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Re: The startup got acquired, help with 83-B Election?

During my companies acquisition 2 years ago everyone w/ ISO grants were required to complete 83(b) forms.
by UT_AN
Wed Mar 12, 2014 1:19 am
 
Forum: Investing - Help with Personal Investments
Topic: The startup got acquired, help with 83-B Election?
Replies: 5
Views: 686

Private Company ISO Post Termination

I plan to terminate my employment at my company (Private company) next month. I have two ISO grants with varying amounts currently vested. Under the termination clause: "Subject to the occurrence of a Liquidity Event, this Option shall be exercisable for three (3) months after Participant cease...
by UT_AN
Wed Mar 12, 2014 1:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Private Company ISO Post Termination
Replies: 4
Views: 397

Re: Portfolio Review Request: Newly Married

I also just receieved information on my new HSA custodian regarding their investment options. It looks like I can invest for a $2 a month fee. If I went this route I would put the $6150 as the $3100 contribution into: Fidelity Spartan US Bond Index Fund (Inv) FBIDX (.22%) I still need to find out al...
by UT_AN
Mon Dec 31, 2012 6:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review Request: Newly Married
Replies: 27
Views: 2444

Re: Portfolio Review Request: Newly Married

@pingo I really really liked how your second recommendation came together. The only change I made was swapping out the IJS in her ROTH for Spartan Small Cap Index Fund - Fidelity Advantage Class FSSVX (.3%), which is essentially the same. Regarding the after-tax contributions to the 401k, I will def...
by UT_AN
Thu Dec 27, 2012 11:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review Request: Newly Married
Replies: 27
Views: 2444

Re: Portfolio Review Request: Newly Married

Oh! And happy holidays! :D Happy Holidays! Thank you very much for the extremely detailed recommendations. I am going to go through everything tonight will post an update with what I think my next steps will be. I imagine it will be along the lines of your second recommended post, selling off in th...
by UT_AN
Wed Dec 26, 2012 2:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review Request: Newly Married
Replies: 27
Views: 2444

Re: Portfolio Review Request: Newly Married

Check out the Lazy Portfolios: http://www.bogleheads.org/wiki/Lazy_portfolio They will help you capture all sectors and reduce overlap; I like the Core Four Portfolio proposed by Rick Ferri. I with it were that easy though. With restricted options in the 401ks I am left with having to patch holes. ...
by UT_AN
Mon Dec 24, 2012 2:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review Request: Newly Married
Replies: 27
Views: 2444

Re: Portfolio Review Request: Newly Married

Rainier wrote:I use my HSA to pay medical expenses, I can't afford not to. If you plan on using your HSA then it should not be part of your retirement money. Unless it gets very large.


I am currently paying out of pocket for all medical expenses. The plan is to only use the HSA funds in retirement.
by UT_AN
Sat Dec 22, 2012 12:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review Request: Newly Married
Replies: 27
Views: 2444

Re: Portfolio Review Request: Newly Married

@Pingo

No worries at all. I am happy to be getting advice from those more knowledgable than I. My current portfolio balance is ~180k.
by UT_AN
Sat Dec 22, 2012 2:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review Request: Newly Married
Replies: 27
Views: 2444

Re: Portfolio Review Request: Newly Married

Sorry, I forgot to ask earlier: Do you and/or your wife receive an employer match in those 401ks? If so, I recommend you edit your "2013 Inflows" part with the roughly the dollar amounts. That is: $17,500 + $x,xxx (match) = $xx,xxx. The final number is what we need for each of you. Also, ...
by UT_AN
Fri Dec 21, 2012 7:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review Request: Newly Married
Replies: 27
Views: 2444

Re: Portfolio Review Request: Newly Married

Is the after-tax account an after-tax 401k, or a taxable brokerage account? If it is an after-tax 401k, you should roll that to a TIRA and convert to a Roth. The after-tax account is a normal brokerage account w/ Fidelity. As mentioned in the above post, all holding currently have short term capita...
by UT_AN
Fri Dec 21, 2012 12:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review Request: Newly Married
Replies: 27
Views: 2444

Re: Portfolio Review Request: Newly Married

1. It would still be helpful to get the rest of the expense ratios. Tickers are very helpful, but they don't give us the right idea about employer plan expense ratios. Often a plan (say, her 401k) negotiates a different expense ratio than we would see when looking up the fund by ticker. 2. Do have ...
by UT_AN
Fri Dec 21, 2012 12:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review Request: Newly Married
Replies: 27
Views: 2444

Re: Portfolio Review Request: Newly Married

Check out the Lazy Portfolios: http://www.bogleheads.org/wiki/Lazy_portfolio They will help you capture all sectors and reduce overlap; I like the Core Four Portfolio proposed by Rick Ferri. I with it were that easy though. With restricted options in the 401ks I am left with having to patch holes. ...
by UT_AN
Fri Dec 21, 2012 2:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review Request: Newly Married
Replies: 27
Views: 2444

Re: Portfolio Review Request: Newly Married

Posting this at 2am probably wasn't the best idea. I cleaned it up my post a bit as well as added a few questions to the end.

TYIA
by UT_AN
Wed Dec 19, 2012 11:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review Request: Newly Married
Replies: 27
Views: 2444

Portfolio Review Request: Newly Married

I would really appreciate a few extra pairs of eyes on my portfolio to see if I am optimally hitting my investment objectives. This is the first time really looking at the big picture of our households portfolio. I know a few items clearly stick out (HIINX in his 401k and FFFFX in her ROTH) as needi...
by UT_AN
Wed Dec 19, 2012 2:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review Request: Newly Married
Replies: 27
Views: 2444

I believe I might have a too high a risk tolerance to be holding 25%+ of my portfolio in bonds. Instead of that would you recommend just moving more towards Fidelity Spartan Total Market Index (FSTMX)? You mentioned "Note: this fund is missing Emerging Markets and Small Caps" in regards to...
by UT_AN
Wed Feb 02, 2011 11:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review Request Young Investor
Replies: 12
Views: 2346

I am new don't have any financial advice, but I would recommend including the % of total portfolio next to each of your holdings to make it easier for someone to help you out.
by UT_AN
Wed Feb 02, 2011 11:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie seeking portfolio advice and have a few questions
Replies: 2
Views: 401

Re: Portfolio Review Request Young Investor

End of Year allocation will look as follows (before gains): Roth: 12% FFFHX Fidelity Freedom 2050 (.84%) 30% FSIIX SPARTAN INTL INDEX INVESTOR CLASS (.2) 401k 15% FFFHX Fidelity Freedom 2050 (.84%) Missing 43% - total does not equal 100% AN, What are the options in the 401K and how much new money a...
by UT_AN
Wed Feb 02, 2011 5:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review Request Young Investor
Replies: 12
Views: 2346

Thank you everyone for your suggestions. I will be purchasing and reading a Bogleheads Guide to Investing shortly! Those Fidelity Spartan Funds seem like good options. What do you think about the following immediate actions? Selling CIM & FLATX in my ROTH and purchasing FSIIX with the proceeds ....
by UT_AN
Wed Feb 02, 2011 4:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review Request Young Investor
Replies: 12
Views: 2346

Portfolio Review Request Young Investor

Age: 24 Emergency Fund: 1 Year + Tax Rate: 25% (no state income tax) Debt: $0, Just paid off student loans Desired Allocation: 90/10? I am young, so the more equities the better. Filing Status: Single Roth: 29% FLATX Fidelity Latin America (1.03%) 23% CIM Chimera Investment Corporation (REIT) 22% FF...
by UT_AN
Tue Feb 01, 2011 2:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review Request Young Investor
Replies: 12
Views: 2346

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