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Old 04-19-2017, 08:09 PM   #81
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Well.. I have played around with a few of the suggestions. I did everything manually as I do not trust giving my passwords out to any of these tools.
- Looked at Google.. too basic and didn't see a way to see the allocation visually.
- Tried Full View by Fidelity. It imported my whole 401 as one account and I didn't see an easy way to get to the details. Maybe it had to be done manually. The tool seemed clunky.
- I tried Morning star on a few funds and then realized I had to pay to see any kind of analysis
- I downloaded excel spreadsheet templates that are on the internet. They seem complicated
- Quicken doesn't have the X-ray feature in the mac version yet.
- Personal Capital wasn't bad at all. All the tools are a pain to get the data into given 401 k funds that aren't in most of the tools. I was even able to split up the one Target Retirement fund into the appropriate allocations. It was able to give me what I was looking for.

That all said, I can see that our portfolio on the whole is too heavily weighted in cash/bonds and low on stocks. Given the current market, how would you recommend rebalancing? Dollar cost average over time?

Based on some other things I have seen, my 'small' taxable account that only has bonds in it should probably be mostly/all stocks. Hubby's 401k/IRA will probably be tapped first, given he is 65 and I am late 50s.

Thoughts?
Since the excel spreadsheet templates you downloaded on the internet seem complicated, have you thought about creating your own spreadsheet? That way you can control what data gets on there and make as simple as you like.

As for the rebalancing question, for me, I rebalance one a year in a large chunks to my desired allocation. But I do so in IRA accounts so there is not a tax event.
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Old 04-19-2017, 08:36 PM   #82
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I have the skills to make my own spreadsheet, but not the desire. Was hoping for something easy. I had a glitch with Personal Capital that kept deleting a fund in one of the 401ks. It also contributed to showing a lower % for stocks than reality. While I still want to tweak the allocation, the total isn't as off as I thought it was.

Personal Capital is doing what I need it to do. I believe the glitch had to do with an & sign that I used in the name of the fund. When I removed it, the fund was not deleted.
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Old 04-19-2017, 08:47 PM   #83
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Originally Posted by Fedup View Post
Excel spreadsheet.
+1
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Old 04-20-2017, 04:55 AM   #84
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I would buy this---
https://www.amazon.com/Microsoft-Off.../dp/B0153V61XU

Over a period of 3-5 years of use, I would have Excel and Word, and the cost per year would be $75, maybe $50, per year.
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Old 04-20-2017, 04:59 AM   #85
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Originally Posted by CountryGal View Post
I have the skills to make my own spreadsheet, but not the desire. Was hoping for something easy. I had a glitch with Personal Capital that kept deleting a fund in one of the 401ks. It also contributed to showing a lower % for stocks than reality. While I still want to tweak the allocation, the total isn't as off as I thought it was.

Personal Capital is doing what I need it to do. I believe the glitch had to do with an & sign that I used in the name of the fund. When I removed it, the fund was not deleted.
What you will find is that glitches will come up from time to time and you'll need to investigate, and fix.
If this solution works for you, and requires little time, then go with it.
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Old 04-20-2017, 09:59 AM   #86
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I use Quicken for Mac to download all my investment transactions and balances. And I use Vanguard's Portfolio Tester Tool to plan AA rebalances. Before these tools were available I used Excel to manage investments but it was much more labor intensive. I would rather spend my time reading about investing than doing data entry into a spreadsheet.
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Old 04-20-2017, 10:36 AM   #87
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When the alternative is free, then $229 is too much for me. LibreCalc also runs on Linux, my OS of choice.
Libre or Open Office is free, you are correct, and you do get updates. There are slight differences between these and the MS products, as long as they meet your needs.

If one has to have the Office Suite on their computer (with no updates), then $229 is a reasonable cost, until you want to upgrade to newer software. If regularly updated software that isn't free is a choice, an annual Office subscription at $79/year plus local tax is a reasonable choice and close to the $229 and no update option.

I did use OO for years, until I had a volunteer project needing a database. OO's database program was great for handling data and querying. But, there was no reports module - still being developed. I am not trained in writing software and MS Access is great for creating reports easily - so back to paid software.

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Old 04-20-2017, 03:53 PM   #88
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I've used Personal Capital for 3+ years, both for investment tracking and for budget tracking. It's adequate in both areas but does have some quirks as others have pointed out. I also transcribe my investment results - by account - into an Excel spreadsheet at the end of each month to document month-to-month performance.
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Old 04-20-2017, 04:24 PM   #89
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I've used Personal Capital for 3+ years, both for investment tracking and for budget tracking. It's adequate in both areas but does have some quirks as others have pointed out. I also transcribe my investment results - by account - into an Excel spreadsheet at the end of each month to document month-to-month performance.
This is also my method. Track everything in Personal Capital with monthly rollups in a spreadsheet.
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Old 04-20-2017, 04:58 PM   #90
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I'm slowly learning my way around the Fidelity website. I have a IRA and a 401k there. I can see the YTD rate of return for the IRA under the "Performance" tab and the 401k under the "Investments" tab. I can see YTD, 1 yr., 3yr., 5yr. and since inception. Is this not what you are looking for?


That's curious. I can't find YTD return for my Fido IRA anywhere and I only get the 401k YTD on the Mobil version or netbenefits. I mainly use the Fido GPS tool on the analysis tab. I manually add outside accounts quarterly and it meets my needs which is primarily asset allocation.
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Old 04-20-2017, 05:42 PM   #91
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Originally Posted by Tallman4123 View Post
I've used Personal Capital for 3+ years, both for investment tracking and for budget tracking. It's adequate in both areas but does have some quirks as others have pointed out. I also transcribe my investment results - by account - into an Excel spreadsheet at the end of each month to document month-to-month performance.
That's my biggest complaint with P.C.: it should offer the ability to download the data to your own spreadsheet software. That's why I use SigFig. It's so easy I do it every week.
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