Search found 1096 matches

by sometimesinvestor
Thu Jan 19, 2017 7:54 pm
Forum: Investing - Help with Personal Investments
Topic: newly acquired portfolio feedback
Replies: 19
Views: 1691

Re: newly acquired portfolio feedback

I do not think you should sell wellington in the taxable account(why pay taxes in a good long term investment?) but agree it might not be best to invest additional dollars though you could perhaps continue to reinvest dividends if you are not sure that anything else would be a better investment. In ...
by sometimesinvestor
Thu Jan 19, 2017 7:36 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie investor could use a lil advice
Replies: 10
Views: 598

Re: Newbie investor could use a lil advice

I am not risk averse so think that 60-40 is fine at almost any age and since the stock market usually goes up the larger allocation to stocks works better over the very long run. I note that there is very little international in wellington but as pointed out diversification does not always work . I ...
by sometimesinvestor
Sun Jan 01, 2017 11:35 am
Forum: Investing - Help with Personal Investments
Topic: Comment on my portfolio and situation
Replies: 7
Views: 814

Re: Comment on my portfolio and situation

Not enough info to call you crazy and certainly not if you are apending the income fom but as you know you would be better off with the S+p 500 (less taxable income and possibly more growth. I agree with the comment re your Roth and lack of stocks. VYM would be a good choice for that combining some ...
by sometimesinvestor
Sun Jan 01, 2017 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Considering Tax Benefits of 401k when you have existing debts...
Replies: 8
Views: 728

Re: Considering Tax Benefits of 401k when you have existing debts...

I sort of agree with those who suggest contributing up to the match limit but you have not told us the interest rate you are paying on the debt.If some is credit card debt at 18% you should pay that off first as you are unlikely to get as good a return on investments unless the match is very generou...
by sometimesinvestor
Sat Dec 31, 2016 1:37 pm
Forum: Investing - Theory, News & General
Topic: The average investor made just over 5% in 2016, according to Openfolio
Replies: 21
Views: 2902

Re: The average investor made just over 5% in 2016, according to Openfolio

hardly surprising since international did so bad and bonds mediocore emerging markets poor and high yield not great plus lots of people probably were invested overweight in health care. I was
by sometimesinvestor
Wed Dec 28, 2016 11:06 am
Forum: Investing - Help with Personal Investments
Topic: Sell or keep these funds
Replies: 4
Views: 404

Re: Sell or keep these funds

I think you should sell over two, three or four years.and certainly not in one calendar year Check with an accountant about whether a sale at a profit now would be taxable for the year 2016 and if you can decide if you wish to do so.. .If you want to gamble on Trump's announcements sell some fractio...
by sometimesinvestor
Tue Dec 27, 2016 8:41 pm
Forum: Investing - Help with Personal Investments
Topic: Help me get back into the market
Replies: 24
Views: 3267

Re: Help me get back into the market

As pointed out by some of the posts immediate investment might be best but for you I suggest Value cost averaging/ IT should work out fairly well and perhaps more important give you confidence you are doing the right thing I actually think the investopedia link is clearer than the Boglehead wiki lin...
by sometimesinvestor
Tue Dec 27, 2016 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: Help me understand if/why I should buy bonds in this environment
Replies: 21
Views: 2473

Re: Help me understand if/why I should buy bonds in this environment

T.Rowe Price and Fidelity have good floating rate bond funds . They will do well in rising interest environments though there is some credit risk(not that much but some) These would be good investments in the short .medium run .I would buy an intermediate bond fund if the 10 year rate is 4%.Alternat...
by sometimesinvestor
Mon Dec 26, 2016 9:08 am
Forum: Investing - Help with Personal Investments
Topic: Will index funds suffer if U.S. has Japan-like recession?
Replies: 10
Views: 811

Re: Will index funds suffer if U.S. has Japan-like recession?

so is there a better investment strategy than broad US based index funds for a core portfolio holding? Active Funds? or ETFs sliced and diced? Don't know if anyone can give you a good answer to that question and it certainly can't be done until we know the reason for the economic stagnation. For ex...
by sometimesinvestor
Fri Dec 23, 2016 11:02 pm
Forum: Investing - Help with Personal Investments
Topic: Roth or standard ?
Replies: 3
Views: 528

Re: Roth or standard ?

a bracket higher than 30% suggests to me that standard is best but what is clear is at the time of retirement you want some money in both . The child's age is also relevant . Over 50 standard is also likely to work better
by sometimesinvestor
Mon Dec 19, 2016 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Should we get LTC Insurance?
Replies: 22
Views: 2538

Re: Should we get LTC Insurance?

I believe "the book" suggests " that the optimal time to buY LTC is generally in the mid 50 but if this rare is very low and will last for the the rest of yourlife it might be worthwhile (sorry but I don't know enough about rates especially at your age
by sometimesinvestor
Thu Dec 08, 2016 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Current Market rally
Replies: 61
Views: 7703

Re: Current Market rally

At current levels I don't particularly want to buy stocks or bonds.I do not think its obvious to get out of the market at this time and I don't actually think it was clear to do so in 2007 but sometimes (spring of 2000) it is and in that sense I disagree with Jack as the amount I have on the day of ...
by sometimesinvestor
Wed Oct 05, 2016 10:28 am
Forum: Investing - Help with Personal Investments
Topic: Optimizing IRA withdrawals and conversion to Roth
Replies: 4
Views: 361

Re: Optimizing IRA withdrawals and conversion to Roth

i may be missing something but assuming you file jointly it does not seem to matter for tax purposes which account you withdraw from. I would take the money out of your account till you are 70.5 (Your account is larger so there is more to take out) Once you reach 70-5 it may be appropriate to take e...
by sometimesinvestor
Sat Sep 24, 2016 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Does anybody here have a good credit score with no credit cards?
Replies: 16
Views: 1856

Re: Does anybody here have a good credit score with no credit cards?

The usual suggestion for improving your credit score is borrowing money and paying it back with ontime payments. I think the credit card isa the easiest way to do that.I don't know if anyone will answer yes to your question bu I do think a credit card is the way to go provided you pay the money back...
by sometimesinvestor
Sat Sep 24, 2016 12:43 pm
Forum: Investing - Theory, News & General
Topic: Harvard Endowment Losses Tied to Value Stocks
Replies: 57
Views: 5522

Re: Harvard Endowment Losses Tied to Value Stocks

Just to clarify it is my understanding that active management outperforms indexing but does not do so net of fees. This is a reason Wellesley and wellington have outperformed the appropriate indices. I am fairly confident that Harvard pays still lower fees for stock and Bond investments so it may be...
by sometimesinvestor
Sat Sep 10, 2016 6:24 pm
Forum: Investing - Theory, News & General
Topic: ["Wells Fargo Fined for Years of Harm to Customers"]
Replies: 129
Views: 9204

Since the wellsfargo thread did not discuss Vanguard's responsibility

[Thread merged into here, see below. --admin LadyGeek] Next to Berkshire Hathaway I believe Vanguard is the second largest shareholder of wells fargo and consistently votes with the board including on executive compensation .Vanguard argues that they have influence behind the scenes, Not much I wou...
by sometimesinvestor
Sat Sep 03, 2016 10:37 pm
Forum: Investing - Help with Personal Investments
Topic: RMD Strategy
Replies: 12
Views: 1511

Re: RMD Strategy

will you be working until its time for rmds? I not you may wish to consider partial roth conversions in the years between your retirement year and the time when you have to take rmds Diversifying how your accounts are taxed can be helpful. other than that i agree that your plan is a good one
by sometimesinvestor
Fri Sep 02, 2016 10:42 pm
Forum: Investing - Help with Personal Investments
Topic: When do I add bonds to my child's 529?
Replies: 18
Views: 1421

Re: When do I add bonds to my child's 529?

If you were 100% in stocks at the beginning of 2008 and made no moves you would have been even near the end of 2010 but in a bit of trouble in sept 2011. Basically I would treat it as be100% in stocks till roughly age 15 then if you think the market is high begin to significantly be out of stocks. I...
by sometimesinvestor
Fri Sep 02, 2016 10:10 pm
Forum: Investing - Theory, News & General
Topic: Selling all equities, discuss why I'm wrong. :)
Replies: 226
Views: 29561

Re: Selling all equities, discuss why I'm wrong. :)

I believe that what the op mean as a benchmark was a figure that was appropriate to compare to to evaluate if he had made the wrong decision . Since an alternative he considered was lifestyle growth he concluded that he had made the wrong decision We now know but could not have known at the time was...
by sometimesinvestor
Fri Sep 02, 2016 8:11 pm
Forum: Investing - Help with Personal Investments
Topic: Federal employee seeking more ways to save for retirement
Replies: 8
Views: 1180

Re: Federal employee seeking more ways to save for retirement

Depending on risk tolerance a combination of something like Vanguards tax managed balanced fund and Total Stock market in a taxable account will probably work out/ An alternative to the balanced fund might be a state tax free municipal fund depending on what state you live in .
by sometimesinvestor
Wed Jul 20, 2016 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: Need input on where to invest for my roll IRA with Fidelity
Replies: 13
Views: 591

Re: Need input on where to invest for my roll IRA with Fidelity

I think its ok to have an investment in IT services but as suggested it is too specialized to have more than 5% of your investments in it. It is NOT the one fund to have if you are having only one. For that FFNOX is a possible choice The Spartan 500 fun FUSEX would also be an ok choice Once you have...
by sometimesinvestor
Sat Jul 16, 2016 11:23 am
Forum: Investing - Help with Personal Investments
Topic: New Bond Option in my 457b - please advise
Replies: 8
Views: 704

Re: New Bond Option in my 457b - please advise

While past performance is no guarantee a sure thing is a sure thing Roll over the bond funds in your 457b into the G fund and otherwise do nothing hh
by sometimesinvestor
Sat Jul 16, 2016 10:02 am
Forum: Investing - Theory, News & General
Topic: Do You Practice Ethical Investing?
Replies: 47
Views: 2382

Re: Do You Practice Ethical Investing?

I buy stock in my local utility as a hedge against larger bills . I buy Exxon as a hedge against higher gas prices I don't smoke so I don't buy altriag
by sometimesinvestor
Wed Jul 13, 2016 10:10 am
Forum: Investing - Help with Personal Investments
Topic: Is my fund selection logical for my goals?
Replies: 8
Views: 628

Re: Is my fund selection logical for my goals?

Given your desire fora significant value tilt, which I don't happen to agree with I think the portfolio is fine but i would put perhaps an additional 5-10% in a bond fund so you will have a source of funds to use to buy equities if the market fell significantly. This assumes that your statement that...
by sometimesinvestor
Wed Jul 13, 2016 10:05 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio for 75-year-old with minimal expenses
Replies: 10
Views: 1001

Re: Portfolio for 75-year-old with minimal expenses

I may be in the minority but the current portfolio seems ok to me.I am sure most of us have underperformed this portfolio year to date and possibly over one year. There may be a good less expensive (ER) alternative to the Global income fund but this portfolio seems set up for Capital preservation wh...
by sometimesinvestor
Wed Jul 13, 2016 9:07 am
Forum: Investing - Help with Personal Investments
Topic: Help with 401k portfolio
Replies: 3
Views: 367

Re: Help with 401k portfolio

yes , you are asking lot of people to look up that many funds . i recognize only two symbols prwcx (price capital appreciation , an excellent fund ) and Fcntx fidelity contrafund , also a good fund .Given those two I suspect that you can put together a good asset allocation whether or not you includ...
by sometimesinvestor
Wed Jul 13, 2016 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Saving for college vs maxing out retirement accts
Replies: 24
Views: 2118

Re: Saving for college vs maxing out retirement accts

I think you should try to save enough money for tuition room and board at the best public college in your state .If your kid (s) can get into Harvard, Yale Princeton ,MIT, Stanford etc well those schools are pretty generous with scholarship money . Between the very top schools and your best state co...
by sometimesinvestor
Mon Jul 11, 2016 8:41 pm
Forum: Investing - Help with Personal Investments
Topic: Today's the day, I finally bought bonds
Replies: 13
Views: 1159

Re: Today's the day, I finally bought bonds

THe concept is ok but why didn't you do it over time say 10 or 25k per month . Are there a limited number of trades allowed in your 403b that would prevent this strategy. I hope other commenters address the strategy of doing this at one time rather than dollar averaging into this and they may well d...
by sometimesinvestor
Thu Jul 07, 2016 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: Treat Social Security (and Pension) Like Bonds and Maximize Equities?
Replies: 16
Views: 1665

Re: Treat Social Security (and Pension) Like Bonds and Maximize Equities?

I do not think there is any question asked more often . It was in fact my first question I asked on this site THere are two comments generally made . One is the argument you made that you can afford to be bolder and own more stock funds . The other is that because you have other sources of income (t...
by sometimesinvestor
Sat Jul 02, 2016 1:57 pm
Forum: Investing - Theory, News & General
Topic: The G.I. Joe Fallacy
Replies: 29
Views: 5150

Re: The G.I. Joe Fallacy

Not sure this is the perfect thread but I do want to point out that so far the USA investing public handled Brexit very well and brought stocks on Monday and Tuesday.
by sometimesinvestor
Sun Jun 26, 2016 12:03 pm
Forum: Investing - Theory, News & General
Topic: FIdelity /brexit
Replies: 1
Views: 583

FIdelity /brexit

Since there is a vanguard thread wirth a schwab link here is more info

https://www.fidelity.com/viewpoints/mar ... -investors
by sometimesinvestor
Fri Jun 24, 2016 7:06 pm
Forum: Investing - Theory, News & General
Topic: Another Brexit question
Replies: 15
Views: 3066

Re: Another Brexit question

The US is probablya better place to invest at this time but probably does not mean certainly. I would do nothing for two weeks and then decide if you are comfortable with the then asset allocation. If not I would suggest an additional investment in US stocks using bonds as a fund source. If you are ...
by sometimesinvestor
Fri Jun 24, 2016 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: NY 529 plan investments as college looms
Replies: 4
Views: 562

Re: NY 529 plan investments as college looms

It was 18% but obviously investing at that point is not a sure thing plus the market may not drop that low or may go even lower. Inflation protected bonds provide greater returns when inflation increases and inflation usually results in higher interest rates and lower ordinary bond prices. Here isa ...
by sometimesinvestor
Thu Jun 23, 2016 2:04 pm
Forum: Investing - Help with Personal Investments
Topic: Stop playing the game in steps
Replies: 13
Views: 1299

Re: Stop playing the game in steps

In my opinion its too optimistic. The Retirement portion is probably ok (I don't know your age ) but both college and the purchase of a new home are probably too close to be sure you will reach your goal and if for example you were almost ready to buy a house and the market plunged you would not be ...
by sometimesinvestor
Thu Jun 23, 2016 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: NY 529 plan investments as college looms
Replies: 4
Views: 562

Re: NY 529 plan investments as college looms

You can get a clarification but I assume one change means 1 day of changes so you could move a small portion of your conservative and moderate portfolios into a100 stock portfolio and or given your concerns about bonds into the inflation protected portfolio.. I don't know what the prime mm is provid...
by sometimesinvestor
Sat Jun 11, 2016 10:16 pm
Forum: Investing - Theory, News & General
Topic: The Two fund portfoluio
Replies: 2
Views: 666

The Two fund portfoluio

While past performance is no guarantee It is rare that international investments outperform the U.S.. While it may be more volatile perhaps Total stock market +Total bond market in some proportion might be better. Certainly both Buffett and Bogle believe it.
by sometimesinvestor
Wed Jun 08, 2016 9:30 pm
Forum: Investing - Help with Personal Investments
Topic: I need some help to understand why I should invest in bonds at such a young age
Replies: 235
Views: 15345

Re: I need some help to understand why I should invest in bonds at such a young age

In the good old days (say a few years before you were born bonds were not necessary (though it would have been a good idea to own them because since that time they have often outperformed stocks.for example at the market lows of 2011 bonds had outperformed stocks over the previous 30 year period) be...
by sometimesinvestor
Tue May 31, 2016 2:40 pm
Forum: Personal Consumer Issues
Topic: Would you pay 6x face value to see Hamilton on Broadway?
Replies: 139
Views: 10096

Re: Would you pay 6x face value to see Hamilton on Broadway?

it depends on the reviews and I don't know how much the actors rather than the play are praised. I confess the only time I have ever paid more than face value fora ticket (and it was about 50% more was when I wanted to see Linda Ronstadt in Pirates of Penzance after the show announced she was leavin...
by sometimesinvestor
Tue May 24, 2016 2:27 pm
Forum: Investing - Theory, News & General
Topic: Bernstein says emergency fund part of your "asset allocation?"
Replies: 62
Views: 6310

Re: Bernstein says emergency fund part of your "asset allocation?"

Duplicating some comment I would not consider it part of my AA and the reason is simple . I don't consider an emergency fund as a source of funds to buy stocks or bonds but as a fund source for the purpose of auto repair , fixing the roof and surprising medical expenses
by sometimesinvestor
Mon May 23, 2016 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: A toughie... Trust and Will but no one to ask... what to do?
Replies: 12
Views: 1245

Re: A toughie... Trust and Will but no one to ask... what to do?

Agree with everybody . Get someone you have reasonable confidence at the moment and recognise you may change your mind at some point in the future at which time the person or persons you should name may be clearer
by sometimesinvestor
Thu May 19, 2016 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity's Total Bond Fund
Replies: 20
Views: 2405

Re: Fidelity's Total Bond Fund

Many including the John Bogle think the bond index is invested too much in Govt bonds. Based on the comments so far I suggest purchasing the Spartan total Bond index + the Ishares high grade corporate bond symbol LQD. This has no commission charge and an expense ratio of .15.Buy the amount that gets...
by sometimesinvestor
Sat May 14, 2016 3:58 pm
Forum: Investing - Theory, News & General
Topic: Timing for buying mutual funds?
Replies: 7
Views: 993

Re: Timing for buying mutual funds?

For some fund families (fewer than there used to be ) it can be right to buy international funds aftera strong day in the us market.The benefit only lasts one day unfortunately. The only thing you can do iss watch cnbc from 3:15 on. They will usually tell you about the status of the orders at close(...
by sometimesinvestor
Sat May 14, 2016 3:47 pm
Forum: Investing - Help with Personal Investments
Topic: Index Fund & ? for Taxable Account
Replies: 6
Views: 621

Re: Index Fund & ? for Taxable Account

I am astonished that I am the first to say this but it may be that a tax free bond fund is more appropriate. The correct decision depends on your state of residence and your tax bracket
by sometimesinvestor
Wed May 11, 2016 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of preparing Form 1041
Replies: 8
Views: 1392

Re: Cost of preparing Form 1041

If you can handle a moderately complicated 1040 + schedule A.B, D you can probably do it yourself if the estate income comes strictly from stocks, bonds mutual funds,bank accounts and perhaps the sale of a residence. With regard to the latter it would be a good idea to get an appraisal shortly after...
by sometimesinvestor
Wed May 11, 2016 9:25 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Health Care Index Fund VGHCX
Replies: 10
Views: 1918

Re: Vanguard Health Care Index Fund VGHCX

I guess I disagree with the advice to hold a health care fund for at least 20 years though that advice may work out. Peak demands on the health care system in the medium run occur sometime between 2025 and 2030. After that baby boomers start dying out at a faster rate than the smaller Gen x generati...
by sometimesinvestor
Mon May 09, 2016 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: Stable Value Fund vs. Total Bond
Replies: 14
Views: 1606

Re: Stable Value Fund vs. Total Bond

I thought Taylor's first comment was excellent; his comment regarding cons not so much. For example at least in my opinion almost all of the points made by the Laura Dogu quote are irrelevant in a 401k account . Basically if you pick one fund you will be right or wrong . If you go with two you will ...
by sometimesinvestor
Sat May 07, 2016 5:26 pm
Forum: Investing - Theory, News & General
Topic: "Do Vanguard Funds Have Hidden Costs?"
Replies: 9
Views: 2062

Re: "Do Vanguard Funds Have Hidden Costs?"

Vanguard's most important hidden cost is that the expense ratio is apparently too low to prove decent service on telephone calls. See all the threads where people compare Vanguard service to TRP and Fidelity.
by sometimesinvestor
Tue May 03, 2016 2:35 pm
Forum: Investing - Theory, News & General
Topic: Does T.R. Price add value for its investors
Replies: 43
Views: 5815

Re: Does T.R. Price add value for its investors

Couldn't help noticing that Larry didn't examine the performance of TRP capital appreciation which might be the most often owned TRP fund of people who visit this site. I assume the problem is that it is not comparable to any index fund or even a 60-40 mix which might be a reasonable comparison)
by sometimesinvestor
Tue May 03, 2016 2:19 pm
Forum: Personal Consumer Issues
Topic: Ally's Webroot Secure anywhere Antivirus software - any good?
Replies: 6
Views: 748

Re: Ally's Webroot Secure anywhere Antivirus software - any good?

webroot secure is relatively idiot proof. it updates itself and warns you that a sight you are planning to go to is risky
by sometimesinvestor
Mon May 02, 2016 10:46 pm
Forum: Investing - Theory, News & General
Topic: Stable Value Fees
Replies: 9
Views: 1013

Re: Stable Value Fees

JUst another vote for ignoring the expense ratio . Its the yield that counts given that you have a respectable firm (usually an insurance company ) that's providing the stable value fund

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