Search found 56 matches

by Investor1319
Sat Jan 30, 2021 6:06 pm
Forum: Investing - Theory, News & General
Topic: What is your age and asset allocation ?
Replies: 480
Views: 40305

What is Your Age and Asset Allocation?

[merged this topic and its replies into the existing thread - moderator prudent] Hi, Overall Portfolio: My H and I are both 53 years old. He is only earner and is owner of a small company. 80% stock (60% VTSAX, 20% VTIAX) 20% bonds in VBTLX Investing 40% of each paycheck plus maxing out both of our...
by Investor1319
Sat Jan 16, 2021 5:29 pm
Forum: Personal Investments
Topic: Tax Loss Harvesting & Fund Selection
Replies: 17
Views: 1425

Re: Tax Loss Harvesting & Fund Selection

My main answer is that you should read over the BH "wash sale" wiki article and this set of Wash sale articles from fairmark.com . 1. When tax loss harvesting, is the possible result that you want to avoid a wash sale? This sentence is a little mangled so I'm not sure what you're trying t...
by Investor1319
Sat Jan 16, 2021 1:33 pm
Forum: Personal Investments
Topic: Tax Loss Harvesting & Fund Selection
Replies: 17
Views: 1425

Re: Tax Loss Harvesting & Fund Selection

I think I am on the verge of understanding wash sales and tax loss harvesting. I just have a few questions to make sure I am on the right track (bear with me please...some of my questions are very basic, I know). 1. When tax loss harvesting, is the possible result that you want to avoid a wash sale...
by Investor1319
Fri Jan 15, 2021 11:14 pm
Forum: Personal Investments
Topic: Tesla Stock. Need Help? Update
Replies: 59
Views: 5552

Re: Tesla Stock. Need Help? Update

Congratulations on such great gains!! I would take the money out and run...at least 90% of it!! Selling and having to deal with missing out if the stock goes up is much better to live with than "how could I have lost all that money"!!!
by Investor1319
Fri Jan 15, 2021 10:57 pm
Forum: Personal Investments
Topic: Tax Loss Harvesting & Fund Selection
Replies: 17
Views: 1425

Re: Tax Loss Harvesting & Fund Selection

I think I am on the verge of understanding wash sales and tax loss harvesting. I just have a few questions to make sure I am on the right track (bear with me please...some of my questions are very basic, I know). 1. When tax loss harvesting, is the possible result that you want to avoid a wash sale?...
by Investor1319
Fri Jan 15, 2021 6:03 pm
Forum: Personal Investments
Topic: Tax Loss Harvesting & Fund Selection
Replies: 17
Views: 1425

Re: Tax Loss Harvesting & Fund Selection

If you hold an index fund (VTSAX) in a tax advantaged account and then it's ETF (VTI) in taxable account are these too similar (re: wash sale/tax loss harvesting)?
by Investor1319
Thu Jan 14, 2021 8:49 pm
Forum: Personal Investments
Topic: Tax Loss Harvesting and Other Basic Questions
Replies: 10
Views: 519

Re: Tax Loss Harvesting and Other Basic Questions

Assuming that all these are in Vanguard brokerage account, 1. You do want to hold VTSAX in taxable, as that's the most tax-efficient mutual fund there is. Vanguard has a patent to cancel out the capital gains distributions using its ETF class (Bloomberg ran a story on this in June 2019, google 'van...
by Investor1319
Thu Jan 14, 2021 6:13 pm
Forum: Personal Investments
Topic: Tax Loss Harvesting and Other Basic Questions
Replies: 10
Views: 519

Tax Loss Harvesting and Other Basic Questions

I have a few quick questions that I can't seem to find the answers to and am hoping you can help me because I'm feeling very overwhelmed!! I am definitely a beginner!! (1) So far, I have VTSAX in my IRA and VTSAX in a taxable account. I don't really understand if and when tax loss harvesting takes e...
by Investor1319
Tue Jan 12, 2021 8:50 pm
Forum: Personal Investments
Topic: Two Fund Portfolio - VTSAX and VTIAX
Replies: 1
Views: 515

Two Fund Portfolio - VTSAX and VTIAX

I'm sure this question has been asked before, but I can't seem to find the answer. Until now, I've held VTSAX in my IRA and in a taxable account and have no other investments other than this. I now have the savings to expand to a two fund portfolio and was thinking of investing in VTIAX in a taxable...
by Investor1319
Tue Jan 12, 2021 5:54 pm
Forum: Personal Investments
Topic: EFA and EEM vs. VTIAX
Replies: 9
Views: 678

EFA and EEM vs. VTIAX

How do EFA and EEM compare to VTIAX other than the fact that they're ETFs?
by Investor1319
Tue Dec 08, 2020 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10047
Views: 708826

Re: Refinance Mega Thread

As I previously mentioned, we just refinanced with Better.com. Here are the details: 2.625% $495K loan 20 year fixed LTV 65% Property value approx. $775K No fees State of NJ We just asked Better.com about refinancing again (even though December was our first month paying mortgage at our new 2.625% ...
by Investor1319
Mon Dec 07, 2020 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10047
Views: 708826

Re: Refinance Mega Thread

As I previously mentioned, we just refinanced with Better.com. Here are the details: 2.625% $495K loan 20 year fixed LTV 65% Property value approx. $775K No fees We just asked Better.com about refinancing again (even though December was our first month paying mortgage at our new 2.625% rate). Bette...
by Investor1319
Mon Dec 07, 2020 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10047
Views: 708826

Re: Refinance Mega Thread

As I previously mentioned, we just refinanced with Better.com. Here are the details: 2.625% $495K loan 20 year fixed LTV 65% Property value approx. $775K No fees We just asked Better.com about refinancing again (even though December was our first month paying mortgage at our new 2.625% rate). Better...
by Investor1319
Mon Dec 07, 2020 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10047
Views: 708826

Re: Refinance Mega Thread

Xrayman69 wrote: Sat Dec 05, 2020 1:44 pm
Investor1319 wrote: Fri Dec 04, 2020 6:38 pm Just wondering if anyone knows of any promotions going on now. Because of this message board, I did my first refi with Better and got the $2,500.00 AmEx promotion!! Thanks so much!!
Does “Better” = better.com?
Sorry, just seeing this now. Yes, "Better" = better.com
by Investor1319
Sat Dec 05, 2020 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10047
Views: 708826

Re: Refinance Mega Thread

Just wondering if anyone knows of any promotions going on now. Because of this message board, I did my first refi with Better and got the $2,500.00 AmEx promotion!! Thanks so much!! Is Amex offer still available with Better?How to redeem? I'm not sure if Better.com is still offering the $2,500.00 A...
by Investor1319
Fri Dec 04, 2020 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10047
Views: 708826

Re: Refinance Mega Thread

Just wondering if anyone knows of any promotions going on now. Because of this message board, I did my first refi with Better and got the $2,500.00 AmEx promotion!! Thanks so much!!
by Investor1319
Fri Dec 04, 2020 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10047
Views: 708826

Re: Refinance Mega Thread

Just an update as I signed closing docs today on my second refi with Better. Did back-to-back refi similar to @BrandonBogle based upon lender credits and rates continually dropping. Ended up making $4,500 total. Refi #1---- 10/10: Application 10/13: Rate Lock 10/30: Closing 11/4: Loan Funding Date ...
by Investor1319
Thu Dec 03, 2020 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10047
Views: 708826

Re: Refinance Mega Thread

Just locked a no-cost refi with Better: 15-year, 2.125%, D+E+Credits =>$-1200 (I get paid $1200 to close) No loan orig fee, loan appraisal waived. Had compared with: LoanDepot, Lenderfi, Watermark, and a few more. Glad Better was flexible on rates - their web interface is great and and responsivene...
by Investor1319
Thu Dec 03, 2020 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10047
Views: 708826

Re: Refinance Mega Thread

Just locked a no-cost refi with Better: 15-year, 2.125%, D+E+Credits =>$-1200 (I get paid $1200 to close) No loan orig fee, loan appraisal waived. Had compared with: LoanDepot, Lenderfi, Watermark, and a few more. Glad Better was flexible on rates - their web interface is great and and responsivene...
by Investor1319
Mon Oct 05, 2020 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10047
Views: 708826

Re: Refinance Mega Thread

I've been working on my refinance in NJ for awhile and we're getting close to having it go through. I just wanted to make sure the rate I got back in July is still competitive.

2.625%
20 year fixed
No closing costs
$2,500 AmEx Credit
State- NJ

Thanks!
by Investor1319
Wed Jul 22, 2020 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10047
Views: 708826

Re: Refinance Mega Thread

Just got an offer from Better that beat LenderFi by $100 plus the $2,500.00 AmEx credit. 2.625% No closing costs 20 year fixed $2,500.00 AmEx credit. Just opening a card now and they said we would still get the AmEx credit. State - NJ Does this sound good? Is Better reputable? Thanks! So, who pays ...
by Investor1319
Wed Jul 22, 2020 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10047
Views: 708826

Re: Refinance Mega Thread

Just got an offer from Better that beat LenderFi by $100 plus the $2,500.00 AmEx credit.

2.625%
No closing costs
20 year fixed
$2,500.00 AmEx credit. Just opening a card now and they said we would still get the AmEx credit.
State - NJ

Does this sound good? Is Better reputable?

Thanks!
by Investor1319
Thu Jul 16, 2020 3:37 pm
Forum: Personal Investments
Topic: Just invested in VTSAX. Why not FBGRX instead?
Replies: 26
Views: 3214

Just invested in VTSAX. Why not FBGRX instead?

I know I'm probably going to get clobbered with my question, but you have all taught me so much and I just wanted to fully understand your reasoning as to why not invest in FBGRX in addition to or instead of VTSAX. I just opened a Vanguard taxable account and put $6,000.00 in it to start with the in...
by Investor1319
Wed Jul 15, 2020 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10047
Views: 708826

Re: Refinance Mega Thread

Is it worth opening up a free AmEx card to take advantage of the offer with Better? Anyone know the best free AmEx card to get? I'm not too familiar with the different cards.
by Investor1319
Wed Jul 15, 2020 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10047
Views: 708826

Re: Refinance Mega Thread

I'm trying to see if it's worth it for me to refinance. Want a 20 year fixed. No cost. Home value is approx $790K. Outstanding principal is approx $490K. Interest rate is 3.875%. Problem seems to be that I also have a HELOC with balance of $30K at 3.25%. Would be hard for me to pay it off upfront t...
by Investor1319
Wed Jul 15, 2020 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10047
Views: 708826

Re: Refinance Mega Thread

I'm trying to see if it's worth it for me to refinance. Want a 20 year fixed. No cost. Home value is approx $790K. Outstanding principal is approx $490K. Interest rate is 3.875%. Problem seems to be that I also have a HELOC with balance of $30K at 3.25%. Would be hard for me to pay it off upfront to...
by Investor1319
Mon Jul 13, 2020 5:01 pm
Forum: Personal Investments
Topic: Teens - Roth IRA - Allocation
Replies: 19
Views: 1004

Re: Teens - Roth IRA - Allocation

Target retirement date funds make a lot of sense esp. for those just starting out. Many (probably most) are better off with something that discourages tinkering. Set it and forget it. At this stage contribution rate is much more important than whether they're invested in 100% stocks or 90/10, which...
by Investor1319
Mon Jul 13, 2020 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Refinance Mortgage
Replies: 4
Views: 315

Should I Refinance Mortgage

I currently have a $495K mortgage at interest rate of 3.875% in state of NJ. It looks like interest rates are lower now, but I've heard that you shouldn't refinance unless you can save a whole point because of closing costs. I would love to know your thoughts! Thanks!!
by Investor1319
Mon Jul 13, 2020 11:31 am
Forum: Personal Investments
Topic: Teens - Roth IRA - Allocation
Replies: 19
Views: 1004

Re: Teens - Roth IRA - Allocation

My personal preference would be the Total Word Stock Market, VT, which is an ETF. If a mutual fund is preferred, however, I would start with total stock. Fidelity's Four-in-One Index Fund, FFNOX, or their 2060 retirement fund, FDKLX, could be options too. Thanks for your response. Total World has a...
by Investor1319
Mon Jul 13, 2020 7:56 am
Forum: Personal Investments
Topic: Teens - Roth IRA - Allocation
Replies: 19
Views: 1004

Teens - Roth IRA - Allocation

Hi, My kids, ages 21 and 18, are opening Roth IRAs thru Fidelity. Even though I use Vanguard, my Husband uses Fidelity and we feel that it is a much more user-friendly site and will be easier for my kids to navigate, research and learn on as they begin investing. My husband would like them to be in ...
by Investor1319
Sun Jul 12, 2020 12:22 pm
Forum: Personal Investments
Topic: VTSAX vs. VFIAX plus Separate Mid-Cap and Small-Cap or Extended Market
Replies: 6
Views: 745

VTSAX vs. VFIAX plus Separate Mid-Cap and Small-Cap or Extended Market

Can you tell me the difference between investing in Vanguard Total Stock Market (VTSAX) vs. investing in S&P (VFIAX) plus separate mid-cap and separate small-cap funds or S&P (VFIAX) plus Vanguard's Extended Market fund? Do you like one of these three options more than the others?

Thanks!
by Investor1319
Sat Jul 11, 2020 8:23 pm
Forum: Personal Investments
Topic: Alternative to Three Fund Portfolio?
Replies: 29
Views: 2430

Re: Alternative to Three Fund Portfolio?

Thank you all!! I'll stick with the Three Fund Portfolio :happy
by Investor1319
Sat Jul 11, 2020 5:46 pm
Forum: Personal Investments
Topic: Alternative to Three Fund Portfolio?
Replies: 29
Views: 2430

Alternative to Three Fund Portfolio?

I just read an article that suggested instead of investing in S&P or Total Stock Market Index Fund, to instead diversify equally among large cap growth, large cap value, small cap growth and small cap value funds. Would love to know your thoughts about this. Also, article said that if you are go...
by Investor1319
Wed Jul 08, 2020 8:21 pm
Forum: Personal Investments
Topic: Taxable Account - VTSAX vs. VTI
Replies: 19
Views: 2975

Re: Taxable Account - VTSAX vs. VTI

Thank you for all the information. I feel very confused now because I haven't heard of Tax Loss Harvesting before and want to make sure I don't make any mistakes as we begin to invest in a taxable account. As I mentioned, my IRA is in VTSAX (total stock market) thru Vanguard. My husband's IRA is in...
by Investor1319
Wed Jul 08, 2020 4:41 pm
Forum: Personal Investments
Topic: Three Fund Portfolio - A Few Questions
Replies: 6
Views: 758

Three Fund Portfolio - A Few Questions

Hi, I make contributions to my IRA monthly and will be maxed out by end of the calendar year so want to now start investing in a taxable account(s) (all thru Vanguard). I was planning to follow the three fund portfolio guidelines and begin by investing in VTSAX in a taxable account. Should I be inve...
by Investor1319
Tue Jul 07, 2020 5:21 pm
Forum: Personal Investments
Topic: How to Invest and Avoid Wash Sale
Replies: 7
Views: 645

How to Invest and Avoid Wash Sale

I decided to write this in a new post b/c my question has changed since my post yesterday. I feel very confused because I just learned about Tax Loss Harvesting & Wash Sales & I want to make sure I don't make any mistakes as my husband & I begin to invest in a taxable account. My IRA is ...
by Investor1319
Tue Jul 07, 2020 4:40 pm
Forum: Personal Investments
Topic: Taxable Account - VTSAX vs. VTI
Replies: 19
Views: 2975

Re: Taxable Account - VTSAX vs. VTI

Thank you for all the information. I feel very confused now because I haven't heard of Tax Loss Harvesting before and want to make sure I don't make any mistakes as we begin to invest in a taxable account. As I mentioned, my IRA is in VTSAX (total stock market) thru Vanguard. My husband's IRA is in ...
by Investor1319
Mon Jul 06, 2020 5:52 pm
Forum: Personal Investments
Topic: Taxable Account - VTSAX vs. VTI
Replies: 19
Views: 2975

Re: Taxable Account - VTSAX vs. VTI

02nz's reply has a very helpful link to compare ETF vs mutual funds. I'll also mention something about taxable investing you may want to know. Imagine you invest $10000 in VTSAX (or VTI) in taxable and you are also making regular contributions to VTSAX in your IRA. And imagine the stock market has ...
by Investor1319
Mon Jul 06, 2020 5:23 pm
Forum: Personal Investments
Topic: Taxable Account - VTSAX vs. VTI
Replies: 19
Views: 2975

Re: Taxable Account - VTSAX vs. VTI

Where is your taxable account located? If it's anywhere but Vanguard, avoid the mutual fund version, since you have to pay a fee at most firms. If it's Vanguard, it's your call really. How familiar are you with ETFs? Definitely read the wiki article mentioned above. My IRA is in Vanguard VTSAX. I w...
by Investor1319
Mon Jul 06, 2020 4:38 pm
Forum: Personal Investments
Topic: Taxable Account - VTSAX vs. VTI
Replies: 19
Views: 2975

Taxable Account - VTSAX vs. VTI

I'm getting ready to invest in my first taxable account. My IRA is invested in VTSAX. Should my taxable account hold VTSAX or VTI? Or something else entirely? I have the $3K minimum needed for VTSAX so that's not an issue. Just not sure if one is more tax efficient than the other or if you prefer on...
by Investor1319
Wed Jun 10, 2020 12:59 pm
Forum: Personal Investments
Topic: VTSAX vs. VFIAX - What Am I Missing?
Replies: 58
Views: 8068

VTSAX vs. VFIAX- I'm Struggling!

[Thread merged into here, see below. --admin LadyGeek] Someone on this forum used the phrase "analysis paralysis" and this describes me perfectly right now!! I am still struggling with whether to own VTSAX or VFIAX. I have my IRA (approx $30K) in VTSAX so at least I am in the market and n...
by Investor1319
Sun Jun 07, 2020 3:26 pm
Forum: Personal Investments
Topic: VTSAX vs. VFIAX - What Am I Missing?
Replies: 58
Views: 8068

VTSAX vs. VFIAX - What Am I Missing?

I have about $30K in my IRA in VTSAX (Total Stock Market) and am considering moving it to VFIAX (S&P). I understand about the increased diversification that Total Stock Market Index Fund provides and I know the two funds usually run neck and neck as far as returns are concerned. It does seem lik...
by Investor1319
Fri Jun 05, 2020 1:29 pm
Forum: Personal Investments
Topic: Vanguard vs. Fidelity
Replies: 126
Views: 11313

Re: Vanguard vs. Fidelity

Thank you everyone for all of your helpful posts!! I really appreciate you taking the time to respond.
by Investor1319
Thu Jun 04, 2020 4:21 pm
Forum: Personal Investments
Topic: Vanguard vs. Fidelity
Replies: 126
Views: 11313

Vanguard vs. Fidelity

I have about $30K invested in my IRA (total stock market) in Vanguard. My husband has about $33K invested in his IRA (S&P) with Fidelity. I'm struggling with whether I should stay with Vanguard or switch to Fidelity since I am a smaller investor (at least right now) and read that Fidelity is bet...
by Investor1319
Thu Mar 05, 2020 3:02 pm
Forum: Personal Investments
Topic: Growth Fund vs. Total Stock Market for 52 year old
Replies: 15
Views: 1815

Re: Growth Fund vs. Total Stock Market for 52 year old

All of your comments have been very helpful. Just for my own knowledge, how do you figure out what the dollar amount cost would be of an Annual Annuity Charge of .25%?
by Investor1319
Wed Mar 04, 2020 8:01 pm
Forum: Personal Investments
Topic: Growth Fund vs. Total Stock Market for 52 year old
Replies: 15
Views: 1815

Growth Fund vs. Total Stock Market for 52 year old

Most of my savings is in an IRA invested in the Total Stock Market thru Vanguard. Recently, someone told me that I should instead be investing in a growth fund because I am 52 years old and need to invest more aggressively while I am still young enough. They suggested I move to Fidelity and invest i...
by Investor1319
Mon Nov 05, 2018 8:40 pm
Forum: Personal Investments
Topic: FUSVX vs. FXAIX [Fidelity® 500 Index - Premium vs. Institutional]
Replies: 8
Views: 4878

Re: FUSVX vs. FXAIX [Fidelity® 500 Index - Premium vs. Institutional]

Thanks everyone. I saw that the expense ratio reduced to .015. I just didn’t realize that the fund’s name changed too. We also have money in Vanguard’s Total Stock Market Index Fund where the expense ratio is .04. We originally had vanguard because of its low expense ratios, but now fidelity is beat...
by Investor1319
Sun Nov 04, 2018 9:27 pm
Forum: Personal Investments
Topic: FUSVX vs. FXAIX [Fidelity® 500 Index - Premium vs. Institutional]
Replies: 8
Views: 4878

FUSVX vs. FXAIX [Fidelity® 500 Index - Premium vs. Institutional]

I have had my IRA in FUSVX. I just saw that it now converted to the fund FXAIX. Can anyone explain why? Thanks!
by Investor1319
Sun Jul 29, 2018 8:03 pm
Forum: Personal Investments
Topic: Tech Fund - FSCSX- Time to Sell? [Fidelity® Select Software and IT Services]
Replies: 15
Views: 1289

Re: Tech Fund - FSCSX- Time to Sell? [Fidelity® Select Software and IT Services]

I appreciate all of your responses. I have most of my money in VTSAX and just $2500 invested in FSCSX which was a risk I felt comfortable taking.
by Investor1319
Sun Jul 29, 2018 11:53 am
Forum: Personal Investments
Topic: Tech Fund - FSCSX- Time to Sell? [Fidelity® Select Software and IT Services]
Replies: 15
Views: 1289

Tech Fund - FSCSX- Time to Sell? [Fidelity® Select Software and IT Services]

I have money in the Fidelity Tech fund FSCSX. Given what happened with Facebook this week, do you think it's time to sell? Or will the tech sector recover? Thanks for any advice!!