Search found 33 matches

by MrFlish
Sat Jul 08, 2017 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: Why is it wrong to hold both? [Total Stock Market and 500 index]
Replies: 29
Views: 3462

Re: Why is it wrong to hold both? [Total Stock Market and 500 index]

P.S. You may be confused by advice against overlap in actively managed funds . Actively managed funds charge high expense ratios, often over 1.00%, to get the (supposed) stock-picking insights and expertise of highly-paid managers. Each manager has his own ideas, no two agree on which are the best ...
by MrFlish
Fri Jul 07, 2017 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: Why is it wrong to hold both? [Total Stock Market and 500 index]
Replies: 29
Views: 3462

Re: Why is it wrong to hold both? [Total Stock Market and 500 index]

Why is it wrong, or a bad idea to hold both Vanguard Total Stock Market Index (VTSAX) and Vanguard 500 index (VFIAX)? Maybe if you told us why you think this, someone could explain why it might have been less than optimal in a certain circumstance. I probably should have posed the question without ...
by MrFlish
Fri Jul 07, 2017 11:43 am
Forum: Investing - Help with Personal Investments
Topic: Why is it wrong to hold both? [Total Stock Market and 500 index]
Replies: 29
Views: 3462

Why is it wrong to hold both? [Total Stock Market and 500 index]

Why is it wrong, or a bad idea to hold both Vanguard Total Stock Market Index (VTSAX) and Vanguard 500 index (VFIAX)?
by MrFlish
Wed May 17, 2017 7:46 am
Forum: Investing - Help with Personal Investments
Topic: ROTH Conversion Goal
Replies: 13
Views: 1052

Re: ROTH Conversion Goal

Should you strive to convert all of your tax deferred dollars to ROTH before you reach RMD's? This question has been a key focus of my retirement planning this year. Based on my analysis I suggest you convert as much as you can but there is an upper limit-- don't convert to a higher tax rate now th...
by MrFlish
Wed May 17, 2017 7:38 am
Forum: Investing - Help with Personal Investments
Topic: ROTH Conversion Goal
Replies: 13
Views: 1052

Re: ROTH Conversion Goal

Ok...that makes sense. I've now got to estimate what our income and RMD might be when we reach that threshold.
by MrFlish
Wed May 17, 2017 5:32 am
Forum: Investing - Help with Personal Investments
Topic: ROTH Conversion Goal
Replies: 13
Views: 1052

ROTH Conversion Goal

Should you strive to convert all of your tax deferred dollars to ROTH before you reach RMD's?
by MrFlish
Wed May 17, 2017 5:28 am
Forum: Investing - Theory, News & General
Topic: Best argument you've heard against passive/for active?
Replies: 49
Views: 4909

Re: Best argument you've heard against passive/for active?

sschullo wrote:
avalpert wrote:
KlangFool wrote:
nura wrote:
stlutz wrote:

"so-called active managed fund universe, where I can imagine those hyperactive managers pick stocks like Jim Cramer."



Ok...that made me laugh...
by MrFlish
Tue May 16, 2017 4:17 am
Forum: Investing - Theory, News & General
Topic: What Will Burst the Next Bubble?
Replies: 66
Views: 7507

Re: What Will Burst the Next Bubble?

I understand that, and I'm not asking anyone to predict when. My point is that with all the posts I read asking, "Where should I park my cash?" and "Should I wait to invest," it seems like people would have a specific, underlying issue to point to other than the fact that the ma...
by MrFlish
Tue May 16, 2017 4:14 am
Forum: Investing - Theory, News & General
Topic: Best argument you've heard against passive/for active?
Replies: 49
Views: 4909

Re: Best argument you've heard against passive/for active?

stlutz wrote:
what are the most convincing arguments people have heard against passive investing or in favor of active investing?


Vanguard Wellington



+1
by MrFlish
Fri May 12, 2017 3:04 pm
Forum: Investing - Help with Personal Investments
Topic: VTIAX in a tax deferred account?
Replies: 7
Views: 1137

Re: VTIAX in a tax deferred account?

Thanks to all for the assistance. Its helped clear up the nagging questions in my head. Looking forward to retirement and all of the new exciting discoveries along the way.
by MrFlish
Thu May 11, 2017 8:35 pm
Forum: Investing - Help with Personal Investments
Topic: VTIAX in a tax deferred account?
Replies: 7
Views: 1137

Re: VTIAX in a tax deferred account?

Thanks for the links and the insights. A bit more info on my situation should clear up some of the options offered. I'm in the process of retiring over the next 30 days. I'm going to transfer funds shortly thereafter from my tax deferred 401 to an existing tax deferred IRA. My plan will be to use so...
by MrFlish
Thu May 11, 2017 7:49 pm
Forum: Investing - Help with Personal Investments
Topic: VTIAX in a tax deferred account?
Replies: 7
Views: 1137

VTIAX in a tax deferred account?

Struggling to find info advising which account I should use for international funds such as VTIAX. Is there an advantage to holding the fund in a deferred vs a taxable account?
by MrFlish
Tue Apr 04, 2017 2:32 pm
Forum: Investing - Theory, News & General
Topic: 3 legs
Replies: 10
Views: 1694

3 legs

Pros and cons? Set 1 Vanguard Wellington, Admiral, VWENX-40% Vanguard Wellesley, Admiral,VWIAX-30% Vanguard Total Stock Mkt. Index, Admiral, VTSAX-30% VS. Set 2 Vanguard Total Stock Mkt. Index, Admiral, VTSAX-60% Vanguard, Total Bond Mkt. Index, Admiral, VBTLX-40% or Set 3 Vanguard Total Stock Mkt. ...
by MrFlish
Tue Apr 04, 2017 5:44 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Building
Replies: 0
Views: 247

Portfolio Building

We have about 1/3 ($500k) of our current tax deferred portfolio in Wellington (VWENX) and are planning on rolling over my 401 ($500k) and buying Total Stock Market (VTSAX) in the next 90 days or so. My question is what other funds should I consider for the last third of our portfolio when my wife re...
by MrFlish
Mon Mar 20, 2017 8:37 am
Forum: Investing - Theory, News & General
Topic: Roth Conversion and Strategy
Replies: 25
Views: 2823

Re: Roth Conversion and Strategy

Now, if you have a whole lot in traditional, make sure to look at RMDs and space out your rollovers even if you don't need the money. Better to pay the 25% tax bracket then the higher ones if you are forced to withdraw large amounts later in life.[/quote] This is where I'm looking to get smarter and...
by MrFlish
Mon Mar 20, 2017 8:27 am
Forum: Investing - Theory, News & General
Topic: Roth Conversion and Strategy
Replies: 25
Views: 2823

Re: Roth Conversion and Strategy

As previously mentioned, I don't think there is an ideal percentage. A good guideline would be to try to stay in the 15% tax bracket or lower throughout one's retirement. I like to think in terms of a constant level of spendable income (income after taxes). I agree, this is what we're hoping to be ...
by MrFlish
Sun Mar 19, 2017 6:31 pm
Forum: Investing - Theory, News & General
Topic: Roth Conversion and Strategy
Replies: 25
Views: 2823

Re: Roth Conversion and Strategy

Thanks to everyone for all the great points to consider... I think it's pretty much a given that some conversion is in our future. The bulk of our savings (other than cash) sits in our tax deferred 401's/IRA's and we've got about 3 years to go before we're both going to retire. When they fully come ...
by MrFlish
Sun Mar 19, 2017 7:23 am
Forum: Investing - Theory, News & General
Topic: Roth Conversion and Strategy
Replies: 25
Views: 2823

Re: Roth Conversion and Strategy

Thanks for the info...Will have to get smarter recharacterization as I didn't think we'd need that given the conversions would be done post retirement.
by MrFlish
Sun Mar 19, 2017 6:58 am
Forum: Investing - Theory, News & General
Topic: Roth Conversion and Strategy
Replies: 25
Views: 2823

Roth Conversion and Strategy

Is there an ideal percentage that one should have when holding a Roth and a tax deferred IRA? We are looking at converting some or all of our tax deferred IRA's to Roth's. What are there tactical advantages to having one or both? The conversion would take place post retirement with the primary goal ...
by MrFlish
Fri Mar 03, 2017 7:13 am
Forum: Investing - Help with Personal Investments
Topic: Why would I buy Bonds now?
Replies: 18
Views: 4463

Re: Why would I buy Bonds now?

...Surely buying Bonds in a rising interest rate environment is doomed to losses?... No. The purpose of the following points is not to recommend bonds or urge you to buy them. But I do aim to convince you that there is no slam-dunk certainty, no "doomed to losses." The idea that interest ...
by MrFlish
Mon Feb 20, 2017 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: VBILX vs VBTLX [Vanguard Intermediate-Term vs. Total Bond]
Replies: 49
Views: 6649

Re: VBILX vs VBTLX

Struggling to decide which to partner with VTSAX (60) in a 60/40 portfolio with 10-15 year investment period. Which one of the two would you choose and why? Thanks for the advice... Mr. Flish: Bonds are primarily for safety when the total stock market (VTSAX) plunges. In the last 2008 bear market, ...
by MrFlish
Mon Feb 20, 2017 7:45 pm
Forum: Investing - Help with Personal Investments
Topic: VBILX vs VBTLX [Vanguard Intermediate-Term vs. Total Bond]
Replies: 49
Views: 6649

VBILX vs VBTLX [Vanguard Intermediate-Term vs. Total Bond]

Struggling to decide which to partner with VTSAX (60) in a 60/40 portfolio with 10-15 year investment period. Which one of the two would you choose and why?


Thanks for the advice...
by MrFlish
Thu Feb 16, 2017 9:32 am
Forum: Investing - Help with Personal Investments
Topic: Tax Deferred vs Taxable IRA's
Replies: 8
Views: 721

Tax Deferred vs Taxable IRA's

I'm looking for some clarification on how gains such as, dividends, interest or gains are treated in a tax deferred IRA account versus a taxable IRA. Is it correct to say that any gain created in the tax deferred account is treated as income when it's withdrawn?


Thanks in advance for the help...
by MrFlish
Thu Feb 09, 2017 6:51 pm
Forum: Investing - Help with Personal Investments
Topic: Wow, Vanguard Flagship service is bad. Really bad.
Replies: 170
Views: 29041

Re: Wow, Vanguard Flagship service is bad. Really bad.

These kind of posts sure cause me a ton of anxiety as I'm getting ready to move my investments, (Tax Deferred IRA's) to Vanguard from another firm. Well, if you are completely self reliant, and do not have any complex needs, you will probably be fine. I don't want to scare people off too much. But ...
by MrFlish
Thu Feb 09, 2017 4:03 pm
Forum: Investing - Help with Personal Investments
Topic: Wow, Vanguard Flagship service is bad. Really bad.
Replies: 170
Views: 29041

Re: Wow, Vanguard Flagship service is bad. Really bad.

These kind of posts sure cause me a ton of anxiety as I'm getting ready to move my investments, (Tax Deferred IRA's) to Vanguard from another firm.
by MrFlish
Thu Feb 09, 2017 11:20 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Opinions and Thoughts
Replies: 8
Views: 587

Re: Portfolio Opinions and Thoughts

Great points... I'm think I'm going to stay away from the international section presently. Not sure I can make a good argument why other than I don't have a lot of confidence in the section based on my gut reaction to current events. If I were to make any adjustments it might be moving the AA to 40/...
by MrFlish
Thu Feb 09, 2017 8:37 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Opinions and Thoughts
Replies: 8
Views: 587

Portfolio Opinions and Thoughts

Hello, I'm preparing to transfer my 401 upon retirement this year, to an IRA. One of the portfolio options I'm considering is shown below. I wanted to get some feedback and thoughts from the community. Assumptions: Portfolio initial balance ~1.3mm Objective is biased towards captial preservation whi...
by MrFlish
Tue Jan 17, 2017 9:21 pm
Forum: Investing - Help with Personal Investments
Topic: Fund Overlap
Replies: 4
Views: 390

Re: Fund Overlap

Ok...that makes sense. So VTSAX spreads and covers all the bases. Same approach with the total bond index... I'm beginning the process of moving a FA managed IRA (old 401) of 5 Franklin-Templeton funds to a simpler, less expensive Vanguard Index approach. When I retire later this year I plan on tran...
by MrFlish
Tue Jan 17, 2017 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: Fund Overlap
Replies: 4
Views: 390

Fund Overlap

I'm trying to understand the pro & cons, if any, concerning fund overlap. The two funds I'm comparing are Vanguard Total Stock Market Index (VTSAX) and Vanguard 500 Index (VFIAX). I'm not sure I understand why I should or should not hold both of these funds. Thanks in advance for the assistance.
by MrFlish
Mon Jan 02, 2017 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on our Portfolio
Replies: 2
Views: 453

Re: Thoughts on our Portfolio

Our annual expenses are 70-80k We just paid the house off so we're now work to build a cash reserve equaling 3 years worth of expenses, (70-80K). We started saving pretty late and cash flow the children thru college so our combined income is only now really giving us some solid traction. Looks like ...
by MrFlish
Mon Jan 02, 2017 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on our Portfolio
Replies: 2
Views: 453

Thoughts on our Portfolio

My wife and I have approx. 1.2 million in 3 tax deferred accounts, 2 401's and one IRA transfer from a previous employer. We have no other investments and have no debt. We're likely going to retire in < 5 years. I'd like to eventually transfer these accounts to Vanguard and re-baseline our plan with...
by MrFlish
Mon Jan 02, 2017 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: Investment suggestions
Replies: 4
Views: 487

Re: Investment suggestions

Thanks for the help...I'm putting together the data suggested in order to provide a better understanding of our situation and will post the edit it shortly.
by MrFlish
Sun Jan 01, 2017 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Investment suggestions
Replies: 4
Views: 487

Investment suggestions

My wife and I have approx. 1.2 million in 3 tax deferred accounts, 2 401's and one IRA transfer from a previous employer. We have no other investments and have no debt. We're likely going to retire in < 5 years. I'd like to transfer these accounts to Vanguard and re-baseline our plan with index fund...