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Re: Portfolio Review - Steps to move to a Core Four

Thank you for your response. No access to a 401K or 403B plan? Having only a 457 seems strange. I could be wrong, but I believe it's because we are provided with pensions that are matched 2:1. Your choices in 403B truly suck. What is VT? VantageTrust Funds The 500 Index (ER 0.97%) and the Broad Mark...
by eazy
Thu Nov 21, 2013 6:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Steps to move to a Core Four
Replies: 3
Views: 562

Portfolio Review - Steps to move to a Core Four

First and foremost, thanks to all that are able to help.I have a Roth IRA and governmental 457B that I want to make a Core Four portfolio. As you will see, my portfolio is still small and my percentages are off. Starting from this day forward, what would be the best course of action to achieve the C...
by eazy
Thu Nov 21, 2013 11:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Steps to move to a Core Four
Replies: 3
Views: 562

Re: Portfolio Review

Also, here is some information on the CDs offered... Description One-, three-, and five-year CD Accounts are issued by Bank of America, N.A. (“Bank”), a member of FDIC, and are available as VantageTrust investment options. CD Account deposits of up to $250,000 are insured by the FDIC, subject to cer...
by eazy
Fri Jan 04, 2013 10:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 22
Views: 1756

Re: Portfolio Review

Pingo, I will send you a PM sometime today. Thanks!
by eazy
Fri Jan 04, 2013 10:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 22
Views: 1756

Re: Portfolio Review

Math's never been my forte, so bear with me, but think of it like this... Say your account is worth $10k, you want an overall allocation (which is the most important) of 85/15 stocks/bonds. So you have $8500 in stocks and $1500 in bonds. Now, of your $8500 in stocks, you want a 25% international al...
by eazy
Fri Jan 04, 2013 10:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 22
Views: 1756

Re: Portfolio Review

Pennstateclj1 and FNK your input is appreciated! Emergency funds: Not at this time, I have $1,000 in a savings. But, I do have $32,100 worth of credit with my two credit cards. At 15% interest give or take? That doesn't seem like an e-fund, that's a last resort. I agree, and this is something I will...
by eazy
Wed Jan 02, 2013 12:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 22
Views: 1756

Re: Portfolio Review

Pingo thanks for the response! I hope the following updates help. Based on the info you posted of the funds you are invested in, we have a pretty good idea of what the situation is with the index funds expense-wise. However, we really do need to also see the expense ratios for the remaining funds in...
by eazy
Wed Jan 02, 2013 12:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 22
Views: 1756

Re: Portfolio Review

Did I provide all the info needed to help in evaluating my portfolio? Any other help/input from others would be greatly appreciated.
by eazy
Wed Jan 02, 2013 1:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 22
Views: 1756

Re: Portfolio Review

85% stocks risky Put extra money towards emergency fund International is usually recommended between 20-50% of equity I would use one for your cash management funds in 457 and a little as possible total stock market Use total stock index and total international index in Ira You may want to use inde...
by eazy
Sat Dec 29, 2012 12:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 22
Views: 1756

Portfolio Review

Emergency funds: Not at this time, I have $1,000 in a savings. But, I do have $32,100 worth of credit with my two credit cards. Debt: $26,030 auto loan at 1.49% Tax Filing Status: Single Tax Rate: Federal 25% State of Residence: TX Age: 32 Desired Asset allocation: 85% stocks / 15% bonds Desired In...
by eazy
Thu Dec 20, 2012 8:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 22
Views: 1756

Re: 457b and "Total Expenses (estimated)" fees?

It is a governmental 457. The city offers two vendors, ICMA RC (lowest fees) and Nationwide. We get paid 26 times a year and here is where money goes each payday.

- 7% to TMRS. City matches 2:1

- Right around $192.31 to ROTH

- $195.00 to 457B
by eazy
Thu Oct 11, 2012 12:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: 457b and "Total Expenses (estimated)" fees?
Replies: 8
Views: 529

Re: 457b and "Total Expenses (estimated)" fees?

JM13004,
Thanks for the insight! So would most believe a 457B with these higher fees still be worth it over a taxable account?
by eazy
Thu Oct 11, 2012 11:43 am
 
Forum: Investing - Help with Personal Investments
Topic: 457b and "Total Expenses (estimated)" fees?
Replies: 8
Views: 529

Re: 457b and Total Expenses (estimated) fees?

Novine wrote:"Keep my very new 457b or get into something else with lower fees"

Like what? Do you have another plan you can get into?


I really don't, the other vendor our city offers for 457Bs is Nationwide which has higher fees than ICMA RC. My only other option would be a taxable account.
by eazy
Wed Oct 10, 2012 11:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: 457b and "Total Expenses (estimated)" fees?
Replies: 8
Views: 529

457b and "Total Expenses (estimated)" fees?

What to do? Keep my very new 457b or get into something else with lower fees? I have been and plan on to max out my ROTH each year. Total Expenses (estimated) definition from ICMA RC: Estimated Total Expenses - These expenses include the fees incurred by the underlying mutual fund such as investment...
by eazy
Wed Oct 10, 2012 10:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: 457b and "Total Expenses (estimated)" fees?
Replies: 8
Views: 529

Re: Expense ratio of 0.46%?

Okay, including my ROTH, my overall ER going this route would be 0.33%.
by eazy
Thu Sep 13, 2012 4:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Expense ratio of 0.46%?
Replies: 18
Views: 1166

Re: Expense ratio of 0.46%?

Thanks everyone for your input... I thought that ER would be okay, but wasn't sure when I compared it to Vanguard's ERs. Lol.. Guess that's like comparing apples to oranges.
by eazy
Thu Sep 13, 2012 3:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Expense ratio of 0.46%?
Replies: 18
Views: 1166

Re: Expense ratio of 0.46%?

mhc wrote:I agree with ruralavalon.

Is there any employer matching funds?


Nah, they don't.
by eazy
Thu Sep 13, 2012 1:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Expense ratio of 0.46%?
Replies: 18
Views: 1166

Re: Expense ratio of 0.46%?

ruralavalon,

Thanks for you response! I guess I should have mentioned I have VFIFX in my ROTH which has Vanguard Total International Stock Index Fund Investor Shares.
by eazy
Thu Sep 13, 2012 1:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Expense ratio of 0.46%?
Replies: 18
Views: 1166

Expense ratio of 0.46%?

Could you live with this ratio? It's for a 457B, our city offers two vendors. This ER would be going with the cheaper vendor following these indexes; S&P 500 (0.43%), The Wilshire 4500 Completion( 0.44%), The Barclays U.S. Aggregate Bond (0.42%) and The MSCI EAFE (0.55%). Also, what is the most ...
by eazy
Thu Sep 13, 2012 1:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Expense ratio of 0.46%?
Replies: 18
Views: 1166

Re: 457B - Is there a quirk in the law...

I'm not finding much either of the outcome. I did find this though... http://www.prudential.com/media/managed ... AFinal.pdf Starting at the bottom of page two, it does look like it's protected. Thoughts/comments?
by eazy
Fri Sep 07, 2012 10:24 am
 
Forum: Investing - Help with Personal Investments
Topic: 457B - Is there a quirk in the law... [Answer: not anymore]
Replies: 5
Views: 684

457B - Is there a quirk in the law... [Answer: not anymore]

that I need to be worried about? I found this, and it has me at least thinking about the risk... I believe this happened in 1994. "Employees participating in an Orange County 457 plan apparently have lost 10% of the assets in the plan, and may lose as much as 22%. They have stopped contributing...
by eazy
Fri Sep 07, 2012 9:44 am
 
Forum: Investing - Help with Personal Investments
Topic: 457B - Is there a quirk in the law... [Answer: not anymore]
Replies: 5
Views: 684

Re: Help with my ROTH... Then other investments

eazy , are you sure you have to pay the Front loads? Most employer plans waive them. Find out. Just to be sure, are the expense ratios you listed for Nationwide for your specific plan ? All plans are different. Do you also have Front loads for the ICMA-RC plan? Between phone calls and emails, I'm s...
by eazy
Thu Aug 23, 2012 10:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with my ROTH... Then other investments
Replies: 21
Views: 3662

Re: Help with my ROTH... Then other investments

Debt: Vehicle loan $27,914 @ 3.99% I would consider paying this down and eliminating sooner than later :happy Another way to do this is to sell this car and get a cheaper car. Thanks and I have a update to this. As of today I now have this financed at 1.49% through PedFed. Thanks to all who recomme...
by eazy
Mon Aug 20, 2012 5:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with my ROTH... Then other investments
Replies: 21
Views: 3662

Re: Help with my ROTH... Then other investments

Understandable Duckie, here is what I found for Nationwide... Asset Allocation Funds Nationwide Destination 2020 Fund (NWAFX) 9 Front load 5.75%, Expense ratio 0.92% Nationwide Destination 2025 Fund (NWHAX) 9 Front load 5.75%, Expense ratio 0.91% Nationwide Destination 2030 Fund (NWIAX) 9 Front load...
by eazy
Mon Aug 20, 2012 5:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with my ROTH... Then other investments
Replies: 21
Views: 3662

Re: Help with my ROTH... Then other investments

Here in the next couple of day I will try to find the fees and expenses for the ICMA-RC investments. Here are my Nationwide options https://www.nrsforu.com/iApp/rsc/fundPe ... PreLogin.x
by eazy
Sun Aug 19, 2012 8:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with my ROTH... Then other investments
Replies: 21
Views: 3662

Re: Help with my ROTH... Then other investments

Duckie,
Once again great info!!

Here is the first of the two vendors we can choose from. These are my investment option from ICMA-RC.

https://harper1.icmarc.org/rf/EmailView ... DUYuQzA%3D
by eazy
Sun Aug 19, 2012 5:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with my ROTH... Then other investments
Replies: 21
Views: 3662

Re: Help with my ROTH... Then other investments

A 457 is a tax-sheltered employer plan. If you work for a city it is a governmental 457 which is the better kind. You can contribute up to $17K per year (probably, plans sometimes vary). It reduces your current taxable income (and take-home pay) and thereby reduces your current taxes. Putting retir...
by eazy
Tue Aug 14, 2012 9:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with my ROTH... Then other investments
Replies: 21
Views: 3662

Re: Help with my ROTH... Then other investments

Duckie, thanks again for your time in helping. Your comment about the pension not being part of my overall portfolio has really cleared some things up for me - thanks!! The city does offer a 457, which I do not contribute to. Reason being, I just do not know about them or where it would fit into my ...
by eazy
Tue Aug 14, 2012 5:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with my ROTH... Then other investments
Replies: 21
Views: 3662

Portfolio breakdown please

This is the portfolio I participate in through work. I'm trying to figure a overall portfolio for asset allocations, but don't understand how this one works. This is holding me up from planning and creating a overall plan. I called and they referred me here http://www.tmrs.org/investments.php Can so...
by eazy
Tue Aug 14, 2012 4:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio breakdown please
Replies: 1
Views: 303

Re: Help with my ROTH... Then other investments

Thanks Toons and Gemini, I'm going to look into that first thing in the morning. And sorry if I'm all over the place with my first two post in this thread... :oops: Please let me know if you need further explanation before giving your opinion about my plan.
by eazy
Mon Aug 13, 2012 10:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with my ROTH... Then other investments
Replies: 21
Views: 3662

Re: Help with my ROTH

Duckie thanks for the response! To achieve my three legged monster , I started the process of moving my ROTH to Vanguard and into VFIFX. By three legged monster, I mean I would like draw from three accounts when I reach a certain age in life.... First I would like to draw from some sort of account (...
by eazy
Mon Aug 13, 2012 9:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with my ROTH... Then other investments
Replies: 21
Views: 3662

Help with my ROTH... Then other investments

Hello all :) Long story short... The latter part of last year I started a ROTH with Scottrade. I deposited ($1,603.00 in 2011) and invested in Focus Morningstar small, medium and large index ETFs (free trades trough Scottrade). I did this from what little I learned on here (no shot at you folks, it'...
by eazy
Mon Aug 13, 2012 3:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with my ROTH... Then other investments
Replies: 21
Views: 3662

Re: ETF vs Mutual Funds

Equity ETFs are more tax efficient than traditional index funds. So, an ETF may be better if you are investing a taxable account. It doesn't matter if you're investing an IRA or other tax sheltered account. Traditional index funds create and redeem shares in cash. This means investors give the fund...
by eazy
Mon Apr 09, 2012 6:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: ETF vs Mutual Funds
Replies: 11
Views: 1278

Re: I can still contribute toward 2011, correct?

bru wrote:You have until the tax filing deadline, April 17 this year. Just make sure you specify it is for 2011 so there is no confusion.


Great, thank you!
by eazy
Thu Mar 29, 2012 7:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: I can still contribute toward 2011, correct?
Replies: 2
Views: 403

I can still contribute toward 2011, correct?

Correct me if I'm wrong, but when I put money towards my Roth on April 6 I can mark this to 2011?
by eazy
Thu Mar 29, 2012 7:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: I can still contribute toward 2011, correct?
Replies: 2
Views: 403

Re: Short and Long term capital gains time start when?

Sorry everyone if I'm causing confusing. I'm referring to entry date as when I placed my order... Like if I bought something today (03/22/2012), I'm considering today the entry date.
by eazy
Thu Mar 22, 2012 3:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Short and Long term capital gains time start when?
Replies: 11
Views: 716

Re: Short and Long term capital gains time start when?

Sorry, but I'm still not understanding. Is it the day after you purchased (entry date) or the day after the settlement date?
by eazy
Thu Mar 22, 2012 2:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Short and Long term capital gains time start when?
Replies: 11
Views: 716

Short and Long term capital gains time start when?

Entry date, settlement date or the day after the entry date? I tired looking on the IRS website, but didn't know where to start so I didn't find anything.

Thanks in advance!
by eazy
Thu Mar 22, 2012 1:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Short and Long term capital gains time start when?
Replies: 11
Views: 716

Re: Morningstar Large, Mid and Small Cap Index ETFs

The methodologies for S&P, Russell and Morningstar are different. S&P hand picks the stocks for the predominantly large cap 500, Midcap 400 and the Smallcap 600. Russell divides the largest 3000 stocks into the Russell 1000 large cap and the Russell 2000 small cap. Morningstar takes the top...
by eazy
Tue Mar 20, 2012 10:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Morningstar Large, Mid and Small Cap Index ETFs
Replies: 3
Views: 390

Morningstar Large, Mid and Small Cap Index ETFs

Not quite sure how to ask this, but how close are Morningstars' indexes compared to ETF's that solely index the S&P 500 and Russell 2000? Please let me know if you don't understand my question. Example.. FLG vs VOO. Besides price and expenses, are these two basically tracking the same index per ...
by eazy
Tue Mar 20, 2012 9:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Morningstar Large, Mid and Small Cap Index ETFs
Replies: 3
Views: 390

Re: New question from reading the BogleHeads' Guide To Inves

Great, thank you! I'll look into the three you mentioned.
by eazy
Tue Mar 20, 2012 9:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: New question from reading the BogleHeads' Guide To Investing
Replies: 3
Views: 613

New question from reading the BogleHeads' Guide To Investing

It's from chapter seventeen "Track Your Progress and Rebalance When Necessary" I'm very interested in the process that uses expansion bands to rebalance. Is there a free software/website out there that you can setup and it will track all the changes for you? I tried with Google portfolios,...
by eazy
Tue Mar 20, 2012 5:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: New question from reading the BogleHeads' Guide To Investing
Replies: 3
Views: 613

Re: For a Roth, I Bond or TIPS?

Okay thank you everyone! So can someone please explain this statement from the book, I'm still confused and want to understand before I move on. "When you own TIPS in your taxable account, the major downside is that you have to deal with the issue of paying annual taxes on some income that you ...
by eazy
Fri Mar 16, 2012 5:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: For a Roth, I Bond or TIPS?
Replies: 8
Views: 826

For a Roth, I Bond or TIPS?

Today I finally received my book "The Bogleheads Guide to Investing" So far I have made it to Chapter 5, Preserve You Buying Power with Inflation-Protected Bonds. The book started out as easy reading, but as I got to Bonds and this (inflation protection) it is starting to lose me. Not the ...
by eazy
Fri Mar 16, 2012 5:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: For a Roth, I Bond or TIPS?
Replies: 8
Views: 826

Re: Mutual Fund question...

I'm concerned that a 31 year old is relying (mostly) on a City pension 24 years in the future. ⋅ While counting on this pension, you are only saving $5,000 per year in a Roth IRA. ⋅ Can you expand some more on the reasoning why you feel that relying in the pension is a slamdunk?...
by eazy
Fri Feb 24, 2012 6:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mutual Fund question...
Replies: 8
Views: 822

Re: Mutual Fund question...

That’s it and you did read it right. It was my fault for not asking more questions… I just thought if I laid the plan out, others would comment on what changes I need to make or even if I was on the right track. I stated this “I know this is all subject to change… But you’ve seen what I have current...
by eazy
Fri Feb 24, 2012 4:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mutual Fund question...
Replies: 8
Views: 822

Re: Mutual Fund question...

YDNAL,

Thanks for the response! My current retirement is not a 401k type - It's TMRS. Also, I tried posting of like you linked, but I did not get much feedback.
by eazy
Fri Feb 24, 2012 3:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mutual Fund question...
Replies: 8
Views: 822

Re: Mutual Fund question...

When you have the ability to choose any fund you want (in an IRA for instance), I don't usually see any need to pay more than 0.20% or so. Conversely, if you have an employer-sponsored plan (e.g., 401k) to which it makes sense to contribute for tax purposes or to take advantage of an employer match...
by eazy
Fri Feb 24, 2012 2:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mutual Fund question...
Replies: 8
Views: 822

Mutual Fund question...

In your opinion, what % is just too high for a annual report Gross expense ratio? With that, what is the most you'll pay?

Thanks in advance!
by eazy
Fri Feb 24, 2012 1:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mutual Fund question...
Replies: 8
Views: 822
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