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Re: Index funds in taxable, TR in tax-deferred?

I was thinking the OP would simply use M* X-ray and see they need more bonds, so would shift from a TR 2050 to a TR 2030. And then in a few years of equities gains shift to a TR 2015 even and if that didn't do it, then to a bond fund. If the equities dropped, then OP would shift from 2030 back up t...
by bluesun
Sun Feb 02, 2014 7:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Index funds in taxable, TR in tax-deferred?
Replies: 9
Views: 547

Re: Index funds in taxable, TR in tax-deferred?

If you can share your target asset allocation along with the percentage breakdown in each account today plus new contributions we can see if there is an easy way to do this. Hi Laura, I think I've convinced myself that the allocation above will do what I want :) My portfolio is the following: Targe...
by bluesun
Sun Feb 02, 2014 6:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Index funds in taxable, TR in tax-deferred?
Replies: 9
Views: 547

Re: Index funds in taxable, TR in tax-deferred?

The problem is that this doesn't help with simplicity. Your taxable and tax-deferred accounts won't grow at the same rate (both because they have holdings with different growth rates and because you will contribute the same amount to tax-deferred every year but your taxable investments will vary), ...
by bluesun
Sun Feb 02, 2014 6:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Index funds in taxable, TR in tax-deferred?
Replies: 9
Views: 547

Re: Index funds in taxable, TR in tax-deferred?

Thanks Laura. I've got a 3-fund portfolio, so right now all my stocks are in my taxable account, but it's a bit tricky maintaining the asset allocation across a Roth IRA and a 401k. The first idea was to pick a more conservative TR fund to balance out the taxable account. I realized I can also just ...
by bluesun
Sun Feb 02, 2014 6:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Index funds in taxable, TR in tax-deferred?
Replies: 9
Views: 547

Index funds in taxable, TR in tax-deferred?

I'm trying to figure out a way to make rebalancing a bit easier since I'm dollar-cost-averaging. Suppose I have $100 in my taxable accounts (all of them stock index funds) and $100 in my tax deferred accounts (401k and Roth IRA). If my goal is to have a 80% Stock / 20% Bond split, I buy a Target Ret...
by bluesun
Sun Feb 02, 2014 4:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Index funds in taxable, TR in tax-deferred?
Replies: 9
Views: 547

Re: Helping sibling (30 years old) invest?

Good point on the risk tolerance, thanks!
by bluesun
Mon Oct 07, 2013 2:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Helping sibling (30 years old) invest?
Replies: 2
Views: 755

Helping sibling (30 years old) invest?

My sibling is looking for investing help and I'd like to give them as simple a strategy as possible to follow. My sibling is about 30 years of age and I'm suggesting that they open a Vanguard account. I'd like to tell them that for their retirement accounts (Roth, Rollover IRAs) to pick a target dat...
by bluesun
Mon Oct 07, 2013 11:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Helping sibling (30 years old) invest?
Replies: 2
Views: 755

Re: Personal Rate of Return - Annualized?

livesoft wrote:They are annualized.


Great, thanks for the quick response. Makes me feel better about my 5-year performance. :)
by bluesun
Fri Dec 21, 2012 1:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Personal Rate of Return - Annualized?
Replies: 2
Views: 272

Personal Rate of Return - Annualized?

Is the Personal Rate of Return that Vanguard gives you annualized? For instance, Vanguard gives me something like: 5-year personal rate of return: 5% 3-year personal rate of return: 4% 1-year personal rate of return: 10% Are the 3 and 5-year numbers annualized or does it mean I've only made 5% total...
by bluesun
Fri Dec 21, 2012 12:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Personal Rate of Return - Annualized?
Replies: 2
Views: 272

I'm also using this on Mac (10.5.8) and I have Firefox 4.0.1.
by bluesun
Mon Jun 13, 2011 11:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Firefox and Alliant Estatements Error
Replies: 2
Views: 318

Firefox and Alliant Estatements Error

Does anyone use Firefox with Alliant? I am getting the following error when I try and use estatements: This Connection is Untrusted You have asked Firefox to connect securely to estatements.alliantcreditunion.com, but we can't confirm that your connection is secure. Normally, when you try to connect...
by bluesun
Mon Jun 13, 2011 11:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Firefox and Alliant Estatements Error
Replies: 2
Views: 318

Ah, thanks for the information. I had been looking to move my emergency fund elsewhere and I had been hoping I'd be able to downsize the number of logins I needed.
by bluesun
Mon Jun 13, 2011 10:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Login the same for Capitol One savings and credit cards?
Replies: 2
Views: 375

Login the same for Capitol One savings and credit cards?

I was wondering if the login system is the same for capital one credit cards and their savings account? Just trying to reduce the number of websites I have to login to.
by bluesun
Mon Jun 13, 2011 2:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Login the same for Capitol One savings and credit cards?
Replies: 2
Views: 375

I'm not a doctor, but I read Mountains Beyond Mountains (about Dr. Paul Farmer, co-founder of Partners in Health) and thought it was amazing.
by bluesun
Sun Feb 27, 2011 3:04 pm
 
Forum: Personal Consumer Issues
Topic: Recommended reads for 16 year old wanting to be a physician?
Replies: 54
Views: 4343

Re: Will money market funds ever improve?

I was just trying to understand if bonds could provide a higher return than the savings accounts in this current environment. With the current rates it doesn't seem that bonds offer any advantage over the savings accounts. How about an ultrashort bond fund such as SIGVX? While it does not come with...
by bluesun
Sun Nov 21, 2010 6:19 pm
 
Forum: Investing - Theory, News & General
Topic: Will money market funds ever improve?
Replies: 17
Views: 2286

Re: Will money market funds ever improve?

It's also possible that savings accounts will fall further in yield. With interest rates close to what they are now, we've seen savings accounts fall from the 3% range to (at most) just over 1%, so it's certainly possible that they'll fall further. To what extent it's worth chasing yields from one ...
by bluesun
Sun Nov 21, 2010 4:57 pm
 
Forum: Investing - Theory, News & General
Topic: Will money market funds ever improve?
Replies: 17
Views: 2286

Re: Will money market funds ever improve?

In rough order of desirability/ increasing risk: - CDs, within FDIC limits, where they pose attractive interest rates in a 'ladder' up to your need for cash (eg 6m, 1 year, 2 year) or with a cashable right-- beware risky banks paying high interest rates and cashable CDs that are not (you have to re...
by bluesun
Sun Nov 21, 2010 1:22 pm
 
Forum: Investing - Theory, News & General
Topic: Will money market funds ever improve?
Replies: 17
Views: 2286

Yeah, conceptually it seems like you're buying slightly longer time-frame investments (on the 2-year timescale) as opposed to the shorter term. But at least at the end of each year you haven't lost any money, if the performance chart is right for VBISX. I'll probably wait on it a while more before m...
by bluesun
Sun Nov 14, 2010 2:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Short Term Bond Funds and Rising Interest Rates
Replies: 2
Views: 1145

Short Term Bond Funds and Rising Interest Rates

Is 2003-2007 a reasonable period to look at if I want to see how short-term bond funds worked in a rising interest rate environment? I'm comparing http://www.pfstuff.com/savings/ with the total return of https://personal.vanguard.com/us/funds/snapshot?FundId=0132&FundIntExt=INT#hist=tab%3A1a to ...
by bluesun
Sat Nov 13, 2010 3:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Short Term Bond Funds and Rising Interest Rates
Replies: 2
Views: 1145

I looked at my VFWIX account and I'll definitely have to pay short-term capital gains tax if I made the switch. I've only been investing in the taxable version for a little over a year, and buying regularly every few months. I originally bought into VFWIX because of the arguments I read here about u...
by bluesun
Sat Oct 02, 2010 1:32 pm
 
Forum: Investing - Theory, News & General
Topic: [POLL] Who's switching from VFWIX to VGTSX?
Replies: 62
Views: 8589

Darn. If I had known, I would have just bought Total International in the taxable account last year instead of VFWIX! :) Now there are some sort of tax implications for exchanging into Total International, so I guess the question is do I keep buying VFWIX, or start directing new contributions to VGT...
by bluesun
Sun Sep 26, 2010 12:42 pm
 
Forum: Investing - Theory, News & General
Topic: VG Total International changes coming..
Replies: 145
Views: 27195

Landy, that's what I was getting at. We're all investing for retirement, but if it's so far away, the infinite uncertainties mean that a rule of thumb like age in bonds - 10 is probably about as accurate as you can get. :)
by bluesun
Fri Sep 10, 2010 2:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: How fast to change a bond allocation?
Replies: 16
Views: 2842

Thank you for all the replies. Adrian, My portfolio is basically total stock market, total international, and total bond market. At some point I plan on doing the 50/50 total bond market / tips thing. In the big crash of 2008-2009 I stayed at 90/10. I rebalanced twice by selling bonds and buying sto...
by bluesun
Fri Sep 10, 2010 3:41 am
 
Forum: Investing - Help with Personal Investments
Topic: How fast to change a bond allocation?
Replies: 16
Views: 2842

How fast to change a bond allocation?

I've got an asset allocation of about 90/10 right now, and I'd like to switch to age-10 in bonds, so 80/20. How should I manage this transition? Should I essentially just buy 100% bonds until I get to 80/20? Should I move in a slow fashion? I.e. next year, go to 87/13, then 84/16, 81/19, etc until I...
by bluesun
Wed Sep 08, 2010 9:23 am
 
Forum: Investing - Help with Personal Investments
Topic: How fast to change a bond allocation?
Replies: 16
Views: 2842

Combining Long and Short Term Asset Allocation

For retirement savings, the advice is usually to have an asset allocation that is weighted towards stocks, so a guideline like age in bonds is suggested. For intermediate term goals, where you're not quite sure when you'll need it (college for your kids - if you have any, a house), you want somethin...
by bluesun
Sat May 22, 2010 12:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Combining Long and Short Term Asset Allocation
Replies: 1
Views: 377

I wasn't planning on making a checking account, I just was trying to figure out how it differed. I didn't realize the recordkeeping implications of selling shares of bond funds. I was trying figuring out how liquid it would be, since I had read that short-term bond funds and money market funds aren'...
by bluesun
Fri May 21, 2010 2:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Taxes for Stocks, Mutual Funds, Bond Funds, Money Market
Replies: 12
Views: 1240

Taxes for Stocks, Mutual Funds, Bond Funds, Money Market

I was thinking about this today and I realized I don't know how this works. Maybe this is an obvious question, if so hopefully someone can point me to the answer. If I buy one unit of stock for $100, and sell it when it gets to $200, my capital gains is $100, and I pay some tax on $200-$100 = $100, ...
by bluesun
Thu May 20, 2010 6:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxes for Stocks, Mutual Funds, Bond Funds, Money Market
Replies: 12
Views: 1240

Thanks for all the suggestions. The 60/40 plan sounds interesting, but perhaps a little more complicated that what I had wanted. :) I was considering some version of putting the 'house money' into perhaps Target Retirement Income (if I was feeling ambitious), or perhaps one of the short-term bond fu...
by bluesun
Thu May 20, 2010 1:25 am
 
Forum: Investing - Help with Personal Investments
Topic: After emergency fund filled, then what?
Replies: 11
Views: 2687

After emergency fund filled, then what?

I noticed recently that my emergency fund is about equal to 12 months of expenses, which is sitting in an online savings account earning 1.5%. I've also maxed out my 401k (don't qualify for a Roth IRA). I'm trying to decide what I should do now with the new money I have coming in. My retirement allo...
by bluesun
Mon May 17, 2010 11:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: After emergency fund filled, then what?
Replies: 11
Views: 2687

When you say Basic has all the forms, does that mean Deluxe/Premier have no benefit? Does basic have a wizard / question & answer dialog that helps you fill out that form or is that limited to Deluxe/Premier?
by bluesun
Thu Feb 11, 2010 9:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which level of TurboTax: Deluxe or Premier?
Replies: 23
Views: 10100

I haven't followed Alliant's rate history very closely, but I do know that I had thought about switching to Schwab High Yield Savings, which used to be somewhere around 2% and then it dropped to 1%. Similarly, I think American Express Savings was at 2% and now it's down to 1.5%. So I'm just wonderin...
by bluesun
Tue Dec 29, 2009 12:51 pm
 
Forum: Investing - Theory, News & General
Topic: Why Not Use Alliant Credit Union?
Replies: 25
Views: 6572

The other thing I wonder about is how can Alliant provide such good interest rates on savings? The difference between ING Direct and Alliant is only .7%, which works out to $70 per $10,000 you have to save. According to the fatwallet thread: http://www.fatwallet.com/forums/finance/783099/ Alliant is...
by bluesun
Tue Dec 29, 2009 10:37 am
 
Forum: Investing - Theory, News & General
Topic: Why Not Use Alliant Credit Union?
Replies: 25
Views: 6572

I've been an alliant member for 10 months, and I just moved $13,000 in one day from Alliant via push to wells trade for nondeductible iras and some taxible investing. It went through no prob. So you initiated from Alliant savings, not checking? The last I read there was definitely a 10k/day limit f...
by bluesun
Mon Dec 28, 2009 12:19 pm
 
Forum: Investing - Theory, News & General
Topic: Why Not Use Alliant Credit Union?
Replies: 25
Views: 6572

The one thing stopping me is the ACH limit of 10K/day. That, combined with the limit of 6 transfers in a month means there's a limit to how much money I can ACH in one month. It's just a psychological thing, I know, but it makes me feel my money is less accessible. The 10K limit is for Alliant init...
by bluesun
Mon Dec 28, 2009 12:18 pm
 
Forum: Investing - Theory, News & General
Topic: Why Not Use Alliant Credit Union?
Replies: 25
Views: 6572

The one thing stopping me is the ACH limit of 10K/day. That, combined with the limit of 6 transfers in a month means there's a limit to how much money I can ACH in one month. It's just a psychological thing, I know, but it makes me feel my money is less accessible. checks? (transfer to checking fir...
by bluesun
Sun Dec 27, 2009 10:05 pm
 
Forum: Investing - Theory, News & General
Topic: Why Not Use Alliant Credit Union?
Replies: 25
Views: 6572

The one thing stopping me is the ACH limit of 10K/day. That, combined with the limit of 6 transfers in a month means there's a limit to how much money I can ACH in one month.

It's just a psychological thing, I know, but it makes me feel my money is less accessible.
by bluesun
Sun Dec 27, 2009 1:07 pm
 
Forum: Investing - Theory, News & General
Topic: Why Not Use Alliant Credit Union?
Replies: 25
Views: 6572

You may want to further clarify your goals in order to chose an appropriate investment. How much do you have to put away? Will you be contributing to the fund on a regular basis? How much do you need for a down payment and when will you likely need it? How much risk are you willing to take with thi...
by bluesun
Sat Dec 26, 2009 8:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to save for a house now that emergency fund is filled?
Replies: 2
Views: 930

How to save for a house now that emergency fund is filled?

I'm 30, and have a good job. I'm able to max out my 401k; currently at 90/10 Stocks/Bonds, and will start adjusting that by +2% bonds every year until I catch up to Bonds=Age. I also have about 12 months of expenses in an emergency fund in an online savings account. Now that I've filled out the imme...
by bluesun
Sat Dec 26, 2009 1:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to save for a house now that emergency fund is filled?
Replies: 2
Views: 930

Just another point to consider on charities is http://www.givewell.net which also tries to rate charities based on effectiveness. It's an alternate point of view from Charity Navigator and I've found their ideas useful in evaluating charities.
by bluesun
Mon Nov 09, 2009 10:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Charity Navigator and their rating system....
Replies: 7
Views: 1338

Saving for a house + asset allocation

I have some company stock vesting soon. I know you're supposed to treat vesting as getting a large lump sum of cash. I had been planning to sell it all and put it into some index funds according to my asset allocation plan. However, I realized I'll probably be trying to buy a house in 5 years or so ...
by bluesun
Sat Jul 25, 2009 12:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Saving for a house + asset allocation
Replies: 1
Views: 721

From what a Schwab rep told me, you can setup their Moneylink system which will allow you to transfer money from your brokerage account to your savings/checking account; thus allowing you use their local brokerages branches almost like a bank, atleast for what Kramer has described above. I'm pretty...
by bluesun
Mon Jul 20, 2009 1:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: The Charles Schwab trifecta?
Replies: 45
Views: 7673

Duration of CD Ladder for Emergency Savings?

My emergency savings is in ING. I've been thinking about splitting half of my emergency savings into a cd ladder, but I don't know what the duration should be. I guess ideally you want a CD maturing every month or so, but with each CD a minimum of 1000, it seems that using 5-year cds would require 6...
by bluesun
Sun Jun 14, 2009 7:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Duration of CD Ladder for Emergency Savings?
Replies: 3
Views: 1201

Life Insurance for Parents

I have a question. My parents have a variable universal life insurance policy that is invested in some really terrible mutual funds. The account value is very low < 10K; the surrender value is almost negligible < 2K. The death benefit is 225K. My understanding is that life insurance is really meant ...
by bluesun
Sat Jun 06, 2009 1:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Life Insurance for Parents
Replies: 1
Views: 608

Also the money market has an expense ratio of .2 (or so), which reduces it again to the online savings.

I've stuck with ING direct for a few years, and to my knowledge they've almost always been ahead of prime money market. I'd like to see a chart that compared the two, however.
by bluesun
Sun May 24, 2009 2:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why do Money Market Funds Suck?
Replies: 23
Views: 5963

Books on retirement planning

My parents are getting to the retirement age and have asked me for advice. Reading bogleheads over the last few years, I have a pretty good idea of asset allocation, but don't know much else about living trusts, wills, proper ways of using social security, managing distributions from taxable/401k/ir...
by bluesun
Sun May 24, 2009 9:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Books on retirement planning
Replies: 6
Views: 1821

When you buy a big ticket item with a debit card and then you return it, my experience has been they will try and give you the money in cash - and I never want to carry that large sum of cash on me. A credit card just gets credited.
by bluesun
Sun May 24, 2009 9:22 am
 
Forum: Personal Finance (Not Investing)
Topic: what can't you do, w/o a credit card?
Replies: 59
Views: 7537

Anyone have links to studies/news stories about houses as investments? I've been getting a similar pitch and would like to find some more authoritative reasons why it would (or would not be) a good idea.
by bluesun
Sun May 24, 2009 9:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Buy a house?
Replies: 13
Views: 2179

bob90245 wrote:
Mel Lindauer wrote:Getting correct information twice is a whole lot better than not getting it at all, Bob. :D

And must be even better getting correct information three times! :D


Thanks! I looked at the table too hastily - glad there are so many sharp eyes around :)
by bluesun
Thu May 21, 2009 10:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just trying to understand SWR better
Replies: 12
Views: 2255

.....on SWR...... one of the things not often mentioned on this forum when discussing the 4%-SWR for 30 years is...." the portfolio asset allocation" it is based on: the Trinity study is often mentioned, and it is a good reference , but i'm looking at it now...and viewing table-3 (adj.for...
by bluesun
Thu May 21, 2009 9:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Just trying to understand SWR better
Replies: 12
Views: 2255
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