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Re: AA suggestions

The 401k is from a former employer. I probably do not have enough in emergency funds (or non-emergency funds for that matter ;)) it is something I'm aware of and working on. Thanks for the heads-up LadyGeek, here is a new link: https://docs.google.com/file/d/0B2nh1TIGHJW_WHpSR201Qlk1azA/edit?usp=sha...
by jsbmoney
Wed Jul 17, 2013 12:11 am
 
Forum: Investing - Help with Personal Investments
Topic: AA suggestions
Replies: 6
Views: 395

AA suggestions

Greetings. I've been considering moving my accounts (IRA, Roth, 401K) from Edward Jones to Vanguard for some time but have been stuck on what my proper asset allocation should be given the current environment. I've reviewed my overall portfolio (https://docs.google.com/file/d/0B2nh1TIGHJW_RF9JbXB0SX...
by jsbmoney
Tue Jul 16, 2013 8:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA suggestions
Replies: 6
Views: 395

bond funds

Hello. I'm hoping to move an IRA and I'm struggling to understand the best way to allocate the bonds portion. I'm concerned about rising interest rates and inflation, so I think maybe 50% VBISX (Vanguard Short Term Index Bond Fund) and 50% VCIFX (Vanguard Intermediate Term Investment Grade Fund). Wh...
by jsbmoney
Fri Apr 19, 2013 12:51 am
 
Forum: Investing - Help with Personal Investments
Topic: bond funds
Replies: 1
Views: 307

Re: IRA Asset Allocation

Thanks for the responses. The expense ratios for the funds are here: https://docs.google.com/file/d/0B-GlaYY_MRKPR0Vybmp0UmJSb2c/edit?usp=sharing. Also, if I recall correctly the AUM fee is about $80/mo. I am intending on moving to index funds. I do have other accounts so I will allocate across all ...
by jsbmoney
Tue Apr 16, 2013 12:22 am
 
Forum: Investing - Help with Personal Investments
Topic: IRA Asset Allocation
Replies: 7
Views: 718

IRA Asset Allocation

Hello. I would like to move a EJ Advisory Solutions (IRA) account but I'm having trouble determining the appropriate allocations. Here are the current funds in my EJ Advisory Solutions account: Ticker Name M* Category M* Investment Style Percentage JFMXX JPMorgan Federal Mon Mmkt Inst Money Market T...
by jsbmoney
Mon Apr 15, 2013 11:42 am
 
Forum: Investing - Help with Personal Investments
Topic: IRA Asset Allocation
Replies: 7
Views: 718

Re: course correction

I'll be rolling over a traditional IRA and a Roth from EJ. I'll then be rolling over an old 401K from a previous employer and adding this to the rolled over traditional IRA account. Would I still be able to contribute to the rolled over traditional IRA?
by jsbmoney
Wed Mar 27, 2013 4:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: course correction
Replies: 19
Views: 2584

Re: course correction

I am now looking at moving my accounts from EJ to Vanguard and have a question about the account rebalancing process. I assume when you rebalance your portfolio you sell from disproportionately high asset classes and buy more of the lesser proportioned asset classes. If this is the case, should I ha...
by jsbmoney
Wed Mar 27, 2013 1:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: course correction
Replies: 19
Views: 2584

Re: Hartford Life Insurance question

I've received a cost basis and a surrender value from Hartford for my policy. Would I then need to pay taxes next year on the difference (surrender value - cost basis) if I surrender it? Thanks.
by jsbmoney
Wed Mar 20, 2013 4:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hartford Life Insurance question
Replies: 8
Views: 918

Re: Hartford Life Insurance question

Hello. How does the tax situation work if I do surrender my permanent life insurance policy? Do I pay the marginal tax rate of the entire surrender value or just the difference of the surrender value and total of premiums paid in? Do I need to determine the difference of the two (surrender value, va...
by jsbmoney
Tue Mar 05, 2013 2:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hartford Life Insurance question
Replies: 8
Views: 918

Re: Mutual Fund data provided by Morningstar

Thanks for the replies. I've talked with my Edward Jones financial advisor and he advised me to look at the returns and not the expenses, since higher returns can offset the expenses. So I am trying to understand this mathematically before making any move. For example, here are four US funds in my R...
by jsbmoney
Mon Feb 18, 2013 1:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mutual Fund data provided by Morningstar
Replies: 14
Views: 1042

Mutual Fund data provided by Morningstar

Hello. I have a question about the data about mutual funds provided by Morningstar. For example, I have an American Funds Growth Fund of America Class A. Morningstar shows a yield of .79%, this is the dividend provided as a percentage of my account so if I have $10000 the yearly dividend would be $7...
by jsbmoney
Sun Feb 17, 2013 5:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mutual Fund data provided by Morningstar
Replies: 14
Views: 1042

Re: course correction

I read an interview with Jack Bogle recently in which, I believe referring to the Vanguard Total Bond Index Fund, he said "So the bond index fund is about 73 percent in government bonds—U.S. Treasury-backed one way or another. And I think that is in fact heavier than most investors should have....
by jsbmoney
Thu Jan 31, 2013 1:51 am
 
Forum: Investing - Help with Personal Investments
Topic: course correction
Replies: 19
Views: 2584

Re: course correction

Thanks for all the replies. I have another question about investing in bond funds at this time. I'd like to allocate about 40% of my portfolio to bonds, probably a total bond market index fund, but since the interest rate is so low right now I've read that this may be ill-advised at this time. Shoul...
by jsbmoney
Mon Jan 21, 2013 11:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: course correction
Replies: 19
Views: 2584

Re: course correction

So if Edwards Jones does provide me the cost basis, they would be providing me the total amount paid (initial cost + reinvested dividends) for each fund in my taxable account? In your example below is the $5115.44 the basis? If Edward Jones doesn't provide this value, then I have to figure this out ...
by jsbmoney
Sat Jan 19, 2013 10:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: course correction
Replies: 19
Views: 2584

Re: course correction

It looks like I would be taxed at 15% for the capital gains in my taxable account which would amount in several thousand dollars. I'm not certain how to determine the dividends reinvested, but it may be considerable. Is there any easy way to find this information? Wouldn't I already be taxed on divi...
by jsbmoney
Thu Jan 17, 2013 10:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: course correction
Replies: 19
Views: 2584

Re: course correction

Thanks for the assessment Dukie. If I sold my taxable funds, would I then pay capital gains of 20% on the growth since I bought them? The new 457 is indeed government and the old 401K is from a former employer. My question about whether I could still contribute to the old 401K was simply because of ...
by jsbmoney
Wed Jan 16, 2013 10:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: course correction
Replies: 19
Views: 2584

course correction

Greetings. I'm looking for some advice on correcting my portfolio. I started investing in Edward Jones in late 2002. My single taxable account, ROTH IRA and rolled-over IRA (into Advisory Solutions) accounts are all managed by Edward Jones. I was also sold a Hartfold Life Insurance through Edward Jo...
by jsbmoney
Tue Jan 15, 2013 11:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: course correction
Replies: 19
Views: 2584

Hartford Life Insurance question

Greetings. I need some advice about my current life insurance situation. I'm 40, single, have a Hartford Single Life variable universal life insurance worth about $24K, with a surrender value nearly the same. This was sold to me by Edward Jones as a method to get both life insurance and retirement i...
by jsbmoney
Wed Jul 11, 2012 12:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Hartford Life Insurance question
Replies: 8
Views: 918

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