Search found 121 matches

by bei22000
Wed Jan 08, 2020 8:41 am
Forum: Personal Investments
Topic: Does anyone own FSDAX Defense fund?
Replies: 34
Views: 1492

Re: Does anyone own FSDAX Defense fund?

I was asking really if anyone had this fund. Not to be made fun of. I do. I mostly follow the Bogleheads investment strategy with my 401 K. For my Roth, I have a small amount play money buying "active manged funds" & individual stocks. This fund has been performed so well & an impressive gain in th...
by bei22000
Tue Jan 07, 2020 10:44 am
Forum: Personal Investments
Topic: Taxes on cashing out universal life policy
Replies: 9
Views: 388

Re: Taxes on cashing out universal life policy

that sounds a good plan. definitely need to get rid of the Prudential Life Ins.
by bei22000
Sun Dec 29, 2019 9:41 pm
Forum: Personal Investments
Topic: Parking money in VMMXX until Roth - good or no?
Replies: 25
Views: 2049

Re: Parking money in VMMXX until Roth - good or no?

My take is that if the money is destined for a Roth, but can't get there, then it might as well be invested in a taxable account in similar if not identical investments. Example: It's November and you have $6,000 to add to VTSAX in your Roth, but it isn't 2020 yet. I think you might as well invest ...
by bei22000
Fri Dec 27, 2019 12:18 pm
Forum: Personal Investments
Topic: Exit strategy from Edward Jones - Novice
Replies: 75
Views: 5670

Re: Exit strategy from Edward Jones - Novice

You should absolutely move out. We moved ours from Nationwide, Pacific Life & American Funds set up by a FA at my husband's workplace a few yrs ago to VG & FD and now are so happy seeing all the differences.
by bei22000
Fri Dec 20, 2019 12:32 pm
Forum: Personal Investments
Topic: May I expedite early retirement?
Replies: 71
Views: 7113

Re: May I expedite early retirement?

How are your parents finances? If you might have to support them financially someday then that could be a big factor. There is a very reasonable chance that at least one of them will live to be 95+ years old or even older. You also need to rerun your numbers as if you were living in Spain near your...
by bei22000
Fri Nov 22, 2019 9:11 am
Forum: Personal Investments
Topic: 403b Mutual of America vs T Rowe Price
Replies: 26
Views: 1380

Re: 403b Mutual of America vs T Rowe Price

Without much of the details, I would always go with the lower fee given TRP is one of the good companies.
by bei22000
Thu Nov 21, 2019 9:38 am
Forum: Personal Investments
Topic: Fidelity Intermediate Municipal Strategy
Replies: 21
Views: 1535

Re: Fidelity Intermediate Municipal Strategy

I asked the same questions last yr for my "3-5 yrs emergency fund" investing. If your tax rate is high, muni bonds make more sense. For me, since my tax rate is not so high, I invest some in bond funds, some in CD, rest in a MM...
by bei22000
Thu Nov 21, 2019 9:06 am
Forum: Personal Investments
Topic: Do you keep deposting money into IRA while "market crashes"?
Replies: 44
Views: 4302

Re: Do you keep deposting money into IRA while "market crashes"?

thelateinvestor43 wrote:
Thu Nov 21, 2019 1:43 am
If (hopefully it won't happen) the market crashes would I continue to still feed money into my Roth IRA?
since most people can't predict the "dips", I normally do DCA. If seeing a 5% correction, I would buy more.
by bei22000
Thu Nov 21, 2019 8:43 am
Forum: Investing - Theory, News & General
Topic: "The Simple Path to Wealth" -- A Gem
Replies: 46
Views: 22269

Re: "The Simple Path to Wealth" -- A Gem

How do we view this? How do you feel about putting all your chips on one country? That is exactly the point that I am not quite sure. Are these mega companies with oversea operations considered " international" corporations? I guess it all depends on personal view-no right or wrong answer. Currentl...
by bei22000
Wed Nov 20, 2019 3:48 pm
Forum: Personal Investments
Topic: Tax-efficiency confusion!
Replies: 22
Views: 1329

Re: TAX-EFFICIENCY CONFUSION!

A lot depends. You have to separate out dividends (yield, qualified percentage), tax bracket, long term vs short term, capital gains distributions, and realized gains. The answer is not general; it is situational so perhaps that's the reason for confusion. Life would be simpler if there was always ...
by bei22000
Wed Nov 20, 2019 2:03 pm
Forum: Investing - Theory, News & General
Topic: "The Simple Path to Wealth" -- A Gem
Replies: 46
Views: 22269

Re: "The Simple Path to Wealth" -- A Gem

I just have happened to read that book too “SIMPLE PATH TO A WEALTH”. The only thing that I see quite unique from this book is that he said there is no need investing international index funds to get more diversification since most of SP 500 companies are international corporations by nature. How do...
by bei22000
Wed Nov 20, 2019 12:00 pm
Forum: Personal Investments
Topic: Tax-efficiency confusion!
Replies: 22
Views: 1329

Re: TAX-EFFICIENCY CONFUSION!

A lot depends. You have to separate out dividends (yield, qualified percentage), tax bracket, long term vs short term, capital gains distributions, and realized gains. The answer is not general; it is situational so perhaps that's the reason for confusion. Life would be simpler if there was always ...
by bei22000
Wed Nov 20, 2019 11:34 am
Forum: Personal Investments
Topic: Tax-efficiency confusion!
Replies: 22
Views: 1329

Re: TAX-EFFICIENCY CONFUSION!

.... Our household income is only $145K to $150K/yr currently. We are 10 yrs away from retirement .... This suggests to me that you are over age 50 and perhaps that you both have jobs. If so and you each have a 401(k) or 403(b), then it might be possible to contribute $25,000 each to each of your 4...
by bei22000
Wed Nov 20, 2019 10:59 am
Forum: Personal Investments
Topic: Tax-efficiency confusion!
Replies: 22
Views: 1329

Re: TAX-EFFICIENCY CONFUSION!

I'll try to make it very simple. First, don't forget about your asset allocation and don't forget that you should make sure to use tax-advantaged accounts to the fullest extent that you can. That is, if you don't have enough income to be able to maximize your tax-advantaged account contributions, t...
by bei22000
Wed Nov 20, 2019 10:47 am
Forum: Personal Investments
Topic: Tax-efficiency confusion!
Replies: 22
Views: 1329

Re: TAX-EFFICIENCY CONFUSION!

Thank you so much for all the help. My AA is about 60-70% equity scattered in different accounts both tax-sheltered or ordinary accounts. Our household income is only $145K to $150K/yr currently. We are 10 yrs away from retirement & I am trying to consolidate them in a simple & tax-efficient way as...
by bei22000
Wed Nov 20, 2019 10:29 am
Forum: Personal Investments
Topic: Tax-efficiency confusion!
Replies: 22
Views: 1329

Re: TAX-EFFICIENCY CONFUSION!

Thank you so much for all the help. My AA is about 60-70% equity scattered in different accounts both tax-sheltered or ordinary accounts. Our household income is only $145K to $150K/yr currently. We are 10 yrs away from retirement & I am trying to consolidate them in a simple & tax-efficient way as ...
by bei22000
Wed Nov 20, 2019 9:08 am
Forum: Personal Investments
Topic: Tax-efficiency confusion!
Replies: 22
Views: 1329

Tax-efficiency confusion!

Over the years, I have read quite a few investment books and lots of articles. As for tax efficiency purpose, some suggest we should HOLD fix income such as bonds in tax-advantaged accounts & equity investments in taxable brokerage accounts. While others have a totally opposite view, their advice is...
by bei22000
Fri Nov 15, 2019 9:46 am
Forum: Personal Investments
Topic: Your most difficult and your most euphoric investing moments
Replies: 24
Views: 1916

Re: Your most difficult and your most euphoric investing moments

Most difficult time was during 2008 . My portfolio was almost halved. I saw my retirement date moving way out. Most euphoric moment was when all investment accounts added up to over 1m. Couldn’t believe it. thank you for your tips. Cheers for your milestone reaching 1m :beer by the way, what is you...
by bei22000
Fri Nov 15, 2019 9:29 am
Forum: Personal Investments
Topic: Your most difficult and your most euphoric investing moments
Replies: 24
Views: 1916

Re: Your most difficult and your most euphoric investing moments

My most difficult time is now where the market is high to the point I don't know if I should continue on investing in Total Stock Market Funds or go more conservative. :o That is why I come here a lot to find some support/help so I can control my emotion and stay the course.
by bei22000
Wed Nov 13, 2019 12:19 pm
Forum: Personal Investments
Topic: Strategy for transitioning to Bogle
Replies: 10
Views: 532

Re: Strategy for transitioning to Bogle

If they are in a tax advantaged account, transferring is much easier. Get some paperwork from VG, do a in-kind transferal, and you are done.
by bei22000
Tue Nov 12, 2019 10:11 am
Forum: Personal Investments
Topic: Investing $140k in cash at 1k per week
Replies: 174
Views: 12735

Re: Investing $140k in cash at 1k per week

If you don't feel comfortable with all at once try it over 12 months. Invest on the first of each month and if it crashes then go all in. That way you are not 100% wrong or 100% right in your decision. And not leaving money on the table for that extra year doing nothing. I totally agree with this a...
by bei22000
Sun Nov 10, 2019 11:28 pm
Forum: Personal Investments
Topic: Is it a good time to transfer my inflation protected securities balance to the S&P 500
Replies: 20
Views: 1675

Re: Is it a good time to transfer my inflation protected securities balance to the S&P 500

If I were you, I would wait now or dollar cost average to invest. SP500 is record high right now. $30,000 is not much but it is good that you increase the contribution. I would suggest DCA to invest for the market like this.
by bei22000
Tue Oct 29, 2019 9:40 am
Forum: Personal Investments
Topic: What to do with a "full service" 2M managed portfolio?
Replies: 15
Views: 1985

Re: What to do with a "full service" 2M managed portfolio?

Having managed this transition from a consistently under-performing, similarly sized portfolio at MorganStanley on behalf of a relative over the past few years, here are a few pointers I'd suggest: -Previous commenters have mentioned stock holdings and trading costs, and they're correct about that,...
by bei22000
Thu Oct 24, 2019 2:50 pm
Forum: Investing - Theory, News & General
Topic: www.portfoliocharts.com ... "The Coolest Portfolio Tool on the Web"?
Replies: 256
Views: 59068

Re: www.portfoliocharts.com ... "The Coolest Portfolio Tool on the Web"?

Very interesting website. Without further digging through the website or researching more, just wondering which portfolios are for conservative investors, or more downturn protected? Any suggestions. Thank you. I would recommend checking out the Portfolio Matrix . You can sort by a variety of diffe...
by bei22000
Wed Oct 23, 2019 12:38 pm
Forum: Investing - Theory, News & General
Topic: www.portfoliocharts.com ... "The Coolest Portfolio Tool on the Web"?
Replies: 256
Views: 59068

Re: www.portfoliocharts.com ... "The Coolest Portfolio Tool on the Web"?

Very interesting website. Without further digging through the website or researching more, just wondering which portfolios are for conservative investors, or more downturn protected? Any suggestions. Thank you.
by bei22000
Tue Oct 15, 2019 1:02 pm
Forum: Personal Investments
Topic: Finally moving from high yield savings to Vanguard
Replies: 32
Views: 3243

Re: Finally moving from high yield savings to Vanguard

What are your other accounts? You don't need all the funds in each account. Roth IRA should (in a perfect world) be all stocks. Total US + Total International (season to taste) or Total World. Put your bonds in 401k/workplace or Traditional space. Again, it all depends on individual's situations. I...
by bei22000
Tue Oct 01, 2019 11:26 am
Forum: Investing - Theory, News & General
Topic: Press Release 10/1/19--Vanguard Adds To Its Active Lineup With Launch Of International Core Stock Fund
Replies: 68
Views: 7845

Vanguard International Core Stock Fund

[Merged here by moderator oldcomputerguy] I have got news from my email that vanguard just launched a new fund "Vanguard International Core Stock Fund" for $10/share. I do have some cash in money market with my roth ira account. In additional to my 7 funds (core) portfolio (index-based), is it wort...
by bei22000
Wed Sep 25, 2019 1:18 pm
Forum: Personal Investments
Topic: Merrill Lynch Advisor wants to meet for coffee
Replies: 108
Views: 10145

Re: Merrill Lynch Advisor wants to meet for coffee

It is very normal. Tell you I have got more "free stuff" than you :wink: . My husband & I have about 10 yrs to our retirement. I don't know where/how they got our information. About 2 yrs ago, we started getting so called "free" steak house dinner invitations, free financial education seminars, freq...
by bei22000
Thu Jul 11, 2019 11:25 am
Forum: Personal Investments
Topic: Not happy with one FA allocation: PBRIX
Replies: 37
Views: 2292

Re: Not happy with one FA allocation: PBRIX

One reminder is that some funds have early redemption fees if you withdraw them within 60 days after purchase. Need to find out.
by bei22000
Tue Jul 02, 2019 2:24 pm
Forum: Personal Investments
Topic: Help with retirement allocation and old annuity
Replies: 2
Views: 244

Re: Help with retirement allocation and old annuity

Do you have Social Security Income? No 401K ? based on your posted assets, if I were you, I probably would pay off the debt using the 250,000 cash.
by bei22000
Tue Jun 18, 2019 1:55 pm
Forum: Personal Investments
Topic: Help me Built a Dividend Growth Investment Portfolio
Replies: 33
Views: 5495

Re: Help me Built a Dividend Growth Investment Portfolio

As I am approaching my retirement (about 10-12 yrs), I want to gradually develop a more conservative portfolio with both tax-free and taxable accounts. I would like to invest in more value-based equity earning dividends so I will have some monthly income down the road. Dividends are simply part of ...
by bei22000
Tue Jun 18, 2019 1:27 pm
Forum: Personal Investments
Topic: Cashing out an inherited IRA or not?
Replies: 11
Views: 1234

Re: Cashing out an inherited IRA or not?

this is a very hard decision that no one can tell to what to do without knowing lots of your personal information. In general, if you had enough savings in your retirement account, why not?
by bei22000
Fri Jun 07, 2019 3:09 pm
Forum: Personal Investments
Topic: General Retirement Portfolio Review & Questions
Replies: 15
Views: 1607

Re: General Retirement Portfolio Review & Questions

Listen to other people here and fire your financial advisor asap. I had a similar situation 12 years ago and FA got a very complicated portfolio mix which was very difficult to even comprehend. My fee was 1.5% of asset. I I moved my to fidelity and husband ‘s to vanguard. They are doing much better...
by bei22000
Fri Jun 07, 2019 3:04 pm
Forum: Personal Investments
Topic: Fidelity® SAI U.S. Low Volatility Index Fund (FSUVX)
Replies: 3
Views: 626

Re: Fidelity® SAI U.S. Low Volatility Index Fund (FSUVX)

thank you so much. that is a great suggestion :sharebeer Actually I am planning to retire in 10-12 yrs and starting paying more attention on conservative/stable funds.
by bei22000
Fri Jun 07, 2019 9:30 am
Forum: Personal Investments
Topic: Fidelity® SAI U.S. Low Volatility Index Fund (FSUVX)
Replies: 3
Views: 626

Fidelity® SAI U.S. Low Volatility Index Fund (FSUVX)

Someone was talking about investing in Fidelity Low Volatility Index fund for 401K account. As I checked the fidelity website, it is closed to new investors. does anyone know if vanguard or other companies have a similar funds? or is the fund really a good investment for a retirement account? thank ...
by bei22000
Thu May 30, 2019 10:50 pm
Forum: Personal Investments
Topic: General Retirement Portfolio Review & Questions
Replies: 15
Views: 1607

Re: General Retirement Portfolio Review & Questions

Listen to other people here and fire your financial advisor asap. I had a similar situation 12 years ago and FA got a very complicated portfolio mix which was very difficult to even comprehend. My fee was 1.5% of asset. I I moved my to fidelity and husband ‘s to vanguard. They are doing much better ...
by bei22000
Fri May 10, 2019 9:33 am
Forum: Personal Investments
Topic: Target Funds VS Three Funds with OPERS
Replies: 9
Views: 900

Re: Target Funds VS Three Funds with OPERS

I personally think TR funds are actually a more complicated investment than buying a three fund portfolio even if rebalancing is automatically managed. dbr: Would you be kind enough to explain your statement? As much as I like The Three-Fund Portfolio I've long believed a single target fund is less...
by bei22000
Thu May 09, 2019 9:15 pm
Forum: Personal Investments
Topic: Target Funds VS Three Funds with OPERS
Replies: 9
Views: 900

Re: Target Funds VS Three Funds with OPERS

I'm in OPERS too; all of the funds I've seen are very low cost and you can implement either strategy effectively. Are you ok with the set glide path of the target fund you are looking at or would you like to have more control over the mix? Correct. If a person chooses the target retirement funds th...
by bei22000
Thu May 09, 2019 9:07 pm
Forum: Personal Investments
Topic: Target Funds VS Three Funds with OPERS
Replies: 9
Views: 900

Re: Target Funds VS Three Funds with OPERS

I'm in OPERS too; all of the funds I've seen are very low cost and you can implement either strategy effectively. Are you ok with the set glide path of the target fund you are looking at or would you like to have more control over the mix? I would like to have some control but don’t know if it’s ne...
by bei22000
Thu May 09, 2019 11:01 am
Forum: Personal Investments
Topic: Target Funds VS Three Funds with OPERS
Replies: 9
Views: 900

Target Funds VS Three Funds with OPERS

My current retirement is with Ohio Public Employment System. The system offers target funds made of 4 index funds with a low cost, like 0.02% and as well as 6 individual index funds, such as Large stock index fund, total stock index fund, international funds, small cap funds, bond funds & stable val...
by bei22000
Wed Apr 24, 2019 9:38 am
Forum: Personal Investments
Topic: Close Vanguard and go all in with Fidelity?
Replies: 109
Views: 13882

Re: Close Vanguard and go all in with Fidelity?

I have accounts in both places. Not significant difference-each has its own pros & cons. If I were you, I would just keep using both.
by bei22000
Wed Apr 24, 2019 9:34 am
Forum: Personal Investments
Topic: State retirement plan charging too much monthly fees?
Replies: 5
Views: 506

Re: State retirement plan charging too much monthly fees?

I have been with OPERS with over 14 yrs. they only have index funds right now. If you want to have more choices, they allow you to invest 50% of your money in charles schwab as an alternative. I don't think the $5 fee is too high and just a flat rate of monthly service charge regardless how big/smal...
by bei22000
Wed Apr 17, 2019 12:30 pm
Forum: Investing - Theory, News & General
Topic: VHT / XBI / XLV holders (healthcare)
Replies: 27
Views: 2098

Re: Vanguard Health Care ETF

I have only owned a very small percentage of sector funds & majority of my investments are with broad market indexes.
by bei22000
Wed Apr 17, 2019 11:42 am
Forum: Investing - Theory, News & General
Topic: VHT / XBI / XLV holders (healthcare)
Replies: 27
Views: 2098

Vanguard Health Care ETF

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

I have owned Vanguard Health Care ETF for two yrs. Recently, due to the "HEALTH CARE FOR ALL", the VHT has dropped almost 3%. I am thinking of adding more to my existing VHT? any suggestions? thank you.
by bei22000
Tue Apr 09, 2019 11:12 am
Forum: Personal Investments
Topic: Lump Sum Investment Dilemma
Replies: 14
Views: 1537

Re: Lump Sum Investment Dilemma

Thank you all for the valued information. I will look into more factors and then decide what to do.... :sharebeer
by bei22000
Tue Apr 09, 2019 8:34 am
Forum: Personal Investments
Topic: Lump Sum Investment Dilemma
Replies: 14
Views: 1537

Re: Lump Sum Investment Dilemma

I will invest 50% in total us stock market index funds and 20% in total international index funds & rest in fix income. Thank you for your advise. I am planning to help children buy their first homes. They may or may not need this money-just planning. I will do 80% fix income 20% in stock funds the...
by bei22000
Tue Apr 02, 2019 12:22 pm
Forum: Personal Investments
Topic: Lump Sum Investment Dilemma
Replies: 14
Views: 1537

Re: Lump Sum Investment Dilemma

I’d lump sum but also be aware 5-10 years is short for equity, regardless of the markets valuation... +1. Even 70/30 allocation seems aggressive to me for 5-10 years. I would be essentially 100% fixed income at 5 years. I might sneak in a small amount of equities at a 10 year time horizon. To each ...
by bei22000
Tue Apr 02, 2019 11:32 am
Forum: Personal Investments
Topic: Lump Sum Investment Dilemma
Replies: 14
Views: 1537

Re: Lump Sum Investment Dilemma

I will look for tax-favorable mutual funds then. Thank you. bei22000: Low cost Total US Stock Market Index Funds and Total International Index Funds are very tax-favorable mutual funds and usually ideal for taxable accounts. Best wishes. Taylor I will invest 50% in total us stock market index funds...
by bei22000
Tue Apr 02, 2019 11:08 am
Forum: Personal Investments
Topic: Lump Sum Investment Dilemma
Replies: 14
Views: 1537

Re: Lump Sum Investment Dilemma

I will look for tax-favorable mutual funds then. Thank you.