Search found 105 matches

by slowlrnr
Mon Aug 24, 2015 2:52 pm
Forum: Investing - Help with Personal Investments
Topic: Suggestions for picking 401k funds from a bad plan
Replies: 34
Views: 1678

Re: Suggestions for picking 401k funds from a bad plan

Thank you very very much for the detailed re-designed portfolio, retiredjg. I will implement your suggestions immediately and I am still not sure how would I continue investing in his 401k - would it still be in the same Invesco fund? I am still continuing my fight with management on paying the fees...
by slowlrnr
Thu Aug 20, 2015 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: Suggestions for picking 401k funds from a bad plan
Replies: 34
Views: 1678

Re: Suggestions for picking 401k funds from a bad plan

- I do put in Roth through backdoor contribution How much? His and Hers? How much do you put into the 401k and into taxable for retirement? - His old 401k that has VBTLX is also a sister company (merger) of where I currently work so that 401k is also going to change - His old 401k that has the ssGA...
by slowlrnr
Thu Aug 20, 2015 10:40 am
Forum: Investing - Help with Personal Investments
Topic: Suggestions for picking 401k funds from a bad plan
Replies: 34
Views: 1678

Re: Suggestions for picking 401k funds from a bad plan

Are you in a government related business, charity or non profit? If so, then you the company may not have to follow ERISA guidelines. If you do decide to use this plan, I would suggest 50% American WA mutual and 50% Invesco EQ weighted 500. Use IRAs/Roths for bonds, and international can go in taxa...
by slowlrnr
Thu Aug 20, 2015 10:31 am
Forum: Investing - Help with Personal Investments
Topic: Suggestions for picking 401k funds from a bad plan
Replies: 34
Views: 1678

Re: Suggestions for picking 401k funds from a bad plan

In order to help you simplify, it would be helpful to know what is available in Her Old 401k - just looking for 500 index, extended index, and low cost bonds. Also, how much money are you saving for retirement each year in each account? I'm assuming you want to use or preserve the ability to use ba...
by slowlrnr
Wed Aug 19, 2015 6:30 pm
Forum: Investing - Help with Personal Investments
Topic: Suggestions for picking 401k funds from a bad plan
Replies: 34
Views: 1678

Re: Suggestions for picking 401k funds from a bad plan

slowlrnr, I might have missed this, but do you get a company match? Is this a small company? Is your plan supposed to be ERISA compliant? That is a very important question. If you don't know, please find out. It looks like they may have tried to make it look compliant by adding an "index"...
by slowlrnr
Wed Aug 19, 2015 5:06 pm
Forum: Investing - Help with Personal Investments
Topic: Suggestions for picking 401k funds from a bad plan
Replies: 34
Views: 1678

Re: Suggestions for picking 401k funds from a bad plan

Your plan is poor. It is so poor that I'm not sure it would meet any fiduciary standards if someone challenged it. Retiredjg, can you please provide a little more information (if it is ok with you) on how the plan is poor and what is missing so I can push our company management to get better funds ...
by slowlrnr
Wed Aug 19, 2015 4:59 pm
Forum: Investing - Help with Personal Investments
Topic: Suggestions for picking 401k funds from a bad plan
Replies: 34
Views: 1678

Re: Suggestions for picking 401k funds from a bad plan

Your plan is poor. It is so poor that I'm not sure it would meet any fiduciary standards if someone challenged it. You might consider how much you want to rock the boat at work. Here is more information about what I mean. https://www.bogleheads.org/wiki/How_to_campaign_for_a_better_401(k)_plan I am...
by slowlrnr
Wed Aug 19, 2015 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: Suggestions for picking 401k funds from a bad plan
Replies: 34
Views: 1678

Re: Suggestions for picking 401k funds from a bad plan

HurdyGurdy wrote:Hi slowlrnr,
does your plan offer a https://www.bogleheads.org/wiki/Self_directed_brokerage_account ?


No it does not but let me see if they can provide that.
by slowlrnr
Wed Aug 19, 2015 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: Suggestions for picking 401k funds from a bad plan
Replies: 34
Views: 1678

Re: Suggestions for picking 401k funds from a bad plan

Does your wife's old 401K have a decent bond fund? You might add more bonds there since your target is 35% overall. I wouldn't bother holding positions that are less than 5% of your portfolio, such as the Small and Mid Caps in her old 401K and the International Investor's shares. Less than 5% is to...
by slowlrnr
Tue Aug 18, 2015 6:29 pm
Forum: Investing - Help with Personal Investments
Topic: Suggestions for picking 401k funds from a bad plan
Replies: 34
Views: 1678

Re: Suggestions for picking 401k funds from a bad plan

"Even in a bad 401(k), you should contribute up to the company match. Choose the lowest-cost funds; many bad 401(k)'s have a few lower-cost funds. If you are eligible, additional contributions should usually go into a Roth or Traditional IRA. But unless your 401(k) is very bad and you expect t...
by slowlrnr
Tue Aug 18, 2015 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: Suggestions for picking 401k funds from a bad plan
Replies: 34
Views: 1678

Re: Suggestions for picking 401k funds from a bad plan

BL wrote:Did you get the ERs from your 401k folks? It seems like there is a huge mark-up.


Yes I did :(
by slowlrnr
Tue Aug 18, 2015 5:57 pm
Forum: Investing - Help with Personal Investments
Topic: Suggestions for picking 401k funds from a bad plan
Replies: 34
Views: 1678

Re: Suggestions for picking 401k funds from a bad plan

Yes, 123, it is terrible. Recently 401k advisors changed the lineup saying assets are too less for them to make profit with cheaper funds and hence the new lineup. :annoyed I was leaning toward Invesco but then I'll have to find some way to put in bonds and don't know where. Also, I am out of my tol...
by slowlrnr
Tue Aug 18, 2015 5:30 pm
Forum: Investing - Help with Personal Investments
Topic: Suggestions for picking 401k funds from a bad plan
Replies: 34
Views: 1678

Suggestions for picking 401k funds from a bad plan

Emergency funds: 6 Months Debt: No Car loans or CC loans Mortgage - 3.00% interest - 525K loan amount left Tax Filing Status: Married filing Jointly Tax Rate: 28% Federal, 11.3% State State of Residence: CA His Age: 39 Her Age: 36 Desired Asset allocation: 38% US Stocks / 35% Bonds / 27% Intl Stocks...
by slowlrnr
Wed Jun 04, 2014 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: Return to India - 401k?
Replies: 16
Views: 1667

Re: Return to India - 401k?

I can maintain a credit union account in US without any costs involved but I am not so sure about the credit card - will need to figure that out. I would apply for a card which does not charge fees for international transcations (and has no yearly fee) and when you are in any other country, use it ...
by slowlrnr
Fri Dec 13, 2013 5:55 pm
Forum: Investing - Help with Personal Investments
Topic: Just inherited 30k. What do.
Replies: 19
Views: 1019

Re: Just inherited 30k. What do.

Loan is down to about $1300 and credit card around $500. I have a full time job and will be starting a family soon and it and to ensure they have a future. Starting - $30k Pay off 1800 - $28.2K left Roth IRA for 2013 in Vanguard Target Retirement Fund 2055 (for this call Vanguard and open the accou...
by slowlrnr
Fri Dec 13, 2013 5:40 pm
Forum: Investing - Help with Personal Investments
Topic: Rollover IRA
Replies: 7
Views: 407

Re: Rollover IRA

Yes seems like you nailed the procedure but - I think this might help you and you will have to be aggressive since you only have 15 days to do the conversion for this year. http://thefinancebuff.com/the-backdoor-roth-ira-a-complete-how-to.html http://www.bogleheads.org/wiki/Backdoor_Roth_IRA Read th...
by slowlrnr
Tue Dec 10, 2013 8:46 pm
Forum: Investing - Help with Personal Investments
Topic: AA checkup and a few questions
Replies: 4
Views: 331

Re: AA checkup and a few questions

If you have enough collected for your downpayment then I would do the following 1. 17.5k for his 401k 2. 17.5k for her 401k 3. 5.5k for his backdoor Roth assuming you are not eligible for direct contribution 4. 5.5k for her backdoor Roth you still have 16k left and if you have enough emergency fund ...
by slowlrnr
Mon Dec 09, 2013 8:38 pm
Forum: Investing - Help with Personal Investments
Topic: 31 year old investment advice
Replies: 3
Views: 807

Re: 31 year old investment advice

Emergency funds: 6 months Debt: 285K Mortgage on 415K Condo Tax Filing Status: Single Tax Rate: 28% Federal, 5% IL State of Residence: IL Age: 31 Desired Asset allocation: 95% stocks /5% bonds Desired International allocation: 20% of stocks Size: mid six figures Current retirement assets 401K at Fi...
by slowlrnr
Fri Dec 06, 2013 6:37 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie Starting a 401k - Seeking Opinions About Fund Choice
Replies: 3
Views: 1534

Re: Newbie Starting a 401k - Seeking Opinions About Fund Cho

Welcome to the forum of extensive financial knowledge, YOW. I would recommend to first start reading http://www.bogleheads.org/wiki/Getting_Started and to get meaningful and insightful responses from experts here would recommend to sit down with a paper and pencil and post your question in http://ww...
by slowlrnr
Fri Dec 06, 2013 6:20 pm
Forum: Investing - Help with Personal Investments
Topic: PIMCO Total Return (PTRAX) vs. Vantagepoint Bond Inx (VQCIX)
Replies: 6
Views: 626

Re: PIMCO Total Return (PTRAX) vs. Vantagepoint Bond Inx (VQ

Don't know much about VQCIX but it is an index fund and PTRAX is an actively managed fund. Why the comparison and why now? On this site there are proponents of index funds but seems like they are a little relaxed when it comes to Pimco (Bill Gross) and are sometimes okay with the higher ER. My conce...
by slowlrnr
Fri Dec 06, 2013 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Newbie Question on Roth Backdoor
Replies: 8
Views: 341

Re: Newbie Question on Roth Backdoor

Okay, I'm a little confused. My income each year makes me ineligible for the "regular" Roth contribution and I am maxing out all other tax advantaged options, but if an existing Roth is already open can I simply add to that each year without the intermediate step of adding to a tIRA then ...
by slowlrnr
Thu Dec 05, 2013 10:35 pm
Forum: Investing - Help with Personal Investments
Topic: Year End prep - Maximise contributions - Ibonds question
Replies: 7
Views: 635

Re: Year End prep - Maximise contributions - Ibonds question

Just remember: IBonds for qualified educational expenses are phased out at higher incomes. I don't know if that will be a problem for you or not. You learn something new everyday on this site. Thank you GoodEnYou. I tried to read http://www.treasurydirect.gov/forms/savpdp0051.pdf but did not get cl...
by slowlrnr
Thu Dec 05, 2013 10:22 pm
Forum: Investing - Theory, News & General
Topic: Poor PenFed Reviews
Replies: 78
Views: 9529

Re: Poor PenFed Reviews

Awesome Products and OK customer service but once set you don't need to talk to them a lot.
by slowlrnr
Thu Dec 05, 2013 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Pay student loans or car lease?
Replies: 10
Views: 615

Re: Pay student loans or car lease?

Shouldn't your question be as simple as "1. Honda Accord Loan - 14k at ?% 2. Student Loan - 62k at 6.55% Which one should I pay off?" I have no idea about student loans (tax advantages or delayed payoff or anything else) but I would attack the loan whichever has higher % although for ...
by slowlrnr
Thu Dec 05, 2013 5:57 pm
Forum: Investing - Help with Personal Investments
Topic: I am currently holding 22k VFIAX, what should I do with tha
Replies: 5
Views: 670

Re: I am currently holding 22k VFIAX, what should I do with

I am new to investment, and just purchased 10k of the 22 k without serious research. Keep it as is for at least one year (do your research during this time) and for future, if there is any transaction more than $9999, keep a cooling period of 30 days or something like that and do your research befo...
by slowlrnr
Thu Dec 05, 2013 5:47 pm
Forum: Personal Consumer Issues
Topic: Car seat for toddler
Replies: 26
Views: 1552

Re: Car seat for toddler

Tiz wrote:I love my Britax Boulevard carseats.


+1. Have three of them and they are like a rock in safety and very comfortable.
by slowlrnr
Wed Dec 04, 2013 6:22 pm
Forum: Investing - Help with Personal Investments
Topic: 401K rollover to Vanguard
Replies: 4
Views: 250

Re: 401K rollover to Vanguard

Hello experts, I'm getting ready to move an old 401K into Vanguard and was looking for some advise on selecting funds. I'll be bringing in ~27K. I also have another account (with Fidelity) worth ~54K with the following asset allocation: Domestic Stock 68% Foreign Stock 15% Bonds 3% Short Term 15% U...
by slowlrnr
Fri Nov 22, 2013 7:24 pm
Forum: Personal Consumer Issues
Topic: AT&T MVNO Suggestions
Replies: 27
Views: 2919

Re: AT&T MVNO Suggestions

When I ordered a SIM online from AirVoice there was no way to specify size, and I received a full-sized SIM instead of the micro-SIM I needed. I tried cutting it down to no avail. I contacted AirVoice and they sent me a micro-SIM for no charge. I'd advise contacting them by phone to order a micro-S...
by slowlrnr
Fri Nov 22, 2013 7:20 pm
Forum: Personal Consumer Issues
Topic: AT&T MVNO Suggestions
Replies: 27
Views: 2919

Re: AT&T MVNO Suggestions

On Airvoice $10/mo plan now for 3-4 months, very pleased so far. I have adjusted my usage slightly to avoid overage and stay at $10/mo price point. I have wifi at work, so using my Google Voice ph# with "Talkatone" (free) App for texting and voice calls while on Wifi. Most months i am end...
by slowlrnr
Fri Nov 22, 2013 5:47 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for suggestions for investment
Replies: 6
Views: 524

Re: Looking for suggestions for investment

Got it. Here you go: His Roth IRA 12% VTIVX Her Roth 8% VTIVX His Individual 401k 15% VTIVX His 401k at ML 2% PIMCO TOTAL RETURN PORT. INSTL 7% THORNBURG INTERNAT VAL CL I 16% VANGUARD INSTITUTIONAL INDEX Her 401k at JH 24% DFA US Target Value 12% DFA Intl Value 4% PIMCO Total Return I would recomm...
by slowlrnr
Fri Nov 22, 2013 5:39 pm
Forum: Personal Consumer Issues
Topic: AT&T MVNO Suggestions
Replies: 27
Views: 2919

Re: AT&T MVNO Suggestions

Just found out another cheaper option - Lyca Mobile - reviews are not that great but if anyone has any personal experience, please share. http://www.lycamobile.us/en/national-plans It is $16 for 250 MB, 250 minutes + text and includes international. I know it works on t-mobile but not sure if it wor...
by slowlrnr
Fri Nov 22, 2013 3:55 pm
Forum: Personal Consumer Issues
Topic: When to replace carpeting?
Replies: 24
Views: 2066

Re: When to replace carpeting?

+1 for considering hardwood (or laminate) flooring. We have laminate flooring since we bought the house 10 years ago and still looks great with regular cleaning with luke warm water.
Had carpet before that and never realized how much dust would hide inside.
by slowlrnr
Fri Nov 22, 2013 3:35 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for suggestions for investment
Replies: 6
Views: 524

Re: Looking for suggestions for investment

His Roth IRA at Vanguard Vanguard Target Retirement 2045 Fund (VTIVX) 100% Her Roth IRA at Vanguard Vanguard Target Retirement 2045 Fund (VTIVX) 100% His Individual 401k at Vanguard Vanguard Target Retirement 2045 Fund (VTIVX) 100% His 401k at Merrill Lynch 8.55% PIMCO TOTAL RETURN PORT. INSTL (0.4...
by slowlrnr
Fri Nov 22, 2013 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for suggestions for investment
Replies: 6
Views: 524

Re: Looking for suggestions for investment

His Roth IRA at Vanguard Vanguard Target Retirement 2045 Fund (VTIVX) 100% Her Roth IRA at Vanguard Vanguard Target Retirement 2045 Fund (VTIVX) 100% His Individual 401k at Vanguard Vanguard Target Retirement 2045 Fund (VTIVX) 100% His 401k at Merrill Lynch 8.55% PIMCO TOTAL RETURN PORT. INSTL (0.4...
by slowlrnr
Fri Nov 22, 2013 1:50 pm
Forum: Personal Consumer Issues
Topic: AT&T MVNO Suggestions
Replies: 27
Views: 2919

Re: AT&T MVNO Suggestions

slight correction, I didn't realize that the 4S sports both CDMA and GSM in the same model, and Ting is in iPhone4S bring your own BETA. So, you might be able to bring the 4S to Ting, but not to Republic or FreedomPop as they have their specific models. I haven't looked into the Ting Beta (I know i...
by slowlrnr
Fri Nov 22, 2013 1:22 pm
Forum: Personal Consumer Issues
Topic: AT&T MVNO Suggestions
Replies: 27
Views: 2919

Re: AT&T MVNO Suggestions

Ting, Republic Wireless, and FreedomPop are all Sprint MVNO's, so they wouldn't work with your iPhone. Republic and FreedomPop only sport their own customized phones. Also, if anyone considers FreedomPop, make sure you understand their business model. It is to collect personal information and sell ...
by slowlrnr
Fri Nov 22, 2013 12:58 pm
Forum: Personal Consumer Issues
Topic: AT&T MVNO Suggestions
Replies: 27
Views: 2919

Re: AT&T MVNO Suggestions

In this case take a look at page plus $12 plan (runs on Verizon 3G) for 250 min/text and 10mb where extra data is .10/MB. For 30MB the plan will cost $14/mo if you are ok with 250 min and 250 texts. That is an awesome suggestion. Thank you Mike. But for PagePlus, I'll have to unlock the phone and c...
by slowlrnr
Thu Nov 21, 2013 8:19 pm
Forum: Personal Consumer Issues
Topic: AT&T MVNO Suggestions
Replies: 27
Views: 2919

Re: AT&T MVNO Suggestions

I use AirVoice. The $30 plan includes unlimited talk and text and 100MB data, so it's only for the light data user (me). You can get 1Gb data for $40/mo. Like most AT&T MVNOs (Consumer Cellular, ATT Prepaid, etc.), AirVoice uses the AT&T prepaid network, so basically you don't get roaming -...
by slowlrnr
Thu Nov 21, 2013 7:26 pm
Forum: Personal Consumer Issues
Topic: AT&T MVNO Suggestions
Replies: 27
Views: 2919

Re: AT&T MVNO Suggestions

Straight Talk here for years,both spouse and myself have Android phones now,NO complaints. first 2.5gig is 3g after that 2g until then new month starts. I have never used 2.5gig. No complaints ,matter of fact really like the service,Verizon is the carrier for our phones :happy Thank you Toons. Good...
by slowlrnr
Thu Nov 21, 2013 6:09 pm
Forum: Personal Consumer Issues
Topic: AT&T MVNO Suggestions
Replies: 27
Views: 2919

Re: AT&T MVNO Suggestions

I suppose people will recommend what they use themselves. I have used Straight Talk for a little over a year with no complaints. I'm not a heavy user, so I don't push the alleged limits to their unlimited data usage (and by your usage, I suspect you won't either). I enrolled in the auto bill pay, a...
by slowlrnr
Thu Nov 21, 2013 2:52 pm
Forum: Personal Consumer Issues
Topic: AT&T MVNO Suggestions
Replies: 27
Views: 2919

AT&T MVNO Suggestions

My two year contract with AT&T is expiring and I have iPhone 4S right now and wanted to save on monthly charge (currently paying $60 per month for individual plan) Can you suggest a cheaper MVNO plan that I can switch to? Below is what I found for AT&T MVNO but if you have any other options,...
by slowlrnr
Tue Nov 12, 2013 1:58 pm
Forum: Investing - Theory, News & General
Topic: How many funds do you have in your portfolio?
Replies: 96
Views: 6485

Re: How many funds do you have in your portfolio?

12 :(

Aim is to reduce it to 8 but does not seem possible due to non-availabilty of good options is his / her 401k but will very soon will come with some questions when I am ready to simplify and have a plan of my own.
by slowlrnr
Thu Nov 07, 2013 8:55 pm
Forum: Investing - Help with Personal Investments
Topic: Roth conversion before getting married?
Replies: 23
Views: 972

Re: Roth conversion before getting married?

JW Nearly Retired wrote:If their fiancés had even thought to ask about such things I would have thought it way beyond any expectations on my part.

Way to go OP!


+1

and +1 to OP for thinking this through and enjoy!
by slowlrnr
Thu Nov 07, 2013 5:42 pm
Forum: Investing - Help with Personal Investments
Topic: How to handle multiple 401K's from previous employers?
Replies: 7
Views: 602

Re: How to handle multiple 401K's from previous employers?

Prudential 401K (hers... current employer): ~$10K Merrill Lynch 401K (hers... employer #1): ~$16K total... ~$14K vested (she doesn't want to or have any plans to return to this company... various funds similar in AA to my 401K) Vanguard 401K (hers... employer #2): ~$25K (87% target retirement fund ...
by slowlrnr
Thu Oct 10, 2013 5:14 pm
Forum: Investing - Help with Personal Investments
Topic: New job trouble achieving desired AA
Replies: 6
Views: 923

Re:

You should be warned ahead of time that achieving 40% of your stocks in international at low cost can be difficult in some circumstances. That won't be a problem for you at first, but it may develop as your 401k grows in relation to your Roth IRA. You may need to be happy with a little less during ...
by slowlrnr
Wed Oct 09, 2013 4:59 pm
Forum: Investing - Theory, News & General
Topic: Buying bond funds at 30
Replies: 17
Views: 1604

Re: Buying bond funds at 30

InvestorNewb wrote:In the current bond environment it's almost pointless. I bought a small bond position in November 2012 and it's down 6%.


Isn't it all the more reason to buy more?
by slowlrnr
Wed Oct 09, 2013 4:29 pm
Forum: Investing - Theory, News & General
Topic: Buying bond funds at 30
Replies: 17
Views: 1604

Re: Buying bond funds at 30

Congratulations on asking the right question at an early age. 1. Why did I buy bonds (even though I do not understand them) - to force me to sell high and buy low. 2. Let's say for simplicity you have 50% bonds and remaining 50% in stocks and remember you cannot time the market and nobody can. 3. Wh...
by slowlrnr
Tue Oct 08, 2013 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth IRA Conversion Options
Replies: 10
Views: 639

Re: Backdoor Roth IRA Conversion Options

A taxable Roth conversion goes on your 1040 line 15b (taxable IRA distribution). This increases AGI in the year of the conversion, which is why you'll end up paying ~7k in extra income tax if you make a 28k conversion. The increase in AGI will also affect many things that depend on AGI. After you c...
by slowlrnr
Mon Oct 07, 2013 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth IRA Conversion Options
Replies: 10
Views: 639

Re: Backdoor Roth IRA Conversion Options

The only way to only pay tax this year and have it all transferred to Roths is to pay tax on the whole $28k amount in the rollovers. You can take a look at IRS form 8606 to see how the basis calculations will work. JW Thank you JW. I will do that right away and thanks for that suggestion. Currently...
by slowlrnr
Mon Oct 07, 2013 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth IRA Conversion Options
Replies: 10
Views: 639

Re: Backdoor Roth IRA Conversion Options

You have 28K in existing TIRAs to convert. In 25% marginal tax bracket, that would be 7K in Federal Tax. There might also be additional state tax but your number is in the ballpark for 25% bracket. A way to think about the 2 alternatives is being eaten by a shark in one gulp or being nibbled to dea...

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