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kareysue

For my parents they own both since they work in the energy sector. But I notice lately VDE is doing pretty well but VGENX has done poorly and VGENX seems to be holding much more cash. I thought they were both energy funds by vanguard and have similar investment approaches

kareysue

If they have more money than they need, it's fine to stay in cash. No reason to risk & lose life savings. Cash is not risk free, it is exposed to significant inflationary risk. That is somewhat true but in the past 20 years inflation has been null. I wonder if inflation will ever come back. I i...

kareysue

Since the March lows I've made a mistake of selling almost all of my equities. With everything up now, I realized I made a big mistake. Anyone in a similar situation and what did you end up doing? Kareysue, I took the liberty of searching your previous posts here. What I see is someone who is undis...

kareysue

It is better than holding ee bonds or ibonds which is what i have most of. Haven't made much of anything

kareysue

Since the March lows I've made a mistake of selling almost all of my equities. With everything up now, I realized I made a big mistake. Anyone in a similar situation and what did you end up doing?

kareysue

why you think wfc is good. it seems to be so cheap right now for some reason like other banks? you don't think it may collapse?

kareysue

I have a treasurydirect account but I notice for the name on bank account, rather than my name it has been account number under the name. It gives me the option to modify that. Just wondering if I modify that if it would lock me out. Because I read in the forums when adding new bank accounts it woul...

kareysue

Jack FFR1846 wrote: ↑Thu Apr 16, 2020 8:49 pm Uh.....no.

With the way the economy is going you don't think the market will fall back to the lows of march 17?

kareysue

Since the market is getting close again to the highs set early this year do you guys plan to sell into the rally tomorrow and raise cash so during the next downturn we will have more cash to buy stocks?

kareysue

Not going to answer because who cares, we’ve all lost money. Posting anyways just to proclaim how annoyed I am when friends tell me how much they’ve lost. In my eyes it’s just an indirect way of bragging about how much money people have. “I’m down $200k already!” <— when someone says this, I don’t ...

kareysue

vipertom1970 wrote: ↑Wed Apr 01, 2020 6:28 pm 3/23/20 -815K
4/1/2020 -548K

over all last 25 years +350%

what do you invest in mostly? and did you do any reallocation at this time

kareysue

My portfolio everyday when logging into vanguard is just red and red. Seems depressing just looking at it. How are you guys coping (for people who lost money) in the market now?

kareysue

GatorFL wrote: ↑Wed Apr 01, 2020 12:33 pm Up .39% since 02/20/20, excluding contributions, up .37%.

Thankful...

Gator

how were you so lucky to be down so little

kareysue

i was wondering is it possible for stocks to hit 0. I mean the market keeps going down. Why don't the government stop the market or something so it won't keep going down

kareysue

Any risk in shorting the market tomorrow? Since everyone say it is a down day what is risk

kareysue

All Seasons wrote: ↑Sat Mar 21, 2020 9:07 pm Down 9.6%

Yawn.

wow you are lucky how come you are down so little. i am down over 30% from s and p

kareysue

vipertom1970 wrote: ↑Sat Mar 21, 2020 1:42 am down 695K as of today but also been buying a lot more.

Do you buy individual stocks or mutual funds ? and what do you think of shorting

kareysue

I was prepared for this black swan event in my investment portfolio, but underestimated the potential for a second great depression. I have been calling for low annualized returns over the next decade since mid 2019 and made a permanent change in asset allocation in mid 2019. What I did not foresee...

kareysue

You are down very little. I am down almost 50%. I invested some in individual stocks and cruise stocks

kareysue

When did you switch to bonds? that was smart move if you did it before the crash

kareysue

I notice in 2008 the market crash a lot but this pandemic seems different but it seems to fall faster than in 2008. The world was prepared for another financial crisis but it was not prepared for a pandemic because this has never happened before?

kareysue

I don't know if this counts as staying the course, but I am throwing huge amounts of cash in the market and watching it evaporate! I was 100% cash - 0% stocks at the start of 2020, and have been throwing money into stocks. It is strangely exciting - in a masochistic sort of way - to see your money ...

kareysue

I am 35% stocks and 65% bonds and these past days i am losing sleep. Never seen a market drop so hard in my life. And I am pretty conservative

kareysue

why till 1800?

kareysue

I think you are young. So nothing to worry about. But just wait for the market to settle first. How do you know the market won't fall back to 2008 levels? With democratic president, low oil prices, and other possible black swan events, maybe you can look into buying ibonds or more conservative inves...

kareysue

Thanks for all your help. The broker decided to leave the 1099-R the way it is and not do anymore corrections since they said it will take too much of their time. Too many unknowledgable people there so I didn't want to stir any more pot and just leave everything the way it is. Everytime I call I ge...

kareysue

Yes I know I want to do the 5 year rule where I withdraw everything by the end of the 5th year. I don't have to do annual rmd, I can do it all at the end of the 5th year after death

kareysue

Sorry for all the confusion. I have double checked all the correct terminology to the best of my knowledge. OK, is this correct? 1) You requested a distribution in 2017 (perhaps the inherited Roth RMD?), but the custodian did not make the distribution until 2018. Yes I requested it be dated 2017 or...

kareysue

I apologize for using the incorrect terms. No contribution was done to the Inherited roth ira. Just that the distribution was done in 2018 but they marked it as 2017. So now they said they will correct it and put it back the way it was before. what they sent out was an error. One rep told me to send...

kareysue

I just got a notice today from custodian
they said will do a new 1099-r with a removal of excess. They will reclassify the $5000 contribution to 2018.
I was wondering if they were to do this would they properly do it? Would they do a corrected 1099-r with a $0 amount?

kareysue

Thanks you are helpful. Yes it was with scottrade but they merge with ameritrade so I am not able to print out the statements since it has been so long. The ROTH IRA was indeed opened back in 2004 or 2005 I believe
Thanks for your help. You are a good relief

kareysue

They issued in 2017 because I sent it in 2017. They originally told me I past the deadline then they told me they won't issue the 1099-R but they issued it anyways today which is 1 1/2 months after the due date. In reality it is simple to do but the CPAs has a required minimum fee of $500 if i do an...

kareysue

I received a 1099-R Form with several thousands dollar under Gross Distribution box 1 and the box 2b taxable amount not determined and distribution code T. Basically I complained to my broker asserting that the 2018 distribution was suppose to be for tax year 2017. They told me they won't fix it and...

kareysue

Currently under father and mother auto policy. There are three vehicles in the household. If father is removed from the policy would the rate increase? Me being the daughter and 30 but father is 85 and mother is 53

kareysue

Hi,
Do you think this is important enough where I should amend it or just leave it alone? I don't want to raise any eye brows or anything. Not sure how common or uncommon this error is because I notice a lot of guides don't mention about this either. Thanks

kareysue

Just bumping this up to see if anyone has any input Thanks

kareysue

I mailed the form out yesterday but I am not sure if I made a mistake or not The return I checked A 1, the first return filed for the plan 3.) the final return for the plan and 4 a short plan year. I terminated the plan on december 29, 2015 and already rollover the funds to a traditional ira. But fo...

kareysue

oh when i go to that option it says: "Sign up for a Vanguard brokerage account. You'll have the flexibility to diversify your portfolio with Vanguard ETFs® and other investment products" I think I only signed up for the vanguard mutual fund side. I checked my current traditional ira and i ...

kareysue

I was wondering regarding 2R. Since vanguard brokerage accounts only let you purchase vanguard funds would 2R still apply?

kareysue

One other question, I recently rolled over the plan to a rollover ira on december 28, 2014. That was the date that my vanguard solo 401k also closed. For part 1 when it ask for the beginning and ending date do i put 12/31/2014 or 12/28/2014? Also, if 3a's information is the same as 2a can I put the ...

kareysue

ok thanks for your help. This form is almost due July 31 so I am mailing it tomorrow with these codes.

kareysue

What does that mean? As a solo 401 administrator I kept the funds at vanguard, but i used 401kadministrators.com to administer it.

kareysue

Thanks for your answers ERISA Stone. What does 2R mean?

kareysue

Hi,
Just wondering what is 3D? I never got any letter from IRS regarding my plan. Also, with 2R, my solo 401k plan was administrated by me but Vanguard was the custodian, is that what this means?

kareysue

I am trying to fill out a form 5500-ez for my the final year of my solo 41k. I was wondering since this is my first year filing since my solo 401k never exceeded 250k, for line 1b - three-digit plan number do I just put 001 and since my assets were transffered from my solo 401k to my rollover ira on...

kareysue

-18 basis points. Invested in oil and storage space and they all went down

kareysue

Hi,
just wondering if anyone else knows the answer to this Thanks

kareysue

Hi Alan, Thanks again for your help. Actually the amount on the 5498 is higher than the amount on the 1099-R which I had created. The reason why the amount on the 5498 reflected a higher amount of the rollover is because when the transfer of the mutual fund took place there were accrued dividends an...

kareysue

Hi Alan S, Thanks for your explanation. But just wondering since my 1099-R and the 5498 differs by a couple hundred dollars and does include Vanguard mutual funds, is it essential that I do a correction to a 1099-R or leave it the way it is? Because in my case, the 5498 is about a couple hundred dol...

kareysue

Hi,
just wondering if anyone else knows the answer to this Thanks

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