Search found 934 matches

by WanderingDoc
Sat Aug 18, 2018 2:05 am
Forum: Investing - Theory, News & General
Topic: Remind me (again) how real estate isn't a GREAT investment?
Replies: 17
Views: 1108

Re: Remind me (again) how real estate isn't a GREAT investment?

Hey All, I've been a BH'er for almost a decade now. My self taught education through this forum/others has essentially brought me to a Boglehead style investing model, I have used the lazy 3 fund portfolio with basic rules about taxable accounts/all that for many years and it's gone GREAT and I hav...
by WanderingDoc
Fri Aug 17, 2018 10:49 pm
Forum: Investing - Help with Personal Investments
Topic: High tax bracket - Go 100% Roth in tax advantaged?
Replies: 35
Views: 2697

Re: High tax bracket - Go 100% Roth in tax advantaged?

That's not for everyone. Warren Buffett didn't. Marc Cuban didn't. Grant Cardone didn't. Ben Franklin didn't. Richard Feynman didn't. The list goes on. Actually, anyone I admire or respect across the board - did not retire early. Retirement is very flexible concept. I would argue that those people ...
by WanderingDoc
Fri Aug 17, 2018 4:32 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 502
Views: 27720

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

20+ years of inferior International performance... At what point does our own script change about International? If it lags for 30 years, 40 years? Never...? Looking at Portfoliovisualizer of a graph of the last 20 years of US vs. World Ex US, What I can see is that World Ex US takes the lead, then...
by WanderingDoc
Fri Aug 17, 2018 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: Who uses the 3 fund portfolio ?
Replies: 112
Views: 16316

Re: Who uses the 3 fund portfolio ?

lostdog wrote:
Fri Apr 06, 2018 8:13 am
Two fund portfolio here.

Vanguard Total World Index--removes speculation and home country bias. The most bogleheadish fund in existence.

Vangaurd Total Bond Index
Would you save on ERs if you split it up Total U.S. and Total World?
by WanderingDoc
Fri Aug 17, 2018 10:40 am
Forum: Investing - Theory, News & General
Topic: Beam 2-4% APY
Replies: 16
Views: 2734

Re: Beam 2-4% APY

Hello Bogelheads! Long time lurker, but newly registered as I wanted to share some information on this particular subject as it hasn't been active for awhile. I have been on their "trial account" for a while now and here are my thoughts. What is this Beam Savings Account? Just that, savings only. N...
by WanderingDoc
Thu Aug 16, 2018 11:15 pm
Forum: Investing - Theory, News & General
Topic: Bullish/bearish on GE? Make your case here - new lows today
Replies: 50
Views: 3357

Re: Bullish/bearish on GE? Make your case here - new lows today

GE is doing decade lows today. I bought $2000 worth at 12.xx today . In 2008, their low was ~$8.50. Today they're trading $12.xx. I can see it doing 8 unless it goes to zero which means I'll take heat for about 1/3 of my position size. If their old low marks the ultimate bottom. I don't really know...
by WanderingDoc
Thu Aug 16, 2018 11:11 pm
Forum: Investing - Help with Personal Investments
Topic: Taking stock of current financial state and way forward
Replies: 6
Views: 746

Re: Taking stock of current financial state and way forward

You say your monthly income is $14,000 but you only list $7,400 in expenses. Where does the other $6,600 a month go? Here's the plot. Some suggested steps for improvement: 1. Chart every dollar in and out. Where is your cash going? I bet your expenses are higher than 1.5k. 2. Build an emergency fun...
by WanderingDoc
Thu Aug 16, 2018 4:48 pm
Forum: Investing - Help with Personal Investments
Topic: High tax bracket - Go 100% Roth in tax advantaged?
Replies: 35
Views: 2697

Re: High tax bracket - Go 100% Roth in tax advantaged?

Retire early. That's not for everyone. Warren Buffett didn't. Marc Cuban didn't. Grant Cardone didn't. Ben Franklin didn't. Richard Feynman didn't. The list goes on. Actually, anyone I admire or respect across the board - did not retire early. Early retirement forums are filled with doom and gloom ...
by WanderingDoc
Thu Aug 16, 2018 3:31 pm
Forum: Investing - Theory, News & General
Topic: NRIA.NET - Real Estate Private Placement - 16% return
Replies: 21
Views: 1785

Re: NRIA.NET - Real Estate Private Placement - 16% return

16% -18% per year over 5 years sounds very good indeed. I'm wondering why NIRA is offering this incredible deal and doesn't just borrow money at 4% - 6% and take all this great action themselves. That would provide a 12% to 14% return per year without risking a cent of their own money. Perhaps NIRA...
by WanderingDoc
Thu Aug 16, 2018 1:55 pm
Forum: Investing - Theory, News & General
Topic: NRIA.NET - Real Estate Private Placement - 16% return
Replies: 21
Views: 1785

Re: NRIA.NET - Real Estate Private Placement - 16% return

16% -18% per year over 5 years sounds very good indeed. I'm wondering why NIRA is offering this incredible deal and doesn't just borrow money at 4% - 6% and take all this great action themselves. That would provide a 12% to 14% return per year without risking a cent of their own money. Perhaps NIRA...
by WanderingDoc
Thu Aug 16, 2018 12:45 am
Forum: Investing - Help with Personal Investments
Topic: Do we change our self-managed investments/brokerage today assuming we might move to India in future?
Replies: 14
Views: 889

Re: Do we change our self-managed investments/brokerage today assuming we might become non-USA residents in future?

..... On phone, the Vanguard rep mentioned that I would not be allowed to transact any more and a/c would be closed: this would be bad because of sudden tax-bill+penalties and it'd be worse, if the market was low. Via Vanguard email, I was told that I shouldn't worry and I would still be able to tr...
by WanderingDoc
Thu Aug 16, 2018 12:38 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 502
Views: 27720

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

Australian stocks have dramatically outperformed US stocks over the period from 1900 to present. That's much longer term than a mere 30 years! Since including US stocks would have dragged down returns compared to an all-Australia portfolio, why are we still considering investing in the US when the ...
by WanderingDoc
Wed Aug 15, 2018 8:36 pm
Forum: Investing - Help with Personal Investments
Topic: Get out of syndications?
Replies: 15
Views: 1530

Re: Get out of syndications?

Interesting. That's good info. I still think that diversifying among asset classes (stocks, real estate, business) and different strategies within a given asset class like real estate is prudent. I like my odds with mobile home parks and self-storage, and almost any syndication vehicle over the pro...
by WanderingDoc
Wed Aug 15, 2018 3:59 pm
Forum: Investing - Theory, News & General
Topic: Mark Cuban bullish on Netflix and Amazon
Replies: 19
Views: 1726

Re: Mark Cuban bullish on Netflix and Amazon

To believe that "we are all on the same page and equal footing" when it comes to investing or any skill in life is absurd. Genetics vary. Informational and analytical advantages vary. Motivation and drive varies. etc. You seem like someone who may enjoy watching Cramer's nightly show on CNBC. Doubt...
by WanderingDoc
Wed Aug 15, 2018 1:32 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 502
Views: 27720

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

If you look closely you can see that from 1970 through 2012 the two portfolios had very similar returns (10.01% and 10.17%). You can't tell just by looking, but the diversified portfolio actually had lower volatility than the US-only portfolio (15.06% vs 16.00% stdev) and slightly better risk-adjus...
by WanderingDoc
Wed Aug 15, 2018 1:30 pm
Forum: Investing - Help with Personal Investments
Topic: Get out of syndications?
Replies: 15
Views: 1530

Re: Get out of syndications?

I guess if you limit LTV, you can limit the damage, but to expect anything but declining rents, occupancies and NOI during a recession is not well-founded. Due to leverage, you can lose a lot of money and be stuck in an underperforming investment for years (or possibly lose the entire equity invest...
by WanderingDoc
Wed Aug 15, 2018 1:25 pm
Forum: Investing - Theory, News & General
Topic: Mark Cuban bullish on Netflix and Amazon
Replies: 19
Views: 1726

Re: Mark Cuban bullish on Netflix and Amazon

Mark Cuban is bullish on Netflix and Amazon. Does not own Tesla stock. Also, he is holding a tremendous amount of cash (which he stated at least twice). The whole short interview here: https://youtu.be/11kvtuuTvrM Thoughts? Are you keeping cash on the sidelines in case a great opportunity comes alo...
by WanderingDoc
Tue Aug 14, 2018 10:45 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Warns of Worsening Odds for the Economy and Markets [Portfolio help]
Replies: 12
Views: 1403

Re: Vanguard Warns of Worsening Odds for the Economy and Markets [Portfolio help]

Hi, This is the first time I am posting. I have both my 401 K and personal investments with Vanguard. I am 40 years old and have my funds diversified 85% stocks, 15% bonds. I read a NYT article "Vanguard Warns of Worsening Odds for the Economy and Markets" published August 10. https://www.nytimes.c...
by WanderingDoc
Tue Aug 14, 2018 10:42 pm
Forum: Investing - Theory, News & General
Topic: Mark Cuban bullish on Netflix and Amazon
Replies: 19
Views: 1726

Re: Mark Cuban bullish on Netflix and Amazon

RadAudit wrote:
Tue Aug 14, 2018 10:03 pm
WanderingDoc wrote:
Tue Aug 14, 2018 9:42 pm
Thoughts?
I'm happy for him. Wish him the best of luck. It's just not my approach.
Did you watch the video? Cuban is a pretty successful dude. He's made a lot of good bets in his life.
by WanderingDoc
Tue Aug 14, 2018 9:42 pm
Forum: Investing - Theory, News & General
Topic: Mark Cuban bullish on Netflix and Amazon
Replies: 19
Views: 1726

Mark Cuban bullish on Netflix and Amazon

Mark Cuban is bullish on Netflix and Amazon. Does not own Tesla stock. Also, he is holding a tremendous amount of cash (which he stated at least twice). The whole short interview here: https://youtu.be/11kvtuuTvrM Thoughts? Are you keeping cash on the sidelines in case a great opportunity comes along?
by WanderingDoc
Tue Aug 14, 2018 9:40 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 502
Views: 27720

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

With a keen knowledge of the concept of "Stay the Course" and "Don't Buy High and Sell Low" and most importantly "Don't Try to Time the Market" I cannot simply put my head in the sand and pretend that the last ten years or more have been anything other then a disappointment for those of us with Int...
by WanderingDoc
Tue Aug 14, 2018 9:37 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 502
Views: 27720

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

With a keen knowledge of the concept of "Stay the Course" and "Don't Buy High and Sell Low" and most importantly "Don't Try to Time the Market" I cannot simply put my head in the sand and pretend that the last ten years or more have been anything other then a disappointment for those of us with Int...
by WanderingDoc
Tue Aug 14, 2018 6:31 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 502
Views: 27720

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

With a keen knowledge of the concept of "Stay the Course" and "Don't Buy High and Sell Low" and most importantly "Don't Try to Time the Market" I cannot simply put my head in the sand and pretend that the last ten years or more have been anything other then a disappointment for those of us with Int...
by WanderingDoc
Mon Aug 13, 2018 11:33 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Prime Money Market
Replies: 5
Views: 1063

Re: Vanguard Prime Money Market

That's a lot of cash. If it's a semi-permanent allocation, have you maybe considered something like the Vanguard Ultra-Short-Term Bond Fund Admiral Shares ( VUSFX )? Or maybe 52 week T-bills at about 2.45%? What does everyone thing about this fund? If I am looking to hold cash for 6 months or less ...
by WanderingDoc
Mon Aug 13, 2018 11:29 am
Forum: Investing - Theory, News & General
Topic: AAPL, AMZN, or GOOG?
Replies: 95
Views: 9730

Re: AAPL, AMZN, or GOOG?

Apple has the cell phone/tablet industry on lock. This is false. Two out of every three smartphones sold are Android.Apple has only about 1/3rd of the market. About three out of every four tablets is Android. Apple has only 1/4th of the market. Bingo. Apple is overpriced, outsourced tech with no pr...
by WanderingDoc
Mon Aug 13, 2018 1:18 am
Forum: Investing - Theory, News & General
Topic: AAPL, AMZN, or GOOG?
Replies: 95
Views: 9730

Re: AAPL, AMZN, or GOOG?

AMZN - the only one I own, but, RUN as fast as you can. P/E is insane. Known for online sales, BUT DOESN'T MAKE ANY MONEY ON ONLINE SALES (yelling was intentional, by the way). Profits are from web services. So why do I own it? It's called gambling (and it's only about 1% of my net worth). I'm bett...
by WanderingDoc
Sun Aug 12, 2018 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: Get out of syndications?
Replies: 15
Views: 1530

Re: Get out of syndications?

I guess if you limit LTV, you can limit the damage, but to expect anything but declining rents, occupancies and NOI during a recession is not well-founded. Due to leverage, you can lose a lot of money and be stuck in an underperforming investment for years (or possibly lose the entire equity invest...
by WanderingDoc
Sun Aug 12, 2018 11:45 am
Forum: Investing - Theory, News & General
Topic: [New Vanguard website layout starting Saturday, August 11]
Replies: 115
Views: 7499

Re: New layout of vanguard.com

...There is a notable absence of expense ratios... Not to sound paranoid but I think you're right. This is what I see, too, although I probably would not have noticed it (!). It was always sort of my "to-do" list when I looked at the ERs of my non-VG, non-index holdings -- waiting for corrections t...
by WanderingDoc
Sun Aug 12, 2018 11:39 am
Forum: Investing - Help with Personal Investments
Topic: Get out of syndications?
Replies: 15
Views: 1530

Re: Get out of syndications?

I never thought that residential apartments are "recession proof". I did however, know that self storage and mobile home parks are. This is demonstrably true. During the Great Recession, while stocks plummeted 50%, single family homes plummeted 20-30%, these two asset classes still returned 6-8% in ...
by WanderingDoc
Sat Aug 11, 2018 7:16 pm
Forum: Investing - Help with Personal Investments
Topic: Get out of syndications?
Replies: 15
Views: 1530

Re: Get out of syndications?

Hey Doc, you're probably right. I was downplaying the returns, but they are higher than what I can get in index funds. However, I think it's fair to say these investments involve more risk. You post a lot about RE here. Do you have any index funds or stock/bond investments? I'd say in a recessionar...
by WanderingDoc
Sat Aug 11, 2018 1:53 pm
Forum: Investing - Theory, News & General
Topic: The Bigger Story: Fidelity Expense Ratios
Replies: 91
Views: 8303

Re: The Bigger Story: Fidelity Expense Ratios

Others have brought up the lower ER not being worth it, however it only takes 2 minutes of mouse clicking to achieve it. Worth it in my opinion. It would take much much longer than 2 minutes to move several accounts from Vanguard to Fidelity, change automated ACH, etc. At a minimum, hours. Exactly....
by WanderingDoc
Sat Aug 11, 2018 1:50 pm
Forum: Investing - Theory, News & General
Topic: The Bigger Story: Fidelity Expense Ratios
Replies: 91
Views: 8303

Re: The Bigger Story: Fidelity Expense Ratios

I am unsure why one must choose only one brokerage. I myself use both. The recent Fidelity moves while welcome, are not enough for my to move my taxable brokerage holdings back to Fidelity. Vanguard still has the advantage there. Now if after a year, Fidelity shows they are keeping these price poin...
by WanderingDoc
Sat Aug 11, 2018 1:45 pm
Forum: Investing - Theory, News & General
Topic: Would buy and hold work if Japan's lost decade happens?
Replies: 64
Views: 7494

Re: Would buy and hold work if Japan's lost decade happens?

If Apple (U.S.) was so good in "tech" and "innovation" they wouldn't have relied on (mostly) Japanese microchips and microprocessors. Apple is a great plastic design and marketing company, for sure. Stock price doesn't mean anything. There are multi-billion dollar stock evaluations on USA companies ...
by WanderingDoc
Sat Aug 11, 2018 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Get out of syndications?
Replies: 15
Views: 1530

Re: Get out of syndications?

In 2016, I liquidated most of my IRA's and cashed in a 401k to invest about $170k in two multi-family partnerships. One of them did a refinance at the beginning of this year and distributed 90% of capital. I quickly reinvested the proceeds by funding Roth IRA's for me and my wife and put $50k into ...
by WanderingDoc
Fri Aug 10, 2018 3:00 pm
Forum: Investing - Theory, News & General
Topic: Would buy and hold work if Japan's lost decade happens?
Replies: 64
Views: 7494

Re: Would buy and hold work if Japan's lost decade happens?

I follow the bogleheads philosophy of buy and hold long term. The beauty is it takes the worrying about the day to day prices out of the picture, which I love. The market always goes up. I was reading about Japan's lost decade, and looking at its current stock market prices, it seems like the marke...
by WanderingDoc
Fri Aug 10, 2018 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: Have you rebalanced to bonds this year?
Replies: 25
Views: 2160

Re: Have you rebalanced to bonds this year?

Is there a good article/guide on rebalancing bands and techniques?
by WanderingDoc
Thu Aug 09, 2018 9:59 pm
Forum: Investing - Theory, News & General
Topic: "Don't Obsess About Expense Ratios"
Replies: 232
Views: 19193

Re: "Don't Obsess About Expense Ratios"

Bottom line: STOP investing in vanguard going forward. Instead use the Fido funds. For those deep in accumulation phase this is god sent opportunity that you should grab with both hands. For mid age folks like me who cough up multiple thousands of dollars in fees to vanguard every year for our exis...
by WanderingDoc
Thu Aug 09, 2018 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Am I on track for FI? (Review with questions)
Replies: 10
Views: 1196

Re: Am I on track for FI? (Review with questions)

It sounds like you are pretty detail-oriented and are paying attention to your portfolio, which is good. I don't think that three or four percent dividend is something to write home about, but to each his own. Everyone has different goals. You could invest in a run-of-the-mill real estate property ...
by WanderingDoc
Wed Aug 08, 2018 2:04 pm
Forum: Investing - Theory, News & General
Topic: "Don't Obsess About Expense Ratios"
Replies: 232
Views: 19193

Re: "Don't Obsess About Expense Ratios"

Captain kangaroo wrote:
Mon Aug 06, 2018 6:40 pm
Pre-Fidelity announcement:

"Lowest expense ratio possible is essential!"

Post-Fidelity announcement:

"Actually, don't worry about them! Stay with Vanguard!"
Couldn't agree more!
by WanderingDoc
Wed Aug 08, 2018 12:25 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 641
Views: 54415

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

Thanks. I will be waiting a month, maybe 3. I transferred my USAA taxable account to Vanguard last year, that resulted in a ~$1400 capital gains tax payment. Since then, it has been in VTSAX, with about $7600 in gains, so that would result in a ~$2000 capital gains tax payment if I sell this to mov...
by WanderingDoc
Tue Aug 07, 2018 6:31 pm
Forum: Investing - Help with Personal Investments
Topic: Am I on track for FI? (Review with questions)
Replies: 10
Views: 1196

Re: Am I on track for FI? (Review with questions)

It sounds like you are pretty detail-oriented and are paying attention to your portfolio, which is good. I don't think that three or four percent dividend is something to write home about, but to each his own. Everyone has different goals. You could invest in a run-of-the-mill real estate property w...
by WanderingDoc
Tue Aug 07, 2018 1:19 pm
Forum: Investing - Theory, News & General
Topic: "Age in Bonds" fails almost everyone
Replies: 217
Views: 12773

Re: "Age in Bonds" fails almost everyone

Maybe I missed it. Where do you define "wrong?" It's only "wrong" in light of a massive 10 year bull run :wink: That'd be funny if it were true. It is. If you were 100% stocks from 2010 until now, you'd done much better than if you were your age in bonds. What if you were 100% real estate? 8-) "Ooo...
by WanderingDoc
Tue Aug 07, 2018 12:51 pm
Forum: Investing - Theory, News & General
Topic: "Age in Bonds" fails almost everyone
Replies: 217
Views: 12773

Re: "Age in Bonds" fails almost everyone

vineviz wrote:
Tue Aug 07, 2018 11:35 am
WanderingDoc wrote:
Tue Aug 07, 2018 11:05 am
jebmke wrote:
Mon Aug 06, 2018 3:48 pm
Maybe I missed it. Where do you define "wrong?"
It's only "wrong" in light of a massive 10 year bull run :wink:
That'd be funny if it were true.
It is. If you were 100% stocks from 2010 until now, you'd done much better than if you were your age in bonds.
by WanderingDoc
Tue Aug 07, 2018 11:05 am
Forum: Investing - Theory, News & General
Topic: "Age in Bonds" fails almost everyone
Replies: 217
Views: 12773

Re: "Age in Bonds" fails almost everyone

jebmke wrote:
Mon Aug 06, 2018 3:48 pm
Maybe I missed it. Where do you define "wrong?"
It's only "wrong" in light of a massive 10 year bull run :wink:
by WanderingDoc
Mon Aug 06, 2018 3:12 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 641
Views: 54415

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

Jim Dahle, M.D. (White Coat Investor) has a great blog post today putting all this in perspective... https://www.whitecoatinvestor.com/expense-ratios/ The article is a great synthesis of this thread. Better than this thread, more facts and no vitriol. I just read that WCI post. If by "more facts" y...
by WanderingDoc
Mon Aug 06, 2018 12:34 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 641
Views: 54415

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

Jim Dahle, M.D. (White Coat Investor) has a great blog post today putting all this in perspective... https://www.whitecoatinvestor.com/expense-ratios/ The article is a great synthesis of this thread. Better than this thread, more facts and no vitriol. I just read that WCI post. If by "more facts" y...
by WanderingDoc
Mon Aug 06, 2018 12:25 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 641
Views: 54415

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

Jim Dahle, M.D. (White Coat Investor) has a great blog post today putting all this in perspective... https://www.whitecoatinvestor.com/expense-ratios/ The article is a great synthesis of this thread. Better than this thread, more facts and no vitriol. I just read that WCI post. If by "more facts" y...
by WanderingDoc
Mon Aug 06, 2018 1:35 am
Forum: Investing - Theory, News & General
Topic: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 641
Views: 54415

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

I guess not in kind. I meant to move to an equivalent fund :) The only fund I have in my Roth IRA at Vanguard is VTIAX. Would it be much trouble to move this in-kind to another firm? What would you recommend as far as an equivalent fund.. VTPSX? I wonder if the 0.05% difference is worth it. Why do y...
by WanderingDoc
Mon Aug 06, 2018 12:26 am
Forum: Investing - Theory, News & General
Topic: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 641
Views: 54415

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

Great points. The only fund I have in my Roth IRA at Vanguard is VTIAX. Would it be much trouble to move this in-kind to another firm? What would you recommend as far as an equivalent fund.. VTPSX? I wonder if the 0.05% difference is worth it. The Vanguard CIO did respond . (see bloomberg link) What...
by WanderingDoc
Sun Aug 05, 2018 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Improving the TSP [for current participants]
Replies: 262
Views: 42072

Re: TSP vs Fidelity Zeroes

Fidelity nor anyone else offers a G fund. IRA's have less protection from creditors depending on the state versus TSP. Rebalancing between the G fund and other TSP funds is easier than rebalancing between G fund and various Fidelity IRA funds. Fidelity international 0% doesn't have small caps where...