Search found 22 matches

by lmldm
Thu Mar 12, 2020 8:03 am
Forum: Investing - Theory, News & General
Topic: Are any early accumulators thankful for the current correction?
Replies: 185
Views: 10210

Re: Are any early accumulators thankful for the current correction?

I would consider myself a new accumulator (at age 43), even though I have held money in a tax deferred account for many years. We opened a brokerage account almost two years ago. I am definitely not thankful for the current correction, although in true form, we know there would be one at some point....
by lmldm
Thu Feb 27, 2020 2:15 pm
Forum: Personal Investments
Topic: Thinking about (temporarily) moving all *retirement* stock to bonds - please help
Replies: 292
Views: 24985

Re: Thinking about (temporarily) moving all *retirement* stock to bonds - please help

It's certainly possible that I did a poor job of phrasing my original post, but I think I did a decent-enough job. The questions that I were trying to get answered (some of which I'm still unclear about) had more to do with confirming that selling 100% my stock and converting it to bonds and/or val...
by lmldm
Thu Feb 27, 2020 1:56 pm
Forum: Personal Investments
Topic: Thinking about (temporarily) moving all *retirement* stock to bonds - please help
Replies: 292
Views: 24985

Re: Thinking about (temporarily) moving all *retirement* stock to bonds - please help

To the original poster of the thread, I hear what you are saying...and I almost dumped some stock today (got really concerned), and then I cancelled my order to do so. It's scary to see the gains and losses especially when you aren't a finance professional, or a person who is super educated in the m...
by lmldm
Sat Feb 22, 2020 9:20 am
Forum: Personal Investments
Topic: High Yield Dividend Stock in i401k
Replies: 10
Views: 815

Re: High Yield Dividend Stock in i401k

niceguy7376 wrote:
Fri Feb 21, 2020 2:13 pm
Where is the i401k located? Does that provider offer a roth i401k?
i401k is located in vanguard. they have subsets of traditional and roth but I would have to open an account in each under the i401k. (at least thats what vanguard said.
by lmldm
Sat Feb 22, 2020 9:13 am
Forum: Personal Investments
Topic: High Yield Dividend Stock in i401k
Replies: 10
Views: 815

Re: High Yield Dividend Stock in i401k

I added the answers in the quotations...hope this helps.
by lmldm
Sat Feb 22, 2020 9:12 am
Forum: Personal Investments
Topic: High Yield Dividend Stock in i401k
Replies: 10
Views: 815

Re: High Yield Dividend Stock in i401k

Thank you for your response Sycamore. We are aged 43 and 42. My Husbands solo I401k is all invested in the Vanguard Target 2045 Fund. I believe the ticker is VTIVX. He can make employee and employer contributions. Apparently if we wanted to have a traditional IRA allocation and Roth allocation (whi...
by lmldm
Fri Feb 21, 2020 12:42 pm
Forum: Personal Investments
Topic: High Yield Dividend Stock in i401k
Replies: 10
Views: 815

Re: High Yield Dividend Stock in i401k

Thank you for your response Sycamore. We are aged 43 and 42. My Husbands solo I401k is all invested in the Vanguard Target 2045 Fund. I believe the ticker is VTIVX. He can make employee and employer contributions. Apparently if we wanted to have a traditional IRA allocation and Roth allocation (whic...
by lmldm
Thu Feb 13, 2020 2:52 pm
Forum: Personal Investments
Topic: High Yield Dividend Stock in i401k
Replies: 10
Views: 815

High Yield Dividend Stock in i401k

Hi Bogleheads, I have another post about being fairly new to investing, but this is a separate topic. I've been doing a lot of reading, and what I am seeing is that many financial analysts feel that when in retirement, it's a better bet to have preferred stock (or high yield dividend funds) providin...
by lmldm
Tue Feb 11, 2020 10:12 am
Forum: Investing - Theory, News & General
Topic: How long to Keep Cash in Vanguard Settlement
Replies: 3
Views: 478

Re: How long to Keep Cash in Vanguard Settlement

There's a lot of "it depends on what you want" in this question. I think the short answer might be that Vanguard pays reasonable interest on cash, so you dont necessarily need to be in a particular hurry to move the money to a bank account or anything. Thanks! That's what I thought. It won't be sit...
by lmldm
Tue Feb 11, 2020 9:51 am
Forum: Investing - Theory, News & General
Topic: How long to Keep Cash in Vanguard Settlement
Replies: 3
Views: 478

How long to Keep Cash in Vanguard Settlement

What is the longest amount of time you would keep about 9k in your settlement fund? Do you suggest outright buying VTSAX or keeping it in the money market until you decide whether you want to transfer to another bank account etc etc?
by lmldm
Fri Feb 07, 2020 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Money Matters for Family
Replies: 1
Views: 501

Money Matters for Family

Hi, I have two children age 5 & 7. I opened savings accounts for them a while ago. They had about 18k in each of them. I then decided to open 529s for them, and put 13k in each 529. Now they are left with about $3500 in each of their savings accounts. Do you feel that children should have a basic sa...
by lmldm
Wed Feb 05, 2020 10:59 am
Forum: Personal Investments
Topic: Fairly New to Investing...
Replies: 26
Views: 1413

Re: Fairly New to Investing...

Hi, Hoping some of you can shed some light on my portfolio (and hopefully) not in a mean way. We are in our low 40's and would like to be as aggressive as possible NOW, while market is having a melt up etc etc. I have done a lot of research on investing and what the right allocations would be for N...
by lmldm
Tue Feb 04, 2020 8:49 pm
Forum: Personal Investments
Topic: Fairly New to Investing...
Replies: 26
Views: 1413

Re: Fairly New to Investing...

Yes, the 29% in stocks is very risky. We're willing to take that risk right now with the way the stock market is going. I want to keep Apple and Tesla. I don't need to keep Marvell, Starbucks and IIPR. I have owned Starbucks and Apple for more than a year. I am not quite sure why investing in a few...
by lmldm
Tue Feb 04, 2020 7:34 pm
Forum: Personal Investments
Topic: Fairly New to Investing...
Replies: 26
Views: 1413

Re: Fairly New to Investing...

I'm going to answer your questions here, as it's just easier, I hope you don't mind. That does make it much harder to see what your overall situation is. I am sorry to see that you have been making changes piecemeal, without first making a plan for the overall portfolio. We are in our low 40's and ...
by lmldm
Tue Feb 04, 2020 10:13 am
Forum: Personal Investments
Topic: Fairly New to Investing...
Replies: 26
Views: 1413

Re: Fairly New to Investing...

Thank you so much. Yes, I am not putting anymore into their 529s. Yes, our retirement is low. The reasons for this is because I have been a stay at home mom for a while and I started late to the game...also we had a lot of debt to pay down, and we got ourselves extremely out of debt. It was a lot. ...
by lmldm
Mon Feb 03, 2020 5:49 pm
Forum: Personal Investments
Topic: Fairly New to Investing...
Replies: 26
Views: 1413

Re: Fairly New to Investing...

You have been given good advice. I want to address the biggest misconception in your original post. You think that in today’s market where stocks have been going mostly up, that you should be aggressive. But then when stocks fall, you should move to bonds. This sounds logical. But in reality, it wi...
by lmldm
Mon Feb 03, 2020 4:58 pm
Forum: Personal Investments
Topic: Fairly New to Investing...
Replies: 26
Views: 1413

Re: Fairly New to Investing...

You have not supplied enough information to answer your question. Please see this for information needed and format: "Asking Portfolio Questions" . Do you or your husband or both have a work-based account like a 401k, 403b, 457b, SIMPLE IRA, TSP, etc ? Does your husband have an IRA? Please simply a...
by lmldm
Mon Feb 03, 2020 4:44 pm
Forum: Personal Investments
Topic: Fairly New to Investing...
Replies: 26
Views: 1413

Re: Fairly New to Investing...

If you have Vanguard Wellington witch have only value stocks, you need fund with growth stocks too for diversification. But if you get rid of wellington fund, you do not need VIGAX. Do you believe I should keep the wellington fund and go with VTSAX, take all the rest of the funds I have and put the...
by lmldm
Mon Feb 03, 2020 4:01 pm
Forum: Personal Investments
Topic: Fairly New to Investing...
Replies: 26
Views: 1413

Re: Fairly New to Investing...

Thank you lakpr. Great advice. I appreciate it. Our accountant never mentioned about the Hutchinson law. I am going to change up my Roth IRA to the blend. Also, in regards to the other funds, in our brokerage...I should combine all of it in VTSAX? NO VIGAX, No BND etf, no VXF etf No Wellington? As y...
by lmldm
Mon Feb 03, 2020 3:16 pm
Forum: Personal Investments
Topic: Fairly New to Investing...
Replies: 26
Views: 1413

Re: Fairly New to Investing...

I agree with Lakpr’s suggestions. Also, I wouldn’t buy gold. Not going to buy gold. If you had a i401k with $61,000 how would you break it out? It's currently all in VTIVX. Definitely not getting the best return. It's not a bad return, just not the best. With Vanguard there are so many funds and et...
by lmldm
Mon Feb 03, 2020 3:12 pm
Forum: Personal Investments
Topic: Fairly New to Investing...
Replies: 26
Views: 1413

Re: Fairly New to Investing...

1. I see only one Roth IRA, do you or your husband not have one of own? Why not contribute $12k if not ? ... $6k for 2019 and $6k for 2020. 2. The defining feature of a Roth is that all future growth is tax free (the only limitation on accessing that growth -- not contributions -- is that you shoul...
by lmldm
Mon Feb 03, 2020 12:32 pm
Forum: Personal Investments
Topic: Fairly New to Investing...
Replies: 26
Views: 1413

Fairly New to Investing...

Hi, Hoping some of you can shed some light on my portfolio (and hopefully) not in a mean way. We are in our low 40's and would like to be as aggressive as possible NOW, while market is having a melt up etc etc. I have done a lot of research on investing and what the right allocations would be for NO...