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Re: HSA funds

I suppose you could complain, but they probably won't change due to the unbelievable hassle it must be to drop fund offerings and transfer folks' funds that are already invested. Move it over to ELFCU once you have the $2,500 minimum, get your commission-free ETFs set up in the TD Ameritrade account...
by gvsucavie03
Fri Apr 18, 2014 10:36 am
 
Forum: Investing - Theory, News & General
Topic: HSA funds
Replies: 2
Views: 87

Re: New Member, help with portfolio please.

It would be nice to add a rental house or two to supplement income in the future but I am nowhere near able to swing that yet. So another taxable account at a different firm (Vanguard?) may not be a bad idea. Just have to figure out what fund to invest in, VTSAX perhaps? Decisions, decisions... Or ...
by gvsucavie03
Fri Apr 18, 2014 10:29 am
 
Forum: Investing - Help with Personal Investments
Topic: New Member, help with portfolio please.
Replies: 5
Views: 621

Re: Lost $10K in my investments past few months

I feel (and a lot of other BH's feel) the only sector you should ever "tilt" towards is REITs. Otherwise, small caps, TIPS and Short/Intermediate Corporate Bonds and that's pretty much it. Everything else is much too volatile and risky. One major change in law for the Biotech firms and you...
by gvsucavie03
Tue Apr 15, 2014 9:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lost $10K in my investments past few months
Replies: 36
Views: 4297

Re: New Member, help with portfolio please.

I definitely think you're on the right track. This forum recommends about 6-8 months of expenses in an emergency fund (some say higher), you could think about getting that a little higher than just 3. I'd personally pay off the car debt especially as fast as I could, then raise the EF. The Roth coul...
by gvsucavie03
Tue Apr 15, 2014 9:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Member, help with portfolio please.
Replies: 5
Views: 621

Re: New Member, help with portfolio please.

What is your desired asset allocation?
by gvsucavie03
Mon Apr 14, 2014 8:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Member, help with portfolio please.
Replies: 5
Views: 621

Re: 401k Investment Options

my EJ advisor talked me into putting it into the market You should fire this person, too and get a few books if you haven't read anything yet. I strongly recommend "Boglehead's Guide to Investing," "Little Book of Common Sense Investing," and "Common Sense on Mutual Funds.&...
by gvsucavie03
Wed Apr 09, 2014 7:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k Investment Options
Replies: 12
Views: 473

Re: 401k Investment Options

Thanks gvsucavie03. I understand what you are saying about having a lot of money in company stock, but I'm not really sure what I could do about it. If I recall correctly, a portion of our bonus, 401k match, etc. is given to us as company stock. I'd have to dig through my benefits package to look a...
by gvsucavie03
Wed Apr 09, 2014 6:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k Investment Options
Replies: 12
Views: 473

Re: 401k Investment Options

The company I work for has been in business for over 125 years, and I do not foresee that changing any time soon. This is still incredibly risky. I have never read any investing advice that says to own more than 10% of your portfolio in company stock. I think this is still too much risk. You not on...
by gvsucavie03
Wed Apr 09, 2014 4:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k Investment Options
Replies: 12
Views: 473

Re: 401k Investment Options

If you wish to increase bonds as you age (I would), you could systematically move some of your 401(k) to the Black Rock bond index.
by gvsucavie03
Wed Apr 09, 2014 3:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k Investment Options
Replies: 12
Views: 473

Re: What is risk tolerance?

longinvest wrote:I think that risk tolerance is not simply a human emotion; I think that it takes into account the ratios of salary, time horizon, and portfolio size.


+1
by gvsucavie03
Wed Apr 09, 2014 3:14 pm
 
Forum: Investing - Theory, News & General
Topic: What is risk tolerance?
Replies: 12
Views: 518

Re: 401k Investment Options

**Roth IRA - just go with Total Bond Market Index fund (VBMFX).... I misread your Roth IRA percentage earlier and realized it was only 13% of your total portfolio....
by gvsucavie03
Wed Apr 09, 2014 3:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k Investment Options
Replies: 12
Views: 473

Re: 401k Investment Options

Emergency funds: $10,000. Debt: Home Loan About $140k @ 3.75% Tax Filing Status: Single Tax Rate: 25% Federal, 0% State State of Residence: Texas Age: 30 Desired Asset allocation: I'm not sure Desired International allocation: I'm not sure I currently have a little over $100k in my accounts. Curren...
by gvsucavie03
Wed Apr 09, 2014 3:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k Investment Options
Replies: 12
Views: 473

Re: What is risk tolerance?

Your emotional ability to choose an asset allocation that you will stick to NO MATTER WHAT HAPPENS LATER ON. As the name implies, it's your own ability to tolerate certain market and financial risks. You come up with an allocation of stock and bond holdings, decide how that will change (or not) as y...
by gvsucavie03
Wed Apr 09, 2014 2:44 pm
 
Forum: Investing - Theory, News & General
Topic: What is risk tolerance?
Replies: 12
Views: 518

Re: First post - retirement questions

In this situation, my suggestion would be to think of your retirement funds as being two buckets. The first bucket needs to last you from the start of retirement until you start drawing SS. That is money that you want to have pretty conservatively invested. That might be about $350K that you would ...
by gvsucavie03
Wed Apr 09, 2014 8:39 am
 
Forum: Investing - Help with Personal Investments
Topic: First post - retirement questions
Replies: 6
Views: 1052

Re: First post - retirement questions

Your asset allocation is whatever can survive the "sleep" test... if you lose sleep because it is too aggressive (or even too conservative), you should change it to match your desires, goals, fears, and risk tolerance. Always remember, a loss on paper is not realized unless you sell. The m...
by gvsucavie03
Tue Apr 08, 2014 10:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: First post - retirement questions
Replies: 6
Views: 1052

Re: HSA help

verysiberian wrote:What's not to love?


The annual fee and .08% charged to purchase mutual funds... you can go to ELFCU for no fee and purchase commission-free Vanguard ETFs in a TD Ameritrade account.
by gvsucavie03
Tue Apr 08, 2014 9:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA help
Replies: 16
Views: 1910

Re: HSA help

Ended up going with ELFCU for HSA. I held off posting until I completed the entire process of signing up, submitting my contribution, opening the brokerage link to TD Ameritrade, and buying commission-free ETFs. Pretty smooth process. You have to open a savings account. No minimum requirements asid...
by gvsucavie03
Tue Apr 08, 2014 8:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA help
Replies: 16
Views: 1910

Re: How are you preparing for the coming bear market

Longtimelurker wrote:Isn't the whole point of the boglehead philosophy, setting an AA to match your need and ability to take risk, to prepare for a bear market?! Seems like a very silly question.


Exactly. I'm doing what my IPS says... same asset allocation, same rebalancing, keep saving, do nothing, repeat.
by gvsucavie03
Mon Apr 07, 2014 8:45 am
 
Forum: Investing - Theory, News & General
Topic: How are you preparing for the coming bear market
Replies: 104
Views: 7776

Re: "20 Largest Stock Mutual Funds"

Excellent!

I watched a bunch of Bogle interviews on youtube.... what an incredible story from getting fired from Wellington to where he took Vanguard to where he is today.
by gvsucavie03
Sun Apr 06, 2014 8:28 pm
 
Forum: Investing - Theory, News & General
Topic: "20 Largest Stock Mutual Funds"
Replies: 1
Views: 580

Re: Should I see Frozen?

Definitely lived up to the hype. Good movie, excellent music.
by gvsucavie03
Sun Apr 06, 2014 8:14 am
 
Forum: Personal Consumer Issues
Topic: Should I see Frozen?
Replies: 16
Views: 1718

Re: Manually underwritten mortgage/emergency fund question

I don't believe they look at retirement accounts, although I could be wrong. Do you have other liquid money somewhere (savings, money market, cds, etc)? If all you have is a $1000 pad in checking, then you probably shouldn't have a mortgage. Your realtor probably knows a mortgage broker, get in tou...
by gvsucavie03
Tue Apr 01, 2014 8:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Manually underwritten mortgage/emergency fund question
Replies: 4
Views: 420

Manually underwritten mortgage/emergency fund question

My wife and I will likely do a manually underwritten mortgage as first-time home buyers. As the mortgage company sees it, would having "emergency fund" money in a Roth IRA (above our $1,000 "pad" in checking) hurt our chances at getting a premium rate? Is this money deemed ill-li...
by gvsucavie03
Tue Apr 01, 2014 1:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Manually underwritten mortgage/emergency fund question
Replies: 4
Views: 420

Re: HSA transfer (Health Equity to Vanguard)

I just read on another BH thread found on Google that you need to maintain a $2,500 checking balance. The Elfcu welcome kit says "initial start-up balance" of $2,500... do you have to always have $2,500 to use their TD Ameritrade account? The other thread is wrong. The $2,500 opens up the...
by gvsucavie03
Sun Mar 30, 2014 7:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA transfer (Health Equity to Vanguard)
Replies: 29
Views: 1689

Re: HSA transfer (Health Equity to Vanguard)

Also, just read an article from the other thread on this (http://thefinancebuff.com/best-hsa-provider-for-investing-hsa-money.html). He states that to start an HSA account at ELFCU, you just need $2,500 at the initial start-up and donate $5 to a charity. Virtually identical investment options, for v...
by gvsucavie03
Sun Mar 30, 2014 7:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA transfer (Health Equity to Vanguard)
Replies: 29
Views: 1689

Re: HSA transfer (Health Equity to Vanguard)

Does it then make sense to just use HSA Bank and stick with it? I'd pay more initially for HSA Bank, but save long-term when the account grows in value. Is my conclusion accurate? Don't limit yourself to only those two choices. Elfcu gives you the same setup as HSA Bank without the $66 fee. I just ...
by gvsucavie03
Sun Mar 30, 2014 6:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA transfer (Health Equity to Vanguard)
Replies: 29
Views: 1689

Re: Which Bond Fund(s)?

Please list all of your bond fund choices, ER's and ticker symbols.
by gvsucavie03
Sun Mar 30, 2014 12:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which Bond Fund(s)?
Replies: 8
Views: 751

Re: Reinvest Dividends or Use those Funds to Rebalance?

GV, Thanks. No, I will only add money to those taxable accounts if I have funds leftover after maxing out my ROTH TSP and IRAs. As yearly rebalancing approaches, one option I just thought of is to make a temporary contribution allocation adjustment to my TSP if my desired AA gets out of whack (5/25...
by gvsucavie03
Sun Mar 30, 2014 12:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reinvest Dividends or Use those Funds to Rebalance?
Replies: 11
Views: 662

Re: Reinvest Dividends or Use those Funds to Rebalance?

I would think the compounding of reinvested dividends exceeds the hassle and tax implications of a rebalance (and probable sale of some shares) each year. Since you aren't allocating new money to your taxable accounts (or didn't list on your edited OP), you're only left to either use the dividends o...
by gvsucavie03
Sun Mar 30, 2014 11:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Reinvest Dividends or Use those Funds to Rebalance?
Replies: 11
Views: 662

Re: Reinvest Dividends or Use those Funds to Rebalance?

I assume the funds in a taxable account now?
by gvsucavie03
Sun Mar 30, 2014 11:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Reinvest Dividends or Use those Funds to Rebalance?
Replies: 11
Views: 662

Re: HSA transfer (Health Equity to Vanguard)

Bumping this old post because the conclusion I came up with didn't quite make sense.... Recap - we have Health Equity and I would like to invest outside of their bad options. I would do this each January when my school district deposits that year's deductible to avoid Health Equity's fees for transf...
by gvsucavie03
Sun Mar 30, 2014 11:17 am
 
Forum: Investing - Help with Personal Investments
Topic: HSA transfer (Health Equity to Vanguard)
Replies: 29
Views: 1689

Re: Dave Ramsey on Bonds

A digression from the current thread, but certainly related... I've been offered to take over a section of "Personal Finance" - a course taught at my school (actually offered as a math credit) when the current teacher retires. This is the Dave Ramsey high school curriculum. I've listened t...
by gvsucavie03
Sun Mar 30, 2014 10:53 am
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey on Bonds
Replies: 17
Views: 3479

Re: Dave Ramsey on Bonds

We also need to remember that nearly all of Dave's "analysis" for selecting mutual funds is performance-based. On that notion, of course he would only recommend equities over bonds. He says his advice is principle-based and financially sound, but most if not all of us on this forum would a...
by gvsucavie03
Sat Mar 29, 2014 10:14 am
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey on Bonds
Replies: 17
Views: 3479

Oldie, but a goodie [Article: John Bogle on index funds]

I looked up this article when reading Common Sense on Mutual Funds - mentioned in chapter 5 "On Indexing." Great article from Money Magazine throwing their hands up and saying "Bogle Wins."

http://money.cnn.com/magazines/moneymag ... /index.htm
by gvsucavie03
Sat Mar 29, 2014 9:56 am
 
Forum: Investing - Theory, News & General
Topic: Oldie, but a goodie [Article: John Bogle on index funds]
Replies: 6
Views: 500

Re: NYCC (Powershares Century ETF)

It's almost a bell-curve when looking at the market capitalization on Morningstar.... most heavily in the mid cap range (mostly value and blend, little growth).

Definitely not a gimmick... probably not something I'd be interested in because of the strange index (100 year-old companies, etc.).
by gvsucavie03
Sat Feb 08, 2014 8:55 am
 
Forum: Personal Finance (Not Investing)
Topic: NYCC (Powershares Century ETF)
Replies: 4
Views: 308

Re: Dave Ramsey's voice is in my head...

We are doing the Dave Ramsey baby step plan. The only difference is that I am completely ignoring his investment strategy except the 15% part. He still thinks he can beat index funds and that everyone's asset allocation should be exactly the same... silly Dave. We had a car loan and a lot of student...
by gvsucavie03
Sat Feb 08, 2014 8:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey's voice is in my head...
Replies: 70
Views: 7254

Re: Deducting Tax preparation

Your former tax preparer could just be showing pension contributions made, not received.... more of a way to account for it on paper?? Not a smart way (well, wrong way) to do it, but might explain it if you didn't get a 1099 in January. Check your last stub of December for that tax year for pension ...
by gvsucavie03
Mon Feb 03, 2014 10:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Deducting Tax preparation
Replies: 14
Views: 634

Re: Deducting Tax preparation

The problem is the deduction goes on Sch A in an area that is subject to a 2% ceiling before you get a single penny, so unless you had other misc expenses that totaled 2% of your AGI, it would not show up in the result. Line 22 on the 2012 Sch A to be exact. fd Make sure you are including union due...
by gvsucavie03
Mon Feb 03, 2014 8:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Deducting Tax preparation
Replies: 14
Views: 634

Re: Portfolio Review - Single 24yo

1. IMO - Sell stock 2. If you can afford to max out both, do it. If you feel more comfortable with your state tax-free projections and wish to stop the Roth, go for it. Very nice 401(k), though... hopefully your fees are low and you can take full advantage of those rock-bottom ER's in the funds you'...
by gvsucavie03
Sun Feb 02, 2014 9:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Single 24yo
Replies: 3
Views: 483

Re: Age-Expenses-Number

Does this also assume we hope to safely withdraw at the rate of our current expenses?

Not sure how much clarity we will see from this post....
by gvsucavie03
Sun Feb 02, 2014 1:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Age-Expenses-Number
Replies: 3
Views: 414

Re: Age-Expenses-Number

dreamjob9 wrote:There have been tons of topics discussing safe withdrawal rates


Should this be included?
by gvsucavie03
Sun Feb 02, 2014 1:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Age-Expenses-Number
Replies: 3
Views: 414

Re: Market timing when combining investing and paying down d

I realize there isn't a way to know what will be best and this goes against Boglehead philosophy. This would be my answer. Thinking about what the market will do is not the question to be asking yourself. No one has a crystal ball... What is your current income and amount you are investing? What is...
by gvsucavie03
Sun Feb 02, 2014 12:30 pm
 
Forum: Investing - Theory, News & General
Topic: Market timing when combining investing and paying down debt
Replies: 22
Views: 1072

Re: Good sources on doing taxes?

chessmaster wrote:
Re-accomplish the same thing to complete and mail your state paper tax return.


Are state taxes something you do separately from federal taxes? Does it require a separate form?


State and Local if applicable.
by gvsucavie03
Wed Jan 29, 2014 10:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Good sources on doing taxes?
Replies: 51
Views: 2164

Re: Individual 401k Advise Needed

If you have control, why not check out Vanguard's personal 401(k)? https://investor.vanguard.com/what-we-offer/small-business/individual-401k. Schwab offers no fixed income index funds in the Fundamental or Index fund choices, that's why I mention it... Also, please post a full portfolio review snap...
by gvsucavie03
Wed Jan 29, 2014 10:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Individual 401k Advice Needed
Replies: 8
Views: 326

Re: Individual 401k Advise Needed

Are these the only fund options? Sounds like you have control over that...

30% International plus another 10% in emerging markets seems quite risky. Also, at age 43 you have (in your 401(k) at least) no bonds. Are there any other retirement accounts that have fixed income?
by gvsucavie03
Wed Jan 29, 2014 9:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Individual 401k Advice Needed
Replies: 8
Views: 326

Re: JOHN BOGLE'S NOMINATION FOR ECONOMIC LAUREATE

This man is the champion and patron saint of modern day investing.... someone in the Academy or with a connection to the Academy has to consider him... I just hope there is time this year.
by gvsucavie03
Wed Jan 29, 2014 9:43 pm
 
Forum: Investing - Theory, News & General
Topic: JOHN BOGLE'S NOMINATION FOR PRESIDENTIAL MEDAL OF FREEDOM
Replies: 43
Views: 4426

Re: Brand new at 26, so many questions.

I'd put your first $5,500 into a Roth IRA in a Target Retirement or LifeStrategy fund. The rest can go into your 401(k). As for your 401(k): The SSgA Moderate is 55/45, and Aggressive is 85/15. Both are a simple balanced fund that are passively managed and track indexes. Problem is the .88% ER... Yo...
by gvsucavie03
Wed Jan 29, 2014 3:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Brand new at 26, so many questions.
Replies: 10
Views: 1454

Re: Roth IRA $11,000 Vanguard

Another possibility to consider is the Vanguard Balanced Index. $11,000 is enough to get you into Admiral shares (VBIAX) with an expense ratio of 0.10%. It doesn't get a lot of attention on this forum, but Mr. Bogle likes it. Agreed... but consider adding international at some point. "All-in-o...
by gvsucavie03
Wed Jan 29, 2014 3:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA $11,000 Vanguard
Replies: 14
Views: 1895

Re: Age in Bonds - Who Follows a Different Strategy?

I didn't do "age in bonds." I set our equity allocation by asking myself "how much money am I willing to lose if we get a 50% drop in the stock market?" That led me to a 30% stock allocation, leaving the 70% remainder in fixed income. The FI is in Stable Value and Treasuries, si...
by gvsucavie03
Wed Jan 29, 2014 10:44 am
 
Forum: Investing - Theory, News & General
Topic: Age in Bonds - Who Follows a Different Strategy?
Replies: 132
Views: 6591

Re: My annualized returns are better than yours. Why?

Easy on the "pick-up line" next time... and consider revising the title of this thread!
by gvsucavie03
Tue Jan 28, 2014 5:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: My annualized returns are WORSE than yours. Why?
Replies: 87
Views: 6355

Re: Age in Bonds - Who Follows a Different Strategy?

And Taylor, Mel and Michael made an exception on the "Age" rule in BH Guide to Investing.... since life expectancy has risen in the 30-40(+) years since Bogle wrote his first publications, it might be prudent to subtract some of your age as you go along. Not the exact wording, but still ma...
by gvsucavie03
Tue Jan 28, 2014 4:49 pm
 
Forum: Investing - Theory, News & General
Topic: Age in Bonds - Who Follows a Different Strategy?
Replies: 132
Views: 6591
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