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Re: Transamerica 401k

This depends on the details of your specific plan.

You should ask HR/benefits at your employer for your Department of Labor-mandated Fee Disclosure document, which should list all account and fund fees that can be charged in your plan.
by TheDoctor
Tue Feb 25, 2014 2:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Transamerica 401k
Replies: 2
Views: 303

Re: Bonds in Taxable??

The link in your post is truncated, here's the full link.
by TheDoctor
Thu Feb 13, 2014 4:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bonds in Taxable??
Replies: 8
Views: 832

Re: Help with 401k Funds

Can you include the expense ratios for each of those funds?
by TheDoctor
Tue Dec 17, 2013 5:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with 401k Funds
Replies: 7
Views: 641

Re: 401k questions to ask advisor/employer

krayzbone227 wrote:Also, does our plan utilize Revenue Sharing and if so, what are the Revenue Sharing amounts built into the Expense Ratios of the plan's investment options?


Wouldn't revenue sharing money generally be taken from 12b-1 fees (which are included in any given fund's expense ratio)?
by TheDoctor
Wed Dec 11, 2013 4:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k questions to ask advisor/employer
Replies: 17
Views: 1108

Re: Credit Report Question

I'm not a lawyer nor an expert with the Fair Credit Reporting Act, but if you've disputed the incorrect information on your report and Equifax refuses to remove it, it seems like they're in violation of the law. I also think the law provides for statutory damages for credit reporting agencies in vio...
by TheDoctor
Mon Oct 14, 2013 6:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Report Question
Replies: 11
Views: 1067

Re: Active vs. Passive reading for new investors

Thanks for the links, those look useful.

I should also mention I plan to cite the Standard and Poor's Index vs. Active (SPIVA) reports, which have consistently shown indexing beats active management over longer time periods.
by TheDoctor
Thu Sep 26, 2013 1:01 am
 
Forum: Investing - Theory, News & General
Topic: Active vs. Passive reading for new investors
Replies: 5
Views: 475

Active vs. Passive reading for new investors

I'm putting together an intro to investment/retirement basics presentation for some of my friends and colleagues, and as part of that I'd like to include some information on indexing and why it's preferred over active management. I'm trying to cite good sources for all of the information I provide. ...
by TheDoctor
Thu Sep 26, 2013 12:08 am
 
Forum: Investing - Theory, News & General
Topic: Active vs. Passive reading for new investors
Replies: 5
Views: 475

Mutual fund historical returns with periodic investment

Morningstar's mutual fund chart tool is great to see how money invested in a fund would have grown over time, but there's no option to see how regular periodic additional investment would change returns. Is there a tool that allows one to compare the historical returns of two funds, assuming a fixed...
by TheDoctor
Wed Jul 31, 2013 1:22 pm
 
Forum: Investing - Theory, News & General
Topic: Mutual fund historical returns with periodic investment
Replies: 3
Views: 474

Re: Early retirement and planning for medical costs

Wow, lots of responses and useful information. Thanks to everyone who's responded so far! Probably obvious - but getting/staying healthy should be a priority which keeps costs down and retirement fun up, so listen to the doc when he tells you to exercise 4 times/week or more and get that BMI under c...
by TheDoctor
Mon Mar 25, 2013 12:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Early retirement and planning for medical costs
Replies: 19
Views: 2847

Early retirement and planning for medical costs

For anyone who's planning on retiring before age 65, how do you plan for health insurance / medical expenses prior to becoming eligible for Medicare? I'm aiming for early retirement and am investing with a goal of becoming financially independent, but I'm not sure how to plan for the loss of employe...
by TheDoctor
Fri Mar 22, 2013 6:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Early retirement and planning for medical costs
Replies: 19
Views: 2847

Re: Looking for some 401k roll over advice

Why not roll over to a Traditional IRA instead of a Roth IRA? Doing that is not a taxable event, and you can still convert some or all of a Traditional IRA to a Roth later.
by TheDoctor
Fri Mar 22, 2013 11:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Looking for some 401k roll over advice
Replies: 3
Views: 199

Re: Selling fractional ETF shares

Using specific ID, you should be able to get rid of the tiny lots. E.g. you want to get rid of the first three tiny lots Lot 1 : 3.123sh Lot 2 : 2.451sh Lot 3 : 4.234sh Lot 4 : 500sh The first three lots sum up to 9.808sh. So submit a sale of 10 shares, choosing all the shares from lots 1, 2 and 3 ...
by TheDoctor
Tue Mar 19, 2013 12:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Selling fractional ETF shares
Replies: 16
Views: 1315

Re: Selling fractional ETF shares

How big a problem is it to let the dividends accumulate as cash and then reinvest them along with new money as you go along? With typical payouts in the 2% range, you're only talking about $200 over a year on a $10k account. If the concern is rebalancing, can't you mostly get that done with new mon...
by TheDoctor
Mon Mar 18, 2013 7:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Selling fractional ETF shares
Replies: 16
Views: 1315

Re: Selling fractional ETF shares

livesoft wrote:Call your broker and ask them. Then please tell us what they said and who your broker is. Thanks!


Oops, sorry. I'm using Vanguard Brokerage Services.
by TheDoctor
Mon Mar 18, 2013 6:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Selling fractional ETF shares
Replies: 16
Views: 1315

Selling fractional ETF shares

I've always used mutual funds in my Vanguard IRA accounts, but I have ETFs in my taxable brokerage account as I liked the lower expense ratio without having to have a $10,000 minimum in each fund. Now I'm at the point where I want to sell one ETF to buy another, but I only want to sell some at a tim...
by TheDoctor
Mon Mar 18, 2013 6:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Selling fractional ETF shares
Replies: 16
Views: 1315

Re: 401(k) bond fund: PIMCO Total or Real return funds?

If you're going to be switching fund providers in a couple months I wouldn't spend much time worrying about it. Differences in returns only become significant when compounded over several years. If one of the funds returns 4% in the next few months and the other returns 2% before you switch into yo...
by TheDoctor
Thu Feb 14, 2013 8:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401(k) bond fund: PIMCO Total or Real return funds?
Replies: 4
Views: 678

401(k) bond fund: PIMCO Total or Real return funds?

My entire current 401(k) balance is currently invested in bonds, compensated by my other investment accounts holding equities. I've got a good asset allocation that I'm happy with. The only two bond funds available in my 401(k) plan that aren't (even more) outrageously expensive are PIMCO Total Retu...
by TheDoctor
Thu Feb 14, 2013 8:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401(k) bond fund: PIMCO Total or Real return funds?
Replies: 4
Views: 678

Re: 401(k): Roth or Traditional?

Welcome to the forum! I think most folks here would suggest that you use traditional 401k, not Roth 401k. Unless you have a pension coming. The best approach is probably filling up a traditional 401k and a Roth IRA if you are saving that much. Wiki article link: Traditional versus Roth Hmm. Accordi...
by TheDoctor
Sun Jan 06, 2013 11:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401(k): Roth or Traditional?
Replies: 8
Views: 1311

401(k): Roth or Traditional?

My employer's 401(k) allows both Roth and traditional contributions. I'm currently using the traditional 401(k) option, maxing it out. [details removed] My question is: Does it make sense for me to make some/all of my 401(k) contributions using the Roth option? I have no idea how to estimate my taxe...
by TheDoctor
Sun Jan 06, 2013 8:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401(k): Roth or Traditional?
Replies: 8
Views: 1311

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