Search found 3916 matches

by Duckie
Fri May 27, 2016 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking portfolio advice
Replies: 5
Views: 553

Re: Seeking portfolio advice

AnalogKid22 wrote:
Duckie wrote:How much of a gain are we talking about if you sold now?

Only ~$1,000 gain at the moment.

In that case I'd sell now.
by Duckie
Thu May 26, 2016 8:24 pm
Forum: Investing - Help with Personal Investments
Topic: Company 401k Investment Advice
Replies: 2
Views: 209

Re: Company 401k Investment Advice

I currently put in 10% of my salary into the 401k with no company match. With the high expense ratios should I be maxing out a roth IRA first? With no match definitely max your IRA first. Available Funds Your best options are: ⋅ Principal LargeCap S&P 500 Index 0.72% -- Large caps, 80...
by Duckie
Thu May 26, 2016 5:52 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking portfolio advice
Replies: 5
Views: 553

Re: Seeking portfolio advice

VFORX (VG 2040 Target) is 90/10. Does it make sense to match that until, say 40? One more year at 90/10 probably won't hurt, but why wait? Figure out what you want your AA to be and move toward it now. ERs for each: VANG 500 INDEX ADM (VFIAX) -- Large caps, 80% of US stocks - .05% VANG EXT MKT IDX ...
by Duckie
Wed May 25, 2016 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: What funds can you get in Northwestern Mutual?
Replies: 7
Views: 637

Re: What funds can you get in Northwestern Mutual?

N10sive wrote:What funds would you recommend if you have a Northwestern Mutual Roth?

Northwestern Mutual is a life insurance company. Don't hold your investments there. Transfer to Vanguard, Fidelity, or Schwab. Seriously, don't invest through an insurance company.
by Duckie
Tue May 24, 2016 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with 401k AA and plan for excess cash
Replies: 2
Views: 209

Re: Need help with 401k AA and plan for excess cash

The following are funds available to me Without knowing the plan expense ratios the following appear to be the best options: ⋅ BlackRock S&P 500 Index -- Large caps, 80% of US stocks ⋅ Fidelity Spartan Extended Market Index -- Mid/small caps, 20% of US stocks ⋅ Fid...
by Duckie
Tue May 24, 2016 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking portfolio advice
Replies: 5
Views: 553

Re: Seeking portfolio advice

AnalogKid22 , welcome to the forum. Age: 39 Desired Asset allocation: 90% stocks / 10% bonds This is very aggressive for your age. I'd recommend 30% bonds. Funds available in Fidelity 401(k) What are the plan expense ratios for the following funds? VANG 500 INDEX ADM (VFIAX) -- Large caps, 80% of U...
by Duckie
Tue May 24, 2016 4:55 pm
Forum: Investing - Theory, News & General
Topic: Vanguard sued for [failing to charge market rates to and then paying taxes on services to its mutual funds]
Replies: 781
Views: 120367

Whistleblower Danon's wrongful-firing suit dismissed

Ruling in Philadelphia on Monday, Judge Jones endorsed Vanguard's arguments that Danon hadn't proved he was illegally let go from his $250,000-a-year job in retaliation for making legally-protected whistleblower complaints accusing the Malvern mutual fund company of tax fraud. Judge tosses Danon's ...
by Duckie
Mon May 23, 2016 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: New 401K, no ROTH 401K option. What to do with my old ROTH 401K?
Replies: 3
Views: 324

Re: New 401K, no ROTH 401K option. What to do with my old ROTH 401K?

What are my options (and your recommendations) for rolling over my old 401K to include the ROTH? I believe (but may be off) my options are: A. Do nothing. That old 401K has pretty good funds and low ER. B. Rollover just the 'regular' 401K, but that doesn't solve the brokerage problem, so I would ke...
by Duckie
Fri May 20, 2016 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: IRS wants taxes for a backdoor Roth
Replies: 14
Views: 2519

Re: IRS wants taxes for a backdoor Roth

The first thing I plan to do is to speak with our filing CPA from 2014 and ask him to go over our taxes once more. Secondly I want to call Vanguard and get a transaction history to refresh my memory about these particular transactions. Is there anything the Bogle head community could recommend to s...
by Duckie
Fri May 20, 2016 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: Updated Asset Allocation Help
Replies: 9
Views: 859

Re: Updated Asset Allocation Help

Her Current Company Retirement Plan The best options listed are: Columbia Large Cap Index - NINDX - 0.20 Columbia Mid Cap Index - MFESX - 0.20 Columbia Small Cap Index - MVCHX - 0.19 Europacific Growth Fund - FIMAX - 0.53 DFA Intermediate Govt Fund - DFIGX - 0.12 The Standard Stable Asset Fund - 0....
by Duckie
Wed May 18, 2016 5:14 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me simplify my/our retirement accounts
Replies: 10
Views: 1241

Re: Please help me simplify my/our retirement accounts

So I went to change my allocation today in the 457, and we have new funds! That is great about the Vanguard international fund. Thoughts? Since he's going to be difficult I'd ignore his accounts and just consider your two accounts for AA purposes. I'd put all the international in the 457b because i...
by Duckie
Tue May 17, 2016 9:25 pm
Forum: Investing - Help with Personal Investments
Topic: Reallocation? - 401K & Roth IRA
Replies: 4
Views: 340

Re: Reallocation? - 401K & Roth IRA

It has been a while since I've switched up my 401K/Roth IRA and I'm looking for advice on if I should be investing differently. I am about to turn 30 years old and want to revisit my investments. Should I make changes or stay the course? <snip> Here are my selection options for 401K The best option...
by Duckie
Tue May 17, 2016 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: Request for a portfolio (mostly 401k) review
Replies: 6
Views: 457

Re: Request for a portfolio (mostly 401k) review

Her account percentages are: 401k 81% IRA 4% Roth 10% Templeton taxable funds 5% In that case: Taxable at Vanguard -- $30K -- 5% 5% ( VTIAX ) Vanguard Total International Stock Index Fund Admiral Shares (0.12%) 401k -- $486K -- 81% 33% ( PLFPX ) Principal LargeCap S&P 500 Index Fund R5 Class (0...
by Duckie
Mon May 16, 2016 7:35 pm
Forum: Investing - Help with Personal Investments
Topic: Which Funds? For 457B Plan
Replies: 16
Views: 863

Re: Which Funds? For 457B Plan

I participate in my company sponsored 457B plan. Is this a government or non-government 457b plan? $2k currently in the account invested in American Funds 2050 Trgt Date Retire R6. I should probably not be in this fund as I plan to retire before 66. I'm currently 31. You don't pick a target-date fu...
by Duckie
Mon May 16, 2016 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: Request for a portfolio (mostly 401k) review
Replies: 6
Views: 457

Re: Request for a portfolio (mostly 401k) review

Funds available in her 401k: The best options are: ⋅ S&P 500 Index R5 Fund PLFPX 0.41% -- Large caps, 80% of US stocks ⋅ SmallCap S&P 600 Index R5 Fund 0.42% -- Small caps, 14% of US stocks ⋅ American Funds EuroPacific Growth R3 Fund RERCX 1.14% -- Good interna...
by Duckie
Sat May 14, 2016 4:15 pm
Forum: Investing - Theory, News & General
Topic: Have you heard of "Motif" investing?
Replies: 9
Views: 1175

Re: Have you heard of "Motif" investing?

tennisplyr wrote:Have you heard of "Motif" investing?

See previous discussions.
by Duckie
Fri May 13, 2016 10:27 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Critique/ Roth IRA question
Replies: 8
Views: 571

Re: Portfolio Critique/ Roth IRA question

If I find out that I am ineligible at the end of the year due to income limits, what do I do!? You contact the Roth IRA custodian and tell them you made too much money and need to recharacterize the 2016 Roth IRA contributions to a Traditional IRA. It will be as if the money went into the TIRA all ...
by Duckie
Fri May 13, 2016 10:14 pm
Forum: Investing - Help with Personal Investments
Topic: First time investor - Capital one 360 vs. E-trade vs. other investment banks
Replies: 1
Views: 251

Re: First time investor - Capital one 360 vs. E-trade vs. other investment banks

flyers21516 , welcome to the forum. Would like to start investing in class 1,2, and 3 funds but am curious as to what is the best bank to invest through. I have a capital one 360 checking account and am curious how they compare to E-trade, fidelity, merrill edge, etc. Any advice would be greatly ap...
by Duckie
Fri May 13, 2016 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: 1st Post, Looking for Financial Advice
Replies: 8
Views: 773

Re: 1st Post, Looking for Financial Advice

His & Her Employer Defined Contribution Plan: The best options are: Vanguard 500 Index Fund Inv VFINX 0.16% -- Large caps, 80% of US stocks Vanguard Extended Mkt Index Inv VEXMX 0.22% -- Mid/small caps, 20% of US stocks Vanguard Total Intl Stock Ix Inv VGTSX 0.19% -- Complete international stoc...
by Duckie
Fri May 13, 2016 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me simplify my/our retirement accounts
Replies: 10
Views: 1241

Re: Please help me simplify my/our retirement accounts

18% bonds is very aggressive for your ages. I would recommend at least 30%. Is it too aggressive for my age alone? Yes. At age 38, even if you were by yourself, 18% is very aggressive. I don't understand why I wouldn't factor the pension contributions of $9k as kind of a savings account/cash alloca...
by Duckie
Thu May 12, 2016 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me simplify my/our retirement accounts
Replies: 10
Views: 1241

Re: Please help me simplify my/our retirement accounts

Edie , welcome to the forum. Age: Her 38, Him 52 Desired Asset allocation: 82% stocks / 18% bonds Desired International allocation: 40% of stocks 18% bonds is very aggressive for your ages. I would recommend at least 30%. New annual Contributions $9,180 her mandatory pension contribution (I conside...
by Duckie
Wed May 11, 2016 5:16 pm
Forum: Investing - Help with Personal Investments
Topic: Reading MF Prospectus
Replies: 6
Views: 836

Re: Reading MF Prospectus

You may not want to only look at dividends. Since mutual funds (especially stock funds) also change in share price, a more full picture can be had by looking at total return numbers, which includes share price change as well as all distributions. True. You find the fund total return under the "...
by Duckie
Wed May 11, 2016 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: Review/ Help With My Investing
Replies: 18
Views: 1437

Re: Review/ Help With My Investing

I'm just curious, can you tell me more about why you would choose emerging vs developed market? I'm really trying to understand how these funds are viewed by people who have been involved in and understand more about investing than I do. When I look at their numbers on the snapshots on the Fidelity...
by Duckie
Wed May 11, 2016 4:28 pm
Forum: Forum Issues and Administration
Topic: Automatic subscription to topics
Replies: 1
Views: 863

Re: Automatic subscription to topics

I can not see an option where I will be automatically subscribed to the topics when I reply or create a new one. Once you've posted in a thread you can easily find it under "Quick links" (top left of this page), "Your posts". Also at the bottom of this page next to "Post Re...
by Duckie
Wed May 11, 2016 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: 401K vs. Roth IRA
Replies: 2
Views: 924

Re: 401K vs. Roth IRA

I currently have the Vanguard 2050 target fund also, which I am thinking of exchanging into this 4 fund above. What are your thoughts on all my changes to my retirement investments? Any advice? I think since you are contributing to a target-date fund in your 401k that a target-date fund would be be...
by Duckie
Wed May 11, 2016 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: New VG and 2015/16 max contributions
Replies: 1
Views: 333

Re: New VG and 2015/16 max contributions

I opened my new VG account and transferred money in on 4/18/2015. Do you mean 4/18/ 2016 ? I am assuming this is an IRA because otherwise it wouldn't matter. Did you specify year 2015 when you made the contribution? Yet, due to the delay in confirming everything the amount shows as in on the 20th. ...
by Duckie
Wed May 11, 2016 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: Reading MF Prospectus
Replies: 6
Views: 836

Re: Reading MF Prospectus

What line item in a Prospectus would it tell me how much interest the Mutual fund pays on your investment? I don't think you'll find the dividend (not interest) amount in the prospectus. I've found it in the reports in the Financial Highlights tables where past "Distributions", specifical...
by Duckie
Wed May 11, 2016 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: Review/ Help With My Investing
Replies: 18
Views: 1437

Re: Review/ Help With My Investing

I wasn't replacing the high-cost ACINX - that's in my company 401K. Do I really need another international fund? It just seemed like 8% int'l was not enough. You want 50% stocks with 15% of stocks in international. 50 x 15 = 7.5. I think 8% is low myself but that's what you said you wanted. I norma...
by Duckie
Wed May 11, 2016 2:31 pm
Forum: Investing - Help with Personal Investments
Topic: State of Hawaii retirement system - what to do with contributions?
Replies: 9
Views: 1523

Re: State of Hawaii retirement system - what to do with contributions?

in the Fidelity plan, I would actually have a large list of investment options; Spartan funds are one of the many options. That's good. I'm expecting my tax bracket in retirement to be higher than next calendar year (2017) where my salary will probably be around $64k. Then 2017 is probably the best...
by Duckie
Wed May 11, 2016 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: State of Hawaii retirement system - what to do with contributions?
Replies: 9
Views: 1523

Re: State of Hawaii retirement system - what to do with contributions?

Both 403 and 457 have options of investing with TIAA-CREF or with Fidelity. I have read that Fidelity has low expense ratio options for investments. Fidelity has low-cost Spartan index funds, but that doesn't mean your new employer plans offer them. Although Fidelity manages the plan they don't pic...
by Duckie
Tue May 10, 2016 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: Review/ Help With My Investing
Replies: 18
Views: 1437

Re: Review/ Help With My Investing

Opened an IRA account at Fidelity but have not funded it yet because the funds that I thought I wanted have a $10K minimum. Most of the $2,500 minimum's have higher ER's than I thought I should have. I went with Fidelity to do an IRA over Vanguard because I had read Fidelity has more funds to choos...
by Duckie
Tue May 10, 2016 5:38 pm
Forum: Investing - Help with Personal Investments
Topic: solo 401k with 401k at work? max contribution?
Replies: 15
Views: 954

Re: solo 401k with 401k at work? max contribution?

Doing a backdoor roth instead of non deductible ira would have been a good alternative but that ship might have passed if your non deductible ira is already big. If xyz opens a solo 401k at a custodian that allows incoming IRA rollovers (like Fidelity), the IRA pre-tax amount could be rolled over t...
by Duckie
Tue May 10, 2016 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: State of Hawaii retirement system - what to do with contributions?
Replies: 9
Views: 1523

Re: State of Hawaii retirement system - what to do with contributions?

I am currently employed by the State of Hawaii and will be leaving employment soon, and will be moving out of state to Indiana. I haven't received my last direct deposit, as I am still working, but I estimate that I will have about $18000 in contributions in the mandatory retirement plan That amoun...
by Duckie
Tue May 10, 2016 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: solo 401k with 401k at work? max contribution?
Replies: 15
Views: 954

Re: solo 401k with 401k at work? max contribution?

KlangFool wrote:
xyz wrote:Say its 10K of 1099 income, can I contribute the whole 10K to the solo 201k?

Use above calculator to find out how much that you can contribute on the employer side.

xyz, the employer side is the lower SEP IRA/Profit Sharing plan amounts.
by Duckie
Tue May 10, 2016 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: Please help with bond/fixed income side of portfolio
Replies: 14
Views: 1534

Re: Please help with bond/fixed income side of portfolio

I could shift my retirement accounts to something like this?: Roth: 100 (all) in to VG Total Stk idx Adm. 401k: 80 into VGTSAX 100 into VTIAX 120 into VG total bond mkt. index. I would then likely only have to rebalance my 401k, while still including the VTSAX in my roth, correct? If you have VTSAX...
by Duckie
Mon May 09, 2016 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: Please help with bond/fixed income side of portfolio
Replies: 14
Views: 1534

Re: Please help with bond/fixed income side of portfolio

I don't see how I could get the bonds out of my retirement portfolio. I'm 43, wife has similar investment situation with her Roth and 403b. Unless I should weight our 401k/403b more heavily to bonds and move the Roth IRAs to exclusively stock (i.e. Total Stock Mkt Idx)??? I didn't say to get the bo...
by Duckie
Sun May 08, 2016 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - 28 and Feeling Great - I Think....
Replies: 18
Views: 2248

Re: 29 1/4M NW - What am I missing, What can I do better

Aside from dialing in my allocations specifically an increase in international exposure, do you believe this portfolio is a strong enough foundation and the right selection for my situation? Yes. Should I have some international in 401K also or should I have had it all in 401K and everything in TSM...
by Duckie
Sun May 08, 2016 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: 401k fund selection question
Replies: 5
Views: 460

Re: 401k fund selection question

Also, from a tax efficiency standpoint should I invest all of my 401k in bonds and use my taxable account to invest in the stock funds or should I retain a 80/20 stock to muni bond split in my taxable account? I currently contribute $2k monthly into my taxable account to the total stock market fund...
by Duckie
Fri May 06, 2016 5:30 pm
Forum: Investing - Help with Personal Investments
Topic: Please help with bond/fixed income side of portfolio
Replies: 14
Views: 1534

Re: Please help with bond/fixed income side of portfolio

I have the option for vanguard total bond index adm (0.07), which is where I'm leaning for the 3 fund strategy. Given the current interest rate/bond status, and my lack of knowledge on bonds/fixed income, I'd like to know if splitting the 30% would be wise. Not only would I use VBTLX as the only bo...
by Duckie
Fri May 06, 2016 5:20 pm
Forum: Investing - Help with Personal Investments
Topic: Retired/Low Income - Fund Recommendations
Replies: 5
Views: 727

Re: Retired/Low Income - Fund Recommendations

I read a previous post that recommended Vanguard Target Retirement Income Fund (VTINX) was a good choice for both accounts. She feels more comfortable with 30/70 stock/bond ratio and would possibly do a 40/60 mix. If she wants 30% stocks, 70% bonds then ( VTINX ) Vanguard Target Retirement Income F...
by Duckie
Fri May 06, 2016 5:07 pm
Forum: Investing - Help with Personal Investments
Topic: 401k fund allocation help
Replies: 7
Views: 509

Re: 401k fund allocation help

gr99gt , welcome to the forum. Age: 33 Desired Asset allocation: xx% stocks / xx% bonds - Looking for help here. Ideally age 55 retirement Desired International allocation: xx% of stocks - Looking for help here. Ideally age 55 retirement At age 33 I recommend 75% stocks, 25% bonds, with 30% of stoc...
by Duckie
Thu May 05, 2016 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: Help a US Expat new to investing pls!
Replies: 7
Views: 716

Re: Help a US Expat new to investing pls!

jarw , welcome to the forum. State of Residence: Internationally Are you using someone's US address for your financial mail? As I’m late to investing and in the accumulation stage, I want to be more aggressive. Will the 3 fund portfolio (option1) in my Roth provide enough exposure/return for me? Or...
by Duckie
Thu May 05, 2016 4:36 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with AA in our accounts--please.
Replies: 10
Views: 557

Re: Need help with AA in our accounts--please.

Age: 41 Desired Asset allocation: 80% stocks / 20% bonds ??* Desired International allocation: 10-20% of stocks ??* 20% bonds is aggressive at age 41. I would recommend 30% of bonds. As for international, Vanguard has found between 20% and 40% of stocks in international to be the "sweet spot&q...
by Duckie
Thu May 05, 2016 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: Seek advice on rollover
Replies: 8
Views: 844

Re: Seek advice on rollover

What about a Total Bond Admiral in one of the Roth IRA instead of the internation stock? So I could have one 10K Total Stock Admiral in my Roth, and the 10k Total Bond Admiral in my wife's Roth. It is generally better to put funds with higher expected growth (stocks) in Roth accounts because the ta...
by Duckie
Wed May 04, 2016 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: ICMA-RC 401a with TDameritrade option
Replies: 6
Views: 308

Re: ICMA-RC 401a with TDameritrade option

Scott311 wrote:What ratio of S&P 500 to VXF would mimic Total Stock Market Index?

Roughly 80% large caps (500 Index) plus 20% mid/small caps (Extended Market) makes up the total US stock market. See here.
by Duckie
Wed May 04, 2016 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Quitting too early? Firecalc comments
Replies: 21
Views: 3626

Re: Quitting too early? Firecalc comments

letsgobobby wrote:Are there any other calculators or models which would be better to use, or complement Firecalc?

My list:
by Duckie
Wed May 04, 2016 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help for Early Financial Independence
Replies: 28
Views: 2278

Re: Portfolio Help for Early Financial Independence

Funds available in her 401(k) The best options are: Vanguard 500 Index Admiral (VFIAX) (0.05%) -- Large caps, 80% of US stocks Vanguard Mid Cap Index Fund – Admiral (VIMAX) (0.08%) -- Mid caps, 6% of US stocks Vanguard Small Cap Index Fund (NAESX) (0.20%) -- Small caps, 14% of US stocks Vanguard To...
by Duckie
Wed May 04, 2016 2:37 pm
Forum: Investing - Help with Personal Investments
Topic: Seek advice on rollover
Replies: 8
Views: 844

Re: Seek advice on rollover

However, I'm also thinking about the idea of creating my own portfolio without the target date funds inside a Roth IRA and Traditional IRA. What's you opinion on that? Since you will be using separate funds in the 401a, using separate funds in the two Roth IRAs would be fine (and a little cheaper t...
by Duckie
Tue May 03, 2016 5:45 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help for Early Financial Independence
Replies: 28
Views: 2278

Re: Portfolio Help for Early Financial Independence

Funds available in 401(k) The best options are: Vanguard Institutional Index Fund (VINIX) (0.04%) -- Large caps, 80% of US stocks Vanguard Extended Market Index Fund (VIEIX) (0.08%) -- Mid/small caps, 20% of US stocks Vanguard FTSE All World Ex US Index Fund (VFWSX) (0.12%) -- Almost complete inter...
by Duckie
Tue May 03, 2016 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: Seek advice on rollover
Replies: 8
Views: 844

Re: Seek advice on rollover

His Investment options through the new employer: I would pick the following options: ( N/A ) FRS U.S. Stock Market Index Fund (0.02%) -- Complete US stocks ( N/A ) FRS Foreign Stock Index Fund (0.03%) -- Complete international stocks ( N/A ) FRS U.S. Bond Enhanced Index Fund (0.05%) -- US bonds I h...

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