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Noah posted:Or ESG funds are just a gimmick like organic for USDA foods. That fund is essentially an index fund that excludes some companies, so it’s generally going to be the same top ten as any other US stock index fund.
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Jan 30, 2021 21:57
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I remember reading that hedge funds that were unsuccessful would just shut down, return everyone’s money, and reopen under a new name, because the past losses were just a drag on their performance numbers even if they turned things around. Do actively managed mutual funds ever do that?
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Feb 21, 2021 16:28
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I unexpectedly got a “retention” stock bonus this year, vested over four years. I assume this falls under the same theory of ESPP and I should sell as soon as I am able?
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Feb 27, 2021 23:52
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punk rebel ecks posted:What's the benefit of using freetaxusa over any of the other free ones? Like they will all give me the same amount of money back right? The other ones on the IRS page aren’t free for federal if you make too much, unlike freetaxusa.
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Mar 1, 2021 13:57
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Used to be much easier when Admiral funds were all $50k or more. A bit silly to even have the concept when the limit is $3k.
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Mar 10, 2021 00:04
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Does anyone have a retirement calculator that they like better than just googling “retirement calculator”?
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Jun 21, 2021 18:06
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cheese eats mouse posted:QQ if I sold ISO and ESPP shares this year the profit of the sale factors into my AGI for 2021 correct? Even better, at a certain point, new taxes materialize: https://www.irs.gov/newsroom/questions-and-answers-on-the-net-investment-income-tax
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Jun 29, 2021 01:56
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Yeah, Vanguard charges low fees because they are customer owned. Fidelity charges low fees to compete with Vanguard. Practically, either way you are paying low fees. Beyond that, it’s a personal decision.
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Jul 14, 2021 18:53
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knox_harrington posted:Is this like $500/250 thousand? I appreciate this is what you're all discussing but wow that is incredibly low. I had a check and my car is 100m chf ($110m) cover. I mean, paying 400 to get 110M coverage is pretty wacky too and implies there is some other factor that makes paying out that much incredibly unlikely, like capped lawsuit payouts.
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Aug 4, 2021 13:01
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The problem I ran into several years ago was that various levels of bank employee were allowed to provide signature guarantees at various dollar amounts and the Treasury Direct form doesn’t have a dollar amount so they wouldn’t touch it. Yeah this is stupid.
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Aug 11, 2021 22:26
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In the new Vanguard iPhone app, how do you just buy $1000 of a fund with money transferred from a bank account? This is the only thing I do and I can’t figure out how to do it one step. It looks like now it wants you to do the funds transfer into your settlement account separately from buying the fund. Not a big deal and you don’t have to wait in between but seems dumb.
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Nov 6, 2021 14:25
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Velius posted:Yeah, I probably shouldn’t blame the union but it feels like this sort of thing doesn’t happen if multiple parties aren’t on board with loving over the employees of the future. It’s been going on for decades at this point. In Connecticut, to be in the Tier 1 pension you had to be hired before 1984. That was the 2% at age 55 with 25 years of service plan, which has run a deficit forever.
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Nov 14, 2021 15:08
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… but refuse to sell anything because then you will owe taxes on the gains.
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Dec 1, 2021 14:02
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The proposed increase in the long term capital gains to 25% is currently out. It was also planned to be retroactive back to September 2021.
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Dec 9, 2021 16:12
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Do 25 year old EE bonds count as long term investing? Man, that has to be the worst way to turn $50 into $100. Earning 0.75% interest.
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Dec 18, 2021 17:57
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Aha, I did not realize that they were guaranteed to double so yes that isn’t bad.
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Dec 18, 2021 18:28
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Note that the tax return ones are paper ones, not in Treasury Direct. They are pretty cool looking although less convenient.
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Dec 28, 2021 14:59
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Also came up recently because they only announced the 7.12% rate on November 1. Previous six months it had been 3.54% which wasn’t too exciting given all the savings bond caveats.
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Dec 29, 2021 19:49
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Heh, that makes a lot of sense actually.
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Dec 30, 2021 14:52
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That fund is: 55% VTSAX, up 26% over 1y 35% VTIAX, up 10% 10% various bond funds which are probably even or negative So yeah, would have needed to sell a decent amount of VTSAX to rebalance. Not sure when they do that exactly.
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Dec 31, 2021 20:30
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CubicalSucrose posted:I asked my CPA for a reco, but he didn't have any good ones. Started Googling. Found one I liked, was like $3k for a trust, medical power of attorney, financial power of attorney. And easy to talk with. From discussions with friends and family since then, I probably could've found someone for about $1500 if I really worked for it.
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Dec 31, 2021 21:13
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The Puppy Bowl posted:ESG funds are a scam, yeah? Looking at the top ten holdings of Vanguard's social index fund and it's nearly identical to the holdings of VTSAX. It's not a scam per se but most of them are not "invest in good companies" but rather "do not invest in bad companies." And there are very few bad companies. Also personally I'm not sure that ESG + index go well together. Feels like you start to need a lot of human judgement once you start rating companies on non-financial factors.
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Jan 2, 2022 18:50
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Matt Levine had a good bit recently about ESG:quote:You could have a model of environmental, social and governance investing in which:
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Jan 2, 2022 21:55
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Personally, I think it’s still worth suggesting Vanguard to new investors. It’s VERY easy to go to Fidelity and buy their Target 2040 fund with a 0.75% expense ratio (FFFFX) because you missed the word “index” in the name.
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Jan 3, 2022 23:28
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I have to say that the theory of diversification is bit hard to take when you realize the percentage of your portfolio in bonds literally lost money in the last 12 months.
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Jan 4, 2022 01:57
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I think for me it’s just better when it’s mixed in with a target date fund and you don’t see the bad performing part. Purely psychological of course.
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Jan 4, 2022 02:18
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drk posted:Not terrible for someone who highly values instant access to their money via ATM or Debit card, but for funds that are unlikely to be needed in less than a few days or so, its not great. Practically speaking, having a linked checking and savings at some place like Ally is sufficient for this. Transfers to checking are instant.
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Nov 4, 2022 13:16
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Harry posted:Marcus and Ally usually do new funds deposit bonuses so one of each will usually net you a couple of hundred dollars every year. I would wait until Marcus is running a promotion to open an account though. Looks like the promo is generally 1% of funds deposited and you have to keep the funds there for a few months. Personally I don’t mind chasing sign up bonuses on credit cards but bank and brokerage accounts can be a pain. You are moving large amounts of your own money around which goes wrong sometimes and requires “dealing with it” which I don’t like.
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Nov 17, 2022 14:00
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Just add “US” to the start of the thread title.
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Nov 22, 2022 13:04
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They liquidated the liquidity fund, hehe.
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Dec 1, 2022 14:31
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Spent a bit of time today trying to get better records sorted out for my very long-lived taxable investments at Vanguard that include some non-covered stuff from before 2012. Really regretting that one year I set all my dividends and capital gains from all my funds to reinvest in VTSAX. Also love how Vanguard has 20+ years of records but the data varied over the years and they never cleaned it up. Like funds have different identifiers before and after they converted people to brokerage accounts. Or like how reinvested dividends used to be in the "Dividend" category with a purchase amount and price, but now they are in the "Reinvestment" category and "Dividend" is just the ones you took as cash.
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Dec 17, 2022 20:33
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Space Fish posted:For comparison's sake, the only funds I use from my own workplace's fund menu are S&P 500 and US small cap index funds due to all the rest having higher ER, and it took me several months to hold my nose and include a EuroPacific fund with a 0.46 ER.
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Dec 18, 2022 03:41
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GoGoGadgetChris posted:Two people, no kids, 9 nights, airfare to and from Maui from the west coast was about $12k That's why everyone at my job takes off the second half of December, because they can't afford the vacations to use their vacation days. Not that taking four nine-day vacations a year seems necessary... that's a lot of travelling.
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Dec 19, 2022 00:14
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Has anyone read a good article on the potential new changes to 401k plans that congress is talking about?
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Dec 22, 2022 14:33
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AreWeDrunkYet posted:They're just changing the defaults, employees can still do whatever. Also existing plans don’t have to do it at all, so it will take effect very slowly.
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Dec 22, 2022 18:27
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I assume that the cost to the employer is reduced by having high fee funds. And then they have a single S&P 500 fund that is reasonable so they can point the complainers to it. Edit: Checked my wife’s plan and the fees for her BlackRock S&P 500 Index is 0.14 and all the target retirement ones are around 0.90 and a few other ones get down to 0.65. So we are all in on the cheap one and diversify elsewhere. smackfu fucked around with this message at 18:29 on Dec 25, 2022 |
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Dec 25, 2022 18:16
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Brain Curry posted:Is there another term besides mega backdoor? We switched retirement providers and I will have access to Roth and Traditional 401k space. I’m curious if there’s other language to describe it I should look for when I read their docs, or if the retirement management company would call it that. We have Principal Financial (who bought out Wells Fargo Retirement) and they call it Super Roth. It’s a checkbox in the after-tax election section.
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Jan 8, 2023 01:18
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The Vanguard sweep money market fund has a better return rate than my Ally HYSA. Has that always been the case?
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Feb 4, 2023 16:36
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MrLogan posted:I still get mad that Boomers cut social security by 16% for later generations, but not themselves. The thread was just chatting about defined benefit pensions and those are the worst for this, especially unions that have to vote on any changes. Our state has like five tiers of pensions over the years, decreasing in quality.
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Feb 24, 2023 02:39
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Is it typical that the target date funds for a 401K at a Fortune 500 company would have 0.3-0.4% fees? Feels like someone is making a lot of money just to rebalance since the underlying index funds are like 0.02-0.04%.
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Feb 25, 2023 14:46
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