Search found 4251 matches

by dodecahedron
Sun May 26, 2019 8:44 am
Forum: Personal Investments
Topic: Beneficiary IRA - RMD's
Replies: 7
Views: 836

Re: Beneficiary IRA - RMD's

Update - after waiting 3 months for any IRS response, received form letter that they another 60 days to send me a complete response. Will let you know how it works out, trying to stay positive. The IRS is way behind. They just don´t have enough staff to deal with correspondence in a timely manner. ...
by dodecahedron
Sat May 25, 2019 9:06 am
Forum: Investing - Theory, News & General
Topic: "A Set-It-and-Forget-It Target-Date Series From Vanguard"
Replies: 98
Views: 8514

Re: "A Set-It-and-Forget-It Target-Date Series From Vanguard"

TD funds and LifeStrategy funds are indeed very similar in their approach to full diversification (mix of domestic and international, skewed towards domestic for both stocks and bonds), all-in-one automatically rebalanced funds, aiming at a set-and-forget philosophy. All of that is great in similar...
by dodecahedron
Fri May 24, 2019 8:47 pm
Forum: Investing - Theory, News & General
Topic: What kind of jobs do people who have SEP IRAs do?
Replies: 16
Views: 1238

Re: What kind of jobs do people who have SEP IRAs do?

Are they all small business owners? I'm blown away by the fact that one can contribute up to $56,000 (!) a year into it, assuming that's 25% of your income. So you'd have to be making ... 56k x4 = $224,000 a year in order to max it out. The maximum contribution limits are way way higher than any tr...
by dodecahedron
Fri May 24, 2019 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking comment on proposed revisions to Marginal Tax Rate and Traditional v. Roth wiki articles
Replies: 180
Views: 6844

Re: Seeking comment on proposed revisions to Marginal Tax Rate and Traditional v. Roth wiki articles

Apparently folks with taxable incomes over $100K were expected to be able to deal with such formulas or have the wherewithal to hire someone else who could. Perhaps the law of diminishing return. Lot more taxpayers with taxable income between $0-$100K, then between $100K-$200K, but would require th...
by dodecahedron
Fri May 24, 2019 4:54 pm
Forum: Personal Investments
Topic: Can I open a Roth for daughter's birthday present?
Replies: 13
Views: 1228

Re: Can I open a Roth for daughter's birthday present?

You or the kid can contribute up to the amount of their taxable income (but no more), but the max is the IRA limit. The relevant limit for IRA contributions is *not* their taxable income but rather the amount of their earned income, which is to say the total of the box 1 numbers in their W-2 wage s...
by dodecahedron
Fri May 24, 2019 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking comment on proposed revisions to Marginal Tax Rate and Traditional v. Roth wiki articles
Replies: 180
Views: 6844

Re: Seeking comment on proposed revisions to Marginal Tax Rate and Traditional v. Roth wiki articles

Striving for practical usefulness is appropriate. As the saying goes, all models are wrong but some [the good ones] are useful. Practicality is important. There are many small and relatively inconsequential discontinuities in the tax code. (The NBER TaxSim folks call these discontinuities ¨notches¨...
by dodecahedron
Fri May 24, 2019 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Seeking comment on proposed revisions to Marginal Tax Rate and Traditional v. Roth wiki articles
Replies: 180
Views: 6844

Re: Seeking comment on proposed revisions to Marginal Tax Rate and Traditional v. Roth wiki articles

The Congressional Budget Office'(CBO) definition of effective marginal tax rate agrees with Kevin´s. It is also the one used by the National Bureau of Economics TaxSim calculator, which is widely used by tax policy decision makers. Kevin´s definition is the correct one for making operational decisi...
by dodecahedron
Fri May 24, 2019 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Why doesn't QCD include 401(k) or 403(b)?
Replies: 27
Views: 925

Re: Why doesn't QCD include 401(k) or 403(b)?

P.S. It is usually a good idea to rollover qualified plans to an IRA in the year "before" you turn 70.5. You generally have far more flexible distribution options in addition to the QCD. I agree this is a good idea for most folks. An exception would be for those who continue to work after 70.5 for ...
by dodecahedron
Fri May 24, 2019 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Why doesn't QCD include 401(k) or 403(b)?
Replies: 27
Views: 925

Re: Why doesn't QCD include 401(k) or 403(b)?

I was wondering if the restriction on QCDs has to do with employer-matched funds, but typically 403(b)s don't offer employer-matching of contributions. Many 403b plans have employer contribution provisions. My employer contributes 11% of salaries to the 403b of all fulltime employees, regardless of...
by dodecahedron
Fri May 24, 2019 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Why doesn't QCD include 401(k) or 403(b)?
Replies: 27
Views: 925

Re: Why doesn't QCD include 401(k) or 403(b)?

Tax-free transfer of RMDs to charity only applies to IRAs. All of our funds subject to RMDs are in a 401k. Is anyone aware of WHY IRAs qualify for the Qualified Charity Deduction, but 401(k)s and 403(b)s don't? Seems arbitrary. I agree it is arbitrary, but there is a relatively straightforward work...
by dodecahedron
Fri May 24, 2019 2:02 am
Forum: Personal Finance (Not Investing)
Topic: Seeking comment on proposed revisions to Marginal Tax Rate and Traditional v. Roth wiki articles
Replies: 180
Views: 6844

Re: Seeking comment on proposed revisions to Marginal Tax Rate and Traditional v. Roth wiki articles

An analogy my students sometimes find helpful. Your statutory tax bracket rate is the partial derivative of tax liability with respect to a change in income, holding other key variables constant. Your effective marginal tax rate is the total derivative of tax liability with respect to a change in in...
by dodecahedron
Fri May 24, 2019 1:41 am
Forum: Personal Finance (Not Investing)
Topic: Seeking comment on proposed revisions to Marginal Tax Rate and Traditional v. Roth wiki articles
Replies: 180
Views: 6844

Re: Seeking comment on proposed revisions to Marginal Tax Rate and Traditional v. Roth wiki articles

I think it would be worthwhile to have the Marginal Tax Rate article explicitly mention the possibility of marginal rates that are greater than 100% (i.e. $100 in additional income results in more than $100 in additional tax). There may be several ways this can happen, but the only example of this ...
by dodecahedron
Thu May 23, 2019 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking comment on proposed revisions to Marginal Tax Rate and Traditional v. Roth wiki articles
Replies: 180
Views: 6844

Re: Seeking comment on proposed revisions to Marginal Tax Rate and Traditional v. Roth wiki articles

These are the complexities I'm aware of that are more likely to affect retirees: Phase-in of SS taxation IRMAA RMDs? this is more an investment issue and only an indirect tax issue I'm less familiar with the parts of the tax code that don't apply to me. I'm in my working years with a middle-high in...
by dodecahedron
Thu May 23, 2019 11:31 am
Forum: Investing - Theory, News & General
Topic: "A Set-It-and-Forget-It Target-Date Series From Vanguard"
Replies: 98
Views: 8514

Re: "A Set-It-and-Forget-It Target-Date Series From Vanguard"

I'm surprised by how aggressive these target-date funds are. For instance, at 10 years from retirement, they still allocate 70% in equities. I don't know, maybe it's just me who's unreasonably conservative... Although, as noted above, I think that target date funds are great for young people (like ...
by dodecahedron
Thu May 23, 2019 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Changing from owning to renting a home for retirement
Replies: 22
Views: 1741

Re: Changing from owning to renting a home for retirement

The idea of just having taxes and insurance to pay is the appealing part of owning. But renting for a short time might be nice to do while I decide what my long-term plan will be. There are so many options. So many options indeed. And I have been mulling over the switch from buying to renting decis...
by dodecahedron
Thu May 23, 2019 6:52 am
Forum: Investing - Theory, News & General
Topic: "A Set-It-and-Forget-It Target-Date Series From Vanguard"
Replies: 98
Views: 8514

Re: "A Set-It-and-Forget-It Target-Date Series From Vanguard"

I too am a fan of Target Date Funds. Not perfect but vastly superior to what most people would come up with on their own. If you have a 401(k) and don't know what to do, the Target Date Fund with the date closest to your projected retirement date isn't a bad choice. I agree. When my daughters start...
by dodecahedron
Thu May 23, 2019 6:33 am
Forum: Investing - Theory, News & General
Topic: "A Set-It-and-Forget-It Target-Date Series From Vanguard"
Replies: 98
Views: 8514

Re: "A Set-It-and-Forget-It Target-Date Series From Vanguard"

Besides fixed vs gliding AA, the other difference between LS and Target is use of TIPS in the conservative AA for older investors. I think that an advantage of Target, but I think they switched from long term to short term TIPS. Anybondy know why ? Originally Vanguard offered only one TIPS fund, th...
by dodecahedron
Thu May 23, 2019 6:05 am
Forum: Personal Investments
Topic: 401(k)/403(b) Distributions When You Have Both Traditional and Roth Money
Replies: 4
Views: 361

Re: 401(k)/403(b) Distributions When You Have Both Traditional and Roth Money

I have made both Roth and pretax contributions to my 403b with TIAA. I recently decided that I wanted roll some of the pretax balance out to an IRA. I was able to do this by choosing the ¨custom¨ tab on the distribution page. The default otherwise, if you don´t choose the custom tab, is to distribut...
by dodecahedron
Wed May 22, 2019 7:29 pm
Forum: Investing - Theory, News & General
Topic: I'm arguing with Marketwatch article author....
Replies: 12
Views: 2295

Re: I'm arguing with Marketwatch article author....

Annuity should pay more because you are spending the principal down to zero. With SWR are guaranteed a positive balance and likely to increase your portfolio value over time. With SWR you are not ¨guaranteed¨a positive balance. It uses a Monte Carlo simulation model based on past patterns that proj...
by dodecahedron
Wed May 22, 2019 6:42 pm
Forum: Investing - Theory, News & General
Topic: I'm arguing with Marketwatch article author....
Replies: 12
Views: 2295

Re: I'm arguing with Marketwatch article author....

Annuity should pay more because you are spending the principal down to zero. With SWR are guaranteed a positive balance and likely to increase your portfolio value over time. With SWR you are not ¨guaranteed¨a positive balance. It uses a Monte Carlo simulation model based on past patterns that proj...
by dodecahedron
Wed May 22, 2019 6:25 pm
Forum: Investing - Theory, News & General
Topic: How does the charitable fund deduction work?
Replies: 20
Views: 1006

Re: How does the charitable fund deduction work?

As Gill suggested, it sure sounds like you're referring to a donor advised fund (i.e. DAF). Let's use Fidelity Charitable as an example, as they seem to be the most popular here due to $50 minimum grants and no minimums on contributions. You use a minimum of $5000 (I think) to establish the donor a...
by dodecahedron
Wed May 22, 2019 9:25 am
Forum: Investing - Theory, News & General
Topic: Turnover in Tax-Advantaged Accounts--Does it Matter?
Replies: 5
Views: 519

Re: Turnover in Tax-Advantaged Accounts--Does it Matter?

One effect of turnover on return is the brokerage cost to the fund for buying and selling securities. I do know that for US stocks the estimate is 1% cost for every 100% in turnover. I think bonds cost less. Whether turnover in bonds cost less or not depends on the type of bond. Treasury bonds are ...
by dodecahedron
Tue May 21, 2019 10:19 pm
Forum: Personal Investments
Topic: $400,000 gift to stepdaughter
Replies: 76
Views: 8546

Re: $400,000 gift to stepdaughter

My plan is to initially give SD the IRS annual maximum allowable gift amount, currently $15,000, The IRS does not have a ¨maximum allowable gift.¨ You can legally give your stepdaughter more than $15K per year. The only stipulation is that if you give her more than $15K in a single year, you need t...
by dodecahedron
Tue May 21, 2019 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking comment on proposed revisions to Marginal Tax Rate and Traditional v. Roth wiki articles
Replies: 180
Views: 6844

Re: MARGINAL TAX RATE

I haven't yet had time to read the old and new wiki pages, but since this is very related to "Roth conversions" (my favorite topic), I know I will enjoy comparing them when I can get to it. I think we should try harder to find the IRS's definition of "Marginal Tax Rate". I spent some time looking a...
by dodecahedron
Tue May 21, 2019 4:38 pm
Forum: Personal Consumer Issues
Topic: Renewing TSA Precheck
Replies: 18
Views: 2057

Re: Renewing TSA Precheck

Another nice thing about Global Entry is that is also a Nexus card for driving across the border (I only know about the Canadian border though). I really find TSA pre super useful, I walk to the airport usually and the security point that is TSA pre only is right by the southern pedestrian entrance...
by dodecahedron
Tue May 21, 2019 1:28 pm
Forum: Personal Consumer Issues
Topic: Renewing TSA Precheck
Replies: 18
Views: 2057

Re: Renewing TSA Precheck

My Precheck status expires in six months. Has anyone renewed it? Do they add five years to your expiration date when you renew (like a driver's license) or do they give you five years from the date you renew (like a passport)? Obviously, I want what I paid for, not 9/10 of what I paid for. I renewe...
by dodecahedron
Mon May 20, 2019 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: completely freaked out about withdrawing from retirement accounts....
Replies: 68
Views: 8426

Re: completely freaked out about withdrawing from retirement accounts....

Pu239 wrote:
Mon May 20, 2019 12:26 pm
Are you loathing the withdrawals because of taxes? If you don't need the cash but have RMDs, put all of the proceeds after tax into a taxable account. There's no requirement to spend it.
OP said she will not be 70 until 2023, so RMDs are well down the road.
by dodecahedron
Mon May 20, 2019 6:37 am
Forum: Personal Finance (Not Investing)
Topic: Social Security replacement annuity -- Is there such a product?
Replies: 43
Views: 2863

Re: Social Security replacement annuity -- Is there such a product?

Perhaps, at the death of the first spouse, purchase an annuity to provide the lifetime income needed or desired. This. With what money? I thought it was obvious, but I was looking for a solution that hedged or transferred risk (in exchange for an up-front premium). You know, like insurance. Unless ...
by dodecahedron
Mon May 20, 2019 5:56 am
Forum: Personal Finance (Not Investing)
Topic: completely freaked out about withdrawing from retirement accounts....
Replies: 68
Views: 8426

Re: completely freaked out about withdrawing from retirement accounts....

Fixed Return Fund - TRS TRS NYC › memberportal › Investments The Fixed Return Fund offers a guaranteed rate of return set by the New York State Legislature in accordance with applicable laws. The current annual rate is 7% for members who are serving in (or resigned/retired from) titles represented ...
by dodecahedron
Mon May 20, 2019 5:24 am
Forum: Investing - Theory, News & General
Topic: Constructing Tax Efficient Withdrawal Strategies for Retirees
Replies: 13
Views: 2088

Re: Constructing Tax Efficient Withdrawal Strategies for Retirees

A traditional IRA has an insurance aspect that a Roth IRA does not, because the tax rate you pay when making TIRA withdrawals depends on your income. If you are low income you will pay less tax on TIRA withdrawals. I wonder if this insurance feature affects the optimal withdrawal strategy. OTOH, in...
by dodecahedron
Mon May 20, 2019 5:20 am
Forum: Investing - Theory, News & General
Topic: Constructing Tax Efficient Withdrawal Strategies for Retirees
Replies: 13
Views: 2088

Re: Constructing Tax Efficient Withdrawal Strategies for Retirees

I feel that retiree tax efficiency is best done simply by managing your Adjusted Gross Income (AGI) from your sixties through your seventies so that it increases by just a few percent per year, the approximate inflation rate. Details on how to do this will depend on your mix of income sources and t...
by dodecahedron
Sat May 18, 2019 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking comment on proposed revisions to Marginal Tax Rate and Traditional v. Roth wiki articles
Replies: 180
Views: 6844

Re: Seeking comment on proposed revisions to Marginal Tax Rate and Traditional v. Roth wiki articles

How about this: A taxpayer's marginal tax rate is the amount by which tax liability increases due to a small increase in income, expressed as the percentage of the income increase by which the tax liability increases. For example, if earning an additional $20 per year would increase your tax liabil...
by dodecahedron
Sat May 18, 2019 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: A nudge: Shop your insurance around!
Replies: 10
Views: 1303

Re: A nudge: Shop your insurance around!

If your current insurance company does not appear “loyal”, it’s likely because something has changed about your profile or its pool of insured such that you are no longer a positive contributor to the equation above. Not necessarily. There is evidence that many major insurance companies systematica...
by dodecahedron
Fri May 17, 2019 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: My solar investment experience
Replies: 100
Views: 8412

Re: My solar investment experience

I looked at solar, not from a payback standpoint but as a portfolio decision. I had 14k cash. I didnt want more real estate, stocks or bonds. This 14k investment returns tax free savings every year; the savings increase with electricity price increases; and it is not tied to the markets. I feel mor...
by dodecahedron
Fri May 17, 2019 1:04 pm
Forum: Investing - Theory, News & General
Topic: Does stock allocation truly matter?
Replies: 61
Views: 5268

Re: Does stock allocation truly matter?

I think it does matter, because even if you saved a large percent of your salary you would have trouble saving enough for retirement if you had little in the stock market. But when you save a large portion of your salary, you are also moving your consumption goal posts. Since you have learned to ge...
by dodecahedron
Fri May 17, 2019 12:10 pm
Forum: Investing - Theory, News & General
Topic: how do Tariffs impact your portfolio?
Replies: 25
Views: 1284

Re: how do Tariffs impact your portfolio?

If tariffs increase prices on some goods, it could increase CPI, which would be reflected in returns of my TIPs.
by dodecahedron
Fri May 17, 2019 12:03 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Long Term Bond Index to charge 0.50% fee on purchases
Replies: 64
Views: 5655

Re: Vanguard Long Term Bond Index to charge 0.50% fee on purchases

Post by whodidntante » Thu May 16, 2019 6:24 pm The ETF shareholders should pay less because ETFs are structurally more efficient than mutual funds. Can you outline how ETFs are more efficient? I can think of one way in particular. If I purchase Vanguard ETFs and hold them at Schwab or Fidelity it ...
by dodecahedron
Fri May 17, 2019 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Property Tax vs. Income Tax vs. Sales Tax in Retirement
Replies: 27
Views: 2075

Re: Property Tax vs. Income Tax vs. Sales Tax in Retirement

Quality of public services is also a concern. For me, an excellent public library, great public parks, great free and low cost (grant-subsidized) cultural programs, great air/water quality, and excellent police/fire/rescue services are important quality of life features. School budget comes up for a...
by dodecahedron
Thu May 16, 2019 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Property Tax vs. Income Tax vs. Sales Tax in Retirement
Replies: 27
Views: 2075

Re: Property Tax vs. Income Tax vs. Sales Tax in Retirement

1) Some places with high overall property taxes (e.g., Arlington VA ) have very generous senior citizen property tax breaks for those with modest incomes and assets. 2) Some places with high overall state/local income taxes (e.g., New York) have very generous tax breaks for retirement income. (E.g.,...
by dodecahedron
Tue May 14, 2019 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Is my 2018 W2 wrong? Mismatch on last paystub
Replies: 4
Views: 215

Re: Is my 2018 W2 wrong? Mismatch on last paystub

Qualified benefits offered under a cafeteria or Section 125 plan are exempt from FICA. This includes contributions made toward a medical, dental, vision and accident insurance plan and toward a flexible spending account, such as dependent care assistance and medical care reimbursements. Payments to...
by dodecahedron
Mon May 13, 2019 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Do you know of anyone who has used this tax saving strategy?
Replies: 28
Views: 3489

Re: Do you know of anyone who has used this tax saving strategy?

I read this recently in a well respected business publication...don't remember which one but I could probably find it. Most likely your source was Barron´s ¨ Upstream Planning, An Old Tax Dodge for the Wealthy is Making a Comeback .¨ Extensive excerpt for non-Barron´s subscribers available in the T...
by dodecahedron
Mon May 13, 2019 2:55 pm
Forum: Personal Investments
Topic: Thoughts on Schwab
Replies: 37
Views: 3484

Re: Thoughts on Schwab

I have a Schwab brokerage account. I have my roth through Vanguard along with a brokerage account as well. I am not a big fan of Vanguard’s customer service and am considering transferring the Roth over to Schwab. What are y’all’s thoughts? Also, would I lose money doing that? I have transferred bo...
by dodecahedron
Mon May 13, 2019 12:44 pm
Forum: Investing - Theory, News & General
Topic: 100% stocks with 3% SWR with 60 years retirement period
Replies: 40
Views: 3665

Re: 100% stocks with 3% SWR with 60 years retirement period

The thing about blindly extending a simulation is that we have to remember 60 years is a REALLY long time. 60 years ago was 1959. The world was VERY different in 1959 (and not just because my parents were little kids). The global economy was still being rebuilt after World War II, computers were no...
by dodecahedron
Mon May 13, 2019 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Leaving My CPA
Replies: 22
Views: 2394

Re: Leaving My CPA

A quick Google search shows that you cannot import the data to TurboTax. Quicken would be a non-issue, you don't import tax return data into Quicken. You could easily acquire TT 2018 and put in all your info, seeking to match what he filed for you in 2018. If you get close or match it, , then you'v...
by dodecahedron
Mon May 13, 2019 6:54 am
Forum: Investing - Theory, News & General
Topic: Swedroe & Kitces recommend government bonds, Vanguard aggregated bonds. What's better?
Replies: 19
Views: 1716

Re: Swedroe & Kitces recommend government bonds, Vanguard aggregated bonds. What's better?

Vanguard is a $5Trillion company. Aggregate bonds gives it a much bigger pool of assets to pick from. Vanguard also uses international bonds in its target date funds - probably for the same reason. Folks who want to follow Swedroe and Kitces advice in their personal portfolios should be grateful th...
by dodecahedron
Sat May 11, 2019 10:38 am
Forum: Personal Finance (Not Investing)
Topic: NY State/City taxes on LTCG/QD's and Gov't pensions
Replies: 5
Views: 368

Re: NY State/City taxes on LTCG/QD's and Gov't pensions

New York State/City doesn't tax government pensions. So let's say hypothetically someone has $100k in pension income and lives in the city. The $100k will be taxed federally obviously, but will be completely exempt from State/City tax. So if you've got $50k in LTCG/QD's on top of the $100k pension ...
by dodecahedron
Sat May 11, 2019 10:31 am
Forum: Personal Finance (Not Investing)
Topic: NY State/City taxes on LTCG/QD's and Gov't pensions
Replies: 5
Views: 368

Re: NY State/City taxes on LTCG/QD's and Gov't pensions

Since I am not retired I will let others chime in, according to the pub36 only 20k pension income is excluded from NYC & NYS income. Read more carefully. NY/NYC have two types of pension exclusions: 1) Government pensions are totally excluded from NY AGI with no cap and no age limitations. 2) Other...
by dodecahedron
Thu May 09, 2019 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: TIAA misery
Replies: 7
Views: 1321

Re: TIAA misery

I set up an ongoing $1500 monthly Roth conversion from my GSRA to TREA in my Roth IRA. Plus I do an additional conversion each December once I have a good idea where my AGI for the year stands. My WMA's team helped me set this up. It works fine, no misery whatsoever... After the protracted misery o...
by dodecahedron
Thu May 09, 2019 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: TIAA misery
Replies: 7
Views: 1321

Re: TIAA misery

It could be worse. Some years ago I did a Roth conversion from a tax deferred TIAA account to my Roth IRA at TIAA. I asked my Wealth Management Advisor (WMA) to help and he indicated it would be no problem. This was in mid November and I was quite clear that I wanted it to execute ASAP and definitel...
by dodecahedron
Thu May 09, 2019 6:38 pm
Forum: Personal Investments
Topic: Vanguard takes away access to online statements within days of account transfer
Replies: 14
Views: 1582

Re: Vanguard takes away access to online statements within days of account transfer

I don´t know about vindictive, but I agree it is kind of annoying for something like this to happen without warning. I guess best practice is to download and save copies of all electronic statements before closing an account at any custodian. Belt and suspenders would be also to print out paper copi...