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Re: 39 year old - Personal investing & Asset Allocation

Bogleheads, Happy 2014 and many thanks again for the guidance from December 2010 to present on my portfolio. What's the most efficient Vanguard fund to buy as a traditional IRA which I plan to then convert to a backdoor Roth IRA? One year, I bought the Vanguard REIT in my tIRA then converted to the ...
by bzcti
Mon Jan 06, 2014 9:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: 39 year old - Personal investing & Asset Allocation
Replies: 55
Views: 9951

Re: 39 year old - Personal investing & Asset Allocation

This is the response I received from the 401k advisor at my practice. He sent my question to another colleague whose response is also below. Many thanks. "You posed an interesting question concerning after tax supplemental contributions to the 401k plan which I had not encountered previous so I...
by bzcti
Sat Apr 13, 2013 10:43 am
 
Forum: Investing - Help with Personal Investments
Topic: 39 year old - Personal investing & Asset Allocation
Replies: 55
Views: 9951

Re: 39 year old - Personal investing & Asset Allocation

retiredjg wrote:livesoft's comments would be correct for after-tax contributions that are just left in the 401k. That is why this is not a good option unless you can also regularly do in-service rollovers out to Roth IRA.


I'll call the custodian this week! Many thanks again.
by bzcti
Sun Apr 07, 2013 10:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: 39 year old - Personal investing & Asset Allocation
Replies: 55
Views: 9951

Re: 39 year old - Personal investing & Asset Allocation

Based on these comments, I am inclined to avoid pursuing the after-tax employee contributions. Then you are probably not understanding the benefit. What is it that bothers you? Dear retiredjg - many thanks for your gracious response. The disadvantages listed on the wiki appear concerning. And the p...
by bzcti
Sun Apr 07, 2013 10:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: 39 year old - Personal investing & Asset Allocation
Replies: 55
Views: 9951

Re: 39 year old - Personal investing & Asset Allocation

Learning about the After-tax 401(k). Found the Bogleheads wiki: http://www.bogleheads.org/wiki/After-tax_401%28k%29 livesoft has a great comment on after-tax employee contributions in another forum question: http://www.bogleheads.org/forum/viewtopic.php?p=404185 Based on these comments, I am incline...
by bzcti
Sun Apr 07, 2013 9:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: 39 year old - Personal investing & Asset Allocation
Replies: 55
Views: 9951

Re: 39 year old - Personal investing & Asset Allocation

Many thanks for the gracious responses! I will look into the mortgage rates (I have condo not mentioned above so rates may be a little higher than single family homes). Will work on a personal investment policy statement. My sense is to keep the 70% stock/ 30% bond ratio as is. I will trend to highe...
by bzcti
Sun Apr 07, 2013 5:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: 39 year old - Personal investing & Asset Allocation
Replies: 55
Views: 9951

Re: 39 year old - Personal investing & Asset Allocation

Livesoft - Many thanks!

My specific question is: How should I rebalance my portfolio given the opportunities in the new 401k among:

US Stocks
International
Emerging
TIPS
Bonds
REITS
Cash

Many thanks again.
by bzcti
Fri Apr 05, 2013 8:47 am
 
Forum: Investing - Help with Personal Investments
Topic: 39 year old - Personal investing & Asset Allocation
Replies: 55
Views: 9951

Re: 39 year old - Personal investing & Asset Allocation

Dear Bogleheads, I am grateful to the wonderful sage advice I received since December 2010. I agitated at work and my small business switched to a new 401k servicer. I specifically asked for Vanguard funds and now have the options below. I would appreciate your advice once again as I continue to imp...
by bzcti
Wed Apr 03, 2013 10:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: 39 year old - Personal investing & Asset Allocation
Replies: 55
Views: 9951

Re: 39 year old - Personal investing & Asset Allocation

Dear Bogleheads, Quick question - I want to make new investments in my Vanguard mutual funds in tax accounts above. I rebalance every few weeks with new purchases to stay in line with the portfolio listed above (see post July 17, 2012) Should I wait until the year-end fund distributions have been is...
by bzcti
Sat Nov 03, 2012 11:02 am
 
Forum: Investing - Help with Personal Investments
Topic: 39 year old - Personal investing & Asset Allocation
Replies: 55
Views: 9951

Re: Financial Advisor for Physicians

You can read all about this kind of solicitation at http://www.whitecoatinvestor.com After reading, can you please come back and summarize what you have learned in order to finish off the thread? Thanks! livesoft: The question was worth asking as you led me to the wonderful http://www.whitecoatinve...
by bzcti
Wed Aug 15, 2012 8:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Financial Advisor for Physicians
Replies: 15
Views: 2060

Financial Advisor for Physicians

Bogleheads, I just received the following email from a financial advisor: "My name is ----- ----- and I specialize in working with physicians. I help my physician clients protect their assets from lawsuits and creditors, provide alternative funding sources for their Tail Malpractice coverage, a...
by bzcti
Wed Aug 15, 2012 5:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Financial Advisor for Physicians
Replies: 15
Views: 2060

401k - Request for Proposal (RFP) - Employee Fiduciary

Dear Bogleheads, I am starting the process of asking my employer to switch from ING Retirement 401k to another provider. We have a small health-care related practice with less than ten 401k participants and around 400k in total assets. I have researched the bogleheads forum and have learned a great ...
by bzcti
Tue Aug 07, 2012 8:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k - Request for Proposal (RFP) - Employee Fiduciary
Replies: 6
Views: 2188

Re: 70 year old widow - Asset Allocation and Personal Invest

Quick question --- what will the tax treatment be if I exchange the Vanguard Index 500 and Vanguard Health Care shares for the Vanguard International? My mother has owned these shares since 1995 or so. Would it be the capital gain of the mutual fund shares themselves versus the 1995 price? I have th...
by bzcti
Tue Jul 31, 2012 9:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: 70 year old widow - Asset Allocation and Personal Investing
Replies: 32
Views: 2616

Re: 70 year old widow - Asset Allocation and Personal Invest

I added the expense ratios from JPMorgan, which were in-line or close to the Google Finance expense ratios listed.
by bzcti
Mon Jul 23, 2012 9:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: 70 year old widow - Asset Allocation and Personal Investing
Replies: 32
Views: 2616

Re: 70 year old widow - Asset Allocation and Personal Invest

Good morning! I called the JPMorgan 401k provider. Indeed, she can do 1 withdrawal per year. The rep said that JPMorgan will take the request over the phone and cut a check to Vanguard? They must have a more organized method. I need to contact Vanguard to initiate. Questions: 1. If she rolls over th...
by bzcti
Mon Jul 23, 2012 9:16 am
 
Forum: Investing - Help with Personal Investments
Topic: 70 year old widow - Asset Allocation and Personal Investing
Replies: 32
Views: 2616

Re: 39 year old - Personal investing & Asset Allocation

Hello again, I contribute the maximum to my 401k plan (16.5k). The 401k plan runs a "test" for highly compensated employees versus other participants. We usually fail the test and I receive a check for 8-9k in "excess contributions." I get a 1099 the next year and pay taxes on th...
by bzcti
Mon Jul 23, 2012 9:06 am
 
Forum: Investing - Help with Personal Investments
Topic: 39 year old - Personal investing & Asset Allocation
Replies: 55
Views: 9951

Re: 70 year old widow - Asset Allocation and Personal Invest

You can find the expense ratios on line by typing the ticker into the Google search box. This will bring up a lot of hits. Usually the first one is Google Finance, which will have the chart and other pertinent info. On the right hand side of the page, about halfway down, you'll see the expense rati...
by bzcti
Sun Jul 22, 2012 1:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: 70 year old widow - Asset Allocation and Personal Investing
Replies: 32
Views: 2616

Re: 70 year old widow - Asset Allocation and Personal Invest

I am wondering if you have actually seen her taxable income or if you are just adding her "modest" income and all of her SS income to come up with taxable income. As a starter, I would add Box 1 income from her W-2 plus 1/2 of her SS income, subtract standard deduction and exemption, then...
by bzcti
Sun Jul 22, 2012 1:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: 70 year old widow - Asset Allocation and Personal Investing
Replies: 32
Views: 2616

Re: 70 year old widow - Asset Allocation and Personal Invest

Many thanks, previous to today, there was no asset allocation plan in place. So if it's 50/50 equity/(bonds+cash) then that ended up being a random occurrence. The assets are simply to save and grow. No immediate needs. My goal in the original post was to see how I could maximize her asset allocatio...
by bzcti
Sun Jul 22, 2012 11:26 am
 
Forum: Investing - Help with Personal Investments
Topic: 70 year old widow - Asset Allocation and Personal Investing
Replies: 32
Views: 2616

Re: 70 year old widow - Asset Allocation and Personal Invest

via Google search which applies in this case: "If the person making the payments is a co-owner of the property and is also on the mortgage loan, then the taxpayers will need to split the deduction amongst themselves. The deduction should be split based on how much interest each person actually ...
by bzcti
Sun Jul 22, 2012 10:21 am
 
Forum: Investing - Help with Personal Investments
Topic: 70 year old widow - Asset Allocation and Personal Investing
Replies: 32
Views: 2616

Re: 70 year old widow - Asset Allocation and Personal Invest

Many thanks for the gracious responses! I edited the original post to clarify and summarize below: 1. Primary residence co-owned by sons, one of whom pays and takes mortgage deduction. 2. Health insurance -- She works primarily to stay active and because of TJX great health benefits. Her employee he...
by bzcti
Sun Jul 22, 2012 9:18 am
 
Forum: Investing - Help with Personal Investments
Topic: 70 year old widow - Asset Allocation and Personal Investing
Replies: 32
Views: 2616

70 year old widow - Asset Allocation and Personal Investing

Dear Bogleheads, I would appreciate your advice as I help my 70 year old mother with her personal finance allocation. She still works as a salesperson at a local department store with a modest income and survivor Social Security benefits. She co-owns and has joint mortgage with her son (they pay mor...
by bzcti
Sat Jul 21, 2012 11:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: 70 year old widow - Asset Allocation and Personal Investing
Replies: 32
Views: 2616

Re: 39 year old - Personal investing & Asset Allocation

Many thanks for the gracious emails and responses. 1. Total Student Loan Debt College graduation 1993 = $18000 Med school graduation 1997 = $105000 Last day of residency 2001 = $130000 December 2010 (1st bogleheads post) = $92000 July 19, 2012 = $0 2. The Vanguard calculator tells me to go 100% stoc...
by bzcti
Thu Jul 19, 2012 10:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: 39 year old - Personal investing & Asset Allocation
Replies: 55
Views: 9951

Re: 39 year old - Personal investing & Asset Allocation

Dear Bogleheads, I paid off the 90k in student loans at 5.575% interest! I am grateful to the wonderful sage advice. A liberating event. I would appreciate your advice once again as I continue to improve my personal & retirement investing. This is in Laura’s format. Emergency funds (cash)= $50k+...
by bzcti
Tue Jul 17, 2012 10:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: 39 year old - Personal investing & Asset Allocation
Replies: 55
Views: 9951

Re: 39 year old - Personal investing & Asset Allocation

Dear BogleHeads, I wanted to follow-up and thank the Bogleheads forum for wonderful advice in December 2010. I re-allocated my assets based on the forum advice --- 70% stock / 30% bond with assets allocated to maximize tax efficiency. I also paid down my student loans from $100k to $30k to save on t...
by bzcti
Thu Feb 16, 2012 12:01 am
 
Forum: Investing - Help with Personal Investments
Topic: 39 year old - Personal investing & Asset Allocation
Replies: 55
Views: 9951

Thanks again

Thanks again for the feedback and advice. 1. I followed the advice and have made the numerous changes to the Vanguard taxable, Vanguard Roth, and ING 401(k). I'll liquidate the etrade account and make the necessary adjustments to the asset allocation. 2. I had to pay an early redemption fee on the R...
by bzcti
Sun Dec 26, 2010 6:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: 39 year old - Personal investing & Asset Allocation
Replies: 55
Views: 9951

Thanks

I very much appreciate the gracious replies. I will liquidate the etrade on Monday and make the Vanguard changes as described. Regarding the ING Index Solution 2015 Portfolio - can you please give me guidance if I create a portfolio without using the ING funds-of-funds? Should I pay off the 90k fede...
by bzcti
Sat Dec 25, 2010 6:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: 39 year old - Personal investing & Asset Allocation
Replies: 55
Views: 9951

I'm happy to lose up to 25% of my portfolio in the short run in order to make money in the long run. (I actually lost 60%+ in the etrade stock account in 2008, held firm, and it came back to less than 10% down.) So yes, indeed, my time horizon is long-term. Thanks to the posts so far. Very much appr...
by bzcti
Sat Dec 25, 2010 9:37 am
 
Forum: Investing - Help with Personal Investments
Topic: 39 year old - Personal investing & Asset Allocation
Replies: 55
Views: 9951

Re: 39 year old - Personal investing & Asset Allocation

Debt: Consolidated Federal student loans $90k (30 years @ 5.575%), mortgage $150k (recently refinanced 30-year 4.25%) No auto loans, no credit card debt. Taxable new annual contributions = greater than 50k Pay off the student loans before taxable investing. Thansk bdpb! I've felt more "secure&...
by bzcti
Sat Dec 25, 2010 8:28 am
 
Forum: Investing - Help with Personal Investments
Topic: 39 year old - Personal investing & Asset Allocation
Replies: 55
Views: 9951

39 year old - Personal investing & Asset Allocation

Hello, I would appreciate advice on my personal & retirement investing. I have not made any stock trades since the 2008 market correction. I continued to make maximum contributions to my 401(k) and kept the bulk of money in cash & the Vanguard Index 500. I pretty much avoided thinking about ...
by bzcti
Sat Dec 25, 2010 12:39 am
 
Forum: Investing - Help with Personal Investments
Topic: 39 year old - Personal investing & Asset Allocation
Replies: 55
Views: 9951

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