Search found 6269 matches

by retired@50
Sun Aug 01, 2021 9:48 am
Forum: Personal Investments
Topic: 3-fund portfolio rebalancing
Replies: 14
Views: 941

Re: 3-fund portfolio rebalancing

No. The taxes you'll pay with a fund like VTIVX are just from bond interest and stock dividends. The fund gets to move stuff around without creating a taxable event for you, the shareholder. ETA : Is there some reason you're not just holding 100% stock in taxable and using a tax-deferred retirement...
by retired@50
Sun Aug 01, 2021 9:24 am
Forum: Personal Investments
Topic: evaluation ER/fees
Replies: 2
Views: 158

Re: evaluation ER/fees

The description for PHYZX holds the answer... The investment seeks to maximize current income; and capital appreciation is a secondary objective. The fund normally invests at least 80% of its investable assets in a diversified portfolio of high yield fixed-income instruments rated Ba or lower by Moo...
by retired@50
Sat Jul 31, 2021 11:21 pm
Forum: Personal Investments
Topic: Please help rebalancing my Portfolio
Replies: 1
Views: 283

Re: Please help rebalancing my Portfolio

First of all, I am very grateful to BogleHeads and the “Man himself” for slapping some sense into me. Even though it took so many years for me to learn such simple yet profound wisdom, I'm happy to be here. Available funds Funds available in his 401(k) Name/Inception Date Asset Class Category Gross...
by retired@50
Sat Jul 31, 2021 6:45 pm
Forum: Personal Investments
Topic: Roth 401K a good choice for 32% to 35% tax bracket?
Replies: 3
Views: 544

Re: Roth 401K a good choice for 32% to 35% tax bracket?

Welcome to the forum. :happy Based on the amount you mention in the 401k, I don't think you're in the high RMD danger zone yet. It would take several million inside the 401k plan to put you in the 32% bracket when you start RMDs. See link for details on this decision: https://www.bogleheads.org/wiki...
by retired@50
Sat Jul 31, 2021 6:32 pm
Forum: Investing - Theory, News & General
Topic: The First Origins of the Modern Corporation?
Replies: 5
Views: 701

Re: The Origins of the Modern Corporation?

SimpleGift wrote: Sat Jul 31, 2021 1:16 pm This knowledge was somehow lost between the 1300s and the 1600s.
I suspect knowledge loss was reduced quite a bit after the invention of the printing press 1440.

See link: https://en.wikipedia.org/wiki/Printing_press

Regards,
by retired@50
Sat Jul 31, 2021 6:12 pm
Forum: Personal Investments
Topic: Why are these two index funds rated differently
Replies: 10
Views: 771

Re: Why are these two index funds rated differently

By the way…..which of the available rating systems are the best? Apparently Morningstar falls short? Which one do you use to compare assets? There are a variety of "rating systems" but they generally don't mean much. Even Morningstar has come to this conclusion. See linked article about h...
by retired@50
Sat Jul 31, 2021 6:04 pm
Forum: Personal Investments
Topic: Stable Value, down a little bit this week
Replies: 14
Views: 1219

Re: Stable Value, down a little bit this week

Are you saying that the interest rate has dropped, ** OR ** are you saying the dollar amount in the account has dropped? I never used a stable value fund in a 401k, but I was under the impression that the dollar value didn't go down . :shock: Regards, The dollar value dropped last week. The first p...
by retired@50
Sat Jul 31, 2021 6:02 pm
Forum: Personal Investments
Topic: Cost Basis/Gift Questons
Replies: 1
Views: 177

Re: Cost Basis/Gift Questons

I use specific identification cost basis method. Also referred to as "spec-ID".

Controlling taxes is usually a worthwhile pursuit. Using average cost removes much of your discretion in the matter.

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

Regards,
by retired@50
Sat Jul 31, 2021 5:58 pm
Forum: Personal Investments
Topic: Stable Value, down a little bit this week
Replies: 14
Views: 1219

Re: Stable Value, down a little bit this week

Are you saying that the interest rate has dropped, ** OR ** are you saying the dollar amount in the account has dropped?

I never used a stable value fund in a 401k, but I was under the impression that the dollar value didn't go down. :shock:

Regards,
by retired@50
Sat Jul 31, 2021 5:20 pm
Forum: Personal Investments
Topic: Which of these portfolios is best? (more int'l but higher fees?)
Replies: 6
Views: 497

Re: Which of these portfolios is best? (more int'l but higher fees?)

Which of these options would be best, or is there another combination I'm missing out on? ... Or should I just leave well enough alone, basking in the simplicity of my current portfolio , and maybe adding international a few years down the road when I can contribute to VTIAX in the Roth? There are ...
by retired@50
Sat Jul 31, 2021 4:53 pm
Forum: Personal Investments
Topic: Do I understand backdoor Roth?
Replies: 10
Views: 691

Re: Do I understand backdoor Roth?

Thanks for the advice. I don’t think any of those options are worth the hassle for a small amount of Roth conversion. I don’t think I’ll be at this job for more than another year or so. A slight twist to the question: is the backdoor process my only option? I’m below the Roth MAGI limit. Can I call...
by retired@50
Sat Jul 31, 2021 4:45 pm
Forum: Personal Investments
Topic: Do I understand backdoor Roth?
Replies: 10
Views: 691

Re: Do I understand backdoor Roth?

mhalley wrote: Sat Jul 31, 2021 4:42 pm If your spouse has no trad ira, your inability to do the backdoor does not parent prevent them from doing it.
Just a minor correction to the above statement. ^^^

Regards,
by retired@50
Sat Jul 31, 2021 2:23 pm
Forum: Personal Investments
Topic: [Worthy Bonds]
Replies: 11
Views: 690

Re: [Worthy Bonds]

Thanks, that discussion is what I am looking for. Somehow when I searched the board, I could not find them related to "worthbonds" keyword. It looks like lots of investors don't like it due to BlackBox nature. But for persons like me, looking for more returns than FDIC with higher risk to...
by retired@50
Sat Jul 31, 2021 12:17 pm
Forum: Personal Investments
Topic: Vanguard Fund to ETF Conversion - any issues with cost basis?
Replies: 5
Views: 350

Re: Vanguard Fund to ETF Conversion - any issues with cost basis?

NYCaviator wrote: Sat Jul 31, 2021 12:01 pm Does the cost basis generally "transfer" accurately?
Generally, Yes.
However, the typical prepared Boglehead course of action is to make a digital copy of your cost basis before you make the conversion request.

Regards,
by retired@50
Sat Jul 31, 2021 12:15 pm
Forum: Personal Investments
Topic: [Worthy Bonds]
Replies: 11
Views: 690

Re: [Worthy Bonds]

I'm reminded of this quote: "More money has been lost reaching for yield than at the point of a gun” is a popular financial quote that was said by Raymond F. DeVoe, Jr., of Legg Mason Wood Walker Inc., in February 1995. People search for higher yields (higher returns) and often lose money when ...
by retired@50
Sat Jul 31, 2021 10:37 am
Forum: Personal Investments
Topic: 3-fund portfolio rebalancing
Replies: 14
Views: 941

Re: 3-fund portfolio rebalancing

3. Pick an auto-rebalanced 3-fund investment, like VTIVX Does an auto-rebalancing fund (option (3) above) in a taxable account create a a taxable event every time it rebalances? No. The taxes you'll pay with a fund like VTIVX are just from bond interest and stock dividends. The fund gets to move st...
by retired@50
Sat Jul 31, 2021 10:06 am
Forum: Personal Investments
Topic: When lump sum in hot market think of TLH as a little downside protection?
Replies: 14
Views: 1244

Re: When lump sum in hot market think of TLH as a little downside protection?

mrjohnanderson007 wrote: Sat Jul 31, 2021 8:37 am I prefer to buy things on sale, or at reasonable market levels.
In twenty years, the current market level will probably look a lot more reasonable. :wink:

Regards,
by retired@50
Fri Jul 30, 2021 5:38 pm
Forum: Personal Investments
Topic: Portfolio mistakes- How to proceed for two teachers with IRA and 403B?
Replies: 8
Views: 719

Re: Portfolio mistakes- How to proceed for two teachers with IRA and 403B?

My questions are: 1) What to do with Vanguard IRA’s which I made poor choices "gambling" on some speculative stocks this past year…so what to sell, what to hold, etc? 3) Should we start Roth IRA’s? ABML- AMERICAN BATTERY METALS CORP NV= $803 (Losses =302) AG- FIRST MAJESTIC SILVER = $1206...
by retired@50
Fri Jul 30, 2021 11:17 am
Forum: Investing - Theory, News & General
Topic: How much Gold do you own and why?
Replies: 228
Views: 15694

Re: How much Gold do you own and why?

It's funny, I know this chart and it is the reason I own gold. Not as a replacement for stocks of course, but for a portion of our cash holding. The chart shows that unlike cash, gold maintains the purchasing power over time. I tend to see gold as a "risk asset" instead of a replacement f...
by retired@50
Fri Jul 30, 2021 8:55 am
Forum: Personal Investments
Topic: Tempted to create a "play" account, which goes against my IPS
Replies: 24
Views: 1467

Re: Tempted to create a "play" account, which goes against my IPS

Hence why I'm tempted to open this play account with new found funds. I'm curious to know if this is a slippery slope, though. Curious to know if anyone has any thoughts. Money is money. You shouldn't treat this "new found" money any different than your other sources of income. I do belie...
by retired@50
Thu Jul 29, 2021 7:14 pm
Forum: Investing - Theory, News & General
Topic: How much Gold do you own and why?
Replies: 228
Views: 15694

Re: How much Gold do you own and why?

HanSolo wrote: Thu Jul 29, 2021 5:19 pm In the end, it's all just opinion and personal preference. Everyone is entitled to theirs.
Amen. ^^^^

I just make suggestions and certainly try not to get worked up if someone ignores my advice or thinking.

Regards,
by retired@50
Thu Jul 29, 2021 4:36 pm
Forum: Personal Investments
Topic: Single stock non-inheritance windfall – $440k of ORLY all in my name
Replies: 34
Views: 3675

Re: Single stock non-inheritance windfall – $440k of ORLY all in my name

Then there is the bigger question of whether you were paying taxes on dividends over the last 23 years, and if not, who was paying those taxes. You may need some expert advice on past taxes. No dividends since at least 1993, according to Yahoo! Finance. See link. https://finance.yahoo.com/quote/ORL...
by retired@50
Thu Jul 29, 2021 4:18 pm
Forum: Investing - Theory, News & General
Topic: How much Gold do you own and why?
Replies: 228
Views: 15694

Re: How much Gold do you own and why?

This chart from Jeremy Siegel's book "Stocks for the Long Run" sums it up for me. ETA: To answer the OP's question, I don't own any gold, and the chart below is the reason why. https://i.postimg.cc/7LpXDrm6/Screen-Shot-2021-07-29-at-9-42-50-AM.png Regards, Thank you for posting the chart....
by retired@50
Thu Jul 29, 2021 1:54 pm
Forum: Investing - Theory, News & General
Topic: How much Gold do you own and why?
Replies: 228
Views: 15694

Re: How much Gold do you own and why?

Who barters with precious metals at all? If that was the purpose why not gold ? If you're in a barter situation, gold could work, but if all you're trying to do is buy a loaf of bread or a tank full of gasoline, you might be in an uncomfortable position due the the value of a simple one ounce coin ...
by retired@50
Thu Jul 29, 2021 1:45 pm
Forum: Personal Investments
Topic: Personal Advisor Service
Replies: 13
Views: 986

Re: Personal Advisor Service

I appreciate your welcome and response. I will review the wiki link you provided. My PAS previously advised me I have no more tax advantaged accounts as that money was depleted in prior distributions. Therefore it seems I can’t hold all of my bond funds in tax deferred accounts. Does that make sens...
by retired@50
Thu Jul 29, 2021 11:54 am
Forum: Personal Investments
Topic: Taxable portfolio review (No leverage HFEA with scv-tilt?)
Replies: 5
Views: 279

Re: Taxable portfolio review (No leverage HFEA with scv-tilt?)

The intended goal is to achieve a diversified growth portfolio to buy&hold forever Tax is single :( 24%/5% Fed/State. Already maxing 401k and Roth but not much left to put into taxable :annoyed You might want to consider reading the wiki page on tax efficient fund placement. It might help you, ...
by retired@50
Thu Jul 29, 2021 11:46 am
Forum: Investing - Theory, News & General
Topic: How much Gold do you own and why?
Replies: 228
Views: 15694

Re: How much Gold do you own and why?

This chart from Jeremy Siegel's book "Stocks for the Long Run" sums it up for me.
ETA: To answer the OP's question, I don't own any gold, and the chart below is the reason why.

Image

Regards,
by retired@50
Thu Jul 29, 2021 9:23 am
Forum: Personal Investments
Topic: Tried to buy VWIUX in tIRA at Fidelity online and got denied
Replies: 25
Views: 2121

Re: Tried to buy VWIUX in tIRA at Fidelity online and got denied

I just tried to buy VWIUX in a tIRA at Fidelity online and got denied with this message: Error:(010386) The security you are attempting to trade is a tax-free mutual fund. Retirement accounts are prevented from buying or exchanging into tax-free mutual funds through the electronic channels. For mor...
by retired@50
Thu Jul 29, 2021 9:17 am
Forum: Personal Investments
Topic: Personal Advisor Service
Replies: 13
Views: 986

Re: Personal Advisor Service

All of our current taxable distributions are taken from my accounts as my IRA represents 70% of our portfolio. I also want to reduce my projected RMD as much as possible when required to start my RMD in the year 2028. Welcome to the forum. :happy I don't really have an opinion one way or the other ...
by retired@50
Thu Jul 29, 2021 9:01 am
Forum: Personal Investments
Topic: 3 fund portfolio with limited choices.
Replies: 8
Views: 561

Re: 3 fund portfolio with limited choices.

I recently started a new job that has a limited selection of funds to use in my 401K, unfortunately. I see nothing "limited" or "unfortunate" about your list of choices. There are low-expense ratio index funds from Blackrock that you could easily use to create a sensible portfol...
by retired@50
Thu Jul 29, 2021 8:54 am
Forum: Personal Investments
Topic: I sat in on our latest 457b committee meeting...
Replies: 15
Views: 2417

Re: I sat in on our latest 457b committee meeting...

This last meeting didn't go too badly. Some modest changes are planned to the actively-managed stock funds. The Total Stock Index fund survived the chopping block for now (i was worried there). Like usual, they're always trying to simplify the fund choices. I wouldn't think the total stock index fu...
by retired@50
Thu Jul 29, 2021 12:02 am
Forum: Personal Investments
Topic: Vanguard Processing Fees Negotiable?
Replies: 22
Views: 1743

Re: Vanguard Processing Fees Negotiable?

Ok. So whether an investor has an account with $1000 or $100 million at Vanguard, the fees are set in stone? Correct. Vanguard is like the car dealership with "no-haggle" pricing. There are no unpublished secret special deals. They aren't trying to attract new money, new money shows up be...
by retired@50
Wed Jul 28, 2021 4:04 pm
Forum: Personal Investments
Topic: Should I roll my HSA to Vanguard Healthequity?
Replies: 13
Views: 940

Re: Should I roll my HSA to Vanguard Healthequity?

You're right it was very easy. I just downloaded a statement from HSA Bank and was able to complete the entire thing in 5 minutes. I guess I will have a Fidelity account and just stick it in VTI or whatever the Fidelity equivalent is You might consider a mutual fund like FSKAX, that way you can inv...
by retired@50
Wed Jul 28, 2021 1:24 pm
Forum: Personal Investments
Topic: Should I roll my HSA to Vanguard Healthequity?
Replies: 13
Views: 940

Re: Should I roll my HSA to Vanguard Healthequity?

It would be a bit inconvenient. I no longer have a HDHP so I have $1300 and won't be contributing to it anymore and have no healthcare expenses [knock on wood] to spend it on. I'd be opening an account there just for $1300. I too have an "old" HSA that I cannot contribute to any longer. I...
by retired@50
Wed Jul 28, 2021 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Buying a new house, sell or rent old house?
Replies: 17
Views: 1297

Re: Buying a new house, sell or rent old house?

Plan: Step 1: Move into new house. Step 2: Rent for 3000/month, for 3 years, then sell Step 3: ???? Step 4: Profit Have you been a landlord before? You're glossing over the part where you have to fix stuff (probably on a Sunday), and deal with weird complaints from tenants. Have you checked the loc...
by retired@50
Wed Jul 28, 2021 9:22 am
Forum: Personal Investments
Topic: Thinking about leaving current job with pension, rollover or keep?
Replies: 4
Views: 647

Re: Thinking about leaving current job with pension, rollover or keep?

preciseman wrote: Wed Jul 28, 2021 1:14 am My guess is I should just roll into a traditional IRA. Is that what you would be doing as well?
Yes.
I rolled a small pension into my Rollover IRA (kept it as pre-tax money).

Now that I'm retired, and in a lower tax bracket, I'm working on Roth conversions each year.

Regards,
by retired@50
Wed Jul 28, 2021 8:58 am
Forum: Personal Investments
Topic: Need Help on Moving Funds from Fidelity PAS Account
Replies: 4
Views: 446

Re: Need Help on Moving Funds from Fidelity PAS Account

I don't think there is a worry about paying capital gains taxes or any such tax implications inside an Inherited IRA. If I understand correctly, the only taxes are ordinary income taxes on amounts withdrawn, in the year of the withdrawal. Similar to a regular IRA. If I'm correct, then you could sell...
by retired@50
Wed Jul 28, 2021 8:55 am
Forum: Personal Investments
Topic: First post: Getting married and reviewing portfolio. Advice welcome.
Replies: 12
Views: 1171

Re: First post: Getting married and reviewing portfolio. Advice welcome.

I'd certainly consider it. What other bond funds do you have to choose from? If you provide a list, the forum will help you evaluate which one(s) might be best. Sometimes a higher expense ratio isn't totally disqualifying. Sure thing. Here are the four options I have: VPAIX (0.1%) Vanguard Inflatio...
by retired@50
Wed Jul 28, 2021 8:42 am
Forum: Personal Investments
Topic: First post: Getting married and reviewing portfolio. Advice welcome.
Replies: 12
Views: 1171

Re: First post: Getting married and reviewing portfolio. Advice welcome.

About q2, It might be nice to see if you have a Stable Value Fund in the 401k plan. Sometimes they can be a solid alternative to a regular bond fund. They are really an insurance product (that behaves like a bank account with limited withdrawal rules), that will have a guaranteed interest rate for ...
by retired@50
Tue Jul 27, 2021 11:32 pm
Forum: Personal Investments
Topic: What to do with offer to purchase assets at 99% of NAV?
Replies: 2
Views: 509

Re: What to do with offer to purchase assets at 99% of NAV?

I am holding EFT (Eaton Vance Floating Rate) in my portfolio and received an offer to tender (to sell) everything at 99% NAV. This is because Morgan Stanley has acquired Eaton Vance Corp. I don't know what to do with this offer. What value does "99% to NAV" hold? Are you looking to unload...
by retired@50
Tue Jul 27, 2021 4:41 pm
Forum: Personal Investments
Topic: Searching for/finding old or lost investments?
Replies: 4
Views: 450

Re: Searching for/finding old or lost investments?

Have you contacted the brokerage house in NYC?

Or, try this site.
https://www.osc.state.ny.us/unclaimed-funds

Regards,
by retired@50
Tue Jul 27, 2021 4:37 pm
Forum: Personal Investments
Topic: First post: Getting married and reviewing portfolio. Advice welcome.
Replies: 12
Views: 1171

Re: First post: Getting married and reviewing portfolio. Advice welcome.

Thank you :) Hard to shake the feeling that I'm behind when comparing to some other posts here, but hopefully we'll be alright. Comparing yourself to others isn't particularly helpful. It's not a competition. Retirement investing is about you, and your goals. They are personal to you. Just to put y...
by retired@50
Tue Jul 27, 2021 4:28 pm
Forum: Personal Investments
Topic: Before-Tax, After-Tax, and Roth in 401K
Replies: 25
Views: 1576

Re: Before-Tax, After-Tax, and Roth in 401K

1. 401K up to company match (only I have a 401K) 2. Each of us max contribute to our individual Traditional IRA then do a backdoor Roth. 3. If allowed, megabackdoor Roth 401K. 4. Max out my before tax 401K. 5. Rest in taxable The above makes sense, but you can check the wiki for more account types ...
by retired@50
Tue Jul 27, 2021 4:21 pm
Forum: Personal Investments
Topic: Conservative Dividend Investing
Replies: 32
Views: 2629

Re: Conservative Dividend Investing

... Linde, 3M, JNJ, Union Pacific etc. ... What are your opinions? I've known people who invested this way, but you have to be willing to walk away from a real dud, if you happen to own one. Look at the long term results for GE, which would have been on your list 20 or 30 years ago. The dividend no...
by retired@50
Tue Jul 27, 2021 2:54 pm
Forum: Personal Investments
Topic: New Member, portfolio review
Replies: 30
Views: 2105

Re: New Member, portfolio review

What funds are offered in your employer's 401k plan? Please give fund names, tickers, and expense ratios. Check the image the OP added to his first post. Regards, No image on my desk top computer or tablet. That's peculiar. They were visible to me, but now they aren't. Something's fishy. Regards,
by retired@50
Tue Jul 27, 2021 2:34 pm
Forum: Personal Investments
Topic: New Member, portfolio review
Replies: 30
Views: 2105

Re: New Member, portfolio review

ruralavalon wrote: Tue Jul 27, 2021 2:32 pm What funds are offered in your employer's 401k plan? Please give fund names, tickers, and expense ratios.
Check the image the OP added to his first post.

Regards,
by retired@50
Tue Jul 27, 2021 2:32 pm
Forum: Personal Investments
Topic: Conservative Dividend Investing
Replies: 32
Views: 2629

Re: Conservative Dividend Investing

... Linde, 3M, JNJ, Union Pacific etc. ... What are your opinions? I've known people who invested this way, but you have to be willing to walk away from a real dud, if you happen to own one. Look at the long term results for GE, which would have been on your list 20 or 30 years ago. The dividend no...
by retired@50
Tue Jul 27, 2021 2:16 pm
Forum: Personal Investments
Topic: Before-Tax, After-Tax, and Roth in 401K
Replies: 25
Views: 1576

Re: Before-Tax, After-Tax, and Roth in 401K

What would you all recommend as I move forward? Thanks! What's your current Federal and State income tax bracket? Do you have an estimate of your future tax bracket (admittedly, this is a tough one)? Will you have a pension or other guaranteed income source in retirement? See link for details: http...
by retired@50
Tue Jul 27, 2021 2:09 pm
Forum: Personal Investments
Topic: Before-Tax, After-Tax, and Roth in 401K
Replies: 25
Views: 1576

Re: Before-Tax, After-Tax, and Roth in 401K

What would you all recommend as I move forward? Thanks! What's your current Federal and State income tax bracket? Do you have an estimate of your future tax bracket (admittedly, this is a tough one)? Will you have a pension or other guaranteed income source in retirement? See link for details: http...