Search found 31 matches

by CnC
Fri Jun 23, 2017 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: Lump sum investing in stocks vs. DCA
Replies: 36
Views: 1497

Re: Lump sum investing in stocks vs. DCA

To play devil's advocate here. :beer

Unless you invest at a peak, because I don't think a soul ouu there would be happier if the invested a lump sum in early 2000 or early 2008 than if they spread that same dollar figure out.


So all you need is a crystal ball and you will be all set.
by CnC
Fri Jun 23, 2017 12:01 pm
Forum: Investing - Help with Personal Investments
Topic: Is my pension a Fixed asset?
Replies: 32
Views: 1825

Re: Is my pension a Fixed asset?

Thanks for all the responses. The Crux of my problem is this. Why hold bonds? To decrease volatility, to make sure a crash doesn't happen at the "wrong time" where you are forced to sell stocks at a loss to pay bills, to help you stomach big drops with out panicking. And finally, to ensure...
by CnC
Fri Jun 23, 2017 11:46 am
Forum: Investing - Help with Personal Investments
Topic: What are some good international funds to hold in a taxable account?
Replies: 6
Views: 575

What are some good international funds to hold in a taxable account?

I was wondering if most international etf's and or index funds were created equal from a tax standpoint. I'm looking for a way to increase my international holdings without being clobbered by international income taxes and regular income taxes. Or would it be better to rebalance my rax advantaged ac...
by CnC
Thu Jun 15, 2017 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: Is my pension a Fixed asset?
Replies: 32
Views: 1825

Is my pension a Fixed asset?

I ran into an other poster asking for investment strategy in addition to his pension and some of the answers got me thinking. Is a pension a Fixed asset? :?: I personally always considered my pension an annuity. Our pensions website even has a handy little annuity calculator that gives me the value ...
by CnC
Thu Jun 15, 2017 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: With guaranteed pension, should 403(b) investments be more aggressive or more conservative?
Replies: 33
Views: 1706

Re: With guaranteed pension, should 403(b) investments be more aggressive or more conservative?

Many thanks for all the quick and informative replies. I'm particularly grateful for the ability/willingness/need rubric. I think I have good ability and willingness but on reflection I may not have thought enough about my actual need. I'm not particularly thrilled with the reminders that my guaran...
by CnC
Thu Jun 15, 2017 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: With guaranteed pension, should 403(b) investments be more aggressive or more conservative?
Replies: 33
Views: 1706

Re: With guaranteed pension, should 403(b) investments be more aggressive or more conservative?

Planning must recognize that the pension is not guaranteed, but rather promised. And promises have and will be broken depending on the state or municipality. For example, NJ, my state, has no possibility of meeting it's promises and Illinois less than that. I would argue it is as guaranteed as any ...
by CnC
Thu Jun 15, 2017 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: With guaranteed pension, should 403(b) investments be more aggressive or more conservative?
Replies: 33
Views: 1706

Re: With guaranteed pension, should 403(b) investments be more aggressive or more conservative?

Is the pension inflation adjusted? That's important. I would still go 60/40 stock/bonds for the duration (your whole life). I'm too nervous for 100%. I have pensions/fixed annuities (not COLA'd) and that's what lets me sleep OK. Do you really want a vanilla 25% correction to cause a $quarter-millio...
by CnC
Thu Jun 15, 2017 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: With guaranteed pension, should 403(b) investments be more aggressive or more conservative?
Replies: 33
Views: 1706

Re: With guaranteed pension, should 403(b) investments be more aggressive or more conservative?

I'm in the same boat, but I'm about 15 years younger. The way I look at it is figure how much you have in total assets. Look at your pension as an annuity you are investing in each year. My pension has a annuity dollar figure attached to it, I'm sure yours does also. I'm ballparking numbers here but...
by CnC
Thu Jun 08, 2017 11:21 am
Forum: Investing - Help with Personal Investments
Topic: Moving from Edward Jones to Fidelity - Pros/Cons of Index funds
Replies: 12
Views: 1196

Re: Moving from Edward Jones to Fidelity - Pros/Cons of Index funds

I left, it was very wise. But just be aware that ED is going to hammer you with fees. I'm a bit different than the other investors here, but I am newer so I may change my ways. But I think an 80:20 passive index fund stock breakdown is the most enjoyable. I think of it as fun money, put the bulk 80-...
by CnC
Thu Jun 08, 2017 10:39 am
Forum: Investing - Theory, News & General
Topic: 100% Stock Portfolio?
Replies: 138
Views: 6681

Re: 100% Stock Portfolio?

I think all stocks makes slot of sense at lower dollar amounts where your contributions still account for the majority of growth. My justification is that if I have $300k and am putting $30k in a year a $60k loss will be overcome by new stock purchases. But once u hit 3mil and are still putting $30...
by CnC
Thu Jun 08, 2017 10:03 am
Forum: Investing - Theory, News & General
Topic: 100% Stock Portfolio?
Replies: 138
Views: 6681

Re: 100% Stock Portfolio?

I think all stocks makes slot of sense at lower dollar amounts where your contributions still account for the majority of growth. My justification is that if I have $300k and am putting $30k in a year a $60k loss will be overcome by new stock purchases. But once u hit 3mil and are still putting $30k...
by CnC
Thu Jun 01, 2017 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Accidental Contribution to IRA
Replies: 7
Views: 560

Re: Accidental Contribution to IRA

I'm assuming you are not married?

Not to be too nosey but how much do you make (ballpark) because you do not make that much more than the cutoff you can put $18,000 into a employer 401k and possibly get below the cutoff.
by CnC
Tue May 30, 2017 7:19 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio at EJ but have regrets now
Replies: 37
Views: 3077

Re: Portfolio at EJ but have regrets now

They have been forced by a new law to change their fee approach from load funds and high expense ratio fund picks (with annual 12b-1 fees going to EJ), to basically an assets under management (AUM) fee like your 1.35% per year. Maybe you won't be paying very much more than than under their old syst...
by CnC
Fri May 26, 2017 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: edward jones guided solutions/grandfathered
Replies: 18
Views: 2376

Re: edward jones guided solutions/grandfathered

Fidelity actually will pay you to close your Ed Jones account. I am breaking up with my Ed Jones broker today and I already spoke with Fidelity, they will pay up to $80 in closure costs when I switch over. :beer If you go with Fidelity I suggest you invest your "stock money" in FUSVX s&...
by CnC
Wed May 24, 2017 2:54 pm
Forum: Investing - Theory, News & General
Topic: American Funds beat out Vanguard Index over lifetime?
Replies: 63
Views: 7287

Re: American Funds beat out Vanguard Index over lifetime?

You can't say that it is pure luck that this actively managed fund beat the index and we should ignore past performance and in the same breath point out that passively managed accounts beat most active ones and are thereforeā€‹ better based on past performance. The idea is that index funds usually wi...
by CnC
Wed May 24, 2017 1:45 pm
Forum: Investing - Theory, News & General
Topic: American Funds beat out Vanguard Index over lifetime?
Replies: 63
Views: 7287

Re: American Funds beat out Vanguard Index over lifetime?

Interesting, as logical as the folks here appear to be there seems to be a deep seated hatred of actively managed funds. To me it seems like some people are ignoring results with one hand then grasping them with the other. You can't say that it is pure luck that this actively managed fund beat the i...
by CnC
Wed May 24, 2017 8:52 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity and their "free advisor" service?
Replies: 34
Views: 3161

Re: Fidelity and their "free advisor" service?

I certainly understand that their advice may be colored, I plan on talking any decisions he makes over with him. I believe we plan to use this resource less as a investment guidence and more as a double check on our decisions. While I'm on the subject what is a good mix ratio of a 60's man who is cu...
by CnC
Tue May 23, 2017 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity and their "free advisor" service?
Replies: 34
Views: 3161

Re: Fidelity and their "free advisor" service?

Be very very leery. There are many posts about the garbage that Fidelity advisors sales reps have advised customers to buy. I suppose that at the outset you can tell them: "Never ever call me. I will only invest in index funds. Never ever try to get me to invest in something that is not an ind...
by CnC
Tue May 23, 2017 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity and their "free advisor" service?
Replies: 34
Views: 3161

Fidelity and their "free advisor" service?

Thanks to you guys I ditched Edward Jones before they could steal much of my money. :beer I recently sat down with my father and explained just how bad Edward Jones was treating him. He was very receptive of changing. I know this is a Pro - Vanguard group but everyone here seems pretty open and hone...
by CnC
Fri May 19, 2017 1:15 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones vs Vanguard self managed
Replies: 29
Views: 2078

Re: Edward Jones vs Vanguard self managed

He also told me about the "new fiduciary rules" that take effect on June 9th will cause me to not to be able to move around my fund balances within Vanguard if I were to do all the work with Vanguard myself. Can the other members please explain me what the EJ guy is trying to tell here? I...
by CnC
Fri May 19, 2017 1:10 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones vs Vanguard self managed
Replies: 29
Views: 2078

Re: Edward Jones vs Vanguard self managed

I just got off the phone with my Edward Jones guy who told me the 1.44 % fee I am being charged is worth it because my account is continuously being re-balanced and that the return thus far for the year is 5.39 %. So according to him he is providing me with a well worth it service. He also told me ...
by CnC
Fri May 19, 2017 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: My dad is taking Social Security at 62, why would anyone not? (If they already quit working)
Replies: 114
Views: 14945

Re: My dad is taking Social Security at 62, why would anyone not? (If they already quit working)

Thanks for all the replies and the condolences. I realize my title and opening post may have come across as a bit inflamitory. But it was not meant as such. Ultimately i guess it is up to the person and the situation, it sounds like even if my math isn't completely accurate most people agree that he...
by CnC
Fri May 19, 2017 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: My dad is taking Social Security at 62, why would anyone not? (If they already quit working)
Replies: 114
Views: 14945

Re: My dad is taking Social Security at 62, why would anyone not?

Your conclusion seems so out of whack from what most people say because your assumption discounting future cash flows by the inflation rate is faulty. The number on the annual statement is adjusted for inflation each year after age 62. Please consider other factors such as current and near-term hea...
by CnC
Fri May 19, 2017 11:42 am
Forum: Investing - Help with Personal Investments
Topic: My dad is taking Social Security at 62, why would anyone not? (If they already quit working)
Replies: 114
Views: 14945

Re: My dad is taking Social Security at 62, why would anyone not?

I am not going to address your general question because, as a widower who stopped working young, your dad has some very special options you are not taking into account. He can start collecting as a surviving spouse as early as age 60 AND allow his own record retirement benefits to grow through age ...
by CnC
Fri May 19, 2017 11:27 am
Forum: Investing - Help with Personal Investments
Topic: My dad is taking Social Security at 62, why would anyone not? (If they already quit working)
Replies: 114
Views: 14945

My dad is taking Social Security at 62, why would anyone not? (If they already quit working)

My dad retired with a pension at 55. He is recently widowed approximately 1 year now and living on his own. He is looking forward to taking Social Security at 62. I personally think it is a good idea, but most of what I have read says otherwise. But, looking at the math I cannot find any good reason...
by CnC
Wed May 17, 2017 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: New member retirement Check Up
Replies: 12
Views: 874

Re: New member retirement Check Up

Thanks for the replies guys. I guess with everything I wrote my actual questions got lost in the mix. 3) At what point does high fees counter the advantage of before tax deductions? I hope this clarifies what I am looking for, I have lots of other questions but I'm just trying to get the basics str...
by CnC
Wed May 17, 2017 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: Just executed backdoor Roth at Vanguard, my review
Replies: 9
Views: 866

Re: Just executed backdoor Roth at Vanguard, my review

A bit off topic but since you said how easy it was perhaps they answered this question for you. I'm confused on the tax implications. Say you put $5500 in an IRA then convert it to a roth, doesn't it increase your magi by 5500 that year incurring a +-$1300 dollar tax penalty? Everything I have read ...
by CnC
Wed May 17, 2017 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: New member retirement Check Up
Replies: 12
Views: 874

Re: New member retirement Check Up

Thanks for the replies guys. I guess with everything I wrote my actual questions got lost in the mix. Here they are short and sweet. 1) I want to retire at 55 is there more that I need to do? Is there any big holes, or am I going overboard already. 2) I have a lot of money (for me) coming due in a C...
by CnC
Wed May 17, 2017 10:36 am
Forum: Investing - Help with Personal Investments
Topic: New member retirement Check Up
Replies: 12
Views: 874

Re: New member retirement Check Up

I'm just wondering, is this the correct forum for this kind of question? Or is there a specific section for the big overall give me a check on my full portfolio questions?


It seems like most questions on this board are aimed at specific answers.
by CnC
Wed May 17, 2017 8:53 am
Forum: Investing - Help with Personal Investments
Topic: REITs in Roth and Taxable Accounts
Replies: 22
Views: 6771

Re: REITs in Roth and Taxable Accounts

Very foolish question but these REITs that we are taking about are just stocks that own reality properties such as "O" Realty Income Corp correct?


Or are they something all together different?
by CnC
Wed May 17, 2017 12:53 am
Forum: Investing - Help with Personal Investments
Topic: New member retirement Check Up
Replies: 12
Views: 874

New member retirement Check Up

Hey everyone CnC here I am new here and to the world of investing. I could use some tips and or reassurance on my plans. I hope I followed the rules, here is the template: Emergency funds: yes we have this Debt: not a penny Tax Filing Status: (Married Filing Jointly with Dependent Children - 2 young...

Go to advanced search