Search found 62479 matches

by livesoft
Sat Jun 16, 2007 7:51 am
Forum: Investing - Help with Personal Investments
Topic: 401k only has S&P500 fund. How to balance rest of portfo
Replies: 14
Views: 4209

Although the only passive index fund in your 401k in FUSEX, there is nothing wrong with using some of the actively managed funds in your 401k to fulfill your asset allocation. Indeed, sometimes these actively managed funds do better than their passive cousins. What are those other funds available to...
by livesoft
Fri Jun 15, 2007 8:43 pm
Forum: Investing - Help with Personal Investments
Topic: Which are my most egregious holdings?
Replies: 28
Views: 8242

Re: Context

lowwall wrote:BTW, there's no difference between taking a capital gains hit today and an equal percentage hit sometime in the future.
Did you include AMT problems and phase-outs in your equations? No need to answer, that's a rhetorical question.
by livesoft
Fri Jun 15, 2007 7:03 pm
Forum: Investing - Help with Personal Investments
Topic: Your experiences (obstacles?) rebalancing your Vanguard IRA?
Replies: 19
Views: 6407

What a friendly first reply to a first-ever post. I hope it isn't an omen of things to come. For the record, I'm not seeking "perfection." But I've had multiple Vanguard phone reps giving me multiple answers, and I'd just like to know--from those more experienced with Vanguard than myself--if (in t...
by livesoft
Fri Jun 15, 2007 6:22 pm
Forum: Investing - Help with Personal Investments
Topic: Your experiences (obstacles?) rebalancing your Vanguard IRA?
Replies: 19
Views: 6407

First, studies show that rebalancing is not important :D
Second, studies show that too much rebalancing is detrimental.
Third, when doing an exchange, the Vanguard web site has an option menu with these options shares, dollar, percentage, all.
So your wish is granted.
by livesoft
Fri Jun 15, 2007 5:35 pm
Forum: Investing - Theory, News & General
Topic: Wells Fargo brokerage to change cash sweep option
Replies: 52
Views: 25304

Wells Fargo certainly did not do a very good job of communicating these changes to existing customers. I dunno, I got several huge packets from WF in the mail describing all this in gory detail. It even includes a question asking how WF benefits from the change and a true answer: "We make lots more...
by livesoft
Fri Jun 15, 2007 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: Which are my most egregious holdings?
Replies: 28
Views: 8242

I have some egregious small cap international funds. They have relatively high expense ratios and would generate substantial long term cap gains just about doubling our AGI. I am close enough to retirement, that I will not do something about these until then as my income will drop substantially then...
by livesoft
Thu Jun 14, 2007 7:48 pm
Forum: Investing - Help with Personal Investments
Topic: After Tax Investment Question
Replies: 6
Views: 2118

I do not see why you cannot invest the $125K into Total US Stock Market and International Stock Market and none in bonds. You can shift money in your combined 401Ks to buy more total bond market. Just because you may spend the money before retirement does not mean you need to earn less interest by u...
by livesoft
Thu Jun 14, 2007 4:10 pm
Forum: Investing - Theory, News & General
Topic: Wells Fargo brokerage to change cash sweep option
Replies: 52
Views: 25304

Re: livesoft, I genuinely would appreciate your advice

Wellesley wrote:on how to purchase VMMXX with cash sitting in an IRA at WF, for instance.

Regards,

Harry
I could not do that. But I could purchase WFLXX.
by livesoft
Thu Jun 14, 2007 10:34 am
Forum: Investing - Theory, News & General
Topic: Wells Fargo brokerage to change cash sweep option
Replies: 52
Views: 25304

prius04 wrote:Not sure but I think Wellesley means you can't place an order to buy VMMXX directly via WellsTrade; you would need to transfer funds to VG first.
That's probably true, I simply login to my Vanguard account and put in an order to buy VMMXX and have Vanguard suck cash out of my WF account.
by livesoft
Thu Jun 14, 2007 9:45 am
Forum: Investing - Theory, News & General
Topic: Wells Fargo brokerage to change cash sweep option
Replies: 52
Views: 25304

Re: Think those posters are correct

of 'outside' money market funds (e.g., VMMXX) for taxable or tax-advantaged brokerage accounts, while a great idea, is not in my estimation possible. I simply believe such a trade cannot be effected. That's amusing because I do acquire more shares of VMMXX occassionally using the money I have at We...
by livesoft
Thu Jun 14, 2007 6:53 am
Forum: Investing - Theory, News & General
Topic: Retirement planning software - affordable
Replies: 8
Views: 3651

A 90-day trial of MSMoney is free.
www.firecalc.com is free.
www.flexibleretirementplanner.com is free.
morningstar tools are free when accessed via www.troweprice.com

What functions/features are you looking for in retirement planning software?
by livesoft
Wed Jun 13, 2007 10:17 pm
Forum: Investing - Theory, News & General
Topic: Financial Engines advice via Vanguard
Replies: 19
Views: 6688

Rickdunnjr wrote:I used it. FE did not recommend any change to my portfolio. I use it as another data point for AA.

Rick
So you already have 90% vanguard intermediate bonds?
by livesoft
Wed Jun 13, 2007 10:01 pm
Forum: Investing - Theory, News & General
Topic: Financial Engines advice via Vanguard
Replies: 19
Views: 6688

Maybe i didn't use it correctly, but it always tells me to sell everything and buy 90% vanguard intermediate bonds. It's a curiosity and of no use to me.
by livesoft
Wed Jun 13, 2007 6:36 pm
Forum: Investing - Theory, News & General
Topic: Wells Fargo brokerage to change cash sweep option
Replies: 52
Views: 25304

I looked at BIL through Level II quote today. There were no bids and no asks other than program traders. The bid/ask spread was 1 cent when I looked and 2900 shares had exchanged hands. Because of trading volume (i.e. liquidity) I would not use this ETF for the extra $10 it might give me. The settle...
by livesoft
Wed Jun 13, 2007 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Analysis Please
Replies: 19
Views: 5045

Since you're set for retirement, you can afford to take risks. Therefore, a 100% stock investment is sound. Your four-fund plan looks great to me. If I were in your shoes, I would make a similar portfolio. Low-cost, well-diversified ETFs are good. You have exposure to international and emerging mar...
by livesoft
Wed Jun 13, 2007 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for a 49 year old who has never manged her money...
Replies: 19
Views: 8252

Even with the Merriman portfolios, the ideas of Laura et al about putting assets in the appropriate accounts for tax savings is something to consider and ultimately do. So if you select a Merriman portfolio, you still have to implement it into 401k, IRAs, and taxable. Presumably the inheritance is n...
by livesoft
Wed Jun 13, 2007 3:35 pm
Forum: Investing - Help with Personal Investments
Topic: International in taxable - redux
Replies: 11
Views: 3330

What happened to small cap international? I use DLS in my taxable account. If I had to sell for tax loss harvesting, I would buy GWX for the 30 days and then switch back to DLS. I imagine that GWX would not go up by much in that 30 days, but even so I think I would be willing to pay the small amount...
by livesoft
Wed Jun 13, 2007 8:31 am
Forum: Investing - Help with Personal Investments
Topic: How did you teach your children about investing and finance?
Replies: 37
Views: 17090

This may be offbeat, but whenever I see a commercial on TV, I make a comment about the product: They are a rip-off! No money down? Look at that interest rate! You sure don't want to have a truck loan! AIG!? They sell annuities, so you certainly don't want those! Hartford? That's who mom has for her ...
by livesoft
Tue Jun 12, 2007 11:03 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for the best 529 education investment option
Replies: 17
Views: 5545

Most 529 plans I've seen with index options only offer a few index funds. You might be able to do TSM/S&P500 + Midcap + Smallcap index but that's about it. One reason I liked the Utah plan is the option we are using has large, mid, small, and 2 international funds in it. Plus it's got one of the lo...
by livesoft
Tue Jun 12, 2007 10:29 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for the best 529 education investment option
Replies: 17
Views: 5545

I live in TX as well. We use the Utah 529 plan diversified stock option of all Vanguard index funds for stocks AND the Ohio 529 plan with the Vanguard income fund option for fixed income.
by livesoft
Tue Jun 12, 2007 8:21 pm
Forum: Investing - Theory, News & General
Topic: Wells Fargo brokerage to change cash sweep option
Replies: 52
Views: 25304

....At WF, you pay no commission and no juice. Free trades (i.e. no commission) I understand but how do you avoid "paying" the spread? At the moment, it looks like $.04/share for BIL. You are right, you pay the spread. I would use Level II quotes to see the real spread. I haven't looked at the real...
by livesoft
Tue Jun 12, 2007 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: Converting to ROTH IRA
Replies: 15
Views: 3699

Everytime it looks like I am going to get bumped up into another tax bracket, I just donate more money to charity. It works every time to keep me in a lower tax bracket.
by livesoft
Tue Jun 12, 2007 5:11 pm
Forum: Investing - Help with Personal Investments
Topic: Converting to ROTH IRA
Replies: 15
Views: 3699

While I agree with most of your post I disagree with this comment as it depends on ones circumstances. If one never expects their marginal tax rate to fall below their current rate then it makes sense to convert up to the top of their marginal rate no matter the current rate. Trust me I've looked a...
by livesoft
Tue Jun 12, 2007 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: Converting to ROTH IRA
Replies: 15
Views: 3699

Two things: 1. If you do the converrsion, be sure to use money NOT in the conversion to pay the taxes. Otherwise, you ain't getting the real benefit. 2. No, I would not do the conversion because why should I pay tax at my current marginal rate and maybe bump me into a higher marginal tax bracket, wh...
by livesoft
Tue Jun 12, 2007 1:25 pm
Forum: Investing - Theory, News & General
Topic: Wells Fargo brokerage to change cash sweep option
Replies: 52
Views: 25304

So, for the purposes of cash parking, is there any significant advantage to going with an ultra-short term fund or BIL? If I bought BIL through ET, I'd be paying both a commish and juice which, on, say, a thousand shares, would amount to around 50 bucks. Just seems counterintuitive to me. What am I...
by livesoft
Tue Jun 12, 2007 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: 401k:?: - Job change scenario
Replies: 6
Views: 1414

The $15.5K/$20.5K is the employee's contribution. Some other things to consider: Maybe the employer contributes a percentage of salary (ours does and no match). Maybe on the rehire, one is not eligible to participate right away in the 401(k). In this case, get a signing bonus to cover the lack of pa...
by livesoft
Tue Jun 12, 2007 12:40 pm
Forum: Investing - Theory, News & General
Topic: Wells Fargo brokerage to change cash sweep option
Replies: 52
Views: 25304

What was the yield before? Money markets yields that I currently use: VMMXX 5.11% NPLXX 4.79% WFLXX 4.61% so WF is the lowest of the bunch. The extra 0.5% interest that VG pays amounts to about $10 a year on a $2000 balance. Of course, we save lots more than $10 a year on free trades and we keep a ...
by livesoft
Tue Jun 12, 2007 12:37 pm
Forum: Investing - Theory, News & General
Topic: Wells Fargo brokerage to change cash sweep option
Replies: 52
Views: 25304

Do you do this at WF? At WF, my cash sweep is WFLXX so I do not this. I figure that we have enough assets at WF that this change to the sweep account will not affect us. We were at WF before free trades. I am not unhappy that WF is trying to stiff folks with more fees as long as it gives me more fr...
by livesoft
Tue Jun 12, 2007 12:11 pm
Forum: Investing - Theory, News & General
Topic: Wells Fargo brokerage to change cash sweep option
Replies: 52
Views: 25304

Shouldn't be a problem for most of us. First, we should not be traders, so we shouldn't have much cash in the cash-sweep account to begin with. Second, our non-cash balances should be high enough to still get high rates. Third, one can buy a money market fund with the cash in the cash-sweep account ...
by livesoft
Tue Jun 12, 2007 7:43 am
Forum: Investing - Theory, News & General
Topic: Safe Withdrawal Rates allowing for upside investment results
Replies: 67
Views: 22062

An interesting tool for helping you to understanding and calculate your safe withdrawal rate is FireCalc found at www.firecalc.com . The advanced tab allows a number of different withdrawal scenarios including one similar to what you describe. Have you tried it?
by livesoft
Mon Jun 11, 2007 11:40 am
Forum: Investing - Theory, News & General
Topic: Rick Ferri's new book on ETF's
Replies: 15
Views: 4822

tuffy88 wrote:At no additional charge. That has to be a great appeal to market timers. I can't think of a cheaper way to market time. Only .35 basis points a year.
A cheaper way exists: WellsFargo brokerage, 100 free trades a year, very-low cost after the first 100.
by livesoft
Mon Jun 11, 2007 11:18 am
Forum: Investing - Theory, News & General
Topic: Switching 403b After Retirement?
Replies: 9
Views: 2832

I talked to TIAA-CREF today. A TIAA-traditional annuity which your employer paid in can be rolled over with a 10-year payout. There are forms on the web site to do this, but it is best to call them up about this. If you paid in your own money, then it looks like you can rollover all at once. This 10...
by livesoft
Sun Jun 10, 2007 10:44 pm
Forum: Investing - Theory, News & General
Topic: M* "Asset Allocator" tool question
Replies: 1
Views: 825

M* "Asset Allocator" tool question

If you use the M* "Asset Allocator" tab at TRowePrice, among all the output there are 2 numbers presented: "Expected annual return" and "Possible 3-month loss". This "loss" number seems to be mostly influenced by the percentage of cash and bond holdings. My question is: Can these numbers be used in ...
by livesoft
Sun Jun 10, 2007 8:45 pm
Forum: Investing - Theory, News & General
Topic: How much to save for retirement?
Replies: 32
Views: 12114

20% sounds about right. You will need assets of about 25 times your expenses at age 60. You will not be getting any social security at that age. So you can do the math. Or you can just watch this PBS Frontline show which gives the same answer.
by livesoft
Sun Jun 10, 2007 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: Is it very hard for you to spend money?
Replies: 48
Views: 17828

Yes and no. First, the yes: I find it hard to buy any low-priced piece of crap. Then the no: Now that we have reached our number, it's easy to pay for going out to eat and quality big ticket items like bikes, laptops, large-screen TVs, vacations and cars. It's still hard to be motivated to go into a...
by livesoft
Sun Jun 10, 2007 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: Sweep Accounts for VG Rollover IRA
Replies: 9
Views: 2591

Are you making a qualified withdrawal? Or are you just transferring to another fund in the same IRA? Or are you switching custodians?
by livesoft
Sun Jun 10, 2007 7:16 pm
Forum: Investing - Theory, News & General
Topic: Has anyone here retired in their 40's or aspires to?
Replies: 90
Views: 40070

Re: It's easy!

OUJohnNasr wrote: ....The point of my originally example was to point out that you don't need that much to retire at 45, so long as you don't have kids or a wife, or if you have a frugal wife.
Or a wife that works! :D
by livesoft
Sun Jun 10, 2007 5:50 pm
Forum: Investing - Theory, News & General
Topic: safe withdrawal rate question
Replies: 2
Views: 1069

by livesoft
Sun Jun 10, 2007 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: Help! Relatives using Whole Life for retirement...
Replies: 18
Views: 6226

It won't matter one iota what you tell them. You have to provide something in hardcopy for them to believe. Get thee to the book store and start browsing.
by livesoft
Sun Jun 10, 2007 12:47 pm
Forum: Investing - Theory, News & General
Topic: Has Your Portfolio Beat DFA?
Replies: 49
Views: 22094

So i am behind IFA65 by 1-1.5%? Their fee is 1%? So i am down 0-.5? If i look at their allocation more closly it has 75/25 stock to bond. While i am pretty close at 72.5/27.5 it could make up some portion of that 0-.5 to have less bonds. I am a little surprised how close my portfolio comes to the I...
by livesoft
Sun Jun 10, 2007 12:38 pm
Forum: Investing - Theory, News & General
Topic: Rick Ferri's new book on ETF's
Replies: 15
Views: 4822

OTOH, I don't think it is a bad way to go for someone who does not want to read any books or web sites on investing. I think the alternative would be much worse. One could be in variable annuities, front-end load funds, actively-managed funds with high expense ratios, etc. Oh, yeah, we started out t...
by livesoft
Sun Jun 10, 2007 12:33 pm
Forum: Investing - Theory, News & General
Topic: Rick Ferri's new book on ETF's
Replies: 15
Views: 4822

Here is a link to some Amerivest portfolios. This suggests Amerivest has been around for 4 years. Also there is plenty of info available so that one can reverse-engineer the portfolios and save the 0.35%.

Trading costs would be $0 at WellsFargo.
by livesoft
Sun Jun 10, 2007 12:28 pm
Forum: Investing - Theory, News & General
Topic: Rick Ferri's new book on ETF's
Replies: 15
Views: 4822

I'm pretty sure that Amerivest at TDAmeritrade is more than a year old. I could not figure out why one would pay 35 basis points for something that one could do themselves.
by livesoft
Sun Jun 10, 2007 11:12 am
Forum: Investing - Theory, News & General
Topic: Has anyone here retired in their 40's or aspires to?
Replies: 90
Views: 40070

Re: Kids

It seems that many people who retire in their 40s either don't have children or had children at an early age. If you have teenagers in the house, retirement is out of the question. They are very expensive. However, I would rather have kids than be retired. My experience is different. We had our chi...
by livesoft
Sun Jun 10, 2007 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Sweep Accounts for VG Rollover IRA
Replies: 9
Views: 2591

kenn3d wrote:\Oh... and yes WE each have individual IRAs of course. But after 37 years together, everything we have is OURS. ;)

Kenn
I was thinking from the number of "we"s that you had to be married at least 40 years. Congratulations!
by livesoft
Sun Jun 10, 2007 10:59 am
Forum: Investing - Theory, News & General
Topic: Has Your Portfolio Beat DFA?
Replies: 49
Views: 22094

I don't know that i would base your allocation on morning star's result, but if you want a similar style box in a few minutes of tinkering i got this: Well of course not on the style box alone. But one could look at the style box combined with percentages in foreign, emerging markets, REITs and als...
by livesoft
Sun Jun 10, 2007 10:51 am
Forum: Investing - Theory, News & General
Topic: Has Your Portfolio Beat DFA?
Replies: 49
Views: 22094

Is it trailing before or after IFA fees? What is morning star using to project portfolio performance? IFA fees are not considered. I just looked at what M* reported as the 1-, 3-, and 5-year total return numbers for portfolios of the funds. Your 4-fund hypothesis does a good job of matching the sty...
by livesoft
Sun Jun 10, 2007 9:50 am
Forum: Investing - Theory, News & General
Topic: Has Your Portfolio Beat DFA?
Replies: 49
Views: 22094

Based on what is available in my 401k here is what i think i have decided on for my fine tuned asset allocation. 22 20 14 13 11 8 5 4 4 Your style-box is deja vu for me as mine currently looks like this: 21 19 15 10 11 9 5 5 4 The M* tools suggest that this asset allocation trails the DFA one I pos...
by livesoft
Sun Jun 10, 2007 9:32 am
Forum: Investing - Help with Personal Investments
Topic: Sweep Accounts for VG Rollover IRA
Replies: 9
Views: 2591

As Laura wrote, selecting VMMXX is the proper way to do this. In reality, you can have your new VMMXX account as a sweep account as well: set the distributions of your other funds in the IRA to go to the VMMXX account instead of having them reinvested. Side note: I was amused by the use of "we" ever...
by livesoft
Sun Jun 10, 2007 9:13 am
Forum: Investing - Theory, News & General
Topic: Has anyone here retired in their 40's or aspires to?
Replies: 90
Views: 40070

... I would not go above a 3% withdrawal rate, and I would recommend 2% to be conservative, especially for a long time frame like this. Even if the market halved, and stayed there for many years, your 2% rate would still only be a 4% rate. One of the take-home messages I get from the early retireme...