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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 9:09 am
 
Forum: Investing - Help with Personal Investments
Topic: 401K/403b balancing - plan has changed
Replies: 9
Views: 356

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
Tue Jun 17, 2014 8:33 am
 
Forum: Investing - Help with Personal Investments
Topic: 401K/403b balancing - plan has changed
Replies: 9
Views: 356

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 11:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K/403b balancing - plan has changed
Replies: 9
Views: 356

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 8:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K/403b balancing - plan has changed
Replies: 9
Views: 356

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
Mon Jun 16, 2014 8:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K/403b balancing - plan has changed
Replies: 9
Views: 356

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
Sun Apr 13, 2014 9:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Newbie 401K Advice Needed
Replies: 43
Views: 3339

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
Sat Apr 12, 2014 10:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Newbie 401K Advice Needed
Replies: 43
Views: 3339

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
Fri Apr 11, 2014 2:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie 401K Advice Needed
Replies: 43
Views: 3339

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 6:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Selling a car that you have an outstanding loan on
Replies: 12
Views: 1729

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
Tue Jan 07, 2014 2:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Selling a car that you have an outstanding loan on
Replies: 12
Views: 1729

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
Thu Jan 02, 2014 8:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Selling a car that you have an outstanding loan on
Replies: 12
Views: 1729

Re: Newbie 401K Advice Needed

Yes,

A total typo there, I was half asleep :happy Thanks for the ongoing support!
by 20Dukes11
Wed Jul 03, 2013 11:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Newbie 401K Advice Needed
Replies: 43
Views: 3339

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
Tue Jul 02, 2013 1:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie 401K Advice Needed
Replies: 43
Views: 3339

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 9:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie 401K Advice Needed
Replies: 43
Views: 3339

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 7:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie 401K Advice Needed
Replies: 43
Views: 3339

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...
by 20Dukes11
Sat Jun 08, 2013 12:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie 401K Advice Needed
Replies: 43
Views: 3339

Re: Newbie 401K Advice Needed

OK. I'd previously been contributing 12% to my 401K, until I dropped down to 6% contributions into the STAR a few days ago. So this additional 6% I'm no longer putting into the 401K (or any additional amount) could now be going into the wife's 403b? Presumably the Wellington Fund previously mentione...
by 20Dukes11
Thu Jun 06, 2013 8:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie 401K Advice Needed
Replies: 43
Views: 3339

Re: Newbie 401K Advice Needed

Well, I think our entire retirement portfolio would simply consist of the 3 "systems" we contribute to: my 401K, her 403b, and her TSERS state employee plan. I'll assume we don't want to consider her TSERS in this analysis, but stop me if I'm mistaken. So I have just about $10K in my 401K,...
by 20Dukes11
Thu Jun 06, 2013 8:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Newbie 401K Advice Needed
Replies: 43
Views: 3339

Re: Newbie 401K Advice Needed

Her 403b's Vanguard/Spartan bond options are as follows: Vanguard : Vanguard GNMA Fund Admiral Shares (0.11%) Vanguard Intermediate-Term Bond Index Fund Signal Shares (0.1%) Vanguard Total Bond Market Index Fund Signal Shares (0.1%) Vanguard Inflation-Protected Securities Fund Admiral Shares (0.1%) ...
by 20Dukes11
Wed Jun 05, 2013 11:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie 401K Advice Needed
Replies: 43
Views: 3339

Re: Newbie 401K Advice Needed

JW, She has access to the following Vanguard and Spartan funds: Large Cap: Vanguard: 1. Dividend Growth Fund, Investor Shares (.29%) 2. Vanguard Equity-Income Fund Admiral Shares (.21%) 3. Vanguard Growth Index Fund Signal Shares (0.1%) 4. Vanguard Morgan Growth Fund Admiral Shares (0.26%) 5. Vangua...
by 20Dukes11
Wed Jun 05, 2013 3:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie 401K Advice Needed
Replies: 43
Views: 3339

Re: Newbie 401K Advice Needed

mnvalue, Very good question. My wife is a state employee here in NC (nurse), and so she contributes to the state "TSERS" plan - Teachers' and State Employees' Retirement Plan. Its a defined retirement plan where you contribute 6% and only 6%. She becomes vested after 5 years of service, bu...
by 20Dukes11
Wed Jun 05, 2013 9:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Newbie 401K Advice Needed
Replies: 43
Views: 3339

Re: Newbie 401K Advice Needed

Steve- Wonderful advice. I believe my plan was to follow the path of: 1. Contribute to 401K, up to employer's match. 2. Contribute up to max amount in a Roth-IRA (I think its $5500/yr. for those under 50 yrs old, or something like that?) 3. Go back to 401K, and max it out. This seems like it would e...
by 20Dukes11
Tue Jun 04, 2013 12:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie 401K Advice Needed
Replies: 43
Views: 3339

Re: Newbie 401K Advice Needed

Thanks all!

As of this morning, I've dropped my 401K contributions to 6%, and moved it all over to 100% STAR. Once I have $3K in hand to open an external Roth IRA with Vanguard, I'll be moving in that direction with the rest of my contributions.
by 20Dukes11
Mon Jun 03, 2013 10:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Newbie 401K Advice Needed
Replies: 43
Views: 3339

Re: Newbie 401K Advice Needed

The other thing that you might want to consider is using an extended market index fund like VEXMX. If you take 4 parts S&P 500 and 1 part VEXMX, then you're getting an approximation of the total stock market index. I don't know what the proper ratio of star to the extended market index would be...
by 20Dukes11
Fri May 31, 2013 9:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Newbie 401K Advice Needed
Replies: 43
Views: 3339

Re: Newbie 401K Advice Needed

Sounds great. I think my plan will be to: 1. Lower my 401K contributions down to 6%. This 6% will be either entirely the Vanguard STAR (VGSTX), or spread between VGSTX and PLFPX - a Principal LargeCap S&P 500 Index. 2. Take my additional contributions (currently another 6%) and put it into a Rot...
by 20Dukes11
Thu May 30, 2013 7:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie 401K Advice Needed
Replies: 43
Views: 3339

Re: Newbie 401K Advice Needed

Sorry to reintroduce this post, I still haven't switched gears from being entirely in the 2050 Target Date fund I mentioned earlier. This is because the more I hear/read, the more confused I become! I spoke with our "401K manager" earlier today, and I mentioned to him the idea of moving my...
by 20Dukes11
Thu May 30, 2013 5:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie 401K Advice Needed
Replies: 43
Views: 3339

Re: Newbie 401K Advice Needed

Very cool! Just punched in the suggested allocation for the VGSTX and PSPJX funds (8000/2000 resp.) using the Morningstar X-ray. Looks like a 68/29 stock/bond allocation - does this seem like a pretty heavy bond percentage for someone my age? I know right now the LifeTime 2050 Fund has me sitting at...
by 20Dukes11
Wed Dec 12, 2012 10:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Newbie 401K Advice Needed
Replies: 43
Views: 3339

Newbie 401K Advice Needed

Hi all, Love the site and the books (currently reading the Investors Guide). I'm 23 and in my first job out of undergrad. I've been with the company for a year and a half, and want to take another stab at my 401K decisions. I'm quite unsure of myself with regards to my 401K allocations, and that has...
by 20Dukes11
Tue Dec 11, 2012 11:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Newbie 401K Advice Needed
Replies: 43
Views: 3339

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