Search found 2395 matches

by rkhusky
Fri Jun 26, 2015 7:47 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard 529 vs. Michigan 529
Replies: 8
Views: 1247

Re: Vanguard 529 vs. Michigan 529

I note that other sites, including the Bogleheads wiki, also say that Michigan does not recapture the state tax break when rolling over to another state's plan. The disclosure document has this rather opaque statement: MESP has received guidance from the Michigan Department of Treasury, the Bureau ...
by rkhusky
Wed Jun 24, 2015 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: Target Date 2015- Low-credit-quality bonds?
Replies: 14
Views: 1907

Re: Target Date 2015- Low-credit-quality bonds?

Perhaps the Vanguard analyzer considers TIPS to be low quality. Only TR 2010 and 2015 have TIPS and they are about 20% of the bonds.
by rkhusky
Wed Jun 24, 2015 5:00 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard 529 vs. Michigan 529
Replies: 8
Views: 1247

Re: Vanguard 529 vs. Michigan 529

I note that other sites, including the Bogleheads wiki, also say that Michigan does not recapture the state tax break when rolling over to another state's plan. The disclosure document has this rather opaque statement: MESP has received guidance from the Michigan Department of Treasury, the Bureau o...
by rkhusky
Wed Jun 24, 2015 12:34 am
Forum: Investing - Help with Personal Investments
Topic: When is a Roth 401k the Better Option?
Replies: 27
Views: 1748

Re: When is a Roth 401k the Better Option?

If you are not expecting a pension, you will want enough in traditional to fill the 0% and 10% brackets every year in retirement. No sense in paying 15% now, when you could be paying 0% in retirement. Would you suggest dedicating a certain amount in my early years to a Traditional 401k, and then sw...
by rkhusky
Wed Jun 24, 2015 12:22 am
Forum: Investing - Help with Personal Investments
Topic: Target Date 2015- Low-credit-quality bonds?
Replies: 14
Views: 1907

Re: Target Date 2015- Low-credit-quality bonds?

Don't all the TR funds invest in the Total Bond fund? They don't invest individually.
by rkhusky
Wed Jun 24, 2015 12:11 am
Forum: Investing - Help with Personal Investments
Topic: When is a Roth 401k the Better Option?
Replies: 27
Views: 1748

Re: When is a Roth 401k the Better Option?

If you are not expecting a pension, you will want enough in traditional to fill the 0% and 10% brackets every year in retirement. No sense in paying 15% now, when you could be paying 0% in retirement.
by rkhusky
Sat Jun 20, 2015 1:58 pm
Forum: Personal Consumer Issues
Topic: OPM breach and credit freeze
Replies: 161
Views: 12998

Re: OPM breach and credit freeze

Regardless of whether you are owed a refund, you wouldn't be able to file because they've already filed a fake return. There is nothing that prevents you from filing a paper return. Presumably the IRS will recognize that the paper return is the correct one. If you owe, then you don't get upset wait...
by rkhusky
Fri Jun 19, 2015 9:31 pm
Forum: Personal Consumer Issues
Topic: OPM breach and credit freeze
Replies: 161
Views: 12998

Re: OPM breach and credit freeze

Vanguard has security questions based on personal information, such as grandmother's first name or the street you grew up on. That information might be on someone's SF-86. Most questions only ask the employee to go back at most 10 years (so you don't have to list every place you've lived since you ...
by rkhusky
Fri Jun 19, 2015 8:05 pm
Forum: Personal Consumer Issues
Topic: OPM breach and credit freeze
Replies: 161
Views: 12998

Re: OPM breach and credit freeze

I'm not sure why people think that OPM has their passwords in some sort of database. The only reason you would have to change passwords on Vanguard is if your password is based on some aspect of your life, which is a major no-no. Passwords should be nearly random.
by rkhusky
Fri Jun 19, 2015 1:19 pm
Forum: Personal Consumer Issues
Topic: OPM breach and credit freeze
Replies: 161
Views: 12998

Re: OPM breach and credit freeze

Frankly, I am hesitant to give my info to these third parties, which as you said, could also get hacked. As part of an insurance company breach I was offered credit monitoring from one of the three credit bureaus. Since they already have all my info, I didn't have to provide anything extra. I imagin...
by rkhusky
Fri Jun 19, 2015 7:12 am
Forum: Personal Finance (Not Investing)
Topic: Applying for mortgage - How much financial data to reveal?
Replies: 10
Views: 1475

Re: Applying for mortgage - How much financial data to reveal?

We are real sticklers for privacy. So when we apply for a mortgage, do we have to reveal ALL of the contents of our portfolio / investments? Or can we reveal enough to qualify for the loan and leave the rest private? For example, for a $250K loan, if we only reveal part of our portfolio, say $2M, i...
by rkhusky
Thu Jun 18, 2015 8:14 pm
Forum: Investing - Theory, News & General
Topic: Asset Allocation - Equity vs. FI for investors under 40
Replies: 29
Views: 2249

Re: Asset Allocation - Equity vs. FI for investors under 40

Again I am not suggesting this data crunching means anything at all, but for the last 40+ yrs. many things happened with going 100% equity, but "going broke" is not one of them. Sure, you're unlikely to go broke, but losing 50% of your portfolio and not recovering it for 10-20 years might...
by rkhusky
Thu Jun 18, 2015 2:32 pm
Forum: Investing - Theory, News & General
Topic: Asset Allocation - Equity vs. FI for investors under 40
Replies: 29
Views: 2249

Re: Asset Allocation - Equity vs. FI for investors under 40

If you have a house, think of home owners insurance. How many people experience their house burning down? Can you conceive of your house burning down (i.e. do you engage in behaviors that might make it possible?)? But we all likely pay home owners insurance year after year, just in case. When invest...
by rkhusky
Thu Jun 18, 2015 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Is this right - Fidelity refusing to release my money until I visit their branch?
Replies: 23
Views: 3314

Re: Is this right - Fidelity refusing to release my money until I visit their branch?

This account just holds rewards from using your card? Hopefully you don't lose all your points by closing the account. Perhaps there is something in the fine print that requires an office visit so they can give you a sales pitch, in exchange for opening the card and getting some initial reward.
by rkhusky
Thu Jun 18, 2015 7:03 am
Forum: Investing - Theory, News & General
Topic: When does the long term start?
Replies: 26
Views: 3445

Re: When does the long term start?

Claiming that the stock market is an investment for the long term is very common, but also very vague. When exactly does the long term start? Is five years long term? or do you have to wait for twenty years? or perhaps thirty years is what it really takes. I looked for criteria that may provide an ...
by rkhusky
Tue Jun 16, 2015 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: Help me choose: Roth401k or Trad401k?
Replies: 31
Views: 2700

Re: Help me choose: Roth401k or Trad401k?

Edit: The IRS web site says Is there a minimum waiting period to reconvert the money to a Roth IRA following a recharacterization? Anyone have experience with this? I think I just royally screwed up my IRAs. I had contributed about $2500 to my Roth IRA before realizing I was going to be over the in...
by rkhusky
Tue Jun 16, 2015 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: checking in after changes to 401k
Replies: 17
Views: 1385

Re: checking in after changes to 401k

I just need one bit more of clarification. Is it a good/bad/indifferent idea to put some of the 401k into VISVX or just put all the stock money into FUSEX? There is no consensus. Some people like small value, others think it might provide higher return, but with higher risk. Others think that it mi...
by rkhusky
Tue Jun 16, 2015 12:41 pm
Forum: Investing - Help with Personal Investments
Topic: checking in after changes to 401k
Replies: 17
Views: 1385

Re: checking in after changes to 401k

How not to invest: jump into the market after it has been going up for 5+ years, jump out of the market after it has dropped by 30%, jump back into the market after it increases by 100%, jump back out ... etc. Bonds are for stability so that you don't lose quite as much when the market drops by 10%,...
by rkhusky
Tue Jun 16, 2015 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: Help me choose: Roth401k or Trad401k?
Replies: 31
Views: 2700

Re: Help me choose: Roth401k or Trad401k?

FelixTheCat wrote:Mine is a different angle. You will pay taxes now or later.

Do you want to pay taxes now when you can afford them? -- Roth
Do you want to pay taxes later in retirement? -- Traditional


Best to arrange things to "avoid high taxes now" and "pay low taxes later", if you can.
by rkhusky
Tue Jun 16, 2015 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Help me choose: Roth401k or Trad401k?
Replies: 31
Views: 2700

Re: Help me choose: Roth401k or Trad401k?

I'm new to this Backdoor IRA concept, but from what I read you have to wait 1 year to change it back.... unsure on this. Wondering if there's any reason to do a Backdoor Roth right away, or if it can all be done at once like 10 years down the road or something like that? Not sure about the 1 year w...
by rkhusky
Tue Jun 16, 2015 7:01 am
Forum: Investing - Help with Personal Investments
Topic: Help me choose: Roth401k or Trad401k?
Replies: 31
Views: 2700

Re: Help me choose: Roth401k or Trad401k?

We used to max RothIRA contributions, but last year our AGI finally crossed the threshold and forced us to make those contributions to a TradIRA. I expect that to be the case going forward. Hopefully you are immediately converting the non-deductible TradIRA to Roth. The second table on this page (h...
by rkhusky
Tue Jun 16, 2015 6:47 am
Forum: Investing - Help with Personal Investments
Topic: Porfolio review UTAH 529 Customized Age Based
Replies: 15
Views: 1419

Re: Porfolio review UTAH 529 Customized Age Based

RandomPointer wrote:
Grt2bOutdoors wrote:Sometimes return of capital is more important than return of capital.

I am not sure I understand.....


I think it's supposed to be "Sometimes return of capital is more important than return on capital.
by rkhusky
Tue Jun 16, 2015 6:43 am
Forum: Investing - Theory, News & General
Topic: Small Cap (Value) Tilt vs. Market Weight
Replies: 52
Views: 6107

Re: Small Cap (Value) Tilt vs. Market Weight

You might want to try benchmarking yourself. That way you can select any benchmark you like for comparison rather than just hanging around to criticize others. I think you will find not doing it your way doesn't make it wrong. I prefer to benchmark against GREK. U B da new supa star manager. :oops:...
by rkhusky
Tue Jun 16, 2015 6:35 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard 529 vs. Michigan 529
Replies: 8
Views: 1247

Re: Vanguard 529 vs. Michigan 529

Is there any significant advantage in rolling over my 529 plan from TIAA-CREF managed Michigan's 529 plan to Vanguard managed Nevada's 529 plan? Only if you are getting a state tax break from Nevada and you have not received a tax break from Michigan in the past. In the latter case, Michigan will r...
by rkhusky
Mon Jun 15, 2015 8:18 pm
Forum: Investing - Theory, News & General
Topic: Small Cap (Value) Tilt vs. Market Weight
Replies: 52
Views: 6107

Re: Small Cap (Value) Tilt vs. Market Weight

midareff wrote:You might want to try benchmarking yourself. That way you can select any benchmark you like for comparison rather than just hanging around to criticize others. I think you will find not doing it your way doesn't make it wrong.

I prefer to benchmark against GREK.
by rkhusky
Mon Jun 15, 2015 5:27 pm
Forum: Investing - Theory, News & General
Topic: Small Cap (Value) Tilt vs. Market Weight
Replies: 52
Views: 6107

Re: Small Cap (Value) Tilt vs. Market Weight

I'd have to splice 2 Life Strategy Funds to match my equity/FI AA, and have no reason to benchmark to a fund or funds containing international bonds, which I neither have or want. FWIW, M* benchmark references VTSAX to the S&P500 and a large blend so the S&P500 is good enough for me. Again,...
by rkhusky
Mon Jun 15, 2015 5:14 pm
Forum: Investing - Help with Personal Investments
Topic: checking in after changes to 401k
Replies: 17
Views: 1385

Re: checking in after changes to 401k

Do you have any low cost (ER<0.3%) target retirement funds?

If not, I would consider putting international in Roth and taxable and avoid it in your 401K.
OAKIX only has 55 stocks versus the thousands in a diversified international index. HRIGX has 79 stocks. HRINX has 73.
by rkhusky
Mon Jun 15, 2015 3:26 pm
Forum: Investing - Theory, News & General
Topic: Small Cap (Value) Tilt vs. Market Weight
Replies: 52
Views: 6107

Re: Small Cap (Value) Tilt vs. Market Weight

1) You wouldn't have to splice if you used VG Target Retirement or LifeStrategy funds, depending on whether or not you are reducing stocks as you get closer to retirement. Three years retired with the same AA for many years and no expectation of change going forward. I would then suggest comparing ...
by rkhusky
Mon Jun 15, 2015 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: checking in after changes to 401k
Replies: 17
Views: 1385

Re: checking in after changes to 401k

1) Don't make decisions based on short term gains/losses. Retirement investing should be for the long term. Most Bogleheads want a well diversified portfolio for the least cost. FUSEX is low cost and has large cap US stocks (S&P 500). 2) Small Value is okay and relatively low cost. 3) Many peopl...
by rkhusky
Mon Jun 15, 2015 2:01 pm
Forum: Investing - Theory, News & General
Topic: Will Saudi Arabia be added into Total International Stock?
Replies: 19
Views: 3098

Re: Will Saudi Arabia be added into Total International Stock?

Vanguard has FTSE Social Index Fund Investor Shares (VFTSX) for those that are interested. Otherwise, if it is in the index, Vanguard will have it.
by rkhusky
Mon Jun 15, 2015 1:25 pm
Forum: Investing - Theory, News & General
Topic: Small Cap (Value) Tilt vs. Market Weight
Replies: 52
Views: 6107

Re: Small Cap (Value) Tilt vs. Market Weight

1) You wouldn't have to splice if you used VG Target Retirement or LifeStrategy funds, depending on whether or not you are reducing stocks as you get closer to retirement. Three years retired with the same AA for many years and no expectation of change going forward. I would then suggest comparing ...
by rkhusky
Mon Jun 15, 2015 11:23 am
Forum: Investing - Theory, News & General
Topic: Small Cap (Value) Tilt vs. Market Weight
Replies: 52
Views: 6107

Re: Small Cap (Value) Tilt vs. Market Weight

1) Are the stocks in your portfolio just large cap US? No International or small US? If not, you might want to use a more appropriate benchmark. I could make a spliced benchmark of benchmarks but the point is to track a S&D portfolio's performance against gold standard benchmarks which are the ...
by rkhusky
Mon Jun 15, 2015 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Porfolio review UTAH 529 Customized Age Based
Replies: 15
Views: 1419

Re: Porfolio review UTAH 529 Customized Age Based

Keep in mind that retirement has a different time scale than education. Typical retirement portfolios are planning for 20-40 years in retirement. Education portfolios should be focused on 4-12 years. All the Vanguard 529 portfolios have 0% in stocks by age 19. Moderate option has 0% stock at age 16...
by rkhusky
Mon Jun 15, 2015 8:28 am
Forum: Investing - Theory, News & General
Topic: Small Cap (Value) Tilt vs. Market Weight
Replies: 52
Views: 6107

Re: Small Cap (Value) Tilt vs. Market Weight

What I'm talking about is using the performance of VFIAX (for the S&P500) and VBTLX (for Barclay's Agg) spliced together in the same asset allocation to equities ands bonds as my portfolio. Using data in M* it isn't very difficult or time consuming to compare the historical performance of a sli...
by rkhusky
Mon Jun 15, 2015 6:36 am
Forum: Investing - Help with Personal Investments
Topic: Porfolio review UTAH 529 Customized Age Based
Replies: 15
Views: 1419

Re: Porfolio review UTAH 529 Customized Age Based

Keep in mind that retirement has a different time scale than education. Typical retirement portfolios are planning for 20-40 years in retirement. Education portfolios should be focused on 4-12 years. All the Vanguard 529 portfolios have 0% in stocks by age 19. Moderate option has 0% stock at age 16....
by rkhusky
Sun Jun 14, 2015 8:08 pm
Forum: Investing - Theory, News & General
Topic: Small Cap (Value) Tilt vs. Market Weight
Replies: 52
Views: 6107

Re: Small Cap (Value) Tilt vs. Market Weight

At the end of the day the only way to see if you have increased your return is set a benchmark and measure. If you can't beat the benchmark own the benchmark. If the experts' prognostications about the markets coming decade are anywhere near right 80-150 basis points a year will be huge. By the tim...
by rkhusky
Sun Jun 14, 2015 6:54 am
Forum: Investing - Theory, News & General
Topic: Small Cap (Value) Tilt vs. Market Weight
Replies: 52
Views: 6107

Re: Small Cap (Value) Tilt vs. Market Weight

At the end of the day the only way to see if you have increased your return is set a benchmark and measure. If you can't beat the benchmark own the benchmark. If the experts' prognostications about the markets coming decade are anywhere near right 80-150 basis points a year will be huge. By the tim...
by rkhusky
Sat Jun 13, 2015 6:04 am
Forum: Investing - Theory, News & General
Topic: Small Cap (Value) Tilt vs. Market Weight
Replies: 52
Views: 6107

Re: Small Cap (Value) Tilt vs. Market Weight

I do this because I believe that over long periods of time that mid-caps/small-caps outperform large-caps. I am also small/value tilting. Higher return if you sell at the right time. Higher risk means that when you sell has greater importance. Very well said. I think that's often overlooked in vagu...
by rkhusky
Fri Jun 12, 2015 10:44 am
Forum: Investing - Theory, News & General
Topic: Small Cap (Value) Tilt vs. Market Weight
Replies: 52
Views: 6107

Re: Small Cap (Value) Tilt vs. Market Weight

nedsaid wrote: I do this because I believe that over long periods of time that mid-caps/small-caps outperform large-caps. I am also small/value tilting.

Higher return if you sell at the right time. Higher risk means that when you sell has greater importance.
by rkhusky
Fri Jun 12, 2015 8:29 am
Forum: Investing - Help with Personal Investments
Topic: Should I participate in my 401k?
Replies: 9
Views: 597

Re: Should I participate in my 401k?

Investing in a 401K allows you to save on taxes now (25%) and save on taxes on earnings in the future. 0.72% is not great, but it is not horrible. If you forgo the 401K contribution, you can't get it back in later years. Edit: if you are not maxing your IRA, you could do that first before using the ...
by rkhusky
Fri Jun 12, 2015 6:45 am
Forum: Investing - Theory, News & General
Topic: Small Cap (Value) Tilt vs. Market Weight
Replies: 52
Views: 6107

Re: Small Cap (Value) Tilt vs. Market Weight

So, if a large corporation with 100 brands decided to split and create 100 small companies around each brand, do you think it would be a good idea to put 100x the money that was invested in the large corporation to buy equal amounts of the 100 small companies? Likewise, if a group of investors deci...
by rkhusky
Thu Jun 11, 2015 2:03 pm
Forum: Investing - Theory, News & General
Topic: Small Cap (Value) Tilt vs. Market Weight
Replies: 52
Views: 6107

Re: Small Cap (Value) Tilt vs. Market Weight

I think you should equal weight mid, small, and large companies, not equally weight ALL companies (that would heavily weight the many small companies). To me that seems obviously more diverse than total market weight (75% large cap). Market weight is too heavily invested in the largest 50 companies...
by rkhusky
Thu Jun 11, 2015 12:05 pm
Forum: Investing - Theory, News & General
Topic: Small Cap (Value) Tilt vs. Market Weight
Replies: 52
Views: 6107

Re: Small Cap (Value) Tilt vs. Market Weight

So, if a large corporation with 100 brands decided to split and create 100 small companies around each brand, do you think it would be a good idea to put 100x the money that was invested in the large corporation to buy equal amounts of the 100 small companies? Likewise, if a group of investors decid...
by rkhusky
Wed Jun 10, 2015 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: Do we have a viable plan?
Replies: 11
Views: 935

Re: Do we have a viable plan?

My wife does have a non-matching 401k at work, but never participated in it. Is it too late? I see two conflicting opinions here about a Roth. I obviously need to learn more about them. It shouldn't be too late, but your wife would have to talk to her HR department. The decision between Roth and Tr...
by rkhusky
Wed Jun 10, 2015 9:38 am
Forum: Investing - Help with Personal Investments
Topic: Do we have a viable plan?
Replies: 11
Views: 935

Re: Do we have a viable plan?

You can't contribute to an IRA if you don't have earned income. If neither of you is working after your wife retires, you won't be able to contribute to an IRA. So, I don't think it is much use to contribute for only 3 years. When will you need these funds that you are investing? If less than 5 year...
by rkhusky
Wed Jun 10, 2015 6:30 am
Forum: Investing - Help with Personal Investments
Topic: Tsp allocation question
Replies: 26
Views: 1898

Re: Tsp allocation question

1. A G, C, S, and I purchase which is your employee contribution to your Roth IRA. 2. A G, C, S, and I purchase which is your agency's contribution (and always goes to Traditional IRA even if you are 100% Roth IRA) 3. A G, C, S, and I purchase which is your catch up contribution to your Roth IRA. N...
by rkhusky
Wed Jun 10, 2015 6:27 am
Forum: Investing - Help with Personal Investments
Topic: Latest TSP (Thrift) Contribution Date?
Replies: 29
Views: 2625

Re: Latest TSP (Thrift) Contribution Date?

If one contributes into the ROTH IRA 18K for 18 pay periods, will the Gov't continue to pay into the TSP traditional for the remaining pay 8 or 9 pay periods? I believe that there is a 1% gov't contribution whether you contribute or not. The remaining match is on a paycheck by paycheck basis, i.e. ...
by rkhusky
Tue Jun 09, 2015 6:32 pm
Forum: Investing - Help with Personal Investments
Topic: Tsp allocation question
Replies: 26
Views: 1898

Re: Tsp allocation question

If you can continue to get all your international exposure through Vanguard's Total International, that would be a good thing, because the TSP I Fund is missing Emerging Market, Small-Cap International and Canadian stocks.
by rkhusky
Tue Jun 09, 2015 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance Provider asking for Social
Replies: 12
Views: 855

Re: Health Insurance Provider asking for Social

nisiprius wrote:I've been through this many times and... I've caved.


I may cave eventually too, but I can at least get some satisfaction in putting up some resistance. But I'm not willing to spend too much time on it, so apparently I don't care that much about it.
by rkhusky
Tue Jun 09, 2015 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Traditional IRA loopholes?
Replies: 11
Views: 892

Re: Traditional IRA loopholes?

Due to high income I have to make non-deductible contributions to my traditional IRA. According to the second table on the page below, taxable is a better option than non-deductible IRA. I recreated the spreadsheet and found that there are some situations where that isn't true, but they were limite...

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