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Re: AA of 60/40 for your Lifetime?

Personally, the main reason I chose 80/20 is because I wanted to be a litte "risky" due to my semi-late start with investing. More than likely I would be in 60/40 range if I felt our net worth was where it should be at our ages. I read about max equity loss exposure and I am certainly not ...
by TVKNSC
Wed Aug 27, 2014 11:55 am
 
Forum: Investing - Help with Personal Investments
Topic: AA of 60/40 for your Lifetime?
Replies: 27
Views: 2235

AA of 60/40 for your Lifetime?

I am 37 y/o and have chosen 80/20 as my AA, which I am perfectly happy with. It seems like I have adopted the age minus 20 in bonds approach. Now onto the question: I understand everyone's investing situation can be different with how risky they can afford to be, but can a legitimate argument be mad...
by TVKNSC
Wed Aug 27, 2014 9:40 am
 
Forum: Investing - Help with Personal Investments
Topic: AA of 60/40 for your Lifetime?
Replies: 27
Views: 2235

Re: Selling 2 Individual Stocks in a VG Brokerage Roth IRA

I've sold those 2 individual stocks and will likley move those funds to an index fund in the coming days. Before that happens, I have to ask one more question: I know VG Total World Stock has a higher ER than Total Stock Market (.30 vs. 0.05), but would you even consider VTWSX (investor) over VTSAX ...
by TVKNSC
Wed Aug 20, 2014 2:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Selling 2 Individual Stocks in a VG Brokerage Roth IRA
Replies: 16
Views: 766

Re: Selling 2 Individual Stocks in a VG Brokerage Roth IRA

LIvesoft-
Outstanding..I appreciate the guidance!

So I have decided to sell those stocks and buy all TSM in the brokerage Roth so I get the Admiral Shares. I cant begin to explain how helpful this forum has been over the past few years.
by TVKNSC
Tue Aug 19, 2014 9:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Selling 2 Individual Stocks in a VG Brokerage Roth IRA
Replies: 16
Views: 766

Re: Selling 2 Individual Stocks in a VG Brokerage Roth IRA

Toto- As I said, it is in a brokerage Roth IRA, not taxable. Very good point on purchasing all TSM in Roth IRA so I qualify for Admiral Shares. It actually works out well because I currently have more than 30% TISM in my taxable, so putting all $11,000 into TSM makes total sense and doesn't put me t...
by TVKNSC
Mon Aug 18, 2014 8:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Selling 2 Individual Stocks in a VG Brokerage Roth IRA
Replies: 16
Views: 766

Selling 2 Individual Stocks in a VG Brokerage Roth IRA

My Wife has 2 individual stocks worth about $11,000 (Kellogg's and Johnson & Johnson) that she's had for years and it's in a VG Brokerage Roth IRA. It's the only 2 investments in this Roth IRA. After learning so much on this forum, I don't see the need to hold those stocks individually. I have c...
by TVKNSC
Mon Aug 18, 2014 7:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Selling 2 Individual Stocks in a VG Brokerage Roth IRA
Replies: 16
Views: 766

Re: Exchange VG TR 2040 for VG LS Growth?

Hoppy-
Okie doke..This was basically the response I was expecting. Thanks!
by TVKNSC
Mon Aug 18, 2014 6:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Exchange VG TR 2040 for VG LS Growth?
Replies: 2
Views: 189

Exchange VG TR 2040 for VG LS Growth?

My desired AA is 80/20 so I looked at glidepath of VG 2040 and realized it doesnt get to 80/20 for another 7 years or so, which is a bit too aggressive for my taste. I am a 37-year old and dont want to take on any more risk than I am comfortable with. I chose 2040 years ago in my Roth IRA because I ...
by TVKNSC
Mon Aug 18, 2014 4:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Exchange VG TR 2040 for VG LS Growth?
Replies: 2
Views: 189

Re: Should I Invest in both T-IRA & R-IRA?

DRA- Yes, I only took my taxable pay into consideration, so the above numbers give a pretty accurate picture of what my situation may look like in 30 years or so. For now, I have decided to stick with Roth in my TSP and IRAs. Unless my wife's pay raise is very substantial, we should be able to get i...
by TVKNSC
Sat Aug 16, 2014 4:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I Invest in both T-IRA & R-IRA?
Replies: 34
Views: 1284

Re: Should I Invest in both T-IRA & R-IRA?

Bob-
ok, sounds good! You definitely know what you're talking about so I will heed your advice. It actually is starting to make much more sense..I absolutely need to learn more about the tax system and I plan to devote more time and energy to this. I really appreciate your time and understanding.
by TVKNSC
Sat Aug 16, 2014 12:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I Invest in both T-IRA & R-IRA?
Replies: 34
Views: 1284

Re: Should I Invest in both T-IRA & R-IRA?

Our current AGI is about $95,000 per year, but may go higher soon with wife's new position. A large percentage of my income isn't taxable (housing/food allowances). I find it hard to believe we are in 28% federal tax rate, so 35% marginal rate seems high to me? Obviously I need to do more homework o...
by TVKNSC
Sat Aug 16, 2014 12:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I Invest in both T-IRA & R-IRA?
Replies: 34
Views: 1284

Re: Should I Invest in both T-IRA & R-IRA?

Bob- My apologies but maybe I missed something when I read the tax bracket information. Maybe I am reading the wrong tax bracket document? Taxes is one part of investing that I am working hard at learning more about. Can you elaborate on your response and break it down to an elementary level so I ca...
by TVKNSC
Sat Aug 16, 2014 11:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I Invest in both T-IRA & R-IRA?
Replies: 34
Views: 1284

Re: Should I Invest in both T-IRA & R-IRA?

wow, I really appreciate this guidance. This forum never lets me down.. I am married with one child. I ran some numbers with anticipated military pension, SS for my Wife and I, as well as RMDs with tIRA and here is the best "guess." Our income at 70.5 should be roughly $85,000, give or tak...
by TVKNSC
Sat Aug 16, 2014 10:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I Invest in both T-IRA & R-IRA?
Replies: 34
Views: 1284

Re: Should I Invest in both T-IRA & R-IRA?

It is likely I will have a military pension as well as SS. Because a good % of my military pay isn't taxed, we could get very close to the current 15% bracket if I went all Traditional TSP ($17,500). I know it is impossible to look into my crystal ball and wonder know what my bracket will be in reti...
by TVKNSC
Fri Aug 15, 2014 10:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I Invest in both T-IRA & R-IRA?
Replies: 34
Views: 1284

Re: Should I Invest in both T-IRA & R-IRA?

KMOK-
The Roth TSP is the federal government version of the 401K, so yes, that is my first priority in my investing philosophy.
by TVKNSC
Fri Aug 15, 2014 10:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I Invest in both T-IRA & R-IRA?
Replies: 34
Views: 1284

Should I Invest in both T-IRA & R-IRA?

I am 37 years old and max-out my Roth TSP each year and we also work hard to max our VG 2040 Roth IRAs. So given I have no clue what my tax bracket will be in retirement, is it worth it to be invested in both T-IRA and R-IRA? Maybe like a 50/50 split? I am currently in 25% fed bracket, but would pro...
by TVKNSC
Fri Aug 15, 2014 10:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I Invest in both T-IRA & R-IRA?
Replies: 34
Views: 1284

Placement of Balanced Fund and Stock Funds in Roth Accounts

I invest in the C, S, and G funds in my Roth TSP and have the Lifestrategy Growth in my VG Roth IRA. Obviously I focus on maxing-out these accounts before considering taxable investing, so I was wondering if their is a significant negative impact on tax-efficiency by placing these funds in a Roth ac...
by TVKNSC
Wed Apr 09, 2014 11:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Placement of Balanced Fund and Stock Funds in Roth Accounts
Replies: 2
Views: 282

Re: Reinvest Dividends or Use those Funds to Rebalance?

GV,
Thanks. No, I will only add money to those taxable accounts if I have funds leftover after maxing out my ROTH TSP and IRAs. As yearly rebalancing approaches, one option I just thought of is to make a temporary contribution allocation adjustment to my TSP if my desired AA gets out of whack (5/25).
by TVKNSC
Sun Mar 30, 2014 11:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Reinvest Dividends or Use those Funds to Rebalance?
Replies: 11
Views: 693

Reinvest Dividends or Use those Funds to Rebalance?

I currently have my dividends from VTIAX and VTSAX being reinvested. When it comes to rebalancing each year, I would prefer to add new monies vs. having to sell a portion of current assets to get back to my desired AA. My only issue with not reinvesting dividends is losing some of the power of compo...
by TVKNSC
Sun Mar 30, 2014 11:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Reinvest Dividends or Use those Funds to Rebalance?
Replies: 11
Views: 693

Re: ROTH TSP: Good Mix between G, C, and S Funds?

I pulled the trigger today and went with 60%- C Fund, 15%- S Fund, and 25%- G Fund. A little upset I missed the great years that the C and S Fund just had, but I am sure I will get to experience it at some point in the future. Staying the course!
by TVKNSC
Thu Mar 20, 2014 11:57 am
 
Forum: Investing - Help with Personal Investments
Topic: ROTH TSP: Good Mix between G, C, and S Funds?
Replies: 6
Views: 562

Re: ROTH TSP: Good Mix between G, C, and S Funds?

I like that 4:1 approach. I read one of Larry Swedroe's books and it talked a lot about small caps and risk was definitely discussed in detail. Thanks again.
by TVKNSC
Wed Mar 19, 2014 7:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: ROTH TSP: Good Mix between G, C, and S Funds?
Replies: 6
Views: 562

Re: ROTH TSP: Good Mix between G, C, and S Funds?

Please reference my initial post above after reviewing the below. I already posted this in a post a few months back, but it is always good to update with new information. Emergency funds: Yes. 6 months worth Debt: car loan = $12,000 (1.9%) and 30-year mortgage = $250,000 (3.4%) Tax Filing Status: Ma...
by TVKNSC
Wed Mar 19, 2014 4:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: ROTH TSP: Good Mix between G, C, and S Funds?
Replies: 6
Views: 562

ROTH TSP: Good Mix between G, C, and S Funds?

As far as my ROTH TSP goes, I have been invested in all G-Fund over the past year to beef up my bond allocation, but now I am getting too bond-heavy. I am active National Guard, so I dont get the match, but it is still an outstanding investment. My desired asset allocation is 75/25 and I am in that ...
by TVKNSC
Wed Mar 19, 2014 12:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: ROTH TSP: Good Mix between G, C, and S Funds?
Replies: 6
Views: 562

Re: Reinvest Dividends or put Money Towards Mortgage

Jimb, I like your view on this subject. I totally am on-board with the emergency fund, tax-deferred, then taxable account approach. With the mortgage tax deduction, my rate after taxes is roughly around 2.7% or so. With inflation roughly in this ballpark, basically I am being loaned the money for fr...
by TVKNSC
Mon Dec 30, 2013 3:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reinvest Dividends or put Money Towards Mortgage
Replies: 9
Views: 671

Re: Reinvest Dividends or put Money Towards Mortgage

Gotcha, Jimb. Great advice. I think my only second-guessing comes from the fact that will I really be in my current home for the next, say, 40 years? Something I need to seriously ponder before plopping money down to pay off the mortgage as quick as possible.
by TVKNSC
Mon Dec 30, 2013 1:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reinvest Dividends or put Money Towards Mortgage
Replies: 9
Views: 671

Re: Reinvest Dividends or put Money Towards Mortgage

Jimb, Wow, great, detailed response. Thanks! Yes, I sure do max-out my Roth TSP and VG 2040 IRA each year, then add to taxable accounts as finances allow. Let me add that I have my fixed-income portion in TSP (G and F fund). I basically created a 3-Fund portfolio with the TSP G/F (tax-deferred), VG ...
by TVKNSC
Mon Dec 30, 2013 1:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reinvest Dividends or put Money Towards Mortgage
Replies: 9
Views: 671

Reinvest Dividends or put Money Towards Mortgage

I currently have a 30-year mortgage with a fixed-rate of 3.75% and we're entering our 4th year of the mortgage. I currently choose to reinvest my dividends, but should I put this money towards the principal on my mortgage and try to pay it off a few years early? I hate debt, especially the interest ...
by TVKNSC
Mon Dec 30, 2013 11:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Reinvest Dividends or put Money Towards Mortgage
Replies: 9
Views: 671

Re: Investing for Child's Retirement

My .02 on whether to put money towards their retirement in 60 years or not. Depending on your financial situation, what is the big deal about dropping, say, a one-time deposit of $5,000 in a VG index fund and let it compound interest for 60 years? I kick myself for not starting investing about 10 ye...
by TVKNSC
Thu Dec 26, 2013 6:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing for Child's Retirement
Replies: 11
Views: 922

Re: Investing for Child's Retirement

I am in the same boat at the OP and would like to add that you likely will need to open a custodial account through VG. I think the other option is a guardian account, but seems a bit more complicated than a custodial account. Your sons' will then will have full custody of those monies when they rea...
by TVKNSC
Thu Dec 26, 2013 1:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing for Child's Retirement
Replies: 11
Views: 922

Re: Which VG Account for Child to-be?

Critic,
You've been a great help. Thanks.
by TVKNSC
Wed Dec 25, 2013 9:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which VG Account for Child to-be?
Replies: 13
Views: 640

Re: Which VG Account for Child to-be?

Calm,
Of course waiting is the obvious answer, but time does fly and I wanted an idea of what I am looking at. Thanks for your input!?
by TVKNSC
Wed Dec 25, 2013 8:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which VG Account for Child to-be?
Replies: 13
Views: 640

Re: Which VG Account for Child to-be?

Ok. I never considered a VG ETF, but I will look into it. I've gathered that the first $950 of earned income from investments in a UGMA is generally tax-exempt. The subsequent income up to $950 is generally taxed at the child’s rate. Any income earned over $1,900 is generally taxed at the parent’s r...
by TVKNSC
Wed Dec 25, 2013 6:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which VG Account for Child to-be?
Replies: 13
Views: 640

Re: Which VG Account for Child to-be?

Cowboy, Excellent advice, and teaching good financial practices is for sure a goal. I think my main focus is to open an index fund and take advantage of compounding interest over the next 21 years. Age of majority in my state is 21, so the money would be turned over then. In a perfect world, the mon...
by TVKNSC
Wed Dec 25, 2013 4:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which VG Account for Child to-be?
Replies: 13
Views: 640

Which VG Account for Child to-be?

My wife and I are expecting our first child in July. I have done some research about UGMA/UTMA/529s and I really want to open a custodial account through VG. I really wish I started investing a little bit earlier than I did so this is my chance to get our child to-be started VERY early in life. The ...
by TVKNSC
Wed Dec 25, 2013 12:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which VG Account for Child to-be?
Replies: 13
Views: 640

Re: Driving the Bus off the Cliff?

Great news. So I am now welcoming a bear market. :D
by TVKNSC
Tue Apr 09, 2013 12:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Driving the Bus off the Cliff?
Replies: 34
Views: 2704

Re: Driving the Bus off the Cliff?

Great input. I have no intentions of getting into active management, but wanted some of your expert feedback on this marketing campaign of active managers. All responses thus far have reinforced my belief in that process.
by TVKNSC
Tue Apr 09, 2013 11:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Driving the Bus off the Cliff?
Replies: 34
Views: 2704

Driving the Bus off the Cliff?

I fully undertand the "stay the course" and not "timing the market" principles, but what can passive investors do ahead of another 2008 possibly happening down the road? It seems like "actively" managed accounts get more oversight, so they may have a better chance to av...
by TVKNSC
Tue Apr 09, 2013 10:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Driving the Bus off the Cliff?
Replies: 34
Views: 2704

Re: Payoff School Loan or Keep Investing?

Grabiner, Yes. Your input is appreciated. My ultimate goal is to have a 3-fund portfolio with total market, total international, and the TSP G-fund for my bond portion. Currently I am off-balance because of all the moves I have made since learning so much on this forum. Because of Hoppy's help, I am...
by TVKNSC
Thu Apr 04, 2013 9:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Payoff School Loan or Keep Investing?
Replies: 12
Views: 1046

Re: Roth TSP Contribution Allocations

Hoppy.
Wow. What a detailed and helpful response. I will sit down to look at making these moves. One issue is that Google spreadsheet wouldnt open. Thanks again!
by TVKNSC
Thu Apr 04, 2013 8:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth TSP Contribution Allocations
Replies: 7
Views: 842

Re: Payoff School Loan or Keep Investing?

James, Right. I put the balanced fund in my Roth IRA because the fund is somewhat tax inefficient. To be honest, I have done these "target" funds in my IRA for years and really havent done enough research to know if their are better alternatives for my Roth IRA. I do max out these on a yea...
by TVKNSC
Wed Apr 03, 2013 10:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Payoff School Loan or Keep Investing?
Replies: 12
Views: 1046

Re: Roth TSP Contribution Allocations

Hoppy, No problem. I posted this in one of my initial posts, but I had to make some tweaks to it. Emergency funds: Yes. 6 months worth and it is in ING Debt: school loan = $8,000 (2.9%), car loan = $17,000 (1.9%) , and 30-year mortgage = $250,000 (3.4%) Tax Filing Status: Married Filing Jointly Tax ...
by TVKNSC
Wed Apr 03, 2013 8:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth TSP Contribution Allocations
Replies: 7
Views: 842

Re: Payoff School Loan or Keep Investing?

Wow. Great responses and insight. I truly appreciate all you're doing.
by TVKNSC
Wed Apr 03, 2013 8:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Payoff School Loan or Keep Investing?
Replies: 12
Views: 1046

Payoff School Loan or Keep Investing?

Besides our mortgage and a $275 monthly payment on a car loan with a really low rate, an $8,000 school loan at 3% interest is our biggest debt. I understand that we will receive a tax credit from the student loan interest we paid, but should I put this money into a taxable retirement account and mak...
by TVKNSC
Tue Apr 02, 2013 4:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Payoff School Loan or Keep Investing?
Replies: 12
Views: 1046

Re: Roth TSP Contribution Allocations

I have a concern about my bond allocation. I am well aware of the "age in bonds," but I recently moved to the "3-fund" approach. The issue is, I am not balanced with my bonds. I can only contribute $17,500 to this TSP each year, so I am kind of in a pickle. I only have $5,800 in ...
by TVKNSC
Tue Apr 02, 2013 3:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth TSP Contribution Allocations
Replies: 7
Views: 842

Re: Invest all this Money into VTSAX Admiral?

Z3 & LM,
Yes, I fully agree with both of your assessments. I have roughly 33% international and tax-efficiency seems to be pretty subjective. I am willing to be tax-efficient, even if the return isn't eye-opening.
by TVKNSC
Wed Feb 13, 2013 10:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Invest all this Money into VTSAX Admiral?
Replies: 18
Views: 2321

Re: Invest all this Money into VTSAX Admiral?

LM, Yea, I owned the Wellington for about 3 weeks, so should the tax implications be a concern? I think the value in the fund is the same it was 3 weeks ago. I agree on the F-fund, but I will hold onto a little bit of it until rates start to rise, then I will go all G-fund. From what i've gathered, ...
by TVKNSC
Tue Feb 12, 2013 1:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Invest all this Money into VTSAX Admiral?
Replies: 18
Views: 2321

Re: Invest all this Money into VTSAX Admiral?

any final thoughts? I am looking at pulling trigger on the following: Exchange Wellington admiral for VTSAX and VTIAX Reset TSP allocation by removing TSP 2040 and moving to all bonds (F and G funds) This will give me the 3-fund portfolio I have been looking for, and my stocks will now be in tax-eff...
by TVKNSC
Mon Feb 11, 2013 3:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Invest all this Money into VTSAX Admiral?
Replies: 18
Views: 2321

Re: Invest all this Money into VTSAX Admiral?

Man I wish could nail this down! Ideally I would like the VTSAX admiral for the low ER, so my only initial option in the taxable would be $50,000 into VTSAX and $10,000 into total international. I would then contribute all my TSP allocation to the G-Fund and dont even use TSP I-Fund? Keeping AA in m...
by TVKNSC
Mon Feb 11, 2013 10:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Invest all this Money into VTSAX Admiral?
Replies: 18
Views: 2321

Re: Invest all this Money into VTSAX Admiral?

Right now I have the TSP 2040, so what if I did this allocation change: 50% of TSP contribution into TSP I-Fund (international stock) 50% of TSP contribution into TSP G-Fund (government securities) Then put $60,000 I referenced into the VTSAX (admiral)? I would then add about $1500 per month to VTSA...
by TVKNSC
Mon Feb 11, 2013 9:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Invest all this Money into VTSAX Admiral?
Replies: 18
Views: 2321
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