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Re: Vanguard Fund w/ Tax-Efficiency

I'll vote for Tax Managed Balanced Fund combined with a tax-exempt bond fund if needed to bring the stock to bond ratio down to what you want. Or a total market index fund to bring the stock to bond ratio up to what you want. :) Agreed. I just assumed the relative is older and that 50/50 would be t...
by retiredjg
Fri Aug 29, 2014 8:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Fund w/ Tax-Efficiency
Replies: 8
Views: 457

Re: Tax Exempt or Taxable Bond Fund

In general, in the 28% tax bracket, a tax-exempt bond fund should be your default choice if you choose to or must hold bonds in a taxable account. Your research, even if it is not quite apples and apples, shows why. If you can find a state muni bond for the state you live in, you can save even more ...
by retiredjg
Fri Aug 29, 2014 6:32 pm
 
Forum: Investing - Theory, News & General
Topic: Tax Exempt or Taxable Bond Fund
Replies: 3
Views: 250

Re: Vanguard Fund w/ Tax-Efficiency

I'll vote for Tax Managed Balanced Fund combined with a tax-exempt bond fund if needed to bring the stock to bond ratio down to what you want.
by retiredjg
Fri Aug 29, 2014 6:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Fund w/ Tax-Efficiency
Replies: 8
Views: 457

Re: Does anyone have 'Lazy Portfolios'?

The term "lazy portfolio" gets used a lot, but people mean all kinds of things when they use that term. As defined in our Wiki " They are "lazy" in that the investor can maintain the same asset allocation for an extended period of time, as they generally contain 30-40% bonds...
by retiredjg
Fri Aug 29, 2014 6:01 pm
 
Forum: Investing - Theory, News & General
Topic: Does anyone have 'Lazy Portfolios'?
Replies: 34
Views: 1411

Re: Vanguard Target Date "Indexed" Funds

EyeDee wrote:A while back Vanguard switched from the active TIPS fund to Short-Term Inflation-Protected Securities Index Fund, so Vanguard's Target Date Funds are completely index funds now.

Thanks. I didn't know that (or forgot...who knows?) :happy
by retiredjg
Fri Aug 29, 2014 3:17 pm
 
Forum: Investing - Theory, News & General
Topic: is a target date fund considered indexed
Replies: 11
Views: 480

Re: Looking for advice/critique

Is all the money going into taxable for the downpayment?

Can you deduct contributions to tIRA?

Why is there no Her IRA?
by retiredjg
Fri Aug 29, 2014 2:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Looking for advice/critique
Replies: 8
Views: 690

Re: is a target date fund considered indexed

This is what apparently in your TRRBX: Emerging Markets Stock Fund Equity Index 500 Fund Growth Stock Fund High Yield Fund Inflation Focused Bond Fund International Growth & Income Fund International Stock Fund New Income Fund Overseas Stock Fund Value Fund As you can see, it has one index fund ...
by retiredjg
Fri Aug 29, 2014 1:49 pm
 
Forum: Investing - Theory, News & General
Topic: is a target date fund considered indexed
Replies: 11
Views: 480

Re: High net worth in CA - what % of bonds in munis?

Since this all has to be in a taxable account, I'm not sure that taxable bonds are a great answer. On the other hand, if the bond allocation is fairly large, I would not want my entire bond allocation in munis. So maybe I would use taxable bonds even though it is not optimal. This might be a case wh...
by retiredjg
Fri Aug 29, 2014 12:45 pm
 
Forum: Investing - Theory, News & General
Topic: High net worth in CA - what % of bonds in munis?
Replies: 19
Views: 987

Re: Intermediate term tax exempt bond fund or TBM? Pls help

if I put 100% of my Total bond fund in the TA acct and I no longer contribute to it (it's an old simple ira), how would I go about rebalancing? Hmm. Probably need to add an Interm. Tax exempt bond fund to the taxable acct? One that I could contribute to in order to rebalance? You could put bonds in...
by retiredjg
Fri Aug 29, 2014 10:25 am
 
Forum: Investing - Help with Personal Investments
Topic: Intermediate term tax exempt bond fund or TBM? Pls help
Replies: 9
Views: 755

Re: Please help me with new portfolio puzzle

Ok. Continuing to work with this: Taxable 9% 3.1% Total Stock 5.9% Total International New 457 73.2% 42% 500 Index 6.2% Russell 2000 (small cap) 25% Vanguard Total Bond Index Roth IRA 17.8% 9.1% Total International 8.7% for whatever you want (REIT and/or SCV) Here's how to figure out contributions. ...
by retiredjg
Fri Aug 29, 2014 10:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Please help me with new portfolio puzzle
Replies: 17
Views: 1005

Re: TLH in the 15% bracket conundrum(?)

Use it to offset short term capital gains? Yeah, I know it's not much...
by retiredjg
Thu Aug 28, 2014 6:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: TLH in the 15% bracket conundrum(?)
Replies: 4
Views: 431

Re: Please help me with new portfolio puzzle

Ok, I'll play with those numbers tomorrow. With that much going to taxable, you can do pretty much anything.
by retiredjg
Thu Aug 28, 2014 5:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please help me with new portfolio puzzle
Replies: 17
Views: 1005

Re: Please help me with new portfolio puzzle

You'll just have to think this one out. There is no need to decide today, especially if you have a headache. This is somewhat important, but will not ruin your portfolio either way so don't let it become overwhelming. Did they mention if they have ever done something like this? Is it common? Or if n...
by retiredjg
Thu Aug 28, 2014 5:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please help me with new portfolio puzzle
Replies: 17
Views: 1005

Re: Please help me with new portfolio puzzle

I'm actually interested in tilting to small cap value (as opposed to general small cap), so I think I'd like to replicate TSM as much as possible in 457 and add VG Small Cap Value index to accomplish the desired tilt. That's fine too. Just so you'll know. The tilt to "small" and the tilt ...
by retiredjg
Thu Aug 28, 2014 5:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please help me with new portfolio puzzle
Replies: 17
Views: 1005

Re: Intermediate term tax exempt bond fund or TBM? Pls help

The conventional Boglehead approach is to hold all your bonds in some kind of tax-advantaged account. If they won't all fit, some will spill over into your taxable account. That is when and where you have to make a decision between taxable bonds (like total bond market) and a tax-exempt bond (often ...
by retiredjg
Thu Aug 28, 2014 5:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Intermediate term tax exempt bond fund or TBM? Pls help
Replies: 9
Views: 755

Re: I have 1M in Vanguard. Start Diversifying to Real Estate

webenterpreneur wrote:Should I at least diversify to something else other than Vanguard, just in case anything happens with Vanguard?

This link addresses your concerns.

http://www.bogleheads.org/wiki/Vanguard_safety
by retiredjg
Thu Aug 28, 2014 3:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: I have 1M in Vanguard. Start Diversifying to Real Estate?
Replies: 13
Views: 2086

Re: Please help me with new portfolio puzzle

I played around with the 500/mid/Russell 2000 thing. It appears you don't really need the mid-cap fund at all. You can make something resembling the total stock market by using about 86% 500 Index and 14% Russell 2000 (and yes, there are mid-caps that are represented there). Since you have indicated...
by retiredjg
Thu Aug 28, 2014 3:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please help me with new portfolio puzzle
Replies: 17
Views: 1005

Re: Please help me with new portfolio puzzle

Here's an idea based on rolling everything to the new 457b. Taxable 9% 3.1% Total Stock <--unchanged from what you have right now 5.9% Total International <--unchanged from what you have right now New 457 73.2% 48.2% in the 500, Mid, and Russell 2000 <---we'll break this down in a minute 25% Vanguar...
by retiredjg
Thu Aug 28, 2014 11:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Please help me with new portfolio puzzle
Replies: 17
Views: 1005

Re: Please help me with new portfolio puzzle

Austex, it is twice the work and very confusing to work with both percentages and dollar amounts at the same time. Working with percentages alone is MUCH easier and less likely to result in an error. When/if you need to figure out dollar amounts, you can easily convert your finished product (percent...
by retiredjg
Thu Aug 28, 2014 11:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Please help me with new portfolio puzzle
Replies: 17
Views: 1005

Re: Asset Location 3 fund port

25% equity in international? Or should it be 25% of the whole portfolio? Agree with Taylor that it should be a percentage of equity. This is so that the international allocation gets bigger or smaller as the stock allocation gets bigger or smaller. If 75% of the portfolio is equity and 25% (or 1/4t...
by retiredjg
Thu Aug 28, 2014 10:30 am
 
Forum: Investing - Theory, News & General
Topic: Asset Location 3 fund port
Replies: 14
Views: 573

Re: Asset Location 3 fund port

Sorry about the headache.

You said you want "75/25 domestic/int'l". What did you mean by this?
by retiredjg
Thu Aug 28, 2014 9:45 am
 
Forum: Investing - Theory, News & General
Topic: Asset Location 3 fund port
Replies: 14
Views: 573

Re: Asset Location 3 fund port

You've messed up the US and international part. Try this. You can't work with both dollars and percentages at the same time, so work only with percentages because it is easier. When you get finished, you can use the final numbers to figure out how many dollars it is. You want 75% stocks, 25% bonds w...
by retiredjg
Thu Aug 28, 2014 9:33 am
 
Forum: Investing - Theory, News & General
Topic: Asset Location 3 fund port
Replies: 14
Views: 573

Re: What next after exhausting tax advantaged retirement?

Do you currently have any 401k/403b accounts that are receiving money? Are you still contributing to IRAs? Or are you now just saving for retirement in a taxable account? This is not what you asked, but do you know about the back door contribution to Roth IRA? In your situation, Roth IRA would be pr...
by retiredjg
Thu Aug 28, 2014 9:11 am
 
Forum: Investing - Help with Personal Investments
Topic: What next after exhausting tax advantaged retirement?
Replies: 3
Views: 465

Re: I have 1M in Vanguard. Start Diversifying to Real Estate

Real estate is a pain in the rear. I would not do it "to diversify". I would only do it if you have a real interest in doing it.

Seems like a poor fit for someone who wants to be free to travel and stay wherever you want.
by retiredjg
Thu Aug 28, 2014 8:49 am
 
Forum: Investing - Help with Personal Investments
Topic: I have 1M in Vanguard. Start Diversifying to Real Estate?
Replies: 13
Views: 2086

Re: Asset Location 3 fund port

high tax bracket. So like this? Tax Advantaged Vanguard Total Stock Market Index Fund = 50% Vanguard Total International Stock Index Fund = 25% Vanguard Total Bond Market Fund = 25% Taxable: Vanguard Total Stock Market Index Fund = 50% Vanguard Total International Stock Index Fund = 25% Vanguard In...
by retiredjg
Thu Aug 28, 2014 8:42 am
 
Forum: Investing - Theory, News & General
Topic: Asset Location 3 fund port
Replies: 14
Views: 573

Re: Questions: Target 2035/Three fund portfolio

I think your idea is fine, but I think the target date fund you have chosen is too aggressive. You don't have to be at age in bonds, but it might be better to be at least within age minus 10 or 20 in bonds. You could use a different fund - a fund that has something closer to the stock to bond ratio ...
by retiredjg
Thu Aug 28, 2014 8:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Questions: Target 2035/Three fund portfolio
Replies: 8
Views: 592

Re: How to safely sell a big ticket item online

Don't even think of using PayPal, you basically sign away your rights when you use then. Think I've got it figured out. If the buyer has a bank/credit union in a distant location (like I do), I make the phone call to that institution using a phone number I find on the internet. The buyer will give ...
by retiredjg
Thu Aug 28, 2014 7:42 am
 
Forum: Personal Consumer Issues
Topic: How to safely sell a big ticket item online
Replies: 36
Views: 1569

Re: What to do with 401K and 457 from old employer

Are you saying since those 4 core funds have such low expense ratios, it makes sense to roll 401K money into those 4 funds as well with current emp'r unless I need that money available in VG to get enough international? That's how it looks to me. But I don't know the relative sizes of all your acco...
by retiredjg
Wed Aug 27, 2014 5:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with 401K and 457 from old employer
Replies: 23
Views: 1184

Re: What to do with 401K and 457 from old employer

BlackRock Russell 2000 Index CollF - ER=.03% BlackRock Midcap Equity Index CollF - ER=.04% Vanguard 500 Index Signal - ER= .05% Vanguard Total Bond Index - ER=.20% Do you have an opinion about the BlackRock funds relative to the small and mid-cap Vanguard Index funds? With expense ratios like those...
by retiredjg
Wed Aug 27, 2014 4:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with 401K and 457 from old employer
Replies: 23
Views: 1184

Re: How to safely sell a big ticket item online

Think I've got it figured out. If the buyer has a bank/credit union in a distant location (like I do), I make the phone call to that institution using a phone number I find on the internet. The buyer will give his/her wiring instructions and I will give the bank my account information. When the mone...
by retiredjg
Wed Aug 27, 2014 4:05 pm
 
Forum: Personal Consumer Issues
Topic: How to safely sell a big ticket item online
Replies: 36
Views: 1569

Re: How to safely sell a big ticket item online

Most banks allow for person-to-person payments these days. I've researched this on the internet and learned something new! However, I've just had a chat with my credit union and they do not participate. It does bring up the consideration of opening an account with a local big bank just to handle th...
by retiredjg
Wed Aug 27, 2014 3:52 pm
 
Forum: Personal Consumer Issues
Topic: How to safely sell a big ticket item online
Replies: 36
Views: 1569

Re: How to safely sell a big ticket item online

Really? Most banks allow for person-to-person payments these days. I don't know what this is. Can you explain how this would work if we don't both have the same bank? You could also get a Square account and take a credit card. I don't know what this is either, but I guess I'll google it. Why would ...
by retiredjg
Wed Aug 27, 2014 3:17 pm
 
Forum: Personal Consumer Issues
Topic: How to safely sell a big ticket item online
Replies: 36
Views: 1569

Re: How to safely sell a big ticket item online

I'm thinking if I go with the buyer to a bank and see the cashier produce a cashiers/certified check (not sure of the difference yet) that I'll feel fine. I'm not terribly worried about a crook having a bank cashier as a co-conspirator, although I'm sure it could/has happen(ed). Now I need a plan fo...
by retiredjg
Wed Aug 27, 2014 3:03 pm
 
Forum: Personal Consumer Issues
Topic: How to safely sell a big ticket item online
Replies: 36
Views: 1569

Re: Bad(?) advice given about Target Date Retirement funds

So if someone who was 30 years old said I'd prefer an 80/20 allocation and I want something I can just hold long-term, would anyone really advise them to buy the TR 2035 fund instead of the TR 2050 fund? Yes, but remind them to check every few years to see if the fund was migrating too quickly or t...
by retiredjg
Wed Aug 27, 2014 2:40 pm
 
Forum: Investing - Theory, News & General
Topic: Bad(?) advice given about Target Date Retirement funds
Replies: 103
Views: 6342

Re: What to do with 401K and 457 from old employer

Thank you for the quick and helpful reply. No fees with current employer, as of now, but of course that is subject to change with employer and unlikely to change with VG. But what about the expense ratios? I'm not sure I'd roll money into a really lousy plan if I could put it in Vanguard instead. I...
by retiredjg
Wed Aug 27, 2014 2:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with 401K and 457 from old employer
Replies: 23
Views: 1184

Re: How to safely sell a big ticket item online

For the dollar amount involved, offer to meet them at their bank and make them send you a wire if you want. For $25 or so, the money will clear immediately. You could offer to pay for it for the peace of mind. I'd want cash up to a few thousand dollars. I'd take an official bank check for more than...
by retiredjg
Wed Aug 27, 2014 2:09 pm
 
Forum: Personal Consumer Issues
Topic: How to safely sell a big ticket item online
Replies: 36
Views: 1569

Re: What to do with 401K and 457 from old employer

I see an upside (early withdrawal) to keeping the 457 money in 457 status. You can only do this by rolling the old one into the new one. I don't see a downside to this idea, but I didn't see (quick perusal only) any comment from you about the costs of the funds in the new plan. Only your desire to u...
by retiredjg
Wed Aug 27, 2014 1:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with 401K and 457 from old employer
Replies: 23
Views: 1184

Re: How to safely sell a big ticket item online

I've been reading the seller's protection information on the PayPal site. Apparently the seller is not protected if the item is picked up in person. Kinda hard to sell a 5th wheel trailer other than in person. I have one person interested and so far I'm thinking it might be a scam. This person wants...
by retiredjg
Wed Aug 27, 2014 12:53 pm
 
Forum: Personal Consumer Issues
Topic: How to safely sell a big ticket item online
Replies: 36
Views: 1569

How to safely sell a big ticket item online

I've got my 5th wheel trailer for sale on Craigslist. I guess I had planned to ask for a cashier's check, but I now understand there are some pretty good fake ones. I don't have a PayPal account or understand how they work. I really have no idea how to make this transaction safely. Guess I should ha...
by retiredjg
Wed Aug 27, 2014 11:31 am
 
Forum: Personal Consumer Issues
Topic: How to safely sell a big ticket item online
Replies: 36
Views: 1569

Re: The Mega Backdoor Roth IRA

Your quote specifically mentioned traditional IRA In addition to the points you made there's really no way for the plan to know which sort of IRA you intend to deposit it into. Agree. I was curious why your quote specifically mentioned "traditional" so I went looking for clarification and...
by retiredjg
Wed Aug 27, 2014 10:32 am
 
Forum: Investing - Help with Personal Investments
Topic: The Mega Backdoor Roth IRA
Replies: 121
Views: 16838

Re: AA of 60/40 for your Lifetime?

Don't know about any data, but it is my understanding that 60/40 used to be considered the sweet spot for most investors. I believe this was before it became common to start at a higher stock to bond ratio and migrate down over time. It certainly makes sense to me, at least behaviorally. A younger p...
by retiredjg
Wed Aug 27, 2014 10:25 am
 
Forum: Investing - Help with Personal Investments
Topic: AA of 60/40 for your Lifetime?
Replies: 27
Views: 2270

Re: Pay taxes or high fees: should I sell underperforming Am

If you donate cash to a charity, you could instead donate appreciated stock funds. The charity gets the money and you get a tax break instead of a taxable event. Check out "donor advised funds". I think there may be something in the Wiki about it.
by retiredjg
Wed Aug 27, 2014 9:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Pay taxes or high fees: should I sell underperforming AmCent
Replies: 7
Views: 390

Re: Pay taxes or high fees: should I sell underperforming Am

There are 2 ways that I know of to avoid capital gains taxes. -if you are in a very low tax bracket, long term cap gains are taxed at 0% -you die and your heirs get a step up in basis at which point, they can sell without capital gains taxes It seems to me that if you are going to pay tax anyway, so...
by retiredjg
Wed Aug 27, 2014 9:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Pay taxes or high fees: should I sell underperforming AmCent
Replies: 7
Views: 390

Re: vacation destinations similar to Savannah or Charleston

For people who like Savannah and Charleston, St. Simons Island or Jekyl Island seem like a good choice. Smaller and less urban, more quaint, good food, good people.
by retiredjg
Wed Aug 27, 2014 9:08 am
 
Forum: Personal Consumer Issues
Topic: vacation destinations similar to Savannah or Charleston SC
Replies: 24
Views: 1524

Re: The Mega Backdoor Roth IRA

Thanks! I didn't know they had to do that. Your quote specifically mentioned traditional IRA, so I checked Pub 590 and found this (formatting is added) Rollover From Employer's Plan Into a Roth IRA You can roll over into a Roth IRA all or part of an eligible rollover distribution you receive from yo...
by retiredjg
Wed Aug 27, 2014 7:54 am
 
Forum: Investing - Help with Personal Investments
Topic: The Mega Backdoor Roth IRA
Replies: 121
Views: 16838

Re: Portfolio advice requested!!

It's kind of hard to figure out what you have. If you don't get an answer to your question, you might want to re-post in the format we usually use to help with portfolio questions. See the link at the bottom of this message for how to do that. In general -Before saving RETIREMENT money in a taxable ...
by retiredjg
Tue Aug 26, 2014 4:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice requested!!
Replies: 4
Views: 267

Re: Amazon -- set shipping to free as the default?

I got caught by this same "gotcha" this last week. Did the one click checkout which defaults to faster shipping. You have to remember (and there is no prompt that I noticed) to go in to change the shipping to free shipping which results in a slight delay of a day or two. I've "learned...
by retiredjg
Tue Aug 26, 2014 4:41 pm
 
Forum: Personal Consumer Issues
Topic: Amazon -- set shipping to free as the default?
Replies: 7
Views: 1015

Re: Schwab - now endorsing Index Funds

They have already created some of the best broad market-tracking index funds, haven't they? I'm not so sure they have. There was a recent discussion that revolved (somewhat) around this. The original poster wanted to build a 3 fund portfolio at Schwab. Apparently the total stock market fund is an i...
by retiredjg
Tue Aug 26, 2014 4:32 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab - now endorsing Index Funds
Replies: 24
Views: 2081

Re: The Mega Backdoor Roth IRA

placeholder wrote:That's correct a direct rollover has no withholding and they have to offer direct which might be in the form of a check made out to the receiving institution and sent to you (that's how my plan does it).

They have to offer a direct rollover?
by retiredjg
Tue Aug 26, 2014 2:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: The Mega Backdoor Roth IRA
Replies: 121
Views: 16838
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