Search found 357 matches

by larmewar
Tue Oct 25, 2016 9:10 pm
Forum: Investing - Help with Personal Investments
Topic: Low Volatility Funds - Should I sell them?
Replies: 13
Views: 908

Re: Low Volatility Funds - Should I sell them?

The OP didn't say which global min volatility fund the investment was in. Foreign currency risk is hedged out of VG Global Min Volatility. So currency risk might be another consideration.

Lar
by larmewar
Sun Sep 04, 2016 6:38 am
Forum: Investing - Help with Personal Investments
Topic: Trying to open Vanguard, Stationed Overseas
Replies: 11
Views: 927

Re: Trying to open Vanguard, Stationed Overseas

The bank or credit union on post should be able to provide the signature certification, if you determine you still need one.

Lar
by larmewar
Sat Aug 27, 2016 10:39 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone else getting nervous and converting to cash as a short-term move?
Replies: 116
Views: 11500

Re: Anyone else getting nervous and converting to cash as a short-term move?

Nervous about bond valuations, but my solution is ST bond funds and TSP G. I'm at my low end for IT bonds, so not shifting any more other than a couple of maturing TIPs.

Lar
by larmewar
Sat Aug 27, 2016 10:25 pm
Forum: Investing - Help with Personal Investments
Topic: How much PrimeCap vs Total Stk Mkt
Replies: 25
Views: 1923

Re: How much PrimeCap vs Total Stk Mkt

I really like Wellington, so my Primecap + Cap Opportunity (placeholder) + Od Aggressive Growth is balanced by the equity part of Wellington and some Div Growth. Primecap + TSM is a tilt towards large growth and overweight in Tech and Healthcare. I haven't looked at Primecap Core, but Primecap and C...
by larmewar
Sat Aug 27, 2016 9:29 pm
Forum: Investing - Help with Personal Investments
Topic: Do you count your emergency fund?
Replies: 45
Views: 3294

Re: Do you count your emergency fund?

No. It is a separate bucket for emergencies. I have, however, always kept some of my IRA assets in short term bond funds for an extreme emergency (extended job loss).

Lar
by larmewar
Sat Jul 30, 2016 11:01 pm
Forum: Investing - Help with Personal Investments
Topic: VPMAX worth it? [Vanguard PRIMECAP]
Replies: 15
Views: 1965

Re: VPMAX worth it? [Vanguard PRIMECAP]

There is currently a $25K limit per account per year limit on new purchases. If you are comfortable with any overweight to tech and healthcare sectors and the associated additional risk, yes VPMAX is "worth it" IMO. I stopped adding to my VPMAX in Apr 2014 and reduced VGHCX to ease overwei...
by larmewar
Fri Jul 01, 2016 11:00 pm
Forum: Investing - Help with Personal Investments
Topic: Pay off the house leaving only $15k
Replies: 32
Views: 2200

Re: Pay off the house leaving only $15k

If your total of extra payments have been substantial, you might look a smaller lump sum extra payment combined with a recast (assuming your mortgage allows for a recast. The PI would be the remaining balance over the remaining life of the loan. If a recast doesn't make sense and not itemizing deduc...
by larmewar
Fri Jul 01, 2016 10:37 pm
Forum: Investing - Help with Personal Investments
Topic: $400,000 Roth Conversions Between Ages 66-69?
Replies: 109
Views: 12324

Re: $400,000 Roth Conversions Between Ages 66-69?

Also run the trials in after 70 with social security, both married and after one of you pass on. You may find, as I did, avoiding future income tax on social sec is an incentive for conversions.

Lar
by larmewar
Fri May 20, 2016 11:14 pm
Forum: Investing - Help with Personal Investments
Topic: Recast a mortgage right at the begining
Replies: 25
Views: 2131

Re: Recast a mortgage right at the begining

Expect to make the higher monthly payment until the the recast has been processed. My recast took almost three months to process, so 2-3 months at the previous PI payment. The difference in payments ends up going against the principal, so it isn't lost.

Lar
by larmewar
Thu Jan 21, 2016 10:16 pm
Forum: Investing - Help with Personal Investments
Topic: Minimum Loss for Tax Loss Harvesting
Replies: 4
Views: 561

Minimum Loss for Tax Loss Harvesting

My tax loss harvesting will kick in as soon as we get 30 days past EOY dividend/CG reinvestments. I've been thinking of setting a policy for the minimum loss, maybe 10 or 15%, before I will TLH. Staying in the market is a priority, so will buy similar but not same funds in IRAs. I would appreciate o...
by larmewar
Tue Jan 19, 2016 8:35 pm
Forum: Investing - Help with Personal Investments
Topic: TSP or Vanguard Index funds?
Replies: 17
Views: 2136

Re: TSP or Vanguard Index funds?

TIRA basis is reported on your IRS forms as a lump sum. So the basis can be counted against other TIRA accounts. You might also get by with using the basis against new after tax TIRA contributions, although that wouldn't make the original move right.

Lar
by larmewar
Mon Jan 18, 2016 4:48 pm
Forum: Investing - Help with Personal Investments
Topic: TSP or Vanguard Index funds?
Replies: 17
Views: 2136

Re: TSP or Vanguard Index funds?

The TSP L funds use the G fund for part of the bond allocation, with G fund accounting for more of bonds as the target date approaches. So the G fund might be part of the considerations.

Lar
by larmewar
Sat Jan 02, 2016 5:39 pm
Forum: Investing - Help with Personal Investments
Topic: DIY cheaper than Target Retirement Find?
Replies: 15
Views: 2019

Re: DIY cheaper than Target Retirement Find?

0.18% vs 0.08% (rounded off) on $500K is $500/yr. Is the extra work worth $40/month and change?

Lar
by larmewar
Mon Dec 28, 2015 7:58 pm
Forum: Investing - Help with Personal Investments
Topic: Is it worth realizing capital gains to front-load Roth contributions?
Replies: 8
Views: 875

Re: Is it worth realizing capital gains to front-load Roth contributions?

If you don't mind using the specified shares method for income taxes, you may have shares with specific losses or low/no gains shares that could be sold to front load the roth. If you do, remember the wash sale rules.

Lar
by larmewar
Mon Dec 28, 2015 7:44 pm
Forum: Investing - Help with Personal Investments
Topic: Pay down mortgage or stuff retirement accounts?
Replies: 24
Views: 2936

Re: Pay down mortgage or stuff retirement accounts?

I would look at itemized deductions before deciding. If itemized deductions excluding mortgage interest are less than the standard deduction, you aren't benefiting tax wise and the balance is tipped toward paying off the mortgage.

Lar
by larmewar
Mon Dec 28, 2015 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: Who's buying Oil stocks?
Replies: 168
Views: 23095

Re: Who's buying Oil stocks?

I'll be buying VGENX in a month, when the wash sale rule no longer applies to shares I sold for TLH. On the serious side, with Iran projected to put half a million BPD or so on the market, buying now may be a little early.

Lar
by larmewar
Mon Dec 28, 2015 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: vwehx [Vanguard Hi-Yield Corporate Fund]
Replies: 52
Views: 3799

Re: vwehx

High yield bonds are more correlated to stocks than government and investment grade bonds Form your comment about now not being the time to invest in stocks, it doesn't make sense. That said, the VG High Yield fund is on the conservative side for a high yield fund.

Lar
by larmewar
Tue Dec 15, 2015 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: Partial Rollover from Vanguard to TSP
Replies: 4
Views: 534

Re: Partial Rollover from Vanguard to TSP

MichDad,

Thanks for your response. When I wrote limited by one rollover per 12 months, I was referring to withdrawing and sending the rollover to TSP myself.

Lar
by larmewar
Tue Dec 15, 2015 7:10 am
Forum: Investing - Help with Personal Investments
Topic: Partial Rollover from Vanguard to TSP
Replies: 4
Views: 534

Partial Rollover from Vanguard to TSP

I'm considering a rollover from Vanguard IRA funds into the TSP, overall moving funds from short term bond to the G fund. I'm limited by the one IRA rollover per 12 months. Does anyone have any experience or encountered problems with Vanguard trustee direct to TSP rollovers? How was certification th...
by larmewar
Mon Dec 14, 2015 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: Predict stock movement this week
Replies: 33
Views: 2503

Re: Predict stock movement this week

I predict it will either go up or down for the week,but will not close exactly where it is now (although that is possible).

Lar
by larmewar
Tue Sep 01, 2015 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: If stocks dropped 30% next Monday, would you rebalance?
Replies: 103
Views: 7826

Re: If stocks dropped 30% next Monday, would you rebalance?

No. Because by the time I knew the market closed down 30%, the market would be closed such that I couldn't rebalance.

Lar
by larmewar
Tue Aug 25, 2015 10:53 pm
Forum: Investing - Help with Personal Investments
Topic: Avoiding wash sale when reinvesting dividends in IRA
Replies: 16
Views: 1669

Re: Avoiding wash sale when reinvesting dividends in IRA

An alternate tactic I used once, was to also exchange shares purchased with the dividend in the IRA. The shares sold are not tracked my account, but I specified shares in my financial software. Probably have to watch IRS rules on pairing shares for wash sales. I don't know if that will hold with the...
by larmewar
Fri Aug 14, 2015 10:53 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Contrafund
Replies: 41
Views: 8850

Re: Fidelity Contrafund

I had a small stake in FCNTX from 2004 to early 2013. Main reasons for getting out were asset bloat, dwindling small/mid cap allocations and over allocation to Apple.

Lar
by larmewar
Wed Jul 15, 2015 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: I-Savings Bonds
Replies: 53
Views: 7904

Re: I-Savings Bonds

My I-bond holdings met several purposes: 1) Part of emergency fund, 2) Stash proceeds from a 2005 rental house sale that is not part of investment portfolio, 3) FI alternative TIPs and bond funds and 4) inflation protection. Recently (since 2011), I mostly bought 3-4 times a year (plus tax refund co...
by larmewar
Fri Jul 10, 2015 11:53 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to invest in OIL
Replies: 66
Views: 7111

Re: Best way to invest in OIL

Vanguard Energy if you want a mutual fund, but realize you are betting against (with varying time frames): Libyan capacity not on market at the moment Iranian capacity not on the market at the moment Planned increases in Iraqi capacity, maybe also Saudi Substitution of natural gas for diesel in US t...
by larmewar
Fri Jul 03, 2015 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: Is a large emergency fund needed after 59 1/2
Replies: 25
Views: 3772

Re: Is a large emergency fund needed after 59 1/2

Depending on the situation, a small emergency fund may be adequate. I'm reducing the size of my emergency fund; cashing I-bonds with proceeds going towards paying off mortgage. I have a military pension though, so your situation is likely different than mine.

Lar
by larmewar
Sun Jun 28, 2015 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: Stable value as alternative to bond exposure?
Replies: 7
Views: 1406

Re: Stable value as alternative to bond exposure?

The downside to stable value funds as compared to intermediate bonds for dampening volatility is you won't get an increase in value when market yields drop. Conventional thinking for more "normal" times is when the economy is not good, bond yields drop (bond price increases) while stock pr...
by larmewar
Sun Jun 14, 2015 5:55 pm
Forum: Investing - Help with Personal Investments
Topic: Latest TSP (Thrift) Contribution Date?
Replies: 34
Views: 4296

Re: Latest TSP (Thrift) Contribution Date?

Your pay and TSP contributions count in the calendar year received, not the year of hours worked. Changes to my TSP take at least one pay period to take effect. Recommend you check the rules for what happens to the TSP contribution if there isn't enough left in your paycheck to make the full contrib...
by larmewar
Sun Jun 14, 2015 5:35 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone have multiple IRAs through different brokerage firms?
Replies: 25
Views: 2711

Re: Anyone have multiple IRAs through different brokerage firms?

Vanguard, Fidelity and Dodge & Cox. Fidelity is only 25% in Fidelity funds; rest is in non-Fidelity NTF funds and individual TIPS.

Lar
by larmewar
Sun Jun 14, 2015 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: Use of Vanguard Wellington
Replies: 7
Views: 1571

Re: Use of Vanguard Wellington

I do the same inside an IRA. It's easier for me to stick IT bonds in Wellington than if I had them in IT bond fund. I also believe the managers add value over time. Just be aware that Wellington is typically light on government and agencies.

Lar
by larmewar
Thu Jun 04, 2015 5:15 pm
Forum: Investing - Theory, News & General
Topic: Cash IBonds to Paydown Mortgage
Replies: 9
Views: 1463

Re: Cash IBonds to Paydown Mortgage

Cruncher, After mortgage paydown, for illustration (not actual numbers): Without lumping itemized deductions 2016: Itemized deductions 12000 Standard Deduction 12,400, (-$3,100 tax) 2017: Itemized deductions 12000 Standard Deduction 12,400, (-$3,100 tax) Lumping itemized deductions, accelerating $3,...
by larmewar
Tue Jun 02, 2015 10:30 pm
Forum: Investing - Theory, News & General
Topic: Cash IBonds to Paydown Mortgage
Replies: 9
Views: 1463

Re: Cash IBonds to Paydown Mortgage

Cruncher, My break even inflation rates are for 5-10 years. If not cashed now, the Ibonds will probably be cashed as part of covering expenses while delaying social security. Your assumption that mortgage interest is fully deductible is not completely correct. I'll alternate between taking the stand...
by larmewar
Mon Jun 01, 2015 10:43 pm
Forum: Investing - Theory, News & General
Topic: Cash IBonds to Paydown Mortgage
Replies: 9
Views: 1463

Re: Cash IBonds to Paydown Mortgage

The mortgage is fixed rate. Investments are 52/48 equities and FI. Fixed income is TSP G (36% of FI), individual TIPS (5% of FI), short/intermediate bond funds and FI side of Wellington.

Lar
by larmewar
Mon Jun 01, 2015 6:10 pm
Forum: Investing - Theory, News & General
Topic: Cash IBonds to Paydown Mortgage
Replies: 9
Views: 1463

Cash IBonds to Paydown Mortgage

I'm considering whether to cash IBonds with 1.1 and 1.2% fixed rates to paydown 2.875% mortgage with retirement 3-5 years away. After tax calculations indicate 1.8% inflation is the break-even point. Factoring in lumping of itemized deductions, shifts the break-even inflation to 2.6%. The Ibonds in ...
by larmewar
Tue Apr 28, 2015 9:48 pm
Forum: Investing - Help with Personal Investments
Topic: Lousy 401k question
Replies: 27
Views: 2518

Re: Lousy 401k question

Paying down mortgage as bond investment is OK if you don't need liquidity. But if you do pay down the mortgage, only include extra principal payment that otherwise would have gone into investments.

Lar
by larmewar
Tue Apr 28, 2015 9:41 pm
Forum: Investing - Help with Personal Investments
Topic: How to best utilize TSP in retirement, particularly G Fund
Replies: 22
Views: 2499

Re: How to best utilize TSP in retirement, particularly G Fu

If your mother-in-law gets antsy from checking markets (and their investments) too often, balanced funds like the TSP L series might be helpful. Personally, I don't like to see bond funds jumping around so Wellington helps me stick with intermediate term bonds.

Lar
by larmewar
Sun Apr 26, 2015 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: Can you make trades directly between investments?
Replies: 13
Views: 1038

Re: Can you make trades directly between investments?

Fidelity allows trading between funds in the same fund family without waiting for settlement. I can and have traded this way in my IRA between Fidelity funds and between Oakmark funds. If funds are in different fund families, one has to wait for funds to settle.

Lar
by larmewar
Sat Apr 25, 2015 9:41 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Short term inflation fund for emergency fund?
Replies: 1
Views: 524

Re: Vanguard Short term inflation fund for emergency fund?

It may take some time due to annual limits, but I-bonds are a better than Short Term Inflation now. Short Term Inflation has a negative real yield and you are paying the ER for the privilege.

Lar
by larmewar
Fri Apr 24, 2015 10:45 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard 500 Index Fund (VFINX) vs. ETF Version
Replies: 7
Views: 4981

Re: Vanguard 500 Index Fund (VFINX) vs. ETF Version

When your VFINX reaches $10K you can convert to VFIAX. With the mutual funds, it is invest to add small amounts.

Lar
by larmewar
Sat Feb 07, 2015 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Winding Down U-Life
Replies: 0
Views: 361

Winding Down U-Life

I have a $100K Universal life policy with USAA that has a cash value of $40K. Insurance rates actually charged have been much lower than the guaranteed rates, essentially term rates. Administrative fees are $2.50/mo and guaranteed minimum return is 4%. Death benefit is currently insurance plus cash ...
by larmewar
Sat Jan 17, 2015 10:39 am
Forum: Investing - Help with Personal Investments
Topic: Sell Long term bonds with large gain for short term bonds
Replies: 49
Views: 6520

Re: Sell Long term bonds with large gain for short term bond

I prefer individual TIPS to TIPS funds. TIPS bought at auction have no transaction cost and 0 BP ER.

Lar
by larmewar
Sat Jan 03, 2015 9:19 pm
Forum: Investing - Help with Personal Investments
Topic: IRA Rollover Question
Replies: 5
Views: 991

Re: IRA Rollover Question

Alan,

Thanks. For the one rollover within 12 months, are TIRA and Roth rollovers counted together or separately?

Lar
by larmewar
Thu Jan 01, 2015 11:47 pm
Forum: Investing - Help with Personal Investments
Topic: IRA Rollover Question
Replies: 5
Views: 991

Re: IRA Rollover Question

I want to split the rollover between D&C and Vanguard. The D&C IRA has a bank as custodian, don't remember which one off-hand. So say I take $1,000 from credit union IRA to me. I then send $500 to Vanguard IRA and $500 to D&C IRA (technically to the custodian) to rollover the funds. Then...
by larmewar
Thu Jan 01, 2015 9:39 am
Forum: Investing - Help with Personal Investments
Topic: IRA Rollover Question
Replies: 5
Views: 991

IRA Rollover Question

I'll be rolling over part of credit union IRA CD in January, proceeds going through me. Rollovers are limited to on per 12 months. So can I split the rollover and send part to Dodge and Cox and part to Vanguard?

Lar
by larmewar
Tue Nov 25, 2014 12:51 am
Forum: Investing - Help with Personal Investments
Topic: IRA Contribution Question and Age
Replies: 18
Views: 2306

Re: IRA Contribution Question and Age

I hadn't realized the thresholds aren't indexed for inflation. At 2-2.5% inflation, that wipes out about half the $2,500 or so in reduced income taxes. So I'll put on the shelf and take another look about the time I retire.

Thanks,
Lar
by larmewar
Sun Nov 23, 2014 1:05 pm
Forum: Investing - Help with Personal Investments
Topic: IRA Contribution Question and Age
Replies: 18
Views: 2306

Re: IRA Contribution Question and Age

Thanks for all the responses and ideas. In retirement, I won't be itemizing deductions and between medical and LTC insurance there isn't much potential for going over the standard deduction year after year. Roth now, or TIRA now/convert later is a wash with the same employed/retired tax rates and ta...
by larmewar
Sat Nov 22, 2014 1:13 am
Forum: Investing - Help with Personal Investments
Topic: IRA Contribution Question and Age
Replies: 18
Views: 2306

Re: IRA Contribution Question and Age

In today's dollars, I'll have about $47K/yr from military retirement and a small civil service pension. So pensions are almost completely inflation adjusted. I already have more in Traditional IRAs and TSP than I'll be able to convert in 15% bracket. Optimizing looks impossible. Take cap gains or co...
by larmewar
Tue Nov 18, 2014 11:05 pm
Forum: Investing - Help with Personal Investments
Topic: IRA Contribution Question and Age
Replies: 18
Views: 2306

IRA Contribution Question and Age

Is there an age or time till retirement past which it is generally considered preferrable to invest in a taxable account instead of making contributions to a traditional IRA or 401K? Same question for a Roth IRA? Additional background: - 25% tax bracket now and will be in the same bracket when retir...
by larmewar
Sat Nov 01, 2014 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: Does it matter when I buy Vanguard?
Replies: 13
Views: 2176

Re: Does it matter when I buy Vanguard?

You can get an approximation by looking at the dates in previous years. I don't remember the timing, but VG usually provides dates and dividend/CG estimates as we get close to the end of the year.

Lar
by larmewar
Sat Oct 18, 2014 9:37 pm
Forum: Investing - Help with Personal Investments
Topic: Any reason not to buy the International Bond Index Fund?
Replies: 15
Views: 3038

Re: Any reason not to buy the International Bond Index Fund?

The bond portion of Target Retirement is only 20% International Bond Index. The 50% sounds too high and doesn't leave much room for inflation indexed.

Lar

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