Search found 20 matches

by mikejomike
Fri Apr 07, 2017 1:41 pm
Forum: Investing - Help with Personal Investments
Topic: Are there stipulations to buying and selling index funds?
Replies: 4
Views: 366

Re: Are there stipulations to buying and selling index funds?

You may get into 'wash sales' with the IRS...Google it and read about it. I don't think it would apply in a Roth though.
by mikejomike
Thu Apr 06, 2017 11:51 am
Forum: Investing - Help with Personal Investments
Topic: Transfer of Assets Timing
Replies: 5
Views: 328

Re: Transfer of Assets Timing

Thanks for the feedback. I may have to go with the rollover. The fund options are limited, and the new custodian (Fidelity) cannot take the current funds in kind (that would be ideal)
by mikejomike
Thu Apr 06, 2017 10:39 am
Forum: Investing - Help with Personal Investments
Topic: Transfer of Assets Timing
Replies: 5
Views: 328

Transfer of Assets Timing

I will be transferring a $300k solo 401k to a new custodian. This means the money will be out of the market for up to 2 weeks. I know the general thought is not to time the market, but at this point in time, if you were to transfer, would you do it immediately or is there some event you would wait f...
by mikejomike
Wed Apr 05, 2017 8:54 am
Forum: Investing - Help with Personal Investments
Topic: Are there fees for dividend reinvestment?
Replies: 2
Views: 461

Are there fees for dividend reinvestment?

I am transferring an SE401k to Fidelity. I want some Vanguard in it, specifically Wellesley. I know there will be an initial charge to buy the fund, but does anyone know if there will be fees for the dividend reinvestment?
by mikejomike
Mon Mar 20, 2017 8:21 pm
Forum: Investing - Help with Personal Investments
Topic: Utah Vs. New York 529 - Which one and why?
Replies: 18
Views: 1038

Re: Utah Vs. New York 529 - Which one and why?

We have Utah. If you use the age based investment, they put you in VITPX (VG Total Market) with a .02 ER. I can get a state tax deduction for a 529 in any state, and I chose Utah. It's consistently rated very high.
by mikejomike
Mon Mar 20, 2017 7:47 am
Forum: Investing - Help with Personal Investments
Topic: Where to find yearly returns: Barclay Municipal
Replies: 1
Views: 371

Where to find yearly returns: Barclay Municipal

I'm looking at the performance of a holding relative to the benchmarks, going back to 2008. Finding yearly S&P data is rather easy, but I'm struggling with finding yearly data on Barclay Municipal. Morningstar has lots of info, but it seems to be a rolling basis...I'm looking for the return for ...
by mikejomike
Mon Mar 20, 2017 6:53 am
Forum: Investing - Help with Personal Investments
Topic: Advice for moving from financial advisor
Replies: 11
Views: 867

Re: Advice for moving from financial advisor

I've never transferred a taxable account, but if you transfer in kind, will all basis information be transferred as well? I'm looking to get away from our FA, but there is still some uncovered holdings that I'm not sure how they will be handled. I have to investigate as to whether or not I'm up for ...
by mikejomike
Mon Mar 13, 2017 2:30 pm
Forum: Investing - Help with Personal Investments
Topic: How big of an ETF buy will significantly move an ETF price?
Replies: 9
Views: 604

Re: How big of an ETF buy will significantly move an ETF price?

I suspected it would be somewhat of a drop in the bucket...thank for the confirmations
by mikejomike
Mon Mar 13, 2017 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: How big of an ETF buy will significantly move an ETF price?
Replies: 9
Views: 604

How big of an ETF buy will significantly move an ETF price?

How big of an ETF buy will significantly move an ETF? I doubt I'm anywhere close to what would move the needle much, but if I put in a $100,000 market order for an ishares (lets say IJR, currently $68.47/share), could I reasonably expect it to stay in a +/-$.10 range (as a wild guess)? I assume the ...
by mikejomike
Fri Mar 10, 2017 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: How to Invest 401k
Replies: 3
Views: 250

Re: How to Invest 401k

I'm trying to consolidate many accounts and many (about 45) different funds. I guess I should've just asked the question: is there a good reason to have bonds in an account that will not be touched for 20+ years, regardless of other investments?
by mikejomike
Fri Mar 10, 2017 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: How to Invest 401k
Replies: 3
Views: 250

How to Invest 401k

I'm rolling over a Solo 401k with 300k in it. Probably won't have any more contributions to it, at least in the near term. We have 1 yr cash emergency fund, bonds in a taxable account that will cover about another 10 yrs in an emergency (including paying off the remainder of a mortgage). We won't to...
by mikejomike
Wed Mar 08, 2017 9:50 am
Forum: Investing - Help with Personal Investments
Topic: Should I be distributed throughout the Style Map?
Replies: 6
Views: 339

Re: Should I be distributed throughout the Style Map?

Thanks for the responses. I think I currently have the hodgepodge of funds, partially because of limited offerings in 401k's. But I'm in the process of moving the funds that I have more control over to the total market funds.
by mikejomike
Wed Mar 08, 2017 7:54 am
Forum: Investing - Help with Personal Investments
Topic: Should I be distributed throughout the Style Map?
Replies: 6
Views: 339

Should I be distributed throughout the Style Map?

When you look up funds, they give the style map where they fall- large value, mid blend, etc. Should I try to make my investments fall into as many of these as I can, or is this not very important? I'm currently trying to shift things around from funds my wife had with an adviser.
by mikejomike
Mon Mar 06, 2017 10:33 am
Forum: Investing - Help with Personal Investments
Topic: List of different Vanguard shares that cover the same fund?
Replies: 8
Views: 420

List of different Vanguard shares that cover the same fund?

Anyone know where I can find a list of Vanguard shares theat have different tickers but cover the same fund? For example, the
Vanguard Total Stock Market Index Fund has institutional shares under VITPX, Admiral shares under VTSAX, Investor Shares under VTSMX and ETF under VTI.

Thanks
by mikejomike
Fri Mar 03, 2017 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: One roll over per year rule- why?
Replies: 3
Views: 422

Re: One roll over per year rule- why?

If someone had 3 IRAS, they could pull money from IRA 1. 59 days later, take money from IRA 2 and put it back into IRA 1. Then 59 days later, take money from IRA 3 and put it back into IRA 2. 59 days after that, they have to come up with the money to put it back into IRA 3. None of those withdrawal...
by mikejomike
Fri Mar 03, 2017 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: One roll over per year rule- why?
Replies: 3
Views: 422

One roll over per year rule- why?

I came across the one rollover per year rule today. Initially I thought I violated it, but it turns out I did transfers as opposed to rollovers. Looking in it, I'm trying to figure out the purpose of this rule- what is it really trying to protect against? Also, the IRA to Roth conversions, as well a...
by mikejomike
Thu Mar 02, 2017 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: How to move solo 401k from one provider to another
Replies: 1
Views: 147

How to move solo 401k from one provider to another

Does anyone have experience moving a solo 401k from one provider to another? My wife has a solo 401k that she's not actively using, though may want to use in the future. We'd like to move it from the current (high fee, low options) provider to Fidelity. Not rolling into an IRA also allows use to do ...
by mikejomike
Wed Mar 01, 2017 8:27 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Self Employed 401k vs IRA
Replies: 4
Views: 338

Re: Vanguard Self Employed 401k vs IRA

You can amend your one-participant 401k to another provider. There are two fairly decent options with the equivalent of Vanguard Admiral shares which Vanguard does not offer in their Individual 401k. TD Ameritrade offers commission-free trades of Vanguard ETFs. They accept rollovers, have designate...
by mikejomike
Tue Feb 28, 2017 2:47 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Self Employed 401k vs IRA
Replies: 4
Views: 338

Re: Vanguard Self Employed 401k vs IRA

PFInterest wrote:if the options are good leave it alone.

They're not. That's why I want to move it.
by mikejomike
Tue Feb 28, 2017 10:00 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Self Employed 401k vs IRA
Replies: 4
Views: 338

Vanguard Self Employed 401k vs IRA

My wife has an old self employed 401k that is still open, but not actively contributed to. We're considering rolling it into a Vanguard IRA or a Vanguard 401k. She used to do contract work, and there's a very small possibility that she may go back to it, so if it's pretty much all the same, we'd lik...

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