Search found 68 matches

by BaylorBears
Sun May 20, 2018 12:50 am
Forum: Investing - Help with Personal Investments
Topic: SWPPX vs Vanguard Institutional 500 Index TRUST
Replies: 6
Views: 517

Re: SWPPX vs Vanguard Institutional 500 Index TRUST

the dividend gets reinvested in the fund. it literally is no different. I agree. Ok so given I only have the option of the Vanguard Instirutional 500 Index TRUST, I would prefer to be in a total market fund. Should i move that money to Schwab to buy their total market fund or would y'all recommend ...
by BaylorBears
Sat May 19, 2018 3:18 pm
Forum: Investing - Help with Personal Investments
Topic: SWPPX vs Vanguard Institutional 500 Index TRUST
Replies: 6
Views: 517

Re: SWPPX vs Vanguard Institutional 500 Index TRUST

Ok so given I only have the option of the Vanguard Instirutional 500 Index TRUST, I would prefer to be in a total market fund. Should i move that money to Schwab to buy their total market fund or would y'all recommend i essentially build a "total market fund" across 2 funds, 77% or so in the TRUST a...
by BaylorBears
Sat May 19, 2018 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: SWPPX vs Vanguard Institutional 500 Index TRUST
Replies: 6
Views: 517

SWPPX vs Vanguard Institutional 500 Index TRUST

My employer recently swapped our 401k VIIIX which pays a dividend for "Vanguard Institutional 500 Index TRUST" which DOES NOT pay a dividend. Personally, I prefer to receive a dividend and know it doesn't necessarily matter, but I've been looking at moving my money to our self directed 401k at Schwa...
by BaylorBears
Thu May 10, 2018 12:50 am
Forum: Investing - Help with Personal Investments
Topic: Any recommended Senior Living REITs?
Replies: 6
Views: 752

Any recommended Senior Living REITs?

Does vanguard have one focused in this area?

Any old threads you could point me to on this niche within REITs?

SNH yields over 10%. Seems to be an indication something is wrong
by BaylorBears
Sun Apr 15, 2018 10:43 pm
Forum: Investing - Help with Personal Investments
Topic: Help me with a dividend question on VIIIX
Replies: 20
Views: 1281

Re: Help me with a dividend question on VIIIX

It makes no mention of dividends or lack thereof in the prospectus. this was covered upthread. In a CIT, income from the underlying assets accretes to each held share rather than being distributed in dividend form. If you were reinvesting the VIIIX dividends in VIIIX, then your share count grew wit...
by BaylorBears
Sun Apr 15, 2018 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: Help me with a dividend question on VIIIX
Replies: 20
Views: 1281

Re: Help me with a dividend question on VIIIX

It is unusual for funds in a 401k to pay a dividend. There is no reason for them to do so. Likely they switched to a CIT and the dividend is not distributed and instead increases the NAV of the fund. Did a little more digging. The fund is called "Vanguard Institutional 500 Index Trust" and has an e...
by BaylorBears
Sun Apr 15, 2018 1:15 pm
Forum: Investing - Help with Personal Investments
Topic: DLSNX and OSTIX bond funds [DoubleLine Low Duration and Osterweis Strategic Income]
Replies: 2
Views: 173

Re: DLSNX and OSTIX bond funds

I see nothing wrong with either of those funds if you want short duration funds. I think you need to understand that most bond funds are showing little to no return in their NAV right now and some are negative. There are exceptions like floating rate funds and high yield has held up, but the bond m...
by BaylorBears
Sun Apr 15, 2018 11:12 am
Forum: Investing - Help with Personal Investments
Topic: Help me with a dividend question on VIIIX
Replies: 20
Views: 1281

Re: Help me with a dividend question on VIIIX

Nate79 wrote:
Sat Apr 14, 2018 9:20 pm
It is unusual for funds in a 401k to pay a dividend. There is no reason for them to do so. Likely they switched to a CIT and the dividend is not distributed and instead increases the NAV of the fund.
This is what I believe is happening.

So net / net, it's a wash is what I'm thinking.
by BaylorBears
Sun Apr 15, 2018 11:11 am
Forum: Investing - Help with Personal Investments
Topic: DLSNX and OSTIX bond funds [DoubleLine Low Duration and Osterweis Strategic Income]
Replies: 2
Views: 173

DLSNX and OSTIX bond funds [DoubleLine Low Duration and Osterweis Strategic Income]

These have low durations, but I'm down several hundred dollars in each. It's part of the bond portion of my portfolio. Not having owned much in bonds over my investing career, should i cut my losses given the rising rates we will be seeing or should i stay the course per my asset allocation plan as ...
by BaylorBears
Sat Apr 14, 2018 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: Help me with a dividend question on VIIIX
Replies: 20
Views: 1281

Re: Help me with a dividend question on VIIIX

After 6 calls and a couple of escalation emails, the custodian was finally able to tell me they changed the fund. It has no ticker.

Previously it was VIIIX

While VIIIX does pay a dividend, this new ticketless fund does not.

Should I be concerned? Anyone encounter something like this before?
by BaylorBears
Mon Apr 02, 2018 8:42 pm
Forum: Investing - Help with Personal Investments
Topic: Help me with a dividend question on VIIIX
Replies: 20
Views: 1281

Re: Help me with a dividend question on VIIIX

I called the custodian today. They had no explanation and seemed surprised it hadn’t paid yet
by BaylorBears
Sun Apr 01, 2018 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: Help me with a dividend question on VIIIX
Replies: 20
Views: 1281

Re: Help me with a dividend question on VIIIX

I’ll have to call the custodian. The share price is listed at $95.98 through their website but $240/share on other sites.

Something not adding up
by BaylorBears
Sat Mar 31, 2018 8:02 pm
Forum: Investing - Help with Personal Investments
Topic: Help me with a dividend question on VIIIX
Replies: 20
Views: 1281

Re: Help me with a dividend question on VIIIX

It’s in a 401k

It hasn’t paid yet due to the timing of the holiday but I’m not expecting it to be $5,000 based on past dividends

I usually just used the % but I started looking at the # of VIIIX shares and the dividend amount and the distribution wasn’t adding up
by BaylorBears
Sat Mar 31, 2018 7:45 pm
Forum: Investing - Help with Personal Investments
Topic: Help me with a dividend question on VIIIX
Replies: 20
Views: 1281

Help me with a dividend question on VIIIX

Quarterly dividend per vanguard’s site is $1.0089

If I have 5,000 shared of VIIiX, wouldn’t that mean my quarterly dividend would be about $5,000 this week?
by BaylorBears
Sun Mar 11, 2018 10:18 pm
Forum: Investing - Help with Personal Investments
Topic: Help with self directed 401k
Replies: 8
Views: 594

Re: Help with self directed 401k

The closest Schwab alternatives that I know of are: Schwab Small Cap Index (SWSSX) ER 0.05% Schwab International Market Index Fund (SWISX) ER 0.06% (not total international, and not all world) Schwab Total Stock Market Index Fund (SWTSX) ER 0.03% Schwab's expense ratios are absolutely competitive w...
by BaylorBears
Sun Mar 11, 2018 9:12 pm
Forum: Investing - Help with Personal Investments
Topic: Help with self directed 401k
Replies: 8
Views: 594

Re: Help with self directed 401k

The closest Schwab alternatives that I know of are: Schwab Small Cap Index (SWSSX) ER 0.05% Schwab International Market Index Fund (SWISX) ER 0.06% (not total international, and not all world) Schwab Total Stock Market Index Fund (SWTSX) ER 0.03% Schwab's expense ratios are absolutely competitive w...
by BaylorBears
Sun Mar 11, 2018 5:19 pm
Forum: Investing - Help with Personal Investments
Topic: Help with self directed 401k
Replies: 8
Views: 594

Help with self directed 401k

My 401k does allow VIIIX but I'd prefer to diversify a little more. The 401k custodian allows a self directed 401k through Charles Schwab. However, to buy the funds I want from Vanguard, Charles Schwab charges a fee. 1) Are there comparable Charles Schwab funds for the following Vanguard funds: - NA...
by BaylorBears
Fri Feb 23, 2018 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: I need help with my 401k
Replies: 11
Views: 766

Re: I need help with my 401k

I'm mainly just trying to understand if there are tax implications of selling say $50,000 in VTSAX to buy $50,000 in the company stock in the profit sharing plan... Is this a taxable event? We can't tell you until you identify the IRS category of the profit sharing plan. it is not a taxable event
by BaylorBears
Thu Feb 22, 2018 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: I need help with my 401k
Replies: 11
Views: 766

Re: I need help with my 401k

I would call the custodian and/or talk to HR (human resources) to confirm that this is a tax deferred account before making any huge changes. From your description, it sounds like it is part of your 401k, but we can't know for sure without looking into the details of your plan. Is it correct to say...
by BaylorBears
Thu Feb 22, 2018 1:43 am
Forum: Investing - Help with Personal Investments
Topic: I need help with my 401k
Replies: 11
Views: 766

Re: I need help with my 401k

I'm mainly just trying to understand if there are tax implications... And we can’t tell you that without knowing the legal/tax status of the profit sharing account - what is it? I guess it's considered 401k. I can't get to the cash thatsnput in. When I look g into my 401k I have a little no that sa...
by BaylorBears
Wed Feb 21, 2018 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: I need help with my 401k
Replies: 11
Views: 766

Re: I need help with my 401k

I am guessing that both of these accounts are inside of a 401K plan. My 401K had a similar arrangement - one account contained my contributions and was (obviously) 100% vested. There was a 7 year vesting period for company contributions held in the other account. You need to check with your HR depa...
by BaylorBears
Wed Feb 21, 2018 7:52 pm
Forum: Investing - Help with Personal Investments
Topic: I need help with my 401k
Replies: 11
Views: 766

I need help with my 401k

my company does annual profit sharing if we make a profit. When we do, that money is deposited into our "Profit Sharing" account. This account is managed by the same custodian that manges our 401k. I can't get this money in cash, but I'm not sure what to call this account. 1) should i treat this mon...
by BaylorBears
Sun Feb 11, 2018 2:26 pm
Forum: Investing - Help with Personal Investments
Topic: Are REITs essentially taboo for years now with rising rates?
Replies: 55
Views: 5926

Are REITs essentially taboo for years now with rising rates?

I've commented on here about O which has almost Buffett like returns since 1994. However with rates going up it's gone from $67 to $47 in no time at all with likely more pain to come.

How long until REITs may again become good DCA options?
by BaylorBears
Sat Feb 03, 2018 7:47 pm
Forum: Investing - Help with Personal Investments
Topic: How trading buys / sells affect cost basis?
Replies: 4
Views: 300

How trading buys / sells affect cost basis?

I've got a trading account in addition to my regular investments and was surprised when I sold half a position recently to recallocate some funds, at what Ameritrade told me my cost basis was for the remaining half. Anyone do anything special here for their trading accounts or do you typically just ...
by BaylorBears
Sat Feb 03, 2018 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: How often do you auto-purchase when DCA'ing?
Replies: 5
Views: 441

How often do you auto-purchase when DCA'ing?

Do you have it set up on Vanguard to buy every day, once a week, twice a month? How often?

Asking for a friend...
by BaylorBears
Wed Dec 27, 2017 11:23 pm
Forum: Investing - Help with Personal Investments
Topic: VIIIX had a LT Capital Gain in 2016
Replies: 2
Views: 475

VIIIX had a LT Capital Gain in 2016

Looks like this year it won't. I wonder why?
by BaylorBears
Wed Dec 27, 2017 1:47 pm
Forum: Investing - Theory, News & General
Topic: Bob Brinker Market Timer Portfolio 1 Question - AKREX
Replies: 5
Views: 1069

Re: Bob Brinker Market Timer Portfolio 1 Question - AKREX

Looks like no charge at Vanguard to buy AKREX but there can be redemption fees: https://investor.vanguard.com/mutual-funds/profile/fees/T139?FundIntExt=EXT Edited to add: Looks like Vanguard also charges an additional fee if you buy by phone. Thanks. I called them and confirmed same. No charges by ...
by BaylorBears
Tue Dec 26, 2017 8:09 pm
Forum: Investing - Theory, News & General
Topic: Bob Brinker Market Timer Portfolio 1 Question - AKREX
Replies: 5
Views: 1069

Re: Bob Brinker Market Timer Portfolio 1 Question - AKREX

You can buy it at vanguard, but I would not recommend it. I don’t know what it attempts to do, but it is large growth and vanguard has many large growth funds. It looks like the manager can buy almost anything. The investment seeks long-term capital appreciation. The fund invests primarily in secur...
by BaylorBears
Tue Dec 26, 2017 7:37 pm
Forum: Investing - Theory, News & General
Topic: Bob Brinker Market Timer Portfolio 1 Question - AKREX
Replies: 5
Views: 1069

Bob Brinker Market Timer Portfolio 1 Question - AKREX

I got to thinking about this when posting about Bob Brinker last week. His more "aggressive" portfolio is portfolio 1, which inclusdes 4 funds - 3 are vanguard (so no issue there), but 1 is the AKREX (Akre Focus Fund) at a 15% allocation. I also notice that AKREX has a 1.3% expense ratio. Is there a...
by BaylorBears
Tue Dec 26, 2017 7:22 pm
Forum: Investing - Help with Personal Investments
Topic: Converted money from Edward Jones to Vanguard - When to sell?
Replies: 8
Views: 1143

Re: Converted money from Edward Jones to Vanguard - When to sell?

pkcrafter wrote:
Sun Dec 24, 2017 3:24 pm
BayorBears, here's some information of dividend and capital gains distributions.

https://www.nicholasfunds.com/NicholasC ... on-FAQ.htm

If you want to wait a week or so to exchange the funds, there won't be any negative consequences.


Paul
Thanks!
by BaylorBears
Tue Dec 26, 2017 7:03 pm
Forum: Investing - Help with Personal Investments
Topic: 5 year recommendation? Real estate, investing, early retirement?
Replies: 9
Views: 1326

Re: 5 year recommendation? Real estate, investing, early retirement?

After reading a ton more and pondering several options, I believe I'm going to simply increase the amount I'm DCAing into my taxable portfolio and hope for the best. It's not likely I will pay off the houses anyway, given the low interest rates. I've been thinking of using them as a early retirement...
by BaylorBears
Mon Dec 25, 2017 10:20 pm
Forum: Investing - Help with Personal Investments
Topic: 5 year recommendation? Real estate, investing, early retirement?
Replies: 9
Views: 1326

Re: 5 year recommendation? Real estate, investing, early retirement?

I "own" several rentals that in total are worth about $1,000,000. I have about 40% equity in them. My 401k is worth about $900k. I'm in my late 30s. I have about $300k fully invested in taxable accounts at an 85% stock / 15% bonds disposition. I can plow about $10,000 into post tax investments each...
by BaylorBears
Mon Dec 25, 2017 10:19 pm
Forum: Investing - Help with Personal Investments
Topic: 5 year recommendation? Real estate, investing, early retirement?
Replies: 9
Views: 1326

Re: 5 year recommendation? Real estate, investing, early retirement?

No kids. And yes govt decisions are no guarantee. Seems the ARS are likely to lose the house in the mid terms which would then stalemate the govt for 2 years which is usually good for us commoners. However, have to play the board as it stands and it would seek a floor is likely put under stocks at t...
by BaylorBears
Mon Dec 25, 2017 9:36 pm
Forum: Investing - Help with Personal Investments
Topic: 5 year recommendation? Real estate, investing, early retirement?
Replies: 9
Views: 1326

5 year recommendation? Real estate, investing, early retirement?

I "own" several rentals that in total are worth about $1,000,000. I have about 40% equity in them. My 401k is worth about $900k. I'm in my late 30s. I have about $300k fully invested in taxable accounts at an 85% stock / 15% bonds disposition. I can plow about $10,000 into post tax investments each ...
by BaylorBears
Sun Dec 24, 2017 2:53 pm
Forum: Investing - Help with Personal Investments
Topic: Converted money from Edward Jones to Vanguard - When to sell?
Replies: 8
Views: 1143

Re: Converted money from Edward Jones to Vanguard - When to sell?

I somehow couldn't find the other thread After you've checked in, click on Quick links (top left) and check "Your posts". Ones you haven't looked at yet will be red. Yes. Same account. My concern in selling tomorrow for example is if I would be receiving capital gains distributions here in a week o...
by BaylorBears
Sat Dec 23, 2017 11:26 pm
Forum: Investing - Theory, News & General
Topic: Do any of you follow Bob Brinker?
Replies: 65
Views: 9061

Do any of you follow Bob Brinker?

For how long? Thoughts in general?

I noticed his market timer didn't sell in 2008 which is concerning.
by BaylorBears
Sat Dec 23, 2017 12:47 am
Forum: Investing - Help with Personal Investments
Topic: When does VTSAX pay its dividend this month?
Replies: 9
Views: 2366

Re: When does VTSAX pay its dividend this month?

odd. maybe it will show up in my account tomorrow. Wasn't there today yet. Maybe tonight. Record date was 12-19-2017. Reinvest date was 12-20-2017. Payable date was 12-21-2017. My reinvestment settled on the 20th. Do you reinvest yours? I do Was your payment riughly what it was in Q3? I've had othe...
by BaylorBears
Fri Dec 22, 2017 10:22 pm
Forum: Investing - Help with Personal Investments
Topic: When does VTSAX pay its dividend this month?
Replies: 9
Views: 2366

Re: When does VTSAX pay its dividend this month?

odd. maybe it will show up in my account tomorrow. Wasn't there today yet. Maybe tonight.
by BaylorBears
Thu Dec 21, 2017 10:13 am
Forum: Investing - Help with Personal Investments
Topic: When does VTSAX pay its dividend this month?
Replies: 9
Views: 2366

When does VTSAX pay its dividend this month?

I can't seem to find it on vanguard. #googlefail
by BaylorBears
Sun Dec 03, 2017 10:31 pm
Forum: Investing - Help with Personal Investments
Topic: Converted money from Edward Jones to Vanguard - When to sell?
Replies: 8
Views: 1143

Re: Converted money from Edward Jones to Vanguard - When to sell?

Is this the same EJ account you asked about in this thread? https://www.bogleheads.org/forum/viewtopic.php?f=1&t=228764&p=3557043#p3557043 Or is it another account that is a taxable account? If it's an IRA, there is no reason to hold off selling the AF funds. Distributions have no tax implications ...
by BaylorBears
Sun Dec 03, 2017 2:49 pm
Forum: Investing - Help with Personal Investments
Topic: Converted money from Edward Jones to Vanguard - When to sell?
Replies: 8
Views: 1143

Converted money from Edward Jones to Vanguard - When to sell?

Back in 2007, I had a friend working at EJ. I opened a $10,000 account with them and they put me in their usual American funds. I closed the EJ account this year a few months ago and moved the funds to Vanguard However, in doing that, it simply moved the American funds into my Vanguard account. Ulti...
by BaylorBears
Sun Nov 12, 2017 10:47 pm
Forum: Investing - Help with Personal Investments
Topic: What have VTSAX December Capital Gains % distributions been last few years?
Replies: 2
Views: 548

What have VTSAX December Capital Gains % distributions been last few years?

To make sure I'm clear, each quarter is the normal dividend distribution and then any capital gains are distributed in December in addition to the dividend.
by BaylorBears
Tue Oct 03, 2017 12:20 am
Forum: Investing - Help with Personal Investments
Topic: Would you recommend moving an Edwards Jones IRA to Vanguard?
Replies: 16
Views: 1804

Re: Would you recommend moving an Edwards Jones IRA to Vanguard?

Are there any tax implications I should talk to an account about before seller by the edward jones American finds and buying vanguard funds?

I purchased almost all of the EJ funds in 2008 before the mega down turn
by BaylorBears
Sat Sep 30, 2017 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: Would you recommend moving an Edwards Jones IRA to Vanguard?
Replies: 16
Views: 1804

Would you recommend moving an Edwards Jones IRA to Vanguard?

I opened up an IRA back in 2008 just before the crash with $10,000. It now has about $15,000 but I assume I'm getting fleeced with the expenses. The rest of my money is with vanguard. I opened the EJ account to help out a friend that worked there. 1) Would you recommend moving it to vanguard? 2) are...
by BaylorBears
Sat Sep 30, 2017 11:48 am
Forum: Investing - Help with Personal Investments
Topic: Would you invest in O [Realty Income Corp] for dividend yield?
Replies: 8
Views: 1423

Would you invest in O [Realty Income Corp] for dividend yield?

Would you DCA?

Yield is over 4% and has raised its dividend for the 63rd time in the last 23 years. Hasn't missed a monthly dividend payment in 40 years.
by BaylorBears
Thu Sep 21, 2017 9:51 pm
Forum: Investing - Help with Personal Investments
Topic: When does VTSAX pay its Q3 dividend? How much?
Replies: 1
Views: 604

When does VTSAX pay its Q3 dividend? How much?

Should be any day now. Can we already determine how much the annual percentage is? It's been hovering below the 2% area.

Anyone have insight on how much the capital gains has been in December the last few years as a %?
by BaylorBears
Tue Sep 12, 2017 8:09 am
Forum: Investing - Help with Personal Investments
Topic: Dividend impact of investing $4,000 / month in VTSAX?
Replies: 5
Views: 1411

Dividend impact of investing $4,000 / month in VTSAX?

By my math, the annual dividend of VTSAX is about 1.8%. Based on that math, of correct, each monthly $4,000 investment would add about $72 per year to my dividend income. This would be reinvested as I'm 40 and still adding $ for a while. 1) Is anything off in my understanding here? 2) long term, sho...
by BaylorBears
Sat Jun 03, 2017 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: Simple IRA at work with American Century Investments - need help
Replies: 9
Views: 985

Re: Simple IRA at work with American Century Investments - need help

I need some help here. On the "frozen" account with Vanguard, it seems like i can move the money into vanguard but I can't do anything with it because it's frozen? Or does frozen mean I can do whatever I want with it once it's in Vanguard EXCEPT move it from vanguard to another custodian? The perso...
by BaylorBears
Thu Jun 01, 2017 10:26 pm
Forum: Investing - Help with Personal Investments
Topic: Simple IRA at work with American Century Investments - need help
Replies: 9
Views: 985

Re: Simple IRA at work with American Century Investments - need help

American Century has some pretty expensive funds, but there is no reason for you to invest a dime with them. First you need to determine if you have a SIMPLE 5304 plan or a SIMPLE 5305. A 5304 allows you to select your own custodian. In that case you can select Vanguard, Fidelity, etc... and your m...