Search found 163 matches

by shariron
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...
by shariron
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?
by shariron
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...
by shariron
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...
by shariron
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.
by shariron
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 ...
by shariron
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....
by shariron
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 ...
by shariron
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...
by shariron
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...
by shariron
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...
by shariron
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
by shariron
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...
by shariron
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.
by shariron
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.
by shariron
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.
by shariron
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"
by shariron
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
by shariron
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.
by shariron
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+
by shariron
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.
by shariron
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
by shariron
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.
by shariron
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.
by shariron
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/#/
by shariron
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
by shariron
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 ...
by shariron
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!
by shariron
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...
by shariron
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.
by shariron
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.
by shariron
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 ...
by shariron
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.
by shariron
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 ...
by shariron
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.
by shariron
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...
by shariron
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)
by shariron
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/
by shariron
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.
by shariron
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
by shariron
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.
by shariron
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
by shariron
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...
by shariron
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 :wink:
by shariron
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.
by shariron
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.
by shariron
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 ...
by shariron
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...