Search found 33 matches

by rabbitrun
Thu Mar 23, 2017 3:49 pm
Forum: Investing - Help with Personal Investments
Topic: Buy on Ex-Div Date or Just Afterwards?
Replies: 7
Views: 507

Re: Buy on Ex-Div Date or Just Afterwards?

On the Vanguard fund profile, which date is of importance between "record date", "reinvest date", and "payable date?" Each are one day apart.
by rabbitrun
Thu Mar 23, 2017 12:34 pm
Forum: Investing - Help with Personal Investments
Topic: Transferring funds from FA - question on canceling Anuity
Replies: 4
Views: 153

Re: Transferring funds from FA - question on canceling Anuity

I'm in the process of transferring an annuity to Vanguard. I paid a $900 surrender fee (I was in year 6 of 7, around 40K total). The key question is what are the yearly fees of your account? (Account was with AXA- had to dig a lot to get the exact fees). Mine were >$550/yr, so it was a no brainer to...
by rabbitrun
Thu Mar 23, 2017 9:53 am
Forum: Personal Consumer Issues
Topic: Seeking wisdom around saving, living, and housing.
Replies: 22
Views: 1893

Re: Seeking wisdom around saving, living, and housing.

I would add that an overseas trip for your children will offer more to them in the long run than simply a vacation. Gaining exposure to the world at a young age, I believe, will do wonders for their development into well-rounded individuals. I see patients dying of cancer every day. Take the vacatio...
by rabbitrun
Thu Mar 23, 2017 9:42 am
Forum: Investing - Help with Personal Investments
Topic: Roth 401K vs. 401K
Replies: 18
Views: 1004

Re: Roth 401K vs. 401K

To play a little devil's advocate, one could argue that for people in the >25% tax rate, the taxes under the current administration may in fact end up being much lower than they will be in 30 years. This might lead you to put a little more in the Roth 401k compared to traditional.
by rabbitrun
Mon Mar 20, 2017 10:30 am
Forum: Investing - Help with Personal Investments
Topic: Too much information! Where to begin?
Replies: 3
Views: 432

Re: Too much information! Where to begin?

1. No need to switch it, esp with that ER of 1%. What funds are available in your new 401k- can you get ER any lower? 2. Begin by reading some books on the recommended reading list of this website. Does your company have a 401k match? You do not want to miss out on that free money. 3. Getting an eme...
by rabbitrun
Sat Mar 18, 2017 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Buying Struggle
Replies: 6
Views: 967

Re: Vanguard Buying Struggle

Go to "account overview." Click on your "Roth IRA brokerage" account. Underneath on the bottom left click on "Buy and sell" then "Buy Vanguard funds." It will bring you to a page where you can check an existing fund or "Add another Vanguard mutual fund.&q...
by rabbitrun
Sat Mar 18, 2017 10:36 am
Forum: Personal Finance (Not Investing)
Topic: "Millionaire Next Door" Net Worth Formula
Replies: 168
Views: 13609

Re: "Millionaire Next Door" Net Worth Formula

I'm 37 and so far off its kind of comical. :shock:
by rabbitrun
Thu Mar 16, 2017 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: Do you avoid international investing like Jack Bogle?
Replies: 151
Views: 7293

Re: Do you avoid international investing like Jack Bogle?

oldcomputerguy wrote:My AA has 30% of my equity in international.


+1
by rabbitrun
Fri Mar 10, 2017 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: AXA Annuity getting fleeced- switch to Vanguard?
Replies: 16
Views: 1012

Re: AXA Annuity getting fleeced- switch to Vanguard?

As an update, transferring this has been a PITA. Called Vanguard, they said to call AXA. Called AXA, they said to call Vanguard. Filled out Vanguard paperwork and sent it in. AXA wouldn't accept it. Filled out AXA paperwork to send to Vanguard to send to AXA. Wish I could go back in time and undo my...
by rabbitrun
Tue Mar 07, 2017 3:28 pm
Forum: Investing - Help with Personal Investments
Topic: How am I doing?
Replies: 29
Views: 3168

Re: How am I doing?

The first thing to do is see if there are any other options for you to reduce your current tax expense. Can you contribute to an HSA? If so, max it out and then spend out-of-pocket for any medical expenses (not much, but it's something). Yes I am maxing out my HSA. The level of contributions to you...
by rabbitrun
Thu Mar 02, 2017 8:59 am
Forum: Investing - Help with Personal Investments
Topic: How am I doing?
Replies: 29
Views: 3168

Re: How am I doing?

For my international allocation in taxable I am thinking of Schwab International Index Fund SWISX (0.06) or Schwab International Equity ETF (SCHF) (0.07%)? Thoughts between the two?
by rabbitrun
Sun Feb 26, 2017 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Charles Schwab Checking + Brokerage Account
Replies: 76
Views: 11382

Re: Charles Schwab Checking + Brokerage Account

Thanks for the replies. I already have a brokerage account with them, and the no ATM fees (even international) is appealing (better than Portfolio checking at WF which only comps "Wells Fargo" ATM fees). Hate to have my credit pulled at a place where I am already a client with taxable and ...
by rabbitrun
Sat Feb 25, 2017 11:50 pm
Forum: Personal Finance (Not Investing)
Topic: Charles Schwab Checking + Brokerage Account
Replies: 76
Views: 11382

Re: Charles Schwab Checking + Brokerage Account

Schwab says they will run a credit check when you apply for their checking account. Anyone know if this is a "hard" pull that will show up on a credit report?
by rabbitrun
Sat Feb 25, 2017 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: How am I doing?
Replies: 29
Views: 3168

Re: How am I doing?

For this updated AA I am going to have to sell Janus Balanced Fund Class T (JABAX) (0.84%) in taxable to buy Schwab International Equity ETF (SCHF) (0.07%). On the Schwab website I have options to "sell" or "sell and buy another." Is there any difference in these two options (be...
by rabbitrun
Sat Feb 25, 2017 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: How am I doing?
Replies: 29
Views: 3168

Re: How am I doing?

I think the updated plan is sound. Definitely take some more time and learn about investing and personal finances. It will pay off very well in the long run. You're on a very good trajectory....already saved a good amount, reasonable student debt load, mortgage reasonable for income, etc. I feel li...
by rabbitrun
Sat Feb 25, 2017 11:14 am
Forum: Investing - Help with Personal Investments
Topic: How am I doing?
Replies: 29
Views: 3168

Re: How am I doing?

For this updated AA I am going to have to sell Janus Balanced Fund Class T (JABAX) (0.84%) in taxable to buy Schwab International Equity ETF (SCHF) (0.07%). On the Schwab website I have options to "sell" or "sell and buy another." Is there any difference in these two options (bes...
by rabbitrun
Fri Feb 24, 2017 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: Excessive Optum Bank HSA fees vs HSA Bank vs SelectAccount?
Replies: 30
Views: 3971

Re: Excessive Optum Bank HSA fees vs HSA Bank vs SelectAccount?

I have an optum HSA with >5k in cash and >5k investment blanace and I am still getting hit with the monthly $3 investor fee. What gives? I have called multiple times and it is near impossible to get a human on the phone. You pay $3 for as long as you have investment balance. I pay the same amount e...
by rabbitrun
Thu Feb 23, 2017 6:34 pm
Forum: Investing - Help with Personal Investments
Topic: Account transfer
Replies: 6
Views: 222

Re: Account transfer

Hi, I started the process of transferring an account from American Century to Vanguard via the webpage form at Vanguard. It has been almost a week and the status of the transfer is a very cryptic: submit transfer request . What does this mean? Is Vanguard waiting for me to do something at American ...
by rabbitrun
Wed Feb 22, 2017 8:26 pm
Forum: Investing - Help with Personal Investments
Topic: AXA Annuity getting fleeced- switch to Vanguard?
Replies: 16
Views: 1012

Re: AXA Annuity getting fleeced- switch to Vanguard?

Thanks for the responses. I'd like to rip the bandaid off as quickly as possible and not look back! This GB AXA Moderate Growth Strategy that I'm in is not available on Vanguard. If I do an in-kind transfer, is it going to make me sell whichever of the 100+ funds within it that Vanguard does not hav...
by rabbitrun
Wed Feb 22, 2017 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: AXA Annuity getting fleeced- switch to Vanguard?
Replies: 16
Views: 1012

Re: AXA Annuity getting fleeced- switch to Vanguard?

You didn't mention your age. This is relevant because the 10% Federal + separate state penalty applies if you bail out before age 59 1/2. Another option if you're under age 59 1/2 is a tax-free 1035 exchange to Vanguard's variable annuity which has no surrender penalties (to get out of Vanguard). A...
by rabbitrun
Wed Feb 22, 2017 1:08 pm
Forum: Investing - Help with Personal Investments
Topic: AXA Annuity getting fleeced- switch to Vanguard?
Replies: 16
Views: 1012

Re: Roth getting fleeced by AXA- switch to Vanguard?

David Jay wrote:You may want to edit the subject line to "AXA Annuity" - that will likely get you more views from the people who know annuities.


Done thanks!
by rabbitrun
Wed Feb 22, 2017 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: AXA Annuity getting fleeced- switch to Vanguard?
Replies: 16
Views: 1012

AXA Annuity getting fleeced- switch to Vanguard?

In an effort to consolidate my portfolio and reduce fees, I'd like to rollover my current Roth with AXA (from a prior job) into the backdoor Roth started last year with Vanguard. The AXA Roth is about 10% of my total portfolio. It is Retirement Cornerstone B Roth IRA with 100% allocation in GB AXA M...
by rabbitrun
Tue Feb 21, 2017 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: How am I doing?
Replies: 29
Views: 3168

Re: How am I doing?

updated planned AA looks something like this: His 401k 20% Schwab US Large-Cap ETF (SCHX) (0.03%) 20% Vanguard Small-Cap Value Index Fund ETF Shares (VBR) (0.08%) 15% Schwab International Equity ETF (SCHF) (0.07%) 20% Schwab US Aggregate Bond ETF (SCHZ) (0.04%) Taxable 10% Schwab International Equit...
by rabbitrun
Fri Feb 17, 2017 12:44 pm
Forum: Investing - Help with Personal Investments
Topic: How am I doing?
Replies: 29
Views: 3168

Re: How am I doing?

I would try to simplify your investments to the lower cost Schwab funds. I would prefer more exposure to large stocks. Decide your asset allocation (%stocks and %bonds), If want to use 80/20, factor following percentages appropriately to get asset allocation. I would not add bond funds to the taxab...
by rabbitrun
Fri Feb 17, 2017 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: How am I doing?
Replies: 29
Views: 3168

Re: How am I doing?

I agree with the other posters. I would add, however, that whatever you switch out for the Janus fund (that's got to go) should be something tax efficient, perhaps an ETF. Given that you seem to like small and value (so do I), you might want to put it in something like VBR. Thank you. Yes the conse...
by rabbitrun
Fri Feb 17, 2017 10:51 am
Forum: Investing - Help with Personal Investments
Topic: How am I doing?
Replies: 29
Views: 3168

Re: How am I doing?

If you have not seen it already it would be good to check out the white coat investor web site which is run by a doctor who is a regular poster here. http://whitecoatinvestor.com/ One thing I would question is; New annual Contributions ... $12k taxable (for retirement, not short term goals) Assumin...
by rabbitrun
Fri Feb 17, 2017 9:52 am
Forum: Investing - Help with Personal Investments
Topic: How am I doing?
Replies: 29
Views: 3168

Re: How am I doing?

In your tax bracket, I'd either use munis in the taxable account, or hold bonds in 401(k). Those two balanced funds use fully taxable bonds. Also, I'd ditch the high fee Janus fund in taxable. I think you want a tax efficient, low cost index fund, like me a total stock or total intl fund. Thank you...
by rabbitrun
Fri Feb 17, 2017 9:51 am
Forum: Investing - Help with Personal Investments
Topic: How am I doing?
Replies: 29
Views: 3168

Re: How am I doing?

His Rollover IRA at AXA (do not think I can change this allocation until 2018 without a penalty) 10% GB AXA Moderate Growth Strategy (1.05%) According to Morningstar, this fund doesn't have a back end load. Why can't you sell it at AXA and transfer it to Vanguard or Schwab? The ER of VASGX is 0.15%...
by rabbitrun
Fri Feb 17, 2017 9:49 am
Forum: Investing - Help with Personal Investments
Topic: How am I doing?
Replies: 29
Views: 3168

Re: How am I doing?

Compound wrote:I agree with alec's comments.

Additionally, is your rollover a traditional IRA? Just mentioning it because these funds would be subject to the pro rata rule for completing a backdoor Roth.


Thank you for your response. I rolled over my residency 403b into a Roth IRA.
by rabbitrun
Thu Feb 16, 2017 7:54 pm
Forum: Investing - Help with Personal Investments
Topic: How am I doing?
Replies: 29
Views: 3168

How am I doing?

Hello, 37 yo single M physician here. I know a cr*pload more about medicine than finance. Recently read Bernstein's Investor's Manifesto and getting into Bogleheads, although it is somewhat daunting given my general lack of knowledge on the subject. Looking to keep my investments very simple if poss...
by rabbitrun
Thu Feb 16, 2017 5:00 pm
Forum: Investing - Help with Personal Investments
Topic: Excessive Optum Bank HSA fees vs HSA Bank vs SelectAccount?
Replies: 30
Views: 3971

Re: Excessive Optum Bank HSA fees vs HSA Bank vs SelectAccount?

I have an optum HSA with >5k in cash and >5k investment blanace and I am still getting hit with the monthly $3 investor fee. What gives? I have called multiple times and it is near impossible to get a human on the phone.
by rabbitrun
Thu Feb 16, 2017 3:39 pm
Forum: Investing - Help with Personal Investments
Topic: Advice Please - Am I Doing This Right or Do I Need an Advisor Like All My Friends?
Replies: 20
Views: 2489

Re: Advice Please - Am I Doing This Right or Do I Need an Advisor Like All My Friends?

If you want to KISS put your age in a TBM ETF/fund (BND, AGG, SCHZ) and the rest into a total world equity ETF/fund (VT) and be done with it. What would be the real world difference in using Vanguard Total World Stock Index Fund (VTWSX) as your equities portion instead of some combination of Vangua...

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