Search found 15 matches

by Puzzled
Thu Feb 08, 2018 11:48 pm
Forum: Investing - Help with Personal Investments
Topic: Fair Market Value of Annuity
Replies: 11
Views: 1421

Re: Fair Market Value of Annuit

I have received similar letters and I’ve always wondered why it is relevant. The contracts can’t be sold or redeemed so why should we be interested in their fair market value? Gill If I die before the 20 guaranteed year term is up then my beneficiaries will receive the balance. Either a lump sum pa...
by Puzzled
Thu Feb 08, 2018 8:45 pm
Forum: Investing - Help with Personal Investments
Topic: Fair Market Value of Annuity
Replies: 11
Views: 1421

Re: Fair Market Value of Annuity

I was looking into how NPV works. It says “Net present value (NPV) is the value of your future money in today’s dollars. The concept is that a dollar today is not worth the same amount as a dollar tomorrow.” https://financialmentor.com/calculator/present-value-calculator All the calculators I've see...
by Puzzled
Thu Feb 08, 2018 8:50 am
Forum: Investing - Help with Personal Investments
Topic: Fair Market Value of Annuity
Replies: 11
Views: 1421

Re: Fair Market Value of Annuity

Thanks for the link to Income Value. It says “INCOME VALUE: An industry solution to assessing the fair market value of Income Annuities”. I presume that means there could be other methods of assessing the fair market value. It mentions about updating the “Income Annuity Yield Curve on a daily basis“...
by Puzzled
Wed Feb 07, 2018 5:33 pm
Forum: Investing - Help with Personal Investments
Topic: Fair Market Value of Annuity
Replies: 11
Views: 1421

Re: Fair Market Value of Annuity

A few years ago I did try 1 or 2 online calculators but they never matched what the company sent me. So I end up calling for the figure. However over the years it’s become more difficult to get through to someone who can provide this information. So now I’m trying to hopefully find a better or diffe...
by Puzzled
Wed Feb 07, 2018 4:12 pm
Forum: Investing - Help with Personal Investments
Topic: Fair Market Value of Annuity
Replies: 11
Views: 1421

Fair Market Value of Annuity

I have a Single Premium Immediate Annuity. Every January I get a letter stating the Fair Market Value of the Annuity from the past December. IOW in Jan 2018 I got notified of the FMV based on Dec. 31 2017. The short version - I’m looking for an online calculator to figure out the FMV for Dec. 31 201...
by Puzzled
Fri Jan 13, 2012 6:23 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2342
Views: 1472722

Re: The Three Fund Portfolio

Puzzled - Welcome! Please feel free to ask about anything you want. Have you taken a look in the wiki? For new investors, we recommend starting here: Wiki article link: Bogleheads® investing start-up kit (also, Lazy Portfolios ) As for TIPS vs. Total Bonds, that's up to you. I model my portfolio af...
by Puzzled
Fri Jan 13, 2012 6:21 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2342
Views: 1472722

Re: The Three Fund Portfolio

sdrone wrote:Why the transfer? You can buy Vanguard ETFs in your Fidelity account pretty cheaply.
I still have a small account with Vanguard from a few years ago & thought if would be easy to transfer funds back to them.
by Puzzled
Wed Jan 11, 2012 7:41 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2342
Views: 1472722

Re: The Three Fund Portfolio

I am a newbie here & am not a real experienced investor. I would like to transfer some funds from a managed Fidelity account over to Vanguard. I understand the concept of having a simple portfolio of 2 or 3 low cost funds. Since the interest rate is low & can only go up, that usually means that bond...
by Puzzled
Tue Jan 10, 2012 1:26 am
Forum: Investing - Theory, News & General
Topic: The Bottom Line: Just sit there.
Replies: 31
Views: 4853

Re: The Bottom Line: Just sit there.

Hi Bogleheads: I subscribe to The Hulbert Financial Digest which has been tracking newsletter portfolios since 1980. In the November, 2011 Issue, Mr. Hulbert closely analyzed the returns of over 500 newsletter portfolios from 1/1/2011 though 10/31/2011. "The Bottom Line: The inescapable conclusion ...
by Puzzled
Mon Jan 09, 2012 5:37 am
Forum: Investing - Help with Personal Investments
Topic: Newbie? - Wellesley or Couch Potato?
Replies: 31
Views: 4661

Re: Newbie? - Wellesley or Couch Potato?

The real question is what you'll do when Couch Potato underperforms Wellesley (or your old Fidelity portfolio) year after year. And it probably will. Will you still conclude that there's a problem and you're doing something wrong? I'm not sure that you've yet accepted that you can be doing nothing ...
by Puzzled
Sun Jan 08, 2012 8:59 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie? - Wellesley or Couch Potato?
Replies: 31
Views: 4661

Re: Newbie? - Wellesley or Couch Potato?

Puzzled, you are still trying to think that different funds are somehow enterprises run by smarter people or by stupider people and that it is possible to find out which is which. Well, it is true that the vast majority of funds are run by people who try to claim they are smart, but it doesn't work...
by Puzzled
Sun Jan 08, 2012 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie? - Wellesley or Couch Potato?
Replies: 31
Views: 4661

Re: Newbie? - Wellesley or Couch Potato?

What funds does Fidelity have you in? Are you choosing these yourself? Fidelity has funds that are "good enough." Here's my Fidelity 403b that I'm happy with (contains only Fidelity funds): 35% Fidelity Spartan 500 Index FXSIX 18% Fidelity Spartan Extended Market Index FSEMX 27% Fidelity Spartan Gl...
by Puzzled
Fri Jan 06, 2012 3:53 am
Forum: Investing - Help with Personal Investments
Topic: Newbie? - Wellesley or Couch Potato?
Replies: 31
Views: 4661

Re: Newbie? - Wellesley or Couch Potato?

I admit I am not an experienced investor which is why I’m seeking advice. But I do understand you should have low cost fees & not jump in & out of funds. At this point I think I need to get out of the managed Fidelity account & into some funds such as offered by Vanguard. Doing some research sounds ...
by Puzzled
Wed Jan 04, 2012 6:07 am
Forum: Investing - Help with Personal Investments
Topic: Newbie? - Wellesley or Couch Potato?
Replies: 31
Views: 4661

Re: Newbie? - Wellesley or Couch Potato?

Thank you everyone for your replies. I don’t want to jump in & out of investments every day, but I see a problem with where I’m at with Fidelity. For 2011 I’m not just flat, I’m down about 1% with a 50/50 mix from Fidelity. I looked at some Vanguard funds & how they did for 2011. Vanguard 500 Index ...
by Puzzled
Mon Jan 02, 2012 4:41 am
Forum: Investing - Help with Personal Investments
Topic: Newbie? - Wellesley or Couch Potato?
Replies: 31
Views: 4661

Newbie? - Wellesley or Couch Potato?

Before I retired in early 2008 I had tried investing on my own. I talked to friends & fellow workers & dabbled a bit with a few Vanguard funds. The investments were not doing well so I decided to go with a fee only financial planner shortly after retired. Investments were still going downhill & I wa...