Search found 22 matches

by DriftWood
Wed Feb 28, 2018 10:39 am
Forum: Personal Finance (Not Investing)
Topic: How much cash do you keep at any time on checking?
Replies: 183
Views: 14615

Re: How much cash do you keep at any time on checking?

Most of the time, I have around $60k cash sitting across money market and checking accounts.
by DriftWood
Wed Feb 07, 2018 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 257
Views: 34414

Re: New HSA provider Lively offers investments for $30/yr fee

I planed to switch my HSA from SelectAccount to Lively. But those SPDR core ETFs on TDA commission free list had me worried. They have smaller market cap, wider bid/ask spread and lower trading volume, compared with Vanguard counterparts (VTI, VXUS and BND). Another unknown for me is how good could ...
by DriftWood
Tue Feb 06, 2018 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: Why different return of VTIAX and VXUS today (2/6/2018)?
Replies: 12
Views: 1208

Why different return of VTIAX and VXUS today (2/6/2018)?

Difference of today's (2/6/2018) return between VTIAX (1.02%) and VXUS (2.41%) is so large. I don't think bid/ask spread of VXUS can explain it. There is no dividend expected at this time of the year. Then what causes the big difference?
by DriftWood
Mon Feb 05, 2018 3:51 pm
Forum: Investing - Theory, News & General
Topic: Vanguard site is crashed now?
Replies: 188
Views: 15654

Vanguard site is crashed now?

I can't log in. Anyone else has the same issue?
by DriftWood
Fri Jan 26, 2018 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: Help with AA on a 529 (kiddo 2.2 Yr old)
Replies: 3
Views: 386

Re: Help with AA on a 529 (kiddo 2.2 Yr old)

I have been contributing $20k per year to IL 529 plan (Brightstart) since my daughter was born 4 years ago. I was 100% in equity (a predefined mixture of Vanguard funds) since the start until Brightstart switched management from Oppenheimer to Union Trust in the summer of 2017. Since then my portfol...
by DriftWood
Wed Dec 20, 2017 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: How to hit full 401k contribution limit of $55,000?
Replies: 20
Views: 4418

Re: How to hit full 401k contribution limit of $55,000?

My employer provides SEP-IRA in lieu of 401k. At the end of year, HR writes a check 25% my income and contributes to my Vanguard SEP-IRA account. For the last few years my income is slightly over 200k, and that makes my SEP-IRA contribution pretty close to the 55k limit.
by DriftWood
Wed Nov 22, 2017 11:41 pm
Forum: Investing - Help with Personal Investments
Topic: Request of Vanguard bond fund in SelectAccount HSA
Replies: 7
Views: 675

Re: Request of Vanguard bond fund in SelectAccount HSA

Today, I got a reply email from a SelectAccount specialist regarding add Vanguard Total Bond Market fund in their HSA offerings. There is a hope at least. Thank you for your inquiry. SelectAccount's investment partner, Devenir, chooses our mutual fund offerings. They are reviewed periodically and I ...
by DriftWood
Tue Nov 21, 2017 10:30 am
Forum: Investing - Help with Personal Investments
Topic: Request of Vanguard bond fund in SelectAccount HSA
Replies: 7
Views: 675

Re: Request of Vanguard bond fund in SelectAccount HSA

Why not just use Vanguard Target Retirement Income? That effectively puts 70% of your HSA in bonds. That seems to be the best choice if you are unwilling to go with Schwab. Yeah, a Vanguard Target Retirement fund could also work. I do prefer stand alone bond fund in that when market plummet, I can ...
by DriftWood
Mon Nov 20, 2017 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: Request of Vanguard bond fund in SelectAccount HSA
Replies: 7
Views: 675

Re: Request of Vanguard bond fund in SelectAccount HSA

When your balance hits $10k, you can take the Schwab brokerage option and find any number of good bond funds. Until then, I would use Vanguard Target Retirement Income, which is 30/70, and just hold a little bit more than you would if you had access to Total Bond Market Index. My HSA balance is ove...
by DriftWood
Mon Nov 20, 2017 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: Request of Vanguard bond fund in SelectAccount HSA
Replies: 7
Views: 675

Request of Vanguard bond fund in SelectAccount HSA

I have my HSA in SelectAccount for two years now. My main goal of HSA is to use it as IRA, that is put as much as possible of the HSA balance into mutual fund investment and don't use it to pay medical bills. SelectAccount suits my need pretty well in that they charge a total $36 ($18 management fee...
by DriftWood
Wed Oct 11, 2017 9:39 am
Forum: Investing - Theory, News & General
Topic: WSJ- ‘Passive’ Investing Frenzy Pushes Vanguard to $4.7 Trillion in Assets Assets topped $4 trillion for the first time
Replies: 3
Views: 1102

Re: WSJ- ‘Passive’ Investing Frenzy Pushes Vanguard to $4.7 Trillion in Assets Assets topped $4 trillion for the first

Assuming there are 10 million individual investors that have investment in Vanguard. The average portfolio size per investor is $470k, that's a quite impressive number, I have to say.
by DriftWood
Fri Sep 29, 2017 10:22 am
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 257
Views: 34414

Re: New HSA provider Lively offers investments for $30/yr fee

SelectAccount charges $36 per year in fees, that's about $6 more than Lively. The available fund choices are quite limited for basic investment in SelectAccount. Most relevant ones are Vanguard large/mid/small cap index funds, while no Vanguard bond fund is available. Also you have to put $1000 mini...
by DriftWood
Wed Sep 20, 2017 9:10 am
Forum: Personal Finance (Not Investing)
Topic: 30yr Mortgage Refi Rates
Replies: 16
Views: 2839

Re: 30yr Mortgage Refi Rates

We bought our house in 2012 with 15 yr mortgage at 3.125% from BoA. Last September, we did a refinance to 10 yr mortgage with 2.5% rate (zero closing cost) which is from PHH. Monthly payment is slightly up around $100. That was right before the rate hike after presidential election.
by DriftWood
Fri Aug 18, 2017 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Capital One $400 bonus for new checking account
Replies: 108
Views: 18517

Re: Capital One $400 bonus for new checking account

Thanks for the info. It looks like ACH deposit from Chase checking account is not considered Direct Deposit by Captial One 360. I did two $260 transfers from my Vanguard brokerage account on 8/15. Then the next day Cha-Ching! New Account Bonus of $400 is posted! Can you tell me how you do ACH trans...
by DriftWood
Fri Aug 18, 2017 9:43 am
Forum: Investing - Theory, News & General
Topic: "Vanguard fund shareholders encouraged to vote as proxy campaign gets under way."
Replies: 89
Views: 26363

Re: "Vanguard fund shareholders encouraged to vote as proxy campaign gets under way."

In the introduction message of proxy vote from Vanguard, it says Shareholders are also being asked to vote on several fund proposals that will harmonize policies across Vanguard's U.S.-based funds. If the proposals are approved, the funds will have more operational flexibility, helping them run more...
by DriftWood
Thu Aug 17, 2017 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Capital One $400 bonus for new checking account
Replies: 108
Views: 18517

Re: Capital One $400 bonus for new checking account

I did two ACH transfers of amount $255 and $265 from my Chase checking account on July 10. Still no bonus posted on Captial One 360 account yet. Under Captial One 360 checking accounts, both ACH transfers are marked as "Transaction Type: Deposit" and "Info: Ext Trnsfr". Are these eligible as Direct...
by DriftWood
Thu Aug 03, 2017 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One $400 bonus for new checking account
Replies: 108
Views: 18517

Re: Capital One $400 bonus for new checking account

I did two ACH transfers of amount $255 and $265 from my Chase checking account on July 10. Still no bonus posted on Captial One 360 account yet. Under Captial One 360 checking accounts, both ACH transfers are marked as "Transaction Type: Deposit" and "Info: Ext Trnsfr". Are these eligible as Direct ...
by DriftWood
Thu Jun 08, 2017 9:15 am
Forum: Investing - Theory, News & General
Topic: [News about changes to the Illinois 529 plan]
Replies: 10
Views: 2918

Re: [News about changes to the Illinois 529 plan]

Among the individual fund choices, there are Vanguard 500 Index, Vanguard Total International Index and Vanguard Total Bond Market. It would be nice to have Vanguard Total Stock Market and Vanguard Mid Cap Market there as well. That would make a customized portfolio more appealing than the preselect...
by DriftWood
Fri Jun 06, 2014 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: Which bond funds for long-term balanced growth in 75/25 AA?
Replies: 8
Views: 997

Re: Which bond funds for long-term balanced growth in 75/25

OP, I sort of understand your point, as I am in the similar situation as you: 30 years away from retirement, reasonably high income and high saving rate. The common goal for us is to tilt more to the growth side of investment during the accumulation stage, given moderate (or slightly more) tolerance...
by DriftWood
Mon May 19, 2014 1:28 pm
Forum: Personal Consumer Issues
Topic: What is the best brand of 3 ton air conditioner & furnace?
Replies: 46
Views: 47613

Re: What is the best brand of 3 ton air conditioner & furnac

2. If possible choose the high efficiency furnace with variable speed fan motor. This will make inside temperature more stable, resulting in a noticeable improvement on comfortability. Another benefit is that a mid/lower end AC working with variable speed blower could increase its efficiency. For e...
by DriftWood
Mon May 19, 2014 12:12 pm
Forum: Personal Consumer Issues
Topic: What is the best brand of 3 ton air conditioner & furnace?
Replies: 46
Views: 47613

Re: What is the best brand of 3 ton air conditioner & furnac

I just had a contractor install two ACs and two furnaces for our house in March this year. Those replaced 14 years old goodman units that are builder's model when the house was built in 2000. I did quite a bit of research/reading on line and here is my observation: 1. Trane/American Standard(same ma...
by DriftWood
Wed Apr 09, 2014 11:57 am
Forum: Investing - Help with Personal Investments
Topic: Back door Roth IRA for stay at home wife?
Replies: 7
Views: 1057

Re: Back door Roth IRA for stay at home wife?

I am in a similar situation. Wife is a stay-home mom with no income. Our income tax is in 28% bracket (married filed jointly), over the limit of Roth IRA contribution. My understanding is that she's not eligible to make contribution to traditional IRA, because of no earned income. Therefore there is...