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Re: Moving from individual stock to indices - portfolio help

I meant to go back to check the international and forgot. That is easy to fix by sending extra money to International in the taxable account. Or putting some of the money in the rollover IRA into the Spartan Global fund instead of putting it all into Extended Market. What is in that Proprietary Inte...
by retiredjg
Tue Aug 19, 2014 4:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving from individual stock to indices - portfolio help?
Replies: 11
Views: 557

Re: Bad(?) advice given about Target Date Retirement funds

Lately I have noticed the following (paraphrased) advice given about TD funds: For simplicity, invest in a TD fund but don't go by date, instead pick one with an AA that matches your risk tolerance. This seems to me to be bad advice because when you pick an AA you are also picking a glide path. If ...
by retiredjg
Tue Aug 19, 2014 4:49 pm
 
Forum: Investing - Theory, News & General
Topic: Bad(?) advice given about Target Date Retirement funds
Replies: 71
Views: 3884

Re: Moving from individual stock to indices - portfolio help

The thought behind the premise is that I am planning to retire early and will be using the taxable account to live off for at least 10 years. And the fact that value of my taxable account could go down by 50% in a bad market while I'm retired really bothers me. So I want to have a part of my taxabl...
by retiredjg
Tue Aug 19, 2014 4:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving from individual stock to indices - portfolio help?
Replies: 11
Views: 557

Re: Moving from individual stock to indices - portfolio help

Sorry, but I got thrown off by your premise of having taxable mirror the other accounts. I just don't agree with that. Perhaps others also got thrown off by this. It sure seems like you know what you want to do, so just do it. I think the problem is that "others" had to convert everything...
by retiredjg
Tue Aug 19, 2014 4:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving from individual stock to indices - portfolio help?
Replies: 11
Views: 557

Re: Moving from individual stock to indices - portfolio help

This is what your portfolio looks like when converted to percentages. Taxable ~24.5% 1.5% I-Bonds 13.5% Total Stock: VTI (.05% ER) and FSTVX (.07% ER) 6.8% International: FSIVX and FSGDX (0.18% ER) 2.3% employer stock (can be sold but there would be long term unrealized gain of $5.5K) .3% cash to be...
by retiredjg
Tue Aug 19, 2014 4:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving from individual stock to indices - portfolio help?
Replies: 11
Views: 557

Re: Opening a Roth & Traditional IRA

The stock to bond ratio can't be adjusted? If this is the case then it doesn't sound like an appropriate fund to use for a retirement account. (I must be missing something here...) No. Four In One FFNOX is one fund. It has a stock to bond ratio of 85/15 if I recall correctly. It is a great choice f...
by retiredjg
Tue Aug 19, 2014 3:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Opening a Roth & Traditional IRA
Replies: 18
Views: 1291

Re: Please help with asset allocation and 401k selections...

I will look at the Vanguard's FTSE All World Except US Small Cap Fund. I was trying to keep my Roths and IRAs out of the mix by going with the Bill Schultheis' Three-fund portfolio from the lazy portfolios which includes Vanguard Total International Stock Index Fund. If I go this way, I would have ...
by retiredjg
Tue Aug 19, 2014 3:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please help with asset allocation and 401k selections...
Replies: 15
Views: 858

Re: REITS, emerging markets, small cap growth, or all three?

Perhaps I need to stick with the three fund portfolio and quit over analyzing everything. :oops: Pretty much can't go wrong with this choice. Adding some emerging markets in Roth IRA will complete the portfolio. If you simply must add in something exotic, some extra S fund (mid and small cap US sto...
by retiredjg
Tue Aug 19, 2014 11:11 am
 
Forum: Investing - Help with Personal Investments
Topic: REITS, emerging markets, small cap growth, or all three?
Replies: 8
Views: 566

Re: Please help with asset allocation and 401k selections...

As far as your 401k options, these are the best ones in my opinion. This does not mean you need to use all of them. BTC EQUITY INDEX C - 0.03% <--a 500 Index Fund BTC RUSSELL 3000 C - 0.05% <--a Total Stock Market Index Fund BTC MSCI ACWI IDX C-0.11% <--a total international fund, but without small ...
by retiredjg
Tue Aug 19, 2014 9:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Please help with asset allocation and 401k selections...
Replies: 15
Views: 858

Re: Vanguard Index vs American Funds?

But given the opportunity to avoid a load fee, and invest in a handful of actively managed funds that have consistently beat their comparative indices (including fees) over long term rolling periods (10, 20, and 30 year periods) and have managed to have more stable returns over these same periods, ...
by retiredjg
Tue Aug 19, 2014 8:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Index vs American Funds?
Replies: 33
Views: 3017

Re: 3 Fund Portfolio at Schwab?

Maybe I should consider moving this account to Fidelity? The reason I wanted to keep the Schwab relationship is that I am planning to live overseas in a few years and from what I understand Schwab seems to be most accommodating at the moment to US citizens living abroad. It is hard to make a sugges...
by retiredjg
Mon Aug 18, 2014 5:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: 3 Fund Portfolio at Schwab?
Replies: 29
Views: 2133

Re: Opening a Roth & Traditional IRA

Just out of curiosity, what if I were to build my Roth in the exact same way as my tIRA-BDA? - FSTVX - 40% (Fidelity Spartan Total Market Index Fund) - FSGDX - 20% ( Fidelity Spartan Global EX US Index Fund) - FSITX - 40% ( Fidelity Spartan US Bond Index Fund) Obviously it wouldn't be the simplest ...
by retiredjg
Mon Aug 18, 2014 5:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Opening a Roth & Traditional IRA
Replies: 18
Views: 1291

Re: Opening a Roth & Traditional IRA

So you are saying this Fidelity fund (FFNOX) is just as good or at least comparable to Vanguard's LifeStrategy & TargetRetirement funds? If it is just as good, or about the same, does it compliment my three-fund-portfolio I have listed at the beginning of this thread? Does this even matter? I t...
by retiredjg
Mon Aug 18, 2014 5:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Opening a Roth & Traditional IRA
Replies: 18
Views: 1291

Re: Portfolio Allocation for 31 y/o

Thanks for the help! We are not intentionally keeping our investments seperate. Forgive me for sounding so naive, but what exactly do you mean by joining our accounts? That was poor wording on my part. :oops: If you look at his and her accounts as one big portfolio, you can take the best stuff from...
by retiredjg
Mon Aug 18, 2014 5:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Allocation for 31 y/o
Replies: 14
Views: 1333

Re: Please help with asset allocation and 401k selections...

dickenbj, I initial thought as well that Russell 3000 Index fund would cover LC, MC, SC, but when I look at the "Equity StyleMap" on the 401k web site, it shows that it is a large blend. Should I ignore this? The Russell 3000 covers essentially the entire stock market, large cap, mid cap ...
by retiredjg
Mon Aug 18, 2014 8:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Please help with asset allocation and 401k selections...
Replies: 15
Views: 858

Re: Help with posting my questions newbie

The old 403b has at least one good option - total bond market index at .22%. Hard to say what the best stock option is. Is there a 500 Index available? I'm not sure I'd be in a hurry to dump the old 403b if you are relatively sure there are no extra administrative charges that you pay since you are ...
by retiredjg
Mon Aug 18, 2014 7:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with posting my questions newbie
Replies: 14
Views: 1121

Re: Spouse not ready to cut ties with financial advisers

Since people have brought up tax advice, I felt I should comment that I am fully capable of offering my own tax advice. It's what I do. We are sitting on a metric ton of gain. It's not a pretty picture. I'm not particularly eager to realize ANY extra gain this year (we already have some), but we ne...
by retiredjg
Mon Aug 18, 2014 7:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Spouse not ready to cut ties with financial advisers
Replies: 94
Views: 5766

Re: Vanguard Index vs American Funds?

American Funds has 7 funds that invest only in US Large Cap stocks. Why do you think this? Most American funds contain foreign stock as well (including the ones I checked from your list). So you are comparing apples to oranges. Do you know how to find out what is in these funds? I don't want to be ...
by retiredjg
Sun Aug 17, 2014 5:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Index vs American Funds?
Replies: 33
Views: 3017

Re: Spouse not ready to cut ties with financial advisers

Maikis, you and your husband both need some education. You need to be educated about market timing and he needs to be educated about how simple investing can be. I would suggest that you both do a little reading, starting with the Wiki. http://www.bogleheads.org/wiki/Getting_started Some of this is ...
by retiredjg
Sun Aug 17, 2014 4:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Spouse not ready to cut ties with financial advisers
Replies: 94
Views: 5766

Re: Spouse not ready to cut ties with financial advisers

dbr wrote:You will not win arguments or come out ahead in a discussion. Their one true expertise is in selling and you cannot compete, especially when they have already accomplished divide and conquer.

Nicely put. And so true!
by retiredjg
Sun Aug 17, 2014 11:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Spouse not ready to cut ties with financial advisers
Replies: 94
Views: 5766

Re: Selling VSS in taxable to move to IRA?

Some of this will depend on what you put into the 401k. Have you decided that yet? Here's the problem I see. You are not contributing new money to the Rollover IRA. The only way to maintain the percentages of these things... 3% Vanguard Int'l Small Cap (VSS) 10% Vanguard US Small Cap Value (VSIAX) 5...
by retiredjg
Sun Aug 17, 2014 10:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Selling VSS in taxable to move to IRA?
Replies: 5
Views: 469

Re: Spouse not ready to cut ties with financial advisers

Miakis, unless I missed something, it looks like you are 100% stock, and on top of that, all the funds but two carry higher risk than the total market fund, and you also have individual tech stocks. In other words, your portfolio is very aggressive and high risk. :shock: :shock: :shock: Not really ...
by retiredjg
Sun Aug 17, 2014 9:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Spouse not ready to cut ties with financial advisers
Replies: 94
Views: 5766

Re: 3 Fund Portfolio at Schwab?

You were correct. These are not index funds. The fund uses the index as a guide in structuring the fund’s portfolio and selecting its investments. However, the fund is not required to invest any percentage of its assets in the securities represented in the index That is very different than than eit...
by retiredjg
Sun Aug 17, 2014 7:58 am
 
Forum: Investing - Help with Personal Investments
Topic: 3 Fund Portfolio at Schwab?
Replies: 29
Views: 2133

Re: Looking for financial planning pointers for buying a hou

It does not take a long time to build up good credit. Five years is longer than you need. I agree with starting with CreditKarma. That website is very informative and I believe it is accurate as well. You can learn there how to build credit and I actually suspect you have more of a credit history th...
by retiredjg
Sat Aug 16, 2014 3:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Looking for financial planning pointers for buying a house
Replies: 7
Views: 705

Re: Should I Invest in both T-IRA & R-IRA?

Start by reading your own tax return, line by line, to get the picture. The form and instructions are designed for a step-by-step zombie walk rather than to reveal to you how you're being taxed, so it takes a little studying to figure our how each line is really affecting you. This is so true espec...
by retiredjg
Sat Aug 16, 2014 2:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I Invest in both T-IRA & R-IRA?
Replies: 34
Views: 1223

Re: Looking for financial planning pointers for buying a hou

I don't think it matters a great deal what you do. In pure theory, if you want the money at a certain time, it should all be in cash. Cash would be savings account, CDs, money market - things that cannot lose value. This is the safest thing because you know the money will be available at a certain t...
by retiredjg
Sat Aug 16, 2014 2:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Looking for financial planning pointers for buying a house
Replies: 7
Views: 705

Re: Portfolio Allocation for 31 y/o

P.S. Have you had a chance to read about the back door contribution to Roth IRA? You and your wife are both very good candidates for doing this and you absolutely should do it unless you have some kind of problem with the concept.
by retiredjg
Sat Aug 16, 2014 1:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Allocation for 31 y/o
Replies: 14
Views: 1333

Re: Portfolio Allocation for 31 y/o

Let's see if we can pull this together. Are you and your wife intentionally keeping your investments separate? Or has it just not occurred to you yet to join them? Since you both have very good choices, you could run separate portfolios if you want. What asset allocation does she want? Current Retir...
by retiredjg
Sat Aug 16, 2014 1:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Allocation for 31 y/o
Replies: 14
Views: 1333

Re: Advice proceeding with 100% taxable portfolio.

Anyhow, would it definitely be the wiser choice to try to implement the 3 fund portfolio across these 3 accounts, or just choose 1 fund for each that matches my desired asset allocation and be done with it? Both options have pros and cons. The cost will be a little higher if you use the all-in-one ...
by retiredjg
Sat Aug 16, 2014 1:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice proceeding with 100% taxable portfolio.
Replies: 31
Views: 2458

Re: Help with posting my questions newbie

Wife 403B options: I am with the cheapest option, no advisor and they tack on .6 % to index funds.. The other 403b investment companies charge 1-2.5% .(Omni, AXA, Hooker and Holcombe, Ameriprize, Great American, Horace Mann, ING, Met Life) I know you believe you picked the cheapest option. But if y...
by retiredjg
Sat Aug 16, 2014 12:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with posting my questions newbie
Replies: 14
Views: 1121

Re: Roth questions from an MD

I think I'm leaning towards staying as I am with my investment strategy. I hope this doesn't mean you aren't going to use the back door contribution to Roth IRA, at least for your spouse. I am going to do the backdoor Roth for my spouse. (It doesn't trigger a tax event for my SEP-IRA, correct?) Cor...
by retiredjg
Sat Aug 16, 2014 12:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roth questions from an MD
Replies: 28
Views: 2127

Re: 3 Fund Portfolio at Schwab?

Well, I'm baffled. And it appears I was incorrect in stating that this fund is not an index fund. The Schwab site says that both SWLBX (Total Bond) and SWBDX (Short Term bond) are index funds. They also list an inflation protected fund as an index fund. I am so sorry for the confusion I've introduce...
by retiredjg
Sat Aug 16, 2014 11:58 am
 
Forum: Investing - Help with Personal Investments
Topic: 3 Fund Portfolio at Schwab?
Replies: 29
Views: 2133

Re: Are these [401k] options terrible?

kenschmidt wrote:I would ask them who pays the AMC / Net Asset Fee and if you pay that fee, what services does it cover.

Agreed. It seems the everyone has just assumed you have to pay that, but that has yet to be stated. If you looked it up, I don't think you have told us what you found out.
by retiredjg
Sat Aug 16, 2014 8:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Are these [401k] options terrible?
Replies: 25
Views: 1737

Re: 3 Fund Portfolio at Schwab?

Not sure what you read in the Wiki. If it is an error, please point that out so it can be corrected. Or you might have mis-interpreted what you read. Something called "total bond" is not necessarily an index fund. If it is an index fund, it will have the word "index" in the name...
by retiredjg
Sat Aug 16, 2014 8:28 am
 
Forum: Investing - Help with Personal Investments
Topic: 3 Fund Portfolio at Schwab?
Replies: 29
Views: 2133

Re: Roth questions from an MD

iceman99 wrote:I think I'm leaning towards staying as I am with my investment strategy.

I hope this doesn't mean you aren't going to use the back door contribution to Roth IRA, at least for your spouse.
by retiredjg
Sat Aug 16, 2014 8:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Roth questions from an MD
Replies: 28
Views: 2127

Re: Are these [401k] options terrible?

If you want to keep this job or be happy at your job, you need to tread very lightly. There is nothing more obnoxious than a youngster coming in and criticizing how things are done. Yes, it is possible that things are stinky. It is more likely that the boss was simply ignorant when the plan was chos...
by retiredjg
Sat Aug 16, 2014 8:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Are these [401k] options terrible?
Replies: 25
Views: 1737

Re: Can't decide to keep 401k with previous employer or move

Doc7 wrote:It is a cash balance pension plan with a fixed yield at my previous employers 401k. That percentage is taken right from the current year summary plan description.

6% is only 2% after inflation remember.

You are one lucky person to be getting 6%.
by retiredjg
Sat Aug 16, 2014 7:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Can't decide to keep 401k with previous employer or move
Replies: 48
Views: 4417

Re: Should I Invest in both T-IRA & R-IRA?

This poster mentions "we" and "our" so I think this is probably a couple. I mention that because a single person with even a modest pension can easily end up in the 25% bracket at retirement ($36,900). That same pension is not going to do the same thing to a couple - their 25% br...
by retiredjg
Sat Aug 16, 2014 7:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I Invest in both T-IRA & R-IRA?
Replies: 34
Views: 1223

Re: Should I Invest in both T-IRA & R-IRA?

Are you career military? If so, do you have any idea of what your pension will be if you retire at the normal time? You can also get an idea of what your SS will be if you take it at different ages. You can't always know exactly what your bracket will be, but you can make an educated guess based on ...
by retiredjg
Fri Aug 15, 2014 7:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I Invest in both T-IRA & R-IRA?
Replies: 34
Views: 1223

Re: Please help with asset allocation and 401k selections...

I don't know about others, but your spread sheet is not legible on my laptop. You seem to have a lot of funds and it appears (not sure) that you have not considered costs. You might get some helpful responses, but I think you'll get more useful help if you post in our ordinary format. See the link a...
by retiredjg
Fri Aug 15, 2014 7:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please help with asset allocation and 401k selections...
Replies: 15
Views: 858

Re: 3 Fund Portfolio at Schwab?

I don't know if this matters to you or not. The Schwab fund SWLBX is not a total bond market INDEX fund. Instead, it is an actively managed fund that seeks to perform like the TBM Index. Unfortunately, it has not done a very good job of it. A good example of active management failing to perform...
by retiredjg
Fri Aug 15, 2014 7:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: 3 Fund Portfolio at Schwab?
Replies: 29
Views: 2133

Re: Focus more on Tax-Exempt in Taxable Account?

No your right, I guess I did say that but I only got the idea after you asked if they were available in my tax deferred account. Huh? I asked if they were available after you made your comment... However, I am still wondering why your 401a would even offer a tax-exempt bond fund and apparently ther...
by retiredjg
Fri Aug 15, 2014 6:30 pm
 
Forum: Investing - Theory, News & General
Topic: Focus more on Tax-Exempt in Taxable Account?
Replies: 16
Views: 1386

Re: Focus more on Tax-Exempt in Taxable Account?

You definitely mustn't invest in municipal bonds in your tax deferred aaccount, which defeats their purpose. It's such a bad ideatthat usually they're not offered at all. ..................... Agreed. And that was never my intent. Ah good. It just seemed that the discussion had drifted in that dire...
by retiredjg
Fri Aug 15, 2014 1:48 pm
 
Forum: Investing - Theory, News & General
Topic: Focus more on Tax-Exempt in Taxable Account?
Replies: 16
Views: 1386

Re: Roth questions from an MD

That's encouraging. However, EmergDoc is one smart guy, so I don't think he pulled his thoughts out of nowhere.

I think there is probably more to it than what I've thought of, but for now I'm still going to vote on the side of using traditional 401k over Roth 401k.
by retiredjg
Fri Aug 15, 2014 11:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Roth questions from an MD
Replies: 28
Views: 2127

Re: Roth questions from an MD

I had a chance this morning to read EmergDoc's link regarding very high income earners. His point, as I understand it, is that someone earning close to $1 million a year (give or take) for a lot of years is probably going to be in the 39.6% tax bracket in retirement anyway. If that is the case, he b...
by retiredjg
Fri Aug 15, 2014 10:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Roth questions from an MD
Replies: 28
Views: 2127

Re: Focus more on Tax-Exempt in Taxable Account?

While the "Total" market is extremely tax efficient, and why I choose it in the first place, it is still not Tax-Free! So the question becomes, why not take full advantage of "tax-exempt" munis in the taxable account,(ignoring the increased risk of munis over treasuries ) freein...
by retiredjg
Fri Aug 15, 2014 7:27 am
 
Forum: Investing - Theory, News & General
Topic: Focus more on Tax-Exempt in Taxable Account?
Replies: 16
Views: 1386

Re: Focus more on Tax-Exempt in Taxable Account?

Do you have a tax-exempt bond fund available in your 401k? Seems unlikely.

And even if you did, whatever comes out of a tax-deferred account is taxed...so the tax-exempt bond in that account would not mean you don't pay tax on the earnings.
by retiredjg
Thu Aug 14, 2014 8:55 pm
 
Forum: Investing - Theory, News & General
Topic: Focus more on Tax-Exempt in Taxable Account?
Replies: 16
Views: 1386

Re: Focus more on Tax-Exempt in Taxable Account?

It's not really possible to answer your question without seeing the bigger picture. But plain old stock index funds like Total Stock and Total International are generally recommended for a taxable account. There are times when certain tax-managed funds are appropriate. There are also times when a ta...
by retiredjg
Thu Aug 14, 2014 7:03 pm
 
Forum: Investing - Theory, News & General
Topic: Focus more on Tax-Exempt in Taxable Account?
Replies: 16
Views: 1386

Re: Vanguard as brokerage or direct?

This will get you started, but somebody else will have to add to it for a complete answer. Vanguard used to be split into two things. In the "mutual fund" side of the house, you could buy Vanguard mutual funds, but nothing else. In the "Vanguard Brokerage Service" side of the hou...
by retiredjg
Thu Aug 14, 2014 6:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard as brokerage or direct?
Replies: 6
Views: 682

Re: How to "fix" bad investments early in the game?

Can't help with the whole life. As for your Roth IRA, don't put any more money into it. When you reach the time when you can get out of the annuity with less or no penalty, do that. Then transfer the money to a Roth IRA at a better place (like Vanguard). Do contribute to your 401k and an IRA (tradit...
by retiredjg
Thu Aug 14, 2014 6:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to "fix" bad investments? (Whole Life & Annuity Roth)
Replies: 5
Views: 489
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