Search found 79 matches

by TylerLearning
Tue Mar 05, 2019 2:27 pm
Forum: Personal Investments
Topic: How to Begin with 1M
Replies: 150
Views: 23456

Re: How to Begin with 1M

Just use Vanguard and buy 1M of Total world stock indexed fund or ETF. White Maxima, thinking back over what you advised. I can't put your idea to invest 100% of my money together with the rule of thumb I read everywhere that I should be investing 10% of my money and putting the rest in savings of ...
by TylerLearning
Mon Mar 04, 2019 4:43 pm
Forum: Personal Investments
Topic: How to Begin with 1M
Replies: 150
Views: 23456

Re: How to Begin with 1M

Hi TylerLearning, just happened upon this thread today. I have read your past posts on worrying about losing your money or control of your money. That is the beauty of Vanguard. You are the boss! Once you establish a basic portfolio you can tweak and modify it as your knowledge increases or your li...
by TylerLearning
Mon Mar 04, 2019 4:39 pm
Forum: Personal Investments
Topic: How to Begin with 1M
Replies: 150
Views: 23456

Re: How to Begin with 1M

WhiteMaxima wrote:
Wed Feb 27, 2019 4:12 pm
You don't need an advisor. Just use Vanguard and buy 1M of Total world stock indexed fund or ETF.
Oh, White Maxima. The thread is so long. On advice from here, I left my advisor already last August. First attempt to move from Schwab to Vanguard was a bust. Thanks, "TL"
by TylerLearning
Mon Mar 04, 2019 4:32 pm
Forum: Personal Investments
Topic: How to Begin with 1M
Replies: 150
Views: 23456

Re: How to Begin with 1M

"Hi Tylerlearning, I know this is a long thread over a long time, but I did notice you are still responding so let me relate to you my recent experience. ... 1. I called Vanguard, explained I wanted to open an account and move my portfolio over. They assigned me a manager. He in turn assigned me a ...
by TylerLearning
Tue Feb 26, 2019 8:23 pm
Forum: Personal Investments
Topic: How to Begin with 1M
Replies: 150
Views: 23456

Re: How to Begin with 1M

What I expect .... About $1060 at 66-1/2 from Social Security. I am sorry for your loss. Strongly suggest waiting until age 70 to take Social Security. For every year deferring after full retirement age you get an additional 8% monthly. By age 70, that's $1,357 per month by my calculations. You not...
by TylerLearning
Sat Feb 09, 2019 7:08 pm
Forum: Personal Investments
Topic: How to Begin with 1M
Replies: 150
Views: 23456

Re: How to Begin with 1M

Sandtrap, hello, [/quote] The way to negate this is to post a new post requesting a "Portfolio Review" in the appropriate format. I believe this has been suggested earlier. https://www.bogleheads.org/wiki/Asking_portfolio_questions You will have few responses from the senior experienced portfolio ad...
by TylerLearning
Sat Feb 09, 2019 6:57 pm
Forum: Personal Investments
Topic: How to Begin with 1M
Replies: 150
Views: 23456

Re: How to Begin with 1M

Alpine, hello, there's nothing wrong with CDs (I also own some myself). In some cases (when you shop for the best CDs) you'll find ones that yield more than treasuries of the same duration (e.g. 2 year treasuries now have 2.5% yield), and the safety (up to the 100k FDIC insured amount) should be the...
by TylerLearning
Sat Feb 09, 2019 4:42 pm
Forum: Personal Investments
Topic: How to Begin with 1M
Replies: 150
Views: 23456

Re: How to Begin with 1M

Dear Fred: Your services are no longer needed. Please get Schwab to remove your trading authority from my account today. Also immediately stop charging any AUM fees. Thanks, It is also worthwhile to do a little research to find the "compliance officer" at the branch where you account is located and...
by TylerLearning
Sat Feb 09, 2019 4:31 pm
Forum: Personal Investments
Topic: How to Begin with 1M
Replies: 150
Views: 23456

Re: How to Begin with 1M

Germark, hello. 1. I have and can read all statements--for me, this in your reply was the core of the matter: They're relying on you to understand that there is non-investment activity that occurred that might be skewing the results. Calling Schwab three times I still had no one say: the results are...
by TylerLearning
Sat Feb 09, 2019 3:23 pm
Forum: Personal Investments
Topic: How to Begin with 1M
Replies: 150
Views: 23456

Re: How to Begin with 1M

Alpine, hello and thank you. I will skip over all the misunderstandings about my situation, how much I've hesitated, studied or understand, and so on. There are simply factors involved for me that aren't appropriate to discuss on a public forum. But I'm curious about this that you took the time to ...
by TylerLearning
Sat Feb 09, 2019 12:47 am
Forum: Personal Investments
Topic: How to Begin with 1M
Replies: 150
Views: 23456

Re: How to Begin with 1M

It sounds like you are a cautious investor and would prefer the safety of CDs to the higher growth/loss of more stocks and bonds. Someone had posted long ago to consider Vanguards Life Strategy Conservative Growth. That may be a good possibility to hold some of your money in addition to CDs. Vangua...
by TylerLearning
Fri Feb 08, 2019 8:54 pm
Forum: Personal Investments
Topic: How to Begin with 1M
Replies: 150
Views: 23456

Re: How to Begin with 1M

Wenonah As someone who also asks a lot of questions before they make any moves, I, too, recognize paralysis by analysis. Call Vanguard Financial Advisory Services and get an appointment with an advisor and they will help you and ask you questions, but guide you. We went to a fee only financial advi...
by TylerLearning
Fri Feb 08, 2019 7:43 pm
Forum: Personal Investments
Topic: How to Begin with 1M
Replies: 150
Views: 23456

Re: How to Begin with 1M

Wenonah As someone who also asks a lot of questions before they make any moves, I, too, recognize paralysis by analysis. Call Vanguard Financial Advisory Services and get an appointment with an advisor and they will help you and ask you questions, but guide you. We went to a fee only financial advis...
by TylerLearning
Fri Feb 08, 2019 4:39 pm
Forum: Personal Investments
Topic: How to Begin with 1M
Replies: 150
Views: 23456

Re: How to Begin with 1M

Hallo TylerLearning, I just browsed quickly through your travail.:) I got curious. It seems you are still not settled? If this is all too overwhelming now I think as someone suggested that you should just leave it be and do some reading and discussing. To give a tip anything that John Bogle wrote. ...
by TylerLearning
Fri Sep 07, 2018 1:26 am
Forum: Personal Investments
Topic: How to Begin with 1M
Replies: 150
Views: 23456

Re: How to Begin with 1M

What's the tax implications for a single premium annuity? I'm new to the entire matter and hope someone(s) will give you helpful answers. I've also had some luck putting search terms in the Subject box--in your case, "tax implications" and so on, try as many variations as you can think of, I bet th...
by TylerLearning
Fri Sep 07, 2018 12:10 am
Forum: Personal Investments
Topic: How to Begin with 1M
Replies: 150
Views: 23456

Re: How to Begin with 1M

https://www.flickr.com/gp/10712628@N02/65v7qL I could not find the page. But here is a screen capture of the results I saved a while back... You choose AA and time frame with the sliders at the bottom, and results are displayed graphically as above. You may want to do a search and see whether you c...
by TylerLearning
Thu Sep 06, 2018 11:11 pm
Forum: Personal Investments
Topic: How to Begin with 1M
Replies: 150
Views: 23456

Re: How to Begin with 1M

I messed up the quote system - Quote is in italics - response below in regular text. --> Thank you for your reply and encouragement. --> I don't have much sense of what "kind" of account I'll end up in Schwab post-de-linking. Sadly, I couldn't get a clear answer from Schwab. [insert frowny face] --...
by TylerLearning
Thu Sep 06, 2018 12:27 am
Forum: Personal Investments
Topic: How to Begin with 1M
Replies: 150
Views: 23456

Re: How to Begin with 1M

Congratulations! You're making progress. I would start with Option C: De-Link the Account . This will accomplish your objective of removing the FA and associated fees. That done, you can evaluate whether you want to continue using Schwab or select Option B and transfer the funds to Fidelity or Vang...
by TylerLearning
Wed Sep 05, 2018 10:43 pm
Forum: Personal Investments
Topic: How to Begin with 1M
Replies: 150
Views: 23456

Re: How to Begin with 1M

Hello, I am adding this to my OP (below). Following advice from this forum, I've asked my independent FA to help me end our relationship (and my son's with him, too). He had opened a Schwab account, where my money is now. I talked to Vanguard today, having read here that I could just call Vanguard ...
by TylerLearning
Wed Sep 05, 2018 10:13 pm
Forum: Personal Investments
Topic: How to Begin with 50,000
Replies: 13
Views: 1267

Re: How to Begin with 50,000

You begin the same as with any amount. Pick an asset allocation, move the funds someplace that won't charge a fee for advice, administration and oversight, and spread the money according to your asset allocation. Check in again in a few years, or not, just leave it invested. Thank you. Do you have ...
by TylerLearning
Thu Aug 30, 2018 6:19 pm
Forum: Personal Investments
Topic: How to Begin with 1M
Replies: 150
Views: 23456

Re: How to Begin with 1M

https://www.flickr.com/gp/10712628@N02/65v7qL I could not find the page. But here is a screen capture of the results I saved a while back... You choose AA and time frame with the sliders at the bottom, and results are displayed graphically as above. You may want to do a search and see whether you c...
by TylerLearning
Thu Aug 30, 2018 3:52 pm
Forum: Personal Investments
Topic: How to Begin with 1M
Replies: 150
Views: 23456

Re: How to Begin with 1M

These historic figures may help https://personal.vanguard.com/us/insights/saving-investing/model-portfolio-allocations?lang=en I can’t find a link to a page where you can set ant asset allocation and date range and it will give you the return. If I find it, will post later Gilgamesh, this link is p...
by TylerLearning
Thu Aug 30, 2018 2:28 pm
Forum: Personal Investments
Topic: How to Begin with 1M
Replies: 150
Views: 23456

Re: How to Begin with 1M

Tylerlearning Read the book by Jane Bryant Quinn "How to Make your Money Last" She is a great writer and makes things very understandable. There are other books in the Wiki here that are also excellent. Bryant says her book is about budgeting, mortgages, debt, and investing while waiting for your p...
by TylerLearning
Thu Aug 30, 2018 1:15 pm
Forum: Personal Investments
Topic: How to Begin with 1M
Replies: 150
Views: 23456

Re: How to Begin with 1M

Tylerlearning Just reading thru this thread this AM. I get the feeling that you are very overwhelmed at this point. You have been given lots of good advice but I feel your hesitation in making any changes. I am going to take a different approach. I advise you to do nothing for at least a month. You...
by TylerLearning
Wed Aug 29, 2018 10:48 pm
Forum: Personal Investments
Topic: How to Begin with 1M
Replies: 150
Views: 23456

Re: How to Begin with 1M

I have a Schwab account with the same balance as yours and my wife has a Vanguard account. I don't think there is much difference - in fact, I prefer Schwab. However, I did not sign up for their advisory services as I invest on my own. No AUM charges if you decide to go that route. In other words, ...
by TylerLearning
Wed Aug 29, 2018 8:53 pm
Forum: Personal Investments
Topic: How to Begin with 1M
Replies: 150
Views: 23456

Re: How to Begin with 1M

These historic figures may help https://personal.vanguard.com/us/insights/saving-investing/model-portfolio-allocations?lang=en I can’t find a link to a page where you can set ant asset allocation and date range and it will give you the return. If I find it, will post later Gilgamesh, this link is p...
by TylerLearning
Wed Aug 29, 2018 12:58 pm
Forum: Personal Investments
Topic: How to Begin with 1M
Replies: 150
Views: 23456

Re: How to Begin with 1M

These historic figures may help https://personal.vanguard.com/us/insights/saving-investing/model-portfolio-allocations?lang=en I can’t find a link to a page where you can set ant asset allocation and date range and it will give you the return. If I find it, will post later Gilgamesh, this link is p...
by TylerLearning
Tue Aug 28, 2018 11:03 pm
Forum: Personal Investments
Topic: How to Begin with 1M
Replies: 150
Views: 23456

Re: How to Begin with 1M

Ah CA. High state tax but I doubt your income/spending will justify the complexity of CA tax exempt bonds. I still think overall you’ll be most happy in tbe Lifestrategy moderate growth 60/40 fund. Easy and still pretty tax-efficient at your income level. Multiple funds will cause its own inefficie...
by TylerLearning
Tue Aug 28, 2018 8:01 pm
Forum: Personal Investments
Topic: How to Begin with 1M
Replies: 150
Views: 23456

Re: How to Begin with 1M

Ah CA. High state tax but I doubt your income/spending will justify the complexity of CA tax exempt bonds. I still think overall you’ll be most happy in tbe Lifestrategy moderate growth 60/40 fund. Easy and still pretty tax-efficient at your income level. Multiple funds will cause its own inefficie...
by TylerLearning
Tue Aug 28, 2018 6:58 pm
Forum: Personal Investments
Topic: How to Begin with 1M
Replies: 150
Views: 23456

Re: How to Begin with 1M

WhiteMaxima wrote:
Tue Aug 28, 2018 2:33 pm
Doubling it to 2 mil. Actually it only takes you 10 years assuming you can get 7% annual return. How to make 7% a year? That't I would like to hear from your guys.
Question noted.
by TylerLearning
Tue Aug 28, 2018 6:55 pm
Forum: Personal Investments
Topic: How to Begin with 1M
Replies: 150
Views: 23456

Re: How to Begin with 1M

billthecat wrote:
Tue Aug 28, 2018 1:30 pm
MotoTrojan wrote:
Tue Aug 28, 2018 10:55 am
Ah CA. High state tax but I doubt your income/spending will justify the complexity of CA tax exempt bonds.
Buying VCADX seems pretty straight forward.
Thanks, I'll look into that.
by TylerLearning
Tue Aug 28, 2018 6:51 pm
Forum: Personal Investments
Topic: How to Begin with 1M
Replies: 150
Views: 23456

Re: How to Begin with 1M

Ah CA. High state tax but I doubt your income/spending will justify the complexity of CA tax exempt bonds. I still think overall you’ll be most happy in tbe Lifestrategy moderate growth 60/40 fund. Easy and still pretty tax-efficient at your income level. Multiple funds will cause its own inefficie...
by TylerLearning
Tue Aug 28, 2018 6:45 pm
Forum: Personal Investments
Topic: How to Begin with 1M
Replies: 150
Views: 23456

Re: How to Begin with 1M

What I expect No retirement accounts or pensions. Freelance income as long as I’m able: $6-10,000 Will qualify for Medicare. About $1060 at 66-1/2 from Social Security. Hopes, wild and other 1. To live off the earnings from investment. 2. To be a little freer with money than I’ve been for a long ti...
by TylerLearning
Mon Aug 27, 2018 10:07 pm
Forum: Personal Investments
Topic: How to Begin with 1M
Replies: 150
Views: 23456

Re: How to Begin with 1M

These historic figures may help https://personal.vanguard.com/us/insights/saving-investing/model-portfolio-allocations?lang=en I can’t find a link to a page where you can set ant asset allocation and date range and it will give you the return. If I find it, will post later Gilgamesh, this link is p...
by TylerLearning
Mon Aug 27, 2018 10:01 pm
Forum: Personal Investments
Topic: How to Begin with 1M
Replies: 150
Views: 23456

Re: How to Begin with 1M

I think Vanguard is ideal for someone who is unsure of investing. They have great low-cost (low-ER) funds and won't lead you into expensive choices like others may or may not. Contacting the V PAS would give you some idea of what they suggest for investing. It could be 4-10 low-ER funds covering US...
by TylerLearning
Mon Aug 27, 2018 9:26 pm
Forum: Personal Investments
Topic: How to Begin with 1M
Replies: 150
Views: 23456

Re: How to Begin with 1M

Given that the OP has his money in a taxable account, does it make any sense to use two or three funds, with the bond portion in something like municipal bonds? Thank you for the question. Anyone? OP only spends $25K/yr so I don’t think they’ll be in a tax-bracket that would make that a win. I thin...
by TylerLearning
Mon Aug 27, 2018 9:08 pm
Forum: Personal Investments
Topic: How to Begin with 1M
Replies: 150
Views: 23456

Re: How to Begin with 1M

Investopedia has a great email that it sends out daily, explaining terms like yield and moving averages and so on. I know most of it, but I like to stay on the list to see what concepts I've not understoof yet. https://www.investopedia.com/corp/emailcampaign.aspx Konnichiwa, peterinjapan. Oh, it's ...
by TylerLearning
Mon Aug 27, 2018 9:02 pm
Forum: Personal Investments
Topic: How to Begin with 1M
Replies: 150
Views: 23456

Re: How to Begin with 1M

It is not that simple. Stocks and bonds pay dividends but their price also goes up and down (stocks get most of their growth from price appreciation, not dividends). You can't just do the math and figure out what interest rate you are going to get. Bond/stock funds will essentially always have a po...
by TylerLearning
Mon Aug 27, 2018 8:51 pm
Forum: Personal Investments
Topic: How to Begin with 1M
Replies: 150
Views: 23456

Re: How to Begin with 1M

angelescrest wrote:
Sun Aug 26, 2018 7:11 am
Given that the OP has his money in a taxable account, does it make any sense to use two or three funds, with the bond portion in something like municipal bonds?
Thank you for the question. Anyone?
by TylerLearning
Mon Aug 27, 2018 8:50 pm
Forum: Personal Investments
Topic: How to Begin with 1M
Replies: 150
Views: 23456

Re: How to Begin with 1M

Investing is probably one of the simplest things in the world Step #1. Go online and take an investing risk tolerance quiz, they are everywhere and they are free. Step #2. The risk tolerance quiz will tell you that what your allocation should be between stocks/bonds Ie 60%/40%. Write this down on a...
by TylerLearning
Mon Aug 27, 2018 8:40 pm
Forum: Personal Investments
Topic: How to Begin with 1M
Replies: 150
Views: 23456

Re: How to Begin with 1M

I am very sorry for your loss. What do you plan to do about health insurance until age 65? I am not an expert in Medi-Cal but I'm pretty sure you will cease to qualify if your income reaches 138% of the poverty line ( which equals $16,743 for a single in 2018). Thank you for the condolence. And oh,...
by TylerLearning
Mon Aug 27, 2018 8:26 pm
Forum: Personal Investments
Topic: How to Begin with 1M
Replies: 150
Views: 23456

Re: How to Begin with 1M

You have a lot to learn. Yield is not all the income you’re getting, it is total return that matters (yield plus price change, which can go up or down). Time to get to reading if you want to learn more. Maybe just do tax-managed balanced and be done. One fund. Or above mentioned Lifestrategy. Those...
by TylerLearning
Sat Aug 25, 2018 3:15 pm
Forum: Personal Investments
Topic: How to Begin with 1M
Replies: 150
Views: 23456

Re: How to Begin with 1M

MotoTrojan wrote:
Sat Aug 25, 2018 3:08 pm
I will add that if you stay at Schwab you probably don't want a Vanguard fund as they'll charge with transactions, but I would wager they have similar funds. Or you can start fresh at Vanguard.
Yes, perhaps a fresh start is the way to go. Thanks again for thinking on my behalf, it's kind of you.
by TylerLearning
Sat Aug 25, 2018 2:17 pm
Forum: Personal Investments
Topic: How to Begin with 1M
Replies: 150
Views: 23456

Re: How to Begin with 1M

I have a Schwab account with the same balance as yours and my wife has a Vanguard account. I don't think there is much difference - in fact, I prefer Schwab. However, I did not sign up for their advisory services as I invest on my own. No AUM charges if you decide to go that route. In other words, ...
by TylerLearning
Sat Aug 25, 2018 1:56 pm
Forum: Personal Investments
Topic: How to Begin with 1M
Replies: 150
Views: 23456

Re: How to Begin with 1M

looking wrote:
Sat Aug 25, 2018 1:51 pm
i dont understand why you worry, just put all the money into im from schwa into all three funds vg
Thanks for the nudge. My father used to say that freeway signs are for people who already know where they're going, it feels like that. Good to know it's not like that for everyone, yes.
by TylerLearning
Sat Aug 25, 2018 1:29 pm
Forum: Personal Investments
Topic: How to Begin with 1M
Replies: 150
Views: 23456

Re: How to Begin with 1M

You have a lot to learn. Yield is not all the income you’re getting, it is total return that matters (yield plus price change, which can go up or down). Time to get to reading if you want to learn more. Maybe just do tax-managed balanced and be done. One fund. Or above mentioned Lifestrategy. Those...
by TylerLearning
Fri Aug 24, 2018 11:21 pm
Forum: Personal Investments
Topic: How to Begin with 50,000
Replies: 13
Views: 1267

Re: How to Begin with 50,000

Yes, that is so true! Finding the balance is the tricky thing. I hope to be able to leave my kids a nice chunk of change when I pass too! I think all we can do is live one day at a time and hope for the best. We never know when it may be our last! :) Lucky children! I wish my parents had taught us ...
by TylerLearning
Fri Aug 24, 2018 11:02 pm
Forum: Personal Investments
Topic: How to Begin with 50,000
Replies: 13
Views: 1267

Re: How to Begin with 50,000

Cash money foolishly spent will be worth https://www.moneyunder30.com/rate-of-return-for-retirement-planning Best of luck!. I guess "cash money spent foolishly" and "cash money spent" are two different things. You are no doubt 100% right. At the same time, my son and I so much wish my mother had sp...
by TylerLearning
Fri Aug 24, 2018 10:39 pm
Forum: Personal Investments
Topic: How to Begin with 50,000
Replies: 13
Views: 1267

Re: How to Begin with 50,000

This will give you more info on IRA's available at Vanguard.https://investor.vanguard.com/ira/how-to-open-an-ira Thank you, I'll let him know this is an option. Not sure every 23-year old wants to put all his money away till he's 60. And I'll be dead around that time if not sooner and he'll have my...
by TylerLearning
Fri Aug 24, 2018 10:37 pm
Forum: Personal Investments
Topic: How to Begin with 1M
Replies: 150
Views: 23456

Re: How to Begin with 1M

You have a lot to learn. Yield is not all the income you’re getting, it is total return that matters (yield plus price change, which can go up or down). Time to get to reading if you want to learn more. Maybe just do tax-managed balanced and be done. One fund. Or above mentioned Lifestrategy. Those...