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inherited non-spouse ira

have been taking from mother's ira for 10 years. when taking have always taken at least the rmd amount. IF a person took less than the rmd amount, there is a 50% penalty. is that penalty on the entire rmd amount even though some was taken out, or just on the amount not taken out?
by williamg
Tue Jan 28, 2014 1:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: inherited non-spouse ira
Replies: 4
Views: 287

Re: Taylor Larimore requesting your comments[Morningstar thr

I recently read your reply on the Bogleheads Forum to thread identified as " Move to short term bond fund" dated 12-20-13 ...post 3498905. Your quote : Taxable bonds normally belong in tax-advantaged accounts. I'm a 76 yr.old retirre and have recently been in contact with a Vanguard CFP r...
by williamg
Thu Dec 26, 2013 11:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Taylor Larimore requesting your comments[Morningstar thread]
Replies: 26
Views: 4907

Re: What do these stand for LG, LV, SG, SV EM, RE

large growth
large value
small growth
small value
emerging markets
real estate
by williamg
Sun Nov 03, 2013 5:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: What do these stand for LG, LV, SG, SV EM, RE
Replies: 7
Views: 544

Re: Is there a low cost 50/50 fund?

Levett wrote:Meanwhile, let us return to the OP's original question.

Yes. There is a low-cost Vanguard 50/50 fund (ok, 51.6/48.4) called Life Strategy Conservative Growth. It's well diversified and has an inexpensive ER of 0.15.

Lev


Isn't this fund 40/60?
by williamg
Wed Sep 25, 2013 11:12 am
 
Forum: Investing - Theory, News & General
Topic: Is there a low cost 50/50 fund?
Replies: 38
Views: 2659

Re: Roth IRA conversion - confused on taxing

Contingent on holding periods and age, you are only taxed on contributions that were not taxed when you made them. All other contributions and gains, both capital and dividend/interest, are not taxable.
by williamg
Sun Aug 25, 2013 7:38 pm
 
Forum: Investing - Theory, News & General
Topic: Roth IRA conversion - confused on taxing
Replies: 16
Views: 990

Re: Hacked account [Can this happen at Vanguard?]

Yep, they were banks in the Middle East and are behind in fraud detection technology. Money was loaded onto pre-paid debit cards. The banks lost money from funds set aside to cover pre-paid debit cards -- not depositor accounts. The bad guys were caught (or killed). Here's a longer description of w...
by williamg
Sat May 11, 2013 4:19 pm
 
Forum: Investing - Theory, News & General
Topic: Hacked account [Can this happen at Vanguard?]
Replies: 11
Views: 1387

Re: Hacked account [Can this happen at Vanguard?]

I called to leave a message with my Flagship rep today and had a new representative. I have never had a representative changed without a mailing first. Found out that other customers with the same representative I had had also been changed to the new one today without a mailing also. Doesn't this s...
by williamg
Sat May 11, 2013 4:10 pm
 
Forum: Investing - Theory, News & General
Topic: Hacked account [Can this happen at Vanguard?]
Replies: 11
Views: 1387

Re: Hacked account [Can this happen at Vanguard?]

I called to leave a message with my Flagship rep today and had a new representative. I have never had a representative changed without a mailing first. Found out that other customers with the same representative I had had also been changed to the new one today without a mailing also. Doesn't this so...
by williamg
Sat May 11, 2013 3:54 pm
 
Forum: Investing - Theory, News & General
Topic: Hacked account [Can this happen at Vanguard?]
Replies: 11
Views: 1387

Re: Hacked account [Can this happen at Vanguard?]

WOULD REALLY LIKE A REPLY. WOULD ALSO LIKE THIS PUT ON INVESTING FORUM FOR MORE EXPOSURE.
by williamg
Sat May 11, 2013 3:34 pm
 
Forum: Investing - Theory, News & General
Topic: Hacked account [Can this happen at Vanguard?]
Replies: 11
Views: 1387

Hacked account [Can this happen at Vanguard?]

I was wondering if something like what happened with ATMs could be done at Vanguard. I checked with my Flagship rep today and a new guy was there without prior notice. Message previous to my leaving message was something that began with AUDIT. If they discovered being hacked wouldn't they shut every...
by williamg
Sat May 11, 2013 2:51 pm
 
Forum: Investing - Theory, News & General
Topic: Hacked account [Can this happen at Vanguard?]
Replies: 11
Views: 1387

Re: jointly owned inherited ira

Alan - thank you for your patience. One more question. Assuming each owner has beneficiaries assigned, can one share still be rolled over to another institution even though not in that first year after death of original owner?
by williamg
Sun Mar 24, 2013 5:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: jointly owned inherited ira
Replies: 12
Views: 1112

Re: jointly owned inherited ira

Alan, concerning the naming of beneficiaries after a split.
What happens if one co-beneficiary dies? Assume can go to his/her stated beneficiary which means having a way to split the account is necessary or does it usually revert to the surviving beneficiary?
by williamg
Sat Mar 23, 2013 1:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: jointly owned inherited ira
Replies: 12
Views: 1112

Re: jointly owned inherited ira

Thank you Alan.
Just curious about the actual splitting. Do you know how they split holdings to be fair to each beneficiary? Timing of sales and such would seem to be a factor in ensuring you could have two new accounts that at least started out as equal dollar wise.
by williamg
Fri Mar 22, 2013 11:31 am
 
Forum: Personal Finance (Not Investing)
Topic: jointly owned inherited ira
Replies: 12
Views: 1112

Re: jointly owned inherited ira

Thank you Alan. There will be no 8606's involved and the other owner is fine with RMD paced at older age.
ps - naming beneficiaries ASAP refers to the fact ira will go to estate if beneficiary(s) not named?
by williamg
Thu Mar 21, 2013 9:42 am
 
Forum: Personal Finance (Not Investing)
Topic: jointly owned inherited ira
Replies: 12
Views: 1112

jointly owned inherited ira

Would like help with withdrawal options for a jointly owned, non-spousal inherited ira. Was initially set up as jointly owned with MRDs sent equally to each of two beneficiaries. Can one of the beneficiaries now make a total withdrawal of their share while leaving the other share intact?
by williamg
Wed Mar 20, 2013 2:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: jointly owned inherited ira
Replies: 12
Views: 1112

Re: Simple RMD strategy dominates 4% SWR rule

Thanks for the feedback on RMD table entries.
Numbers is hard.
by williamg
Sun Oct 28, 2012 2:11 pm
 
Forum: Investing - Theory, News & General
Topic: Simple RMD strategy dominates 4% SWR rule
Replies: 65
Views: 4537

Re: Simple RMD strategy dominates 4% SWR rule

Any one know how the IRS comes up with the RMD table numbers? 27.4 is not the projected life expectancy of a 70 1/2 year old.
by williamg
Sun Oct 28, 2012 12:34 pm
 
Forum: Investing - Theory, News & General
Topic: Simple RMD strategy dominates 4% SWR rule
Replies: 65
Views: 4537

Re: Bogle: Most Difficult Investment Conditions I've Ever Se

Am I hearing this wrong or is Mr Bogle saying you should only take dividends and interest when in retirement? Vanguard has long recommended a total return approach to retirement income which includes dividends and interest plus periodic principal withdrawals.
by williamg
Wed Oct 24, 2012 10:21 am
 
Forum: Investing - Theory, News & General
Topic: Bogle: Most Difficult Investment Conditions I've Ever Seen
Replies: 53
Views: 7083

Re: Jack Bogle on CNBC

Question: if this is prediction of nominal returns over next ten years, is there an inflation prediction/assumption that accompanies it? ie., if zero inflation sign me up! if 10% then real return would be negative; big difference.
by williamg
Mon Oct 08, 2012 8:21 pm
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle on CNBC
Replies: 22
Views: 1990

Re: Scott Burns' Couch Potato Portfolios

As well as TIPS I believe most of the portfolios also have international bonds. I think this is new! Don't know when he changed the bond allocations.
by williamg
Mon Oct 08, 2012 7:05 pm
 
Forum: Investing - Theory, News & General
Topic: Scott Burns' Couch Potato Portfolios
Replies: 6
Views: 2106

Re: 2013 COLA for Social Security Beneficiaries

When is the 2013 number expected to be officially announced?
by williamg
Mon Oct 08, 2012 1:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2013 COLA for Social Security Beneficiaries
Replies: 14
Views: 4716

Re: Utilities as sub for fixed income, generate more YIELD

williamg First, IMO taking an income or cash flow approach to investing is wrong way to do it. Should be total return for a whole variety of reasons. So forget that part of the rationale for using utilities. Second, if going to own equities should own broad exposure to the asset class/sector and pa...
by williamg
Wed Oct 03, 2012 6:00 pm
 
Forum: Investing - Theory, News & General
Topic: Utilities as sub for fixed income, generate more YIELD
Replies: 35
Views: 2484

Re: Utilities as sub for fixed income, generate more YIELD

I have toyed with using part of stock allocation for utility stock. Agree that these stocks are not bonds, but they are a healthy dividend generating stock which can be very attractive to us retired folks who like to see some sort of income stream when the capital appreciation part of total return i...
by williamg
Wed Oct 03, 2012 5:13 pm
 
Forum: Investing - Theory, News & General
Topic: Utilities as sub for fixed income, generate more YIELD
Replies: 35
Views: 2484

Re: How Many Mutual Funds Do You Own?

Six:
Total International
Total Stock Market
Wellington
Wellesley
Short Term IG
Prime MM
by williamg
Sat Sep 22, 2012 1:15 pm
 
Forum: Investing - Theory, News & General
Topic: How Many Mutual Funds Do You Own?
Replies: 95
Views: 3394

Re: Dividend Growth vs. Appreciation

One fund is an index and the other is actively managed. The actively managed, Dividend Growth, is concentrated in 49 stocks vs. the index at 133. For actual dividend payment, Vanguard also has managed and indexed funds which yield around 1% more than these two right now. Equity Income and High Divid...
by williamg
Sat Sep 01, 2012 12:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dividend Growth vs. Appreciation
Replies: 12
Views: 1310

Re: Large Value tilt?

In our late 60's and large value tilt is the only tilting we still do. We evenly split half of portfolio between Wellington and Wellesley with the rest of equity in total market indices. This also allows a split in indexed and actively managed. I'm curious what you see as the benefit from tilting t...
by williamg
Sat Aug 25, 2012 12:34 pm
 
Forum: Investing - Theory, News & General
Topic: Large Value tilt?
Replies: 90
Views: 6477

Re: Large Value tilt?

In our late 60's and large value tilt is the only tilting we still do. We evenly split half of portfolio between Wellington and Wellesley with the rest of equity in total market indices. This also allows a split in indexed and actively managed.
by williamg
Sat Aug 25, 2012 10:27 am
 
Forum: Investing - Theory, News & General
Topic: Large Value tilt?
Replies: 90
Views: 6477

Re: We need a new forum just for retirement issues

I tend to use bogleheads.org in "view new posts" mode which commingles postings from all the various fora. So it matters not a whit to me. Given the number of posts which start out in the "wrong" forum to begin with, I'll vote "no" on adding this new forum, even though...
by williamg
Sun Aug 19, 2012 8:23 pm
 
Forum: Forum Issues and Administration
Topic: We need a new forum just for retirement issues
Replies: 115
Views: 9541

Re: Fixed Income/Bond Fund Selection

Ferri is talking about preferring corp bond mutual funds to corp bond ETFs.
by williamg
Mon Aug 13, 2012 4:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fixed Income/Bond Fund Selection
Replies: 10
Views: 935

Short TIPS Index Fund

What are the thoughts on this new fund? Could it work as part of a short term reserve allocation? Wish it didn't have the purchase fee.

https://personal.vanguard.com/us/insigh ... t-07242012
by williamg
Tue Jul 24, 2012 10:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Short TIPS Index Fund
Replies: 35
Views: 5358

Re: Bobs financial website

This does seem ominous. Hopefully he is ok. Had hoped someone knew him in real life off the web and could set us at ease.
by williamg
Sat Jul 21, 2012 4:13 pm
 
Forum: Personal Consumer Issues
Topic: Bobs financial website
Replies: 7
Views: 2580

Re: Bob's Financial Website - Move to new web host status up

Did anyone ever hear from Bob? Web site appears to have been deleted.
by williamg
Fri Jul 20, 2012 1:05 pm
 
Forum: Personal Consumer Issues
Topic: Bob's Financial Website - Move to new web host status update
Replies: 30
Views: 7394

Re: WSJ

reggiesimpson wrote:Just dropped my print subscription to weekend only. $52 pa.


Didn't realize they had this option. Does that turn out to be just the Saturday edition?
by williamg
Tue Jul 10, 2012 5:56 pm
 
Forum: Personal Consumer Issues
Topic: WSJ
Replies: 27
Views: 2632

Re: Question for the Retired

We retired March 1, 2000. Had an allocation of 65/35 and almost immediately went to 50/50. Pretty clever. In retrospect should have definitely been less stock as approaching retirement, and no we weren't clever, just very fortunate in the timing of my birthday. We really have not suffered with the m...
by williamg
Mon Jul 09, 2012 6:27 pm
 
Forum: Investing - Theory, News & General
Topic: Question for the Retired
Replies: 49
Views: 4782

Re: Bob's Financial Website - Move to new web host status up

Anyone aware of problems with Bob's site? Get an error message and notice he hasn't posted here in quite a while. Hope everything is ok.
by williamg
Tue Jul 03, 2012 2:49 pm
 
Forum: Personal Consumer Issues
Topic: Bob's Financial Website - Move to new web host status update
Replies: 30
Views: 7394

Re: Timing of Bond Fund Change

Doubt it matters much but we usually do it on monthend date because we update our spreadsheet NAVs then. Curious, what are you changing from?
by williamg
Mon Jun 25, 2012 12:29 pm
 
Forum: Investing - Theory, News & General
Topic: Timing of Bond Fund Change
Replies: 3
Views: 482

Re: Do you include I-Bonds in your AA?

Yes Think they can be considered cash (liquidity and principal preservation) or bonds. We currently consider ours bonds since they go back to the 3+% real rate era of 2000-01. I consider that an investment!
by williamg
Fri Mar 09, 2012 12:03 pm
 
Forum: Investing - Theory, News & General
Topic: Do you include I-Bonds in your AA?
Replies: 33
Views: 1761

Re: Building CD ladder @ Vanguard

We have one CD left on a Vanguard ladder, but have decided to stick with Short IG because of liquidity (we are retired). DM200 is correct on being aware of bank failure potential in these times. In retrospect we wouldn't have bought a couple of CDs if had checked them out at this site first. http://...
by williamg
Mon Jan 30, 2012 1:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Building CD ladder @ Vanguard
Replies: 6
Views: 1143

Re: Balanced Index Admiral or Wellington

If You had to choose between Balanced Index Admiral or Wellington which fund would be your choice,thoughts :D My portfolio consists of the following: 25% LifeStrategy Conservative Growth 25% LifeStrategy Moderate Growth 25% Wellelsely 25% Wellington So you can own indexes and active funds. Balanced...
by williamg
Wed Jan 18, 2012 1:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Balanced Index Admiral or Wellington
Replies: 27
Views: 2335

Re: What fund(s) do you have in your Roth IRA?

Total International
Total Stock Market
Wellington

Retired and have begun taking dividends from Roths.
by williamg
Fri Jan 13, 2012 9:35 pm
 
Forum: Investing - Theory, News & General
Topic: What fund(s) do you have in your Roth IRA?
Replies: 40
Views: 3632

Re: Sherlock - BBC series on Holmes set in 21st Century

How many episodes are in this second round?
by williamg
Tue Jan 10, 2012 11:39 am
 
Forum: Personal Consumer Issues
Topic: Sherlock - BBC series on Holmes set in 21st Century
Replies: 67
Views: 5253

Re: 2012 SOCIAL SECURITY

Anyone other than Chaz gotten theirs? We haven't received ours as yet.
by williamg
Fri Nov 25, 2011 6:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: 2012 social security
Replies: 31
Views: 3681

Findelglorin wrote:50/50

Then you have the best of both worlds. 8-)


Yep. You need to add this as an alternative.
by williamg
Sat Oct 01, 2011 8:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Wellington vs LifeStrategy Mod Growth
Replies: 5
Views: 1527

"..it's best to take Traditional IRA distributions only up to the top of the 15% tax bracket (27.75% marginal tax rate), and Roth distributions for anything more." Our approach. Just getting to where already taxed is running out and will need to withdraw more than 15% bracket tax deferred/...
by williamg
Thu Sep 15, 2011 9:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Take Roth distributions immediately in retirement, or wait?
Replies: 15
Views: 1762

Livesoft's point is good and it is also important how you are planning to use your Roth. We are retired and running low in our other already taxed monies. Instead of taking more from IRA and going into another tax bracket we plan to start taking from Roths now and take advantage of some of the tax b...
by williamg
Wed Sep 07, 2011 8:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: What Funds Do You Have in Your Roth?
Replies: 28
Views: 3243

Fast forward to 2011.

Have been paying $207.48/ year and do enjoy the Journal. Just got a letter that they plan to renew for $455/ year. Too big a jump for me. Anyone else getting sticker shock on a Journal renewal?
by williamg
Mon Sep 05, 2011 1:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Wall Street Journal -- $463.55 A Year!!!
Replies: 43
Views: 8415

I was recently changed also. New rep tried to reach me by phone but we couldn't link up. Probably wanted to share what Borofish's rep had to say. Haven't called rep very often but don't believe I've ever gotten them on the first call and usually just do business with whoever is at home!
by williamg
Mon Jul 11, 2011 1:33 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Flagship rep
Replies: 22
Views: 4717

I would forget the 401k and the HSA, live a frugal lifestyle, and put every penny you can toward paying off those debts. You will have plenty of time later to start building your investments. ditto. the negative "return" of these debts far outweighs what you can currently get positive fro...
by williamg
Sun Jul 10, 2011 8:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: In Significant Debt, Beginner Seeking Advice from the Best
Replies: 58
Views: 5000

I keep my so-called emergency fund in Vanguard GNMA and short-term bond funds. These funds are only kept in my IRAs, since I don't want to pay any taxes now on the dividends. Just curious; are you now taking IRA distributions and also, do you take those dividends or reinvest them?... thanks!
by williamg
Fri Jun 17, 2011 3:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where are you keeping your emergency funds?
Replies: 36
Views: 5459
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