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Recos for Tax-exempt Bond funds

Tax advantaged accounts are crowded, so looking for a Tax-exempt Bond fund (for taxable account) as part of my 3 fund portfolio. Just bought VTSAX, VTIAX - In taxable account Looking for tax-exempt bond preferably at Vanguard or Fidelity - I have accounts with both, based out of TX I've heard of fol...
by primus
Mon Jul 22, 2013 11:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Recos for Tax-exempt Bond funds
Replies: 1
Views: 230

Re: Reinvest dividends? Tax consequences?

Great! Thx a bunch for your quick response. Much appreciated
by primus
Mon Jul 22, 2013 11:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Reinvest dividends? Tax consequences?
Replies: 7
Views: 1023

Reinvest dividends? Tax consequences?

Opened a new Brokerage account at Vanguard (first step towards 3 fund portfolio) Mutual funds - From a tax perspective, is it better to re-invest dividends or draw them out to a separate account? If I chose to reinvest, will it be painful to report during tax time? I have some ETFs as well, wherein ...
by primus
Fri Jul 19, 2013 11:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Reinvest dividends? Tax consequences?
Replies: 7
Views: 1023

Re: Suggestions for online broker + help fix a rookie mistak

Maybe I am talking to myself at this point ;- However, further reading tells me, I should tweak this as follows: Tax Deferred 401k 161k (VFORX) @ 0.18% Maxing out at 17,500/year Tax advantage: Roth IRA @ Vanguard - 10,500 (VTIVX) @ 0.18% 25% - Vanguard Total Bond Market Index Fund Admiral Shares (VB...
by primus
Sun Jul 14, 2013 11:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Suggestions for online broker + help fix a rookie mistake
Replies: 25
Views: 1732

Re: Suggestions for online broker + help fix a rookie mistak

Thx! I've sort of concluded to not have a medium term plan. Its not like I have a specific need in 5yrs. When I thought about this a little more, it almost sounded like I am creating another rainy day fund. Not needed. Regarding ESPP: Thanks for that article. Totally makes sense and in the past, I u...
by primus
Sun Jul 14, 2013 5:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Suggestions for online broker + help fix a rookie mistake
Replies: 25
Views: 1732

Re: Suggestions for online broker + help fix a rookie mistak

Thx. I forgot to mention that I recently paid off my 2nd lien ($65k @6.75%) & not too worried about first mortgage, as I refi'd it with lower interest rate. My ask, again is around these 3 pieces (taxable)- Long Term investment $15k, won't need it until retirement (~30 odd yrs) open to invest fo...
by primus
Sat Jul 13, 2013 11:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Suggestions for online broker + help fix a rookie mistake
Replies: 25
Views: 1732

Re: Suggestions for online broker + help fix a rookie mistak

Let's stick to Vanguard or Fidelity funds, whichever is better. Open to ETFs or Mutual Fund lazy portfolios Tax Deferred 401k 161k (VFORX) @ 0.18% Maxing out at 17,500/year Post-Tax: - Open to changes Roth IRA @ Vanguard - 10,500 (VTIVX) @ 0.18% II Taxable - Need help ESPP - ~100k - We can ignore th...
by primus
Sat Jul 13, 2013 3:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Suggestions for online broker + help fix a rookie mistake
Replies: 25
Views: 1732

Re: Suggestions for online broker + help fix a rookie mistak

See comments below in blue. I should have 10k in cash after clearing off my 2nd lien (@6.5%) and hoping to invest towards an aggressive portfolio First lien is sitting pretty @ 3.5% which I am not in a hurry to clear. Have 30+ yrs for retirement (don't fancy an early retirement) Expertise: min, sma...
by primus
Sat Jul 13, 2013 2:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Suggestions for online broker + help fix a rookie mistake
Replies: 25
Views: 1732

Re: Suggestions for online broker + help fix a rookie mistak

Agreed or rather, learning ;- BTW, I keep reading articles which say ETFs are more cost effective than mutual funds with comparable performance (passive vs. actively managed) If yes, why do mutual fund continue to exist? Additionally, I see threads here wherein some bogle heads prefer mutual funds o...
by primus
Fri Jul 12, 2013 2:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Suggestions for online broker + help fix a rookie mistake
Replies: 25
Views: 1732

Re: Suggestions for online broker + help fix a rookie mistak

Wow, did not expect this but definitely good learning. Thanks guys!
I guess, if you have the pile of cash, you are better of investing lump-sum, especially when market is up.

Will do.

Thanks again!
by primus
Fri Jul 12, 2013 1:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Suggestions for online broker + help fix a rookie mistake
Replies: 25
Views: 1732

Re: Suggestions for online broker + help fix a rookie mistak

Absolutely appreciate the response. I think I am not doing a good job explaining my situation or my question ... I understand that 2 months is too small to judge aggressive portfolios. I get that. My point is that - I think I made a mistake by buying-in at one shot. Investing 10.5k at one go vs. buy...
by primus
Thu Jul 11, 2013 2:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Suggestions for online broker + help fix a rookie mistake
Replies: 25
Views: 1732

Re: Suggestions for online broker + help fix a rookie mistak

Apologies, for being vague or providing incorrect time frame - I opened the Roth account just before tax deadline (April) and did not buy-in to the 2045 fund until early to mid-May Started with 10.5k and currently at 10.4k :( Q1: Based on the above, do I continue as-is or do you suggest any changes?...
by primus
Thu Jul 11, 2013 11:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Suggestions for online broker + help fix a rookie mistake
Replies: 25
Views: 1732

Suggestions for online broker + help fix a rookie mistake

I should have 10k in cash after clearing off my 2nd lien (@6.5%) and hoping to invest towards an aggressive portfolio First lien is sitting pretty @ 3.5% which I am not in a hurry to clear. Have 30+ yrs for retirement (don't fancy an early retirement) Expertise: min, small time investor, been readin...
by primus
Thu Jul 11, 2013 2:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Suggestions for online broker + help fix a rookie mistake
Replies: 25
Views: 1732

Re: Roth IRA fund options

Thx guys. Thanks for your response. Yes, I contributed for both 2012 & 2013 for each of us. So, $10,500 each The blogs are definitely helpful. I started reading how pick funds by risk vs. date. On your comment of investing in the underlying funds (3 fund investment) What's the different between ...
by primus
Mon May 13, 2013 1:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA fund options
Replies: 4
Views: 791

Roth IRA fund options

Hey Guys Looking for some tips in picking Roth IRA funds. I opened 2 accounts, for my wife and I with $10,500 each @ Vanguard Unless there are some other compelling options, I'd probably maintain it with Vanguard That said, I don't know which funds to pick - Here are some options I explored (prefer ...
by primus
Thu May 09, 2013 12:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA fund options
Replies: 4
Views: 791

Re: Backdoor Roth Q <sorry for being slow on the uptake>

Thanks tyler_cracker. This was perfect!
by primus
Wed Apr 24, 2013 12:25 am
 
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth Q <sorry for being slow on the uptake>
Replies: 13
Views: 1109

Re: Backdoor Roth Q <sorry for being slow on the uptake>

Just when I thought I was done...Taxes! As mentioned earlier, I made non-deductible tRA contributions to 2012 (5k) & 2013 (5.5k) & converted them to Roth (backdoor) Now, I haven't received any 1099-Rs from Vanguard. So, am I right in assuming that I don't report anything while I do taxes for...
by primus
Mon Apr 01, 2013 12:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth Q <sorry for being slow on the uptake>
Replies: 13
Views: 1109

Re: Advice for 401k & Roth allocation

friendly bump :sharebeer
by primus
Wed Mar 06, 2013 9:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice for 401k & Roth allocation
Replies: 8
Views: 1331

Re: Advice for 401k & Roth allocation

You will need to provide the Expense Ratio of each of the funds available in both 401k. Done You need to decide upon an Asset Allocation based on your Need, Ability and Willingness for risk. That is, how much in stocks vs bonds and how much US vs International in stocks. An example might be 60/40 s...
by primus
Wed Mar 06, 2013 1:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice for 401k & Roth allocation
Replies: 8
Views: 1331

Re: Advice for 401k & Roth allocation

:happy Friendly bump - Thanks!
by primus
Sun Mar 03, 2013 5:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice for 401k & Roth allocation
Replies: 8
Views: 1331

Re: Backdoor Roth Q <sorry for being slow on the uptake>

Appreciate all advise. I was successfully able to convert my accounts!
by primus
Sat Mar 02, 2013 4:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth Q <sorry for being slow on the uptake>
Replies: 13
Views: 1109

Advice for 401k & Roth allocation

Emergency Funds: 3-4 months expenses set aside Debt: 465k @ 3.75% Tax Filing: Married filing jointly Tax Rate: 28% State: TX Age: 35, 33 Annual household income: ~350K Current Retirement Assets: His 401(k) Maxing out at 17,500 per year Current Allocation: BTC LIFEPATH 2040 L- 70% VANG SM GR IDX INST...
by primus
Sat Mar 02, 2013 4:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice for 401k & Roth allocation
Replies: 8
Views: 1331

Re: Backdoor Roth Q <sorry for being slow on the uptake>

Thx a bunch guys! I 'think' I get it ;- Every year, I keep funding my tRA account and convert to existing Roth. In other words, maintain two accounts, Any recommendations on a decent fund (MMA or other) from Fidelity? This is just to temporarily fund my tRA. Once I convert to Roth, I may just transf...
by primus
Tue Feb 26, 2013 1:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth Q <sorry for being slow on the uptake>
Replies: 13
Views: 1109

Backdoor Roth Q <sorry for being slow on the uptake>

I am sure this has been asked before and I can swear I've read it but can't seem to find it - Backdoor Roth procedures <the way I understand it> For 2012: 1. Open tRA (@Fidelity) & contribute $5k max to maybe an MMA fund 2. Open Roth IRA - nothing in it yet 3. Wait for a day and convert tRA to R...
by primus
Tue Feb 26, 2013 2:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth Q <sorry for being slow on the uptake>
Replies: 13
Views: 1109

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