Welcome, Guest
You have to register before you can post on our site.



Search Forums

(Advanced Search)

Forum Statistics
» Members: 189
» Latest member: BTDretire
» Forum threads: 181
» Forum posts: 1,216

Full Statistics

Online Users
There are currently 3 online users.
» 0 Member(s) | 2 Guest(s)

Latest Threads
Will expensive home price...
Forum: Taxes
Last Post: toganet
26 minutes ago
» Replies: 0
» Views: 1
Married, 48. Saved $2.5M....
Forum: Retirement
Last Post: toganet
28 minutes ago
» Replies: 11
» Views: 254
I'm 75. I have a ROTH IR...
Forum: Life Events
Last Post: toganet
29 minutes ago
» Replies: 0
» Views: 1
Ignorant tax question
Forum: Taxes
Last Post: Ynari
31 minutes ago
» Replies: 0
» Views: 1
2017 Federal Tax Reform
Forum: Taxes
Last Post: Ynari
32 minutes ago
» Replies: 17
» Views: 171
Anyone using Fidelity Fid...
Forum: Estate
Last Post: Ynari
33 minutes ago
» Replies: 2
» Views: 31
Leaving money to grown ch...
Forum: Estate
Last Post: Ynari
34 minutes ago
» Replies: 6
» Views: 105
How do you live off divid...
Forum: Retirement
Last Post: Ynari
34 minutes ago
» Replies: 12
» Views: 625
Roth conversion for aging...
Forum: Retirement
Last Post: Ynari
36 minutes ago
» Replies: 4
» Views: 144
Social Security in a dive...
Forum: Social Security
Last Post: Ynari
38 minutes ago
» Replies: 0
» Views: 1

  Will expensive home prices tank because of tax reform
Posted by: toganet - 26 minutes ago - Forum: Taxes - No Replies

With a limit of 10k of real estate tax deductibility, will this hurt the value of high end homes and also the purchase of vacation homes given the 10 k. Limit

  I'm 75. I have a ROTH IRA. Can i still contribute to it?
Posted by: toganet - 29 minutes ago - Forum: Life Events - No Replies

I'm 75.  I have a ROTH IRA.  Can i still contribute to it?

  Ignorant tax question
Posted by: Ynari - 31 minutes ago - Forum: Taxes - No Replies

My wife, with her MBA, does the taxes. Me, as a lowly engineer, is tasked with creating spreadsheets projecting cash flow in retirement. My question concerns marginal Federal tax rates. The projection for 2020 includes $405K in ordinary income and $125K in qualified dividend income. When estimating taxes I assume a $24K standard deduction. What are the appropriate rates for each income group? I am assuming that the qualified dividends are taxed at 20% + 3.8% and the ordinary income $91379.00 35% over $400K  

  Social Security in a diversified portfolio.
Posted by: Ynari - 38 minutes ago - Forum: Social Security - No Replies

Why do most financial planners not count social security as part of your diversified portfolio? (60% cash, bonds, 40% stocks. Social security should count in this 60% example)

  Tax free bond fund
Posted by: Ynari - 40 minutes ago - Forum: Funds - No Replies

A little over 3 years ago I started buying FTABX I have been putting money into it a few times a year. It pays me $100.00 a month but the fund is down 5%, I don't think I have ever seen it to be on the plus side is this normal or should I sell it and move it so thing else?

  HSA in Retirement - Tax Advantage?
Posted by: Ynari - 49 minutes ago - Forum: Retirement - No Replies

I retired early this year at age 60. I have a non-employer HSA account that I was funding with after tax wage earnings and then claiming the credit on my taxes. Now that I’m retired, I’m taking taxable distributions from my retirement account.
Is there any advantage in still funding the HSA?  Seems the answer would be no, since I’m paying taxes on the IRA distribution only to turn around and claim a tax credit on my tax return. Am I missing something?  Seems like it should be more complicated than that, since nothing Involving the tax code is ever simple.
Thanks for your insight.

  REITS for Retirement
Posted by: stoaX - 1 hour ago - Forum: Retirement - No Replies

What do you"all think about REITS for retirement income. 20% of my account is in REITS. I own O, SPG, STOR, WPC, EPR, and STAG. Any thoughts?

  Need to do a Roll Over of 25% of our assets.
Posted by: stoaX - 1 hour ago - Forum: Life Events - No Replies

The new Trend and Volatility are NOT my friend.
Any ideas on a 401k transfer from an Empowerment Retirement account to another company sponsored Fido 401k?
Wife has been told they will issue a check to the new account, not in her name, that she deposits to the new account.
This is a qualified RollOver.
With Mr Market tanking/recovering slightly on a day to day/week to week basis, what's the best way to accomplish this?

  What is important to you when selecting a Fund?
Posted by: Marty998 - 12-12-2018, 06:54 AM - Forum: Funds - Replies (2)

What criteria to you use when selecting funds?
In my own case, I have a planned asset allocation (e.g., US Large Caps x%, Emerging Markets y%, Intermediate Bond Funds Z%, etc.). Then, for a given asset class, I may own one or more funds.  I will consider both mutual funds and ETFs.  I have a preference for low-cost passive index funds, but will consider low-cost active funds as well.
The general criteria I use in selecting funds to own are as follows:
1. Performance versus similar funds in the same asset class.  If one fund shows a continued deterioration versus another, I will favor the one that consistently does better.  However, if the performance seems to cycle, I might consider the one that is currently out of favor.
2. Expenses. I try to keep annual expenses low. No-Load mutual funds only. The acceptable annual expense level may depend on the particular asset class. Consider transaction costs.
3. Turnover. Funds with lower turnover will have lower "hidden" costs (transaction fees/ bid-ask spreads, etc.) that do not show up in the annual expenses. (You may find transaction cost information in the Statement of Additional Information  (SAI) for a fund).  Funds with high turn-over may also be more vulnerable to paying capital gains, which can result in costs in taxable accounts.  Note that most bond funds are generally going to have higher turn-over than equity funds (e.g., as bonds are replaced when they expire or are sold).
4. Manager tenure. Longer is usually better.  (But if there is a forthcoming change, the new manager may sell the old holdings and buy new holdings, resulting in higher turnover/capital gains.)
5. Size and liquidity (especially for ETFs). Bigger is generally better.  For ETFs, be careful about tracking error and premium/demium to Net Asset Value (NAV).
6. Tax-efficiency, especially in taxable accounts.   Be aware of potential Capital Gains Exposure.  Consider after-tax results.  ETFs are generally more tax-efficient than mutual funds, although there are some mutual funds that are tax-efficient.  (Vanguard's structure - where ETFs are another mutual fund class - helps allow some of their mutual funds to avoid capital gain distributions.) Note that some currency-hedged funds may potentially throw off the hedging benefits as ordinary income. (I personally prefer non-hedged equity funds as the currency volatility may provide buying/selling opportunities as I re-balance).
7. Longevity of a fund. I would not consider a fund without an adequate track record (e.g., 5 years).  Be wary of a fund has not gone through a particular cycle (e.g., economic downturn; interest rate increase).
8. Yield for bond funds.  But yield is not the only consideration. Credit Quality and Duration are equally important.  The particular sector exposure may also be important (e.g., energy, Russia).
9. Credit-quality for bond funds.  There has to be an adequate premium for lower quality (e.g., 5% higher yield for junk vs Treasuries). If an economic downturn is coming, higher yield bonds may be impacted significantly. Limit exposure to below-investment grade funds (say, to <15% of fixed income).
10. Duration for bond funds.  As interest rates rise, longer duration bonds may be negatively impacted - at least in the near term. (They may benefit if rates fall).
11. Leverage risk. I avoid funds which utilize leverage, as there may be risks that only become apparent when something goes wrong. (There may be others who do not mind taking this risk).
13. Closed End Fund premium/demium to NAV, but I do not personally use Closed End Funds.
14. Preferred Stock Funds have similar considerations to both equity and bond funds, but I do not personally use Preferred Stock funds.
Do you agree/disagree with my list? Do you have other factors to add to the list? 

  Did anybody have the nerve to buy the dip?
Posted by: SilverAg47 - 12-04-2018, 07:48 PM - Forum: Stocks - Replies (6)

Everybody that has  money on the sidelines did they put any to work the last few days.  Buy low sell high or when their is fear in the eyes.. Well the last two days we sure had fear.  I wonder how much Buffet brought.  I personally brought all of 5 shares of  (amzn) yesterday.  I find it very hard to do,  Did anybody take advantage of it?