Search found 17703 matches

Return to advanced search

Re: New Investor - Fidelity freedom funds

You might want to check that minimum again. There are two share classes for Fido's index funds - one has a much lower minimum of $2,500.
by retiredjg
Tue Sep 30, 2014 9:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Investor - Fidelity freedom funds
Replies: 13
Views: 739

Re: Just inherited an IRA...how to incorporate into AA?

There are lots of good ways to do this. You could allocate it like the rest of your portfolio and just take your 2% each year out of whatever is growing faster. You could put it in a target fund or a LifeStrategy Fund. Any of these is a good idea. Do you like having each asset class in each account?...
by retiredjg
Tue Sep 30, 2014 6:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just inherited an IRA...how to incorporate into AA?
Replies: 3
Views: 223

Re: house odor after crawlspace encapsulation

Did you see the little videos at the bottom of one of the links? Apparently, this odor problem is not unheard of at all.
by retiredjg
Tue Sep 30, 2014 5:20 pm
 
Forum: Personal Consumer Issues
Topic: house odor after crawlspace encapsulation
Replies: 30
Views: 1569

Re: Hard Money Lending, flipping houses 12% return Lets hear

I see all of your points guys, but say your on the other end (your the flipper) so you have say 1Mil of your own $$$ so you can only do 3-4 houses at a time with your own cash, so why not do 20 houses at a time and find another 10mil with hard cash investors? And on and on... as long as you can kee...
by retiredjg
Tue Sep 30, 2014 5:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hard Money Lending, flipping houses 12% return Lets hear it
Replies: 34
Views: 1194

Re: Hard Money Lending, flipping houses 12% return Lets hear

If you can afford to lose the money, it's probably a fine deal. If you can't afford to lose the money, I would not gamble it on this venture.
by retiredjg
Tue Sep 30, 2014 4:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hard Money Lending, flipping houses 12% return Lets hear it
Replies: 34
Views: 1194

Re: house odor after crawlspace encapsulation

Rusty, did you have the crawlspace cleaned with a fungicide when it was encapsulated?

I'm considering this as well. My crawl space is just plain wet.
by retiredjg
Tue Sep 30, 2014 4:30 pm
 
Forum: Personal Consumer Issues
Topic: house odor after crawlspace encapsulation
Replies: 30
Views: 1569

Re: New Investor - Fidelity freedom funds

JDDS wrote:Note that Freedom Index funds are now available to retail investors per today's earlier post: viewtopic.php?f=1&t=147858&newpost=2208104

This is REALLY good news!
by retiredjg
Tue Sep 30, 2014 4:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Investor - Fidelity freedom funds
Replies: 13
Views: 739

Re: New Investor - Fidelity freedom funds

I actually went ahead and invested in Fidelity freedom fund 2045, which has an expense ratio of 0.78. I was drawn to these as opposed to Four in one with the low share price. For future reference, the share price is meaningless. If you own ten $1 shares, that is the same as owning one $10 share. Is...
by retiredjg
Tue Sep 30, 2014 4:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Investor - Fidelity freedom funds
Replies: 13
Views: 739

Re: Should I convert my TIRA/401k to Roth?

Hi all, I've been trying to figure out how to approach this for a few weeks now and would like some input. I have a 401k (about $65k) from a previous employer, one 401k (about $65k) that I'm in the process of rolling into my Vanguard TIRA (about $60k). The money in the Vanguard TIRA was mostly from...
by retiredjg
Tue Sep 30, 2014 4:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I convert my TIRA/401k to Roth?
Replies: 5
Views: 214

Re: IRS Relents! Notice 2014-54 permits Basis Isolation

Good point. I meant to imply (but did not clearly state) that the gains would be rolled over along with the contribution. If you are correct, than the gains associated to the after tax contributions would go with the TIRA and later would be taxed as regular income. Not sure this is worth it. The ga...
by retiredjg
Tue Sep 30, 2014 1:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS Relents! Notice 2014-54 permits Basis Isolation
Replies: 66
Views: 5464

Re: Considering converting SEP to solo 401k and go backdoor

It could be easier - it seems you have at least one extra step. Open a new Solo 401k at Fido. Roll the SEP into the new Solo 401k (no need to transfer the SEP to Fido first). Leave the new solo 401k where is is and use Spartan funds instead of other Fido choices. Roll the old 401k into it or leave i...
by retiredjg
Tue Sep 30, 2014 8:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Considering converting SEP to solo 401k and go backdoor Roth
Replies: 19
Views: 962

Re: The Mega Backdoor Roth IRA

One item to remember for the Mega Backdoor Roth IRA is the max cap of $52,000, which is a cap on pre-tax, after-tax and employer contribution. And forfeitures. I don't even know what forfeitures are. I'm just parroting what Alan S says because it sounds like you (your relative) is intending to take...
by retiredjg
Tue Sep 30, 2014 8:30 am
 
Forum: Personal Finance (Not Investing)
Topic: The Mega Backdoor Roth IRA
Replies: 158
Views: 22876

Re: IRS Relents! Notice 2014-54 permits Basis Isolation

Tx_turtle, the way I understand it, you rollover the post-tax CONTRIBUTION to a Roth IRA and the total of pre-tax contributions and gains (from pre and post-tax) to a tIRA. Good point. I meant to imply (but did not clearly state) that the gains would be rolled over along with the contribution. If y...
by retiredjg
Tue Sep 30, 2014 8:19 am
 
Forum: Personal Finance (Not Investing)
Topic: IRS Relents! Notice 2014-54 permits Basis Isolation
Replies: 66
Views: 5464

Re: IRS Relents! Notice 2014-54 permits Basis Isolation

I work for a large company, that over the years has changed 401K provider multiple times. I don't recall having seen the option for creating different 'sub accounts'. The employee does not create the separate accounts. It is a record keeping decision exercised by the employer. Based on these latest...
by retiredjg
Tue Sep 30, 2014 8:14 am
 
Forum: Personal Finance (Not Investing)
Topic: IRS Relents! Notice 2014-54 permits Basis Isolation
Replies: 66
Views: 5464

Re: rebalancing conundrum/paradox/irony

So, if I am 60/40, is it best to just invest all new contributions at 60/40, and just rebalance once a year? Or is it better to rebalance with every contribution by buying the asset that goes down in allocation every time I have $$? I'm not sure on which is better, if either. But there certainly is...
by retiredjg
Tue Sep 30, 2014 8:03 am
 
Forum: Investing - Theory, News & General
Topic: rebalancing conundrum/paradox/irony
Replies: 70
Views: 3809

Re: Read too many books... help untangle

And add "Stay out of debt". Though that might be subsumed under "not doing stupid stuff". Yeah, with the caveat that I'm not anti-debt. I'm anti-stupid debt. I happen to think a (reasonable) mortgage is not a stupid debt. Sometimes student loans are not a stupid debt. Occasional...
by retiredjg
Mon Sep 29, 2014 7:48 pm
 
Forum: Investing - Theory, News & General
Topic: Read too many books... help untangle
Replies: 35
Views: 2388

Re: Overall Portfolio Check (and questions about extra cash)

Well, once the money arrives you could roll it all into your 401k (if it takes rollovers) and go from there. If the back door is important enough to you. It might not be.
by retiredjg
Mon Sep 29, 2014 4:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Overall Portfolio Check (and questions about extra cash)
Replies: 19
Views: 1064

Re: IRS Issues 401(k) After-Tax Rollover Rules

And here are the observations of Michael Kitces on this Notice: http://www.kitces.com/blog/irs-notice-2014-54-acquiesces-on-splitting-after-tax-401k-contributions-for-roth-conversion/ can someone explain to me where the "waiver" is described for separate accounting post tax sub acoounts? ...
by retiredjg
Mon Sep 29, 2014 4:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS Relents! Notice 2014-54 permits Basis Isolation
Replies: 66
Views: 5464

Re: IRS Relents! Notice 2014-54 permits Basis Isolation

The reason I asked about paying tax on the interest of the After Tax portion and roll that into an IRA and the After Tax portion to a Roth IRA is that I am nearly 71. I cannot have any balance in my IRA or else I would have to pay RMDS on it. I will see if I can find anything in the Plan documentat...
by retiredjg
Mon Sep 29, 2014 4:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS Relents! Notice 2014-54 permits Basis Isolation
Replies: 66
Views: 5464

Re: rebalancing conundrum/paradox/irony

And in fact, if you read the comments....it was this BH thread that inspired Harry's blog today. :D
by retiredjg
Mon Sep 29, 2014 4:09 pm
 
Forum: Investing - Theory, News & General
Topic: rebalancing conundrum/paradox/irony
Replies: 70
Views: 3809

Re: IRS Relents! Notice 2014-54 permits Basis Isolation

Can my company deduct taxes on the After Tax portion and can I roll the remainder to my Roth IRA? I know that in the past I withdrew an after tax portion and paid tax on it. At that time I did not know why there was an after tax section there. A colleague asked his CPA and was told that he could on...
by retiredjg
Mon Sep 29, 2014 3:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS Relents! Notice 2014-54 permits Basis Isolation
Replies: 66
Views: 5464

Re: Rebuilding portfolio. Early retirements dreams, please h

I will have substantial retirement income from these properties come retirement age. However, I can't say with 100% certainty this is the case (natural disaster, lawsuit, you name it). My question is, would your investment strategy differ from someone not expecting the real estate income? Probably ...
by retiredjg
Mon Sep 29, 2014 3:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebuilding portfolio. Early retirements dreams, please help!
Replies: 23
Views: 1931

Re: Getting started - consolidating investments

You've mentioned the "rule of thumb" a few times. I'm wondering if that has confused you. Roth IRA is suggested if you have already met the company match in a 401k/Etc. plan. But it could just as well be traditional IRA. Roth got mentioned in that "rule of thumb" for a couple of ...
by retiredjg
Mon Sep 29, 2014 2:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Getting started - consolidating investments
Replies: 17
Views: 877

Re: Getting started - consolidating investments

Hmmm ... well, I thought i had it! Thanks for helping out retiredjg. My question at its most fundamental is this: * I have a tIRA with $40,000 in it. * Based on my age, income and goals, I would rather go with a Roth. There is a general mis-conception that Roth is somehow magically better than trad...
by retiredjg
Mon Sep 29, 2014 2:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Getting started - consolidating investments
Replies: 17
Views: 877

Re: Rebuilding portfolio. Early retirements dreams, please h

I had to edit a percentage in one of my early posts in this thread - had part of the the international percentage wrong.
by retiredjg
Mon Sep 29, 2014 1:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebuilding portfolio. Early retirements dreams, please help!
Replies: 23
Views: 1931

Re: Rebuilding portfolio. Early retirements dreams, please h

How would you distribute the funds, knowing there will be substantial (approx. $200K/year) income from rentals in the next 15-20 years? Can you be more specific? Maybe this is what you mean. 1) Add up all the contributions to all of your retirement accounts (including taxable) that you expect to ma...
by retiredjg
Mon Sep 29, 2014 1:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebuilding portfolio. Early retirements dreams, please help!
Replies: 23
Views: 1931

Re: Rebuilding portfolio. Early retirements dreams, please h

Here are the choices in my 401k. Turns out there is a bond fund with a comparable expense ratio to the S&P 500 index fund. That one is not too bad. I wouldn't consider it better or worse than holding bonds in Roth (which I'm fine with). I think eventually you'll need a bond fund in the 401k, ev...
by retiredjg
Mon Sep 29, 2014 1:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebuilding portfolio. Early retirements dreams, please help!
Replies: 23
Views: 1931

Re: Getting started - consolidating investments

Deldog, I think there might be some confusion going on here. Getting away from the term "rollover'....you can send the money in your 401k to traditional IRA or Roth IRA or to your new 401k. If you send it to traditional IRA or your new 401k, the money retains its tax-deferred status (you have n...
by retiredjg
Mon Sep 29, 2014 12:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Getting started - consolidating investments
Replies: 17
Views: 877

Re: Rebuilding portfolio. Early retirements dreams, please h

There is a good reason to keep some money in pre-tax status. When you do retire, you want some money flowing into the lower income brackets - that which has no tax, and that which has 10% tax, and maybe at least part of the 15% tax (or whatever the lower brackets are then). If there will be SS, that...
by retiredjg
Mon Sep 29, 2014 11:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Rebuilding portfolio. Early retirements dreams, please help!
Replies: 23
Views: 1931

Re: Rebuilding portfolio. Early retirements dreams, please h

I would suggest putting more equities in the Roth IRAs (not 100% though) and shift bonds to her old 401(k). Agree this is a reasonable or good idea, but to really make it work, you need to put new money into bonds in His 401k. We don't know much about what is available there. I will try to pull det...
by retiredjg
Mon Sep 29, 2014 9:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Rebuilding portfolio. Early retirements dreams, please help!
Replies: 23
Views: 1931

Re: Rebuilding portfolio. Early retirements dreams, please h

Thanks. Will probably look into setting up those 529s with the cost of college going through the roof. If you are in a state that does not give you some benefit for using that state's plan, look at other states - several have excellent low cost plans at Vanguard. Utah and Nevada come to mind, but t...
by retiredjg
Mon Sep 29, 2014 9:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Rebuilding portfolio. Early retirements dreams, please help!
Replies: 23
Views: 1931

Re: IRS Issues 401(k) After-Tax Rollover Rules

And here are the observations of Michael Kitces on this Notice: http://www.kitces.com/blog/irs-notice-2014-54-acquiesces-on-splitting-after-tax-401k-contributions-for-roth-conversion/ If I read this correctly, Kitces believes the whole 401k is involved (and pro-rated) in an in-service withdrawal, r...
by retiredjg
Mon Sep 29, 2014 8:51 am
 
Forum: Personal Finance (Not Investing)
Topic: IRS Relents! Notice 2014-54 permits Basis Isolation
Replies: 66
Views: 5464

Re: Investing $40K of taxable savings

retiredjg, TIAA-CREF International Equity Index (TCIEX) ER: 0.07%; 10-yr return: 7.03%. Follows MSCI-EAFE Fidelity SPTN International Index Adv (FSIVX) ER: 0.17%; 10-yr return: 7.07%. Follows MSCI-EAFE The Vanguard Total International (VGTSX) ER: 0.22%; 10-year return: 7.64%. 0.6% better return bec...
by retiredjg
Sun Sep 28, 2014 5:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing $40K of taxable savings
Replies: 22
Views: 1593

Re: Much too Aggressive!!

I'm 66...Have an IRA with Fidelity: 6,500 contributed each year. Value $800,000. Retired @ 65 with pension. No SS at this time. Husband has large 401K; we have $550,000 in cash; $1,300,000 in his employee owned company stock. No debt. Healthy Want a more conservative allocation. Here's my portfolio...
by retiredjg
Sun Sep 28, 2014 5:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Much too Aggressive!!
Replies: 9
Views: 1315

Re: Is there any point in putting stock index funds in IRA?

I am really confused about how to invest tax efficiently. This part is confusing, but it is simpler than it seems. -The first rule is to fill all or as much as you can of the tax-advantaged space you have available, before using a taxable account for long term investing. -Stock funds can go anywher...
by retiredjg
Sun Sep 28, 2014 4:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is there any point in putting stock index funds in IRA?
Replies: 9
Views: 854

Re: Investing $40K of taxable savings

Have you considered the costs of what you have in T-C and Fidelity? It is likely you can get a lower cost and more complete international fund at Vanguard.
by retiredjg
Sun Sep 28, 2014 3:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing $40K of taxable savings
Replies: 22
Views: 1593

Re: Getting closer to retirement portfolio review

I don't have a plan with the annuities and am open to suggestions. I don't really have a suggestion other than don't annuitize them while you are converting tIRA to Roth IRA unless you use that income stream for your expenses. Now is not the time for extra income that does not get spent. I'm not fa...
by retiredjg
Sun Sep 28, 2014 3:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Getting closer to retirement portfolio review
Replies: 28
Views: 2838

Re: rebalancing conundrum/paradox/irony

...I'm ok with buying at a higher price if I didn't have the money to buy when it was at a lower price. But that's not the case - I did have the money five years ago. And I do have the money available today. Therefore, what is the rationale for investing in a low expected return asset rather than a...
by retiredjg
Sun Sep 28, 2014 12:16 pm
 
Forum: Investing - Theory, News & General
Topic: rebalancing conundrum/paradox/irony
Replies: 70
Views: 3809

Re: Financial advice

You got lucky and got one really nice windfall early in life. You may get another, but you can't count on it. I would not increase your standard of living to the point that it is not maintainable without future windfalls. There may not be another one. Your job sounds profitable but may be one of tho...
by retiredjg
Sun Sep 28, 2014 9:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Financial advice
Replies: 6
Views: 956

Re: Getting closer to retirement portfolio review

One other thing. You could send all your dividends in the taxable account to a money market fund and use that once or twice a year to buy international. This would increase your percentage.

Or you could do the same and use that money for expenses.
by retiredjg
Sun Sep 28, 2014 9:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Getting closer to retirement portfolio review
Replies: 28
Views: 2838

Re: Getting closer to retirement portfolio review

1. AA suggestions? Unless I added wrong, you are low on the bond side. You could exchange the TSM in the Rollover IRA to bonds to almost get to target. And your international is not up to 1/3rd of your stocks - at this point, the best solution for that is not evident. What is the Real Estate Invest...
by retiredjg
Sun Sep 28, 2014 9:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Getting closer to retirement portfolio review
Replies: 28
Views: 2838

Re: rebalancing conundrum/paradox/irony

Rodc wrote:You can't always buy low. You'd love to but without a crystal ball you won't. The point of Bogleheadism is to make peace with this.

I like this!
by retiredjg
Sun Sep 28, 2014 7:59 am
 
Forum: Investing - Theory, News & General
Topic: rebalancing conundrum/paradox/irony
Replies: 70
Views: 3809

Re: Investing $40K of taxable savings

Todi wrote:retiredjg- agreed about the sectors being part of the Total US stock, but that's still only a portion, right?

Not sure what this means. Only a portion of what?
by retiredjg
Sat Sep 27, 2014 7:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing $40K of taxable savings
Replies: 22
Views: 1593

Re: Investing $40K of taxable savings

I would like to do Emerging Markets, but the minimum for Admiral Shares are $50K and I don't have that. I guess doing regular mutual funds may still be better than Energy or Health care sector ETFs? That brings me to this question: If sector ETFs are generally against the Bogle philosophy, why does...
by retiredjg
Sat Sep 27, 2014 7:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing $40K of taxable savings
Replies: 22
Views: 1593

Re: Rebuilding portfolio. Early retirements dreams, please h

livesoft wrote:I would suggest putting more equities in the Roth IRAs (not 100% though) and shift bonds to her old 401(k).

Agree this is a reasonable or good idea, but to really make it work, you need to put new money into bonds in His 401k. We don't know much about what is available there.
by retiredjg
Sat Sep 27, 2014 7:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebuilding portfolio. Early retirements dreams, please help!
Replies: 23
Views: 1931

Re: Overall Portfolio Check (and questions about extra cash)

Yes, I have a new 401k at my new employer. I give some info on my planned investments for this 401k in my original post if you are curious... Sorry. I thought you had listed something, but could not find it at the time. Is there a bond fund? Assuming you have something like Total Bond Market? You c...
by retiredjg
Sat Sep 27, 2014 6:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Overall Portfolio Check (and questions about extra cash)
Replies: 19
Views: 1064

Re: Read too many books... help untangle

What I do know I believe: Costs matter Active investments = gambling Rebalance Market timing is playing with fire Buy and hold Stick to your plan Asset allocation matters What I am still in the wilderness on: A market portfolio versus a tilted or SnD Do I really care to keep up on the care and feed...
by retiredjg
Sat Sep 27, 2014 6:44 pm
 
Forum: Investing - Theory, News & General
Topic: Read too many books... help untangle
Replies: 35
Views: 2388

Re: rebalancing conundrum/paradox/irony

Why wouldn't he invest all $15k in stocks this year? Why would he invest 60/40 in stocks/bonds; why put anything in bonds? He knows that he'll have to continue to buy stocks for many years if he only puts 60% of $15k in stocks each year. Two reasons. 1) You can't assume the market is always going t...
by retiredjg
Sat Sep 27, 2014 6:20 pm
 
Forum: Investing - Theory, News & General
Topic: rebalancing conundrum/paradox/irony
Replies: 70
Views: 3809

Re: Overall Portfolio Check (and questions about extra cash)

As a separate (but related question), I'm curious what everyone's thoughts are regarding the rollover of my old 401k into my IRAs. The amount of the old 401k is approximately 40% of our total retirement investments. Do you have a new 401k/403b/457b/SEP IRA/SIMPLE IRA? I am trying to decide between ...
by retiredjg
Sat Sep 27, 2014 5:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Overall Portfolio Check (and questions about extra cash)
Replies: 19
Views: 1064

Re: Overall Portfolio Check (and questions about extra cash)

To be completely honest I don't think the difference between these accounts was clear in my mind, which was part of my reason for making this post to begin with. I was treating both the $115k in savings and the $106k in taxable accounts as money for a house (and other large expenses including the a...
by retiredjg
Sat Sep 27, 2014 5:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Overall Portfolio Check (and questions about extra cash)
Replies: 19
Views: 1064
Next

Return to advanced search