Search found 137 matches

by Outafter20
Sat Dec 08, 2018 3:02 pm
Forum: Investing - Help with Personal Investments
Topic: Best Re-balancing technique . . .
Replies: 20
Views: 1395

Re: Best Re-balancing technique . . .

I "balance" biweekly with new contributions to keep my asset allocation at a firm 70/30 (no international).

I "rebalance" anytime my asset allocation bands dip 5%.
by Outafter20
Mon Nov 19, 2018 9:50 am
Forum: Investing - Theory, News & General
Topic: Vanguard lowering Admiral level to $3,000?
Replies: 224
Views: 17266

Re: Vanguard lowering Admiral level to $3,000?

ResearchMed wrote:
Mon Nov 19, 2018 9:48 am
The ever present asterisk:

"*Investor Shares will still be used in certain situations, such as in retirement plans and fund-of-funds investments."

Too bad.

What percent of Vanguard holdings are in "retirement plans" - anyone know approximately?

RM
Ah I missed that.
by Outafter20
Mon Nov 19, 2018 9:47 am
Forum: Investing - Theory, News & General
Topic: Vanguard lowering Admiral level to $3,000?
Replies: 224
Views: 17266

Re: Vanguard lowering Admiral level to $3,000?

The million dollar question - will the LifeStrategy and Target Retirement funds use the Admiral shares now?
by Outafter20
Mon Oct 29, 2018 8:45 pm
Forum: Investing - Theory, News & General
Topic: 401k down 8% this month
Replies: 58
Views: 6861

Re: 401k down 8% this month

My 457 is down about 8% as well. The last few months I have been directing 100% of my biweekly contributions into the stable value fund (my "bond" allocation) to keep my target asset allocation at 70/30. Today I switched my contributions over to 100% equities for the same reason.
by Outafter20
Sat Oct 27, 2018 10:03 am
Forum: Investing - Theory, News & General
Topic: Vanguard to offer non-Vanguard ETFs commission-free
Replies: 245
Views: 24102

Re: Vanguard to offer non-Vanguard ETFs commission-free

I sold IXUS last week and was charged $.09 commission. Is the vanguard commission free only for buying ETFs and not selling? That is the SEC fee. It doesn't go to Vanguard. Thanks. Is this the fee I’m charged for selling any ETF? On any brokerage? Yes, you would pay the same amount at any brokerage...
by Outafter20
Sat Oct 27, 2018 9:57 am
Forum: Investing - Theory, News & General
Topic: Vanguard to offer non-Vanguard ETFs commission-free
Replies: 245
Views: 24102

Re: Vanguard to offer non-Vanguard ETFs commission-free

Bulgogi Head wrote:
Sat Oct 27, 2018 9:49 am
I sold IXUS last week and was charged $.09 commission. Is the vanguard commission free only for buying ETFs and not selling?
That is the SEC fee. It doesn't go to Vanguard.
by Outafter20
Sat Oct 20, 2018 5:56 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1353
Views: 229472

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

transferred our two Roth IRA accounts from TD Ameritrade to Merrill Edge. Were you a legacy TD Ameritrade customer where they waived the transfer fee? Otherwise, how were the transfer fees charged? TD Ameritrade, if you were an APEX customer, used to waive the transfer fees. My wife transferred her...
by Outafter20
Tue Aug 21, 2018 5:00 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to offer non-Vanguard ETFs commission-free
Replies: 245
Views: 24102

Re: Commission Free Non-Vanguard ETFs Now Live

Well, the benefits of having higher balances at Vanguard keep getting reduced. Sorry, but that's the only negative thing I could think of for this. It's good news. If you are Flagship, you get a free checking account (Advantage Account) with Vanguard . There are still benefits to higher balances. :...
by Outafter20
Mon Aug 20, 2018 7:31 am
Forum: Investing - Theory, News & General
Topic: Question regarding roll-over of 401(k) and pension into IRA
Replies: 8
Views: 600

Re: Question regarding roll-over of 401(k) and pension into IRA

I got a very specific question. I will lay out the situation below and then ask the question. At my old job, I had a pension component and a 401(k). I have initiated a direct rollover of the pension account into a rollover IRA account at Vanguard. My question is this: Can I rollover the 401(k) into...
by Outafter20
Tue Aug 14, 2018 1:51 pm
Forum: Investing - Help with Personal Investments
Topic: Asked my advisor about fees and here's their reply
Replies: 60
Views: 8937

Re: Asked my advisor about fees and here's their reply

Schwab does not offer a total international stock index fund, both Vanguard and Fidelity do. Schwab has an international stock index fund: https://www.schwab.com/public/schwab/investing/investment_help/investment_research/mutual_fund_research/mutual_funds.html?&&path=%2Fprospect%2Fresearch%2Fmutual...
by Outafter20
Sun Aug 12, 2018 8:16 am
Forum: Investing - Theory, News & General
Topic: "Don't Obsess About Expense Ratios"
Replies: 240
Views: 22161

Re: "Don't Obsess About Expense Ratios"

"I Rather than lowering the minimums or ER for Investor shares, what I would like see Vanguard do is create Admiral shares of the Target Retirement funds, with perhaps a $25K or $50K minimum."

Or do what Schwab does and use ETFs.
by Outafter20
Thu Aug 02, 2018 7:56 am
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 762
Views: 78857

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

Abigail Johnson wouldn't allow a "loss leader" to exist. She just wouldn't. I have heard for years here that everyone, except Vanguard uses loss leaders for....I don't know what reason. That's a bunch of BS. What I do believe is that Schwab, Fidelity and TDA are far more efficient in their operatio...
by Outafter20
Wed Aug 01, 2018 8:33 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1353
Views: 229472

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I'm a little confused by the Etrade Bonus discussion earlier. I can see that Etrade has a $1200 bonus for $500K transfer. https://us.etrade.com/what-we-offer/how-it-works/brokerage From previous messages, I gather that it's possible to get $1500 for $500K transfer ? Do you have to ask a rep ? There...
by Outafter20
Wed Aug 01, 2018 7:00 pm
Forum: Investing - Theory, News & General
Topic: Total net assets vs total share class assets
Replies: 2
Views: 203

Re: Total net assets vs total share class assets

Different share classes of each fund (Investor, Admiral, ETF, Institutional). It's how much money is in each share class of the same fund.
by Outafter20
Sun Jul 29, 2018 3:39 pm
Forum: Investing - Theory, News & General
Topic: I’m still not a fan of international bond funds
Replies: 226
Views: 25338

Re: I’m still not a fan of international bond funds

My question: I'll concede that international bond funds are not necessary. But are they to be actively AVOIDED? It's debatable whether they are "necessary" but to actively avoid them would be absurd IMHO. +1. Target Date Funds that are far out (2045-2065) have a total of 3-5% allocation to internat...
by Outafter20
Fri Jul 27, 2018 1:00 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to offer non-Vanguard ETFs commission-free
Replies: 245
Views: 24102

Re: Vanguard to offer non-Vanguard ETFs commission-free

Fascinating shift then, and yes even though there is probably a Pareto/long tail distribution of ~80% of assets to a small number of ETFs, have a large menu of choices for $0 is appealing The problem is the "large menu of choices" (at TD Ameritrade, for example) is merely a marketing gimmick since ...
by Outafter20
Sun Jul 22, 2018 6:06 pm
Forum: Investing - Help with Personal Investments
Topic: 529 strategy?
Replies: 17
Views: 1219

Re: 529 strategy?

I have been a NY 529 account plan member for 13+ years. Couldn't be happier.
by Outafter20
Mon Jul 02, 2018 10:50 am
Forum: Investing - Theory, News & General
Topic: Vanguard to offer non-Vanguard ETFs commission-free
Replies: 245
Views: 24102

Re: Vanguard to offer non-Vanguard ETFs commission-free

Maybe Ameritrade will go back to offering some Vanguard ETFs commission free.
by Outafter20
Sun Jun 24, 2018 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Question about NY 529 plan
Replies: 7
Views: 529

Re: Question about NY 529 plan

md01 wrote:
Sun Jun 24, 2018 7:14 pm
Outafter20,
Just to be clear, you're saying I can do option #2 and claim tax deduction on the $10000 while filing MFJ?
Absolutely. $10,000 is the maximum deduction when filing MFJ.
by Outafter20
Sun Jun 24, 2018 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Question about NY 529 plan
Replies: 7
Views: 529

Re: Question about NY 529 plan

Hello, I am just starting out on setting up a 529 plan for my child. I am an NYC resident, and plan to contribute through the direct plan offered by NY state as detailed here: https://www.nysaves.org/ In reading about it, I understand we can claim state tax deductions on contributions of up to $500...
by Outafter20
Sat Jun 23, 2018 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 379
Views: 37169

Re: What is/ was your career and would you recommend it now?

Law Enforcement in one of the largest metropolitan areas in the country. Sad to say I would not recommend it to this generation of job seekers. Too many people second guess every move you make, including your own executive management. That being said, the job has been very good to me. I hit 25 years...
by Outafter20
Fri Jun 01, 2018 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance rates increasing?
Replies: 9
Views: 764

Re: Insurance rates increasing?

Is it just me, or is anybody else seeing large insurance premium increases? My homeowners' rate increased 22%. Umbrella policy increased 21%. When I ask the insurance companies for the reasoning or justification, all they tell me is that the underwriter said there are increases across the board. My...
by Outafter20
Mon May 14, 2018 6:03 pm
Forum: Investing - Help with Personal Investments
Topic: Did you go 100% Cash-FDIC in 529 at HS graduation or before?
Replies: 13
Views: 1279

Re: Did you go 100% Cash-FDIC in 529 at HS graduation or before?

I decided to lock in my gains over the past 10 years in a 529 for 2 college-aged kids. Still have one finishing 9th grade @l 40/30/30 (S/B/C). Did you go to cash at age 18 or different AA? We just moved our daughter's 529 account into 50/50 (she is finishing 8th grade). We plan on going 25/75 in 2 ...
by Outafter20
Sun May 06, 2018 6:15 pm
Forum: Investing - Help with Personal Investments
Topic: E-Trade ETF equivalent for VTSAX (Vanguard Total Stock Market Index Fund Admiral Shares)?
Replies: 10
Views: 1320

Re: E-Trade ETF equivalent for VTSAX (Vanguard Total Stock Market Index Fund Admiral Shares)?

Nothing wrong with etrade now. However, commission free ETF trades change all the time (like Ameritrade did with VTI).

I would go with Vanguard.
by Outafter20
Sun Apr 29, 2018 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard RMD Service
Replies: 14
Views: 2688

Re: Vanguard RMD Service

I don't think you can have the distributions go to a sweep account if you use the RMD service. I believe all distributions have to be reinvested. Hmm. That would seem strange to me. In an account with ETFs, why couldn't I have the dividends go to the sweep account? I would think this would be indep...
by Outafter20
Sun Apr 29, 2018 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard RMD Service
Replies: 14
Views: 2688

Re: Vanguard RMD Service

Page 14 under "distribution options." Thanks, Huey. I was not aware of that. It sounds like a possible reason not to hold ETFs or non-Vanguard funds in a Vanguard IRA. Not an insurmountable problem but perhaps a nuisance. A nuisance, yes. I found this thread as a result of a search about a question...
by Outafter20
Fri Apr 27, 2018 10:21 pm
Forum: Personal Consumer Issues
Topic: How did you tell the boss you're leaving/retiring?
Replies: 129
Views: 11297

Re: How did you tell the boss you're leaving/retiring?

I have been telling my boss over the last year that I am retiring June 30, 2020.
by Outafter20
Fri Apr 27, 2018 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: How long have you been unemployed?
Replies: 60
Views: 6657

Re: How long have you been unemployed?

Fortunately never. I had part time jobs all through high school and college and got my first "real" job just a few weeks after I graduated college in June 1995. I thought about retiring 3 years ago but figured I would do 25 years so I will retire in 2020.
by Outafter20
Sun Apr 22, 2018 6:37 pm
Forum: Investing - Help with Personal Investments
Topic: Opinions on SPTM ETF in taxable for US stock index fund
Replies: 33
Views: 2665

Re: Opinions on SPTM ETF in taxable for US stock index fund

:shock: I didn’t think it would be that small! What can State Street do? Reverse split? That would be nice, but that spread is how SSGA can afford to offer such low ERs and pay TDA to feature these funds. :oops: Note that SPDR (the largest, most liquid SSGA ETF) is not among the list of commission ...
by Outafter20
Wed Apr 18, 2018 10:47 pm
Forum: Investing - Help with Personal Investments
Topic: Balanced vs 2025 vs 2 fund portfolio
Replies: 8
Views: 1505

Re: Balanced vs 2025 vs 2 fund portfolio

I think deep down this is what I have been leaning towards. I do like the simplicity and you make a good point that being in a tax deferred account making changes isn't as big as a deal as in a taxable account. Also being in VIABX it would give me less of chance to tinker. Of course we all know tha...
by Outafter20
Sat Apr 07, 2018 7:21 pm
Forum: Investing - Help with Personal Investments
Topic: If you want an actively managed fund, which one would you use?
Replies: 70
Views: 6741

Re: If you want an actively managed fund, which one would you use?

I am trying to use mostly passive index funds for most of y portfolio. However, if you were to add one actively managed fund to your mix which one would it be? Presuming that most posters on the forum would either pick a fund managed by either Primecap or Wellington, which of those two firms do you...
by Outafter20
Sat Apr 07, 2018 7:11 pm
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age? and, Why?
Replies: 163
Views: 15712

Re: What is your AA, given your age? and, Why?

1.) I am 45, wife is 50. 2.) We are 70/30 (no international) and plan on going down to 60/40 and stay there permanently when I retire in 2 years. 3.) Pension will more than cover our monthly expenses. 4.) No mortgage on our house in HCOL area. Plan on moving to LCOL area when our daughter finishes h...
by Outafter20
Wed Apr 04, 2018 10:32 pm
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade and Qualified Dividends (ETFs)
Replies: 1
Views: 298

TD Ameritrade and Qualified Dividends (ETFs)

Just curious with anyone here who uses TD Ameritrade for their taxable accounts. Is TDA accurate in reporting which dividends are qualified? Specifically dividends paid by ETFs (Vanguard or otherwise).
by Outafter20
Mon Mar 19, 2018 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement will cost the average American $828,000
Replies: 36
Views: 6451

Re: Retirement will cost the average American $828,000

dknightd wrote:
Mon Mar 19, 2018 6:38 pm
randomguy wrote:
Mon Mar 19, 2018 2:22 pm
The article is a quickly written piece of click bait.
That was my impression as well.
Most of the Motley Fool articles these days are click bait.
by Outafter20
Tue Feb 20, 2018 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: 529 Contributions
Replies: 6
Views: 817

Re: 529 Contributions

uclalee wrote:
Tue Feb 20, 2018 4:58 pm
Does anyone know if there are rules regarding the contribution and then withdrawal of funds to a 529? Could one theoretically deposit X amount of money in a 529 then withdrawal all the money a few months later to pay for tuition, and still claim the state tax deduction?
New York's 529 allows it.
by Outafter20
Mon Feb 19, 2018 3:18 pm
Forum: Investing - Help with Personal Investments
Topic: Scottrade migration to TDAM
Replies: 12
Views: 1281

Re: Scottrade migration to TDAM

I made the decision to transfer my Scottrade account to Vanguard, not because of the TDAM sale, but to simplify and to lower any trading costs. I went through the whole online process and then found I can't make anything happen until after the 26th. I also found the cost to close the Scottrade acco...
by Outafter20
Mon Feb 19, 2018 11:51 am
Forum: Investing - Help with Personal Investments
Topic: Scottrade migration to TDAM
Replies: 12
Views: 1281

Re: Scottrade migration to TDAM

I made the decision to transfer my Scottrade account to Vanguard, not because of the TDAM sale, but to simplify and to lower any trading costs. I went through the whole online process and then found I can't make anything happen until after the 26th. I also found the cost to close the Scottrade acco...
by Outafter20
Sun Feb 18, 2018 9:22 pm
Forum: Investing - Theory, News & General
Topic: Target Retirement Fund Question
Replies: 20
Views: 1903

Re: Target Retirement Fund Question

The problem with your question is that nobody can predict the future.As unlikely as it sounds,Vanguard may not even be here in 2060.I am 66 and setting up a plan for my RMD’s in 4 years and am thinking about all the things that could happen in that short span.Huge market crash,war,health issues,War...
by Outafter20
Wed Feb 14, 2018 10:18 pm
Forum: Investing - Help with Personal Investments
Topic: Is VTI really "total stock market" with only 1478 holdings?
Replies: 17
Views: 4144

Re: Is VTI really "total stock market" with only 1478 holdings?

hazlitt wrote:
Wed Feb 14, 2018 10:17 pm
Well, then big egg on my face. I was looking at www.etfdb.com.

I don't know how to insert images, but here are the links. Am I missing something?

http://etfdb.com/etf/VTI/#holdings
http://etfdb.com/etf/VXUS/#holdings
I have used www.etfdb.com before and I find then to be inaccurate.
by Outafter20
Tue Feb 13, 2018 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: Should I claim chapter 7 bankruptcy? debt 110k
Replies: 64
Views: 7750

Re: Should I claim chapter 7 bankruptcy? debt 110k

You had $300k to invest last June that you apparently put all in SPY. Now you lost $500k. Where did the extra $200k come from? Just get more from that source and pay off your debt. And you haven't had any income, so how can you owe $20k in taxes? None of this makes any sense. Are we being trolled? ...
by Outafter20
Wed Jan 31, 2018 12:32 am
Forum: Investing - Help with Personal Investments
Topic: VWELX [Vanguard Wellington]
Replies: 50
Views: 9758

Re: VWELX [Vanguard Wellington]

BigRed1949 wrote:
Wed Jan 24, 2018 12:18 pm
VWELX is shown as closed by Morningstar.
It's closed if you buy it outside of a Vanguard account. You can still buy directly from Vanguard.
by Outafter20
Sat Jan 13, 2018 9:04 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Personal Advisory Services Fees
Replies: 49
Views: 5255

Re: Vanguard Personal Advisory Services Fees

I'd recommend a single-fund portfolio of one of the Life Strategy funds or one of the Target Retirement funds with instructions to not change or do anything on your demise. Vanguard will figure out any required minimum distributions at no cost and with only one fund, there's only one fund to take i...
by Outafter20
Fri Dec 29, 2017 10:06 pm
Forum: Investing - Help with Personal Investments
Topic: Taking the plunge into Bogle-Style Investing.
Replies: 15
Views: 1384

Re: Taking the plunge into Bogle-Style Investing.

What's the advantage of transferring the IRAs "in kind" since you will be moving the money into different Fidelity mutual funds anyway? Just convert them to cash (money market) at your current mutual fund company, then perform the "trustee to trustee" transfer to the new Fidelity IRA. bill I think ...
by Outafter20
Fri Dec 29, 2017 8:43 pm
Forum: Investing - Help with Personal Investments
Topic: Will I be taxed again on my 401k?
Replies: 28
Views: 2295

Re: Will I be taxed again on my 401k?

Double taxation it is. Thanks for all the help. Florida here I come. That was always a consideration for me and my wife as to whether we should contribute to pretax or Roth IRAs and 401(k)/457s. Besides being in a somewhat high Federal tax bracket up to now (28%), we also pay 10.4% in NYS and NYC t...
by Outafter20
Fri Dec 29, 2017 8:27 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for a Good Asset Allocation
Replies: 3
Views: 898

Re: Looking for a Good Asset Allocation

Hello! I am a long time reader that wants to get some feedback on my portfolio. I have been saving for the past 5 years while trying to follow the Boglehead philosophy. However, I figured it would be better to get some feedback from you all. I also found out about a new Roth option and want to know...
by Outafter20
Fri Dec 29, 2017 8:15 pm
Forum: Investing - Help with Personal Investments
Topic: NY Gov. Cuomo Allows NY Tax Prepayment - but counties still have final say
Replies: 5
Views: 1122

Re: NY Gov. Cuomo Allows NY Tax Prepayment - but counties still have final say

The towns in Nassau County, NY are allowing prepayment of 2018 General Taxes. These are not estimated taxes, but assessed taxes with the exact amount. I spoke to my CPA today and he informed me these amounts would be deductible.
by Outafter20
Fri Dec 29, 2017 8:07 pm
Forum: Investing - Help with Personal Investments
Topic: Will I be taxed again on my 401k?
Replies: 28
Views: 2295

Re: Will I be taxed again on my 401k?

The opposite is also true. If you move to the OP's state or a state without an income tax, you could avoid all state taxes on the 401k. Bingo. I live in Connecticut and work in NY. 401(k) contributions aren't taxed by either state when earned, only when withdrawn. When the time comes, I will move f...
by Outafter20
Fri Dec 29, 2017 3:32 pm
Forum: Investing - Help with Personal Investments
Topic: LifeStrategy Income Fund - Only 20% stocks?
Replies: 20
Views: 2597

Re: LifeStrategy Income Fund - Only 20% stocks?

Not responsive to your question, but I find it interesting that the VG LS Income fund is 20/80 while the TR Income fund is 30/70. Can someone explain this apparent discrepancy on the part of the VG decision makers? Not sure. However, if the VG LS fund was 30/70 or the TR Income Fund was 20/80, you ...