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Re: Portfolio Tune-Up: Please Help!

Thanks BBL for your comments!

Anyone else out there with additional thoughts?
by taico
Sun Mar 24, 2013 2:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Tune-Up: Please Help!
Replies: 2
Views: 326

Portfolio Tune-Up: Please Help!

Dear Bogleheads, Thanks to everyone's help on the board, it took some time to finally get to a point that I am now diversified in a simple manner with investments and custodian risk. However due to recent job loss, I have rolled over my 401K and needed a portfolio review. At this time, I would like ...
by taico
Sun Mar 24, 2013 7:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Tune-Up: Please Help!
Replies: 2
Views: 326

Re: How Do I Convert Rollover IRA and Do Backdoor Roth?

Thank you everyone! Great feedback as always. I guess I shouldn't be rushing into this. I'll most likely now wait until the end of the year to evaluate my income situation and proceed from there. It's ironic that you guys are much more in tune with my accountant. He has to do more "research&quo...
by taico
Thu Mar 14, 2013 5:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: How Do I Convert Rollover IRA and Do Backdoor Roth?
Replies: 7
Views: 646

How Do I Convert Rollover IRA and Do Backdoor Roth?

Hello Everyone, In my recent posting regarding my IRA situation, I have decided to convert all of my Rollover IRA this year since I believe this may be the only period my income tax rates will be temporarily lower due to recent job lost. However, I would also like to utilize backdoor Roth this year ...
by taico
Thu Mar 14, 2013 3:20 am
 
Forum: Personal Finance (Not Investing)
Topic: How Do I Convert Rollover IRA and Do Backdoor Roth?
Replies: 7
Views: 646

Re: Rollover 401K to Vanguard and Still Confused...

Thank You Alan S. for the input. I'm also leaning toward option 2 and will evaluate it again option 3. Another option is the convert the entire Rollover IRA into Roth now, but the tax hit will be significant. However, maybe it'll make sense to do it this year since I anticipate my income will be low...
by taico
Wed Mar 13, 2013 2:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rollover 401K to Vanguard and Still Confused...
Replies: 2
Views: 344

Rollover 401K to Vanguard and Still Confused...

Hello Fellow Bogleheads, I would like to get your feedback on an IRA dilemma I have. At the beginning of 2013, I rolled over my entire 401K to Vanguard. It was a nontaxable event. So now I am down to only two retirement accounts at Vanguard, one Rollover IRA and another Roth IRA. Normally when I jus...
by taico
Tue Mar 12, 2013 6:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rollover 401K to Vanguard and Still Confused...
Replies: 2
Views: 344

Account Segregation

Dear Fellow Bogleheads, I understand there are advantages to account consolidation, which many of you have done to simply your financial life. However, there are also people who doesn't want to put all eggs in one basket. A lot of time there's no choice since employer 401k plans and administration f...
by taico
Sat Oct 27, 2012 2:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Account Segregation
Replies: 5
Views: 736

Re: Dilemma - High Taxable Balance and Mortgage

Thanks grabiner and gmcmahon. Unfortunately, the taxable account is currently sitting in cash, which is a good argument that paying off the mortgage at 5.35% guarantee rate as suggested. On the other hand, my instinct is telling that I'll regret it to be "house rich and cash poor." Another...
by taico
Fri Feb 10, 2012 8:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dilemma - High Taxable Balance and Mortgage
Replies: 14
Views: 993

Dilemma - High Taxable Balance and Mortgage

Dear Fellow Bogeleheads, I have a dilemma and reached a point where I can pay off my mortgage or continue investing. I understand there are arguements to both sides to whether payoff the loan for more intrinic reasons. However, I searched some threads and did not find something that is applicable to...
by taico
Thu Feb 09, 2012 2:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dilemma - High Taxable Balance and Mortgage
Replies: 14
Views: 993

Thanks Everyone!

CSR from TD Direct got back and confirmed that for revocable trusts, there's no need to put the trust name in the registration. There's a variety of abbrev. and formatting. However, the official registration they prefer is:

John Doe Trustee U/D/T dated xxx.
by taico
Fri Apr 22, 2011 2:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Treasury Direct Savings Bonds - Registration
Replies: 7
Views: 1306

Treasury Direct Savings Bonds - Registration

Hi, I would like to inquire how do you correctly name the registration of savings bonds at Treasury Direct in the name of a revocable trust. I read the instructions online and it seems to omit the trust name rather just including the grantor/trustee name only. I would like to hear from fellow experi...
by taico
Thu Apr 21, 2011 4:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Treasury Direct Savings Bonds - Registration
Replies: 0
Views: 306

Treasury Direct Savings Bonds - Registration

Hi, I would like to inquire how do you correctly name the registration of savings bonds at Treasury Direct in the name of a revocable trust. I read the instructions online and it seems to omit the trust name rather just including the grantor/trustee name only. I would like to hear from fellow experi...
by taico
Thu Apr 21, 2011 4:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Treasury Direct Savings Bonds - Registration
Replies: 7
Views: 1306

Please Help! Windfall threw off AA.

Dear Bogleheads: I've been an avid reader for awhile and wanted to tap into Bogleheads thoughts as to how I should reallocate for the new year. The issue I have is that my asset allocation was off now due to a windfall. However, one of my main accomplishment this year was to move all my retirement a...
by taico
Wed Dec 08, 2010 2:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please Help! Windfall threw off AA.
Replies: 2
Views: 741

Many thanks everyone! At this time, I have decided to hold bond mutual funds since they have relatively low cost and for simplicity sake. After reshuffling my portfolio quite a bit lately, it is now more 86/14 stock bonds mix. I'm in the early years during accumulation phase (early 30s) and this por...
by taico
Thu Jun 11, 2009 12:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Fixed Income Allocation: Total Bonds / Treasuries Debate
Replies: 6
Views: 1945

Fixed Income Allocation: Total Bonds / Treasuries Debate

Hello Bogleheads, I am really having trouble deciding if I should go with Total U.S. aggregate bonds vs. Treasuries. I'm with Fidelity so my options are limited to the following: Fidelity U.S. Bond Index Fund (FBIDX) Spartan Intermediate Treasury Bond Index Fund - Investor Class (FIBIX) Spartan Shor...
by taico
Tue Jun 09, 2009 9:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fixed Income Allocation: Total Bonds / Treasuries Debate
Replies: 6
Views: 1945

Thanks conundrum and livesoft!
by taico
Wed Jun 03, 2009 12:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Assistance: Essential Asset Class Diversification
Replies: 24
Views: 3491

Hi livesoft: Based on this allocation, the ratios would be: Equity side VTI - 28% VBR - 28% VEU - 28% VSS - 16% Slices US : Foriegn - 56/44 US Large : Small - 50/50 Foreign Large : Small - 64/36 If this is your ultimate mix, is there a reason to not just hold equal weights for all? Going 90/10 seems...
by taico
Tue Jun 02, 2009 6:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Assistance: Essential Asset Class Diversification
Replies: 24
Views: 3491

Hi livesoft: Thanks for your input! To your questions: My age is 30 and I am in temporary in the 25% range for this coming year. Since, I just brought a house and going back to school. I get to write those off for at least another year. Thereafter, it'll go back to the upper bracket. Does the above ...
by taico
Tue Jun 02, 2009 5:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Assistance: Essential Asset Class Diversification
Replies: 24
Views: 3491

Revised Allocation - PLEASE ADVICE

Hello everyone, After countless researching and readings, I have settled on the following portfolio. Like others have mentioned, the wealth knowlege on this forum is incredible! I took the middle of the road for my bond allocation (100+110) minus age times 2 divide 2. This gives me an average bond a...
by taico
Tue Jun 02, 2009 4:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Assistance: Essential Asset Class Diversification
Replies: 24
Views: 3491

reply

Thanks! The link is very helpful...
by taico
Fri May 29, 2009 2:01 am
 
Forum: Investing - Help with Personal Investments
Topic: FTSE All-World Small-Cap Proper Market Allocation
Replies: 2
Views: 1081

FTSE All-World Small-Cap Proper Market Allocation

Greetings, Thanks to everyone on this forum, I'm currently simplifying my portfolio. Starting with the equity side first...A question that came across while I was researching is how would one use VEU and VSS ETFs to complete the FTSE All-World ex-US international holding? I am looking into holding j...
by taico
Thu May 28, 2009 6:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: FTSE All-World Small-Cap Proper Market Allocation
Replies: 2
Views: 1081

Reply

I appreciate everyone's insightful and candid feedbacks! I really haven't pay much attention to taxes because they are smaller accounts due to my income restriction. And I've been focus on liquidity. However, I will definitely do the recommended readings. Then perhaps adjust my holdings for optimum ...
by taico
Mon May 25, 2009 2:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Assistance: Essential Asset Class Diversification
Replies: 24
Views: 3491

Reply

First of all thanks for all the response! I added the account types after each holdings as suggested. As you can see, most of my holdings are in the taxable account. Even though I maxed out my 401k and Roth contributions in my early years, I've been since phased out due to income and "safe harb...
by taico
Sun May 24, 2009 2:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Assistance: Essential Asset Class Diversification
Replies: 24
Views: 3491

Portfolio Assistance: Essential Asset Class Diversification

Hello everyone! Quick intro of myself since this is my first post. I'm a fortunate survivor of the recent down turn about a year and half ago. Back then, I had a portfolio of about 35+ ETFs/funds where I am constantly shifting though different tilts, themes, and asset classes in search for alpha gen...
by taico
Sat May 23, 2009 3:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Assistance: Essential Asset Class Diversification
Replies: 24
Views: 3491

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