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DCA plan.. Help

I'll have about 50k coming in soon that I plan to put in VTSAX.

Question is should I invest entire money at once or dollar cost average? If DCA ( I am leaning towards it ), how money months/days should I spread the investment. Where should I park the money that doesn't get invested immediately.
by Skyler
Sun Jul 27, 2014 2:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: DCA plan.. Help
Replies: 12
Views: 676

Re: Washington state retirees?

Kirkland/Woodinville
by Skyler
Mon Jun 30, 2014 3:26 am
 
Forum: Personal Consumer Issues
Topic: Washington state retirees?
Replies: 29
Views: 1847

Re: India Crisis

One thing to note is that the 9-10% interest rates were never offered in USD denominated deposits. They were offered in Rupee deposit accounts only. And as someone already pointed out, the main reason for these higher rates was inflation which runs quite high. In fact, the 9-10% rates in all probab...
by Skyler
Sat Aug 31, 2013 7:54 am
 
Forum: Investing - Theory, News & General
Topic: India Crisis
Replies: 49
Views: 5858

Re: 2013 coverdell limit

assumer wrote:I might be wrong but I seem to remember that the $2,000 coverdell contribution counts towards the gift tax exemption limit so be careful to fund $2k less in 529s for a given child if that's true.

Going to try to find sources now.


Thx. What is the annual limit on 529?
by Skyler
Thu Feb 14, 2013 12:22 am
 
Forum: Investing - Theory, News & General
Topic: 2013 coverdell limit
Replies: 50
Views: 6495

Re: 2013 coverdell limit

TD ameritrade also seems to offer coverdell. I just asked for forms ( you can't open online - not with TD at least )
by Skyler
Wed Feb 13, 2013 11:11 pm
 
Forum: Investing - Theory, News & General
Topic: 2013 coverdell limit
Replies: 50
Views: 6495

Re: Yet another portfolio review - married couple filing joi

Thank you very much again. Interesting you make comment about how good is my 401k option.

If I am not mistaken, I have optin to move my rollover inside my 401k account. Do you think I should explore that before making any rebalancing?

You have been awesome help!
by Skyler
Fri Jan 04, 2013 11:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Yet another portfolio review - married couple filing jointly
Replies: 11
Views: 1312

Re: FSTVX vs VTSAX

...snip... In my case I'll probably hold for about 10 years minimum, hopefully for 20 years ( I really want to follow bogleheads philosophy of staying on course ). If I had invested say 50K, difference is a fee of $305 ( Vanguard ) vs, $225 ( Schwab ) in 10 years : - ) . So this is why I felt this ...
by Skyler
Thu Jan 03, 2013 3:09 am
 
Forum: Investing - Help with Personal Investments
Topic: FSTVX vs VTSAX
Replies: 57
Views: 3494

Re: Yet another portfolio review - married couple filing joi

Thank you once again. I just put your suggestions in a spreadsheet: [img_resize=90:3drwt5sp]http://i49.tinypic.com/dphhn6.gif[/img_resize:3drwt5sp] Rollover IRA : 40% - 25% Fidelity Spartan US Bond Index (FBIDX/FSITX) <-- When combined with your Foreign Fixed Deposit, brings your fixed income to 40%...
by Skyler
Thu Jan 03, 2013 3:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Yet another portfolio review - married couple filing jointly
Replies: 11
Views: 1312

Re: Yet another portfolio review - married couple filing joi

Choice on 401k is basically wide open. My company allows for brokerage account from 401k. So, I am not restricted to use the funds offered in company's 401k choices. Some 401k plans have very good funds. For example, mine has an S&P500 index with an ER of .03; other folks have access to institu...
by Skyler
Thu Jan 03, 2013 2:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Yet another portfolio review - married couple filing jointly
Replies: 11
Views: 1312

Re: FSTVX vs VTSAX

After a whole lot of research and consideration, I've gotten myself down to a choice of two funds, for the money coming out of a 0.1% interest-bearing savings account I recently closed. Anyone have any strong feelings regarding the difference between these two funds? It will be in a taxable investm...
by Skyler
Wed Jan 02, 2013 8:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: FSTVX vs VTSAX
Replies: 57
Views: 3494

Re: VGTSX vs VTSGX

Thanks!
by Skyler
Wed Jan 02, 2013 7:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: VGTSX vs VTSGX
Replies: 2
Views: 601

VGTSX vs VTSGX

My company 401k offers VTSGX. VTSGX: Vanguard Total Intl Stock Index Signal (VTSGX) Exp Ratio (Gross) - 0.18% Management Fee - 0.13% VGTSX : Vanguard Total Intl Stock Index Inv (VGTSX) Exp Ratio (Gross) - 0.22% Management Fee - 0.16% Looking purely expense ration, VTSGX is clear winner. This also ha...
by Skyler
Wed Jan 02, 2013 5:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: VGTSX vs VTSGX
Replies: 2
Views: 601

Re: Yet another portfolio review - married couple filing joi

Thank you jbran99. Brokerage Account ( Taxable ) : 17% - invested in USO ETF ( ER 0.45%) - Costco stock ( long term gains ) - amazon stock ( long term gains ) Retirement : Total : 60% Rollover IRA 40% Roth - His 9.5% (100% in BRK.B stock ) Roth - Her 1.5% ( cash ) 401k 9% ( PIMCO Total Return Fund I...
by Skyler
Wed Jan 02, 2013 4:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Yet another portfolio review - married couple filing jointly
Replies: 11
Views: 1312

Re: FSTVX vs VTSAX

After a whole lot of research and consideration, I've gotten myself down to a choice of two funds, for the money coming out of a 0.1% interest-bearing savings account I recently closed. Anyone have any strong feelings regarding the difference between these two funds? It will be in a taxable investm...
by Skyler
Tue Jan 01, 2013 3:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: FSTVX vs VTSAX
Replies: 57
Views: 3494

Re: Yet another portfolio review - married couple filing joi

Thank you jbran99. Made few edits to the first post, especially adding more details to our current portfolio and explaining the foreign FD. More specific response to other questions .. Given your ages, this is slightly conservative for your ages, but AA is a very personal decision and you do hint in...
by Skyler
Tue Jan 01, 2013 3:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Yet another portfolio review - married couple filing jointly
Replies: 11
Views: 1312

Re: Yet another portfolio review - married couple filing joi

Glossary of tickers: I have seen some members asking for ticker description, so including the ones I have referred in my portfolio: SCHB, Schwab U S Broad Market ETF SCHF, Schwab International Equity ETF SCHH, Schwab US REIT ETF (SCHH) SCHZ, Schwab U.S. Aggregate Bond ETF (SCHZ) LTPZ, PIMCO 15+ Year...
by Skyler
Tue Jan 01, 2013 6:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Yet another portfolio review - married couple filing jointly
Replies: 11
Views: 1312

Yet another portfolio review - married couple filing jointly

Many thanks in advance for reviewing the following portfolio. Edits to cover comments from "jbran99" (thank you jbran99) Profile : Emergency funds - set aside for 6 months expenses Debt : Mortgage, paying 4.75% interest rate, soon refinancing to 3.25% . No other debt Tax filing status : Ma...
by Skyler
Tue Jan 01, 2013 6:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Yet another portfolio review - married couple filing jointly
Replies: 11
Views: 1312

Asset allocation calculation - how to factor home equity

I am in the process of identifying asset allocation for 2013 and fortunately ran into bogleheads few days back. Reading through the asset allocation section of the wiki ( http://www.bogleheads.org/wiki/Asset_Allocation ) - I understand the importance of stock/bond split. However, I don't see much re...
by Skyler
Mon Dec 31, 2012 5:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset allocation calculation - how to factor home equity
Replies: 7
Views: 493

Re: Opps...Over 401K 50K Contribution Limits...what now?

That's about it, which adds up to $31,752.28. Does this mean I could have contributed another $18,247.72? Is it too late to do that? As dickenjb says, your limits are defined by your employer plans (and the Roth IRA). The idea is that there are more ways to compensate employees than you can shake a...
by Skyler
Mon Dec 31, 2012 5:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Opps...Over 401K 50K Contribution Limits...what now?
Replies: 18
Views: 2166

Re: Opps...Over 401K 50K Contribution Limits...what now?

Newbie here and apologies if this sounds naive. Questions are always welcome. The hardest questions to answer are those not asked. What you say is accurate, but the IRS looks at everything. There's more to it than your 401k. Take a look at livesoft's link from earlier in the thread. In human readab...
by Skyler
Mon Dec 31, 2012 11:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Opps...Over 401K 50K Contribution Limits...what now?
Replies: 18
Views: 2166

Re: Opps...Over 401K 50K Contribution Limits...what now?

This year I was in a position (and made a point) to maximize pre-tax, after-tax and employer contributions up to the 401K total contribution limit (50K). Newbie here and apologies if this sounds naive. IRS says "The limit is $17,000 for 2012 and $17,500 for 2013." How is your contribution...
by Skyler
Sun Dec 30, 2012 6:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Opps...Over 401K 50K Contribution Limits...what now?
Replies: 18
Views: 2166

Re: Just Deleted Our Mint Account

Any suggestions for an iPad app for personal finance mgmt? I downloaded mint, but deleted it once it started asking for account details. I'd prefer something closer to spreadsheet where I enter and maintain financial data as opposed to providing access to all the accounts.
by Skyler
Sun Dec 30, 2012 7:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Just Deleted Our Mint Account
Replies: 73
Views: 9243

Re: Refinance on low-balance condo investment property

There may be other options. Do you have assets in a taxable account? Use them to pay off the loan. Do you have equity in your current home? Borrow against it and pay off the loan. I am in bit of a similar situation - I do have equity line of credit and I am quoted 3.25 % ( my current interest rate ...
by Skyler
Sat Dec 29, 2012 3:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refinance on low-balance condo investment property
Replies: 6
Views: 704

Re: Payoff mortgage . Tax implication on investment property

If you are definitely past the point of deciding whether or not to hold on to the property (i.e., you are holding on to it regardless of this discussion) ... - if you are planning to buy a house in the next year or so, I suggest that you do not pay off the mortgage. - if you are not planning to buy...
by Skyler
Fri Dec 28, 2012 4:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Payoff mortgage . Tax implication on investment property
Replies: 2
Views: 763

Payoff mortgage . Tax implication on investment property

I am trying to make a decision on paying off a mortgage on my investment property. Could use guidelines on tax implications. I lived in this property and recently had to relocate and thus started renting out this place. I get $1500 per month as rent. My mortgage is about $1150 on this property ( inc...
by Skyler
Fri Dec 28, 2012 11:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Payoff mortgage . Tax implication on investment property
Replies: 2
Views: 763

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