Search found 263 matches

by carmonkie
Thu Jul 30, 2020 6:24 pm
Forum: Personal Investments
Topic: Poor service at Vanguard making me re-think my decision
Replies: 96
Views: 7915

Re: Poor service at Vanguard making me re-think my decision

You could have posted. Poor service at <insert name here> and would have gotten the same negative experiences.

We are happy with Vanguard. One time I made a mistake entering a MF order and they corrected it over the phone. I have not had a need to consider jumping ship...
by carmonkie
Thu Jul 23, 2020 8:15 am
Forum: Personal Investments
Topic: What is your game plan as market is reaching its previous all time high?
Replies: 135
Views: 12756

Re: What is your game plan as market is reaching its previous all time high?

I am 80/20 and will continue that path, I did simplify my portfolio, sold off all Int Small Cap to TLH and just moved to Total international. Sold off little what was left of REIT (<4% of assets) and moved to Total US. Other than that, just keep adding to keep my AA.
by carmonkie
Mon Jul 13, 2020 1:08 pm
Forum: Personal Investments
Topic: HSA and portfolio help
Replies: 5
Views: 429

Re: HSA and portfolio help

If you are not using the HSA for medical, take a look at the option of using Fidelity HSA and not keep cash just sitting there idle. You could do a full IRA roll-over (once per year) and move all your balance over to Fidelity and be invested in your AA 100%. As you grow your cash account, over the c...
by carmonkie
Tue Jul 07, 2020 3:33 pm
Forum: Personal Investments
Topic: Sell my house, buy 2 condos, travel and see what I want to do in my life.
Replies: 5
Views: 1304

Re: Sell my house, buy 2 condos, travel and see what I want to do in my life.

On your original post you stated that being a landlord is a hassle, and you are thinking about becoming a landlord again. Just does not make sense to me. 2 condos is 2x insurance, 2x taxes, 2x maintenance, 2x everything... I think starting with downsizing is a good plan, but you still need a lot to ...
by carmonkie
Mon Jul 06, 2020 7:41 pm
Forum: Personal Investments
Topic: Portfolio Simplification - REIT question
Replies: 1
Views: 263

Portfolio Simplification - REIT question

I began investing in REIT in my Roth account about 3 years ago. At that time, the REIT was about 5% of the retirement and where I wanted to keep it at. I just added to it every year with the annual contribution. As the overall balance in taxable, HSA, and 401(k) grew the REIT % in terms of balance h...
by carmonkie
Fri Jun 26, 2020 10:56 am
Forum: Personal Investments
Topic: Those new fidelity funds like FZROX
Replies: 8
Views: 693

Re: Those new fidelity funds like FZROX

One of the issues is portability. You can't move in-kind to another brokerage. You will have to liquidate. If they are in a taxable account, this could trigger a taxable event. If they are in a Roth or HSA, it is not a problem.

I use them in HSA and I am happy camper.
by carmonkie
Wed Jun 24, 2020 4:36 pm
Forum: Personal Investments
Topic: HSA portfolio
Replies: 7
Views: 528

Re: HSA portfolio

My HSA has the same AA as my portfolio, but not counting it towards the portfolio due to the low % it represents. Also, I would take some time to learn the fees (maintenance and transfer/rollover) in your HSA and also suggest you to read the Fidelity HSA thread. You can do one yearly rollover to Fid...
by carmonkie
Mon Jun 22, 2020 12:41 pm
Forum: Personal Investments
Topic: Life Strategy Funds
Replies: 12
Views: 1109

Re: Life Strategy Funds

They are excellent funds depending on your stage in life, you can from aggressive 80/20 stocks/bonds all the way to 20/80. The main difference compared to a Target fund is that their stock to bond ratio does not adjust as time goes by, they stay the same. The funds do throw some Capital Gains so car...
by carmonkie
Mon Jun 22, 2020 12:31 pm
Forum: Personal Investments
Topic: Opinions on venture capital for the average person
Replies: 33
Views: 1153

Re: Opinions on venture capital for the average person

I did an angel investor project and the first year went really good. We signed an extension for year 2 and the project had some issues at the beginning that stopped dividends payment. The project turned around and was able to collect back payments, but as second year was ending, we decided to part w...
by carmonkie
Fri Jun 19, 2020 4:56 pm
Forum: Personal Investments
Topic: Multiple portfolio views
Replies: 7
Views: 485

Re: Multiple portfolio views

Have you tried Morninstrar Portfolio?

You can upload the funds/stocks you own along with the shares and from there you can customize all the views you want based on a large rage of options.
by carmonkie
Fri Jun 19, 2020 2:33 pm
Forum: Personal Investments
Topic: Corporate Bonds
Replies: 35
Views: 2340

Re: Corporate Bonds

Vanguard Short-Term corporate ETF (VCSH) if you want to look into it. It behaved a lot like stocks during the pandemic, but I believe even Bonds were somewhat iliquid during that time period as well. YTD is back in the black and gained about 1.7% while the S&P still down -3.47%. The Fed has committe...
by carmonkie
Thu Jun 11, 2020 1:06 pm
Forum: Personal Investments
Topic: Thoughts on today's sell-off?
Replies: 194
Views: 16297

Re: Thoughts on today's sell-off?

Tomorrow my company buys 401(k) shares so should get some discounted shares..
by carmonkie
Wed Jun 10, 2020 1:02 pm
Forum: Personal Investments
Topic: Fidelity HSA sweep interest dropped dramatically. Good alternative to sweep?
Replies: 3
Views: 264

Re: Fidelity HSA sweep interest dropped dramatically. Good alternative to sweep?

What is your need for the HSA? Are you using it to pay medical expenses?

We are not, so just mirroring a 3-fund using Zero Fee funds and the Fidelity Bond Fund.
by carmonkie
Wed Jun 10, 2020 11:35 am
Forum: Personal Investments
Topic: Fidelity HSA Investment
Replies: 31
Views: 3391

Re: Fidelity HSA Investment

I'm really aggressive in the way I invest in my HSA, 100% equities. My plan was to just use it to pay my MediCare premiums in retirement, at that point I'll have a glide path down the something less volatile. I assume that will draw most all of it down through retirement, I don't keep receipts now,...
by carmonkie
Wed Jun 10, 2020 11:15 am
Forum: Personal Investments
Topic: Asset Allocation for my Roth
Replies: 23
Views: 1655

Re: Asset Allocation for my Roth

Your Roth needs to be part of your overall asset allocation. Are you happy with your Stock to Bond allocation? Fidelity 2050 seems to be 90/10 Generally speaking, Roth accounts should contain high return assets like Total Stock, Sm-Caps, REIT. Those assets will grow tax free. I also have Total Inter...
by carmonkie
Thu May 28, 2020 1:30 pm
Forum: Personal Investments
Topic: need help cleaning up my 401k
Replies: 6
Views: 431

Re: need help cleaning up my 401k

What does 4% represent of your overall portfolio (Not just the 401(k))? If you have other Roth or taxable accounts your 4% becomes more like 1-2 %? It is not relevant in the big picture. Say you have a balance of 5,000 combined in those 2 funds and you sell today, what do you have? You still have a ...
by carmonkie
Thu May 28, 2020 11:01 am
Forum: Personal Investments
Topic: If not 3 fund, whats your strategy ?
Replies: 66
Views: 4434

Re: If not 3 fund, whats your strategy ?

I used to slice and dice even international and overtime I realized it was too hard so slowly consolidated. I think at its worst I had like 15 different fund classes and now down to major 5. 20% Bonds 30% Total International. During the pandemic sold off and tax loss harvested all my Small-Cap Int a...
by carmonkie
Fri May 22, 2020 12:53 pm
Forum: Personal Investments
Topic: Inherited Edward Jones Account: Transfer to Vanguard?
Replies: 27
Views: 2284

Re: Inherited Edward Jones Account: Transfer to Vanguard?

R2, Sorry to hear about your loss. I think your parents were using a Financial Advisor so that might be the main reason to move over to Vanguard or Fidelity. That should save you some money in expenses and their FA was probably using some high-cost funds there. You should take advantage from Step-up...
by carmonkie
Fri May 22, 2020 12:17 pm
Forum: Personal Investments
Topic: Fidelity HSA Investment
Replies: 31
Views: 3391

Re: Fidelity HSA Investment

I'm really aggressive in the way I invest in my HSA, 100% equities. My plan was to just use it to pay my MediCare premiums in retirement, at that point I'll have a glide path down the something less volatile. I assume that will draw most all of it down through retirement, I don't keep receipts now,...
by carmonkie
Fri May 22, 2020 12:08 pm
Forum: Personal Investments
Topic: Combine 401k Accounts?
Replies: 8
Views: 390

Re: Combine 401k Accounts?

Depends on the fees and if new employer allows incoming transfers. One thought is that she could use the old 401(k) holding bonds only and have the new 401(k) with 100% equities. As she needs more bonds, she would sell equities on the old 401(k) to rebalance. Without not knowing what funds and fees ...
by carmonkie
Fri May 08, 2020 12:46 pm
Forum: Personal Investments
Topic: Drawbacks to chasing savings account bonuses?
Replies: 28
Views: 2263

Re: Drawbacks to chasing savings account bonuses?

one of two I looked at required setting up minimum direct deposit. That's another hassle I did not want to do. I am sure I would close the account and then they would try to deposit because i forgot to update the HR system...
by carmonkie
Fri May 08, 2020 12:01 pm
Forum: Personal Investments
Topic: Addition Only Rebalancing
Replies: 10
Views: 754

Re: Addition Only Rebalancing

Here is another option that builds on google sheets. https://www.doughroller.net/investing/an-awesome-and-free-investment-tracking-spreadsheet/ What you can do is under Account column.. Create an entry called New-Money and play with the shares to get you close to the dollar amount you are investing....
by carmonkie
Fri May 08, 2020 11:51 am
Forum: Personal Investments
Topic: Gripes with VT (Vanguard Total-World ETF, ER .08)?
Replies: 23
Views: 1701

Re: Gripes with VT (Vanguard Total-World ETF, ER .08)?

VT in Roth is a great fund to have. I'd let it ride there. One of the drawbacks of having VT in taxable might be tax-loss harvesting. Many of us did that during this pandemic, sell at a loss and buy a similar but not an identical asset, but if all of your assets are in VT, where or how do you tax-lo...
by carmonkie
Fri May 08, 2020 10:35 am
Forum: Personal Investments
Topic: How not to stretch yourself too thin on home purchase?
Replies: 34
Views: 3433

Re: How not to stretch yourself too thin on home purchase?

A while back a buddy of mine invited me to see his new house. I went upstairs to check the place and noticed all the upstairs doors and vents were closed and I asked him what is up with that? He kept all the upstairs doors and vents closed because he did not want to cool off empty rooms... Don't be...
by carmonkie
Thu May 07, 2020 9:14 am
Forum: Personal Investments
Topic: How not to stretch yourself too thin on home purchase?
Replies: 34
Views: 3433

Re: How not to stretch yourself too thin on home purchase?

A while back a buddy of mine invited me to see his new house. I went upstairs to check the place and noticed all the upstairs doors and vents were closed and I asked him what is up with that? He kept all the upstairs doors and vents closed because he did not want to cool off empty rooms... Don't be ...
by carmonkie
Tue May 05, 2020 10:22 am
Forum: Personal Investments
Topic: Withdraw from Roth IRA to pay down mortgage?
Replies: 6
Views: 598

Re: Withdraw from Roth IRA to pay down mortgage?

I would not. You are borrowing against your 401(k). You would have to establish a repayment plan to pay back that money and if you leave or are terminated that loan balance is due pronto like 60-90 days. If you don't repay it, it's a deemed distribution of the balance of the loan, and the portion of...
by carmonkie
Mon May 04, 2020 11:07 am
Forum: Personal Investments
Topic: Want all stock, no bonds...how to?
Replies: 15
Views: 1542

Re: Want all stock, no bonds...how to?

Over over the last 95 years, holding a 100% equity portfolio gained you only 0.6% return, but softened the ride considerably, giving up 43% vs. 35% in the worst year. https://personal.vanguard.com/us/insights/saving-investing/model-portfolio-allocations As Buffett was pointing out this weekend, $10...
by carmonkie
Mon May 04, 2020 9:03 am
Forum: Personal Investments
Topic: Anyone Heard of the Dividend Machine or High Yield Landlord?
Replies: 59
Views: 4388

Re: Anyone Heard of the Dividend Machine or High Yield Landlord?

If you are into Dividends Just invest in the Dividend Aristocrat ETF or Vanguard Dividend ETF, but do not hold in taxable. For the other one.. If this does not tell you the whole thing.. I do not know what will. Ready to get started? Join Us For A 2-Week Free Trial Before The Price Increase! We are...
by carmonkie
Mon May 04, 2020 8:58 am
Forum: Personal Investments
Topic: Stock from new employer -- don't know what I don't know
Replies: 6
Views: 400

Re: Stock from new employer -- don't know what I don't know

Congrats on your offer!! Can you negotiate the stock compensation? RSU vs. Stock Options vs Restricted Cash? I tend to prefer Restricted Stock Units because they have an effective strike price of 0 and they are taxed as regular income and when they vest, their value is #shares*market price and you w...
by carmonkie
Tue Apr 28, 2020 4:16 pm
Forum: Personal Investments
Topic: Switching to an actively managed plan in this market.
Replies: 14
Views: 989

Re: Switching to an actively managed plan in this market.

I am curious how are they going to "actively" manage your 401(k)? You can't transfer assets outside the custodian. Are they looking at giving you guidance how to invest? When a FA did a sales pitch to us, she said all she could do was to look at the fund offerings and suggest what would fit with her...
by carmonkie
Tue Apr 28, 2020 3:44 pm
Forum: Personal Investments
Topic: Anyone Heard of the Dividend Machine or High Yield Landlord?
Replies: 59
Views: 4388

Re: Anyone Heard of the Dividend Machine or High Yield Landlord?

If you are into Dividends Just invest in the Dividend Aristocrat ETF or Vanguard Dividend ETF, but do not hold in taxable. For the other one.. If this does not tell you the whole thing.. I do not know what will. Ready to get started? Join Us For A 2-Week Free Trial Before The Price Increase! We are ...
by carmonkie
Tue Apr 28, 2020 1:07 pm
Forum: Personal Investments
Topic: Funds to Pair With Vanguard 500
Replies: 5
Views: 437

Re: Funds to Pair With Vanguard 500

I would personally just keep VIIIX at 80% and SLYV @ 20%. If you run this combination through Portfolio Visualizer you will see that the portfolio returns compared to Total US Market are nearly identical.

Keep it simple.
by carmonkie
Tue Apr 21, 2020 9:35 am
Forum: Personal Investments
Topic: Suggestions for increasing bonds in our portfolio?
Replies: 12
Views: 1214

Re: Suggestions for increasing bonds in our portfolio?

Are you planning on working until 70? Do you want to own any international stocks and REIT at retirement? I would at least re-allocate contributions so that it matches 40/60 for now until I decide what to do. The reason I ask about International and REIT is because that represents about 14% of the 2...
by carmonkie
Tue Apr 21, 2020 8:22 am
Forum: Personal Investments
Topic: Thoughts on direct indexing the S&P 500
Replies: 24
Views: 1996

Re: Thoughts on direct indexing the S&P 500

I do not recommend this because you probably suck at trading and you'll give up several years worth of ER on that just to buy-in. Also, you have no legal mechanism to shed appreciated shares so you'll probably end up selling your losers until you have a wicked momentum fund. But if I were to do thi...
by carmonkie
Tue Apr 21, 2020 8:10 am
Forum: Personal Investments
Topic: Asset allocation with an HSA
Replies: 20
Views: 1014

Re: Asset allocation with an HSA

I have the same allocation 80/20 as my overall portfolio using 2 Fidelity Zero funds and their US bond fund, but treat it as its own account. I found that is easier to make manage that way.
by carmonkie
Mon Apr 20, 2020 4:54 pm
Forum: Personal Investments
Topic: Auto 401k contributions
Replies: 11
Views: 478

Re: Auto 401k contributions

We get paid every other week and the purchases show already settled on Saturday morning..
by carmonkie
Mon Apr 20, 2020 4:48 pm
Forum: Personal Investments
Topic: Best way to sell Dodge & Cox Mutual Fund, but not be out of the market?
Replies: 20
Views: 1360

Re: Best way to sell Dodge & Cox Mutual Fund, but not be out of the market?

You need to find out if Fidelity has any fees for selling a fund that is not of their family of funds. This fee could be anywhere between 29.99 all the way to 49.99 or more. This fee would be assessed every time you submit a sell order. If you really do not want to be out of the market, you can do t...
by carmonkie
Fri Apr 17, 2020 11:15 am
Forum: Personal Investments
Topic: How does the 401k employer match work?
Replies: 9
Views: 471

Re: How does the 401k employer match work?

Mine is
4% of compensation (includes bonuses)
No true-up.
Immediate vesting.
This year they started to match with every pay period, prior to that it was a one-time deposit around March..
by carmonkie
Thu Apr 09, 2020 11:23 am
Forum: Investing - Theory, News & General
Topic: If you have a sizable portfolio, you don't need an emergency fund
Replies: 140
Views: 10709

Re: If you have a sizable portfolio, you don't need an emergency fund

There are many ways to skin the EM cat, you gave your valid personal opinion, but there are also home dynamics that come into play as well. We have our EM in a joint account. My wife wanted all cash so we compromised and we have 9months in MM, while the other 3 months are on Total World ETF. This is...
by carmonkie
Tue Apr 07, 2020 11:24 am
Forum: Personal Investments
Topic: Help me understand PIMIX and ZEOIX [and MWTRX]
Replies: 14
Views: 860

Re: Help me understand PIMIX and ZEOIX [and MWTRX]

PIMIX was just added to my 401(k) offering alongside Fidelity US Bond Index (FXNAX) When reading about both funds, FXNAX is the Vanguard equivalent which I had been buying using self-direct because we did not have a decent fund offering. So I was happy to see FXNAX added, but PIMIX was a turnoff rig...
by carmonkie
Tue Apr 07, 2020 11:09 am
Forum: Personal Investments
Topic: HSA moved to Fidelity and I need help on fund selection
Replies: 11
Views: 530

Re: HSA moved to Fidelity and I need help on fund selection

Thank you for your responses. This leads me to another question - I keep my bonds in my tax deferred account and have my HSA and Roth IRAs in all stocks. My goal is to not have to use this money until retirement (25+ years away). Is this the wrong way to look at it? My AA is 70/30 so 30% of my inve...
by carmonkie
Mon Apr 06, 2020 5:24 pm
Forum: Personal Investments
Topic: Change to future 401 k contributions
Replies: 10
Views: 1079

Re: Change to future 401 k contributions

I use my 401(k) to hold all my Bonds holdings. Prior to this COVID thing, I was directing almost 90% to bonds and was not able to keep-up, fast forward to today, Bonds allocation is higher so I started redirecting 95% to equities. Nothing wrong to change 401(k) contributions to help you maintain you...
by carmonkie
Fri Mar 27, 2020 4:17 pm
Forum: Personal Investments
Topic: Are there ways to make better gains during this crisis? Value investing?
Replies: 13
Views: 1661

Re: Are there ways to make better gains during this crisis? Value investing?

Airlines and Cruise Liners if you think they will rebound..
by carmonkie
Mon Mar 23, 2020 8:56 pm
Forum: Personal Investments
Topic: VTSAX vs VOO
Replies: 18
Views: 2451

Re: VTSAX vs VOO

VOO tracks the S&P 500 index while VTSAX is the Total US Stock, which includes Mid-Cap and Sm-Cap something VOO does not include.
VOO has about 80% of the stocks in VTSAX.
by carmonkie
Mon Mar 23, 2020 2:18 pm
Forum: Personal Investments
Topic: Anyone else increasing their equity allocation?
Replies: 28
Views: 2991

Re: Anyone else increasing their equity allocation?

I am 80/20 Prior to the market going down, I was contributing 90% in bonds in my 401(k) and not really keeping up with stocks. Fast forward, the bond portion is now higher that I am now contributing 100% equities in my 401(k) without touching the bond principal. It has not gotten totally out of whac...
by carmonkie
Wed Mar 18, 2020 12:38 am
Forum: Personal Investments
Topic: Was your Financial Advisor worth its money?
Replies: 15
Views: 1960

Was your Financial Advisor worth its money?

This is just a general question for those that use a Financial Advisor. Did you FA provide a recommendation or took any action while all this mess was/is going on? Do you think it was sound advice and was it worth what you are paying him/her. I am just curious to read what value did, if any, your FA...
by carmonkie
Sat Mar 14, 2020 12:38 pm
Forum: Personal Investments
Topic: International TLH and portfolio simplification. Am i doing it right?
Replies: 1
Views: 114

International TLH and portfolio simplification. Am i doing it right?

Hello.. Most of my losses over the past 30 days are now giving me the chance to do Tax Loss Harvesting. Most of the losses are in International. At the same time, I am also looking at exiting some SM-Cap international that I had planned on doing even before this mess. At the end the Internnational e...
by carmonkie
Fri Mar 13, 2020 1:33 pm
Forum: Personal Investments
Topic: Purchase airline stock?
Replies: 32
Views: 2173

Re: Purchase airline stock?

Why stop at Airlines. Load up on Clorox, people are going nuts over cleaning supplies so their stock should go through the roof because of this demand right?
by carmonkie
Thu Mar 12, 2020 5:01 pm
Forum: Personal Investments
Topic: Who is staying course and how are you dealing with net worth going down?
Replies: 359
Views: 26648

Re: Who is staying course and how are you dealing with net worth going down?

This is really my first major market downward movement. I was not heavily invested back in 2008. we were oh so close to the 1/2 mil mark and have taken a setback. I am shrugging it off right now. I will be able to Tax-loss harvest for the the first time and should carry over some losses. Other than ...
by carmonkie
Wed Mar 11, 2020 12:12 am
Forum: Personal Investments
Topic: International TLH and exit Int Sm-cap
Replies: 1
Views: 211

International TLH and exit Int Sm-cap

For my international AA @30% I have 20% in Total International and 10% in Sm-Cap (DLS and VSS). Over the past year or so, I have cleaned-up my International AA down to just these 3 funds. Is this the time to clean house and take all my TLH and roll everything to Total International? I have been toyi...