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Re: Asset Allocation Across Accounts with varying Tax Situat

There's a wiki page on this with lots of links to past discussions on this topic.

Tax-adjusted_asset_allocation
by hoppy08520
Sat Nov 22, 2014 9:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Across Accounts with varying Tax Situations
Replies: 3
Views: 258

Re: Learning to Type

livesoft wrote:Thanks for the link about typingclub.com I give it two thumbs up! Plus 8 fingers, too. I'm gonna tell my kids about it.

Image

Braggart :)

I'm impressed with your right pinkie. Twice as fast as the other 9 digits.
by hoppy08520
Sat Nov 22, 2014 9:03 am
 
Forum: Personal Consumer Issues
Topic: Learning to Type
Replies: 14
Views: 1612

Re: what is the CRSPTM1 index?

Thanks a Toto, great info. I was aware of the benchmark change two years ago but didn't think much about it. I thought it was really all about licensing fees and not so much about the actual composition of the benchmarks. But thanks to your post and reading Rick Ferri's linked article, I realize tha...
by hoppy08520
Sat Nov 22, 2014 8:59 am
 
Forum: Investing - Theory, News & General
Topic: what is the CRSPTM1 index?
Replies: 4
Views: 355

Re: HSA with post-deductible health FSA question

Welcome to Bogleheads. That's a tough first question :-) I am not an expert on this but I'll refer you to the wiki: Flexible spending arrangement - Bogleheads . When you say "limited" FSA, I assume you mean a "limited purpose FSA"? As I understand it, if you have a HSA, then you ...
by hoppy08520
Thu Nov 20, 2014 7:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA with post-deductible health FSA question
Replies: 3
Views: 382

Re: Help with 403b portfolio

Hello and welcome to Bogleheads. While you don't have a lot of options the ones you have are good. I'd go with the total bond fund that you already have. For US stocks, use Vanguard total stock. For international, Vanguard developed markets. I'd go with 50/30/20 between US/intl/bonds. We tell this t...
by hoppy08520
Sun Nov 16, 2014 9:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with 403b portfolio
Replies: 5
Views: 375

Re: Asset Allocation Question

Looks reasonable. Maybe a little light in bonds. Lotta people here prefer VSS over Explorer.
by hoppy08520
Sun Nov 16, 2014 8:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Question
Replies: 2
Views: 279

Re: Grade me

And I've already started looking at this: http://www.etf.com/docs/IfYouCan.pdf I'm wondering if it would be good to partially do this or if I should try to take my 403b and make it look similar. I wish I had read that when I was younger. If you follow William Bernstein's advice, I don't see how you...
by hoppy08520
Sun Nov 16, 2014 8:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Grade me
Replies: 12
Views: 1344

Re: New to investing - Need help with bonds in portfolio

At your tax bracket, why Roth 401(k)? Why not traditional 401(k)? For my specific scenario (single, renting), even if I did traditional 401k I don't really go into lower bracket level. prashanth, the choice between Roth and Traditional doesn't really hinge on whether that decision moves you between...
by hoppy08520
Sun Nov 16, 2014 8:18 am
 
Forum: Investing - Help with Personal Investments
Topic: New to investing - Need help with bonds in portfolio
Replies: 5
Views: 692

Re: Grade me

I'm enrolling you in an IEP. Your assignment is to learn about IRAs. Please write three sentences on how an IRA is a better investment vehicle than a saving account. Then write up your plan to open an IRA for each of you and your strategy for funding it. You may watch the Bogleheads video series for...
by hoppy08520
Sat Nov 15, 2014 9:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Grade me
Replies: 12
Views: 1344

Re: Harry's razors

I've been a mach 3 razor consumer since inception. I know they are pricey but I get ~ 3 weeks use so ok with that. The Harrys are less but I am wondering who has tried them and has a comment either way. Thanks Sam I've been using the Razor Pit for a couple of years now with my Sensor razor and I ca...
by hoppy08520
Sat Nov 15, 2014 9:13 pm
 
Forum: Personal Consumer Issues
Topic: Harry's razors
Replies: 53
Views: 4902

Re: New to investing - Need help with bonds in portfolio

Hello and welcome to Bogleheads. If you want to hold part of your bonds in the Target Retirement Income fund, I think that makes sense. I can't remember seeing a 401(k) plan where that fund is cheaper than the bond fund options, but if that's what's in your plan, and you're comfortable with keeping ...
by hoppy08520
Sat Nov 15, 2014 6:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: New to investing - Need help with bonds in portfolio
Replies: 5
Views: 692

Re: Taylor Larimore, My Favorite Teacher

What a wonderful tribute!

Here's a teaser from the blog post:
Taylor always wore a dark suit and red tie. He would stand with his right hand in his jacket pocket, raise his left hand high, and declare, “Seek truth in thought and the words will surely follow.”
by hoppy08520
Sat Nov 15, 2014 8:25 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Taylor Larimore, My Favorite Teacher
Replies: 13
Views: 1997

Re: Save for down payment w/Roth TSP?

Sorry for the additional noob question, but if I set up a Roth IRA through Vanguard, is there any way to do it so that money immediately comes out of my paycheck towards that? Or must it come from my bank account? In my Vanguard account, I have it connected to my checking account. I make monthly &q...
by hoppy08520
Fri Nov 14, 2014 12:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Save for down payment w/Roth TSP?
Replies: 11
Views: 677

Re: HSA strategy

Actually, there's some different advice in this thread:

Bogleheads • View topic - Confused by Wiki Advice on HSA Spending
by hoppy08520
Thu Nov 13, 2014 6:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA strategy
Replies: 8
Views: 1252

Re: Roll Vanguard Roth into TSP Roth

Just an FYI, I don't believe that a Roth IRA can be rolled into any qualified plan, which includes the TSP and 401(k) plans. This is not just a TSP rule, this is a rule for Roth 401(k) as well. Can I roll over my IRA into my retirement plan at work? You can roll over your IRA into a qualified retire...
by hoppy08520
Tue Nov 11, 2014 12:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roll Vanguard Roth into TSP Roth
Replies: 10
Views: 558

Re: War on Debt

surfhb wrote:I think we're all being hosed. Lol!

I don't see that. He's been on BogleHeads for 7 years. If you look at past posts, which have come every so often, you hear the same voice in the writing.
by hoppy08520
Mon Nov 10, 2014 1:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: War on Debt
Replies: 247
Views: 25342

Re: War on Debt

<< snip >> Me telling her that if we don't change, we will be heading to bankruptcy makes cry and not really work to resolve our problem. She then goes on tangent how I spent $12 on a game , so why can't she spend her money. Obviously I am not against her spending money, but I point out that I stay...
by hoppy08520
Sun Nov 09, 2014 6:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: War on Debt
Replies: 247
Views: 25342

Re: War on Debt

<< snip >> 2. Recommendation - the point above leads me to my recommendation, which is a way to think about the big picture instead of fixating on one expense or another expense, or obsessing about what caused your debt. How about you do this --- Create three "pay off the debt" projection...
by hoppy08520
Sun Nov 09, 2014 3:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: War on Debt
Replies: 247
Views: 25342

Re: War on Debt

I think some of you are too hung up on the student loans. My concern is the consumer debt. Once that is tackled, then the other debt can be addressed. We both have pensions and I saved up a sizable nest egg for retirement. So that is the least of my concern right now. Technofox, first of all, I adm...
by hoppy08520
Sun Nov 09, 2014 9:37 am
 
Forum: Personal Finance (Not Investing)
Topic: War on Debt
Replies: 247
Views: 25342

Re: Trying to get started and have been procrastinating

Is there a point in letting it [Rollover IRA] sit there without any new investment going in? There's no problem at all with having a "dormant" account sitting out there. It's quite common. I've had a dormant account since 1996, which I cannot contribute to, and it's an important part of m...
by hoppy08520
Sun Nov 09, 2014 8:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Trying to get started and have been procrastinating
Replies: 26
Views: 2395

Re: Trying to get started and have been procrastinating

One addendum to my earlier reply --- in order to advise what funds to hold in your IRAs, that decision needs to be made based on what's in the employer trust so that your overall AA is where you want it to be. For example, if the employer trust is 100% stock, then your IRAs will need to be more bond...
by hoppy08520
Sat Nov 08, 2014 11:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Trying to get started and have been procrastinating
Replies: 26
Views: 2395

Re: Trying to get started and have been procrastinating

Hello and welcome to Bogleheads. Desired Asset allocation: I was thinking maybe around 50% stocks / 50% bonds but could probably do 60/40. Nothing wrong with that. My wife and I both work and contribute to our employers profit sharing trust which is our retirement plan instead of a 401K. We've been ...
by hoppy08520
Sat Nov 08, 2014 10:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Trying to get started and have been procrastinating
Replies: 26
Views: 2395

Re: Retirement advice for new investor

Hello and welcome to Bogleheads. Assuming that you're looking to save and invest more in a long-term retirement account, then you two seem like the perfect candidate for a Solo 401(k) plan - Bogleheads wiki , which is essentially a 401(k) plan for the self-employed. A Solo 401(k), (also known as a S...
by hoppy08520
Sat Nov 08, 2014 10:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Retirement advice for new investor
Replies: 2
Views: 265

Re: asset allocation question - reason to go > Age in bonds

See this post/poll. You're not as conservative in Bogleville as you might think.

viewtopic.php?f=10&t=101010
by hoppy08520
Fri Nov 07, 2014 9:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: asset allocation question - reason to go > Age in bonds
Replies: 22
Views: 2288

Re: HSA allocation

I use my HSA as essentially another IRA, and invest accordingly. For me it's just another tax-advantaged retirement account.
by hoppy08520
Wed Nov 05, 2014 10:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA allocation
Replies: 9
Views: 845

Re: For Women on this forum and those who share their expert

Can you tell us why anyone on the bogleheads site might possibly be interested in a site that is aimed at women? That strikes me as both unnecessarily limited in scope and offensively condescending. But of course I haven't visited the site itself. "Offensively condescending"? Sheesh. Woul...
by hoppy08520
Wed Nov 05, 2014 8:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: For Women on this forum and those who share their expertise
Replies: 43
Views: 4408

Re: Request for help with early investors portfolio

That might be my problem in that I don't have any specific reason why I would want a regional tilt. Because of this would it be better to just incorporate the broader international economy and get rid of any regional tilt? Or is it still okay to have a regional tilt. To me, if you're asking this qu...
by hoppy08520
Wed Nov 05, 2014 3:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Request for help with early investors portfolio
Replies: 28
Views: 1823

Re: Request for help with early investors portfolio

Hello and welcome to Bogleheads. Why VEU instead of Vanguard Total International Stock ETF (VXUS)? VXUS has small caps, VEU does not. Given that you're doing a small cap tilt for US stocks, I'm not sure why you'd eliminate small caps entirely for international stocks (unless the Matthews Asian Growt...
by hoppy08520
Wed Nov 05, 2014 7:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Request for help with early investors portfolio
Replies: 28
Views: 1823

Re: A New 401k

zratis, just to make sure we're not missing anything, can you list all the funds in the new 401(k) along with ticker symbol, fund name, and expense ratio?
by hoppy08520
Wed Nov 05, 2014 7:36 am
 
Forum: Investing - Help with Personal Investments
Topic: A New 401k
Replies: 4
Views: 610

Re: Evaluating my portfolio as I approach 30

bananawheel, welcome to Bogleheads. First, let me say that I learned something from your post. I didn't know that WWE (World Wrestling Entertainment) was actually a publicly traded stock. Next, I might ask, why would you bother holding $326 in this stock, in a $100,000+ portfolio? I ask this only se...
by hoppy08520
Tue Nov 04, 2014 9:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Evaluating my portfolio as I approach 30
Replies: 22
Views: 3153

Re: AA...any other crazy 80/20 folks out there?

I'm your age and I was at 80/20 for 5-10 years, but almost two years ago I shifted to 70/30. This shift came after great deliberation and thinking about it for a year or so, and after being influenced by some of the more conservative Bogleheads. I shifted to 70/30 because: ⋅  I went to a m...
by hoppy08520
Tue Nov 04, 2014 8:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA...any other crazy 80/20 folks out there?
Replies: 57
Views: 4755

Re: What do you set your thermostat to (in F)?

We set it to 50 degrees! Just put on extra layers of clothing! Is that not the Boglehead way? I am in awe! I wish I could do that but we are closer to: 65 day 60 night I could probably go to 50 but the fights with my wife and kids would be too hard. Plus we have guinea pigs who would freeze unless ...
by hoppy08520
Tue Nov 04, 2014 7:14 pm
 
Forum: Personal Consumer Issues
Topic: What do you set your thermostat to (in F)?
Replies: 81
Views: 4457

Re: Could I get some opinions on a move my investor made?

Hello and welcome to Bogleheads. I didn't look up those six ticker symbols and I don't have them all memorized -- could you list them out including the name of the fund and the approximate percentage each fund is of your overall portfolio? You'll get better feedback that way. Also, do you have other...
by hoppy08520
Mon Nov 03, 2014 3:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Edit: Reposting
Replies: 3
Views: 428

Re: Is Vanguard a good place to invest?

One point that's different about Vanguard is that while they might screw up, they are unlike to screw the customer because of their unique ownership structure. Since the funds own the company (The Vanguard Group), there isn't the same kind of profit motive that pressures a privately held or publicly...
by hoppy08520
Mon Nov 03, 2014 11:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Is Vanguard a good place to invest?
Replies: 59
Views: 5001

Re: Rolling over current employer 403b to TSP

This wiki page explains it: In-service distribution An in-service distribution, also known as a in-service withdrawal or in-service rollover, is when a participant takes a rollover distribution from the plan while still employed at the company that is offering the plan. Per IRS rules this is not per...
by hoppy08520
Fri Oct 31, 2014 9:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Rolling over current employer 403b to TSP
Replies: 7
Views: 549

Re: Portfoilio Help

Welcome to Bogleheads. Should I keep RERGX in my 401k and index with a small blend in my IRA instead? Should I trade RERGX for TISBX? RERGX is a great fund with decent expenses, but still higher than the index funds and ETF's. I think I can say that most people here would prefer index funds to Ameri...
by hoppy08520
Tue Oct 28, 2014 4:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfoilio Help
Replies: 2
Views: 460

Re: Asset allocation in inherited IRA's

Given that you're withdrawing only the RMD from the IRAs and stretching the rest, then one thought is to concentrate your bond holdings in the inherited IRAs, and counterbalance that by holding more stocks in your other accounts. You have to put bonds somewhere, and you might as well put them in the...
by hoppy08520
Sun Oct 26, 2014 9:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Asset allocation in inherited IRA's
Replies: 11
Views: 789

Re: My TSP G Fund is not Enough! What other Bonds?

The pros who create the TSP L 2030 fund have 29% G and 6% F (as of Oct ‘14) out of the total portfolio. I currently contribute 70% G and 30% F. Fwiw, this is what guides my G:F ratio. I've read so much about this topic that my head spins, so just going with the same ratio as the Lifecycle fund is a...
by hoppy08520
Sat Oct 25, 2014 8:06 am
 
Forum: Investing - Help with Personal Investments
Topic: My TSP G Fund is not Enough! What other Bonds?
Replies: 20
Views: 2152

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 9:11 pm
 
Forum: Investing - Theory, News & General
Topic: Why do Engineers Think They’ll Be Good at Picking Stocks?
Replies: 135
Views: 10627

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 12:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: "I've had it" at work - how often
Replies: 151
Views: 12629

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 7:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is semi-retirement a bad idea?
Replies: 106
Views: 7588

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 10:46 am
 
Forum: Investing - Help with Personal Investments
Topic: International Funds
Replies: 6
Views: 923

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 10:24 am
 
Forum: Investing - Theory, News & General
Topic: Spreadsheet for Rebalancing Bands
Replies: 18
Views: 1985

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 5:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Regular Transfering to own IRA
Replies: 10
Views: 780

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 3:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is semi-retirement a bad idea?
Replies: 106
Views: 7588

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 7:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: New 401k: S&P index fund is the cheapest - just buy it only?
Replies: 5
Views: 751

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 7:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Regular Transfering to own IRA
Replies: 10
Views: 780

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 5:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Desired Asset Allocation
Replies: 4
Views: 432

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 5:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is semi-retirement a bad idea?
Replies: 106
Views: 7588
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