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Re: Evaluating Vanguard CFP Recommendations

I don't know how Vanguard could attempt to evaluate tax strategy for an investor without knowing the investor's tax situation and attempting to give tax advice, which they absolutely should not be doing. That seems reasonable, but suggesting tax-exempt bonds hardly seems like "giving tax advic...
by retiredjg
Tue Jul 22, 2014 10:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Evaluating Vanguard CFP Recommendations
Replies: 17
Views: 1131

Re: A question for the Bogleladies or those who can consult

sscritic wrote:
retiredjg wrote: :shock: :shock: :shock: It NEVER in a million years would have occurred to me that underwear could cost that much...

But wouldn't you feel special in a pair of $135 panties?

Only if I also had on a matching $694 bra....and that seems pretty unlikely. :twisted:
by retiredjg
Tue Jul 22, 2014 9:38 pm
 
Forum: Personal Consumer Issues
Topic: A question for the Bogleladies or those who can consult one
Replies: 65
Views: 4819

Re: Evaluating Vanguard CFP Recommendations

We see Vanguard recommendations from time to time. But this one makes me wonder if we've ever seen one solely for a taxable account. It is not tax-efficient and certainly not what would be recommended here. That does not mean it is a bad suggestion, but it makes me wonder if Vanguard pays attention ...
by retiredjg
Tue Jul 22, 2014 9:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Evaluating Vanguard CFP Recommendations
Replies: 17
Views: 1131

Re: A question for the Bogleladies or those who can consult

Barefootgirl wrote:really, my favorite is all that….


http://www.laperla.com


happy shopping! BFG


:shock: :shock: :shock: It NEVER in a million years would have occurred to me that underwear could cost that much...
by retiredjg
Tue Jul 22, 2014 9:00 pm
 
Forum: Personal Consumer Issues
Topic: A question for the Bogleladies or those who can consult one
Replies: 65
Views: 4819

Re: Patio door recommendations

I love the blinds between the glass although I don't have any yet. I have not seen them on sliding doors though. Seems like a really good idea. I had a friend that bought an after market thing that you put over the glass of a patio door - essentially making it blinds between the glass - and she love...
by retiredjg
Tue Jul 22, 2014 8:48 pm
 
Forum: Personal Consumer Issues
Topic: Patio door recommendations
Replies: 7
Views: 308

Re: Raft Stategy

I am going to roll my 401K next week. If you knew for sure there would be a stock market correction of 25% early next year, how would you invest this money? I think your plan of 40% stocks/60% bonds is appropriate for your age and your situation. If there is a correction of 25%, your portfolio (or ...
by retiredjg
Tue Jul 22, 2014 11:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Raft Stategy
Replies: 32
Views: 3202

Re: Advice for First-Time Investors

Roth IRA ($5.5k each): 90/10 VFIFX Target Retirement 2050 ; Exp. Ratio: 0.18% I'd still consider using 80/20 but that is just my opinion (that all portfolios need at least 20% bonds). Please understand that saving only $11k a year for retirement should be considered temporary. It is OK to save a lo...
by retiredjg
Tue Jul 22, 2014 10:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice for First-Time Investors
Replies: 18
Views: 2043

Re: Your allocation to Emerging Market small cap ETFs?

DGS Wisdom Tree Emerging Market SmallCap Fund (0.63%) EEMS iShares MSCI Emerging Markets Small-Cap ETF (0.67%) EWX SPDR® S&P® Emerging Markets Small Cap ETF (0.65%) – huge tracking error! I don't see much point in messing with these, especially at that cost. They are part of a part of internati...
by retiredjg
Tue Jul 22, 2014 10:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Your allocation to Emerging Market small cap ETFs?
Replies: 11
Views: 905

Re: Advice Needed on Transitioning to DIY Passive Portfolio

Dollar cost averaging does not make sense when you are making a sideways move. Why be out of the market for any longer than necessary?
by retiredjg
Mon Jul 21, 2014 9:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice Needed on Transitioning to DIY Passive Portfolio
Replies: 57
Views: 5539

Re: With all these recent posts regarding tilts, should I?

brigboy, perhaps you have heard the saying "you have to walk before you can run". It's a concept you might consider. Pick something simple - such as 80% stock and 20% bonds with some of the stocks in international - and invest that way for a few years. Let the market and your experiences i...
by retiredjg
Mon Jul 21, 2014 8:16 pm
 
Forum: Investing - Theory, News & General
Topic: With all these recent posts regarding tilts, should I?
Replies: 13
Views: 837

Re: What is reasonable for 403b fees?

If/when people look around for a replacement, one possibility is a 457b plan. This might look good at the onset, but a non-governmental 457b plan is NOT the way to go. There is no protection of assets (assets would be subject to the employer creditors) and nowhere to roll it once you leave employmen...
by retiredjg
Mon Jul 21, 2014 9:39 am
 
Forum: Personal Finance (Not Investing)
Topic: What is reasonable for 403b fees?
Replies: 21
Views: 1072

Re: Your allocation to Emerging Market small cap ETFs?

DGS Wisdom Tree Emerging Market SmallCap Fund (0.63%) EEMS iShares MSCI Emerging Markets Small-Cap ETF (0.67%) EWX SPDR® S&P® Emerging Markets Small Cap ETF (0.65%) – huge tracking error! I don't see much point in messing with these, especially at that cost. They are part of a part of internati...
by retiredjg
Mon Jul 21, 2014 8:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Your allocation to Emerging Market small cap ETFs?
Replies: 11
Views: 905

Re: TSP vs Vanguard

Now that "to" and "through" stuff is interesting. Don't think I've heard that part before. Not sure on the L funds, but the VG Target Funds don't end on their date. The 2010 fund is still around and still becoming more conservative. It will eventually just get lumped into the Ta...
by retiredjg
Mon Jul 21, 2014 7:21 am
 
Forum: Investing - Theory, News & General
Topic: TSP vs Vanguard
Replies: 10
Views: 1142

Re: What is reasonable for 403b fees?

Since there is a generous dollar for dollar match up to 6% salary that I know is too good to pass up (once I'm eligible), if we can't get a better plan, I will probably be kept up at night knowing I have money in this expensive account! If you can't get your plan improved, you should sleep at night...
by retiredjg
Mon Jul 21, 2014 7:09 am
 
Forum: Personal Finance (Not Investing)
Topic: What is reasonable for 403b fees?
Replies: 21
Views: 1072

Re: TSP vs Vanguard

Now that "to" and "through" stuff is interesting. Don't think I've heard that part before.
by retiredjg
Sun Jul 20, 2014 9:14 pm
 
Forum: Investing - Theory, News & General
Topic: TSP vs Vanguard
Replies: 10
Views: 1142

Re: TSP vs Vanguard

Yes. Many of us believe that Vanguard's TR funds, and most of the others out there, are too aggressive. But if you ignore the date and pick by AA, they are a GREAT investment.
by retiredjg
Sun Jul 20, 2014 8:51 pm
 
Forum: Investing - Theory, News & General
Topic: TSP vs Vanguard
Replies: 10
Views: 1142

Re: Ultimate Buy and Hold - 8 slices vs 4

It is true that Trev is not as active as in the past, but he is still posting - as recently as last Friday. :happy
by retiredjg
Sun Jul 20, 2014 8:04 pm
 
Forum: Investing - Theory, News & General
Topic: Ultimate Buy and Hold - 8 slices vs 4
Replies: 596
Views: 205084

Re: TSP vs Vanguard

Here are some possibilities. The L Funds cover a 10 year span while the VG funds cover a 5 year span. So you are not really comparing 2040 to 2030. Well, you are, but you know what I'm trying to say. Some people say that Vanguard made it's TR funds more aggressive to compete with other companys' TR ...
by retiredjg
Sun Jul 20, 2014 7:14 pm
 
Forum: Investing - Theory, News & General
Topic: TSP vs Vanguard
Replies: 10
Views: 1142

Re: What is reasonable for 403b fees?

livesoft wrote:Start by reading the bogleheads wiki on how to go about this for 401(k) plans. Then take the responsible person at the non-profit to lunch.

If you go to the wiki and search for the word "campaign" you will find the page. The link for this page will not cut and paste right.
by retiredjg
Sun Jul 20, 2014 6:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: What is reasonable for 403b fees?
Replies: 21
Views: 1072

Re: Roth 401k conversion

If she opens a tIRA under name, then deposits nondeductable and rolls-over the 5k, they wont look at my tIRA for cost basis? They are separate? Yes, they are separate. The limit is now $5,500 and if she is over 50, the limit is $6,500. Thanks for the insight. I am looking at ways to contribute abov...
by retiredjg
Sun Jul 20, 2014 6:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth 401k conversion
Replies: 9
Views: 729

Re: Help me reduce portfolio from 16 to 3!

This seems like a fine plan. I'm curious. You said you want a 3 fund portfolio and the 3 fund portfolio contains Total Bond Market Index. Yet you don't want to use (what appeared to me to be) the Total Bond Index available in Her 403b at a decent cost. Is there something specifically wrong with that...
by retiredjg
Sun Jul 20, 2014 9:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Help me reduce portfolio from 16 to 3!
Replies: 15
Views: 1837

Re: Buying First Home - Inspection Follow Up Advice

If FHA (well, actually USDA, but they use FHA/HUD guidelines) is going to require the repointing the the painting of the trim for the loan to close will I be able to reopen that negotiation at that point or should I just ask for it now? I'd ask for it now and any other repair you were not aware of ...
by retiredjg
Sun Jul 20, 2014 8:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Buying First Home - Inspection Follow Up Advice
Replies: 22
Views: 1752

Re: Roth 401k conversion

If my income was over the limit for a reg Roth, are contributions allowed to a Roth 401k? Our married filing jointly MAGI will be over $200k. That is why I was thinking my only option was a conversion. The Roth IRA MAGI limit does not apply to Roth 403b. If her company offers Roth 403b, she can con...
by retiredjg
Sun Jul 20, 2014 8:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth 401k conversion
Replies: 9
Views: 729

Re: Buying First Home - Inspection Follow Up Advice

Your lender might require the safety issues to be addressed before closing - like the electrical shortcomings. Regarding the other stuff, get estimates from the appropriate contractors, ask for everything and take what you can get. You can ask for a reduction in price, for credit toward repairs, or ...
by retiredjg
Sat Jul 19, 2014 8:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying First Home - Inspection Follow Up Advice
Replies: 22
Views: 1752

Re: Roth 401k conversion

I think you might be missing something. Why contribute to a tax-deferred account and take that off your taxes just to turn around and convert it to Roth? Why not just contribute to Roth 401k in the first place?

Better yet, why not contribute to tax-deferred and just leave it there?
by retiredjg
Sat Jul 19, 2014 7:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth 401k conversion
Replies: 9
Views: 729

Re: Portfolio Review Please

I think 50/50 is a better position for entering retirement. But the question is what do you think?
by retiredjg
Sat Jul 19, 2014 6:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review Please
Replies: 17
Views: 2491

Re: I was tempted to market time and didn't

If you mean buying something you would buy anyway, just at a lower price - that's just buying on the dips. There is nothing wrong with this in my opinion. It sounds like market timeing but since you would buy the fund anyway, I consider it harmless to just buy it at a lower price. This is relatively...
by retiredjg
Sat Jul 19, 2014 5:02 pm
 
Forum: Investing - Theory, News & General
Topic: I was tempted to market time and didn't
Replies: 19
Views: 1793

Re: AA for a spoiled young buck

1. The American Century Growth, Janus Worldwide, and Vanguard Value Index were set up as gift trust funds for me when I was a lad. Between the 3, they have roughly $55k in unrealized gains. A large chunk of change for someone in the 25% tax bracket! I'm in favor of reducing the number of funds I ow...
by retiredjg
Sat Jul 19, 2014 4:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA for a spoiled young buck
Replies: 9
Views: 1674

Re: Seeking Alternative Solution for her 403B…

I posted in the other thread. If you can answer a few questions there, I think we can get you on your way pretty easily. The thing I don't understand is why you didn't just follow the suggestion give there by DSInvestor. Why are you considering that these other funds you mentioned might be a better ...
by retiredjg
Sat Jul 19, 2014 3:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Seeking Alternative Solution for her 403B…
Replies: 7
Views: 315

Re: Help me reduce portfolio from 16 to 3!

.....yes, it all depends on what is available in the 401k plans. :D People have suggested using the expensive PIMCO bond fund and the stable value fund because they didn't know you have a Total Bond Index fund available (learned in the other thread). It would be helpful if you would do this: 1) Give...
by retiredjg
Sat Jul 19, 2014 3:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help me reduce portfolio from 16 to 3!
Replies: 15
Views: 1837

Re: Seeking Alternative Solution for her 403B…

I don't understand your dilemma at all. Here's what I see: Stable Value - AHRP Capital Preservation .44 <--a possibility depending on what it pays Comerica SDA Total Bond Market Index .40 <--a better choice for bonds Vanguard Institutional Index Fund;Inst Plus .22% <--an excellent choice for stocks ...
by retiredjg
Sat Jul 19, 2014 3:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Seeking Alternative Solution for her 403B…
Replies: 7
Views: 315

Re: Roth IRA income limit question

Triple digit golfer wrote:Yep, yep, I'm with you, thanks. I knew all that stuff. I don't know what happened - all I could do is chalk it up to a giant brain fart this morning.

:sharebeer I had the same brain fade last week. But I have an excuse...I'm old enough for that to be "expected".
by retiredjg
Sat Jul 19, 2014 2:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA income limit question
Replies: 24
Views: 1051

Re: Divesting Stock with Sentimental Value

I don't think a full portfolio review is needed myself. I think this is the info needed all along. Holding 17% of your portfolio in 3 individual stocks is not what we would recommend, but it is not all that terrible either. If you do nothing at all, this percentage will drop on its own to something ...
by retiredjg
Sat Jul 19, 2014 1:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Divesting Stock with Sentimental Value
Replies: 39
Views: 1806

Re: I guess I should buy some bonds...

I'll throw in with the above. Go ahead and do the swapping in your tax-advantaged accounts. Just fill them up with a bond fund like Total Bond Index. As for your taxable account, I would not use all CA bonds even though they would give you a nice state benefit. The risk is jut to concentrated in my ...
by retiredjg
Sat Jul 19, 2014 1:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: I guess I should buy some bonds...
Replies: 4
Views: 696

Re: Divesting Stock with Sentimental Value

wesef wrote:The three stocks are about 35% of our equities retirement portfolio.

What percentage of your portfolio?
by retiredjg
Sat Jul 19, 2014 12:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Divesting Stock with Sentimental Value
Replies: 39
Views: 1806

Re: Taxed advantage and expense ratios!

I used PIMCO because my 401k did not have a Bond Index and still don’t. The ER was .71% at the time now it’s at 1.1% Does it make sense to get rid of PIMCO and use a Vanguard bond index because of the expense ratio (.08) vs (1.10)? What other bond funds are available? Is there a stable value fund a...
by retiredjg
Sat Jul 19, 2014 12:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxed advantage and expense ratios!
Replies: 3
Views: 237

Re: Divesting Stock with Sentimental Value

C'mon folks. Would you not try to convince the spouse that these 3 stocks are an undiversified risk? If someone came here with a portfolio of just 3 stocks, would you advise them to 3-fund it? It's OK to keep the money in a separate account, but should not the spouse want to invest more wisely? It ...
by retiredjg
Sat Jul 19, 2014 11:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Divesting Stock with Sentimental Value
Replies: 39
Views: 1806

Re: Divesting Stock with Sentimental Value

Well before we married, my spouse inherited stock in three blue-chip, S&P 500 companies that are now mature holdings. I want to mitigate risk by divesting these individual stocks (plus we will be in the capital accumulation phase for many more years and don't need these dividends paying out in ...
by retiredjg
Sat Jul 19, 2014 11:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Divesting Stock with Sentimental Value
Replies: 39
Views: 1806

Re: Seeking Alternative Solution for her 403B…

I can't picture your whole situation from just the information given. Could you be contributing more to your better plan and less to her worser plan? Or is yours maxed out? Could she be sending her money (after a match if she has one) to a traditional IRA and get the tax-deduction? It is possible th...
by retiredjg
Sat Jul 19, 2014 11:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Seeking Alternative Solution for her 403B…
Replies: 7
Views: 315

Re: Roth IRA income limit question

pkcrafter - no, my bond fund choices in my 401(k) are putrid. I've discussed it on the forum before and always came back to the set-up I have now. Retiredjg helped me out there, so thanks to her again. :shock: Well, let's take another look. Without going back through the whole thing, I can see how ...
by retiredjg
Sat Jul 19, 2014 11:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA income limit question
Replies: 24
Views: 1051

Re: Deployed TSP opportunity, need rebalancing help

Yes, it does seem like it would not matter if that money goes into Roth IRA or Roth TSP. What is not clear to me is what you should do with that money you have designated for your taxable account (VTIAX $950 17%). I think that should probably go to TSP instead. But I really don't know enough to help...
by retiredjg
Sat Jul 19, 2014 10:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Deployed TSP opportunity, need rebalancing help
Replies: 7
Views: 308

Re: Deployed TSP opportunity, need rebalancing help

Tbeller80 wrote:I have roughly $5600/month to contribute towards investments.

Could all of this go to the TSP this year?
by retiredjg
Sat Jul 19, 2014 9:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Deployed TSP opportunity, need rebalancing help
Replies: 7
Views: 308

Re: Deployed TSP opportunity, need rebalancing help

I think you definitely want to use the Roth TSP for as much of your $17,500 elective deferrals limit as you can. Then use traditional TSP contributions after that up whatever limit they stop your contributions. I'm not military - others should comment and you should do some google searching to find ...
by retiredjg
Sat Jul 19, 2014 9:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Deployed TSP opportunity, need rebalancing help
Replies: 7
Views: 308

Re: Deployed TSP opportunity, need rebalancing help

If I understand correctly, while deployed you can put unlimited (?) money (or just a lot of money?) into the TSP and never pay taxes on it? If that is correct, I'd agree that putting money into TSP - even if you could not maintain the balance you want - is a great idea. The most important balance is...
by retiredjg
Sat Jul 19, 2014 8:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Deployed TSP opportunity, need rebalancing help
Replies: 7
Views: 308

Re: Portfolio Review Please

It depends on what accounts the MM is in. For your taxable accounts, consider Intermediate Term Tax Exempt and/or CDs. For IRAs consider Total Bond Market Index and a TIPS fund. It seems to me you are still a bit on the aggressive side. A crash could reduce your portfolio considerably just when you ...
by retiredjg
Sat Jul 19, 2014 8:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review Please
Replies: 17
Views: 2491

Re: Deployed TSP opportunity, need rebalancing help

I'm deployed for the rest of the year and can contribute far above the $17.5k limit for this timeframe. Several people have suggested that I stop contributing to Vanguard for the time and put everything into TSP. My concern is keeping my portfolio balance. If I send all my contributions this year t...
by retiredjg
Sat Jul 19, 2014 8:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Deployed TSP opportunity, need rebalancing help
Replies: 7
Views: 308

Re: Advice for First-Time Investors

If you have your tax brackets correct and with no 401k/403b available, you might consider using traditional IRA instead of Roth IRA. That would allow you to reduce your taxable income now. If you expect to move into jobs with 401k/403b opportunities in the future, staying with Roth IRA for a year or...
by retiredjg
Sat Jul 19, 2014 7:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice for First-Time Investors
Replies: 18
Views: 2043

Re: Some Basic Asset Allocation Advice Please

You should start reading here. http://www.bogleheads.org/wiki/Getting_started It is best to consider your 403b and your Roth IRA all together as one portfolio. So we can't really suggest much without knowing what is in your 401k. You may (or may not) already have enough bonds for the whole portfolio...
by retiredjg
Fri Jul 18, 2014 9:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Some Basic Asset Allocation Advice Please
Replies: 12
Views: 1451

Re: How to invest savings after maxing out retirement accoun

I've reached out to my accountant and will be rolling over the SEP into a solo 401k likely with Fidelity to avoid the pro rata rule. This is good! Just finish the transfer by 12/31 or the SEP will mess up your back door contribution to Roth IRA for 2014. You may already be familiar with the funds t...
by retiredjg
Thu Jul 17, 2014 6:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to invest savings after maxing out retirement accounts?
Replies: 14
Views: 2706
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