Search found 7 matches

by TomatoKetchup
Fri Mar 29, 2019 12:18 pm
Forum: Personal Investments
Topic: Direct the portfolio for a 529 Savings Plan
Replies: 3
Views: 167

Direct the portfolio for a 529 Savings Plan

I have a USAA 529 Savings Plan, and have been given only a series of options for balancing the portfolio such as “conservative,” “aggressive” etc. There’s no transparency into the portfolio or fees. Are there other places that I can store that plan where I can self direct the investment? (I will be ...
by TomatoKetchup
Sun Mar 17, 2019 9:23 am
Forum: Personal Investments
Topic: Learning asset allocation for a new investor: USATX Expense ratio and bonds?
Replies: 5
Views: 349

Re: Learning asset allocation for a new investor: USATX Expense ratio and bonds?

I have a joint survivor brokerage account at USAA intended to be long term retirement investing and our emergency source of funds in the event of the death of one of us and it’s not intended for use otherwise. It’s taxable. I think I’ll use that account to hold the muni fund in, and looks like my or...
by TomatoKetchup
Sat Mar 16, 2019 2:46 pm
Forum: Personal Investments
Topic: Learning asset allocation for a new investor: USATX Expense ratio and bonds?
Replies: 5
Views: 349

Learning asset allocation for a new investor: USATX Expense ratio and bonds?

I'm at USAA, and for my TIRA (or any of my accounts), I have no bond allocation, which I am starting to understand isn't the best way to go as I learn asset allocation. I have almost everything in ETFs and MFs, and I'm gradually migrating individual accounts to the correct placement for long-term (1...
by TomatoKetchup
Sat Mar 16, 2019 2:39 pm
Forum: Personal Investments
Topic: Difference between ETFs/MFs that throw off income and those which recapitalize
Replies: 8
Views: 765

Re: Difference between ETFs/MFs that throw off income and those which recapitalize

[/quote] I recommend " The Bogleheads' Guide to Investing " to get a good grasp of the basics. Then take a look at Mr. Bogle's " Little Book of Common-Sense Investing ". To get an idea of the best way to minimize taxes, you might check out the wiki's page on tax-efficient fund placement . [/quote] T...
by TomatoKetchup
Fri Mar 15, 2019 8:12 am
Forum: Personal Investments
Topic: Difference between ETFs/MFs that throw off income and those which recapitalize
Replies: 8
Views: 765

Re: Difference between ETFs/MFs that throw off income and those which recapitalize

I recommend " The Bogleheads' Guide to Investing " to get a good grasp of the basics. Then take a look at Mr. Bogle's " Little Book of Common-Sense Investing ". To get an idea of the best way to minimize taxes, you might check out the wiki's page on tax-efficient fund placement . Feel free to come ...
by TomatoKetchup
Thu Mar 14, 2019 11:04 pm
Forum: Personal Investments
Topic: Difference between ETFs/MFs that throw off income and those which recapitalize
Replies: 8
Views: 765

Re: Difference between ETFs/MFs that throw off income and those which recapitalize

Interesting. So no matter what, all the ETFs and MFs our of Vanguard, etc, will have dividends? This will be the first year I have had investments so I’m not sure what the tax consequences are but know I want to reduce my taxable income as much as possible.
by TomatoKetchup
Thu Mar 14, 2019 9:12 am
Forum: Personal Investments
Topic: Difference between ETFs/MFs that throw off income and those which recapitalize
Replies: 8
Views: 765

Difference between ETFs/MFs that throw off income and those which recapitalize

Greetings, all, I am very new to investing, and find myself in the fortunate position that I can max my retirement accounts and also invest. I have a salary large enough to live on, and I would prefer to recapitalize any dividends currently on my funds. I do not know the difference between funds. I ...