Search found 55 matches

by mpnret
Sun Nov 18, 2018 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: How exactly does Vanguard's RMD service work? Rebalancing?
Replies: 70
Views: 10275

Re: How exactly does Vanguard's RMD service work? Rebalancing?

Would anyone want to consider taking their RMD late in the year if the market tanks during the year ? This scenario would allow you to decide to take your RMD from the Bond side of the portfolio as opposed to the equity side. I start RMD's next year and that is my plan. I just signed up on Vanguard...
by mpnret
Wed Oct 10, 2018 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: anybody sell I Bonds to buy something else?
Replies: 38
Views: 3603

Re: anybody sell I Bonds to buy something else?

My I bonds have been paying close to 6% for over 20 years now. When they start maturing soon and I have to cash in I will most likely buy more. With today's purchase limits I will get nowhere near what I have now (high 6 figures). May add some treasuries or whatever.
by mpnret
Wed Oct 10, 2018 8:56 am
Forum: Investing - Theory, News & General
Topic: Vanguard website problems [Transactions won't go through, 500 error...]
Replies: 101
Views: 4850

Re: Vanguard website today

9:55am: Main page not displaying correctly. Also getting internal server error and information not available when clicking on some of the links.
by mpnret
Fri Oct 05, 2018 6:01 pm
Forum: Investing - Help with Personal Investments
Topic: Whew! Stock market is no longer at all-time highs, so ...
Replies: 34
Views: 5459

Re: Whew! Stock market is no longer at all-time highs, so ...

triceratop wrote:
Fri Oct 05, 2018 4:29 pm
Great news. Now people will ask if stocks and bonds even make sense at this time, when both are declining. Should I invest only in T-bills? But even they can decrease in value. Bank deposits for me.
Close to 1 mil in I bonds. Never went down and never went to a bank.
by mpnret
Sun Sep 30, 2018 5:16 pm
Forum: Investing - Help with Personal Investments
Topic: Can I Hold Off "Upgrading" to Vanguard Brokerage until 2019?
Replies: 45
Views: 4705

Re: Can I Hold Off "Upgrading" to Vanguard Brokerage until 2019?

Yes, though what has been communicated is that all accounts will eventually become brokerage accounts. I think those that think they can hold out forever are kidding themselves. You are 100% incorrect. Look at the % of stocks in the financial services sector of your index funds. Many employees in t...
by mpnret
Sat Sep 29, 2018 11:06 am
Forum: Investing - Help with Personal Investments
Topic: Computershare Transfer Question
Replies: 24
Views: 2939

Re: Computershare Transfer Question

While the OP has already finished their transfer, for the benefit of others who will come across this thread in the future, this past summer, I transferred my T stock to Vanguard. I called Vanguard on the phone regarding medallion signatures, because I couldn't find a local bank that could do them....
by mpnret
Tue Sep 25, 2018 10:00 am
Forum: Investing - Help with Personal Investments
Topic: VSUXX vs VMMXX vs VMFXX vs Money Market (FDIC insured)
Replies: 23
Views: 4120

Re: VSUXX vs VMMXX vs VMFXX vs Money Market (FDIC insured)

The answer probably depends on the tax rate of the state you live in. - VSUXX , being a treasury fund, is only taxable at the federal level. - VMMXX is taxable at both federal and state levels. - VMFXX is more complicated, but in general is partially taxable at only the federal level, and partially...
by mpnret
Sun Sep 23, 2018 9:46 am
Forum: Investing - Help with Personal Investments
Topic: Ally Savings vs Vanguard Prime Money Market Fund - Need Advice
Replies: 77
Views: 10462

Re: Ally Savings vs Vanguard Prime Money Market Fund - Need Advice

fortfun wrote:
Sat Sep 22, 2018 9:41 pm
jeff1949 wrote:
Sat Sep 22, 2018 10:36 am
SeekingAPlan wrote:
Fri Sep 21, 2018 5:49 pm
Have you considered the Ally No Penalty 11 Month CD? It is currently paying 2.1%.
^THIS^ is what I do. Seems a no-brainer to me.
Me too.
Synchrony Bank has a 13 month CD at 2.65% APY.
by mpnret
Wed Sep 12, 2018 10:56 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity, Schwab, or Vanguard
Replies: 61
Views: 4299

Re: Fidelity, Schwab, or Vanguard

I recently did this same evaluation for my own portfolio plus my wifes. I like the fact that Schwab has a local office I could go to if necessary. Other than that I felt Schwab was trying to sell me extra cost options too hard. I felt if something ever happend to me they would really ramp this up on...
by mpnret
Wed Sep 12, 2018 10:34 am
Forum: Investing - Help with Personal Investments
Topic: Opinion's: Best time to withdraw RMD's when required to do so.
Replies: 42
Views: 3301

Re: Opinion's: Best time to withdraw RMD's when required to do so.

I do one RMD late in the year with my entire tax due deducted from that. That way your money remains invested tax defered for the year plus you only make the one tax payment (deducted from RMD) at the end of the year. No estimated tax payments throughout the year or tax deducted from other income. W...
by mpnret
Mon Sep 10, 2018 9:48 am
Forum: Investing - Help with Personal Investments
Topic: Anyone using VanguardAdvantage with free checking, Visa Gold Debit/ATM, electronic bill pay, direct deposit, plus more?
Replies: 38
Views: 4845

Re: Anyone using VanguardAdvantage with free checking, Visa Gold Debit/ATM, electronic bill pay, direct deposit, plus mo

I viewed the Vanguard brochure for the Advantage account and it has a lot of useful features (in subject). I did try a search on the forum and didn't come up with much other some old posts. Anyone using it and care to comment? It looks like Vanguard stopped marketing this account. If I go to Vangua...
by mpnret
Sun Sep 09, 2018 10:30 am
Forum: Investing - Help with Personal Investments
Topic: Move Individual Stock Portfolio to Vanguard
Replies: 5
Views: 707

Re: Move Individual Stock Portfolio to Vanguard

Thanks. Thats certainly great news. I do have a follow up question. Will all the transaction history, dividend reinvestment, and cost basis transfer over. With Computershare I can select any one of my stocks and see the complete transaction history all the way back to purchase. That list can be expo...
by mpnret
Fri Sep 07, 2018 9:04 am
Forum: Investing - Help with Personal Investments
Topic: Move Individual Stock Portfolio to Vanguard
Replies: 5
Views: 707

Move Individual Stock Portfolio to Vanguard

I have most of my investments with Vanguard except for Ibonds, local bank stuff, internet bank stuff and a fairly large portfolio of individual stocks with Computershare. I decided to keep the stocks rather than sell and pay the capital gains. Time to sell would be when my wife gets the step up or l...
by mpnret
Tue Sep 04, 2018 9:10 am
Forum: Investing - Help with Personal Investments
Topic: DIY: Three versus One! Are the Advantages Worth it?
Replies: 47
Views: 3876

Re: DIY: Three versus One! Are the Advantages Worth it?

Instead of the life strategy fund I just purchased the funds it holds. I re-balance once a year and the lower expense ratio saves me a few thousand a year. Plus it allows me to fine tune the mix. Others may prefer the convenience of a life strategy and may not mind paying a little more for not havi...
by mpnret
Mon Sep 03, 2018 5:49 pm
Forum: Investing - Help with Personal Investments
Topic: DIY: Three versus One! Are the Advantages Worth it?
Replies: 47
Views: 3876

Re: DIY: Three versus One! Are the Advantages Worth it?

Instead of the life strategy fund I just purchased the funds it holds. I re-balance once a year and the lower expense ratio saves me a few thousand a year. Plus it allows me to fine tune the mix. Others may prefer the convenience of a life strategy and may not mind paying a little more for not havin...
by mpnret
Mon Sep 03, 2018 8:44 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review and Commentary? (Mid-7 figures.)
Replies: 18
Views: 1641

Re: Portfolio Review and Commentary? (Mid-7 figures.)

Just trying to word things as nice as possible.
by mpnret
Mon Sep 03, 2018 8:28 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review and Commentary? (Mid-7 figures.)
Replies: 18
Views: 1641

Re: Portfolio Review and Commentary? (Mid-7 figures.)

No, I haven't looked into "backdoor" Roths. It seems a little complicated, and I thought there was an effort to close that door, but I should at least figure out how they work. Thanks for the suggestion. its not. a few clicks at vanguard and turbotax. lots of tutorials. actually it was just approve...
by mpnret
Sun Sep 02, 2018 10:02 am
Forum: Investing - Help with Personal Investments
Topic: Calculated I-bond Values
Replies: 18
Views: 1567

Re: Calculated I-bond Values

Assuming repeating the entire process works and you are able to see your inventory at TD. Then click on the blue box about center of the page titled "How to save your inventory". This will take you to directions for saving with IE 11.
by mpnret
Sun Sep 02, 2018 9:41 am
Forum: Personal Consumer Issues
Topic: car buying-subaru outback touring good price?
Replies: 18
Views: 951

Re: car buying-subaru outback touring good price?

You need a car site like subaruoutback.org. A site like true car is also good. I trade out my Subarus every few years and 2% below dealer invoice (not sticker) is a good price to shoot for. True car will inform you what the dealer invoice is for the way your car is configured. At subaruoutback.org y...
by mpnret
Sun Sep 02, 2018 9:23 am
Forum: Investing - Help with Personal Investments
Topic: Reducing expense ratios and simplifying... perhaps with a single fund.
Replies: 11
Views: 1089

Re: Reducing expense ratios and simplifying... perhaps with a single fund.

As long as you understand the risks with being 100% equities and are willing to accept them it looks like a good plan. Being the money is long term and you don't really need it plus your dual pensions puts you in a good position to do this. I personally would be more comfortable with a more balanced...
by mpnret
Sun Sep 02, 2018 6:51 am
Forum: Investing - Help with Personal Investments
Topic: Calculated I-bond Values
Replies: 18
Views: 1567

Re: Calculated I-bond Values

Sport, It sounds like you are using the process I outlined in a post above. You first exported a HTML from Savings Bond Wizzard and saved it. So now each time you want to update your inventory you open that HTML and select go to Savings Bond Calculator which opens Treasury Direct and you should see ...
by mpnret
Sat Sep 01, 2018 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: Calculated I-bond Values
Replies: 18
Views: 1567

Re: Calculated I-bond Values

I just tried mine and it is working fine with Windows 7. Back in May I exported to HTML from Savings Bond Wizzard and keep the file in my financial folder. To view I double click the file which opens the file with the inventory values from back in May. Then I click the go to Savings Bond Calculator ...
by mpnret
Fri Aug 31, 2018 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Will I ever sell Ibonds from 2001 - 3% fixed
Replies: 78
Views: 5230

Re: Will I ever sell Ibonds from 2001 - 3% fixed

I have some shares of VTSAX that have an annualized 10% return for the last 10 years. I'd trade in those 3% Ibonds for some VTSAX. Bonds are a terrible long-term investment relative to equities. Trade in those Ibonds and "lock up" some VTSAX shares. :moneybag I guess that's true if your asset alloc...
by mpnret
Fri Aug 31, 2018 4:25 am
Forum: Investing - Help with Personal Investments
Topic: Will I ever sell Ibonds from 2001 - 3% fixed
Replies: 78
Views: 5230

Re: Will I ever sell Ibonds from 2001 - 3% fixed

I have some shares of VTSAX that have an annualized 10% return for the last 10 years. I'd trade in those 3% Ibonds for some VTSAX. Bonds are a terrible long-term investment relative to equities. Trade in those Ibonds and "lock up" some VTSAX shares. :moneybag I guess that's true if your asset alloc...
by mpnret
Sun Aug 26, 2018 10:02 am
Forum: Investing - Help with Personal Investments
Topic: Anyone using VanguardAdvantage with free checking, Visa Gold Debit/ATM, electronic bill pay, direct deposit, plus more?
Replies: 38
Views: 4845

Anyone using VanguardAdvantage with free checking, Visa Gold Debit/ATM, electronic bill pay, direct deposit, plus more?

I viewed the Vanguard brochure for the Advantage account and it has a lot of useful features (in subject). I did try a search on the forum and didn't come up with much other some old posts. Anyone using it and care to comment?
by mpnret
Sun Aug 19, 2018 9:28 am
Forum: Investing - Help with Personal Investments
Topic: Retirees: Timing your withdrawals
Replies: 40
Views: 3840

Re: Retirees: Timing your withdrawals

Once at the end of the year works for me. That way money stays invested tax advantaged for the year. The best part is you can have your entire tax for the year deducted from this end of the year payment so your tax also stays invested for the year. Tax deducted with this method is considered as paye...
by mpnret
Sat Aug 18, 2018 3:47 pm
Forum: Investing - Help with Personal Investments
Topic: Moving from Morgan Stanley- Schwab or Vanguard
Replies: 10
Views: 1223

Re: Moving from Morgan Stanley- Schwab or Vanguard

Per the disclaimer on the Schwab website they make their money from the cash portion of accounts and the expense ratio of the funds which is an average of .17% for Schwab Intelligent Portfolios. Thats over double my expense ratio at Vanguard and I don't have to deal with the cash drag. Here is a rec...
by mpnret
Tue Jul 31, 2018 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review for New Retiree
Replies: 5
Views: 743

Re: Portfolio Review for New Retiree

We will both start RMDs this year which will provide additional low 6 figure income/yr. The RMD does not provide any additional income. There is nothing preventing you from simply reinvesting it. You do not need to spend it. It does COST taxes as IF it were income. Yes I realize that. I was merly s...
by mpnret
Tue Jul 31, 2018 2:30 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review for New Retiree
Replies: 5
Views: 743

Re: Portfolio Review for New Retiree

Thank you both for your responses and suggestions. I noticed you both mentioned getting rid of the individual stocks and both hit on one of the reasons I may not - taxable gains. I fully understand the reasoning of getting rid of these but they do fullfill one of my needs of not having all of my mon...
by mpnret
Tue Jul 31, 2018 7:58 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review for New Retiree
Replies: 5
Views: 743

Portfolio Review for New Retiree

Hi Everyone - I have been lurking here for a while now and have hopefully learned a quite a bit. With this knowledge I have put together a proposed portfolio. Thanks in advance for your time and help. Background Both retired. 2 pensions and 2 social securities provide low 6 figures/yr which we could...
by mpnret
Thu Jul 26, 2018 7:00 am
Forum: Investing - Help with Personal Investments
Topic: Schwab Intelligent Portfolios (2 months in)
Replies: 27
Views: 2783

Re: Schwab Intelligent Portfolios (2 months in)

There is no cash drag in SIP. I've proved this over and over yet the myth continues to be spread. as person who was involved in launch of SIP, please find re-read regulatory fillings for SIP. the 'cash drag' is how you pay for it (as it is how Schwab makes money from these balances), by intent, thi...
by mpnret
Wed Jul 25, 2018 10:29 am
Forum: Investing - Help with Personal Investments
Topic: Schwab Intelligent Portfolios (2 months in)
Replies: 27
Views: 2783

Re: Schwab Intelligent Portfolios (2 months in)

Once I accounted for the cash drag and higher expense ratio in SIP, I found it was actually cheaper to pay for Vanguard Personal Advisory Service.
by mpnret
Thu Jul 19, 2018 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: I'm about to inherit a single stock with a worth of just over 7 figures....
Replies: 103
Views: 9324

Re: I'm about to inherit a single stock with a worth of just over 7 figures....

Sell it and diversify. If you just inherited it you should get a step in cost basis and not have to worry about the tax hit. If that's the case now is the time.
by mpnret
Thu Jun 28, 2018 6:01 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard is really pushing their Personal Adviser Service
Replies: 65
Views: 6672

Re: Vanguard is really pushing their Personal Adviser Service

I don't get PAS at all. Much cheaper to just answer VG's questionnaire (10 questions or so), then just buy the applicable Lifestrategy fund. And if you think your situation has changed.... you guessed it; take the questionnaire again, and switch to the applicable Lifestrategy fund. Everything comes...
by mpnret
Thu Jun 28, 2018 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard is really pushing their Personal Adviser Service
Replies: 65
Views: 6672

Re: Vanguard is really pushing their Personal Adviser Service

I don't get PAS at all. Much cheaper to just answer VG's questionnaire (10 questions or so), then just buy the applicable Lifestrategy fund. And if you think your situation has changed.... you guessed it; take the questionnaire again, and switch to the applicable Lifestrategy fund. Everything comes...
by mpnret
Thu Jun 28, 2018 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard is really pushing their Personal Adviser Service
Replies: 65
Views: 6672

Re: Vanguard is really pushing their Personal Adviser Service

Why not charge a flat fee for Vanguard PAS? As it is now, if you have a $500K portfolio you pay an additional $1,500 over the normal fund fees. If you have a $1 million you pay $3,000--twice as much. Are they really doing twice as much work to manage the larger amount? Is it twice as expensive for ...
by mpnret
Mon Jun 25, 2018 6:31 pm
Forum: Investing - Help with Personal Investments
Topic: So much angst
Replies: 52
Views: 6415

Re: So much angst

I just checked and Schwab SWYEX is holding 2.21% more in cash than the equivalent VG TR 2030 fund. So just for a comparision I assumed I could get 4% more on average over time for that 2.21% if it was invested (YMMV). Then adding that loss to the .08% ER, I come up with .164% equivalent ER. So I'm b...
by mpnret
Mon Jun 25, 2018 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: So much angst
Replies: 52
Views: 6415

Re: So much angst

I noticed Schwab SWYEX is holding more in cash than the equivalent VG TR 2030 fund. Could that possibly be where they are making up for the low expense ratio?
by mpnret
Mon Jun 25, 2018 5:47 am
Forum: Investing - Help with Personal Investments
Topic: So much angst
Replies: 52
Views: 6415

Re: So much angst

The .05% was in reference to the 2030 fund. Here is your exact quote: "The 2025 fund is .08, the 2030 fund (which is a different account, and which is smaller, and which has different fund options) is .05." mpnret, you're confused. The quote you cite came from billthecat (the OP) referring to the f...
by mpnret
Mon Jun 25, 2018 5:13 am
Forum: Investing - Help with Personal Investments
Topic: So much angst
Replies: 52
Views: 6415

Re: So much angst

If you have a vanguard 401k you get the institutional fund which is about .08. So your telling me that if I open up a 401K at Vanguard using 2030 Target Retirement Fund they are only going to charge me .05% ER. Something doesn't sound right. Can you point me to this info at Vanguard? Not the self e...
by mpnret
Sun Jun 24, 2018 6:02 pm
Forum: Investing - Help with Personal Investments
Topic: So much angst
Replies: 52
Views: 6415

Re: So much angst

The 2025 fund is .08, the 2030 fund (which is a different account, and which is smaller, and which has different fund options) is .05. I just calculated the fees the ER translates to, and divided that by the holdings. It might help to specify what funds from what mutual fund company. Unstated the i...
by mpnret
Sun Jun 24, 2018 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: So much angst
Replies: 52
Views: 6415

Re: So much angst

I'm tired of the angst around this. I'm certainly not alone with the angst. There's topic after topic covering, Why include international? Why include bonds? Are CDs a good alternative to bonds? Should I invest or pay down debt? DIY? Robo? But the fees or minimum cash! Target date? Do bonds go in t...
by mpnret
Sun Jun 24, 2018 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: So much angst
Replies: 52
Views: 6415

Re: So much angst

I'm tired of the angst around this. I'm certainly not alone with the angst. There's topic after topic covering, Why include international? Why include bonds? Are CDs a good alternative to bonds? Should I invest or pay down debt? DIY? Robo? But the fees or minimum cash! Target date? Do bonds go in t...
by mpnret
Thu Jun 14, 2018 9:43 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Personal Advisory Services vs. Schwab Intelligent Advisory
Replies: 41
Views: 6087

Re: Vanguard Personal Advisory Services vs. Schwab Intelligent Advisory

I also don't use SIA or Vanguard PAS but did evaluate both awhile back and found Schwab had hidden fees. Maybe I shouldn't call them hidden fees because thay are actually on the Schwab website for those who look. First one was the cash drag. My sample portfolio had a cash amount well into 6 figures ...
by mpnret
Wed Jun 13, 2018 6:14 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Advisor Services
Replies: 45
Views: 3770

Re: Vanguard Advisor Services

Vanguard PAS needs to put a reasonable cap on what they charge. Schwab Advisory charges .28% but also puts a $900. per quarter cap on what you pay. That way larger acccount balances, which require the same resources as smaller ones, don't pay a ridiculous fee. I would really like to try Vanguard PAS...
by mpnret
Mon Jun 11, 2018 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: Moving Employer 401K to Vanguard- Questions on RMD Strategy
Replies: 6
Views: 517

Re: Moving Employer 401K to Vanguard- Questions on RMD Strategy

Thanks everyone for all the responses. Every bit of it was useful to me. I do realize that I must provide more info for best recomendations and will soon. Right now I am just asking some basic questions so I can come up with a potential portfolio and post it up for portfolio review with all my info....
by mpnret
Sun Jun 10, 2018 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: How do I unwind this Wealthfront mess?
Replies: 75
Views: 11221

Re: How do I unwind this Wealthfront mess?

(2) Vanguard has a great Portfolio Analyzer built in, so you know where you stand in your asset allocation, no matter how messy your portfolio looks with an amalgamation of individual stocks, individual bonds, ETFs, mutual funds, etc. It's a critical tool to use on a regular basis. Having a hundred...
by mpnret
Sun Jun 10, 2018 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: Moving Employer 401K to Vanguard- Questions on RMD Strategy
Replies: 6
Views: 517

Moving Employer 401K to Vanguard- Questions on RMD Strategy

I will soon be moving a mid 7 figure 401K from my employer to Vanguard and will also be starting RMD's. My first inclination was to set up a 3 fund portfolio and manage which fund my RMD's were coming from so I never sell at a loss to satisfy my RMD. I read an article which tested 6 different strate...
by mpnret
Thu May 24, 2018 10:35 am
Forum: Investing - Help with Personal Investments
Topic: Schwab Intelligent Advisory
Replies: 23
Views: 3272

Re: Schwab Intelligent Advisory

You may also want to take note that Schwab Intelligent Portfolios which are used by Schwab Intelligent Advisory have a higher expense ratio than Betterment, Wealthfront and Vanguard. This is actually shown on the Schwab website. The free SIP becomes very expensive when you look at the hidden fees. T...
by mpnret
Tue May 22, 2018 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab Intelligent Portfolio
Replies: 18
Views: 2162

Re: Schwab Intelligent Portfolio

You can withdraw cash reserve amounts. What would happen next is the account automatically re-balances to present the cash cushion. The algorithm sells of assets until the percentage reserve is reached. Schwab sells this process as a benefit because in theory the cash can be used as an emergency fu...