Search found 18 matches

by gbronc
Wed Aug 29, 2018 12:34 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Full View transition to eMoney
Replies: 107
Views: 12382

Re: Fidelity Full View transition to eMoney

I only use Fullview for the Retirement Calculator capability. Logged on today and see that there is no way to add in my Vanguard accounts. As another poster stated, there is no option for Vanguard personal investment accounts. Not sure if this is an intentional permanent limitation or just a tempora...
by gbronc
Fri Jun 29, 2018 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: Wellesley and Wellington performance on Simba's Backtest Spreadsheet
Replies: 6
Views: 828

Re: Wellesley and Wellington performance on Simba's Backtest Spreadsheet

But that was all during years when the FOMC was lowering interest rates or holding them steady. Will the managers of Wellesley still be able to keep the pig puckered up? Or will it be more like recently when Wellesley continues to trail a 3-fund portfolio? Would buying now be buying low or just bef...
by gbronc
Fri Jun 29, 2018 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: Wellesley and Wellington performance on Simba's Backtest Spreadsheet
Replies: 6
Views: 828

Wellesley and Wellington performance on Simba's Backtest Spreadsheet

For years I have used the excellent Simba’s Portfolio Backtest tool and really love it. But year after year I’m always bothered by the fact that actively managed Wellesley and Wellington funds do so consistently well versus the lazy portfolios when taking into account the many risk metrics that are ...
by gbronc
Tue Jun 26, 2018 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: Roth or Traditional 401k with recent grad
Replies: 15
Views: 983

Re: Roth or Traditional 401k with recent grad

Thanks for everyone's input, this has been quite helpful. I actually was using the Personal Finance Toolbox to model the scenarios. Incredibly helpful, just hope everything is accurate on it. As some said, I'm thinking that the Traditional 401k to get her below $19K with the reminder in a Roth IRA, ...
by gbronc
Tue Jun 26, 2018 3:40 pm
Forum: Investing - Help with Personal Investments
Topic: Roth or Traditional 401k with recent grad
Replies: 15
Views: 983

Re: Roth or Traditional 401k with recent grad

rkhusky wrote:
Tue Jun 26, 2018 6:27 am
While true for a Roth IRA, does it hold for Roth 401k's?
My understanding is that you'd have to roll it to a Roth IRA first. My guess is that there is a very strong chance she will leave this company prior to needing the money for a house down payment, so she would be allowed to do the Rollover.
by gbronc
Mon Jun 25, 2018 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: Roth or Traditional 401k with recent grad
Replies: 15
Views: 983

Roth or Traditional 401k with recent grad

I'm advising a recent college grad (December) who started a job in late May that is paying $47,500/year. She wants to max her 401k to $18,500. We’re trying to decide whether Traditional or Roth 401k makes more sense. Her employer offers both. Normally it’s a no brainer during her lower earning years...
by gbronc
Mon Jan 29, 2018 6:04 pm
Forum: Personal Consumer Issues
Topic: Seeking Yosemite advice for late March
Replies: 9
Views: 796

Re: Seeking Yosemite advice for late March

Went March of last year driving from Sacramento, a bit shorter than the Bay Area. Been to Yosemite 10+ times in my life. Got very lucky with weather and it was gorgeous and warm for the two days. We stayed at Yosemite Lodge. The advantages are definitely smaller crowds, but it depends on what you ar...
by gbronc
Wed Jan 24, 2018 6:18 pm
Forum: Personal Consumer Issues
Topic: Have you ever found an error on your amazon bill?
Replies: 20
Views: 1871

Re: Have you ever found an error on your amazon bill?

I have carefully matched every Amazon transaction since 2011 with Quicken. I actually did catch a $150 error by them about 5 years ago for a shipment that I did not order or receive. I talked with customer service multiple times and they eventually gave me the delivery address 3000 miles from where ...
by gbronc
Fri Jan 05, 2018 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Best Tax Estimate Website for 2018?
Replies: 25
Views: 3903

Re: Best Tax Estimate Website for 2018?

I really like this one. A lot of good detailed options and includes the state. Unfortunately no capital gains capability:
https://www.taxreformcalculator.com/
by gbronc
Thu Dec 14, 2017 5:56 pm
Forum: Investing - Theory, News & General
Topic: [Book: Living off Your Money, by M. McClung (Prime Harvesting)]
Replies: 437
Views: 88986

Re: [Book: Living off Your Money, by M. McClung (Prime Harvesting)]

Those both seem like good and reasonable methods and in line with what I would probably do. Simplified, it is taking a set pool of money and not really including in any of your calculations with the Risk Portfolio and considering it spent, but making appropriate adjustments to equity percentages to ...
by gbronc
Wed Dec 13, 2017 7:17 pm
Forum: Investing - Theory, News & General
Topic: [Book: Living off Your Money, by M. McClung (Prime Harvesting)]
Replies: 437
Views: 88986

Re: [Book: Living off Your Money, by M. McClung (Prime Harvesting)]

I would also like to chime in and say how valuable and powerful this book is. It clearly accentuates how different de-cumulation is than accumulation. He covers everything from asset allocation to withdrawal methods and even discusses Guaranteed Income strategies. The book is well researched, writte...
by gbronc
Wed Nov 22, 2017 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: Did you end up overfunding a 529?
Replies: 13
Views: 1392

Re: Did you end up overfunding a 529?

I've overfunded for various reasons, mostly scholarships, so have thought a lot about what to do with the excess funds: 1) Hold onto it for a very long time and eventually roll it over to a future generation as a gift. Since it grows with tax free earnings on qualified withdrawals, it is a potential...
by gbronc
Thu Nov 02, 2017 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: Giving up on Quicken? (and expense tracking software altogether)
Replies: 73
Views: 7996

Re: Giving up on Quicken? (and expense tracking software altogether)

I agree that many of those reasons for maintaining Quicken have diminished over the years and I sometimes wonder what I can do with my 24 years of Quicken data. But one huge advantage, at least for me, is being able to see exactly what I spend by category. This helps immensely with the "can I retire...
by gbronc
Sun Nov 13, 2016 1:59 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime: doing the math...is it worth it?
Replies: 111
Views: 15462

Re: Amazon Prime: doing the math...is it worth it?

One benefit that really gets overlooked is that you can only get the Amazon Store Card, which gives you a 5% rebate on every order, is only available if you have Prime.
by gbronc
Tue Feb 05, 2013 6:13 pm
Forum: Investing - Theory, News & General
Topic: Simba's backtesting spreadsheet [a Bogleheads community project]
Replies: 1119
Views: 627241

Re: Spreadsheet for backtesting (includes TrevH's data)

Thanks for the update, truly love this tool.

Did notice an error for the Average and Std Dev calculations on the Lazy_Portfolios_85 sheet. Rows 101 and 102 are not including 2011 and 2012 in the calculations. Should be =AVERAGE(C$116:C$143)
by gbronc
Mon Apr 09, 2012 10:58 pm
Forum: Investing - Theory, News & General
Topic: Why Asset Allocation May Not Matter
Replies: 24
Views: 2716

Why Asset Allocation May Not Matter

Would be interested in hearing feedback on this: http://crr.bc.edu/wp-content/uploads/2012/04/wp-2012-13.pdf Goes against everything I've read and believed for years. Conclusion: "Given the relative unimportance of asset allocations, financial advisers will be of greater help to their clients if the...
by gbronc
Wed Mar 07, 2012 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Credit Cards
Replies: 44
Views: 50859

Re: Fidelity Credit Cards

Excellent, I've signed up, thanks for the link. Was not intuitive.

Now I just need that Quicken daily download fixed.
by gbronc
Wed Mar 07, 2012 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Credit Cards
Replies: 44
Views: 50859

Re: Fidelity Credit Cards

There are two drawbacks to the Fidelity Credit Cards that may or may not matter to you. The Fidelity cards are provided by FIA Card Services. 1) If you are a Quicken user, you can not automatically download your transactions daily. Your only option is to download the transactions once per month afte...