Search found 26 matches

Return to advanced search

Re: 5 Tips for Better Index Investing

Regarding the link to the split between growth and value funds vs. a single fund, I don't think it's safe to draw any conclusions on investing strategy based on such a short time period (1979 to the present). Another time period or a wider one might provide entirely different results that would be e...
by cloudboy55
Thu Jul 18, 2013 6:39 pm
 
Forum: Investing - Theory, News & General
Topic: 5 Tips for Better Index Investing
Replies: 19
Views: 2641

Re: Any reviews on Paul Winkler (the Investor Coach)?

Paul has some concerns about the three fun portfolio approach and cap-weighted index funds. Start listening around 8:30:

http://www.paulwinkler.net/w/podcast/id ... rket-funds

Thanks,
cloudboy55
by cloudboy55
Mon Jun 17, 2013 9:30 am
 
Forum: Investing - Theory, News & General
Topic: Any reviews on Paul Winkler (the Investor Coach)?
Replies: 8
Views: 1491

Re: Questioning the Fundamentals of Funding Priorities

I'm relatively new to Bogleheads so pardon the ignorance if I'm missing something obvious. But the general theme I've heard for where to allocate your funds is: 1. 401(k) up to the company match 2. Max out ROTH IRA 3. Max out 401(k) 4. Taxable accounts While that's well and good for high-income ear...
by cloudboy55
Tue May 28, 2013 7:27 am
 
Forum: Investing - Theory, News & General
Topic: Questioning the Fundamentals of Funding Priorities
Replies: 36
Views: 1748

Re: First Time Posting, Portfolio Advice Please

Transferred the Edward Jones IRA to a Vanguard fund this afternoon, and pleased to have done so. Actually ended up going with the 2040 TR fund as I decided that at my age, I'm ok with more risk. Also went ahead and upped my 401k contribution from 6% to 10%. Still need to rearrange the funds therein...
by cloudboy55
Tue May 28, 2013 7:13 am
 
Forum: Investing - Help with Personal Investments
Topic: First Time Posting, Portfolio Advice Please
Replies: 17
Views: 2774

Re: First Time Posting, Portfolio Advice Please

You need to be saving a lot more for retirement each year. You are single with no debt and own your own home (a great accomplisment btw). On a $90k salary, you should be maxing out your 401k at $17.5k per year, contributing $5.5k to an IRA, and adding like another $20-25k per year in after-tax mone...
by cloudboy55
Sat May 25, 2013 9:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: First Time Posting, Portfolio Advice Please
Replies: 17
Views: 2774

Re: why a 7% return estimate going forward

No need to apologize for ignorance, we're all ignorant when it comes to predicting the future. I'm not an economist, but my understanding is that expectations for global growth are more modest than they have been in the past. I personally, when doing planning, expect nominal growth of 5%, inflation...
by cloudboy55
Sat May 11, 2013 6:19 pm
 
Forum: Investing - Theory, News & General
Topic: why a 7% return estimate going forward
Replies: 55
Views: 5709

Matson Money [Investment Advisor]

I'm curious to know if anyone has had experience with or it currenty using an investment advisor who is affiliated with Matson Money. They advocate passive investing, DFA funds, fee only advising, etc. 3.2 billion AUM.

Thanks,
cloudboy55
by cloudboy55
Sun Apr 07, 2013 9:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Matson Money [Investment Advisor]
Replies: 4
Views: 546

Re: Advising my parents on annuity or other options

My parents have had an annuity in the past that apparently didn't have a lifetime benefit, and has been depleted. Does this mean that up until recently that now-expired annuity was providing them with part of their income? If so it MIGHT be reasonable to replace it. Someone needs to look at their o...
by cloudboy55
Sun Mar 24, 2013 11:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Advising my parents on annuity or other options
Replies: 11
Views: 902

Advising my parents on annuity or other options

My parents have had an annuity in the past that apparently didn't have a lifetime benefit, and has been depleted. They have about 300K remaining in a TIRA. Mom is 75, and dad is 78. They are in fair health - dad has been treated for prostate cancer years ago and mom has diabetes that is managed with...
by cloudboy55
Sat Mar 23, 2013 5:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advising my parents on annuity or other options
Replies: 11
Views: 902

Active vs. Passive

I don't invest in any actively managed funds, I'm almost entirely invested in Vanguard index funds. However, lately I've been wondering. If actively managed funds were identified that consistently beat the index after fees over long and short time periods, what's that attributable to? Luck? http://w...
by cloudboy55
Sat Mar 09, 2013 10:33 am
 
Forum: Investing - Theory, News & General
Topic: Active vs. Passive
Replies: 21
Views: 1441

Re: Roth IRA question

gvsucavie03 wrote:Have you had the IRA opened at least 5 years?


It's been at Vanguard for less than five years. Prior to that it was at another brokerage, and was open for more than five years.

cloudboy55
by cloudboy55
Sun Feb 17, 2013 5:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA question
Replies: 5
Views: 401

Re: Roth IRA question

Alan S. wrote:What is the code in Box 7 of your 1099R?


The code is J.

cloudboy55
by cloudboy55
Sun Feb 17, 2013 5:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA question
Replies: 5
Views: 401

Roth IRA question

I contributed 3000 to my Roth IRA in 2012, but also withdrew that same amount in the same year. Turbotax and Vanguard see that as an early Roth distribution. Do I need to recharacterize the contribution or withdrawal?

Thanks,

cloudboy55
by cloudboy55
Sun Feb 17, 2013 4:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA question
Replies: 5
Views: 401

Over contributed to Roth IRA - how to fix?

All, it turns out my income this year is too high to have contributed to a Roth IRA, but I've already contributed a fair amount. What's the best way to resolve this - just remove the money prior to the end of the year?

Thanks in advance,

cloudboy55
by cloudboy55
Sun Dec 23, 2012 12:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Over contributed to Roth IRA - how to fix?
Replies: 1
Views: 420

Re: Need asset allocation advice

cloudboy55, I'd read "The Clash of the Cultures" by Jack Bogle as well as the wiki pages on this forum. You have more funds than you need. Regarding the Roth v. the Traditional 401k, it makes sense in your tax bracket to switch future contributions back to Traditional. The Roth portion ha...
by cloudboy55
Wed Sep 05, 2012 4:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need asset allocation advice
Replies: 26
Views: 1620

Re: Need asset allocation advice

4) For tax-advantaged accounts, there are no costs that are not reflected in the expense ratio, as far as I know. In any event, even granting the point for the sake of argument, I don't know what the implication would be? Back to handpicking individual stocks? Trading costs aren't a part of the exp...
by cloudboy55
Wed Sep 05, 2012 3:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need asset allocation advice
Replies: 26
Views: 1620

Re: Need asset allocation advice

Hi cloudboy55, I would recommend you read a good book on investing. There many located on the wiki. Jack Bogle's "Little Book of Common Sense Investing" is a great one to start with. You will find Mr. Bogle's total markets approach and simplicity to be overwhelming. There is no need for a...
by cloudboy55
Wed Sep 05, 2012 9:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Need asset allocation advice
Replies: 26
Views: 1620

Re: Need asset allocation advice

Haha. At least it's a holiday so we know he's not already on the phone with Vanguard. A traditional 401k is superior for many reasons, but a key one is that it reduces your AGI. A Roth 401k does not. Therefore, many people who choose a Roth 401k screw themselves out of IRA eligibility, education cr...
by cloudboy55
Mon Sep 03, 2012 1:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need asset allocation advice
Replies: 26
Views: 1620

Re: Need asset allocation advice

damjam wrote:You can "recharacterize" your Roth IRA contribution to a traditional IRA contribution.


I'll have to ask Vanguard how to do this. Thanks for the advice.

- cloudboy55
by cloudboy55
Mon Sep 03, 2012 12:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need asset allocation advice
Replies: 26
Views: 1620

Re: Need asset allocation advice

Income: ~124,000 I am maximizing contributions to Roth 401k and Roth IRA every year. How are you doing that? Eligibility for direct Roth IRA contributions starts phasing out at $110,000 AGI. Seems like you would need to make at least $10,000 of traditional 401k contributions to get your AGI below t...
by cloudboy55
Mon Sep 03, 2012 11:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Need asset allocation advice
Replies: 26
Views: 1620

Re: Need asset allocation advice

What are the expense ratios at Nationwide? Are the funds shown the only options? In your tax bracket, why are you contributing to a Roth 401k instead of regular? See The Case Against Roth 401(k) . Net asset expense at nationwide is .75 percent, and fund expense ratios are on top of that. Regarding ...
by cloudboy55
Sun Sep 02, 2012 5:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need asset allocation advice
Replies: 26
Views: 1620

Need asset allocation advice

Hello all, I'm looking for asset allocation advice for my retirement holdings at Vanguard and Nationwide Retirement Income: ~124,000 Emergency funds: Six months of expenses Debt: 101000 on Mortgage at 3.875% 15 years remaining Tax Filing Status: Single Tax Rate: 28% Federal, 0% State State of Reside...
by cloudboy55
Sun Sep 02, 2012 2:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need asset allocation advice
Replies: 26
Views: 1620

Return to advanced search