Search found 8 matches

by Flanders
Tue Jun 06, 2017 9:56 pm
Forum: Personal Investments
Topic: Invest with ICMA or not... fees/taxes question
Replies: 4
Views: 1928

Re: Invest with ICMA or not... fees/taxes question

It looks like Guided Pathways is a managed account per the fee disclosure document located at your link and I do not think you would need to enroll in it (it's optional). The Vanguard funds' expense ratios would be excellent at .04% without the added asset management fees. The fee disclosure documen...
by Flanders
Thu May 04, 2017 7:00 pm
Forum: Investing - Theory, News & General
Topic: ICMA [International City/County Management Association]
Replies: 10
Views: 1194

Re: ICMA [International City/County Management Association]

Your expensive ratios are much higher than mine also. You should follow sergeant's suggestion to speak with HR if you're unhappy. ICMA has a fee disclosure document. Click on "Access My Accounts". I have a menu along the left side of that web page. "Fee disclosures" is under &quo...
by Flanders
Thu Dec 17, 2015 1:55 pm
Forum: Personal Investments
Topic: Forced retirement advice needed
Replies: 38
Views: 5055

Re: Forced retirement advice needed

Assuming that the $75,000 year does not include income taxes, then you probably need $90,000 to $100,000 in income to maintain your current lifestyle. Let's say $95,000. That leads to a net of $75,000 needed after your pension. If you take no more than the consensus 4% safe withdrawal rate, then yo...
by Flanders
Tue Nov 17, 2015 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Tenant Breaking Appliances to Get Credit
Replies: 17
Views: 3056

Re: Tenant Breaking Appliances to Get Credit

When is his lease up? You need a new tenant!
by Flanders
Tue Nov 10, 2015 1:53 pm
Forum: Personal Investments
Topic: Making most of pension and deferred comp options
Replies: 3
Views: 906

Re: Making most of pension and deferred comp options

I'm curious why you think the other options in your plans are not good options.
by Flanders
Thu Oct 29, 2015 1:10 pm
Forum: Personal Consumer Issues
Topic: Heart pacemaker patient forum
Replies: 3
Views: 884

Re: Heart pacemaker patient forum

Does your hospital have patient support group? That might be a viable alternative.
by Flanders
Fri Oct 16, 2015 2:05 pm
Forum: Personal Investments
Topic: Civil Servant 457b allocation
Replies: 16
Views: 2135

Re: Civil Servant 457b allocation

Guaranteed Income Fund - ER 0.2 Prudential Stock Index PSIFX - ER 0.25 Maybe go with these two in the 457b and get international in his IRAs. Is that guaranteed income fund akin to bonds? His wife is a VA employee. I will have him check her benefits and what her options are. He is only putting in a...
by Flanders
Thu Oct 15, 2015 1:06 pm
Forum: Personal Investments
Topic: Civil Servant 457b allocation
Replies: 16
Views: 2135

Re: Civil Servant 457b allocation

Are you positive those expensive ratios are correct? You have the expense ratio for PSIFX as 2.25%. Morningstar shows an expense ratio of 0.25%. You listed the expensive ratio for POSAX (another Prudential Fund) as 1.32% the same amount listed on Morningstar.