Search found 494 matches

by drzzzzz
Sat May 23, 2020 11:23 am
Forum: Personal Investments
Topic: TIAA Annuity Help understanding Contact Language
Replies: 22
Views: 1277

Re: TIAA Annuity Help understanding Contact Language

(I also urge you to look at your last Quarterly Report (personal report, I mean) and see for yourself if it says RC or Retirement Choice!) [/quote] Thanks for the detailed response since I don't currently have any annuities with them to look at a statement, I am pretty sure it is RC per the rep. It'...
by drzzzzz
Fri May 22, 2020 9:52 pm
Forum: Personal Investments
Topic: TIAA Annuity Help understanding Contact Language
Replies: 22
Views: 1277

Re: TIAA Annuity Help understanding Contact Language

Spoke to the TIAA rep today who said in two of my plans I would have a guaranteed 3% for funds that I might invest this year and that 3% would continue for as long as I stay in that product. When I asked about the plan type, he said it was the RC plan - as I spent more time reading their fact sheet,...
by drzzzzz
Thu May 21, 2020 9:39 pm
Forum: Personal Investments
Topic: Simplest way to gift shares at Vanguard
Replies: 22
Views: 1168

Re: Simplest way to gift shares at Vanguard

Having gifted accumulated shares for the past few years from Vanguard to charities, the process is almost different each time and best handled by using someone at Vanguard to walk you through it. In some past years we needed to fill out specific forms from Vanguard (get them signed by the receiving ...
by drzzzzz
Wed May 20, 2020 12:02 pm
Forum: Personal Investments
Topic: TIAA Annuity Help understanding Contact Language
Replies: 22
Views: 1277

Re: TIAA Annuity Help understanding Contact Language

This particular account plan allows me to exchange into TIAA Traditional - Retirement Choice Annuity (RC). When I spoke with my rep he said the current crediting rate is 3% and that would continue for the life of the contract (and could go up), but was illiquid meaning withdrawals over 9 years and ...
by drzzzzz
Wed May 20, 2020 9:00 am
Forum: Personal Investments
Topic: TIAA Annuity Help understanding Contact Language
Replies: 22
Views: 1277

TIAA Annuity Help understanding Contact Language

hi I am retired from my employer, age 64 and currently my retirement plan is with TIAA (with primarily Vanguard mutual fund holdings including VBTLX (vanguard total bond indewx). This particular account plan allows me to exchange into TIAA Traditional - Retirement Choice Annuity (RC). When I spoke w...
by drzzzzz
Tue May 19, 2020 9:43 pm
Forum: Investing - Theory, News & General
Topic: Where to park cash in Fidelity?
Replies: 62
Views: 6041

Re: Where to park cash in Fidelity?

Ferdinand2014 wrote:
Tue May 19, 2020 8:57 pm
I buy treasury bills at auction on auto roll.
Used to do this and was so easy at Fidelity with auto-roll, but since treasury bills pay nothing these days, high yield savings elsewhere or bank CDs are the plan.
by drzzzzz
Mon May 18, 2020 9:01 pm
Forum: Personal Investments
Topic: TIAA traditional vs. Vanguard Total Market Bond index
Replies: 51
Views: 2567

Re: TIAA traditional vs. Vanguard Total Market Bond index

Similar situation here, I have a 403B at TIAA and have no TIAA at this time, however my rep tells me tha in one of my contract plans I am able to purchase the non-liquid (ie future redemptions over 9 years and 1 day TIAA traditional), guaranteed to pay 3% a year which when compared to the current yi...
by drzzzzz
Sun May 17, 2020 1:36 pm
Forum: Personal Investments
Topic: TIAA Real Estate Movement
Replies: 75
Views: 4582

Re: TIAA Real Estate Movement

TIAA is on my last nerve. I transferred my 403B to a TIAA IRA a couple years ago. Last year I was able to initiate partial IRA transfers to Vanguard online. Limited to 50K at a shot, but better than nothing, and it worked fine. I had left about 150K to keep in TREA. Was considering doing another tr...
by drzzzzz
Fri May 15, 2020 8:01 pm
Forum: Investing - Theory, News & General
Topic: Updated Vanguard Purchase Policy
Replies: 16
Views: 1742

Re: Updated Vanguard Purchase Policy

I guess I am not sure what a purchase form is - this was sent to a relative who is elderly and doesn't use a smart phone and occ sends a check into Vanguard to deposit into their settlement account - never sent in a deposit or purchase form, guess will have to find out what that is
by drzzzzz
Fri May 15, 2020 7:37 pm
Forum: Investing - Theory, News & General
Topic: Updated Vanguard Purchase Policy
Replies: 16
Views: 1742

Updated Vanguard Purchase Policy

Just received this notice from Vanguard and have copied it here - can someone explain this further, are they not accepting checks that you might mail in to be deposited to a brokerage account and would this also apply to retirement rollover checks for example that are mailed in? We're updating our p...
by drzzzzz
Thu May 14, 2020 9:29 pm
Forum: Personal Investments
Topic: Transfer of 403B at TIAA to Vanguard
Replies: 6
Views: 516

Transfer of 403B at TIAA to Vanguard

Need some advice from others who might have already done this , but trying to figure out the easiest way to transfer a 403B at TIAA to Vanguard or Fidelity. I no longer am with my employer, but because of inertia, have delayed moving my 403B at TIAA primarily because of the ERISA protections of the ...
by drzzzzz
Sun May 10, 2020 3:03 pm
Forum: Investing - Theory, News & General
Topic: Why doesn't everybody replace SP500 with NTSX?
Replies: 70
Views: 6871

Re: Why doesn't everybody replace SP500 with NTSX?

TeeDee wrote:
Sun May 10, 2020 11:26 am
I would, but I’ve already replaced it all with PSLDX.
Why might PSLDX be preferred over NTSX (leave tax consideration/asset placement) out of any reason - thanks
by drzzzzz
Sat May 09, 2020 5:04 pm
Forum: Personal Investments
Topic: Real estate crowdfunding as alternate investment
Replies: 17
Views: 1120

Re: Real estate crowdfunding as alternate investment

How would others compare crowdfunding to something like TIAA QREARX real estate fund? thanks
by drzzzzz
Tue May 05, 2020 10:10 pm
Forum: Personal Consumer Issues
Topic: can't log on [to Vanguard website]
Replies: 55
Views: 1882

Re: Can't login to Vanguard website

I used chrome can't get on through my chromebook and chrome browser. Was able to access on phone same error message as OP
by drzzzzz
Thu Apr 30, 2020 3:23 pm
Forum: Personal Investments
Topic: Ira transfer Vanguard mma to Ally Bank Cd
Replies: 4
Views: 287

Re: Ira transfer Vanguard mma to Ally Bank Cd

While I haven't opened an IRA account at Ally, I have done this recently with another bank and the process should be similar: open up an IRA at Ally bank Get the paperwork for transferring of funds from Ally and complete paperwork that Ally has to transfer the account to them from Vanguard (the pape...
by drzzzzz
Mon Apr 27, 2020 9:33 pm
Forum: Personal Investments
Topic: Do Vanguard and Trust Accounts Mix Well?
Replies: 11
Views: 825

Re: Do Vanguard and Trust Accounts Mix Well?

Having opened up trust accounts at Vanguard, Fidelity, and TDameritrade, Vanguard was the most difficult to work with (although it is possible their process has improved). Paperwork was done through snail mail for the application and supporting documents (which hopefully are electronic now), signatu...
by drzzzzz
Mon Apr 27, 2020 9:19 pm
Forum: Personal Investments
Topic: Is doing a barbell bond strategy now an OK move?
Replies: 47
Views: 2309

Re: Is doing a barbell bond strategy now an OK move?

CDs work well right now since they pay more than treasuries and are as safe, but have the hassle of a limited amount that you can have at any particular bank to make sure you stay within insured limits so CDs might be all you need right now. Treasuries offer additional safe ballast but if you look a...
by drzzzzz
Mon Apr 27, 2020 10:12 am
Forum: Personal Investments
Topic: Ally, Synchrony or Barclays for Online Savings Account
Replies: 12
Views: 1147

Re: Ally, Synchrony or Barclays for Online Savings Account

Been happy with Synchrony especially since very easy to add external accounts - same as you transferring cash from Vanguard prime to Synchrony high yield savings account and also have bought CDs there in the past as well.
by drzzzzz
Sat Apr 25, 2020 8:31 pm
Forum: Personal Investments
Topic: Is doing a barbell bond strategy now an OK move?
Replies: 47
Views: 2309

Re: Is doing a barbell bond strategy now an OK move?

At your age, would consider more CD/money market accounts with some long term treasury
by drzzzzz
Mon Apr 20, 2020 2:06 pm
Forum: Personal Investments
Topic: Disappointed with Vanguard service. Better options?
Replies: 66
Views: 5625

Re: Disappointed with Vanguard service. Better options?

Many times what is important to one person isn't to someone else. Vanguard was my choice for years, but it fell behind in service, technology, and the ability for me to talk to someone with expertise related to the questions that I had without going through a burdensome rep who often didn't know the...
by drzzzzz
Sat Apr 18, 2020 10:45 pm
Forum: Personal Investments
Topic: Sell Put Option on VEA for income or cheap shares
Replies: 6
Views: 568

Re: Sell Put Option on VEA for income or cheap shares

I do it all the time, but usually when put options are priced higher than usual because of volatility or the market is dropping and I have the cash to cover the purchase, and it is at a price that I am willing to buy the stock or ETF at. But for me it's only play money and for a small number of puts.
by drzzzzz
Sat Apr 18, 2020 10:35 pm
Forum: Personal Investments
Topic: Disappointed with Vanguard service. Better options?
Replies: 66
Views: 5625

Re: Disappointed with Vanguard service. Better options?

We have accounts including trust accounts at both Fidelity and Vanguard. Fidelity is just so much easier to work with especially regardfing the trusts and if they have an office nearby you can get assistance from them with forms, medallion signatures, or notarizations. I opened a trust with Vanguard...
by drzzzzz
Mon Apr 06, 2020 9:02 am
Forum: Investing - Theory, News & General
Topic: Where's Warren Buffett During This Crisis?
Replies: 155
Views: 20830

Re: Where's Warren Buffett During This Crisis?

In the past he has provided credit to the markets and companies and in return got good deals through warrants or dividends. The fed is doing more of the work this time supporting the credit and stock markets, but I would imagine in companies who are unable to get credit that he wants, he will still ...
by drzzzzz
Tue Mar 31, 2020 8:48 pm
Forum: Investing - Theory, News & General
Topic: Fidelity shuts 3 (Treasury) MM Funds to New Investors
Replies: 91
Views: 6974

Re: Fidelity shuts 3 (Treasury) MM Funds to New Investors

What happens to BIL as treasury yields go toward zero, does the NAV start dropping or does BIL stop paying dividends?
by drzzzzz
Mon Mar 30, 2020 10:05 am
Forum: Personal Investments
Topic: Negative T-bills
Replies: 39
Views: 2838

Re: Negative T-bills

I am still somewhat confused. As someone who uses BIL to park cash at TDameritrade since they pay so little in their accounts, as t bills go to zero, will BIL continue to pay any dividends or basically stop once their portfolio of bills is only paying zero or near zero. Also if yields go negative do...
by drzzzzz
Sat Mar 28, 2020 4:22 pm
Forum: Investing - Theory, News & General
Topic: Why decreasing stock allocation after a big dip can sometimes make sense
Replies: 131
Views: 5946

Re: Why decreasing stock allocation after a big dip can sometimes make sense

This question also depends on whether you are retired, near-retired, or working. It is easier to rebalance into stocks if you have more human work capital and income that will be adding to your assets in contrast to retirement where both of those might be non-existant. When looking at the appropriat...
by drzzzzz
Sat Mar 28, 2020 7:32 am
Forum: Investing - Theory, News & General
Topic: CARES Rollover: “Bad” Plan to “Good” Plan
Replies: 11
Views: 1260

Re: CARES Rollover: “Bad” Plan to “Good” Plan

desafinado wrote:
Sat Mar 28, 2020 7:04 am
Can you rollover from trad to roth without paying any income taxes with this?
No unless your income is so low that you don't pay taxes
by drzzzzz
Wed Mar 11, 2020 8:28 pm
Forum: Investing - Theory, News & General
Topic: Short Term Inflation Protection Funds
Replies: 12
Views: 676

Short Term Inflation Protection Funds

Can someone explain why short term inflation protection ETFs such as STIP and VTIP have had such large drops (for bond funds) over the past few days?
thanks
by drzzzzz
Tue Mar 03, 2020 10:54 pm
Forum: Personal Investments
Topic: Any seamless way to switch from mutual funds to ETFs, without being out of the market? (at Fidelity)
Replies: 7
Views: 703

Re: Any seamless way to switch from mutual funds to ETFs, without being out of the market? (at Fidelity)

Buy a modestly lower amount of your desired ETF at 3:55pm EST then sell all the MT at 4pm (have that setup in advance, less buttons to press while short for time). Only a mild amount of your exposure will be out of the market. If you have bonds in your AA I’d consider the excess cash bonds and adju...
by drzzzzz
Tue Mar 03, 2020 9:21 pm
Forum: Personal Investments
Topic: Any seamless way to switch from mutual funds to ETFs, without being out of the market? (at Fidelity)
Replies: 7
Views: 703

Re: Any seamless way to switch from mutual funds to ETFs, without being out of the market? (at Fidelity)

Buy a modestly lower amount of your desired ETF at 3:55pm EST then sell all the MT at 4pm (have that setup in advance, less buttons to press while short for time). Only a mild amount of your exposure will be out of the market. If you have bonds in your AA I’d consider the excess cash bonds and adju...
by drzzzzz
Mon Mar 02, 2020 5:08 pm
Forum: Personal Investments
Topic: Q about Vanguard tax loss selling and fractional shares
Replies: 8
Views: 436

Re: Q about Vanguard tax loss selling and fractional shares

Try selling a larger amount of shares by 1 share than you want and take the remaining fraction that remains using from specific ID from a stock lot that is green. As I recall that is what Vanguard told me to do when trying to sell specific ID mutual funds in the past, it might also work for ETFs. Yo...
by drzzzzz
Thu Feb 27, 2020 1:19 pm
Forum: Investing - Theory, News & General
Topic: Three-hour delay in Fidelity price trigger alert email
Replies: 1
Views: 252

Re: Three-hour delay in Fidelity price trigger alert email

Not sure how you use the price trigger alert, but if it is to buy or sell a stock, why not just put in the price that you want as a limit good till cancelled order? In a fast moving market, not sure what a price trigger alert does for you.
by drzzzzz
Tue Feb 25, 2020 9:31 pm
Forum: Personal Investments
Topic: Roth IRA for 70 year old? - Retired
Replies: 13
Views: 1125

Re: Roth IRA for 70 year old? - Retired

I started Roth conversions at age 88 for my parents a few years ago since they are in lower tax brackets than their heirs and it also reduces their future RMDs which become increasingly larger as you age - it seemed to make sense at the time since I was going to use the stretch IRA for this and have...
by drzzzzz
Thu Feb 20, 2020 11:01 pm
Forum: Personal Investments
Topic: Auto-roll Tbill experience at Schwab
Replies: 10
Views: 782

Re: Auto-roll Tbill experience at Schwab

Fidelity's auto-roll keeps you fully invested and uses the maturing t bill funds to purchase the t bill that was bought earlier in the week. At least for my 3 month t bill auto-roll, the system places an order and executes a purchase on Monday for a t- bill that is coming due and settles on Thursday...
by drzzzzz
Fri Feb 14, 2020 8:04 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 4911
Views: 424706

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

Correct. Fidelity does I believe but most are using M1 Finance as they have no transaction fees, allow fractional shares, and have a 1-button rebalancing option that is about as good as it gets for this portfolio (only thing better would be scheduled rebalances). You can even setup automatic contri...
by drzzzzz
Fri Feb 07, 2020 1:27 pm
Forum: Investing - Theory, News & General
Topic: Why did adding stocks decrease maximum returns?
Replies: 7
Views: 560

Re: Why did adding stocks decrease returns?

I think you are misinterpreting the graph - as you move from Left to Right the percentage of stock holdings INCREASE and so do your returns.
by drzzzzz
Fri Jan 24, 2020 11:21 pm
Forum: Investing - Theory, News & General
Topic: How much would an hourly CFP cost? SEE ANSWER NOW.
Replies: 17
Views: 1957

Re: How much would an hourly CFP cost?

I would suggest you just contact a few and check their pricing - I used Alan Roth a few years back from https://daretobedull.com/ who also posts on this site on occasion and uses a philosophy that follows basic boglehead principles. His pricing isn't the cheapest, but he will be upfront about the co...
by drzzzzz
Thu Jan 23, 2020 11:12 pm
Forum: Personal Investments
Topic: Customer Service & Ease-Of-Use: Vanguard vs. Fidelity
Replies: 45
Views: 3964

Re: Customer Service & Ease-Of-Use: Vanguard vs. Fidelity

We have accounts at both and Vanguard is fine if you are a pretty basic customer and just adding to mutual funds, buying their ETFs, or doing fairly uncomplicated stuff. I find Vanguard is less satisfactory as our accounts have become more complex and the issues more involved. Most recently I called...
by drzzzzz
Wed Jan 22, 2020 10:52 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 4911
Views: 424706

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

That's why I opted to use a target volatility approach rather than a static AA. Rather than using distant historic data to determine the appropriate AA, it uses recent historic data (i.e. prior month's). Some may berate this method, but any decision regarding one's AA is largely driven by historic ...
by drzzzzz
Tue Jan 21, 2020 5:01 pm
Forum: Personal Investments
Topic: How Long To Keep Retirement Account Statements
Replies: 6
Views: 826

Re: How Long To Keep Retirement Account Statements

Keep the tax forms showing the contribution. If you withdraw from the account in a state which does not allow a deduction for contributions (NJ, for example, allows a deduction for 401(k)s but not IRAs, 403(b)s, or any other retirement plan), part of the withdrawal will not be taxed. thank you - th...
by drzzzzz
Mon Jan 20, 2020 9:26 am
Forum: Personal Investments
Topic: Am I Silly Not To Cut And Run?
Replies: 15
Views: 3750

Re: Am I Silly Not To Cut And Run?

I would wait and see what happens unless you are eager to try to find another job. Sounds like you are getting paid a nice salary and have health benefits at this time and likely ongoing for awhile even if the company goes into bankruptcy. Your pension also appears to be covered by either the compan...
by drzzzzz
Sun Jan 19, 2020 9:43 pm
Forum: Personal Investments
Topic: How Long To Keep Retirement Account Statements
Replies: 6
Views: 826

How Long To Keep Retirement Account Statements

How long are people keeping retirement account statements for a typical IRA or 401K that only has pre-tax dollars. Cost basis isn't needed and everything in the account will be taxed when it gets distributed, so do you need to hold onto the paperwork? thanks
by drzzzzz
Sat Jan 18, 2020 9:49 am
Forum: Personal Investments
Topic: Short term CD vs Savings Account APY
Replies: 2
Views: 389

Re: Short term CD vs Savings Account APY

You can easily purchase 3 month treasury bills for a higher yield if your interest is in keeping to 3 months and are also exempt from state taxes.
by drzzzzz
Wed Jan 15, 2020 10:44 pm
Forum: Personal Investments
Topic: Vanguard Health Care Fund
Replies: 15
Views: 2516

Re: Vanguard Health Care Fund

Similar situation, have held the fund for a long time and have large embedded gains. I hate how much capital gains are being generated each year and decided to harvest the fund by donating it to a donor advised fund and gifting shares to nieces and nephews in lower tax brackets. Will buy the ETF ins...
by drzzzzz
Tue Jan 14, 2020 9:46 pm
Forum: Investing - Theory, News & General
Topic: [Deleted] [Re: (NEW) WisdomTree 90/60 U.S. Balanced Fund]
Replies: 652
Views: 68397

Re: (NEW) WisdomTree 90/60 U.S. Balanced Fund

So when will this fund disappoint versus a traditional 60 sp500/40 total bond? I am a bit worried that we are in a frenzy as the us market has been going up and up, and the number of leveraged strategies on this forum is at all time highs. Sometimes I forget I am reading bogleheads :D Nothing stopp...
by drzzzzz
Sun Jan 12, 2020 10:08 pm
Forum: Personal Investments
Topic: New Here Fidelity or Vanguard
Replies: 115
Views: 7152

Re: New Here Fidelity or Vanguard

These disussions are often amusing. I don't really care how much the Johnson family makes or what the salaries are at Vanguard as long as my needs are met including excellent customer service, knowledgeable reps, a web interface that works, accurate data/information, and personal satisfaction with t...
by drzzzzz
Thu Jan 09, 2020 9:46 pm
Forum: Personal Investments
Topic: "In kind" transfer from Vanguard to Fido & Reinvest dividends,cap gains
Replies: 8
Views: 533

Re: "In kind" transfer from Vanguard to Fido & Reinvest dividends,cap gains

I would switch to ETFs of the underlying mutual funds prior to the transfer or since its in an IRA sell the Vanguard mutual funds while at Vanguard and repurchase either the corresponding Fidelity mutual funds or ETFs of your choice once the transfer is made to Fidelity.
by drzzzzz
Thu Jan 02, 2020 4:06 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Continues to Lower the Cost of Investing with Expansion of Commission-Free Platform Beyond ETF
Replies: 72
Views: 5304

Re: Vanguard Continues to Lower the Cost of Investing with Expansion of Commission-Free Platform Beyond ETF

What I find so amusing about the free trades is that Vanguard is following the other brokerage houses rather than leading. Also, the concept of free trading of stocks smacks of stock/market timing or can potentially encourage it which Vanguard actively discourages and prevents with their mutual fund...
by drzzzzz
Thu Jan 02, 2020 4:00 pm
Forum: Investing - Theory, News & General
Topic: Free trades and Flagship status
Replies: 21
Views: 1594

Re: Free trades and Flagship status

What I find so amusing about the free trades is that Vanguard is following the other brokerage houses rather than leading. Also, the concept of free trading of stocks smacks of timing which Vanguard actively discourages and prevents with their mutual fund rules about selling and re- into a fund prio...
by drzzzzz
Wed Jan 01, 2020 7:50 pm
Forum: Investing - Theory, News & General
Topic: Barron's Cover article--Vanguard Led the Way for Decades. Now It’s Playing Catch-Up.
Replies: 141
Views: 13275

Re: Barron's Cover article--Vanguard Led the Way for Decades. Now It’s Playing Catch-Up.

Problem with owning Vanguard funds through another broker is they may try to sell expensive products to us after we suffer cognitive decline, or to our beneficiaries after we die. I don't know why so many people feel this is a concern and bring it up when I am now bombarded daily in my accoumt with...