Search found 19 matches

by Johnsson
Sun Oct 15, 2017 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: [How to get started buying stocks]
Replies: 11
Views: 711

Re: Stocks

Do no buy stocks until you know more (if ever). Mutual funds are generally more appropriate. Start here... https://www.bogleheads.org/wiki/Bogleheads®_investment_philosophy and here... https://www.bogleheads.org/wiki/Three-fund_portfolio Search this forum and read how others have gotten started. The...
by Johnsson
Sun Oct 15, 2017 4:13 pm
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 104
Views: 5596

Re: How does everyone keep track of your portfolio?

Ditto on the Excel. Data entry on the 1st of the month (or so) with auto calculations for rebalancing.

Several tabs... plus list of accounts w/login info, projections, IPS ... all for DW to ponder and/or throw away when I'm gone.
by Johnsson
Tue Oct 10, 2017 5:19 pm
Forum: Investing - Help with Personal Investments
Topic: Investments for benefit of Special Needs sibling...
Replies: 9
Views: 589

Re: Investments for benefit of Special Needs sibling...

I manage a SNT for my brother-in-law and have chosen the Vanguard Tax Managed Balanced Fund for him. About as simple as it gets and gives me the same 50/50 split of assets, though of course it lacks some of the tax exemption you have. Not sure how performance compares. Are you hit with capital gain...
by Johnsson
Tue Oct 10, 2017 5:14 pm
Forum: Investing - Help with Personal Investments
Topic: Investments for benefit of Special Needs sibling...
Replies: 9
Views: 589

Re: Investments for benefit of Special Needs sibling...

I had posted in August trying to decide if we wanted to fund a special needs trust (https://www.bogleheads.org/forum/viewtopic.php?f=2&t=226354) We've decided to forego the special needs trust and ABLE, at least for now, maybe forever. We are setting aside funds (in my mothers VG account) to be use...
by Johnsson
Tue Oct 10, 2017 9:45 am
Forum: Investing - Help with Personal Investments
Topic: Investments for benefit of Special Needs sibling...
Replies: 9
Views: 589

Re: Investments for benefit of Special Needs sibling...

My sister is in her early 60s and has always lived with our parents. Our plan is for her to continue on in a continuing care community where she lives with Mom, volunteers and has built relationships. We can move this money into the trust if needs be. My research makes me believe that a SNT or ABLE ...
by Johnsson
Tue Oct 10, 2017 7:59 am
Forum: Investing - Help with Personal Investments
Topic: Investments for benefit of Special Needs sibling...
Replies: 9
Views: 589

Investments for benefit of Special Needs sibling...

I had posted in August trying to decide if we wanted to fund a special needs trust (https://www.bogleheads.org/forum/viewtopic.php?f=2&t=226354) We've decided to forego the special needs trust and ABLE, at least for now, maybe forever. We are setting aside funds (in my mothers VG account) to be used...
by Johnsson
Thu Oct 05, 2017 7:18 am
Forum: Personal Finance (Not Investing)
Topic: That blank stare... ?
Replies: 49
Views: 2856

That blank stare... ?

Does anyone else get that blank stare from their spouse when you say two words about investing? My DW cares not one little bit about what is done with our money. I make all changes to accounts (including her 401k) because otherwise it wouldn't get done. She assumes than retirement magically happens ...
by Johnsson
Sun Aug 27, 2017 7:41 am
Forum: Personal Finance (Not Investing)
Topic: Special Needs Trust - Do we need it??
Replies: 23
Views: 1775

Re: Special Needs Trust - Do we need it??

Could be. I should ask Mom...
by Johnsson
Fri Aug 25, 2017 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Special Needs Trust - Do we need it??
Replies: 23
Views: 1775

Re: Special Needs Trust - Do we need it??

I stand corrected. SSDI. (Sorry. This is a new game for me.) Any thoughts about a proper place for the investment? I'm thinking... VSCGX (58 Equity, 42 Bond). I want the fund to be objectively correct, with a minimum of personal influence (to minimize the opportunity for anyone to say I invested in ...
by Johnsson
Fri Aug 25, 2017 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Special Needs Trust - Do we need it??
Replies: 23
Views: 1775

Re: Special Needs Trust - Do we need it??

Thank you all... much good information. SSI benefits are for a disabled child, receiving 1/2 of my Dad's amount. It looks like that would be reduced by ~$265 if funds provided from trust. Taxes of 39.6% for income over $12,400 if monies placed in trust. WOW! Obviously we don't want to the fund trust...
by Johnsson
Fri Aug 25, 2017 6:13 am
Forum: Personal Finance (Not Investing)
Topic: Special Needs Trust - Do we need it??
Replies: 23
Views: 1775

Re: Special Needs Trust - Do we need it??

Thank you all for your input. My hesitance in using the trust is that special needs trusts CAN'T be used to fund basic needs (such as room & board, a.k.a. the $4,000 a month). The preponderance of money held for her benefit would have to be held in spme other way. My sister can't have more than $2k ...
by Johnsson
Thu Aug 24, 2017 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Special Needs Trust - Do we need it??
Replies: 23
Views: 1775

Special Needs Trust - Do we need it??

Hi folks. Years ago my parents made a special needs trust for my sister which has yet to be funded. My mother and I are her legal guardians. My sister lives with my mother in a continuing care community where my sister volunteers and is emotionally connected. Our plan is for her to stay in the commu...
by Johnsson
Thu Jul 27, 2017 5:19 pm
Forum: Investing - Help with Personal Investments
Topic: New employer won't except rollover without Letter of Determination 403b
Replies: 2
Views: 303

Re: New employer won't except rollover without Letter of Determination 403b

Don't roll into your new company. It will likely limit your choices and may have high fees. Roll into a self-directed IRA at Vanguard and put money into a 3 fund portfolio.
by Johnsson
Tue Jul 18, 2017 7:33 am
Forum: Investing - Help with Personal Investments
Topic: Are stock market returns doomed by the Baby Boomers?
Replies: 27
Views: 3181

Re: Are stock market returns doomed by the Baby Boomers?

Thank you for all your input! Much to consider. Unfortunately, being at the end of the baby boomers I have no pension. As with future generations it's up to us to save and invest. When we started there was no internet or free advise. I gravitated to Bob Brinker's news letter and have used the intern...
by Johnsson
Mon Jul 17, 2017 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: Are stock market returns doomed by the Baby Boomers?
Replies: 27
Views: 3181

Re: Are stock market returns doomed by the Baby Boomers?

I would love there to be more money coming into the market during my retirement years... :greedy
by Johnsson
Mon Jul 17, 2017 3:39 pm
Forum: Investing - Help with Personal Investments
Topic: Are stock market returns doomed by the Baby Boomers?
Replies: 27
Views: 3181

Re: Are stock market returns doomed by the Baby Boomers?

Agreed... in the long run. However, the boomers are leaving with a max number of investors supposedly at max contributions while there are FEWER Gen Xers taking their place in the near term (over next 20 years). Millenials (with a renewed quantity of investors) won't see their peaks for another 30 y...
by Johnsson
Mon Jul 17, 2017 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: Are stock market returns doomed by the Baby Boomers?
Replies: 27
Views: 3181

Are stock market returns doomed by the Baby Boomers?

Hi. I've lurked around for years and am finally posting... This may be a topic already discussed. If so, I apologize in advance.... With many/most Americans having less than stellar investment knowledge their 401ks are automatically invested in some fractionated version of the market. Those of us wh...