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Re: Slice and Dicers -- Plans when you can't manage it anymo

I login to my Fidelity account and click on the Analysis tab to run their GPS tool which is essentially the Morningstar Portfolio X-ray tool. Wow, this is a great idea! I never thought about doing it this way. I'm definitely go to dig into this approach and see if I can get it to work for me. :beer
by Postmon
Wed Jul 23, 2014 8:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Slice and Dicers -- Plans when you can't manage it anymore?
Replies: 38
Views: 2309

Re: Slice and Dicers -- Plans when you can't manage it anymo

…. Whenever I go into my spreadsheet to rebalance, I even have to take a few minutes to re-familiarize myself with it. …. There's the problem right there. My slice-and-dice portfolio is so simple that I would never use a spreadsheet for my portfolio. Perhaps that's the model of simplicity to hold u...
by Postmon
Tue Jul 22, 2014 11:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Slice and Dicers -- Plans when you can't manage it anymore?
Replies: 38
Views: 2309

Re: Slice and Dicers -- Plans when you can't manage it anymo

I have to disagree with those who say the number of funds doesn't matter. In theory it doesn't but when you have numerous accounts, both taxable and tax-deferred, it adds complexity to the process. To some it may not matter but to others it does. Whenever I go into my spreadsheet to rebalance, I eve...
by Postmon
Tue Jul 22, 2014 10:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Slice and Dicers -- Plans when you can't manage it anymore?
Replies: 38
Views: 2309

Re: Slice and Dicers -- Plans when you can't manage it anymo

I'm the first to admit that my wife has more brains than me when it comes to everything.....except for money, imho! :wink: For whatever reason, it's just not a priority -- never been, never will. I went S&D with the belief that there may be something there compared to a 3-Fund. But, I realize no...
by Postmon
Tue Jul 22, 2014 2:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Slice and Dicers -- Plans when you can't manage it anymore?
Replies: 38
Views: 2309

Slice and Dicers -- Plans when you can't manage it anymore?

I have a "typical" S&D portfolio that I rebalance regularly. I'm in my early 50's in good health, with wife and young kids. When I set it up I was thinking about a 3-Fund for simplicity but went the S&D route. I planned to get my wife involved but realistically it's never going to ...
by Postmon
Tue Jul 22, 2014 1:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Slice and Dicers -- Plans when you can't manage it anymore?
Replies: 38
Views: 2309

Re: How to Invest Kids' Inheritance

If your real question is should the investments be allocated differently than they are, I would ask what would cause this question to come up? You have an allocation that you think is appropriate already, and the only reason to change it seems to be that you think the kids should not be handed a &q...
by Postmon
Sun May 04, 2014 12:28 am
 
Forum: Investing - Help with Personal Investments
Topic: How to Invest Kids' Inheritance
Replies: 9
Views: 1050

Re: How to Invest Kids' Inheritance

OP, Are these funds still held in trust? You refer to them as "trust investments", but elsewhere you say that they are now in your kids' names. Oops, I should have been more clear. Yes, they're still held in trust but now for the benefit of (FBO) each kid. My understanding is that trust t...
by Postmon
Sat May 03, 2014 2:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to Invest Kids' Inheritance
Replies: 9
Views: 1050

How to Invest Kids' Inheritance

My kids (tween-aged) each received a low six-figure inheritance consisting of three trust accounts: Taxable (35%) Traditional IRA (55%) Roth IRA (10%) Additionally, they each have 529's with enough in them so no need to worry about college. I haven't done anything with the trust investments yet. The...
by Postmon
Sat May 03, 2014 12:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to Invest Kids' Inheritance
Replies: 9
Views: 1050

Re: Where to put $10-15K for 2-5 years?

We answered the question. If you may need the money in the next few years, don't invest it. Leave it in the bank.
by Postmon
Sat Mar 29, 2014 11:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where to put $10-15K for 2-5 years?
Replies: 25
Views: 2471

Re: Where to put $10-15K for 2-5 years?

I don't know if you have any other assets or debts. If this is for emergencies, school or a house, I would just leave it in the savings account. Maybe a short-term bond fund, but nothing longer than that.
by Postmon
Sat Mar 29, 2014 10:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where to put $10-15K for 2-5 years?
Replies: 25
Views: 2471

Re: Where to put $10-15K for 2-5 years?

I'm confused. Is the $10 - 15K already in your IRA? Do you have any other assets?
by Postmon
Sat Mar 29, 2014 9:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where to put $10-15K for 2-5 years?
Replies: 25
Views: 2471

Re: Buying Tires at Costco

I usually order online from Tire Rack and have them shipped directly to my local mechanic. He balances/installs for $100. Total price usually works out to be about the same as Costco. Advantages of Tire Rack: huge selection compared to only a few choices at Costco, confidence of having my local mech...
by Postmon
Sun Feb 02, 2014 12:15 pm
 
Forum: Personal Consumer Issues
Topic: Buying Tires at Costco
Replies: 38
Views: 8286

Re: TIPS Duration? Big Variance-Vanguard VIPSX vs Fidelity F

I'm guessing that big drop at the end of December was a distribution. The charts look the same from January on.
by Postmon
Wed Mar 20, 2013 12:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIPS Duration? Big Variance-Vanguard VIPSX vs Fidelity FSIYX
Replies: 5
Views: 940

Re: Anyone Choosing to Retire in Maryland?

I believe Maryland has a 16% Estate Tax on estates over $1 million. :shock:
by Postmon
Mon Mar 11, 2013 1:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone Choosing to Retire in Maryland?
Replies: 76
Views: 5022

Re: Implementing Two-Factor Authentication for Fidelity Acco

I just called and transferred from the dongle to the soft token. Took about a minute! :sharebeer
by Postmon
Wed Feb 27, 2013 12:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Implementing Two-Factor Authentication for Fidelity Accounts
Replies: 48
Views: 11349

Re: When you can't manage your S&D portfolio anymore?

Let's say you have an existing S&D portfolio with significant capital gains. If you want to maintain your existing portfolio to avoid cap gains tax and just have them do re-balancing and provide general guidance/advice, is that something a firm would do? I would think they would want to take con...
by Postmon
Sat Feb 23, 2013 1:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: When you can't manage your S&D portfolio anymore?
Replies: 25
Views: 1481

Re: Implementing Two-Factor Authentication for Fidelity Acco

I've been using the dongle for years and have been happy with it. The only thing is the security code is not integrated with their mobile site or when you call in. When you're on the page where you enter your security code, here's what you get if you click on the link for more info: FAQ for VeriSign...
by Postmon
Sat Feb 23, 2013 12:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Implementing Two-Factor Authentication for Fidelity Accounts
Replies: 48
Views: 11349

Re: What are the best insurance companies?

I've been with AMICA for 30 years and can't say enough good things about them. They do not use agents/brokers so you need to contact them directly. They'll work with you to figure out what makes sense and there's no sales pressure at all. They may not be the cheapest (sometimes they are), but their ...
by Postmon
Fri Feb 22, 2013 10:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: What are the best insurance companies?
Replies: 16
Views: 1197

Re: Post your Morningstar X-Ray Style Box

Domestic
15-20-18
5-7-5
13-14-4

Int'l
36-30-19
6-3-3
1-0-1

Total
21-23-18
5-6-4
9-10-3
by Postmon
Fri Feb 22, 2013 3:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Post your Morningstar X-Ray Style Box
Replies: 71
Views: 3355

Re: When you can't manage your S&D portfolio anymore?

I agree that the principles of managing our S&D portfolio (7 ETFs and 4 MFs) are the same as a 3-Funder. But for execution, I disagree. There is a difference for someone who doesn't work with spreadsheets, is not mathematically inclined, nor is experienced in placing ETF orders. For some, every ...
by Postmon
Fri Feb 22, 2013 1:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: When you can't manage your S&D portfolio anymore?
Replies: 25
Views: 1481

Re: Feel like I somehow cursed the market

My portfolio is already down about $6,000 in two days - I don't even want to check my numbers anymore I can relate. When I bought my first mutual fund I used to call the toll free number each day (no web back then), punch in my account number and see how it was doing. Each day I was either really h...
by Postmon
Fri Feb 22, 2013 11:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Feel like I somehow cursed the market
Replies: 48
Views: 2792

Re: When you can't manage your S&D portfolio anymore?

If you did any selling around 2008 you ma have enough in carry-over cap losses to cover any cap gains for a switch in the taxable account. That's a good thought but I just converted my entire portfolio from active to passive at the end of the year so I'm essentially starting from scratch. It's comp...
by Postmon
Fri Feb 22, 2013 11:03 am
 
Forum: Investing - Help with Personal Investments
Topic: When you can't manage your S&D portfolio anymore?
Replies: 25
Views: 1481

Re: When you can't manage your S&D portfolio anymore?

Doc wrote:
1) Worry a lot.

2) Put Larry Swedroe's phone number in with my important docs list.

TANSTAAFL


I guess I should include my bogleheads username and password with my important docs :wink:
by Postmon
Thu Feb 21, 2013 9:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: When you can't manage your S&D portfolio anymore?
Replies: 25
Views: 1481

Re: Newbie's complex questions for experienced Bogleheads

My goal is to retire by age 50 (the earliest) to age 55, (the absolute latest) then live off the interest from my investments (plus a partial pension from my job and, hopefully, Social Security, both of which would kick in at age 62). I earn about $70,000 a year. Recently, I started maxing out my 4...
by Postmon
Thu Feb 21, 2013 9:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie's complex questions for experienced Bogleheads
Replies: 35
Views: 2464

When you can't manage your S&D portfolio anymore?

What are your plans when you can no longer manage your portfolio? I'd like to include a specific plan in my IPS and am wondering how others address this issue. I'm 50 y/o with a 60/40 slice and dice portfolio consisting of 7 ETFs and 4 mutual funds all at Fidelity. I have a spreadsheet where I enter...
by Postmon
Thu Feb 21, 2013 11:17 am
 
Forum: Investing - Help with Personal Investments
Topic: When you can't manage your S&D portfolio anymore?
Replies: 25
Views: 1481

Re: Not what to invest in, but WHERE to invest in ?

Can't you use FullView or whatever Fidelity calls it and have all your accounts (including all your Fidelity accounts) together? Haven't tried FullView yet but I just took a look at it and looks like it should do the trick and more. Yet another very nice tool from Fidelity! Thanks for the suggestion!
by Postmon
Sun Feb 17, 2013 5:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Not what to invest in, but WHERE to invest in ?
Replies: 21
Views: 1748

Re: Not what to invest in, but WHERE to invest in ?

My current 401K is in and must be in Fidelity. However, I have the option of converting this into a "brokerage" account Is this an active NetBenefits account? If so, are you sure you can convert it over to a brokerage account? One of the frustrations I have with NetBenefits is that it can...
by Postmon
Sun Feb 17, 2013 1:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Not what to invest in, but WHERE to invest in ?
Replies: 21
Views: 1748

Re: Short Term Corporate Bond Risk: CSJ vs. VCSH

Thanks Valuethinker. Your responses are very insightful and I learned a lot. They're going to help me very much in making my decision. Thanks again!
by Postmon
Thu Feb 14, 2013 10:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Short Term Corporate Bond Risk: CSJ vs. VCSH
Replies: 6
Views: 1067

Re: TIPS Duration? Big Variance-Vanguard VIPSX vs Fidelity F

Thanks Cruncher. That clears it up. I'm surprised Fidelity doesn't use the real rates for duration. Perhaps it's an oversight as this is a relatively new fund but it is misleading.
by Postmon
Thu Feb 14, 2013 10:05 am
 
Forum: Investing - Help with Personal Investments
Topic: TIPS Duration? Big Variance-Vanguard VIPSX vs Fidelity FSIYX
Replies: 5
Views: 940

Re: New Member: Portfolio Comments/Suggestions

What's your reasoning for each of those funds? Seems like you just have a mish mosh of equity. Do you have an investment plan? Do those funds fit into your plan? If you want to keep it simple, I'd look at the tax consequences and then try to consolidate your equity to VTI and VXUS. I don't know how ...
by Postmon
Wed Feb 13, 2013 3:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Member: Portfolio Comments/Suggestions
Replies: 6
Views: 779

Re: Sienna 2013 AWD. MSRP $33,700.

Our's is an older FWD model. The reason I didn't go with the AWD is that there was no spare tire and they used run flat tires. Not sure if that's still the case. If so, run flats were very expensive at the time and didn't last very long. Also, I was very uncomfortable relying on those tires if I got...
by Postmon
Wed Feb 13, 2013 11:53 am
 
Forum: Personal Consumer Issues
Topic: Sienna 2013 AWD. MSRP $33,700.
Replies: 22
Views: 2702

TIPS Duration? Big Variance-Vanguard VIPSX vs Fidelity FSIYX

I assumed the Fidelity and Vanguard TIPS funds were very similar: Fidelity's Spartan TIPS fund FSIYX: 33 bonds, weighted average maturity of 9 years, duration of 5.48 years . Vanguard's TIPS fund VIPSX: 32 bonds, weighted average maturity of 9.4 years, duration of 9 years . When comparing their char...
by Postmon
Wed Feb 13, 2013 11:18 am
 
Forum: Investing - Help with Personal Investments
Topic: TIPS Duration? Big Variance-Vanguard VIPSX vs Fidelity FSIYX
Replies: 5
Views: 940

Re: Short Term Corporate Bond Risk: CSJ vs. VCSH

The problem is most corporate bonds don't trade much-- illiquid. But is this a problem with CSJ and VCSH? CSJ: assets: $9.7 Billion, avg vol 660K shares/day or approx $660 million/day VCSH: assets: $5 billion, avg vol 500K shares/day or approx $400 million/day I'd prefer a mutual fund as well havin...
by Postmon
Wed Feb 13, 2013 10:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Short Term Corporate Bond Risk: CSJ vs. VCSH
Replies: 6
Views: 1067

Short Term Corporate Bond Risk: CSJ vs. VCSH

I'm 60/40 equities/FI and looking for a conservative short-term investment grade bond fund to complete my bond allocation. I fall in the camp of taking risks on the equity side but want some diversification within FI. I initially thought about the Vanguard Short Term Index (BSV) but want a bit more ...
by Postmon
Tue Feb 12, 2013 12:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Short Term Corporate Bond Risk: CSJ vs. VCSH
Replies: 6
Views: 1067

Re: Car purchase. Need to consider seat height.

Frugal Al wrote: That Sienna seat system looks interesting.

I happened to see it at this year's Auto Show and it's very impressive!
by Postmon
Wed Feb 06, 2013 10:29 am
 
Forum: Personal Consumer Issues
Topic: Car purchase. Need to consider seat height.
Replies: 18
Views: 2982

Re: Car purchase. Need to consider seat height.

The 2013 Toyota Sienna offers an auto access seat: http://www.youtube.com/watch?v=rMmrIQidXQQ
by Postmon
Wed Feb 06, 2013 9:53 am
 
Forum: Personal Consumer Issues
Topic: Car purchase. Need to consider seat height.
Replies: 18
Views: 2982

Re: The High Cost Of Index Funds (for me)

gwrvmd wrote:you have no capital gains except for the current year that you haven't paid taxes for. Currently your only capital gains are from Jan 1 2013 to today

He'd still need to pay long term cap gains tax on the difference between his sell price and his cost basis.
by Postmon
Fri Feb 01, 2013 11:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: The High Cost Of Index Funds (for me)
Replies: 20
Views: 2531

Re: The High Cost Of Index Funds (for me)

I was in a similar situation and converted everything over to index funds. I debated for about a year and then finally bit the bullet. I compared the cap gains tax of the active portfolio to the future savings in annual expenses. The break-even point was within a few years so it was worth it for me.
by Postmon
Fri Feb 01, 2013 11:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: The High Cost Of Index Funds (for me)
Replies: 20
Views: 2531

Re: 50 yrs old couple -please advise on my investment

37.3% company stock 15.6% company stock (GDI) You have over 50% in two individual company stocks. This is way too risky! What would happen if something unforeseen happened at his present employer? Is it possible your husband could lose his job and the stock loses it's value? Too many eggs in one ba...
by Postmon
Wed Jan 23, 2013 8:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: 50 yrs old couple -please advise on my investment
Replies: 40
Views: 3536

Re: Is Amazon Prime worth $75 a year ?

When it says 'four household members' does that mean that they have to share the same shipping address? My orders get shipped to my house, not to my daughter's. You have our own account, you use your own credit card, items get shipped to your address, etc. The only thing shared is the free 2 day sh...
by Postmon
Wed Jan 16, 2013 8:24 pm
 
Forum: Personal Consumer Issues
Topic: Is Amazon Prime worth $75 a year ?
Replies: 54
Views: 3508

Re: Doing your taxes yourself vs. w/ a CPA: a test run

I used to do my taxes myself but I found that having my CPA's signature at the bottom of the tax forms helps me sleep better at night. Why? You know your signature is there too, and that you are responsible for everything in the return, right? As I got older and life got more complicated, I just de...
by Postmon
Sun Jan 06, 2013 6:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Doing your taxes yourself vs. w/ a CPA: a test run
Replies: 42
Views: 4830

Re: Doing your taxes yourself vs. w/ a CPA: a test run

I used to do my taxes myself but I found that having my CPA's signature at the bottom of the tax forms helps me sleep better at night.
by Postmon
Sun Jan 06, 2013 11:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Doing your taxes yourself vs. w/ a CPA: a test run
Replies: 42
Views: 4830

Re: minivan thing

We've had a Sienna for years with young kids and you can't beat it. Although the vans are the most family friendly vehicles by far, I'm ready for a change. For me, the only SUV that come close is the Ford Expedition (expensive and poor gas mileage) and maybe the Honda Pilot. But, every time I think ...
by Postmon
Sat Jan 05, 2013 3:54 pm
 
Forum: Personal Consumer Issues
Topic: minivan thing
Replies: 84
Views: 4824

Re: Fidelity Short Term Trading Rules

Some funds have short-term trading fees. You need to check each fund individually. However, Fidelity does have limits on the number of "roundtrip" transactions on all their funds: http://personal.fidelity.com/products/trading/Trading_Platforms_Tools/excessive_trading_policies.shtml I recen...
by Postmon
Sat Jan 05, 2013 3:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Short Term Trading Rules
Replies: 7
Views: 531

Re: VWO vs. IEMG for Emerging Markets in new S&D Portfolio?

Thanks for the input. Is this a taxable or a tax-deferred account? It's for a taxable account. Originally I wanted to split my EM slice between VWO and EEMS. But since it's only 6% of my portfolio, I decided it's probably not worth splitting it between the two funds. Now with IEMG available it seems...
by Postmon
Thu Dec 20, 2012 9:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: VWO vs. IEMG for Emerging Markets in new S&D Portfolio?
Replies: 7
Views: 1124

VWO vs. IEMG for Emerging Markets in new S&D Portfolio?

I'm about to convert from an active to passive portfolio (60/40). My plan for international allocation was: 6% Int'l Value (EFV) , 6% Int'l Small (VSS) and 6% Emerging Mkts (VWO). However, I just saw the new Emerging Markets ETF from iShares, IEMG (iShares Core MSCI Emerging Markets er 0.18). It fol...
by Postmon
Thu Dec 20, 2012 10:19 am
 
Forum: Investing - Help with Personal Investments
Topic: VWO vs. IEMG for Emerging Markets in new S&D Portfolio?
Replies: 7
Views: 1124

Fidelity Spartan TIPS (FSIYX) and REIT (FRXIX) vs. TIP VNQ

I'm with Fidelity and in process of converting over to a passive 60/40 S&D portfolio (24% VV, 12% IJS, 6% REIT, 6% EFV, 6% VSS, 6%, VWO, 32% Interm Bonds, 8% TIPS). For TIPS and REIT, I had planned on using these ETFs: TIP (er: 0.20) and VNQ (er: 0.10). However, I just noticed Fidelity's TIPS Sp...
by Postmon
Tue Dec 18, 2012 6:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Spartan TIPS (FSIYX) and REIT (FRXIX) vs. TIP VNQ
Replies: 3
Views: 745

Re: ROTH Conversion and/or add'l TIRA withdrawal? (Large Est

Thanks for all the input. I've been trying to run some numbers but I keep going back to the drawing board. There are just so many unknowns, especially the federal estate tax. If she were to do a Roth Conversion she would save the estate tax on the income tax she pays on the conversion. Then she woul...
by Postmon
Sat Dec 15, 2012 12:49 am
 
Forum: Investing - Help with Personal Investments
Topic: ROTH Conversion and/or add'l TIRA withdrawal? (Large Estate)
Replies: 10
Views: 700

ROTH Conversion and/or add'l TIRA withdrawal? (Large Estate)

My 80 year-old mother-in-law (widow) who's in good health lives in a retirement community. Her social security covers all her expenses. She has a large estate that she's hoping to save for her heirs: Cash: $0.2M Revocable Trust: 0.1M Traditional IRA: 2.6M Irrevocable Trust: 1.1M total: 4.0M She does...
by Postmon
Thu Dec 13, 2012 4:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: ROTH Conversion and/or add'l TIRA withdrawal? (Large Estate)
Replies: 10
Views: 700

Re: Portfolio Review

She does want to keep a substantial portion in her employer’s stock, reluctant to name in a public forum but it is a retailer in the S&P 500. In addition to the owned shares in this portfolio we have another 80,000 options and grants set to vest over the next 4 years with strike prices ranging ...
by Postmon
Thu Nov 29, 2012 9:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 5
Views: 594
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