Search found 3715 matches

by Lafder
Sat Feb 03, 2018 11:59 pm
Forum: Investing - Help with Personal Investments
Topic: Switch from Morgan Stanley to Vanguard Personal Advisor Services?
Replies: 22
Views: 1634

Re: Switch from Morgan Stanley to Vanguard Personal Advisor Services?

I am bored..........so I googled by fund name and pulled ER from Morningstar. I tried reading the perspectus on the first fund and it was very hard to make sense and see if there are back load fees or any others. Note the listed ER's are just the annual fee for the funds. I am pretty sure you are pa...
by Lafder
Sat Feb 03, 2018 9:17 pm
Forum: Investing - Help with Personal Investments
Topic: Planning for Life Insurance Payout
Replies: 15
Views: 911

Re: Planning for Life Insurance Payout

If she pays off the house, she can then trickle the equivalent of the payment into the market each month. If money is tight any month, no missed mortgage payment.
lafder
by Lafder
Sat Feb 03, 2018 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: Planning for Life Insurance Payout
Replies: 15
Views: 911

Re: Planning for Life Insurance Payout

I would consider paying off the house to decrease monthly expenses. It will not feel so bad during the next stock market crash for mom to know her mortgage is paid for. That 96k balance is a set number, versus a drop in value if put in the market and there is a crash. I would put perhaps 3-9 months ...
by Lafder
Sat Feb 03, 2018 6:31 pm
Forum: Investing - Help with Personal Investments
Topic: Planning for Life Insurance Payout
Replies: 15
Views: 911

Re: Planning for Life Insurance Payout

Are you saying the life insurance will pay out based on dementia diagnosis? Or are you anticipating what will happen when your dad passes? If the latter, you are counting your eggs before they hatch. Dad may live for many years and need a high priced memory care facility or other assistance for dail...
by Lafder
Sat Feb 03, 2018 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me with my AA between a 401(k) and ROTH
Replies: 5
Views: 326

Re: Please help me with my AA between a 401(k) and ROTH

My Roth IRA is 100% Total US stock market.

I will rebalance in the bigger accounts if I need to rebalance.

lafder
by Lafder
Sat Feb 03, 2018 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: Q. solo 401k
Replies: 36
Views: 1665

Re: Q. solo 401k

Mega Back Door Roth has a specific meaning involving 401k plans as far as I know.

Aren't you talking about Roth conversions when income is lowest? I haven't heard that called a "mega" but there are plenty of things I don't know!

Lafder
by Lafder
Sat Feb 03, 2018 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: Index Funds During Stock Market Decline?
Replies: 20
Views: 2392

Re: Index Funds During Stock Market Decline?

Keep investing! Think of it as buying on sale :)
Lafder
by Lafder
Sat Feb 03, 2018 1:31 pm
Forum: Investing - Help with Personal Investments
Topic: Switch from Morgan Stanley to Vanguard Personal Advisor Services?
Replies: 22
Views: 1634

Re: Switch from Morgan Stanley to Vanguard Personal Advisor Services?

What fees are you paying at M.S. ? Go back and edit to list the expense ratios on each of your holdings, including front or back load fees if they have them. That will probably make it more clear to you why moving your holdings to Vanguard may save you several percent in fees a year. It is also poss...
by Lafder
Sat Feb 03, 2018 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: Is my analysis fair?
Replies: 8
Views: 549

Re: Is my analysis fair?

What are your holdings and what are the additional Expense Ratios for each holding in addition to the 0.75% fees? It is hard to know how good or bad the returns are if we do not know the % bonds or what the holdings are. A high % bonds would have lower returns than 100% stocks. As others mentioned, ...
by Lafder
Fri Feb 02, 2018 9:56 pm
Forum: Investing - Help with Personal Investments
Topic: Q. solo 401k
Replies: 36
Views: 1665

Re: Q. solo 401k

I think you mean a mega back door Roth. This is rarely possible. It requires an employer plan that allows you to contribute pre and post tax to your 401k. The plan must also keep track of the source of funds, and allows an in plan withdrawal where you can move the post tax contribution portion to a ...
by Lafder
Thu Feb 01, 2018 10:42 am
Forum: Investing - Help with Personal Investments
Topic: EDITED: Help Replicating Vanguard with Limited Fund Selection
Replies: 15
Views: 954

Re: Help Replicating Vanguard with Limited Fund Selection

Expenses matter a lot. Put the time into finding and listing the ER's, whatever they are. They can vary more than 10 fold.

If you don't want to list for all, list for your top choices. ER is a major factor in choosing the best options.

lafder
by Lafder
Thu Feb 01, 2018 10:38 am
Forum: Investing - Help with Personal Investments
Topic: Does anyone own gold?
Replies: 25
Views: 2384

Re: Does anyone own gold?

Do you have actual gold, or a piece of paper or online statement that says you own gold someone else is holding for you ?

lafder
by Lafder
Thu Feb 01, 2018 10:30 am
Forum: Investing - Help with Personal Investments
Topic: I have an overwhelming gift I'm in need of help of please.
Replies: 89
Views: 8587

Re: I have an overwhelming gift I'm in need of help of please.

It seems unusual that you are getting less than a week's notice that you are about to get over a quarter of a million dollars. Just be sure you do not have to pay any money or fees to get this money! You have gotten solid advice. Simply put it in your bank account as you give yourself time to sort o...
by Lafder
Thu Feb 01, 2018 10:10 am
Forum: Investing - Help with Personal Investments
Topic: Different ways to achieve 40/60 AA & question on staying the course.
Replies: 25
Views: 2086

Re: Different ways to achieve 50/50 AA & question on staying the course.

It will be simplest if you go with either a single all in one fund closest to your desired AA, or switch to a 3 fund portfolio and check on it and rebalance if needed once or twice a year. You can do some rebalancing by taking withdrawals from whichever asset class is highest if you go with a three ...
by Lafder
Thu Feb 01, 2018 9:15 am
Forum: Investing - Help with Personal Investments
Topic: Finally going to invest, brother is FA
Replies: 89
Views: 7081

Re: Finally going to invest, brother is FA

Another vote to stay clear of investing with your brother. Brother aside, EJ is amongst the higher fee companies, and the "deal price" is no deal. First decision, what is your risk tolerance and what is your desired asset allocation? That will help you decide what percent of your holdings need to be...
by Lafder
Thu Feb 01, 2018 9:05 am
Forum: Investing - Help with Personal Investments
Topic: Opening a Vanguard Roth IRA
Replies: 7
Views: 690

Re: Opening a Vanguard Roth IRA

I agree that you must have earned income to invest in an IRA or Roth. Whether yes or no, I would rec the same investments. If you have no earned income for an IRA, a simple "taxable" or not special number/alphabet retirement account is an option. I would suggest an all in one fund such as a "Target ...
by Lafder
Thu Feb 01, 2018 8:50 am
Forum: Investing - Help with Personal Investments
Topic: EDITED: Help Replicating Vanguard with Limited Fund Selection
Replies: 15
Views: 954

Re: Help Replicating Vanguard with Limited Fund Selection

I would be glad to comment, but really need to see the expense ratio for each of the holdings. :) If all are over 1, can you include the lowest. If only some are under 1, only include those. In the absence of index funds (which I did not go through and confirm for myself), the ER's of the options wo...
by Lafder
Wed Jan 31, 2018 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone negotiated a medical bill to see a specialist?
Replies: 19
Views: 1684

Re: Has anyone negotiated a medical bill to see a specialist?

Let it run through insurance so it clearly adds to your paid deductible in your insurance company records. Otherwise you will need to submit the receipt for it to count towards your deductible. As mentioned, insurance has often negotiated a lower rate than what the doctor bills. Folks are wrong sayi...
by Lafder
Tue Jan 30, 2018 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: Help! Insurance company wants new roof after closing!
Replies: 20
Views: 3646

Re: Help! Insurance company wants new roof after closing!

Ask a new insurance company for an offer to take over your insurance needs and see what they say as far as coverage and prices. I would not volunteer what the prior insurance said. That is very annoying since if required before closing, seller might have been willing to help pay to make the deal go ...
by Lafder
Sun Jan 28, 2018 9:48 am
Forum: Investing - Help with Personal Investments
Topic: Investment thought loops have been destroying me
Replies: 31
Views: 1451

Re: Investment thought loops have been destroying me

Spend your time on this website, not on trading stocks! That way you will have something to obsess on :) I like the simplicity of Boglehead style investing. It makes sense to me. Read this all the way through, it will answer every question you may think of along the way if you read it through, if no...
by Lafder
Sun Jan 28, 2018 9:39 am
Forum: Investing - Help with Personal Investments
Topic: Advice on structuring investments after business sale
Replies: 3
Views: 338

Re: Advice on structuring investments after business sale

Congratulations! Consider posting everything you have in this format to take a deep look at your overall holdings to optimize them https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 ((We have no idea how sophisticated or knowledgeable an investor you already are :))) Be sure you have a will i...
by Lafder
Sun Jan 28, 2018 9:31 am
Forum: Investing - Help with Personal Investments
Topic: Does anyone not rebalance?
Replies: 66
Views: 5232

Re: Does anyone not rebalance?

You are having a typical behavioral economics feeling of not wanting to sell what you already have. I am with you. I hate selling what I have. So I rebalance by buying bonds with new money. This only works to a degree. If my AA gets really out of whack I will sell to rebalance. But in general I only...
by Lafder
Fri Jan 26, 2018 9:17 am
Forum: Investing - Help with Personal Investments
Topic: Question with vanguard allocation
Replies: 53
Views: 2492

Re: Question with vanguard allocation

To be clear, on the funds, the Life Strategy and Target Date Retirement funds both use the same 4 index funds to make up their holdings. They both hold the 3 fund portfolio being suggested to you, plus International bonds. The differences between them is the % of each holding, and that the Life Stra...
by Lafder
Thu Jan 25, 2018 11:49 pm
Forum: Investing - Help with Personal Investments
Topic: Did I just commit market timing with "dry powder"?
Replies: 46
Views: 4309

Re: Did I just commit market timing with "dry powder"?

If 100% stocks had the best returns, everyone would do 100% stocks. Yes 100% stocks can have the most gains during good markets, but they have the biggest drops when there is a crash. A 100% stock portfolio that has a 50% drop in value, must have a gain of 100% to get back to where it started. A 50%...
by Lafder
Thu Jan 25, 2018 11:35 pm
Forum: Investing - Help with Personal Investments
Topic: Is it wise
Replies: 10
Views: 1253

Re: Is it wise

These are both all in one funds designed to be your only holding. Both are made up of : Total Stock Market Index Total International Stock Market Index Total US Bond market index Total International bond index Both are made up of different % of those same 4 funds. Both rebalance during market shifts...
by Lafder
Wed Jan 24, 2018 10:48 pm
Forum: Investing - Help with Personal Investments
Topic: ? Fund post tax 401k first
Replies: 3
Views: 277

Re: ? Fund post tax 401k first

THANK YOU both.

I forgot about spousal IRA and that we can convert IRA to Roth in the future!

It is obvious now that you said it, but I was distracted by the allure of Roths.

We changed it to 75% pretax contributions again.

lafder
by Lafder
Wed Jan 24, 2018 10:17 am
Forum: Investing - Help with Personal Investments
Topic: Use VG PAS for transfer from my current advisor?
Replies: 6
Views: 462

Re: Use VG PAS for transfer from my current advisor?

Welcome here! If you are comfortable posting here and entering orders on the Vanguard website (an advisor can talk you through it if you have questions), then you do not need to pay for PAS services. PAS services are most useful if you really want to be a hands off investor. They will tell you what ...
by Lafder
Wed Jan 24, 2018 10:07 am
Forum: Investing - Help with Personal Investments
Topic: Leaving Financial Engines. Want to go heavy in international..
Replies: 15
Views: 1150

Re: Leaving Financial Engines. Want to go heavy in international..

There are recs for 0-50% of stocks to be International if you read more about it. So somewhere in that range is supported by others. Vanguard's all in one funds even added a % of International bonds. But some people believe they are not worth the extra costs. Yes this site is addictive! And the info...
by Lafder
Wed Jan 24, 2018 10:02 am
Forum: Investing - Help with Personal Investments
Topic: ? Fund post tax 401k first
Replies: 3
Views: 277

? Fund post tax 401k first

My spouse is taking significant time off from his job this year. The past few years (since 2015) his company allowed the mega backdoor Roth option and we did it. They raised the allowable contribution to 75% at the same time which we needed to hit the maximum allowable contribution of 60k to the 401...
by Lafder
Tue Jan 16, 2018 11:14 pm
Forum: Investing - Help with Personal Investments
Topic: Family death, house for sale, under-valued.
Replies: 19
Views: 2638

Re: Family death, house for sale, under-valued.

If the home is "appraised by a realtor" for 230k in the current condition, why would the cousin sell for more than 100k less than they can get selling to a stranger?? Even if a purchase is made with a loan, at closing or shortly thereafter, the seller can have cash in their hands. A cash sale can be...
by Lafder
Mon Jan 15, 2018 12:46 am
Forum: Personal Consumer Issues
Topic: Books on managing (household) finances for couples
Replies: 13
Views: 1257

Re: Books on managing (household) finances for couples

In full disclosure it is really for friends. My spouse and I are both relatively frugal and generally good in the communication department. We used to have his,hers, ours. Now we just have ours as far as non retirement account holdings, but I am the organizer and bill payer. We are both good at ment...
by Lafder
Sat Jan 13, 2018 11:15 pm
Forum: Personal Consumer Issues
Topic: Books on managing (household) finances for couples
Replies: 13
Views: 1257

Books on managing (household) finances for couples

Any suggestions on an easy read to help a busy couple get more on the same page with $$. The problem is budgeting and decision making/communication. Overall income is high.
lafder
by Lafder
Sat Jan 13, 2018 10:23 pm
Forum: Investing - Help with Personal Investments
Topic: Core 4 portfolio with a few stocks
Replies: 5
Views: 677

Re: Core 4 portfolio with a few stocks

3 fund portfolio = US stocks International Stocks Bonds Individual stocks = US or International Stocks depending on country REITs = US or International stocks " " Yes they absolutely count in your asset allocation. Why wouldn't they? Some consider International bonds the 4th component of a 4 fund po...
by Lafder
Sat Jan 13, 2018 4:00 pm
Forum: Investing - Help with Personal Investments
Topic: Capital Preservation after an 8 year bull market
Replies: 17
Views: 2194

Re: Capital Preservation after an 8 year bull market

I would put your 100k house deposit into cash, depending on the time line of needing it. Same with the 100k for "capital improvements" With your investments I would have an AA of a minimum of 20% bonds. However, given your age is 35, consider up to 35 % in bonds in your investments. Really think abo...
by Lafder
Tue Jan 09, 2018 9:13 am
Forum: Investing - Help with Personal Investments
Topic: Help with unique situation [stayed out of market since 2008]
Replies: 34
Views: 4139

Re: Help with unique situation

There is a rec for age in bonds down to age-15. At 43, that is about 28-43% bonds. Given that you have hoarded cash for your comfort, I would suggest you choose a more conservative number on that range since WHEN, not if, there is a market drop, you will see less of a balance drop for your holdings....
by Lafder
Sun Jan 07, 2018 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: Any mistakes with this portfolio?
Replies: 13
Views: 1065

Re: Any mistakes with this portfolio?

Welcome here! You have a lot of overlap. I find it simpler to have just a couple of holdings such as discussed in this long thread https://www.bogleheads.org/forum/viewtopic.php?f=10&t=88005 A 3 fund portfolio is made up of : Total US stock Total International Stock Total bond REITs are already in t...
by Lafder
Sun Jan 07, 2018 2:17 pm
Forum: Investing - Help with Personal Investments
Topic: Choosing funds for 401k
Replies: 31
Views: 2271

Re: Choosing funds for 401k

Welcome here.

Can you go back and add the ER (expense ratio) for each of the available holdings ?

Then it will be more clear what your best options are.

Lafder
by Lafder
Sun Jan 07, 2018 1:17 pm
Forum: Investing - Help with Personal Investments
Topic: Which advisor?
Replies: 5
Views: 525

Re: Which advisor?

Welcome here! Why not take a chance and post your portfolio here like this https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 You can go back and edit this post to add the info. See what bogleheads will suggest. Then come back and post the proposed portfolios at VG and Edelman for comparison ...
by Lafder
Fri Jan 05, 2018 10:02 am
Forum: Investing - Help with Personal Investments
Topic: Checking In After Six Years
Replies: 11
Views: 3253

Re: Checking In After Six Years

Congrats on your progression!

Just wait to see where you are at the 10 and 20 year marks!

lafder
by Lafder
Fri Jan 05, 2018 12:26 am
Forum: Investing - Help with Personal Investments
Topic: Please help me with VG Advisory's Recommendaitons
Replies: 27
Views: 2296

Re: Please help me with VG Advisory's Recommendaitons

These are proposed portfolio? What are you in now? As you presented, they are way more complex than necessary. I prefer a simple 3 or 4 fund portfolio set up in the most tax advantaged way between your taxable and retirement accounts. We can help you come up with a simpler/better plan. As suggested,...
by Lafder
Thu Jan 04, 2018 9:58 am
Forum: Investing - Help with Personal Investments
Topic: What Should My Investment Strategy Be?
Replies: 7
Views: 738

Re: What Should My Investment Strategy Be?

If you can invest in your 401k, it is worth it even without employer match. You do not pay income tax on the amount of money you put into your 401k. So it is a larger amount put away now to compound over the years, vs post tax money in your pocket now. I believe the market will go up on average or I...
by Lafder
Thu Jan 04, 2018 9:47 am
Forum: Investing - Help with Personal Investments
Topic: Edward Jones - help
Replies: 38
Views: 3575

Re: Edward Jones - help

Can you take the time to post your specific holdings in this format? https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 What funds do you hold at EJ? What type of account ? Etc If you get a several 1000 company match, it is unlikely you are paying more than that in fees, making it worth keepi...
by Lafder
Wed Jan 03, 2018 9:46 am
Forum: Investing - Help with Personal Investments
Topic: Eval my IPS [Investment Policy Statement]
Replies: 31
Views: 2288

Re: Eval my IPS [Investment Policy Statement]

I agree it is good to get it all sorted out on paper before making changes :) Long term vs short term gains shouldn't matter in a retirement account since you only pay tax on it if you take the money from a retirement account, not if you make sales or repurchases within the account. Maybe it is sema...
by Lafder
Wed Jan 03, 2018 9:26 am
Forum: Investing - Help with Personal Investments
Topic: Asset allocation, starting business soon
Replies: 5
Views: 446

Re: Asset allocation, starting business soon

Bogle and Buffett have said 100% US stocks are a perfectly fine %. Vanguard recs 30-50% of stocks be international. That makes me think 0-50% is a reasonable range, and you are within it, more than you think :). In your IRA you have an all in one fund VG target date 2045 and a stock index fund. This...
by Lafder
Tue Jan 02, 2018 11:11 am
Forum: Investing - Help with Personal Investments
Topic: Help with portfolio- too complex?
Replies: 18
Views: 1998

Re: Help with portfolio- too complex?

Total value- mid 6 figures Desired allocation: 80/20, with 20% of equities international Cash reserves: 150k in mixture of CD/savings (saving for specific purchase) ((Simplification suggestions in double parentheses)) His Roth IRA (Fidelity): 4.31% IXUS (Total international stock ETF) - 0.11 3.56% I...
by Lafder
Tue Jan 02, 2018 10:59 am
Forum: Investing - Help with Personal Investments
Topic: Eval my IPS [Investment Policy Statement]
Replies: 31
Views: 2288

Re: Eval my IPS [Investment Policy Statement]

Traditional TSP: $65,038 Roth IRA: $27,284 Taxable: $5,496 Asset Allocation: ((GOAL)) Maintain 85% stock/15% bond (70% US/15% International) allocation until age 52. Assets should be reallocated 2% towards bonds per year until age 62 for a 65%/35% mix. Edited to reflect current ((ACTUAL)) overall in...
by Lafder
Mon Jan 01, 2018 11:27 pm
Forum: Investing - Help with Personal Investments
Topic: Eval my IPS [Investment Policy Statement]
Replies: 31
Views: 2288

Re: Eval my IPS [Investment Policy Statement]

You calculated your total AA . Great. :) But each of your accounts total 100% so it is impossible to tell how big the accounts are relative to each other. For example if one account has 10,000 and another has 100,000, then 50% of the first account is less than 10% of the second account. You have you...
by Lafder
Mon Jan 01, 2018 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: Problems with EJ (Is anyone surprised?) [Edward Jones]
Replies: 30
Views: 4875

Re: Problems with EJ (Is anyone surprised?) [Edward Jones]

I am sorry for your horrible experiences! This is your money and they should do what you want with it! But you need to figure out what you want :) A problem with Fidelity is that they do have higher cost products and investment advisors that can make commissions off of them. So simply saying "Fideli...
by Lafder
Mon Jan 01, 2018 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Refi After 1 Year?
Replies: 42
Views: 3124

Re: Refi After 1 Year?

No I would not refi to a higher interest loan. Are you sure the escrow shortage is one year only, or will the new amount continue ? It often changes if property tax or insurance go up, which is ongoing. Tax increasing is what is causing the escrow shortage as far as I can tell from your post. What d...
by Lafder
Mon Jan 01, 2018 10:59 am
Forum: Investing - Help with Personal Investments
Topic: Eval my IPS [Investment Policy Statement]
Replies: 31
Views: 2288

Re: Eval my IPS

Adjust THIS to total 100%, not per account. We have no idea how big each account is. All of the % should add to 100 , not per account. "Target TSP Allocation: 40% C Fund 30% S Fund 15% I Fund 15% G Fund Current TSP Account Distribution: 55.1% C Fund 43.74% S Fund 1.16% I Fund Current TSP Contributio...