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Re: SEP to i401k transfer?

Spoke to TD Ameritrade and as stated above, they do no tax reporting. Does not sound like a very good option. So I am left either opening the solo 401k with Vanguard paying the (relatively significant) difference in cost for Investor vs. Admiral shares with no rollover option. Or opening at Fidelity...
by surlygent
Mon Mar 18, 2013 4:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: SEP to i401k transfer?
Replies: 9
Views: 567

Re: SEP to i401k transfer?

Thanks for the good advice. My situation is that I recently created an S-Corp for myself, and would like to take advantage of the employee/employer contributions and their potential tax advantages over my SEP. I will make enough yearly to max out either SEP or i401k, so that is not really the consid...
by surlygent
Wed Mar 13, 2013 4:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: SEP to i401k transfer?
Replies: 9
Views: 567

SEP to i401k transfer?

I currently have a SEP with Vanguard with all Admiral share mutual funds (total stock, small value, total bond). Unfortunately, Vanguard does not allow Admiral shares in their individual 401k plan and they also do not allow transfers/rollovers into their i401k. So, in the effort to consolidate and k...
by surlygent
Wed Mar 13, 2013 12:52 am
 
Forum: Investing - Help with Personal Investments
Topic: SEP to i401k transfer?
Replies: 9
Views: 567

Re: Getting off the sidelines

I had about the same amount of cash sitting sideline as well.

Decided to jump in with half last week and the other half over the rest of the year.

Simple three fund portfolio, with an added small cap tilt was the AA I decided on.
by surlygent
Wed Feb 13, 2013 4:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Getting off the sidelines
Replies: 13
Views: 1846

Re: Looking for slice an' dice portfolio feedback

I have been somewhat in a similar situation, read lots about slice-n-dice and the three fund portfolio and was going back and forth. I ended up here for simplicity: 20% VTI 20% VBR 20% VXUS 20% VSS 20% BND Decided against VWO as both VXUS and VSS have ~20% emerging markets. Decided against adding US...
by surlygent
Thu Feb 07, 2013 1:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Looking for slice an' dice portfolio feedback
Replies: 19
Views: 1656

Re: FINALLY decided on a portfolio.

No problem, If you don't need the money before retirement, I don't think it matters where you place your equities. My only point was that you might want to be more consistent between taxable and retirement with your equities in case you need the money before retirement. It would probably be easiest...
by surlygent
Tue Jan 29, 2013 7:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: FINALLY decided on a portfolio.
Replies: 5
Views: 568

Re: FINALLY decided on a portfolio.

Looks good to me as long as two things are true: 1) You're young and 2) You don't plan on needing any of the money in taxable in the next 15 years. You are 50/50 US/international, which I think is okay although most would recommend 20-40% of equities in International. Also, I would recommend switch...
by surlygent
Tue Jan 29, 2013 6:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: FINALLY decided on a portfolio.
Replies: 5
Views: 568

FINALLY decided on a portfolio.

Thanks to everyone on this site for all the amazing advice and help. After lots of back and forth, and assessing my actual risk desire and overall long term management of a portfolio I have settled on the following: 20% - VTSAX - Vanguard Total Stock Admiral (split btwn taxable and SEP IRA) 20% - VS...
by surlygent
Tue Jan 29, 2013 6:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: FINALLY decided on a portfolio.
Replies: 5
Views: 568

Re: International Allocation

Thanks all for the advice. Hearing everyones thoughts and looking more into the specifics of each holding, #2 seems to be the winner. I originally missed the fact that VSS also holds ~26% EM, so along with the ~24% in VXUS, I think I should be set with EM. And I do like the slight additional ease o...
by surlygent
Sun Jan 27, 2013 8:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: International Allocation
Replies: 13
Views: 1518

Re: International Allocation

Thanks all for the advice. Hearing everyones thoughts and looking more into the specifics of each holding, #2 seems to be the winner. I originally missed the fact that VSS also holds ~26% EM, so along with the ~24% in VXUS, I think I should be set with EM. And I do like the slight additional ease of...
by surlygent
Sun Jan 27, 2013 4:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: International Allocation
Replies: 13
Views: 1518

Re: Lump Sum

I am kind of in the same situation, and am just lump summing half of it and then the rest monthly over 6 months.

The market IS pretty hot right now, but I am not about to guess what its going to do, so figure now is as good a time as any to jump in.
by surlygent
Sun Jan 27, 2013 2:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Lump Sum
Replies: 6
Views: 670

Re: International Allocation

True VXUS does have ~25% em already. But looking long term, there is still a certain appeal in the potential with em... but not sure if its enough to add as its own allocation. The other thing though is that option 2 has more than double exposure to US stocks (according to Morningstar x-ray, althoug...
by surlygent
Sat Jan 26, 2013 10:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: International Allocation
Replies: 13
Views: 1518

International Allocation

I know this has been discussed in other threads (but they were older and VXUS has more history now), but... Assuming: - Intl. allocation held 100% in taxable account (38% tax bracket) - Intl. accounting for 45% of total AA - A desire to tilt small - Long-term buy/accumulate/hold (15+yrs) - All held ...
by surlygent
Sat Jan 26, 2013 5:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: International Allocation
Replies: 13
Views: 1518

Re: First Timer - Portfolio Plan Help

After talking to Sharebuilder more it seems they place your automatic ETF order as a market order mid-day on the day you have set-up for your auto investment. While I would set-up my purchases as a limit order and watch them the day I plan to purchase, I doubt in the long run that an automatic mid-d...
by surlygent
Fri Jan 25, 2013 10:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: First Timer - Portfolio Plan Help
Replies: 5
Views: 591

Re: Who here uses an online savings account?

I have been using ING Direct (now Capital One 360) for years. Have both and online checking and online savings account. Not as great an APY as it used to be currently at .75% but they have a very user friendly website and easy to set up transfers/trades/etc. Being self-employeed I sometimes end up w...
by surlygent
Fri Jan 25, 2013 3:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Who here uses an online savings account?
Replies: 19
Views: 1737

Re: First Timer - Portfolio Plan Help

I actually like your asset allocation and choice of funds, though I am a little concerned with the transaction costs in the sharebuilder account. Even $4 per investment adds up. I am a fan of zero transaction costs. fd It would be $12 total/month for the Sharebuilder account. Guess it comes down to...
by surlygent
Thu Jan 24, 2013 9:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: First Timer - Portfolio Plan Help
Replies: 5
Views: 591

First Timer - Portfolio Plan Help

Hello Bogleheads, Finally think I am ready to invest a sizable chunk of money (to me at least) that has been sitting in a online savings for a few year while I was off being irresponsible with my savings/retirement plans. Its time to get serious and jump in and this site has been invaluable with inf...
by surlygent
Thu Jan 24, 2013 5:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: First Timer - Portfolio Plan Help
Replies: 5
Views: 591

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