Search found 72 matches

by Shabber
Thu Apr 11, 2019 4:58 pm
Forum: Personal Investments
Topic: Merrill Edge Feedback
Replies: 30
Views: 2915

Re: Merrill Edge Feedback

I too love ME. The app on my phone is great, the website is great, the integration with my BOA account is great, the CC cash back is huge. Only downside, I can't buy Admiral Vanguard Mutual Funds only Investor ones. Another bonus, ATM's refund any service charges to me too. Happy happy happy.
by Shabber
Mon Feb 11, 2019 6:23 pm
Forum: Personal Investments
Topic: Merrill Edge or Fidelity
Replies: 42
Views: 3606

Re: Merrill Edge or Fidelity

I can’t see a way to invest in those with Merrill Edge It works for Merrill Edge, that is what I have. You just go to "Trade - Mutual Fund" and put in the symbols. Not sure why you have to do it that way now, but it works. I think there is a $100k minimum for the initial deposit. You can find the i...
by Shabber
Mon Feb 11, 2019 2:07 pm
Forum: Personal Investments
Topic: Merrill Edge or Fidelity
Replies: 42
Views: 3606

Re: Merrill Edge or Fidelity

I can’t see a way to invest in those with Merrill Edge It works for Merrill Edge, that is what I have. You just go to "Trade - Mutual Fund" and put in the symbols. Not sure why you have to do it that way now, but it works. I think there is a $100k minimum for the initial deposit. You can find the i...
by Shabber
Mon Feb 11, 2019 1:10 pm
Forum: Personal Investments
Topic: Merrill Edge or Fidelity
Replies: 42
Views: 3606

Re: Merrill Edge or Fidelity

bluquark wrote:
Thu Feb 07, 2019 5:46 pm
It doesn't have any good money market funds, for example.
There is a list of all the MM's available at Merrill. The two I like the best are TMCXX and PVOXX. 2.51% and 2.55% now if you can put in the minimums. One is Black Rock and the other Federated. Hope that helps you out.
by Shabber
Thu Feb 07, 2019 5:37 pm
Forum: Personal Investments
Topic: Merrill Edge or Fidelity
Replies: 42
Views: 3606

Re: Merrill Edge or Fidelity

I use Merrill Edge and really like it. I have no Adviser or Adviser Fees. Here is what I like: 1. Great app and website with lots of functionality 2. Very easy to transfer from Bank Of America to ME. Happens almost instantly 3. With the ME balance, I get maximum perks from BOA such as no ATM fees an...
by Shabber
Thu Feb 07, 2019 4:10 pm
Forum: Personal Investments
Topic: Opinion on VTWAX [Vanguard Total World Stock]
Replies: 117
Views: 17703

Re: Opinion on VTWAX

jhfenton wrote:
Thu Feb 07, 2019 3:44 pm
Vanguard target retirement funds use 40%.
Not sure about those number, but I do own some Vanguard Target Retirement 2020 Fund (VTWNX) and they are 33.5% Int'l which is much higher than I thought. I am shocked how high those numbers are. I guess I'm just not on board with the theory.
by Shabber
Thu Feb 07, 2019 2:42 pm
Forum: Personal Investments
Topic: Opinion on VTWAX [Vanguard Total World Stock]
Replies: 117
Views: 17703

Re: Opinion on VTWAX

20%, but it's a highly controversial topic. Yeah, aren't they all on here geesh - LOL! When backtesting I don't see many time periods where "Vanguard Total World Stock Index" beats the plain old "S&P 500 Index". (please refrain from the "backtesting doesn't represent" blah, blah it gets old) And ju...
by Shabber
Thu Feb 07, 2019 2:35 pm
Forum: Personal Investments
Topic: Moving away from our "advisor"
Replies: 16
Views: 2381

Re: Moving away from our "advisor"

Congrats on increasing your returns by 1%!
Which is probably about a 25% increase (going from 4% to 5% return).
by Shabber
Thu Feb 07, 2019 2:16 pm
Forum: Personal Investments
Topic: Opinion on VTWAX [Vanguard Total World Stock]
Replies: 117
Views: 17703

Re: Opinion on VTWAX

What is the generally accepted retirement portfolio theory on % of International equities?
Seems like 10% is a normal figure I see a lot.
by Shabber
Tue Jan 08, 2019 6:07 pm
Forum: Personal Investments
Topic: How do I buy gold?
Replies: 55
Views: 4441

How do I buy gold?

I was recently reading an article about the Golden Butterfly portfolio and was intrigued. When I looked at the product mix it made sense except for the 20% they expect you to invest in "gold". How is that done? Do you buy "SPDR Gold ETF Shares (GLD)"? Stocks 20% Domestic Total Stock Market 20% Domes...
by Shabber
Wed Oct 24, 2018 6:10 pm
Forum: Personal Investments
Topic: Vanguard Wellesley alternative for taxable acct?
Replies: 7
Views: 1648

Vanguard Wellesley alternative for taxable acct?

I am a fan of the Wellesley fund (and if I love it now, imagine my love for it over the next 3 years). My problem is it resides in a taxable account. Is there a similar alternative that would be better with the taxes?
by Shabber
Tue Apr 17, 2018 7:07 pm
Forum: Investing - Theory, News & General
Topic: Wellesley January Price Drop? Why?
Replies: 27
Views: 5300

Re: Wellesley January Price Drop? Why?

OK, I figured this out. Sorry for the post I feel dumb.
I looked at distributions before posting and made sure it wasn't that, but I just checked the Vanguard Total Stock Fund and it dropped 9.9% and Total Bond Fund dropped 1%. So Wellesley dropping 5% makes more sense.
by Shabber
Tue Apr 17, 2018 6:32 pm
Forum: Investing - Theory, News & General
Topic: Wellesley January Price Drop? Why?
Replies: 27
Views: 5300

Wellesley January Price Drop? Why?

I am trying to figure out what happened at the end of January that caused my beloved VWIAX to fall 4.6% in 10 trading days?? This is a huge index fund that is 2/3 bonds. What is blazes caused a move like this? 01/26/2018 $66.28 01/29/2018 $66.06 01/30/2018 $65.68 01/31/2018 $65.67 02/01/2018 $65.47 ...
by Shabber
Tue Sep 19, 2017 6:44 pm
Forum: Personal Investments
Topic: New Investor - Three Fund Portfolio
Replies: 4
Views: 876

Re: New Investor - Three Fund Portfolio

I like it. Great to get started at your age. Be sure to stay the course and not panic no matter what happens. You have so much time to recover from anything that goes down.
by Shabber
Wed May 20, 2015 3:37 pm
Forum: Personal Investments
Topic: My Portfolio - Am I a too risk averse?
Replies: 14
Views: 2247

Re: My Portfolio - Am I a too risk averse?

wfrobinette wrote:What if the market runs up another 20% before taking a 5% plunge?
Always a risk as well, but not too worried about missing a 40/60 portfolio having sudden a 20% run up.
by Shabber
Wed May 20, 2015 12:57 pm
Forum: Personal Investments
Topic: My Portfolio - Am I a too risk averse?
Replies: 14
Views: 2247

Re: My Portfolio - Am I a too risk averse?

You might be okay with this, especially since you are planning to sell your business. If you're not, then the only alternative is to invest in more volatile investments. You can either take the risk of not having enough money in retirement or take the risk of stock market ups and downs. There's rea...
by Shabber
Tue May 19, 2015 3:34 pm
Forum: Personal Investments
Topic: My Portfolio - Am I a too risk averse?
Replies: 14
Views: 2247

Re: My Portfolio - Am I a too risk averse?

In my situation and age, would you roll 50/50?
by Shabber
Tue May 19, 2015 1:44 pm
Forum: Personal Investments
Topic: My Portfolio - Am I a too risk averse?
Replies: 14
Views: 2247

My Portfolio - Am I a too risk averse?

Emergency funds: I have 3 months in my checking account Debt: Zero, house and cars paid for, no credit cards Tax Filing Status: Single Tax Rate: 33% Federal, 0% State (29% effective rate) State of Residence: WA Age: 47 Desired Asset allocation: ??? I am risk averse, but hate to be wimpy. Desired Int...
by Shabber
Mon Apr 06, 2015 5:39 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2519
Views: 464061

Re: What are you up YTD?

Christine_NM wrote:Stocks: 49%
Bonds: 51%
Up: 7.2%
.
Can you tell me what funds are getting you that type of return?

I am:
Stocks 24%
Bonds 41%
Cash 35%
YTD 1.13%

I am Wellesley and 2 Vanguard Target Funds.
by Shabber
Mon Apr 06, 2015 5:24 pm
Forum: Personal Investments
Topic: Help me Understand Why I Keep My Bond Allocations
Replies: 15
Views: 1909

Help me Understand Why I Keep My Bond Allocations

I fight the urge to be a market timer and have been successful so far. That being said with my portfolio being 50% Bond Funds and the rates have nowhere to go but up, why am I not shifting that to cash (or something else)? If I just had a good reason, I would be able to stop thinking about this all ...
by Shabber
Thu Nov 20, 2014 2:03 pm
Forum: Investing - Theory, News & General
Topic: Apple Stock - Seems great, right?
Replies: 116
Views: 14984

Re: Apple Stock - Seems great, right?

LOL. Ummmm, yes, I did hit that one perfectly correct.
(patting myself on the back)

Bought for $73 a share and trading at $116 today.
With the PE back up to 18 now, it isn't the deal it was then, plus I think the watch will flop, but I knocked that one outta the park.
by Shabber
Fri Nov 07, 2014 12:01 pm
Forum: Investing - Theory, News & General
Topic: The Sky is Falling
Replies: 36
Views: 7395

The Sky is Falling

Not that it matters as everyone here is diversified and buy/hold investors, but..... I told myself that next time we were in a crazy stock bubble, I would realize it. Now I look at the crazy IPO's going on with companies that have no earnings or chance of earnings for a long time raising millions. I...
by Shabber
Fri Jun 06, 2014 5:39 pm
Forum: Personal Investments
Topic: Confession: I bought a stock. What is wrong with me?
Replies: 68
Views: 7928

Re: Confession: I bought a stock. What is wrong with me?

I did the same thing about a year ago with Apple stock. I decided that I would set aside $10k to play around with if the feeling caught me. Yes, this one worked out and so far, so good, but I know it is not a great investing strategy. My advice, don't post that info on this board as it is not going ...
by Shabber
Wed May 14, 2014 10:50 am
Forum: Investing - Theory, News & General
Topic: Apple Stock - Seems great, right?
Replies: 116
Views: 14984

Re: Apple Stock - Seems great, right?

But looking at total return the S&P index returned about 10% more over the same time period than AAPL individual stock, with *significantly* less risk due to the diversification it provides. WOW! You are totally right. I think that is the exact thing I needed to kick this individual stock habit. Th...
by Shabber
Tue May 13, 2014 6:01 pm
Forum: Investing - Theory, News & General
Topic: Apple Stock - Seems great, right?
Replies: 116
Views: 14984

Re: Apple Stock - Seems great, right?

Well, I did end up getting into AAPL Jan 2013 at the $513 a share that seemed like such a deal. It is now up to $594 and while everything is saying get out and grab the profit, I can't help but keep looking at this stock and saying 3.29% dividend, PE of 14, and still the standard in tablets/phones.....
by Shabber
Tue Oct 01, 2013 4:33 pm
Forum: Personal Investments
Topic: Bond Be Gone
Replies: 11
Views: 2363

Bond Be Gone

As a heavy investor in Vanguard Wellesley Income Fund and generally pleased with it's performance, I do see a time that the heavily weighted Bond fund may be in trouble as rates go up.
Thought you all may find the article interesting.

http://news.morningstar.com/articlenet/ ... ?id=612684
by Shabber
Thu Jun 13, 2013 4:11 pm
Forum: Personal Investments
Topic: Let's talk cash
Replies: 41
Views: 6540

Re: Let's talk cash

I had a very similar situation and decided to pay off my home mortgage. But......this was in January when the Dow was 13500 and I thought this is crazy overvalued (P/E Ratio too high I felt). Well, obviously the market cruised up past 15000. So, in hindsight, I should have stayed with my plan. Not t...
by Shabber
Thu Mar 21, 2013 6:14 pm
Forum: Investing - Theory, News & General
Topic: Apple Stock - Seems great, right?
Replies: 116
Views: 14984

Re: Apple Stock - Seems great, right?

I appreciate all the insight above. I think I am going to take some advice and divide up my 10k stock gambling money vs dumping all into one stock. Perhaps pick 3. Hey, I'm diversifying and before you know it I will just buy more TSM and forget the idea completely :-)
by Shabber
Wed Mar 20, 2013 6:29 pm
Forum: Investing - Theory, News & General
Topic: Apple Stock - Seems great, right?
Replies: 116
Views: 14984

Apple Stock - Seems great, right?

OK, I am not trying to get Bogleheads mad by talking about individual stocks, but I have $10k of my portfolio that I play around with individual stocks on. Apple seems amazing to me. 2.34% Dividend, P/E Ratio of 10, Innovative company with products that work well, took a 22% hit in the last 12 month...
by Shabber
Tue Mar 05, 2013 7:42 pm
Forum: Personal Investments
Topic: Explain a Bond Crash
Replies: 20
Views: 2907

Re: Explain a Bond Crash

But those bond losses you are talking about are if you sell the bond before maturity right? Otherwise there is no loss, just lost opportunity cost of buying a better interest producing bond when rates go back up.
by Shabber
Tue Mar 05, 2013 5:54 pm
Forum: Personal Investments
Topic: Explain a Bond Crash
Replies: 20
Views: 2907

Re: Explain a Bond Crash

That really helps. I guess my mental block was thinking about a stock crash vs a bond crash. If there is a stock crash and I am buy and hold I get no appreciation and when I need to sell some stock to live I take huge hits. When the bond crash happens, I look at it like, hey I bought the bond cause ...
by Shabber
Tue Mar 05, 2013 2:03 pm
Forum: Personal Investments
Topic: Explain a Bond Crash
Replies: 20
Views: 2907

Explain a Bond Crash

I am seeking some info and know that you guys will be able to explain this to me easily. My concern is the talk and chatter I hear about the Bond Market Crash from interest rates rising. (I know don't listen to "chatter" but I want to understand what the concept is.) It would be helpful to explain i...
by Shabber
Fri Jan 11, 2013 4:25 pm
Forum: Personal Investments
Topic: Struggling with when to get in
Replies: 74
Views: 7044

Re: Struggling with when to get in

"Pick an allocation. Invest in your allocation. Stick with your allocation.
Go to sleep. Have a beer. Or two."

Great advice. I would maybe change the order: Pick an allocation, have a beer or 2, invest, go to sleep. :)
by Shabber
Thu Jan 03, 2013 12:53 pm
Forum: Personal Investments
Topic: Tax Law Changes: Roth
Replies: 3
Views: 598

Tax Law Changes: Roth

I read somewhere yesterday on the web that the new rules were going to make it easier to get funds into a Roth. Anyone know what changed? I have a bunch of money in taxable accounts that need to be switched to tax free somehow.
by Shabber
Tue Dec 04, 2012 4:23 pm
Forum: Personal Investments
Topic: Basic Retirement Tax Question
Replies: 6
Views: 681

Re: Basic Retirement Tax Question

Married or single? Other dependents? Mortgage? How much of the $77K will be supplied by Social Security? Single now, but you never know. No kids. Will start a mortgage in the retirement location (20% down on 600k home), I'm 45 so SS won't be a factor for 20 years. Majority will come from Bond fund ...
by Shabber
Tue Dec 04, 2012 2:35 pm
Forum: Personal Investments
Topic: Basic Retirement Tax Question
Replies: 6
Views: 681

Re: Basic Retirement Tax Question

So I am hoping to retire in 2 years and the majority of my nest egg was built in the last 10 years. I will toss the 5k into an IRA this year and it will get things up to about 35k but not very releavant when thinking about a $1.2 M nest egg. For planning purposes, 20% is gonna be way high. I am thin...
by Shabber
Tue Dec 04, 2012 2:00 pm
Forum: Personal Investments
Topic: Basic Retirement Tax Question
Replies: 6
Views: 681

Basic Retirement Tax Question

So as I plan for retirement, I have a budget built with my estimated costs mortgage, utilities, insurance, travel, food, etc. This adds up to $77k annually. When I am figuring what my nest egg needs to be, what number should I use for taxes? I was figuring I would use 20% for taxes and so I would ne...
by Shabber
Wed Nov 14, 2012 4:40 pm
Forum: Personal Investments
Topic: How to start a 401k?
Replies: 31
Views: 2124

Re: How to start a 401k?

I'd think that if you have an SEP for a business, you're 'covered by a plan at work' even if the company (aka you two) decide not to contribute to the SEP. From the IRS website: Are You Covered by an Employer's Retirement Plan? You’re covered by an employer retirement plan for a tax year if your em...
by Shabber
Wed Nov 14, 2012 2:23 pm
Forum: Personal Investments
Topic: How to start a 401k?
Replies: 31
Views: 2124

Re: How to start a 401k?

I'm single so no concern there. And my income will be 150k+ but that doesn't seem to be an issue with the traditional IRA. I'm home free right?
by Shabber
Wed Nov 14, 2012 2:10 pm
Forum: Personal Investments
Topic: How to start a 401k?
Replies: 31
Views: 2124

Re: How to start a 401k?

Ah, OK, so I have the SEP but didn't contribute to it this year, so I am good. I think I am actually all set then. 2012 let's me toss $5k in, I have the account open, time to toss a little Welesly in there. And essentially I get to deduct that and same myself 30% in taxes or $1500. Seems like a wort...
by Shabber
Wed Nov 14, 2012 1:47 pm
Forum: Personal Investments
Topic: How to start a 401k?
Replies: 31
Views: 2124

Re: How to start a 401k?

Do you have a SEP IRA plan available at your current employment? Or is this from an old employer? I am one of 2 owners of my company and we opened up the SEP one year and we funded it with 25k each since because of our employees tenure we didn't have to fund any of the employees accounts, just ours...
by Shabber
Wed Nov 14, 2012 1:29 pm
Forum: Personal Investments
Topic: How to start a 401k?
Replies: 31
Views: 2124

Re: How to start a 401k?

Ahhh.....
I had a SEP a few years ago and put 25k in it one year, but that was it.
Am I to assume that I am ok since there hasn't been any contributions to the SEP since?
by Shabber
Wed Nov 14, 2012 1:11 pm
Forum: Personal Investments
Topic: How to start a 401k?
Replies: 31
Views: 2124

Re: How to start a 401k?

YDNAL wrote:* Eligible for subsequent purchases only.
Thanks for the advice. What does this mean?
by Shabber
Wed Nov 14, 2012 1:08 pm
Forum: Personal Investments
Topic: How to start a 401k?
Replies: 31
Views: 2124

Re: How to start a 401k?

Wow, so now I am getting into the nitty gritty of opening my traditional IRA and I see this: For 2012 the phaseout range for deducting an IRA contribution when you are covered by a retirement plan at work are as follows: For single filers: $58,000 to $68,000 For head of household filers: $58,000 to ...
by Shabber
Fri Nov 09, 2012 6:07 pm
Forum: Personal Investments
Topic: How to start a 401k?
Replies: 31
Views: 2124

Re: How to start a 401k?

For buy and hold investors, transaction costs are not a huge concern. With the limited # of trades I do on my Vanguard funds, the $39 in and $39 out as a % of the investment is very small. The convenience of transfers, mobile app, and deposits by phone outweigh that cost. ML's website is really nice.
by Shabber
Fri Nov 09, 2012 5:18 pm
Forum: Personal Investments
Topic: How to start a 401k?
Replies: 31
Views: 2124

Re: How to start a 401k?

To put it more bluntly, many people have used brokers like Merril Lynch feel that they were taken advantage of when they realize the impact of all the high fees and expenses, both up front and hidden. So I invest primarily in Vanguard funds, which while they cost me $39.95 to trade on ML, the other...
by Shabber
Fri Nov 09, 2012 12:18 pm
Forum: Personal Investments
Topic: How to start a 401k?
Replies: 31
Views: 2124

How to start a 401k?

My company doesn't have a 401k and I want to contribute some money to a tax free account. I heard that I can do $5500 this year, but not sure where to start to set that up? I use Merril Lynch to hold my investments now, do I just call them?
by Shabber
Fri Sep 28, 2012 1:09 pm
Forum: Personal Investments
Topic: Dividends: Record Date vs. Ex-Dividend Date?
Replies: 9
Views: 1060

Re: Dividends: Record Date vs. Ex-Dividend Date?

sscritic wrote:Vanguard calls it reinvest date. Go to the distributions tab of a fund and hold your mouse over reinvest date.
Well isn't that a tricky little difference.

So with mutual funds the record date matters to investors and with stocks, the ex date matters.
by Shabber
Fri Sep 28, 2012 12:52 pm
Forum: Personal Investments
Topic: Dividends: Record Date vs. Ex-Dividend Date?
Replies: 9
Views: 1060

Re: Dividends: Record Date vs. Ex-Dividend Date?

Do mutual funds have an ex-dividend date??