Search found 5384 matches

by SpringMan
Mon Apr 09, 2007 4:00 pm
Forum: Investing - Theory, News & General
Topic: Combine Fidelity into Vanguard?
Replies: 21
Views: 7413

Vanguard charges $30 to sell any mutual fund that is not NTF at Vanguard. Dodge and Cox and Artisan fall into the $30 category. You can check this under Research Funds and Stocks, Other Fund Families tab on VGs website. You should transfer "in kind" to avoid a taxable event in a taxable account. The...
by SpringMan
Sun Apr 08, 2007 5:52 pm
Forum: Personal Investments
Topic: REITs and Asset Class
Replies: 16
Views: 4476

Larry, thanks for your reply. I will just hang on to RWX and EGLRX in my IRA for now. If it is a tough call for you, it may be one of those situations where not to decide, is to decide. Going to stay the course.
Best,
by SpringMan
Sun Apr 08, 2007 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: CNBC vs Bloomberg
Replies: 2
Views: 1670

Cast my vote for CNBC. Being retired I usually have it on while sitting a my computer. Some would call it financial porn but it is better than the soap operas. Agree with charles, above.
Best,
by SpringMan
Sun Apr 08, 2007 1:29 pm
Forum: Personal Investments
Topic: REITs and Asset Class
Replies: 16
Views: 4476

International REIT?

Regarding foreign REITs in a taxed advantaged account, is a problem having ETF RWX with an expense ratio of .6? I already own it, would it be a good idea to sell? I have owned EGLRX (Alpine's international RE) for a long time too. Its expense ratio is higher at 1.1%. Would a sale be in order? Togeth...
by SpringMan
Sun Apr 08, 2007 11:15 am
Forum: Personal Investments
Topic: Yet More ETF Questions(VTI and VWO vs. mutual funds))
Replies: 7
Views: 2369

VBS fees

Wow, if Vanguard charges $50 to convert a fund to an ETF, it might be better to sell the fund and buy the ETF. I guess converting to an ETF might not be a taxable event, where as selling and buying would be? Frankly, I find VBS trading fees on the high side. I am so called Voyager status and it seem...
by SpringMan
Sat Apr 07, 2007 9:13 am
Forum: Personal Investments
Topic: Emergency Fund Location
Replies: 15
Views: 5264

What if the stock market is way down when the emergency fund needs to be tapped into? Using TSM for emergency dollars would require selling at the wrong time. I do see your point that you could just buy back TSM in your IRA. Money market or tax exempt money market, depending on you tax rate seems a ...
by SpringMan
Sat Apr 07, 2007 8:49 am
Forum: Personal Finance (Not Investing)
Topic: I've decided to go paperless
Replies: 80
Views: 36454

I use jpeg files. I don't have Adobe PDF writer option with my scanner. We inherited boxes and boxes of family photos from both my wife's and my parents. I tried to scan and organize them, a formidable task. We use Thumbs Plus software to manage the images (www.cerious.com). Ended up only scanning p...
by SpringMan
Thu Apr 05, 2007 4:06 pm
Forum: Personal Investments
Topic: Rollover IRA to ROTH conversion question
Replies: 3
Views: 1633

Can you have the after tax part distributed to you in cash? If you only rollover the pre tax part things will be simpler down the road. Don't know if you have that option. If not, it will be good to hear from others on how to handle it. It is a good question.
Good Luck,
by SpringMan
Thu Apr 05, 2007 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: SUZE ORMAN
Replies: 5
Views: 3027

The PBS show was different than her weekly CNBC show. She is trying to help women in the PBS special. I think her latest book is on that topic. I like Suze and have watched her CNBC shows in the past. I would not call her a diehard. She does not like bond funds. She prefers that people own the indiv...
by SpringMan
Wed Apr 04, 2007 1:54 pm
Forum: Investing - Theory, News & General
Topic: Value Index (VIVAX) tax efficiency?
Replies: 12
Views: 3394

Thanks Laura. I think all of your points are very good advice. Explanation of some of my reasoning follows: The reason we don't fund the Roths fully in January is since only my wife has earned income, if she were to lose her job before earning the necessary 10K for our Roths, we would need to rechar...
by SpringMan
Wed Apr 04, 2007 9:34 am
Forum: Investing - Theory, News & General
Topic: Value Index (VIVAX) tax efficiency?
Replies: 12
Views: 3394

ugly portfolio

Laura, Thanks for your advice. I do have a question regarding consolidating taxable accounts. Would not this cause tax consequences? I don't know if they can be moved "in kind", maybe some can. If they could be moved "in kind", the capital gains tracking information would be left behind. I could cap...
by SpringMan
Wed Apr 04, 2007 5:42 am
Forum: Investing - Theory, News & General
Topic: Value Index (VIVAX) tax efficiency?
Replies: 12
Views: 3394

why so many funds

Laura, Why so many funds? I know there are too many funds. Having 10 accounts is part of the problem. I could combine my Fido and VG rollover IRAs to reduce number of accounts by 1 and then combine the funds. Plan to do this eventually. However, my proposed change would actually reduce the number of...
by SpringMan
Tue Apr 03, 2007 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: what is your job/occupation?
Replies: 84
Views: 45537

Retired for two years now. Formerly a software developer at GM 15yrs, EDS 15yrs, and Compuware 6yrs.
by SpringMan
Tue Apr 03, 2007 7:41 pm
Forum: Investing - Theory, News & General
Topic: Value Index (VIVAX) tax efficiency?
Replies: 12
Views: 3394

Thanks mikenz, sounds like the turn over is in the acceptable range for VIVAX. It has higher dividends than say the S&P500 or Total Market but that may not necessarily be a bad. VIVAX's performance, especially bear market performance seems a plus. I am not currently using this account for living exp...
by SpringMan
Tue Apr 03, 2007 7:27 pm
Forum: Personal Investments
Topic: Investment grade, treasury or index bond fund
Replies: 6
Views: 1987

I chose intermediate investment grade (VFIDX) for these reasons. It is a managed fund with .10 expense ratio. The index funds have .11. Granted 1 basis point makes little difference. Treasury bonds can be purchased for free (new issues), corp bonds can not, so why pay an on going expense for them. I...
by SpringMan
Tue Apr 03, 2007 4:04 pm
Forum: Investing - Theory, News & General
Topic: Value Index (VIVAX) tax efficiency?
Replies: 12
Views: 3394

More information

More information, here is the complete portfolio: Myself - Fidelity Roth IRA DLS (Wisdomtree Intl Smallcap Div) - 1.0% FAGIX (Fid Capital & Income) - 3.6% FSTMX (Fid Spartan Total Mkt Idx) - 1.2% VNQ (Vanguard REIT ETF) - 0.9% VWO (Vanguard Emerging Mkts ETF) - 0.8% Myself - Fidelity Rollover IRA BR...
by SpringMan
Tue Apr 03, 2007 3:26 pm
Forum: Investing - Theory, News & General
Topic: Value Index (VIVAX) tax efficiency?
Replies: 12
Views: 3394

Value Index (VIVAX) tax efficiency?

Does anyone hold VIVAX or etf VTV in a taxable account? I want to add a value tilt. Lipper rates it as a 2, 1 being best, 5 being worst. This is the same rating as total stock market (FSTMX), total international (FSIIX), and extended market (FSEMX). I have read small value is not best in taxable. Co...
by SpringMan
Tue Apr 03, 2007 12:01 pm
Forum: Personal Investments
Topic: Advice on possible switch to Vanguard
Replies: 8
Views: 3744

The Roth IRAs can be moved to Vanguard. Vanguard has forms on their website but I would contact Vanguard to have them walk you through the process. It would a good idea in my opinion. I beleive the 403b accounts are like 401Ks in that you must leave your employer to be allowed to transfer them to an...
by SpringMan
Tue Apr 03, 2007 11:41 am
Forum: Investing - Theory, News & General
Topic: What are the Admiral Shares at Vanguard?
Replies: 8
Views: 2632

Expense ratio of admiral shares can be matched by ETFs

Vanguard ETFs have similar expense ratios to their corresponding admiral shares. Advantage of the ETFs are you don't need 50k or 100k and they can be purchased at any brokerage. Cons are brokerage fee paid to buy and sell and therefor not for ideal dollar cost averaging. ETFs have all the features o...
by SpringMan
Tue Apr 03, 2007 7:19 am
Forum: Personal Finance (Not Investing)
Topic: LDS Diehards?
Replies: 21
Views: 8692

Just curious, what does LDS stand for? First thought was a typo for LSD. The late Timothy Leary most likely was not a diehard with his mantra to tune in, turn on and drop out. Surprisingly many of the folks I knew in the 60s that experimented with LSD became very rich capitalists later in life, some...
by SpringMan
Sun Apr 01, 2007 10:10 am
Forum: Personal Investments
Topic: Why not just put all non-retiremn $$ in a LifeStrategy fund?
Replies: 12
Views: 4586

No admiral shares available

Another argument against the lifestyle funds is that no admiral shares are available, even if you could otherwise qualify for them. After having a fund 10 years, it only takes 50K to have it qualify for admiral share status. Otherwise, I think the lifestyle funds are fine for tax advantaged accounts...
by SpringMan
Fri Mar 30, 2007 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Morningstar Banner Ad Virus - Caution
Replies: 38
Views: 20069

Spybot Search and Destroy

For those without Norton antivirus, the free download Spybot Search and Destroy fixed the problem on my computer. I don't use Norton antivirus, instead I use AVG (free). AVG did not catch the problem. Spybot found and fixed several other malware/adware problems as well.
by SpringMan
Fri Mar 30, 2007 1:54 pm
Forum: Investing - Theory, News & General
Topic: Morningstar Premium?
Replies: 22
Views: 8619

gaspee1979,
Many M* useful features, like saving portfolios so you don't have to key them in each time for x-ray, are available at T Rowe Price's website. You must register by creating a login ID and password but they don't require you open an account. It is a good free alternative.
Best,
by SpringMan
Fri Mar 30, 2007 8:59 am
Forum: Investing - Theory, News & General
Topic: Low Cost Bond Funds
Replies: 12
Views: 4426

Vanguard bond ETFs are coming

Vanguard will offer ETF versions of four bond funds, Total Bond Index, Short, Intermediate and Long Bond indexes. These are not available right now but should be coming soon. I read the ER will be .11, same as admiral shares, that is better than AGG which is .2. I am waiting, plan to buy some in my ...
by SpringMan
Fri Mar 30, 2007 8:37 am
Forum: Investing - Theory, News & General
Topic: American Century Going Load
Replies: 8
Views: 3364

American Century Going Load

Fund Times: American Century Going Load? By Lawrence Jones | 03-29-07 | 04:09 PM American Century Investment Management is planning to shake up its fund lineup's share class structure, which will result in many more of the funds going toward the load option. According to the firm, the intention is t...
by SpringMan
Wed Mar 28, 2007 7:52 pm
Forum: Personal Investments
Topic: As A Boglehead Convert, should I move my IRA from Fido?
Replies: 8
Views: 2474

Consider Vanguard ETFs from Fidelity

You can slice and dice and stay with Fidelity. Use Vanguard or other ETFs. They are very low cost. You need a Fidelity brokerage account set up if you don't already have one. My brokerage fee is 10.95. It may be slightly more or less depending on size of account and/or frequency of trades. I own Spa...
by SpringMan
Tue Mar 27, 2007 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Plural of index?
Replies: 14
Views: 5619

Plural of index?

Is it indexes or indices? Spell check passes both variations. When I was a database administrator in a previous life, usually they were called indices. In these forums indexes seems to be used. Guess it does not make any difference.
Best,
by SpringMan
Sun Mar 25, 2007 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Any Good Music?
Replies: 69
Views: 33530

Hi all,


Here is a link that has music categorized by year, fun if you like oldies. Works best with broadband.

http://www.tropicalglen.com

Best,
by SpringMan
Sat Mar 24, 2007 10:23 am
Forum: Personal Consumer Issues
Topic: What does your avatar symbolize?
Replies: 160
Views: 73295

My avitar is our 24x20 log cabin in Michigan's upper peninsula. It over looks a geological feature known as the big spring on the topographical maps, hence the handle SpringMan. 8)
by SpringMan
Fri Mar 23, 2007 5:24 pm
Forum: Investing - Theory, News & General
Topic: No need for concern - distributions today on many funds
Replies: 3
Views: 1965

No need for concern - distributions today on many funds

Dividend distributions today on Wellington, Wellesley. Same for Loomis Sayles Bond and Northern Small Cap Value. :wink:
Best
by SpringMan
Thu Mar 22, 2007 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Avatar test
Replies: 68
Views: 38633

testing...
by SpringMan
Wed Mar 21, 2007 3:57 pm
Forum: Personal Investments
Topic: New Member Portfolio Review Request
Replies: 7
Views: 2821

Thanks frose2, I agree that VG Hi Yld Tax Exempt should be replaced with an index equity fund(s) and then swap some equity for bonds in tax advantaged accounts. My tax bracket does not justify VWALX, it made sense previously when I was working. No real reason to hold Wellington and Wellesley other t...
by SpringMan
Wed Mar 21, 2007 2:17 pm
Forum: Personal Investments
Topic: New Member Portfolio Review Request
Replies: 7
Views: 2821

Thanks kcyahoo. I know consolidating IRA accounts would help simplify. We currently have over 50% with Vanguard. By doing so, we would be admiral status and get 12 free trades a year. That would allow for the ETFs. Putting all wifes 401K into stable value makes sense too since we probably should hav...
by SpringMan
Wed Mar 21, 2007 12:13 pm
Forum: Personal Investments
Topic: New Member Portfolio Review Request
Replies: 7
Views: 2821

New Member Portfolio Review Request

Hi Bogleheads, My wife and I have our portfolio spread across about 10 accounts. We are both 59, she still works, I am retired. The portfolio is 60% equities. I know it is overly complicated. 75% is in tax advantaged accounts. Roughly 50% passive, 50% active with an average ER of .36%. All comments ...