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Re: Working on rebalancing and asset allocation

Thanks for your reply. The biggest reason I have the Dodge & Cox fund is that in the 401k there aren't a lot of good choices, and that happens to be the largest account in dollars. So I had to do something besides the Spartan 500 fund without over weighting on domestic large cap and under weight...
by adam61
Thu Aug 22, 2013 9:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Working on rebalancing and asset allocation
Replies: 3
Views: 380

Working on rebalancing and asset allocation

Emergency funds: Yes 6 months of expenses if both spouses lost work, 12 months+ if a single person experienced job loss. Debt: 1st Mortgage 2.9% No Tax Deduction Pay $1,000 extra principal/month 52pmts remaining Tax Filing Status: Married Filing Jointly No Dependents Tax Rate: 28% Federal, 0% State ...
by adam61
Wed Aug 21, 2013 10:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Working on rebalancing and asset allocation
Replies: 3
Views: 380

Re: Quick 401k vs Debt question

Thanks for your response. I did not state it in the original post but I do not have enough deductions to itemize, so the effective rate is also 2.95%.
by adam61
Sat Apr 06, 2013 3:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Quick 401k vs Debt question
Replies: 7
Views: 655

Quick 401k vs Debt question

I've been utilizing 2 systems over the past few years to dramatically decrease our debt and slowly increase our 401k contributions until they max. However, I've only given basic thought to how the 2 interact and when/if I should rebalance my plan to pay off debt with my plan to grow IRA contribution...
by adam61
Fri Apr 05, 2013 5:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Quick 401k vs Debt question
Replies: 7
Views: 655

Re: New Year Checkup and Debt v. Investment help

Both my 401k and her 403b have the Dodge and Cox international Stock Fund as the only foreign option. It's currently 5% of my total portfolio. Also I was still curious if paying off my debt like I am is "ok" or too large an error to continue. I really do get value from being debt free, but...
by adam61
Sun Jan 01, 2012 11:52 am
 
Forum: Investing - Help with Personal Investments
Topic: New Year Checkup and Debt v. Investment help
Replies: 9
Views: 841

Re: New Year Checkup and Debt v. Investment help

Good tip on the X-ray I was looking for something like that and couldn't find it again. It shows I'm at 80% US Stock 12% Foreign 8% Bond. So it would seem I am only light in foreign. Which fund would be my best bet to shore that up? As far as cars I probably do buy them too often, but to clarify we ...
by adam61
Sat Dec 31, 2011 2:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Year Checkup and Debt v. Investment help
Replies: 9
Views: 841

New Year Checkup and Debt v. Investment help

Emergency funds = 1 Year+ Debt: -Student Loans $6,000@3.5% (I make triple payments on these, so 23 pmts left at current payment) -1st Mortgage $132,000@3.8% (I make double payments on this, will be paid off in 75 additional payments) -I make a total of $1,200 a month in principal only payments to th...
by adam61
Sat Dec 31, 2011 11:28 am
 
Forum: Investing - Help with Personal Investments
Topic: New Year Checkup and Debt v. Investment help
Replies: 9
Views: 841

Handling Large Savings Surplus

Emergency funds = Yes I do have this and have removed $15,000 from the Savings balance listed below to account for it. Debt: Student Loan: $8,000 Principal $100/month@3.5% Interest Mortgage: $148,000 Principal $1,100/month@3.75% Interest Tax Filing Status: Married Filing Jointly (No Children) Tax Ra...
by adam61
Sun Mar 13, 2011 1:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Handling Large Savings Surplus
Replies: 2
Views: 783

Trying to get retirement planning going (Late 20s Review)

Ages: I am 28 Wife 31, No Children til 2011 Tax Filing Status: Married Jointly Tax Rate: 28% Federal 0% State(TX) Emergency Fund: $15,000 (About 6-9 Months easily) Credit Cards/Auto Loans: $0 Student Loans: $10,000@3.5% (I can still deduct the interest I am below the phaseout) Mortgage: $170,000@5% ...
by adam61
Wed Jan 13, 2010 10:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Trying to get retirement planning going (Late 20s Review)
Replies: 6
Views: 1144

Starting a Roth IRA

Simple question I think, but if you could help me out it would be much appreciated. The next step in advancing me and my wife's retirement plan is starting up ROTH IRAs for both of us. Of course like many of you I like the Vanguard product offerings. Unlike some others though it doesn't seem like Va...
by adam61
Thu Jan 08, 2009 11:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Starting a Roth IRA
Replies: 4
Views: 933

Sounds good. Are those LifePath funds from Barclay and Vanguard pretty well recieved? I thought simplicity and indexing was the key? These seems to be invested in several funds. They are still a good choice for 100% of all of our portfolio though? Also I don't have $6,000 that I can come up with out...
by adam61
Tue Nov 11, 2008 9:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Young Investor needs help getting a real plan together
Replies: 14
Views: 1608

On the mortgage the APR from loan docs is 5.0461%
by adam61
Tue Nov 11, 2008 6:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Young Investor needs help getting a real plan together
Replies: 14
Views: 1608

Here's the 2 best options in each asset class... Her Plan: Target Plan: Barclay's Global Investor LifePath 2040 STLEX 0.73% Expense ratio Bond: PIMCO Total Return D PTTDX 0.75% Expense Ratio Large Cap: Schwab S&P500 Index SWPIX 0.35% Expense Ratio American Funds Growth Fund of America RGAEX 0.65...
by adam61
Tue Nov 11, 2008 6:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Young Investor needs help getting a real plan together
Replies: 14
Views: 1608

Well I definitely apologize if I'm wrong it may not be a very large tax savings at all. Either way it's 5% or less which I feel is pretty reasonable. Although like I've said I really get the urge to pay it off quicker than the 14yrs left on the amortization.
by adam61
Tue Nov 11, 2008 6:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Young Investor needs help getting a real plan together
Replies: 14
Views: 1608

Very good point on the interest rate. It is accurate for the student loan as that is taken before I get my AGI, but the house is in the 4.0-4.5% range which is still very good. I wasn't planning to cancel my 401k contributions. The 100% automatic ROI on mine and 50% on hers is something I could neve...
by adam61
Tue Nov 11, 2008 5:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Young Investor needs help getting a real plan together
Replies: 14
Views: 1608

Young Investor needs help getting a real plan together

I decided a few months back that even though I'm young I'd like to get a little more serious about investing for retirement and have a real plan instead of just being a "saver". I've just recently finished reading Bogle's Little Book of Common Sense Investing and The Bogleheads' Guide to I...
by adam61
Tue Nov 11, 2008 5:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Young Investor needs help getting a real plan together
Replies: 14
Views: 1608

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