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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: 269

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: 6
Views: 441

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: 1
Views: 165

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: 5
Views: 252

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: 121

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: 468

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: 360

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: 6
Views: 708

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: 885

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: 561

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: 561

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: 155

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: 686

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: 159

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: 149

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: 398

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: 1043

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: 167
Views: 10562

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: 1044

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: 1043

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: 1043

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: 1044

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: 177

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: 649

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: 172

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: 261

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: 686

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: 1043

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: 1450

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: 643

Re: 401K allocation and contribution question

Droid27 wrote:I will look into getting Roth's for us both. How long do I have to put into 2014 Roth? Thanks for the help!

You have until April 15th to contribute for 2014.
by Duckie
Sun Feb 22, 2015 9:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K allocation and contribution question
Replies: 6
Views: 344

Re: New investor

dummyinvestor , welcome to the forum. I'm wanting to setup my TSP as 20% G fund, 40% C fund, 40% S fund and also open an account with Vanguard to start another investment. I've been reading a lot about VTSMX and VTSAX and decided i'd like to invest up to $12,000 into one of these. Would this invest...
by Duckie
Sun Feb 22, 2015 9:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: New investor
Replies: 14
Views: 1044

Re: Within sight of retirement, need to make changes

Assuming I need to get out of Janus and T.Rowe Price funds what would be good choices ? The “His” funds would go to Vanguard. If the “Her” funds have to stay at Fidelity, what are the best choices ? If she insists on staying with Fidelity the best options are the Spartan index funds. The three best...
by Duckie
Sun Feb 22, 2015 8:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Within sight of retirement, need to make changes
Replies: 8
Views: 1493

Re: 401k Fund Selection Help!

I have the following Vanguard funds (I know, very limited) as investment options and am hoping someone can help me decide on my allocation. Are these all your 401k options or only the Vanguard options? What are the expense ratios? Do you have an IRA or any other account for retirement purposes? Ass...
by Duckie
Sun Feb 22, 2015 8:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k Fund Selection Help!
Replies: 3
Views: 146

Re: Roth IRA recharacterization, then backdoor? Timeline?

I was planning on re-characterizing a 2014 $5500 Roth and its earnings to a tIRA, then putting in back in rIRA (I'm currently overfunded rIRA - due to a filing status error on my part). The way I understand it is the rIRA can be re-characterized "in kind" to the tIRA with the earnings inc...
by Duckie
Sun Feb 22, 2015 8:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roth IRA recharacterization, then backdoor? Timeline?
Replies: 9
Views: 401

Re: Roth IRA & SEP help

Are there any limits on how much I can transfer per year into the TIRA? According to the IRS Publication 560 : "As an employer, you cannot prohibit distributions from a SEP-IRA. Also, you cannot make your contributions on the condition that any part of them must be kept in the account after yo...
by Duckie
Sun Feb 22, 2015 12:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA & SEP help
Replies: 23
Views: 1043

Re: Roth IRA Over-Contribution

Perhaps TurboTax is making this more complicated than if I filed manually, but question #4 below is confusing me. I'm used to doing this on paper. It's different with TurboTax. 2. Tell Us How Much You Contributed - $5,500 Technically you contributed to the Roth IRA and recharacterized so this shoul...
by Duckie
Sun Feb 22, 2015 12:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Roth IRA Over-Contribution
Replies: 14
Views: 1006

Re: Roth IRA & SEP help

Which would you prefer? Your last example or 3 funds in TIRA and LSMG in the roths? If you're going to split the TIRA into separate funds from the beginning then use the separate funds in the Roth IRAs. So start with ( VTSMX ) Vanguard Total Stock Market Index Fund Investor Shares (0.17%) in each a...
by Duckie
Sat Feb 21, 2015 11:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA & SEP help
Replies: 23
Views: 1043

Re: Roth IRA & SEP help

The sixth year pertains to the new Roth IRAs . At $6500 per year that's how long it would take to get all underlying funds over 10k in order to qualify for admiral shares. This would be possible if I combined the dollars from the intl bond fund with one of the others and adjusted as necessary to ba...
by Duckie
Sat Feb 21, 2015 11:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA & SEP help
Replies: 23
Views: 1043

Re: IRA target fund

I'm 50 years old and have a very limited understanding of investing so I'll most likely use a 20 year target fund. Can someone tell me if it's reasonable to estimate 8% growth each year? I'm not sure which target-retirement fund you mean by 20 year fund so I'm going to use TR2020 as my example. If ...
by Duckie
Sat Feb 21, 2015 10:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: IRA target fund
Replies: 6
Views: 580

Re: two IRA's / same fund

So I currently have an (roth) IRA with TD Ameritrade which I opened about 4 years ago and invested into VFIX (about $2,500 which they charged & reimbursed a $50 fee to load). What is VFIX? Do you mean ( VFINX ) Vanguard 500 Index Fund Investor Shares (0.17%)? Now fast forward to last year where...
by Duckie
Sat Feb 21, 2015 10:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: two IRA's / same fund
Replies: 5
Views: 643

Re: reallocating a large % of my 401k holdings

Should I (a) sell off a bundle now to reach my proper bond allocation, (b) sell off a bit every month for three years, (c) sell off the bundle but wait and do it right as I retire, or (d) sell off a bit every month in retirement until reach my bond allocation? Since you are going from more aggressi...
by Duckie
Sat Feb 21, 2015 9:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: reallocating a large % of my 401k holdings
Replies: 4
Views: 489

Re: Roth IRA & SEP help

What I originally meant was to combine the dollars from the intl bond portion(8%) with the intl stock portion(18%) in order to be able to get admiral shares in intl stock index as part of a 3 fund portfolio(all admiral) in the sixth year of contributions. Are you going to be rolling over your contr...
by Duckie
Sat Feb 21, 2015 9:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA & SEP help
Replies: 23
Views: 1043

Re: Roth IRA Over-Contribution

TurboTax asks if I own a Traditional IRA and/or a Roth IRA. Should I be classifying my 2014 contribution as to my TIRA (which did not exist until February 2015) or my Roth IRA? Classify your 2014 contribution as going to your TIRA. A recharacterization is a do-over. It's as if you had the TIRA all ...
by Duckie
Sat Feb 21, 2015 8:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roth IRA Over-Contribution
Replies: 14
Views: 1006

Re: Roth IRA & SEP help

I'd like to hear your logic regarding LSMG over the others mentioned just for peace of mind since it historically has the lowest return. That's been my choice as well but interested in your view. I would chose LSMG over TR2025 because I prefer static funds to target-date funds. That way I know what...
by Duckie
Sat Feb 21, 2015 7:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA & SEP help
Replies: 23
Views: 1043

Re: Invest in Roth for next 8 years or save $24k in Std. Loa

It looks like myself nor my wife will qualify for a deductible contribution to a traditional IRA because as teachers we are part of a defined benefit plan through the state pension. This may not matter as the contributions will be converted to a Roth IRA which isn't deductible anyway, is that corre...
by Duckie
Sat Feb 21, 2015 7:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Invest in Roth for next 8 years or save $24k in Std. Loans
Replies: 13
Views: 1192

Re: Moving to Denmark--a few questions

I currently have both a Roth IRA and taxable account through Vanguard. Would moving overseas change the status of these accounts in some way? For example, how they're taxed (or not), or whether there are restrictions on buying and selling shares while abroad? Vanguard (and many other brokerages) re...
by Duckie
Fri Feb 20, 2015 11:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving to Denmark--a few questions
Replies: 9
Views: 761

Re: Roth IRA & SEP help

ase1628 , welcome to the forum. What should I pick for my Roths? I would pick ( VSMGX ) Vanguard LifeStrategy Moderate Growth Fund (0.16%) for both Roth IRAs. In addition, should I open another Tax deferred IRA and transfer my SEP contribution annually to try and get better performance net of fees?...
by Duckie
Fri Feb 20, 2015 10:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA & SEP help
Replies: 23
Views: 1043

Re: Asset Allocation Question

mikeharris32 , welcome to the forum. But how do you decide how much cash reserves to leave? I don't want to get in a situation where I want to buy an apartment or something and everything is stuck in long-term investments. Is there a good ratio at this age to target? There is no ratio, it all comes...
by Duckie
Fri Feb 20, 2015 10:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Question
Replies: 2
Views: 215
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