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Old 04-19-2017, 08:55 AM   #61
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W2R-do you do this daily so you can monitor activity or balances each day?
Yes, every day or every other day. Like I said it only takes a minute if that to type in 7 numbers, and I do it whenever I am looking at the financial news just to see how things are going for me personally.

Vanguard has a watchlist function so I set it to show me my five funds as the default. I want to check my bank account and TSP every day anyway, to watch for fraud, so when I do I type in those two numbers too.

Over all it takes about 1/10th the time of brushing one's teeth, and it's much more fun. I used to have Excel set up to do it automatically but with so few funds, I found that I would rather do it manually so that I pay better attention to what's going on.
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Old 04-19-2017, 09:03 AM   #62
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I keep track using Quicken, which I update monthly with all account balances.

For "management" I export the portfolio to Excel once a year during the Xmas/New Year week, My wife and I are always at our lake home that week so it is an easy time to look at things and make any necessary changes. IMO that is about the right frequency for management. We are investors, not traders. Most years we do nothing.
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Old 04-19-2017, 09:15 AM   #63
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I am surprised that a lot of people answered "Excel" as their spreadsheet. I use Open Office spreadsheet since it's free... I also use personalcapital.com for Fidelity only because it lets me see the YTD rate of return (which Fidelity website is not capable of doing for some reason...). Other than that, I used online tools available at my investment firms.
Well, I bought this version of Microsoft Office for home about 8 or 9 years ago. Its been free for me every year since. Back then, DW and I were both working and it was important that we could move files back and forth to work. I don't know how it is today, but back then, complex documents did not move back and forth between the Open Office and Microsoft Office very well. One of these days I will need to upgrade the hardware, so I may try Open Office again at that point.
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Old 04-19-2017, 09:22 AM   #64
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I don't remember if we had to pay for Excel either. We bought our Dell in 2013.
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Old 04-19-2017, 09:26 AM   #65
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Yes, every day or every other day. Like I said it only takes a minute if that to type in 7 numbers, and I do it whenever I am looking at the financial news just to see how things are going for me personally.

Vanguard has a watchlist function so I set it to show me my five funds as the default. I want to check my bank account and TSP every day anyway, to watch for fraud, so when I do I type in those two numbers too.

Over all it takes about 1/10th the time of brushing one's teeth, and it's much more fun. I used to have Excel set up to do it automatically but with so few funds, I found that I would rather do it manually so that I pay better attention to what's going on.
I can see that keeps you right on top of things. Earlier in my work career I monitored everything very closely. In the middle part, less so as it got so much easier to accumulate, and so busy with child rearing and other matters. But as I near retirement, definitely watching things more closely. Perhaps I will become as diligent as you are as time progresses.

I appreciate the insights!
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Old 04-19-2017, 09:37 AM   #66
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Fidelity for investments and Open Office Calc for expenses and blue skying.
Haven't really updated or played with the spread sheet in a long time. Look now and again to see if spending is close to projections. Haven't done much with blue skying since the sailings been so clear since I retired.
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Old 04-19-2017, 01:22 PM   #67
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Well, I bought this version of Microsoft Office for home about 8 or 9 years ago. Its been free for me every year since. Back then, DW and I were both working and it was important that we could move files back and forth to work. I don't know how it is today, but back then, complex documents did not move back and forth between the Open Office and Microsoft Office very well. One of these days I will need to upgrade the hardware, so I may try Open Office again at that point.
Yeah, I used to use MS Excel also when I was w*rking, but I didn't want to pay for it once I retired (I did the monthly 360 for a while, but that wasn't too cost effective); hence Open Office spreadsheet. Some keys are different and some functions do go away, so I may go back to Excel at some point, but for now, Open Office has been good enough.
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Old 04-19-2017, 01:23 PM   #68
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I use a Numbers spreadsheet too. I gotta get around to using the new stock price feature.
Very easy to use. For a simple price, just use this in a spreadsheet cell:
=STOCK(A2,price)
where A2 is the cell with the symbol.

Besides price, you can get a couple dozen other attributes for a given stock. Very well done (although long overdue).
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Old 04-19-2017, 02:19 PM   #69
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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?
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Old 04-19-2017, 02:52 PM   #70
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Originally Posted by braumeister View Post
Very easy to use. For a simple price, just use this in a spreadsheet cell:
=STOCK(A2,price)
where A2 is the cell with the symbol.

Besides price, you can get a couple dozen other attributes for a given stock. Very well done (although long overdue).
My problem is that many funds update their price later in the day (occasional later it seems). I need to write something in Numbers that keeps track of the old price, then tell if if has been updated today.
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Old 04-19-2017, 03:38 PM   #71
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I am surprised that a lot of people answered "Excel" as their spreadsheet. I use Open Office spreadsheet since it's free...
Any time that I say Excel in this forum, you can read it as Open Office. I just say Excel because more people know what that is. But Open Office is perfectly fine for my needs.

Also I save my file in Excel format, not Open Office format, so that it is readable by various spreadsheet programs.
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Old 04-19-2017, 03:40 PM   #72
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My problem is that many funds update their price later in the day (occasional later it seems). I need to write something in Numbers that keeps track of the old price, then tell if if has been updated today.
I have another column that says
STOCK(A2,percent change)

As I said, there are a LOT of attributes you can use.
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Old 04-19-2017, 03:50 PM   #73
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I am surprised that a lot of people answered "Excel" as their spreadsheet. I use Open Office spreadsheet since it's free... I also use personalcapital.com for Fidelity only because it lets me see the YTD rate of return (which Fidelity website is not capable of doing for some reason...). Other than that, I used online tools available at my investment firms.
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?
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Old 04-19-2017, 04:25 PM   #74
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MS home office is $229. For some, I guess that is too much to spend for 3-5 years of use.

Office 2003, 2007, 2010 professional versions were $10 each through megacorp.

I use Google sheets too. Stock data live is nice feature to have. Very easy to implement.

I've found that years of vba, data transforms, and spreadsheet wrangling has a nice payoff on the job.
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Old 04-19-2017, 04:56 PM   #75
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MS home office is $229. For some, I guess that is too much to spend for 3-5 years of use.

Office 2003, 2007, 2010 professional versions were $10 each through megacorp.

I use Google sheets too. Stock data live is nice feature to have. Very easy to implement.

I've found that years of vba, data transforms, and spreadsheet wrangling has a nice payoff on the job.
When the alternative is free, then $229 is too much for me. LibreCalc also runs on Linux, my OS of choice.
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Old 04-19-2017, 05:16 PM   #76
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MS home office is $229. For some, I guess that is too much to spend for 3-5 years of use.
To be perfectly clear, I would pay several thousand to BUY MS Office. Like many others I bought Office 97 and prior versions, mostly out of gratitude to the developers, but after that buying became impossible.

Once again, it's not worth one cent to me to rent software. They control what they want to offer and that is their prerogative. As for me, it is my prerogative to continue with free Open Office if all they can offer is rentals. Guess I should be grateful to them, because they saved me all that money.
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Old 04-19-2017, 05:38 PM   #77
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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?
Well, I can get to that, but that is not exactly YTD - It's more like YTD as of the last month end close. (You see "As of .../31/2017", so even if you are almost done with the month, you will see the YTD as of the last month end. I called Fidelity about it when I moved from VG to Fidelity and evidently, there is no way to check the real time (or close to real time) YTD online. At least, that is my understanding...
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Old 04-19-2017, 06:40 PM   #78
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Well, I can get to that, but that is not exactly YTD - It's more like YTD as of the last month end close. (You see "As of .../31/2017", so even if you are almost done with the month, you will see the YTD as of the last month end. I called Fidelity about it when I moved from VG to Fidelity and evidently, there is no way to check the real time (or close to real time) YTD online. At least, that is my understanding...
Just checked and do see the 3/31/17, it's a little "grayed" out. Thx
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Old 04-19-2017, 06:49 PM   #79
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To be perfectly clear, I would pay several thousand to BUY MS Office. Like many others I bought Office 97 and prior versions, mostly out of gratitude to the developers, but after that buying became impossible.

Once again, it's not worth one cent to me to rent software. They control what they want to offer and that is their prerogative. As for me, it is my prerogative to continue with free Open Office if all they can offer is rentals. Guess I should be grateful to them, because they saved me all that money.
I don't understand. You bought 97, but can't buy a newer version?

I have 97 too, just in case all the dual and quad cores melt down and I have to go back to Pentium.

Until last year I had my 5 and 3-1/2" floppies for Excel 2.0 PC.
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Old 04-19-2017, 06:58 PM   #80
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I don't understand. You bought 97, but can't buy a newer version?
https://www.microsoftstore.com/store...ome-8221444599
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