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Re: Improving the TSP [for current participants]

At its November 2014 meeting, the FRTIB approved a mutual fund window ("MFW") concept for the TSP. Here are links to: (1) the FRTIB's minutes on this topic ( see item 5.b.); (2) the memo from the TSP's Executive Director recommending a MFW; and (3) his accompanying PowerPoint presentation...
by hoppy08520
Thu Dec 18, 2014 1:21 pm
 
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 44
Views: 5667

Re: Stronger protection against personal lawsuits

I live in Arizona and expect to stay here. I don't know how accurate this or up-to-date this is, but you might want to take a look. State Asset Protection Statutes for Life Insurance, Annuities and IRAs For Arizona: Any money or other assets in an IRA are exempt unless contributed to the IRA within...
by hoppy08520
Tue Dec 16, 2014 10:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Stronger protection against personal lawsuits
Replies: 12
Views: 1779

Re: Stronger protection against personal lawsuits

If you keep your money in 401(k) accounts, can you still do the Roth conversion, i.e., convert your money from 401(k) accounts to Roth accounts? Some 401(k) plans now offer in-service conversion from traditional 401(k) to Roth 401(k). IRS permits it but plans don't have to offer the option. To the ...
by hoppy08520
Tue Dec 16, 2014 10:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Stronger protection against personal lawsuits
Replies: 12
Views: 1779

Re: Stronger protection against personal lawsuits

If you keep your money in 401(k) accounts, can you still do the Roth conversion, i.e., convert your money from 401(k) accounts to Roth accounts? Some 401(k) plans now offer in-service conversion from traditional 401(k) to Roth 401(k). IRS permits it but plans don't have to offer the option. To the ...
by hoppy08520
Mon Dec 15, 2014 11:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Stronger protection against personal lawsuits
Replies: 12
Views: 1779

Re: How FINRA saved my Grandma's bacon

therub, what a wonderful grandson you are! I don't have much to add except good for you and thanks for taking down that snake.
by hoppy08520
Mon Dec 15, 2014 4:53 pm
 
Forum: Investing - Theory, News & General
Topic: How FINRA saved my Grandma's bacon
Replies: 21
Views: 1999

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

motorcyclesarecool, welcome to Bogleheads. For an "unsophisticated" investor, I might encourage rolling the Roth 401(k) into the Roth TSP if for no other reason to keep it simple and avoid the complexity of too many accounts and too many options, and also to keep that money out of the hand...
by hoppy08520
Mon Dec 15, 2014 3:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rollover Roth 401(k) to Roth IRA or TSP? Gut Check
Replies: 10
Views: 905

Re: After-tax 401(k) contribution?

See "after tax 401k" page in wiki
by hoppy08520
Sun Dec 14, 2014 4:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: After-tax 401(k) contribution?
Replies: 5
Views: 351

Re: 6 years into career, finally time to address the unavoid

• Regarding a Traditional IRA, how do the deposits occur? Since it’s pre-tax money, if my employer is not sending the pre-tax contributions from my paycheck, anything I put in from my bank will be after-tax moneys from my bank account. If we’re in the 25% income bracket for MFJ, I believe what I re...
by hoppy08520
Sun Dec 14, 2014 2:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: 6 years into career, finally time to address the unavoidable
Replies: 28
Views: 4566

Re: 6 years into career, finally time to address the unavoid

Traditional 401(k) contributions lower your AGI, but IRA contributions do not. When you're within the child tax credit phaseout, that's like an extra 5% marginal tax. If you meant Roth IRA contributions don't lower AGI, then you are correct. But a traditional deductible IRA contribution does count....
by hoppy08520
Sun Dec 14, 2014 10:56 am
 
Forum: Investing - Help with Personal Investments
Topic: 6 years into career, finally time to address the unavoidable
Replies: 28
Views: 4566

Re: 6 years into career, finally time to address the unavoid

I'm not sure if it's understood already that you can put additional funds into your spouse's Roth IRA for additional tax advantaged space. For 2014, that would be 5,500 for yourself and 5,500 for your spouse. I'll follow up on this point to suggest that you consider a Traditional IRA contribution i...
by hoppy08520
Sun Dec 14, 2014 9:54 am
 
Forum: Investing - Help with Personal Investments
Topic: 6 years into career, finally time to address the unavoidable
Replies: 28
Views: 4566

Re: investing advice

Welcome to Bogleheads. It's hard to give much advice without knowing a little more context, but here are a few observations: ⋅  You're 100% in stocks. Most would advise a mix of stock funds and bond funds to temper the risk and volatility of stocks. ⋅  That being said, for a 100%...
by hoppy08520
Sat Dec 13, 2014 12:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: investing advice
Replies: 3
Views: 417

Re: Equal weight ETF (Guggenheim's RSP) vs Vanguard VTI???

Equal-weight funds have been discussed here a lot, probably more in the "News, Theory & General" forum. I can't understand the appeal of equal-weight funds. They feel gimmicky to me. I'm not sure why I would want to hold an equal share of Apple, with a market cap: $643B, as Denbury Res...
by hoppy08520
Sat Dec 13, 2014 10:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Equal weight ETF (Guggenheim's RSP) vs Vanguard VTI???
Replies: 19
Views: 1759

Re: Question on rolling over a tIRA to a 401K

Ready3Retire, I'll be the first to admit that I'm not an expert on this, but from what I've read, 401(k) plans are required (?) to keep pre-tax money and after-tax money (if the 401(k) even chooses to offer that option) in separate sub-accounts. This is why your 401(k) custodian is looking for verif...
by hoppy08520
Sat Dec 13, 2014 10:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Question on rolling over a tIRA to a 401K
Replies: 1
Views: 314

Re: What would you change about your retirement plan at work

I'm fairly happy with my 401(k) retirement plan at work. Highlights: ⋅ T. Rowe Price is the custodian. ⋅ Company matches up to 3.5% of salary (if you contribute 7% of your salary, so it's a 50% match). ⋅ Company match vests immediately. I like this because I'm a HCE and...
by hoppy08520
Fri Dec 12, 2014 5:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: What would you change about your retirement plan at work?
Replies: 23
Views: 1423

Re: Thrift Savings Plan vs Roth TSP

I think a Roth TSP makes a lot of sense for you. Fwiw if you have another 401k you can roll that into the TSP (regular, not Roth). One addendum to the above, you can roll a Roth 401(k) plan into the Roth TSP, in the unlikely event that you had a Roth 401(k) from prior employment and haven't already...
by hoppy08520
Wed Dec 10, 2014 1:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thrift Savings Plan vs Roth TSP
Replies: 11
Views: 1302

Re: FT Article: Vanguard turns firepower on...

Thanks for the link. I have been meaning to register on the FT mobile site but like many other things just procrastinated, this gave me incentive, now can get free copies of up to 8 articles each month. Seems like nice mobile site. If you go "incognito" mode then you might be able to read...
by hoppy08520
Mon Dec 08, 2014 5:30 pm
 
Forum: Investing - Theory, News & General
Topic: FT Article: Vanguard turns firepower on...
Replies: 3
Views: 1303

Re: Edward Jones Advisory Solutions account

Does any one MF have all of the best investment ideas? Vanguard is a great place to put some of your money, but there are plenty of actively managed MF that are a wonderful compliment...especially in a down market. If you own a Vanguard S&P 500 fund and the S&P 500 goes up 30% then you did ...
by hoppy08520
Tue Dec 02, 2014 8:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Edward Jones Advisory Solutions account
Replies: 68
Views: 15810

Re: Ever wake up one day, and your whole life has changed? (

Gimp, I'm sorry to hear of your injuries. I don't really have any personal finance advice but I feel bad you haven't gotten more replies. I suspect your thread subject is intimidating people. I'll suggest you retitle your OP something like "disabled veteran needs investing advice" or simil...
by hoppy08520
Fri Nov 28, 2014 7:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: [woke up] and whole life has changed. [disabled vet]
Replies: 26
Views: 6780

Re: Bogle puts a bow on it in under 15 minutes

QQQQ wrote:...I've always tried hard to listen to all the advisors I've talked to in the past many yrs. I always asked questions. Thing I do not understand is why not one of them ever advised BH investing approach.

Easy answer: If you invest like a Boglehead, then they don't get paid.
by hoppy08520
Thu Nov 27, 2014 9:29 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle puts a bow on it in under 15 minutes
Replies: 21
Views: 4376

Re: Girlfriend with a LOT of Student debt.

Dear OP, man, I really sympathize with you. Sorry for the crude and imperfect analogy but I feel like crushing student loan debt is becoming this generation's leprosy. I hate to say this but unless she sees her debt as an emergency , I'd consider looking for another fish in the sea. Yeah, it sounds ...
by hoppy08520
Mon Nov 24, 2014 5:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Girlfriend with a LOT of Student debt.
Replies: 166
Views: 13611

Re: Freakonomics approach to 401(k) choices

Welcome to Bogleheads. Skepticism and investigating will help you with investing so don't stop. Look at what else is in the 2055 fund. Try to figure out how much of the 2055 fund is duplicated by the 500-index. Look at historical returns of the other components of the 2055 fund. Then you'll see that...
by hoppy08520
Sun Nov 23, 2014 4:38 pm
 
Forum: Investing - Theory, News & General
Topic: Freakonomics approach to 401(k) choices
Replies: 27
Views: 2668

Re: TSP G-Fund: Is this the only fixed-income component I ne

I'm a fellow TSP participant and I too have pondered the "right" amount of G Fund to hold. If you read any of the many past threads here on this topic, there are a range of opinions. Some will suggest that all of your FI allocation can be G Fund, others propose a mix, and a small few say n...
by hoppy08520
Sun Nov 23, 2014 12:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: TSP G-Fund: Is this the only fixed-income component I need?
Replies: 6
Views: 689

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: 329

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: 1747

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: 569

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: 424

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: 386

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: 285

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: 1369

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: 794

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: 1369

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: 5701

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: 794

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: 2128

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: 774

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: 1405

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: 669

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: 31501

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: 31501

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: 31501

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: 31501

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: 2812

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: 2812

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: 2812

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: 268

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: 2589

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: 902

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: 4666

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: 1920
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