Search found 51 matches

by Carbonate24
Wed Oct 11, 2017 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: Do I lose NUA if I quit my job?
Replies: 7
Views: 823

Re: Do I lose NUA if I quit my job?

Thanks to all.... helpful. I will need to check my plan rules. I suspect they might not want to give me the shares of stock if I quit, rather just the cash. It's a bit tricky since the rules are easy to get in Summary Form, but much harder to get in official/legal/long form. Eventually, I probably h...
by Carbonate24
Wed Oct 11, 2017 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: Do I lose NUA if I quit my job?
Replies: 7
Views: 823

Re: Do I lose NUA if I quit my job?

Thanks, very helpful scrabbler1. I didn't anticipate the possibility that the plan design might impact the answer. I assumed only IRS rules would drive the outcome.
by Carbonate24
Wed Oct 11, 2017 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: Do I lose NUA if I quit my job?
Replies: 7
Views: 823

Do I lose NUA if I quit my job?

I’ve been studying posts about the pros/cons of NUA (Net Unrealized Appreciation) in a 401(k), but there is one Q&A topic I have not come across yet, so seeking input for anyone that knows. Background: I have a 401(k) comprised of about 80% index funds and 20% company stock. I am 47 and I plan to re...
by Carbonate24
Fri Aug 11, 2017 9:16 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing with Account Restrictions
Replies: 5
Views: 730

Re: Rebalancing with Account Restrictions

Thanks all....helpful. Seems as though transaction frequency restrictions I've got + IRA balancing will keep me in check most of time.
by Carbonate24
Wed Aug 09, 2017 9:05 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing with Account Restrictions
Replies: 5
Views: 730

Rebalancing with Account Restrictions

Almost all of my non-401(k) assets are equities. Almost all of the bonds I own are in my 401k. When it comes time to rebalance equities/bonds per my chosen AA percentage, that will almost always require a 401k transaction. The problem is my 401k only allows 2 transactions per month - no exceptions. ...
by Carbonate24
Sat Aug 05, 2017 4:37 pm
Forum: Investing - Help with Personal Investments
Topic: Guidance on Asset Allocation Exclusions:
Replies: 1
Views: 302

Guidance on Asset Allocation Exclusions:

I would appreciate input and insights on specific items that I have EXCLUDED from my asset allocation. Quick Background: I’m married, mid-40’s with two teens. I have a good career in a stable job (relatively large company). I plan to retire at 55, but I enjoy my job, so I might work an additional 5 ...
by Carbonate24
Wed Aug 02, 2017 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: Handling Restricted Stock in Rebalancing
Replies: 11
Views: 715

Re: Handling Restricted Stock in Rebalancing

Very helpful insights and input on how others are actually handling this. I had not considered the approach to discount/haircut the value.....I'll think more about that.
by Carbonate24
Tue Aug 01, 2017 10:21 pm
Forum: Investing - Help with Personal Investments
Topic: Handling Restricted Stock in Rebalancing
Replies: 11
Views: 715

Handling Restricted Stock in Rebalancing

I've been fortunate to recently receive some restricted stock (RS) from my employer. It's restricted until the mid-2020's. This is the first year I gotten these, so I had not anticipated this in my investment plans. For the purpose of rebalancing, should I include RS in the math, and if so, at what ...
by Carbonate24
Fri Jul 07, 2017 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: Clarification: Rebalancing considering Duration
Replies: 18
Views: 1332

Re: Clarification: Rebalancing considering Duration

As aristotelian mentioned above, I was referring to average duration of a bond fund. In my OP, I was trying to reconcile what I read on the Individual Bond vs Bond Fund Wiki "..... you should always hold bond funds with a duration equal to or shorter than the expected need for your money ...." with ...
by Carbonate24
Thu Jul 06, 2017 6:42 pm
Forum: Investing - Help with Personal Investments
Topic: Clarification: Rebalancing considering Duration
Replies: 18
Views: 1332

Re: Clarification: Rebalancing considering Duration

Thanks dbr. I don't think I have a special case.
by Carbonate24
Thu Jul 06, 2017 5:40 pm
Forum: Investing - Help with Personal Investments
Topic: Clarification: Rebalancing considering Duration
Replies: 18
Views: 1332

Re: Clarification: Rebalancing considering Duration

I guess I placed too much weight on the importance of duration….perhaps a better way for me to think of it is: 
When considering a bond mutual fund purchase, compare the fund's duration versus my investment horizon…..but duration shouldn't be a consideration that prevents me from adhering to my asse...
by Carbonate24
Thu Jul 06, 2017 5:41 am
Forum: Investing - Help with Personal Investments
Topic: Clarification: Rebalancing considering Duration
Replies: 18
Views: 1332

Re: Clarification: Rebalancing considering Duration

I don't think anything "magical" would happen on the day my fund hits duration.......just thinking back to the adage to consider investment horizon and bond fund duration.....but I get the point, Asset Allocation is key.
by Carbonate24
Wed Jul 05, 2017 9:35 pm
Forum: Investing - Help with Personal Investments
Topic: Clarification: Rebalancing considering Duration
Replies: 18
Views: 1332

Clarification: Rebalancing considering Duration

Seeking clarification on rebalancing using a hypothetical: 
Suppose the following 4 criteria: (1) Due to market gyrations and my chosen rebalance bands, my investment policy directs me to reduce my fixed income % and increase my equity %. (2) The only way I can achieve the rebalancing is to sell fix...
by Carbonate24
Mon Jun 26, 2017 11:32 pm
Forum: Investing - Help with Personal Investments
Topic: Critique first IPS and Planned Transactions
Replies: 4
Views: 555

Re: Critique first IPS and Planned Transactions

Thanks for the input Watty. I’ve got plans for mortgage, car and college but didn’t explicitly mention them - worth adding for completeness (cars are minor cost since I buy decent but old, used cars and keep them for many years). I do need to study options for Social Security more - good upgrade.
by Carbonate24
Mon Jun 26, 2017 9:24 pm
Forum: Investing - Help with Personal Investments
Topic: Critique first IPS and Planned Transactions
Replies: 4
Views: 555

Re: Critique first IPS and Planned Transactions

Thanks Lobster......

And you are right - I am very much looking forward to simplifying my finances and freeing up time for the important stuff.
by Carbonate24
Mon Jun 26, 2017 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: Critique first IPS and Planned Transactions
Replies: 4
Views: 555

Critique first IPS and Planned Transactions

I have been studying this site for several months to learn, identify my mistakes to date, and institute a better plan going forward. I have just completed my first IPS, but since I am still relatively new at this, I would appreciate constructive feedback primarily on the numerical aspects of my plan...
by Carbonate24
Wed Jun 21, 2017 10:28 pm
Forum: Investing - Help with Personal Investments
Topic: How to follow the 10-year Treasury
Replies: 6
Views: 581

How to follow the 10-year Treasury

I am very familiar with how to find past/current quotes for certain types of things (Dow Jones, S&P 500, etc). I am much less confident of where to pull bond numbers from. Take for example the 10 year Treasury. How do I get past/current information on that? With respect to getting current info, here...
by Carbonate24
Tue Jun 20, 2017 9:07 pm
Forum: Investing - Help with Personal Investments
Topic: Details on Bloomberg Barclays bond benchmarks?
Replies: 6
Views: 729

Re: Details on Bloomberg Barclays bond benchmarks?

lack_ey, thanks, that makes sense, and explains why I couldn't easily find any info! jbow44: My 401(k) is managed by VOYA under the selections chosen by my employer. There is not a named fund listed in the 401(k) plan description. In fact, about the only thing descriptive is the comment "Bond units ...
by Carbonate24
Tue Jun 20, 2017 7:47 pm
Forum: Investing - Help with Personal Investments
Topic: Details on Bloomberg Barclays bond benchmarks?
Replies: 6
Views: 729

Details on Bloomberg Barclays bond benchmarks?

Seeking some help on where to find more details on two benchmarks...... BACKGROUND Over the past several weeks, I have been formulating my first IPS including risk tolerance, asset allocation, rebalance strategy, etc. I’ve completed that now and am close to making transactions. My biggest issue is m...
by Carbonate24
Wed Jun 14, 2017 10:25 pm
Forum: Investing - Help with Personal Investments
Topic: Practical Application of Investment Horizon
Replies: 5
Views: 504

Re: Practical Application of Investment Horizon

I didn't mention it, but my Asset Allocation would have me at 30% bonds by retirement at age 55, so still a healthy portion of stocks for the long haul. What alex_686 says is sort of what I have been thinking. Maybe the "practical" version of applying your investment horizon to picking a bond fund i...
by Carbonate24
Wed Jun 14, 2017 9:01 pm
Forum: Investing - Help with Personal Investments
Topic: Practical Application of Investment Horizon
Replies: 5
Views: 504

Practical Application of Investment Horizon

Seeking some input on the practical application of “investment horizon”…I am having trouble reconciling a few things as outlined below. I’ve been reading numerous BH posts about the important relationship between bond fund duration and one’s investment horizon. And from studying additional BH posts ...
by Carbonate24
Wed Jun 07, 2017 9:36 pm
Forum: Investing - Help with Personal Investments
Topic: Where to put cash for ST needs?
Replies: 17
Views: 1615

Re: Where to put cash for ST needs?

Dividends are coming from taxable and tax-advantaged accounts, but mostly from taxable accounts
by Carbonate24
Wed Jun 07, 2017 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: Where to put cash for ST needs?
Replies: 17
Views: 1615

Re: Where to put cash for ST needs?

I have just developed, for the first time, an IPS and Asset Allocation. I am substantially below the fixed income position I want....so I am taking my stock dividends and putting that $ into the fixed income choices I've made
by Carbonate24
Wed Jun 07, 2017 1:29 pm
Forum: Investing - Help with Personal Investments
Topic: Where to put cash for ST needs?
Replies: 17
Views: 1615

Where to put cash for ST needs?

Would appreciate some BH thoughts on where to park short-term cash. Background - this cash would NOT be for "major purchases" like a car, nor for college costs or anything like that. It would be the dividend money that I take as cash and plan to reinvest in short order (weeks to months). Wondering w...
by Carbonate24
Tue May 30, 2017 10:32 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable vs Muni : Allocation Over Time
Replies: 8
Views: 1707

Re: Taxable vs Muni : Allocation Over Time

Thanks grabiner - that helps. Your comment on capital gains taxes reminded me of an unrelated question on AMT. I am occasionally subject to AMT, but if I am reading Vanguard's site correctly (on the Portfolio & Management tab), a fund like VWITX doesn't have any bonds subject to AMT (0.0%), so incom...
by Carbonate24
Mon May 29, 2017 8:41 pm
Forum: Investing - Theory, News & General
Topic: Other than this Boglehead Site…… [Investing resource recommendations]
Replies: 10
Views: 1840

Other than this Boglehead Site…… [Investing resource recommendations]

Other than the rich discussions on this site, I’d be interested in other key materials/references people have found over the years that they hold in high regard. With respect to investing and finance: WHAT ARE YOUR TOP 3 BOOK RECOMMENDATIONS ( The Only Guide to a Winning Bond Strategy You’ll Ever Ne...
by Carbonate24
Mon May 29, 2017 11:35 am
Forum: Investing - Theory, News & General
Topic: Eliminating Single Positions and Moving to Index Fund
Replies: 28
Views: 3796

Re: Eliminating Single Positions and Moving to Index Fund

Much appreciate the input. A follow-up....Let's assume I diversify away from these ~75 individual stocks over time (years) 1) What should I "monitor" on these stocks in terms of performance, news.....? (what if they are embroiled in an ethical/audit problem?) 2) Is there a way to quickly and efficie...
by Carbonate24
Sun May 28, 2017 11:36 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable vs Muni : Allocation Over Time
Replies: 8
Views: 1707

Re: Taxable vs Muni : Allocation Over Time

So my first priority IS NOT to compare better of Taxable Bond vs Muni Bond.....my first step is to put my chosen fixed income $ into a tax advantaged account, and only when I run out of space in the tax advantaged acct should I then put $ to a bond fund outside a tax advantaged account (in which cas...
by Carbonate24
Sun May 28, 2017 9:18 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable vs Muni : Allocation Over Time
Replies: 8
Views: 1707

Taxable vs Muni : Allocation Over Time

I have a question about the allocation over time for taxable bond funds versus tax-exempt muni funds. I understand the basics of how to decide between taxable vs tax exempt bond funds…….check for similar credit rating, check for similar duration, take into account call risk, apply (1 - marginal tax ...
by Carbonate24
Sun May 28, 2017 12:50 pm
Forum: Investing - Help with Personal Investments
Topic: Which Vang. Muni Fund?
Replies: 3
Views: 434

Which Vang. Muni Fund?

Per my IPS and asset allocation decisions, I am going to get a muni fund (I have no muni's now). I want to get a Vanguard Mutual Fund, though I realize other fund companies have decent options too. I live in a state that does NOT have a state income tax. Other than comparing (1) The credit quality d...
by Carbonate24
Sat May 27, 2017 4:14 pm
Forum: Investing - Theory, News & General
Topic: Eliminating Single Positions and Moving to Index Fund
Replies: 28
Views: 3796

Re: Eliminating Single Positions and Moving to Index Fund

Reading back over the questions above and tying back to my original post: By my own calculations, I have more money than I need in retirement under a wide range of conditions (inflation, returns, life expectancy, expenses,...). My overall portfolio has appreciated quite significantly - more than I t...
by Carbonate24
Thu May 25, 2017 9:16 pm
Forum: Investing - Theory, News & General
Topic: Eliminating Single Positions and Moving to Index Fund
Replies: 28
Views: 3796

Re: Eliminating Single Positions and Moving to Index Fund

WRT questions in red above, there are about 75 stocks in the portfolio, where the top 13 make up 25% of the value. Almost all domestic, all large/mid cap stocks. Current dividend yield across these stocks is about 2.2%. I am in the highest tax bracket, both marginal and capital gains. Using dividend...
by Carbonate24
Wed May 24, 2017 11:05 pm
Forum: Investing - Theory, News & General
Topic: Eliminating Single Positions and Moving to Index Fund
Replies: 28
Views: 3796

Re: Eliminating Single Positions and Moving to Index Fund

What percent of your portfolio do the individual stocks represent? **--->About 90%. Too high. If you plan on making charitable contributions, I recommend using a donor advised fund. Donate the appreciated shares and you can both avoid the CG tax and take a deduction of the current value. win win. **...
by Carbonate24
Wed May 24, 2017 10:20 pm
Forum: Investing - Theory, News & General
Topic: Eliminating Single Positions and Moving to Index Fund
Replies: 28
Views: 3796

Eliminating Single Positions and Moving to Index Fund

I would appreciate some thoughts on selling some individual stock positions and moving proceeds to index funds. I have a large number of individual (domestic) stocks that have been acquired over a wide range of time going all the way back to the 1960s. Some stocks have small capital gain, some have ...
by Carbonate24
Tue May 09, 2017 11:14 am
Forum: Investing - Theory, News & General
Topic: Future Value Model – Useful What If Tool? Or, Worthless?
Replies: 4
Views: 667

Re: Future Value Model – Useful What If Tool? Or, Worthless?

Thanks for the input. I'll cut it back to the critical few variables ( real growth rate ...) and use the norm.inv function ..... great adds. Any thoughts on where to find generally (Boglehead) accepted means and standard deviations for equities, bonds ?
by Carbonate24
Mon May 08, 2017 6:09 pm
Forum: Investing - Theory, News & General
Topic: Future Value Model – Useful What If Tool? Or, Worthless?
Replies: 4
Views: 667

Future Value Model – Useful What If Tool? Or, Worthless?

I would appreciate critical input on whether an approach I’ve taken in building a Future Net Worth model is useable and informative, or just a bunch of garbage. Goal: Predict future net worth in annual increments, both real and nominal. Use self-generated Excel based model rather than off-the-shelf ...
by Carbonate24
Thu May 04, 2017 10:54 pm
Forum: Investing - Help with Personal Investments
Topic: Who am I looking for?
Replies: 5
Views: 1092

Re: Who am I looking for?

The trusts are set up, so I do not need an attorney. I think it is more along the lines of tax, but not exclusively tax. As an example, from a inheritance recently, I received about 10+ different types of investments, some in a trust as well as some investments not in a trust. I do not understand th...
by Carbonate24
Thu May 04, 2017 9:40 pm
Forum: Investing - Help with Personal Investments
Topic: Mega Back Door Roth
Replies: 7
Views: 801

Re: Mega Back Door Roth

Ahhhh, yes. My plan will allow me to covert existing funds (in plan) to a Roth....our so called "Roth 401(k)" option. There are restrictions on how many times per year...it's a small number. So just to be sure I understand: 1) Doing an IRR (In Plan Roth Rollover) of the contributions to my AT accoun...
by Carbonate24
Thu May 04, 2017 9:05 pm
Forum: Investing - Help with Personal Investments
Topic: Mega Back Door Roth
Replies: 7
Views: 801

Re: Mega Back Door Roth

Sorry - what's IRR? Only IRR I know is ~ DCFR.
by Carbonate24
Thu May 04, 2017 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: Who am I looking for?
Replies: 5
Views: 1092

Who am I looking for?

Now that I have been studying this site, I am starting to take over my investment management with a simple 3 fund approach. But I do have some complicated aspects of my finances (trust for me, separate special needs trust, high tax situation, etc). I want to hire a financial advisor that meets the f...
by Carbonate24
Thu May 04, 2017 8:55 pm
Forum: Investing - Help with Personal Investments
Topic: Mega Back Door Roth
Replies: 7
Views: 801

Re: Mega Back Door Roth

Ouch - thanks for the information.... :oops:

Is that a feature that a company can add to it's 401(k) ..... or .... would laws prohibit them from adding it once the 401(k) is put into effect?

Wondering if it's worth banding together with employees to propose adding it to the plan.
by Carbonate24
Thu May 04, 2017 8:43 pm
Forum: Investing - Help with Personal Investments
Topic: Mega Back Door Roth
Replies: 7
Views: 801

Mega Back Door Roth

I have read some other threads on this site about the mega back door Roth. It sounds awesome, and I am trying to figure out how to use it in my situation. My 401(k) plan DOES allow after-tax contributions, but the plan DOES NOT allow "in-service" non-hardship rollovers. I can, however, roll the AT c...
by Carbonate24
Fri Apr 28, 2017 8:33 am
Forum: Investing - Help with Personal Investments
Topic: Muni or not Muni?
Replies: 4
Views: 1142

Re: Muni or not Muni?

I read online (hence not sure of the quality of the information) that SEC Yield is the same as Yield to Worst, or said differently that the SEC yield calculation requires the worst (callable) yield to be published. Can anyone confirm or refute that?
by Carbonate24
Thu Apr 27, 2017 9:06 pm
Forum: Investing - Help with Personal Investments
Topic: Muni or not Muni?
Replies: 4
Views: 1142

Muni or not Muni?

I am familiar with the formula to compare a taxable bond to a muni bond,…looking at the tax equivalent yield using (1 - tax rate) My question is: Does this approach work equally well for comparing mutual fund equivalents? (Compare a taxable bond mutual fund to a municipal bond mutual fund?). If so, ...
by Carbonate24
Wed Apr 26, 2017 9:21 pm
Forum: Investing - Theory, News & General
Topic: How to Incorporate Bonds into asset allocation
Replies: 3
Views: 683

How to Incorporate Bonds into asset allocation

I am seeking input on the bond portion of my asset allocation. I am planning to implement a simple “three fund portfolio” using VTI, VXUS, and BND. However, I am unsure if BND is right for me. I recently read in Boglehead’s Guide to Investing a section that I’ll paraphrase as: “...when your portfoli...
by Carbonate24
Mon Apr 24, 2017 10:40 pm
Forum: Investing - Theory, News & General
Topic: Is AA steady state, or unsteady state?
Replies: 14
Views: 1327

Re: Is AA steady state, or unsteady state?

Thank you. I have only recently come across this site. I have started working on my investment policy statement. and the point about not letting "market forecasts" dictate my AA really hits home. I think I'll include this statement in my IPS as I work to refine my slowly evolving AA versus time. Che...
by Carbonate24
Mon Apr 24, 2017 8:20 pm
Forum: Investing - Theory, News & General
Topic: Is AA steady state, or unsteady state?
Replies: 14
Views: 1327

Is AA steady state, or unsteady state?

I have a question about whether one's asset allocation should change over time: I filled out the investor questionnaire on Vanguard’s website that indicated an allocation of 90% stocks and 10% bonds. When I simply changed two of the eleven inputs (“I plan to begin taking money in….” & “I plan to spe...
by Carbonate24
Mon Mar 13, 2017 1:08 pm
Forum: Investing - Theory, News & General
Topic: Vang Tot Stock Mkt Index Composition
Replies: 17
Views: 2053

Re: Vang Tot Stock Mkt Index Composition

Thank you all for the insightful comments. I feel very comfortable starting out with the Vanguard Total Stock Market Index Fund. My next question - which I am sure there is a plethora of info on these forums for me to research - is whether to do that in the Mutual Fund (VTSAX) or the ETF (VTI). I wo...