Search found 56 matches

by deeppizza
Thu Aug 01, 2019 4:20 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Reopens Dividend Growth Fund-Press Release August 1
Replies: 32
Views: 5031

Vanguard Reopens Dividend Growth Fund

[Thread merged into here, see below. --admin LadyGeek]

Looks like Vanguard announced today that Dividend Growth Fund reopened. I hold this in my IRA, and have been very pleased with it over the years.

https://pressroom.vanguard.com/news/Pre ... -Fund.html
by deeppizza
Tue Mar 05, 2019 10:26 am
Forum: Personal Investments
Topic: self-directed solo 401 k using Vanguard pooled account, etc.
Replies: 65
Views: 5222

Re: self-directed solo 401 k using Vanguard pooled account, etc.

It is possible to link a personal bank account to the pooled account at Vanguard (which would be the solo 401 k account). That way, the annual contribution to the solo 401 k account can come directly from your personal bank account via ACH. It didn't seem possible, however, to link a solo 401 k ban...
by deeppizza
Sun Mar 03, 2019 11:08 pm
Forum: Personal Investments
Topic: self-directed solo 401 k using Vanguard pooled account, etc.
Replies: 65
Views: 5222

Re: self-directed solo 401 k using Vanguard pooled account, etc.

I see - in that case, it could make sense to have only the after tax account for your 401k, since you can move the funds to your regular Roth IRA when you do the mega back door. You could have this account at Fidelity or you could have it in a bank account under your 401k and move it from there to ...
by deeppizza
Fri Mar 01, 2019 7:51 am
Forum: Personal Investments
Topic: self-directed solo 401 k using Vanguard pooled account, etc.
Replies: 65
Views: 5222

Re: self-directed solo 401 k using Vanguard pooled account, etc.

Thanks for the information. As you suggested, my situation is the more complicated one, and I'm aiming to use SE income to fund a self-directed 401k to hit the annual max contribution by doing after-tax mega backdoor Roth.
by deeppizza
Thu Feb 28, 2019 11:38 pm
Forum: Personal Investments
Topic: self-directed solo 401 k using Vanguard pooled account, etc.
Replies: 65
Views: 5222

Re: self-directed solo 401 k using Vanguard pooled account, etc.

I too am interested in a self-directed solo 401k, and have been considering using discountsolo401k.com. My question is this: if my goal is just to contribute after-tax money into the solo 401k for purposes of achieving a mega backdoor Roth, how many accounts would one need to set up (such as through...
by deeppizza
Fri Feb 08, 2019 12:23 pm
Forum: Personal Investments
Topic: Expensive mutual fund with large capital gains, what to do?
Replies: 15
Views: 901

Re: Expensive mutual fund with large capital gains, what to do?

Another option is to use a UTMA/UGMA account to tax gain harvest by gifting shares with the highest gains, and then selling them taking the principal + gains without having to pay taxes (given that you stay within the trust tax brackets and don't have other significant income).
by deeppizza
Wed Jan 16, 2019 7:41 am
Forum: Personal Consumer Issues
Topic: Swimming, do you? Advice sought.
Replies: 76
Views: 7595

Re: Swimming, do you? Advice sought.

We have a 25 meter indoor salt water pool at my gym, and I try to swim a mile (32 laps/64 lengths) 3x/week. I basically do it in stages of 1/3 mile a time before taking about a 1-2 minute break. Agree that it's meditating, but can get monotonous too. I do freestyle, and take a breath with every stro...
by deeppizza
Wed Nov 28, 2018 7:22 pm
Forum: Personal Investments
Topic: Where do you direct Stock Index Capital Gains and Dividends
Replies: 20
Views: 1990

Re: Where do you direct Stock Index Capital Gains and Dividends

I would add that you should be careful of re-investing capital gains/dividends with ETFs with Vanguard; they give you fractional ETF shares, which you are unable to sell (as they can only be sold in whole shares). Thus, it makes it really difficult to sell specific lots to TLH. Vanguard will only le...
by deeppizza
Mon Nov 19, 2018 2:08 pm
Forum: Investing - Theory, News & General
Topic: Trying to understand distribution estimates
Replies: 4
Views: 523

Re: Trying to understand distribution estimates

I have Vanguard Dividend Growth in a taxable account, and based on the preliminary year-end distributions that Vanguard has published, I'm trying to understand how much in distributions I may except (which then I would use to estimate taxation). Using round numbers, let's assume that I own 1000 shar...
by deeppizza
Tue Oct 02, 2018 3:11 pm
Forum: Investing - Theory, News & General
Topic: Trying to understand distribution estimates
Replies: 4
Views: 523

Trying to understand distribution estimates

I'm trying to figure out how I can estimate my expected capital gains/dividends distributions based on some of the expected distribution estimates that will be coming out soon. Let's assume that I have a total of 100 shares of a fund with a NAV of $10. The distribution estimates for long-term gains ...
by deeppizza
Sun Sep 02, 2018 4:30 pm
Forum: Investing - Theory, News & General
Topic: Investing for nieces/nephew outside of 529
Replies: 11
Views: 1197

Re: Investing for nieces/nephew outside of 529

After reading an article from Paul Merriman a couple of years ago (https://www.marketwatch.com/story/make-your-kid-rich-for-1-a-day-2014-08-13), we decided to invest $1/day for each of our nieces and nephews as well. We bought Vanguard index funds & ETFs (S&P 500 & total US), and invest & hold them ...
by deeppizza
Fri Aug 31, 2018 7:24 am
Forum: Investing - Theory, News & General
Topic: Sneaky ways to get into closed funds (e.g. POAGX in TN 529)
Replies: 40
Views: 5098

Re: Sneaky ways to get into closed funds (e.g. POAGX in TN 529)

I've been trying to get into the fund as well for years. I knew that I could access to it through the TN 529 plan, but was trying to find a way to get it into my Vanguard Brokerage account. From what I'm understanding, it looks like even if I were to buy shares through the 529, I wouldn't be able to...
by deeppizza
Thu Aug 30, 2018 10:11 pm
Forum: Investing - Theory, News & General
Topic: Tax Reform - Revised Kiddie Tax
Replies: 84
Views: 12647

Re: Tax Reform - Revised Kiddie Tax

Thanks for the reply spiritrider. I have a related question under the kiddie tax rules, one that might be elementary: Using round numbers, let’s assume that I have $1000 in short term capital gains, $500 in short term capital loses, $5000 in long term capital gains, & $300 in long term capital loses...
by deeppizza
Mon Aug 27, 2018 10:32 pm
Forum: Investing - Theory, News & General
Topic: Tax Reform - Revised Kiddie Tax
Replies: 84
Views: 12647

Re: Tax Reform - Revised Kiddie Tax

I know this has been debated/discussed before, but there had not been a clear cut consensus. As we are almost 9 months into 2018, wanted to see if anyone had heard of any updates about how the Kiddie Tax will be handled for 2018. I understand that the standard deduction of $1050 still applies to chi...
by deeppizza
Sun Aug 26, 2018 1:30 pm
Forum: Investing - Theory, News & General
Topic: Best way to sell long held mutual fund
Replies: 13
Views: 1582

Re: Best way to sell long held mutual fund

I'm in a somewhat similar situation with a significant amount of capital gains in a long held actively managed fund that I'm trying to get rid of. I'm planning on gifting the appropriate shares to my kids' UTMAs up the top of the 0% taxable trust bracket. Then sell the shares, and use the money to c...
by deeppizza
Thu Aug 09, 2018 10:51 am
Forum: Personal Investments
Topic: Getting Mega Back Door Roth Provisions into a 401k?
Replies: 11
Views: 876

Re: Getting Mega Back Door Roth Provisions into a 401k?

Yeah, I realize that all matches only go into a traditional 401k; but they've set up the plan so that you will only get a % match if you contribute at least 4% to traditional 401k/403b per pay cycle. You can contribute whatever amount you want to the Roth 401k/403b, but those contributions will not ...
by deeppizza
Thu Aug 09, 2018 10:17 am
Forum: Personal Investments
Topic: Getting Mega Back Door Roth Provisions into a 401k?
Replies: 11
Views: 876

Re: Getting Mega Back Door Roth Provisions into a 401k?

My employer's retirement plans are run through Vanguard, and have great fund choices. When I've called Vanguard to directly ask them how I can make after-tax contributions and in-plan transfers, they told me that my plan is not authorized to do that (which is at the discretion of the employer becaus...
by deeppizza
Thu Aug 09, 2018 10:07 am
Forum: Personal Investments
Topic: Getting Mega Back Door Roth Provisions into a 401k?
Replies: 11
Views: 876

Re: Getting Mega Back Door Roth Provisions into a 401k?

I'm employed by a regional health system which employs > 25,000, so I can understand that it would be a large undertaking to make changes to the retirement plans for all employees. But I agree with you that it appears the HR sometimes has no clue about the potential long term retirement/savings bene...
by deeppizza
Wed Aug 08, 2018 10:26 pm
Forum: Personal Investments
Topic: Getting Mega Back Door Roth Provisions into a 401k?
Replies: 11
Views: 876

Re: Getting Mega Back Door Roth Provisions into a 401k?

I'll echo the hard sell; it took 3 years of lobbying HR before they agreed to add a Roth option to our 401k/403b plans (which still ended up with some shady shenanigans - they won't provide a company match for any Roth contributions, only to the pre-tax contributions). Now I'm trying to get them to ...
by deeppizza
Mon Jul 16, 2018 6:29 am
Forum: US Chapters
Topic: St Louis Bogleheads
Replies: 126
Views: 25292

Re: St Louis Bogleheads

I would be interested as well. Live in Clayton, so that would be more convenient, but also work in St. Charles, so could make it work on a weeknight.
by deeppizza
Thu Mar 08, 2018 2:05 pm
Forum: Personal Investments
Topic: High Yield savings accounts recommendations
Replies: 14
Views: 2227

Re: High Yield savings accounts recommendations

Instead of an online high yield savings account, I elected to go with Vanguard's Prime Money Market (currently at 1.5%).
by deeppizza
Thu Mar 08, 2018 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Opening a taxable account in Vanguard Joint vs a Trust account
Replies: 24
Views: 2910

Re: Opening a taxable account in Vanguard Joint vs a Trust account

I am in a very similar position. I live in a state which recognizes “Tenants by the entirety”, and allows us additional asset protection above what “Joint tenants with right of survivorship” does, which is currently what our Joint account is registered as. Because Vanguard doesn’t allow a TOD design...
by deeppizza
Thu Dec 28, 2017 11:29 pm
Forum: Personal Investments
Topic: 529 Plan with Small Cap Value?
Replies: 3
Views: 375

Re: 529 Plan with Small Cap Value?

Utah’s 529 plan (UESP) offers Vanguard’s small cap value index fund as well as DFA US small cap value.
by deeppizza
Thu Oct 26, 2017 5:26 pm
Forum: Personal Investments
Topic: For Those Without a State Income Tax Break, Which 529 Do You Use and Why?
Replies: 10
Views: 1208

Re: For Those Without a State Income Tax Break, Which 529 Do You Use and Why?

We live in a tax-parity state (get state tax benefits regardless of what plan we use), and use Utah's 529 plan. It has a good mix of Vanguard and DFA funds.
by deeppizza
Thu Oct 26, 2017 7:32 am
Forum: Personal Finance (Not Investing)
Topic: Innovis and ChexSystems freeze confirmation letters
Replies: 52
Views: 9380

Re: Innovis and ChexSystems freeze confirmation letters

Requested freezes on Chexsystems for me and wife on 9/13 and 9/17 respectively. Got confirmation letters with PIN on 9/23 and 10/5.
Also requested freezes on Innovis; I think it took about a week to get confirmation letters from them.
by deeppizza
Mon Aug 28, 2017 10:57 am
Forum: Personal Investments
Topic: Non-match Roth 403b vs matched 403b
Replies: 15
Views: 1018

Re: Non-match Roth 403b vs matched 403b

Was told yesterday that my employer will be allowing Roth option to the 403b plan beginning in Sept, but any contributions to the Roth will NOT receive any match. I don't think it works that way. I could be wrong, but I think f they offer a match, they have to offer the match to any and all of your...
by deeppizza
Mon Aug 28, 2017 8:58 am
Forum: Personal Investments
Topic: Coverdell provider
Replies: 12
Views: 1194

Re: Coverdell provider

I use PrimeCap. I looked at them also. I believe I read on here they are a vendor for Vanguard. My hesitation with them was limited investment options. From what I could see, they only had three funds and one of them is closed to new investors. They also weren't super transparent into which stocks/...
by deeppizza
Sun Aug 27, 2017 11:03 pm
Forum: Personal Investments
Topic: Coverdell provider
Replies: 12
Views: 1194

Re: Coverdell provider

I use PrimeCap.
by deeppizza
Sun Aug 27, 2017 11:02 pm
Forum: Personal Investments
Topic: Who is doing 50:50 traditional:Roth 401k/TSP
Replies: 40
Views: 4228

Re: Who is doing 50:50 traditional:Roth 401k/TSP

I contribute the minimum amount needed my traditional 403b to achieve my employer's match, and once I hit the maximum match, then switch my contributions to Roth 403b to max out at $18K. My employer won't provide any matching contributions if I contribute to the Roth 403b (I have no idea why), so t...
by deeppizza
Sun Aug 27, 2017 9:48 am
Forum: Personal Investments
Topic: Who is doing 50:50 traditional:Roth 401k/TSP
Replies: 40
Views: 4228

Re: Who is doing 50:50 traditional:Roth 401k/TSP

I contribute the minimum amount needed my traditional 403b to achieve my employer's match, and once I hit the maximum match, then switch my contributions to Roth 403b to max out at $18K. My employer won't provide any matching contributions if I contribute to the Roth 403b (I have no idea why), so th...
by deeppizza
Sun Aug 13, 2017 10:13 pm
Forum: Personal Investments
Topic: Vanguard funds with the highest minimum investment
Replies: 15
Views: 3715

Re: Vanguard funds with the highest minimum investment

VMNFX (Vanguard Market Neutral) has a $250,000 minimum.
by deeppizza
Thu Aug 03, 2017 4:21 pm
Forum: Personal Investments
Topic: Non-match Roth 403b vs matched 403b
Replies: 15
Views: 1018

Re: Non-match Roth 403b vs matched 403b

My marginal federal and state tax rates are 39.6% and 6% respectively. Our household combined income is > $500K (file married), and is unlikely to change year to year (unless we obviously decide to leave our employer or change jobs which I don't foresee). Yes, plan to rollover the 403b and 401k to I...
by deeppizza
Thu Aug 03, 2017 3:11 pm
Forum: Personal Investments
Topic: Non-match Roth 403b vs matched 403b
Replies: 15
Views: 1018

Non-match Roth 403b vs matched 403b

Looking for any advise about changes to my employer’s 403b plan. Currently I contribute $18K to a 403b, and get a 1.75% match into a 401k. I also contribute $18K to 457, and do backdoor Roth. Was told yesterday that my employer will be allowing Roth option to the 403b plan beginning in Sept, but any...
by deeppizza
Mon Jul 10, 2017 11:51 am
Forum: Personal Investments
Topic: Utah 529 Best Investment Option
Replies: 7
Views: 1893

Re: Utah 529 Best Investment Option

I use a customized age-based option; currently invest in Vanguard Institutional Index, DFA US Large Cap Value, DFA US Small Cap Value, DFA Intl Value, and Vanguard EM index. My kids are 2.5 years and 6 months old. As they get older, I've set the allocations to change gradually while adding Vanguard ...
by deeppizza
Wed Jun 14, 2017 10:19 pm
Forum: Investing - Theory, News & General
Topic: Favorite Active Funds?
Replies: 22
Views: 4910

Re: Favorite Active Funds?

Primecap Odyssey Growth
Dodge & Cox Stock
Dodge & Cox International Stock
by deeppizza
Mon May 22, 2017 10:54 am
Forum: Personal Finance (Not Investing)
Topic: NY vs Utah 529?? Can't decide!
Replies: 23
Views: 6029

Re: NY vs Utah 529?? Can't decide!

I think there are 6 states that offer tax-parity (income tax benefits regardless of whether or not in-state 529 plan is used) at this time: Arizona, Kansas, Maine, Missouri, Montana, and Pennsylvania.
by deeppizza
Sun May 21, 2017 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: NY vs Utah 529?? Can't decide!
Replies: 23
Views: 6029

Re: NY vs Utah 529?? Can't decide!

We have UESP accounts for both of our daughters, and have been very happy. Their fees have dropped every year we've been with them. I also like that they have customized investment options. The below is ours: Age 0-6: Vanguard Institutional Index 20%, DFA US Large Cap Value 25%, DFA US Small Cap Val...
by deeppizza
Mon Apr 17, 2017 4:27 pm
Forum: Personal Investments
Topic: Where to Invest 1st $2000 of Coverdell ESA
Replies: 8
Views: 1308

Re: Where to Invest 1st $2000 of Coverdell ESA

If you go with Schwab, you can invest in any funds and ETFs they allow (Schwab, Vanguard, Fidelity, etc...). If you went with their balanced fund (SWOBX), you would pay no transaction fees. If you went with another fund (like the Vanguard Balanced Index - VBINX), they charge $4.95/transaction. Yes, ...
by deeppizza
Mon Apr 17, 2017 3:42 pm
Forum: Personal Investments
Topic: Where to Invest 1st $2000 of Coverdell ESA
Replies: 8
Views: 1308

Re: Where to Invest 1st $2000 of Coverdell ESA

Larger brokerage firms like Vanguard and Fidelity don't offer Coverdell's anymore, but I know that Schwab still allows them and you can invest in their index funds/ETFs commission free.
by deeppizza
Mon Apr 03, 2017 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Beneficiaries/TOD for Vanguard Joint Account
Replies: 35
Views: 7073

Beneficiaries/TOD for Vanguard Joint Account

I tried to add beneficiaries or assign TOD to our Vanguard joint account, but was told that they don't allow beneficiaries with joint accounts, and that the account defaults to the survivor if one of the account owners dies. But my question is what happens if both owners die; I assume that it has to...
by deeppizza
Tue Mar 28, 2017 11:33 pm
Forum: Personal Investments
Topic: Flagship access to closed funds?
Replies: 8
Views: 3938

Re: Flagship access to closed funds?

I wonder if one were to gift someone a share of a closed fund (dividend growth, Primecap, etc...), would they then be able to purchase shares afterwords?
by deeppizza
Sat Feb 04, 2017 11:22 pm
Forum: Personal Investments
Topic: Coverdell ESA - Can Minor open own account?
Replies: 10
Views: 1675

Re: Coverdell ESA - Can Minor open own account?

You don't have to open a UTMA to fund the ESA with your child as the owner. You can just contribute the $2K directly to the ESA, but it will be counted against your annual gift tax exclusion limit.
by deeppizza
Sat Feb 04, 2017 3:32 pm
Forum: Personal Investments
Topic: Coverdell ESA - Can Minor open own account?
Replies: 10
Views: 1675

Re: Coverdell ESA - Can Minor open own account?

You are correct that Vanguard and Fidelity don't offer ESAs anymore. I opened up an ESA for both of my children (they're the owners, and I act as the guardian), one through Primecap and the other with Mairs & Powers. Although they are actively managed fund houses, I think they are sound places to ho...
by deeppizza
Sat Dec 31, 2016 10:54 am
Forum: Personal Investments
Topic: International Small Cap Value?
Replies: 31
Views: 4754

Re: International Small Cap Value?

I've used Pear Tree Polaris Foreign Value Small Cap (QUSOX) for my international small cap value allocation.
by deeppizza
Wed Nov 30, 2016 2:56 pm
Forum: Personal Investments
Topic: New fee for Vanguard International High Dividend Yield Index Fund
Replies: 4
Views: 1450

New fee for Vanguard International High Dividend Yield Index Fund

I own shares of VIAAX in my Roth IRA, and got an email this morning from Vanguard stating "Effective February 7, 2017, Vanguard International High Dividend Yield Index Fund will charge a 0.25% fee on all share purchases, including those made by exchange from another Vanguard fund. Reinvested dividen...
by deeppizza
Tue Oct 04, 2016 8:52 am
Forum: Personal Investments
Topic: One 529 plan for 2 children?
Replies: 1
Views: 789

One 529 plan for 2 children?

We have a 2 year old, and have invested ~ 50K into the Utah 529 plan. We have been contributing ~ 16K each year (our state tax deduction limit) in addition to receiving contributions from family/friends. Second baby due in December, and trying to decide if we should open another 529 plan for her. I'...
by deeppizza
Mon Oct 03, 2016 12:16 pm
Forum: Personal Investments
Topic: After Tax Contributions to solo 401k?
Replies: 20
Views: 3618

Re: After Tax Contributions to solo 401k?

I am aware that I have to pro-rate with the SEP. There's no particular reason why I chose to do this as opposed to using a S401k other than that it was easier to set up the SEP at the time. I may decide to just switch my contributions from 1099 to S401k in the future as it reduces the hassle of the ...
by deeppizza
Mon Oct 03, 2016 10:49 am
Forum: Personal Investments
Topic: After Tax Contributions to solo 401k?
Replies: 20
Views: 3618

Re: After Tax Contributions to solo 401k?

Thanks for the clarification. Since my entire objective was to be able to save as much as I can in a qualified retirement account or tax-deferred account, am I out of other options? Relegated to using taxable accounts at this point? Quick recap: max out employers 401k (pre-tax, non-Roth) and 457b ma...
by deeppizza
Sat Oct 01, 2016 11:37 pm
Forum: Personal Investments
Topic: After Tax Contributions to solo 401k?
Replies: 20
Views: 3618

Re: After Tax Contributions to solo 401k?

So a solo 401K can only receive contributions earned from my 1099 income in my situation?