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Re: Taxable funds to a Roth

that said, if those expense ratios you posted are accurate your 401k is pretty amazing, so the usual advice may not apply. This is why I think the 401k is worth maxing first. These ERs are tiny and there is only a set $80 record keeping fee. I called today to confirm these numbers and they're corre...
by DietPepsi
Fri May 03, 2013 11:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxable funds to a Roth
Replies: 4
Views: 317

Taxable funds to a Roth

I put $10,000 into VSMAX (small cap) and $10,000 into VTSAX (total market) in taxable accounts about a month ago. My question is, should I withdraw $5,500 and put it into a Roth IRA? I didn't really think about a Roth ahead of time, I should have. I'm slowly increasing my contribution to my 401k but...
by DietPepsi
Fri May 03, 2013 11:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxable funds to a Roth
Replies: 4
Views: 317

Re: Where to Invest HSA (live in CA)?

It is true that California taxes HSA deposits but not federal.
by DietPepsi
Sun Apr 28, 2013 6:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where to Invest HSA (live in CA)?
Replies: 2
Views: 279

fundamental index vs capitalization inxed

http://www.theglobeandmail.com/globe-investor/investment-ideas/strategy-lab/index-investing/is-it-worth-making-the-shift-to-fundamental-indexes/article11446205/ I'm a young investor and I'm trying to learn the from these forums but I recently read this article and I'm curious what a boglehead's resp...
by DietPepsi
Wed Apr 24, 2013 11:17 am
 
Forum: Investing - Theory, News & General
Topic: fundamental index vs capitalization inxed
Replies: 6
Views: 542

Re: student loans vs Roth IRA

Just saying, you are not protecting yourself at all. Who is to say she doesn't finish school, get a good job, and split? I'm not saying she will. But do you think that doesn't happen? Good luck to you. We've been together for 4 years and already had a wedding ceremony but aren't legally married bec...
by DietPepsi
Fri Apr 19, 2013 3:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: student loans vs Roth IRA
Replies: 15
Views: 1450

Re: student loans vs Roth IRA

Alternatively, if you've already merged your finances completely in anticipation of marriage, you should probably edit your post to include the combined financial picture. We have combined banked accounts, correct. She has access to my funds not to mention my parents are very supportive of both of ...
by DietPepsi
Fri Apr 19, 2013 2:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: student loans vs Roth IRA
Replies: 15
Views: 1450

student loans vs Roth IRA

I'm posting on behalf of my girlfriend: Emergency funds: I can rely on my boyfriend so I don't need one Debt: Student Loans: $4500 4.5% 15 years (deferred until Aug. 14) $3000 6.8% 15 years (deferred until Aug .14) $8250 3.4% 15 years (deferred until Aug. 14) $2000 6.8% 15 years (deferred until Aug....
by DietPepsi
Fri Apr 19, 2013 12:42 am
 
Forum: Personal Finance (Not Investing)
Topic: student loans vs Roth IRA
Replies: 15
Views: 1450

Re: 401k beginner

Unfortunately I don't pick which insurance plan my employer offers. This is my only option until my girlfriend and I marry and I can get insurance through her employer. Your girlfriend works in a job that offers health insurance, but you support her financially??? You super sure about that realtion...
by DietPepsi
Sun Apr 14, 2013 9:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k beginner
Replies: 14
Views: 716

Re: 401k beginner

I have no debt but I have type 1 diabetes so I spend a good amount on medication because my insurance has a high deductible. I have not checked lately, but it is my understanding that standard insurance (rather than high deductible with HSA) is usually the better choice for people with a chronic co...
by DietPepsi
Sun Apr 14, 2013 3:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k beginner
Replies: 14
Views: 716

Re: 401k beginner

IMO, ditch the Russell 1000 growth and shave down enough from the other holdings to put at least 15% in the BarCap Agg Bond fund. I agree with this approach except I'd say 20% in the BarCap bond fund. http://www.bogleheads.org/forum/viewtopic.php?p=538014 I don't see any purpose for the Russell 100...
by DietPepsi
Sun Apr 14, 2013 2:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k beginner
Replies: 14
Views: 716

Re: 401k beginner

Is this what I should be doing to should I just contribute 4% to get the match and go for a Roth? Not enough information to say for sure. What are your debts? What are your monthly expenses? If you are making $70k/year while young and single, you ought to be able to max out both your 401k and an IR...
by DietPepsi
Sun Apr 14, 2013 2:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k beginner
Replies: 14
Views: 716

401k beginner

I am 23 years old, single, want to retire at 58, and contribute 11% of my income + 4% company match to these funds. I make $70k and pay no state income tax because I live in Texas (for now). No debt. Is this what I should be doing to should I just contribute 4% to get the match and go for a Roth? He...
by DietPepsi
Sun Apr 14, 2013 1:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k beginner
Replies: 14
Views: 716

Re: ETF vs Index Fund

Thanks for the replies guys. I'm with you I'd just like to learn more about ETFs. Can someone explain premium/discount aspect of an ETF? Also, how does Vanguard handle dividends for ETFs?
by DietPepsi
Wed Apr 10, 2013 7:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: ETF vs Index Fund
Replies: 19
Views: 1344

Re: ETF vs Index Fund

One downside an EFT is that you don't understand them. Since you should not invest in things you don't understand this means you have to do more work before investing in an EFT. :happy I completely agree with you but that's why I'm here, to get a better understanding :happy Will you automatically r...
by DietPepsi
Wed Apr 10, 2013 4:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: ETF vs Index Fund
Replies: 19
Views: 1344

ETF vs Index Fund

I wasn't sure if this was "theory" or "personal" but decided to post it here. I have $20,000 I'm planning to invest for 5-10 years. I'm currently in VFIAX (vanguard 500 admiral) and VSMAX (vanguard small cap admiral) at 50/50. I'm planning on moving the $10,000 from Vanguard 500 ...
by DietPepsi
Wed Apr 10, 2013 4:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: ETF vs Index Fund
Replies: 19
Views: 1344

Re: 23 y/o 401k and international exposure advice

wow just looked it up and apparently you don't add the fees, gross already contains the management fee. Am I wrong in thinking my employer has a great 401k plan selection? Although the expense ratios (which do contain management fees) are paid to the individual funds, I'll bet the management fees a...
by DietPepsi
Sat Apr 06, 2013 10:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: 23 y/o 401k and international exposure advice
Replies: 8
Views: 997

Re: 23 y/o 401k and international exposure advice

hi dp, Emergency funds: Don't need one, I can safely rely on my parents if needed everyone's family situation is different, but for me financial independence has to come before retirement planning. more pragmatically, do your parents know that your financial plan includes their emergency funds? if ...
by DietPepsi
Sat Apr 06, 2013 5:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: 23 y/o 401k and international exposure advice
Replies: 8
Views: 997

Re: 23 y/o 401k and international exposure advice

I know nothing of bond funds at all. Is: +1 Yr +3.23% 3 Yr +5.45% 5 Yr +5.36% good gains for a bond fund? Is this a "safer" bond fund or riskier? Also, is either FTSE or TI more heavily weighted in emerging market? Finally, after browsing my this forum and comparing my companies 401k sele...
by DietPepsi
Sat Apr 06, 2013 4:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: 23 y/o 401k and international exposure advice
Replies: 8
Views: 997

Re: 23 y/o 401k and international exposure advice

Welcome to the forum :) . I have a few questions. 1) Am I contributing into the right funds for my 401k? 2) What should my composition be for non retirement investments? 3) Is there anything I'm doing wrong? Age: 23 Desired Asset allocation: 100% stocks / 0% bonds Desired International allocation: ...
by DietPepsi
Sat Apr 06, 2013 3:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: 23 y/o 401k and international exposure advice
Replies: 8
Views: 997

23 y/o 401k and international exposure advice

Emergency funds: Don't need one, I can safely rely on my parents if needed Debt: none Tax Filing Status: Single Tax Rate: 70k income unsure of % Federal, 0% State State of Residence: Texas Age: 23 Desired Asset allocation: 100% stocks / 0% bonds Desired International allocation: 30% of stocks (I don...
by DietPepsi
Fri Apr 05, 2013 9:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: 23 y/o 401k and international exposure advice
Replies: 8
Views: 997

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