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Re: Pension buyout help

OP, it is great that your parents are asking you questions and that you are trying to help. That said, I strongly recommend that you refer them to this site or possibly a fee only planner. Without realizing it, you have given them a completely incorrect explanation about rollovers to IRAs which mig...
by ckates7
Tue Oct 14, 2014 1:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Pension buyout help
Replies: 6
Views: 239

Re: Pension buyout help

There are people here who can give you a good quantitative analysis and I'm not one of them. But I'm hopping in and responding right now as I can tell you for sure - the people you want to be hearing from here will be asking for more information - including the numbers/details of the pension offers...
by ckates7
Tue Oct 14, 2014 1:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Pension buyout help
Replies: 6
Views: 239

Pension buyout help

I've got a question for you guys that my parents have asked my opinion on. Both of my parents are about 60 years old, and just got offered pension buyouts from their respective employers. So their options are that they can take a lump sum out ($$,$$$) each and reinvest it on their own, or keep it in...
by ckates7
Tue Oct 14, 2014 1:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Pension buyout help
Replies: 6
Views: 239

Difference in Vanguard Dividend funds

So I'm looking at adding a Dividend fund to my portfolio that I'm just starting out, and am having some difficulty understanding the difference between them. It seems like they all have the same top 10 holdings in their respective portfolios to a degree, but some outperform others. Is there any way ...
by ckates7
Mon Jul 29, 2013 2:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Difference in Vanguard Dividend funds
Replies: 3
Views: 673

Am I understanding correctly?

If you plan to start a Roth IRA at the very beginning, most funds need an initial $3000 to invest in with Vanguard. However, with the Roth being limited to $5,500 per year, then there's really no way to start out with a 3 fund portfolio, and the really only options are Target Date Funds to get the A...
by ckates7
Thu Jul 25, 2013 10:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Am I understanding correctly?
Replies: 8
Views: 646

Re: Never time the market, i know...

I have experienced the same thoughts/feelings many times. At one point many years ago, I had a sum of money to invest for one of my children; I watched the market climb for a couple of years before jumping in. I then realized that I couldn't time the market and jumped in with a managed mutual fund ...
by ckates7
Sat Jul 13, 2013 7:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Never time the market, i know...
Replies: 48
Views: 5257

Re: Never time the market, i know...

Pingo, my apologies. I probably should have kept it in one thread. The costs i came up with were looking at Vanguard's commission schedule for their brokerage services. Again, I was under the impression that buying into a fund for an IRA each month was using their services. Again, that is my fault.
by ckates7
Sat Jul 13, 2013 5:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Never time the market, i know...
Replies: 48
Views: 5257

Re: Never time the market, i know...

You guys have been awesome with the help. I'm 28 right now, and wanting to contribute each year until I retire, so I won't be dumping it in all at once to a Roth IRA. Seems to be the consensus that as long as i have good allocation it shouldnt matter when I start, correct? Another thing then is woul...
by ckates7
Sat Jul 13, 2013 10:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Never time the market, i know...
Replies: 48
Views: 5257

Re: Never time the market, i know...

@livesoft, so when funds like precious metals and emerging markets are down, those are the ones you most likely want to start in? Do yourself a favor and chart what happened to Total US Stock Market index since June 25th. What has the gain been since then? Please overlay large-cap emerging markets ...
by ckates7
Fri Jul 12, 2013 11:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Never time the market, i know...
Replies: 48
Views: 5257

Re: Never time the market, i know...

@livesoft, so when funds like precious metals and emerging markets are down, those are the ones you most likely want to start in?

@peterfoley, i'm so new to this that i have no idea what that even means LOL!
by ckates7
Fri Jul 12, 2013 10:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Never time the market, i know...
Replies: 48
Views: 5257

Never time the market, i know...

So I'm looking to jump into the market with IRA's, and maybe a few stocks (maybe). I understand the Boglehead idea of never timing the market, and to invest early and often. However, everything I read is saying not to START investing when the market is at it's peak. I'm just confused on what makes t...
by ckates7
Fri Jul 12, 2013 10:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Never time the market, i know...
Replies: 48
Views: 5257

Re: Newbie to investing

So is that about an average asset allocation for my age?
by ckates7
Fri Jul 05, 2013 9:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Newbie to investing
Replies: 7
Views: 486

Re: Newbie to investing

There are actually 3 international options.

International Index Fund ( .092 expense)
Internation Equity Fund ( .56 expense)
Emerging Markets Fund ( .89 expense)
by ckates7
Wed Jul 03, 2013 7:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie to investing
Replies: 7
Views: 486

Re: Newbie to investing

thanks for the response. I'm in the 25% tax bracket, and i've only had the 401k for a little over a year, so i havent been effected by a major downturn yet
by ckates7
Wed Jul 03, 2013 6:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie to investing
Replies: 7
Views: 486

Newbie to investing

Hi guys, Newbie here to investing. I'm 28, and unfortunately just starting to invest for my wife and my son. :oops: But, now is better than later i suppose. Anyways, I've been doing some research for the past month or so, and looking for some help on some funds to look into. I have the template fill...
by ckates7
Wed Jul 03, 2013 5:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie to investing
Replies: 7
Views: 486

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