Search found 3864 matches

by Duckie
Sat Apr 30, 2016 5:28 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Advice
Replies: 5
Views: 298

Re: 401k Advice

ImYourHuckleberry, welcome to the forum.

ImYourHuckleberry wrote:Looking for advice / comments on what I have, thank you!

If you can't get a cheaper international option in another account I'd use RERGX instead of MINJX. It's cheaper and I prefer its portfolio composition.
by Duckie
Sat Apr 30, 2016 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Old 8606 Form - Incorrectly Chose Distribution/Conversion
Replies: 3
Views: 289

Re: Old 8606 Form - Incorrectly Chose Distribution/Conversion

Line 4 Enter those contributions included in line 1 that were made from 1/1/2014 to 4/15/2014.........$5,500 (INCORRECT!) Did you make your 2013 contribution between 1/1/2014 and 4/15/2014? Your tax program thinks you did. Either way it doesn't make a difference and you don't need to file a correct...
by Duckie
Sat Apr 30, 2016 4:14 pm
Forum: Investing - Theory, News & General
Topic: VTEB: Better than online savings accounts?
Replies: 16
Views: 1912

Re: VTEB: Better than online savings accounts?

neomutiny06 wrote:
SGM wrote:Google Take a Hint from Goldman: Squeeze More Out of Your Cash.

Can you post or message me this article? WSJ doesn't allow me to view it.

It works for me. If you're going through Google and it doesn't work, clear your cookies and try again.
by Duckie
Fri Apr 29, 2016 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: Review/ Help With My Investing
Replies: 9
Views: 508

Re: Review/ Help With My Investing

Is this a less conservative allocation? If you're going with 50/50 with 15% international, that breaks down to 42% US stocks, 8% international stocks, and 50% bonds. With the large cap/small cap ratio being 80/20 it would be: 34% (FUSVX) Spartan 500 Index Fund Advantage Class (0.07%) 8% (DISSX) Dre...
by Duckie
Thu Apr 28, 2016 6:51 pm
Forum: Investing - Help with Personal Investments
Topic: Please Help: Have Advisor, Would Rather Have Gains
Replies: 16
Views: 1554

Re: Please Help: Have Advisor, Would Rather Have Gains

NewbyDoobyDoo , welcome to the forum. Age: 47 <snip> Non-self employed freelancer. Could work 5 - 10 - 20 - 40 weeks a year (say, 15K to 90K/year). Taxes taken out of every check when I have a gig. What do you do when you only earn $15K a year? Where does the money come from to pay your bills? Is t...
by Duckie
Thu Apr 28, 2016 5:47 pm
Forum: Investing - Help with Personal Investments
Topic: Review/ Help With My Investing
Replies: 9
Views: 508

Re: REVIEW / HELP WITH MY INVESTING

csadelson , welcome to the forum. Available funds in 401K The best options are: SPTN 500 INDEX ADV (FUSVX) – 0.07% -- Large caps, 80% of US stocks DREY SM CAP STK IDX (DISSX) – 0.51% -- Small caps, 14% of US stocks COL/ACORN NTL Z (ACINX) – 0.93% -- International SPTN US BOND IDX ADV (FSITX) – 0.17...
by Duckie
Thu Apr 28, 2016 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: Planning Bond Fund Placement for Rebalancing - Help Needed
Replies: 1
Views: 188

Re: Planning Bond Fund Placement for Rebalancing - Help Needed

Here's the question: Where in this portfolio does the bond fund get placed? Your AA is 80/20 and the TSP is 25%. Put all the bonds in the TSP for now. Use the remainder for the C and S funds. (The I Fund is only developed markets and is therefore not the best international option.) Since you are ad...
by Duckie
Thu Apr 28, 2016 4:54 pm
Forum: Investing - Help with Personal Investments
Topic: Target Date funds
Replies: 3
Views: 633

Re: Target Date funds

Would a Vanguard Target Date fund be just as tax efficient in a taxable, non-retirement account as the three fund portfolio? No, because of the taxable bond component. In the three-fund portfolio if you have to hold bonds in taxable a tax-exempt muni bond fund would usually be the best option. But ...
by Duckie
Wed Apr 27, 2016 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review and questions
Replies: 8
Views: 700

Re: Portfolio review and questions

, her 403b plan actually doesn't have EVERY Fidelity fund available (sure looked like it when I was looking at the list) - but most. Unfortunately, Spartan Target Index Funds are not included - only the non-index target funds. Then use the three Spartan funds: Total Market, Global ex, and US Bond. ...
by Duckie
Mon Apr 25, 2016 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: Gifted a Company
Replies: 9
Views: 1241

Re: Gifted a Company

I looked into a SEP and it says i can contribute 5500 a year plus my employer can contribute 25% of my compensation. That $5500 amount is your standard ordinary TIRA contribution made to a SEP IRA instead. It's not really anything extra. And if you are self-employed your employer is you. But an ind...
by Duckie
Sun Apr 24, 2016 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: Down payment or paydown student loan?
Replies: 4
Views: 343

Re: Down payment or paydown student loan?

valley88 , welcome to the forum. On the one hand, I would love to paydown the debt (interest ranging from 3-4%), while on the other hand, if I paydown the debt first, I feel like it will take longer to buy a house. Any advice would be appreciated. I could contribute $4k a month to either of the opt...
by Duckie
Sun Apr 24, 2016 4:22 pm
Forum: Investing - Theory, News & General
Topic: What to include when calculating asset allocation?
Replies: 4
Views: 478

Re: What to include when calculating asset allocation?

Do you include the unvested portion of the employer match? No. I wouldn't even include unvested amounts in my net worth so definitely wouldn't include in my AA. Do you account for taxes? For example, do you discount a traditional account by say 25%? No. No one knows what the tax situation will be l...
by Duckie
Sun Apr 24, 2016 4:12 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Allocations - 5 years to Retirement
Replies: 8
Views: 935

Re: 401K Allocations - 5 years to Retirement

Hulahoop60 , you have a desired AA of 60% stocks, 40% bonds, with unknown international. For the following example I'll use 30% of stocks in international. That breaks down to 42% US stocks, 18% international stocks, and 40% bonds. You could have: His 401k at Merrill Lynch -- 76% 21% ( N/A ) SSgA S...
by Duckie
Sun Apr 24, 2016 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: Would like to convert all my asset to index fund.
Replies: 6
Views: 1148

Re: Would like to convert all my asset to index fund.

Are gains from international tax exempt that they are best placed in a taxable account? Dividends from international are not tax-exempt but are eligible for the 
 Foreign tax credit . So 80% S & P 500 index fund plus 20 % of the Extended Market Fund is total US Stock market ? Yes. Is the Vangua...
by Duckie
Sat Apr 23, 2016 5:40 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Allocations - 5 years to Retirement
Replies: 8
Views: 935

Re: 401K Allocations - 5 years to Retirement

Desired international allocation – uncertain 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 recommend 30% of stocks. IRA – His - Citibank Roth IRA - $8,000 (I don...
by Duckie
Sat Apr 23, 2016 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: Roth 401k vs. Roth IRA
Replies: 3
Views: 275

Re: Roth 401k vs. Roth IRA

honsonmp , welcome to the forum. Salary + Bonus around $165K Roth IRAs have income limits . If you are single you make too much to contribute directly but you could use the 
 Backdoor Roth IRA 
 method. If you can afford the 401k $18K max you could contribute up to $23.5K to the two retirement acco...
by Duckie
Fri Apr 22, 2016 7:16 pm
Forum: Investing - Help with Personal Investments
Topic: sanity check after big change last year
Replies: 11
Views: 794

Re: sanity check after big change last year

Age: 41, Spouse: 41 Desired Asset allocation: 90% stocks / 10% bonds (this is what Vanguard recommended) 90/10 is very aggressive for your ages. I'd recommend 70/30, or at the most 75/25. Desired International allocation: ??% of stocks (not sure. I'd like to understand this more.) Vanguard has foun...
by Duckie
Fri Apr 22, 2016 6:38 pm
Forum: Investing - Help with Personal Investments
Topic: Traditional 401K or Roth 401K - who wins !!
Replies: 59
Views: 2973

Re: Traditional 401K or Roth 401K - who wins !!

flogix wrote:Where am I going wrong in my assumption and calculation ?

There are several reasons to not pre-pay your taxes.
 See The Case Against Roth 401(k).
by Duckie
Fri Apr 22, 2016 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: Achieving appropriate AA when limited to S&P index fund in 401K
Replies: 8
Views: 631

Re: Achieving appropriate AA when limited to S&P index fund in 401K

blindpig wrote:All other options in the plan are actively managed non-index funds with high (0.2-1.0%) expense ratios

I wouldn't call 0.20% high. What are the other options in the plan? List the fund names, ticker symbols, and expense ratios.
by Duckie
Fri Apr 22, 2016 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: EDITED Need help to simplify portfolio for retirement in 5 yrs or less.
Replies: 6
Views: 769

Re: EDITED Need help to simplify portfolio for retirement in 5 yrs or less.

The trust was recently inherited from death so yes everything is stepped up. My half is about $750k That means you can sell everything with a minimal tax-hit. Do you plan to hold the entire ~$750K for retirement or are you going to set some aside for other needs? Do the two Roth IRAs and the Rollov...
by Duckie
Thu Apr 21, 2016 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: Would like to convert all my asset to index fund.
Replies: 6
Views: 1148

Re: Would like to convert all my asset to index fund.

I am trying to get out of the lifecycle fund and wish to have all my assets in index fund and I appreciate any portfolio/asset allocation suggestions. The best options in the employer plans are: Spartan 500 Index Fund FXSIX 0.05 -- Large caps, 80% of US stocks Spartan Extended Market Index Fund FSE...
by Duckie
Thu Apr 21, 2016 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: Porfolio Review - 35 yr
Replies: 6
Views: 1201

Re: Porfolio Review - 35 yr

I have a whole bunch of cash just sitting there that I want to get invested. Should I do lump sum or DCA? If I do DCA, I’ll probably lump 40%, and then DCA the rest, but what amount and at what intervals? After the 40% lump sum probably 10% each month for the next six months. However, how will you ...
by Duckie
Thu Apr 21, 2016 2:14 pm
Forum: Investing - Help with Personal Investments
Topic: EDITED Need help to simplify portfolio for retirement in 5 yrs or less.
Replies: 6
Views: 769

Re: Need help to simplify portfolio for retirement in 5 yrs or less.

hazle , welcome to the forum. We really just want to make this a simpler and tax efficient portfolio for retirement in 5 yrs Concerning the taxable trust, can you take assets out of it and put them in your name in a taxable account or do the assets have to stay in the trust? Did someone recently di...
by Duckie
Thu Apr 21, 2016 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to help my wife get her 401k back on track
Replies: 9
Views: 938

Re: Trying to help my wife get her 401k back on track

I have a good and secure pension $5,500/month starting in 7 years. I have 113k in 401ks that I'm getting ready to move into a low cost stock/bond index. My wife has another IRA that I plan to move into a lowcost Vanguard index fund. In order to help you we need more information. See 
 Asking Portfo...
by Duckie
Wed Apr 20, 2016 5:18 pm
Forum: Investing - Help with Personal Investments
Topic: Question about calculating tax basis
Replies: 6
Views: 407

Re: Question about calculating tax basis

My only investment is my original investment plus reinvestment of my dividends and capital gains. In this case, would it be okay to use my 1099-DIV to get this information? Find your statements. The 1099-DIV may or may not have the same information but you'll need the statements if the IRS ever com...
by Duckie
Wed Apr 20, 2016 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to help my wife get her 401k back on track
Replies: 9
Views: 938

Re: Trying to help my wife get her 401k back on track

Fidelity has the lowest fee plans, so I think we will try to switch her old and new money into that. I was thinking 55 in the cheapest Spartan index fund and then 45 in the spartan bond-long gov (she's about 45). The best options in the Fidelity plan are: ⋅ ( FSTVX ) Spartan Total Market ...
by Duckie
Wed Apr 20, 2016 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: Spouse's new job. Should we do Roth 401(k)?
Replies: 4
Views: 447

Re: Spouse's new job. Should we do Roth 401(k)?

My wife will be starting a new job soon which will likely tip our annual gross income over 183000. I have already made the full Roth IRA contributions for this year. What can I do now to minimize tax implications? If you don't want to recharacterize the Roth IRA contributions to TIRA contributions ...
by Duckie
Wed Apr 20, 2016 3:09 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on what to do with inheritance
Replies: 17
Views: 2604

Re: Advice on what to do with inheritance

clark613 wrote:edited my second post down with the additional info!

With your updated information I changed the percentages on my post.
by Duckie
Tue Apr 19, 2016 5:24 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Analysis Tools - Do I have enough Diversification (NRA Investor)
Replies: 18
Views: 1006

Re: Portfolio Analysis Tools - Do I have enough Diversification (NRA Investor)

Any help or pointers to the method to use to analyse the portfolio and ETF funds or places to go to do this will be greatly appreciated and your guidance is much appreciated VWRD : VANGUARD FUNDS PLC VANGUARD FTSE ALL-WORLD UCITS ETF follows the FTSE All-World Index (which was sort of obvious by th...
by Duckie
Mon Apr 18, 2016 5:19 pm
Forum: Investing - Help with Personal Investments
Topic: Solo 401k
Replies: 7
Views: 655

Re: Solo 401k

Does anyone know if I can open a solo 401k at Vanguard and fund it with proceeds from my Vanguard rollover IRA? I am looking to do a backdoor Roth and need to get out from the pro rata calculation. Vanguard's solo 401k does not allow incoming rollovers from IRAs. Fidelity's solo 401k does allow the...
by Duckie
Mon Apr 18, 2016 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: Max 401(k)s/ROTH IRAs, but should we also consider 457?
Replies: 23
Views: 1744

Re: Withdraw from taxable account to invest more in non-taxable?

Recently, I have been thinking about how my wife and I could invest more. We each max a traditional 401k and ROTH IRA. My wife will have a future pension. She also has the ability to invest in a 457. Basically, my main question is should we leverage our large taxable account in order to partially c...
by Duckie
Mon Apr 18, 2016 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on what to do with inheritance
Replies: 17
Views: 2604

Re: Advice on what to do with inheritance

clark613 , you have a desired AA of 80% stocks, 20% bonds, with 26% of stocks in international (weird number). That breaks down to 59% US stocks, 21% international stocks, and 20% bonds. Going with your updated dollar amounts you could have: Taxable at Vanguard -- $114K -- 55% 34% ( VTSAX ) Vanguar...
by Duckie
Mon Apr 18, 2016 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA investment funds help
Replies: 16
Views: 1330

Re: Roth IRA investment funds help

I'm curious as to why you suggest going with TR2035 and not total stock market until he has at least $25K in the Roth? I'm just asking to learn. Thanks. Using the same fund makes things easier. He's just starting the Roth IRA and until he has more assets (and more experience juggling accounts) usin...
by Duckie
Mon Apr 18, 2016 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Spousal 401k & Roth IRA Inheritance
Replies: 21
Views: 1289

Re: Spousal 401k & Roth IRA Inheritance

Parent #1 is the beneficiary of both 401k and Death Benefit. So there should not be any pro-rata rule issues. Duckie, I assume by 'RMD issues' you mean whether or not to rollover to a T-IRA (to delay RMD withdrawals)? I am going to assume Parent #1 is your mother. I don't know why you can't be spec...
by Duckie
Sun Apr 17, 2016 6:17 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth Step By Step
Replies: 29
Views: 5962

Re: Backdoor Roth Step By Step

I currently do not have anything in my TIRA account. However, have made contributions (with immediate conversions) in order to do a backdoor. I'm confused if I should be checking the box or not. You say you have been doing the backdoor. If you made a non-deductible contribution for 2015 then you ha...
by Duckie
Sun Apr 17, 2016 6:08 pm
Forum: Investing - Help with Personal Investments
Topic: Solo 401K Recommendations?
Replies: 3
Views: 324

Re: Solo 401K Recommendations?

kamari126 , welcome to the forum. Through my research, Vanguard's i401k seemed like the best deal but the drawback is that they charge per fund? And through research, that may not be the best place to build a complete profile - so I've read. $20 per year per fund isn't that much of a fee, especiall...
by Duckie
Sun Apr 17, 2016 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: My Roth IRA information is wrong on Turbo Tax worksheet - what to do?
Replies: 5
Views: 509

Re: My Roth IRA information is wrong on Turbo Tax worksheet - what to do?

The cumulative balance shown on the TurboTax worksheet is much less than the sum of my contributions. Will there be any potential issues with IRS if all of my Roth IRA distributions will be qualified? These worksheets are for your information. The IRS doesn't see them. If you want you can go in and...
by Duckie
Sun Apr 17, 2016 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Spousal 401k & Roth IRA Inheritance
Replies: 21
Views: 1289

Re: Spousal 401k & Roth IRA Inheritance

rolling over into a Traditional IRA - does this do anything to the IRA Basis for tax purposes (form 8606)? It doesn't change the basis amount (unless the 401k has a basis), but if Parent #1 is using the backdoor method because the income is too high to contribute to a Roth IRA directly then the TIR...
by Duckie
Sun Apr 17, 2016 3:58 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA investment funds help
Replies: 16
Views: 1330

Re: Roth IRA investment funds help

Thank you! Any suggestions on a simple three fund portfolio for my Roth? In the Roth IRA use either the same target-date fund (TR2035) or use just one individual fund like Total Stock Market and then in your 401k pick a target-date fund with more bonds. Personally I'd go with TR2035 until you have ...
by Duckie
Sun Apr 17, 2016 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: Please review my portfolio
Replies: 15
Views: 1760

Re: Please review my portfolio

I was looking over my funds to start trying to make some of the changes discussed in this thread when I realized that I currently have a couple of thousand dollars of unrealized losses in SWISX, my Charles Schwab international equities fund. Should I tax loss harvest by selling SWISX in my taxable ...
by Duckie
Sun Apr 17, 2016 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth, Mega backdoor roth and the Pro-rata rule
Replies: 5
Views: 669

Re: Backdoor Roth, Mega backdoor roth and the Pro-rata rule

freelancer wrote:I'll add the rest of the form here.

And now you see line 18 with $264 that will transfer to line 15b of your 1040 form.
by Duckie
Sat Apr 16, 2016 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth, Mega backdoor roth and the Pro-rata rule
Replies: 5
Views: 669

Re: Backdoor Roth, Mega backdoor roth and the Pro-rata rule

I'm not sure if I'm reporting the conversion correctly though .. because currently in the 8086 I'm not paying any tax on the $267 (its actually $267, not $200) You filled out Part I of the form to track your basis. Now you need to fill out Part II to see what happens after the conversion. See lines...
by Duckie
Sat Apr 16, 2016 5:40 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice Please
Replies: 26
Views: 1755

Re: Portfolio Advice Please

Your original desired AA was 70% stocks and 30% bonds with 20% of stocks in international, but later it looked like you want international to be 20% of the portfolio not 20% of stocks. That breaks down to 50% US stocks, 20% international stocks, and 30% bonds (the allocation you planned in your 401k...
by Duckie
Sat Apr 16, 2016 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: roth versus traditional IRA this year
Replies: 5
Views: 650

Re: roth versus traditional IRA this year

2015 - family income was about $125,000------------ <------not sure what to do. 2016 - family income will be >$350,000 (husband already has job lined up) - so plan to do backdoor roth IRA You can make direct Roth IRA contributions for 2015, so do so. You have two days. Since for 2016 you will need ...
by Duckie
Sat Apr 16, 2016 5:10 pm
Forum: Investing - Help with Personal Investments
Topic: Missed a step with backdoor Roth
Replies: 3
Views: 528

Re: Missed a step with backdoor Roth

What should I do? I do I recover from this misstep? You have until your tax filing date with extensions, which is mid-October, to recharacterize the Roth IRA conversion. At this late stage it's unlikely you can get the custodian to fix it on Monday. They're going to be very busy. So file for an ext...
by Duckie
Sat Apr 16, 2016 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Spousal 401k & Roth IRA Inheritance
Replies: 21
Views: 1289

Re: Spousal 401k & Roth IRA Inheritance

I hope we can open the account without actually making a non-deductible contribution but I suppose we can if needed. Most custodians will open a TIRA without needing a contribution. Just tell them you're going to roll assets in once it's open. Are there any issues (tax implications etc) in rolling ...
by Duckie
Sat Apr 16, 2016 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA investment funds help
Replies: 16
Views: 1330

Re: Roth IRA investment funds help

I was finally able to get all the expense ratios up. any help would be greatly appreciated. thanks!! Use a Target Retirement fund in the 401k because they're diversified and inexpensive. If you used separate funds the best options would be more expensive: Vanguard Totl Stck Mkt Index Fd Adm (.05% +...
by Duckie
Sat Apr 16, 2016 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: 401(k) Advice for a Friend - Need to Rebalance
Replies: 4
Views: 429

Re: 401(k) Advice for a Friend - Need to Rebalance

I didn't know that "Married Filing Separately" status has such lower deduction limit. I'm still a little confused with the limit though. It seems that she cannot contribute neither Traditional nor Roth if she makes more than $10K...? I missed "Married Filing Separately" the firs...
by Duckie
Fri Apr 15, 2016 7:12 pm
Forum: Investing - Help with Personal Investments
Topic: Setting up Employer 401K [choosing funds in my employer's plan]
Replies: 4
Views: 333

Re: Setting up Employer 401K [choosing funds in my employer's plan]

whaleknives wrote:I was going to recommend an Inst Index/Mid-Cap/Small-Cap approximation of the Total Stock Market, but I'm not finding a listing for the Mid-Cap Index Inst Plus WMCPX fund; can you give us more information on it?

I think WMCPX is supposed to VMCPX.

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