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Re: 401a 's: TIAA-CREF vs Vanguard vs Fidelity

We have a similar 401a at the Fire district I work for. I make my contributions to a 457b plan (instead of a 401k) schools and hospitals usually use 403b for employee contributions. Public. Employers have different rules on retirement matching. The 401a is employer contributions only. I don't know t...
by nwffdiver
Thu Oct 23, 2014 2:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401a 's: TIAA-CREF vs Vanguard vs Fidelity
Replies: 10
Views: 795

Re: IRS Announces new 401(k) contribution max for 2015 ($18,

That's good news, but I really wish they would raise the IRA limit, so I could put more into our Roths.
by nwffdiver
Thu Oct 23, 2014 2:31 pm
 
Forum: Investing - Theory, News & General
Topic: IRS Announces new 401(k) contribution max for 2015 ($18,000)
Replies: 34
Views: 4155

Re: The 1 Thing Successful Investors Never Do

Good read.. I wanted to post all of the things I have done wrong, so maybe some young people won't lose out on all the years I did.
by nwffdiver
Wed Oct 22, 2014 9:35 pm
 
Forum: Investing - Theory, News & General
Topic: The 1 Thing Successful Investors Never Do
Replies: 10
Views: 3002

Re: A MM account or not?

Thanks everybody.. That's what I thought. I just wanted to hear it from the masses. More $ in the Ally account means more interest. Easy.
by nwffdiver
Wed Oct 22, 2014 9:23 pm
 
Forum: Investing - Theory, News & General
Topic: A MM account or not?
Replies: 5
Views: 656

A MM account or not?

I recently closed a small taxable account I had($5000). I was thinking of opening a VG PrimeMM account as a place to put it until I can add it (most of it) into my 2015 Roth. I plan to leave about $500 in there, then after I fill up mine and the wife's Roths, keep adding a couple hundred a month the...
by nwffdiver
Wed Oct 22, 2014 7:37 pm
 
Forum: Investing - Theory, News & General
Topic: A MM account or not?
Replies: 5
Views: 656

Re: 2 Fund + International?

Sounds like maybe you should look into a SEP IRA for each of you. I am not a business owner, so can't give all details, but you should each be putting at least the $17,500 into tax advantaged accounts before taxable. Sounds like you are already doing the IRA. Always maximize your tax advantaged spac...
by nwffdiver
Wed Oct 22, 2014 7:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: 2 Fund + International?
Replies: 13
Views: 816

Re: Sixth anniversary of worst week ever for stocks

Wish I had a neat story, I was dumb during 2000-2002 and got out. Luckily for me I didn't want to miss out on our departments match so I stayed in. My dad unfortunately got sick and had to retire with his 401k down around 45%.
by nwffdiver
Sat Oct 11, 2014 5:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Sixth anniversary of worst week ever for stocks
Replies: 51
Views: 4000

Re: Success Stories of Bogleheads

Hardly a success, but I'm working on it. About a year and a half ago I received a windfall (not a huge amount, but enough that I knew I didn't want to mess it up). Thankfully I found this site. I learned about 529's for my son, all about Roth IRAs and most importantly costs. Having never really thou...
by nwffdiver
Sun Dec 01, 2013 3:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Success Stories of Bogleheads
Replies: 62
Views: 6556

Re: Confused about contribution limits - 401(a), 403(b)

I am not sure about the Social Security aspect of your situation , but I'll take a partial stab at your 401(a) question. I. Too work for a governmental entity (FD) we have a 457(b) plan as opposed to a 403(b) this is where I make my deferred Comp ($17,500) per year. My employer matches up to 5% of m...
by nwffdiver
Wed Nov 27, 2013 4:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Confused about contribution limits - 401(a), 403(b)
Replies: 6
Views: 540

Re: 401k funds expense ratio? [Portfolio help]

I'll bump you up by saying if you add the expense ratios to the funds you will get more information.
by nwffdiver
Sat Nov 16, 2013 6:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k funds expense ratio? [Portfolio help]
Replies: 4
Views: 538

Re: 23 year old new investor looking for valuable wisdom

Your young, the TSP. Is the cheapest (401k like) plan there is. Use it, you make a low amount so use the Roth option (as you will most likely make more $ later in life). I would contribute as much as possible to that. Saving ER costs are the best way to improve ending balances. Wish I had done it wh...
by nwffdiver
Fri Nov 15, 2013 12:52 am
 
Forum: Investing - Help with Personal Investments
Topic: 23 year old new investor looking for valuable wisdom
Replies: 14
Views: 1460

Re: Portfolio Allocation Advice - 31 in OR

Wow I wish my 457 was this good. :(
by nwffdiver
Wed Nov 06, 2013 3:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Allocation Advice - 31 in OR
Replies: 19
Views: 2348

Re: Emergency Fund

Also consider laddering CDs in your emergency fund. Since an emergency fund is meant to cover a certain number of months expenses, you can gradually shift an emergency fund into a CD ladder that would ensure that one month of expenses is always coming "due" in the CD. So if you have a 6 m...
by nwffdiver
Wed Nov 06, 2013 3:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund
Replies: 13
Views: 1673

Re: 32 y.o. Investor Looking to Add Fund to Taxable Acct

Curious why you duplicated VTIAX and VTSAX in both Roths? Why not put all VTIAX in hers16%, and VTSAX in his 13%. Save a little on er's .
by nwffdiver
Sun Nov 03, 2013 6:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: 32 y.o. Investor Looking to Add Fund to Taxable Acct
Replies: 9
Views: 993

Re: Chase Bank Investments at 4%

Just thought I'd share the following with the community here. Six months ago I had zero knowledge about investing, but I had an inheritance and I knew I had to take the plunge. Up until this point in life, I had no savings. Being an academic, I had extensive student loans to pay off first, and my p...
by nwffdiver
Sun Nov 03, 2013 6:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Chase Bank Investments at 4%
Replies: 24
Views: 3843

Re: Nov 2013 I Bond Rate - 1.38% (0.20% Fixed)

Wow, what a surprise! I would have lost money betting on that. I guess they need the money. Funny , I asked earlier in the month if anybody knew what the new rates would be as usually you know by Oct15. Nobody expected it to be better so I bought $2k. Thankfully I still have 3 left to buy this year...
by nwffdiver
Fri Nov 01, 2013 1:41 pm
 
Forum: Investing - Theory, News & General
Topic: Nov 2013 I Bond Rate - 1.38% (0.20% Fixed)
Replies: 94
Views: 7537

Re: New ibond rates for nov 2013

Any updates? On the rates? I already bought 2k this month, if the rate goes down/up ...ok have 2k more for this year. :happy
by nwffdiver
Thu Oct 24, 2013 10:23 pm
 
Forum: Investing - Theory, News & General
Topic: New ibond rates for nov 2013
Replies: 45
Views: 8155

New ibond rates for nov 2013

Has anyone seen the new rates for ibonds? I know they usually come out by the 15th of the month prior (maybe the government shutdown). I looked around the TD website and couldn't find anything new.
by nwffdiver
Sat Oct 19, 2013 4:33 pm
 
Forum: Investing - Theory, News & General
Topic: New ibond rates for nov 2013
Replies: 45
Views: 8155

Re: Advice on Portfolio - Asset Allocations

Also you could easily save 65 basis points by using the Northern Trust Collective Russell 2000 Index Fund - DC Non-Lending, ER: 0.05% instead of the T.Rowe Price Institutional Small-Cap Stock Fund (TRSSX), 0.7%. You have some really good choices in your 401k I would definitely max all available space.
by nwffdiver
Sat Oct 19, 2013 4:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice on Portfolio - Asset Allocations
Replies: 11
Views: 1290

Re: When To Buy I Bonds and EE Bonds - Now or Wait?

I am currently waiting to see the I bond rate (they usually release the rate by mid October). Then you can either buy in Oct. (before the 31st) or if the rate is better buy on Nov1. BTW even if you buy on Oct 31 it dates as October 1.2013.. Just food for thought
by nwffdiver
Sat Sep 28, 2013 9:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: When To Buy I Bonds and EE Bonds - Now or Wait?
Replies: 11
Views: 2550

Re: Portfolio Allocation Advice - 31 in OR

I break down the IAP into component fractions in my assets spreadsheet....because although I have no control over its composition I do bear the associated market risks, and this is relevant to balancing the discretionary assets. From docs available at the PERS site and Oregon treasury dept, I model ...
by nwffdiver
Wed Sep 11, 2013 10:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Allocation Advice - 31 in OR
Replies: 19
Views: 2348

Re: 457 advice for not a knowledgable investor

If she has a 457 and a 401a it is because as stated " No employer match can go into a 457b plan". I am also a public employee, and my employers match is put into a 401a account. So yes you can have both. I also have a PEHP account (post employment healthcare plan) for paying healthcare pre...
by nwffdiver
Thu Mar 14, 2013 5:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: 457 advice for not a knowledgable investor
Replies: 17
Views: 947

Re: Poor couple looking for retirement IRA advice

Congrats to you and you husband for turning your lives around. Investing your tax refund is a great idea ( It's money you weren't counting on so, it's not missed). A Roth IRA is simple to open, it can be done online in about 10 minutes. The instructions are simple just fill in the information and li...
by nwffdiver
Sun Feb 10, 2013 8:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Poor couple looking for retirement IRA advice
Replies: 42
Views: 4700

Re: Just Maxed Roth, What Now?

Okta, If you do buy in with $6000 in VTSMX when you carry a balance of over $10k Vanguard will change you to Admiral shares and the lower ER. One thing to think about is how much US equities is in your ISP. The 2050 fund will have a significant amount in it. That could make your overall amount highe...
by nwffdiver
Wed Feb 06, 2013 3:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just Maxed Roth, What Now?
Replies: 6
Views: 854

Re: administrative fees

munnix wrote: Wish I knew about Jack Bogle and his investing philosophy earlier in my career. Would have made fewer bad decisions.


I think a lot of us here would agree with that statement! :greedy
by nwffdiver
Sun Jan 27, 2013 7:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: administrative fees
Replies: 9
Views: 645

Re: 401k Match & Emergency Fund, What Next?

I agree with JSL, since your job may not be as secure as your wife. 1/2 to the student loans, 1/2 to your EF. Congrats on getting a young start with the Roths.
by nwffdiver
Thu Jan 10, 2013 3:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k Match & Emergency Fund, What Next?
Replies: 13
Views: 1182

Re: Setting Up Roth IRA with Vanguard - Please Help

The target retirement fund is a great place to start. You're young, great to see you thinking about the future. I wish I would have at 26. Put the 5k for 2012 in a TR or LS fund. Then put in 5.5k next year then you'll have enough to exchange into a Total Stock, Total International stock, and a Total...
by nwffdiver
Thu Jan 10, 2013 3:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Setting Up Roth IRA with Vanguard - Please Help
Replies: 9
Views: 2482

Re: Exchanging taxable VGTSX into Roth?

I just did this very thing a few days ago. Last year I had some extra cash, and my International fund offered in my 457 plan is the most espensive fund I use there.I had already maxed both mine and my wifes Roth's. I though since I already have some Total International SM (VGTSX) in my Roth I would ...
by nwffdiver
Tue Jan 08, 2013 6:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Exchanging taxable VGTSX into Roth?
Replies: 8
Views: 642

Re: Portfolio advice for 30yr old married couple

I agree with beta, you could switch his traditional IRA to Total International Stock Market VTIAX and since its already at 16.8% additional small contributions would cover your INT easy enough. You really should have some International stocks.. Opinions vary on how much I personally like 25%, many p...
by nwffdiver
Mon Dec 31, 2012 11:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice for 30yr old married couple
Replies: 5
Views: 966

Re: Question for Ally Bank IRA CD buyers re: fund transfers

If you do call, let us all know what they said. I too have Ally CD's , but no IRA CD's. I'd be interested to know :happy
by nwffdiver
Mon Dec 31, 2012 9:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question for Ally Bank IRA CD buyers re: fund transfers
Replies: 8
Views: 851

Re: how does IWV compare to VG TSM?

Thanks Nispirius, That's way more info than I was able to find. I am pretty sure I'm going to switch as even though it uses the IWV ETF (ER .035) as opposed to a mutual fund for the Total stock index it is even more cheaper than my current combo of an S&P 500 index and a Small Cap Index at .44 a...
by nwffdiver
Fri Dec 28, 2012 10:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: how does IWV compare to VG TSM?
Replies: 5
Views: 480

Re: how does IWV compare to VG TSM?

Thanks Livesoft, I looked at M* , bit unfortunately most of the articles require a premium membership, and I don't have one. I did find a few other pages about them, and they say they are similar although VTI or VG TSM is more complete. Anyone else have any other insight or suggestions?
by nwffdiver
Fri Dec 28, 2012 4:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: how does IWV compare to VG TSM?
Replies: 5
Views: 480

Re: Money Market vs. online bank: what am I missing?

My Ally account pays more than my Bank of America 18 month CD. I can't pull it out early or they'll charge me like $30. Just another of the investing mistakes I made before Educating myself!

And MM accounts are even worse now :oops:
by nwffdiver
Fri Dec 28, 2012 2:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Money Market vs. online bank: what am I missing?
Replies: 6
Views: 639

how does IWV compare to VG TSM?

At work we are eligible for 4 different 457 plans. I have always had ING, I started looking at the ER's in the Oregon Growth Savings plan and their Index stock Option is iShares Russell 3000 index, with an ER of .035. Their Int Bond is .10 (combination of 3 bond funds 1 index, 2 managed), but the In...
by nwffdiver
Fri Dec 28, 2012 2:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: how does IWV compare to VG TSM?
Replies: 5
Views: 480

Re: New book available. Get yours FREE Dec 22 & 23

Steve thank you and Dan for writing a book about your personal journey. It made me reflect on a couple of big mistakes I made earlier in my saving career. The whole Boglehead community is very special, and I feel lucky to be a part of it. I read the book in its entirety yesterday. A great read. I ho...
by nwffdiver
Wed Dec 26, 2012 12:37 am
 
Forum: Investing - Theory, News & General
Topic: UPDATE: Get yours FREE this Sunday, Feb 3
Replies: 60
Views: 10520

Re: Would like to streamline my portfolio

So. I guess I may need to rethink my need for REITs as well. I get the impression they add more volatility, and MAYBE some non correlated diversification. Possibly more complication than I need. I appreciate everyone who has given me ideas here. I have learned more on this board, and reading the BGH...
by nwffdiver
Sat Nov 17, 2012 12:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Would like to streamline my portfolio
Replies: 20
Views: 1979

Re: Would like to streamline my portfolio

YDNAL,

His/Her Roth IRA
9% Vanguard IT Bond Index (VBIIX 0.22%, VBILX 0.11% over $10,000)
[color=#0000FF]

Is there a reason you prefer the Intermediate term bond to VG TBM?
by nwffdiver
Sat Nov 17, 2012 12:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Would like to streamline my portfolio
Replies: 20
Views: 1979

Re: Would like to streamline my portfolio

YDNAL and ruralavalon, thanks for the explanations.
by nwffdiver
Thu Nov 15, 2012 10:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Would like to streamline my portfolio
Replies: 20
Views: 1979

Re: Would like to streamline my portfolio

Thanks for all the replies, obviously I have some work to do. One question I thought I might use the SEIX bond in her 401 as the expense was lower than the PIMCO, yet everyone seems to have avoided it. Is there a reason, or was it just how everything lined up? I was definitely planning on moving the...
by nwffdiver
Thu Nov 15, 2012 6:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Would like to streamline my portfolio
Replies: 20
Views: 1979

Re: Would like to streamline my portfolio

The IAP is a secondary account (part of my pension plan) I added it in the total as it is amount added for consideration. However I have no control over how the money is invested. I probably should have left it out of the conversation .

So for discussion my total is about 165k.
by nwffdiver
Thu Nov 15, 2012 3:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Would like to streamline my portfolio
Replies: 20
Views: 1979

Re: Would like to streamline my portfolio

223k includes the 58k in the IAP, it's actually only 165k I have control over the accounts. The IAP is run by the PERS investment council. It grows by 6% of my salary annually.

So I added it into the total, sorry I should have been clearer on that.
by nwffdiver
Thu Nov 15, 2012 12:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Would like to streamline my portfolio
Replies: 20
Views: 1979

Re: Would like to streamline my portfolio

Pingo, I just forgot to add the taxable percentages. I realize my wife's plan has much better cost than mine. She doesn't make near the money I do so she feels like if she contributes more, we won't have enough cash for day to day. I do consider those as part of my FI. How can I divide up the other ...
by nwffdiver
Thu Nov 15, 2012 12:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Would like to streamline my portfolio
Replies: 20
Views: 1979

Would like to streamline my portfolio

I want to thank everyone for the first round of help streamlining my portfolio. I have instituted all the lowest cost index funds available in my different accounts. Wondering how it looks ? **Update** Emergency Fund: 5-6 months Debt: Mortgage: 148K @ 3% (15 yr) Tax Filing Status: Married filing Joi...
by nwffdiver
Thu Nov 15, 2012 12:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Would like to streamline my portfolio
Replies: 20
Views: 1979

Re: Dear Bogleheads - time to pony up

I am new to the site, but I have to admit I missed it during the superstorm. Kept checking every couple hours. PayPal made it an easy donation. Thanks to all the admins for their work, and everyone else for all the great free information! :D
by nwffdiver
Sun Nov 04, 2012 9:48 pm
 
Forum: Forum Issues and Administration
Topic: [merged donation threads] Dear Bogleheads - time to pony up
Replies: 277
Views: 15331

Re: Fund picking and is a Roth IRA right for me?

I am in a very similar situation, and actually think we share the same NW funds. (I'm about 10 years ahead age wise) but since your employer doesn't give a match you should definitely max out a Roth IRA before adding more money to your 457. I worry that my PERS (pension) may actually be voted out of...
by nwffdiver
Tue Oct 23, 2012 5:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fund picking and is a Roth IRA right for me?
Replies: 4
Views: 494

Re: Fund picking and is a Roth IRA right for me?

I am in a very similar situation, and actually think we share the same NW funds. (I'm about 10 years ahead age wise) but since your employer doesn't give a match you should definitely max out a Roth IRA before adding more money to your 457. I worry that my PERS (pension) may actually be voted out of...
by nwffdiver
Tue Oct 23, 2012 5:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fund picking and is a Roth IRA right for me?
Replies: 4
Views: 494

Re: A question about I Bonds

First, thanks for the help :happy Remember, you can always redeem I Bonds after the first year if something more attractive comes along. Therefore, I would simply consider them as short-term given the 0% current fixed rate. If they continue to outperform other risk-free investments based on the infl...
by nwffdiver
Mon Oct 15, 2012 8:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: A question about I Bonds
Replies: 3
Views: 729

A question about I Bonds

I am new to the forum (been lurking about a month). My question is about I bonds. The best I can understand from the Treasurys site is that the Fixed rate is currently 0%, but the inflation Rate ( for the next 6 months) is 2.2 %. I realize that is subject to go up or down in the next 6 months. My qu...
by nwffdiver
Mon Oct 15, 2012 5:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: A question about I Bonds
Replies: 3
Views: 729

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