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Old 06-27-2016, 11:23 AM  
DaFace DaFace is offline
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Investing megathread extravaganza
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Old 07-22-2017, 11:32 AM   #1126
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Originally Posted by RunKC View Post
Any helpful links? I'm looking into this
Quote:
Originally Posted by lewdog View Post
https://investor.vanguard.com/ira/roth-ira?lang=en



List of funds. You won't find expense ratios much cheaper anywhere else.

https://investor.vanguard.com/mutual...th-end-returns
To add to this, I'm a big fan of starting with a three-fund "lazy portfolio" if you're just starting out but want a little more control than a target-date fund.

https://www.bogleheads.org/wiki/Three-fund_portfolio
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Old 07-22-2017, 11:41 AM   #1127
Fairplay Fairplay is offline
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Originally Posted by O.city View Post
I have a strict don't take money into a casino that you can't afford to lose policy.

I always lock my debit card and credit card in the room safe so as not to be tempted.
That is a good idea, but I'm more like Rain Man where I don't gamble but use the hotel to sight see or go to shows and the like.
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Old 07-22-2017, 12:53 PM   #1128
Buehler445 Buehler445 is offline
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Originally Posted by Demonpenz View Post
I am looking to park cash. I already have money in vanguard from a previous employer. Do I need to move it around? Do I need to sign up again once for employee retirement one for parking?
Dakcman is right. Don't park it in a retirement account. You'll get destroyed when you take it out. Mason jar would be better than a retirement account if you plan to get it out.

Keep some cash in the bank though for incaseshit money. While investment accounts are pretty liquid it does take a little time. Plus if you pull some out a couple times a year because your refrigerator died or you need tires or whatever you'll have to pay tax on the gain and do all the bullshit on the tax return for short and long term gain splits and all that bullshit for a grand or whateever may take some shine off your gains. Especially if you are doing your own taxes now and have to hire a professional for a few bucks of cap gain.

Bottom line: keep some cash in the bank.

What a lot of people did before the interest rate went to LOL is have 12 12 month CDs that mature each month. That way you've always got a little money available each month and if shit gets hairy the bank will loan you money against the CDs. Probably not a good idea until interest rates come off the ground some.
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Old 07-22-2017, 10:36 PM   #1129
Demonpenz Demonpenz is offline
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Which one of these things do I need to sign up for?
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Old 07-22-2017, 11:13 PM   #1130
Demonpenz Demonpenz is offline
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I signed up for individuals but I don't see index funds.
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Old 07-22-2017, 11:16 PM   #1131
Demonpenz Demonpenz is offline
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It said I needed 3000 to buy a mutual fund is that right? Maybe in a year. Also so I just pick likeIntermediate-Term Bond Index Admiral Shares and start buying that?
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Old 07-23-2017, 07:45 AM   #1132
DaKCMan AP DaKCMan AP is offline
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Originally Posted by Demonpenz View Post
It said I needed 3000 to buy a mutual fund is that right? Maybe in a year. Also so I just pick likeIntermediate-Term Bond Index Admiral Shares and start buying that?
Individual is correct. Most (all?) mutual funds, including index funds, require minimum investment amounts usually starting around $2500.

If you can't do that and just want to park money elsewhere than a brick and mortar bank paying 0.05% interest look into an online savings account. Ally bank currently pays 1.15%, Synchrony pays 1.20%, some others are up to 1.30%.
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Old 07-23-2017, 10:54 AM   #1133
Demonpenz Demonpenz is offline
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Originally Posted by DaKCMan AP View Post
Individual is correct. Most (all?) mutual funds, including index funds, require minimum investment amounts usually starting around $2500.

If you can't do that and just want to park money elsewhere than a brick and mortar bank paying 0.05% interest look into an online savings account. Ally bank currently pays 1.15%, Synchrony pays 1.20%, some others are up to 1.30%.
Synchrony's call center is in KC tht is cool. 2500 is what I need to shoot for a guess. I was looking for a Cutless so me and TheVirus could go look for some big titties and fat asses but that will have to wait.
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Old 07-23-2017, 04:42 PM   #1134
Chief Pote Chief Pote is offline
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Originally Posted by Hog Farmer View Post
I believe it's to open at .0007 throwing $880 at it

If it goes to 10 cent I'll have $125,000

HooRah !

If it goes to $1 I'll have $1,250,000

And a large boat.
I hope you bailed on that one.

https://finance.yahoo.com/quote/PNOW?p=PNOW

= 628.57 loss
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Old 07-24-2017, 05:03 PM   #1135
ChiliConCarnage ChiliConCarnage is online now
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Quote:
Originally Posted by Demonpenz View Post
It said I needed 3000 to buy a mutual fund is that right? Maybe in a year. Also so I just pick likeIntermediate-Term Bond Index Admiral Shares and start buying that?
Buy the ETF equivalent

https://personal.vanguard.com/us/fun...FundIntExt=INT

That link is vbiix. Underneath the fund name, Vanguard Intermediate.., you'll see hyperlinks to the admiral share class and the ETF. The Admiral shares have lower expense ratios but cost even more to get into (10k in this case). The ETF is a stock version. They typically have the same ER as the Admiral shares and the minimum is whatever 1 share costs to buy. In this case 80 something bucks.

Both the ETF and the mutual fund hold the same underlying assets. You can start with the ETFs and shift into mutual funds once you have the minimums. Once your comfortable buying ETF as stock there aren't many reasons to purchase mutual funds though. They're pretty inferior unless you want automated investing on deposits every two weeks
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Old 07-24-2017, 05:07 PM   #1136
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Originally Posted by Chief Pote View Post
I hope you bailed on that one.

https://finance.yahoo.com/quote/PNOW?p=PNOW

= 628.57 loss
I bailed long ago.
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Old 07-24-2017, 05:24 PM   #1137
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Quote:
Originally Posted by ChiliConCarnage View Post
Buy the ETF equivalent

https://personal.vanguard.com/us/fun...FundIntExt=INT

That link is vbiix. Underneath the fund name, Vanguard Intermediate.., you'll see hyperlinks to the admiral share class and the ETF. The Admiral shares have lower expense ratios but cost even more to get into (10k in this case). The ETF is a stock version. They typically have the same ER as the Admiral shares and the minimum is whatever 1 share costs to buy. In this case 80 something bucks.

Both the ETF and the mutual fund hold the same underlying assets. You can start with the ETFs and shift into mutual funds once you have the minimums. Once your comfortable buying ETF as stock there aren't many reasons to purchase mutual funds though. They're pretty inferior unless you want automated investing on deposits every two weeks
This is a great post Demonpenz.

This is a great post and I totally agree. No reason you can't just have that individual brokerage account and do ETFs, which are in a simple sense, mutual funds that can be traded like stocks.

I only purchase mutual funds in my retirement accounts as they usually have higher fees. In my individual brokerage account I'll purchase the ETF equivalent or index as it's more liquid. With Vanguard, TD Ameritrade and most other online brokerage accounts, they offer a list of Free trades with certain ETFs. With my TD Ameritrade account I have access to 101 ETFs that I can trade commission free. Meaning if I only want to invest a few hundred dollars in some ETF, I can and not get eaten up in fees for such a low initial investment. I can trade this months later and again, it's free. I think this is your best option. Watch the fees on other ETFs though. If you only plan on buying a few hundred dollars of shares at a time, the fees can eat you up pretty quick.

Pretty sure Vanguard ETFs are free with a brokerage account there though.

https://investor.vanguard.com/invest...ssions?lang=en

If you wanna make sure the ETF is free trades before buying, you can always call them. Their customer services is very good. Here's a list as well. 55 different choices on the free list from what I can tell.

https://investor.vanguard.com/etf/li...th-end-returns



Some good reading about ETFs and free trades in the middle of this.

http://www.thesimpledollar.com/how-t...n-index-funds/
Last edited by lewdog; 07-24-2017 at 05:30 PM..
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Old 07-24-2017, 11:53 PM   #1138
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I'm not a market guy but I have some money I can afford to invest. How bout a stock tip?
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Old 07-25-2017, 12:38 AM   #1139
Demonpenz Demonpenz is offline
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I just bought an etf when do I get rich and get pussy? Federal Money Market
(Settlement fund) is what I bought.
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Old 07-25-2017, 06:50 AM   #1140
Buehler445 Buehler445 is offline
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Quote:
Originally Posted by philfree View Post
I'm not a market guy but I have some money I can afford to invest. How bout a stock tip?
STOCK TIP: Don't buy stocks.

If it truly is an ivestment buy mutual funds.
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