Search found 581 matches

by ps56k
Sun Jun 14, 2015 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: IRA contribution question
Replies: 3
Views: 454

Re: IRA contribution question

You might also mention if you are working - and if you are covered by a retirement plan at work... and contribute - IRA's can only be funded from "earned income" and spouses can be funded from the working partner. You can usually contribute to an IRA - the "deduction" gets nipped...
by ps56k
Sun Jun 14, 2015 3:02 pm
Forum: Investing - Help with Personal Investments
Topic: Time Has Gone Quickly, 3 Months Till Retirement
Replies: 32
Views: 4653

Re: Time Has Gone Quickly, 3 Months Till Retirement

What you may be missing is that your portfolio will be providing a significant amount of dividends and capital gains and other distributions every year, and fairly reliably. These may approach a significant portion of your yearly needs (about 80% of ours), thus reducing the need to have a significa...
by ps56k
Sun Jun 14, 2015 2:49 pm
Forum: Investing - Help with Personal Investments
Topic: Bear Market strategies, if any
Replies: 61
Views: 6701

Re: Bear Market strategies, if any

For the - Winter Is Coming - strategy, I setup a $100k CD ladder with ALLY Bank, and also started exchanging some money to more moderate Vanguard mutual funds. I exchanged some into Vanguard Wellesley - VWINX - Now, I'm wondering if maybe the Vanguard Balanced Index Fund - VBINX - might be a better ...
by ps56k
Fri Jun 12, 2015 7:52 pm
Forum: Investing - Theory, News & General
Topic: 9 Funds for a Rainy Day
Replies: 16
Views: 2532

Re: 9 Funds for a Rainy Day

I wanted something to "save for a rainy day" - or more like a 2008 downpour - SO - put $25k each into four ladder CD's at ALLY Bank, and also moved some cash into Vanguard Wellesley - which is 60% bond and 40% stock - as a good counter balance safety net to my other Vanguard funds. Since W...
by ps56k
Fri Jun 12, 2015 4:47 pm
Forum: Investing - Theory, News & General
Topic: 9 Funds for a Rainy Day
Replies: 16
Views: 2532

Re: 9 Funds for a Rainy Day

Was just reading the Kiplinger article at the library this afternoon -

So - how does the Vanguard Balanced index fund (VBINX)
compare to say the Wellington (VWELX) and Wellesley (VWINX) funds ?

Looks like it splits the middle between the Wellington stock-oriented and Wellesley bond-oriented funds.
by ps56k
Fri Jun 12, 2015 11:54 am
Forum: Investing - Help with Personal Investments
Topic: 403b/teachers pension plan rollover questions
Replies: 9
Views: 1038

Re: 403b/teachers pension plan rollover questions

here is some info from another thread of mine - same basic questions - ------------- wife has 403b at Fidelity and a T-IRA account at Fidelity with about $60k in basis... Convert T-IRA to Roth - in Tax steps ? Post by DSInvestor » Sun Dec 14, 2014 12:54 am If your wife is still working and has acces...
by ps56k
Fri Jun 12, 2015 11:44 am
Forum: Investing - Help with Personal Investments
Topic: Investing for my 19 yr old son
Replies: 23
Views: 2336

Re: Investing for my 19 yr old son

I setup a Vanguard Roth IRA for our son. Used the TD fund for 2050. One nit - which should not be a problem for you - is that IRAs can only be funded from "earned income". So your son has to earn at least $5,500 a year to fully fund the IRA. Ours was only working during the summer, so it w...
by ps56k
Fri May 08, 2015 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: Next steps? PhD student w/ almost no tax-advantaged space
Replies: 19
Views: 1987

Re: Next steps? PhD student w/ almost no tax-advantaged space

bcjb wrote:I can certainly empathize, and I agree that stipends should be treated as regular earned income.

Our son received a W-2 for his PhD income via TA + Research -
by ps56k
Fri May 08, 2015 5:38 pm
Forum: Investing - Help with Personal Investments
Topic: Next steps? PhD student w/ almost no tax-advantaged space
Replies: 19
Views: 1987

Re: Next steps? PhD student w/ almost no tax-advantaged space

#1 - I seem to recall the qual for using the QTIP was that he had to be at least a 1/2 time student... hmmmmm.... maybe the qual is for getting the "deduction" - I'm just interested in getting the money out of the 529. He has a couple of classes, but no tuition costs - no billing statement...
by ps56k
Fri May 08, 2015 5:06 pm
Forum: Investing - Help with Personal Investments
Topic: Next steps? PhD student w/ almost no tax-advantaged space
Replies: 19
Views: 1987

Re: Next steps? PhD student w/ almost no tax-advantaged space

Our son is following the PhD path and is receiving about $30k for TA + Research. Our problem is that I still have about $30k left in his Illinois BrightStart 529 plan. Since he's not really a student anymore, I'm currently stuck with the $30k... SO - will have to just sit on it... no other siblings....
by ps56k
Sun May 03, 2015 11:38 pm
Forum: Investing - Theory, News & General
Topic: Fiduciary Standard - Now open for public comments
Replies: 20
Views: 2133

Re: Fiduciary Standard - Now open for public comments

As I read it, this only applies to retirement accounts, maybe. What about those with regular taxable investment accounts? IMO, that's where the real problem is. The Labor Department has no jurisdiction over regular accounts -- that's SEC, and possibly Treasury. Labor has jurisdiction over retiremen...
by ps56k
Wed Apr 22, 2015 11:30 pm
Forum: Investing - Theory, News & General
Topic: TRowe article - Stretching an Inherited IRA
Replies: 0
Views: 340

TRowe article - Stretching an Inherited IRA

Happen to have a couple of mutual funds at TRowe, and receive their INSIGHT publication. There was an article on a topic I had not previously run across, and just wanted to share... "Stretching" an Inherited IRA offers your heirs the potential for decades of tax–advantaged growth. http://i...
by ps56k
Tue Apr 21, 2015 12:08 pm
Forum: Investing - Theory, News & General
Topic: International bonds - VTIBX - bubble, short, stay
Replies: 14
Views: 1396

International bonds - VTIBX - bubble, short, stay

Have a little of the Vanguard International Bond index fund - VTIBX - https://personal.vanguard.com/us/funds/snapshot?FundId=1231&FundIntExt=INT and just saw this Bill Gross article about concern over Germany bunds... http://finance.yahoo.com/news/bill-gross-short-lifetime-144103525.html Do his ...
by ps56k
Sun Apr 19, 2015 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: 401k + retirement + bene + family
Replies: 4
Views: 542

401k + retirement + bene + family

My wife's sister's husband (50) was killed in a car accident 2 years ago.... He had a 401k - only $10k in it - and the bene was his father... that's ok. The 401k info was given to the father, who has been retired for years. It appears that the father rolled over the son's 401k into his own 401k - Ju...
by ps56k
Sun Apr 12, 2015 10:39 pm
Forum: Investing - Theory, News & General
Topic: Consistent Yield & Duration to Help Choose TIPS Fund
Replies: 67
Views: 11708

Re: Consistent Yield & Duration to Help Choose TIPS Fund

tnx for the info -
so much to absorb... at the high levels, and then drilling down to the sub-topics - and then layers under that :)
by ps56k
Thu Apr 09, 2015 5:27 pm
Forum: Investing - Theory, News & General
Topic: Int'l Hedged Bond Funds
Replies: 10
Views: 1020

Re: Int'l Hedged Bond Funds

If I were to summarize this data from an US investors perspective in terms of risk/reward it would be as follows: -> Canada, Israel: Similar real yields to the US but with currency risk. NO THANKS. -> Brazil, Chile, Mexico, S. Africa: Higher real yields are tempting. But which one of these will be ...
by ps56k
Thu Apr 09, 2015 4:02 pm
Forum: Investing - Theory, News & General
Topic: Consistent Yield & Duration to Help Choose TIPS Fund
Replies: 67
Views: 11708

Re: Consistent Yield & Duration to Help Choose TIPS Fund

If I were to summarize this data from an US investors perspective in terms of risk/reward it would be as follows: Canada, Israel: Similar real yields to the US but with currency risk. NO THANKS. Brazil, Chile, Mexico, S. Africa: Higher real yields are tempting. But which one of these will be the ne...
by ps56k
Sat Apr 04, 2015 10:10 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 390
Views: 45642

Re: Schwab Intelligent Portfolios [now live]

tj wrote:TurboTax import.

Yeah - I've been doing that for awhile now.... just wondering how convoluted all the SIP tracking will become..
by ps56k
Sat Apr 04, 2015 9:46 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 390
Views: 45642

Re: Schwab Intelligent Portfolios [now live]

I wonder what the resulting 1099 line item entries will look like next tax season ?
Will you be seeing potentially 12 different line items for divs, cap gains, etc - ???
that you will then have to transcribe onto your 1040.
by ps56k
Tue Mar 31, 2015 11:10 pm
Forum: Investing - Help with Personal Investments
Topic: Newly retired investment advice needed
Replies: 12
Views: 1301

Re: Newly retired investment advice needed

Julieta wrote:He funded $6,500 into his 2014 IRA and his income was less than $6,500

Was this the first time he didn't have enough "earned income" to fund the total $6,500 contrib to the IRA ?
What about previous years ?
by ps56k
Tue Mar 31, 2015 5:24 pm
Forum: Investing - Theory, News & General
Topic: Is it time to give-up on TIPS?
Replies: 137
Views: 19241

Re: Is it time to give-up on TIPS?

Doc wrote:I use a 0-10 ladder..... Now that there is a 1-10 fund/etf available that may be a viable alternative.

What does your 0-10 ladder look like ?
and what is the 1-10 fund/etf you mention ?
by ps56k
Tue Mar 31, 2015 3:45 pm
Forum: Investing - Help with Personal Investments
Topic: Newly retired investment advice needed
Replies: 12
Views: 1301

Re: Newly retired investment advice needed

yeah.... it's called "Earned Income" - ala working - no work means no IRA contribution allowed of any kind - I had that problem with our college son - worked part time during summer and school, but not enough for the full $5,500 contrib. Last year was better... $8k earned income - so full ...
by ps56k
Tue Mar 31, 2015 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Share Secured Loan - why ?
Replies: 7
Views: 583

Re: Share Secured Loan - why ?

....Share Secured Loans can make sense if you're securing them against longer CDs..... Our son is pretty well set.... has $120k in his Schwab portfolio, about $30k left in his 529 account, $5k in his CU checking account, $5k in his Chase checking, and $8k in his Roth IRA - along with his Citi CC - ...
by ps56k
Tue Mar 31, 2015 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Share Secured Loan - why ?
Replies: 7
Views: 583

Re: Share Secured Loan - why ?

....Second, a parent wants to lend money to their kid but they want to make sure that they are lending the money – not just giving it away. Thanks for the life lesson - which has nothing to do with the posted topic - or anything even mentioned - The SHARE is not a co-sign - it's the CU way of SECUR...
by ps56k
Tue Mar 31, 2015 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Share Secured Loan - why ?
Replies: 7
Views: 583

Share Secured Loan - why ?

Our son - a grad student - is looking to buy a car where he is located. He is in the Credit Union at school, and has enough cash to buy an older used car he has found. The CU will make a car loan to him, if he needs it. One of the options they offer is something called - Share Secured Loan - http://...
by ps56k
Mon Mar 30, 2015 10:29 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 390
Views: 45642

Re: Schwab Intelligent Portfolios [now live]

Without TLH, it's a comparison against target date funds vs tilts to fundamental/small/value/reit. And target date date for a 24yo would probably be pretty close to all equities, so just SCHB (and ignoring international) could be just fine for your son. ------------- I agree with this assesment, bu...
by ps56k
Sat Mar 28, 2015 11:49 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 390
Views: 45642

Re: Schwab Intelligent Portfolios [now live]

Just to test out their rebalancing, I added $1k to the account earlier this week....... Guessing you were curious enough to setup a "test" $5k account to play with. I might do the same with our 24yr old son's Schwab One account that has a few stocks bought when he was a toddler, and also ...
by ps56k
Sat Mar 28, 2015 11:27 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 390
Views: 45642

Re: Schwab Intelligent Portfolios [now live]

The SIP ETF dividends are not directly reinvested. They are first put into cash and providing there is enough cash will be used to rebalance the portfolio. If you view the SIP holdings via schwab.com, you'll see that none are set up for reinvesting dividends. So - what are the tax consequences of t...
by ps56k
Sat Mar 28, 2015 7:38 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 390
Views: 45642

Re: Schwab Intelligent Portfolios [now live]

My overall question - for both Schwab SIP - and for places like Edward Jones, and others, that create a portfolio of several stocks like those shown for example with SIP - Does it really matter to have a lot of small % in various stock funds ? If we look at say $500k - split into this sample SIP por...
by ps56k
Fri Mar 20, 2015 3:45 pm
Forum: Investing - Theory, News & General
Topic: Long-term performance of value vs cap-weighted index
Replies: 9
Views: 729

Re: Long-term performance of value vs cap-weighted index

You are right, I meant fundamental indexed or dividend indexed rather than value indexed. I just brought this up in another thread about Schwab's new robo-advisor - https://www.bogleheads.org/forum/viewtopic.php?f=10&t=160555&p=2426123&e=2426123 and their internal stock funds being &quo...
by ps56k
Fri Mar 20, 2015 3:39 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 390
Views: 45642

Re: Schwab Intelligent Portfolios [now live]

thanks for the info - on Fundamental based and Value based Indexing -

I would think that the more elements you have contributing to your index (Fundamental)
would be better than just weighted it with the Cap ?
by ps56k
Fri Mar 20, 2015 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: VXUS [Should I buy Vanguard Total Int'l Index, Total Bond?]
Replies: 13
Views: 1439

Re: VXUS [Should I buy Vanguard Total Int'l Index, Total Bon

livesoft wrote:It means you are on the Advisors site.
Try this site: https://personal.vanguard.com/us/funds/snapshot?FundId=0569&FundIntExt=INT

Thanks - just did a quick Google to find it - clicked - and didn't really notice the different URL location.
by ps56k
Fri Mar 20, 2015 1:41 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 390
Views: 45642

Re: Schwab Intelligent Portfolios [now live]

Just entered some sample info into Schwab Blue - and was going to start another thread... but decided to just piggyback - Here is the stock portion - and I have to admit, I'm not that familiar with the other Fundamental "thing" for lack of a better word, and why so many stocks to add --> 1...
by ps56k
Fri Mar 20, 2015 1:19 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Fund or Guaranteed 3%
Replies: 18
Views: 1554

Re: Bond Fund or Guaranteed 3%

My wife and I have a reward checking account (RCA) that pays 3.09%/year (Consumers Credit Union of Illinois) on balances up to $10,000. Interesting place - http://www.myconsumers.org/personal/checking/free-rewards-checking.html with several monthly reqs to receive your 3% or 5% "reward" f...
by ps56k
Fri Mar 20, 2015 1:08 pm
Forum: Investing - Help with Personal Investments
Topic: VXUS [Should I buy Vanguard Total Int'l Index, Total Bond?]
Replies: 13
Views: 1439

Re: VXUS [Should I buy Vanguard Total Int'l Index, Total Bon

Just looking at the Admiral version mutual fund - VTIAX
https://advisors.vanguard.com/VGApp/iip/site/advisor/investments/productoverview?fundId=0569

and it shows "N/A" for the Minimum Investment ??
Any ideas what this means ??
by ps56k
Fri Mar 20, 2015 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: Setting up Roth for clueless sibling
Replies: 25
Views: 1336

Re: Setting up Roth for clueless sibling

I set up a Roth IRA for my brother this past year when he graduated high school. BTW - the yearly contribution of $5,500 has to come from EARNED Income... not just div, int, or cap gains. I setup a Vanguard Roth IRA for our son, all online, and used the Target 2050 fund. He's a college dude - but h...
by ps56k
Fri Mar 20, 2015 11:42 am
Forum: Investing - Theory, News & General
Topic: Is it time to give-up on TIPS?
Replies: 137
Views: 19241

Re: Is it time to give-up on TIPS?

just out of curiousity - to add to the coin toss of TIPS fund vs Bond funds -
what about something like The Permanent Portfolio fund - PRPFX - with it's various holdings including gold.
by ps56k
Thu Mar 19, 2015 4:50 pm
Forum: Investing - Theory, News & General
Topic: Is it time to give-up on TIPS?
Replies: 137
Views: 19241

Re: Is it time to give-up on TIPS?

Each year I wrestle with the same question.... what to leave alone vs consolidate - with regard to bonds as a safety net. For years I have held Vanguard TIPS (VIPSX) - for the ever looming interest rate increase... along with the Vanguard LT Bond (VWESX) - good times corp lending... and the Total Bo...
by ps56k
Thu Mar 19, 2015 2:34 pm
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 235
Views: 26567

Re: International increase in Target Retirement & LifeStrate

Let's see: the Target Retirement funds were introduced in late 2003, so they are less than twelve years old, and they've made changes --in 2003 when they launched the funds, --in 2006 when they goosed up the stock allocation, --when they goosed up the international stock allocation, --when they add...
by ps56k
Thu Mar 19, 2015 2:10 pm
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 235
Views: 26567

Re: Vanguard - changing Target Date Intl allocations

oops - sorry - hadn't seen the other threads in my random browsing back in February.....
Please follow along in the other posted thread....
https://www.bogleheads.org/forum/viewtopic.php?f=10&t=159493

Obviously paid more attention when the letter arrived today - March 19, 2015 -
by ps56k
Thu Mar 19, 2015 1:51 pm
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 235
Views: 26567

Vanguard - changing Target Date Intl allocations

[Thread moved into here, see below. --admin LadyGeek] Just received a letter announcing that the Vanguard Target Retirement Funds are increasing their allocation to the International markets for both the stock and bond portion of the fund portfolio. I have our son's Roth IRA in the Tartget 2050 fun...
by ps56k
Wed Mar 18, 2015 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: Help needed with Edward Jones and 401/403 accounts
Replies: 20
Views: 1683

Re: Help needed with Edward Jones and 401/403 accounts

Is there something special about the Fidelity funds tagged with the "Spartan" name ? https://fundresearch.fidelity.com/mutual-funds/summary/315911206 BTW - my wife has a 403b at Fidelity - and we selected the Puritan fund - https://fundresearch.fidelity.com/mutual-funds/summary/316345107?t...
by ps56k
Tue Mar 17, 2015 7:39 pm
Forum: Investing - Theory, News & General
Topic: Index Funds - Cap weighted vs Equal weighted
Replies: 5
Views: 533

Re: Index Funds - Cap weighted vs Equal weighted

Thanks for the comments and links.
Had not run across the concept previously..
by ps56k
Tue Mar 17, 2015 6:43 pm
Forum: Investing - Theory, News & General
Topic: Index Funds - Cap weighted vs Equal weighted
Replies: 5
Views: 533

Index Funds - Cap weighted vs Equal weighted

Happen to run across this article - and found it interesting.... considering how Index funds are setup by the stocks & benchmarks they are tracking - http://www.marketwatch.com/story/the-amazing-portfolio-that-costs-less-than-an-ipad-2015-03-12 We all know that, over the long term, most “activel...
by ps56k
Sat Mar 14, 2015 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: What does a $1M portfolio look like?
Replies: 64
Views: 12025

Re: What does a $1M portfolio look like?

Sounds like you are holding only large-cap blends. What do your international holdings show for top stocks? Month-end ten largest holdings as of 02/28/2015 - VGTSX - Rank Holdings 1 Nestle SA 2 Novartis AG 3 Royal Dutch Shell plc 4 Roche Holding AG 5 Toyota Motor Corp. 6 HSBC Holdings plc 7 BHP Bil...
by ps56k
Sat Mar 14, 2015 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: What does a $1M portfolio look like?
Replies: 64
Views: 12025

Re: What does a $1M portfolio look like?

A few years ago I was comparing my various mutual funds - which I thought were diversified - and started actually looking into their holdings - I just looked at the VG Balanced fund mentioned above... VBIAX https://personal.vanguard.com/us/funds/snapshot?FundId=0502&FundIntExt=INT It became appa...
by ps56k
Fri Mar 13, 2015 6:39 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Intl Stock - VGTSX - country percentages
Replies: 8
Views: 697

Re: Vanguard Intl Stock - VGTSX - country percentages

I will just make the tired and very obvious point ........ Was just curious - how the TISM compares to the Euro only VEURX fund, holdings, performance, etc https://personal.vanguard.com/us/funds/snapshot?FundId=0079&FundIntExt=INT Interesting... how I don't usually mentally put the UK into the ...
by ps56k
Fri Mar 13, 2015 5:58 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Intl Stock - VGTSX - country percentages
Replies: 8
Views: 697

Re: Vanguard Intl Stock - VGTSX - country percentages

so - if you are inclined to believe that the EU will be better with the QE1,
which VG funds - other than VGTSX -
would only target the Europe geo-region vs the entire Intl market... with it's weighted Japan & UK ?
by ps56k
Fri Mar 13, 2015 5:52 pm
Forum: Investing - Theory, News & General
Topic: American Funds beats the market 97% of the time?
Replies: 50
Views: 5804

Re: American Funds beats the market 97% of the time?

When actively managed funds pushed by brokers claim consistent outperformance relative to indexes it is wise to always assume two things......... Thanks for a great posting - just doing some random thread browsing. I had never thought of that simple statement & implied NON-comparison..... "...
by ps56k
Fri Mar 13, 2015 5:33 pm
Forum: Investing - Theory, News & General
Topic: How much international is too much?
Replies: 113
Views: 10341

Re: How much international is too much?

The result is that VWELX and VWINX have outperformed our tilted equity portfolio over the last 10 years. On a risk adjusted they have crushed us. I have VWINX - and have been adding - What do you mean... you got crushed ? Also have VGTSX - but have stayed away with all the turmoil in the EU. I just...

Go to advanced search