Search found 8 matches

by Sue Donim
Mon Jan 07, 2019 7:06 pm
Forum: Personal Investments
Topic: Redemption fee applied when converting from Admiral shares to ETF?
Replies: 4
Views: 301

Re: Redemption fee applied when converting from Admiral shares to ETF?

dratkinson, that was my suspicion as well but I will check with Vanguard before I pull the trigger. Just wanted to see if anyone had any personal experience doing this. Thank you for your response.
by Sue Donim
Mon Jan 07, 2019 7:02 pm
Forum: Personal Investments
Topic: Redemption fee applied when converting from Admiral shares to ETF?
Replies: 4
Views: 301

Re: Redemption fee applied when converting from Admiral shares to ETF?

jhfenton, that's my plan as well. That's what I hoped. Thank you for your response.
by Sue Donim
Mon Jan 07, 2019 11:53 am
Forum: Personal Investments
Topic: Redemption fee applied when converting from Admiral shares to ETF?
Replies: 4
Views: 301

Redemption fee applied when converting from Admiral shares to ETF?

Hi, I'm thinking about calling Vanguard and having them convert my Vanguard Global ex-U.S. Real Estate Index Fund Admiral Shares (VGRLX) to the equivalent Vanguard ETF (VNQI). However, the Admiral shares have a .25% redemption fee. Anyone know if converting those shares to VNQI will result in the re...
by Sue Donim
Fri Sep 07, 2018 8:17 am
Forum: Personal Investments
Topic: I-Bonds, 529s and college expenses of non-dependents
Replies: 11
Views: 1408

Re: I-Bonds, 529s and college expenses of non-dependents

Thanks livesoft. I'm in the 12% tax bracket, so well below the tax exclusion income limit.
Cheers,
Sue
by Sue Donim
Wed Sep 05, 2018 10:03 pm
Forum: Personal Investments
Topic: I-Bonds, 529s and college expenses of non-dependents
Replies: 11
Views: 1408

Re: I-Bonds, 529s and college expenses of non-dependents

Thanks moneyman11. Glad to hear that I'm not the only one doing this. Thanks HueyTD. I intend to stay within the annual gift tax exclusion amount (15,000 for 2018, I believe). There is always the chance that the kids won't want to or won't be able to go to college, so I don't want to overfund those ...
by Sue Donim
Wed Sep 05, 2018 7:52 pm
Forum: Personal Investments
Topic: I-Bonds, 529s and college expenses of non-dependents
Replies: 11
Views: 1408

Re: I-Bonds, 529s and college expenses of non-dependents

HueyLD, that's why I would make my niece the beneficiary of my 529 first. If I went ahead and tried to make my great-nephew the beneficiary directly, he would not fit the definition of my family. But by making my niece the beneficiary first, then he fits the definition for her family. Then the benef...
by Sue Donim
Tue Sep 04, 2018 6:21 am
Forum: Personal Investments
Topic: I-Bonds, 529s and college expenses of non-dependents
Replies: 11
Views: 1408

I-Bonds, 529s and college expenses of non-dependents

Hi All, Longtime lurker, first time poster here. My specifics: 55 y/o Resident of WA state (no state taxes) Unmarried 12% tax bracket Approximately 2 million in assets. 1 million in a 401K at Fidelity, 170K in a Roth at Vanguard and the remainder held in CDs, savings bonds and taxable Vanguard accou...