Search found 368 matches

by 2retire
Fri Jul 20, 2012 4:49 pm
Forum: Investing - Theory, News & General
Topic: Wiki: Asset Allocation - Update "Age in Bonds"?
Replies: 99
Views: 26982

Re: Wiki: Asset Allocation - Update "Age in Bonds"?

I find this discussion interesting because I have always had trouble with comprehending why the "age in bonds issue" doesn't seem to apply to the Vanguard targeted retirement funds. I understand it could be a competitive business decision, but perhaps they take into account SS and pensions like Jack...
by 2retire
Fri Jul 20, 2012 2:42 pm
Forum: Investing - Theory, News & General
Topic: Wiki: Asset Allocation - Update "Age in Bonds"?
Replies: 99
Views: 26982

Re: Wiki: Asset Allocation - Update "Age in Bonds"?

In putting the new quote in there, there should also be instructions on how to capitalize it. It will be nontrivial for most people and having a formula would be great.
by 2retire
Fri Jul 20, 2012 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: Sending dividends and CG to Money Market
Replies: 11
Views: 1289

Re: Sending dividends and CG to Money Market

I have to agree with everything Taylor said.
by 2retire
Fri Jul 20, 2012 9:04 am
Forum: Investing - Theory, News & General
Topic: PIMCO's misleadingly named "Total Return ETF"
Replies: 28
Views: 4428

Re: PIMCO's misleadingly named "Total Return ETF"

It will be interesting to see, if over time this new ETF strategy has better results than the mutual fund strategy, will the mutual fund strategy morph to match the ETF strategy. PTTRX is the reason I have not rolled over an 401K from an old employer. Access to the institutional shares has been great.
by 2retire
Wed Jul 11, 2012 7:48 pm
Forum: Investing - Help with Personal Investments
Topic: Admiral Conversion = Cost Basis Reset?
Replies: 15
Views: 4807

Re: Admiral Conversion = Cost Basis Reset?

I guess I'll have to wait and see too. When I went to try and sell, it tried to force me to choose my cost basis method and I don't want to choose at this time.
by 2retire
Wed Jul 11, 2012 4:31 pm
Forum: Investing - Help with Personal Investments
Topic: Admiral Conversion = Cost Basis Reset?
Replies: 15
Views: 4807

Re: Admiral Conversion = Cost Basis Reset?

I was entering all of my old transactions into a spreadsheet to calculate my internal rate of return when I came across this scenario. Rather than start a new thread about the same issue, I figured I'd post here since the subject matter is similar. While I can understand the arguments presented abou...
by 2retire
Tue Jul 10, 2012 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard target dated funds asset allocation
Replies: 5
Views: 952

Re: Vanguard target dated funds asset allocation

https://personal.vanguard.com/us/funds/ ... rgetAnchor

You can play with your age in the "Decide which fund is right for you" to see each of the different funds and their projected allocations.
by 2retire
Tue Jul 10, 2012 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare
Replies: 6
Views: 771

Re: Medicare

You could always let it go to collections. I've had to do this with a hospital in the past; although my situation was a bit different. When the collection agency contacted me, I told them that I was glad to finally hear from them. I told them that I had been waiting for the bill to go to collections...
by 2retire
Mon Jul 09, 2012 9:04 am
Forum: Investing - Help with Personal Investments
Topic: Question about rate of return on investment at Vanguard
Replies: 13
Views: 2269

Re: Question about rate of return on investment at Vanguard

Is there a way to import 5 years worth of transactions into excel and then use the XIRR function? Even better, is there a program out there that can do this? You don't need any program to do this. Excel can import your data (or you can enter it by hand). You'll need the date of each of your deposit...
by 2retire
Fri Jun 29, 2012 7:17 am
Forum: Investing - Help with Personal Investments
Topic: New Job, Awful 401k with The Hartford
Replies: 27
Views: 6231

Re: New Job, Awful 401k with The Hartford

My company's plan also has rather high fees. I'm in the process of trying to put together information to approach management with. ... If that exceeds 30%, then you might consider a taxable account in preference to unmatched 401(k) investments. I've read that on the wiki, but I haven't seen anything...
by 2retire
Thu Jun 28, 2012 6:25 pm
Forum: Personal Consumer Issues
Topic: Car Dealership Repair Suggestions: Take Seriously or Not?
Replies: 43
Views: 5236

Re: Car Dealership Repair Suggestions: Take Seriously or Not

My experiences with dealerships have been less than stellar. You'd think they would tell the truth more in the hopes you'd buy another car from them in the future. I've had car dealerships tell me I need new brakes but when I took them to a brake specialist, they told me I still had over 20,000 mile...
by 2retire
Fri Jun 22, 2012 5:15 pm
Forum: Personal Consumer Issues
Topic: Appliances purchase
Replies: 17
Views: 2589

Re: Appliances purchase

I'm not sure you are going to get high end for $5,000. A friend just purchased a fridge and dishwasher for $4,000. I'll pass along some advice on dishwashers though. I'd never buy another one again without taking one of each type of plate, bowl, glass, coffee mug, and cutting board (and any other sp...
by 2retire
Thu Jun 21, 2012 8:32 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Contrafund?
Replies: 12
Views: 2020

Re: Fidelity Contrafund?

When Morningstar puts it in the category "Large growth" does that mean that it has been in that category continuously since inception, or just that it's in that category now ? I should probably look closely at the website, and see whether Morningstar explains this anywhere. As far as I know, Mornin...
by 2retire
Wed Jun 20, 2012 9:29 am
Forum: Personal Finance (Not Investing)
Topic: SS question - Is there...
Replies: 2
Views: 445

Re: SS question - Is there...

As far as I know, they don't keep that kind of rolling information for you. As the other poster pointed out, once a year you get a document in the mail that spells out your benefit and the amounts they are deducting from it. At the end of the year, you'll get a SSA-1099 for doing your taxes that wil...
by 2retire
Mon Jun 18, 2012 12:57 pm
Forum: Investing - Help with Personal Investments
Topic: 26, new job, help with new 401k
Replies: 10
Views: 950

Re: 26, new job, help with new 401k

When you say you need to roll your old 401k over, are they making you? The reason I ask is you have access to an absolutely great fund in there, PTTRX. I have kept a 401k at an old employer, just for access to that fund. The minimum entry into that fund is $1M. Edit: I guess I took too long to compo...
by 2retire
Thu Jun 14, 2012 4:35 pm
Forum: Personal Consumer Issues
Topic: Microsoft Excel question
Replies: 7
Views: 1112

Re: Microsoft Excell question

And if you want to get really fancy, you can paste the formatting first and then paste the rest as a link (assuming the 2004 version can do it). That way, when you update the source worksheets, your printable worksheet will update to match the two source tables. You can tell you did it right when th...
by 2retire
Thu Jun 14, 2012 4:18 pm
Forum: Personal Consumer Issues
Topic: Microsoft Excel question
Replies: 7
Views: 1112

Re: Microsoft Excell question

No. Your best bet is to create a new worksheet, copy and paste the tables into the new worksheet, and print the new worksheet.
by 2retire
Wed Jun 13, 2012 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: Morningstar premium worth it?
Replies: 34
Views: 5060

Re: Morningstar premium worth it?

Does M* premium give you country level breakdown? All I see under the Portfolio details is their "World Region" classification, which can't tell Spain from Germany as far as I can tell. I think you were already there and just didn't see it. On the bottom of the Portfolio tab, in the World Regions h...