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Re: Vanguard Personal Advisor Service Investment Plan

As for an actual retirement fund our plan is to share my Roth TSP which will be rolled over into my Roth IRA after my commitment with the military. What do you think of that plan? When you leave the military do NOT roll the Roth TSP into a Roth IRA. The TSP is too valuable. Not only are the costs t...
by Duckie
Tue Mar 03, 2015 11:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Personal Advisor Service Investment Plan
Replies: 22
Views: 897

Re: Mid Thirties/Divorced and seeking a fresh start

employer provided fidelity account stops taking money out once the max is hit (which is $17k for 2015 including both 401k and Roth) So when you say "401k and Roth" do you mean a regular pre-tax 401k and a Roth 401k? Not a Roth IRA? And the 401k max in 2014 was $17.5K and in 2015 is $18K u...
by Duckie
Tue Mar 03, 2015 10:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mid Thirties/Divorced and seeking a fresh start
Replies: 8
Views: 1007

Re: Amended 8606

I went back and updated it in TaxAct and has no implication on my refund amount. This doesn't make sense. If you made a non-deductible contribution for 2014 and converted in 2014 and did not list the non-deductible basis on Part I you would be paying taxes on the entire conversion, so your refund c...
by Duckie
Tue Mar 03, 2015 10:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Amended 8606
Replies: 3
Views: 189

Re: Capital gains on the sale of a personal home

Per the IRS Home Sale Exclusion Rules : "A sale will be considered as occurring primarily because of “unforeseen circumstances” if any of these events occur during the taxpayer’s period of use and ownership of the residence: death, ⋅ divorce or legal separation, ⋅ becoming e...
by Duckie
Tue Mar 03, 2015 10:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Capital gains on the sale of a personal home
Replies: 3
Views: 298

Re: Mid Thirties/Divorced and seeking a fresh start

mamamia , welcome to the forum. Debts CC Debt: $12K Personal Loan from a Family member (used to pay Alimony): $23K Car Loan: $12K @ 0.5% Mortgage: $240K Savings Emergency Fund: $3K in a savings account. ESPP shares: $10K (If I sell now) Restricted Stocks vest in 2015 - $18k(if I sell now) Sell the ...
by Duckie
Tue Mar 03, 2015 10:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mid Thirties/Divorced and seeking a fresh start
Replies: 8
Views: 1007

Re: Investing Questions and Review

Vanguard Total Bond Market Index Fund Institutional VBTIX .07 seems like the bond choice, but what about total stocks and international? In the 403b for US stocks use: ( TIEIX ) TIAA-CREF Equity Index Fund Institutional Class (0.05%) For international stocks use: ( TCIEX ) TIAA-CREF International E...
by Duckie
Tue Mar 03, 2015 9:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing Questions and Review
Replies: 4
Views: 282

Re: Roth IRA and Roth 401k

My question is this - should I adjust my 401k contributions to be partially traditional and partially Roth? You are not maxing your 401k now. If you can't afford to max the pre-tax 401k you can't afford the Roth 401k. Here are two articles by tfb who posts here often: 
 The Case Against Roth 401(k)...
by Duckie
Tue Mar 03, 2015 8:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA and Roth 401k
Replies: 7
Views: 497

Re: Vanguard Personal Advisor Service Investment Plan

texasdmd , welcome to the forum. Total current Roth TSP = $21k By "current" do you mean one of you is military or a federal employee and still contributing to the Roth TSP? Total Roth IRA = $11k Is this one person's Roth IRA or total for two? My wife is self employed and can't contribute ...
by Duckie
Tue Mar 03, 2015 8:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Personal Advisor Service Investment Plan
Replies: 22
Views: 897

Re: Account transfer from E. Jones to Vanguard

whitecoatinvestor38 , welcome to the forum. I recently transferred the balance of my SEP IRA and Roth from Edward Jones to Vanguard. I currently contribute the max yearly in my employer's 401K plan. A colleague told me to use my bond allocation in my tax sheltered account (the 401k, I presume) but ...
by Duckie
Mon Mar 02, 2015 8:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Account transfer from E. Jones to Vanguard
Replies: 2
Views: 477

Re: Roth TSP vs. TSP Contributions

Should I put these in the TSP Roth option or stick with the traditional TSP. Here's an article by tfb who posts here often: Most TSP Participants Should Switch To The Roth TSP . What should I do with the balance (approximately 5500) that will not go into the Vanguard Roths or my TSP? I have an HSA ...
by Duckie
Mon Mar 02, 2015 8:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth TSP vs. TSP Contributions
Replies: 12
Views: 850

Re: Portfolio review

To be honest I didn't know this was possible. So I could just combine them into 1 Roth? You could. I believe in the next month or two they are going to be changing to these: If Her 401k options change she could use: Vanguard Total Stock Market VTSAX Vanguard Interm‐Term Bond Index VBILX Total Stock...
by Duckie
Mon Mar 02, 2015 8:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review
Replies: 15
Views: 1151

Re: Portfolio review

Any additional suggestions or comments on my options? You have an AA of 80% stocks, 20% bonds, with 15-20% of stocks in international. I'll pick 20%. That breaks down to 64% US stocks, 16% international stocks, and 20% bonds. With $150K in assets you could have: Taxable at Fidelity -- 57% 50% ( FST...
by Duckie
Mon Mar 02, 2015 6:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review
Replies: 15
Views: 1151

Re: Which Bonds To Invest In?

RelaxPreppy wrote:If im going to sell my stock holdings in my rollover IRA in order to reallocate to more bonds, should I sell my shares that are currently taking a loss, my shares that are in the positive, or does it not matter?

It does not matter inside an IRA because there are no tax consequences.
by Duckie
Mon Mar 02, 2015 5:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which Bonds To Invest In?
Replies: 9
Views: 1499

Re: Newbie help

One other item that I forgot to mention. I have already submitted my 2014 taxes to my accountant. How would I handle the 8606 then? Tell your accountant you will be making non-deductible contributions for you and your wife to TIRAs in 2015 for 2014 and he will need to add two Forms 8606 to your ret...
by Duckie
Mon Mar 02, 2015 5:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie help
Replies: 12
Views: 521

Re: Newbie help

UNCMD , welcome to the forum. I did not contribute anything to an IRA last year. If I were to open a nondeductible ira account now with Vanguard can I contribute $5500 for 2014 and $5500 more for 2015? Yes. But it's just a regular Traditional IRA. The custodian doesn't know or care that the contrib...
by Duckie
Sun Mar 01, 2015 7:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie help
Replies: 12
Views: 521

Re: Company match fund choices

Desired International allocation: 30%; Seems to be the going recommendation. Apparently vanguard is moving to 40%? They are moving to 40%. I don't agree and am still recommending 30%. New annual contributions $5530 401k + $2765 company match $3000 for emergency fund $5000 to 6.8% loan Pay off $2500...
by Duckie
Sun Mar 01, 2015 6:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Company match fund choices
Replies: 3
Views: 362

Re: Help being Tax Efficient Managing Inheritance

philgoodman wrote:Just curious on your opinion, why intermediate-term (VWITX) as opposed to short or long?

I generally go middle of the road. Total Bond averages out to be intermediate and I think that's the best option for tax-exempt also.
by Duckie
Sun Mar 01, 2015 6:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help being Tax Efficient Managing Inheritance
Replies: 3
Views: 486

Re: Help with 457 fund picks

What would you pick? If this were my only retirement account I would pick: 50% SSgA S&P 500 Index Fund (0.16%) 20% American Funds EuroPacific Growth R6 Class (0.49%) 30% PIMCO Total Return Fund Institutional Class (0.46%) The mid/small cap options and other bond option are too expensive. The on...
by Duckie
Sat Feb 28, 2015 10:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with 457 fund picks
Replies: 7
Views: 539

Re: Company match fund choices

vetmedbf , welcome to the forum. Newly graduated, and just started working at a new company that has a 50% match up to 7%. I'm in the process of creating an emergency fund, but based off what I read should also be contributing to the match for the free money. Yes. The match is free money. Make sure...
by Duckie
Sat Feb 28, 2015 10:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Company match fund choices
Replies: 3
Views: 362

Re: Which Bonds To Invest In?

RelaxPreppy wrote:If I sell my Fidelity rollover IRA shares, to purchase FBIDX, should I take my current overall returns into account?

I don't understand what you mean.
by Duckie
Sat Feb 28, 2015 7:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which Bonds To Invest In?
Replies: 9
Views: 1499

Re: 50K Gift that will be going into my lazy portfolio

dtlabtc , welcome to the forum. My birthday is coming up, and I received a cash gift of 50K which I want to put all of into my lazy portfolio. How should I allocate this money? <snip> Should I purchase the CA tax friendly bond fund and put that in my taxable account to go along with my Total Stock ...
by Duckie
Fri Feb 27, 2015 8:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: 50K Gift that will be going into my lazy portfolio
Replies: 1
Views: 345

Re: Portfolio review

Is there a better fund for international than FSGDX? I was thinking about FSIVX If you're at Fidelity then FSGDX is the best international option. FSIVX is only developed markets. It's missing emerging markets and Canada. Should I have more bonds in the tax advantaged accounts? Yes. You should get ...
by Duckie
Fri Feb 27, 2015 8:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review
Replies: 15
Views: 1151

Re: Help being Tax Efficient Managing Inheritance

philgoodman , welcome to the forum. I want to keep the 80/20 split. Knowing that I contributed the total amount to my IRA, it makes sense to add bonds elsewhere. Should I add VBMFX to my taxable accounts or open up a roth? Do not put taxable bonds (VBMFX) in your taxable account. And since you've a...
by Duckie
Fri Feb 27, 2015 7:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help being Tax Efficient Managing Inheritance
Replies: 3
Views: 486

Re: Accidental After Tax Contribution to Roll Over IRA

strugglingsaver , welcome to the forum. The issue with this is for the past 3 years I've been contributing after tax dollars into this Rollover IRA account under the impression that the account was considered a Roth IRA account. What should I do to fix this situation? My main concern is having to p...
by Duckie
Fri Feb 27, 2015 7:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Accidental After Tax Contribution to Roll Over IRA
Replies: 13
Views: 734

Re: Help with 401K investment and asset allocation

abnd , welcome to the forum. SSgA funds seem to be the least worst of them all. Is investing in my 401K even worth it? Should I just continue investing in the taxable account? While they're bad, the expense ratios in your 401k aren't the worst I've seen. It's worth it to defer income and get more t...
by Duckie
Fri Feb 27, 2015 7:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with 401K investment and asset allocation
Replies: 1
Views: 152

Re: Retirement Account Funding Question

March 2, 2015 - deposit $5500 (for 2014 Year) cash and leave as cash to IRA to avoid any taxes on growth <snip> I have not filed my 2014 taxes yet. I am under the impression I do not need to include form 8806 for 2014 - but I will for 2015 since I am performing the actual conversion in 2015 even th...
by Duckie
Fri Feb 27, 2015 6:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Account Funding Question
Replies: 4
Views: 495

Re: help needed with IRA portfolio

lindabl , welcome to the forum Any advice would be very appreciated! You've made this more complicated than it has to be. You only have $70K. To start just buy: 58% ( VTSAX ) Vanguard Total Stock Market Index Fund Admiral Shares (0.05%) 22% ( VTIAX ) Vanguard Total International Stock Index Fund Ad...
by Duckie
Thu Feb 26, 2015 11:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: help needed with IRA portfolio
Replies: 4
Views: 443

Re: Which Bonds To Invest In?

Contributions: Max out 401k & 403b - 401k provides 100% on first 3% and 50% on next 2% Taxable Vanguard: ~$40k annually - may go up due to raise Whoever does not have the Rollover IRA can contribute to a 
 Backdoor Roth IRA 
 without dealing with the pro-rata rule . Available bond funds: 401k: ...
by Duckie
Thu Feb 26, 2015 10:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which Bonds To Invest In?
Replies: 9
Views: 1499

Re: 19 years old, lots of capital, need help!

kingkousky , welcome to the forum. At your income you cannot contribute directly to a Roth IRA. You can contribute via the 
 Backdoor Roth IRA 
 method. However, your TIRA and SEP IRA will cause problems because of the pro-rata rule . I recommend you open a solo 401k at Fidelity (Vanguard does not ...
by Duckie
Thu Feb 26, 2015 8:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: 19 years old, lots of capital, need help!
Replies: 3
Views: 931

Re: New Investor - Portfolio Guidance

What's the rationale for using FSEMX in that size? Is this to achieve a small-er cap tilt? My understanding is that FSEMX is comprised of $2bn to $10bn market cap companies while FSTVX only holds >$10bn market cap businesses. The 500 Index (SWPPX) in your 401k is a large cap fund. By adding some mi...
by Duckie
Thu Feb 26, 2015 7:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Investor - Portfolio Guidance
Replies: 5
Views: 596

Re: New Investor - Portfolio Guidance

dutchtulips , you have an AA of 70% stocks, 30% bonds, with 35% of stocks in international. That breaks down to 46% US stocks, 24% international stocks, and 30% bonds. You could have something like: Taxable at Fidelity -- 58% 34% ( FSTVX ) Spartan Total Market Index Fund Advantage Class (0.05%) 24%...
by Duckie
Wed Feb 25, 2015 8:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Investor - Portfolio Guidance
Replies: 5
Views: 596

Re: Funding IRAs with the sale of two individual stocks

TMCD75 wrote:Should I sell those stocks to fund the IRAs or use the cash from the money market fund?

Do you want to sell the two stocks? With the gain and loss now seems a good time tax-wise to sell. Money is fungible. If you sell them for $10K that means you have $54K not $10K and $44K.
by Duckie
Tue Feb 24, 2015 10:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Funding IRAs with the sale of two individual stocks
Replies: 1
Views: 157

Re: Beginner Investor - Selling Mutual Fund to start Roth IR

Since I can't purchase all three of my desired indexes up front ( VTSMX, VGTSX, and VBMFX ), would VASGX (Vanguard LifeStrategy Growth Fund Investor Shares) be a good choice for my first funding until I can afford to have all three of the indexes I want at the proper AA? If you want an AA of roughl...
by Duckie
Tue Feb 24, 2015 10:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Beginner Investor - Selling Mutual Fund to start Roth IRA
Replies: 9
Views: 702

Re: 401K Rollover

renegadecaderyn , welcome to the forum. My wife has a 401K with a previous employer <snip> Her account has about $3750 in it. I am 33 and she is 37. What Vanguard funds should we be looking at? Target Retirement or is there something that would be better? Would like something fairly aggressive, 90%...
by Duckie
Tue Feb 24, 2015 8:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K Rollover
Replies: 2
Views: 162

Re: SEP-IRA rollover to Invidudal 401K at Vanguard?

cybernut wrote:I am going to call Vanguard to get clarification, but have read various reports that Vanguard does not permit rolling over SEPs into individual 401k plans.

Vanguard does not allow incoming rollovers from IRAs (and that includes SEP IRAs) to their solo 401k plan. See here for options.
by Duckie
Tue Feb 24, 2015 8:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: SEP-IRA rollover to Invidudal 401K at Vanguard?
Replies: 1
Views: 153

Re: Convert Etf to Index Fund

miggy151 , welcome to the forum. If you don't have the funds to create a diversified index fund porfolio but do have the funds to create the same style porfolio with etfs is its viable to convert to the index funds once you reach the minimum of $3,000 in each specific etf? I don't know about other ...
by Duckie
Tue Feb 24, 2015 8:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Convert Etf to Index Fund
Replies: 3
Views: 404

Re: Roth IRA & SEP help

If I left the sep Ira as is and just reinvested in index funds. Would it be treated as a tira if I had to do a backdoor Roth contribution this year? The SEP IRA is a non-Roth IRA so yes, it will cause problems with a backdoor Roth IRA because of the pro-rata rule . If you roll the SEP IRA assets to...
by Duckie
Tue Feb 24, 2015 7:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA & SEP help
Replies: 23
Views: 1063

Re: How much did you have saved up for retirement at age 30?

$0 at 30. There were no retirement plans at any of my jobs to that point and if I had ever heard of an IRA it went in one ear and right out the other. I was recently divorced with some savings and some debt but retirement wasn't even on the horizon. Twenty years later after a good paying job with a ...
by Duckie
Tue Feb 24, 2015 7:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much did you have saved up for retirement at age 30?
Replies: 172
Views: 12174

Re: New investor

I will be looking at finding a book to read to help further my knowledge and understanding of all of this. Any specific book you would recommend for a starting point? See here for recommendations. The "Start-up books" section is the first step. Most of these can be found at the public lib...
by Duckie
Tue Feb 24, 2015 6:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: New investor
Replies: 14
Views: 1076

Re: Roth IRA & SEP help

ase1628 wrote:If the check has to be made to the new custodian FBO my name, will the 20% tax have to be held?

No. Taxes are only withheld if the check is made out to you. See here.
by Duckie
Tue Feb 24, 2015 6:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA & SEP help
Replies: 23
Views: 1063

Re: Roth IRA & SEP help

IRA trustees are encouraged to offer IRA owners requesting a distribution for rollover the option of a trustee-to-trustee transfer from one IRA to another IRA. IRA trustees can accomplish a trustee-to-trustee transfer by transferring amounts directly from one IRA to another or by providing the IRA ...
by Duckie
Mon Feb 23, 2015 9:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA & SEP help
Replies: 23
Views: 1063

Re: New investor

Have a question if anyone is still looking here, why the Port #2 VTTHX and not Port #1 VTSMX AND VTIAX? At this stage of your investing using the balanced funds will be easier. When you have more assets in your Roth IRA (at least $25K) you can start using the individual funds if you want. That woul...
by Duckie
Mon Feb 23, 2015 8:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: New investor
Replies: 14
Views: 1076

Re: Changing jobs from 1099 to W-2 -- what to do?

My question is what are the pros/cons/pitfalls etc. of either a) converting the SEP and solo 401(k) to her Rollover IRA, or b) keeping the SEP and solo 401(k) as is. I believe the SEP would get in the way of doing a backdoor Roth IRA, which is something we're interested in exploring. If you are con...
by Duckie
Mon Feb 23, 2015 8:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Changing jobs from 1099 to W-2 -- what to do?
Replies: 1
Views: 179

Re: Investment advice needed

slimsol , welcome to the forum. I cant find my post on forum. Any idea why? Well obviously you found it if you were able to repost. I found it on this page and on this page . You listed one fund in His 401k. What are the other options (names, ticker symbols, expense ratios)? You have 100% in His 40...
by Duckie
Mon Feb 23, 2015 8:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment advice needed
Replies: 13
Views: 658

Re: 110K in a rollover IRA - where should I invest?

wrxsti, welcome to the forum.

wrxsti wrote:In which funds should I invest this $110k?

We need more information. See 
Asking Portfolio Questions.
by Duckie
Mon Feb 23, 2015 7:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: 110K in a rollover IRA - where should I invest?
Replies: 1
Views: 175

Re: Discrepancies in bond holdings in some Vanguard funds.

I was on the Vanguard web site looking at the GNMA bond fund and noticed something unusual. If you click on Portfolio & Management and then look under Fixed Income Characteristics, the Number of Bonds listed for this fund is 38. Now if you scroll down a little and click on Portfolio Holdings, t...
by Duckie
Mon Feb 23, 2015 7:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Discrepancies in bond holdings in some Vanguard funds.
Replies: 2
Views: 266

Re: Beginner Investor - Selling Mutual Fund to start Roth IR

sr20eric , welcome to the forum. We would like to sell off this mutual fund and and use some savings to fully fund a Roth IRA through Vanguard for myself before the 4/15/2015 deadline for 2014 contributions and then spend the rest of the year funding it for 2015. Get the basis for the fund (all pur...
by Duckie
Mon Feb 23, 2015 7:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Beginner Investor - Selling Mutual Fund to start Roth IRA
Replies: 9
Views: 702

Re: Roth IRA & SEP help

Actually I would have to do a rollover since the funds would be going from a SEP-IRA to a TIRA according to Vanguard and Schwab. That would limit me to one rollover per 12 month period in order to be a tax free transaction. It depends on what you mean by "rollover". ⋅  If the SE...
by Duckie
Mon Feb 23, 2015 6:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA & SEP help
Replies: 23
Views: 1063

Re: Help with personal portfolio please!

So waffling on this a bit - would it be reasonable to reallocate my entire int bonds holding to a muni fund? That would help my tax efficiency as well as give me a place to put 'post tax' dollars easily into my bond allocation to get my AA closer to where I want it. Seems reasonable to me - any hol...
by Duckie
Mon Feb 23, 2015 4:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with personal portfolio please!
Replies: 16
Views: 1457

Re: two IRA's / same fund

Sorry that would be VIFIX the exact same fund, just two different brokerages. I'm confused. VIFIX is Invesco Van Kampen International Growth Fund Y Class. This fund seems to have been closed in 2011 after Invesco took over the Van Kampen funds in 2009. It's possible the assets were rolled into ( AI...
by Duckie
Mon Feb 23, 2015 4:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: two IRA's / same fund
Replies: 5
Views: 652
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