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Re: Schwab Making It Difficult to Switch to Vanguard

Schwab is a reputable company and wouldn't be maliciously blocking your access to prevent your intended transfer. Transfer of assets are done by the receiving firm anyway, so start it on Vanguards end. Do you use any site like Mint? If you are using a site that aggregates some websites, it could hav...
by brown3218
Mon Jan 20, 2014 10:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Schwab Making It Difficult to Switch to Vanguard
Replies: 23
Views: 2701

Re: Save me from myself. 100% equity position.

Thanks for the comments. I'm sticking with 100% equity for now, with a plan on gradually introducing bonds no later than age 40. I have also decided to do:
45% Spartan S&P 500
30% Spartan Extended Market
25% Spartan International Index
by brown3218
Thu Dec 19, 2013 1:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Save me from myself. 100% equity position.
Replies: 62
Views: 4682

Re: Save me from myself. 100% equity position.

baw703916 wrote:brown3218,

Is this a retirement account? If so, what are the other funds you have available?

Brad


Yes it is. It has hundreds of funds. All Fidelity funds.
by brown3218
Thu Dec 19, 2013 12:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Save me from myself. 100% equity position.
Replies: 62
Views: 4682

Re: Save me from myself. 100% equity position.

Bonds are suggested because they are ... necessary for proper diversification "proper diversification"... sheesh, what the heck does that mean and why should a new Boglehead give a hoot about being "proper"? *all* that matters in investing is reasonable expectation (based mainly...
by brown3218
Wed Dec 18, 2013 11:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Save me from myself. 100% equity position.
Replies: 62
Views: 4682

Re: Save me from myself. 100% equity position.

I have a high risk tolerance and would like to invest 100% in equities. Am I dumb? No, I don't think you are dumb. I wonder how you would have reacted in 2008 if you had a 6 figure portfolio then? Here is the Morningstar chart on that fund: http://quotes.morningstar.com/fund/fsevx/f?t=FSEVX It lost...
by brown3218
Wed Dec 18, 2013 11:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Save me from myself. 100% equity position.
Replies: 62
Views: 4682

Save me from myself. 100% equity position.

*edit- Thanks for the comments. I'm sticking with 100% equity for now, with a plan on gradually introducing bonds no later than age 40. I have also decided to do: 45% Spartan S&P 500 30% Spartan Extended Market 25% Spartan International Index I'd like to hear why my way of thinking is wrong. I'm...
by brown3218
Wed Dec 18, 2013 10:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Save me from myself. 100% equity position.
Replies: 62
Views: 4682

Contribute to Roth after filing taxes

I've already filed my taxes and received my tax return for 2012. I understand you can still contribute to your IRA until the April 15th deadline. I've searched the forums and I keep seeing that its ok to make the contribution. I'm confused though because I thought that contribution are reported to t...
by brown3218
Fri Feb 15, 2013 8:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Contribute to Roth after filing taxes
Replies: 3
Views: 589

Re: Building Emergency Fund within Roth IRA

livesoft wrote:Switch brokerage firms today. LIfe is too short to waste money in a substandard brokerage firm.


Can't do that in my case.
by brown3218
Fri Feb 15, 2013 11:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Building Emergency Fund within Roth IRA
Replies: 16
Views: 1367

Re: Building Emergency Fund within Roth IRA

Just a question on VCSH. At my brokerage firm it would cost me $8 per transaction for this ETF. It looks like this fund has an average duration of 3 years. I pulled up another short term corportate bond fund that also has a duration of three years: THOPX. 5 star rated. http://finance.yahoo.com/q/pm?...
by brown3218
Fri Feb 15, 2013 11:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Building Emergency Fund within Roth IRA
Replies: 16
Views: 1367

Re: Building Emergency Fund within Roth IRA

I don't see how your situation varies much at all from the wiki. I'm a big fan of "holding" Roth space in this way, and I think your plan sounds great. I just scanned the wiki but it looked like this was talking about how to transition an emergency fund from taxable to Roth, whereas in my...
by brown3218
Fri Feb 15, 2013 10:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Building Emergency Fund within Roth IRA
Replies: 16
Views: 1367

Building Emergency Fund within Roth IRA

I've read this wiki link about one way to use your Roth as an emergency fund. http://www.bogleheads.org/wiki/Roth_IRA_as_an_emergency_fund My situation is a little different then the one described in the wiki link above. I'm married, no kids, my wife and I are both 25. I am currently saving up to th...
by brown3218
Fri Feb 15, 2013 9:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Building Emergency Fund within Roth IRA
Replies: 16
Views: 1367

Re: Refinancing Home Loans

Anyone?
by brown3218
Sun Dec 30, 2012 7:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refinancing Home Loans
Replies: 2
Views: 387

Refinancing Home Loans

I bought a condo a year ago. We did 100% financing using an FHA loan and a Utah State Housing loan, which I realize may have not been ideal. I have 2 30-year loans on my condo: Mortgage: $157,633 - Rate: 3.99% 2nd Loan- $9,415 - Rate: 5.99% Principal and Interest on 1st loan: $765.17 Escrow Payment:...
by brown3218
Sat Dec 29, 2012 3:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refinancing Home Loans
Replies: 2
Views: 387

What is the definition of Roth contributions?

Lets say I contribute $1000 into a Roth IRA, and that $1000 goes down to $100, due to a bad investment. If I then contribute $500 to my Roth and that grows to $1000, am I allowed to withdraw the now $1100 tax free because I technically had $1500 of contributions? Or would this be considered growth a...
by brown3218
Fri Dec 28, 2012 12:22 pm
 
Forum: Investing - Theory, News & General
Topic: What is the definition of Roth contributions?
Replies: 2
Views: 442

Re: Build "three fund" portfolio using ishares

I'm taking that advice of this site and trying to stick with the three asset classes stated above. I need to do this at Fidelity, and I only have around $1500 in this account. I could build a three fund portfolio with mutual funds but it It takes a minimum of $2500 per mutual fund at Fidelity.
by brown3218
Fri Dec 28, 2012 12:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Build "three fund" portfolio using ishares
Replies: 10
Views: 1034

Build "three fund" portfolio using ishares

I am trying to replicate the three fund portfolio using Fidelity's 30 commission free ishares. I realize that the expense ratios are a little higher. I want to mimic these three funds: Vanguard Total Stock Market (VTSMX) Vanguard Total International (VGTSX) Vanguard Total Bond Market (VBMFX) Here ar...
by brown3218
Fri Dec 28, 2012 11:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Build "three fund" portfolio using ishares
Replies: 10
Views: 1034

Use Roth IRA as Emergency Fund

I am using a 401k for my primary retirement savings. I'm currently taking full advantage of my companies match (100% match up to 7%). I currently make $50,000 a year and I am married. I only have a $1500 emergency savings fund, and I know I need to increase this to at least 3 months (about $12,500)....
by brown3218
Fri Dec 28, 2012 1:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Use Roth IRA as Emergency Fund
Replies: 14
Views: 1814

Re: Help picking 401k funds

Do you recommend doing the emerging markets in conjunction with the other international fund? If I want 25% international, what % of emerging should I have?
by brown3218
Wed Dec 26, 2012 10:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Help picking 401k funds
Replies: 8
Views: 775

Help picking 401k funds

First post here I'm trying to see how I can best implement the three-fund portfolio in my companies 401k plan. The three funds suggested by this site are: Vanguard Total Stock Market Index Fund (VTSMX) Vanguard Total International Stock Index Fund (VGTSX) Vanguard Total Bond Market Fund (VBMFX) I in...
by brown3218
Wed Dec 26, 2012 1:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Help picking 401k funds
Replies: 8
Views: 775

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