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Re: The reverse world of retirement investing

I was going to post this as well. I am skeptical of this paragraph from the article: Seek income. You don't have to construct a portfolio of bank CDs and utility stocks, but income makes your life a great deal easier. Dividends not only cushion downturns, but typically rise every year, giving you so...
by hoppy08520
Sat Apr 19, 2014 10:23 am
 
Forum: Investing - Theory, News & General
Topic: The reverse world of retirement investing
Replies: 27
Views: 2421

Re: 401k Plan AUM fees

For a small plan, you're probably about average for all-in fees. See this post for more on that including a link to a detailed study that shows the numbers.

viewtopic.php?f=10&t=97448
by hoppy08520
Wed Apr 16, 2014 6:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k Plan AUM fees
Replies: 9
Views: 418

Re: Reducing employer stock exposure

Well, I've never heard that particular angle on holding a total stock index fund before! I wouldn't worry about it for two reasons. 1: it's such a small percentage. 2: you don't have any good alternatives assuming you want to stick with an index fund portfolio. I suppose if your MegaCorp trends to t...
by hoppy08520
Wed Apr 16, 2014 8:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Reducing employer stock exposure
Replies: 5
Views: 310

Re: Portfolio generating 7% return?

Kedmundo, welcome to the forum. And I think you've posted in the wrong forum ;-) You're not going to find a lot of boosters for this kind of portfolio in bogleheads. I think you're looking for a free lunch. If you want high reward (7%) then you're going to have to take high risk, and you might not g...
by hoppy08520
Tue Apr 15, 2014 9:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio generating 7% return?
Replies: 10
Views: 1618

Re: Asset Allocation/Reallocation help

maverick02 wrote:bumpp

recommend re-titling post to "what should I do with my whole life policy" -- there are people who can help answer.
by hoppy08520
Tue Apr 15, 2014 4:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: what should I do with my whole life policy
Replies: 24
Views: 1765

Re: 401k / Roth IRA Allocation Advice

3. I also have an old 401k from a previous employer valued at only $1444.36. Am I able to roll this amount into my current 401k or Roth IRA? If so, does this count torwards my annual contribution limit? Most 401(k) plans will let you roll in a 401(k) account from a former employer. Or, you could ro...
by hoppy08520
Tue Apr 15, 2014 4:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k / Roth IRA Allocation Advice
Replies: 6
Views: 398

Re: Tracking a Vanguard Target Retirement Trust

Yes, you could do that. You could also track your outside holdings as a regular Vanguard fund. Use the same fund and convert the shares. EG if the Vanguard investor share class of the fund is $40 per share, and your trust is $100 per share and you have 10 shares, then you have $1000. This would 1000...
by hoppy08520
Tue Apr 15, 2014 4:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tracking a Vanguard Target Retirement Trust
Replies: 1
Views: 235

Re: Child's Roth

I think your child has a pretty good investment advisor. I think sticking with a target date fund is just fine.
by hoppy08520
Tue Apr 15, 2014 4:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Child's Roth
Replies: 27
Views: 1398

Re: The Mega Backdoor Roth IRA

Why would you ever want to do this? It will not reduce your tax liability, and ultimately the earnings/growth would be taxable at ordinary income rates, as compared to lower LTCG rates in a taxable account. One should only contribute to 401(k)'s if there is an immediate pre-tax benefit of the contr...
by hoppy08520
Tue Apr 15, 2014 4:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: The Mega Backdoor Roth IRA
Replies: 33
Views: 4331

Re: Mr. Money Mustache: Hero or Foolish?

Just for kicks, I tried to count the Hero and Foolish count, and came up with the following tally: Positive 56 Neutral 6 Negative 8 These counts are distinct for each user, so if one user posted three negative posts, then it would count as "1". Obviously many posts are a bit subjective; if...
by hoppy08520
Tue Apr 15, 2014 1:23 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 227
Views: 24406

Re: Favorite Investing Book?

"The Smartest Investment Book You'll Ever Read", by Daniel R. Solin opened my eyes and led me to Bogleheads, where I've gotten much more. It''s a straightforward easy read. I've shared it with a few people and they've thanked me. It's a nice little gift. While Solin's book isn't really my...
by hoppy08520
Tue Apr 15, 2014 10:41 am
 
Forum: Investing - Theory, News & General
Topic: Favorite Investing Book?
Replies: 42
Views: 3199

Re: The Mega Backdoor Roth IRA

This is legit. There's a page in the Bogleheads wiki on this:
http://www.bogleheads.org/wiki/After-tax_401(k)
I wish my 401(k) plan allowed this, but it does not.
by hoppy08520
Tue Apr 15, 2014 9:26 am
 
Forum: Investing - Help with Personal Investments
Topic: The Mega Backdoor Roth IRA
Replies: 33
Views: 4331

Re: Newly eligible for a 401k-Allocation question

You can convert a portion of your traditional IRA to Roth IRA each year. You can have the money go from your traditional IRA into your current Roth IRA. You should convert enough up to the point where you don't have to pay taxes on the conversion. This is a very common transaction. Also with your ch...
by hoppy08520
Sun Apr 13, 2014 9:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Newly eligible for a 401k-Allocation question
Replies: 14
Views: 574

Re: Order of how should I invest

Do you mean traditional IRA or Roth IRA? That question applies to each of you. Also, what's your marginal tax rate, Federal and state?

Usually you'll prioritize 403(b)-to-match first--you don't want to turn down free money.
by hoppy08520
Sat Apr 12, 2014 10:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Order of how should I invest
Replies: 5
Views: 558

Re: Mr. Money Mustache: Hero or Foolish?

...Life is short and I only know of this one shot so it's pretty sad that we all have to be wage slaves for so long just to buy more stuff if that stuff isn't even making you happy. He's saying, if that stuff isn't actually making you happy, why are you trading freedom for it? Don't split hairs ove...
by hoppy08520
Fri Apr 11, 2014 2:54 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 227
Views: 24406

Re: Mr. Money Mustache: Hero or Foolish?

For what it's worth, if you take out mortgage costs, child care, cut gas to $1,000 a year (fat chance with Bay Area gas prices), cut property tax, and income tax, then I could live on $25,000 easily. I assume so could most bogleheads. I'm hearing some scoffing regarding his $25K annual expenses, sa...
by hoppy08520
Thu Apr 10, 2014 7:45 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 227
Views: 24406

Re: 31 Year Old Needs Investment Advice Please

I also picked the S fund last year because of the gains it was making. Keep in mind that what goes up, must come down..sooner or later. By putting all your eggs in the S Fund, which represents the smallest 20% of the companies in the US stock market, you're not very diversified. When you consider t...
by hoppy08520
Thu Apr 10, 2014 5:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: 31 Year Old Needs Investment Advice Please
Replies: 5
Views: 698

Re: 31 Year Old Needs Investment Advice Please

Hello and welcome to the forum. I assume you mean Roth TSP and not Roth IRA? Could you clarify. Also it seems unusual to put all your balance in the S fund. Why not a more balanced Life Cycle fund instead?
by hoppy08520
Wed Apr 09, 2014 10:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: 31 Year Old Needs Investment Advice Please
Replies: 5
Views: 698

Re: Newly eligible for a 401k-Allocation question

In the 15% tax bracket you might give consideration to using Roth 401k instead of traditional. Or use at least some Roth. It is always good to get money into Roth status at 15% or less, in my opinion. But be sure you really are in the 15% marginal bracket before taking this route. While I would ord...
by hoppy08520
Wed Apr 09, 2014 10:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newly eligible for a 401k-Allocation question
Replies: 14
Views: 574

Re: 401K rollover to Roth IRA

Just to be clear I can have both a traditional and Roth IRA correct? I would continue to contribute to the Roth, and the traditional would only be used for the direct rollover from my 401k. Yes you can have both. Also, have your traditional IRA titled as a "rollover IRA" when you set it up.
by hoppy08520
Wed Apr 09, 2014 10:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K rollover to Roth IRA
Replies: 6
Views: 328

Re: Mr. Money Mustache: Hero or Foolish?

Hero. MMM really skewers the materialist and wasteful consumer society that we have been born into but which really only came about in the last century or so of human existence. That's his first priority, not getting rich, as he writes here: Getting Started #2 – The Higher Cause . Describing his blo...
by hoppy08520
Tue Apr 08, 2014 8:38 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 227
Views: 24406

Re: Student Loans -- a surcharge on your job?

Oh, you all bring up such good points about the 7.5% interest. If it were a credit card debt it would be gone ASAP. Rufus, I think you're conflating the reason for the debt and the existence of the debt in such a way that it's clouding and distorting your thinking regarding what to do about your de...
by hoppy08520
Sun Apr 06, 2014 1:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Student Loans -- a surcharge on your job?
Replies: 26
Views: 1596

Re: Allocation plan after windfall

Tall Tree, this site trends to US investors who know the intricacies of the US investing and tax landscape. I just don't think there are a lot of us here who are familiar with your scenario. There must be investing website similar to this but with a Euro perspective?
by hoppy08520
Sun Apr 06, 2014 8:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review for European (Belgian), which bond ETFs?
Replies: 8
Views: 692

Re: Are we saving too much or too litte?

Rufus, by my calculations, if you continue to invest at your current rate, and earn a 4% real return (after inflation), then when you're 55, your accounts will be at around $630K when you're 55. That's pretty good compared to most people. With $630K, at a 3.5% safe withdrawal rate (SWR), you're look...
by hoppy08520
Sat Apr 05, 2014 2:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are we saving too much or too litte?
Replies: 28
Views: 2847

Re: 25 Year old deciding on Portfolio AA

davdmrl, welcome to Bogleheads. You seem like an intelligent, thoughtful and careful person. If I had any prescriptions, I'd want you to mix them. Just one thought: Regarding paying debt vs investing. Some on Bogleheads are fanatical about paying down debt first. I'm somewhere in the middle. My take...
by hoppy08520
Sat Apr 05, 2014 11:59 am
 
Forum: Investing - Help with Personal Investments
Topic: 25 Year old deciding on Portfolio AA
Replies: 4
Views: 533

Re: Stable Value Funds

I can't answer this question, but the wiki page has some information:
http://www.bogleheads.org/wiki/Stable_Value_Fund
by hoppy08520
Sat Apr 05, 2014 8:44 am
 
Forum: Investing - Theory, News & General
Topic: Stable Value Funds
Replies: 12
Views: 851

Re: 31 yr old w/ $500k @ EdwardJones

Carl, don't feel bad. This forum sometimes feels like an AA meeting -- probably at least half of us have been lying drunk in a gutter somewhere before we discovered passive investing. You should find some of the "your worst investing mistake" threads here -- there are plenty and they're in...
by hoppy08520
Fri Apr 04, 2014 7:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: 31 yr old w/ $500k @ EdwardJones
Replies: 26
Views: 3548

Re: 26 Year Old - Investment Portfolio - Suggestions?

mark trumpet wrote:...Your fund choices seem sound, but if you could break down the percentages to asset class...

Agree. Also, we can't tell what your relative fund weights are are since you totaled your percentages by account instead of for the whole portfolio. Can you recompute?
by hoppy08520
Fri Apr 04, 2014 7:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: 26 Year Old - Investment Portfolio - Suggestions?
Replies: 10
Views: 981

Re: Re-thinking 401k Asset Allocation

TakeFive, people here often do use their plan's SDBA (http://www.bogleheads.org/wiki/Self_directed_brokerage_account). You might just want to run the numbers to see if it's worth the extra fees. Given that your plan's core funds aren't that bad, the break even point might be rather high. For those w...
by hoppy08520
Fri Apr 04, 2014 7:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Re-thinking 401k Asset Allocation
Replies: 3
Views: 503

Re: How Ignorant am I? 5yr on Job, No 401k. 100K collecting

Max out 401k contribution for 2014. That's 17.5K. One little point on this -- you mention that your salary is a blend of base + commission. With a variable salary, it can be hard to make sure you hit the max if you choose the contribute based on a percentage of your paycheck, since your paycheck va...
by hoppy08520
Fri Apr 04, 2014 6:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: How Ignorant am I? 5yr on Job, No 401k. 100K collecting dust
Replies: 36
Views: 3602

Re: Roth 401k Allocations

SSgA S&P 500 Fund 20% SSgA Russell 2000 Fund 20% SSgA S&P 400 Mid Cap Fund 20% SSgA Russell 3000 Fund 20% SSgA MSCI EAFE Fund 5% SSgA Barclays Aggregate Bond Fund 15% I haven't dissected the US stock funds too much, but you have a lot of duplication with those four. To simplify a bit, I wou...
by hoppy08520
Fri Apr 04, 2014 9:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth 401k Allocations
Replies: 7
Views: 362

Re: Reaching $1M in Total Assets

Hello newbie (surprised no one else claimed that name yet) and welcome to Bogleheads. To figure out how fast you can get to $1M, plot it out in a spreadsheet. Have one row per year. A reasonable go-forward estimate on stock market returns is around 5% or so. Add in new contributions. At the end of ...
by hoppy08520
Thu Apr 03, 2014 10:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reaching $1M in Total Assets
Replies: 35
Views: 5869

Re: Reaching $1M in Total Assets

Hello newbie (surprised no one else claimed that name yet) and welcome to Bogleheads. To figure out how fast you can get to $1M, plot it out in a spreadsheet. Have one row per year. A reasonable go-forward estimate on stock market returns is around 5% or so. Add in new contributions. At the end of e...
by hoppy08520
Thu Apr 03, 2014 9:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reaching $1M in Total Assets
Replies: 35
Views: 5869

Re: help with 401(k)

Based on a study from a couple of years ago, plans with less than $1M in assets have a median all-in fee of 1.41%. Plans with between $1M and $10M are 1.14%. The more assets under management, the lower the fees (no surprise there) thanks to economies of scale and bargaining power of the company to g...
by hoppy08520
Thu Apr 03, 2014 9:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: help with 401(k)
Replies: 3
Views: 231

Re: Roth 401k Allocations

Hello and welcome to Bogleheads. Unless you have a strong reason to come up with a more personalized asset allocation, I think most people here would recommend you choose the LifePath fund that most closely matches your asset allocation. The expenses for the LifePath funds are reasonable compared to...
by hoppy08520
Thu Apr 03, 2014 8:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth 401k Allocations
Replies: 7
Views: 362

Re: Re-thinking 401k Asset Allocation

TakeFive, welcome to Bogleheads. You don't need to have the same asset allocation within each account -- all that matters is the overall portfolio allocation as a whole. In your 401(k), the cheapest index funds are: Core Bond – seeks to mimic Barclays Capital Aggregate Bond Index ER = 0.11 US Large ...
by hoppy08520
Thu Apr 03, 2014 8:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Re-thinking 401k Asset Allocation
Replies: 3
Views: 503

Re: 26 Year Old - Investment Portfolio - Suggestions?

The loans and car debt are the big things to chip away at and I'm on the way to do just that. Additionally, for the last 4 years cumulative returns of 15.5% is what my overall portfolio has achieved so I'd rather focus on this rather than the 6% gain from paying those loans immediately as opposed t...
by hoppy08520
Thu Apr 03, 2014 8:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: 26 Year Old - Investment Portfolio - Suggestions?
Replies: 10
Views: 981

Re: A big thank you to all the Boglehead's here

It's an amazing feeling to finally be in control and know that your plan is about as solid as it can be, without that nagging doubt that you are doing the wrong thing or getting ripped off. Assembling a Boglehead portfolio is actually pretty simple. The principles aren't very difficult, and most of ...
by hoppy08520
Wed Apr 02, 2014 4:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: A big thank you to all the Boglehead's here
Replies: 3
Views: 801

Re: Investment Advice

I have posted the available 401K Funds. Thank You. Newbogler24, thanks. We still need some more information in order to understand your portfolio and options. Could you list the current holdings for His Roth IRA, His 401(k) and Her 401(k) and Her 401(b), His Rollover IRA and the percentages of each...
by hoppy08520
Wed Apr 02, 2014 1:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment Advice
Replies: 7
Views: 937

Re: Mr. Money Mustache: Hero or Foolish?

I signed up for their forum a while back because I thought it was much like this one. After getting into some of the threads, I realized many of the followers of MMM are looking to cut expenses and retire as early as possible. That sounds good on the surface, but then they were talking about going ...
by hoppy08520
Wed Apr 02, 2014 10:51 am
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 227
Views: 24406

Changes to composition of TSP Lifecycle - More G Fund

Recently the TSP has made some changes to the composition of the Lifecycle (target retirement date) funds. Updated Lifecycle fund allocations — (March 26, 2014) As a result of changes in long-term capital market assumptions and a review of the Lifecycle fund asset allocations, the TSP has revised th...
by hoppy08520
Tue Apr 01, 2014 1:41 pm
 
Forum: Investing - Theory, News & General
Topic: Changes to composition of TSP Lifecycle - More G Fund
Replies: 3
Views: 217

Re: Thoughts on TSP Lifecyle Glide Paths

FWIW, the TSP glide paths are similar to Vanguard's target date funds except the TSP has around 10% more fixed income compared to Vanguard. By the way, I'll be posting a separate post on this, but recently the TSP has announced changes to the L fund compositions. I haven't looked into this too close...
by hoppy08520
Tue Apr 01, 2014 12:35 pm
 
Forum: Investing - Theory, News & General
Topic: Thoughts on TSP Lifecyle Glide Paths
Replies: 10
Views: 1033

Re: 401k vs Roth?

...Use the emergency fund money to fund Roth IRA contributions. You're essentially shifting some of your emergency fund into Roth IRA, 11K for 2013 and another 11K for 2014... I agree with this -- it's a no-brainer. Also wanted to post a link to a wiki article that explains this in more detail: htt...
by hoppy08520
Tue Apr 01, 2014 8:56 am
 
Forum: Investing - Help with Personal Investments
Topic: 401k vs Roth?
Replies: 12
Views: 926

Re: help for a fellow seeker

I'm getting into this thread a bit late and you all may have figured it out, but there is a wiki page that helps explain many of these mysterious John Hancock funds: http://www.bogleheads.org/wiki/John_Hancock_Funds and what benchmarks they track.
by hoppy08520
Tue Apr 01, 2014 8:52 am
 
Forum: Investing - Help with Personal Investments
Topic: help for a fellow seeker
Replies: 30
Views: 2638

Re: Is a 457 plan in addition to 403b a good option?

Hi, is this a government or non-government 457(b) plan? Based on you writing that you have to make more than a certain amount, it sounds like you're at a tax-exempt non-government organization. See: http://www.bogleheads.org/wiki/457-b for some guidance. I'm not an expert on this, but a lot of peopl...
by hoppy08520
Mon Mar 31, 2014 1:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is a 457 plan in addition to 403b a good option?
Replies: 12
Views: 442

Re: I'm 18 and very eager to start investing in stocks. Advi

Roth is great to throw your money at now but I would also throw some in a traditional IRA if you are short on cash since that will reduce you current tax bill. Whatever you do never use this money as a source for funding anything but retirement. At the moment, he's delivering pizzas part-time, so I...
by hoppy08520
Mon Mar 31, 2014 8:17 am
 
Forum: Investing - Help with Personal Investments
Topic: I'm 18 and very eager to start investing in stocks. Advice?
Replies: 42
Views: 2423

Re: Investment Advice

Thanks. Regarding "His and Hers: 403B". Do you each have a 403b? And when you can, please list the available funds in his and her 401(k). Also, the percentages held in each fund should be for your complete portfolio, not within each account. This can help us work toward the best allocation...
by hoppy08520
Mon Mar 31, 2014 8:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Investment Advice
Replies: 7
Views: 937

Re: Reinvest Dividends or Use those Funds to Rebalance?

livesoft wrote:Taxes. You will pay taxes on dividends that you receive from assets held in your taxable account.

Of course! Thank you.
by hoppy08520
Sun Mar 30, 2014 7:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reinvest Dividends or Use those Funds to Rebalance?
Replies: 11
Views: 668

Re: Reinvest Dividends or Use those Funds to Rebalance?

Of course, check that the fund you are about to invest into is not itself going to pay a dividend in the next few days. If so, just wait for that dividend, then invest. Livesoft, why is this? Won't it all equal out whether you invest right before or right after the fund's dividend payout? You'll ei...
by hoppy08520
Sun Mar 30, 2014 7:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reinvest Dividends or Use those Funds to Rebalance?
Replies: 11
Views: 668
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