Search found 1053 matches

by whaleknives
Sat Apr 22, 2017 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: What is the difference between downloaded and online tax software?
Replies: 16
Views: 804

Re: What is the difference between downloaded and online tax software?

. . . My question would still be, does the online version necessarily have these deficiencies, or did my brief look just fail to uncover the access to the forms and the full functionality of the downloaded version? Do they open up forms/functionality for a paid online version? What about the "...
by whaleknives
Sat Apr 22, 2017 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: What is the difference between downloaded and online tax software?
Replies: 16
Views: 804

Re: What is the difference between downloaded and online tax software?

. . . I've been using downloaded TaxACT for several years (though this discussion is for all brands), but think I will switch to the "Free File" version which I understand(?) is online. Will I be disappointed in this version, (e.g. is it more restricted in capabilities), or is it basicall...
by whaleknives
Sat Apr 22, 2017 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: What is the difference between downloaded and online tax software?
Replies: 16
Views: 804

Re: What is the difference between downloaded and online tax software?

I have used online TaxAct and TurboTax, download TurboTax and H&R Block, and trials of the online Free File Fillable Forms, since I haven't yet qualified for Free File Software. With online commercial software, you typically don't pay until you file. This means you can't see your actual tax form...
by whaleknives
Thu Apr 20, 2017 5:49 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me understand my Xray morningstar box
Replies: 8
Views: 431

Re: Please help me understand my Xray morningstar box

Take a look at these portfolios for Approximating total stock market. If you used VINIX 69%, VMCIX 3%, and VSGIX 13% for the 85% stock in your portfolio, you would come closer to Total Stock, if that's what you want.
by whaleknives
Thu Apr 20, 2017 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me understand my Xray morningstar box
Replies: 8
Views: 431

Re: Please help me understand my Xray morningstar box

So I've done some reading about utilizing this xray Morningstar box, and I recall seeing the "preferred box" somewhere online, but now I can't find it. I think my numbers now mostly reflect what I was trying to copy. I'm wondering if these are "good" numbers to have and if I sho...
by whaleknives
Tue Apr 18, 2017 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: Exchanging the S&P 500 for the TSM
Replies: 16
Views: 1893

Re: Exchanging the S&P 500 for the TSM

Total Stock is 2.9% higher than the S&P 500 fund over the last 10 years. . . . . . I don't see how you get 2.9%. I calculate it at (20,147.30/19,583.46)^(1/10) - 1 = 0.28%/year. . . My calculation was simple also: $10,000 growth over 10 years, or (20,147.30-19,583.46)/19,583.46= .0288, or 2.9%....
by whaleknives
Tue Apr 18, 2017 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: Exchanging the S&P 500 for the TSM
Replies: 16
Views: 1893

Re: Exchanging the S&P 500 for the TSM

Total Stock is 2.9% higher than the S&P 500 fund over the last 10 years.

Image
by whaleknives
Fri Apr 14, 2017 10:54 am
Forum: Investing - Theory, News & General
Topic: Is Bogle's investment style too aggressive?
Replies: 13
Views: 2542

Re: Is Bogle's investment style too aggressive?

If I'm thinking about my bonds and the crash of 2008-2009, I'm much happier thinking of this comparison (blue: total bond, orange: total stock) :)

Image
by whaleknives
Tue Apr 11, 2017 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: SS question
Replies: 9
Views: 690

Re: SS question

There are detailed instructions and some screenshots for the SSA Retirement Estimator in the Wiki; it's the next best thing to AnyPIA. Read footnote 3 for instruction on running new estimates with a different average (or zero) future income. Remember, "the age you plan to stop working" is ...
by whaleknives
Tue Apr 11, 2017 5:40 pm
Forum: Investing - Help with Personal Investments
Topic: 36yo looking for feedback
Replies: 25
Views: 3569

Re: 36yo looking for feedback

. . . Treating all accounts as a single portfolio actually increases flexibility. You can choose the best funds in each account, and increase tax efficiency by avoiding bonds in taxable accounts. You can rebalance between stocks-bonds, and domestic-international stocks, without holding all funds in...
by whaleknives
Tue Apr 11, 2017 9:21 am
Forum: Investing - Help with Personal Investments
Topic: 36yo looking for feedback
Replies: 25
Views: 3569

Re: 36yo looking for feedback

⋅  Always look at your whole portfolio rather than what you happen to hold in each account. G fund and Total Bond serve similar purposes and both are suitable holdings in tax advantaged accounts. Use the best funds available to achieve your target AA across the whole portfolio. This is so...
by whaleknives
Mon Apr 10, 2017 10:51 pm
Forum: Investing - Help with Personal Investments
Topic: Requesting Help with 401(k) Selections.
Replies: 7
Views: 426

Re: Requesting Help with 401(k) Selections.

Without a ticker, I can't easily compare the Vanguard 2055 and State Street 2050 fund performance on Morningstar . Not sure if this helps but I saw that the benchmark for the State Street 2050 fund is listed as: Morningstar Lifetime Moderate 2050. That's a Morningstar index, but it won't plot again...
by whaleknives
Mon Apr 10, 2017 9:16 pm
Forum: Investing - Help with Personal Investments
Topic: Requesting Help with 401(k) Selections.
Replies: 7
Views: 426

Re: Requesting Help with 401(k) Selections.

Since she is comfortable with the Vanguard Target Retirement 2055 for her Roth, I thought maybe she would prefer the State Street Target Retirement Fund 2050 for her 401(k), rather than building up a total stock market portfolio. Unusual for target funds, its ER is similar to the S&P 500/Mid/Sma...
by whaleknives
Mon Apr 10, 2017 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Long-term budgeting for health insurance premiums: Percentage increase?
Replies: 3
Views: 314

Re: Long-term budgeting for health insurance premiums: Percentage increase?

I guess the next few years will give us a better idea. In the meantime, did you see this recent nugget on medical spending: "In 2017 it was reported that “Average spending among people who are 64 years old is about 4.8 times as high as average spending among people who are 21 years old,” accord...
by whaleknives
Sun Apr 09, 2017 10:21 pm
Forum: Investing - Theory, News & General
Topic: Death of retail/malls to affect REITs?
Replies: 69
Views: 6310

Re: Death of retail/malls to affect REITs?

Or maybe REIT gains will increase, as malls convert to trendy strip shopping hubs.

Image
by whaleknives
Sun Apr 09, 2017 8:42 pm
Forum: Investing - Theory, News & General
Topic: 3 legs
Replies: 10
Views: 1504

Re: 3 legs

dharrythomas wrote:If you're considering #2, why not just go with Balanced Index? Same assets, one fund.

Lower ER's and adjustable stock/bond ratios.
by whaleknives
Sun Apr 09, 2017 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA Rules Question
Replies: 11
Views: 455

Re: Roth IRA Rules Question

The IRS says "IF you have taxable compensation and your filing status is married filing jointly AND your modified AGI is $194,000 or more THEN you cannot contribute to a Roth IRA . ( IRS Pub 590-A ) Since Fidelity does not do your taxes, I expect the issue would be raised by the IRS when they s...
by whaleknives
Sun Apr 09, 2017 8:43 am
Forum: Investing - Theory, News & General
Topic: Lies, Damn Lies and Financial Statistics by Coy
Replies: 11
Views: 1874

Re: Lies, Damn Lies and Financial Statistics by Coy

A nice reminder of the limits of backtesting in general, and the perniciousness of overfitting in particular. I wonder, though, if this problem with ETF's wasn't more behavioral: the ease of trading and the failure to buy and hold: "Vanguard, the big investment manager, calculated in 2012 that ...
by whaleknives
Sun Apr 09, 2017 8:10 am
Forum: Investing - Help with Personal Investments
Topic: Understanding "Balances and Holdings"
Replies: 6
Views: 602

Re: Understanding "Balances and Holdings"

I though of another question: what do your totals show? Do you have twice as much as you think you should?
by whaleknives
Sat Apr 08, 2017 7:20 pm
Forum: Investing - Help with Personal Investments
Topic: Understanding "Balances and Holdings"
Replies: 6
Views: 602

Re: Understanding "Balances and Holdings"

. . . I am trying to understand my Balances and holdings page. In my nonretirement brokerage account I have my funds, but some funds show up twice. For example: Vanguard California Municipal Money Market Fund (Cash) Vanguard California Municipal Money Market Fund What's the difference between the t...
by whaleknives
Sat Apr 08, 2017 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security MFB for Couple w High/Low Earnings
Replies: 4
Views: 523

Re: Social Security MFB for Couple w High/Low Earnings

I believe the spousal benefit is based on your FRA amount. It does not increase if you delay claiming. So in your example, the spousal amount stays $1,350 regardless of when you claim. Yes, here's some info on that: Retirement Planner: Benefits For You As A Spouse Note: Your benefits as a spouse do...
by whaleknives
Sat Apr 08, 2017 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security MFB for Couple w High/Low Earnings
Replies: 4
Views: 523

Re: Social Security MFB for Couple w High/Low Earnings

I remember looking into the Maximum Family Benefit (MFB) when first running the SSA Detailed Calculator (AnyPIA) , since it is one of the outputs. I don't think it will apply at all to a couple with two earnings records, or to a couple with one person taking a higher benefit on a spouse's record. Th...
by whaleknives
Sat Apr 08, 2017 5:06 pm
Forum: Investing - Help with Personal Investments
Topic: 36yo looking for feedback
Replies: 25
Views: 3569

Re: 36yo looking for feedback

. . . Whaleknives, Thanks for pointing that out, have updated with my current asset allocation. I have played with firecalc and I either run out of money in 15 minutes or die with 41 million dollars. Kidding aside, that is part of the reason I have started tracking spending, so that I can get bette...
by whaleknives
Sat Apr 08, 2017 4:59 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard account - total capital gain in %
Replies: 21
Views: 1093

Re: Vanguard account - total capital gain in %

This is my personal return for all Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) since inception. The date range shows 08/01/2009 - 04/07/2017, but the return asterisk tells you "*Rate of return as of 03/31/2017". http://i.imgur.com/bjqtBk9.png Here's what's flaky. I did v...
by whaleknives
Sat Apr 08, 2017 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard account - total capital gain in %
Replies: 21
Views: 1093

Re: Vanguard account - total capital gain in %

Vanguard has records of all their customers' transactions, and they do calculate a personal rate of return. Why do you think they can't? Probably because I'm on the old platform because my situation doesn't allow me to upgrade (and I don't want to upgrade). What I see under Account Overview > Perso...
by whaleknives
Sat Apr 08, 2017 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard account - total capital gain in %
Replies: 21
Views: 1093

Re: Vanguard account - total capital gain in %

How do you expect Vanguard to calculate percentage gains when you add or withdraw money at various times? What if you re-invest dividends vs do something else with them?Unless you put in a lump sum on one day and never touch it, can YOU calculate your percentage gain? I can't. Vanguard has records ...
by whaleknives
Sat Apr 08, 2017 3:19 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard account - total capital gain in %
Replies: 21
Views: 1093

Re: Vanguard account - total capital gain in %

You should be able to see "Rate of return" on the Personal Performance page. This may or may not be what you want. It's not available for individual holdings, as far as I can tell. You can see personal rate of return for individual funds on the Personal performance page using View: Holdin...
by whaleknives
Sat Apr 08, 2017 3:14 pm
Forum: Investing - Help with Personal Investments
Topic: 36yo looking for feedback
Replies: 25
Views: 3569

Re: 36yo looking for feedback

1. You should treat all your accounts as one portfolio. Although you say you are "Not sure" about your desired asset allocation, you have a current one - what is it (Domestic stock %/International stock %/Bonds %)? Your readers should not have to do the math. 2. Have you looked at annual s...
by whaleknives
Sat Apr 08, 2017 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard account - total capital gain in %
Replies: 21
Views: 1093

Re: Vanguard account - total capital gain in %

Ahh...very weird. Mine doesn't show the "Rate of return" at all. Maybe because I've held these funds for only 1-2 months I guess... Vanguard is funny that way. After 10 years they change from "Since inception" to "10 years" max. I guess it's what Vanguard thinks you ne...
by whaleknives
Sat Apr 08, 2017 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard account - total capital gain in %
Replies: 21
Views: 1093

Re: Vanguard account - total capital gain in %

BobbyJoe wrote:Ahh...very weird. Mine doesn't show the "Rate of return" at all.
Maybe because I've held these funds for only 1-2 months I guess...

Vanguard is funny that way. After 10 years they change from "Since inception" to "10 years" max.
by whaleknives
Sat Apr 08, 2017 11:05 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard account - total capital gain in %
Replies: 21
Views: 1093

Re: Vanguard account - total capital gain in %

This is my personal return for all Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) since inception. The date range shows
08/01/2009 - 04/07/2017, but the return asterisk tells you "*Rate of return as of 03/31/2017".

Image
by whaleknives
Sat Apr 08, 2017 10:39 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard account - total capital gain in %
Replies: 21
Views: 1093

Re: Vanguard account - total capital gain in %

The option under "Investment prices and returns" doesn't show *my* returns, it shows the funds' returns. And under "Personal performance" I see the returns only in $ amounts... not by %. What's the longest you've held any fund? I don't know when Vanguard starts showing returns &...
by whaleknives
Sat Apr 08, 2017 10:31 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard account - total capital gain in %
Replies: 21
Views: 1093

Re: Vanguard account - total capital gain in %

You should be able to see "Rate of return" on the Personal Performance page. This may or may not be what you want. It's not available for individual holdings, as far as I can tell. You can see personal rate of return for individual funds on the Personal performance page using View: Holdin...
by whaleknives
Fri Apr 07, 2017 9:34 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard account - total capital gain in %
Replies: 21
Views: 1093

Re: Vanguard account - total capital gain in %

Is it just me or there's no place in Vanguard's account to see the total capital gain / total distribution gain / both together for the entire portfolio and each of the investments in % ? I can only see these amounts in $ ... This is available: Log on to <Account overview>, click <Personal performa...
by whaleknives
Fri Apr 07, 2017 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Transferring Retirement Accounts - Problems?
Replies: 11
Views: 768

Re: Transferring Retirement Accounts - Problems?

SoDakJeff wrote:. . . I had a feeling there were ways I could mess this up if I wasn't careful.

Not just you, but everyone else as well.
by whaleknives
Fri Apr 07, 2017 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Transferring Retirement Accounts - Problems?
Replies: 11
Views: 768

Re: Transferring Retirement Accounts - Problems?

Get the Vanguard "Concierge" involved in this. Have them pull the accounts from where they live rather than initiate anything with the current custodians . . . Empower (Great-West Retirement) refused to transfer my 401(k) to Vanguard without my Great-West transfer form, which I had sent t...
by whaleknives
Fri Apr 07, 2017 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Transferring Retirement Accounts - Problems?
Replies: 11
Views: 768

Re: Transferring Retirement Accounts - Problems?

⋅ Unfortunately, it's probably safest to transfer individual accounts, one at a time, to minimize opportunities for confusion and mix-ups. Others will tell you they successfully did it all at once, but they were only lucky. ⋅ Talk to customer service at both firms involved, and ...
by whaleknives
Tue Apr 04, 2017 2:38 pm
Forum: Investing - Theory, News & General
Topic: 3 legs
Replies: 10
Views: 1504

Re: 3 legs

Set 2 or 3, to allow easy changes to your stock/bond mix and avoid duplication of stock holdings.

Total Bond vs Intermediate Bond is another argument altogether.
by whaleknives
Mon Apr 03, 2017 3:20 pm
Forum: Investing - Help with Personal Investments
Topic: Invest in increments or at once?
Replies: 4
Views: 345

Re: Invest in increments or at once?

Whenever I had a lump sum to invest, I'd try dollar cost averaging over time, get impatient after a few months, and then invest the whole lump sum. Either way, you can be comfortable knowing you're following Boglehead recommendations.
by whaleknives
Mon Apr 03, 2017 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Retirement vs Total Stock Market
Replies: 13
Views: 1903

Re: Vanguard Target Retirement vs Total Stock Market

See Asking Portfolio Questions in retiredjg's signature to provide Zuma's whole picture.
by whaleknives
Mon Apr 03, 2017 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: How do you estimate future income needs?
Replies: 17
Views: 1064

Re: How do you estimate future income needs?

Tracking your current expenses will allow you to answer two retirement questions: (1) retirement spending and (2) how long your investment savings will last. Your estimates will improve with practice and over time, as you learn what your major items are and what changes to make in retirement. Depend...
by whaleknives
Sun Apr 02, 2017 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard funds for taxable account?
Replies: 6
Views: 662

Re: Vanguard funds for taxable account?

Total stock would be better than Wellesley or Balanced in taxable, since bonds are less tax-efficient.
by whaleknives
Sun Apr 02, 2017 12:23 pm
Forum: Personal Consumer Issues
Topic: Advice on Long-term Health Care Insurance
Replies: 15
Views: 1437

Re: Advice on Long-term Health Care Insurance

. . . Based on this experience I would never buy long term health insurance. Here's another reason: Policyholders in Limbo After Rare Failure of Insurer , NY Times, 4/1/17. And while insurer failure might be rare, the market has gotten smaller: "In the past five years, 10 of the top 20 insurer...
by whaleknives
Thu Mar 30, 2017 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: Can Vanguard roll a pention plan to Roth IRA directly?
Replies: 18
Views: 1129

Re: Can Vanguard roll a pention plan to Roth IRA directly?

:oops: If Vanguard is going to refuse, they should update their website. I tried notifying Vanguard of the contradiction between website and customer rep info, but it didn't get any response: "Re: Roth IRA Roll Over Thank you for taking the time to contact us. We are unable to directly access ...
by whaleknives
Wed Mar 29, 2017 10:03 pm
Forum: Personal Consumer Issues
Topic: Boglehead and iphone
Replies: 23
Views: 2122

Re: Boglehead and iphone

Almost there wrote:My phone looks differently and I took a picture of it. How do I add the picture? Which button do I choose?

You can't post an image unless it's already on the web, as discussed in Posting images in the Bogleheads forum. I think your best bet is to discuss the problem with a Verizon tech in person.
by whaleknives
Wed Mar 29, 2017 9:20 pm
Forum: Personal Consumer Issues
Topic: Boglehead and iphone
Replies: 23
Views: 2122

Re: Boglehead and iphone

I clicked on the website you had posted and it told me to click on safari and private. When I click on Safari, I see icons for Apple, Google and Yahoo. Now what? On your iPhone, open Safari, then tap the Tabs icon <far right bottom icon to view all Safari sites that are open>. If Private Browsing i...
by whaleknives
Wed Mar 29, 2017 8:30 pm
Forum: Personal Consumer Issues
Topic: Boglehead and iphone
Replies: 23
Views: 2122

Re: Boglehead and iphone

I clicked on the website you had posted and it told me to click on safari and private. When I click on Safari, I see icons for Apple, Google and Yahoo. Now what? On your iPhone, open Safari, then tap the Tabs icon <far right bottom icon to view all Safari sites that are open>. If Private Browsing i...
by whaleknives
Wed Mar 29, 2017 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: When do you plan to die?
Replies: 143
Views: 7960

Re: When do you plan to die?

It's low on my to-do list.

I've used 30 years in FIRECalc since 63, so 93 is my minimum. 8-)
I actually had one grandfather who lived until then, but most of my forbears haven't.
by whaleknives
Wed Mar 29, 2017 6:42 pm
Forum: Personal Consumer Issues
Topic: Boglehead and iphone
Replies: 23
Views: 2122

Re: Boglehead and iphone

What are your security settings to lock your iPhone? Are you just seeing an email notification on your lock screen? If you have to sign in to your iPhone to read an email message, then it sounds like an iPhone setting.

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