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Re: Help to choose right 401k mix

No, I don't see any major flaws. Yes, I think you have a hankering for the munis. Thank you. I am relieved :happy. I guess one of the reasons for munis is diversification (similar to stocks). With IBonds and current choices in 401ks, I have good exposure to Treasury & Govt. related, Corp bonds....
by samsnow25
Sun Mar 24, 2013 2:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help to choose right 401k mix
Replies: 59
Views: 3171

Re: Help to choose right 401k mix

I guess my reclassification of Ibonds is triggering more changes than what I was prepared for :o . To ease it out on my mind, I am going to consider my Ibonds contribution starting this year (10k) as a part of overall Bond portfolio. Thank you for pointers around extended market, I had completely mi...
by samsnow25
Sat Mar 23, 2013 9:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help to choose right 401k mix
Replies: 59
Views: 3171

Re: Help to choose right 401k mix

1. We can work with your percentages. They are pretty close to 100%.
2. I think I should adjust going forward and with new money (10k) except for the one time swap between 401k and Roth.
by samsnow25
Fri Mar 22, 2013 11:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Help to choose right 401k mix
Replies: 59
Views: 3171

Re: Help to choose right 401k mix

If you put $11k into Roth IRAs, that will leave $9k. Do you want that $9k to go to retirement savings or to college savings? What are your thoughts on that? retirement savings. By the way, if you each are in the 25% bracket and MFSeparately, why do a back door contribution to Roth IRA rather than a...
by samsnow25
Fri Mar 22, 2013 10:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Help to choose right 401k mix
Replies: 59
Views: 3171

Re: Help to choose right 401k mix

Should I assume you won't have an extra $20k or so to invest each year? It will be safe to assume that I will have extra 20k each year to invest. I may not have 20k on the top of Roth (which will be different than this year). I started building portfolio late in my career, so I am more aggressive i...
by samsnow25
Fri Mar 22, 2013 10:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Help to choose right 401k mix
Replies: 59
Views: 3171

Re: Help to choose right 401k mix

Sorry. I meant how much of the 28k is going to his and how much is going to hers. This is to see how easily the new money flows into the portfolio idea I posted earlier.

14k will go into his and 14k into hers as per the allocation in previous post (unless we decide to change future direction).
by samsnow25
Fri Mar 22, 2013 9:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Help to choose right 401k mix
Replies: 59
Views: 3171

Re: Help to choose right 401k mix

Can you split these please? Here you go sir. His 401k - 14k 15% or 2.1k - NORTHERN TR CL RUSSELL 2000 II 35% or 4.9k - NORTHERN TR CL S&P 500 IDX II 50% or 7k - NORTHERN TR CL AGG BD IDX II Her 401k - 14k 70% or 9.8k - Fifth Third Bank Equity Index Fund A 30% or 4.2k - Lord Abbett Short Duratio...
by samsnow25
Thu Mar 21, 2013 9:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help to choose right 401k mix
Replies: 59
Views: 3171

Re: Help to choose right 401k mix

Correct. The I Bonds can be either part of your retirement money or part of your emergency fund (after the 1 year during which you can't redeem them). If you consider that to be retirement money, you need to include it in your retirement asset allocation. What do you consider the I Bonds to be? I c...
by samsnow25
Thu Mar 21, 2013 7:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help to choose right 401k mix
Replies: 59
Views: 3171

Re: Help to choose right 401k mix

Good morning, here are the details of current allocation. Total Portfolio = 102k His 401k 41% (42k) 38% NORTHERN TR CL S&P 500 IDX  14% NORTHERN TR CL RUSSELL 2000  48% NORTHERN TR CL AGG BD IDX  Her 401k 32% (33k) 76% Fifth Third Equity Index Fund  24% Lord Abbot Bond Fund His Roth IRA 11% (11k...
by samsnow25
Thu Mar 21, 2013 9:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Help to choose right 401k mix
Replies: 59
Views: 3171

changes in 401K investment menu

Greetings everyone, I need your feedback as a result of some changes in my 401K investment menu. Current allocation: 102k Large Cap – 43% (both 401ks) Small Cap – 6% (his 401k) Int. total – 22 % (Roth IRAs, backdoor) Bonds – 28 % (both 401ks) All the low cost Northern TR Equity options are getting r...
by samsnow25
Wed Mar 20, 2013 1:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help to choose right 401k mix
Replies: 59
Views: 3171

Ohio 529 Plan tax deduction

I came across interesting thread on another website about maximizing the tax deduction. Ohio 529 tax deduction ($2000 per year) is per beneficiary, not per family. I can potentially open 1 account with my daughter as beneficiary and 2 more accounts with myself and spouse as beneficiary. Since changi...
by samsnow25
Sat Oct 20, 2012 12:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Ohio 529 Plan tax deduction
Replies: 1
Views: 200

Re: Help to choose right 401k mix

Thank you for all the pointers. I researched them over the weekend. Since, my employer does not offer After-tax 401(k) contributions, it will be a moot point to investigate further. I do have HSA account for my HDHP. However, the investment options are limited and pricey. The funds have greater fees...
by samsnow25
Mon Oct 01, 2012 12:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help to choose right 401k mix
Replies: 59
Views: 3171

Add taxable or increase 529 or ?

After good suggestions from multiple folks here and some reading, I am now maxing out 401k for wife & me. Also, did backdoor ROTH for 2012. In the first 5 years of my career, I did not contribute to 401k. I was not motivated enough because of no match and some other personal circumstances. Now, ...
by samsnow25
Fri Sep 28, 2012 4:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help to choose right 401k mix
Replies: 59
Views: 3171

Re: Help to choose right 401k mix

1. Since ROTH contributions are in bulk and 401k is over the 1 year period, I will keep the International in his 401k to help even spread. I will allocate 5% of my ROTH to VEIEX first and then divide the remaining ROTH amongst VTSMX – 45%, VGTSX – 20% and VBMFX (or VIPSX) – 35%. This would also all...
by samsnow25
Tue Apr 24, 2012 11:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Help to choose right 401k mix
Replies: 59
Views: 3171

Re: Help to choose right 401k mix

Like Kevin, I think having emerging markets is important. Is it possible that $8k could go into a Roth IRA from the $50k you have in CDs? Total Portfolio = 38k His 401k 57.9% (22k) 21.3% NORTHERN TR CL S&P 500 IDX 6.6% NORTHERN TR CL RUSSELL 2000 30% NORTHERN TR CL AGG BD IDX Her 401k 21.1% (8k...
by samsnow25
Mon Apr 23, 2012 1:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help to choose right 401k mix
Replies: 59
Views: 3171

Re: Help to choose right 401k mix

Thanks Kevin and retiredjg . I think I am getting pretty close to finalize this with you help. Here is my updated allocation. The % in bracket will be my allocation during rebalancing (hopefully soon). His 401k: 18 % NORTHERN TR CL S&P 500 IDX (24% of account) 20 % NORTHERN TR CL EAFE INDX (27%...
by samsnow25
Fri Apr 13, 2012 8:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help to choose right 401k mix
Replies: 59
Views: 3171

Re: Help to choose right 401k mix

Kevin and retiredjg... How about ‘Eaton Vance Structured Emerging Mkts A EAEMX 1.45 / 1.45’ in Her portfolio. It seems to be tracking VEIEX pretty well. It has really high ER though. I am not sure if is high enough not to add it. I looked at the composition, they seems to hold stocks for same countr...
by samsnow25
Fri Apr 13, 2012 4:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help to choose right 401k mix
Replies: 59
Views: 3171

Re: Help to choose right 401k mix

Thanks Kevin and retiredjg . I think I am getting pretty close to finalize this with you help. Here is my updated allocation. The % in bracket will be my allocation during rebalancing (hopefully soon). His 401k: 18 % NORTHERN TR CL S&P 500 IDX (24% of account) 20 % NORTHERN TR CL EAFE INDX (27% ...
by samsnow25
Fri Apr 13, 2012 12:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help to choose right 401k mix
Replies: 59
Views: 3171

Re: Help to choose right 401k mix

Thank you retiredjg . I ignored the existing balances from calculation and it went wrong. Here is the updated one to match your proposed combined mix. His 401k 73% of portfolio 12.4% NORTHERN TR CL S&P 500 IDX (17% of account) 26.3% NORTHERN TR CL EAFE INDX (36% of account) 5.1% NORTHERN TR CL R...
by samsnow25
Thu Apr 12, 2012 9:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help to choose right 401k mix
Replies: 59
Views: 3171

Re: Help to choose right 401k mix

Hoppy and Johm , Thank you for taking time and detailed responses. I will take look at I-Bonds and Backdoor Roth IRA once I complete 401 mix. As far as fees on her plan, here are details for 2 options in consideration. Please let me know if this should change anything. Fee Summary (Fifth Third Equi...
by samsnow25
Wed Apr 11, 2012 2:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help to choose right 401k mix
Replies: 59
Views: 3171

Help to choose right 401k mix

Hello and thank you in advance to everyone who takes time to offer advice to novice investors such as myself. I was referred by good folks at TFB. I am a IT guy with 80k salary. Wife makes 78k.1 Child – 4 year old. Not planning for more. Emergency funds = 20k in checking, 50k in CDs. Debt: mortgage ...
by samsnow25
Tue Apr 10, 2012 11:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Help to choose right 401k mix
Replies: 59
Views: 3171

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