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Re: Improving the TSP [for current participants]

VictoriaF wrote:As far as I am concerned, if I can do in-plan Roth conversions, I will keep the funds in the TSP G-Fund indefinitely, and limited distribution options will become much less of a problem.
Victoria


The TSP requires RMD's from Roth accounts, so you can't keep all your TSP G-Fund indefinitely.
by rkhusky
Fri Sep 19, 2014 11:04 am
 
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 37
Views: 4328

Re: TSP Withdrawal Strategies - Fedsmith Article

A work-around to the proportionality rule, if you have both Traditional and Roth balances, would be to withdraw 99% of your account using a partial withdrawal, roll it over to Roth and Traditional IRA's, and then transfer back just the Traditional IRA part.
by rkhusky
Thu Sep 18, 2014 4:45 pm
 
Forum: Investing - Theory, News & General
Topic: TSP Withdrawal Strategies - Fedsmith Article
Replies: 24
Views: 1795

Re: TSP Withdrawal Strategies - Fedsmith Article

If I am reading the TSP withdrawal Form 77 correctly, you can set up a monthly withdrawal to go to an IRA. I don't see anything on that form about monthly withdrawals. I think it is for your one-time withdrawal. Edit: Use form TSP-70 to set up monthly withdrawals (http://www.tsp.gov/PDF/formspubs/t...
by rkhusky
Thu Sep 18, 2014 3:49 pm
 
Forum: Investing - Theory, News & General
Topic: TSP Withdrawal Strategies - Fedsmith Article
Replies: 24
Views: 1795

Re: TSP Withdrawal Strategies - Fedsmith Article

That would be great news! Has anyone done that? I guess I misread but in the "Withdrawing Your TSP Account After Leaving Federal Service" brochure at https://www.tsp.gov/PDF/formspubs/tspbk02.pdf it says After leaving Federal service, you may make a partial withdrawal and/or a full withdr...
by rkhusky
Thu Sep 18, 2014 3:47 pm
 
Forum: Investing - Theory, News & General
Topic: TSP Withdrawal Strategies - Fedsmith Article
Replies: 24
Views: 1795

Re: SSA Resumes Mailing Social Security Statements

Actually, I locked myself out. It's not for life, only 30 days til the system resets. Then you can try again. You can also go to the SSA office to sign up for the online service, if you feel like waiting. Still have no idea what that @##*&@ phone number for my college dorm was. Cheryl I didn't ...
by rkhusky
Thu Sep 18, 2014 12:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: SSA Resumes Mailing Social Security Statements
Replies: 6
Views: 1122

Re: TSP Withdrawal Strategies - Fedsmith Article

The speaker is very clear about the proportional withdrawal thing, and that a Roth-only withdrawal, while not currently allowable, is On The List. As of right now, you are allowed to make one partial withdrawal. You can use this to remove part or all of your traditional TSP, part or all of your Rot...
by rkhusky
Thu Sep 18, 2014 12:40 pm
 
Forum: Investing - Theory, News & General
Topic: TSP Withdrawal Strategies - Fedsmith Article
Replies: 24
Views: 1795

Re: Bond Index Conundrum

Bond index funds (like TBM and Total International), however, give you the organizations that are the most indebted and the most need of cash (maybe in trouble, like someone opening multiple credit card lines)? The amount of debt a company has is not a direct indication of risk. For example, one wo...
by rkhusky
Thu Sep 18, 2014 9:31 am
 
Forum: Investing - Theory, News & General
Topic: Bond Index Conundrum
Replies: 9
Views: 693

Re: TSP Withdrawal Strategies - Fedsmith Article

Note that both with the Traditional TSP and IRA, you have to start withdrawing funds yearly once you reach 70 1/2. It looks like the TSP requires that the distributions be done monthly. Also note this language if you have any Roth TSP: The required minimum distribution rules apply to your TSP accoun...
by rkhusky
Thu Sep 18, 2014 7:57 am
 
Forum: Investing - Theory, News & General
Topic: TSP Withdrawal Strategies - Fedsmith Article
Replies: 24
Views: 1795

Re: SSA Resumes Mailing Social Security Statements

Spirit Rider wrote:You can still review your up to date statements online.

Unless you answer one of the ID questions wrong due to incorrect info in your credit report. Then you are locked out for life.

It is not too hard to request a paper copy though.
by rkhusky
Wed Sep 17, 2014 3:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: SSA Resumes Mailing Social Security Statements
Replies: 6
Views: 1122

Re: TSP Withdrawal Strategies - Fedsmith Article

Couldn't you just withdraw whatever amount you want, then rebalance immediately to whatever percnetage allocation you want? This would be the tactic that would make the most sense to me. It's a hassle but eh. I wish that TSP didn't commingle Roth and Traditional withdrawals. It tracks them separate...
by rkhusky
Wed Sep 17, 2014 1:52 pm
 
Forum: Investing - Theory, News & General
Topic: TSP Withdrawal Strategies - Fedsmith Article
Replies: 24
Views: 1795

Re: Good Modern Science Fiction

Just thought of another series that I've enjoyed: Riverworld by Philip Jose Farmer. Which also brought to mind Ringworld by Larry Niven (more for the similarity in titles than in the subject matter or writing style).
by rkhusky
Wed Sep 17, 2014 7:54 am
 
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 129
Views: 5315

Re: TSP Withdrawal Strategies - Fedsmith Article

You can however make interfund transfers prior to withdrawal. You can't do this very precisely because the interfund transfer process only allows you to set whole number percentages for all the funds in your portfolio. For example, you can't do a direct transfer from the C Fund to the G Fund (edit:...
by rkhusky
Wed Sep 17, 2014 7:28 am
 
Forum: Investing - Theory, News & General
Topic: TSP Withdrawal Strategies - Fedsmith Article
Replies: 24
Views: 1795

Re: Ack! Bought a Dividend!

You should really have waited until after Dec 23 to buy those shares, so that you could also miss the dividends paid out on Dec 22. In fact, you should really wait until Dec 23, 2015, so that you can miss all of next year's dividends as well. Really, for funds that distribute dividends quarterly (or...
by rkhusky
Tue Sep 16, 2014 4:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Ack! Bought a Dividend!
Replies: 26
Views: 2444

Re: Best Vanguard Value Fund in Taxable Account?

Value funds are best held in tax-advantaged due to the higher dividend yield.
by rkhusky
Tue Sep 16, 2014 4:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best Vanguard Value Fund in Taxable Account?
Replies: 2
Views: 525

Re: Blending Wellesly , TSP and Bonds

Interesting that High Dividend Yield has 393 stocks, Value Index has 316, and Wellesley has 61. Might not be possible to exactly replicate the latter with either of the former.
by rkhusky
Tue Sep 16, 2014 1:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Blending Wellesly , TSP and Bonds
Replies: 5
Views: 650

Re: "The Education of a Value Investor"

Ken French library has daily prices for the base portfolios (http://mba.tuck.dartmouth.edu/pages/fac ... brary.html). You can compute weekly, monthly, quarterly, or yearly returns.
by rkhusky
Tue Sep 16, 2014 8:18 am
 
Forum: Investing - Theory, News & General
Topic: "The Education of a Value Investor"
Replies: 26
Views: 2564

Re: Blending Wellesly , TSP and Bonds

Vanguard Wellesley has about a 40/60 stock/bond ratio. The stocks tend to be large value and so the Vanguard Value Index would be a close match although it skews a bit smaller than Wellesley does (67,28,5 vs. 53,35,12 for (Giant, Large, Medium Morningstar categories)). Wellesley has more corporate b...
by rkhusky
Tue Sep 16, 2014 8:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Blending Wellesly , TSP and Bonds
Replies: 5
Views: 650

Re: Good Modern Science Fiction

I've also enjoyed reading the Well World books by Jack Chalker, as well as the Pip and Flinx books by Alan Dean Foster and also his Icerigger trilogy. I much prefer Heinlein's early books to his more famous books, like Citizen of the Galaxy, Have Spacesuit Will Travel, Red Planet, Tunnel in the Sky,...
by rkhusky
Fri Sep 12, 2014 5:22 pm
 
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 129
Views: 5315

Re: "The Education of a Value Investor"

According to Yahoo, Vanguard TISM grew by 244% from Sept 15, 1997 to present, while TSM grew by 309% (VG Index 500 grew by 292% for the same period). I could not verify the Aquamarine return with a quick Google search. Even if the reported numbers are true, I would not invest based on a single time ...
by rkhusky
Thu Sep 11, 2014 8:41 am
 
Forum: Investing - Theory, News & General
Topic: "The Education of a Value Investor"
Replies: 26
Views: 2564

Re: Total World is 50% Intl?!

Vanguard Total World Stock ETF (.18% Expense Ratio) https://personal.vanguard.com/us/funds/snapshot?FundId=3141&FundIntExt=INT 50% North America 50% Intl :confused thought 20%-25% intl is the recommended allocation? While it may be 50/50 now, it could go to 60/40 or 40/60. There is no rebalanci...
by rkhusky
Wed Sep 10, 2014 8:07 am
 
Forum: Investing - Theory, News & General
Topic: Total World is 50% Intl?!
Replies: 17
Views: 2189

Re: Good Modern Science Fiction

You mentioned Orson Scott Card. I really liked the first few books in both the Ender's Game and the Alvin Maker series. I also really liked the short story collection in The Folk of the Fringe.
by rkhusky
Tue Sep 09, 2014 8:17 am
 
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 129
Views: 5315

Re: Good Modern Science Fiction

Harry Harrison's West of Eden trilogy is interesting. For light reading, I like his Stainless Steel Rat series. In the latter vein, I also like Laumer's Retief books and Terry Brooks Landover series. I also liked Piers Anthony's Apprentice Adept and Incarnations of Immortality series, although the l...
by rkhusky
Mon Sep 08, 2014 12:22 pm
 
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 129
Views: 5315

Re: WSJ on leaving Roth IRA to heirs.. no so fast???

The problem with trying to plan based on potential changes to the tax code is that there are so many possibilities. This one is in the 2015 proposed budget. Yes, it's still not law, but most of the other things you mentioned are a lot farther away from being implemented at least at this point. I wa...
by rkhusky
Mon Sep 08, 2014 10:14 am
 
Forum: Personal Finance (Not Investing)
Topic: WSJ on leaving Roth IRA to heirs.. no so fast???
Replies: 11
Views: 1898

Re: POLL: Has a financial firm made a mistake with your mone

Bank was late with a billpay, which incurred a late charge. After BBB and state complaints, the bank paid the late charge. Refinanced our mortgage and the new provider did not send the check to the old provider in a timely manner, which resulted in a negative item on my credit report. We got it fixe...
by rkhusky
Mon Sep 08, 2014 10:05 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Has a financial firm made a mistake with your money?
Replies: 52
Views: 2639

Re: WSJ on leaving Roth IRA to heirs.. no so fast???

The problem with trying to plan based on potential changes to the tax code is that there are so many possibilities. For example, the US could implement a wealth tax or a tax on deposits or assets (http://www.washingtontimes.com/news/2014/sep/6/sen-sanders-calls-wealth-tax-afl-cio-convention/), which...
by rkhusky
Mon Sep 08, 2014 8:05 am
 
Forum: Personal Finance (Not Investing)
Topic: WSJ on leaving Roth IRA to heirs.. no so fast???
Replies: 11
Views: 1898

Re: Specific identification of shares and Vanguard

Keep It Simple wrote:... the numbers Vanguard will provide you with will be accurate and you will not have to track it yourself.

Unless Vanguard makes a mistake. I prefer to also keep track of it myself. But then I also reconcile my check register and credit card statements too.
by rkhusky
Mon Sep 08, 2014 7:47 am
 
Forum: Investing - Theory, News & General
Topic: Specific identification of shares and Vanguard
Replies: 9
Views: 742

Re: What risk-return really means

It's always irritating to see posts essentially guaranteeing higher return in exchange for taking more risk, as opposed to investors demanding a higher expected return for taking more risk. There are no guarantees, even with a diversified passive portfolio. Stocks may not outperform bonds going forw...
by rkhusky
Fri Sep 05, 2014 12:07 pm
 
Forum: Investing - Theory, News & General
Topic: What risk-return really means
Replies: 41
Views: 2330

Re: Warning level

My level is 1 and I remember getting 1 warning PM.
by rkhusky
Fri Sep 05, 2014 9:44 am
 
Forum: Forum Issues and Administration
Topic: Warning level
Replies: 39
Views: 2278

Re: Why is REIT only sector fund recommended in slice & dice

If you do hold other sector funds, you're choosing to hold them at greater than their market weighting - and if you subscribe to the efficient market hypothesis, they're already at the correct weight. But isn't this what you do with any slice and dice portfolio? You over weight small caps for examp...
by rkhusky
Wed Sep 03, 2014 2:38 pm
 
Forum: Investing - Theory, News & General
Topic: Why is REIT only sector fund recommended in slice & dice?
Replies: 113
Views: 7622

Re: Best AA? (3fund vs Slice n Dice vs only Balanced Funds v

Avoid making decisions based on the performance over a single time period. Look at 10's or 100's of time periods. Avoid trying to achieve the highest returning portfolio - you will also likely achieve the highest risk portfolio. Avoid switching your portfolio AA every year - choose something reasona...
by rkhusky
Wed Sep 03, 2014 8:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Best AA? (3fund vs Slice n Dice vs only Balanced Funds vs ?)
Replies: 5
Views: 427

Re: Free credit report not available online

If you make a telephone request through the http://www.annualcreditreport.com system, you don't have to send in a bunch of documentation. I get locked out occasionally, so I've done this a number of times. (I usually block javascript and recently the bureaus have started using iesnare.com, which I d...
by rkhusky
Tue Sep 02, 2014 4:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Free credit report not available online
Replies: 7
Views: 447

Re: Eliminate small MF lots?

The only fund I own is VWITX (int term tax exempt) and was only planning to purchase the total market stock fund in addition to this for the moment. VWITX has monthly dividends, which makes things a bit more messy. While I trust Vanguard, I like to double-check with my own records. I choose to send...
by rkhusky
Tue Sep 02, 2014 10:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Eliminate small MF lots?
Replies: 16
Views: 1127

Re: Do I need to see my credit report?

In our state, car insurance rates are dependent on a credit score and our insurance company lists the score in our paperwork.

We've also gotten our score when we've refinanced our mortgage, since it was also listed in the paperwork.
by rkhusky
Tue Sep 02, 2014 8:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Do I need to see my credit report?
Replies: 37
Views: 1945

Re: Max Contribution 401K Traditional vs Roth

Also keep in mind that the Roth vs Traditional answer also depends on other income that one might have in retirement, such as a pension and Social Security. One cannot just compare marginal rates while working and in retirement. You need to compare the effective tax rates on contributions and withdr...
by rkhusky
Mon Sep 01, 2014 4:22 pm
 
Forum: Investing - Theory, News & General
Topic: Max Contribution 401K Traditional vs Roth
Replies: 5
Views: 615

Re: Taxable investments - just starting out with 3 fund port

There are some posters here in the same situation. They've chosen to hang on to their pre-Boglehead investments rather than incur the significant taxation that would be involved in selling. Determine how much tax your are willing to bear and keep an eye out for opportunities to sell - a significant ...
by rkhusky
Sun Aug 31, 2014 7:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Sell/hold Taxable investments -starting out with 3 fund port
Replies: 3
Views: 306

Re: Trying to understand the 1040 Tax Table

Effective tax rate has no meaning or value. It is merely a red herring that politicians of all stripes use to deceive the voting public. All financial decisions are based on marginal rate. Incorrect. With no other income besides a withdrawal from a tax-deferred account, the effective tax rate is mu...
by rkhusky
Sat Aug 30, 2014 9:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Trying to understand the 1040 Tax Table
Replies: 36
Views: 2479

Re: Trying to understand the 1040 Tax Table

or perhaps, if the additional income is occurring on top of an established base of income, it is the marginal effective rate or the effective marginal rate for that extra lump of income, not the average tax rate of all the income but just the incremental additional income? Right. (To my ear, the la...
by rkhusky
Sat Aug 30, 2014 7:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Trying to understand the 1040 Tax Table
Replies: 36
Views: 2479

Re: Trying to understand the 1040 Tax Table

That money taken from your IRA will be taxed at your marginal rate. Effective tax rate, while interesting, is useless for decision making. All decisions to recognize additional income or accelerate deductions are based on the marginal rate. Both of these quotes are assuming that the income or IRA w...
by rkhusky
Fri Aug 29, 2014 10:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Trying to understand the 1040 Tax Table
Replies: 36
Views: 2479

Re: Trying to understand the 1040 Tax Table

That is incorrect. If I withdraw $100,000 from my traditional IRA, with no other income, my marginal rate is not zero. In this case, I would have saved $25K by using the traditional IRA (with a marginal rate of 25%), which I could have invested. If my effective rate on this withdrawal is 10%, I pay...
by rkhusky
Fri Aug 29, 2014 10:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Trying to understand the 1040 Tax Table
Replies: 36
Views: 2479

Re: Trying to understand the 1040 Tax Table

Marginal tax rate is useful for some decisions. Effective tax rate is useful for others. As an example of the latter, consider the Roth vs Traditional decision. While you typically get a tax break at your marginal rate when contributing to a Traditional Account, if you have no other sources of inco...
by rkhusky
Fri Aug 29, 2014 9:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Trying to understand the 1040 Tax Table
Replies: 36
Views: 2479

Re: Trying to understand the 1040 Tax Table

Marginal tax rate is useful for some decisions. Effective tax rate is useful for others. As an example of the latter, consider the Roth vs Traditional decision. While you typically get a tax break at your marginal rate when contributing to a Traditional Account, if you have no other sources of incom...
by rkhusky
Thu Aug 28, 2014 3:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Trying to understand the 1040 Tax Table
Replies: 36
Views: 2479

Re: Cost Basis Method

grabiner wrote: I sent Vanguard a secure Email identifying which lots to sell, and what I had paid for the lots.


I've used SpecID on noncovered shares without telling Vanguard. I just keep track of what I paid and received and report the info on my tax forms. Hopefully it won't come back to bite me.
by rkhusky
Thu Aug 28, 2014 10:32 am
 
Forum: Investing - Theory, News & General
Topic: Cost Basis Method
Replies: 16
Views: 1034

Re: AA of 60/40 for your Lifetime?

The more stocks you have, the better you do, but you have a higher chance for poor results. Risk vs. Reward. It appears fairly monotonic but I haven't plotted it out. If so, no sweet spot. There may not be a nominal "sweet spot" but that doesn't mean there isn't a risk adjusted "swee...
by rkhusky
Thu Aug 28, 2014 8:01 am
 
Forum: Investing - Help with Personal Investments
Topic: AA of 60/40 for your Lifetime?
Replies: 27
Views: 2346

Re: Questions: Target 2035/Three fund portfolio

Common advice is to look at the portfolio of target date funds, not the name, in deciding if it is right for you. Are you comfortable with 83% stocks or 90% stocks? As has been mentioned, consider your portfolio in total. Decide on an overall AA, then how to fund the individual pieces. Some have sug...
by rkhusky
Thu Aug 28, 2014 7:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Questions: Target 2035/Three fund portfolio
Replies: 8
Views: 639

Re: Sick Building Syndrome (Electrical Pollution)

I would check into air quality.
by rkhusky
Thu Aug 28, 2014 7:42 am
 
Forum: Personal Consumer Issues
Topic: Sick Building Syndrome (Electrical Pollution)
Replies: 17
Views: 1376

Re: AA of 60/40 for your Lifetime?

Vanguard did some analysis on the subject: https://personal.vanguard.com/us/insights/saving-investing/model-portfolio-allocations/ The more stocks you have, the better you do, but you have a higher chance for poor results. Risk vs. Reward. It appears fairly monotonic but I haven't plotted it out. If...
by rkhusky
Wed Aug 27, 2014 11:09 am
 
Forum: Investing - Help with Personal Investments
Topic: AA of 60/40 for your Lifetime?
Replies: 27
Views: 2346

Re: Really dumb question from a newbie. passive investing

What would be "active" investing? Trying to time the market. Although there are various levels of active/passive investing. But generally, if your Asset Allocation does not change based on market conditions, you are passive. Target Date funds change their asset allocation over time as you...
by rkhusky
Tue Aug 26, 2014 9:52 am
 
Forum: Investing - Theory, News & General
Topic: Really dumb question from a newbie. passive investing
Replies: 6
Views: 791

Re: Catastrophe Brewing - Longevity

Thanks Alan. If the article is correct, and new 2015 longevity tables will show that the 'average' 65 year old will live to age 87.7, then waiting until 70 to draw Social Security becomes almost a no-brainer for most of us. John Perhaps SS will lower the premium for waiting to collect, since it is ...
by rkhusky
Tue Aug 26, 2014 9:49 am
 
Forum: Investing - Theory, News & General
Topic: Catastrophe Brewing - Longevity
Replies: 12
Views: 2505

Re: Total world stock or diversification

Why is total world not diversified? It owns more then 6000 stocks (although the index it follows has more than 7000).

Is it at an advantage when companies like Burger King drop out of Total Stock Market and move to Total International? How often does that happen?
by rkhusky
Tue Aug 26, 2014 9:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Total world stock or diversification
Replies: 3
Views: 434

Re: How Does Vanguard Re-Balance VBIAX

I imagine they do it by buying/selling stocks/bonds as appropriate on a daily basis. However, they also have more resources than we do, so they can probably buy/sell shares to a certain extent amongst their various funds to reduces taxes and investment costs. I imagine they also have a sophisticated...
by rkhusky
Mon Aug 25, 2014 3:52 pm
 
Forum: Investing - Theory, News & General
Topic: How Does Vanguard Re-Balance VBIAX
Replies: 4
Views: 563
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