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by elgob.bogle
Tue May 05, 2015 10:14 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Extended Market Index Fund
Replies: 6
Views: 835

Re: Fidelity Extended Market Index Fund

The extended market fund compliments the S&P 500 fund. It also tends to be more volatile because of the small & mid-cap stocks it contains. DW has both funds in her 401k account & invests S&P500:Extended Market at a 4:1 ratio. If you go to Morningstar's Instant X-Ray tool and enter t...
by elgob.bogle
Tue Apr 28, 2015 8:24 pm
Forum: Investing - Theory, News & General
Topic: 5 year tips auction: TBA 4/16/2015 Neg 0.480 Yield?
Replies: 8
Views: 1162

Re: 5 year tips auction: TBA 4/16/2015 Neg 0.480 Yield?

OOPS! Thanks for the correction!

elgob
by elgob.bogle
Fri Apr 24, 2015 12:02 pm
Forum: Local Chapters and Bogleheads Community
Topic: Tampa, FL Chapter
Replies: 4
Views: 602

Re: Tampa, FL Chapter

Tampaite - at the time, a policeman from Clearwater named Adrian Nenu was heavily involved with the SW FL Chapter. The meeting was conducted pretty much like he described in this thread: https://www.bogleheads.org/forum/viewtopic.php?f=9&t=64383 I remember it was a long round trip, and I didn't ...
by elgob.bogle
Thu Apr 23, 2015 8:34 pm
Forum: Investing - Help with Personal Investments
Topic: vanguard making changes to asset allocation
Replies: 2
Views: 570

Re: vanguard making changes to asset allocation

This topic has bee discussed , mostly in the Theory sub-forum. Try using the search engine (top right). Also see the discussion concerning Rick Ferri & International Funds http://www.bogleheads.org/forum/viewtop ... 0&t=154400

elgob
by elgob.bogle
Thu Apr 23, 2015 2:40 pm
Forum: Local Chapters and Bogleheads Community
Topic: Tampa, FL Chapter
Replies: 4
Views: 602

Re: Tampa, FL Chapter

I'm in Tampa & would go to local meetings. The SW FL chapter is kinda inactive. I went to one meeting at The Villages in Lake County a few years ago, and it was fun.

elgob
by elgob.bogle
Thu Apr 23, 2015 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: TIRA conversion to Roth
Replies: 2
Views: 221

Re: TIRA conversion to Roth

Read about Recharacterization on the Wiki https://www.bogleheads.org/wiki/IRA_recharacterization

elgob
by elgob.bogle
Thu Apr 23, 2015 2:17 pm
Forum: Investing - Theory, News & General
Topic: 5 year tips auction: TBA 4/16/2015 Neg 0.480 Yield?
Replies: 8
Views: 1162

Re: 5 year tips auction: TBA 4/16/2015 Neg 0.480 Yield?

5-Year 912828K33 No 04/30/2015 04/15/2020 -0.335% 0.125% Copied from Treasury Direct Web Site 3:15 pm today. Looks like -.355! :D

elgo
by elgob.bogle
Thu Apr 23, 2015 8:50 am
Forum: Investing - Theory, News & General
Topic: 5 year tips auction: TBA 4/16/2015 Neg 0.480 Yield?
Replies: 8
Views: 1162

Re: 5 year tips auction: TBA 4/16/2015 Neg 0.480 Yield?

"Toady" is a demonstration of my dyslexia :(

elgob
by elgob.bogle
Thu Apr 23, 2015 7:18 am
Forum: Investing - Theory, News & General
Topic: 5 year tips auction: TBA 4/16/2015 Neg 0.480 Yield?
Replies: 8
Views: 1162

Re: 5 year tips auction: TBA 4/16/2015 Neg 0.480 Yield?

5 Yr auction toady. Yield estimate -.488 as of 8:15 am this morning. Someone is buying TIPS - see Seeking Alpha http://seekingalpha.com/article/3092886 ... 1&uprof=46

elgob
by elgob.bogle
Tue Apr 21, 2015 10:19 pm
Forum: Investing - Help with Personal Investments
Topic: Help direct contributions between Roth and Traditional IRAs
Replies: 7
Views: 331

Re: Help direct contributions between Roth and Traditional I

You can invest in your wife's ROTH IRA even if she is not working. Consider loading up both ROTH IRA's and putting what you can in your 401k/tIRA's.

elgob
by elgob.bogle
Tue Apr 21, 2015 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: Help direct contributions between Roth and Traditional IRAs
Replies: 7
Views: 331

Re: Help direct contributions between Roth and Traditional I

Is your wife employed? You noted her salary was $0

elgob
by elgob.bogle
Tue Apr 21, 2015 8:18 pm
Forum: Investing - Help with Personal Investments
Topic: Help direct contributions between Roth and Traditional IRAs
Replies: 7
Views: 331

Re: Help direct contributions between Roth and Traditional I

Welcome to the forum! IMO, it would be advantageous to secure any employer matches right away, then suspend 4xxx payroll deductions until you have your ROTH IRA's filled, then go back to 4xxx &/or traditional IRA. Before I retired, we always tried to save enough each year so that we could fill o...
by elgob.bogle
Mon Apr 20, 2015 9:19 pm
Forum: Investing - Help with Personal Investments
Topic: What are the best Vanguard Funds to buy?
Replies: 12
Views: 1739

Re: What are the best Vanguard Funds to buy?

Steve Roy - "youngest fund" blooper - hahahahah!

elgob
by elgob.bogle
Mon Apr 20, 2015 5:24 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Asset Allocation - My first Post!
Replies: 8
Views: 566

Re: Portfolio Asset Allocation - My first Post!

Hi - welcome to the forum. I'm going to let the experts delve into you portfolio. I do however, suggest that you look at the Wiki on efficient placement of your holdings. In general, you would want your 40% bonds in your tax-exempt accounts and efficient equities in your taxable account.

elgob
by elgob.bogle
Mon Apr 20, 2015 7:39 am
Forum: Personal Finance (Not Investing)
Topic: Preparing for the Minimum Required Distribution
Replies: 41
Views: 3199

Re: Preparing for the Minimum Required Distribution

If you are not tied to New Jersey, you could consider moving to a more tax friendly environment. See http://www.kiplinger.com/slideshow/retirement/T006-S001-10-least-tax-friendly-states-for-retirees/index.html & http://www.kiplinger.com/slideshow/retirement/T006-S001-10-most-tax-friendly-states-...
by elgob.bogle
Sat Apr 18, 2015 9:58 pm
Forum: Investing - Help with Personal Investments
Topic: To TIP or not to TIP (funds)?
Replies: 23
Views: 3483

Re: To TIP or not to TIP (funds)?

Well - some folks are buying Individual TIPS. The prices of all TIPS in my intermediate ladder (10 yr) have been steadily increasing since about the time that the Euro Quantitative Easing started last month. The price of gold also has jumped a little. Do these price moves suggest unexpected inflatio...
by elgob.bogle
Thu Apr 16, 2015 6:54 pm
Forum: Investing - Theory, News & General
Topic: Roth IRA
Replies: 4
Views: 366

Re: Roth IRA

Are you stating your income before or after your 401k contributions? This could make a big difference.

elgob
by elgob.bogle
Thu Apr 16, 2015 11:02 am
Forum: Investing - Theory, News & General
Topic: 5 year tips auction: TBA 4/16/2015 Neg 0.480 Yield?
Replies: 8
Views: 1162

Re: 5 year tips auction: TBA 4/16/2015 Neg 0.480 Yield?

Yep - I have already placed my order (see "To TIP or Not to TIP" in the Personal Investments sub-forum)

elgob
by elgob.bogle
Thu Apr 16, 2015 10:49 am
Forum: Investing - Help with Personal Investments
Topic: To TIP or not to TIP (funds)?
Replies: 23
Views: 3483

Re: To TIP or not to TIP?

Treasury Direct is now taking 5-yr TIPS orders. Indicative yield. exclusive of inflation, was -.482, factor 1.00217 at 11:30 am. It was -.481 at 11:50 am. "The Indicative Yield is an estimate based off the most recently issued Treasury security of similar maturity that is currently available am...
by elgob.bogle
Wed Apr 15, 2015 8:06 pm
Forum: Investing - Help with Personal Investments
Topic: To TIP or not to TIP (funds)?
Replies: 23
Views: 3483

Re: To TIP or not to TIP?

Thanks for the education/explanation! I'm still going to place my order tomorrow!

elgob
by elgob.bogle
Wed Apr 01, 2015 2:19 pm
Forum: Investing - Help with Personal Investments
Topic: To TIP or not to TIP (funds)?
Replies: 23
Views: 3483

Re: To TIP or not to TIP?

I purchase individual TIPS so that I have protection against unexpected inflation as well as unexpected deflation. TIPS purchased at auction can be redeemed at maturity for no less than the purchase price. There is an auction for 5-year TIPS in mid April. You will need a brokerage account at Vanguar...
by elgob.bogle
Sun Mar 08, 2015 8:55 am
Forum: Investing - Help with Personal Investments
Topic: building up nest egg in retirement
Replies: 12
Views: 1185

Re: building up nest egg in retirement

Perhaps a 3 fund portfolio at Vanguard: Total International, Total US. Intermediate-Term Municipal Bonds.

elgob
by elgob.bogle
Thu Mar 05, 2015 9:28 pm
Forum: Investing - Help with Personal Investments
Topic: Reasons not to use Total Bond Market?
Replies: 83
Views: 7574

Re: Reasons not to use Total Bond Market?

I find this discussion intellectually challenging - thanks!

elgob
by elgob.bogle
Sun Mar 01, 2015 6:26 pm
Forum: Investing - Theory, News & General
Topic: What's your average ER? [Expense Ratio]
Replies: 123
Views: 8080

Re: What's your average ER?

I've been able to get min down to .048 overall. Lots of individual TIPS & some CD's (all with no ER) helps to pull down Total US Stock Market (ER = .05) and Total Bond (FXSTX .07). :D

elgob
by elgob.bogle
Sat Feb 28, 2015 7:22 pm
Forum: Investing - Help with Personal Investments
Topic: Help planning Roth IRA Conversion
Replies: 4
Views: 490

Re: Help planning Roth IRA Conversion

It might help if you listed assets in each account and their individual percent of portfolio.

elgob
by elgob.bogle
Sat Feb 28, 2015 6:37 am
Forum: Investing - Help with Personal Investments
Topic: slice and dice question (fixed income)
Replies: 10
Views: 924

Re: slice and dice question (fixed income)

Would take volumes to answer your question. Suggest that you see https://www.bogleheads.org/wiki/Category:Bonds and Larry Swedroe's "The Only Guide to a WIning Bond Strategy That Yo Will Ever Need".

elgob
by elgob.bogle
Thu Feb 26, 2015 10:15 pm
Forum: Investing - Help with Personal Investments
Topic: Which Bonds To Invest In?
Replies: 9
Views: 1676

Re: Which Bonds To Invest In?

Hi & Welcome to the Forum! Is either the 403B or the 401k account from an old employer? If so, I would move them to an IRA in order to provide more flexibility in bond offerings.

elllgob
by elgob.bogle
Tue Feb 24, 2015 7:32 pm
Forum: Investing - Help with Personal Investments
Topic: old 401A options
Replies: 3
Views: 204

Re: old 401A options

When I retired, I had a 401a. Vanguard did all the work involved in rolling the funds into my IRA!

elgob
by elgob.bogle
Tue Feb 24, 2015 7:12 pm
Forum: Investing - Theory, News & General
Topic: Moving to Cash?
Replies: 24
Views: 2196

Re: Moving to Cash?

Island asked: "I don't know much about Tips, brokered CDs, laddering strategies. Curious why these instead of bonds?" For me, ROTH space is precious, and I didn't want to be short of $$ when it came time to finish the rungs of my TIPS ladder. There is a rule of thumb that one shouldn't inv...
by elgob.bogle
Tue Feb 24, 2015 4:20 pm
Forum: Investing - Theory, News & General
Topic: Moving to Cash?
Replies: 24
Views: 2196

Re: Moving to Cash?

I am already retired. I did some hedging recently by purchasing new issue brokered CD's of 9, 12, 18 & 24 months, each lot of which will be enough to finish building my TIPS ladder as auctions come up. I chose brokered CD's for convenience, as the funds are in my ROTH IRA. They won;t pay much, a...
by elgob.bogle
Fri Feb 20, 2015 8:54 am
Forum: Investing - Help with Personal Investments
Topic: Should I switch to the 3 fund portfolio?
Replies: 37
Views: 5320

Re: Should I switch to the 3 fund portfolio?

Yes. (Optional) First create a Taxable Money Market Fund and then transfer your $$ into it. Then transfer the $$, in the case e.g. of a 3-fund portfolio, to Total International, Total US, and Intermediate Term Tax Exempt Municipal Bond Funds in the ratios that you have settle on (AA). Munis are usua...
by elgob.bogle
Mon Feb 09, 2015 9:44 am
Forum: Investing - Theory, News & General
Topic: Vanguard cd question [Brokered CDs]
Replies: 51
Views: 7525

Re: Vanguard cd question [Brokered CDs]

Thanks to both of you for your replies. I'm thinking that I will exchange needed Treasury funds share for Money Market fund shares today and research the Brokered CD & Secondary TIPS options. Is it possible to loose principal if I purchase secondary TIPS and hold to maturity? Aren't fees associa...
by elgob.bogle
Sun Feb 08, 2015 10:42 pm
Forum: Investing - Theory, News & General
Topic: Vanguard cd question [Brokered CDs]
Replies: 51
Views: 7525

Re: Vanguard cd question [Brokered CDs]

I have enough $$ invested in Vanguard's Short-Term Treasury fund for the Jan & Apr, 2016 & 2017, 10 yr & 5 yr TIPS auctions. I wish that I would have sold shares and placed the proceeds into my ROTH Money Market account early last week when the bonds were priced $.05 higher than they wer...
by elgob.bogle
Wed Feb 04, 2015 7:57 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA conversion: confirm I'm approaching it correctly?
Replies: 9
Views: 640

Re: Roth IRA conversion: confirm I'm approaching it correct

Go for it - now if possible. We can't discuss proposed legislation here - so I won't. However, it may be worthwhile for you to read these two articles: http://blog.aarp.org/2015/02/04/obama-budget-would-drastically-alter-ira-rules/ http://www.forbes.com/sites/jamiehopkins/2015/02/04/president-obamas...
by elgob.bogle
Tue Feb 03, 2015 11:07 pm
Forum: Investing - Theory, News & General
Topic: Help me find a topic/article to present to my class
Replies: 8
Views: 524

Re: Help me find a topic/article to present to my class

Plenty of fresh topics here in the past week or so - just scroll down. IMO, you should pick something that you know little about, but would like to, and make this a learning assignment.

elgob
by elgob.bogle
Tue Feb 03, 2015 7:09 pm
Forum: Investing - Help with Personal Investments
Topic: Approaching Roth IRA income limits
Replies: 15
Views: 1423

Re: Approaching Roth IRA income limits

Would it be possible for your company to pay your bonus in 2016? If so, this might help you out.

elgob
by elgob.bogle
Mon Feb 02, 2015 11:46 pm
Forum: Investing - Help with Personal Investments
Topic: My Traditional IRA conversion to Roth IRA dilemma
Replies: 34
Views: 2328

Re: My Traditional IRA conversion to Roth IRA dilemma

Hi & Welcome to the forum! One generally should only convert if using outside source money. You didn't mention where the tax money is coming from for the conversion.

elgob
by elgob.bogle
Mon Feb 02, 2015 8:15 pm
Forum: Investing - Help with Personal Investments
Topic: Dividing investment between spouse's and own 401ks
Replies: 4
Views: 319

Re: Dividing investment between spouse's and own 401ks

A Rule of Thumb: 1) Make enough 401k contributions to capture any match ( which amounts to 100% return) (2) Max-Out ROTH IRAs (3) Go back to 401k's, contributing all you can afford

elgob
by elgob.bogle
Mon Feb 02, 2015 8:13 pm
Forum: Investing - Help with Personal Investments
Topic: Increasing Retirement Contributions 401k or Roth IRA?
Replies: 15
Views: 1538

Re: Increasing Retirement Contributions 401k or Roth IRA?

A Rule of Thumb: 1) Make enough 401k contributions to capture any match ( which amounts to 100% return) (2) Max-Out ROTH IRAs (3) Go back to 401k's, contributing all you can afford

elgob
by elgob.bogle
Sun Feb 01, 2015 12:12 am
Forum: Investing - Help with Personal Investments
Topic: Retirement allocation
Replies: 6
Views: 935

Re: Retirement allocation

I'd be tempted to protect some of that fixed income $$ from unexpected inflation by building a TIPS bond ladder.

elgob
by elgob.bogle
Sun Feb 01, 2015 12:07 am
Forum: Investing - Help with Personal Investments
Topic: Leave $ in State Retirement?
Replies: 8
Views: 707

Re: Leave $ in State Retirement?

Consider that in Detroit/Michigan & elsewhere pensions are under funded and promised benefits have been adjusted downward to help make up the shortfalls - a precedent established in the courts. When I retired, i was faced with similar choices as you have. Considering that my small pension was no...
by elgob.bogle
Sat Jan 31, 2015 2:12 pm
Forum: Investing - Help with Personal Investments
Topic: Combining LifeStragety Funds?
Replies: 3
Views: 362

Re: Combining LifeStragety Funds?

Hi! Welcome to the forum! It is hard to say what is going to happen with bonds, especially since Europe is just starting their QE program an our economy just his a winter rough patch again. If you are interested mostly in income with security, perhaps you could consider building a CD ladder, either ...
by elgob.bogle
Sat Jan 31, 2015 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: New Option - Roth 401k
Replies: 8
Views: 801

Re: New Option - Roth 401k

You two likely have 40-50 years of potential growth and dividends ahead of you in your lives. IMO - it would make sense to invest in a ROTH 401k. I suggest that you talk to your Human Resources Manager to see what conversions are possible.

elgob
by elgob.bogle
Fri Jan 30, 2015 7:26 pm
Forum: Investing - Theory, News & General
Topic: The lowest stock allocation you plan to stay with
Replies: 79
Views: 4832

Re: The lowest stock allocation you plan to stay with

If we've "won the game" (have accumulated 50 x estimated annual expenses) by the time wife retires in 5 years at age 65 (I'll be 72), we plan to downsize our equity position from 35% to 25% and hold at that level.

elgob
by elgob.bogle
Fri Jan 30, 2015 7:17 pm
Forum: Investing - Help with Personal Investments
Topic: Rolling over 401ks to IRA
Replies: 3
Views: 271

Re: Rolling over 401ks to IRA

Welcome to the Forum! Have you considered moving your account to vanguard? They will do all of the work for you. Also, is there a limit on the number of rollovers and/or transfers that you can do in any given year without incurring tax penalties?

elgob
by elgob.bogle
Fri Jan 30, 2015 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: Is it unusual to have NO index fund options in 403(b)?
Replies: 10
Views: 631

Re: Is it unusual to have NO index fund options in 403(b)?

You didn't mention if you and your spouse have ROTH IRA's. When faced with a similar problem a few years back, a friend used the $$ to fund both her husband's and her ROTH IRA's. She did not have a 403b match, so she didn't loose out on anything except the total amount she was able to put in tax adv...
by elgob.bogle
Fri Jan 30, 2015 2:14 pm
Forum: Investing - Help with Personal Investments
Topic: Cheaper to rollover old 401k?
Replies: 7
Views: 430

Re: Cheaper to rollover old 401k?

That $100/per year extra bumps your overall ER from .08 up to .63 suggests that you don't have a lot of $$ in the account - or am I missing something? Accordingly, I suggest that you roll it into your IRA.

elgob

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