Search found 5023 matches

by Duckie
Sat Oct 21, 2017 7:27 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA + Rollover Withdrawals
Replies: 5
Views: 220

Re: Roth IRA + Rollover Withdrawals

Can I withdraw all of my contributions or do I need to wait 5 years from 2015 to withdraw my rollover contribution of 13,000. You can withdraw all of the contributions without tax or penalty. The $13K rollover was not a contribution. Unless it came from a Roth 401k it was a taxable conversion and i...
by Duckie
Sat Oct 21, 2017 5:52 pm
Forum: Investing - Help with Personal Investments
Topic: Funding an IRA for children.
Replies: 17
Views: 774

Re: Funding an IRA for children.

My daughter's recent post on my blog discusses how she puts her babysitting, modeling, and writing money into a Roth IRA. If someone would like to link to that, readers of this thread might find it helpful. https://www.whitecoatinvestor.com/8-things-my-dad-taught-me-about-money/ https://www.whiteco...
by Duckie
Fri Oct 20, 2017 3:52 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvest Question
Replies: 2
Views: 259

Re: Tax Loss Harvest Question

Mavmoses07 wrote:What is the order in which long term capital losses are applied towards various sources of income/gains?
In your specific case your losses are applied in this order:
  1. Long-term capital gains
  2. Short-term capital gains
  3. Up to $3000 per year against total income until used up
by Duckie
Fri Oct 20, 2017 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: Help! Portfolio checkup needed!
Replies: 3
Views: 370

Re: Help! Portfolio checkup needed!

I am not quite sure what you mean by fund names? I thought that that is what I have done FCTNX for example being a fund name. FCTNX is the ticker symbol. Fidelity Contrafund is the fund name. Few of us have ticker symbols memorized and won't bother to look them up. I am also a little confused about...
by Duckie
Thu Oct 19, 2017 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: In-plan 403 Roth conversion
Replies: 2
Views: 125

Re: In-plan 403 Roth conversion

secondlastchance , welcome to the forum. for in-plan conversions of Pre tax 403 to a Roth 403 account- the taxes I owe will show up on the 1099 R form? Or do I have to keep track of the basis? You'll get a 1099-R but you should keep track of the basis yourself to verify it's correct. And the 1099-R...
by Duckie
Thu Oct 19, 2017 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Help me evaluate my finances pls! - 23 years old
Replies: 8
Views: 837

Re: Help me evaluate my finances pls! - 23 years old

See below for my available 401k investment options Without knowing your plan expense ratios, the best options appear to be: VANGUARD INSTL 500 INDEX TRUST -- Large caps, 80% of US stocks VANGUARD INSTL EXTENDED MKT -- Mid/small caps, 20% of US stocks VANGUARD INSTL TTL INTL STOCK -- Complete intern...
by Duckie
Thu Oct 19, 2017 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA conversion
Replies: 2
Views: 346

Re: Roth IRA conversion

aceman , welcome to the forum. If I convert the entire balance to a Roth IRA, I know I will not have to pay taxes on the $16K of contributions, since I already did. But what about the earnings ($6K)? Will I have to pay taxes on that amount as part of the process of converting the entire IRA to a Ro...
by Duckie
Wed Oct 18, 2017 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: Separate Roth IRA accounts for the backdoor and the mega backdoor?
Replies: 11
Views: 856

Re: Separate Roth IRA accounts for the backdoor and the mega backdoor?

What is the difference between a "backdoor" and a "mega backdoor," please? The backdoor method involves making non-deductible contributions to a Traditional IRA and quickly converting them to a Roth IRA. The mega backdoor method involves making after-tax contributions (the same as non-deductible) t...
by Duckie
Wed Oct 18, 2017 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: Is my prudential account worth the fees?
Replies: 24
Views: 1854

Re: Is my prudential account worth the fees?

So you recommend I contribute in the non roth option for my deferred comp? Yes, at least to start. You can always switch new contributions to the Roth option later if you want. I don't know your income so I'm being conservative. I’ll select those stocks in that plan and then in my Roth IRA do only ...
by Duckie
Tue Oct 17, 2017 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: Think I froze credit... any reason not to apply for credit to test?
Replies: 12
Views: 1312

Re: Think I froze credit... any reason not to apply for credit to test?

Is there a good way to test whether they've actually frozen it? My credit reports all say something like "File frozen due to state legislation" or "Legislative security freeze in place" or "Security Freeze: This file has been frozen at the consumer's request". When you check your reports every few ...
by Duckie
Tue Oct 17, 2017 7:29 pm
Forum: Investing - Help with Personal Investments
Topic: Is my prudential account worth the fees?
Replies: 24
Views: 1854

Re: Is my prudential account worth the fees?

Since I have my Roth IRA maxed out should I start to contribute to this deferred comp again? Contribute to the 457b plan. Use the traditional pre-tax option. You have some good options: DCP Equity Fund (0.11%) -- Large caps, 80% of US stocks DCP Small Cap Equity Fund (0.11%) -- Small caps, 14% of U...
by Duckie
Tue Oct 17, 2017 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: Fine tuning retirement savings plans: 401k, IRAs and beyond?
Replies: 18
Views: 1042

Re: Fine tuning retirement savings plans: 401k, IRAs and beyond?

I understand that contributing to a SEP IRA would trigger the need for pro-rata calculations when using the backdoor and mega-backdoor Roth IRA conversions. Is that what you mean by "would get in the way of the backdoor Roth IRA" ? Yes. Is the limit 20% as opposed to 25% of income for SEP IRA contr...
by Duckie
Mon Oct 16, 2017 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: Fine tuning retirement savings plans: 401k, IRAs and beyond?
Replies: 18
Views: 1042

Re: Fine tuning retirement savings plans: 401k, IRAs and beyond?

humble-student , welcome to the forum. Could I open a SEP-IRA, Simple IRA, or other investment account at the same time as the accounts listed above to put away more money with immediate or future tax advantages? The SIMPLE IRA wouldn't help. Its $12.5K employEE limit is part of the 401k $18K emplo...
by Duckie
Sun Oct 15, 2017 4:37 pm
Forum: Personal Consumer Issues
Topic: Need Embassy Row Map in PDF
Replies: 7
Views: 1058

Re: Need Embassy Row Map in PDF

TravelforFun wrote:I need a PDF map that shows where all the embassies are in Washington, DC and Google couldn't find me one.
This page shows 52 embassies on a map of Washington DC. I'm not sure how to turn that information into a pdf. You could blow up the map and have a lot of .jpg shots.
by Duckie
Fri Oct 13, 2017 7:26 pm
Forum: Investing - Help with Personal Investments
Topic: Need t/Roth IRA tax and recharacterization/conversion strategy advice
Replies: 5
Views: 346

Re: Need t/Roth IRA tax and recharacterization/conversion strategy advice

bevocat , welcome to the forum. I guess I'm ready to let that go and recharacterize my contribution to my VFORX Roth IRA, which is only about 1/10th the size. Since it looks like you won't be able to deduct any amount, contact your custodian and have them recharacterize your 2017 TIRA contributions...
by Duckie
Thu Oct 12, 2017 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Accnt Help please!
Replies: 8
Views: 383

Re: 401K Accnt Help please!

Working for a company offering these 30 different choices for 401K plan ( Fidelity) to its employees. These funds are the best options in the 401k: FID TOT MKT IDX INS (FSKTX) 0.03% -- Complete US stocks VANG TOT INTL STK IS (VTSNX) 0.09% -- Complete international stocks VANG TOT BD MKT INST (VBTIX...
by Duckie
Thu Oct 12, 2017 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: Contribute to bad 457b or invest in taxable account?
Replies: 5
Views: 329

Re: Contribute to bad 457b or invest in taxable account?

Should I increase my contributions to the 457b despite the bad interest rate, with the plan being to roll it over into my Roth IRA after graduating (and therefore preserving the tax benefits), or simply invest in a taxable account with a higher expected earnings rate but no tax benefits? Is the 457...
by Duckie
Thu Oct 12, 2017 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: Roth conversion questions
Replies: 7
Views: 498

Re: Roth conversion questions

minervamd, welcome to the forum.
minervamd wrote:Can I still do a 2017 contribution/conversion ($5500 each) in Dec 2017, and then again ($5500 each) in early 2018?
Yes and yes.
by Duckie
Thu Oct 12, 2017 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Books on setting up a 401k-solo and managing it
Replies: 14
Views: 736

Re: Books on setting up a 401k-solo and managing it

A. Employer contributes 36k. B. I contribute a VAT amount of 36k(voluntary after tax amount) If I choose B, I know I can roll into into a Roth IRA right away. Can I roll it into a Roth 401k? tfb has a solo 401k administered through Ascensus with assets held at Fidelity and here's how he does it: Me...
by Duckie
Thu Oct 12, 2017 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: Please Criticize my Funds.
Replies: 28
Views: 2351

Re: Please Criticize my Funds.

I need to sell some of my VTSAX to have money to buy REIT in Roth IRA. If I earn some $$$ from selling it, do I have to pay any tax on the profit? Not inside an IRA. Same question for my Taxable account if I sell the life strategy fund. In a taxable account you may have a capital gain when you sell...
by Duckie
Wed Oct 11, 2017 7:35 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on Canceling Fidelity Portfolio Advisory Service
Replies: 27
Views: 1978

Re: Advice on Canceling Fidelity Portfolio Advisory Service

I have looked up the 2017 Year-to-Date Tax Activity as of today. Here is what it says: Total Taxable Income $602.57 Ordinary Dividends and Distributions Details - Ordinary Dividends $192.70 - Capital Gain Distributions $409.87 Interest Income Details $0.00 Miscellaneous Income Details $0.00 Origina...
by Duckie
Wed Oct 11, 2017 7:08 pm
Forum: Investing - Help with Personal Investments
Topic: Please Criticize my Funds.
Replies: 28
Views: 2351

Re: Please Criticize my Funds.

Bradley37 , welcome to the forum. Age: 44 Desired Asset Allocation: 90% Stocks; 10% Bonds At age 44 only 10% bonds is very, very aggressive. I'd increase that to 30% bonds. Desired International Allocation: 20% of stocks Vanguard has found between 20% and 40% of stocks in international to be the "s...
by Duckie
Mon Oct 09, 2017 4:12 pm
Forum: Investing - Help with Personal Investments
Topic: First time investing--Roth IRA
Replies: 6
Views: 540

Re: First time investing--Roth IRA

jah7_fsu1 , welcome to the forum. Wife has very limited retirement savings as she has been her own employee for a few years. If she is self-employed she can have a small-business retirement plan. Here are some options . I'm a high school principal paying into a state pension plan. (Kansas, known as...
by Duckie
Sun Oct 08, 2017 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: SEP-IRA Transfer to HSA
Replies: 3
Views: 163

Re: SEP-IRA Transfer to HSA

Does the IRS specify what types of IRA's one can use to transfer funds? Is a SEP-IRA eligible? The IRS specifies TIRAs and Roth IRAs only. Now, maybe it's possible to roll the SEP-IRA to a TIRA and then roll the TIRA to the HSA. You can only do this once, ever. And you can't roll over more than the...
by Duckie
Sun Oct 08, 2017 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth IRA
Replies: 6
Views: 648

Re: Backdoor Roth IRA

I want to clarify that if I put 5500 into a traditional IRA and then call vanguard to convert it to a Roth IRA, there is no penalty for exceeding the income limit? There is no penalty for exceeding the income limit because you did not exceed the income limit. There is no income limit when making a ...
by Duckie
Sat Oct 07, 2017 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio balancing - what is your best move?
Replies: 11
Views: 1306

Re: Portfolio balancing - what is your best move?

What would you recommend for these accounts that represent 6% and 7% of the portfolio Does it make sense to diversify international stocks if you already have Total International Would you add REITs here? You have some great choices. I would use either Total Stock Market in both accounts, Total Bon...
by Duckie
Fri Oct 06, 2017 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio balancing - what is your best move?
Replies: 11
Views: 1306

Re: Portfolio balancing - what is your best move?

I was thinking on adding some tax exempt bonds to the Taxable so I can "protect" stocks and rebalance in case of stock underperformance/crash Does it make any sense? You consider your entire portfolio when figuring your AA, not each account separately. If you need more bonds in the portfolio increa...
by Duckie
Thu Oct 05, 2017 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio balancing - what is your best move?
Replies: 11
Views: 1306

Re: Portfolio balancing - what is your best move?

Should I consider the cash balance when rebalancing as equivalent to bonds or totally apart from the stock/bond ratio? Do not consider the pension for AA purposes. It's an asset but not part of the retirement portfolio. I have only 2% bonds total (from the VFORX) - What do you think about switching...
by Duckie
Thu Oct 05, 2017 2:34 pm
Forum: Investing - Theory, News & General
Topic: Backdoor Roth: How Long To Wait For Conversion?
Replies: 26
Views: 6259

Re: Backdoor Roth: How Long To Wait For Conversion?

Deamon615 , welcome to the forum. Since Roth IRA contributions have to be established by the tax-filing deadline (April 15, 2018 for the 2017 tax year), am I able to effectuate a Backdoor Roth right now for the 2017 tax year, and then as another commenter posted above, do it again during the first ...
by Duckie
Tue Oct 03, 2017 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: We're Debt Free (Except our House)!
Replies: 34
Views: 3174

Re: We're Debt Free (Except our House)!

What does 'putting 14% towards retirement vs maxing out your retirement mean? How is it different? and when do you know you maxed out? If under age 50 you are allowed to contribute $18K (not including matching) to most employer plans plus $5.5K to personal IRAs. If 50 or over the numbers are $24K a...
by Duckie
Sat Sep 30, 2017 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: Suggestions for 22 year old daughter's portfolio?
Replies: 29
Views: 2161

Re: Suggestions for 22 year old daughter's portfolio?

I'd greatly suggestions on how she should do her asset allocation. I recommend an AA of 80% stocks, 20% bonds, with 30% of stocks in international. That breaks down to 56% US stocks, 24% international stocks, and 20% bonds. Without knowing all the plan expense ratios, the best options are: FID 500 ...
by Duckie
Fri Sep 29, 2017 5:06 pm
Forum: Investing - Help with Personal Investments
Topic: Roll Over Pension to Roth IRA
Replies: 2
Views: 260

Re: Roll Over Pension to Roth IRA

brrian , welcome to the forum. 1 - Do a direct rollover into my Roth IRA, and I am responsible for the 20% in federal taxes. <snip> If I want to maximize my retirement dollars, do #1 (direct rollover to Roth) and pay the taxes myself, or if I want to avoid paying taxes out-of-pocket, do #2 (60-day ...
by Duckie
Fri Sep 29, 2017 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: Transition to brokerage account?
Replies: 2
Views: 395

Re: Transition to brokerage account?

beach.rocks wrote:Any downside? Recommendations pro or con?
Type the words -- upgrade brokerage account -- in the top right Google box. You'll see lots of previous threads.
by Duckie
Fri Sep 29, 2017 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: non deductible IRA and backdoor Roth
Replies: 5
Views: 407

Re: non deductible IRA and backdoor Roth

Is my spouse eligible to open a traditional IRA (though she has no income) and contribute to the limit? Can she then do Roth conversion as well? The IRA will be funded from the joint bank account we have Your wife can open and fund an IRA if your joint income is high enough and as long as you file ...
by Duckie
Fri Sep 29, 2017 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: Simplify my Portfolio
Replies: 4
Views: 561

Re: Simplify my Portfolio

Is the Foreign tax credit worthwhile enough to hold international in Taxable? Putting an international fund in taxable isn't just about the Foreign Tax Credit. It's also about the percentage of qualified dividends and whether or not your state taxes foreign dividends. I don't know the rules in your...
by Duckie
Thu Sep 28, 2017 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: Simplify my Portfolio
Replies: 4
Views: 561

Re: Simplify my Portfolio

confusedAA , welcome to the forum. Age: 32 Desired Asset allocation: 90% stocks / 10% bonds Desired International allocation: xx% of stocks 10% bonds is a little aggressive but not terrible at your age. As for international, Vanguard has found between 20% and 40% of stocks in international to be th...
by Duckie
Sun Sep 24, 2017 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: Please help physician newbie to investing with intention
Replies: 10
Views: 1262

Re: Please help physician newbie to investing with intention

The VOYA website says I may be able to rollover from another qualified retirement plan so I will ask the rep tomorrow. Does a "qualified retirement plan" include Rollover IRAs? TIAA website says I may be able to but only if there has been a separation of service, disability, or age 59.5. Those are ...
by Duckie
Sun Sep 24, 2017 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation + DCA Advice
Replies: 9
Views: 792

Re: Asset Allocation + DCA Advice

In my 401k account, I don't have total stock market index fund. But, I have S&p 500 fund. What would you recommend having in my 401k after FXSTX? Fidelity 500 Index Fund (FXSIX) 0.03% Fidelity Extended Market Index Fund (FSEVX) 0.07% If you went 80% 500 Index (large caps) and 20% Extended Market (m...
by Duckie
Sat Sep 23, 2017 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: How Often Do you make a Back-Door Roth Conversion
Replies: 29
Views: 2492

Re: How Often Do you make a Back-Door Roth Conversion

Just to clarify, am I going to be taxed on the $1,000 because it's earnings or because it's over the $5,500 contribution limit? I was under the impression that because I never claimed a deduction for the ira contribution that any conversion of any amount would be tax free. Because it's earnings. On...
by Duckie
Sat Sep 23, 2017 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation + DCA Advice
Replies: 9
Views: 792

Re: Asset Allocation + DCA Advice

Fund I am considering is QREARX. ER is .86% Can you even get this in an IRA? I thought this was limited to employer plans. Currently, on top of my taxable income(100k), I have 55k in my 401k account(Fidelity). All of my 401k money is invested in JPM SMRTRET 2055 R5 (JFFIX), it has an expense ratio ...
by Duckie
Sat Sep 23, 2017 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Roll over now or next year - thoughts?
Replies: 7
Views: 679

Re: Roll over now or next year - thoughts?

That said, if I do in December I would have satisfied 11 of the 12 required months. What are the specific rules about breaking the requirement? Will you get to keep 11/12ths of the bonus, lose it all, or something in between? Personally, I'd probably just wait the full 12 months unless you want to ...
by Duckie
Sat Sep 23, 2017 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: pre-tax money in a nondeductible IRA
Replies: 24
Views: 1485

Re: pre-tax money in a nondeductible IRA

I’m effectively saying I’d like to aggregate all the TIRA $s then segregate.... if that’s possible. It's possible. Let's say you have TIRA #1 with deductible and non-deductible contributions and TIRA #2 with all deductible contributions and you want to transfer TIRA #1 assets to TIRA #2. You can do...
by Duckie
Sat Sep 23, 2017 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: International Bond Funds
Replies: 4
Views: 531

Re: International Bond Funds

I currently have about 30% of my equity allocation in a Vanguard Total International Stock fund. I am looking across my entire portfolio at the moment and I need to rebalance to a lesser percentage overall in stocks and move toward a greater allocation in income based holdings. For the internationa...
by Duckie
Sat Sep 23, 2017 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: pre-tax money in a nondeductible IRA
Replies: 24
Views: 1485

Re: pre-tax money in a nondeductible IRA

if the pro-rata rule is also suspended for the first TIRA to TIRA transaction because you are doing the move to qualified plan the same yr and TIRA2 is considered just an intermediate stop along the way. The pro-rata rule deals with assets in non-Roth IRAs as of December 31st the year of the conver...
by Duckie
Sat Sep 23, 2017 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Roll over now or next year - thoughts?
Replies: 7
Views: 679

Re: Roll over now or next year - thoughts?

flight wrote:Would you rather do now, or wait?
How much is the bonus?

The conversion will be a taxable event. Do you expect your income to be roughly the same next year? Because getter into a higher tax bracket will cancel out any bonus advantage.
by Duckie
Sat Sep 23, 2017 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Contemplating Changes
Replies: 5
Views: 723

Re: Portfolio Review - Contemplating Changes

American Funds Taxable Acct, Unrealized Gain/Loss, Xfer to Vangard/Fidelity I'll research this. I couldn't find a quick modeling tool on the web site that would help - perhaps I just missed it. I believe from the tools I did see that there would be fairly substantial unrealized gains this year I do...
by Duckie
Fri Sep 22, 2017 8:24 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Contemplating Changes
Replies: 5
Views: 723

Re: Portfolio Review - Contemplating Changes

Circumspect , welcome to the forum. Debt/Expenses: $28K car loans (@0%) $46K LoC (@5.25%) Ouch! Can you pay that off? Age (EOY 2017): Him:54; Her:51 Annual Income: mid-6 figures; 80/20 wage/investment income Annual Insurance Cost (auto/home/umbrella/life): $10K Desired Asset allocation: (TBD, histo...
by Duckie
Fri Sep 22, 2017 7:39 pm
Forum: Investing - Help with Personal Investments
Topic: [Is company stock part of my 3-fund portfolio?]
Replies: 10
Views: 569

Re: [Is company stock part of my 3-fund portfolio?]

PopMegaphone wrote:Question - should I include this US stock in the US equity portion of the 3 fund portfolio, keep is separate or a hybrid approach?
It's a US stock. While holding it include it in your US equity AA.
by Duckie
Fri Sep 22, 2017 7:35 pm
Forum: Investing - Help with Personal Investments
Topic: 401(k) & working for only a year before returning to school
Replies: 12
Views: 1037

Re: 401(k) & working for only a year before returning to school

Isn't the lower expense ratio from investing in FSGDX (0.1%) as opposed to FTIGX (0.17%) worth not having full and complete exposure to international stocks? I am only projected to have enough to meet the $10k minimum for one premium fund in my Roth IRA, so I figure it might as well be a US stock i...
by Duckie
Fri Sep 22, 2017 7:05 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation + DCA Advice
Replies: 9
Views: 792

Re: Asset Allocation + DCA Advice

gandalfthegrey , welcome to the forum. US Domestic Total Stock Market Fund(VTSAX): 20% US Domestic Small Cap Value Fund(VISVX): 15% Int'l Developed Market Fund(VTMGX): 15% Emerging Market Fund(VEIEX): 10% Inflation protected bonds(VIPSX): 15% Intermediate Term Treasury(VFITX): 15% Real Estate(TIAA-...