Search found 32 matches

by osageryder
Tue Oct 29, 2019 11:34 am
Forum: Personal Investments
Topic: simple VS complex portfolio
Replies: 20
Views: 1716

Re: simple VS complex portfolio

...thanks to everyone, for helping bring me back to logic and simplicity. Especially Taylor, whose work in this forum got me started on the right track and has been especially helpful over the last few years--I just got a little sidetracked overthinking some issues. I also manage portfolios for the ...
by osageryder
Sun Oct 27, 2019 12:34 pm
Forum: Personal Investments
Topic: simple VS complex portfolio
Replies: 20
Views: 1716

simple VS complex portfolio

A few years back I started out with the classic 3 fund portfolio dialed in to my desired asset allocation, at that particular time. As I learned more and have gotten older my asset allocation has changed somewhat as expected but my portfolio has also accumulated over a dozen additional different fun...
by osageryder
Sun Jul 21, 2019 12:01 pm
Forum: Personal Investments
Topic: simple 4 fund portfolio VS multiple funds?
Replies: 5
Views: 509

Re: simple 4 fund portfolio VS multiple funds?

.....shouldn't the portfolio watch catch overlap in similar funds? Using the portfolio watch is primarily how I gradually change AA and rebalance to suit our situation. Is there a better method?
by osageryder
Sun Jul 21, 2019 11:04 am
Forum: Personal Investments
Topic: simple 4 fund portfolio VS multiple funds?
Replies: 5
Views: 509

simple 4 fund portfolio VS multiple funds?

A few years back I began my Vanguard portfolio with the classic 3 fund and then the 4 fund portfolio. I was not unhappy with results but as I researched and learned more I began to add additional funds until I currently have a total of 14 VG index funds in my primary taxable brokerage portfolio. I r...
by osageryder
Fri Jul 21, 2017 10:26 am
Forum: Personal Investments
Topic: Total Market mutual fund or ETF?
Replies: 3
Views: 548

Total Market mutual fund or ETF?

my wife has a small Scottrade portfolio which she keeps for personal reasons, and Scottrade will not allow her to purchase the VG Total Stock Market mutual fund without signing up for some type of active management, which she doesn't want. However, they will allow her to purchase VTI, the VG Total S...
by osageryder
Fri Feb 03, 2017 1:41 pm
Forum: Personal Investments
Topic: investing a windfall
Replies: 3
Views: 710

investing a windfall

I just received a little over $100K in a somewhat unexpected windfall, a repayment of funds I had loaned to my kids over the years. I'm 70 years old, still working at my own business and don't really need the money at this point, and for lack of better alternative ideas, am preparing to put it in my...
by osageryder
Thu Oct 27, 2016 12:40 pm
Forum: Personal Investments
Topic: Vanguard trust management?
Replies: 10
Views: 1451

Re: Vanguard trust management?

....which raises a follow-up question I have as well. Are they taking their fees from income or principal? I have to pull out the files and look for that--at this point I am not sure. thank you
by osageryder
Thu Oct 27, 2016 12:08 pm
Forum: Personal Investments
Topic: Vanguard trust management?
Replies: 10
Views: 1451

Re: Vanguard trust management?

Gil...the fees they charge are very close to income produced by the trust--on a down year in the market the fee could be more than the income he receives. Its getting harder to consider this a true "fiduciary" relationship, which is supposedly the primary responsibility of the trustee. Is this a nor...
by osageryder
Wed Oct 26, 2016 4:54 pm
Forum: Personal Investments
Topic: Vanguard trust management?
Replies: 10
Views: 1451

Re: Vanguard trust management?

Gill....your memory is impressive, and thanks for the follow-up! This is the same kid--currently at the Univ. working on a Masters--and he's trying to simplify and at least realize more income from his trust. He is entitled to income only from a trust of a little over 3 mil, and he does have the opt...
by osageryder
Wed Oct 26, 2016 11:09 am
Forum: Personal Investments
Topic: Vanguard trust management?
Replies: 10
Views: 1451

Re: Vanguard trust management?

....the kid is entitled to all proceeds from the trust. We do have the ability to eventually move to a different trustee situation which is why I am researching VG.
by osageryder
Wed Oct 26, 2016 10:58 am
Forum: Personal Investments
Topic: Vanguard trust management?
Replies: 10
Views: 1451

Vanguard trust management?

my son has a trust from his grandmother which is currently with Wells Fargo. Wells is charging approximately 1.4% to administer the trust. The trust is producing less than 3% on the average and with a slight downturn in the market their annual fee may exceed the amount he will receive from the trust...
by osageryder
Fri Apr 08, 2016 11:02 am
Forum: Personal Investments
Topic: Choosing a Trustee/Vanguard trust services?
Replies: 19
Views: 14549

Re: Choosing a Trustee/Vanguard trust services?

I was not aware that Vanguard had a trust service. I just looked and their fees are less than half what my son is paying Wells Fargo to manage a trust left to him by his grandmother. Their fees are almost as much as his portfolio produces annually. Not to mention I would feel so much more comfortabl...
by osageryder
Fri Feb 19, 2016 12:44 pm
Forum: Personal Investments
Topic: Roth withdrawals for my med school daughter?
Replies: 2
Views: 419

Roth withdrawals for my med school daughter?

Sometime in the next 2 or 3 years I am contemplating making my 35 year old daughter the agent for my Roth IRA. I am well over 60 years of age and I don't really need the funds and she will be going back to school to work on a med degree. I've had this in mind for years but I just wanted to make sure...
by osageryder
Sun Jan 31, 2016 12:12 pm
Forum: Personal Investments
Topic: keep VINIX Institutional Index in 401K?
Replies: 1
Views: 772

keep VINIX Institutional Index in 401K?

my daughter has a considerable amount of VINIX Large Cap Institutional Index in her 401K. It has an expense ratio of .04 and she will not be allowed to purchase more after she quits her job. She also has a separate Roth and we try to combine the 2 accounts to maintain diversification overall. Should...
by osageryder
Sun Jan 31, 2016 11:41 am
Forum: Personal Investments
Topic: Berkshire B or VDIGX dividend fund for IRA?
Replies: 3
Views: 732

Berkshire B or VDIGX dividend fund for IRA?

Thinking of selling some of the Berkshire in my IRA and putting it into VDIGX dividend fund. The chart looks better suited to my needs. Comments, advice?
by osageryder
Tue Jan 12, 2016 12:31 pm
Forum: Personal Investments
Topic: VDIGX for my sons Roth?
Replies: 5
Views: 739

Re: VDIGX for my sons Roth?

...to me it means how I perceive the current state of the economy, and my best guess for 2016. And the kid is about 40 years old.
by osageryder
Tue Jan 12, 2016 12:22 pm
Forum: Personal Investments
Topic: VDIGX for my sons Roth?
Replies: 5
Views: 739

VDIGX for my sons Roth?

My son is about 20 years from having access to his Roth account which I have managed for years. I have the usual Target Date funds and some Balanced Index funds plus about 10% cash in the account at this time. Recently I have been looking at a dividend fund and VDIGX in particular, and in this marke...
by osageryder
Thu Aug 13, 2015 11:05 pm
Forum: Personal Investments
Topic: Accessorizing VBIAX for core portfolio holding?
Replies: 5
Views: 1274

Accessorizing VBIAX for core portfolio holding?

I'm using VBIAX Balanced Index as the core holding in a $500K total taxable portfolio. I've just added 20% VFINX 500 Index to make it a little more edgy, and wondering what else might work well in the portfolio. I'm 70 years old, self-employed and still working, mortgages are paid off and we have co...
by osageryder
Sat Jul 18, 2015 6:57 pm
Forum: Personal Investments
Topic: VBIAX Index Admiral Fund for retirement portfolio?
Replies: 6
Views: 4590

VBIAX Index Admiral Fund for retirement portfolio?

This VBIAX looks almost ideal for a part of our income retirement fund. I just stumbled across it on the Vanguard website. Anyone had personal experience with this particular fund? Almost a 60/40 ratio stock to bonds which is about what I'm looking for. Thoughts and ideas appreciated!
by osageryder
Mon Jul 13, 2015 5:30 pm
Forum: Personal Investments
Topic: secure Vanguard fund for $150K cash?
Replies: 4
Views: 1078

secure Vanguard fund for $150K cash?

I have about $150K in cash sitting in a small local bank which I might use for a real estate purchase, but only if the right property becomes available. Its been sitting there earning nothing for the last two years and at this point I am considering purchasing a conservative Vanguard fund of some ty...
by osageryder
Fri May 29, 2015 11:45 am
Forum: Personal Investments
Topic: coffeehouse portfolio versus target date fund?
Replies: 4
Views: 922

coffeehouse portfolio versus target date fund?

Looking again at my 31 year old daughters Roth account I continue to debate myself whether to leave the Roth in what is basically a Coffeehouse portfolio of 7 Vanguard funds, versus putting it all in a 2050 Target date fund. Looking at the numbers neither option jumps out as a notably better choice,...
by osageryder
Mon May 04, 2015 11:30 am
Forum: Personal Finance (Not Investing)
Topic: POA or last will?
Replies: 12
Views: 1473

POA or last will?

We want to leave specific real estate and a portfolio of stocks to one of our sons. Wouldn't a Power of Attorney be enough for him to claim and manage the assets when we're gone, rather than writing up a will? There is a possibility his brother and the brothers wife might try to grab assets and just...
by osageryder
Thu Apr 23, 2015 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: hire a trust advocate to deal with a trustee bank?
Replies: 5
Views: 724

Re: hire a trust advocate to deal with a trustee bank?

we really appreciate these responses. good information and will be a great help in dealing with this trust in the future. the ideas and experiences are very helpful. sincerely....
by osageryder
Thu Apr 23, 2015 10:46 am
Forum: Personal Finance (Not Investing)
Topic: hire a trust advocate to deal with a trustee bank?
Replies: 5
Views: 724

hire a trust advocate to deal with a trustee bank?

My son has an irrevocable trust from his grandmother and a large bank is trustee. The trust language is vague on some details and we are constantly debating with the bank on items for which he can use money from the trust. The bank has built a portfolio of stocks which makes less than 3% annually, a...
by osageryder
Wed Apr 22, 2015 10:37 pm
Forum: Personal Investments
Topic: 72 year old converting traditional IRA to a roth?>
Replies: 3
Views: 605

72 year old converting traditional IRA to a roth?>

my friend is 72 and has a small traditional IRA, and he is still generating earned income. We were discussing the possibility of converting an old leftover IRA, that he doesn't need, into a Roth so he could add to it and leave it tax free for his family. Assume it would also halt the necessity of an...
by osageryder
Mon Mar 30, 2015 10:39 am
Forum: Personal Investments
Topic: Target Date or Life Strategy fund?
Replies: 5
Views: 1376

Target Date or Life Strategy fund?

I don't see much difference in these two Vanguard Funds? Curious what might make one more appropriate than the other. We're investing in a Roth for a 31 year old daughter.
by osageryder
Mon Mar 30, 2015 10:27 am
Forum: Personal Investments
Topic: buffets portfolio advice
Replies: 11
Views: 2094

Re: buffets portfolio advice

good info. I appreciate all the ideas and points of view! Very helpful.
by osageryder
Fri Mar 13, 2015 10:31 am
Forum: Personal Investments
Topic: buffets portfolio advice
Replies: 11
Views: 2094

buffets portfolio advice

we're taking warren buffets advice and leaving the kids a portfolio of an Vanguard S & P 500 fund with a 10% short term bond fund. Trouble is, we're having a hard time choosing an appropriate Vanguard bond fund. Something like the VFSTX? Would appreciate any advice, words of wisdom, etc.
by osageryder
Sat Feb 21, 2015 11:58 am
Forum: Personal Investments
Topic: target date fund or coffeehouse portfolio?
Replies: 7
Views: 1246

Adding Vanguard Wellesley funds to wifes portfolio?

My 70 year old wife has a lot of Exxon Mobil, Royal Dutch and other oil stocks plus a somewhat eclectic collection of other individual stocks in a $300K portfolio. In years past the dividends plus appreciation seemed to work reasonably well, but its just become too much for her to handle. I've been ...
by osageryder
Wed Feb 18, 2015 1:59 pm
Forum: Personal Investments
Topic: target date fund or coffeehouse portfolio?
Replies: 7
Views: 1246

target date fund or coffeehouse portfolio?

I'm building a portfolio for my 30 year old daughter, and her Vanguard Roth is in a 2045 Target Date Fund and a 7 fund "coffeehouse" lazy portfolio--about half and half. Does this make sense? I am tempted to put it all in the target date fund and let it ride. Maybe add some Berkshire Hathaway on a d...
by osageryder
Tue Feb 17, 2015 7:08 pm
Forum: Personal Investments
Topic: all ETF coffeehouse portfolio?
Replies: 2
Views: 512

all ETF coffeehouse portfolio?

I am building a 7 fund "coffeehouse" portfolio. It is currently a mix of mutual funds and ETF's. Anything wrong with switching to all ETF's, for the convenience they offer?
by osageryder
Tue Feb 17, 2015 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Roth wrangling
Replies: 2
Views: 417

Roth wrangling

My 46 year old son wants to make his 31 year old sister the beneficiary of his Roth IRA, which he started 20 some years back. The idea is to withdraw $5500. from his Roth every year, and deposit it in her own Roth account, and eventually turn it all over to her. Anyone see anything wrong with this?