Search found 216 matches
- Mon Dec 30, 2019 12:40 pm
- Forum: Personal Investments
- Topic: Secure act - should I shift to taxable
- Replies: 69
- Views: 8363
Re: Secure act - should I shift to taxable
True that the Roth conversions look more appealing now then before however I worry that it will be the next vehicle picked don to pay taxes or prop up Social Security. For now I will balance some in deferred and some as a Roth hedging for the next "Secure Act" type change that will probabl...
- Sun Dec 29, 2019 12:48 pm
- Forum: Personal Investments
- Topic: Bond allocation
- Replies: 8
- Views: 520
Re: Bond allocation
It might be good to consider some tax efficient munis vs money market that has just a 250k FDIC insurance.
VTEB or something similar might be good for 500k of those funds. I don't think you are to agressive with a SS and pension backing.
VTEB or something similar might be good for 500k of those funds. I don't think you are to agressive with a SS and pension backing.
- Sat Dec 28, 2019 1:55 pm
- Forum: Personal Investments
- Topic: Exit strategy from Edward Jones - Novice
- Replies: 75
- Views: 6768
Re: Exit strategy from Edward Jones - Novice
My EJ representative, and his assistant, have become friends. This will be very difficult for me but, I know I must make the change. You are 55. If you stay with EJ and live 30 more years they can easily siphon off half of your portfolio. I don't have any friends that good. With friends like that.....
- Sat Dec 28, 2019 1:38 pm
- Forum: Personal Investments
- Topic: Should I sell my farmland and buy stocks?
- Replies: 65
- Views: 5514
Re: Should I sell my farmland and buy stocks?
I would list it for say 1.1 million or a pretty bold price and if it sells then take the gains and invest. The rent is way off for the value and I cant imagine it barely covers the property taxes and then you are taxes on the gain from there so it may not even break even. The run up on value had a l...
- Mon Oct 07, 2019 11:38 pm
- Forum: Personal Investments
- Topic: New investor... Am I crazy?
- Replies: 42
- Views: 4548
Re: New investor... Am I crazy?
I would split the money and run a : 2mill VTI(40%), VXUS(20%), BND(30%), BNDX(10%) and 2mill VPMAX(40%), VZICX (20%), BNDW (40%) See what one wins. find a good fee only CFP to help strategize a trust, tax planning, will, insurance (umbrella ect..) and all the other things you should do to preserve y...
- Mon Oct 07, 2019 10:43 pm
- Forum: Personal Consumer Issues
- Topic: Router for Small Apartment
- Replies: 18
- Views: 1536
Re: Router for Small Apartment
I had a 7000 then a 7800 and now have the RAX75 ($220 from Costco on sale). And would think the 7800 for $100ish would do great for 100mbps in an apartment. ASUS also has some good options for around $100. Look for one that has the 80mhz bands for phones and MUMIMO support.
- Tue Oct 01, 2019 10:46 pm
- Forum: Investing - Theory, News & General
- Topic: Press Release 10/1/19--Vanguard Adds To Its Active Lineup With Launch Of International Core Stock Fund
- Replies: 68
- Views: 8372
Re: Press Release 10/1/19--Vanguard Adds To Its Active Lineup With Launch Of International Core Stock Fund
Considering the broad scope of international funds and multitude of risk factors its probably worth having this run with some degree of active research. I may split my international half and half between the index and this core fund and monitor the outcome.
- Thu Nov 15, 2018 3:08 pm
- Forum: Personal Investments
- Topic: My Grandmother has 80% stocks
- Replies: 55
- Views: 6263
Re: My Grandmother has 80% stocks
If she depends on income from this money then she should consider a rebalance, she might have been balanced 5-10 years ago but with equity appreciation she may not be able to weather the risks. Not that you should take anything over but you should have her talk with a planner at vanguard or take one...
- Thu Nov 15, 2018 1:59 pm
- Forum: Personal Investments
- Topic: Oops! Edward Jones tops Vanguard in customer survey
- Replies: 50
- Views: 5728
Re: Oops! Edward Jones tops Vanguard in customer survey
Edward Jones will become your best friend for about 1% of your net worth per annum. Their Assets Under Management fees are 1.35% a year, if I remember right. That also doesn't cover the expense ratios of the underlying funds, but in Edward Jones defense are cheaper funds. But still too expensive. D...
- Fri Nov 09, 2018 1:34 pm
- Forum: Personal Investments
- Topic: Workplace 401k Fees being added
- Replies: 7
- Views: 984
Re: Workplace 401k Fees being added
I am not a lawyer but you may want to have one draft a letter regarding equitable fee management for the program. There has been litigation against institutions that have implemented changes without employee input, counsel or a committee. If it cost you a hundred or two not a huge but thousands is n...
- Fri Nov 09, 2018 1:13 pm
- Forum: Personal Investments
- Topic: Help - Expect to inherit relatively large sum
- Replies: 12
- Views: 2490
Re: Help - Expect to inherit relatively large sum
There may be one thing worse that not inheriting a large sum and that may well be inheriting a large sum. I agree, pay your loans, then find a cause and give it all away. Or use it to give your talents away to the world and work for free. That may just be the way that money can buy happyness. Sorry...
- Wed Oct 10, 2018 12:23 pm
- Forum: Personal Investments
- Topic: Investment advice for a friend in her nineties
- Replies: 22
- Views: 2129
Re: Investment advice for a friend in her nineties
How much money and what are her expenses, does she get SSI? Does she want to leave anything left over for relatives or charity? If it is not essential she could probably put in 10 - 20% into equities with little concern and set the rest up in CD ladders for funds as needed along with high return sav...
- Thu Sep 27, 2018 10:59 am
- Forum: Personal Investments
- Topic: Preparing for My First Recession?
- Replies: 63
- Views: 8422
Re: Preparing for My First Recession?
You need to look at a recession as an opportunity to buy stock on sale. I would say if you had 25% in bonds you could set a benchmark for re-balance to trade those bonds for stocks on say a 20% dip, 30% dip or 40% dip to capture the opportunity while still backstopping your holdings. I like to lever...
- Wed Sep 26, 2018 10:51 am
- Forum: Personal Investments
- Topic: Monte Carlo Simulation
- Replies: 13
- Views: 1842
Re: Monte Carlo Simulation
I would try this against the montecarlo as well https://firecalc.com/ - make sure to tune it accordingly
- Thu Sep 20, 2018 2:22 pm
- Forum: Personal Investments
- Topic: So new to all this it hurts!
- Replies: 27
- Views: 3950
Re: So new to all this it hurts!
Try running these two tools to see how you fare for risk tolerance https://personal.vanguard.com/us/FundsInvQuestionnaire and for funds longevity https://retirementplans.vanguard.com/VGApp/pe/pubeducation/calculators/RetirementNestEggCalc.jsf They can be used in combination to get an idea of where a...
- Thu Sep 20, 2018 2:17 pm
- Forum: Personal Investments
- Topic: Newbie with no idea where to invest
- Replies: 18
- Views: 1265
Re: Newbie with no idea where to invest
Thank you Jordan. I thought I was doing okay but when I started listening to Dave Ramsey and how you can make an average of 12%/yr and I realized I had a ton of cash just sitting in a bank and did not even know the logins to my IRA or 401k accounts that my dad insisted I contribute to when I starte...
- Thu Sep 20, 2018 1:56 pm
- Forum: Personal Investments
- Topic: Philanthropy 101
- Replies: 13
- Views: 1045
Re: Philanthropy 101
I plan to give pretax direct from my retirement account when I am in my withdrawal phase to maximize the contribution, you can also have this count against RMD. If I retire early I would make my new job to mentor, volunteer help where I see I can do this most good. I hope the option to give directly...
- Thu Sep 20, 2018 1:50 pm
- Forum: Personal Investments
- Topic: 40/60 allocation returns ytd
- Replies: 29
- Views: 5455
Re: 40/60 allocation returns ytd
I have a 55/45 custom portfolio that has returned about 1.7%ytd made up of standard cores with 20% Total International Bonds 33% Total International Stock and the rest domestic. I have a return of around 4.7% on VTMFX witch is a 50/50 balanced tax managed fund.
- Thu Sep 20, 2018 1:10 pm
- Forum: Personal Investments
- Topic: Paying off mortgage vs investing?
- Replies: 20
- Views: 2712
Re: Paying off mortgage vs investing?
I think of my mortgage balance as an inverse hedge against inflation or hyper inflation. Not a terrible thing to have and when young there should be plenty of time to cover it but would probably have it paid in full before retirement and use it as real estate value in my portfolio. Make sure you hav...
- Tue Sep 18, 2018 2:56 pm
- Forum: Personal Investments
- Topic: Portfolio Review, Age 31, $1.5 million net worth
- Replies: 38
- Views: 9529
Re: Portfolio Review, Age 31, $1.5 million net worth
I would optimize and put all bond funds into retirement accounts and keep the stocks in the taxable. Careful with who you find as a spouse with this kind of net worth. Insist on a prenup or find someone with similar fiscal stability as there could be potential for abuse. 1. Municpal bonds? I would b...
- Thu Sep 13, 2018 2:20 pm
- Forum: Personal Investments
- Topic: Vanguard adding commission free index funds, better core replacements?
- Replies: 8
- Views: 1403
Re: Vanguard adding commission free index funds, better core replacements?
Thanks for the thoughts on the other funds. I will probably stay with the Vanguard selections for now unless I see something stand out. Some hedges in tech, med equity ect.. are mostly afforded by them as well with high quality options. I do think their precious metals and mining fund is not up to p...
- Fri Sep 07, 2018 9:04 am
- Forum: Personal Investments
- Topic: Vanguard adding commission free index funds, better core replacements?
- Replies: 8
- Views: 1403
Vanguard adding commission free index funds, better core replacements?
With vanguard adding commission free index funds do you think there are better core replacements? List https://personal.vanguard.com/pdf/etfcfl.pdf Looking are replacing VTI - SCHB or IW? https://www.morningstar.com/etfs/arcx/vti/quote.html https://www.morningstar.com/etfs/arcx/schb/quote.html <-- ....
- Tue Nov 21, 2017 3:39 pm
- Forum: Personal Investments
- Topic: Vanguard on 2018
- Replies: 11
- Views: 2858
Re: Vanguard on 2018
Or more, or less
flip a coin, gamble...
or just diversify and allocate/re-balance according to risk per IPS - don't get excited
how well did they do for predictions for 2017?
flip a coin, gamble...
or just diversify and allocate/re-balance according to risk per IPS - don't get excited
how well did they do for predictions for 2017?
- Fri Nov 10, 2017 12:10 pm
- Forum: Investing - Theory, News & General
- Topic: Do you keep anything in your portfolio as a monument to your bad decisions?
- Replies: 69
- Views: 6626
Re: Do you keep anything in your portfolio as a monument to your bad decisions?
Iraqi Dinar, poor country is still in shambles after the 1 trillion + the US put into it. Some gold and silver.... Not really bad since it can be an Apocalypse hedge Had some booze but I consumed that hedge :-) Never hurts to have common ammo or firearms for hard currency in case of total collapse l...
- Fri Oct 27, 2017 12:31 pm
- Forum: Personal Investments
- Topic: Index investing is boring
- Replies: 63
- Views: 7697
Re: Index investing is boring
There is a point where you can be active ( in some regard to timing) if you contribute to a Roth IRA. Just wait till the point in the calendar year when you think equities and or securities are most distressed and buy in a little or a lot at those times. Track the investment and see how well you did...
- Wed Oct 11, 2017 10:46 am
- Forum: Personal Investments
- Topic: 2M savings investment help
- Replies: 49
- Views: 11521
Re: 2M savings investment help
I would not do any less risk than an 50/50 equity/security fund. Make sure to get keep all your equities on the taxable side and get as many securities into the retirement funds unless muni bonds. Keep maybe 100-200k in a ally 1.5% CD for quick access cash based on need. Good problem to have at your...
- Thu Sep 21, 2017 2:54 pm
- Forum: Personal Investments
- Topic: Bonds - Ugh
- Replies: 26
- Views: 2739
Re: Bonds - Ugh
Its when something looks bleak is when it has great potential. Don't look in the past year /5 /10 ect... put them in at a comfortable % for your age usually topping out at 50-70% when you retire. Stocks could crash to 40 cents or less on the dollar in a few months any day/month/year now so there is ...
- Thu Sep 14, 2017 1:25 pm
- Forum: Personal Investments
- Topic: Investing parents nest egg -- any final thoughts?
- Replies: 37
- Views: 3789
Re: Investing parents nest egg -- any final thoughts?
I would carve it out: 50% total stock 15% international 25% total bond 10% total international bond Try to start with 4% and see how far they can run with it for the year. Better to keep as much as you can working for them while it can be earning. You might want to run this simulation below and show...
- Fri Sep 08, 2017 8:39 am
- Forum: Personal Investments
- Topic: 100k taxable camp site
- Replies: 10
- Views: 1793
Re: 100k taxable camp site
I appreciate all the wisdom and input. I like the tax managed suggestions but it looks too leveraged in muni bonds which they are adverse to. i also appreciate the suggestion of ROTH conversion while in the 15% bracket with the extra wiggle room. I am going to keep suggesting they keep this in equit...
- Thu Sep 07, 2017 2:55 pm
- Forum: Personal Investments
- Topic: 100k taxable camp site
- Replies: 10
- Views: 1793
Re: 100k taxable camp site
I suggested that re-balance approach for the best tax efficiency however they want to keep this amount segregated and accountable in and of itself. I think if its used for a family purchase(s) down the line they know how much it has earned and how much has been used so they can keep it segregated fr...
- Thu Sep 07, 2017 2:19 pm
- Forum: Personal Investments
- Topic: 100k taxable camp site
- Replies: 10
- Views: 1793
100k taxable camp site
A family friend around 40 in the 15% tax bracket have 100k (after tax) worth of proceeds for a sale. They are looking to camp this money (10-20yrs?)and are considering some of Vanguards balance funds vs. a slice and dice to keep it simple and contained. From what they described they are set with fun...
- Wed Aug 30, 2017 9:14 am
- Forum: Personal Investments
- Topic: First time with a 403b
- Replies: 8
- Views: 753
Re: First time with a 403b
Dont roll into Creff - use Vanguard for a Roth if/when you do one For choices the equity index and Traditional are about as good as you get from them. Try to appeal to your employer to add Vanguard institutional index to the bucket of choices. Its important to note that their funds are a hybrid acti...
- Thu Aug 17, 2017 11:13 am
- Forum: Personal Investments
- Topic: Which Audible book for Mom to convince her to get away from Raymond James
- Replies: 19
- Views: 2511
Re: Which Audible book for Mom to convince her to get away from Raymond James
Compute the sum of the annual fees with the 1.25% adviser and the .3% VG service, compound this over 10 or 15 years to show how much she is throwing away. Keep the argument simple and focused, get Vanguard on the phone to discuss the service so you have a 3rd party making the case. Funny as family m...
- Tue Jul 18, 2017 12:14 pm
- Forum: Personal Investments
- Topic: Need investing advice
- Replies: 23
- Views: 2918
Re: Need investing advice
With 6 kids you will need a fair amount for expenses. I would not be in a rush to invest a lot of the money pending the outcome of the job search. Passive income on 280k will be peanuts and don't plan for marriage expenses when you are without a job and almost 50. Kids getting married can figure out...
- Thu Jun 29, 2017 12:51 pm
- Forum: Personal Consumer Issues
- Topic: Do you buy phone outright or pay it off monthly...
- Replies: 63
- Views: 8612
Re: Do you buy phone outright or pay it off monthly...
new $150-$200 phone 1 or 2 gen behind is just fine these days. have a $30-$40 burner around in case you have issues and need warrany or need to shop for another. $700 for a phone with marginal improvements is laughable.
- Wed Jun 28, 2017 2:52 pm
- Forum: Personal Investments
- Topic: New to Investing. $25,000 to Invest.
- Replies: 20
- Views: 2977
Re: New to Investing. $25,000 to Invest.
I would keep at least 15-20k highly available, perhaps the Ally CD or the like and max out the 401k till you use up the other 5-10k then dial it back and keep the course with whatever you prefer. An 30 80/20 seems pretty good. I would keep it simple with 60% VINIX 20 % VTRIX and maybe a split 10%/10...
- Wed Jun 28, 2017 8:17 am
- Forum: Personal Finance (Not Investing)
- Topic: Financing Engagement Ring/ Credit Score Potential Consequences
- Replies: 39
- Views: 4232
Re: Financing Engagement Ring/ Credit Score Potential Consequences
Going to give you a tip on diamonds, anything you find in the store will be 100-200% more than you can pay for one online from a reputable dealer with a return policy. I got a stone that had a rappaort for 8-10k for $1500 and put it in a $500 setting. For 2500 you could probably find a 1ct SI2 or be...
- Tue Jun 27, 2017 2:54 pm
- Forum: Personal Finance (Not Investing)
- Topic: Realtor fee negotiations
- Replies: 27
- Views: 3917
Re: Realtor fee negotiations
If Criag, Zillow/Trula do no good consider a flat fee agent to get it in for a couple hundred bucks and you can pay whatever buyer broker commission you want.
- Tue Jun 27, 2017 2:49 pm
- Forum: Personal Finance (Not Investing)
- Topic: Can we/should we afford a $2M house?
- Replies: 96
- Views: 20226
Re: Can we/should we afford a $2M house?
Net worth of 900k considering a 2m house? I would say no, sure you have good income to afford it and 25% down but you are putting an enormous chunk into one asset on one region. Can you get it partially unfinished and complete that later when you have cash to pay it outright? Perhaps that might be a...
- Tue Jun 27, 2017 2:42 pm
- Forum: Personal Finance (Not Investing)
- Topic: Need help to sell family farm.
- Replies: 41
- Views: 6320
Re: Problems with sale of property. Please help.
I would try to avoid an agent for this sort of sale. If they are trying to get 6% you will toss 60k to them. If the suggestion of contact to the top 10-15 subsidy receivers in the region yields no offers or bids then maybe a flat fee listing might be something more economical and spend some on the p...
- Thu Jun 22, 2017 11:20 am
- Forum: Personal Investments
- Topic: Trying to Help a friend w/ 401K Fund choice
- Replies: 4
- Views: 673
Re: Trying to Help a friend w/ 401K Fund choice
Can you do an in service distribution since they are changing? If not then my allocation would be: 20 % - Principal Global Large Cap S&P 500 Index Expense Gross - 0.18% 7% - Principle Global Investors Midcap S&P 400 Expense Gross - 0.18% 3 % - Principle Global Investors Smallcap S&P 600 ...
- Thu Jun 22, 2017 10:54 am
- Forum: Personal Finance (Not Investing)
- Topic: Siblings in disagreement over mom's house.
- Replies: 241
- Views: 32844
Re: Siblings in disagreement over mom's house.
Something that the two sentimental siblings may benefit from is knowing a new family is going to make good memories in the home too vs letting it sit to rot. Not sure what the options are to sell the equity for cash but it could be used as leverage in mediation that you will do so and a new tenant i...
- Tue Jul 29, 2014 2:21 pm
- Forum: Personal Finance (Not Investing)
- Topic: Please help me fight for index funds!
- Replies: 37
- Views: 3652
Re: Please help me fight for index funds!
Where is the fight? Grab the prospectus of the Vanguard Total Market fund Institution class (you are getting a great ER at .02%, I only pay .04 :( ) then compare it against the standard of the large cap blended market - its right where it should be. Plain bland and simple Come armed with this: Anyon...
- Thu Apr 25, 2013 3:59 pm
- Forum: Personal Investments
- Topic: Help w/ a $55M portfolio?
- Replies: 51
- Views: 8619
Re: Help w/ a $55M portfolio?
If I had this level of funds I would probably use 2 or 3 passive approaches for conservative growth and wealth mait. 1. Standard age in bonds (80TBM 20TIPS) not to exceed 70% and the rest split between domestic and international equities with maybe a 5% position in RE ($15mil) 2. CD ladder for 45% s...
- Thu Apr 25, 2013 1:12 pm
- Forum: Personal Investments
- Topic: Investment suggestions [On behalf of child (adult)]
- Replies: 5
- Views: 654
Re: Investment suggestions [On behalf of child (adult)]
Wellington perhaps https://personal.vanguard.com/us/funds/snapshot?FundId=0021&FundIntExt=INT has tax exposure though. Perhaps a separate buy in using your name and then use the money to over fund your retirement/Roth to cover it. You could explain your method with your MOM or MIL so they know t...
- Tue Apr 23, 2013 12:19 pm
- Forum: Personal Investments
- Topic: Inheriting money, don't want to [mess] anything up
- Replies: 48
- Views: 7048
Re: Inheriting money, don't want to [mess] anything up
I would move to Washington before you take distribution and commute to work, you will save 20k of income tax this way on each distribution if the account is from pretaxed funds Otherwise live like you have lived, invest in 25% bonds 75% equity portfolio if you like a little more risk and max out yo...
- Wed Oct 19, 2011 10:46 am
- Forum: Personal Investments
- Topic: Financial Advisors going door to door
- Replies: 7
- Views: 1923
Re: Financial Advisors going door to door
Had my neighbor do this. I said sure I will look at what you have then called him on all front loaded Templeton crap and said I am not willing to toss 5% in the garbage can when I can get the same fund that will track the index I want without fees. He then wanted to sell me on some Muni Bonds, I pas...
- Fri Oct 14, 2011 10:34 am
- Forum: Personal Investments
- Topic: Better Alternatives to Low Yield Savings/MMA accounts?
- Replies: 6
- Views: 1325
- Thu Oct 13, 2011 12:52 pm
- Forum: Personal Investments
- Topic: Maybe Meredith was correct? [Harrisburg PA bankruptcy]
- Replies: 21
- Views: 3196
I don't think it is so much timing as it is true credit quality representation. When I think AAA bond I think the only chance I am not getting paid is if we all go under or the establishment is dissolved. However with municipalities that cannot happen. I think people should look heavily on the balan...
- Fri Oct 07, 2011 4:15 pm
- Forum: Personal Investments
- Topic: EF growing too big
- Replies: 15
- Views: 2330