Search found 913 matches

by Wiggums
Sat Jun 15, 2019 9:49 pm
Forum: Personal Investments
Topic: What do you think about Vanguard Growth Index Fund for a 22-year-old?
Replies: 36
Views: 2925

Re: What do you think about Vanguard Growth Index Fund for a 22-year-old?

Don't get confused and make the mistake of thinking that the word "growth" in a fund name means it will grow faster than other funds. Here are the growth charts of --Vanguard Growth Index (VIGAX, blue) --Vanguard 500 Index (VFIAX, orange) --Vanguard Total Stock Market Index (VTSAX, green) Source ht...
by Wiggums
Sat Jun 15, 2019 9:47 pm
Forum: Personal Investments
Topic: Should I invest 100k into a total index or do it slowly
Replies: 50
Views: 4273

Re: Should I invest 100k into a total index or do it slowly

I would just dump the 100k in all at once. That is what I do with my money. I also make regular contributions like you. DCA does make some people feel better and there is nothing wrong with doing so if that works for you. The market is up about 2/3rds of the time which is why lump sum is statistical...
by Wiggums
Fri Jun 14, 2019 2:28 pm
Forum: Personal Investments
Topic: Max out 401k or TSP
Replies: 20
Views: 977

Re: Max out 401k or TSP

Small Savanna wrote:
Fri Jun 14, 2019 2:14 pm
Do some of both - take full advantage of the employer match on the 401k, and the rest in TSP
+1
by Wiggums
Fri Jun 14, 2019 2:11 pm
Forum: Personal Investments
Topic: My Retirement "Catch Up" plan. Please help/critique.
Replies: 23
Views: 3214

Re: My Retirement "Catch Up" plan. Please help/critique.

OP, There are a ton of good ideas posted by others. I'd encourage you to take their collective advice, especially when it comes to investing in individual stocks. When I was 37, I had far less money in savings than you do, and was not saving anything because I was carrying two houses on one salary....
by Wiggums
Fri Jun 14, 2019 2:04 pm
Forum: Personal Investments
Topic: Purchasing home with less than 20% downpayment experiences?
Replies: 52
Views: 3288

Re: Purchasing home with less than 20% downpayment experiences?

dm200 wrote:
Thu Jun 13, 2019 1:00 pm
Goes back 40 years, but shortly after getting married, bought a house with only about 1-2% down. Got a VA mortgage. Still in the same house - paid about $74,000 and it is now "worth" between $650,000 and $700,000. Not bad :)
Well done...
by Wiggums
Fri Jun 14, 2019 12:51 pm
Forum: Personal Investments
Topic: vanguard Target Date funds to lower ERs??
Replies: 7
Views: 854

Re: vanguard Target Date funds to lower ERs??

CoastalWinds wrote:
Fri Jun 14, 2019 12:07 pm
Hi BHs

I read recently that the Target Retirement Date funds will soon switch to using ETFs as the underlying fund holdings, thereby reducing their ERs. Is this true, and if so, does anyone know when this will happen?

Thank you,
CW
I have not heard this before.
by Wiggums
Fri Jun 14, 2019 12:39 pm
Forum: Personal Investments
Topic: Why are my Vanguard returns suddenly so low?
Replies: 34
Views: 4894

Re: Why are my Vanguard returns suddenly so low?

Are you regularly adding or removing adding money to this account?

What period of time are you talking about?
by Wiggums
Fri Jun 14, 2019 12:27 pm
Forum: Personal Investments
Topic: Investments for Children - equity percentage
Replies: 11
Views: 412

Re: Investments for Children - equity percentage

willthrill81 wrote:
Fri Jun 14, 2019 12:08 pm
For kids, I'd go 100% equities. Just don't open the statements when the market is doing poorly.
+1

Or AA of 80/20 would be ok too. Assuming money is not needed for 10 years.
by Wiggums
Fri Jun 14, 2019 11:15 am
Forum: Personal Investments
Topic: Do Preferred securities let you sleep well at night?
Replies: 26
Views: 2633

Re: Do Preferred securities let you sleep well at night?

I don’t have any preferred stock.
by Wiggums
Wed Jun 12, 2019 8:14 pm
Forum: Personal Investments
Topic: Am I being realistic?
Replies: 9
Views: 1778

Re: Am I being realistic?

Your AA of 80/20 or 75/25 is reasonable. Have you looked at your projected retirement expenses and compared that to your estimated retirement savings?

I agree that you can have this goal but not implement it in 11 years.
by Wiggums
Wed Jun 12, 2019 8:02 pm
Forum: Personal Investments
Topic: VG website gone wonky?
Replies: 9
Views: 980

Re: VG website gone wonky?

I don’t see any issues with the website formatting.
by Wiggums
Wed Jun 12, 2019 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 420
Views: 35935

Re: Why are you NOT buying rental properties?

I like passive investing and spending time with the family much more.
by Wiggums
Wed Jun 12, 2019 7:31 pm
Forum: Personal Investments
Topic: Best HSA account as of June 2019?
Replies: 14
Views: 954

Re: Best HSA account as of June 2019?

If you don't want to use Fidelity index funds for whatever reason, you can also use iShares ETFs commission-free in a Fidelity HSA. If you really want to use Vanguard ETFs for whatever reason, then you can still purchase them and pay a $4.95 trading fee. Since many folks will only hold one fund in ...
by Wiggums
Wed Jun 12, 2019 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: How much is your guys’ fees for your 401k?
Replies: 61
Views: 2449

Re: How much is your guys’ fees for your 401k?

Was $0 Prior to 2009 and then $75/year for past 10 years
by Wiggums
Tue Jun 11, 2019 4:54 pm
Forum: Personal Investments
Topic: How should I craft my portfolio?
Replies: 8
Views: 514

Re: How should I craft my portfolio?

Your plan looks good to me.
by Wiggums
Tue Jun 11, 2019 5:15 am
Forum: Personal Investments
Topic: Bond interest rates
Replies: 9
Views: 1040

Re: Bond interest rates

Bond prices move the opposite direction of interest rates. Because most coupons are fixed and most bonds redeem at par (i.e. $100 per $100 face value of bonds) the value of that fixed promise fluctuates in response to the opportunity to invest in other instruments that might pay a higher yield at t...
by Wiggums
Thu Jun 06, 2019 5:15 am
Forum: Personal Investments
Topic: How would you invest a lump sum of 3 million dollars in today's market?
Replies: 50
Views: 5497

Re: How would you invest a lump sum of 3 million dollars in today's market?

An investment of $3m does not need a large reserve of emergency cash, because the typical dividend yield of 2% will be able to throw off $60k dividend per year. You might want to invest this large sum conservatively just because preserving it could be just as important as obtaining gains from it. A...
by Wiggums
Thu Jun 06, 2019 4:29 am
Forum: Personal Finance (Not Investing)
Topic: Personal Capital Software
Replies: 24
Views: 2103

Re: Personal Capital Software

The Financial Industry Regulatory Authority recently issued a strongly worded warning to investment companies and investors about the dangers of sharing account data with aggregators so consumers can access third-party services. https://www.americanbanker.com/news/is-finras-dire-warning-about-data-a...
by Wiggums
Wed Jun 05, 2019 1:40 pm
Forum: Personal Investments
Topic: What to do with extra cash each month?
Replies: 28
Views: 2458

Re: What to do with extra cash each month?

Maxing out retirement or paying down mortgage both seem like good options to me.

Regarding an emergency, Once you take money from your Roth, you can’t put it back in. I don’t personally like that option.
by Wiggums
Wed Jun 05, 2019 1:15 pm
Forum: Personal Investments
Topic: Fidelity Donor Advised Strategy Feedback Request
Replies: 4
Views: 330

Re: Fidelity Donor Advised Strategy Feedback Request

I would also consider not using a DAF at this time. The minimum fee is $100 annually, so that would be a 2% fee off the top, which is a pretty heavy load to bear. I agree with mchampse on (a) keeping a good part of the money in a money market fund, and (b) putting any "longer-term" amounts that you...
by Wiggums
Wed Jun 05, 2019 1:11 pm
Forum: Personal Investments
Topic: Play Money in Your Portfolio?
Replies: 12
Views: 848

Re: Play Money in Your Portfolio?

No, I don't do it but feel free to do so.
by Wiggums
Wed Jun 05, 2019 9:05 am
Forum: Personal Investments
Topic: How am I doing? (26yo)
Replies: 19
Views: 1810

Re: How am I doing? (26yo)

I agree that your doing great. Keep it up.
by Wiggums
Tue Jun 04, 2019 5:10 pm
Forum: Personal Investments
Topic: Just Got a Call From Fidelity
Replies: 55
Views: 7648

Re: Just Got a Call From Fidelity

Glad to hear that it went well
by Wiggums
Mon Jun 03, 2019 9:33 am
Forum: Personal Investments
Topic: Would you pay off car loan early?
Replies: 46
Views: 2213

Re: Would you pay off car loan early?

That interest rate is pretty low that you could pay or not pay it off. I don’t care for car loans because if the depreciation of the vehicle. I would personally pay it off.

Good luck to you.
by Wiggums
Mon Jun 03, 2019 5:23 am
Forum: Personal Investments
Topic: Techniques for blind investing into a specific fund.
Replies: 3
Views: 319

Re: Techniques for blind investing into a specific fund.

The feature you want makes a lot of sense, but I do not believe that it exists.
by Wiggums
Mon Jun 03, 2019 4:33 am
Forum: Personal Investments
Topic: Kids accounts: Vanguard Total World Stock
Replies: 36
Views: 3389

Re: Kids accounts: Vanguard Total World Stock

I pulled the trigger and placed the orders for VTWAX. Went with the mutual fund rather than the ETF so the entire sum could be invested with no cash left over. Expense ratio difference will be immaterial for now. Just had a great discussion with my kids about this. My 13 year old especially was ver...
by Wiggums
Mon Jun 03, 2019 4:15 am
Forum: Personal Investments
Topic: Tax Deferred Investments vs. Taxable??? What is better?
Replies: 10
Views: 1048

Re: Tax Deferred Investments vs. Taxable??? What is better?

If you use this template, it will help us to provide you with a better answer...

Asking portfolio questions
viewtopic.php?t=6212
by Wiggums
Mon Jun 03, 2019 3:42 am
Forum: Personal Investments
Topic: Techniques for blind investing into a specific fund.
Replies: 3
Views: 319

Re: Techniques for blind investing into a specific fund.

I have an automated rule at fidelity to move a fixed amount from my bank and then invest it the next business day. I’m not sure if you can specify a variable amount. I would call fidelity customer service and ask.
by Wiggums
Mon Jun 03, 2019 3:32 am
Forum: Personal Investments
Topic: Can't do this alone-need a financial planner-please help!
Replies: 17
Views: 3212

Re: Can't do this alone-need a financial planner-please help!

Welcome to the forum. The previous response is a great place to start. If you tell your us more, we can help you. Here is done information on Vanguard PAS https://investor.vanguard.com/advice/personal-advisor One of the nice things about pas is that you can leave at anytime and your funds will still...
by Wiggums
Sun Jun 02, 2019 9:53 am
Forum: Personal Investments
Topic: 31 and needing outsider critique on finances - Correct Format!
Replies: 35
Views: 4020

Re: 31 and needing outsider critique on finances

In reference to my student loans, my current employer pays $50 per month towards the principal... That $50 is taxable. My current payment is $110/month. Would that change your perspective on paying it off? That’s interesting. Yes, I think that does change my mind on paying off the student loan. My ...
by Wiggums
Sun Jun 02, 2019 9:46 am
Forum: Personal Investments
Topic: 31 and needing outsider critique on finances - Correct Format!
Replies: 35
Views: 4020

Re: 31 and needing outsider critique on finances

Consider paying off student loan.
by Wiggums
Sun Jun 02, 2019 9:13 am
Forum: Personal Investments
Topic: wash-sale rule and ETFs
Replies: 17
Views: 1253

Re: wash-sale rule and ETFs

I must be missing something. If you don’t need the money for 5-10 years, why do you want to sell do soon? I assumed it was for several good reasons: 1. No need to have 3 ETFs that are all similar: SPY, IVV, VOO. 2. Take advantage of the losses by tax-loss harvesting. 3. Simplifying portfolio and ge...
by Wiggums
Sun Jun 02, 2019 8:46 am
Forum: Personal Investments
Topic: Generous Grandparents and Child Investment Choices
Replies: 10
Views: 1504

Re: Generous Grandparents and Child Investment Choices

I agree. The tax should not be significant. Most, if not all, will get taxed at the child’s income tax rate.
by Wiggums
Sun Jun 02, 2019 8:30 am
Forum: Personal Investments
Topic: wash-sale rule and ETFs
Replies: 17
Views: 1253

Re: wash-sale rule and ETFs

I must be missing something. If you don’t need the money for 5-10 years, why do you want to sell do soon?
by Wiggums
Sun Jun 02, 2019 8:17 am
Forum: Personal Investments
Topic: Look at my 401k?
Replies: 12
Views: 724

Re: Look at my 401k?

A 1% fee is s drag on your earnings. Also, ask yourself what you get for those fees once the funds are selected? Don’t forget that the ER fees are probably higher too.
by Wiggums
Sun Jun 02, 2019 6:54 am
Forum: Personal Investments
Topic: Intel sell or hold NOW sold.
Replies: 67
Views: 4856

Re: Intel sell or hold

KlangFool wrote:
Sat Jun 01, 2019 10:15 pm

It is about $44 now. You save yourself about ($51 - $44) = $7 X 30K = 210K.

KlangFool
+1
I gave up on individual stocks a long time ago, but I like your response!
by Wiggums
Sun Jun 02, 2019 6:52 am
Forum: Investing - Theory, News & General
Topic: How did you all do in the month of May, 2019
Replies: 125
Views: 9762

Re: How did you all do in the month of May, 2019

I don't know and I don't care. Same as nisiprius on the financial side. Probably down, but who's counting? On the relationship side, attended the wedding of the person who was the maid of honor at our wedding in 1977. She's embarking on her first marriage at age 65, now the bride and no longer the ...
by Wiggums
Sun Jun 02, 2019 6:49 am
Forum: Personal Finance (Not Investing)
Topic: Consulting [How is consulting work done?]
Replies: 12
Views: 1594

Re: Consulting

Maybe they are consulting because no full time employment jobs were available at the time?
by Wiggums
Sun Jun 02, 2019 6:45 am
Forum: Personal Investments
Topic: Do you regret taking a pay cut for quality of life?
Replies: 68
Views: 7356

Re: Do you regret taking a pay cut for quality of life?

I had my pay cut by my employer after an acquisition and I walked off the job. They missed me but I didn’t miss them.
by Wiggums
Sun Jun 02, 2019 6:42 am
Forum: Personal Finance (Not Investing)
Topic: How to get the lowest mortgage rate?
Replies: 29
Views: 3447

Re: How to get the lowest mortgage rate?

gmc4h232 wrote:
Sun Jun 02, 2019 6:40 am
You get the lowest mortgage rate by paying cash.
+1
by Wiggums
Sat Jun 01, 2019 1:51 pm
Forum: Investing - Theory, News & General
Topic: How did you all do in the month of May, 2019
Replies: 125
Views: 9762

Re: How did you all do in the month of May, 2019

I look at my portfolio on the first day of each month. I don’t pay any attention to the short term performance.
by Wiggums
Sat Jun 01, 2019 1:36 pm
Forum: Personal Investments
Topic: UTMA Mutual Funds Disaster!
Replies: 22
Views: 2186

Re: UTMA Mutual Funds Disaster!

The time of year does not matter. As others pointed out, the ER is not a disaster. It’s just a drag on the portfolio.
by Wiggums
Fri May 31, 2019 9:16 pm
Forum: Personal Investments
Topic: Vanguard Index funds
Replies: 8
Views: 1325

Re: Vanguard Index funds

pkcrafter wrote:
Fri May 31, 2019 4:40 pm
Welcome,

Take a look at the 3 fund portfolio,

viewtopic.php?f=10&t=88005

Also, Getting Started,

https://www.bogleheads.org/wiki/Getting_started


Paul
I agree
by Wiggums
Fri May 31, 2019 8:03 pm
Forum: Personal Investments
Topic: Delay Social Security?
Replies: 35
Views: 3341

Re: Delay Social Security?

The Wizard wrote:
Fri May 31, 2019 6:54 pm
Don't delay if you have a serious illness.
And don't delay if you have very modest savings...
+1

There is no one right answer. It really does depending on your retirement portfolio.

Good luck to you...
by Wiggums
Fri May 31, 2019 7:58 pm
Forum: Personal Investments
Topic: New Here..A Couple Simple Questions..Vanguard VTSAX
Replies: 14
Views: 2392

Re: New Here..A Couple Simple Questions..Vanguard VTSAX

I apologize if I missed it, do you know how much you will spend each year in retirement?

You could take your expenses and subtract your other income like pension, rentals, social security, etc and come up with a retirement savings goal that would last all your retirement years.
by Wiggums
Fri May 31, 2019 5:07 pm
Forum: Personal Investments
Topic: Affect on 401K on During Stock Market Downturn When No Longer Contributing
Replies: 6
Views: 783

Re: Affect on 401K on During Stock Market Downturn When No Longer Contributing

I agree. I’m in the same boat if it makes you feel any better.

:sharebeer
by Wiggums
Fri May 31, 2019 2:19 pm
Forum: Personal Investments
Topic: Just Got a Call From Fidelity
Replies: 55
Views: 7648

Re: Just Got a Call From Fidelity

I've been a Fidelity Private Client for years. Whenever my Private Client Personal Manager changes, I've received a voicemail. I actually met one of the dozen or so managers I've had. I happened to be at their branch trying to make heads or tails of a New York Life 403b we were trying to move into ...
by Wiggums
Fri May 31, 2019 7:33 am
Forum: Personal Investments
Topic: Retirement plan [Pension lump sum or annuity?]
Replies: 23
Views: 1501

Re: Retirement plan [Pension lump sum or annuity?]

(I have had a fidelity guy suggest adding dividend funds as his opinion was that we are entering a declining market cycle. He felt that would be a defensive strategy VS a total stock market index fund.) I wonder how that works in a declining market and company like kraft Heinz that has a 4.9% divid...