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Re: When to rebalance

Please let me give an example to make sure I understand all of this correctly- I may be using the wrong word when I say "rebalancing." Every two weeks I invest my entire pay. I invest according to the proportions I am trying to achieve. I am trying to maintain 47% Total Stock, 13% Total In...
by Pondo33
Mon Mar 17, 2014 10:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: When to rebalance
Replies: 19
Views: 1627

Re: When to rebalance

Do you see any downside to rebalancing with every monthly investment to maintain my desired AA?
by Pondo33
Sun Mar 16, 2014 8:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: When to rebalance
Replies: 19
Views: 1627

When to rebalance

I have a three fund portfolio. Every paycheck I receive I divide and invest in accordance with my desired asset allocation. For example, if I have X to invest, I invest 40 percent in bonds, 47 percent in total stock market and 13 percent in an international fund. However, over time, as the market mo...
by Pondo33
Sat Mar 15, 2014 11:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: When to rebalance
Replies: 19
Views: 1627

Re: Backdoor Roth

I think I understand this... (maybe) If I do a backdoor to a Roth, I will pay tax on all the gains across every IRA? Not just the amount I backdoor ($11,000)? If that's true, what is the advantage of contributing to my IRA? If I do not get a tax deduction, and I still pay tax on it later, how is th...
by Pondo33
Sat Jan 25, 2014 11:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth
Replies: 8
Views: 1189

Re: Backdoor Roth

I think I understand this... (maybe) If I do a backdoor to a Roth, I will pay tax on all the gains across every IRA? Not just the amount I backdoor ($11,000)? If that's true, what is the advantage of contributing to my IRA? If I do not get a tax deduction, and I still pay tax on it later, how is thi...
by Pondo33
Fri Jan 24, 2014 1:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth
Replies: 8
Views: 1189

Backdoor Roth

In 2013 my wife and I contributed the maximum $5,500 (each) to our traditional IRAs. However, our modified adjusted gross income is going to be too high (over $188,000- married, filing jointly) to qualify for a Roth contribution. In addition, because our modified adjusted gross income (married, fili...
by Pondo33
Thu Jan 23, 2014 12:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth
Replies: 8
Views: 1189

Re: 27 years old - Attempt to pay off mortgage early???

I was in a similar position and paid off my house early. I did it through a combination of tactics, but one of the things that helped most was switching to a 15 year mortgage. I looked at how much went to interest on a 30 year versus a 15 year- it was a no brainer, saved us a lot of money and really...
by Pondo33
Thu Aug 22, 2013 9:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: 27 years old - Attempt to pay off mortgage early???
Replies: 21
Views: 2720

Re: 3 fund portfolio through John Hancock

Is your wife's 401 the only investments you two have as a couple? If not, your 3 fund portfolio should comprise all of your investments , not just what's in her 401K. Then you can pick & choose what's best (or least worst) in your wife's 401K options to comprise 1 piece of your overall portfoli...
by Pondo33
Mon Aug 05, 2013 10:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: 3 fund portfolio through John Hancock
Replies: 4
Views: 562

3 fund portfolio through John Hancock

Hello all, My wife and I are trying to set up our investments in a 401(k) through John Hancock. I am attempting to set up a reasonable 3 fund portfolio, but the investment options are not good. I have discovered that JH is really expensive and I don't like the investment options. But, I think we wou...
by Pondo33
Mon Jul 29, 2013 10:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: 3 fund portfolio through John Hancock
Replies: 4
Views: 562

Re: Bond Fund Question- how long to hold

Thanks, everyone. All of your answers have helped me sort through this. I originally set my asset allocation at 60/40 stocks/bonds. However, with all the bond issues right now, I started thinking that I could maintain that allocation, but further reduce my risk by splitting my bond investments betwe...
by Pondo33
Sun Jul 21, 2013 11:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond Fund Question- how long to hold
Replies: 7
Views: 992

Re: Bond Fund Question- how long to hold

Thanks for the reply. That is helpful information. I don't plan to need the money for a long time. I was considering buying both the Vanguard short term tax exempt bond fund and the intermediate term tax exempt bond fund to hold in my taxable account (tax advantaged account is full for the year). I ...
by Pondo33
Fri Jul 19, 2013 7:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond Fund Question- how long to hold
Replies: 7
Views: 992

Bond Fund Question- how long to hold

I am looking at investing in short and intermediate term bond funds. However, I am not totally clear on the duration. I understand that owning a specific bond, one should hold it to term to ensure repayment of the principle. However, I am a little confused about how to determine how long to hold a b...
by Pondo33
Thu Jul 18, 2013 10:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond Fund Question- how long to hold
Replies: 7
Views: 992

Re: Portfolio Review

Do you plan on making periodic investments into those taxable accounts? Upon reaching $10K in the Total Stk Market Index, you can convert to Admiral status and lower your er's even more. Yes- that was exactly my plan. Once I open the account I will continue to add every month. I think I will be abl...
by Pondo33
Wed Jul 03, 2013 9:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 4
Views: 366

Re: Portfolio Review

Can you explain the selection of the funds you currently have in the retirement accounts and your proposed taxable accounts. Also, please include information about current year retirement contributions. Sure- sorry if I didn't include sufficient information. I am brand new to all of this and am sti...
by Pondo33
Wed Jul 03, 2013 8:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 4
Views: 366

Portfolio Review

Our stats: Me: 40 Her: 36 Married Filing Jointly - last year: 28% federal, 5% state (Illinois) (However, my wife did not work the first six months of this year, so our income will be down for 2013 as compared to last year. It will likely be about $190k this year). Desired Asset Allocation - 60% stoc...
by Pondo33
Tue Jul 02, 2013 10:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 4
Views: 366

Re: Tax Efficient Taxable Account Options

28% federal, 5% state (Illinois) Income for 2013 (estimated) $190k It appears your wife is contributing to a traditional IRA but is covered by an employer plan, so her contributions would be non-deductible. Is that right, or did you leave out Roth IRA's? You, on the other hand, since you're not cov...
by Pondo33
Mon Jul 01, 2013 2:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax Efficient Taxable Account Options
Replies: 3
Views: 546

Tax Efficient Taxable Account Options

My wife and I just made our $11,000 contribution to our IRAs and she will be contributing the maximum allowable to her 401k. I do not have have a 401k available. Since we cannot contribute anymore to retirement accounts, we want to open a taxable account in which we can invest. Of course, I want an ...
by Pondo33
Mon Jul 01, 2013 12:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Tax Efficient Taxable Account Options
Replies: 3
Views: 546

Re: Roth vs. Traditional for me

My wife and I are having a debate. For the taxable year 2013, we may fall under the threshold joint adjusted gross income ($178,000-$188,000 for 2013) to be able to deduct the amount we put into our traditional IRAs or even to contribute directly to a Roth without having to backdoor into the Roth. I...
by Pondo33
Mon Jun 24, 2013 11:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth vs. Traditional for me
Replies: 8
Views: 656

Re: Roth vs. Traditional for me

You haven't given much to go on. Age? Other opportunities? Years to retirement? Other investments? Maybe they all don't matter though. I don't see why you cannot do traditional plus put the taxes you would pay if you did a Roth into an investment account. I don't understand the difference between (...
by Pondo33
Sun Jun 16, 2013 10:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth vs. Traditional for me
Replies: 8
Views: 656

Roth vs. Traditional for me

I am trying to figure out whether I should contribute to a Roth or Traditional IRA. I know the rule of thumb is that if you're in a high tax bracket today than you expect to be in the future, you should consider a traditional ira because at some point in the future you will be taxed at a lower rate ...
by Pondo33
Sun Jun 16, 2013 10:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth vs. Traditional for me
Replies: 8
Views: 656

Re: Brand New to Investing- Lost

I have an update based on what I have learned in the foregoing posts. First, and most importantly, I have done what was required to move the 401K money from John Hancock to a Vanguard IRA. Once there I will put it all in VSMGX. As recommended, I am going to leave $50k in my emergency fund. That emer...
by Pondo33
Thu Jun 06, 2013 11:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Brand New to Investing- Lost
Replies: 37
Views: 3304

Re: Brand New to Investing- Lost

I've been gone a little while because I was out of town. However, I've been reading the responses, which are very helpful. Here are my thoughts based on what I've read: 1). First, I really like the Vanguard LifeStrategy Moderate Growth Fund. It is simple and matches my desired allocation. I've also ...
by Pondo33
Mon May 27, 2013 6:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Brand New to Investing- Lost
Replies: 37
Views: 3304

Re: Brand New to Investing- Lost

Okay, so I am beginning to understand some things better based on what I have read so far. However, I am becoming more confused about some other things. Here is where I am at generally: I will try to follow the suggested format, as suggested by retiredjg. Right now I have about $55,00 in a checking ...
by Pondo33
Sun May 12, 2013 9:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Brand New to Investing- Lost
Replies: 37
Views: 3304

Re: Brand New to Investing- Lost

I am beginning to understand a little better: I was thinking that I would have to essentially set up a diversified portfolio in a tax deferred account and another portfolio in a taxable account. However, from the responses, I understand that I just think of the whole- not separate parts. It is also ...
by Pondo33
Thu May 02, 2013 10:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Brand New to Investing- Lost
Replies: 37
Views: 3304

Re: Brand New to Investing- Lost

I understand the tax part and I guess I don't have the lingo down yet. I guess I was using the wrong words when I said "non taxable account" This was real helpful to me: "These accounts are just "holding areas," like financial suitcases, where investments (mutual funds, stoc...
by Pondo33
Wed May 01, 2013 12:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Brand New to Investing- Lost
Replies: 37
Views: 3304

Re: Brand New to Investing- Lost

Okay, then- I will just post one question at a time since I am still reading and researching. Perhaps I can answer some of my own questions through further study. However, here is one big question I have: What is a non-taxable vs. taxable account? I understand the implications of each and the purpos...
by Pondo33
Tue Apr 30, 2013 10:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Brand New to Investing- Lost
Replies: 37
Views: 3304

Re: Brand New to Investing- Lost

Okay- I'm back! I read the Wiki thing as suggested. That was not very helpful. However, I did read the book suggested- Bogleheads Guide to Investing. That was tremendously helpful- SUPER helpful. But, now, armed with a little knowledge, I only have more questions. However, the good news is that they...
by Pondo33
Mon Apr 29, 2013 9:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Brand New to Investing- Lost
Replies: 37
Views: 3304

Re: Brand New to Investing- Lost

Awesome information- thank you all. I am 39. I am brand new- I did not read the wiki before posting (I didn't even know it was there or what it was- I'm sorry some of you have to keep reading posts like mine). I was not really looking for specific investment advice, which I now see is posted on the ...
by Pondo33
Mon Mar 11, 2013 9:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Brand New to Investing- Lost
Replies: 37
Views: 3304

Brand New to Investing- Lost

Hello. I am totally new to investing. For the last few years I have been paying off debt. I have finally done that. I have no student loans, no consumer debt, no vehicle debt and no mortgage on a home I now own. I paid the last of it in January. My wife was just laid off from work and has $175k in a...
by Pondo33
Sun Mar 10, 2013 10:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Brand New to Investing- Lost
Replies: 37
Views: 3304

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