Search found 743 matches

by Ferdinand2014
Tue Nov 12, 2019 10:13 am
Forum: Personal Investments
Topic: Investing $140k in cash at 1k per week
Replies: 115
Views: 6053

Re: Investing $140k in cash at 1k per week

Hello :happy I have $140k in high yield saving accounts (FDIC insured) that pays me %2 - %2.20 in annual interest. My plan is to is transfer $1000 from my saving account to my brokerage account and buy $1000 worth of VTI every week . At this rate, it would take a bit more than 2.5 years to invest a...
by Ferdinand2014
Mon Nov 11, 2019 9:08 pm
Forum: Personal Investments
Topic: Investing $140k in cash at 1k per week
Replies: 115
Views: 6053

Re: Investing $140k in cash at 1k per week

Hello :happy I have $140k in high yield saving accounts (FDIC insured) that pays me %2 - %2.20 in annual interest. My plan is to is transfer $1000 from my saving account to my brokerage account and buy $1000 worth of VTI every week . At this rate, it would take a bit more than 2.5 years to invest a...
by Ferdinand2014
Mon Nov 11, 2019 1:05 am
Forum: Personal Investments
Topic: Is it a good time to transfer my inflation protected securities balance to the S&P 500
Replies: 20
Views: 1546

Re: Is it a good time to transfer my inflation protected securities balance to the S&P 500

See screenshot. I have only 30k saved for retirement at age 51. House is only half paid for. I wondered if it is better to check the S&P Daily then chose a day where the percent is lowered to do the rollover? No, I would never do that. What would you do? Determine your asset allocation then invest ...
by Ferdinand2014
Sun Nov 10, 2019 11:35 pm
Forum: Investing - Theory, News & General
Topic: Asset allocation question
Replies: 8
Views: 727

Re: Asset allocation question

I’m 37, married, no kids, and do not expect to have any. I max out all tax advantages accounts, own rental real estate that’s doing well, and can count on a comfortable government pension at 50. Aside from panic selling, what risk is there in being 100 percent in equities? Would an 80/20 split deli...
by Ferdinand2014
Sun Nov 10, 2019 12:28 am
Forum: Investing - Theory, News & General
Topic: VTWAX/VTWSX availability at Fidelity
Replies: 17
Views: 1808

Re: VTWAX/VTWSX availability at Fidelity

yogesh wrote:
Sat Nov 09, 2019 5:58 pm
Anyone here with VTWSX or VTWAX holding at Fidelity? One taxable account popped up and we prefer mutual funds over ETFs and I was looking for a broad diversified world index fund at Fidelity.
Not available. VT is your VTWAX option free of fees.
by Ferdinand2014
Sat Nov 09, 2019 10:24 am
Forum: Non-US Investing
Topic: S&P500 52 week high, Hold, DCA, or Invest lump sums
Replies: 13
Views: 987

Re: S&P500 52 week high, Hold, DCA, or Invest lump sums

Hi, I seek some guidance from more experienced investors around investing lump sums in these times. I understand that as Bogleheads we are not trying to time the market. Noticing the trends where S&P500 seems be hitting new highs, is this potentially "a more risky" time to invest than other times? ...
by Ferdinand2014
Sat Nov 09, 2019 9:52 am
Forum: Personal Investments
Topic: Suggestions for cash or cash equivalent positions?
Replies: 21
Views: 1262

Re: Suggestions for cash or cash equivalent positions?

Hi BHs, Can anyone suggest best places to park $20-30k "cash" for an emergency fund? My wife and I have been sitting on this much in a Schwab savings account, which earns essentially nothing (0.23%). We could be doing better in other vehicles, but I have no experience with CDs and MMs. I understand...
by Ferdinand2014
Sat Nov 09, 2019 12:35 am
Forum: Personal Investments
Topic: Suggestions for cash or cash equivalent positions?
Replies: 21
Views: 1262

Re: Suggestions for cash or cash equivalent positions?

Hi BHs, Can anyone suggest best places to park $20-30k "cash" for an emergency fund? My wife and I have been sitting on this much in a Schwab savings account, which earns essentially nothing (0.23%). We could be doing better in other vehicles, but I have no experience with CDs and MMs. I understand...
by Ferdinand2014
Fri Nov 08, 2019 10:08 am
Forum: Investing - Theory, News & General
Topic: How often should someone rebalance?
Replies: 43
Views: 3054

Re: How often should someone rebalance?

I’m Using a 3 fund portfolio. And over the last few years I rebalance twice per year. These dates are set, and are unrelated to which day the market is up or down. Is twice per year too often or too few times per year to rebalance? I’m sure the data varies on this topic but what do the smart people...
by Ferdinand2014
Fri Nov 08, 2019 4:57 am
Forum: Investing - Theory, News & General
Topic: How often should someone rebalance?
Replies: 43
Views: 3054

Re: How often should someone rebalance?

I’m Using a 3 fund portfolio. And over the last few years I rebalance twice per year. These dates are set, and are unrelated to which day the market is up or down. Is twice per year too often or too few times per year to rebalance? I’m sure the data varies on this topic but what do the smart people...
by Ferdinand2014
Thu Nov 07, 2019 10:12 am
Forum: Personal Investments
Topic: Holding bonds vs 100% equities
Replies: 304
Views: 18295

Re: Holding bonds vs 100% equities

Why does Vanguard Target Retirement 2040 Fund have 83.3/16.7 instead of 70/30 ? https://investor.vanguard.com/mutual-funds/profile/portfolio/vforx Because it is on a glide path. It will become more conservative then a 70/30 into retirement. The result is the same. “ Target-date funds follow a very ...
by Ferdinand2014
Mon Nov 04, 2019 5:47 am
Forum: Investing - Theory, News & General
Topic: Article on Dividends (J Clements)
Replies: 29
Views: 3030

Re: Article on Dividends (J Clements)

Tell that to Warren Buffet. Absent taxes and the impact of the decision on buyback vs dividend itself, buybacks have the same impact as dividends on the company's value regardless of the stocks valuation relative to intrinsic value. Assuming no taxes and no impact of management's decision on buybac...
by Ferdinand2014
Sun Nov 03, 2019 8:47 pm
Forum: Personal Investments
Topic: FNILX vs FSKAX
Replies: 9
Views: 796

Re: FNILX vs FSKAX

It is a taxable account. I am in the United States and I don't plan to transfer any of those funds. The difference will likely be small. I suspect FNILX will almost exactly track the S&P 500 index because it is about 99% the same. Likewise I suspect it will track a total stock market index like FSK...
by Ferdinand2014
Sun Nov 03, 2019 7:01 pm
Forum: Investing - Theory, News & General
Topic: Article on Dividends (J Clements)
Replies: 29
Views: 3030

Re: Article on Dividends (J Clements)

The article says that Microsoft’s best days are behind it. What a joke. As for buybacks, everyone keeps saying they are a way of returning value to stockholders. I disagree. If I dont sell, I am not getting any value. I understand the argument that buybacks MIGHT increase market price. But they mig...
by Ferdinand2014
Sun Nov 03, 2019 4:14 pm
Forum: Investing - Theory, News & General
Topic: Article on Dividends (J Clements)
Replies: 29
Views: 3030

Re: Article on Dividends (J Clements)

The article says that Microsoft’s best days are behind it. What a joke. As for buybacks, everyone keeps saying they are a way of returning value to stockholders. I disagree. If I dont sell, I am not getting any value. I understand the argument that buybacks MIGHT increase market price. But they mig...
by Ferdinand2014
Sun Nov 03, 2019 1:24 pm
Forum: Investing - Theory, News & General
Topic: Article on Dividends (J Clements)
Replies: 29
Views: 3030

Re: Article on Dividends (J Clements)

The article says that Microsoft’s best days are behind it. What a joke. As for buybacks, everyone keeps saying they are a way of returning value to stockholders. I disagree. If I dont sell, I am not getting any value. I understand the argument that buybacks MIGHT increase market price. But they mig...
by Ferdinand2014
Sun Nov 03, 2019 1:12 pm
Forum: Investing - Theory, News & General
Topic: Article on Dividends (J Clements)
Replies: 29
Views: 3030

Re: Article on Dividends (J Clements)

FTSE All World vs FTSE All World "High Dividend" https://i.postimg.cc/Zq08ZZk4/World.png These things wax and wane over time, but I don't see any extra value being returned based on dividends. Vanguard's Equity Income fund (a conservative dividend focused active fund) vs. Vanguard 500 Fund https://...
by Ferdinand2014
Sun Nov 03, 2019 8:06 am
Forum: Investing - Theory, News & General
Topic: Article on Dividends (J Clements)
Replies: 29
Views: 3030

Re: Article on Dividends (J Clements)

Buying and holding an S&P 500 index fund for a lifetime and reinvesting its dividends, you are taking money from dividend paying companies and buying more shares of all companies including those without dividends - like Amazon. Dividends are neither good nor bad. It is simply one way a public compan...
by Ferdinand2014
Fri Nov 01, 2019 12:36 pm
Forum: Personal Investments
Topic: Entire retirement portfolio moving (involuntarily) to Fidelity
Replies: 13
Views: 1163

Re: Entire retirement portfolio moving (involuntarily) to Fidelity

So, DW's employer decided a few months ago to switch their 401k management to Fidelity. Interestingly, my employer announced recently that they, too, would be switching to Fido starting in mid-2020. These two accounts constitute our entire retirement nestegg (about 65% of net worth). Unfortunately,...
by Ferdinand2014
Thu Oct 31, 2019 8:24 pm
Forum: Personal Investments
Topic: Worried I am getting addicted to individual stocks.
Replies: 113
Views: 7323

Re: Worried I am getting addicted to individual stocks.

Greetings, I'm a long time lurker who has spent many a night perusing this site. I finally signed up as a member, and 7 months later, I am making my first post. I'd like to get the group's opinion on my investment strategy and whether or not I am embarking on a slippery slope (or if I'm already sli...
by Ferdinand2014
Thu Oct 31, 2019 11:43 am
Forum: Personal Investments
Topic: opinion, IA upset moving assets to Vanguard
Replies: 26
Views: 1932

Re: opinion, IA upset moving assets to Vanguard

Hi Folks, I've spent a lot of time this year reading Boglehead books (John Bogle, Taylor Larimore, JL Collins). It's one thing to read good advice in these books - but stressful to actually act upon it. So I recently initiated two IRA in kind transfers to Vanguard. My IA has had all my investments ...
by Ferdinand2014
Tue Oct 29, 2019 8:48 pm
Forum: Investing - Theory, News & General
Topic: Isn't lack of transparency in China a huge risk for international stock index?
Replies: 132
Views: 11716

Re: Isn't lack of transparency in China a huge risk for international stock index?

Really glad I'm not the only one concerned about this. So far I've only invested into US stock/bond market index funds because Vanguard's international stock market fund includes China. Would be interested in buying into international stock market index funds that include countries like Japan, UK, ...
by Ferdinand2014
Tue Oct 29, 2019 7:34 pm
Forum: Investing - Theory, News & General
Topic: Please help me understand FFNOX's semi-annual report
Replies: 3
Views: 278

Re: Please help me understand FFNOX's semi-annual report

According to the latest semi-annual report for Fidelity Four-in-One fund, in the 6 month period ending 8/31/19: 1. "Total return" is 4.24% (not annualized). This does not take into account expenses. I understand this. 2. "Expenses before reductions" is .10%. "Expenses net of fee waivers, if any", a...
by Ferdinand2014
Tue Oct 29, 2019 7:23 pm
Forum: Personal Investments
Topic: Emergency fund part of Asset Allocation?
Replies: 20
Views: 1311

Re: Emergency fund part of Asset Allocation?

I do not have an asset allocation (as a percent) and by extension do not rebalance. I have X dollars in treasury bills enough to sleep well and everything else in an S&P 500 index fund. The sleep well is 1 year of expenses if both my wife and I can't work, or 2 years if only 1 can work and an additi...
by Ferdinand2014
Tue Oct 29, 2019 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity taxable: which is better - ETF or Mutual Fund?
Replies: 31
Views: 2344

Re: Fidelity taxable: which is better - ETF or Mutual Fund?

So, one thing that I have not seen mentioned (and which was a surprise to me) is that when selling a portion of your mutual fund holdings, IRS rules dictate that the basis must be the average price of all shares. I have never heard this before (not saying it isn’t true). Where did you see this? Fid...
by Ferdinand2014
Mon Oct 28, 2019 10:33 pm
Forum: Personal Investments
Topic: Please Advise on Retirement Portfolio
Replies: 20
Views: 2199

Re: Please Advise on Retirement Portfolio

+1 on Duckie’s suggested portfolio. Fidelity’s US Total Stock Market Fund (FSKAX) and S&P 500 fund (FXAIX) are less tax efficient in a Taxable account than similar Vanguard funds (VTSAX and VFIAX). The Fidelity funds distributed short-term capital gains (Vanguard funds have not) for the last couple...
by Ferdinand2014
Mon Oct 28, 2019 9:23 am
Forum: Investing - Theory, News & General
Topic: Four International ETFs that are better diversifiers than VXUS
Replies: 54
Views: 5223

Re: Four International ETFs that are better diversifiers than VXUS

That might be your default. It’s not everyone’s. You're right. My default is VT. Can you explain why it shouldn't be? Because research has shown that market cap weighting is literally the worst way to invest. If you create portfolio of 30 stocks chosen at random from the universe of stocks, 96% of ...
by Ferdinand2014
Mon Oct 28, 2019 7:41 am
Forum: Investing - Theory, News & General
Topic: Four International ETFs that are better diversifiers than VXUS
Replies: 54
Views: 5223

Re: Four International ETFs that are better diversifiers than VXUS

By default, you want market cap weighting. That might be your default. It’s not everyone’s. You're right. My default is VT. Can you explain why it shouldn't be? Because research has shown that market cap weighting is literally the worst way to invest. If you create portfolio of 30 stocks chosen at ...
by Ferdinand2014
Sun Oct 27, 2019 9:50 pm
Forum: Investing - Theory, News & General
Topic: Four International ETFs that are better diversifiers than VXUS
Replies: 54
Views: 5223

Re: Four International ETFs that are better diversifiers than VXUS

I thought it would be interesting to make a short list of international ETFs that are especially good diversifiers for a balanced portfolio that is otherwise US-centric (e.g. 60/40 Vanguard Total Stock Market ETF & Vanguard Total Bond Market). After analyzing about 100 ETFs, looking for funds that ...
by Ferdinand2014
Sun Oct 27, 2019 9:43 pm
Forum: Personal Investments
Topic: VFIAX vs FXAIX vs SWPPX?
Replies: 11
Views: 695

Re: VFIAX vs FXAIX vs SWPPX?

retention vs total return of S&P 500 over 10 years with distributions of dividends, without sale of fund shares. 95.7% FXAIX 12.67/13.24 96.0% VFIAX 12.73/13.24 This works out to $300 in dividend taxes difference for every $100,000 invested in taxable account (give or take a Starbucks coffee) over ...
by Ferdinand2014
Sun Oct 27, 2019 8:49 pm
Forum: Personal Investments
Topic: VFIAX vs FXAIX vs SWPPX?
Replies: 11
Views: 695

Re: VFIAX vs FXAIX vs SWPPX?

retention vs total return of S&P 500 over 10 years with distributions of dividends, without sale of fund shares. 95.7% FXAIX 12.67/13.24 96.0% VFIAX 12.73/13.24 This works out to $300 in dividend taxes difference for every $100,000 invested in taxable account (give or take a Starbucks coffee) over 1...
by Ferdinand2014
Sun Oct 27, 2019 6:36 pm
Forum: Personal Investments
Topic: VFIAX vs FXAIX vs SWPPX?
Replies: 11
Views: 695

Re: VFIAX vs FXAIX vs SWPPX?

SP500 index funds: VFIAX (Vanguard) vs FXAIX (Fidelity) vs SWPPX (Schwab) are nearly identical in returns, but slightly different costs. I read somewhere on here that Vanguard might be more tax efficient compared to Fidelity with regards to distribution of capital gains? FXAIX ER 0.015 VFIAX ER 0.0...
by Ferdinand2014
Sun Oct 27, 2019 2:00 pm
Forum: Personal Investments
Topic: Asset Allocation
Replies: 22
Views: 1367

Re: Asset Allocation

Thanks I'm feeling better about having it as my sole pick for my stock allocation. What % of your portfolio do you hold in it if you dont mind saying. Thanks 95% currently. I am in accumulation phase. I do not however have an asset allocation nor do I rebalance. I keep X dollars = 2 years of emerge...
by Ferdinand2014
Sun Oct 27, 2019 1:44 pm
Forum: Personal Investments
Topic: Asset Allocation
Replies: 22
Views: 1367

Re: Asset Allocation

Sorry for the confusion. I am looking to get to a 30/70 allocation. Currently have: 350k in a stable value fund in one 401k 400k in another 401k divided accordingly: 35% in fidelity fxaix 35% in fidelity fxnan bond index 30% in fidelity money market Would like to be able to safely withdraw 3.5% to ...
by Ferdinand2014
Sun Oct 27, 2019 11:59 am
Forum: Personal Investments
Topic: Asset Allocation
Replies: 22
Views: 1367

Re: Asset Allocation

I am getting close to retirement and would like some opinions on my choices. I'm 61 hoping to retire next year. I am conservative and would like to be at a 30/50/20 allocation. I'm not a big picker and want to keep it simple. I would like to use the fidelity fxaix 500 index fund as my sole source f...
by Ferdinand2014
Sun Oct 27, 2019 9:02 am
Forum: Personal Investments
Topic: Best place to park money to be used in 3 years.
Replies: 10
Views: 1646

Re: Best place to park money to be used in 3 years.

My wife and I will be retiring in 3 years both from public service careers with reliable pensions. She will be 55 and I will be 57. We will use her 403b (current value $220000) over the next 7 years to provide extra income until we claim SS (at ages 62 and 64). We have reached the goal I had in min...
by Ferdinand2014
Sun Oct 27, 2019 7:12 am
Forum: Personal Investments
Topic: Please Advise on Retirement Portfolio
Replies: 20
Views: 2199

Re: Please Advise on Retirement Portfolio

Small potatoes, but you should consider dumping FTBFX and rolling it into FXNAX at least in the IRA/Roth accounts. FTBFX is higher fee active managed bond fund and FXNAX is super low fee index version. If you really like FFNOX (Fidelity four in one fund) (60 U.S. equities, 25% developed internationa...
by Ferdinand2014
Sat Oct 26, 2019 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: How much does a "good school district" matter?
Replies: 76
Views: 6589

Re: How much does a "good school district" matter?

The student, parents and home environment matter the most. Everything else is noise. I have attended both public schools and a private school (my last 2 years of high school). It all boiled down to how hard I was willing to work and how much my parents supported me. Private school is a waste of mone...
by Ferdinand2014
Sat Oct 26, 2019 2:22 pm
Forum: Personal Investments
Topic: Best Single Entity for Investments + Cash + Banking
Replies: 39
Views: 3214

Re: Best Single Entity for Investments + Cash + Banking

Vanguard really doesn't offer much in the way of "banking" features, but they have great index funds and probably the best money market fund. My work 401k is administered by Fidelity, so if I really wanted to consolidate to one, that would be where I had to go... despite that, I really am happy wit...
by Ferdinand2014
Sat Oct 26, 2019 2:19 pm
Forum: Personal Investments
Topic: Best Single Entity for Investments + Cash + Banking
Replies: 39
Views: 3214

Re: Best Single Entity for Investments + Cash + Banking

I'd like to simplify and hold all my accounts with one entity: ETF's, Stocks, cash reserves, plus do my banking with that same entity, bill pay, auto deposit from W2 job, etc. If I get hit by a bus (as they say), wife can log into 1 place and have easy access to it all; plus easier reconciliation a...
by Ferdinand2014
Sat Oct 26, 2019 2:08 pm
Forum: Personal Investments
Topic: Do You Pay For Financial Advice?
Replies: 76
Views: 4311

Re: Do You Pay For Financial Advice?

So I'm in alignment with the Bogle philosophies regarding index investing and simple portfolios. However, still curious after all the research and real-life experiences... Do you pay for financial advice? Yes, fee only Yes, AUM via Robo Advisor Yes, AUM via real person financial advisor, CPA or oth...
by Ferdinand2014
Sat Oct 26, 2019 2:01 pm
Forum: Investing - Theory, News & General
Topic: ETF Education vs Marketing from Vanguard
Replies: 14
Views: 928

Re: ETF Education vs Marketing from Vanguard

That is happening to me also... along with constant ads for PAS. Almost makes me want to change to a different company, but I assume Fidelity or Schwab would be the same or worse. I just delete the emails and toss the mailers..... I never get a single unsolicited email, phone call or mailing from F...
by Ferdinand2014
Fri Oct 25, 2019 6:46 pm
Forum: Investing - Theory, News & General
Topic: Stock market index investing - problem of induction?
Replies: 41
Views: 3598

Re: Stock market index investing - problem of induction?

i invest in index funds because its the cheapest, easiest way for me to be a 'part-owner' of thousands of publicly traded companies. i have no special edge in picking this or that company (though i believe others CAN and DO have such an edge), so index funds are the way to go. the main problem with...
by Ferdinand2014
Fri Oct 25, 2019 6:24 pm
Forum: Investing - Theory, News & General
Topic: Stock market index investing - problem of induction?
Replies: 41
Views: 3598

Re: Stock market index investing - problem of induction?

Musings on a Friday afternoon as I prepare to make my monthly allocation to SWTSX. If our complete view on the market is based on only our observation of prior performance, why is investing in low cost market index trackers touted as the best way to invest? Isn’t looking at the VSTAX/SWTSX performa...
by Ferdinand2014
Fri Oct 25, 2019 6:13 pm
Forum: Investing - Theory, News & General
Topic: How to sub-divide the Europe and Asia allocations
Replies: 14
Views: 646

Re: How to sub-divide the Europe and Asia allocations

Why not simply buy VXUS ? Then the asset allocation would swing between the regions. I.e. in the late 80s, Japan was dominating the global stock markets. Pacific Rim stocks by market cap accounted for 70% of developed markets, and Europe only 30%. Then as we know, it crashed and burned, until at th...
by Ferdinand2014
Fri Oct 25, 2019 5:57 pm
Forum: Investing - Theory, News & General
Topic: How to sub-divide the Europe and Asia allocations
Replies: 14
Views: 646

Re: How to sub-divide the Europe and Asia allocations

The costs of bid/ask, premium/discount, expense ratio and transactional costs (higher turnover for those individual funds to stay within a narrow focus) -due to small asset under management funds with limited trading on the open market (assuming you need to look at ETF's) relative to a total interna...
by Ferdinand2014
Thu Oct 24, 2019 7:20 pm
Forum: Investing - Theory, News & General
Topic: “Managing” our AsseT Allocation
Replies: 11
Views: 741

Re: “Managing” our AsseT Allocation

I do not believe in an asset allocation (as a percent ratio) nor rebalancing. I believe you should have X dollars in safe assets such as T-Bills or TIPS ladder as your - cannot risk - must have - investment. The rest should go into equities as a total U.S equity fund (TSM or S&P 500) or total world ...
by Ferdinand2014
Thu Oct 24, 2019 11:34 am
Forum: Personal Investments
Topic: Fido Customer - Fidelity Total Market vs Vanguard Total Market
Replies: 28
Views: 1784

Re: Fido Customer - Fidelity Total Market vs Vanguard Total Market

I have been a Fido customer for about 4 years now with no plans to switch. With some changes however to their trading costs I want to get some opinions moving forward. I have 2 accounts with them (Taxable & Roth IRA) 24% tax bracket Taxable I hold a good amount and mixture of the below Fidelity Tot...
by Ferdinand2014
Thu Oct 24, 2019 6:52 am
Forum: Investing - Theory, News & General
Topic: Fidelity 529 - Which one?
Replies: 3
Views: 549

Re: Fidelity 529 - Which one?

I use the NH 529. I use S&P 500, Intermediate treasury, international and money market. However, the easiest is to use age based portfolio - (Fidelity index). expense ratio .12-.14.