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Hi, How can I get emails for Austin Bogleheads meetings, updates or speaker presentations?

I am Austinite...

thank you everyone for your help. 1. I called wellstrade and they told me i have to file taxes as i have Divident income altough I didnot sell anything and Dividents are auto re-invested - as i was paperless, i have to download the tax forms so i didnot get it in mail.... 2. thanks for TT advise on ...

any thoughs?

Hi Folks, I do my taxes every year using Turbo Tax but this year is very complex for person like me....pls help me.... 1. I invested some $$ in stocks/bonds using wells-trade retail site last tax-year (2012) but never SOLD any shares - DO I STILL NEED TO REPORT TO IRS THAT i bought stocks/bonds?.......

thanks coldplay and lawman. It is the same type of 401K plan (before tax plan) it is a generic letter from Fedelity stating : - Normal Distribution - 50k - Taxable Income - 50k - Rollover Eligeble - 50k I guess this is a generic letter showing old 410k funds were distributed but it doesnt indicate i...

Folks, I am confused and very concerned - pls help... Fedelity rolled over my old employer 401K (at Fedelity) to new employer 401K (again at Fedelity) as direct 401k to 401K rollover in 1 day - money just showed up in my new 401K account next day but now I got a letter from Fedelity showing my 401K ...

Brian, IcedTea, and all, Wow, i never knew this - i thought i can only contribute 17K to 401k and 5k t Roth or TIRA. I found out My present employer (AT&T) allows after-tax 401k contribution, but, i am yet to check in-service withdrwals. 1. Does this mean I can contribute 10k (or any amount) aft...

I tried to apply online but I cant seem to pass the "Eligibility" Section... thoughts? Penfed's backdoor is so wide open that it's almost like the frontdoor. Struggling to believe you missed it. Read the wiki: http://www.bogleheads.org/wiki/Pentagon_Federal_Credit_Union thanks again - so ...

Hi, Do I have to be in Army/Navy/Airforce to apply for this card?

I tried to apply online but I cant seem to pass the "Eligibility" Section...

thoughts?

Folks, I've 1 year old twins but have no family here in US. Couple trsuted friends also left for good. So, if something happens to my wife & I (both got killed in car accident), how do I pass my 401k/taxable/funds to my twins ? I contacted Vanguard Trust Dept and they said they cant help as my t...

Where can I open/fund a ESA plan?

My financial advisor (fee based) advised me Utah and we put all our savings (160K) for our 1 year old TWINS in UT 529.

We used customized option on UT plan and UT offer all Vanguard Funds

Ed, Many thanks - Does this mean I have to move all my assests to Vanguard now? or Do they offer 'Successor Trustee' ie they will act & charge when my wife & I both pass away? Based on the link https://personal.vanguard.com/us/whatweoffer/advice/roles looks like they have $1 million minimum ...

Hi Folks, I've 1 year old Twins, no family in this country, couple trusted friends left, and, i am trying to designate a 'successor trustee management firm/agent' who will act as fuduciary for the best interest of my twins (until they get 18) if something happens to both my wife & I (say we both...

Changing your AA by 1% annually is a waste of time because (1) your personal circumstances are likely not changing too significantly every year and (2) it doesn't impact the overall portfolio in any significant way. Consider 5% every 5 years, or whenever your personal circumstances sufficiently cha...

Many thanks - How did you plot this? Using EzBacktest? or, Are there any tools BogleHeads recommend for this plotting? I suggest you go to some convenient source, and plot comparative growth charts for several mutual funds with varying asset allocations, and look carefully at their growth and their ...

Ruralevalon & YDnal, Many thanks for looking at my Assest Allocation, i will reduce the number of funds but I was trying to do a small/mid/value TILT based on TYLOR's Boglehead Gems Wiki notes... One querstion to both of you and all in this forum -- Is this a ok strategy? I'll do 70/20/30 alloca...

Wow - thanks guys - this is my first and VERY important lesson on my investing & AA... i am having a bad week b/c I feel I wasted 180$ to buy Morningstart Premium memership where I could have couple 3 shares of VTI...well, glad I found this forum! Given I have to catch up on lost time, My 401K (...

Clearly_Irrational wrote:The general theory goes something like this:

3) Since most people accept the CAPM model as being at least mostly correct, you can figure out how much you should have in stocks/bonds using math
.

What is CAPM model?

I am very confused - What should be Stock vs Bond Mix, given my age (35 yrs) - All conflicting information in this forum, authors, Mr Bogle vs Vanguard Target date retirement Fund...Here is what I found out - 1. Bogle says Use Bond% as Your age - my age = 35 % - so bonds - 35% BUT 2. VG Target retir...

Hi RR2, Many thanks for your reply. 1. Does the CD moeny have to be spent in India? OR, can I be spent here in US as well (as we give tax to IRS for the CD interest)? 2. Say, we do CD ladder, 1, 3, 5 yr maturity on this 9.5% APY - and in the meantime, we choose to become US Citizen, what will happen...

If you are a non resident Indian (or person of Indian origin) , you can invest in Indian Bank CDs which are also called fixed deposits. We are planning to invest approximately USD 5000/yr in a 3 year CD every year. We are already maxing out all US Tax advantaged accounts: Two 403bs and Two Roths as...

I want to keep expenses down. I am assuming Vanguard funds has very low expenses for indexing. I want to rebalance quarterly. Funds invested is around $150k I use Scottrade now. But, at $17 everytime I buy 7 funds quarterly adds up (17X7X4 = ~$500) . I'd rather save that $500 if I can. I am wonderi...

Fortunately, your broker has plenty of Signal Share class Vanguard funds, so you do not need Admiral share class. You have seen and read the thread about WellsFargo and Vanguard, right? Plus there are plenty of threads about ETFs vs mutual funds. It all depend on YOU and not on the share class. See...

thanks you bw...I will call my ROTH IRA Brokerage - WellsFrago - so can clarify how long i can keep my limit orders for buying ETFs in my ROTH...thank you again for your help...

Daw,

How do I set a "reasonable maximum" price to buy a ETF using LIMIT order, on given say? Doesn M* gives a spead on bid/sell?

What does LIMIT order means in general?

Folks, New investor - ETFs vs Admiral Shares - What are the advantages and disadvantages of each? My brokerage (wellstrade) doesnt have Admrial shares of VBTSM so they are asking me to buy VTI ETFs as both of their ER is same and ETFs no Tx-fees. I heard ETFs are BAD for long buy & hold as 'trac...

Hoppy - I took your advise and started a new thread - "Moving OLD 401K to new? Why?"


thanks again for your help...

I'll start the ball rolling: An old rollover IRA can reduce the effectiveness of any future backdoor Roth IRA. . -- Thank you - that is the reason i am planning to rollover my old employer 401k and also another rollover IRA to my existing empoyer 401K! A new 401(k) can have poor fund selection and ...

Folks, Whare the advantages & disadvantages to moving my old 401K to ---

- New employer 401k
- New Rollover IRA

Hi Hoppy, Many thanks for such a nice insight. Yep, you are right, I am new to AT&T. I called Fedelity couple times and they confirmed no Admin or Hidden fess with those Funds with ER = 0.01 but there is a Plan fee of $32/year just to enroll in 401k. Note AT&T 401k also offers Fido Brokerage...

right - the issue is i dont know the partial dollar amount i should allocate in fund2 and fund3 in M* X-Ray, given my overall AA...

I am sorry I am not understanding this right...

Folks, Is there any tool or website out there which will tell me how many shares of ETF/Mutual Funds I need to buy based on my asset allocation percentage and specific dollar amount to invest? example: Fund1 - 60% -- Already auto invested in my 401k Fund2 - 25% -- Need to invest FUnd3 - 15% -- Need ...

thanks All. I am thinking of this Asset Allocation for my old employer 401k as well - where I've 130K - planning to rollover 130k to IRA or move to present employer 401K (which I'm having a hard time to decide) Again, I will not pay any brokerage fees or trading commissions on any ETFs or FUNDs at W...

Folks - New investor - Is this a OK Asest Allocation % & Funds Choice for my 10K ROTH IRA? I want a TILT portfolio with Large Value & Small Growth & Emerging - No commissions at WellsTrade...As I've only 10K, I have to choose ETFs... 35% - Total US Stock - VTI 8% - Large Value - VTV 7% -...

thank you for your reply. Yep, the AT&T Bond's ER is 0.45 as looks like it is actively managed bond per the Fund Prospectus -- 'The fund is currently managed by PIMCO, Western Asset Management Company and BlackRock' I'll call Fido to get clarification of other account maintenance fees... AT&...

Folks - I am new bee - I need your help (please) to advise me if the following symbols/funds are similar to my 401k funds offerings at AT&T (managed by Fedelity) - I have icluded the AT&T 401k Fund objectives from Fund Prospectus/ER/YTD/My-Allocation-% and the comparable VG ETFs below so I c...

Hi - New investor - learning... 1. Can someone tell me the ticker symbols of both VG index funds and corresponding VG ETFs? 2. How can I find same Fedelity index funds and corresponding iShare ETFs (comm free at Fido)? - Total Stock Market US - Total Int Stock Market - Total Bond Market - REITs - Em...

Any addtional feedback folks? I took the advise from ppl here and here is the proposed mix: Fidelity Intermediate Municipal Income 48 Vanguard Interm-Term Tx-Ex Inv 14 Dodge & Cox Income 12 Harbor Bond Instl 12 DoubleLine Core Fixed Income N 10 Market Vectors High-Yield Muni ETF 2 iShares iBoxx ...

thanks all - i am excited with all your responses here - much more advises than Morningstar board...!!! - Yes, this is kinda emergency fund for my family but we have another 20K (beside this) in Capital One Checking 1% APY - Our tax bracket is 25% per Turbo tax but effective tax rate 15.1% - that's ...

Folks, Wife allowed me to invest her 20K (taxable) in BONDS only with her following cirteria: - Capital preservation - Beat 1% of Capital One Bank Checking APY - where the $$ presently sitting getting 1% - Dont loose money like 2008 Here are the investments I chose (Munis/Int/ETF-Bonds) - so - share...