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Re: 401K's after Retirement

For all practical purposes I'm functionaly retired.. Question is should I continue re-investing dividends into my regular 401K account or start moving into just a mutual fund. I want to simplify my holdings but I dont want to get killed for taxes and Capital gains. We don't really need the money to...
by Johm221122
Tue Sep 02, 2014 10:32 am
 
Forum: Investing - Help with Personal Investments
Topic: 401K's after Retirement
Replies: 4
Views: 441

Re: What Movie Have You [Recently] Watched?

Just watched "Reasonable doubt"
It was good, Samuel Jackson is usually a good bet

John
by Johm221122
Tue Sep 02, 2014 12:01 am
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 65
Views: 2373

Re: Only one international fund in 401K. Use it??

If you have no other account to hold international in, i'd just skip it

John
by Johm221122
Mon Sep 01, 2014 11:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Only one international fund in 401K. Use it??
Replies: 4
Views: 287

Re: How do you invest in 401k?

I use my two best choices S&P 500 index and stable value

John
by Johm221122
Mon Sep 01, 2014 10:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: How do you invest in 401k?
Replies: 8
Views: 535

Re: 2 Piece Retirement Portfolio

John and Bertilak, I agree that this plan contains a floor and an upside strategy that aims for maximum returns. Starbux has the ability to take that much risk, but he doesn't have the need, which is always the case for those who have ability. If the plan flops he may miss out on doing things he'd ...
by Johm221122
Mon Sep 01, 2014 12:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: 2 Piece Retirement Portfolio
Replies: 18
Views: 1081

Re: 2 Piece Retirement Portfolio

This May give an example http://www.bogleheads.org/forum/viewtopic.php?t=102609&f=10 SScritic The portfolio is split into two buckets. The long term bucket is the 4% bucket. The short term bucket is the 8 year bucket. It goes to zero in 8 years, so I guess it is the 12.5% bucket. When social sec...
by Johm221122
Mon Sep 01, 2014 11:51 am
 
Forum: Investing - Help with Personal Investments
Topic: 2 Piece Retirement Portfolio
Replies: 18
Views: 1081

Re: 2 Piece Retirement Portfolio

I'm tending to support dbr's comments for another reason--I don't understand going 70-80% stock for money desired in 10 years. I realize this money actually isn't needed, but it is desired for pleasure, so why take the risk of not having it when you want it. Paul Very aggressive, yes, but many post...
by Johm221122
Mon Sep 01, 2014 11:33 am
 
Forum: Investing - Help with Personal Investments
Topic: 2 Piece Retirement Portfolio
Replies: 18
Views: 1081

Re: Bonds for young(er) people

Are all these choices in your 401? Do you have a 401? John I have TBM available in my 401k, but currently I am doing 100% Target Age Fund in my 401k. Then in my Roth(s) and Taxable I am doing TSM and another bond (hence this thread). Since I am already getting some TBM in my Target Fund, maybe I'll...
by Johm221122
Mon Sep 01, 2014 10:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Bonds for young(er) people
Replies: 10
Views: 826

Re: Bonds for young(er) people

Are all these choices in your 401? Do you have a 401?

John
by Johm221122
Mon Sep 01, 2014 10:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Bonds for young(er) people
Replies: 10
Views: 826

Re: How to balance portforlio and utilize tax benefits?

Hello! I am new to this website and have only been investing with Vanguard for about a year now. I've been trying to balance my portfolio but realize that all my Roth IRA is REIT and Bonds and my taxable is Stocks making rebalancing difficult. I have about $35k in the Vanguard MMF. So, I think buyi...
by Johm221122
Mon Sep 01, 2014 9:45 am
 
Forum: Investing - Help with Personal Investments
Topic: How to balance portforlio and utilize tax benefits?
Replies: 5
Views: 317

Re: 2 Piece Retirement Portfolio

I think your on right track.

I'm thinking for me one portfolio for before SS money and the other portfolio my 4%( :?: ) SWR money


John
by Johm221122
Mon Sep 01, 2014 9:29 am
 
Forum: Investing - Help with Personal Investments
Topic: 2 Piece Retirement Portfolio
Replies: 18
Views: 1081

Re: 457 options...none too good?

Any provider with a low cost index fund and reasonable fixed income choice will do.Use ira,403b and taxable for the rest of your funds


John
by Johm221122
Sun Aug 31, 2014 9:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: 457 options...none too good?
Replies: 5
Views: 395

Re: Vanguard Extended Duration Treasury ETF (EDV). Thoughts

I was thinking of buying a hundred shares of Vanguard Extended Duration Treasury ETF (EDV) ( http://finance.yahoo.com/q?s=edv&ql=1 )and holding it. I like the 3% divvy as well as the potential growth. It's done pretty well over the past few years. Any idea on how to guestimate how it will perfo...
by Johm221122
Fri Aug 29, 2014 8:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Extended Duration Treasury ETF (EDV). Thoughts?
Replies: 8
Views: 861

Re: Annuities a Mistake?

Putting all your money into an annuity at 63 is risky because of inflation.As mentioned your sisters budget should be examined.

John
by Johm221122
Fri Aug 29, 2014 8:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Annuities a Mistake?
Replies: 3
Views: 556

Re: Saving for a house down payment in 5-7 years...

I bonds are a great idea, as long as the one year holding period is accounted for.You'll loose some of the yield of I bonds held less than five years. As far as the possible loss of bond fund, the longer the maturity and lower the credit rating the more the possible loss. I just don't see the gain o...
by Johm221122
Wed Aug 27, 2014 5:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Saving for a house down payment in 5-7 years...
Replies: 13
Views: 922

Re: Roth conversion from traditional IRA

Thanks for posting the Wiki. I understand that if you convert to a Roth, you pay taxes when you file for the year. I think that I will be in a lower tax bracket when I retire, but how can you determine this 20 years ahead of time? The money to pay the taxes for a Roth conversion is just sitting in ...
by Johm221122
Tue Aug 26, 2014 10:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth conversion from traditional IRA
Replies: 9
Views: 635

Re: Roth conversion from traditional IRA


From WIKI



. The gain or benefit depends on your current marginal tax rate, your expected marginal tax rate in retirement, and how you would otherwise invest the funds that you use to pay the taxes.



John
by Johm221122
Tue Aug 26, 2014 9:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth conversion from traditional IRA
Replies: 9
Views: 635

Re: Help with 401(a) choices for a new investor

chiseller wrote:Will do. They are sending me a packet of information.. I'll look closer into the details. It was hard to find much on the website.

There should be a fact sheet

John
by Johm221122
Tue Aug 26, 2014 8:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with 401(a) choices for a new investor
Replies: 18
Views: 825

Re: Using dollar amount caps

Could you not put both in written plan .I would use an inflation adjusted formula.I would not use either if I had a withdrawal rate of 3% or less.

John
by Johm221122
Tue Aug 26, 2014 7:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Using dollar amount caps
Replies: 2
Views: 354

Re: Help with 401(a) choices for a new investor

chiseller wrote:Thanks for the reply John.

So you would be happy with VALIC as your plan provider?

Very happy

John
by Johm221122
Tue Aug 26, 2014 7:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with 401(a) choices for a new investor
Replies: 18
Views: 825

Re: Taxes on Roth conversion at retirement

http://www.bogleheads.org/wiki/Roth_IRA_conversion Roth conversion Roth IRA conversions are permitted by US tax regulations. If you have a Traditional IRA, you can convert part or all the account to a Roth IRA. You pay taxes as if you withdrew the entire amount converted, but without any penalty for...
by Johm221122
Tue Aug 26, 2014 6:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Taxes on Roth conversion at retirement
Replies: 15
Views: 688

Re: Taxes on Roth conversion at retirement

llessac15 wrote:The conversion amount would be considered taxable income as well? Even though you're not doing anything with it but moving it to a Roth IRA? So if you convert a $3 million 401k to a Roth, that $3 million is considered your income for that year and you would have to pay the top tax rates on it?

Yes
by Johm221122
Tue Aug 26, 2014 6:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Taxes on Roth conversion at retirement
Replies: 15
Views: 688

Re: 403b excessive fees?

To find out what fees your really paying compare returns against Vanguard web site .Always read material from your plan it should be there .I compare the return of my 500 index against the return of the index and it's always exactly less than what the stated fees are

John
by Johm221122
Tue Aug 26, 2014 6:25 am
 
Forum: Investing - Help with Personal Investments
Topic: 403b excessive fees?
Replies: 4
Views: 461

Re: Help with 401(a) choices for a new investor

Welcome to forum,
I'd be happy with Vanguard target retirement funds .You have other fine choices with Vanguard that can be used later to make good portfolio

John
by Johm221122
Tue Aug 26, 2014 6:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with 401(a) choices for a new investor
Replies: 18
Views: 825

Re: My Wife's 401k is expensive.

Is there a stable value fund? Maybe you could use that for the largest part, I use a S&P index at. 8 and a stable value fund.


John
by Johm221122
Tue Aug 26, 2014 5:30 am
 
Forum: Investing - Help with Personal Investments
Topic: My Wife's 401k is expensive.
Replies: 23
Views: 1466

Re: Choice for IRA

One goal one portfolio http://www.kevinoninvesting.com/2012/04/one-goal-one-portfolio.html?m=1 Making investment decisions in isolation, by account, is one common mistake. A related mistake is to focus too much on the performance of individual investments rather than the overall portfolio. The prima...
by Johm221122
Tue Aug 26, 2014 1:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Choice for IRA
Replies: 4
Views: 351

Re: International allocation

25% of equity


John
by Johm221122
Sun Aug 24, 2014 8:57 am
 
Forum: Investing - Theory, News & General
Topic: International allocation
Replies: 73
Views: 4132

Re: Bond Allocation - 27 y/o

I think your overthinking it.As you said 2% will make no difference.Use total bond market or best choice in 401

John
by Johm221122
Tue Aug 19, 2014 11:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond Allocation - 27 y/o
Replies: 4
Views: 372

Re: Vanguard Index vs American Funds?

I would not compare those funds with S&P 500 index but with Total Market indexes.That being said why do you need to look at seven funds if you want to invest in large dividend paying US stocks.Have you read the WIKI
http://www.bogleheads.org/wiki/Three-fund_portfolio


John
by Johm221122
Sat Aug 16, 2014 7:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Index vs American Funds?
Replies: 33
Views: 3207

Re: Hello and Help!

Welcome to forum
Bogleheads philosophy
http://www.bogleheads.org/wiki/Boglehea ... philosophy


John
by Johm221122
Fri Aug 15, 2014 7:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hello and Help!
Replies: 5
Views: 486

Re: Robin Williams

Thank you for reopening this thread. I can count on one hand the times I have cried over the loss of a celebrity. Robin Williams joins that short list. He was one in a million. I loved him in Good Morning Vietnam, watched it again a few weeks ago. And of course The Birdcage, The World According to ...
by Johm221122
Tue Aug 12, 2014 10:34 pm
 
Forum: Personal Consumer Issues
Topic: Robin Williams
Replies: 42
Views: 4630

Re: Riding the Rails--my Amtrak trip

It was intresting, thanks for sharing :sharebeer


John
by Johm221122
Tue Aug 12, 2014 11:55 am
 
Forum: Personal Consumer Issues
Topic: Riding the Rails--my Amtrak trip
Replies: 78
Views: 9185

Re: Roth IRA Allocations - New Bogleheads Member

What AA do you want?

Pick best funds in employer plans
Choose tax efficient funds in taxable(if any)
Choose ira funds


To get better answer we need tax rate, employer options and more
Asking portfolio question
viewtopic.php?t=6212

Welcome to forum,
John
by Johm221122
Tue Aug 12, 2014 1:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA Allocations - New Bogleheads Member
Replies: 2
Views: 352

Re: Need for International Investing ?

We are arguing about whether the very best seats for a movie are in the precise center of the row, or whether there are advantages to being on the aisle that outweigh the advantages of being in the precise mathematical center. Everyone agrees that you can see the movie from any seat in the theatre....
by Johm221122
Tue Aug 12, 2014 12:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Need for International Investing ?
Replies: 49
Views: 2628

Re: Vanguard: "Social Security: How to decide when it's time

Thanks for sharing, a great reference for any one.For me being single it's a no brainer if I stay healthy


John
by Johm221122
Mon Aug 11, 2014 10:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard:"Social Security: How to decide when it's time."
Replies: 82
Views: 5885

Re: What's an acceptable stable value fund rate?

A big factor is the exspence ratio of the vanguard bond index :?: the higher the exspence ratio the more likely I would choose the stable value fund

John
by Johm221122
Mon Aug 11, 2014 10:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: What's an acceptable stable value fund rate?
Replies: 18
Views: 1370

Re: Need for International Investing ?

I am a beginner/intermediate investor. My main source of investing now is Ben Graham. I read his book and try to go with what he suggests. I looked again and I could not find any mention of international investing. I am thinking of reducing and holding 10% in an international index fund. Why :?: John
by Johm221122
Mon Aug 11, 2014 9:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Need for International Investing ?
Replies: 49
Views: 2628

Re: Most Hated Brokerage Firm? [or one that you love]

Any firm that tries to sell you a whole life policy (unless you have a very specific need)
In my case Ameriprise.Fortunately, I did not buy it.As a person with no dependents, it was a obvious ploy to sell me something unneeded.

John
by Johm221122
Sun Aug 10, 2014 9:32 pm
 
Forum: Investing - Theory, News & General
Topic: Most Hated Brokerage Firm? [or one that you love]
Replies: 74
Views: 7371

Re: is the S&P actively managed?

Thank you, very investing information.I never realized that the S&P 500 index was not truly a passive index funds.

John
by Johm221122
Sun Aug 10, 2014 8:37 pm
 
Forum: Investing - Theory, News & General
Topic: is the S&P actively managed?
Replies: 10
Views: 1290

Re: 100% Total Stock Market in Roth Account?

Pick your desired AA

Then first pick best funds in employer retirement accounts ( limited choices )

Second pick taxable investments if any

Third pick ira funds because they are the most flexible


John
by Johm221122
Sun Aug 10, 2014 7:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: 100% Total Stock Market in Roth Account?
Replies: 7
Views: 803

Re: Need for International Investing ?

John, Appreciate your comment re would of/could of/should of. As a retiree I have gone through two big stock market swings since 2002 and have "stayed the course" and "slept well" with my 50/50 asset allocation and it diversifications in the past twelve years. Very fortunately t...
by Johm221122
Sat Aug 09, 2014 9:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need for International Investing ?
Replies: 49
Views: 2628

Re: Need for International Investing ?

This is a question that frequently gets tossed around on the boards, often with the implication of a false zero sum choice. After all, I don't think anyone here will argue that US stocks (or more accurately, US based stocks) will fail[i] [/i] over the long term, it's just that many make a good case...
by Johm221122
Sat Aug 09, 2014 9:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need for International Investing ?
Replies: 49
Views: 2628
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