Search found 4461 matches

by Duckie
Mon Feb 20, 2017 6:55 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Options
Replies: 5
Views: 200

Re: 401K Options

noelgally , welcome to the forum. Just wanted to see if I could get some advice on my 401K options. Without knowing the plan expense ratios your best options appear to be: ⋅ Blackrock Russell 1000 -- Large/mid caps, about 90% of US stocks ⋅ Blackrock Russell 2000 -- Small caps, ...
by Duckie
Sun Feb 19, 2017 7:41 pm
Forum: Investing - Help with Personal Investments
Topic: New to Investing, [21 years old]
Replies: 14
Views: 779

Re: New to Investing, [21 years old]

I'm thinking for the $7k in the Roth: 80% VTSMX 15% VGTSX 5% VBMFX You can't. All three funds have a $3K minimum, so you could only hold two of them. At this stage you're better off holding the same Vanguard Target Retirement 2060 in both your Roth 401k and Roth IRA. Later, when you have more asset...
by Duckie
Sun Feb 19, 2017 7:25 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Recommendations
Replies: 2
Views: 229

Re: Portfolio Recommendations

SetToInvest , welcome to the forum. Desired asset allocation: 82% stocks, 18% bonds <snip> Roth 401K: Vanguard Target Retirement 2040 (VFORX) If you want to keep the TR fund pick one with more bonds. HSA: VANGUARD TOTAL STOCK MARKET INVESTOR (VTSMX) Do you use the HSA for current expenses or do you...
by Duckie
Sun Feb 19, 2017 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Double Check 8606 Cost Basis
Replies: 3
Views: 459

Re: Double Check 8606 Cost Basis

Besides the non-required information, do lines 2 and line 14 look correct? Lines 2 and 14 look correct. It's just not 100% clear to me whether I should include my 401k to traditional IRA rollover balance on line 2 (which would change line 14 too). The instructions for line 2 state that it should be...
by Duckie
Sat Feb 18, 2017 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Double Check 8606 Cost Basis
Replies: 3
Views: 459

Re: Double Check 8606 Cost Basis

Line 1: 5500 Line 2: 0 Line 3: 5500 Line 4: 5500 Line 5: 0 Line 6: 1200 Line 7: 0 Line 8: 0 Line 9: 1200 Line 10: 0 Line 11: 0 Line 12: 0 Line 13: 0 Line 14: 5500 Line 15: 0 Is this from your 2014 Form 8606? Because if 2014 was the first year you made a non-deductible contribution and you didn't co...
by Duckie
Sat Feb 18, 2017 6:24 pm
Forum: Investing - Help with Personal Investments
Topic: Inheritance - advice
Replies: 5
Views: 1033

Re: Inheritance - advice

I plan on gifting 30k to my mother <snip> Can I write her a check without worry of her or I incurring any unforeseen tax? I am not going to lump sum it over, but instead planned a 2k a month for 15 months or something along those lines. You can give $14K per person per year without any tax filings....
by Duckie
Sat Feb 18, 2017 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: Help with overall review
Replies: 4
Views: 362

Re: Help with overall review

His 401k @ Fidelity: ~$185k FID 500 Index INST - 51% FID EXT MKT IDX PR - 13% VANG TOT INTL STK AD - 16% VANG TOT BD MKT ADM - 20% Currently contributing $15k per year, with ~$17k in contributions from employer <snip> Her 401k - wife is going back to work part time with new baby. She works at a sma...
by Duckie
Sat Feb 18, 2017 5:30 pm
Forum: Investing - Help with Personal Investments
Topic: Maxing out Roth - Backdoor conversion same year?
Replies: 4
Views: 323

Re: Maxing out Roth - Backdoor conversion same year?

If I choose to execute a backdoor Roth from my newly established tIRA, would I still be able to max out my contributions to my Roth IRA this year? For example, if the tIRA has a balance of $3000 and I convert it to a Roth, would I still be able to contribute an ADDITIONAL $5500 directly to the Roth...
by Duckie
Fri Feb 17, 2017 9:16 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for Work Matching Choices at Voya
Replies: 1
Views: 99

Re: Advice for Work Matching Choices at Voya

skarnuli , welcome to the forum. I started a new job in May of 2016 and my employer offers IRA matching through Voya. Are you sure it's an IRA matching? Age: 40 Desired Asset allocation: 80% stocks / 20% bonds (Not firm on this) Desired International allocation: 20% of stocks (Not firm on this) 20%...
by Duckie
Fri Feb 17, 2017 8:34 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Suggestions? (Trying to simplify/reorganize)
Replies: 2
Views: 282

Re: Portfolio Suggestions? (Trying to simplify/reorganize)

Cieren , welcome to the forum. Biggest questions are: should I really be considering Roth vs Traditional IRA contributions at this point (I'm going to be changing our contributions to our 401(k)/403(b)s so that we're only hitting up to our max match % - we're both well above that and I'm not sure t...
by Duckie
Wed Feb 15, 2017 7:15 pm
Forum: Investing - Help with Personal Investments
Topic: Help Making Sense of My Portfolio
Replies: 3
Views: 261

Re: Help Making Sense of My Portfolio

Will retire in March 2017, have been in the accumulation phase for last several years and now need to sort this out. That is why there are so many stocks in the taxable account. I have thought about liquidating the two Fidelity PAS managed accounts and managing them myself and save the 1% fee. Yes,...
by Duckie
Wed Feb 15, 2017 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: Question regarding changing cost basis
Replies: 2
Views: 144

Re: Question regarding changing cost basis

flashfyer wrote:That said, if I make that change, do I just keep track moving forward or will I need to go back and figure out the tax lots for what we have purchased so far?

If you haven't sold anything yet there's no problem. The type of cost basis only kicks in when you sell something.
by Duckie
Wed Feb 15, 2017 6:42 pm
Forum: Investing - Help with Personal Investments
Topic: First Time Re-Balancing
Replies: 4
Views: 331

Re: First Time Re-Balancing

clown wrote:What does 5% mean? For example if you want to be at 65% in Investment X -- is the threshold 5% of 65%, or is in 5 % of the whole portfolio?

If you want to be at 65% in Investment X then being off 5% is when it gets down to 60% or up to 70%.
by Duckie
Tue Feb 14, 2017 11:02 pm
Forum: Investing - Help with Personal Investments
Topic: Self-employed 401k/IRA eligibility
Replies: 7
Views: 294

Re: Self-employed 401k/IRA eligibility

I have both a Roth IRA and a Rollover IRA at Vanguard. Does that change my options? Can I roll my SEP or Solo 401K contributions into the Rollover IRA and keep them tax-deferred, or is converting to the Roth my best bet? If you have a SEP IRA for ongoing contributions, you can roll your Rollover IR...
by Duckie
Tue Feb 14, 2017 10:27 pm
Forum: Investing - Help with Personal Investments
Topic: Another Roth Rollover question
Replies: 5
Views: 355

Re: Another Roth Rollover question

bamajo , welcome to the forum. Will this cause me to have to pay more taxes again on the 5500? If you contribute $5500 (non-deductible) for 2016 before mid-April (and file IRS Form 8606 with your taxes/or separately if your taxes are already filed) and then convert the $5500 plus the $3500 you will...
by Duckie
Tue Feb 14, 2017 9:32 pm
Forum: Investing - Help with Personal Investments
Topic: Help me sort out my Asset Allocation and Investments
Replies: 1
Views: 205

Re: Help me sort out my Asset Allocation and Investments

His 401K - American Funds New Perspective R6 - $44,000 Vanguard 500 Index Institutional Select - $55,000 Vanguard Growth Index I - $24,843 Vanguard Mid Cap Index InstlPlus - $45,467 Vanguard Total Bond Market ETF - 153,520 Vanguard Total Stock Market Idx I - 74,737 Vanguard Value Index I - $77,090 ...
by Duckie
Tue Feb 14, 2017 8:55 pm
Forum: Investing - Help with Personal Investments
Topic: Wow, Vanguard Flagship service is bad. Really bad.
Replies: 135
Views: 17452

Re: Wow, Vanguard Flagship service is bad. Really bad.

Below are the the funds (with expense ratios) I use or ever plan to use at Fidelity. These can be used to construct any reasonable Boglehead portfolio. <snip> Mutual Funds FSTVX US total market 0.05% FUSVX S&P 500 0.05% FSIVX Total Intl 0.12% FPMAX Emerging markets 0.18% FSITX total US Bond 0.0...
by Duckie
Sun Feb 12, 2017 8:10 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth IRA for 2016 and 2017 in 2017
Replies: 13
Views: 932

Re: Backdoor Roth IRA for 2016 and 2017 in 2017

As a trial, I updated our tax return in TaxAct under "non deductible IRA contributions". I entered $5,500 for myself and $5,500 for my wife. TaxAct generated 2 identical 8086 forms for us. They each look like below. Does this look good? Looks good to me. I believe based on your comment ab...
by Duckie
Sun Feb 12, 2017 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth IRA Contributions
Replies: 15
Views: 1054

Re: Backdoor Roth IRA Contributions

ximmortla wrote:I know that there is a maximum contribution to a 401k per year. Would a rollover to a 401k count against this contribution?

No. A rollover is not a contribution.

Would there be additional fees to rollover to a 401k?

Unlikely. Although some IRA custodians have a fee to close the account.
by Duckie
Sun Feb 12, 2017 12:50 am
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth IRA for 2016 and 2017 in 2017
Replies: 13
Views: 932

Re: Backdoor Roth IRA for 2016 and 2017 in 2017

I'm working on exactly the same scenario but my wife and I both have old tIRAs with about $7k in each of them. If I roll them into our individual 401k's before April 2017 and then handle the backdoor Roth contribution/conversions will I create any negative tax consequences? As long as your TIRAs ar...
by Duckie
Sat Feb 11, 2017 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth IRA Contributions
Replies: 15
Views: 1054

Re: Backdoor Roth IRA Contributions

This means, when I look at the activity associated with my tIRA, there are a number of transactions that are typed "2017 TRAD CONTRIBUTION" that are transfers from my Joint account on 01/10/2017 and then on 01/13/2017 there are a number of transactions with type "PARTIAL CONVERSION T...
by Duckie
Fri Feb 10, 2017 8:48 pm
Forum: Investing - Help with Personal Investments
Topic: New Investor Yearly Check-In
Replies: 8
Views: 864

Re: New Investor Yearly Check-In

Is it necessary to own International Stocks? No, it's not necessary. But it does provide diversification. Do US Stocks not have enough exposure to "capture" the international market? No, they don't have enough exposure. If you want the international market you'll have to own international...
by Duckie
Fri Feb 10, 2017 8:42 pm
Forum: Investing - Help with Personal Investments
Topic: Does anyone know what the AXA 403(b) fees are?
Replies: 14
Views: 811

Re: Does anyone know what the AXA 403(b) fees are?

AXA is the main annuity provider at my school district. Just because it's the main provider doesn't mean it's the only one. Are there others? The problem is I've been looking for AXA's fees for the last hour and can't find any comprehensive information on management fees. Looking at the "Plan ...
by Duckie
Fri Feb 10, 2017 8:18 pm
Forum: Investing - Help with Personal Investments
Topic: AFBN Roth vs Roth TSP
Replies: 1
Views: 128

Re: AFBN Roth vs Roth TSP

Napsterxd , welcome to the forum. I guess my question is should I ride out the life insurance and keep Roth IRA going or should I cancel the Roth I don't know if you should cancel the life insurance but can you stop contributing to that particular Roth IRA? You can always open a Roth IRA at a diffe...
by Duckie
Fri Feb 10, 2017 8:11 pm
Forum: Investing - Help with Personal Investments
Topic: Help with investing for kids and retirement
Replies: 2
Views: 345

Re: Help with investing for kids and retirement

Meg2004 , welcome to the forum. What would be good funds to invest for both IRA and non IRA accounts. If you're putting $200K in rollover IRAs and $200K in taxable, using your percentages a simpler portfolio would be: Taxable at Vanguard -- $200K -- 50% 25% ( VTI ) Vanguard Total Stock Market ETF (...
by Duckie
Thu Feb 09, 2017 6:15 pm
Forum: Investing - Help with Personal Investments
Topic: How to handle overcontributing to Solo 401K?
Replies: 17
Views: 814

Re: How to handle overcontributing to Solo 401K?

DTSC wrote:For some reason, the system won't let me send a PM - it remains stuck in the outbox.

Messages you send stay in the Outbox folder until the recipient reads them. Then they go into the Sent messages folder. A message still in the Outbox folder may be edited or deleted.
by Duckie
Thu Feb 09, 2017 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: Help With Backdoor Roth
Replies: 1
Views: 181

Re: Help With Backdoor Roth

My understanding is that we should be free to do this Roth conversion without any negative tax implications since we don't have any traditional IRAs - just want to make sure my understanding is correct? Well, it's not just Traditional IRAs. IRAs titled Rollover IRAs, SEP IRAs, and SIMPLE IRAs are a...
by Duckie
Tue Feb 07, 2017 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth, existing Rollover, form 5498 and 8606
Replies: 2
Views: 248

Re: Backdoor Roth, existing Rollover, form 5498 and 8606

can I submit the 8606 form now, before I get an updated 5498 to reflect my 5500 contribution, or do I need to wait? Form 5498 won't come out until May. She can fill out Part I of Form 8606 now for the 2016 non-deductible contribution (that was made in 2017). does that rollover, stated above, compli...
by Duckie
Sun Feb 05, 2017 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: U.S. vs. International index in taxable account
Replies: 11
Views: 726

Re: U.S. vs. International index in taxable account

Triple digit golfer wrote:I know the tax computation is correct because I was able to back into it, but I need to know where the numbers come from so I can validate. I can't just do the return without understanding the hows and whys.

Do it by hand: Qualified Dividends and Capital Gains Tax Worksheet—Line 44.
by Duckie
Sat Feb 04, 2017 6:02 pm
Forum: Investing - Help with Personal Investments
Topic: Need help to re-characterize ROTH IRA and then backdoor
Replies: 7
Views: 585

Re: Need help to re-characterize ROTH IRA and then backdoor

So let's assume the $5500 I put in there has now become $6000 with a net change of +500. Once I recharacterize, will $6000 be in the TIRA? When you say "convert it all" I'm assuming I will convert $5500 to Roth IRA for the 2016 contributions, but what about the other $500? Will that $500 ...
by Duckie
Fri Feb 03, 2017 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: Navigating Roth Conversions
Replies: 1
Views: 192

Re: Navigating Roth Conversions

On the positive side, the New Year started off with a promotion but the downside is that it now puts my AGI above the Roth IRA limit. I've been reading the various posts about Roth Conversions, but also have a small (less than $1000) IRA held in a CD at my credit union from many years ago that I've...
by Duckie
Fri Feb 03, 2017 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: Need help to re-characterize ROTH IRA and then backdoor
Replies: 7
Views: 585

Re: Need help to re-characterize ROTH IRA and then backdoor

0. open a traditional IRA (https://investor.vanguard.com/ira/how-to-open-an-ira) Okay. 1. perform Roth IRA recharacterization (https://investor.vanguard.com/ira/roth-recharacterization) --- I think I will end up calling them to help, because it's not achievable online You'll need to call them. --- ...
by Duckie
Thu Feb 02, 2017 9:07 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Portfolio help picking funds
Replies: 15
Views: 807

Re: 401k Portfolio help picking funds

I found details, it follows "MSCI ACWI ex-US Investable Market Index". Pulled from disclosures, "The ACWI ex US IMI defines the non-US equity asset class and covers 22 developed markets and 22 emerging markets. The IMI (Investable Market Index) combines large, mid & small capital...
by Duckie
Thu Feb 02, 2017 8:16 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Portfolio help picking funds
Replies: 15
Views: 807

Re: 401k Portfolio help picking funds

tufa7x wrote:It's "Foreign Large Blend".

Well, that's a little vague, but it's probably developed markets. Does it say which index it follows? EAFE?
by Duckie
Thu Feb 02, 2017 8:08 pm
Forum: Investing - Help with Personal Investments
Topic: How to Start 3-Fund Portfolio with Less than $3000
Replies: 22
Views: 1909

Re: How to Start 3-Fund Portfolio with Less than $3000

luckybamboo wrote:Are all these funds good in a taxable account ?

No, because of the taxable bond component.

What is the purpose of the taxable account, retirement or something else? Do you have a work plan like a 401k? Do you have an IRA?
by Duckie
Thu Feb 02, 2017 8:03 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Portfolio help picking funds
Replies: 15
Views: 807

Re: 401k Portfolio help picking funds

I believe there is a little effort in the setup but once setup it can be automated then if I pick the Fidelity NTF no extra fees. I will double check if there are fees. Other wise you think that would be a better option if I don't mind rebalancing every so often? If the effort is minimal and there ...
by Duckie
Thu Feb 02, 2017 6:01 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Portfolio help picking funds
Replies: 15
Views: 807

Re: 401k Portfolio help picking funds

tufa7x wrote:What if I used BrokerageLink and bought Fidelity Total International Index Fund - Premium Class (FTIPX) and allocated 20% to keep it in my 401k for now?

That would depend on what the extra effort/costs are to use BrokerageLink at your 401k.
by Duckie
Wed Feb 01, 2017 5:52 pm
Forum: Investing - Help with Personal Investments
Topic: Personal Roth IRA account question
Replies: 2
Views: 295

Re: Personal Roth IRA account question

cnadella , welcome to the forum. I have a bit novice question about personal Roth IRA, I have opened an account on my wifes name way back in time about 7-8 years when she wasn't working and we thought it would be kind of a investment account. I am not sure if an Roth IRA can be used as a personal i...
by Duckie
Wed Feb 01, 2017 5:33 pm
Forum: Investing - Help with Personal Investments
Topic: over contributed Roth... my plan
Replies: 3
Views: 325

Re: over contributed Roth... my plan

My wife and I both contributed $5.5k in January January 2016? Essentially, I'll be doing a whole lot of work just to get me back to where I am right now, because of weird tax loopholes. It's not that much extra work. Just remember to file two Form 8606s with your 2016 taxes for the now non-deductib...
by Duckie
Wed Feb 01, 2017 4:51 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Portfolio help picking funds
Replies: 15
Views: 807

Re: 401k Portfolio help picking funds

Would you suggest combining the INT Index fund with Wells Fargo Emerging Markets Equity Fund to some percentage? Not with an expense ratio of 1.18%. I am planning to open an Roth IRA this year and take the advice of most others of contributing up to company match in 401k then try to max the Roth IR...
by Duckie
Wed Feb 01, 2017 12:19 am
Forum: Investing - Help with Personal Investments
Topic: 401k Portfolio help picking funds
Replies: 15
Views: 807

Re: 401k Portfolio help picking funds

tufa7x , welcome to the forum. After all the reading I was thinking something close to the 3 fund portfolio. <snip> 48% S&P 500 STOCK INDEX (0.01%) 12% SMALL/MID STOCK INDX (0.05%) 20% INT'L STOCK INDEX (0.07%) 20% US BOND INDEX (0.03%) This will work fine. So will the LifePath fund that's abou...
by Duckie
Tue Jan 31, 2017 11:50 pm
Forum: Investing - Help with Personal Investments
Topic: Nervous new investor for retirement savings
Replies: 10
Views: 1169

Re: Nervous new investor for retirement savings

Age:30 yrs Desired Asset allocation: 70% stocks / 30% bonds - I would love some advice here. At your age I'd go 80/20, but 70/30 is reasonable. Desired International allocation: 20% of stocks - I would love some advice here. I'd go 30% of stocks, but 20% is reasonable. Vanguard has found between 20...
by Duckie
Tue Jan 31, 2017 11:25 pm
Forum: Investing - Help with Personal Investments
Topic: Assistance with Retirement Strategy
Replies: 3
Views: 483

Re: Assistance with Retirement Strategy

megameg , welcome to the forum. I'm trying to figure out if I should make changes or contribute to my Roth IRA (currently 100% stocks) and how to invest my 401k - pre-tax vs. Roth and in what funds? tfb wrote two articles about this: The Case Against Roth 401(k) Roth 401(k) for People Who Contribut...
by Duckie
Tue Jan 31, 2017 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: Reallocating Retirement Accounts
Replies: 7
Views: 913

Re: Reallocating Retirement Accounts

bjames310 wrote:Any thoughts?

Looks good to me.
by Duckie
Tue Jan 31, 2017 7:07 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for Advice on Investments
Replies: 4
Views: 602

Re: Looking for Advice on Investments

Hobby20 , the following two portfolios have an AA of 70% stocks, 30% bonds, with 30% of stocks in international. That breaks down to 49% US stocks, 21% international stocks, and 30% bonds. You could have either: Portfolio #1 His 401k -- $158K -- 70% 70% ( N/A ) Northern Trust Focus 2030 Fund (0.07%...
by Duckie
Mon Jan 30, 2017 6:29 pm
Forum: Investing - Help with Personal Investments
Topic: Cleaning up years of neglect.
Replies: 7
Views: 1632

Re: Cleaning up years of neglect.

For example, looking at the current situation, numbers may be somthing like this: Fund A Short Term $30 Long Term -$3000 Fund B Short Term: $4000 Long Term $360 And yet another Fund C: Short Term $30 Long Term -$1800 Do I understand correctly, that I could add up all the Long Term gains to come to ...
by Duckie
Sun Jan 29, 2017 9:20 pm
Forum: Investing - Help with Personal Investments
Topic: Investing; 401K & Portfolio Help
Replies: 5
Views: 743

Re: Investing; 401K & Portfolio Help

retiredjg wrote:What does NT stand for?

Northern Trust as in this. NT is similar to SSgA and BlackRock CITs.
by Duckie
Sun Jan 29, 2017 9:13 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for Advice on Investments
Replies: 4
Views: 602

Re: Looking for Advice on Investments

Hobby20 , welcome to the forum. Age: 45H, 35W Desired Asset Allocation: We would like guidance on this. At your ages I recommend an AA of 70% stocks, 30% bonds. Desired International Allocation: We would also like guidance on this. Vanguard has found between 20% and 40% of stocks in international t...
by Duckie
Sun Jan 29, 2017 8:01 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited portfolio review request
Replies: 11
Views: 1186

Re: Inherited portfolio review request

We usually figure international as a percentage of stocks, but even 10% of the total is low. What do you recommend? Vanguard has found between 20% and 40% of stocks in international to be the "sweet spot". See the Vanguard paper link and the discussion . I usually split the difference and...

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