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Re: Principles for Changing Asset Allocation & Splicing

And why would it be more OK to add TIPS to my IPS instead of REITS or SV or all of the above :) Just because one is mentioned in BH guide as ok, but not the others? I hear what you're saying. If I read and learn that TIPS are an entirely different core asset class - offering inflation protection, t...
by gvsucavie03
Wed Jul 30, 2014 5:42 pm
 
Forum: Investing - Theory, News & General
Topic: Principles for Changing Asset Allocation & Splicing
Replies: 10
Views: 673

Re: Principles for Changing Asset Allocation & Splicing

I agree that erratic asset allocation and changing back and forth are far worse in the long term than sticking with an allocation that might not be “ideal” (even though that won’t be known till much later). I have wondered though when adjusting your allocation might be warranted or appropriate vers...
by gvsucavie03
Wed Jul 30, 2014 4:18 pm
 
Forum: Investing - Theory, News & General
Topic: Principles for Changing Asset Allocation & Splicing
Replies: 10
Views: 673

Re: Can this be done? Does it make sense?

You can only file an ammendment for something like mathematical errors or for forgetting a credit. You cannot withdraw more than the IRS limits for a year.
by gvsucavie03
Mon Jul 28, 2014 6:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can this be done? Does it make sense?
Replies: 4
Views: 848

Re: Help with preretirement investment Allocations

Please visit this page to see how to post an investment question.

viewtopic.php?f=1&t=6212
by gvsucavie03
Mon Jul 28, 2014 6:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with preretirement investment Allocations
Replies: 6
Views: 641

Re: Principles for Changing Asset Allocation & Splicing

Although there is a lot of debate on whether or not to splice or slice up a portfolio, the overriding agreement on this forum is that we do not make decisions based on what the market does. A change of personal circumstances could certainly allow for a change of asset allocation but that would invol...
by gvsucavie03
Mon Jul 28, 2014 6:00 pm
 
Forum: Investing - Theory, News & General
Topic: Principles for Changing Asset Allocation & Splicing
Replies: 10
Views: 673

Re: 401K Target Retirement Fund or Not

You can't beat the TR Er's... I'd be happy there.
by gvsucavie03
Mon Jul 28, 2014 3:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K Target Retirement Fund or Not
Replies: 19
Views: 1021

Re: 401(k)s and Total Market Index Funds

It is gratifying to learn that 401k administrators are beginning to recognize the many benefits of Total Market Index Funds. Especially with other markets besides S&P 500, 400, 1000 or other US stock indexes. My dad's 401(k) only has a Schwab 1000 index fund, but does have a good line-up of TR ...
by gvsucavie03
Thu Jul 24, 2014 4:38 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 822
Views: 320383

Re: Portfolio Withdrawal 4% rate with Ceiling and Floor

All of these are merely suggestions, but no one knows the "best" withdrawal rate or method. Obviously the most risky choice is a fixed amount with an annual inflation increase. The least risky is a fixed rate (variable withdrawal amount based on portfolio value). I think your floor is what...
by gvsucavie03
Mon Jul 21, 2014 9:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Withdrawal 4% rate with Ceiling and Floor
Replies: 8
Views: 993

Re: What is reasonable for 403b fees?

livesoft wrote:Start by reading the bogleheads wiki on how to go about this for 401(k) plans. Then take the responsible person at the non-profit to lunch.


Got it!
by gvsucavie03
Sun Jul 20, 2014 6:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: What is reasonable for 403b fees?
Replies: 21
Views: 1081

Re: What is reasonable for 403b fees?

livesoft wrote:If the non-profit you work for is very small, that means you know everybody there on a first name basis. Time to get the 403(b) provider changed.


How does one go about doing this?
by gvsucavie03
Sun Jul 20, 2014 6:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: What is reasonable for 403b fees?
Replies: 21
Views: 1081

Re: Ways to lose money and destroy personal wealth by invest

Assume the current bull market will continue forever.
by gvsucavie03
Sun Jul 20, 2014 5:14 pm
 
Forum: Investing - Theory, News & General
Topic: Ways to lose money and destroy personal wealth by investing
Replies: 81
Views: 9256

NY Times Article - a case for index investing

Interesting article! “It is very difficult for active fund managers to consistently outperform their peers and remain in the top quartile of performance over long periods of time,” he said. “There is no evidence that a fund that outperforms in one period, or even over several consecutive periods, ha...
by gvsucavie03
Sun Jul 20, 2014 9:39 am
 
Forum: Investing - Theory, News & General
Topic: NY Times Article - a case for index investing
Replies: 23
Views: 2932

Re: Removing a beehive from mailbox newspaper holder

We had small nest on our house once, but a few days after discovering it, we located the mothership... a HUGE nest in a nearby tree. It looked like some mutated science-fiction movie prop... I bet it was 3 feet tall! I've never seen anything like it before. Maybe take a look around to see if there i...
by gvsucavie03
Sun Jul 20, 2014 9:11 am
 
Forum: Personal Consumer Issues
Topic: Removing a beehive from mailbox newspaper holder
Replies: 34
Views: 3487

Re: HSA woes, former employer keeps contributing

But won't they want this money back at some point?
by gvsucavie03
Sat Jul 19, 2014 8:12 am
 
Forum: Personal Finance (Not Investing)
Topic: HSA woes, former employer keeps contributing
Replies: 11
Views: 1268

Re: Boglehead Beer

Founder's Centennial IPA tonight... Delicious. :beer
by gvsucavie03
Fri Jul 18, 2014 8:26 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 386
Views: 47322

Re: "A Portfolio Checkup in 6 Steps"

Here's the BH 3-fund portfolio checkup:

1. look at current holdings
2. look at desired AA
3. rebalance (if needed) with tax efficiency and costs in consideration
4. don't check again for 6 months
5. read a book

:happy
by gvsucavie03
Fri Jul 18, 2014 2:28 pm
 
Forum: Investing - Theory, News & General
Topic: "A Portfolio Checkup in 6 Steps"
Replies: 4
Views: 844

Re: Cash out pension?

What were the odds of that happening ANYWHERE just a few years ago? 8 in 4 years. Detroit made all of the headlines b/c it was $18.5B. Odds seem pretty low. Almost as low as a complete implosion on Wall Street. "Obviously, Ohio’s pension systems are not yet in a position where they risk careen...
by gvsucavie03
Fri Jul 18, 2014 1:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Cash out pension?
Replies: 30
Views: 1655

Re: Cash out pension?

BigPrince wrote:What were the odds of that happening ANYWHERE just a few years ago?


8 in 4 years. Detroit made all of the headlines b/c it was $18.5B.

Odds seem pretty low. Almost as low as a complete implosion on Wall Street.
by gvsucavie03
Fri Jul 18, 2014 1:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Cash out pension?
Replies: 30
Views: 1655

Re: Cash out pension?

It's gov't., she'll get whatever she has vested/promised. You can't beat a guarantee, and you can't guarantee anything with real returns in the open market. I'd keep it where it is and let it erode over time. At least it'll be there. Tell that to the Detroit City Police, Firefighters and government...
by gvsucavie03
Fri Jul 18, 2014 12:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Cash out pension?
Replies: 30
Views: 1655

Re: Cash out pension?

It's gov't., she'll get whatever she has vested/promised. You can't beat a guarantee, and you can't guarantee anything with real returns in the open market. I'd keep it where it is and let it erode over time. At least it'll be there.
by gvsucavie03
Fri Jul 18, 2014 12:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Cash out pension?
Replies: 30
Views: 1655

Re: Does this loan repayment schedule make sense?

Seems way over-analyzed... just pay it off aggressively (or what you can).
by gvsucavie03
Fri Jul 18, 2014 12:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does this loan repayment schedule make sense?
Replies: 9
Views: 457

Re: HSA woes, former employer keeps contributing

Definitely wouldn't touch the funds. A similar scenario is if your employer significantly overpaid you by mistake (beyond contractual pay/bonuses).
by gvsucavie03
Fri Jul 18, 2014 12:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA woes, former employer keeps contributing
Replies: 11
Views: 1268

Re: Time to rebalance IRA's?

Please post investment question using the forum guidelines. We do not know your risk tolerance (sounds low if you are scared of a market correction, and you need more allocated to bonds). No one knows when a correction is coming, which is why we use proper asset allocation and stick to the plan no m...
by gvsucavie03
Thu Jul 17, 2014 3:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Risky asset allocation?
Replies: 12
Views: 456

Re: HSA Investment

Watch that you leave a minimum balance at your custodial HSA company otherwise you could get charged for the fund transfer...

Another one to consider is HSA Bank. It is very similar to ELFCU in that they offer the TD Ameritrade account, but there are some other expenses.
by gvsucavie03
Thu Jul 17, 2014 2:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA Investment
Replies: 2
Views: 266

Re: HSA Investment

ELFCU is $36 per year unless you leave the account minimum in checking. Sounds like you could leave the min. and invest the rest.

They offer a TD Ameritrade account, so you could purchase Vanguard commission-free etfs.

This is cheaper than health administrators
by gvsucavie03
Thu Jul 17, 2014 2:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA Investment
Replies: 2
Views: 266

Re: Thoughts on 100% stock allocation for 33 year old

I'm getting confused. When I said 100% stock allocation, I meant, 100% stock allocation in my retirement accounts. If I had $110,000 fully invested in stocks in my retirement accounts, and $80,000 in cash sitting in a savings account, would that change the analysis? Especially since I'm pretty secu...
by gvsucavie03
Tue Jul 15, 2014 9:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Thoughts on 100% stock allocation for 33 year old
Replies: 85
Views: 6208

Re: Thoughts on 100% stock allocation for 33 year old

Recency bias coupled with obliviousness (and a low portfolio balance) in the last market downturn. This to me is unwise. I am 33. Go age-15 or even -20, but always something in FI. There is something to be said about the efficiency frontier as it relates to stocks and bonds. Slightly lower return, c...
by gvsucavie03
Mon Jul 14, 2014 9:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thoughts on 100% stock allocation for 33 year old
Replies: 85
Views: 6208

Re: Vanguard Target Retirement 2055 Fund Investor Shares

livesoft wrote:
gvsucavie03 wrote:Did I miss something?

Yes, you missed that one can have Vanguard Brokerage Services account in their IRA.


Yep... Definitely missed that one :oops:
by gvsucavie03
Fri Jul 11, 2014 1:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Retirement 2055 Fund Investor Shares
Replies: 14
Views: 1445

Re: Vanguard Target Retirement 2055 Fund Investor Shares

Funny. I have purchased ETFs in a Vanguard IRA without problems. Did they change the rules? https://personal.vanguard.com/us/funds/etf How do you buy them? You can only buy and sell ETFs through a brokerage account. Setting up a Vanguard Brokerage Account is free, and you'll pay no commissions—ever...
by gvsucavie03
Fri Jul 11, 2014 1:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Retirement 2055 Fund Investor Shares
Replies: 14
Views: 1445

Re: Vanguard Target Retirement 2055 Fund Investor Shares

Keep in mind that etfs can be purchased in a Vanguard IRA, and something like TD Ameritrade is good (and commission-free!).
by gvsucavie03
Fri Jul 11, 2014 1:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Retirement 2055 Fund Investor Shares
Replies: 14
Views: 1445

Re: Car insurance... do you include car rental?

No. I keep that money in my own pocket and self-insure with emergency funds.
by gvsucavie03
Fri Jul 11, 2014 1:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car insurance... do you include car rental?
Replies: 33
Views: 2133

Re: investing savings for future downpayment

Thanks so much for your advice (and for help with the tax calculation, which makes me feel silly to not have figured out on my own). I thought it was based on the tax table calculations divided by taxable income until someone else on this forum set me straight. You learn a LOT reading the wiki and ...
by gvsucavie03
Thu Jul 10, 2014 5:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: investing savings for future downpayment
Replies: 12
Views: 907

Re: Requesting Portfolio Review

With the return on bonds so low, mortgage payments are a good proxy for bond holdings. You must recognize that the property is not as liquid, however. So it might be possible to lower your bond allocation somewhat in favor of paying down your mortgage a bit. I'm not sure this would work to your adv...
by gvsucavie03
Thu Jul 10, 2014 1:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Requesting Portfolio Review
Replies: 12
Views: 1455

Re: Portfolio Review

I'd pay the debt first. That's what my wife and I are doing. It's not that large in your case.
by gvsucavie03
Thu Jul 10, 2014 12:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 4
Views: 630

Re: investing savings for future downpayment

If you don't plan to invest the money for longer than 5 years, I wouldn't use stock or bond funds. Keep your down payment savings right where it is. Your allocation in the 401(k) and IRA are whatever lines up with your own personal risk tolerance, timeline, income, etc. That's a very personal decisi...
by gvsucavie03
Thu Jul 10, 2014 12:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: investing savings for future downpayment
Replies: 12
Views: 907

Re: Traditional or Roth IRA

taxcaster: https://turbotax.intuit.com/tax-tools/calculators/taxcaster/ Neat! That makes running all of the different scenarios much easier (it also assumes a lot, but it's all we have unless we had a crystal ball!). My SSI as of today would not be fully taxable and I didn't account for a larger st...
by gvsucavie03
Thu Jul 10, 2014 8:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Traditional or Roth IRA
Replies: 36
Views: 2505

Re: Traditional or Roth IRA

I don't mean to sound stupid, but when looking at tax brackets to figure non-inflation adjusted retirement income, do I add standard deduction and personal exemptions to see what income I'd need to stay within a bracket? For example, for 2013, the 15% bracket tops out at $72,500. If I add a $12,200 ...
by gvsucavie03
Wed Jul 09, 2014 10:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Traditional or Roth IRA
Replies: 36
Views: 2505

Re: Requesting Portfolio Review

I suggest you take that rollover and move it to Vanguard and change the investments to a single fund: Vanguard LifeStrategy Conservative Growth. There will no "managing" of the portfolio. You will have to do nothing except spend the money. It really is that easy. +1 - absolutely agree.
by gvsucavie03
Wed Jul 09, 2014 9:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Requesting Portfolio Review
Replies: 12
Views: 1455

Re: Requesting Portfolio Review

You landed in a great community... welcome! You didn't mention in your post, but please read what you can in the wiki and also pick up a copy of "The Bogleheads' Guide to Investing." These two things will ease your apprehension about managing your own portfolio. First, your emergency fund ...
by gvsucavie03
Wed Jul 09, 2014 9:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Requesting Portfolio Review
Replies: 12
Views: 1455

Re: Traditional or Roth IRA

She's also 4 years younger than me and the two IRAs will have different withdrawal rates (about 1% or so).
by gvsucavie03
Tue Jul 08, 2014 10:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Traditional or Roth IRA
Replies: 36
Views: 2505

Re: Traditional or Roth IRA

One big caveat that cannot be ignored is RMD on the TIRA... those are some hefty withdrawals, especially after it exceeds a 4% WR. I understand that I could reinvest the money I don't use for income and taxes, but that seems like a lot of hassle and damage to a portfolio. I also won't have earned i...
by gvsucavie03
Tue Jul 08, 2014 8:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Traditional or Roth IRA
Replies: 36
Views: 2505

Re: Traditional or Roth IRA

One big caveat that cannot be ignored is RMD on the TIRA... those are some hefty withdrawals, especially after it exceeds a 4% WR. I understand that I could reinvest the money I don't use for income and taxes, but that seems like a lot of hassle and damage to a portfolio. I also won't have earned in...
by gvsucavie03
Mon Jul 07, 2014 8:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Traditional or Roth IRA
Replies: 36
Views: 2505

Re: Traditional or Roth IRA

The $1,250 you are talking about - where is this number coming from? Also, where do you arrive at 21.5% on Roth IRA contributions? I think the $1250 was an arbitrary number used to calculate the total tax difference between contributing to a Roth vs Traditional IRA when considering the saver's cred...
by gvsucavie03
Mon Jul 07, 2014 7:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Traditional or Roth IRA
Replies: 36
Views: 2505

Re: Traditional or Roth IRA

And remember that the tax brackets, standard deduction, and personal exemption amounts are inflation-adjusted, so they go up a little every year. Got it. So her income is what ultimately will move us up. A TIRA for both me and my wife moves us down to the top of the 10% bracket. Another reason to g...
by gvsucavie03
Sun Jul 06, 2014 8:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Traditional or Roth IRA
Replies: 36
Views: 2505

Re: Traditional or Roth IRA

That's ok. What does line 43 say? I'd guess around $23,000. Ok, I'm with you now... sorry that took a while. Line 43 is $28,000. So we have about $45,000 of taxable income left in the 15% bracket... after exemptions and deductions are taken out. No, we won't move above this for quite a while.
by gvsucavie03
Sun Jul 06, 2014 7:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Traditional or Roth IRA
Replies: 36
Views: 2505

Re: Traditional or Roth IRA

Bob's not my name wrote:Sure, but try finishing that sentence. What comes after $73,800? Why do you have $50,000 of headroom in the 15% bracket?

Hint: look at line 43 on your 1040.


Sorry, not really following.
by gvsucavie03
Sun Jul 06, 2014 7:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Traditional or Roth IRA
Replies: 36
Views: 2505

Re: Traditional or Roth IRA

Bob's not my name wrote:So you'll jump from $55,000 to $85,000 gross income? Above, you said you "expect to be around $60,000 once debt is paid off and we have a house".


15% bracket stops around $73,000....
by gvsucavie03
Sun Jul 06, 2014 7:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Traditional or Roth IRA
Replies: 36
Views: 2505

Re: Traditional or Roth IRA

Bob's not my name wrote:Only if she makes substantially more than you. You have $50,000 of headroom in the 15% bracket.


Actually, next year we'll have only about 18-20K headroom left in the 15% bracket...
by gvsucavie03
Sat Jul 05, 2014 9:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Traditional or Roth IRA
Replies: 36
Views: 2505

Re: Traditional or Roth IRA

So the real downside of TIRA is that withdrawals for college expense (if any) will alter financial aid because of the income it creates. If my wife starts to work (she plans to), we'll probably move up to the 25% bracket and likely drop back to 15 at retirement. With a lower retirement bracket, that...
by gvsucavie03
Sat Jul 05, 2014 9:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Traditional or Roth IRA
Replies: 36
Views: 2505
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