Bogleheads.org

What done, can't be undone. My suggestion would be to enter market now....maybe at 5% of your investment each week (or maybe 5% /month) till it reaches your AA. If market is going up in next 6-12 months, you are gaining part of it. If its goes down...you will gain when it comes back up (your origina...

Looking at fundamental, not recommended. But again Bay area market not always follow fundamental. Edit: House price should be 3-4X of of your salary. You fall in this range. Rent to buy should be under 25 (Price/Rent). Its 30+ in this case. Plus your are pulling $$ from Retirement. Where the market ...

0.15 as per VG (includes VG IRA, 401K and Fido). Would be little lower as VG is picking wrong ER for Fido spartan funds.

Can you get Term from work ? They are expensive but you can't be denied.

Edit: Group term offered at work.

Got 100%, but that was expected. Anyone who has read boglehead books and have been reading on wiki here, it was easy quiz.
I'll have my spouse take it and see how she does

We currently have an emergency fund valued at $61,695, which is more than 12 months of savings if we stripped out the amount we're putting towards savings and the day care/pre-school. The reason why we have the $61,695 number is if everything went wrong with our current situation (both lost jobs at...

Have been in similar situation many times in my career, I have chosen more money during initial part of career. Later I started looking at work balance, culture, my skills utilization and where I would be more happy. Financial is part of the equation but other factor matter more. At the end of the d...

elling AEPGX will cost me about $600 in taxes, but will save $38/year in expenses
Selling EXWAX will cost me about $300 in taxes, but will save $450/year in expenses

Split selling over two years, sell the above now. Bigger one in Jan 2012.

They may be calling from outside US or using fake Caller ID but at end of day they are still selling service or products for a US based company.
Ask them what company they represent and tell them politely to take you off the list. It usually work.

If the same company calls back, report to ftc.

what is penalty of leaving early if you sign the contract ?
Usually its cost of conference including travel, boarding.
Does it allow pro-rated return ? If you leave in 6 month its half the amount ?
Will conference add to your future earning power, charge more as you know more ?

When I was looking at insurance needs, I evaluated both WL and its various iterations Vs. Term and investing the premium I save myself. I compared 100k WL quote with death benefit of 250k Vs 250K 30 yr term plus investing saving in fixed 3 fund portfolio (35% bonds, 45% stocks, 20% Intl). I was able...

Welcome !!

Not sure what you mean by "open source investing" but here are few links to get you started.

http://www.bogleheads.org/wiki/Boglehea ... philosophy

http://www.bogleheads.org/wiki/Main_Page

So you moved money from traditional 401K to Roth401k ?
Moving money from traditional 401k to Roth 401k will be considered a early withdraw and you will be hit will 10% penalty and income will be added to W2.

I would suggest you consider advice of tax adviser.

Don't worry, I been through same process about a month back. My amount was less thou ~35k. My Old employer sold the day market tank 250 point and by the time the money came in to VG, sp500 has raisen by 1%. Looking back it doesn't matter...

If I had 400k, I'll be little hesitant "go in with all" as its hard earned money, not something I got from lottery.
But at same time no one know the market future. Why don't you follow your AA and start investing 4K per week ? It will take ~2 yrs to invest 400K.
You will average out.

Buy a electric car, save gas, save environment (not really) and save taxes.

Use term calc at yahoo, excellent tool I used when determining needs. You can add kids education, mortgage, current investment, SS etc http://finance.yahoo.com/calculator/insurance/ins01/ Other option you can look is splitting into two policies. Buy one for 20 yr term for 500k, other for 30 yr term ...

Update on ROP

Transamerica doesn't offer for 10 yr term (only 20 yr or longer). I would think that might be case with others too.
Metlife doesn't have ROP rider option (even for 20 yr term).

Mel, thanks for quick response. Ibonds will be part of my non-retirement account (consists of emergency funds, house down-payment and education funds for kids). The duration for this account is short (emergency funds) to Intermediate term (kids education, 5+ yrs), hence current tax bracket become im...

Thanks everyone for your response. The web site didn't give me quote for 10 yrs/250K ROP. http://www.terminsurance4less.com/ But running for 20yrs/$1mil, the ROP premium is about 4X. Running thru ROP calc, I need to make 4% in taxable account, which is doable and not worth ROP. I'll wait for officia...

I don't have number for ROP (agent is working on it), but using a 2X figure for a 10 yr term, I get a guaranteed, tax free return of 12% if I hold it to maturity. I don't see any products with such guaranteed ROI. Its possible ROP may come with "if and but" and premium more than 2X, making...

Thanks for your response. Tfb - I don't have quote for ROP. Agent told me its typically twice. I used the following calc http://www.quickquote.com/ropCalculator And calculated both 10 yrs and 20 yrs assuming 2x premium for ROP. In both case I need to get 10%+ to recover in taxable account. I'm in 28...

I used Yahoo finance to determine my Term insurance needs. After inputting college needs for kids along with current investment, expense and future SS for spouse, we came with the number. No debt, we rent but plan to buy house and it was added in determining our needs. Next 20 yrs is where we need m...

Need some input on the bonds side. Tax bracket federal 28, State 10 (CA) Married with 2 kids. I have invested 10k in ibond for 2013 (no other ibonds). The purpose for ibonds is to hold *some part* of emergency funds and possibly use for kids higher education. I have large (12 month emergency fund an...

What if #3 is an employer offered ESPP investment? I am really curious to know more as I am invested in my employer offered ESPP and 401(K) plans/benefits. What is the downside, please explain. Investing in ESPP is fine, in fact you should do it, 15% discount. Holding on to ESPP is not generally re...

For 2 year time frame, high yield CD and saving account are your best bet.

Using a 3 fund portfolio, bonds goes in Retirement, International in Taxable and US stocks split between 401k and taxable based on your AA. First you need to decide on your AA. How are you planning to fully fund child 1 education ? You need to decide if you have enough left before spending 260K on e...

What if you sell every two months ? The cost of selling should be same ~25$, as its usually per transaction.
Of course this has both down and up side, share price can go up for month 1 batch or it can go down too.
Month 2 batch you are selling immediately.

401k = $240k Wellington Fund / VWELX = 20% Windsor / VWNDX = 20% 500 Index Admiral / VFIAX = 20% Pacific Stock Index / VPADX = 10% Develop Market Index / VDMAX = 10% Total Bond/ VBTLX = 10 % Long Term Bond / VBTLX = 10 % Cash = $75k ETF Industrial / VIS = 13% ETF Healthcare / VHT = 12% Total Stock ...

I have used prosper and its fun investing but as a financial or investment tool, I won't recommend.
I have invested in past and return are not great, plus everyone is chasing high credit rated users.
One or two defaults and you are in red.

Desired Asset Class Percentage Large Cap 15.00% Medium Cap 15.00% Small Cap 10.00% International 40.00% Bond 20.00% Cash 0.00% This is what recommend - 80% stocks/20 bonds 30% Intl 40% for intl is high I think. Also when you calculate intl, its % of stocks. Keeping Intl at 30% = 80% of stock x.30 =...

There are multiple site will will give you median salary for medical professional. I know its a hard 15 years of studying and working, well deserved salary. Buy a new car, you deserve it but only when you have max out 401k and have cash for entire payment. Stay away from any advice which saves you t...

Do company match for 401k (6% which is your company match).
Put rest in ESPP purchase (you can do 10% of your salary).
Sell ESPP ASAP. Use the ESPP money and start maximizing your 401k.

Repeat each espp cycle.

Do you have your AA defined ? If your AA is defined, sell all and diversify based on your AA. Here the reason, you are selling single company stock and diversifying into MF stocks. When people are sitting on cash (low risk) and they want to go to stock (high risk), the tend to bring into chuck and e...

portfolio doesn't include any emerging markets

For 5K portfolio, emerging market component is miniscule. As your portfolio grow you can add ROTH IRA and add emerging to it.

Your AA looks like 20/80 with 20% in Intl. For your age looks good.
You can also go little more on intl if you want to (25%).

Time is on your side, add as much as you can in 401k.

What is your desired AA ?

Why 6 funds ? Three-fund portfolio should work for you.

http://www.bogleheads.org/wiki/Three-fund_portfolio

However, I did not get this sentence. Can you please explain a bit "Another thing to keep in mind is that your iBond purchases are limited to 10K/year. So if you have 50k of iBonds with 0% fixed, and fixed rates go up tomorrow to 3%, it will take you 5 years to buy iBonds at the new rates sell...

Option 1) Purchase about 5k in first offering period and hold for 2 years and purchase again next year after annual bonus when I can afford to purchase more. Option 2) Purchase about 5k in first offering period and immediately sell...pay the taxes on the gains and reinvest each offering period maxi...

Tax-adv + Taxable AA - 25/48/27 (440k) [retirement?] Taxable AA - 60/30/10 (250K) [down payment, emergency fund, education?] That correct description. First child goes to college in 5 yr, 2nd in 10 yrs. House, don't know, we live in very expensive area which might be under RE bubble currently. Hous...

Check Flagship Voyager Services at VG, lots of benefits with 1$ million portfolio. They provide financial plan (free) and Fee-based from Vanguard Asset Management Services too. If you are not too sure, you can have them manage for you for few years (you get low cost funds), lower fee. As you get mor...

Vanguard Target Retirement Funds are best way to start and invest 10k. As it grows more, then can go for 3 stock portfolio or stick with target fund.
Vanguard Target Retirement 2025 Fund is for who are 13 yrs away from retirement.

I used to maintain two XLS sheet. One for retirement (401k, IRA only) account and other tracking taxable (including emergency, short term, edu, retirement etc). I maintaining two different AA, one for pure retirement, other for mixed one (taxable) and it was driving me crazy. Tax-adv AA - 23/48/29 (...

Looks like you have ~600k in assets + 300k in home equity. You get 60k pension and you are saving 5K from it in IRA. And you are not withdrawing from 600K. Is there a way you can move to smaller, cheaper house and have some house equity work for you or/and pay no mortgage For your age, 65 bonds, 25 ...

Your description is exactly what I see. I think you can tell FE which accounts can change and which cannot, but it has been a while since I set things up. In any case, it lets me change any and all the accounts and even suggests funds that are not availabel in my 401(k). I must've lied to it earlie...

You need a managed portfolio (bonds, stocks and Intl). That 3-fund. If you want single fund, go with target retirement. For your age that would be 2025 or 2030, another advantage of target funds, they rebalanced automatically each yr. VG had all these funds at fraction of cost (ER) compared to Chase...

Yes, it looks like it in first section. Next one has all my investment with current and new rating. 3rd section is current and future investment, retirement age. Last section shows how much I want in retirement and my chance of making it. If I agree to all, in next screen, it will implement the plan...

I have ~450K in taxable (which is ~2 times of Retirement ~240k). Re: FE I use their full version thru my 401K provider. VG FE is crippled version and isn't that useful. Since I have linked it to all my all other IRA accounts (VG, FIdo), it can look into entire portfolio and advice. Last time I ran i...

My understanding of DCA is that "Dollar cost averaging is an investment strategy that takes the form of investing equal monetary amounts regularly and periodically over specific time periods (such as $100 monthly for n months) in a particular investment or portfolio" My point is that one n...

I would move out of individual stocks and align with AA.
What is your desired AA ?

Abbott (ABT) 6% $38,305
Abbvie (ABBV) 6.4% $40,052

Also moving to admiral is no brainier, same stock with lower ER (need to have 10K, which you have).