Comments on: Stuck Trying To Decide What To Do About My Retirement And Education Savings Accounts http://www.ncnblog.com/2008/08/15/stuck-trying-to-decide-what-to-do-about-my-retirement-and-education-savings-accounts/ Debt Reduction Rocks - We Are Living Debt Free! Fri, 10 Feb 2012 00:09:10 +0000 hourly 1 By: soflest http://www.ncnblog.com/2008/08/15/stuck-trying-to-decide-what-to-do-about-my-retirement-and-education-savings-accounts/comment-page-1/#comment-125551 soflest Sat, 16 Aug 2008 17:18:27 +0000 http://www.ncnblog.com/?p=1648#comment-125551 I would transfer all accounts to one broker as I find it alot easier to update online from one source. I track all our investments on a spreadsheet and update prices daily. The net result is I see all our investments accounts rolled together as one entity and make asset allocation decisions based on the total picture. I also have all our other assets, liabilites, income and expenses listed on the spreadsheet so I know our net worth on a daily basis. I would transfer all accounts to one broker as I find it alot easier to update online from one source.

I track all our investments on a spreadsheet and update prices daily. The net result is I see all our investments accounts rolled together as one entity and make asset allocation decisions based on the total picture.

I also have all our other assets, liabilites, income and expenses listed on the spreadsheet so I know our net worth on a daily basis.

]]> By: NCN http://www.ncnblog.com/2008/08/15/stuck-trying-to-decide-what-to-do-about-my-retirement-and-education-savings-accounts/comment-page-1/#comment-125549 NCN Sat, 16 Aug 2008 16:40:14 +0000 http://www.ncnblog.com/?p=1648#comment-125549 @Matt... if my wife has a roth and i have a roth and i move them all to vanguard... will they credit me as having more clout, or will we be considered two different customers? does that make sense? @Matt… if my wife has a roth and i have a roth and i move them all to vanguard… will they credit me as having more clout, or will we be considered two different customers? does that make sense?

]]> By: Matt http://www.ncnblog.com/2008/08/15/stuck-trying-to-decide-what-to-do-about-my-retirement-and-education-savings-accounts/comment-page-1/#comment-125540 Matt Sat, 16 Aug 2008 16:00:23 +0000 http://www.ncnblog.com/?p=1648#comment-125540 You should definitely consolidate your account. Once these accounts grow in value, at say Vanguard, you will eventually hit a limit which increases your clout within the organization. For example, at Vanguard you can purchase Admiral Shares which have a lower expense ratio. It's a way of rewarding their high value customers, and I would certainly recommend Vanguard. I even get a direct customer service line to a specific customer service agent I've worked with for the past 5 years. I've had my account there since my 20s, but when I rolled my former 401k into my Roth IRA, I paid zero charges and a Vanguard rep walked me through every single possible step. You should definitely consolidate your account. Once these accounts grow in value, at say Vanguard, you will eventually hit a limit which increases your clout within the organization.

For example, at Vanguard you can purchase Admiral Shares which have a lower expense ratio. It’s a way of rewarding their high value customers, and I would certainly recommend Vanguard. I even get a direct customer service line to a specific customer service agent I’ve worked with for the past 5 years.

I’ve had my account there since my 20s, but when I rolled my former 401k into my Roth IRA, I paid zero charges and a Vanguard rep walked me through every single possible step.

]]> By: NCN http://www.ncnblog.com/2008/08/15/stuck-trying-to-decide-what-to-do-about-my-retirement-and-education-savings-accounts/comment-page-1/#comment-125534 NCN Sat, 16 Aug 2008 13:47:00 +0000 http://www.ncnblog.com/?p=1648#comment-125534 It would cost $50 per account for each transfer... so, we're looking at $150 or so... but, then i have to worry that everything goes smoothly... still not sure what i'm going to do... It would cost $50 per account for each transfer… so, we’re looking at $150 or so… but, then i have to worry that everything goes smoothly… still not sure what i’m going to do…

]]> By: Laura http://www.ncnblog.com/2008/08/15/stuck-trying-to-decide-what-to-do-about-my-retirement-and-education-savings-accounts/comment-page-1/#comment-125532 Laura Sat, 16 Aug 2008 13:13:19 +0000 http://www.ncnblog.com/?p=1648#comment-125532 My husband and I are going to consolidate some of his retirement accounts. We're looking into rolling over everything into a Vanguard IRA. We also have to choose the funds for his 401(k). We'll be glad when it's done as we tend to set it and forget it. (We check 3x a yea.r) My husband and I are going to consolidate some of his retirement accounts. We’re looking into rolling over everything into a Vanguard IRA. We also have to choose the funds for his 401(k). We’ll be glad when it’s done as we tend to set it and forget it. (We check 3x a yea.r)

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