| Subject | Date Asked | Expert |
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| joint mutual | 11/19/2009 | John D Smith, CFP |
Q: I own a mutual fund with my brothers (two). I have been paying the taxes for these funds for about ...
A: This is a tricky situation as it appears your social security # is the first and main one listed on ...
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| YTD Return vs. Yield? | 10/7/2009 | John D Smith, CFP |
Q: In the daily Yahoo stock and mutual funds closing report, I receive two figures--year-to-date return ...
A: Yield is the amount of income being paid whereas total return is a combination of income being paid ...
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| brat@arctic.net | 9/29/2009 | John D Smith, CFP |
Q: What types of mutual funds perform better if interest rates increase?
A: On the fixed income side, it will be shorter term instruments as there is an inverse relationship ...
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| Total Return & Expense Ratios | 9/28/2009 | John D Smith, CFP |
Q: (1) How is the total return of a mutual fund determined? (2) When is the total expense ratio of a ...
A: The total return of a mutual fund is a combination of the change in the underlying share price (NAV ...
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| Retirement | 9/27/2009 | Docs99 |
Q: My question... I'm 52 years old and have $150,000 in a annuity, $200,000 in stocks, $10,000 in a ...
A: Unfortunately, due to licensing requirements, am not able to furnish you with investment advice. ...
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| conservative funds | 9/27/2009 | Warren Boroson |
Q: I have around $16,000 that I want to put into a more income/conservative type fund. I'm willing to ...
A: First, diversify. With $16,000, you can invest in more than one fund. Maybe three or four. Second, ...
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| Retirement | 9/26/2009 | John D Smith, CFP |
Q: I'm 52 years old and need some investment ideas for my Roth IRA. Thanks so much, Vicki
A: In order to offer any type of investment advice, I would need to know in some detail your specific ...
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| portfolio performance | 9/25/2009 | Warren Boroson |
Q: I have a portfolio of funds that is rated moderately aggressive. In the last six months, it has ...
A: Over six months, almost anything can happen. But hardly any diversified, moderately aggressive ...
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| portfolio performance | 9/20/2009 | Warren Boroson |
Q: I have a portfolio of funds that is rated moderately aggressive. In the last six months, it has ...
A: Visit a large library, go to the reference desk, and ask to see a copy of Morningstar Mutual Funds. ...
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| Mutual Fun Liabilites | 9/18/2009 | Warren Boroson |
Q: Hey Warren, I was reading about NAV and I had a question, where would a mutual fund have ...
A: Off the top of my head, I'd venture that liabilities include the cost of accounting...the cost of ...
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| Third Ave Real Estate Value Fund | 9/17/2009 | Warren Boroson |
Q: Warren: I have noticed that Third Avenue Real Estate Fund (Tarex) is now doing quite well. Please ...
A: I notice that most of the real estate funds are now doing well, including Vanguard's REIT index. The ...
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| Tax consequences for withdrawing from Vanguard Star Investment account | 9/17/2009 | Warren Boroson |
Q: Started investing about $100 per month with initial startup of $700 approx. 15 years ago. At this ...
A: Is the fund in your personal account or in a tax-favored account (IRA, 401K)? If it's in your ...
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| Roth IRA | 9/16/2009 | Warren Boroson |
Q: I am 31 years old and besides my company's 401k I just opened up a Roth IRA with Vanguard. I just ...
A: I suspect that by the time you're 65, you will have made out like a bandit. (I will be 108 at that ...
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| Finances | 9/6/2009 | Warren Boroson |
Q: My wife and I are in our early 80's and our income is derived from (3) Vanguard mutual funds ...
A: A good portfolio. Though some might say you have too much in the high-yield fund. On the other hand, ...
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| 457.B and 403.B | 8/23/2009 | John D Smith, CFP |
Q: Which investment company would be best for a 403.B and a 457.B and why? American General --VALIC ...
A: I apologize but the best company comes down to the investment options each provides as well as the ...
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| What to do now? | 8/12/2009 | Warren Boroson |
Q: I, like most folks, have lost a lot of money on paper over the last year or two. One fund was ...
A: Fidelity Balanced wasn't 100% in stocks--but apparently it wasn't in the safer stocks. A new ...
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| Can't Find Mutual Fund Ticker - Delaware Emerging Markets | 7/24/2009 | Warren Boroson |
Q: What is the ticker symbol for Delaware Emerging Markets Fund (Asset Class = International/Global, ...
A: I spoke to someone in shareholder relations for Delaware-- She said that the share price of the ...
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| Can't Find Mutual Fund Ticker - Delaware Emerging Markets | 7/21/2009 | Warren Boroson |
Q: What is the ticker symbol for Delaware Emerging Markets Fund (Asset Class = International/Global, ...
A: Ticker symbol is DEMAX. It's rated 5 stars by M*, so it seems to be a fund worth holding onto. ...
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| College Account | 7/19/2009 | John D Smith, CFP |
Q: I set up a UGMA for my son, who is still 17. Account was basic mutual funds. College is starting ...
A: Most brokerage firms, mutual fund companies, banks, etc, that hold UGMA accounts for investors will ...
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| Emerging markets funds | 7/7/2009 | Warren Boroson |
Q: Given to choose between T.Rowe Price and Fidelity Emerging Markets Funds, which one would you ...
A: Easy question. The T. Rowe Price Fund. The Fidelity fund is rated 2 stars. "We would approach this ...
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| Vanguard Funds | 7/4/2009 | Warren Boroson |
Q: At current my wife an I have our 401k with Vanguard in 2 seperate funds, The VG Balanced Index and ...
A: Those are excellent funds and they constitute good core holdings. I wouldn't diversify into energy ...
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| Vanguard funds | 7/4/2009 | Docs99 |
Q: At current my wife an I have our 401k with Vanguard in 2 seperate funds, The VG Balanced Index and ...
A: Unfortunately, I am unable to furnish furnish you with investment advice. You may want to have a ...
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| Mutual fund with a 2010 time horizon | 7/3/2009 | Warren Boroson |
Q: We have some money in mutual funds with time horizons, the earliest being 2010. (Unfortunately, ...
A: Actually, Wells Fargo Lifepath 2010 has a good record--no doubt in great part because its exposure ...
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| gifting one mutual fund to two children | 6/19/2009 | John D Smith, CFP |
Q: I plan to gift a mutual fund worth about $11000 to my two children equally. How would I go about ...
A: In order to gift the mutual fund you would need to open an investment account for each of them and ...
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| Mutual Fund Definitions | 6/17/2009 | Warren Boroson |
Q: I have a high risk mutual fund that has achieved a YTD of 49%. The Yield is .94 but I don't know ...
A: A year-to-date return of 49%? How much did that fund lose last year? I'm impressed. I'll have to ...
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| Mortgage reits | 6/6/2009 | Warren Boroson |
Q: Hey Warren, my question concerns mortgage REITS and how they make their money. I read somewhere that ...
A: This is from an Internet site--and yes, mortgage REITs can make money on interest rate spreads--WB ...
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| etf`s vs. Vanguard and DFA funds | 5/23/2009 | Warren Boroson |
Q: I am currently invested in a combination of 11 asset classes well diversified globally having ...
A: Interesting that ETFs have done so well. Apparently the word has gotten out: Some financial planners ...
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| etf`s vs. Vanguard and DFA funds | 5/20/2009 | Warren Boroson |
Q: I am currently invested in a combination of 11 asset classes well diversified globally having ...
A: I saw a study recently comparing Vanguard funds with DFA, with DFA the clear winner. (I guess that's ...
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| long term invest | 5/19/2009 | John D Smith, CFP |
Q: I am 27 yrs old and am allocating 20% ($400) of my income to my company's 401k. Also I am constantly ...
A: First of all, let me extend a congrats to your diligence in saving at a young age. If you can keep ...
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| bond funds | 5/9/2009 | Warren Boroson |
Q: if you are interested in bond funds for retirement income, how do you choose the right funds? i ...
A: You do NOT want a fund with a sales charge or with high expenses. Fixed-income funds usually don't ...
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| Mutual Fund Rates | 5/7/2009 | Warren Boroson |
Q: What is the current interest rate for a mutual fund?
A: Mutual funds are an empty box. You can put all sorts of different things in them. The interest rate ...
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| 401 (k) Plan & IRA Fees | 5/4/2009 | John D Smith, CFP |
Q: I recently became aware of the fees that are charged to people who have 401 (k) plans from their ...
A: Depending on where you hold your IRA, these fees can vary. The basic fees in most instances is the ...
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| Mutual fund question | 4/29/2009 | John D Smith, CFP |
Q: Could you please tell me about the process of setting up a mutual fund.
A: I am assuming you mean investing in a mutual fund? If so, then the process can happen one of 2 ...
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| How to cash out a mutual fund | 4/24/2009 | Warren Boroson |
Q: My parents set up a custodial mutual fund account when I was very young. The account is threw Trowe ...
A: I've forwarded your note to a PR person at T. Rowe. Probably the company is giving you a hard time ...
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| BONDS in a tax shelter account | 4/22/2009 | John D Smith, CFP |
Q: THROUGH READING OF VARIOUS WORTHWHILE BOOKS LIKE THE ONES WRITTEN BY JOHN BOGLE AND WILLIAM ...
A: I can relate to what you are saying and hope the following comments are helpful. I am very familiar ...
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| BONDS in a tax shelter account | 4/17/2009 | John D Smith, CFP |
Q: THROUGH READING OF VARIOUS WORTHWHILE BOOKS LIKE THE ONES WRITTEN BY JOHN BOGLE AND WILLIAM ...
A: In regards to your questions; if you go to http://www.treasurydirect.gov you can obtain information ...
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| BONDS in a tax shelter account | 4/16/2009 | John D Smith, CFP |
Q: THROUGH READING OF VARIOUS WORTHWHILE BOOKS LIKE THE ONES WRITTEN BY JOHN BOGLE AND WILLIAM ...
A: First, let me comment by saying I agree with the thoughts you are sharing in regards to placing ...
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| researching a mutual fund | 4/14/2009 | Warren Boroson |
Q: How do you determine what is a good fund fit? Once youhave a list of funds, what "homework" can you ...
A: First, check what Morningstar Mutual Funds writes about the funds. You can get a copy in larger ...
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| stocks inside of a mutual fund | 4/14/2009 | John D Smith, CFP |
Q: Is there any way to find out what stocks a mutual fund holds?
A: Yes, reporting agencies such as Morningstar and Lipper have this data and supply some of it free of ...
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| mutual funds | 3/17/2009 | Warren Boroson |
Q: This is a very generalMy parents have approximately $500,000.00 in mutual funds. On average, what ...
A: $2 million is fine. But you cannot avoid risk. You need some exposure to the stock market--a minimum ...
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