Search found 794 matches

by TBillT
Wed Mar 15, 2017 1:27 pm
Forum: Investing - Theory, News & General
Topic: The Party is Over: Andrews FCU drops rate on 7-year CD to 2.2%
Replies: 60
Views: 8907

Re: The Party is Over: Andrews FCU drops rate on 7-year CD to 2.2%

Yes I think got 3% IRA CD just at the nick of time. I hope I got it - they said so. Too close for comfort. They had my transfer IRA money from Fidelity about a week before deadline, so I think that was date of record. But there was a delay showing the CD in my account, so I could have been in troubl...
by TBillT
Wed Mar 15, 2017 1:20 pm
Forum: Personal Investments
Topic: Help deciding between bond fund or individual bonds
Replies: 3
Views: 429

Re: Help deciding between bond fund or individual bonds

I've done quite a bit of both bonds and bonds funds in retirement in Fidelity self-managed.
Right now it is a really hard time for me to see good deals.
If I had a professional bond advisor showing me good deals that might help.
When interest rates were falling I could see the bargains myself.
by TBillT
Wed Mar 15, 2017 1:00 pm
Forum: Personal Investments
Topic: Father is 90, taking over his investments
Replies: 23
Views: 4330

Re: Father is 90, taking over his investments

I am in a somewhat similar situation but less money to invest. I invest myself DIY for my aging parent. Some of the things I like are (Fidelity) brokerage CD's and various bonds with "SO" (eg; agency and Goldman Sachs etc). Also Series I savings bonds but that takes time to build up. The CD's and bo...
by TBillT
Thu Mar 02, 2017 12:46 pm
Forum: Personal Investments
Topic: Why would I buy Bonds now?
Replies: 33
Views: 9813

Re: Why would I buy Bonds now?

Why should I buy bonds now? Bonds look terrible now right? Bond values are down in last 6 months, and have nowhere to go but further down. Classic definition of the good time to buy. But I am not so brave (yet). I follow economist A. Gary Shilling who has been generally correct about the bond direct...
by TBillT
Wed Feb 15, 2017 11:10 pm
Forum: Personal Investments
Topic: How & when to sell lots of a single stock with huge capital gains
Replies: 40
Views: 6843

Re: How & when to sell lots of a single stock with huge capital gains

They plan to retire in the next few years and don't actually need this money - they're in good shape either way. They've been thinking they should just . In retirement, if there is no other income, the cap gains rate is 0% in lower incomes and then goes up to 15%. So there is a potential for very l...
by TBillT
Wed Feb 15, 2017 1:54 pm
Forum: Personal Investments
Topic: How & when to sell lots of a single stock with huge capital gains
Replies: 40
Views: 6843

Re: How & when to sell lots of a single stock with huge capital gains

The long term gains can be sold at quite low tax rate depending on other income and total amount sold etc. Above about $250k total income for Married/Joint the excess Medicare tax kicks in (~+4%). One strategy in retirement is to minimize other income (minimize IRA etc) and take those cap gains up t...
by TBillT
Tue Oct 25, 2016 11:02 am
Forum: Investing - Theory, News & General
Topic: Retirees: Where are you going for income?
Replies: 102
Views: 20865

Re: Retirees: Where are you going for income?

It's hard to know where to go for income right now. This is a cash holding wait-and-see period for some investors. There is speculation that the Fed and next Administration will initiate a new gov't spending program to improve the economy, which could shake us out of the current low-interest rate d...
by TBillT
Mon Oct 24, 2016 10:21 pm
Forum: Personal Investments
Topic: Bogleheads Highlights Oct 2016
Replies: 0
Views: 4077

Bogleheads Highlights Oct 2016

This is great site! I stopped by a couple days ago, not expecting any outcome...got 4 ideas already > Looks like good time for iBonds @ 2.8% ...I think go for Nov and maybe Jan..."hope" for continued inflation > Consider Andrews FCU 3% IRA 7-yr CD > Consider Tax Free Money Market fund actually getti...
by TBillT
Mon Oct 24, 2016 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: [TurboTax 2016--Schd D not included in online version (desktop only)]
Replies: 24
Views: 4400

Re: TurboTax 2016--Schd D repeat

Is TurboTax 2016 even available? The posts I saw it always comes out around Nov.10-15 TT availalable on Nov 24, I am in a special situation where I need to understand my total tax obligation for 2016 (traveling Nov 10-22 and Dec 1- Dec 22 and must determined how much to declare as tax on my MRD wit...
by TBillT
Mon Oct 24, 2016 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: [TurboTax 2016--Schd D not included in online version (desktop only)]
Replies: 24
Views: 4400

Re: TurboTax 2016--Schd D repeat

Is TurboTax 2016 even available?
The posts I saw it always comes out around Nov.10-15
by TBillT
Mon Oct 24, 2016 2:17 pm
Forum: Personal Investments
Topic: Rollover old 401k to new 401k or IRA?
Replies: 5
Views: 928

Re: Rollover old 401k to new 401k or IRA?

One important fund-type you give up in a IRA is a Stable Value Fund (SVF) available only in 401ks and a few 529 College plans. SVF's are gaining popularity as a cash option paying 1.5 - 2.0% interest up to maybe 3% in some rare cases. The only way to match that really is CD's and you do not have the...
by TBillT
Mon Oct 24, 2016 1:02 pm
Forum: Personal Investments
Topic: How should I increase my bond allocation?
Replies: 24
Views: 4099

Re: How should I increase my bond allocation?

Carefully. We are in a period where the future is uncertain, some expect Fed policy shifts, some are holding more cash. If you consider Bonds, give some thought to actual bonds, CDs, or iBonds as you can control the principal loss by holding. If you do a 5-year CD, you can do 5% of portfolio - why ...
by TBillT
Sun Oct 23, 2016 10:56 pm
Forum: Personal Investments
Topic: move from fido brokered cds to bank for better rate?
Replies: 18
Views: 3361

Re: move from fido brokered cds to bank for better rate?

Kevin: Thank you, re: Andrews FCU, IRA only.
Who knew? Just down the street..sheesh.
by TBillT
Sun Oct 23, 2016 9:40 pm
Forum: Investing - Theory, News & General
Topic: If the interest rates rise, won't the bond prices go down?
Replies: 22
Views: 4012

Re: If the interest rates rise, won't the bond prices go down?

If the Fed were to remain passive, low interest rates may be here to stay and I am tempted to by 30-yr USBonds. However, there is a current feeling that fiscal stimulus may be needed to boost the economy, and this could cause interest rates to raise, and therefore Bond values to decline. Due to this...
by TBillT
Sun Oct 23, 2016 3:29 pm
Forum: Personal Investments
Topic: How should I increase my bond allocation?
Replies: 24
Views: 4099

Re: How should I increase my bond allocation?

Carefully. We are in a period where the future is uncertain, some expect Fed policy shifts, some are holding more cash. If you consider Bonds, give some thought to actual bonds, CDs, or iBonds as you can control the principal loss by holding. If you do a 5-year CD, you can do 5% of portfolio - why n...
by TBillT
Sun Oct 23, 2016 3:16 pm
Forum: Personal Investments
Topic: move from fido brokered cds to bank for better rate?
Replies: 18
Views: 3361

Re: move from fido brokered cds to bank for better rate?

My two most recent IRA CDs are a 7-year CD with APY of 3% and EWP of 180 days of interest (so limits downside to 1.5%) and a 5-year CD with APY of 2.6% and EWP of 180 days of interest (max downside 1.3%). Kevin/all- where are you seeing 7-yr CD's with 180 days EWP? The banks I was looking at bumped...
by TBillT
Sun Oct 23, 2016 12:44 pm
Forum: Personal Investments
Topic: move from fido brokered cds to bank for better rate?
Replies: 18
Views: 3361

Re: move from fido brokered cds to bank for better rate?

I am also in Fidelity but this is hard time to invest. Holding cash until the picture clears is one option. Some think Fed will force up interest rates with new fiscal stim policy. The Bank CD's have a current advantage you can go for 5-year CD and you can sell it if needed with 180-days penalty...n...
by TBillT
Sat Oct 22, 2016 8:54 pm
Forum: Investing - Theory, News & General
Topic: Retirees: Where are you going for income?
Replies: 102
Views: 20865

Re: Retirees: Where are you going for income?

It's hard to know where to go for income right now. This is a cash holding wait-and-see period for some investors. There is speculation that the Fed and next Administration will initiate a new gov't spending program to improve the economy, which could shake us out of the current low-interest rate do...
by TBillT
Sat Jul 09, 2016 9:55 am
Forum: Personal Investments
Topic: VG vs. Fido - The Grass Is Not Always Greener (or Is It?)
Replies: 69
Views: 14361

Re: VG vs. Fido - The Grass Is Not Always Greener (or Is It?)

I just struggled with the Fido vs. VG decision on a 401K direct rollover. Good News! is that Fido is currently giving up to $2500 bonus for such rollovers. I did not realize this, but stuck with Fido out of my familiarity with their website (buying bonds, broker CD's, ETFs etc). I am extremely pleas...
by TBillT
Sat Jul 09, 2016 12:33 am
Forum: Personal Investments
Topic: Strategy for conversion of $1.8 million IRA
Replies: 80
Views: 14749

Re: Strategy for conversion of $1.8 million IRA

The new 3.8% Medicare Surtax presumably kicks in (on the lesser of net investment income or the excess of modified adjusted gross income - MAGI - above $200,000 for individuals, $250,000 for couples filing jointly, and $125,000 for spouses filing separately). So I guess that impacts retirees trying ...
by TBillT
Fri Jul 08, 2016 12:32 am
Forum: Personal Investments
Topic: Cash EE Bonds Now?
Replies: 5
Views: 951

Re: Cash EE Bonds Now?

One tax avoidance approach I believe if the EE's are issued after 1990 the proceeds can be put into a 529 college savings plan...check out the rules if interested in this approach. Unfort mine were 1988 1989 do have a few 1990 issues.
by TBillT
Fri Jul 08, 2016 12:26 am
Forum: Personal Investments
Topic: How to find a similar Fund without a Load?
Replies: 10
Views: 1415

Re: How to find a similar Fund without a Load?

Morningstar gives similar funds but I think that is part of their Fund Analysis heading (which is paid service). They give a long list of equivalents to ABALX including Vanguard Balanced. May be non-pay ways to see that info or what the heck join for a month.
by TBillT
Fri Jul 08, 2016 12:08 am
Forum: Personal Investments
Topic: What to do with EE bonds
Replies: 6
Views: 1520

Re: What to do with EE bonds

One nifty idea - believe the EE Bonds issued after 1990 can apparently by cashed and transferred into a college 529 plan then tax deferred if used for educational purposes. Check out the rules for this approach. Bummer some of mine are 1988/1989 dang it.
by TBillT
Fri Jul 08, 2016 12:00 am
Forum: Personal Investments
Topic: Bond Market Bubble
Replies: 47
Views: 7051

Re: Bond Market Bubble

No one can predict bond interest rates but there is one notable exception to that - economist A. Gary Shilling is pretty good at it.
I've been long bonds and bond funds for quite a while following his thinking.
by TBillT
Sun Mar 08, 2015 2:44 pm
Forum: Personal Investments
Topic: Bear Market strategies, if any
Replies: 61
Views: 9999

Re: Bear Market strategies, if any

Probably bonds go up nicely if stock market goes down.
So balance is good. Not much else to say.
If you are out-of-balance now, consider a planned series of rebalance steps rather than a big change all at once.
by TBillT
Sun Mar 08, 2015 2:26 pm
Forum: Personal Investments
Topic: Protect rollover IRA from potential lawsuit
Replies: 41
Views: 8508

Re: Protect rollover IRA from potential lawsuit

I've kept our 401K's in tact after retirement, partially due to this consideration, but also our 401K's have Stable Value Fund option which is like a money market fund to park conservatively but that still pays 2-3% interest (2+% lately). We also have an umbrella policy many years but maybe I need t...
by TBillT
Sun Mar 08, 2015 2:14 pm
Forum: Personal Investments
Topic: Bonds, REITs, Utilities, Commodities and Stocks down - Wow
Replies: 66
Views: 6846

Re: Bonds, REITs, Utilities, Commodities and Stocks down - W

VWINX down Friday (Wellesley) hard to find a buy-low spot on VWINX maybe have one soon. I am in the Gary Shilling camp that says bond bull market is still not over, of course you have to have a tough skin with Bonds with all the loud chorus of voices saying higher interest rates will kill bonds and ...
by TBillT
Thu Mar 05, 2015 3:42 pm
Forum: Personal Investments
Topic: 401k Tax Maneuver
Replies: 5
Views: 764

Re: 401k Tax Maneuver

If you own your own company stock in the 401k, sometimes you can take that out under the NUA rules. I assume you don't have that case since you did not mention it, but it's a significant tax maneuver if you can do it. There are specific rules, so it requires some careful planning.
by TBillT
Thu Mar 05, 2015 3:30 pm
Forum: Personal Investments
Topic: Possible Backdoor Roth mistake- What to do next?
Replies: 8
Views: 1097

Re: Possible Backdoor Roth mistake- What to do next?

...fyi recent article today on BackDoor Roth mistakes by Christine Benz over at Morningstar.com home page
by TBillT
Mon Sep 10, 2012 10:59 pm
Forum: Personal Investments
Topic: Trying to help my parents
Replies: 5
Views: 1269

Re: Trying to help my parents

You might want to get up-to-date on Social Security options, to see if there is any good strategy there. The reason for this is SS payments increase if you wait to age 70, and I believe you can suspend payments if you have already committed to taking. Now that market interest rates are so stinky, mo...
by TBillT
Mon Sep 10, 2012 10:43 pm
Forum: Personal Investments
Topic: Another post about CD Rates
Replies: 15
Views: 3079

Re: Another post about CD Rates

You might want to consider US Savings Bonds. The i-BOND pays back inflation rate and is reasonable to cash in if needed. If you can wait 20-years (college)the EE-BOND doubles in value (~3.3% interest) which beats CD's right now. Lately I mostly use iBONDS, and prior to that the brokerage CD's from F...
by TBillT
Mon Jun 04, 2012 2:35 pm
Forum: Personal Investments
Topic: Contributed to Roth, Might Go Over AGI Limit
Replies: 4
Views: 2591

Re: Contributed to Roth, Might Go Over AGI Limit

Believe you will get appropriate tax forms for reporting. Sounds like you may be well over Roth limit but keep in mind it is not actually AGI that controls, rather they have a modified AGI calc for Roth IRA. Some income is apparently not included in the calc such as IRA conversion income. Also self-...
by TBillT
Mon Jun 04, 2012 12:56 pm
Forum: Personal Investments
Topic: IBM Bond Exchange Offer
Replies: 1
Views: 480

IBM Bond Exchange Offer

IBM is offering to exchange the 2096 bonds currently at $150 paying 4.7% (and some other long bonds). You get a first round draft pick, and exchange for IBM 2040 bonds paying 4%. Any way to play this? (1) Could buy some now and paticipate in buy back (if new owners are allowed to play?). > not sure ...
by TBillT
Fri Apr 06, 2012 10:42 pm
Forum: Personal Investments
Topic: Company Stock - Free Money?
Replies: 23
Views: 1850

Re: Company Stock - Free Money?

I worked for a big company and they took the company stock incentives out of the 401K.
In other words the trend is to encourage employees to diversify and not overload on company stock.
If its a good quality company with dividends its is hard to not take some if its a good deal.
by TBillT
Fri Apr 06, 2012 10:15 pm
Forum: Personal Investments
Topic: Help me pick a mutual fund!!
Replies: 25
Views: 3964

Re: Help me pick a mutual fund!!

A classic buy and hold is VWINX.
For converting to income right now I like DLTNX and the new Vanguard Managed Payout Dist Focus
Inflation protected securities fund or TIPS
by TBillT
Sat Mar 31, 2012 9:58 am
Forum: Personal Investments
Topic: What will Happen to VG Wellesley(VWINX) when rates rise?
Replies: 20
Views: 4371

Re: What will Happen to VG Wellesley(VWINX) when rates rise?

VWINX one of the best funds on the planet and there is really no exact equivalent out there. Slightly similar would be EXDAX, GLRBX or the target funds. Morningstar has 5-star rating but does caution that returns would be lethargic in a raising rate environment. VWINX very resistant to market downtu...
by TBillT
Fri Mar 30, 2012 8:48 pm
Forum: Personal Investments
Topic: Is it time to exit bonds due to interest-rate risk?
Replies: 29
Views: 3880

Re: Is it time to exit bonds due to interest-rate risk?

Today was an apparent bond buying opportunity due to end of quarter window dressing.
Watched EDV dip way down today, missed the bottom, started a small TLT position instead.
Made a number of small incremental moves increasing 401K bond funds.
Short form answer is no from me.
by TBillT
Wed Mar 28, 2012 10:50 pm
Forum: Personal Investments
Topic: Questions about Vanguard vs. Fidelity (vs. TIAA)
Replies: 6
Views: 1136

Re: Questions about Vanguard vs. Fidelity (vs. TIAA)

With Vanguard I stick with the wonderful Vanguard funds such as VWINX which is really not replicated anywhere. With Fidelity I go brokerage so I can do a combo of Fidelity funds, bonds, CD's, ETF's etc. Nothing much special about the Spartan funds in my experience. Also have our main account with Fi...
by TBillT
Wed Mar 28, 2012 10:23 pm
Forum: Personal Investments
Topic: Stable Value Fund vs. Total Bond Index Fund for 401K
Replies: 27
Views: 3091

Re: Stable Value Fund vs. Total Bond Index Fund for 401K

Hope SVF's (stable value funds) are OK because I rely on them quite heavily. However the Fidelity SVF is much lower %return than the other 401K's we have. My wife had her 401K in Fidelity then her company switched to TRowePrice. So when we were in Fidelity we did a mix of Pimco PTRAX, PTRIX, some SV...
by TBillT
Mon Mar 26, 2012 8:54 am
Forum: Personal Investments
Topic: Bond timing a no-no now?
Replies: 13
Views: 2572

Re: Bond timing a no-no now?

I tend to follow Gary Shilling on interest rates as he has been correct for 30-years. He says rates still going down so I am fairly bullish on bonds. Especially now, rates seem to peak in first quarter last 3 years so. With 99.9% of stock market experts saying bonds are the worlds worst investment, ...
by TBillT
Mon Mar 26, 2012 8:35 am
Forum: Personal Investments
Topic: where should I put $10,000
Replies: 18
Views: 2463

Re: where should I put $10,000

quote="camper"] iBonds +3 you can only do $5000 per person on-line (Banks out of game) and cannot sell for 1 year Funds- Fidelity or Vanguard GNMA is gov't guaranteed with some interst rate risk but right now is good time if you think rates heading down from here (Eg per Gary Shilling)...last 3 year...
by TBillT
Mon Mar 26, 2012 8:26 am
Forum: Personal Investments
Topic: where should I put $10,000
Replies: 18
Views: 2463

Re: where should I put $10,000

iBonds +3 you can only do $5000 per person on-line (Banks out of game) and cannot sell for 1 year Funds- Fidelity or Vanguard GNMA is gov't guaranteed with some interst rate risk but right now is good time if you think rates heading down from here (Eg per Gary Shilling)...last 3 years rates headed d...
by TBillT
Sun Mar 25, 2012 7:54 pm
Forum: Personal Investments
Topic: Federal Farm Credit Bank Bonds OK??
Replies: 3
Views: 647

Federal Farm Credit Bank Bonds OK??

The Federal Farm Credit Bank GSE agency bonds look good to me, especially the call protected long bonds are approx. 4.1% right now Believe this is state tax exempt, so thats makes it semi-tax-free >>>I called the agency but had no luck finding out if these have survivor option (as do FNMAs)? >>>Also...
by TBillT
Sat Sep 17, 2011 2:17 pm
Forum: Personal Investments
Topic: "Structured products" offered by Fidelity?
Replies: 4
Views: 2130

Fidelity/Wells Fargo BRIC CD

Found your post via Google. This CD looks OK to me for a small part of a retirement IRA fund CD basket. 6-year FDIC CD term so worst case scenario is 0% return vs. 2% normal CD. Unknowns would be market timing (good timing?) and payout formula (presumably Wells Fargo is giving a fair payout formula)...