How do you do ACH from Vanguard, apart from a VanguardAdvantage account (which uses the TBNY Mellon bank routing and account #)?
Search found 17 matches
- Thu Feb 28, 2019 1:25 pm
- Forum: Investing - Theory, News & General
- Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
- Replies: 631
- Views: 64872
- Mon Oct 08, 2018 4:51 pm
- Forum: Investing - Theory, News & General
- Topic: Debunking Bonds in Taxable
- Replies: 155
- Views: 18498
Re: Debunking Bonds in Taxable
For a detailed analysis of this issue, see The Asset Location Decision Revisited, a 2013 article in the Journal of Financial Planning https://www.onefpa.org/journal/Pages/November-2013-The-Asset-Location-Decision-Revisited.aspx It concludes: This study has revealed that the traditional approach to c...
- Sat Sep 22, 2018 10:29 am
- Forum: Personal Investments
- Topic: The bond side of my asset allocation ...
- Replies: 21
- Views: 1237
Re: The bond side of my asset allocation ...
Vanguard's answer to the question is here in this research paper: https://personal.vanguard.com/pdf/ICRIBI.pdf They say, among other things: The ‘principal at maturity’ myth Holding an individual bond to maturity primarily confers an emotional, rather than economic, benefit and tends to be most prac...
- Mon Sep 10, 2018 11:44 am
- Forum: Personal Investments
- Topic: General check-up on retirement financial status
- Replies: 22
- Views: 1788
Re: General check-up on retirement financial status
Delaying SS to 70 is the easy and best thing you can do to hold down these looming taxes simply because of it's significantly lower tax rate. No state tax on it and at least 15% is always untaxed by IRS. Thanks. I hadn't thought of it like that. I always forget to consider the different tax bite on...
- Mon Sep 10, 2018 11:42 am
- Forum: Personal Investments
- Topic: General check-up on retirement financial status
- Replies: 22
- Views: 1788
Re: General check-up on retirement financial status
Roth conversion (perhaps to higher than typical levels) because eventually you will have: SS + pension + RMDs. Thanks. Definitely looking at Roth conversions. An aspect of that I'm not sure how to factor in is that all our IRA beneficiaries are tax-exempt charities. So, to whatever extent conversio...
- Mon Sep 10, 2018 11:38 am
- Forum: Personal Investments
- Topic: General check-up on retirement financial status
- Replies: 22
- Views: 1788
Re: General check-up on retirement financial status
Everything looks good to me, your asset allocation is a bit aggressive but you have plenty of income and assets so there is no problem (you should still be fine even with a major correction). Thank you. I've been contemplating whether AA is maybe too aggressive at this point. We've always been in t...
- Sun Sep 09, 2018 9:45 pm
- Forum: Personal Investments
- Topic: General check-up on retirement financial status
- Replies: 22
- Views: 1788
- Sun Sep 09, 2018 9:41 pm
- Forum: Personal Investments
- Topic: General check-up on retirement financial status
- Replies: 22
- Views: 1788
Re: General check-up on retirement financial status
Thanks, I think that's right.
- Sun Sep 09, 2018 9:11 pm
- Forum: Personal Investments
- Topic: General check-up on retirement financial status
- Replies: 22
- Views: 1788
Re: General check-up on retirement financial status
Your expenses appear quite low, and with no debt, you should have no financial stress whatever happens with the markets. Your portfolio is significantly weighted toward domestic equities, and now may be a good time to raise the foreign stock allocation. International stocks have not had good recent...
- Sun Sep 09, 2018 8:34 pm
- Forum: Personal Investments
- Topic: General check-up on retirement financial status
- Replies: 22
- Views: 1788
Re: General check-up on retirement financial status
Yes, very much a concern.
- Sun Sep 09, 2018 8:11 pm
- Forum: Personal Investments
- Topic: General check-up on retirement financial status
- Replies: 22
- Views: 1788
- Sun Sep 09, 2018 8:08 pm
- Forum: Personal Investments
- Topic: General check-up on retirement financial status
- Replies: 22
- Views: 1788
Re: General check-up on retirement financial status
Only suggestion is you consider giving away some of your wealth before you both pass so you can see the good that comes from your generosity. Thank you, yes, have done some of that and probably will do more as we get older. At our current ages, I guess I'm focused a lot on the contingency scenarios...
- Sun Sep 09, 2018 7:07 pm
- Forum: Personal Investments
- Topic: General check-up on retirement financial status
- Replies: 22
- Views: 1788
General check-up on retirement financial status
Hi, I would greatly appreciate any input regarding the following, whether portfolio advice, AA, SS, tax strategies, sleep-at-night strategies, or anything else that comes to mind! Many thanks. H is 64, W is 67, both retired, both in reasonably good health; no children. Neither is taking SS benefits ...
- Sat Jun 16, 2018 12:41 pm
- Forum: Personal Investments
- Topic: Roth conversion advice - charitable beneficiaries
- Replies: 6
- Views: 640
Re: Roth conversion advice - charitable beneficiaries
Thanks everyone ... pondering all this!
- Fri Jun 15, 2018 10:24 pm
- Forum: Personal Investments
- Topic: Roth conversion advice - charitable beneficiaries
- Replies: 6
- Views: 640
Re: Roth conversion advice - charitable beneficiaries
House Blend, thanks very much. 1. Yes ... and a related decision is when to have W start SS. Hers is smaller. 2. If I understand you correctly, you're saying that if, later on, our spending needs exceed SS + RMDs, such that additional IRA withdrawals become necessary, take from Roth. Right? 3. No ch...
- Fri Jun 15, 2018 2:59 pm
- Forum: Personal Investments
- Topic: Roth conversion advice - charitable beneficiaries
- Replies: 6
- Views: 640
Roth conversion advice - charitable beneficiaries
I'm 64, wife is 67, both retired, both in reasonably good health, neither have started SS. Current taxable income is from investment earnings and her pension, and we're in a very low tax bracket right now. But we both have significant size tIRAs, so will face taxy RMDs when the time comes. My best g...
- Tue Mar 20, 2018 6:29 pm
- Forum: Personal Finance (Not Investing)
- Topic: Timing of RMD on Inherited IRA
- Replies: 6
- Views: 583