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Re: Portfolio review - New job. New strategy?

This helps very much Ruralavalon. Thank you for taking the time to break it down its appreciated.
by AFFISHES
Tue Jul 16, 2013 4:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review - New job. New strategy?
Replies: 15
Views: 1092

Re: Portfolio review - New job. New strategy?

The desired asset allocation using index funds is: 60% domestic stocks 20% bonds 20% international stocks. I believe the U.S. Debt Index Non-Lendable Fund E is actually one of the funds in the TR account. From what I can find it is the US Treasury portion. The fixed income fund for pera is PERAdvan...
by AFFISHES
Tue Jul 16, 2013 12:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review - New job. New strategy?
Replies: 15
Views: 1092

Re: Portfolio review - New job. New strategy?

Overall a simple portfolio of 60/20/20 comprised of index funds is my ultimate goal. To be clear, is that index funds consisting of: 60% domestic stocks 20% bonds 20% international stocks? I still haven't been able to find fund information on "U.S. Debt Index Non-Lendable Fund E" on the C...
by AFFISHES
Fri Jul 12, 2013 10:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review - New job. New strategy?
Replies: 15
Views: 1092

Re: Portfolio review - New job. New strategy?

Overall a simple portfolio of 60/20/20 comprised of index funds is my ultimate goal.
by AFFISHES
Thu Jul 11, 2013 5:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review - New job. New strategy?
Replies: 15
Views: 1092

Re: Portfolio review - New job. New strategy?

Thank you Ruralavalon - You have given me a lot more to think about. If I were to fold the individual DC/457b plans into my AA, after doing the math I end up with a .464 er a little less then half of the TR er like you noted. Costs are very important me which Is why I'm considering this in the first...
by AFFISHES
Thu Jul 11, 2013 3:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review - New job. New strategy?
Replies: 15
Views: 1092

Re: Portfolio review - New job. New strategy?

Well, if you don't have access to any index funds, and all funds are the same type of thing/company (I assume this is some sort of state retirement plan and not a fund company??), then I'd stick with the 2050 fund as you're doing. It doesn't seem as if you have much choice in the matter! I would ch...
by AFFISHES
Thu Jul 11, 2013 12:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review - New job. New strategy?
Replies: 15
Views: 1092

Re: Portfolio review - New job. New strategy?

Edited to add more fund information.
by AFFISHES
Thu Jul 11, 2013 11:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review - New job. New strategy?
Replies: 15
Views: 1092

Portfolio review - New job. New strategy?

Hi All. I just started a new job, and I think its time to reevaluate my portfolio. I took to heart the advantages of a "simple" portfolio, and thusly have balanced funds in each of my holdings that approximate my AA with no need to rebalance. I'm now at a point where I can have admiral sha...
by AFFISHES
Wed Jul 10, 2013 12:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review - New job. New strategy?
Replies: 15
Views: 1092

Re: Help with Health Insurance

Does anyone have any recommendations on companies that I should look to for more reasonable rates? I have never shopped around for coverage, as I have always been covered by some sort of Blue Cross/Blue Shield policy, whether through my parents' work or through my employer. Am I wrong to think that...
by AFFISHES
Thu Jun 20, 2013 11:30 am
 
Forum: Personal Consumer Issues
Topic: Help with Health Insurance
Replies: 47
Views: 2549

Re: How to best pay back a $200k loan from the parents

You sure do love to paraprhase. I admitted that I know nothing of the traditional mortage process I said nothing on my knowledge of mortage fraud.
by AFFISHES
Fri Oct 26, 2012 4:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to best pay back a $200k loan from the parents
Replies: 87
Views: 3978

Re: How to best pay back a $200k loan from the parents

I did delete it. I thought the OP was a fairly new poster like myself, but on further inspection he had 500+ posts. So I was wrong on that assumption. I dont think its mortage fraud at all in my mind. The guys parents helped him when he needed with a very loose "loan". Its not a loan in th...
by AFFISHES
Fri Oct 26, 2012 4:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to best pay back a $200k loan from the parents
Replies: 87
Views: 3978

Re: How to best pay back a $200k loan from the parents

I admit I wouldn't know the in and outs of the process. I've only used the VA loan in my own home, but my point is still valid. After reading all the posts from the OP mortgage fraud is quite a large jump, and a rude accusation in my mind, and certaintly doesnt advance the discussion. I'll also admi...
by AFFISHES
Fri Oct 26, 2012 4:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to best pay back a $200k loan from the parents
Replies: 87
Views: 3978

Re: How to best pay back a $200k loan from the parents

Actually the OP stated that he and his wife MIGHT not have been approved.
by AFFISHES
Fri Oct 26, 2012 3:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to best pay back a $200k loan from the parents
Replies: 87
Views: 3978

Re: How to best pay back a $200k loan from the parents

The OP said the loan was for the down payment which to me sounds like it had nothing to do with the mortage. So every kid whose parents helped them out with a downpayment has now commited mortage fraud. Have fun rounding up those million or so people.
by AFFISHES
Fri Oct 26, 2012 3:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to best pay back a $200k loan from the parents
Replies: 87
Views: 3978

Re: How to best pay back a $200k loan from the parents

Except it wasnt mortage fraud. Or anything close to mortage fraud.
by AFFISHES
Fri Oct 26, 2012 3:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to best pay back a $200k loan from the parents
Replies: 87
Views: 3978

Re: How to best pay back a $200k loan from the parents

It is abundantly clear maybe because that's what he wrote "I've been piling up their payments in cash in an account in my name for the past 2 years, and it's now getting to the point where I can't just ignore it. ". There was some areas that were obviously not thought of at the time hence ...
by AFFISHES
Fri Oct 26, 2012 3:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to best pay back a $200k loan from the parents
Replies: 87
Views: 3978

Re: How to best pay back a $200k loan from the parents

I'm a long time reader who almost never posts on this site even though I have enjoyed learning a lot. I couldn't sit idly by on this one though. All of you bashing the OP are SO FAR out of line it baffles me. Its like none of you have taken the time to read any of the posts on here. People keep braz...
by AFFISHES
Fri Oct 26, 2012 2:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to best pay back a $200k loan from the parents
Replies: 87
Views: 3978

Re: Early Retirement Tax Conundrum

Great link Paul. Dont know how Ive never seen that since ive been vanguard investing for 10 years! I'll look into that now. NYbogle if you count YMCA as pro then maybe! No, im just a simple federal employee with a passion for saving and investing, and a little bit of luck as well! :)
by AFFISHES
Fri Oct 05, 2012 12:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Early Retirement Tax Conundrum
Replies: 5
Views: 778

Early Retirement Tax Conundrum

I am 25 years old and planning on being a very early retire, and I'm having an issue planning my taxable portion of my account. I currently max out both my ROTH and 401k, and also invest in a taxable vanguard account. Now I know the tax implications of taxable investing so currently have it all in V...
by AFFISHES
Thu Oct 04, 2012 3:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Early Retirement Tax Conundrum
Replies: 5
Views: 778

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