Search found 455 matches

by EHEngineer
Mon May 29, 2017 11:04 am
Forum: Investing - Theory, News & General
Topic: Using the Funded Ratio to drive your retirement investment plan
Replies: 19
Views: 993

Re: Using the Funded Ratio to drive your retirement investment plan

Any suggestions for best websites to find prices for a deferred annuity and/or SPIA? I would start here: https://investor.vanguard.com/annuity/ The youngest quoted age from vanguard is 55. Immediateannuities.com quotes at age 40 with a maximum deferment of 25 years. I couldn't find quotes from eith...
by EHEngineer
Wed May 24, 2017 10:53 pm
Forum: Investing - Theory, News & General
Topic: Eliminating Single Positions and Moving to Index Fund
Replies: 27
Views: 2601

Re: Eliminating Single Positions and Moving to Index Fund

What percent of your portfolio do the individual stocks represent? If you plan on making charitable contributions, I recommend using a donor advised fund. Donate the appreciated shares and you can both avoid the CG tax and take a deduction of the current value. win win. Do you have any losses that c...
by EHEngineer
Tue May 23, 2017 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 401k Fund options.
Replies: 5
Views: 325

Re: Help with 401k Fund options.

Hi bouldert, First, congratulation on taking control of your finances. based on your questions, I think you should use the 2045 target retirement fund. It will do all the work for you, and prevent you from making a mistake. If you enjoy managing investements and figure out your desired asset allocat...
by EHEngineer
Tue May 23, 2017 1:35 pm
Forum: Investing - Theory, News & General
Topic: "The Problem With Factor Investing Research"
Replies: 58
Views: 2549

Re: "The Problem With Factor Investing Research"

too bad larry isn't here to poke bunch of holes in that article. I doubt Larry would poke a bunch of holes in the article. There's literally nothing even a little bit controversial in the article. It is the same exact argument that Larry makes in his own articles (and books) on factors, using the s...
by EHEngineer
Tue May 23, 2017 9:25 am
Forum: Investing - Theory, News & General
Topic: "The Problem With Factor Investing Research"
Replies: 58
Views: 2549

Re: "The Problem With Factor Investing Research"

The author of that article runs an investment firm called alpha architect. I clicked around a little and found they recommend "high conviction momentum investing" with a basket of 50 stocks based on a screen of past performance. 50! Not a firm/person that I would trust. too bad larry isn't...
by EHEngineer
Fri May 19, 2017 9:18 am
Forum: Investing - Help with Personal Investments
Topic: Additional Tax Savings for Employed High Earner?
Replies: 9
Views: 624

Re: Additional Tax Savings for Employed High Earner?

Hi danielnash, Congratulations on having such a huge income. That's impressive. Several things you can do. 0) Have you read the guide on tax efficient fund placement? https://www.bogleheads.org/wiki/Tax-efficient_fund_placement 1) Is your 401k decent? Ie. low cost broad index funds and low account f...
by EHEngineer
Fri May 19, 2017 9:03 am
Forum: Investing - Help with Personal Investments
Topic: Help with investing
Replies: 6
Views: 304

Re: Help with investing

Hello I have about 50k in Santander MMA which i do not intend to use in next 5 years and looking for tips on investing.I have my brokerage, roll over IRA and IRA account with Fidelity. Any suggestions? Thanks in advance for your assistance. Hi new000, Welcome to Bogleheads. I am going to disagree w...
by EHEngineer
Thu May 18, 2017 11:13 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Re-balancing Math: Help Needed
Replies: 3
Views: 244

Re: Asset Allocation Re-balancing Math: Help Needed

Combine the values of both accounts. Then multiply the desired allocation for each symbol by the total dollar amount. If you have a total of $10000 in both accounts, your rebalancing targets would be as below: VBMPX 0.200 $2,000.00 VIIIX 0.486 $4,860.00 VMCPX 0.024 $240.00 VSCPX 0.090 $900.00 SWISX...
by EHEngineer
Tue May 16, 2017 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Retirees afraid to spend? (Bloomberg)
Replies: 47
Views: 2423

Re: Retirees are hoarding cash

Nothing about "cash" in that article. You correctly identified that they are discussing spend rate would-a/could-a/should-a. Spoiler alert, people don't want to run out of assets in old age, and people generally don't like SPIAs.
by EHEngineer
Mon May 15, 2017 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: staying the course (goals met but rolling backwards)
Replies: 18
Views: 994

Re: staying the course (goals met but rolling backwards)

Try living on one income for a year, as if you only had your income (ie still meeting your savings goals from that one income). Maybe one of you will change your mind. Even if it doesn't change anything, you'll save some extra dough.
by EHEngineer
Fri May 05, 2017 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: CD Asset allocation
Replies: 4
Views: 675

Re: CD Asset allocation

Assuming you set up your Asset Allocation to provide you with what you need for retirement at FRA you shouldn't count the CDs since they are merely your living costs for the next 5 years. I agree, its not part of your retirement asset allocation. It's a special bucket, for medium term living expens...
by EHEngineer
Fri May 05, 2017 1:14 pm
Forum: Investing - Help with Personal Investments
Topic: Sale of investment advisor (Scout Investments) - should we worry?
Replies: 3
Views: 403

Re: Sale of investment advisor (Scout Investments) - should we worry?

Your fund has outperformed vanguard total international and vanguard developed markets during your 20 year ownership, not by a little, by a lot! Congratulations, you picked a winner. Normally I would run away from a 1% ER, but gosh it has done so well for you. Maybe sell half and keep half? How much...
by EHEngineer
Wed May 03, 2017 11:00 am
Forum: Investing - Help with Personal Investments
Topic: My dad needs my help.
Replies: 50
Views: 4696

Re: My dad needs my help.

livesoft wrote:You want more reasons for not using CDs? Here is an article about "Cash Cushion:" https://earlyretirementnow.com/2017/03/ ... h-cushion/


Irrelevant. OP's withdrawal rate is less than 1%.
by EHEngineer
Wed May 03, 2017 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Creditor laws
Replies: 8
Views: 330

Re: Creditor laws

Very helpful approaches. Thank you so much for verifying that with links.. kind of you. I sat down to write a letter and as I started, the Ambulance service called me. It was a different agent, and she explained: The agencies conferre and they've arranged that if I call today and pay the Creditor, ...
by EHEngineer
Wed May 03, 2017 10:51 am
Forum: Investing - Help with Personal Investments
Topic: My dad needs my help.
Replies: 50
Views: 4696

Re: My dad needs my help.

As Bernstein says: when you've won the game, stop playing. Target Retirement Income is used when one has stopped playing. Unlike CDs, one can withdraw the money at any time for a new car, a new roof, to pay off the mortgage, a new girlfriend, ,,,, whatever. Also no renewing hassles with Target Reti...
by EHEngineer
Wed May 03, 2017 10:18 am
Forum: Investing - Help with Personal Investments
Topic: My dad needs my help.
Replies: 50
Views: 4696

Re: My dad needs my help.

I have to agree with the suggestion to just take all the IRA + Roth IRA money and move it to Vanguard and put it in the Target Retirement Income Fund. Vanguard will be able to calculate the RMD each year, so he can transfer it to his checking account. It is simplicity itself. This is so obvious to ...
by EHEngineer
Wed May 03, 2017 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Car Warranty Lies
Replies: 32
Views: 3657

Re: Car Warranty Lies

I'd probably just cancel it. Extended warranties don't make much sense on new vehicles. I know more than I should about these things. That's the plan. Just bummed I gained no value and don't get it all back, like I was told. I'll probably research cheaper more highly rated alternatives too. Make su...
by EHEngineer
Wed May 03, 2017 10:08 am
Forum: Investing - Help with Personal Investments
Topic: My dad needs my help.
Replies: 50
Views: 4696

Re: My dad needs my help.

I get your point. However, given that Dad have been paying 1% advisors, how well informed could he be? In my experience, relationship risks only arise when money is lost. CDs avoid that, and would avoid the vast majority of relationship risk. I supposed the Son's preferred bank could provide bad cu...
by EHEngineer
Wed May 03, 2017 9:58 am
Forum: Investing - Help with Personal Investments
Topic: My dad needs my help.
Replies: 50
Views: 4696

Re: My dad needs my help.

Don't let the amount of money bother you. If you are comfortable investing your own money in smaller amounts, the considerations are exactly the same when there are more zeroes. Technically true, but human behaviour can vary with portfolio size. Son may have a desire to avoid a bad phone call when ...
by EHEngineer
Wed May 03, 2017 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Creditor laws
Replies: 8
Views: 330

Re: Creditor laws

My best suggestion is ask the ambulance company to pull the debt back from the debt collector. What was the before and after credit score? I have never heard of a no-contact state. I know you can tell a creditor to not contact you (the so-called "drop dead" letter) after which they are not...
by EHEngineer
Wed May 03, 2017 9:44 am
Forum: Investing - Help with Personal Investments
Topic: My dad needs my help.
Replies: 50
Views: 4696

Re: My dad needs my help.

Don't let the amount of money bother you. If you are comfortable investing your own money in smaller amounts, the considerations are exactly the same when there are more zeroes. Technically true, but human behaviour can vary with portfolio size. Son may have a desire to avoid a bad phone call if/wh...
by EHEngineer
Wed May 03, 2017 9:41 am
Forum: Investing - Help with Personal Investments
Topic: Bond Fund Advice
Replies: 10
Views: 889

Re: Bond Fund Advice

The 3-Fund Portfolio appeals to my quest for simplicity. We currently own 6 funds – all Vanguard - and would like your opinion about perhaps winnowing down to 3 funds. Our AA is 55/45. 55% of our portfolio is in a taxable account (Total Stock Index and Total International Index) and the other 45% i...
by EHEngineer
Wed May 03, 2017 9:22 am
Forum: Investing - Help with Personal Investments
Topic: My dad needs my help.
Replies: 50
Views: 4696

Re: My dad needs my help.

My father my nature is frugal and conservative. As for me, I am in my early 30s, young professional, and am comfortable with my own investing in the tens of thousands but to have to make a decision that will affect hundreds of thousands and my father's financial future feels like jumping into the d...
by EHEngineer
Wed May 03, 2017 9:03 am
Forum: Investing - Help with Personal Investments
Topic: Looking for reqistered inv. advisor in Raleigh, NC area
Replies: 3
Views: 270

Re: Looking for reqistered inv. advisor in Raleigh, NC area

I have a friend in the triangle who recently asked the same question. Based on membership in the garrett financial planning network, and this website, I recommended this firm/advisor: http://www.sycamorefinancialplanning.com/ I don't live there and have never called him. You can search garrett yours...
by EHEngineer
Tue May 02, 2017 11:20 pm
Forum: Investing - Help with Personal Investments
Topic: Unfunded, non-qualified deferred plan - What is this thing?
Replies: 18
Views: 1268

Re: Unfunded, non-qualified deferred plan - What is this thing?

Sounds like a 457. The main issue with 457s is that while the company holds your deferred comp, it is subject to the claims of the company's creditors. So the usual recommendation is pass on the 457 unless you work for a government, in which case your deferred comp is not subject to the claims of go...
by EHEngineer
Tue May 02, 2017 11:03 pm
Forum: Investing - Help with Personal Investments
Topic: Help with asset allocation
Replies: 13
Views: 990

Re: Help with asset allocation

I did notice that our TSP "I fund" is setup to match the performance of the MSCI EAFE (Europe, Australia, Far East) index. Do you have any input on what disadvantage this fund has to the Vanguard Total International Stock fund? (it wouldn't be hard to use one Roth IRA for domestic and one...
by EHEngineer
Tue May 02, 2017 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: How to determine how much home insurance/landlord insurance to get
Replies: 2
Views: 207

Re: How to determine how much home insurance/landlord insurance to get

Sorry if this post comes off as kinda clueless, but I was just wondering if anyone would be kind enough to share how you came to your decision about how much home insurance you get. I understand that the dwelling coverage should be enough to cover the costs of rebuilding your home, but how do we de...
by EHEngineer
Tue May 02, 2017 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: 401k administrator requiring net worth
Replies: 40
Views: 2700

Re: 401k administrator requiring net worth

This is a request for information, you're not testifying under oath........just sayin. :wink: in the same spirit, I often answer truthfully, but not explicitly by writing $60,000+, 10+ years, etc. If you make $500k and write income of 100k+ that may satisfy both of you. ps. Welcome to Bogleheads!
by EHEngineer
Mon May 01, 2017 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: Bigger home guilt or bad idea
Replies: 15
Views: 2117

Re: Bigger home guilt or bad idea

You can afford it. You only live once. Go for it. :D
by EHEngineer
Mon May 01, 2017 10:30 pm
Forum: Investing - Help with Personal Investments
Topic: Help with asset allocation
Replies: 13
Views: 990

Re: Help with asset allocation

Hi tch, Welcome to bogleheads. Congratulations, you have created a well thought out and solid boglehead plan. Just a few thoughts for you to consider.... 1) I wouldn't worry much about having investor shares for a year or two. If the higher ERs bother you, you can use the ETF versions. They don't ha...
by EHEngineer
Mon May 01, 2017 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth conversion of IRA that contains only appreciated post tax assets?
Replies: 10
Views: 467

Re: Backdoor Roth conversion of IRA that contains only appreciated post tax assets?

Sounds right. cost basis is pro-rated. I have heard others regret doing the non-deductible IRA because they pay income tax rates instead of LTCG rates.

DS Investor, I had no idea you could split it up like that. That's quite a valuable work around. :sharebeer
by EHEngineer
Mon May 01, 2017 2:19 pm
Forum: Investing - Help with Personal Investments
Topic: Is NOW an okay time?
Replies: 14
Views: 1879

Re: Is NOW an okay time?

Thank you, guys. Appreciate it. Shawn, Welcome to bogleheads. We long term investors hope stocks will regularly set all time highs. We hope that next year's high will make the current high look like a bargain. The question that is more appropriate is: The market WILL drop at some point , and it's n...
by EHEngineer
Mon May 01, 2017 1:44 pm
Forum: Investing - Theory, News & General
Topic: What to do about non deductible IRA contribution?
Replies: 16
Views: 997

Re: What to do about non deductible IRA contribution?

She has no other IRA's. I am wondering if I shouldn't do this too. I do have money in a SEP IRA but nothing in a traditional IRA. I haven't filed my taxes this year. Can I contribute to a traditional IRA as non deductible and then transfer to a Roth or would I have to transfer the money in my SEP I...
by EHEngineer
Mon May 01, 2017 12:40 pm
Forum: Investing - Help with Personal Investments
Topic: Cash to invest question
Replies: 6
Views: 452

Re: Cash to invest question

Approximately, the money will be needed to invest in a small business in 5 years. So do you think capital 360 CD 5 years (APY rate: 2.3%) is the best option, since it is liquid? How about taxable index funds in Vanguard? Or do you think taxable index funds in Vanguard should target for long term? I...
by EHEngineer
Mon May 01, 2017 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: Selecting funds in Fidelity 401K
Replies: 7
Views: 700

Re: Selecting funds in Fidelity 401K

First, make sure you get all of the match! Second, I love target date funds. They're so diversified and easy because they do all the work for you. They're really great. Third, If you like playing with your money, I would use these three: FID 500 INDEX INST (FXSIX) 02/17/1988 Stock Investments 0.035%...
by EHEngineer
Mon May 01, 2017 12:30 pm
Forum: Investing - Theory, News & General
Topic: What to do about non deductible IRA contribution?
Replies: 16
Views: 997

Re: What to do about non deductible IRA contribution?

Thanks. She started the account with $5,500 and has about $100 in gain. It looks like she can only have $5,500 for a Roth so what happens to the other $100? There is no limit on roth conversions. You/She will pay income tax on the $100. Congratulations, you stumbled into a backdoor roth. That's lik...
by EHEngineer
Mon May 01, 2017 12:14 pm
Forum: Investing - Help with Personal Investments
Topic: Paying tax on money moved to roth from ira
Replies: 5
Views: 558

Re: Paying tax on money moved to roth from ira

Thank you so getting a loan at 7% and pay it back in 6 months is cheaper then using money from my Ira. Or just have my wife take out more for tax's. I strongly dislike the 7% loan. When you take extra and pay tax to convert to a roth, the tax is paid and done. When you take a 7% loan, the tax bill ...
by EHEngineer
Mon May 01, 2017 11:59 am
Forum: Investing - Help with Personal Investments
Topic: Cash to invest question
Replies: 6
Views: 452

Re: Cash to invest question

wilwoodjoyce wrote:My spouse has USD100K in cash, that will not be needed in 5 years time, which will have to be liquid. ...

I don't understand this. When will the money be needed?
by EHEngineer
Mon May 01, 2017 11:50 am
Forum: Investing - Help with Personal Investments
Topic: Better Investment?
Replies: 2
Views: 336

Re: Better Investment?

My DW currently has an investment of over 6 figures in VTIBX Total International Bond Index within her Vanguard 403b account. This investment is 10 percent of our total combined retirement portfolio. Our total retirement portfolio's AA is 50/50. We will both be retired in a couple years. VTIBX has ...
by EHEngineer
Mon May 01, 2017 11:34 am
Forum: Investing - Help with Personal Investments
Topic: Paying tax on money moved to roth from ira
Replies: 5
Views: 558

Re: Paying tax on money moved to roth from ira

1. All Roth conversions are taxed as income in the year converted. If you convert $83,000 (500,000/6 years) this year then your taxable income will be (60,000+83,000), which will mean that a good portion of the conversion will be taxed at a 25% rate. So your tax liability will be something like (~3...
by EHEngineer
Sun Apr 30, 2017 9:50 pm
Forum: Investing - Theory, News & General
Topic: If all earnings were from long term investments
Replies: 17
Views: 804

Re: If all earnings were from long term investments

I get that but someone could potentially have ordinary income that puts them in the 15% or lower tax bracket where no capital gains taxes are assessed. Meanwhile, they could be selling massive amounts of long-term stocks for long-term gains that are taxed at 0%. Not "massive amounts" when...
by EHEngineer
Sun Apr 30, 2017 9:37 pm
Forum: Investing - Theory, News & General
Topic: If all earnings were from long term investments
Replies: 17
Views: 804

Re: If all earnings were from long term investments

The Wizard wrote:This doesn't appear to be a personally actionable question, so quite possibly this thread will be licked...

I hope all threads get licked.

Regardless, isn't "please explain LTCG tax rates" a valid theory question?
by EHEngineer
Sun Apr 30, 2017 9:31 pm
Forum: Investing - Theory, News & General
Topic: If all earnings were from long term investments
Replies: 17
Views: 804

Re: If all earnings were from long term investments

I presume your question is: "What is the long term capital gains tax rate, assuming one has only long term capital gains?" zero percent is limited to the 15% federal tax bracket. When one gets to the 25% bracket LTCG jumps to 15%, and eventually the maximum cap gains rate is 23.8% (includi...
by EHEngineer
Sun Apr 30, 2017 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrela Insurance is it worth?
Replies: 21
Views: 2162

Re: Umbrela Insurance is it worth?

he owns a home and a condo. That's not what he wrote: - I own home and have condo insurance. wow. I misread that twice. I read that to mean that he owns "a" home, which happens to be a condo. Otherwise, why buy condo insurance and not homeowners insurance? seems right. anyway, I believe i...
by EHEngineer
Sun Apr 30, 2017 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrela Insurance is it worth?
Replies: 21
Views: 2162

Re: Umbrela Insurance is it worth?

If someone trips on your cracked sidewalk and hits their head they can sue you. Totally worth it IMO. He doesn't need umbrella for that. Sidewalk liability would be covered by the association's master insurance policy. he owns a home and a condo. consider "sidewalk" a generic term, meanin...
by EHEngineer
Sun Apr 30, 2017 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Umbrela Insurance is it worth?
Replies: 21
Views: 2162

Re: Umbrela Insurance is it worth?

If someone trips on your cracked sidewalk and hits their head they can sue you. Totally worth it IMO.
by EHEngineer
Sun Apr 30, 2017 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Saving for mortgage
Replies: 8
Views: 982

Re: Saving for mortgage

My gut says you should move it right away. By my calculations, its $400-$800 of extra interest. But talk to your mortgage lender first. You will have to submit a few months of account statements when you apply for a mortgage loan. And they don't like surprises. FYI - You will be submitting paperwork...
by EHEngineer
Sun Apr 30, 2017 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Personal Capital transaction history
Replies: 9
Views: 1152

Re: Personal Capital transaction history

Not sure about personal capital. I have been using mint 8+ years and it's all there. What level of detail does Mint store? It has every transaction, plus all the mint analysis. You can remove accounts, at which point the transaction history disappears. I have no idea if it's still stored on their s...

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