Bogleheads.org

I put "don't know, don't care." I very well could be wrong, but I've told myself as long as I'm at or below the 25% tax bracket, I'll contribute to a Roth IRA. Once I reach the 28% bracket, I'll contribute to a Traditional IRA. Unless I can be absolutely convinced this is wrong, I'll stay...

With the average amount Americans save for retirement, Do you think the Roth is in the long run is worse for the average persons retirement?Before the site went down, I asked question about how much it would take in traditional to pay zero tax.It was over 500k (with no other income) for couple. How ...

Thanks for all the work the moderators and founders have put into this site.It is a gold mine of information for the average investor
John

Do you have 401 with a stable value fund? This may work for you
John

Most of those pretty colored boxes have positive return numbers because rates have been falling over that time period. How will you feel about the pretty little boxes when all of the return numbers have minus signs in front of them? I wish I had the pretty colored boxes with the return numbers for ...

Pick AA that you can live with and stay the course
John

You know what they (say)about past performance. I use to think bonds should be diversified, like stocks, but since I came on this site I believe there for stability. I mostly hold stable value and savings bonds, I don't have a bond index fund in my 401.I still hold 5% in an income fund in Roth, for ...

Investment firm
http://en.m.wikipedia.org/wiki/Investment_company
Brokerage firm
http://en.m.wikipedia.org/wiki/Brokerage_firm
How to start investment firm
http://www.ehow.com/how_4865445_startin ... mpany.html
John

Sidney wrote:annuities

+1 especially as mortality credits kick in
John

Who backs the annuity, it is a little over guarantee association limit
John

Save to you have have $1000, then try a vanguard retirement fund https://personal.vanguard.com/us/funds/vanguard/TargetRetirementList#targetAnchor For best answer http://www.bogleheads.org/forum/viewtopic.php?t=6212 Welcome to forum John Edit are you sure you want Roth instead of traditional or 401 ...

We recently had a post
viewtopic.php?f=11&t=115736&newpost=1684792
John

I would not want Wellesley in taxable, if rates rise, do you want all that taxable income..Put bonds in your retirement account or use savings bonds and municipal bonds. If your wanting bonds in taxable for safety, try this link http://www.bogleheads.org/wiki/Placing_Cash_Needs_in_a_Tax-Advantaged_A...

I also agree a vanguard retirement fund would be best .Investing enough to get company match is the best move.No matter how much you make you should save, even if it is just 5% to get 401 match. 5% would only be about 3% of her check because no tax is paid on 401 contributions.Saving when your young...

I have a good sum of cash (about 50k) that I'm looking to invest. I currently have a Roth IRA invested in the Wellington fund through Vanguard, and I have a 401k through JP Morgan that's invested about 75/25 stocks to bonds with a good overall expense ratio of about .22. I have maxed out the Roth t...

It is best to think of all retirement money as one account, does she have 401k? Following this format will get best answer http://www.bogleheads.org/forum/viewtopic.php?t=6212 A Roth isn't always the best route, sometimes traditional ira is better http://www.bogleheads.org/wiki/Traditional_versus_Ro...

Response to John- Withdrawal rate of what? We are living comfortably on guaranteed income and are not withdrawing from the portfolios. "What AA ARE you comfortable with?" Until I know what is an appropriate % of bonds for a person in my situation, I will be uncomfortable. Philo For the an...

If you compare them they look practically the same: PIMCO Total Return Total Bond Market Most of the numbers are identical. Choose the cheaper option. I have John Hancock, they don't believe in cheap. My Pimco is 1.5% and I have index retirement funds (similar to vanguard)) at 1.3%.I would consider...

Will you still be working part time earning 35k at 62?
John

What is your age?
What AA are you comfortable with?
Asking portfolio question link
viewtopic.php?t=6212
John

If you move back to U.S., Wellesley is not tax efficient, it produces to much taxable income.I would consider selling it or not buying any more (including dividend) .For your goal, I would search for highest paying CDs.
John

With your amount your saving you may not even need 70% stocks.Your AA should allow you to be comfortable with the risk your taking. Not that anyone would not want as high a portfolio as possible, but if you have enough for your goal nothing beats passing the sleep at night test for your portfolio
John

How much percentage wise is your withdraw rate?
How much gain in taxable funds?
What AA ARE you comfortable with?
Welcome to forum
John

Sorry. Ignore my imprecise adjectives. What I meant to say is that bonds would lose value if the interest rates rise. (They have to rise - they cannot go much lower.) The 4% "Cash" is in a fixed account in my 403b variable annuity with I**. Since it will be nearly 15 years or more until I...

What is your stable value paying?
What is exspence ratio of pimco total return?
Would also be best to know bond index exspence ratio, when you know it.If your paying high exspence ratios on bond funds the stable value fund may be a good choice
John

Thank you for the excellent information. I am in excellent health, female, and have investment assets in the low 7 figures with 150k in mortgage ... No other debt. I do not plan to leave a large estate and want to live life fully, though with financial prudence, in retirement. I will be retiring fu...

Four questions,that have big impact on taking ss early
Are you healthy?
Has your family lived to an old age?
Are you still going to work?
Do you need money?
John

What is everyone's favorite stock and bond indexes for a long term investment. I just turned all my rothIRA brokerage mutual funds to cash and I'm thinking of going vanguard total stock market, vanguard total international and vanguard total bond market. You should think of all retirement money as ...

For best advice follow this links format
viewtopic.php?t=6212
Yes , you should own fixed income. We can tell you what kind, when we have more information
John

If 80% stocks is to aggressive, definitely go lower.But the first thing I would do would figure is my "number", how much a year I will save and what returns I need to make it.Here is a simple retirement calculator https://www3.mutualofomaha.com/web-calc/retirement/solve Then figure how muc...

Buy cash do you mean CDs, stable value and I bonds?
John

From what I understand, tax is due when the bonds mature in 30 years. Not sure if Treasury will automatically notify you when they mature though. I have a friend that is an advisor who had a client with matured bonds (I believe EE) that were expired over 25 years- when penalties were calculated for...

Buy the teacher a book,
http://www.amazon.com/gp/product/047045 ... 0470455578
If it would clear your conscience
John

BobStrauss wrote:[OT investing suggestion removed by admin LadyGeek]

Why
John

halfnine wrote:For where to start...compare the plans on ehealthinsurance.com. Sorts out all the plans available for your state.

If kid has little or no income next year the only place to get government subsidies is healthcare exchange
John

You owe tax when they mature and they will sell them for you automatically if electronic (if I understand correctly)
John

Just a couple thoughts Open ira bhttp://www.bogleheads.org/wiki/IRA I bonds (US savings bonds) http://www.treasurydirect.gov/indiv/research/indepth/ibonds/res_ibonds.htm Vanguard tax managed balanced (one fund solution? ) https://personal.vanguard.com/us/funds/snapshot?FundId=0103&FundIntExt=INT...

jay22 wrote:I really find is surprising that so many people here continue to hold active funds and still preach about the Boglehead philosophy.

Ther are ten parts, if we follow nine this is still a passing grade
John

It's 1.0%. We hold a total of 5 funds. The expense ratios are 0.72%, 0.51%, 0.15%, 0.10% and 0.05%. Between 401(k)'s we can't control, Roth IRA's, Rollover IRA's, taxable accounts - multiplied for me and spouse - 0.20% and 0.50% are pipe dreams for us (and I'd bet most). That said, our weighted exp...

Turn off the noise, it may cloud your judgment.
John

Try this post on vanguard commission
viewtopic.php?f=1&t=115710&newpost=1684863
John

As mentioned a SPIA would allow her to spend more wilth out worrying about outliving her money, here is one link
http://www.immediateannuities.com/
She could get 7%, at 100k that's $600, then she could but the rest in something like Wellesley, retirement income, CDs or short term bond fund

At this point I would focus on savings rate and your career, they will have bigest influence on your retirement savings
John

100 % stocks, no, try this post what you learned from last crash
viewtopic.php?f=1&t=116031
John

Dupidsk8ter wrote:Do I have to wait X amount of time to switch over to a vanguard?

No, just call vanguard. They will help you
John

New post for OP
viewtopic.php?f=1&t=116166&newpost=1691601
John

Welcome to forum,
How much income does she need from 150000?
Taxable or ira?
Were is money now?
John

At this point I would put it all in one retirement fund in each account. Just pick the amount of stocks you want and use TSP L FUND and a vanguard retirement fund for ira.
Vanguard 2025
L 2030
John

Next year , as mentioned, you can use healthcare exchange

http://laborcenter.berkeley.edu/healthp ... ndex.shtml
John

Welcome to forum, Its a little confusing if you don't post this way http://www.bogleheads.org/forum/viewtopic.php?t=6212 What exspence ratio is the cornerstone fund, from what I looked up it seems have very high exspence ratio and like it is risky Try 3 fund portfolio http://www.bogleheads.org/wiki/...