Search found 13 matches

by BD w/ Kung-Fu Grip
Mon Dec 03, 2018 4:19 pm
Forum: Investing - Theory, News & General
Topic: "When's the Right Time to Take RMDs?" – (Christine Benz's Latest Column)
Replies: 45
Views: 7206

Re: "When's the Right Time to Take RMDs?" – (Christine Benz's Latest Column)

sport wrote:
Mon Dec 03, 2018 3:40 pm
Conversion of RMDs is not permitted.
That's why I asked. In that case, the advice would have been to call a tax attorney.
by BD w/ Kung-Fu Grip
Mon Dec 03, 2018 12:21 pm
Forum: Investing - Theory, News & General
Topic: "When's the Right Time to Take RMDs?" – (Christine Benz's Latest Column)
Replies: 45
Views: 7206

Re: "When's the Right Time to Take RMDs?" – (Christine Benz's Latest Column)

Given that my RMD's come from inherited IRA's. I have been taking them at end of year and dumping to Roth IRA's. Any better ideas on this approach? To clarify, are you converting your RMDs to Roth IRAs, or are you contributing up to the greater of the Roth IRA legal maximum or 100% of your earned i...
by BD w/ Kung-Fu Grip
Wed Nov 21, 2018 3:58 pm
Forum: Investing - Theory, News & General
Topic: my review of my HSA with Saturna brokerage
Replies: 161
Views: 44181

Re: my review of my HSA with Saturna brokerage

I plan to. Currently holding off because half of mine is invested in VTSAX, so I'm waiting to see if I can have that held at Fidelity with Vanguard's changes. I figure even if I can't dodge the $75 closing fee, the savings on trading fees and convenience of being able to do small trades will be wel...
by BD w/ Kung-Fu Grip
Tue May 01, 2018 7:53 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8628
Views: 1681823

Re: U.S. stocks in freefall

The S&P 500 index closed yesterday at about the same level as it did on Dec 15, 2017, so all those ups and downs in the last four and a half months have been like running in place: lots of energy expended with no real progress. Do people have expectation that every quarter / month /week should show...
by BD w/ Kung-Fu Grip
Tue Feb 06, 2018 12:14 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8628
Views: 1681823

Re: U.S. stocks in freefall

First it's great that this thread has been running since 2011... Hope to check back in a year or 10 on it. I'm feeling like current horror sequel is "International Stocks in Freefall Too* I was thinking along the lines of @parsi1 's post, about the arguable value of international. As of late, there...
by BD w/ Kung-Fu Grip
Fri Oct 06, 2017 8:29 am
Forum: Investing - Help with Personal Investments
Topic: Trying to convince my sister not to use a financial advisor
Replies: 59
Views: 5979

Re: Trying to convince my sister not to use a financial advisor

tfb wrote:
Thu Oct 05, 2017 5:34 pm
Family is different than just coworkers. I will take the blame to save my sister.
It's not that simple. If the market tanks and she blames you, she may then end up bailing out at the worst moment. Then you've got the blame and you didn't save her.
by BD w/ Kung-Fu Grip
Wed Aug 16, 2017 7:51 am
Forum: Investing - Theory, News & General
Topic: "Vanguard fund shareholders encouraged to vote as proxy campaign gets under way."
Replies: 89
Views: 28042

Re: "Vanguard fund shareholders encouraged to vote as proxy campaign gets under way."

And finally, how exactly did this get proposed? If it's Vanguard, I find it disturbing that they want to inject politics into their investment decisions. From the look of it, any shareholder can propose pretty much anything. I wrote to the secretary requesting details on the proponents (the letter ...
by BD w/ Kung-Fu Grip
Wed Jul 26, 2017 7:35 am
Forum: Investing - Theory, News & General
Topic: Vanguard upgraded my accounts - angry [Brokerage Services]
Replies: 222
Views: 33554

Re: Vanguard upgraded my accounts - angry [Brokerage Services]

You'll know when yours appears, because Vanguard will email you repeatedly about it. Yeah, Vanguard sent me email #2 this morning. :P I've had three, and the nag message every login. But my employer-sponsored SIMPLE account can't be migrated, apparently. I'm resisting because I don't want to be stu...
by BD w/ Kung-Fu Grip
Wed Jul 12, 2017 7:53 am
Forum: Investing - Help with Personal Investments
Topic: Where to put 65k cash
Replies: 64
Views: 6617

Re: Where to put 65k cash

carguy1993 wrote:I just started a 401k at my job and they will match 3% so I put 7% in there. I make 30k a year before taxes.
Why not 60%? Pay no taxes for the year by effectively putting ~16k of your 65k into your 401k.
by BD w/ Kung-Fu Grip
Thu Jun 15, 2017 8:13 am
Forum: Investing - Help with Personal Investments
Topic: Changing to include Emergency Fund as part of asset allocation - best way to do this?
Replies: 23
Views: 2656

Re: Changing to include Emergency Fund as part of asset allocation - best way to do this?

I am still actively contributing to my SIMPLE IRA every two weeks. Are you saying that I could set up my own SIMPLE IRA (for example, at Vanguard versus the manager of my employer plan) and get my employer to send future contributions there? Yes to the first part, "it depends" to the second. Your e...
by BD w/ Kung-Fu Grip
Wed Jun 14, 2017 2:30 pm
Forum: Investing - Help with Personal Investments
Topic: Changing to include Emergency Fund as part of asset allocation - best way to do this?
Replies: 23
Views: 2656

Re: Changing to include Emergency Fund as part of asset allocation - best way to do this?

My SIMPLE IRA is invested in a target-date fund that is currently 80/20 (one of the only good options available), so until I leave my current job and roll it over into a traditional IRA, adding bonds there would not be an option. The funds in your SIMPLE IRA are not locked into your employer. You c...
by BD w/ Kung-Fu Grip
Thu May 11, 2017 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Best HSA (2017)
Replies: 190
Views: 43510

Re: Best HSA (2017)

Unless I miss something, the method with Saturna is to invest thusly: 1. In Vanguard (or Fidelity) for accounts under $2,500 (including the 12.50 inactivity fee, the effective ER is 0.54% at $2,500) 2. T. Rowe PREIX as suggested by duckcalldan for $2,500 < balance < $5,952 (by trading once per year,...