Search found 36 matches

by Finger123
Sat Apr 22, 2017 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: Differential aggressiveness for ROTH vs 401K
Replies: 31
Views: 2347

Re: Differential aggressiveness for ROTH vs 401K

You increase your portfolio expected return by putting higher risk / higher expected return assets in Roth because you increase your after-tax risk. In other words, you are increasing your after-tax allocation to the riskier assets. You could accomplish the same thing by increasing your before-tax ...
by Finger123
Fri Apr 21, 2017 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: Differential aggressiveness for ROTH vs 401K
Replies: 31
Views: 2347

Re: Differential aggressiveness for ROTH vs 401K

[/quote] Same misunderstanding. If you disagree, read the Wiki article I linked to, and come back with an argument defending your position against what it explains. Kevin[/quote] Kevin, I think I disagree with you for the following reason. When you talk about risk you need to include the concept of ...
by Finger123
Fri Apr 21, 2017 1:06 pm
Forum: Investing - Help with Personal Investments
Topic: 529 and Vanguard Status
Replies: 6
Views: 662

Re: 529 and Vanguard Status

I cannot speak from personal experience however I have spoken with colleagues that are Flagship and they say that Flagship is much more personalized. You get a small group of people or a single person when you call that is assigned to your account who knows your goals etc. Lastly I am guessing that ...
by Finger123
Fri Apr 21, 2017 11:02 am
Forum: Investing - Help with Personal Investments
Topic: 529 and Vanguard Status
Replies: 6
Views: 662

529 and Vanguard Status

When I created my 529 in 2009 there were only a few states that offered vanguard index funds, so I went with one of those states for my 529 (I think it was Nevada or Utah). I can see my 529s when I am logged onto vanguard's website but they do not seem to count toward my vanguard status (voyager/fla...
by Finger123
Thu Apr 20, 2017 5:38 pm
Forum: Investing - Help with Personal Investments
Topic: Differential aggressiveness for ROTH vs 401K
Replies: 31
Views: 2347

Differential aggressiveness for ROTH vs 401K

Does anyone differentiate ROTH money from other tax advantaged moneys with regard to equities vs bonds? One important caveat for this discussion should be stated up front... For this dicussion, assume that the ROTH portion of your retirement savings is a very small sliver.... I am fully aware of wan...
by Finger123
Mon Jan 30, 2017 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Tax Implications
Replies: 12
Views: 1084

Re: HSA Tax Implications

DJCarpenter check this out....

http://www.optumhealthfinancial.com/ind ... ation.html

Can you make sense of the document you posted and this website?
by Finger123
Mon Jan 30, 2017 2:39 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Tax Implications
Replies: 12
Views: 1084

HSA Tax Implications

Does anyone know if selling investments within a HSA have any tax implications?

Also, if your company changes insurers and HSA managers, are there tax implications of moving funds from one HSA to the new HSA?
by Finger123
Sat Jan 28, 2017 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: Earmarking in Vanguard
Replies: 8
Views: 510

Re: Earmarking in Vanguard

Sport, thanks for the idea but funds are only short term if you do not need to save for it. For example, if you have money left over at the end of the month then you might buy a new TV... That is easy. What if you are considering redoing a bathroom that you really don't "need" to redo but ...
by Finger123
Sat Jan 28, 2017 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: Earmarking in Vanguard
Replies: 8
Views: 510

Re: Earmarking in Vanguard

I think a spreadsheet would be annoying and separate accounts would mean that I need to re-balance two separate accounts. While I used the example of 4 investments, it is never that simple. I have my 529s, company retirement, HSAs, etc which I need to keep track of and balance. I do not want to comp...
by Finger123
Sat Jan 28, 2017 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: Earmarking in Vanguard
Replies: 8
Views: 510

Earmarking in Vanguard

I have a psychological problem and I know that I am not alone given the viewership on this website. I save/invest my money and I do not frivolously spend it. If I did I would not be on this site. I am interested in keeping things simple from an investment standpoint. I like my job so I am not itchin...
by Finger123
Fri Jun 27, 2014 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Weird theory about how to indefinitely delay tax
Replies: 9
Views: 1507

Weird theory about how to indefinitely delay tax

This is a weird concept (which I have never heard of before) and would like people to poke holes in it. Please read the whole argument to hear what I am proposing before responding. Assumptions: All tax advantaged accounts are maxed out every year. Returns on the two different proposed investments a...
by Finger123
Tue Apr 02, 2013 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: What to do about Bonds
Replies: 19
Views: 2367

Re: What to do about Bonds

I am facing the same dilemma regarding the bond market. I would be interested to hear others' opinions of the state of the bond market. Everyone that I talk to seems to cringe when talking about buying bonds, not for the usual reasons (recent under-performance of that asset class) but rather just so...
by Finger123
Tue Apr 02, 2013 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: Beginer Portfolio, High Tax Bracket
Replies: 10
Views: 1499

Re: Beginer Portfolio, High Tax Bracket

I would max out your 529s per child/year. Sadly $1500/child/month is leaving $666.66 in taxable accounts per child per month that could be in tax advantaged accounts. You can do this for a few years followed by a bolus in a few years to get them funded completely. The final bolus will then be prorat...
by Finger123
Tue Mar 26, 2013 10:06 am
Forum: Investing - Help with Personal Investments
Topic: [Physician] investment planning - taxable/tax advantaged?
Replies: 12
Views: 1327

Re: [Physician] investment planning - taxable/tax advantaged

Live like residents for five+ years and you will do well. But once you get used to higher standard of living it is hard to go back. Very true. For most people the increase in salary is an insidious one of which they are not aware. You are lucky to be at such a finite decision point. You can start s...
by Finger123
Tue Mar 26, 2013 8:07 am
Forum: Investing - Help with Personal Investments
Topic: [Physician] investment planning - taxable/tax advantaged?
Replies: 12
Views: 1327

Re: [Physician] investment planning - taxable/tax advantaged

Now for some pragmatic advise regarding your allocation strategy. Good : It is good that you have tried to make your taxable allocations more simple than tax-advantaged. You will find that logistically it is sometimes harder to reallocate in the taxable accounts due to short term capital gains issue...
by Finger123
Mon Mar 25, 2013 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: [Physician] investment planning - taxable/tax advantaged?
Replies: 12
Views: 1327

Re: [Physician] investment planning - taxable/tax advantaged

Ah yes... times will change. You came to the right place. If you have not read "bogleheads guide to investing" you need to read that STAT... :) I assume that you already have, since you are reading this board. Here are hopefully some pearls that I have picked up beyond what is covered in t...
by Finger123
Mon Mar 25, 2013 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: Help solve problem. Viewing holdings from road or work.
Replies: 12
Views: 795

Re: Help solve problem. Viewing holdings from road or work.

Blues, How do you get the information into M* and how often do you update it? For example lets say there is a way for me to easily export my portfolio from VG into M*. Then my wife transfers some money from one account to another, or I purchase some index funds using dollar cost averaging with weekl...
by Finger123
Mon Mar 25, 2013 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: Help solve problem. Viewing holdings from road or work.
Replies: 12
Views: 795

Re: Help solve problem. Viewing holdings from road or work.

I manually enter dividends, splits, but price changes are reflected at the end of each day. I find this to be problematic because it becomes inaccurate fairly quickly unless you have the exact numbers in front of you (which means you probably need to log in to VG) which defeats the purpose. Agree?
by Finger123
Mon Mar 25, 2013 2:03 pm
Forum: Investing - Help with Personal Investments
Topic: Help solve problem. Viewing holdings from road or work.
Replies: 12
Views: 795

Re: Help solve problem. Viewing holdings from road or work.

The VPN is interesting but it has its problems. I just got off the phone with VG and they seem to already have a mechanism called a "limited agent" which has view only access but they will not provide it to an individual as a window to their own account. I wish they would allow me to creat...
by Finger123
Mon Mar 25, 2013 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: Help solve problem. Viewing holdings from road or work.
Replies: 12
Views: 795

Help solve problem. Viewing holdings from road or work.

I want to be able to view research and analyse my vanguard holdings when on the road and at work. In both of these situations I am not confident that accessing VG is safe (who knows what is going on in a hotel WIFI or on your company computer). I have a young family at home and do not want to spend ...
by Finger123
Wed Nov 07, 2012 3:18 pm
Forum: Investing - Theory, News & General
Topic: Anyone notice there was an election last night
Replies: 24
Views: 2264

Anyone notice there was an election last night

I was surprised to see no threads about the elections. I know this is not a political board so please refrain from political comments. There are plenty of other places on the web for that.... but, how is the outcome of the election last night going to alter the markets? Are people making any changes...
by Finger123
Wed Sep 26, 2012 9:43 am
Forum: Investing - Help with Personal Investments
Topic: Lump Sum 529
Replies: 5
Views: 767

Re: Lump Sum 529

Your take seems logical. I guess this is what it should look like: Year 1: Lets just say you have $90K to invest (effectively $18K per year for the next 5 years) Year 2: ($18K from year 1) + Max $40K (effectively $8K per year for next 5 years) Year 3: ($18K from year 1) + ($8K from year 2) = $0 max ...
by Finger123
Tue Sep 25, 2012 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: Lump Sum 529
Replies: 5
Views: 767

Re: Lump Sum 529

This is my current understanding of the way it works. Please correct me if I am wrong. Year 1: Lets just say you have $90K to invest (effectively $26K in year 1 and $16K for the next 4 years) Year 2: ($16K from year 1) + Max $50K (effectively 10K per year for next 5 years) Year 3: ($16K from year 1)...
by Finger123
Tue Sep 25, 2012 1:17 pm
Forum: Investing - Help with Personal Investments
Topic: Lump Sum 529
Replies: 5
Views: 767

Re: Lump Sum 529

Correction... I should have listed $26K everywhere it says $22K. Secondly it is still unclear to me if you can do the following: Year 1: $10K (irrelevant) Year 2: $10K (irrelevant) Year 3: $10K (irrelevant) Year 4: $10K (irrelevant) Year 5: $90K Year 6: $40K (reaches 5 year limit started in year 5, ...
by Finger123
Tue Sep 25, 2012 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: Lump Sum 529
Replies: 5
Views: 767

Lump Sum 529

If there is a 5 year accelerated contribution limit of 130K per married couple for 529s can you do the following: open the account.... Year 1: $10K Year 2: $10K Year 3: $10K Year 4: $10K Year 5: $90K Year 6: $100K Year 7: $0 Year 8: $0 Year 9: $0 Year 10: $0 Essentially, can you count previous years...
by Finger123
Tue Sep 25, 2012 11:47 am
Forum: Investing - Help with Personal Investments
Topic: Predict the Future 529
Replies: 10
Views: 886

Predict the Future 529

I know this is a very stupid question without a real answer but I was wondering what people put down in the "expected return on investment" field in college savings calculators. The defaults are sometimes 6% which is in my opinion very optimistic. The number has a large effect on results o...
by Finger123
Sat Jan 21, 2012 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: Mixing Roth and Non-Roth IRA Money
Replies: 4
Views: 621

Mixing Roth and Non-Roth IRA Money

My company allows me to manage my contributions/match retirement money by transferring it into a linked Schwab account. When you move the money into the Schwab account, Schwab pools all of the Roth and Non-Roth money together into one big pot. I am a little concerned about this and have voiced this ...
by Finger123
Sun Jul 31, 2011 11:49 am
Forum: Investing - Help with Personal Investments
Topic: Cash Balance Plan
Replies: 3
Views: 909

yea, this spreadsheet was provided by them. Did you guys set up a CBP and if so how has it worked out?
by Finger123
Wed May 18, 2011 9:31 am
Forum: Investing - Help with Personal Investments
Topic: Car Loan or Roth
Replies: 14
Views: 1319

Depends on your age. If you are young I would fund your Roth. You only have one chance to fund your Roth (you cannot go back and fund prior years roths)... If you are young you will be able to enjoy tax free growth for years to come.
by Finger123
Wed May 18, 2011 9:22 am
Forum: Investing - Help with Personal Investments
Topic: Cash Balance Plan
Replies: 3
Views: 909

Cash Balance Plan

I know that Cash Balance Plans have been discussed briefly in the past but I wanted to upload a excel spreadsheet from someone pitching a CBP to our medical group. I have plugged in some alternative numbers into the plan to see if it makes sense and the graph on the last tab changes when you alter t...
by Finger123
Tue Dec 28, 2010 9:58 am
Forum: Investing - Help with Personal Investments
Topic: Discrepancy between Morningstar and Schwab
Replies: 4
Views: 824

Re: I think the difference is because

Schwab is giving you the break from their Institutional Shares. I have the same thing with the VG Intermediate Term Bond Index I hold at Schwab through a deferred compensation plan. I called and they said that the expenses changed... Morningstar may not have updated information. Is that possible? I...
by Finger123
Tue Dec 28, 2010 7:54 am
Forum: Investing - Help with Personal Investments
Topic: Discrepancy between Morningstar and Schwab
Replies: 4
Views: 824

Discrepancy between Morningstar and Schwab

I am mainly a vanguard investor but have some money in my 401K which is in Schwab. I noticed that on Morningstar SWTSX is listed as having expenses of 0.21% and on Schwab's site it is listed as having 0.09%. I am going to call them today but I thought I would ask the crowd if they already know. Is i...
by Finger123
Sun Dec 26, 2010 9:23 am
Forum: Investing - Help with Personal Investments
Topic: Not just another Roth vs. Non-Roth thread. Got both what now
Replies: 4
Views: 706

Thanks

I actually searched for this before I posted but did not find it. Thanks for the heads up...
by Finger123
Sun Dec 26, 2010 9:03 am
Forum: Investing - Help with Personal Investments
Topic: Not just another Roth vs. Non-Roth thread. Got both what now
Replies: 4
Views: 706

Not just another Roth vs. Non-Roth thread. Got both what now

You see discussions about how best to fund 401Ks (Roth vs. Non-Roth). I like many am splitting the difference and now have money in both Roth and Non-Roth 401Ks. This thread is not to discuss which type to fund (please refrain and see other threads). Now that we have some Roth dollars and some Non-R...
by Finger123
Mon Dec 20, 2010 11:17 pm
Forum: Investing - Help with Personal Investments
Topic: Best of the worst options
Replies: 5
Views: 1236

Best of the worst options

If your options are limited when investing money held in a HSA to a bunch of high load and high expense ratio funds which is more important, to keep the load at 0 or go as low as possible with the expense ratio. Assuming a long term horizon (assuming all other factors are equal) examples: Load / Exp...
by Finger123
Wed Dec 15, 2010 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: 529 hack?
Replies: 7
Views: 1332

529 hack?

Here is a thought. Lets say that you have maxed out your tax advantaged retirement accounts and have recently gotten a big raise. You have two young children and want to pack away as much into their college savings as possible. I addition to the two 529 plans you already have (one for each child) yo...

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