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Re: TSP ==> Vanguard or not

See this page for some good reading on why you should keep the TSP: TSP withdrawals - Bogleheads . Even if you decide you want to withdraw it to an IRA -- which I recommend against because you get only one lifetime partial withdrawal so use it wisely -- I would still leave behind $1,000 or so in the...
by hoppy08520
Fri Apr 24, 2015 4:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: TSP ==> Vanguard or not
Replies: 11
Views: 744

Re: International Allocation in a 401k

You do bring up a good point. Many people starting out think that this investing thing is and should be very precise. The fact is that there is nothing precise about it and nothing you can do will make it so. The market changes daily, by the second in fact. Trying to be precise is a bit like herdin...
by hoppy08520
Fri Apr 24, 2015 7:46 am
 
Forum: Investing - Help with Personal Investments
Topic: International Allocation in a 401k
Replies: 37
Views: 1637

Re: Should I lower my 401k Contribution?

Hi, I was a victim, er, participant, of a JH 401(k) plan as well. Unlike your particular plan, our plan had a JH total stock market index fund - JETSX, in addition to a 500-index fund, a mid-cap index fund and a small-cap index fund, all from JH. All had the same ER. I used the TSM fund. You might w...
by hoppy08520
Thu Apr 23, 2015 5:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I lower my 401k Contribution?
Replies: 9
Views: 1472

Re: International Allocation in a 401k

In case you haven't seen this: Approximating total international stock market - Bogleheads wiki . Per this page, you can come very close to approximating TISM with this: 62% Vanguard Developed Markets Index Fund (VDMIX) (0.20%) 20% iShares MSCI Emerging Markets ETF (EEM) (0.69%) 11% Vanguard FTSE Al...
by hoppy08520
Thu Apr 23, 2015 8:57 am
 
Forum: Investing - Help with Personal Investments
Topic: International Allocation in a 401k
Replies: 37
Views: 1637

Re: Any of you folks pay mortgage with credit card?

I looked into his, just to get points, but it seemed hard to pull off. Google this and you'll see that it's not easy to do.
by hoppy08520
Wed Apr 22, 2015 8:28 pm
 
Forum: Investing - Theory, News & General
Topic: Any of you folks pay mortgage with credit card?
Replies: 29
Views: 2356

Re: new job - how to decide on 401k rollover choice?

TylerDavis, don't assume the fund expense ratios are the only fees you pay -- many are paying more. Many 401(k) plans charge participants more than just the fund expense ratios. My 401(k) plan, for example, has Fidelity Spartan Index funds at the same retail expense ratio that an investor who buys t...
by hoppy08520
Wed Apr 22, 2015 8:21 am
 
Forum: Investing - Help with Personal Investments
Topic: new job - how to decide on 401k rollover choice?
Replies: 12
Views: 701

Mistakes, Regrets & Stupidity - collection of past threads

One of my favorite Boglehead forum topics is personal stories on our best and worst mistakes, decisions, advice, etc. Nothing brings out a Boglehead like sharing their biggest screw-up. It's funny how these threads keep sprouting up over and over, like mushrooms or daffodils...or insurance salesmen....
by hoppy08520
Tue Apr 21, 2015 8:57 am
 
Forum: Investing - Theory, News & General
Topic: Mistakes, Regrets & Stupidity - collection of past threads
Replies: 6
Views: 1315

Re: Single best piece of personal finance advice ever receiv

Twenty+ years ago, my office manger said to my 21-year-old self: "Make sure you sign up for the TSP and put it all in the C Fund since you're young." I did. [The TSP is the government version of a 401(k) and the C Fund is its S&P 500 index fund. Back then that was the only stock fund i...
by hoppy08520
Sun Apr 19, 2015 7:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Single best piece of personal finance advice ever received?
Replies: 90
Views: 6779

Re: [Poll] regarding Keeping that old 401k.

It's difficult to google any information on this because any kinds of search terms get interpreted as "I want to roll the 401k from my former job into my new job" instead of the more unusual case of wanting to roll over a 401(k) (or IRA) into a plan held at an employer where you're no long...
by hoppy08520
Sun Apr 19, 2015 4:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: [Poll] regarding Keeping that old 401k.
Replies: 5
Views: 440

Re: Keeping that old 401k.

This might be a good thread for a poll.
by hoppy08520
Sun Apr 19, 2015 3:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: [Poll] regarding Keeping that old 401k.
Replies: 5
Views: 440

Re: Newly Married and Need Investment Advice

All good advice above !!! The ONLY thing I can add is to separate your ROTH TSP and your Regular TSP accounts for simplicity. Contribute to your TSP, but Keep your ROTH Separate. Investigate the withdrawals of those funds. Use Vanguard as your ROTH IRA, but invest in your TSP Funds and keep them se...
by hoppy08520
Sun Apr 19, 2015 11:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Newly Married and Need Investment Advice
Replies: 19
Views: 1705

Re: How to analyze portfolio recommendations

Are you sure this salesman is actually a CFP? I thought the CFP requires that CFPs act as a fiduciary. Clearly this salesman is not. Glad you found this board.
by hoppy08520
Sat Apr 18, 2015 4:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to analyze portfolio recommendations
Replies: 13
Views: 688

Re: Newly Married and Need Investment Advice

Welcome to the forum. Everyone here will recommend the TSP. Also see the "Military finances" page in the Bogleheads wiki for more advice.

Also, you seem to be suggesting that you are saving for house and kids, but also try to target some savings for long term retirement.
by hoppy08520
Sat Apr 18, 2015 3:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newly Married and Need Investment Advice
Replies: 19
Views: 1705

Re: Portfolio & Allocation Qs, Taking Control, Leaving Advis

Hello and welcome to Bogleheads. A few thoughts: ⋅  One can contribute $18,000 annually to a 401(k) but you have you and wife down for $12,500 and $12,150. Why not the max? ⋅  Given that relatively small amount in wife's first 401(k), I would just roll that into her second 401(k)...
by hoppy08520
Sat Apr 18, 2015 2:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio & Allocation Qs, Taking Control, Leaving Advisors
Replies: 12
Views: 1064

Re: New Personal investment

Hello, welcome to Bogleheads. This is hard to answer with so little information. It's almost like someone asking what's a good career, or where's a good place to live, when you don't know that much about the person asking the question. I recommend reading this: https://www.bogleheads.org/wiki/Gettin...
by hoppy08520
Sat Apr 18, 2015 2:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Personal investment
Replies: 5
Views: 566

Re: Portfolio Help

Welcome to Bogleheads. 1. Where I currently have my Roth IRA, the expense ratios are outrageous now that I have looked into Vanguard. Does it make perfect sense to roll these funds over to Vanguard to take advantage of the significantly lower expense ratios? It is where I have parked my money since ...
by hoppy08520
Sat Apr 18, 2015 2:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help
Replies: 3
Views: 362

Re: Calculating expense ratio

(100,000 * 0.004) + (25000 * 0.0005) + (10000 * .0018) / 135000 = .0032 expense ratio? I know what you meant and you got the answer right, but I think you need brackets around the numerator to get it to work in a calculator: [ (100,000 * 0.004) + (25000 * 0.0005) + (10000 * .0018) ] / 135000 BTW th...
by hoppy08520
Sat Apr 18, 2015 11:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Calculating expense ratio
Replies: 6
Views: 446

Re: Confusion regarding Expense ratio

Don't assume the fund expense ratios are the only fees you pay -- many are paying more. Many 401(k) plans charge participants more than just the fund expense ratios. My 401(k) plan, for example, has Fidelity Spartan Index funds at the same retail expense ratio that an investor who buys these funds i...
by hoppy08520
Sat Apr 18, 2015 9:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Confusion regarding Expense ratio
Replies: 3
Views: 464

Re: Taking a 403b Distribution /damage done. Questions?

Hello and welcome to Bogleheads. I don't think there's really enough information in the question for anyone to answer.
by hoppy08520
Sat Apr 11, 2015 12:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taking a 403b Distribution /damage done. Questions?
Replies: 2
Views: 297

Re: Finishing grad school - need help with investments!

Hello and welcome to Bogleheads. From the looks of your portfolio, you've become a bit of a fund collector. Recommend paring down to core index funds. Most would recommend you not hold a LifeStrategy fund in taxable as it's more difficult to manage taxes. Instead hold TSM and TISM in taxable. Most w...
by hoppy08520
Sat Apr 11, 2015 12:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Finishing grad school - need help with investments!
Replies: 2
Views: 403

Re: 401k converting PIMCO Tot Return to Loomis Sayles - advi

It's a little awkward to keep track of your overall AA, but given the choices, I might consider doing this, using the Vanguard 2010 fund which is 63% bonds. Even better, if the plan has the Vanguard Target Retirement Income Fund (VTINX) fund, which is 70% bonds (of which some is total international ...
by hoppy08520
Sat Apr 11, 2015 10:35 am
 
Forum: Investing - Help with Personal Investments
Topic: 401k converting PIMCO Tot Return to Loomis Sayles - advice?
Replies: 13
Views: 1055

Re: 3 fund portfolio and early retirement

Generally, people recommend putting in your Roth accounts the asset classes with the highest expected returns, if practical and if all else is equal. That would suggest rejiggering things so that you have stock funds in the Roth IRAs, which would necessitate exchanging stock funds for bond funds in ...
by hoppy08520
Sat Apr 11, 2015 8:45 am
 
Forum: Investing - Help with Personal Investments
Topic: 3 fund portfolio and early retirement
Replies: 4
Views: 646

Re: Inherited IRA advice

Julyguy, wow, that last reply makes things a bit more complicated. I would say that now is the time to read and learn more. I'd start here: Getting started - Bogleheads wiki . Another page to look at is: Managing a windfall - Bogleheads wiki . Until you get things figured out and the estate is settl...
by hoppy08520
Sat Apr 11, 2015 8:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Inherited IRA advice
Replies: 12
Views: 1319

Re: 401k bond fund recommendation?

Here's a bit more on the BlackRock fund:

Bogleheads • View topic - Ticker Symbol for Black Rock US Debt T?

That fund is essentially the same as Vanguard's Total Bond Market Index Fund. Given those two choices, I'd go with the BlackRock fund.
by hoppy08520
Sat Apr 11, 2015 8:23 am
 
Forum: Investing - Help with Personal Investments
Topic: 401k bond fund recommendation?
Replies: 8
Views: 781

Re: Would you use your neighbor's son for yard service?

I hope you'll hire the kid. As others wrote, start small and go from there. I think they call this "temp-to-perm" in the business world. While we're all walking down memory lane, I will stroll with you. Back in the 1980's, as a teenager, I mowed the lawns for at least 5 or more neighbors, ...
by hoppy08520
Sat Apr 11, 2015 8:17 am
 
Forum: Personal Consumer Issues
Topic: Would you use your neighbor's son for yard service?
Replies: 33
Views: 2158

Re: Roth IRA Advice for College - Vanguard Fund Type

kazcaid wrote:I did not see the conservative option. All of them have a portion in stock or did I miss one?

If you're talking about this page:

The Vanguard 529 age-based options | Vanguard

then there's definitely a conservative option with 0% stocks.
by hoppy08520
Fri Apr 10, 2015 5:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA Advice for College - Vanguard Fund Type
Replies: 8
Views: 613

Re: Roth IRA Advice for College - Vanguard Fund Type

Those options are available if you are investing in a 529 plan but I will be using the Roth. Are there comparable funds outside the 529 plan? Should I use one of the Life Strategy funds or are their other options. kazcaid, you can replicate those options pretty closely with the LifeStrategy funds, ...
by hoppy08520
Fri Apr 10, 2015 3:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA Advice for College - Vanguard Fund Type
Replies: 8
Views: 613

Re: Inherited IRA advice

Julyguy, regarding asset allocation, before thinking about this fund or that fund, first think about what is the appropriate asset allocation (AA) for you. Once you have your AA down, then selecting the funds is easy. Looking through your posts, it seems you're working with the following holdings: $...
by hoppy08520
Fri Apr 10, 2015 2:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Inherited IRA advice
Replies: 12
Views: 1319

Re: Are there any taxable account (non 401k/IRA) I can utili

Do you know if your employer (or spouse's) offers the ability to do after-tax 401(k) contributions? What would be the advantage of an after tax 401k vs. a taxable account? Thank you for the post. Check out the linked article. You can roll your aftertax contributions into a Roth IRA. It's a way to e...
by hoppy08520
Fri Apr 10, 2015 1:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are there any taxable account (non 401k/IRA) I can utilize?
Replies: 11
Views: 754

Re: Roth IRA Advice for College - Vanguard Fund Type

I think Vanguard's guidance on this is as good as any: The Vanguard 529 age-based options | Vanguard For children of your age, Vanguard has 3 options: conservative, moderate or aggressive. The stock/bond splits for each of these, for that age, are: ⋅  Aggressive: 50/50 ⋅  Moderat...
by hoppy08520
Fri Apr 10, 2015 11:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA Advice for College - Vanguard Fund Type
Replies: 8
Views: 613

Re: Poll: 401k fees?

See this wiki page for suggestions on the tip-over point of when to invest in bad 401(k) vs a taxable account:

401(k) - Bogleheads
by hoppy08520
Fri Apr 10, 2015 9:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Poll: 401k fees?
Replies: 6
Views: 640

Re: Transferring From Taxable to Roth IRA

My earned income was approximately $2600 and change so that shouldn't be a problem correct? I forgot to mention this was with Vanguard, so just call them up and they should be able to recategorize it for me? No problem; call them right now... And do it fast because you only have 4 more business day...
by hoppy08520
Fri Apr 10, 2015 9:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Transferring From Taxable to Roth IRA
Replies: 6
Views: 426

Re: 3 Fund Vs Wealthfront suggested AA

I would search the Forum for Wealthfront. There have been a number of threads from others about Wealthfront's AA, as well as about Betterment, Personal Capital and other robo-advisors.
by hoppy08520
Fri Apr 10, 2015 9:51 am
 
Forum: Investing - Help with Personal Investments
Topic: 3 Fund Vs Wealthfront suggested AA
Replies: 11
Views: 1376

Re: Are there any taxable account (non 401k/IRA) I can utili

Do you know if your employer (or spouse's) offers the ability to do after-tax 401(k) contributions? What would be the advantage of an after tax 401k vs. a taxable account? Thank you for the post. Check out the linked article. You can roll your aftertax contributions into a Roth IRA. It's a way to e...
by hoppy08520
Thu Apr 09, 2015 6:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are there any taxable account (non 401k/IRA) I can utilize?
Replies: 11
Views: 754

Re: Inherited IRA advice

My condolences as well. And welcome to Bogleheads. The benefit of these assets being in an IRA is that you can easily change the funds without triggering any taxable event. So don't stress out here, there's no irrevocable choice about which fund(s) you pick. With that in mind, I'd consider parking i...
by hoppy08520
Thu Apr 09, 2015 5:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Inherited IRA advice
Replies: 12
Views: 1319

Re: Are there any taxable account (non 401k/IRA) I can utili

Do you know if your employer (or spouse's) offers the ability to do after-tax 401(k) contributions?
by hoppy08520
Thu Apr 09, 2015 5:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are there any taxable account (non 401k/IRA) I can utilize?
Replies: 11
Views: 754

Re: 401K Through Principal. Best option?

I had a Principal 401(k) account. That plan did have index funds and they were the cheapest options in the plan, but it really depends on your plan and what funds it has and what the expenses are. Among other funds, I seem to recall that my plan had a large-cap, mid-cap and small-cap index fund and ...
by hoppy08520
Thu Apr 09, 2015 5:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K Through Principal. Best option?
Replies: 5
Views: 298

Re: Tax Efficiency/Asset Allocation Check

Given that your TIRA will be the largest account and that you want to hold most of your bonds there, then I'd make sure that you also have some international in that account as this can be your main rebalancing account between TBM, TSM and TISM. I'd consider making the Roth account be 60/40 US/Inter...
by hoppy08520
Thu Apr 09, 2015 4:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax Efficiency/Asset Allocation Check
Replies: 2
Views: 339

Re: Different IRA Beneficiaries on Different Accounts Disall

This topic has come up before. See these past threads: Bogleheads • View topic - Vanguard only accepts standard IRA beneficiary designations Bogleheads • View topic - Vanguard Account Beneficiaries I don't know if your scenario is exactly the same as the others, but it might be. Here's a quote from ...
by hoppy08520
Thu Apr 09, 2015 4:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Different IRA Beneficiaries on Different Accounts Disallowed
Replies: 8
Views: 1040

Re: Allocation Question - ROTH vs Traditional IRA

The Bogleheads wiki agrees with you: If all else is equal (and it often isn't, because you may have different options in your 401(k) and your Roth IRA), it is slightly better to have the fund with the highest expected return in your Roth, because the Roth is free from Required Minimum Distributions ...
by hoppy08520
Thu Apr 09, 2015 4:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Allocation Question - ROTH vs Traditional IRA
Replies: 2
Views: 184

Re: "Avoid Being an Investment Collector"

I am ending up as a "collector" because of different account types: IRAs His 40X(x) Her 40X(x) (at a different provider) HSA And few of of these have overlapping fund choices. I wish I could get to just 3 funds, but I don't really have a choice if I want tax advantages. Other than that, I...
by hoppy08520
Wed Apr 08, 2015 10:01 am
 
Forum: Investing - Theory, News & General
Topic: "Avoid Being an Investment Collector"
Replies: 7
Views: 2110

Re: TSP Monthly, Quarterly and Annual Returns -- March, 2015

Dr_McGarvey, I love your reports and all the work you but into them, but I would agree that conflating the NAV of funds that do reinvest dividends (like the TSP) with funds that do not , in the same chart, is misleading. It implies a similarity where one does not exist. http://farm6.staticflickr.com...
by hoppy08520
Wed Apr 08, 2015 7:30 am
 
Forum: Investing - Theory, News & General
Topic: TSP Monthly, Quarterly and Annual Returns -- March, 2015
Replies: 9
Views: 1450

Re: Portfolio Review – Dual Federal Couple

Any thoughts on how we could (slightly) reconfigure our accounts such that we take full advantage of the G Fund while, at the same time, have enough bonds (tax-exempt or TBM) in our taxable Vanguard account to serve as a "backup emergency fund" (for a downpayment, possible vehicle replace...
by hoppy08520
Tue Apr 07, 2015 5:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review – Dual Federal Couple
Replies: 15
Views: 1623

Re: GoogleFinance price quotes for TSP Funds

If anyone is using the TSP web page sharePriceHistory.shtml to "scrape" the HTML to get up-to-date share prices for TSP funds, be aware that the TSP seems to have just changed the formatting of that page around April 7, 2015, which may require you to update some formulas in your code or sp...
by hoppy08520
Tue Apr 07, 2015 7:59 am
 
Forum: Investing - Theory, News & General
Topic: GoogleFinance price quotes for TSP Funds
Replies: 12
Views: 2460

Re: Portfolio Review – Dual Federal Couple

Would doing as you suggest re- reallocating funds in difference accounts to reflect one, large portfolio make an appreciable difference? If not, I personally like that the mini-portfolios are extremely easy for me to maintain. I think this is a matter of personal preference and there isn't a "...
by hoppy08520
Mon Apr 06, 2015 11:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review – Dual Federal Couple
Replies: 15
Views: 1623

Re: Portfolio Review – Dual Federal Couple

One thought to consider (and reject if you like) is that it looks like in each account, you've assembled a mini-portfolio with each asset class. While that's fine, you could also concentrate certain asset classes in the account that is best suited for that asset class. For example, rather than holdi...
by hoppy08520
Mon Apr 06, 2015 10:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review – Dual Federal Couple
Replies: 15
Views: 1623

Re: (When) should I stop contributing to my 401k?

How can someone contribute $53k to 401k? Is it catching for older folks? I could use some catching up when I get there. See after tax 401(k) Or be self-employed with sufficient income. Even better, have jobs with multiple employers so you can have multiple plans/accounts: http://whitecoatinvestor.c...
by hoppy08520
Mon Apr 06, 2015 6:22 am
 
Forum: Investing - Help with Personal Investments
Topic: (When) should I stop contributing to my 401k?
Replies: 21
Views: 2816

Re: Thinking of raiding your retirement savings?

Taxes may be less of a concern if you have a Roth IRA, but there are still factors to consider. If you have a Roth IRA, you can withdraw your contributions at any time without being subject to income tax or a penalty tax—as long as you've owned the account for five years or more. This is incorrect,...
by hoppy08520
Sun Apr 05, 2015 10:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Thinking of raiding your retirement savings?
Replies: 10
Views: 2935

Re: (When) should I stop contributing to my 401k?

Prague wrote:How can someone contribute $53k to 401k? Is it catching for older folks? I could use some catching up when I get there.

See after tax 401(k)
by hoppy08520
Sun Apr 05, 2015 9:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: (When) should I stop contributing to my 401k?
Replies: 21
Views: 2816
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