Search found 12 matches

by appleshampooid
Wed Aug 15, 2018 10:38 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1247
Views: 111245

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

rudeboy wrote:
Tue Aug 14, 2018 9:41 pm
If you aren't unhappy with part of your portfolio, you aren't diversified enough.
This is a great quote. Thank you. Going to use it for my sig. :sharebeer
by appleshampooid
Fri Aug 10, 2018 2:49 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Switch to Brokerage Accounts
Replies: 60
Views: 9575

Re: Vanguard Switch to Brokerage Accounts

1. First I noticed that my dividends were no longer re-invested in my designated fund. I used to have my stock fund dividends reinvested in a short term bond account, but after the change the dividends went to the settlement account, Prime Money Market--and I had to go online to re-transfer them to...
by appleshampooid
Tue Aug 07, 2018 11:48 am
Forum: Investing - Theory, News & General
Topic: "Age in Bonds" fails almost everyone
Replies: 217
Views: 16600

Re: "Age in Bonds" fails almost everyone

I set out to devise an approach that was significantly more accurate without being significantly hard to remember. Eventually I settled on the following: Age 40 and under, hold 10% in fixed income Age 45 to 60, hold "age minus 18" in fixed income Age 65 and over, hold 65% in fixed income How about:...
by appleshampooid
Tue Aug 07, 2018 11:36 am
Forum: Investing - Theory, News & General
Topic: A different approach to asset allocation
Replies: 1447
Views: 647051

Re: A different approach to asset allocation

Net worth: $1.2mn, not counting wife's assets Equity exposure: $0 Children: 2 I just read over this thread start to finish over the past few days. If anything, the most recent update is depressing me. I am roughly the same age as the OP (finished undergrad in 2006 so I think a couple years younger)...
by appleshampooid
Wed Aug 01, 2018 12:21 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 807
Views: 87001

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

Do you think Vanguard will respond? Is it even possible for Vanguard to offer zero ER? I do not think it is possible for Vanguard to play this game as their funds are offered at cost. The primary cost by far for Vanguard funds is classified as "Management and Administrative" costs. These management...
by appleshampooid
Sun Jul 15, 2018 4:44 pm
Forum: Personal Investments
Topic: Roth IRA basis
Replies: 33
Views: 14441

Re: Roth IRA basis

A fee should reduce Box 1, but not Box 5 as it would not reduce or change the amount you contributed. If the plan did reduce Box 5 as well as 1 which cannot be proven without a distribution statement, that would explain the higher amount on the W-2, Box 12. Yeah I think they made a mistake. Will se...
by appleshampooid
Sun Jul 15, 2018 4:11 pm
Forum: Personal Investments
Topic: Roth IRA basis
Replies: 33
Views: 14441

Re: Roth IRA basis

Is it possible the difference was an administrative free charged by the custodian prior to the rollover? Ooh, I think you're right! I remember being pissed at Putnam because there was a $75 fee to close the account and roll it over. Criminal! The ~$50 would make sense as there were also pre-tax con...
by appleshampooid
Sun Jul 15, 2018 11:57 am
Forum: Personal Investments
Topic: Roth IRA basis
Replies: 33
Views: 14441

Re: Roth IRA basis

Yes, these two boxes should be the same. I assume that neither of these forms was corrected later, for example due to an excess contribution. Check Box 1 of the 1099R. If that figure is the same as Box 5, then the likely error is that the 1099R issuer did not know that Box 5 will exceed Box 1 if th...
by appleshampooid
Sun Jul 15, 2018 10:29 am
Forum: Personal Investments
Topic: Roth IRA basis
Replies: 33
Views: 14441

Re: Roth IRA basis

I was incorrect about Box 5 for direct rollovers from a Roth 401k to a Roth IRA. The 1099R Inst. are a mess, as they do not mention Box 5 in the section for reporting direct rollovers from designated Roth accounts. However, since posting that I noticed that a few pages later in the 1099R Inst. unde...
by appleshampooid
Tue Feb 13, 2018 8:28 am
Forum: Personal Investments
Topic: Portfolio Overhaul
Replies: 4
Views: 489

Re: Portfolio Overhaul

You might try doing another post in this suggested format(more or less) to get better responses. https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 If you also give the fund names and not just their ticker symbols that will help get better responses too. Thanks for the advice, holy cow this ...
by appleshampooid
Mon Feb 12, 2018 4:45 pm
Forum: Personal Investments
Topic: Portfolio Overhaul
Replies: 4
Views: 489

Re: Portfolio Overhaul

Thanks for the advice, I will reconsider some international exposure.

Also, my apologies for not reading the pinned posts in this forum regarding portfolio questions. I'll come back and add some of those point later where relevant.
by appleshampooid
Mon Feb 12, 2018 3:34 pm
Forum: Personal Investments
Topic: Portfolio Overhaul
Replies: 4
Views: 489

Portfolio Overhaul

Hi Bogleheads, First time poster, have read here and there and general believer in the Bogle philosophy. I am doing a portfolio overhaul for my wife and I. The good news is that we're in a pretty good position (IMO) and have generally invested in low-cost index funds over the years. But several year...