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Re: Directing asset allocation for early retirement

My goal is to retire early with just my taxable account available. My retirement accounts are 70/30 and my taxable account is 50/50. I am not following the rules of including my taxable account into my whole portfolio. My taxable account will be strictly for early retirement.
by bulldog1
Tue Jul 15, 2014 1:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Directing asset allocation for early retirement
Replies: 13
Views: 1594

Re: Portfolio Review

Taylor,

Thanks for pointing that out. The post has been updated.
by bulldog1
Sun May 11, 2014 4:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 3
Views: 356

Portfolio Review

Emergency Funds: 3-6 months Debt: Debt free, no kids and mortgage recently paid off. Tax Filing Status: Married filing jointly. Tax Rate: Federal:25% State:6.5% State of residence: Wisconsin Age: 38 and 36 Desired Asset Allocation: 72% stocks, 28% bonds (Age in bonds minus 10) Desired International ...
by bulldog1
Sun May 11, 2014 2:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 3
Views: 356

403(b) Fund Selection Help

All- My wife's employer will be changing their 403(b) provider. She is currently with ING and holds the Vanguard Target Retirement Fund 2035. My goal with this new provider is try to mimic the Vanguard fund and follow the glide path with re-balancing once a year. Below are the available funds with e...
by bulldog1
Thu May 08, 2014 4:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: 403(b) Fund Selection Help
Replies: 2
Views: 253

Re: How long to pay off your mortgage?

I paid off the mortgage earlier this month. Such a great feeling walking into the credit union and having the teller transfer the money. My stress level is next to nothing, even at work. I just feel more free, healthy and peace of mind.
by bulldog1
Tue Apr 29, 2014 9:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: How long to pay off your mortgage?
Replies: 66
Views: 15164

Re: Pay Off Mortgage

Hello All. I am 38 years old and my wife is 36 years old. We have a 6 month emergency fund, max out our retirement accounts and invest in a taxable account. We have $82,000 left on the mortgage at 3.875% for 15 years. The value of the taxable account is $106,300. The asset allocation is a 60/40 of ...
by bulldog1
Thu Apr 03, 2014 12:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay Off Mortgage
Replies: 56
Views: 4038

Re: Pay Off Mortgage

This is eerily similar to our situation in Summer of 2007. I was 37 and we had accumulated about $100k in our blue chip employer stock from ESPP and Stock option acquisitions. We owed $80k on our mortgage ($320k house). I was in favor of paying off the mortgage. My wife thought we should ride the s...
by bulldog1
Wed Apr 02, 2014 10:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay Off Mortgage
Replies: 56
Views: 4038

Re: Pay Off Mortgage

Here is how I see it. I can own my home free and clear, have zero debt and continue to invest with risk. The other option is having the risk of losing the house and the risk of investing. I like the first option.
by bulldog1
Wed Apr 02, 2014 8:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay Off Mortgage
Replies: 56
Views: 4038

Re: Pay Off Mortgage

It seems the majority are for paying it off. It will be nice to see the $700 dollar mortgage payment will be redirected to the taxable account.
by bulldog1
Wed Apr 02, 2014 7:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay Off Mortgage
Replies: 56
Views: 4038

Re: Pay Off Mortgage

bigred77 wrote:What is your tax bracket? 25%

Do you have any cash flow issues? No

What is the current LTV on the mortgage? 50.31%

Do you have any plans to move in the next few years? No
by bulldog1
Wed Apr 02, 2014 5:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay Off Mortgage
Replies: 56
Views: 4038

Re: Pay Off Mortgage

After I pay off the mortgage, I will contact my home owner's insurance provider letting them know I paid off the mortgage. Is there anything else I need to do?
by bulldog1
Wed Apr 02, 2014 4:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay Off Mortgage
Replies: 56
Views: 4038

Pay Off Mortgage

Hello All. I am 38 years old and my wife is 36 years old. We have a 6 month emergency fund, max out our retirement accounts and invest in a taxable account. We have $82,000 left on the mortgage at 3.875% for 15 years. The value of the taxable account is $106,300. The asset allocation is a 60/40 of V...
by bulldog1
Wed Apr 02, 2014 3:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay Off Mortgage
Replies: 56
Views: 4038

Re: Muni Bond Question

Thank you for the responses everyone. I will most likely stay with intermediate but only a 2 year duration difference isn't much.

Best of both worlds isn't a bad idea, half in intermediate and half in long.
by bulldog1
Sun Mar 09, 2014 10:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Muni Bond Question
Replies: 10
Views: 669

Muni Bond Question

I currently hold Vanguard Intermediate-Term Tax-Exempt Fund Investor Shares in my taxable account because I am maxed out on bonds in my tax-advantaged accounts and I am meeting my bond allocation according to my AA. I am comparing Vanguard Intermediate-Term Tax-Exempt Fund Investor Shares vs Vanguar...
by bulldog1
Sun Mar 09, 2014 8:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Muni Bond Question
Replies: 10
Views: 669

Re: Tax Exempt Bonds - Risks Involved

I have to admit I've never really given this any thought. My wife and I have TIPS and TBM in our tax-advantaged accounts, and munis in our taxable accounts. I just figured this was pretty standard Boglehead way of doing things. The ratio of munis to the other bonds is something like 75/25 (rough gu...
by bulldog1
Thu Mar 06, 2014 1:03 pm
 
Forum: Investing - Theory, News & General
Topic: Tax Exempt Bonds - Risks Involved
Replies: 76
Views: 4275

Re: Tax Exempt Bonds - Risks Involved

I am in the exact situation abuss368 explains. Close to 50% of my bonds are intermediate-term tax-exempt. ogd, do you hold Vanguard Intermediate-Term Treasury Fund Investor Shares/admiral in your taxable for bond diversity? What percentage in taxable? I have the same concern as abuss368. You're will...
by bulldog1
Thu Mar 06, 2014 1:43 am
 
Forum: Investing - Theory, News & General
Topic: Tax Exempt Bonds - Risks Involved
Replies: 76
Views: 4275

Re: How to invest $1.4 mil inheritance?

If this happened to me, I would: 1. Pay off mortgage. 2. Invest it in the 3 fund portfolio in taxable. 50/50 * Total Stock Market * Total International Market * Intermediate Term Tax Exempt (in place of Total Bond Market). Then move on with your life and re-balance with new money when needed. Simpli...
by bulldog1
Sun Feb 23, 2014 12:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to invest $1.4 mil inheritance?
Replies: 74
Views: 7863

Re: Taxable account advice

Thanks everybody. I think I'm going to go with a 60/40 split allocated as follows: 40% total US stock market, 20% total international stock, and 40% intermediate tax exempt municipal bonds. I did consider I bonds and will explore that later on down the road, but not having Treasury Direct accessibl...
by bulldog1
Sat Feb 15, 2014 3:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxable account advice
Replies: 16
Views: 1452

Re: Bonds vs Muni Bonds in Taxable

Then I remember numerous Jack Bogle interviews where he notes that his taxable accounts are invested in two bond funds: Intermediate Term Tax Exempt and Limited Term Tax Exempt. I researched your comment about Jack holding the Intermediate Term tax Exempt and I did find an interview where he states...
by bulldog1
Fri Feb 14, 2014 1:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bonds vs Muni Bonds in Taxable
Replies: 16
Views: 1307

Re: Bonds vs Muni Bonds in Taxable

Do you have any other bond funds? If so what accounts are they located in? I have Target Retirement funds in our 401k, 403b and Roth IRA's. It would have been perfect if my 401k had the VG Target Retirement Fund. We max out all of our retirement accounts. Left over money gets sent to taxable. His R...
by bulldog1
Fri Feb 14, 2014 11:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Bonds vs Muni Bonds in Taxable
Replies: 16
Views: 1307

Re: Bonds vs Muni Bonds in Taxable

Thanks you for the responses so far. I am close to getting the admiral shares version of the intermediate-term tax-exempt bond fund. Based on the information and feedback you all provided, I will stay the course.
by bulldog1
Fri Feb 14, 2014 12:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Bonds vs Muni Bonds in Taxable
Replies: 16
Views: 1307

Bonds vs Muni Bonds in Taxable

Hello All, I currently hold Vanguard Intermediate-Term Tax-Exempt Bonds in my Vanguard Mutual Fund account. My marginal tax rate is 25%. My effective tax rate has been between 10% to 12% the past 7 years. Since my effective tax rate is low, would it make sense for me to hold Vanguard Total Bond Mark...
by bulldog1
Thu Feb 13, 2014 10:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bonds vs Muni Bonds in Taxable
Replies: 16
Views: 1307

Re: Best bond fund for taxable account

I'm not sure if Wellington is tax efficient in a taxable account. You don't want to pay capital gains taxes. You could probably do this depending on your asset allocation: Vanguard Total Stock Market Index Fund Admiral Shares Vanguard Total International Stock Index Fund Admiral Shares Vanguard Inte...
by bulldog1
Sat Jan 04, 2014 11:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Best bond fund for taxable account
Replies: 24
Views: 2353

Re: Best bond fund for taxable account

So the intermediate term bond is preferred for the long term bond investor? In our taxable account I use Vanguard Total Stock Market (VTSAX) and Vanguard Intermediate-term Tax-Exempt fund (VWITX). In our tax advantaged accounts we have Vanguard Target Retirement Fund 2035 and Fidelity Freedom Index...
by bulldog1
Sat Jan 04, 2014 11:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Best bond fund for taxable account
Replies: 24
Views: 2353

Re: Most assets in taxable - Should I get a variable annuity

I'm very young. The reason I'd do this is to take advantage of tax deferral that I can't otherwise access. Variable Annuities are never a good choice, especially during your accumulation phase. I only would consider a SPIA later in life if the situation is right, otherwise when I hear the words &qu...
by bulldog1
Tue Jun 04, 2013 2:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Most assets in taxable - Should I get a variable annuity?
Replies: 25
Views: 1495

Re: Simplicity [of My Portfolio]

how do you keep your taxable funds in balance? I use new contributions. I do not reinvest dividends because I want to keep my cost basis numbers a nice rounded number. I send the dividends to my checking account. My new contributions are rounded numbers to keep the cost basis numbers looking good. ...
by bulldog1
Wed May 29, 2013 8:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Simplicity [of My Portfolio]
Replies: 14
Views: 1506

Re: Simplicity [of My Portfolio]

Taylor,

I have seen many of your posts encouraging simplicity. This was one of my main focus points when building my portfolio. Thank you for your inspiration.

Best Wishes
by bulldog1
Wed May 29, 2013 4:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Simplicity [of My Portfolio]
Replies: 14
Views: 1506

Re: Simplicity [of My Portfolio]

Bulldog (and please don't misinterpret this): most people are capable of understanding a simple portfolio.


Calm Man,

No offense taken. She is college educated. I'll plan to take some time to sit down with her to explain the basics.
by bulldog1
Wed May 29, 2013 3:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Simplicity [of My Portfolio]
Replies: 14
Views: 1506

Re: Simplicity [of My Portfolio]

Is your wife investment savvy? She is not. These are very good questions I need to address. In your absence, who would she turn to for advice? I will need to figure this out. I don't have any local friends that understand the Boglehead philosophy. The first thing that comes to mind is point her to ...
by bulldog1
Wed May 29, 2013 10:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Simplicity [of My Portfolio]
Replies: 14
Views: 1506

Re: Simplicity [of My Portfolio]

that's mine exactly, except the fidelity is a lifestrategy growth as are the kids utmas. i'm hoping someone will tell you this is destined to make you (us) very affluent. I assume the taxable is actually a tax managed balanced fund? S I contemplated using the tax managed balanced fund but I wanted ...
by bulldog1
Wed May 29, 2013 1:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Simplicity [of My Portfolio]
Replies: 14
Views: 1506

Re: Simplicity [of My Portfolio]

Well done.Is the Fidelity Four in One fund offfered in your 401k? That may be a better option. joe8d, Unfortunately no. The other funds in the plan are not good. My plan does offer a service called Fidelity Brokerage Link that looks to offer funds outside of the plan but more research is needed on ...
by bulldog1
Tue May 28, 2013 10:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Simplicity [of My Portfolio]
Replies: 14
Views: 1506

Re: Opinions on recent Boglehead convert portfolio

Hi Quincy, I am 37 years old and recently I made the same moves you did and I am glad I did it. The light bulb went off and things are so simple now. My average expense ratio is .15% with a 4 fund portfolio...incredible! Good luck and continue what you're doing. Before you make any big moves, do you...
by bulldog1
Tue May 28, 2013 8:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Opinions on recent Boglehead convert portfolio
Replies: 16
Views: 1119

Simplicity [of My Portfolio]

I just wanted to share my simple 4 fund portfolio and I am sticking with it, no tinkering. I read the book "Investing Made Simple" by Mike Piper, studied the wikis and asked a few questions in the past. I value the simplicity and I'm happy with the asset allocation. If I were to pass away,...
by bulldog1
Tue May 28, 2013 7:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Simplicity [of My Portfolio]
Replies: 14
Views: 1506

Re: Portfolio Review

I'll seriously consider working on paying that off. I reset the plan to put bond funds into our Roth IRAs. My original plan for our 401k and 403b I had the Fidelity Freedom Fund 2035 in my 401k and the Vanguard Target Retirement 2035 in her 403b. 1.Based on the 401k and 403b fund selections below I ...
by bulldog1
Thu Jan 31, 2013 11:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 11
Views: 1327

Re: Portfolio Review

Here is an updated plan for me that includes my 401k and 403b options. I did this myself so please feel free to come up with something better. I've been reading the wiki's and documentation for the past few months but I'm still a novice. The PIMCO bond funds seem expensive but according to the wiki,...
by bulldog1
Wed Jan 30, 2013 11:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 11
Views: 1327

Re: Portfolio Review

Thanks for the replies so far.

Do the fund placements look good so far? Is there a good process for requesting an employer to provide certain funds? I'm guessing just an e-mail or letter to HR.
by bulldog1
Wed Jan 30, 2013 10:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 11
Views: 1327

Re: Portfolio Review

Duckie,

Thanks for the advice. I crunched the numbers and that does make more sense for her to max out her 403(b). I will readjust our budget to accommodate it.

Bulldog
by bulldog1
Wed Jan 30, 2013 1:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 11
Views: 1327

Portfolio Review

Portofolio Review I did my research and followed this forum for a long time. I learned quite a bit and I feel confident I can finally do this myself. Thanks to everyone who contribute to this forum. Hopefully I’m on the right track. Thanks for any feedback you can offer. Key Points: 1. My internati...
by bulldog1
Tue Jan 29, 2013 11:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 11
Views: 1327

Re: Exchanging Fund for Multiple Funds in Taxable

Thanks livesoft. I'll go ahead and exchange all shares to the money market account. I just want to be safe and make sure the capital gains and dividends don't get reinvested into the new funds.
by bulldog1
Sat Jan 26, 2013 11:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Exchanging Fund for Multiple Funds in Taxable
Replies: 2
Views: 325

Exchanging Fund for Multiple Funds in Taxable

Hello All- I'm a long time lurker and I would like to say how grateful I am to this site and the people who contribute to it. Thank you all! I currently hold Vanguard Tax-Managed Balanced in my taxable account. I've held it only for a couple months and I feel it's a mistake. My plan is to exchange a...
by bulldog1
Sat Jan 26, 2013 8:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Exchanging Fund for Multiple Funds in Taxable
Replies: 2
Views: 325

Re: Taxable Accounts

What tax bracket do you start to consider investing in municipal bonds vs taxable bonds in a taxable account? Is 25% usually the starting point?
by bulldog1
Thu Nov 29, 2012 11:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxable Accounts
Replies: 22
Views: 2115

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