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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: 11
Views: 772

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: 10
Views: 1010

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: 11
Views: 772

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: 10
Views: 1010

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: 10
Views: 1010

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: 8
Views: 747

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: 302

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: 453

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: 880

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: 8
Views: 747

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: 542

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: 8
Views: 747

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: 447

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: 69
Views: 4721

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: 880

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: 880

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: 747

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: 749

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: 832

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: 547

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: 1442

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: 2146

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: 488

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: 557

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: 419

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: 1955

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: 1011

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: 491

Re: looking for advice on 401K funds/contributions

I do have a Roth IRA, but I am not putting too much into it right now. I have two 529's for the kids (9yr/6yr) that I've been focusing on. My wife has a 401k through her work. I also have a brokerage account that I put some money into that could eventually turn into retirement money. Okay, these ac...
by Duckie
Sat Sep 06, 2014 4:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: looking for advice on 401K funds/contributions
Replies: 5
Views: 384

Re: looking for advice on 401K funds/contributions

davec004 , welcome to the forum. Your AA appears to be 90% stock, 10% bonds. That's aggressive for 36 but I'll go with it. You also have about 5% of stocks in international. That's really low. I'll pick 20%. That breaks down to 72% US stocks, 18% international stocks, and 10% bonds. Without knowing...
by Duckie
Fri Sep 05, 2014 8:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: looking for advice on 401K funds/contributions
Replies: 5
Views: 384

Re: Portfolio help. How should I invest the cash in my Roth

WheelsPSU , welcome to the forum. You have a desired AA of 90% stocks, 10% bonds, with 33% of stocks in international. This breaks down 60% US stocks, 30% international stocks, and 10% bonds. Here are two possible retirement portfolios: Portfolio #1 His 401k -- $49K -- 30% 30% ( VFFVX ) Vanguard Ta...
by Duckie
Fri Sep 05, 2014 7:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio help. How should I invest the cash in my Roth IRA?
Replies: 4
Views: 521

Re: Help me chose funds in my high ER 401k

I do have a portion in the jpm td 2040 already. ( SMTZX ) JPMorgan SmartRetirement 2040 Fund R2 Class (1.60%) is not a bad fund, but it's expensive. If you're going to use a target-date fund don't mix it with separate funds. All t-d or none. Are you choosing those funds solely based on the low ER? ...
by Duckie
Fri Sep 05, 2014 5:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help me chose funds in my high ER 401k
Replies: 4
Views: 408

Re: Rebalancing a 3 fund portfolio

Mildot , you have an AA of 40% stocks, 60% bonds, with unknown in international. I'll go with 30% of stocks in international. That breaks down to 28% US stocks, 12% international stocks, and 60% bonds. Here is a possible retirement portfolio: Taxable at Vanguard -- $506K -- 54% 28% ( VTSAX ) Vangua...
by Duckie
Fri Sep 05, 2014 5:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing a 3 fund portfolio
Replies: 21
Views: 1955

Re: Fund selection in 401k and IRA

If I switch over to a Traditional 401k the Roth stays where it is right? Right. So I essentially would have a Traditional and Roth 401k, separate from each other money wise but in the same account, with all new contributions going to the traditional, and I would have to plan to get my overall AA co...
by Duckie
Fri Sep 05, 2014 4:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fund selection in 401k and IRA
Replies: 8
Views: 670

Re: 26Y surgery resident: Roth IRA conversion to index funds

Would it make sense to contribute to both a Vanguard Roth and a TSP? Absolutely. The Thrift Savings Plan is a great retirement plan. I am assuming there is a yearly max allowed for the TSP? $17.5K, just like a 401k. And is it true that the government does NOT match up to 5% salary for military serv...
by Duckie
Thu Sep 04, 2014 8:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: 26Y surgery resident: Roth IRA conversion to index funds?
Replies: 6
Views: 768

Re: Rebalancing a 3 fund portfolio

I currently have a Vanguard account with a 3 fund portfolio set up but I am not sure how my 401k figures into the percentages when I rebalance or if I should just rebalance my Vanguard account to the 40/60 amount and not include the 401k into the equation. Is the Vanguard account (excluding the $70...
by Duckie
Thu Sep 04, 2014 7:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing a 3 fund portfolio
Replies: 21
Views: 1955

Re: Help with Portfolio Options

Homebrewed , you have a desired AA of 80% stocks, 20% bonds, with 15% of stocks in international. That breaks down to 68% US stocks, 12% international stocks, and 20% bonds. Here is a possible retirement portfolio: His 401k -- $160K -- 71% 32% ( VINIX ) Vanguard Institutional Index Fund Institution...
by Duckie
Thu Sep 04, 2014 7:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Portfolio Options
Replies: 1
Views: 185

Re: my strategy, is this OK?

[M]y current job I'm leaving is SIMPLE IRA. In February it will be two years so I can move it anywhere. But since I changed jobs, I can roll it into new 401k before February, right? Yes, assuming the new 401k allows incoming rollovers (and most do). But given your 401k options and costs you may be ...
by Duckie
Thu Sep 04, 2014 6:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: my strategy, is this OK?
Replies: 8
Views: 1048

Re: Help me chose funds in my high ER 401k

Not too late , welcome to the forum. Those are expensive options (although not the worst I've seen on this board). I'd go with the following: ( RMFCX ) American Funds American Mutual Fund R3 Class (0.96%) ( LDLRX ) Lord Abbett Short Duration Income Fund R3 Class (0.88%) Use your Roth IRAs for inter...
by Duckie
Thu Sep 04, 2014 3:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help me chose funds in my high ER 401k
Replies: 4
Views: 408

Re: Help with Employer Match

niceguy7376 wrote:So total employer match is 269.21

retiredjg wrote:I think you'll get $7k

Doing the math, $269.21 X 26 = $6999.46 so you both have the same answer, just figured different ways.
by Duckie
Thu Sep 04, 2014 3:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Employer Match
Replies: 13
Views: 528

Re: Fund selection in 401k and IRA

I just re-read the wiki on the advantages of Traditional vs Roth and I have to say, it can be quite confusing! I'm presuming you both say go Traditional due to being in a high tax bracket now? Mostly, yes. See these article by tfb : 
 The Case Against Roth 401(k) and Roth 401(k) for People Who Cont...
by Duckie
Thu Sep 04, 2014 1:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fund selection in 401k and IRA
Replies: 8
Views: 670

Re: General Direction & Help

Zecht , welcome to the forum. Taxable Negligible, an account with ~$200 in it. Not currently contributing to it until debt is done and TA contributions get closer to the max. Add this to your emergency fund. Rollover IRA at Optionshouse (Traditional) CACB - 400 Shares SAN - 113 Shares - This IRA I ...
by Duckie
Wed Sep 03, 2014 7:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: General Direction & Help
Replies: 4
Views: 419

Re: Fund selection in 401k and IRA

nanobots , welcome to the forum. You have an AA of 90% stocks, 10% bonds (low), with 30% of stocks in international. That breaks down to 63% US stocks, 27% international stocks, and 10% bonds. 4.5% American Funds Money Market (AFAXX) (0.39%) Will soon be withdrawn and spent. Obviously not part of t...
by Duckie
Wed Sep 03, 2014 7:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fund selection in 401k and IRA
Replies: 8
Views: 670

Re: Allcation when uncertain of when the money is needed

WaningMoon , at your ages with a good stream of income and no immediate need for IRA withdrawals I would recommend an AA of 60% stocks, 40% bonds, with 30% of stocks in international. That breaks down to 42% US stocks, 18% international stocks, and 40% bonds. So across your two Fidelity IRAs you co...
by Duckie
Wed Sep 03, 2014 6:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Allcation when uncertain of when the money is needed
Replies: 8
Views: 628

Re: First Time Backdoor Roth Conversion - math check?

I think I have this right, do I? Yes. Can my wife stay in her previous employer 401k indefinitely? In most cases as long as she has more than $5K in assets in the plan, yes. Can a 401k plan "kick you out" into an IRA? Sometimes. If you have less than $5K in assets or when they are doing a...
by Duckie
Wed Sep 03, 2014 6:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: First Time Backdoor Roth Conversion - math check?
Replies: 1
Views: 196

Re: my strategy, is this OK?

I took a screenshot of the available funds which show net/gross ER Well, they're not all that bad. Assuming the loads are waived (and they usually are in 401k plans) these appear to be the best options: ( MDDVX ) BlackRock Equity Dividend Fund (1.04%) ( RRRAX ) DWS RREEF Real Estate Securities Fund...
by Duckie
Wed Sep 03, 2014 6:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: my strategy, is this OK?
Replies: 8
Views: 1048

Re: Need good bank for 84y.o. ma who doesn't want online ban

Check out Citibank. I use them and their statements (both paper and online) are clear and easy to understand. They have five simple columns for Date, Description, Amount Subtracted, Amount Added, and Balance. For example, looking at one month's statement under Description it showed: ACH Electronic D...
by Duckie
Wed Sep 03, 2014 5:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need good bank for 84y.o. ma who doesn't want online banking
Replies: 16
Views: 920

Re: Password help

User Control Panel (at the top left of the forum page)
Profile
Edit account settings
by Duckie
Mon Sep 01, 2014 4:13 pm
 
Forum: Forum Issues and Administration
Topic: [How do I change my password?]
Replies: 16
Views: 502

Re: Reinvest dividends and capital gains?

In my tax-sheltered accounts I automatically reinvest because there is no tax hit to rebalancing. In taxable I funnel the money to my money market (a bank account would work, too) for three reasons: ⋅ I don't want to sell anything and then pay taxes when I rebalance. ⋅ I don't li...
by Duckie
Mon Sep 01, 2014 4:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reinvest dividends and capital gains?
Replies: 44
Views: 3794

Re: Advisor says managed retirement plan, I'm not so sure.

Took me a minute to find the Spartan's, there are about 30 of them. Also look very good, any advice on how to narrow down? The best total market Spartan funds are: Spartan Total Market Index Fund -- total US stocks Spartan Global ex U.S. Index Fund -- almost all international stocks Spartan U.S Bon...
by Duckie
Sun Aug 31, 2014 5:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advisor says managed retirement plan, I'm not so sure.
Replies: 13
Views: 1277
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