Search found 2174 matches

by am
Sat Jan 21, 2017 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Record keeping fees fidelity 401k vs. brokerage link
Replies: 5
Views: 265

Re: Record keeping fees fidelity 401k vs. brokerage link

I paid 75 dollars total record keeping fees on total fidelity bond inst. and total int index vanguard with expenses of .03 and .12 in 401k. I can transfer to fidelity total bond and fidelity total intern. index with expenses of .05 and .11 in brokerage link without fees as far as I can tell. Upsetti...
by am
Sat Jan 21, 2017 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Record keeping fees fidelity 401k vs. brokerage link
Replies: 5
Views: 265

Record keeping fees fidelity 401k vs. brokerage link

My plan charges .08% for record keeping fees for 401k at fidelity. I did not see this fee for the one fund in my brokerage link account. By using brokerage link, can you avoid the record keeping fees?
by am
Thu Jan 19, 2017 10:09 pm
Forum: Investing - Help with Personal Investments
Topic: How to factor pension into asset allocation?
Replies: 18
Views: 1098

Re: How to factor pension into asset allocation?

I have a vested lump sum payout or state 401a which currently grows at 6.75%. The lump sum gets updated monthly online and I include it in my bond allocation. In about 20 yrs or so I can make a decision to either go with the annuiy or get the lump sum. At that time I will adjust my portfolio.
by am
Sat Jan 14, 2017 8:07 pm
Forum: Investing - Help with Personal Investments
Topic: Compounding of stock returns
Replies: 14
Views: 1096

Re: Compounding of stock returns

Is this only true if you reinvest dividends? I myself reinvested Mcdonalds dividends for 25 years,recently started taking the dividends in cash. The link below will give you a pretty clear picture of reinvesting vs not reinvesting (No my initial investement was NOT 100k :mrgreen: :mrgreen: ) http:/...
by am
Sat Jan 14, 2017 6:18 pm
Forum: Investing - Help with Personal Investments
Topic: Compounding of stock returns
Replies: 14
Views: 1096

Re: Compounding of stock returns

Say you use dividends for expenses, will this result in a larger than expected reduction due to loss of compounding in returns 20- 30 yrs down the line as opposed to reinvesting? What do you expect the reduction to be? But here is some simple hypothetical math. Suppose you assume dividends of 2% ev...
by am
Sat Jan 14, 2017 6:03 pm
Forum: Investing - Help with Personal Investments
Topic: Compounding of stock returns
Replies: 14
Views: 1096

Re: Compounding of stock returns

Say you use dividends for expenses, will this result in a larger than expected reduction due to loss of compounding in returns 20- 30 yrs down the line as opposed to reinvesting?
by am
Sat Jan 14, 2017 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: Compounding of stock returns
Replies: 14
Views: 1096

Compounding of stock returns

Is this only true if you reinvest dividends?
by am
Mon Jan 09, 2017 7:55 pm
Forum: Personal Consumer Issues
Topic: Caribbean princess vacation to Europe with kids?
Replies: 0
Views: 191

Caribbean princess vacation to Europe with kids?

Kids ranging in age 7-12 for 10 days cruise to parts of England, Scotland and France this summer. This is the only cruise that fits our timeframe. Wondering what everyone thinks about this option? Also considering exploring Canada for 2 weeks or Canada + eastern US.
by am
Sat Dec 31, 2016 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: How to gain exposure to Alternatives?
Replies: 15
Views: 1025

Re: How to gain exposure to Alternatives?

You dont need alternatives. Keep it simple and stick to your plan.
by am
Mon Dec 26, 2016 9:22 am
Forum: Investing - Theory, News & General
Topic: Non gov 457b question
Replies: 12
Views: 752

Re: Non gov 457b question

BL wrote:IIRC, you cannot convert the non-government 457b to an IRA when you quit working there, only can transfer to another 457b.


You can convert the account to taxable, rollover to non gov 457b,or stretch out distributions, in my case 20 yrs max.
by am
Mon Dec 26, 2016 7:41 am
Forum: Investing - Theory, News & General
Topic: Non gov 457b question
Replies: 12
Views: 752

Re: Non gov 457b question

If you do a google search for Moody's or other bond rating agency and municipal bond ratings, you'll find some long 100 page documents outlining the failure rate for municipal bonds at each rating including the names of the hospitals, municipalities, etc. Hospitals are probably the riskiest if my me...
by am
Sun Dec 25, 2016 10:34 pm
Forum: Investing - Theory, News & General
Topic: Non gov 457b question
Replies: 12
Views: 752

Re: Non gov 457b question

I have other questions about this account like, if the hospital that I work for in the health system is sold or goes bankrupt, am I part of the larger health system account or a sub account for that hospital? I do not know who to call to get definitive answers. For questions such as this one, I ass...
by am
Sun Dec 25, 2016 9:42 pm
Forum: Investing - Theory, News & General
Topic: Pimco Income Fund vs. Vanguard Total Bond Market
Replies: 51
Views: 3653

Re: Pimco Income Fund vs. Vanguard Total Bond Market

Higher yield means more risk. Many around here agree that bonds are for safety and stocks are for returns.
by am
Sun Dec 25, 2016 9:21 pm
Forum: Investing - Theory, News & General
Topic: Does anyone here invest in Frontier Markets?
Replies: 8
Views: 891

Re: Does anyone here invest in Frontier Markets?

The best investment vehicle on the market for Frontier Markets is the iShares MSCI Frontier 100 ETF (Ticker: FM). It [...] has an expense ratio of 0.79%. [...] Frontier markets comprise about 0.26% of the world's investible market capitalization. pretty sure if the expense ratio is three times grea...
by am
Sun Dec 25, 2016 9:18 pm
Forum: Investing - Theory, News & General
Topic: Non gov 457b question
Replies: 12
Views: 752

Re: Non gov 457b question

This question is confusing because the investment selections in most 457 plans appear to be conventional mutual funds with expense ratios etc. But then there is always a statement such as (paraphrase) "you don't actually own these funds or have actual money in these funds, but rather represent...
by am
Sun Dec 25, 2016 5:45 pm
Forum: Investing - Theory, News & General
Topic: Non gov 457b question
Replies: 12
Views: 752

Re: Non gov 457b question

If you mean expense ratios, I would assume they are being charged if these are mutual funds. The expense ratio pays for the actual running of the fund. It is taken out of the value of the fund every day before the setting of the end of the day NAV (net asset value or share price). I don't see how a...
by am
Sun Dec 25, 2016 5:34 pm
Forum: Investing - Theory, News & General
Topic: Non gov 457b question
Replies: 12
Views: 752

Non gov 457b question

I have a non gov 457b at Fidelity. There is a statement about no account being established and chance of losing money in a bankruptcy in the account. There is also a record keeping fee which is less than 10 dollars a year. I am curious to know if the fees for the index funds I am using are being ass...
by am
Sun Dec 25, 2016 5:20 pm
Forum: Investing - Help with Personal Investments
Topic: Multiple back door conversions question
Replies: 3
Views: 308

Multiple back door conversions question

I plan on doing 11k in backdoor roths for wife and myself for 2017. Is there any disadvantage to not doing this all at once?
by am
Sun Dec 25, 2016 4:33 pm
Forum: Investing - Theory, News & General
Topic: Does anyone here invest in Frontier Markets?
Replies: 8
Views: 891

Re: Does anyone here invest in Frontier Markets?

livesoft wrote:There are a number of threads on "Frontier Markets." While waiting for more responses, you might do a little search and have some fun reading them.


Conclusion in other threads is not worth it.
by am
Wed Dec 21, 2016 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: Amex preferred rewards gold card bonus
Replies: 12
Views: 1106

Re: Amex preferred rewards gold card bonus

So how much are the 50000 points worth? 500 dollars or 250 dollars for statement credit or more for travel?
by am
Tue Dec 20, 2016 10:58 pm
Forum: Investing - Theory, News & General
Topic: Bonds Can Be More Dangerous Than Stocks??
Replies: 31
Views: 3707

Re: Bonds Can Be More Dangerous Than Stocks??

Do bonds smooth returns over time by decreasing volatility? When stocks lose 50% you gotta gain 100% to get back to even, but less so when you hold bonds. But you also lose the upside. This may not be an issue over 20+ yrs looking back at most periods holding 100% stocks however.
by am
Tue Dec 20, 2016 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: Amex preferred rewards gold card bonus
Replies: 12
Views: 1106

Re: Amex preferred rewards gold card bonus

Redeeming points for cash is not a 1:1 ratio. It is 0.5 cents per 1 point. 50,000 Membership Rewards points would only be a $250 cash statement credit value. If you want to redeem for cash equivalents you can do something like Staples gift cards at 1 point = 1 cent. Or Amazon gift card at 1 point =...
by am
Tue Dec 20, 2016 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: Amex preferred rewards gold card bonus
Replies: 12
Views: 1106

Re: Amex preferred rewards gold card bonus

You can use the points to pay your Amex bill, or buy gift cards, or book travel. This is a great deal, especially if the first year of annual fee is waived Thanks. There is a 100 dollar airline credit for non ticket items and a 75 dollar hotel credit. Do you know how that works? Also I read that yo...
by am
Tue Dec 20, 2016 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Amex preferred rewards gold card bonus
Replies: 12
Views: 1106

Amex preferred rewards gold card bonus

I recently got an offer for 50k bonus points after spending 2k in 3 months. No annual fee first year. Wondering if the bonus points (worth $500) can be used as cash or do you have to book a trip through the Amex travel portal?
by am
Tue Dec 20, 2016 5:09 pm
Forum: Investing - Theory, News & General
Topic: Bonds Can Be More Dangerous Than Stocks??
Replies: 31
Views: 3707

Re: Bonds Can Be More Dangerous Than Stocks??

Is the hate for bonds because of the current bull stock market?

But over the last 10 yrs as a boglehead, and hopefully many more decades to come, I also wonder why I hold more than 10% bonds? Given my long time frame and high risk tolerance, why am I holding 25-30% in bomds?
by am
Fri Dec 16, 2016 10:22 pm
Forum: Investing - Theory, News & General
Topic: Ellis: "Under 40 years old - 100% in Stocks"
Replies: 54
Views: 5665

Re: Ellis: "Under 40 years old - 100% in Stocks"

Will this discussion continue when we drop 20%+. Than bonds will be all the rage.
by am
Fri Dec 16, 2016 10:17 pm
Forum: Investing - Help with Personal Investments
Topic: [Retirement] How to know if you're on track?
Replies: 11
Views: 1821

Re: [Retirement] How to know if you're on track?

I have a problem with firecalc. It relies on future returns being similar to prior. Inflation being constant. Some countries came no where near 4% sustainable withdrawal. Maybe the future will be different?
by am
Wed Dec 14, 2016 10:27 pm
Forum: Investing - Theory, News & General
Topic: 3 Fund - should it be more diversified?
Replies: 28
Views: 2998

Re: 3 Fund - should it be more diversified?

Some would argue that a 3 funder is not diversified across factors and therefore is not diversified enough.
by am
Tue Dec 13, 2016 10:41 pm
Forum: Investing - Theory, News & General
Topic: Why risk slicing and dicing at all
Replies: 52
Views: 4430

Re: Why risk slicing and dicing at all

Why doesn't vanguard use small value tilts in target date funds if it's a slam dunk? For one, I don't see anyone claiming that small value tilts are a slam dunk. Certainly not Larry. One good reason for Vanguard not to do this is because they will be benchmarked against other providers' target date...
by am
Tue Dec 13, 2016 10:11 pm
Forum: Investing - Theory, News & General
Topic: Why risk slicing and dicing at all
Replies: 52
Views: 4430

Re: Why risk slicing and dicing at all

Why doesn't vanguard use small value tilts in target date funds if it's a slam dunk?
by am
Tue Dec 13, 2016 10:04 pm
Forum: Investing - Help with Personal Investments
Topic: Has anyone adjusted their retirement account AA with the market increase?
Replies: 26
Views: 2154

Re: Has anyone adjusted their retirement account AA with the market increase?

I'm not sure what will happen so I'm not changing anything. What did some think in the 80s and 90s?
by am
Sun Dec 11, 2016 11:35 pm
Forum: Investing - Help with Personal Investments
Topic: Any problems with index fund with low assets < 100 mil?
Replies: 9
Views: 1216

Re: Any problems with index fund with low assets < 100 mil?

Doesn't transaction costs = expenses = expense ratio? Fidelity has said that the expense ratio will be 0.11%, same as FSGDX. As for the tracking error, you should be able to compare the performance the past several months vs. FSGDX and the Vanguard comparison. Anyway, I trust Fidelity to do the rig...
by am
Sun Dec 11, 2016 9:52 pm
Forum: Investing - Help with Personal Investments
Topic: Any problems with index fund with low assets < 100 mil?
Replies: 9
Views: 1216

Re: Any problems with index fund with low assets < 100 mil?

It's not the expense ratio. I am worried about tracking error. Are funds with low assets that have 3700 holdings per the prospectus at risk of this? How about transaction costs as someone mentioned? How about another down market and mass selling of shares when assets are already low?
by am
Sun Dec 11, 2016 5:00 pm
Forum: Personal Consumer Issues
Topic: JP Morgan Reserve Credit Card
Replies: 22
Views: 2105

Re: JP Morgan Reserve Credit Card

Chase sapphire reserve? No unwanted attention here. But I am in a relatively affluent area so maybe it's common,.
by am
Sun Dec 11, 2016 4:54 pm
Forum: Investing - Help with Personal Investments
Topic: Any problems with index fund with low assets < 100 mil?
Replies: 9
Views: 1216

Any problems with index fund with low assets < 100 mil?

I am Thinking of switching from Fsgdx at Fidelity (large blend of developed and emerging) to their total int. Market mutual fund which includes small caps as well. There is no longer a 90 day redemption fee as far as I know. However, I noticed the total int. Fund has something like 65 million in ass...
by am
Sat Dec 10, 2016 11:00 am
Forum: Personal Consumer Issues
Topic: Recommendation for European vacation with young kids
Replies: 5
Views: 381

Recommendation for European vacation with young kids

I have 2 weeks off this summer and was hoping to take wife and 3 kids (8-12 y/o) for a European vacation. We are considering cruises, resorts or staying on land in several countries for a week at a time. Anyone have recommendations?
by am
Sat Dec 10, 2016 10:57 am
Forum: Investing - Help with Personal Investments
Topic: State 401a and allocation
Replies: 0
Views: 202

State 401a and allocation

Where would an old 401a from Illinois that I am no longer contributing to fit into asset allocation? The account steadily grows annually right now by 6.75%. I can take the lump sum value right now or at 62+convert to an annuity if I desire.
by am
Tue Dec 06, 2016 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Quick tax caster question
Replies: 5
Views: 519

Re: Quick tax caster question

Taxcaster is an Income Tax calculator so you should only be inputting income tax withheld/paid, not SS/Medicare. Sounds like if your refund keeps going down, then you are withholding correctly so you end up near zero. If your refund were going up, you would have been withholding too much. There is ...
by am
Tue Dec 06, 2016 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Quick tax caster question
Replies: 5
Views: 519

Quick tax caster question

For fed taxes withheld, do you also add in fed MED/EE amount and fed additional med in addition to fed withholding or does the program take into account these amounts based on income? Seems like my refund keeps going down as I get these last pay checks.
by am
Tue Nov 29, 2016 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Last day for solo 401k contribution?
Replies: 10
Views: 755

Re: Last day for solo 401k contribution?

Our accountant told us the deadline for last payroll is Jan 31. I am not sure how we can make the employee contribution if the deadline is last day of Dec?
by am
Tue Nov 29, 2016 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Last day for solo 401k contribution?
Replies: 10
Views: 755

Last day for solo 401k contribution?

Wondering when we can make the last employee contribution for the year for an s corp? How about profit sharing? Did some searching and can't find a straight answer?
by am
Tue Nov 22, 2016 10:22 pm
Forum: Investing - Theory, News & General
Topic: another question for the pro SCV crowd
Replies: 10
Views: 874

Re: another question for the pro SCV crowd

Yea I know scv premium is as persistent as equity premium, but I am not sure I have enough patience and years left to wait for it.
by am
Sun Nov 20, 2016 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Pre-tax Retirement Accounts and Pensions in Networth
Replies: 37
Views: 3814

Re: Pre-tax Retirement Accounts and Pensions in Networth

I track two values for net worth; one without pension and then occasionally, I will check the value with the pension. I know the minimum monthly or annual income I am assured in my pension and I look up the value of a comparable annuity to deliver that. I'm not following. Do many pensions out there...
by am
Sun Nov 20, 2016 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Pre-tax Retirement Accounts and Pensions in Networth
Replies: 37
Views: 3814

Re: Pre-tax Retirement Accounts and Pensions in Networth

I track two values for net worth; one without pension and then occasionally, I will check the value with the pension. I know the minimum monthly or annual income I am assured in my pension and I look up the value of a comparable annuity to deliver that. I'm not following. Do many pensions out there...
by am
Sun Nov 20, 2016 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Do you track your net worth? How long have you done so?
Replies: 110
Views: 8282

Re: Do you track your net worth? How long have you done so?

I track it in fidelity full view. No practical value but nice to know that my saving and investing plan is working. It is nice to know that my wealth is in the top 1-5% for those my age. I certainly don't feel wealthy however and feel like I have a ton more savings to do.
by am
Sun Nov 20, 2016 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Pre-tax Retirement Accounts and Pensions in Networth
Replies: 37
Views: 3814

Re: Pre-tax Retirement Accounts and Pensions in Networth

For my pension 401a account, I simply use the current value that I am able to rollover to an IRA right now. I also use it in my asset allocation on the fixed income side since it does not go down in value. At 62, I can convert the money to annuity if I wish. Same decision can be made with other acco...
by am
Sun Nov 20, 2016 9:49 am
Forum: Investing - Help with Personal Investments
Topic: Is Illinois SURS safe to invest in?
Replies: 19
Views: 2644

Re: Is Illinois SURS safe to invest in?

Funding ratio drops further : http://www.zerohedge.com/news/2016-11-16/illinois-pension-funding-sinks-376-unfunded-liability-surges-130bn Chief investment officer thinks risk of funds Being depleted in the next 10 years: http://www.pionline.com/article/20151130/PRINT/151129917/illinois-surs-in-dange...
by am
Sat Nov 19, 2016 10:14 pm
Forum: Investing - Help with Personal Investments
Topic: Please help with choosing a fund for a SURS pension account
Replies: 8
Views: 1087

Re: Please help with choosing a fund for a SURS pension account

Your smart to use the self managed plan. The investment chief says there is a good chance pension fund won't be able to pay obligations within 10 yrs . http://www.pionline.com/article/20151130/PRINT/151129917/illinois-surs-in-danger-of-running-out-of-money-to-pay-retirees-cio-says How this will all ...
by am
Tue Nov 15, 2016 8:59 pm
Forum: Investing - Help with Personal Investments
Topic: Asking for advice for VWIUX......
Replies: 17
Views: 1541

Re: Asking for advice for VWIUX......

This fund fluctuates in price like anything else. Look at the historical price chart. Yawn. Stay the course.
by am
Sun Nov 13, 2016 2:11 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve: Too good to be (completely) true
Replies: 186
Views: 25121

Re: Chase Sapphire Reserve: Too good to be (completely) true

Travel cancellation insurance is valuable since we buy it anyways. The one we buy however can be cancelled for any reason with loss of about 25% cost while the sapphire only covers sickness. 3% dining and travel makes me keep it past the first year since we travel and eat out quite a bit probably 40...

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