Search found 494 matches

by InvestingMom
Tue Jan 08, 2008 2:27 pm
Forum: Personal Investments
Topic: 401K Rollover to IRA Advice (Stable Value Fund Question)
Replies: 13
Views: 3655

Investingmom, thanks for your reply. I am not asking AA questions, but rather looking for some feedback regarding how one might use Vanguard as a roll-over location for these specific investments. This is partly motivated by a large fraction of the account being already in Vanguard funds through a ...
by InvestingMom
Tue Jan 08, 2008 1:26 pm
Forum: Personal Investments
Topic: AA analysis for retiree
Replies: 11
Views: 2168

Your portfolio looks like my mom's did before I took over. I wonder if you have the same advisor...ha ha. But seriously, you have way too many funds. I am curious whether this advisor is trading out these funds every year? The asset allocation you suggest looks okay (ie 20% cash, 30% US stocks, 20% ...
by InvestingMom
Tue Jan 08, 2008 12:57 pm
Forum: Personal Investments
Topic: 401K Rollover to IRA Advice (Stable Value Fund Question)
Replies: 13
Views: 3655

dbr, If I understand correctly, most stable value funds are bond funds. Is that correct? Do you have a ticker symbol for this fund? It is hard to answer your question without knowing more. Do you have any other assets? What is your asset allocation plan (go to Laura's sticky at the top of this forum...
by InvestingMom
Tue Jan 08, 2008 12:36 pm
Forum: Investing - Theory, News & General
Topic: FundAdvice.com Sample Portfolios 2007 Performance
Replies: 6
Views: 2059

question

Thanks.
Where did you get the performance figures for 2007? I went to the link but I only found the suggested portfolios and not the actual 2007 performance.
by InvestingMom
Mon Dec 24, 2007 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: So who keeps this forum going?
Replies: 19
Views: 3694

Thanks everyone

Ken and Mel and all of you, thanks for the information. It would be great if the forum could include a Who We Are and History that includes all of this information in one place. As I mentioned previously the History in the reference library was a bit cumbersome and while fun information to look at, ...
by InvestingMom
Sat Dec 22, 2007 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: So who keeps this forum going?
Replies: 19
Views: 3694

So who keeps this forum going?

I guess this is sort of a dumb question, but I don't understand who created this forum and who maintains it. I checked out the reference library and the history of the Bogleheads, but it is a bit cumbersome to read (sorry I hope that is okay to say). Is this site maintained by Mel, Larry and Michael...
by InvestingMom
Sat Dec 22, 2007 5:05 pm
Forum: Personal Investments
Topic: Help with International Value.
Replies: 11
Views: 3160

livesoft wrote:VTRIX is not an index fund. Full disclosure: I forget to mention that I own it as well (in the Utah 529 plan).
I knew that! I hate it when I get sloppy. Yes so I would vote for going with your 401K if it offers a good option for intl value.
by InvestingMom
Fri Dec 21, 2007 8:05 pm
Forum: Personal Investments
Topic: Help with International Value.
Replies: 11
Views: 3160

International stock funds are kind of a toss up as to whether to invest in you taxable or tax advantaged accounts. International value probably tips to a tax advantaged account, but it really depends on your other investments which might better fill up your tax advantaged accounts (such as bonds or ...
by InvestingMom
Fri Dec 21, 2007 7:33 pm
Forum: Personal Investments
Topic: When to jump in the pool?
Replies: 25
Views: 5007

I agree with the other posters that you would probably be more comfortable investing chunks over the next year. I would not call it market timing, it is just being a bit more conservative as you "dip your toe" in (albeit a BIG toe!) I do have a few comments and questions as follows: What d...
by InvestingMom
Fri Dec 21, 2007 2:15 pm
Forum: Personal Investments
Topic: Personal Investment Advice (1st Timer)
Replies: 9
Views: 2038

I think that Bearcats advice was excellent, all of it. I would only add... I think your asset allocation that you are working for is good. You should think about increasing your bond allocation but that is a personal decision. Check out the sticky at the top of this forum called investment planning ...
by InvestingMom
Fri Dec 21, 2007 1:27 pm
Forum: Investing - Theory, News & General
Topic: John Bogle on U-Tube- How Cool!!!
Replies: 2
Views: 1034

Thanks for the post.
by InvestingMom
Fri Dec 21, 2007 12:25 pm
Forum: Personal Investments
Topic: A case for taxable bonds in a taxable account?
Replies: 5
Views: 1771

Unfortunately you are not thinking quite right on this, at least if I understood your question right? You will never pay taxes on a non taxable bond fund. It is nice that you will be able to defer taxes on the taxable, but you will have to pay them eventually. Also, theoretically you pay taxes quart...
by InvestingMom
Fri Dec 21, 2007 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Do you bother answering posts aimed at specific people?
Replies: 14
Views: 3335

Hi all, Thanks all for your input. Maybe I was in a bad mood that day. Ha Ha. But I still think it is a bit greedy to ask for one of the expert's time. I am still relatively new to the forum and so I will go with the flow (and probably still peek at the posters questions anyway if the subject intere...
by InvestingMom
Wed Dec 19, 2007 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: Talking to Semi-Adult Child About Net Worth
Replies: 17
Views: 3892

Your son does not need to know all of the details. It is your money not his. It is not lying to not disclose all of the details to your son. He is now an adult and your finances are not really his business. However, it would probably be a good idea to give him a sense and/or provide some of the deta...
by InvestingMom
Wed Dec 19, 2007 4:09 pm
Forum: Personal Investments
Topic: Portfolio advice for retiree.
Replies: 6
Views: 2359

I read this link (provided by livesoft) and found it to be very uselful. As the previous posters mention you should be taking a total return approach and not just looking at income. Plain and simple you should have a more diversified portfolio unless you go with safer bonds (in which case you may ru...
by InvestingMom
Wed Dec 19, 2007 3:50 pm
Forum: Personal Investments
Topic: Newbie looking for advice
Replies: 11
Views: 2904

I put 100,000 into the Vanguard Energy Fund about 2 years ago and it is one of the only things that has gone up significantly this year. Should I sell the fund or only the amount over 100,000? My opinion is that I would sell the whole thing. At most I would not put more than 10% in a specialty fund...
by InvestingMom
Wed Dec 19, 2007 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Do you bother answering posts aimed at specific people?
Replies: 14
Views: 3335

Some future posts I'd like too request for my 40 seconds of fame: ‘Hey Bounca, Advice Needed on my Portfolio’ Attn: Bounca, Pre-Pay Mortgage Good or Bad Idea Bounca et al, Need Help on New Car Purchase .....the list goes on. :lol: Ah yeah, I guess I would like it if someone was looking for me :lol:
by InvestingMom
Wed Dec 19, 2007 2:28 pm
Forum: Personal Investments
Topic: Investing mother-in-law's life insurance proceeds
Replies: 13
Views: 2900

Big qualification-I don't know a heck of alot about annuities, but I know they are complicated. You mention that your mother in law has heath issues. Wouldn't that mean that 1) she may need the money in the near future and/or 2) that she may not live long? If so then that tells me you should not go ...
by InvestingMom
Wed Dec 19, 2007 2:21 pm
Forum: Investing - Theory, News & General
Topic: Specific share identification vs. averaging
Replies: 5
Views: 1150

Dont worry about it.

I think it depends on how much you have invested in taxable accounts. If it is substantial then perhaps you should consider using Quicken or some other program (I hear their are free programs?) to help you. That all being said, don't kick yourself for using the average. Hopefully you are generally b...
by InvestingMom
Wed Dec 19, 2007 2:09 pm
Forum: Personal Investments
Topic: Confused - why not index funds in nontaxable accounts?
Replies: 11
Views: 3652

Stock mutual funds as compared to bond funds are generally more tax efficient. Bonds create current income which is generally taxed at your regular tax rate. Stock funds create dividends and capital gains/losses (from the fund's sales of individual stocks.) Dividends and capital gains are generally...
by InvestingMom
Wed Dec 19, 2007 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Do you bother answering posts aimed at specific people?
Replies: 14
Views: 3335

Do you bother answering posts aimed at specific people?

It sort of bothers me when I see questions posted for specific people...such as Larry, Mel, Taylor or Laura. Okay i admit that if I make a post I want one of these people to chime in...but I also want as many people as possible to chime in. So well now I don't even look if I see a qustion posed this...
by InvestingMom
Wed Dec 19, 2007 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: First time homeowner -- who do I tip at Christmas?
Replies: 28
Views: 6842

Tip them all....it will make a difference. -Garbage guys $20 (but always hard to figure out how to get it to them because I am not an early person). I also have to make sure the garbage guy versus the recycler guy gets the right tip. A small gift such as chocolate or cookies or bottle of wine would ...
by InvestingMom
Wed Dec 19, 2007 1:41 pm
Forum: Personal Investments
Topic: Newbie looking for advice
Replies: 11
Views: 2904

Hi DBR, Thanks for clarifying the Thrift Plan. I also agree that Ginny should not necessarily move the Thrift plan over. In fact I was assuming that Ginny was only considering the other accounts. I was not even sure if the TIAA accounts would move over. This is why I first asked Ginny to clarify the...
by InvestingMom
Wed Dec 19, 2007 1:23 pm
Forum: Investing - Theory, News & General
Topic: help me understand "short term loss"
Replies: 7
Views: 1717

It kind of boils down to the fact that LT losses can eat up your preferencial LT gains. In other words, if you were already sitting on some ST gains and some LT gains (or had some reason for generating such gains) and you had a loss to harvest, it would be preferential if it were ST so that it ate u...
by InvestingMom
Wed Dec 19, 2007 12:57 pm
Forum: Personal Investments
Topic: Newbie looking for advice
Replies: 11
Views: 2904

Welcome. You have done a nice job saving and look like you are well on your way to meeting your goals. I think it is good that you have landed here to help you preserve and grow what you have done so far. Let me start with your question though.... If I understand you correctly, you have a three part...
by InvestingMom
Tue Dec 18, 2007 2:25 pm
Forum: Personal Investments
Topic: Taxable account question
Replies: 3
Views: 1144

You are taxed when you sell.

You did not ask about dividends but I will add this anyway. If the company declares dividends you will be taxed on those in the current year even if you reinvest them.
by InvestingMom
Tue Dec 18, 2007 2:14 pm
Forum: Personal Investments
Topic: Confused - why not index funds in nontaxable accounts?
Replies: 11
Views: 3652

Stock mutual funds as compared to bond funds are generally more tax efficient. Bonds create current income which is generally taxed at your regular tax rate. Stock funds create dividends and capital gains/losses (from the fund's sales of individual stocks.) Dividends and capital gains are generally ...
by InvestingMom
Fri Dec 14, 2007 1:29 pm
Forum: Investing - Theory, News & General
Topic: Is "core and explore" still a valid method for inv
Replies: 23
Views: 4216

I intially fell into the core and explore trap. I also fell for the argument that it would be easier to find small cap and foreign actively managed funds that did better than the indexes. I am happy to say that I got rid of my last "large" actively managed stock fund a few days ago. :D I h...
by InvestingMom
Fri Dec 14, 2007 12:38 pm
Forum: Personal Investments
Topic: you are now retired
Replies: 11
Views: 2895

1. How would you set up the taxable vs nontaxable holdings? 2. Should taxable be 100% equities and non-taxable be 100% FI (ie, most tax efficient)? 3. Should you "produce" your 3-4% withdrawals each year by liquidating equities from the taxable account. Or... Should you have a significant...
by InvestingMom
Tue Dec 11, 2007 12:18 pm
Forum: Personal Investments
Topic: I Paid $500 for This Advice?
Replies: 26
Views: 7884

Yes I read this same advice from Charles Schwab. It is not unusual at all for advisors to give this advice, especially if they are advising you to buy tax inefficient funds or have you trading in individual stocks. However, if you subscribe to the boglehead philosophy (science if you ask us :wink: )...
by InvestingMom
Thu Dec 06, 2007 1:16 pm
Forum: Investing - Theory, News & General
Topic: If you did have access to alternative investments
Replies: 18
Views: 3709

I don't think you can call yourself a boglehead and consider these types of investments? :wink:

That all being said, the only way I would consider them is if I had quite a bit of money. In otherwords, several million more than I think I need for retirement.
by InvestingMom
Thu Dec 06, 2007 1:11 pm
Forum: Personal Investments
Topic: Calculating IRA Recharacterization Gain/Loss
Replies: 7
Views: 2508

Are you saying that you converted your Tradional IRA to a Roth IRA (which I believe is the more common move)? And then are you asking about the calculation of gain/loss that you are now being taxed on as a result of the conversion? Well maybe I have totally misundertood your question but if so at le...
by InvestingMom
Thu Dec 06, 2007 12:58 pm
Forum: Personal Investments
Topic: newbie, saving for grad school in 1 year
Replies: 4
Views: 1192

If I understand your question correctly, you are asking whether you should invest your extra funds in a Roth IRA or by taking out a smaller student loan (which may have an interest rate of 6.8%)? I think that the terms of the note are key. If the rate is low....ie 6% or less, the interest is deducti...
by InvestingMom
Thu Dec 06, 2007 12:37 pm
Forum: Personal Investments
Topic: Strategy for Maxing out 401K?
Replies: 13
Views: 3388

I like DCA

I like dollar cost averaging (DCA) in other words spreading out the contributions. I feel better knowing that if the market goes up I am doing well and if the market goes down then I am buying cheap and hopefully getting a good average price for the year. Of course if the market goes up then you wil...
by InvestingMom
Wed Dec 05, 2007 7:16 pm
Forum: Personal Investments
Topic: Looking for a large cap value fund for a taxable account
Replies: 7
Views: 1951

Vivax is more tax efficient as most index funds are. Even if the TRowe fund has been more tax efficient recently I would not trust that it will remain so.
by InvestingMom
Wed Dec 05, 2007 5:40 pm
Forum: Personal Investments
Topic: Looking for a large cap value fund for a taxable account
Replies: 7
Views: 1951

Assuming you are looking for a large cap value tilted fund, I would go with VIVAX. The vanguard fund has a larger value tilt and has lower fees. Is the T.Rowe fund an index fund? If not, this is another good reason to go with the Vanguard fund since you won't have to worry about style shift. BTW, th...
by InvestingMom
Wed Dec 05, 2007 4:14 pm
Forum: Personal Investments
Topic: NAESX Dividend Distribution-Do I buy or wait until the dist?
Replies: 4
Views: 1594

Thanks to both of you. I think I was panicking because I had intended to take care of these transactions today before the distribution of gains from the actively managed fund tomorrow. Nothing like waiting till the last minute. Anyway, thanks again. I bought into small cap index fund right before th...
by InvestingMom
Wed Dec 05, 2007 3:11 pm
Forum: Personal Investments
Topic: NAESX Dividend Distribution-Do I buy or wait until the dist?
Replies: 4
Views: 1594

NAESX Dividend Distribution-Do I buy or wait until the dist?

I am in the process of rebalancing and getting rid of some actively managed accounts. I sold one fund today to harvest the loss but was planning on immediately purchasing the Vanguard small cap index fund to replace it. I am in taxable accounts (no room in the 401K). Then I remembered the year end d...
by InvestingMom
Tue Dec 04, 2007 5:35 pm
Forum: Personal Investments
Topic: garrett financial
Replies: 10
Views: 3082

Sorry, I meant to add that unless you have a really complicated financial situation, then I don't think it should take the planner more than about 3 hours to figure out whether you can retire....Well maybe 5 but no way 10 hours. For that they should also be able to recommend a portfolio for you as w...
by InvestingMom
Tue Dec 04, 2007 5:28 pm
Forum: Personal Investments
Topic: garrett financial
Replies: 10
Views: 3082

Generally I am sceptical of all financial planners, but I recognize that if they are good, then they can provide a valuable service. I happened to see this article in the SF Chronicle...see the link below...and it looks like Garrett does not charge commissions or make money by selling one crappy pro...
by InvestingMom
Thu Nov 29, 2007 12:41 pm
Forum: Personal Investments
Topic: do i need a will, living trust or both?
Replies: 15
Views: 4149

There have been many good books recommended on this forum to help you understand this better. I am currrently reading Plan Your Estate published by NOLO which is very good. I can't remember if it was Mel, Larry or Taylor who recommended it. Anyway, the best I can determine the reason for the living ...
by InvestingMom
Tue Nov 27, 2007 5:59 pm
Forum: Personal Investments
Topic: pay off loan?
Replies: 15
Views: 2832

Re: pay off loan?

InvestingMom wrote: You will not gain "tax sheltered space" if the markets decrease. IM, Gaining tax-sheltered space has nothing to do with market gains/drops. It has to do with utilizing tax-advantaged opportunities, when available, that will go away forever if unused. Regards, Landy I s...
by InvestingMom
Tue Nov 27, 2007 1:07 pm
Forum: Personal Investments
Topic: taxable portfolio for my Dad!
Replies: 8
Views: 1653

Generally, I think what you have suggested is reasonable given your circumstances (stubborn father, ha ha) and a few others have pointed out some changes you should look at (ie munis). Is there any chance you can get your father to read a book or a magazine? I thought that the Random Walk down Wall ...
by InvestingMom
Tue Nov 27, 2007 12:43 pm
Forum: Investing - Theory, News & General
Topic: Need Recommendation for Financial Planning Book
Replies: 13
Views: 2640

You don't mention how old your daughter is, but I would guess that she is a young adult? I vote for Personal Finance for Dummies (or any of the dummies books written by Eric Tyson.) They are a bit silly, but they are very easy to read and concise. It is a good beginner book. After she has read this,...
by InvestingMom
Tue Nov 27, 2007 12:25 pm
Forum: Personal Investments
Topic: pay off loan?
Replies: 15
Views: 2832

I vote for you to pay off the loan. As previously mentioned the 8% is guaranteed. 4-5 years is a short-term period and so there just is no guarantee that you will do better in the market (of course there never is, but the chances are much less in a short term period.) You will not gain "tax she...
by InvestingMom
Mon Nov 26, 2007 5:53 pm
Forum: Investing - Theory, News & General
Topic: REIT Percentages Revealed!
Replies: 45
Views: 18442

Valuethinker, Well, I am at risk at belaboring the point, but I cannot help myself. I still cannot agree that REITS should be given a special classification. See comments below: Valuethinker quotes: REITs have slightly different characteristics than stocks: - they are less risky than stocks (but wil...
by InvestingMom
Mon Nov 26, 2007 5:26 pm
Forum: Investing - Theory, News & General
Topic: REIT Percentages Revealed!
Replies: 45
Views: 18442

I think, perhaps, what zhiller meant is that such special consideration is given to REITs because, in the past, REITs have had spectacular performance. People have thus given REITs special status due to "backtesting" or favoring that historical performance/correlations. Zhiller can correc...
by InvestingMom
Mon Nov 26, 2007 5:23 pm
Forum: Investing - Theory, News & General
Topic: REIT Percentages Revealed!
Replies: 45
Views: 18442

LH wrote: Land is simply a valid asset class unto itself. It has a lot of history behind it, from the Talmud 1/3 land, 1/3 business, 1/3 reserve(cash) statement onward in history. The reasons that REITS are different from other stocks, and not just another sector is: The REIT law. They are simply fu...
by InvestingMom
Mon Nov 26, 2007 2:42 pm
Forum: Investing - Theory, News & General
Topic: Cap. gains and record date: can it be...?
Replies: 12
Views: 1938

Re: Cap. gains and record date: can it be...?

Latestarter wrote:
InvestingMom wrote:If you intend to buy it back I believe you will need to park it for 91 days.
?? First time I've heard this!
Whoops, maybe I need another cup of coffee. I thought it was 90 but I see the other posts say 30...so for my own sake I better look up the rules.
by InvestingMom
Mon Nov 26, 2007 2:33 pm
Forum: Investing - Theory, News & General
Topic: REIT Percentages Revealed!
Replies: 45
Views: 18442

zhiwiller wrote:
InvestingMom wrote:I have always thought that anyone investing in a REIT is in effect overweighting the market. I don't know why such special consideration is given to REITS as compared to other specialty funds.
Backtesting.
Excuse my ignorance...what does that mean?