Page 4 of 77 FirstFirst 1234567891454 ... LastLast
Results 61 to 80 of 1525

Thread: Investment Thread - For all your money needs

  1. #61
    Quote Originally Posted by TWDeac View Post
    That is pretty sweet. I don't have the funds to pay for a broker at this time, but I'd like to eventually do that. It would save me a lot of time.
    Those returns include his commissions. I got my parents set up in this from CDs. Have almost tripled their interest income.

  2. #62
    Quote Originally Posted by DrummerDeac View Post
    It's definitely phased out between $60-75k (single) and $120-150k (married filing jointly).
    Are there good ways to "lower" your AGI so that you fit into this category and can take the deduction? I know that some things such as contributing to a HSA can work, but are there other ways? Some thoughts I have had include things such as making my vehicle part of the business, them paying the payment directly and me taking a lower salary - not sure the legality of that situation. Any creative minds?

  3. #63
    I work for Vanguard, so I guess I'm biased. Vanguard funds come with no loads and low expense ratios. Most funds do require 3k, but you can get into the STAR for 1k which was already discussed. Also, Vanguard ETFs held through our company are commission-free for trading. I'm going to open up a Roth IRA once I get my funds completely in order.

  4. #64
    I know of a couple of short term bond finds that offer more interest than MM funds, and are conservative:
    Weitz Short Intermediate Fixed Income
    Dryden Short Term Bond
    Vanguard has several short term bond funds to consider as well

  5. #65
    Quote Originally Posted by Corgasm View Post
    I work for Vanguard, so I guess I'm biased. Vanguard funds come with no loads and low expense ratios. Most funds do require 3k, but you can get into the STAR for 1k which was already discussed. Also, Vanguard ETFs held through our company are commission-free for trading. I'm going to open up a Roth IRA once I get my funds completely in order.
    I've been to malvern a few times. Got to meet with Gus Sauter, John Bogle and Brennan

  6. #66
    Resident Astrophysicist
    TWDeac's Avatar
    Join Date
    Mar 2011
    Location
    Cincinnati, OH
    Posts
    22,067
    Blog Entries
    1
    Quote Originally Posted by Corgasm View Post
    I work for Vanguard, so I guess I'm biased. Vanguard funds come with no loads and low expense ratios. Most funds do require 3k, but you can get into the STAR for 1k which was already discussed. Also, Vanguard ETFs held through our company are commission-free for trading. I'm going to open up a Roth IRA once I get my funds completely in order.
    Oooo Nice!

  7. #67
    Resident Astrophysicist
    TWDeac's Avatar
    Join Date
    Mar 2011
    Location
    Cincinnati, OH
    Posts
    22,067
    Blog Entries
    1
    I may be mistaken here, but I can't remember ever having to wait more than 2 days for a transfer or deposit to clear. Is this set by the individual companies?

    I just transferred some money out of Truliant FCU to ING Direct and the deposit takes 2 days to show up and 5 days to clear.

    Tradeking takes 3 days to clear(I can understand this moreso than the bank accounts)



    In other news, I've been looking into ETFs recently. Decided to invest a little bit of money in a Vanguard small-cap growth etf yesterday. I'm loving the YTD and 3yr return.

  8. #68
    Resident Astrophysicist
    TWDeac's Avatar
    Join Date
    Mar 2011
    Location
    Cincinnati, OH
    Posts
    22,067
    Blog Entries
    1
    WO. Forgot about the commission to sell your stock as well. I can't imagine using any of the brokerage accounts that require more than a $5 commission to buy and sell. In my small-dollar investing world, at least.

  9. #69
    Resident Astrophysicist
    TWDeac's Avatar
    Join Date
    Mar 2011
    Location
    Cincinnati, OH
    Posts
    22,067
    Blog Entries
    1
    What do you guys think about natural resource or precious metal's ETFs?

  10. #70
    Quote Originally Posted by TWDeac View Post
    WO. Forgot about the commission to sell your stock as well. I can't imagine using any of the brokerage accounts that require more than a $5 commission to buy and sell. In my small-dollar investing world, at least.
    I like to make sure I purchase enough of each position so that overall cost of buying and selling is 1% or less of the transaction. I use Fidelity which is $8 per trade so I always buy at least $1600 of whatever I am purchasing (I reduce this to $800 when I am dollar cost averaging a position in which I have conviction as I will sell the whole lot at once at the end keeping the costs to 1% overall). If I dont have enough conviction in something than to spend at least my minimums on it then I shouldnt be buying it anyway.

  11. #71
    Resident Astrophysicist
    TWDeac's Avatar
    Join Date
    Mar 2011
    Location
    Cincinnati, OH
    Posts
    22,067
    Blog Entries
    1
    Quote Originally Posted by DentedDeacon View Post
    I like to make sure I purchase enough of each position so that overall cost of buying and selling is 1% or less of the transaction. I use Fidelity which is $8 per trade so I always buy at least $1600 of whatever I am purchasing (I reduce this to $800 when I am dollar cost averaging a position in which I have conviction as I will sell the whole lot at once at the end keeping the costs to 1% overall). If I dont have enough conviction in something than to spend at least my minimums on it then I shouldnt be buying it anyway.
    What if you don't have $1600 to invest

  12. #72
    Quote Originally Posted by TWDeac View Post
    What if you don't have $1600 to invest
    I guess thats a problem.

  13. #73
    My wife and I are lucky enough to be completely debt-free except for credit cards that we pay off in full every month. She's working here in Winston this year while I finish my master's degree, then we're both headed to D.C. with jobs there. I'm glad to be headed there without debt, but we'll be paying out our ass in rent. It's a good thing we're going to be a dual income family.

    Investment-wise the two of us have a total of ~$20K in Roth IRAs with Vanguard that is all invested in their Target Retirement 2050 fund. $3,000 minimum to get in, but this just made sense for me. Lifecycle funds like this take care of balancing themselves, and Vanguard's expense ratios are really low. Plus, the fund will adjust it's risk profile as it gets closer and closer to that target retirement date.

    If you're looking for a way to invest for retirement that will take care of itself - i.e. is well-diversified and balances itself - then a fund-of-funds like this is an excellent option. If you wanted to put a bunch of time into balancing your own portfolio then more power to you, but this gives me 95+% of the results of doing that without me having to do any work, and that's worth it to me.

  14. #74
    Resident Astrophysicist
    TWDeac's Avatar
    Join Date
    Mar 2011
    Location
    Cincinnati, OH
    Posts
    22,067
    Blog Entries
    1
    Quote Originally Posted by DentedDeacon View Post
    I guess thats a problem.
    Indeed.

    How do you have your portfolio weighted in relation to large cap, mid cap, and small cap stocks?

  15. #75
    Quote Originally Posted by TWDeac View Post
    Indeed.

    How do you have your portfolio weighted in relation to large cap, mid cap, and small cap stocks?
    I dont worry too much about weights and just invest in securities that I see potential in but as of last night my rough breakdown was as such:

    4% in bonds
    5% in commodities
    8% non-US developed
    14% non-US emerging
    4% real estate
    2% cash
    20% US small cap growth
    7% US small cap value
    13% US mid cap
    7% US large cap growth
    16% US large cap value

  16. #76
    Resident Astrophysicist
    TWDeac's Avatar
    Join Date
    Mar 2011
    Location
    Cincinnati, OH
    Posts
    22,067
    Blog Entries
    1
    Quote Originally Posted by DentedDeacon View Post
    I dont worry too much about weights and just invest in securities that I see potential in but as of last night my rough breakdown was as such:

    4% in bonds
    5% in commodities
    8% non-US developed
    14% non-US emerging
    4% real estate
    2% cash
    20% US small cap growth
    7% US small cap value
    13% US mid cap
    7% US large cap growth
    16% US large cap value
    This is probably the mindset I will have. I don't think you necessarily need specific weighting as an average investor.

  17. #77
    Resident Astrophysicist
    TWDeac's Avatar
    Join Date
    Mar 2011
    Location
    Cincinnati, OH
    Posts
    22,067
    Blog Entries
    1
    Just checked my credit score. It is in the high 700s and I still can't get a credit card because of my 2.5:1 debt to income ratio.

  18. #78
    Quote Originally Posted by TWDeac View Post
    Just checked my credit score. It is in the high 700s and I still can't get a credit card because of my 2.5:1 debt to income ratio.
    sometimes makes you wonder if wake is worth it

  19. #79
    On the topic of credit scores, I highly recommend CreditKarma (truly free credit score, in good standing with BBB, etc. I trust them with my info). Kinda like Mint (which I also use) but for credit.

    I've got a 752. Considering I only have a 5-6 year credit history and nothing but a few credit cards I'm pretty happy with that.

  20. #80
    Resident Astrophysicist
    TWDeac's Avatar
    Join Date
    Mar 2011
    Location
    Cincinnati, OH
    Posts
    22,067
    Blog Entries
    1
    Quote Originally Posted by DentedDeacon View Post
    sometimes makes you wonder if wake is worth it
    It most certainly isn't worth it

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •