Search found 31 matches

by Mstrmcky
Thu Apr 27, 2017 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: Now That my advisor is gone..
Replies: 9
Views: 1812

Re: Now That my advisor is gone..

FUSVX tracks the S&P 500 index. You should be able to keep this fund as part of the US stock portion, but stop adding new money into that fund because the total stock index fund tracks better the entire US stock market. If you have a chance to sell off FUSVX during a recession without much capi...
by Mstrmcky
Wed Apr 26, 2017 9:41 am
Forum: Investing - Help with Personal Investments
Topic: Now That my advisor is gone..
Replies: 9
Views: 1812

Re: Now That my advisor is gone..

Hey Tyler, I don't mind being aggressive at all FUSVX tracks the S&P 500 index. You should be able to keep this fund as part of the US stock portion, but stop adding new money into that fund because the total stock index fund tracks better the entire US stock market. If you have a chance to sel...
by Mstrmcky
Tue Apr 25, 2017 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: Now That my advisor is gone..
Replies: 9
Views: 1812

Re: Now That my advisor is gone..

Hey Tyler, Thanks for the info. I have been investing for most of my adult life. Until now 80% of it had been with an advisor. If you look in my first post here. I have a link to my prior thread that breaks it all down. Since I already have a bit of FUSVX in my account. I think i will keep that.. Do...
by Mstrmcky
Tue Apr 25, 2017 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: Now That my advisor is gone..
Replies: 9
Views: 1812

Now That my advisor is gone..

Hey Guys, Wanted to start a new post as a follow up to my Previous post "27yr curious about my investment personel and strategy" https://www.bogleheads.org/forum/viewtopic.php?f=1&t=213158 Now that my advisor and 3rd party money management firm have been removed from my Fidelity Acct. ...
by Mstrmcky
Mon Apr 24, 2017 8:52 pm
Forum: Investing - Help with Personal Investments
Topic: 27yr curious about my investment personel and strategy
Replies: 60
Views: 6132

Re: 27yr curious about my investment personel and strategy

Now That things are in motion I am looking to get this moving towards a simple portfolio. Do you guys have any suggestions on 3 fund portfolios at Fidelity that differ at all from the one https://www.bogleheads.org/wiki/Fidelity Or does everyone stick pretty close to that? I already own a fair share...
by Mstrmcky
Thu Apr 20, 2017 2:49 pm
Forum: Investing - Help with Personal Investments
Topic: 27yr curious about my investment personel and strategy
Replies: 60
Views: 6132

Re: 27yr curious about my investment personel and strategy

Edited for brevity. Also I'd love to start some Discussions again on Funds and Allocation that would be suggested in a simple portfolio (3-4 fund portfolios could work, or maybe slightly more than that. Would love to hear thoughts ) Regarding portfolios, wouldn't it be nice to have something absolu...
by Mstrmcky
Wed Apr 19, 2017 3:40 pm
Forum: Investing - Help with Personal Investments
Topic: 27yr curious about my investment personel and strategy
Replies: 60
Views: 6132

Re: 27yr curious about my investment personel and strategy

So! The Conversation has been had, and the process of having the 3rd party money management firm and my advisor removed from my fidelity account is in process. ( They said it takes a few days to finalize it all) Still need to make a couple decisions on my Indexed Universal Life insurance plan.. But...
by Mstrmcky
Tue Apr 18, 2017 8:03 pm
Forum: Investing - Help with Personal Investments
Topic: 27yr curious about my investment personel and strategy
Replies: 60
Views: 6132

Re: 27yr curious about my investment personel and strategy

Why is there a whole life policy? Wife? Kids? Those mutual fund expense ratios are outrageous. Did I see front-end loads? :oops: Start reading https://www.bogleheads.org/wiki/Getting_started so you can take charge of your finances. The wiki/forum will teach you to construct a three-fund tax-efficie...
by Mstrmcky
Tue Apr 18, 2017 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: 27yr curious about my investment personel and strategy
Replies: 60
Views: 6132

Re: 27yr curious about my investment personel and strategy

So! The Conversation has been had, and the process of having the 3rd party money management firm and my advisor removed from my fidelity account is in process. ( They said it takes a few days to finalize it all) Still need to make a couple decisions on my Indexed Universal Life insurance plan.. But ...
by Mstrmcky
Sat Apr 08, 2017 1:46 pm
Forum: Investing - Help with Personal Investments
Topic: 27yr curious about my investment personel and strategy
Replies: 60
Views: 6132

Re: 27yr curious about my investment personel and strategy

Getting ready to have a / the conversation with my advisor this week. Any last minute advice? The personal aspect of this has been the hardest part to accept. But you guys have laid out so much good info for me. That it's hard to see any positive in keeping this business relationship. " my &quo...
by Mstrmcky
Tue Apr 04, 2017 11:34 am
Forum: Investing - Help with Personal Investments
Topic: 27yr curious about my investment personel and strategy
Replies: 60
Views: 6132

Re: 27yr curious about my investment personel and strategy

Hey All, Thanks again for the reply. I have been out of the country for a couple weeks and had to take a break from this, but am back at the research now.. Funny thing has it my "Advisor" sent out their compliance forms for the year. ( first time i have seen this.. ) and looks as if he / t...
by Mstrmcky
Mon Mar 13, 2017 12:11 pm
Forum: Investing - Help with Personal Investments
Topic: 27yr curious about my investment personel and strategy
Replies: 60
Views: 6132

Re: 27yr curious about my investment personel and strategy

This tool may give you a better representation of the difference that expenses make. I have used 2 of your funds with 100,000 investment over 20 years along with Vanguard total stock market fund. The difference in cost is staggering. Just hit the show results button. http://apps.finra.org/fundanaly...
by Mstrmcky
Sun Mar 12, 2017 2:08 pm
Forum: Investing - Help with Personal Investments
Topic: 27yr curious about my investment personel and strategy
Replies: 60
Views: 6132

Re: 27yr curious about my investment personel and strategy

This tool may give you a better representation of the difference that expenses make. I have used 2 of your funds with 100,000 investment over 20 years along with Vanguard total stock market fund. The difference in cost is staggering. Just hit the show results button. http://apps.finra.org/fundanaly...
by Mstrmcky
Sun Mar 12, 2017 8:49 am
Forum: Investing - Help with Personal Investments
Topic: 27yr curious about my investment personel and strategy
Replies: 60
Views: 6132

Re: 27yr curious about my investment personel and strategy

This tool may give you a better representation of the difference that expenses make. I have used 2 of your funds with 100,000 investment over 20 years along with Vanguard total stock market fund. The difference in cost is staggering. Just hit the show results button. http://apps.finra.org/fundanaly...
by Mstrmcky
Sat Mar 11, 2017 6:10 pm
Forum: Investing - Help with Personal Investments
Topic: 27yr curious about my investment personel and strategy
Replies: 60
Views: 6132

Re: 27yr curious about my investment personel and strategy

Hey guys, Thank you all for your help and insight thus far I really appreciate it. I have a question for those who use / have used portfolio visualizer. Is there a way to calculate the fund fees / loads into your calculations? I see a drop down menu for Fees but no options in it.. When i calculate m...
by Mstrmcky
Sat Mar 11, 2017 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: 27yr curious about my investment personel and strategy
Replies: 60
Views: 6132

Re: 27yr curious about my investment personel and strategy

dwickenh wrote:Do yourself a favor and read a little guide on investing that has helped me. Paul has responded to your post and has written an excellent guide for free.

Access it at http://investingessentials.blogspot.com/

Good luck in your investing, and you are well on your way to success.

Dan


Thanks Dan!
by Mstrmcky
Sat Mar 11, 2017 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: 27yr curious about my investment personel and strategy
Replies: 60
Views: 6132

Re: 27yr curious about my investment personel and strategy

Great. Since you are in 25% bracket you may need to think about taxes. It depends. First add up all the unrealized losses. You can sell all of these lots. Next add as much unrealized gain as you have unrealized losses. You can sell all of these lots too. Do you have more gains than losses? If so, d...
by Mstrmcky
Sat Mar 11, 2017 5:38 pm
Forum: Investing - Help with Personal Investments
Topic: 27yr curious about my investment personel and strategy
Replies: 60
Views: 6132

Re: 27yr curious about my investment personel and strategy

Staying with Fidelity is a great option, you'll just have to move over to an individually managed brokerage account, which is easy to do. If you're already familiar with their website it makes the transition that much easier and Fidelity has plenty of great low-cost ETFs. We're the same age (27) an...
by Mstrmcky
Fri Mar 10, 2017 10:13 am
Forum: Investing - Help with Personal Investments
Topic: 27yr curious about my investment personel and strategy
Replies: 60
Views: 6132

Re: 27yr curious about my investment personel and strategy

It is important that you give instructions to your FA and the money manager immediately to stop any trading activity on your accounts and to stop reinvesting dividends. You must revoke this permission now to stop the bleeding and give you time to think and decide what comes next. It's also importan...
by Mstrmcky
Fri Mar 10, 2017 9:58 am
Forum: Investing - Help with Personal Investments
Topic: 27yr curious about my investment personel and strategy
Replies: 60
Views: 6132

Re: 27yr curious about my investment personel and strategy

A good order of next steps for the next 2 weeks would be: This weekend/next week: 1. Choose your next brokerage. Picking one of Schwab, Fidelity, TD Ameritrade, or Vanguard would simplify the process. I now do all my investing through Vanguard, but if Schwab and Fidelity had the same low costs and ...
by Mstrmcky
Fri Mar 10, 2017 9:54 am
Forum: Investing - Help with Personal Investments
Topic: 27yr curious about my investment personel and strategy
Replies: 60
Views: 6132

Re: 27yr curious about my investment personel and strategy

Search for one of the weekly how to get out of Edward Jones on here to figure out how to unwind this mess (I know you don't have an account at EJ but the reason and process is the same.) I would not waste time with your advisor any more. He is a salesman. He is not a fiduciary. Figure out where you...
by Mstrmcky
Fri Mar 10, 2017 9:52 am
Forum: Investing - Help with Personal Investments
Topic: 27yr curious about my investment personel and strategy
Replies: 60
Views: 6132

Re: 27yr curious about my investment personel and strategy

Search for one of the weekly how to get out of Edward Jones on here to figure out how to unwind this mess (I know you don't have an account at EJ but the reason and process is the same.) I would not waste time with your advisor any more. He is a salesman. He is not a fiduciary. Figure out where you...
by Mstrmcky
Fri Mar 10, 2017 9:51 am
Forum: Investing - Help with Personal Investments
Topic: 27yr curious about my investment personel and strategy
Replies: 60
Views: 6132

Re: 27yr curious about my investment personel and strategy

Paul[/quote] Well this is never good to hear.. but can't say I'm surprised at this point. This is the "plan" the 3rd Party money management firm (Brinker capital who was hired by my FA ) put in place on my behalf.[/quote] Well, the good part is you are now going to get on the right track. ...
by Mstrmcky
Thu Mar 09, 2017 11:09 pm
Forum: Investing - Help with Personal Investments
Topic: 27yr curious about my investment personel and strategy
Replies: 60
Views: 6132

Re: 27yr curious about my investment personel and strategy

TLDNR: Fire your advisor and invest in a simple index fund strategy. Open an IRA/Roth IRA/Solo 401k. If you don't max out your tax advantaged accounts, at least place your tax-inefficient investments there. Here's a quick summary. The international/domestic equity split could be incorrect because I...
by Mstrmcky
Thu Mar 09, 2017 11:00 pm
Forum: Investing - Help with Personal Investments
Topic: 27yr curious about my investment personel and strategy
Replies: 60
Views: 6132

Re: 27yr curious about my investment personel and strategy

Heres the funds breakdown in my taxable ACCT ( the managed one that i mentioned originally ) SYM %of portfolio EXP Ratio ( Gross ) CASH - 0.72% ACSAX 1.02% EXP Ratio: 2.14% BEXFX 2.9% EXP Ratio: 1.45% INUTX 1.54% EXP Ratio: 1.01% ELGAX 8.68% EXP Ratio: 1.07% DDVAX 8.62% EXP Ratio: 0.97% DLTNX 2.14%...
by Mstrmcky
Thu Mar 09, 2017 10:58 pm
Forum: Investing - Help with Personal Investments
Topic: 27yr curious about my investment personel and strategy
Replies: 60
Views: 6132

Re: 27yr curious about my investment personel and strategy

When you update, you might explain whether there are any special circumstances that would make you think you are in particular need of such an elaborate financial services team (or that would make you a "Good target" for that type of sales pitch). High income? A profession associated with...
by Mstrmcky
Thu Mar 09, 2017 10:03 am
Forum: Investing - Help with Personal Investments
Topic: 27yr curious about my investment personel and strategy
Replies: 60
Views: 6132

Re: 27yr curious about my investment personel and strategy

When you update, you might explain whether there are any special circumstances that would make you think you are in particular need of such an elaborate financial services team (or that would make you a "Good target" for that type of sales pitch). High income? A profession associated with...
by Mstrmcky
Thu Mar 09, 2017 9:52 am
Forum: Investing - Help with Personal Investments
Topic: 27yr curious about my investment personel and strategy
Replies: 60
Views: 6132

Re: 27yr curious about my investment personel and strategy

There's a forum guide on providing investment information (https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212). Here's the relevant snippet. The key is to know the % invested in each fund and the expense ratio of each fund. It's helpful to know the total amount invested but that's up to ...
by Mstrmcky
Wed Mar 08, 2017 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: 27yr curious about my investment personel and strategy
Replies: 60
Views: 6132

Re: 27yr curious about my investment personel and strategy

-iamlucky13, very valid points. Thank you


-financeidiot. Sounds good I'll put this info together for the post the best I can.
Thank you
by Mstrmcky
Wed Mar 08, 2017 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: 27yr curious about my investment personel and strategy
Replies: 60
Views: 6132

Re: 27yr curious about my investment personel and strategy

Thank you guys already for the great responses. So far kind of confirming what i have been thinking ( that i am over paying ) @financeidiot As far as my allocation, What would be helpful to post? My funds with in my managed account ? I'd love some hands on insight so let me know what helps on this f...
by Mstrmcky
Wed Mar 08, 2017 9:47 am
Forum: Investing - Help with Personal Investments
Topic: 27yr curious about my investment personel and strategy
Replies: 60
Views: 6132

27yr curious about my investment personel and strategy

Hey Bogleheads, First off thanks in advance for any advice provided, i have really enjoyed just being a reader of the Forum up until this point. I am a 27 year old who has been saving money his whole life, and investing since 18 with guidance from a financial advisor, who later ( about 3 years ago )...

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