Search found 336 matches

by larmewar
Tue Aug 25, 2015 10:53 pm
Forum: Investing - Help with Personal Investments
Topic: Avoiding wash sale when reinvesting dividends in IRA
Replies: 16
Views: 1221

Re: Avoiding wash sale when reinvesting dividends in IRA

An alternate tactic I used once, was to also exchange shares purchased with the dividend in the IRA. The shares sold are not tracked my account, but I specified shares in my financial software. Probably have to watch IRS rules on pairing shares for wash sales. I don't know if that will hold with the...
by larmewar
Fri Aug 14, 2015 10:53 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Contrafund
Replies: 39
Views: 6478

Re: Fidelity Contrafund

I had a small stake in FCNTX from 2004 to early 2013. Main reasons for getting out were asset bloat, dwindling small/mid cap allocations and over allocation to Apple.

Lar
by larmewar
Wed Jul 15, 2015 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: I-Savings Bonds
Replies: 29
Views: 4030

Re: I-Savings Bonds

My I-bond holdings met several purposes: 1) Part of emergency fund, 2) Stash proceeds from a 2005 rental house sale that is not part of investment portfolio, 3) FI alternative TIPs and bond funds and 4) inflation protection. Recently (since 2011), I mostly bought 3-4 times a year (plus tax refund co...
by larmewar
Fri Jul 10, 2015 11:53 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to invest in OIL
Replies: 66
Views: 5226

Re: Best way to invest in OIL

Vanguard Energy if you want a mutual fund, but realize you are betting against (with varying time frames): Libyan capacity not on market at the moment Iranian capacity not on the market at the moment Planned increases in Iraqi capacity, maybe also Saudi Substitution of natural gas for diesel in US t...
by larmewar
Fri Jul 03, 2015 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: Is a large emergency fund needed after 59 1/2
Replies: 25
Views: 3457

Re: Is a large emergency fund needed after 59 1/2

Depending on the situation, a small emergency fund may be adequate. I'm reducing the size of my emergency fund; cashing I-bonds with proceeds going towards paying off mortgage. I have a military pension though, so your situation is likely different than mine.

Lar
by larmewar
Sun Jun 28, 2015 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: Stable value as alternative to bond exposure?
Replies: 7
Views: 1199

Re: Stable value as alternative to bond exposure?

The downside to stable value funds as compared to intermediate bonds for dampening volatility is you won't get an increase in value when market yields drop. Conventional thinking for more "normal" times is when the economy is not good, bond yields drop (bond price increases) while stock pr...
by larmewar
Sun Jun 14, 2015 5:55 pm
Forum: Investing - Help with Personal Investments
Topic: Latest TSP (Thrift) Contribution Date?
Replies: 29
Views: 2798

Re: Latest TSP (Thrift) Contribution Date?

Your pay and TSP contributions count in the calendar year received, not the year of hours worked. Changes to my TSP take at least one pay period to take effect. Recommend you check the rules for what happens to the TSP contribution if there isn't enough left in your paycheck to make the full contrib...
by larmewar
Sun Jun 14, 2015 5:35 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone have multiple IRAs through different brokerage firms?
Replies: 25
Views: 2143

Re: Anyone have multiple IRAs through different brokerage firms?

Vanguard, Fidelity and Dodge & Cox. Fidelity is only 25% in Fidelity funds; rest is in non-Fidelity NTF funds and individual TIPS.

Lar
by larmewar
Sun Jun 14, 2015 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: Use of Vanguard Wellington
Replies: 7
Views: 1331

Re: Use of Vanguard Wellington

I do the same inside an IRA. It's easier for me to stick IT bonds in Wellington than if I had them in IT bond fund. I also believe the managers add value over time. Just be aware that Wellington is typically light on government and agencies.

Lar
by larmewar
Thu Jun 04, 2015 5:15 pm
Forum: Investing - Theory, News & General
Topic: Cash IBonds to Paydown Mortgage
Replies: 9
Views: 1304

Re: Cash IBonds to Paydown Mortgage

Cruncher, After mortgage paydown, for illustration (not actual numbers): Without lumping itemized deductions 2016: Itemized deductions 12000 Standard Deduction 12,400, (-$3,100 tax) 2017: Itemized deductions 12000 Standard Deduction 12,400, (-$3,100 tax) Lumping itemized deductions, accelerating $3,...
by larmewar
Tue Jun 02, 2015 10:30 pm
Forum: Investing - Theory, News & General
Topic: Cash IBonds to Paydown Mortgage
Replies: 9
Views: 1304

Re: Cash IBonds to Paydown Mortgage

Cruncher, My break even inflation rates are for 5-10 years. If not cashed now, the Ibonds will probably be cashed as part of covering expenses while delaying social security. Your assumption that mortgage interest is fully deductible is not completely correct. I'll alternate between taking the stand...
by larmewar
Mon Jun 01, 2015 10:43 pm
Forum: Investing - Theory, News & General
Topic: Cash IBonds to Paydown Mortgage
Replies: 9
Views: 1304

Re: Cash IBonds to Paydown Mortgage

The mortgage is fixed rate. Investments are 52/48 equities and FI. Fixed income is TSP G (36% of FI), individual TIPS (5% of FI), short/intermediate bond funds and FI side of Wellington.

Lar
by larmewar
Mon Jun 01, 2015 6:10 pm
Forum: Investing - Theory, News & General
Topic: Cash IBonds to Paydown Mortgage
Replies: 9
Views: 1304

Cash IBonds to Paydown Mortgage

I'm considering whether to cash IBonds with 1.1 and 1.2% fixed rates to paydown 2.875% mortgage with retirement 3-5 years away. After tax calculations indicate 1.8% inflation is the break-even point. Factoring in lumping of itemized deductions, shifts the break-even inflation to 2.6%. The Ibonds in ...
by larmewar
Tue Apr 28, 2015 9:48 pm
Forum: Investing - Help with Personal Investments
Topic: Lousy 401k question
Replies: 27
Views: 2205

Re: Lousy 401k question

Paying down mortgage as bond investment is OK if you don't need liquidity. But if you do pay down the mortgage, only include extra principal payment that otherwise would have gone into investments.

Lar
by larmewar
Tue Apr 28, 2015 9:41 pm
Forum: Investing - Help with Personal Investments
Topic: How to best utilize TSP in retirement, particularly G Fund
Replies: 22
Views: 1821

Re: How to best utilize TSP in retirement, particularly G Fu

If your mother-in-law gets antsy from checking markets (and their investments) too often, balanced funds like the TSP L series might be helpful. Personally, I don't like to see bond funds jumping around so Wellington helps me stick with intermediate term bonds.

Lar
by larmewar
Sun Apr 26, 2015 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: Can you make trades directly between investments?
Replies: 13
Views: 884

Re: Can you make trades directly between investments?

Fidelity allows trading between funds in the same fund family without waiting for settlement. I can and have traded this way in my IRA between Fidelity funds and between Oakmark funds. If funds are in different fund families, one has to wait for funds to settle.

Lar
by larmewar
Sat Apr 25, 2015 9:41 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Short term inflation fund for emergency fund?
Replies: 1
Views: 455

Re: Vanguard Short term inflation fund for emergency fund?

It may take some time due to annual limits, but I-bonds are a better than Short Term Inflation now. Short Term Inflation has a negative real yield and you are paying the ER for the privilege.

Lar
by larmewar
Fri Apr 24, 2015 10:45 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard 500 Index Fund (VFINX) vs. ETF Version
Replies: 7
Views: 1329

Re: Vanguard 500 Index Fund (VFINX) vs. ETF Version

When your VFINX reaches $10K you can convert to VFIAX. With the mutual funds, it is invest to add small amounts.

Lar
by larmewar
Sat Feb 07, 2015 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Winding Down U-Life
Replies: 0
Views: 305

Winding Down U-Life

I have a $100K Universal life policy with USAA that has a cash value of $40K. Insurance rates actually charged have been much lower than the guaranteed rates, essentially term rates. Administrative fees are $2.50/mo and guaranteed minimum return is 4%. Death benefit is currently insurance plus cash ...
by larmewar
Sat Jan 17, 2015 10:39 am
Forum: Investing - Help with Personal Investments
Topic: Sell Long term bonds with large gain for short term bonds
Replies: 49
Views: 5250

Re: Sell Long term bonds with large gain for short term bond

I prefer individual TIPS to TIPS funds. TIPS bought at auction have no transaction cost and 0 BP ER.

Lar
by larmewar
Sat Jan 03, 2015 9:19 pm
Forum: Investing - Help with Personal Investments
Topic: IRA Rollover Question
Replies: 5
Views: 894

Re: IRA Rollover Question

Alan,

Thanks. For the one rollover within 12 months, are TIRA and Roth rollovers counted together or separately?

Lar
by larmewar
Thu Jan 01, 2015 11:47 pm
Forum: Investing - Help with Personal Investments
Topic: IRA Rollover Question
Replies: 5
Views: 894

Re: IRA Rollover Question

I want to split the rollover between D&C and Vanguard. The D&C IRA has a bank as custodian, don't remember which one off-hand. So say I take $1,000 from credit union IRA to me. I then send $500 to Vanguard IRA and $500 to D&C IRA (technically to the custodian) to rollover the funds. Then...
by larmewar
Thu Jan 01, 2015 9:39 am
Forum: Investing - Help with Personal Investments
Topic: IRA Rollover Question
Replies: 5
Views: 894

IRA Rollover Question

I'll be rolling over part of credit union IRA CD in January, proceeds going through me. Rollovers are limited to on per 12 months. So can I split the rollover and send part to Dodge and Cox and part to Vanguard?

Lar
by larmewar
Tue Nov 25, 2014 12:51 am
Forum: Investing - Help with Personal Investments
Topic: IRA Contribution Question and Age
Replies: 18
Views: 2127

Re: IRA Contribution Question and Age

I hadn't realized the thresholds aren't indexed for inflation. At 2-2.5% inflation, that wipes out about half the $2,500 or so in reduced income taxes. So I'll put on the shelf and take another look about the time I retire.

Thanks,
Lar
by larmewar
Sun Nov 23, 2014 1:05 pm
Forum: Investing - Help with Personal Investments
Topic: IRA Contribution Question and Age
Replies: 18
Views: 2127

Re: IRA Contribution Question and Age

Thanks for all the responses and ideas. In retirement, I won't be itemizing deductions and between medical and LTC insurance there isn't much potential for going over the standard deduction year after year. Roth now, or TIRA now/convert later is a wash with the same employed/retired tax rates and ta...
by larmewar
Sat Nov 22, 2014 1:13 am
Forum: Investing - Help with Personal Investments
Topic: IRA Contribution Question and Age
Replies: 18
Views: 2127

Re: IRA Contribution Question and Age

In today's dollars, I'll have about $47K/yr from military retirement and a small civil service pension. So pensions are almost completely inflation adjusted. I already have more in Traditional IRAs and TSP than I'll be able to convert in 15% bracket. Optimizing looks impossible. Take cap gains or co...
by larmewar
Tue Nov 18, 2014 11:05 pm
Forum: Investing - Help with Personal Investments
Topic: IRA Contribution Question and Age
Replies: 18
Views: 2127

IRA Contribution Question and Age

Is there an age or time till retirement past which it is generally considered preferrable to invest in a taxable account instead of making contributions to a traditional IRA or 401K? Same question for a Roth IRA? Additional background: - 25% tax bracket now and will be in the same bracket when retir...
by larmewar
Sat Nov 01, 2014 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: Does it matter when I buy Vanguard?
Replies: 13
Views: 1975

Re: Does it matter when I buy Vanguard?

You can get an approximation by looking at the dates in previous years. I don't remember the timing, but VG usually provides dates and dividend/CG estimates as we get close to the end of the year.

Lar
by larmewar
Sat Oct 18, 2014 9:37 pm
Forum: Investing - Help with Personal Investments
Topic: Any reason not to buy the International Bond Index Fund?
Replies: 15
Views: 2477

Re: Any reason not to buy the International Bond Index Fund?

The bond portion of Target Retirement is only 20% International Bond Index. The 50% sounds too high and doesn't leave much room for inflation indexed.

Lar
by larmewar
Sat Oct 18, 2014 9:10 pm
Forum: Investing - Help with Personal Investments
Topic: TBM too much treasury?
Replies: 67
Views: 5269

Re: TBM too much treasury?

The reasons TBM is considered skewed is missing from the thread. My understanding is that all the bonds the Federal Reserve has purchased and held are included in the construction of the total bond index. But if one considers those bonds as just being the government financing itself (printing money)...
by larmewar
Tue Jul 29, 2014 9:10 pm
Forum: Investing - Help with Personal Investments
Topic: How to complement VWENX to get full diversification?
Replies: 9
Views: 1435

Re: How to complement VWENX to get full diversification?

I think Wellington adds value and so I have a substantial stake in an IRA. Adding a little to what TX_Turtle wrote, VWENX's FI allocation is typically weighted towards the longer end of intermediate and away from Treasuries and agency bonds. You might (or might not) want to consider supplementing to...
by larmewar
Tue Jun 17, 2014 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: USAA Changes effective 6 Aug 14
Replies: 29
Views: 5599

Re: USAA Changes effective 6 Aug 14

In my case, I really do hold USPRX and I don't want to pay the capital gains since Fidelity can't hold it...I have done the math...the capital gains tax vs bonus...the bonus loses everytime...so there's reasons for both... You might look into the wash sale rule. Buying another 500 index fund could ...
by larmewar
Sun Jun 15, 2014 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: [Legacy USAA Whole Life -- What To Do?]
Replies: 17
Views: 6271

Re: [Legacy USAA Whole Life -- What To Do?]

Call USAA and ask what the return and life insurance costs are. In my experience with a USAA U-life policy (about 1996), the life insurance cost has always been far lower than the guaranteed rates in the policy. The current interest rate is 4.5%; 0.5% above the guaranteed rate. I have no idea whethe...
by larmewar
Sun Jun 15, 2014 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: Are hybrid cars a good idea yet?
Replies: 105
Views: 9489

Re: Are hybrid cars a good idea yet?

I'll be buying a car after the 2015s come out. The car will eventually go to one of my daughters, so don't want to shell out for a Prius (only hybrid worth my consideration). For the Corolla, it appears the Eco engine gives about half the benefit of a hybrid in the size/price range for this ourchase...
by larmewar
Mon Jun 09, 2014 9:49 pm
Forum: Investing - Help with Personal Investments
Topic: [Poll] How do you rebalance?
Replies: 30
Views: 1850

Re: [Poll] How do you rebalance?

Where's the choice for eclectic?
New contributions
Balanced funds
Bands
Somewhat random
Part of tinkering
Limit contributions/excess to separate savings

Lar
by larmewar
Sat May 31, 2014 7:55 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing Question
Replies: 15
Views: 1178

Re: Rebalancing Question

The default is usually Average Cost, which uses has a different basis than FIFO. FIFO uses the basis (cost) of the first in shares. Average Cost, as the name implies, uses the average cost of shares.

Lar
by larmewar
Sat May 31, 2014 7:48 am
Forum: Investing - Help with Personal Investments
Topic: Holding the same fund in taxable and non-taxable accounts
Replies: 11
Views: 1038

Re: Holding the same fund in taxable and non-taxable account

Dividends can be directed into any fund, not just MM, with the same tax treatment. If the fund has a cap on annual purchases, e.g. Primecap, a VG rep has to setup the redirection of dividends. When shares are sold at a gain, as with most shares purchased since 2008, the wash sale rule doesn't apply....
by larmewar
Sat May 03, 2014 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Very basic social security question
Replies: 26
Views: 2216

Re: Very basic social security question

If you download and install the AnyPIA benefit calculation program from the Social Security website, you can enter your income by year and run different cases. Once you qualify (think it is 10 years),your PIA and benefits depend on covered wages adjusted for increases. From your posts, it sounds lik...
by larmewar
Sat Apr 12, 2014 9:34 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie 401K Advice Needed
Replies: 43
Views: 4434

Re: Newbie 401K Advice Needed

VG Primecap has been an outstanding fund, but has been closed to new investors almost forever. Now probably isn't a good time (over weight to health care/biotechnology and tech sectors), but you might consider the fund in the future.

Lar
by larmewar
Fri Apr 11, 2014 11:29 pm
Forum: Investing - Help with Personal Investments
Topic: Thrift Savings Plan -- the G Fund
Replies: 6
Views: 906

Re: Thrift Savings Plan -- the G Fund

As EmergDoc wrote, G fund doesn't give gains as rates fall which had been the case the last few years until last summer. NAV doesn't drop when rates rise either. My guess is the "savvy investor" won't have much to say after rates go up and his bond funds drop. Comparing monthly G and F fun...
by larmewar
Fri Apr 11, 2014 11:15 pm
Forum: Investing - Help with Personal Investments
Topic: Problem with Vanguard website
Replies: 25
Views: 2436

Re: Problem with Vanguard website

I was seeing malformed pages and command lines at the bottom of pages using IE from work and couldn't log in. Chrome from home was fine.

Lar
by larmewar
Fri Apr 11, 2014 10:58 pm
Forum: Investing - Help with Personal Investments
Topic: Roth v. traditional TSP
Replies: 7
Views: 717

Re: Roth v. traditional TSP

TSP doesn't allow you to specify where distribution come from, TSP distributes proportionately to balances in each. So that along with being able to withdraw Roth contributions is why my Roth contributions go to Roth IRAs.

Lar
by larmewar
Fri Apr 11, 2014 10:43 pm
Forum: Investing - Help with Personal Investments
Topic: fund for future car purchase
Replies: 2
Views: 336

Re: fund for future car purchase

At $500-1,000 per month you're looking at 3-4 years. So for a mutual fund would be a short-term bond. I would target a date for the purchase, then put funds into a CD every 3-6 months.

Lar
by larmewar
Sat Mar 29, 2014 5:24 pm
Forum: Investing - Help with Personal Investments
Topic: Should everyone own I Bonds?
Replies: 44
Views: 6459

Re: Should everyone own I Bonds?

I "get around" the income limits by making large 401K contributions in years when I cash savings bonds for education.

Lar
by larmewar
Sat Mar 29, 2014 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: International Bond Allocation?
Replies: 24
Views: 2803

Re: International Bond Allocation?

Petrocelli,

The international bond allocation seems OK. If there is anything off on the bond allocation, it would be not enough TIPS for inflation protection.

Lar
by larmewar
Sat Mar 29, 2014 4:58 pm
Forum: Investing - Help with Personal Investments
Topic: Bernstein on TIPS ladder vs TIPS fund
Replies: 25
Views: 2728

Re: Bernstein on TIPS ladder vs TIPS fund

Why buy a TIPS fund and pay 0.2% ER (or more) when one can purchase TIPS at auction with no load and no expense? For myself, I evaluate the TIPS rates, fixed plus expected inflation, compare with alternatives and decide which to buy. If it eventually results in some sort of TIPS ladder, then so be i...
by larmewar
Sun Mar 02, 2014 12:13 am
Forum: Investing - Help with Personal Investments
Topic: Paying off the mortgage. Kind of.
Replies: 29
Views: 2958

Re: Paying off the mortgage. Kind of.

The tax-free may not be worth as much as you think. If you don't have other deductions exceeding the standard deduction, there is no tax benefit. Then there is also the free loan to the mortgage company, aka escrow.

Lar
by larmewar
Sun Mar 02, 2014 12:06 am
Forum: Investing - Help with Personal Investments
Topic: Help with selling active funds
Replies: 6
Views: 501

Re: Help with selling active funds

If you have been reinvesting dividends and capital gains, take in/to cash and reinvest in funds you want. You can reduce holdings and minimize cap gains by selling specific shares, ones that have the least capital gains.

Lar
by larmewar
Mon Feb 03, 2014 12:40 am
Forum: Forum Issues and Administration
Topic: Update E-Mail Addess
Replies: 1
Views: 458

Update E-Mail Addess

I'm assuming an e-mail address was associated with my registration. How do I change the e-mail address on my registration?

Lar
by larmewar
Sat Nov 30, 2013 11:28 pm
Forum: Investing - Help with Personal Investments
Topic: I-Bond Purchase Over the Limit was Allowed ?
Replies: 47
Views: 4961

Re: I-Bond Purchase Over the Limit was Allowed ?

Back to the gift box, but with a different twist. Is there anything preventing one from purchasing >>$10K in I-bonds in the gift box, then and not delivering the I-bonds until a future year?

Lar

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