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Re: Making Changes to Roth IRA and 403b - Portfolio Review

Phew - just called Vanguard and made the switch! In the end, I decided to go with VASGX Vanguard LifeStrategy Growth Fund (expense ratio 0.17%) since it has almost the exact asset allocation I had proposed for in the VTSMX, VGTSX, and VBMFX. But with the LifeStrategy, Vanguard uses those three funds...
by KatieSSS
Fri May 03, 2013 1:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Making Changes to Roth IRA and 403b - Portfolio Review
Replies: 38
Views: 1327

Re: Making Changes to Roth IRA and 403b - Portfolio Review

This is just getting annoying. I'm frankly not interested in sitting down and having a conversation with him because I feel like he really isn't interested in my investment strategy. Time to call Vanguard and have them initiate the switch. Time to call Vanguard. You don't have to talk to this "...
by KatieSSS
Fri May 03, 2013 11:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Making Changes to Roth IRA and 403b - Portfolio Review
Replies: 38
Views: 1327

Re: Making Changes to Roth IRA and 403b - Portfolio Review

I got the following in an email from my Wells Fargo broker this morning: "You can change the current fund over to the same Vanguard funds you mentioned or any Vanguard fund for that matter and keep the current account. A transfer is not necessary to accomplish owning the Vanguard funds and the ...
by KatieSSS
Fri May 03, 2013 9:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Making Changes to Roth IRA and 403b - Portfolio Review
Replies: 38
Views: 1327

Re: Making Changes to Roth IRA and 403b - Portfolio Review

In your first post, you said you wanted to switch from WF to Vanguard. I took that to mean you meant moving the Roth IRA to Vanguard. Apparently, you meant using Vanguard mutual funds at Wells Fargo? That's OK under 1 condition - you don't pay any transaction fees. With the WF PMA deal, you get fre...
by KatieSSS
Thu May 02, 2013 5:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Making Changes to Roth IRA and 403b - Portfolio Review
Replies: 38
Views: 1327

Re: Making Changes to Roth IRA and 403b - Portfolio Review

I'd also bump up your emergency fund. Two months' worth is a bit on the light side. When the time comes that you open a Roth, it can double to some extent as an emergency emergency fund, so to speak, in that you can withdraw your contributions (not earnings.) But you can not go back and replace the...
by KatieSSS
Thu May 02, 2013 3:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Making Changes to Roth IRA and 403b - Portfolio Review
Replies: 38
Views: 1327

Re: Making Changes to Roth IRA and 403b - Portfolio Review

retiredjg wrote:That will certainly work and you should only have to mess with the 403b. The Roth IRA can be put on the back burner. Good luck!


Great! Thank you all for the great advice and guidance! Now on to put the plan in motion... :)
by KatieSSS
Thu May 02, 2013 2:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Making Changes to Roth IRA and 403b - Portfolio Review
Replies: 38
Views: 1327

Re: Making Changes to Roth IRA and 403b - Portfolio Review

Thanks for the feedback. I think I have a pretty good asset allocation now, and I'll review it every year to rebalance. I'll probably pay closer attention the first year and review every few months to make sure that I'm on my ratio targets (55% US Stock, 20% Intl, 25% Bonds) with only contributing t...
by KatieSSS
Thu May 02, 2013 12:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Making Changes to Roth IRA and 403b - Portfolio Review
Replies: 38
Views: 1327

Re: Making Changes to Roth IRA and 403b - Portfolio Review

Actually your plan would work if you just increase your bond allocation in your Roth. Or as retired jg suggested add a low cost bond fund in your 403b. I would suggest exploring a couple of other options on the bond side. Does your 403b have a stable value fund available or a TIPs fund? I think div...
by KatieSSS
Thu May 02, 2013 10:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Making Changes to Roth IRA and 403b - Portfolio Review
Replies: 38
Views: 1327

Re: Making Changes to Roth IRA and 403b - Portfolio Review

It's a good idea, but it won't work. That's because there are no bonds in the 403b (which is where all the new contributions are going). If you add a bond fund to the 403b, it should work fine. Or you could leave the bond fund out of the 403b and continually adjust the Roth IRA to increase bonds th...
by KatieSSS
Wed May 01, 2013 5:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Making Changes to Roth IRA and 403b - Portfolio Review
Replies: 38
Views: 1327

Re: Making Changes to Roth IRA and 403b - Portfolio Review

Thanks, HouseBlend, those are good suggestions. Also, Bob's not my name: I've run the numbers and totally get what you are saying now. If I go up from 6% of my salary to 10% in my 403b contributions, that takes care of the $1,800 I have been investing in the Roth IRA, thus saving me taxes right now....
by KatieSSS
Wed May 01, 2013 3:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Making Changes to Roth IRA and 403b - Portfolio Review
Replies: 38
Views: 1327

Re: Making Changes to Roth IRA and 403b - Portfolio Review

It is heartening that the discussion is more on whether I should be investing in a Roth or TIRA than the poor choices I have chosen for my switches to Fidelity and Vanguard! Which must mean I've picked good funds! Any other suggestions in the asset allocation and choices of funds I have listed? For ...
by KatieSSS
Wed May 01, 2013 10:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Making Changes to Roth IRA and 403b - Portfolio Review
Replies: 38
Views: 1327

Re: Making Changes to Roth IRA and 403b - Portfolio Review

Where are you getting that I'm paying $900 in taxes on a $1,800 contribution to the Roth? A 50% tax on Roth contributions? 50% if you use the wrong denominator. 900/2700 = 33% You can shelter $2,700 in your 403b or you can pay $900 in taxes and shelter $1,800 in your Roth IRA. You are voluntarily p...
by KatieSSS
Wed May 01, 2013 10:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Making Changes to Roth IRA and 403b - Portfolio Review
Replies: 38
Views: 1327

Re: Making Changes to Roth IRA and 403b - Portfolio Review

Not Bob - $1,800 after-tax * marginal tax rate = $2,400 plus give or take of pre-tax dollars. If you contribute to a TIRA or 403b plan instead you get the benefit of paying a reduced tax rate - every dollar contributed pre-tax will save you about 33.5 cents. Every dollar contributed to ROTH today w...
by KatieSSS
Wed May 01, 2013 9:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Making Changes to Roth IRA and 403b - Portfolio Review
Replies: 38
Views: 1327

Re: Making Changes to Roth IRA and 403b - Portfolio Review

That puts you about $4,000 into the 25% bracket (you must be about the same with respect to the DC 8.5% bracket, but I did not look at that closely). Since your marginal rate is 33.5% and presumably you'll retire to a lower tax state (which means almost any of them), I suggest skipping the Roth and...
by KatieSSS
Wed May 01, 2013 9:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Making Changes to Roth IRA and 403b - Portfolio Review
Replies: 38
Views: 1327

Re: Making Changes to Roth IRA and 403b - Portfolio Review

My only comment relates to your choice for International stock within Fidelity. Do you have access to the Fidelity Spartan Global Ex-US fund? The symbol is FSGUX (Investor Class) for balances less than $10K. The expense ratio is 0.22% with fee waivers - on par with Vanguards's Global Ex-US fund. Th...
by KatieSSS
Wed May 01, 2013 9:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Making Changes to Roth IRA and 403b - Portfolio Review
Replies: 38
Views: 1327

Making Changes to Roth IRA and 403b - Portfolio Review

My first post here, but I've been lurking for about the last year! Thanks in advance for reviewing my portfolio. Emergency funds: Yes, 2 months of expenses Debt: $13,500 at 3.5% IR - student loan Gross Income: $45,000 from full-time job, $10,000 from part-time job Tax Filing Status: Single Tax Rate:...
by KatieSSS
Tue Apr 30, 2013 11:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Making Changes to Roth IRA and 403b - Portfolio Review
Replies: 38
Views: 1327

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