Search found 22243 matches

by retiredjg
Sun Aug 30, 2015 7:35 am
Forum: Investing - Help with Personal Investments
Topic: Where to place my bond and which bond?
Replies: 2
Views: 226

Re: Where to place my bond and which bond?

You should increase the bonds in your 401k unless you don't have it any more. Put the money market in total stock index or total international index. If you must have bonds in taxable, since you make enough money to need back door contributions to Roth IRA, you almost certainly should use a tax-exem...
by retiredjg
Sun Aug 30, 2015 6:08 am
Forum: Investing - Help with Personal Investments
Topic: Poor quality investment choices at work
Replies: 17
Views: 849

Re: Poor quality investment choices at work

Thank you all so much for your help. So, would it be prudent to use UC DOM EQ INDEX for my "Total U.S. Stock Market Fund" and UC INTL EQ INDEX for my "Total International Stock Fund"? Would the UC BOND FUND approximate a "Total Bond Market Fund"? If so, my breakdown co...
by retiredjg
Sat Aug 29, 2015 7:49 pm
Forum: Investing - Help with Personal Investments
Topic: Poor quality investment choices at work
Replies: 17
Views: 849

Re: Poor quality investment choices at work

Don't ask us because we don't have access to that information. You should look at the information provided for those funds.

If you don't know how to interpret it, cut and paste the information here and we call then help you understand what your options are.
by retiredjg
Sat Aug 29, 2015 6:39 pm
Forum: Investing - Help with Personal Investments
Topic: Poor quality investment choices at work
Replies: 17
Views: 849

Re: Poor quality investment choices at work

You can even use the international if you want - it's not terribly bad. I'd rather hold it in the form of Vanguard's Total International Index in an IRA though. Why? The international index fund option is even lower cost than Vanguard charges. You are right! I missed that one and just saw the other...
by retiredjg
Sat Aug 29, 2015 5:45 pm
Forum: Investing - Help with Personal Investments
Topic: Investing for retirement without a 401k
Replies: 7
Views: 316

Re: Investing for retirement without a 401k

Looks like they will be in the 15% bracket this year, even without using traditional IRA. So I'd fill 2 Roth IRAs ($11k) and put the other $9k into taxable in tax-efficient stock index funds. Or pay off the mortgage faster with the $9k if the rate is high.
by retiredjg
Sat Aug 29, 2015 5:40 pm
Forum: Investing - Help with Personal Investments
Topic: Is this 401(k) even worth it?
Replies: 13
Views: 693

Re: Is this 401(k) even worth it?

Sometimes the target funds are not the best bargain. What are the 3 lowest cost funds available? Is there a stable value fund and if so, what is it paying. Even a bad 401k is usually worth using unless the ERs are way up there - 2% or more. If you will be at this job only a few years, use it anyway ...
by retiredjg
Sat Aug 29, 2015 5:36 pm
Forum: Personal Consumer Issues
Topic: Sunsetter Awning
Replies: 14
Views: 2448

Re: Sunsetter Awning

Any updates or new anecdotes about these? I'll update my comment. I sold the house in 2013 - more than 2 years after my comment above. The awning was still getting used daily in the summer. Still in good shape. Still replacing the pull ribbon about once a year because it cannot stand up to the sun....
by retiredjg
Sat Aug 29, 2015 5:19 pm
Forum: Investing - Theory, News & General
Topic: What ETF to use to harvest VXUS losses?
Replies: 4
Views: 278

Re: What ETF to use to harvest VXUS losses?

I don't usually make a recommend for TLH partners, but I don't see a problem with Total International Stock vs All World except US myself. If I were doing to do it, I'd probably also buy the All World except US small cap fund as well - so as not to miss out on the small caps in case I have to hold i...
by retiredjg
Sat Aug 29, 2015 4:37 pm
Forum: Investing - Theory, News & General
Topic: REITs: The one Tilt that Makes Sense?
Replies: 40
Views: 2103

Re: REITs: The one Tilt that Makes Sense?

I hold a bit of extra REIT. The Wiki does not have a definitive answer because there isn't one. :D
by retiredjg
Sat Aug 29, 2015 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Rolled Over into an IRA. Is this a good allocation?
Replies: 14
Views: 980

Re: 401K Rolled Over into an IRA. Is this a good allocation?

Ok, I was thinking of dropping the 2 international funds so I'll take a look at the Spartan Global ex US.Combining those would be 30% of the allocation. You suggest this to be inadequate? I'm saying those funds don't cover the entire international sphere and they cost too much. The Spartan Global e...
by retiredjg
Sat Aug 29, 2015 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Dear In-Laws: Less toys, more 529
Replies: 61
Views: 4712

Re: Dear In-Laws: Less toys, more 529

Very interesting comments, tyscott84. I'd like to suggest that your philosophical issue is "too much stuff" vs your preference for a minimalist lifestyle. Your emotional issue is that you do not believe that you are being heard. Or perhaps you feel that your opinions are not being valued a...
by retiredjg
Sat Aug 29, 2015 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: Poor quality investment choices at work
Replies: 17
Views: 849

Re: Poor quality investment choices at work

It has almost become a rule. When people say "my choices are bad" and don't list them in the first post, they usually have an excellent plan at work. In fact, yours is one of the best ones I've ever seen. It just didn't meet your expectations so you thought it was not that good. You can ev...
by retiredjg
Sat Aug 29, 2015 2:55 pm
Forum: Investing - Theory, News & General
Topic: What ETF to use to harvest VXUS losses?
Replies: 4
Views: 278

Re: What ETF to use to harvest VXUS losses?

Your alternate fund should be one you are willing to live with. You may not get the opportunity to swap back.
by retiredjg
Sat Aug 29, 2015 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Dear In-Laws: Less toys, more 529
Replies: 61
Views: 4712

Re: Dear In-Laws: Less toys, more 529

Could be. That is one that got mentioned.
by retiredjg
Sat Aug 29, 2015 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Dear In-Laws: Less toys, more 529
Replies: 61
Views: 4712

Re: Dear In-Laws: Less toys, more 529

So this discussion has gone round and round and I wonder if you are beginning to focus on what the issue really is for you. I know what you said in the first post and that is probably what you thought the problem was. But your further posts say something different. So is it too many toys? Is it wast...
by retiredjg
Sat Aug 29, 2015 8:41 am
Forum: Investing - Help with Personal Investments
Topic: Rebuilding Portfolio
Replies: 22
Views: 1156

Re: Rebuilding Portfolio

3kats, I don't understand what a margin loan is so I have no advice on whether you should pay that off or not. If i understand correctly, you have assets at RJ that you have borrowed against. Can you explain why you don't just sell the assets now and pay off the loan? That would seem sensible - woul...
by retiredjg
Sat Aug 29, 2015 8:00 am
Forum: Investing - Help with Personal Investments
Topic: My 401K Choices - Screenshot attached
Replies: 9
Views: 945

Re: My 401K Choices - Screenshot attached

The only way to know the best approach is to know the expense ratios. Sometimes there is a big difference in cost between a target retirement fund and the 3 or so funds it would take to make up a similar portfolio. There is no international fund in the plan that I would use. If necessary, just hold ...
by retiredjg
Sat Aug 29, 2015 7:08 am
Forum: Investing - Theory, News & General
Topic: What does the stock market sound like?
Replies: 6
Views: 590

What does the stock market sound like?

This is fascinating. A composer has put the stock market into sound. Clayton runs the melodies sung by the four voices through an algorithm that interprets the day's market performances as echoes and reverberations. Each character is linked to four or five stocks that reflect the deity's cosmic role...
by retiredjg
Sat Aug 29, 2015 6:59 am
Forum: Investing - Help with Personal Investments
Topic: one vanguard fund for a roth
Replies: 4
Views: 501

Re: one vanguard fund for a roth

Your question cannot be answered without knowing what overall asset allocation you want and what you have the rest of your money invested in.

If you are happy with your current allocations, just replace whatever you sell in the IRA.
by retiredjg
Sat Aug 29, 2015 6:46 am
Forum: Investing - Help with Personal Investments
Topic: Rebuilding Portfolio
Replies: 22
Views: 1156

Re: Rebuilding Portfolio

Did some posts disappear? retiredjg we you referring to https://www.bogleheads.org/forum/viewtopic.php?f=1&t=171932 Help 2 Grow 90k Fast? No, I posted something yesterday and I guess it didn't show up. Given the above information could someone give me mutual funds to look at through Vanguard an...
by retiredjg
Sat Aug 29, 2015 6:38 am
Forum: Investing - Help with Personal Investments
Topic: 401K Rolled Over into an IRA. Is this a good allocation?
Replies: 14
Views: 980

Re: 401K Rolled Over into an IRA. Is this a good allocation?

Ok. This is what I think we know. You are 33 years old and might be in the 28% bracket. You have money saved for a downpayment for a house but we don't know how much it is and we don't know how that money is invested or even if it is invested. You appear to have 1 investment account for retirement -...
by retiredjg
Fri Aug 28, 2015 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: If stocks dropped 30% next Monday, would you rebalance?
Replies: 86
Views: 3832

Re: If stocks dropped 30% next Monday, would you rebalance?

On what planet is next Monday different from this coming Monday?

Yeah, I know. Some people do use the terms differently, but remember that the original poster lives in Texas.
by retiredjg
Fri Aug 28, 2015 7:51 pm
Forum: Investing - Theory, News & General
Topic: TLH for absolute dummies [Tax Loss Harvesting]
Replies: 78
Views: 3956

Re: TLH for absolute dummies [Tax Loss Harvesting]

Roothy wrote: And thanks for the explanation for the pre-30-day logic. It helps me to understand the whole process.

Do realize that my explanation is speculation on my part - I didn't read the legislation. But it does make sense.
by retiredjg
Fri Aug 28, 2015 7:48 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Rolled Over into an IRA. Is this a good allocation?
Replies: 14
Views: 980

Re: 401K Rolled Over into an IRA. Is this a good allocation?

It is very unlikely that you could roll it back into the 401k of a former employer. But you may have an employer in the future that has a 401k that will accept it. If so and if that is a good 401k (low cost funds) you could do that so that you'll be able to use the back door to contribute to Roth IR...
by retiredjg
Fri Aug 28, 2015 5:46 pm
Forum: Investing - Help with Personal Investments
Topic: Rebuilding Portfolio
Replies: 22
Views: 1156

Re: Rebuilding Portfolio

Did some posts disappear?
by retiredjg
Fri Aug 28, 2015 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: If stocks dropped 30% next Monday, would you rebalance?
Replies: 86
Views: 3832

Re: If stocks dropped 30% next Monday, would you rebalance?

I probably would not do anything based on 1 day. It takes a day just to sell and buy mutual funds so a "flash crash" could happen and be over before I reacted. But if it went on for several days, I'd probably be in there buying some stocks. My IPS is silent on this issue and that's fine wi...
by retiredjg
Fri Aug 28, 2015 5:11 pm
Forum: Investing - Help with Personal Investments
Topic: College student looking for advice on retirement investing
Replies: 36
Views: 1352

Re: College student looking for advice on retirement investing

btks wrote:Thank you for your help! Another question is what gives these index funds value? What gives the target 2060 fund a value of 27.52? One of the funds it tracks, VTSMX, is at 50.

I have not idea, but I can assure you it does not matter at all. Price per share is completely irrelevant.
by retiredjg
Fri Aug 28, 2015 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: College student looking for advice on retirement investing
Replies: 36
Views: 1352

Re: College student looking for advice on retirement investing

btks wrote:As far as I can tell, it will be the whole $600. I will go with the target 2060 fund and start with $1000. Then I'll set up automatic payments to reach $5500 by end of the year.

This is a good plan.:happy
by retiredjg
Fri Aug 28, 2015 4:31 pm
Forum: Investing - Theory, News & General
Topic: "2 Low-Cost ETFs for Broad U.S. Stock Exposure"
Replies: 12
Views: 790

Re: "2 Low-Cost ETFs for Broad U.S. Stock Exposure"

Yes, their selection in traditional mutual funds is weak, but that's not the topic. Thank you for the link. :happy You are correct. The list of Schwab ETFs is not pitiful at all and ETFs are the topic, not mutual funds. You are also correct that my rant is ill-placed since the topic is ETFs, not mu...
by retiredjg
Fri Aug 28, 2015 4:11 pm
Forum: Investing - Theory, News & General
Topic: "2 Low-Cost ETFs for Broad U.S. Stock Exposure"
Replies: 12
Views: 790

Re: "2 Low-Cost ETFs for Broad U.S. Stock Exposure"

cottonseed1 wrote:I have always wondered why Schwab was able to offer their ETF for 4 BP instead of the 5 Vanguard charges. Perhaps this is the reason?

I think it is probably a loss leader.
by retiredjg
Fri Aug 28, 2015 4:10 pm
Forum: Investing - Theory, News & General
Topic: "2 Low-Cost ETFs for Broad U.S. Stock Exposure"
Replies: 12
Views: 790

Re: "2 Low-Cost ETFs for Broad U.S. Stock Exposure"

... no clear winner... I think there's a winner, but it has nothing to do with VTI vs SCHB. The list of Schwab index funds is pitiful and even that may be an understatement. I'd rather buy my total stock at a place I can get other great index fund choices. Having said that I'm not very familiar wit...
by retiredjg
Fri Aug 28, 2015 4:00 pm
Forum: Investing - Help with Personal Investments
Topic: Managed Accounts
Replies: 12
Views: 475

Re: Managed Accounts

People here would be happy to make suggestions for a reasonable low cost portfolio at Fidelity. They have some excellent choices. Vanguard has a an even better list of excellent choices, but I suspect you already know and like Fido and there is no reason to change unless you just want to. See the li...
by retiredjg
Fri Aug 28, 2015 3:52 pm
Forum: Investing - Help with Personal Investments
Topic: College student looking for advice on retirement investing
Replies: 36
Views: 1352

Re: College student looking for advice on retirement investing

Did it give you the whole $600 or keep $75? At Vanguard, it will take either $1,000 or $3,000 to buy any mutual fund. Suggest you start with a target date fund ($1,000) and then just add to it as you want, getting $600 in within 60 days and all $5,500 by the end of the year if you have the money. If...
by retiredjg
Fri Aug 28, 2015 3:43 pm
Forum: Investing - Theory, News & General
Topic: Exchanging funds in ira
Replies: 7
Views: 445

Re: Exchanging funds in ira

I'm having a mental image of people all over the country staring at their computer screens and scratching their heads. But maybe somebody will have an answer.
by retiredjg
Fri Aug 28, 2015 2:17 pm
Forum: Investing - Help with Personal Investments
Topic: College student looking for advice on retirement investing
Replies: 36
Views: 1352

Re: College student looking for advice on retirement investing

I am confused about a rollover. If I withdraw the money, then open a Vanguard Roth IRA and deposit the $600, then I have moved the funds - correct? Is that considered a rollover? If you do it within 60 days, it is a rollover. Note that the terms "roll", "rollover", etc. get used...
by retiredjg
Fri Aug 28, 2015 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Dear In-Laws: Less toys, more 529
Replies: 61
Views: 4712

Re: Dear In-Laws: Less toys, more 529

Here are a few thoughts. 1) It is possible they don't even know you would like or accept contributions to a 529 account. They might be delighted to to that. It is also possible they don't even know that such things exist. If you are accustomed to having financial conversations, ask their opinion on ...
by retiredjg
Fri Aug 28, 2015 1:30 pm
Forum: Investing - Help with Personal Investments
Topic: College student looking for advice on retirement investing
Replies: 36
Views: 1352

Re: College student looking for advice on retirement investing

Wait, from what I gathered, you are saying I can take out the $600 and have 60 days to put it back into a Roth IRA account. The only reason I would put it back in savings is so I can just do an EFT from my bank to Vanguard for the new Roth IRA. Will this work? I would put it back in immediately. Ye...
by retiredjg
Fri Aug 28, 2015 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: You want a VA in your IRA?
Replies: 2
Views: 337

Re: You want a VA in your IRA?

What a shame to lose such a valuable opportunity. :P
by retiredjg
Fri Aug 28, 2015 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: Managed Accounts
Replies: 12
Views: 475

Re: Managed Accounts

Apparently the AUM advisory service at Fido is named "Stragegic Advisors". Their fees start at 1.7% (in addition to the fund fees which are also known as "expense ratios") and go down a little as you have more money invested with them. https://www.fidelity.com/bin-public/060_www_...
by retiredjg
Fri Aug 28, 2015 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: College student looking for advice on retirement investing
Replies: 36
Views: 1352

Re: College student looking for advice on retirement investing

The question remains if I should even bother with the transfer. I just have uninvested cash in the account equal to my contribution. It was opened this week (the Roth IRA with TD Ameritrade). It would be easier to transfer the cash back to my savings, then open a Roth IRA with Vanguard. No assets/s...
by retiredjg
Fri Aug 28, 2015 11:46 am
Forum: Investing - Help with Personal Investments
Topic: Managed Accounts
Replies: 12
Views: 475

Re: Managed Accounts

Should I trust part of my portfolio in a managed account with their strategic funds? Probably not. :shock: You could be asking a couple of different questions and I'm not sure what "their strategic funds" might be…but this sounds suspiciously like an AUM (assets under management) account ...
by retiredjg
Fri Aug 28, 2015 11:07 am
Forum: Investing - Help with Personal Investments
Topic: College student looking for advice on retirement investing
Replies: 36
Views: 1352

Re: College student looking for advice on retirement investing

Thank you all. I am going to go ahead and move to a Roth IRA account with Vanguard. I will setup automatic monthly contributions, and deposit my $5500 on hand overtime. I still want to contribute $5500 for this year, so I have until March/April 2016 to contribute to 2015, yes? If so, I can go ahead...
by retiredjg
Fri Aug 28, 2015 10:48 am
Forum: Investing - Help with Personal Investments
Topic: Help getting off the sideline
Replies: 10
Views: 1233

Re: Help getting off the sideline

Morpheus, you are running 3 portfolios instead of one and each portfolio has a different amount of risk (stock to bond ratio). This is one way to do things, but sometimes it is not the most effective way to do things. In your case, since you have good choices in your 401k, I'm not sure it is going t...
by retiredjg
Fri Aug 28, 2015 10:07 am
Forum: Investing - Theory, News & General
Topic: TLH for absolute dummies [Tax Loss Harvesting]
Replies: 78
Views: 3956

Re: TLH for absolute dummies [Tax Loss Harvesting]

I'll give it a shot. The govt didn't want people to sell at a loss and then just rebuy what they sold. After all, the government does want its money and activity around that type of a loophole would just be egregious. So they prevented that by saying you can't rebuy the same stuff within 30 days. If...
by retiredjg
Fri Aug 28, 2015 9:12 am
Forum: Investing - Help with Personal Investments
Topic: College student looking for advice on retirement investing
Replies: 36
Views: 1352

Re: College student looking for advice on retirement investing

It won't matter financially what you invest in, although it might matter emotionally. If you add another $5,500 next year, your investment will double - the return from the investment is trivial in relation to that. You could be all bonds or all stock and your investments will double because of the ...
by retiredjg
Fri Aug 28, 2015 8:31 am
Forum: Investing - Theory, News & General
Topic: Exchanging funds in ira
Replies: 7
Views: 445

Re: Exchanging funds in ira

Whether I have a ira or Roth, can I exchange from one fund to another within the ira without having to deal with penalties, taxes, etc? Or is this considered a sell\buy? An exchange is a sale followed by a purchase using the same money. Within an IRA, there is no tax and no penalty from the IRS for...
by retiredjg
Fri Aug 28, 2015 8:22 am
Forum: Investing - Theory, News & General
Topic: "2 Low-Cost ETFs for Broad U.S. Stock Exposure"
Replies: 12
Views: 790

Re: "2 Low-Cost ETFs for Broad U.S. Stock Exposure"

Interesting bit of information.
by retiredjg
Fri Aug 28, 2015 8:18 am
Forum: Investing - Help with Personal Investments
Topic: College student looking for advice on retirement investing
Replies: 36
Views: 1352

Re: College student looking for advice on retirement investing

By the way, you cannot invest in a Roth IRA without compensation. Do you have a job?
by retiredjg
Fri Aug 28, 2015 8:17 am
Forum: Investing - Help with Personal Investments
Topic: College student looking for advice on retirement investing
Replies: 36
Views: 1352

Re: College student looking for advice on retirement investing

Is the market overvalued right now? This is something that worries me. Probably not. It is not impossible for the market to drop and not go back up again (this did happen in Japan) but it is probably unlikely. Is it better for me to invest in ETFs rather than index funds? I ask this, because I've r...
by retiredjg
Fri Aug 28, 2015 8:08 am
Forum: Investing - Help with Personal Investments
Topic: Mother of All Tax Loss Harvesting Threads
Replies: 244
Views: 59980

Re: Mother of All Tax Loss Harvesting Threads

May be a good idea to bring this one up again, but a few things have changed. For example, I don't think the IRS ruling bringing IRA investments into the wash sale mix had occurred when this thread started. And International funds have changed so frequently since 2008 that some things that used to b...

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