Search found 3279 matches

by goingup
Sat Dec 08, 2018 9:52 am
Forum: Investing - Help with Personal Investments
Topic: 2018 August - Dollar Cost Averaging vs LumpSum of 420k
Replies: 42
Views: 3156

Re: 2018 August - Dollar Cost Averaging vs LumpSum of 420k

Thank God I didn't do a lumpsum drop. I'm buying more as the market goes down. If it goes down 50%, I'm gonna put in all the 420 (because that is the max based on history), 25% then I invest 50% of 420 and so on. Else I'm just gonna add like 10k a month. I think you're saying you haven't even start...
by goingup
Sat Dec 08, 2018 9:19 am
Forum: Investing - Help with Personal Investments
Topic: options to cover next 10 years before SS
Replies: 34
Views: 2030

Re: options to cover next 10 years before SS

I'd suggest a flexible and easy solution. Put the $600K in Wellesley Admiral fund, which has a 3.4% SEC yield currently and is roughly a 30/70 fund. Your mom probably needs to stay flexible if she plans to stay in the stock market. An annuity is a "certain" solution but it will deplete that whole am...
by goingup
Thu Dec 06, 2018 3:09 pm
Forum: Personal Consumer Issues
Topic: Is this normal for an HOA?
Replies: 87
Views: 7361

Re: Is this normal for an HOA?

I have been thinking about the HOA's request to you. It seems intrusive and bureaucratic. I had a thought that maybe this was paternalism with good intentions. The recent wildfires in Northern California ravaged communities so quickly that it's taken a long time to even figure out who is missing. Ma...
by goingup
Tue Dec 04, 2018 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: VTI or VTSMX
Replies: 17
Views: 811

Re: VTI or VTSMX

OP-
These are different share classes of the same fund. In other words, they are identical. If you hold these at Vanguard, there are no fees to buy/sell. If you use a different brokerage it likely will be cheaper to use the ETF (VTI).
by goingup
Tue Dec 04, 2018 11:38 am
Forum: Investing - Help with Personal Investments
Topic: Multi Account Re-balance Question
Replies: 11
Views: 597

Re: Multi Account Re-balance Question

I know it's suggested to view all holdings as one portfolio. However, there is something rather unfair about having one spouse anchored with all bonds. I suggest a more equitable solution. As mentioned, the difference between .04% and .15% is minor. It is unfortunate that we have to think about thi...
by goingup
Tue Dec 04, 2018 11:29 am
Forum: Personal Finance (Not Investing)
Topic: transfer 401k to IRA transaction delays
Replies: 11
Views: 372

Re: transfer 401k to IRA transaction delays

The last rollover I did went from 403B directly to Vanguard. I never got a check mailed to me. Can't you have your receiving custodian "pull" the funds into a rollover IRA?

It did take about 2 weeks. Since I was going from a bond fund into Wellington fund I didn't worry about the Market volatility.
by goingup
Tue Dec 04, 2018 10:04 am
Forum: Investing - Help with Personal Investments
Topic: Multi Account Re-balance Question
Replies: 11
Views: 597

Re: Multi Account Re-balance Question

I know it's suggested to view all holdings as one portfolio. However, there is something rather unfair about having one spouse anchored with all bonds. I suggest a more equitable solution. As mentioned, the difference between .04% and .15% is minor.
by goingup
Mon Dec 03, 2018 2:55 pm
Forum: Investing - Help with Personal Investments
Topic: Should I moved my American Funds to Vanguard?
Replies: 16
Views: 977

Re: Should I moved my American Funds to Vanguard?

I would point out that Vanguard has similar active funds at lower cost. Agree with nedsaid. I like American Funds, and we hold American Fund Balanced R6 shares in a 401K with .28 ER. At retirement wi'll likely roll to Vanguard Wellington, which is quite similar. OP- I'd consolidate that holding wit...
by goingup
Sun Dec 02, 2018 10:21 am
Forum: Investing - Help with Personal Investments
Topic: How to stage long overdue rebalance
Replies: 9
Views: 818

Re: How to stage long overdue rebalance

otter- I think your portfolio must be low 7 figures (not 6) if capital gains are a concern. The first thing to consider is the $$ of gains, and where loss harvesting can also occur. There are likely losses in international and total bond. You might swap out Carillon for an international index fund. ...
by goingup
Sun Dec 02, 2018 9:56 am
Forum: Investing - Help with Personal Investments
Topic: Stuck with Wells Fargo 401k: What to do?
Replies: 23
Views: 1431

Re: Stuck with Wells Fargo 401k: What to do?

You have very good low-cost options in your Wells 401K. Holding either a TR fund or SP500 fund is a fine choice. You can increase bond holdings in your old 401K by using a lower date TR fund (2035). Some people get hung up on costs without realizing that once they're below .25% it gets pretty incons...
by goingup
Fri Nov 30, 2018 2:19 pm
Forum: Investing - Help with Personal Investments
Topic: 401(k) to 401(k) rollover
Replies: 1
Views: 104

Re: 401(k) to 401(k) rollover

Wont' your 401K transfer to the new company's plan will be handled by the new 401K administrator? You (and all your co-workers) should not have to do anything. Well, you may have to affirm that you wish to participate in the new company's plan, but that probably is the default option anyways. My exp...
by goingup
Fri Nov 30, 2018 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: My 401k isn't making any money
Replies: 35
Views: 4261

Re: My 401k isn't making any money

Have patience and keeping contributing. Many of us were investing during the Tech Wreck and Great Recession. Talk about discouraging!

There are many 401K millionaires on this forum. It took regular contributions (mostly to equity) and many years of compounding.
by goingup
Fri Nov 30, 2018 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: Large Investment In Taxable - ETF or Index Fund?
Replies: 5
Views: 522

Re: Large Investment In Taxable - ETF or Index Fund?

itgeek wrote:
Fri Nov 30, 2018 10:42 am
What am I missing?
Neither the Vanguard Total Stock Market fund or its equivalent ETF distribute capital gains. Both distribute dividends. If I were you I'd put the money in one of Vanguard's Money Market funds and purchase Total Stock Market after the dividends are distributed.
by goingup
Fri Nov 30, 2018 10:04 am
Forum: Personal Consumer Issues
Topic: How do Bogleheads justify taking vacation?
Replies: 102
Views: 4363

Re: How do Bogleheads justify taking vacation?

Being a Boglehead has nothing to do with vacations, cars or watches. It's about buying low-cost indexed funds and somehow people have taken that and extend it to everything or just to being all-around cheap. I agree. Just because we all think low-cost funds are wise investments doesn't translate to...
by goingup
Fri Nov 30, 2018 9:13 am
Forum: Investing - Help with Personal Investments
Topic: TLH'd from VTSAX to VFIAX a month ago, what to buy now?
Replies: 10
Views: 570

Re: TLH'd from VTSAX to VFIAX a month ago, what to buy now?

You sold VTSAX > VFIAX to collect the loss. After 30 days you can start to contribute to VTSAX again. If VFIAX posts a loss you can exchange back into VTSAX once 30 days have passed. (Buy on the 31st day or later.) The primary thing that causes a wash sale is purchasing replacement shares in that 3...
by goingup
Fri Nov 30, 2018 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Is Wells Fargo doing a bait and switch with mortgage rate?
Replies: 24
Views: 2153

Re: Is Wells Fargo doing a bait and switch with mortgage rate?

Wells Fargo has the reputation of being best in the Jumbo market. Lowest rates for high credit score borrowers. We had a broker who arranged our last Wells Fargo mortgage. No problems. The only hitch was regarding escrow account. Wells wanted a 1/4 point if we refused to have escrow. We said no escr...
by goingup
Thu Nov 29, 2018 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: TLH'd from VTSAX to VFIAX a month ago, what to buy now?
Replies: 10
Views: 570

Re: TLH'd from VTSAX to VFIAX a month ago, what to buy now?

You sold VTSAX > VFIAX to collect the loss. After 30 days you can start to contribute to VTSAX again. If VFIAX posts a loss you can exchange back into VTSAX once 30 days have passed. (Buy on the 31st day or later.) The primary thing that causes a wash sale is purchasing replacement shares in that 30...
by goingup
Thu Nov 29, 2018 11:53 am
Forum: Investing - Help with Personal Investments
Topic: Potential pitfall of Tax Loss Harvesting
Replies: 3
Views: 376

Re: Potential pitfall of Tax Loss Harvesting

There are lots of threads about TLH recently due to market downturn for the past two months. However I can think of one potential pitfall of TLH. If I perform TLH today, and have to wait for 31 days to put my money back to the original or similar fund , then I have the risk of not participating the...
by goingup
Thu Nov 29, 2018 11:20 am
Forum: Investing - Help with Personal Investments
Topic: Pay off Mortgage - performing mortgage
Replies: 27
Views: 2205

Re: Pay off Mortgage - performing mortgage

I'll give my layman's interpretation of early pay-offs. Banks aren't all that excited early payoffs and don't offer discounts for you to do this. They lent you the money and plan to collect all the interest due. I think my bank thought it was a good deal for them when I paid my off 3.375 mortgage lo...
by goingup
Thu Nov 29, 2018 11:06 am
Forum: Investing - Help with Personal Investments
Topic: First year with financial planner managing IRA did worse than index fund, should I pull out?
Replies: 24
Views: 2068

Re: First year with financial planner managing IRA did worse than index fund, should I pull out?

A year ago I moved a retirement account worth about $245k idling in Fidelity and rolled it over to an IRA actively managed by a financial advisor that uses LPL Financial. Your funds were "idling at Fidelity"? What were you invested in and why? There are definitely costs to having an advisor, but tr...
by goingup
Wed Nov 28, 2018 11:21 am
Forum: Investing - Help with Personal Investments
Topic: Where do you direct Stock Index Capital Gains and Dividends
Replies: 20
Views: 1811

Re: Where do you direct Stock Index Capital Gains and Dividends

bgyt- I've always auto-reinvested all dividends. I do that so the money is invested immediately and doesn't languish in an account waiting for me to decide. These purchases are tracked by your custodian (Vanguard, etc). Some folks like to control their accounts more. I prefer to automate as much as ...
by goingup
Wed Nov 28, 2018 11:12 am
Forum: Investing - Help with Personal Investments
Topic: Where to allocate real estate capital gain
Replies: 1
Views: 192

Re: Where to allocate real estate capital gain

Welcome here~ I can't walk in your shoes, but I would invest the proceeds of your home sale according to your AA. The scenario of taking care of parents/brother seems uncertain and so far in the future that it seems unwise to begin positioning yourself for that. Invest it in tax efficient index fund...
by goingup
Wed Nov 28, 2018 10:09 am
Forum: Personal Consumer Issues
Topic: Electricity bill should be 7% per month of home sq footage.
Replies: 66
Views: 3886

Re: Electricity bill should be 7% per month of home sq footage.

Estimated a bill of $4100 to get the home efficient! yikes, does this sound right? Check your energy company. They'll likely provide a free energy assessment. They may provide a list of approved contractors. Sometimes there are rebates or tax credits available for getting the work done. Our gas plu...
by goingup
Tue Nov 27, 2018 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: Order of Investments Question
Replies: 7
Views: 588

Re: Order of Investments Question

The Wiki's order of investments assumes we are perfectly rational and motivated investors with great execution skills. I have less faith in human nature. If I were advising a young person, I would suggest they max out their 401K with either a broad based index fund (SP500) or Target Date fund. The p...
by goingup
Tue Nov 27, 2018 10:05 am
Forum: Investing - Theory, News & General
Topic: Does 100% stocks make sense for very high net worth individuals
Replies: 89
Views: 6856

Re: Does 100% stocks make sense for very high net worth individuals

bb wrote:
Tue Nov 27, 2018 9:48 am
I am sure need could be expanded to need or desire.
I agree. Actually, I never liked Larry's saying too much. Those who "need" to take risk are likely those who can least afford to lose their wealth. If you have the willingness and ability to take risk---well, that is all you need!
by goingup
Tue Nov 27, 2018 9:56 am
Forum: Investing - Help with Personal Investments
Topic: How to ratchet up equity allocation?
Replies: 22
Views: 1319

Re: How to ratchet up equity allocation?

(A bit paradoxical and dumb now that I say it out loud, since almost anyone else would decrease their equity AA to get this effect instead.) If you're thinking about increasing your equity allocation in this choppy market it may mean you have the disposition and tolerance to hold more equity. Poste...
by goingup
Mon Nov 26, 2018 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Advice on Heavy Cash Position
Replies: 18
Views: 3097

Re: Advice on Heavy Cash Position

I'd pay off the 4 and 5% loans today. Why wouldn't you? There are no riskless investments that pay that. It doesn't make sense to hold so much cash while maintaining that debt. It's not illogical to keep paying the 2.95% debt while investing for retirement (ie funding 401K, Roth, HSA) but I do find ...
by goingup
Sun Nov 25, 2018 1:30 pm
Forum: Investing - Theory, News & General
Topic: Using Short-Term Bonds for my future housing payment fund (3-5 years out)?
Replies: 5
Views: 414

Re: Using Short-Term Bonds for my future housing payment fund (3-5 years out)?

I don't have a specific recommendation for a bond fund, but I think a ST bond fund is a fine idea. It's liquid and easily accessible. The interest will be a bit better than a HY savings, but you won't be locked into a time frame like a CD.
by goingup
Sun Nov 25, 2018 10:05 am
Forum: Investing - Help with Personal Investments
Topic: Average cost for behaviorally challenged
Replies: 10
Views: 1465

Re: Average cost for behaviorally challenged

Using Average Cost vs Specific Cost really shouldn't matter behaviorally. If you plan to Tax Loss Harvest, SPEC ID is better. Like you, I believe in automated savings. Concentrate on that and TLH only when losses are significant. Don't overthink or over tinker. Using balanced and blended funds in ta...
by goingup
Wed Nov 21, 2018 2:33 pm
Forum: Investing - Help with Personal Investments
Topic: Wife's new 401k options
Replies: 10
Views: 723

Re: Wife's new 401k options

Just the SP500 unless you think she'll distress with the volatility.
by goingup
Wed Nov 21, 2018 10:11 am
Forum: Investing - Theory, News & General
Topic: What's in your Investor Policy Statement about Bear Markets?
Replies: 52
Views: 3477

Re: What's in your Investor Policy Statement about Bear Markets?

wolf359-
An IPS is a personal thing. If yours has a bear market contingency plan that keeps you focused and on-track, I think that's great.

I feel as though I'm always "dressed for war" and plan to do nothing unusual. Guess I'm in the "Don't do something, just stand there" camp. :wink:
by goingup
Tue Nov 20, 2018 12:55 pm
Forum: Investing - Theory, News & General
Topic: How to Withdraw Money in Retirement, Following a Down Year
Replies: 58
Views: 5421

Re: How to Withdraw Money in Retirement, Following a Down Year

Have you ever looked at VPW, described in this forum? https://www.bogleheads.org/wiki/Variable_percentage_withdrawal dcabler- Thanks for posting. Can't believe I've never read this before! Quick question: Do most couples average their ages when using the chart? From the linked page: " Lookup the wi...
by goingup
Tue Nov 20, 2018 12:39 pm
Forum: Investing - Theory, News & General
Topic: How to Withdraw Money in Retirement, Following a Down Year
Replies: 58
Views: 5421

Re: How to Withdraw Money in Retirement, Following a Down Year

dcabler wrote:
Tue Nov 20, 2018 12:27 pm
Have you ever looked at VPW, described in this forum?
https://www.bogleheads.org/wiki/Variabl ... withdrawal
dcabler-
Thanks for posting. Can't believe I've never read this before! Quick question: Do most couples average their ages when using the chart?
by goingup
Mon Nov 19, 2018 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: The psychology of withdrawing from your portfolio
Replies: 58
Views: 5856

Re: The psychology of withdrawing from your portfolio

We're on the cusp of retirement with a long gap to SS FRA. I think we've saved sufficiently and will have rent, royalties, interest and dividends to provide passive income. The rest will be manually withdrawn from a taxable portfolio. I think that's going to take a little time to get used to. :shock...
by goingup
Sun Nov 18, 2018 10:17 am
Forum: Investing - Help with Personal Investments
Topic: 23 Fund Managed Portfolio: Is this normal?
Replies: 13
Views: 853

Re: 23 Fund Managed Portfolio: Is this normal?

I think she really screwed up, and I've warned her about these fees, but she is not listening. I think she realizes she screwed up, but for whatever reason doesn't want to go back to the index portfolio that I helped her with (and which has NO management fees!). It's unfortunate from a financial pe...
by goingup
Sun Nov 18, 2018 9:48 am
Forum: Investing - Help with Personal Investments
Topic: Is it 'Market Timing' (i.e., Bad) to Have an Investment Plan Where You Increase Stock Allocation if Market Declines?
Replies: 25
Views: 2532

Re: Is it 'Market Timing' (i.e., Bad) to Have an Investment Plan Where You Increase Stock Allocation if Market Declines?

I would own more shares and a higher percentage (I think). The idea is that if I was 80% in stocks and 20% in bonds, and the market declined such that I would be 70% stocks and 30% bonds (for example), when I rebalanced, I would rebalance to 85% stocks and 15% bonds (not 80/20). For the record, jus...
by goingup
Sat Nov 17, 2018 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable account - Cost basis - specID or Avg
Replies: 13
Views: 855

Re: Taxable account - Cost basis - specID or Avg

I like auto reinvesting dividends. Puts the money to work immediately at the newly reduced NAV (reduced because of dividend distribution). Automation means fewer decisions and that's good. Yes, to SPEC ID. I'm not interested in holding either SC Value or Emerging Markets funds but many people who sl...
by goingup
Fri Nov 16, 2018 10:31 am
Forum: Personal Consumer Issues
Topic: Cremation seminar – with complimentary lunch
Replies: 86
Views: 6338

Re: Cremation seminar – with complimentary lunch

There's another organization called Neptune Society that operates in 24 states, 45 locations. Might be good to compare service/prices.
by goingup
Fri Nov 16, 2018 10:14 am
Forum: Investing - Help with Personal Investments
Topic: Muscular Portfolios Questions
Replies: 16
Views: 1980

Re: Muscular Portfolios Questions

Welcome, helpmebogle! Not to be a kill-joy, but this is the broad philosophy of Bogleheads: The Bogleheads® Philosophy *Develop a workable plan *Invest early and often *Never bear too much or too little risk *Never try to time the market *Use index funds when possible *Keep costs low *Diversify *Min...
by goingup
Wed Nov 14, 2018 10:40 am
Forum: Investing - Theory, News & General
Topic: Can someone explain specifically how the "bucket" approach to retirement withdrawals is supposed to work?
Replies: 75
Views: 5063

Re: Can someone explain specifically how the "bucket" approach to retirement withdrawals is supposed to work?

CULater- You might like reading Jane Bryant Quinn's book How to Make Your Money Last . It has a section that discusses bucketing. I recall the idea was to have a cash bucket, a bond bucket and a stock bucket. I have some of the same questions you do, though. How do you decide which bucket to use? Mo...
by goingup
Wed Nov 14, 2018 10:05 am
Forum: Investing - Help with Personal Investments
Topic: I can't take this anymore=) I'm selling stocks and buying bonds!
Replies: 129
Views: 19715

Re: I can't take this anymore=) I'm selling stocks and buying bonds!

FWIW, my net worth was down 55k last month, maybe 6 months of savings. It was the first time it had been down in 32 months. The total increase for the prior 32 months is +851k and maybe about 300k of that was new contributions. I think it's much easier if you've had a ton of gains in the market, in...
by goingup
Wed Nov 14, 2018 9:53 am
Forum: Investing - Theory, News & General
Topic: Investment advisors- is regulatory burden higher on fiduciaries?
Replies: 51
Views: 2135

Re: Investment advisors- is regulatory burden higher on fiduciaries?

I have a close friend who has used a financial advisor for close to 20 years. The advisor appears to be a good guy, and I even used him for a few hourly sessions perhaps 10 years ago at my friend's recommendation. Frankly, I'd be very happy for my friend. He's got an advisor he trusts. American Fun...
by goingup
Tue Nov 13, 2018 4:25 pm
Forum: Personal Consumer Issues
Topic: Garmins & Fitbits: Worth it for non-athletes?
Replies: 43
Views: 2833

Re: Garmins & Fitbits: Worth it for non-athletes?

I've worn my Fitbit Surge nearly every day for several years. I keep track of daily steps (goal is 10,000) and daily active minutes. I keep an eye on resting heart rate, too. The watch itself is great with big numbers for time and date. I can read texts on it too. The app on my smart phone displays ...
by goingup
Tue Nov 13, 2018 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: Dimensional Funds
Replies: 18
Views: 1673

Re: Dimensional Funds

I don't know anything about the merits of DFA funds except they are relatively low cost. The problem is that you need an advisor in order to access them. If you leave the advisor you can no longer contribute to them and you may be locked into them due to capital gains.
by goingup
Mon Nov 12, 2018 5:26 pm
Forum: Investing - Help with Personal Investments
Topic: Good time to TLH and which Vanguard funds to avoid wash sale?
Replies: 11
Views: 622

Re: Good time to TLH and which Vanguard funds to avoid wash sale?

fortfun- I consider TLH only a tax tool. If it does not benefit you, don't do it. Rather than thinking about harvesting losses, think instead about continuing to invest in this market as valuations become more appealing. TLHing can complicate a portfolio by adding additional funds that aren't necess...
by goingup
Mon Nov 12, 2018 5:16 pm
Forum: Personal Consumer Issues
Topic: Prepaying for Rental Car - Availability Guaranteed?
Replies: 21
Views: 1191

Re: Prepaying for Rental Car - Availability Guaranteed?

I don't expect it as more likely than not, but I figure if there's even perhaps a 5-10% chance of not being able to get from the airport to my relative's several hours drive away, I want to pre-empt that if possible. I would put the odds at less then 1%, if you have a reservation in the US at a nat...
by goingup
Mon Nov 12, 2018 9:39 am
Forum: Personal Finance (Not Investing)
Topic: USAA Multi Product Discount
Replies: 30
Views: 3047

Re: USAA Multi Product Discount

As much as I want to consolidate, the token mutual fund offers superb savings ...I consolidated OUT of USAA a few years ago, but with the savings your link is showing, the minimum is going right back in. I certainly hope it is only $1k... Curious as to what $$ amount is superb savings, if you care ...
by goingup
Mon Nov 12, 2018 9:03 am
Forum: Personal Consumer Issues
Topic: Prepaying for Rental Car - Availability Guaranteed?
Replies: 21
Views: 1191

Re: Prepaying for Rental Car - Availability Guaranteed?

I'm asking with respect to holiday travel, so I expect a relatively high risk of there not being a car available. We travel and rent cars nearly every holiday season. Just reserve in advance. You don't have to prepay unless the site you're using requires it. I use Costco Travel to book rental cars....
by goingup
Sun Nov 11, 2018 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: USAA Multi Product Discount
Replies: 30
Views: 3047

Re: USAA Multi Product Discount

As much as I want to consolidate, the token mutual fund offers superb savings ...I consolidated OUT of USAA a few years ago, but with the savings your link is showing, the minimum is going right back in. I certainly hope it is only $1k... Curious as to what $$ amount is superb savings, if you care ...