Search found 51 matches

by fz583
Thu Jul 12, 2018 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited IRA slowly funneled into Roth IRA
Replies: 9
Views: 899

Re: Inherited IRA slowly funneled into Roth IRA

There probably is but I like the simplicity of out target accounts right now across our different accounts, I think I’m better off paying a smidge more ER to not have to rebalance and constantly watch what funds in what accounts are doing what, as I learn more I may end up with the beloved 3 fund. I...
by fz583
Thu Jul 12, 2018 9:23 am
Forum: Investing - Help with Personal Investments
Topic: Inherited IRA slowly funneled into Roth IRA
Replies: 9
Views: 899

Re: Inherited IRA slowly funneled into Roth IRA

Thanks for the reply’s, I should add that I’m a Mass resident and have a state income tax of 5.1%, so that seems all the more reason to get the money into our roth’s over time.
by fz583
Thu Jul 12, 2018 5:45 am
Forum: Investing - Help with Personal Investments
Topic: Inherited IRA slowly funneled into Roth IRA
Replies: 9
Views: 899

Inherited IRA slowly funneled into Roth IRA

Hi, quick question that popped into my mind, I inherited an IRA in Dec. 2015, I have taken my RMD's since in March and take possession of them in my personal bank account then send them towards my Roth IRA at Vanguard, I choose the stretch option for the inherited IRA , I'm 42, my wife is 43 we both...
by fz583
Wed Jul 11, 2018 7:49 pm
Forum: Investing - Help with Personal Investments
Topic: ADP 401K Funds Recommendations
Replies: 8
Views: 928

Re: ADP 401K Funds Recommendations

It is what it is but those are some stiff expense ratio's, I also have ADP as my 401k provider unfortunately and mine are nowhere near those.
by fz583
Fri Jun 02, 2017 7:36 pm
Forum: Investing - Help with Personal Investments
Topic: Help me decide how my Fidelity 2% Cashback rewards should be invested plz.
Replies: 20
Views: 2483

Re: Help me decide how my Fidelity 2% Cashback rewards should be invested plz.

I use our Fidelity card for every purchase we can, pay it every one to two weeks in full, 2% rewards go into my daughters Ma. 529 account, I estimate I should accumulate around 10 grand in reward money by the time I need to use the account with purchases I was already going to make. I joke with my w...
by fz583
Sat May 27, 2017 4:51 am
Forum: Investing - Help with Personal Investments
Topic: Target date and 3 fund?
Replies: 8
Views: 1541

Re: Target date and 3 fund?

That may be correct, someone else can comment on that, sounds like a solid plan to me, I didn't know that was your intentions.
by fz583
Fri May 26, 2017 5:16 pm
Forum: Investing - Help with Personal Investments
Topic: Target date and 3 fund?
Replies: 8
Views: 1541

Re: Target date and 3 fund?

You do realize with your company Roth 401k you will have RMD's at 70.5, a Roth IRA on your own currently does not have RMD'S. Was said above but just wanted to make it clear.
by fz583
Sun May 14, 2017 7:02 am
Forum: Personal Finance (Not Investing)
Topic: How Old Habits Can Sabotage Retirement
Replies: 51
Views: 9436

Re: How Old Habits Can Sabotage Retirement

I knew this but you just drove it home with a stake, I'm gonna go write Uncle Sam under my name on all mine and Sam's 401k statements!
by fz583
Thu Apr 27, 2017 4:58 am
Forum: Investing - Help with Personal Investments
Topic: 140k safe investment for 4 months
Replies: 4
Views: 872

Re: 140k save investment for 4 months

Online savings account at 1%.
by fz583
Fri Apr 07, 2017 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: What's in your ADP 401(k)?
Replies: 21
Views: 2836

Re: What's in your ADP 401(k)?

Our adviser is from FSRP trusted independence, there in Bedford NH and I'm sure there very much in bed with ADP. good luck, I know your frustration.
by fz583
Fri Apr 07, 2017 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: What's in your ADP 401(k)?
Replies: 21
Views: 2836

Re: What's in your ADP 401(k)?

They contacted Vanguard and Fidelity, were basically told we were to small, at least that's what HR told me, now our HR is one lady, she also stocks the vending machines and makes coffee, so take that for what it's worth, we were already doing payroll with ADP so she was comfortable with them, she t...
by fz583
Fri Apr 07, 2017 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: What's in your ADP 401(k)?
Replies: 21
Views: 2836

Re: What's in your ADP 401(k)?

The company I work for has about 50 people, 3.5 mil in 401k assets, We use ADP for payroll and 401K, all in its about 1%, we have low cost index funds including Vanguard S&P 500 Admiral shares at .05er, Vanguard targets at .15, .16, American fund targets at .42, and a bunch of other funds up to just...
by fz583
Sat Nov 12, 2016 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: To ROTH or Not To ROTH...That Is The Question.
Replies: 15
Views: 2291

Re: To ROTH or Not To ROTH...That Is The Question.

Roth IRA there are NO RMD'S required, Roth 401k there ARE RMD'S required, at least those are tax free Vs. Traditional 401k RMD's. Everyone seems to think there are no RMD's with a Roth 401k. This below is taken from the IRS website. What types of retirement plans require minimum distributions? The R...
by fz583
Thu Oct 13, 2016 7:28 pm
Forum: Investing - Help with Personal Investments
Topic: Target retirement date fund okay for all accounts?
Replies: 21
Views: 3200

Re: Target retirement date fund okay for all accounts?

Mine and my wife's 401k's are in target accounts hers at Fidelity, mine at Vanguard, our Roth's are both in Vanguard target accounts, and we have a taxable account at Vanguard that holds VTI, the money in VTI is next years 2017 Roth contributions with a little extra, I realize I could lose money in ...
by fz583
Sun Oct 09, 2016 7:41 am
Forum: Personal Consumer Issues
Topic: Any Boglehead Snowmobilers?
Replies: 1
Views: 287

Any Boglehead Snowmobilers?

I've had sleds on and off for the last 25 years, currently do not have one but have been looking as the itch has got me again, anyways, I was wondering if there are any boglehead sledders on here? There is nothing more fun imo than snowmobile's, but they definetly are expensive and I put them in the...
by fz583
Sun Sep 18, 2016 10:08 am
Forum: Investing - Help with Personal Investments
Topic: 3 fund or target in my inherited IRA?
Replies: 12
Views: 1527

Re: 3 fund or target in my inherited IRA?

So for me then I'd be fine staying with what I have now? The inherited IRA is basically just like a stagnant 401k is besides the annual RMD'S, and the Roths are after tax contributions, wifes 401k is a standard 401k, mine is a Roth 401k which i switched to last March after 17 years with a standard 4...
by fz583
Sun Sep 18, 2016 7:21 am
Forum: Investing - Help with Personal Investments
Topic: 3 fund or target in my inherited IRA?
Replies: 12
Views: 1527

Re: 3 fund or target in my inherited IRA?

As I'm sure you know the target date accounts have extremely low ER's at Vanguard, mine are .16%, It's just the more I read on this site, which is a great resource of information, I do see target date being recommended but by far the 3 fund is what most believe is the best route to go, My other acco...
by fz583
Sun Sep 18, 2016 6:39 am
Forum: Investing - Help with Personal Investments
Topic: 3 fund or target in my inherited IRA?
Replies: 12
Views: 1527

Re: 3 fund or target in my inherited IRA?

I suppose for now I'll just stick to my game plan of keeping everything as simple as possible and keep everything in the target accounts, It can be my first mini lesson of "staying the course" rebalancing seem's easy enough if you have one account but seems like a pain with multiple accounts, I coul...
by fz583
Sat Sep 17, 2016 2:29 am
Forum: Investing - Help with Personal Investments
Topic: 3 fund or target in my inherited IRA?
Replies: 12
Views: 1527

Re: 3 fund or target in my inherited IRA?

Thanks for the replys, the fidelity target is in index funds and has an Er of 26 basis points.
by fz583
Fri Sep 16, 2016 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: 3 fund or target in my inherited IRA?
Replies: 12
Views: 1527

Re: 3 fund or target in my inherited IRA?

Oh i've researched the target accounts and there holdings before I bought in, and there benefits, I definetly like how my AA stays the same across all accounts. I like the concept of target accounts, atleast Vanguards anyways, I'm just curious about the inherited IRA since I cant add any money to it...
by fz583
Fri Sep 16, 2016 7:45 pm
Forum: Investing - Help with Personal Investments
Topic: 3 fund or target in my inherited IRA?
Replies: 12
Views: 1527

3 fund or target in my inherited IRA?

I have a few different accounts. 1) Inherited IRA, its in a Vanguard 2040, It has enough to do the 3 fund with admiral shares. 2) Roth IRA, its in a Vanguard 2045, only at 12 grand, so it stays in a target for now 3) Wife has the same Roth IRA funds and balance as #2 4) My company Roth 401 K is in a...
by fz583
Tue Aug 09, 2016 10:40 am
Forum: Investing - Help with Personal Investments
Topic: Sell my Apple stock?
Replies: 45
Views: 5351

Re: Sell my Apple stock?

Dont I know it! Already rolled the sale $ over into 2040, Time to watch the paint dry. :sharebeer
by fz583
Mon Aug 08, 2016 3:02 pm
Forum: Investing - Help with Personal Investments
Topic: Sell my Apple stock?
Replies: 45
Views: 5351

Re: Sell my Apple stock?

Your exactly right, FOMO is exactly what was on my mind, I just sold my shares, I feel relieved, now I'll buy more 2040 Target and be done with it, Ronco set it and forget it. Thanks for the input everyone. Appreciate it.
by fz583
Mon Aug 08, 2016 8:42 am
Forum: Investing - Help with Personal Investments
Topic: Sell my Apple stock?
Replies: 45
Views: 5351

Re: Sell my Apple stock?

I guess theres no right or wrong answer then, but I agree with what one reply said, if I had $8000, would I go buy Apple stock today? My answer would be no, so maybee that tells me its time to set it free.
by fz583
Sun Aug 07, 2016 3:54 pm
Forum: Investing - Help with Personal Investments
Topic: Sell my Apple stock?
Replies: 45
Views: 5351

Re: Sell my Apple stock?

Everyone has great points of view, and that's my problem! Keep them coming! Thanks
by fz583
Sun Aug 07, 2016 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: Sell my Apple stock?
Replies: 45
Views: 5351

Re: Sell my Apple stock?

Well maybee i should of said it drives me nuts to watch them go down, It's exciting as hell to watch them go up! But being in an inherited IRA, I cant add my own money to this account, just pick my investments, take the annual RMD and sit and watch. I plan to hold onto this account till I'm gone, on...
by fz583
Sun Aug 07, 2016 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: Sell my Apple stock?
Replies: 45
Views: 5351

Sell my Apple stock?

I've asked this in the past and I didn't make a move. All my accounts, Inherited IRA, Roth Ira, and 401k are in Vanguard 2040 and 2045 Target accounts, Except for 75 shares of Apple stock I inherited last Dec. The inherited IRA is a combo of the 2040 TR and the Apple stock, Inherited IRA total is ab...
by fz583
Thu Jun 02, 2016 6:29 am
Forum: Investing - Help with Personal Investments
Topic: Target 2040 in Inherited IRA
Replies: 4
Views: 622

Re: Target 2040 in Inherited IRA

Thanks for the reply's, What I meant by my RMD going to my Roth 2045 is that I take/took my 2016 RMD already and the money transferred to my personal bank account then I just transferred it back to Vanguard and bought more shares of the 2045 in my Roth, so I can keep the money from the inherited IRA...
by fz583
Thu Jun 02, 2016 5:30 am
Forum: Investing - Help with Personal Investments
Topic: Target 2040 in Inherited IRA
Replies: 4
Views: 622

Target 2040 in Inherited IRA

Is it ok to have a Vanguard 2040 in my Inherited IRA? its about 40,000 in the 2040 and another 7 or so in stock which I plan to sell and buy more 2040, I have a 2045 in my roth and a 2040 in my 401k, all Vanguard, I guess my concern is whether its considered tax efficient or not being in an Inherite...
by fz583
Tue Apr 19, 2016 10:01 am
Forum: Investing - Help with Personal Investments
Topic: Mutual or ETF?
Replies: 14
Views: 1179

Re: Mutual or ETF?

Well I ended up buying Vanguard total stock market ETF today, reason being when I pull out next years $11,000 for our roths, (Hopefully)! The remainder $2400 of the ETF can stay in the brokerage account at .05 er, thanks for everyone's input and opinions. Appreciate it.
by fz583
Wed Apr 13, 2016 7:54 am
Forum: Investing - Help with Personal Investments
Topic: Selling stock
Replies: 15
Views: 1662

Re: Selling stock

Yes it did, I sold some other stocks yesterday, SBUX was my ice breaker, had a hard time pulling the trigger to sell but now I feel liberated on some level, less stress watching the markets, all I have left now is shares of Apple for individual stocks, I will be letting this go also just not today! ...
by fz583
Tue Apr 12, 2016 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: Mutual or ETF?
Replies: 14
Views: 1179

Re: Mutual or ETF?

Wow! Great replys, I think I have been and still am leaning towards total stock market vs s&p. Thanks
by fz583
Tue Apr 12, 2016 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: Mutual or ETF?
Replies: 14
Views: 1179

Re: Mutual or ETF?

Both our roths are fully funded for 2015 & 2016, both are in vanguard 2045's, this 13500 was from the sale of stocks from 4 companys, wasnt super comfortable about that money being tied up in 4 companys so I figured I'd put it in total stock market or S&P till I can put it in our roths, whether that...
by fz583
Tue Apr 12, 2016 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: Mutual or ETF?
Replies: 14
Views: 1179

Mutual or ETF?

I have about $13,500 i would like to put into my vanguard brokerage account for a yr or so then take 11,000 and put it into his and hers Roth accounts, I have 2 questions, would I be better off buying Vanguard total stock market or the S&P 500, and would I be better off buying index mutual fund or E...
by fz583
Thu Apr 07, 2016 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: Selling stock
Replies: 15
Views: 1662

Re: Selling stock

Being very much a rookie and always wanting what I want 10 min ago, I place an order this morning at 830 am, I did a limit order at $60.00, it was executed at 930 am and I sold 140 shares od sbux for $60.59, it was purchased at 28 something 4 years ago, and of course today it went up after that! But...
by fz583
Wed Apr 06, 2016 8:24 pm
Forum: Investing - Help with Personal Investments
Topic: Selling stock
Replies: 15
Views: 1662

Re: Selling stock

I think I'll wait till the market opens tomorrow, for the reasons stated above, thanks for the input, this place is a wealth of knowledge.
by fz583
Wed Apr 06, 2016 6:39 pm
Forum: Investing - Help with Personal Investments
Topic: Selling stock
Replies: 15
Views: 1662

Re: Selling stock

Only 140 shares, but a market order is fine once the market is open, or can I just do it tonight and it will get executed when the market opens, or is the point of waiting till 10am incase it tanks at opening bell? Thanks again
by fz583
Wed Apr 06, 2016 6:14 pm
Forum: Investing - Help with Personal Investments
Topic: Selling stock
Replies: 15
Views: 1662

Selling stock

I have some shares of Starbucks I want to sell that are in an Inherited IRA at Vanguard, i will buy target date 2040 with the proceeds, anyhow, what is the best way to sell them? Market price, or other options better? Thanks for your input.
by fz583
Mon Mar 14, 2016 5:14 pm
Forum: Investing - Help with Personal Investments
Topic: Reallocating Inherited IRA
Replies: 9
Views: 1048

Re: Reallocating Inherited IRA

I'm going through the same thing now, It was at TD, I transferred to Vanguard, took the 30g's and bought 2040 Target account and I still have the 15G worth of Starbucks and Apple stock that I plan on selling and buying more 2040 shares, But I've held onto the stocks for the time being for the same s...
by fz583
Sat Mar 05, 2016 5:17 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard 2040
Replies: 8
Views: 1274

Re: Vanguard 2040

Thanks for the reply's, my intentions were when I do take my annual RMD, to have it deposited into my regular checking account and then deposit it into one of our roth 2045 asap, with the goal of always having this gift from my mom in the market until later in my life. Thanks again.
by fz583
Fri Mar 04, 2016 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard 2040
Replies: 8
Views: 1274

Re: Vanguard 2040

So to give a little more details why I'm asking, I have an inherited ira that just got transferred to vanguard, it is around $30,000 in cash and another $15,000 in Apple and Starbucks stocks, $45,000 total, My plan is to put the 30k into a Vanguard 2040 Target account and eventually sell the stock a...
by fz583
Fri Mar 04, 2016 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard 2040
Replies: 8
Views: 1274

Re: Vanguard 2040

Invester shares it is! Thanks
by fz583
Fri Mar 04, 2016 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard 2040
Replies: 8
Views: 1274

Vanguard 2040

Can someone tell me the differance between the 2040 target date invester shares vs institutional shares? Is it just the er .16 vs .10?, and is there a minimum for either? Thank you
by fz583
Wed Feb 10, 2016 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: Idea's for Inherited IRA
Replies: 11
Views: 846

Re: Idea's for Inherited IRA

Thanks for your condolences, also thanks for yours also Mattshwink, I forgot to acknowledge that in my last reply, as for the RMD, i plan to do the same approach as you, pay taxes on the rmd, take possession if the RMD then send it on its way to the Roth account, I have a job so the irs would not kn...
by fz583
Wed Feb 10, 2016 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: Idea's for Inherited IRA
Replies: 11
Views: 846

Re: Idea's for Inherited IRA

I know I'll have to pay taxes on the RMD, what I meant is that I'd take the withdrawel and then just send it to my roth ira, it would pass through me first, vs going directly from the inherited ira to the roth ira. Just trying to keep as much of it in the market as possable.
by fz583
Wed Feb 10, 2016 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: Idea's for Inherited IRA
Replies: 11
Views: 846

Re: Idea's for Inherited IRA

I think my gameplan will be to sell the stocks, put it all in a 2045 target at Vanguard, my annual rmd I will withdraw and then put it into my Roth at Vanguard also in a 2045 target, keeps it all in the market and both grow for atleast another 25-30 years. No need to spend the rmd now.
by fz583
Wed Feb 10, 2016 8:52 am
Forum: Investing - Help with Personal Investments
Topic: Idea's for Inherited IRA
Replies: 11
Views: 846

Re: Idea's for Inherited IRA

Thanks for your condolences, I'd love to see her ira grow and last me as long as possable, hopefully helping with my retirement and hopefully will be passsed to my daughter some day, Individual stocks arnt my thing as much as I wanted to see where her stock picks would end up, the new boglehead in m...
by fz583
Tue Feb 09, 2016 9:35 pm
Forum: Investing - Help with Personal Investments
Topic: Idea's for Inherited IRA
Replies: 11
Views: 846

Re: Idea's for Inherited IRA

Thanks for the reply's, does it make a differance if I sell the stock before or after I transfer the ira to Vanguard? And should I lump sum 45 grand into a 2045 or DCA over say 8, 12, or 24 months? Thanks again