Search found 199 matches

by Brantley
Wed Jun 22, 2016 7:32 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice - funds from family
Replies: 34
Views: 2130

Re: Portfolio Advice - funds from family

Each of those funds has a higher than necessary ER and they are both tax-inefficient. There is no financial reason to keep them in my opinion. You will pay the same amount of tax if you pay it in one year or several years (assuming no phase in/phase outs). In the long run this is going to be a coup...
by Brantley
Tue Jun 21, 2016 10:38 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice - funds from family
Replies: 34
Views: 2130

Re: Portfolio Advice - funds from family

Ok - back to my questions. (1)Are there any specific characteristics in these funds that drive high distributions that do not exist in index funds? Is this just driven by turnover in fund? (2) Os there anywhere easy to see historical distributions on morningstar rather than having to dig into the fu...
by Brantley
Tue Jun 21, 2016 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice - funds from family
Replies: 34
Views: 2130

Re: Portfolio Advice - funds from family

OP, I'm afraid I must climb up on my soapbox again regarding your fiancee's financial education. I believe that it is very important that women avoid financial helplessness. You have repeated that if something happens to you, she'll have parents and others who can help her with her finances. This i...
by Brantley
Mon Jun 20, 2016 5:44 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice - funds from family
Replies: 34
Views: 2130

Re: Portfolio Advice - funds from family

Would need her parents blessing on this as they would be executing trades likely. ????? Are these her funds, or are these her parents' funds that are intended someday to go to her? If they are her funds, her parents should not be able to access them without her permission. Once she is married, she ...
by Brantley
Mon Jun 20, 2016 5:42 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice - funds from family
Replies: 34
Views: 2130

Re: Portfolio Advice - funds from family

I think one of the best things you could do for your spouse-to-be is to both get educated on some of this. What if you died or were seriously disabled and she knew nothing about what to do? A quick start might be to read this booklet together. Dr Bernstein has also written other recommended books b...
by Brantley
Mon Jun 20, 2016 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice - funds from family
Replies: 34
Views: 2130

Re: Portfolio Advice - funds from family

If I hold, I pay 15% over next x years as fund pays out distributions. Not necessarily. Not all distributions (short term cap gains distributions and non-qualified dividends) are eligible for that special 15% rate. Also, the goal is to have less of any type of distribution - tax-efficient funds hav...
by Brantley
Mon Jun 20, 2016 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice - funds from family
Replies: 34
Views: 2130

Re: Portfolio Advice - funds from family

If you have a very different approach to investing than does dear old dad, and dad's funds do better than the indexes after you sell them, you may never live long enough to hear the end of it. He used to be more into active, but now has most of his funds in index funds. From speaking with him, he s...
by Brantley
Mon Jun 20, 2016 4:37 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice - funds from family
Replies: 34
Views: 2130

Re: Portfolio Advice - funds from family

Because sometimes the wedding doesn't happen. If the changes are things she would do anyway, even if she intended to remain single, then changes now are OK. But setting up a joint portfolio before the legal protection of marriage is going to bite somebody in the rear some time. Make sure that is no...
by Brantley
Mon Jun 20, 2016 12:12 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice - funds from family
Replies: 34
Views: 2130

Re: Portfolio Advice - funds from family

You say "I want to do so-and-so" This is your fiancee's money. What does SHE want to do? I don't mean to sound harsh, but it does gall me when one spouse (usually the husband) seeks to assume control of the other spouse's separately owned money. My suggestion is that you make any decision...
by Brantley
Sun Jun 19, 2016 8:17 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice - funds from family
Replies: 34
Views: 2130

Re: Portfolio Advice - funds from family

Do these funds pay out unusual high distributions? Can you help me understand how say an index fund would be more tax efficient in comparison? Haven't had taxable investments before so new to this. Yes, they do pay out ridiculously high distributions. A total stock market index fund might pay out 2...
by Brantley
Sun Jun 19, 2016 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice - funds from family
Replies: 34
Views: 2130

Re: Portfolio Advice - funds from family

yes, that is my opinion. The annual distributions will kill you all on taxes. The question is just when to sell: before marriage, first year, 2nd year or some combination. Or gifting shares to charity. And it isn't going for something more broadly diversified. It is going for something that is tax-...
by Brantley
Sun Jun 19, 2016 7:26 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice - funds from family
Replies: 34
Views: 2130

Re: Portfolio Advice - funds from family

I am not sure if one can easily get the info from those websites, but no matter. Let me try to make some educated guesses. Portfolio of less than $350,000. With Her Taxable – 14% T. Rowe Price New Horizons Fund (PRNHX) - .79% ER – 6% Janus Twenty Fund Class D (JNTFX) - .72% ER So say no more than $...
by Brantley
Sun Jun 19, 2016 6:18 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice - funds from family
Replies: 34
Views: 2130

Re: Portfolio Advice - funds from family

Can look into this, but her parents invested in these over twenty years ago so I would expect large unrealized gains in there. I'll take you to lunch if that is the case. I just noted that 27% of the value of the TRowePrice fund really came from distributions in the past 3 years. I will assume that...
by Brantley
Sun Jun 19, 2016 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice - funds from family
Replies: 34
Views: 2130

Re: Portfolio Advice - funds from family

On the actively-managed funds: I would be very surprised if these funds had a lot of unrealized capital gains. They probably have paid out reasonably large distributions every year that were taxable in those years. Let's take a look: PRHNX paid out about 8% in 2015, 12% in 2014, and 7% in 2013, so ...
by Brantley
Sun Jun 19, 2016 4:22 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice - funds from family
Replies: 34
Views: 2130

Re: Portfolio Advice - funds from family

retiredjg wrote:You should not do anything while engaged.

Once married…you may drop into the 15% tax bracket. If so, you could sell those funds in taxable, perhaps over a few years, with no tax.


Fiancee and I have similar incomes so will owe more in taxes once we are married. Will not be near 15% bracket.
by Brantley
Sun Jun 19, 2016 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice - funds from family
Replies: 34
Views: 2130

Portfolio Advice - funds from family

Hi all, Thanks again for all the help I have received in the past. Became recently engaged, so starting to look at our investments in aggregate. See below update of my holdings and some questions. Any and all comments are welcome. Emergency funds: Covered – Could draw from Inherited IRA if absolutel...
by Brantley
Tue Apr 26, 2016 7:34 pm
Forum: Investing - Theory, News & General
Topic: Best place to keep vacation funds and emergency funds
Replies: 47
Views: 5138

Re: Best place to keep vacation funds and emergency funds

Ally is the way to go IMO. There's been a few threads floating around lately about Netspend 5% accounts. You could probably find those via a thread search. There are a few hoops to jump through though for the 5%. Ally is FDIC insured, money transfers quick. I like it for savings. Netspend is FDIC i...
by Brantley
Tue Apr 26, 2016 3:31 pm
Forum: Investing - Theory, News & General
Topic: Best place to keep vacation funds and emergency funds
Replies: 47
Views: 5138

Re: Best place to keep vacation funds and emergency funds

Brinks prepaid card savings account - 5% interest up to $5k - google it
by Brantley
Mon Mar 28, 2016 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for Passing the CPA Exam 2016-17 edition
Replies: 23
Views: 1964

Re: Advice for Passing the CPA Exam 2016-17 edition

Will your employer help to pay?
by Brantley
Thu Sep 17, 2015 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: If You Have Savings In Your 20s, You’re Doing Something Wrong [article]
Replies: 148
Views: 14600

Re: If You Have Savings In Your 20s, You’re Doing Something Wrong [article]

This article is pretty light, but all I get out of it is invest in yourself and take risks while you can. Can definitely be interpreted to cause negative behavior, but certainly not appalling.
by Brantley
Thu Aug 27, 2015 11:08 am
Forum: Investing - Help with Personal Investments
Topic: Converting Vanguard ETF shares to Admiral shares
Replies: 20
Views: 2275

Re: Converting Vanguard ETF shares to Admiral shares

My thoughts originally too but when punching in the numbers comparing investor shares and admiral shares using vanguards tool, over a 20 year period there were a lot of savings. Do ETS fair the same way as investor shares in that regard? Admiral/investor are classes of mutual funds. ETFs from vangu...
by Brantley
Wed Aug 05, 2015 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Hourly Based Adviser in Boston Area
Replies: 9
Views: 704

Re: Hourly Based Adviser in Boston Area

simplesimon wrote:Hi Brantley, I sent you a PM.

Thanks!
by Brantley
Wed Aug 05, 2015 7:49 am
Forum: Personal Finance (Not Investing)
Topic: Hourly Based Adviser in Boston Area
Replies: 9
Views: 704

Re: Hourly Based Adviser in Boston Area

As I said, for a family member. Any suggestions would be welcomed.
by Brantley
Wed Aug 05, 2015 7:38 am
Forum: Personal Finance (Not Investing)
Topic: Hourly Based Adviser in Boston Area
Replies: 9
Views: 704

Re: Hourly Based Adviser in Boston Area

For a family member. Limited financial skills, my guess would be retirement assets north of $100k, owns a condo, early 30's. Looking for family and retirement planning as he is looking to have kids soon.
by Brantley
Wed Aug 05, 2015 12:05 am
Forum: Personal Finance (Not Investing)
Topic: Hourly Based Adviser in Boston Area
Replies: 9
Views: 704

Re: Hourly Based Adviser in Boston Area

Bump...anyone?
by Brantley
Tue Aug 04, 2015 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Hourly Based Adviser in Boston Area
Replies: 9
Views: 704

Re: Hourly Based Adviser in Boston Area

Looking for someone I can talk to face to face
by Brantley
Tue Aug 04, 2015 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Hourly Based Adviser in Boston Area
Replies: 9
Views: 704

Hourly Based Adviser in Boston Area

Any suggestions for an hourly based adviser in the Boston Area?
by Brantley
Sat Jun 06, 2015 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: New 12" Macbook: Which one to buy?
Replies: 10
Views: 5236

Re: New 12" Macbook: Which one to buy?

I like the new MacBook, but am going to wait for the second generation. I have a 2012 MacBook Air and, apparently, the new MacBook is slower than my older Air. I'll upgrade when the new MacBook is faster than what I've got. :happy http://i59.tinypic.com/9gym1s.png From ArsTechnica. +1 - the next it...
by Brantley
Sat Apr 11, 2015 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Car Insurance
Replies: 12
Views: 1797

Car Insurance

Hey all, I don't see much information in either the blog or forum regarding car insurance. I'm in my mid twenties, live in the Boston area, drive a late 2000's Japanese compact, park in a garage, and have a clean driving record. I pay $105 a month with Norfolk and Dedham which I obtained through a l...
by Brantley
Wed Aug 27, 2014 9:07 am
Forum: Investing - Help with Personal Investments
Topic: 12b-1 Fees
Replies: 13
Views: 978

Re: 12b-1 Fees

I'll give you all an update if he follows up with the plan administrator. I hope he does.
by Brantley
Tue Aug 26, 2014 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: 12b-1 Fees
Replies: 13
Views: 978

Re: 12b-1 Fees

I'm guessing this is some kind of proprietary private flavor that is somehow constituted as not a SEC registered mutual fund. Somebody else here will know more about such things, but I agree with Dutch that the place to go is the plan administrator at your friend's employer. You're correct - it is ...
by Brantley
Tue Aug 26, 2014 6:06 pm
Forum: Investing - Help with Personal Investments
Topic: 12b-1 Fees
Replies: 13
Views: 978

Re: 12b-1 Fees

dodonnell wrote:JPMorgan SmartRetirement 2050 C

The class used in your 401k most likely is very similar to this funds 12b-1 Fees of 0.75%.

Not positive about that. The expense ratio for JTSCX is a fair amount higher as compared to the amount charged by his 401k (.78 net fee).
by Brantley
Tue Aug 26, 2014 5:49 pm
Forum: Investing - Help with Personal Investments
Topic: 12b-1 Fees
Replies: 13
Views: 978

Re: 12b-1 Fees

fposte wrote:It's a Class C fund, so there's usually some back-end charge.

Are you sure about the CUSIP, though? J. P. Morgan's look generally to start with 4812A.

Yes CUSIP is correct. What would the back-end charge be disclosed as?
by Brantley
Tue Aug 26, 2014 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: 12b-1 Fees
Replies: 13
Views: 978

Re: 12b-1 Fees

Sciray wrote:Also, it looks like that fund has a back end load, which could cost you even more if your friend decides to leave the job and rollover the account (thus selling the shares).
What leads you to believe the fund has a back end load?
by Brantley
Tue Aug 26, 2014 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: 12b-1 Fees
Replies: 13
Views: 978

12b-1 Fees

Hello all, Legal question here. A friend of mine has a company 401(k) with JP Morgan, which includes JPMorgan Smart Retire 2050 Class C, CUSIP 202919569. We are having trouble finding information regarding fees charged. JPMorgan only provides a summary prospectus, which states "The fund is not ...
by Brantley
Mon Aug 25, 2014 10:41 am
Forum: Personal Consumer Issues
Topic: Zegna Suits
Replies: 197
Views: 14345

Re: Zegna Suits

I've been a fan of Joseph Abboud suits, which I used to buy on sale at Nordstrom. I very much like the quality, and they fit me perfectly without alterations (other than finishing the legs). I believe that the company was recently bought out by Men's Wearhouse. Take a look. Should be under $700. I'...
by Brantley
Mon Aug 25, 2014 9:02 am
Forum: Personal Consumer Issues
Topic: Zegna Suits
Replies: 197
Views: 14345

Re: Zegna Suits

Hi all, I am shopping for outfit for my upcoming wedding. I like ZEGNA line, their suits are very comfortable and made in Italy from good Egyptian or Australian fabrics, The outfit from Zegna would run me about $4500, is this too pricy? I tried on Armani, Boss, Canelli, but these definitely do not ...
by Brantley
Thu Aug 21, 2014 2:40 pm
Forum: Investing - Theory, News & General
Topic: "The Bogleheads' Guide to Investing -- Second Edition"
Replies: 47
Views: 10276

Re: "The Bogleheads' Guide to Investing -- Second Edition"

I too have bought the first edition already. Are there significant changes in the second edition? Is it worth a purchase?
by Brantley
Thu Aug 14, 2014 7:16 pm
Forum: Investing - Theory, News & General
Topic: Stop Passing Up This Great Deal - In Money Magazine
Replies: 80
Views: 14845

Re: Stop Passing Up This Great Deal - In Money Magazine

However intuitively it does seem true that Roth savings would come out ahead even if tax brackets stay the same or dip a little in retirement, assuming you have a couple of decades or more for the compounding. Think about it - $10K invested today could easily become $40K in 30 years. If you invest ...
by Brantley
Tue Aug 05, 2014 5:45 pm
Forum: Personal Consumer Issues
Topic: Best Coffee Maker? What do you have?
Replies: 75
Views: 8389

Re: Best Coffee Maker? What do you have?

French press all the way - love my espro press. Purchased the mid size during their kickstarter. Not cheap but makes a great cup of coffee.
by Brantley
Sun Aug 03, 2014 3:09 pm
Forum: Investing - Theory, News & General
Topic: Stop Passing Up This Great Deal - In Money Magazine
Replies: 80
Views: 14845

Re: Stop Passing Up This Great Deal - In Money Magazine

Here's a link to a TRP article that contains the quote you show. http://www.thinkadvisor.com/2014/06/23/millennials-prefer-roth-iras-and-boomers-should-to In the article is a link to a study. Ritter is mentioned in both, but I don't think he did the study, although he may have been involved. Paul R...
by Brantley
Sun Aug 03, 2014 2:40 pm
Forum: Investing - Theory, News & General
Topic: Stop Passing Up This Great Deal - In Money Magazine
Replies: 80
Views: 14845

Re: Stop Passing Up This Great Deal - In Money Magazine

Here's a link to a TRP article that contains the quote you show. http://www.thinkadvisor.com/2014/06/23/millennials-prefer-roth-iras-and-boomers-should-to In the article is a link to a study. Ritter is mentioned in both, but I don't think he did the study, although he may have been involved. Paul I...
by Brantley
Sun Aug 03, 2014 2:19 pm
Forum: Investing - Theory, News & General
Topic: Stop Passing Up This Great Deal - In Money Magazine
Replies: 80
Views: 14845

Re: Stop Passing Up This Great Deal - In Money Magazine

Here's a link to a TRP article that contains the quote you show. http://www.thinkadvisor.com/2014/06/23/millennials-prefer-roth-iras-and-boomers-should-to In the article is a link to a study. Ritter is mentioned in both, but I don't think he did the study, although he may have been involved. Paul R...
by Brantley
Sun Aug 03, 2014 2:07 pm
Forum: Investing - Theory, News & General
Topic: Stop Passing Up This Great Deal - In Money Magazine
Replies: 80
Views: 14845

Re: Stop Passing Up This Great Deal - In Money Magazine

It depends on ones current and predicted future tax rates. It also depends on how much you can afford to save. Since the limit that you can put in for yourself is $17,500 for either the pre-tax or the Roth, the $17,500 is worth quite a bit more in a Roth account. This assumes that you have enough &...
by Brantley
Sun Aug 03, 2014 1:31 pm
Forum: Investing - Theory, News & General
Topic: Stop Passing Up This Great Deal - In Money Magazine
Replies: 80
Views: 14845

Stop Passing Up This Great Deal - In Money Magazine

Just read article titled "stop passing up this great deal" by Penelope Wang in Money magazine regarding Roth 401(k)s. The article is relying on a recent study by T. Rowe price compiled by Stuart Ritter. I have a few question for you folks if you have also read this article. 1) Can anyone f...
by Brantley
Thu Jun 12, 2014 9:54 pm
Forum: Investing - Help with Personal Investments
Topic: NEW Investor -- 25 years old; ~35K
Replies: 9
Views: 1616

Re: NEW Investor -- 25 years old; ~35K

Mike, General forum etiquette states that you follow this template when posting your individual situation: http://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 Please do this. Depending on your 401k options, you may want to max that out first. I would put away in a traditional IRA if possib...
by Brantley
Wed Apr 30, 2014 9:49 pm
Forum: Personal Consumer Issues
Topic: Suit [for wedding]
Replies: 57
Views: 4730

Re: Suit [for wedding]

To answer my own question, they are made in China per the owner.
by Brantley
Wed Apr 30, 2014 5:25 pm
Forum: Personal Consumer Issues
Topic: Suit [for wedding]
Replies: 57
Views: 4730

Re: Suit [for wedding]

Do you know where their suits are made?
by Brantley
Wed Apr 30, 2014 1:58 pm
Forum: Personal Consumer Issues
Topic: Suit [for wedding]
Replies: 57
Views: 4730

Re: Suit [for wedding]

mrsq wrote:J. Crew makes good looking, well-fitting suits in the $300-$400 range.
Comparable to a full canvassed Corneliani (manufacture for PRL) suit?
by Brantley
Wed Apr 30, 2014 1:31 pm
Forum: Personal Consumer Issues
Topic: Suit [for wedding]
Replies: 57
Views: 4730

Re: Suit [for wedding]

nordstroms has an incredible selection and price ranges. if you can wait till the sale in july most suits are 50% off. lots of styles from classical, to the current styles of narrow and short. ralph lauren, hugo boss and higher end the other benefit is the free alterations. they have fantastic tail...

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