Search found 1853 matches

by hoppy08520
Sun May 03, 2015 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Leaving our financial advisor over a period of months
Replies: 33
Views: 2904

Re: Leaving our financial advisor over a period of months

Mintee wrote:In addition, we know some funds will have to be liquidated (Dimensional, etc.).

I've read somewhere that you might be able to keep your DFA funds even if you leave the advisor, although you won't be able to buy new shares. Just a thought. See:

http://www.bogleheads.org/forum/viewtopic.php?t=8598
by hoppy08520
Fri May 01, 2015 9:11 am
Forum: Investing - Help with Personal Investments
Topic: how to account for TSP G Fund in allocation
Replies: 18
Views: 1060

Re: how to account for TSP G Fund in allocation

In this example, I use cash as a proxy for the G Fund. I might not understand fully what you're trying to demonstrate, but how can you use cash as a proxy for G Fund? The G Fund has consistently increased. Here a chart from TSP: Annual Returns : https://www.tsp.gov/investmentfunds/fundsheets/fundPe...
by hoppy08520
Fri May 01, 2015 9:05 am
Forum: Personal Finance (Not Investing)
Topic: The Engineer's Guide to Investing
Replies: 32
Views: 3322

Re: The Engineer's Guide to Investing

Two more thoughts. 1. Boom and bust. At least in tech, the industry is subject to boom and bust during recessionary times. Granted, every industry has that to some degree, but tech might be more vulnerable. I got into tech in the late 1990s and went through two busts, the 2002-era dot.com bust and l...
by hoppy08520
Fri May 01, 2015 7:40 am
Forum: Personal Finance (Not Investing)
Topic: The Engineer's Guide to Investing
Replies: 32
Views: 3322

Re: The Engineer's Guide to Investing

A few more thoughts. Some of these might apply more broadly than just to engineers, but here goes: ⋅  As noted by Livesoft, it seems that a lot of startups and tech companies tend to have bad 401(k) plans. The bigger and more established the company, the better the likelihood of having a g...
by hoppy08520
Tue Apr 28, 2015 4:22 pm
Forum: Investing - Help with Personal Investments
Topic: International Allocation in a 401k
Replies: 47
Views: 3019

Re: International Allocation in a 401k

PNW_Hunter I contribute 6% of my salary into it as a Roth contribution, and my employer matches .50 cents for every dollar, up to 6% total. Are you sure they match your Roth. Companies generally match pre-tax contributions, not the Roth 401K. Who pays the taxes on their match? The matching contribu...
by hoppy08520
Tue Apr 28, 2015 7:03 am
Forum: Investing - Help with Personal Investments
Topic: International Allocation in a 401k
Replies: 47
Views: 3019

Re: International Allocation in a 401k

Do not think of investing as a dart hitting the bulls eye on your dart board. Think more like grabbing a handful of spaghetti and meat balls and throwing it at the dart board. Stuff is going to go everywhere, but most of it will be on the dart board. That is close enough. :D Will someone alert Tayl...
by hoppy08520
Mon Apr 27, 2015 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: How to best utilize TSP in retirement, particularly G Fund
Replies: 22
Views: 1786

Re: How to best utilize TSP in retirement, particularly G Fu

If 30% of their retirement assets are in the TSP, and if they would like to be 50% stocks and 50% bonds overall, then it strikes me that this is a simple one: put the entire TSP into the G Fund. That covers 30% of the bond allocation. The remaining 20% of the bond allocation can be held in Vanguard....
by hoppy08520
Mon Apr 27, 2015 9:52 am
Forum: Investing - Help with Personal Investments
Topic: Help with Investment - New to Investing
Replies: 3
Views: 559

Re: Help with Investment - New to Investing

Welcome to Bogleheads. A few thoughts: ⋅  The annual IRA contribution limit is $5,500 per individual, per year, at your age, but you wrote $11,000 for you and $11,000 for spouse. You might have meant to say $11,000 combined for you and spouse. ⋅  See After-tax 401(k) - Bogleheads...
by hoppy08520
Sun Apr 26, 2015 7:41 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring in two months - what to do with TSP?
Replies: 11
Views: 1518

Re: Retiring in two months - what to do with TSP?

In regards to the G Fund proposed changes, I believe you are referencing the wording found in the Concurrent Resolution on the Budget - Fiscal Year 2016 Align the G-Fund Investment Return with an Appropriate Risk Profile. The resolution assumes savings by correctly aligning the rate of return on U....
by hoppy08520
Sun Apr 26, 2015 3:59 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring in two months - what to do with TSP?
Replies: 11
Views: 1518

Re: Retiring in two months - what to do with TSP?

​​We are wondering what to do with my TSP. Originally I was thinking to leave it there in retirement, but have been reading that Congress is planning to reduce the rate of return on the G fund and have heard the Government is borrowing against the TSP. I would think long and hard before withdrawing...
by hoppy08520
Sat Apr 25, 2015 5:00 pm
Forum: Investing - Help with Personal Investments
Topic: New to retirement planning - TSP and Roth IRA
Replies: 17
Views: 1133

Re: New to retirement planning - TSP and Roth IRA

Welcome to Bogleheads. If you can max the TSP and IRA then you should. The only question is whether you might direct some of those contributions toward the loans instead. Regarding asset allocation, be aware that L2050 is 85% stocks 15% bonds. If you want a 70/30 fund, then choose L2030 which is 65/...
by hoppy08520
Sat Apr 25, 2015 9:20 am
Forum: Investing - Theory, News & General
Topic: A Great List of Useless Financial Porn Phrases
Replies: 30
Views: 4445

Re: A Great List of Useless Financial Porn Phrases

"downside protection" A retired relative of mine, who is otherwise a very intelligent man with a Ph.D. in a STEM field, nevertheless invests at Ameriprise or something like that. He pays an AUM of around 0.75% and has the usual barf buffet of actively managed funds with ER of around 1.5%. ...
by hoppy08520
Sat Apr 25, 2015 9:02 am
Forum: Investing - Help with Personal Investments
Topic: 401K Contribution Question
Replies: 8
Views: 632

Re: 401K Contribution Question

I'm as paranoid and cynical as the next guy, especially when it comes to our overlords in the financial services industry, but I doubt there is anything sinister with your 401(k) plan custodian timing the market with employee/employer contributions....although it could be a clever way for them to gr...
by hoppy08520
Fri Apr 24, 2015 4:48 pm
Forum: Investing - Help with Personal Investments
Topic: TSP ==> Vanguard or not
Replies: 15
Views: 1530

Re: TSP ==> Vanguard or not

See this page for some good reading on why you should keep the TSP: TSP withdrawals - Bogleheads . Even if you decide you want to withdraw it to an IRA -- which I recommend against because you get only one lifetime partial withdrawal so use it wisely -- I would still leave behind $1,000 or so in the...
by hoppy08520
Fri Apr 24, 2015 7:46 am
Forum: Investing - Help with Personal Investments
Topic: International Allocation in a 401k
Replies: 47
Views: 3019

Re: International Allocation in a 401k

You do bring up a good point. Many people starting out think that this investing thing is and should be very precise. The fact is that there is nothing precise about it and nothing you can do will make it so. The market changes daily, by the second in fact. Trying to be precise is a bit like herdin...
by hoppy08520
Thu Apr 23, 2015 5:07 pm
Forum: Investing - Help with Personal Investments
Topic: Should I lower my 401k Contribution?
Replies: 9
Views: 1683

Re: Should I lower my 401k Contribution?

Hi, I was a victim, er, participant, of a JH 401(k) plan as well. Unlike your particular plan, our plan had a JH total stock market index fund - JETSX, in addition to a 500-index fund, a mid-cap index fund and a small-cap index fund, all from JH. All had the same ER. I used the TSM fund. You might w...
by hoppy08520
Thu Apr 23, 2015 8:57 am
Forum: Investing - Help with Personal Investments
Topic: International Allocation in a 401k
Replies: 47
Views: 3019

Re: International Allocation in a 401k

In case you haven't seen this: Approximating total international stock market - Bogleheads wiki . Per this page, you can come very close to approximating TISM with this: 62% Vanguard Developed Markets Index Fund (VDMIX) (0.20%) 20% iShares MSCI Emerging Markets ETF (EEM) (0.69%) 11% Vanguard FTSE Al...
by hoppy08520
Wed Apr 22, 2015 8:28 pm
Forum: Investing - Theory, News & General
Topic: Any of you folks pay mortgage with credit card?
Replies: 29
Views: 3196

Re: Any of you folks pay mortgage with credit card?

I looked into his, just to get points, but it seemed hard to pull off. Google this and you'll see that it's not easy to do.
by hoppy08520
Wed Apr 22, 2015 8:21 am
Forum: Investing - Help with Personal Investments
Topic: new job - how to decide on 401k rollover choice?
Replies: 12
Views: 931

Re: new job - how to decide on 401k rollover choice?

TylerDavis, 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 t...
by hoppy08520
Tue Apr 21, 2015 8:57 am
Forum: Investing - Theory, News & General
Topic: Mistakes, Regrets & Stupidity - collection of past threads
Replies: 6
Views: 1669

Mistakes, Regrets & Stupidity - collection of past threads

One of my favorite Boglehead forum topics is personal stories on our best and worst mistakes, decisions, advice, etc. Nothing brings out a Boglehead like sharing their biggest screw-up. It's funny how these threads keep sprouting up over and over, like mushrooms or daffodils...or insurance salesmen....
by hoppy08520
Sun Apr 19, 2015 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: Single best piece of personal finance advice ever received?
Replies: 90
Views: 7686

Re: Single best piece of personal finance advice ever receiv

Twenty+ years ago, my office manger said to my 21-year-old self: "Make sure you sign up for the TSP and put it all in the C Fund since you're young." I did. [The TSP is the government version of a 401(k) and the C Fund is its S&P 500 index fund. Back then that was the only stock fund i...
by hoppy08520
Sun Apr 19, 2015 4:36 pm
Forum: Investing - Help with Personal Investments
Topic: [Poll] regarding Keeping that old 401k.
Replies: 6
Views: 656

Re: [Poll] regarding Keeping that old 401k.

It's difficult to google any information on this because any kinds of search terms get interpreted as "I want to roll the 401k from my former job into my new job" instead of the more unusual case of wanting to roll over a 401(k) (or IRA) into a plan held at an employer where you're no long...
by hoppy08520
Sun Apr 19, 2015 3:04 pm
Forum: Investing - Help with Personal Investments
Topic: [Poll] regarding Keeping that old 401k.
Replies: 6
Views: 656

Re: Keeping that old 401k.

This might be a good thread for a poll.
by hoppy08520
Sun Apr 19, 2015 11:18 am
Forum: Investing - Help with Personal Investments
Topic: Newly Married and Need Investment Advice
Replies: 19
Views: 1829

Re: Newly Married and Need Investment Advice

All good advice above !!! The ONLY thing I can add is to separate your ROTH TSP and your Regular TSP accounts for simplicity. Contribute to your TSP, but Keep your ROTH Separate. Investigate the withdrawals of those funds. Use Vanguard as your ROTH IRA, but invest in your TSP Funds and keep them se...
by hoppy08520
Sat Apr 18, 2015 4:50 pm
Forum: Investing - Help with Personal Investments
Topic: How to analyze portfolio recommendations
Replies: 20
Views: 1368

Re: How to analyze portfolio recommendations

Are you sure this salesman is actually a CFP? I thought the CFP requires that CFPs act as a fiduciary. Clearly this salesman is not. Glad you found this board.
by hoppy08520
Sat Apr 18, 2015 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: Newly Married and Need Investment Advice
Replies: 19
Views: 1829

Re: Newly Married and Need Investment Advice

Welcome to the forum. Everyone here will recommend the TSP. Also see the "Military finances" page in the Bogleheads wiki for more advice.

Also, you seem to be suggesting that you are saving for house and kids, but also try to target some savings for long term retirement.
by hoppy08520
Sat Apr 18, 2015 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio & Allocation Qs, Taking Control, Leaving Advisors
Replies: 12
Views: 1212

Re: Portfolio & Allocation Qs, Taking Control, Leaving Advis

Hello and welcome to Bogleheads. A few thoughts: ⋅  One can contribute $18,000 annually to a 401(k) but you have you and wife down for $12,500 and $12,150. Why not the max? ⋅  Given that relatively small amount in wife's first 401(k), I would just roll that into her second 401(k)...
by hoppy08520
Sat Apr 18, 2015 2:18 pm
Forum: Investing - Help with Personal Investments
Topic: New Personal investment
Replies: 5
Views: 608

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 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help
Replies: 3
Views: 451

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 11:40 am
Forum: Investing - Help with Personal Investments
Topic: Calculating expense ratio
Replies: 6
Views: 538

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 9:54 am
Forum: Investing - Help with Personal Investments
Topic: Confusion regarding Expense ratio
Replies: 3
Views: 527

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 11, 2015 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: Taking a 403b Distribution /damage done. Questions?
Replies: 2
Views: 347

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 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: Finishing grad school - need help with investments!
Replies: 2
Views: 473

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 10:35 am
Forum: Investing - Help with Personal Investments
Topic: 401k converting PIMCO Tot Return to Loomis Sayles - advice?
Replies: 13
Views: 1285

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 8:45 am
Forum: Investing - Help with Personal Investments
Topic: 3 fund portfolio and early retirement
Replies: 4
Views: 718

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 8:39 am
Forum: Investing - Help with Personal Investments
Topic: Inherited IRA advice
Replies: 12
Views: 1571

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 8:23 am
Forum: Investing - Help with Personal Investments
Topic: 401k bond fund recommendation?
Replies: 8
Views: 904

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 8:17 am
Forum: Personal Consumer Issues
Topic: Would you use your neighbor's son for yard service?
Replies: 33
Views: 2484

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
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: 695

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 3:52 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA Advice for College - Vanguard Fund Type
Replies: 8
Views: 695

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 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited IRA advice
Replies: 12
Views: 1571

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 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: Are there any taxable account (non 401k/IRA) I can utilize?
Replies: 11
Views: 858

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 11:34 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA Advice for College - Vanguard Fund Type
Replies: 8
Views: 695

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 9:57 am
Forum: Investing - Help with Personal Investments
Topic: Poll: 401k fees?
Replies: 6
Views: 722

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 9:53 am
Forum: Investing - Help with Personal Investments
Topic: Transferring From Taxable to Roth IRA
Replies: 6
Views: 481

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 9:51 am
Forum: Investing - Help with Personal Investments
Topic: 3 Fund Vs Wealthfront suggested AA
Replies: 11
Views: 1536

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
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: 858

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 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited IRA advice
Replies: 12
Views: 1571

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 5:16 pm
Forum: Investing - Help with Personal Investments
Topic: Are there any taxable account (non 401k/IRA) I can utilize?
Replies: 11
Views: 858

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?

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