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Re: New Personal investment

Hello, welcome to Bogleheads. This is hard to answer with so little information. It's almost like someone asking what's a good career, or where's a good place to live, when you don't know that much about the person asking the question. I recommend reading this: https://www.bogleheads.org/wiki/Gettin...
by hoppy08520
Sat Apr 18, 2015 2:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Personal investment
Replies: 1
Views: 38

Re: Portfolio Help

Welcome to Bogleheads. 1. Where I currently have my Roth IRA, the expense ratios are outrageous now that I have looked into Vanguard. Does it make perfect sense to roll these funds over to Vanguard to take advantage of the significantly lower expense ratios? It is where I have parked my money since ...
by hoppy08520
Sat Apr 18, 2015 2:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help
Replies: 1
Views: 48

Re: Calculating expense ratio

(100,000 * 0.004) + (25000 * 0.0005) + (10000 * .0018) / 135000 = .0032 expense ratio? I know what you meant and you got the answer right, but I think you need brackets around the numerator to get it to work in a calculator: [ (100,000 * 0.004) + (25000 * 0.0005) + (10000 * .0018) ] / 135000 BTW th...
by hoppy08520
Sat Apr 18, 2015 11:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Calculating expense ratio
Replies: 6
Views: 361

Re: Confusion regarding Expense ratio

Don't assume the fund expense ratios are the only fees you pay -- many are paying more. Many 401(k) plans charge participants more than just the fund expense ratios. My 401(k) plan, for example, has Fidelity Spartan Index funds at the same retail expense ratio that an investor who buys these funds i...
by hoppy08520
Sat Apr 18, 2015 9:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Confusion regarding Expense ratio
Replies: 3
Views: 357

Re: Taking a 403b Distribution /damage done. Questions?

Hello and welcome to Bogleheads. I don't think there's really enough information in the question for anyone to answer.
by hoppy08520
Sat Apr 11, 2015 12:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taking a 403b Distribution /damage done. Questions?
Replies: 2
Views: 292

Re: Finishing grad school - need help with investments!

Hello and welcome to Bogleheads. From the looks of your portfolio, you've become a bit of a fund collector. Recommend paring down to core index funds. Most would recommend you not hold a LifeStrategy fund in taxable as it's more difficult to manage taxes. Instead hold TSM and TISM in taxable. Most w...
by hoppy08520
Sat Apr 11, 2015 12:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Finishing grad school - need help with investments!
Replies: 1
Views: 251

Re: 401k converting PIMCO Tot Return to Loomis Sayles - advi

It's a little awkward to keep track of your overall AA, but given the choices, I might consider doing this, using the Vanguard 2010 fund which is 63% bonds. Even better, if the plan has the Vanguard Target Retirement Income Fund (VTINX) fund, which is 70% bonds (of which some is total international ...
by hoppy08520
Sat Apr 11, 2015 10:35 am
 
Forum: Investing - Help with Personal Investments
Topic: 401k converting PIMCO Tot Return to Loomis Sayles - advice?
Replies: 13
Views: 1031

Re: 3 fund portfolio and early retirement

Generally, people recommend putting in your Roth accounts the asset classes with the highest expected returns, if practical and if all else is equal. That would suggest rejiggering things so that you have stock funds in the Roth IRAs, which would necessitate exchanging stock funds for bond funds in ...
by hoppy08520
Sat Apr 11, 2015 8:45 am
 
Forum: Investing - Help with Personal Investments
Topic: 3 fund portfolio and early retirement
Replies: 4
Views: 638

Re: Inherited IRA advice

Julyguy, wow, that last reply makes things a bit more complicated. I would say that now is the time to read and learn more. I'd start here: Getting started - Bogleheads wiki . Another page to look at is: Managing a windfall - Bogleheads wiki . Until you get things figured out and the estate is settl...
by hoppy08520
Sat Apr 11, 2015 8:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Inherited IRA advice
Replies: 12
Views: 1305

Re: 401k bond fund recommendation?

Here's a bit more on the BlackRock fund:

Bogleheads • View topic - Ticker Symbol for Black Rock US Debt T?

That fund is essentially the same as Vanguard's Total Bond Market Index Fund. Given those two choices, I'd go with the BlackRock fund.
by hoppy08520
Sat Apr 11, 2015 8:23 am
 
Forum: Investing - Help with Personal Investments
Topic: 401k bond fund recommendation?
Replies: 8
Views: 767

Re: Would you use your neighbor's son for yard service?

I hope you'll hire the kid. As others wrote, start small and go from there. I think they call this "temp-to-perm" in the business world. While we're all walking down memory lane, I will stroll with you. Back in the 1980's, as a teenager, I mowed the lawns for at least 5 or more neighbors, ...
by hoppy08520
Sat Apr 11, 2015 8:17 am
 
Forum: Personal Consumer Issues
Topic: Would you use your neighbor's son for yard service?
Replies: 33
Views: 2140

Re: Roth IRA Advice for College - Vanguard Fund Type

kazcaid wrote:I did not see the conservative option. All of them have a portion in stock or did I miss one?

If you're talking about this page:

The Vanguard 529 age-based options | Vanguard

then there's definitely a conservative option with 0% stocks.
by hoppy08520
Fri Apr 10, 2015 5:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA Advice for College - Vanguard Fund Type
Replies: 8
Views: 608

Re: Roth IRA Advice for College - Vanguard Fund Type

Those options are available if you are investing in a 529 plan but I will be using the Roth. Are there comparable funds outside the 529 plan? Should I use one of the Life Strategy funds or are their other options. kazcaid, you can replicate those options pretty closely with the LifeStrategy funds, ...
by hoppy08520
Fri Apr 10, 2015 3:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA Advice for College - Vanguard Fund Type
Replies: 8
Views: 608

Re: Inherited IRA advice

Julyguy, regarding asset allocation, before thinking about this fund or that fund, first think about what is the appropriate asset allocation (AA) for you. Once you have your AA down, then selecting the funds is easy. Looking through your posts, it seems you're working with the following holdings: $...
by hoppy08520
Fri Apr 10, 2015 2:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Inherited IRA advice
Replies: 12
Views: 1305

Re: Are there any taxable account (non 401k/IRA) I can utili

Do you know if your employer (or spouse's) offers the ability to do after-tax 401(k) contributions? What would be the advantage of an after tax 401k vs. a taxable account? Thank you for the post. Check out the linked article. You can roll your aftertax contributions into a Roth IRA. It's a way to e...
by hoppy08520
Fri Apr 10, 2015 1:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are there any taxable account (non 401k/IRA) I can utilize?
Replies: 11
Views: 747

Re: Roth IRA Advice for College - Vanguard Fund Type

I think Vanguard's guidance on this is as good as any: The Vanguard 529 age-based options | Vanguard For children of your age, Vanguard has 3 options: conservative, moderate or aggressive. The stock/bond splits for each of these, for that age, are: ⋅  Aggressive: 50/50 ⋅  Moderat...
by hoppy08520
Fri Apr 10, 2015 11:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA Advice for College - Vanguard Fund Type
Replies: 8
Views: 608

Re: Poll: 401k fees?

See this wiki page for suggestions on the tip-over point of when to invest in bad 401(k) vs a taxable account:

401(k) - Bogleheads
by hoppy08520
Fri Apr 10, 2015 9:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Poll: 401k fees?
Replies: 6
Views: 636

Re: Transferring From Taxable to Roth IRA

My earned income was approximately $2600 and change so that shouldn't be a problem correct? I forgot to mention this was with Vanguard, so just call them up and they should be able to recategorize it for me? No problem; call them right now... And do it fast because you only have 4 more business day...
by hoppy08520
Fri Apr 10, 2015 9:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Transferring From Taxable to Roth IRA
Replies: 6
Views: 424

Re: 3 Fund Vs Wealthfront suggested AA

I would search the Forum for Wealthfront. There have been a number of threads from others about Wealthfront's AA, as well as about Betterment, Personal Capital and other robo-advisors.
by hoppy08520
Fri Apr 10, 2015 9:51 am
 
Forum: Investing - Help with Personal Investments
Topic: 3 Fund Vs Wealthfront suggested AA
Replies: 11
Views: 1277

Re: Are there any taxable account (non 401k/IRA) I can utili

Do you know if your employer (or spouse's) offers the ability to do after-tax 401(k) contributions? What would be the advantage of an after tax 401k vs. a taxable account? Thank you for the post. Check out the linked article. You can roll your aftertax contributions into a Roth IRA. It's a way to e...
by hoppy08520
Thu Apr 09, 2015 6:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are there any taxable account (non 401k/IRA) I can utilize?
Replies: 11
Views: 747

Re: Inherited IRA advice

My condolences as well. And welcome to Bogleheads. The benefit of these assets being in an IRA is that you can easily change the funds without triggering any taxable event. So don't stress out here, there's no irrevocable choice about which fund(s) you pick. With that in mind, I'd consider parking i...
by hoppy08520
Thu Apr 09, 2015 5:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Inherited IRA advice
Replies: 12
Views: 1305

Re: Are there any taxable account (non 401k/IRA) I can utili

Do you know if your employer (or spouse's) offers the ability to do after-tax 401(k) contributions?
by hoppy08520
Thu Apr 09, 2015 5:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are there any taxable account (non 401k/IRA) I can utilize?
Replies: 11
Views: 747

Re: 401K Through Principal. Best option?

I had a Principal 401(k) account. That plan did have index funds and they were the cheapest options in the plan, but it really depends on your plan and what funds it has and what the expenses are. Among other funds, I seem to recall that my plan had a large-cap, mid-cap and small-cap index fund and ...
by hoppy08520
Thu Apr 09, 2015 5:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K Through Principal. Best option?
Replies: 5
Views: 286

Re: Tax Efficiency/Asset Allocation Check

Given that your TIRA will be the largest account and that you want to hold most of your bonds there, then I'd make sure that you also have some international in that account as this can be your main rebalancing account between TBM, TSM and TISM. I'd consider making the Roth account be 60/40 US/Inter...
by hoppy08520
Thu Apr 09, 2015 4:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax Efficiency/Asset Allocation Check
Replies: 2
Views: 337

Re: Different IRA Beneficiaries on Different Accounts Disall

This topic has come up before. See these past threads: Bogleheads • View topic - Vanguard only accepts standard IRA beneficiary designations Bogleheads • View topic - Vanguard Account Beneficiaries I don't know if your scenario is exactly the same as the others, but it might be. Here's a quote from ...
by hoppy08520
Thu Apr 09, 2015 4:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Different IRA Beneficiaries on Different Accounts Disallowed
Replies: 8
Views: 1028

Re: Allocation Question - ROTH vs Traditional IRA

The Bogleheads wiki agrees with you: If all else is equal (and it often isn't, because you may have different options in your 401(k) and your Roth IRA), it is slightly better to have the fund with the highest expected return in your Roth, because the Roth is free from Required Minimum Distributions ...
by hoppy08520
Thu Apr 09, 2015 4:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Allocation Question - ROTH vs Traditional IRA
Replies: 2
Views: 180

Re: "Avoid Being an Investment Collector"

I am ending up as a "collector" because of different account types: IRAs His 40X(x) Her 40X(x) (at a different provider) HSA And few of of these have overlapping fund choices. I wish I could get to just 3 funds, but I don't really have a choice if I want tax advantages. Other than that, I...
by hoppy08520
Wed Apr 08, 2015 10:01 am
 
Forum: Investing - Theory, News & General
Topic: "Avoid Being an Investment Collector"
Replies: 7
Views: 2101

Re: TSP Monthly, Quarterly and Annual Returns -- March, 2015

Dr_McGarvey, I love your reports and all the work you but into them, but I would agree that conflating the NAV of funds that do reinvest dividends (like the TSP) with funds that do not , in the same chart, is misleading. It implies a similarity where one does not exist. http://farm6.staticflickr.com...
by hoppy08520
Wed Apr 08, 2015 7:30 am
 
Forum: Investing - Theory, News & General
Topic: TSP Monthly, Quarterly and Annual Returns -- March, 2015
Replies: 9
Views: 1435

Re: Portfolio Review – Dual Federal Couple

Any thoughts on how we could (slightly) reconfigure our accounts such that we take full advantage of the G Fund while, at the same time, have enough bonds (tax-exempt or TBM) in our taxable Vanguard account to serve as a "backup emergency fund" (for a downpayment, possible vehicle replace...
by hoppy08520
Tue Apr 07, 2015 5:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review – Dual Federal Couple
Replies: 15
Views: 1608

Re: GoogleFinance price quotes for TSP Funds

If anyone is using the TSP web page sharePriceHistory.shtml to "scrape" the HTML to get up-to-date share prices for TSP funds, be aware that the TSP seems to have just changed the formatting of that page around April 7, 2015, which may require you to update some formulas in your code or sp...
by hoppy08520
Tue Apr 07, 2015 7:59 am
 
Forum: Investing - Theory, News & General
Topic: GoogleFinance price quotes for TSP Funds
Replies: 12
Views: 2439

Re: Portfolio Review – Dual Federal Couple

Would doing as you suggest re- reallocating funds in difference accounts to reflect one, large portfolio make an appreciable difference? If not, I personally like that the mini-portfolios are extremely easy for me to maintain. I think this is a matter of personal preference and there isn't a "...
by hoppy08520
Mon Apr 06, 2015 11:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review – Dual Federal Couple
Replies: 15
Views: 1608

Re: Portfolio Review – Dual Federal Couple

One thought to consider (and reject if you like) is that it looks like in each account, you've assembled a mini-portfolio with each asset class. While that's fine, you could also concentrate certain asset classes in the account that is best suited for that asset class. For example, rather than holdi...
by hoppy08520
Mon Apr 06, 2015 10:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review – Dual Federal Couple
Replies: 15
Views: 1608

Re: (When) should I stop contributing to my 401k?

How can someone contribute $53k to 401k? Is it catching for older folks? I could use some catching up when I get there. See after tax 401(k) Or be self-employed with sufficient income. Even better, have jobs with multiple employers so you can have multiple plans/accounts: http://whitecoatinvestor.c...
by hoppy08520
Mon Apr 06, 2015 6:22 am
 
Forum: Investing - Help with Personal Investments
Topic: (When) should I stop contributing to my 401k?
Replies: 21
Views: 2814

Re: Thinking of raiding your retirement savings?

Taxes may be less of a concern if you have a Roth IRA, but there are still factors to consider. If you have a Roth IRA, you can withdraw your contributions at any time without being subject to income tax or a penalty tax—as long as you've owned the account for five years or more. This is incorrect,...
by hoppy08520
Sun Apr 05, 2015 10:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Thinking of raiding your retirement savings?
Replies: 10
Views: 2927

Re: (When) should I stop contributing to my 401k?

Prague wrote:How can someone contribute $53k to 401k? Is it catching for older folks? I could use some catching up when I get there.

See after tax 401(k)
by hoppy08520
Sun Apr 05, 2015 9:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: (When) should I stop contributing to my 401k?
Replies: 21
Views: 2814

Re: HSA limits (include / exclude) employer contributions?

The limits are combined. See IRS pub 969: Employer contributions. You must reduce the amount you, or any other person, can contribute to your HSA by the amount of any contributions made by your employer that are excludable from your income. This includes amounts contributed to your account by your e...
by hoppy08520
Sun Apr 05, 2015 8:19 pm
 
Forum: Investing - Theory, News & General
Topic: HSA limits (include / exclude) employer contributions?
Replies: 1
Views: 297

Re: Opinions on Tilting/Slice and Dice

My advice is to go slow and be deliberative about this. You seem to be an eager beaver investor and want to do something fast. My advice might be to start with a 3-fund portfolio -- which is a perfectly reasonable default -- and consider changing to a more elaborate portfolio after a year of conside...
by hoppy08520
Sun Apr 05, 2015 8:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Opinions on Tilting/Slice and Dice
Replies: 27
Views: 1838

Re: 401k after retired

Others have posted about your asset allocation, but here's a link on some of the mechanics of 401(k) rollovers, how/if you should do it, etc. On this Bogleheads wiki page are some links to some really good articles:

401(k) rollover - Bogleheads wiki
by hoppy08520
Sun Apr 05, 2015 7:51 am
 
Forum: Investing - Help with Personal Investments
Topic: 401k after retired
Replies: 16
Views: 2006

Re: Help Picking from horrible choices:

Sheesh, whoever put that plan together should walk the plank. Why would you add all those tax-exempt bond funds in a 401(k) plan? That's just asking unknowledgeable investors to pick those funds if they live in those states, out of pure ignorance. Not the mention the sales loads. If I may ask (and y...
by hoppy08520
Sat Apr 04, 2015 7:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help Picking from horrible choices:
Replies: 14
Views: 1248

Re: A 'Like' Function for Posts on this Forum

This has been discussed before and it seems the site owners are opposed:

viewtopic.php?f=3&t=112738
by hoppy08520
Thu Apr 02, 2015 8:22 am
 
Forum: Forum Issues and Administration
Topic: A 'Like' Function for Posts on this Forum
Replies: 18
Views: 1202

Re: 401K: Rollover to new employer or to an IRA ??

See wiki page with links to some good articles:

401(k)
by hoppy08520
Thu Apr 02, 2015 8:10 am
 
Forum: Investing - Help with Personal Investments
Topic: 401K: Rollover to new employer or to an IRA ??
Replies: 3
Views: 239

Re: HSA: spend or invest?

Silly rookie question here. Does it only make sense to do it for an unmaxed Roth? What about an unmaxed traditional? Not a silly question at all! If you look at the linked wiki page it covers the traditional scenario as well. The difference is that the $500 can actually be bigger than that because ...
by hoppy08520
Tue Mar 31, 2015 8:31 am
 
Forum: Investing - Help with Personal Investments
Topic: HSA: spend or invest?
Replies: 31
Views: 3371

Re: HSA: spend or invest?

1) The percentage chance of me successfully saving all my receipts for 30 years is roughly the same as the ER on the SP500 fund. Ha! I totally agree. I wonder how many, even on this site, are sufficiently organized to keep track of that over several decades? I save the receipts until the end of the...
by hoppy08520
Tue Mar 31, 2015 6:40 am
 
Forum: Investing - Help with Personal Investments
Topic: HSA: spend or invest?
Replies: 31
Views: 3371

Re: HSA size

Hello and welcome to Bogleheads. Yes, many people here also use HSA as a stealth IRA. See: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=162309 I'm only on my second year of HSA entollment so my balance is a fraction of yours, but maybe I'll get there some day. I don't see how an HSA can...
by hoppy08520
Tue Mar 31, 2015 6:30 am
 
Forum: Investing - Help with Personal Investments
Topic: HSA size
Replies: 4
Views: 659

Re: HSA: spend or invest?

Silly rookie question here. Does it only make sense to do it for an unmaxed Roth? What about an unmaxed traditional? Not a silly question at all! If you look at the linked wiki page it covers the traditional scenario as well. The difference is that the $500 can actually be bigger than that because ...
by hoppy08520
Mon Mar 30, 2015 6:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA: spend or invest?
Replies: 31
Views: 3371

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

You mention you can either do Roth conversion or roll over to new 401(k). You could also roll it over to a traditional IRA or maybe even leave it in the old plan.
by hoppy08520
Mon Mar 30, 2015 12:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: To convert to Roth IRA from 401(k)
Replies: 12
Views: 1168

Re: Using my HSA as a ROTH IRA vehicle

Yes, this is discussed here a lot. See HSA page in wiki for more, or search archives for past threads.
by hoppy08520
Sun Mar 29, 2015 11:40 am
 
Forum: Investing - Theory, News & General
Topic: Using my HSA as a ROTH IRA vehicle
Replies: 6
Views: 844

Re: Can I have multiple 401k's?

OP, more here. Be sure to look at the comments.
http://whitecoatinvestor.com/multiple-401k-rules/
by hoppy08520
Tue Mar 24, 2015 9:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I have multiple 401k's?
Replies: 4
Views: 491

Re: Vanguard Ex-US Small Cap Value Petition

I would support this. But I think getting an Admiral shares version of Vanguard FTSE All-World ex-US Small-Cap Index Fund (VSS / VFSVX) is more important. Fwiw Vanguard Global ex-U.S. Real Estate Index Fund Investor Shares (VGXRX) has an Admiral share class. According to Vanguard website the intern...
by hoppy08520
Tue Mar 24, 2015 8:14 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Ex-US Small Cap Value Petition
Replies: 24
Views: 3084

Re: Can I have multiple 401k's?

Is there a maximum 401k contribution limit each year, per person, like there is with an IRA? If a person has multiple jobs, can they max each 401k? What if a person owns multiple small business, can they put away i401k money in each business? You can have multiple plans but the contribution limits ...
by hoppy08520
Tue Mar 24, 2015 7:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I have multiple 401k's?
Replies: 4
Views: 491
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