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Re: Resetting Equity Target -a.k.a Portfolio Allocation

Your advisor sounds better than most (low AUM and Boglesque) but it is concerning that 30% of your meager return went to their fee. Last year was a very good year for most folks. But I suppose at only 25% stocks, it would not have been as good.
by retiredjg
Sun Aug 31, 2014 5:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Resetting Equity Target -a.k.a Portfolio Allocation
Replies: 16
Views: 931

Re: Advisor says managed retirement plan, I'm not so sure.

Sorry, pre -marital counseling. It's a routine thing. Financial advisor has gone over budgets, all good. Set us up with term life ins. The last meeting was over retirement investments. There is no strife or quarrel. My fiancé is near oblivious, just going with the flow. That makes a LOT more sense....
by retiredjg
Sun Aug 31, 2014 5:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advisor says managed retirement plan, I'm not so sure.
Replies: 9
Views: 644

Re: Portfolio advice requested [in medical training]

The money is pretax money taken from my paycheck. In Florida, companies have the option of having "temporary" employees' money go into this BENCOR investment account, rather than having them contribute to social security and the company needing to match social security contributions. As a...
by retiredjg
Sun Aug 31, 2014 5:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice requested [in medical training]
Replies: 9
Views: 482

Re: Help with Personal Investments

1) Do all these accounts belong to one person? If not, can you label His and Her's so we'll know what can be combined and what can't. You can use the edit button to do that. If these all belong to one person, does the spouse have any accounts? 2) If you are in the highest tax bracket, it seems you c...
by retiredjg
Sun Aug 31, 2014 5:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Personal Investments
Replies: 7
Views: 483

Re: Portfolio advice requested [in medical training]

Who puts the money into this account? If it comes from your paycheck and you have a choice to put it elsewhere, use a Roth IRA at Vanguard instead of these high cost funds in the 401a. If it is the employer's money, look for lower cost investments. The expense ratios of what you have shown us are no...
by retiredjg
Sun Aug 31, 2014 4:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice requested [in medical training]
Replies: 9
Views: 482

Re: No advantage of Slice and Dice vs 3Fund?

It does not matter much since that data does not tell us anything about the next 10 or 20 years. Things might be the same. They might be reversed. We just don't know.
by retiredjg
Sun Aug 31, 2014 4:03 pm
 
Forum: Investing - Theory, News & General
Topic: No advantage of Slice and Dice vs 3Fund?
Replies: 20
Views: 1227

Re: Why invest in bonds?

mckoder wrote:If you are willing to assume that (1) There won't be another crash in the next 5 years....

How could you assume that?
by retiredjg
Sun Aug 31, 2014 3:47 pm
 
Forum: Investing - Theory, News & General
Topic: Why invest in bonds?
Replies: 52
Views: 2285

Re: Advisor says managed retirement plan, I'm not so sure.

Managed index funds? Blackrock offers TR funds in both active and index. Are the Blackrock target retirement (TR) funds using index funds? What is the expense ratio? Looking at the BlackRock LifePath site, the actively managed ones are called "LifePath 20XX" and the index ones are called ...
by retiredjg
Sun Aug 31, 2014 3:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advisor says managed retirement plan, I'm not so sure.
Replies: 9
Views: 644

Re: Asset Location 3 fund port

Since we don't know what you have or what you want or how big the accounts are in relation to each other, it is really hard to make a suggestion. Just a word about "tax exempt" - you don't have a "tax-exempt" portion of a portfolio. Some of your portfolio may be have some kind of...
by retiredjg
Sun Aug 31, 2014 3:27 pm
 
Forum: Investing - Theory, News & General
Topic: Asset Location 3 fund port
Replies: 17
Views: 734

Re: Advisor says managed retirement plan, I'm not so sure.

There is nothing wrong with the concept of a target retirement fund and 15% stocks is not a bad idea, even for young people. But there are target retirement funds that are less attractive than others. In fact, some are just downright stupid. Not knowing which one has been suggested, it is difficult ...
by retiredjg
Sun Aug 31, 2014 3:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advisor says managed retirement plan, I'm not so sure.
Replies: 9
Views: 644

Re: How to safely sell a big ticket item online

Update from the original poster. I've now received my second scam contact regarding my 5th wheel that is listed on Craigslist. Very similar to the first one. "Am ok with the price. I will be paying through PayPal and will arrange for an agent (or shipper) to pick it up as soon as PayPal shows t...
by retiredjg
Sun Aug 31, 2014 2:50 pm
 
Forum: Personal Consumer Issues
Topic: How to safely sell a big ticket item online
Replies: 38
Views: 1844

Re: Slice & Dice vs. 3 Fund portfolio: Does size matter?

livesoft wrote:Would we then say that 1% of the portfolio in something like small-cap value was a waste of time? I would not, if the goal was somewhat higher...

I wouldn't either, if the slice is intended to become at least 5% as circumstances permit.
by retiredjg
Sun Aug 31, 2014 2:34 pm
 
Forum: Investing - Theory, News & General
Topic: Slice & Dice vs. 3 Fund portfolio: Does size matter?
Replies: 3
Views: 355

Re: Autopilot Investments Broken and I am Confused

Here's an idea that does not include the cash because I don't know how much it is. I think you need at least 25% bonds, so that is what I will do here. Taxable Accounts 17.72% <---this account unchanged 12.45% various equites 2.96% Vanguard 500 Index Fund Investor Shares VFINX 0.17% 2.31% Vanguard M...
by retiredjg
Sun Aug 31, 2014 2:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Autopilot Investments Broken and I am Confused
Replies: 8
Views: 905

Re: Need advice on where to invest in REITs in my portfolio

Grabiner, what is your thinking about .75% in the 401k vs. .57% in a Variable Annuity? The 401k would have a tax-advantage on the front end, but would push something else out. I think the earnings would be taxed the same in a VA vs the 401k.
by retiredjg
Sun Aug 31, 2014 1:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need advice on where to invest in REITs in my portfolio
Replies: 9
Views: 670

Re: Need help in allocating monthly income

I think you should be contributing the max to your 401k. If you can arrange that by the end of the year, that would be great. However, some plans may not allow that. An expense ratio of .62% (or higher) is nothing to worry about. It is when you have expense ratios of 2% and 3% and will be at the one...
by retiredjg
Sun Aug 31, 2014 1:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help in allocating monthly income
Replies: 11
Views: 1157

Re: Sell/hold Taxable investments -starting out with 3 fund

The best place to start if selling any and all of your losses. In the current market, I doubt you have any losses. If one of your mutual funds has a high expense ratio, that could be a good place to start because you will "make up" your tax cost faster. Not sure about MLP which I assume is...
by retiredjg
Sun Aug 31, 2014 12:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Sell/hold Taxable investments -starting out with 3 fund port
Replies: 3
Views: 281

Re: Slice & Dice vs. 3 Fund portfolio: Does size matter?

1. The size of your portfolio. Simplicity of a 3 fund portfolio has great appeal. Size does not matter as long as you can meet the fund minimums. This is a difference in theory. My question is, does a 3 fund portfolio work best when portfolio size is relatively small? For instance, I am considering...
by retiredjg
Sun Aug 31, 2014 12:47 pm
 
Forum: Investing - Theory, News & General
Topic: Slice & Dice vs. 3 Fund portfolio: Does size matter?
Replies: 3
Views: 355

Re: Conventional IRA to Roth IRA conversion bef 401K transfe

Would you or someone be kind enough to point me to some rules/substantial discussion that confirms pro-rata is based on end of the tax year. I searched in wiki and forums, could not find any specific date for pro-rata. Thanks It actually does make sense. THe IRS has no idea what you have in IRA whe...
by retiredjg
Sun Aug 31, 2014 12:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Conventional IRA to Roth IRA conversion bef 401K transfer
Replies: 6
Views: 323

Re: Why invest in foreign funds?

But the bogleheads lazy portfolios recommend putting about a third of your money in foreign funds. I don't get it. What is the idea behind this? The idea behind it is diversification. Yes, US and foreign stocks do move sort of in tandem, but not always. That said, there are some very smart people (...
by retiredjg
Sun Aug 31, 2014 12:19 pm
 
Forum: Investing - Theory, News & General
Topic: Why invest in foreign funds?
Replies: 20
Views: 1022

Re: Starting at 40......

You will get better assistance if you post your information in the way shown in the link at the bottom of this message. It is some work to gather all that info, but you will learn a lot by doing it. And you will get much better help. Please do not post just a ticker symbol because that means people ...
by retiredjg
Sun Aug 31, 2014 12:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Starting at 40......
Replies: 2
Views: 478

Re: new job, need help with Mass Mutual 401k options

I think you need to do some more research on what is offered. The cost of the Franklin Income A seems out of kilter with the rest of the list. Also I'm not sure that the A, in this case, means Class A shares - it might be part of the name. Even if it does mean Class A shares, the front end load is o...
by retiredjg
Sun Aug 31, 2014 11:59 am
 
Forum: Investing - Help with Personal Investments
Topic: new job, need help with Mass Mutual 401k options
Replies: 7
Views: 591

Re: Need advice on where to invest in REITs in my portfolio

If you are high income, you are likely pouring a lot of money into a taxable account. If so there is probably no way Roth IRA and HSA can "keep up" enough space for a 10% allocation to REIT. Your choices boil down to using the expensive one in the 401k and eventually rolling that to IRA, o...
by retiredjg
Sun Aug 31, 2014 11:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Need advice on where to invest in REITs in my portfolio
Replies: 9
Views: 670

Re: Resetting Equity Target -a.k.a Portfolio Allocation

Two thoughts come to mind. 1) The thing that might save you the most money could be leaving your advisor. For example, in the 4% withdrawal rate model, are you aware that 4% includes the expenses of your advisor? If you are paying your advisor 1% or 1.5% (not unusual), you are giving away a lot of t...
by retiredjg
Sun Aug 31, 2014 11:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Resetting Equity Target -a.k.a Portfolio Allocation
Replies: 16
Views: 931

Re: refinance to max out Fidelity 403(b)?

I'm not opposed to the idea of refinancing. But the cost is high and adding on years to your mortgage does not make sense to me at all. Look for a 10 year refinance - they do exist, but you may have to shop around. And dealing with PenFed mortgage people leaves a lot to be desired. :annoyed Don't ru...
by retiredjg
Sun Aug 31, 2014 10:48 am
 
Forum: Investing - Help with Personal Investments
Topic: refinance to max out Fidelity 403(b)?
Replies: 9
Views: 353

Re: What to do with 401K portfolio moving from TSP Gov

If you need $600 a month, that is a 2.8% withdrawal rate. That is a low enough withdrawal that you have some wiggle room. I'm not saying you can do wild and stupid stuff with your money, but you might not be cutting it as close as you think. If you have not yet taken your one time withdrawal from th...
by retiredjg
Sun Aug 31, 2014 9:47 am
 
Forum: Investing - Help with Personal Investments
Topic: What to do with 401K portfolio moving from TSP Gov
Replies: 12
Views: 571

Re: Stocks and capital gains

I'm not a big fan of individual stock, but sometimes the cure is worse than the condition. If this stock is a relatively small portion of your portfolio and if you will drop into the 15% bracket when fully retired, you might consider holding the stock until then. At that point, you could possibly se...
by retiredjg
Sun Aug 31, 2014 9:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Stocks and capital gains
Replies: 8
Views: 642

Re: Correction

The main idea behind lazy portfolios: holding a relatively fixed allocation to stocks and bonds throughout your investing career. Sorry, this is not the main idea behind lazy portfolios. The main idea is to keep investing simple. Lazy portfolios, like The Three Fund Portfolio , are not designed to ...
by retiredjg
Sat Aug 30, 2014 4:52 pm
 
Forum: Investing - Theory, News & General
Topic: Does anyone have 'Lazy Portfolios'?
Replies: 69
Views: 3684

Re: The Mega Backdoor Roth IRA

I don't think it would be any easier. Regardless of what you do, you need to keep (for a very long time) records of every rollover and conversion - the amount that was taxable at conversion and the amount that was not taxable at the conversion. Since you have to have these records anyway, it really ...
by retiredjg
Sat Aug 30, 2014 10:37 am
 
Forum: Investing - Help with Personal Investments
Topic: The Mega Backdoor Roth IRA
Replies: 123
Views: 17252

Re: Looking for advice/critique

She could still use what is called the "back door" to contribute to Roth IRA. However, if all the money going to taxable is for the downpayment, there may not be enough to contribute to Her Roth IRA too. http://thefinancebuff.com/2010/12/the-backdoor-roth-ira-a-complete-how-to.html Regardi...
by retiredjg
Sat Aug 30, 2014 10:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Looking for advice/critique
Replies: 12
Views: 1177

Re: Please help me with new portfolio puzzle

It's now time to convert this back to dollars because you'll need to know dollars when you start moving money around inside the accounts. Total = $335,334 Taxable 9% 3.1% Total Stock $10,395 5.9% Total International $19,785 New 457 73.2% 42% 500 Index $140,840 6.2% Russell 2000 (small cap) $20,790 2...
by retiredjg
Sat Aug 30, 2014 9:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Please help me with new portfolio puzzle
Replies: 19
Views: 1270

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: 651

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: 384

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: 651

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: 69
Views: 3684

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: 614

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: 12
Views: 1177

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: 614

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: 21
Views: 1455

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: 781

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: 19
Views: 1270

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: 448

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: 19
Views: 1270

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: 19
Views: 1270

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: 19
Views: 1270

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: 781

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: 38
Views: 4814

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: 19
Views: 1270

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: 19
Views: 1270

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: 19
Views: 1270
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