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Re: Wife upset - loss of principal in Bonds

Hi All, My wife and I are indeed following and digesting all the advises and insights. We are going to see all the bogleheads educational vedios, wiki and VG youtubes suggested Do you guys think we should go to a fee-only-1-time-financial planner? thanks again and we are following on the advises and...
by confusedinvestor
Sat Dec 07, 2013 1:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Wife upset - loss of principal in Bonds
Replies: 60
Views: 7022

Re: Wife upset - loss of principal in Bonds

yep, 7 bond funds (big mistake), this was supposed to be a fixed-income taxable account (vs putting in checking account) Do you guys really think that interest rate will rise with tapering? If I seel all these funds now, where should we put the moeny to get some 1-2% growth? What is tax loss harvest...
by confusedinvestor
Wed Dec 04, 2013 6:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Wife upset - loss of principal in Bonds
Replies: 60
Views: 7022

Wife upset - loss of principal in Bonds

hi, i told my wife to invest in bonds vs putting money in checking acount and now my wife is upset when she saw he lost $445 of principal for 20K bond investments. Here is the mix [list=]Name Ticker "% Weight" "$ Gain/Loss Since Purch" "% Gain/Loss Since Purch" Fidelity...
by confusedinvestor
Wed Dec 04, 2013 5:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Wife upset - loss of principal in Bonds
Replies: 60
Views: 7022

Re: Scott Burns at Austin Bogleheads

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

I am Austinite...
by confusedinvestor
Sat Apr 13, 2013 2:34 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Scott Burns at Austin Bogleheads
Replies: 12
Views: 1878

Re: TAX question - doing tax myself - confused

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 ...
by confusedinvestor
Fri Mar 15, 2013 1:41 am
 
Forum: Personal Finance (Not Investing)
Topic: TAX question - doing tax myself - confused
Replies: 17
Views: 1263

TAX question - doing tax myself - confused

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?.......
by confusedinvestor
Wed Mar 13, 2013 10:54 am
 
Forum: Personal Finance (Not Investing)
Topic: TAX question - doing tax myself - confused
Replies: 17
Views: 1263

Re: old 401k to new 401k - TAX Hit?

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...
by confusedinvestor
Sun Apr 22, 2012 12:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: old 401k to new 401k - TAX Hit?
Replies: 5
Views: 478

old 401k to new 401k - TAX Hit?

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 ...
by confusedinvestor
Sun Apr 22, 2012 12:37 am
 
Forum: Investing - Help with Personal Investments
Topic: old 401k to new 401k - TAX Hit?
Replies: 5
Views: 478

Re: After tax contributions to a 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...
by confusedinvestor
Sat Apr 21, 2012 2:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: After tax contributions to a 401k
Replies: 75
Views: 5284

Re: PenFed Platinum Rewards Credit Card

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 ...
by confusedinvestor
Fri Apr 20, 2012 6:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: PenFed Platinum Rewards Credit Card
Replies: 33
Views: 3679

Re: PenFed Platinum Rewards Credit Card

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?
by confusedinvestor
Fri Apr 20, 2012 1:13 am
 
Forum: Personal Finance (Not Investing)
Topic: PenFed Platinum Rewards Credit Card
Replies: 33
Views: 3679

How do I handle this situation?

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...
by confusedinvestor
Wed Apr 18, 2012 6:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: How do I handle this situation?
Replies: 3
Views: 469

Re: Advice on 529 in CA

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
by confusedinvestor
Wed Apr 04, 2012 5:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice on 529 in CA
Replies: 22
Views: 1678

Re: Please help with Trustee Management for my Twins

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 ...
by confusedinvestor
Fri Mar 30, 2012 6:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please help with Trustee Management for my Twins
Replies: 4
Views: 338

Please help with Trustee Management for my Twins

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...
by confusedinvestor
Fri Mar 30, 2012 6:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please help with Trustee Management for my Twins
Replies: 4
Views: 338

Re: All Conflicting Here - Stock vs Bond % vs AGE!

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...
by confusedinvestor
Thu Mar 29, 2012 7:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: All Conflicting Here - Stock vs Bond % vs AGE!
Replies: 38
Views: 2073

Re: All Conflicting Here - Stock vs Bond % vs AGE!

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 ...
by confusedinvestor
Thu Mar 29, 2012 7:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: All Conflicting Here - Stock vs Bond % vs AGE!
Replies: 38
Views: 2073

Re: All Conflicting Here - Stock vs Bond % vs AGE!

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...
by confusedinvestor
Thu Mar 29, 2012 6:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: All Conflicting Here - Stock vs Bond % vs AGE!
Replies: 38
Views: 2073

Re: All Conflicting Here - Stock vs Bond % vs AGE!

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 (...
by confusedinvestor
Thu Mar 29, 2012 4:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: All Conflicting Here - Stock vs Bond % vs AGE!
Replies: 38
Views: 2073

Re: All Conflicting Here - Stock vs Bond % vs AGE!

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?
by confusedinvestor
Thu Mar 29, 2012 4:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: All Conflicting Here - Stock vs Bond % vs AGE!
Replies: 38
Views: 2073

All Conflicting Here - Stock vs Bond % vs AGE!

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...
by confusedinvestor
Thu Mar 29, 2012 1:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: All Conflicting Here - Stock vs Bond % vs AGE!
Replies: 38
Views: 2073

Re: Investing in Indian CDs for Indian Expats (NRIs)

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...
by confusedinvestor
Sat Mar 24, 2012 3:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing in Indian CDs for Indian Expats (NRIs)
Replies: 43
Views: 4511

Re: Investing in Indian CDs for Indian Expats (NRIs)

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...
by confusedinvestor
Sat Mar 24, 2012 12:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing in Indian CDs for Indian Expats (NRIs)
Replies: 43
Views: 4511

Re: Lowest trading commision broker to buy Vanguard?

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...
by confusedinvestor
Thu Mar 22, 2012 5:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lowest trading commision broker to buy Vanguard?
Replies: 20
Views: 1483

Re: ETFs or Admiral - Which is better & WHY?

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...
by confusedinvestor
Thu Mar 22, 2012 5:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: ETFs or Admiral - Which is better & WHY?
Replies: 16
Views: 1232

Re: ETFs or Admiral - Which is better & WHY?

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...
by confusedinvestor
Thu Mar 22, 2012 4:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: ETFs or Admiral - Which is better & WHY?
Replies: 16
Views: 1232

Re: ETFs or Admiral - Which is better & WHY?

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?
by confusedinvestor
Thu Mar 22, 2012 12:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: ETFs or Admiral - Which is better & WHY?
Replies: 16
Views: 1232

ETFs or Admiral - Which is better & WHY?

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...
by confusedinvestor
Thu Mar 22, 2012 11:30 am
 
Forum: Investing - Help with Personal Investments
Topic: ETFs or Admiral - Which is better & WHY?
Replies: 16
Views: 1232

Re: 401K Help - Finding SAME Funds?

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


thanks again for your help...
by confusedinvestor
Tue Mar 20, 2012 3:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K Help - Finding SAME Funds?
Replies: 6
Views: 1040

Re: Moving OLD 401K to new? Why?

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 ...
by confusedinvestor
Tue Mar 20, 2012 3:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving OLD 401K to new? Why?
Replies: 10
Views: 705

Moving OLD 401K to new? Why?

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

- New employer 401k
- New Rollover IRA
by confusedinvestor
Tue Mar 20, 2012 1:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving OLD 401K to new? Why?
Replies: 10
Views: 705

Re: 401K Help - Finding SAME Funds?

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...
by confusedinvestor
Tue Mar 20, 2012 11:30 am
 
Forum: Investing - Help with Personal Investments
Topic: 401K Help - Finding SAME Funds?
Replies: 6
Views: 1040

Re: Any tool to do this Allocation Math?

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...
by confusedinvestor
Tue Mar 20, 2012 2:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Any tool to do this Allocation Math?
Replies: 10
Views: 524

Any tool to do this Allocation Math?

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 ...
by confusedinvestor
Tue Mar 20, 2012 2:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Any tool to do this Allocation Math?
Replies: 10
Views: 524

Re: New TILT Vanguard ETF Portfolio - Look OK ?

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...
by confusedinvestor
Mon Mar 19, 2012 10:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: New TILT Vanguard ETF Portfolio - Look OK ?
Replies: 6
Views: 459

New TILT Vanguard ETF Portfolio - Look OK ?

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% -...
by confusedinvestor
Mon Mar 19, 2012 9:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: New TILT Vanguard ETF Portfolio - Look OK ?
Replies: 6
Views: 459

Re: 401K Help - Finding SAME Funds?

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&...
by confusedinvestor
Mon Mar 19, 2012 5:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K Help - Finding SAME Funds?
Replies: 6
Views: 1040

401K Help - Finding SAME Funds?

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...
by confusedinvestor
Mon Mar 19, 2012 2:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K Help - Finding SAME Funds?
Replies: 6
Views: 1040

Can anyone help with Vanguard Symbols?

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...
by confusedinvestor
Fri Mar 16, 2012 1:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Can anyone help with Vanguard Symbols?
Replies: 11
Views: 796

Re: Wife Bond Portfolio - PLease Help

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 ...
by confusedinvestor
Thu Mar 15, 2012 6:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Wife Bond Portfolio - PLease Help
Replies: 16
Views: 1195

Re: Wife Bond Portfolio - PLease Help

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 ...
by confusedinvestor
Thu Mar 15, 2012 2:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Wife Bond Portfolio - PLease Help
Replies: 16
Views: 1195

Wife Bond Portfolio - PLease Help

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...
by confusedinvestor
Thu Mar 15, 2012 12:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Wife Bond Portfolio - PLease Help
Replies: 16
Views: 1195

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