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Re: Why do Engineers Think They’ll Be Good at Picking Stocks

Software engineer here. My rational mind and quest for the optimal investing solution is what led me to passive investing and the principles espoused by this website. As a rational person, stock-picking never made sense to me. So I question the assumption that engineers think they'll be good at pick...
by hoppy08520
Wed Oct 22, 2014 10:11 pm
 
Forum: Investing - Theory, News & General
Topic: Why do Engineers Think They’ll Be Good at Picking Stocks?
Replies: 103
Views: 5633

Re: "I've had it" at work - how often

I'm a software product manager and I get this feeling a couple of times a month. But then I also like my job a lot at other times. Sometimes I feel baffled that I can veer between extremes so frequently. I've been in software development and product management for 15+ years and I think I've always b...
by hoppy08520
Sat Oct 18, 2014 1:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: "I've had it" at work - how often
Replies: 151
Views: 12220

Re: Is semi-retirement a bad idea?

Everyone has a different objective function. My husband and I are in our 30's, and we are also fortunate to have enough assets that we really could retire if we wanted to, especially since we don't really care for a fancy lifestyle either. However, we honestly just love working. We both have big am...
by hoppy08520
Tue Oct 14, 2014 8:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is semi-retirement a bad idea?
Replies: 106
Views: 7108

Re: International Funds

I agree with the others. Vanguard Total International Stock Index Fund (VGTSX) should be your default choice. This fund is the international fund for Vanguard's target date and LifeStrategy funds. If it's good enough for those all-in-one funds then it should be good enough for most investors.
by hoppy08520
Mon Oct 13, 2014 11:46 am
 
Forum: Investing - Help with Personal Investments
Topic: International Funds
Replies: 6
Views: 891

Re: Spreadsheet for Rebalancing Bands

A forum member asked me about my own rebalancing spreadsheet. I made a generic version and put it on Google sheets for anyone who'd like to have a look: Rebalancing Bands template I also linked to it on the wiki. I hope someone might find it useful. There are other good spreadsheets on the wiki pag...
by hoppy08520
Mon Oct 13, 2014 11:24 am
 
Forum: Investing - Theory, News & General
Topic: Spreadsheet for Rebalancing Bands
Replies: 18
Views: 1844

Re: Regular Transfering to own IRA

You should still check with your company. I was able to do it for the matching funds only (and having 5+ years in the plan) @ 54 per the rules of our plan. Interesting, I knew about in service rollover for aftertax contributions but I didn't know you could also do this with employer match funds (if...
by hoppy08520
Sun Oct 12, 2014 6:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Regular Transfering to own IRA
Replies: 10
Views: 728

Re: Is semi-retirement a bad idea?

Similarly, 80K (especially in a low cost of living area) is a very high salary for many people. It's well above average household income. Having to "downgrade" to a mere 80K per year is apparently unimaginable to some people here. I haven't made much over 80K, am younger than the OP, and ...
by hoppy08520
Sun Oct 12, 2014 4:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is semi-retirement a bad idea?
Replies: 106
Views: 7108

Re: New 401k: S&P index fund is the cheapest - just buy it o

Yes this makes perfect sense. What you have is a very common scenario. There's a wiki article that discusses this: http://www.bogleheads.org/wiki/How_to_build_a_lazy_portfolio You might also want to supplement the 500 Index fund in your 401(k) with an extended market index fund in your IRA to replic...
by hoppy08520
Sat Oct 11, 2014 8:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: New 401k: S&P index fund is the cheapest - just buy it only?
Replies: 5
Views: 721

Re: Regular Transfering to own IRA

Carole, this is called an in-service rollover and per IRS rules you can't do this before age 59.5. if this were allowed then everyone would do it, including me.

One exception to this is after-tax contributions, if your plan allows them.
by hoppy08520
Sat Oct 11, 2014 8:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Regular Transfering to own IRA
Replies: 10
Views: 728

Re: Help with Desired Asset Allocation

Welcome to Bogleheads. There's an elephant in the room with regard to your asset allocation and that's the fact that 70% of your assets in one stock. Read this current post on the perils on holding much of your net work in a single stock: When people put all their eggs in the wrong basket . Are you ...
by hoppy08520
Sat Oct 11, 2014 6:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Desired Asset Allocation
Replies: 4
Views: 361

Re: Is semi-retirement a bad idea?

That said, quitting your job and moving to a new area with the idea of being a consultant is not without its stresses, due to the fact that consulting can be very much a feast or famine world with a lot of uncertainty. I would definitely encourage you to line up a significant amount of consulting c...
by hoppy08520
Sat Oct 11, 2014 6:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is semi-retirement a bad idea?
Replies: 106
Views: 7108

Re: Spreadsheet for Rebalancing Bands

A forum member asked me about my own rebalancing spreadsheet. I made a generic version and put it on Google sheets for anyone who'd like to have a look: Rebalancing Bands template I also linked to it on the wiki. I hope someone might find it useful. There are other good spreadsheets on the wiki page...
by hoppy08520
Sat Oct 11, 2014 2:56 pm
 
Forum: Investing - Theory, News & General
Topic: Spreadsheet for Rebalancing Bands
Replies: 18
Views: 1844

Re: When people put all their eggs in the wrong basket

I really have mixed feelings on these investors. I'm not entirely hard-hearted. I do feel some sympathy for some of the people who are so ignorant on personal finance matters that they really just don't have a clue. But for the knowledgable folks who knew what they were doing, no sympathy -- if you ...
by hoppy08520
Sat Oct 11, 2014 11:23 am
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 216
Views: 21130

Re: Spreadsheet for Rebalancing Bands

You don't need automated emails. In less time than it would take to program that you could take a peak around twice a year. But that would be....boring. Wouldn't it be better to spend many hours creating an ingenious way to send automatic emails? I'm half-joking, I hope you realize. :) A lot of peo...
by hoppy08520
Sat Oct 11, 2014 10:56 am
 
Forum: Investing - Theory, News & General
Topic: Spreadsheet for Rebalancing Bands
Replies: 18
Views: 1844

Re: Advice On Adusting Portfolio Towards Desired AA

Here's one possibility. This assumes you sell your individual stocks in favor of index funds. Taxable 11.50% - Total Stock Market 7% - Total International Stock Market 1.5% I Bonds Her Traditional IRA 17% Total US Stock Market Index Fund 7% Total International Stock Market Index Fund 2% Total Bond F...
by hoppy08520
Sat Oct 11, 2014 10:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice On Adusting Portfolio Towards Desired AA
Replies: 7
Views: 515

Re: Advice On Adusting Portfolio Towards Desired AA

Hello, I have two questions for you. Desired International allocation: 20% of stocks including 10% emerging market 1. Do you mean that you want half of your international in allocation in emerging markets (i.e. 10% of your portfolio)? Or do you mean that you want 10% of your international allocation...
by hoppy08520
Sat Oct 11, 2014 10:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice On Adusting Portfolio Towards Desired AA
Replies: 7
Views: 515

Re: Spreadsheet for Rebalancing Bands

Subham, as an occasional programmer and spreadsheet junkie, I admire your ambition. If you can get your spreadsheet to do all that, the congratulations. As for me, in my Google spreadsheet, I have a sheet for rebalancing. It does what I need to do, but it doesn't tell me how to DCA. I do make regula...
by hoppy08520
Sat Oct 11, 2014 9:49 am
 
Forum: Investing - Theory, News & General
Topic: Spreadsheet for Rebalancing Bands
Replies: 18
Views: 1844

Re: Inserting a Shortened Form of a Hyperlink(URL)

These add-ons are very useful for any type of web page. I use Make Link :: Add-ons for Firefox . :beer Wow, thank you, life just got better after installing that extension. In the back of my mind I thought someone had to have invented such a tool but I was too lazy or ignorant to seek it out. Thank...
by hoppy08520
Mon Oct 06, 2014 9:19 am
 
Forum: Forum Issues and Administration
Topic: Inserting a Shortened Form of a Hyperlink(URL)
Replies: 15
Views: 815

Re: TSP Beneficiary Account and Tax Burden to Successors

Alan, great information, as always! Thank you. I tried searching for this and came up short, it's so obscure and the search terms are so generic that you can't find what you're looking for.

FYI, there's now a wiki page on this topic: TSP Estate Planning.
by hoppy08520
Sat Oct 04, 2014 8:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: TSP Beneficiary Account and Tax Burden to Successors
Replies: 10
Views: 866

Re: TSP [CNN Money: Fed Workers... low cost retirement plans

FYI, there's another thread going on that is discussing the estate planning of successor beneficiaries of direct beneficiaries of a TSP account: TSP Beneficiary Account and Tax Burden to Successors First, lets make sure we get the terms right: Eligible ERISA employer retirement plans : plans like 40...
by hoppy08520
Sat Oct 04, 2014 8:43 pm
 
Forum: Investing - Theory, News & General
Topic: TSP [CNN Money: Fed Workers... low cost retirement plans]
Replies: 25
Views: 2379

Re: TSP Beneficiary Account and Tax Burden to Successors

Interesting thread, thank you. I'm curious about one aspect of this, specifically the worst part about this rule which is that beneficiaries of beneficiary participants must take a taxable distribution and cannot put their death benefit into an inherited IRA. My question is this: Do 401(k)/403(b) ER...
by hoppy08520
Sat Oct 04, 2014 11:00 am
 
Forum: Personal Finance (Not Investing)
Topic: TSP Beneficiary Account and Tax Burden to Successors
Replies: 10
Views: 866

Re: Rollover old 401k into tIRA, should I have rolled into T

Welcome to bogleheads. You can still roll the IRA into the TSP, and there's a case to be made for doing so. But there's also a case for leaving it in an IRA. The answer might depend on your desired asset allocation...which is?
by hoppy08520
Tue Sep 30, 2014 9:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rollover old 401k into tIRA, should I have rolled into TSP?
Replies: 4
Views: 336

Re: Order of investing [Prioritizing Investments]

One other thought is to have your wife use a traditional IRA instead of a Roth IRA, unless your believe your profile calls for prioritizing Roth contributions. With the taxes you'd save by doing Traditional instead of Roth -- around $2,300 at a 30% marginal tax rate -- you could put that into maxin...
by hoppy08520
Sun Sep 28, 2014 9:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Order of investing [Prioritizing Investments]
Replies: 11
Views: 1113

Re: Order of investing [Prioritizing Investments]

One other thought is to have your wife use a traditional IRA instead of a Roth IRA, unless your believe your profile calls for prioritizing Roth contributions. With the taxes you'd save by doing Traditional instead of Roth -- around $2,300 at a 30% marginal tax rate -- you could put that into maxing...
by hoppy08520
Sun Sep 28, 2014 8:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Order of investing [Prioritizing Investments]
Replies: 11
Views: 1113

Re: Is it worth higher expense ratios to value tilt?

I have a 401a with some not so great options. I am in a total stock index with an expense ratio of 0.65% (DSKIX). There is a small-cap value fund with an expense ratio of 1.51% (DVSVX). This expense ratio is contractual, and higher than the expense currently listed on the fund family website, so it...
by hoppy08520
Sat Sep 27, 2014 4:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is it worth higher expense ratios to value tilt?
Replies: 6
Views: 579

Re: Tiny house movement.

I love the idea, but that's a tight fit. My wife and I are raising three children in a 1940s Cape Cod house that has 1,150 square feet of "finished" space plus a basement with a semi-finished 400 square foot rec room and another ~200 square feet utility room (with washer/dryer, furnace, ho...
by hoppy08520
Mon Sep 15, 2014 12:17 pm
 
Forum: Personal Consumer Issues
Topic: [can my family live in a] Tiny house
Replies: 60
Views: 4205

Re: Reconstructing Vanguard's International Fund in 401k

Regarding the tax efficiency of TSM vs TISM, based on what I've read in past posts on this topics, it's very close and it also depends on the particular taxpayer. At lower tax brackets, TISM might be preferable in taxable, but at higher tax brackets like the OP's father, then TISM might have a sligh...
by hoppy08520
Sun Sep 14, 2014 9:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Reconstructing Vanguard's International Fund in 401k
Replies: 12
Views: 823

Re: Estate Planning & investing

One tip: make sure you have the beneficiary forms for your life insurance policy(ies) and retirement accounts (401(k)s, IRAs, etc.) done right, both primary and contingent. People focus a lot on wills, but overlook these accounts. Life insurance and retirement accounts typically bypass your will and...
by hoppy08520
Sat Sep 13, 2014 5:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Estate Planning & investing
Replies: 10
Views: 1061

Re: FSIVX or FSGDX be similar to VGTSX

I think you got the answers, but you can also look at the Fidelity wiki page which compares the international funds of Fidelity and Vanguard.
by hoppy08520
Sat Sep 13, 2014 11:14 am
 
Forum: Investing - Theory, News & General
Topic: FSIVX or FSGDX be similar to VGTSX
Replies: 7
Views: 657

Re: Reconstructing Vanguard's International Fund in 401k

I would consider flipping the allocations around so you don't have to worry about synthesizing Vanguard Total International Stock Market Index Fund (TISM). In the taxable account (31% of total portfolio), simply hold the entire TISM allocation there, along with Total Stock Market (TSM) and/or Total ...
by hoppy08520
Sat Sep 13, 2014 10:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Reconstructing Vanguard's International Fund in 401k
Replies: 12
Views: 823

Re: Anyone use Legal Zoom for LivingTrust?

We generally provide for children in trust rather than outright, to keep the children's inheritances out of their estates, and to protect against their creditors and spouses. So control adult children from beyond the grave? No, the idea is to keep the assets in trust but at some point make the adul...
by hoppy08520
Thu Sep 11, 2014 7:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone use Legal Zoom for LivingTrust?
Replies: 75
Views: 5097

Re: 2015 Contribution Limits For 403(b)/401(k) Accounts

In a recent blog, The Finance Buff predicted based on current CPI data that the 401(k) limit will go up by $500, but IRA limits will not change. Start saving your spare change now.

http://thefinancebuff.com/2015-401k-403 ... imits.html
by hoppy08520
Thu Sep 11, 2014 4:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2015 Contribution Limits For 403(b)/401(k) Accounts
Replies: 2
Views: 718

Re: What do you measure your AA against?

You can find a Retirement Fund (changes over time) or a Lifestyle Fund (does not change over time) that has a similar AA to what your AA is and compare it to that. This is what I do. I look at TR2030, as it has the closest AA to mine. Comparing a portfolio to the S&P500 is useless. Chip I do th...
by hoppy08520
Sun Sep 07, 2014 8:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: What do you measure your AA against?
Replies: 20
Views: 1141

Re: Opinions on Social Index Fund (VFTSX)?

FYI, there have been a number of posts her in SRI and a wiki page. I encourage you to search SRI to read more.
by hoppy08520
Sat Sep 06, 2014 9:43 pm
 
Forum: Investing - Theory, News & General
Topic: Opinions on Social Index Fund (VFTSX)?
Replies: 19
Views: 1598

Re: Question on Buffet's recent investment advice

Suggestion: give the names of the funds and not just tickers. Very few of us have all the tickers memorized.
by hoppy08520
Sat Sep 06, 2014 4:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question on Buffet's recent investment advice
Replies: 8
Views: 1750

Re: Vanguard National Trust Company?

This is a surprising result. It seems very odd to me that Vanguard would go to the trouble of setting up a Trust Company but not have that company be eligible to accept testamentary trusts. Have others had the same experience with VNTC? If so, what is the precise reason why VNTC cannot accept testa...
by hoppy08520
Fri Sep 05, 2014 5:03 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard National Trust Company?
Replies: 91
Views: 19063

Re: Vanguard National Trust Company?

deleted...
by hoppy08520
Fri Sep 05, 2014 9:47 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard National Trust Company?
Replies: 91
Views: 19063

Re: Offered Promotion, but longer commute

It is 90 miles roundtrip on freeways against traffic. As a fellow resident in the Washington DC region, may I suggest that there are no routes here that go "against traffic". Even if it really were a "reverse commute", I vote down. 90 miles a day in a car commute is slow suicide...
by hoppy08520
Thu Sep 04, 2014 10:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Offered Promotion, but longer commute
Replies: 37
Views: 3064

Re: Moving from money manager to self directed

Welcome to Bogleheads. How to wind down a position of individual stocks (or funds) into a Boglehead portfolio of passive index funds is a common question. For stocks, unless you have a large portion of your portfolio in a small number of stocks, then there usually isn't an emergency. You mention the...
by hoppy08520
Thu Sep 04, 2014 2:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving from money manager to self directed
Replies: 8
Views: 528

Re: Should I ? TSP => Fidelity PAS

Here's another good one. A lot of good, red meat in here for the true Boglehead believers: The investment industry is doing and saying anything it can to get at your TSP account, and it’s not your benefit it has in mind. I urge you to resist the temptation to believe there is some better solution to...
by hoppy08520
Wed Sep 03, 2014 6:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I ? TSP => Fidelity PAS
Replies: 11
Views: 556

Re: Should I ? TSP => Fidelity PAS

jrsmooth, I recommend reading the following: Over 20 years, any professional manager will win some years and lose some. In the end, the wins and losses will tend to even out, and a good manager’s performance will likely wind up matching the market’s average, before costs and fees. After costs and fe...
by hoppy08520
Wed Sep 03, 2014 6:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I ? TSP => Fidelity PAS
Replies: 11
Views: 556

Re: HSA pre-tax contribution rules

You still have four months to get approximately 1/3 of your max contribution by payroll deduction. Why wouldn't you do that rather than all as a separate contribution? It is as simple as form 8889 and line 25 on form 1040. I must be missing something in the logistics of this, but from a tax standpo...
by hoppy08520
Tue Sep 02, 2014 5:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA pre-tax contribution rules
Replies: 19
Views: 1389

Re: What to do with 401K portfolio moving from TSP Gov

Why do you want to leave the tsp? Do you have other investments? At a 4% safe withdrawal rate, that's $10K per year, so you should be ok. I just wouldn't be so quick to leave the tsp.
by hoppy08520
Sat Aug 30, 2014 11:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with 401K portfolio moving from TSP Gov
Replies: 18
Views: 1291

Re: HSA pre-tax contribution rules

I see. I recommend talking to HR/payroll. Hopefully they can make this happen. I think this is probably more of an internal HR issue and not necessarily a HSA issue. If HR says they can't do it, then you can still make a contribution and deduct it from your taxable income. Only drawback to doing so ...
by hoppy08520
Sat Aug 30, 2014 10:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA pre-tax contribution rules
Replies: 19
Views: 1389

Re: HSA pre-tax contribution rules

The IRS doesn't care and I doubt most custodians care, but your HR/payroll system might not offer that option. Most regular employees will probably want regular even contributions so the systems don't offer other options. I recommend talking to your HR. There might be a way to do this. But they'll p...
by hoppy08520
Sat Aug 30, 2014 9:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA pre-tax contribution rules
Replies: 19
Views: 1389

Re: Autopilot Investments Broken and I am Confused

autopilotcrashing, welcome to Bogleheads. I like your username. Hopefully with a little knowledge you can start flying in the right direction. Before any recommendations, a few questions first. 1. Are you comfortable being 88% stock, 12% bonds, at age 43? Many here would call that a bit aggressive a...
by hoppy08520
Sat Aug 30, 2014 5:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Autopilot Investments Broken and I am Confused
Replies: 13
Views: 1518

Re: Please Advice This Portfolio

minhnusa, to answer your first question, it's quite common for a couple to amass a number of different retirement accounts over the years, some of which you might not be able to (or want to) contribute to at a particular time. Generally, to keep your overall AA in balance, it often works best if you...
by hoppy08520
Sat Aug 30, 2014 4:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please Advice This Portfolio
Replies: 2
Views: 455

Re: The Power of Zero: Controversial New Book About Taxes

Joe, regarding your own scenario, you look like the perfect candidate for traditional 401(k) contributions, not Roth. If you retire early at age 52, you'll have 18 (!) years before Social Security (assuming you start at age 70) and RMD during which you can do Roth conversions at no/low taxes due to ...
by hoppy08520
Fri Aug 29, 2014 10:12 pm
 
Forum: Investing - Theory, News & General
Topic: The Power of Zero: [Book and tax planning for retirement]
Replies: 52
Views: 5489

Re: My husband's " WILL", $ left for me to live on....

I'll just add that it appears that the OP's husband has been spending joint (marital) income over the last decade to pay down mortgages on properties with his name only on the deed, thus making the OP essentially partial owner of those properties. So I don't see how the husband can include jointly ...
by hoppy08520
Fri Aug 29, 2014 8:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 258
Views: 17865
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