Search found 17 matches

Return to advanced search

VSMGX, #57 out of 250, C+

When I use Vanguard’s online tools to recommend a fund for my situation, it suggested Vanguard LifeStrategy Moderate Growth Fund (VSMGX). But when I ran this fund by the US News & World Report site the fund came in at #57 out of 250 they sampled. Not terrible, but they’re claiming there are 56 b...
by mickeymag
Sat Apr 05, 2014 12:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: best place for indexed funds for the novice
Replies: 12
Views: 1600

Re: best place for indexed funds for the novice

Maybe somebody can tell me why I shouldn't do this: given a fact that I haven't mentioned yet, that there's a reasonable chance I won't even need this money in ten years, I have this urge to go really heavy, even 100% in equities for one year, gambling, I know, and then plan to ease into more secure...
by mickeymag
Wed Apr 02, 2014 11:10 am
 
Forum: Investing - Help with Personal Investments
Topic: best place for indexed funds for the novice
Replies: 12
Views: 1600

Re: best place for indexed funds for the novice

Thanks. You've all been very helpful. Investment novice that I am, I'm no stranger to the joys of Excel, I so regularly use a sprdsht to make sure my investments are balanced where I want them across their various locations. (The only thing I never no how to calculate in that is my state teachers re...
by mickeymag
Wed Apr 02, 2014 11:05 am
 
Forum: Investing - Help with Personal Investments
Topic: best place for indexed funds for the novice
Replies: 12
Views: 1600

about the loss

Thanks for reminding me, John. Yes, I do know that I could suffer a loss, though of course the novice investor's mind tends to imagine gains, gains, gains. The more likely time for pulling it out would be closer to ten years, but even then, as you point out, I could experience a loss. I had planned ...
by mickeymag
Mon Mar 31, 2014 8:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: best place for indexed funds for the novice
Replies: 12
Views: 1600

best place for indexed funds for the novice

I already have retirement accounts and cash savings, but I also have a 14K lump I’d like to move into a mixture between stock and bond funds, with the idea of pulling it back out in 5-10 years. I’m trying to minimize fees and trading costs, and I’m not very knowledgeable at all about different kinds...
by mickeymag
Mon Mar 31, 2014 5:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: best place for indexed funds for the novice
Replies: 12
Views: 1600

Thanks to All

I want to thank you all for the terrific responses. Hearing things a few different ways always helps me. I had suspected that there were different mixes at work that could account for some of what I was seeing, but hadn't accounted for the additional fee clips not shown in returns, so that makes a b...
by mickeymag
Sat Feb 15, 2014 10:06 am
 
Forum: Investing - Help with Personal Investments
Topic: understanding expense ratio
Replies: 11
Views: 1119

10 yr trailing vs fees

Just an interesting follow up, while I really love the idea of indexed no-load funds, I often find that when I do comparisons to the actual funds where my money already is, things come out very close to even, even after fees are deducted. This seems like weak incentive to make changes. While I reali...
by mickeymag
Wed Feb 12, 2014 11:24 am
 
Forum: Investing - Help with Personal Investments
Topic: understanding expense ratio
Replies: 11
Views: 1119

Re: understanding expense ratio

Excellent answers both. Many thanks. I'm pretty good with excel, so wondering where I might find a sheet that does what you did, hopefully with a bit of gloss to get me going;-)

Thanks again!
by mickeymag
Mon Feb 10, 2014 2:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: understanding expense ratio
Replies: 11
Views: 1119

understanding expense ratio

Amazingly enough, I’m still struggling to understand the role of expense ratios and other fees as reported over 10 years. Can someone tell me, is there a simple way to calculate approximate fees charged OVER 10 YEARS on $15K for a) an account with .17 expense ratio versus b) a fund with 1.18 expense...
by mickeymag
Mon Feb 10, 2014 1:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: understanding expense ratio
Replies: 11
Views: 1119

mid term investing for auto purchase

This question concerns saving for a car purchase in 5-10 years, where 10 years is much more likely than 5 years. I’ve got about 15K currently languishing in a low interest bank account. In addition, I save about $3600 a year additional for a new car down the road, so I would be adding to this 15K ea...
by mickeymag
Mon Feb 10, 2014 10:10 am
 
Forum: Investing - Help with Personal Investments
Topic: mid term investing for auto purchase
Replies: 3
Views: 466

Re: annuities vs. bond fund or other for nursing home reside

f you make a change that turns out to be less than wonderful down the road, you could have serious problems within your family Sage advice, and that was my original thinking, until I started to think that making no changes was also a form of neglect, but I'm actually delighted to know that this is ...
by mickeymag
Wed Feb 06, 2013 2:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: annuities vs. bond fund or other for nursing home resident
Replies: 22
Views: 1879

Re: annuities vs. bond fund or other for nursing home reside

By my recollection (2-4 years or so old) these particular IRAs were taxable should they pass to heirs, whereas the annuity principles (not earnings) were not. Does that make (more) sense?
by mickeymag
Fri Feb 01, 2013 10:49 am
 
Forum: Investing - Help with Personal Investments
Topic: annuities vs. bond fund or other for nursing home resident
Replies: 22
Views: 1879

Re: annuities vs. bond fund or other for nursing home reside

What a wealth of information, folks. Really, I appreciate your careful consideration and thoughtful advice. I’m picking up very valuable information, and in particular I grasp now what I should have figured out before, ourbrook’s point that if I tried to do some sort of conversion to a bond fund or ...
by mickeymag
Wed Jan 09, 2013 9:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: annuities vs. bond fund or other for nursing home resident
Replies: 22
Views: 1879

Re: annuities vs. bond fund or other for nursing home reside

Thanks again for all your help, folks. I’ll provide a heap more information below, but perhaps better still, I wonder how forum users would respond if the question were framed as the following multiple choice: a) annuities are probably not as good for your mom and your family as other options b) the...
by mickeymag
Sun Jan 06, 2013 11:55 am
 
Forum: Investing - Help with Personal Investments
Topic: annuities vs. bond fund or other for nursing home resident
Replies: 22
Views: 1879

Re: annuities vs. bond fund or other for nursing home reside

Thanks. Very interesting! I hadn’t realized that heirs of a stock or bond fund would not have to pay taxes on either principle or gains. Big difference. Unfortunately, my dad and I never discussed any of the investments I would manage in the event of his death, so I don’t know the reasoning behind h...
by mickeymag
Sat Jan 05, 2013 3:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: annuities vs. bond fund or other for nursing home resident
Replies: 22
Views: 1879

Re: annuities vs. bond fund or other for nursing home reside

Mom already has an estate attorney and a tax man who has kept her from paying any taxes at all. And I do work with these people, but I guess before I talk to these people I’m trying to find out whether I’m right to be suspicious of advice that points toward annuities and whether the bond market is i...
by mickeymag
Sat Jan 05, 2013 2:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: annuities vs. bond fund or other for nursing home resident
Replies: 22
Views: 1879

annuities vs. bond fund or other for nursing home resident

My mom is in a nursing home and unable to make any decisions, so I handle her investments. Since my dad’s death in 2007 I have stayed the course with his decision to use annuities to accomplish some important goals: Preservation of principle Availability of funds to someone in a nursing home (as Mom...
by mickeymag
Sat Jan 05, 2013 11:54 am
 
Forum: Investing - Help with Personal Investments
Topic: annuities vs. bond fund or other for nursing home resident
Replies: 22
Views: 1879

Return to advanced search