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Re: Bucket Approach Redux

I think the bucket approach is mental accounting. But I also think that has value to some people. Theoretically, if you include all your buckets in one stock to bond ratio, it is no different from just holding that stock to bond ratio. But people see it differently - they see "safe" money ...
by retiredjg
Sat Oct 25, 2014 6:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bucket Approach Redux
Replies: 13
Views: 572

Re: Tax planning for long term capital gains

That was my first thought. Then I wondered if I was missing some sarcasm or something. :happy
by retiredjg
Sat Oct 25, 2014 6:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax planning for long term capital gains
Replies: 14
Views: 777

Re: Do I need a "tax-managed" portfolio?

It is unclear what you have, but I think you are talking about putting your taxable account into the Merriman portfolio and doing something else with the rest of your portfolio (IRAs, Roth IRAs, etc.) This would be an incredibly difficult and complex portfolio - pretty much a jumbled up mess. I sugg...
by retiredjg
Sat Oct 25, 2014 5:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do I need a "tax-managed" portfolio?
Replies: 6
Views: 554

Re: New Fidelity 403b--30yo, Advice

As mentioned by Bill, you are not understanding what is in the funds. Total Stock Market contains everything. It is classified as large cap blend because that is where most of the money is. If you were to add together 500 index and extended market at about 80%/20% you'd have the same thing as total ...
by retiredjg
Sat Oct 25, 2014 5:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Fidelity 403b--30yo, Advice
Replies: 10
Views: 392

Re: Should I Sue? [couch damaged in garage of rental]

Maybe saddle soap would reduce the water stains....?
by retiredjg
Sat Oct 25, 2014 4:53 pm
 
Forum: Personal Consumer Issues
Topic: Should I Sue? [couch damaged in garage of rental]
Replies: 39
Views: 2928

Re: anticipating tax rate in retirement

I think a lot of people confuse wealth in retirement and high taxes and/or high tax bracket in retirement. A person can be very wealthy and still be in a low tax bracket if they don't have a lot of taxable income. Or be in a high tax bracket with a low overall tax rate. For example if your income is...
by retiredjg
Sat Oct 25, 2014 3:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: anticipating tax rate in retirement
Replies: 6
Views: 429

Re: Max Out Retirement Funds or Payoff Debt

I think 5% is too high - I'd pay off debt higher than 4% before increasing 401k or Roth IRA contributions.
by retiredjg
Sat Oct 25, 2014 3:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Max Out Retirement Funds or Payoff Debt
Replies: 12
Views: 548

Re: My TSP G Fund is not Enough! What other Bonds?

An engineer. I thought so too. :D Surely there are some areas in engineering (maybe not your field) that are not particularly dependent on precision? That's the mind set you need to bring forth when thinking about investing. There is very little that is precise that I'm aware of. Values change minut...
by retiredjg
Sat Oct 25, 2014 2:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: My TSP G Fund is not Enough! What other Bonds?
Replies: 15
Views: 979

Re: Help on Turbo Tax Long term cap gains

Thanks for letting us know what the "problem" was. It was interesting trying to think up scenarios that would do this, but I guess nobody considered what it ended up being....
by retiredjg
Sat Oct 25, 2014 2:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help on Turbo Tax Long term cap gains
Replies: 29
Views: 1405

Re: Tax planning for long term capital gains

Which one is correct? $563 I also think $563 is correct. I went through the other one and didn't see anything that would account for the difference. But I have not had coffee yet. :D after coffee, look again :happy looks like it is 15% of 50K.......so the programmer should now ask chum what is wron...
by retiredjg
Sat Oct 25, 2014 1:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax planning for long term capital gains
Replies: 14
Views: 777

Re: Consolidating Retirement Accounts

That being said, I could end up pulling money out of my taxable account in the future. Do I need to adjust my asset allocations to account for this at all? Is there a formula to help? There is no formula, but I think some people have spreadsheets. It is easy and can be done with a pencil and paper....
by retiredjg
Sat Oct 25, 2014 1:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Consolidating Retirement Accounts
Replies: 13
Views: 988

Re: My TSP G Fund is not Enough! What other Bonds?

hoppy08520 wrote:Also, you might be overcomplicating one aspect -- isn't Vanguard's TBM and the F Fund essentially the same thing? It seems like you're trying to get the right mix between 3 bond funds when you really just have 2 bond funds.

Yes, the F Fund and the Total Bond Market are essentially the same thing.
by retiredjg
Sat Oct 25, 2014 9:55 am
 
Forum: Investing - Help with Personal Investments
Topic: My TSP G Fund is not Enough! What other Bonds?
Replies: 15
Views: 979

Re: My TSP G Fund is not Enough! What other Bonds?

Pickles_Ice_Cream wrote:Honestly, I just now realized that Swedroe's table was based on the 1970s bear market.

You got it!
by retiredjg
Sat Oct 25, 2014 9:00 am
 
Forum: Investing - Help with Personal Investments
Topic: My TSP G Fund is not Enough! What other Bonds?
Replies: 15
Views: 979

Re: My TSP G Fund is not Enough! What other Bonds?

My IPS calls for an Asset Allocation (AA) of 75% Stocks / 25% Bonds . Rationale: My max tolerable loss is ~33% . More specifically, I want 95% certainty (two sigma) of not exceeding that loss in the next 10 years. Based on the last market crash in 2008, 75/25 is too aggressive. If your max tolerabl...
by retiredjg
Sat Oct 25, 2014 8:58 am
 
Forum: Investing - Help with Personal Investments
Topic: My TSP G Fund is not Enough! What other Bonds?
Replies: 15
Views: 979

Re: Question on transferring After Tax Funds

Thanks. Let me try and be clearer on my example. So if it all the activity is within Vanguard funds and you are selling Fund A to buying Fund B. And let's say Fund A has $10k in it. Also, selling Fund A gives you a short term gain of say $10. Is the full $10k taxable event or only the short term ga...
by retiredjg
Sat Oct 25, 2014 8:46 am
 
Forum: Investing - Theory, News & General
Topic: Question on Selling After Tax Funds
Replies: 15
Views: 358

Re: Question on transferring After Tax Funds

Agreed. In a taxable account, if you move money from one fund to another, you are actually selling one and buying another. The sale will most likely be a taxable event - either a gain or a loss. It won't be a taxable event if there is no gain or loss, but this will likely only happen if you sell mon...
by retiredjg
Sat Oct 25, 2014 8:43 am
 
Forum: Investing - Theory, News & General
Topic: Question on Selling After Tax Funds
Replies: 15
Views: 358

Re: Consolidating Retirement Accounts

I think a pretty good plan is shaping up. Here are some additional thoughts. -Target funds are great, but they don't make things easier once you have a taxable account containing money for long term goals. For this reason, it's probably a good thing that you are considering splitting things into ind...
by retiredjg
Sat Oct 25, 2014 8:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Consolidating Retirement Accounts
Replies: 13
Views: 988

Re: Help needed for tax efficient fund placement

I think there is plenty of space in the 401k and IRAs to hold all the bonds there. But the original post is confusing on this issue.
by retiredjg
Sat Oct 25, 2014 6:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Help needed for tax efficient fund placement
Replies: 6
Views: 461

Re: Tax planning for long term capital gains

jared wrote:
chum wrote:Which one is correct?

$563

I also think $563 is correct.

I went through the other one and didn't see anything that would account for the difference. But I have not had coffee yet. :D
by retiredjg
Sat Oct 25, 2014 6:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Tax planning for long term capital gains
Replies: 14
Views: 777

Re: Tax planning for long term capital gains

Think of your capital gains as "sitting on top" of the rest of your income, in a column. The long term gains in the 15% bracket (if any) are taxed at 0%. The part that slops over into the 25% bracket is taxed at 15% (long term) and 25% (short term). Consider someone sitting on a nest egg ...
by retiredjg
Sat Oct 25, 2014 6:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Tax planning for long term capital gains
Replies: 14
Views: 777

Re: Tax planning for long term capital gains

The 0% cap gains only applies to the long term capital gains, not short term. Think of your capital gains as "sitting on top" of the rest of your income, in a column. The long term gains in the 15% bracket (if any) are taxed at 0%. The part that slops over into the 25% bracket is taxed at ...
by retiredjg
Fri Oct 24, 2014 7:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax planning for long term capital gains
Replies: 14
Views: 777

Re: More Aggressive AA Post Home Purchase

Sounds about right to me. :D
by retiredjg
Fri Oct 24, 2014 7:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: More Aggressive AA Post Home Purchase
Replies: 16
Views: 809

Re: Help needed for tax efficient fund placement

Taxable Total Stock Total International bonds if necessary, tax-exempt if in a higher tax bracket and/or I Bonds and/or CDs 401k 500 index best bond or stable value fund available even if not low cost <--what bond funds or stable value fund are available here? Rollover IRA bonds Roth IRA REIT if yo...
by retiredjg
Fri Oct 24, 2014 5:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help needed for tax efficient fund placement
Replies: 6
Views: 461

Re: Help Choosing Investments and Coordinating Debt Paydown

I get it. There is often a problem with trying to solve a debt problem with more debt vehicles. For most people, it would just be more of the same mistake...again and again. I don't think that is what you are doing. In this case, it seems very reasonable to me. But...only your behavior, not your int...
by retiredjg
Fri Oct 24, 2014 5:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help Choosing Investments and Coordinating Debt Paydown
Replies: 32
Views: 1505

Re: Help Choosing Investments and Coordinating Debt Paydown

I'd say you lucked out. The new CC is a little concerning, but if it will help you get out of this mess it is probably cheaper than the Home Equity Loan.

Give us an update in a year or so!
by retiredjg
Fri Oct 24, 2014 4:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help Choosing Investments and Coordinating Debt Paydown
Replies: 32
Views: 1505

Re: Example of Investment advisor fraud

Ugly. He may find his time in prison to be just as bad.
by retiredjg
Fri Oct 24, 2014 4:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Example of Investment advisor fraud
Replies: 2
Views: 556

Re: is optimization(TLH+tax credit) worth cost(time,behavior

If you go to the Wiki and use the search function, you will often (not always) find what you are looking for. Here's the TLH page. http://www.bogleheads.org/wiki/Tax_loss_harvesting When the really big TLH time comes (next crash), there will be so many threads talking about it that you will have ple...
by retiredjg
Fri Oct 24, 2014 3:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: is optimization(TLH+tax credit) worth cost(time,behavior)?
Replies: 14
Views: 875

Re: The Mega Backdoor Roth IRA

Can this be done in addition to the normal "Backdoor Roth IRA"? Yes. You can do both. The mechanics are a little different. Back Door contributions to Roth IRA must go through tIRA so you have to make sure your tIRA balances are $0 by the end of the year to avoid pro-rating. This thing ca...
by retiredjg
Fri Oct 24, 2014 3:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: The Mega Backdoor Roth IRA
Replies: 173
Views: 25454

Re: More Aggressive AA Post Home Purchase

I was 100% equities during the crash. I continued to contribute on auto-pilot. It wasn't too hard for me, but I was also single and did not have a beautiful wife and baby girl. The one thing you didn't mention is how your beautiful wife weathered the crash. If she is not/was not as fearless as you ...
by retiredjg
Fri Oct 24, 2014 2:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: More Aggressive AA Post Home Purchase
Replies: 16
Views: 809

Re: Feeling rich to feeling poor overnight

Unless you get very lucky, you only have time to find something that is likely to be temporary (even up to a year can be temporary). While you are in that temporary situation, the solution to your dilemma will likely become apparent. If you are willing to sell your furniture, that last option might ...
by retiredjg
Fri Oct 24, 2014 12:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Feeling rich to feeling poor overnight
Replies: 57
Views: 5860

Re: Need help - selling stocks and buying funds today

I don't know how much you can time this. If you "purchase" this late in the day, you may not actually purchase today - it might be Monday's after-hours NAV instead of today's. And if you "sell" individual stocks, does that happen during the trading day or after? Sorry, I don't kn...
by retiredjg
Fri Oct 24, 2014 12:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help - selling stocks and buying funds today
Replies: 6
Views: 482

Re: More Aggressive AA Post Home Purchase

It might be fine. It might not. What was your stock to bond ratio in 2007- 2008 when the market crashed? If you were near 90/10 and sailed through that without a moment's bit of worry or crabbiness, 90/10 would likely work fine for you. If you were at 75/25 back then, do you think that seeing more o...
by retiredjg
Fri Oct 24, 2014 12:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: More Aggressive AA Post Home Purchase
Replies: 16
Views: 809

Re: Keep My 50/50 AA -- but modify the pieces

I don't know that I'd worry too much about it. Morningstar's risk is based on the fund's category - we don't really know all that is in the categories. It could be a very broad category and Intermediate Term is just on the riskier end. That does not mean it is risky. Vanguard rates them both as a 2 ...
by retiredjg
Fri Oct 24, 2014 10:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Keep My 50/50 AA -- but modify the pieces
Replies: 17
Views: 1134

Re: Keep My 50/50 AA -- but modify the pieces

I think your idea is fine. I also think the other idea is fine, but you probably don't need the tax-managed fund if you are in the 15% bracket. I think the first idea might be a bit better when you get to RMDs. With most of the stocks in taxable and Roth and all of the bonds in tIRA, there would be ...
by retiredjg
Fri Oct 24, 2014 9:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Keep My 50/50 AA -- but modify the pieces
Replies: 17
Views: 1134

Re: Should I Sue?

I don't think I'd sue, but if you do it should almost certainly be in small claims court. And I'd be surprised if you get a lot more than $1,200 anyway. You mentioned water stains, not structural damage. $1,200 should go a long way toward reupholstering, shouldn't it? But it does seem like you shoul...
by retiredjg
Fri Oct 24, 2014 9:12 am
 
Forum: Personal Consumer Issues
Topic: Should I Sue? [couch damaged in garage of rental]
Replies: 39
Views: 2928

Re: Any downside to a Fidelity i401k?

what is the ER of the Total Market ETF from VG if purchased through TD Am? anyone know off hand? https://personal.vanguard.com/us/funds/snapshot?FundId=0085&FundIntExt=INT I think the ETF would be .05%. The ER is built into the investment. It does not change depending on where you buy it. The E...
by retiredjg
Fri Oct 24, 2014 7:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Any downside to a Fidelity i401k?
Replies: 21
Views: 1382

Re: 457b Question

I want to make sure that I am correct in thinking that I will be able tof make withdrawals anytime after separation from the university, regardless of my age. The fidelity rep I spoke with didn't seem to have much information about withdrawals post separation. Yes, that is correct. There is no pena...
by retiredjg
Thu Oct 23, 2014 10:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: 457b Question
Replies: 10
Views: 689

Re: 457b Question

It's not clear what you are asking. Can you try again?
by retiredjg
Thu Oct 23, 2014 8:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: 457b Question
Replies: 10
Views: 689

Re: Is Wells Fargo misleading my friend?

I thought C shares had a back end load. I found that confusing since there is a front end load as well, but it is relatively small compared to some.
by retiredjg
Thu Oct 23, 2014 8:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is Wells Fargo misleading my friend?
Replies: 21
Views: 1983

Re: Is Wells Fargo misleading my friend?

Of course Nisiprius is correct. :D There are red flags all over the place...to a Boglehead. However, I try not to be too critical about subjects I don't know much about. That would include this portfolio. I could think it is a really bad idea (I do) but there could be redeeming factors I don't know ...
by retiredjg
Thu Oct 23, 2014 6:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is Wells Fargo misleading my friend?
Replies: 21
Views: 1983

Re: Fidelity

chabil, it is possible that advisor is going to try to steer you to the Fidelity Advisor Funds. If you value the Vanguard approach or the Boglehead approach, moving into the Fidelity Advisor Funds (or any other actively managed fund at Fido) would be a huge mistake. If you like Vanguard, the only Fi...
by retiredjg
Thu Oct 23, 2014 6:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity
Replies: 15
Views: 1721

Re: Close roth for tax deduction and open new one in same yr

How can this be a good idea? Do you not expect the investments to eventually recoup? Or why not just sell what you have and replace it with a better investment that will recoup it's losses as the market goes back up. Even if you can deduct it, how is that helpful? It's not like you get $100 back in ...
by retiredjg
Thu Oct 23, 2014 5:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Close roth for tax deduction and open new one in same yr?
Replies: 9
Views: 540

Re: Any downside to a Fidelity i401k?

TD Ameritrade does not sell Vanguard mutual funds without a commission. The do sell Vanguard ETFs without a commission (last I saw the list). The expense ratio would be the same as at Vanguard.
by retiredjg
Thu Oct 23, 2014 5:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Any downside to a Fidelity i401k?
Replies: 21
Views: 1382

Re: Is Wells Fargo misleading my friend?

Never mind, those may be things you are not accustomed to looking up. Those are not funds that people here would suggest. The first one has a high expense ratio and a load (the investing fees are high), a lot of turnover, and a great deal of risk. The others are not so bad, but still are not things ...
by retiredjg
Thu Oct 23, 2014 5:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is Wells Fargo misleading my friend?
Replies: 21
Views: 1983

Re: Stay-at-home mom looking to invest

Yes, investing in the total stock market and the 500 index at the same time has a lot of overlap and the two funds perform almost identically. However, there are times when it works best that way because only a 500 index is available in a 401k or other work plan. You need to post a lot more informat...
by retiredjg
Thu Oct 23, 2014 5:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Stay-at-home mom looking to invest
Replies: 6
Views: 852

Re: investing during retirment

You are only considering taking income from your portfolio. This means you have to have A LOT of high paying bonds or A LOT of dividend paying stocks. Neither of these is a particularly good idea. Vanguard wrote a paper several years ago that encouraged people to consider total return (dividends, in...
by retiredjg
Thu Oct 23, 2014 5:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: investing during retirment
Replies: 20
Views: 1982

Re: Advice needed for next 10 years: Save, spend borrow?

I had probably an extra $100,000 in savings 10 years ago, but have slowly used some of it up. So in other words, you used 10k per years to put in two ROTH IRA. You didn't increase income but your spending did increase by average of 10K for past 10 years. So you had to dig into saving to put in ROTH...
by retiredjg
Thu Oct 23, 2014 4:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice needed for next 10 years: Save, spend borrow?
Replies: 26
Views: 3217

Re: Loaning money to invest?

Something else that came to mind about how these two situations are not the same. For a mortgage, you should be able to pay it even in a market crash. Your mortgage was granted on your income - your ability to pay - not on what the market does. The exception is if you lose your job but the mortgage ...
by retiredjg
Thu Oct 23, 2014 4:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Loaning money to invest?
Replies: 13
Views: 1287

Re: Any downside to a Fidelity i401k?

So we've all suggested different places and different things....but the answer to your primary question is that there probably is no downside to a Fidelity i 401k other than you can't buy Vanguard mutual funds at Fido without a transaction fee for each purchase/sale. The Fidelity Spartan mutual fund...
by retiredjg
Thu Oct 23, 2014 4:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Any downside to a Fidelity i401k?
Replies: 21
Views: 1382

Re: Young Investors Plan – I'm Firing Questions!

I'd recommend you start at 80/20 rather than work your way to it. A Vanguard Target fund or LifeStrategy Aggressive Growth would do fine. You seem to be trying to lower fees by using a temporarily 100% portfolio. The savings will not be that much and being close to your risk target is more important...
by retiredjg
Thu Oct 23, 2014 11:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Young Investors Plan – I'm Firing Questions!
Replies: 8
Views: 1058
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