Search found 2466 matches

by retired@50
Sun May 24, 2020 11:43 pm
Forum: Personal Investments
Topic: Taxable instead of tax deferred
Replies: 3
Views: 156

Re: Taxable instead of tax deferred

You could always change the allocation to hold more bonds in tax-deferred accounts. Assuming you're going to just hold stock funds in the taxable space. By buying more bonds over the years, you'll slow down the growth of the tax-deferred accounts.

Regards,
by retired@50
Sun May 24, 2020 11:34 pm
Forum: Personal Investments
Topic: Portfolio review: rental condo, AMT, ISOs, target date funds
Replies: 6
Views: 338

Re: Portfolio review: rental condo, AMT, ISOs, target date funds

Thanks for the replies. retired@50: Since target date funds hold bonds, using them in a taxable account or a Roth account is not optimal. Interesting. I'd been aware of the bonds being suboptimal in taxable accounts because they generate taxable income. Reading your comment, I surmise that bonds ar...
by retired@50
Sun May 24, 2020 8:34 pm
Forum: Personal Investments
Topic: Question about Edward Jones disapproval
Replies: 23
Views: 1471

Re: Question about Edward Jones disapproval

Thanks all for the advice. We work in a field where it's difficult not to get pretty close with our coworkers, so he and I are on very good terms and I know he wouldn't mind at all if I gave him advice. My uncertainty was in part just not being sure if he would take any of my advice to heart. I'll ...
by retired@50
Sun May 24, 2020 7:45 pm
Forum: Personal Investments
Topic: Thinking of selling some SP 500 to buy more Wells Fargo
Replies: 65
Views: 3730

Re: Thinking of selling some SP 500 to buy more Wells Fargo

hoops777 wrote:
Sun May 24, 2020 5:57 pm

Listened to an hour long podcast a couple weeks ago or so and the head of a 50 year old fund that has beaten the SP 500 the last 50 years mentioned banks.
Who is the person?

What is the fund?

Regards,
by retired@50
Sun May 24, 2020 5:43 pm
Forum: Personal Investments
Topic: etrade fees on vanguard funds
Replies: 13
Views: 418

Re: etrade fees on vanguard funds

Something looks fishy... in the original post the "Administration" fees are higher than the the Net Expense Ratio for VTSAX and VBTLX. What gives? Typos? I'm not sure where OP is seeing that. Here are the E*TRADE pages for VTSAX and VBTLX. I'm not seeing what OP posted on those fees. https://www.et...
by retired@50
Sun May 24, 2020 5:34 pm
Forum: Personal Investments
Topic: Question about Edward Jones disapproval
Replies: 23
Views: 1471

Re: Question about Edward Jones disapproval

Thanks all for the advice. We work in a field where it's difficult not to get pretty close with our coworkers, so he and I are on very good terms and I know he wouldn't mind at all if I gave him advice. My uncertainty was in part just not being sure if he would take any of my advice to heart. I'll ...
by retired@50
Sun May 24, 2020 5:31 pm
Forum: Personal Investments
Topic: Father's Trust: Simplify Morgan Stanley Portfolio?
Replies: 10
Views: 538

Re: Father's Trust: Simplify Morgan Stanley Portfolio?

Becoming a co-trustee should be adequate, assuming your father has no objections to moving the account.

Regards,
by retired@50
Sun May 24, 2020 5:22 pm
Forum: Personal Investments
Topic: Why Vanguard Seems to Be Pushing Us Towards ETFs?
Replies: 17
Views: 1474

Re: Why Vanguard Seems to Be Pushing Us Towards ETFs?

But Vanguard also has many funds for which there is no ETF share class. Why is that, by the way? If ETFs are easier and cheaper for them to administer, why don't they add ETF share classes to all of their mutual funds? Because ETFs require 100% transparency with regard to holdings. Many (if not all...
by retired@50
Sun May 24, 2020 5:17 pm
Forum: Personal Investments
Topic: When to start investing again?
Replies: 11
Views: 950

Re: When to start investing again?

In January, I moved 350K of my small $500K nest egg to cash. I missed out on the subsequent highs of Feb 2020 and the buying opportunity in March 2020. Of the 150K, 50K is invested in Fidelity sector mutual funds, and the rest in around 5 - 6 shares each of blue chip & health care stocks. I am now ...
by retired@50
Sun May 24, 2020 5:14 pm
Forum: Personal Investments
Topic: etrade fees on vanguard funds
Replies: 13
Views: 418

Re: etrade fees on vanguard funds

I'd suggest you contact E*Trade to get to the bottom of it. Evidently, they are adding on fees in addition to the expense ratios. The expense ratio is the annual fee that all funds or exchange-traded funds charge their shareholders. It expresses the percentage of assets deducted each fiscal year fo...
by retired@50
Sun May 24, 2020 3:06 pm
Forum: Personal Investments
Topic: etrade fees on vanguard funds
Replies: 13
Views: 418

Re: etrade fees on vanguard funds

hello! i was looking at the Fees/Expenses tab for funds at etrade and became confused. thanks in advance! I'd suggest you contact E*Trade to get to the bottom of it. Evidently, they are adding on fees in addition to the expense ratios. Perhaps switching to ETFs... You should probably check with E*T...
by retired@50
Sun May 24, 2020 2:17 pm
Forum: Personal Investments
Topic: Has anyone ever used their Emergency Fund?
Replies: 79
Views: 5371

Re: Has anyone ever used their Emergency Fund?

We used our full emergency fund in March. Couldn't sleep well with the money just sitting there, invested every penny into the market. Sleeping like a baby now. Got $150 in my checking account for groceries. Very LCOL area. Young, no kids or mortgage your mileage may vary. Evidently is was your "dr...
by retired@50
Sun May 24, 2020 1:55 pm
Forum: Personal Investments
Topic: One Fidelity Fund Only - Possible?
Replies: 13
Views: 1247

Re: One Fidelity Fund Only - Possible?

Although using my prescribed AA to a few of the suggested index funds may be okay and I can try to make myself re-balance the allocations periodically - MAYBE! Is rebalancing at the end of each quarter sufficient ? Just do it on the specified date regardless of what the market is doing that day or ...
by retired@50
Sun May 24, 2020 12:51 pm
Forum: Personal Investments
Topic: Why Vanguard Seems to Be Pushing Us Towards ETFs?
Replies: 17
Views: 1474

Re: Why Vanguard Seems to Be Pushing Us Towards ETFs?

Maybe they think that helping clients save 1 or 2 basis points on trillions of dollars is smart?

Regards,
by retired@50
Sun May 24, 2020 11:41 am
Forum: Personal Investments
Topic: Please help with a strategy
Replies: 5
Views: 278

Re: Please help with a strategy

Thank you for your help. I am 60 years old in a desperate need for a good strategy to invest my retirement accounts. I have 410K with Fidelity with fixed cash 60K with same with fixed cash with TD. 400K saving account in getting less than 1 % return I know it is a disaster. What would you if you we...
by retired@50
Sun May 24, 2020 10:27 am
Forum: Personal Investments
Topic: Two bond funds, same index, vastly different maturities
Replies: 9
Views: 755

Re: Two bond funds, same index, vastly different maturities

The iShares National Muni Bond Fund (MUB) and the Vanguard Tax-Exempt Bond (VTEB) both track the same index (Standard & Poor’s National AMT-Free Municipal Bond Index). As expected, their durations are fairly close (MUB is 6.2, VTEB is 5.6). How then is it possible that their average maturities are ...
by retired@50
Sun May 24, 2020 10:13 am
Forum: Personal Investments
Topic: Father's Trust: Simplify Morgan Stanley Portfolio?
Replies: 10
Views: 538

Re: Father's Trust: Simplify Morgan Stanley Portfolio?

Are you looking to just simplify the holdings and keep the account at Morgan Stanley?

Or, do you want to move the account away from Morgan Stanley, then simplify?

Regards,
by retired@50
Sun May 24, 2020 9:33 am
Forum: Personal Investments
Topic: Father's Trust: Simplify Morgan Stanley Portfolio?
Replies: 10
Views: 538

Re: Father's Trust: Simplify Morgan Stanley Portfolio?

My father is 94 yo. He has everything in a Living Trust where I am the successor trustee. 2/3s for his money (~ $500 k) is in a stock portfolio managed by Morgan Stanley. It is a combination of Stocks, Bonds & Mutual funds. Between mediocre performance, high expenses and fees, I would like to get h...
by retired@50
Sun May 24, 2020 9:20 am
Forum: Personal Investments
Topic: Portfolio review: rental condo, AMT, ISOs, target date funds
Replies: 6
Views: 338

Re: Portfolio review: rental condo, AMT, ISOs, target date funds

Partial answers to any of these would be useful! Thanks! :sharebeer After reading your post a few thoughts come to mind. Target date funds are great, especially if you can get them with a .04% expense ratio. The use of target date funds in all account types can create minor inefficiencies. Since ta...
by retired@50
Sun May 24, 2020 8:41 am
Forum: Personal Investments
Topic: Asset Allocation Dilemma – Contradicting Historical Data
Replies: 18
Views: 1118

Re: Asset Allocation Dilemma – Contradicting Historical Data

1. If anyone has time on their side (20+ years) where they do not need the invested capital at all This claim may not come true. You may not expect to need the invested capital, but you theoretically could need it in a hardship situation. I'd suggest 70/30 as a nice compromise. Regards,
by retired@50
Sun May 24, 2020 8:31 am
Forum: Personal Investments
Topic: Rollover Company 401k to Solo 401k?
Replies: 1
Views: 170

Re: Rollover Company 401k to Solo 401k?

fognyc wrote:
Sat May 23, 2020 11:19 pm

My question is this: Is having to administer a high value Solo 401k onerous at all, and are there any pitfalls, or considerations I should make before making the change?

Thanks for your insight!
https://www.bogleheads.org/wiki/Solo_401(k)_plan

Regards,
by retired@50
Sat May 23, 2020 11:47 pm
Forum: Personal Investments
Topic: Two bond funds, same index, vastly different maturities
Replies: 9
Views: 755

Re: Two bond funds, same index, vastly different maturities

Welcome to the forum. The iShares fund statistic "Weighted average maturity" is considering the bonds may be prepaid or called before the scheduled maturity date. See the info bubble next to the statistic. From the Vanguard page, they show the average stated maturity for the benchmark is 13.1 years...
by retired@50
Sat May 23, 2020 8:03 pm
Forum: Personal Investments
Topic: 401k Fees Not Disclosed
Replies: 4
Views: 349

Re: 401k Fees Not Disclosed

Hi Bogleheads My understanding is that 401k plans are required to provide disclosure/transparency regarding plan fees. By fees, I’m referring to recurring “maintenance” or “advisor” types of fees (read: fluff fees) that result in forced selling of participant shares to cover them. If a 401k plan do...
by retired@50
Sat May 23, 2020 7:49 pm
Forum: Personal Investments
Topic: 401k Fees Not Disclosed
Replies: 4
Views: 349

Re: 401k Fees Not Disclosed

Hi Bogleheads My understanding is that 401k plans are required to provide disclosure/transparency regarding plan fees. By fees, I’m referring to recurring “maintenance” or “advisor” types of fees (read: fluff fees) that result in forced selling of participant shares to cover them. If a 401k plan do...
by retired@50
Sat May 23, 2020 7:35 pm
Forum: Personal Investments
Topic: Roth IRA and Traditional IRA, merge or no?
Replies: 10
Views: 730

Re: Roth IRA and Traditional IRA, merge or no?

I think we need more info.

Are you currently working or retired?

If you're working, do you have access to a 401k plan?

Regards,
by retired@50
Sat May 23, 2020 7:21 pm
Forum: Personal Investments
Topic: Traditional 401k and Roth 401k Combination?
Replies: 20
Views: 675

Re: Traditional 401k and Roth 401k Combination?

Traditional 401k makes sense for many investors. Read this wiki page to see where you fall.

See link. https://www.bogleheads.org/wiki/Traditional_versus_Roth

Regards,
by retired@50
Sat May 23, 2020 7:18 pm
Forum: Personal Investments
Topic: Two bond funds, same index, vastly different maturities
Replies: 9
Views: 755

Re: Two bond funds, same index, vastly different maturities

Welcome to the forum. The iShares fund statistic "Weighted average maturity" is considering the bonds may be prepaid or called before the scheduled maturity date. See the info bubble next to the statistic. From the Vanguard page, they show the average stated maturity for the benchmark is 13.1 years...
by retired@50
Sat May 23, 2020 6:38 pm
Forum: Investing - Theory, News & General
Topic: Has anybody heard of DriverLoan Investor Club?
Replies: 11
Views: 759

Re: Has anybody heard of DriverLoan Investor Club?

... It definitely does look too good to be true. ... Wow. :shock: You and I have very different opinions about what looks too good to be true. This looks too horrible to consider in my book. Regards, A Thin line separates too good and too horrible. My spidey sense is definitely tingling. Figure tak...
by retired@50
Sat May 23, 2020 6:37 pm
Forum: Personal Investments
Topic: Two bond funds, same index, vastly different maturities
Replies: 9
Views: 755

Re: Two bond funds, same index, vastly different maturities

The iShares National Muni Bond Fund (MUB) and the Vanguard Tax-Exempt Bond (VTEB) both track the same index (Standard & Poor’s National AMT-Free Municipal Bond Index). As expected, their durations are fairly close (MUB is 6.2, VTEB is 5.6). How then is it possible that their average maturities are ...
by retired@50
Sat May 23, 2020 6:22 pm
Forum: Investing - Theory, News & General
Topic: Has anybody heard of DriverLoan Investor Club?
Replies: 11
Views: 759

Re: Has anybody heard of DriverLoan Investor Club?

FinKnight19 wrote:
Sat May 23, 2020 1:43 pm
...
It definitely does look too good to be true.
...
Wow. :shock: You and I have very different opinions about what looks too good to be true. This looks too horrible to consider in my book.

Regards,
by retired@50
Sat May 23, 2020 6:16 pm
Forum: Personal Investments
Topic: Portfolio Review - Help Appreciated
Replies: 3
Views: 295

Re: Portfolio Review - Help Appreciated

@ retired@50: Thank you for the response! Concerning bullet 1, I did see that the target date fund was an essentially an automated 4 fund portfolio. I suppose I was trying to avoid a fund of funds option to have better control of the percentages involved. I admittedly did not realize options within...
by retired@50
Sat May 23, 2020 6:02 pm
Forum: Investing - Theory, News & General
Topic: Examples of why NOT to hold individual stocks
Replies: 41
Views: 3462

Re: Examples of why NOT to hold individual stocks

Post a "mountain" chart of GE that goes back 40 or 50 years. Maybe that will help get the point across. Even if the company doesn't go out of business, you might wait around for 15 years to "break even".

Regards,
by retired@50
Sat May 23, 2020 5:47 pm
Forum: Personal Investments
Topic: investing individual stocks whole owning etfs?
Replies: 3
Views: 193

Re: investing individual stocks whole owning etfs?

I own shares of the QQQ, and I am very interested of as well of buying some individual stocks from some of the main companies of nasdaq like apple and amazon. Does this make sense? It doesn't make sense to me. I like to own the Total US and International stock markets. By using QQQ you are only buy...
by retired@50
Sat May 23, 2020 5:16 pm
Forum: Personal Investments
Topic: Portfolio Review - Help Appreciated
Replies: 3
Views: 295

Re: Portfolio Review - Help Appreciated

Hello all! Questions 1) In trying to create a more simplistic portfolio, how can I leverage available options to re-create a 3 or 4 fund portfolio? 2) Concerning house down payment savings, should I look into other vehicles for saving/more conservative options. To be honest, the time frame for a ho...
by retired@50
Sat May 23, 2020 4:51 pm
Forum: Personal Investments
Topic: S&P ETF vs. Index - For a 'Young' Taxable Account
Replies: 10
Views: 635

Re: S&P ETF vs. Index - For a 'Young' Taxable Account

This is a question I almost hate to ask but was hoping for some advice/clarification. After maxing my ROTH and taking advantage of my employer's SIMPLE IRA match, I have some leftover that I have been consistently feeding into my taxable account. Currently, it is being fed into FXAIX (S&P Index). A...
by retired@50
Sat May 23, 2020 3:01 pm
Forum: Personal Investments
Topic: S&P ETF vs. Index - For a 'Young' Taxable Account
Replies: 10
Views: 635

Re: S&P ETF vs. Index - For a 'Young' Taxable Account

This is a question I almost hate to ask but was hoping for some advice/clarification. After maxing my ROTH and taking advantage of my employer's SIMPLE IRA match, I have some leftover that I have been consistently feeding into my taxable account. Currently, it is being fed into FXAIX (S&P Index). A...
by retired@50
Sat May 23, 2020 1:56 pm
Forum: Personal Investments
Topic: Chasing Individual Stocks
Replies: 45
Views: 2328

Re: Chasing Individual Stocks

Yeah, that's gutsy. I can't imagine putting $100K into ONE stock. I've heard that old saying ... no guts, no glory... Anyone who's got ~$2M in TSM/S&P500 (which seemingly is most bogleheads) has $100k or more in MSFT and in AAPL. Good question... So what happens to VTI if tomorrow microsoft/APPLE f...
by retired@50
Sat May 23, 2020 1:43 pm
Forum: Personal Investments
Topic: Thinking of selling some SP 500 to buy more Wells Fargo
Replies: 65
Views: 3730

Re: Thinking of selling some SP 500 to buy more Wells Fargo

OP , Please help me with something. From where (within the United States?) are you writing? Forgive me, but I cannot get past your... oh, let’s say... struggling grammar. I cannot divorce it from your advocacy of your I’m-going-to-hit-a-homerun-on-this-stock buying strategy. Are your writing and in...
by retired@50
Sat May 23, 2020 1:36 pm
Forum: Personal Investments
Topic: Vanguard website not allowing 2019 IRA contribution
Replies: 4
Views: 504

Re: Vanguard website not allowing 2019 IRA contribution

You should probably call Vanguard.

Regards,
by retired@50
Sat May 23, 2020 10:39 am
Forum: Personal Investments
Topic: My asset allocation & Total int'l stock index?
Replies: 7
Views: 667

Re: My asset allocation & Total int'l stock index?

After working for three years in school, I finally got some time (thanks to COVID-19) to think about how to invest money wisely. Of course, I hate losing my hard-earned money. I think passive investment work best for me given my daily schedule, I'm thinking to allocate my assets as follows after le...
by retired@50
Sat May 23, 2020 10:32 am
Forum: Personal Investments
Topic: Ameriprise vs Vanguard PAS vs Three fund approach
Replies: 12
Views: 552

Re: Ameriprise vs Vanguard PAS vs Three fund approach

Your biggest hurdle to sound investing will not be choosing your investments; it will be overcoming your mind's desire to change course (aka market timing and panic selling). ^^^--- THIS --- ^^^ Use a target retirement date fund or just follow the Three-Fund Portfolio guidance. Save a lot. Trade ra...
by retired@50
Sat May 23, 2020 9:57 am
Forum: Personal Investments
Topic: Choice between two Vanguard funds for short term money
Replies: 12
Views: 1156

Re: Choice between two Vanguard funds for short term money

What are the collective thoughts about choosing one fund, or the other fund, or dividing between the two funds? Thanks. I'd use the Federal Money Market Fund and sleep well. Until you can show me a single person who has ever lost even a single penny by using the Federal Money Market Fund, I'd say d...
by retired@50
Sat May 23, 2020 9:22 am
Forum: Personal Investments
Topic: CIT and Rollover
Replies: 5
Views: 236

Re: CIT and Rollover

My question: Is there a problem in rollover of CITs into and IRA when I leave employment? A few reports (including Wikipedia on CIT) state rollover into IRA is difficult. Does this mean that they cannot rolled over "in kind" only? One report suggests talking with a tax consultant for rollover of CI...
by retired@50
Sat May 23, 2020 9:08 am
Forum: Personal Investments
Topic: Bond Component of 3-fund portfolio
Replies: 4
Views: 488

Re: Bond Component of 3-fund portfolio

pfb3326 wrote:
Sat May 23, 2020 9:06 am

1. 100% VBTLX (Total Bond Market Index)
You got the correct answer on your first try! Congratulations.

Regards,
by retired@50
Sat May 23, 2020 8:57 am
Forum: Personal Investments
Topic: ~6 years to retirement, portfolio questions
Replies: 3
Views: 499

Re: ~6 years to retirement, portfolio questions

* (special note): Since November - approx 10% of portfoilio above, I am using Gary A's momentum investing using the Parity portfolio rules (Parity portfolio uses 5 asset classes Gold, Real-estate, US Stocks, Short-Bonds, Long-Bonds) and switches based on signal rules monthly. Since I've never heard...
by retired@50
Fri May 22, 2020 6:30 pm
Forum: Personal Investments
Topic: Portfolio Review (first time): 31 & hoping to finally take control of finances
Replies: 28
Views: 1319

Re: Portfolio Review (first time): 31 & hoping to finally take control of finances

You can be thankful, every day, to the person who left you this money. For sure, they did a good thing. However, don't hold on to this adviser or continue to use this firm based on sentimental feelings. You've learned to be smart with your money and avoiding unnecessary fees and expenses goes with ...
by retired@50
Fri May 22, 2020 6:29 pm
Forum: Personal Investments
Topic: One Fidelity Fund Only - Possible?
Replies: 13
Views: 1247

Re: One Fidelity Fund Only - Possible?

I'd suggest you use low-expense ratio, broadly diversified stock and bond index funds. Select a mixture to suit yourself. FSKAX for the US Stock market FXNAX for the US Bond market Money market funds aren't paying much now. Regards, Edited to add: If you go with the Fidelity Rep's choice of FASMX (e...
by retired@50
Fri May 22, 2020 6:16 pm
Forum: Investing - Theory, News & General
Topic: REITs in a world of WFH + social distancing
Replies: 27
Views: 1936

Re: REITs in a world of WFH + social distancing

What thoughts do people have about the future of REIT properties in a world where major corporations (Facebook, Twitter) are anticipating indefinite work from home arrangements and greatly reduced office occupancy. I suppose in the short term, occupants might seek to re-negotiate leases, or let the...
by retired@50
Fri May 22, 2020 6:01 pm
Forum: Personal Investments
Topic: Superfund 529 plan right now?
Replies: 11
Views: 1012

Re: Superfund 529 plan right now?

jenbrez wrote:
Fri May 22, 2020 3:32 pm
Hello! I am in the fortunate position to have $100K to invest.
What state are you in?

If your state offers a tax break, contributing annually may take better advantage of said tax break.

Regards,
by retired@50
Fri May 22, 2020 5:57 pm
Forum: Personal Investments
Topic: Has anyone ever used their Emergency Fund?
Replies: 79
Views: 5371

Re: Has anyone ever used their Emergency Fund?

Sure. Several times in my life I found myself unemployed / laid off. The first was back in 1991, and I still had 28 years left on a mortgage. :shock:

I was glad I had some money set aside.

Regards,