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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 11:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newly retired investment advice needed
Replies: 12
Views: 1063

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 5:24 pm
 
Forum: Investing - Theory, News & General
Topic: Is it time to give-up on TIPS?
Replies: 113
Views: 14075

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 3:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newly retired investment advice needed
Replies: 12
Views: 1063

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 2:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Share Secured Loan - why ?
Replies: 7
Views: 422

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 12:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Share Secured Loan - why ?
Replies: 7
Views: 422

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
Tue Mar 31, 2015 11:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Share Secured Loan - why ?
Replies: 7
Views: 422

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
Mon Mar 30, 2015 10:29 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 280
Views: 21481

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 11:49 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 280
Views: 21481

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 11:27 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 280
Views: 21481

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
Sat Mar 28, 2015 7:38 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 280
Views: 21481

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 3:45 pm
 
Forum: Investing - Theory, News & General
Topic: Long-term performance of value vs cap-weighted index
Replies: 9
Views: 631

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 3:39 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 280
Views: 21481

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 2:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: VXUS [Should I buy Vanguard Total Int'l Index, Total Bond?]
Replies: 13
Views: 1273

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 1:41 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 280
Views: 21481

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 1:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond Fund or Guaranteed 3%
Replies: 18
Views: 1394

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 1:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: VXUS [Should I buy Vanguard Total Int'l Index, Total Bond?]
Replies: 13
Views: 1273

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 12:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Setting up Roth for clueless sibling
Replies: 25
Views: 1179

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
Fri Mar 20, 2015 11:42 am
 
Forum: Investing - Theory, News & General
Topic: Is it time to give-up on TIPS?
Replies: 113
Views: 14075

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 4:50 pm
 
Forum: Investing - Theory, News & General
Topic: Is it time to give-up on TIPS?
Replies: 113
Views: 14075

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 2:34 pm
 
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 230
Views: 18733

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 2:10 pm
 
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 230
Views: 18733

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
Thu Mar 19, 2015 1:51 pm
 
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 230
Views: 18733

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
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: 1517

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 7:39 pm
 
Forum: Investing - Theory, News & General
Topic: Index Funds - Cap weighted vs Equal weighted
Replies: 5
Views: 441

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
Tue Mar 17, 2015 6:43 pm
 
Forum: Investing - Theory, News & General
Topic: Index Funds - Cap weighted vs Equal weighted
Replies: 5
Views: 441

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 4:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: What does a $1M portfolio look like?
Replies: 64
Views: 9961

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
Sat Mar 14, 2015 3:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: What does a $1M portfolio look like?
Replies: 64
Views: 9961

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 6:39 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Intl Stock - VGTSX - country percentages
Replies: 8
Views: 591

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 5:58 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Intl Stock - VGTSX - country percentages
Replies: 8
Views: 591

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 5:52 pm
 
Forum: Investing - Theory, News & General
Topic: American Funds beats the market 97% of the time?
Replies: 50
Views: 5240

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...
by ps56k
Fri Mar 13, 2015 5:33 pm
 
Forum: Investing - Theory, News & General
Topic: How much international is too much?
Replies: 113
Views: 9152

Vanguard Intl Stock - VGTSX - country percentages

Was just looking at our Vanguard Intl Stock - VGTSX - https://personal.vanguard.com/us/funds/snapshot?FundId=0113&FundIntExt=INT#tab=2 and was wondering, why it is so heavy into Japan and the UK ? Country diversification (% of common stock) as of 01/31/2015 Total Intl Stock Ix Inv Japan 16.3% UK...
by ps56k
Fri Mar 13, 2015 4:56 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Intl Stock - VGTSX - country percentages
Replies: 8
Views: 591

Re: Cap Gains & Divs killed me this year

well, you mentioned selling a few AAPL shares. Selling even a few would be a big capital gain if they were held for a long time. YUP - I'm caught... bought Apple back in the early days - along with Cisco, Starbucks, Oracle, Qualcomm, and a few others. No easy way out - Was just looking at our 1040 ...
by ps56k
Fri Mar 13, 2015 3:49 pm
 
Forum: Investing - Theory, News & General
Topic: Cap Gains & Divs killed me this year
Replies: 65
Views: 7223

Medicare - already covered but turning 65 ?

Out with some dinner friends... One of the "senior" wives - who is turning 65 - (we run the age range from 50 to her 65) was saying that you MUST signup for Medicare Part A - even if you are covered. We are all covered by our school employee district health plan, and everything I've read s...
by ps56k
Wed Mar 11, 2015 4:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare - already covered but turning 65 ?
Replies: 11
Views: 1087

Options Trading - very simple intro book wanted

Some dinner friends have been in and out of Options Trading - usually IN when it works for them, and OUT when the lose their allowance... I've never been interested in this type of gambling - but at least want to understand the language, and how it works. For some reason - can't get my head around.....
by ps56k
Wed Mar 11, 2015 4:45 pm
 
Forum: Investing - Theory, News & General
Topic: Options Trading - very simple intro book wanted
Replies: 15
Views: 1297

Re: Safety net - VBMFX, PRPFX, VIPSX, VWINX, or Pimco

You need to decide what constitutes a "safety net", but in my personal opinion it's clear: all of the bond funds belong in one category, Permanent Portfolio and Wellesley belong in another. It's my opinion that any intermediate-term, high-grade bond fund will do the job of a "safety ...
by ps56k
Wed Mar 04, 2015 11:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Safety net - VBMFX, PRPFX, VIPSX, VWINX, or Pimco
Replies: 13
Views: 2427

Fiduciary duty - pending legislation

Jsut wondering about the pending legislation concerning the Fiduciary Duty of a "planner" - (who also happens to sell different types of funds) and if it comes to pass - how it will effect existing accounts and that kind of discussion.... ...."are these existing funds you have placed ...
by ps56k
Mon Mar 02, 2015 8:02 pm
 
Forum: Investing - Theory, News & General
Topic: Fiduciary duty - pending legislation
Replies: 7
Views: 823

Re: Questions to ask a living trust attorney during initial

thanks again everyone who responded to this thread. I had my first meeting with one of the attorneys today. I told the attorney to assume that I do not know anything and explain me about will, trust, etc. She took an entire hour explaining me a lot of things, including the difference between trust ...
by ps56k
Mon Mar 02, 2015 4:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Questions to ask a living trust attorney during initial meet
Replies: 26
Views: 2187

Re: tax dependent vs $3950 vs income

jebmke wrote:AOC can be refundable but not Lifetime Learning.

Not sure I know what you mean ?
by ps56k
Sat Feb 28, 2015 2:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: tax dependent vs $3950 vs income
Replies: 18
Views: 1190

Re: tax dependent vs $3950 vs income

...will be submitting his own tax return getting his own dependent deduction and standard deduction. Does he have any "dependents" or did you just mean... he's on his own, and gets the 1 excemption/deduction ? Just played with our TTax - pretty basic for him - $11,200 income from working ...
by ps56k
Sat Feb 28, 2015 1:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: tax dependent vs $3950 vs income
Replies: 18
Views: 1190

Re: Questions to ask a living trust attorney during initial

I was pointed to this thread from another discusssion I posted about some basic 101 estate planning. In reading thru this - there are lots of valid discussion points. In our case, I guess I'm looking for some starting questions that are even more basic - like not which type of screwdriver to use - b...
by ps56k
Sat Feb 28, 2015 10:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Questions to ask a living trust attorney during initial meet
Replies: 26
Views: 2187

Re: grad student - taxes on W-2

I was a graduate student for several years, earning a stipend plus a tuition scholarship. Students are exempt from FICA taxes (social security and Medicare). http://www.irs.gov/Charities-&-Non-Profits/Student-Exception-to-FICA-Tax Just to close the loop on this... He went and chatted with the P...
by ps56k
Fri Feb 27, 2015 7:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: grad student - taxes on W-2
Replies: 10
Views: 717

Re: tax dependent vs $3950 vs income

well.... since it appears our 24yr old son no longer gets checkmarked on our 1040 as our "dependent",
it will be interesting to see what pops up over on his 1040
when I un-check that he can be claimed by another taxpayer..
by ps56k
Fri Feb 27, 2015 7:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: tax dependent vs $3950 vs income
Replies: 18
Views: 1190

Re: Estate Planning 101 - how, when, where, etc

Or do multiple quotes. If your click the QUOTE button, you'll see that ALL the text is surrounded by some simple [xxx] tags... It's that simple - whatever is contained in the simple [xxx] and [/xxx] tags appears as the quote. Bold and other editing items are handled the same way.... it's like basic...
by ps56k
Fri Feb 27, 2015 7:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Estate Planning 101 - how, when, where, etc
Replies: 13
Views: 1141

Re: Estate Planning 101 - how, when, where, etc

post by Carefreeap » Fri Feb 27, 2015 6:37 pm

BTW - you don't really need to click on the QUOTE
unless you are referencing something specific from a previous posting.
Just eats up screen space :)
by ps56k
Fri Feb 27, 2015 7:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Estate Planning 101 - how, when, where, etc
Replies: 13
Views: 1141

Re: Estate Planning 101 - how, when, where, etc

well - my first "basic" step was to check all the bene's listed on all our accounts... Life Insurance --> wife Chase checking accts - none Ally CDs - none Fidelity IRA - each acct points bene to spouse Fidelity 403b - spouse Fidelity mutual funds - none Schwab brokerage stocks - none TRowe...
by ps56k
Fri Feb 27, 2015 6:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Estate Planning 101 - how, when, where, etc
Replies: 13
Views: 1141

Estate Planning 101 - how, when, where, etc

In the last couple of years, we have had to deal with my wife's parents passing, and handle all the loose ends financially. I seem to recall trying to get her mom's estate under some number.... to avoid more taxes. All the siblings received 2 payouts - one from life insurance (no taxes), and one for...
by ps56k
Wed Feb 25, 2015 6:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Estate Planning 101 - how, when, where, etc
Replies: 13
Views: 1141

Roth IRA vs 403(b) Plan

Our son is a grad student - and last year I setup a Vanguard Roth IRA for him.... and funded it :moneybag His univ also has a 403b plan avail, non-matching - but he hasn't setup anything as yet. So, was wondering, if you only have limited cash resources, which deferred account would you contribute t...
by ps56k
Tue Feb 17, 2015 6:24 pm
 
Forum: Investing - Theory, News & General
Topic: Roth IRA vs 403(b) Plan
Replies: 2
Views: 244

Re: Cap Gains & Divs killed me this year

cheese_breath wrote:Not sure if we are supposed to feel sorry for you because your taxes are increasing,
or happy because your wealth is increasing. :confused

Me too -
by ps56k
Tue Feb 17, 2015 3:33 pm
 
Forum: Investing - Theory, News & General
Topic: Cap Gains & Divs killed me this year
Replies: 65
Views: 7223

Cap Gains & Divs killed me this year

As the market gets stronger - my taxable portfolio of Vanguard mutual funds are killing me in Cap Gains, Divs, etc... like my Vanguard Windsor, along with my selling of stocks over in my Schwab account - like selling a few shares of Apple. Since my Vanguard, TRowe, and Fidelity mutual fund accounts ...
by ps56k
Tue Feb 17, 2015 3:26 pm
 
Forum: Investing - Theory, News & General
Topic: Cap Gains & Divs killed me this year
Replies: 65
Views: 7223
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