Search found 439 matches

by gostars
Thu Aug 30, 2018 1:10 am
Forum: Personal Investments
Topic: Portfolio Allocation for her 401K Plan: Help needed to re-evaluate
Replies: 6
Views: 750

Re: Portfolio Allocation for her 401K Plan: Help needed to re-evaluate

Most of the options are poor and I would not use them. VINIX/VSCIX at 80/20 will approximate total stock market, and those are good funds that I would use. Since many plans require that a minimum amount be kept in "core" funds in order to use the brokerage, these are the ones to keep. For bonds, MWT...
by gostars
Thu Aug 30, 2018 12:45 am
Forum: Personal Investments
Topic: Rearranging portfolio to be more simple - should I go with the Fidelity ZERO funds?
Replies: 10
Views: 1906

Re: Rearranging portfolio to be more simple - should I go with the Fidelity ZERO funds?

I'd probably skip the bond fund in the Roth, because (1) in low 6 figures you probably don't have enough for Admiral shares at that percentage, and (2) the higher 403b contributions will balance it out soon enough. Might as well just go 100% stock. If anything, I'd move the Roth to Fidelity and put ...
by gostars
Thu Aug 30, 2018 12:15 am
Forum: Personal Investments
Topic: CASH option with Etrade?
Replies: 2
Views: 580

Re: CASH option with Etrade?

I think I mentioned this in one of the 27 other threads you started, but the answer is that you should not hold cash at E-Trade. You can get 2% right now without even trying very hard.
by gostars
Wed Aug 29, 2018 11:50 pm
Forum: Personal Investments
Topic: Advice for next steps
Replies: 6
Views: 852

Re: Advice for next steps

Many government jobs have access to both 403b and 457b plans, which each have their own separate contribution limits. Investing in a 403b may be preferable to taxable, especially since the 457b money is available penalty-free any time after separation from the employer, meaning that even if you plan...
by gostars
Wed Aug 29, 2018 11:02 pm
Forum: Personal Investments
Topic: how to find 401k fees
Replies: 16
Views: 1720

Re: how to find 401k fees

Plan documents are intentionally vague. Our company directly pays roughly $3000 per year in recordkeeeping and administration fees for 22 people to a large provider. Additionally, each fund has 12b-1 and other fees totaling approx 0.70% going to ADP. Over the course of the year if the plan averaged...
by gostars
Wed Aug 29, 2018 10:52 pm
Forum: Investing - Theory, News & General
Topic: Expense ratios and fees - Fidelity and flip flopping advice
Replies: 61
Views: 4810

Re: Expense ratios and fees - Fidelity and flip flopping advice

neveragain wrote:
Wed Aug 29, 2018 9:29 pm
I'm slowly getting rid of FUSVX because of the junk bonds in it.
Think you mixed up the tickers there, FUSVX is S&P 500.
by gostars
Wed Aug 29, 2018 10:09 pm
Forum: Personal Investments
Topic: Schwab ETF or Vanguard Mutual Funds (Taxable Account) ?
Replies: 22
Views: 2306

Re: Schwab ETF or Vanguard Mutual Funds (Taxable Account) ?

I believe holding Vanguard emerging market and small cap funds would overweight emerging small caps, since both include them. I think the best approximation of TISM that uses SCHF would be something like 70/20/10 SCHF/VWO/SCHC, since SCHF and SCHC are developed market only, while VWO is all caps of ...
by gostars
Wed Aug 29, 2018 12:45 am
Forum: Personal Investments
Topic: Help choose what to invest in 403B
Replies: 7
Views: 507

Re: Help choose what to invest in 403B

+1 for Target Retirement. The only others that look reasonable are the 3 Vanguard index funds and maybe the fixed value fund if it's returning a good rate.
by gostars
Wed Aug 29, 2018 12:34 am
Forum: Personal Investments
Topic: Debating Reallocation of 401K - Overdue for change or stay the course?
Replies: 15
Views: 1386

Re: Debating Reallocation of 401K - Overdue for change or stay the course?

I would only leave a target date fund in the Roth if I was also using a target date fund in the 401k. If I'm doing the work to slice and dice, then I'm going 100% VTSAX (or VTSMX, if there isn't $10k there) in the Roth, and allocating the rest in the 401k as needed to hit the overall percentages.
by gostars
Wed Aug 29, 2018 12:17 am
Forum: Personal Investments
Topic: Debating Reallocation of 401K - Overdue for change or stay the course?
Replies: 15
Views: 1386

Re: Debating Reallocation of 401K - Overdue for change or stay the course?

Unless the stable value fund is providing returns similar to or exceeding VBTLX (a little over 3% right now), I wouldn't bother. VBTLX will lose a couple percent in value at times, but over your investment horizon, you'll more than make up for the slight dips it has thanks to the higher returns. A t...
by gostars
Tue Aug 28, 2018 11:47 pm
Forum: Investing - Theory, News & General
Topic: Investing in Vanguard funds via Fidelity
Replies: 40
Views: 8697

Re: Investing in Vanguard funds via Fidelity

This topic interests me, as I am considering investing in Vanguard's VTI (Vanguard Total Stock Market) ETF through my Fidelity account. Many people suggest to only invest in Vanguard at Vanguard, and I totally get that. But I don't think I want ITOT, and I've heard bad things about Vanguard's custo...
by gostars
Tue Aug 28, 2018 11:23 pm
Forum: Investing - Theory, News & General
Topic: Most commonly misused/misunderstood investing terms and concepts (on BH forum)
Replies: 220
Views: 13153

Re: Most commonly misused/misunderstood investing terms and concepts (on BH forum)

UpperNwGuy wrote:
Tue Aug 28, 2018 6:07 pm
— Fidelity can’t be trusted because it is a for-profit corporation
Vanguard's structure makes them better than everyone else :twisted:
by gostars
Tue Aug 28, 2018 11:14 pm
Forum: Personal Investments
Topic: Schwab ETF or Vanguard Mutual Funds (Taxable Account) ?
Replies: 22
Views: 2306

Re: Schwab ETF or Vanguard Mutual Funds (Taxable Account) ?

I would rate Schwab as having the best website. M-E I think comes in second, with an edge over Fidelity because I can usually find what I'm looking for without spending much time on it. Fidelity I have to rely on the search way too much to find things other than buying/selling and transferring cash....
by gostars
Tue Aug 28, 2018 12:30 am
Forum: Personal Investments
Topic: Schwab ETF or Vanguard Mutual Funds (Taxable Account) ?
Replies: 22
Views: 2306

Re: Schwab ETF or Vanguard Mutual Funds (Taxable Account) ?

Right now, Schwab would be my 4th choice for taxable investing, after Merrill Edge, Vanguard, and Fidelity. The only real advantage Schwab has over Vanguard is a better website. Fidelity also has a better website, and the range of iShares ETFs they offer is better than what Schwab has. Vanguard now ...
by gostars
Tue Aug 28, 2018 12:06 am
Forum: Personal Investments
Topic: Debating Reallocation of 401K - Overdue for change or stay the course?
Replies: 15
Views: 1386

Re: Debating Reallocation of 401K - Overdue for change or stay the course?

One option would be to go with a three-fund portfolio using these funds: VBTLX Vanguard Total Bond Market Index ER 0.05% VTSAX Vanguard Total Stock Market Index Fund ER 0.04% VTIAX Vanguard Total International Stock Index Fund ER 0.11% Another would to pick Target Retirement fund that meets your des...
by gostars
Mon Aug 27, 2018 11:48 pm
Forum: Personal Investments
Topic: Fidelity Duplicate Funds Now That There Are No Minimums
Replies: 33
Views: 3044

Re: Fidelity Duplicate Funds Now That There Are No Minimums

Does this mean that Fidelity will eliminate the fee that it charges on a set date each year if on that date your balance is less than $10,000 in a Premium account or $2,500 (or was it $3,000) in an Investor Account? I had been meaning to reallocate some funds but didn't want to drop below a certain...
by gostars
Mon Aug 27, 2018 11:33 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2037
Views: 351737

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

The one place I had trouble with basis was doing a VG MF to ETF conversion prior to a transfer. I called VG and complained, fixed in 2 days or so. I asked for 2 MFs to be converted to ETFs, and one converted properly. The other used the cost basis from the 1st MF to ETF conversion !! I think some p...
by gostars
Mon Aug 27, 2018 11:28 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Zero ER Funds are underperforming their equivalent premium class index funds
Replies: 62
Views: 10114

Re: Fidelity Zero ER Funds are underperforming their equivalent premium class index funds

The Zero index funds work by using income from loaning out the stocks to pay the fund expenses. I don't think there's much of a market for loaning bonds. thank you. that does make sense and probably explains it. Actually, the ZERO funds don't use securities lending to offset the fund expenses. Howe...
by gostars
Sun Aug 26, 2018 11:51 pm
Forum: Personal Investments
Topic: Starting Step #5 of implementing my 3 fund approach and have a question on an old 401k
Replies: 5
Views: 648

Re: Starting Step #5 of implementing my 3 fund approach and have a question on an old 401k

The 3 index funds in the old 401k appear to be great options, so I would have no concerns with leaving it there. The International is probably an EAFE or developed markets fund, US Large is probably S&P 500, and US Bond is probably aggregate bond. The prospectus for each should confirm that. They're...
by gostars
Sun Aug 26, 2018 10:51 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Zero ER Funds are underperforming their equivalent premium class index funds
Replies: 62
Views: 10114

Re: Fidelity Zero ER Funds are underperforming their equivalent premium class index funds

The Zero index funds work by using income from loaning out the stocks to pay the fund expenses. I don't think there's much of a market for loaning bonds.
by gostars
Sun Aug 26, 2018 10:27 pm
Forum: Personal Investments
Topic: 25 Year Old - Vanguard Trad IRA - Need Advice!!
Replies: 10
Views: 976

Re: 25 Year Old - Vanguard Trad IRA - Need Advice!!

Yes, the ETFs are still a good option in your situation. In that bracket, assuming you're filing single, then a traditional IRA is likely better. Just remember that if you change jobs and are covered by a workplace plan for even a single day of the year, you would then be over the limit to claim a d...
by gostars
Sat Aug 25, 2018 11:24 pm
Forum: Personal Investments
Topic: Investing in the new commission free etf's?
Replies: 1
Views: 360

Re: Investing in the new commission free etf's?

There's no need to switch if you like what you have. Some people like to adjust their holdings to tilt in favor of certain things, but it's not for everyone. In a Roth IRA, IJS is the big one to look at for those looking to tilt their holdings towards small value stocks. IXUS is primarily used as a ...
by gostars
Sat Aug 25, 2018 11:06 pm
Forum: Personal Investments
Topic: Best Fidelity or ishares ETF for Roth IRA
Replies: 13
Views: 1928

Re: Best Fidelity or ishares ETF for Roth IRA

I use the iShares ETFs in taxable accounts to avoid the capital gains distributions present in the mutual funds. I use mutual funds in IRAs due to their simplicity and the new lowered expense ratios. For someone under age 25, I would invest in 100% equities, probably like 70% FSKAX/FZROX (total US s...
by gostars
Sat Aug 25, 2018 10:57 pm
Forum: Personal Investments
Topic: Move some over to Fidelity ZERO ?
Replies: 23
Views: 2069

Re: Move some over to Fidelity ZERO ?

Note that you do have an option in between, you can invest in Fidelity's Total International Index (FTIHX) at .06% ER. Still beats Vanguard, but maintains small caps. Or go 50/50 FTIHX/FZILX and end up at an average .03% ER and compare the two as you go to see which ends up ahead years down the road.
by gostars
Sat Aug 25, 2018 10:49 pm
Forum: Personal Consumer Issues
Topic: using I-Pass (or E-ZPass) in Orlando area
Replies: 11
Views: 944

Re: using I-Pass in Orlando area

Not sure on the pricing. A lot of agencies will let you order a sticker tag online that they'll mail to you for free, just charging an initial $20 deposit that will go entirely towards tolls as you encounter them. Once you get your rental, affix the sticker and log in to their website on your phone ...
by gostars
Sat Aug 25, 2018 10:00 pm
Forum: Investing - Theory, News & General
Topic: What non-Vanguard ETFs will you be looking to buy?
Replies: 62
Views: 7867

Re: What non-Vanguard ETFs will you be looking to buy?

I'm going with VIOV (Vanguard S&P 600 Value). Similar to IJS. It's unfortunate how little attention VIOV gets compared to IJS. VIOV could be a great option if more people traded it. Both track the same index and VIOV has a 20% lower ER (.20 vs. .25), but IJS gets like 15x the volume. VIOV has so li...
by gostars
Sat Aug 25, 2018 9:43 pm
Forum: Personal Consumer Issues
Topic: using I-Pass (or E-ZPass) in Orlando area
Replies: 11
Views: 944

Re: using I-Pass in Orlando area

Unfortunately, that was from the 2011 meeting, and it never happened. The issue is that E-ZPass was outdated technology a decade ago and no one outside of the northeast is interested in implementing that junk when better, cheaper technologies exist. Also, at least in the past, the licensing agreemen...
by gostars
Sat Aug 25, 2018 7:31 pm
Forum: Personal Consumer Issues
Topic: using I-Pass (or E-ZPass) in Orlando area
Replies: 11
Views: 944

Re: using I-Pass in Orlando area

E-ZPass only works on about half the toll roads in Orlando (map). It doesn't work on anything in the rest of the state. Best to pick up a SunPass for full compatibility.
by gostars
Sat Aug 25, 2018 7:13 pm
Forum: Personal Consumer Issues
Topic: When do you replace a working desktop computer?
Replies: 27
Views: 2261

Re: When do you replace a working desktop computer?

On the Apple side, once it stops running a supported OS. Apple provides security updates for the current macOS version plus the previous 2. With Mojave set to be released in the next 45 days, that means El Capitan has likely received its last update, and anything that isn't supported by Sierra shoul...
by gostars
Sat Aug 25, 2018 1:46 am
Forum: Personal Investments
Topic: Fidelity index funds
Replies: 17
Views: 3641

Re: Fidelity index funds

I would recommend reviewing the Fidelity wiki article , since some guy (me) put a lot of work into updating it to account for all the changes Fidelity made this month :D. Likely targets are the total stock market funds FSKAX or FZROX, the total international fund FTIHX, the real estate fund FSRNX, t...
by gostars
Sat Aug 25, 2018 1:02 am
Forum: Personal Investments
Topic: S&P500, Russell 2000, and Total Bond Market %
Replies: 7
Views: 915

Re: S&P500, Russell 2000, and Total Bond Market %

Total stock market can be roughly approximated by about 82% S&P 500 and 18% Russell 2000. There are some minor differences, but even 80/20 is close enough. Your bond allocation is totally separate and would depend on your age and what your overall portfolio looks like. I understand the sentiment of ...
by gostars
Fri Aug 24, 2018 11:54 pm
Forum: Personal Consumer Issues
Topic: Is SSD PCIe storage suitable for a database?
Replies: 15
Views: 1139

Re: Is SSD PCIe storage suitable for a database?

Agreeing with prior posters, the specific technology of the storage is not the essential point. The essential point is maintaining backup discipline, including on-site and off-site backups. Once in a department where I worked the tech support person presented the middle manager with two options: bu...
by gostars
Fri Aug 24, 2018 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: Taking a job at a startup without a 401k
Replies: 23
Views: 2100

Re: Taking a job at a startup without a 401k

I wouldn't hold it too much against the job, but if I took the job I would be pushing company leadership hard to start a 401k plan for the benefit of everyone. Employees and owners benefit from being able to increase tax-advantaged space for retirement, the business gets to deduct employer contribut...
by gostars
Fri Aug 24, 2018 10:24 pm
Forum: Investing - Theory, News & General
Topic: Which bond index fund best in taxable acct?
Replies: 22
Views: 2855

Re: Which bond index fund best in taxable acct?

$445k total portfolio, 20% desired in bonds. What I would do: 457 - $145k $89k - VBTIX $56k - whatever good US fund is available in the 457 (VTSAX or other total stock market if available, or whatever S&P 500 fund it has if no TSM) Taxable - $300k $111k - VTIAX $189k - VTSAX That gives you your 20% ...
by gostars
Fri Aug 24, 2018 4:09 pm
Forum: Personal Investments
Topic: New Beginner - Basic Help Requested
Replies: 7
Views: 916

Re: New Beginner - Basic Help Requested

10% bonds is a good place to be at age 24. My rule is between age minus 10 and age minus 20 in bonds, so you're about in the middle, and can leave it there and adjust as you get closer to 30. G fund is kind of a hybrid of bonds and money markets. Like a money market, it can't lose principal, but it ...
by gostars
Fri Aug 24, 2018 2:46 pm
Forum: Personal Investments
Topic: Rebalance my 401K or leave it as it is?
Replies: 7
Views: 838

Re: Rebalance my 401K or leave it as it is?

Going 100% into a target date fund is also a valid option. You'll pay a tiny bit more in fees, but you also don't have to worry about rebalancing. The target date funds offered in your plan are lower cost than most, and if you just want to let things grow without thinking about it, then one would be...
by gostars
Fri Aug 24, 2018 2:49 am
Forum: Personal Consumer Issues
Topic: Best way to get Skype or Facetime on a TV?
Replies: 24
Views: 10899

Re: Best way to get Skype or Facetime on a TV?

Unfortunately, since Microsoft bought Skype and systematically shut down all the alternative clients and made their own client worse (typical Microsoft), there aren't a lot of good options for it on a TV. Some Android TV boxes support USB webcams, and that's a cheaper option than an Xbox One, but th...
by gostars
Fri Aug 24, 2018 2:11 am
Forum: Personal Finance (Not Investing)
Topic: How amend my tax return for a 2017 IRA rollover
Replies: 11
Views: 633

Re: How amend my tax return for a 2017 IRA rollover

You did do that, you just didn't tell the IRS you did it. They like to know such things so they can keep track of the money. You're writing the note to tell them that attaching the extra form is the only reason for the change, so they understand why columns B and C are blank.
by gostars
Thu Aug 23, 2018 11:40 pm
Forum: Personal Investments
Topic: buying Fidelity funds in a Vanguard account for purposes of tax loss harvesting
Replies: 23
Views: 1562

Re: buying Fidelity funds in a Vanguard account for purposes of tax loss harvesting

IEMG has an average daily volume of 9.7 million, SPEM is like 380k. IEMG is likely to have a much lower spread and better liquidity, which can be important if you're buying a lot of shares.
by gostars
Thu Aug 23, 2018 11:24 pm
Forum: Personal Investments
Topic: Rebalance my 401K or leave it as it is?
Replies: 7
Views: 838

Re: Rebalance my 401K or leave it as it is?

If your 401k is your entire portfolio, then it's simple to create a three-fund portfolio with what you have there. At 31, I would probably go 60% VTSAX, 25% VTIAX, and 15% VBTLX. I would not be concerned at all about where the markets are now, because almost everything you have is a stock fund and h...
by gostars
Thu Aug 23, 2018 11:00 pm
Forum: Personal Investments
Topic: Setting up a new 401k as an employer - costs
Replies: 8
Views: 588

Re: Setting up a new 401k as an employer - costs

My employer started a plan with Guideline a while ago. It's not without its annoying quirks, but it's got the lowest costs for small companies, a great fund selection, and integrates with a variety of payroll programs, so it's fairly simple to deal with on the backend. There are places it could impr...
by gostars
Thu Aug 23, 2018 10:31 pm
Forum: Personal Investments
Topic: Help with 403b, Roth 401(k), and Transfer of Roth IRAs & Personal Fund from T. Rowe Price to Vanguard
Replies: 12
Views: 744

Re: Help with 403b, Roth 401(k), and Transfer of Roth IRAs & Personal Fund from T. Rowe Price to Vanguard

Curious what the interest rates on are on the loans. If they're very high (6%+) then you may actually be better off paying them off early instead of making unmatched contributions to the 401k/403b plans. Paying off a loan is basically giving yourself a guaranteed return of that %. You're not going t...
by gostars
Thu Aug 23, 2018 10:15 pm
Forum: Personal Investments
Topic: 25 Year Old - Vanguard Trad IRA - Need Advice!!
Replies: 10
Views: 976

Re: 25 Year Old - Vanguard Trad IRA - Need Advice!!

The points about holding money in other types of accounts are good ones. Traditional deductible IRAs do not make sense for most investors who have access to a workplace retirement plan. The income limit for deductions on a TIRA when a workplace plan is available is fairly close to the top of the 22%...
by gostars
Thu Aug 23, 2018 9:30 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2037
Views: 351737

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

TDA classifies it as a transfer fee, not an account closure fee, per https://www.tdameritrade.com/pricing/br ... -fees.page.

If you leave anything behind, TDA considers that partial. That can include nonmarketable shares that haven't been removed yet.
by gostars
Thu Aug 23, 2018 9:21 pm
Forum: Investing - Theory, News & General
Topic: Can pension plan transfer to new 401k
Replies: 6
Views: 823

Re: Can pension plan transfer to new 401k

417e contains some IRS rules for the distribution of a pension. So, something you might expect to see, but it doesn't necessarily tell you anything about the plan.
by gostars
Wed Aug 22, 2018 11:24 pm
Forum: Investing - Theory, News & General
Topic: Can pension plan transfer to new 401k
Replies: 6
Views: 823

Re: Can pension plan transfer to new 401k

A 457b is not a pension plan, it's a kind of retirement plan similar to a 401k, except limited to government employees (including city, county, and state, and the various things they run like public hospitals and universities) for governmental plans, or highly-compensated employees at non-profit emp...
by gostars
Wed Aug 22, 2018 10:37 pm
Forum: Investing - Theory, News & General
Topic: Any issue with not holding mid caps?
Replies: 50
Views: 4508

Re: Any issue with not holding mid caps?

I think it depends on which small-cap fund you're using. Vanguard's main small-cap fund (NAESX/VSMAX/VB) isn't very small at all, and probably includes enough mid-cap coverage that it might not be worth the effortg. The M* chart looks like this: 0 0 0 19 19 26 13 12 11 If you're using a narrower sma...
by gostars
Wed Aug 22, 2018 9:51 pm
Forum: Investing - Theory, News & General
Topic: math wizards - need help to calc cost of dumping high ER funds with cap gains
Replies: 6
Views: 605

Re: math wizards - need help to calc cost of dumping high ER funds with cap gains

Don't forget to also include the tax cost of any capital gains distributed by the high-ER fund. If it's actively managed, then odds are it's kicking out a bunch of them each year, while an index ETF or Vanguard mutual fund wouldn't be distributing any.