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Invest4Life2882

UpperNwGuy wrote: ↑Sun Nov 01, 2020 7:17 pm
newyorker wrote: ↑Sun Nov 01, 2020 6:50 pm Future down again...
This should surprise nobody.

Kind of feels like a possible time where nothing happens this coming week. Regardless of news this week I can’t see the logic for a hard and fast drop. If people want out, there will be time.

Invest4Life2882

People are investing as of nothing has happened. S&P could be over 3,000 by middle of the week at this rate.

It doesn’t make sense. Doesn’t make any sense at all.

Invest4Life2882

Is it $49.99 every time you purchase VTSAX or just $49.99 one time fee?

Invest4Life2882

I can’t find a clear answer on this.

I was looking to purchase VTSAX mutual fund in TD Ameritrade as a mutual fund and it does show there is a fee. But it’s not clear what the fee is?

Does anyone purchase vanguard mutual funds through TD Ameritrade?

Invest4Life2882

401k was at fidelity and rolled it to vanguard. Was never out of market. Maybe because mine was 401k to 401k and didn’t involve Roth? Are you absolutely certain of that ? I had a 401k-to-401k plan rolled over from Fidelity to Vanguard in July 2018, and the use of checks for required. I certainly as...

Invest4Life2882

I just recently did a 401k rollover to Vanguard and it was all done behind the scenes. They simply moved my old funds to Vanguard brokerage. I was never out of the market at all. Why would yours be different? Where was your 401k held ? If both the 401k and the IRA were at Vanguard, they can do it b...

Invest4Life2882

With more normal volatility the risk is not as great. But lately we get 5-10% swings on the daily. Pretty ridiculous that in 2020 it takes 7-10 days to do that kind of transfer. It's worse than that. Phone call was made on 4/7 after hours. Funds sold 4/8. Check is being mailed by Vanguard today. Su...

Invest4Life2882

I encourage everyone to do some research on the S&P 500 over the last 50 years. Their have been only 5 times that this index has dropped 30%, and each time proved to be a huge buying oppurtunity. 1974, 1987, 2001, 2008, and now 2020. A couple of these declines were close to market bottoms, and ...

Invest4Life2882

I like to invest and track and even I love the simplistic approach. I use VFFVX in my 401K and would use it in every account but I don’t want that much exposure to foreign equities. So I use VTSAX in my taxable, Roth, and HSA to tilt heavier to US markets. Also use VBTLX for my bonds in Roth. So all...

Invest4Life2882

Why all the negative feelings toward VBTLX (Total Bond)? It is up over 3% YTD. :thumbsup Agreed. I do understand what people are saying in terms of taking on some corporate bond risk when using the Total Bond fund, but I don’t think anything has significantly changed in regards to this fund?

Invest4Life2882

Why all the negative feelings toward VBTLX (Total Bond)?

It is up over 3% YTD.

Invest4Life2882

Got it. Got it. Makes sense now. Thanks!

Invest4Life2882

Wouldn’t I pay being tax on the dividends the year I receive them, even if I am not reinvesting them?

Invest4Life2882

Maybe I am not searching the right way, but amazingly I cannot find a good answer to this on the Internet. In a taxable account, if you are not reinvesting dividends, do you still add that to your overall cost basis? I know the dividends will be taxed, so even if not reinvesting them, would you add ...

Invest4Life2882

How much confidence can really be put into the fact that the market has everything already priced in? I don’t know how anyone could assume that. If that were true then the assumption would be that with any news the market already knows and the market then only goes up?? Plus there are billions of do...

Invest4Life2882

I had the same concerns about this and took advice very similar to the poster above me. Just simply exchange into a later target fund if you do not want the glide path to change automatically. I currently use the Target 2055 fund and own VTSAX in my Roth. If I want to keep my asset allocations the s...

Invest4Life2882

Pretty close to 100% here. Using Target 2055 in 401k so do have a portion of bonds for rebalancing in the Target. By, overall currently at 93% stocks and plan to stay there.

Invest4Life2882

I don’t think anyone knows the bottom? Even you seem unsure in your own post?

I think people want good news and when that comes, the market will speed off to the good.

Invest4Life2882

I apologize for not having the link handy but there are numerous posts and articles about AA vs. Risk AND Return. If I remember correctly the high % Equity models (90/10, 85/15, 80/20) don't offer substantial upside but inject a lot more risk. What surprised me is how little upside you give up by l...

Invest4Life2882

Four total for me currently: Target 2055 - VFFVX Total US - VTSAX Healthcare - VGHCX Total Bond - VBTLX Try to stay right at 90-92% stock with rest in bonds. Mr. Bogle has said most folks could go their investing lifetime without the need for a sector fund. I would agree with this. I am planning to...

Invest4Life2882

Four total for me currently:

Target 2055 - VFFVX
Total US - VTSAX
Healthcare - VGHCX
Total Bond - VBTLX

Try to stay right at 90-92% stock with rest in bonds.

Invest4Life2882

Very true. I did find it interesting that it is currently down less YTD than the total market.

VGHCX is down 20% while VTSAX is down 27%.

Invest4Life2882

Is anyone investing in VGHCX? I have a small portion (10k) invested in this fund in my Roth IRA. I am planning to move this to VTSAX.

VGHCX is currently down big YTD but not as much as VTSAX.

Seems reasonable that VGHCX could beat VTSAX going forward with what is currently going on.

Invest4Life2882

Ok thanks. I actually use Target 2055 (VFFVX) in my 401k and VTSAX in my Roth.

I was wondering about the TLH aspect.

Invest4Life2882

I currently have VTSAX in both my 401k and Roth IRA.

I am about to invest my HSA funds as well as open a small taxable account. Should I use SP500 in one of the HSA or taxable accounts or keep all VTSAX?

As always, thank you!

Invest4Life2882

I believe common wisdom is still to not use any funds from the HSA? I don’t see any reason I would need to use any of my HSA funds so my plan would be to invest all I can of my current balance (I have to keep $2,000 in the HSA itself) and let it grow.

Invest4Life2882

I have my HSA at Fidelity. It looks like a normal brokerage account. My cash/sweep account is FDRXX, Fidelity Government Cash Reserves. I have almost everything in the HSA in vested in FZROX (US Stock index fund). They appear as two funds in the same account. The only catch that I'm aware of is tha...

Invest4Life2882

Appreciate the help! Thanks.

I will get to work on investing my funds.

Invest4Life2882

Thanks Michael that helps a bit. So you see both balances as separate and they are clearly defined that is good. I would assume you could use your invested monies via the card, but I would hope it would use the bank money first. I don’t plan to use any of my HSA money either and now that I have 15k ...

Invest4Life2882

My HSA is with OptumBank. I guess what I am trying to understand before I do it is how it works? I mean I assume it is a separate brokerage account but the funds are still active to my HSA. I have questions in terms if I use my HSA card does it come out of my non-invested money first? What about div...

Invest4Life2882

I am at the point where I would like to start investing my HSA monies. I currently have $15,000 in my HSA that is just in cash. The reason I have waited is I am unfamiliar with how the investing part of HSA works. Does my balance just transfer to a brokerage account within the HSA? By that I mean if...

Invest4Life2882

That’s a good point and another question I had. Do you have the option to have dividends sent to a separate account or settlement account? I would think you would want to do this to avoid having multiple cost basis. For example if I got $200 in dividends. I would prefer to just have that sent to my ...

Invest4Life2882

TropikThunder wrote: ↑Sat Mar 14, 2020 9:01 pm
Invest4Life2882 wrote: ↑Sat Mar 14, 2020 8:53 pm I am using the instant X-ray and only see an option to enter my ticker symbols? I may be missing something.
Use CASH$ as the ticker for cash.

This worked! Thank you!

Invest4Life2882

Thank you. Yes, mainly would be just using Vanguard ETFs and the occasional individual stock. I will most likely use TD Ameritrade just to keep separate from my Vanguard holdings.

Invest4Life2882

I am using the instant X-ray and only see an option to enter my ticker symbols? I may be missing something.

Invest4Life2882

Finally in a position to open a taxable account. What is the preferred brokerage? I currently use Vanguard for my Roth IRA.

I am somewhat familiar with TD Ameritrade but is there a preferred?

Invest4Life2882

I can’t seem to find the answer to this question anywhere. For those that use the Morningstar X-ray tool, what find do you enter to show your cash holdings as part of your overall portfolio. I have most of my money in Target 2055 and some cash. But I don’t know how to put the cash into the X-ray too...

Invest4Life2882

Thank you. I was struggling with the logic of selling asset in the same class. I was pretty sure selling Target 2055 (which tracks closely to VINIX) wouldn’t be a problem. I think now that I understand that logic, I will leave my 401k in the Target 2055. As you mention, I could always switch it to a...

Invest4Life2882

I am looking to go 100% equities at some point. I thought about doing this when the market reached an all time high. My main question was there is no harm in selling when the market is down if the new fund you’re buying is also equities. I guess what I could do is change my new 401k investments into...

Invest4Life2882

Hi All - I can’t seem to find much discussion about this, but I have a question regarding exchanging similar type funds when the market has decreased. What I mean is exchanging from one equity fund to another. I am not talking about exchanging Total Stock Market Fund for Total Bond Market. My questi...

Invest4Life2882

Kind of an odd question, but maybe someone else has also considered. I know in a Roth IRA one does not have to worry about basis when buying/selling/transferring funds, but how would one track their basis in funds if they transfer to another fund? What I mean by this is say I am active in transferri...

Invest4Life2882

Why couldn't VWINX be used to compliment and tilt (if one wanted to) their three fund portfolio. Wellesley with it being so heavy in bonds and large cap stocks has reduced volatility. If an investor wanted to tilt to corporate bonds and dividend paying stocks I think it could make an excellent compl...

Invest4Life2882

Just my two cents from a new investor who has done a lot of reading and has only a moderate amount of money so far. I currently use Wellesley and a target fund to reach my desired allocation. My main reason is I like the income and value of Wellesley, but seek the diversification of owning the marke...

Invest4Life2882

I have thought about (and I guess currently am) doing exactly what the original poster is asking. I am both in the process of saving for a house and also attempting to max out my Roth IRA contributions each year. I have invested my Roth IRA contributions into Wellesley (this fund is fairly risk aver...

Invest4Life2882

My thinking was along the lines of what everyone is saying. Under this scenario a person could be majority stocks (with slight tilt to large cap dividend paying stocks) that are highly diversified as well as invested in intermediate bonds that are producing nice current yields. You could even tilt m...

Invest4Life2882

The reason I like Wellesley is because of the consistent income with its investments in high dividend paying companies and intermediate bonds. I like the idea of consistent dividend and interest generation to help mitigate fluctuations in the market. I also really like the Target 2055 (which is tota...

Invest4Life2882

Love reading the site. One thought I am considering is using Wellesley (VWINX) and something like Target Retirement 2055 (VFFVX). Here are my thoughts, and please correct me if I am way off base. I am considering a 55% stock 45% bond portfolio and I like that Wellesley offers a nice yield and consis...

Invest4Life2882

What are some of the better options for shorter term investments? I currently have $5500 invested in my Roth IRA and would like to invest $5500 each year for the next few years. The intent is to leave this money in for the long haul, but I would like the option to have this money available in 3-5 ye...

Invest4Life2882

I have also considered doing this but with a smaller amount. For example, I have around 10k invested in a Roth IRA and would like to contribute up to 22k over the next two years and use this 22k as house money in a few years. If a person was to have $25k or so in a Roth IRA with the intent to have t...

Invest4Life2882

I would still like to be able to track my cost basis in the funds I purchase though. Aside from keeping track myself, how would a person know what they have contributed (especially if not buying in lump sums)? I would think on a lump sum purchase and then subsequent exchange to another fund that it ...

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