Search found 26 matches

by HoleInTheAir
Sun Aug 13, 2017 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: How to not obsess over investments?
Replies: 46
Views: 3593

Re: How to not obsess over investments?

I'm taking a step back and reading more on coming up with a definitive investment plan. Do I want to tilt towards small/mid caps? What should my asset allocation be given my risk tolerance? What portion of my holdings do I want in International Funds? These are questions that should have been explo...
by HoleInTheAir
Fri Aug 11, 2017 10:25 pm
Forum: Investing - Help with Personal Investments
Topic: How to not obsess over investments?
Replies: 46
Views: 3593

Re: How to not obsess over investments?

Thanks for the replies, everyone. I'm taking a step back and reading more on coming up with a definitive investment plan. Do I want to tilt towards small/mid caps? What should my asset allocation be given my risk tolerance? What portion of my holdings do I want in International Funds? These are ques...
by HoleInTheAir
Wed Aug 09, 2017 11:47 am
Forum: Investing - Help with Personal Investments
Topic: How to not obsess over investments?
Replies: 46
Views: 3593

Re: How to not obsess over investments?

I dealt with this for a while, and still do. The general progression for us was Dave Ramsey --> Mr. Money Mustache --> Bogleheads. For us it wasn't just about starting to invest, there were some decent lifestyle changes that took place. Part of why I used to check balances daily was a fear of pover...
by HoleInTheAir
Wed Aug 09, 2017 11:31 am
Forum: Investing - Help with Personal Investments
Topic: How to not obsess over investments?
Replies: 46
Views: 3593

Re: How to not obsess over investments?

You could always try books about investing or listening to podcasts, since you are obviously very interested in it all. That would give you something to read, listen, and learn, and distract you from checking your accounts. Of course it could prompt you to do something with your investments, which ...
by HoleInTheAir
Wed Aug 09, 2017 11:29 am
Forum: Investing - Help with Personal Investments
Topic: How to not obsess over investments?
Replies: 46
Views: 3593

Re: How to not obsess over investments?

I dealt with this for a while, and still do. The general progression for us was Dave Ramsey --> Mr. Money Mustache --> Bogleheads. For us it wasn't just about starting to invest, there were some decent lifestyle changes that took place. Part of why I used to check balances daily was a fear of pover...
by HoleInTheAir
Wed Aug 09, 2017 11:11 am
Forum: Investing - Help with Personal Investments
Topic: How to not obsess over investments?
Replies: 46
Views: 3593

Re: How to not obsess over investments?

Thanks for the responses. I have to give a lot of the credit to my fiancé and to my soon-to-be FIL and my own father. She and I both had scholarships, but we both finished undergrad with no debt, and both were fortunate to enter the workforce immediately. I'm very much the lead on our finances, but ...
by HoleInTheAir
Wed Aug 09, 2017 10:40 am
Forum: Investing - Help with Personal Investments
Topic: How to not obsess over investments?
Replies: 46
Views: 3593

Re: How to not obsess over investments?

I think you may just have to wait and grow into it. Sooner or later, something else comes along in life that is more interesting or more demanding of your time. If checking daily right now is fun for you, I would not give it a thought. If you are checking daily because of worry....not sure what to ...
by HoleInTheAir
Wed Aug 09, 2017 10:21 am
Forum: Investing - Help with Personal Investments
Topic: How to not obsess over investments?
Replies: 46
Views: 3593

How to not obsess over investments?

Hi All, I've posted here regularly in the last year or so, which is right around the time I really started getting on top of my investments and just savings in general. My fiancé and I are in our mid 20s, and have around $150,000 in investments currently, spread in our Roth IRAs, Traditional IRAs, B...
by HoleInTheAir
Fri Jul 07, 2017 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: Living off of Taxable to max 401K
Replies: 11
Views: 827

Re: Living off of Taxable to max 401K

3. What if I put the majority (say 80% of my $18,000) into my Roth 401K? HoleInTheAir, Bad idea! You could contribute 18K into Trad. 401K and put the 25% tax savings into Roth IRA. KlangFool I don't understand why this is bad. The Traditional reduces my AGI, but I'm already not paying huge taxes wi...
by HoleInTheAir
Fri Jul 07, 2017 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: Living off of Taxable to max 401K
Replies: 11
Views: 827

Re: Living off of Taxable to max 401K

A couple of things. 1) If you wait until you are married to sell the taxable investments you may be able to keep in the 15% tax bracket where you would own no taxes on the long term capital gains. In the meantime you could change it so the dividends are not automatically reinvested. 2) You need to ...
by HoleInTheAir
Fri Jul 07, 2017 2:08 pm
Forum: Investing - Help with Personal Investments
Topic: Living off of Taxable to max 401K
Replies: 11
Views: 827

Re: Living off of Taxable to max 401K

We're pretty close to the magical 59.5 yrs, and with us being semi-retired, I have start moving money from taxable to max out our 401k Roths (and Roth IRAs). I make sure first to tax defer enough to to keep us comfortably in the 15% tax bracket so Qualified Dividends and Cap Gains are not taxed. So...
by HoleInTheAir
Fri Jul 07, 2017 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: Living off of Taxable to max 401K
Replies: 11
Views: 827

Living off of Taxable to max 401K

Hi All, I've posed this question on a few different boards, and was curious if anyone has any thoughts or considerations on it. Details: Age: soon to be married couple in mid 20s Income: ~$100,000 combined Debt: None Monthly Expenses: $1,800 for me; $3,500 as a household - we split bills Total Holdi...
by HoleInTheAir
Wed Apr 19, 2017 10:51 pm
Forum: Investing - Help with Personal Investments
Topic: Total Portfolio Cleanup
Replies: 8
Views: 1156

Re: Total Portfolio Cleanup

Man, doing quite well for yourself at 31. Can I ask what career field you're in? As for the portfolio, can you explain the rationale behind holding so many ETFs? I feel like you could beef up VTSAX some, maybe add another mutual fund or two, and have it way more simple and cheap. At the amount of yo...
by HoleInTheAir
Tue Mar 14, 2017 9:53 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice / Thoughts
Replies: 13
Views: 1213

Re: Portfolio Advice / Thoughts

Here is one idea in order to allow yourself to max out your 401k then, while still being able to pay the bills: 1. Contribute enough to max out 401k/IRA (18,000 + 5,500 = 23,500/year). Make sure you are contributing enough to traditional accounts to get yourself into the 15% tax bracket. 2. Sell in...
by HoleInTheAir
Tue Mar 14, 2017 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice / Thoughts
Replies: 13
Views: 1213

Re: Portfolio Advice / Thoughts

Ok, do you know if your 401k allows for mega backdoor roth? (i.e. allows for after tax contributions, and inservice distributions) This could allow you to get even more money into your tax-advantaged accounts. Do you know what tax bracket you are in as well? It is probably worth selling off enough ...
by HoleInTheAir
Tue Mar 14, 2017 3:49 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice / Thoughts
Replies: 13
Views: 1213

Re: Portfolio Advice / Thoughts

What do your capital gains look like in your taxable brokerage accounts? Would you consider selling some of your taxable to "pay the bills" so that you could maximize your 401ks? (i.e. in effect to shift more of your investments to tax-advantage accounts) You could also make your 2017 IRA...
by HoleInTheAir
Tue Mar 14, 2017 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice / Thoughts
Replies: 13
Views: 1213

Re: Portfolio Advice / Thoughts

Bumping this to see if anyone else has any suggestions.
by HoleInTheAir
Tue Mar 14, 2017 1:31 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice / Thoughts
Replies: 13
Views: 1213

Re: Portfolio Advice / Thoughts

His Brokerage $22,000 in VTSAX- VANGUARD TOTAL DOMESTIC ADMIRAL, 0.05% ER $11,000 in VTIAX- VANGUARD TOTAL INTERNATIONAL ADMIRAL, 0.11% ER $11,000 in VBTLX- VANGUARD TOTAL BOND ADMIRAL, 0.06% ER $11,500 in VDADX- VANGUARD DIVIDEND APPRECIATION ADMIRAL, 0.09% ER $3,500 in VMGRX- VANGUARD MIDCAP GROW...
by HoleInTheAir
Tue Mar 14, 2017 6:25 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice / Thoughts
Replies: 13
Views: 1213

Re: Portfolio Advice / Thoughts

Thanks. We both owe a big thanks for our parents for helping us start debt free. It really makes a big difference when you couple that with discipline to save. As for the brokerage, if I were to exchange the TBM for the TSM, that would put me around 87/13 stock/bond. Should I try to reallocate more ...
by HoleInTheAir
Mon Mar 13, 2017 10:03 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice / Thoughts
Replies: 13
Views: 1213

Re: Portfolio Advice / Thoughts

krow36 wrote:How about some names on the tickers?


Sorry about that; I've updated the original post.
by HoleInTheAir
Mon Mar 13, 2017 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice / Thoughts
Replies: 13
Views: 1213

Portfolio Advice / Thoughts

Hi All, I've recently started tracking my investments and their overall performance much more closely than I had been previously, and my fiancé and I are really getting more and more intrigued and motivated at the idea of retiring earlier than normal (maybe 55ish), so I was curious if anyone had any...
by HoleInTheAir
Sun Aug 28, 2016 8:10 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on current investing plan
Replies: 12
Views: 904

Re: Thoughts on current investing plan

Savings/CDs: $66,000 You have a lot of other goals than just for retirment, from that $66K I would desginate funds for these types of goals; 1) Emergency fund, six months expenses. 2) Money to pay cash for your next car. 3) A house downpayment fund. Even if you don't buy one until you are in your 3...
by HoleInTheAir
Sun Aug 28, 2016 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on current investing plan
Replies: 12
Views: 904

Re: Thoughts on current investing plan

What do you plan to use the CDs for? Wedding? Honeymoon? Downpayment for a home? Travel? Retirement? Do you know your tax bracket? If not, do you know how to figure it out? Do you know what stock to bond ratio you want in your retirement portfolio? Do you have a separate pile of money for an emerge...
by HoleInTheAir
Sun Aug 28, 2016 4:27 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on current investing plan
Replies: 12
Views: 904

Re: Thoughts on current investing plan

Thanks for all the feedback so far. I will be getting married to my SO sometime in Fall 2017. She's in a similar position that I am (earns more, though) in that she doesn't have any debt, has a good start in her 401k, and also a Roth IRA (that I set up for her ) maxed for the year. She, much like my...
by HoleInTheAir
Sun Aug 28, 2016 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on current investing plan
Replies: 12
Views: 904

Re: Thoughts on current investing plan

You are doing great. Just keep heading the same direction. I would let the CDs run their course, and reinvest as they mature. No need to pay a penalty at the moment. In the meantime, work on your Investment Policy Statement https://www.bogleheads.org/wiki/Investment_policy_statement That exercise w...
by HoleInTheAir
Sun Aug 28, 2016 9:04 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on current investing plan
Replies: 12
Views: 904

Thoughts on current investing plan

Hi all, thanks in advance for your feedback. My situation: Age: early 20s Debt: none 401k: $13,500 Roth: $5,500 Savings/CDs: $66,000 Contributions: 401K: 17% Roth 401K, 15% Pre-tax, 2% employer (On track to max this for the year) Roth: maxed for year already ESPP: 3%, 3% match - 6% total (usually se...