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Re: Utah 529: new DFA funds and lower fees

Robert, would you please share the customized age-based allocation mix that you decide on? For awareness/info. Many thanks. The allocation below closely matched my long-term investment policy allocation in terms of: (i) Global equity diversification - close to a constant equity allocation of 50:37:...
by mwow83
Mon Oct 20, 2014 9:30 am
 
Forum: Investing - Theory, News & General
Topic: Utah 529: new DFA funds and lower fees
Replies: 31
Views: 4400

Re: Saving for College - Help choosing 529 plan

I greatly appreciate the comments. I’ve spent a few hours searching the forums and reading about each of the following plans that I’ve outlined below. I plan to select one as my path forward – just need suggestions on each and recommendations on asset allocations. Utah 529 Plan: Current aged-based i...
by mwow83
Sun Oct 19, 2014 12:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Saving for College - Help choosing 529 plan
Replies: 11
Views: 928

Re: Saving for College - Help choosing 529 plan

What's the benefit to funding a 527 plan vs say funding the Vanguard Balanced Index Fund Investor Shares fund? Since Florida has no state income tax there are no bennies for the 527... at least I don't think.
by mwow83
Sat Oct 18, 2014 10:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Saving for College - Help choosing 529 plan
Replies: 11
Views: 928

Re: Saving for College - Help choosing 529 plan

You should max. out a Coverdell first. Unfortunately, Vanguard does not offer them. The spending conditions from a Coverdell are more permissive than from a 529. Any advice on where to purchase the Coverdell from? I'm such a fan of Vanguard with the low fee options. I hope the Coverdell has similar...
by mwow83
Sat Oct 18, 2014 8:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Saving for College - Help choosing 529 plan
Replies: 11
Views: 928

Saving for College - Help choosing 529 plan

My wife and I are expecting our first child next February. We have started looking into different investment vehicles to help save for college. We live in Florida - so there isn't any tax benefits with contributing to any plan. It appears the options are either purchase a prepaid plan, invest into a...
by mwow83
Sat Oct 18, 2014 5:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Saving for College - Help choosing 529 plan
Replies: 11
Views: 928

Re: Annual Investment Portfolio Checkup

I really need help making sure my target allocation is correct. Really looking forward to your comments! I'm not really sure what your question(s) actually are. Are you wanting to make sure your math is correct? One thing that might help, in your original post, can you make the percentages be the a...
by mwow83
Tue Jan 29, 2013 2:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Annual Investment Portfolio Checkup
Replies: 4
Views: 553

Re: Annual Investment Portfolio Checkup

I really need help making sure my target allocation is correct. Really looking forward to your comments!
by mwow83
Tue Jan 29, 2013 11:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Annual Investment Portfolio Checkup
Replies: 4
Views: 553

Annual Investment Portfolio Checkup

It's that time of year again and need an annual Boglehead checkup. I'd like to meet my target allocation of 40% U.S. stock, 30% Intm bond, 20% Foreign Stock, 10% Real Estate (REIT). Our Info: Emergency Fund: Yes - 12months Debt: $170k mortgage @ 3.375% Tax Filing: Married filing Jointly Tax Rate: 25...
by mwow83
Tue Jan 29, 2013 9:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Annual Investment Portfolio Checkup
Replies: 4
Views: 553

Re: Advice on Intermediate Bonds for 457

And frankly, there is something unseemly about a bond fund wanting 3.75%-4.50% up front in a time when yields are so low. Go with PIMCO Total Return. Skip the up front load(s). Thank you. My thoughts exactly how bonds want that kind of upfront load. Either way, just wanted to do a sanity check. App...
by mwow83
Mon Jul 16, 2012 8:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice on Intermediate Bonds for 457
Replies: 3
Views: 1527

Advice on Intermediate Bonds for 457

You have all helped me so much consolidate and lean my portfolio - I have just one more favor! I'm looking to put money into Intermediate Bonds, my wife's 457 has the following options: Neuberger Berman Core Bond (NCRAX, 0.87% and 4.25% Front Load) PIMCO Total Return (PTRRX, 1.1%) Federated Bond (FD...
by mwow83
Mon Jul 16, 2012 6:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice on Intermediate Bonds for 457
Replies: 3
Views: 1527

Re: Which account to place cash?

If you're looking to use this money in the near-term, perhaps a money market. Granted the best rates I've seen are from Ally right now (around 0.8%), but the money can be used as if it were in a Savings account. Good luck
by mwow83
Sun Jul 08, 2012 8:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Which account to place cash?
Replies: 5
Views: 674

Re: Part2 of Recently Married | Need Portfolio Help

EDITS: misunderstood OP's current vs. proposed. Revised version here. I misunderstood that you were switching the 457 to a new Her Traditional IRA Taxable 4% I Bond His 401k <--- Future contributions, $16,590 per year, go here, in same proportions 34% S&P 500 Indexed Equity Fund SVSPX (0.11%) 8...
by mwow83
Sat Jul 07, 2012 11:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Part2 of Recently Married | Need Portfolio Help
Replies: 18
Views: 1107

Re: Part2 of Recently Married | Need Portfolio Help

In my opinion your desired asset allocation is within the range of what is reasonable. In constructing a portfolio, generally strive for a combination of low cost and broad diversification. Fortunately the 401k and 403b have some nice choices, so there are probably several good ways to do this. If ...
by mwow83
Fri Jul 06, 2012 8:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Part2 of Recently Married | Need Portfolio Help
Replies: 18
Views: 1107

Re: Part2 of Recently Married | Need Portfolio Help

First off, Easy Rhino and hoppy08520 - THANK YOU! I appreciate your help. Her 457 4% Her 457B I'm planning to pull the 457B from the advisor and invest in a traditional IRA at Vanguard, which do you recommend to fit within our overall portfolio? HER Roth 0% Vanguard TBM I'm confused with the 0%... A...
by mwow83
Fri Jul 06, 2012 8:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Part2 of Recently Married | Need Portfolio Help
Replies: 18
Views: 1107

Re: Part2 of Recently Married | Need Portfolio Help

Hello, I'm trying to come up with a possibility but I'm stuck on how/where to send new contributions. I'm trying to come up with something that is reasonably balanced today and which can also stay balanced given ongoing contributions without needing to do frequent rebalancing/exchanging. You give f...
by mwow83
Fri Jul 06, 2012 6:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Part2 of Recently Married | Need Portfolio Help
Replies: 18
Views: 1107

Re: Part2 of Recently Married | Need Portfolio Help

Do you know what investments are available in her 457 plan/advisor? The other question is if she's allowed to do a transfer out of her 457 while still employed. The main reason we'd like to pull the money is because the advisor won't share that information. He's states that this is a "managed&...
by mwow83
Fri Jul 06, 2012 5:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Part2 of Recently Married | Need Portfolio Help
Replies: 18
Views: 1107

Re: Part2 of Recently Married | Need Portfolio Help

unless you have somewhat significant other income that you aren't listing, I think you can get to the 15% bracket... but depends if you want to break that $20K savings item you've listed... and also depends on the restriction of 3% for wife contributions. What's the deal there anyway? We don't have...
by mwow83
Fri Jul 06, 2012 5:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Part2 of Recently Married | Need Portfolio Help
Replies: 18
Views: 1107

Re: Part2 of Recently Married | Need Portfolio Help

You left out an important part, unless your earlier post settled the question, which is what funds you're going to use. Not much point in looking at your "current" portfolio if you don't have your "proposed" portfolio. I was hoping the community could help with that, based on th...
by mwow83
Fri Jul 06, 2012 2:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Part2 of Recently Married | Need Portfolio Help
Replies: 18
Views: 1107

Part2 of Recently Married | Need Portfolio Help

I’ve been lurking for some time now and have posted a few questions – thank you all for the feedback. I’m getting ready to make changes to our (my wife and my) retirements accounts. The feedback I got was that I need to view everything we have as one portfolio - I couldn't agree more. Our goal is to...
by mwow83
Fri Jul 06, 2012 9:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Part2 of Recently Married | Need Portfolio Help
Replies: 18
Views: 1107

Re: Advice for In-laws to Save Money Toward Retirement

mptfan wrote:Did they ask you for help? In my experience, unsolicited financial advice is not well received.


I agree - I certainly wouldn't tread on those waters. The help was solicited.
by mwow83
Tue Jul 03, 2012 11:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice for In-laws to Save Money Toward Retirement
Replies: 4
Views: 455

Advice for In-laws to Save Money Toward Retirement

Looking for advice for my in-laws. They're in their mid-50's and don't have much saved for retirement, due to health issues that occurred years ago. Right now, I'm trying to help create a portfolio - with $20k where they can put money with low risk and yield a better return than a standard savings a...
by mwow83
Tue Jul 03, 2012 10:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice for In-laws to Save Money Toward Retirement
Replies: 4
Views: 455

Re: Recently Married | Personal Investment Recommendations

In my opinion your desired asset allocation is within the range of what is reasonable. In constructing a portfolio, generally strive for a combination of low cost and broad diversification. Fortunately the 401k and 403b have some nice choices, so there are probably several good ways to do this. If ...
by mwow83
Tue Jul 03, 2012 10:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Recently Married | Personal Investment Recommendations
Replies: 13
Views: 1297

Re: Recently Married | Personal Investment Recommendations

I appreciate the comments so far - I've updated my original post with all of the relevant info.

An additional question: Which Vanguard funds should I contribute toward with both (his and her's) IRA money? Right now it's the Wellington (VWELX) and Target 2050 Fund (VFIFX)...
by mwow83
Tue Jul 03, 2012 2:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Recently Married | Personal Investment Recommendations
Replies: 13
Views: 1297

Re: Recently Married | Personal Investment Recommendations

We need the selections (with expenses) for the 401(k)/403(b)/457. Brian His 401k options (couldn't find fees of ticker symbols): Government Short Term Investment Fund HSJYX (0.17%) Stable Value Fund (0.3%) Broad Market Bond Index Fund NOBOX (0.13%) S&P 500 Indexed Equity Fund SVSPX (0.11%) Valu...
by mwow83
Mon Jul 02, 2012 6:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Recently Married | Personal Investment Recommendations
Replies: 13
Views: 1297

Re: Recently Married | Personal Investment Recommendations

Are those CD's part of the emergency fund, or just cash sloshing around in your life? Not part of the emergency fund, just extra cash sloshing around :) And for the 457, i don't know what "managed" means, and 0.25% expense ratios seem far too low, I wonder if the advisor is charging a fee...
by mwow83
Mon Jul 02, 2012 6:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Recently Married | Personal Investment Recommendations
Replies: 13
Views: 1297

Re: Recently Married | Personal Investment Recommendations

We need the selections (with expenses) for the 401(k)/403(b)/457. Brian His 401k options (couldn't find fees of ticker symbols): Government Short Term Investment Fund Stable Value Fund Broad Market Bond Index Fund S&P 500 Indexed Equity Fund Value Equity Fund Investment Company of America Fund ...
by mwow83
Mon Jul 02, 2012 2:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Recently Married | Personal Investment Recommendations
Replies: 13
Views: 1297

Recently Married | Personal Investment Recommendations

First and foremost, thank you. I appreciate any comments, recommendations, and/or insight anyone can provide with me regarding investing. These forums appear to be a wealth of knowledge and I've been extremely impressed with the recommendations and insights that those commenting have provided. My wi...
by mwow83
Mon Jul 02, 2012 8:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Recently Married | Personal Investment Recommendations
Replies: 13
Views: 1297

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