Search found 3298 matches

by Duckie
Wed Aug 26, 2015 8:26 pm
Forum: Investing - Help with Personal Investments
Topic: IRA questions
Replies: 2
Views: 139

Re: IRA questions

mookie , welcome to the forum. This would come out to $62K/year that we are contributing to retirement accounts. Is this OK, or is there a limit on the total amount we can contribute? There are limits but you haven't hit them. If we are over the limit, then what should I not contribute to? Whicheve...
by Duckie
Wed Aug 26, 2015 7:35 pm
Forum: Investing - Help with Personal Investments
Topic: New to investing, where to start?
Replies: 6
Views: 386

Re: New to investing, where to start?

401k options are below, I'm currently in the bolded 2045 target fund. 0.84% is too high when you have cheaper options. The best choices are: SPTN 500 IDX (FXAIX) 0.03% SPTN MID CAP IDX (FSMDX) 0.12% SPTN SM CAP IDX (FSSNX) 0.15% SPTN INTL INDEX (FSPSX) 0.08% PIM TOTAL RT INST (PTTRX) 0.46% Roughly ...
by Duckie
Wed Aug 26, 2015 7:17 pm
Forum: Investing - Help with Personal Investments
Topic: Investing Advice for a novice
Replies: 12
Views: 1112

Re: Investing Advice for a novice

What should I do with dividends and capital gains in taxable and Traditional IRA/Roth IRA. In your IRAs set it up so dividends and gains are automatically reinvested. Since exchanging in tax-sheltered doesn't create a taxable event it's not an issue there. In taxable I guess it depends on your own ...
by Duckie
Tue Aug 25, 2015 7:20 pm
Forum: Investing - Help with Personal Investments
Topic: Are these included in MAGI calculation?
Replies: 2
Views: 298

Re: Are these included in MAGI calculation?

VartAndelay wrote:1. Federal tax refund
2. Roth IRA dividends
3. 401(k) dividends

I know these are tax-free or tax-deferred, but are they included in MAGI calculation for Roth IRA limits?

No, no, and no. But a state tax refund may be included.
by Duckie
Tue Aug 25, 2015 7:17 pm
Forum: Investing - Help with Personal Investments
Topic: Young Boglehead-Where to save for the long-term
Replies: 6
Views: 785

Re: Young Boglehead-Where to save for the long-term

nl202015 , welcome to the forum. I have also opened a Roth IRA using summer job money and it currently has about $1,800 sitting in it. I also have a check in my possession for about $4,000. How much will you earn in 2015 from summer jobs, etc? How much have you already contributed to your Roth IRA ...
by Duckie
Tue Aug 25, 2015 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: New to investing, where to start?
Replies: 6
Views: 386

Re: New to investing, where to start?

roamingnome , welcome to the forum. Age: 25 Desired Asset allocation: 401k- 80% stock/20% bonds -- Roth/Other- maybe 70-75% stock Desired International allocation: unsure An AA of 80/20 is reasonable for your age. For international I usually recommend 30% of stocks. That would break down to 56% US ...
by Duckie
Tue Aug 25, 2015 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: New to investments
Replies: 2
Views: 157

Re: New to investments

RUForeigner , welcome to the forum. How should I build by US portfolio? Ideally I am tempted to go 100% S&P500 index ETF with low expence rate - high return, low expence rate and so on. If you want a US portfolio then instead of 500 Index choose total market. ( VTI ) Vanguard Total Stock Market...
by Duckie
Sun Aug 23, 2015 6:50 pm
Forum: Investing - Help with Personal Investments
Topic: Self Employed Folks - How do you report 401k contributions?
Replies: 5
Views: 238

Re: Self Employed Folks - How do you report 401k contributions?

Let me ask, does one file a Form 5498, too? Since a 5498 is for IRAs it doesn't apply to a solo 401k plan. It does apply to SEP IRAs and SIMPLE IRAs. However, all 5498s are filed by the custodian, not the employer/employee. But what if these are Roth 401k contributions? Are these just not reported ...
by Duckie
Sun Aug 23, 2015 6:31 pm
Forum: Investing - Help with Personal Investments
Topic: Self Employed Folks - How do you report 401k contributions?
Replies: 5
Views: 238

Re: Self Employed Folks - How do you report 401k contributions?

401k contributions are usually reported in Box 12 of the W2 for those who get a W2. But for self-employed folks who don't get a W2, how do you report 401k contributions to the IRS? If you have a solo 401k then you report your deductible contributions on line 28 of Form 1040 (see here ). Keep your s...
by Duckie
Sun Aug 23, 2015 4:58 pm
Forum: Investing - Help with Personal Investments
Topic: Need Investment Advice Please
Replies: 7
Views: 637

Re: Need Investment Advice Please

larkspur , here are two possible portfolios, both with an AA of roughly 60% stocks, 40% bonds, and 30% of stocks in international. That breaks down to 42% US stocks, 18% international stocks, and 40% bonds. You could have: Portfolio #1 401k -- $90K -- 25% 25% ( SWPPX ) Schwab S&P 500 Index Fund...
by Duckie
Sat Aug 22, 2015 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: Need Investment Advice Please
Replies: 7
Views: 637

Re: Need Investment Advice Please

Do my current allocations make sense for reasonable diversification? You have way too many funds in your TIRA. You really only need: ( VTSAX ) Vanguard Total Stock Market Index Fund Admiral Shares (0.05%) ( VEXAX ) Vanguard Extended Market Index Fund Admiral Shares (0.10%) <-- 80% large caps (500 I...
by Duckie
Sat Aug 22, 2015 5:22 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA Portfolio Allocation?
Replies: 4
Views: 294

Re: Roth IRA Portfolio Allocation?

Riverotter . welcome to the forum. We are wondering if we should invest straight with Vanguard in a Roth IRA and if so what type of portfolio? Does anything that we have said above help determine which may be better for us personally? I would choose Vanguard as the custodian of the Roth IRAs. I wou...
by Duckie
Fri Aug 21, 2015 6:54 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Personal Performance
Replies: 1
Views: 272

Re: Vanguard Personal Performance

ali_qureshi , welcome to the forum. On the Vanguard Personal Performance page, does anyone know why Vanguard does not provide the Rate of Return for 2014 (or any other year). The rate of return is only provided 'Since inception' and for '1 year' (8/1/2014 to 8/20/2015). I don't know why they do it ...
by Duckie
Fri Aug 21, 2015 6:32 pm
Forum: Investing - Help with Personal Investments
Topic: Transamerica 403b
Replies: 5
Views: 322

Re: Transamerica 403b

daillest319 , welcome to the forum. I'm new to the site and and have no experience or idea where i should allocate my retirement money. I would really appreciate it if anyone can point me to the right direction to for the best stocks, bonds etc. The best options are: Vanguard Institutional Index In...
by Duckie
Fri Aug 21, 2015 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: TSP & Traditional IRAs: Are we balanced/diversified?
Replies: 6
Views: 488

Re: TSP & Traditional IRAs: Are we balanced/diversified?

Her total amount in retirement funds as of this morning is $11,942.84 Is this just her 401k or does it include her IRAs? The portfolio without her 401k has roughly: His TSP -- 91% Her TIRA -- 7% His Roth IRA -- 1% Her Roth IRA -- 1% If you add in her 401k what are the percentages? Or are her two IR...
by Duckie
Thu Aug 20, 2015 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: New To Investing... Need Help!
Replies: 5
Views: 440

Re: New To Investing... Need Help!

I'm comfortable with existing AA for other accounts, about 70/30 mix, and just wanted some feedback on AA and specific funds for this new account from more experienced ETFs investors. In a taxable account the best ETF options are: ( VTI ) Vanguard Total Stock Market ETF (0.05%) ( VXUS ) Vanguard To...
by Duckie
Thu Aug 20, 2015 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: *Updated* Can Use Some Help and Advice- New to BogleHeads
Replies: 35
Views: 3340

Re: *Updated* Can Use Some Help and Advice- New to BogleHeads

smokey joe robinson wrote:Anyways, based on the above number I intended to lay it out as follows and was wondering what you thought of that-

Your proposed portfolio will work very well. When you compare it to what you had, you should feel much more comfortable.
by Duckie
Wed Aug 19, 2015 10:37 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard funds in 401k
Replies: 3
Views: 296

Re: Vanguard funds in 401k

gonefishing01 , welcome to the forum. What would you do with these options? You have a desired AA of 85% stocks, 15% bonds, with unknown international. I'll pick 30% of stocks in international. That breaks down to 60% US stocks, 25% international stocks, and 15% bonds. If the 401k is your only reti...
by Duckie
Wed Aug 19, 2015 10:13 pm
Forum: Investing - Help with Personal Investments
Topic: TSP & Traditional IRAs: Are we balanced/diversified?
Replies: 6
Views: 488

Re: TSP & Traditional IRAs: Are we balanced/diversified?

She is offered a 401k and a ROTH 401k. The contributions are going into the non ROTH account. For most employees the pre-tax 401k is a better option than the Roth 401k. So when you wrote "$8k-$9k her IRA (no employer matched funds)" did you mean to her 401k instead of IRA? How much of the...
by Duckie
Wed Aug 19, 2015 9:30 pm
Forum: Investing - Help with Personal Investments
Topic: BAM Alliance
Replies: 17
Views: 1355

Re: BAM Alliance

If you remember from my other post, the CFP (who is also a CPA, who works with the CPA I chose for this year and beyond) is partnering with The BAM Alliance. I had never heard of it before and couldn't find anything online. Here's their website: The BAM ALLIANCE . I have no personal knowledge of th...
by Duckie
Wed Aug 19, 2015 9:10 pm
Forum: Investing - Help with Personal Investments
Topic: New To Investing... Need Help!
Replies: 5
Views: 440

Re: New To Investing... Need Help!

jib , welcome to the forum. I have 5,000.00 ready to go into EFTs at Vanguard, but I'm struggling to decide which funds to pick for my AA. <snip> We'll continue to max out our retirement accounts So the $5K will be in a taxable account, correct? What is the purpose of the account? Is it for retirem...
by Duckie
Wed Aug 19, 2015 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: TSP & Traditional IRAs: Are we balanced/diversified?
Replies: 6
Views: 488

Re: TSP & Traditional IRAs: Are we balanced/diversified?

hpy1 , welcome to the forum. Her Traditional IRA (7% of portfolio) 33% VBTLX 27% VTIAX 40% VTSAX Her Roth IRA (1% of portfolio) 33% VBTLX 27% VTIAX 40% VTSAX 7% of $163K is only $11,410 and 1% is only $1,630. How can you be in these funds, especially Admiral shares, with only those amounts? Are the...
by Duckie
Tue Aug 18, 2015 9:09 pm
Forum: Investing - Help with Personal Investments
Topic: Need 401k Advice
Replies: 9
Views: 510

Re: Need 401k Advice

I am new to investing and could use some help choosing what to invest in. The best options in the 401k plan are: Principal LargeCap S&P 500 Index Separate Account 0.06% Principal MidCap S&P 400 Index Separate Account 0.06% Principal SmallCap S&P 600 Index Separate Account 0.06% Vanguard...
by Duckie
Tue Aug 18, 2015 8:13 pm
Forum: Investing - Help with Personal Investments
Topic: Suggestions for picking 401k funds from a bad plan
Replies: 34
Views: 1622

Re: Suggestions for picking 401k funds from a bad plan

I was leaning toward Invesco but then I'll have to find some way to put in bonds and don't know where. Also, I am out of my tolerance band in bonds and about 3% less so will have to increase some way in bonds. You have 41% of your portfolio in His old 401k. You could use that account for all the bo...
by Duckie
Tue Aug 18, 2015 8:05 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review...Update August 2015
Replies: 4
Views: 465

Re: Portfolio Review...Update August 2015

CollegeBaseball wrote:Does my portfolio have any glaring weaknesses?

SWISX is not a total international fund. It's only developed markets and is missing emerging markets, small caps, and Canada. Whether or not that matters is up to you.
by Duckie
Tue Aug 18, 2015 5:57 pm
Forum: Investing - Help with Personal Investments
Topic: *Updated* Can Use Some Help and Advice- New to BogleHeads
Replies: 35
Views: 3340

Re: *Updated* Can Use Some Help and Advice- New to BogleHeads

I actually want to keep my Cash and CDs separate from this investment portfolio for the time being. I am unsure how that may affect your recommendations? After removing the CDs from the retirement portfolio you could have: His/Her/Joint Taxable at Vanguard -- 71% 47% ( VTSAX ) Vanguard Total Stock ...
by Duckie
Mon Aug 17, 2015 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: New Member and New to Investing
Replies: 6
Views: 506

Re: New Member and New to Investing

GrowingWealth , welcome to the forum. I do have a employee retirement account but I do not have any of my money invested through my employer account. What kind of employer plan is it (401k, 403b, 457b, SEP IRA, SIMPLE IRA)? What are the options? List the fund names, ticker symbols, and expense rati...
by Duckie
Mon Aug 17, 2015 6:20 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help
Replies: 5
Views: 537

Re: Portfolio Help

Any feedback on the following picks for the 457b? The best options are: SSGA S&P 500 IDX N (.03) BR US TOT BD IDX K (WFBIX) (.10) It's only 19% of the portfolio. You could put it all in bonds since your bond AA is 20%. Does it make sense to put all bonds, internation stock, and US value funds i...
by Duckie
Mon Aug 17, 2015 3:39 pm
Forum: Investing - Help with Personal Investments
Topic: *Updated* Can Use Some Help and Advice- New to BogleHeads
Replies: 35
Views: 3340

Re: *Updated* Can Use Some Help and Advice- New to BogleHeads

Please feel free to post suggestions and comments. I can use all the assistance I can get. You have a desired AA of 80% stocks, 20% bonds, with 30% of stocks in international. That breaks down to 56% US stocks, 24% international stocks, and 20% bonds. You could have: His/Her/Joint Taxable at Vangua...
by Duckie
Sun Aug 16, 2015 4:08 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Roth Qestion
Replies: 5
Views: 481

Re: 401k Roth Qestion

indexonlyplease wrote:What is better the 401k Roth or the 401k.

Here are two articles by tfb:
by Duckie
Sat Aug 15, 2015 6:20 pm
Forum: Investing - Help with Personal Investments
Topic: Creating a new 401k/PSP from scratch
Replies: 2
Views: 161

Re: Creating a new 401k/PSP from scratch

Recomendations for fund selection? I think you've made this too complicated. I'd just use: BALANCED FUNDS  Default Vanguard target date retirement funds DOMESTIC STOCK  Total Stock Market (VTSAX)  Extended Market (VEXAX) INTERNATIONAL STOCK  Total International Stock (VTIAX) BONDS  Total Bond ...
by Duckie
Sat Aug 15, 2015 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Roth Qestion
Replies: 5
Views: 481

Re: 401k Roth Qestion

indexonlyplease, have your cousin check to see if his plan allows for after-tax contributions (not the same as Roth). If it does and if it allows for periodic in-service withdrawals he could shelter a whole lot more money. See Mega Backdoor Roth IRA.
by Duckie
Sat Aug 15, 2015 5:52 pm
Forum: Investing - Help with Personal Investments
Topic: Please Critique my Portfolio
Replies: 7
Views: 658

Re: Please Critique my Portfolio

lkt102 , welcome to the forum. Is 100% in equities too aggressive for someone my age? I think everyone should have at least 20% bonds. Bonds aren't just about returns. They're about diversification, cushioning the fall, and having dry powder (money for rebalancing). Am I missing anything important ...
by Duckie
Sat Aug 15, 2015 5:39 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Funds - Retirement Account Strategies
Replies: 5
Views: 868

Re: Bond Funds - Retirement Account Strategies

Strategically, would it make more sense for bond funds to be in the tax-deferred accounts or tax-free accounts? In general it's better to have assets with higher growth potential (stocks) in Roth accounts and bonds in traditional accounts. However, the expense ratios of the available employer optio...
by Duckie
Sat Aug 15, 2015 5:12 pm
Forum: Investing - Help with Personal Investments
Topic: Orphaned 401k Rollover
Replies: 11
Views: 871

Re: Orphaned 401k Rollover

adam61 , your old 401k plan is good. The best options are: ( FXAIX ) Spartan 500 Index Fund Advantage Institutional Class (0.025%) ( N/A ) BTC Russell 2500 Index Fund M Class (0.04%) ( N/A ) BTC ACWI ex-US IMI Index Fund M Class (0.11%) ( N/A ) BTC US Debt Index Fund M Class (0.04%) or one of the B...
by Duckie
Fri Aug 14, 2015 6:11 pm
Forum: Investing - Help with Personal Investments
Topic: Orphaned 401k Rollover
Replies: 11
Views: 871

Re: Orphaned 401k Rollover

I have 3 choices... 1) Keep it at Fidelity (The old company's 401k Manager) Maybe. What are the options? List the fund names, ticker symbols, and expense ratios . 2) Rollover to New Company (Smaller and less options, but still some decent index options and would keep number of accounts down) Maybe,...
by Duckie
Fri Aug 14, 2015 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: 403(b) Vendors and New Teaching Job
Replies: 14
Views: 947

Re: 403(b) Vendors and New Teaching Job

MNGopher wrote:That's good information otterpops, although I can't get the link to the RothIRA article to work.

Here's the unbroken link: 403(b) and/or Roth IRA?
by Duckie
Thu Aug 13, 2015 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: General question on 401(k) rollover
Replies: 8
Views: 507

Re: General question on 401(k) rollover

Will need to look into whether I can do a backdoor contribution directly from my "old" 401(k) as, if so, that seems like an excellent option. You do not make a backdoor contribution from a 401k, new or old. You make it from your taxable checking account. "Backdoor" just means yo...
by Duckie
Thu Aug 13, 2015 7:27 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with my Rollover IRA to avoid pro-rata rule
Replies: 6
Views: 673

Re: What to do with my Rollover IRA to avoid pro-rata rule

I chose the Vanguard Total Bond Market Index Fund Institutional (ER 0.07, Management Fee 0.04, Misc Fee 0.02) and Vanguard Institutional Index Fund Institutional Shares (ER 0.04, Management Fee 0.04, Misc Fee 0). Those are good funds. You could also add Vanguard Mid-Cap Index (0.08%) and Small-Cap ...
by Duckie
Thu Aug 13, 2015 5:34 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review: Updated!
Replies: 8
Views: 1028

Re: Portfolio Review: Updated!

I'm leaning towards moving to JNL/Mellon Capital S&P 500 Index (0.56%), JNL/Mellon Capital International Index (0.62%), and JNL/Mellon Capital Bond Index (0.58%) to match our asset allocation. Those three funds plus the mid cap index and small cap index are the best options in the annuity. The ...
by Duckie
Wed Aug 12, 2015 5:10 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review: Updated!
Replies: 8
Views: 1028

Re: Portfolio Review: Updated!

I think my approach may be to just review the 40 US Equity options available and stick everything in the lowest cost fund, then use the other accounts at Fidelity to balance to my asset allocation (given the vastly superior web interface and ease of use). I also realize I have a typo in one of my E...
by Duckie
Tue Aug 11, 2015 11:12 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth IRA question
Replies: 1
Views: 234

Re: Backdoor Roth IRA question

Am I understanding the steps right? This sounds about right. Here's my cheat sheet: ⋅ Open a Traditional IRA and a Roth IRA at the same custodian. . ⋅ Make your contribution to the TIRA. This will be a non-deductible contribution, but the IRA custodian doesn't need that informat...
by Duckie
Tue Aug 11, 2015 10:34 pm
Forum: Investing - Help with Personal Investments
Topic: Ready to Make an Investment Plan - Any Help Appreciated!
Replies: 2
Views: 304

Re: Ready to Make an Investment Plan - Any Help Appreciated!

misstinaclaire , welcome to the forum. How should I divide our holdings among the various tax-advantaged and taxable accounts to achieve maximum tax efficiency? If this account is for retirement move the bonds out of taxable. You'd also be better off with Total Stock Market instead of the 500 Index...
by Duckie
Tue Aug 11, 2015 9:58 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review: Updated!
Replies: 8
Views: 1028

Re: Portfolio Review: Updated!

Let’s start with that mid-cap index fund, FSCKX : if it’s essentially covered by the total market fund, I think it just adds complexity and a higher ER. Granted, not a lot of complexity, but perhaps still unnecessary. Exchange FSCKX for FSTVX to consolidate? Yes. Plus FSSVX in included in FSTVX so ...
by Duckie
Tue Aug 11, 2015 9:20 pm
Forum: Investing - Help with Personal Investments
Topic: International Funds
Replies: 2
Views: 333

Re: International Funds

toaler , welcome to the forum. Vanguard seem to have various international ETF but none have a 5 year track record like PRIDX or SCX. What is others opinion about good international ETF's If you want a small-cap foreign ETF then consider VSS . If you want a total market foreign ETF consider VXUS . ...
by Duckie
Tue Aug 11, 2015 8:58 pm
Forum: Investing - Help with Personal Investments
Topic: Hi everyone! New investor here looking for advice
Replies: 2
Views: 297

Re: Hi everyone! New investor here looking for advice

cjo395 , welcome to the forum. I went with the LifeStrategy Growth fund <snip> Is this a good fund? Should I consider something else? This is a good fund to start with. Here's my question: should I keep investing in the Roth IRA and put the remainder of my savings into a down payment for a house? S...
by Duckie
Mon Aug 10, 2015 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: For the bogleheads either retired or close to retiring
Replies: 29
Views: 3859

Re: For the bogleheads either retired or close to retiring

How well have you done for retirement? How much did you save per year to get to where you think you are comfortable? Did you sacrifice much? I retired in 2006 at age 50. I never made more than $75K a year. I saved the maximum in employer plans and IRAs for about the last 15 working years. I also sa...
by Duckie
Sun Aug 09, 2015 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: Three Fund Portfolio Question
Replies: 11
Views: 1120

Re: Three Fund Portfolio Question

I have set the asset allocation goal at 40% stocks, 60% bonds due to my advanced age. Considering these parameters I would appreciate advice as to what percentage you would recommend regarding funding the stock portion. What % for Total Stock Market and what % for Total International Stock Market? ...
by Duckie
Sat Aug 08, 2015 10:13 pm
Forum: Investing - Help with Personal Investments
Topic: Rates of returns and should I choose different funds for my 401k?
Replies: 8
Views: 481

Re: Rates of returns and should I choose different funds for my 401k?

I have a 401k with great west retirement funds through my employer. I have to put 5% in to get the full match which is 2.5%. I'm currently putting in 6%. I have considered upping it but not sure if it would be better to increase my IRA contributions instead? Considering the expense ratios in the 40...
by Duckie
Sat Aug 08, 2015 8:12 pm
Forum: Investing - Help with Personal Investments
Topic: Help with where to put new savings
Replies: 12
Views: 1503

Re: Help with where to put new savings

Aimful , welcome to the forum. The assets in the 529 plan are not for your retirement. They are not part of the portfolio. So you have: Taxable -- $3K -- 10% Mass Mutual DCP -- $9K -- 30% Roth IRA -- $18K -- 60% What are the options in the Mass Mutual DCP? List fund names, ticker symbols, expense r...

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