Search found 1147 matches

by sometimesinvestor
Sun Sep 24, 2017 11:09 am
Forum: Investing - Help with Personal Investments
Topic: Transferring IRA as Beneficiary While Avoiding Financial Adviser
Replies: 37
Views: 2534

Re: Transferring IRA as Beneficiary While Avoiding Financial Adviser

Forget Fidelity advisor but I think you should call Fidelity . THey may be willing to help when Vanguard didn't and they are much more likely to have a local office near where you live. Its only a phone call.
by sometimesinvestor
Fri Sep 22, 2017 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: long term care
Replies: 5
Views: 628

Re: long term care

It is my understanding that the best time to buy this insurance is in your late 50s. AS to whether you should depends on many factors(your health amount of assets, your parents history, whether you have kids and whether they live nearby etc. and Iagree the threads may help.
by sometimesinvestor
Sat Sep 16, 2017 6:27 am
Forum: Investing - Help with Personal Investments
Topic: Bipolar Investor Wants to Roll The Dice
Replies: 12
Views: 1662

Re: Bipolar Investor Wants to Roll The Dice

Obvious answer is emerging market but I want to make it clear I am answering the question not recommending it.
https://personal.vanguard.com/us/funds/ ... IntExt=INT
by sometimesinvestor
Thu Sep 07, 2017 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: inherited annuity question?
Replies: 19
Views: 1397

Re: inherited annuity question?

I believecadreamer is correct. Annuities do not result in a step up basis so whether or not it is an ira taxes will be owed. the issue is how much of the annuity is taxable
by sometimesinvestor
Fri Aug 18, 2017 1:14 pm
Forum: Investing - Theory, News & General
Topic: Here is a criticisim of active management I don't get
Replies: 24
Views: 2420

Here is a criticisim of active management I don't get

http://www.etf.com/sections/index-investor-corner/active-large-cap-hot-streak-doesnt-add?nopaging=1 If I am an active manager who does not pick stocks as well as the best stock picker but am smart enough to in 2017 invest some percentage of my fund in european stocks that are doing well why should i...
by sometimesinvestor
Sun Aug 13, 2017 7:58 pm
Forum: Investing - Help with Personal Investments
Topic: Are these decent Fidelity options for simple portfolio?
Replies: 5
Views: 793

Re: Are these decent Fidelity options for simple portfolio?

Your index choices are good/K shares are generally not that expensive and you should check the expense ratios for the active funds.Active management can outperform particularly if expenses are low.The main issue is whether the active management can still outperform but no one knows the answer to tha...
by sometimesinvestor
Thu Jun 29, 2017 9:25 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Choosing Funds for Utah/NY 529 Plans
Replies: 12
Views: 878

Re: Help with Choosing Funds for Utah/NY 529 Plans

I am fairly familiar with NY.If you go NY pick age related aggressive and reexamine your options when the child is 12 or 13. At that time if performance has been great or the market has you worried reconsider but age related at younger ages will keep it simple but also satisfactory
by sometimesinvestor
Sat Jun 10, 2017 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: couple questions about SSA (67 vs 70) and breakeven points
Replies: 20
Views: 1978

Re: couple questions about SSA (67 vs 70) and breakeven points

Sorry , I was unwilling to check the math but have a few observations. Break even gets reduced because of the adjustments for inflation with the larger base arising from waiting. The decision fora single individual is mostly a matter of guessing how long you will live but unless your wife has earned...
by sometimesinvestor
Sun Jun 04, 2017 10:30 am
Forum: Investing - Help with Personal Investments
Topic: Any Reasons I shouldn't switch 529 plan
Replies: 7
Views: 754

Re: Any Reasons I shouldn't switch 529 plan

By any chance do you work in NY and pay at least some NY taxes? In that case the ny plan ,which uses Vanguard also may have some tax benefits to you
by sometimesinvestor
Wed May 24, 2017 6:48 am
Forum: Investing - Theory, News & General
Topic: Another Millionaire Using Index Funds
Replies: 3
Views: 2158

Re: Another Millionaire Using Index Funds

Sorry . Its ok to be pro index funds but I doubt many readers would draw that conclusion out of this article. The subject turned his financial life around and there are useful lessons in the actions he took but he did NOT become a millionaire because of index funds though its possible that he made i...
by sometimesinvestor
Mon May 22, 2017 7:59 pm
Forum: Investing - Help with Personal Investments
Topic: Can you take these Core funds and Create a Three Fund Portfolio?
Replies: 29
Views: 3206

Re: Can you take these Core funds and Create a Three Fund Portfolio?

Most experts including John Bogle do not consider bonds (including BND) a great investment at this time. THis does not mean it won't be a good investment in a year or two, As a bond substitute for your 3 fund portfolio I would check out the return on the stable income fund. If its more than 1.50% I ...
by sometimesinvestor
Sat May 20, 2017 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: Which Fund to Buy in a Taxable Account?
Replies: 8
Views: 1052

Re: Which Fund to Buy in a Taxable Account?

There is always vanguards tax managed balanced fund perhaps combined with with an international fund if you can take advantage of the foreign tax credit
by sometimesinvestor
Fri May 19, 2017 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Question for you high net worth individuals... [real estate investments]
Replies: 82
Views: 11831

Re: Question for you high net worth individuals...

I confess I have not read most of the comments so this may be duplicative but it is wrong to invest in real estate unless you are capable of doing a good deal of the maintenance including late night calls to fix the leaking sink/ If you want to make a small investment in REITS go ahead as it won't b...
by sometimesinvestor
Fri May 19, 2017 7:35 pm
Forum: Investing - Theory, News & General
Topic: Interesting conversation with an alleged SS actuary
Replies: 63
Views: 6003

Re: Interesting conversation with an alleged SS actuary

Yes sinsles have it easier as they just have to guess how long compared to average they will live.Longer than average means delay.Married have other problems and a variety of strategies but any strategy might not work out for the best .It may be married couples should take out insurance against livi...
by sometimesinvestor
Thu May 18, 2017 5:32 pm
Forum: Investing - Theory, News & General
Topic: For those with $500k-$1m in investments...
Replies: 138
Views: 14455

Re: For those with $500k-$1m in investments...

I think its an age thing. I started investing in taxable as IRAs and Roth IRAS were not available.For about 5 years I invested in both.After 1986 I no longer invested in IRAs but started investing in 401k. (they were no longer deductible for me After I retired but before I was 70 I did some Roth con...
by sometimesinvestor
Fri Apr 21, 2017 9:42 am
Forum: Investing - Theory, News & General
Topic: I don't understand the case for EE bonds
Replies: 321
Views: 21739

Re: I don't understand the case for EE bonds

There has yet to be a 15-year period where stocks have lost money, but it's not impossible for it to happen in the future. Based on data in our Simba backtest spreadsheet, US stocks had a cumulative real return of -5% over the 17-year period 1965-1981 (inclusive). Of course that high-inflation peri...
by sometimesinvestor
Thu Apr 20, 2017 5:14 pm
Forum: Investing - Theory, News & General
Topic: I don't understand the case for EE bonds
Replies: 321
Views: 21739

I don't understand the case for EE bonds

Yes I understand that if I hold for 20 years I can get 3.5% though I am not sure what the return is if I hold it say for 22 years. My main reason for doubt is the unlikelihood of not getting a higher return in the stock market if I am in it for 20 years. I have read there is no 15 year period where ...
by sometimesinvestor
Mon Apr 03, 2017 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: IS 200k household income "middle income" these days? Has that threshold increased?
Replies: 42
Views: 3681

Re: IS 200k household income "middle income" these days? Has that threshold increased?

In theory , in my opinion middle class income varies by state but is in the range of median income for the state or in a few cases city (Boston would be one)+/- 10%. However it is important to note that in surveys the number of people who indicate in response to a question that they are in the middl...
by sometimesinvestor
Mon Apr 03, 2017 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Retirement Planning
Replies: 5
Views: 773

Re: Help with Retirement Planning

I think your taxable account should be Vanguard tax managed balanced(roughly 50% stocks 50% national tax free bonds.Vanguard's california ta fee bond and an international stock position that will take advantage of the foreign tax credit but keep it below the level that requires the 1116 form in orde...
by sometimesinvestor
Mon Apr 03, 2017 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Taxable Estate (def'n)
Replies: 2
Views: 423

Re: Taxable Estate (def'n)

The minimum size of a taxable estate for federal tax purposes is over $4 million(not the precise number but its easy to look up) but thereare states whose estate tax kicks in at much lower levels .It may mean that the clause has something to do with lowering estate taxes by making a charity donation...
by sometimesinvestor
Mon Apr 03, 2017 4:05 pm
Forum: Investing - Theory, News & General
Topic: Remembering the Crash of 1987
Replies: 66
Views: 7146

Re: Remembering the Crash of 1987

I wrongly sold a balanced fund on Oct 19 in order to buy an aggressive growth fund. It worked out eventually but I have learned it wasn't really clever (the difference between bold and foolhardy is not much ) Why was it wrong? Basically the market hita low about 6 weeks after the crash not the day a...
by sometimesinvestor
Sat Apr 01, 2017 12:37 pm
Forum: Investing - Theory, News & General
Topic: Since robots are cheaper than humans expect smart beta to beat the indices
Replies: 11
Views: 1863

Re: Since robots are cheaper than humans expect smart beta to beat the indices

Since robots are cheaper than humans expect smart beta to beat the indices The conclusion does not obviously follow from the premise. Why should robots being cheaper then humans impact the returns of 'smart beta' versus 'indices'? (and isn't smart beta often implemented via an index?) \ Sorry if th...
by sometimesinvestor
Fri Mar 31, 2017 7:12 pm
Forum: Investing - Help with Personal Investments
Topic: New to the Forum-Totally lost in regards to how much $ I need to retire
Replies: 15
Views: 1350

Re: New to the Forum-Totally lost in regards to how much $ I need to retire

Fidelity T.Rowe Price and vanguard all have pretty good calculators. I think you might need 2 million at age 60 but taxes affect that calculation Perhaps there will be a way to hedge medical expenses which are likely to be high between 60 and 65 ANd I do think you may want a medicare advantage or he...
by sometimesinvestor
Fri Mar 31, 2017 6:54 pm
Forum: Investing - Theory, News & General
Topic: Since robots are cheaper than humans expect smart beta to beat the indices
Replies: 11
Views: 1863

Since robots are cheaper than humans expect smart beta to beat the indices

https://www.bloomberg.com/gadfly/articl ... -beta-bots

or consider

http://www.marketwatch.com/story/blackr ... 3-30/print



Even john bogle sees a problem with bond index funds. The trick is obviously to decide if a value or growth strategy is best for a given year than program appropriately
by sometimesinvestor
Thu Mar 30, 2017 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: Contribute to a govt 457(b)?
Replies: 12
Views: 1147

Re: Contribute to a govt 457(b)?

Stock market has been up for 8 years. Bond prices are clearly high and inflation may be coming. Invest in the high credit union rate and if stocks drop drop what you consider a meaningful amount try your luck with the S+P 500 fund since as noted the .5% rate is not awful and a purchase in the future...
by sometimesinvestor
Thu Mar 30, 2017 2:35 pm
Forum: Investing - Theory, News & General
Topic: Sitting down with Fidelity advisor next week
Replies: 22
Views: 3225

Re: Sitting down with Fidelity advisor next week

Fidelity is not edward jones or vanguard. You have a decent chance for good advice.
by sometimesinvestor
Wed Mar 29, 2017 6:05 pm
Forum: Investing - Help with Personal Investments
Topic: Help understanding index purchase and allocation
Replies: 5
Views: 487

Re: Help understanding index purchase and allocation

Agree completely with Cantpassagain. Peter Foley's advice would be great if it was 2010 but the market has been growing for 8 years and some prudence (like a bond holding ) seems appropriate/ Also having some investments in other countries could help diversification and a target fund will provide th...
by sometimesinvestor
Sat Mar 18, 2017 9:46 am
Forum: Investing - Help with Personal Investments
Topic: Can I minimize the Tax Torpedo and future Medicare costs?
Replies: 27
Views: 2814

Re: Can I minimize the Tax Torpedo and future Medicare costs?

I agree with the comments suggesting Roth Conversions even think it will be worthwhile to do then to the extent that you are close to the top of the 25% bracket as it is clear you will be there after 70 .You are in the classic you can pay me now or pay me later trap.If your Roth investments do well ...
by sometimesinvestor
Thu Mar 09, 2017 9:52 pm
Forum: Investing - Help with Personal Investments
Topic: Open bond fund now or wait till Fed rate increase next week
Replies: 15
Views: 1646

Re: Open bond fund now or wait till Fed rate increase next week

If the "experts " think there is a 90% chance of a rate hike and it happens then prices will go down because the market had assumed there wasa 10% chance it wouldn't.You could also open the account with a small amount of money and invest the rest the following day The real question is in w...
by sometimesinvestor
Thu Mar 09, 2017 7:58 pm
Forum: Investing - Theory, News & General
Topic: Buffett’s bets: how dumb are hedge fund managers?
Replies: 50
Views: 5085

Re: Buffett’s bets: how dumb are hedge fund managers?

Sorry but most of the comments in this thread with the exception of Nispirus and Wolf are wrong or just irrelevant. THe bet was on whether Buffets opponent could pick at least 5 hedge funds (I believe 5 was the number picked) and outperform the index My guess is that the hedge fund managers were awa...
by sometimesinvestor
Thu Mar 09, 2017 1:37 pm
Forum: Investing - Help with Personal Investments
Topic: FI, early retirement at 40, how to get relevant tax advice?
Replies: 46
Views: 6252

Re: FI, early retirement at 40, how to get relevant tax advice?

I am not really knowledgeable in this area but suspect selling a 700k home and buying a 400k home seems likely to generate significant capital gains taxes, Have you checked on that impact?
by sometimesinvestor
Thu Mar 09, 2017 8:57 am
Forum: Investing - Help with Personal Investments
Topic: New investor with an inherited IRA and income on the rise...help me out!
Replies: 28
Views: 2306

Re: New investor with an inherited IRA and income on the rise...help me out!

Sorry for your loss I think from later posts you are aware that you have to take money out of the account each year with the amount based on life expectancy but what is not clear (I skipped posts) is whether you have taken out enough money in the immediate years that you do not fall into the trap of...
by sometimesinvestor
Mon Mar 06, 2017 6:50 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with lump sum? First time poster.
Replies: 10
Views: 1206

Re: What to do with lump sum? First time poster.

I like all the suggestions though you should be aware that i bonds don't work if you need current income as they dont provide any
'
'You also might consider this approach over the next year or two
'
'https://www.bogleheads.org/wiki/Value_averaging
'
by sometimesinvestor
Mon Mar 06, 2017 6:33 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited a pension; where is the best place to put it?
Replies: 3
Views: 487

Re: Inherited a pension; where is the best place to put it?

Sorry for your loss. 'Wait a few weeks after the Fed raises interest rates in march .Then check out 5-7 year CDs at internet banks like Ally synchrony discover etc . Several of them offer these Longer term CDs with only 6 month interest penalties and you will probably find after you do the arithmeti...
by sometimesinvestor
Sat Mar 04, 2017 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: investing in friends real estate business - pros and cons
Replies: 28
Views: 2517

Re: investing in friends real estate business - pros and cons

I am more or less with the other posters but would put it differently . Decide how much you could lose such that person would still be your friend For me that would be about 5k /
by sometimesinvestor
Wed Mar 01, 2017 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: Ibonds
Replies: 12
Views: 1978

Re: Ibonds

whodidntante wrote:Buy in May because of a possible increase in the fixed portion of the rate. It is currently 0%.

Somewhere about april 15 the 6 month inflation rate is known It will probably be mentioned on this site. At that point you can buy before or after May 1.
by sometimesinvestor
Wed Mar 01, 2017 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: issues with trusting CFP advice, our portfolio, and bond fund
Replies: 20
Views: 2174

Re: issues with trusting CFP advice, our portfolio, and bond fund

I am slightly puzzled as this website m says the G fund made about 2% last year.I actually didn't think one could lose money in most scenarios.Obviously your advisor could have put you in bond funds that did better(floating rate and high yield for example) but we don 't know that he would have and t...
by sometimesinvestor
Sat Feb 25, 2017 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: Young Investor needs help with Vanguard Roth IRA options
Replies: 30
Views: 2606

Re: Young Investor needs help with Vanguard Roth IRA options

Goo advice by the knowledgeable retiredjg.(after visiting the site for awhile you learn whose advice is particularly useful).Building on his comment I suggest the 2020 or 2025 fund while maintaining your Total Stock market. You won't be very right or very wrong with that advice.
by sometimesinvestor
Sat Feb 25, 2017 10:16 am
Forum: Investing - Help with Personal Investments
Topic: Early Soc Sec or spend down investments/assets?
Replies: 28
Views: 3156

Re: Early Soc Sec or spend down investments/assets?

I did not notice this point in the responses but your healthi s important ,Generally you have to live to somewhere between 78 and 80 before gaining more by postponing . These days most do and your wife is likely to but you should consider this.
by sometimesinvestor
Sat Feb 25, 2017 10:02 am
Forum: Investing - Help with Personal Investments
Topic: Can you critique my plan?
Replies: 2
Views: 330

Re: Can you critique my plan?

Your plan is slightly conservative but sensible so If you are comfortable stick with it. As to the decision on tax exempt bonds I suggest you do nothing at the moment except possibly take the dividends in cash and use it for i bonds or other inflation hedges. As to getting out of the tax exempts you...
by sometimesinvestor
Sat Feb 25, 2017 9:49 am
Forum: Investing - Help with Personal Investments
Topic: Why not more Consumer Staples in Portfolio?
Replies: 9
Views: 709

Re: Why not more Consumer Staples in Portfolio?

In recent years people have purchased these stocks for the dividend and they are also widely held in low volatility ETFs As a result these stocks are sort of overpriced in that they generally have a high Peg ratio (PE higher than growth rate) so you are bucking the odds a bit .THese stocks underperf...
by sometimesinvestor
Thu Feb 23, 2017 12:24 pm
Forum: Investing - Help with Personal Investments
Topic: trading foreign based firms
Replies: 2
Views: 281

Re: trading foreign based firms

Issues arise if the company is not listed on a usa stock exchange. I few years ago when I tried to buy Nestle Merrill Lynch wanted me to fill out na form saying I knew the risks. Being lazy I just purchased Hershey
by sometimesinvestor
Tue Feb 21, 2017 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: Is 60/40 too conservative for 31 year old?
Replies: 69
Views: 7920

Re: Is 60/40 too conservative for 31 year old?

Currently the Bull Market is the second longest on record.IN the light of that fact prudence is unlikely to be a bad choice so make your wife happy . If stocks fall 20% you can always reconsider
by sometimesinvestor
Tue Feb 21, 2017 4:03 pm
Forum: Investing - Help with Personal Investments
Topic: Deferred Comp plan
Replies: 2
Views: 359

Re: Deferred Comp plan

She needs earned income to contribute to an IRA but if she worked in 2016 she has till april 15 .As to whether she should switch to an IRA for other reasons we don't have enough info as we don't know what options she has in the 457.As is well known by submissions to this board some 457's are excelle...
by sometimesinvestor
Sun Feb 19, 2017 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Deferred compensation plan default risk
Replies: 20
Views: 1943

Re: Deferred compensation plan default risk

I think an issue is how hard it is to roll your money into another investment Lehman may have happened quickly but you probably had years to get out of Kodak and perhaps Chrysler
by sometimesinvestor
Sun Feb 19, 2017 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard is working to improve service
Replies: 7
Views: 1017

Vanguard is working to improve service

Problem s are to some extent associated with the influx of money. Comparisons with other fund families regarding service often are not to Vanguard 's benefit but the company appears to be aware of the problem,

http://www.investmentnews.com/article/2 ... e=printart
by sometimesinvestor
Sun Feb 19, 2017 12:09 pm
Forum: Investing - Theory, News & General
Topic: I think some criticisim of active management is wrong.
Replies: 22
Views: 2505

I think some criticisim of active management is wrong.

As an example in the thread on American funds a commenter indicated that an international fund outperformed because it used a large share of us funds and the fund was criticised for using the wrong benchmark. I do not want my active manager fishing in poisoned waters . If for example my large cap ma...
by sometimesinvestor
Sun Feb 19, 2017 11:19 am
Forum: Investing - Help with Personal Investments
Topic: Liquidating 401K to consolidate - should I stay in CASH
Replies: 7
Views: 633

Re: Liquidating 401K to consolidate - should I stay in CASH

If you are nervous and obviously you might or might not prove correct how about keeping it simple with lets say a 2025 or 2020 target date fund?
by sometimesinvestor
Fri Feb 10, 2017 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: RMD Question
Replies: 11
Views: 1450

Re: RMD Question

You have received good and accurate advice but it is quite rare that waiting to the following april is a good idea and you should definitely do the calculations rather than just guess.i