Search found 3184 matches

by arcticpineapplecorp.
Sat Oct 20, 2018 10:16 pm
Forum: Investing - Help with Personal Investments
Topic: My Edward Jones IRA is out performing my Vanguard 401K
Replies: 22
Views: 2060

Re: My Edward Jones IRA is out performing my Vanguard 401K

What funds are you invested in? Here are the funds: BARON SMALL CAP CL I BSFIX 1.05% CHAMPLAIN MID CAP CL I CIPIX 0.93% COLUMBIA SELECT LARGE CAP GROWTH CL I3 CCWRX 0.71% EDGEWOOD GROWTH CL I EGFIX 1.9% FRANKLIN DYNATECH CL R6 FDTRX 0.51% HARTFORD STRATEGIC INCOME CL F HSNFX 0.60% JOHN HANCOCK INTE...
by arcticpineapplecorp.
Sat Oct 20, 2018 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: Am I doing it right?
Replies: 15
Views: 873

Re: Am I doing it right?

If you pass up Roth IRA space (I wouldn't), since you're contributing to taxable accounts next after 401k maxing out, do you consider tax loss harvesting to be complicated? If so, you're going to lose some valuable opportunities just as you would if you skip backdoor roth iras. https://www.boglehead...
by arcticpineapplecorp.
Sat Oct 20, 2018 5:09 pm
Forum: Investing - Help with Personal Investments
Topic: Learning about all this financial stuff
Replies: 12
Views: 1072

Re: Learning about all this financial stuff

something's weird. When I click on your link that you copied from my post it doesn't show the article. But when I click on the link that I posted on my post, it comes right up. What's up with that? Click on the quote button and look at the following links: Your post has this: http://web.archive.org...
by arcticpineapplecorp.
Sat Oct 20, 2018 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: Am I doing it right?
Replies: 15
Views: 873

Re: Am I doing it right?

It's good but you say you're maxing out your 401ks. Are you maxing out Roths as well? If not, why? If you think your income is to high to contribute to Roth IRAs, you should review the backdoor method: https://www.bogleheads.org/wiki/Backdoor_Roth_IRA Any other questions, let us know. Welcome to the...
by arcticpineapplecorp.
Sat Oct 20, 2018 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Inspiring story of frugality and charity
Replies: 4
Views: 545

Re: Inspiring story of frugality and charity

for what it's worth I still have (and use) my nokia from 2002. That means I've been using the same cel phone for 16 years. How frugal is that? I don't live in a paid-for mansion however.
by arcticpineapplecorp.
Sat Oct 20, 2018 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: My Edward Jones IRA is out performing my Vanguard 401K
Replies: 22
Views: 2060

Re: My Edward Jones IRA is out performing my Vanguard 401K

Welcome to the group. I'll give you some additional things to consider This much we know: You're paying 1.35% on the first $250,000 invested, 1.30% on the next $250,000 then 1.25% on the next $500,000, 1% on the next $1,500,000 and so on. This is in addition to the fund fees (known as the expense ra...
by arcticpineapplecorp.
Sat Oct 20, 2018 2:18 pm
Forum: Investing - Help with Personal Investments
Topic: Met with an FA today.
Replies: 12
Views: 2414

Re: Met with an FA today.

He is a subscriber to the Coach Pete D'arruda method. One of the responses when I asked if he was invested the same way he honestly said, no. He is invested in rental apartments - they have quite few which would give them all the income stream they need on top of the FA biz. doesn't eat his own coo...
by arcticpineapplecorp.
Sat Oct 20, 2018 1:58 pm
Forum: Investing - Theory, News & General
Topic: Fidelity and Blackrock employees sue over 401k plans
Replies: 10
Views: 1426

Re: Fidelity and Blackrock employees sue over 401k plans

I thought this part was interesting: The lawsuit against Fidelity, filed in early October, claims that its 401(k) had the highest fees among 110 plans with more than $5 billion in assets—averaging 0.58% at Fidelity at the end of 2016, more than double the asset-weighted average of 0.24%. Fidelity se...
by arcticpineapplecorp.
Sat Oct 20, 2018 11:37 am
Forum: Investing - Theory, News & General
Topic: Fidelity and Blackrock employees sue over 401k plans
Replies: 10
Views: 1426

Re: Fidelity and Blackrock employees sue over 401k plans

yeah, Fidelity settled back in 2014 for a suit involving putting their employees in higher cost funds and charging excessive fees for a plan of their size (settled for $12 million 4 years ago): https://money.cnn.com/2014/08/18/retirement/fidelity-lawsuits/index.html https://money.cnn.com/2013/09/23/...
by arcticpineapplecorp.
Sat Oct 20, 2018 10:50 am
Forum: Investing - Help with Personal Investments
Topic: Learning about all this financial stuff
Replies: 12
Views: 1072

Re: Learning about all this financial stuff

http://web.archive.org/web/201611100649 ... f-returns/ Vanguard's "Stopping the silent killer of returns" Unfortunately Vanguard has removed this great blog. :( :annoyed something's weird. When I click on your link that you copied from my post it doesn't show the article. But when I click on the li...
by arcticpineapplecorp.
Fri Oct 19, 2018 9:29 pm
Forum: Investing - Help with Personal Investments
Topic: Learning about all this financial stuff
Replies: 12
Views: 1072

Re: Learning about all this financial stuff

some more: https://investingroadmap.wordpress.com/ (Investing essentials) https://www.bogleheads.org/wiki/Lazy_portfolios (lazy portfolios. three fund portfolio, etc.) https://www.sensibleinvesting.tv/part-1-the-outperformance-myth (Rick Ferri) https://www.pbs.org/wgbh/frontline/film/retirement-gamb...
by arcticpineapplecorp.
Fri Oct 19, 2018 9:00 pm
Forum: Investing - Help with Personal Investments
Topic: Learning about all this financial stuff
Replies: 12
Views: 1072

Re: Learning about all this financial stuff

here's another good link to investor education at Vanguard:

https://investor.vanguard.com/investing ... -education

great stuff there.
by arcticpineapplecorp.
Fri Oct 19, 2018 8:55 pm
Forum: Investing - Theory, News & General
Topic: Total Bond Market Fund - interest rates rising!
Replies: 73
Views: 6497

Re: Total Bond Market Fund - interest rates rising!

I don't want to harp on this too much but there is a legitimate question how liquid CDs might be, if interest rates rise so much that large numbers of people want to break their CDs before maturity... particularly if it happens at a time when banks are stressed. People assume that money in CDs is a...
by arcticpineapplecorp.
Fri Oct 19, 2018 8:05 pm
Forum: Investing - Help with Personal Investments
Topic: Learning about all this financial stuff
Replies: 12
Views: 1072

Re: Learning about all this financial stuff

Welcome to the forum. I'd start here: https://www.bogleheads.org/wiki/Bogleheads%C2%AE_investment_philosophy Then after you read that, watch the videos: https://www.bogleheads.org/wiki/Video:Bogleheads%C2%AE_investment_philosophy After that, come back and ask more questions. If you want specific inf...
by arcticpineapplecorp.
Wed Oct 17, 2018 6:22 pm
Forum: Investing - Theory, News & General
Topic: What was max drop in 2000 and 2008?
Replies: 15
Views: 2911

Re: What was max drop in 2000 and 2008?

Tamales wrote:
Wed Oct 17, 2018 5:37 pm
arcticpineapplecorp. wrote:
Wed Oct 17, 2018 5:16 pm
Tamales...what does "a.p." stand for?
It's my lazy way of not typing your long screen name ;)
ah thanks. now I get it. Advanced Placement really wasn't making any sense.
by arcticpineapplecorp.
Wed Oct 17, 2018 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 240
Views: 19271

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

thanks to the original poster! My timing is great. I just transferred money to an Ally CD 12 months 2.5%. Signed up for the 1% bonus. 3.5% for the next year!! :moneybag
by arcticpineapplecorp.
Wed Oct 17, 2018 5:16 pm
Forum: Investing - Theory, News & General
Topic: What was max drop in 2000 and 2008?
Replies: 15
Views: 2911

Re: What was max drop in 2000 and 2008?

A picture's worth a 1000 words. The links above show you what the losses looked like (what $10,000 became worth at the bottom). Thanks for the links to the graphs a.p. It paints an even more striking picture of the losses your brain would have to come to grips with if you had just reached a $1 mill...
by arcticpineapplecorp.
Tue Oct 16, 2018 9:02 pm
Forum: Investing - Theory, News & General
Topic: What was max drop in 2000 and 2008?
Replies: 15
Views: 2911

Re: What was max drop in 2000 and 2008?

--------------- VTSAX: 3/24/00 to 10/9/02: -48.5% confirmed here: https://quotes.morningstar.com/chart/fund/chart.action?t=VTSAX®ion=usa&culture=en-US&dataParams=%7B%22zoomKey%22%3A11%2C%22version%22%3A%22US%22%2C%22showNav%22%3Atrue%2C%22defaultShowName%22%3A%22name%22%2C%22mainSettingId%22%3A%...
by arcticpineapplecorp.
Tue Oct 16, 2018 8:46 pm
Forum: Investing - Help with Personal Investments
Topic: Help: Moving Stocks to Index Fund
Replies: 9
Views: 1094

Re: Help: Moving Stocks to Index Fund

Thanks for all the replies. I sold some lost positions to the tune of 15K last year and I was only allowed to deduct 3k loss in the taxes filed. If I sell my positions now, can I deduct 12k loss (from last year) from the profits of this year? yes you can carry over losses from prior years you didn'...
by arcticpineapplecorp.
Tue Oct 16, 2018 8:43 pm
Forum: Personal Consumer Issues
Topic: Attempted fraud against my frozen credit - Need I do more?
Replies: 9
Views: 1651

Re: Attempted fraud against my frozen credit - Need I do more?

Forgive my ignorance, but what is the best way to "Freeze" my ChexSytems? Go to their website. It's super easy. You should also freeze Innovis, which collects the same data as the big three bureaus (again, at the website). The link is at bogleheads wiki: https://www.bogleheads.org/wiki/Credit_freeze
by arcticpineapplecorp.
Sun Oct 14, 2018 8:30 pm
Forum: Investing - Theory, News & General
Topic: Barron's Making the Case for Gold
Replies: 116
Views: 8115

Re: Barron's Making the Case for Gold

Also, gold doesn't produce cash flow because gold is money. A self-referencing asset if you will. It has been for thousands of years because humanity and the markets settled on it through trial and error. Compared to other elements and materials it's very ideal. It's rare but not too rare. It doesn...
by arcticpineapplecorp.
Sun Oct 14, 2018 8:19 pm
Forum: Investing - Help with Personal Investments
Topic: Roth Rules
Replies: 8
Views: 1004

Re: Roth Rules

you're using the term Roth Backdoor, but I think you mean Roth Conversion which Peter gave you information on. The five year rule is from the time the Roth IRA was set up, not each time contributions are made. Roth Backdoor is for people who's income is so high they don't qualify to contribute to a ...
by arcticpineapplecorp.
Sun Oct 14, 2018 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: Cassaday & Co. (Financial Advisors)?
Replies: 12
Views: 1003

Re: Cassaday & Co. (Financial Advisors)?

don't know anything about them specifically but when I go to: https://adviserinfo.sec.gov/Individual/849097 https://adviserinfo.sec.gov/IAPD/Support/ReportViewer.aspx?indvl_pk=849097 I see (about Stephan Cassaday): $15,000.00 IN LOSSES CAUSED BY SUPPOSEDLY UNSUITABLE RECOMMENDATIONS TO PURCHASE LP'S...
by arcticpineapplecorp.
Sun Oct 14, 2018 7:20 pm
Forum: Investing - Help with Personal Investments
Topic: Cassaday & Co. (Financial Advisors)?
Replies: 12
Views: 1003

Re: Cassaday & Co. (Financial Advisors)?

- Yes, Rick sold his company (Portfolio Solutions). He then took a sabbatical and travelled the country with his wife in his RV for a good long while. - His contractual agreements with the buyers prohibit him from opening another company until sometime spring 2019. - He has plans to open an advisor...
by arcticpineapplecorp.
Sat Oct 13, 2018 11:04 pm
Forum: Investing - Help with Personal Investments
Topic: Get rid of my Roth IRA?
Replies: 30
Views: 1883

Re: Get rid of my Roth IRA?

I understand and appreciate your points, which again goes back to my fundamental dislike of our financial system. We've become used to needing to invest to be able to retire thanks to increasing costs, inflationary monetary policy, a ridiculously complicated tax system that needs to be taken out ba...
by arcticpineapplecorp.
Sat Oct 13, 2018 10:50 pm
Forum: Investing - Help with Personal Investments
Topic: Get rid of my Roth IRA?
Replies: 30
Views: 1883

Re: Get rid of my Roth IRA?

I'm sure I did misunderstand and I'll have to read your reply and the relevant resources more carefully. But this goes exactly to the other point I'm making in this thread. None of this Roth stuff should be a thing, IMHO. How many people actually go anywhere near either backdoor Roths or Roth Conve...
by arcticpineapplecorp.
Sat Oct 13, 2018 10:31 pm
Forum: Investing - Help with Personal Investments
Topic: Idiotic questions from NEWB- please help
Replies: 14
Views: 1354

Re: Idiotic questions from NEWB- please help

Thanks everyone... once i hit a year, i will start divesting into my index funds. My biggest holding is MSFT which has a lot going for it right now, so i will probably hold that and waste management (WM). I really enjoy stock investing as a hobby, so i am not sure i will get completely out of indiv...
by arcticpineapplecorp.
Sat Oct 13, 2018 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: Get rid of my Roth IRA?
Replies: 30
Views: 1883

Re: Get rid of my Roth IRA?

Sorry, I wasn't clear in my OP. I had only considered a Roth conversion based on responses in a previous thread of mine here, but ultimately I decided I didn't want to deal with that kind of complexity (especially since that loophole could get closed) and just to leave the tIRA as is, with the obvi...
by arcticpineapplecorp.
Sat Oct 13, 2018 9:28 pm
Forum: Investing - Help with Personal Investments
Topic: Get rid of my Roth IRA?
Replies: 30
Views: 1883

Re: Get rid of my Roth IRA?

I know it's a small part of your portfolio but why would you want to take an asset that can grow tax free for the rest of your life and give up the potential of leaving it for heirs (for which they would receive proceeds tax free over their lifetime) and turn it into something that would be taxable ...
by arcticpineapplecorp.
Sat Oct 13, 2018 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Neighbor discussing finances with me
Replies: 64
Views: 5918

Re: Neighbor discussing finances with me

here's one way you could handle it (notice I said "could" not "should"): First listen (you, not him) to Rob Berger's Dough Roller Money Podcast episode 299 (https://www.doughroller.net/thepodcast/). It's titled "How to help others with their financial struggles". Rob discusses how he had conversatio...
by arcticpineapplecorp.
Sat Oct 13, 2018 3:15 pm
Forum: Investing - Help with Personal Investments
Topic: Home Depot Stock
Replies: 16
Views: 1730

Re: Home Depot Stock

HD is one of the great buy and hold stocks. I too have held mine since the early 90's. However it is in a tax deferred account. While there are benefits of it being in a tax deferred account, it's of no consolation if the stock price goes to $0. There are no such things as great buy and hold stocks...
by arcticpineapplecorp.
Sat Oct 13, 2018 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: Home Depot Stock
Replies: 16
Views: 1730

Re: Home Depot Stock

The stock has run up, and although it's probably considered "expensive", it's not monstrously so. In other words, I don't view it as a long-term loser. I find these statements interesting from a logical perspective (see if you can answer/clarify): 1. It's considered "expensive". So if you believe i...
by arcticpineapplecorp.
Sat Oct 13, 2018 1:43 pm
Forum: Investing - Theory, News & General
Topic: Does anyone consider institutional risk?
Replies: 37
Views: 2136

Re: Does anyone consider institutional risk?

does this answer your question: https://www.bogleheads.org/wiki/Vanguard_safety from the link above (What if Vanguard went broke): What if Vanguard went broke? The following explanation was posted by Mel Lindauer:[1] "This is a very serious and timely issue, so I'll address it to hopefully set every...
by arcticpineapplecorp.
Sat Oct 13, 2018 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Education
Replies: 14
Views: 1675

Re: Financial Education

welcome to the forum. the links InMyDreams gave are good. The third link provided was a repeat from the original episode called "When People Make their Own banks" https://www.npr.org/sections/money/2013/06/14/191606307/when-people-make-their-own-banks There's also another npr story (not planet money...
by arcticpineapplecorp.
Sat Oct 13, 2018 8:43 am
Forum: Investing - Theory, News & General
Topic: Is EMH a tautology?
Replies: 108
Views: 4635

Re: Is EMH a tautology?

That's what makes the "H" in EMH a hypothesis. If it were "proven" (a difficult term to use considering most scientific research will never use the term proven but will only speak in terms of statistical significance, which means that there's always some percentage chance that results you got were d...
by arcticpineapplecorp.
Sat Oct 13, 2018 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Pension terminated .. have options
Replies: 28
Views: 3555

Re: Pension terminated .. have options

My 401k is a lot more than this terminated pension fund and I don't need to borrow this money. More or less my question is an investment one: Let money compound at 5% (minimum) or put in 401k for the next 18 years. The stock market has gone up substantially but 18 years is still a long time and I l...
by arcticpineapplecorp.
Thu Oct 11, 2018 8:56 pm
Forum: Investing - Help with Personal Investments
Topic: Rate of return in negative
Replies: 16
Views: 1899

Re: Rate of return in negative

welcome to the group! Since you're new to investing, you missed out on the last big drop about 10 years ago. If you think a -1.50% ROR is bad here's how much a $10,000 investment on 10/1/2007 would have been worth by 3/6/2009 (peak to trough last recession) in the Vanguard total U.S. stock market in...
by arcticpineapplecorp.
Thu Oct 11, 2018 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting help
Replies: 4
Views: 431

Re: Tax loss harvesting help

you can't switch between the two because then you'd be buying something you'd sold within 30 days and would run afoul of the wash sale rule. some funds you could switch to for 30 days (or more) and then switch back to your original funds.: short term bond etf short term treasury etf intermediate ter...
by arcticpineapplecorp.
Wed Oct 10, 2018 8:12 pm
Forum: Investing - Help with Personal Investments
Topic: Take a rish with Roth IRA or Personal Account
Replies: 5
Views: 304

Re: Take a rish with Roth IRA or Personal Account

Warren Buffett says:

"Rule #1: Don't lose money"
"Rule #2: Don't forget rule #1"
by arcticpineapplecorp.
Wed Oct 10, 2018 6:55 pm
Forum: Investing - Theory, News & General
Topic: The benefits of international diversification - NOT: Hulbert
Replies: 80
Views: 5222

Re: The benefits of international diversification - NOT: Hulbert

don't forget: "diversification means always having to say you're sorry" You think you don't want something that's gone down in your portfolio (like international) but then that means you ONLY want things that go up. You know it doesn't work that way. And even if you think you only want things that g...
by arcticpineapplecorp.
Wed Oct 10, 2018 6:52 pm
Forum: Investing - Help with Personal Investments
Topic: Take a rish with Roth IRA or Personal Account
Replies: 5
Views: 304

Re: Take a rish with Roth IRA or Personal Account

you left out another option. If it gains in a taxable (what you call "personal") account, you don't share the gains with Uncle Sam if you donate the appreciated stock. That being said, it's not wise to gamble. That's what you'd be doing buying an individual stock. If you own the entire market instea...
by arcticpineapplecorp.
Wed Oct 10, 2018 6:30 pm
Forum: Investing - Help with Personal Investments
Topic: How to get over paper loss?
Replies: 43
Views: 3841

Re: How to get over paper loss?

realize that losses happen more often than you might think: https://i.postimg.cc/2SrX5CKG/Capture.jpg source: https://am.jpmorgan.com/blob-gim/1383407651970/83456/MI-GTM_4Q18_Linked.pdf?segment=AMERICAS_US_ADV&locale=en_US Do you see how "Despite average intrayear drops of 13.8%, annual returns were...
by arcticpineapplecorp.
Wed Oct 10, 2018 6:46 am
Forum: Investing - Theory, News & General
Topic: What do you think of the Tesla craziness?
Replies: 25
Views: 2226

Re: What do you think of the Tesla craziness?

I hold Tesla...in the Vanguard Total Stock Market Index Fund: https://www.investopedia.com/articles/investing/090215/4-mutual-funds-hold-tesla-stock.asp See what I did there? Basically, so practically any stock you want to own is likely to be included in the total stock market index fund. So go ahea...
by arcticpineapplecorp.
Wed Oct 10, 2018 6:39 am
Forum: Investing - Theory, News & General
Topic: The benefits of international diversification - NOT: Hulbert
Replies: 80
Views: 5222

Re: The benefits of international diversification - NOT: Hulbert

I go back and forth on international diversification. I started out with none then read Bernstein’s books and decided to allocate 20% to it. While looking in my 401(k) one share of S&P 500 is roughly $160 a share and in my wifes 403(b) one share of S&P 500 (VIIIX) was $250 a share. Meanwhile my int...
by arcticpineapplecorp.
Tue Oct 09, 2018 9:01 pm
Forum: Investing - Theory, News & General
Topic: The benefits of international diversification - NOT: Hulbert
Replies: 80
Views: 5222

Re: The benefits of international diversification - NOT: Hulbert

3) I continue to be in the strange position of being, seemingly, one of the few people who think that there's no evidence that international diversification has ever mattered much--never has helped much, never has hurt much. 4) I continued to be be puzzled why my point of view is so seemingly rare,...
by arcticpineapplecorp.
Mon Oct 08, 2018 8:22 pm
Forum: Investing - Theory, News & General
Topic: Is Vanguard Multi-Factor Fund like DFA and AQR fund offerings?
Replies: 10
Views: 982

Re: Is Vanguard Multi-Factor Fund like DFA and AQR fund offerings?

Recently learned about the Vanguard Multi-Factor fund that automatically adjust between quality, value and momentum factors, and it's passively managed (so done by algorithms not "expert active managers"). I'm not sure where you see that. Is it because you read this (at https://investor.vanguard.co...
by arcticpineapplecorp.
Mon Oct 08, 2018 8:11 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Why Emerging Markets Matter
Replies: 82
Views: 6331

Re: Larry Swedroe: Why Emerging Markets Matter

And if the total international stock market index fund holds 20% EM, then when EM does poorly (assuming int. developed does better) then wouldn't the fund itself rebalance into EM to get the EM weight back to 20%? Unless my understanding of index funds has been completely wrong for years now, Total...
by arcticpineapplecorp.
Mon Oct 08, 2018 7:12 pm
Forum: Investing - Theory, News & General
Topic: Market decline in 2019 ?
Replies: 73
Views: 6471

Re: Market decline in 2019 ?

read this post by Larry Swedroe entitled, "Better to face the correction": https://www.etf.com/sections/index-investor-corner/swedroe-better-face-correction?nopaging=1 Now that you've read that what do you think about the likelihood of meeting your goals by getting out of the market in anticipation ...
by arcticpineapplecorp.
Mon Oct 08, 2018 7:10 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Why Emerging Markets Matter
Replies: 82
Views: 6331

Re: Larry Swedroe: Why Emerging Markets Matter

Strive for simplicity (read link below). Avoiding useless complexity makes sense. But for an asset class as volatile as emerging markets, I want to hold it separately. When it goes up 30% in a year, I want to rebalance out of it. When it drops 30% in a year, I want to rebalance into it. I've held a...