Search found 15 matches

by LeonGTR
Sat Aug 12, 2017 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: What Short-term investment option?
Replies: 12
Views: 1046

Vanguard Annuity?

[Thread merged into here, see below. --admin LadyGeek] Some background on my issue is in an earlier thread here. https://www.bogleheads.org/forum/viewtopic.php?f=1&t=225466 After consulting with their CPA, they decided it is better after all to rollover to another variable annuity while withdrawing...
by LeonGTR
Fri Aug 11, 2017 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: What Short-term investment option?
Replies: 12
Views: 1046

Re: What Short-term investment option?

Okay thank you, I will bring up the Online savings or CD route. Which probably sounds like the best option, I don't think they ever used an online only bank before, just hope it isn't a hassle to withdraw when the time comes.
by LeonGTR
Thu Aug 10, 2017 10:57 pm
Forum: Investing - Help with Personal Investments
Topic: What Short-term investment option?
Replies: 12
Views: 1046

What Short-term investment option?

My parents' variable annuity recently matured. After a long while, my mom decided not to rollover to a new annuity that the FA had ready to sell to her. She was initially in favor of rolling over due to tax concerns, but after looking at the fees and the long timeline of withdrawing she figure she w...
by LeonGTR
Sat Apr 09, 2016 7:53 pm
Forum: Investing - Theory, News & General
Topic: Why not iShares Core Total USD Bond Market ETF (IUSB)?
Replies: 12
Views: 2401

Re: Why not iShares Core Total USD Bond Market ETF (IUSB)?

Any new thoughts on this ETF? Was thinking of adding this as a one stop shop for Bond Etf in my taxable as my current tax bracket it doesn't make much sense for muni bonds. I wanted to add a small allocation to Junk bonds to BND so it seems like a perfect one stop shop and simplify my portfolio.
by LeonGTR
Tue Oct 06, 2015 1:39 am
Forum: Personal Finance (Not Investing)
Topic: IBM Trusteer Rapport?
Replies: 1
Views: 356

IBM Trusteer Rapport?

In my BofA Security Center, I noticed in a side bar they were offering this as a "Free fraud-protection software". I already just finished enabling the 2 Factor Authentication so i'm wondering if this software is actually useful and if so is it relatively hassle free to run?
by LeonGTR
Fri Sep 25, 2015 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: Does anyone invest with HSBC
Replies: 14
Views: 1779

Re: Does anyone invest with HSBC

Is tax loss harvesting worth the 1% or more in fees that a financial advisor normally charges you? I recently got out from under my financial adviser that was charging 1.25% that was managing my portfolio and was making suggestions that starting to not be beneficial for me but for him. To his credit...
by LeonGTR
Sat Sep 19, 2015 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Free Kindle Downloads Today
Replies: 49
Views: 5670

Re: Free Kindles Today

Thanks for the free e-books!
by LeonGTR
Sat Aug 29, 2015 1:08 pm
Forum: Investing - Help with Personal Investments
Topic: Logic Check - Purpose of bonds in MY portfolio
Replies: 13
Views: 5624

Re: Logic Check - Purpose of bonds in MY portfolio

Hello, I'm new to this forum as well and came here seeking advice and researching for answers from the knowledgeable wiki. I'm about 10 years younger then you but I have settled for a 80/20 Stock/Bond asset allocation. I feel Bonds at our age is all about how well you can sleep at night, knowing it ...
by LeonGTR
Wed Aug 26, 2015 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: New Boglehead seeking advice!
Replies: 20
Views: 1933

Re: New Boglehead seeking advice!

That was in a taxable account, Vanguard Short-Term Bond Index Fund Admiral Shares (VBIRX) ER 0.10% would be a little more tax-efficient meaning that you lose less of your earnings to income taxes. Wiki article, "Principles of tax-efficient fund placement" . Vanguard Total Bond Market Inde...
by LeonGTR
Mon Aug 24, 2015 4:37 pm
Forum: Investing - Help with Personal Investments
Topic: Dealing with a sell off as a young investor
Replies: 13
Views: 1549

Re: Dealing with a sell off as a young investor

I myself just sold most of my numerous and confusing positions on Friday in order to transfer my money from my old "Wealth Management" advisor to my new Vanguard brokerage account. Mailing out the paperwork today, I just only hope that the money arrives fast enough that I can start reinves...
by LeonGTR
Sun Aug 23, 2015 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: New Boglehead seeking advice!
Replies: 20
Views: 1933

Re: New Boglehead seeking advice!

I suggest that the rest of the $200k be transferred to a taxable account at Vanguard. I think I would at least keep the money in my bank accounts out from investing for the time being. I suggest Admiral shares, they do have ERs just as low as ETFs. You need $10k in each fund for the initial minimum...
by LeonGTR
Sat Aug 22, 2015 5:49 pm
Forum: Investing - Help with Personal Investments
Topic: New Boglehead seeking advice!
Replies: 20
Views: 1933

Re: New Boglehead seeking advice!

Great! I hope those aggressive holdings didn't take a disproportionate hit in today's down market. But either way you will forget about it in years to come, and you probably enjoyed a good upward ride. Excellent move! Eh, it kinda signed them, was up $2k in unrealized gains in total at the beginnin...
by LeonGTR
Fri Aug 21, 2015 6:17 pm
Forum: Investing - Help with Personal Investments
Topic: New Boglehead seeking advice!
Replies: 20
Views: 1933

Re: New Boglehead seeking advice!

Wow, even more responses! Well I have already let go my financial advisor, he says he understands my decision and all and didn't try to convince me to stay, as Meg says he probably not too overly concerned with me leaving. He did say I can talk to him or his associates in the future if I wanted to t...
by LeonGTR
Mon Aug 17, 2015 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: New Boglehead seeking advice!
Replies: 20
Views: 1933

Re: New Boglehead seeking advice!

Thanks for your replies Benne and Protagonist! As I'm currently not working right now, I don't think its possible for me to open up a Roth IRA and put money in there, since it needs to be earned income and I don't believe gifted money counts to that. Is there any particular advantage trading with Va...
by LeonGTR
Mon Aug 17, 2015 1:04 am
Forum: Investing - Help with Personal Investments
Topic: New Boglehead seeking advice!
Replies: 20
Views: 1933

New Boglehead seeking advice!

Hello, I am a 23 year old that has recently gotten interested in my personal finances. I'm still a student, but I'm going graduate with an AA degree in the Fall quarter and planning to get a job, hopefully finding something I'm interested in and finally stop floundering around unmotivated in communi...