Search found 541 matches

by my name
Sat Feb 17, 2018 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: Reinvesting RMDs
Replies: 18
Views: 2237

Reinvesting RMDs

I am thinking of having one RMD withdrawal. It will be at end of year. I will reinvest the amount. So this will be Total Stock Market (deferred) to Total Stock Market (taxable). Questions - 1. Should I time this to happen just after the December distribution for the purchase in the taxable account t...
by my name
Tue Feb 13, 2018 7:07 pm
Forum: Investing - Help with Personal Investments
Topic: cost basis on noncovered stock
Replies: 2
Views: 201

cost basis on noncovered stock

I sold my bank stock at Vanguard in 2017. The Vanguard tax form does provide an unreported cost basis for noncovered transactions. Question - The stock was sold as FIFO, but I sold it all. Is the share price for each transaction using the average price? If so, as there are not too many rows, does it...
by my name
Tue Feb 13, 2018 6:51 pm
Forum: Investing - Help with Personal Investments
Topic: Is this a DRIP?
Replies: 2
Views: 277

Re: Is this a DRIP?

Thank you ! For being so clear.
by my name
Tue Feb 13, 2018 6:44 pm
Forum: Investing - Help with Personal Investments
Topic: Is this a DRIP?
Replies: 2
Views: 277

Is this a DRIP?

I have mutual funds and some individual stock at Vanguard. One stock is for Bank of New York, I transferred these shares to Vanguard many years ago and did not check the box to reinvest dividends, then one day I did and have reinvested ever since. I have added no new money. In 2017 I sold all of the...
by my name
Thu Dec 28, 2017 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: Strategy for conversion of $1.8 million IRA
Replies: 80
Views: 11084

Re: Strategy for conversion of $1.8 million IRA

Recharacterization can mitigate this on a case by case basis, but doesn't solve the problem. I've read in several places that the new tax law does not allow recharacterization. Warnings about managing Roth conversions with this in mind. https://www.fool.com/taxes/2017/12/17/the-roth-ira-trick-congr...
by my name
Wed Dec 20, 2017 11:34 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Wellesley Income Fund VWIAX VS "Global" Wellesley Income Fund VGYAX? Should I move? Would you? Wellington?
Replies: 41
Views: 5672

Re: Vanguard Wellesley Income Fund VWIAX VS "Global" Wellesley Income Fund VGYAX? Should I move? Would you? Wellingto

What about the Wellington vs Wellington Global? I see info now posted with the Global funds, what they bought. This should be interesting. I have now made some money on my original purchase when first announced. Was worrisome watching price fluctuate without knowing what the activity was. #1 Global...
by my name
Tue Nov 21, 2017 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard on 2018
Replies: 11
Views: 2467

Vanguard on 2018

https://www.cnbc.com/2017/11/21/vanguard-groups-stock-market-investor-outlook-hits-a-post-crisis-low.html EXCERPT: Vanguard's outlook does match the view of company founder Bogle, who this week told CNBC that stocks would generate returns in the range of 4 percent in the future. Where Vanguard now p...
by my name
Sun Nov 19, 2017 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Part B premium unchanged for 2018
Replies: 52
Views: 4245

Re: Medicare Part B premium unchanged for 2018

Don't forget your option to use QCDs (Qualified Charitable Distributions) to keep your MAGI in check. I see charitable giving like QCDSs for those who plan to give away money anyway. Otherwise you are giving up a large chunk of money you may need. Lynette - someone said paying the taxes means you m...
by my name
Sun Nov 19, 2017 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Part B premium unchanged for 2018
Replies: 52
Views: 4245

Re: Medicare Part B premium unchanged for 2018

Lynette wrote:
Sun Nov 19, 2017 10:07 am
I was not aware of IRMAA premiums when I did my tax planning for retirement. Oh well!!
Yes, a lot of people get surprised when they delay SS to age 70, right when they begin RMDs. The taxes can be huge, plus the extra cost for Medicare premiums B and D.
by my name
Sun Nov 19, 2017 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap plan F--Aetna or Statefarm
Replies: 27
Views: 3931

Re: Medigap plan F--Aetna or Statefarm

I have been paying $17.00/month for Humana's drug plan which will change to $20.40 in 2018 Aetna is offering $12.70/month for their drug plan. Neither in 2016 or 2017 have I used their drug plan. Has anyone used Aetna for their drug plan? Right now I am using Aetna for my Medicare supplemental plan...
by my name
Wed Nov 15, 2017 7:55 am
Forum: Investing - Help with Personal Investments
Topic: Help deciding between Wellesley and 4 Corporate Bond Index Funds
Replies: 14
Views: 1925

Re: Help deciding between Wellesley and 4 Corporate Bond Index Funds

Some thoughts. I have the intermediate term bond index. This might be a good "compromise" instead of the lower returns of the total bond index and perhaps higher risk of the high yield. Jack Bogel had a recent video interview saying it was a good choice with a bit better return - and does seem to do...
by my name
Tue Nov 14, 2017 10:21 am
Forum: Investing - Help with Personal Investments
Topic: problem new Vanguard Global Wellington fund
Replies: 29
Views: 2421

Re: problem new Vanguard Global Wellington fund

AlohaJoe wrote:
Tue Nov 14, 2017 10:07 am
They will disclose the portfolio holdings 30 days after the end of the quarter.
And why was this simple sentence not the content of one of your prior replies? Why the drip, drip, drip game? Others have previously given this information, so you are late to the party, it is not helpful.
by my name
Tue Nov 14, 2017 10:03 am
Forum: Investing - Help with Personal Investments
Topic: problem new Vanguard Global Wellington fund
Replies: 29
Views: 2421

Re: problem new Vanguard Global Wellington fund

It might be easy enough to wait a few months until the system catches up with this new fund unless there is some special glory to being in at the opening. You make a good point. After I invested, I read that getting in on a new fund only helps the fund company, and has no advantage for the investor...
by my name
Tue Nov 14, 2017 9:36 am
Forum: Investing - Help with Personal Investments
Topic: problem new Vanguard Global Wellington fund
Replies: 29
Views: 2421

Re: problem new Vanguard Global Wellington fund

GLState wrote:
Tue Nov 14, 2017 9:31 am
Vanguard Portfolio Holdings Disclaimer
https://investor.vanguard.com/investing ... disclaimer
Great, thank you!
by my name
Tue Nov 14, 2017 9:29 am
Forum: Investing - Help with Personal Investments
Topic: problem new Vanguard Global Wellington fund
Replies: 29
Views: 2421

Re: problem new Vanguard Global Wellington fund

If you look at a fund that has been in existence for a while you will see that the posted information is all backwards looking - usually the end of the previous quarter NOT the previous month as you seem to be expecting. So if the fund is only a month old, you won't see any of this information unti...
by my name
Tue Nov 14, 2017 9:17 am
Forum: Investing - Help with Personal Investments
Topic: problem new Vanguard Global Wellington fund
Replies: 29
Views: 2421

Re: problem new Vanguard Global Wellington fund

Also, this isn't true. The prospectus has a section titled "Portfolio Holdings" that answers your question. No, the prospectus does not have the info I am asking about, just descriptive strategy and objectives. The prospectus states, "This is the Fund’s initial prospectus, so it does not contain pe...
by my name
Tue Nov 14, 2017 8:02 am
Forum: Investing - Help with Personal Investments
Topic: problem new Vanguard Global Wellington fund
Replies: 29
Views: 2421

Re: problem new Vanguard Global Wellington fund

saltycaper wrote:
Tue Nov 14, 2017 7:58 am
If this fund was launched last month, I would guess it will be until the end of the quarter before info is posted. That seems to be when those pages get updated.
Thank you !
by my name
Tue Nov 14, 2017 7:56 am
Forum: Investing - Help with Personal Investments
Topic: problem new Vanguard Global Wellington fund
Replies: 29
Views: 2421

Re: problem new Vanguard Global Wellington fund

Apologies, I (like I'm sure many here) interpreted your question as worded as asking whether the drop was normal. You are right. I changed my original post to be more clear, "Is it normal for a new fund to post changes but without any backup data on the holdings and performance? I expected the mont...
by my name
Tue Nov 14, 2017 7:41 am
Forum: Investing - Help with Personal Investments
Topic: problem new Vanguard Global Wellington fund
Replies: 29
Views: 2421

Re: problem new Vanguard Global Wellington fund

The prospectus is just strategy and objectives. The fund is down because in the last month global equities of moved down slightly and the 10 year treasury has moved from 2.3% yield to 2.4% yield causing bonds to drop in value. This sentence is helpful. Thank you. In addition, my post was more about...
by my name
Tue Nov 14, 2017 7:34 am
Forum: Investing - Help with Personal Investments
Topic: problem new Vanguard Global Wellington fund
Replies: 29
Views: 2421

Re: problem new Vanguard Global Wellington fund

Is this what you are looking for? https://personal.vanguard.com/us/funds/snapshot?FundId=1767&FundIntExt=INT I already have that. And it clearly shows no activity info. My post says there is no info available (holdings, performance), while displaying the fund changes. My question asking if this is ...
by my name
Tue Nov 14, 2017 6:48 am
Forum: Investing - Help with Personal Investments
Topic: problem new Vanguard Global Wellington fund
Replies: 29
Views: 2421

Re: problem new Vanguard Global Wellington fund

The prospectus is just strategy and objectives.
by my name
Tue Nov 14, 2017 6:37 am
Forum: Investing - Help with Personal Investments
Topic: problem new Vanguard Global Wellington fund
Replies: 29
Views: 2421

problem new Vanguard Global Wellington fund

Your thoughts are appreciated. I know this is early. This new fund has no info available as it is under a month old. However. I invested just over $200k in the admiral fund. Today in my funds overview, I see a negative change. The announced price was $25, today the share price is $24.84, the value i...
by my name
Tue Nov 14, 2017 6:10 am
Forum: Investing - Help with Personal Investments
Topic: ques - stock limit order
Replies: 4
Views: 582

Re: ques - stock limit order

Thanks, very helpful.
by my name
Mon Nov 13, 2017 8:16 pm
Forum: Investing - Help with Personal Investments
Topic: ques - stock limit order
Replies: 4
Views: 582

Re: ques - stock limit order

Thank you !
by my name
Mon Nov 13, 2017 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: ques - stock limit order
Replies: 4
Views: 582

ques - stock limit order

IBM uses Computershare for holding their stock. I am told by Computershare that IBM common stock held in my account cannot be sold with a limit order (but the separate ESPP shares can be). They form only lets you say how many shares, and cost basis type, and they display the estimated market value. ...
by my name
Sun Nov 05, 2017 11:49 am
Forum: Investing - Help with Personal Investments
Topic: Should one use REITs
Replies: 48
Views: 6232

Re: Should one use REITs

I'll just say this, without any numbers to back me up. But I recall when things went bad (crash), REITs went REALLY bad. So there seems an extra risk, not sure about any (dependable) reward side.
by my name
Sun Nov 05, 2017 11:46 am
Forum: Investing - Help with Personal Investments
Topic: buying into fund and end of year distributions
Replies: 3
Views: 505

buying into fund and end of year distributions

Your thoughts are appreciated. I know the concern about buying just before end of year distributions are made in taxable mutual funds. But I am also reading this does not matter much for broad index funds. Do you agree, in this generally? I want to get the sale of a stock on this year's tax return, ...
by my name
Thu Nov 02, 2017 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: comparing managed versus non-managed funds
Replies: 2
Views: 206

comparing managed versus non-managed funds

Are tools like Fund Analyzer really useful? Don't they just compare numbers? So if you compare a managed fund with an index fund (like compare Wellesley or Wellington with the Total Stock Market Index), you need to separately decide if the management team can make changes that do better than the ind...
by my name
Thu Nov 02, 2017 12:12 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Wellesley Income Fund VWIAX VS "Global" Wellesley Income Fund VGYAX? Should I move? Would you? Wellington?
Replies: 41
Views: 5672

Re: Vanguard Wellesley Income Fund VWIAX VS "Global" Wellesley Income Fund VGYAX? Should I move? Would you?

What is the advantage of doing so, versus after it goes live? No advantage apparently. Just saw this from TheStreet. "These cash-raising marketing campaigns can be a bonanza for fund companies, but they offer no material benefit to fund investors. (not like stock IPO that can have immediate price s...
by my name
Thu Nov 02, 2017 11:58 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Wellesley Income Fund VWIAX VS "Global" Wellesley Income Fund VGYAX? Should I move? Would you? Wellington?
Replies: 41
Views: 5672

Re: Vanguard Wellesley Income Fund VWIAX VS "Global" Wellesley Income Fund VGYAX? Should I move? Would you?

I invested during the subscription period. I do expect the fund manager I'm paying to make wise selections. I also invested during subscription period. What is the advantage of doing so, versus after it goes live? Saw the note there is no display of data as the fund is less than a month old. Hard t...
by my name
Wed Nov 01, 2017 6:05 pm
Forum: Investing - Help with Personal Investments
Topic: Roth fund choices
Replies: 8
Views: 695

Re: Roth fund choices

David Jay wrote:
Wed Nov 01, 2017 5:58 pm
... we expect to leave our Roth assets to your kids.
Why, thank you ! :sharebeer
by my name
Wed Nov 01, 2017 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Wellesley Income Fund VWIAX VS "Global" Wellesley Income Fund VGYAX? Should I move? Would you? Wellington?
Replies: 41
Views: 5672

Re: Vanguard Wellesley Income Fund VWIAX VS "Global" Wellesley Income Fund VGYAX? Should I move? Would you?

... It is tough to predict the success of the new fund, though. I know past doesn't predict future but the vanilla Wellesley has quite a history. The vanilla "Well" funds have added international for a while, according to their promo materials, video. So they built the experience into it, and that ...
by my name
Wed Nov 01, 2017 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: Roth fund choices
Replies: 8
Views: 695

Roth fund choices

What did you choose to have in your Roth IRA? Any reasoning you'd like to share?
by my name
Wed Nov 01, 2017 7:28 am
Forum: Investing - Help with Personal Investments
Topic: Long Term Savings in Roth IRA
Replies: 7
Views: 917

Re: Long Term Savings in Roth IRA

I think using Roth space is great idea,it's use it or loose anyway.If you decide to spend money before retirement fine,money is there to enjoy it Money may not be simply to enjoy, but for a purpose like self-funding long term care if and when needed. You can't save everything for retirement,if OP i...
by my name
Wed Nov 01, 2017 6:53 am
Forum: Investing - Help with Personal Investments
Topic: Long Term Savings in Roth IRA
Replies: 7
Views: 917

Re: Long Term Savings in Roth IRA

Johm221122 wrote:
Wed Nov 01, 2017 4:07 am
I think using Roth space is great idea,it's use it or loose anyway.If you decide to spend money before retirement fine,money is there to enjoy it
Money may not be simply to enjoy, but for a purpose like self-funding long term care if and when needed.
by my name
Wed Nov 01, 2017 6:38 am
Forum: Investing - Help with Personal Investments
Topic: new fund question... [Vanguard Wellesley Income "Global"]
Replies: 3
Views: 868

Re: new fund question... [Vanguard Wellesley Income "Global"]

I chose to invest in Global Wellington, given its stock tilt. I had no international exposure (other than TSM's global companies). I like the opportunity to be at the start of something new, but with an experienced team. This gives balance with us/foreign, stocks/bonds. It is a low cost (go admiral)...
by my name
Mon Oct 30, 2017 6:09 pm
Forum: Investing - Help with Personal Investments
Topic: New Jack Bogle Interview on Investing
Replies: 4
Views: 920

Re: New Jack Bogle Interview on Investing

The Vanguard Interm-Term Bond Index Adm (VBILX) fulfills Jack Bogle's comment, "but I would take a 50/50 corporate/Treasury (that) would be a reasonable pick, and maybe not quite so short.
by my name
Mon Oct 30, 2017 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: New bond fund 401k
Replies: 13
Views: 874

Re: New bond fund 401k

I don't see where you found the "Yield 2.21%" for the bond fund. According to Morningstar, the fund performance (total return) has been: YTD------3.46% 1 year---1.62% 3 year---2.71% 5 years--2.49% 10 years 4.59% The yield, today 2.38, is found at the link I provided above, repeat here, see summary ...
by my name
Mon Oct 30, 2017 9:32 am
Forum: Investing - Help with Personal Investments
Topic: New bond fund 401k
Replies: 13
Views: 874

Re: New bond fund 401k

You can review it here, at Yahoo Finance, summary and performance. https://finance.yahoo.com/quote/FEPAX?p=FEPAX I don't know what your plan holds for funds, but the stable value fund is a low return one. My employer plan had 3%. I've just rolled over my 401K to Vanguard for more fund choices, I'm r...
by my name
Mon Oct 30, 2017 8:21 am
Forum: Investing - Help with Personal Investments
Topic: New Jack Bogle Interview on Investing
Replies: 4
Views: 920

New Jack Bogle Interview on Investing

Jack Bogle interviews. Recent topics have debated which bond index fund, also active versus passive management. His thoughts. Sounds like he's leaning towards a bit more corporate when picking a bond index. http://news.morningstar.com/Cover/videoCenter.aspx?id=830771 The first 2 video are Bogle inte...
by my name
Sun Oct 29, 2017 11:08 am
Forum: Investing - Help with Personal Investments
Topic: Comparing Income Funds
Replies: 4
Views: 374

Re: Comparing Income Funds

I've been through the portfolio question and feedback before. Just checking on these "income" funds and any thoughts.
by my name
Sun Oct 29, 2017 10:49 am
Forum: Investing - Help with Personal Investments
Topic: Comparing Income Funds
Replies: 4
Views: 374

Comparing Income Funds

I am looking at both Vanguard Tax-Managed Balanced Adm (VTMFX) and Vanguard Wellesley Income Admiral (VWIAX). It seems both are good funds, the VTMFX has a bit more stock than bonds, so more risk, but over time keeps returns a bit more. As managed funds, are both suitable for a taxable account or be...
by my name
Sun Oct 29, 2017 9:17 am
Forum: Investing - Help with Personal Investments
Topic: Tax Managed Balanced Fund vs Total Stk Mkt plus Tax Exempt Bond Index
Replies: 28
Views: 2602

Re: Tax Managed Balanced Fund vs Total Stk Mkt plus Tax Exempt Bond Index

My IPS statement is about 50 pages long...My trust also has instructions to tap into a co-corporate trustee or advisor, or Vanguard VPAS, if that is needed. Sandtrap, if I may ask. How was your trust set-up? Do you have as trustees corporate / institution professionals to co-manage? Do you have dou...
by my name
Sun Oct 29, 2017 9:05 am
Forum: Investing - Help with Personal Investments
Topic: Tax Managed Balanced Fund vs Total Stk Mkt plus Tax Exempt Bond Index
Replies: 28
Views: 2602

Re: Tax Managed Balanced Fund vs Total Stk Mkt plus Tax Exempt Bond Index

My bracket has gone up and down and up. When my bracket went below 28%, I stayed with Tax-Exempt bonds, even pre-tax it did better than Total Bond Index. Other states are similar, NJ a bit more risk maybe. The TE bond and my Roth provide tax free money for expenses like a new car, and maybe to pay t...
by my name
Sun Oct 29, 2017 8:14 am
Forum: Investing - Help with Personal Investments
Topic: Managing investments for LTC
Replies: 1
Views: 194

Managing investments for LTC

You are planning retirement with your investments. How are you managing your investments, or otherwise, for long term care? My investments are for long term care should I need that, when I pass anything left goes to charity. LTC insurance is not really that great - life time cap may be $200,000. And...
by my name
Sun Oct 29, 2017 8:06 am
Forum: Investing - Help with Personal Investments
Topic: What is the best AA for me?
Replies: 24
Views: 1912

Re: What is the best AA for me?

Excellent topic. While my pension - income sources are tinier, so are my expenses. I did "max the max" on social security - at FRA 66 I was just a hair under the max that can be paid, then delayed to 70 which I am this year. The concepts posted here are just as valuable, great food-for-thought. Than...
by my name
Sun Oct 29, 2017 7:10 am
Forum: Investing - Help with Personal Investments
Topic: Comparing funds for decision
Replies: 14
Views: 1092

Re: Comparing funds for decision

I also use Wellesly but am aware that it is not a bond fund and will not substitute for a bond fund. For some of us it does substitute .... :happy I look back over the past 17 years, the 2 big crashes. Wellesley did much better than the total bond index, and was just as safe for me. I know some peo...
by my name
Sun Oct 29, 2017 6:57 am
Forum: Investing - Help with Personal Investments
Topic: Question: Multi-year investment results by Vanguard
Replies: 11
Views: 1013

Re: Question: Multi-year investment results by Vanguard

venkman wrote:
Sat Oct 28, 2017 11:27 pm
Portfolio Visualizer will let you compare things to your heart's content. :D

https://www.portfoliovisualizer.com/backtest-portfolio
Thank you!