Search found 79 matches

by macandal
Mon Oct 05, 2020 1:02 pm
Forum: Personal Investments
Topic: HSA Accounts
Replies: 45
Views: 3808

Re: HSA Accounts

I want to make sure that you know the difference between FSA and HSA and also are aware of how a HSA works. If you had HSA in 2019, how much did you contribute through payroll? How much did your employer contribute? Did you lose that money or used it for any doctor visits? It appears I have an FSA....
by macandal
Mon Feb 03, 2020 2:56 pm
Forum: Personal Investments
Topic: HSA Accounts
Replies: 45
Views: 3808

Re: HSA Accounts

You don’t have to stay with the HSA provider your employer has picked. You can roll over the funds to another if they offer more attractive options. REALLY? I did not know this. I thought HSAs were a use-it-or-lose-it type of deal? So I can have my HSA funds directly deducted by another provider li...
by macandal
Mon Feb 03, 2020 2:22 pm
Forum: Personal Investments
Topic: HSA Accounts
Replies: 45
Views: 3808

HSA Accounts

I don't mean to gang up on Rose here, but she's the first person that came to mind when I was thinking about this. However, there are others on YouTube and elsewhere who recommend HSAs as investment strategies. HSA Explained (THE ULTIMATE TAX LOOPHOLE!) I must be missing something here because I jus...
by macandal
Mon Feb 03, 2020 1:10 pm
Forum: Personal Investments
Topic: Dollar cost averaging at Fidelity
Replies: 13
Views: 1682

Re: Dollar cost averaging at Fidelity

Are you buying stocks or mutual funds? Automatic investing is available at Fidelity, but if you're buying stocks you can only make purchases by whole shares, unless you are one of the lucky people chosen to begin buying fractional shares which were just announced last Wednesday (the 29th). I am a Fi...
by macandal
Mon Jan 20, 2020 5:48 pm
Forum: Personal Investments
Topic: Vanguard Growth (VIGAX) in taxable account?
Replies: 17
Views: 4728

Re: Vanguard Growth (VIGAX) in taxable account?

grabiner wrote: Thu Jan 16, 2020 11:49 pmHowever, you should view everything as one portfolio....
Oh, boy, this is more complicated than I thought!!
by macandal
Thu Jan 16, 2020 11:40 am
Forum: Personal Investments
Topic: Vanguard Growth (VIGAX) in taxable account?
Replies: 17
Views: 4728

Re: Vanguard Growth (VIGAX) in taxable account?

First, decide on your asset allocation, which is a measure of how aggressive an investor you are, and how much risk you are going to take. 100% stocks. For the part of this portfolio which is in your 401(k)... For your IRA... This account is not for my retirement. None of this money will be in a 40...
by macandal
Wed Jan 15, 2020 6:46 pm
Forum: Investing - Theory, News & General
Topic: [Deleted]
Replies: 143
Views: 19179

Re: The End

CyclingDuo wrote: Wed Jan 15, 2020 12:25 pmSpeaking of squeezing orange juice...

Nobody likes to end up being the "orange" investor:
Hey, at least it beat inflation, right?
by macandal
Wed Jan 15, 2020 5:34 pm
Forum: Personal Investments
Topic: Vanguard Growth (VIGAX) in taxable account?
Replies: 17
Views: 4728

Re: Vanguard Growth (VIGAX) in taxable account?

grabiner wrote: Fri May 26, 2017 8:05 pmHowever, your goal isn't to minimize taxes; it is to optimize after-tax returns.
Which fund would be the best at this for an aggressive investor? I am looking to invest some money on a taxable account also. Thanks.
by macandal
Thu Jan 02, 2020 3:54 pm
Forum: Personal Investments
Topic: Vanguard RMD Calculator -- Where?
Replies: 16
Views: 1522

Re: Vanguard RMD Calculator -- Where?

Just recently signed up for a Vanguard account and I have found out that they really need to work on their website. They really need to reorganize it ASAP. It is quite a chore to find ANYTHING there. I spent quite a lot of time trying to figure out where my wishlist had gone. And what is this that t...
by macandal
Thu Jan 02, 2020 2:46 pm
Forum: Personal Investments
Topic: Are funds with a load really that bad?
Replies: 29
Views: 2297

Re: Are funds with a load really that bad?

BV3273 wrote: Fri Jul 19, 2019 7:20 pm How about FOCPX & FIVFX
FOCPX is a no-load fund.
by macandal
Mon Dec 16, 2019 7:49 pm
Forum: Personal Investments
Topic: HELP!!! Vanguard locked my account
Replies: 54
Views: 8872

Re: HELP!!! Vanguard locked my account

So what happened?
by macandal
Sat Oct 12, 2019 3:34 pm
Forum: Personal Investments
Topic: Retirees, when did you start really planning your retirement?
Replies: 53
Views: 5792

Re: Retirees, when did you start really planning your retirement?

Lots of stuff to consider here. Thank you all for your responses. A little more about me/my situation after reading your responses: Just turned 52. I'm eligible to my pension now (50 years old/20 years of service), however I would not get much if I retired now (30% of my current pay). That pension i...
by macandal
Fri Oct 11, 2019 5:10 pm
Forum: Personal Investments
Topic: Retirees, when did you start really planning your retirement?
Replies: 53
Views: 5792

Re: Retirees, when did you start really planning your retirement?

I made the decision to delay SS until 70 when I was 62. I also began to do Roth conversions when the law changed in 2010 to allow conversions regardless of income. Early on I made a decision that I did not want a mortgage in retirement. I ran numbers through various retirement calculators about ten...
by macandal
Fri Oct 11, 2019 4:53 pm
Forum: Personal Investments
Topic: Retirees, when did you start really planning your retirement?
Replies: 53
Views: 5792

Re: Retirees, when did you start really planning your retirement?

I started in my 50's; I built an excel so I can track my expenses year over year; I maxed out my 401K; I signed up for Kiplingers and Money Mags and did alot of research - Good Luck I have been maxing out my 457(b) for quite some time now. When I turned 50, I added the additional amount we are allo...
by macandal
Fri Oct 11, 2019 4:42 pm
Forum: Personal Investments
Topic: Retirees, when did you start really planning your retirement?
Replies: 53
Views: 5792

Retirees, when did you start really planning your retirement?

I know that one should start planning one's retirement the moment one starts working, but I want to know is when do you need to start making moves, etc when retirement is coming up rather fast. I ask because the other day I was thinking that I am about 10 years from retirement. Is there anything I s...
by macandal
Thu Aug 22, 2019 5:22 pm
Forum: Personal Investments
Topic: My retirement plan is changing -- AGAIN!!
Replies: 21
Views: 2960

Re: My retirement plan is changing -- AGAIN!!

Not sure because the benchmark you gave of the small-mid cap equity fund is probably not accurate. I suspect, but do not know, that the small-mid cap Equity index fund is a "completion" fund - it completes the 500 index (meaning it holds the rest of the total stock market that is not incl...
by macandal
Thu Aug 22, 2019 3:53 pm
Forum: Personal Investments
Topic: My retirement plan is changing -- AGAIN!!
Replies: 21
Views: 2960

Re: My retirement plan is changing -- AGAIN!!

Large Cap Equity - S&P 500 Index Fund (Net Expense Ratio: 0.01%) Small-Mid Cap Equity Index Fund - Benchmark is Dow Jones U.S./Total Stock Market Index (Net Expense Ratio: 0.04%) International Equity Index Fund - Benchmark is MSCI EAFE Index (Net Expense Ratio: 0.04%) ...and whatever is the bes...
by macandal
Wed Aug 21, 2019 6:31 pm
Forum: Personal Investments
Topic: My retirement plan is changing -- AGAIN!!
Replies: 21
Views: 2960

Re: My retirement plan is changing -- AGAIN!!

retiredjg wrote: Wed Aug 21, 2019 6:07 pmWell, you asked....I think it is a poor list. You are refusing to use your best choices. :(
Which are..?
by macandal
Wed Aug 21, 2019 4:28 pm
Forum: Personal Investments
Topic: My retirement plan is changing -- AGAIN!!
Replies: 21
Views: 2960

Re: My retirement plan is changing -- AGAIN!!

Not enough information in your post to offer advice. Try reposting in the “Asking Portfolio Questions” format found here: https://www.bogleheads.org/wiki/Asking_portfolio_questions Emergency funds: Done! Debt: ~$250,000 mortgage (don't remember the interest rate, but I pay $1,200 monthly) and car l...
by macandal
Mon Aug 19, 2019 3:27 pm
Forum: Personal Investments
Topic: My retirement plan is changing -- AGAIN!!
Replies: 21
Views: 2960

Re: My retirement plan is changing -- AGAIN!!

What are the 4 CITs? Might be best to just use a Target fund if the expense is reasonable. Paul Large Cap Equity - S&P 500 Index Fund (Net Expense Ratio: 0.01%) Small-Mid Cap Equity Index Fund - Benchmark is Dow Jones U.S./Total Stock Market Index (Net Expense Ratio: 0.04%) International Equity...
by macandal
Mon Aug 19, 2019 2:02 pm
Forum: Personal Investments
Topic: My retirement plan is changing -- AGAIN!!
Replies: 21
Views: 2960

Re: My retirement plan is changing -- AGAIN!!

PRUFX -- T. Rowe Price Growth Stock Fund I Class, 0.52% ER + VIGIX -- Vanguard Growth Index Fund Institutional Shares, 0.04% ER VFTNX -- Vanguard FTSE Social Index Fund Institutional Shares, 0.12% ER HNSGX -- Harbor Small Cap Growth Fund Retirement Class, 0.80% ER + DVZRX -- Delaware Small Cap Valu...
by macandal
Mon Aug 19, 2019 1:21 pm
Forum: Personal Investments
Topic: My retirement plan is changing -- AGAIN!!
Replies: 21
Views: 2960

Re: My retirement plan is changing -- AGAIN!!

Sandi_k wrote: Mon Aug 19, 2019 1:09 pm What are CITs?
Collective Investment Trusts.
by macandal
Mon Aug 19, 2019 1:04 pm
Forum: Personal Investments
Topic: My retirement plan is changing -- AGAIN!!
Replies: 21
Views: 2960

My retirement plan is changing -- AGAIN!!

Only 19 months ago, I came to these boards to tell you that my employer was changing retirement providers (we don't have 401Ks, we have 457Bs). I am bummed about this but it is a fact that I have to deal with. What bothers me, though, is how much stock is placed on CITs over mutual/index funds. It b...
by macandal
Tue Jul 30, 2019 5:14 pm
Forum: Investing - Theory, News & General
Topic: Rate of return
Replies: 15
Views: 1829

Re: Rate of return

MNGopher wrote: Tue Jul 30, 2019 4:49 pmPortfolio visualizer might allow you to do what you're trying to do.
https://www.portfoliovisualizer.com/
I think I already tried this. Can't remember why it wasn't what I was looking for..? Thanks anyway.
by macandal
Tue Jul 30, 2019 4:36 pm
Forum: Investing - Theory, News & General
Topic: Rate of return
Replies: 15
Views: 1829

Re: Rate of return

Our wiki... Thank you for this longinvest. Took me a while but I entered all my info and now have an idea as to where I stand on my retirement account. I know this is beyond the scope of this site, but, any chance you might do a similar document to analyze stock purchases? A few years back, a membe...
by macandal
Wed Jul 24, 2019 12:06 pm
Forum: Investing - Theory, News & General
Topic: Rate of return
Replies: 15
Views: 1829

Re: Rate of return

longinvest wrote: Fri Jul 12, 2019 11:38 am Our wiki explains the 2 main different types of return (investor and portfolio return) and provides an easy-to-use spreadsheet:
I can't use the sheet anymore (the Google Docs one). It shows to me as "view only." Is there a reason for this?
by macandal
Fri Jul 12, 2019 5:02 pm
Forum: Investing - Theory, News & General
Topic: Rate of return
Replies: 15
Views: 1829

Re: Rate of return

Ok, I entered all the information into the sheet and this is what I got: Trailing investor return (money-weighted return, internal rate of return) Investor return as of 6/30/2019 Since* 12/31/1996 8.5% * Annual compound return Trailing portfolio return (time-weighted return, comparable return) Portf...
by macandal
Fri Jul 12, 2019 12:46 pm
Forum: Investing - Theory, News & General
Topic: Rate of return
Replies: 15
Views: 1829

Re: Rate of return

Thanks for pointing me out to the spreadsheet. I saved the Google Sheets version of the spreadsheet. One question, in the case of my 457 account, the statements come quarterly but I am being asked to add monthly data, what do I do? Change the monthly date to "Q1-2013, Q2-2013, etc.."? Also...
by macandal
Fri Jul 12, 2019 11:13 am
Forum: Investing - Theory, News & General
Topic: Rate of return
Replies: 15
Views: 1829

Rate of return

I'm sorry if this is too basic, too simple a question but I can't figure this out. When people say something along the lines of, "Well, my investment is giving me a 7% return," where do they get that number from? I also read articles all the time that throw the holy trinity of returns--6, ...
by macandal
Fri Feb 08, 2019 6:47 pm
Forum: Personal Investments
Topic: How to divest
Replies: 6
Views: 709

Re: How to divest

Are the stocks held in a taxable account? Meaning that they are not in a IRA, 401(k) or other tax-advantaged retirement account. Yes, they are. If they are in a taxable account, then you need to determine the cost basis for each stock you hold before you make any decisions about selling. The cost b...
by macandal
Fri Feb 08, 2019 1:18 pm
Forum: Personal Investments
Topic: How to divest
Replies: 6
Views: 709

How to divest

I own stocks and I have been told that I should sell these (or at least some of them) and reinvest the money into mutual funds. My question is this, is there a strategy for divesting out of stocks or do you just sell them and assume the taxes that are sure to come next year? The (stocks) account is ...
by macandal
Fri Jan 11, 2019 1:47 pm
Forum: Personal Investments
Topic: Good calculators available?
Replies: 7
Views: 1079

Re: Good calculators available?

Try this https://www.portfoliovisualizer.com/monte-carlo-simulation There are lots of good calculators out there. You can take a look here: https://www.bogleheads.org/wiki/Retirement_calculators_and_spending Of course, the problem is that there are no great calculators out there, because no one kno...
by macandal
Fri Jan 11, 2019 12:36 pm
Forum: Personal Investments
Topic: Good calculators available?
Replies: 7
Views: 1079

Good calculators available?

Are there any good calculators out there or not? If you want to see when your retirement savings will reach a certain amount or want to know what they will be worth by the time you retire, are there any good calculators for this?

Thank you.
by macandal
Thu Jan 10, 2019 1:30 pm
Forum: Personal Consumer Issues
Topic: Best place to sell stuff?
Replies: 21
Views: 1894

Best place to sell stuff?

I have a lot of things around my house that I do not use and want to sell. Things like clothes, books, electronics, tchotchkes, etc. What's the best platform to do this? eBay, Amazon, craigslist, other?

I live in San Francisco, CA.

Thanks.
by macandal
Fri Dec 07, 2018 4:15 pm
Forum: Personal Investments
Topic: Saving for Retirement when one has a Pension
Replies: 60
Views: 7787

Re: Saving for Retirement when one has a Pension

I will have very generous pension. I contribute 7.95% of my GROSS pay pre-tax to the plan, and then contribute an additional 15% of my GROSS pay into the 457 plan. The 457 plan allows me penalty-free access to my money, as long as I retire directly from this job. If you have one, I would recommend ...
by macandal
Fri Dec 07, 2018 3:09 pm
Forum: Personal Investments
Topic: Saving for Retirement when one has a Pension
Replies: 60
Views: 7787

Re: Saving for Retirement when one has a Pension

This is my advice, my guideline: I also work at a place where, if I go for full vesting (which, for me will be in about 10 years), I will receive 75% of my pay. Pensions scare me, I'm a pessimist and I think that something horrible will happen by the time I retire, so I treat my 457(b) plan as if th...
by macandal
Thu Dec 06, 2018 4:21 pm
Forum: Personal Investments
Topic: Lazy Portfolio Examples (old Kiplinger articles)
Replies: 7
Views: 1831

Re: Lazy Portfolio Examples (old Kiplinger articles)

I like 6-9, 36-37, and also 1-3.

Thanks.
by macandal
Fri Aug 17, 2018 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Budgeting for clothes, hobbies, etc...
Replies: 6
Views: 719

Re: Budgeting for clothes, hobbies, etc...

Needs vs. wants. Pay yourself first. Are you saving 15% for retirement? Do you have any debt? Pay your rent or mortgage, food, healthcare, clothes. See what you have leftover for hobbies, that is what you spend. If you find yourself dipping into savings for hobbies and other things, you either have...
by macandal
Fri Aug 17, 2018 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Budgeting for clothes, hobbies, etc...
Replies: 6
Views: 719

Re: Budgeting for clothes, hobbies, etc...

28fe6 wrote: Fri Aug 17, 2018 5:16 pm My film budget is $50/mo, because that's what I can afford. Goes pretty fast at $6/roll. Choose your shots.
Ha, fat chance for me! I shoot 4x5. ~$135 per 100 sheets. Choose your shots, no kidding!
by macandal
Fri Aug 17, 2018 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Budgeting for clothes, hobbies, etc...
Replies: 6
Views: 719

Budgeting for clothes, hobbies, etc...

That's it. How do you budget for clothes and my hobby (photography, film not digital). I realized I needed a line for this after getting rid of lots of clothes in my closet that no longer fit. Also, after realizing that I'm dipping into my savings to buy film, and other materials, and really dipping...
by macandal
Fri Mar 09, 2018 7:32 pm
Forum: Personal Investments
Topic: Changes in my work's fund offerings. CITs?
Replies: 10
Views: 1051

Re: Changes in my work's fund offerings. CITs?

I think we may be in the same system... and I have similar feelings about the changes. I don't like the lack of continuity and really don't like the increasing opacity when going from: stocks --> mutual funds --> ETF's --> CIT's. Conceptually, CIT's seem interesting. But so did CDO's. I can't help ...
by macandal
Tue Feb 27, 2018 5:27 pm
Forum: Personal Investments
Topic: Closed funds
Replies: 18
Views: 3832

Re: Closed funds

cfs wrote: Tue Feb 27, 2018 4:05 pm Wow, thanks for the muchacho . . . feeling younger now, the last time I was called a muchacho was about six decades ago.
Well, it's hard to gauge ages online. So, when in doubt, flatter!
by macandal
Tue Feb 27, 2018 3:42 pm
Forum: Personal Investments
Topic: Closed funds
Replies: 18
Views: 3832

Re: Closed funds

If I remember right, Primecap, Primecap Core, and Capital Opportunity did open to new investors after the 2008 financial markets debacle, then closed again after reaching their closing threshold. All three are open to Flagship members with $25k yearly max on Primecap and Capital Opportunity, no yea...
by macandal
Tue Feb 27, 2018 3:40 pm
Forum: Personal Investments
Topic: Closed funds
Replies: 18
Views: 3832

Re: Closed funds

celia wrote: Tue Feb 27, 2018 3:00 pm They close when they have more money coming in than they can invest, given the goal of the fund...
Thanks.
by macandal
Tue Feb 27, 2018 3:39 pm
Forum: Personal Investments
Topic: Closed funds
Replies: 18
Views: 3832

Re: Closed funds

02nz wrote: Tue Feb 27, 2018 3:09 pm It varies a lot by fund family....
Thanks.
by macandal
Tue Feb 27, 2018 3:38 pm
Forum: Personal Investments
Topic: Closed funds
Replies: 18
Views: 3832

Re: Closed funds

There's significant overlap between the funds, so if you want to buy the closed PRIMECAP, then Odyssey Growth might be the closest alternative. Same goes for PRIMECAP Core and Odyssey Stock. (Capital Opportunity and Odyssey Aggressive Growth are the closest pair in the mid growth category, but they...
by macandal
Tue Feb 27, 2018 2:39 pm
Forum: Personal Investments
Topic: Closed funds
Replies: 18
Views: 3832

Closed funds

How often are "Closed funds" open to new investors? Or are they ever reopened to new investors? I was interested in VPMCX, POAGX, RPMGX, FDGRX, JATTX, OTCFX, VHCOX, and MERDX--to name a few--but they're all closed to new investors. This is not for my retirement fund or anything. This would...
by macandal
Fri Feb 02, 2018 2:23 pm
Forum: Personal Investments
Topic: Move from Capital One Investing
Replies: 3
Views: 773

Re: Move from Capital One Investing

Is Vanguard a full fledged brokerage firm? I mean, besides their mutual funds, can you also trade stocks?
by macandal
Mon Jan 29, 2018 8:15 pm
Forum: Personal Investments
Topic: Move from Capital One Investing
Replies: 3
Views: 773

Move from Capital One Investing

I just found out that my Capital One Investing account will be managed by E*Trade beginning sometime this year. If I am okay with the move, I do nothing and my account will be moved for me. Should I stay with E*Trade or look for something better? This is not my retirement account. This is a personal...
by macandal
Fri Jan 19, 2018 6:31 pm
Forum: Personal Investments
Topic: Changes in my work's fund offerings. CITs?
Replies: 10
Views: 1051

Re: Changes in my work's fund offerings. CITs?

ThriftyPhD wrote: Fri Jan 19, 2018 5:47 pmIn your 401k, you should be able to see a prospectus on each fund and get a lot more information on what index they track, what is in the fund, etc.
We don't have these yet. I've asked for them but nothing so far.