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Re: Revised portfolio - seeking advice and options for old p

Thank you so so much!! I finally understand and think we are good to go!! :beer
by investme
Wed Aug 14, 2013 7:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Revised portfolio - seeking advice and options for old plans
Replies: 40
Views: 2885

Re: Revised portfolio - seeking advice and options for old p

Thanks Pingo! Think I've finally got it: Current 403b @ Fidelity ($89,082.6 or 72%) <--Old 401k moves here. 28% Vanguard Institutional Index Fund (VINIX) ER .04 ($34,716.01) <--$11200/yr or 64% of 403b contributions. 07% Fidelity Spartan Extended Market - Advantage (FSEVX) ER .07 ($8,679) <--$1575/y...
by investme
Wed Aug 14, 2013 5:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Revised portfolio - seeking advice and options for old plans
Replies: 40
Views: 2885

Re: Revised portfolio - seeking advice and options for old p

That makes sense, so only the initial 10k to open for now, thanks!
by investme
Tue Aug 13, 2013 10:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Revised portfolio - seeking advice and options for old plans
Replies: 40
Views: 2885

Re: Revised portfolio - seeking advice and options for old p

Marvelous! Thanks Pingo! Quick question: Current 403b @ Fidelity ($89,082.6 or 72%) <--Old 401k moves here. 28% Vanguard Institutional Index Fund (VINIX) 0.04 <--$11200/yr or 64% of 403b contributions. 07% Fidelity Spartan Extended Market - Advantage (FSEVX) 0.07 <--$1575/yr or 9% of 403b contributi...
by investme
Tue Aug 13, 2013 9:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Revised portfolio - seeking advice and options for old plans
Replies: 40
Views: 2885

Re: Revised portfolio - seeking advice and options for old p

It dawned on me that I included the the total balance of the unvested match in the 403b figures. At the time they seemed like they might be part of the 403b, but we have now clarified that it is a totally different vehicle altogether. Would that account for the discrepancy between my 403b figure an...
by investme
Sun Aug 11, 2013 1:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Revised portfolio - seeking advice and options for old plans
Replies: 40
Views: 2885

Re: Revised portfolio - seeking advice and options for old p

If I understand the initial allocations: 71% Vanguard Institutional Index Fund (VINIX) - keep 59,500 here 18% Fidelity Spartan Extended Market - Advantage (FSEVX) - Move 15,000 here (You had originally said move 10k here to open, I understand why now and where this came from) 6.4% Fidelity Spartan ...
by investme
Sat Aug 10, 2013 5:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Revised portfolio - seeking advice and options for old plans
Replies: 40
Views: 2885

Re: Revised portfolio - seeking advice and options for old p

Do they let you know what the interest rate is? They say it's the annual change in inflation, reported as the consumer price index, each October plus 3%. Will have to think about how to consider it, probably as a separate allocation for now. Maybe...maybe not. Are there any costs associated with ho...
by investme
Fri Aug 09, 2013 8:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Revised portfolio - seeking advice and options for old plans
Replies: 40
Views: 2885

Re: Revised portfolio - seeking advice and options for old p

Sorry once again for the delay, I have been out of town - but do have some additional information, and I really apologize for not knowing or finding this out before. Turns out the "company match" my company offers is a deferred benefits or pension plan, based on years of service - it goes ...
by investme
Fri Aug 09, 2013 11:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Revised portfolio - seeking advice and options for old plans
Replies: 40
Views: 2885

Re: Fidelity BrokerageLink/401k/Any gotchas

The gotcha I ran into with my 403b and Brokeragelink is that the plan did not allow for future allocations to go there automatically - so what I have to do is allocate the money to a comparable fund in the 403b and then move to what I want in Brokeragelink when I reach the minimum for that fund.
by investme
Sun Aug 04, 2013 12:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity BrokerageLink/401k/Any gotchas
Replies: 7
Views: 536

Re: Revised portfolio - seeking advice and options for old p

Thanks Pingo! Sorry for the delayed response - I have been working through this to make sure I understand - I believe I do now. Between my old 401k if I rollover completely to the 403b (including selling the company stock) the total with the 403b amount is about 83,808 100% vested. Current 403b @ Fi...
by investme
Sun Aug 04, 2013 12:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Revised portfolio - seeking advice and options for old plans
Replies: 40
Views: 2885

Re: Revised portfolio - seeking advice and options for old p

sorry for the delay! I spoke to Fidelity who said no issues or fees moving into those funds via Brokeragelink and also no minimum balance in the 403b, however they did say according to the plan rules I cannot set up the Brokeragelink as a future election - so basically the money will have to accumul...
by investme
Fri Aug 02, 2013 3:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Revised portfolio - seeking advice and options for old plans
Replies: 40
Views: 2885

Re: Revised portfolio - seeking advice and options for old p

Thanks Pingo! I did find out today my plan does not accept any after tax money. Appreciate the info - will advise on questions/comments on the rest ASAP and will also call Fidelity to make sure we are good to go. Thanks!!
by investme
Mon Jul 29, 2013 9:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Revised portfolio - seeking advice and options for old plans
Replies: 40
Views: 2885

Re: Revised portfolio - seeking advice and options for old p

Will do, thanks pingo, question, how does that compare to the International fund in the current 403b: Vanguard Developed Markets Index Fund Admiral (VDMAX) .1% Is the issue the same where it only covers developed international markets? Current 403b also has this option: AF EUROPAC GRTH R4 (REREX) .8...
by investme
Sun Jul 28, 2013 9:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Revised portfolio - seeking advice and options for old plans
Replies: 40
Views: 2885

Re: Revised portfolio - seeking advice and options for old p

Both funds appear to have the Brokeragelink under investment options, but I will call Fidelity to be sure. They both state the same information: "There is no annual fee for your BrokerageLink® account." "Please refer to the Fidelity BrokerageLink® Commission Schedule for a listing of ...
by investme
Sat Jul 27, 2013 7:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Revised portfolio - seeking advice and options for old plans
Replies: 40
Views: 2885

Re: Revised portfolio - seeking advice and options for old p

Thanks pingo! I will answer what I can for now and get back to you with the rest: You know, it wasn't stated explicitly, but I thought it had been established that you're in the 25% Federal bracket. See Bob's not my name's table. I also thought you had confirmed your taxes were a lot lower than in h...
by investme
Sat Jul 27, 2013 5:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Revised portfolio - seeking advice and options for old plans
Replies: 40
Views: 2885

Re: Revised portfolio - seeking advice and options for old p

Thanks duckie, should still be OK, unless I get a new job :D
by investme
Fri Jul 26, 2013 11:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Revised portfolio - seeking advice and options for old plans
Replies: 40
Views: 2885

Re: Revised portfolio - seeking advice and options for old p

How close are you to phase out on Roth contributions? You have to make more than $188,000 a year to not be able to contribute to a ROTH right? Still have a ways to go there. The 403(b) looks great, I'd consider consolidating the old account there. Thanks for the feedback! That's definitely another ...
by investme
Fri Jul 26, 2013 4:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Revised portfolio - seeking advice and options for old plans
Replies: 40
Views: 2885

Revised portfolio - seeking advice and options for old plans

Hi all, I started another post because I feel like I finally have all the correct information together - the old post is here: http://www.bogleheads.org/forum/viewtopic.php?f=1&t=119882 Pingo "mentored" me..hopefully he has not given up on me :) Emergency funds: Yes Debt: Mortgage $139...
by investme
Thu Jul 25, 2013 10:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Revised portfolio - seeking advice and options for old plans
Replies: 40
Views: 2885

Re: First Timer - Help with retirement and basic investing

Additional few notes since this isn't mentioned elsewhere: The 2.50% Taxable @ Vanguard Brokerage is just the Vanguard Prime Money Market Fund VMMXX (I needed it to open account) The TIAA-CREF accounts: CREF Equity Index $1,486.50 0.42% expense CREF Stock $1,430.39 0.49% expense It does not appear t...
by investme
Mon Jul 22, 2013 11:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: First Timer - Help with retirement and basic investing
Replies: 38
Views: 3432

Re: First Timer - Help with retirement and basic investing

One step at a time..I like that..hopefully this is correct: I left out non-retirement and the very old account before, here' the update: Taxable @ Vanguard Brokerage 2.50% or $ $3,000.00 Taxable at Morgan Stanley (Employee Purchase Plan) 21.80% or $26,488.28 Very Old 401k @ TIAA-CREF 2.4% or $2,916....
by investme
Mon Jul 22, 2013 10:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: First Timer - Help with retirement and basic investing
Replies: 38
Views: 3432

Re: First Timer - Help with retirement and basic investing

I did read the intro post I promise :P Old 401k (73.2% of the portfolio) 46.10% Company stock - 41,235.88 cost basis $10,530.86 5.80% Fidelity Spartan 500 Index Fund Institutional Class (FXSIX) 0.05% $5,124.61 5.70% Hartford Capital Appreciation HLS Fund Class IA (HIACX) 0.67% $6,303.42 3.80% Americ...
by investme
Mon Jul 22, 2013 3:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: First Timer - Help with retirement and basic investing
Replies: 38
Views: 3432

Re: First Timer - Help with retirement and basic investing

I may not be the smartest person in the world..but I'd like to think resourceful :D From the Vanguard site - retirement portfolio 71.2% Large U.S. stocks 13% Mid/Small U.S. stocks 11.5% International stocks 4.3% Bonds Items asterixed (*) are in new 403b (I moved out of the target plan) - the other f...
by investme
Sun Jul 21, 2013 11:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: First Timer - Help with retirement and basic investing
Replies: 38
Views: 3432

Re: First Timer - Help with retirement and basic investing

You may very well be aware of this but just in case: I did not know this..thanks for posting..seems I may need to consult a tax professional (which I unfortunately do not have). If leaving the assets in place in the 401(k) means a woefully underdiversified portfolio and the investor won't be tappin...
by investme
Thu Jul 18, 2013 12:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: First Timer - Help with retirement and basic investing
Replies: 38
Views: 3432

Re: First Timer - Help with retirement and basic investing

?? Vanguard's Total Stock Market Index Fund increased 43% over the past five years. How do you calculate that number? Not sure whether I am doing this right, but at the Vanguard site, if I do a price change chart for 5 years, VTSMX says 37.49 on the end and the stock says 338.29 If I put the calcul...
by investme
Wed Jul 17, 2013 11:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: First Timer - Help with retirement and basic investing
Replies: 38
Views: 3432

Re: First Timer - Help with retirement and basic investing

Bob's not my name wrote:?? Vanguard's Total Stock Market Index Fund increased 43% over the past five years.


That certainly shows my level of knowledge about all this :happy

Thank you!!
by investme
Wed Jul 17, 2013 7:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: First Timer - Help with retirement and basic investing
Replies: 38
Views: 3432

Re: First Timer - Help with retirement and basic investing

Welcome. If you had $80k in cash would you use all of it to buy that company stock? That's what you're doing? I wouldn't be able to sleep at night with that exposure. I'm really considering it, putting it that way really puts things into perspective, just difficult since it's increased over 33% sin...
by investme
Wed Jul 17, 2013 7:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: First Timer - Help with retirement and basic investing
Replies: 38
Views: 3432

Re: First Timer - Help with retirement and basic investing

What do you guys think about this - moving my company 403b in Fidelity (the 23,727.42) from FID FREEDOM K 2050 (FFKHX) 0.68% to the following: 50% Vanguard Institutional Index Fund Institutional Shares VINIX 0.04% exp ratio 20% Vanguard Extended Market Index Fund Institutional Shares VIEIX .12% exp ...
by investme
Wed Jul 17, 2013 4:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: First Timer - Help with retirement and basic investing
Replies: 38
Views: 3432

Re: First Timer - Help with retirement and basic investing

Thank you, for some reason the url's got cut off, but I found them in his post: https://personal.vanguard.com/us/content/Funds/FundsVanguardFundsLifeStrategyTargetCompare.jsp http://www.bogleheads.org/wiki/LifeStrategy_Funds_vs_Target_Retirement_Funds This definitely gives me something else to look ...
by investme
Wed Jul 17, 2013 3:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: First Timer - Help with retirement and basic investing
Replies: 38
Views: 3432

Re: First Timer - Help with retirement and basic investing

Before recommending one approach over another, I would ask you if you're willing to put the time and effort into doing it yourself? The DIY approach doesn't have to be that difficult or time-consuming but if you would prefer to stick your funds in a LifeStrategy or Target date fund, that may be the...
by investme
Wed Jul 17, 2013 11:19 am
 
Forum: Investing - Help with Personal Investments
Topic: First Timer - Help with retirement and basic investing
Replies: 38
Views: 3432

Re: First Timer - Help with retirement and basic investing

There are two basic choices a do it yourself investor can make. One is to go with an single all inclusive fund where the fund manager does the rebalancing needed, or to pick a group of individual funds which as a whole diversify your investments the way you want. With this latter choice you assume ...
by investme
Tue Jul 16, 2013 10:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: First Timer - Help with retirement and basic investing
Replies: 38
Views: 3432

Re: First Timer - Help with retirement and basic investing

Hopefully I did this right: Taxable 100% old company stock = 500 shares, worth about 26k Old 401k 63.23% is this company stock, rest is: 9.62% Hartford Capital Appreciation HLS Fund Class IA HIACX 0.67% 7.85% Spartan® 500 Index Fund - Institutional Class FXSIX 0.05% 6.44% Spartan® Extended Market In...
by investme
Tue Jul 16, 2013 9:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: First Timer - Help with retirement and basic investing
Replies: 38
Views: 3432

Re: First Timer - Help with retirement and basic investing

Oh ok, thank you. I found a calculator online, looks like I may be eligible for a partial deductible, but it wouldn't be much.
by investme
Tue Jul 16, 2013 8:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: First Timer - Help with retirement and basic investing
Replies: 38
Views: 3432

Re: First Timer - Help with retirement and basic investing

Want to double check something: Single or head of household $59,000 or less a full deduction up to the amount of your contribution limit. more than $59,000 but less than $69,000 a partial deduction. $69,000 or more no deduction. http://www.irs.gov/Retirement-Plans/2013-IRA-Deduction-Limits-Effect-of...
by investme
Tue Jul 16, 2013 7:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: First Timer - Help with retirement and basic investing
Replies: 38
Views: 3432

Re: First Timer - Help with retirement and basic investing

Here's a simplistic rendering of your tax return, with illustrative numbers: $110,000 gross income - $2,500 pre-tax health, dental, and disability insurance premiums withheld from your pay - $17,500 maximum 403b contribution ------------- $90,000 AGI - $3,900 personal exemption - $6,100 standard de...
by investme
Tue Jul 16, 2013 7:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: First Timer - Help with retirement and basic investing
Replies: 38
Views: 3432

Re: First Timer - Help with retirement and basic investing

Thank's so much for your reply! Responses below: Tax Rate: 28% marginal Federal, 4.63% State I have no reason to doubt this, but most posters get their tax bracket wrong so I'm going to ask: Is your gross income over $110,000? No it is not, I picked the marginal rate from the government web site, bu...
by investme
Tue Jul 16, 2013 12:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: First Timer - Help with retirement and basic investing
Replies: 38
Views: 3432

First Timer - Help with retirement and basic investing

Hi Everyone, I am new to this site and investing, but have been thinking about it for a while and done lots of research lately with more everyday, but for the most part a complete newbie. I do have both Schwab and Vanguard brokerage accounts. Emergency funds: Yes Debt: Mortgage $139,248.07 3.125% 15...
by investme
Mon Jul 15, 2013 11:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: First Timer - Help with retirement and basic investing
Replies: 38
Views: 3432

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