Search found 3941 matches

by placeholder
Mon Jul 24, 2017 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: Low cost Roth IRA contribution
Replies: 13
Views: 927

Re: Low cost Roth IRA contribution

I don't know of ANY discount brokerage with inactivity fees. Forget that, Vanguard is not special there. I'd look at Schwab. Here's a recent thread about their low-cost/low-minimum offerings:

viewtopic.php?f=1&t=224045
by placeholder
Thu Apr 16, 2015 12:14 pm
Forum: Investing - Theory, News & General
Topic: Do REITs really offer effective portfolio diversification?
Replies: 108
Views: 12868

Re: Do REITs really offer effective portfolio diversificatio

JonnyDVM wrote:I don't understand why there's so much hate towards REITs.

There's a contingent here that takes as a personal affront if anyone recommends something besides the three fund portfolio.
by placeholder
Sat Mar 28, 2015 11:49 am
Forum: Investing - Help with Personal Investments
Topic: Newbie.. 401k & investment advice please
Replies: 50
Views: 7310

Re: Newbie.. 401k & investment advice please

like that stable value fund as well. But so many of them have reduced their payout that I'm not sure that the 3% is going to be lasting. Having said that, it has lasted while a bunch of others have dwindled. Yet people here will fall all over themselves to recommend the G Fund which is currently at...
by placeholder
Mon Feb 23, 2015 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Limited account access
Replies: 5
Views: 838

Re: Limited account access

Doesn't CapOne own Sharebuilder?
by placeholder
Mon Feb 23, 2015 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Limited account access
Replies: 5
Views: 838

Re: Limited account access

Sounds interesting and if generally adopted would remove some of my concerns about such programs but I don't think any of my accounts support that.
by placeholder
Tue Feb 17, 2015 10:37 am
Forum: Forum Issues and Administration
Topic: Poll [Checking Local Chapters & Bogleheads Community forum]
Replies: 14
Views: 1597

Re: Poll

jfn111 wrote:I log on to http://www.bogleheads.org and hit "view new posts". I have no idea what all the sub forums are?

This sort of thing is probably why so many threads are started in the wrong (often extremely wrong) sub forum.
by placeholder
Mon Jan 12, 2015 1:20 am
Forum: Personal Finance (Not Investing)
Topic: Should I convert Traditional to Roth (for Backdoor)
Replies: 13
Views: 1594

Re: Should I convert Traditional to Roth (for Backdoor)

aLLbUSINESS wrote:Self Employed. No 401k.

You should be setting up a solo 401k even without the rollover business because if you're phased out of direct Roth then tax deferral is even more important.
by placeholder
Tue Dec 30, 2014 5:06 pm
Forum: Investing - Help with Personal Investments
Topic: Help with portfolio: new funds, asset allocations, taxes...
Replies: 12
Views: 1915

Re: Help with portfolio: new funds, asset allocations, taxes

Obviously the general consensus in this thread is that the 3 fund approach is superior. Are there any other competing approaches/styles (that while you may not agree with) that might be worth my time to investigate. Might want to look at this: http://www.bogleheads.org/forum/viewtopic.php?t=38374
by placeholder
Wed Dec 24, 2014 11:31 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie looking for investment advice
Replies: 10
Views: 1259

Re: Newbie looking for investment advice

ny_rn wrote:Look at the Vanguard STAR Fund (VGSTX)

Why do you prefer that to a target date fund?
by placeholder
Wed Dec 24, 2014 11:13 pm
Forum: Investing - Theory, News & General
Topic: Who tilts to Small Caps but not REITs?
Replies: 44
Views: 4313

Re: Who tilts to Small Caps but not REITs?

I don't fiddle around with my allocation so I use the one I reformulated several years ago after my company 401k dropped its large value fund so I currently have a tilt to small and value and 10% of stocks in REIT and don't plan on doing anything with that so "stay the course" and all that.
by placeholder
Wed Dec 24, 2014 11:06 pm
Forum: Investing - Theory, News & General
Topic: Have you ever hoped for a correction?
Replies: 52
Views: 4875

Re: Have you ever hoped for a correction?

If you want to know the true answer to this question for yourself, go back to you account(s) history for your account(s) and look to see what trades you made between 10/13-10/20. I did not perform a portfolio analysis during that specific week and the ones I did around 10/1 and 11/1 did not trigger...
by placeholder
Wed Dec 24, 2014 9:38 pm
Forum: Forum Issues and Administration
Topic: HTTPS (aka TLS, aka SSL) comes to bogleheads.org
Replies: 50
Views: 7963

Re: HTTPS (aka TLS, aka SSL) comes to bogleheads.org

LadyGeek wrote:You can have "easy to use" or have "secure".

I guess I'm not sure why I'd be concerned about security here because I can't think of any dire consequences.
by placeholder
Wed Dec 24, 2014 1:30 pm
Forum: Investing - Help with Personal Investments
Topic: How to Backdoor Roth with Existing TIRA Balance
Replies: 1
Views: 399

Re: How to Backdoor Roth with Existing TIRA Balance

Current holdings have nothing to do with future contributions so she can't do what you suggest but she could: 1. Add 5500 and then convert the entire thing owing taxes on the 6k taxable amount 2. Add 5500 and then convert part owing taxes on about half of the conversion 3. Roll the 6000 into a quali...
by placeholder
Wed Dec 24, 2014 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie looking for investment advice
Replies: 10
Views: 1259

Re: Newbie looking for investment advice

Even though just starting you should post information in this format:
http://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212
But absent anything else I would say open a Roth IRA with a Vanguard target date fund.
by placeholder
Wed Dec 24, 2014 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: backdoor roth balance question
Replies: 24
Views: 3387

Re: backdoor roth balance question

I had that happen once and the brokerage eventually sent another check for the small amount and since I hadn't mailed in the first one I included both in the same submission to the 401k but in your case I would contact the brokerage and tell them not to do a direct rollover check with that then just...
by placeholder
Wed Dec 24, 2014 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: Index Fund Advice
Replies: 3
Views: 910

Re: Index Fund Advice

You don't really need to pay someone to put you in two index funds but to get the best answers on the whole picture show the choices with ERs of the funds in the 401k and any other missing information from this:
http://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212
by placeholder
Wed Dec 24, 2014 12:25 pm
Forum: Investing - Theory, News & General
Topic: Please explain dividends to me
Replies: 11
Views: 2572

Re: Please explain dividends to me

Dividends are free money in a sense or more accurately the proportional slice of the earnings that the companies are distributing to shareholders and the business with the NAV is just an artifact of the way stocks work in that whoever holds a share on the dividend date gets the full dividend so the ...
by placeholder
Wed Dec 24, 2014 11:51 am
Forum: Personal Finance (Not Investing)
Topic: How much notice to give prior to Retirement ?
Replies: 62
Views: 15746

Re: How much notice to give prior to Retirement ?

Be prepared to be shown the door immediately Understand your company's culture first as where I work at a mega corp people retire regularly so it's a normal part of the career process and they announce anywhere from weeks to months in advance then we have transition activities and a company paid re...
by placeholder
Wed Dec 24, 2014 11:48 am
Forum: Personal Finance (Not Investing)
Topic: 2014 Tax Prep Software question
Replies: 3
Views: 755

Re: 2014 Tax Prep Software question

I've been using Block for years and will in all likelihood do so again using the discounted offer they sent in the mail ($10 Deluxe or $15 with state).
by placeholder
Wed Dec 24, 2014 11:41 am
Forum: Personal Finance (Not Investing)
Topic: POLL: What are your monthly food expenses?
Replies: 67
Views: 6846

Re: POLL: What are your monthly food expenses?

cheese_breath wrote:This may sound unbogleheadish, but I don't track them.

I don't either because I don't budget period so there's really no point.
by placeholder
Wed Dec 24, 2014 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Long/Short Term Capital Gains
Replies: 6
Views: 813

Re: Long/Short Term Capital Gains

Note that if there are distributed short term capital gains those are not negated by capital losses like from tax loss harvesting but are instead treated as non qualified dividends and taxed at your marginal rate.
by placeholder
Wed Dec 24, 2014 11:22 am
Forum: Personal Consumer Issues
Topic: Hacking: ETF safer than Mutual Funds?
Replies: 5
Views: 962

Re: Hacking: ETF safer than Mutual Funds?

Generally speaking brokerage and mutual fund accounts don't allow moving money directly to random bank accounts so there will be a delay regardless in moving the money.
by placeholder
Wed Dec 24, 2014 1:22 am
Forum: Investing - Theory, News & General
Topic: Poll: How important is rebalancing?
Replies: 51
Views: 8290

Re: Poll: How important is rebalancing?

tetractys wrote:I don't understand those who steadfastly claim there is no return potential for rebalancing

Who said there was no "potential" return because anything can have a potential return including lottery tickets it's just that there's no expected return for rebalancing.
by placeholder
Wed Dec 24, 2014 1:18 am
Forum: Investing - Help with Personal Investments
Topic: Splitting a Roth IRA to 2 accounts
Replies: 10
Views: 1570

Re: Splitting a Roth IRA to 2 accounts

unlimited wrote:@placeholder: Would you happen to know how contributions/earnings are treated during the split? Ordering rules?

From the standpoint of the IRS there's only one Roth regardless of how many accounts it's spread over.
by placeholder
Tue Dec 23, 2014 10:45 pm
Forum: Investing - Help with Personal Investments
Topic: Splitting a Roth IRA to 2 accounts
Replies: 10
Views: 1570

Re: Splitting a Roth IRA to 2 accounts

I have split (and combined) Roths for bonuses in the past and would do it again.
by placeholder
Tue Dec 23, 2014 10:34 pm
Forum: Investing - Help with Personal Investments
Topic: Is it OK to TLH from VXUS to VEU?
Replies: 4
Views: 931

Re: Is it OK to TLH from VXUS to VEU?

In my opinion (which is all that you can get because there is no definitive answer) those would not constitute a wash sale.
by placeholder
Tue Dec 23, 2014 10:25 pm
Forum: Investing - Help with Personal Investments
Topic: Expenses with Vanguard LS vs. 3/4 Fund Portfolio
Replies: 5
Views: 920

Re: Expenses with Vanguard LS vs. 3/4 Fund Portfolio

mthelen2 wrote:-I've also read that ETFs can be more tax-efficient through in-kind redemptions. C

Vanguard ETFs are a share class of the mutual fund and no more or less tax efficient than any other class.
by placeholder
Tue Dec 23, 2014 10:16 pm
Forum: Investing - Theory, News & General
Topic: Thoughts on real estate allocation and owning your home
Replies: 34
Views: 4739

Re: Thoughts on real estate allocation and owning your home

Johno wrote:Again there's no 'if' about home as investment, it is.

[Off-topic comment and followups removed by admin alex. The acceptable context of the removed posts is that in the poster's opinion a home is not an investment]
by placeholder
Tue Dec 23, 2014 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Relents! Notice 2014-54 permits Basis Isolation
Replies: 116
Views: 19528

Re: IRS Relents! Notice 2014-54 permits Basis Isolation

I don't believe there is any requirement that when rolling out a distribution from a separately managed sub account (like after tax contributions) than any other sub accounts in an active plan need to be included in the distribution regardless of the ability to distribute or at least that's what I h...
by placeholder
Tue Dec 23, 2014 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Taking mortgage to contribute more to Roth
Replies: 23
Views: 2982

Re: Taking mortgage to contribute more to Roth

Slick, your plan would be perfect if you had the extra money to do it. But taking out a mortgage to do it is just crazy in my opinion. Borrowing money to invest is just not wise. I took out a home equity loan a few years ago to invest and there's really no difference between buying a house with a m...
by placeholder
Tue Dec 23, 2014 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off an Engagement Ring or Contributing to a Roth IRA?
Replies: 26
Views: 3563

Re: Paying off an Engagement Ring or Contributing to a Roth

What if you get laid-off or injured or any of a number of things that will make that looming $8,000 a big problem? Then you've got to mess with pulling your contributions back out of the Roth, scramble to scrape up the remainder... Nah, I'd rather just get myself off the hook for the money as soon ...
by placeholder
Tue Dec 23, 2014 9:18 pm
Forum: Personal Consumer Issues
Topic: Long Term Disability Denied - Runner's Knees
Replies: 21
Views: 4333

Re: Long Term Disability Denied - Runner's Knees

I must be missing something. First, chondromalacia (which just means softening of the cartilage) does not necessarily advance to arthritis. Second, any one of us may get arthritis as we get older. I don't think what might happen in the future counts as a disability today. It doesn't really matter w...
by placeholder
Tue Dec 23, 2014 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: New investor. Doesn't qualify for Roth. Help
Replies: 29
Views: 2964

Re: New investor. Doesn't qualify for Roth. Help

How are you paid as in are you some sort of independent contractor or work for a company or what?
by placeholder
Tue Dec 23, 2014 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: Voya 401(k)'s insanely high ER's on Vanguard funds
Replies: 39
Views: 18433

Re: Voya 401(k)'s insanely high ER's on Vanguard funds

I agree that the employer is the responsible one as they signed up for the deal and as a note my very large plan used ING/VOYA and had very low expenses but that's what having billions in your plan can do for you if the plan committee is on top of things.
by placeholder
Tue Dec 23, 2014 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: 401k - rollover?
Replies: 8
Views: 2269

Re: 401k - rollover?

I believe that a big consideration is that your former employer can choose to change brokerage houses, funds' selection, rules and procedures, etc. of their 401k plan. If this should happen, you may lose even more control of your $$$ and perhaps without your knowledge. Thus, transferring your hard-...
by placeholder
Tue Dec 23, 2014 1:19 pm
Forum: Investing - Help with Personal Investments
Topic: 1-day-old Bogleheader seeking portfolio review
Replies: 25
Views: 4822

Re: 1-day-old Bogleheader seeking portfolio review

(1) If I don't get to do a reverse rollover of my Rollover IRA into 401(K) at work this year, could I still do that next year AND do a backdoor Roth IRA next year? (2) I just noticed that there is a 401(K) Roth IRA option at my work. Is that more advantageous for us to do in place of regular 401(K)...
by placeholder
Tue Dec 23, 2014 12:53 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3959
Views: 1051788

Re: U.S. stocks in freefall

peppers wrote:If the chickens come home to roost and the wolves are howling at the door.....we'll just eat 'em.

The chickens or the wolves?
by placeholder
Tue Dec 23, 2014 12:41 pm
Forum: Investing - Theory, News & General
Topic: Poll: How important is rebalancing?
Replies: 51
Views: 8290

Re: Poll: How important is rebalancing?

It is worth commenting because the subject seems to be constantly confused that directing contributions or withdrawals to move the AA toward target IS rebalancing. I agree and refer to it as "inline rebalancing" and with my 5/25 ranges I haven't had to do any other sort of rebalance in se...
by placeholder
Tue Dec 23, 2014 12:18 pm
Forum: Investing - Theory, News & General
Topic: The bear market is over
Replies: 242
Views: 74150

Re: The bear market is over

William Million wrote:An awful lot of money is made by timely re-balancing

And a lot is lost as well.
by placeholder
Tue Dec 23, 2014 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Car purchase: Buy or Finance
Replies: 41
Views: 5867

Re: Car purchase: Buy or Finance

I would just dump the difference into a reward checking account such as Consumers CU that pays 5.09% now while it lasts. Think you're off by a decimal there. It's pretty easy to check these things: http://www.myconsumers.org/personal/checking/free-rewards-checking.html Note that like most of these ...
by placeholder
Tue Dec 23, 2014 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Paying off an Engagement Ring or Contributing to a Roth IRA?
Replies: 26
Views: 3563

Re: Paying off an Engagement Ring or Contributing to a Roth

Roth first because it makes no financial sense to accelerate a 0% interest loan as long as you have the sense and ability to pay it off on schedule.
by placeholder
Tue Dec 23, 2014 1:12 am
Forum: Personal Finance (Not Investing)
Topic: The Mega Backdoor Roth IRA
Replies: 416
Views: 143012

Re: The Mega Backdoor Roth IRA

Why didn't you contact your plan administration?
by placeholder
Mon Dec 22, 2014 2:21 pm
Forum: Personal Consumer Issues
Topic: Who should pay for this meal?
Replies: 79
Views: 9884

Re: Who should pay for this meal?

If these are truly friends and you think that they expect you to treat don't go to a nice restaurant and spring splitting the check with them so discuss the arrangements ahead of time.
by placeholder
Mon Dec 22, 2014 1:31 pm
Forum: Investing - Theory, News & General
Topic: re: backdoor roth conversion
Replies: 2
Views: 641

Re: re: backdoor roth conversion

My understanding is that the time to do it is an January of a given year, then a few days later make the conversion. No the best time to do it is as soon as possible which all things equal is in January of the year the contribution is for but that's past and the soonest possible time is now and if ...