Search found 2463 matches

Return to advanced search

Re: Thank You

Amen to that. This board and its many awesome members have helped me tremendously. It's incredible how kind the people are and how they are so willing to help. Not just smart investors, great people all around.

Happy Thanksgiving to all!
by Triple digit golfer
Tue Nov 25, 2014 5:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thank You
Replies: 3
Views: 401

Re: What percent "Boglehead" are you?

Copying nisiprius' format: 1 Develop a workable plan - 8 - I am currently investing 25% of my income for retirement and never plan on dipping below 15%. If I ever have kids I assume it may dip. Given my uncertainty about exactly how much I'll invest once there are kids in the picture, I'll give myse...
by Triple digit golfer
Sun Nov 23, 2014 7:47 pm
 
Forum: Investing - Theory, News & General
Topic: What percent "Boglehead" are you?
Replies: 112
Views: 5513

Re: Adding taxable investments to retirement portfolio

As for placing cash needs in a tax-advantaged account, my taxable account will be about $95k. Does that change things? Would it make a large difference if I exchanged some S&P 500 in my 401(k) for a money market account, and then used some of my liquid savings to buy the S&P 500 index in ta...
by Triple digit golfer
Wed Nov 19, 2014 5:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Adding taxable investments to retirement portfolio
Replies: 12
Views: 1055

Re: Adding taxable investments to retirement portfolio

rkhusky wrote:Just for completeness, what is the lowest cost option for total international in your 401K and its ER?


It's an EAFE index (doesn't include emerging markets) and I believe it is right around 0.95%.
by Triple digit golfer
Wed Nov 19, 2014 2:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Adding taxable investments to retirement portfolio
Replies: 12
Views: 1055

Re: Adding taxable investments to retirement portfolio

Thanks for the replies, everybody. I would suggest A or a modification of A. The modification would be to hold both Total Stock and Total International in taxable, adjusting the rest of your portfolio as needed. As I understand Grabiner, one of the better numbers people around here, the Total Stock ...
by Triple digit golfer
Wed Nov 19, 2014 1:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Adding taxable investments to retirement portfolio
Replies: 12
Views: 1055

Re: Adding taxable investments to retirement portfolio

Another consideration: Should I consider holding my cash/MM in my 401(k) rather than taxable and hold more stock index funds in my taxable account? Is there a sizeable benefit to doing this? In the case that I need the money, I simply sell taxable stock index and then in my 401(k) I exchange the ca...
by Triple digit golfer
Wed Nov 19, 2014 12:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Adding taxable investments to retirement portfolio
Replies: 12
Views: 1055

Re: Adding taxable investments to retirement portfolio

Not an expert on this but would humbly consider putting 30K in TSM in taxable and since the ER in your 401K is so much higher than 0.05%. TSM is also very tax efficient as well. TISM is also tax efficient but not quite as tax efficient as TSM although there is the foreign tax credit. JMO... but hop...
by Triple digit golfer
Wed Nov 19, 2014 11:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Adding taxable investments to retirement portfolio
Replies: 12
Views: 1055

Adding taxable investments to retirement portfolio

If you don't want to get into the details of why I'm adding $30k in taxable investments to my retirement portfolio , read below the line about 2/3 of the way down. General gist is that I am adding $30k in taxable to my otherwise tax-advantaged (401k and Roth IRA) portfolio. I have $95k sitting in s...
by Triple digit golfer
Wed Nov 19, 2014 9:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Adding taxable investments to retirement portfolio
Replies: 12
Views: 1055

Re: Fund placement and expenses

bengal22 wrote:why not option C - both funds at .2%. A higher expense ratio does not give you a better return.


I understand that and of course in a perfect world Option C would be ideal. I'm trying to just understand the theory behind it.
by Triple digit golfer
Wed Nov 19, 2014 8:51 am
 
Forum: Investing - Theory, News & General
Topic: Fund placement and expenses
Replies: 7
Views: 482

Fund placement and expenses

All else equal, which is the better option? Option A: Stocks in a fund with a 1.00% ER Bonds in a fund with a 0.20% ER Option B: Stocks in a fund with a 0.20% ER Bonds in a fund with a 1.00% ER Is the way to figure this simply to take total holdings as a percentage of total portfolio? For example, i...
by Triple digit golfer
Wed Nov 19, 2014 8:41 am
 
Forum: Investing - Theory, News & General
Topic: Fund placement and expenses
Replies: 7
Views: 482

Re: Emergency and earmarked funds - investing ideas

Noobvestor: The LS income dropped about 11% in 2008 and wasn't down in any other year. Still, I see your point and it may be a bit too risky. I'm hestitant to invest in I Bonds. They are offering 1.48%, not much higher than some CDs. BolderBoy: I was saying that a portfolio with 20% stocks diversifi...
by Triple digit golfer
Tue Nov 18, 2014 8:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Emergency and earmarked funds - investing ideas
Replies: 8
Views: 959

Emergency and earmarked funds - investing ideas

I have about $95k in cash that I do not consider part of my retirement portfolio. This is money I plan on using in the semi-near future. I am tired of earning 1% in savings and I'd to take a bit of additional risk on some of my cash. Here's how I divy it up, at least in my head: $24k emergency fund ...
by Triple digit golfer
Mon Nov 17, 2014 9:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Emergency and earmarked funds - investing ideas
Replies: 8
Views: 959

Re: Options for girlfriend with bad 403b and no matching

She's in the 15% bracket. The only decent fund that I see is a 500 index with a 1.08% ER. The rest are actively managed with expense ratios in the mid to high 1s. Both of those facts make a strong argument for Roth IRA in my opinion. It might be worthwhile to be sure she will still be in the 15% br...
by Triple digit golfer
Sun Nov 16, 2014 4:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Options for girlfriend with bad 403b and no matching
Replies: 8
Views: 401

Re: Options for girlfriend with bad 403b and no matching

She's in the 15% bracket.

The only decent fund that I see is a 500 index with a 1.08% ER. The rest are actively managed with expense ratios in the mid to high 1s.
by Triple digit golfer
Sun Nov 16, 2014 4:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Options for girlfriend with bad 403b and no matching
Replies: 8
Views: 401

Options for girlfriend with bad 403b and no matching

She contributes 15% of her salary, which is about $7,000, to a 403b with high cost, actively managed funds. Any reason for her not to instead max out a Roth IRA and cut down that 403b contribution to close to nothing? Considering that a Roth is after tax, I'm considering recommending that she contri...
by Triple digit golfer
Sun Nov 16, 2014 4:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Options for girlfriend with bad 403b and no matching
Replies: 8
Views: 401

Re: Portfolio review in light of new (better) 401(k) choices

This looks like a good and simple plan. Just be aware that you will be slightly under your target international allocation but that isn't a big problem. All new contributions to the roth would go into the Total Intl fund. I would go for it. Laura Thanks, Laura. Just to clarify, when you say I'll be...
by Triple digit golfer
Sat Nov 15, 2014 5:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review in light of new (better) 401(k) choices
Replies: 2
Views: 201

Portfolio review in light of new (better) 401(k) choices

As a new trustee on my company's 401(k) plan, I have made some changes in our available funds! I was able to dump four expensive, actively managed funds in favor of index funds that will be available beginning December 1! A little further below I will only list the index options in my 401(k), as the...
by Triple digit golfer
Sat Nov 15, 2014 4:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review in light of new (better) 401(k) choices
Replies: 2
Views: 201

Re: Roth IRA income limit question

Whoops - my apologies. The remark was not intended to offend.
by Triple digit golfer
Sat Jul 19, 2014 3:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA income limit question
Replies: 24
Views: 1111

Re: Memory foam mattresses - any insight?

Good stuff, everybody. Thanks. Keep it coming.
by Triple digit golfer
Sat Jul 19, 2014 3:18 pm
 
Forum: Personal Consumer Issues
Topic: Memory foam mattresses - any insight?
Replies: 64
Views: 5755

Memory foam mattresses - any insight?

I'm in the market for a new king size, memory foam mattress. I could go spend $3-8k for a Tempurpedic. Or I could spend $2-5k for a Sealy, Serta, or Simmons competitor of the Tempurpedic. Or I could buy this and foundation for about $700-800 delivered: http://www.amazon.com/dp/B003CT37LA/ref=twister...
by Triple digit golfer
Sat Jul 19, 2014 1:28 pm
 
Forum: Personal Consumer Issues
Topic: Memory foam mattresses - any insight?
Replies: 64
Views: 5755

Re: Roth IRA income limit question

DSI - I contribute the max $17,500 to a traditional 401(k). That lowers AGI??? Disclaimer: I'm a corporate accountant, not a tax accountant. I've taken one tax course in my life. :) Yes, Traditional 401k contributions lowers your AGI. If you contributed max to Traditional 401k in tax year 2013, go ...
by Triple digit golfer
Sat Jul 19, 2014 1:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA income limit question
Replies: 24
Views: 1111

Re: Roth IRA income limit question

music_man wrote:If you're total income is right around the threshold you should be able to get that well below with deductions. Are you maxing out 401k? I would think the $17,500 should be more than enough to bring you under.


Yes, well under. I have $15k+ to spare!
by Triple digit golfer
Sat Jul 19, 2014 9:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA income limit question
Replies: 24
Views: 1111

Re: Roth IRA income limit question

[(removed) --admin LadyGeek], I feel dumb. Duh, of course 401(k) contributions reduce AGI. Major brain fart this morning.
by Triple digit golfer
Sat Jul 19, 2014 9:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA income limit question
Replies: 24
Views: 1111

Re: Roth IRA income limit question

pkcrafter - no, my bond fund choices in my 401(k) are putrid. I've discussed it on the forum before and always came back to the set-up I have now. Retiredjg helped me out there, so thanks to her again. DSI - I contribute the max $17,500 to a traditional 401(k). That lowers AGI??? Disclaimer: I'm a c...
by Triple digit golfer
Sat Jul 19, 2014 9:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA income limit question
Replies: 24
Views: 1111

Re: Roth IRA income limit question

OK, so I've done a little research and I have a couple things I'd like somebody to verify: 1. The total contribution limit of all IRAs combined is $5,500, meaning that if I've contributed $4,125 to my Roth already, then my contribution to the nondeductible traditional IRA will be $1,375. Correct? 2....
by Triple digit golfer
Sat Jul 19, 2014 9:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA income limit question
Replies: 24
Views: 1111

Re: Roth IRA income limit question

livesoft wrote:I recall you are an accountant. It's time to learn about the "Back door Roth IRA". I'll let you re-search that topic.


I've already found the wiki!
by Triple digit golfer
Sat Jul 19, 2014 9:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA income limit question
Replies: 24
Views: 1111

Roth IRA income limit question

Hi everybody, I recently received a pretty large increase in salary that I believe will put me over the limit for a Roth IRA, which means the amount I could contribute will decrease. I'm currently single and my income in 2014 will be about $116,000, plus about $1,500 in interest income from savings ...
by Triple digit golfer
Sat Jul 19, 2014 8:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA income limit question
Replies: 24
Views: 1111

Re: Which is the better option?

Looking at that international fund, it is almost all large cap (only 2% mid cap and 0% small cap) and more than half of that is in the Morningstar growth box (leaving less than half split between the blend and value boxes). Explain that in a fund named "International Value". Has this mana...
by Triple digit golfer
Sun Mar 30, 2014 7:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Which is the better option?
Replies: 6
Views: 513

Re: Which is the better option?

If I had to chose between active international of active bond, I'd generally chose active international (no real reason, it's just more interesting to me). 3 basis points isn't a huge difference, so what ever you chose, it will be ok. Maybe look at the S&P SPIVA numbers to see which active asse...
by Triple digit golfer
Sat Mar 29, 2014 4:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which is the better option?
Replies: 6
Views: 513

Re: Which is the better option?

I would probably choose to hold the good international fund (option 2). I'm not sure it is going to make a big difference though. Thank you for your reply. I just worry that GNMA and TIPS are not a good substitute for TBM. However, it's no guarantee that my actively managed international fund is go...
by Triple digit golfer
Sat Mar 29, 2014 4:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which is the better option?
Replies: 6
Views: 513

Which is the better option?

I use my 401(k) and Roth IRA. In order to keep my 80/20 stock/bond ratio and my 70/30 U.S./international stock ratio, I have to do one of the following (due to placement of funds, etc.): A. Have slightly over half of my international stock in an actively managed fund in my 401(k) at an expense ratio...
by Triple digit golfer
Sat Mar 29, 2014 3:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which is the better option?
Replies: 6
Views: 513

Re: Portolio evaluation

1) Consider maxing out the 401(k). 2) Instead of the high cost bond funds in the 401(k), maybe buy I bonds outside of the tax advantaged accounts or increase TBM while reducing TISM in Roth IRA and hold some Total International in taxable. Regarding #2, wouldn't buying taxable funds probably be wor...
by Triple digit golfer
Sat Feb 08, 2014 10:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Portolio evaluation
Replies: 3
Views: 328

Portolio evaluation

I like to re-visit this every year or so just to see how I'm doing and get any opinions. Cash in checking/savings/CDs: $80k, which is emergency fund, future big purchase fund, appliance fund, home repair/remodel fund, down payment for next house fund, etc. $47k is earning 3%, rest is earning around ...
by Triple digit golfer
Fri Feb 07, 2014 4:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portolio evaluation
Replies: 3
Views: 328

Re: How do you define "emergency fund?"

Lots of good thoughts here. I also like the wiki article linked above. Always learning!
by Triple digit golfer
Tue Feb 04, 2014 8:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do you define "emergency fund?"
Replies: 32
Views: 2977

How do you define "emergency fund?"

Most of us agree that an emergency fund will cover expenses in the case of a job loss or other unexpected catastrophe. The problem for some is that they consider buying a new furnace when theirs is 25 years old an "emergency." I have enough in what I call my emergency fund to cover about e...
by Triple digit golfer
Mon Feb 03, 2014 7:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do you define "emergency fund?"
Replies: 32
Views: 2977

Re: Where to put extra money?

I don't see the reason for paying off the car loan. I am only paying 0.50% and I'm earning more than that in my savings account. Paying off the car loan to save extra money would be worse than I'm doing now, which is earning 0.85% and paying 0.50% on the current loan. If I could borrow for less than...
by Triple digit golfer
Mon Feb 03, 2014 7:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where to put extra money?
Replies: 24
Views: 2723

Re: Where to put extra money?

I opened up a 5-year PenFed CD at 3%. Seems like a heck of a deal in this environment. Thanks for the suggestions, all!
by Triple digit golfer
Sun Feb 02, 2014 12:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where to put extra money?
Replies: 24
Views: 2723

Re: Where to put extra money?

Kevin,

Thanks a lot for your posts.

I am not eligible to join PenFed. It looks like I could join National Military Family Association or Voices for America's Troops and pay a one-time fee of $15 or $20.

That's it? No catch? No recurring fees or anything?
by Triple digit golfer
Thu Jan 30, 2014 10:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where to put extra money?
Replies: 24
Views: 2723

Re: Where to put extra money?

How about Vanguard Limited Term Tax Exempt bond fund (VMLTX)?

Seems to be a pretty safe investment and exempt from income taxes.

Or Vanguard Short-Term Investment Grade (VFXTX)?

Or any of the other bond funds that are low-risk?
by Triple digit golfer
Thu Jan 30, 2014 10:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where to put extra money?
Replies: 24
Views: 2723

Re: Where to put extra money?

Also, my goal is to not lose money, while taking a mild to moderate risk in the short to intermediate term (about 5 years) with the hopes of beating savings/CD returns. To me, this screams bonds. But in a taxable account, I'm trying to determine if it's even worth it, or if savings/CDs earning 1-1.5...
by Triple digit golfer
Thu Jan 30, 2014 8:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where to put extra money?
Replies: 24
Views: 2723

Re: Where to put extra money?

Help me out here. What does all that mean?

I'm in the 25% tax bracket. How would equal earnings from the following funds be taxed?

$1,000 on Total Stock Market fund
$1,000 on Total Bond Market fund
$1,000 on LifeStrategy Income fund

In the meantime I'll be Googling...
by Triple digit golfer
Thu Jan 30, 2014 8:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where to put extra money?
Replies: 24
Views: 2723

Re: Where to put extra money?

Thanks for your input. I don't definitely need the money in five years. I have $80k and I anticipate needing a few thousand at a time for my larger purchases, but I won't be needing $50k in five years or anything. If I put $40k in a taxable investment to save for a house and it performs poorly, I'd ...
by Triple digit golfer
Thu Jan 30, 2014 8:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where to put extra money?
Replies: 24
Views: 2723

Re: Where to put extra money?

How about a Vanguard bond fund? Are bond funds bad choices for taxable investments compared to CDs or savings? Not nowadays since the yield on bond funds are so low plus they may lose money, so there is the possibility of tax-loss harvesting. Some folks get excited about a 2% to 3% CD, but I do not...
by Triple digit golfer
Thu Jan 30, 2014 7:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where to put extra money?
Replies: 24
Views: 2723

Re: Where to put extra money?

Have you entertained the idea of a taxable account invested tax-efficiently in index funds like the Total US Market index fund and the Total International Market index fund? The money could be used for anything and over the long term should be expected to do much better than 3.375%. I've thought ab...
by Triple digit golfer
Thu Jan 30, 2014 7:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where to put extra money?
Replies: 24
Views: 2723

Where to put extra money?

I am hoping for some guidance here. I wasn't sure whether to put this in the investing section or this one. I'm sorry if this is long-winded, but I don't want to leave out any details. I am 28, almost 29, and single, but probably will be engaged in the near future. My girlfriend has no debt and abou...
by Triple digit golfer
Thu Jan 30, 2014 6:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where to put extra money?
Replies: 24
Views: 2723

Re: [Sad news - Pat Larimore]

Taylor,

My deepest sympathies to you and your family on the loss of your wife.

-Mark
by Triple digit golfer
Fri Jul 19, 2013 7:37 pm
 
Forum: Investing - Theory, News & General
Topic: [Sad news - Pat Larimore]
Replies: 225
Views: 16334

Re: Invest more in 401(k) or pay down mortgage?

Am I completely overthinking this? I think maybe you are, a little. It is easy to get into our minds just what we want and that makes everything else seem sub-standard. But you need to rearrange your brain to think of in a different way. Rather than trying to pick the perfect portfolio (if all thin...
by Triple digit golfer
Sun Dec 30, 2012 2:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Invest more in 401(k) or pay down mortgage?
Replies: 37
Views: 4230

Re: Invest more in 401(k) or pay down mortgage?

Thanks, retiredjg. That sounds good. The way I have it now, here will be my balances at the end of 2013 if I just add in current portfolio plus new contributions: 401k: 56.25% $61,487 S&P 500 index (0.83% ER) 8.53% $9,323 American Century Ginnie Mae (1.14% ER) Roth IRA: 18.75% $20,496 Vanguard T...
by Triple digit golfer
Sun Dec 30, 2012 1:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Invest more in 401(k) or pay down mortgage?
Replies: 37
Views: 4230

Re: Invest more in 401(k) or pay down mortgage?

Don't use any international in your 401k . This is a no-brainer. It would raise your overall costs and lower your international diversification. There is no harm at all in using the GNMA or stable value (or one of the other choices) in your 401k as part of your bond allocation. Don't get so fixated...
by Triple digit golfer
Sun Dec 30, 2012 1:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Invest more in 401(k) or pay down mortgage?
Replies: 37
Views: 4230

Re: Invest more in 401(k) or pay down mortgage?

Or...another option. Use one of the crappy international funds in my 401k and reduce international in IRA, and therefore I'll be able to keep all my bonds in Total Bond Market: Thornburg International Value (1.57% ER) - large growth American Funds Capital World Growth and Income (1.28% ER) - large b...
by Triple digit golfer
Sun Dec 30, 2012 11:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Invest more in 401(k) or pay down mortgage?
Replies: 37
Views: 4230
Next

Return to advanced search