Search found 1965 matches

Return to advanced search

Re: Is VIGIX diversified enough?

VIGIX is Vanguard Growth Index.
by rkhusky
Mon Jan 26, 2015 7:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Is VIGIX diversified enough?
Replies: 3
Views: 510

Re: Do Bogleheads' Children Qualify For Need Based College A

I think most Bogleheads qualify for either loans or nothing at all. That does not mean I am advocating 529s over taxable investments. Just trying to see if very many Bogleheads have qualified for need based aid. In terms of receiving need-based financial aid, are taxable investments and 529's count...
by rkhusky
Mon Jan 26, 2015 7:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Do Bogleheads' Children Qualify For Need Based College Aid?
Replies: 21
Views: 1587

Re: 2015 Roth IRA question

You or a spouse have to have income.
by rkhusky
Sat Jan 24, 2015 11:38 am
 
Forum: Investing - Help with Personal Investments
Topic: 2015 Roth IRA question
Replies: 5
Views: 418

Re: Can I exchange VG taxable account funds to IRA

My question is can do an exchange funds on the VG website for this process, and if so are there any negatives to doing this? You can sell shares in your taxable account and buy shares in your IRA in one transaction on the Vanguard web site. You can do a one fund to one fund, a many to one, a one to...
by rkhusky
Sat Jan 24, 2015 8:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Can I exchange VG taxable account funds to IRA
Replies: 10
Views: 697

Re: I'm thinking about making very large 529 contributions A

we fund 2k per year per kid as that is the max tax benefit ($100 per year per kid) and we started 3 years ago for 6 and 4 year old. It wont be a decent amount by the time they reach college but after 401k, ira and hsa, that is all we can contribute. Also our plan is not the greatest in terms of ER....
by rkhusky
Fri Jan 23, 2015 12:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: I'm thinking about making very large 529 contributions ASAP
Replies: 63
Views: 4290

Re: Fairmark: Free Tax Filing

Note that Free File Fillable Forms is not the same as the free fillable pdf forms that you can download from the IRS web site, type in your info, print out, and mail in.
by rkhusky
Fri Jan 23, 2015 12:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fairmark: Free Tax Filing
Replies: 5
Views: 562

Re: Why all the fuss about wash sales?

If the wash sale involves transactions within a tax advantaged account, there is the potential to lose your loss.
by rkhusky
Fri Jan 23, 2015 10:01 am
 
Forum: Investing - Theory, News & General
Topic: Why all the fuss about wash sales?
Replies: 4
Views: 653

Re: Tsp C fund S fund and brokerage account

For that reason, you might want to allocate all of your total stock market funds (plus the small-cap tilt) in your non-TSP accounts and use your TSP space for F, G, and I (bonds and international). This is essentially what I do, using VBR for my small cap tilt. The I Fund does not contain Emerging ...
by rkhusky
Fri Jan 23, 2015 8:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Tsp C fund S fund and brokerage account
Replies: 10
Views: 667

Re: HSA... any receipt savers?

After 65 and for non-medical expenses, the HSA would act like a non-deductible Traditional IRA, which in many circumstances is worse than a taxable account (converting cap gains into income?). but didn't the HSA get a tax deduction going in so it might still be better than taxable? You're right. So...
by rkhusky
Thu Jan 22, 2015 1:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA... any receipt savers?
Replies: 147
Views: 5728

Re: Diversity b/t t-IRA and roth-IRA

Even though I don't market time like some people apparently do, I do keep bonds in both Traditional and Roth accounts to aid in rebalancing. I keep more bonds in Traditional and keep more of the riskier holdings (which are expected to have higher returns) in Roth, since I will have to pay taxes on t...
by rkhusky
Thu Jan 22, 2015 1:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Diversity b/t t-IRA and roth-IRA
Replies: 8
Views: 530

Re: Vanguard TISM estimates low QDI?

This page says 71.53%: https://personal.vanguard.com/us/insights/taxcenter/qdi/yearend-qualified-dividend-income-2014 Follow up question. The reason I put the all my taxable in VTIAX is because I was told that the fund is tax-efficient. Would a QDI of 71 percent be considered as tax efficient? QDI ...
by rkhusky
Thu Jan 22, 2015 9:24 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard TISM estimates low QDI?
Replies: 16
Views: 1943

Re: HSA... any receipt savers?

Assume a hypothetical and this hypothetical is very representative of my current situation. I max out my HSA and will never need it. I have inferred that I do not need to ever save tax receipts; I could either 1) use the money for some unforeseen expenses medical when elderly and be able to withdra...
by rkhusky
Thu Jan 22, 2015 9:19 am
 
Forum: Investing - Help with Personal Investments
Topic: HSA... any receipt savers?
Replies: 147
Views: 5728

Re: HSA... any receipt savers?

packet wrote: (not to mention, innocent until proven guilty).

I don't think that necessarily holds when dealing with the IRS.
by rkhusky
Thu Jan 22, 2015 8:30 am
 
Forum: Investing - Help with Personal Investments
Topic: HSA... any receipt savers?
Replies: 147
Views: 5728

Re: Should I open a Roth IRA ?

Whether you contribute to a Roth IRA or put more in the 401K depends on the quality of the choices in your 401K. Ideally, you max out both the 401K and the Roth IRA. . I'm thinking of doing it, even though it doesn't seem much, if only so I have one if my income ever goes beyond the limit, and maybe...
by rkhusky
Thu Jan 22, 2015 8:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I open a Roth IRA ?
Replies: 25
Views: 1811

Re: Traditional or Roth 401K

Do you expect a pension when you retire? (If not, that favors Traditional) Do you expect your wages will significantly increase in the future? (If so, that favors Roth) Will there be a time gap between when you retire and when you collect a pension or Social Security? (If so, that favors Traditional...
by rkhusky
Thu Jan 22, 2015 8:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Traditional or Roth 401K
Replies: 5
Views: 575

Re: Traditional IRA vs Roth IRA

Are you eligible for a deductible Traditional IRA? (Modified AGI less than $61K, $71K for partial deduction) Do you expect a pension? (if not, Traditional is favored if eligible) Do you expect there to be a gap of time between retiring and taking pension or SS? (if yes, Traditional is favored if eli...
by rkhusky
Wed Jan 21, 2015 9:09 pm
 
Forum: Investing - Theory, News & General
Topic: Traditional IRA vs Roth IRA
Replies: 3
Views: 325

Re: I'm thinking about making very large 529 contributions A

As always I appreciate your thoughts. Yes - assuming all tax-advantaged retirement space already filled, does it make sense to lump sum 5 years of college savings (whatever that number is for you) today, given that current laws/rules for 529 withdrawals are quite favorable, given that the future is...
by rkhusky
Wed Jan 21, 2015 4:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: I'm thinking about making very large 529 contributions ASAP
Replies: 63
Views: 4290

Re: Tax Rate Impact on Asset Allocation

Part of the advice is based on the amount of tax you pay when you are contributing as well. Most folk try to maximize their total after-tax amount, which includes both pre- and post-retirement.
by rkhusky
Wed Jan 21, 2015 3:07 pm
 
Forum: Investing - Theory, News & General
Topic: Tax Rate Impact on Asset Allocation
Replies: 3
Views: 326

Re: I'm thinking about making very large 529 contributions A

No, I will continue with our plan to invest up to the state match every year (although I've been putting in extra for the older children who I started out with a lower contribution). We don't have enough to make a single large contribution.
by rkhusky
Wed Jan 21, 2015 3:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: I'm thinking about making very large 529 contributions ASAP
Replies: 63
Views: 4290

Re: "When you've won the game, stop playing"

How one responded to 2008 likely depended on how old they were, how close they were to retirement, how much cushion they had in their nest egg, and what percentage they had in stocks. I would've hated to have been 60 in 2007, planning for retirement in 2010, with a projected 25% cushion in the nest ...
by rkhusky
Wed Jan 21, 2015 1:34 pm
 
Forum: Investing - Theory, News & General
Topic: "When you've won the game, stop playing"
Replies: 83
Views: 8282

Re: Stop the BS 401k and go IRA?

Keep in mind that if you make too much to directly contribute to a Roth IRA, you can instead contribute to a non-deductible Traditional IRA and then convert it to a Roth. This is known as the "Backdoor Roth". This is still limited to $5500/$6500 per year for each spouse. Note that if you h...
by rkhusky
Wed Jan 21, 2015 8:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Stop the BS 401k and go IRA?
Replies: 8
Views: 969

Re: Adjusted Livesoft Income (ALI)

How about food stamps, subsidized housing and health care. Or perks like health club or company car or plane.
by rkhusky
Tue Jan 20, 2015 8:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Adjusted Livesoft Income (ALI)
Replies: 31
Views: 3017

Re: Tax Loss Harvesting Form ?

For a point of reference, my 1099-DIV from Vanguard appears correct, but I don't have a Vanguard brokerage account. It also includes dividends from my Tax Exempt Bond fund.
by rkhusky
Tue Jan 20, 2015 2:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Loss Harvesting Form ?
Replies: 7
Views: 489

Re: $50,000 to invest, want little to no risk. CDs? Silver?

You need to do a risk analysis. In a very rough sense, determine what are realistic risks, what are the probability of occurrences, and what is the impact if the risk occurs. Can you think of something where you would need all $50K for an emergency? Lose your job and have to live off the $50K? - the...
by rkhusky
Tue Jan 20, 2015 10:06 am
 
Forum: Investing - Help with Personal Investments
Topic: $50,000 to invest, want little to no risk. CDs? Silver? Etc?
Replies: 32
Views: 2650

Re: Traditional or Roth IRA

Thanks for the clarification. One more question, if my wife's employer-sponsored 401k is a joke, can she contibute elsewhere after doing the 3% for the matching fund and the remainder of the $18k limit in a Vanguard fund? This would reduce our combined AGI. Just a Roth IRA, if she's not eligible fo...
by rkhusky
Tue Jan 20, 2015 8:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Traditional or Roth IRA
Replies: 6
Views: 479

Re: How Can Short-Term Tax Exempt Make Sense?

I decided that I needed more than 0.5% difference before I was going to deal with the hassles of CD's. I also got tired of teaser rates on savings accounts that disappeared after a year. 0.5% of $10K is only $50. I have some money in Short Tax Exempt, some in Int. Tax Exempt and some in Hi Yield Tax...
by rkhusky
Mon Jan 19, 2015 9:29 pm
 
Forum: Investing - Theory, News & General
Topic: How Can Short-Term Tax Exempt Make Sense?
Replies: 13
Views: 1580

Re: When is it tax loss harvesting...

Selling Mobil at a loss and buying Shell would be a pure tax loss harvesting move.

Selling Mobil and buying Total Stock Market would be diversifying your asset allocation.

You can also sell Mobil for a loss and buy Total Stock Market, accomplishing two things with one fell swoop.
by rkhusky
Mon Jan 19, 2015 7:21 am
 
Forum: Investing - Help with Personal Investments
Topic: When is it tax loss harvesting...
Replies: 9
Views: 896

Re: IRA Conversion RMD Question

Would pulling $1000 out of the Roth (remove excess contribution) and putting it into taxable work?
by rkhusky
Sun Jan 18, 2015 9:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRA Conversion RMD Question
Replies: 9
Views: 555

Re: F Fund and the Fed

Best to be diversified and have some of both. Use an G/F ratio of anywhere from 4/1 to 1/1.
by rkhusky
Sun Jan 18, 2015 9:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: F Fund and the Fed
Replies: 8
Views: 656

Re: Rebalancing Calculation

For instance, in my case, I have 6 funds at 10% each, and a bond fund at 40%. I thought you had a mid-cap at 20%? So using the 8% relative band, this means that the smaller funds are rebalanced if less than 9.2 or greater than 10.8% (of that fund). The large bond fund would be rebalanced if less th...
by rkhusky
Sat Jan 17, 2015 6:13 pm
 
Forum: Investing - Theory, News & General
Topic: Rebalancing Calculation
Replies: 25
Views: 2127

Re: Roth 401k Vs Traditional 401k question

Are you in the child tax credit phaseout region? Will you collect your pension at retirement or will that be delayed until later? A pension of $20K and $35K in dividends puts you in the 15% bracket for MFJ and standard deductions with about $40K to spare. Without more information, such as the size o...
by rkhusky
Sat Jan 17, 2015 1:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth 401k Vs Traditional 401k question
Replies: 4
Views: 350

Re: Buying Worst Rated Stocks Outperforms the Market

Isn't that about the same as a value strategy? Buy the stocks with the lowest price/earnings or price/book value. I guess the difference is that value stocks use the market to determine quality (or lack of quality), rather than analysts.
by rkhusky
Sat Jan 17, 2015 1:08 pm
 
Forum: Investing - Theory, News & General
Topic: Buying Worst Rated Stocks Outperforms the Market
Replies: 8
Views: 1459

Re: Debate: Roth 401k vs Trad 401k

Whether or not you have a pension or other source of income to fill the lower brackets in retirement is also an important consideration. You don't want to pay 25% to contribute to a Roth and then not have enough Traditional funds (or other sources of income) to fill the 0%, 10% and 15% brackets in r...
by rkhusky
Sat Jan 17, 2015 8:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Debate: Roth 401k vs Trad 401k
Replies: 26
Views: 1772

Re: Rebalancing Calculation

Is relative or absolute bands better - or does it really matter as long as you take the emotion out of the mix and just rely on the numbers. You have code in your spreadsheet for determining when to rebalance. Have you coded a method for computing how to rebalance, i.e. which funds to sell/buy to b...
by rkhusky
Sat Jan 17, 2015 8:03 am
 
Forum: Investing - Theory, News & General
Topic: Rebalancing Calculation
Replies: 25
Views: 2127

Re: Rebalancing Calculation

It is the coffeehouse portfolio. I have one asset that is 40% - and that is my bond fund VBTLX. Again, I have an 8% range on it - if the portfolio composition changes such that 32 <= TBLX <=48 percent of the portfolio, I do nothing. Outside of that band I rebalance. What are other ways to rebalance...
by rkhusky
Fri Jan 16, 2015 4:13 pm
 
Forum: Investing - Theory, News & General
Topic: Rebalancing Calculation
Replies: 25
Views: 2127

Re: 529 plan - aggressive vs moderate - what to do?

I'm not maxing out my 403b as we are trying to save up for a down payment. Is the 529 the last thing I should put more into? One should max out other forms of tax-advantaged retirement accounts before contributing to a 529. You can borrow money for college, but not for retirement. And you can pay f...
by rkhusky
Fri Jan 16, 2015 4:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529 plan - aggressive vs moderate - what to do?
Replies: 13
Views: 842

Re: 529 plan - aggressive vs moderate - what to do?

Remember that college funding is quite different from retirement. You will need the funds in 16 years or so and spend it all within 4 years or so. 75/25 seems reasonable to start with, but you also need to consider the glide path. I wouldn't do 100/0, but 90/10 or 80/20 might be okay for a few years...
by rkhusky
Fri Jan 16, 2015 12:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529 plan - aggressive vs moderate - what to do?
Replies: 13
Views: 842

Re: Why invest in International funds? It's a mystery

It doesn't surprise me at all, given the recent outperformance of domestic stocks over international stocks, that we're having this conversation here on a weekly basis. I suspect that if the opposite were true and international had beaten domestic recently, that these threads wouldn't exist. Instea...
by rkhusky
Fri Jan 16, 2015 10:47 am
 
Forum: Investing - Theory, News & General
Topic: Why invest in International funds? It's a mystery
Replies: 121
Views: 10399

Re: Rebalancing Calculation

No - they are absolute ranges. For instance, my desired REIT allocation is 10%. Due to market fluctuations, the allocation is now 10.76%. The percentage out of balance is (10.76-10)/10 or +7.60% It hasn't tripped the band of equal or greater than +/-8%. The absolute valve function just makes it eas...
by rkhusky
Fri Jan 16, 2015 9:29 am
 
Forum: Investing - Theory, News & General
Topic: Rebalancing Calculation
Replies: 25
Views: 2127

Re: Is 2015 the year for me to open a Roth IRA?

Definitely fund the 2014 Roth IRA before April 15. Once that space is gone you can't get it back.
by rkhusky
Fri Jan 16, 2015 9:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Is 2015 the year for me to open a Roth IRA?
Replies: 11
Views: 675

Re: Maxing 401k vs Roth 401k vs Roth IRA

I'm in the bottom of the 25% now (home owner for 2 years so the interest credits are still big) myself. Being only 25 years old, I'd rather just sock away as much as I can and take advantage of the Roth programs because who knows if they'll last. It'd be hard to complain about having a million in R...
by rkhusky
Fri Jan 16, 2015 8:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Maxing 401k vs Roth 401k vs Roth IRA
Replies: 25
Views: 2332

Re: Maxing 401k vs Roth 401k vs Roth IRA

We are in the bottom of the 25% bracket right now and I don't expect to go much higher before retirement (actually 30% marginal rate due to child tax credit phaseout). I expect to be in the 15% bracket in retirement (<$95K AGI for MFJ with standard deductions), but may bump into 25% with SS and RMD'...
by rkhusky
Thu Jan 15, 2015 9:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Maxing 401k vs Roth 401k vs Roth IRA
Replies: 25
Views: 2332

Re: Debate: Roth 401k vs Trad 401k

Do you expect to be making about the same amount for the rest of your career in today's dollars? Or is there a reasonable chance that your income could double or triple? Do you expect a pension when you retire? Do you expect there to be a sizable gap between when you retire and when you start collec...
by rkhusky
Thu Jan 15, 2015 2:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Debate: Roth 401k vs Trad 401k
Replies: 26
Views: 1772

Re: The TSP's Low Expenses vs. Vanguard

If someone only had a $140K portfolio, then the difference is only $60. Is $60 worth more or less to the person with $140K than $600 is worth to the person with $1.4M?
by rkhusky
Thu Jan 15, 2015 11:09 am
 
Forum: Personal Finance (Not Investing)
Topic: The TSP's Low Expenses vs. Vanguard
Replies: 40
Views: 3768

Re: The TSP's Low Expenses vs. Vanguard

The TSP's expenses are so low that there really isn't a meaningful difference between the funds, might as well just call it 0.03%.
by rkhusky
Thu Jan 15, 2015 11:03 am
 
Forum: Personal Finance (Not Investing)
Topic: The TSP's Low Expenses vs. Vanguard
Replies: 40
Views: 3768

Re: Do you encrypt financial/investment documents on your PC

Seriously? People keep this information unprotected? What a heartache if you lost control of your financial data. All those passwords to change, credit card companies to call, or do you just hope the thief doesn't notice what's on your computer? Why would anyone save their passwords? Those are supp...
by rkhusky
Thu Jan 15, 2015 11:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you encrypt financial/investment documents on your PC?
Replies: 37
Views: 1978

Re: Roth 401k or traditional 401k

Stick with the Traditional 401K and the Roth IRA's.
by rkhusky
Thu Jan 15, 2015 8:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth 401k or traditional 401k
Replies: 4
Views: 420

Re: Before Tax or Roth 403(b)?

If you end up with children and fall in the Child Tax Credit phaseout region, you can add another 5% to your marginal rate, which provides more incentive for tax deferred. (although being in the 28% bracket, you would probably need a few kids before that becomes an issue)
by rkhusky
Wed Jan 14, 2015 4:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Before Tax or Roth 403(b)?
Replies: 4
Views: 260

Re: Taxable account options

I wouldn't use the Roth as a run-of-the-mill emergency fund, but only for a once or twice in a lifetime emergency fund. Keep some funds in taxable (savings, muni funds, even TSM) for the once a year emergencies.
by rkhusky
Wed Jan 14, 2015 4:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxable account options
Replies: 25
Views: 2097
Next

Return to advanced search