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Re: Losing Sleep, Help with portfolio

Yes, you have the right idea.
by BL
Sun Apr 26, 2015 3:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Losing Sleep, Help with portfolio
Replies: 16
Views: 1389

Re: Help - Am I being stupid?

Yes. Fill your 401k and put the tax savings into your taxable plan, along with whatever else you can save. Fill the Roth IRA for you and one for your spouse before April 15, 2016, as you will never have a chance to fill that 5.5k space ever again. If you didn't have some emergency funds already, the...
by BL
Sun Apr 26, 2015 2:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help - Am I being stupid?
Replies: 7
Views: 372

Re: RMD or QCD - Which has to come out first?

The QCD will count as RMD if you haven't taken any/all of the RMD yet.

We don't know what the law will look like exactly until it happens. I figure December is a safer bet for QCDs just in case. But it is money we planned to donate anyway.
by BL
Sun Apr 26, 2015 2:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: RMD or QCD - Which has to come out first?
Replies: 2
Views: 107

Re: Investment made for emotional reasons--do they work out?

Thank you for letting us know how this turned out for now. It sounds like you have no financial worries so this is an act of love. You seem to be aware that there may be additional expenses as time goes on. She is very fortunate to have someone who is both willing and able to help her live out her d...
by BL
Sun Apr 26, 2015 12:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment made for emotional reasons--do they work out?
Replies: 10
Views: 867

Re: Retiring in two months - what to do with TSP?

Social Security can be tricky to get the best benefit. If possible, higher earner (higher PIA) could delay as long as possible up to age 70 to "buy" a COLAd "annuity" for the life of longest living survivor, the best annuity money can buy. Higher earner could apply for spousal at...
by BL
Sun Apr 26, 2015 12:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiring in two months - what to do with TSP?
Replies: 4
Views: 285

Re: 30 Years Old/Backward Earnings Advice

You do have an "odd" combination of conservative attitude toward the stock market vs. jump on insurance products, alternative investments, etc. Remember the tortoise/hare race? Perhaps it serves you well in your current occupation. Good job saving and paying down debt. Do some reading of s...
by BL
Sun Apr 26, 2015 9:51 am
 
Forum: Investing - Help with Personal Investments
Topic: 30 Years Old/Backward Earnings Advice
Replies: 1
Views: 178

Re: 401K Pre Tax, Roth 401k or After tax 401K??? HELP!

I would like some recommendation on how to manage the ever complexing world of taxes and how to reduce overall taxes paid. I am 37 yrs old, single mom, make $110K + bonus so am unable to contribute directly to Roth. See backdoor Roth in Wiki. I do believe that taxes when I retire in 25 years will b...
by BL
Sun Apr 26, 2015 9:22 am
 
Forum: Investing - Help with Personal Investments
Topic: 401K Pre Tax, Roth 401k or After tax 401K??? HELP!
Replies: 5
Views: 232

Re: Help me retire in 10 years

Max your 401k now. Sell off company stock as early as you can. How many of your 35 Social Security years will be zero? It is ok to dream but be a bit realistic and enjoy life now as well. Are you both as determined or is it just you? It definitely takes two to achieve unusual goals such as this. Des...
by BL
Sun Apr 26, 2015 9:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Help me retire in 10 years
Replies: 27
Views: 3304

Re: Losing Sleep, Help with portfolio

Chances are the funds you had at EJ weren't so great, either, but you just didn't pay attention to them as much. It would be helpful to list all available funds in 401k, etc., with ERs and ticker symbols if you want help in selecting the best choices. ERs (costs) matter, and you don't have to have e...
by BL
Sun Apr 26, 2015 8:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Losing Sleep, Help with portfolio
Replies: 16
Views: 1389

Re: How do Traditional 401k vs Roth 401k withdrawals work?

I would plan to max out all available tax-advantaged accounts, so if that means all trad. 401k, so be it. Also lowering your taxes now is a sure thing, who knows what the future will be. It is nice to have some of each, so would encourage filling both of your Roth IRAs. If you don't have any non-Rot...
by BL
Sun Apr 26, 2015 12:24 am
 
Forum: Investing - Help with Personal Investments
Topic: How do Traditional 401k vs Roth 401k withdrawals work?
Replies: 5
Views: 280

Re: When to sell a mutual fund?

Perhaps you can find some useful information on investing in this free booklet online:
http://www.etf.com/docs/IfYouCan.pdf

You won't find much encouragement for individual sectors here.
by BL
Sat Apr 25, 2015 11:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: When to sell a mutual fund?
Replies: 4
Views: 513

Re: Losing Sleep, Help with portfolio

You show a good fund in 401k (24% U.S. Stock Index .02% er) and good funds in the other work account (sorry, I don't speak symbols) She has a set and forget target retirement fund in her work account. I would consider moving the rest to Vanguard. If interested give them a call with totals to move an...
by BL
Sat Apr 25, 2015 11:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Losing Sleep, Help with portfolio
Replies: 16
Views: 1389

Re: Help Requested: How many ETFs & Index Funds is too much?

You can pick up Total international in Vanguard Roth IRA or taxable. If this is the same fund, here is data from Morningstar: BlackRock LifePath® 2050 Instl STLFX Type % Net % As of 03/31/2015 Cash 4.59% US Stock 56.65 % Non US Stock 36.45 % Bond 1.39 % Other 0.91% Plenty of international, but short...
by BL
Sat Apr 25, 2015 10:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help Requested: How many ETFs & Index Funds is too much?
Replies: 32
Views: 1561

Re: Help Requested: How many ETFs & Index Funds is too much?

BTC LIFEPATH 2050 L (Blended fund) - No ticker symbol | ER = 0.09%

This may be all you need here.

A different choice is to use just the Vanguard funds and complete the portfolio in Roth IRA.

Total stock, total International and maybe bonds (muni if higher income) in taxable.
by BL
Sat Apr 25, 2015 10:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help Requested: How many ETFs & Index Funds is too much?
Replies: 32
Views: 1561

Re: Minimizing penalties when transferring funds

Try to find out the basis and capital gains on your taxable now, before moving. Turn off re-investing to avoid more short-term capital gains. It is important to figure out your actual tax bracket. If income less SD less exemption less t401K contributions less any other tax exemptions = less than $37...
by BL
Sat Apr 25, 2015 9:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Minimizing penalties when transferring funds
Replies: 3
Views: 264

Re: Vanguard Portfolio + Tax Concerns

Others will likely have other input, but here's mine: In your traditional IRA, the Vanguard S & P 500 and Vanguard Total Stock Market indexes are pretty much the same thing. Me, I would ditch the 500 fund and merge the $117k with the $145k (Total Stock Market). Overall, you can simplify a bit b...
by BL
Sat Apr 25, 2015 5:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Portfolio + Tax Concerns
Replies: 13
Views: 738

Re: 29 y/o Financial Situation/Portfolio Suggestions

Congratulations! Suggest you read a couple of the recommended books here and follow Getting Started in the Wiki. Here is a little book written just for you: http://www.etf.com/docs/IfYouCan.pdf Don't forget that the Total funds include the sectors that you are interested in as well, and give you a w...
by BL
Sat Apr 25, 2015 2:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: 29 y/o Financial Situation/Portfolio Suggestions
Replies: 5
Views: 760

Re: should I add Gold Fund to my portfolio?

I'm new to investing. Just opened a couple index funds last month with Vanguard. I'm 38 years old. MY allocation is 38% S&P 500, 16% International Stock, 32% Bonds, and 15% REIT's. Wondering if i should add Gold/Mining Fund that Vanguard has, to further diversify? gixxer: Welcome to the Boglehe...
by BL
Sat Apr 25, 2015 12:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: should I add Gold Fund to my portfolio?
Replies: 21
Views: 1644

Re: Help Requested: How many ETFs & Index Funds is too much?

List the choices in 401k with ERs and ticker symbols.

Read a recommended book or two and watch the videos in Wiki.
Here is a good short booklet for newbies to get you going. It has lots of good ideas.
http://www.etf.com/docs/IfYouCan.pdf
by BL
Sat Apr 25, 2015 9:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Help Requested: How many ETFs & Index Funds is too much?
Replies: 32
Views: 1561

Re: Roth IRA options when you can't contribute to it anymore

Name/Inception Date Asset Class Category Gross Expense Ratio** Shareholder Fees SPTN TOT MKT IDX INS (FSKTX) 11/05/1997 Stock Investments Large Cap 0.07% SPTN EXT MKT IDX ADV (FSEVX) 11/05/1997 Stock Investments Mid-Cap 0.07% VANG TOT BD MKT INST (VBTIX) 12/11/1986 Bond Investments Income 0.07% You...
by BL
Sat Apr 25, 2015 9:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA options when you can't contribute to it anymore
Replies: 12
Views: 1084

Re: 35 year old, looking for AA - Completely confused.

Maybe the easy way is to put the target fund in each place: Vanguard Target Retirement Funds , 0.11%. I own the. Vanguard Target Retire 2045 II in my 401k Perhaps the Vanguard Target Retirement 2035 Fund (VTTHX) with 18% bonds is closer to your 80/20 choice. You could put the target fund in your 401...
by BL
Fri Apr 24, 2015 6:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: 35 year old, looking for AA - Completely confused.
Replies: 8
Views: 1642

Re: Investment advice for 69-year-old

There is also a Vanguard Tax-Managed Balanced Fund Admiral Shares (VTMFX) at about 50 US stocks/50% bonds if you want a single fund in taxable account, or you could do bonds in IRAs and stock funds in taxable.
by BL
Fri Apr 24, 2015 12:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment advice for 69-year-old
Replies: 11
Views: 1279

Re: Looking for advice on Bene IRA

Yes, municipal bonds if in higher tax bracket. 25% is the toss-up. Oh, you are in an IRA, so no tax benefit to munis at all.
by BL
Fri Apr 24, 2015 11:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Looking for advice on Bene IRA
Replies: 46
Views: 1518

Re: Looking for advice on Bene IRA

I suggest you do some of the recommended reading at this site. Unless you understand it, you are just as likely to give up and sell when "something better" comes along or the stocks crash, which they will. Here is a PBS Frontline video with a lot of good information on costs: http://www.pb...
by BL
Fri Apr 24, 2015 8:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Looking for advice on Bene IRA
Replies: 46
Views: 1518

Re: Question regarding annuity for my parents

It might be worth considering whether delaying SS until age 70 (or as long as you can up to that age) would be a better use of some of that money. If they are already drawing, I believe you have 1 yr to change minds and pay back. Buying the SS "annuity" gives you the extra in COLA'd return...
by BL
Fri Apr 24, 2015 7:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Question regarding annuity for my parents
Replies: 9
Views: 730

Re: 2 million dollar mistake meeting with MIL's financial gu

Thank you for sharing your experience.

Whole life, or any life, is not an investment.
by BL
Thu Apr 23, 2015 10:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2 million dollar mistake meeting with MIL's financial guy
Replies: 23
Views: 4887

Re: what should MIL do with "windfall"?

She could set aside enough to pay for 401k and a Roth IRA each year (live on this money while contributing max to 401k.) This will essentially transfer some of her money into tax-advantaged funds. She could pay down enough to avoid PMI and possibly refinance. It sounds like she has too much house. S...
by BL
Thu Apr 23, 2015 9:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: what should MIL do with "windfall"?
Replies: 12
Views: 1266

Re: Is this a reasonable request for broker?

Perhaps he is afraid you are planning to leave and disrupt his retirement plans.
by BL
Thu Apr 23, 2015 2:34 pm
 
Forum: Personal Consumer Issues
Topic: Is this a reasonable request for broker?
Replies: 13
Views: 1101

Re: Coming to terms with low risk tolerance

I suggest you also read Dr. Bernstein's little booklet for Millennials: http://www.etf.com/docs/IfYouCan.pdf Choose an AA that lets you sleep at night. No one knows what will happen in the future. Young people are forgetting or haven't lived through the severe drops of 2008-9. One thing I would sugg...
by BL
Thu Apr 23, 2015 12:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Coming to terms with low risk tolerance
Replies: 46
Views: 3447

Re: 72 year old converting traditional IRA to a roth?>

It sounds like two unrelated ideas. Yes, it could be a good idea to convert the trad. IRA to a Roth IRA, if he has money outside of the IRA to pay the tax. As stated, he must do the RMD before the conversion. Does he know that he might (if congress again passes the law) be able to use some/all of th...
by BL
Thu Apr 23, 2015 12:22 am
 
Forum: Investing - Help with Personal Investments
Topic: 72 year old converting traditional IRA to a roth?>
Replies: 3
Views: 405

Re: 26 year old asking advise on the next steps to take

I used this site to determine the 28% tax bracket. Bank Rate. I apologize number mean a lot and in this case my actual salary is 91,814... putting me right into the 28%. If my understanding of the table is correct. If this was your taxable income (not your salary) this would be true. However, you g...
by BL
Wed Apr 22, 2015 3:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: 26 year old asking advise on the next steps to take
Replies: 15
Views: 1061

Re: Roth 401k and Target Date Funds

I am at 25% rate and will estimate that I will probably stay there between now and through retirement. So traditional 401k would make more sense then or do my 401k match and the rest in a Roth IRA with vanguard? The other reasoning I had in staying all in my plan was to keep all the money in one pi...
by BL
Wed Apr 22, 2015 12:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth 401k and Target Date Funds
Replies: 6
Views: 516

Re: Newbie - Help with Vanguard funds

Here is a nice little booklet for you: http://www.etf.com/docs/IfYouCan.pdf written by William Bernstein. Go to the Wiki here and click on Getting Started. Read, watch videos, read some recommended books. Read about the 3-fund portfolio (similar to the 4 recommended funds you list, as well as the Ta...
by BL
Wed Apr 22, 2015 11:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Newbie - Help with Vanguard funds
Replies: 5
Views: 467

Re: Roth 401k and Target Date Funds

What tax bracket are you in? Unless you expect your bracket to be higher when you retire, I would definitely use the traditional 401k. Put as much as you possibly can into retirement funds, after emergency fund and debts are taken care of. You can get more into trad 401k, since the government will b...
by BL
Wed Apr 22, 2015 10:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth 401k and Target Date Funds
Replies: 6
Views: 516

Re: 401K and Taxable Account Advise

Is this tax status correct (married filing separately) or the one on you other thread (which I assumed to be married filing jointly)? It does make a difference for various things such as whether you can have a Roth IRA and tax brackets.
by BL
Wed Apr 22, 2015 9:50 am
 
Forum: Investing - Help with Personal Investments
Topic: 401K and Taxable Account Advise
Replies: 19
Views: 1495

Re: How to allocate inheritance proceeds?

Besides above suggestions, here is a little booklet for you:
http://www.etf.com/docs/IfYouCan.pdf

Take your time and avoid serious mistakes. I think you are well on your way.
by BL
Wed Apr 22, 2015 9:35 am
 
Forum: Investing - Help with Personal Investments
Topic: How to allocate inheritance proceeds?
Replies: 16
Views: 1238

Re: Should I make Roth contributions to 401k?

Yes, to your first point. You are saving by not paying taxes 25% of the amount you put in traditional, so you could be putting in more and ending up with the same paycheck. To your second point: if we flip the script and put me in the 15% tax bracket now and 25% tax bracket at retirement, then the R...
by BL
Wed Apr 22, 2015 9:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I make Roth contributions to 401k?
Replies: 28
Views: 1909

Re: 26 year old asking advise on the next steps to take

You are off to a great start. Don't count on pension until you are vested or have been there many years. Life has a way of throwing curve balls. Here is another little booklet written just for you (besides the Wiki here and watching their videos): http://www.etf.com/docs/IfYouCan.pdf Single funds ha...
by BL
Wed Apr 22, 2015 7:24 am
 
Forum: Investing - Help with Personal Investments
Topic: 26 year old asking advise on the next steps to take
Replies: 15
Views: 1061

Re: 35 year old, looking for AA - Completely confused.

Please list ERs. His 401k Company match to 6%. I increased my contribution to 13%. I have the following funds Harbor International Fund Institutional Class 4.07% T. Rowe Price Small-Cap Stock Fund 1.98% Target Retirement 2045 Trust II 35.05% Vanguard Institutional Index Fund Institutional Plus Share...
by BL
Tue Apr 21, 2015 6:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: 35 year old, looking for AA - Completely confused.
Replies: 8
Views: 1642

Re: Investing with a W2 income & no employer retirement opti

https://www.bogleheads.org/wiki/Backdoor_Roth_IRA
if they don't have non-Roth IRAs.

HSAs if high-deductible health insurance qualifies.

529 for education.
by BL
Tue Apr 21, 2015 5:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Investing with a W2 income & no employer retirement options
Replies: 7
Views: 504

Re: 23 Year Old Investing Advice

Have an emergency fund of 3-6 months, even when it hurts to get only 1% interest. Also college funds should be very conservative. Here is the traditional vs. Roth from the Wiki: https://www.bogleheads.org/wiki/Traditional_versus_Roth Also a booklet for younger investors: If You Can: How Millennials ...
by BL
Tue Apr 21, 2015 5:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: 23 Year Old Investing Advice
Replies: 10
Views: 877

Re: Semi forced retirement - SPIA ?

Is your wife working? Will you apply for unemployment? Will you consider other employment, either full or part-time, either comparable or not? SPIAs are usually for persons older than 75, though not necessarily. Are both of you contributing to an IRA? If no one is working next year, then that is out...
by BL
Tue Apr 21, 2015 10:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Semi forced retirement - SPIA ?
Replies: 26
Views: 1333

Re: Newbie looking for allocation thoughts/suggestions

I don't know enough to recommend but a simple solution might be the Life Path Index Retirement funds in 401k and an INDEX , not the regular, retirement fund at Fidelity of the appropriate bond %. I found an old discussion on Life Path here: https://www.bogleheads.org/forum/viewtopic.php?t=72817 or y...
by BL
Tue Apr 21, 2015 9:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Newbie looking for allocation thoughts/suggestions
Replies: 6
Views: 643

Re: Should I make Roth contributions to 401k?

I don't know about the calculator either way other than it is not producing what I would have expected. But one thing it is not considering is that even if you are in the 25% bracket in retirement, not all the money coming out of the account will necessarily be taxed at 25%. Some is likely to fall ...
by BL
Tue Apr 21, 2015 7:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I make Roth contributions to 401k?
Replies: 28
Views: 1909

Re: [Who is Ameriprise? Got invitation from a financial advi

Yes I would consider him commission-based, if you mean does he make more money the more of your money he handles. You can Google to get an idea of loads, AUMs, 12b-1 kickbacks, extra benefits from special types of investments, etc. We have an acquaintance/friend who is in this job; he is very nice a...
by BL
Mon Apr 20, 2015 1:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Who is Ameriprise? Got invitation from a financial advisor]
Replies: 32
Views: 2834

Re: Take the job? Midwest to West Coast.

Unless you and spouse are really attached to where you are, I would recommend the "foot in the door" job. You may love it or it may be just a step in the new direction. Either way, you should be ok.
by BL
Mon Apr 20, 2015 1:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Take the job? Midwest to West Coast.
Replies: 12
Views: 868

Re: How to handle hunting shack title/liability

Not sure if this is a solution, but if you have trouble with your current umbrella, check out the county mutual insurance co in the county where the shack is. Perhaps you could have a reasonable one for just your property in the county. I don't know what the shack owners in my area do, but we found ...
by BL
Mon Apr 20, 2015 1:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to handle hunting shack title/liability
Replies: 7
Views: 703

Re: Paying for GFs school - any way to help myself?

Have you considered claiming her as your dependent? The rules for claiming a dependent vary, but here are the most common rules for unrelated dependents: •Your relationship can not violate state and local law. If you are unsure, contact your local Attorney General's office •You can not be a depende...
by BL
Mon Apr 20, 2015 10:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Paying for GFs school - any way to help myself?
Replies: 76
Views: 4643

Re: Preparing for the Minimum Required Distribution

I'd be interested in a source as well. My understanding was that the 2014 fix was just a short term patch. That appears to be what the IRS thinks. http://www.irs.gov/uac/New-Law-Renews-IRA-Transfers-to-Charity-for-2014-Owners-Must-Act-by-Dec-31 The Tax Increase Prevention Act extends the provision ...
by BL
Mon Apr 20, 2015 10:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Preparing for the Minimum Required Distribution
Replies: 38
Views: 2560

Re: Newly Married and Need Investment Advice

I believe that TSP can be rolled over to IRAs when you want to start withdrawing. Then you wouldn't have to worry about any weird withdrawal rules in TSP, assuming it hasn't changed in x years.
by BL
Sun Apr 19, 2015 10:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newly Married and Need Investment Advice
Replies: 19
Views: 1716
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