Search found 19 matches

by Sailor36
Sun Sep 24, 2017 9:17 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Upgrade and Quicken
Replies: 4
Views: 1053

Re: Vanguard Upgrade and Quicken

Vanguard has recently fixed some issues with downloading transactions from Brokerage accounts to Quicken, mainly related to the settlement fund (Federal Money Market). A remaining issue is that a purchase of the settlement fund downloads the correct dollar amount but zero shares. You must edit these...
by Sailor36
Wed Sep 20, 2017 5:36 pm
Forum: Investing - Theory, News & General
Topic: measurement of success of investment(s)
Replies: 52
Views: 4457

Re: measurement of success of investment(s)

Remember if you are comparing your returns to an index like the S&P 500, that the usually-quoted S&P 500 just looks at share prices and does not include dividends. Unless you are spending the dividends and do not want to count them as part of your portfolio's performance, you should use Total Return...
by Sailor36
Sat Apr 15, 2017 6:23 pm
Forum: Investing - Theory, News & General
Topic: Cost basis info to paste to Excel
Replies: 9
Views: 733

Re: Cost basis info to paste to Excel

Quicken Premier for Windows does an excellent job of tracking tax lots if you use it carefully. It is essential if you are tracking old "uncovered" mutual fund lots. I trust its data more than Vanguard and use it for tax preparation, even if it differs from Vanguard's 1099. So far the IRS has never ...
by Sailor36
Tue Apr 04, 2017 1:15 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Bank Fees
Replies: 11
Views: 2588

Re: HSA Bank Fees

I also have an account with HSA Bank with investments at TD Ameritrade and I am being charged $2.00 plus $3.50 monthly despite having a balance well in excess of $5,000 in the HSA Bank account. I called today and the rep said the charges are correct; there is no way to get the fees waived for my acc...
by Sailor36
Wed Jan 25, 2017 11:46 am
Forum: Investing - Theory, News & General
Topic: Capital Gains on IRA v Roth IRA
Replies: 4
Views: 463

Re: Capital Gains on IRA v Roth IRA

Hi everyone, Could someone help me with this? I know you don't pay income tax on the Roth IRA compared to traditional IRA, but what about the capital gains/dividends accrued over decades when you take it out for retirement? Are they both taxed or not taxed? I have my capital gains set on 're-invest...
by Sailor36
Wed Jan 25, 2017 9:38 am
Forum: Investing - Theory, News & General
Topic: Bid-ask Spread tips for a first time EFT buyer?
Replies: 27
Views: 2362

Re: Bid-ask Spread tips for a first time EFT buyer?

For such a small amount, suggest you to consider using an index mutual fund instead. If the commission is $6.95 per transaction, and the spread is $0.03, the total cost of trade will be: (15 shares x $0.03) + $6.95 = $7.40. That will be about 0.74% of your $1000. Too high a cost to pay. But unless ...
by Sailor36
Wed Jan 25, 2017 9:25 am
Forum: Investing - Theory, News & General
Topic: Vanguard Dynamic Spending Rule - AAII Jan 2017
Replies: 2
Views: 626

Re: Vanguard Dynamic Spending Rule - AAII Jan 2017

The link to the underlying research article is broken but if you Google the title you can download the article. Vanguard also has an updated and IMO clearer article on this strategy from Sept. 2016 titled "From assets to income: A goals-based approach to retirement spending" at https://per...
by Sailor36
Tue Jan 24, 2017 9:42 am
Forum: Investing - Theory, News & General
Topic: Upgrade button on Vanguard IRA
Replies: 73
Views: 9538

Re: Upgrade button on Vanguard IRA

Doc wrote: Vanguard chose to make clients change their settlement fund. To clarify (because this confused my wife) - the old style brokerage accounts had you specify a money market fund in your mutual fund account that was used as the settlement fund. The "upgraded" accounts include the se...
by Sailor36
Sun Jan 22, 2017 8:22 pm
Forum: Investing - Theory, News & General
Topic: Upgrade button on Vanguard IRA
Replies: 73
Views: 9538

Re: Upgrade button on Vanguard IRA

Reasons for me to delay the "upgrade" as long as possible: 1) Downloads to Quicken do not work well on the new style brokerage accounts. This has gotten better in the past month or so, but there are still problems in how the settlement account and cash withdrawals are handled in the downlo...
by Sailor36
Sun Jan 22, 2017 7:53 pm
Forum: Investing - Theory, News & General
Topic: Help with Retirement Projection Assumptions
Replies: 35
Views: 3984

Re: Help with Retirement Projection Assumptions

Sorry I missed your response. Two things: Right, now, I'm assuming my taxes go from 25% Marginal to 28% Marginal upon retirement. I'm working on a process to move all my 401K/IRA to Roth in my late 50's and early 60's, so by 70 when I take SS, I don't have to worry about the tax on a portion of my ...
by Sailor36
Sun Jan 22, 2017 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: Practical Advice for Roth IRA Conversion
Replies: 7
Views: 813

Re: Practical Advice for Roth IRA Conversion

Option 1 is true. That will be a big boatload of taxes to pay in the year of the conversion. Are you sure you don't want to spread it out over a few years?
by Sailor36
Wed Jan 18, 2017 4:16 pm
Forum: Investing - Theory, News & General
Topic: Spending HSA money versus other
Replies: 21
Views: 2532

Re: Spending HSA money versus other

inbox788 wrote: Lots of big and little gaps and likely increasing as the plans try to cut costs and stealthily adjust the fine print. A really big gap now is that Medicare does not pay for long term care. For those without LTC insurance, this can be very expensive. One strategy might be to use the ...
by Sailor36
Wed Jan 04, 2017 11:11 am
Forum: Investing - Theory, News & General
Topic: Vanguard upgrading to Brokerage account comes with some nuisances
Replies: 89
Views: 14612

Re: Vanguard upgrading to Brokerage account comes with some nuisances

With people upgrading to the new brokerage accts has anyone had Quicken and can you explain how this worked. I still have an original SEP IRA and SEP Brokerage as well as a Roth Brokerage and Roth IRA. Everything is working / downloading perfectly in Quicken and I am reluctant to change. Thanks, Al...
by Sailor36
Thu Dec 29, 2016 11:08 pm
Forum: Investing - Theory, News & General
Topic: "Fun Money" Allocation
Replies: 28
Views: 3967

Re: "Fun Money" Allocation

Of course you could also make a "fun" portfolio on Morningstar, which wouldn't cost you anything, except maybe the M* subscription fee.
by Sailor36
Tue Oct 04, 2016 5:08 pm
Forum: Investing - Theory, News & General
Topic: Which Bond Fund As Emergency Fund?
Replies: 39
Views: 7119

Re: Which Bond Fund As Emergency Fund?

One disadvantage of using a bond fund for an emergency fund is that any spending from it will complicate your tax return. Fluctuations in the share price will produce capital gains or losses, which need to be accounted for on Schedule D. If you make regular purchases and/or reinvest the distribution...
by Sailor36
Tue Jun 16, 2015 7:31 pm
Forum: Investing - Theory, News & General
Topic: M* X-ray Stock Intersection Inaccurate for anyone else?
Replies: 3
Views: 697

Re: M* X-ray Stock Intersection Inaccurate for anyone else?

The X-ray stock intersection tool only shows the top 50 holdings in each fund. This is OK for answering a question like "Do I have more than 5% of my equities in any one stock?" However it can produce some confusing results if you have a large holding in a Total Stock Market fund like VTSA...
by Sailor36
Mon May 18, 2015 4:46 pm
Forum: Investing - Theory, News & General
Topic: Benchmarking - Do you and what is your reference?
Replies: 13
Views: 1334

Re: Benchmarking - Do you and what is your reference?

If you are using a published index as a benchmark, make sure to use the "TR" or Total Return version, which includes dividends, or compare to the total return of an index fund that matches your AA. For my benchmark I use the Vanguard Balanced Index fund VBIAX, which is basically 60% TSM an...
by Sailor36
Mon May 04, 2015 7:33 pm
Forum: Investing - Theory, News & General
Topic: Where are the dividends with Funds??
Replies: 21
Views: 5136

Re: Where are the dividends with Funds??

Perhaps the reason you are seeing lower dividends than you expect from your stock index funds is that funds do not necessarily pay out pay their dividends in equal quarterly installments the way the underlying stocks do. For example, the last several distributions from VTIAX have been Date NAV LTCG ...