Search found 2116 matches

Return to advanced search

Re: Need help, planning on making my first ever investment s

MadHappy , I see you're thinking about a $30K down-payment. (Is this 20% of the expected purchase price?) Can you save $5K per year on your salary after taxes, living expenses, and some retirement savings (15% of $34K is ~$5K in your employer's plan)? Since you've already got $10K saved (although s...
by Duckie
Sat Apr 19, 2014 5:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help, planning on making my first ever investment soon.
Replies: 6
Views: 359

Re: B-shares

wewon31, stop contributing to the account. Whether you keep it or liquidate it, don't add anything else to it. Also, make sure all dividends / distributions are not reinvested. Send them to a money market or your bank account.
by Duckie
Wed Apr 16, 2014 7:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: B-shares
Replies: 6
Views: 422

Re: Portfolio allocation help

You wrote "No Company Match" after Her Roth IRA. Is this an unusual IRA or is that a typo? No typo, we are both state employees and there is no company match. Since Roth IRAs are not employer plans and never have a company match it didn't make sense but now I understand. 4. I'm wondering ...
by Duckie
Wed Apr 16, 2014 6:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio allocation help
Replies: 3
Views: 341

Re: Best funds for kids

Will this be in your name, you pay the taxes, and liquidate at the correct time? Or will it be something like a UGMA?
by Duckie
Wed Apr 16, 2014 12:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Best funds for kids
Replies: 6
Views: 590

Re: Please review my portfolio and suggest

westindies , welcome to the forum. You have a desired AA of 80% stocks, 20% bonds (low for your age), with unknown international. I'll pick 30% of stocks in international. That breaks down to 56% US stocks, 24% international stocks, and 20% bonds. Here is a possible retirement portfolio: His 401k a...
by Duckie
Wed Apr 16, 2014 12:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Please review my portfolio and suggest
Replies: 3
Views: 417

Re: Best funds for kids

Steady, what is the purpose of the money? Is it for college or something else?
by Duckie
Wed Apr 16, 2014 12:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Best funds for kids
Replies: 6
Views: 590

Re: Portfolio allocation help

bogleag , welcome to the forum. You have a desired AA of 80% stocks, 20% bonds (low for your age), with 50% of stocks in international (high). That breaks down to 40% US stocks, 40% international stocks, and 20% bonds. Here is a possible retirement portfolio: Joint Taxable at Fidelity -- 14% 14% ( ...
by Duckie
Tue Apr 15, 2014 11:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio allocation help
Replies: 3
Views: 341

Re: Help! Seeking retirement planning guidance from Boglehea

1. What investment elections would you suggest for His 401k through T.Rowe Price given the investment selections shown above? Given the funds performance, is there any reason to jump out of the target date fund? You have excellent Vanguard options in His 401k. Until you add a taxable account for re...
by Duckie
Tue Apr 15, 2014 9:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help! Seeking retirement planning guidance from Bogleheads
Replies: 2
Views: 590

Re: Math challenged

Workinghard , welcome to the forum. Play with this Expense Ratio Calculator : Check the "I have read the disclaimer." box. Amount invested: 1000000 Annual return: 5 Projected expense ratio is: .2 What if the expense ratio is: 1.2 Calculate (and be ready for a shock) Or try this Compare In...
by Duckie
Mon Apr 14, 2014 7:06 pm
 
Forum: Investing - Theory, News & General
Topic: Math challenged
Replies: 18
Views: 1438

Re: Trying to do it right the 1st time around

So your next recommended step is to start an IRA? bones2013 , go down to a bank (or a Fidelity or Schwab office) today or tomorrow and open a Roth IRA and fund it for $5.5K for 2013 . Put the money in a money market fund. Once it's open and funded you can wait a month or so before you move it to th...
by Duckie
Mon Apr 14, 2014 6:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Trying to do it right the 1st time around
Replies: 10
Views: 538

Re: Order of how should I invest

Steady, I'd put "Her 403b to company match" first but as long as you get the first three funded it won't matter.
by Duckie
Sat Apr 12, 2014 10:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Order of how should I invest
Replies: 5
Views: 558

Re: 25 / Need help with investment advice & travel plan

Is there any advantage to maxing out the 401k instead of putting money into a Roth IRA? <snip> It would be possible to max out the 401k and still save $20k after ~4 years if I didn't contribute to a Roth IRA. Putting more into the traditional 401k is probably better as long as you have decent optio...
by Duckie
Sat Apr 12, 2014 8:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: 25 / Need help with investment advice & travel plan
Replies: 4
Views: 486

Re: Military guy looking for investment advice.

Flyers13, if you haven't already, check out this thread on Military Investing.

(You wouldn't happen to be hockey fan would you?)
by Duckie
Sat Apr 12, 2014 12:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Military guy looking for investment advice.
Replies: 10
Views: 703

Re: First Time Financial Evaluation

MNwildcat, I like your fund choices -- simple, diversified, and inexpensive.

I would be inclined to contribute at least $10K of that $20K toward Her 403b plan if it has halfway decent options. You don't owe that much on the mortgage and the rate is low.
by Duckie
Sat Apr 12, 2014 12:37 am
 
Forum: Investing - Help with Personal Investments
Topic: First Time Financial Evaluation
Replies: 3
Views: 418

Re: Do I have too littled invested to diversify?

if she uses the 76/24 split, how much of that 76 turns into international related to US stock fund? and of the 24, how much is international bonds vs US bonds? In Vanguard target retirement funds the stocks stay at 70% US and 30% international. The bonds stay at 80% US and 20% international. So for...
by Duckie
Sat Apr 12, 2014 12:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Do I have too littled invested to diversify?
Replies: 15
Views: 865

Re: 24, New Job w/ Pension

FinancialSnowboarder , welcome to the forum. You want an AA of 90% stocks, 10% bonds (a little low), with unknown international. I'll pick 30% of stocks in international. That breaks down to 63% US stocks, 27% international stocks, and 10% bonds. Here is a possible retirement portfolio: 457b plan -...
by Duckie
Sat Apr 12, 2014 12:17 am
 
Forum: Investing - Help with Personal Investments
Topic: 24, New Job w/ Pension
Replies: 4
Views: 701

Re: tax-sheltered investing VS. paying loans

raidman , welcome to the forum. With $2K extra per month after all expenses (including the student loan payment) you could fully fund your 401k/403b plan plus a Roth IRA every year. I would be inclined to do that. Or did you mean that your student loan had to be paid out of that $2K? Either way I w...
by Duckie
Fri Apr 11, 2014 10:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: tax-sheltered investing VS. paying loans
Replies: 8
Views: 432

Re: 25 / Need help with investment advice & travel plan

travelguy29 , welcome to the forum. Put at least 6% in the 401k to get the entire match. Never pass up free money. If you have the $3K to contribute to your Roth IRA for 2013 then yes, do so. You only have four days left. As for the travel you will need to save $5K a year in a taxable account. Hope...
by Duckie
Fri Apr 11, 2014 10:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: 25 / Need help with investment advice & travel plan
Replies: 4
Views: 486

Re: Newbie 401K Advice Needed

I guess the most obvious solution is to do a one-time dump of some cash into the 403b account to help it catch up The only way to increase her 403b account is to have her contribute more per paycheck. You can't just dump cash in. So, you have $15K in your 401k. How much does she have in her 403b? D...
by Duckie
Fri Apr 11, 2014 6:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie 401K Advice Needed
Replies: 43
Views: 3188

Re: intro/review/advice

I picked TISM for the Roth IRA because it's a complete international fund. It has everything -- developed markets, emerging markets, small caps, and Canada. If you were to use the International Equity Index (which is probably only developed markets) in the 457b plan and use the emerging markets fund...
by Duckie
Fri Apr 11, 2014 5:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: intro/review/advice
Replies: 4
Views: 519

Re: 401k Investment Options

austin ag06 , you don't have a desired AA based on your age and that you're aggressive I'll recommend 80% stocks, 20% bonds, with 30% of stocks in international. That breaks down to 56% US stocks, 24% international stocks, and 20% bonds. Here is a possible retirement portfolio: Taxable at Vanguard ...
by Duckie
Wed Apr 09, 2014 8:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k Investment Options
Replies: 12
Views: 481

Re: Investment help

reelintiger wrote:I'm already contributing 5500 to a Roth IRA does that mean I cannot contribute $5500 to a traditional IRA?

Correct, you cannot.
by Duckie
Wed Apr 09, 2014 5:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment help
Replies: 12
Views: 684

Re: Investment help

Never knew about the 2 year rule with Simple IRA's. I know the expense ratios are high but I've already paid the sales load. Do you still think I should move it to Vanguard? The sales load is a sunk cost whether you move or stay. But you don't want to buy more of those loaded funds. And the expense...
by Duckie
Tue Apr 08, 2014 11:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment help
Replies: 12
Views: 684

Re: First Post - Investment and Retirement Help

We can't advise you on what you should have until we know what you could have. List the options in both 401k plans. We need the fund names, ticker symbols if available, and especially the expense ratios. Costs matter. If you have a ridiculous numbers of choices list the options with expense ratios l...
by Duckie
Tue Apr 08, 2014 11:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: First Post - Investment and Retirement Help
Replies: 4
Views: 366

Re: Investment help

Concerning "My SIMPLE IRA at American Funds", this plan is very expensive. If you are the employee you are allowed to transfer to another SIMPLE IRA at a cheaper custodian such as Vanguard or Fidelity. See Publication 590 -- Rollovers and Transfers Exception.
by Duckie
Tue Apr 08, 2014 8:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment help
Replies: 12
Views: 684

Re: Military Member Needing Investing Advice

TheGreekIndian, if you haven't already, check out this thread on Military Investing and this Wiki article on Military finances.
by Duckie
Tue Apr 08, 2014 8:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Military Member Needing Investing Advice
Replies: 10
Views: 656

Re: First Post - Investment and Retirement Help

btcus , welcome to the forum. 1) We would like to be on the more aggressive side when investing in our 401k. What allocations would you recommend? I would recommend 75% stocks, 25% bonds, with 30% of stocks in international. I consider that aggressive for your ages. 2) Should we be allocating addit...
by Duckie
Tue Apr 08, 2014 8:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: First Post - Investment and Retirement Help
Replies: 4
Views: 366

Re: Do I convert my traditional IRA to a Roth IRA?

what is the 5498 form? If you contribute to, convert to, roll over to, or withdraw from an IRA the custodian will send you (and the IRS) Form 5498 in May. Keep these forms. You may need them when you retire and start taking distributions. (The form you receive may not look exactly like this. Vangua...
by Duckie
Mon Apr 07, 2014 8:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do I convert my traditional IRA to a Roth IRA?
Replies: 9
Views: 911

Re: Investment Advice, Roth 401k vs Traditional

TioMacPato , welcome to the forum. You want an AA of 90% stocks, 10% bonds (a little low), with unknown international. I'll pick 30% of stocks in international. That breaks down to 63% US stocks, 27% international stocks, and 10% bonds. Here is a possible retirement portfolio you could have as of t...
by Duckie
Mon Apr 07, 2014 7:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment Advice, Roth 401k vs Traditional
Replies: 1
Views: 155

Re: 24 y/o investing inheritance

greenmachine , welcome to the forum. 1) Ideally I would like to have a very simple investment strategy. If I want to go with just a single balanced fund what are the pros/cons of various vanguard options such as Wellington, Balanced Index Admiral Shares, LifeStrategy Growth and Target Retirement 20...
by Duckie
Sun Apr 06, 2014 5:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: 24 y/o investing inheritance
Replies: 15
Views: 1907

Re: 403b advice

APGOV teacher wrote:(2) reallocate my entire AXA account into their Gaurenteed Interest Account that pays 3% with NO fees, wait 4 years, which at that point I can transfer it all to vanguard with no surrender fee.

This is your best option. Just consider the account to be part of your bond AA.
by Duckie
Sun Apr 06, 2014 5:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: 403b advice
Replies: 4
Views: 342

Re: Backdoor Roth IRA Question

chaucer, welcome to the forum.

It's likely that the TIRA account you opened is still open and can take the extra $2500. Did you try to put the money in the PMM fund?

If that doesn't work either open one of Target Retirement funds inside the TIRA or use Fidelity.
by Duckie
Sun Apr 06, 2014 5:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth IRA Question
Replies: 3
Views: 416

Re: best way to freeze and monitor credit?

Read Extended Fraud Alerts and Credit Freezes . You don't have to be a victim of identity theft to use the credit freeze. Equifax freeze Experian freeze TransUnion freeze To monitor your accounts use the free AnnualCreditReport.com site to access the three major credit reporting agencies. You could ...
by Duckie
Sun Apr 06, 2014 4:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: best way to freeze and monitor credit?
Replies: 2
Views: 296

Re: intro/review/advice

willie838 , the best options in the 457b are: ( VIIIX ) Vanguard Institutional Index Fund Institutional Plus Shares (0.02%) ( VMCIX ) Vanguard Mid-Cap Index Fund Institutional Shares (0.08%) ( VSCIX ) Vanguard Small-Cap Index Fund Institutional Shares (0.08%) (N/A) International Equity Index Fund (...
by Duckie
Fri Apr 04, 2014 5:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: intro/review/advice
Replies: 4
Views: 519

Re: Is transfering my savings to a mutual fund a good idea?

I am not sure about this but I don't think you even need to report the Roth contribution because you are not deducting anything. The mutual fund company will report it for you to the IRS. You report the Roth contributions so that the IRS knows what portion of your Roth IRA is a contribution, in cas...
by Duckie
Fri Apr 04, 2014 1:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Is transfering my savings to a mutual fund a good idea?
Replies: 16
Views: 1816

Re: New Investor - Please Help Critique my Portfolio

I was attracted to the lower costs of etfs. Why is your preference for mutual funds? In your OP you had both funds and ETFs and I thought it was possible you had the ETFs because you couldn't make the fund minimums. However I still prefer funds to ETFs because I don't want to mess with the bid/ask ...
by Duckie
Wed Apr 02, 2014 1:40 am
 
Forum: Investing - Help with Personal Investments
Topic: New Investor - Please Help Critique my Portfolio
Replies: 12
Views: 828

Re: Help with Allocation/ Taxable Accounts

invest1 , welcome to the forum. Have about $3500 extra to invest monthly after paying down bills for the last 3 years. Not sure where to put. I can't tell if you are maxing your tax-sheltered plans or not. If not you could use the extra money to live on while contributing more to your retirement pl...
by Duckie
Wed Apr 02, 2014 12:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with Allocation/ Taxable Accounts
Replies: 2
Views: 360

Re: Is transfering my savings to a mutual fund a good idea?

You have $25K in savings. You have two weeks left to fully fund your Roth IRA for 2013. If you wait too long that space will be gone. So fund it. Then you can take your time with other decisions.
by Duckie
Wed Apr 02, 2014 12:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Is transfering my savings to a mutual fund a good idea?
Replies: 16
Views: 1816

Re: New Investor - Please Help Critique my Portfolio

idmcrick , welcome to the forum. If you're just starting investing I think you would be better off simplifying your plan a bit. You currently have a proposed AA of 80% stocks, 20% bonds, with 25% of stocks in international. That breaks down to 60% US stocks, 20% international stocks, and 20% bonds....
by Duckie
Wed Apr 02, 2014 12:23 am
 
Forum: Investing - Help with Personal Investments
Topic: New Investor - Please Help Critique my Portfolio
Replies: 12
Views: 828

Re: 401k and Roth help

Desired International allocation: 20% of stocks ??? I have no idea Vanguard has found between 20% and 40% of stocks in international to be the "sweet spot". See the discussion and the Vanguard paper link . Vanguard splits the difference and uses 30% in their Target Retirement and LifeStra...
by Duckie
Tue Apr 01, 2014 11:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k and Roth help
Replies: 4
Views: 577

Re: Annuity to IRA to Roth?

I was originally intending to roll the traditional IRA over to my Roth and fill my 2014 contribution limit, but I know there are tax implications there. If you can't afford to contribute to your Roth IRA every year you can't afford to convert. I freelance and don't really think I can max out the Ro...
by Duckie
Tue Apr 01, 2014 3:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Annuity to IRA to Roth?
Replies: 1
Views: 212

Re: Noob - Help with unified AA across TSP/Roth/taxable?

If you want the money in a MM fund at Vanguard you will have to kick in the $3K minimum to open it. I'm not sure what happens if you then reduce the amount to less than $3K for long periods. But it's easy to link a bank account to Vanguard and funnel the dividends there.
by Duckie
Sun Mar 30, 2014 3:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Noob - Help with unified AA across TSP/Roth/taxable?
Replies: 4
Views: 471

Re: AA and IRA related question

I meant to ask if there anything I should consider while I rebalance my portfolio? I assume there should be cost involved with rebalancing. Unless one of your funds has an early redemption fee there are no costs to selling in tax-sheltered. However when you sell in taxable you might have taxable ga...
by Duckie
Wed Mar 26, 2014 4:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA and IRA related question
Replies: 7
Views: 482

Re: 25yo, Married, House, Baby, and looking for help!

I need to look into the admiral shares as I don't know that much about them yet but if you only have to have $10k then I will need to find out here soon. The only differences between investor shares and admiral shares are the ticker symbols, the names, and the expense ratios. The funds hold exactly...
by Duckie
Wed Mar 26, 2014 4:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: 25yo, Married, House, Baby, and looking for help!
Replies: 17
Views: 1942

Re: Ready for Help with Personal Investments

My question is related to the taxable account. What is this account called within the Vanguard system? I am having a terminology issue drive me nuts. If opening the new account on Vanguard.com, then your account type will be "General savings" and either "Individual" or "Joi...
by Duckie
Wed Mar 26, 2014 4:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Ready for Help with Personal Investments
Replies: 9
Views: 1151

Re: 401k Transfer to IRA - Disadvantages?

rakornacki1 , welcome to the forum. What are the disadvantages of transferring my 401k assets into IRA, as a recent retiree? Why shouldn't I make this transfer? There are only three reason I can think of off-hand to not roll old 401k assets over to an IRA: ⋅ The 401k plan has very good, v...
by Duckie
Tue Mar 25, 2014 7:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k Transfer to IRA - Disadvantages?
Replies: 2
Views: 198

Re: AA and IRA related question

1. I am going to take the money from target retirement funds and rebalance into individual funds. Do I have to consider why I rebalance? What do you mean by " why I rebalance"? 2. I will read the links to ROTH 401k vs Traditional and make my choice. One my colleagues suggested he uses ROT...
by Duckie
Tue Mar 25, 2014 7:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA and IRA related question
Replies: 7
Views: 482

Re: 25yo, Married, House, Baby, and looking for help!

Now I just need to choose what to put the $ in for the Roth You could use ( VASGX ) Vanguard LifeStrategy Growth Fund (0.17%) in both Roth IRAs. It has an AA of 56/24/20 the same as my 401k recommendation. This is not a target-date fund and it doesn't get more conservative over time. It just stays ...
by Duckie
Tue Mar 25, 2014 7:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: 25yo, Married, House, Baby, and looking for help!
Replies: 17
Views: 1942

Re: Problem with ® mark

I used cut-n-paste and didn't get your %C2%AE coding. But now that you've told me I can use it in the future. Thank you.
by Duckie
Tue Mar 25, 2014 6:00 pm
 
Forum: Forum Issues and Administration
Topic: Problem with ® mark
Replies: 3
Views: 323

Problem with ® mark

If I want to link to a Bogleheads page that has the ® mark such as http://www.bogleheads.org/wiki/Bogleheads®_investing_start-up_kit, as you can see there is a problem. If I erase the ® mark I get http://www.bogleheads.org/wiki/Bogleheads_investing_start-up_kit and again it doesn't work. You guys ha...
by Duckie
Tue Mar 25, 2014 5:18 pm
 
Forum: Forum Issues and Administration
Topic: Problem with ® mark
Replies: 3
Views: 323
Next

Return to advanced search