Search found 4093 matches

by Duckie
Sat Aug 27, 2016 5:17 pm
Forum: Investing - Help with Personal Investments
Topic: Mimicking VG target date fund
Replies: 7
Views: 294

Re: Mimicking VG target date fund

Both me and my wife are in late 30s and have been using VG target 2045 fund for our TIRAs and rollover IRAs for the past few years. Since you have other IRAs it would be better to consider everything in the retirement portfolio as a whole instead of piecemeal. Also, TR2045 has an AA of 54/36/10. Th...
by Duckie
Thu Aug 25, 2016 4:50 pm
Forum: Investing - Help with Personal Investments
Topic: Beginner Help Investing for Retirement
Replies: 20
Views: 1142

Re: Beginner Help Investing for Retirement

I'm probably not quite there yet, but eventually I will have to add a taxable account. Would you recommend a three fund portfolio strategy for that piece, or are there other options that are better? The best options in a taxable account for long-term purposes are a total US stock market fund and/or...
by Duckie
Wed Aug 24, 2016 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: Beginner Help Investing for Retirement
Replies: 20
Views: 1142

Re: Beginner Help Investing for Retirement

I had been considering moving my TIRA over to Vanguard into another Target Retirement Fund. Is this a good option, or are there any specific funds that would be better for that piece? If all your retirement assets are tax-sheltered (and with just a TIRA and SEP IRA listed, they seem so), then a tar...
by Duckie
Tue Aug 23, 2016 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: Beginner Help Investing for Retirement
Replies: 20
Views: 1142

Re: Beginner Help Investing for Retirement

maxroi , welcome to the forum. The last 6 years or so, I have been making max contributions into traditional IRA accounts through JPMorgan Chase. These seem to have fairly large expense ratios (4.5% Load, 1.2% expense ratio). Yuck, that's bad. Transfer the TIRA to a different custodian. I was advis...
by Duckie
Tue Aug 23, 2016 5:42 pm
Forum: Personal Consumer Issues
Topic: Journal of my recent ride through Southern Italy and Sicily
Replies: 12
Views: 1038

Re: Journal of my recent ride through Southern Italy and Sicily

SkierMom wrote:Can you give us the link to your website?

Here's the link to his Southern Italy/Sicily trip.
by Duckie
Sun Aug 21, 2016 4:35 pm
Forum: Investing - Help with Personal Investments
Topic: Investing Beginner Seeking Advice
Replies: 5
Views: 489

Re: Investing Beginner Seeking Advice

john_galt , welcome to the forum. Age: 32 Desired Asset allocation: 90% stocks / 10% bonds Desired International allocation: Uncertain I think 10% bonds is a little low for age 32, but I'll work with it. As for international, Vanguard has found between 20% and 40% of stocks in international to be t...
by Duckie
Sun Aug 21, 2016 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: transferring from 457 to traditional IRA vs simple ira vs 401k
Replies: 4
Views: 236

Re: transferring from 457 to traditional IRA vs simple ira vs 401k

Can I transfer 457b in traditional ira and not make any more contributions? If the 457b is a governmental plan then you are allowed to transfer it to a TIRA and make no further contributions. If the 457b is a non-governmental plan then the only transfer allowed is to another non-governmental 457b. ...
by Duckie
Sat Aug 20, 2016 6:32 pm
Forum: Investing - Help with Personal Investments
Topic: Second Job: Supercharging a SEP-IRA vs Solo 401k? Establish LLC needed?
Replies: 11
Views: 810

Re: Second Job: Supercharging a SEP-IRA vs Solo 401k? Establish LLC needed?

I believe I have to incorporate a solo LLC in order to contribute to both a SEP-IRA and Solo 401k in order to make contributions as an employer. Is that correct? No. You can use a SEP IRA or a solo 401k as a sole proprietor. You don't need the LLC for that purpose. If the IRS deems me to be an empl...
by Duckie
Fri Aug 19, 2016 6:03 pm
Forum: Investing - Help with Personal Investments
Topic: Are all of these 401k options terrible?
Replies: 17
Views: 1136

Re: Are all of these 401k options terrible?

So in my set up for the 401k it has a contribution ranging from 1-50% of every pay period. Does that just mean I can only have 50% of my pay check each period as a contribution to my401k? Yes. That's your company max. Is 50% the max for everyone? No. Every job is different. At mine I could contribu...
by Duckie
Fri Aug 19, 2016 5:49 pm
Forum: Investing - Help with Personal Investments
Topic: Are all of these 401k options terrible?
Replies: 17
Views: 1136

Re: Are all of these 401k options terrible?

I have been investing in Vanguard total stock market Admiral shares, and I want to invest in whatever is as close to that on this list. Anyone have any suggestions? As the others have said the best options are: ⋅ VANGUARD EE BENEFIT INDEX FD 0.02% -- Large caps, 80% of US stocks ⋅&nb...
by Duckie
Fri Aug 19, 2016 3:35 pm
Forum: Investing - Help with Personal Investments
Topic: First-Timer at Rebalancing
Replies: 5
Views: 632

Re: First-Timer at Rebalancing

Forgive my limited knowledge, but my understanding is that the two Roth accounts do not get taxed when funds are withdrawn after 59 1/2, and the 401k is taxable after 59 1/2. Correct. Also, the money in bonds is in the 401k in the Target Retirement account. How can I get the bond funds into tax-she...
by Duckie
Thu Aug 18, 2016 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 401K portfolio
Replies: 6
Views: 479

Re: Help with 401K portfolio

pkcrafter wrote:This would be my pick--

BTIIX Dtsch Equity 500 Index I
HAINX Harbor International
MWTSX Mtr West Total Return Bond

I agree. These are the best options.
by Duckie
Thu Aug 18, 2016 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: Age 30, married, help w/ overall portfolio
Replies: 20
Views: 3339

Re: Age 30, married, help w/ overall portfolio

Should I go 100% stocks (not international, just VSCPX and VINIX) until I am a bit closer to the desired 56% of stocks? Do you mean go 100% stocks for contributions in His 457b? That's fine. Also, if I count the TIAA Traditional as a bond, I'm farther from my desired 20% bonds. Yes, count TIAA Trad...
by Duckie
Thu Aug 18, 2016 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: American Funds F1 Transfer Out of Edward Jones
Replies: 3
Views: 324

Re: American Funds F1 Transfer Out of Edward Jones

Have not called Vanguard, thinking I could ask here first, as to anyone have transferred these F1 funds onto another investment company? I don't know about Fidelity, but when I checked with Vanguard online it shows that all three funds can be transferred to Vanguard but no more shares can be purcha...
by Duckie
Wed Aug 17, 2016 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: First-Timer at Rebalancing
Replies: 5
Views: 632

Re: First-Timer at Rebalancing

Allan Roth suggests putting equity into taxable accounts and bonds (among other asset classes) into bonds for tax efficiency. Does the Bhead community agree with this and how can I accomplish if I have 274K in bonds in taxable accounts? I agree with putting stocks in taxable and bond in tax-shelter...
by Duckie
Wed Aug 17, 2016 7:18 pm
Forum: Investing - Help with Personal Investments
Topic: Investing/Portfolio questions (age 31)
Replies: 3
Views: 359

Re: Investing/Portfolio questions (age 31)

bginvest , welcome to the forum. NPERS (Pension-esque 401k)* $41,000~ *I don't really factor in this account as it is handled more as a pension then actual investments. This could change if I were to switch employers and cash out. I agree with not considering the pension as part of the portfolio ev...
by Duckie
Wed Aug 17, 2016 6:50 pm
Forum: Investing - Help with Personal Investments
Topic: new teacher in Iowa: handling 403b and pension
Replies: 9
Views: 870

Re: new teacher in Iowa: handling 403b and pension

Is there any reason to choose one of these providers (VALIC, Horace Mann, Mass Mutual, Voya) for any reason other than ER? For each potential provider you need to find out: ⋅ What are the fund options and their in-plan expense ratios? ⋅ Are there any extra maintenance fees? &sdo...
by Duckie
Wed Aug 17, 2016 6:30 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on Windfall
Replies: 6
Views: 917

Re: Advice on Windfall

Are the tax exempt bond funds only available in some states? You can get just federal tax-exempt bond funds such as ( VWITX ) Vanguard Intermediate-Term Tax-Exempt Fund Investor Shares (0.20%). Or if you live in a high state-income-tax state such as California or New York you could get state-specif...
by Duckie
Wed Aug 17, 2016 5:40 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio help (Fidelity 401k)
Replies: 2
Views: 276

Re: Portfolio help (Fidelity 401k)

My employer offers the following in the 401k Without knowing your plan expense ratios the best options are: ⋅ FID 500 INDEX INST (FXSIX) -- Large caps, 80% of US stocks ⋅ FID EXT MKT IDX PR (FSEVX) -- Mid/small caps, 20% of US stocks ⋅ VANG TOT INTL STK IS (VTSNX) -- C...
by Duckie
Tue Aug 16, 2016 6:01 pm
Forum: Investing - Help with Personal Investments
Topic: Need help! investments and goals are all over the place
Replies: 15
Views: 1120

Re: Need help! investments and goals are all over the place

Age: 33 Desired Asset allocation: 80% stocks / 20% bonds UNSURE Desired International allocation: xx% of stocks UNKNOWN At age 33 an AA of 20% bonds is slightly aggressive but not overly so. I'd recommend 25% bonds. As for international, Vanguard has found between 20% and 40% of stocks in internati...
by Duckie
Tue Aug 16, 2016 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: IRA or Roth IRA?
Replies: 16
Views: 1107

Re: IRA or Roth IRA?

fireman44 wrote:I have no retirement plans set up.

As a city employee you are probably eligible for a 457b plan (like a 401k). Check with your HR department.
by Duckie
Mon Aug 15, 2016 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: Age 30, married, help w/ overall portfolio
Replies: 20
Views: 3339

Re: Age 30, married, help w/ overall portfolio

sighchological wrote:Is the VSGBX in the Roth IRA still acting as an emergency fund?

It is until you have a real emergency fund.
by Duckie
Sat Aug 06, 2016 6:09 pm
Forum: Investing - Help with Personal Investments
Topic: 403b or taxable account for a teacher?
Replies: 4
Views: 380

Re: 403b or taxable account for a teacher?

So, would I be better putting my money into a taxable account or one of the 403b plans offered by my district? For more information, here is a list of 403b approved vendors for my district: The only way to know is to find out what each provider offers. It's a pain to check but you should because so...
by Duckie
Fri Aug 05, 2016 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: Recharacterize Roth after transfer to new custodian (Fidelity)
Replies: 2
Views: 252

Re: Recharacterize Roth after transfer to new custodian (Fidelity)

whitelab , welcome to the forum. Before I pull the trigger on the transfer to Fidelity -- am I making a big mess for myself? Will Fidelity be able to recharacterize this year's contributions (since they were funded with previous custodian?) Although Fidelity could probably handle it, I wouldn't ris...
by Duckie
Fri Aug 05, 2016 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: pre-tax or after-tax to 457(b)
Replies: 4
Views: 386

Re: pre-tax or after-tax to 457(b)

I have the option of contributing to a 457(b) account either with before-tax contribution or "after-tax as a designated Roth contribution." What questions should I be asking myself to determine which option is better? Read these two articles by tfb :
 The Case Against Roth 401(k) Roth 401...
by Duckie
Fri Aug 05, 2016 5:16 pm
Forum: Investing - Help with Personal Investments
Topic: Age 30, married, help w/ overall portfolio
Replies: 20
Views: 3339

Re: Age 30, married, help w/ overall portfolio

I didn’t realize my steps were so complicated. What would you do to make it more simple? You're using my example numbers as if they're etched in stone. Things don't have to be that precise. Give yourself some wiggle room. I’ll take your advice about doing points 4 and 5 before 1 and 2. Should I jus...
by Duckie
Thu Aug 04, 2016 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: Age 30, married, help w/ overall portfolio
Replies: 20
Views: 3339

Re: Age 30, married, help w/ overall portfolio

Is this correct? It looks okay if overly complicated. One change I would make is to change the investment elections in the 457b and 403b plans first, then a couple of days later change the current assets to the new AA. So do 4 and 5 before you do 1 and 2. (The reason is that in the past I have shif...
by Duckie
Wed Aug 03, 2016 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Foreign Taxes on Vanguard LifeStrategy Funds
Replies: 2
Views: 243

Re: Foreign Taxes on Vanguard LifeStrategy Funds

Does anyone who owns one of the Vanguard Lifestrategy funds or the Target Retirement Funds know if you have to pay foreign taxes on the International stock and bond dividends and capital gains that are part of these funds? Here's the list of 2015 Foreign tax credit worksheets for eligible Vanguard ...
by Duckie
Wed Aug 03, 2016 6:57 pm
Forum: Investing - Help with Personal Investments
Topic: Age 30, married, help w/ overall portfolio
Replies: 20
Views: 3339

Re: Age 30, married, help w/ overall portfolio

I was told to max out the Roth IRA before contributing to the 457B/403B. Since she gets a match in her 403b, contributing enough for the match takes priority over IRA contributions. In both scenarios, won’t the percentages of bonds be a lot higher than my desired AA of 80% stocks, 20% bonds? Yes th...
by Duckie
Wed Aug 03, 2016 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: 401k or Roth 401k?
Replies: 14
Views: 752

Re: 401k or Roth 401k?

iloveramen wrote:Does it make sense to do all pre-tax in my 401K or should I do the Roth 401k?

Here are two articles by tfb:
by Duckie
Wed Aug 03, 2016 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: Form 1116 guidance
Replies: 14
Views: 840

Re: Form 1116 guidance

Does anyone know of a filled out sample of form 1116 that would be similar to my simple situation? A link, sample PDF, or similar would be great to have as a reference. Here's an old explanation for a few of the lines on Form 1116. However, if you paid less than $300 in foreign taxes and meet the o...
by Duckie
Wed Aug 03, 2016 4:51 pm
Forum: Investing - Help with Personal Investments
Topic: Suggestions for financial goals and planning
Replies: 9
Views: 1133

Re: Suggestions for financial goals and planning

Re: IRA - neither my wife nor I have made IRA contirbutions - if we were unable to do the backdoor Roth conversion, there's no point to contributing post-tax dollars to a traditional IRA, correct? Or is there? First, there is no reason you can't do the backdoor Roth. She has no non-Roth IRAs. You o...
by Duckie
Wed Aug 03, 2016 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Question on how to report Backdoor Roth IRA
Replies: 15
Views: 885

Re: Question on how to report Backdoor Roth IRA

stangorang wrote:So in this example, I would need to remember to carry over that $800 remaining basis when doing the 2017 taxes, correct?

Yes. Whatever is on line 14 one year will go on line 2 the next year.
by Duckie
Tue Aug 02, 2016 7:12 pm
Forum: Investing - Help with Personal Investments
Topic: Suggestions for financial goals and planning
Replies: 9
Views: 1133

Re: Suggestions for financial goals and planning

Age: 35 Desired Asset allocation: unsure Desired International allocation: unsure At age 35 with your income I recommend 70% stocks, 30% bonds, with 30% of stocks in international. That breaks down to 49% US stocks, 21% international stocks, and 30% bonds. My 401k: 190k 100% in State Street Target ...
by Duckie
Tue Aug 02, 2016 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: Newlyweds need help with house down payment investment?
Replies: 3
Views: 290

Re: Newlyweds need help with house down payment investment?

Traveling9724 wrote:What sort of account should we move this lump sum to for such a short-term goal?

Money needed in fewer than three years should be in savings accounts, CDs, and/or money market accounts. Even a short-term bond fund could lose money.
by Duckie
Tue Aug 02, 2016 6:12 pm
Forum: Investing - Help with Personal Investments
Topic: Married - both 31, need guidance on asset allocation across accounts and more!
Replies: 13
Views: 1206

Re: Married - both 31, need guidance on asset allocation across accounts and more!

do you know if there are any rollover limits (either in terms of dollars or frequency) that we might need to be aware of? There are no dollar rollover limits. And if moving from employer plans (DCP + 403b) to an IRA there are no frequency rollover limits. (There are some IRA to IRA frequency rollov...
by Duckie
Tue Aug 02, 2016 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Question on how to report Backdoor Roth IRA
Replies: 15
Views: 885

Re: Question on how to report Backdoor Roth IRA

stangorang , your 2015 Form 8606 looks fine. For 2016 here's an example using made-up numbers: Part I Line 1 -- 5,500 Line 2 -- 5,500 (your basis) Line 3 -- 11,000 Line 4 -- 0 Line 5 -- 11,000 Line 6 -- 0 Line 7 -- 0 Line 8 -- 10,200 (4,700 + 5,500) Line 9 -- 10,200 Line 10 -- 1.000 Line 11 -- 10,2...
by Duckie
Tue Aug 02, 2016 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 10
Views: 942

Re: Portfolio Review

What do you mean when you say 'when the 500 index gets large enough'? VEXMX has a $3K minimum to open. If you go 80% 500 Index and 20% Extended Market, then add VEXMX when the value of PRIEX gets up to $12K. This is not critical and VEXMX could be skipped completely. You have 90% of your retirement...
by Duckie
Mon Aug 01, 2016 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement planning vs. Student loans
Replies: 4
Views: 399

Re: Retirement planning vs. Student loans

Open Wide , welcome to the forum. Would this be a good option to begin to go above and beyond the IRA/401k, so that we can maximize the compound interest? Or would it be better to knock out our loans even faster? I think with your amount of debt you should max your tax-sheltered accounts (401ks and...
by Duckie
Mon Aug 01, 2016 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: Married - both 31, need guidance on asset allocation across accounts and more!
Replies: 13
Views: 1206

Re: Married - both 31, need guidance on asset allocation across accounts and more!

In terms of AA across our accounts, can you give us a little guidance in terms of how best to approach this? Here's an example using an AA of 56/24/20: His 403b at GuideStone 77% 56% ( GEQZX ) GuideStone Funds Equity Index Fund Investor Class (0.42%) 21% ( GMDZX ) GuideStone Funds Medium-Duration B...
by Duckie
Mon Aug 01, 2016 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 10
Views: 942

Re: Portfolio Review

You didn't mention an Asset allocation but it looks like you wanted 70% US stocks and 30% bonds and international stocks. Since you're in your early 30s, for the following example I'm going to use an AA of 75% stocks, 25% bonds, with 30% of stocks in international. That breaks down to 53% US stocks,...
by Duckie
Sun Jul 31, 2016 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: 401K options for Girlfriend
Replies: 10
Views: 649

Re: 401K options for Girlfriend

I am working on my girlfriend's 401K options with Fidelity. The best options are: Fidelity Total Market Index Fund (FSTMX) 0.09% -- Complete US stocks Fidelity Diversified International Fund (FDIVX) 1.00% -- Decent international fund, expensive Fidelity Intermediate Bond Fund (FTHRX) 0.45% -- Decen...
by Duckie
Sun Jul 31, 2016 5:55 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 10
Views: 942

Re: Portfolio Review

As far as growth funds vs market. Is there any advantage to holding any growth funds vs the entire market? Not to me if there's a choice. But in employer plans you may not have a choice. You do the best you can with what you have. My options with trowe are What are the 401k plan expense ratios -- n...
by Duckie
Sat Jul 30, 2016 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: IRS questioning my backdoor roth?
Replies: 46
Views: 5676

Re: IRS questioning my backdoor roth?

It still leads to the same result. What are the results? When you look in Forms mode exactly what is on the lines of Form 8606? Under Wages & Income >> Retirement Plans and Social Security >> IRA, 401(k), Pension Plan Withdrawals (1099-R), when you input the information from your 1099-R one of ...
by Duckie
Sat Jul 30, 2016 6:15 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 10
Views: 942

Re: Portfolio Review

mecheng , welcome to the forum. Is there any disadvantage to maintaining 3 separate Vanguard growth funds? The performance varies slightly. Yes. It makes things more complicated but not better. Sell VIGAX, VQNPX, VWUSX, and VIMSX. Just use VTSAX for your US holdings. Should I be holding more intern...
by Duckie
Sat Jul 30, 2016 6:05 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Question [Consolidating Accounts]
Replies: 4
Views: 553

Re: Vanguard Question [Consolidating Accounts]

Jeff 59 , welcome to the forum. My questions.....do I have to sell each American fund and then buy the Vanguard Fund after the sale occurs? Yes. You sell each fund you don't want and buy what you do want. Or is there an easier way to just do some sort of transfer? No. If I have to sell each one ind...
by Duckie
Sat Jul 30, 2016 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: Married - both 31, need guidance on asset allocation across accounts and more!
Replies: 13
Views: 1206

Re: Married - both 31, need guidance on asset allocation across accounts and more!

What would you recommend the AA for international stocks be? We've read in this forum and other sites that 20-40% is a good allocation for international. Vanguard has found between 20% and 40% of stocks in international to be the "sweet spot". See the Vanguard paper link and the discussio...
by Duckie
Fri Jul 29, 2016 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Wife quitting job as I was transferred to Japan--> Need help on 403B/457 strategy
Replies: 1
Views: 309

Re: Wife quitting job as I was transferred to Japan--> Need help on 403B/457 strategy

I was thinking of rolling over the ~35K in my wife's 403B and 457B to a Trad IRA at Vanguard due to the higher fees and for simplicity sake. Risks are 1) the negative (?) impact on backdoor Roth ability in 2017 and 2) 2017 unemployment leading to lower total income in 2017 (though this is hard to a...
by Duckie
Fri Jul 29, 2016 7:27 pm
Forum: Investing - Help with Personal Investments
Topic: Following up a year later
Replies: 12
Views: 1737

Re: Following up a year later

Gronnie wrote:I was under the impression the ER on a stable value fund doesn't matter? It pays what it states it pays, and that is after the ER?

That's correct. The interest rate is after expenses.
by Duckie
Fri Jul 29, 2016 7:25 pm
Forum: Investing - Help with Personal Investments
Topic: Leaving Advisor - Switching to Vanguard - Need AA Advice
Replies: 3
Views: 511

Re: Leaving Advisor - Switching to Vanguard - Need AA Advice

MMMsentMe , welcome to the forum. Age: 24 Desired Asset allocation: 85% stocks / 15% bonds. Desired International allocation: Unsure. Would like some input on this. Vanguard has found between 20% and 40% of stocks in international to be the "sweet spot". See the Vanguard paper link and th...

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