Search found 5808 matches

by Duckie
Sat Aug 18, 2018 7:13 pm
Forum: Investing - Help with Personal Investments
Topic: Help me pick a TIPS fund
Replies: 8
Views: 698

Re: Help me pick a TIPS fund

lilgrinch , welcome to the forum. My 401K account is with etrade. I am happy withe them and plan to stay. I have been using VIPSX (vanguard TIPS fund) for my TIPS allocation. I wonder if i can do better. <snip> Would somebody be so kind as to walk me through how to compare these funds as far as lon...
by Duckie
Sat Aug 18, 2018 6:39 pm
Forum: Investing - Help with Personal Investments
Topic: 4-5 yrs to retirement--seeking insights on funds & priorities
Replies: 14
Views: 1490

Re: 4-5 yrs to retirement--seeking insights on funds & priorities

Funds available in Her 403b AND in Her 401a Match at Fidelity The best options are: FID Total Market Index (FSTVX) (.015%) FID Global Ex-US Index (FSGDX) (.06%) FID US Bond Index (FSITX) (.025%) Global ex-US is a better option than International Index because along with developed markets it also co...
by Duckie
Sat Aug 18, 2018 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: What to use for Fixed Income allocation in 3 fund portfolio?
Replies: 5
Views: 733

Re: What to use for Fixed Income allocation in 3 fund portfolio?

As we find in raising rate/inflation environment, bond shows negative return, how do I pick right bond asset preserve fixed income $ of portfolio? Pick a low-cost intermediate-term bond index fund. Is it a good idea to use combination short term bond, multi sector bond, Floating rate, MBS, closed F...
by Duckie
Fri Aug 17, 2018 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: 401k/403b Funds and Housing Advice
Replies: 8
Views: 428

Re: 401k/403b Funds and Housing Advice

Age: 35 / 34 (wife) Desired Asset allocation: 95% stocks / 5% bonds 5% bonds is very aggressive for your ages. Funds available in his 401k The best options are: Vanguard Institutional Index .02 VIIIX -- Large caps, 80% of US stocks Vanguard Total Int’l Stock Index .09 VTSNX -- Complete internationa...
by Duckie
Fri Aug 17, 2018 7:17 pm
Forum: Investing - Help with Personal Investments
Topic: Clarification on multi-year Backdoor Roth
Replies: 3
Views: 353

Re: Clarification on multi-year Backdoor Roth

can I/should I do a double contribution in January, both for 2018 and 2019 and then convert all of it backdoor? Does that count as a tax-year 2019 conversion? Or should I just do the 2019 and forgo the 2018 amount? I didn't want to complicate with this year's conversion, which has non-deductible bu...
by Duckie
Fri Aug 17, 2018 6:47 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Advice
Replies: 12
Views: 652

Re: 401k Advice

Old 401k funds: The best options are: FID 500 INDEX (FUSVX) 0.015% -- Large caps, 80% of US stocks FID EXT MKT IDX (FSEVX) 0.045% -- Mid/small caps, 20% of US stocks FID INTL INDEX (FSIVX) 0.045% -- Developed markets, 75% of international stocks VANG TOT BD MKT (VBTLX) 0.05% -- US bonds New 401k fu...
by Duckie
Thu Aug 16, 2018 7:17 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting international funds at Fidelity
Replies: 12
Views: 633

Re: Tax loss harvesting international funds at Fidelity

Are you saying that I can just use FTIPX and IXUS for tax loss harvesting and don't have to introduce a 3rd fund? No. I thought IXUS didn't follow the same index as FTIPX. Unfortunately, it does. Looking at their prospectuses, both FTIPX and IXUS follow the MSCI ACWI ex-US IMI. FSGDX follows MSCI A...
by Duckie
Thu Aug 16, 2018 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting international funds at Fidelity
Replies: 12
Views: 633

Re: Tax loss harvesting international funds at Fidelity

What would be a good fund to have at Fidelity that is sufficiently different from both FTIPX and IXUS? ( FSGDX ) Fidelity Global ex U.S. Index Fund Premium Class (0.06%) would be an option. Could purchases of shares in a 401k account trigger wash sales for funds in a taxable account or are they mut...
by Duckie
Thu Aug 16, 2018 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on re-balancing efforts
Replies: 6
Views: 607

Re: Advice on re-balancing efforts

Age: 50; Spouse 46 Desired Asset allocation: 90% stocks/10% bonds 10% bonds is extremely low for your ages. I'd be 35% to 40% bonds. Desired International allocation: 60/40 US/Int'l (60% Developed/40% Emerging) Vanguard's developed markets are about 80% international stocks and emerging markets are...
by Duckie
Thu Aug 16, 2018 4:51 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie [Where to start?]
Replies: 2
Views: 126

Re: Newbie [Where to start?]

Jkdman81 , welcome to the forum. Im new here and I'm a real newbie to investing. I have a Roth IRA and just started investing. I starting with very small version of the 3 fund portfolio. Any guidance you Boogleheads can give would be appreciated We need more information. See Asking Portfolio Questi...
by Duckie
Wed Aug 15, 2018 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: My Own LLC
Replies: 5
Views: 761

Re: My Own LLC

I'm a physician and employed by a hospital. In addition, I own my own business in which I sell random things on Ebay and provide some services. For me, the business is not that important, but what I wonder about is how I can use my business to contribute to my retirement? Will you please shed some ...
by Duckie
Wed Aug 15, 2018 5:42 pm
Forum: Investing - Help with Personal Investments
Topic: New member - American Funds to Vanguard
Replies: 1
Views: 253

Re: New member - American Funds to Vanguard

LoveToCT , welcome to the forum. I'm in my mid-30's and have been investing money into an SEP-IRA account for about the past 1 year. I'm an independent contractor and make roughly $300,000/year pre-tax. If you have no employees you can open a solo 401k next year. If you open it at Fidelity you can ...
by Duckie
Wed Aug 15, 2018 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: megabackdoor impact on tIRA.
Replies: 2
Views: 324

Re: megabackdoor impact on tIRA.

If I do a conversion from my post-tax 401k account to a roth IRA account in Fidelity (NOT a in-plan conversion to roth-401k), will my IRA account at Vanguard cause me any pro-rata taxes? If you roll the after-tax amount directly into the Roth IRA, then NO, it will not be an issue because you won't ...
by Duckie
Wed Aug 15, 2018 5:00 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement guidance for 38 yr old in Silicon Valley CA
Replies: 13
Views: 2166

Re: Investment portfolio help

[W]e are waiting for a housing crash to purchase our own house in the Bay Area. We would need about $300,000 for a down payment At 20% for a down-payment that means a purchase costing roughly $1.5MM. Right now what do the homes you're looking at/dreaming about cost? I wouldn't hold my breath on a c...
by Duckie
Tue Aug 14, 2018 5:18 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Strategy/Portfolio Suggestions and Opinions
Replies: 2
Views: 257

Re: Investment Strategy/Portfolio Suggestions and Opinions

Available funds in my 401(k) The best options are: Vanguard Instl 500 Index VGINT 0.01% -- Large caps, 80% of US stocks Vanguard Instl Extended Mkt Index VGIET 0.02% -- Mid/small caps, 20% of US stocks Vanguard Instl Ttl Intl Stock Index VGIST 0.06% -- Complete international stocks Vanguard Instl T...
by Duckie
Tue Aug 14, 2018 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Warns of Worsening Odds for the Economy and Markets [Portfolio help]
Replies: 12
Views: 1448

Re: Vanguard Warns of Worsening Odds for the Economy and Markets [Portfolio help]

NeedsHelp! , welcome to the forum. 1. Do I hold steady as of today with an 85% distribution of stocks (50-50 mix of US and international) and 15% bonds? 2. OR would you redistribute funds to a more conservative mix (increase bond percentage)? I would "hold steady" as long as you're comfortable with...
by Duckie
Sun Aug 12, 2018 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: Question/Update on my Situation
Replies: 15
Views: 1731

Re: Question/Update on my Situation

I think I want to go ahead and complete the withdrawals from the Inherited IRA and just get it cleared from account, most likely. I'll use most of it up this year Sounds reasonable unless it puts you in a higher tax bracket. Does it? I think it would be nice to go ahead and use $50K of the trust mo...
by Duckie
Sun Aug 12, 2018 6:43 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with bond allocation in 401k plan
Replies: 4
Views: 366

Re: Need help with bond allocation in 401k plan

The options provided by the 401k administrator are: Without knowing the plan expense ratios, the best options appear to be: Fidelity 500 Index (FXSIX) -- Large caps, 80% of US stocks Vanguard FTSE All-World ex-US Index (VFWAX) -- Almost complete international stocks State Street Aggregate Bond Inde...
by Duckie
Sun Aug 12, 2018 6:39 pm
Forum: Investing - Help with Personal Investments
Topic: New member: help with asset allocation and fund selections
Replies: 9
Views: 664

Re: New member: help with asset allocation and fund selections

Her 401K Past Employer @ Voya 3.46% Vanguard Extended Market Interest Trust Premium (VIEIX) (.05%) <snip> Funds Available in her past employer 401K @Voya: Vanguard Extended Market Index Trust (.50%) Which is it, 0.05% or 0.50%? Funds available in his current 401(k) The best options are: Fidelity 50...
by Duckie
Sun Aug 12, 2018 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: Just starting out, need some feedback
Replies: 12
Views: 954

Re: Just starting out, need some feedback

I have 3 choices for bonds through my 403(b): FID US BOND INDEX FUND (FXSTX) (ER 0.025%) FID INTM GOV'T INCOME FUND (FSTGX) (ER 0.45%) PIMCO TOTAL RETURN FUND INST (PTTRX) (ER 0.55%) The first choice is the only one that is appealing to me. If it makes sense to you to switch to this, how would I go...
by Duckie
Sat Aug 11, 2018 6:17 pm
Forum: Personal Consumer Issues
Topic: Aqua Shoes for Beach
Replies: 16
Views: 1439

Re: Aqua Shoes for Beach

alex11 wrote:Looking for suggestions on a decent pair of water shoes to wear while at the beach.
Lands' End water shoes & sandals
Good quality but not cheap.
by Duckie
Sat Aug 11, 2018 5:45 pm
Forum: Investing - Help with Personal Investments
Topic: 403b Rollover
Replies: 4
Views: 362

Re: 403b Rollover

Tax Bracket: 12% S Est 2018 Gross income: 24k <snip> Total 403b balance for conversion is 23-24k (including 2018, minus Roth) $24K plus $24K is $48K. With the $12K standard deduction that keeps you in the 12% bracket. Is it a good idea to rollover? Or Should I just keep the 403b? It depends on the ...
by Duckie
Sat Aug 11, 2018 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: Just starting out, need some feedback
Replies: 12
Views: 954

Re: Just starting out, need some feedback

rp13md , welcome to the forum. Age: 26 Desired Asset allocation: 75% stocks / 25% bonds Desired International allocation: 20% of stocks That breaks down to 60% US stocks, 15% international stocks, and 25% bonds. 403(b), Fidelity 0% FID 500 INDEX IPR (FXAIX) (ER 0.015%) 0% FID INTL INDEX INS (FSPNX)...
by Duckie
Sat Aug 11, 2018 5:00 pm
Forum: Investing - Help with Personal Investments
Topic: VPAS and backdoor Roth IRA
Replies: 3
Views: 330

Re: VPAS and backdoor Roth IRA

Will vanguard personal advisor services perform a backdoor Roth IRA transaction for you or do you need to do this manually? You need to initiate it. You make the non-deductible contribution to the TIRA and then make the conversion to the Roth IRA. PAS decides what goes in the accounts, but you need...
by Duckie
Fri Aug 10, 2018 7:46 pm
Forum: Investing - Help with Personal Investments
Topic: Untangling a Trad IRA
Replies: 9
Views: 762

Re: Untangling a Trad IRA

GuySmiley , welcome to the forum. which should I do first? Rollover to 401k the big part, or convert to Roth the small part? Both will happen this year. I am concerned if I do the rollover first and leave the 5500 balance to convert that fees or interest will alter the 5500 before I convert. I gues...
by Duckie
Fri Aug 10, 2018 7:15 pm
Forum: Investing - Help with Personal Investments
Topic: Helping GF move to 3-fund portfolio
Replies: 6
Views: 1123

Re: Helping GF move to 3-fund portfolio

As to the costly MFs and the ETFs, is it alright to transfer funds in-kind to another brokerage (Vanguard) and then immediately sell-off some (but not others)? Yes, it's alright. She needs to find the selling fees at the current brokerage and the selling fees at the new brokerage. Then sell whereve...
by Duckie
Thu Aug 09, 2018 6:01 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA, Rollover IRA, Roth 401k dilemma
Replies: 7
Views: 505

Re: Roth IRA, Rollover IRA, Roth 401k dilemma

last year I had to do a recharacterization, as I exceeded the income limit. Yay! That's a good problem right? "Not so fast my friend." Those recharacterized funds ended up in a Rollover IRA from a previous employer 401k. Pre-($30,000) and post-tax($5500) money in the same IRA. When you recharacteri...
by Duckie
Thu Aug 09, 2018 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: Lawsuit payout
Replies: 19
Views: 2938

Re: Lawsuit payout

v8juice wrote:Next step would be to fund our both our Roth IRA'S fully for this year, now what kind of funds would I want in those?
Vanguard Total International Stock up to the 24% (or whatever is desired) AA and then Vanguard Total Stock Market.
by Duckie
Wed Aug 08, 2018 5:43 pm
Forum: Investing - Help with Personal Investments
Topic: Asset allocation and next steps?
Replies: 12
Views: 987

Re: Asset allocation and next steps?

His 401k - 100% pre-tax funds (tradition or employer contributions) He's is some expensive funds and he has cheaper options. His Roth IRA <snip> Her Roth IRA In general it's better to put assets with higher expected growth (stocks) in Roth accounts and assets with lower expected growth (bonds) in p...
by Duckie
Tue Aug 07, 2018 6:26 pm
Forum: Personal Consumer Issues
Topic: Detailed journal of my bicycle ride through the Balkans
Replies: 4
Views: 649

Re: Detailed journal of my bicycle ride through the Balkans

Raybo wrote:I completed my detailed journal of the trip.
<snip>
The forum's rules don't allow me to post a direct link to the journal, but nothing in the rules says you can't post a direct link.
Here's the direct link:
Biking the Balkans and dawdling in the Dolomites
by Duckie
Tue Aug 07, 2018 6:02 pm
Forum: Investing - Help with Personal Investments
Topic: Financial Checkup
Replies: 9
Views: 1118

Re: Financial Checkup

401k - $120,000 (Fidelity) 72.07% Fid Freedom 2050 K (FNSBX) (0.65% ER) This fund is expensive and you have cheaper options. Roth IRA - $44,000 (Vanguard) 26.43% Vanguard Target 2050 (VFIFX) (0.15% ER) In general it's better to put assets with higher expected growth (stocks) in Roth accounts and as...
by Duckie
Mon Aug 06, 2018 5:45 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation with Three Fund portfolio
Replies: 2
Views: 520

Re: Asset Allocation with Three Fund portfolio

noob40 , welcome to the forum. Age: 40 Desired Asset allocation: 70% stocks / 30% bonds Desired International allocation: 20% of stocks That breaks down to 56% US stocks, 14% international stocks, and 30% bonds. Available 401K funds The best options are: S&P 500 Index - SSgA - 0.02% -- Large caps, ...
by Duckie
Mon Aug 06, 2018 4:36 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Assistance and Retirement Advice
Replies: 29
Views: 3361

Re: Portfolio Assistance and Retirement Advice

Terp1978 wrote:As for simulations ... what do you mean by that?
You can put different numbers into online tax programs like TaxAct and see the results in different situations.
by Duckie
Sun Aug 05, 2018 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: New and portfolio help please. Thanks!
Replies: 13
Views: 1448

Re: New and portfolio help please. Thanks!

Emergency FUnd placement and working account to pay bills* We've seen Ally (although it seems like lately folks have had some difficulty with them), Redneck, Vanguard MM and other suggestions .... We're looking into them, but any suggestions for any particular reasons or logic??? For the "working a...
by Duckie
Sat Aug 04, 2018 5:20 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review & correcting a taxable account: target date funds; selling to switch to 100% stock index funds
Replies: 6
Views: 688

Re: Portfolio review & correcting a taxable account: target date funds; selling to switch to 100% stock index funds

Once he has a taxable account earmarked for retirement, using a target-date fund becomes less optimal. Could you explain what this means? I don't understand. All of the accounts are for retirement. Target-date funds work best when all accounts earmarked for retirement have them. Since he has a taxa...
by Duckie
Sat Aug 04, 2018 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: New and portfolio help please. Thanks!
Replies: 13
Views: 1448

Re: New and portfolio help please. Thanks!

I'm not sure about the His extra available funds. I'm sure it would go into a Vanguard, but I'm at a bit of a loss. Suggestions?? If by "extra available funds" you mean the $23K in taxable, he has different options. He could contribute more to his 403b reducing his take-home pay and use some of the...
by Duckie
Fri Aug 03, 2018 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: Helping GF move to 3-fund portfolio
Replies: 6
Views: 1123

Re: Helping GF move to 3-fund portfolio

Because almost all GF's financial assets not in the annuities are in taxable, I'm thinking of recommending that for at least next year she utilize her ready cash for life expenses and sink as much of her income as is allowed into a total bond fund in a solo 401(k) in order to get that jumpstarted, ...
by Duckie
Fri Aug 03, 2018 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Assistance and Retirement Advice
Replies: 29
Views: 3361

Re: Portfolio Assistance and Retirement Advice

Both my wife and I have traditional IRAs ... we have not been consistent contributors over the years. Since there are funds available does it make sense for us to make contributions to those going forward? Yes. In fact I would be contributing to Roth IRAs. Also ... as a 40+ year federal employee in...
by Duckie
Fri Aug 03, 2018 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review & correcting a taxable account: target date funds; selling to switch to 100% stock index funds
Replies: 6
Views: 688

Re: Portfolio review & correcting a taxable account: target date funds; selling to switch to 100% stock index funds

403b: 39% of total What are the other options in his 403b? Once he has a taxable account earmarked for retirement, using a target-date fund becomes less optimal. List the fund names, ticker symbols, and plan expense ratios. rollover IRA: 25% of total <snip> IRA (traditional): 5% of total He should ...
by Duckie
Thu Aug 02, 2018 4:32 pm
Forum: Personal Consumer Issues
Topic: West Coast Tour Group Suggestions
Replies: 17
Views: 1041

Re: West Coast Tour Group Suggestions

keepingitsimple wrote:Have you taken any trips with this group?
Yes, but not in the US.
by Duckie
Wed Aug 01, 2018 7:08 pm
Forum: Personal Consumer Issues
Topic: West Coast Tour Group Suggestions
Replies: 17
Views: 1041

Re: West Coast Tour Group Suggestions

I'm thinking of taking a tour of the West Coast this year or next (land, not a cruise) with a Tour Group/Company, as the thought of not having to drive on vacation is quite appealing. I definitely want to include Northern California, perhaps Southern CA too, from there I'm open regarding destinatio...
by Duckie
Wed Aug 01, 2018 6:34 pm
Forum: Investing - Help with Personal Investments
Topic: Help me help Future me...
Replies: 9
Views: 1122

Re: Help me help Future me...

Taxable 5% Vanguard Total Bond Index (VBTLX) (0.05% expense ratio) 15% Vanguard Mid-Cap Growth Index (VMGMX) (0.07% expense ratio) 9% Vanguard Total Stock Index (VTSAX) (0.04% expense ratio) 9% Vanguard Wellington (VWENX) (0.17% expense ratio) 11% Vanguard Wellesely Income (VWIAX) (0.15% expense ra...
by Duckie
Wed Aug 01, 2018 6:01 pm
Forum: Investing - Help with Personal Investments
Topic: 37 years old - 401k fund and investment advice
Replies: 8
Views: 1337

Re: 37 years old - 401k fund and investment advice

My 401k investment options seem rather limited, but I've read I should still max it out even without employer match. I've tried to pick the lowest ER funds that best represent the total US stock market index, while also keeping my 90/10 AA and taxable/Roth allocations in mind. Did I pick the right ...
by Duckie
Mon Jul 30, 2018 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: 3 Fund from Formula Folio?
Replies: 7
Views: 829

Re: 3 Fund from Formula Folio?

Company Stock - Probably too much in one basket but has done well and selling it caused a massive tax burden. So you've already sold? Anytime I ask for where to put my money...the answer is always Formula Folios. Who are you asking? Going to spend some time looking at the overall allocations, which...
by Duckie
Mon Jul 30, 2018 4:43 pm
Forum: Investing - Help with Personal Investments
Topic: New and portfolio help please. Thanks!
Replies: 13
Views: 1448

Re: New and portfolio help please. Thanks!

What about my funds that are not in 401k or 403b's? Vanguard?? Roth funds??? The following portfolio example has an AA of 45% stocks, 55% bonds, with 30% of stocks in international. That breaks down to 32% US stocks, 13% international stocks, and 55% bonds. After transferring accounts (assuming it ...
by Duckie
Sun Jul 29, 2018 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: Solo 401k w/457 and Roth IRA-How to balance and allocate
Replies: 19
Views: 917

Re: Solo 401k w/457 and Roth IRA-How to balance and allocate

And would the Vanguard Total Stock Market Index Fund (VTSMX) be spread as 1 fund across the Roth IRA and 401k or would you technically have to open 2 total market funds ? Even though Vanguard is the custodian of both the Roth IRA and solo 401k, they are two different accounts. So you will have to o...
by Duckie
Sun Jul 29, 2018 4:05 pm
Forum: Investing - Help with Personal Investments
Topic: Lifestrategy moderate growth - 12% bracket ok?
Replies: 9
Views: 1072

Re: Lifestrategy moderate growth - 12% bracket ok?

I currently have 33k in VSMGX, is it really a bad thing if I plan to be invested in this fund while in the 12% bracket? It's not ideal, but it's not terrible. Just don't buy any more. Set it up so all VSMGX dividends are sent somewhere else. I would like to put up to 50k into this account, is this ...
by Duckie
Sun Jul 29, 2018 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: New and portfolio help please. Thanks!
Replies: 13
Views: 1448

Re: New and portfolio help please. Thanks!

So basically from what I can tell, your suggestions are funds with pretty much the lowest expense ratio with your knowledge of their performance. Exactly. What about my funds that are not in 401k or 403b's? Vanguard?? Roth funds??? You have: 20% in taxable. The three mutual funds are expensive. Whi...
by Duckie
Sat Jul 28, 2018 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: Roth Fund Placement
Replies: 5
Views: 636

Re: Roth Fund Placement

It's my understanding that if I sell the assets currently in my Roth account that this is not considered a taxable event. Please confirm. Correct. It's also my understanding that I should shoot for the most aggressive growth in my Roth, since the funds will grow tax free. I've read that this should...
by Duckie
Sat Jul 28, 2018 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: Old age investing--Seeking advice
Replies: 23
Views: 2933

Re: Old age investing--Seeking advice

I have three small traditional IRAs: Wellington Fund with Vanguard; MFS Total Return with Merrill Edge; Fidelity Adv Floating with Merrill Edge. If I transfer all of them to Vanguard, can I combine the three IRAs into a single IRA, or do they have to remain separate, since they were set up separate...