Search found 41 matches

by soazfree
Sun Aug 13, 2017 9:33 pm
Forum: Investing - Help with Personal Investments
Topic: Withdrawal Options?
Replies: 10
Views: 1098

Re: Withdrawal Options?

Thanks for all of the suggestions. I'm not sure why I'm having a hard time trying to figure this out etc. I suppose I can always call my Flagship rep and get someone at VG to talk to me on this as well.

Thanks again and I welcome any other advice!
by soazfree
Sat Aug 12, 2017 11:02 am
Forum: Investing - Help with Personal Investments
Topic: Withdrawal Options?
Replies: 10
Views: 1098

Withdrawal Options?

Well I’ve been thinking and trying to evaluate if there’s anything unique or special to my upcoming situation for my withdrawal strategy for next year when my early retirement pension/annuity payments stop. Specifically, since the bulk of my money is going to be withdrawn from my tIRA at Vanguard, m...
by soazfree
Thu Apr 20, 2017 11:27 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 39907

Re: Larry Swedroe says "Goodby."

Thanks for the great info, enjoy your retirement (I highly recommend it). And as they say, the door is always open if you want to come back online at a later date! :sharebeer
by soazfree
Thu Apr 13, 2017 11:15 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard login trouble? Tax season issue?
Replies: 10
Views: 760

Re: Vanguard login trouble? Tax season issue?

And what was the issue please?
by soazfree
Wed Mar 29, 2017 11:22 pm
Forum: Investing - Theory, News & General
Topic: Over last 6 years, has the Total Bond Market Index produced an overall slight loss?
Replies: 35
Views: 5139

Re: Over last 6 years, has the Total Bond Market Index produced an overall slight loss?

Munir wrote:nisiprius, thank you for the comprehensive and easy-to-understand explanation.


+1 to Nispirius
by soazfree
Wed Mar 29, 2017 7:35 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to "sell" fund no longer want
Replies: 8
Views: 712

Re: Best way to "sell" fund no longer want

Unless you specify otherwise, it will go into the settlement fund, then when it clears you can buy the vanguard funds. If it is in a taxable account, it will be a taxable event. It would be a taxable event if you exchanged to another fidelity fund. But you say it is in tax advantaged account, so no...
by soazfree
Wed Mar 29, 2017 6:38 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to "sell" fund no longer want
Replies: 8
Views: 712

Re: Best way to "sell" fund no longer want

Sorry, one more question/comment When I'm on the VG page, it doesn't look like I can exchange a Fido fund and buy VG funds (only lets you choose other Fido funds) What isn't clear to me is if I elect to sell all of the FNMIX, does that money go into my settlement fund that I can then use to buy my &...
by soazfree
Wed Mar 29, 2017 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to "sell" fund no longer want
Replies: 8
Views: 712

Re: Best way to "sell" fund no longer want

Thanks all, sorry for not providing a bit more clarity to my situation; 1. Account is with Vanguard 2. It is tax advantaged 3. Yes I've had it more than 91 days, in fact that's why I have it because when I left my adviser and went to the three fund approach, I hadn't held for more than 90 days, so k...
by soazfree
Wed Mar 29, 2017 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to "sell" fund no longer want
Replies: 8
Views: 712

Best way to "sell" fund no longer want

I'm looking for advice on the best way to "sell" my Fid New Market shares (FNMIX) that has a higher expense ratio and allocate the amount to my three fund portfolio. Ideally I want to be able sell it all down to the last cent and no longer have any FNMIX in my account. Do I just sell it al...
by soazfree
Tue Mar 28, 2017 9:34 pm
Forum: Investing - Help with Personal Investments
Topic: Anything unique for withdrawls from 3Fund after age 60?
Replies: 9
Views: 974

Re: Anything unique for withdrawls from 3Fund after age 60?

So if I "sell" the FNMIX, how do I make sure I get rid of it all down to the last cent? I assume I just do a transfer to the money market account, let that settle and then go buy my 3 Fund funds? Sorry, so far all I've done is buy my three funds with my monthly pension amount that gets aut...
by soazfree
Mon Mar 27, 2017 11:53 pm
Forum: Investing - Help with Personal Investments
Topic: Anything unique for withdrawls from 3Fund after age 60?
Replies: 9
Views: 974

Re: Anything unique for withdrawls from 3Fund after age 60?

BL wrote:
I kept the shares of Fid New Mkt FNMIX since I didn't want to pay the early redemption penalty

Since your 90 days are long over, why not dump this and go with low-ER fund(s)?


Yep I've been thinking if I should just blend it all into my core 3 Fund
by soazfree
Mon Mar 27, 2017 11:24 pm
Forum: Investing - Help with Personal Investments
Topic: Anything unique for withdrawls from 3Fund after age 60?
Replies: 9
Views: 974

Re: Anything unique for withdrawls from 3Fund after age 60?

Thanks all for the replies. I kinda figured it made sense to keep AA in line with my target throughout. Good info on the Medicare, although I doubt I'll be still working/earning enough to push me over. Glad I haven't really overlooked anything major. Thanks again
by soazfree
Mon Mar 27, 2017 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: Anything unique for withdrawls from 3Fund after age 60?
Replies: 9
Views: 974

Re: Anything unique for withdrawls from 3Fund after age 60?

OK let me ask it this way;

If I'm going to live off of my 3 Fund 100% until our SS kicks in, do I just withdraw my desired amount and keep the AA what I want it to be? I'm just trying to make sure there isn't a preferred strategy.

Thank you
by soazfree
Fri Mar 24, 2017 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: Anything unique for withdrawls from 3Fund after age 60?
Replies: 9
Views: 974

Anything unique for withdrawls from 3Fund after age 60?

So starting July 2018 I'll receive my last monthly payment of a 5 year pension payout, I'll begin to make withdrawals from my tIRA tax deferred 3 Fund. I just wanted to check to see if there is a preferred fund to withdraw from or to just withdraw from all three to keep AA correct? I'm also currentl...
by soazfree
Fri Dec 02, 2016 3:13 pm
Forum: Investing - Theory, News & General
Topic: ? On Portfolio Visualizer Backtest
Replies: 6
Views: 671

Re: ? On Portfolio Visualizer Backtest

Sorry to resurrect this old thread, but I'm still curious to know if ER charges are accounted for in the data that this tools uses? I don't know what is meant by transaction fees other than loads? Also is my understanding correct that the daily price of a fund already has had the fractional percenta...
by soazfree
Fri Jul 01, 2016 9:57 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Outperforms
Replies: 1
Views: 580

Re: Vanguard Outperforms

And thank you Taylor and all the other smart and experienced folks that have helped us all get started! :beer
by soazfree
Sun Apr 24, 2016 8:24 pm
Forum: Investing - Help with Personal Investments
Topic: 3 vanguard funds?
Replies: 5
Views: 945

Re: 3 vanguard funds?

Just do a search on vanguard page for 2040, they tell you the 4 funds that make it up! Allocation to underlying funds as of 03/31/2016 Ranking by Percentage Fund Percentage 1 Vanguard Total Stock Market Index Fund Investor Shares 53.1% 2 Vanguard Total International Stock Index Fund Investor Shares ...
by soazfree
Sun Apr 24, 2016 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: 3 vanguard funds?
Replies: 5
Views: 945

Re: 3 vanguard funds?

Just do a search on vanguard page for 2040, they tell you the 4 funds that make it up!
by soazfree
Thu Apr 21, 2016 11:55 pm
Forum: Investing - Help with Personal Investments
Topic: Please help a Bogle Newbie Make Final Selections & Ratios
Replies: 37
Views: 2502

Re: Please help a Bogle Newbie Make Final Selections & Ratios

Hang in there, you'll get some great advice. I just recently completed rolling all my money into a 3 fund with Vanguard and already I feel much more relaxed and less stressed. Fidelity also has equivalent "3Fund" funds. Glad you're taking the next step,and good luck!
by soazfree
Sun Apr 10, 2016 6:15 pm
Forum: Investing - Help with Personal Investments
Topic: How much to keep in Cash Settlement?
Replies: 6
Views: 1038

Re: How much to keep in Cash Settlement?

Thanks all. I'll definitely be minimizing the amount I keep there. I'll still be having monthly pension payouts being deposited for another two years that I will be using to buy more of my three fund portfolio.
by soazfree
Sun Apr 10, 2016 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: How much to keep in Cash Settlement?
Replies: 6
Views: 1038

How much to keep in Cash Settlement?

Quick background, I'm currently setting up my 3 Fund with Vanguard. At previous advisor, I had a rather large cash sweep fund that paid monthly fees etc. Obviously I won't be paying that fee any longer, but I was wondering how much if any folks keep in their settlement fund? My account will be low 7...
by soazfree
Sat Apr 09, 2016 11:45 am
Forum: Investing - Help with Personal Investments
Topic: Advice Request, Please
Replies: 25
Views: 2727

Re: Advice Request, Please

Please keep us informed. Many of our new Bogleheads learn the importance of "low costs" and want to move their high-expense funds to Vanguard but are not sure how. Thank you and best wishes. Taylor Just a quick update, the electronic request to move our IRAs have been submitted and are be...
by soazfree
Fri Apr 08, 2016 9:14 am
Forum: Investing - Help with Personal Investments
Topic: Those four sweetest words ...
Replies: 31
Views: 3380

Re: Those four sweetest words ...

So true, my wife and I are in the process as well!
by soazfree
Tue Apr 05, 2016 8:47 am
Forum: Investing - Help with Personal Investments
Topic: Advice Request, Please
Replies: 25
Views: 2727

Re: Moving to Vanguard

Well I got my IRA account set up with Vanguard today. Looking into the best/most cost effective way to get my money moved over next. Thanks to all for the help! soazfree: Please keep us informed. Many of our new Bogleheads learn the importance of "low costs" and want to move their high-ex...
by soazfree
Mon Apr 04, 2016 9:59 pm
Forum: Investing - Help with Personal Investments
Topic: Advice Request, Please
Replies: 25
Views: 2727

Re: Advice Request, Please

Well I got my IRA account set up with Vanguard today. Looking into the best/most cost effective way to get my money moved over next. Thanks to all for the help!
by soazfree
Mon Apr 04, 2016 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: Advice Request, Please
Replies: 25
Views: 2727

Re: Advice Request, Please

1. When I retired, I rolled my 401K from work into an IRA with my FA. I also am having my pension payouts sent into my IRA, and have about another 2+years of payouts. Does this change how I can have my existing IRA transferred to Vanguard? I'm assuming it's a transfer and not a rollover. I don't se...
by soazfree
Sun Apr 03, 2016 5:33 pm
Forum: Investing - Help with Personal Investments
Topic: Advice Request, Please
Replies: 25
Views: 2727

Re: Advice Request, Please

1. When I retired, I rolled my 401K from work into an IRA with my FA. I also am having my pension payouts sent into my IRA, and have about another 2+years of payouts. Does this change how I can have my existing IRA transferred to Vanguard? I'm assuming it's a transfer and not a rollover. It seems t...
by soazfree
Sun Apr 03, 2016 9:18 am
Forum: Investing - Help with Personal Investments
Topic: Advice Request, Please
Replies: 25
Views: 2727

Re: Advice Request, Please

I think you need to do this (in this order) 1. Open Vanguard IRA ASAP 2. Send forms to your pension service to have pension checks sent to new Vanguard IRA. Hopefully you can get this done in time so May's pension check will go to Vanguard 3. Call Vanguard and have them transfer your current IRA to...
by soazfree
Sat Apr 02, 2016 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: Advice Request, Please
Replies: 25
Views: 2727

Re: Advice Request, Please

All, So now that I've had more time to plan this out, I have just a few more questions; 1. When I retired, I rolled my 401K from work into an IRA with my FA. I also am having my pension payouts sent into my IRA, and have about another 2+years of payouts. Does this change how I can have my existing I...
by soazfree
Mon Mar 28, 2016 10:25 am
Forum: Investing - Help with Personal Investments
Topic: Advice Request, Please
Replies: 25
Views: 2727

Re: Advice Request, Please

retiredjg wrote:
soazfree wrote: Am I correct in saying that my fees with the three fund will be slightly less than using the recommended target fund mentioned above?

Yes.

Also I noticed it has international bonds, is this a good thing and needed?

Opinions vary. Either choices is reasonable.

Thank you!
by soazfree
Mon Mar 28, 2016 10:25 am
Forum: Investing - Help with Personal Investments
Topic: Advice Request, Please
Replies: 25
Views: 2727

Re: Advice Request, Please

Thanks again everyone! Actually my wife's 3 fund is still with FA ( yes I know it's stupid to be paying the fee, but I was doing it as an experiment with her smaller dollar total). Am I correct in saying that my fees with the three fund will be slightly less than using the recommended target fund m...
by soazfree
Sun Mar 27, 2016 10:25 pm
Forum: Investing - Help with Personal Investments
Topic: Advice Request, Please
Replies: 25
Views: 2727

Re: Advice Request, Please

[/quote]I guess you know all this because you transferred your wife's IRA last October? The sooner you make the change, the sooner that ~26k difference in expenses will be staying in your account rather than going into those other pockets.[/quote] Thanks again everyone! Actually my wife's 3 fund is ...
by soazfree
Sun Mar 27, 2016 7:55 pm
Forum: Investing - Help with Personal Investments
Topic: Advice Request, Please
Replies: 25
Views: 2727

Re: Advice Request, Please

Thanks to everyone for the replies. I kind of know it's the right thing to do, but there's always the fear factor of screwing something up. I do have a few other much smaller savings that are in taxable accounts and I'm currently working a few hours a week consulting (only because I want to and not ...
by soazfree
Sun Mar 27, 2016 11:18 am
Forum: Investing - Help with Personal Investments
Topic: Advice Request, Please
Replies: 25
Views: 2727

Advice Request, Please

All, I've been reading, learning and observing for about 9 months. Quick background, I'm almost 58 years old, I retired at 55 and had a contributory pension plan which I'm about 2.5 years into the 5 year payout. We've been with our FA for about 7 years (Current Fee is 0.85% of AUM). In October last ...
by soazfree
Sun Sep 20, 2015 6:06 pm
Forum: Investing - Theory, News & General
Topic: ? On Portfolio Visualizer Backtest
Replies: 6
Views: 671

Re: ? On Portfolio Visualizer Backtest

Ok, so I compared the admiral shares VFIAX(.05%) to the Investor shares VFINX((.17%), from 2001 thru 2015 and the CAGRs were 4.75% and 4.69%. I also noticed that the Backtest chart at the bottom says that transaction fees and taxes aren't included. So I believe this means that the ER charges are tak...
by soazfree
Sun Sep 20, 2015 4:25 pm
Forum: Investing - Theory, News & General
Topic: ? On Portfolio Visualizer Backtest
Replies: 6
Views: 671

Re: ? On Portfolio Visualizer Backtest

Thanks, I'll give that a try
by soazfree
Sun Sep 20, 2015 4:08 pm
Forum: Investing - Theory, News & General
Topic: ? On Portfolio Visualizer Backtest
Replies: 6
Views: 671

Re: ? On Portfolio Visualizer Backtest

I'm hoping for an answer today since I meet with my advisor tomorrow. Thanks
by soazfree
Sun Sep 20, 2015 11:40 am
Forum: Investing - Theory, News & General
Topic: ? On Portfolio Visualizer Backtest
Replies: 6
Views: 671

? On Portfolio Visualizer Backtest

Could someone tell me if the Backtest program takes into account fees and loads when it displays the final balance? i.e. If comparing two funds with identical performance , I would expect the fund with lowers fees/load to end up with more money. Thank you. So my thought is the yearly reports note th...
by soazfree
Sat Sep 19, 2015 11:15 pm
Forum: Investing - Help with Personal Investments
Topic: Question on Three Fund Portfolio Applicabilty
Replies: 8
Views: 1132

Re: Question on Three Fund Portfolio Applicabilty

I appreciate everyone's help. I'm meeting with my current advisor on Monday to discuss the changes I would like to make. I look forward to many years on this forum.
by soazfree
Fri Sep 18, 2015 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: Question on Three Fund Portfolio Applicabilty
Replies: 8
Views: 1132

Question on Three Fund Portfolio Applicabilty

Bogle newbie so please excuse my ignorance. My question is; Is the three fund portfolio applicable for any stage of one's life? Specifically, I'm 57 yrs old and have about 2.5 years left on my lump sum pension payout. Would there be any reason not to use the three fund approach? I'm not looking to b...