Search found 79 matches

by 1030danielle
Sun Aug 02, 2020 9:06 am
Forum: Personal Investments
Topic: Monte Carlo on Portfolio Visualizer vs Vanguard Nest Egg
Replies: 8
Views: 1031

Re: Monte Carlo on Portfolio Visualizer vs Vanguard Nest Egg

I don't think given all the nuances involved in such models that 80% and 95% are different numbers. It might be more interesting to see what changes in the input, such as spending, determine the edge of the cliff where your result falls off from highly successful to highly not successful. I just di...
by 1030danielle
Sun Aug 02, 2020 8:26 am
Forum: Personal Investments
Topic: Monte Carlo on Portfolio Visualizer vs Vanguard Nest Egg
Replies: 8
Views: 1031

Re: Monte Carlo on Portfolio Visualizer vs Vanguard Nest Egg

With a 6% WR (withdrawal rate) sequence of returns becomes a problem. Here's some info that might help you. https://www.thebalance.com/withdrawal-rate-lasting-savings-2388529 Paul Paul, Thank you for this link. It has some information that I hadn’t really seen before on P&E ratio, and on the se...
by 1030danielle
Fri Jul 31, 2020 9:52 pm
Forum: Personal Investments
Topic: $1 million invested over next 20 years; help with AA
Replies: 10
Views: 926

Re: $1 million invested over next 20 years; help with AA

1030danielle wrote: Fri Jul 31, 2020 9:43 pm Are EE bonds the same as I bonds, as below?
https://www.bogleheads.org/wiki/I_Bonds_vs_TIPS
Never mind. I see that they are not. :-)
by 1030danielle
Fri Jul 31, 2020 9:52 pm
Forum: Personal Investments
Topic: $1 million invested over next 20 years; help with AA
Replies: 10
Views: 926

Re: $1 million invested over next 20 years; help with AA

I really don't mean to be a downer. However, if you worked say another 5 years there wouldn't be any question on this forum that you could "make it 15 years." If you quit now, do you know how much your pension will be? I would guess it would be a lot smaller than if you worked another 5 y...
by 1030danielle
Fri Jul 31, 2020 9:29 pm
Forum: Personal Investments
Topic: $1 million invested over next 20 years; help with AA
Replies: 10
Views: 926

Re: $1 million invested over next 20 years; help with AA

I don't have the numbers, but I would think a 50/50 allocation of stocks and conventional bonds could pretty safely get you a 20 year withdrawal rate of 4-5%, which is your goal. To extent you can modify your withdrawal slightly downwards during a market downturn you can pull out a little more. I'd...
by 1030danielle
Fri Jul 31, 2020 9:27 pm
Forum: Personal Investments
Topic: $1 million invested over next 20 years; help with AA
Replies: 10
Views: 926

Re: $1 million invested over next 20 years; help with AA

Do you have retirement income besides Social Security after the 20 years? What’s your total net worth? What do you currently spend per year? What do you want to spend in retirement? At first glance, seems like you’ll be fine and I would recommend a 70/30 or 60/40 as higher equity will help you go t...
by 1030danielle
Fri Jul 31, 2020 7:44 pm
Forum: Personal Investments
Topic: $1 million invested over next 20 years; help with AA
Replies: 10
Views: 926

$1 million invested over next 20 years; help with AA

Hi gang, One of my financial goals is to take $1M from inherited assets (in my taxable brokerage account) and make it last as an income source for me over the next 20 years. I am 47 now. In 20 years is when social security and pension will kick in, and when I plan to start drawing from my Roth, tIRA...
by 1030danielle
Wed Jul 29, 2020 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: Fee only Financial planners
Replies: 32
Views: 4995

Re: Fee only Financial planners

a year. I will say that the piece I needed the most guidance with initially was the piece that no one could or would do for me . It's the piece that falls between the cracks, and it's what convinced me that no one would do a better job with this than I could. That piece is the "how" and &...
by 1030danielle
Tue Jul 28, 2020 11:09 am
Forum: Personal Investments
Topic: Help with early retirement and inherited assets; thanks in advance :)
Replies: 10
Views: 1745

Re: Help with early retirement and inherited assets; thanks in advance :)

The list of stocks is indeed a mess. You want to document the basis at the date of death. That's YOUR basis. I didn't see where the stocks are held. If they aren't at a free-to-sell broker, move them all, then sell them all and buy into your 3 fund. You're not yet married. Straighten out YOUR inves...
by 1030danielle
Tue Jul 28, 2020 11:02 am
Forum: Personal Investments
Topic: Help with early retirement and inherited assets; thanks in advance :)
Replies: 10
Views: 1745

Re: Help with early retirement and inherited assets; thanks in advance :)

-Getting rid of individual stock positions can be a complex process. If these were recently inherited, the basis should be "stepped up," meaning that you inherited them at the price on the day the individual died. Therefore, selling them should not incur a big tax hit. You should look at ...
by 1030danielle
Tue Jul 28, 2020 10:26 am
Forum: Personal Investments
Topic: Help with early retirement and inherited assets; thanks in advance :)
Replies: 10
Views: 1745

Re: Help with early retirement and inherited assets; thanks in advance :)

markcoop wrote: Sat Jul 25, 2020 6:42 pm - You can get an estimate of SS if you stop working now by going to ssa.tools and entering the information.
Thanks for this tool. I found it very helpful. :)
by 1030danielle
Sun Jul 26, 2020 1:04 pm
Forum: Personal Investments
Topic: Help with early retirement and inherited assets; thanks in advance :)
Replies: 10
Views: 1745

Re: Help with early retirement and inherited assets; thanks in advance :)

I agree... there’s a lot going on in this post. I was following the Asking Portfolio Questions guide on the wiki https://www.bogleheads.org/wiki/Asking_portfolio_questions , but it seems breaking down my questions in more palatable bites might’ve served as well. The info on social security was helpf...
by 1030danielle
Sat Jul 25, 2020 6:00 pm
Forum: Personal Investments
Topic: Help with early retirement and inherited assets; thanks in advance :)
Replies: 10
Views: 1745

Help with early retirement and inherited assets; thanks in advance :)

Hi gang. Here’s a long one. Brief summary: I inherited some money over the past year, completely upsetting my 3-fund portfolio but increasing my net worth greatly. I plan to marry in the next few months. My fiance (age 57) and I (age 47) don’t want to work again, and I think we have the means to do ...
by 1030danielle
Sat Jul 18, 2020 5:16 pm
Forum: Personal Investments
Topic: Monte Carlo on Portfolio Visualizer vs Vanguard Nest Egg
Replies: 8
Views: 1031

Monte Carlo on Portfolio Visualizer vs Vanguard Nest Egg

Hi gang, I've been crunching some numbers and am getting different results between the Monte Carlo simulations at Portfolio Visualizer and the one on Vanguard called Retirement Nest Egg Calculator. I know I am somewhat comparing apples to oranges, and there is much less transparency and input flexib...
by 1030danielle
Fri Jun 12, 2020 7:41 pm
Forum: Personal Investments
Topic: Making a purchase with inherited money
Replies: 11
Views: 1351

Re: Making a purchase with inherited money

I think this is enough to tell me how much I need to still find out. :)

I will set up an appointment with my accountant. I always find it helpful to put out feelers with Bogleheads buddies ... your questions and answers help me think of things I haven’t thought of before.

Thank you :)
by 1030danielle
Fri Jun 12, 2020 3:31 pm
Forum: Personal Investments
Topic: Making a purchase with inherited money
Replies: 11
Views: 1351

Making a purchase with inherited money

Hi gang, Both my mother and stepfather died within the past year, leaving me a decent inheritance. I have now 4 new inherited accounts — a Roth and a tIRA from both of them — plus a Trust. I want to purchase something that costs around 5 percent of the total inheritance. Does it matter which account...
by 1030danielle
Thu May 28, 2020 11:54 am
Forum: Personal Investments
Topic: Is Vanguard's Personal Advisor Service Worth It???
Replies: 138
Views: 11668

Re: Is Vanguard's Personal Advisor Service Worth It???

My experience with a long-term care policy: My stepfather had paid for a policy starting at about age 70. He paid roughly $6,000 annually for the premium. He got very weak and frail earlier this year, at age 84. In March, it was apparent he could no longer care for himself and would need 24/7 superv...
by 1030danielle
Sun May 17, 2020 10:31 am
Forum: Personal Investments
Topic: Large inheritance -- looking for advice
Replies: 65
Views: 10241

Re: Large inheritance -- looking for advice

I’m curious what the OP ended up doing.
This has been an informative thread for me, as both my mother and stepfather died within the last year.
—Danielle
by 1030danielle
Sun Apr 26, 2020 10:41 am
Forum: Personal Investments
Topic: Possible to transfer a Trust from other firms to Vanguard?
Replies: 1
Views: 171

Possible to transfer a Trust from other firms to Vanguard?

Recently, I became trustee of three Trust accounts at three firms (Vanguard, Fidelity, TRowe). Being a Boglehead, I prefer vanguard. The Trust will have to pay out funds to beneficiaries once expenses of the estate are paid, and I’m trying to take my role as fiduciary seriously. I am gathering info ...
by 1030danielle
Fri Nov 22, 2019 10:56 am
Forum: Personal Investments
Topic: Cost basis and making distribution from a trust
Replies: 7
Views: 419

Cost basis and making distribution from a trust

Hi gang! My accountant is out of town for thanksgiving and I’m hoping ya’ll can help me out instead. I’m trustee and am making a partial distribution to three beneficiaries from my late mother’s trust. My accountant told me (during a conversation a few weeks ago) to tell the beneficiaries what the c...
by 1030danielle
Sat Nov 16, 2019 11:29 am
Forum: US Chapters
Topic: South Florida Local Chapter
Replies: 480
Views: 122932

Re: South Florida Local Chapter

Thanks, Miriam.
I hope to make this one.
🙂
by 1030danielle
Sat Nov 16, 2019 10:41 am
Forum: Investing - Theory, News & General
Topic: [Fidelity Health Savings Account Mega-Thread]
Replies: 1099
Views: 128258

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th [2018]

Hi gang, It seems a good amount of folks transferred their HSA investments to fidelity when the latter started offering HSAs last year. I’m in the process of deciding between Lively and Fidelity, and I’m wondering what your experiences (customer service, funds offered, ease of use, etc) have been no...
by 1030danielle
Mon Jul 29, 2019 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Applying for EIN after becoming trustee: SS-4 and online
Replies: 6
Views: 924

Re: Applying for EIN after becoming trustee: SS-4 and online

I did end up speaking to my accountant and she helped me file the EIN request online. We are doing fiscal year. I didn’t want the lawyer to apply because I didn’t want to spend the money on something that was easy to do alone, and since I am not crazy about this lawyer, I don’t want to reward him wi...
by 1030danielle
Mon Jul 22, 2019 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Applying for EIN after becoming trustee: SS-4 and online
Replies: 6
Views: 924

Applying for EIN after becoming trustee: SS-4 and online

Hi gang, I'm the executor and trustee of my mom's estate and trust. As I'm filling out the paperwork for an EIN for the trust, I am getting confused. The online form and the hard-copy form SS-4 (to apply for EIN) have slightly different questions. I am not sure which form -- SS4 or online -- is the ...
by 1030danielle
Fri Jul 19, 2019 12:35 pm
Forum: Personal Investments
Topic: Are there any tips / best practices for an Inherited IRA?
Replies: 27
Views: 5477

Re: Are there any tips / best practices for an Inherited IRA?

I've found this thread informative, as I've just inherited both a Roth and TIRA. Always so much to learn here on this forum. After reading some of the comments, I'm wondering what the benefit of a traditional IRA really is, if its spending power -- due to taxes -- may be weaker compared to Roth and ...
by 1030danielle
Tue Jun 25, 2019 10:36 am
Forum: Personal Investments
Topic: Does annuity payout to beneficiary count as income?
Replies: 4
Views: 688

Does annuity payout to beneficiary count as income?

I will be receiving a lump sum as a beneficiary of my mothers’s annuity following her death. I know the payout from her annuity will be taxed as ordinary income. But for other purposes (such as filling out an application for health care coverage under ACA), does that lump sum count as income? Thanks...
by 1030danielle
Tue May 21, 2019 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: How to be an executor
Replies: 22
Views: 4115

Re: How to be an executor

Jim gave a pretty good basic summary of the steps involved with probate. However, the executors/beneficiary(ies) should be aware that many things are not estate assets and transfer completely outside of probate and are generally not subject to creditors: Any assets already in the trust and/or asset...
by 1030danielle
Sun May 19, 2019 7:44 am
Forum: Personal Finance (Not Investing)
Topic: [Death in family - First steps to pay beneficiaries?]
Replies: 6
Views: 667

[Death in family - First steps to pay beneficiaries?]

[Moved into a stand-alone topic from: Father passed - First steps to taking over finances? --admin LadyGeek] Lots of good information in this post. Somewhat related question: debts, taxes etc must be paid before beneficiaries receive money. Is it safe to “assume” vanguard won’t pay beneficiaries un...
by 1030danielle
Sun Sep 23, 2018 12:47 am
Forum: Investing - Theory, News & General
Topic: Has anyone gone to a Retirement Wealth Academy seminar?
Replies: 17
Views: 5580

Re: Has anyone gone to a Retirement Wealth Academy seminar?

Thanks, all. I appreciate the input. It certainly seemed fishy when the ages and dollar amount was listed.
Cheers,
Danielle
by 1030danielle
Sat Sep 22, 2018 10:59 am
Forum: Investing - Theory, News & General
Topic: Has anyone gone to a Retirement Wealth Academy seminar?
Replies: 17
Views: 5580

Has anyone gone to a Retirement Wealth Academy seminar?

I’ve been seeing some ads recently on my Facebook feed for this free seminar from “Retirement Wealth Academy,” and I’m wondering if anyone here has ever heard of this “Academy” or gone to one of their events? In the FAQ, they say they are not selling anything, but they are directing the seminar at a...
by 1030danielle
Sun Aug 05, 2018 1:10 am
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 814
Views: 98645

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

I have went through a few pages of this thread, but not all 9. Hi. This helped shed light for me: If we liked Vanguard back when it was "cheapest," and now Acme is "cheapest," we should now like Acme better than Vanguard. Smectym We also like Vanguard (and continue to do so) bec...
by 1030danielle
Thu Aug 02, 2018 1:29 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 814
Views: 98645

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

It’s dawning me that all this talk about the minutiae of this change reminds me of how I got mired in the devilish details before deciding on the simple three-fund portfolio. I kept trying to create the “perfect” portfolio before deciding on the “good enough” portfolio. Trying to remind myself now t...
by 1030danielle
Wed Aug 01, 2018 10:49 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 814
Views: 98645

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

Some thoughts: - Let's say you have $100,000 in VTSAX (Vanguard Total Stock Market). Your ER is .04, so your annual expense is $40/year. To move to Fidelity, you have to sell your existing holdings, incurring capital gains taxes, and then you will save $40/year. How long will it take to recoup the ...
by 1030danielle
Wed Aug 01, 2018 10:38 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 814
Views: 98645

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

That said, it seems like Fidelity's program isn't that efficient on the face of it. If I look at Vanguard Total Market, 92% of the gross lending revenue is left after expenses. On Fidelity's, it's only 39 %. Hi there. Can you tell me your source on this? Also, please excuse my ignorance, but what m...
by 1030danielle
Wed Aug 01, 2018 10:12 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 814
Views: 98645

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

Do you think this no-fee index fund will lure you away from Vanguard? The numbers are sort of compelling.

Image
by 1030danielle
Sat Jan 27, 2018 1:59 am
Forum: US Chapters
Topic: South Florida Local Chapter
Replies: 480
Views: 122932

Re: South Florida Local Chapter

Thanks for posting the photos!
It’s always a treat to see bogleheads in the real world.
Danielle
by 1030danielle
Tue Jan 02, 2018 10:57 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3404
Views: 571472

Re: What are you up YTD? [Year To Date]

Retirement
+ 21.4%
AA 90/10
International 7%

Non-Retirement
+ 18.8%
AA 85/15
International 9%

This is according to the “Personal performance” feature on Vanguard.
by 1030danielle
Wed Dec 20, 2017 7:15 pm
Forum: Personal Investments
Topic: Pros/Cons of buying stock in December?
Replies: 3
Views: 731

Re: Pros/Cons of buying stock in December?

I mean stock shares, and it's a taxable account.
by 1030danielle
Wed Dec 20, 2017 6:08 pm
Forum: Personal Investments
Topic: Pros/Cons of buying stock in December?
Replies: 3
Views: 731

Pros/Cons of buying stock in December?

Hi --
Is there anything in particular to be aware of before making a stock purchase in December?
Any end-of-the-year weirdness?
Thanks!
Danielle
by 1030danielle
Sun Nov 26, 2017 1:26 pm
Forum: Investing - Theory, News & General
Topic: Tax Basics Cheatsheet?
Replies: 9
Views: 1979

Re: Tax Basics Cheatsheet?

If you look at Form 1040 and follow the instructions for lines 8, 9 and 13 you can learn a lot about taxation of non-retirement accounts. https://www.irs.gov/pub/irs-pdf/i1040gi.pdf Thanks for the above ... it did help. I also found this handy dandy chart (when distributions are paid) that gave inf...
by 1030danielle
Tue Nov 21, 2017 12:05 am
Forum: Investing - Theory, News & General
Topic: Tax Basics Cheatsheet?
Replies: 9
Views: 1979

Tax Basics Cheatsheet?

Hi Bogleheads, Does anyone know of some sort of graphic (or other visual) or cheat sheet that gives a rundown of the major points to know about taxes and nonretirement accounts? Like, what number(s) should my eye be drawn to right away? It seems like whenever I look at Vanguard, I always get mired d...
by 1030danielle
Mon Nov 20, 2017 11:42 pm
Forum: US Chapters
Topic: South Florida Local Chapter
Replies: 480
Views: 122932

Re: South Florida Local Chapter

Hello hello! I plan to attend the Jan. 21 local event.
Danielle
by 1030danielle
Tue Oct 03, 2017 10:44 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3404
Views: 571472

Re: What are you up YTD?

Toons wrote: Tue Aug 26, 2014 5:05 pm I don't know but it appears my investment portfolio is worth more than it was this time last year,,and I have been spending money along the way,,,,this is the way long term investing is supposed to work,,methinks :happy
Well said!
Cheers,
Danielle
by 1030danielle
Wed Apr 05, 2017 1:44 pm
Forum: Investing - Theory, News & General
Topic: When a company is bought out, what happens to the stock (like with Panera/Krispy Kreme)?
Replies: 34
Views: 6630

When a company is bought out, what happens to the stock (like with Panera/Krispy Kreme)?

So, news reports today say that an investment firm is buying Panera at $x per share and that, if the deal is finalized, Panera would be privately held. What does that mean for people who own individual stock in Panera? Are we forced to sell the stock?
Thanks in advance!
Danielle
by 1030danielle
Wed Mar 15, 2017 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO auto rates vs. USAA: too good to be true?
Replies: 210
Views: 56872

Re: GEICO auto rates vs. USAA: too good to be true?

I've been with GEICO 22 years and qualify for all the discounts they offer. I recently researched quotes to increase my coverage, and when I did, I found that Traveler's beat GEICO by about $500/year. (Travelers 1900/year; Geico $2400/year) This is the coverage I am seeking: Bodily Injury $250,000 E...
by 1030danielle
Mon Mar 13, 2017 11:47 am
Forum: Personal Investments
Topic: ISO advice on my portfolio (retirement and otherwise)
Replies: 12
Views: 1408

Re: ISO advice on my portfolio (retirement and otherwise)

Most believe traditional 401K is better in the 25% tax bracket because retirement in the 25% is not very common. Using tax deferred for $18K contribution in the 25% tax bracket saves $4500 in taxes. If you retire in the 15% tax bracket, you've saved 10%. If you retire in the 25% bracket, you pay th...
by 1030danielle
Mon Mar 13, 2017 11:28 am
Forum: Personal Investments
Topic: ISO advice on my portfolio (retirement and otherwise)
Replies: 12
Views: 1408

Re: ISO advice on my portfolio (retirement and otherwise)

Even 80% equities is WAY aggressive at age 44, IMO I hear ya on this one, and i wondered the same. I did some more exploring and found that even vanguard target-date funds in my range are close to 90-10. I even checked out TRowe Price's and Fidelity's asset allocations for target date funds, which ...
by 1030danielle
Mon Mar 13, 2017 11:02 am
Forum: Personal Investments
Topic: ISO advice on my portfolio (retirement and otherwise)
Replies: 12
Views: 1408

Re: ISO advice on my portfolio (retirement and otherwise)

I don't remember my rationale for holding a lot of the stuff that I choose 10 years ago. I'm sure speculation played a role, but now I am trying to avoid speculation. Now that I've been reading a lot of the information about index funds and simplified portfolios, I'm ready to make a more informed de...