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my money is already there. they were just trying to sell me this service.

Today Vanguard told me they have personal advisors for $300 for every $100,000. Are these guys going to provide advice far and above worth the fee ? Has anyone used them ?

i got 13 of 15. yay

sorry for the poor format thank you so much, that's what i was thinking too. all the rest are too expensive.

The fees appear to be around 1.2% average which seems high. Unless I'm missing something it looks like this company has poor investment choices match or no match. Part II. Fee and Expense Information The Fees and Expenses table shows fee and expense information for the investment options listed in t...

My new company has the following funds available. I'm wondering if you guys know any well enough to point me to one or two that are low fees and like S&P 500 style or just generally the lower end of risk with index type returns. I don't want to get stuck in high fees of course. I have money alre...

the dollar value changes every month because I keep adding money. Regarding the deli, thanks !

That's easy to answer. If it turns out after over 10 years that I''m not making any money, I'll buy a DELI and make sandwiches instead.

no i dont have these records. Can VG give me electronic copies of every transaction they have received from me ?

can vanguard give me an electronic copy of the last 13 years or so since I started with them ?

I have been with Vanguard for over ten years. Their site only goes back five years on what my returns have been.

How can I get my annualized returns, also called the compound annual growth rate, to measure what my real return is and over the entire timeframe please?

it's retirement money for use in about 10 or 15 years

I called Vanguard and they recommended the Life Strategy fund for a place to put cash. My current allocation is 60% total stock index and 30% total bond index with 10% cash. Is one of the Life Strategy funds a tax efficient way to use cash ?

Thanks

that makes a lot of sense, thanks very much.

I think the VG Extended Market fund comment was a joke yes? It's seems even more risky than the VGSIX. I'm already deep into the total stock market index fund and total bond market index fund. I am looking for something with more risk/reward but nothing crazy. But it is cash so I need to find someth...

Hi, I have fully funded 401k and Roth. I have about $30k cash in my VG money market and would like to put it to work. I was looking at REIT's like the VGSIX fund but was reading that it is not "tax efficient" so maybe not a good idea for cash. I'd like to put it at a little more risk to ge...

Yes he did ask for my help

I have a dear friend who is 90 and wife is around 85. They have pensions for their income and don't need the invesment money. He has recently seen the light after his broker lost $8000 in mining stocks even though he told the broker to only invest in very conservative investments. I'm guessing he ha...

Best feeling ever !

I have lived here the past 20 years but I'm not retired yet. It's too hot 5 months out of the year and when the weather is ice the bugs are aweful. not a fan of Charleston

It's replies like these that keep me coming back here. I may not knock it out of the park with my index funds but I won't be eating crackers because of stupid mistakes. Thanks Bogleheads !!!

those articles discuss the inability to match S&P 500 returns but the annuity doesn't claim that but instead claims a 10% return for the first 7 years and yes you do have to keep it for 14 years. So if you keep it for 14 years is it all that bad ?

I just had an introductory visit from an annuity salesman. He is selling American Equity Index from North American Company. He has 10 and 14 yr annuities where the 14 year offers something like 10% return each year minimum for 7 years, plus 10% bonus on initiation of the contract. My wife is 56 and ...

I do this...


http://www.amazon.com/Parker-86R-Butter ... B0019LSBGO

Are there any sites that show the real rate of inflation for a typical retiree ?

I think that's about the only area where she is not a total flake.

riskonoff wrote:I hate to throw Suze Orman's name out but I heard her once say that she had all of money invested in bonds. She was worth $20 mln and she had no need to take risk.

i read if you are going to use the money within 10 years that converting probably doesn't make sense. right ?

the house is paid off, no debt

Any other options? Buy a sandwich shop?

Regardless of the math behind options other than paying off the mortgage, I have found no better feeling than having it paid off. I will never regret doing it.

nah, this guy is honest believe or not..... amazing !

tfb wrote:P.S. Or maybe he exaggerated because he didn't want to pay the 3% fee.

My AC repair man is over yesterday and he says his bank charges him $30 a month to take credit cards and 6% for each transaction. Is there any better deal he can get ?

Hi, My wife and I are maxed out in our 401k including catchup because we are over 50 and maxed in our roths. What to do with additional funds? I'm 52, wife is 55. I think now time to buy guitars !!! hehe kidding.

So what's the next smart thing to do money wise to save for retirement.

Thank you very much guys !

so if her company has a 401k she cannot contribute to a TIRA ? It would be her husband since he has no job ? Sounds doable.

Yeah i'm asking about the previous year. She has a company 401k and husband in school and has made very minimal contributions to the 401k..

I have a coworker who wants to lower her AGI to get some other tax benefits for this April 15th filiing. Now that it's after January 1st is there any way she can do it? She's under 50 so can't do IRA catchup.

Thanks guys !!

yeah i watch all of these investing shows and the always seem to come back to what I call the investment strategy of the rich.. How do I make a million dollars ? Start with $20 million and buy treasuries. The poor simply can't save enough to get to where the 1% is and need to take on a little bit mo...

It's commons sense to me to want to know how much money I'm making. I use metrics in most everything I do. Money is very important to me and I need to know what real returns I'm actually making as I'm trying to plan a retirement date. My reasons for picking my original 50/50 plan was that it was Jac...

then how do i calculate them. If they can't tell me what my returns are, how can I find out?

I didn't get a chance to call VG last night but will tonight. I was busy having a needle stuck in my finger. Now that really hurts. How do you overlay the graphs like that. Can I do that ? I was thinking of taking my 50/50 total stock and bond to 35% total bond and split the rest over 1/3 each for t...

I'm glad you didn't say Rich Dad Poor Dad. hehe

Sounds like the voice of experience. Is that you Dad ? hehe

Greenie wrote:Take it from someone that lost hundreds of thousand of dollars during the 2008 debacle, save more don't take more risk.

you guys know too much. hehe Is there a Bogleheads conference anywhere that I can attend ?

Thanks. Is Catfish a good fund ?

bottlecap wrote:If you want to get more aggressive, don't hold large cap index funds, go with small cap index funds. If you don't want that kind of risk, then go with large cap index funds. Catfish?

JT

Let me get with VG tonight to see if I can decifer what my actual returns have been so I'm clear. I'm probably looking at the last couple years. The reason is to make enough money to retire. So far my total stock market index and total bond market index have not impressed me at all with a 50/50 mix....

The reason is to make enough money to retire. So far my total stock market index and total bond market index have not impressed me at all with a 50/50 mix. So it's painfully obvious to me that I need to take on more risk to make more returns. This isn't working.

Does a fund with a $100,000 minimum correlate to higher gains any more than a fund with no minimums ?

To answer they why part is because I'm tired of lousy returns and feel I need to take more risk to get more reward with the possibility of making less of course. Thanks for the great screenshots and information.

I want to get more aggressive than my total stock market index fund. What funds in VG would be good large cap funds that would possibly do better. Something that might have returns closer to 10%. I'm looking at something like:

http://wealthtrack.com/previous_10-07-2011.php