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Re: What to do with 401K portfolio moving from TSP Gov

Why do you want to leave the tsp? Do you have other investments? At a 4% safe withdrawal rate, that's $10K per year, so you should be ok. I just wouldn't be so quick to leave the tsp.
by hoppy08520
Sat Aug 30, 2014 11:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with 401K portfolio moving from TSP Gov
Replies: 13
Views: 640

Re: HSA pre-tax contribution rules

I see. I recommend talking to HR/payroll. Hopefully they can make this happen. I think this is probably more of an internal HR issue and not necessarily a HSA issue. If HR says they can't do it, then you can still make a contribution and deduct it from your taxable income. Only drawback to doing so ...
by hoppy08520
Sat Aug 30, 2014 10:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA pre-tax contribution rules
Replies: 12
Views: 783

Re: HSA pre-tax contribution rules

The IRS doesn't care and I doubt most custodians care, but your HR/payroll system might not offer that option. Most regular employees will probably want regular even contributions so the systems don't offer other options. I recommend talking to your HR. There might be a way to do this. But they'll p...
by hoppy08520
Sat Aug 30, 2014 9:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA pre-tax contribution rules
Replies: 12
Views: 783

Re: Autopilot Investments Broken and I am Confused

autopilotcrashing, welcome to Bogleheads. I like your username. Hopefully with a little knowledge you can start flying in the right direction. Before any recommendations, a few questions first. 1. Are you comfortable being 88% stock, 12% bonds, at age 43? Many here would call that a bit aggressive a...
by hoppy08520
Sat Aug 30, 2014 5:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Autopilot Investments Broken and I am Confused
Replies: 11
Views: 1161

Re: Please Advice This Portfolio

minhnusa, to answer your first question, it's quite common for a couple to amass a number of different retirement accounts over the years, some of which you might not be able to (or want to) contribute to at a particular time. Generally, to keep your overall AA in balance, it often works best if you...
by hoppy08520
Sat Aug 30, 2014 4:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please Advice This Portfolio
Replies: 2
Views: 407

Re: The Power of Zero: Controversial New Book About Taxes

Joe, regarding your own scenario, you look like the perfect candidate for traditional 401(k) contributions, not Roth. If you retire early at age 52, you'll have 18 (!) years before Social Security (assuming you start at age 70) and RMD during which you can do Roth conversions at no/low taxes due to ...
by hoppy08520
Fri Aug 29, 2014 10:12 pm
 
Forum: Investing - Theory, News & General
Topic: The Power of Zero: [Book and tax planning for retirement]
Replies: 51
Views: 4431

Re: My husband's " WILL", $ left for me to live on....

I'll just add that it appears that the OP's husband has been spending joint (marital) income over the last decade to pay down mortgages on properties with his name only on the deed, thus making the OP essentially partial owner of those properties. So I don't see how the husband can include jointly ...
by hoppy08520
Fri Aug 29, 2014 8:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 258
Views: 16660

Re: The Power of Zero: Controversial New Book About Taxes

Yawn. Follow the money. This book is a veiled advertisement for the author's insurance products. It's all a setup to strike fear in people so they'll buy his garbage. Just read this below from an insurance industry website. It's a pitch to insurance sales people to sign up for David McKnight's progr...
by hoppy08520
Fri Aug 29, 2014 7:16 pm
 
Forum: Investing - Theory, News & General
Topic: The Power of Zero: [Book and tax planning for retirement]
Replies: 51
Views: 4431

Re: pay health bill from HSA or from checking?

I think though you're overstating the risks for a married couple. Accidents happen but they aren't the most common cause of death as we age. Typically we become ill, and eventually die. Being ill incurs medical bills. You, or your surviving spouse, can spend down the HSA at that time. Then the surv...
by hoppy08520
Fri Aug 29, 2014 6:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: pay health bill from HSA or from checking?
Replies: 70
Views: 3601

Re: pay health bill from HSA or from checking?

Here is the real case of poor estate planning - should you die with a huge HSA and no spouse to inherit it, the complete sum is distributed to the heir and 100% ordinary income tax is due on it - surely wiping out in one fell swoop 30% of your HSA. Had you put the money in a taxable account, it wou...
by hoppy08520
Fri Aug 29, 2014 11:49 am
 
Forum: Personal Finance (Not Investing)
Topic: pay health bill from HSA or from checking?
Replies: 70
Views: 3601

Re: Help - 401k Plan at Work Switching From Fidelity to JH

To the OP, there is a wiki page on John Hancock funds: John Hancock Funds.

As mhalley wrote, there's a lot of variation. I've seen a lot of JH plans posted here and they all have different lineups and costs.
by hoppy08520
Thu Aug 28, 2014 7:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help - 401k Plan at Work Switching From Fidelity to JH
Replies: 11
Views: 814

Re: Total International Bond Index Fund

I just don't know anymore. Vanguard is really marketing this fund. The fund assets are over $25 BILLION now and going to pass the Intermediate Term TIPS fund soon. I expect this fund to become the second largest Vanguard bond fund very soon. I suspect a large share of the fund's assets have to do w...
by hoppy08520
Wed Aug 27, 2014 9:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total International Bond Index Fund
Replies: 36
Views: 2641

Re: How I beat Indexing... in 1 hour

SuperSaver, congrats on your hot hand, but remember that over time, the house always wins.
by hoppy08520
Wed Aug 27, 2014 9:25 pm
 
Forum: Investing - Theory, News & General
Topic: How I beat Indexing... in 1 hour
Replies: 53
Views: 7040

Re: 401(k) poll - lawyer/oil and gas worker/airline employee

This article doesn't make sense. It's not comparing the employer benefits, it's simply comparing the average 401K balance and then theorizing that the higher the balance means it must be better. Notice it narrows the employee base of law firms to partners and airlines to pilots. Of course those hig...
by hoppy08520
Wed Aug 27, 2014 6:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: 401(k) poll - lawyer/oil and gas worker/airline employee?
Replies: 29
Views: 1729

Re: 401(k) poll - lawyer/oil and gas worker/airline employee

Tech (computer software) industry. Employee count around 300. AUM - not sure but I'll guess $20M. 401(k) custodian: T. Rowe Price Fees: Participants pay a flat 0.25% fee on balances PLUS fund expenses. Best funds: most Fidelity Spartan index funds. 500-index and Extended Market at 0.1% ER, making th...
by hoppy08520
Wed Aug 27, 2014 10:55 am
 
Forum: Personal Finance (Not Investing)
Topic: 401(k) poll - lawyer/oil and gas worker/airline employee?
Replies: 29
Views: 1729

Re: Total International Bond Index Fund

AlwaysSkeptical, welcome to Bogleheads. With the debut of the international bond fund earlier this year, Vanguard's all-in-one funds (LifeStrategy and Target Retirement Date) have 20% of bonds in the international bond fund, and this is now part of Vanguard's "company line" with regard to ...
by hoppy08520
Tue Aug 26, 2014 9:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Total International Bond Index Fund
Replies: 36
Views: 2641

Re: Total world stock or diversification

I don't know the answer, but it is easier to keep track of the foreign tax credit by using separate funds? Also, is tax loss harvesting (or tax gain harvesting) easier with single funds? Plus the expense ratios of the single funds are lower than VT's ER.
by hoppy08520
Tue Aug 26, 2014 9:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Total world stock or diversification
Replies: 3
Views: 419

Re: My Portfolio, Simplicity vs Expense Ratio Optimization

aj44, I would agree with Taylor. Having seen many portfolios here at Bogleheads, there are time when it might make sense to do some contortions to achieve lower fees. But I don't think your scenario follows that pattern because both you and your wife have great 401(k)/TSP plans. If one or the other ...
by hoppy08520
Mon Aug 25, 2014 7:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: My Portfolio, Simplicity vs Expense Ratio Optimization
Replies: 7
Views: 981

Re: Buy & Hold Forever Blue Chip Stocks???

InvestorNewb wrote:^ You may want to post the above in a new thread.

Actually, he did here: Portfolio Help from Newbie but this thread's subject is like chum for Bogleheads so his other thread might not get as much visibility.
by hoppy08520
Mon Aug 25, 2014 7:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buy & Hold Forever Blue Chip Stocks???
Replies: 73
Views: 3800

Re: Portfolio review - input needed please

Breaking this down, I see: ⋅  90% stock, 10% bonds/cash ⋅  Within stocks, 50/50 US/International ⋅  Within US stock, an interesting allocation compared to what I see here. You have a base of TSM with an overweight to mid-cap. ⋅  Within international, I see 44%...
by hoppy08520
Mon Aug 25, 2014 12:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review - input needed please
Replies: 8
Views: 636

Re: Early MidlLife Portfolio Crisis! Taxable Account

SuperSaver, welcome to Bogleheads. Question: do you have an IRA? Is your income above the Roth IRA phaseout? I'd contribute $5,500 to an IRA first, and then anything you have left over contribute to a taxable account.
by hoppy08520
Sun Aug 24, 2014 2:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help from Newbie
Replies: 7
Views: 1028

Re: Reaching some milestones, need help making a decision

I was going to reply in the morning but had to head out of the house. I was going to suggest 50% to short/near-term needs and 50% to increasing your TSP contributions. Now that I've come back to the thread, I see a few others have said the same thing. Then if/when you get your next raise, see if you...
by hoppy08520
Sun Aug 24, 2014 2:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reaching some milestones, need help making a decision
Replies: 7
Views: 1196

Re: Help with AA for 25 year old

While I agree with truebluesky and gvsucavie03 in theory, and if I were the investor I'd set my my portfolio that way to use the Spartan index funds, but I would caution recommending that to someone I don't know. Unless she understands the why and how, having a portfolio like that might just be conf...
by hoppy08520
Sun Aug 24, 2014 10:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with AA for 25 year old
Replies: 11
Views: 518

Re: Asset Allocation in Vanguard LifeStrategy Funds

I believe the Target Date funds have the same proportions as the LifeStrategy funds, other than the Income fund which adds a TIPS fund into the mix. Also, there are frequent posts from people who get Vanguard's "Ask a CFP" advice and ask for feedback, and it seems that Vanguard's CFPs read...
by hoppy08520
Sat Aug 23, 2014 8:50 pm
 
Forum: Investing - Theory, News & General
Topic: Asset Allocation in Vanguard LifeStrategy Funds
Replies: 8
Views: 1303

Re: new to investing - please help with re-balancing retirem

Hello and welcome to Bogleheads. I am currently 100% in VALIC FIXED-INTEREST funds. I would like to balance it with approximately 40% bonds and 60% stocks (preferably US and international stock index funds). Please help me on how I can balance my Valic portfolio. I have to say, this sets off red fla...
by hoppy08520
Sat Aug 23, 2014 12:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: new to investing - please help with re-balancing retirement
Replies: 4
Views: 378

Re: 401k ER Reduction / Bond Funds

Is there another Vanguard bond fund(s) that would be preferred over Total Bond Market Index? I'd say it depends on what you're looking for and what your aim is for the fund and its role in your overall portfolio. One should not look at a fund in isolation but how it fits into your overall portfolio...
by hoppy08520
Sat Aug 23, 2014 12:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k ER Reduction / Bond Funds
Replies: 11
Views: 921

Re: 401k ER Reduction / Bond Funds

Looks good to me.
by hoppy08520
Sat Aug 23, 2014 10:27 am
 
Forum: Investing - Help with Personal Investments
Topic: 401k ER Reduction / Bond Funds
Replies: 11
Views: 921

Re: Spouse not ready to cut ties with financial advisers

It seems one of the job descriptions of "financial advisor" is "play poker with clients". Or take them on a boat ride. Your advisors' poker games with your husband reminded me of a thread from earlier this year about another poker buddy financial advisor: It was tough breaking up...
by hoppy08520
Sat Aug 23, 2014 8:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Spouse not ready to cut ties with financial advisers
Replies: 112
Views: 8718

Re: New Investor- Am I making sound investments?

Megan, welcome to Bogleheads. It looks like you're off to a good start. I can see rolling over your old 401(k) into an IRA as the other responder wrote, and put it in Target Date 2050. If you have more to invest right now, then I'd recommend a mix of Vanguard Total Stock and Vanguard Total Internati...
by hoppy08520
Wed Aug 20, 2014 9:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Investor- Am I making sound investments?
Replies: 22
Views: 2566

Re: How the rich stay/get richer??

I don't think this has anything to do with dividends or principal per se. What you're describing is just anther entry in the total return vs dividend investing debate. See Larry Swedore's column: Dividends And Behavioral Econ Yes, I remember that article and I understand that when dividends are pai...
by hoppy08520
Tue Aug 19, 2014 10:31 pm
 
Forum: Investing - Theory, News & General
Topic: [live off dividends?] How the rich stay/get richer??
Replies: 62
Views: 4927

Re: How the rich stay/get richer??

I don't think this has anything to do with dividends or principal per se. What you're describing is just anther entry in the total return vs dividend investing debate.

See Larry Swedore's column: Dividends And Behavioral Econ
by hoppy08520
Tue Aug 19, 2014 9:59 pm
 
Forum: Investing - Theory, News & General
Topic: [live off dividends?] How the rich stay/get richer??
Replies: 62
Views: 4927

Re: Bad(?) advice given about Target Date Retirement funds

Currently, the wiki page on TDF says this: When choosing a fund, the Bogleheads recommendation is to ignore the fund's date. Instead, determine the amount of risk the investor is willing to tolerate and work backwards to find a fund that matches the chosen stock/bond allocation. The investor may be ...
by hoppy08520
Tue Aug 19, 2014 9:38 pm
 
Forum: Investing - Theory, News & General
Topic: Bad(?) advice given about Target Date Retirement funds
Replies: 103
Views: 6368

Re: Bad(?) advice given about Target Date Retirement funds

Here's a column I did for M* back in 2009 on this very topic called "Fixing Target Date Funds". http://news.morningstar.com/articlenet/article.aspx?postId=2686718 Thanks for sharing that article, Mel. I don't remember having read it when it came out. I like your suggestions. I couldn't re...
by hoppy08520
Tue Aug 19, 2014 9:20 pm
 
Forum: Investing - Theory, News & General
Topic: Bad(?) advice given about Target Date Retirement funds
Replies: 103
Views: 6368

Re: 100% lifestrategy - good idea for a hands-off investor?

Slinky, welcome to Bogleheads and thanks for a memorable first post. I'm not familiar with the blog but the screen cap gave me a chuckle. No <blink> blinking font </blink> ? The nice thing about that blog is that you never have to update the narrative part as the advice still holds -- the blog is al...
by hoppy08520
Tue Aug 19, 2014 8:26 am
 
Forum: Investing - Help with Personal Investments
Topic: 100% lifestrategy - good idea for a hands-off investor?
Replies: 28
Views: 3296

Re: Has indexing gotten too big?

Has indexing reached a tipping point in popularity? First, let's understand how big indexing is today. The most common comparison is the number of passive versus active mutual funds. As of year-end 2013, index funds and ETFs constituted 35% of equity and 17% of fixed income open-end funds. That see...
by hoppy08520
Tue Aug 19, 2014 8:23 am
 
Forum: Investing - Theory, News & General
Topic: Has indexing gotten too big?
Replies: 10
Views: 1711

Re: Has indexing gotten too big?

Index funds constituted 14% and 3% of equity and fixed income funds, respectively, in market-capitalization terms. I read somewhere that only around 25% of stocks are held in funds, with the rest of stocks being directly held (not sure if this is still accurate). Thus only around 3.5% of stocks are...
by hoppy08520
Mon Aug 18, 2014 8:39 pm
 
Forum: Investing - Theory, News & General
Topic: Has indexing gotten too big?
Replies: 10
Views: 1711

Re: Exchange VG TR 2040 for VG LS Growth?

TVKNSC, I don't see any problems or issues with your proposal. The LifeStrategy funds have the same underlying funds as the TD funds, just different stock/bond percentages, so your proposed change is not really all that dramatic, just dialing back the stock portion from 90% to 80%. While I think an ...
by hoppy08520
Mon Aug 18, 2014 4:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Exchange VG TR 2040 for VG LS Growth?
Replies: 2
Views: 191

Re: Helping widowed mother with finances

His Life Insurance : $50k individual life insurance policy. She has the option of getting a lump sum check or having the money put into an account earning 3% interest . For the insurance policies, I'd opt for getting the cash and sticking it in a high-yield savings account (e.g., Synchrony Bank) fo...
by hoppy08520
Mon Aug 18, 2014 8:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Helping widowed mother with finances
Replies: 8
Views: 702

Re: Helping widowed mother with finances

Hello, and I'm sorry for your loss. Hello all! My father passed away a few weeks ago, and as a Boglehead-in-training, I'm trying to help my mom sort out the finances and get everything in order so she's set in the future. I'm hoping you all can help me create a plan for her - investing for my 27yo s...
by hoppy08520
Sun Aug 17, 2014 9:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Helping widowed mother with finances
Replies: 8
Views: 702

Re: Help with Rollover and Conversion

I have limited assets as well as limited exposure to liability (I think), so besides the asset protection aspect of creating a separate "rollover ira", is there any reason to follow the multi-step plan as opposed to just getting vanguard to help with a "simultaneous" rollover/co...
by hoppy08520
Sun Aug 17, 2014 5:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Rollover and Conversion
Replies: 4
Views: 300

Re: Help with Rollover and Conversion

Hello and welcome to the forum. If your end goal is to get all these assets into a Roth IRA at Vanguard, then my recommendation is to call Vanguard and have them walk you through the logistics of transfers and conversions. In particular, you'll want to be careful about the 403(b) that has some in Ro...
by hoppy08520
Sun Aug 17, 2014 11:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with Rollover and Conversion
Replies: 4
Views: 300

Re: Help selecting a bond fund from my 401k

It looks like the more expensive 401(k) plan (labelled #2 in your OP and #1 in your followup post) is your more expensive one, and fortunately is the far smaller one relative to the other 401(k) account. Moreover, the 2nd-cheapest funds in the expensive 401(k) account are "only" ~0.25% mor...
by hoppy08520
Sat Aug 16, 2014 7:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help selecting a bond fund from my 401k
Replies: 5
Views: 692

Re: Florida Retirement System Pension vs. Investment Option

I may be alarmist or irresponsible but I just wouldn't put too much faith in a government pension 30 - 50 years from now. Granted, Florida seems to have one of the better-run pension systems (at least according to this: http://www.governing.com/gov-data/state-pension-funds-retirement-systems-unfunde...
by hoppy08520
Sat Aug 16, 2014 1:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Florida Retirement System Pension vs. Investment Option
Replies: 8
Views: 707

Re: LifeStrategy description goof in "Get a Recommendation"

In a round about way, I find the mistake almost endearing. Here you've got a company managing $3 trillion and they can't seem to keep their website marketing copy up to date. They also are criticized from time to time for not having the most polished or functional online account and fund management ...
by hoppy08520
Sat Aug 16, 2014 12:39 pm
 
Forum: Investing - Theory, News & General
Topic: LifeStrategy description goof in "Get a Recommendation"
Replies: 5
Views: 640

Re: Help selecting a bond fund from my 401k

I'm having a hard time following this. Is there an editing mistake that mixes up account 1 and account 2? Could you lay out your proposed options (1, 2, 3) showing the actual proposed allocations?
by hoppy08520
Sat Aug 16, 2014 12:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help selecting a bond fund from my 401k
Replies: 5
Views: 692

Re: 100% lifestrategy - good idea for a hands-off investor?

FWIW, I helped a friend roll over a sizable 401(k) into a LifeStrategy fund. As nisiprius said, I think LifeStrategy X is good for just about any tax-advantaged account, but the investor with the $ should decide which flavor (growth, moderate growth, etc.). Only other consideration is whether this i...
by hoppy08520
Sat Aug 16, 2014 11:59 am
 
Forum: Investing - Help with Personal Investments
Topic: 100% lifestrategy - good idea for a hands-off investor?
Replies: 28
Views: 3296

Re: [Poll] How I Feel When I Think about Investing, etc.

So I'm hoping my vote will change over time. In a nutshell, I'm am so not liking this!! Full disclosure: I am very new to this. I do enjoy this website so I'm hoping I stick with it. 1) why do the powers to be make it so darn hard to understand. Really. I don't think I am a stupid gal but I've trie...
by hoppy08520
Fri Aug 15, 2014 6:33 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] How I Feel When I Think about Investing, etc.
Replies: 36
Views: 2364

Re: [Poll] How I Feel When I Think about Investing, etc.

If I had taken this poll three or four years ago, before I discovered passive investing and Bogleheads, then my answer would have been "Generally increases my stress levels and I do not enjoy it". Back then, I found investing stressful and full of anxiety because I didn't quite know what I...
by hoppy08520
Fri Aug 15, 2014 12:17 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] How I Feel When I Think about Investing, etc.
Replies: 36
Views: 2364
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