Search found 4370 matches

by Duckie
Mon Jan 16, 2017 7:35 pm
Forum: Investing - Help with Personal Investments
Topic: Help - Portfolio rebalance, protecting market gains
Replies: 1
Views: 51

Re: Help - Portfolio rebalance, protecting market gains

Indy2017 , welcome to the forum. Our 401k is managed by Fidelity and offers 21 investment choices. You need to list the options. We need the fund names, ticker symbols if available, and the plan expense ratios. Employer ESOP fund: 12% Can you sell this? Overall 401k asset allocation looks like: Dom...
by Duckie
Mon Jan 16, 2017 7:26 pm
Forum: Investing - Help with Personal Investments
Topic: Finally awoke - Please help!
Replies: 3
Views: 439

Re: Finally awoke - Please help!

s6ZS7s , welcome to the forum. Age: 45 Desired Asset allocation: 85% stocks / 15% bonds Desired International allocation: 22% of stocks 15% of bonds is very aggressive for your age. I think you should be at least 30%. I like ETFs because I'm familiar with stocks but almost thinking admiral funds ma...
by Duckie
Mon Jan 16, 2017 7:03 pm
Forum: Investing - Help with Personal Investments
Topic: AA review/help for 401(k), Roth-IRA, 529
Replies: 2
Views: 46

Re: AA review/help for 401(k), Roth-IRA, 529

wsr001 , welcome to the forum. Have been investing into a Traditional 401(k) (Vanguard Target Retirement 2055 Trust II) through Fidelity <snip> 401(k) My contribution: 6% Roth Are your contributions to the 401k pre-tax or Roth? FID CONTRAFUND K (FCNKX), 25% invested, .61% ER TRP MID CAP VALUE I (TR...
by Duckie
Mon Jan 16, 2017 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Question about line 7 when filling out 8606
Replies: 1
Views: 91

Re: Question about line 7 when filling out 8606

Provlima , welcome to the forum. In filling out line 7 of her 8606 the instructions say to enter the net amount but do not include rollovers. This is somewhat confusing. Are rollover distributions treated differently from distributions from other simple IRA accounts. An IRA entitled "Rollover ...
by Duckie
Sun Jan 15, 2017 7:56 pm
Forum: Investing - Help with Personal Investments
Topic: Limited Fund offering in 401K
Replies: 10
Views: 446

Re: Limited Fund offering in 401K

There is a stable value fund. 3% guaranteed. 3% is good in this interest rate environment. Should I allocate 20% to the stable fund? Or maybe just 5-10%? At age early 30s at least 15% of your total retirement portfolio should be in bonds/fixed. 20% would be better. About $40k in 401k $20,000 IRA's ...
by Duckie
Sun Jan 15, 2017 7:30 pm
Forum: Investing - Help with Personal Investments
Topic: Just Married: Consolidate and Simplify AA
Replies: 2
Views: 254

Re: Just Married: Consolidate and Simplify AA

rl3 , welcome to the forum. Funds available at his 401k The best options are: ⋅ Vanguard Total Stock Market Index Fund (VTSMX) (0.16) -- Complete US stocks ⋅ Vanguard Total Int'l Stock Index Fund (0.19) -- Complete international stocks ⋅ Vanguard Total Bond Market Inde...
by Duckie
Sat Jan 14, 2017 8:43 pm
Forum: Investing - Help with Personal Investments
Topic: Need advice for Vanguard fund choices for $1.6M
Replies: 17
Views: 1751

Re: Need advice for Vanguard fund choices for $1.6M

So, to keep things simple, a three fund strategy sounds good - from my understanding that would be admiral shares of VTSMX, VGTSX, and VWITX for the taxable portion, and VTSMX, VGTSX, and VBMFX for the 401K? You can put your entire bond AA in the Vanguard Rollover IRA, so ( VBTLX ) Vanguard Total B...
by Duckie
Sat Jan 14, 2017 8:11 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - 35 year old novice
Replies: 5
Views: 763

Re: Portfolio Review - 35 year old novice

johnsmithsf , welcome to the forum. His Age: 35 Her Age: 30 Desired Asset allocation: 60% stocks / 40% bonds Desired International allocation: 25% of stocks At your ages 40% bonds is conservative, but not unreasonable. Taxable 6% ($9,000) Vanguard Balanced Index Fund Investor Shares VBINX Expense r...
by Duckie
Sat Jan 14, 2017 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: Consolidating my 401ks
Replies: 10
Views: 604

Re: Consolidating my 401ks

If I've already done a backdoor Roth IRA for both 2016 and 2017, would I still be able to convert the 401k into a TIRA and then roll it into the Roth IRA? If she rolls the old 401k into a TIRA it has to be converted to a Roth IRA by 12/31/17, otherwise her 2017 backdoor Roth will be mostly taxable ...
by Duckie
Fri Jan 13, 2017 7:26 pm
Forum: Investing - Help with Personal Investments
Topic: Consolidating my 401ks
Replies: 10
Views: 604

Re: Consolidating my 401ks

If I roll her 401k into a traditional IRA, then will I run into a tax problem when I roll-over the traditional IRA to a ROTH IRA? How does this work? If she rolls her old 401k into a TIRA and converts it to a Roth IRA she will pay taxes on it, but there is no penalty. She can: ⋅ Leave her...
by Duckie
Fri Jan 13, 2017 7:17 pm
Forum: Investing - Help with Personal Investments
Topic: IRA deduction and AGI for MFJ
Replies: 4
Views: 231

Re: IRA deduction and AGI for MFJ

2bdbest wrote:I quailify for a partial deduction, that I know. But how can i find that the exact amount? or at least a close approximate?

See Worksheet for Reduced IRA Deduction for 2016.
by Duckie
Fri Jan 13, 2017 7:07 pm
Forum: Forum Issues and Administration
Topic: Bogleheads is back!
Replies: 21
Views: 3648

Re: Bogleheads is back!

Peculiar_Investor wrote:I've seen this error intermittently over the past week or so, no real pattern that I can detect.

Me, too.
by Duckie
Fri Jan 13, 2017 7:02 pm
Forum: Investing - Help with Personal Investments
Topic: Traditional 401k vs Roth 401
Replies: 4
Views: 412

Re: Traditional 401k vs Roth 401

I read a very informative article by The Finance Buff that explained all the advantages of the traditional over Roth. I think it was called The Case Against Roth 401k. Two articles by tfb : 
 The Case Against Roth 401(k) Roth 401(k) for People Who Contribute the Max For most people the pre-tax 401k...
by Duckie
Fri Jan 13, 2017 6:54 pm
Forum: Investing - Help with Personal Investments
Topic: Getting started
Replies: 4
Views: 443

Re: Getting started

countryboy48 , welcome to the forum. Age:48 Desired Asset allocation: 80% stocks / 20% bonds. Figure I need to catch-up Attempting to catch up by having a higher stock AA is risky. Stocks are like a roller coaster. Desired International allocation: Not so sure on this Vanguard has found between 20%...
by Duckie
Fri Jan 13, 2017 6:09 pm
Forum: Investing - Help with Personal Investments
Topic: Value of Traditional to Roth Conversion
Replies: 6
Views: 631

Re: Value of Traditional to Roth Conversion

countdrak , welcome to the forum. The issue is that I have liquidate the tIRA account which has done really well in the past several years. The question is -> Should I liquidate all my positions and roll them into 401K OR forget about the $11K/yearly that I can invest and grow tax free. The questio...
by Duckie
Fri Jan 13, 2017 6:06 pm
Forum: Investing - Help with Personal Investments
Topic: Roth Logistics and Account Transfer questions!
Replies: 1
Views: 124

Re: Roth Logistics and Account Transfer questions!

We usually wait until our CPA confirms our AGI before sending money to our advisor to contribute to the tIRA and convert to each Roth. Therefore, we are always “a year behind” and we contribute in one lump sum each year. I would really like to make monthly contributions instead of lump sum payments...
by Duckie
Fri Jan 13, 2017 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: 401k advice for ~3 fund portfolio
Replies: 3
Views: 315

Re: 401k advice for ~3 fund portfolio

Hi - I started a new job and the 401k provider is Fidelity. I'm looking to set up a 3 (ish - see below) fund portfolio with 52% US equities, 28% international equities, and 20% US bonds. Here are the best options in my 401k for that: 1. US Stock: a. Fidelity Total Market Index Fund - Investor Class...
by Duckie
Fri Jan 13, 2017 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity 3 Fund Portfolio?
Replies: 5
Views: 803

Re: Fidelity 3 Fund Portfolio?

If there are better options for international stock choice I'm open to suggestions. FID GLB XUS IDX PR (FSGDX) ( FSGDX ) Fidelity Global ex U.S. Index Fund Premium Class (0.11%) is the international fund Bogleheads used to recommend before FTIPX was created. It's missing some small caps, but it has...
by Duckie
Fri Jan 13, 2017 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: IRA deduction and AGI for MFJ
Replies: 4
Views: 231

Re: IRA deduction and AGI for MFJ

If I do a trustee to trustee transfer of former 401k to a Traditional IRA and make contribution for year 2016, would I be able to deduct that contribution from Income and lower my AGI? I am a not sure if I qualify for the deduction and if I do how much can I deduct. It depends on your income. See h...
by Duckie
Fri Jan 13, 2017 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: Young Investor, small windfall
Replies: 12
Views: 1714

Re: Young Investor, small windfall

How much would the BrokerageLink option cost you to use? I had to call Fidelity to answer this one. $7.95 per trade on stocks, ETFs. No fee to open the account and no transaction fees to transfer money into the account. I asked about purchasing VTSAX, sounds like $75 per purchase of non-Fidelity fu...
by Duckie
Thu Jan 12, 2017 6:29 pm
Forum: Investing - Help with Personal Investments
Topic: Young Investor, small windfall
Replies: 12
Views: 1714

Re: Young Investor, small windfall

mars9000 , welcome to the forum. Employer Fund options (Fidelity) with gross Expense Ratio: The best options are: ⋅ FID 500 INDEX INST (FXSIX) - 0.035% -- Large caps, 80% of US stocks ⋅ FID EXT MKT IDX PR (FSEVX) - 0.07% -- Mid/small caps, 20% of US stocks ⋅ OPPHMR INT...
by Duckie
Thu Jan 12, 2017 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Questions and Advice
Replies: 2
Views: 236

Re: Portfolio Questions and Advice

chunt89 , welcome to the forum. Age: 27 Desired Asset allocation: 75% stocks / 25% bonds Desired International allocation: 10% to 20% of stocks Reasonable for your age. Taxable Investment Account: 18k (probably less after ML fees) Taxable - In Transfer process (don't really plan on touching this ri...
by Duckie
Wed Jan 11, 2017 10:56 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth Earnings Question
Replies: 4
Views: 202

Re: Backdoor Roth Earnings Question

My concern is that if I roll it into my Roth IRA it will put me over the annual contribution limit. If you convert the $0.49 it is not a contribution. Likewise, I don't want to leave it in the account because I need a zero balance in my IRAs to keep the conversion clean from a tax standpoint. If yo...
by Duckie
Wed Jan 11, 2017 10:42 pm
Forum: Investing - Help with Personal Investments
Topic: Simplifying and optimizing
Replies: 3
Views: 479

Re: Simplifying and optimizing

For the sake of discussion, let's agree to 10% bond, recognizing that we can shift more conservatively after these manipulations are done. Okay for now, but 10% bonds is really low. Fidelity 401K The best options in Tier II are: ⋅ Spartan 500 Index (FXSIX) 0.05% -- Large caps, 80% of US s...
by Duckie
Wed Jan 11, 2017 8:45 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Suggestions Requested - Vanguard 401k
Replies: 2
Views: 272

Re: Portfolio Suggestions Requested - Vanguard 401k

Should I move out of the Target Fund? No. None of the separate options costs less. Since all you have are the 401k and Roth IRA, using the target-date fund in both accounts is just fine. Are Target Funds a good long term plan? They're good until you add a taxable account for retirement purposes. Th...
by Duckie
Wed Jan 11, 2017 8:21 pm
Forum: Investing - Help with Personal Investments
Topic: Maxed accounts... what do I do in taxable?
Replies: 7
Views: 1470

Re: Maxed accounts... what do I do in taxable?

I do have a TIRA and a new Taxable account. They each have ~$3000 in each, but are just in 2060 target retirement funds because until now they didn't have enough value to purchase into the other Vanguard funds. Although, I will be transferring my Roth IRA contributions for 2016 to the TIRA to take ...
by Duckie
Wed Jan 11, 2017 8:16 pm
Forum: Investing - Help with Personal Investments
Topic: Simplifying and optimizing
Replies: 3
Views: 479

Re: Simplifying and optimizing

udvuvvdu , welcome to the forum. Cash vs taxable account funds (e.g. Vanguard Tax-Managed Balanced VTMFX) for holding funds targeted at potential home purchases or family expansion in 2-5 year span Money needed in fewer than five years should be in a mix of savings accounts, CDs, and money market a...
by Duckie
Mon Jan 09, 2017 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie in need of help with portfolio
Replies: 6
Views: 682

Re: Newbie in need of help with portfolio

New annual Contributions $18k per year his 401k w/ 3% match $18k per year her 401k w/ 4.5% match Does the $18K per year include the match or is the match on top? Funds available in his 401(k) The best options are: ⋅ Vanguard Total Stock Mrk Index VTSAX 0.05 -- Complete US stocks ⋅&nb...
by Duckie
Sun Jan 08, 2017 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth IRA Tax problem, please help!
Replies: 14
Views: 1229

Re: Backdoor Roth IRA Tax problem, please help!

skidoc , welcome to the forum. In Jan 2016, I converted $3000 in traditional IRA to Roth IRA. Did you convert exactly $3000 or did you convert the entire TIRA? Probably I should have contributed $5500 to traditional IRA (not Roth IRA account) then converted it to Roth in 2016 (that means I should c...
by Duckie
Sun Jan 08, 2017 5:43 pm
Forum: Investing - Help with Personal Investments
Topic: Just starting out - investment help
Replies: 5
Views: 426

Re: Just starting out - investment help

Does it really not matter to take into account expense ratios when you're just getting started? It looks like I could get the expense ratio down significantly by choosing the blend of Vanguard funds available. It doesn't matter as much early on because you don't have many assets. But it does matter...
by Duckie
Sat Jan 07, 2017 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: Just starting out - investment help
Replies: 5
Views: 426

Re: Just starting out - investment help

Funds available in his 401(k) The best options are: ⋅ Vanguard 500 Index Fund (VFIAX) (.05%) -- Large caps, 80% of US stocks ⋅ Vanguard Midcap Index Fund (VIMAX) (.08%) -- Mid caps, 6% of US stocks ⋅ Vanguard Small Cap Index Fund (VSMAX) (.08%) -- Small caps, 14% of US...
by Duckie
Sat Jan 07, 2017 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: New to Bogle
Replies: 24
Views: 1272

Re: New to Bogle

delamer wrote:So using the Vanguard Emerging Markets Index to complement the I fund would be an option.

It's better, but you'd still be missing small caps and Canada.
by Duckie
Sat Jan 07, 2017 4:55 pm
Forum: Investing - Help with Personal Investments
Topic: Funding Roth IRA from taxable
Replies: 6
Views: 464

Re: Funding Roth IRA from taxable

JaySayms wrote:Will there be any tax implications?

There wouldn't be any extra tax implications. Whether you use the money to contribute to a Roth IRA or to buy a new motorcycle makes no difference.
by Duckie
Fri Jan 06, 2017 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: 401K investment advice for newbie
Replies: 2
Views: 150

Re: 401K investment advice for newbie

zootownbella , welcome to the forum. my options under Growth (rather than Target Funds) are: Without knowing your plan expense ratios (we need that information) the best options appear to be: ⋅ 500 Index Fund -- Large caps, 80% of US stocks ⋅ Mid Cap Index Fund -- Mid caps, 6% o...
by Duckie
Fri Jan 06, 2017 7:10 pm
Forum: Investing - Help with Personal Investments
Topic: Morningstar instant x ray not working at all
Replies: 3
Views: 335

Re: Morningstar instant x ray not working at all

Am I doing something wrong ? It used to work fine but now it`s not. Any suggestions ? It just tried it. There is a glitch. Sometimes it worked and sometimes it didn't. When you type in the Ticker Symbol make sure you click on the link so it appears capitalized. When you type in the Holding Value ma...
by Duckie
Thu Jan 05, 2017 7:20 pm
Forum: Investing - Help with Personal Investments
Topic: Bond fund - PTTRX - any better ones under Fidelity?
Replies: 21
Views: 1087

Re: Bond fund - PTTRX - any better ones under Fidelity?

Bond fund - PTTRX (PIMCO TOTAL RETURN) with expense ratio at 0.27%. Is there any better ones under Fidelity? It depends on what you mean by "better". These index funds are certainly cheaper: ⋅ ( FBIDX ) Fidelity U.S. Bond Index Fund Investor Class (0.15%) or if you have $10,000 ...
by Duckie
Thu Jan 05, 2017 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: Help with personal finances and how to pick asset allocations/portfolio
Replies: 5
Views: 373

Re: Help with personal finances and how to pick asset allocations/portfolio

Funds Available in 401k The best options are: ⋅ FID 500 INDEX PR (FUSVX) .045% -- Large caps, 80% of US stocks ⋅ VANG MIDCAP IDX ADM (VIMAX) .08% -- Mid caps, 6% of US stocks ⋅ VANG SM CAP IDX ADM (VSMAX) .08% -- Small caps, 14% of US stocks ⋅ BLKRK INTL INDE...
by Duckie
Wed Jan 04, 2017 10:42 pm
Forum: Investing - Help with Personal Investments
Topic: cannot contribute for Roth .. question
Replies: 9
Views: 575

Re: cannot contribute for Roth .. question

should i save the $6500 on my capitol one account or invest on my brokerage account (VTSAX fund) and after 1 year can i exchange from brokerage t to roth (all on Vanguard) or is considered sale and i need to pay tax? If you save in the Capital One account it won't make much but won't lose either. I...
by Duckie
Wed Jan 04, 2017 10:32 pm
Forum: Investing - Help with Personal Investments
Topic: 403B Allocation Help
Replies: 5
Views: 404

Re: 403B Allocation Help

I presume you are suggesting to get rid of the retirement fund and go with 100% stocks in the Roth to maximize the return since it's non-taxed. I put individual stock funds in the Roth IRA for two reasons. ⋅ Once you have a taxable account for retirement purposes using a balanced fund lik...
by Duckie
Wed Jan 04, 2017 10:16 pm
Forum: Investing - Help with Personal Investments
Topic: Roll Over 401k & IRA Help Please
Replies: 9
Views: 504

Re: Roll Over 401k & IRA Help Please

I do not have a TIRA yet, but I will when I open an account with Vanguard for the $3k mentioned two paragraphs above. If I can just put the few hundred with that other amount, all into the same fund, then that would be a simple way to handle this.....right? You can add the "few hundred" t...
by Duckie
Wed Jan 04, 2017 9:17 pm
Forum: Investing - Help with Personal Investments
Topic: 403B Allocation Help
Replies: 5
Views: 404

Re: 403B Allocation Help

Redgar18 , welcome to the forum. My Current Investments: Vanguard Total Bond Index (VBTLX) -- $15,000 Vanguard Total International Stock Index (VTIAX) -- $18,000 Vanguard Total Stock Market Index (VTSAX) -- $87,000 Is this a taxable account? Because bonds don't belong there. Roth IRA -- Vanguard Ta...
by Duckie
Wed Jan 04, 2017 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: cannot contribute for Roth .. question
Replies: 9
Views: 575

Re: cannot contribute for Roth .. question

jafcorrea wrote:i only make 2 contributions simple and roth, .... going to search about backdoor contribution

If by "simple" you mean you have a SIMPLE IRA, then you will have a problem with the 
Backdoor Roth IRA
 method because of the pro-rata rule.
by Duckie
Wed Jan 04, 2017 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: Balancing Portfolio with new IRA choices
Replies: 5
Views: 452

Re: Balancing Portfolio with new IRA choices

Would I just open a taxable trading account? Yes. Open a brokerage account at a good firm. I mentioned Fidelity because your IRAs are there and it has excellent low-cost total-market funds. What considerations if any would be involved with cashing in the stock I am holding? obviously it would be ta...
by Duckie
Tue Jan 03, 2017 6:55 pm
Forum: Investing - Help with Personal Investments
Topic: New 401(k) - Allocation Help
Replies: 4
Views: 430

Re: New 401(k) - Allocation Help

Funds available in his 401(k) The best options are: ⋅ Vanguard Inst Index Fund Inst Plus (VIIIX) (0.02%) -- Large caps, 80% of US stocks ⋅ Vanguard Tot Intl Stock Ix Inst (VTSNX) (0.10%) -- Complete international stocks ⋅ Vanguard Total Bond Mkt Index Inst (VBTIX) (0.0...
by Duckie
Tue Jan 03, 2017 6:39 pm
Forum: Investing - Help with Personal Investments
Topic: Balancing Portfolio with new IRA choices
Replies: 5
Views: 452

Re: Balancing Portfolio with new IRA choices

I did some pretty thorough research concerning my HSA's available funds. I chose the one fund recommended here from a thread on my HSA's exact offerings just a month ago. There were only two. Does not seem to be well regarded. I prefer bonds in HSAs but 0.85% for Total Return vs 0.09% for 500 Index...
by Duckie
Tue Jan 03, 2017 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with IRA
Replies: 3
Views: 386

Re: Need help with IRA

kurious wrote:
I'd still choose the Roth IRA.

I'm curious why. Shouldn't reducing our taxable income be our first priority?

Right now you're in the 25% tax bracket. That's on the line for whether it makes sense to deduct or go Roth. I'm a big fan of Roth IRAs. It's a personal decision.
by Duckie
Tue Jan 03, 2017 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: New to the forums and trying to streamline portfolio
Replies: 8
Views: 702

Re: New to the forums and trying to streamline portfolio

The Wealthfront account was initially created as a place to invest some excess cash, as described in the situation above for heyyou . I included it as a retirement account in the intial portfolio I posted, but if I were to use this instead as a "Future Big Purchase" fund, where would you ...
by Duckie
Mon Jan 02, 2017 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: About to get married, help with finances please
Replies: 6
Views: 1004

Re: About to get married, help with finances please

OOlaf , welcome to the forum. Tax Filing Status: Single but like I said married in june. Not sure how we will file (I have yet to research this, suggestions welcome) For most couples it is financially better to file Married Filing Jointly. That will depend on whether her student loans can be forgiv...
by Duckie
Mon Jan 02, 2017 7:05 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Fund Options in 401K
Replies: 4
Views: 449

Re: Bond Fund Options in 401K

bcc1234 wrote:Dreyfus Bond Market Index I DBIRX
<snip>
Prospectus Net Expense Ratio 0.15%

And we have a winner!

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