Search found 155 matches

by lhwerdyt*1791c
Mon Jul 16, 2018 4:12 pm
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 10039

Re: Why own a bed?

Are there any good reasons to own a bed? Why not just sleep on a mattress on the floor (I think the Japanese do that?) instead of paying hundreds or thousands of dollars to sleep a few feet off the ground? Depends on your age, too. As we got older, we needed a bed that was off the floor; a higher b...
by lhwerdyt*1791c
Mon Jul 16, 2018 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Who are heirs? No will.
Replies: 56
Views: 8074

Re: Who are heirs? No will.

Why have you not consulted a lawyer in Indiana and or the probate court by now? Very fair question. It's still in probate. I think only they can fully answer this question. Ianal . I think the section you are looking at deals with cousins. Some states never get to cousins. But most likely the other...
by lhwerdyt*1791c
Mon Jul 16, 2018 2:40 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio vs. Schwab Target Fund
Replies: 91
Views: 10932

Re: Schwab Intelligent Portfolio vs. Schwab Target Fund

retiredjg wrote:
Mon Jul 16, 2018 1:56 pm
Happy to help. Hope things work out well for her (and you too!). :happy
Very kind of you.
by lhwerdyt*1791c
Mon Jul 16, 2018 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Who are heirs? No will.
Replies: 56
Views: 8074

Re: Who are heirs? No will.

Why have you not consulted a lawyer in Indiana and or the probate court by now? Very fair question. It's still in probate. I think only they can fully answer this question. Ianal . I think the section you are looking at deals with cousins. Some states never get to cousins. But most likely the other...
by lhwerdyt*1791c
Mon Jul 16, 2018 1:33 pm
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 10039

Re: Why own a bed?

PFInterest wrote:
Mon Jul 16, 2018 10:43 am
......

a box spring is like.....100 new. 20 on craigslist.

a metal frame is also like 50.

i dont know where you get thousands.
Depends on you age, too. As we got older, we needed a bed that was off the floor; it was so much easier to change the sheets.
by lhwerdyt*1791c
Mon Jul 16, 2018 1:26 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio vs. Schwab Target Fund
Replies: 91
Views: 10932

Re: Schwab Intelligent Portfolio vs. Schwab Target Fund

Paying $76 one or two times will not ruin her portfolio if she prefers the Vanguard product. However, if there is also a fee for selling it would be a bad idea because she may be selling several times a year. The important thing is to make a decision and get the money where it needs to be. Any of t...
by lhwerdyt*1791c
Mon Jul 16, 2018 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Who are heirs? No will.
Replies: 56
Views: 8074

Re: Who are heirs? No will.

It's been a while since I've posted so I'd like to ask the question(s) in a differently way. Background: The deceased individual lived in Indiana had no will. His spouse, child, parents, grandparents, and siblings all predeceased him. The only related individuals surviving the decendent are his fir...
by lhwerdyt*1791c
Fri Jul 13, 2018 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Who are heirs? No will.
Replies: 56
Views: 8074

Re: Who are heirs? No will.

One other thing for consideration. Intestate succession for real property is controlled by the statutes of the state in which the real property is located. Based on what you said, it looks like the only real property he owned was his house ( "It is a modest estate consisting mostly of a house." ). ...
by lhwerdyt*1791c
Fri Jul 13, 2018 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Who are heirs? No will.
Replies: 56
Views: 8074

Re: Who are heirs? No will.

Based on the following information, who are the legal heirs and how is the estate to be legally spit among the heirs? Is this a state or federal based law? The family is in the process of hiring an estate lawyer but appreciates comments from the forum.</t> <t>1. An uncle, Robert, recently deceased....
by lhwerdyt*1791c
Fri Jul 13, 2018 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: Who are heirs? No will.
Replies: 56
Views: 8074

Re: Who are heirs? No will.

It's been a while since I've posted so I'd like to ask the question(s) in a differently way. Background: The deceased individual lived in Indiana had no will. His spouse, child, parents, grandparents, and siblings all predeceased him. The only related individuals surviving the decendent are his firs...
by lhwerdyt*1791c
Fri Jul 13, 2018 8:06 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio vs. Schwab Target Fund
Replies: 91
Views: 10932

Re: Schwab Intelligent Portfolio vs. Schwab Target Fund

#2: Ok. We will look to see if Schwab has a three-fund: Total Stock index, total international, index, and a bond (total if available) at some point if she wants to consider it. Schwab's Target Date Index funds would be essentially the same as a "3 fund portfolio". They use slightly different build...
by lhwerdyt*1791c
Mon Jul 02, 2018 11:18 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio vs. Schwab Target Fund
Replies: 91
Views: 10932

Re: Schwab Intelligent Portfolio vs. Schwab Target Fund

1. She is ok with having a TD plus a three-fund portfolio but wants to know, is there a simpler way to go about it assuming she still keeps SV at Pru? She could keep it all at Prudential. That would be simpler. If she wants to move her money and if she wants to keep the SV, that sounds like a reaso...
by lhwerdyt*1791c
Mon Jul 02, 2018 12:44 am
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio vs. Schwab Target Fund
Replies: 91
Views: 10932

Re: Schwab Intelligent Portfolio vs. Schwab Target Fund

1. Re: Schwab Total Bond Index Per the much appreciated above suggestions re: 10% into the Schwab Total Bond Index (SWLGX, right?)...I couldn't find it listed at S. Schwab's related "FAQs" on this explains that it liquidated SWLGX in 2017 and suggested two replacement options: - Schwab US Aggregate...
by lhwerdyt*1791c
Sun Jul 01, 2018 11:25 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio vs. Schwab Target Fund
Replies: 91
Views: 10932

Re: Schwab Intelligent Portfolio vs. Schwab Target Fund

I'm with Schwab and use Vanguard Lifestrategy in all accounts. Since I'm retired and don't contribute anymore, there was only a one time fee for purchasing and now we only sell as needed with NO fee at all. Works great for us so far. Hello, was there any significant reason why you chose V Lifestrat...
by lhwerdyt*1791c
Mon Jun 25, 2018 11:40 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio vs. Schwab Target Fund
Replies: 91
Views: 10932

Re: Schwab Intelligent Portfolio vs. Schwab Target Fund

I'm with Schwab and use Vanguard Lifestrategy in all accounts. Since I'm retired and don't contribute anymore, there was only a one time fee for purchasing and now we only sell as needed with NO fee at all. Works great for us so far. Hello, was there any significant reason why you chose V Lifestrat...
by lhwerdyt*1791c
Sun Jun 17, 2018 2:39 am
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio vs. Schwab Target Fund
Replies: 91
Views: 10932

Re: Schwab Intelligent Portfolio vs. Schwab Target Fund

For those that continue to erroneously mention that the SIP has a "cash drag" you should actually research the details of the actual fixed income allocation that SIP uses. There is no cash drag. I did a quick evaluation of the yield of the example portfolio that Schwab has on this page: https://int...
by lhwerdyt*1791c
Fri Jun 08, 2018 2:14 am
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio vs. Schwab Target Fund
Replies: 91
Views: 10932

Re: Schwab Intelligent Portfolio vs. Schwab Target Fund

Well, you have two choices: you can unwrap the funds, taking them out of your SIP account and moving them to a regular account, or liquidate the funds within SIP and transfer the proceeds to a regular account. The first option means that when you sell, you may have to pay transaction costs, dependi...
by lhwerdyt*1791c
Fri Jun 08, 2018 2:09 am
Forum: Personal Consumer Issues
Topic: New mattress
Replies: 84
Views: 12785

Re: New mattress

I just ordered an Avocado Green mattress which is a hybrid with coils and latex. Should have it by end of month. My brother bought a sleep on latex bed a couple weeks ago. He got the soft version and I thought it was too soft. If possible, let us know what you think of the Avocado Green mattress. T...
by lhwerdyt*1791c
Fri Jun 08, 2018 2:02 am
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio vs. Schwab Target Fund
Replies: 91
Views: 10932

Re: Schwab Intelligent Portfolio vs. Schwab Target Fund

For those that continue to erroneously mention that the SIP has a "cash drag" you should actually research the details of the actual fixed income allocation that SIP uses. There is no cash drag. I did a quick evaluation of the yield of the example portfolio that Schwab has on this page: https://int...
by lhwerdyt*1791c
Fri Jun 08, 2018 1:18 am
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio vs. Schwab Target Fund
Replies: 91
Views: 10932

Re: Schwab Intelligent Portfolio vs. Schwab Target Fund

I recently decided to give the Intelligent Portfolios a try (I'm 99% invested 3 fund) for two reasons (1) try out Schwab's customer service (so far middling to disappointing) and (2) because I was curious about the intelligent portfolio product. I picked the most aggressive allocation and my weight...
by lhwerdyt*1791c
Fri Jun 08, 2018 1:13 am
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio vs. Schwab Target Fund
Replies: 91
Views: 10932

Re: Schwab Intelligent Portfolio vs. Schwab Target Fund

1. Re: Schwab Total Bond Index Per the much appreciated above suggestions re: 10% into the Schwab Total Bond Index (SWLGX, right?)...I couldn't find it listed at S. Schwab's related "FAQs" on this explains that it liquidated SWLGX in 2017 and suggested two replacement options: - Schwab US Aggregate...
by lhwerdyt*1791c
Fri Jun 08, 2018 1:04 am
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio vs. Schwab Target Fund
Replies: 91
Views: 10932

Re: Schwab Intelligent Portfolio vs. Schwab Target Fund

1. Re: Schwab Total Bond Index Per the much appreciated above suggestions re: 10% into the Schwab Total Bond Index (SWLGX, right?)...I couldn't find it listed at S. Schwab's related "FAQs" on this explains that it liquidated SWLGX in 2017 and suggested two replacement options: - Schwab US Aggregate...
by lhwerdyt*1791c
Wed Jun 06, 2018 12:03 am
Forum: Personal Consumer Issues
Topic: New mattress
Replies: 84
Views: 12785

Re: New mattress

Start by reading the forums and the articles here https://www.themattressunderground.com/mattress-forum.html the user Phoenix is the most knowledgeable owner/member on a subject on any forum I've seen he knows more about mattresses than any one person should know, he breaks down the memory foam den...
by lhwerdyt*1791c
Tue Jun 05, 2018 10:21 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio vs. Schwab Target Fund
Replies: 91
Views: 10932

Re: Schwab Intelligent Portfolio vs. Schwab Target Fund

First, I spoke with Schwab tonight re: any fees for buying a Vanguard TD fund from the Schwab account. S charges $76 to buy, $0 to sell if it's a mutual fund. No "fee" if Schwab offers an ETF equivalent fund except for $4.95 cost; not sure if that's $4.95 once or when selling, too. I couldn't find ...
by lhwerdyt*1791c
Tue Jun 05, 2018 9:25 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio vs. Schwab Target Fund
Replies: 91
Views: 10932

Re: Schwab Intelligent Portfolio vs. Schwab Target Fund

Hello, and thx for information. Can you brief explain what's involved in unwinding SIP? Well, you have two choices: you can unwrap the funds, taking them out of your SIP account and moving them to a regular account, or liquidate the funds within SIP and transfer the proceeds to a regular account. T...
by lhwerdyt*1791c
Mon Jun 04, 2018 6:13 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio vs. Schwab Target Fund
Replies: 91
Views: 10932

Re: lifestrategy

Well, the Schwab rep told me last night that the fee(s) applied to buying a Vanguard Target Date fund(s) at Schwab at least that's what I understood. But I'll verify. Yes, a fee would apply to buying Vanguard funds at Schwab. I meant there should be no fee to buy a Schwab Index Target fund at Schwa...
by lhwerdyt*1791c
Mon Jun 04, 2018 6:12 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio vs. Schwab Target Fund
Replies: 91
Views: 10932

lifestrategy

Well, the Schwab rep told me last night that the fee(s) applied to buying a Vanguard Target Date fund(s) at Schwab at least that's what I understood. But I'll verify. Yes, a fee would apply to buying Vanguard funds at Schwab. I meant there should be no fee to buy a Schwab Index Target fund at Schwa...
by lhwerdyt*1791c
Mon Jun 04, 2018 5:43 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio vs. Schwab Target Fund
Replies: 91
Views: 10932

Re: Schwab Intelligent Portfolio vs. Schwab Target Fund

First, I spoke with Schwab tonight re: any fees for buying a Vanguard TD fund from the Schwab account. S charges $76 to buy, $0 to sell if it's a mutual fund. No "fee" if Schwab offers an ETF equivalent fund except for $4.95 cost; not sure if that's $4.95 once or when selling, too. I couldn't find ...
by lhwerdyt*1791c
Mon Jun 04, 2018 5:32 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio vs. Schwab Target Fund
Replies: 91
Views: 10932

Re: Schwab Intelligent Portfolio vs. Schwab Target Fund

Did you find that the SIP offers you something you want that the Target Date Index fund does not offer? If not, I'd just go with the target fund. If it ever migrates to a position that is too conservative for you, just exchange it (or part of it) to the next less aggressive date. Nothing stood out ...
by lhwerdyt*1791c
Mon Jun 04, 2018 2:23 am
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio vs. Schwab Target Fund
Replies: 91
Views: 10932

Re: Schwab Intelligent Portfolio vs. Schwab Target Fund

We have a related TD question. Since one can choose non-Schwab funds, we are also looking at Vanguard target dates funds instead of the relatively newer Schwab target date funds. We realize past performance data is not a guarantee of future data, but an thoughts? All things being equal, I'd prefer ...
by lhwerdyt*1791c
Mon Jun 04, 2018 1:49 am
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio vs. Schwab Target Fund
Replies: 91
Views: 10932

Re: Schwab Intelligent Portfolio vs. Schwab Target Fund

Having only been trying the product for <1 month it is hard to say much more about it. I think if I were going to do a roboadvisor (which I am :D) then picking Schwab for 0 additional direct fees (yes the cash drag) would be my choice. Do you think the Schwab robo offers something better than the i...
by lhwerdyt*1791c
Mon Jun 04, 2018 1:43 am
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio vs. Schwab Target Fund
Replies: 91
Views: 10932

Re: Schwab Intelligent Portfolio vs. Schwab Target Fund

A potential "problem" with Target date funds is the regular (but slow) change in asset allocation over time. Might be something you want but maybe you don't. There are a lot of fund-of-funds around, many from Vanguard (LifeStrategy, target date, etc) but also from Schwab, Fidelity, and just about e...
by lhwerdyt*1791c
Mon Jun 04, 2018 1:35 am
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio vs. Schwab Target Fund
Replies: 91
Views: 10932

Re: Schwab Intelligent Portfolio vs. Schwab Target Fund

Hello, and thx for information. Can you brief explain what's involved in unwinding SIP? Well, you have two choices: you can unwrap the funds, taking them out of your SIP account and moving them to a regular account, or liquidate the funds within SIP and transfer the proceeds to a regular account. T...
by lhwerdyt*1791c
Mon Jun 04, 2018 1:22 am
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio vs. Schwab Target Fund
Replies: 91
Views: 10932

Re: Schwab Intelligent Portfolio vs. Schwab Target Fund

Did you find that the SIP offers you something you want that the Target Date Index fund does not offer? If not, I'd just go with the target fund. If it ever migrates to a position that is too conservative for you, just exchange it (or part of it) to the next less aggressive date. Nothing stood out ...
by lhwerdyt*1791c
Sun Jun 03, 2018 1:43 am
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio vs. Schwab Target Fund
Replies: 91
Views: 10932

Re: Schwab Intelligent Portfolio vs. Schwab Target Fund

I believe another difference between the SIP funds and the Target funds is that the Target funds rebalance the asset allocation automatically over time, from more aggressive to more conservative, whereas the SIP funds maintain whatever asset allocation you start with (unless you take the action to ...
by lhwerdyt*1791c
Sun Jun 03, 2018 1:40 am
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio vs. Schwab Target Fund
Replies: 91
Views: 10932

Re: Schwab Intelligent Portfolio vs. Schwab Target Fund

I use Schwab Intelligent Portfolio for my taxable account, and a target date index fund for my tax-advantaged account. Hello, billthecat - Could you please explain how is the Schwab Int Port better for taxable accounts? Thx, LH Tax loss harvesting. That said, I’m not actually sure how the tax loss ...
by lhwerdyt*1791c
Thu May 31, 2018 9:30 pm
Forum: Investing - Help with Personal Investments
Topic: Edited Question: In-Retirement - Need Portfolio Evaluation etc
Replies: 66
Views: 4504

Re: Edited Question: In-Retirement - Need Portfolio Evaluation etc

I was reading the blog's WIKI re: questions in getting started (I can't find the section, now). Seemed to be recommending not to have a target date or blended fund in a taxable account. Reason: bonds are tax-inefficient; better to keep stock and bond investing as separate funds in taxable accounts ...
by lhwerdyt*1791c
Thu May 31, 2018 9:23 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio vs. Schwab Target Fund
Replies: 91
Views: 10932

Re: Schwab Intelligent Portfolio vs. Schwab Target Fund

We have a related TD question. Since one can choose non-Schwab funds, we are also looking at Vanguard target dates funds instead of the relatively newer Schwab target date funds. We realize past performance data is not a guarantee of future data, but an thoughts? All things being equal, I'd prefer ...
by lhwerdyt*1791c
Wed May 30, 2018 11:56 pm
Forum: Investing - Help with Personal Investments
Topic: Edited Question: In-Retirement - Need Portfolio Evaluation etc
Replies: 66
Views: 4504

Re: Edited Question: In-Retirement - Need Portfolio Evaluation etc

Ok, if I understand correctly, she would have one custodian (either Schwab or Fidelity) where she would have these two accounts? 1) A Schwab IRA account that includes one fund: The Schwab 2020 Index Target Fund - unless she decides to start with a "younger" fund as you depending on her AA decision,...
by lhwerdyt*1791c
Wed May 30, 2018 11:20 pm
Forum: Investing - Help with Personal Investments
Topic: Edited Question: In-Retirement - Need Portfolio Evaluation etc
Replies: 66
Views: 4504

Re: Edited Question: In-Retirement - Need Portfolio Evaluation etc

Ok, if I understand correctly, she would have one custodian (either Schwab or Fidelity) where she would have these two accounts? 1) A Schwab IRA account that includes one fund: The Schwab 2020 Index Target Fund - unless she decides to start with a "younger" fund as you depending on her AA decision,...
by lhwerdyt*1791c
Wed May 30, 2018 10:11 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio vs. Schwab Target Fund
Replies: 91
Views: 10932

Re: Schwab Intelligent Portfolio vs. Schwab Target Fund

Did you find that the SIP offers you something you want that the Target Date Index fund does not offer? If not, I'd just go with the target fund. If it ever migrates to a position that is too conservative for you, just exchange it (or part of it) to the next less aggressive date. Not really re the ...
by lhwerdyt*1791c
Mon May 28, 2018 6:26 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio vs. Schwab Target Fund
Replies: 91
Views: 10932

Re: Schwab Intelligent Portfolio vs. Schwab Target Fund

What does the Schwab Intelligent Portfolio offer that you don't get with a Target Fund? Hello Retiredjg. Here is more information based on a conversation I had with Schwab: Target date index funds (TDIF) invests in funds. If choosing a Schwab TDIF, go with 2020, not 2025 as it is too aggressive. 20...
by lhwerdyt*1791c
Mon May 28, 2018 5:23 pm
Forum: Local Chapters and Bogleheads Community
Topic: MEMORIAL DAY 2018
Replies: 28
Views: 2971

Re: MEMORIAL DAY 2018

Dear Taylor, I read your post yesterday. I was very moved by it for obvious reasons but also because unless we happen to be listening to the news, we don't hear enough about the meaning of Memorial Day. So thank you for posting about this very important day and more about yourself. Our service men a...
by lhwerdyt*1791c
Sun Mar 18, 2018 12:42 am
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio vs. Schwab Target Fund
Replies: 91
Views: 10932

Re: Schwab Intelligent Portfolio vs. Schwab Target Fund

<r><QUOTE author="patrick013" post_id="3819182" time="1520461061" user_id="100527"><s> </s> <IMG src="https://myphotos.mypclinuxos.com/images/patrick013/half5.png"><s>[img]</s><URL url="https://myphotos.mypclinuxos.com/images/patrick013/half5.png"><LINK_TEXT text="https://myphotos.mypclinuxos.com/im...
by lhwerdyt*1791c
Sun Mar 18, 2018 12:39 am
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio vs. Schwab Target Fund
Replies: 91
Views: 10932

Re: Schwab Intelligent Portfolio vs. Schwab Target Fund

tfb wrote:
Wed Mar 07, 2018 6:56 pm
lhwerdyt*1791c wrote:
Wed Mar 07, 2018 3:16 pm
The Forum has already suggested a Schwab Target Fund (or a three fund) for in-retirement investing.
Remember Schwab has two sets of Target Funds. The older/original target funds aren't any better than SIP.
Hi. I should have clarified that I was referring to TD Index funds.
by lhwerdyt*1791c
Thu Mar 15, 2018 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap insurance
Replies: 1
Views: 467

Re: Medigap insurance

I'm helping a friend research a medigap plan G in Texas. (Zipcode 78758) I've collected lots of conflicting information as far as to rate increases for specific companies over the last few years. Different agents are recommending different companies for different reasons, making it difficult to mak...
by lhwerdyt*1791c
Thu Mar 15, 2018 8:23 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio vs. Schwab Target Fund
Replies: 91
Views: 10932

Re: Schwab Intelligent Portfolio vs. Schwab Target Fund

I also found the following issue at https://thefinancebuff.com/schwab-intelligent-portfolios-the-true-cost-of-a-cash-drag.html#comments - in the comments section. (Only 18 comments): "Actually, it is a two-time cost: at buy AND sell time. Depending on your holding horizon, it could be significant. ...
by lhwerdyt*1791c
Thu Mar 15, 2018 8:19 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio vs. Schwab Target Fund
Replies: 91
Views: 10932

Re: Schwab Intelligent Portfolio vs. Schwab Target Fund

I use Schwab Intelligent Portfolio for my taxable account, and a target date index fund for my tax-advantaged account. Hello, billthecat - Could you please explain how is the Schwab Int Port better for taxable accounts? Thx, LH Tax loss harvesting. That said, I’m not actually sure how the tax loss ...
by lhwerdyt*1791c
Mon Mar 12, 2018 11:42 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio vs. Schwab Target Fund
Replies: 91
Views: 10932

Re: Schwab Intelligent Portfolio vs. Schwab Target Fund

I also found the following issue at https://thefinancebuff.com/schwab-intelligent-portfolios-the-true-cost-of-a-cash-drag.html#comments - in the comments section. (Only 18 comments): "Actually, it is a two-time cost: at buy AND sell time. Depending on your holding horizon, it could be significant. ...
by lhwerdyt*1791c
Mon Mar 12, 2018 11:37 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio vs. Schwab Target Fund
Replies: 91
Views: 10932

Re: Schwab Intelligent Portfolio vs. Schwab Target Fund

. . . vs Vanguard Target Retirement or Life Strategy Funds? j I hear you, J. But we need in-person access due to a disability. So we chose between Fidelity and Schwab, and picked Schwab. Thx! LH Good choice. I'm with Vanguard but also am with Schwab because of their in-person access in Scottsdale. ...