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I need an explanation of ownership of Vanguard Group

I don't quite understand Vanguard's client owned structure. I read this page but I'm still not sure how it is setup:
https://about.vanguard.com/what-sets-va ... p-matters/

Does every fund own some percentage of Vanguard? How are Vanguard's profits returned to the fund?
by optimus
Tue Feb 04, 2014 11:47 pm
 
Forum: Investing - Theory, News & General
Topic: I need an explanation of ownership of Vanguard Group
Replies: 1
Views: 578

Re: Just helped my mom buy VTTVX [Target Retirement 2025]

Yes I chose it because of her retirement date. I'll have her take the questionaire and move her to a target fund with a closer date if that makes her more comfortable. Edit: She just took the questionaire and it recommended an allocation of 50% bond and 50% stock. The target fund that is closest to ...
by optimus
Sat Feb 01, 2014 6:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just helped my mom buy VTTVX [Target Retirement 2025]
Replies: 5
Views: 494

Just helped my mom buy VTTVX [Target Retirement 2025]

Mom is about 10 years from retirement. She had a Money Market IRA with Bank of America that didn't grow at all for the past 5 years. I just helped her transfer the entire account over to Vanguard and bought VTTVX. She is very risk averse and doesn't want to see the value of her account go down. I ex...
by optimus
Sat Feb 01, 2014 5:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just helped my mom buy VTTVX [Target Retirement 2025]
Replies: 5
Views: 494

Working towards the three fund portfolio - hows it looking?

Hello all, Emergency funds/ Savings = $115,000 in savings @ 0.8% Debt: debt free! Tax Filing Status: Single Tax Rate: 25% Federal 5.3% State MA Age: 29 Desired Asset allocation: 75/25 stocks/bonds Desired Intl allocation: 25% My Portfolio: Tax-Free Accounts Roth at Vanguard: 4.08% Vanguard Prime Mon...
by optimus
Mon Jun 03, 2013 11:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Working towards the three fund portfolio - hows it looking?
Replies: 5
Views: 729

Re: Traditional IRA to Roth IRA Conversion tax question

Very helpful thanks grabiner!

If I do a conversion, it doesn't count towards my 2013 IRA contributions, right? I already contributed $5500 to my Roth for 2013.
by optimus
Thu May 09, 2013 11:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Traditional IRA to Roth IRA Conversion tax question
Replies: 8
Views: 1051

Re: Traditional IRA to Roth IRA Conversion tax question

Hi all,

I will not hit the next bracket. My salary is around $70K and my IRA account is around $5K.

I'm going to put my numbers into turbo tax to see how much I will be paying.
by optimus
Thu May 09, 2013 10:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Traditional IRA to Roth IRA Conversion tax question
Replies: 8
Views: 1051

Traditional IRA to Roth IRA Conversion tax question

I want to roll my traditional IRA to my Roth IRA to consolidate my accounts. How do I calculate how much taxes I owe on the conversion?
by optimus
Thu May 09, 2013 9:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Traditional IRA to Roth IRA Conversion tax question
Replies: 8
Views: 1051

Re: Help a European

Welcome!

I don't know anything about investing the EU but I know other members on this forum could help you. Does the Netherlands have similar investment vehicles as Traditional or Roth IRAs in the USA?
by optimus
Sun May 05, 2013 12:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help a European
Replies: 3
Views: 221

Re: POLL: Do you have a written investment plan?

I don't have one but after reading what everyone had to say I am going to write up a simple one page plan.
by optimus
Sat May 04, 2013 7:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: POLL: Do you have a written investment plan?
Replies: 67
Views: 11063

Re: Please evaluate my current portfolio.

most of us do not hold cash for this purpose, so it appears that what you thought of as a stable investment i thought of as money which you simply hadn't yet added to a different investment bucket. if your question is whether a 72/28 stocks/fixed income ratio is appropriate, i'd say yes. Thanks. My...
by optimus
Sat May 04, 2013 2:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Please evaluate my current portfolio.
Replies: 5
Views: 496

Re: Please evaluate my current portfolio.

Thank you so much for the answer. I have a question. Are fixed income/bond the same thing? How am I suppose to calculate the percentage? My Portfolio: Tax-Free Accounts Roth at Vanguard: $500 (0.60%) Vanguard Prime Money Market Fund (VMMXX) Tax-Deferred Accounts SEP IRA at Vanguard: $4,200 (5.36%) V...
by optimus
Sat May 04, 2013 1:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Please evaluate my current portfolio.
Replies: 5
Views: 496

I'm interested! I think any place near a T station would be good.
by optimus
Wed Jun 11, 2008 12:06 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Second Try at doing a Boston Area Diehards meeting
Replies: 30
Views: 10836

Thanks for all your help. After reading more posts on this forum, I made some slight changes to my desired asset allocation. Emergency funds = 6 months in CD Debt: None Tax Filing Status: Single Tax Rate: 25% Federal 5.3% State MA Age: 24 My revised porfolio is now: Desired Asset allocation: 78% sto...
by optimus
Fri Feb 29, 2008 9:21 am
 
Forum: Investing - Help with Personal Investments
Topic: I am new to investing and I need some advice
Replies: 4
Views: 1182

What investments should go in tax advantaged accounts like Roth Ira and Roth 401(k)?
by optimus
Thu Jan 31, 2008 1:25 am
 
Forum: Investing - Help with Personal Investments
Topic: tax efficiency of different asset classes
Replies: 11
Views: 2430

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