Search found 4244 matches

by Duckie
Sun Dec 04, 2016 6:57 pm
Forum: Investing - Help with Personal Investments
Topic: HSA asset class.
Replies: 4
Views: 420

Re: HSA asset class.

My intent with the HSA is as an investment vehicle, not to use it for medical expenses (but it is nice to know it is there in a worst-case scenario). <snip> What type of things to consider in HSA investing? Since you are planning to hold the HSA assets for retirement but may need them in a medical ...
by Duckie
Sat Dec 03, 2016 6:33 pm
Forum: Investing - Help with Personal Investments
Topic: Looking to simplify porfolio and adjust allocation-help, please!
Replies: 5
Views: 574

Re: Looking to simplify porfolio and adjust allocation-help, please!

deskjockey , welcome to the forum. New annual Contributions $18k plus $7,200 match for his TSP $18k plus $7,200 match for her TSP $5k his Roth IRA $5k her Roth IRA It's $5.5K per year for IRAs. I have two reasons for considering consolidating and paring down--to simplify accounting/tax prep and to ...
by Duckie
Sat Dec 03, 2016 5:34 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Bonds and stock allocation help!!
Replies: 2
Views: 267

Re: 401K Bonds and stock allocation help!!

I will need to withdraw all the money in approximately 5 years, and based on, that I'll need to change my portfolio. I was told to change my portfolio to no more that 20% stocks and 80% stocks. If you need to spend the money from both accounts in five years then 20% stocks, 80% bonds/cash is the mo...
by Duckie
Fri Dec 02, 2016 7:05 pm
Forum: Investing - Help with Personal Investments
Topic: Should I Rollover CREF into TSP?
Replies: 5
Views: 461

Re: Should I Rollover CREF into TSP?

Psephomancer wrote:Are there any reasons why I should NOT roll the CREF Stock into the TSP, but should keep it in CREF?

No. Because you are using the backdoor method and as long as the 403b is a former 403b, moving it to your TSP is a good idea.
by Duckie
Thu Dec 01, 2016 7:41 pm
Forum: Investing - Help with Personal Investments
Topic: Financial Engines Link (where did it go?)
Replies: 3
Views: 279

Re: Financial Engines Link (where did it go?)

Vanguard changed their home screen (account overview). I no longer see the link for Financial Engines. Any idea where to find it now? Typing "financial engines" into the search box the best link I found was: Find out how you're doing with Personal Online Advisor Is this what you mean?
by Duckie
Thu Dec 01, 2016 6:49 pm
Forum: Investing - Help with Personal Investments
Topic: TLH Question - Muni Replacement: Bond Fund or MM?
Replies: 5
Views: 464

Re: TLH Question - Muni Replacement: Bond Fund or MM?

plover wrote:Just putting everything into a Money Market fund seems so easy, because 1) it's conservative, 2) it's definitely not similar, 3) it's only for a month.
<snip>
I plan to buy the original funds when 31 days have passed.

Just use the money market. No muss, no fuss.
by Duckie
Thu Dec 01, 2016 6:29 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Checkup / What to put in new Roth IRA?
Replies: 7
Views: 658

Re: Portfolio Checkup / What to put in new Roth IRA?

Is that kind of record keeping needed in case of an audit or something? I never even thought to keep that detailed of records! You could probably get away with a yearly total for each type of action (as long as everything was done in and for the same year). So, all contributions on one line, all tr...
by Duckie
Thu Dec 01, 2016 4:19 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Checkup / What to put in new Roth IRA?
Replies: 7
Views: 658

Re: Portfolio Checkup / What to put in new Roth IRA?

You do need to keep a list somewhere (paper or computer) of every contribution, rollover, conversion, re-characterization, etc. with dates and amounts for all your IRAs. Other than moving this account, I don't think we'll run into any other rollovers or anything as I can't see a realistic scenario ...
by Duckie
Wed Nov 30, 2016 6:18 pm
Forum: Investing - Help with Personal Investments
Topic: Rollover tIRA to 401k and fund choice advice
Replies: 4
Views: 289

Re: Rollover tIRA to 401k and fund choice advice

brcarls , welcome to the forum. Funds available in 401(k) The best options are: ⋅ INDEX EQUITY FUND 0.03% -- Large caps, 80% of US stocks ⋅ WILSHIRE 4500 INDEX 0.07% -- Mid/small caps, 20% of US stocks ⋅ INTERNATIONAL CORE FUND 0.52% -- International, expensive & p...
by Duckie
Wed Nov 30, 2016 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Checkup / What to put in new Roth IRA?
Replies: 7
Views: 658

Re: Portfolio Checkup / What to put in new Roth IRA?

Another question about the rollover, will the rolling over have any impact on differentiating contributions vs earnings or anything like that should the worst possible circumstances occur and we need to withdrawal contributions? No. You're just moving assets from one custodian to another. You do ne...
by Duckie
Tue Nov 29, 2016 6:55 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Checkup / What to put in new Roth IRA?
Replies: 7
Views: 658

Re: Portfolio Checkup / What to put in new Roth IRA?

All available funds in My 401(k): The best options are: ⋅ State Street S&P 500 Index Fund (0.003%) -- Large caps, 80% of US stocks ⋅ SS MID/SMALL INDEX (0.04%) -- Mid/small caps, 20% of US stocks ⋅ SS INTL INDEX (0.08%) -- Probably just developed markets ⋅&nbs...
by Duckie
Sun Nov 27, 2016 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Need some help with overall finance direction (goals and information included) - late 20s / early 30s couple
Replies: 7
Views: 1041

Re: Need some help with overall finance direction (goals and information included) - late 20s / early 30s couple

$5.5K in my Roth IRA (2016 contribution & fully allocated to Vanguard Target Retirement 2055). $5.5K in my husband's Roth IRA (2016 contribution & fully allocated to Vanguard Target Retirement 2050). $165K + $47K - $18K - $11K = $183K. You're right on the edge of the income limits for Roth ...
by Duckie
Sat Nov 26, 2016 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: High risk retirement portfolio for young investor
Replies: 3
Views: 505

Re: High risk retirement portfolio for young investor

avt, go to your original post, click on the edit button (the little pencil at the top right) and add "in Norway" to your title.
by Duckie
Sat Nov 26, 2016 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: Help me advise my parents on AA? Questions on tax-efficiency
Replies: 12
Views: 924

Re: Help me advise my parents on AA? Questions on tax-efficiency

Current retirement assets, $1M including cash balance of pension. They will take the pension lump sum. Are they sure about the lump sum? In many cases it's better to take pensions in monthly payments. Does this asset allocation (54/36/10) make sense? If it's 54% US stocks, 36% bonds, 10% cash, then...
by Duckie
Fri Nov 25, 2016 6:47 pm
Forum: Investing - Help with Personal Investments
Topic: Maxed 401k - Now What?
Replies: 12
Views: 1970

Re: Maxed 401k - Now What?

My HSA has a "receipt vault" function. I scan & upload each one, with dates and other info I need for later reimbursement. Hope this will work, since I already lost the original ones. Make sure you also have some kind of copy on your own computer, just in case your HSA (or its website...
by Duckie
Thu Nov 24, 2016 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Fund Min. $
Replies: 2
Views: 381

Re: Vanguard Fund Min. $

Couldn't someone just buy one 3,000 k min. fund and a 1 k fund and then just immediately re-balance it to whatever proportions you wanted? At Vanguard, when your fund drops below its minimum because of market fluctuations they usually don't do anything. But if your fund drops below its minimum beca...
by Duckie
Thu Nov 24, 2016 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Cashing in 401k
Replies: 13
Views: 1285

Re: Cashing in 401k

indexaway wrote:What are the best options to do this with the least impact?

If he does this he's going to lose about $250K for regular taxes plus an extra $75K for the penalty, leaving only $425K. This is a really bad idea. New businesses frequently die.
by Duckie
Thu Nov 24, 2016 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: Maxed 401k - Now What?
Replies: 12
Views: 1970

Re: Maxed 401k - Now What?

why did you suggest I drop the short-term and PIMCO funds? I initially chose to use those just to get a little more short-term fixed income exposure from the Govt Short Term Index (since the Bond Index is more intermediate term) and to get some diversification around inflation exposure with the PIM...
by Duckie
Wed Nov 23, 2016 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: for a friend TIRA question
Replies: 8
Views: 470

Re: for a friend TIRA question

why the need to have TIRA and solo 401k (after 59 1/2 you need to pay tax on both) You don't need to pay taxes on pre-tax amounts until you withdraw them and you have until age 70.5 before withdrawals are required. Most people don't withdraw until after retirement when their tax brackets are usuall...
by Duckie
Wed Nov 23, 2016 5:51 pm
Forum: Investing - Help with Personal Investments
Topic: Maxed 401k - Now What?
Replies: 12
Views: 1970

Re: Maxed 401k - Now What?

overandout , welcome to the forum. In essence, my question is whether I should be contributing to my after-tax 401K (even though I can't rollover while I stay at this employer), to a traditional IRA and backdoor Rothing, or to a normal taxable brokerage account. Even if the answer is to backdoor Ro...
by Duckie
Wed Nov 23, 2016 5:22 pm
Forum: Investing - Help with Personal Investments
Topic: for a friend TIRA question
Replies: 8
Views: 470

Re: for a friend TIRA question

looking at Vanguard website, i found out .. she can open a individual 401k (she is self employed and no employees) :confused - can she open and contribute for both (t ira and i 401k)? ... (do not know much I have a simple ira/tira/roth) anyone can explain hows both contribution works? (I know she c...
by Duckie
Wed Nov 23, 2016 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: Keep it simple at high income level?
Replies: 34
Views: 5732

Re: Keep it simple at high income level?

snack attack , welcome to the forum. My question is, at contribution levels of 150 or 200k per year, does the taxable investment strategy change at all? At that level the only real difference is that if you need bonds in taxable (because you run out of room in tax-sheltered) then use tax-exempt mun...
by Duckie
Wed Nov 23, 2016 5:07 pm
Forum: Investing - Help with Personal Investments
Topic: New to investing and requesting assistance
Replies: 11
Views: 874

Re: New to investing and requesting assistance

Calliope , welcome to the forum. My dad suggested this would be a good place to start. He gave me a long reading list and the address for this forum and said "Go learn". LOL You have a very smart father. They are covering all my expenses other then transportation costs (train, gasoline), ...
by Duckie
Tue Nov 22, 2016 8:18 pm
Forum: Investing - Help with Personal Investments
Topic: Help choose 401k funds (new options added)
Replies: 4
Views: 395

Re: Help choose 401k funds (new options added)

My employer updated their 401k now with the following options: The best options are: ⋅ Vanguard 500 Index Admiral, VFIAX (0.05) -- Large caps, 80% of US stocks ⋅ Vanguard Mid Cap Index Fund - Admiral, VIMAX (0.08) -- Mid caps, 6% of US stocks ⋅ Vanguard Small Cap Growt...
by Duckie
Mon Nov 21, 2016 6:52 pm
Forum: Investing - Help with Personal Investments
Topic: Wisdom of decision
Replies: 17
Views: 1713

Re: Wisdom of decision

The company is Fidelity and they have some good low cost funds. You can stay at Fidelity (but drop the advisor) and use index funds for the Rollover IRA. The best options are: ⋅ ( FSTMX ) Fidelity Total Market Index Fund Investor Class (0.09%) -- Complete US stocks, $2.5K minimum or FSTVX...
by Duckie
Sun Nov 20, 2016 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Forms 1009-Q and 1098-T
Replies: 12
Views: 520

Re: Forms 1009-Q and 1098-T

I received a CP2000 notice from the IRS because I didn't record the income reported on 1099-Q from a 529 plan. I know how to respond to the CP2000 letter but I am trying to figure out how to file a 1040X. If any of the amount in Box 2 is taxable because it wasn't used for qualifying educational exp...
by Duckie
Sat Nov 19, 2016 6:03 pm
Forum: Investing - Help with Personal Investments
Topic: A few questions to build confidence going into managing on my own
Replies: 8
Views: 976

Re: A few questions to build confidence going into managing on my own

Correct me if I'm wrong but essentially VIGIX and VIVIX are the equivalent of VIIIX and lower ER? Yes. Put all bonds in pre-tax accounts when possible, so with an AA of 52/18/30 you could have: His 401k -- $130K -- 62% 14% ( VIIIX ) Vanguard Institutional Index Fund Institutional Plus Shares (0.02%...
by Duckie
Sat Nov 19, 2016 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: New To Investing: Am I on the right path?
Replies: 24
Views: 1351

Re: New To Investing: Am I on the right path?

The following are my current options with expense ratios under .50% out 29 funds offered. The best options are: ⋅ FID 500 INDEX INST (FXSIX) @ .035% -- Large caps, 80% of US stocks ⋅ FID EXT MKT IDX PR (FSEVX) @ .07% -- Mid/small caps, 20% of US stocks ⋅ VANG TOT INTL ...
by Duckie
Fri Nov 18, 2016 9:08 pm
Forum: Investing - Help with Personal Investments
Topic: New To Investing: Am I on the right path?
Replies: 24
Views: 1351

Re: New To Investing: Am I on the right path?

OnedayAHouse wrote:I guess my only other question is if once you meet the minimum requirement to start an IRA, can you make contributions large or small at any time? or do you have to wait and max it out once yearly?

Once you meet the minimum to fund the account you can make large or small contributions at any time.
by Duckie
Fri Nov 18, 2016 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: Investment options for non US citizen in the USA
Replies: 1
Views: 193

Re: Investment options for non US citizen in the USA

nodice89 , welcome to the forum. I am on an international organization/diplomatic visa in the US. What are investment options in the US for non US citizens? I have been unable to open a Vanguard account and other personal investment accounts with US banks (although I do bank with a US credit union)...
by Duckie
Fri Nov 18, 2016 8:26 pm
Forum: Investing - Help with Personal Investments
Topic: Switching To A Three-Fund Portfolio
Replies: 15
Views: 2449

Re: Switching To A Three-Fund Portfolio

401k US Stocks 60% Columbia Large Cap Index Fund Class Z NINDX Fee 0.20% International Stocks 15% Fidelity International Index Fund - Premium Class FSIVX Fee 0.08% Bond Index 25% Fidelity U.S. Bond Index Fund - Premium Class FSITX Fee 0.05% Roth IRA 60% Vanguard Total Stock Market Index 15% Vanguar...
by Duckie
Fri Nov 18, 2016 7:55 pm
Forum: Investing - Help with Personal Investments
Topic: Gearing up for Backdoor Roth in 2017
Replies: 8
Views: 833

Re: Gearing up for Backdoor Roth in 2017

WorkToLive wrote:Am I goofing up anywhere?

As long as the new 403b takes the TIRA it'll work.

Have you filled out a mock IRS Form 8606 so you know how it's supposed to work?
by Duckie
Fri Nov 18, 2016 7:33 pm
Forum: Investing - Help with Personal Investments
Topic: Removing Excess Contribution from Vanguard Coverdell IRA
Replies: 1
Views: 175

Re: Removing Excess Contribution from Vanguard Coverdell IRA

WorkToLive wrote:I cannot seem to locate the form to remove an excess contribution from a Vanguard Coverdell IRA. Can anyone help?

A Coverdell is an ESA. On Vanguard's Get the right form page it has "Excess Contribution Removal Form for IRA & ESA Kit".
by Duckie
Fri Nov 18, 2016 7:24 pm
Forum: Investing - Help with Personal Investments
Topic: A few questions to build confidence going into managing on my own
Replies: 8
Views: 976

Re: A few questions to build confidence going into managing on my own

Dagda , welcome to the forum. Age: 38/38 (20+ years from retirement) Desired Asset allocation: 80% stocks / 20% bonds (considering maybe adjusting to 75/25 or 70/30) Desired International allocation: 20-25% of stocks At your ages I'd be 70% stocks, 30% bonds, with 25% of stocks in international. Th...
by Duckie
Tue Nov 15, 2016 7:46 pm
Forum: Investing - Help with Personal Investments
Topic: Help with simplification
Replies: 7
Views: 663

Re: Help with simplification

What should I be doing with my company 401K which is my largest holding? The best options are: ⋅ Fidelity Spartan 500 Index FXSIX 0.04 -- Large caps, 80% of US stocks ⋅ Fidelity Extended Market Index FSEVX 0.07 -- Mid/small caps, 20% of US stocks ⋅ Vanguard Total Intl ...
by Duckie
Tue Nov 15, 2016 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Scaling
Replies: 8
Views: 820

Re: Portfolio Scaling

What are some reasons I wouldn't want to roll my old 401k into an IRA? It seems it would be best to get it under my control in lower fee vanguard funds, but I guess if i could roll it into my new 401k it would allow me to get a larger sum in that 401k. Is this the reason you question it? There are ...
by Duckie
Mon Nov 14, 2016 8:04 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Retirement Account
Replies: 20
Views: 2205

Re: TIAA Retirement Account

Age: 33 <snip> I am quite risk-averse. Given that information I would go with an AA of 75% stocks, 25% bonds, with 30% of stocks in international. That breaks down to 53% US stocks, 22% international stocks, and 25% bonds. Equities/ Gross Expense Ratio The best options are: ⋅ Vanguard Tot...
by Duckie
Mon Nov 14, 2016 7:35 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Scaling
Replies: 8
Views: 820

Re: Portfolio Scaling

2016 Year-End Balances Roth IRA (Vanguard) - $11.5k 401k (Empower Retirement) - $21k Taxable (Vanguard) - $10k <snip> 2017 Year-End Balances (projected) Roth IRA (Vanguard) - $17k IRA (rollover - Vanguard) - $21k 401k (Fidelity) - $18k Taxable (Vanguard) - $24k Are you sure you want to roll your ol...
by Duckie
Mon Nov 14, 2016 7:21 pm
Forum: Investing - Help with Personal Investments
Topic: Question about old 403b and fund selections?
Replies: 1
Views: 124

Re: Question about old 403b and fund selections?

matcpow , welcome to the forum. Fidelity Freedom K® 2050 Fund https://retiretxn.fidelity.com/nbretail/workplacefunds/summary/2182suppressFundFactSheet=false . This link requires a login. Should I change my old 403b account into an IRA(more funds to pick from) or roll it over into my new 403b? My ne...
by Duckie
Thu Nov 10, 2016 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice needed
Replies: 17
Views: 1443

Re: Portfolio advice needed

A Would it be worth opening up a taxable account before I can max out my 401k? Should I stick to something like portfolio #1 in this case until I am able to max out the 401k and have money left over to invest? If the taxable account will be for retirement then wait until you are maxing your tax-she...
by Duckie
Mon Nov 07, 2016 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth - IRS asking for 1040X
Replies: 3
Views: 466

Re: Backdoor Roth - IRS asking for 1040X

I just received a letter from the IRS acknowledging our submission and stating that we must amend our return and file a 1040X. Given that these were nondeductible traditional IRA contributions and we did not convert them to Roths in 2015, why would I need to file a 1040x since I don't believe there...
by Duckie
Sun Nov 06, 2016 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Sister scammed online, several $K - not sure what to advise
Replies: 68
Views: 5620

Re: Sister scammed online, several $K - not sure what to advise

To make matters worse, the promissory note he signed, that she put in an envelope on her desk, has disappeared. Was he ever in her house? Has she checked to see if anything else is missing/disturbed? Could he have gotten access to her social security number or bank account numbers? Did she ever get...
by Duckie
Sun Nov 06, 2016 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: First time 401K investor Need Help with Choices
Replies: 12
Views: 913

Re: First time 401K investor Need Help with Choices

From what I read, 18,000 is the max that you can invest in 401k and another 5500 in a different IRA? Any recommendations on where I should open up another IRA (my company offers a HSA also)? A 401k is not an IRA. 401ks and IRAs are both tax-sheltered retirement plans but they are not the same thing...
by Duckie
Sat Nov 05, 2016 5:24 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice needed
Replies: 17
Views: 1443

Re: Portfolio advice needed

The only issue with maxing the $18,000 in the 401k is that I would like to continue saving for a house. I will play with the numbers and see how much i can contribute. Im at 15% now. In that case after removing the emergency fund money from the $83K, you could consider the rest of it the start of y...
by Duckie
Sat Nov 05, 2016 3:18 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice needed
Replies: 17
Views: 1443

Re: Portfolio advice needed

With the 401k would it be advised to not go with the Target date fund? With the expense ratio being low and the solid diversification it seems like less I have to worry about with an actively managed fund. It depends on what your other 401k options are. List them for us. Another question I have is ...
by Duckie
Fri Nov 04, 2016 6:19 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice needed
Replies: 17
Views: 1443

Re: Portfolio advice needed

MTBMR , welcome to the forum. Emergency Fund: Yes. I guess this could be used for an emergency but it is really just what I have saved. About $83,000. Before you invest, set aside some of that for a real emergency fund, at least three months' expenses. Things happen. This money should be in savings...
by Duckie
Fri Nov 04, 2016 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvest -- partner funds VLCAX & VTSAX?
Replies: 8
Views: 788

Re: Tax Loss Harvest -- partner funds VLCAX & VTSAX?

chiefBH , welcome back. If I'm swapping between VLCAX<->VTSAX in my taxable account for TLH purposes, then I think the only substantially identical fund I need to worry about for potential wash-sales (e.g. dividends reinvesting) is the VLCAX holding in my Roth IRA, correct? Correct. In particular I...
by Duckie
Thu Nov 03, 2016 4:31 pm
Forum: Investing - Help with Personal Investments
Topic: Help! This is my new 401k plan. Worth transferring old 401k into it?
Replies: 11
Views: 792

Re: Help! This is my new 401k plan. Worth transferring old 401k into it?

I have investments in my old 401k plan that stayed with a former employer. My fee there is 0.91% for my 3 fund investment portfolio. I have my money in Vanguard funds (VFIAX, VTIAX and VEXAX). Total 0.91% expense fees. By total do you mean 0.91% for each of the three funds or what? My question is ....
by Duckie
Thu Nov 03, 2016 4:05 pm
Forum: Investing - Help with Personal Investments
Topic: Opening a Vanguard account as a foreigner with a U.S. address?
Replies: 1
Views: 170

Re: Opening a Vanguard account as a foreigner with a U.S. address?

cowoxu3 , welcome to the forum. Can I buy U.S. domiciled Vanguard mutual funds if I am a foreign citizen and non-resident but I own a U.S. address? As far as I know, to use Vanguard you will need a Taxpayer Identification Number and a U.S. address. Since you are a non-resident alien and can't open ...
by Duckie
Thu Nov 03, 2016 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: First time 401K investor Need Help with Choices
Replies: 12
Views: 913

Re: First time 401K investor Need Help with Choices

The Stable Value Fund: was this what you were asking for pay? STABLE VALUE FUND INVESCO STABLE VALUE RET CL 4 12/28/2010 0.70% 1.40% 1.17% 1.24% N/A 1.32% Yes. I'm not sure which is the current interest rate, but none of them are high enough to use this fund. Most 'more experienced' investors have ...

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