Search found 144 matches

by neveragain
Wed Jul 26, 2017 10:43 pm
Forum: Investing - Help with Personal Investments
Topic: How to find correct expense ratio
Replies: 4
Views: 367

Re: Cost vs. other considerations

neveragain: Alex is correct, you would pay approximately 0.03%. 0.03% is 3/100 of one percent--virtually nothing. When we are talking about such small difference in cost, other considerations are more important such as service, website, company philosophy, experience, tax-efficiency, convenience an...
by neveragain
Wed Jul 26, 2017 4:03 pm
Forum: Investing - Help with Personal Investments
Topic: Emerging market funds
Replies: 29
Views: 1701

Re: Emerging market funds

John Laurens wrote:
neveragain wrote:Thanks, I''ll try to implement that strategy. i need to find a total international stock market index, so if anyone can recommend a good one, let me know.


You are at Fidelity correct? It's called Fidelity Total International Stock Index.

Regards,
John


Yes, Fidelity. Thanks.
by neveragain
Wed Jul 26, 2017 1:26 pm
Forum: Investing - Help with Personal Investments
Topic: Emerging market funds
Replies: 29
Views: 1701

Re: Emerging market funds

Thanks, I''ll try to implement that strategy. i need to find a total international stock market index, so if anyone can recommend a good one, let me know.
by neveragain
Wed Jul 26, 2017 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: How to find correct expense ratio
Replies: 4
Views: 367

How to find correct expense ratio

Morningstar gives ER information. Net Expense Ratio, Prospectus 0.03% and Net Expense Ratio: Category Average 0.40% for SCHX. I've noticed this is the same format they use for giving ER for many other funds. So, which ER am I paying with SCHX. The ER given in the prospectus or the category average?
by neveragain
Wed Jul 26, 2017 9:23 am
Forum: Investing - Help with Personal Investments
Topic: Emerging market funds
Replies: 29
Views: 1701

Re: Emerging market funds

If you own Vanguard FTSE All-World ex-US ETF (VEU), you already hold emerging markets stocks at their market weight. The use of iShares Core MSCI Emerging Markets ETF (IEMG) represented an overweight towards emerging markets. There's nothing wrong with that, but was that your intent? ? It was the i...
by neveragain
Tue Jul 25, 2017 9:44 pm
Forum: Investing - Help with Personal Investments
Topic: Emerging market funds
Replies: 29
Views: 1701

Re: Emerging market funds

If you own Vanguard FTSE All-World ex-US ETF (VEU), you already hold emerging markets stocks at their market weight. The use of iShares Core MSCI Emerging Markets ETF (IEMG) represented an overweight towards emerging markets. There's nothing wrong with that, but was that your intent? ? It was the i...
by neveragain
Tue Jul 25, 2017 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: Emerging market funds
Replies: 29
Views: 1701

Re: Emerging market funds

I'm not knocking Vanguard funds, just questioning your reasoning for change. I'm trying to buy more index funds and in order to meet the minimum requirement for these funds, I have to sell other things. I am in Fidelity and they have low expense index funds. I still have holdings in VEU (Vanguard I...
by neveragain
Tue Jul 25, 2017 6:55 pm
Forum: Investing - Help with Personal Investments
Topic: Emerging market funds
Replies: 29
Views: 1701

Re: Emerging market funds

I just looked and realize I have VEU. vanguard international equity index. So that is some international equity in my portfolio. It has a higher ER though.
by neveragain
Tue Jul 25, 2017 6:27 pm
Forum: Personal Consumer Issues
Topic: Books not to read.
Replies: 155
Views: 10953

Re: Books not to read.

I don't know if this is on anyone's Do Not Read list. But I read Rule Your Freakin' Retirement by Michael "Waxie" Parness. How to retire rich by actively managing your assets. He talks about stock trading a lot. However, I don't think active trading is something I could take on without lot...
by neveragain
Tue Jul 25, 2017 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: Emerging market funds
Replies: 29
Views: 1701

Re: Emerging market funds

But still, objectively, I'd consider a 0.14% ER for a fund in a relatively costly sector of the market to trade to be pretty darned good. This cost doesn't apply to your whole portfolio. To give you some peace of mind, go ahead and compute the difference in annual costs for the dollar amount of you...
by neveragain
Tue Jul 25, 2017 6:22 pm
Forum: Investing - Help with Personal Investments
Topic: Emerging market funds
Replies: 29
Views: 1701

Re: Emerging market funds

However, with all that being said, you might want to reconsider your AA if an emerging markets fund is your only source of international equity exposure. Do you have exposure to developed international equities elsewhere? Ok, there's a bond fund with international stuff in it, but that's not equiti...
by neveragain
Tue Jul 25, 2017 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Post Nuptial agreement guaranteeing alimony?
Replies: 86
Views: 4063

Re: Post Nuptial agreement guaranteeing alimony?

I think it all depends on whether he would agree to sign such an agreement.
by neveragain
Tue Jul 25, 2017 5:05 pm
Forum: Investing - Help with Personal Investments
Topic: Emerging market funds
Replies: 29
Views: 1701

Re: Emerging market funds

Is it good to include some emerging market funds in your IRA? If your asset allocation (AA) includes emerging markets exposure, an IRA is a perfectly good place to own it. I just dumped IEMG out of mine but wonder if I should have. Morningstar gives it 3 stars. ER is .14%. Includes stocks in emergi...
by neveragain
Tue Jul 25, 2017 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: Emerging market funds
Replies: 29
Views: 1701

Re: Emerging market funds

Is it good to include some emerging market funds in your IRA? I just dumped IEMG out of mine but wonder if I should have. Morningstar gives it 3 stars. ER is .14%. Includes stocks in emerging market countries. neveragain: Vanguard Total International Index fund currently holds about 20% of its port...
by neveragain
Tue Jul 25, 2017 3:14 pm
Forum: Investing - Help with Personal Investments
Topic: Emerging market funds
Replies: 29
Views: 1701

Emerging market funds

Is it good to include some emerging market funds in your IRA? I just dumped IEMG out of mine but wonder if I should have. Morningstar gives it 3 stars. ER is .14%. Includes stocks in emerging market countries.
by neveragain
Mon Jul 24, 2017 10:16 pm
Forum: Investing - Help with Personal Investments
Topic: Making trades in IRA
Replies: 6
Views: 454

Making trades in IRA

I am starting to make trades in my IRA, to trade out the Edward Jones stuff and replace it with Fidelity funds. The phone rep at Fidelity suggested that if tomorrow the market is down, that I wait until it goes back up to do these trades. I'd rather not wait, what's the risk? He said the market is p...
by neveragain
Sat Jul 22, 2017 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Any contractors who get benefits?
Replies: 9
Views: 808

Re: Any contractors who get benefits?

Is it possible to have a SEP IRA, along with an individual IRA and a Roth?
by neveragain
Sat Jul 22, 2017 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Any contractors who get benefits?
Replies: 9
Views: 808

Re: Any contractors who get benefits?

I contract directly with a business (no middleman or agency).
by neveragain
Sat Jul 22, 2017 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Any contractors who get benefits?
Replies: 9
Views: 808

Re: Any contractors who get benefits?

As a contractor, look into SEP-IRA's and Solo 401k's. Both are a lot better than typical employee 401ks. The limits are much higher per year (up to $53k). They are the best benefit an independent contractor gets IMO. Plus you can invest anywhere and not be stuck with the funds an employer sponsored...
by neveragain
Sat Jul 22, 2017 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Any contractors who get benefits?
Replies: 9
Views: 808

Any contractors who get benefits?

I am wondering if anyone here works contract, who also receives some benefits from the employer they contract with? I do some contract work for a business for over 2 years now and wonder if it would be possible to enroll in any 401K program they have, even though I do contract work. I'd rather find ...
by neveragain
Sat Jul 22, 2017 5:17 pm
Forum: Investing - Help with Personal Investments
Topic: Do I have to liquidate or move my account if I decide to dump my financial advisor?
Replies: 10
Views: 1393

Re: Do I have to liquidate or move my account if I decide to dump my financial advisor?

I'm pretty sure you can leave the advisory services. I just found out from Edward Jones, that I could have opted not to use their advisory services program and then I wouldn't have had to pay an AUM fee. But it was never offered to me in the beginning. So it's a little late now as I've already switc...
by neveragain
Fri Jul 21, 2017 3:45 pm
Forum: Investing - Help with Personal Investments
Topic: Best investments for a Roth IRA
Replies: 3
Views: 351

Best investments for a Roth IRA

Is it okay to put the same things in a Roth IRA as you would in a traditional IRA, such as stock index funds and bond index funds, or is Roth investing somehow different?
by neveragain
Thu Jul 20, 2017 9:46 pm
Forum: Investing - Help with Personal Investments
Topic: 529 plan and first child on the way
Replies: 11
Views: 723

Re: 529 plan and first child on the way

Look for one of the best 529 plans. If there are no tax benefits to using your own state's plan, choose a plan from any state in the US. I went with Utah's plan because my state, Texas, offers no tax benefits for using their state's plan. Utah Educational Savings plan also has very low fees, but so ...
by neveragain
Thu Jul 20, 2017 5:20 pm
Forum: Investing - Help with Personal Investments
Topic: the mechanics of ETF trading
Replies: 6
Views: 574

Re: the mechanics of ETF trading

What kinds of ETFs are you interested in?

I am looking at a tech ETF for my IRA called FTEC. However, I would only consider putting one or two ETFs in my IRA. The rest would be index funds.
by neveragain
Thu Jul 20, 2017 3:17 pm
Forum: Personal Consumer Issues
Topic: SAT scores - whats the point??
Replies: 37
Views: 1755

Re: SAT scores - whats the point??

I don't even remember what I scored on my SAT.

Some colleges accept only ACT scores. I don't know why.
by neveragain
Thu Jul 20, 2017 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab's Modern Approach to Asset Allocation - Comments
Replies: 28
Views: 2459

Re: Schwab's Modern Approach to Asset Allocation - Comments

I invest with Schwab and like their platform and ETFs but the articles are no better than something we'd expect from Raymond James, Edward Jones or Merrill Lynch. Self serving crap designed to get readers to run around with their hands in the air screaming "it's all too complicated....I must h...
by neveragain
Thu Jul 20, 2017 1:38 pm
Forum: Investing - Theory, News & General
Topic: Expense Ratios, how high is too high
Replies: 72
Views: 4003

Re: Expense Ratios, how high is too high

We are willing to pay up for performance. As one example, the ER fee of .76 has been worth paying for an actively managed fund at Fidelity that we hold in our IRA's - (FSCSX) Fidelity® Select Software and IT Services Portfolio. I'm looking at a bond fund at Fidelity that charges an expense ratio of...
by neveragain
Thu Jul 20, 2017 1:35 pm
Forum: Investing - Theory, News & General
Topic: Expense Ratios, how high is too high
Replies: 72
Views: 4003

Re: Expense Ratios, how high is too high

Few realize the long term impact of fees added to high ER's. If you do transfer to Fidelity, please avoid their PAS service and invest in the low fee index funds they offer. The chart below, which has been published here many times reflects the drag on your portfolio due to fees, which is also rela...
by neveragain
Wed Jul 19, 2017 10:55 pm
Forum: Personal Consumer Issues
Topic: Indoor activities for a 3-year-old
Replies: 61
Views: 2737

Re: Indoor activities for a 3-year-old

My kids watch educational stuff on youtube.
by neveragain
Wed Jul 19, 2017 10:49 pm
Forum: Investing - Help with Personal Investments
Topic: Conversation with investment broker
Replies: 2
Views: 407

Conversation with investment broker

Initiated transferring my two IRAs to Fidelity and 529 plans to UESP, to get them out of Edward Jones fees. Everything "in process" now. So I decided to give my EJ broker a heads-up to let him know, so it would not be a surprise. Well, he called me, said "we need to talk about this&qu...
by neveragain
Wed Jul 19, 2017 10:10 pm
Forum: Investing - Theory, News & General
Topic: Expense Ratios, how high is too high
Replies: 72
Views: 4003

Re: Expense Ratios, how high is too high

Thanks everyone for your input.
by neveragain
Wed Jul 19, 2017 9:34 pm
Forum: Investing - Theory, News & General
Topic: The Death of Buy and Hold
Replies: 25
Views: 3082

Re: The Death of Buy and Hold

I'll read up some more and let you know. Overall it's very Bogle-esque in it's approach to investing.
by neveragain
Wed Jul 19, 2017 4:53 pm
Forum: Investing - Theory, News & General
Topic: The Death of Buy and Hold
Replies: 25
Views: 3082

Re: The Death of Buy and Hold

OP, Did you, a client or a friend of yours write the book? I am always skeptical when anyone I don't know strongly recommends something that is for sale like this. I guess I have become wary after having too many people pushing Amway on me. ;) Oh no. I just check out a lot of these types of books f...
by neveragain
Wed Jul 19, 2017 3:44 pm
Forum: Investing - Theory, News & General
Topic: The Death of Buy and Hold
Replies: 25
Views: 3082

Re: The Death of Buy and Hold

The book promotes index investing. Low fees, low expense ratios, no-load funds. Also delves into using gold, metals in an investment portfolio. I was reading it last night and decided to use their advice of putting a mixed bond fund in my IRA. I had previously been interested in a US government bond...
by neveragain
Wed Jul 19, 2017 3:22 pm
Forum: Investing - Theory, News & General
Topic: The Death of Buy and Hold
Replies: 25
Views: 3082

The Death of Buy and Hold

Has anyone read the Death of Buy and Hold by Chris Minnucci? It's about how to avoid the risk of going broke in retirement. I'm finding it a lot more informative than the Bogle book.
by neveragain
Wed Jul 19, 2017 9:28 am
Forum: Investing - Theory, News & General
Topic: Expense Ratios, how high is too high
Replies: 72
Views: 4003

Re: Expense Ratios, how high is too high

Thanks everyone. I'll probably stay away from active funds altogether and just use index. I talked to my friends the other day, who taught me the Dave Ramsey course a while back. They do use loaded funds in their Roth IRA. (Dave Ramsey promotes loaded funds). I just told them I don't believe in load...
by neveragain
Tue Jul 18, 2017 8:36 pm
Forum: Investing - Theory, News & General
Topic: Expense Ratios, how high is too high
Replies: 72
Views: 4003

Re: Expense Ratios, how high is too high

columbia wrote:Fidelity does not make it easy to find the low cost options. I'm fully confident that is willful on their part.


I did a google search to find out the lowest offerings from Fidelity.
by neveragain
Tue Jul 18, 2017 5:23 pm
Forum: Investing - Theory, News & General
Topic: Expense Ratios, how high is too high
Replies: 72
Views: 4003

Expense Ratios, how high is too high

What would be the highest expense ratio you would be willing to pay for a particular investment. I have several funds in an IRA with what seems high expense ratios, 1.18%, 1.17%, .71% and another .44%. EJ Adviser put me in these, along with some that have lower expense ratios such as 0.05. I'm movin...
by neveragain
Tue Jul 18, 2017 5:20 pm
Forum: Investing - Theory, News & General
Topic: Good Fidelity bond funds for IRA?
Replies: 11
Views: 876

Re: Good Fidelity bond funds for IRA?

Thanks, that is very helpful.
by neveragain
Tue Jul 18, 2017 11:38 am
Forum: Investing - Theory, News & General
Topic: Good Fidelity bond funds for IRA?
Replies: 11
Views: 876

Re: Good Fidelity bond funds for IRA?

How diverse would a portfolio need to be, to weather a stock market correction without too much damage?
by neveragain
Tue Jul 18, 2017 1:18 am
Forum: Investing - Theory, News & General
Topic: Good Fidelity bond funds for IRA?
Replies: 11
Views: 876

Re: Good Fidelity bond funds for IRA?

Would it be a good idea to hold multiple bond index funds in an IRA?
by neveragain
Mon Jul 17, 2017 11:35 pm
Forum: Investing - Theory, News & General
Topic: Good Fidelity bond funds for IRA?
Replies: 11
Views: 876

Re: Good Fidelity bond funds for IRA?

OK. I wonder if a multi-sector bond fund would be a good choice, since it includes US government bonds but also corporate bonds.

I just looked, some of these bond index funds have high expense ratios. I wonder if it's worth the cost.
by neveragain
Mon Jul 17, 2017 11:18 pm
Forum: Investing - Theory, News & General
Topic: Good Fidelity bond funds for IRA?
Replies: 11
Views: 876

Good Fidelity bond funds for IRA?

I was looking at a Treasury Bond index fund for my IRAs. They are lower risk. Some have high returns, some have lower returns.

Also, what does a Protected Bond Index Fund mean? How is it protected?
by neveragain
Mon Jul 17, 2017 10:55 pm
Forum: Investing - Help with Personal Investments
Topic: Low cost index funds/Fidelity
Replies: 21
Views: 1641

Re: Low cost index funds/Fidelity

neveragain, are you planning to move out of EJ? Fidelity is a good choice, but they might suggest you use their management or higher cost funds, but you don't have to. The index funds are excellent. Paul I went to Fidelity today. The person was informative and helpful. No sales pitches. I started t...
by neveragain
Mon Jul 17, 2017 10:52 pm
Forum: Personal Consumer Issues
Topic: Is it Safe to Get Your DNA Tested?
Replies: 71
Views: 6330

Re: Is it Safe to Get Your DNA Tested?

DNA testing has no benefits and has many irreversible potential issues. The ancestry information is too imprecise to be useful. Even if you find some new blood among your ancestors, it does not tell you where the owners of that blood actually lived or their actual culture and habits. A Swedish vaga...
by neveragain
Sat Jul 15, 2017 10:54 pm
Forum: Investing - Help with Personal Investments
Topic: Low cost index funds/Fidelity
Replies: 21
Views: 1641

Re: Low cost index funds/Fidelity

The expense ratios in my EJ IRA are much higher. Here's what I have: GTDYX 1.17% JHBIX .56% JYHIX .71% PRTXX .44% Way higher than the Fidelity index funds I'm looking at now. Also, those funds are just a small sample of what's in the IRAs. EJ likes to diversify a lot but put you in tons of different...
by neveragain
Sat Jul 15, 2017 10:51 pm
Forum: Investing - Help with Personal Investments
Topic: Low cost index funds/Fidelity
Replies: 21
Views: 1641

Re: Low cost index funds/Fidelity

I honestly don't understand the difference between mutual funds and index funds. I'm pretty ignorant that is why I got in with Edward Jones. Just being honest here. While gkaplan is correct, a good way to think about it is that "mutual funds" as a term is generally a managed account, even...
by neveragain
Sat Jul 15, 2017 10:46 pm
Forum: Investing - Help with Personal Investments
Topic: Low cost index funds/Fidelity
Replies: 21
Views: 1641

Re: Low cost index funds/Fidelity

A "good expense ratio" depends on what the fund is - for example, international costs more than domestic, etc. . I didn't know that. I'd like to have 10% of my portfolio in international index funds. I am interested in Fidelity index fund with a 0.050% expense ratio. Is this good (low pri...
by neveragain
Sat Jul 15, 2017 10:43 pm
Forum: Investing - Help with Personal Investments
Topic: Low cost index funds/Fidelity
Replies: 21
Views: 1641

Re: Low cost index funds/Fidelity

gkaplan wrote:
neveragain wrote:I honestly don't understand the difference between mutual funds and index funds. I'm pretty ignorant that is why I got in with Edward Jones. Just being honest here.


Index funds are mutual funds. Mutual funds aren't necessarily index funds.


Ok. Thanks.
by neveragain
Sat Jul 15, 2017 10:25 pm
Forum: Investing - Help with Personal Investments
Topic: Low cost index funds/Fidelity
Replies: 21
Views: 1641

Re: Low cost index funds/Fidelity

I honestly don't understand the difference between mutual funds and index funds. I'm pretty ignorant that is why I got in with Edward Jones. Just being honest here.

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