Search found 161 matches

by Eagle33
Sat Jul 20, 2019 11:59 pm
Forum: Personal Investments
Topic: What percentage of Vanguard
Replies: 27
Views: 1539

Re: What percentage of Vanguard

+1 the above responses

You say you retired, but did not share your age. $ in 401k is accessible penalty free at 55. You may want to wait to rollover the 401k until after reaching 59.5.
by Eagle33
Sat Jul 20, 2019 12:56 am
Forum: Personal Investments
Topic: How to Contribute if Employer Doesn't Offer Traditional IRA
Replies: 23
Views: 1429

Re: How to Contribute if Employer Doesn't Offer Traditional IRA

When I first heard of the Roth IRA, I funded my rIRA with the tax savings caused by my pre-tax 401k contribution. We didn't want to spend our tax reduction, rather save it tax free.
by Eagle33
Mon Jul 15, 2019 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: IRS is looking for comments re 1040-SR draft
Replies: 1
Views: 376

IRS is looking for comments re 1040-SR draft

The IRS released a draft form of the inaugural version of the 1040-SR, “U.S. Tax Return for Seniors.” You can take a look at the draft form of the 1040-SR at IRS.gov/DraftForms.

You can submit comments, too, no later than August 15 to WI.1040.Comments@IRS.gov.
by Eagle33
Sun Jul 14, 2019 12:20 am
Forum: Personal Investments
Topic: Investing/Savings Account for Kids
Replies: 11
Views: 818

Re: Investing/Savings Account for Kids

A parent could also provide a "parent interest" deposit to supplement the bank's interest.
by Eagle33
Sun Jul 14, 2019 12:12 am
Forum: Personal Finance (Not Investing)
Topic: Inherited ira
Replies: 21
Views: 1594

Re: Inherited ira

Jablean wrote:
Sat Jul 13, 2019 4:25 pm
Rolled over IRAs are called BDAs by Fidelity (assuming that means something like Beneficiary Determined Accounts)
Per Fidelity the meaning of BDA is Beneficiary Distribution Account.
https://institutional.fidelity.com/app/ ... MD-BDA.PDF
by Eagle33
Thu Jul 11, 2019 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: What, if any, advisors do I need?
Replies: 13
Views: 1071

Re: What, if any, advisors do I need?

About 3 years ago I began educating myself more about personal finance in retirement. Discovered the book "How to make you your money last" by Jane Bryant Quinn, the Bogleheads wiki and forum, plus a dash of Christine Benz articles at Morningstar gave me the confidence to go without an advisor in re...
by Eagle33
Thu Jul 11, 2019 3:55 pm
Forum: Investing - Theory, News & General
Topic: A Simple Bogleheads Retirement Using Variable Percentage Withdrawals (VPW Forward Test)
Replies: 85
Views: 9054

Re: A Simple Bogleheads Retirement Using Variable Percentage Withdrawals (VPW Forward Test)

I vote choice B with savings included. IMHO if money is in savings account it was not spent so still part of the portfolio. Just moved money from tax advantaged to taxable category.
by Eagle33
Wed Jul 10, 2019 4:06 pm
Forum: Personal Investments
Topic: Portfolio Allocation accross accounts
Replies: 20
Views: 1364

Re: Portfolio Allocation accross accounts

Thank you all for all your help. The last piece of the puzzle that I am considering is what I might hold in my ROTH IRAs that is similar enough but wont run any problems of a wash sale. In the taxable account I plan on having both Vanguard Total Stock Fund Vanguard Total International Stock Funds a...
by Eagle33
Mon Jul 08, 2019 11:04 am
Forum: Personal Investments
Topic: Tax Planning Advice Please
Replies: 21
Views: 1459

Re: Tax Planning Advice Please

I don't know if this has been covered, but the ability to fund a traditional tax deductible IRA starts to phase out for a single person when your MAGI hits $64k & you can't contribute anything [AND deduct it] when your MAGI hits $74k, if you are covered by a retirement plan at work, which you are i...
by Eagle33
Mon Jul 08, 2019 1:59 am
Forum: Investing - Theory, News & General
Topic: POST YOUR QUESTIONS FOR THE EXPERTS PANEL Q&A HERE
Replies: 38
Views: 3050

Re: POST YOUR QUESTIONS FOR THE EXPERTS PANEL Q&A HERE

Luckywon wrote:
Sun Jul 07, 2019 10:05 am
What is each panelist's guess for average annual real return on domestic equities over the next 10 years?
A slight variation:
What average annual real return for equities/bonds/cash does each panelist use in their personal financial plans - next 10 years? What returns beyond 10 years?
by Eagle33
Fri Jul 05, 2019 10:00 pm
Forum: Personal Investments
Topic: Vanguard "new" checking to replace Advantage Accounts is not really checking
Replies: 19
Views: 2517

Re: Vanguard "new" checking to replace Advantage Accounts is not really checking

Is there any upper limit for these checks? My concern is potential fraud of someone taking my check for $250 and washing the amount to some much larger number. If check has my account # then I will be held responsible.
by Eagle33
Fri Jul 05, 2019 9:33 pm
Forum: Personal Investments
Topic: Vanguard "new" checking to replace Advantage Accounts is not really checking
Replies: 19
Views: 2517

Re: Vanguard "new" checking to replace Advantage Accounts is not really checking

I completed the form and received checks for my Vanguard brokerage account recently. The checks do have an ABA routing # and account # printed on them. In addition to the settlement account money market fund (MMF), I was able to designate one backup MMF on the form to be used as a source of funds f...
by Eagle33
Mon Jun 24, 2019 10:12 pm
Forum: Personal Investments
Topic: Vanguard reduced dividends on VTSAX
Replies: 9
Views: 1910

Re: Vanguard reduced dividends on VTSAX

Just noticed the dividend payout this month is substantially lower than it was in March. Checked the Vanguard website, and sure enough, they reduced the dividend/share payout on VTSAX. Per Vanguard: 03/21/2019 - Per Share Distribution: $0.37360 06/13/2019 - Per Share Distribution: $0.26470 That's a...
by Eagle33
Sun Jun 23, 2019 12:51 pm
Forum: Investing - Theory, News & General
Topic: Net worth and risk tolerance
Replies: 30
Views: 4764

Re: Net worth and risk tolerance

I separate out my risk capacity from my risk tolerance. I have found for me that risk capacity is the main influence on my AA, while the remaining risk tolerance is a minor tweak to AA. Net worth is just tweaks my risk tolerance.
by Eagle33
Sat Jun 22, 2019 1:54 am
Forum: Personal Investments
Topic: Help with Personal investments
Replies: 4
Views: 681

Re: Help with Personal investments

Able to take advantage of QCDs to reduce IRA RMDs impact on income. 401k RMDs count as 100% income, no QCD available for 401k.
by Eagle33
Fri Jun 14, 2019 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: Checks without my account number
Replies: 39
Views: 3955

Re: Checks without my account number

Teresa Dixon Murray, a finance writer for the Cleveland newspaper, "The Plain Dealer", recently had an article on this subject. She addressed the problem of account numbers when the bank's bill pay service sends a paper check. Some banks show the account number, the same as when you write the check...
by Eagle33
Tue Jun 04, 2019 7:47 pm
Forum: Personal Investments
Topic: "Skin in the Game," Taleb, $2.99 Kindle deal
Replies: 3
Views: 670

Re: "Skin in the Game," Taleb, $2.99 Kindle deal

Here is an earlier post about the book.
viewtopic.php?t=244167
by Eagle33
Tue Jun 04, 2019 5:45 pm
Forum: Personal Investments
Topic: Switched employers mid year - what happens if you exceed contributions and/or IRC limits?
Replies: 3
Views: 526

Re: Switched employers mid year - what happens if you exceed contributions and/or IRC limits?

Though I have not reached your level of compensation, reading this page at Fidelity makes me believe that it is up to you to determine at what point in 2019 you will reach 280k in compensation. At that point you need to end your contributions for 2019. https://nb.fidelity.com/public/nb/default/resou...
by Eagle33
Sun Jun 02, 2019 8:58 pm
Forum: Personal Investments
Topic: Do I need a financial planner or investment advisor or just this forum?
Replies: 30
Views: 3014

Re: Do I need a financial planner or investment advisor or just this forum?

You may only need Mark Zoril, AIF, of Plan Vision. He offers financial planning services, including investment advice, for just $96 a year.

Here is a recent interview. https://www.doughroller.net/financial-p ... ark-zoril/
by Eagle33
Tue May 28, 2019 6:44 pm
Forum: Personal Investments
Topic: Vanguard 401k to Vanguard Roth IRA
Replies: 11
Views: 617

Re: Vanguard 401k to Vanguard Roth IRA

I would recommend a temporary separate Roth anyway. This makes it easier to undo if necessary. I was doing annual Roth conversions, always creating a new account, near the end of my working career. The last time, my income exceeded the limits for the conversion , and I had to undo some of it. It wa...
by Eagle33
Sun May 26, 2019 3:30 am
Forum: Personal Investments
Topic: Confused about Asset Allocation
Replies: 16
Views: 1238

Re: Confused about Asset Allocation

You can contribute up to the 401k $19k limit. Company match does not count as part of the 19k.
by Eagle33
Sun May 26, 2019 1:06 am
Forum: Personal Investments
Topic: Confused about Asset Allocation
Replies: 16
Views: 1238

Re: Confused about Asset Allocation

typically recommendation is for bonds in tax-deferred accounts and stocks in Roth accounts for tax free growth. See wiki page on tax-efficency topic. https://www.bogleheads.org/wiki/Tax-efficient_fund_placement also https://www.bogleheads.org/wiki/Asset_allocation_in_multiple_accounts Why not also d...
by Eagle33
Fri May 24, 2019 11:15 pm
Forum: Personal Finance (Not Investing)
Topic: Funding nieces' Roth IRAs
Replies: 10
Views: 952

Re: Funding nieces' Roth IRAs

I would maybe do a match of what they contribute. They will will appreciate it more if they have skin in the game.
by Eagle33
Fri May 24, 2019 11:08 pm
Forum: Personal Investments
Topic: Can I open a Roth for daughter's birthday present?
Replies: 13
Views: 1314

Re: Can I open a Roth for daughter's birthday present?

Assist her as needed to open her Roth IRA. Maybe offer to match here contributions or at least help with the initial minimum amount to get stated investing.
by Eagle33
Tue May 21, 2019 12:32 am
Forum: Personal Finance (Not Investing)
Topic: Quicken: Windows to Mac
Replies: 14
Views: 842

Re: Quicken: Windows to Mac

Buy the new subscription model version for 1-yr and let the subscription run out and not renew. You will still be able to do what you could before offline. No longer get updates, but that is true now in your old PC version.

You will need to turn off the auto renew default after loading.
by Eagle33
Sat May 18, 2019 12:32 am
Forum: Investing - Theory, News & General
Topic: Actual Experience as true measure of risk tolerance
Replies: 82
Views: 6423

Re: Actual Experience as true measure of risk tolerance

If one can reach the same point as Jack Bogle regard AA, then one has hit the best AA for themselves. When the market is up ok to wonder a little of why so low a % of stocks and when market is down ok to wonder a little of why so low a % of bonds - but not losing any sleep over it. When it is time (...
by Eagle33
Mon May 13, 2019 2:36 am
Forum: Personal Investments
Topic: Vanguard Target Retirement Funds - Investor vs Admiral Shares
Replies: 21
Views: 2314

Re: Vanguard Target Retirement Funds - Investor vs Admiral Shares

I do not know Vanguard's reasoning for no TD Admiral funds. But I would guess some of the added ER cost is because having to balance AA.
by Eagle33
Mon May 13, 2019 1:57 am
Forum: Personal Investments
Topic: Retirement limits
Replies: 6
Views: 2220

Re: Retirement limits

Every February I download a new annual limits sheet from College of Financial Planning.
https://www.cffp.edu/annual-limits
It is a 2-sided sheet with many of the annual limits that one needs to know when DIYing.
by Eagle33
Sun May 12, 2019 6:38 pm
Forum: Investing - Theory, News & General
Topic: NYTs-"A Quirk of the Calendar Is Messing With Stocks"
Replies: 6
Views: 1700

Re: NYTs-"A Quirk of the Calendar Is Messing With Stocks"

I'd like to see how different the value of $100k invested on 6/30/2018 and 3/31/2019 would be. Go to Morningstar.com website and enter VFIAX. Then click More at top right of chart. Then enter new start date (i.e. 6/30/2018 or 3/31/2019). Chart shows growth including reinvesting dividends/cap gains ...
by Eagle33
Wed May 01, 2019 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: Could you invest in Vanguard by phone(voice only) after your account was set up?
Replies: 3
Views: 401

Re: Could you invest in Vanguard by phone(voice only) after your account was set up?

Depending on your portfolio value at Vanguard, number of trades, etc. will effect the cost to trade by phone. See VG website page https://investor.vanguard.com/investing ... sions/etfs
by Eagle33
Thu Apr 18, 2019 12:09 am
Forum: Personal Investments
Topic: Beginner Investor Questions
Replies: 14
Views: 1088

Re: Beginner Investor Questions

You can see a number of brokerage equivalent funds to Vanguard on bottom of this wiki page
https://www.bogleheads.org/wiki/Three-fund_portfolio
by Eagle33
Wed Apr 17, 2019 12:52 am
Forum: Personal Investments
Topic: confused opening ira and withdrawal at retirement
Replies: 14
Views: 851

Re: confused opening ira and withdrawal at retirement

First, welcome to the forum. I was a bit confused by your posting format. May get more responses if your reformat your post as described in https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 Your can edit your post by clicking on the pencil button at top of your post. My question Bogleheads i...
by Eagle33
Wed Apr 17, 2019 12:08 am
Forum: Personal Investments
Topic: Is the disaster scenario for stocks a reason not to invest or pull out of the market?
Replies: 94
Views: 7156

Re: Is the disaster scenario for stocks a reason not to invest or pull out of the market?

Why is it that when the market drops 50% the guideline of "buy low and sell high" is ignored? It is a great time to buy equities. 50% market drops are usually associated with some significant problems in the real economy, not just random market fluctuation. Therefore when the markets are down 50%, ...
by Eagle33
Tue Apr 16, 2019 11:44 pm
Forum: Personal Finance (Not Investing)
Topic: PSA: getting a social security statement
Replies: 10
Views: 1337

Re: PSA: getting a social security statement

I seem to remember reading somewhere a couple years ago that SS was only mailing out paper statements every 5 years to people under 60 and every year after 60 if person does not have an online account. But don't quote me on that. Our household will find out this year if my memory is any good. Spouse...
by Eagle33
Sat Apr 13, 2019 10:32 pm
Forum: Personal Investments
Topic: Is the disaster scenario for stocks a reason not to invest or pull out of the market?
Replies: 94
Views: 7156

Re: Is the disaster scenario for stocks a reason not to invest or pull out of the market?

Why is it that when the market drops 50% the guideline of "buy low and sell high" is ignored? It is a great time to buy equities.
by Eagle33
Fri Apr 12, 2019 7:52 pm
Forum: Personal Investments
Topic: Advice?
Replies: 6
Views: 793

Re: Advice?

rocketboy wrote:
Fri Apr 12, 2019 4:56 pm
Thank you. If I Google Roth/Traditional all I find are recommendations for which one to purchase rather than what to fund them with. I appreciate it.
This wiki topic may provide the clarification you seek.
https://www.bogleheads.org/wiki/Tax-eff ... _placement
by Eagle33
Fri Apr 12, 2019 5:40 pm
Forum: Personal Investments
Topic: ROTH IRA /Bonds Investment Advice
Replies: 3
Views: 354

Re: ROTH IRA /Bonds Investment Advice

sk005 wrote:
Fri Apr 12, 2019 1:50 pm
1) How do I invest My ROTH IRA? should I buy VTSAX for ROTH too?
I am looking into VTIAX but need to study foreign tax credit further.
Foreign tax credit claiming only comes into play in taxable account, not IRAs.
by Eagle33
Thu Apr 11, 2019 12:37 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard consolidated statement
Replies: 5
Views: 477

Re: Vanguard consolidated statement

Will the consolidated statements be generated monthly, quarterly or annually?
Does such a statement accommodate both the old MF-style accounts and new brokerage accounts on the statement?
Does annual statement include list of total year's transactions for each account?
by Eagle33
Tue Apr 09, 2019 6:34 pm
Forum: Personal Investments
Topic: Should I leave Betterment?
Replies: 33
Views: 5820

Re: Should I leave Betterment?

[*] Fees - A 0.25% annual fees seems reasonable and fairly immaterial to me. However, I'm open to being persuaded otherwise. You can use this website to compare your current ER before adding the 25bps annual fee to the ER for the second fund to see impact over time. https://www.begintoinvest.com/ex...
by Eagle33
Tue Apr 09, 2019 6:20 pm
Forum: Personal Investments
Topic: Starting taxable 3 fund portfolio
Replies: 15
Views: 1782

Re: Starting taxable 3 fund portfolio

So as I see it, I could "recreate" VTRLX (without institutional) by using : VTSAX - total stock admiral 60% VTIAX - international stock admiral 30% VWIUX or VTEAX - muni for fed tax exempt (obviously a slight departure from VTRLX) 10% Giving me the 90 -10 over both account locations for now. Is thi...
by Eagle33
Wed Apr 03, 2019 12:44 am
Forum: Personal Investments
Topic: Investing in early retirement - more info
Replies: 8
Views: 1249

Re: Investing in early retirement - more info

Thanks so much for the info. I'm so ignorant regarding bond funds. When I look at a 5 year chart for VBTLX, I see that on Jul 8, 2016 it was 11.08. On Mar 29, 2019 it was at 10.36. Does that mean that if I owned it during that period of time, I would have lost money? Is so this seems to have quite ...
by Eagle33
Mon Apr 01, 2019 1:22 am
Forum: Personal Investments
Topic: Tools for Retirement Withdrawal Strategies considering Different Accounts, Taxes, RMD, etc
Replies: 2
Views: 485

Re: Tools for Retirement Withdrawal Strategies considering Different Accounts, Taxes, RMD, etc

If you like i-orp, then you should like The Retiree Portfolio Model, an Excel spreadsheet created by forum member BigFoot48.

Wiki link to Tools and calculators
https://www.bogleheads.org/wiki/Tools_a ... olio_tools
by Eagle33
Mon Mar 25, 2019 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Long-term care insurance
Replies: 45
Views: 2366

Re: Long-term care insurance

We're considering our options for long-term care insurance, and it looks like this comes in two major varieties: Just plain insurance against the eventuality of needing long-term care. Life insurance whose payout can be used for long-term care, with the amount spent on that being deducted from the ...
by Eagle33
Sun Mar 24, 2019 6:45 pm
Forum: Investing - Theory, News & General
Topic: Book on financial market history
Replies: 11
Views: 987

Re: Book on financial market history

Not sure if "Financial Market History: Reflections on the Past for Investors Today" is what OP is looking for, but Kindle version is currently free. https://www.amazon.com/Financial-Market-History-Reflections-Investors-ebook/dp/B06WVBHK72/ref=tmm_kin_swatch_0?_encoding=UTF8&qid=&sr= And Jack Bogle i...
by Eagle33
Sat Mar 23, 2019 9:54 pm
Forum: Personal Investments
Topic: Roth IRA question
Replies: 16
Views: 1492

Re: Roth IRA question

indexonlyplease wrote:
Sat Mar 23, 2019 9:33 pm
Just to confirm. When you do a Roth IRA conversion you still can't touch the money until 59.5?
Actually you can withdraw the amount of the conversion 5 years after making the conversion. If you do multiple conversions over time, each separate conversion has its own 5-yr clock.
by Eagle33
Sat Mar 23, 2019 9:42 pm
Forum: Personal Investments
Topic: Start Roth after Retirement?
Replies: 14
Views: 1763

Re: Start Roth after Retirement?

Not the OP here, but I have a similar question. I currently have no Roth accounts. But I would like to do Roth conversions after retirement. (Just retired on Jan 1, 2019). Do I need to open a Roth account in a year I have earned income? Or can I open up one later via a conversion in a year I have n...
by Eagle33
Sat Mar 23, 2019 5:41 pm
Forum: Personal Investments
Topic: Portfolio Repriced
Replies: 6
Views: 441

Re: Portfolio Repriced

wdo0002 wrote:
Sat Mar 23, 2019 11:44 am
Reinvestment of dividends?
OP - The same thing happened to us. Check your transaction history. I discovered that both VTSAX & VTIAX paid quarterly dividends last night.
by Eagle33
Wed Mar 13, 2019 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: VG service ... advice welcome
Replies: 8
Views: 599

Re: VG service ... advice welcome

Ensuring correct beneficiaries on her accounts is more important than the paper delivery issue. Unfortunately cannot see nor change those from your full agent view of her accounts. Must be done thru her login. Unless VG has some legal procedure to change them, but it is probably above the normal rep...
by Eagle33
Sat Mar 09, 2019 1:36 am
Forum: Personal Investments
Topic: Vanguard Statements - adding accounts to household statement
Replies: 10
Views: 1137

Re: Vanguard Statements - adding accounts to household statement

Not trying to to sidetrack topic, but what is a household statement at Vanguard? Got nothing when did a search of household statement on Vanguard site. Well actually did get one link, but it only took me to my accounts message center that had nothing about household statement.