Bogleheads.org

supernova

You probably need to use Vanguard Brokerage Services. There's two different ones for Vanguard

supernova

EE Bonds might be worth it for you, too. In 20 years they double, thus yielding ~3.53%

supernova

Say "I will invest in it if, after each year, you give me the difference between that and the S&P 500 if it underperforms. If it overperforms, you can have half the difference. "

supernova

You have very low cost total international index, total bond index and an s&p 500 index (along with a small cap index). I'd go those three (or four if you want to add small cap).

supernova

Let me put it more clear. I feel uncomfortable at this market level and I want to take some money off the table. I have achieved my goal of financial Independence. I am more interested in preserving gains than making more gains (at this market level). So if the market does not crash, I'm fine. I ju...

supernova

The fixed rate portion may stay at .5% move up, or go back down (it's been to zero before) no one knows what the fixed rate will do. If you want to roll the dice, but $5K now, and $5K in November. If you think the .5% fixed rate looks attractive, buy $10K now. this link has the ibond fixed rate his...

supernova

Two words: Edward Jones

supernova

I like Marcus by Goldman Sachs. 2.25% right now.

supernova

If you're that worried about it, DCA it in over a few year period. Like $100k a quarter for 3 years (And put the rest in a mix of treasuries and FDIC insured high-yield savings).

Yeah, you'll potentially miss out on gains, but if it helps ease your anxiety, it's worth it.

supernova

Update: I went through foreign tax paid again, and selected none of the options. I went through it and selected it was all from a mutual fund. Then, I went back and selected what I was selecting originally. This time, it worked fine. I guess I had to outsmart Turbotax Had the same issue, thanks for...

supernova

Update:

I went through foreign tax paid again, and selected none of the options. I went through it and selected it was all from a mutual fund. Then, I went back and selected what I was selecting originally.

This time, it worked fine. I guess I had to outsmart Turbotax

supernova

The TurboTax interview allows you to pick whether you want to file the form or not. Once you pick it, it then prompts for the necessary information. If you didn't do the interview and simply filled in forms, then it's likely you missed something. This is for the download/CD version, I have no exper...

supernova

I elected to use Form 1116 for my foreign tax credit. When I go to file, it says there is an error: Foreign Tax Sch A box or Form 1116 copy should be entered. It is not letting me use Form 1116 and I have to select Sch A instead, which results in a $200 smaller refund. Anyone know how to resolve thi...

supernova

I had the same problem. When you import for a brokerage account, you need to type in "Vanguard" instead of using the Vanguard icon. There's two types of Vanguard imports, brokerage vs mutual fund account, and the default is mutual fund account. But most Vanguard mutual fund accounts were c...

supernova

Treasuries from Treasury Direct. You can build a 4-week T Bill ladder or just do a 13 week one. No state tax and yield is, right now, 2.4-2.45%

supernova

Well I'm debating whether to sell my $10k in 0% i-bonds and then buy new 0.5% i-bonds. My $10k just fell off the 5-year penalty period. I haven't decided. I'd take the earnings and transfer to my money market - obviously not a huge amount of earnings, but something. I sold my 0% real ones to buy th...

supernova

Does the 12/21/18 VTIAX dividend count as a replacement purchase within 30 days before and after a sale? It's not a "replacement" in whole, but might be in a tiny fractional part. I missed the boat selling before the dividend distribution but want to capture $10K in losses to offset non-r...

supernova

Why not just use Vanguard or Fidelity?

supernova

I Bonds (savings bonds) are another good option. You match inflation, plus right now you get a real rate of 0.5%. Plus it's tax-deferred interest

supernova

radiowave wrote: ↑Fri Aug 24, 2018 10:31 pm I'd probably also recommend Vanguard or Schwab. What specifically leads you to Fidelity?

Why not Fidelity? They're a solid choice. They also have a better web interface (in my opinion) and real good customer service

supernova

Total Stock Market/Total Intl is old news. Total World is where it's at, and for all my preference for MFs over ETFs, VT is hard to beat for maintenance-free stock holding (Admiral shares would be nice though). 0.1% is well within the range of tracking error and is not worth further attempts to opt...

supernova

My issue with the international version of it is that, according to the prospectus, it doesn't include small caps. I'd prefer to pay 0.06% more to include small-caps. As for the US stock market version, it's 0.015% versus 0%. Not a huge difference unless you have a lot in it. $1.50 per every $10k in...

supernova

I plan to keep doing what I do. Put money in when I have the money available and re-balance twice a year. If the market is low when I re-balance, then great, because I am buying cheap stocks. If not, then also great, because I am locking in some gains. Trying to time the market is a fool's errand. E...

supernova

NumeroUno wrote: Anyways, they have all of their money in low-interest guaranteed accounts, right now. My mom is pretty freaked out by the high valuations of the stock market. It sounds like your parents don't have any money in the stock market. Please confirm. If they don't, why are they worried a...

supernova

No problem. There might be a minimum amount of money, too. I think my 401k program has a $2500 minimum.

supernova

If you have your brokeragelink account set up, you treat it like a regular brokerage account. You can transfer money in from your 401k contributions by allocating a percentage.

Then, you can buy a stock like regular through that account

supernova

I bought Zander last year, and then realize that it's pretty much worthless if they won't cover my brokerage accounts

supernova

I am 34 and am also 70/30. It's easy to think you need more stocks when the market is high, but it won't always be high. No, I don't know when it'll go down, but nor does anyone else.

supernova

Yup, that is called tax gain harvesting. It's a good idea.

supernova

today (12-20-17) Dave had a big rant against index funds. He and his investor pros showed how 50% of the mutual fund beat the S&P 500. He forgot or ignored fees (1%-2.5%). After fees you will not beat the passive investing in the S&P or Total Stock market fund. read what Taylor has to say K...

supernova

While Dave Ramsey's budgeting advice and "get out of debt now" advice are amazing, his investment advice is not so amazing. He once mentioned the a mutual fund that he was in, and it happened to be an American Fund fund with a 5.75% load fee. Go with what people like Jack Bogle and Warren ...

supernova

Inflation is one risk. Another related risk is rising interest rates. The 3.5% rate seems attractive now. However, how would you feel if rates rise to 5% or 6% after 10 or 12 years? You would have the choice of cashing out at 0.1%, or staying another 8 to 10 years to get the 3.5% which would be way...

supernova

Thanks for the advice guys, as with all of my research on this it seems to be an overwhelming consensus to move to vanguard. Have any of you done this transfer to vanguard before? Is it difficult, any fees involved? I actually got in touch with that financial advisor with America Funds and he recom...

supernova

Bonds in taxable aren't the end of the world. Muni bonds aren't too bad

supernova

You can do better with a CD from an online bank. Synchrony has a 2 year CD at 1.65%, Barclay's at 1.6%.

There's even better rates in other banks at depositaccounts.com

supernova

Thank you, let me do a back-test on this 15:85 vs CD for last 2 yrs but I know backtesting means nothing what would happen in next 2 yrs but still a datapoint ? I don't think the advice was all that bad. Probably bit aggressive for your time frame, but 85% Cali muni bonds could be smart if you are ...

supernova

I don't think the advice was all that bad. Probably bit aggressive for your time frame, but 85% Cali muni bonds could be smart if you are in a high tax bracket (and live in Cali, of course). And 15% stocks isn't exactly a huge risk. I think a CD would probably be smartest, but taxes could eat away a...

supernova

I had the same situation. I realized something was amiss when my 401k (where I picked the funds) outperformed what my FA (Edward Jones, of course) picked over a long period. I realized that if I, who knew nothing about the market, could crush him in fund selection, why am I using him? And then I rea...

supernova

Seems silly to want to lose in an investment to just avoid taxes. You are getting the amount in cash, just set 45% of that aside to pay the tax and enjoy the other 55% of it.

supernova

If my calculations (and those of most every financial calculator I've visited) are correct, $3 million can sustain a $60K withdrawal rate for at least 50 years. $60K coming out of $2.56 million is a 2.34% withdrawal rate, which should, I think, work for 50 years. And 60K coming out of $1.8 million ...

supernova

am wrote:Does any other brokerage or bank offer free worldwide ATM use? Maybe fidelity?

I think that Fidelity cash management does, although I could be wrong about that

supernova

It's not. You sold the whole lot, and thus have no "equal" securities in your possession

supernova

I use VSCSX (Vanguard short term corporate bond index) for the third-tier of my EF.

http://www.morningstar.com/funds/xnas/vscsx/quote.html

It's 2.28% yield, 2.75 year duration, so probably a bit longer than you'd like, but I think it's a fair trade off

supernova

dickenjb wrote:
goose837 wrote:... my investment adviser recommended the actively managed funds from American Funds.

Of course he did. He gets paid to put you into those funds.

You read my mind

supernova

Just buy the Fidelity Freedom Index 2015 and save yourself the $75

supernova

Use the self-directed option and FSITX (Fidelity US Bond Index Premium). It's essentially the same thing as Vanguard Total Bond. Any difference will be negligible and way outweighed by the $75 fee

supernova

Before you try to time the market, check this link: http://qz.com/487013/this-game-will-sho ... right-now/

supernova

401ks frequently waive the load fees, so these two funds are not awful for a 401k. Without the load, they aren't terrible. A lower cost fund, like Vanguard's, is likely to beat it, but you could do worse. With the load fees not waived, I would pass on these 10 times out of 10. If you want these for ...

supernova

I use both. Fidelity and VG use different indexes for their Total Stock and Total International indexes, so I keep my IRAs at Fidelity and my taxable with Vanguard. This allows easier TLH without worrying about a wash sale. Fidelity has all the index funds you need for a three-fund portfolio with si...

supernova

It looks like it has a 0.12% ER. I am switching my Brokeragelink to use that instead of FSGDX (Global ex-US). Thank you, harikaried!

Search found 302 matches