Search found 2974 matches

by goingup
Fri Apr 20, 2018 10:00 am
Forum: Investing - Help with Personal Investments
Topic: How much is too much in a Fidelity or VG account?
Replies: 22
Views: 3605

Re: How much is too much in a Fidelity or VG account?

One broker and one bank for us. There's no "too much" at places like Vanguard, Fidelity, Schwab. Consolidation and simplicity are more valued than redundancy by me.
by goingup
Wed Apr 18, 2018 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: diversifying with multiple accounts
Replies: 6
Views: 272

Re: diversifying with multiple accounts

Hello, Trying to figure out the best way to diversify with multiple accounts. We have 2 Rollover IRAs and 2 Roth IRA, both at Vanguard with a total combined value of 76k. No 401Ks or 403Bs? Sometimes it's best to start with those accounts because options are limited and build out from there. Those ...
by goingup
Wed Apr 18, 2018 2:04 pm
Forum: Investing - Help with Personal Investments
Topic: diversifying with multiple accounts
Replies: 6
Views: 272

Re: diversifying with multiple accounts

Hello, Trying to figure out the best way to diversify with multiple accounts. We have 2 Rollover IRAs and 2 Roth IRA, both at Vanguard with a total combined value of 76k. No 401Ks or 403Bs? Sometimes it's best to start with those accounts because options are limited and build out from there. Those ...
by goingup
Wed Apr 18, 2018 1:56 pm
Forum: Investing - Theory, News & General
Topic: Lack of FDIC Insurance a big deal?
Replies: 39
Views: 2995

Re: Lack of FDIC Insurance a big deal?

Never have given it a thought at Vanguard. They have never "broken the buck". I have never had a high yield bank account, preferring the simplicity of using MM fund instead.
by goingup
Wed Apr 18, 2018 10:56 am
Forum: Investing - Help with Personal Investments
Topic: Please help me with arguments for/against actively managed...
Replies: 34
Views: 1563

Re: Please help me with arguments for/against actively managed...

RoadRat- Why the debate? To each his own. But a 1.2% advisors fee, 1% fund ERs, and 80 stock positions is truly expensive and complex. We've seen plenty of Raymond James, Wells Fargo Advisor refugees come to this board to try to unwind their portfolio. It's a mess. The only thing I'd tell him is thi...
by goingup
Wed Apr 18, 2018 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Quitting job - what to do if getting walked to the door
Replies: 106
Views: 10635

Re: Quitting job - what to do if getting walked to the door

My SO is mentally preparing for this possible scenario given a tumultuous takeover environment. These are some things we've considered: *Be up to date on all expense reports because you may never get back into your office to hunt for receipts. *Download your phone contact information because you'll ...
by goingup
Mon Apr 16, 2018 8:55 am
Forum: Investing - Help with Personal Investments
Topic: What advantages do a personalized portfolio have over a target date fund, in your opinion?
Replies: 49
Views: 2837

Re: What advantages do a personalized portfolio have over a target date fund, in your opinion?

Frankly I think it's hubris when people describe a Target fund as a fund for novices and those that don't want to learn. We all like to think we're above average money managers and can cobble together a portfolio with better returns. It's likely untrue. It does happen that once a portfolio is large ...
by goingup
Mon Apr 16, 2018 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Use 25k From Brokerage Account For Investment Property?
Replies: 29
Views: 2077

Re: Use 25k From Brokerage Account For Investment Property?

We were accidental landlords with a Florida home after moving to CA, where I think the OP resides now. What a nightmare. We had tenant issues and property management problems. I wouldn't recommend this unless you have a deep knowledge of the area and people you trust to help oversee your property.
by goingup
Sat Apr 14, 2018 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Could you support family on 1 income?
Replies: 88
Views: 5624

Re: Could you support family on 1 income?

unclescrooge wrote:
Thu Apr 12, 2018 11:47 am
On the other hand, why would you want one spouse to stay at home? I assume both of you went to college, and should be contributing members of society.
Thanks for weighing in to tell us that only people getting a paycheck contribute to society. :oops:
by goingup
Sat Apr 14, 2018 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard customer experience
Replies: 18
Views: 1705

Re: Vanguard customer experience

The thing I know about transfers from one institution to another is sometimes they can take a week or more. A 401K rollover isn't instantaneous. Be patient. Give it time. It may seem as though your assets have drifted into the ethers, but they are in process. Patience. :happy
by goingup
Fri Apr 13, 2018 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: Divs and Cap Gains are killing me
Replies: 123
Views: 12931

Re: Divs and Cap Gains are killing me

I ask this in all seriousness: Is a 13% effective tax rate a problem that needs fixing? I'd direct all distributions to index funds and call it good. :beer
by goingup
Fri Apr 13, 2018 9:34 am
Forum: Investing - Help with Personal Investments
Topic: Where to hold funds for future Roth contribution?
Replies: 18
Views: 940

Re: Where to hold funds for future Roth contribution?

I think posters are suggesting you broaden your thinking a bit. Open a taxable account and contribute to it, buying index funds. You could have both a taxable account and a Roth account. No need to store cash for a once a year Roth purchase.
by goingup
Fri Apr 13, 2018 8:17 am
Forum: Personal Finance (Not Investing)
Topic: (Privately) shopping for insurance
Replies: 15
Views: 1506

Re: (Privately) shopping for insurance

I'm also loathe to give out personal info, email address, etc. We use USAA for primary home, auto, life and have never shopped it. But if I were to compare, I'd call Amica and reach out to a local State Farm or Farmers agent. Typing in my info into E-Insurance so I can be spammed for the rest of my ...
by goingup
Thu Apr 12, 2018 2:16 pm
Forum: Investing - Theory, News & General
Topic: WSJ--Fidelity Is Revamping How It Charges You for Financial Advice
Replies: 14
Views: 1996

Re: WSJ--Fidelity Is Revamping How It Charges You for Financial Advice

I think the article also mentioned that for Fidelity Go, the 0.35% fee will now includes the fees charged by the underlying funds. (I read the article yesterday but today I can't get past the paywall to reread.) Do you think that means the underlying funds won't have expense ratios? I can't imagine...
by goingup
Thu Apr 12, 2018 10:19 am
Forum: Investing - Theory, News & General
Topic: Bull Market Timing
Replies: 60
Views: 4394

Re: Bull Market Timing

I’m trying to stop worrying about the inevitable and just ride it out but it’s tough when you’re dollar cost averaging and start feeling like you’re throwing money into a market pit that may just be beginning. "Invest we must", says Jack Bogle. If you plan to accumulate wealth you must keep investi...
by goingup
Thu Apr 12, 2018 9:55 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Replacing Vanguard Target Retirement & Extra Cash
Replies: 9
Views: 921

Re: Portfolio Review - Replacing Vanguard Target Retirement & Extra Cash

Just a quick observation. You may have a tendency to overthink things. A Target Fund is a fantastic solution for investors who tend to do this. If I were you I would not change. :wink:
by goingup
Thu Apr 12, 2018 9:35 am
Forum: Investing - Theory, News & General
Topic: Bull Market Timing
Replies: 60
Views: 4394

Re: Bull Market Timing

I’m trying to stop worrying about the inevitable and just ride it out but it’s tough when you’re dollar cost averaging and start feeling like you’re throwing money into a market pit that may just be beginning. "Invest we must", says Jack Bogle. If you plan to accumulate wealth you must keep investi...
by goingup
Wed Apr 11, 2018 11:32 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs TIAA
Replies: 58
Views: 1641

Re: Vanguard vs TIAA

Yes, I'd choose the TIAA Target Fund. Lower cost and no administration fee in your plan. So the fact that the TIAA Target Fund is institutional-class fund it's OK? It seemed to me from the previous posts that that was something not good. Institutional shares are great. They're usually the least exp...
by goingup
Wed Apr 11, 2018 11:23 am
Forum: Investing - Theory, News & General
Topic: Stock market investors on higher floors take more risks
Replies: 13
Views: 1635

Re: Stock market investors on higher floors take more risks

That's fascinating. Note to self: Stay on low floors of Las Vegas hotels. :D
by goingup
Wed Apr 11, 2018 8:17 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs TIAA
Replies: 58
Views: 1641

Re: Vanguard vs TIAA

Yes, I'd choose the TIAA Target Fund. Lower cost and no administration fee in your plan.
by goingup
Tue Apr 10, 2018 10:18 am
Forum: Investing - Theory, News & General
Topic: Factor Investing - A convincing article
Replies: 60
Views: 4919

Re: Factor Investing - I convincing article

I do wonder if investors here were able to stick with factor bet strategies. The original Larry Portfolio had 30% SC Value and 70% Int Treasuries, if I'm recalling correctly. Holding that for the last few years would have been tough. I'd have needed to meditate on the mantra, "Do not confuse outcome...
by goingup
Mon Apr 09, 2018 11:14 am
Forum: Personal Consumer Issues
Topic: Regrets of the frugal and dying?
Replies: 62
Views: 8604

Re: Regrets of the frugal and dying?

The tougher problem is with having regrets when there is still significant time to live with the regrets, but it's too late to change the things which are regretted. visualguy- thanks for posting that. Very insightful and thought-provoking. I'm around enough elderly people to make me aware that the...
by goingup
Mon Apr 09, 2018 10:15 am
Forum: Personal Consumer Issues
Topic: Does it make sense to buy new appliances when there's a good sale before you need them?
Replies: 28
Views: 1678

Re: Does it make sense to buy new appliances when there's a good sale before you need them?

The only justification for buying a new fridge at this point would be because you want one. It's not a savvy move. Plenty of folks upgrade because they want a fancier, newer, stainless, etc. If that's you then that's a discretionary expense--not a need.
by goingup
Mon Apr 09, 2018 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Cash flow problems - best way to handle?
Replies: 134
Views: 7842

Re: Cash flow problems - best way to handle?

You're a planner and that's good. Is it possible you're "overplanning" this and requiring too much cash cushion? I might try to tough it out through summer without any loans. Belt tighten as you go and just run lean. If you secure a loan before you need it I guarantee you'll inflate spending and you...
by goingup
Mon Apr 09, 2018 9:49 am
Forum: Investing - Help with Personal Investments
Topic: Alternatives to muni bonds? (and portfolio update)
Replies: 12
Views: 1365

Re: Alternatives to muni bonds? (and portfolio update)

Nice streamlined portfolio. Congratulations on implementation! Our situation is similar, though we're a bit older. I don't think having 11% muni fund is a problem. Alan Roth suggests no more than 20% of bond portfolio in munis. https://blog.aarp.org/2015/07/14/4-reasons-not-to-load-up-on-muni-bonds...
by goingup
Mon Apr 09, 2018 9:30 am
Forum: Investing - Help with Personal Investments
Topic: Monthly Lump Sum Vs Daily Investment
Replies: 14
Views: 601

Re: Monthly Lump Sum Vs Daily Investment

Automatic monthly purchases would be sufficient I think. You could set it up to purchase one fund on the 1st and another on the 15th if you like. In general, the advice is to get invested sooner because the market generally goes up over time. Daily purchases of small amounts complicate things. Each ...
by goingup
Sun Apr 08, 2018 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Higher total income in retirement than during working?
Replies: 51
Views: 4465

Re: Higher total income in retirement than during working?

BanquetBeer wrote:
Sun Apr 08, 2018 9:34 am
as a reader of this forum for over a year - never seen this.
I was thinking the same thing.
by goingup
Sun Apr 08, 2018 9:24 am
Forum: Investing - Help with Personal Investments
Topic: If you want an actively managed fund, which one would you use?
Replies: 68
Views: 4019

Re: If you want an actively managed fund, which one would you use?

We use Wellington in 2 dormant rollover IRA accounts. No rebalancing needed. Also use American Balanced Fund (.29ER) in a 401K. It's an inexpensive way to hold bonds. I'm only interested in actively managed funds that hold bonds, because I think Wellington and Capitol managers might add something ov...
by goingup
Sat Apr 07, 2018 11:50 am
Forum: Investing - Help with Personal Investments
Topic: Alternatives to muni bonds? (and portfolio update)
Replies: 12
Views: 1365

Re: Alternatives to muni bonds? (and portfolio update)

Nice streamlined portfolio. Congratulations on implementation! Our situation is similar, though we're a bit older. I don't think having 11% muni fund is a problem. Alan Roth suggests no more than 20% of bond portfolio in munis. https://blog.aarp.org/2015/07/14/4-reasons-not-to-load-up-on-muni-bonds/...
by goingup
Thu Apr 05, 2018 8:53 am
Forum: Investing - Theory, News & General
Topic: Reinvest dividends or sweep to settlement account
Replies: 38
Views: 4667

Re: Reinvest dividends or sweep to settlement account

I'll go so far as to say I think it's a mistake to not reinvest dividends unless you actually need that cash. Send dividends to your settlement account to avoid paying tax again on the dividends? How so? If you're not spending them you'll just reinvest them manually, after some delay of letting them...
by goingup
Tue Apr 03, 2018 6:31 pm
Forum: Investing - Help with Personal Investments
Topic: Changing 403b Investments
Replies: 5
Views: 312

Re: Changing 403b Investments

I like the idea of a Target Fund in a tax-advantaged account like a 403B. It is expertly composed of domestic/international equities and bonds. Your costs are very low and I wouldn't hesitate to use one. Using one is passive as you suggest, which can be very successful from a behavioral standpoint. ...
by goingup
Tue Apr 03, 2018 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford this house?
Replies: 27
Views: 1778

Re: Can we afford this house?

I would really suggest selling your home to get the capital gains exclusion of $500K for married couples. You have to live in the home for 2 of the last 5 years to receive the full exclusion. When we moved from CA we chose to rent our home. Cash flow has been nice but there is $400K of appreciation ...
by goingup
Tue Apr 03, 2018 10:54 am
Forum: Investing - Help with Personal Investments
Topic: bear market and rebalancing to lower risk
Replies: 13
Views: 1042

Re: bear market and rebalancing to lower risk

sambb wrote:
Mon Apr 02, 2018 8:16 pm
Not interested too much in hearing the "stay the course" point of view or "avoid market timing" Point of view - those are well stated already in many previous threads.
Well then, I got nothing. :|
by goingup
Tue Apr 03, 2018 10:25 am
Forum: Investing - Help with Personal Investments
Topic: Moving FROM Vanguard Admiral-Class TO Vanguard Investor-Class
Replies: 11
Views: 1395

Re: Moving FROM Vanguard Admiral-Class TO Vanguard Investor-Class

Here's a thought that's a little out of the box... How's about selling everything in the Roth and buying the Vanguard Target Fund that matches your AA. Target funds are all investor class. Then transfer that TF to Fidelity. Sell it there and buy the Fidelity funds you want. By using a TF you'll neve...
by goingup
Mon Apr 02, 2018 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Sad because I did not know what I was doing with inheritance
Replies: 31
Views: 5439

Re: Sad because I did not know what I was doing with inheritance

riptide- I think the fact it was inherited does make a misstep more poignant. It hurts a bit more because we feel a responsibility to be good stewards of a bequest. But you did the best you knew how to do at that time. Since then, you have been diligent and thoughtful. Let yourself off the hook. You...
by goingup
Mon Apr 02, 2018 1:37 pm
Forum: Investing - Help with Personal Investments
Topic: Harvest losses of Muni funds in taxable..are these similar?
Replies: 11
Views: 402

Re: Harvest losses of Muni funds in taxable..are these similar?

No, you can't do that. You would be rebuying the same funds. Wash sale. :(

There are 2 choices:
*Pick 2 completely different funds to buy after you sell your existing 2 funds.
Or
*Hold the proceeds in a Money Market fund for 31 days, then repurchase your original 2 funds.
by goingup
Mon Apr 02, 2018 10:53 am
Forum: Investing - Theory, News & General
Topic: TLH and ongoing dividends
Replies: 6
Views: 413

Re: TLH and ongoing dividends

My philosophy is to do what requires little effort and builds wealth. This may not be optimal, but it works for me. First, you can only TLH in a taxable account. Not an IRA, 401K, 529, etc. I set cost basis to SPEC ID and do reinvest all dividends. When it looks like there may be a TLH opportunity, ...
by goingup
Mon Apr 02, 2018 10:43 am
Forum: Investing - Help with Personal Investments
Topic: Rebalance TRowePrice 401k to help with Vanguard TLH
Replies: 7
Views: 515

Re: Rebalance TRowePrice 401k to help with Vanguard TLH

I would consider it a poor decision to forego investing in the best, low-cost, Vanguard fund in your 401K for the possibility of TLHing in a taxable account. I don't consider wash sale rules applying to a 401K. I agree with Nate79 here.
by goingup
Sun Apr 01, 2018 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 287
Views: 19694

Re: Got my Ruth's Chris seminar invitation, "Surviving Retirement"

Oh, you know about how awful a few of those old "equity indexed annuities" were? My goodness, you are certainly an intelligent, well-informed investor, and I agree completely with you, you do need to be careful. The industry has cleaned up its act, and those old equity indexed annuities are a thing...
by goingup
Sun Apr 01, 2018 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Pay Off Mortgage with Windfall?
Replies: 57
Views: 5299

Re: Pay Off Mortgage with Windfall?

If you have a paid for home I believe you can take more risk in your investments. If your AA happens to be 60/40 while you have a $500k mortgage, you might consider going to 70/30 or 80/20 or even 90/10 depending on your age with the paid off house. Jags- That's an interesting observation that I ha...
by goingup
Sun Apr 01, 2018 9:58 am
Forum: Personal Finance (Not Investing)
Topic: How much do I need to save?
Replies: 16
Views: 2748

Re: How much do I need to save?

You're in good shape. To me the retirement savings rate could be better though. You're saving $47K out of $250K--thats 18%. Take $2K/month and set up a taxable account using tax-efficient broad market index funds. Use VTSAX and VTIAX. Saving that extra $24K per year improves your savings rate to 28%.
by goingup
Fri Mar 30, 2018 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Pay Off Mortgage with Windfall?
Replies: 57
Views: 5299

Re: Pay Off Mortgage with Windfall?

Congrats OP. I agree with your decision. In another thread I think you mentioned this "windfall" was the proceeds from selling a highly appreciated prior home. Using your windfall to pay off your new home's mortgage seems to make perfect sense. :beer
by goingup
Fri Mar 30, 2018 11:56 am
Forum: Investing - Theory, News & General
Topic: What’s the magic savings rate???
Replies: 50
Views: 6197

Re: What’s the magic savings rate???

I read this here years ago and think it is probably true:

*Save 10% and you'll do fine
*Save 20% and you'll thrive
*Save 30% and you'll be wealthy
by goingup
Fri Mar 30, 2018 10:18 am
Forum: Investing - Help with Personal Investments
Topic: How many are using Automatic contributions?
Replies: 41
Views: 2772

Re: How many are using Automatic contributions?

I just setup automatic contributions from my paychecks 2 times a week - 2nd and 16th so that I have less of a temptation to time purchases. I already contribute to my 401k automatically so I figured automatic contribution to my taxable makes sense as well. How many here use automatic contributions ...
by goingup
Fri Mar 30, 2018 10:05 am
Forum: Investing - Help with Personal Investments
Topic: Rollover to Vanguard requires brokerage account?
Replies: 20
Views: 1392

Re: Rollover to Vanguard requires brokerage account?

I just did a direct rollover from an old 401(k) at Fidelity to my Vanguard old-style mutual fund tIRA account 2 weeks ago. Like the OP when I tried to do it through the Vanguard website I kept running into the open a new brokerage account dialog. Finally I called Vanguard and they told me that ther...
by goingup
Fri Mar 30, 2018 9:00 am
Forum: Investing - Help with Personal Investments
Topic: How many are using Automatic contributions?
Replies: 41
Views: 2772

Re: How many are using Automatic contributions?

Yes, been automating purchases for many years. Set up now for quarterly purchases, on non-dividend quarters.(All dividends are reinvested.) Fewer lots that are larger amounts work fine for us as late-stage accumulators. After seeing how well it worked for 401K/403Bs, I think of automatic purchases a...
by goingup
Fri Mar 30, 2018 8:45 am
Forum: Investing - Theory, News & General
Topic: Vanguard in the WSJ today
Replies: 57
Views: 7606

Re: Vanguard in the WSJ today

I don't like the spokesperson saying that these are "periodic issues", as if this is standard operating procedure. Maybe, they should have gone with "irregular, non periodic issues"... Good one! :wink: I'm a Vanguard fan for many years. Have never had one problem. However, it's obvious they've got ...
by goingup
Wed Mar 28, 2018 5:05 pm
Forum: Investing - Help with Personal Investments
Topic: Receive dividends from Index funds?
Replies: 23
Views: 1889

Re: Receive dividends from Index funds?

Sure, if you need to spend dividends it's available. It's considered a withdrawal from your portfolio--probably about 2% per year.
by goingup
Wed Mar 28, 2018 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Gifting Appreciated Stocks to Grandparent to pay Child's Private School Tuition
Replies: 121
Views: 6606

Re: Gifting Appreciated Stocks to Grandparent to pay Child's Private School Tuition

Kitces wrote an entire article about gifting shares to pay for college and avoid taxes, and no one seemed to bat an eye. https://www.kitces.com/blog/liquidate-appreciated-securities-tax-free-for-college-funding-by-avoiding-the-kiddie-tax/ The only difference was that the gift was to the child, not ...
by goingup
Wed Mar 28, 2018 1:29 pm
Forum: Personal Consumer Issues
Topic: New 2019 RAV4 is now out - looks good
Replies: 34
Views: 2664

Re: New 2019 RAV4 is now out - looks good

That's a good looking vehicle. I'll be ready for a new SUV in 2019 and that will be on my list of contenders. Thanks for posting.