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Re: Asset Location 3 fund port

25% equity in international? Or should it be 25% of the whole portfolio? Agree with Taylor that it should be a percentage of equity. This is so that the international allocation gets bigger or smaller as the stock allocation gets bigger or smaller. If 75% of the portfolio is equity and 25% (or 1/4t...
by retiredjg
Thu Aug 28, 2014 10:30 am
 
Forum: Investing - Theory, News & General
Topic: Asset Location 3 fund port
Replies: 14
Views: 443

Re: Asset Location 3 fund port

Sorry about the headache.

You said you want "75/25 domestic/int'l". What did you mean by this?
by retiredjg
Thu Aug 28, 2014 9:45 am
 
Forum: Investing - Theory, News & General
Topic: Asset Location 3 fund port
Replies: 14
Views: 443

Re: Asset Location 3 fund port

You've messed up the US and international part. Try this. You can't work with both dollars and percentages at the same time, so work only with percentages because it is easier. When you get finished, you can use the final numbers to figure out how many dollars it is. You want 75% stocks, 25% bonds w...
by retiredjg
Thu Aug 28, 2014 9:33 am
 
Forum: Investing - Theory, News & General
Topic: Asset Location 3 fund port
Replies: 14
Views: 443

Re: What next after exhausting tax advantaged retirement?

Do you currently have any 401k/403b accounts that are receiving money? Are you still contributing to IRAs? Or are you now just saving for retirement in a taxable account? This is not what you asked, but do you know about the back door contribution to Roth IRA? In your situation, Roth IRA would be pr...
by retiredjg
Thu Aug 28, 2014 9:11 am
 
Forum: Investing - Help with Personal Investments
Topic: What next after exhausting tax advantaged retirement?
Replies: 3
Views: 303

Re: I have 1M in Vanguard. Start Diversifying to Real Estate

Real estate is a pain in the rear. I would not do it "to diversify". I would only do it if you have a real interest in doing it.

Seems like a poor fit for someone who wants to be free to travel and stay wherever you want.
by retiredjg
Thu Aug 28, 2014 8:49 am
 
Forum: Investing - Help with Personal Investments
Topic: I have 1M in Vanguard. Start Diversifying to Real Estate?
Replies: 8
Views: 832

Re: Asset Location 3 fund port

high tax bracket. So like this? Tax Advantaged Vanguard Total Stock Market Index Fund = 50% Vanguard Total International Stock Index Fund = 25% Vanguard Total Bond Market Fund = 25% Taxable: Vanguard Total Stock Market Index Fund = 50% Vanguard Total International Stock Index Fund = 25% Vanguard In...
by retiredjg
Thu Aug 28, 2014 8:42 am
 
Forum: Investing - Theory, News & General
Topic: Asset Location 3 fund port
Replies: 14
Views: 443

Re: Questions: Target 2035/Three fund portfolio

I think your idea is fine, but I think the target date fund you have chosen is too aggressive. You don't have to be at age in bonds, but it might be better to be at least within age minus 10 or 20 in bonds. You could use a different fund - a fund that has something closer to the stock to bond ratio ...
by retiredjg
Thu Aug 28, 2014 8:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Questions: Target 2035/Three fund portfolio
Replies: 7
Views: 423

Re: How to safely sell a big ticket item online

Don't even think of using PayPal, you basically sign away your rights when you use then. Think I've got it figured out. If the buyer has a bank/credit union in a distant location (like I do), I make the phone call to that institution using a phone number I find on the internet. The buyer will give ...
by retiredjg
Thu Aug 28, 2014 7:42 am
 
Forum: Personal Consumer Issues
Topic: How to safely sell a big ticket item online
Replies: 36
Views: 1431

Re: What to do with 401K and 457 from old employer

Are you saying since those 4 core funds have such low expense ratios, it makes sense to roll 401K money into those 4 funds as well with current emp'r unless I need that money available in VG to get enough international? That's how it looks to me. But I don't know the relative sizes of all your acco...
by retiredjg
Wed Aug 27, 2014 5:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with 401K and 457 from old employer
Replies: 23
Views: 1173

Re: What to do with 401K and 457 from old employer

BlackRock Russell 2000 Index CollF - ER=.03% BlackRock Midcap Equity Index CollF - ER=.04% Vanguard 500 Index Signal - ER= .05% Vanguard Total Bond Index - ER=.20% Do you have an opinion about the BlackRock funds relative to the small and mid-cap Vanguard Index funds? With expense ratios like those...
by retiredjg
Wed Aug 27, 2014 4:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with 401K and 457 from old employer
Replies: 23
Views: 1173

Re: How to safely sell a big ticket item online

Think I've got it figured out. If the buyer has a bank/credit union in a distant location (like I do), I make the phone call to that institution using a phone number I find on the internet. The buyer will give his/her wiring instructions and I will give the bank my account information. When the mone...
by retiredjg
Wed Aug 27, 2014 4:05 pm
 
Forum: Personal Consumer Issues
Topic: How to safely sell a big ticket item online
Replies: 36
Views: 1431

Re: How to safely sell a big ticket item online

Most banks allow for person-to-person payments these days. I've researched this on the internet and learned something new! However, I've just had a chat with my credit union and they do not participate. It does bring up the consideration of opening an account with a local big bank just to handle th...
by retiredjg
Wed Aug 27, 2014 3:52 pm
 
Forum: Personal Consumer Issues
Topic: How to safely sell a big ticket item online
Replies: 36
Views: 1431

Re: How to safely sell a big ticket item online

Really? Most banks allow for person-to-person payments these days. I don't know what this is. Can you explain how this would work if we don't both have the same bank? You could also get a Square account and take a credit card. I don't know what this is either, but I guess I'll google it. Why would ...
by retiredjg
Wed Aug 27, 2014 3:17 pm
 
Forum: Personal Consumer Issues
Topic: How to safely sell a big ticket item online
Replies: 36
Views: 1431

Re: How to safely sell a big ticket item online

I'm thinking if I go with the buyer to a bank and see the cashier produce a cashiers/certified check (not sure of the difference yet) that I'll feel fine. I'm not terribly worried about a crook having a bank cashier as a co-conspirator, although I'm sure it could/has happen(ed). Now I need a plan fo...
by retiredjg
Wed Aug 27, 2014 3:03 pm
 
Forum: Personal Consumer Issues
Topic: How to safely sell a big ticket item online
Replies: 36
Views: 1431

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

So if someone who was 30 years old said I'd prefer an 80/20 allocation and I want something I can just hold long-term, would anyone really advise them to buy the TR 2035 fund instead of the TR 2050 fund? Yes, but remind them to check every few years to see if the fund was migrating too quickly or t...
by retiredjg
Wed Aug 27, 2014 2:40 pm
 
Forum: Investing - Theory, News & General
Topic: Bad(?) advice given about Target Date Retirement funds
Replies: 104
Views: 6105

Re: What to do with 401K and 457 from old employer

Thank you for the quick and helpful reply. No fees with current employer, as of now, but of course that is subject to change with employer and unlikely to change with VG. But what about the expense ratios? I'm not sure I'd roll money into a really lousy plan if I could put it in Vanguard instead. I...
by retiredjg
Wed Aug 27, 2014 2:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with 401K and 457 from old employer
Replies: 23
Views: 1173

Re: How to safely sell a big ticket item online

For the dollar amount involved, offer to meet them at their bank and make them send you a wire if you want. For $25 or so, the money will clear immediately. You could offer to pay for it for the peace of mind. I'd want cash up to a few thousand dollars. I'd take an official bank check for more than...
by retiredjg
Wed Aug 27, 2014 2:09 pm
 
Forum: Personal Consumer Issues
Topic: How to safely sell a big ticket item online
Replies: 36
Views: 1431

Re: What to do with 401K and 457 from old employer

I see an upside (early withdrawal) to keeping the 457 money in 457 status. You can only do this by rolling the old one into the new one. I don't see a downside to this idea, but I didn't see (quick perusal only) any comment from you about the costs of the funds in the new plan. Only your desire to u...
by retiredjg
Wed Aug 27, 2014 1:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with 401K and 457 from old employer
Replies: 23
Views: 1173

Re: How to safely sell a big ticket item online

I've been reading the seller's protection information on the PayPal site. Apparently the seller is not protected if the item is picked up in person. Kinda hard to sell a 5th wheel trailer other than in person. I have one person interested and so far I'm thinking it might be a scam. This person wants...
by retiredjg
Wed Aug 27, 2014 12:53 pm
 
Forum: Personal Consumer Issues
Topic: How to safely sell a big ticket item online
Replies: 36
Views: 1431

How to safely sell a big ticket item online

I've got my 5th wheel trailer for sale on Craigslist. I guess I had planned to ask for a cashier's check, but I now understand there are some pretty good fake ones. I don't have a PayPal account or understand how they work. I really have no idea how to make this transaction safely. Guess I should ha...
by retiredjg
Wed Aug 27, 2014 11:31 am
 
Forum: Personal Consumer Issues
Topic: How to safely sell a big ticket item online
Replies: 36
Views: 1431

Re: The Mega Backdoor Roth IRA

Your quote specifically mentioned traditional IRA In addition to the points you made there's really no way for the plan to know which sort of IRA you intend to deposit it into. Agree. I was curious why your quote specifically mentioned "traditional" so I went looking for clarification and...
by retiredjg
Wed Aug 27, 2014 10:32 am
 
Forum: Investing - Help with Personal Investments
Topic: The Mega Backdoor Roth IRA
Replies: 120
Views: 16617

Re: AA of 60/40 for your Lifetime?

Don't know about any data, but it is my understanding that 60/40 used to be considered the sweet spot for most investors. I believe this was before it became common to start at a higher stock to bond ratio and migrate down over time. It certainly makes sense to me, at least behaviorally. A younger p...
by retiredjg
Wed Aug 27, 2014 10:25 am
 
Forum: Investing - Help with Personal Investments
Topic: AA of 60/40 for your Lifetime?
Replies: 27
Views: 2005

Re: Pay taxes or high fees: should I sell underperforming Am

If you donate cash to a charity, you could instead donate appreciated stock funds. The charity gets the money and you get a tax break instead of a taxable event. Check out "donor advised funds". I think there may be something in the Wiki about it.
by retiredjg
Wed Aug 27, 2014 9:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Pay taxes or high fees: should I sell underperforming AmCent
Replies: 7
Views: 350

Re: Pay taxes or high fees: should I sell underperforming Am

There are 2 ways that I know of to avoid capital gains taxes. -if you are in a very low tax bracket, long term cap gains are taxed at 0% -you die and your heirs get a step up in basis at which point, they can sell without capital gains taxes It seems to me that if you are going to pay tax anyway, so...
by retiredjg
Wed Aug 27, 2014 9:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Pay taxes or high fees: should I sell underperforming AmCent
Replies: 7
Views: 350

Re: vacation destinations similar to Savannah or Charleston

For people who like Savannah and Charleston, St. Simons Island or Jekyl Island seem like a good choice. Smaller and less urban, more quaint, good food, good people.
by retiredjg
Wed Aug 27, 2014 9:08 am
 
Forum: Personal Consumer Issues
Topic: vacation destinations similar to Savannah or Charleston SC
Replies: 24
Views: 1457

Re: The Mega Backdoor Roth IRA

Thanks! I didn't know they had to do that. Your quote specifically mentioned traditional IRA, so I checked Pub 590 and found this (formatting is added) Rollover From Employer's Plan Into a Roth IRA You can roll over into a Roth IRA all or part of an eligible rollover distribution you receive from yo...
by retiredjg
Wed Aug 27, 2014 7:54 am
 
Forum: Investing - Help with Personal Investments
Topic: The Mega Backdoor Roth IRA
Replies: 120
Views: 16617

Re: Portfolio advice requested!!

It's kind of hard to figure out what you have. If you don't get an answer to your question, you might want to re-post in the format we usually use to help with portfolio questions. See the link at the bottom of this message for how to do that. In general -Before saving RETIREMENT money in a taxable ...
by retiredjg
Tue Aug 26, 2014 4:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice requested!!
Replies: 4
Views: 257

Re: Amazon -- set shipping to free as the default?

I got caught by this same "gotcha" this last week. Did the one click checkout which defaults to faster shipping. You have to remember (and there is no prompt that I noticed) to go in to change the shipping to free shipping which results in a slight delay of a day or two. I've "learned...
by retiredjg
Tue Aug 26, 2014 4:41 pm
 
Forum: Personal Consumer Issues
Topic: Amazon -- set shipping to free as the default?
Replies: 7
Views: 1009

Re: Schwab - now endorsing Index Funds

They have already created some of the best broad market-tracking index funds, haven't they? I'm not so sure they have. There was a recent discussion that revolved (somewhat) around this. The original poster wanted to build a 3 fund portfolio at Schwab. Apparently the total stock market fund is an i...
by retiredjg
Tue Aug 26, 2014 4:32 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab - now endorsing Index Funds
Replies: 24
Views: 1939

Re: The Mega Backdoor Roth IRA

placeholder wrote:That's correct a direct rollover has no withholding and they have to offer direct which might be in the form of a check made out to the receiving institution and sent to you (that's how my plan does it).

They have to offer a direct rollover?
by retiredjg
Tue Aug 26, 2014 2:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: The Mega Backdoor Roth IRA
Replies: 120
Views: 16617

Re: The Mega Backdoor Roth IRA

Why is that weird? Isn't that just exactly what I said above? Direct rollover - no withholding (check made out to Vanguard FBO Mr. Snoopdoug - they mail it to you and you mail it to Vanguard with instructions to put into Roth IRA) Indirect rollover - 20% withholding (check made out to Mr. Snoopdoug,...
by retiredjg
Tue Aug 26, 2014 2:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: The Mega Backdoor Roth IRA
Replies: 120
Views: 16617

Re: Newbie - Please critique my portfolio - suggestions welc

Thank you for the new insight on the tax brackets! I am going to research the tax implications of starting to build some more liquid cash assets (that would help force me to save an emergency fund) such as staggered CD's and a moneymarket fund. I have set up an auto-draft of $100 each paycheck to g...
by retiredjg
Tue Aug 26, 2014 1:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie - Please critique my portfolio - suggestions welcome
Replies: 14
Views: 1269

Re: The Mega Backdoor Roth IRA

Side question: Say I have $2000 in after tax dollars in my 401k. Of that, $500 is earnings. If I mega backdoor that $2000, I'll owe taxes on $500. The 401k administrator will withhold some of the $500. However, they won't know my exact tax rate, and so at the end of the year I may owe more on that ...
by retiredjg
Tue Aug 26, 2014 1:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: The Mega Backdoor Roth IRA
Replies: 120
Views: 16617

Re: Newbie - Please critique my portfolio - suggestions welc

Southern36yearold, it appears I left off the link that you need to figure your tax bracket. The 18% number you got is not what you are looking for and I have no idea what it means. Compare the taxable income from your tax return to this chart. http://www.moneychimp.com/features/tax_brackets.htm . Th...
by retiredjg
Tue Aug 26, 2014 8:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Newbie - Please critique my portfolio - suggestions welcome
Replies: 14
Views: 1269

Re: taxable accounts

In general, Total Stock Index and Total International Stock Index are the funds most recommended for a taxable account. Both the mutual fund and the ETF share classes are pretty tax efficient. If the money is for something like a house, though, stock index funds are probably not an appropriate inves...
by retiredjg
Sun Aug 24, 2014 8:33 am
 
Forum: Investing - Help with Personal Investments
Topic: taxable accounts
Replies: 4
Views: 712

Re: Old Employer 401K to Vanguard Traditional IRA

Does your wife have a new 403k/403b? Could the money be rolled there? If your income is high enough that you can no longer contribute directly to Roth IRA, I would think a $5,800 orphan 401k with high expenses might be a nuisance. However, it does allow her to use the back door to contribute to Roth...
by retiredjg
Sun Aug 24, 2014 8:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Old Employer 401K to Vanguard Traditional IRA
Replies: 11
Views: 951

Re: Best iPhone deal for light user

If you are in an area where ATT has good coverage, I'd suggest Consumer Cellular. No contract. Cheap service. Can change month to month. Great customer service. I used Consumer Cellular for about 7 years and was very happy. Unfortunately, I bought a home in an ATT dead zone and had to switch to Veri...
by retiredjg
Sun Aug 24, 2014 7:52 am
 
Forum: Personal Consumer Issues
Topic: Best iPhone deal for light user
Replies: 30
Views: 2326

Re: Big iPhone Data Bills/Google Maps

Facebook is evil. :twisted:
by retiredjg
Fri Aug 22, 2014 5:37 pm
 
Forum: Personal Consumer Issues
Topic: Big iPhone Data Bills/Google Maps
Replies: 16
Views: 1357

Re: Changing user name

Some people have done it. Just ask a moderator.
by retiredjg
Fri Aug 22, 2014 4:45 pm
 
Forum: Forum Issues and Administration
Topic: Changing user name
Replies: 2
Views: 288

Re: How to split vacation rental cost

I'll take the other side of the argument. This is not a hotel. People will be using the whole house, not just the bedrooms. I'd leave the infants out entirely and charge by person-day. There apparently are 26 person-days so divide the total bill by 26. I guess this is the same as your per person cal...
by retiredjg
Fri Aug 22, 2014 4:30 pm
 
Forum: Personal Consumer Issues
Topic: How to split vacation rental cost
Replies: 13
Views: 1144

Re: Roth 401k option - Should I utilize?

By the way, are you sure you'll be able to contribute to Roth IRA in 8 years? Seems to me your income will likely be too high and you'll need the back door then as well.
by retiredjg
Fri Aug 22, 2014 4:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth 401k option - Should I utilize?
Replies: 7
Views: 437

Re: Roth 401k option - Should I utilize?

In the 28% bracket, I would also suggest traditional 401k paired with (back door) Roth IRA. It can be difficult to get involved in something new, but back door Roth contribution seems pretty simple if you have no other IRA, SEP IRA, or SIMPLE IRA. The only thing you have to be cautious about is repo...
by retiredjg
Fri Aug 22, 2014 4:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth 401k option - Should I utilize?
Replies: 7
Views: 437

Re: Is it worth tilting to International Small Cap?

There is no "general". There are people who hold Total Stock Market plus an extra 5% of small cap value and do the same with International. There are people who hold half 500 Index and half small cap value and do something similar for international. And there are people everywhere in-betwe...
by retiredjg
Fri Aug 22, 2014 3:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is it worth tilting to International Small Cap?
Replies: 18
Views: 1835

Re: 401K help

Or try to get their Four-in-One fund (FFNOX). That might help "sell" the idea, since it's a very diversified all-in-one fund. (Domestic and international stocks and bond market.) It's not dirt-cheap, but 0.24% is a lot better than what's there now. Notice the "FA" on everything?...
by retiredjg
Fri Aug 22, 2014 2:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K help
Replies: 8
Views: 479

Re: I failed SS login

It is more than 24 hours so I tried again. Different questions so I had no trouble this time. After logging in I saw a tab that said security settings so clicked on it. That is where it tells you that your password will expire in I believe 179 days. In my case Feb 17, 2015. Thanks Glad to hear it w...
by retiredjg
Fri Aug 22, 2014 1:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: I failed SS login
Replies: 18
Views: 1760

Re: 401K help

Yes. It really sucks. :annoyed Yes, invest enough to get the match, fill an IRA of some kind and go back and fill the 401k. Only then should you consider putting your retirement money into taxable. If you had $100k already invested there and the ER in this bad plan were 1% higher than you could get ...
by retiredjg
Fri Aug 22, 2014 12:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K help
Replies: 8
Views: 479

Re: The Mega Backdoor Roth IRA

I'm not sure it matters.

But there is no point doing a rollover if your money is at a loss or if there is so little gain that it is just not worth it to get the gain out of the way. So I guess it depends.
by retiredjg
Fri Aug 22, 2014 11:20 am
 
Forum: Investing - Help with Personal Investments
Topic: The Mega Backdoor Roth IRA
Replies: 120
Views: 16617

Re: The Mega Backdoor Roth IRA

I don't see any problem or reason not to do this. Remember that your employer match, if you have one, is part of that $52k. There is something else that can be part of it, but I'm not sure what it is. I think it is some kind of adjustment to fix errors or something. Your HR people should know. If yo...
by retiredjg
Fri Aug 22, 2014 10:11 am
 
Forum: Investing - Help with Personal Investments
Topic: The Mega Backdoor Roth IRA
Replies: 120
Views: 16617

Re: Please check my backdoor Roth understanding

1) Correct. 2) She should not do this because the you will have to keep up with the paperwork forever and that SIMPLE will ALWAYS be in the way each time. There is no purpose in a conversion when almost all of it is taxed. There is no "paying taxes again". She would not get taxed twice. So...
by retiredjg
Fri Aug 22, 2014 10:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Please check my backdoor Roth understanding
Replies: 3
Views: 725
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