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Re: Bond prices in Google Docs spreadsheet

Is there a website that publishes these prices, in who h you don't have to be logged in?
by hoppy08520
Sat Jan 31, 2015 10:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Bond prices in Google Docs spreadsheet
Replies: 3
Views: 239

Re: How much to pay for asset protection

Cat, I don't have the answer, but there is the asset protection wiki page that might have some good information for you and your spouse.
by hoppy08520
Fri Jan 30, 2015 8:03 am
 
Forum: Investing - Help with Personal Investments
Topic: How much to pay for asset protection
Replies: 8
Views: 678

Re: Quick Estate Planning Question

There's a wiki page on this: Estate planning - Bogleheads . Given the importance of this topic, I'd simply start with a basic "Estate Planning for Idiots/Dummies" book from your library. Get the basics down first. As much as I like skimming things online, for estate planning, I think it ma...
by hoppy08520
Tue Jan 20, 2015 10:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Quick Estate Planning Question
Replies: 2
Views: 271

Re: The TSP's Low Expenses vs. Vanguard

engineer1969, take a look at the TSP estate planning wiki page that I linked to. It has some suggestions on estate planning. I'm a TSP participant (former Fed) and I told my wife that should I predecease her that she should roll the account over to an inherited IRA so that our children can eventual...
by hoppy08520
Mon Jan 19, 2015 3:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: The TSP's Low Expenses vs. Vanguard
Replies: 40
Views: 3784

Re: Roth IRA and 401k limits ?

I think your friend is close to right. Here's a good infographic that explains this. It's from 2013, so the income limits have gone up a few thousand, but the principles are the same. Infographic: 2013 IRA Contribution Cheat Sheet - MyBackOffice (MBO) MyBackOffice (MBO) This: When you have a 401K, y...
by hoppy08520
Mon Jan 19, 2015 2:31 pm
 
Forum: Investing - Theory, News & General
Topic: Roth IRA and 401k limits ?
Replies: 17
Views: 966

Re: The TSP's Low Expenses vs. Vanguard

The only drawback of the TSP seems to be the withdrawal options. I just learned recently if the account owner dies: The designated recipient receives a special TSP account that behaves like the original. They have the option to roll it over into an external beneficiary IRA. If the designated benefi...
by hoppy08520
Mon Jan 19, 2015 10:13 am
 
Forum: Personal Finance (Not Investing)
Topic: The TSP's Low Expenses vs. Vanguard
Replies: 40
Views: 3784

Re: One portfolio mantra - apply to taxable and tax advantag

Just curious - do most Bogleheads consider both their taxable and tax-advantaged investment accounts as one portfolio and allocate investments across them accordingly? We're going to begin taxable investing soon and the more I think about it, the more I can see why someone would treat taxable diffe...
by hoppy08520
Sun Jan 18, 2015 10:42 am
 
Forum: Investing - Theory, News & General
Topic: One portfolio mantra - apply to taxable and tax advantaged?
Replies: 9
Views: 741

Re: 65 year old newbie. No more E.J. sand!

jambsaw, welcome to Bogleheads and congrats on leaving E.J. behind. It looks as if you've got around 93% of your investments in IRAs. With that in mind, given that you're interested in a 60/40 stock/bond portfolio, I'd consider making it easy on yourself and simply hold it all in the Vanguard LifeSt...
by hoppy08520
Sat Jan 17, 2015 8:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: 65 year old newbie. No more E.J. sand!
Replies: 2
Views: 735

Re: Eliminating the "Face Palm" Icon

Warning: don't Read this thread: What was your costliest investment mistake? -- it's infested with face palms. :twisted:
by hoppy08520
Fri Jan 16, 2015 9:48 pm
 
Forum: Forum Issues and Administration
Topic: Eliminating the "Face Palm" Icon
Replies: 33
Views: 2061

Re: Why invest in International funds? It's a mystery

I was just about to post almost the exact same question as the OP. I've got a spreadsheet that tracks various indexes back to 1972. When I compare various combinations of S&P and MSCI World ex USA, the long-range data doesn't appear support that the international piece much of a difference. 197...
by hoppy08520
Fri Jan 16, 2015 6:26 pm
 
Forum: Investing - Theory, News & General
Topic: Why invest in International funds? It's a mystery
Replies: 121
Views: 10529

Re: Why invest in International funds? It's a mystery

Investing 100% into the U.S isn't really comparable to investing 100% in Japan, is it? No country comes close to the market cap of the U.S. Not that I agree with only investing into U.S. stocks, but is U.S. the only country where it would be acceptable? It might not have looked like that in 1990. U...
by hoppy08520
Fri Jan 16, 2015 6:18 pm
 
Forum: Investing - Theory, News & General
Topic: Why invest in International funds? It's a mystery
Replies: 121
Views: 10529

Re: The TSP's Low Expenses vs. Vanguard

What is the process for transferring IRAs or other 401Ks to TSP? I have a couple at Wells Fargo that are all BND and might do better in the G fund. Wells will probably hit me with their exit fees. :) Here are some links explaining this: TSP transfers and rollovers - Bogleheads wiki TSP: Rollovers a...
by hoppy08520
Fri Jan 16, 2015 2:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: The TSP's Low Expenses vs. Vanguard
Replies: 40
Views: 3784

Re: Target Date Fund vs. 3 Fund Portfolio

Those of us who visit this site regularly can forget that Bogleheads are a tiny fraction of investors. If you even know how to pose this question and understand the two options, then you're far ahead of the vast majority of investors. The vast majority of investors probably have only one significant...
by hoppy08520
Fri Jan 09, 2015 3:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Target Date Fund vs. 3 Fund Portfolio
Replies: 42
Views: 3889

Re: Transcendental meditation

... It is good to meditate with a group to help you establish self discipline at first. If you can find a good teacher to talk to it is useful but not absolutely necessary... I agree with this advice. Many Unitarian Universalist churches have affiliations with Buddhist and/or meditation groups. The...
by hoppy08520
Wed Jan 07, 2015 11:18 am
 
Forum: Personal Consumer Issues
Topic: Transcendental meditation
Replies: 38
Views: 2298

Re: Is it possible to add Google Docs BBCodes to the forum?

I like the idea. Fwiw the bogleheads wiki supports embedded Google docs.
by hoppy08520
Tue Jan 06, 2015 7:37 pm
 
Forum: Forum Issues and Administration
Topic: trouble with posting images [from Google docs]
Replies: 16
Views: 802

Re: TSP to IRA Transfer and Conversion Help

eloshine, I think there are two issues here. One: the TSP account itself. Two: cost/benefit of conversion. As for #2, I think you're a little over-eager to convert to get "years of tax-free growth". If you're at the 28% tax bracket, I don't think many people would be in a rush to do a Roth...
by hoppy08520
Tue Jan 06, 2015 2:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: TSP to IRA Transfer and Conversion Help
Replies: 9
Views: 1013

Re: BOA HSA -- No fees but can't invest the first $1,000

FWIW, my HSA (Benefit Wallet) works the same way. I have to keep $1,000 in the savings account earning 0.05%. Anything over $1,000 I can move to the brokerage account where I can invest in mutual funds. I think this is rather common because most people do reimburse themselves regularly from the HSA ...
by hoppy08520
Tue Jan 06, 2015 1:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: [BOA HSA -- No fees but can't invest the first $1,000]
Replies: 7
Views: 930

Re: Pension - Roth TSP vs Traditional TSP

I don't know the answer, but this might be some good reading: Most TSP Participants Should Switch To the Roth TSP.
by hoppy08520
Tue Jan 06, 2015 10:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Pension - Roth TSP vs Traditional TSP
Replies: 10
Views: 1029

Re: TSP to IRA Transfer and Conversion Help

OP, If you are patient, a lot of people expect the TSP to allow in-plan Roth conversions in the next few years. If you can just wait it out you'll be able to convert then. I agree with Laura. I would hang onto your TSP account. There's almost no downside to keeping it and there is a lot of upside fo...
by hoppy08520
Mon Jan 05, 2015 7:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: TSP to IRA Transfer and Conversion Help
Replies: 9
Views: 1013

Re: Vanguard sets record funds inflow, has $3.1 trillion ass

I love seeing the tide turn against expensive investment firms. I wonder how they will combat it, fear campaigns with retired NFL quarterbacks can only go so far. https://www.youtube.com/watch?v=RqTm-Tgw0kk Joe Montana reminds me of my company's former 401(k) adviser. Every 401(k) meeting he would ...
by hoppy08520
Mon Jan 05, 2015 7:51 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard sets record funds inflow, has $3.1 trillion assets
Replies: 39
Views: 2847

Re: Family advice - 401k rollover

Yes, put the money in a dedicated Rollover IRA (don't make contributions to it, so you could roll it back into a new 401k if it is a good one). Would institutional shares be the only upside of rolling back into a 401k? From what I recall the difference between institutional and admiral isn't that g...
by hoppy08520
Sat Jan 03, 2015 2:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Family advice - 401k rollover
Replies: 6
Views: 610

Re: To a novice, do you recommend TSM or 500 for indexing?

Actually, I don't recommend either--I recommend Vanguard LifeStrategy. I suggest the specific LifeStrategy fund that comes closest to age-in-bonds. This assumes they have an IRA. I also recommend a target date fund in 401(k). You could do a lot worse.
by hoppy08520
Sat Jan 03, 2015 9:35 am
 
Forum: Investing - Theory, News & General
Topic: To a novice, do you recommend TSM or 500 for indexing?
Replies: 39
Views: 2250

Re: To a novice, do you recommend TSM or 500 for indexing?

Thought-provoking question. Of course the "right" answer is TSM, but you make a good point that the average novice has, we hope, at least heard of the S&P 500 index so that might stick in their brain better. Take my dad, for example. He's a curious set of investing contradictions. He's...
by hoppy08520
Sat Jan 03, 2015 9:22 am
 
Forum: Investing - Theory, News & General
Topic: To a novice, do you recommend TSM or 500 for indexing?
Replies: 39
Views: 2250

Re: Asset Placement

Hope,not to grill you, but going from 60/40 to 85/15, five years into a bull market, without an exanation, raises a little red flag. Before getting into fund selection, what prompts this? What made you want a 60/40 portfolio previously, and what motivates the shift?
by hoppy08520
Fri Jan 02, 2015 11:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Placement
Replies: 7
Views: 916

Re: Post tax 401k rollover to Roth and Roth contributions

The after-tax 401(k) funds are separate from the $5,500 annual IRA limit. So, yes, you can still contribute $5500 to an IRA.
by hoppy08520
Fri Jan 02, 2015 11:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Post tax 401k rollover to Roth and Roth contributions
Replies: 1
Views: 231

Re: Bond/Stock flip in Roth - quick question

You can make exchanges within your IRA and those are not taxable events. But if you buy/sell in your taxable account, those are taxable events, regardless of whether you did any "offset" (so to speak) in another one of your accounts. What you're asking is a common question. People wish to ...
by hoppy08520
Fri Jan 02, 2015 4:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond/Stock flip in Roth - quick question
Replies: 3
Views: 461

Re: New job with Vanguard options! Thoughts on 401k?

Hello, could you edit your original post and provide the fund names next to the ticker symbols?
by hoppy08520
Fri Jan 02, 2015 10:27 am
 
Forum: Investing - Help with Personal Investments
Topic: New job with Vanguard options! Thoughts on 401k?
Replies: 16
Views: 1253

Re: Roth 401k + Roth IRA limits

My plan allows in service distributions into my Roth IRA but the company match is suspended for six months following the distribution. Is it still worth making an annual in service distribution and forfeiting six months match? Trying to figure out how much I would need to move for it to make sense....
by hoppy08520
Thu Jan 01, 2015 7:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth 401k + Roth IRA limits
Replies: 13
Views: 1063

Re: Roth 401k + Roth IRA limits

Agree with mnvalue. A "Roth 401(k)" is sometimes described as an "after tax 401(k)" which is a bit misleading because there is something entirely different commonly called "after tax 401(k)" which is not a Roth 401(k)? Got it? :) It looks as if your company has an after...
by hoppy08520
Thu Jan 01, 2015 5:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth 401k + Roth IRA limits
Replies: 13
Views: 1063

Re: IRA rollover

Kathy, welcome to Bogleheads. I'd recommend reading this long but informative article to help guide you: Why is rolling over my 401(k) such a big deal? | Money.com. Check back here when you are close to making a decision.
by hoppy08520
Thu Jan 01, 2015 5:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: IRA rollover
Replies: 7
Views: 264

Re: AA Check Point - need advice

I just realized that I screwed up -- I was mixing up your tax bracket (taxable income) with your AGI which is what matters for IRA eligibility. You're right, your AGI is very close to the limit for IRA deductions for your wife. That makes my downside point more important, as you might climb outside ...
by hoppy08520
Sat Dec 27, 2014 4:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA Check Point - need advice
Replies: 21
Views: 1296

Re: AA Check Point - need advice

Just wanted to chip in here and ask why no one is considering spousal IRAs, like so . It was my understanding that a non-income-earning spouse could still open/contribute to a spousal IRA, provided that the married couple was filing taxes jointly. With our joint income (200k+ per year), there is no...
by hoppy08520
Sat Dec 27, 2014 4:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA Check Point - need advice
Replies: 21
Views: 1296

Re: AA Check Point - need advice

4) Wife has not been working for a long time, and has no income. Looks good overall. Your wife is not allowed to make a ROTH contribution based on the current laws. From the WiKi, Contributions may be made only by those having earned income and making under a certain income; anyone can convert a Tr...
by hoppy08520
Sat Dec 27, 2014 11:56 am
 
Forum: Investing - Help with Personal Investments
Topic: AA Check Point - need advice
Replies: 21
Views: 1296

Re: Which funds to use in 401k?

I'd stick with what you've got now, given those choices. Alternately, hold your nose and just pick the 65/35 Freedom Fund which is probably the 2020 fund; this will cost about the same and probably be more diverse than your current portfolio. Can you open an IRA to diversify internationally and with...
by hoppy08520
Sat Dec 27, 2014 11:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Which funds to use in 401k?
Replies: 7
Views: 412

Re: AA Check Point - need advice

4) Wife has not been working for a long time, and has no income. Looks good overall. Your wife is not allowed to make a ROTH contribution based on the current laws. From the WiKi, Contributions may be made only by those having earned income and making under a certain income; anyone can convert a Tr...
by hoppy08520
Sat Dec 27, 2014 11:15 am
 
Forum: Investing - Help with Personal Investments
Topic: AA Check Point - need advice
Replies: 21
Views: 1296

Re: AA Check Point - need advice

First, your proposed allocation looks reasonable compared to what one normally sees here. One area that stands out is that you're overweighting small and value in US but not internationally. There are not as many fund options for international small and value, but there are still some options out th...
by hoppy08520
Sat Dec 27, 2014 10:20 am
 
Forum: Investing - Help with Personal Investments
Topic: AA Check Point - need advice
Replies: 21
Views: 1296

Re: How to use a HSA (health savings account)?

Everything I've read says that as long as the medical expense is after you've established your HSA then you can reimburse even from the HSA even if you're no longer enrolled in a HDHP. So, this means you can count any expenses in the future, not just those that occur in years you're in a HDHP. Regar...
by hoppy08520
Fri Dec 26, 2014 8:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to use a HSA (health savings account)?
Replies: 3
Views: 724

Re: Article dissing VTSMX-opinions?

Paul Merriman, the author of the linked article, is the subject of many threads here. Search his name for more. This article is saying that an investor should overweight US small-cap value stock funds in a portfolio. If you want to read more about that there around 1,000 threads on the topic of this...
by hoppy08520
Fri Dec 26, 2014 9:36 am
 
Forum: Investing - Theory, News & General
Topic: Article dissing VTSMX-opinions?[Merriman on diversification]
Replies: 42
Views: 2921

Re: Rollover Roth 401(k) to Roth IRA or TSP? Gut Check

....The best way to figure out what you need is to estimate how much you will need in retirement. If you think that is $100k and you have a pension worth $30k per year and social security that gives you $20k per year your portfolio will need to provide the other $50k. Laura How can I calculate / es...
by hoppy08520
Fri Dec 26, 2014 8:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Rollover Roth 401(k) to Roth IRA or TSP? Gut Check
Replies: 12
Views: 1327

Re: Greetings. Thanks. A question

Hello and welcome to bogleheads. First question, are you certain there is a sales load? Many 401(k) plans waive the sales load for funds that a retail investor might pay if they bought these funds on their own, outside of a 401(k). Before you rule out all these other funds in the plan, make sure you...
by hoppy08520
Wed Dec 24, 2014 11:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Greetings. Thanks. A question
Replies: 3
Views: 705

Re: Please explain dividends to me

http://www.bogleheads.org/forum/viewtop ... 0&t=151795
http://www.bogleheads.org/forum/viewtop ... 2&t=134162

Two threads above on this topic. Also see dividend in wiki.

You basically figured it out.
by hoppy08520
Wed Dec 24, 2014 11:15 am
 
Forum: Investing - Theory, News & General
Topic: Please explain dividends to me
Replies: 11
Views: 2199

Re: Edward Jones rep trying to pull me away from lazy 3 fund

If you can read both of these exposes on Edward Jones and still hand over your money to them, then you're hopeless. If you feel the need to give away your money, stick with Vanguard and give 2% of it each year to a deserved charity -- a far better use of the money you earned. 2% a year is what you'l...
by hoppy08520
Wed Dec 24, 2014 9:43 am
 
Forum: Investing - Help with Personal Investments
Topic: delete [Edward Jones rep trying to pull me away from lazy 3]
Replies: 37
Views: 4096

Re: Comments on my TSP allocation requested

One thought: if you're in a low or 0% tax bracket today, and expect to be in a higher tax bracket later on thanks to a government pension (are you in one?) and Social Security, then you might want to think about the possibility of 9 or so years of Roth conversions until you jump up to a higher brack...
by hoppy08520
Tue Dec 23, 2014 11:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Comments on my TSP allocation requested
Replies: 5
Views: 745

Re: Move vanguard closed fund from taxable to Roth IRA

Hello and welcome to Bogleheads. Although you can't do a transfer of assets between a taxable account and a Roth IRA, I know that's not really what you want to do. You might be able to talk to someone at Vanguard on the phone who might be able to manually lift the purchase restriction on the fund fo...
by hoppy08520
Tue Dec 23, 2014 10:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Move vanguard closed fund from taxable to Roth IRA
Replies: 2
Views: 414

Re: 401k - rollover?

The Bogleheads wiki has a good summary including links to other articles on this topic: 401(k) - Bogleheads . If you do choose to rollover to an IRA, consider following the advice in Asset protection - Bogleheads to roll over to an IRA titled "Rollover IRA" and not mix rollover funds with ...
by hoppy08520
Tue Dec 23, 2014 10:10 am
 
Forum: Investing - Help with Personal Investments
Topic: 401k - rollover?
Replies: 8
Views: 974

Re: Voya 401(k)'s insanely high ER's on Vanguard funds

FWIW, when I had a 401(k) plan from John Hancock, we had Vanguard funds that also had a 0.5% ER surcharge on top of the retail fund expense ratio. And we also paid an additional unadvertised 0.35% fee on our assets under management, on top of the fund expense ratios. For example, suppose the Vanguar...
by hoppy08520
Tue Dec 23, 2014 9:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Voya 401(k)'s insanely high ER's on Vanguard funds
Replies: 29
Views: 3171

Re: VTI went up, but VTSMX went down

TheTimeLord wrote:
InvestorNewb wrote:Please post the full names of the funds instead of only the tickers.


Your post is ironic given your signature.

:) you beat me to it
by hoppy08520
Fri Dec 19, 2014 8:53 pm
 
Forum: Investing - Theory, News & General
Topic: VTI went up, but VTSMX went down
Replies: 19
Views: 2566

Re: Improving the TSP [for current participants]

MichDad, I'm with you on all those other things too. My earlier comment was really just about fund options, not necessarily about account management. Let's cross our fingers...
by hoppy08520
Thu Dec 18, 2014 5:34 pm
 
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 53
Views: 7200
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