Search found 1290 matches

by indexonlyplease
Fri Dec 14, 2018 8:35 am
Forum: Investing - Theory, News & General
Topic: Recession Coming
Replies: 49
Views: 5872

Re: Recession Coming

Question: I have been pondering this idea above. I just keep wondering why I should reballance. I have my AA set and I think the only concern for me is the fixed income stays at 50%. What happens to my stock funds I believe maybe I should just let the market decide. If one grows larger than the oth...
by indexonlyplease
Fri Dec 14, 2018 6:25 am
Forum: Investing - Theory, News & General
Topic: Recession Coming
Replies: 49
Views: 5872

Re: Recession Coming

"Dry powder" can mean investments in fixed income like Treasuries, CD's, short-term bond funds, etc., which can be liquidated to buy equities when they drop. In other words, rebalancing. It is an argument used to explain why not to be 100% stocks. It doesn't automatically mean money out of the mark...
by indexonlyplease
Fri Dec 14, 2018 6:15 am
Forum: Investing - Theory, News & General
Topic: Early retirement mistakes???
Replies: 37
Views: 6020

Re: Early retirement mistakes???

Maybe I am the few but I retired at 52 (2 years ago). I am financially fit, Fire or what every you want to call it. But I did not know how much I enjoyed my job until I left. It has taken me almost 2 years to be comfortable in retirement. I stay busy all the time some days not enough time in the day...
by indexonlyplease
Wed Dec 12, 2018 4:49 pm
Forum: Investing - Theory, News & General
Topic: Updated Vanguard Estimated Year-End Distributions (Div & CG)
Replies: 52
Views: 3991

Re: Updated Vanguard Estimated Year-End Distributions (Div & CG)

I am looking at my dividends for Total Stock Market for 2018. How do I know if they are ordinary or qualified dividends? The QDI column tells you the percentage that is qualified. please help me with where I find this on Vanguard Total Stock Fund. I looked under cost basis and only see short and lo...
by indexonlyplease
Wed Dec 12, 2018 4:37 pm
Forum: Investing - Help with Personal Investments
Topic: In order to not receive a dividend, what date do I need to SELL a mutual fund on?
Replies: 19
Views: 1536

Re: In order to not receive a dividend, what date do I need to SELL a mutual fund on?

Ok trying to understand. But if you sell to TGH you will pay short term rates? 20% If this is correct.
by indexonlyplease
Tue Dec 11, 2018 9:26 pm
Forum: Investing - Help with Personal Investments
Topic: In order to not receive a dividend, what date do I need to SELL a mutual fund on?
Replies: 19
Views: 1536

Re: In order to not receive a dividend, what date do I need to SELL a mutual fund on?

indexonly first, remember that when you receive a dividend in a fund, the price of the fund decreases by the respective amount (i.e., it doesn’t change your value, but it does change your recognition for it). If in taxable account, likely why the OP asked the question, the dividend is recognized as...
by indexonlyplease
Tue Dec 11, 2018 9:23 pm
Forum: Investing - Theory, News & General
Topic: Updated Vanguard Estimated Year-End Distributions (Div & CG)
Replies: 52
Views: 3991

Re: Updated Vanguard Estimated Year-End Distributions (Div & CG)

I am looking at my dividends for Total Stock Market for 2018. How do I know if they are ordinary or qualified dividends?
by indexonlyplease
Tue Dec 11, 2018 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: Mutual Fund for UTMA Accounts
Replies: 15
Views: 622

Re: Mutual Fund for UTMA Accounts

Unfortunately, you are wrong. The issue is that when it comes time to spend from the account to buy that new car the owner of the account (the child who is no longer a minor) will want to sell shares and will get taxed on all the unrealized capital gains that get realized by the sale. That's why ta...
by indexonlyplease
Tue Dec 11, 2018 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: Mutual Fund for UTMA Accounts
Replies: 15
Views: 622

Re: Mutual Fund for UTMA Accounts

New though, if the UTMA has a tax advantage for the minor why would he have to TGH or TLH each year? Are the dividends and any capital gains taxed paid along the way. I am thinking it is like a Roth IRA or am I wrong?
by indexonlyplease
Tue Dec 11, 2018 4:04 pm
Forum: Investing - Help with Personal Investments
Topic: Tax lost harvesting
Replies: 8
Views: 5101

Re: Tax lost harvesting

I have Vanguard Total Stock Market taxed account. I made multiple purchased lots in 2017. I just looked and realized I have about $1500 in losses on about half of the purchased lots. Each lot was 10k. (hope I am using correct terminology). This is my only taxed account. If I sell the losses this ye...
by indexonlyplease
Mon Dec 10, 2018 8:15 pm
Forum: Investing - Theory, News & General
Topic: Updated Vanguard Estimated Year-End Distributions (Div & CG)
Replies: 52
Views: 3991

Re: Updated Vanguard Estimated Year-End Distributions (Div & CG)

Question: if you don't reinvest the dividends back into the fund does the fund still grow and how? Total stock market in taxed account.
by indexonlyplease
Mon Dec 10, 2018 8:11 pm
Forum: Personal Consumer Issues
Topic: Retired in your late 40s or early 50s?
Replies: 87
Views: 13881

Re: Retired in your late 40s or early 50s?

I retired 2 years agos at 52 after a 32 year career. The truth is I did not enjoy retirement the first 1.5 years. Not that I was bored but just missed the job I had. But all changed when wife took a break from her teaching job for 1 year. Now we travel once a month to a new place. We like to travel ...
by indexonlyplease
Mon Dec 10, 2018 8:02 pm
Forum: Personal Consumer Issues
Topic: Retired in your late 40s or early 50s?
Replies: 87
Views: 13881

Re: Retired in your late 40s or early 50s?

If you pay $250/mo. in rent you could have retired at 30. Not sure why you waited so long. In any case, enjoy! LOL. Actually I couldn't of because I was married with 2 kids and a Networth of about 70k. But after I was divorced at 39 I went on a mission to build a networth of 1M and actually hit 1.8...
by indexonlyplease
Mon Dec 10, 2018 5:29 pm
Forum: Investing - Theory, News & General
Topic: Updated Vanguard Estimated Year-End Distributions (Div & CG)
Replies: 52
Views: 3991

Re: Updated Vanguard Estimated Year-End Distributions (Div & CG)

I have owned the Total Stock Market fund for the past 2 years in my taxed account. It pays quarterly dividends. Does this mean it will pay dividends in December plus capital gains. Also, Dividends are taxed at your income rate? Capital gains taxed at 15% I am in the 22 percent max. rate on income. ...
by indexonlyplease
Mon Dec 10, 2018 4:58 pm
Forum: Investing - Theory, News & General
Topic: Updated Vanguard Estimated Year-End Distributions (Div & CG)
Replies: 52
Views: 3991

Re: Updated Vanguard Estimated Year-End Distributions (Div & CG)

I have owned the Total Stock Market fund for the past 2 years in my taxed account. It pays quarterly dividends. Does this mean it will pay dividends in December plus capital gains.

Also, Dividends are taxed at your income rate?
Capital gains taxed at 15%

I am in the 22 percent max. rate on income.
by indexonlyplease
Sun Dec 09, 2018 8:51 pm
Forum: Investing - Theory, News & General
Topic: Low need to take risk - decrease allocation to stocks?
Replies: 42
Views: 3109

Re: Low need to take risk - decrease allocation to stocks?

I retired at 52 and then lowered my AA to 50/50. I have not reballanced since (2 years). I was 100% stock funds before I retired. I am now just letting the stock market decide my AA but will keep the fixed part around 50%. I also built a large savings account (was emergency fund before retired). My ...
by indexonlyplease
Sun Dec 09, 2018 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: Mutual Fund for UTMA Accounts
Replies: 15
Views: 622

Re: Mutual Fund for UTMA Accounts

What happens when the adult children inherit a 401k from the parents. Is there a step up basis also in taxed deferred? Or do they pay taxes at their rate or parents rate?
by indexonlyplease
Sun Dec 09, 2018 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: Mutual Fund for UTMA Accounts
Replies: 15
Views: 622

Re: Mutual Fund for UTMA Accounts

I would suggest you dispense with the idea of holding forever. At a minimum, you should desire to tax-gain harvest every thing that you can each year if your children can avoid paying taxes on the gains. You have a fiduciary duty to do so. https://www.bogleheads.org/wiki/Tax_gain_harvesting How do ...
by indexonlyplease
Sun Dec 09, 2018 11:42 am
Forum: Investing - Theory, News & General
Topic: You already own international stocks with VTSMX etc [Vanguard Total Stock Market]
Replies: 57
Views: 4682

Re: You already own international stocks with VTSMX etc [Vanguard Total Stock Market]

Not sure if I am right but when I went with the 3 fund 3 years ago I decided on 20% of my stocks would be international. I am now down to around 18% now and may decide to not reballace in January. I will just let if ride and if it goes up good if not who cares. I am more concerned about my overall A...
by indexonlyplease
Sun Dec 09, 2018 11:29 am
Forum: Investing - Help with Personal Investments
Topic: SPIA or CD Ladder
Replies: 31
Views: 2299

Re: SPIA or CD Ladder

Why not build up a large savings account for say 3 years of the 12x3=36k. You are looking at the need of 12k a year. You will take money from the 1 mil when the market is up. If the market is down take the money from the savings. This way you control your money, not some insurance company. At both y...
by indexonlyplease
Sun Dec 02, 2018 10:02 am
Forum: Investing - Help with Personal Investments
Topic: Saving for Retirement when one has a Pension
Replies: 60
Views: 5763

Re: Saving for Retirement when one has a Pension

- If your employer offers a 403 and a 457 you can contribute to both. Quite true and not a bad strategy. One does not have to max out both, but could split the contributions to increase the options if one would be retiring early. If one has enough salary, and cover all expenses on the home front - ...
by indexonlyplease
Sun Dec 02, 2018 8:13 am
Forum: Investing - Help with Personal Investments
Topic: Saving for Retirement when one has a Pension
Replies: 60
Views: 5763

Re: Saving for Retirement when one has a Pension

Make it simple Max out your 403b or any tax deferred plan you can at work. believe it's around 18k a year. If you max that out go fund a Roth IRA. In the end you will have your pension and a really large taxed deferred account. Forget trying to figure out a percent. Just try to max it out over the y...
by indexonlyplease
Sun Dec 02, 2018 7:38 am
Forum: Investing - Help with Personal Investments
Topic: Considering residential real estate investment
Replies: 74
Views: 5076

Re: Considering residential real estate investment

yes real estate is great as long as all goes well. Also, the best real estate return is on the house you live in. Pay it off and your $2500.00 dollar a month now goes in your pocket guaranteed with no hassle of tenants. Then move on to real estate investing after this. All the real estate investors ...
by indexonlyplease
Sun Dec 02, 2018 7:06 am
Forum: Investing - Help with Personal Investments
Topic: Where do you direct Stock Index Capital Gains and Dividends
Replies: 20
Views: 1820

Re: Where do you direct Stock Index Capital Gains and Dividends

New though. In my taxed account I own Vanguard Total Stock Market. The same in my Roth. My thought is I could put the dividends into the Roth IRA every quarter. But same fund so I will need to wait 31 days. I don't need the dividends for income. I have never TLH but may do so if the fund drops. If I...
by indexonlyplease
Sun Dec 02, 2018 6:43 am
Forum: Investing - Theory, News & General
Topic: Prime MM vs 6-month Treasury in IRA
Replies: 91
Views: 9417

Re: Prime MM vs 6-month Treasury in IRA

Treasury Money Market is another option ... it has the same yield as Prime... I don't see it. As of this posting, Treasury and Federal MM have exactly the same SEC yield, while Prime is 11bp higher. Vanguard Treasury Money Market Fund (VUSXX) - It may not be a sweep fund. Vg is showing the Federal ...
by indexonlyplease
Sun Dec 02, 2018 6:30 am
Forum: Investing - Theory, News & General
Topic: Prime MM vs 6-month Treasury in IRA
Replies: 91
Views: 9417

Re: Prime MM vs 6-month Treasury in IRA

I am watching the 3 and 6 month Treasury indicative yields for the first time. My idea is a Treasury ladder I read here. Buy a Treasury every month for 6 months. You could do that, or you could buy a 3-month and a 6-month every month for three months, and have your ladder complete in two months fro...
by indexonlyplease
Sat Dec 01, 2018 6:49 pm
Forum: Investing - Theory, News & General
Topic: Prime MM vs 6-month Treasury in IRA
Replies: 91
Views: 9417

Re: Prime MM vs 6-month Treasury in IRA

I am watching the 3 and 6 month Treasury indicative yields for the first time. My idea is a Treasury ladder I read here. Buy a Treasury every month for 6 months. The money now is in the Vanguard Prime MM. I plan on buying a 100k in Treasury split over 6 months. How do I decide if it is worth buying ...
by indexonlyplease
Wed Nov 28, 2018 5:28 pm
Forum: Personal Consumer Issues
Topic: Calling all 50-60 year old homeowners with kids/families
Replies: 36
Views: 4164

Re: Calling all 50-60 year old homeowners with kids/families

OP, 1) I save 1 year of expense every year. Then, I can choose to spend the rest every year. So, if and when I want to renovate, it comes out of my annual expense. The money is never big enough to be a big deal. 2) I had an old house long ago and I renovated extensively. I have a new house now and ...
by indexonlyplease
Mon Nov 26, 2018 8:35 pm
Forum: Investing - Theory, News & General
Topic: Prime MM vs 6-month Treasury in IRA
Replies: 91
Views: 9417

Re: Prime MM vs 6-month Treasury in IRA

I am searching the Vanguard site but don't see anywhere I can buy Treasury Bills. Any help. Log on, go to Balances & Holdings. Click Buy and sell near the top left of your brokerage account (must be a brokerage account), then select Trade bonds or CDs. You will see a Quick search page, with yields ...
by indexonlyplease
Mon Nov 26, 2018 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: Where do you direct Stock Index Capital Gains and Dividends
Replies: 20
Views: 1820

Re: Where do you direct Stock Index Capital Gains and Dividends

For the taxed account. After the dividends and cap gains go into the settlement account and its not needed for income, when do you decide to reinvest back into the fund?

Or after you tax loss harvest next month if needed when do you reinvest the dividends and cap gains.
by indexonlyplease
Mon Nov 26, 2018 5:39 pm
Forum: Investing - Theory, News & General
Topic: Prime MM vs 6-month Treasury in IRA
Replies: 91
Views: 9417

Re: Prime MM vs 6-month Treasury in IRA

I am searching the Vanguard site but don't see anywhere I can buy Treasury Bills.


Any help.
by indexonlyplease
Mon Nov 26, 2018 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: I can't take this anymore=) I'm selling stocks and buying bonds!
Replies: 129
Views: 19751

Re: I can't take this anymore=) I'm selling stocks and buying bonds!

Sounds like you need to go with a conservative Lifestyle portrolio. Since you can't handle losses. You will make less in the long run but maybe you will sleep better and do something better then looking at your stocks.
by indexonlyplease
Sun Nov 25, 2018 11:13 am
Forum: Investing - Theory, News & General
Topic: Prime MM vs 6-month Treasury in IRA
Replies: 91
Views: 9417

Re: Prime MM vs 6-month Treasury in IRA

wow I wish I heard of the ally deal. FWIW, what does this mean Where is the best and easiest place to buy? Also, can you buy treasury bills at Vanguard. This is where my money is at. I see Schwab charges 25 dollars. What does Fidelity charge? I like the idea of the Treasury ladder. Looks like this ...
by indexonlyplease
Sun Nov 25, 2018 9:40 am
Forum: Investing - Theory, News & General
Topic: Prime MM vs 6-month Treasury in IRA
Replies: 91
Views: 9417

Re: Prime MM vs 6-month Treasury in IRA

wow I wish I heard of the ally deal. FWIW, what does this mean Where is the best and easiest place to buy? Also, can you buy treasury bills at Vanguard. This is where my money is at. I see Schwab charges 25 dollars. What does Fidelity charge? I like the idea of the Treasury ladder. Looks like this w...
by indexonlyplease
Sun Nov 25, 2018 7:11 am
Forum: Investing - Theory, News & General
Topic: Prime MM vs 6-month Treasury in IRA
Replies: 91
Views: 9417

Re: Prime MM vs 6-month Treasury in IRA

For the auction of 6 month Treasuries on Monday, November 26th, which was announced on November 21st, the Fidelity website shows an expected yield of 2.45% with no fee to buy. The Treasury website shows the yield on November 21st is 2,52%. What accounts for the 7 basis point differential? Is it a F...
by indexonlyplease
Sun Nov 25, 2018 5:48 am
Forum: Investing - Theory, News & General
Topic: Prime MM vs 6-month Treasury in IRA
Replies: 91
Views: 9417

Re: Prime MM vs 6-month Treasury in IRA

For the auction of 6 month Treasuries on Monday, November 26th, which was announced on November 21st, the Fidelity website shows an expected yield of 2.45% with no fee to buy. The Treasury website shows the yield on November 21st is 2,52%. What accounts for the 7 basis point differential? Is it a F...
by indexonlyplease
Sun Nov 25, 2018 5:44 am
Forum: Investing - Help with Personal Investments
Topic: Tax lost harvesting
Replies: 8
Views: 5101

Re: Tax lost harvesting

Earl Lemongrab wrote:
Sat Nov 24, 2018 4:05 pm
Once you sell funds, it's just money. You can do what you want with it. Given the financials you've mentioned, I don't see why you wouldn't be able to max out her 401(k), the Roths, and have taxable holdings.
yes, I agree. Thanks
by indexonlyplease
Sun Nov 25, 2018 5:44 am
Forum: Investing - Help with Personal Investments
Topic: Tax lost harvesting
Replies: 8
Views: 5101

Re: Tax lost harvesting

You can reinvest the money into your Roth next year and take the taxable account loss off your taxes this year. You have to make sure you are not buying any more of Total market for 31 days from the sale. Turn any reinvest dividends/CG off in the taxable account for this fund. The only requirement ...
by indexonlyplease
Sat Nov 24, 2018 1:57 pm
Forum: Investing - Theory, News & General
Topic: When do YOU pull the trigger for TLH? [Tax Loss Harvesting]
Replies: 53
Views: 4020

Re: When do YOU pull the trigger for TLH? [Tax Loss Harvesting]

Rarely, if ever, do I recommend TLH. If you think about it, all you’re doing is reducing your basis. So you’re really just kicking the can down the road, because when you sell that asset in the future, you’ll have a higher gain, and wind up paying back all that money that you thought you saved. The...
by indexonlyplease
Sat Nov 24, 2018 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: Tax lost harvesting
Replies: 8
Views: 5101

Re: Tax lost harvesting

You can reinvest the money into your Roth next year and take the taxable account loss off your taxes this year. You have to make sure you are not buying any more of Total market for 31 days from the sale. Turn any reinvest dividends/CG off in the taxable account for this fund. The only requirement ...
by indexonlyplease
Sat Nov 24, 2018 8:14 am
Forum: Investing - Help with Personal Investments
Topic: Tax lost harvesting
Replies: 8
Views: 5101

Tax lost harvesting

I have Vanguard Total Stock Market taxed account. I made multiple purchased lots in 2017. I just looked and realized I have about $1500 in losses on about half of the purchased lots. Each lot was 10k. (hope I am using correct terminology). This is my only taxed account. If I sell the losses this yea...
by indexonlyplease
Fri Nov 23, 2018 9:28 pm
Forum: Investing - Help with Personal Investments
Topic: First time investor - Need help with AA and Portfolio
Replies: 11
Views: 935

Re: First time investor - Need help with AA and Portfolio

Looks like you are about to make investing difficult. Why not just keep the Target Dated fund you and your wife have. They are age appropriate and keep you from making mistakes in rebalancing or making disision on your AA. Or worse moving your money around. Just max the 401k's out you already have. ...
by indexonlyplease
Fri Nov 23, 2018 9:12 pm
Forum: Personal Consumer Issues
Topic: Renting car in Chicago - Christmas - what to expect?
Replies: 14
Views: 1266

Re: Renting car in Chicago - Christmas - what to expect?

Will be visiting relatives in Chicago over Christmas. Need to rent a car. Do I need chains? Should I get a AWD? Not sure what to expect. I have driven in the snow many times, not worried about that, just not sure what to expect during the winter season. Usually we visit in the spring/summer. If you...
by indexonlyplease
Fri Nov 23, 2018 9:08 pm
Forum: Investing - Theory, News & General
Topic: Prime MM vs 6-month Treasury in IRA
Replies: 91
Views: 9417

Re: Prime MM vs 6-month Treasury in IRA

I’ve read on some posts the arguments of vanguard prime money market fund vs federal money market fund but still haven’t been able to come to a consensus. Recommendations? This is off topic, but there is no consensus. Federal MM is a bit safer and yield is a bit lower, but may be partially exempt f...
by indexonlyplease
Fri Nov 23, 2018 4:02 pm
Forum: Investing - Theory, News & General
Topic: Prime MM vs 6-month Treasury in IRA
Replies: 91
Views: 9417

Re: Prime MM vs 6-month Treasury in IRA

I can put my cash in the Prime MM at Vanguard at a yeild of 2.28% and be able to get my money out any time with no penalties and best it's really easy to get money in and out. Also, I know what the yeild is when I place it in. Also, yeild keeps going up. Not sure it is worth buying the Treasury bill...
by indexonlyplease
Fri Nov 23, 2018 8:56 am
Forum: Personal Finance (Not Investing)
Topic: What financial information do you share with your family and relatives?
Replies: 112
Views: 9706

Re: What financial information do you share with your family and relatives?

We give our adult kids our updated financial information every year. It's on a list and includes financial institutions, account numbers, amounts, insurance information including long term care, social security benefits, etc. I frequently discuss granular personal financial details with my adult so...
by indexonlyplease
Fri Nov 23, 2018 8:44 am
Forum: Investing - Help with Personal Investments
Topic: 5 Funds
Replies: 19
Views: 1963

Re: 5 Funds

Thoughts on a 5 fund of Total stock Total international Short term corporate REIT small cap value What is missing I think you would be far better off with the Target Dated Fund. One fund to invest no ballance and nothing to worry about but invest monthly in the fund. You can do this in your 401k an...
by indexonlyplease
Tue Nov 20, 2018 5:52 am
Forum: Investing - Help with Personal Investments
Topic: Current Retirees: Do you touch your principal?
Replies: 79
Views: 8239

Re: Current Retirees: Do you touch your principal?

No. My early retirement plan included being able to live off monthly and quarterly dividend payments. If anything, I have had some excess dividends over the years I have been able to reinvest somewhere. I am 55 now and this has been going on for the last 10 years. So you retired at 45. what have yo...
by indexonlyplease
Tue Nov 20, 2018 5:48 am
Forum: Investing - Help with Personal Investments
Topic: Current Retirees: Do you touch your principal?
Replies: 79
Views: 8239

Re: Current Retirees: Do you touch your principal?

2 years retired and have not touch interest or principle. I was lucky to retire with a pension that support us the same as when I worked. We have a large savings account that we use for our costly vacations. I guess when we use this up we will start taking some investments. But that could be years.