Search found 3790 matches

by Lafder
Wed Oct 17, 2018 9:00 am
Forum: Investing - Help with Personal Investments
Topic: International Fund Down - What to do?
Replies: 36
Views: 2255

Re: International Fund Down - What to do?

List your desired asset allocation stocks/bonds and % International. You should have this in WRITING somewhere so you don't change it on the spot during market fluctuations. What is your rebalancing band ? My need to rebalance is only if my AA gets out of balance by more than 5% My goal is 65/35, 35...
by Lafder
Sun Oct 14, 2018 10:32 pm
Forum: Investing - Help with Personal Investments
Topic: Please help with asset allocation - 63 yr old
Replies: 12
Views: 1384

Re: Please help with asset allocation - 63 yr old

There is a general recommendation for age down to age - (15-20) in bonds. That would suggest 43-63% bonds for you. I like rounder number so I would go with a range of 60/40 asset allocation to 40/60. (These happen to be the asset allocations of the Vanguard Wellington and Wellesley funds). Or pick a...
by Lafder
Sun Oct 14, 2018 10:11 pm
Forum: Investing - Help with Personal Investments
Topic: Need Assistance for Pre-retirement Planning
Replies: 5
Views: 627

Re: Need Assistance for Pre-retirement Planning

Welcome here! You have a nice large nest egg already. The bulk of your holdings are in taxable holdings that might result in capital gains taxes if you sell your current holdings. Can you list out all of your current holdings so we can see the tax effects and what your choices for investing have bee...
by Lafder
Sat Oct 13, 2018 10:52 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity 401k and Hello
Replies: 20
Views: 1007

Re: Fidelity 401k and Hello

Writing out the ER's really helps you see the best options. You have already gotten good suggestions on the best options. If you can afford to max your 401k each year, the annual increase is not necessary since you are already at the max :) The way that is done as a $ amount per paycheck or % can va...
by Lafder
Sat Oct 13, 2018 10:46 am
Forum: Investing - Help with Personal Investments
Topic: What to do with inheritance
Replies: 17
Views: 2354

Re: What to do with inheritance

Welcome here! I would: Max retirement accounts every year, even if it meant dipping into taxable savings to cover expenses. Pay off mortgage, then trickle the payments in to the market each month and/or into a savings account to build up your remodeling fund. That is the only guaranteed return of th...
by Lafder
Sat Oct 13, 2018 10:24 am
Forum: Investing - Help with Personal Investments
Topic: Sell it all
Replies: 11
Views: 2729

Re: Sell it all

Target funds such as Vanguard's target date retirement funds or their Life Strategy funds come in varying asset allocations from aggressive (Life Strategy Growth, or a many years from now retirement date) to conservative (Life Strategy Retirement, or a current retirement date fund). The advantage to...
by Lafder
Sat Oct 13, 2018 10:23 am
Forum: Investing - Help with Personal Investments
Topic: Sell it all
Replies: 11
Views: 2729

Re: Sell it all

oops duplicate
by Lafder
Wed Oct 10, 2018 9:26 pm
Forum: Investing - Help with Personal Investments
Topic: Unwinding and transferring positions
Replies: 23
Views: 1216

Re: Unwinding and transferring positions

I like the simplified way retiredjg broke it down! If there is a big enough stock market crash to need to buy stocks with bonds, you can buy stocks in your IRA or 401k. It bugs me a bit to have just bonds there. But the bulk of your money is in non retirement accounts, and it is nice and simple. Is ...
by Lafder
Wed Oct 10, 2018 9:20 am
Forum: Investing - Help with Personal Investments
Topic: Unwinding and transferring positions
Replies: 23
Views: 1216

Re: Unwinding and transferring positions

The good news is that you have more losses than gains in your taxable stocks. So you can sell all at a loss now, then reallocate it all without owing taxes. Ok to sit on what you have til you make a definite decision. Have you considered paying off your mortgage with a chunk of your cash ? That is t...
by Lafder
Wed Oct 10, 2018 9:11 am
Forum: Investing - Theory, News & General
Topic: Vanguard website problems [Transactions won't go through, 500 error...]
Replies: 94
Views: 4033

Re: Vanguard website today

I just tried logging in and was able to see all accounts and details. I am on the brokerage platform. I have mutual funds as well as individual stocks there. I did not try to initiate any transactions.

Maybe it is a regional server or ?

lafder
by Lafder
Sun Oct 07, 2018 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: can i start a private investment firm?
Replies: 70
Views: 5078

Re: can i start a private investment firm?

Can you give more details of what you are wanting to do? You have clearly stated you are wanting to follow the law. Explain what you are thinking of doing and more feedback can be given. Why would someone invest with you? Serious question. There is no guarantee they would even get their initial inve...
by Lafder
Sun Oct 07, 2018 10:43 am
Forum: Personal Finance (Not Investing)
Topic: What is your annual cost for health insurance?
Replies: 137
Views: 9550

Re: What is your annual cost for health insurance?

Ours is awfully expensive! Good coverage but $$$$$. It is COBRA. When I tried to find a private plan, costs were high for much less coverage so I decided to pay more for better coverage............figuring I CAN afford it and will be sorry if we have a medical issue while covered. Plus it was gettin...
by Lafder
Sun Oct 07, 2018 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Concerns of buying a home...what would you do?
Replies: 23
Views: 2083

Re: Concerns of buying a home...what would you do?

It sounds like your friends are there, and you plan to be there for the long term. In that case, even if the market drops and you stay there for years and years, the market will hopefully recover again. IN other words, if you live there for the long term, who cares what the value of the house is for...
by Lafder
Sat Oct 06, 2018 7:29 pm
Forum: Investing - Help with Personal Investments
Topic: Solo 401K contributions year of death
Replies: 4
Views: 339

Re: Solo 401K contributions year of death

I am sorry I do not know the answer to your question. I just wanted to say I wish your DH a safe and successful surgery !! If he passes, or has a long recovery............ would you need the cash for other things, vs maxing out the 401k ? If he passes, the 401k contribution will be the least thing y...
by Lafder
Sat Oct 06, 2018 7:25 pm
Forum: Investing - Help with Personal Investments
Topic: Mortgage lump sum question - What would you do?
Replies: 23
Views: 2482

Re: Mortgage lump sum question - What would you do?

You will feel brilliant and satisfied if you pull out the money to pay off the mortgage, and then the market crashes bad in the next year so that money does not drop in value, and you are able to trickle in the mortgage payments into the market :) Assume the financial difference of paying off vs not...
by Lafder
Sat Sep 29, 2018 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: Holding off on rebalancing a portfolio worth it?
Replies: 9
Views: 773

Re: Holding off on rebalancing a portfolio worth it?

Before making a contribution, check your asset allocation. Put new money into which ever category is "low" compared to the others. So if stocks have grown, you would buy bonds. If stocks have dropped, you buy stocks. Whichever number has dropped in your AA, you buy new in that category. If your AA i...
by Lafder
Sat Sep 29, 2018 9:15 am
Forum: Investing - Help with Personal Investments
Topic: Need some advice getting started at 34yo
Replies: 16
Views: 2438

Re: Need some advice getting started at 34yo

You really do not need to pay for the extra 0.3% PAS services at Vanguard. You can simply choose an all in one fund, or a Total stock market index fund, or a simple 3 fund portfolio. The services PAS does, we can help you with. But you will have to check your investments from time to time, and possi...
by Lafder
Sat Sep 29, 2018 8:57 am
Forum: Investing - Help with Personal Investments
Topic: Holding off on rebalancing a portfolio worth it?
Replies: 9
Views: 773

Re: Holding off on rebalancing a portfolio worth it?

You can rebalance on an ongoing basis by where you choose to put new investments. Many of us rebalance with new investments and almost never have to sell anything to rebalance. So I would suggest that kind of ongoing rebalancing along the way. As long as you keep putting money in, even if you just k...
by Lafder
Sat Sep 29, 2018 8:50 am
Forum: Investing - Help with Personal Investments
Topic: First time investor
Replies: 14
Views: 1153

Re: First time investor

You are "investing" in your retirement accounts, so you are not as much as a newbie as you think you are ! All in one funds are a nice simple way to put money into an account and have it rebalance for you :) All in one funds (such as target date retirement accounts) are mutual funds made up of sever...
by Lafder
Fri Sep 28, 2018 11:24 pm
Forum: Investing - Help with Personal Investments
Topic: Overly diversified - consolidate ?
Replies: 7
Views: 744

Re: Overly diversified - consolidate ?

Sure I prefer fewer different accounts and holdings if possible. :D Your all in one funds are redundant to your single funds. Why have both? These are taxable accounts. So you may ow capital gains tax if you make any changes, which may not be worth it just to simplify or optimize taxes. You can set ...
by Lafder
Wed Sep 26, 2018 10:43 pm
Forum: Investing - Help with Personal Investments
Topic: Should I sell or rent my house?
Replies: 22
Views: 1882

Re: Should I sell or rent my house?

I have never heard that moving out of a home makes the mortgage due, when you continue to own it. This is sometimes a clause in the first ? 6-12 months of a mortgage to give lower rates for primary residence. But not after you have lived there for awhile. Landlord's insurance does not cover personal...
by Lafder
Sun Sep 23, 2018 11:45 pm
Forum: Investing - Help with Personal Investments
Topic: Rollover IRA from previous employer?
Replies: 4
Views: 437

Re: Rollover IRA from previous employer?

Wonderfully low ERs !! I see your situation better now, thanks for adding the details. Do you have a current employer retirement account? Or just a pension beyond your control? I would max out the his and her Roths every year you can afford it :) but after maxing the pretax retirement accounts. When...
by Lafder
Sun Sep 23, 2018 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: Introduction and some questions!
Replies: 13
Views: 1324

Re: Introduction and some questions!

Welcome here! Take the time to post all of your holdings in this format https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 List them as % of total, include expense ratios (ERs). This will help you get a good look at your current asset allocation and help you start thinking about what asset al...
by Lafder
Sun Sep 23, 2018 7:31 pm
Forum: Investing - Help with Personal Investments
Topic: Emotional Investor - I'm a mess and need help!
Replies: 83
Views: 6356

Re: Emotional Investor - I'm a mess and need help!

sruliz, I STILL think you should list all of your current fees with ERs, 121b fees, Loads. The 1% you think you are paying are just the fees they list on your statements. There are other fees you have to search to find and you NEVER see them come out of your account or get listed on a statement so m...
by Lafder
Sun Sep 23, 2018 2:47 pm
Forum: Investing - Help with Personal Investments
Topic: Emotional Investor - I'm a mess and need help!
Replies: 83
Views: 6356

Re: Emotional Investor - I'm a mess and need help!

sruliz, The first step is to acknowledge that you have a problem with investing :). The next step is to do something about it! You list the management fees you are paying at Merrill Lynch and Ameritrade. However you do not list the Expense ratios of your holdings which can be substantial, unless you...
by Lafder
Sun Sep 23, 2018 9:08 am
Forum: Investing - Help with Personal Investments
Topic: Rollover IRA from previous employer?
Replies: 4
Views: 437

Re: Rollover IRA from previous employer?

jmanter, Why don;t you take the time to post all of your holdings in this format https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 so we can talk about your entire portfolio :) The advantage to a 401k over an IRA is the ability to do back door Roths, if they apply in your case. If they do no...
by Lafder
Sat Sep 22, 2018 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Considering Quitting Job - Seeking Advice. Would you do it?
Replies: 154
Views: 12119

Re: Considering Quitting Job - Seeking Advice. Would you do it?

Wow to all of the wisdom in these posts. OP, you have enough $$ to make choices based on non financial factors. It seems the discussion has tipped you towards what you know is the best decision for you and your family. Your company is a big organization and will continue on long after you are gone. ...
by Lafder
Sat Sep 22, 2018 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Living trusts and relabeling accounts
Replies: 33
Views: 2496

Re: Living trusts and relabeling accounts

** I double checked with someone who transferred assets to their trust in the past few years in my state. They said "The attorney who did the trust prepared warranty deeds as if the home was being sold, to transfer it from the individuals to the trust."

lafder
by Lafder
Sat Sep 22, 2018 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Auto loan dispute
Replies: 9
Views: 990

Re: Auto loan dispute

NSF seems to mean "Non Sufficient Funds" or national sanitation foundation :) Is this about some payments that were due on the loan but there were NSF to cover? Such as you made payments after the total loss so they refunded them, but you had not had the money in the account so they refunded you mon...
by Lafder
Sun Sep 16, 2018 11:04 am
Forum: Investing - Help with Personal Investments
Topic: Paying off mortgage with 87K left on it
Replies: 69
Views: 6303

Re: Paying off mortgage with 87K left on it

Awesome to hear how good it feels to have it paid off!

Congratulations! A milestone indeed!

lafder
by Lafder
Sat Sep 15, 2018 9:54 am
Forum: Investing - Help with Personal Investments
Topic: What if I exceed the 55k 401k limit?
Replies: 4
Views: 891

Re: What if I exceed the 55k 401k limit?

My husband's 401k automatically became "post tax" contributions when the pretax limit was hit. So he set contributions as a % of paycheck pretax, and they continued post tax automatically. His plan documents clearly said this would happen. And they automatically stopped contributions when the annual...
by Lafder
Sat Sep 15, 2018 9:38 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard platform
Replies: 50
Views: 5319

Re: Vanguard platform

For those of you who have not made the change, you are worrying over something that was not a big deal at all. The main difference for me was that the brokerage accounts previously, that held stocks, were a different account number. When we changed to the brokerage platform, I really could not tell ...
by Lafder
Sat Sep 15, 2018 9:06 am
Forum: Investing - Help with Personal Investments
Topic: Upper six-figures portfolio & tax management part 2
Replies: 18
Views: 2650

Re: Upper six-figures portfolio & tax management part 2

Change your % to of portfolio, versus per account as you are doing now. It makes it much easier to calculate your AA and rebalance since the % are equivalent to each other. It also helps you see how tiny some holdings are and makes it easier to simplify. I agree with the comments to max your retirem...
by Lafder
Tue Sep 11, 2018 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Sole Proprietor LLC quarterly estimated tax payment
Replies: 11
Views: 623

Re: Sole Proprietor LLC quarterly estimated tax payment

IRS is old fashioned. If you are the wife, you need to list the husband's SS# as they use the husband's SS# as primary. I list both on my check to be sure, but his first. It bothers me since it is my income (I am a wife, sole proprietor, self employed) but per my accountant the IRS keeps track of re...
by Lafder
Sun Sep 09, 2018 9:24 pm
Forum: Investing - Help with Personal Investments
Topic: Paying off mortgage with 87K left on it
Replies: 69
Views: 6303

Re: Paying off mortgage with 87K left on it

You have gone this long without paying it off. Go ahead and pay it off and see what that feels like. Build your reserves to your desired amount again in the next few months. Then trickle the equivalent of the monthly payments into investments each month. Then report back on how it feels. If you regr...
by Lafder
Sat Sep 08, 2018 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: need help with portfolio adjustment with new income + moving away from money managers
Replies: 5
Views: 605

Re: need help with portfolio adjustment with new income + moving away from money managers

How are the options with your current 401k ? Can you list the options with their ERs (Expense Ratios). List those in detail please. If the options are decent, I would consider moving your IRA and original 401k into your current 401k for simplification. There is no need to pay extra for Financial eng...
by Lafder
Sat Sep 08, 2018 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Help Simplifying Portfolio
Replies: 16
Views: 1631

Re: Help Simplifying Portfolio

Please go back and edit your original post so the total % add up to 100%. Not as you have it per account. This will really let you see the % of each holding and makes rebalancing and hitting your desired AA much easier since the % are comparable to each other. It is fine to have just one holding in ...
by Lafder
Mon Sep 03, 2018 11:52 pm
Forum: Personal Consumer Issues
Topic: Get out of Lease Early
Replies: 10
Views: 1571

Re: Get out of Lease Early

Leased vehicles can be traded in at other dealerships just as a car with a loan or cars owned outright. The lease has a buyout value, and the dealer you are buying a car from gets that information as part of their transaction in calculating what the car is worth minus what is owed just as if it had ...
by Lafder
Sat Sep 01, 2018 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Medical liability claim settlement. What is fair?
Replies: 40
Views: 2659

Re: Medical liability claim settlement. What is fair?

Reimbursement for medical expenses to you. Entire amount for pain and suffering to her. Unless she agrees to give you some. But it is up to you if you ask her to kick in for any of her future expenses you have been covering. For me it would depend on my child. If the saver, I would let them know and...
by Lafder
Sat Sep 01, 2018 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: How do you 7 figure guys organize multiple accounts?
Replies: 164
Views: 11998

Re: How do you 7 figure guys organize multiple accounts?

It's not how much money is in the accounts, it is how many accounts you have. Perhaps you could list all of your accounts and we can help you simplify! We have his and hers and ours accounts at Fidelity and Vanguard. And we each have agent authorization on each others' accounts. So one log in at Van...
by Lafder
Sat Sep 01, 2018 11:38 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Mutual Fund Safety vs. Brokerage Fund SIPC/Lloyd's Insurance
Replies: 15
Views: 789

Re: Vanguard Mutual Fund Safety vs. Brokerage Fund SIPC/Lloyd's Insurance

Mike, This is a friendly site and folks will help talk you through your questions. Vanguard is moving all accounts to "brokerage accounts" so it will be unavoidable as mentioned. Rather than separate platforms for mutual funds and another for stocks, they are changing all accounts to a format that c...
by Lafder
Sat Sep 01, 2018 11:18 am
Forum: Investing - Help with Personal Investments
Topic: Advice for my son - 20 years old with a spare $10K
Replies: 13
Views: 1378

Re: Advice for my son - 20 years old with a spare $10K

If this was for long term investing I would rec a Total Stock Market fund, or a Target Retirement date fund age appropriate, or a Life Strategy Growth fund at Vanguard. The latter two are all in one funds that rebalance for you. The Target Retirement date funds add bonds with age. The Life Strategy ...
by Lafder
Sat Sep 01, 2018 11:09 am
Forum: Investing - Help with Personal Investments
Topic: Suddenly disabled but need to invest
Replies: 17
Views: 1898

Re: Suddenly disabled but need to invest

I am sorry for your stress. I hope you are seeing a professional to help support you. I would consider paying off your mortgage with some of the cash. It decreases your monthly expenses, which decreases your needed income. And it takes the stress away from managing that chunk of investment. If inves...
by Lafder
Mon Aug 20, 2018 10:59 pm
Forum: Investing - Help with Personal Investments
Topic: Managed Account to...
Replies: 7
Views: 674

Re: Managed Account to...

Welcome here! Yes I would change. If you do not want to do any self management, Vanguard will manage for 0.3% But you can also choose all in one funds or hold a 3 fund portfolio and manage it yourself. 1.2% of 1.4 million is a lot of money to be paying someone year after year, for what ? Consider po...
by Lafder
Sun Aug 19, 2018 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: Need Help -- Wife's Roth 401k Contribution
Replies: 6
Views: 401

Re: Need Help -- Wife's Roth 401k Contribution

My husband's employer matched pretax, Roth, and even post tax up to a certain percent of income only. His was only an odd number like 66 2/3 cents for every dollar. With your wife's generous match, I would do 6% of salary to at least get it. More if you can afford it. Keep in mind Roth space plus pr...
by Lafder
Fri Aug 10, 2018 9:15 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review, Age 31, $1.5 million net worth
Replies: 38
Views: 8322

Re: Portfolio Review, Age 31, $1.5 million net worth

Lot's of great comments already ! I am commenting on your taxable holdings to be sure you understand the redundancy. You may want to just keep what you have to not have any capital gains taxes to pay to change. You can simplify. You say you want 80% stocks, at market weight, and 30% International, a...
by Lafder
Fri Aug 10, 2018 8:50 am
Forum: Investing - Help with Personal Investments
Topic: Investment Advice - Lump sum investing
Replies: 15
Views: 1428

Re: Investment Advice - Lump sum investing

I would pay off the mortgage! That leaves you 41k to invest this month. Plus the equivalent of the mortgage payment to invest every month. What will that be over the next ten years that you will have dollar cost averaged into the market? Do not think of "losing" the 209k if you pay off the mortgage....
by Lafder
Wed Aug 08, 2018 11:11 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Advice - Lump sum investing
Replies: 15
Views: 1428

Re: Investment Advice - Lump sum investing

The fact that you have waited this long tells me you will be very anxious if you invest lump sum! You can moderate the risk by the % stocks/bonds you choose. Lump sum 100% stocks is different than lump sum 10% stocks, 90% bonds. Are you set on your desired AA ? Is there any amount you want to pay in...
by Lafder
Fri Aug 03, 2018 11:11 pm
Forum: Investing - Help with Personal Investments
Topic: Nervous about not using a personal wealth manager. How do I do this myself?
Replies: 135
Views: 6826

Re: Nervous about not using a personal wealth manager. How do I do this myself?

Welcome here! DO you understand about ER's (Expense Ratios) and load fees (front load and back load) ? If your advisor chooses funds with high ERs or loads, it wipes out your investment from the start and takes from it every year. Index funds with low ERs allow you to buy the market instead of tryin...
by Lafder
Sun Jul 22, 2018 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: Mega Backdoor Roth: automatic quarterly Roth In-plan conversion and transfer to private Roth IRA
Replies: 10
Views: 1115

Re: Mega Backdoor Roth: automatic quarterly Roth In-plan conversion and transfer to private Roth IRA

With my husband's 401k there was no way to do the transaction on line or set up for it to occur automatically. We had to call in every time. You want the in plan distribution to a Roth you control outside of the 401k but fine and simpler if also with Fidelity. You do not want it simply moved to the ...