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by am
Fri May 29, 2015 8:42 am
Forum: Investing - Theory, News & General
Topic: Bogleheads and international bonds
Replies: 8
Views: 704

Re: Bogleheads and international bonds

I do not use international bonds. I am not sure why I would want to diversify my anchor or safe assets, when you can't do much better than the U.S. Bonds in terms of safety and liquidity.
by am
Thu May 28, 2015 5:32 pm
Forum: Investing - Theory, News & General
Topic: "Are You Devoting Too Much Time (and Money) to Niche Asset Classes?"
Replies: 40
Views: 2976

Re: "Are You Devoting Too Much Time (and Money) to Niche Asset Classes?"

Sure valuations at the 90th percentile but have we ever had this in an environment of 0% short term rates, low inflation, low growth environment? Past performance does not predict future returns.
by am
Wed May 27, 2015 7:56 pm
Forum: Personal Consumer Issues
Topic: BMW needs new tires
Replies: 24
Views: 1816

BMW needs new tires

I have an 07 3 series which needs new tires. Does anyone know where to get a good deal on the run flat tires? Do you think the dealership has competitive pricing for these usually? Thanks.
by am
Wed May 27, 2015 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in Dollar ETF
Replies: 6
Views: 290

Re: Investing in Dollar ETF

Here at bogleheads we set an allocation based on our risk profile and goals and then rebalance to maintain it. Typically this is some percentage of stocks and bonds. We do not invest because we think something will keep going up. We typically do not invest in dollar etfs because this is speculative ...
by am
Wed May 27, 2015 4:08 pm
Forum: Investing - Help with Personal Investments
Topic: SERP retirement account [Supplemental Executive Retirement Plan]
Replies: 11
Views: 587

Re: SERP retirement account [Supplemental Executive Retirement Plan]

Usually money is held in a rabbi trust which protects the money from all but bankruptcy. Even then, a judge may decide to give you something on the dollar. I would look at the plan summary description. Additionally, if you are working for a nationally known hospital system or other strong company, c...
by am
Wed May 27, 2015 11:38 am
Forum: Investing - Help with Personal Investments
Topic: Net Worth
Replies: 12
Views: 2416

Re: Net Worth

Pension can be counted if you have left your employer and can roll it over to an IRA instead of waiting for the annuity. You can do this with Illinois pension.
by am
Mon May 25, 2015 12:44 pm
Forum: Investing - Help with Personal Investments
Topic: Commodity futures?
Replies: 3
Views: 321

Commodity futures?

Have not seen much discussion recently. Given the lows, anyone thinking of adding them? Seems like one of the few assets which does not seem overpriced?
by am
Thu May 21, 2015 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: The end of the nest egg
Replies: 30
Views: 7068

Re: The end of the nest egg

I have never seen a post from a retiree saying that they are in trouble and running out of money on bogleheads. Perhaps those that hang out on this forum are a self selecting bunch. But I think that those of us who obsess over retirement on here have little to no chance of a failed retirement assumi...
by am
Mon May 18, 2015 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: Cautionary tale regarding 401(k) rollover to IRA
Replies: 16
Views: 1846

Re: Cautionary tale regarding 401(k) rollover to IRA

Thanks. Something I would not expect. Entire process should be done electronically in my opinion.
by am
Mon May 18, 2015 2:53 pm
Forum: Personal Consumer Issues
Topic: MDs--Academics or Private Practice?
Replies: 25
Views: 2261

Re: MDs--Academics or Private Practice?

In my field of radiology, private groups are disappearing and consolidating at an alarming rate. The field has become commoditized as I am sure many others are also headed. Being an employee is undesirable as I have been in both situations. As an employee, you are at the mercy of non physician bean ...
by am
Sun May 17, 2015 9:21 am
Forum: Investing - Help with Personal Investments
Topic: Dodge and cox foreign-anyone use it?
Replies: 11
Views: 1041

Dodge and cox foreign-anyone use it?

This is the only reasonable foreign option in one of my retirement plans at er of .65. Turnover is low. Fund holds about 94 stocks. Performance has been good beating its benchmark. Another option I have it to simply overweight vanguard total international in my taxable account and have no foreign in...
by am
Sun May 17, 2015 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Question about unemployment
Replies: 1
Views: 379

Question about unemployment

Is someone who is a W2 employee on contract eligible for unemployment if their contract is not renewed? Does it matter if a specific reason for non renewal is given or not? Does anyone know if the unemployment process is all online these days or does it still require visits to an office? How does th...
by am
Sat May 16, 2015 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: Lightbulb went off around Asset Allocation
Replies: 15
Views: 1967

Re: Lightbulb went off around Asset Allocation

This is how I always thought about it but not so much in absolute numbers but % of goal. When I reach 50% goal my bond allocation will go up. Same with 75% and so on. Right now I am at about 30% goal and 30% bonds. It hurts much more to take a 50% loss when you get closer to your goal and the portfo...
by am
Mon May 11, 2015 6:40 pm
Forum: Investing - Theory, News & General
Topic: International - Who really is at 40%
Replies: 93
Views: 6713

Re: International - Who really is at 40%

I was at 40% or so long before "experts" recommended more foreign. Now I guess I am where I need to be :)
by am
Mon May 11, 2015 6:19 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity asset levels question
Replies: 7
Views: 574

Re: Fidelity asset levels question

Yes I will stick with VAnguard. Was thinking of transferring IRA assets there where 401k is to do backdoor Roths. Probably not worth it at this time.
by am
Mon May 11, 2015 6:17 pm
Forum: Investing - Help with Personal Investments
Topic: Net versus gross expense ratio for fidelity fund question
Replies: 4
Views: 348

Re: Net versus gross expense ratio for fidelity fund question

So if it is an employer 401k than am I paying the full amount? Under the fund tab on their website they have a gross and net expense. Hope I am paying the lower of the two.
by am
Mon May 11, 2015 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity asset levels question
Replies: 7
Views: 574

Re: Fidelity asset levels question

Thanks but I was asking about Fidelity.
by am
Mon May 11, 2015 4:03 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity asset levels question
Replies: 7
Views: 574

Fidelity asset levels question

Does Fidelity have tiers of investment assets like Vanguard (voyager, flagship etc)? What are the perks if any? I could not find anything on their site.
by am
Mon May 11, 2015 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: Net versus gross expense ratio for fidelity fund question
Replies: 4
Views: 348

Net versus gross expense ratio for fidelity fund question

I own FSGUX Spartan ex us index fund investor class with a gross expense ratio as of 12/31/2014 of .34 and net ratio of .22. On my Vanguard outside accounts section expense ratio is listed as .34. Which one am I paying and if it is the lower, is this an error on the Vanguard page?
by am
Mon May 11, 2015 8:50 am
Forum: Investing - Help with Personal Investments
Topic: Back door Roth IRA opinion wanted
Replies: 5
Views: 267

Re: Back door Roth IRA opinion wanted

Investments in 401k are comparable to Vanguard index funds. Age is early 40s.
by am
Mon May 11, 2015 8:35 am
Forum: Investing - Help with Personal Investments
Topic: Back door Roth IRA opinion wanted
Replies: 5
Views: 267

Back door Roth IRA opinion wanted

I would like to place 10k a year into a Roth IRA for wife and myself. Problem is that income is at 33% bracket and I have about 300k in Vanguard IRAs. I am maxing out all other tax deferred vehicles, 529, HSA, including placing some money into a non gov 457b. To open a Roth, I would have to transfer...
by am
Mon May 04, 2015 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Who uses non gov 457b and why?
Replies: 29
Views: 1523

Re: Who uses non gov 457b and why?

Does anyone know how assets are distributed in bankruptcy? Does a judge determine who gets what? I remember reading that 457b account holders are last in line, but can not find the source. Also, how does it work when there is change in ownership, leadership or tax status from exempt to non exempt? H...
by am
Sun May 03, 2015 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: non-governmental 457b vs. taxable account
Replies: 16
Views: 1470

Re: non-governmental 457b vs. taxable account

Many plans let you get distributions over years. This may make the tax bite less. As far as risks, agree with neurosphere. Depends, no right answer. I used to be worried about my nationally known university hospital going bankrupt. But now I am probably going to invest about 5k each year (number wif...
by am
Sun May 03, 2015 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Who uses non gov 457b and why?
Replies: 29
Views: 1523

Re: Who uses non gov 457b and why?

How many nationally known university hospitals have closed/gone bankrupt over time? I am not aware of any but have not researched extensively. Anyone know cases where 457b were lost to creditors? I would think that most, maybe not all, university hospitals are governmental rather than non-governmen...
by am
Sun May 03, 2015 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Who uses non gov 457b and why?
Replies: 29
Views: 1523

Re: Who uses non gov 457b and why?

Is bond rating for a university hospital a good gauge of creditor risk? How many nationally known university hospitals have closed/gone bankrupt over time? I am not aware of any but have not researched extensively. Anyone know cases where 457b were lost to creditors? I feel like this risk is overblo...
by am
Sun May 03, 2015 7:08 am
Forum: Personal Finance (Not Investing)
Topic: Who uses non gov 457b and why?
Replies: 29
Views: 1523

Re: Who uses non gov 457b and why?

Another concern I have is that if not close to retirement age say <50, if you switch jobs, you will be given distributions potentially at the same or higher bracket. This is another losing scenario for me. But otherwise I would be investing with a AA rated institution according to Moody. Market risk...
by am
Sun May 03, 2015 7:03 am
Forum: Personal Finance (Not Investing)
Topic: Who uses non gov 457b and why?
Replies: 29
Views: 1523

Re: Who uses non gov 457b and why?

I have seen private 457 plans that were not in fact backed by the big name institution, but by a sub fund which was more vulnerable. Generally is there one 457b for an entire university and hospital- say Yale and Harvard or other big name, or are there separate 457b for each? I can see a university...
by am
Sat May 02, 2015 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Who uses non gov 457b and why?
Replies: 29
Views: 1523

Who uses non gov 457b and why?

Seems like there are so many negatives. I am curious to see if any bogleheads use this plan and why? Or is this plan nearly always discouraged by bogleheads?
by am
Sat May 02, 2015 8:58 pm
Forum: Forum Issues and Administration
Topic: Forum is now back ONLINE!
Replies: 45
Views: 1559

Re: Forum is now back ONLINE!

I can't post a poll. Can someone tell me where to find this feature?
by am
Sat May 02, 2015 8:08 pm
Forum: Investing - Help with Personal Investments
Topic: non-governmental 457b vs. taxable account
Replies: 16
Views: 1470

Re: non-governmental 457b vs. taxable account

For doctors, one additional consideration is that the funds in a 457b may be protected from your creditors in the event of a settlement exceeding your limits.
by am
Thu Apr 30, 2015 8:06 pm
Forum: Investing - Help with Personal Investments
Topic: ETF versus Funds
Replies: 32
Views: 2489

Re: ETF versus Funds

I use etfs for my.3 funder but am too deep in to change back to funds. I hate that every 2 weeks I have to transfer the money from my pay check to vanguard MM, make sure the money is available after trade + 3 days. I can never use the full amount I transferred since you can't buy fractional shares o...
by am
Sun Apr 26, 2015 7:02 pm
Forum: Investing - Help with Personal Investments
Topic: Solo 401k versus taxable savings/investing
Replies: 10
Views: 385

Re: Solo 401k versus taxable savings/investing

Thanks for you responses DSInvestor.

To all the readers, is investing in a tax efficient taxable account preferable to tax deferred accounts like 401k? Seems like capital gains get preferential tax treatment and future tax brackets are unknown and may rise.
by am
Sun Apr 26, 2015 5:07 pm
Forum: Investing - Help with Personal Investments
Topic: Solo 401k versus taxable savings/investing
Replies: 10
Views: 385

Re: Solo 401k versus taxable savings/investing

Do you know what the contribution limit is? Is it the total of her quarterly payrolls or net business income? Also how does the employer contribution work? Can you match as much as you want as long as you do not exceed 53k or so? Do accountants typically charge extra for maintenance of such an accou...
by am
Sun Apr 26, 2015 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: Solo 401k versus taxable savings/investing
Replies: 10
Views: 385

Re: Solo 401k versus taxable savings/investing

It is an s corporation. She does quarterly payrolls. No employees. Does this change eligibility for solo 401k?
by am
Sun Apr 26, 2015 4:55 pm
Forum: Investing - Help with Personal Investments
Topic: Solo 401k versus taxable savings/investing
Replies: 10
Views: 385

Re: Solo 401k versus taxable savings/investing

No she has an independent Web business from home so no retirement accounts for her other than a SEP we opened years ago. Out of the 30k or so she makes, her payrolls amount to maybe 12k over the year or so. Would the contribution limit to a solo 401k be 12k or is it higher?
by am
Sun Apr 26, 2015 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: Solo 401k versus taxable savings/investing
Replies: 10
Views: 385

Solo 401k versus taxable savings/investing

My wife makes about 20-30k business income. We are in the 33% bracket overall. I max 401k, HSA and use taxable investing. Does it make sense to open a solo 401k for my wife's business and take some of the taxable investing/saving we do and instead place as much as possible into a solo 401k? Thanks.
by am
Sun Apr 26, 2015 7:54 am
Forum: Personal Consumer Issues
Topic: 25 year old baseball cards and coins worth anything?
Replies: 16
Views: 3219

Re: 25 year old baseball cards and coins worth anything?

1980s baseball wax boxes consisting of individual packs from about 1980-1986 routinely sell on eBay between 50-300 dollars depending on the year. I bought some of these years back. Nice to look at them occasionally. Brings back memories of childhood.
by am
Sat Apr 25, 2015 8:41 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Short term inflation fund for emergency fund?
Replies: 1
Views: 346

Vanguard Short term inflation fund for emergency fund?

If my goal for a sizable cash emergency fund is to keep up with inflation, is this a better choice than CDs and high yield savings account? I can tolerate say less than 5% loss in this fund.
by am
Sat Apr 25, 2015 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: Cash as an asset class?
Replies: 35
Views: 3006

Re: Cash as an asset class?

Cash is not correlated with stocks and bonds and can help diversify a portfolio. Before the Great Recession, cash actually had a nice return. Could not believe it but Vanguard MM from 07 was returning 4-5%. In some years cash, CDs, MM probably beat stocks and bonds.
by am
Sat Apr 25, 2015 5:17 pm
Forum: Investing - Help with Personal Investments
Topic: Cash as an asset class?
Replies: 35
Views: 3006

Re: Cash as an asset class?

So does your emergency fund increase as your portfolio grows? Seems like it should be the other way.
by am
Mon Apr 20, 2015 6:10 pm
Forum: Investing - Theory, News & General
Topic: Marketplace Lending as an Asset Class
Replies: 6
Views: 615

Re: Marketplace Lending as an Asset Class

I have not invested. Seems like the time and effort for 5% of portfolio is not worth it for me. Maybe if it is like a hobby? Why not just use a high yield muni or junk bond fund?
by am
Mon Apr 20, 2015 5:53 pm
Forum: Investing - Theory, News & General
Topic: Has anyone changed their asset allocation
Replies: 58
Views: 3569

Re: Has anyone changed their asset allocation

No changes for me. I am saving as much as I reasonably can and I will be thankful for whatever the stock and bond markets give me over my investment lifetime. I am not sure I understand why Vanguard recommends 40% international now. Sounds like market timing based on valuations. Didn't they learn fr...
by am
Mon Apr 20, 2015 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: Cash as an asset class?
Replies: 35
Views: 3006

Cash as an asset class?

Anyone have cash as part of their allocation? Just simple money market or FDIC savings account? Say a percentage of fixed assets so if bonds grow you sell some to maintain ratio of cash?
by am
Mon Apr 20, 2015 5:26 pm
Forum: Investing - Help with Personal Investments
Topic: Basic ETF question
Replies: 3
Views: 315

Re: Basic ETF question

Nothing will happen. Just make sure to set it for automatic reinvestment of dividends. Understand what fees if any there may be if your balance is on the low side.
by am
Sun Apr 19, 2015 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: Using Zillow/Zestimate to value a home?
Replies: 43
Views: 4868

Re: Using Zillow/Zestimate to value a home?

Zillow provides a value range. In my area, this works for most houses. Obviously higher end of the range will be updated houses on great lots, etc.
by am
Sun Apr 19, 2015 9:45 pm
Forum: Investing - Theory, News & General
Topic: Can Shiller's PE10 (CAPE) Get Any More Discredited?
Replies: 81
Views: 6133

Re: Can Shiller's PE10 (CAPE) Get Any More Discredited?

I like the quote about market staying irrational longer than we can stay solvent. Stay the course. We may be on a long ride to PE 10= 65. Or maybe not :D
by am
Sun Apr 19, 2015 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Non Qualified Plan
Replies: 5
Views: 537

Re: Non Qualified Plan

The money you contribute is the property of the company until distribution time. I can not tolerate being one of the last in line creditors if the company goes under. We all know so called stable large companies that went under. Despite how much I want to sock away more pre tax money, I do not want ...
by am
Sun Apr 05, 2015 3:04 pm
Forum: Investing - Help with Personal Investments
Topic: Non-government 457b strategy
Replies: 1
Views: 207

Non-government 457b strategy

I have maxed out all tax deferred space and am currently investing excess funds In taxable. The non-gov 457b has obvious downsides but I work for a major health care organization so chances of failure are low. I am in the 33% fed. bracket and 5% state so I would be able to invest 18000 instead of th...
by am
Sat Mar 28, 2015 10:08 am
Forum: Investing - Help with Personal Investments
Topic: Taxable savings vs versus deferred non 401k/403b
Replies: 5
Views: 352

Re: Taxable savings vs versus deferred non 401k/403b

Not eligible due to income. Have a lot in IRA so conversions would be expensive right now.
by am
Sat Mar 28, 2015 9:16 am
Forum: Investing - Help with Personal Investments
Topic: Taxable savings vs versus deferred non 401k/403b
Replies: 5
Views: 352

Re: Taxable savings vs versus deferred non 401k/403b

Tough to say right now but hoping to be able to retire by mid 50s.

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