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Re: Treat all accts as 1 BIG account for AA or target 70/30

harikaried wrote:Sounds like you're looking for how to implement an AA across accounts based on tax and growth properties of equities vs bonds:

Principles of tax-efficient fund placement
Tax-adjusted asset allocation


Yes, thats exactly what Im trying. Thanks for the resources.
by l2yangop
Wed Oct 15, 2014 12:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Treat all accts as 1 BIG account for AA or target 70/30 each
Replies: 7
Views: 910

Treat all accts as 1 BIG account for AA or target 70/30 each

I have a question about asset allocation. Should I treat all of my portfolios as one BIG portfolio or should I target my 70/30 ideal AA in EACH individual account? It seems to me that it would make more sense to put the bond portion of my 70/30 AA in the HSA or 403B and use the ROTHS for the 70% sto...
by l2yangop
Wed Oct 15, 2014 11:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Treat all accts as 1 BIG account for AA or target 70/30 each
Replies: 7
Views: 910

Re: Florida prepaid college plan. Dumb or undumb?

Very helpful and exactly the insight I was looking for. Thanks all!
by l2yangop
Fri Sep 19, 2014 7:25 am
 
Forum: Investing - Theory, News & General
Topic: Florida prepaid college plan. Dumb or undumb?
Replies: 15
Views: 1511

Florida prepaid college plan. Dumb or undumb?

Basically you select a payment plan that ranges from 27k lump sum to 37k if you elect monthly payments based on child’s age (currently infant). Then you are guaranteed a 4 year 120credit education at a state university. I’m thinking it may be smarter to invest the money and let it grow over time to ...
by l2yangop
Wed Sep 17, 2014 11:07 am
 
Forum: Investing - Theory, News & General
Topic: Florida prepaid college plan. Dumb or undumb?
Replies: 15
Views: 1511

Re: HSA Strategy for high income earners

I use this strategy too but always wondered something. Asset allocation. I have a FSA, ROTH and 403B and am trying to follow the 3 fund bogleheads approach. Should I treat all 3 portfolios as 1 big portfolio? Or should I try to hold the bonds in the HSA since that is safest in case I DO need to use ...
by l2yangop
Mon Aug 04, 2014 4:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA Strategy for high income earners
Replies: 79
Views: 6115

Re: Tapatalk Integration

+1 here too!
by l2yangop
Sat Jul 19, 2014 9:18 pm
 
Forum: Forum Issues and Administration
Topic: Tapatalk Integration
Replies: 50
Views: 15021

Re: Wife has no retirement options- is breadwinner

Well, if you don't have a HSA or a work-based retirement plan for her, let's think creatively about other tax advantaged options... What other benefits do you have through your work? Do you have a health care flex spending account or a dependent care flex spending account? Would a Coverdell make se...
by l2yangop
Fri Jul 18, 2014 11:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Wife has no retirement options- is breadwinner
Replies: 36
Views: 3481

Re: Wife has no retirement options- is breadwinner

Disclaimer: this comes from a man with a professional daughter who works full time. OP, I am confused. It sounds like she makes as much or more than you working half time than your full time. It seems like the wrong person might be staying at home for whatever reason that is being done for. But the...
by l2yangop
Fri Jul 18, 2014 10:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Wife has no retirement options- is breadwinner
Replies: 36
Views: 3481

Re: Wife has no retirement options- is breadwinner

1 - Max your 401k 2 - Max both Roth IRAs 3 - Max any HSA you might have access to 4 - Start piling up funds in tax efficient taxable Vanguard mutual funds (such as the Total Stock Market Index, the Total International Index, and/or the S&P 500 Index). Keep bonds and any REITs in the retirement ...
by l2yangop
Thu Jul 17, 2014 12:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wife has no retirement options- is breadwinner
Replies: 36
Views: 3481

Re: Wife has no retirement options- is breadwinner

I USED to qualify for an HSA and I have over 10k in it but having just had a child, we no longer have a high deductible health insurance plan and dont qualify.
by l2yangop
Thu Jul 17, 2014 12:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wife has no retirement options- is breadwinner
Replies: 36
Views: 3481

Re: Wife has no retirement options- is breadwinner

Is your wife on a W2 with a company that does not offer 401K? Do you contribute to the max of your 401K? You can open a taxable investment account at Fido or VG and do total stock index or total intl stock index. As for making more than roth, do you have a Trad IRA for both or either of you? Look i...
by l2yangop
Thu Jul 17, 2014 9:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Wife has no retirement options- is breadwinner
Replies: 36
Views: 3481

Re: Wife has no retirement options- is breadwinner

Sidney wrote:Don't underestimate the value of tax-efficient after-tax investments.



Such as? Other than MUNIs?
by l2yangop
Thu Jul 17, 2014 8:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Wife has no retirement options- is breadwinner
Replies: 36
Views: 3481

Re: Wife has no retirement options- is breadwinner

swimirvine wrote:Would she qualify for an Individual 401(k) at Vanguard?



I'm not familiar with that. I'll look into it. Is that subject to the same income limits as a TIRA?
by l2yangop
Thu Jul 17, 2014 8:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Wife has no retirement options- is breadwinner
Replies: 36
Views: 3481

Wife has no retirement options- is breadwinner

Truthfully, after calculating my total compensation we make about the same (me 70k + benes, her 100k). She gets no benefits whatsoever..but she’s doing a great job. We are both 30 years old. My question is this: What retirement options does she have aside from a 5500/yr in an IRA? I opened a Roth fo...
by l2yangop
Thu Jul 17, 2014 8:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Wife has no retirement options- is breadwinner
Replies: 36
Views: 3481

Re: Timing the 10 year for mortgage lock

I've asked that of the 4 lenders i've inquired with. None of them offer float down. Just float. I didn't lock in today, so I will probably just let it float for as long as I can.
by l2yangop
Tue Jul 16, 2013 10:07 pm
 
Forum: Investing - Theory, News & General
Topic: Timing the 10 year for mortgage lock
Replies: 8
Views: 757

Re: Timing the 10 year for mortgage lock

Well said G-Money. I'm willing to gamble I think :)

Im expecting the Bernake we got a couple weeks ago when he had to make unscheduled commentary to calm the bond selloff.
by l2yangop
Tue Jul 16, 2013 4:39 pm
 
Forum: Investing - Theory, News & General
Topic: Timing the 10 year for mortgage lock
Replies: 8
Views: 757

Timing the 10 year for mortgage lock

Bernake speaks tomorrow. Rates are at a 2 year high. Could he possibly say anything that might send the 10 year higher? It seems to me he'd like to be more of a dove. I ask because I need to lock in a mortgage rate within 30 days :)
by l2yangop
Tue Jul 16, 2013 3:43 pm
 
Forum: Investing - Theory, News & General
Topic: Timing the 10 year for mortgage lock
Replies: 8
Views: 757

Re: Is now really a good time to buy my age in bonds?

Guys, I really enjoyed reading all the comments here. Thanks for contributing. I'm going to look into shorter duration bond funds to make up my 20-30% AA.
by l2yangop
Fri Jul 12, 2013 7:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Is now really a good time to buy my age in bonds?
Replies: 35
Views: 2798

Re: Is now really a good time to buy my age in bonds?

Also, would I make the most sense to use my HSA for bonds and the Roth for equities indexes since capital preservation could potentially be more important in the HSA in case I ever do in fact need to use it for medical expenses? Maybe short term bond index in the HSA and intermediate term bond inde...
by l2yangop
Thu Jul 11, 2013 12:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is now really a good time to buy my age in bonds?
Replies: 35
Views: 2798

Re: Is now really a good time to buy my age in bonds?

Also, would I make the most sense to use my HSA for bonds and the Roth for equities indexes since capital preservation could potentially be more important in the HSA in case I ever do in fact need to use it for medical expenses?
by l2yangop
Thu Jul 11, 2013 10:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Is now really a good time to buy my age in bonds?
Replies: 35
Views: 2798

Re: Is now really a good time to buy my age in bonds?

I'm assuming you're a "recovering stock picker/newsletter junkie" because you either didn't outperform an appropriate benchmark or you did and you know you were just lucky. If your efforts at timing the stock market were either unsuccessful or unreliable, why do you think you'd have a dif...
by l2yangop
Thu Jul 11, 2013 10:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Is now really a good time to buy my age in bonds?
Replies: 35
Views: 2798

Is now really a good time to buy my age in bonds?

I’m 30 years old and have 50k in retirement assets (roth + hsa: I pay medical bills in cash). No debt. I am a recovering stock picker/newsletter junkie and want to average into a 3 fund portfolio. I am thinking VTI (40%)/VXUS(30%)/BND(30%) However, I feel like it’s almost certain that after a 30 yea...
by l2yangop
Thu Jul 11, 2013 8:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Is now really a good time to buy my age in bonds?
Replies: 35
Views: 2798

Re: Whole life and Long term tax planning

1. We are planning for kids in the next couple years, God willing. I do have group life through my employer but it is for only 3x my annual income which is not sufficient once we have kids (not to mention should I ever lose/leave this job). 2. Only one Roth because we haven't bothered opening one fo...
by l2yangop
Thu Apr 18, 2013 8:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Whole life and Long term tax planning
Replies: 30
Views: 1293

Re: Whole life and Long term tax planning

Before I answer that I first want to thank everyone for their contributions. I really appreciate all the time some of you invested into answering my question. I was indeed approached (not pressured) by a friend who is in the industry and asked about what our retirement plans look like. He has been n...
by l2yangop
Thu Apr 18, 2013 7:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Whole life and Long term tax planning
Replies: 30
Views: 1293

Re: Whole life and Long term tax planning

I appreciate everyone's thoughts. We do have plans for kids so I think Insurance is definitely going to be a need. I was only considering WL as another means of diversifying our broader investment strategy.
by l2yangop
Wed Apr 17, 2013 3:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Whole life and Long term tax planning
Replies: 30
Views: 1293

Whole life and Long term tax planning

I am 30, my wife is 27. Combined we make somewhere between 175-200k per year. We have no debt, and currently rent. In the next few years we plan to buy a home in the 300k range and have cash for 20% down. Our net worth between bank accounts and retirement (roth, 1 employer sponsored 403b, hsa) is ar...
by l2yangop
Wed Apr 17, 2013 11:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Whole life and Long term tax planning
Replies: 30
Views: 1293

Re: HSA investing- Is buying TIPS ETF good for safety?

The other thing I was thinking is maybe an income target retirement fund like VTINX
by l2yangop
Fri Mar 01, 2013 2:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA investing- Is buying TIPS ETF good for safety?
Replies: 7
Views: 375

HSA investing- Is buying TIPS ETF good for safety?

I'd like to keep up with inflation or maybe make a percent or two on top of it in my HSA but for various reasons, I'd like to play it ultra safe. Does it make sense to buy the TIPS etf as opposed to sitting in cash?
by l2yangop
Fri Mar 01, 2013 2:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA investing- Is buying TIPS ETF good for safety?
Replies: 7
Views: 375

Re: Recommend book or web on Taxes/strategies

Thank you for your contribution. this is very helpful. I have always contributed to a roth account but i make under 120k a year. I don't think she will be able to contribute to it. Her employer doesnt offer a retirement solution and she has not yet established one. I will likely get her setup with ...
by l2yangop
Wed Jun 20, 2012 7:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Recommend book or web on Taxes/strategies
Replies: 10
Views: 884

Re: Recommend book or web on Taxes/strategies

I make 85k and my wife will make over 150k this year. We are recently married and have not yet filed taxes as a couple. We are co-owning all accounts. I am looking for a book recommendation to understand tax strategies. Does anyone have any suggestions? Also, ideas on how best to find a tax prepare...
by l2yangop
Tue Jun 19, 2012 11:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Recommend book or web on Taxes/strategies
Replies: 10
Views: 884

Recommend book or web on Taxes/strategies

I need some help with understanding tax code and savings strategies/shelters. I make 85k and my wife will make over 150k this year. We are recently married and have not yet filed taxes as a couple. We are co-owning all accounts. I am looking for a book recommendation to understand tax strategies. Do...
by l2yangop
Tue Jun 19, 2012 9:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Recommend book or web on Taxes/strategies
Replies: 10
Views: 884

found this interesting, thanks!
by l2yangop
Mon Jun 20, 2011 11:14 am
 
Forum: Investing - Help with Personal Investments
Topic: When to get out of Bonds?
Replies: 31
Views: 3429

found this interesting, thanks!
by l2yangop
Mon Jun 20, 2011 11:13 am
 
Forum: Investing - Theory, News & General
Topic: Inflation update June 15 relevant to I Bonds and TIPS
Replies: 7
Views: 1403

found this interesting, thanks
by l2yangop
Mon Jun 20, 2011 11:13 am
 
Forum: Investing - Theory, News & General
Topic: A little help with TIPS please
Replies: 12
Views: 1769

what about this strategy? On the day before ex-dividend date, you can do a covered write by buying the dividend paying stock while simultaneously writing an equivalent number of deep in-the-money call options on it. The call strike price plus the premiums received should be equal or greater than the...
by l2yangop
Thu Jul 22, 2010 8:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Can i collect dividends by holding long and short positions?
Replies: 9
Views: 1613

Can i collect dividends by holding long and short positions?

CIM is a real estate REIT currently yielding 18.5%.....trades a big volume. Where is my logic in the proposal below flawed?

Buy and sell short the same number of shares just to collect the 18% dividends. I've often thought about doing this...not sure what the downside is.
by l2yangop
Thu Jul 22, 2010 7:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Can i collect dividends by holding long and short positions?
Replies: 9
Views: 1613

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