Search found 200 matches

by Doctor Rhythm
Mon Jun 29, 2020 3:32 pm
Forum: Personal Investments
Topic: Looking for verification on Annuity pitch...
Replies: 80
Views: 4951

Re: Looking for verification on Annuity pitch...

I have 8200 in an IRA at Morgan Stanley She has 12000 in an IRA there as well. Both are in the fund MAMAX ... Any input is greatly appreciated MAMAX is a moderate allocation fund that puts about 60% of your investment in stocks and 40% in a bonds/cash. It has a 0.96% expense ratio and a 5.75% front...
by Doctor Rhythm
Sat Jun 13, 2020 6:02 pm
Forum: Personal Investments
Topic: Roth IRA most aggressive fund
Replies: 26
Views: 1956

Re: Roth IRA most aggressive fund

Dakota wrote:
Sat Jun 13, 2020 5:11 pm
VTWAX world stock, VMGMX madcap growth. VWUSX U.S. growth
We're all about madcap growth here. Seriously, though - I'd recommend using a high allocation to equity (versus fixed income) as the way to be aggressive, rather than by decreasing diversification.
by Doctor Rhythm
Wed Jun 10, 2020 11:41 pm
Forum: Personal Investments
Topic: Opinions on investment in the Indian Market
Replies: 6
Views: 421

Re: Opinions on investment in the Indian Market

Welcome to the forum. I suspect that most regulars here own international (non-US) stocks, and most also own some emerging market stocks. I suspect very few deliberately invest in a specific foreign country's market unless they also happen to live there. The party line here is to invest broadly in t...
by Doctor Rhythm
Thu Jun 04, 2020 9:07 pm
Forum: Personal Investments
Topic: DCA frequency
Replies: 24
Views: 1074

Re: DCA frequency

Here's another way of looking at it: If the money in question were already invested, would you cash out now and then DCA back into the market at whatever frequency you're considering (assuming no tax consequences)? If you say "I wouldn't cash out now", then you're essentially saying a lump sum inves...
by Doctor Rhythm
Thu Jun 04, 2020 8:48 pm
Forum: Personal Investments
Topic: Vanguard vs. Fidelity
Replies: 123
Views: 9481

Re: Vanguard vs. Fidelity

We have accounts at both (plus at Schwab). I don't think it really matters whether you consolidate to one or the other. As you correctly state, the total stock market and the S&P 500 track very closely, but the latter has done minimally better in the past few years. Of course, there's no way to know...
by Doctor Rhythm
Thu Jun 04, 2020 8:28 pm
Forum: Personal Investments
Topic: Want to tilt scv, only option is expensive
Replies: 12
Views: 938

Re: Want to tilt scv, only option is expensive

If SCV outperformed the S&P 500 by a remarkable 1% every year for the next twenty years, you'd still be down by >5% compared to sticking with the latter due to the high ER. Also, it isn't what you asked about, but if my investable net worth were $159k, I would try to build up an emergency fund first.
by Doctor Rhythm
Fri May 29, 2020 5:47 pm
Forum: Personal Investments
Topic: Advice on Mother-In-Law's Portfolio
Replies: 6
Views: 787

Re: Advice on Mother-In-Law's Portfolio

What are her annual expenses in excess of what’s covered by social security?
by Doctor Rhythm
Fri May 22, 2020 3:36 pm
Forum: Personal Investments
Topic: Is Vanguard's Personal Advisor Service Worth It???
Replies: 138
Views: 10850

Re: Is Vanguard's Personal Advisor Service Worth It???

Hello, I have 150k and 80k in a rollover IRA and brokerage account respectively. The money is managed by a financial advisor affiliated with LPL financial. The advisory fee is 1.25 % and the yearly account maintenance fee is $40.0. Since inception in 2017, I have paid over 7k in fees. Yes, you shou...
by Doctor Rhythm
Fri May 22, 2020 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Any easy way to check accuracy of Amazon credit card bill?
Replies: 9
Views: 880

Re: Any easy way to check accuracy of Amazon credit card bill?

I’ve had Amazon Marketplace fraud. It’s always a bunch of under $20 charges. My CC company said this is common now, making the fraud small so it is missed on the bill. Are you saying that Amazon is adding additional unauthorized charges to credit card purchases? In other words, when the check out p...
by Doctor Rhythm
Thu May 21, 2020 4:43 pm
Forum: Personal Investments
Topic: Moved all Retirement Plans to Cash Last Wed Based on Tepper's Call
Replies: 95
Views: 11804

Re: Moved all Retirement Plans to Cash Last Wed Based on Tepper's Call

magicrat wrote:
Thu May 21, 2020 2:41 pm
What's a Tepper's call? Some new derivative?
I'll do you one better. Why is a Tepper's call?
by Doctor Rhythm
Wed May 20, 2020 9:52 pm
Forum: Personal Investments
Topic: Suggested Portfolio from Vanguard PAS
Replies: 16
Views: 998

Re: Suggested Portfolio from Vanguard PAS

Nothing is inherently wrong with their advice - though I'm not sure it's worth 0.3% AUM. You could also get a very similar portfolio with their total world stock ETF (VT). Or, just buy their Target Date 2060 fund (has about 10% bond allocation). In any case, I don't think you need to keep paying the...
by Doctor Rhythm
Wed May 20, 2020 8:37 pm
Forum: Personal Investments
Topic: Seeking advice regarding managing my taxable account money
Replies: 14
Views: 1123

Re: Seeking advice regarding managing my taxable account money

Their sales pitch was that index and target date funds tend to be over-weighted toward large cap and that I would benefit from more hands-on rebalancing and tax loss harvesting, among other aspects of active management. Of course they said that. Seriously though, that management fee plus the higher...
by Doctor Rhythm
Tue May 19, 2020 8:09 pm
Forum: Investing - Theory, News & General
Topic: My idea for a 1-fund Vanguard-only portfolio
Replies: 12
Views: 1754

Re: My idea for a 1-fund Vanguard-only portfolio

Who would this 1-fund portfolio be appropriate for? Off the top of my head, I'd say investors able to lose 50% of their savings, willing to ignore over 90% of the global cap equity market, and who have a rock-solid belief that this narrow segment with it's low P/B ratio will eventually outstrip the ...
by Doctor Rhythm
Tue May 19, 2020 6:55 pm
Forum: Personal Investments
Topic: ETF versus MF
Replies: 29
Views: 1558

Re: ETF versus MF

Trading ETF is easier, faster, and less restricted than with mutual funds. The downside is that trading ETF is easier, faster, and less restricted than with mutual funds.
by Doctor Rhythm
Tue May 19, 2020 6:44 pm
Forum: Personal Investments
Topic: Investments right now
Replies: 17
Views: 1644

Re: Investments right now

Aren't people investing in airlines or restaurants right now? I prefer to take risk through allocation rather than by reducing diversification. So if I were feeling greedy, I might buy more VTSAX or VFIAX in lieu of my bond funds rather than taking a concentrated position. I also try to avoid actin...
by Doctor Rhythm
Tue May 19, 2020 6:20 pm
Forum: Personal Consumer Issues
Topic: Engagement Ring Help
Replies: 85
Views: 4607

Re: Engagement Ring Help

1) Buy online or in person? 2) I'm quite frugal, but willing to spend a good chunk here. Should I go over 'budget' a bit to consider the long-term ownership aspect of this purchase? Meaning to ensure she feels good about the ring even in 20 years. By 'budget' I more so mean what I'd like to spend r...
by Doctor Rhythm
Sun May 17, 2020 3:12 pm
Forum: Personal Investments
Topic: Borderline personality disorder and investing
Replies: 16
Views: 1942

Re: Borderline personality disorder and investing

Basically I have two questions. 1. What tips and tricks do you guys have that could help me save money in the long run. Tricks that would work for someone who is so impulsive and is constantly moving between two states of mind. 2. Should I save and invest or just work on paying down my student loan...
by Doctor Rhythm
Sun May 17, 2020 2:56 pm
Forum: Personal Investments
Topic: How to automate deductions from paycheck for investments while maintaining balanced portfolio?
Replies: 20
Views: 1092

Re: How to automate deductions from paycheck for investments while maintaining balanced portfolio?

However, you do seem to have a fair amount of "old" tax-advantaged space in the form of your previous employers' plans. So one option is rebalance your total portfolio by changing the allocations in the rollover IRA and old 401k while avoiding taxable transactions in your taxable account. Yeah this...
by Doctor Rhythm
Sun May 17, 2020 2:38 pm
Forum: Personal Investments
Topic: How to automate deductions from paycheck for investments while maintaining balanced portfolio?
Replies: 20
Views: 1092

Re: How to automate deductions from paycheck for investments while maintaining balanced portfolio?

No 401K plan offered at current employer. --- 2. When folks deduct from their paycheck for investing, do you mirror your asset allocation plan (e.g. X% to domestic, Y% to intl, Z% to bonds) or just dump it all into say, domestic and then re-balance later? If the automatic deductions from your paych...
by Doctor Rhythm
Sun May 17, 2020 2:03 pm
Forum: Personal Investments
Topic: Should a regular investor pump in more money on ETF during this time?
Replies: 14
Views: 978

Re: Should a regular investor pump in more money on ETF during this time?

I think it really depends on your current financial security. If there is risk of job loss, reduced income, or a major unplanned expense, then banking more of your uninvested assets/income would be a reasonable decision. Otherwise, try to put your money to work by investing as much as possible in yo...
by Doctor Rhythm
Sun May 17, 2020 1:18 pm
Forum: Personal Investments
Topic: Stock Screen
Replies: 21
Views: 1033

Re: Stock Screen

What you're (sort of) describing above are small cap value stocks, and yes, that segment has performed poorly in recent years. At other times, it has done well. However, do you really believe with any conviction that you can pick specific small value stocks that will outperform an SCV index fund? M...
by Doctor Rhythm
Sun May 17, 2020 12:49 am
Forum: Personal Investments
Topic: Stock Screen
Replies: 21
Views: 1033

Re: Stock Screen

I looked at a few companies that met this criteria back in 2015 and they have all been flops. --Price-to-book-value ratio ranks in the bottom quartile (25%) of the stock universe; --Price-earnings ratio ranks in the bottom quartile (25%) of the stock universe; --Long-term-debt-to-equity ratio is le...
by Doctor Rhythm
Sat May 16, 2020 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Fraudulent charges... Getting really tired of the number of times this happens and resulting hassle.
Replies: 70
Views: 6261

Re: Fraudulent charges... Getting really tired of the number of times this happens and resulting hassle.

Seems like a few (1-3 times/yr) some fraud department contacts me about suspicious activity on a debit/credit card That does seem like an awful lot - it's probably more like 1-3 per decade for us with two credit cards in constant use and 2-3 others used infrequently. We're probably on the other ext...
by Doctor Rhythm
Fri May 15, 2020 6:00 pm
Forum: Personal Investments
Topic: Investment advisor
Replies: 6
Views: 477

Re: Investment advisor

I’m 59 years old and always handled my investments. However I am at the point where I need more guidance.... My net worth meets the threshold to engage a personal investment advisor. I'll echo the suggestion to ask this forum for advice before paying someone else for (which you can always do afterw...
by Doctor Rhythm
Thu May 14, 2020 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Email from Vanguard [for a Retail Investor Group consultation]
Replies: 33
Views: 3470

Re: Email from Vanguard

Are you going to talk to him? Probably. He wants me to call and suggest a good time to talk and if I don't he will contact me. I may wait to see if he makes the effort. Somehow I suspect this will be a pitch for PAS which I have not participated in. Assuming you weren't already searching for profes...
by Doctor Rhythm
Thu May 14, 2020 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Mystery bill from dentist
Replies: 47
Views: 3274

Re: Mystery bill from dentist

General guideline: Don't attribute to malfeasance or malice what can easily be explained by incompetence.
by Doctor Rhythm
Tue May 12, 2020 3:18 pm
Forum: Personal Investments
Topic: seek advice on investment or maintain value
Replies: 5
Views: 491

Re: seek advice on investment or maintain value

The 2-8 hour per week time is what I can commit to the investigation of the stock/etf/market that I will invest my money to. If I want to risk my money and try to make more instead of losing it, I feel I need to become confident in the stock/etf that I determined to spend my money on. I'm inferring...
by Doctor Rhythm
Tue May 12, 2020 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Check Endorsement Problem-Question
Replies: 20
Views: 1347

Re: Check Endorsement Problem-Question

Why do you endorse the check “for deposit only? How can anyone else possibly negotiate the check Oddly enough, it's what some banks tell you to do. Capital One doesn't specify this, but my national brick & mortar bank specifically says to endorse it as " For mobile deposit only. " Wells Fargo state...
by Doctor Rhythm
Mon May 11, 2020 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Check Endorsement Problem-Question
Replies: 20
Views: 1347

Re: Check Endorsement Problem-Question

Gill wrote:
Mon May 11, 2020 7:06 pm
Why do you endorse the check “for deposit only? How can anyone else possibly negotiate the check
Oddly enough, it's what some banks tell you to do. Capital One doesn't specify this, but my national brick & mortar bank specifically says to endorse it as "For mobile deposit only."
by Doctor Rhythm
Mon May 11, 2020 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: What age do you use for retirement end date?
Replies: 68
Views: 4286

Re: What age do you use for retirement end date?

I mainly came here to say "Ending Retirement" is a great euphemism.
by Doctor Rhythm
Mon May 11, 2020 5:55 pm
Forum: Personal Investments
Topic: Views on Oakmark International
Replies: 14
Views: 1004

Re: Views on Oakmark International

My thought process is to dollar-cost-average out of OAKIX. The reason behind not doing lump-sum change would be that it is down more than 30% YTD (so there's a chance that a lot of weakness is baked in). The fund has close to $20B in AUM and the manager looks solid - all things considered :D It sou...
by Doctor Rhythm
Mon May 11, 2020 3:17 am
Forum: Personal Investments
Topic: seek advice on investment or maintain value
Replies: 5
Views: 491

Re: seek advice on investment or maintain value

Current investment plan: All after next market crash if there is one. - $35k cash: 50% on index ETF (SPY o.e.q.) , 25% on 1-2 under-valued stock, 25% on growth industry ETF. -$120k 401k: 50% on index ETF (SPY o.e.q. vanguard fund), 25% on large cap growth ETF, 25% on bond or keep in MM. Current rul...
by Doctor Rhythm
Sun May 10, 2020 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Unhappy with job (MD) - need perspective
Replies: 27
Views: 4418

Re: Unhappy with job (MD) - need perspecitve

I'm well out of training and work in the US, so my perspective may not be relevant to you - especially if you're from France ( https://www.medscape.com/slideshow/2019-international-compensation-report-6011814 ). It sounds like you're looking for either a pep talk or someone to commiserate with, rath...
by Doctor Rhythm
Sun May 10, 2020 5:48 pm
Forum: Personal Investments
Topic: Financial strength of Lutheran Church Extension Fund
Replies: 10
Views: 876

Re: Financial strength of Lutheran Church Extension Fund

I think it comes down to how much you're willing to compromise your usual standards when investing in order to support a social cause. It wasn't clear whether this note is a bond or something like a CD. This site https://lcef.org/investment-rates/ lists 2 or 4 year term notes at 3% APR with an early...
by Doctor Rhythm
Sat Sep 01, 2018 2:59 am
Forum: Personal Investments
Topic: Starting at 62
Replies: 4
Views: 1089

Re: Starting at 62

The gift limit for 2018 is $15,000 - meaning you can give that much without (you) having to pay a gift tax. If you’re married, your spouse can also give $15,000 to your mother without incurring additional taxes.
by Doctor Rhythm
Sat Sep 01, 2018 2:14 am
Forum: Personal Investments
Topic: Fidelity's ER NOT zero?
Replies: 20
Views: 2536

Re: Fidelity's ER NOT zero?

If they perform better then equivalent funds tracking the same index... the proof will be in the pudding. Unfortunately, the Fidelity Zero funds are benchmarked against Fidelity's proprietary indices. The closest we can come will probably be comparing them to other total market funds such as FSTVX ...
by Doctor Rhythm
Tue Aug 14, 2018 3:59 pm
Forum: Personal Investments
Topic: Asked my advisor about fees and here's their reply
Replies: 60
Views: 9679

Re: Asked my advisor about fees and here's their reply

So.....any thoughts on how this compares to other financial planning companies? Did I just get absolutely fleeced for the last decade? If I move to Vanguard I'm looking at dropping from 1.45% to below .3% right? I'm super uneducated financially but if I'm doing it right the 350K I have with them ha...
by Doctor Rhythm
Sun Aug 12, 2018 11:51 pm
Forum: Personal Investments
Topic: Shiller Barclays CAPE® US Sector Risk Controlled 10% USD Total Return Index
Replies: 5
Views: 1748

Re: Shiller Barclays CAPE® US Sector Risk Controlled 10% USD Total Return Index

Anyone have any ideas on how to replicate since the product doesn't exist? Short answer is: No. Longer answer is: No, and therefore I'm not sure this thread belongs on this board since it's non-actionable and hypothetical. ...the drawdown in 2008 was so small. Even longer answer is: There was no dr...
by Doctor Rhythm
Sun Aug 12, 2018 11:31 pm
Forum: Personal Consumer Issues
Topic: Maui Hawaii Trip - How to save money?
Replies: 52
Views: 5874

Re: Maui Hawaii Trip - How to save money?

Good advice regarding food. If you can find a rental on Turo and cancel your rental car you can save money. Our Turo was 1/3 of the price of the national chains and we knew exactly which car we were getting. Definitely check around for car rental prices. We've always found Costco to be the best rat...
by Doctor Rhythm
Sun Aug 12, 2018 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Advisor Mandatory?
Replies: 36
Views: 3852

Re: Financial Advisor Mandatory?

Keep in mind that anyone and their cat ( https://www.forbes.com/sites/frederickallen/2013/01/15/cat-beats-professionals-at-stock-picking/#3f9e4827621a ) can call themselves a financial advisor. Unless your financial situation is very unusual (you didn't provide details, but what you've stated seems ...
by Doctor Rhythm
Sun Aug 12, 2018 12:41 pm
Forum: Personal Investments
Topic: Portfolio checkup and the best place for my next dollar [young resident doctor]
Replies: 10
Views: 763

Re: Portfolio checkup and the best place for my next dollar [young resident doctor]

UC attending and former UC resident here. You are doing quite well, having saved 100K before completing residency (based on your age, I assume you more or less went "straight through" without much prior work history). You also don't mention any educational debts, which also puts you at an advantage ...
by Doctor Rhythm
Fri Aug 10, 2018 11:33 pm
Forum: Personal Finance (Not Investing)
Topic: 1024.99 for a book. Why?
Replies: 21
Views: 3573

Re: 1024.99 for a book. Why?

Vol wrote:
Thu Aug 09, 2018 8:21 pm
But there are always these books in that list that say like $1024.99
Because it's psychologically easier to accept than buying at $1025 even.
by Doctor Rhythm
Fri Aug 10, 2018 3:11 pm
Forum: Personal Investments
Topic: Help with retirement asset allocation for a newbie!
Replies: 3
Views: 537

Re: Help with retirement asset allocation for a newbie!

Welcome to the forum... You've got time on your side, and you are saving at an above average rate (20% of gross salary per year) - plus you have a relatively high income. That's all great. Whether your current retirement assets of $89000 is on track or not is more difficult to judge, especially at y...
by Doctor Rhythm
Thu Aug 09, 2018 4:29 pm
Forum: Personal Investments
Topic: Lazy Investment Porfolio Help
Replies: 17
Views: 2078

Re: Lazy Investment Porfolio Help

Hello, thank you for the response. I don't know much about Roth IRA's. Does it matter which broker I open the Roth IRA with? I currently have a 401K with fidelity, so I would prefer to go through the same broker if there's no real difference. How much should I contribute to a Roth IRA? When you ask...
by Doctor Rhythm
Wed Aug 08, 2018 6:55 pm
Forum: Personal Investments
Topic: University of California Retirement Plan Proprietary Funds
Replies: 21
Views: 3273

Re: University of California Retirement Plan Proprietary Funds

yeah, I agree the difference between FSTVX, FZROX, and UC DOM Index is not worth losing sleep over. I currently hold FSTVX. It is just sort of out of principle that I would opt for FZROX. Your point abut UC international equity is perhaps more important. I own FTIPX. If you decide to include EM exp...
by Doctor Rhythm
Wed Aug 08, 2018 3:53 pm
Forum: Personal Investments
Topic: Seeking Words of Wisdom
Replies: 4
Views: 623

Re: Seeking Words of Wisdom

What interest rate are you getting out of the money market fund, compared to (say) a 5 year CD ladder?
by Doctor Rhythm
Wed Aug 08, 2018 3:29 pm
Forum: Personal Investments
Topic: University of California Retirement Plan Proprietary Funds
Replies: 21
Views: 3273

Re: University of California Retirement Plan Proprietary Funds

Perhaps this is worth a new thread, but I wanted to share that this week I attempted to purchase FZROX and FZILX through brokeragelink in my UCRP accounts, but Fidelity is not allowing them to be purchased any any of my three brokeragelink accounts (403b, 457b, or DCP). I contacted the UCRP office ...
by Doctor Rhythm
Wed Aug 08, 2018 3:14 pm
Forum: Personal Consumer Issues
Topic: Deciphering fake reviews online
Replies: 6
Views: 941

Re: Deciphering fake reviews online

Tried it on two new products I just ordered. One with just 3 reviews failed (went from 4.7 to 4.6 probably because of the titles but I still thought the information provided was good. Another one with 10,000 reviews was just fine. I'm more skeptical of this one but both products are being delivered...
by Doctor Rhythm
Wed Aug 08, 2018 1:12 pm
Forum: Personal Consumer Issues
Topic: Deciphering fake reviews online
Replies: 6
Views: 941

Re: Deciphering fake reviews online

I often use a similar site fakespot.com to assess Amazon reviews. It assigns a letter grade depending on the % of reviews that appear dubious, and then recalculates the "star rating" after censoring data from unreliable reviews. While I might be able to spot some fake reviews on my own based on the ...