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Re: New investor would deeply appreciate advise.

So I would be better off saving towards a down-payment on a house as a first priority, and investing any additional funds into the "Small Business Retirement Plan at Fidelity you mentioned? Since you have two years left to save before buying your house the down-payment is a priority for you. I...
by Duckie
Tue Sep 30, 2014 6:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: New investor would deeply appreciate advise.
Replies: 8
Views: 615

Re: Best 401K for 26-year-old

velma55 , at age 26 I would recommend an AA of 80% stocks, 20% bonds, with 30% of stocks in international. That breaks down to 56% US stocks, 24% international stocks, and 20% bonds. If all you have is your 401k you could have: 401k at Fidelity -- 100% 45% ( VINIX ) Vanguard Institutional Index Fun...
by Duckie
Mon Sep 29, 2014 4:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best 401K for 26-year-old
Replies: 19
Views: 1354

Re: New investor would deeply appreciate advise.

Tax Rate: I am self employed. What is your marginal tax bracket (both federal and state)? Desired Asset allocation: Not sure what I should invest in or how much. Desired International allocation: Not sure what I should invest in or how much. At age 27 I would recommend a retirement AA of 80% stocks...
by Duckie
Mon Sep 29, 2014 4:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: New investor would deeply appreciate advise.
Replies: 8
Views: 615

Re: 401k rollover help needed

Thank you, I will do the transfer. I just need to receive a paperwork. This will also give me more time to decide where and which fund to invest in exactly. Where are you planning to transfer to? In addition, my husband agreed to increase contributions to his 457 plan as per your previous suggestio...
by Duckie
Sun Sep 28, 2014 4:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k rollover help needed
Replies: 11
Views: 931

Re: Notice From Vanguard About Impending Transfer

Since account numbers are changing does this mean that Direct Deposit set-ups will have to be re-done? If you have a pension or social security going to an account, if the number changes will that cause the payment to bounce?
by Duckie
Sat Sep 27, 2014 6:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Notice From Vanguard About Impending Transfer
Replies: 17
Views: 2036

Re: Need advice; Significant Student Loan Burden

Not sure what you mean about non-Roth after tax options.... Besides the regular pre-tax 401k and the post-tax Roth 401k, some employer plans also have an after-tax option that allows additional employee contributions. These contributions are not deductible but can shelter a lot more of your income....
by Duckie
Sat Sep 27, 2014 6:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need advice; Significant Student Loan Burden
Replies: 18
Views: 1383

Re: 401k rollover help needed

I noticed the market is not growing up as much in last couple of months. Will it go more down, back up? It will probably do both. That's what the market does, goes up and down. You can't time things. I was told I should trade or rollover when my funds are on the way up, not down. Generally under wh...
by Duckie
Sat Sep 27, 2014 6:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k rollover help needed
Replies: 11
Views: 931

Re: Need advice; Significant Student Loan Burden

Olivestreetcouple , welcome to the forum. With the amount of money you're making you could both max your 401k plans ($17.5K) plus your backdoor Roth IRAs ($5.5K) plus pay off all of your debt in just three years if you wanted to. Then you could load up on your taxable retirement investing. Do eithe...
by Duckie
Fri Sep 26, 2014 7:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need advice; Significant Student Loan Burden
Replies: 18
Views: 1383

Re: Questions before funding a new 401K

n00b_to_investing , please list the expense ratios for all the options. I see four good possibilities already: Fidelity Spartan 500 Index Fidelity Spartan Extended Market Index American Funds EuroPacific Vanguard Total Bond Market Index Does her new 401k allow incoming rollovers from IRAs? The plan...
by Duckie
Fri Sep 26, 2014 5:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Questions before funding a new 401K
Replies: 2
Views: 226

Re: Notice From Vanguard About Impending Transfer

vested1, here's the online brochure with details about the upgrade. Your email should have provided a link to start the process. Customers are being invited slowly so as not to overwhelm their system.
by Duckie
Fri Sep 26, 2014 4:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Notice From Vanguard About Impending Transfer
Replies: 17
Views: 2036

Re: 401k rollover help needed

I am not sure anymore it would be wise to do the rollover due to the market now. What is the market doing that prevents you from rolling over? You would be moving from being in the market in both your old 401k and your TIRA to being in the market in your new rollover IRA. No real change. What is th...
by Duckie
Fri Sep 26, 2014 3:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k rollover help needed
Replies: 11
Views: 931

Re: 401k rollover help needed

Should I edit my post to make a note in there that I listed this in an error? As long as your percentages are correct that's not necessary. I will not roll over to a Roth at this time and will see at the end of each year how much or if to transfer from TIRA to Roth. Sounds sensible. We are hoping o...
by Duckie
Thu Sep 25, 2014 6:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k rollover help needed
Replies: 11
Views: 931

Re: 401k rollover help needed

When I converted my Simple IRA account to the TIRA within First Investors I lost 33% of what I had. Was that common in year 2005? When you say you "lost 33%" do you mean that you somehow lost some of the assets in the actual rollover (not conversion) or that the value went down soon after...
by Duckie
Wed Sep 24, 2014 11:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k rollover help needed
Replies: 11
Views: 931

Re: 401k rollover help needed

Janes , welcome to the forum. Age : 53 Desired Asset allocation : 95% stocks, 5% bonds – open to suggestions Desired International allocation : about 1/4% of stocks 95% stocks at age 53 is extremely aggressive. You should be no more than 70% stocks and 60% would be even better. As for international...
by Duckie
Wed Sep 24, 2014 4:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k rollover help needed
Replies: 11
Views: 931

Re: Considering converting SEP to solo 401k and go backdoor

Are the Fidelity 401k funds similar expense ratio to the Vanguard Admiral funds? Fidelity Spartan funds Advantage class is comparable to Vanguard funds Admiral shares. See here . Are there better ETF options at Fidelity? Maybe. But the main issue is that you can roll a SEP IRA into a Fidelity solo ...
by Duckie
Wed Sep 24, 2014 3:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Considering converting SEP to solo 401k and go backdoor Roth
Replies: 19
Views: 947

Re: Tax help - Error on form 8606

Are you supposed to file a form 8606 EVERY year or just those years where there is a traditional IRA contribution?? I filed one last year but it had been 8-10 years since I filed the previous one. You are required to file it every year you make a non-deductible contribution, make a conversion, and/...
by Duckie
Wed Sep 24, 2014 3:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax help - Error on form 8606
Replies: 16
Views: 858

Re: Pots of Gold: Here, There and Everywhere

AllEyesAndEars , welcome to the forum. You don't list an AA but at your age I think 50% stocks, 50% bonds, with 30% of stocks in international would be a good starting point. That breaks down to 35% US stocks, 15% international stocks, and 50% bonds. Here is what you could have: Rollover IRA at Van...
by Duckie
Tue Sep 23, 2014 5:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help: Simplify My Investments at Vanguard
Replies: 5
Views: 658

Re: Starting 401(k)

Now, I need some help selecting funds for my 401k. The best individual options in your 401k are: (VIIIX) Vanguard Institutional Index Fund Institutional Plus Shares (VIEIX) Vanguard Extended Market Index Fund Institutional Shares <-- Split them 80% VIIIX plus 20% VIEIX. (VGTSX) Vanguard Total Inter...
by Duckie
Sun Sep 21, 2014 4:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Starting 401(k)
Replies: 8
Views: 568

Re: How to go about our messy portfolio?

Is there any advantage using backdoor Roth IRA when Roth 401K is available for both of us? Contributing to a Roth IRA via the backdoor allows you to shelter more income. If you can afford the extra contributions, then doing so is a good idea. Whether you choose to backdoor or not at least move your...
by Duckie
Sat Sep 20, 2014 4:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to go about our messy portfolio?
Replies: 20
Views: 2316

Re: Portfolio recommendations ?

Grt2bOutdoors wrote:I think SD means San Diego and RV means Recreational Vehicle. My telepathy is a bit cloudy tonight with all this cloud cover. :wink:

That's kinda what I thought at first but an RV worth $400K? Wow!
by Duckie
Fri Sep 19, 2014 11:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio recommendations ?
Replies: 7
Views: 386

Re: Starting 401(k)

Also, just for clarification, BOTH traditional and ROTH 401k are limited to $17,500 as of 2014? Correct? I am just a bit confused due to this statement from Vanguard: http://i59.tinypic.com/vsc10w.png Both traditional and Roth 401k plans have $17.5K limits for 2014. However, the image is referencin...
by Duckie
Fri Sep 19, 2014 11:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Starting 401(k)
Replies: 8
Views: 568

Re: Portfolio recommendations ?

summit_rider , welcome to the forum. Merrill Lynch Money Mkt. $250K Fidelity Money Mkt. $309K ( Want to rollover into Vanguard self directed IRA ) ROTH IRA Vanguard M Mkt. $38K Which account is the 401k, Fidelity? Is the Merrill account taxable? Would you consider moving the taxable account to Vang...
by Duckie
Fri Sep 19, 2014 11:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio recommendations ?
Replies: 7
Views: 386

Re: New and Trying to Make Good Decisions

Just keep track of your cost basis and use specID when you sell to get maximum tax savings. VTSAX and VTIAX kick off dividends each quarter so you'll have to declare those, but no big deal, Vanguard will send you the statements. I was hoping that Vanguard would keep track of everything I would need...
by Duckie
Fri Sep 19, 2014 9:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: New and Trying to Make Good Decisions
Replies: 17
Views: 1220

Re: How to go about our messy portfolio?

Do you know if there is any tax implication for merging the SEP and TIRA? His SEP IRA was actually from his consulting days with an S or C corp. What happen if he goes back to consulting in the future? Can he open another SEP IRA account? There are no tax implications. If he goes back to consulting...
by Duckie
Fri Sep 19, 2014 9:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to go about our messy portfolio?
Replies: 20
Views: 2316

Re: New and Trying to Make Good Decisions

DragonWagon , since you show no non-Roth IRAs you can easily use the 
 Backdoor Roth IRA 
 method. It's simple: ⋅ Open a Traditional IRA account and contribute up to the $5.5K max. These will be considered non-deductible contributions but your TIRA custodian doesn't need that information,...
by Duckie
Thu Sep 18, 2014 3:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: New and Trying to Make Good Decisions
Replies: 17
Views: 1220

Re: How to go about our messy portfolio?

1. His SEP IRA was from a former job when he was on a 1099. That means he can combine it with His TIRA for one less account or possibly roll both to His current 401k. 2. Her SEP IRA is from her current job on a 1099. So she is self-employed, using the SEP IRA and will stop contributing to the SEP a...
by Duckie
Thu Sep 18, 2014 2:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to go about our messy portfolio?
Replies: 20
Views: 2316

Re: How to go about our messy portfolio?

lpk007 , I have some questions/comments: ⋅ Is His SEP IRA from a current or former job? . ⋅ Is Her SEP IRA from a current or former job? . ⋅ Are you anywhere near the income limits for direct contributions to Roth IRAs? . ⋅ Will his current 401k (I believe it...
by Duckie
Thu Sep 18, 2014 12:34 am
 
Forum: Investing - Help with Personal Investments
Topic: How to go about our messy portfolio?
Replies: 20
Views: 2316

Re: Portfolio questions

phil11 , you have an AA of 80/20 but I think at age 45 you should be at least 30% bonds so for the following proposal I have you at 70% stocks, 30% bonds, with 30% of stocks in international. That breaks down to 49% US stocks, 21% international stocks, and 30% bonds. Assuming you open and fund two ...
by Duckie
Wed Sep 17, 2014 10:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio questions
Replies: 9
Views: 893

Re: Make Link show as title instead of URL?

runner9 , whenever you see something on a page here and think, "I wonder how that's done?" just hit the "QUOTE" button on that post. Then you'll see all the format coding. You can practice on this thread . And make good use of the "Preview" button before hitting "...
by Duckie
Wed Sep 17, 2014 9:56 pm
 
Forum: Forum Issues and Administration
Topic: Make Link show as title instead of URL?
Replies: 5
Views: 347

Re: Transferring trad. IRA to Vanguard index funds

WillChaucer , welcome to the forum. Your AA looks like 40% stocks, 60% bonds, with 25% of stocks in international, breaking down to 30% US stocks, 10% international stocks, and 60% bonds. At age 61 that seems very sensible. Traditional IRA at Vanguard -- $144K -- 100% 30% ( VTSAX ) Vanguard Total S...
by Duckie
Tue Sep 16, 2014 9:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Transferring trad. IRA to Vanguard index funds
Replies: 7
Views: 470

Re: What to do?? Asset allocation/General Stratergy

Perhaps, it's best to divide and conquer and do some of the 20k towards retirement and some towards a 5 year money for short term goals like another house or business. Splitting the cash and putting some toward retirement and some toward short-term goals is a good idea. My adjusted gross income is ...
by Duckie
Tue Sep 16, 2014 5:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do?? Asset allocation/General Stratergy
Replies: 7
Views: 916

Re: Portfolio questions

Current retirement assets His-Company Retirement plan- 10k (Marathon cash Balance Plan) What is this invested in, actual cash or something else? What are the options/costs? His-No contributions to IRA this year Is His IRA part of His Rollover IRA or is it separate? If separate, how much? (Since you...
by Duckie
Tue Sep 16, 2014 5:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio questions
Replies: 9
Views: 893

Re: Quick question about Vanguard money market

Can I just leave a couple dollars in the fund and have my dividends deposited there each quarter? Will Vanguard close the fund? I think if you leave at least $500 in the fund there won't be an issue. However, you can link your bank account with Vanguard and have dividends sent directly there withou...
by Duckie
Mon Sep 15, 2014 7:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Quick question about Vanguard money market
Replies: 3
Views: 549

Re: Portfolio questions

Tax Rate: 17% Federal There is no 17% bracket. We need your marginal rate, not the effective rate. Age: 45 Desired Asset allocation: 80% stocks /20 % bonds? Looking for guidance here as well for my age group. I think at age 45 you should be at least 30% bonds if not more. You didn't mention your in...
by Duckie
Mon Sep 15, 2014 7:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio questions
Replies: 9
Views: 893

Re: Portfolio Advice Needed - Thanks!

Debt: Student Loans (16k, 5.3-6.5% Interest Rates) What should I do with my 16k in cash? Not to pile on, but yeah, pay this off. Desired International allocation: Not sure. Any recommendations? Vanguard has found between 20% and 40% of stocks in international to be the "sweet spot". See t...
by Duckie
Mon Sep 15, 2014 6:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice Needed - Thanks!
Replies: 4
Views: 463

Re: The Roosevelts, PBS special

I recorded it. Correct me if I am wrong...I got 30 minutes of actual Roosevelt show, and 15 minutes of how great Ken Burns is and 15 more of PBS begging. Am I missing something? You probably watched the one-hour preview of the series. I saw that last month. The series is seven two-hours episodes. H...
by Duckie
Mon Sep 15, 2014 5:57 pm
 
Forum: Personal Consumer Issues
Topic: The Roosevelts, PBS special
Replies: 98
Views: 7600

Re: What to do?? Asset allocation/General Stratergy

I have nothing specific planned for the 20k. It's a good problem to have but after maxing out IRA and 401k where do I put extra income? I can't add it to the emergency fund because the 1% interest paid drops off after balance of >=25k to virtually nil hence the second high interest savings account ...
by Duckie
Mon Sep 15, 2014 4:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do?? Asset allocation/General Stratergy
Replies: 7
Views: 916

Re: What to do?? Asset allocation/General Stratergy

1. What to do with cash on hand in the taxable savings account? It depends on the purpose and time-line. Is the $20K for retirement or something else? 2. Any suggests for future allocations to the retirement accounts? • Drop RERCX in the 401k. Put the international into either taxable (if the taxab...
by Duckie
Sun Sep 14, 2014 5:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do?? Asset allocation/General Stratergy
Replies: 7
Views: 916

Re: Introduction

SirGeekaLot , welcome to the forum. Having an emergency fund is good. Setting up a budget is good. The only extra thing I can think of that you might want to do this year is to open a Roth IRA. But that depends on whether your stipend is considered "earned income" (not all are) and whethe...
by Duckie
Sat Sep 13, 2014 4:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Introduction from a new investor
Replies: 8
Views: 762

Re: New to investing - Timing Questions

gasman777 , welcome to the forum. With that said, I'm getting tired of my personal fear of losing my hard earned money The market is volatile, it goes up and down a lot. There are times when no matter what you do you're going to lose money. Just be prepared for it. I'm leaning towards index funds s...
by Duckie
Fri Sep 12, 2014 8:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: New to investing - Timing Questions
Replies: 8
Views: 856

Re: Need some advice on expanding my portfolio!

nashirak , welcome to the forum. Contributions His 401k, 20% plus 10% employee match Her 401k, 15% plus 5% employee match How much is that in dollar amounts? -So all that to say, I am looking to add a roth IRA for each of us maxed out each year. What sort of spread should we be looking at? -We have...
by Duckie
Thu Sep 11, 2014 9:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need some advice on expanding my portfolio!
Replies: 6
Views: 867

Re: New Portfolio help for young independent contractor

dwelling , welcome to the forum. I am currently in the process of consolidating this account with another (much smaller) personal Edward Jones account my grandparents opened for me some years back as well. Does this mean you are moving EJ #2 into EJ #1? Has this happened yet? The first thing you ne...
by Duckie
Thu Sep 11, 2014 9:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Portfolio help for young independent contractor
Replies: 5
Views: 632

Re: Help with Backdoor Roth

I just recently rolled over my 401k to an IRA. So does this mean I cannot do a backdoor roth this year? You are allowed to use the Backdoor Roth IRA method, but it'll cost you because of the pro-rata rule . Does this also mean I should convert all my IRA's into my current employers 401k this year s...
by Duckie
Wed Sep 10, 2014 3:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Backdoor Roth
Replies: 32
Views: 1468

Re: WA state Teacher Retirement System questions

Erhan wrote:How does one setup a 403(b) and 457(b) account? My girl friend is in Northshore School District.

They are set up through her employer. She needs to contact her Human Resources or Benefits department for her district to find what is available to her.
by Duckie
Wed Sep 10, 2014 3:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: WA state Teacher Retirement System questions
Replies: 32
Views: 2279

Re: Portfolio help for a newbie

anna , welcome to the forum. Does my portfolio seem reasonable? Yes. It seems complicated rebalancing my portfolio with different amounts of contributions adding to different accounts each month. Should I just do it once a year? I am just worried about the allocation excessively off target. Rebalan...
by Duckie
Tue Sep 09, 2014 9:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio help for a newbie
Replies: 4
Views: 508

Re: Advice on my prior accounts

Can I/Should I rollover any of my non-ira accounts into the solo 401k? Can you? Yes. Should you? Probably. It depends on the current options in the old employer plans, but putting them all in the same place would make things a lot easier. I assume you're considering a Fidelity Self-Employed 401k Pl...
by Duckie
Mon Sep 08, 2014 6:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice on my prior accounts
Replies: 5
Views: 560

Re: General Direction & Help

One follow-up on #2, you indicate a mix of savings/MMA (~0.95%), CDs (~1% 1 yr), I-Bonds (1.94%), and VBISX (0.20%). What is the advantage gained by the mix as opposed to just the max yielding option of I-bonds and savings for very-near-term? It depends on your time-frame. I bonds cannot be redeeme...
by Duckie
Mon Sep 08, 2014 2:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: General Direction & Help
Replies: 4
Views: 423

Re: Rebalancing a 3 fund portfolio

Mildot wrote:Also, what would be some good books to read to learn more about investing, starting from the basics.

See Books: recommendations and reviews in the Wiki. Many of these books can be found in libraries.
by Duckie
Sat Sep 06, 2014 7:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing a 3 fund portfolio
Replies: 21
Views: 1976

Re: Please Help: I am eligible to participate in my first 40

avidsaver , you have a desired AA of 80% stocks, 20% bonds, with 30% of stocks in international. That breaks down to 56% US stocks, 24% international stocks, and 20% bonds. Given the mentioned 401k options I'd go with either: 401k -- 100% 50% ( N/A ) BlackRock Russell 1000 Index Fund (0.03%) 6% ( N...
by Duckie
Sat Sep 06, 2014 7:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please Help: I am eligible to participate in my first 401K.
Replies: 11
Views: 1042

Re: roll pension over to Trad. IRA in this situation?

Any thoughts on which option to take & why? I would pick #1 for the following reasons: ⋅ Your medical insurance would be subsidized. I have that perk and it's nice. Health insurance rates, even Kaiser, are skyrocketing. ⋅ You get the $9K unused sick leave. (Why you don't get...
by Duckie
Sat Sep 06, 2014 6:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: roll pension over to Trad. IRA in this situation?
Replies: 8
Views: 494
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