Search found 4723 matches

Return to advanced search

Re: 401K ; moving into a no loss / no gain

I'm not sure what your asking but,
My 401 has no fees for trades
Gain/loss doesn't matter
30 day before I can transfer back in(but can buy with new contributions)


Welcome to forum
John
by Johm221122
Fri Sep 19, 2014 9:30 am
 
Forum: Investing - Help with Personal Investments
Topic: 401K ; moving into a no loss / no gain
Replies: 5
Views: 363

Re: Roth IRA v. 401(k)

If you don't max Roth put emergency fund there
http://www.bogleheads.org/wiki/Roth_IRA ... gency_fund

John
by Johm221122
Fri Sep 19, 2014 9:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA v. 401(k)
Replies: 6
Views: 479

Re: Help: Inlaw's extra cash

I would just keep in FDIC accounts(cd or high yield savings account ) , to find best rates try Bankrate.com

John
by Johm221122
Thu Sep 18, 2014 8:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help: Inlaw's extra cash
Replies: 8
Views: 489

Re: What's in your tax advantage accounts?

I don't make any distinction between pre-tax (401k) and post-tax (Roth) accounts, as I'm not that sophisticated. I am not sophisticated enough either. But are there some funds better to be placed in the Roth and some better in 401k? would you (or someone) be able to share some examples of this dist...
by Johm221122
Thu Sep 18, 2014 8:53 am
 
Forum: Investing - Theory, News & General
Topic: What's in your tax advantage accounts?
Replies: 40
Views: 2165

Re: Roth help

Welcome to forum Paying load is not needed http://www.bogleheads.org/blog/bogleheads-principles-keep-costs-low/ You can avoid sales commissions by avoiding broker sold load funds.  You can invest in a no-load mutual fund  directly from a no-load  investment management company. Are you sure Roth is r...
by Johm221122
Wed Sep 17, 2014 8:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth help
Replies: 14
Views: 558

Re: Sanity check - restructure my taxable account?

With less than 2 years cash or cash like investments are the only options I would use.Cd's, savings Accounts and such A high yield savings account seems best .
John
by Johm221122
Wed Sep 17, 2014 5:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Sanity check - restructure my taxable account?
Replies: 1
Views: 283

Re: Where do I put my cash now?

OP says I am very well diversified across stocks and bonds including international investments. So it's unclear how much this unallocated cash is compared to his existing investments, but I'll guess maybe 10% to 20%? Regardless, it would have been good to continue contributions to your portfolio on...
by Johm221122
Wed Sep 17, 2014 5:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Where do I put my cash now?
Replies: 23
Views: 2473

Re: Where do I put my cash now?

Bogleheads philosophy http://www.bogleheads.org/wiki/Bogleheads%C2%AE_investment_philosophy In summary, a Bogleheads investor tends to (1) save a lot, (2) select an asset allocation containing both stock and bond asset classes, (3) buy low cost, widely diversified funds, (4) allocate funds tax-effic...
by Johm221122
Wed Sep 17, 2014 12:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Where do I put my cash now?
Replies: 23
Views: 2473

Re: Any success stories of ppl who never made >$50,000?

Made 25k to40k a year last 15 years and at 300k.Saved close to 30% of income plus fair company match.Have 15 years to go and would feel lucky to be at a millon.

John
by Johm221122
Tue Sep 16, 2014 11:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any success stories of ppl who never made >$50,000?
Replies: 149
Views: 9605

Re: The Three Fund Portfolio

I may have missed this in the 18 pages of this great thread, but where do t-bills fit into the 3-fund portfolio? Is it covered in TBM treasuries? I remember reading over and over in Bogle on Mutual Funds that they are an essential asset class. Have you seen the WIKI http://www.bogleheads.org/wiki/T...
by Johm221122
Tue Sep 16, 2014 11:39 am
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 893
Views: 351209

Re: The Three Fund Portfolio

I may have missed this in the 18 pages of this great thread, but where do t-bills fit into the 3-fund portfolio? Is it covered in TBM treasuries? I remember reading over and over in Bogle on Mutual Funds that they are an essential asset class. Have you seen the WIKI http://www.bogleheads.org/wiki/T...
by Johm221122
Tue Sep 16, 2014 1:03 am
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 893
Views: 351209

Re: Dave Ramsey: The Legacy Journey

There is no need for Dave, you have Bogleheads
http://www.bogleheads.org/wiki/Getting_started

John
by Johm221122
Mon Sep 15, 2014 10:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey: The Legacy Journey
Replies: 21
Views: 2996

Re: Long term care insurance

Try search feature(top right)
Lots of posts
John
by Johm221122
Mon Sep 15, 2014 2:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance
Replies: 2
Views: 344

Re: What's in your tax advantage accounts?

This may help OP
One portfolio one goal
http://www.kevinoninvesting.com/2012/04 ... o.html?m=1

Pick best funds in work place plan
Pick tax efficient funds for taxable
Pick funds in ira
John
by Johm221122
Mon Sep 15, 2014 11:54 am
 
Forum: Investing - Theory, News & General
Topic: What's in your tax advantage accounts?
Replies: 40
Views: 2165

Re: how to use I-Bonds as an Emergency Fund?

About 15 years ago I considered savings bonds as emergency fund.As time went by I consider my whole portfolio my emergency fund fund.I just learned this recently

http://thefinancebuff.com/your-traditio ... -fund.html

John
by Johm221122
Mon Sep 15, 2014 8:58 am
 
Forum: Investing - Help with Personal Investments
Topic: how to use I-Bonds as an Emergency Fund?
Replies: 9
Views: 1178

Re: Two Fund real Lazy Portfolio?

"150 portfolios better than yours"
viewtopic.php?f=10&t=131471

John
by Johm221122
Fri Sep 12, 2014 1:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Two Fund real Lazy Portfolio?
Replies: 28
Views: 3261

Re: How well do you understand retirement finance?

Single and SS at 70 :moneybag unless health problems :!:
But know every thing, no way
John
by Johm221122
Thu Sep 11, 2014 2:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: How well do you understand SS and tax-deferral issues?
Replies: 16
Views: 853

Re: investment plan help

meaning, if 2 years I am planning on buying a house, and will be putting away money into a money market account and CDs (when NFCU has good rates like the current 5%) is it recommended to only do those safe things? or would it be acceptable to put some of the money I want to use towards a down paym...
by Johm221122
Thu Sep 11, 2014 9:25 am
 
Forum: Investing - Help with Personal Investments
Topic: investment plan help
Replies: 13
Views: 634

Re: Vangaurd STAR

Thanks for the great advice Jim. I don't think I'll ever be making that much, but I'm prepared to live a modest lifestyle with a heavy emphasis on saving and investing. The best thing I can say about my finances right now is that I've completely paid off my student loan, have no credit card debt, a...
by Johm221122
Wed Sep 10, 2014 10:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vangaurd STAR
Replies: 31
Views: 1916

Re: Vangaurd STAR

CluelessInvestor wrote:
Johm221122 wrote:You can invest 5.5k in star in a Roth.A Roth is a wrapper that holds investments.
http://www.bogleheads.org/wiki/Roth_IRA

John


Excellent. Good to know.

Try getting started here:
http://www.bogleheads.org/wiki/Getting_started

John
by Johm221122
Wed Sep 10, 2014 1:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vangaurd STAR
Replies: 31
Views: 1916

Re: Vangaurd STAR

You can invest 5.5k in star in a Roth.A Roth is a wrapper that holds investments.
http://www.bogleheads.org/wiki/Roth_IRA

John
by Johm221122
Wed Sep 10, 2014 1:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vangaurd STAR
Replies: 31
Views: 1916

Re: Vangaurd STAR

If you invest the bare minimum of 1,000 dollars, what can you hopefully expect to get in return? About $5 per month? That hardly seems worth it. A kid could make that by opening up a lemonade stand. How can you make the most of this novice investment? Welcome to forum , You could always save more t...
by Johm221122
Wed Sep 10, 2014 1:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vangaurd STAR
Replies: 31
Views: 1916

Re: $15,000 to invest and generate income

Welcome to forum
What kind of income do you need?
A cd is great for 15 month time period, but will not generate much income

John
by Johm221122
Wed Sep 10, 2014 1:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: $15,000 to invest and generate income
Replies: 8
Views: 1288

Re: $1000 to Invest - Need Help!

Do you have work place retirement plan (401)?

John
by Johm221122
Wed Sep 10, 2014 11:42 am
 
Forum: Investing - Help with Personal Investments
Topic: $1000 to Invest - Need Help!
Replies: 17
Views: 1138

Re: AT&T Stable Value Fund

I don't think I would make it a replacement per set, but it should be a good choice. I personally am considering splitting the bond portion of my portfolio into thirds for diversification: TBM, Stable Value and TIPs fund. The benefit of TBM is the negative correlation, is, flight to quality in a do...
by Johm221122
Wed Sep 10, 2014 4:42 am
 
Forum: Investing - Help with Personal Investments
Topic: AT&T Stable Value Fund
Replies: 7
Views: 809

Re: pimco total return

At my spouse's old 401(k) she had it invested 100% in Pimco total return with an expense ratio of about 1.9%. It was the lowest expense ratio fund available in the plan. In an effort to save on the fees, she borrowed the maximum from her 401(k) and invested it in a bond fund in a 529 plan. Terrible...
by Johm221122
Tue Sep 09, 2014 1:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: pimco total return
Replies: 7
Views: 534

Re: pimco total return

ogd wrote:I would definitely not use it at that ER. Even at the more customary 0.7% it would be a hard sell.

That Stable Value account is good and what I would use in your situation.

This is my take

Thank you
John
by Johm221122
Tue Sep 09, 2014 1:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: pimco total return
Replies: 7
Views: 534

Re: pimco total return

Pimco total return 1.49
Stable value paying 1.61
High yield (don't want)
by Johm221122
Tue Sep 09, 2014 1:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: pimco total return
Replies: 7
Views: 534

pimco total return

At what exspence ratio would you not consider it in a 401.Total bond is not an option and only other option is stable value yielding 1.61%

Pimco costs 1.49
John
by Johm221122
Tue Sep 09, 2014 1:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: pimco total return
Replies: 7
Views: 534

Re: IRA or emergency fund

Roth as emergency fund http://www.bogleheads.org/wiki/Roth_IRA_as_an_emergency_fund Keep emergency fund in Roth John Thanks John. I've read other posts on here that mention it should be kept in a safe investment. As the wiki page states: Since emergency funds should be stable and not volatile, you ...
by Johm221122
Tue Sep 09, 2014 9:08 am
 
Forum: Investing - Theory, News & General
Topic: IRA or emergency fund
Replies: 6
Views: 399

Re: Giftcards

Re gift them

John
by Johm221122
Tue Sep 09, 2014 9:05 am
 
Forum: Personal Consumer Issues
Topic: Giftcards
Replies: 14
Views: 1207

Re: Potentially Silly Question

401?spouse(spousal ira)?
If not you can either break out 3 funds separate instead of one fund or consider I bonds(can make retirement fund a little for aggressive if wanted)

Welcome to forum
John
by Johm221122
Tue Sep 09, 2014 9:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Potentially Silly Question [basic portfolio advice]
Replies: 6
Views: 402

Re: IRA or emergency fund

Roth as emergency fund
http://www.bogleheads.org/wiki/Roth_IRA ... gency_fund


Keep emergency fund in Roth
John
by Johm221122
Tue Sep 09, 2014 8:31 am
 
Forum: Investing - Theory, News & General
Topic: IRA or emergency fund
Replies: 6
Views: 399

Re: question about lazy portfolios --- total newb

Welcome to forum,
The first question is,what is available in work place retirement plan?This dictates a lot about portfolio

Second how much taxable investing Will you do?

Before you pick portfolio you need to see what makes sense
John
by Johm221122
Tue Sep 09, 2014 7:03 am
 
Forum: Investing - Help with Personal Investments
Topic: question about lazy portfolios --- total newb
Replies: 3
Views: 439

Re: roth ira funds help

Thanks bl, I have only read I will teach you to be rich, but plan on reading the four pillars of investing soon. What wiki's do you recommend? And thanks beth, I suppose that's true, but it is easier to buy etfs I think, because there's no minimum,( besides of course the cost of 1) and a mutual fun...
by Johm221122
Mon Sep 08, 2014 10:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: roth ira funds help
Replies: 19
Views: 738

Re: roth ira funds help

etf vs mutual fund, you may not need brokerage account
http://www.bogleheads.org/wiki/ETFs_vs_mutual_funds

The 500 index is already included in Total stock market fund.

You may be interested in WIKI recommended books
http://www.bogleheads.org/wiki/Books:_r ... nd_reviews

John
by Johm221122
Mon Sep 08, 2014 9:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: roth ira funds help
Replies: 19
Views: 738

Re: What investments for IRA account?

With so much in taxable it will not make much difference.The important part is picking an AA for your whole portfolio.I hope your retirement at 62 means your still maximizing your social security benefit
John
by Johm221122
Mon Sep 08, 2014 9:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: What investments for IRA account?
Replies: 2
Views: 234

Re: roth ira funds help

USNQX isn't exactly what we recommended
http://www.bogleheads.org/wiki/Three-fund_portfolio

John
by Johm221122
Mon Sep 08, 2014 1:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: roth ira funds help
Replies: 19
Views: 738

Re: roth ira funds help

msprotege wrote:I have a roth IRA from USAA, I am not considering a regular IRA

I am considering opening an addiontional Roth IRA from Vanguard with those 2 funds, Vanguard Total Stock Market Index Fund Investor Shares (VTSMX)
, Target Retirement 2060 VTTSX

401?

John
by Johm221122
Mon Sep 08, 2014 12:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: roth ira funds help
Replies: 19
Views: 738

Re: roth ira funds help

Welcome to forum,
401?
roth vs traditional
http://www.bogleheads.org/wiki/Traditional_versus_Roth

Mixing retirement fund is not necessary, it would make great one fund portfolio

John
by Johm221122
Mon Sep 08, 2014 12:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: roth ira funds help
Replies: 19
Views: 738

Re: Roth IRA Question

we can help you , after reading above links
Roth as emergency fund
http://www.bogleheads.org/wiki/Roth_IRA ... gency_fund

Savers credit
viewtopic.php?f=10&t=107032

Roth vs traditional
http://www.bogleheads.org/wiki/Traditional_versus_Roth

John
by Johm221122
Sun Sep 07, 2014 9:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA Question
Replies: 6
Views: 573

Re: 50-50 Wellesley-Wellington or Total Bond-Total Stock

Your picking two actively managed funds by past performance :?: John Yes both have been 'lucky' for many years and with many different managers. Wellington been around since 1929 and Wellesley since mid 1970's. Yes Wellington did under go a change back in the 70's or so. Pretty hard to argue with t...
by Johm221122
Sun Sep 07, 2014 8:35 am
 
Forum: Investing - Theory, News & General
Topic: 50-50 Wellesley-Wellington or Total Bond-Total Stock
Replies: 68
Views: 5374

Re: Best use of tax-deferred space

You may want to look at EE bonds


John
by Johm221122
Sat Sep 06, 2014 9:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best use of tax-deferred space
Replies: 14
Views: 1377

Re: Question: How to Design an Aggressive 2 Year Portfolio?

A trip to your local casino is exactly what fits your plan
John
by Johm221122
Sat Sep 06, 2014 8:03 pm
 
Forum: Investing - Theory, News & General
Topic: Question: How to Design an Aggressive 2 Year Portfolio?
Replies: 30
Views: 1242

Re: Long Term Care Insurance

Use search feature and you will find lots of good posts
http://www.google.com/search?sitesearch ... +insurance
John
by Johm221122
Fri Sep 05, 2014 9:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Insurance
Replies: 4
Views: 623

Re: 50-50 Wellesley-Wellington or Total Bond-Total Stock

Your picking two actively managed funds by past performance :?:
John
by Johm221122
Fri Sep 05, 2014 9:07 pm
 
Forum: Investing - Theory, News & General
Topic: 50-50 Wellesley-Wellington or Total Bond-Total Stock
Replies: 68
Views: 5374
Next

Return to advanced search