Search found 3172 matches

by goingup
Sun Sep 23, 2018 1:11 pm
Forum: Investing - Help with Personal Investments
Topic: Emotional Investor - I'm a mess and need help!
Replies: 50
Views: 2350

Re: Emotional Investor - I'm a mess and need help!

What do want the forum to do for you?

It seems you know you have a problem but don't want to change. If you can save $300K/year for 10-20 years it doesn't matter whether you buy stocks, T-bills or just put it in a shoe box. You'll be wealthy regardless. :wink:
by goingup
Sat Sep 22, 2018 1:59 pm
Forum: Investing - Theory, News & General
Topic: Has anyone gone to a Retirement Wealth Academy seminar?
Replies: 17
Views: 1551

Re: Has anyone gone to a Retirement Wealth Academy seminar?

1030danielle wrote:
Sat Sep 22, 2018 10:59 am
... free seminar... they say they are not selling anything...
Surely this must strike you as implausible. :confused They are selling life insurance, annuities, and financial services.
by goingup
Sat Sep 22, 2018 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvest (TLH) VWIUX
Replies: 52
Views: 3271

Re: NEW QUESTION: Harvest again in less than 31 days

I harvested from VWIUX (V. Int. Muni) to VMLUX (V. Limited T. Muni) on Sep. 14th...today is Sep 22d. VMLUX has a loss big enough to harvest. The price difference between those dates is .02. (2 cents). You must have a very large position to make that harvest worthwhile. I admit that I dislike TLH be...
by goingup
Fri Sep 21, 2018 8:05 pm
Forum: Investing - Theory, News & General
Topic: For those who use a 2 year cash(like) buffer, how do you know when to use it?
Replies: 66
Views: 4894

Re: For those who use a 2 year cash(like) buffer, how do you know when to use it?

Bogleheads do not usually consider a pre-retirement emergency fund as part of one's AA. It seems the same would hold true for a somewhat analogous post-retirement cash buffer. That's not quite true. Many do hold a cash allocation and include it in their AA. When a portfolio gets sufficiently large,...
by goingup
Tue Sep 18, 2018 12:04 pm
Forum: Personal Consumer Issues
Topic: Nytimes.com subscription price testing?
Replies: 9
Views: 780

Re: Nytimes.com subscription price testing?

Hmm. I pay $15 (or maybe $15.99) monthly for my digital subscription. I've had it for several years, and it's the same price it was when I signed up. Might be time to cancel for a bit and see what other offers I can drum up. Meg- I had digital at that price and decided to cancel. To cancel you must...
by goingup
Mon Sep 17, 2018 2:47 pm
Forum: Investing - Help with Personal Investments
Topic: Does cash at Ally count in my asset allocation?
Replies: 22
Views: 1887

Re: Does cash at Ally count in my asset allocation?

Yes, I think cash and CDs at Ally are part of your AA. Our cash allocation is 5% or so. No special emergency fund. I see folks post here who say they are 100% in equities, but meanwhile they hold a huge cash reserve. Guess it's not my business, but they are deluding themselves about their risk appet...
by goingup
Fri Sep 14, 2018 12:40 pm
Forum: Investing - Help with Personal Investments
Topic: 40/60 allocation returns ytd
Replies: 24
Views: 2583

Re: 40/60 allocation returns ytd

Wellesley holders might want to think about busting out of the single-fund approach... That's not how most Wellesley investors roll. :D The W/W fund holders are in them for the long long haul. A season of soft performance doesn't mean much. (Wellington fund holder here, so I'm projecting a little.)
by goingup
Thu Sep 13, 2018 7:59 am
Forum: Personal Consumer Issues
Topic: 401k "advice" to my associates
Replies: 51
Views: 2088

Re: 401k "advice" to my associates

I don't think the skip-a-latte advice is all that great, and I remember at that age finding it somewhat insulting, to be honest. The idea that if anyone has any discretionary money they're an irresponsible slacker who needs to be educated really isn't a fair assumption, and however well intentioned...
by goingup
Wed Sep 12, 2018 3:45 pm
Forum: Investing - Help with Personal Investments
Topic: Upper six-figures portfolio & tax management part 2
Replies: 18
Views: 2590

Re: Upper six-figures portfolio & tax management part 2

Why not put more bonds in IIRA-2? That seems like the easiest fix. And with a large taxable portfolio I personally don't think you need an "emergency fund". Just count that 15K as part of your bond/cash allocation. I'd also max out that 401K. With a paid off house, car and no debt, maxing it should ...
by goingup
Wed Sep 12, 2018 9:49 am
Forum: Investing - Help with Personal Investments
Topic: 401K vs Taxable Brokerage Account
Replies: 17
Views: 1290

Re: 401K vs Taxable Brokerage Account

...and also having your money locked up for decades. That is one of the best features of a workplace savings plan! The money is in the vault, safe (relatively) from being used for things other than retirement. Automated savings, compounded growth, tax-deferment. All good. Of course, a taxable accou...
by goingup
Wed Sep 12, 2018 9:08 am
Forum: Investing - Theory, News & General
Topic: [A Boglehead explains the simplest way to manage your money - alternative viewpoint]
Replies: 45
Views: 4508

Re: [A Boglehead explains the simplest way to manage your money - alternative viewpoint]

I feel like Earl got put on the spot a bit. He wasn't trying to be anybody's role model. Obviously he has a well organized portfolio. I believe the redundancy is the result of having multiple brokerage accounts due to "chasing" new account incentives.

Simplicity is not everyone's goal.
by goingup
Wed Sep 12, 2018 8:50 am
Forum: Investing - Help with Personal Investments
Topic: Need to make major rebalance to bonds - help
Replies: 19
Views: 2001

Re: Need to make major rebalance to bonds - help

Any good blended or balanced funds in your 401K? Sometimes the ER is lower than solo bond funds. Also, muni bond funds, especially Vanguard's are low cost and can help solve your problem. well, I'm not sure how to assess "good". my choices are Fidelity Stable Pool Fund (ER 0.49%) PIMCO Total Return...
by goingup
Tue Sep 11, 2018 2:08 pm
Forum: Investing - Help with Personal Investments
Topic: Need to make major rebalance to bonds - help
Replies: 19
Views: 2001

Re: Need to make major rebalance to bonds - help

Any good blended or balanced funds in your 401K? Sometimes the ER is lower than solo bond funds. Also, muni bond funds, especially Vanguard's are low cost and can help solve your problem.
by goingup
Tue Sep 11, 2018 2:03 pm
Forum: Investing - Help with Personal Investments
Topic: Timing entry into Fidelity Zero index funds
Replies: 10
Views: 1251

Re: Timing entry into Fidelity Zero index funds

If you start in buying into them... and 6 months or a year from now you don't like... What prevents you from selling if it is not what you wanted?? Short-term capital gains. (That is, if you purchase the funds for a taxable account.) In taxable accounts, especially with large purchases, it's import...
by goingup
Tue Sep 11, 2018 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: Going off-track of asset allocation due to high savings rate
Replies: 47
Views: 2830

Re: Going off-track of asset allocation due to high savings rate

Essentially, I'm trying to make AA purchase decisions according to my AA but with a NW total that's different than what mine is in actuality. I don't understand this but it's causing you a problem, so maybe stop doing that. :D Basically, I learned that my own personal psychology tends to have me bu...
by goingup
Tue Sep 11, 2018 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: Wash sale question
Replies: 7
Views: 293

Re: Wash sale question

Not an expert here, but I'm considering selling an international fund for a loss and will sell everything in red, and one dividend distribution that's at a gain to solve the problem you mentioned. Not a big deal. Yes, you can control dividends. Just direct dividends elsewhere--another fund or your o...
by goingup
Tue Sep 11, 2018 9:20 am
Forum: Investing - Help with Personal Investments
Topic: Timing entry into Fidelity Zero index funds
Replies: 10
Views: 1251

Re: Timing entry into Fidelity Zero index funds

If you start in buying into them... and 6 months or a year from now you don't like... What prevents you from selling if it is not what you wanted?? Short-term capital gains. (That is, if you purchase the funds for a taxable account.) In taxable accounts, especially with large purchases, it's import...
by goingup
Sat Sep 08, 2018 5:26 pm
Forum: Investing - Help with Personal Investments
Topic: Asset allocation after paying off mortgage
Replies: 22
Views: 1793

Re: Asset allocation after paying off mortgage

I think having a paid off home (and rental property) makes me more OK about letting our portfolio drift up from 60/40. We're on the cusp of retirement (57 & 49), and have adequate bonds/cash for 10 years. I haven't seen a discussion here about adjusting risk tolerance after the mortgage has been pai...
by goingup
Sat Sep 08, 2018 9:31 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Preservation Fund(s)
Replies: 13
Views: 1067

Re: Portfolio Preservation Fund(s)

squeat wrote:
Fri Sep 07, 2018 8:07 pm
She wants to preserve the legacy of that portfolio and doesn't want to be responsible for losing it in a down market.
The easy answer is to keep it invested just as the decedent had. That lets you and her off the hook.
by goingup
Fri Sep 07, 2018 9:31 am
Forum: Investing - Theory, News & General
Topic: Mutual Fund Fee Wars Will Encourage Bad Behavior
Replies: 26
Views: 2623

Re: Mutual Fund Fee Wars Will Encourage Bad Behavior

The good news is that brokerages are removing the high cost barriers to buying shares and investing. We now have easy on-line access to our accounts, low or no minimum purchases, low or zero purchase fees, and minuscule fund ERs. Really there's never been a better scenario for low-cost investing. Ho...
by goingup
Thu Sep 06, 2018 9:55 am
Forum: Investing - Help with Personal Investments
Topic: [Help] Balancing Portfolio and some questions
Replies: 18
Views: 1227

Re: [Help] Balancing Portfolio and some questions

shinnoobie- I like your extensive use of Target Date Funds. They are diversified and expertly composed. I wouldn't change a thing, except to max out your 401K and Roth accounts if your income allows. It's normal that 401K plans have expenses but that doesn't negate the importance of automated, tax-d...
by goingup
Wed Sep 05, 2018 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Sell our new home to downsize
Replies: 37
Views: 3421

Re: Sell our new home to downsize

Buyers remorse. $750 is way too much for extra mortgage payment. Moving will cost you more than what you think you will save. Stay the course (scale back those extra mortgage payments) I agree. In addition, you've missed the heart of the home selling season (April-August). Skip the extra principal ...
by goingup
Sat Sep 01, 2018 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: How to handle assets in old taxable account
Replies: 10
Views: 760

Re: How to handle assets in old taxable account

Sell any losers to offset gainers you sell Don't reinvest dividends Wait for a significant market pullback then sell (and buy index funds) I'd try to work through it over a couple years. I don't sweat small stuff but the taxes here aren't trivial. Why would you sell on a pullback? You only pay cap ...
by goingup
Sat Sep 01, 2018 12:27 pm
Forum: Investing - Help with Personal Investments
Topic: Don't Look and Have A Doctor Waiting When You DO
Replies: 35
Views: 5705

Re: Don't Look and Have A Doctor Waiting When You DO

I think he literally means it. Here's a excerpt of an interview in Forbes: https://www.forbes.com/sites/davidmarotta/2014/11/10/bogles-best-advice-dont-peek/#60e3fd7c51fa “As I have said before, the daily machinations of the stock market are like a tale told by an idiot, full of sound and fury, sign...
by goingup
Fri Aug 31, 2018 4:25 pm
Forum: Investing - Theory, News & General
Topic: Amazed by Vanguard Wellington's Performance
Replies: 71
Views: 15289

Re: Amazed by Vanguard Wellington's Performance

So far in 2018, Wellington is getting beat up pretty badly due to it's low exposure to the tech sector. You're correct. Tech is growthy and Wellington is a value oriented fund. Value stocks have been lagging. It also holds international stocks and bonds, which haven't been helping either. We've hel...
by goingup
Fri Aug 31, 2018 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: Evaluate Vanguard's Proposed Plan for my portfolio
Replies: 22
Views: 2196

Re: Evaluate Vanguard's Proposed Plan for my portfolio

The plan would not hold appeal for me. Too complicated. I favor rebalancing rarely. Things usually don't fall out of whack for several years.

I'd keep the SP500. With new money purchase Total International fund. Hold bond funds in your 401K. Keep it simple and don't pay PAS .30% to overcomplicate.
by goingup
Fri Aug 31, 2018 2:37 pm
Forum: Investing - Help with Personal Investments
Topic: How to handle assets in old taxable account
Replies: 10
Views: 760

Re: How to handle assets in old taxable account

Sell any losers to offset gainers you sell
Don't reinvest dividends
Wait for a significant market pullback then sell (and buy index funds)

I'd try to work through it over a couple years. I don't sweat small stuff but the taxes here aren't trivial.
by goingup
Thu Aug 30, 2018 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Zelle, online payments
Replies: 53
Views: 4361

Re: Zelle, online payments

Question- What are the situations where you use a service like Zelle or Venmo? Obviously I haven't used either but am intrigued. dinner movies rent. anything that you would split with someone else. some banks charge to transfer money to another banks account. this is free. Thanks. Seems useful for ...
by goingup
Thu Aug 30, 2018 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Zelle, online payments
Replies: 53
Views: 4361

Re: Zelle, online payments

Question-
What are the situations where you use a service like Zelle or Venmo? Obviously I haven't used either but am intrigued.
by goingup
Wed Aug 29, 2018 9:45 am
Forum: Investing - Help with Personal Investments
Topic: 2018 August - Dollar Cost Averaging vs LumpSum of 420k
Replies: 39
Views: 2890

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

I was thinking of maybe sticking around 50k immediately into the current portfolio and then sending the remaining in installments. If I was doing the remaining (370k) as installments should I be distributing them over a 12 month period? That's fine. Now write your plan down and set it up with auto-...
by goingup
Fri Aug 24, 2018 10:19 am
Forum: Investing - Help with Personal Investments
Topic: Start With PAS and Graduate to DIY
Replies: 16
Views: 844

Re: Start With PAS and Graduate to DIY

JustWantToGetItRight-
Your plan to use PAS at this point is a good one, based on your remarks about risk tolerance. A Target Fund in your 401K and Roth is great, but usually not the best for a taxable account.

I'd encourage you to call Vanguard and get going with Portfolio Advisory Services. :beer
by goingup
Wed Aug 22, 2018 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Looking to provide free personal finance advice
Replies: 11
Views: 1495

Re: Looking to provide free personal finance advice

Classof2023 wrote:
Tue Aug 21, 2018 1:38 am
I have some extra time in my life at this point and I’m looking for a way to pass my experience on to my community. I’m curious if any of you have found a way to give back.
One first step is starting to post here. Lots of new investors come here looking for direction.
by goingup
Wed Aug 22, 2018 9:17 am
Forum: Investing - Help with Personal Investments
Topic: Ameriprise Proprietary Funds
Replies: 3
Views: 259

Re: Ameriprise Proprietary Funds

Sell the proprietary funds while at Ameriprise. Have Vanguard pull the cash over to a new Roth. Then purchase new funds inside your Vanguard Roth. Close your account at Ameriprise. :beer
by goingup
Wed Aug 22, 2018 8:58 am
Forum: Investing - Help with Personal Investments
Topic: Target funds for both taxable and tax advantage account?
Replies: 24
Views: 2009

Re: Target funds for both taxable and tax advantage account?

A Target fund is not a good choice for your taxable account given your tax bracket. The bond portion of Target Funds churns out dividends which are taxed as income. As years pass the Target Fund gets more bond heavy and the tax pain increases, especially on large accounts. Instead use broad total ma...
by goingup
Tue Aug 21, 2018 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Giving away donation receipts
Replies: 22
Views: 1587

Re: Giving away donation receipts

David Sq wrote:
Tue Aug 21, 2018 5:58 am
What are your thoughts on my giving the receipt for these things to a friend or family member that can itemize them?
We don't itemize any longer either. Dropped off donations last week. Declined the receipt. My advice is just decline the receipt and move on.
by goingup
Mon Aug 20, 2018 3:52 pm
Forum: Investing - Help with Personal Investments
Topic: dollar cost averaging
Replies: 14
Views: 1453

Re: dollar cost averaging

rtl-
I'm not suggesting lump sum to you because of its statistical favorability. I'm suggesting it because you're already invested. Investing now to your new allocation is just maintaining status quo. You're invested now, stay invested.
by goingup
Mon Aug 20, 2018 8:52 am
Forum: Investing - Help with Personal Investments
Topic: dollar cost averaging
Replies: 14
Views: 1453

Re: dollar cost averaging

I have a reallocation question. I have about 200K stocks from my previous company that I will be liquidating (as per company policy - non public traded stocks) and rolling over to my vanguard IRA account. The 200k will be parked in a money market account. I also have 300K already in the same vangua...
by goingup
Mon Aug 20, 2018 8:14 am
Forum: Investing - Help with Personal Investments
Topic: Allocating 30% across accounts given conditions
Replies: 10
Views: 733

Re: Allocating 30% across accounts given conditions

Contributing to your 403B lowers your taxable income, and allows you to contribute $18,500 plus your employer match. Utilizing 2 Roths (you and your wife) and your 403B is a great combination. (I admit I've never had an HSA account.)
by goingup
Sun Aug 19, 2018 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: Mortgage Tradeoffs - What Would you do?
Replies: 16
Views: 943

Re: Mortgage Tradeoffs - What Would you do?

We had similar thought process to yours earlier this year. A balance of $224K on a 3.375 mortgage, nearing retirement. The difference for us was we weren't able to reach standard deduction limit so itemizing was no longer viable. It made sense for us to pay it off. I think your situation is less cle...
by goingup
Sun Aug 19, 2018 3:41 pm
Forum: Investing - Help with Personal Investments
Topic: Transferring Tax-Advantaged Small-Cap to another broker
Replies: 7
Views: 332

Re: Transferring Tax-Advantaged Small-Cap to another broker

After checking Vanguard site, I believe there is not an ETF share class for VTMSX. Check with the receiving broker to see if they accept VTMSX, allowing you to hold admiral shares but not purchase new shares.
by goingup
Sun Aug 19, 2018 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Money Market Funds vs. Online Banks
Replies: 38
Views: 3665

Re: Money Market Funds vs. Online Banks

I use Prime MM. Convenient. Good yield and have no worry about stewardship with Vanguard. We have very few financial institution relationships for simplicity sake.
by goingup
Sat Aug 18, 2018 9:00 am
Forum: Investing - Help with Personal Investments
Topic: Automatic Investment in a Taxable Account
Replies: 20
Views: 1914

Re: Automatic Investment in a Taxable Account

I have used automatic mutual fund investing for a long time. And auto reinvestment of dividends. It's a great way to accrue wealth. It's easy, automatic and hands-off. Use broad index funds which are tax-efficient. Dividends will be qualified (mostly) and very little in cap gains distributions. Keep...
by goingup
Sat Aug 18, 2018 8:46 am
Forum: Investing - Theory, News & General
Topic: Capital Gains on an Index Fund
Replies: 25
Views: 1536

Re: Capital Gains on an Index Fund

If you must rebalance do it in a tax-advantaged account. Or do it with new contributions.
by goingup
Fri Aug 17, 2018 9:48 am
Forum: Investing - Help with Personal Investments
Topic: Advisor Dumped, Now How to Best Simplify
Replies: 20
Views: 2566

Re: Advisor Dumped, Now How to Best Simplify

I've recently parted ways with my advisor and converted my institutional account to a retail account. I'm hoping you're at Schwab or Fidelity. Hopefully a low-cost broker. I'd sell everything and book that small loss. Your taxable account should be tax-efficient and complement the holdings in your ...
by goingup
Fri Aug 17, 2018 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Need advice on where to keep safe money
Replies: 10
Views: 1501

Re: Need advice on where to keep safe money

aquamarine wrote:
Thu Aug 16, 2018 9:06 pm
I would just do vanguard prime money market but that is not fdic insured if I'm not mistaken. (Is that not a big concern?)
Using Vanguard Money Market funds never gives me a moment's worry. Have used various ones for 20 years. Why start a new account at a new institution? Keep it simple.
by goingup
Thu Aug 16, 2018 4:15 pm
Forum: Investing - Theory, News & General
Topic: "Fidelity Zero vs Vanguard: Which index fund is better?"
Replies: 9
Views: 1005

Re: "Fidelity Zero vs Vanguard: Which index fund is better?"

The author makes an interesting observation that Dreyfus funds (now part of BNY Mellon) invested his money in their funds, and then raised fees after a while, and presumably he could not cash out due to capital gains. Definitely something to keep in mind for people considering investing in these "z...
by goingup
Thu Aug 16, 2018 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Terminating an employee with company car
Replies: 62
Views: 6135

Re: Terminating an employee with company car

The way it happens at my partner's company: *Termination happens at the office *Relinquish all company property immediately- car, phone, credit cards, laptops *HR takes everything, gives final check *Transportation is arranged by employee It's designed to happen as quickly as possible and limit the ...
by goingup
Tue Aug 14, 2018 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: American Funds Option in 401k
Replies: 2
Views: 243

Re: American Funds Option in 401k

Welcome here! My partner has used American Funds Balanced R-6 ER.28 exclusively for more than 10 years in a 401K. I'm a fan of American Funds, especially in 401K plans where they have no loads! American Balanced is about 65/35 (stock/bond) and is primarily a US fund. I'd compare it to Wellington Fun...
by goingup
Mon Aug 13, 2018 11:25 am
Forum: Investing - Help with Personal Investments
Topic: Avoid unqualified dividends by selling a lot too quickly when TLH.
Replies: 7
Views: 1252

Re: Avoid unqualified dividends by selling a lot too quickly when TLH.

I'll give your thread a bump for more visibility. I'm not an expert but I've done a few TLHs. Turn off dividend reinvestment in both your old fund and the new fund. Take dividends in cash. There will be no issue about qualified/unqualified. From experience, don't count on being able to do a round tr...
by goingup
Mon Aug 13, 2018 9:33 am
Forum: Investing - Help with Personal Investments
Topic: Please comment on our retirement allocation
Replies: 9
Views: 1075

Re: Please comment on our retirement allocation

Your portfolio is very appropriate for your situation. I wouldn't change it at all.