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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: 1250

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: 106
Views: 4993

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: 546

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: 20
Views: 1912

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: 419

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: 280

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: 546

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: 976

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: 172
Views: 12268

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: 250

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: 491

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: 604

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: 72
Views: 4488

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: 730

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: 499

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: 935

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: 703

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: 328

Re: Help! Ive been put on a performance improvement plan!

...Im a low-level manager with about a year of experience... I have 40-50 employees spread throughout a region ... Mill, I also read in another post that you're in your early 30s, so not only are you a new manager but you're also fairly young. It's striking to me that a company would give a new man...
by hoppy08520
Thu Feb 26, 2015 8:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help! Ive been put on a performance improvement plan!
Replies: 66
Views: 8436

Re: HSA: spend or invest?

Easy Rhino wrote:hoppy, I like how you say unless you're not maxing out tax-advantaged... because only on Bogleheads would it be unusual to not max out tax-advantaged. :wink:

Well, there are definitely a LOT of unusual people and conversations in this website :happy
by hoppy08520
Thu Feb 26, 2015 7:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA: spend or invest?
Replies: 20
Views: 1912

Re: 401 Portfolio Advice

A lot of 401(k) plans auto-enroll new participants in an age-appropriate target date fund. Don't feel like you have to keep it. The reason I suggested dropping the target date fund is not that there's anything wrong with holding it, but if you're looking for a precise asset allocation, then having t...
by hoppy08520
Thu Feb 26, 2015 7:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401 Portfolio Advice
Replies: 3
Views: 190

Re: 401k & Roth Three Fund Portfolio Approach

Welcome to Bogleheads. Generally, it's not too important which funds are in which accounts, as long as the combined overall portfolio has your desired asset allocation. You don't necessarily need to replicate your AA in each and every account. In fact, sometimes that can make portfolio management mo...
by hoppy08520
Thu Feb 26, 2015 7:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k & Roth Three Fund Portfolio Approach
Replies: 1
Views: 205

Re: 401 Portfolio Advice

Here it is as an embedded image: http://i.imgur.com/HbHe33S.png Generally, if you use a target date or lifecycle fund, then you should use just that as it makes figuring out and dialing in your asset allocation more complicated. Given that you're going 50% in target retirement, and 50% in other fund...
by hoppy08520
Thu Feb 26, 2015 7:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401 Portfolio Advice
Replies: 3
Views: 190

Re: HSA: spend or invest?

Welcome to Bogleheads.

The consensus here is that if you have an HSA, then it's a good idea to use it like a quasi-IRA investment account unless you're not maxing out your tax-advantaged accounts. See Health savings account - Bogleheads wiki for more
by hoppy08520
Thu Feb 26, 2015 7:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA: spend or invest?
Replies: 20
Views: 1912

Re: DCA versus LSI again [Dollar Cost Average Vs. Lump Sum]

Hello and welcome to Bogleheads. This page might help: https://www.bogleheads.org/wiki/Dollar_cost_averaging One thought is when you owned your home as a significant portion of your total net worth (half), the value of your home was in a safe, bond-like asset, and you were comfortable with that. Now...
by hoppy08520
Thu Feb 26, 2015 5:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: DCA versus LSI again [Dollar Cost Average Vs. Lump Sum]
Replies: 4
Views: 439

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

Hello and welcome to Bogleheads. Just two comments. First, at your AGI, you're eligible to make Roth IRA contributions, although at the 28% marginal tax rate (actually, based on the incomes you mentioned, you probably are in the 25% marginal tax bracket once you reduce your gross salary by deductibl...
by hoppy08520
Thu Feb 26, 2015 5:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rock-Paper-Scissors: EFund vs. IRA vs. Loan Debt
Replies: 15
Views: 730

Re: 401k rollover advice

Hello and welcome to Bogleheads.

The answer to your question depends on the 401(k) plan. Most plans allow you to transfer in old 401(k) plans or IRAs, but it depends on the plan. You'll need to check with your specific plan.
by hoppy08520
Thu Feb 26, 2015 4:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k rollover advice
Replies: 2
Views: 184

Re: Turning 40...Investment...Help Please

Hi, what are the fund options in the 403(b)? Also, for your assets in the IRA(s), where are these held? Are you able to make changes without penalties? Finally, what is the relative percentage of each of these account to your overall portfolio? The percentages should add up to 100%. This will help u...
by hoppy08520
Thu Feb 26, 2015 4:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Turning 40...Investment...Help Please
Replies: 19
Views: 2097

Re: Google likes this site

google knows where you've been on the internet and its search results reflect that. True, but try it in an incognito / private browsing window, or log out of your Google account and clear all cookies. Bogleheads forum is still #1. I was thinking the same thing too, but I tried it incognito and BH s...
by hoppy08520
Thu Feb 26, 2015 3:08 pm
 
Forum: Forum Issues and Administration
Topic: Google likes this site
Replies: 19
Views: 1082

Re: Changing 401(k) Plans, Need Help!!

Your plan to move the current 401k to a VG IRA is a good idea. Based on the expected options in the new 401k plan, I would also only use the S&P 500 fund going forward and hold your Bond allocation in the VG IRA. Agree with DGE. You're lucky you're getting to transfer out of the 401(k) during t...
by hoppy08520
Thu Feb 26, 2015 3:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Changing 401(k) Plans, Need Help!!
Replies: 10
Views: 435

Re: Vanguard Tot Intl and Emerging Markets just got cheaper

Avi, you might not have caught this, but the thread you just found and bumped was from a year ago, so that might explain the confusion.
by hoppy08520
Thu Feb 26, 2015 1:25 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Tot Intl and Emerging Markets just got cheaper
Replies: 56
Views: 6220

Re: Backdoor Roth IRA And No Retirement Plan At Work

I don't know about the non-USA issues, but generally the reason people like backdoor Roth IRA is because they are covered by an employer retirement plan so they can't make deductible or standard Roth IRA contributions. Since you're not covered by an employer plan, then you can make deductible tradit...
by hoppy08520
Thu Feb 26, 2015 12:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth IRA And No Retirement Plan At Work
Replies: 1
Views: 236

Re: 401(k) Rollover/Rollout Options During Merger/Acquisitio

Technically, per IRS rules, an employee under age 59.5 cannot do an "in service rollover" of the employee's contributions from an employer plan into an IRA (employer matching funds, and after-tax non-Roth contributions, are a different story). So as long as you're continuously employed, th...
by hoppy08520
Thu Feb 26, 2015 11:57 am
 
Forum: Investing - Help with Personal Investments
Topic: 401(k) Rollover/Rollout Options During Merger/Acquisition?
Replies: 6
Views: 420

Re: 401(k) Rollover/Rollout Options During Merger/Acquisitio

There might be a different answer for different situations, but my company held by VC was sold to a different VC and then my company was folded into a larger company that was held by the new VC and ceased to be a distinct company anymore. The employees of the old company were allowed to roll out the...
by hoppy08520
Wed Feb 25, 2015 9:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401(k) Rollover/Rollout Options During Merger/Acquisition?
Replies: 6
Views: 420

Re: Guidance/Advice on Investments

Also, since tax laws change so often, can you recommend a website that shares updated tax laws especially changes that impact investment strategies? Honestly, the site you're reading right now is probably the best I know of, at least for US-based investors. Tax laws don't typically change that ofte...
by hoppy08520
Sat Feb 21, 2015 12:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Guidance/Advice on Investments
Replies: 11
Views: 992

Re: Guidance/Advice on Investments

Peter, your revised plan looks great. One point: I also have another concern...a big part of my wants to cash out all my funds in my taxable account once I reach early retirement, 32-42 years old; I know this will mean that I'll be handing over like 30% of it to the government in the form of taxes b...
by hoppy08520
Fri Feb 20, 2015 9:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Guidance/Advice on Investments
Replies: 11
Views: 992

Re: Guidance/Advice on Investments

I think a nest egg of $750k is enough for me to survive on until my official retirement age of 65 at which I'll be able to withdraw from my 401k. The reason I said 0% international was because of a quote by Bogle along the lines that investing in international funds is not necessary. Furthermore, I...
by hoppy08520
Thu Feb 19, 2015 9:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Guidance/Advice on Investments
Replies: 11
Views: 992

Re: Guidance/Advice on Investments

I commend you for your altruism. First point to make is use traditional 401(k) not Roth 401(k). If you retire earlier you will have plenty of years to make Roth conversions at a low tax rate. That will give you more money to sustain your community service endeavors Thank you very much; I have been ...
by hoppy08520
Wed Feb 18, 2015 3:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Guidance/Advice on Investments
Replies: 11
Views: 992

Re: Guidance/Advice on Investments

Desired Asset allocation: 78% stocks / 22% bonds Desired International allocation: 0% of stocks I plan to have only two funds in my assets: Vanguard Total Stock Market Index Fund & Vanguard Total Bond Market Index Fund. (By the way, please do provide with any feedback/guidance/advice...I'll be ...
by hoppy08520
Wed Feb 18, 2015 8:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Guidance/Advice on Investments
Replies: 11
Views: 992

Re: 401k: reducing expenses with BlackRock funds + VIIX

The int'l fund does not contain emerging markets. If this is acceptable for your AA, your allocation looks correct. Are you sure about that? If this is the same index then it does have EM. https://www.msci.com/resources/factsheets/index_fact_sheet/msci-acwi-ex-usa-usd-net.pdf The MSCI ACWI ex USA I...
by hoppy08520
Wed Feb 18, 2015 7:48 am
 
Forum: Investing - Help with Personal Investments
Topic: 401k: reducing expenses with BlackRock funds + VIIX
Replies: 7
Views: 480

Re: Guidance/Advice on Investments

I commend you for your altruism. First point to make is use traditional 401(k) not Roth 401(k). If you retire earlier you will have plenty of years to make Roth conversions at a low tax rate. That will give you more money to sustain your community service endeavors
by hoppy08520
Tue Feb 17, 2015 10:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Guidance/Advice on Investments
Replies: 11
Views: 992

Re: Best Roth IRA Investment(s) to Pair with TSP L-Fund?

I think your idea of using a target date or LifeStrategy fund in the Roth IRA is a good one.
by hoppy08520
Tue Feb 17, 2015 9:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best Roth IRA Investment(s) to Pair with TSP L-Fund?
Replies: 9
Views: 420

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

rkhusky wrote:The minimum TSP account balance is $200, as stated earlier in the wiki page (first paragraph of Roth TSP section).

Thank you, I updated the wiki page accordingly. I mixed up the minimum partial withdrawal (which I do believe is $1,000) with the account minimum ($200).
by hoppy08520
Tue Feb 17, 2015 11:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Rollover Roth 401(k) to Roth IRA or TSP? Gut Check
Replies: 16
Views: 1588

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

FYI, if this wiki page is right, then there is a way to roll out just the Roth TSP portion of your TSP, into a Roth IRA: TSP withdrawals - Bogleheads Since the TSP allows a participant to transfer a Traditional IRA into the TSP, the participant can do a partial withdrawal from the TSP for nearly the...
by hoppy08520
Tue Feb 17, 2015 10:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Rollover Roth 401(k) to Roth IRA or TSP? Gut Check
Replies: 16
Views: 1588

Re: 401k fees. should wife max out 401k?

I was in a John Hancock plan too. JETSX at 0.73% ER (0.57 base + 0.25) hurts but it's not that uncommon compared to many plans. My plan was slightly worse -- we had a 0.35% admin fee. JETSX is a totsl stock market index fund. I'd contributr the max to that plan before investing in a taxable account....
by hoppy08520
Mon Feb 16, 2015 8:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k fees. should wife max out 401k?
Replies: 21
Views: 1117

Re: When would you retire money no object?

Dutch wrote:Today

Well, that didn't take long -- one minute after the starting post.

I'll second Dutch with another vote for "today".
by hoppy08520
Mon Feb 16, 2015 7:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: When would you retire money no object?
Replies: 64
Views: 3279

Re: donation receipts

walletless wrote:... unfortunately I don't have a printed receipt nor took photos of the item while donating :-(

Check your Facebook page -- or your wife's. There's bound to be a photo or two of Walletless Jr. in the stroller.
by hoppy08520
Mon Feb 16, 2015 4:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: donation receipts
Replies: 8
Views: 421

Re: Hybrid Investment Strategy for Bogleheads

Some funds drop in value -- and keep dropping. Go back and read "A Random Walk Down Wall Street". What you're proposing to do is the same thing that many thousands of well-paid Ivy League MBA'ers are doing for 60+ hours a week for all kinds of professional investing organizations. They hav...
by hoppy08520
Mon Feb 16, 2015 4:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hybrid Investment Strategy for Bogleheads
Replies: 20
Views: 1160

Re: How to Investing 250000 now?

Vicky, welcome to Bogleheads. Considering the markets are historically high, is this is the right time to invest in market or I could wait for market to adjust itself? The problem with answering this question is that no one knows if/when/how the market will adjust itself. Generally, over time, the s...
by hoppy08520
Mon Feb 16, 2015 4:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to Invest $250,000 now?
Replies: 10
Views: 1556
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