Search found 1265 matches

by sometimesinvestor
Thu Mar 09, 2017 8:57 am
Forum: Personal Investments
Topic: New investor with an inherited IRA and income on the rise...help me out!
Replies: 28
Views: 3050

Re: New investor with an inherited IRA and income on the rise...help me out!

Sorry for your loss I think from later posts you are aware that you have to take money out of the account each year with the amount based on life expectancy but what is not clear (I skipped posts) is whether you have taken out enough money in the immediate years that you do not fall into the trap of...
by sometimesinvestor
Mon Mar 06, 2017 6:50 pm
Forum: Personal Investments
Topic: What to do with lump sum? First time poster.
Replies: 10
Views: 1488

Re: What to do with lump sum? First time poster.

I like all the suggestions though you should be aware that i bonds don't work if you need current income as they dont provide any
'
'You also might consider this approach over the next year or two
'
'https://www.bogleheads.org/wiki/Value_averaging
'
by sometimesinvestor
Mon Mar 06, 2017 6:33 pm
Forum: Personal Investments
Topic: Inherited a pension; where is the best place to put it?
Replies: 3
Views: 627

Re: Inherited a pension; where is the best place to put it?

Sorry for your loss. 'Wait a few weeks after the Fed raises interest rates in march .Then check out 5-7 year CDs at internet banks like Ally synchrony discover etc . Several of them offer these Longer term CDs with only 6 month interest penalties and you will probably find after you do the arithmeti...
by sometimesinvestor
Sat Mar 04, 2017 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: investing in friends real estate business - pros and cons
Replies: 28
Views: 3249

Re: investing in friends real estate business - pros and cons

I am more or less with the other posters but would put it differently . Decide how much you could lose such that person would still be your friend For me that would be about 5k /
by sometimesinvestor
Wed Mar 01, 2017 7:00 pm
Forum: Personal Investments
Topic: Ibonds
Replies: 12
Views: 2407

Re: Ibonds

whodidntante wrote:Buy in May because of a possible increase in the fixed portion of the rate. It is currently 0%.
Somewhere about april 15 the 6 month inflation rate is known It will probably be mentioned on this site. At that point you can buy before or after May 1.
by sometimesinvestor
Wed Mar 01, 2017 6:56 pm
Forum: Personal Investments
Topic: issues with trusting CFP advice, our portfolio, and bond fund
Replies: 20
Views: 2604

Re: issues with trusting CFP advice, our portfolio, and bond fund

I am slightly puzzled as this website https://www.tsp.gov/InvestmentFunds/FundOptions/fundPerformance_G_Perf.html says the G fund made about 2% last year.I actually didn't think one could lose money in most scenarios.Obviously your advisor could have put you in bond funds that did better(floating ra...
by sometimesinvestor
Sat Feb 25, 2017 2:28 pm
Forum: Personal Investments
Topic: Young Investor needs help with Vanguard Roth IRA options
Replies: 30
Views: 3364

Re: Young Investor needs help with Vanguard Roth IRA options

Goo advice by the knowledgeable retiredjg.(after visiting the site for awhile you learn whose advice is particularly useful).Building on his comment I suggest the 2020 or 2025 fund while maintaining your Total Stock market. You won't be very right or very wrong with that advice.
by sometimesinvestor
Sat Feb 25, 2017 10:16 am
Forum: Personal Investments
Topic: Early Soc Sec or spend down investments/assets?
Replies: 28
Views: 3859

Re: Early Soc Sec or spend down investments/assets?

I did not notice this point in the responses but your healthi s important ,Generally you have to live to somewhere between 78 and 80 before gaining more by postponing . These days most do and your wife is likely to but you should consider this.
by sometimesinvestor
Sat Feb 25, 2017 10:02 am
Forum: Personal Investments
Topic: Can you critique my plan?
Replies: 2
Views: 369

Re: Can you critique my plan?

Your plan is slightly conservative but sensible so If you are comfortable stick with it. As to the decision on tax exempt bonds I suggest you do nothing at the moment except possibly take the dividends in cash and use it for i bonds or other inflation hedges. As to getting out of the tax exempts you...
by sometimesinvestor
Sat Feb 25, 2017 9:49 am
Forum: Personal Investments
Topic: Why not more Consumer Staples in Portfolio?
Replies: 9
Views: 1189

Re: Why not more Consumer Staples in Portfolio?

In recent years people have purchased these stocks for the dividend and they are also widely held in low volatility ETFs As a result these stocks are sort of overpriced in that they generally have a high Peg ratio (PE higher than growth rate) so you are bucking the odds a bit .THese stocks underperf...
by sometimesinvestor
Thu Feb 23, 2017 12:24 pm
Forum: Personal Investments
Topic: trading foreign based firms
Replies: 2
Views: 461

Re: trading foreign based firms

Issues arise if the company is not listed on a usa stock exchange. I few years ago when I tried to buy Nestle Merrill Lynch wanted me to fill out na form saying I knew the risks. Being lazy I just purchased Hershey
by sometimesinvestor
Tue Feb 21, 2017 4:09 pm
Forum: Personal Investments
Topic: Is 60/40 too conservative for 31 year old?
Replies: 69
Views: 10822

Re: Is 60/40 too conservative for 31 year old?

Currently the Bull Market is the second longest on record.IN the light of that fact prudence is unlikely to be a bad choice so make your wife happy . If stocks fall 20% you can always reconsider
by sometimesinvestor
Tue Feb 21, 2017 4:03 pm
Forum: Personal Investments
Topic: Deferred Comp plan
Replies: 2
Views: 496

Re: Deferred Comp plan

She needs earned income to contribute to an IRA but if she worked in 2016 she has till april 15 .As to whether she should switch to an IRA for other reasons we don't have enough info as we don't know what options she has in the 457.As is well known by submissions to this board some 457's are excelle...
by sometimesinvestor
Sun Feb 19, 2017 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Deferred compensation plan default risk
Replies: 20
Views: 3119

Re: Deferred compensation plan default risk

I think an issue is how hard it is to roll your money into another investment Lehman may have happened quickly but you probably had years to get out of Kodak and perhaps Chrysler
by sometimesinvestor
Sun Feb 19, 2017 12:15 pm
Forum: Personal Investments
Topic: Vanguard is working to improve service
Replies: 7
Views: 1286

Vanguard is working to improve service

Problem s are to some extent associated with the influx of money. Comparisons with other fund families regarding service often are not to Vanguard 's benefit but the company appears to be aware of the problem,

http://www.investmentnews.com/article/2 ... e=printart
by sometimesinvestor
Sun Feb 19, 2017 12:09 pm
Forum: Investing - Theory, News & General
Topic: I think some criticisim of active management is wrong.
Replies: 22
Views: 3154

I think some criticisim of active management is wrong.

As an example in the thread on American funds a commenter indicated that an international fund outperformed because it used a large share of us funds and the fund was criticised for using the wrong benchmark. I do not want my active manager fishing in poisoned waters . If for example my large cap ma...
by sometimesinvestor
Sun Feb 19, 2017 11:19 am
Forum: Personal Investments
Topic: Liquidating 401K to consolidate - should I stay in CASH
Replies: 7
Views: 916

Re: Liquidating 401K to consolidate - should I stay in CASH

If you are nervous and obviously you might or might not prove correct how about keeping it simple with lets say a 2025 or 2020 target date fund?
by sometimesinvestor
Fri Feb 10, 2017 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: RMD Question
Replies: 11
Views: 1792

Re: RMD Question

You have received good and accurate advice but it is quite rare that waiting to the following april is a good idea and you should definitely do the calculations rather than just guess.i
by sometimesinvestor
Wed Jan 25, 2017 9:56 pm
Forum: Personal Investments
Topic: T. Rowe Price Claims they consistently beat Indexing
Replies: 43
Views: 9022

Re: T. Rowe Price Claims they consistently beat Indexing

It should be pointed out that TRP target funds will normally outperform vanguards in good years and underperform in bad years because in most cases TRP funds have significantly more in equities
by sometimesinvestor
Thu Jan 19, 2017 7:54 pm
Forum: Personal Investments
Topic: newly acquired portfolio feedback
Replies: 19
Views: 2649

Re: newly acquired portfolio feedback

I do not think you should sell wellington in the taxable account(why pay taxes in a good long term investment?) but agree it might not be best to invest additional dollars though you could perhaps continue to reinvest dividends if you are not sure that anything else would be a better investment. In ...
by sometimesinvestor
Thu Jan 19, 2017 7:36 pm
Forum: Personal Investments
Topic: Newbie investor could use a lil advice
Replies: 10
Views: 1157

Re: Newbie investor could use a lil advice

I am not risk averse so think that 60-40 is fine at almost any age and since the stock market usually goes up the larger allocation to stocks works better over the very long run. I note that there is very little international in wellington but as pointed out diversification does not always work . I ...
by sometimesinvestor
Sun Jan 01, 2017 11:35 am
Forum: Personal Investments
Topic: Comment on my portfolio and situation
Replies: 7
Views: 1161

Re: Comment on my portfolio and situation

Not enough info to call you crazy and certainly not if you are apending the income fom but as you know you would be better off with the S+p 500 (less taxable income and possibly more growth. I agree with the comment re your Roth and lack of stocks. VYM would be a good choice for that combining some ...
by sometimesinvestor
Sun Jan 01, 2017 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Considering Tax Benefits of 401k when you have existing debts...
Replies: 8
Views: 1101

Re: Considering Tax Benefits of 401k when you have existing debts...

I sort of agree with those who suggest contributing up to the match limit but you have not told us the interest rate you are paying on the debt.If some is credit card debt at 18% you should pay that off first as you are unlikely to get as good a return on investments unless the match is very generou...
by sometimesinvestor
Sat Dec 31, 2016 1:37 pm
Forum: Investing - Theory, News & General
Topic: The average investor made just over 5% in 2016, according to Openfolio
Replies: 21
Views: 4134

Re: The average investor made just over 5% in 2016, according to Openfolio

hardly surprising since international did so bad and bonds mediocore emerging markets poor and high yield not great plus lots of people probably were invested overweight in health care. I was
by sometimesinvestor
Wed Dec 28, 2016 11:06 am
Forum: Personal Investments
Topic: Sell or keep these funds
Replies: 4
Views: 615

Re: Sell or keep these funds

I think you should sell over two, three or four years.and certainly not in one calendar year Check with an accountant about whether a sale at a profit now would be taxable for the year 2016 and if you can decide if you wish to do so.. .If you want to gamble on Trump's announcements sell some fractio...
by sometimesinvestor
Tue Dec 27, 2016 8:41 pm
Forum: Personal Investments
Topic: Help me get back into the market
Replies: 40
Views: 7720

Re: Help me get back into the market

As pointed out by some of the posts immediate investment might be best but for you I suggest Value cost averaging/ IT should work out fairly well and perhaps more important give you confidence you are doing the right thing I actually think the investopedia link is clearer than the Boglehead wiki lin...
by sometimesinvestor
Tue Dec 27, 2016 7:04 pm
Forum: Personal Investments
Topic: Help me understand if/why I should buy bonds in this environment
Replies: 21
Views: 3593

Re: Help me understand if/why I should buy bonds in this environment

T.Rowe Price and Fidelity have good floating rate bond funds . They will do well in rising interest environments though there is some credit risk(not that much but some) These would be good investments in the short .medium run .I would buy an intermediate bond fund if the 10 year rate is 4%.Alternat...
by sometimesinvestor
Mon Dec 26, 2016 9:08 am
Forum: Personal Investments
Topic: Will index funds suffer if U.S. has Japan-like recession?
Replies: 10
Views: 1318

Re: Will index funds suffer if U.S. has Japan-like recession?

so is there a better investment strategy than broad US based index funds for a core portfolio holding? Active Funds? or ETFs sliced and diced? Don't know if anyone can give you a good answer to that question and it certainly can't be done until we know the reason for the economic stagnation. For ex...
by sometimesinvestor
Fri Dec 23, 2016 11:02 pm
Forum: Personal Investments
Topic: Roth or standard ?
Replies: 3
Views: 786

Re: Roth or standard ?

a bracket higher than 30% suggests to me that standard is best but what is clear is at the time of retirement you want some money in both . The child's age is also relevant . Over 50 standard is also likely to work better
by sometimesinvestor
Mon Dec 19, 2016 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Should we get LTC Insurance?
Replies: 22
Views: 3505

Re: Should we get LTC Insurance?

I believe "the book" suggests " that the optimal time to buY LTC is generally in the mid 50 but if this rare is very low and will last for the the rest of yourlife it might be worthwhile (sorry but I don't know enough about rates especially at your age
by sometimesinvestor
Thu Dec 08, 2016 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Current Market rally
Replies: 61
Views: 9709

Re: Current Market rally

At current levels I don't particularly want to buy stocks or bonds.I do not think its obvious to get out of the market at this time and I don't actually think it was clear to do so in 2007 but sometimes (spring of 2000) it is and in that sense I disagree with Jack as the amount I have on the day of ...
by sometimesinvestor
Wed Oct 05, 2016 10:28 am
Forum: Personal Investments
Topic: Optimizing IRA withdrawals and conversion to Roth
Replies: 4
Views: 618

Re: Optimizing IRA withdrawals and conversion to Roth

i may be missing something but assuming you file jointly it does not seem to matter for tax purposes which account you withdraw from. I would take the money out of your account till you are 70.5 (Your account is larger so there is more to take out) Once you reach 70-5 it may be appropriate to take e...
by sometimesinvestor
Sat Sep 24, 2016 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Does anybody here have a good credit score with no credit cards?
Replies: 16
Views: 2594

Re: Does anybody here have a good credit score with no credit cards?

The usual suggestion for improving your credit score is borrowing money and paying it back with ontime payments. I think the credit card isa the easiest way to do that.I don't know if anyone will answer yes to your question bu I do think a credit card is the way to go provided you pay the money back...
by sometimesinvestor
Sat Sep 24, 2016 12:43 pm
Forum: Investing - Theory, News & General
Topic: Harvard Endowment Losses Tied to Value Stocks
Replies: 57
Views: 8215

Re: Harvard Endowment Losses Tied to Value Stocks

Just to clarify it is my understanding that active management outperforms indexing but does not do so net of fees. This is a reason Wellesley and wellington have outperformed the appropriate indices. I am fairly confident that Harvard pays still lower fees for stock and Bond investments so it may be...
by sometimesinvestor
Sat Sep 10, 2016 6:24 pm
Forum: Investing - Theory, News & General
Topic: ["Wells Fargo Fined for Years of Harm to Customers"]
Replies: 129
Views: 14439

Since the wellsfargo thread did not discuss Vanguard's responsibility

[Thread merged into here, see below. --admin LadyGeek] Next to Berkshire Hathaway I believe Vanguard is the second largest shareholder of wells fargo and consistently votes with the board including on executive compensation .Vanguard argues that they have influence behind the scenes, Not much I wou...
by sometimesinvestor
Sat Sep 03, 2016 10:37 pm
Forum: Personal Investments
Topic: RMD Strategy
Replies: 12
Views: 2339

Re: RMD Strategy

will you be working until its time for rmds? I not you may wish to consider partial roth conversions in the years between your retirement year and the time when you have to take rmds Diversifying how your accounts are taxed can be helpful. other than that i agree that your plan is a good one
by sometimesinvestor
Fri Sep 02, 2016 10:42 pm
Forum: Personal Investments
Topic: When do I add bonds to my child's 529?
Replies: 22
Views: 3296

Re: When do I add bonds to my child's 529?

If you were 100% in stocks at the beginning of 2008 and made no moves you would have been even near the end of 2010 but in a bit of trouble in sept 2011. Basically I would treat it as be100% in stocks till roughly age 15 then if you think the market is high begin to significantly be out of stocks. I...
by sometimesinvestor
Fri Sep 02, 2016 10:10 pm
Forum: Investing - Theory, News & General
Topic: Selling all equities, discuss why I'm wrong. :)
Replies: 374
Views: 70583

Re: Selling all equities, discuss why I'm wrong. :)

I believe that what the op mean as a benchmark was a figure that was appropriate to compare to to evaluate if he had made the wrong decision . Since an alternative he considered was lifestyle growth he concluded that he had made the wrong decision We now know but could not have known at the time was...
by sometimesinvestor
Fri Sep 02, 2016 8:11 pm
Forum: Personal Investments
Topic: Federal employee seeking more ways to save for retirement
Replies: 8
Views: 1866

Re: Federal employee seeking more ways to save for retirement

Depending on risk tolerance a combination of something like Vanguards tax managed balanced fund and Total Stock market in a taxable account will probably work out/ An alternative to the balanced fund might be a state tax free municipal fund depending on what state you live in .
by sometimesinvestor
Wed Jul 20, 2016 2:23 pm
Forum: Personal Investments
Topic: Need input on where to invest for my roll IRA with Fidelity
Replies: 13
Views: 910

Re: Need input on where to invest for my roll IRA with Fidelity

I think its ok to have an investment in IT services but as suggested it is too specialized to have more than 5% of your investments in it. It is NOT the one fund to have if you are having only one. For that FFNOX is a possible choice The Spartan 500 fun FUSEX would also be an ok choice Once you have...
by sometimesinvestor
Sat Jul 16, 2016 11:23 am
Forum: Personal Investments
Topic: New Bond Option in my 457b - please advise
Replies: 8
Views: 935

Re: New Bond Option in my 457b - please advise

While past performance is no guarantee a sure thing is a sure thing Roll over the bond funds in your 457b into the G fund and otherwise do nothing hh
by sometimesinvestor
Sat Jul 16, 2016 10:02 am
Forum: Investing - Theory, News & General
Topic: Do You Practice Ethical Investing?
Replies: 47
Views: 5173

Re: Do You Practice Ethical Investing?

I buy stock in my local utility as a hedge against larger bills . I buy Exxon as a hedge against higher gas prices I don't smoke so I don't buy altriag
by sometimesinvestor
Wed Jul 13, 2016 10:10 am
Forum: Personal Investments
Topic: Is my fund selection logical for my goals?
Replies: 8
Views: 860

Re: Is my fund selection logical for my goals?

Given your desire fora significant value tilt, which I don't happen to agree with I think the portfolio is fine but i would put perhaps an additional 5-10% in a bond fund so you will have a source of funds to use to buy equities if the market fell significantly. This assumes that your statement that...
by sometimesinvestor
Wed Jul 13, 2016 10:05 am
Forum: Personal Investments
Topic: Portfolio for 75-year-old with minimal expenses
Replies: 10
Views: 1805

Re: Portfolio for 75-year-old with minimal expenses

I may be in the minority but the current portfolio seems ok to me.I am sure most of us have underperformed this portfolio year to date and possibly over one year. There may be a good less expensive (ER) alternative to the Global income fund but this portfolio seems set up for Capital preservation wh...
by sometimesinvestor
Wed Jul 13, 2016 9:07 am
Forum: Personal Investments
Topic: Help with 401k portfolio
Replies: 3
Views: 502

Re: Help with 401k portfolio

yes , you are asking lot of people to look up that many funds . i recognize only two symbols prwcx (price capital appreciation , an excellent fund ) and Fcntx fidelity contrafund , also a good fund .Given those two I suspect that you can put together a good asset allocation whether or not you includ...
by sometimesinvestor
Wed Jul 13, 2016 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Saving for college vs maxing out retirement accts
Replies: 24
Views: 3449

Re: Saving for college vs maxing out retirement accts

I think you should try to save enough money for tuition room and board at the best public college in your state .If your kid (s) can get into Harvard, Yale Princeton ,MIT, Stanford etc well those schools are pretty generous with scholarship money . Between the very top schools and your best state co...
by sometimesinvestor
Mon Jul 11, 2016 8:41 pm
Forum: Personal Investments
Topic: Today's the day, I finally bought bonds
Replies: 13
Views: 1494

Re: Today's the day, I finally bought bonds

THe concept is ok but why didn't you do it over time say 10 or 25k per month . Are there a limited number of trades allowed in your 403b that would prevent this strategy. I hope other commenters address the strategy of doing this at one time rather than dollar averaging into this and they may well d...
by sometimesinvestor
Thu Jul 07, 2016 7:53 pm
Forum: Personal Investments
Topic: Treat Social Security (and Pension) Like Bonds and Maximize Equities?
Replies: 16
Views: 2348

Re: Treat Social Security (and Pension) Like Bonds and Maximize Equities?

I do not think there is any question asked more often . It was in fact my first question I asked on this site THere are two comments generally made . One is the argument you made that you can afford to be bolder and own more stock funds . The other is that because you have other sources of income (t...
by sometimesinvestor
Sat Jul 02, 2016 1:57 pm
Forum: Investing - Theory, News & General
Topic: The G.I. Joe Fallacy
Replies: 29
Views: 6706

Re: The G.I. Joe Fallacy

Not sure this is the perfect thread but I do want to point out that so far the USA investing public handled Brexit very well and brought stocks on Monday and Tuesday.
by sometimesinvestor
Sun Jun 26, 2016 12:03 pm
Forum: Investing - Theory, News & General
Topic: FIdelity /brexit
Replies: 1
Views: 709

FIdelity /brexit

Since there is a vanguard thread wirth a schwab link here is more info

https://www.fidelity.com/viewpoints/mar ... -investors