Search found 11150 matches

by pkcrafter
Wed Mar 29, 2017 8:48 pm
Forum: Investing - Help with Personal Investments
Topic: Have had money in a managed Merrill Lynch account for years, wondering if I should switch
Replies: 11
Views: 474

Re: Have had money in a managed Merrill Lynch account for years, wondering if I should switch

C class funds are the worst in my opinion. That 1% is an ongoing commission, but it isn't the total expense ratio. The 1% is added to the expense ratio making the total probably close to or over 2%. That will seriously reduce the returns that go in your pocket over many years. You are not getting an...
by pkcrafter
Tue Mar 28, 2017 8:58 pm
Forum: Investing - Help with Personal Investments
Topic: New member, behind the curve and need help!
Replies: 4
Views: 550

Re: New member, behind the curve and need help!

Not sure if this was mentioned, but you can contribute to a Roth or TIRA for 2016 if you do it before 4/18. Then you can do 2017 anytime during the remainder of this year.



Paul
by pkcrafter
Tue Mar 28, 2017 7:27 pm
Forum: Investing - Help with Personal Investments
Topic: Sound Strategy?
Replies: 15
Views: 950

Re: Sound Strategy?

ray, if the 35k is for the house, then it's not part of your investments and should be kept separate. Be aware that if you lost your job you would have to tap the house money and would have to delay the purchase. So, yes, you are 100% stock. When looking at asset allocation, we consider financial ne...
by pkcrafter
Tue Mar 28, 2017 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: Opinions on my investing strategy
Replies: 19
Views: 1165

Re: Opinions on my investing strategy

Hi Tim, the reason why you are not getting many replies is it's very difficult to figure out what's what. See below. Hello everyone, Emergency funds: One year of living expenses Debt: Mortgage only Tax Filing Status: Married Filing Jointly Tax Rate: 15% Federal, 4% State State of Residence: RI Age:...
by pkcrafter
Tue Mar 28, 2017 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: Sound Strategy?
Replies: 15
Views: 950

Re: Sound Strategy?

am I wrong in considering my cash as part of my overall asset allocation? it's pretty much why I'm all about equity ... I also have no idea why this market continues to remain stable ... I feel like this house of cards has to start tumbling soon ... but who knows right? Ray, as I understand it, you...
by pkcrafter
Tue Mar 28, 2017 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: Where can I buy Vanguard Funds w/o Fees ?
Replies: 37
Views: 2558

Re: Where can I buy Vanguard Funds w/o Fees ?

Vanguard is absolutely swamped now due to the great index rush of '15-'16...

Things will soon return to normal, so don't worry. Fidelity and Schwab have good funds of their own so you can consider them as well.

Paul
by pkcrafter
Tue Mar 28, 2017 11:53 am
Forum: Investing - Help with Personal Investments
Topic: Active versus Passive
Replies: 2
Views: 314

Re: Active versus Passive

Thanks DD. We told ya so. :happy

Paul
by pkcrafter
Mon Mar 27, 2017 10:18 am
Forum: Investing - Help with Personal Investments
Topic: Weathering sell-off days like today
Replies: 107
Views: 5858

Re: Weathering sell-off days like today

myInvestments, this is normal market volatility--something we have to live with everyday. If you don't need the money for a long time, this volatility will not hurt you. Keep in mind that you don't lose any shares of stock, it's just price fluctuation and it's constant. You don't lose unless you sel...
by pkcrafter
Sun Mar 26, 2017 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: Near retirement 401K ideas / suggestions
Replies: 1
Views: 270

Re: Near retirement 401K ideas / suggestions

Love that I ran into this forum. I am mostly retired..... working part time from my home. My wife is still working, but we are thinking hard about a retirement in the next year or so. We are both 62. I have a small E-trade IRA with about 40K of a few stocks. Most of our retirement is within my wife...
by pkcrafter
Sun Mar 26, 2017 8:40 pm
Forum: Investing - Help with Personal Investments
Topic: Transferring Between Accounts
Replies: 2
Views: 345

Re: Transferring Between Accounts

A simple question that is probably really dumb, but just wanted to bounce it off of others. I'm currently in the process of trying to set my investment portfolios out and setting up automatic transfers so I'm automatically depositing a % of my income in various places. I'm curious to know how other...
by pkcrafter
Sun Mar 26, 2017 11:57 am
Forum: Investing - Help with Personal Investments
Topic: looking for an article
Replies: 1
Views: 212

Re: looking for an article

I'm not aware of Bogle saying anything about treating a house like a bond, but there are several references to Bogle saying treat social security as a bond, which I won't do. :happy "You have to include Social Security in your fixed-income position. It’s very large depending on the circumstance...
by pkcrafter
Sun Mar 26, 2017 10:35 am
Forum: Investing - Help with Personal Investments
Topic: Rebalance help - the math
Replies: 13
Views: 549

Re: Rebalance help - the math

No, you have to calculate RMD from both IRAs, but you can simply withdraw from one. Here is the IRS explanation: Can an account owner just take a RMD from one account instead of separately from each account? An IRA owner must calculate the RMD separately for each IRA that he or she owns, but can wit...
by pkcrafter
Sun Mar 26, 2017 9:34 am
Forum: Investing - Help with Personal Investments
Topic: Rebalance help - the math
Replies: 13
Views: 549

Re: Rebalance help - the math

Evelyn, what's going to happen when you take your RMD? Take the full RMD from total stock market. You need to calculate RMD from all assets in IRAs, but taking from total market will bring down the equity allocation from the right place. Maybe not quite to target, but within range and good enough fo...
by pkcrafter
Sat Mar 25, 2017 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: How to explain MIL's high fees to her
Replies: 7
Views: 640

Re: How to explain MIL's high fees to her

I'm hoping to explain to my MIL the high fees she's paying in her Traditional IRA at UBS. I've mentioned it to her but I think I need some more concrete numbers, etc. Her current IRA: Dec 2009 balance: 16.9K Dec 2016 balance: 18.1K These three funds: 1. UBS Bank USA Deposit Account APY (20% of tota...
by pkcrafter
Fri Mar 24, 2017 7:56 pm
Forum: Investing - Help with Personal Investments
Topic: How should I evaluate these Vanguard funds?
Replies: 14
Views: 1146

Re: How should I evaluate these Vanguard funds?

Great advice. So this would be choices inside tax-advantaged accounts. I'm 30 y/o so I will have the majority of the portfolio in these higher risk funds.. So those 4 accounts I listed seems like good choices as the higher risk part of a portfolio. No, I don't think anyone is recommending you inves...
by pkcrafter
Fri Mar 24, 2017 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: Allocations between 401(k), traditional IRA, and Roth IRA?
Replies: 4
Views: 316

Re: Allocations between 401(k), traditional IRA, and Roth IRA?

I am wanting to review proper dividend stock allocations between my three retirement accounts: 401(k), Roth, and trad IRA. Today my total investment is about 60% 401(k), , 20% Roth, and 20% traditional IRA. Do I need to be using one of these three more for dividend paying stocks over the other for ...
by pkcrafter
Fri Mar 24, 2017 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: Liquidate mutual funds from Ameriprise to Vanguard Index Funds?
Replies: 4
Views: 251

Re: Liquidate mutual funds from Ameriprise to Vanguard Index Funds?

Hi All, I am a novice investor. I am currently 32 years old, 8 years ago, I started IRA account with Ameriprise. They started investing our money in two mutual funds MCLOX and MSFRX. I stopped investing in these accounts in July of last year as I became a little more educated in investing and wante...
by pkcrafter
Fri Mar 24, 2017 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: dollar cost averaging
Replies: 11
Views: 918

Re: dollar cost averaging

It sure is tough emotionally buying VTI at this time and price and hearing how bad things are and are going to get. It`s everywhere you go not only on tv ,radio, magazines, internet but from the general public in every day speaking to each other. There`s not much optimism out there with bombs explo...
by pkcrafter
Fri Mar 24, 2017 11:30 am
Forum: Investing - Help with Personal Investments
Topic: New to Forum Questions
Replies: 44
Views: 3865

Re: New to Forum Questions

HI Again, This is the current holdings and asset allocation in my taxable account. I am trying to decipher this so I can figure out my AA for a 3 fund portfolio that would not compete with this. Any help would be appreciated. TIA EQUITIES ABYSX AB Discovery Value 5.99% AMCFX American Funds 17.02% A...
by pkcrafter
Fri Mar 24, 2017 11:18 am
Forum: Investing - Help with Personal Investments
Topic: New to Forum Questions
Replies: 44
Views: 3865

Re: New to Forum Questions

waterddd, welcome to the forum. I am a new member here, and I feel I am too old to be confused about investing but I am. Financial planning is still confusing and a conflicting to me. I just don't have the head for it. Finance and investing is made to appear complex because if you really knew what w...
by pkcrafter
Fri Mar 24, 2017 10:05 am
Forum: Investing - Theory, News & General
Topic: REITs vs Rental Property
Replies: 5
Views: 1213

REITs vs Rental Property

I came across this article which provides a detailed look at REITs vs owning rental property, and it reminded me of how many comments we see on the board that owning property is a substitute for owning REITS. There are many reasons to invest in REITs; they are a convenient, and most passive way of l...
by pkcrafter
Thu Mar 23, 2017 10:24 pm
Forum: Investing - Theory, News & General
Topic: Certificate of accrual! How do I get it?
Replies: 2
Views: 382

Re: Certificate of accrual! How do I get it?

Wow, this is a tough one. I don't know anything about these certificates, so I did some searching on Google, but I didn't find anything that was useful. Here's the link if you want to try. A lot of the information that came up was about specific issues, so maybe you will run across one that is like ...
by pkcrafter
Thu Mar 23, 2017 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: who should i choose to help me??
Replies: 52
Views: 4631

Re: who should i choose to help me??

bethSF, one thing you should do before worrying about what to put where is come up with an overall asset allocation for the entire portfolio--all accounts are part of the portfolio. Once you have the asset allocation we can look at best options in each account and help you develop a good plan. Even ...
by pkcrafter
Thu Mar 23, 2017 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: Asset allocation anxiety
Replies: 27
Views: 1159

Re: Asset allocation anxiety

Here's a link to an earlier discussion that provides some information about RogueJim's situation, but still not enough. https://www.bogleheads.org/forum/viewtopic.php?f=1&t=212600&p=3263185#p3263185 RogueJim, we can provide much more specific advice if you follow this posting suggestion. I ...
by pkcrafter
Thu Mar 23, 2017 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: 27, no investments, please help
Replies: 18
Views: 2178

Re: 27, no investments, please help

OK, you are risk averse, not a big problem, but you need to stop allocating money until you have a plan. You need to come up with an asset allocation that you can and will stay with. Think of all accounts as one and think long term, not today and tomorrow. Also note that the market is always subject...
by pkcrafter
Thu Mar 23, 2017 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: Asset allocation anxiety
Replies: 27
Views: 1159

Re: Asset allocation anxiety

Here's a link to an earlier discussion that provides some information about RogueJim's situation, but still not enough. https://www.bogleheads.org/forum/viewtopic.php?f=1&t=212600&p=3263185#p3263185 RogueJim, we can provide much more specific advice if you follow this posting suggestion. I i...
by pkcrafter
Thu Mar 23, 2017 10:50 am
Forum: Investing - Help with Personal Investments
Topic: Best way and pace to shift AA?
Replies: 14
Views: 660

Re: Best way and pace to shift AA?

If not enough room use another intermediate term bond in tax-advantaged account. So you think intermediate specifically as opposed to a Total Bond fund? Total bond is an intermediate term bond fund. It's the same as the F fund. Keep all you have at TSP in G fund. That will be added to other bond ho...
by pkcrafter
Thu Mar 23, 2017 10:20 am
Forum: Investing - Help with Personal Investments
Topic: International Allocation
Replies: 16
Views: 548

Re: International Allocation

Dinosaurdad, do not chase performance in either direction. Buy, diversify, Hold, and let the market's trends come to you. For instance, a very short time ago, many investors, including some on this forum, were finding excuses to not hold international. The real, underlying reason was international w...
by pkcrafter
Thu Mar 23, 2017 9:20 am
Forum: Investing - Help with Personal Investments
Topic: Which of these two bond funds is "better"?
Replies: 14
Views: 877

Re: Which of these two bond funds is "better"?

Teacher, here is a link to Morningstar that shows Int. bond portfolio. You can plug in the ticker for total bond and compare. Put the ticker in the quote box at the top of the page. Total bond is AA rated, and Int. Bond is A. Int. Bond has more corporate bond a slightly higher yield. http://portfoli...
by pkcrafter
Wed Mar 22, 2017 10:25 pm
Forum: Investing - Help with Personal Investments
Topic: Best way and pace to shift AA?
Replies: 14
Views: 660

Re: Best way and pace to shift AA?

Can you do changes in tax-advantaged accounts? If so, just do it now. If you are planning on possible retirement in 5-8 years, then the move is recommended because you don't want to run into a bad downturn right before retirement while holding 70% in stock. For the non-equity side, use a good portio...
by pkcrafter
Tue Mar 21, 2017 10:34 pm
Forum: Investing - Theory, News & General
Topic: Sitting down with Fidelity advisor next week
Replies: 14
Views: 1829

Re: Sitting down with Fidelity advisor next week

It's complementary through my employer since Fidelity does our 401k stuff. It's a chance to discuss my goals, objectives, and retirement plans and concerns with Fidelity on our office campus. I'm looking forward to getting his opinion on my 3.25% planned SWR based on retirement at 55, if he agrees ...
by pkcrafter
Tue Mar 21, 2017 10:23 pm
Forum: Investing - Theory, News & General
Topic: DALBAR report methodological flaws - Prof. Pfau
Replies: 29
Views: 2353

Re: DALBAR report methodological flaws - Prof. Pfau

Thanks for the article, Peter, it is worth the time. To conclude, I'll say what I said before--investing behavior is the no. 1 cause of squandering potential returns. Dalbar may be off some, and it's pretty clear that they are, but it doesn't matter--it doesn't change the fact.


Paul
by pkcrafter
Tue Mar 21, 2017 7:39 pm
Forum: Investing - Help with Personal Investments
Topic: Failing to understand taxable acct strat
Replies: 16
Views: 1766

Re: Failing to understand taxable acct strat

Sorry, will try to clarify. "Moving" money - I just meant moving it out of cash. The wash sale concern was just planning ahead ("just in case") if we needed/wanted to TLH in the taxable account (that doesn't exist yet). The TR is in IRAs , and we do plan to do all our rebalancin...
by pkcrafter
Tue Mar 21, 2017 7:25 pm
Forum: Investing - Help with Personal Investments
Topic: did anyone else get an email from investordelivery.com?
Replies: 8
Views: 372

Re: did anyone else get an email from investordelivery.com?

Hi, Maybe you should send this link to VG https://investor.vanguard.com/security/phishing Paul I looked at that link, and it says "Vanguard emails come from vanguard.com, e-vanguard.com, evanguard.com, or vanguardinvestments.com. If an email isn't from one of those addresses, it's not from us....
by pkcrafter
Tue Mar 21, 2017 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: did anyone else get an email from investordelivery.com?
Replies: 8
Views: 372

Re: did anyone else get an email from investordelivery.com?

Hi, I recently got an email, claiming to be from Vanguard. However, it was actually delivered by investordelivery.com , not vanguard.com. The link in the email went to pe.newriver.com, not vanguard.com. I don't see any Vanguard.com in that address :confused I forwarded the email to phish@vanguard.c...
by pkcrafter
Tue Mar 21, 2017 6:30 pm
Forum: Investing - Help with Personal Investments
Topic: 401 k Assistance Please
Replies: 1
Views: 118

Re: 401 k Assistance Please

Welcome to the forum,

You can approximate TSM with S&P500 and Vanguard Extended Market. You want 100% stock?

Here's how. Top style box is TSM. Forth one down is SP500/ExMkt

https://www.bogleheads.org/wiki/Approxi ... ock_market

Paul
by pkcrafter
Tue Mar 21, 2017 6:19 pm
Forum: Investing - Help with Personal Investments
Topic: Failing to understand taxable acct strat
Replies: 16
Views: 1766

Re: Failing to understand taxable acct strat

Avolition, I don't how you would have an issue with a wash sale if you aren't selling anything. But to be sure we are all on the same page, what did you mean by "moving money to a taxable account"? You also didn't mention you were holding a TR fund, and that's going to make rebalancing dif...
by pkcrafter
Mon Mar 20, 2017 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: I thought I knew my desired AA
Replies: 76
Views: 3256

Re: I thought I knew my desired AA

The problem with choosing an asset allocation is you will choose it while in a comfortable non-stressed state, but when it's put to the test, you will be under stressful conditions. Extremely stressful situations can induce strong hormonal releases that trigger physical changes as well as the flight...
by pkcrafter
Mon Mar 20, 2017 2:35 pm
Forum: Investing - Theory, News & General
Topic: It's worth remembering that bull markets don't last forever
Replies: 95
Views: 6565

Re: It's worth remembering that bull markets don't last forever

This with a Conservative government in power, no war, no revolution, no major civic unrest (outside of Northern Ireland). So stock markets can lose a lot of value even without the usual suspects in play. I don't know why you think a Conservative government is better for the stock market? Historical...
by pkcrafter
Mon Mar 20, 2017 2:27 pm
Forum: Investing - Theory, News & General
Topic: It's worth remembering that bull markets don't last forever
Replies: 95
Views: 6565

Re: It's worth remembering that bull markets don't last forever

I too wish for a severe crash frankly. I am a buyer of stocks.. so I want them to be cheap.
:)
Be careful of what you wish for. It may not be quite as enjoyable or opportunistic as you imagine.



Paul
by pkcrafter
Mon Mar 20, 2017 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: Malpractice Asset Protection
Replies: 18
Views: 1060

Re: Malpractice Asset Protection

I assume you have visited the The White Coat Investor's website. He has several articles on this topic.

https://cse.google.com/cse?cx=partner-p ... gsc.page=1

Paul
by pkcrafter
Mon Mar 20, 2017 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for moving from financial advisor
Replies: 11
Views: 802

Re: Advice for moving from financial advisor

Great! Sounds like you're doing everything right. Let us know how the transfer goes.

Paul
by pkcrafter
Mon Mar 20, 2017 11:35 am
Forum: Investing - Help with Personal Investments
Topic: Retirement Plan: Do it myself or use Advisor?
Replies: 41
Views: 3002

Re: Retirement Plan: Do it myself or use Advisor?

Folks Dinosuar Dad, your concerns are understandable. I've described retirement as suddenly finding yourself on a tightrope with no net below! Of course it's prudent to have knowledge and confidence in what you're doing. We can answer some of your questions if you provide more specific information....
by pkcrafter
Mon Mar 20, 2017 10:29 am
Forum: Investing - Help with Personal Investments
Topic: Advice for moving from financial advisor
Replies: 11
Views: 802

Re: Advice for moving from financial advisor

Rmats, sounds like everything is on it's way to Vanguard, and as I understand it, you are transferring a tax-advantaged account and a taxable account.Were assets sent directly to Vanguard? First off, I hope this does not get messed up because of sending two different accounts at one time. Second, ha...
by pkcrafter
Mon Mar 20, 2017 9:46 am
Forum: Investing - Help with Personal Investments
Topic: Need direction on managing portfolio
Replies: 19
Views: 1379

Re: Need direction on managing portfolio

Rahm, the second link I provided does show Freedom Index funds. Scroll down the page. You can't get 100%k stock from them by definition, but you can get 90/10 with freedom index 2060. I'm suggesting this as a possibility until you can get enough in the Roth to use individual funds. $2500 is the min....
by pkcrafter
Sun Mar 19, 2017 2:14 pm
Forum: Investing - Help with Personal Investments
Topic: Expense Ratio question
Replies: 13
Views: 740

Re: Expense Ratio question

kcpa:
I guess the fund names themselves don't really matter

In this case it does matter. As rutralavalon noted, the TRPrice fund is small/mid growth. The Vanguard fund is total international, so very different and not comparable. TRP fund ER is listed at 1.2%

Paul
by pkcrafter
Sun Mar 19, 2017 11:53 am
Forum: Investing - Help with Personal Investments
Topic: "Don't time the market" vs. "Buy low, sell high"
Replies: 69
Views: 4852

Re: "Don't time the market" vs. "Buy low, sell high"

Obviously, you don't read my posts. I have explained myself in great detail on this forum. Some posts are short and sweet and others are lengthy. Buy low, sell high is not a trite phrase. It is a fundamental precept of investing. If you don't believe that valuations matter, it is a free country and...

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