3
votes
2answers
669 views

Is there any benefit to pooling money with family members to buy a mutual fund?

I'm thinking of investing some money into a mutual fund and am curious whether it's worthwhile to just pool my money with my dad and do so? He already has a mutual fund set up, and I'm curious whether ...
7
votes
3answers
122 views

ETF vs Mutual Fund: How to decide which to use for investing in a popular index?

How do you decide between investing in an ETF, vs. in a mutual fund, for the popular stock indexes? Trading costs, tax efficiency, capital gains?
1
vote
1answer
80 views

What are the tax implications of exchanging one fund for another in a tax-sheltered account?

What are the tax implications (if any) for exchanging one fund for another in a tax sheltered account (Roth IRA)? e.g. Changing from, say, a Life Strategy Fund to a Target Retirement fund.
4
votes
2answers
110 views

Shifting money between mutual funds

In the last 5-7 years, I've gradually invested money in several mutual funds via my bank (USAA). These funds now make up about a third of my portfolio. Initially I had invested in these funds ...
-1
votes
1answer
76 views

Vanguard fund, Roth IRA, and 1099

About a week ago, I opened a Roth-IRA and purchased a Vanguard life strategy fund (VASGX), made the contribution for 2013 Tax Year. I should get q 1099, correct? How long does this normally take?
1
vote
1answer
25 views

What is the tax rate for VBIRX distributions?

I am unsure as to what is the federal tax rate for the distributions of the VBIRX fund. To quote from the product summary for VBIRX the fund invests about 30% of assets in corporate bonds and 70% ...
0
votes
2answers
82 views

Do I pay taxes on a gift of mutual funds?

My parents, saving for college many (20+?) years ago, purchased some Evergreen mutual funds for each of their children. I believe the accounts were established in the children's names. Thanks to some ...
1
vote
2answers
47 views

How can I determine my basis for a gift of mutual funds?

My parents, saving for college many (20+?) years ago, purchased some Evergreen mutual funds for each of their children. I believe the accounts were established in the children's names. Thanks to some ...
0
votes
3answers
90 views

How do you get out of a Mutual Fund in your 401(k)?

Let's say I start up my 401(k) through my employer with a particular fund. Take this for example: Largest Holdings (08/31/2013) Apple 3.07% Exxon Mobil Corporation 2.60% ...
3
votes
1answer
56 views

Mutual funds and taxes (US)

I am very new to investing and I have learned that owning a mutual fund with a high turn over coefficient may result in capital gains which are taxable. This concerns the US only. My question, ...
1
vote
1answer
83 views

Is there a finance API of some kind to get all holdings for a specific mutual fund?

Is there a finance API out there that easily allows pulling of all the stock holdings of a specific mutual fund?
4
votes
1answer
168 views

Are there any consequences for investing in Vanguard's Admiral Shares funds instead of ETF's in a Roth IRA?

I have a Roth IRA with Vanguard, and I saw this question: What is the difference between shares and ETF? about the differences between Admiral Share funds and ETFs. I've also seen stuff talking about ...
8
votes
3answers
282 views

Did basically all mutual funds have a significant crash in 2008?

I am interested in starting a Roth sometime in the near future, but I'm worried about an economic downturn like 2008 eating up a lot of my savings at some point in my life. Did most mutual funds take ...
4
votes
2answers
336 views

How can I see the holdings of a mutual fund?

I'd like to be a socially responsible investor. I'd like to be able to blacklist certain companies that I feel are violators of my own social beliefs. cough monsanto cough. I'm finding it to be ...
6
votes
3answers
243 views

Can I buy mutual funds from more than one company with multiple Roth IRA accounts?

I am a college student who is relatively new to investing. This summer, I opened a Roth IRA through T. Rowe Price and I have contributed $2,500. Can I open another Roth IRA with another company such ...
3
votes
1answer
182 views

When to liquidate mutual funds for a home downpayment

I have about $18k in mutual fund assets that I am planning to use for a down payment on a home within the next 1-2 years. Combined cost basis for the assets in question is +$2,800. Right now the asset ...
4
votes
2answers
98 views

Are there any tax concerns with small periodic vs larger less frequent contributions?

Haven't had to worry about this much with tax my tax advantaged accounts. But I have started up a mutual fund with Vanguard, and I was curious if there are any tax related concerns with investing a ...
4
votes
2answers
333 views

Are mutual funds a good choice for a medium to low risk investment with a two year horizon?

I have a two year investment horizon, and I will make regular monthly contributions. I prefer investment options with medium to low risk. Are mutual funds a good choice for such a short investment ...
1
vote
1answer
83 views

Do transaction fees for mutual funds apply when purchasing additional shares?

My broker charges me a $19.99 transaction fee when purchasing some mutual funds. I believe that they will also charge this fee when selling shares in the fund. What is not clear to me, is if they ...
3
votes
1answer
366 views

Why do mutual funds and ETFs in the U.S. not capitalize dividends?

I am from Europe/Belgium and in Europe it is common to have funds and ETFs which capitalize/re-invest instead of distribute the dividends. I have been looking to the Vanguard ETFs and funds lately, ...
4
votes
1answer
168 views

Where to find the 5 or 10 year returns for a mutual fund?

I’m researching some mutual funds and am trying to find the 5 or 10 year return. However, all I can find is the YTD return. For example, Yahoo Finance shows the Yacktman Focused Svc (YAFFX) has an ...
8
votes
2answers
913 views

How can I replicate Vanguard's Total Stock Market Index using their S&P 500 and extended stock market funds?

I want to approximate the total United States stock market with part of my 401(k). I have access to two low-cost index mutual funds: VIIIX, which tracks the S&P 500 (large cap), and VIEIX, which ...
10
votes
1answer
495 views

Index mutual fund “minimum initial investment” inside a Roth IRA?

When a fund says its minimum initial investment amount is $2500, does that mean I need $2500 in my Roth IRA account to trade that fund? If so, would I need $7500 total in my Roth IRA account to trade ...
3
votes
1answer
472 views

Why doesn't a mutual fund in my 401(k) have a ticker symbol?

For my 401(k), I am trying to diversify while avoiding high expense ratios. Luckily among my investment choices are the Vanguard Target Retirement date funds which have fairly low expense ratios ...
0
votes
1answer
489 views

Where can I find accurate historical distribution data for mutual funds?

I've used Yahoo! Finance to get historical price and dividend data in the past. A recent experience has made me question its accuracy and left me searching for a trusted, accurate source. Here is a ...
2
votes
1answer
98 views

Is there a problem with buying small amounts of a no-fee mutual fund every two weeks?

I am treating my HSA as a retirement account. To max it out I contribute about $100 every pay period (roughly every two weeks) pre-tax, plus employer contributions sprinkled in occasionally. Once I ...
1
vote
1answer
40 views

Does ownership of a mutual fund in another account sufficient to buy more if it is “closed to new investors?”

I would like to purchase shares in a mutual fund that has closed itself to new investors. The account in which I would like to purchase the shares is in my current employer's retirement plan. I ...
0
votes
1answer
121 views

What else besides fees should I consider in rebalancing my fund portfolio's asset allocation?

My portfolio is currently $10k invested in VWNFX. I also have a 401k (contributing about $13k/year) and an emergency fund. But for the purposes of this question I am just talking about my ...
1
vote
1answer
1k views

Difference between 1099-DIV and 1099-B forms

I was wondering about the differences between 1099-DIV and 1099-B forms. In the case of mutual funds, Is 1099-DIV for reporting investment income due to trading of the securities in a mutual fund, ...
1
vote
2answers
285 views

Net loss not distributed by mutual funds to their shareholders?

From Wikipedia Mutual funds pass taxable income on to their investors annually. The type of income they earn is unchanged as it passes through to the shareholders. For example, mutual fund ...
5
votes
1answer
238 views

When you buy mutual funds through a broker, where are the shares held?

This question arises from a previous one regarding managing all one's investments from one screen on a brokerage house's web site, and a recent answer by @Patches regarding segregation of the ...
4
votes
1answer
87 views

Foreign tax credit carryover w/o having filed previously?

I owned VGTSX for years now but only in year 2011 was it a requirement for me to file taxes. Can I claim foreign tax credit carryovers for past years even though I didn't file taxes during those ...
3
votes
1answer
207 views

Do all ETFs fall under the Investment Company Act of 1940?

Do all ETFs fall under the Investment Company Act of 1940? If not, how would a buyer know? Are there legal or financial terms to look for in the prospectus, or will be it spelled out explicitly?
8
votes
2answers
475 views

How do 401(k) mutual fund expense ratios work?

Simple question - how do expense ratios work? Is there a fee that is calculated regularly, and the amount is taken out of my account? Is it subtracted from the funds earnings? Context: My work has ...
1
vote
2answers
246 views

Which brokers offer the largest selection of mutual funds?

I use Morningstar for mutual fund picks, but my broker (Merril Lynch) does not offer many of them. It's a pain because sometimes they don't offer good fund alternatives. Is my only option to move to ...
4
votes
1answer
56 views

Should I have be worrying about selling a mutual fund before keeping it 1 year in an IRA account?

I am considering selling a mutual fund in a Roth account that I have had for less than a year. Since Roth and traditional IRA accounts are tax sheltered and capital gains only apply when distribution ...
3
votes
1answer
226 views

Wash sale rule + Mutual Funds/ETFs?

According to IRS rules, you can't sell a security, take a capital loss on your taxes, and then buy back the same or a "substantially identical" security within 30 days. However, "substantially ...
8
votes
4answers
321 views

How relevant or accurate are Morningstar “Star” ratings for mutual funds?

Morningstar is a leading site for finding and researching mutual funds. The simplest differentiation between funds that I have seen is the Morningstar "Star" rating. Does anyone know the methodology ...
4
votes
1answer
53 views

If a fund holds stocks paying dividends and doesn't give a payout, is it necessarily re investing those dividends?

I am looking at some mutual funds which are holding many dividend stocks as portfolio holdings. I can check that these individual stocks are paying out regular dividends. But the funds don't show any ...
5
votes
1answer
143 views

Are there any funds tracking INDEXDJX:REIT?

I'm looking to get into real estate, and topic index seems promising on a 5-10 year scale. Are there any ETFs, or mutual fund products offering to track this index?
4
votes
1answer
71 views

Are there two layers of fees in a 529 “portfolio”?

I'm looking specifically at this 529 plan Fidelity Intermediate Bond Portfolio, which is invested exclusively in this Fidelity Intermediate Bond Fund - Class I. The portfolio lists a 1.64% Gross ...
3
votes
1answer
723 views

Dividends and tax withholding for ETF vs Mutual Fund for U.S. Non-Resident Alien?

I'm a non-US resident alien, considering to invest in either commission-free ETFs and Mutual Funds offered by TD Ameritrade. According to The American Jobs Creation Act of 2004, certain type of ...
2
votes
1answer
71 views

Change in taxes with change in residency status in U.S.?

I am on a student F-1 visa in the United States, and have invested in a number of U.S. mutual funds through Vanguard. Questions: Do I count as a non-resident alien OR a resident alien for tax ...
2
votes
3answers
146 views

Invest in new mutual funds before the end of the year, or after, in a retirement account?

I changed jobs this year and as a consequence, rolled over my employee 401(k) to a personal rollover IRA. I just completed the rollover earlier this month, and right now the money is just sitting in ...
5
votes
2answers
694 views

Vanguard retirement portfolio suggestions for my 403(b)?

I'm 28 years old and going to start my 403(b) retirement investment. My investment contributions will be 5% by me and 5% by my employer. I'm planning to invest 8% in pretax and 2% in Roth. The ...
3
votes
2answers
288 views

U.S. Mutual Fund Supermarkets: Where are some good places to buy mutual funds?

What are the options for mutual fund supermarkets? Which ones do people use and why?
4
votes
1answer
123 views

Taxes for resident alien investing in mutual funds and money market funds?

As a resident alien working in the US, what kinds of taxes will I be liable for when investing in mutual funds and money market funds? Some funds are federal, state, or municipal tax-exempt, will ...
3
votes
1answer
206 views

How do I minimize Federal, State, and Municipal tax due from money market funds or bond mutual funds?

I was looking into money market funds and bond mutual funds for some relatively stable investments. Before I make decisions, though, can someone explain under what circumstances would I need to pay ...
4
votes
2answers
197 views

What expenses do 401k funds charge?

What expenses do 401k funds charge? For example, do they charge front-end or back-end loads (commission when buying or selling funds)? Also how do I find out if the 401k administrator charges a fee?
4
votes
6answers
194 views

Super-generic mutual fund type

I have 20k in my emergency fund, which is about twice what I planned having in there. I think I can safely invest half of that in something better than the ING savings account it's currently in. I ...