Search found 5177 matches

by SpringMan
Sat Jan 14, 2017 11:27 am
Forum: Investing - Theory, News & General
Topic: Shouldn't everyone do a traditional IRA/401k instead of a Roth?
Replies: 132
Views: 7033

Re: Shouldn't everyone do a traditional IRA/401k instead of a Roth?

For someone that will have more income when retired than before, a Roth makes more sense to me. There are no required minimum distributions at age 70.5 drawing on your Roth. If you have more income already than when working, you don't want the RMDs. Many states tax tIRAs too.
by SpringMan
Thu Jan 05, 2017 2:48 pm
Forum: Investing - Theory, News & General
Topic: What is your age, asset allocation and total return year to date?
Replies: 15
Views: 1094

Re: What is your age, asset allocation and total return year to date?

Age 69.5 (both of us), 39% equities, 61% bonds, year to date is positive but small since there have been only two business days this year so far.
by SpringMan
Thu Jan 05, 2017 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: Am I wasting time with additional funds
Replies: 30
Views: 1996

Re: Am I wasting time with additional funds

You are likely not a senior citizen so simplicity is not as important as it is for an older person IMO. I am a fan of Paul Merriman's portfolios which hold many funds see http://paulmerriman.com/pauls-mutual-fund-recommendations/ I think older investors are wise to simplify. This not only prepares f...
by SpringMan
Wed Jan 04, 2017 5:43 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity/iShares version of VNQ ?
Replies: 12
Views: 551

Re: Fidelity/iShares version of VNQ ?

Theoretical wrote:I'm really partial to the iShares Global REIT ETF REET. ER of .14%, Nearly $250M in AUM, and it includes all global non-mortgage REITs as a pure asset class. It's the TSM of the REIT world, from what I can tell.

Not really because TSM is 100% domestic stock and REET is has roughly 1/3 foreign stock.
by SpringMan
Mon Dec 26, 2016 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: fidelity equivalent of vanguard total international bond index?
Replies: 2
Views: 217

Re: fidelity equivalent of vanguard total international bond index?

It would be best to buy the ETF, BNDX, Fidelity charges only $7.95 to trade Vanguard ETFs.
by SpringMan
Mon Dec 26, 2016 5:23 am
Forum: Investing - Theory, News & General
Topic: Pimco Income Fund vs. Vanguard Total Bond Market
Replies: 51
Views: 3633

Re: Pimco Income Fund vs. Vanguard Total Bond Market

One important point that I forgot to mention is that my financial advisor friend has access to PIMIX, which is an institutional class fund. It has no loads and a relatively low expense ratio. As an individual investor, I'm not sure if I qualify for this fund. Vanguard customers have access to PIMIX...
by SpringMan
Sun Dec 18, 2016 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Getting out of Vanguard's FundAccess
Replies: 2
Views: 365

Re: Getting out of Vanguard's FundAccess

A TR Price fund can not be exchanged into a Vanguard fund without selling one and buying the other. Settlement is T+1 for mutual funds, so I don't think you could do it all in one day. You may be able to do an exchange from TRP fund A to TRP fund B since they are in the same fund family, talk to Van...
by SpringMan
Wed Dec 14, 2016 9:59 am
Forum: Personal Finance (Not Investing)
Topic: 2 RMD Questions
Replies: 22
Views: 2174

Re: 2 RMD Questions

It does not matter whether you have actually reached 70.5 when you make the withdrawal. I think it does matter. It doesn't matter, the RMD can be satisfied any time in the year in which you turn 70.5. My wife just set up her first RMD with Vanguard. She will be 70.5 in December 2017 and she had the...
by SpringMan
Sat Dec 10, 2016 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Personal Advisor Services
Replies: 3
Views: 507

Re: Vanguard Personal Advisor Services

I don't use it but can see the value for someone not comfortable with doing it yourself. I suggested my wife use them if I pass on or become incapacitated. The cost of VPAS may be 1/3 the cost of the industry average but is still 4 times the cost of our mostly indexed DIY portfolio.
by SpringMan
Thu Dec 08, 2016 6:37 pm
Forum: Investing - Help with Personal Investments
Topic: Telephoning Vanguard
Replies: 75
Views: 4739

Re: Telephoning Vanguard

I am a Flagship client and experienced over a 10 minute phone wait earlier this week. I called my designated Flagship rep and he was busy on the phone so my call rolled to the general Flagship service pool. My voice was not recognized by their voice recognition software either, had to repeat 4 phras...
by SpringMan
Fri Dec 02, 2016 3:14 pm
Forum: Investing - Theory, News & General
Topic: What percentage of international do you hold?
Replies: 127
Views: 6212

Re: What percentage of international do you hold?

Vanguard now recommends between 30% and 50% international stocks. They would consider 20% too low. From Vanguard's Portfolio Watch tool
"consider To further diversify your stock portfolio, consider allocating 30% to 50% to foreign stocks."
by SpringMan
Fri Dec 02, 2016 12:22 pm
Forum: Investing - Theory, News & General
Topic: What percentage of international do you hold?
Replies: 127
Views: 6212

Re: What percentage of international do you hold?

Currently 16% of equities is international, only 0% of bonds. Beginning RMDs next year. My plan is to sell bonds in IRA to satisfy RMDs and invest the proceeds, minus federal tax withholding, in more international equities in our taxable accounts, probably buy more FSIVX which we own at Fidelity. Ou...
by SpringMan
Sat Nov 26, 2016 5:23 am
Forum: Investing - Help with Personal Investments
Topic: My Bonds Are Enraging Me
Replies: 43
Views: 5716

Re: My Bonds Are Enraging Me

Enraged over a $138 loss makes no sense to me. We have over 60% of our portfolio in VG taxable bond funds. Losses are over $30,000 just since the Nov 8th election. I am not happy about it but on the positive side equities have performed well and our bond funds are in traditional IRAs so Uncle Sam wi...
by SpringMan
Thu Nov 24, 2016 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 123
Views: 15999

Re: Fidelity free Turbotax

Last year Fidelity's discount was the same amount as one could get from Amazon and others. I never had been offered free tax software from Fidelity. Vanguard no longer offers free TurboTax either. Last year I bought it from Amazon. My account size at Fidelity is not very large.
by SpringMan
Wed Nov 16, 2016 8:34 am
Forum: Investing - Theory, News & General
Topic: Best way to Track VTIAX day to day?
Replies: 3
Views: 582

Re: Best way to Track VTIAX day to day?

Those ETF symbols are good to use as a proxies but keep in mind that the closing price on any given day the percentage change in the ETF can vary from that of the open ended mutual fund. I use BND for VBTLX, VG Total Bond Index admiral and have observed they do not always move in tandem.
by SpringMan
Mon Nov 14, 2016 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds suck
Replies: 46
Views: 6532

Re: Bonds suck

One consolation I have is my traditional IRA was 100% bonds, so the tax man will share in my loss.
by SpringMan
Sun Nov 06, 2016 11:35 am
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvest -- partner funds VLCAX & VTSAX?
Replies: 8
Views: 1060

Re: Tax Loss Harvest -- partner funds VLCAX & VTSAX?

I tax loss harvested VTSAX to VLCAX back in 2007 and now have unrealized capital gains in VLCAX. My only minor regret is the .08% ER of VLCAX does not seem fair when TSM and 500 Index are both only .05%. The difference of 3 basis points does not seem significant unless expressed as a percent differe...
by SpringMan
Sat Nov 05, 2016 4:25 pm
Forum: Personal Consumer Issues
Topic: Best way to buy a new/used Mac book Air
Replies: 19
Views: 1989

Re: Best way to buy a new/used Mac book Air

Keep an eye on bhphoto.com for sale MacBooks. Currently they have a 13 inch MacBook Air with 256 SSD for $899. They have free shipping and no sales tax if outside NY. https://www.bhphotovideo.com/c/product/ ... ebook.html
by SpringMan
Tue Oct 25, 2016 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: Are ETFs really becoming a bad idea?
Replies: 47
Views: 5301

Re: Are ETFs really becoming a bad idea?

badbreath wrote:ETF are good if can not afford the $3000 or $10000 to buy in on the mutual fund. Once you have the capital built up in the ETF move to mutual fund.

If one moves to the mutual fund once capital is built up in the ETF, be aware this will be a taxable event if done in a taxable account.
by SpringMan
Mon Oct 24, 2016 8:39 am
Forum: Investing - Theory, News & General
Topic: Who disagrees with Jack. . .
Replies: 73
Views: 5850

Re: Who disagrees with Jack. . .

First let me say I admire Jack immensely. I can think of one thing he says I disagree with, "Don't Peek". In this age of computer security breaches, identity theft, hackers, information leaks, scammers and the like, I believe it is wise to keep an eye on all your accounts, not just investm...
by SpringMan
Tue Oct 18, 2016 8:32 am
Forum: Investing - Help with Personal Investments
Topic: Is the Vanguard FTSE Developed Markets ETF (VEA) enough for international exposure?
Replies: 24
Views: 2019

Re: Is the Vanguard FTSE Developed Markets ETF (VEA) enough for international exposure?

If emerging markets and mid-small caps are not desired, I think it is a great choice. I use Fidelity's FSIVX (EAFE index) plus VSS.
by SpringMan
Mon Oct 17, 2016 11:08 am
Forum: Investing - Theory, News & General
Topic: International Equities
Replies: 5
Views: 1063

Re: International Equities

Added a little to VSS in a taxable account. Still international is only 16% of our equities.
by SpringMan
Fri Oct 14, 2016 11:17 am
Forum: Investing - Theory, News & General
Topic: "Vanguard’s Active Stock Funds Are Very Good"
Replies: 2
Views: 1108

Re: "Vanguard’s Active Stock Funds Are Very Good"

Interesting, thanks. I would like to have seen Vanguard's balanced funds incorporated into their list of active funds. I imagine Wellington and Wellesley funds would have looked good.
by SpringMan
Tue Oct 11, 2016 8:52 am
Forum: Investing - Theory, News & General
Topic: Columbus Day, Bond Market Closed, Stock Market Open
Replies: 4
Views: 776

Re: Columbus Day, Bond Market Closed, Stock Market Open

Thanks for the replies and it makes sense that BND is not a perfect proxy.
by SpringMan
Tue Oct 11, 2016 6:12 am
Forum: Investing - Theory, News & General
Topic: Columbus Day, Bond Market Closed, Stock Market Open
Replies: 4
Views: 776

Re: Columbus Day, Bond Market Closed, Stock Market Open

Bump.
Anybody? I imagine it has something to do with "fair value" pricing similar to foreign stocks when the foreign markets are closed. Since BND trades on the stock exchange, it should be a good proxy but it really was not.
by SpringMan
Mon Oct 10, 2016 5:27 pm
Forum: Investing - Theory, News & General
Topic: Columbus Day, Bond Market Closed, Stock Market Open
Replies: 4
Views: 776

Columbus Day, Bond Market Closed, Stock Market Open

Does anyone understand how bonds are priced when the bond markets are closed? I was disappointed in what happened to VG Total Bond Market Index, VBTLX, today. The ETF, BND, was down .11% where VBTLX was down .27%, more than twice as much. VBTLX is my largest holding. VFIDX, VG Intermediate investmen...
by SpringMan
Fri Oct 07, 2016 2:39 pm
Forum: Local Chapters and Bogleheads Community
Topic: 2016 Conference Photos
Replies: 3
Views: 815

Re: 2016 Conference Photos

Very nice, thank you for sharing.
by SpringMan
Fri Oct 07, 2016 1:43 pm
Forum: Personal Consumer Issues
Topic: Join AARP
Replies: 56
Views: 3404

Re: Join AARP

No but have several friends that use AARP United Health Care for their Medigap policy. AARP is a requirement for United Health Care Medigap insurance. I don't know if you sign up and drop AARP whether membership is checked every year.
by SpringMan
Thu Oct 06, 2016 5:41 pm
Forum: Personal Consumer Issues
Topic: Johnnie Walker Blue worth the cost?
Replies: 70
Views: 5615

Re: Johnnie Walker Blue worth the cost?

Scotch tastes like lighter fluid to me so I would say no.
by SpringMan
Thu Oct 06, 2016 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Drop BCBSM Medigap for Advantage?
Replies: 37
Views: 2693

Re: Drop BCBSM Medigap for Advantage?

For what it is worth, I discussed it with my DW and we came to the same conclusion that is to stay with BC/BS Legacy Medigap C. In our case both of us would have difficulty with underwriting.
by SpringMan
Wed Oct 05, 2016 7:59 pm
Forum: Investing - Theory, News & General
Topic: Question: Mutual Fund reported performance and ER
Replies: 6
Views: 492

Re: Question: Mutual Fund reported performance and ER

The performance is net of ER. includes ER already taken out.
by SpringMan
Wed Oct 05, 2016 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Drop BCBSM Medigap for Advantage?
Replies: 37
Views: 2693

Re: Drop BCBSM Medigap for Advantage?

Thanks for the link which shows the difference between males and females. Maybe males cost more because they have shorter life expectancy and the end of life expenses generally cost more, just a guess. I was hoping for more responses discussing alternatives.
by SpringMan
Wed Oct 05, 2016 5:03 am
Forum: Investing - Help with Personal Investments
Topic: Req. Min. W/D's
Replies: 12
Views: 1087

Re: Req. Min. W/D's

deleted duplicate post.
by SpringMan
Wed Oct 05, 2016 5:02 am
Forum: Investing - Help with Personal Investments
Topic: Req. Min. W/D's
Replies: 12
Views: 1087

Re: Req. Min. W/D's

Comments on various posts: 1) If OP was 69.5 by 12/31 (not July), then the following year will be the first RMD distribution year because 70.5 will be reached in that year. But the RMD divisor is based on your actual full number age at year end, so the first year divisor depends on whether you are ...
by SpringMan
Tue Oct 04, 2016 4:59 pm
Forum: Investing - Help with Personal Investments
Topic: Req. Min. W/D's
Replies: 12
Views: 1087

Re: Req. Min. W/D's

Your actual birthday is important since 70.5 is the age where RMDs are necessary. If you were 69.5 before July you will be 70.5 in 2017 and need to take an RMD in 2017. If you were born in July through December, you won't be 70.5 in 2017 so your first RMD would be in 2018.
by SpringMan
Tue Oct 04, 2016 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Drop BCBSM Medigap for Advantage?
Replies: 37
Views: 2693

Re: Drop BCBSM Medigap for Advantage?

We are in the same boat. My wife and I are the same age, 69, actually she is 31 days older. Blue Cross Legacy Plan C was just under $123 per month for each. We both received our letters. Hers is $207 per month and mine is $218 per month. Increases were not quite double but still significant. No expl...
by SpringMan
Tue Oct 04, 2016 8:58 am
Forum: Investing - Theory, News & General
Topic: International Small (VSS/VFSVX) Underperforms ALL Active Funds
Replies: 25
Views: 2475

Re: International Small (VSS/VFSVX) Underperforms ALL Active Funds

I have owned VSS in a taxable account since shortly after its inception. Its performance has disappointed but I have been reinvesting dividends from it and other taxable positions back into VSS. As bad as it has been, it still has unrealized cap gains. Keep the faith, the sun will eventually shine o...
by SpringMan
Mon Oct 03, 2016 10:05 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Prime MM (VMMXX) Troubles
Replies: 16
Views: 3357

Re: Vanguard Prime MM (VMMXX) Troubles

In am fairly sure this is due to the fact that Vanguard has or is in the process of changing peoples settlement account to Federal MM. When VG Prime MM was the settlement account, the 3K minimum did not apply for Prime MM. You may have to call and have Vanguard make the change to have the ACH direct...
by SpringMan
Sun Oct 02, 2016 11:36 am
Forum: Personal Consumer Issues
Topic: Desktop vs. Laptop Computer
Replies: 56
Views: 4588

Re: Desktop vs. Laptop Computer

Desktops are easier to upgrade. Many modern laptops solder in the RAM and glue in batteries and other internals. They also have tiny screws that may require special screw drivers and specialized tools from sites like iFixit. Desktops are designed to be upgraded just make sure the power supply is ade...
by SpringMan
Sat Oct 01, 2016 6:07 pm
Forum: Personal Consumer Issues
Topic: Have you ever bought a new car from a dealer?
Replies: 20
Views: 1377

Re: Have you ever bought a new car from a dealer?

I have bought numerous new cars from dealerships. I get a GM employee discount so the price is fairly cut and dry. I also get a Chrysler employee discount through my son. I would definitely have been better off financially had I refrained from new car temptation but no regrets. Always paid cash for ...
by SpringMan
Fri Sep 30, 2016 4:17 am
Forum: Investing - Help with Personal Investments
Topic: FBIOX is killing me. [Fidelity Select Biotechnology]
Replies: 48
Views: 2844

Re: FBIOX is killing me. [Fidelity Select Biotechnology]

Looks like an opportunity to do tax loss harvesting. Sell and wait 31 days to buy it back or buy something comparable immediately.
by SpringMan
Thu Sep 29, 2016 1:17 pm
Forum: Investing - Help with Personal Investments
Topic: Furious about adult education class [Investment seminar]
Replies: 42
Views: 3884

Re: Furious about adult education class

This is an obvious conflict of interest but it is no worse than Dave Ramsey affiliates teaching classes at churches. The sheep will get fleeced.
by SpringMan
Wed Sep 28, 2016 5:12 am
Forum: Investing - Theory, News & General
Topic: What stocks can I buy when it comes to Marijuana?
Replies: 49
Views: 4924

Re: What stocks can I buy when it comes to Marijuana?

I personally steer clear of individual stocks. Here is a link to a few.
http://investorplace.com/2016/02/mariju ... -uWy1QrKHt
by SpringMan
Mon Sep 26, 2016 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: mutual fund only vs brokerage
Replies: 4
Views: 377

Re: mutual fund only vs brokerage

My experience is Fidelity Brokerage account is not an up-sell, it does not cost more. If in doubt ask Fidelity. It will allow you to trade ETFs, many of which are free to trade and those that are not free are only $7.95 a trade.
by SpringMan
Sun Sep 25, 2016 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Brokerage Account User-Friendliness
Replies: 10
Views: 1048

Re: Brokerage Account User-Friendliness

The only problem we had was I lost my authorization to trade my wife's IRA which I had before being upgraded to Vanguard Brokerage. This was remedied by submitting a notarized and witnessed Signature Authorization form to VG. Another difference I observed was in the past a VG mutual fund could be in...
by SpringMan
Fri Sep 23, 2016 3:55 pm
Forum: Personal Consumer Issues
Topic: [500 million Yahoo accounts hacked, what should you do?]
Replies: 86
Views: 6165

Re: What are you YAHOOERS doing?? [due to security breach]

My internet provider AT&T uses yahoo mail. Recently I had an email outage so I called AT&T to report it. They were a bit reluctant and I could tell they rather I deal directly with yahoo. What is strange is Verizon is buying yahoo so Verizon is technically going to be supporting AT&T ema...
by SpringMan
Thu Sep 22, 2016 5:04 pm
Forum: Investing - Theory, News & General
Topic: Help understanding the attraction to W & W [Wellington/Wellesley]
Replies: 38
Views: 4311

Re: Help understanding the attraction to W & W [Wellington/Wellesley]

Stop picking funds based on large part on past returns. Understand why the past returns are what they are- what is it invested in, passive vs active, low cost vs high cost, exposure to factors vs no exposure to factors etc. I don't use M&M, but I think they're fine active funds. Their excellent...
by SpringMan
Wed Sep 21, 2016 4:35 pm
Forum: Personal Consumer Issues
Topic: Spare Tire Replacement
Replies: 17
Views: 1301

Re: Spare Tire Replacement

I didn't realize they still made full size spares. 'Back in the days' when they were common tire rotations included all 5 tires. Pickup trucks generally have full sized spares but if you have aluminum wheels, the spare won't match as it is a steel wheel. Many new cars don't even have a space saver ...
by SpringMan
Wed Sep 21, 2016 11:58 am
Forum: Personal Consumer Issues
Topic: macOS Sierra
Replies: 20
Views: 2303

Re: macOS Sierra

I have a late 2013 MacBook Pro retina running El Capitan. Software updates does not show Sierra. Last update was for Safari browser. Don't know why.
by SpringMan
Tue Sep 20, 2016 4:15 pm
Forum: Personal Consumer Issues
Topic: The Bogleheads' "100 Things Worth Every Penny" List
Replies: 275
Views: 36066

Re: The Bogleheads' "100 Things Worth Every Penny" List

Medical cannabis when doctor prescribed and in states where legal.

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