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Rebalancing in a taxable account with muni funds?

I am trying to assist my mother with rebalancing, she is looking to change her asset allocation and move more into bonds as she is now in her mid 60s. She has expressed to me she does not like paying lots of taxes on her dividends and capital gains in her taxable account (she is in the 25% federal b...
by CorradoJr
Thu May 15, 2014 6:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing in a taxable account with muni funds?
Replies: 1
Views: 303

Effect of MRD on AA?

I am assisting my mother with her portfolio as she nears full retirement, but have a general question on how MRDs can shift AA. For example, she has roughly a 50/50 portfolio set-up as follows: 50% Taxable (3 fund equity index portfolio), roughy $300k 50% Tax-advantaged ($50k ROTH and $250k Traditio...
by CorradoJr
Fri May 10, 2013 8:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Effect of MRD on AA?
Replies: 2
Views: 249

Contribute to Roth or attack debt?

I am looking for insight on how to proceed with my personal finances. To make a long story short, we incured approximately $100k in credit card debt in 2008/2009 to self-finance a home renovation. (This was foolish and I have since learned many things since those times.) We are down to paying the la...
by CorradoJr
Wed Feb 06, 2013 11:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Contribute to Roth or attack debt?
Replies: 5
Views: 390

Re: 403b rollover to IRA

The real question is where the choices in the 403(b) are as good or better than an IRA. Without that information, it's difficult to say whether it makes sense to roll it over or not. Brian Good point - Her 403b plans do not allow Admiral class shares. The reason we want to rollover is so she can ta...
by CorradoJr
Thu Jul 19, 2012 3:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: 403b rollover to IRA
Replies: 5
Views: 459

403b rollover to IRA

I am helping my 65 year old mother rollover her $170k 403b plan to an IRA at Vanguard. I've done lots of research, but most of my background comes from the old-school (before the 2001 EGTRRA rules) on Rollover IRAs, so my thinking is flawed, and I'm seeking futher help! She is semi-retired and in ad...
by CorradoJr
Thu Jul 19, 2012 9:25 am
 
Forum: Investing - Help with Personal Investments
Topic: 403b rollover to IRA
Replies: 5
Views: 459

Re: Help with my Semi-Retired Mother's Portfolio

Just a few updates, and thanks again to all those assisting me with this process: I made a few changes, here is the current portfolio, aiming for 35/65 stock/bond in the end. Got rid of the Retirement 2010 funds in the IRAs and also the Total Bond in the taxable account. Current portfolio is approxi...
by CorradoJr
Sun May 06, 2012 7:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with my Semi-Retired Mother's Portfolio
Replies: 17
Views: 1346

Re: Help with my Semi-Retired Mother's Portfolio

Corradojr, you mentioned not reinvesting any more dividends in the bond fund, but you really have not said much about what the unrealized gain is (remember that the dividends have already been taxed). Since bonds don't go up that much in value, she might be able to sell it for just a little tax and...
by CorradoJr
Sun Apr 29, 2012 7:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with my Semi-Retired Mother's Portfolio
Replies: 17
Views: 1346

Re: Help with my Semi-Retired Mother's Portfolio

I must confess i first read the title as "semi-retarded mother", and I am a terrible person :oops: Anyway, how does her income compare to her expenses, is she still, on net, saving, or dissaving? Is the money market money considered part of her "retirement portfolio" or earmarke...
by CorradoJr
Sun Apr 29, 2012 7:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with my Semi-Retired Mother's Portfolio
Replies: 17
Views: 1346

Re: Help with my Semi-Retired Mother's Portfolio

Hello, I am reaching out to the Boglehead community for assistace with my semi-retired mother's portfolio. She is 64 years old. I have been working with her for several years to try and consolidate all of her assets at Vanguard, including moving her IRAs from Fidelity. Current objectives: 1. Determ...
by CorradoJr
Sun Apr 29, 2012 7:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with my Semi-Retired Mother's Portfolio
Replies: 17
Views: 1346

Re: Use 0% Credit Card Convenience Checks to Invest?

What about Regulation T, which usually limits buying securities on margin (ie. credit?)
by CorradoJr
Fri Apr 27, 2012 4:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Use 0% Credit Card Convenience Checks to Invest?
Replies: 8
Views: 1393

Re: what price do you get?

Open-ended mutual funds are almost always forward-priced. As long as the trade is entered before 4:00pm EST, you will get that day's closing price.
by CorradoJr
Fri Apr 27, 2012 2:28 pm
 
Forum: Investing - Theory, News & General
Topic: what price do you get?
Replies: 43
Views: 3282

Re: Help with my Semi-Retired Mother's Portfolio

Hi Pennstateclj1, thanks for your feedback! Here are a few followup questions based on your comments: 1. For the Roth and Traditional IRA, is there any specific reason to keep the R-IRA invested in Total Bond, and the T-IRA in TIPS? 2. She is in the 25% tax bracket if that helps with the tax issue. ...
by CorradoJr
Fri Apr 27, 2012 10:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with my Semi-Retired Mother's Portfolio
Replies: 17
Views: 1346

Re: Help with my Semi-Retired Mother's Portfolio

A couple of questions/points: 1. What are the other options in the 403b, and the expense ratio? Is she still working at the company that provides the 403b? At her age, some plans allow in-service rollover. Is she still contributing? Does she get a match? She was a teacher and has separated from her...
by CorradoJr
Thu Apr 26, 2012 9:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with my Semi-Retired Mother's Portfolio
Replies: 17
Views: 1346

Help with my Semi-Retired Mother's Portfolio

Hello, I am reaching out to the Boglehead community for assistace with my semi-retired mother's portfolio. She is 64 years old. I have been working with her for several years to try and consolidate all of her assets at Vanguard, including moving her IRAs from Fidelity. Here is a current breakdown of...
by CorradoJr
Thu Apr 26, 2012 11:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with my Semi-Retired Mother's Portfolio
Replies: 17
Views: 1346

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