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Re: Tracking performance of IRA Rollover

Is there something at Vanguard or elsewhere where I can track what my actual gain/loss is? For just Vanguard assets login to Vanguard >> My Accounts >> Overview >> Personal Performance >> Performance details. For your entire portfolio including employer plans and taxable, here are some options.
by Duckie
Thu Oct 23, 2014 5:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tracking performance of IRA Rollover
Replies: 2
Views: 137

Re: What is the recommended amount of international holdings

I would welcome any thoughts of desired percentages of international equites in one's portfolio. 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 ...
by Duckie
Thu Oct 23, 2014 4:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: What is the recommended amount of international holdings?
Replies: 5
Views: 572

Re: Does VG offer admiral shares in i401k?

If not, which facility offers the lowest ER for a solo/individual 401k? The items purchased in this account will be Total US Stock MF/ETF, International Fund/ETF, total us bond fund/etf and likely just those three - possibly a 4th of international bonds. Fidelity has a Self-Employed 401k Plan and i...
by Duckie
Tue Oct 21, 2014 5:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Does VG offer admiral shares in i401k?
Replies: 6
Views: 517

Re: 401k Rollover Help, Please

crazyfordlr , welcome to the forum. It appears that Putnam is an expensive front-load firm. Ain't nobody got time for that! Can we roll over the this money into a Vanguard IRA that's not so expensive to manage? How would we do that? Yes. He contacts Vanguard at 800-319-4254 and tells them he wants ...
by Duckie
Mon Oct 20, 2014 4:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k Rollover Help, Please
Replies: 7
Views: 447

Re: Where to put small rollover

My spouse recently rolled over a small 457b account into Vanguard. The amount is only $500 so not sure what she can do with it. I'm surprised Vanguard opened an account with only $500. Are you on the brokerage side or the mutual fund side? Her primary retirement saving vehicle is contribution to he...
by Duckie
Mon Oct 20, 2014 4:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where to put small rollover
Replies: 2
Views: 261

Re: Employer 401(k) vs. Vanguard IRA investments

gorichen , it looks like your AA is now 75% stocks, 25% bonds, with unknown in international. I'm still recommending 30% of stocks in international. That breaks down to 52% US stocks, 23% international stocks, and 25% bonds. Here is a possible retirement portfolio as of the end of the year: 401k at...
by Duckie
Sat Oct 18, 2014 8:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Employer 401(k) vs. Vanguard IRA investments
Replies: 17
Views: 1237

Re: Employer 401(k) vs. Vanguard IRA investments

gorichen , you have some decent Spartan options in the 401k: ( FUSVX ) Spartan 500 Index Fund Advantage Class (0.07%) ( FSCKX ) Spartan Mid Cap Index Fund Advantage Class (0.21%) ( FSSVX ) Spartan Small Cap Index Fund Advantage Class (0.34%) ( FSITX ) Spartan U.S. Bond Index Fund Advantage Class (0...
by Duckie
Fri Oct 17, 2014 8:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Employer 401(k) vs. Vanguard IRA investments
Replies: 17
Views: 1237

Re: Maintaining asset allocation in 401k and Roth IRA accoun

Desired Asset allocation: 85% stocks / 15% bonds Desired International allocation: ~30% of stocks Reasonable for your age. That breaks down to 60% US stocks, 25% international stocks, and 15% bonds. I decided to go with the default choice of a target retirement fund called the 'LifePath Index 2055-...
by Duckie
Fri Oct 17, 2014 7:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Maintaining asset allocation in 401k and Roth IRA accounts
Replies: 3
Views: 430

Re: Portfolio Strategy Suggestions? (Transamerica, TSP, 529?

CW47 , welcome to the forum. Tax Rate: I believe our turbo tax said we were taxed at 14.3% federally but that seems low compared to other ones I've read. We need the marginal tax bracket , not the effective tax rate. His SEP IRA Retirement Plan Where is this held? Are you the employer and can you m...
by Duckie
Fri Oct 17, 2014 7:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Strategy Suggestions? (Transamerica, TSP, 529?s)
Replies: 12
Views: 809

Re: Employer 401(k) vs. Vanguard IRA investments

gorichen , welcome to the forum. I noticed that many of my fund selections through Fidelity seem to have pretty high expense ratios: 0.8%-1.5%. The main question, I'd like advice about is: 1) should I increase my retirement saving through my employer's 401(k) or 2) should I invest in my current Van...
by Duckie
Fri Oct 17, 2014 6:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Employer 401(k) vs. Vanguard IRA investments
Replies: 17
Views: 1237

Re: Attending/Resident Physician Couple - Porfolio Review

Can I still contribute the max of 17,500 to my current employer's 457b (no match) and the TSP would be in addition? Or do I have to reduce my current contributions to the 457b to total 17,5k between both? It is my understanding that the 401k / 403b / TSP plans are all "qualified" plans an...
by Duckie
Fri Oct 17, 2014 6:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Attending/Resident Physician Couple - Porfolio Review
Replies: 20
Views: 3023

Re: Capital One chip card!

jebmke wrote:
Duckie wrote:If you don't have a PIN how can you use the card at regular ATMs? Or is the Chip PIN different from a standard ATM PIN?

He is talking about a credit card, not an ATM card.

I have used my credit card in an ATM to get cash. It requires a PIN.
by Duckie
Wed Oct 15, 2014 6:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Capital One chip card!
Replies: 20
Views: 1227

Re: guidance on allocation of $500,000 with 55/45 AA.

Sweetwater , welcome to the forum. This gives me a 56/44 AA Is this what you want? is this too much duplication in funds? Yes, too much overlap. Either pick Total Stock Market, Total International Stock, and Total Bond in the AA you prefer or chose one Target Retirement fund that comes close to you...
by Duckie
Wed Oct 15, 2014 6:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: guidance on allocation of $500,000 with 55/45 AA.
Replies: 6
Views: 462

Re: Capital One chip card!

Their FAQ says it will be a Chip & Signature card with no PIN to remember, as if that's a benefit. It's probably a benefit in the US, but I won't be able to use it to buy train tickets at Amsterdam Centraal station's vending machines. If you don't have a PIN how can you use the card at regular ...
by Duckie
Wed Oct 15, 2014 5:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Capital One chip card!
Replies: 20
Views: 1227

Re: Please Help: Portfolio Advice

tico , welcome to the forum. I want to model this around a modified "Ultimate Buy and Hold" Portfolio. What changes, if any, would you make to either my 401(k), Roth, or both? You have an AA of 80% stocks, 20% bonds, with 40% of stocks in international. That breaks down to 48% US stocks, ...
by Duckie
Mon Oct 13, 2014 5:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please Help: Portfolio Advice
Replies: 2
Views: 276

Re: Creating a 401k for my company through Employee Fiduciar

My question is whether or not to include others such as REIT, TIPS, small/medium/large cap, or any others (Vanguard or not) you may find worthwhile. My reasoning for NOT including these is to keep the plan simple, but please advise if you believe these options are worthwhile to include. I would def...
by Duckie
Sun Oct 12, 2014 3:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Creating a 401k for my company through Employee Fiduciary
Replies: 85
Views: 3189

Re: Paying extra on Mortgage vs Investing?

alex11 , before even considering the mortgage extra payments vs taxable for retirement I would make sure that: ⋅ There is an emergency fund of at least three-months' expenses ⋅ All tax-sheltered plans are maxed (401k, Roth IRA) ⋅ Any debt higher than 3.6% (credit cards...
by Duckie
Sat Oct 11, 2014 5:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying extra on Mortgage vs Investing?
Replies: 18
Views: 2215

Re: I want to start to investing for my wife

Currently, I have 70k in my TSP, in the S fund, with 10k of that being a Roth Account I have 20k in my own Roth IRA in a Vanguard Target Index Fund (VTIVX) You have 78% of your retirement assets in a mid/small cap fund. That is not sensible. Either use one of the Lifecycle Funds in your TSP along w...
by Duckie
Fri Oct 10, 2014 4:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: I want to start to investing for my wife
Replies: 11
Views: 1047

Re: Looking for the best video for the uninformed investor.

lisaac wrote:I'm looking for a simple video that will explain the Boglehead logic and way of investing

11 short videos
by Duckie
Thu Oct 09, 2014 9:16 pm
 
Forum: Investing - Theory, News & General
Topic: Looking for the best video for the uninformed investor.
Replies: 10
Views: 394

Re: Using Fidelity for solo 401k

I think the Spartan international fund isn't as broad as the Vanguard one, so you may consider VXUS if that's important enough to you. Spartan International is only developed markets, but Spartan Global ex US is almost the same as Total International. It's just missing small caps. I agree that the ...
by Duckie
Wed Oct 08, 2014 6:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Using Fidelity for solo 401k
Replies: 2
Views: 193

Re: Just finished medical residency. Lots of general ?s

I plan to: -maximize my 403B, 457B, 401K Be aware that the 403b and 401k have the same limit across both plans. You can contribute up to $17.5K to both but not to each. It's $17.5K total. The 457b plan is a different animal and allows for an extra $17.5K but there is a difference between government...
by Duckie
Wed Oct 08, 2014 6:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just finished medical residency. Lots of general ?s
Replies: 14
Views: 1688

Re: Portfolio setup questions for New Investor

As i need to allocate 30% in Bonds, can i invest in Vanguard Total Bond Market Fund (VBMFX) in Roth IRA instead of the Vanguard Total International Stock Index Fund Investor Shares? In the 401k plans PIMCO Total Return is a bond fund and it's cheaper than the international options so I recommend yo...
by Duckie
Tue Oct 07, 2014 4:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio setup questions for New Investor
Replies: 13
Views: 756

Re: What type of Vanguard account to open?

I'm in the process of setting up my first account with vanguard. In the options I can either choose retirement (roth or taxable) or general savings (individual) account. Can someone tell me the difference between the two, or which one i should choose. I'm looking to open an account and use the 3 fu...
by Duckie
Mon Oct 06, 2014 3:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: What type of Vanguard account to open?
Replies: 4
Views: 479

Re: Portfolio setup questions for New Investor

zorg , welcome to the forum. Age: 32 Desired Asset allocation: 70% stocks / 30% bonds Reasonable for your age. Desired International allocation: 20% of stocks Reasonable. Vanguard has found between 20% and 40% of stocks in international to be the "sweet spot". See the discussion and the V...
by Duckie
Mon Oct 06, 2014 3:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio setup questions for New Investor
Replies: 13
Views: 756

Re: Newbie Portfolio Help

[Would it not be too risky to put most of the money into stocks? You wrote above you were fine with the 70/30 (49/21/30) AA. If you want fewer stocks in your retirement portfolio, say 60/40 or 50/50, let me know and I can refigure the percentages. When you talk about "Taxable at Vanguard"...
by Duckie
Mon Oct 06, 2014 2:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie Portfolio Help
Replies: 19
Views: 2065

Re: Newbie Portfolio Help

This is pre-inheritance money I received. It's basically for retirement, and I would like to grow it. I just don't want to squander it. I could use part of it for the initial investment of two Roth IRA but I can only contribute $5,500 each. Okay, if most of the $200K is for retirement we need to re...
by Duckie
Sun Oct 05, 2014 4:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie Portfolio Help
Replies: 19
Views: 2065

Re: Traditional 401K or Roth 401K?

WSdad , welcome to the forum. My company I work for now offers a Roth 401K. I have been contributing 10% to the traditional 401K but now wonder if I should move over to the Roth. Here are two articles by tfb : 
 The Case Against Roth 401(k) and Roth 401(k) for People Who Contribute the Max . In you...
by Duckie
Fri Oct 03, 2014 8:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Traditional 401K or Roth 401K?
Replies: 11
Views: 1268

Re: Newbie Portfolio Help

Emergency funds: $8,400 Bump this up. Life Insurance abroad; expected payout $80,895 in 2040 I don't understand this. Are you planning to move abroad when you retire? Cash: $200,000 Is this for retirement or something else? If for retirement do you want to invest it or leave it as cash? We would li...
by Duckie
Fri Oct 03, 2014 4:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie Portfolio Help
Replies: 19
Views: 2065

Re: 33 Year Old, Married Dad RE: Guid. with 401(k) & ROTH IR

Do you lean towards international before small/mid cap as international seems to alternate higher gains with domestic large cap and because small/mid cap is more volatile? Large caps are roughly 80% of the US market. If you compare 500 Index to Total Stock Market you'll see that their return is pra...
by Duckie
Thu Oct 02, 2014 3:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: 33 Year Old, Married Dad RE: Guid. with 401(k) & ROTH IRA
Replies: 4
Views: 631

Re: fidelity v.s. vanguard

How to find the corresponding funds in fidelity? Search for all the Spartan index funds . There are 14 funds and each fund has two classes -- Investor Class with a $2.5K minimum and cheaper Advantage Class with a $10K minimum. I've been trying to figure out how to do this, but see nothing online th...
by Duckie
Wed Oct 01, 2014 10:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: fidelity v.s. vanguard
Replies: 18
Views: 1741

Re: lump sum [How to invest?]

JPChevy2222 , welcome to the forum. Any advice? What about a Rollover IRA at Vanguard? You could have: ( VTSAX ) Vanguard Total Stock Market Index Fund Admiral Shares (0.05%) ( VTIAX ) Vanguard Total International Stock Index Fund Admiral Shares (0.14%) ( VBTLX ) Vanguard Total Bond Market Index Fu...
by Duckie
Wed Oct 01, 2014 10:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: lump sum [How to invest?]
Replies: 5
Views: 641

Re: 33 Year Old, Married Dad RE: Guid. with 401(k) & ROTH IR

Wink , welcome to the forum. Debt: Student Loans (all low interest except $12k at 6% ). Knock this out. Desired Asset Allocation: Help me oh wise ones. Desired International Allocation: Help me oh wise ones (the sequel). At age 33 I recommend an AA of 75% stocks, 25% bonds, with 30% of stocks in in...
by Duckie
Wed Oct 01, 2014 9:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: 33 Year Old, Married Dad RE: Guid. with 401(k) & ROTH IRA
Replies: 4
Views: 631

Re: IRA Questions: Rollover vs. Traditional

It sounds like I need to figure out what to do with the rollover IRA. Given my higher income bracket, I am not sure if it makes sense to try and backdoor roth that first? Because of the pro-rata rule the rollover IRA is an issue. You have four choices: ⋅ Roll the rollover IRA into your 40...
by Duckie
Wed Oct 01, 2014 1:22 am
 
Forum: Investing - Help with Personal Investments
Topic: IRA Questions: Rollover vs. Traditional
Replies: 7
Views: 349

Re: New investor would deeply appreciate advise.

I do know that her employer will begin matching 6% when she hits her 3 year anniversary with the company. At that time, we had planned on reducing the 20% contribution to put it towards the Roth IRA, and maybe elsewhere. Is this a good plan, or should she continue contributing 20% to the 401K even ...
by Duckie
Wed Oct 01, 2014 12:43 am
 
Forum: Investing - Help with Personal Investments
Topic: New investor would deeply appreciate advise.
Replies: 10
Views: 977

Re: 401k rollover help needed

I’d like to show you what I thought would be similar to your selections to see if I am starting to understand the basics. If you are going to use Vanguard instead of Fidelity then use these funds: Her Rollover TIRA at Vanguard -- $51K -- 14% 10% ( VEXAX ) Vanguard Extended Market Index Fund Admiral...
by Duckie
Wed Oct 01, 2014 12:18 am
 
Forum: Investing - Help with Personal Investments
Topic: 401k rollover help needed
Replies: 16
Views: 1342

Re: New investor would deeply appreciate advise.

So I would be better off saving towards a down-payment on a house as a first priority, and investing any additional funds into the "Small Business Retirement Plan at Fidelity you mentioned? Since you have two years left to save before buying your house the down-payment is a priority for you. I...
by Duckie
Tue Sep 30, 2014 6:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: New investor would deeply appreciate advise.
Replies: 10
Views: 977

Re: Best 401K for 26-year-old

velma55 , at age 26 I would recommend an AA of 80% stocks, 20% bonds, with 30% of stocks in international. That breaks down to 56% US stocks, 24% international stocks, and 20% bonds. If all you have is your 401k you could have: 401k at Fidelity -- 100% 45% ( VINIX ) Vanguard Institutional Index Fun...
by Duckie
Mon Sep 29, 2014 4:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best 401K for 26-year-old
Replies: 21
Views: 1690

Re: New investor would deeply appreciate advise.

Tax Rate: I am self employed. What is your marginal tax bracket (both federal and state)? Desired Asset allocation: Not sure what I should invest in or how much. Desired International allocation: Not sure what I should invest in or how much. At age 27 I would recommend a retirement AA of 80% stocks...
by Duckie
Mon Sep 29, 2014 4:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: New investor would deeply appreciate advise.
Replies: 10
Views: 977

Re: 401k rollover help needed

Thank you, I will do the transfer. I just need to receive a paperwork. This will also give me more time to decide where and which fund to invest in exactly. Where are you planning to transfer to? In addition, my husband agreed to increase contributions to his 457 plan as per your previous suggestio...
by Duckie
Sun Sep 28, 2014 4:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k rollover help needed
Replies: 16
Views: 1342

Re: Notice From Vanguard About Impending Transfer

Since account numbers are changing does this mean that Direct Deposit set-ups will have to be re-done? If you have a pension or social security going to an account, if the number changes will that cause the payment to bounce?
by Duckie
Sat Sep 27, 2014 6:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Notice From Vanguard About Impending Transfer
Replies: 17
Views: 2100

Re: Need advice; Significant Student Loan Burden

Not sure what you mean about non-Roth after tax options.... Besides the regular pre-tax 401k and the post-tax Roth 401k, some employer plans also have an after-tax option that allows additional employee contributions. These contributions are not deductible but can shelter a lot more of your income....
by Duckie
Sat Sep 27, 2014 6:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need advice; Significant Student Loan Burden
Replies: 23
Views: 1779

Re: 401k rollover help needed

I noticed the market is not growing up as much in last couple of months. Will it go more down, back up? It will probably do both. That's what the market does, goes up and down. You can't time things. I was told I should trade or rollover when my funds are on the way up, not down. Generally under wh...
by Duckie
Sat Sep 27, 2014 6:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k rollover help needed
Replies: 16
Views: 1342

Re: Need advice; Significant Student Loan Burden

Olivestreetcouple , welcome to the forum. With the amount of money you're making you could both max your 401k plans ($17.5K) plus your backdoor Roth IRAs ($5.5K) plus pay off all of your debt in just three years if you wanted to. Then you could load up on your taxable retirement investing. Do eithe...
by Duckie
Fri Sep 26, 2014 7:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need advice; Significant Student Loan Burden
Replies: 23
Views: 1779

Re: Questions before funding a new 401K

n00b_to_investing , please list the expense ratios for all the options. I see four good possibilities already: Fidelity Spartan 500 Index Fidelity Spartan Extended Market Index American Funds EuroPacific Vanguard Total Bond Market Index Does her new 401k allow incoming rollovers from IRAs? The plan...
by Duckie
Fri Sep 26, 2014 5:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Questions before funding a new 401K
Replies: 2
Views: 352

Re: Notice From Vanguard About Impending Transfer

vested1, here's the online brochure with details about the upgrade. Your email should have provided a link to start the process. Customers are being invited slowly so as not to overwhelm their system.
by Duckie
Fri Sep 26, 2014 4:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Notice From Vanguard About Impending Transfer
Replies: 17
Views: 2100

Re: 401k rollover help needed

I am not sure anymore it would be wise to do the rollover due to the market now. What is the market doing that prevents you from rolling over? You would be moving from being in the market in both your old 401k and your TIRA to being in the market in your new rollover IRA. No real change. What is th...
by Duckie
Fri Sep 26, 2014 3:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k rollover help needed
Replies: 16
Views: 1342

Re: 401k rollover help needed

Should I edit my post to make a note in there that I listed this in an error? As long as your percentages are correct that's not necessary. I will not roll over to a Roth at this time and will see at the end of each year how much or if to transfer from TIRA to Roth. Sounds sensible. We are hoping o...
by Duckie
Thu Sep 25, 2014 6:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k rollover help needed
Replies: 16
Views: 1342

Re: 401k rollover help needed

When I converted my Simple IRA account to the TIRA within First Investors I lost 33% of what I had. Was that common in year 2005? When you say you "lost 33%" do you mean that you somehow lost some of the assets in the actual rollover (not conversion) or that the value went down soon after...
by Duckie
Wed Sep 24, 2014 11:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k rollover help needed
Replies: 16
Views: 1342

Re: 401k rollover help needed

Janes , welcome to the forum. Age : 53 Desired Asset allocation : 95% stocks, 5% bonds – open to suggestions Desired International allocation : about 1/4% of stocks 95% stocks at age 53 is extremely aggressive. You should be no more than 70% stocks and 60% would be even better. As for international...
by Duckie
Wed Sep 24, 2014 4:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k rollover help needed
Replies: 16
Views: 1342

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

Are the Fidelity 401k funds similar expense ratio to the Vanguard Admiral funds? Fidelity Spartan funds Advantage class is comparable to Vanguard funds Admiral shares. See here . Are there better ETF options at Fidelity? Maybe. But the main issue is that you can roll a SEP IRA into a Fidelity solo ...
by Duckie
Wed Sep 24, 2014 3:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Considering converting SEP to solo 401k and go backdoor Roth
Replies: 19
Views: 1066
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