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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: 6
Views: 522

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: 384

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: 914

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: 625

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: 625

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: 818

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: 352

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: 818

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: 682

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: 682

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: 458

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: 818

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: 1461

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: 348

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: 3892

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: 369

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: 3186

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: 483

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: 4629

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: 9146

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: 2612

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: 5856

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: 1369

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: 2612

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: 7322

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: 801

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: 2612

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: 2612

Re: cash reserves

Dear Bogleheads, I know that market timing is a fool's game, however, with the market being so volatile at this time, do you recommend transferring a certain % of portfolio into Cash? Thank you. Tom28 I think your AA should be examined, so you would not have to worry about the market.Pick AA that l...
by Johm221122
Sat Aug 09, 2014 9:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: cash reserves
Replies: 19
Views: 1830

Re: Need for International Investing ?

I would stay the course with current plan and keep your current international allocation.It's funny I just read this post before yours http://www.bogleheads.org/forum/viewtopic.php?f=10&t=144482&newpost=2150404 http://www.bogleheads.org/wiki/Bogleheads%C2%AE_investment_philosophy this is per...
by Johm221122
Sat Aug 09, 2014 9:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need for International Investing ?
Replies: 49
Views: 2612

Re: New 401K implementation

I have no knowledge, but have you tried search
http://www.google.com/search?sitesearch ... 1+provider
John
by Johm221122
Fri Aug 08, 2014 7:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: New 401K implementation
Replies: 5
Views: 484

Re: Question re- EE Bonds

Should you cash them in? Do you need money or have better safe investment for fixed income?

What are considerations? Taxes, better fixed income options and 30 year final maturity

Where can they be cashed? Bank, credit union or treasury direct.com

John
by Johm221122
Thu Aug 07, 2014 8:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question re- EE Bonds
Replies: 18
Views: 1629

Re: Is 401k worth it? No matching, high fees.

Thank you all for the advice. Yes, I am maxing out my Roth IRA. I'm so glad you looked that up, John . The way I see it, OP would need to work at that employer for 57 years to maybe do better with a taxable account. Definitely use your employer plan! I like the VASGX idea. Something I failed to men...
by Johm221122
Thu Aug 07, 2014 8:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Is 401k worth it? No matching, high fees.
Replies: 12
Views: 1383

Re: Who or what inspired you and your investing approach?

In order
Grandparents (work ethic)

Older roommate from long ago (taught me there was away to invest besides a bank)

Local library (I literally read every book)

Internet (search and searched)

Bogleheads (brought everything together and taught me to search when something new comes up)


John
by Johm221122
Wed Aug 06, 2014 9:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Who or what inspired you and your investing approach?
Replies: 93
Views: 4303

Re: Is 401k worth it? No matching, high fees.

What's your tax bracket? Your investable income? Since there's no employer match, you can get the same tax benefits by maximizing a traditional IRA first. Or, if your tax bracket is low now, maximize a Roth IRA. Then add the semi-crummy 401(k) on top. OP So I am wondering if the tax advantages outw...
by Johm221122
Wed Aug 06, 2014 4:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Is 401k worth it? No matching, high fees.
Replies: 12
Views: 1383

Re: Bonds in taxable account?

Keep short term needs seperate
Less than 10years stocks are risky
Cd's , municipal bonds, I bonds
For some one to tell you best fixed income in taxable provide amount and tax rate

John
by Johm221122
Wed Aug 06, 2014 2:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Bonds in taxable account?
Replies: 24
Views: 2877

Re: Is 401k worth it? No matching, high fees.

http://www.bogleheads.org/forum/viewtopic.php?f=1&t=143160&p=2127248&hilit=+rule+of+thumb#p2127248 Grabiner wrote this post My rule of thumb is to multiply the extra expenses by the years you will be with the employer, and consider taxable investing instead only if the product exceeds 30...
by Johm221122
Wed Aug 06, 2014 2:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Is 401k worth it? No matching, high fees.
Replies: 12
Views: 1383

Re: When is a 3.75% load worth it?

Risk http://www.bogleheads.org/wiki/Risk_and_return:_an_introduction Unsystematic risk: the measure of risk associated with a particular security; also known as diversifiable risk. This risk can be mitigated by holding a diversified portfolio of many different stocks in many different industries. [1...
by Johm221122
Wed Aug 06, 2014 1:32 am
 
Forum: Investing - Theory, News & General
Topic: When is a 3.75% load worth it?
Replies: 79
Views: 5260

Re: When is a 3.75% load worth it?

Tamales wrote The mantra around here of stay the course...guess what that course is based on? Past performance. What other course are you staying? The one that you think/hope it will repeat! There is a difference between the risk of a individual fund or security and market risk. Yes we all by stocks...
by Johm221122
Wed Aug 06, 2014 1:18 am
 
Forum: Investing - Theory, News & General
Topic: When is a 3.75% load worth it?
Replies: 79
Views: 5260

Re: When is a 3.75% load worth it?

Past performance does not guarantee......
Looking back is easy

viewtopic.php?f=10&t=118072
John
by Johm221122
Wed Aug 06, 2014 12:12 am
 
Forum: Investing - Theory, News & General
Topic: When is a 3.75% load worth it?
Replies: 79
Views: 5260

Re: Do you consider your Roth as part of your EF?

Roth roll over ira uote="TheRightKost87"]One question I have for the other posters; If you contribute/withdraw in the same year, do you lose that space or can it be replaced? Say I fully fund my Roth IRA in January 2014, and then withdraw all of the 2014 contribution ($5500) in July. Can I...
by Johm221122
Tue Aug 05, 2014 11:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you consider your Roth as part of your EF?
Replies: 30
Views: 1813

Re: Do you consider your Roth as part of your EF?

I consider my whole portfolio my EF

I just had a light bulb go off in my head when Bob's not my name wrote this
http://thefinancebuff.com/your-traditio ... -fund.html

John
by Johm221122
Tue Aug 05, 2014 9:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you consider your Roth as part of your EF?
Replies: 30
Views: 1813

Re: Riding the Rails--my Amtrak trip

OP
[retired a year ago, and in spite of having a celebratory party, I'm beginning to realize that this 30 day cross-country trip by rail may symbolize the freedom that retirement has given me.

The freedom too be retired(or financially independent) is going to make saving worth it :beer
John
by Johm221122
Tue Aug 05, 2014 8:51 am
 
Forum: Personal Consumer Issues
Topic: Riding the Rails--my Amtrak trip
Replies: 78
Views: 9146
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