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Re: Max TSP or Diversify Elsewhere?

I get a significant match on my TSP contributions...I assume you do too?

If so, TSP all the way.
by jastevenson
Fri Mar 21, 2014 9:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Max TSP or Diversify Elsewhere?
Replies: 21
Views: 2902

Re: Will upcoming rise in interest rates affect your AA?

jastevenson: the confusion is between the "interest rates stuck at zero", by which you must mean Fed overnight rates, and "bond yields", which are definitely not zero and they move to anticipate the former by roughly the term of the bond or the duration of the fund. Thank you (a...
by jastevenson
Wed Mar 19, 2014 11:06 pm
 
Forum: Investing - Theory, News & General
Topic: Will upcoming rise in interest rates affect your AA?
Replies: 30
Views: 2226

Will upcoming rise in interest rates affect your AA?

I think most people would agree that interest rates won't be zero forever, and that they day is coming (perhaps 12 months from now?) when we'll start seeing some upward movement. Will you be adjusting your asset allocation as a result? I have money in REIT and bond funds, and am wondering if they ar...
by jastevenson
Wed Mar 19, 2014 10:01 pm
 
Forum: Investing - Theory, News & General
Topic: Will upcoming rise in interest rates affect your AA?
Replies: 30
Views: 2226

Do the performance metrics for bond funds include dividends?

Mutual fund (or dividend-yielding stock) listings describe performance over a given time period (e.g., YTD -0.2%, 1 year performance +3.5%) Do these numbers include dividends? Or does the performance number have to be adjusted upwards to account for dividends? In other words, if 1 year performance i...
by jastevenson
Mon Mar 17, 2014 4:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do the performance metrics for bond funds include dividends?
Replies: 3
Views: 244

Do account transfer fees come out of account balance?

I'm planning to consolidate my investments at Vanguard (currently some are at VG, some are at Fidelity). I know that there is typically an account transfer fee that will be charged by Fidelity. Doo the fees come out of my precious IRA / Roth IRA balance, or can I simply write them a check (or pay wi...
by jastevenson
Tue Mar 04, 2014 11:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Do account transfer fees come out of account balance?
Replies: 3
Views: 220

Re: Dumb question: where does the commission come from?

Agree with all the above statements :)

Thanks for the info--I actually want to sell some individual stock that I have so that my portfolio can be 100% mutual funds.

However, it sounds like I'll lose some of my precious Roth IRA money in the process. :(

Should've discovered BH earlier in my life!
by jastevenson
Fri Feb 14, 2014 12:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Dumb question: where does the commission come from?
Replies: 10
Views: 867

Dumb question: where does the commission come from?

This may be an incredibly stupid question, but: when buying/selling stocks or funds, where do trading commissions (e.g., "$7.95 per trade") come out of? If I can only put $5,500 into my Roth each year, I don't want the commissions to be taken out of my Roth account! Instead, I'd rather pay...
by jastevenson
Thu Feb 13, 2014 11:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dumb question: where does the commission come from?
Replies: 10
Views: 867

Invstments better in taxable than tax-favored accounts?

The amount of "space" in a tax-favored account is limited....somoneone might have $100K in a Roth and $200K in a taxable account, for example. What types of investments should be avoided in tax-favored investment accounts rather than taxable investments accounts? And vice versa? For exampl...
by jastevenson
Tue Mar 19, 2013 10:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Invstments better in taxable than tax-favored accounts?
Replies: 3
Views: 520

Difference between after-tax contrib to 401k vs. Roth 401k?

So I know we can contribute $17,500 to a 401k. I understand that after that $17,500, you can elect to contribute more--up to $50,000. My question is: what is the difference between after-tax contributions and a contributions to a Roth IRA (which has a $5,000 limit)? In both, you've already paid the ...
by jastevenson
Mon Jan 07, 2013 3:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Difference between after-tax contrib to 401k vs. Roth 401k?
Replies: 3
Views: 323

Re: Keep employer-specific mutual funds after 401k->Roth?

I'll certainly look into it.

Btw, why would doing a 401k->Roth conversion be a bad idea in my tax bracket? I am still pretty young and all signs point to taxes going up rather than down in the future, so I figure it is a wise decision.
by jastevenson
Sat Jan 05, 2013 4:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Keep employer-specific mutual funds after 401k->Roth?
Replies: 5
Views: 355

Keep employer-specific mutual funds after 401k->Roth?

Hi all, Quick question: I had money in my old employer's 401k (University of California system, via Fidelity). Some of my funds are "institutional class," which means they are basically identical to normal Fidelity funds, but have lower expense ratios. For example: My UC FSKTX is basically...
by jastevenson
Wed Jan 02, 2013 12:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Keep employer-specific mutual funds after 401k->Roth?
Replies: 5
Views: 355

Re: Add $5k to Roth IRA today, but income ends up > 125k?

Did a search with some different terms and figured it out: Basically, if you contribute to a Roth and later realize you are over the income limit, you can "recharacterize" the Roth IRA to a tIRA using an IRS form. However, since this sounds like a pain, I think I will just create a tIRA, c...
by jastevenson
Tue Jan 01, 2013 11:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Add $5k to Roth IRA today, but income ends up > 125k?
Replies: 9
Views: 1186

Add $5k to Roth IRA today, but income ends up > 125k?

Hi! Quick question for the amazing folks on this board (really, people out here know a lot!): If I add $5,000 to my Roth IRA today, but then discover at the end of the year that my income is greater than the $125,000 limit for contributing to a Roth, what happens? I'd like to put money in the Roth A...
by jastevenson
Tue Jan 01, 2013 11:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Add $5k to Roth IRA today, but income ends up > 125k?
Replies: 9
Views: 1186

ETF's with free trades (e.g. iShares): What's the catch?

So I've been reading about ETF's lately. I know mutual funds make their money by charging a management fee. But ETF's such as iShares charge no trading fee, and there is no management fee. Which sounds great, but then, how do ETF's make money? "If it's too good to be true it probably is".....
by jastevenson
Thu Dec 20, 2012 10:21 am
 
Forum: Investing - Help with Personal Investments
Topic: ETF's with free trades (e.g. iShares): What's the catch?
Replies: 12
Views: 1367

Can you fund a TSP by writing a check?

Hi! I have a Roth TSP. The limit is $17,000 / year. Money is deducted from my paycheck and goes directly into the Roth TSP. Can I add money to the TSP by just writing a check and depositing it into my TSP account (as you might do to fund a savings account)? Or can you only add funds to the TSP as a ...
by jastevenson
Thu Dec 20, 2012 2:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Can you fund a TSP by writing a check?
Replies: 4
Views: 788

Re: Had 401k, put 7k in, now have Roth TSP, how much can I a

Thanks for the replies thus far, folks! To answer your question: my former employer only offered 401k as an option, so I had no choice but to go with it. My new employer offers the TSP and Roth TSP. What makes matters complex is that they actually will match 5% of my salary, but they force you to pu...
by jastevenson
Sat Dec 01, 2012 12:38 am
 
Forum: Investing - Theory, News & General
Topic: Had 401k, put 7k in, now have Roth TSP, how much can I add?
Replies: 6
Views: 686

Had 401k, put 7k in, now have Roth TSP, how much can I add?

Hi all, I know that if I contribute $17,000 to a 401k, I can also contribute $5,000 to a Roth IRA. But what about a 401k and a Roth TSP? I had a 401k at my old job earlier this year, and contributed $7,000 (PRE-tax dollars) since January 2012. Switched jobs and now have a Roth TSP (limit is $17,000)...
by jastevenson
Tue Nov 27, 2012 2:25 am
 
Forum: Investing - Theory, News & General
Topic: Had 401k, put 7k in, now have Roth TSP, how much can I add?
Replies: 6
Views: 686

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