Search found 15 matches

by nlecaros
Fri Aug 04, 2017 11:08 pm
Forum: Personal Consumer Issues
Topic: [SOLVED] VG Account Compromised: Please Advise
Replies: 30
Views: 2719

Re: VG Account Compromised: Please Advise

This is the second time in a couple of months this has happened and I'm at my wits' end trying to get to the bottom of it. I have two-factor authentication turned on on my VG online account. About half an hour ago, I received a text message from VG with a 6-digit security code to be used to complet...
by nlecaros
Sat May 06, 2017 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: Am I letting the Taxes Wag my Investments?
Replies: 9
Views: 1555

Re: Am I letting the Taxes Wag my Investments?

Depends on what your investment policy statement says for this situation. The fact that you're hesitating even if you know in your gut what to do means that this isn't written anywhere.
by nlecaros
Tue Apr 25, 2017 11:08 pm
Forum: Investing - Help with Personal Investments
Topic: Restarting retirement savings at 40
Replies: 20
Views: 2401

Re: Restarting retirement savings at 40

A few considerations you might want to take into account: 1. Do you intend to eventually buy a house or rent in retirement? This may dictate how you allocate your savings between these goals. 2. How much do you think you'll need to live on per year in retirement? If you can, it would be good to work...
by nlecaros
Thu Apr 20, 2017 10:13 pm
Forum: Investing - Help with Personal Investments
Topic: Help with investing
Replies: 22
Views: 1773

Re: Help with investing

I'm keeping the wife's finances separate as she still has a ways to go before her finances are in order..=). But she is maxing out her Roth 401k and remaining funding are in other 401ks Why Roth 401k? This should almost certainly be a pre-tax traditional 401k given your tax attributes (in particula...
by nlecaros
Thu Apr 20, 2017 5:10 pm
Forum: Investing - Help with Personal Investments
Topic: Help with investing
Replies: 22
Views: 1773

Re: Help with investing

I'm keeping the wife's finances separate as she still has a ways to go before her finances are in order..=). But she is maxing out her Roth 401k and remaining funding are in other 401ks Why Roth 401k? This should almost certainly be a pre-tax traditional 401k given your tax attributes (in particula...
by nlecaros
Wed Apr 19, 2017 11:41 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation: Where to put future contributions for bonds?
Replies: 3
Views: 610

Re: Asset Allocation: Where to put future contributions for bonds?

I always have a mix of stocks and bonds in all my accounts precisely because of this reason. For retirement accounts: 60/40 stock/bond ratio For taxable accounts: 40/60 bond ratio Depending on the relative size of your accounts, you can tweak your AAs in each to come up with the desired total portfo...
by nlecaros
Wed Apr 19, 2017 9:52 pm
Forum: Investing - Help with Personal Investments
Topic: Help with investing
Replies: 22
Views: 1773

Re: Help with investing

I'm keeping the wife's finances separate as she still has a ways to go before her finances are in order..=). But she is maxing out her Roth 401k and remaining funding are in other 401ks House budget is ~1 Mil (we need about 20% down plus closing costs in the bay area to be competitive in offers hen...
by nlecaros
Wed Apr 19, 2017 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: Timing Assets Within Your Portfolio
Replies: 14
Views: 1552

Re: Timing Assets Within Your Portfolio

I don't know if it would be "wise" though I do know it's a lot of work since I tried it myself. I also found out it wasn't worth the trouble. With all the tinkering of my portfolio that I've done in the past ten years, I have 8.1% annualized total return to show for it. On the other hand, ...
by nlecaros
Sat Apr 15, 2017 7:12 pm
Forum: Investing - Help with Personal Investments
Topic: Is it possible to purchase an i-Bond with a co-owner and a beneficiary?
Replies: 2
Views: 346

Is it possible to purchase an i-Bond with a co-owner and a beneficiary?

If I had a TreasuryDirect account, will I be able to purchase i-bonds and specify my wife as co-owner and my child as beneficiary? I read that you can register an i-bond with a co-owner or with a beneficiary, but not with both. My question is: can you add a beneficiary after registration? Thanks in ...
by nlecaros
Wed Mar 22, 2017 11:32 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard keeps saying my e-mail address doesn't work
Replies: 10
Views: 938

Re: Vanguard keeps saying my e-mail address doesn't work

Probably just a glitch in their systems. I even received snail mail from them regarding this. After e-mailing them about it, they replied : "... We apologize for any difficulty you've experienced in regards to the recent notification you received. A message was incorrectly sent out informing so...
by nlecaros
Sun Mar 19, 2017 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: 30 years old and want to start saving for a home...where to begin?
Replies: 7
Views: 1042

Re: 30 years old and want to start saving for a home...where to begin?

Not enough information in your post to give anything more than the most basic advice. For example, are you already in the habit of saving? If not, I'd start with an automatic savings program where a percentage (at least 10%) of my paycheck is automatically deposited to a savings account. yes i am i...
by nlecaros
Sun Mar 19, 2017 12:02 am
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity (probably)
Replies: 51
Views: 6101

Re: Moving from Vanguard to Fidelity (probably)

I guess my question to you is: why do you want to move all your Vanguard accounts to Fidelity? You just moved to Vanguard a couple of years ago from Raymond James. I did the reverse move of what you are planning years ago: from Fidelity to Vanguard. Fidelity had me liquidate all my holdings and did...
by nlecaros
Sat Mar 18, 2017 11:27 pm
Forum: Investing - Help with Personal Investments
Topic: 30 years old and want to start saving for a home...where to begin?
Replies: 7
Views: 1042

Re: 30 years old and want to start saving for a home...where to begin?

Not enough information in your post to give anything more than the most basic advice. For example, are you already in the habit of saving?

If not, I'd start with an automatic savings program where a percentage (at least 10%) of my paycheck is automatically deposited to a savings account.
by nlecaros
Sat Mar 18, 2017 10:45 pm
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity (probably)
Replies: 51
Views: 6101

Re: Moving from Vanguard to Fidelity (probably)

I guess my question to you is: why do you want to move all your Vanguard accounts to Fidelity? You just moved to Vanguard a couple of years ago from Raymond James. I did the reverse move of what you are planning years ago: from Fidelity to Vanguard. Fidelity had me liquidate all my holdings and did ...
by nlecaros
Tue Aug 25, 2015 10:24 pm
Forum: Investing - Help with Personal Investments
Topic: Which tax-exempt bond fund ??
Replies: 37
Views: 8362

Re: Which tax-exempt bond fund ??

I'd go with VWIUX:

1. It has a track record.
2. I like to keep bond durations at 5 years or shorter.