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Re: I wish the market wasn't so high! Hold out for a fall?

I just posted what the wiki says about the behaviour of the "completely rational investor". I am about to get a lump sum from the sale of a house. I will probably DCA. This wiki page irritates me too. To me it seems to imply that "potential regret" has no value and the experienc...
by BrianOB
Thu Apr 04, 2013 3:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: I wish the market wasn't so high! Hold out for a fall?
Replies: 58
Views: 7618

Re: 401K Fund Choices - Best of a Bad Situation (Valic/DWS)

Thank you for responding retiredjg and linuxuser . I thought he was only interested in bond funds for his wife's 401K. I thought I was too. But I'm open to other suggestions too. I would probably use these two. DWS Core Equity A SUWAX NER 0.98 DWS Strategic Government Securities A KUSAX NER 0.81 Wou...
by BrianOB
Tue Feb 05, 2013 1:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K Fund Choices - Best of a Bad Situation (Valic/DWS)
Replies: 7
Views: 2517

Re: 401K Fund Choices - Best of a Bad Situation (Valic/DWS)

I would probably split it between DWS Short Duration A PPIAX NER 0.86 and DWS Strategic Government Securities A KUSAX NER 0.81 Thanks for the response linuxuser . Are you basing this primarily on the ER? Excuse my profound ignorance but should I be concerned about the KUSAX fund being up to 80% Gin...
by BrianOB
Sun Feb 03, 2013 1:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K Fund Choices - Best of a Bad Situation (Valic/DWS)
Replies: 7
Views: 2517

Re: Free Life Insurance - Really?

Really? I've never heard of it. It just sounded... sort of creepy. I'm reassured that it's not that uncommon and your spouses are still intact. I poked around a bit and found this. It sounds like the loophole that allowed companies to collect on your behalf has been closed? In a typical broad-based ...
by BrianOB
Wed Jan 30, 2013 2:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Free Life Insurance - Really?
Replies: 21
Views: 1285

Free Life Insurance - Really?

My wife just started a new job and her new employer is offering her a "free" $50,000 life insurance policy. Supposedly it doesn't come out of her paycheck, and it's a guaranteed minimum regardless of health. You can pay for more coverage but we don't need it (or even this really). Obviousl...
by BrianOB
Wed Jan 30, 2013 2:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Free Life Insurance - Really?
Replies: 21
Views: 1285

401K Fund Choices - Best of a Bad Situation (Valic/DWS)

Hello All, We're looking for some advice on what to do with my wife's new 401K portfolio options. Here's the summary: Emergency funds: Yes. Tax Filing Status: Married Filing Jointly Tax Rate: 39.6% Federal, 0% State State of Residence: Tx Age: 35/35 Desired Asset allocation: 65% stocks / 35% bonds C...
by BrianOB
Wed Jan 30, 2013 1:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K Fund Choices - Best of a Bad Situation (Valic/DWS)
Replies: 7
Views: 2517

Re: Non Deductible Traditional IRA vs Roth IRA

I do not believe a non-deductible IRA is worth it for you even if you only put bond funds in the IRA. For it to be worth it, you need to convert it to Roth IRA at a lower tax rate, but that is not going to happen due to the rollover IRA. If you need more bond assets than you can fit in your tax-adv...
by BrianOB
Tue Jan 29, 2013 6:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Non Deductible Traditional IRA vs Roth IRA
Replies: 14
Views: 1609

Re: Non Deductible Traditional IRA vs Roth IRA

Travellight, Retiredjg thank you for your time.

I think it seems more clear to me now that it's not as simple as RIRA = Better. It looks like the timing of your Roth contributions is important.

I do not have any IRA accounts in my name and no 401K.
by BrianOB
Thu Jan 24, 2013 7:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Non Deductible Traditional IRA vs Roth IRA
Replies: 14
Views: 1609

Re: Rebalancing from IRA

RandyAdams1978: No useful contribution from me here but I was going to ask the exact same question however, you asked it better. Thanks!
by BrianOB
Wed Jan 23, 2013 2:58 pm
 
Forum: Investing - Theory, News & General
Topic: Rebalancing from IRA
Replies: 12
Views: 1326

Re: Non Deductible Traditional IRA vs Roth IRA

Thank you both for the replies. Chipmonk: That helps me a lot. Everywhere I've looked people seem to have a strong pro-Roth-IRA bias, and an anti-non-deductible Trad IRA bias and there are a mountain of articles and comments urging people to convert and I wasn't sure whether the Roth IRA Conversion ...
by BrianOB
Wed Jan 23, 2013 12:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Non Deductible Traditional IRA vs Roth IRA
Replies: 14
Views: 1609

Non Deductible Traditional IRA vs Roth IRA

So I've been reading another vitriolic and extremely long thread here arguing the benefits of Traditional vs Roth IRAs and I'm very confused. Without wanting to start any more fights, I'm hoping that my situation is simple enough and that someone can explain it to me. Here's the summary: The good ne...
by BrianOB
Tue Jan 22, 2013 7:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Non Deductible Traditional IRA vs Roth IRA
Replies: 14
Views: 1609

Re: The worst [investing] advice [you have received]

Three examples, the worst advice at the top, the most frequent giver of bad advice being my father, at the bottom: (1) In 2007 my fiancee and I went shopping for a financial adviser to help us with our debts and financial structures. Four of the five advisers instead came up with plans to take out 6...
by BrianOB
Tue Jan 22, 2013 3:44 pm
 
Forum: Investing - Theory, News & General
Topic: The worst [investing] advice [you have received]
Replies: 64
Views: 5329

Re: If market drops 50% in a week will you rebalance?

"I'd only rebalance if it was the beginning of January, because that's the only time I do it." That's the problem with scheduled rebalancing. You miss the best opportunities. I'm not sure if I've missed something here but there's something that seems very un-bogleheadish about this whole ...
by BrianOB
Tue Jan 22, 2013 2:42 pm
 
Forum: Investing - Theory, News & General
Topic: If market drops 50% in a week will you rebalance?
Replies: 118
Views: 5831

Re: New to US (from Australia)

Ted Swippet : Thanks again for taking the time to read my post, besides spoiling my weekend. I bet you're really popular at weddings! But seriously, your post was extremely useful. englishgirl : Yes, she can and does legally work and work legally (she's a lawyer...). A lot of the spouses we know ei...
by BrianOB
Mon Aug 13, 2012 11:35 am
 
Forum: Investing - Help with Personal Investments
Topic: New to US (from Australia)
Replies: 16
Views: 1783

Re: New to US (from Australia)

Hi all, thank you for taking the time to read my complex and rambling questions. I'm really impressed at how civil and patient everyone is here. It's like the anti-Youtube. I think I probably scared everyone off with the complexity of the tax implications but I didn't want to focus on this issue too...
by BrianOB
Wed Aug 08, 2012 5:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: New to US (from Australia)
Replies: 16
Views: 1783

New to US (from Australia)

Hello, First time poster here. I'm looking for some investing advice and perhaps a quick introduction to US lingo. My wife and I are Australians who have been temporarily posted (3-5 years) to the US. I work for a multinational corporation and so I am still paid in Australia. She works for a local (...
by BrianOB
Tue Aug 07, 2012 5:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: New to US (from Australia)
Replies: 16
Views: 1783

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