Bogleheads.org

Wow, either tired or bored...lol

Suppose there is no real up or downside to splitting them, suppose that's why I have it the way I do...

Feeling pretty sheepish now, but thanks for helping me clear that up in my mind.

Thanks

Brandon & Dave, Suppose I miss stated on the ER. I know it's built into the fund, but if I were to combine funds, wouldn't that lower my overall combined ER, ie on Brandon's example; Taxable TSM 5000 (.06 ER) TISM 5000 (.18 ER) ROTH TSM 5000 (.06 ER) TISM 5000 (.18 ER) VS. Taxable TISM 10,000 (....

Brandon, Thanks for the reply, Concerning the tax liability, being in the 15% tax bracket, I should have 0% LTCG. But doesn't the gain still add to your AGI, therefore adding to your tax liability? I am looking at my whole portfolio when considering this move, currently my whole portfolio percentage...

Sorry if this has been discussed in depth before, couldn't find much on the search funtion. I currently hold Total Stock Market and Total International in both Taxable and in my Roth IRA. I'm within my rebalancing bands, but started thinking if it was beneficial for me to just hold TISM in Taxable a...

EmergencyDoc, I just got done doing a HARP 2 refinance with Wells Fargo. I probably should have shopped around more, but oh well now. Not really a big fan of WF but it's who I had the loan through before. Not the greatest by any means, but met what I wanted. Went from 5.625% to 4.125% ,30 year. They...

Thought this was news worthy if folks haven't seen/heard about it yet; https://www.tsp.gov/whatsnew/plan/planNews.shtml#inplan "TSP examines in-plan conversion option — The President approved the American Taxpayer Relief Act of 2012, on January 2, 2013. This law allows the TSP and other qualifi...

Hello,

Quick question, for those who have or had taken a 401K Loan, would one consider this part of their bond asset percentage since you are paying yourself back at a fixed interest rate? Or just consider it a loan that it is and maintain the desired AA.

Thanks!

BBL & Kenyan, Thank You for your response. Sorry for the format being so difficult to read. Understand looking at our whole portfoilo as one, just was trying to concentrate on getting her's squared away and reset. I suppose it does make the most sense to not add complications to the portfolio an...

Hello, Seems I finally convinced my wife that by restructing her funds into Vanguard, we have the potential to be more effecient with her funds. Currently she holds all in USAA. I like USAA, just not their investment funds. Her current breakdown; Taxable; -USHYX USAA High Income (0.95) ~$730 -USAUX ...

Hello All, Always trying to educate my financial knowledge. Lately been looking forward to where I would like to be in retirement and been trying to educate myself on RMD's. I work for the federal governement and I have the TSP 401K and a ROTH IRA at Vanguard. Currently 35, manditory retirement at a...

Hello, I currently am looking to refinance my 5.625% Rental Property mortgage. Anyone have any succuss refinancing a rental property for a lower rate. Going on 9 years with the current mortgage at Wells Fargo. $103,000 on the loan, guestimate of $180,000 value (low estimate). Looking to increase my ...

All good points to ponder!!

DSI - You are correct, I looked at my taxes again, and do fall in the 15%. Just need to make sure I do the same next year

Hello All, With the ROTH TSP comming out soon, I've kept the option on the back burner, trying to decide if it is right for me. Just getting done with taxes, my wife (age 31) and I (age 34) are pretty squarely placed in the 25% tax bracket (AGI of 86k this year). Trying to look ahead to the future, ...

Excellent,

I was unaware of a wiki on the G fund, thanks for pointing me in the correct direction!

Good Morning All, Quick question; I am potentially thinking about working TIPS into my assest allocation, but was wondering with having the TSP G fund, should this fund offset the need to add TIPS? Should I even worry about TIPS until I get closer to retirement? Thanks! G Fund: "Fund Objective ...

Steve,

I'm currently in the 25% MFJ tax bracket. Are you saying at some point in higher tax brackets, you may not qualify for the FTC? And depending on 2013, the qualified dividends may not exsist. I'm trying to consolidate accounts instead of having same accounts in both ROTH and Taxable.

Thanks

Steve, Thanks for the quick response. Having VTIAX in taxable does take advantage of the foreign tax credit, but doesn't VTSMX have a 100% qualified dividends, where VTIAX may have less qualified dividends? I'm not a 100% on this, and not sure if it should really make a difference? Thoughts? Thanks

Giving the choice, would you hold total stock market index admiral or total international stock market index admiral in your taxable account. Why?

Appreciate the feedback!

Kevin, The capital gains is what makes me a but hesitant, it would be a bit over $5,000. My feeling is since the small cap is an index fund, it should be fairly tax efficient. I can't remember if it was in Bogleheads guide to investing, or retirement, but it mentioned that a small cap index was too ...

As I am working on my IPS, and about to rebalance to meet my AA, I am thinking about rearranging some of my funds. I hold TSM at about $42,000 in my ROTH, $5,500 Total stock market in ROTH, and $13,000 small cap index admiral in taxable. I'm considering moving my TSM into taxable, total internationa...

Hello, I need some imput, I currently own two international funds, Dodfx in a taxable account, and vgtsx in my Roth IRA. If I have read correctly, it is more tax efficient to hold international funds in taxable accounts. I'm thinking about moving my vgtsx out of the Roth and selling my Dodfx and ree...

Tom Thanks for the kick in the butt and reasoning. My wife pretty much said the same thing last night when I was talking with her. Sell now while we are in a lower marginal tax, re-open in ROTH (it will have time to grow), paydown heloc, etc, etc... time is on my side... Doing a quick look over our ...

Correct I have $13,539 in REIT's (Approx 7.17% of all investments, taxable and tax free/deferred) No state tax. Instead of reinvesting the dividends, should I just divert those into another fund? I could use cash to fund my 2011 ROTH, but just getting rid of American Century Ultra, that I got as a U...

Right now I just reinvest all dividends, and I'll have to look at last years taxes to see what my marginal tax rate is (off hand it's low, I'm pretty sure), don't remember off hand. That will change for 2010 taxes as I got married, but think over time I will start moving my REIT in to my Roth.

Not really sure why, Maybe cause they are up and I just converted it to Admiral. I have about $3,400 in unrealized capital gains, I have an American Century fund that has been way under performing, that I am in the process of selling, and that will either fund my 2011 ROTH contribution, with the rem...

Hello all,

I currently hold REIT's (adm) in a taxable account, and I know that I am better off having it in my ROTH IRA.

With only being able to contribute 5k in to my ROTH, I feel hesitant to sell and transfer my REIT account.

How would you handle this...

Appreciate the feedback.

Jason

How does one get up to 49K into a 401k (granted besides the obvious high salary income)

Got the 16,500 pretax.

Thanks

...but does your employer match count towards the $16,500?

I.E. I contribute 16,500, and still have my employer match the 6%. (I'm thinking yes).

I'm trying to find a way to get even closer to the match, with out living too frugal.

Thanks,

Jason

Hello, Seeking feed back on moving a chunk of money out of an interest bearing checking account and into a short term bond fund. Wife and I have some money sitting in a wells fargo checking account getting dismal interest. It is a joint account for our monthly mortgage account, which has about 6.5 m...

Wonder if I could split the difference, ie have 2 TSP accounts; Tax Deferred and Tax Free. Jason Yes, you may invest up to $16,500 in any combination of regular and Roth TSP contributions. For those 50 and over the same applies as you may invest in any combination of regular and Roth TSP contributi...

I also read somewhere, where it said converting your Regular TSP to the ROTH TSP was not possible. I'm kinda on the fence with it, I like having the option to lower my taxable income.

Wonder if I could split the difference, ie have 2 TSP accounts; Tax Deferred and Tax Free.

Jason

Figured as much, just wanted confirmation I suppose. Just looking to maybe do some re balancing.

So I assume when I do this in my ROTH, there will be no taxes since it's tax free.

Thanks,

Jason

I have always been a buy and hold investor; change my AA, I just buy more shares of a certain fund My question is, if I exchange money or shares from one taxable account to another, will I incur capital gains tax ( I think yes since I am essentially selling shares). Example: I exchange $1000 of my R...

Everyone, Thanks for the great discussion. I understand the benefits to investing in a 529, I understand if I was in a state with state income tax, I would get a tax break in that state. It basically boils down to finding a good performer, low er, no fees, and whether to put it in my name or hers. A...

Thank you for your response, I meant to add I am reading through the wiki of 529's, and the money that would be contributed to the 529 would be her money that she receives from birthday money and her Permanent Fund. My wife and I do max out our ROTH IRA. I try to put a good portion of money away in ...

Hello,

I'm trying to educate myself on 529 for my daughter. I am not too familiar with them. We currently live in Alaska, and don't have a real good understanding on how to pick and enroll into one.

Appreciate the info in advance!

Thanks!

Jason

Cestan,

Check out http://www.angelflightwest.org/ and give them a call. They may be able to help you out.

Best of Luck!!

Jason

Hello All, Need some info and help. My girlfriend has access to an employee simple IRA plan, with 3% of gross matching. I am unfamiliar with this type of IRA. She already has a ROTH IRA, and wonder what conflicts these may have. Can she contribute the maximum yearly amount to both, ie 5000 + 5000? T...

If I exchange shares of my TSM in my ROTH, for REIT funds and set it up as a ROTH as well, is the consider selling shares of my TSM? Same with if I were to exchange shares of my taxable REIT in to my money market, is that considered selling those shares?

Thanks,

retiredjg,

Sent you a PM, answered 2 of my questions; expense ratio & FTSE benchmark.

Sidney, My Total Stock Market Fund is in a ROTH IRA, and my REIT is in a taxable fund. Retiredjg, Been a pretty busy season up here in Alaska, but quiet so far down in the L48. Been doing the fire thing since I got out of high school, never really put to much thought in to how I allocated my money. ...

BMB, Thanks for the reply, when you refer to the Vanguard IT, is this the Intermediate-Term Bond Index (VBIIX). I have been contemplating assest allocation using 110 minus my age to start allocating equities and bonds ( ie 110-32 = 78, so holding 78% in equities and 22% in bonds), still a little on ...

Hello All, I've been off and on this forum for about 2 years now, mostly reading and taking in people’s perspectives. I’m interested in looking in to adding a Bond fund or two (One in addition as a ROTH and one as a general mutual fund). I’m pretty tolerant to risk, as most everyone was selling off ...