Search found 62 matches

by 20Dukes11
Fri Jun 05, 2015 8:51 am
Forum: Investing - Help with Personal Investments
Topic: What to add to my "Core 3"
Replies: 46
Views: 6525

Re: What to add to my "Core 3"

In general, a DB pension argues on the side of using more Roth. But not necessarily so if the person is not going to get SS. What people do tend to agree on and what is most logical is that arriving in retirement with both taxed and not-yet-taxed assets is probably a good thing. My best guess is th...
by 20Dukes11
Thu Jun 04, 2015 1:51 pm
Forum: Investing - Help with Personal Investments
Topic: What to add to my "Core 3"
Replies: 46
Views: 6525

Re: What to add to my "Core 3"

Thanks very much for the reply here. Looking back through my thread, I believe I failed to mention that my wife also contributes to a defined benefit plan, at 6% (required by employer) per paycheck. Here in NC, its known as the NC Teachers and State Employees Retirement (TSERS) plan. Wife has been w...
by 20Dukes11
Sat May 30, 2015 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: What to add to my "Core 3"
Replies: 46
Views: 6525

Re: What to add to my "Core 3"

Hi all, I wanted to add another question/piece of info to my thread here, as I was re-reading it last night. I don't know if it changes anything with regards to the general suggestion to keep most of our contributions as Traditional, but BOTH the 401K and 457B plans we are using have the option of e...
by 20Dukes11
Thu Apr 16, 2015 8:22 am
Forum: Investing - Help with Personal Investments
Topic: What to add to my "Core 3"
Replies: 46
Views: 6525

Re: What to add to my "Core 3"

Excellent. Again, I appreciate all your time and insight with this!
by 20Dukes11
Wed Apr 15, 2015 8:22 am
Forum: Investing - Help with Personal Investments
Topic: What to add to my "Core 3"
Replies: 46
Views: 6525

Re: What to add to my "Core 3"

Awesome - can't thank you enough for the input here. My game plan now uncludes the following steps: 1. Stay the course with my current monthly contribution plan, until Extended Market is around 20% of my total US Stock holdings. Then, dial this back in favor of more contributions to the 500 Index in...
by 20Dukes11
Tue Apr 14, 2015 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: What to add to my "Core 3"
Replies: 46
Views: 6525

Re: What to add to my "Core 3"

70% of that $1,340 needs to go to US stocks ($938). Of that $938, if you want to approximate the total stock market, 80% ($750) should go to 500 index and 20% ($188) should go to Extended Market. You only have $413 going to 500 index, not the $750 needed. Is this because you want to overweight the ...
by 20Dukes11
Tue Apr 14, 2015 7:50 am
Forum: Investing - Help with Personal Investments
Topic: What to add to my "Core 3"
Replies: 46
Views: 6525

Re: What to add to my "Core 3"

Vanguard Total Stock Market is an excellent choice that provides diversification and a very low cost. Thanks- I'm using the S&P 500 fund in my 401K for lack of better funds inside the plan to choose from. With this being a large part of my portfolio already, I'm not sure there's a place for a T...
by 20Dukes11
Mon Apr 13, 2015 8:37 pm
Forum: Investing - Help with Personal Investments
Topic: What to add to my "Core 3"
Replies: 46
Views: 6525

Re: What to add to my "Core 3"

1) show us what you have now Total portfolio is around $36.6K: My 401k - ~$23,000 (63% of total portfolio) 100% PLFPX - Principal Large Cap S&P 500 Index Separate Account (.31% ER) Wife's Vanguard Roth IRA - ~$10,500 (29% of total portfolio) 49% VBMFX - VG Total Bond Market Index Fund Inv Share...
by 20Dukes11
Mon Apr 13, 2015 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: What to add to my "Core 3"
Replies: 46
Views: 6525

Re: What to add to my "Core 3"

Bumping this for my previous question about exchanging funds out. Thanks!
by 20Dukes11
Mon Apr 13, 2015 7:22 am
Forum: Investing - Help with Personal Investments
Topic: What to add to my "Core 3"
Replies: 46
Views: 6525

Re: What to add to my "Core 3"

OK, As an update I've decided to go ahead and contribute to the previously mentioned 457B. Our future contributions break down like this: His Principal 401K - $413/mo (includes employer match) - contributions are all Traditional 100% Principal Large Cap S&P 500 Index Separate Account - no ticker...
by 20Dukes11
Fri Apr 03, 2015 9:10 am
Forum: Investing - Help with Personal Investments
Topic: What to add to my "Core 3"
Replies: 46
Views: 6525

Re: What to add to my "Core 3"

This will work pretty well for awhile, but it will eventually overweight the Extended Market because your contributions to 500 Index and Extended Market are equal. The ratio should be closer to 80% and 20% if you are trying to have something like the total stock market. Agreed - considering I have ...
by 20Dukes11
Fri Apr 03, 2015 7:55 am
Forum: Investing - Help with Personal Investments
Topic: What to add to my "Core 3"
Replies: 46
Views: 6525

Re: What to add to my "Core 3"

Thanks very much for the insight. So moving forward at our current contribution levels each month, our situation might look like: His 401K - $413/mo. (includes employer match) 100% Principal Large Cap S&P500 Index Separate Account – no ticker - (.32%) Her 403B - $458/mo. 50% (VTSNX) Vanguard Tot...
by 20Dukes11
Thu Apr 02, 2015 8:33 am
Forum: Investing - Help with Personal Investments
Topic: What to add to my "Core 3"
Replies: 46
Views: 6525

Re: What to add to my "Core 3"

retiredjg wrote:It would be helpful to have your contributions (including the match) for each year.


See edit to my post above - thanks!
by 20Dukes11
Wed Apr 01, 2015 7:09 pm
Forum: Investing - Help with Personal Investments
Topic: What to add to my "Core 3"
Replies: 46
Views: 6525

Re: What to add to my "Core 3"

Emergency funds: >$18K (roughly 4 months) Debt: 30 yr fixed home loan, $169,600 @3.75% Tax Filing Status: Married Filing Joint Tax Rate: 25% Federal, ~7% State State of Residence: NC Age: 26 (Him), 27 (Her) Desired Asset allocation: 85% stocks / 15% bonds Desired International allocation: ~20% of st...
by 20Dukes11
Wed Apr 01, 2015 10:00 am
Forum: Investing - Help with Personal Investments
Topic: What to add to my "Core 3"
Replies: 46
Views: 6525

Re: What to add to my "Core 3"

Is there one particular asset class we could use her 457B for? If you want a real answer based on your actual situation, we need to know what your situation is. The kind and relative size of accounts matters. See the link at the bottom of this message for how to do that. Yea - I apologize, should h...
by 20Dukes11
Wed Apr 01, 2015 9:24 am
Forum: Investing - Help with Personal Investments
Topic: What to add to my "Core 3"
Replies: 46
Views: 6525

Re: What to add to my "Core 3"

Thanks so much - So, Sounds like I should dial back a bit of my Roth IRA contributions in favor of some contributions to the wife's employer plan. I suppose a little back story might help with a.) why we haven't been using my wife's employer sponsored funds, and b.) what my wife's entire retirement ...
by 20Dukes11
Tue Mar 31, 2015 7:46 pm
Forum: Investing - Help with Personal Investments
Topic: What to add to my "Core 3"
Replies: 46
Views: 6525

Re: What to add to my "Core 3"

If you have seen the "401k up to the match, followed by Roth IRA..." guideline, it does not necessarily apply to you. Part of that guideline is based on the assumption that fund choices in an IRA would be better than in a work plan. This is not true in your case - Her 401k has some very g...
by 20Dukes11
Tue Mar 31, 2015 9:45 am
Forum: Investing - Help with Personal Investments
Topic: What to add to my "Core 3"
Replies: 46
Views: 6525

Re: What to add to my "Core 3"

retiredjg wrote:By the way, many people would encourage you to put more into her 401k before filling up the 2 IRAs.


What would the argument for this be, the tax advantage? As a reminder, there is no employer match on her 401K.
by 20Dukes11
Tue Mar 31, 2015 8:38 am
Forum: Investing - Help with Personal Investments
Topic: What to add to my "Core 3"
Replies: 46
Views: 6525

Re: What to add to my "Core 3"

You should definitely be using Her 401k before putting retirement money in taxable. Your wife's 401k is better than yours. Don't contribute more than enough to get the match to your 401k. Agreed. And yea, I'm only contributing up to the employer match in my 401K - then everything else is getting ki...
by 20Dukes11
Mon Mar 30, 2015 9:18 pm
Forum: Investing - Help with Personal Investments
Topic: What to add to my "Core 3"
Replies: 46
Views: 6525

Re: What to add to my "Core 3"

His 401K - through Principal Financial Group - 50% employer match up to 6% Short-Term Fixed Income - Principal Stable Value Fund - .91% ER Fixed Income - PIMCO GNMA A Fund - .90% ER - Principal Bond and Mortgage Separate Account - .71% ER Balanced/Asset Allocation - Principal Lifetime Strategic Inc...
by 20Dukes11
Mon Mar 30, 2015 7:24 pm
Forum: Investing - Help with Personal Investments
Topic: What to add to my "Core 3"
Replies: 46
Views: 6525

Re: What to add to my "Core 3"

I was surprised too. Thanks for the input! Once I start maxing both of these IRAs out each year (I'm pretty close), I'll need to tackle how I go about putting more into the S&P500 fund in my 401K without overweighting my domestic stock allocation (as I mentioned above, the rest of the funds in o...
by 20Dukes11
Mon Mar 30, 2015 5:16 pm
Forum: Investing - Help with Personal Investments
Topic: What to add to my "Core 3"
Replies: 46
Views: 6525

What to add to my "Core 3"

Hi all, My wife and I are in our mid-20s, and our current portfolio is broken out across the 3 following funds: My 401k - ~$23,000 (63% of total portfolio) 100% PLFPX - Principal Large Cap S&P 500 Index Separate Account (.31% ER) Wife's Vanguard Roth IRA - ~$10,500 (29% of total portfolio) 49% V...
by 20Dukes11
Fri Mar 20, 2015 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Employer Education Reimbursement & the 1098-T Tuition Form
Replies: 0
Views: 170

Employer Education Reimbursement & the 1098-T Tuition Form

So, My wife and I were both part-time students this past year, and BOTH of our employers paid for the entirety of the tuition costs. We received 1098-T tuition forms from each of our schools, and I'm afraid I incorrectly included/used them when filing our taxes earlier last month. That is, I'm now t...
by 20Dukes11
Thu Mar 19, 2015 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Filed my 2014 taxes in February - then I bought a house...
Replies: 5
Views: 576

Re: Filed my 2014 taxes in February - then I bought a house.

Excellent - thanks for the info here. Now that I think through it - its a dumb question. Nothing else I've done since filing my taxes would affect the 2014 filing (the income I've earned, retirement contributions) - I think I'm still very new to all the processes of buying a home :-) Never hurts to ...
by 20Dukes11
Thu Mar 19, 2015 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Filed my 2014 taxes in February - then I bought a house...
Replies: 5
Views: 576

Filed my 2014 taxes in February - then I bought a house...

Hi all- So like the thread topic says, wife and I went under contract on a home (our first home; we were previously renting) and then shortly thereafter (a matter of days), I filed our 2014 taxes. Now that we've actually closed on the home, do I need to be concerned with submitting any additional ta...
by 20Dukes11
Sun Mar 01, 2015 1:27 pm
Forum: Investing - Help with Personal Investments
Topic: 401K/403b balancing - plan has changed
Replies: 21
Views: 2137

Re: 401K/403b balancing - plan has changed

Hi Cheryl - Apologies for the late notice here on your response. To answer your question about the STAR fund - the reason I keep looking at it is because its one of only two funds I have access to in my 401K that has a decent expense ratio; the other is a Principal Large Cap S&P 500 Index "...
by 20Dukes11
Sat Dec 27, 2014 5:24 pm
Forum: Investing - Help with Personal Investments
Topic: 401K/403b balancing - plan has changed
Replies: 21
Views: 2137

Re: 401K/403b balancing - plan has changed

Hi all, More questions for you. As I mentioned above, my wife's company notified us in November they will be officially closing the 403B plan, and no future contributions will be allowed. So, I'm now in the process of rolling the funds over to a Vanguard Roth IRA. Here's how our retirement funds sit...
by 20Dukes11
Tue Nov 11, 2014 3:19 pm
Forum: Investing - Help with Personal Investments
Topic: 401K/403b balancing - plan has changed
Replies: 21
Views: 2137

Re: 401K/403b balancing - plan has changed

Hi all, I figured I would post this under my existing conversation I have going here. My wife's employer has just announced they'll no longer be offering the 403(b) we have been contributing to, and so I'd like to get your thoughts on possibly taking all the funds and rolling them into a Roth IRA at...
by 20Dukes11
Thu Aug 28, 2014 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: Interpreting the X Ray calculator
Replies: 1
Views: 414

Interpreting the X Ray calculator

Hi all, Just had a quick question regarding some of the results I'm seeing from running my current 401K/403B funds through the XRay calculator. Based off the following information Ticker---------Dollar Value PLFPX----------$18K VBTIX----------$4.5K VINIX----------$4.5K ...I'm having a hard time inte...
by 20Dukes11
Thu Aug 28, 2014 8:38 pm
Forum: Investing - Help with Personal Investments
Topic: 401K/403b balancing - plan has changed
Replies: 21
Views: 2137

Re: 401K/403b balancing - plan has changed

Apologies for bringing this back up, I don't know if it would help to generate a more definite answer towards Roth or Traditional contributions, but the wife and I earn around $100K/yr combined, which (married filing jointly) puts us in smack-dab in the middle of the 25% tax bracket. With expectatio...
by 20Dukes11
Tue Aug 12, 2014 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: 401K/403b balancing - plan has changed
Replies: 21
Views: 2137

Re: 401K/403b balancing - plan has changed

Sounds like a plan Cheryl - thanks very much for the input/advice :happy I suppose I could gain some tax diversity by: 1. Contributing up 401K match (100% traditional contributions) 2. Maxing out wife's 403B (100% traditional contributions) 3. Maxing out 2 Roth IRAs for wife and I (obviously 100% Ro...
by 20Dukes11
Tue Aug 12, 2014 7:58 am
Forum: Investing - Help with Personal Investments
Topic: 401K/403b balancing - plan has changed
Replies: 21
Views: 2137

Re: 401K/403b balancing - plan has changed

Thanks dickenjb, I'm assuming this is the template you're referring to: His 401K - currently has ~$17.5K in it 80% Principal Global Investors – LargeCap S&P 500 Index Separate Account - 0.31% Company Match? Yes, $.50 on every $1, up to 6% Her 403B - currently has ~$9.5K in it 10% (VBTIX) Vanguar...
by 20Dukes11
Mon Aug 11, 2014 6:57 pm
Forum: Investing - Help with Personal Investments
Topic: 401K/403b balancing - plan has changed
Replies: 21
Views: 2137

Re: 401K/403b balancing - plan has changed

Hello all, Would like to say thanks again for the advice a few months back. I've made the suggested changes, but am now trying to get a better handle on what types of contributions, Roth vs traditional, I should be employing for these two accounts (my 401K and wife's 403b)? The more I read, the more...
by 20Dukes11
Tue Jun 17, 2014 8:09 am
Forum: Investing - Help with Personal Investments
Topic: 401K/403b balancing - plan has changed
Replies: 21
Views: 2137

Re: 401K/403b balancing - plan has changed

Yes, I completely agree on the comment about my 401K being junk. So to go back to an earlier question of mine - do you have any concerns about this S&P500 being a "separate account"? The fund itself doesn't have a ticker (seems to be a Principal thing), so I can't find much info on the...
by 20Dukes11
Tue Jun 17, 2014 7:33 am
Forum: Investing - Help with Personal Investments
Topic: 401K/403b balancing - plan has changed
Replies: 21
Views: 2137

Re: 401K/403b balancing - plan has changed

Apologies, should have done that to begin with. I have updated to include this info.
Sam
by 20Dukes11
Mon Jun 16, 2014 10:04 pm
Forum: Investing - Help with Personal Investments
Topic: 401K/403b balancing - plan has changed
Replies: 21
Views: 2137

Re: 401K/403b balancing - plan has changed

Excellent - thanks! Also - this may have been a big oversight on my part - the principal S&P 500 fund that I previously referred to as PLFPX is actually the "Principal LargeCap S&P 500 Index Separate Account-R6 " which I now know is NOT the same thing as PLFPX :oops: . I've looked ...
by 20Dukes11
Mon Jun 16, 2014 7:59 pm
Forum: Investing - Help with Personal Investments
Topic: 401K/403b balancing - plan has changed
Replies: 21
Views: 2137

Re: 401K/403b balancing - plan has changed

Apologies- Okay, after more sifting through the investments, perhaps another option would be: My 401K - $16,800 (~65%) 100% (PLFPX) Principal Large Cap S&P 500 Index Fund R-6 (.31%) Wife's 403b - $9,000 (~35%) 20% (VTSNX) Vanguard Total Int'l Stock Index Fund Institutional Shares (.12%) 20% (VBT...
by 20Dukes11
Mon Jun 16, 2014 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: 401K/403b balancing - plan has changed
Replies: 21
Views: 2137

401K/403b balancing - plan has changed

Hi all, My 401K - plan is with Principal Financial: - Morley Financial Services, Inc. – Principal Stable Value Fund - .91% - PIMCO – PIMCO GNMA A Fund - .91% - Principal Global Investors – Bond and Mortgage Sep Acct - .71% - Multiple Sub-Advisors -- Principal LifeTime Strategic Income Separate Accou...
by 20Dukes11
Sun Apr 13, 2014 8:34 am
Forum: Investing - Help with Personal Investments
Topic: Newbie 401K Advice Needed
Replies: 43
Views: 4438

Re: Newbie 401K Advice Needed

Your best bet here is to stop obsessing about exact allocation, and start figuring out how to contribute the most money possible. In summary, you should do this: 1. Contribute to your 401k up to the employer match (done?) Yes, done. 2. Contribute to spouse's TSERS up to the employer match if any (d...
by 20Dukes11
Sat Apr 12, 2014 9:11 am
Forum: Investing - Help with Personal Investments
Topic: Newbie 401K Advice Needed
Replies: 43
Views: 4438

Re: Newbie 401K Advice Needed

So, you have $15K in your 401k. How much does she have in her 403b? Do you have any IRAs yet? Are you still in STAR and Wellington?


We have ~$7800 in the 403b right now. No IRAs, and yes still entirely in the STAR and Wellington accounts.

S
by 20Dukes11
Fri Apr 11, 2014 1:26 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie 401K Advice Needed
Replies: 43
Views: 4438

Re: Newbie 401K Advice Needed

Hi folks- After a few months hiatus, I've reached the point where I have $15K in my own 401K, but my wife's 403b is nowhere near $20K (I mention these benchmark amounts bc of Duckie's previous post above from Jun 06, 9:32pm). So I'm wondering how best to go about increasing the wifey's 403b amount w...
by 20Dukes11
Tue Jan 07, 2014 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: Selling a car that you have an outstanding loan on
Replies: 12
Views: 2802

Re: Selling a car that you have an outstanding loan on

s the interest rate too high, you don't like that, and want to lower it? You could refinance to a lower interest rate loan for about 36 months, stay on the same timeline to pay it off, and your payment would be roughly the same or slightly lower. Talking the dollar amount <$13k though, you're not l...
by 20Dukes11
Tue Jan 07, 2014 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Selling a car that you have an outstanding loan on
Replies: 12
Views: 2802

Re: Selling a car that you have an outstanding loan on

Mentioned when and where this post from 2012? http://www.bogleheads.org/forum/viewtopic.php?f=1&t=106808 Refinance and keep. Yep- same car. I've been reading up on the possibility of refinancing, but don't pretend to be very confident in what I've understood. Correct me if I'm wrong, but if I w...
by 20Dukes11
Thu Jan 02, 2014 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Selling a car that you have an outstanding loan on
Replies: 12
Views: 2802

Selling a car that you have an outstanding loan on

Hey there, As mentioned, I have a car I'm currently making monthly payments on. I'm just toying with the idea of getting rid of the car and trading down to a beater, to kill off the almost $300/mo payment. Has anyone done this, and how did you go about it? I'm worried about things like whether or no...
by 20Dukes11
Wed Jul 03, 2013 10:26 am
Forum: Investing - Help with Personal Investments
Topic: Newbie 401K Advice Needed
Replies: 43
Views: 4438

Re: Newbie 401K Advice Needed

Yes,

A total typo there, I was half asleep :happy Thanks for the ongoing support!
by 20Dukes11
Tue Jul 02, 2013 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie 401K Advice Needed
Replies: 43
Views: 4438

Re: Newbie 401K Advice Needed

Ok, Since switching my future contributions over to the VGSTX fund, I have some more noob questions. Obviously, since I just switched over to this fund from the Lifetime 2050, about 97% of my balance still lies in the Lifetime 2050. Do I transfer the entirety of this balance over into the VGSTX? Add...
by 20Dukes11
Sat Jun 08, 2013 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie 401K Advice Needed
Replies: 43
Views: 4438

Re: Newbie 401K Advice Needed

Excellent. Yep - didn't trust myself on the rules of different retirement funds, but that's what I had assumed the situation would be.

Duckie, you've given me tons to think about, I really appreciate all this advice!

Thanks again-
by 20Dukes11
Sat Jun 08, 2013 6:30 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie 401K Advice Needed
Replies: 43
Views: 4438

Re: Newbie 401K Advice Needed

Sorry Duckie- What I meant on question 3 was how do I, her spouse, contribute to her plan? She's already contributing, so I understand how her contributions would be automatically deducted from a paycheck. But for me, since its not my account, is there one "right" way for me to contribute?...
by 20Dukes11
Sat Jun 08, 2013 11:47 am
Forum: Investing - Help with Personal Investments
Topic: Newbie 401K Advice Needed
Replies: 43
Views: 4438

Re: Newbie 401K Advice Needed

Ok, starting to make more sense. I'm reading Bogle's "Little Book on Common Sense Investing" currently, and its helping to drive lots of these points home. A couple more bonehead questions... 1. The figures you used for the 2 specific accounts - $15K for the 401K, and $20K for the 403B - a...

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