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by Duckie
Thu May 28, 2015 4:05 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice - two recently married 30 year olds
Replies: 14
Views: 1493

Re: Portfolio advice - two recently married 30 year olds

kmb727 wrote:I do have Roth 401k as an option; should I consider putting anything there vs. in traditional 401k?

Here are two articles by tfb about this question:
by Duckie
Wed May 27, 2015 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: Critique My 401K Rollover Investments
Replies: 3
Views: 165

Re: Critique My 401K Rollover Investments

I've chosen different institutions for each of the three index funds with a view to hedging risk (aka don't put all your eggs in one basket). This makes no sense since you're holding the funds at a different custodian. It's probably breaking the three-fund portfolio "rules," but IHE is th...
by Duckie
Tue May 26, 2015 10:19 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice - two recently married 30 year olds
Replies: 14
Views: 1493

Re: Portfolio advice - two recently married 30 year olds

Furthermore, his 403b also has a truckload of other options which we didn't realize were available to him (in addition to all of the Fidelity ones listed previously). They can choose between funds offered through Fidelity, Vanguard, TIAA-CREF and VALIC. So, I've posted all of those below (with the ...
by Duckie
Mon May 25, 2015 10:16 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice - two recently married 30 year olds
Replies: 14
Views: 1493

Re: Portfolio advice - two recently married 30 year olds

These are the best options in His 403b: ⋅ ( FSKTX ) Spartan Total Market Index Fund Institutional Class (0.04%) ⋅ ( FSEVX ) Spartan Extended Market Index Fund Advantage Class (0.07%) <-- This is the completion fund for the 500 Index in Her 401k. Roughly 80% large caps (500 Index)...
by Duckie
Mon May 25, 2015 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Individual 401k vs SEP IRA if I cannot do the backdoor Roth
Replies: 10
Views: 596

Re: Individual 401k vs SEP IRA if I cannot do the backdoor Roth

I have opened up a solo 401k in Vanguard based on my new accountant's recommendation for 2015. And so far I have put in 18k for this year contribution. So I am not sure if I am allowed to open up another solo 401k to roll over all the non ROTH IRA into with Fidelity for 2015 or I am pretty much sho...
by Duckie
Mon May 25, 2015 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: Help! I'm a hot mess when it comes to investing.
Replies: 12
Views: 1088

Re: Help! I'm a hot mess when it comes to investing.

Age: 30/33 Desired Asset allocation: 90% stocks / 10% bonds (open to suggestions, but we don't have very much to begin with) At your ages I'd recommend 75/25 instead. Desired International allocation: 30% of stocks (open to suggestions) This is good. If you use the 75/25 AA then your stock AA would...
by Duckie
Mon May 25, 2015 7:59 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice - two recently married 30 year olds
Replies: 14
Views: 1493

Re: Portfolio advice - two recently married 30 year olds

kmb727 , welcome to the forum. Tax Rate: 28% Federal, 5.75% State <income is just below Roth limits> Given that your joint income is just below direct Roth IRA contribution limits you need to reconsider the following: ⋅ His old Fidelity 401k -- 13% (want to roll into Vanguard Roth or regu...
by Duckie
Mon May 25, 2015 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Individual 401k vs SEP IRA if I cannot do the backdoor Roth
Replies: 10
Views: 596

Re: Individual 401k vs SEP IRA if I cannot do the backdoor Roth

Everything is with vanguard at this point. I will call Fidelity tomorrow and see if I can set up the roll over to 401k. Does this mean you opened the solo 401k at Vanguard and now you want to move it to Fidelity? How about my roll over IRAs. Do I need to roll over that to 401k as well? If you want ...
by Duckie
Thu May 21, 2015 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: New Investor Help with Asset Allocation
Replies: 15
Views: 887

Re: New Investor Help with Asset Allocation

I got the values from a document from my employer. Should I look all these up online and use that expense ratio instead? No. You want your plan rates, not retail rates. Is this how you would set yours up given the options available to me? No. Each of the funds (TSM, TISM, TBM) has a $3K minimum and...
by Duckie
Thu May 21, 2015 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: Age 56, Need Asset Allocation Advice
Replies: 16
Views: 1046

Re: Age 56, Need Asset Allocation Advice

LostInvestor wrote:Are these ER's too high?

Yes.

Should I shift more, or all of my bond funds to JTBMX, the one with the lowest ER?

Yes. Not only is it the cheapest option, it is the most complete.
by Duckie
Thu May 21, 2015 3:49 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Evaluation
Replies: 9
Views: 760

Re: Portfolio Evaluation

How much increase would you suggest? Start with 10% of gross pay going to your 401k/457b plans and increase that by 1% a year (or more if you can afford it) so in five years you'd be contributing 15%. Or if you're really stretched right now just start with 8%, a smidge more than now, and work your ...
by Duckie
Wed May 20, 2015 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review request - headed in right direction?
Replies: 6
Views: 395

Re: Portfolio review request - headed in right direction?

You have a desired AA of 85% stocks, 15% bonds, with 30% of stocks in international. That breaks down to 60% US stocks, 25% international stocks, and 15% bonds. Given the options shown you could have: His 401k -- $65K -- 40% 25% ( FXSIX ) Spartan 500 Index Fund Institutional Class (0.04%) 15% ( FXST...
by Duckie
Wed May 20, 2015 5:06 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Evaluation
Replies: 9
Views: 760

Re: Portfolio Evaluation

But looking at the NYC tax rate schedule , it's very confusing... :?: It adds 3.648% to your state tax bracket of 6.45% which makes it 10.098%. Of course your effective rate will be less. Yes, that is all I can put. Please keep in mind I have both a 401k Roth AND a 457 pre-tax. Also, I plan to be i...
by Duckie
Wed May 20, 2015 3:52 pm
Forum: Investing - Theory, News & General
Topic: Vanguard implements 20 character passwords
Replies: 69
Views: 11172

Re: Vanguard implements 20 character passwords

I realize this is 18 months old, but I cannot find this. How do you change timeout settings these days. I am Flagship and don't have the brokerage account so your pages may look different, but mine work like this when logged in >> My Accounts >> Account maintenance (bottom of 3rd column) >> under S...
by Duckie
Tue May 19, 2015 8:19 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Evaluation
Replies: 9
Views: 760

Re: Portfolio Evaluation

Emergency funds: -$7k (5k of which will most likely going towards down payment on a car in the near future) -How much should this be? Is there a rule of thumb here? Minimum of three months' expenses. Tax Rate: -Federal 25% -State 6.45% Do you live in NYC? Because that adds more to your taxes. -Cont...
by Duckie
Tue May 19, 2015 6:37 pm
Forum: Investing - Help with Personal Investments
Topic: John Hancock 401k Investment Options Expense Ratios
Replies: 11
Views: 629

Re: John Hancock 401k Investment Options Expense Ratios

I'm currently invested in the target date 2050, but the more I read bogleheads, the more convinced I am that I'm getting ripped off with a 1.15 fee. The thing is though, there doesn't appear to be many options for fees much lower than 1.15. The lowest ER appears to be the 500 index fund which is a ...
by Duckie
Tue May 19, 2015 6:15 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Evaluation
Replies: 9
Views: 760

Re: Portfolio Evaluation

poormaninvestor , welcome to the forum. Emergency funds: -$7k (5k of which will most likely going towards down payment on a car in the near future) That means you have $2K in an emergency fund and $5K set aside for a car. That's not enough in the emergency fund. Tax Rate: -Please help me how to fin...
by Duckie
Tue May 19, 2015 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: my portfolio - AA?
Replies: 1
Views: 208

Re: my portfolio - AA?

I put some extra cash into VTSAX earlier this year (we decided that the mortgage rate was too low to justify paying down). Between that taxable and the taxable at ML (no future contributions planned there), I think I'm too stock-heavy? So I'm looking for suggestions of where to invest extra taxable...
by Duckie
Tue May 19, 2015 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard account question regarding Balances and holdings view
Replies: 3
Views: 469

Re: Vanguard account question regarding Balances and holdings view

acshen , welcome to the forum. For some reason my Vanguard account shows a bunch of 0.000 quantity and $0.00 mutual fund investments that I traded out a long time ago. Is there a way to hide or remove these? When logged in >> My Accounts >> Balances and holdings >> Customize this page (top far righ...
by Duckie
Sun May 17, 2015 4:43 pm
Forum: Investing - Help with Personal Investments
Topic: My 457(b)
Replies: 13
Views: 945

Re: My 457(b)

What type of debt is that $11k? What is the interest rate? $4000.00 is credit card debt. The APR is 15.24%. $7000.00 is a loan I took out to pay off the rest of college. The interest rate is 10.06%. These interest rates change my recommendation. Reduce your retirement contributions and pay these of...
by Duckie
Sat May 16, 2015 5:39 pm
Forum: Investing - Help with Personal Investments
Topic: My 457(b)
Replies: 13
Views: 945

Re: My 457(b)

BarryHood1989 , welcome to the forum. I currently make about $73,000 a year, and have about $11,000 in debt that I am working on paying off at this time. I was putting about 10% of my paychecks into my deferred compensation account until I decided to put $10.00 a month in the account until I have c...
by Duckie
Fri May 15, 2015 5:39 pm
Forum: Investing - Help with Personal Investments
Topic: switching from Edward Jones
Replies: 56
Views: 5350

Re: switching from Edward Jones

I've spoken to two people at Vanguard -- one suggested we just open Traditional IRAs and invest it there. The other suggested we invest it into our taxable joint acct for now, and at the end of the year, transfer it into either our ROTHs or a tIRA. The third option was to invest it in the ROTH and ...
by Duckie
Fri May 15, 2015 5:20 pm
Forum: Investing - Help with Personal Investments
Topic: Need Your Help Evaluating My Portfolio (TSP Allocation, Roth IRA Vanguard)
Replies: 8
Views: 477

Re: Need Your Help Evaluating My Portfolio (TSP Allocation, Roth IRA Vanguard)

OutofDebt11 , welcome to the forum Age: 30 Desired Asset allocation: 90% stocks / 10% bonds 10% bonds is aggressive for age 30. I'd up that to 20%. TSP (Government's version of 401k) 66% in TSP--->35% C (=S&P500), 35% S (=DowJones), 21% F (bonds), 9% I (international) Roughly 80% large caps (C ...
by Duckie
Thu May 14, 2015 9:18 pm
Forum: Investing - Help with Personal Investments
Topic: 403b and 457b Allocation Advice
Replies: 6
Views: 510

Re: 403b and 457b Allocation Advice

In regards to international exposure - I will be missing emerging markets, Canada, and small caps - is that a big deal? Do I need to buy another fund in the backdoor Roth account or would VGTSX or FSGUX cover them in a reasonable balance? You could use ( VEIEX ) Vanguard Emerging Markets Stock Inde...
by Duckie
Thu May 14, 2015 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: Parents need help investing $220k for retirement in 10 yrs
Replies: 4
Views: 562

Re: Parents need help investing $220k for retirement in 10 yrs

mhall wrote:I've never heard of those tax exempt bonds. I'll have to look into them. Once they max out their IRAs they will have to do normal or taxable investments for lack of a better word.

(VWITX) Vanguard Intermediate-Term Tax-Exempt Fund Investor Shares (0.20%)
by Duckie
Thu May 14, 2015 6:49 pm
Forum: Investing - Help with Personal Investments
Topic: 403b and 457b Allocation Advice
Replies: 6
Views: 510

Re: 403b and 457b Allocation Advice

ndfn80 , welcome to the forum. 1) does my strategy sound reasonable or am I being too aggressive? You're being too aggressive. Start out moderately. You can always get riskier with more experience. 2) what is the best strategy for allocation in terms of whether to contribute to roth or tax deferred...
by Duckie
Thu May 14, 2015 5:57 pm
Forum: Investing - Theory, News & General
Topic: Why is Vanguard's Web Site So Bad?
Replies: 64
Views: 5014

Re: Why is Vanguard's Web Site So Bad?

I found a link for the Vanguard Total Stock Market Index Fund Investor Shares. I went there, but it did not have the information, such as expenses, for the Admiral shares, and there was no information on how to get it. The fund prospectus for Investor Shares is the same as for Admiral Shares. Be aw...
by Duckie
Wed May 13, 2015 7:30 pm
Forum: Investing - Help with Personal Investments
Topic: Need helping creating order of my chaos (person investment strategy).
Replies: 12
Views: 1048

Re: Need helping creating order of my chaos (person investment strategy).

Do NY/NYC Municipal bonds due to tax bracket make sense? Only if you needed to put bonds in a taxable account and you don't. You have plenty of room in tax-sheltered. Where do I have more room to max out? I thought I am maxing out my 403 and 457, and am doing a traditional ira. are you referring to...
by Duckie
Tue May 12, 2015 4:48 pm
Forum: Investing - Help with Personal Investments
Topic: Where should I put my money?
Replies: 8
Views: 1017

Re: Where should I put my money?

SavingsGirl , welcome to the forum. But since we already have a nice cushion in our savings, where should we start putting it so we can look forward to retiring someday? First, you can each contribute $5.5K to a Roth IRA at a good custodian like Vanguard or Fidelity. Second, being self-employed, do...
by Duckie
Mon May 11, 2015 9:04 pm
Forum: Investing - Help with Personal Investments
Topic: IRA rollover question
Replies: 11
Views: 980

Re: IRA rollover question

rgs92 wrote:I don't believe you can ever rollover a traditional IRA account into a 401K.

The IRS allows it, so you can if the 401k plan allows it.
by Duckie
Mon May 11, 2015 8:05 pm
Forum: Investing - Help with Personal Investments
Topic: Net versus gross expense ratio for fidelity fund question
Replies: 4
Views: 348

Re: Net versus gross expense ratio for fidelity fund question

am wrote:So if it is an employer 401k than am I paying the full amount?

It depends on your plan. I'm not sure how you find out. Human Resources might know or there may be more details on the plan website.
by Duckie
Mon May 11, 2015 7:39 pm
Forum: Investing - Help with Personal Investments
Topic: Need helping creating order of my chaos (person investment strategy).
Replies: 12
Views: 1048

Re: Need helping creating order of my chaos (person investment strategy).

New annual Contributions $17,500 his 403b ($18,000 contributed by employer) For employees it's $18K for 2015 not $17.5K. $16,500 in his 457b Why less? Is His 457b plan governmental or non-govermental? It makes a big difference. $0 her 403b (also specify any employer matching contributions) will cha...
by Duckie
Mon May 11, 2015 6:08 pm
Forum: Investing - Help with Personal Investments
Topic: Net versus gross expense ratio for fidelity fund question
Replies: 4
Views: 348

Re: Net versus gross expense ratio for fidelity fund question

Which one am I paying and if it is the lower, is this an error on the Vanguard page? If you own this fund directly (not through an employer plan) then you are paying the net ratio. The gross ratio is what it costs to run the fund. The net ratio is what the customer pays. Fidelity is subsidizing som...
by Duckie
Sat May 09, 2015 4:00 pm
Forum: Investing - Help with Personal Investments
Topic: IRA rollover question
Replies: 11
Views: 980

Re: IRA rollover question

If you have a rollover IRA with funds from a previous employer 401a, then create a new solo 401k with some consulting income, can you transfer the rollover IRA funds into the new solo 401k (this is a Fidelity account)? You can transfer the rollover IRA to the new solo 401k if the solo 401k plan all...
by Duckie
Thu May 07, 2015 9:21 pm
Forum: Investing - Help with Personal Investments
Topic: New to Asset Allocation - comments on out of sync acct?
Replies: 8
Views: 527

Re: New to Asset Allocation - comments on out of sync acct?

My desired AA and current AA are out of sync. Should I rebalance my portfolio now or wait till next year (when I have enough funds in my 401K) - My current bond % is quiet low and i don't know when is the right time to increase my bond %. Everything is in tax-sheltered. Rebalance now. How do I deci...
by Duckie
Thu May 07, 2015 9:01 pm
Forum: Investing - Help with Personal Investments
Topic: Guaranteed Interest Options within 403b
Replies: 1
Views: 144

Re: Guaranteed Interest Options within 403b

funkysi, welcome to the forum.

funkysi wrote:Should I consider these options as part of my bond/fixed income allocation of 23% of portfolio?

Yes. They both qualify as fixed income.
by Duckie
Wed May 06, 2015 7:33 pm
Forum: Forum Issues and Administration
Topic: Submission Misfire on this Board
Replies: 7
Views: 602

Re: Submission Misfire on this Board

Do any of you happen to know how long we can stay on before being logged out by the site? When you login be sure to click on the "Remember me" box. That keeps you logged in for days until you manually log out (or clear your cookies). If you don't use that trick the system will log you out...
by Duckie
Wed May 06, 2015 7:18 pm
Forum: Investing - Help with Personal Investments
Topic: 401K - High Expenses, Should you contribute?
Replies: 6
Views: 411

Re: 401K - High Expenses, Should you contribute?

Would you contribute anything more than up to the employer match? Does she really have only five options? That's unusual. At the minimum contribute to RGABX at 1.38% up to the match. How long does she expect to work at her job? The longer she's there the more the high costs will hurt. Where else wo...
by Duckie
Wed May 06, 2015 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: Alternative investments
Replies: 14
Views: 1403

Re: Alternative investments

Vanguard Global ex-U.S. Real Estate ETF (VNQI) Will I get any foreign tax credit if I keep this fund in taxable account? Yes, see here . But REITs belong in tax-sheltered, first because of the amount of income they throw off and second because of the possible late 1099-DIV hassle. The foreign tax c...
by Duckie
Mon May 04, 2015 3:36 pm
Forum: Investing - Help with Personal Investments
Topic: Which Funds for Fidelity 401k
Replies: 5
Views: 524

Re: Which Funds for Fidelity 401k

FIPFX Fidelity Freedom 2050 Index Fund: 0.26% Gross, 0.16% Net...what's the difference? When you ask, "what's the difference?" are you talking about the difference between the two Freedom 2050 funds or the difference between the gross and net expense ratios? The second Freedom 2050 fund i...
by Duckie
Sat May 02, 2015 11:20 pm
Forum: Investing - Help with Personal Investments
Topic: Please Help with my Asset Allocation
Replies: 11
Views: 939

Re: Please Help with my Asset Allocation

By Tax sheltered accounts, do you mean 403(b)? Yes, tax-sheltered accounts are employer plans like your 403b and IRAs. "Put the bonds in your tax-sheltered accounts" How do I do this? You consider your entire retirement portfolio as a whole, not separate accounts. You put stock funds in t...
by Duckie
Sat May 02, 2015 10:26 pm
Forum: Investing - Help with Personal Investments
Topic: FSITX vs PTRAX
Replies: 1
Views: 241

Re: FSITX vs PTRAX

German Expat wrote:I have bonds in PTRAX but the expense ration for FSITX is much lower. Should I move completely over to it?

I would switch. FSITX is equivalent to Vanguard's Total Bond Market. I prefer the index fund to PIMCO's active fund. And the cheaper expense ratio is icing on the cake.
by Duckie
Fri May 01, 2015 5:30 pm
Forum: Investing - Help with Personal Investments
Topic: Please Help with my Asset Allocation
Replies: 11
Views: 939

Re: Please Help with my Asset Allocation

Age: 44 Desired asset allocation: 80% stocks, 20% bonds 20% bonds is very aggressive for age 44. I recommend at least 30%. Taxable Account - Sharebuilder AAPL- $330,000 Ouch! That is a huge amount in one stock. We very much believe in diversification and this is a big risk. New Annual Contributions...
by Duckie
Fri May 01, 2015 4:08 pm
Forum: Investing - Help with Personal Investments
Topic: Traditional IRA contribution
Replies: 3
Views: 335

Re: Traditional IRA contribution

uwarrior , welcome to the forum. Any suggestions of what I should do with these funds if I hope to do back-door Roth IRA's in the future. Should I incorporate this $11,000 in to my current investment plan and leave it in a traditional IRA, then potentially pay taxes next year if I do a Roth convers...
by Duckie
Thu Apr 30, 2015 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 4
Views: 422

Re: Portfolio Review

dbl_hoo , welcome to the forum. Desired Asset allocation: 90% stocks / 10% bonds 10% bonds at age 40 is very aggressive. I recommend 25-30% at least. 23.43% - Vanguard S&P ETF (.05) Which S&P ETF? S&P 500? His Former Employer 401k - Vanguard 8.19% - VINIX (.04) Can you roll this to your...
by Duckie
Thu Apr 30, 2015 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: Which funds go where?
Replies: 11
Views: 905

Re: Which funds go where?

I see you switched Ftse to International fund - I assume for more international exposure. TISM is more complete than FTSE because it has small caps. It's not worth switching in taxable but putting it in tax-sheltered means you don't have to worry about the wash sale rule . Is 4% worth it? Maybe not...
by Duckie
Wed Apr 29, 2015 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: Which funds go where?
Replies: 11
Views: 905

Re: Which funds go where?

Cody , your current AA is 43% stocks, 57% bonds/cash, with ~33% of stocks in international. That breaks down to 29% US stocks, 14% international stocks, and 57% bonds/cash. If you want to keep that AA, with your accounts you could have: Taxable -- 5% 5% CDs Taxable at Vanguard -- 16% 6% ( VTSAX ) V...
by Duckie
Wed Apr 29, 2015 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Charitable Contribution Strategy
Replies: 9
Views: 447

Re: Charitable Contribution Strategy

cadreamer2015 wrote:Donor advised funds are another possibility, but I think you need to put in at least $10,000 to start an account.

Fidelity's minimum to set up a DAF is $5K. Vanguard's is $25K. Fidelity also has lower minimum grant amounts.
by Duckie
Wed Apr 29, 2015 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Basic Financial Advice for College Student with Inheritance
Replies: 22
Views: 2164

Re: Basic Financial Advice for College Student with Inherita

What other financial advice or suggestions can I provide A to strengthen A’s financial foundation for the next 4-5 years (the college and immediate post-college years). Thank you! 1. Is the UTMA dissolved so that the student is now in control? 2. I would make the inherited IRA all bonds, probably T...

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