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by sometimesinvestor
Fri May 22, 2015 8:18 pm
Forum: Investing - Help with Personal Investments
Topic: New to site - Please comment and advise on my portfolio
Replies: 14
Views: 1218

Re: New to site - Please comment and advise on my portfolio

To me the obvious question is what is the interest rate on the stable value fund.The expense ratio for such funds is usually less important.If the stable value rate is 3% or more I would consider putting a big fraction of my bond allocation in that fund. I believe the current stable value fund is a...
by sometimesinvestor
Fri May 22, 2015 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review –New to site and I want your thoughts!
Replies: 9
Views: 697

Re: Portfolio Review –New to site and I want your thoughts!

My initial question is what are the expense rations of the target retirement funds available in each of your 401k and IRA accounts.? In the good news case where they are low<.30 and hence appropriate for investment The reason I ask is that changing funds in a tax sheltered account has no tax consequ...
by sometimesinvestor
Wed May 20, 2015 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Managed Payout Fund
Replies: 16
Views: 1765

Re: Vanguard Managed Payout Fund

The record for these types of funds (several fund families have them) is poor You may have heard that past performance does not guarantee future performance but generally below average funds do continue to be below average
by sometimesinvestor
Wed May 20, 2015 12:43 pm
Forum: Investing - Theory, News & General
Topic: The Benefits of Active Management for Investors
Replies: 17
Views: 1487

Re: The Benefits of Active Management for Investors

Many authorities advocate international investments at this time.Whether they prove to be correct for a longish period of time> 1 year remains to be seen. In 2008 the indexes outperformed active management as a whole though the gap was narrower than usual in part because almost active mangers keep a...
by sometimesinvestor
Wed May 20, 2015 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: Any of these worth keeping?
Replies: 9
Views: 910

Re: Any of these worth keeping?

Is there an "international muni" version ("sovereign bonds"?)? I'd wager that there are, but I seriously doubt they would be free of US tax. US muni's are only tax free because the federal government wants to encourage people to invest in local governments. In theory, they could...
by sometimesinvestor
Tue May 19, 2015 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: Should I sell my company's stock and exchange it for an SP500 index fund?
Replies: 60
Views: 3450

Re: Should I sell my company's stock and exchange it for an SP500 index fund?

Agree with most of the comments especially those of Tyrion. If you think the company is wonderful and the stock promising sell 10% each year for the next three years. I think the 20% left might still be too high but you may know more about the company merit. 50% is just too imprudent. Even great com...
by sometimesinvestor
Sun May 17, 2015 12:00 pm
Forum: Investing - Theory, News & General
Topic: criteria for picking an active fund
Replies: 22
Views: 1457

criteria for picking an active fund

https://pyramis.fidelity.com/app/p/proxy?pipe=sharepointPipe&getDoc=Insights/US-Large-Cap-Equity-Can-Simple-Filters-Help-Investors_pyramis_leadership_series.pdf The article which might/would t be considered as self serving(study is funded by Fidelity)suggests that using two criteria to filter fu...
by sometimesinvestor
Sat May 16, 2015 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Forbes article by Wade Pfau: Improving Retirement Outcomes with Investments, Life Insurance, and Income Annuities
Replies: 41
Views: 3303

Re: Forbes article by Wade Pfau: Improving Retirement Outcomes with Investments, Life Insurance, and Income Annuities

I read the article though not the paper but taken as a whole these two sentences do not make sense to me . Perhaps the paper explains they can invest $14,281 per year in their 401(k) if they choose term life insurance, and they can invest $9,000 per year in their 401(k) if they choose whole life ins...
by sometimesinvestor
Sun May 10, 2015 2:22 pm
Forum: Investing - Theory, News & General
Topic: Best Time of Year to Rebalance Portfolio?
Replies: 54
Views: 4025

Re: Best Time of Year to Rebalance Portfolio?

To me a key factor is whether you have large investments in taxable accounts. Since the last few years are associated with good strong markets you probably have few tax loses to take, In this case minimize your taxable income by rebalancing in December by reinvesting stock distributions in bond fund...
by sometimesinvestor
Sat May 09, 2015 12:44 pm
Forum: Investing - Theory, News & General
Topic: Vanguard v. Fidelity
Replies: 26
Views: 2259

Re: Vanguard v. Fidelity

Agree with retiredjg. Keep at least some money in the G fund (treat it as if it were a bond investment for asset allocation purchases..
by sometimesinvestor
Sat May 09, 2015 10:53 am
Forum: Investing - Help with Personal Investments
Topic: Question re high yield muni fund HYMB
Replies: 4
Views: 432

Re: Question re high yield muni fund HYMB

To some extent corporate and muni bonds in a given etf are overpriced because of the demand to put these bonds into the ETF. I think this is an area where you are better off with a low expense open end fund .
by sometimesinvestor
Mon May 04, 2015 10:32 am
Forum: Investing - Help with Personal Investments
Topic: Looking for investment input (mid-40's, dual high income)
Replies: 21
Views: 2381

Re: Looking for 401k investment suggestions

While I don't love apple stock as an investment it currently pays a dividend of over 1.55 which is better than most bank accounts If there are any charity organizations to which you donate at least $1000 per year and you itemize I would contact them about donating perhaps some 10 shares each year. T...
by sometimesinvestor
Sun May 03, 2015 12:25 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 197
Views: 8553

Re: Forum software upgrade bug reports and change requests

appreciate the efforts. Today the site took a long time to load as did getting/loading to other articles by clicking on links. Is it a lot of people on site (Its sunday) or some bigger problem?
by sometimesinvestor
Sat May 02, 2015 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Estate Planning - what details does the attorney need?
Replies: 13
Views: 1409

Re: Estate Planning - what details does the attorney need?

The executor needs to know but not the lawyer. At some point you need to prepare a "in the event of my death "document including accounts pass words etc. but that does not seem needed at the time of your will writing .Still knowing the size of the estate and the nature of the assets (do yo...
by sometimesinvestor
Sat May 02, 2015 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Deciding on an Executor
Replies: 9
Views: 691

Re: Deciding on an Executor

I agree with Nisiprius about geography .Being an executor is a lot of work and it maybe that one or both are not so interested.A discussion is probably worthwhile
by sometimesinvestor
Sat May 02, 2015 8:04 pm
Forum: Investing - Theory, News & General
Topic: Annuities: Bad in principle or practice?
Replies: 75
Views: 4182

Re: Annuities: Bad in principle or practice?

quote="555"]Could you please explain your reasoning and calculation a bit more? At current interest immediate fixed annuities are primarily insurance against living to long. For example I read that at age 70 you can get $2000 permonth (with nothing to your heirs if you die for $314,000. Cl...
by sometimesinvestor
Fri May 01, 2015 9:10 pm
Forum: Investing - Theory, News & General
Topic: Annuities: Bad in principle or practice?
Replies: 75
Views: 4182

Re: Annuities: Bad in principle or practice?

At current interest immediate fixed annuities are primarily insurance against living to long. For example I read that at age 70 you can get $2000 permonth (with nothing to your heirs if you die for $314,000. Clearly that has zero value unless you live 16+ years which is slightly more than median lif...
by sometimesinvestor
Sat Apr 25, 2015 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Help with VAL policy, UTMA accounts, and EE/E Savings Bonds
Replies: 10
Views: 872

Re: Input requested on unwinding accounts my parents opened

you can reregister the utma accounts to your own name which will not be a taxable event .However most here would suggest moving those funds to a vanguard index funds.It may be that the most sensible strategy is to sell them overa two oAs to the insurance policy again the best approach might be a 103...
by sometimesinvestor
Sat Apr 25, 2015 6:40 pm
Forum: Investing - Help with Personal Investments
Topic: When to sell a mutual fund? [Also, when to buy?]
Replies: 15
Views: 1065

Re: When to sell a mutual fund?

The following advice could well be wrong but may help you think about the relevant issues.The peak demands on health care will occur in the mid to late 2020s ..After that baby boomers start to die in larger numbers and demand may be less.The market is aware of this fact and tries to outguess the fut...
by sometimesinvestor
Sat Apr 25, 2015 6:07 pm
Forum: Investing - Help with Personal Investments
Topic: New to site - Please comment and advise on my portfolio
Replies: 14
Views: 1218

Re: New to site - Please comment and advise on my portfolio

To me the obvious question is what is the interest rate on the stable value fund.The expense ratio for such funds is usually less important.If the stable value rate is 3% or more I would consider putting a big fraction of my bond allocation in that fund.
by sometimesinvestor
Wed Apr 22, 2015 7:49 am
Forum: Investing - Help with Personal Investments
Topic: 26 year old asking advise on the next steps to take
Replies: 15
Views: 1240

Re: 26 year old asking advise on the next steps to take

One more fora portion (perhaps 10% in the G fund) It could also serve asa source of investing funds if in the future the market goes down say 20% which it surely will though no one ,even me , knows when,
by sometimesinvestor
Sun Apr 12, 2015 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: Best investment in a Taxable Account ?
Replies: 11
Views: 1324

Re: Best investment in a Taxable Account ?

Agree with the international fund but assuming this is your only international fund in taxable do not invest more than $160k if filing joint or 80k if filing single .. The reason is to keep your foreign tax credit less than $300 single or $600 joint. If you go over that figure you will have to use I...
by sometimesinvestor
Thu Apr 09, 2015 9:27 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help for 25 y/o please and thanks
Replies: 4
Views: 418

Re: Portfolio Help for 25 y/o please and thanks

II will join the crowd that says that in a 25% bracket a Roth is best. However are you really in the 25% bracket (Federal)? You indicate you live in NY. If that's NYC you probably pay another 7-9% in city and state taxes and if its some other location in NY you probably pay around 4-6% This suggests...
by sometimesinvestor
Tue Mar 31, 2015 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: not able to purchase savings bond with tax refund by efile
Replies: 2
Views: 505

Re: not able to purchase savings bond with tax refund by efi

This year I owed money because of large capital gains distributions but last year I used taxcut (Its now called H+R Block at home and had no problem getting e-bonds.Suggest you go to the H+R block web site ,find their phone number and call. I have found their staff very helpful
by sometimesinvestor
Tue Mar 31, 2015 9:19 pm
Forum: Investing - Help with Personal Investments
Topic: 401k after retired
Replies: 16
Views: 2113

Re: 401k after retired

what you might wish to do between now and age 70.5 is to covert a portion of your 401k to a Roth IRA each year. (perhaps 10-20k) each year .Your tax bracket should influence the precise size of the conversion.That will give you more flexibility at a point when you might need the money
by sometimesinvestor
Tue Mar 10, 2015 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: form 1116 to comput alt min foreign tax credit
Replies: 1
Views: 175

form 1116 to comput alt min foreign tax credit

After I finally learned how to fill out form 1116. This year my tax program (H=R block) says I have to fill out the form twice(once for alt min)(I owe about 3k in that tax I just have mutual fund credits)) I am struggling with the instructions and searching online has not come up with worked example...
by sometimesinvestor
Fri Mar 06, 2015 8:11 pm
Forum: Investing - Help with Personal Investments
Topic: What does a $1M portfolio look like?
Replies: 64
Views: 11136

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

There are a very small number of persons with a 1 million dollar tax sheltered portfolio that's not a Keogh. Therefore a million dollar portfolio is likely to include taxable funds . I can imagine a 6 fund portfolio (2 total stock(one tax sheltered 1 not) , total bond , muni fund and/or perhaps a st...
by sometimesinvestor
Thu Mar 05, 2015 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Inheritance question
Replies: 7
Views: 561

Re: Inheritance question

just make sure the value of the cars is as indicated(bluebook , appraisal etc)
by sometimesinvestor
Mon Mar 02, 2015 2:49 pm
Forum: Investing - Help with Personal Investments
Topic: What's best investment option? Mutual fund or Property
Replies: 5
Views: 772

Re: What's best investment option? Mutual fund or Property

No one knows which investment will work out better . We can say that the recent returns of 20% in the Pakistan stock market may continue but they are not guaranteed. As always diversification is recommended. Are their any loans on this house or do you own it outright? Is there insurance? That questi...
by sometimesinvestor
Fri Feb 27, 2015 10:27 pm
Forum: Investing - Theory, News & General
Topic: Not "Staying the Course"
Replies: 40
Views: 5086

Re: Not "Staying the Course"

probably once a decade its pretty obvious to change ones asset allocation. Two examples: In 1981 it was probably clear to buy bonds because the interest rate was higher than the long term return of the stock market. Less clear but reasonable was to sharply reduce ones allocation to stocks in 2000 be...
by sometimesinvestor
Sun Feb 22, 2015 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: How much has Bogleheads contributed to your net worth?
Replies: 58
Views: 4548

Re: How much has Bogleheads contributed to your net worth?

I started with this site sometime in early 09. I used to not worry about asset allocation and was usually 90% stocks 10% money market Clearly in that period to date diversification has hurt and all equities better.
by sometimesinvestor
Sun Feb 22, 2015 12:13 pm
Forum: Investing - Theory, News & General
Topic: a study of rebalancing
Replies: 6
Views: 632

a study of rebalancing

like most things the years you do it matter.

http://blog.thinknewfound.com/questioni ... add-value/
by sometimesinvestor
Tue Feb 17, 2015 2:15 pm
Forum: Investing - Theory, News & General
Topic: active vs passive in response to Larry Swedroe posting
Replies: 30
Views: 3632

Re: active vs passive in response to Larry Swedroe posting

" But in the worst storms of bear markets, active management might save you and the long term performance will be somewhat similar anyway so its better to gamble with the active option (even with their higher fees) as long as they have the kind of track record and skill of Tweedy Brown." ...
by sometimesinvestor
Tue Feb 17, 2015 1:43 pm
Forum: Investing - Help with Personal Investments
Topic: just starting my roth IRA: which funds to choose?
Replies: 12
Views: 893

Re: just starting my roth IRA: which funds to choose?

Sorry if I confuse but here is different advice. Keep the money in the money market fund but dollar cost average(see the wiki if needed) into Vanguard Star . The first investment is only a $!000 and you can later make much smaller investments(I read the website as a $1 minimum but I may be wrong and...
by sometimesinvestor
Tue Feb 17, 2015 12:57 pm
Forum: Investing - Help with Personal Investments
Topic: Stupid question from a bond fund neophyte
Replies: 14
Views: 1114

Re: Stupid question from a bond fund neophyte

Not adding too much to the discussion but in case it clarifies there is a two line poem reflecting most of the comments

" If this you know then you know all
When rates do rise then prices fall"
by sometimesinvestor
Thu Feb 12, 2015 9:27 am
Forum: Investing - Help with Personal Investments
Topic: What to do with 8k in a Roth?
Replies: 7
Views: 929

Re: What to do with 8k in a Roth?

Don't know how frequently you plan to trade(2 or 3 trades a year or 30-40 may make a difference in the kind of account where you should trade. If your trades are mostly successful a Roth might be best but I think you should consider doing this in a taxable account so the IRS will compensate you to s...
by sometimesinvestor
Thu Feb 12, 2015 9:14 am
Forum: Investing - Help with Personal Investments
Topic: Overweight cash?
Replies: 13
Views: 1971

Re: Overweight cash?

google "risk tolerance quiz". You will find a large number and they are all short and take less than 5 minutes. They ask questions like age, when do you plan to retire, are you comfortable investing in stocks . ,if your investments fall in value would you sell etc. Once you answer the quiz...
by sometimesinvestor
Mon Feb 09, 2015 11:59 am
Forum: Investing - Help with Personal Investments
Topic: Investing help for my grandfather
Replies: 8
Views: 492

Re: Investing help for my grandfather

the xle ,E energy etf yields about 2.5%.This may be a case when a less diversified alternative XOM (exxon) hasa higher yield and less downside risk.. Your grandfather might be wrong or might be right about energy prospects but his thesis is not so silly that you discourage an investment if it is no ...
by sometimesinvestor
Thu Jan 29, 2015 10:53 am
Forum: Investing - Help with Personal Investments
Topic: College Saving Options for NJ Resident
Replies: 5
Views: 372

Re: College Saving Options for NJ Resident

Given that your income is over 300k you probably like your jobs and plan to keep them . Still it is certainly more likely that you will take a job in NY than a job in Utah. Thus a minor advantage of the NY plan in addition to lower fees is the larger possibility of getting a state tax deduction in t...
by sometimesinvestor
Tue Jan 27, 2015 9:37 pm
Forum: Investing - Help with Personal Investments
Topic: 457 Investment Choices
Replies: 7
Views: 778

Re: 457 Investment Choices

Decide on an asset allocation for this account. Than buy some TRP Capital Appreciation(a fund with a terrific record http://money.usnews.com/funds/mutual-funds/moderate-allocation/t.-rowe-price-capital-appreciation-fund/prwcx an expense ratio of .71 and more importantly an excellent objective and ap...
by sometimesinvestor
Tue Jan 27, 2015 9:23 pm
Forum: Personal Consumer Issues
Topic: Dealing with pressure for "social donations" at work
Replies: 181
Views: 17091

Re: Dealing with pressure for "social donations" at work

If you earn enough to be asked think of it as the cost of doing business and pay. Silly to burn bridges before you have a clearer picture of how things work in this organization/
The situation does seem very strange
by sometimesinvestor
Mon Dec 29, 2014 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Engaged - marriage penalty & other practical concerns
Replies: 50
Views: 4272

Re: Engaged - marriage penalty & other practical concerns

My calculations using a total of $500k split 200 and 300 were also slightly more than 10k penalty .Looking at all the arguments outside of romance and the fact that marriage does increase the chance you will stay together it seems that you can wait for pregnancy but that changes the equation to enco...
by sometimesinvestor
Mon Dec 29, 2014 2:34 pm
Forum: Investing - Theory, News & General
Topic: Giving a stock as a gift
Replies: 17
Views: 1377

Re: Giving a stock as a gift

I disagree with previous posters and believe Disney is exactly the right stock . Just make sure you can get a stock certificate and consider framing it in a frame that is easy to remove. i believe the current certificate has Disney characters on it and certainly annual reports will have picture of i...
by sometimesinvestor
Mon Dec 29, 2014 2:22 pm
Forum: Investing - Help with Personal Investments
Topic: mom was Wells Fargo Stable Value Option in 401k
Replies: 2
Views: 383

Re: mom was Wells Fargo Stable Value Option in 401k

Yes you need to contact the plan. For a stable value fund the most important number is the yield not the expense ratio. Other important information is credit strength of the backers/creators of the fund though a Wells Fargo fund probably will be fine on that count.Its best, i think to think of a sta...
by sometimesinvestor
Mon Dec 29, 2014 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: Best Investments for a Roth
Replies: 16
Views: 1674

Re: Best Investments for a Roth

Assuming municipal bonds are not appropriate in your taxable account I would put $5000 in a Roth entirely in a bond fund and the rest in the 2035 fund which is currently about 83% stocks and 17% bonds . This will give you your 80-20.. If municipals are appropriate I would use some proportion of Vang...
by sometimesinvestor
Mon Dec 15, 2014 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Master degree in Math
Replies: 50
Views: 4861

Re: Master degree in Math

I think taking calc 1,2,3 and statistics will be of value to your employer if you stop there. However Calc 1,2, 3 are so different fro advanced math that success in the former does not imply success in the latter.Most math grad students will have taken at least 6 or 7 courses in math . I can see you...
by sometimesinvestor
Sun Dec 14, 2014 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: How do you factor entitlements into your investing plan?
Replies: 52
Views: 5140

Re: How do you factor entitlements into your investing plan?

Just my opinion but unless you earn a lot of money saving/investing under the assumption that even .75 social security won't be available and medicare won't be you will have to save/invest such an incredible proportion of your income that you will seriously affect the lifestyle you have.Isn't it bet...
by sometimesinvestor
Sun Dec 14, 2014 1:56 pm
Forum: Investing - Theory, News & General
Topic: in the past there was a period when active outperformed
Replies: 30
Views: 1669

in the past there was a period when active outperformed

From an article on the Barron's website: "From 1962 through 1981, the median actively managed fund returned nearly 70 percentage points more than the S&P 500 over those 20 years. Unfortunately, the good times didn’t last: From June 1983 to June 2014, the median fund underperformed the marke...
by sometimesinvestor
Fri Dec 05, 2014 10:32 pm
Forum: Investing - Theory, News & General
Topic: Hypothetical - Mutual Funds Don't Exist
Replies: 26
Views: 2068

Re: Hypothetical - Mutual Funds Don't Exist

I would invest in 20-26 or so large cap stocks ,.Basically at least two in each sector and after that was done perhaps overweight a sector (health care for the next 5 years than who knows. Can't consider investing in smallcaps or international because of lack of time. If it isn't covered by valuelin...
by sometimesinvestor
Mon Dec 01, 2014 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity's retirement savings guideline-Only need 8x salary?
Replies: 45
Views: 5306

Re: Fidelity's retirement savings guideline-Only need 8x sal

Agree with Meg .Fidelity is trying for the best result possible not the best possible result (Bogelhead 12-15 times salary/ Anyone who meets Fidelity's targets will be able to lead a comfortable but not lavish retirement. I think there has been an overestimate on spending targets in this thread.If y...

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