Search found 25 matches

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: 1390

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: 1390

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: 1047

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: 548

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: 1267

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: 7
Views: 608

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: 7
Views: 608

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...
by BaylorBears
Sun Apr 16, 2017 11:11 pm
Forum: Investing - Help with Personal Investments
Topic: Simple IRA at work with American Century Investments - need help
Replies: 7
Views: 608

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

For example, one that I planned to choose was the "One CHoice 2035 Portfolio" (ticker ARYIX).

SIt down because this is going to floor you. The Expense ration for this fund is .9%

OH

MY

GAWWWWDDD!

help!
by BaylorBears
Sun Apr 16, 2017 11:05 pm
Forum: Investing - Help with Personal Investments
Topic: Simple IRA at work with American Century Investments - need help
Replies: 7
Views: 608

Simple IRA at work with American Century Investments - need help

My new job only offers a Simple IRA (max contribution in 2017 of $12,500) with a 3% match. American Century Investments is the custodian. It doesn't look like they have any options like a Total Stock Market Index that I'm accustomed to from Vanguard in the other jobs I've had. Anyone have experience...
by BaylorBears
Sun Apr 10, 2016 12:16 am
Forum: Investing - Help with Personal Investments
Topic: I have about $800k in my 401k - looking to invest in bonds
Replies: 11
Views: 2147

Re: I have about $800k in my 401k - looking to invest in bonds

LAlearning wrote:Also it's best not to ask the same question in different places.


Did I ask the same question in different places? Apologies if so, but where?
by BaylorBears
Sat Apr 09, 2016 11:22 pm
Forum: Investing - Help with Personal Investments
Topic: I have about $800k in my 401k - looking to invest in bonds
Replies: 11
Views: 2147

I have about $800k in my 401k - looking to invest in bonds

I've been pretty aggressive in stocks. I'm really not comfortable with where the market is right now. I'm not a market timer, but would be more comfortable at night with some more "guaranteed" returns. I'm 39. The only bond fund my 401k has is PTTRX. However, I can put it in some self dire...
by BaylorBears
Sun Aug 23, 2015 11:55 pm
Forum: Investing - Help with Personal Investments
Topic: Looking at moving some cash into bonds
Replies: 2
Views: 423

Looking at moving some cash into bonds

Thoughts on making a bulk purchase? I'm curious how bonds did (as in VBMFX) in the 2007/2008 crash.

Trying to decide if I should move to cash or bonds, but want to get some of my stock allocation out of the way for now.
by BaylorBears
Sun May 17, 2015 1:08 pm
Forum: Investing - Help with Personal Investments
Topic: Looking to add bonds to my 401k - PTTRX?
Replies: 4
Views: 550

Re: Looking to add bonds to my 401k - PTTRX?

I had forgotten that we had recently added a self directed option in my 401k. It is run by JP Morgan Stanley. I would assume i couldn't buy anything from Vanguard through JPMS. Is that a fair assumption? If I can, any good sticky bond threads you could point me to? Interestingly enough I can purchas...
by BaylorBears
Sat May 16, 2015 11:39 am
Forum: Investing - Help with Personal Investments
Topic: Looking to add bonds to my 401k - PTTRX?
Replies: 4
Views: 550

Looking to add bonds to my 401k - PTTRX?

I've never really understood bonds much and am looking to add some exposure. It's currently less than 10% of my 401k. I'm in my mid to late 30s. The option i have available in my 401k is PTTRX (PIMCO Total Return Institutional). We all probably know about Bill Gross recently leaving. 1) any thoughts...
by BaylorBears
Fri Apr 10, 2015 5:34 pm
Forum: Investing - Help with Personal Investments
Topic: Looking at buying bonds - PTRRX, vanguard?
Replies: 2
Views: 464

Looking at buying bonds - PTRRX, vanguard?

Any suggestions? I'm 38 with a 7 figure net worth. Abou 10% of my me is in cash. I'm very stock heavy.

I'd like to take about 80% of my cash and move it into bonds. PTRRX yields almost 4%.

Thoughts on bond choice and if I should lump sum vs DCA?
by BaylorBears
Sun May 04, 2014 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in Bonds (VBMFX) now?
Replies: 8
Views: 2596

Investing in Bonds (VBMFX) now?

I've been significantly invested in stocks for the last decade. I'm not in my mid-30s and am looking to include some bonds in my portfolio. I currently have a money market that pays about 1.25% if I use a debit card 10x per month. I think there are better options out that have similar risk profiles ...
by BaylorBears
Mon Apr 28, 2014 12:50 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on VHDYX?
Replies: 4
Views: 2501

Thoughts on VHDYX?

I have $100,000 that's looking for a home to earn more than the 1% its earning in the bank.

Most of my investments are in VTSAX.

Thoughts in this minor diversification with some yield upside?
by BaylorBears
Sun Apr 27, 2014 5:33 pm
Forum: Investing - Help with Personal Investments
Topic: Historical yields on VTSAX?
Replies: 8
Views: 2935

Re: Historical yields on VTSAX?

tetractys wrote:Vanguard will print out and mail that to you if you ask. -- Tet


I was hoping that would be something we could find online.
by BaylorBears
Sun Apr 27, 2014 5:05 pm
Forum: Investing - Help with Personal Investments
Topic: Historical yields on VTSAX?
Replies: 8
Views: 2935

Historical yields on VTSAX?

VTSAX has paid a dividend since 2000. Is there a resource that shows the annual yield and price paid per share for each quarter and year? For example, in September of last year, VTSAX paid about .209 per share which was up about 2 cents from the prior quarter. It seems the historical yield has been ...
by BaylorBears
Sat Apr 12, 2014 10:36 pm
Forum: Investing - Help with Personal Investments
Topic: Question about Bonds
Replies: 4
Views: 792

Question about Bonds

I have little to no money in bonds (I'm in my mid-30s). I do, however, have about 20% of my portfolio in accounts yielding about 1.5% which generate some cash flow and that I largely use for any individual stocks when buying opportunities arise as the quarters flip by. As I look towards my next deca...
by BaylorBears
Sat Feb 08, 2014 11:28 am
Forum: Investing - Help with Personal Investments
Topic: Another ESPP question
Replies: 50
Views: 5139

Re: Another ESPP question

I have a 15% ESPP purchased on the last day of the month with a max annual purchase amoun of $40,000. Shares show up in account 3-5 business days later and I can sell immediately.

Rinse, wash, repeat. Likelihood of a 15% move in that period is generally very low.
by BaylorBears
Sun Jun 23, 2013 9:38 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on lump sum investing?
Replies: 70
Views: 3801

Re: Thoughts on lump sum investing?

US market

Frengo wrote:Which market are you in ?

If I had to invest 200k in stocks, I'd invest 10k per month in a total market fund/ETF.
If I had to invest 200k in bonds, I'd be happy with your 1.5% return. For the time being.
by BaylorBears
Sun Jun 23, 2013 9:37 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on lump sum investing?
Replies: 70
Views: 3801

Re: Thoughts on lump sum investing?

If only it were 12 figures.
by BaylorBears
Sun Jun 23, 2013 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on lump sum investing?
Replies: 70
Views: 3801

Thoughts on lump sum investing?

I'm only about 50% in the market right now and have a sizable portion of my net worth earning about 1.5%.

thoughts on investing it near market highs?

I'm in my mid 30s with a couple of six figures worth of investable money in the bank.
by BaylorBears
Thu May 02, 2013 11:05 pm
Forum: Investing - Help with Personal Investments
Topic: Website tool showing Vanguard S&P returns
Replies: 0
Views: 294

Website tool showing Vanguard S&P returns

Is there a tool that you could plug in a start date and monthly, weekly, purchase, etc and a recurring amount that would tell you what you would have made, reinvesting dividends, over a period of time? I would think that would be very helpful, especially over the last decade where returns have not b...