Bogleheads.org

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...

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...

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...

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!

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.

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...

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 ...

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...

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

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...

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?

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

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...

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...

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...

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?

YDNAL and ruralavalon, thanks for the explanations.

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...

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.

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.

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 ...

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...

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!

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...

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...

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...

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...