Search found 163 matches
- Mon Nov 30, 2020 3:47 pm
- Forum: Investing - Theory, News & General
- Topic: Vanguard 529 shows incorrect performance data
- Replies: 29
- Views: 1684
Re: Vanguard 529 shows incorrect performance data
I don't see how I can be confident in any of the numbers presented in the website. If they had a glitch and fixed it fast- ok. If they notified the users of an issue- ok. Instead, it took an hour and three different reps before they acknowledged the issue. After explaining in detail what I was seein...
- Sun Nov 29, 2020 3:16 pm
- Forum: Investing - Theory, News & General
- Topic: Vanguard 529 shows incorrect performance data
- Replies: 29
- Views: 1684
Re: Vanguard 529 shows incorrect performance data
Agreed, this does not inspire confidence. What other numbers are they "showing inaccurately" that just hasn't been noticed?
- Sun Nov 29, 2020 3:10 pm
- Forum: Investing - Theory, News & General
- Topic: Vanguard 529 shows incorrect performance data
- Replies: 29
- Views: 1684
Re: Vanguard - Personal Performance Calculation is showing incorrect values
For those experiencing this issue, do you have Vanguard 529 holdings? If so, per Vanguard response to my inquiry below: Thank you for your e-mail about the difficulty you're experiencing. An issue has been identified where Personal Performance for clients with 529 accounts is showing inaccurately af...
- Wed Nov 25, 2020 6:40 pm
- Forum: Investing - Theory, News & General
- Topic: Vanguard 529 shows incorrect performance data
- Replies: 29
- Views: 1684
Vanguard 529 shows incorrect performance data
You may notice wildly incorrect amounts listed in the "Personal Performance" section for your Vanguard (Nevada)529 on Vanguard's website. Received the following response: Thank you for your e-mail about the difficulty you're experiencing. An issue has been identified where Personal Perform...
- Wed Oct 21, 2020 7:32 am
- Forum: Investing - Theory, News & General
- Topic: Vanguard 529 Changes
- Replies: 18
- Views: 1849
- Tue Oct 20, 2020 1:44 pm
- Forum: Investing - Theory, News & General
- Topic: Vanguard 529 Changes
- Replies: 18
- Views: 1849
Re: Vanguard 529 Changes
This post is refering to: The Vanguard 529 College Savings Plan sponsered by Nevada.
Per Vanguard, the changes can result in a modestly higher risk for those on Moderate track.
Per Vanguard, the changes can result in a modestly higher risk for those on Moderate track.
- Mon Oct 19, 2020 5:36 pm
- Forum: Investing - Theory, News & General
- Topic: Vanguard 529 Changes
- Replies: 18
- Views: 1849
Re: Vanguard 529 Changes
Vanguard states: -Moderate age-based investors may notice a slight increase in stock exposure, which can result in a modestly higher risk level as well. Investors uncomfortable with a small stock increase could consider investing in a more conservative Target Enrollment Portfolio that may have less ...
- Sun Oct 18, 2020 9:26 am
- Forum: Investing - Theory, News & General
- Topic: Vanguard 529 Changes
- Replies: 18
- Views: 1849
Vanguard 529 Changes
The upcoming changes to the Vanguard 529 Target Enrollment Portfolios are not insignificant. Those who enrolled to "set it and forget it" may be in for a big surprise, fraught with additional risk they had no intention of taking. For example, take a 16 year old with the Moderate Age-Based....
- Tue Sep 03, 2019 7:13 pm
- Forum: Personal Investments
- Topic: How do you let go of decisions that turned out to be the wrong ones?
- Replies: 63
- Views: 5568
Re: How do you let go of decisions that turned out to be the wrong ones?
Moving money that's needed in 3 years out of a potentially volatile bond market and into a stable value fund is a reasonable course of action and a common glide-path for college savings. Your decision was not unwise, and although the short term results were not in your favor, they easily could have ...
- Wed Jul 10, 2019 1:39 pm
- Forum: Personal Investments
- Topic: Vanguards Total Retirement Income Fund
- Replies: 3
- Views: 761
Re: Vanguards Total Retirement Income Fund
https://investor.vanguard.com/mutual-funds/profile/performance/vtinx/cumulative-returns Take a look at above link and see if it meets your risk tolerance. While not a predictor of the future you can gauge how it performed during the highs and lows of the market the last 16 years. Worst performing ye...
- Wed Jul 10, 2019 1:39 pm
- Forum: Personal Investments
- Topic: Vanguards Total Retirement Income Fund
- Replies: 3
- Views: 761
Re: Vanguards Total Retirement Income Fund
https://investor.vanguard.com/mutual-funds/profile/performance/vtinx/cumulative-returns Take a look at above link and see if it meets your risk tolerance. While not a predictor of the future you can gauge how it performed during the highs and lows of the market the last 16 years. Worst performing ye...
- Fri Apr 12, 2019 7:31 pm
- Forum: Investing - Theory, News & General
- Topic: Vanguard Individual 401K now offering Admiral funds
- Replies: 68
- Views: 8638
Re: Vanguard Individual 401K now offering Admiral funds
I called and had Flagship rep convert my i401(k) to Admiral shares (all in Wellesley) a month ago. Today, I saw a transaction reversing the conversion! I called and they stated they made a mistake and that Wellesley was not eligible for Admiral in i401(k), only index funds. Anyone else had this occu...
- Sat Dec 15, 2018 8:42 pm
- Forum: Investing - Theory, News & General
- Topic: Does this TLH strategy make sense?
- Replies: 3
- Views: 537
Re: Does this TLH strategy make sense?
Thank you livesoft
- Sat Dec 15, 2018 8:03 pm
- Forum: Investing - Theory, News & General
- Topic: Does this TLH strategy make sense?
- Replies: 3
- Views: 537
Does this TLH strategy make sense?
I'd like to TLH two substantially different mutual fund holdings this year. Both fund balances are of approx the same amount. I own fund A, spouse owns fund B. I don't though want to actually abandon my position on these funds, but I could benefit from the TLH. Could I simply sell A for B, while wif...
- Sat Dec 01, 2018 7:36 pm
- Forum: Personal Investments
- Topic: Stuck with Wells Fargo 401k: What to do?
- Replies: 23
- Views: 2011
Re: Stuck with Wells Fargo 401k: What to do?
LifePath Index 2030 Fund seems to match the allocation you are looking for.
- Sun Jul 29, 2018 8:22 pm
- Forum: Investing - Theory, News & General
- Topic: Help With Bonds.
- Replies: 2
- Views: 479
Re: Help With Bonds.
https://www.bogleheads.org/wiki/Bond_pr ... _over_time
If you hold it to maturity, the price fluctuations won't matter, it will be worth face value.
If you hold it to maturity, the price fluctuations won't matter, it will be worth face value.
- Thu Jul 12, 2018 2:51 pm
- Forum: Personal Finance (Not Investing)
- Topic: Shifting from Intermediate to Short-term Bonds
- Replies: 11
- Views: 2269
Re: Shifting from Intermediate to Short-term Bonds
You'll be giving up a small amount of yield for a little less risk. In 60/40, the difference may be barely noticeable. Small enough change that it probably matters very little if you do it or not. The TLH may be more of a factor.
- Sat Jun 23, 2018 7:23 pm
- Forum: Personal Finance (Not Investing)
- Topic: Cash Out Retirement Account vs Rollover to IRA
- Replies: 35
- Views: 2727
Re: Cash Out Retirement Account vs Rollover to IRA
Answer: Rollover to IRA
Disclosure: I did not read a word of this thread other than the title. That's because I don't believe there is any scenario that would yield the answer "cash out retirement account"
Disclosure: I did not read a word of this thread other than the title. That's because I don't believe there is any scenario that would yield the answer "cash out retirement account"
- Thu Jun 21, 2018 6:56 pm
- Forum: Personal Consumer Issues
- Topic: Anyone use a WiFi enhancement product?
- Replies: 14
- Views: 1588
Re: Anyone use a WiFi enhancement product?
I use Netgear Powerline Kit. It utilizes the electrical wiring in your home.
https://www.amazon.com/gp/product/B0192 ... UTF8&psc=1
https://www.amazon.com/gp/product/B0192 ... UTF8&psc=1
- Fri Jun 15, 2018 9:00 pm
- Forum: Personal Investments
- Topic: Vanguard Managed Payout Fund
- Replies: 30
- Views: 4394
Re: Vanguard Managed Payout Fund
In my opinion, Managed Payout was a “gimmicky” idea to begin with and its track record suggests nothing to change my mind. I believe Wellington, Wellesley, Balanced Index, Lifestrategy/Target Date lineups and Star are ALL superior balanced fund alternatives.
- Sat Jun 09, 2018 5:53 pm
- Forum: Personal Investments
- Topic: Vanguard New Issue CD Commission?
- Replies: 12
- Views: 1411
Re: Vanguard New Issue CD Commission?
Vanguard Brokerage Services commission and fee schedules:
https://investor.vanguard.com/investing ... ommissions
Per link, New Issue CD's are commission free with minimum purchase 10k+
https://investor.vanguard.com/investing ... ommissions
Per link, New Issue CD's are commission free with minimum purchase 10k+
- Thu Dec 28, 2017 8:22 pm
- Forum: Personal Investments
- Topic: 529 Glide Path
- Replies: 9
- Views: 1353
Re: 529 Glide Path
UTAH (UESP) allows you to create your own glide-path, utilizing many broad market Vanguard index funds, for the do-it-yourself types.
- Sat Sep 30, 2017 7:23 pm
- Forum: Personal Investments
- Topic: 529 Collge Savings Plan
- Replies: 3
- Views: 668
- Sat Jul 15, 2017 8:47 pm
- Forum: Personal Investments
- Topic: Low cost index funds/Fidelity
- Replies: 21
- Views: 3167
Re: Low cost index funds/Fidelity
Fidelity low cost index funds:
https://www.bogleheads.org/wiki/Fidelity
You can open an account online, via mail, or via phone & pay nothing but the cost of the fund's shares
https://www.bogleheads.org/wiki/Fidelity
You can open an account online, via mail, or via phone & pay nothing but the cost of the fund's shares
- Thu Jun 15, 2017 8:57 pm
- Forum: Personal Finance (Not Investing)
- Topic: 529 transfer
- Replies: 5
- Views: 1168
Re: 529 transfer
Another choice worthy of your consideration is uesp.org
Vanguard funds, low fees, extremely flexible portfolio options.
Vanguard funds, low fees, extremely flexible portfolio options.
- Fri Jun 09, 2017 6:09 pm
- Forum: Personal Investments
- Topic: 529 Fees
- Replies: 11
- Views: 3497
Re: 529 Fees
Congrats on taking positive action to rid yourself of that lousy plan you have now! UESP and Vanguard/Nevada are both excellent choices. I chose UESP due to it's very flexible custom allocations feature.
- Mon May 15, 2017 11:47 am
- Forum: Personal Investments
- Topic: Index fund for grandkids?
- Replies: 2
- Views: 675
Re: Index fund for grandkids?
Some possibilities:
Vanguard Balanced Index Fund Admiral Shares
or one of the Vanguard Life Strategy funds
https://investor.vanguard.com/mutual-fu ... estrategy/#/
Vanguard Balanced Index Fund Admiral Shares
or one of the Vanguard Life Strategy funds
https://investor.vanguard.com/mutual-fu ... estrategy/#/
- Thu May 04, 2017 3:01 pm
- Forum: Personal Finance (Not Investing)
- Topic: Solo ROTH 401k vs regular 401ks plus roth IRAs
- Replies: 7
- Views: 764
Re: Solo ROTH 401k vs regular 401ks plus roth IRAs
Three thoughts:
-Use Vanguard or Fidelity, not TDA
-Do not inflate your profit
-Give this a good read-through: https://www.bogleheads.org/wiki/Solo_401(k)_plan
-Use Vanguard or Fidelity, not TDA
-Do not inflate your profit
-Give this a good read-through: https://www.bogleheads.org/wiki/Solo_401(k)_plan
- Sat Feb 11, 2017 3:41 pm
- Forum: Personal Investments
- Topic: Solo Roth or r401k
- Replies: 6
- Views: 621
Re: Solo Roth or r401k
There are no costs to open or maintain a Solo 401(k) with Vanguard. Takes about 10 minutes to fill out the paperwork, and establish online access. Very smart to be thinking about maximizing your retirement savings at your age. You will be handsomely rewarded at retirement time. Ensure you carefully ...
- Fri Feb 10, 2017 1:54 pm
- Forum: Personal Investments
- Topic: What to do with all this rollover money
- Replies: 23
- Views: 2542
Re: What to do with all this rollover money
Step 1: Rollover the IRA to Vanguard, and choose the Target Retirement Fund with an asset allocation that best meets your risk tolerance and income needs.
Step 2: There is no step 2 , you are done!
Step 2: There is no step 2 , you are done!
- Tue Jan 24, 2017 9:56 pm
- Forum: Personal Investments
- Topic: Why not high yield
- Replies: 22
- Views: 3668
Re: Why not high yield
The problem with high yield is that extra yield won't matter much if (actually make that WHEN) there is a large drop in NAV. And it will likely occur during an economic downturn, with your stock holdings also plummeting and possibly a job layoff. If you are in the bond market to buy-and-hold for the...
- Sun Jan 15, 2017 8:12 pm
- Forum: Personal Investments
- Topic: Where is the best place to keep a 529, and a new member question.
- Replies: 11
- Views: 968
Re: Where is the best place to keep a 529, and a new member question.
We use Utah's plan UESP.org
Extremely low cost, Vanguard Funds, very flexible options.
Extremely low cost, Vanguard Funds, very flexible options.
- Thu Jan 12, 2017 7:04 pm
- Forum: Personal Finance (Not Investing)
- Topic: Turbo Tax 2016 purchase source
- Replies: 91
- Views: 19121
Re: Turbo Tax 2016 purchase source
Misterbill, thank you very much for passing this deal along.
- Thu Jan 05, 2017 2:17 pm
- Forum: Personal Investments
- Topic: Individual 401k Contribution Questions
- Replies: 15
- Views: 1338
Re: Individual 401k Contribution Questions
Hello. #1 This "employee" contribution can be to I401(k) or Roth I401(k), if Roth is also offered by your plan. (Vanguard plan does offer Roth) So it does not necessarily have to be "pre-tax". #2 This "employer" portion cannot be made to a ROTH I401(k), it must be made ...
- Wed Dec 21, 2016 9:47 pm
- Forum: Personal Finance (Not Investing)
- Topic: 16 yo, first book on investing
- Replies: 28
- Views: 2835
Re: 16 yo, first book on investing
Naked Economics: Undressing the Dismal Science by Charles Wheelan is a terrific read. A very enjoyable and accessible intro to economics.
- Sun Dec 18, 2016 9:13 pm
- Forum: Personal Investments
- Topic: TLH on 12/31
- Replies: 7
- Views: 1272
Re: TLH on 12/31
Would it be accurate or not to say that selling Vanguard Intermediate-Term Tax-Exempt before or after the capital gain distribution would be inconsequential for TLH purposes? i.e. if selling after the distribution, would the tax bill on the gain just be equivalently offset by the additional loss in ...
- Wed Jan 20, 2016 1:52 pm
- Forum: Personal Investments
- Topic: move funds from old 401(k) to new one
- Replies: 10
- Views: 1072
Re: move funds from old 401(k) to new one
Worth noting, it is unlikely your new employer's 401k (even if they use Vanguard) will offer a better selection of funds and lower costs vs rolling it over to an IRA at Vanguard.
- Mon Jan 18, 2016 4:43 pm
- Forum: Investing - Theory, News & General
- Topic: Interesting study on "dumb" indexes
- Replies: 25
- Views: 4423
Re: Interesting study on "dumb" indexes
When changes occur to the DJIA, is their thought to attempt to replace what they anticipate to be future under-performers with future out-performers? I always thought the idea was to replace an irrelevant company with one more relevant to the economy as whole, and let the chips (pun intended) fall w...
- Wed Dec 23, 2015 8:44 pm
- Forum: Personal Investments
- Topic: 401K Rollover Question
- Replies: 3
- Views: 456
Re: 401K Rollover Question
It's highly likely that you will pay a much, much, lower expense ratio by rolling into an IRA with a low cost provider vs. your employer's 401(k)
- Sun Apr 19, 2015 10:19 am
- Forum: Investing - Theory, News & General
- Topic: The Better Money Method
- Replies: 2
- Views: 1436
Re: The Better Money Method
Check out this post by a frequent contributor to this forum.
http://whitecoatinvestor.com/rebutting- ... insurance/
http://whitecoatinvestor.com/rebutting- ... insurance/
- Sat Mar 21, 2015 2:40 pm
- Forum: Personal Investments
- Topic: Opened an account Vanguard yesterday, now having cold feet
- Replies: 60
- Views: 9953
Re: Opened an account Vanguard yesterday, now having cold fe
You invested in 4 very low cost, very well-diversified funds. Congratulate yourself on making a smart decision and ignore the noise.
- Sat Mar 14, 2015 7:53 pm
- Forum: Personal Finance (Not Investing)
- Topic: Solo 401k & tax filing - Employee/employer contributions
- Replies: 4
- Views: 694
Re: Solo 401k & tax filing - Employee/employer contributions
I've found Turbo Tax miscalculates the solo 401(k) max contribution.
It's very likely your maximum employer contribution is much less than $5500 that Turbo Tax is telling you.
Best to calculate it yourself based on below.
https://www.bogleheads.org/wiki/Solo_401(k)_plan
It's very likely your maximum employer contribution is much less than $5500 that Turbo Tax is telling you.
Best to calculate it yourself based on below.
https://www.bogleheads.org/wiki/Solo_401(k)_plan
- Wed Sep 24, 2014 2:11 pm
- Forum: Investing - Theory, News & General
- Topic: Vanguard Quarterly Dividends in September
- Replies: 40
- Views: 6835
Re: Vanguard Quarterly Dividends in September
Yes I noticed that as well. Article says it was scheduled to make a distribution on September 18, yet it has not happened.
- Sun Apr 06, 2014 6:52 pm
- Forum: Personal Finance (Not Investing)
- Topic: Self employment tax question [Contributing to Solo 401(k)]
- Replies: 1
- Views: 320
Re: Self employment tax question [Contributing to Solo 401(k
That's a good question actually.
The answer is no- solo 401(k) contributions will not defer or lower your self-employment tax.
Some useful info on self-employment tax:
http://taxes.about.com/od/soleproprieto ... nt-tax.htm
The answer is no- solo 401(k) contributions will not defer or lower your self-employment tax.
Some useful info on self-employment tax:
http://taxes.about.com/od/soleproprieto ... nt-tax.htm
- Thu Jan 17, 2013 9:42 pm
- Forum: Personal Investments
- Topic: mad money
- Replies: 22
- Views: 3044
Re: mad money
May I suggest investing in the low two figures with these two red hot picks: http://www.amazon.com/Bogleheads-Guide-Investing-Taylor-Larimore/dp/0470067365/ref=sr_1_1?ie=UTF8&qid=1358476668&sr=8-1&keywords=bogleheads+guide+to+investing http://www.amazon.com/Little-Book-Common-Sense-Inves...
- Mon Dec 17, 2012 9:08 pm
- Forum: Investing - Theory, News & General
- Topic: Why the Recent Volatility with Wellseley Fund?
- Replies: 22
- Views: 2910
Re: Why the Recent Volatility with Wellseley Fund?
Don't be sorry! Everyone here has asked that same question at some point. Except of course for those born with an understanding of bond fund distributions 

- Sun Dec 16, 2012 8:50 pm
- Forum: Investing - Theory, News & General
- Topic: Which would you choose??
- Replies: 16
- Views: 1583
Re: Which would you choose??
Perhaps also consider a similarly composed Target Retirement fund instead. This would make it even simpler, as you would be removing the future need to adjust the allocation to be more conservative over time.
- Wed Dec 12, 2012 7:14 pm
- Forum: Personal Investments
- Topic: massachusetts 529
- Replies: 9
- Views: 1202
Re: massachusetts 529
Sounds like you are doing everything right, and for the right reasons. Successor owner would be naming who takes ownership of the account should the owner pass away.
- Wed Dec 12, 2012 10:24 am
- Forum: Personal Investments
- Topic: massachusetts 529
- Replies: 9
- Views: 1202
Re: massachusetts 529
Important to think how this 529 fits in to your overall financial plan. Are you sacrificing money that could be used for maxing out IRA’s first? Could this money be going into a 401(k) with a company match that you’re missing out on? Could it be paying off high interest debt? Things like that. Also ...
- Tue Dec 11, 2012 11:46 pm
- Forum: Personal Investments
- Topic: massachusetts 529
- Replies: 9
- Views: 1202
Re: massachusetts 529
You are totally on the right track and that plan would be a solid choice with the Fidelity index funds. However, check out Utah's plan as well. UESP.ORG You'll find their expenses are lower than the Mass plan, offer Vanguard's broad market index funds, and allow for a completely customizable & a...