Search found 35 matches

by ElecEel
Tue Mar 21, 2017 5:11 am
Forum: Investing - Help with Personal Investments
Topic: Bonds Exchange in Taxable Account
Replies: 12
Views: 808

Re: Bonds Exchange in Taxable Account

OP's Tax rate is 25%, if OP has to have bonds ( for AA reasons) in a taxable account, isn't VWIUX better ? The enormous amount of bonds in taxable are taking up space that could be used for equities in taxable. I just wouldn't have bonds in taxable in this situation. To put it another way, the incr...
by ElecEel
Mon Mar 20, 2017 8:41 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds Exchange in Taxable Account
Replies: 12
Views: 808

Re: Bonds Exchange in Taxable Account

Now, whether you should shorten duration or not -- the market has its own predictions of interest rates baked into the yield curve, i.e. the difference between longer and shorter bond yields tells us that the market is worried about rates going up less or more. If the market has it about right, it ...
by ElecEel
Mon Mar 20, 2017 7:30 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds Exchange in Taxable Account
Replies: 12
Views: 808

Re: Bonds Exchange in Taxable Account

Livesoft - I live in Florida and in the 25% bracket. The company mostly offers Target Funds. Lack_ey - I didn't know those bonds were callable. That's good to know. I actually saw VMLUX but missed VWSUX. I apologize for not being clear, I'm looking at Vanguard funds only. If you had to choose betwee...
by ElecEel
Mon Mar 20, 2017 7:06 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds Exchange in Taxable Account
Replies: 12
Views: 808

Bonds Exchange in Taxable Account

Hey guys, I have 25% of my portfolio in Vanguard Intermediate Tax Exempt Fund (VWIUX). With interest rates moving up, what are your thoughts in moving it all into Total Bond (VBTLX) or Short Term Corporate Bond (VSCSX) to protect against rising rates. My rationale is that VWIUX bonds are all about 8...
by ElecEel
Tue Feb 07, 2017 6:25 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth First timer
Replies: 8
Views: 932

Re: Backdoor Roth First timer

barnaclebob wrote:You can only contribute a total of 5500 no matter if some goes into a roth IRA or a traditional IRA, not 5500 to each.


Thanks Bob. Do you know if an early retiree with dividend income only can contribute to a Roth too? Not sure if that qualifies as earned income.
by ElecEel
Tue Feb 07, 2017 3:00 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth First timer
Replies: 8
Views: 932

Re: Backdoor Roth First timer

Thanks for the response. Another quick question I hope. Do dividends count as earned income? Thinking of early retirement and if I can continue contributing to a ROTH using dividend income. Anyone done this before?
by ElecEel
Tue Feb 07, 2017 1:06 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Vanguard ETF Portfolio
Replies: 2
Views: 412

Re: Help with Vanguard ETF Portfolio

I have slowly been consolidating all my investments into the three fund portfolio. (US Dom, US Int, Bonds)

Can you share more about your age, goals, current investments, taxable/non-taxable?
by ElecEel
Tue Feb 07, 2017 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: trouble with Gnucash
Replies: 3
Views: 602

Re: trouble with Gnucash

I've never used it. I find a spreadsheet is enough for me. Takes a few minutes longer but it's fine. Or check out personal capital. I see that a lot lately.
by ElecEel
Tue Feb 07, 2017 11:03 am
Forum: Investing - Help with Personal Investments
Topic: ROTH First Investment
Replies: 5
Views: 382

Re: ROTH First Investment

Thank you for the responses. I only have 20% of total investments in my retirement accounts. They mimic my non-retirement accounts with the same 70/30 asset allocation. I'm thinking since I don't need the money a long time from now, maybe buy the SP small caps fund. Or would you suggest total stock ...
by ElecEel
Tue Feb 07, 2017 10:07 am
Forum: Investing - Help with Personal Investments
Topic: ROTH First Investment
Replies: 5
Views: 382

ROTH First Investment

Do you have a different strategy for a ROTH IRA investment? I'm still 17 years out before I'll consider withdrawing from my ROTH. thinking of going in all stocks as my 401K has a bond allocation. Currently I am 70/30 and plan to stay this way. I keep the same AA in both Retirement and non-Retirement...
by ElecEel
Thu Feb 02, 2017 5:49 am
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth First timer
Replies: 8
Views: 932

Re: Backdoor Roth First timer

Thanks Agan. This means I can contribute a full 11k between my wife and I?
by ElecEel
Wed Feb 01, 2017 9:33 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth First timer
Replies: 8
Views: 932

Backdoor Roth First timer

Yesterday I discovered a small valued Roth IRA at Fidelity. My old employer was sending my statements to an incorrect email address. Yay me. I'd like to make my first backdoor roth transaction but needed to clarify some things. A few questions. 1. Would I need to do a backdoor Roth since my income (...
by ElecEel
Thu Jan 05, 2017 8:09 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3055
Views: 901630

Re: What Movie Have You Recently Watched?

I chanced upon some Korean movies on Netflix that turned out really good.

The Host
The Wailing
The Sea Fog

Let me know what you guys think.
by ElecEel
Mon Dec 19, 2016 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: VWIUX Vanguard Intermediate Tax Expt - Should I trade out?
Replies: 22
Views: 2920

Re: VWIUX Vanguard Intermediate Tax Expt - Should I trade out?

Thanks guys. If I did a TLH, what would you recommend as an alternate? Also, how long before returning to VWIUX?
by ElecEel
Mon Dec 19, 2016 12:14 pm
Forum: Investing - Help with Personal Investments
Topic: VWIUX Vanguard Intermediate Tax Expt - Should I trade out?
Replies: 22
Views: 2920

VWIUX Vanguard Intermediate Tax Expt - Should I trade out?

Hi all, While I have a 70/30 split between Stocks and Bonds, the bonds I hold in my taxable account are all in VWIUX. With rising interest rates, does anyone recommend swapping from an intermediate fund to a short term fund? I'm still in it for a long term, 10+ years. Appreciate any advise. Thanks, ...
by ElecEel
Wed Aug 19, 2015 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for Allocation Advice please
Replies: 11
Views: 1126

Re: Looking for Allocation Advice please

Hi Ruralavalon, Thanks for your reply. Some of the things I've done since your post. 1. Turned off automatic dividend reinvesting 2. Sold off some of my positions and plan to accumulate the cash to buy more of the big three. 3. Can't contribute to a IRA cause our income level last year did not quali...
by ElecEel
Wed Aug 19, 2015 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: Hold on to pension or take one time lump sum
Replies: 7
Views: 866

Re: Hold on to pension or take one time lump sum

Thanks guys. It seemed that the answer was flashing right in front of me but I just needed a little group therapy. I love this forum. You guys are the best!
by ElecEel
Wed Aug 19, 2015 10:48 am
Forum: Investing - Help with Personal Investments
Topic: Hold on to pension or take one time lump sum
Replies: 7
Views: 866

Re: Hold on to pension or take one time lump sum

Thanks Sheepdog. Good to know. I'll check out that website too. :)
by ElecEel
Wed Aug 19, 2015 10:20 am
Forum: Investing - Help with Personal Investments
Topic: Hold on to pension or take one time lump sum
Replies: 7
Views: 866

Hold on to pension or take one time lump sum

Hello Bogleheads, I recently received an offer from a former company to receive a one time lump sum payment on my old pension plan. These are the four options. Option 1: Roll lump sum payment to an IRA or other qualified retirement plan $26,580 Option 2: Receive a lump sum cash distribution $21,264 ...
by ElecEel
Mon Aug 10, 2015 10:55 am
Forum: Investing - Help with Personal Investments
Topic: Looking for Allocation Advice please
Replies: 11
Views: 1126

Re: Looking for Allocation Advice please

Hi all, I've made the updates as suggested. 1. Corrected the tax bracket to 28% 2. Added the % gain/loss. I'm thinking what rainier and ruralavalon are suggesting is that I sell some individual stocks in my taxable account where the combination of winners and losers would net zero dollars for tax pu...
by ElecEel
Fri Aug 07, 2015 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for Allocation Advice please
Replies: 11
Views: 1126

Re: Looking for Allocation Advice please

Thanks everyone for your responses. I'll use the weekend to add a +/- % to each of the investments to give a better idea of their performance. As for the split I chose 65/35, I just based that on some of the posts I read for Age - 10% I wasn't sure if that was aggressive or not. I did think that was...
by ElecEel
Thu Aug 06, 2015 3:11 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for Allocation Advice please
Replies: 11
Views: 1126

Looking for Allocation Advice please

Hello all, I would like to ask for some analysis on my current financial allocation. Emergency funds: Yes Debt: None Tax Filing Status: Married Filing Jointly Tax Rate: 28% Federal State of Residence: FL Age:46 Desired Asset allocation: 70% stocks / 30% bonds Desired International allocation: Not su...
by ElecEel
Fri Apr 10, 2015 9:45 am
Forum: Investing - Help with Personal Investments
Topic: 3 Fund Vs Wealthfront suggested AA
Replies: 11
Views: 1995

3 Fund Vs Wealthfront suggested AA

Hi all, A friend of mine suggested I check out Wealthfront. When I plugged in my age (46) and risk tolerance along with investible assets, this is what it returned for a taxable account. The tax advantaged account was pretty similar too. Asset Class Investment % U.S. Stocks Vanguard VTI ETF 35% Fore...
by ElecEel
Tue Jan 20, 2015 12:44 pm
Forum: Investing - Help with Personal Investments
Topic: How would you invest $1.2 million?
Replies: 30
Views: 5883

Re: How would you invest $1.2 million?

I had a similar situation. I decided to take my own share and manage it myself. That way, if anything goes wrong, relationships stay the same. My Vanguard distribution after the split was: 30% - US Stocks 15% - Int. Stocks 15% - Emerging Markets 15% - Dividend stocks 25% - Municipal Bonds With my ty...
by ElecEel
Mon Oct 13, 2014 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance - Retiree questions
Replies: 16
Views: 2919

Re: Health Insurance - Retiree questions

Ugh, I was hoping it wouldn't be too complicated. Thanks for all your responses. I wasn't expecting health insurance to be so expensive. btw, are those costs for a single person or family plan? Also, You suggested contacting an agent. Is there a website for these agents? thanks again for all the fee...
by ElecEel
Sun Oct 12, 2014 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance - Retiree questions
Replies: 16
Views: 2919

Health Insurance - Retiree questions

Calling out all retirees or folks that are experts on this subject. What do you do when you don't have a company sponsored health insurance plan anymore? I checked out eHealthinsurance.com and managed to find a six month plan for $250/month. That seems reasonable to me. I thought it would be cheaper...
by ElecEel
Sun Oct 05, 2014 8:18 am
Forum: Investing - Theory, News & General
Topic: What was your initial AA and how has that worked out?
Replies: 32
Views: 3463

What was your initial AA and how has that worked out?

Hi all, Thought I ask the community how things have been working out since they started their Bogleheads plan. If you don't minding sharing 1. When you started. E.g. How many years ago? 2. How old you were? 3. Stock/bond ratio 4. Annual % return since the start. 5. Anything you would do different in...
by ElecEel
Thu Oct 02, 2014 9:46 am
Forum: Investing - Help with Personal Investments
Topic: Cash Allocations and other questions.
Replies: 5
Views: 457

Re: Cash Allocations and other questions.

Thank you Livesoft. Took your advice and made the change in the original post. TY.
by ElecEel
Thu Oct 02, 2014 8:59 am
Forum: Investing - Help with Personal Investments
Topic: Cash Allocations and other questions.
Replies: 5
Views: 457

Cash Allocations and other questions.

Hello, Hope everyone is having a good day. Looking for some honest feedback or advice on how I should distribute my funds. My wife and I are just into our 40s, are in the 33% tax bracket and have about $1.9M saved/invested. Recently I have sold most of my investments as they were all in individual s...
by ElecEel
Tue Sep 23, 2014 9:55 am
Forum: Investing - Help with Personal Investments
Topic: Employer Roth 401K Contributions at tax time
Replies: 6
Views: 599

Re: Employer Roth 401K Contributions at tax time

Paying tax now is the same as paying tax later if you pay the same percentage of tax in both cases. It is called the commutative principle of multiplication: dollars x growth x tax (paying later) is the same as dollars x tax x growth (paying now). It's a little more complicated than that, but that ...
by ElecEel
Tue Sep 23, 2014 8:35 am
Forum: Investing - Help with Personal Investments
Topic: Employer Roth 401K Contributions at tax time
Replies: 6
Views: 599

Re: Employer Roth 401K Contributions at tax time

Thanks everyone for the responses. I don't know why I thought I could contribute to $17500 to each 401 Roth and 401. Silly me. As far as pre or post tax contributions go, seems like the consensus is to contribute to 401k for higher incomes. Does the benefit of receiving less taxes now outweigh the g...
by ElecEel
Mon Sep 22, 2014 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: Employer Roth 401K Contributions at tax time
Replies: 6
Views: 599

Employer Roth 401K Contributions at tax time

Hi all, First off, I want to tell you how much I love this site and the people who help folks like me. Thank you. My situation is this. I was unemployed for a while and started work a few months ago. The company I work for has both a 401K and a Roth 401k. I've read that Roth after tax contributions ...
by ElecEel
Thu Aug 28, 2014 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Asset Allocation advice
Replies: 6
Views: 718

Re: Portfolio Asset Allocation advice

Thanks for all the replies. I should have added more details on my situation. No, I have not retired yet. It's just in the consideration stage now. We're both in our mid-40s so won't be pulling any social security or 401K savings for at least 20 more years. Should we decide on ER, part time jobs wil...
by ElecEel
Wed Aug 27, 2014 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Asset Allocation advice
Replies: 6
Views: 718

Re: Portfolio Asset Allocation advice

Hey Sciray, thanks for the reply. That's a nifty tool. Glad you showed it to me. I have to blame the wife for early retirement. I travel a lot and she wants to spend more time with me. We'll have to cut back expenses and maybe get a part time job once in a while to supplement our portfolio income. B...
by ElecEel
Wed Aug 27, 2014 8:08 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Asset Allocation advice
Replies: 6
Views: 718

Portfolio Asset Allocation advice

Hello all, New board member and thoroughly enjoyed reading a lot of your posts. I hope you could share some light or advice on how I should allocate my savings. The wife and I would really love to begin early retirement but are not sure how to draw from our investment accounts. I've read about how a...