Search found 74 matches

by workerbeeengineer
Tue Mar 06, 2018 8:01 am
Forum: Investing - Theory, News & General
Topic: Reuters-" Special Report: Fidelity puts 6 million savers on risky path to retirement"
Replies: 48
Views: 6657

Re: Reuters-" Special Report: Fidelity puts 6 million savers on risky path to retirement"

Katietsu, Any thoughts as to a remedy for these uninformed investors? Each of us is responsible for our own 'path to retirement,' not one brokerage house, no matter how they structure their funds. I do not want to comment on whether or not this should be true in principle. But in practice, the numbe...
by workerbeeengineer
Sat Mar 03, 2018 9:41 am
Forum: Investing - Help with Personal Investments
Topic: Retirement Plan - Betterment -> Vanguard
Replies: 2
Views: 568

Re: Retirement Plan - Betterment -> Vanguard

mrplee4, as TwstdSista warns, you will need to cover the taxes withheld out of pocket. Even if it all washes out in next year's taxes, why do it? Suggest you consider setting up a rollover IRA with Vanguard first and request they handle the paperwork for a direct rollover. Additional Roth IRA makes ...
by workerbeeengineer
Sat Mar 03, 2018 9:26 am
Forum: Investing - Help with Personal Investments
Topic: notice that fidelity password blocked
Replies: 18
Views: 1260

Re: notice that fidelity password blocked

Fidelity blocked my password one time (year or two ago). Turned out to be a hacker who was trying to get into workplace accounts associated with my employer. I also received a call from my employer notifying me what was going on. Fidelity Security indicated this person was high up on their "most wan...
by workerbeeengineer
Sun Feb 25, 2018 10:58 pm
Forum: Investing - Theory, News & General
Topic: What books changed your outlook on how you should invest?
Replies: 54
Views: 4433

Re: What books changed your outlook on how you should invest?

Probably all mentioned already: Don't Count on It! (Saint Jack) Winning the Losers Game (Ellis) Random Walk Down Wall Street (Malkiel) Living Off Your Money (McClung) The Millionaire Next Door (Stanley & Danko) Unconventional Success (Swenson) Smart Couples Finish Rich (Bach) Get What's Yours (Revis...
by workerbeeengineer
Sat Feb 24, 2018 11:05 am
Forum: Investing - Theory, News & General
Topic: Fidelity International Index Funds
Replies: 3
Views: 590

Fidelity International Index Funds

Fellow BHs: I am comparing among Fidelity International Index Funds as part of planning for eventual rollover IRA. Also certainly planning on US domestic index fund(s) as part of asset allocation, but focusing on non-US portion of equity portfolio here. I take note of two Fidelity index funds that s...
by workerbeeengineer
Wed Feb 07, 2018 12:32 am
Forum: Investing - Theory, News & General
Topic: Inverse VIX ETN down 80% after hours
Replies: 42
Views: 5420

Re: Inverse VIX ETN down 80% after hours

Sorry for asking a dumb question, but will do so anyway...I kind of get it that those who purchased the Inverse VIX made money as long as the stock market was non-volatile. My question is - who was on the losing side of that trade the last year or so when in fact the market was pretty placid? Did we...
by workerbeeengineer
Mon Jan 15, 2018 11:37 pm
Forum: Investing - Theory, News & General
Topic: Investment Grade (barely)
Replies: 9
Views: 1235

Re: Investment Grade (barely)

I think you need to be careful when you say that this Fidelity has 17.9% in Illinois municipal bonds as if all Illinois muni bonds are the same. Now I don't know exactly what this fund holds since I only have Vanguard funds, but Vanguard funds have a whole host of issuers in every state including I...
by workerbeeengineer
Sun Jan 14, 2018 4:11 pm
Forum: Investing - Theory, News & General
Topic: Investment Grade (barely)
Replies: 9
Views: 1235

Investment Grade (barely)

Fellow BHs...I was doing a little general research on municipal bonds and funds. Observed that Fidelity offers a Fed Tax-free bond fund (FTABX). Indicated strategy is at least 80% in investment grade municipal securities. Here's what I find interesting - as of Dec 31 the largest state for holdings i...
by workerbeeengineer
Thu Jan 11, 2018 11:26 pm
Forum: Investing - Help with Personal Investments
Topic: Treasury Direct "Entity" Account
Replies: 3
Views: 415

Re: Treasury Direct "Entity" Account

Thanks, donall and HueyLD for the responses.
by workerbeeengineer
Thu Jan 11, 2018 6:48 am
Forum: Investing - Help with Personal Investments
Topic: Treasury Direct "Entity" Account
Replies: 3
Views: 415

Treasury Direct "Entity" Account

Wife and I are considering I Bonds as part of the fixed income portion of our portfolio. We understand the $10k purchase limit per year per individual (or per social security number). Question here is: if we want to have ownership be within our Living Trust, can we still purchase a total of $20k per...
by workerbeeengineer
Tue Jan 09, 2018 8:41 am
Forum: Investing - Theory, News & General
Topic: Value of ESG?
Replies: 11
Views: 835

Re: Value of ESG?

I would wonder objectively where Silicon Valley fits using an ESG scale? The high tech companies seem to like to portray themselves as all ESG-like, but they also end up in the news sometimes for bad behavior (just like most industries :? ). I agree causation is difficult to determine (chicken or eg...
by workerbeeengineer
Tue Jan 09, 2018 12:21 am
Forum: Investing - Theory, News & General
Topic: Value of ESG?
Replies: 11
Views: 835

Value of ESG?

Just read today that Arconic is freezing their pension plan. Some here have experienced that as well. It got me thinking about the morale of the employees - it can't be good after that announcement. My understanding of ESG funds/ ESG investing theory is that good treatment of employees has some posi...
by workerbeeengineer
Sat Jan 06, 2018 5:22 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking advice on setting up retirement cash flow
Replies: 22
Views: 2041

Re: Seeking advice on setting up retirement cash flow

Reading Pfau's book is on my to do list. Best of luck to you in 2018.
by workerbeeengineer
Sat Jan 06, 2018 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking advice on setting up retirement cash flow
Replies: 22
Views: 2041

Re: Seeking advice on setting up retirement cash flow

DD, sorry for your situation. I am basically same age and somewhat worried about same thing happening to myself. You appear to be in pretty decent fiscal shape and lots of good advice already given by fellow BHs. My only additional advice, if not already given, is to read all or the key chapters of ...
by workerbeeengineer
Wed Jan 03, 2018 11:13 pm
Forum: Investing - Theory, News & General
Topic: Did everyone in the early 80s have their money in CDs?
Replies: 77
Views: 6662

Re: Did everyone in the early 80s have their money in CDs?

First investment out of college was actually purchase of a vacation type house on a lake in 1984. I could only qualify for a 15 year variable rate loan that started as I recall at 13% interest rate! So the flip side to high rates being paid to those who opened CDs (aka the "lenders") was that the ba...
by workerbeeengineer
Sun Dec 31, 2017 7:02 pm
Forum: Investing - Help with Personal Investments
Topic: New Year portfolio adjustments
Replies: 2
Views: 513

Re: New Year portfolio adjustments

steelsun, first just to confirm: you indicate a desired asset allocation of 40% stocks/ 40% bonds. Then indicate international allocation of 20% of stocks. So the 40% is US stocks, right? Overall you desire 60% stocks/ 40% bonds, right? While I am not familiar with some of the funds you are thinking...
by workerbeeengineer
Sun Dec 31, 2017 6:24 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on my asset allocation plan (I am new)
Replies: 3
Views: 359

Re: Thoughts on my asset allocation plan (I am new)

namocet, overall you appear to have 80% equities/20% bonds asset allocation (I'm counting the REIT fund as equities). Seems reasonable. Low Vanguard ERs, so check that box. Others here will have more sage advice I'm sure :beer
by workerbeeengineer
Sat Dec 30, 2017 2:57 pm
Forum: Investing - Theory, News & General
Topic: ATTENTION: Vanguard 529s? - Better Check Your Balance(s)
Replies: 44
Views: 3097

Re: ATTENTION: Vanguard 529s? - Better Check Your Balance(s)

well yes, balances appear to be restored- that's a relief. However, I see no indication of any acknowledgment on the Vanguard site that there was a problem. While this issue was resolved quickly, it has left me more than a bit concerned. Perhaps the emphasis on ever lowering costs is now becoming co...
by workerbeeengineer
Sat Dec 30, 2017 10:16 am
Forum: Investing - Theory, News & General
Topic: ATTENTION: Vanguard 529s? - Better Check Your Balance(s)
Replies: 44
Views: 3097

Re: ATTENTION: Vanguard 529s? - Better Check Your Balance(s)

keystone, I suspect a lot of BHs (myself included) are busy updating their spreadsheet as soon as the calendar year closes from the business/ investments point of view. I am going on faith at this point that Vanguard will fix this (hopefully) IT blunder. So I'll record the proper 529 balance in my s...
by workerbeeengineer
Sat Dec 30, 2017 9:41 am
Forum: Investing - Theory, News & General
Topic: ATTENTION: Vanguard 529s? - Better Check Your Balance(s)
Replies: 44
Views: 3097

Re: ATTENTION: Vanguard 529s? - Better Check Your Balance(s)

Vanguard website has a contact number of 800-291-3056 for the 529 plan. Indicates however only Monday through Friday, 8AM-9PM Eastern. With New Years Day on Monday, I doubt the phone will be answered until Tuesday.
by workerbeeengineer
Sat Dec 30, 2017 9:22 am
Forum: Investing - Theory, News & General
Topic: ATTENTION: Vanguard 529s? - Better Check Your Balance(s)
Replies: 44
Views: 3097

Re: ATTENTION: Vanguard 529s? - Better Check Your Balance(s)

Same here. Our child's 529 plan shows $0 current balance. Balances over time view is still showing correct amount. Vanguard better fix this fast!
by workerbeeengineer
Sat Dec 30, 2017 12:03 am
Forum: Investing - Help with Personal Investments
Topic: Experience with Vanguard Nevada 529 Plan
Replies: 5
Views: 706

Re: Experience with Vanguard Nevada 529 Plan

I believe USG regulations limit 529 plan holders to only two adjustments in a calendar year ( was once a year up until recently). You can hold multiple portfolios if I understand your question correctly.
by workerbeeengineer
Fri Dec 29, 2017 11:57 pm
Forum: Investing - Help with Personal Investments
Topic: High Yield Bond Fund as part of 529
Replies: 4
Views: 366

Re: High Yield Bond Fund as part of 529

OldSport, you indicate the 529 is in the distribution phase. To me, that means a student currently in college and basically a zero or close to zero time horizon. I know your question is about the bond portion of the 529, but I would point out that the 25% in VG Aggressive Growth is imo a somewhat ri...
by workerbeeengineer
Tue Dec 26, 2017 1:30 pm
Forum: Investing - Theory, News & General
Topic: Implications of tax bill on residential real estate (house prices)
Replies: 62
Views: 6200

Re: Implications of tax bill on residential real estate (house prices)

Zea Mays, can you articulate a bit as to what comprises the "good bargin"?
by workerbeeengineer
Tue Dec 26, 2017 1:24 pm
Forum: Investing - Theory, News & General
Topic: WisdomTree ETF announce late December 2017 distributions
Replies: 3
Views: 422

Re: WisdomTree ETF announce late December 2017 distributions

Livesoft, I have heard of Wisdomtree and have a vague impression that they offer (among other things) index funds that are not capitalization based. Do I have that at all correct? What's the BH view of Wisdom Tree versus Vanguard, Fido,etc?
by workerbeeengineer
Tue Dec 26, 2017 11:32 am
Forum: Investing - Theory, News & General
Topic: Implications of tax bill on residential real estate (house prices)
Replies: 62
Views: 6200

Re: Implications of tax bill on residential real estate (house prices)

Not sure regarding how much house prices will drop, but I do think there will be a measurable impact in the HCOL portions of the coastal states (NY,NJ, Conn, CA). I also think (hope) it might make people in those situations question a bit more what they get for high SALTs.
by workerbeeengineer
Sun Dec 24, 2017 10:09 am
Forum: Investing - Theory, News & General
Topic: What's in a name? "Long Island Iced Tea Corp." changes name to "Long Blockchain Corp.", stock price jumps 500%
Replies: 24
Views: 3679

Re: What's in a name? "Long Island Iced Tea Corp." changes name to "Long Blockchain Corp.", stock price jumps 500%

zaboomafoozarg, while it probably makes most BHs smile & nod their heads that the bitcoin / blockchain madness might be showing signs of rational thought prevailing, I am curious as to reliability of these Hayden@ProudMoolie posts. Could this just be joke on us bitcoin sceptics?
by workerbeeengineer
Sat Dec 23, 2017 10:57 pm
Forum: Investing - Theory, News & General
Topic: Tax bill effects on investments
Replies: 11
Views: 1651

Re: Tax bill effects on investments

I think it is going to take a little while for investors (at least us individual investors versus institutional) to get a grasp on the impacts of the tax bill. I just did a quick & dirty calculation on projected 2018 Fed taxes, assuming same income as 2017. In our case, appears to be basically a was...
by workerbeeengineer
Sun Dec 17, 2017 11:58 am
Forum: Investing - Theory, News & General
Topic: Is anyone putting money aside into Gold?
Replies: 148
Views: 14900

Re: Is anyone putting money aside into Gold?

Livestock, -the old fat finger on golf versus gold. Re zig/ zag - just my very imprecise way of expressing thought of non correlated assets. Hopefully gold ETF would go up if "normal" stocks went down.
by workerbeeengineer
Sun Dec 17, 2017 11:39 am
Forum: Investing - Help with Personal Investments
Topic: Bitcoin futures with Fidelity
Replies: 25
Views: 2799

Re: Bitcoin futures with Fidelity

I am noticing that Bitcoin appears to be trending higher and higher in BH discussions. If even the faithful are taking the time to discuss it, would conclusion should a BH draw?
by workerbeeengineer
Sun Dec 17, 2017 11:30 am
Forum: Investing - Help with Personal Investments
Topic: Should I call the authorities to report a potential ponzi scheme (involving Bitconnect)?
Replies: 34
Views: 4031

Re: Should I call the authorities to report a potential ponzi scheme (involving Bitconnect)?

At most I would comment to the friend that this is all pretty risky. What's a tougher ethical question is giving any advice/ warning to the other friends she has recruited? I'm inclined to say " walk away and don't look back"
by workerbeeengineer
Sun Dec 17, 2017 11:02 am
Forum: Investing - Theory, News & General
Topic: Is anyone putting money aside into Gold?
Replies: 148
Views: 14900

Re: Is anyone putting money aside into Gold?

We have a very modest amount of money in a golf mining companies stock ETF. Probably a waste of capital on our part. Even if it zags when the rest of the portfolio zigs the amount is not enough to be a meaningful hedge. Increasing the amount so as to be meaningful is too risky in our view, so back t...
by workerbeeengineer
Sun Dec 17, 2017 10:47 am
Forum: Investing - Help with Personal Investments
Topic: What 529 plan are you using?
Replies: 20
Views: 2643

Re: What 529 plan are you using?

Our state has no tax benefit for 529 plans so went with Vanguard Nevada plan. Very satisfied.
by workerbeeengineer
Sat Dec 09, 2017 3:16 pm
Forum: Investing - Theory, News & General
Topic: Why Are So Many Companies Announcing Share Buyback?
Replies: 32
Views: 3272

Re: Why Are So Many Companies Announcing Share Buyback?

Trying to keep this thread actionable and unlocked....if buybacks are long term not good for a company, are there any indices, ETFs, or mutual funds that try to screen for those companies that have good records of profitable reinvestment of cash? Would a simple screen just be high ROI?
by workerbeeengineer
Thu Dec 07, 2017 11:12 pm
Forum: Investing - Help with Personal Investments
Topic: Company is being Acquired Please Help with 401k Advice
Replies: 8
Views: 642

Re: Company is being Acquired Please Help with 401k Advice

Agree! But with respect to the decision on what to do with your 401k balance from your soon to be former employer, I really can't identify any advantage in rolling it into the new 401k. As you indicated, the investment choices to be offered are unknown at this point. There is a good chance the new f...
by workerbeeengineer
Thu Dec 07, 2017 10:44 pm
Forum: Investing - Help with Personal Investments
Topic: Company is being Acquired Please Help with 401k Advice
Replies: 8
Views: 642

Re: Company is being Acquired Please Help with 401k Advice

Zaphold, exactly what advantages of a 401k versus rollover IRA are you referring to? You have an opportunity to "cash out" from the current benevolent employer with apparently no downside imo.
by workerbeeengineer
Sat Dec 02, 2017 10:59 pm
Forum: Investing - Help with Personal Investments
Topic: A " Bond Tent" During the "Retirement Red Zone?"
Replies: 59
Views: 6678

Re: A " Bond Tent" During the "Retirement Red Zone?"

Had not really heard of this fellow, but am aware of sequence of returns risk. I'm close to the same time from retirement and have been adjusting my bond/stock mix for the last few years. The fantastic recent performance of equities has made it easier to dial down the equity exposure.
by workerbeeengineer
Sat Dec 02, 2017 10:46 pm
Forum: Investing - Theory, News & General
Topic: S&P 500 vs Vanguard Total World
Replies: 3
Views: 936

S&P 500 vs Vanguard Total World

Was looking on the Vanguard site at Total World Fund. S&P 500 10 year performance appears to have really pulled away since about 2013. Total World Fund composition is about 50% US. I'm likely mixing apples and oranges here, but still wondering if BH's can identify any particular factor or explanatio...
by workerbeeengineer
Thu Nov 30, 2017 8:56 am
Forum: Investing - Theory, News & General
Topic: Which crash have you seen it before it is coming?
Replies: 134
Views: 10876

Re: Which crash have you seen it before it is coming?

Like some others here, I saw that something was completely out of whack with house prices/ home loans prior to the great recession. I could not believe the re-fi offers where one could re-fi and cash out at more than 100% total of appraised value (10 years later I vaguely recall ads on TV for 125% o...
by workerbeeengineer
Thu Nov 23, 2017 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: Need 529 Advice *New to Investing*
Replies: 6
Views: 929

Re: Need 529 Advice *New to Investing*

pkcrafter, can you further explain your comment on use of Vanguard means one does not get tax-free growth? One counter example - Nevada 529 plan is Vanguard, and offers a good selection of individual funds (as well as age based). If you mean that another choice is to NOT use a 529 plan and just inve...
by workerbeeengineer
Tue Nov 21, 2017 10:08 pm
Forum: Investing - Help with Personal Investments
Topic: GE - a good value?
Replies: 113
Views: 11183

Re: GE - a good value?

We have held GE for approximately 15 years. Even with all dividends reinvested we're now down 14%. We will probably (irrationally) hold onto it as my first job out of college for 3 years was with GE (also still have a coffee mug with the GE "meatball" :happy ). I will avoid possibly getting this thr...
by workerbeeengineer
Sun Nov 19, 2017 10:43 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity vs Vanguard for Rollover IRA
Replies: 6
Views: 882

Re: Fidelity vs Vanguard for Rollover IRA

Radiowave, Thanks for the link. Guess I did not research deep enough to see the Fidelity Freedom Funds.
by workerbeeengineer
Sun Nov 19, 2017 11:15 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity vs Vanguard for Rollover IRA
Replies: 6
Views: 882

Fidelity vs Vanguard for Rollover IRA

Fellow Bogleheads, I'm approaching retirement relatively soon and don't want to wait to the last minute to make key decisions. One decision being choice of investment house. DW already has Rollover IRA with Fido, while I currently have 403b with Vanguard. I am leaning towards consolidation at Fideli...
by workerbeeengineer
Wed Oct 11, 2017 11:17 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on Canceling Fidelity Portfolio Advisory Service
Replies: 27
Views: 4737

Re: Advice on Canceling Fidelity Portfolio Advisory Service

22 positions for $80K??? What kind of "advice" are you getting? Drop the advisory service and set up a simple portfolio of 2 or 3 funds. Many examples on this board. Lots of excellent replies here, but will echo BlueRidgePro...22 funds seems excessive and only serves to generate fees and re-enforce...
by workerbeeengineer
Sun Oct 01, 2017 8:29 am
Forum: Investing - Theory, News & General
Topic: Daily Resetting Leveraged ETFs - Understanding the Downsides
Replies: 13
Views: 1504

Re: Daily Resetting Leveraged ETFs - Understanding the Downsides

acanthurus and grabiner, although I have "engineer" in my handle, I certainly can't keep up with the high power math here. Do appreciate it however and even remember some of the terms from my own university days long ago. Also appreciate the pause to buy the bottle of malbec! Slightly more seriously...
by workerbeeengineer
Fri Sep 29, 2017 7:36 pm
Forum: Investing - Help with Personal Investments
Topic: 529 Plan?
Replies: 6
Views: 1273

Re: 529 Plan?

Yes, open the 529. Suggest Vanguard Nevada plan or one of the other Vanguard associated plans. Age based option/ glide path is painless. Certain states do offer tax deductions, but as usual devil is in the details. Since FIL would be providing the $5K, who would get the tax break? I also am under th...
by workerbeeengineer
Fri Sep 29, 2017 7:12 pm
Forum: Investing - Theory, News & General
Topic: Share buybacks vs Dividends
Replies: 102
Views: 5835

Re: Share buybacks vs Dividends

Maybe mentioned in some of the posts,but I'd point out that share buy backs are often used as the source of shares for senior (and perhaps not so senior) management stock options,grants,etc. Although I think we all get the theory of the increased motivation of management when their interests (I.e. t...
by workerbeeengineer
Sun Sep 24, 2017 9:30 am
Forum: Investing - Theory, News & General
Topic: Bond Duration education
Replies: 5
Views: 948

Re: Bond Duration education

Thanks VaR, Grabiner, and #Cruncher for the education. To answer VaR's question - just education...no big bond related decisions looming. Mostly thinking about duration as it applies to bond funds. Grabiner's example scenarios were helpful - thanks again.
by workerbeeengineer
Fri Sep 22, 2017 11:28 pm
Forum: Investing - Theory, News & General
Topic: Bond Duration education
Replies: 5
Views: 948

Bond Duration education

BHs, requesting a little education on bond duration as follows: I think I get the basics...duration is a measure of a bond or bond fund interest rate sensitivity. Where I need education: does the rate of change of prevailing interest rates higher (or lower) have any impact on much a bond will lose (...
by workerbeeengineer
Fri Aug 18, 2017 7:19 pm
Forum: Investing - Help with Personal Investments
Topic: Young Investor - New Job - Help Choosing 401k Portfolio
Replies: 9
Views: 968

Re: Young Investor - New Job - Help Choosing 401k Portfolio

JBTX, agree that we don't know what could happen in the future regarding tax treatments/ tax code. Therefore hedging one's bets between traditional and Roth makes sense. But even given that, would not a young investor want to bias now towards the roth while his or her tax rate is likely lower than f...