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Re: Deciphering company 401K matching rules

livesoft wrote:My experience being on a 401(k) committee tells me that the HR people won't know what the words in their own document mean.

Precisely why I asked here. I can't get a straight answer from HR.
by vv
Wed Jan 01, 2014 4:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Deciphering company 401K matching rules
Replies: 7
Views: 447

Deciphering company 401K matching rules

Hello all, I have seen a few threads here recently, Things to do in January? , where folks are increasing their 401k contribution amount (as much as is permitted by their plan) in an effort to reach the maximum 401k contribution amount (currently 17,500) early on in the year. My question is - Given ...
by vv
Sun Dec 29, 2013 4:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Deciphering company 401K matching rules
Replies: 7
Views: 447

Re: Beginner HSA questions

To answer my own question. (I just found our wiki entry for HSA) http://www.bogleheads.org/wiki/Health_Savings_Account

You are only eligible to contribute to an HSA if your only health insurance is a qualified high deductible health plan

I will have to find out if my health insurance is a HDHP.
by vv
Sun Oct 28, 2012 10:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Beginner HSA questions
Replies: 8
Views: 720

Beginner HSA questions

Hello all, There is a lot of information out there on HEALTH SAVINGS ACCOUNTS. But wanted some clarification on a few things. I currently have health insurance through my employer. But I see no mention of HSA availability in my benefits documentation... I am in my mid 30's and don't have Medicare. C...
by vv
Sun Oct 28, 2012 10:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Beginner HSA questions
Replies: 8
Views: 720

Converting Fidelity Investor shares to Advantage shares

Spartan International Index Fund - Investor Class ( FSIIX ) have a $10,000 Minimum Initial Investment. Spartan International Index Fund - Fidelity Advantage Class ( FSIVX ) have a $100,000 Minimum Initial Investment. They appear to be identical funds except the Advantage class carries lowers expense...
by vv
Thu Feb 02, 2012 1:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Converting Fidelity Investor shares to Advantage shares
Replies: 10
Views: 1017

Re: How to minimize taxes when selling stock?

I forgot to mention I am currently in the 33% tax bracket.
by vv
Thu Jan 26, 2012 1:04 am
 
Forum: Investing - Help with Personal Investments
Topic: How to minimize taxes when selling stock?
Replies: 5
Views: 408

How to minimize taxes when selling stock?

A few people here help me setup my index fund portfolio a number of years ago. Today I finally sold the last of my individual stocks for a substantial gain. I would have had to sell this year anyway since long term capital gains will go up in 2013. My question is, how could I minimize taxes if there...
by vv
Thu Jan 26, 2012 12:13 am
 
Forum: Investing - Help with Personal Investments
Topic: How to minimize taxes when selling stock?
Replies: 5
Views: 408

Re: Converting vs Exchanging Investor to Admiral shares

Aha. My transaction history showed it as an Exchange while it was still in Pending. I just checked it again now that it has gone through and is now listed as Conversion From

I suppose this means they are equivalent if one were to trust the verbiage.
by vv
Sat Jan 07, 2012 1:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Converting vs Exchanging Investor to Admiral shares
Replies: 4
Views: 375

Converting vs Exchanging Investor to Admiral shares

In the past I was able to convert Investor shares to Admiral shares by clicking on an almost hidden link titled " Convert to Admiral Shares " in the upper left hand corner of the Accounts & activity page on vanguard.com Now, I recently made my 2012 non-deductible IRA contribution follo...
by vv
Fri Jan 06, 2012 9:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Converting vs Exchanging Investor to Admiral shares
Replies: 4
Views: 375

Re: Vanguard International index fund without Emerging Mark

FSIIX tracks the MSCI EAFE and VGTSX tracks the MSCI ACWI? And that would make them different enough, correct?

So many symbols and acronyms in one sentence :|
by vv
Thu Jan 05, 2012 12:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard International index fund without Emerging Markets
Replies: 6
Views: 931

Re: Vanguard International index fund without Emerging Mark

It might not fit your tax strategy but might this be a good opportunity to consolidate your developed and emerging funds into a single total international fund, either Vanguard's or the new Fidelity Spartan Global ex U.S. Index Fund? I did consider that, although I would like to overweight Emerging...
by vv
Wed Jan 04, 2012 11:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard International index fund without Emerging Markets
Replies: 6
Views: 931

Vanguard International index fund without Emerging Markets

Hello fellow Bogleheads, I'm trying the find the Vanguard equivalent to Fidelity's Spartan International Index Fund. (an international index fund without emerging markets) I am thinking of tax loss harvesting Fidelity Spartan International Index Fund ( FSIIX ) which I currently hold at Fidelity If I...
by vv
Wed Jan 04, 2012 4:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard International index fund without Emerging Markets
Replies: 6
Views: 931

Re: No room for small cap value or REIT funds

Actually, we don't hold small-cap value or REIT funds because we don't have room in our tax-deferred accounts. Taylor, Is small cap value better suited in a tax-deferred account? I see that the Principles of Tax-Efficient Fund Placement wiki lists Small-cap or value index as Moderately Inefficient ...
by vv
Wed Oct 20, 2010 1:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio and Tax Minimization Strategies
Replies: 49
Views: 9055

retiredjg wrote:If you need help with that, just ask.


retiredjg never ceases to amaze me. A Paragon of Patience.
by vv
Wed Oct 20, 2010 12:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio and Tax Minimization Strategies
Replies: 49
Views: 9055

Stop using any cash and only use a credit card. For everything. Let the credit card company tell you what you spend your money on. What about the stuff the cc company tells you you spent your money on that you didn't? How do you reconcile if you don't keep your own account? Until something reliable...
by vv
Tue Sep 28, 2010 8:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best way to track spending and budget (ideally mobile)
Replies: 43
Views: 4195

I tend to track spending manually -- well, via an old version of MSMoney with no online connection -- but I was also using Mint, tho mainly to keep an eye on our investment accounts. However, I dumped it just this last weekend. I use an older version of Money as well. To get it working with online ...
by vv
Tue Sep 28, 2010 1:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Best way to track spending and budget (ideally mobile)
Replies: 43
Views: 4195

Stop using any cash and only use a credit card. For everything. Let the credit card company tell you what you spend your money on. I second this. The problem with cash is YOU have to maintain a record of what you spend money on and its very easy to get lazy and not write down the $0.69 you spent on...
by vv
Tue Sep 28, 2010 12:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Best way to track spending and budget (ideally mobile)
Replies: 43
Views: 4195

An update on my finances after all your help

Hello bogleheads, Well its been a month since I last posted here , and with your help I have accomplished a few things since then. I would like to thank retiredjg , House Blend , DSInvestor and indexfundfan for taking the time to share their knowledge, answer questions and help me out. And thanks to...
by vv
Fri Aug 20, 2010 1:13 am
 
Forum: Investing - Help with Personal Investments
Topic: An update on my finances after all your help
Replies: 2
Views: 715

Assuming TIRA value is $6000 and cost basis is $8000, convert only $5999 to Roth and leave $1 behind in TIRA. The TIRA would now have a value of $1 but cost basis of $2001. This can be used to offset future gains if you have a gain / make additional tax deductible contributions to the TIRA. Hello i...
by vv
Tue Jul 27, 2010 7:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Must I pay taxes on this TIRA to Roth conversion?
Replies: 34
Views: 2706

Hello DSInvestor, What Traditional type IRAs do you have? It sounds like you have something like this. Traditional IRA: $6,000 SEP-IRA: $0 SIMPLE-IRA: $0 Rollover-IRA: $0 Total IRA: $6,000 IRA Basis: $8,000 If this is what your IRA picture looks like, there would be no tax cost to convert the $6000 ...
by vv
Tue Jul 27, 2010 7:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Must I pay taxes on this TIRA to Roth conversion?
Replies: 34
Views: 2706

Does the order of operations make a difference at all? (taxes implications or otherwise?) I can't see how it would make a difference, assuming this is the only IRA (other than Roth) that you have. There is a paperwork consideration, though. Conversions, as opposed to contributions, have a 5 year wa...
by vv
Tue Jul 27, 2010 7:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Must I pay taxes on this TIRA to Roth conversion?
Replies: 34
Views: 2706

Re: Must I pay taxes on this TIRA to Roth conversion?

Hello Ted, If the $8000 now $6000 is from a 401k, then the funds are in fact considered "deductible". That means you did NOT pay taxes on that income when it went into the 401k. Correct me if I'm wrong. Sorry for the confusion. It is not from a 401k. I only mentioned the 401k, my AGI and f...
by vv
Tue Jul 27, 2010 7:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Must I pay taxes on this TIRA to Roth conversion?
Replies: 34
Views: 2706

Must I pay taxes on this TIRA to Roth conversion?

Hello everyone, I am slightly confused about the tax implications on my upcoming conversion. My IRA accounts, TIRA and Roth, are in the process of being moved to Vanguard. I want to do a TIRA to Roth "backdoor" conversion when the funds arrive at Vanguard (I estimate another week or two) I...
by vv
Tue Jul 27, 2010 1:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Must I pay taxes on this TIRA to Roth conversion?
Replies: 34
Views: 2706

Re: How best to get Roth IRA from ML to Vanguard

I recently started this process myself. If you call Vanguard they will help you with the move. If they have questions they will call ML with you on the line. They will need to know how your holdings get liquidated Before you call, make sure you: 1. Have statements with account numbers from your ML I...
by vv
Thu Jul 15, 2010 2:50 am
 
Forum: Investing - Help with Personal Investments
Topic: How best to get Roth IRA from ML to Vanguard
Replies: 7
Views: 1208

IRA accounts with a $0 balance

I am in the process of moving a TIRA and Roth IRA from my old custodian to Vanguard. I understand that starting in 2010 one can covert a TIRA to a Roth without the income limit restrictions. I would like to exercise this by making lump-sum max contributions every year to the non-deductible TIRA and ...
by vv
Thu Jul 15, 2010 2:35 am
 
Forum: Investing - Help with Personal Investments
Topic: IRA accounts with a $0 balance
Replies: 4
Views: 943

Your 401k vs Roth 401k opinions

Greetings, I am trying to find more information on the pros and cons of a 401k vs a Roth 401k. I have read a couple of things including The Case Against Roth 401(k) , I have attempted to search the forum archives but I get many false positives since the words Roth and 401k are often quoted in the sa...
by vv
Wed Jul 14, 2010 12:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Your 401k vs Roth 401k opinions
Replies: 13
Views: 1935

Ok. Here's an idea based on your values of 7/2/10 (via personal message) Taxable 62.3% 33.8% Total Stock Market VG or FIDO or both 18% Spartan International Index Fund (FSIIX)(0.20%) 6% Emerging Markets Index Fund VEIEX .39% (small purchase fee) 3.5% Spartan Extended Market Index Fund (FSEMX (0.10%...
by vv
Wed Jul 14, 2010 12:34 am
 
Forum: Investing - Help with Personal Investments
Topic: noobie with a decent chunk of money needs advice
Replies: 28
Views: 4764

One rule of thumb we often see is: -for money needed in less than 5 years, use money market, high yield savings, CDs, etc. These are things that do not lose value. -for money needed in 5 to 10 years, bring in some bonds (to the above) -for money needed in greater than 10 years, bring in some stocks...
by vv
Tue Jul 13, 2010 1:43 am
 
Forum: Investing - Help with Personal Investments
Topic: noobie with a decent chunk of money needs advice
Replies: 28
Views: 4764

I am looking to achieve 80/20/30 Please translate since this does not add up to 100. Does this mean 80% stock, 20% bonds, where 30% of the stocks are international? Yes, I mean 80% stock, 20% bonds where 30% of the stocks are international. you can see that the international does not have to be in ...
by vv
Mon Jul 12, 2010 1:39 am
 
Forum: Investing - Help with Personal Investments
Topic: noobie with a decent chunk of money needs advice
Replies: 28
Views: 4764

Avo has said what I didn't have the courage to say. You need a plan, and it sounds like you don't have one. I can understand your reluctance to say "Unpleasent Words". Sometimes people need to hear and do things they don't like because its for their own good, and so I take no offense. Ple...
by vv
Sun Jul 11, 2010 8:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: noobie with a decent chunk of money needs advice
Replies: 28
Views: 4764

VV, With $10K in a trad IRA, the tax on conversion would be $2800+state. Your mileage may vary, but to me that's in the neighborhood of Real Money. So on second thought, if you can't roll that trad IRA into your 401k, I'd be inclined to leave it where it is and do the non-deductible IRA contributio...
by vv
Sun Jul 11, 2010 8:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: noobie with a decent chunk of money needs advice
Replies: 28
Views: 4764

As mentioned above, you need to decide now if this money is going to retirement or to a bigger house or to the second mortgage. For the purposes of discussion, these things have to be kept separate as they have different time horizons and should be invested differently. In practice, you can throw i...
by vv
Sun Jul 11, 2010 7:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: noobie with a decent chunk of money needs advice
Replies: 28
Views: 4764

retiredjg, Thank you for taking the time to respond to me and for your insightful comments. I DO have a plan, albeit not perfect and failed to post it here for others to see. For that I apologize. Allow me to respond to your comments. As an aside - I hope you don't misinterpret my questions as chall...
by vv
Sun Jul 11, 2010 7:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: noobie with a decent chunk of money needs advice
Replies: 28
Views: 4764

Hello folks, Does anyone have any more input before I pull the trigger? Some of my questions went unanswered and I'm starting to wonder if my forum netiquette was inappropriate (improper portfolio formatting, etc) I tried being as thorough as possible, and I hope my questions were not to long-winded...
by vv
Thu Jul 08, 2010 6:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: noobie with a decent chunk of money needs advice
Replies: 28
Views: 4764

Hi House Blend, Thanks for the response. 2. Move your IRAs to Vanguard and put them in a boring and cheap bond fund. (Or maybe VNQ/VGSIX if your AA calls for REIT.) Are there any bond fund that you have in mind that I should research? I will look in to VNQ/VGSIX and start reading more about bonds in...
by vv
Wed Jul 07, 2010 7:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: noobie with a decent chunk of money needs advice
Replies: 28
Views: 4764

noobie with a decent chunk of money needs advice

Hello all! I've been lurking here for a few months and have been reading The Bogleheads' Guide to Investing and the Bogleheads' Guide to Retirement and I'm ready to put a plan into action but I need some words of wisdom from all you clueful folk. I have sold off some individual stocks and now have $...
by vv
Wed Jul 07, 2010 3:20 am
 
Forum: Investing - Help with Personal Investments
Topic: noobie with a decent chunk of money needs advice
Replies: 28
Views: 4764

Thank you for the information. I am in the 28% tax bracket. So my capital gains tax rate is 15% So I believe it may make sense to sell my losing stock today, wait 31 days to avoid a wash sale, and then repurchase it. I do believe will still be at or below this price. Does this strategy seem sound? I...
by vv
Fri Jul 02, 2010 9:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Simple Tax Loss Harvesting question
Replies: 9
Views: 968

Simple Tax Loss Harvesting question

Hello all, Please excuse the novice question... I have read the wiki entry on Tax Loss Harvesting. But I am still a little unclear on how it works. For example - I have an investment "stock A" that I've held for 3 years. My cost basis was was $60,000. In the 3 years I've had it, it has dou...
by vv
Fri Jul 02, 2010 1:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Simple Tax Loss Harvesting question
Replies: 9
Views: 968

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