Bogleheads.org

31 M , single , high risk tolerance , looking for guidance on a well diversified asset allocation for 401k. Current Aggregate Bond Index Fund - 1.5 % Large Cap Stock Index Fund - 47.5% Small-Mid Cap Stock Index Fund - 34.5% International ACWI-Ex-US Index Fund - 18.5% This current blend has returned ...

00000

Thinking of starting a taxable account and purchasing 10-15k of VTSAX. Wondering about dividends and the tax implications, is this something I need to concern myself with each year or only during years where I sell the fund? Is it adventageous to buy in 2012 or wait for 2013? Any additional insight?...

I understand that there is no risk to losing money however theoretically if the $ was kept in a savings account there would have been some interest earned that is not realized . Any input as to the forecast on the potential for deflation ?

Thank you for the explanation , I think that is a good idea and I plan on moving 10K for 2012 and 10K for 2013. The only risk I see with this is if the semiannunal inflation rate drops to 0% and my bonds do not earn anything for 8 months of 2013.
Any thoughts on this?

I see that the current I-Bond rate is not much higher than my ING interest rate however iBond rates are more than double your ING rate, and grow tax-deferred. If I were you I would pick up $10k in iBonds for 2012, then another $10k in January for 2013. This would serve as my emergency fund after th...

1. I am signed up for my company HSA in 2013 , I am going to set aside 1,100 plus my company will contribute $500. The 2013 max is 3,250.00 , would contributing an addtional 2,150.00 be advantageous? 2. No debt , living below my means, educating myself on how to do this most in the most efficient ma...

I have a strategy in place for 2013 to contribute the maximum allowable contributions for 401k as well as Roth IRA. This will leave me with 45K in cash sitting in an ING savings account earning .75% interest. Also automatic payroll savings will bring in an additional 7,000.00 throughout the year to ...

Thank you for all of the feedback. I have a question regarding I Bonds. One poster mentioned the tax advantages of these , I am not sure I follow, how are these tax advantaged if they are subject to 25% tax rate ? Also , if I max my 401K and cease investing into a cash or taxable more fluid account ...

Current snap shot 31 - single , no children Income 59K Renter 401k- contribute 13% with a company match of 5% , Current balance - 47,000.00 - breakdown 50% US stock index , 15% international index , 30% smallmid cap index , 5% bond index , all mgmt fees waived and paid by my company on these index f...