Search found 314 matches

by Jim180
Sat Jun 29, 2013 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: Question about yield in Bond Funds
Replies: 32
Views: 2244

Question about yield in Bond Funds

Suppose a person owns a bond fund that has a duration of 3.0. That fund then declines 3% in NAV. About how much of a "lag" time is there before a person would see the expected 1% increase in yield?
by Jim180
Sat Jun 29, 2013 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: What would you do with an inherited IRA annuity
Replies: 4
Views: 949

Re: What would you do with an inherited IRA annuity

Follow the advice from your friends and see a Fee-only advisor.
by Jim180
Sat Jun 29, 2013 11:20 am
Forum: Investing - Help with Personal Investments
Topic: Converting Traditional IRAs to Roths
Replies: 11
Views: 985

Re: Converting Traditional IRAs to Roths

I would say no to switching from Traditional to Roth at your age. If you have a large amount in that Traditional and move it at once you will put yourself in a tax bracket higher than 25% Federal, so that move could cost you perhaps 1/3 or more of that money. If you were younger it would probably ma...
by Jim180
Sat Jun 29, 2013 10:34 am
Forum: Investing - Help with Personal Investments
Topic: SIPC $500K Coverage
Replies: 9
Views: 1055

Re: SIPC $500K Coverage

Jim180, remember that if you have two different accounts with the same firm, each one is covered up to $500k. For example, if you have a brokerage account and an IRA with the same place, each one is covered up to $500k rather than combining the value of the two then subjecting that total to $500k. ...
by Jim180
Fri Jun 28, 2013 7:16 pm
Forum: Investing - Help with Personal Investments
Topic: SIPC $500K Coverage
Replies: 9
Views: 1055

SIPC $500K Coverage

I'm thinking of moving greater than $500K to a large investment firm. Large firms such as Vanguard, Fidelity and Schwab claim they have additional coverage from Lloyd's of London, so I've been told by them everything should be fine. ( Of course what else would they say?) I have a two part question. ...
by Jim180
Fri Jun 28, 2013 3:45 pm
Forum: Investing - Help with Personal Investments
Topic: Easy 50 50 AA
Replies: 1
Views: 508

Re: Easy 50 50 AA

The 2 Life Strategy Funds are:
LifeStrategy Conservative Growth and LifeStrategy Moderate Growth. That gives you your 50-50 mix.
by Jim180
Fri Jun 28, 2013 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard funds in different places
Replies: 5
Views: 1032

Re: Vanguard funds in different places

Those Vanguard Funds you can't seem to find are institutional shares. Those are available through Transamerica, but you cannot purchase them yourself. The advantage of those funds are that the expenses are even lower than you could get through Vanguard. (Assuming that Transamerica doesn't charge you...
by Jim180
Fri Jun 28, 2013 2:03 pm
Forum: Investing - Help with Personal Investments
Topic: Ameriprise + steps to transfer to Vanguard
Replies: 14
Views: 2032

Re: Ameriprise + steps to transfer to Vanguard

I think your advisor only explained one of the fees to you. Ask the advisor about the following fees: 1. Mortality Expenses (M&E) 2. Administrative expenses 3. Annual expense ratio of the portfolio (I think this was the one he gave you) 4. Expenses of any additional riders you may have purchased...
by Jim180
Thu Jun 27, 2013 11:04 pm
Forum: Investing - Help with Personal Investments
Topic: Ameriprise + steps to transfer to Vanguard
Replies: 14
Views: 2032

Re: Ameriprise + steps to transfer to Vanguard

The first thing you need to do is find out what the annual fee is on that annuity. Then find out what the surrender penalty is. Vanguard has a very low cost annuity you might want to get into. What you save in fees would most likely make up for the surrender penalty over the long term. If you decide...
by Jim180
Thu Jun 27, 2013 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: When to exchange a myriad of funds for total stock index?
Replies: 18
Views: 1439

Re: When to exchange a myriad of funds for total stock index

If those 10 funds were already in the Stock Market you are simply making a "sideways" move. Therefore you can go ahead and put the money into those Vanguard Funds right away.
by Jim180
Thu Jun 27, 2013 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: When does Professional Guidance Pay Off?
Replies: 11
Views: 1247

Re: When does Professional Guidance Pays Off?

I did some math and can say now with certainty that it is your gold ETF that caused your underperformance. Gold has been down about -25% YTD. 25% of your 4% holding= 1% So your gold ETF has taken about 1% off your portfolio. The numbers you gave show that you are underperforming by guess what? 1%! S...
by Jim180
Thu Jun 27, 2013 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: When does Professional Guidance Pay Off?
Replies: 11
Views: 1247

Re: When does Professional Guidance Pays Off?

I think you may have a few things in your portfolio that are not in the benchmarks you mentioned. You may also be more heavily weighted in some areas than the benchmarks. Some of the holdings you mentioned were gold. Yes, I know it's only 4% but it does drag you down a little. You mention TIPS. The ...
by Jim180
Wed Jun 26, 2013 10:19 pm
Forum: Investing - Help with Personal Investments
Topic: GNMA Funds
Replies: 67
Views: 5947

Re: GNMA Funds

I will say this. When rates are rising there are fewer mortgage prepayments so the duration of GNMA funds has a tendency to increase. For example last year the Vanguard GNMA fund had a duration in the 3-4 range. Right now that fund has a duration of 5. Your decision comes down to risk tolerance and ...
by Jim180
Wed Jun 26, 2013 10:03 pm
Forum: Investing - Help with Personal Investments
Topic: GNMA Funds
Replies: 67
Views: 5947

Re: GNMA Funds

joe8d wrote:Interesting, Bob Brinker for years would recommend GNMA as the ultimate bond fund.Now he never mentions it.


Brinker still has them in his Balanced portfolio, and also his Income portfolio. Brinker talks about GNMA's when they are doing well but never mentions them when they are going down.