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Re: Funding my Roth Ira for 2014 and more

placeholder wrote:Few custodians are allowed to provide Vanguard Index funds in Admiral class and the Schwab page for that says "Institutional customers only":
http://www.schwab.wallst.com/Prospect/Research/mutualfunds/fees.asp?symbol=VTIAX


Thanks for posting this!

Greg
by zup28w
Wed Apr 23, 2014 4:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Funding my Roth Ira for 2014 and more
Replies: 4
Views: 428

Re: Newbie considering Vanguard Target fund

Thanks zup28w for the reply! I guess the "lets me manage" is the risk Target funds remove. If that is your biggest concern, then a Target Date Fund is a great choice. You say that you are "almost" to 3 fund portfolio. Isn't it so much easier to just buy 1 fund then balance 3 in ...
by zup28w
Wed Apr 23, 2014 4:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie considering Vanguard Target fund
Replies: 6
Views: 997

Re: Funding my Roth Ira for 2014 and more

Hi Deikel, Thanks for the responses. Regarding item 2 - I have VGTSX sitting in my Roth along with taxable accounts from Schwab and Vanguard. I couldn't put everything into the IRA when I first opened it. As far as I know, the admiral shares are also available from Schwab, but I've never tried it. R...
by zup28w
Wed Apr 23, 2014 4:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Funding my Roth Ira for 2014 and more
Replies: 4
Views: 428

Re: Newbie considering Vanguard Target fund

Hi Docnews, I'm by no means an financial expert, but thought I'd share with you my thoughts. I'm 34 and switched over to a Boglehead strategy in 2012. My wife had a bunch of bad investments when I first met her; the broker was making more money than she was. We withdrew all her money and began fundi...
by zup28w
Tue Apr 22, 2014 11:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie considering Vanguard Target fund
Replies: 6
Views: 997

Funding my Roth Ira for 2014 and more

Hi all, I'm back with a few questions for 2014. My wife and I just received back our Tax Refund and our plan is to Max out our Roth Iras for 2014. I do have a few questions as the best way to do this. Me: 34 years old, switched to an boglehead approach in 2012. I have an old taxable account with Sch...
by zup28w
Tue Apr 22, 2014 2:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Funding my Roth Ira for 2014 and more
Replies: 4
Views: 428

Re: Want to max out 2013 IRA contra., but will change my AA

Hi Sarah, Thanks for the response. I prefer to have all 3 funds in my 401K since I automatically invest there. I'm trying to remember how I ended up with the different allocations in the different areas. Either way, it's a good idea to re-evaluate (hopefully I'm a little smarter and more savvy than ...
by zup28w
Fri May 03, 2013 12:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Want to max out 2013 IRA contra., but will change my AA
Replies: 6
Views: 592

Re: Want to max out 2013 IRA contra., but will change my AA

Hi telemark,

Great idea about the Admiral funds. I'm not there yet but will look into that in the future.

- G
by zup28w
Thu May 02, 2013 11:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Want to max out 2013 IRA contra., but will change my AA
Replies: 6
Views: 592

Want to max out 2013 IRA contra., but will change my AA

Hi everyone, I found this website April 2012 and have since followed the Jack Bogle investing methodology. I do have a question and was hoping someone could provide some insight. I'm 33 and for the last 2 years, I've been trying to max out my Roth IRA contributions along with my automatic 401K contr...
by zup28w
Thu May 02, 2013 6:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Want to max out 2013 IRA contra., but will change my AA
Replies: 6
Views: 592

Re: Chase credit card policy change - no joint credit cards

Why wouldn't you just open a CSP for yourself and get the sign-up bonus points? If you don't want the card, downgrade it to the CS so you don't have to eat a 2nd annual fee. Hi WHL, I know I could sign up for a CSP, but I'm not the type to constantly open and close new credit cards. A couple years ...
by zup28w
Sun Apr 28, 2013 11:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Chase credit card policy change - no joint credit cards
Replies: 8
Views: 2232

Chase credit card policy change - no joint credit cards

Hi all, I guess this is more of an informational post. I just found out that in February 2013, Chase changed it credit card policies to no longer allow joint credit cards. You can add an authorized user but that's it. If you already have a joint account, you're grandfathered in. While there are pros...
by zup28w
Thu Apr 25, 2013 9:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Chase credit card policy change - no joint credit cards
Replies: 8
Views: 2232

Re: Pay off student loans or invest for retirement

Hi Zebrafish, Thanks for the reply. I think the game plan works with your suggestion. We'll be bringing down her debt and funding retirement within the Roth (we won't be above the annual limit). I know the market can be volatile, but I think over the long run we'll be ok. If she only invested the ex...
by zup28w
Thu Dec 27, 2012 5:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay off student loans or invest for retirement
Replies: 6
Views: 668

Re: Pay off student loans or invest for retirement

Thanks for the feedback everyone! @TheWizard - We do have additional money set aside in a "high yield" savings account along with a separate emergency fund so we should be ok for any unexpected expenses. @Dandy - I agree on funding the Roth. When we opened it up, we maxed out 2011 and 2012...
by zup28w
Thu Dec 27, 2012 4:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay off student loans or invest for retirement
Replies: 6
Views: 668

Pay off student loans or invest for retirement

Good afternoon everyone, First off, I hope you are all having a safe and happy holidays. Now... on to the post... Recently married (Nov 17, 2012) and my wife and I are doing all the fun post-marriage stuff: joint bank accounts, credit cards, car insurance, etc. She's 32, I'm 33. Now that we're no lo...
by zup28w
Thu Dec 27, 2012 1:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay off student loans or invest for retirement
Replies: 6
Views: 668

Re: Feedback for younger invester

The bond fund choices in your 401k are particularly ugly. You might ask them to add either a bond index fund or PIMCO Total Return. Maybe you'll get lucky! Apparently I got lucky. In fact, I got really lucky. I just heard from our 401k representative. They couldn't add PIMPCO Total Return, but they...
by zup28w
Tue Apr 17, 2012 12:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Feedback for younger invester
Replies: 44
Views: 2380

Re: Feedback for younger invester

RetiredJG and Kevin,

Thank you once again for your feedback and advice. I feel very fortunate to have fund this board. It's an amazing resource to learn from.

- G
by zup28w
Tue Apr 10, 2012 11:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Feedback for younger invester
Replies: 44
Views: 2380

Re: Feedback for younger invester

Taxable 21% 16% <----sorry, I should have asked what this 16% is The 16% is comprised of : 65% Ishares Trust S&P (IVV) .09% ER 10% Vanguard Total Stock Mrkt (VTI) .07% ER 25% Vanguard Total Intl Stock Market Index (VGTSX) .22% ER or if you include the cash, the Taxable Account is 21% of the tot...
by zup28w
Mon Apr 09, 2012 8:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Feedback for younger invester
Replies: 44
Views: 2380

Re: Feedback for younger invester

The EuroPacific fund in the 401k really is not that bad for international. Have you looked at a 5-year growth chart comparing it with VGTSX (I think I recommended that above)? Do you see enough of a difference to matter? Although the past isn't necessarily predictive of the future, when a fund trac...
by zup28w
Mon Apr 09, 2012 7:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Feedback for younger invester
Replies: 44
Views: 2380

Re: Feedback for younger invester

Where is the cash? In the taxable account? Yes, the cash is in the taxable account after selling the non-tax friendly funds. I'd use part of the sale and my tax to pay off the debt and fund the ER. Do these numbers represent the amounts after putting $5k into the Roth IRA for 2012? Yes, that includ...
by zup28w
Mon Apr 09, 2012 7:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Feedback for younger invester
Replies: 44
Views: 2380

Re: Feedback for younger invester

We need to know the relative size of each account after you do all the things you are going to do. For example, after you sell stuff in taxable, some of that money is going to the debt and to Roth IRA I think. Maybe some would also go to your emergency fund? After you do all that, what percentage o...
by zup28w
Mon Apr 09, 2012 6:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Feedback for younger invester
Replies: 44
Views: 2380

Re: Feedback for younger invester

Hi all, There is soo much good information in the responses. Unfortunately, I've confused the heck out of myself trying to interpret everything. There were different suggestions on specific allocations and that's what is throwing me off. Here's where I'm at. Aiming for a 3 fund portfolio: Stocks/Bon...
by zup28w
Mon Apr 09, 2012 3:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Feedback for younger invester
Replies: 44
Views: 2380

Re: Feedback for younger invester

If you go waaaay back up to my first post, you'll see that retiredjg has now come down to a recommendation that is very similar to mine. Also similar to others. Maybe we're on to something. :!: Yes, I never disregarded what you wrote. The whole thread has been very informative to me. Everyone's inp...
by zup28w
Fri Apr 06, 2012 9:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Feedback for younger invester
Replies: 44
Views: 2380

Re: Feedback for younger invester

Hi retiredjg, So let's see....You've got 28% of your money just sitting around in a taxable account with no particular purpose in mind. The reason it's not in an retirement account is that I know 401k or Roth Ira funds can't be withdrawn without penalty (I believe there are some hardship rules) and ...
by zup28w
Fri Apr 06, 2012 9:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Feedback for younger invester
Replies: 44
Views: 2380

Re: Feedback for younger invester

Stoutboy wrote:That Schwab .90 ER seems high to me. You could get the same at Vanguard for .19 Over time, that will mean tens of thousands more in your account.


Ahhh ok... good point.

- G
by zup28w
Thu Apr 05, 2012 3:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Feedback for younger invester
Replies: 44
Views: 2380

Re: Feedback for younger invester

@ retiredjg, Thanks for the feedback. Answers to your latest comments are now in blue. I understand your 3 fund suggestion and how total market funds essentially do the rebalancing for me and offer the same diversity of funds. The taxable account recommendations make sense to limit short term gains ...
by zup28w
Thu Apr 05, 2012 2:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Feedback for younger invester
Replies: 44
Views: 2380

Re: Feedback for younger invester

retiredjg wrote:Once you answer the questions above, it will be easy to make a portfolio suggestion for you.


Added my comments to the original post in Italics. Thanks for your time.

G
by zup28w
Wed Apr 04, 2012 11:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Feedback for younger invester
Replies: 44
Views: 2380

Re: Feedback for younger invester

Hi EricFox11, Hoppy08520, Kevin M, and Campy2010, Thank you all for responding. I read the wiki articles and I'm in the process of absorbing everything which was written. It makes sense... I have a better understanding on some of your comments. I need some more time to make sure I understand everyth...
by zup28w
Wed Apr 04, 2012 12:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Feedback for younger invester
Replies: 44
Views: 2380

Re: Feedback for younger invester

Hi Guys,

Thanks for the feedback. I'm going to check out some of the recommended threads/links and afterwards will respond in more detail.

Regards,
Greg
by zup28w
Tue Apr 03, 2012 8:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Feedback for younger invester
Replies: 44
Views: 2380

Feedback for younger invester

Hello everyone, Like many others on here, I’m seeking advice on how to best plan my portfolio. This will be my 2nd post. Really enjoy the forum. I’m 32 and my fiancé is 31. We are getting married this November. I’ve been somewhat active in investments while she hasn’t really gotten her feet wet. My ...
by zup28w
Mon Apr 02, 2012 10:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Feedback for younger invester
Replies: 44
Views: 2380

Re: mortage vs no mortage

Hi all, First time posting on the board and somewhat of a novice but I thought I'd contribute to the conversation. Hoping to read and learn from everyone on here. Aren't there tax benefits of having a mortgage???? You can write off the interest... Also, you mention a 4% interest rate. I didn't see a...
by zup28w
Wed Mar 28, 2012 10:25 am
 
Forum: Investing - Help with Personal Investments
Topic: mortage vs no mortage
Replies: 33
Views: 2700

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