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Re: HSA: spend or invest?

Silly rookie question here. Does it only make sense to do it for an unmaxed Roth? What about an unmaxed traditional? Not a silly question at all! If you look at the linked wiki page it covers the traditional scenario as well. The difference is that the $500 can actually be bigger than that because ...
by hoppy08520
Mon Mar 30, 2015 6:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA: spend or invest?
Replies: 27
Views: 2868

Re: To convert to Roth IRA from 401(k)

You mention you can either do Roth conversion or roll over to new 401(k). You could also roll it over to a traditional IRA or maybe even leave it in the old plan.
by hoppy08520
Mon Mar 30, 2015 12:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: To convert to Roth IRA from 401(k)
Replies: 7
Views: 497

Re: Using my HSA as a ROTH IRA vehicle

Yes, this is discussed here a lot. See HSA page in wiki for more, or search archives for past threads.
by hoppy08520
Sun Mar 29, 2015 11:40 am
 
Forum: Investing - Theory, News & General
Topic: Using my HSA as a ROTH IRA vehicle
Replies: 6
Views: 760

Re: Can I have multiple 401k's?

OP, more here. Be sure to look at the comments.
http://whitecoatinvestor.com/multiple-401k-rules/
by hoppy08520
Tue Mar 24, 2015 9:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I have multiple 401k's?
Replies: 4
Views: 480

Re: Vanguard Ex-US Small Cap Value Petition

I would support this. But I think getting an Admiral shares version of Vanguard FTSE All-World ex-US Small-Cap Index Fund (VSS / VFSVX) is more important. Fwiw Vanguard Global ex-U.S. Real Estate Index Fund Investor Shares (VGXRX) has an Admiral share class. According to Vanguard website the intern...
by hoppy08520
Tue Mar 24, 2015 8:14 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Ex-US Small Cap Value Petition
Replies: 24
Views: 3030

Re: Can I have multiple 401k's?

Is there a maximum 401k contribution limit each year, per person, like there is with an IRA? If a person has multiple jobs, can they max each 401k? What if a person owns multiple small business, can they put away i401k money in each business? You can have multiple plans but the contribution limits ...
by hoppy08520
Tue Mar 24, 2015 7:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I have multiple 401k's?
Replies: 4
Views: 480

Re: Vanguard Problems

I'm not trying to minimize Patrick's issues at all, so please don't take what I write in that sense. But I will say that when you manage $3,000,000,000,000 of assets, I'm sure that stuff happens. I don't know if Vanguard is worse, or better, than other companies when you adjust for size and number o...
by hoppy08520
Mon Mar 23, 2015 4:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Problems [Account transactions]
Replies: 22
Views: 3111

Re: Military TSP and/or IRA?

TSP is not an ERISA plan, nor are IRAs. They therefore don't get federally mandated protection against lawsuits. Most states protect them, but you'll have to check your state laws. 401ks have the most ironclad protection against lawsuits. Woah, I just googled that and you're right. My mistake. That...
by hoppy08520
Mon Mar 23, 2015 12:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Military TSP and/or IRA?
Replies: 36
Views: 1388

Re: Military TSP and/or IRA?

Even though Vanguard's admiral shares are very close to TSP in terms of expenses, I'd still at least get the TSP started for the following reasons: ⋅  The G Fund ⋅  It's nice to have an option to roll over future 401(k) accounts into the TSP especially for things like the Backdoo...
by hoppy08520
Mon Mar 23, 2015 11:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Military TSP and/or IRA?
Replies: 36
Views: 1388

Re: Military TSP and/or IRA?

The TSP is probably the best defined contribution plan in the country. Their expense ratios are 7-8 times smaller than Vanguard! I don't want to detract from the pro-TSP message here, which I agree with entirely. But Vanguard is not that much more expensive than the TSP. Once your funds get into th...
by hoppy08520
Mon Mar 23, 2015 7:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Military TSP and/or IRA?
Replies: 36
Views: 1388

Re: Any other investors with 70/30 portfolio?

I'm at 70/30 and I'm 45 years old. When I found Bogleheads 3 years ago I was 80/20 but absorbing this site made me drift to a slightly more conservative AA although I've also added some SCV and REIT tilts at the same time.
by hoppy08520
Sun Mar 22, 2015 8:02 pm
 
Forum: Investing - Theory, News & General
Topic: Any other investors with 70/30 portfolio?
Replies: 60
Views: 6836

Re: NYTimes on benefits of passive investing

This is why one needs a financial advisor to select actively-managed mutual funds for them every year or so. The funds picked last year are not going to be the best funds for the next year. LMAO! :sharebeer LOL. And so for diversification, one should have a bunch of advisors so you don't get stuck ...
by hoppy08520
Wed Mar 18, 2015 7:35 pm
 
Forum: Investing - Theory, News & General
Topic: NYTimes on benefits of passive investing
Replies: 16
Views: 2877

Re: Vanguard - The New Bond King - WSJ

Love it. It's always nice to see the Good Guys win one... Love it. Yeah, he's about to be the manager of the largest bond fund on the planet. Does that make him a "big deal"? I think the big deal is the fact that there's a major financial company out there that can breed this kind of cult...
by hoppy08520
Wed Mar 18, 2015 7:49 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard - The New Bond King - WSJ
Replies: 27
Views: 4301

Re: keep advisor or do it myself

If you like the advisor as a friend, ask him if you can go out on his boat.....that you're paying for. I would expect the boating invitations to sail away. One of my favorite Boglehead posts: Bogleheads: My former Merrill Lynch broker was also a good friend who used to take us out in his yacht (whi...
by hoppy08520
Mon Mar 16, 2015 9:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: keep advisor or do it myself
Replies: 28
Views: 2195

Re: International is disappointing

Here's a new wrinkle to this thread. VITPX in our 401K has a really low ER of .02%. VANG TOT INTL STK IS (VTSNX) 04/29/1996 Stock Investments Foreign has an ER of 0.12%, or 6x as much. Just a mathematical quibble. The 6x ratio you cite isn't really an important or significant number and it's distra...
by hoppy08520
Mon Mar 16, 2015 4:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: International is disappointing
Replies: 84
Views: 7168

Re: Chosing Mutual Funds: Indexed or Managed

Based on many academic studies, the biggest predictor of future returns is expenses. How Many Mutual Funds Routinely Rout the Market? Zero - NYTimes.com With fund returns, past is not prologue. Don't be swayed by past successes. They have almost no bearing on the future. In fact, if anything, past s...
by hoppy08520
Sun Mar 15, 2015 7:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Chosing Mutual Funds: Indexed or Managed
Replies: 9
Views: 994

Re: Costs of Vanguard Target Retirement Funds?

A good idea here would be to look at the prospectus, which explains all about expenses, among other matters. Since anytime you invest in a new mutual fund, you must certify that you have read the prospectus, it is a good idea to do so anyway. Do you read every EULA (End User License Agreement) befo...
by hoppy08520
Sat Mar 14, 2015 8:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Costs of Vanguard Target Retirement Funds?
Replies: 6
Views: 805

Re: IRA questions

Welcome to Bogleheads. You can withdraw contributions without penalty from a Roth IRA but not the earnings until you're 59.5 (and a few other conditions). You can switch funds around in an IRA without triggering a taxable event, although depending on your custodian you might pay for trades. Generall...
by hoppy08520
Sat Mar 14, 2015 8:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: IRA questions
Replies: 2
Views: 265

Re: Should tilters recommend tilting to beginners?

I tilt but I'm far from certain that I'm right. I've advised a few people in real life, all novices, and have recommended Vanguard LifeStrategy (all in tax-advantaged) or had them work it out with Vanguard which recommended their standard 3-fund (this was before Vanguard added international bonds). ...
by hoppy08520
Sat Mar 14, 2015 1:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should tilters recommend tilting to beginners?
Replies: 49
Views: 2743

Re: Help with Investments (2015 Edition)

2. Do you have dependent children? I ask because if you are on the edge of the 15/25 bracket then you might be in the child tax credit phaseout, and if you are then that might play into some other decisions such as you doing a T IRA instead of Roth IRA. Good question. We have one dependent (born in...
by hoppy08520
Thu Mar 12, 2015 5:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help Mr. Meow with Investments (2015 Edition)
Replies: 5
Views: 874

Re: Help with Investments (2015 Edition)

Two questions. 1. You mention no retirement plan at work. Are you self-employed? If so then you can do a solo 401(k). 2. Do you have dependent children? I ask because if you are on the edge of the 15/25 bracket then you might be in the child tax credit phaseout, and if you are then that might play i...
by hoppy08520
Wed Mar 11, 2015 2:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help Mr. Meow with Investments (2015 Edition)
Replies: 5
Views: 874

Re: 2014 Roth contribution from emergency fund

Good idea. Make sure you understand the details. https://www.bogleheads.org/wiki/Emergency_fund#Roth_IRA_as_an_emergency_fund Eventually try to max your tax-advantaged retirement accounts and then build up taxable e fund and then "reallocate" Roth IRA from e fund to retirement savings. Thi...
by hoppy08520
Wed Mar 11, 2015 7:00 am
 
Forum: Investing - Help with Personal Investments
Topic: 2014 Roth contribution from emergency fund
Replies: 2
Views: 230

Re: Asset Allocation w/Target Fund + Additional Funds?

Welcome to Bogleheads. I think you've framed the question properly. There's no right answer. I think TDF are great for simpler portfolios or when one has only tax-advantaged retirement accounts (like a 401(k) and/or IRA), and they are great for novice 401(k) investors who don't know/care about inves...
by hoppy08520
Tue Mar 10, 2015 4:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation w/Target Fund + Additional Funds?
Replies: 6
Views: 524

Re: HSA Asset Allocation

Welcome to Bogleheads. Given that an HSA is not going to be a big account (generally) since you can't contribute too much to it, it seems like having 4 funds is overkill. Can you maybe just pick Vanguard LifeStrategy Conservative Growth Fund (VSCGX) which is a 40/60 stock/bond fund, with an allocati...
by hoppy08520
Mon Mar 09, 2015 7:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA Asset Allocation
Replies: 8
Views: 940

Re: Help With Selecting 401k Investment

Welcome to Bogleheads. If you were a total novice investor then the standard advice might be to go with the Fidelity Freedom fund most appropriate to your desired asset allocation (which might not necessarily be the year in the fund name). Around here, the Freedom Funds aren't generally well-liked b...
by hoppy08520
Sat Mar 07, 2015 5:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help With Selecting 401k Investment
Replies: 3
Views: 300

Re: Protect rollover IRA from potential lawsuit

............................ As you research this, be aware that there seem to be two general types of creditors: bankruptcy, and non-bankruptcy. From what I understand, IRAs have more protection under bankruptcy (in general) but it's the latter type of creditor/claim where you might have less asse...
by hoppy08520
Sat Mar 07, 2015 2:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Protect rollover IRA from potential lawsuit
Replies: 41
Views: 4106

Re: Protect rollover IRA from potential lawsuit

This doesn't directly answer your question, but this wiki page might provide some more information: Asset protection - Bogleheads . As you research this, be aware that there seem to be two general types of creditors: bankruptcy, and non-bankruptcy. From what I understand, IRAs have more protection u...
by hoppy08520
Sat Mar 07, 2015 10:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Protect rollover IRA from potential lawsuit
Replies: 41
Views: 4106

Re: question about pensions for people with TSP

Yes, she will get her pension (1% for every year of service, 1.1% if she waits until age 62 to retire) Just a little footnote to this: for some Feds under FERS, the multiplier is 1.7% per year and the formulas might vary a bit, including: "Air Traffic Controllers, Firefighters, Law Enforcement...
by hoppy08520
Sat Mar 07, 2015 8:44 am
 
Forum: Personal Finance (Not Investing)
Topic: question about pensions for people with TSP
Replies: 11
Views: 1156

Re: TSP account asset allocation?

Hi, I'd consider modeling your portfolio on the TSP's LifeCycle funds.
by hoppy08520
Fri Mar 06, 2015 6:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: TSP account asset allocation?
Replies: 11
Views: 811

Re: Weird deposit for 401k

Luke, this can depend on your 401(k) plans and its funds, but I suspect this contribution is a dividend, especially given its small size (most stock and bond funds will pay out 2% - 3% or so annually). If you look at your account details, you might see some small fractional shares being added to one...
by hoppy08520
Fri Mar 06, 2015 6:56 pm
 
Forum: Investing - Theory, News & General
Topic: Weird deposit for 401k
Replies: 4
Views: 728

Re: Back Door Roth worth it given 401k management fees?

<...snip...> Assuming a constant (haha) annual return of 5% and the maximum allowable Roth contribution every year for someone my age up until age 65...<...snip....> The second assumption -- that the backdoor will be open indefinitely -- is a questionable assumption. It's only been around since 201...
by hoppy08520
Fri Mar 06, 2015 6:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Back Door Roth worth it given 401k management fees?
Replies: 6
Views: 549

Re: Poll: Average E/R

Looking at these results, I'm guessing very few of you (if any) have 401ks with John Hancock. In my case, I had – past tense, thankfully – a John Hancock 401(k). Back then my weighted portfolio ER was more like 0.4 because of the Hancock anchor on close to half my portfolio. Those assets are now in...
by hoppy08520
Mon Mar 02, 2015 10:38 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Average E/R [Expense Ratio]
Replies: 24
Views: 1328

Re: What's your average ER?

0.13%. It would be cheaper if not for my 401(k) where ~8% of our assets are in 0.35% funds. The rest of the portfolio is at Vanguard and the TSP, thankfully.
by hoppy08520
Sun Mar 01, 2015 7:46 pm
 
Forum: Investing - Theory, News & General
Topic: What's your average ER? [Expense Ratio]
Replies: 123
Views: 7147

Re: Help with 457 fund picks

It's not uncommon for an employer plan to have one good index fund and the rest expensive actively managed funds. That looks like your 457. Can you use just the S&P 500 index fund and then other accounts (IRA, taxable, etc.) for funds in other asset classes? What is the interest on the "Ke...
by hoppy08520
Sun Mar 01, 2015 8:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with 457 fund picks
Replies: 7
Views: 580

Re: HSA: spend or invest?

Could someone please explain the logic behind paying out of pocket when maxing out tax-advantaged accounts and not when not maxing them out? I went to the wiki and still don't understand the logic behind it. This is the section in the wiki that explains this: Health savings account - paying current...
by hoppy08520
Sun Mar 01, 2015 8:08 am
 
Forum: Investing - Help with Personal Investments
Topic: HSA: spend or invest?
Replies: 27
Views: 2868

Re: Help planning Roth IRA Conversion

2. Is it reasonable to wait and do the conversion later during those lower income years in the near future? In a decade when we're overseas? This is what I'd do. Why convert to Roth now in the 25% bracket when you can convert a chunk every year at 0% after early retirement? 3. Should we continue to...
by hoppy08520
Sat Feb 28, 2015 7:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help planning Roth IRA Conversion
Replies: 4
Views: 444

Re: Advice for a new 403b

Hello and welcome to Bogleheads. Two things stand out. First, you mention that you'd like a 60/40 stock bond allocation, but VFORX is Vanguard's 2040 retirement fund which is 90/10. If you would like to stay at 60/40, then in your IRA switch to the LifeStrategy Moderate Growth fund (VSMGX) which has...
by hoppy08520
Sat Feb 28, 2015 7:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice for a new 403b
Replies: 2
Views: 287

Re: Help with 457 fund picks

It's not uncommon for an employer plan to have one good index fund and the rest expensive actively managed funds. That looks like your 457. Can you use just the S&P 500 index fund and then other accounts (IRA, taxable, etc.) for funds in other asset classes? What is the interest on the "Key...
by hoppy08520
Sat Feb 28, 2015 7:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with 457 fund picks
Replies: 7
Views: 580

Re: Lifestrategy moderat growth vs Total stock MKT index fun

Hello and welcome to the forum. Is this in a taxable account? Would it be a gift to your daughter or owned by you but for her? Or is it her money and she's asking you for advice? Is she in a high or low tax bracket, and what about her future tax bracket (to the degree that you can guess this). Also,...
by hoppy08520
Sat Feb 28, 2015 6:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lifestrategy moderat growth vs Total stock MKT index fund
Replies: 8
Views: 1010

Re: How much did you have saved up for retirement at age 30?

In today's dollars, I had $50,000, all in TSP/401(k) when I was 30 years old. No home (yet) or significant possessions so that was all my net worth.
by hoppy08520
Sat Feb 28, 2015 3:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much did you have saved up for retirement at age 30?
Replies: 173
Views: 13233

Re: AA and Portfolio Construction using 401k+HSA

gravedigger, at this point, I'd just stick with the target date funds to keep it easier. The ER of the target date funds isn't much more than the blended portfolio of a combination of the component funds, so you're not helping yourself much by selecting the single funds. I'd invest enough to get the...
by hoppy08520
Sat Feb 28, 2015 2:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA and Portfolio Construction using 401k+HSA
Replies: 2
Views: 274

Re: Update questions 8yrs after redoing AA with Bogleheads

QckLrnr, your portfolio looks good except one suggestion would be to take a closer look at your international allocation. VFWAX has only large-cap stocks, and the I Fund (being an EAFE index) has only large-cap developed markets stocks. Consider switching your international allocation to Vanguard's ...
by hoppy08520
Sat Feb 28, 2015 10:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Update questions 8yrs after redoing AA with Bogleheads
Replies: 1
Views: 668

Re: Vanguard S&P 500 and Roth IRA

VFIAX is the Admiral share class of VFINX. Both share classes are for the same fund, the Vanguard 500-stock index, but the Admiral share class is cheaper. You can get this share class once your balance in the fund is over $10,000. VOO is the ETF version of the same fund. If you want ETFs then E*Trad...
by hoppy08520
Fri Feb 27, 2015 6:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard S&P 500 and Roth IRA
Replies: 3
Views: 793

Re: International is disappointing

airahcaz wrote:Vanguard Total International has underperformed the S&P 500 in the past 5 years by more than 60%?

So disappointing that I'm considering taking the risk and going 100% Vanguard TSM (Total Stock Market).

Nothing like buying high and selling low.
by hoppy08520
Fri Feb 27, 2015 5:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: International is disappointing
Replies: 84
Views: 7168

Re: Rock-Paper-Scissors: EFund vs. IRA vs. Loan Debt

Is there policy talk of ending the backdoor Roth contribution? The backdoor Roth IRA method really only became available in 2010 when income limits on Roth IRA conversions were eliminated (previously I believe you had to have a AGI less than $100K in order to do a conversion). There have been propo...
by hoppy08520
Fri Feb 27, 2015 3:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rock-Paper-Scissors: EFund vs. IRA vs. Loan Debt
Replies: 15
Views: 759

Re: Roth vs trad 401k + various Qs on SCV, momentum, bonds

At your tax rate I'd go traditional 401(k) not Roth 401(k), and max it if possible but max HSA first. I think your portfolio is reasonable. Your #6 resonates with me. I'm similar. Just stay the course and don't rejigger every year chasing performance (don't buy high and sell low) or the next buzz tr...
by hoppy08520
Thu Feb 26, 2015 10:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth vs trad 401k + various Qs on SCV, momentum, bonds
Replies: 7
Views: 547

Re: 19 years old, lots of capital, need help!

King, welcome to Bogleheads. You've gotten excellent investing advice from Duckie. I don't have anything to add there. Just a couple of thoughts. 1. There might not be a "consolidated" way to easily manage taxes, investing and banking. Especially in your case, your taxes might be a little ...
by hoppy08520
Thu Feb 26, 2015 9:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: 19 years old, lots of capital, need help!
Replies: 3
Views: 974

Re: Leaving financial advisor and switching to index funds

Hello and welcome to Bogleheads (I must have written this 5+ times today -- a lot of brand new members). First, I think you're making a good move. Anyone smart enough to be a dentist can manage a basic portfolio--usually. Ironically, it's often the smart dentists and doctors who are a little too ove...
by hoppy08520
Thu Feb 26, 2015 8:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Leaving financial advisor and switching to index funds
Replies: 2
Views: 736

Re: 401k bond question.

Hello and welcome to Bogleheads. It sounds like the "fixed option" might be what is called a "stable value fund". See stable value fund in the Bogleheads wiki for more. If this is in fact a stable value fund, then the 2.97% rate is pretty good and would make this fund a suitable ...
by hoppy08520
Thu Feb 26, 2015 8:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k bond question.
Replies: 5
Views: 346
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