Search found 941 matches

by JDDS
Wed Mar 17, 2021 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: Recommendations for Solo 401k
Replies: 18
Views: 685

Re: Solo 401k Face-Off: Fidelity vs eTrade

the in-plan Roth rollover feature makes Etrade better to me, as Spirit Rider described:

viewtopic.php?p=5543227#p5543227

I also appreciate the no-fee admiral shares of total stock and total international that I use.
by JDDS
Mon Jan 18, 2021 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard 1099-DIV Missing a Fund
Replies: 260
Views: 17002

Re: Vanguard 1099-DIV Missing A Fund

Just reviewed my 1099 div and noticed VFWAX was missing, glad there's already a thread. Individual account on the old platform, I held the fund through all 4 quarterly distributions in 2020. My plan is to do nothing since they must know about it by now. Ugh, now I have to go check the 1099b, which I...
by JDDS
Sun Dec 20, 2020 2:44 am
Forum: Investing - Theory, News & General
Topic: Buy I bonds (and/or EE bonds) if I have access to the TSP G fund?
Replies: 7
Views: 928

Re: Buy I bonds (and/or EE bonds) if I have access to the TSP G fund?

I bought I bonds this month because they are an attractive short term investment even if they don't work out long term. Reading that the Federal reserve wants to see higher inflation rates on depositaccounts.com makes me think they may work out long term as well. Reading TIPS watch also makes me thi...
by JDDS
Mon Dec 14, 2020 2:40 am
Forum: Personal Investments
Topic: 27 years old - How am I doing?
Replies: 30
Views: 4546

Re: 27 years old - How am I doing?

Sounds like you're doing great; you've done your homework for 2021. You're already not paying interest on the car, given that you really like it, you'll likely have it for several years, enjoy it.
by JDDS
Sun Dec 13, 2020 12:37 am
Forum: Personal Investments
Topic: Questions re: Vanguard target funds
Replies: 7
Views: 906

Re: Questions re: Vanguard target funds

The general allocation of a Vanguard 2060 target retirement portfolio says its probably total international stock. Approx 90% of the portfolio should be stocks, and then 40% of that international. It looks like some of the trusts that Vanguard uses are using multiple vehicles to get the total intern...
by JDDS
Sat Dec 12, 2020 7:59 pm
Forum: Personal Investments
Topic: For those of you at etrade can you sell a vanguard fund and buy another vanguard fund the same day?
Replies: 12
Views: 824

Re: For those of you at etrade can you sell a vanguard fund and buy another vanguard fund the same day?

I have an Etrade solo 401(k) with a Vanguard target date fund. If I click Trade > Exchange I get the following list of options I can exchange into and the message "Funds can only be exchanged within the same fund family. If you do not see the mutual fund you wish to exchange into, please conta...
by JDDS
Sun Nov 22, 2020 4:49 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Large Value closure
Replies: 7
Views: 1065

Re: Vanguard Large Value closure

Probably already discussed here, but just wondering what the BHs think of the closure of Vanguard Large Value (VUVLX)? Is it getting merged into some other similar Vanguard fund? Thanks all. Just to be clear the fund in question that is closing is Vanguard US Value. It is an actively managed fund n...
by JDDS
Mon Nov 16, 2020 11:01 pm
Forum: Personal Investments
Topic: Vanguard's 2020 capital gains estimates
Replies: 67
Views: 9374

Re: Vanguard's 2020 capital gains estimates

Is VITNX just a different share class of VTSAX? If so, a nearly 8% distribution from total stock market is expected? I thought this was a tax efficient fund. And other funds like Life Strategy and Target Retirement have much smaller distributions despite holding total stock market in large amounts ...
by JDDS
Tue Oct 27, 2020 11:58 pm
Forum: Personal Finance (Not Investing)
Topic: Yet another pay down my mortgage thread....
Replies: 37
Views: 2080

Re: Yet another pay down my mortgage thread....

I moved this thread to personal finance
by JDDS
Sat Aug 08, 2020 10:03 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's journey to Amazon Web Services
Replies: 17
Views: 2754

Re: Vanguard's journey to Amazon Web Services

I've watched some of these Vanguard re-invent sessions in the past. Generally I've heard good things. Disclosure that my employer uses AWS services and I'm one of the primary people responsible for our day-to-day use of them.
by JDDS
Thu Jul 30, 2020 4:55 am
Forum: Investing - Theory, News & General
Topic: Increasing TSP Fund Expense Ratios
Replies: 62
Views: 5218

Re: Increasing TSP Fund Expense Ratios

Vanguard is also able to price funds to be competitive on ER, rather than strictly allocating expenses to each fund; I was under the impression that Vanguard's ER's were based on the costs for each fund. So, they couldn't offer loss-leaders like Fidelity. When I was a fund accountant, it was my imp...
by JDDS
Tue Jul 28, 2020 1:33 am
Forum: Investing - Theory, News & General
Topic: Increasing TSP Fund Expense Ratios
Replies: 62
Views: 5218

Re: Increasing TSP Fund Expense Ratios

The TSP, even with its clunkiness, is still an excellent plan. As they have added new and more flexible features, costs have gone up. I don't find that surprising. While the TSP is no longer the lowest cost plan on the planet, it is still an excellent plan. I think there is an inherent conflict bet...
by JDDS
Mon Feb 24, 2020 11:30 pm
Forum: Personal Investments
Topic: [solo 401(k)] Is there a trick to avoiding the 21-page etrade forms?
Replies: 6
Views: 696

Re: Is there a trick to avoiding the 21-page etrade forms?

No trick, that's what is needed, and that's not drmatically different than I remember Vanguard's being several years ago. The form will seemingly ask for the same info in multiple places too, that's because you as a person might play several roles within the 401(k): employee, employer, plan administ...
by JDDS
Wed Feb 19, 2020 1:00 am
Forum: Personal Finance (Not Investing)
Topic: Set my heart on a Navy Federal Credit Union mortgage...anyway I could join?
Replies: 32
Views: 5721

Re: Set my heart on a Navy Federal Credit Union mortgage...anyway I could join?

Both of my grandfathers served in the military. I had to call to join, and I told them my grandfather had served in the navy, I think I gave them his name but I don't remember. . I used the one who served in the navy since it seemed apt and I knew my mom had his discharge papers if I needed them, I ...
by JDDS
Sun Feb 16, 2020 9:41 pm
Forum: Personal Investments
Topic: Solo 401k at Vanguard not allowing rolling in IRA
Replies: 75
Views: 3102

Re: Solo 401k at Vanguard not allowing rolling in IRA

As SpiritRider says, a business might maintain both a defined contribution and a defined benefit plan. The instructions for 5500-EZ say: Who Must File Form 5500-EZ You must file Form 5500-EZ for a retirement plan if the plan is a one-participant plan or a foreign plan that is required to file an ann...
by JDDS
Sun Feb 16, 2020 6:36 pm
Forum: Investing - Theory, News & General
Topic: News: White House considering tax incentive to get Americans to buy stocks
Replies: 2
Views: 1561

Re: News: White House considering tax incentive to get Americans to buy stocks

Locked, legislative proposals are off topic In order to avoid the inevitable frictions that arise from these topics, political or religious posts and comments are prohibited. The only exceptions to this rule are: ... Discussions about enacted laws or regulations that affect the individual investor. ...
by JDDS
Wed Jan 22, 2020 4:52 pm
Forum: Personal Investments
Topic: Difficulty of Moving Vanguard Solo 401k to Another Custodian
Replies: 3
Views: 247

Re: Difficulty of Moving Vanguard Solo 401k to Another Custodian

In my experience it was just a bunch of paperwork. It should seem somewhat familiar since you have an existing Vanguard plan. I moved mine to eTrade. After I took a stab at filling out the info I called a rep (call the number on the paperwork to go direct to right department) and asked for advice on...
by JDDS
Tue Jan 21, 2020 11:47 pm
Forum: Personal Consumer Issues
Topic: Chase Bank Bonus Issue
Replies: 45
Views: 4487

Re: Chase Bank Bonus Issue

I did a similar bonus early last year, it took several days for my $15k to hit the savings account. Several days because Chase required a phone call to the existing institution with me on the line to confirm I had the money. I had never had this happen before and it felt somewhat embarrassing, thoug...
by JDDS
Tue Jan 21, 2020 4:11 pm
Forum: Investing - Theory, News & General
Topic: Total Stock Market Index - Section 199A dividends this year
Replies: 170
Views: 24116

Re: Total Stock Market Index - Section 199A dividends this year

In the olden days (i.e., last year), the 97.15% of qualified dividends paid by this fund, since it is above 95%, would have been rounded up to 100%. This year, there was no rounding and one gets at best 20% off ones usual marginal rate on the 2.85% non-qualified dividends. Thanks, I had not yet rea...
by JDDS
Tue Jan 21, 2020 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard tax documents now becoming available
Replies: 32
Views: 4388

Re: Vanguard tax documents now becoming available

Vanguard's estimates for QDI were reasonably close for the funds that I track: Total Stock Market: Est= 95%, Actual= 93.8%, Large Cap: Est= 98%, Actual= 97.1%, Mid Cap: Est= 84%, Actual= 83.2%, Small Cap: Est= 73%, Actual= 69.4%. Also a comparison to December distribution estimates: Total Stock Mar...
by JDDS
Tue Jan 21, 2020 3:29 pm
Forum: Investing - Theory, News & General
Topic: Total Stock Market Index - Section 199A dividends this year
Replies: 170
Views: 24116

Re: Total Stock Market Index - Section 199A dividends this year

Interesting.
Large cap index is showing about 2.84%
by JDDS
Tue Jan 21, 2020 2:26 am
Forum: Personal Finance (Not Investing)
Topic: FI and/or RE: did you change your "magic number"?
Replies: 24
Views: 2393

Re: FI and/or RE: did you change your "magic number"?

I set my first minimal goal something like 7 or 8 years ago and have recently hit it. I knew then that due to inflation and probably other things that it would not be enough. Given that life changes, what is a more realistic goal now, and how confident will I be in it? I'm evaluating.... :)
by JDDS
Mon Jan 20, 2020 10:56 pm
Forum: Investing - Theory, News & General
Topic: Does Vanguard ever split shares?
Replies: 13
Views: 4287

Re: Does Vanguard ever split shares?

Yeah, there was a recent thread asking about the extra pennies that show up or are phantoms based on rounding with only 3 decimal places for shares, especially when the per share price is high. There could be an argument that 4 digits should be used or the shares split, or in all honesty it is proba...
by JDDS
Mon Jan 20, 2020 1:53 pm
Forum: Investing - Theory, News & General
Topic: Does Vanguard ever split shares?
Replies: 13
Views: 4287

Re: Does Vanguard ever split shares?

VOO, the S&P 500 ETF, did a reverse split a few years ago. I think they wanted the share price to more closely match another 500 ETF SPY. It may be marginally more efficient to trade fewer shares as well, sorry hazy on the reasoning.
by JDDS
Mon Jan 20, 2020 1:43 am
Forum: Personal Finance (Not Investing)
Topic: Proposed new Required Minimum Distribution (RMD) wiki page
Replies: 80
Views: 5338

Re: Proposed update to Non-Deductible IRA wiki article

Thanks for working on this update.

In the table for comparing between the accounts, should the descriptions for withdrawals between non-deductable and taxable be the same? Growth is fully taxed; return of basis is tax-free
by JDDS
Mon Jan 20, 2020 12:29 am
Forum: Personal Investments
Topic: Payroll deduction vs direct funding for HSA?
Replies: 9
Views: 772

Re: Payroll deduction vs direct funding for HSA?

With contributing to the HSA via payroll, if your wife earns more than $130k, essentially you will not pay the additional Medicaid tax of 1.45%. If you contribute to Fidelity HSA on your own, you will. That makes the Fidelity HSA a front-loaded mutual fund with 1.45% load. Stripped to the bare esse...
by JDDS
Fri Jan 17, 2020 11:59 pm
Forum: Investing - Theory, News & General
Topic: What is considered a lot of money to have saved up?
Replies: 61
Views: 7806

Re: What is considered a lot of money to have saved up?

It's all relative. I think I have a lot saved because this is the most I have ever had saved. I have friends who have saved a lot in their minds but it may be half of what I have saved. Others on this board may be able to say they have 2x-many times what I have, so my savings is not a lot to them. T...
by JDDS
Fri Jan 17, 2020 1:31 pm
Forum: Personal Investments
Topic: Silly questions about Vanguard's "tiers"
Replies: 39
Views: 6276

Re: Silly questions about Vanguard's "tiers"

I transferred out some assets so it'll be interesting to see how long it takes them to downgrade me. When I first transferred assets to VG, I had some mutual funds at other companies. One of those funds had a transaction fee. The fee was $20 for Voyager rather than $35 for no status. That's the only...
by JDDS
Sun Jan 05, 2020 1:25 am
Forum: Investing - Theory, News & General
Topic: How important are Fund's Unrealised Cap Gains?
Replies: 2
Views: 390

Re: How important are Fund's Unrealised Cap Gains?

For widely traded ETFs and Vanguard mutual funds that also have an ETF share class, the unrealized gains seems less relevant. The funds often are able to use the redemption process for large participants to get rid of the capital gains on their books through an in-kind exchange...when done at scale ...
by JDDS
Sat Jan 04, 2020 10:00 pm
Forum: Personal Investments
Topic: rounding down on mutual fund transactions?
Replies: 14
Views: 889

Re: rounding down on mutual fund transactions?

for shares at 298.59 then 20.094 = 5999.87 (rounded up), 13 cents off whereas 20.095 = 6000.17 (rounded up), 17 cents off Perhaps next time the round will be in your favor. The fund gets $6k regardless of the rounding direction, so hopefully this averages over time. I also noticed this several years...
by JDDS
Fri Jan 03, 2020 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: Navy Federal Master Card Pay Balance in Full
Replies: 6
Views: 761

Re: Navy Federal Master Card Pay Balance in Full

I too had this recent experience. The representative I spoke to knew the answer 'no that's not possible', quickly enough that I am guessing they get this regularly. It was easy enough to jump through the screens to make a one time payment but it sure would be nice to have it automated. Perhaps in a ...
by JDDS
Thu Jan 02, 2020 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: How are we doing? Just turned 30
Replies: 12
Views: 1895

Re: How are we doing? Just turned 30

You're doing great. For the income based repayment of the student loans, you should likely expect that amount to increase, as you are making a big jump in your income this year. I don't know how the timing of it all works, but I think you should look into it if you haven't already. It seems this is ...
by JDDS
Thu Jan 02, 2020 7:19 pm
Forum: Personal Investments
Topic: VTSAX (Total Stock) vs. VTCLX (Tax-Managed Capital Appreciation)
Replies: 12
Views: 1822

Re: VTSAX vs. VTCLX

without an ETF share class there's no heartbleed approach to jetisening capital gains, but it has tax management in the name

I do see
Unrealized appreciation/depreciation as a % of NAV
is 41.78 for VTSAX but 60.5 for VTCLX
by JDDS
Thu Jan 02, 2020 1:55 am
Forum: Investing - Theory, News & General
Topic: Vanguard Lowers Expense Ratios on 56 Funds
Replies: 73
Views: 7921

Re: Vanguard Lowers Expense Ratios on 56 Funds

For many funds in the last year a bunch of higher cost investor shares got converted to lower cost admiral sharesWhen trying to allocate costs between admiral and ETF shares, it would follow that admiral shares might cost more to admin today than in the past, i.e. more than ETF shares. I stil think ...
by JDDS
Wed Dec 11, 2019 11:35 pm
Forum: Personal Finance (Not Investing)
Topic: What is the best 2% cash back credit card w/ no annual fee, now that Citi has stripped the Double Cash of key benefits?
Replies: 83
Views: 15737

Re: What is the best 2% cash back credit card w/ no annual fee, now that Citi has stripped the Double Cash of key benefi

I recently got a 2% card that has a below average annual fee; given the signup bonus and other benefits I think it will be worth it, time will tell. I figured it was important to look at the overall rate of benefits, not just if there was 0 annual fee. That sounds like the Navy Federal Credit Union...
by JDDS
Tue Dec 10, 2019 11:34 pm
Forum: Personal Finance (Not Investing)
Topic: What is the best 2% cash back credit card w/ no annual fee, now that Citi has stripped the Double Cash of key benefits?
Replies: 83
Views: 15737

Re: What is the best 2% cash back credit card w/ no annual fee, now that Citi has stripped the Double Cash of key benefi

I recently got a 2% card that has a below average annual fee; given the signup bonus and other benefits I think it will be worth it, time will tell. I figured it was important to look at the overall rate of benefits, not just if there was 0 annual fee.
by JDDS
Tue Dec 10, 2019 11:24 pm
Forum: Investing - Theory, News & General
Topic: Navy Fed (NFCU) CD Special 3% - 37mos
Replies: 19
Views: 3171

Re: Navy Fed (NFCU) CD Special 3% - 37mos

I'm a bit confused here. Why would anyone fund an IRA, either traditional or Roth, within a bank or CU Certificate of Deposit? Are you already a senior citizen? Extremely risk-averse? Please explain :? I've considered CDs similar to this one before. It's not really a different decision for a taxabl...
by JDDS
Tue Dec 10, 2019 11:21 pm
Forum: Personal Finance (Not Investing)
Topic: Does 95% QDI = 100%
Replies: 12
Views: 1461

Re: Does 95% QDI = 100%

I'm sure the reaction to the number increasing is happy people, whereas the number going down gets people grumbling.

?Another perspective is that they are providing the actual number, it is just a quirk that if it is above 95% then they will get to round up on all the finalized stuff.
by JDDS
Mon Dec 09, 2019 10:15 pm
Forum: Personal Consumer Issues
Topic: Question re Ability of ISP to Track Website Visits
Replies: 15
Views: 1208

Re: Question re Ability of ISP to Track Website Visits

For https encrypted connections your ISP can likely see the domain bogleheads.org in two different places - the DNS resolution when bogleheads.org is turned into an IP address - when the https (TLS) handshake is done, many sites take advantage of Server Name indication, which transmits the domain bo...
by JDDS
Fri Dec 06, 2019 1:18 pm
Forum: Investing - Theory, News & General
Topic: New fund for Target date and LifeStrategy funds
Replies: 5
Views: 1567

Re: New fund for Target date and LifeStrategy funds

“As our Target Retirement series and LifeStrategy Funds have grown, they have become increasingly large shareholders of their underlying index funds,” said Vanguard Chief Investment Officer Greg Davis. “We believe it is in the best interest of shareholders to segregate the transaction costs produce...
by JDDS
Sat Nov 30, 2019 6:24 pm
Forum: Personal Investments
Topic: Longtime Lurker Needs Advice
Replies: 17
Views: 3124

Re: Longtime Lurker Needs Advice

Welcome. Some thoughts 1. After I use the money in my savings account to pay off my credit card debt before 1/7/2020, should I hold off on my contributions to my retirement accounts and focus completely on building the savings account back up for the EF and the marriage/honeymoon before putting anym...
by JDDS
Mon Nov 25, 2019 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Strange email from Synchrony about Amazon Prime Store Card
Replies: 35
Views: 10414

Re: Strange email from Synchrony about Amazon Prime Store Card

I might have won, I got 3 total emails from them, and all I have is a savings account.

I figured it was an engineer having an awful day, so figured if I didn't find reports like this one tonight I'd call in the morning, thanks to those who did the calling. :)
by JDDS
Fri Aug 09, 2019 12:19 am
Forum: Personal Finance (Not Investing)
Topic: Bogleheads, give me strength to resist a car purchase when I find myself way ahead of our financial goals
Replies: 61
Views: 4794

Re: Bogleheads, give me strength to resist a car purchase when I find myself way ahead of our financial goals

In the first quarter of 2019, due to pure luck, we had already reached our year-end financial goal. Albeit on paper. Bingo, lots of luck. Your comments make me think you understand that this is an oddity, not necessarily going to happen again. However, the yearly goals give me pause. You may make t...
by JDDS
Mon Aug 05, 2019 5:50 pm
Forum: Personal Investments
Topic: Buy During This Dip?
Replies: 99
Views: 13858

Re: Buy During This Dip?

My stock allocation has been a few percent short of target for a while now. I decided not to wait for regular ongoing contributions to catch it up. I bought some total US and total international today. That will get me about halfway there. If I hear the market is going down again this week I'll prob...
by JDDS
Sat Aug 03, 2019 12:59 am
Forum: Personal Investments
Topic: Best CD Rates?
Replies: 20
Views: 4437

Re: Best CD Rates?

by JDDS
Sat Aug 03, 2019 12:31 am
Forum: Personal Investments
Topic: Does it bug anyone else that Vanguard only has money market for cash?
Replies: 101
Views: 9628

Re: Does it bug anyone else that Vanguard only has money market for cash?

It does not bug me. I am comfortable with VMMXX risks, which to me seem small. When it was yielding 0.01% I was more quick to move my money, now I think it is getting a good rate, so I am not worried about cash that might sit there for a bit.
by JDDS
Thu Aug 01, 2019 7:04 pm
Forum: Personal Investments
Topic: Vanguard Frustrations - No Free Trades/Matching Offers
Replies: 75
Views: 4428

Re: Vanguard Frustrations - No Free Trades/Matching Offers

Since they don't normally do these types of requests, I wonder if they even technologically have that capability.
by JDDS
Thu Jul 25, 2019 12:06 pm
Forum: Personal Consumer Issues
Topic: Does your bank charge fees for personal ACH transfers to other banks?
Replies: 32
Views: 2057

Re: Does your bank charge fees for personal ACH transfers to other banks?

Using ACH for the bank or credit union on your behalf costs them something for sure. However, unless you are being compensated in some other way, say with a great interest rate from them, I would expect ACH to be included, i.e. no fee.