Search found 19 matches

by Investment17
Mon Jul 10, 2017 7:08 pm
Forum: Investing - Help with Personal Investments
Topic: Just a little help.
Replies: 5
Views: 617

Re: Just a little help.

I don't understand. Wasn't this question already answered in your previous post?: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=212378&p=3259418#p3259418 Did you not get the answers to your question? There was lots of good information already given in that post. I think they were say...
by Investment17
Mon Jul 10, 2017 7:06 pm
Forum: Investing - Help with Personal Investments
Topic: Just a little help.
Replies: 5
Views: 617

Re: Just a little help.

Thanks for the response Emergency funds: 17,000 Debt: Zero Tax Filing Status: Single Tax Rate: 25% Federal, 8.97% State Age:30 Asset allocation: 90% stocks / 10% bonds ROTH 2,400 60/40 Taxable 3,000 Put around 200-250 a week towards those 2 accounts. Stopped putting into emergency fund. No 401K or E...
by Investment17
Mon Jul 10, 2017 5:56 pm
Forum: Investing - Help with Personal Investments
Topic: Just a little help.
Replies: 5
Views: 617

Just a little help.

I'm new to all this. 6 months in. ETF stocks, bonds etc I have a Roth IRA and a taxable account. I already have liquid saved so I use my taxable as 60/40 semi savings, and my Roth as my 90/10 retirement. I put a little in each in week. Right now I have about 3000 in my taxable and 2400 in my Roth. M...
by Investment17
Sat Jul 08, 2017 2:49 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting and Betterment
Replies: 26
Views: 2287

Re: Tax loss harvesting and Betterment

I have had it about 6 months. Is it worth it for me to turn it on? I can not get many answers on it. Do I lose money if I turn it on? Like they won't invest the same way? Or is it basically ok for me to do it? You won't lose money, although technically you assets will have to depreciate in value fo...
by Investment17
Sat Jul 08, 2017 2:03 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting and Betterment
Replies: 26
Views: 2287

Re: Tax loss harvesting and Betterment

I am actually curious about this also. I only have a betterment account with Roth IRA and 1 taxable account. No 401K etc I only have around 5000 in it right now. I have had it about 6 months. Is it worth it for me to turn it on? I can not get many answers on it. Do I lose money if I turn it on? Like...
by Investment17
Mon Mar 20, 2017 11:27 am
Forum: Investing - Help with Personal Investments
Topic: Allocation % for alternative savings robo account?
Replies: 9
Views: 539

Re: Allocation % for alternative savings robo account?

How many months of living expenses would your liquid emergency fund cover? I've read a Betterment blog on investing emergency funds in some kind of AA. While I disagree, few on this recommend it. If I needed it in 5-15 years it would be in 5-year laddered CDs. Maybe some in Vanguard Total Bond Mark...
by Investment17
Mon Mar 20, 2017 11:08 am
Forum: Investing - Help with Personal Investments
Topic: Allocation % for alternative savings robo account?
Replies: 9
Views: 539

Re: Allocation % for alternative savings robo account?

They did give a recommendation. They recommend the safety net goal of 40/60. I'm not really looking at it as a safety net emergency fund though. That's why I was thinking about going 70/30. Maybe I'm being to aggressive for a savings account alternative. I don't mind the fee with betterment. I love...
by Investment17
Mon Mar 20, 2017 11:06 am
Forum: Investing - Help with Personal Investments
Topic: Allocation % for alternative savings robo account?
Replies: 9
Views: 539

Re: Allocation % for alternative savings robo account?

How many months of living expenses would your liquid emergency fund cover? I've read a Betterment blog on investing emergency funds in some kind of AA. While I disagree, few on this recommend it. If I needed it in 5-15 years it would be in 5-year laddered CDs. Maybe some in Vanguard Total Bond Mark...
by Investment17
Sun Mar 19, 2017 9:13 am
Forum: Investing - Help with Personal Investments
Topic: Allocation % for alternative savings robo account?
Replies: 9
Views: 539

Re: Allocation % for alternative savings robo account?

They did give a recommendation. They recommend the safety net goal of 40/60. I'm not really looking at it as a safety net emergency fund though. That's why I was thinking about going 70/30. Maybe I'm being to aggressive for a savings account alternative. I don't mind the fee with betterment. I love ...
by Investment17
Sat Mar 18, 2017 8:45 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation % for alternative savings robo account?
Replies: 9
Views: 539

Allocation % for alternative savings robo account?

Good evening everyone. I am enjoying reading about investing and there seems to be a lot of smart people on these boards. I have a betterment account, and I currently have my ROTH set to 90/10. I am in my very early 30s and plan on maxing this out every year. Now I also have a build wealth general i...
by Investment17
Wed Mar 01, 2017 6:12 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA or Taxable Account? 30 Years old and new
Replies: 24
Views: 1813

Re: Roth IRA or Taxable Account? 30 Years old and new

Hey guys, quick question. With the ROTH IRA, I see it asks if I want to contribute to 2016. Can I do that even though I have already filed my taxes for 2016? Or should I have it for 2017.

Thank you
by Investment17
Tue Feb 28, 2017 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA or Taxable Account? 30 Years old and new
Replies: 24
Views: 1813

Re: Roth IRA or Taxable Account? 30 Years old and new

Well considering I already did my taxes this year, might as well put it in IRA for 2017. Being that I have a betterment account, is it deemed safe just to open it there for now? Also, just for some help. I currently have the betterment general investment account set at 90 stock/10 funds. They say c...
by Investment17
Tue Feb 28, 2017 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA or Taxable Account? 30 Years old and new
Replies: 24
Views: 1813

Re: Roth IRA or Taxable Account? 30 Years old and new

Well considering I already did my taxes this year, might as well put it in IRA for 2017. Being that I have a betterment account, is it deemed safe just to open it there for now? Also, just for some help. I currently have the betterment general investment account set at 90 stock/10 funds. They say c...
by Investment17
Tue Feb 28, 2017 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA or Taxable Account? 30 Years old and new
Replies: 24
Views: 1813

Re: Roth IRA or Taxable Account? 30 Years old and new

Does it make sense to take money from the savings (5500) and max it out now? ( Sorry, it makes me feel like im giving up savings that I can take anytime I want =( ) I guess I need to get that out of my head No apologies needed, you're doing fine! Either taking the $5500 and putting into a tIRA now,...
by Investment17
Tue Feb 28, 2017 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA or Taxable Account? 30 Years old and new
Replies: 24
Views: 1813

Re: Roth IRA or Taxable Account? 30 Years old and new

I want to start investing a little bit and do not know the best way to do this. My biggest fear has always been that I can not take out the money incase of an emergency. This is why a ROTH appeals to me. That I can do that if I really needed to. From the information given, putting $5500 into a trad...
by Investment17
Tue Feb 28, 2017 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA or Taxable Account? 30 Years old and new
Replies: 24
Views: 1813

Re: Roth IRA or Taxable Account? 30 Years old and new

I would suggest holding off on doing a taxable account at Wealthfront. They are going to charge .25% on your entire portfolio which will add up as your portfolio increases. If you ever decide you are ready to invest on your own you will have to pay taxes on your gains when you switch, so this decis...
by Investment17
Tue Feb 28, 2017 10:52 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA or Taxable Account? 30 Years old and new
Replies: 24
Views: 1813

Re: Roth IRA or Taxable Account? 30 Years old and new

You don't need a "regular taxable account" if it means you don't have Roth IRA. So yes, max the Roth IRA first. If the savings is larger than you need for an emergency fund, use some of it for the Roth IRA. I guess my question would be, isn't is smarter to have money in that kind of accou...
by Investment17
Tue Feb 28, 2017 10:07 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA or Taxable Account? 30 Years old and new
Replies: 24
Views: 1813

Re: Roth IRA or Taxable Account? 30 Years old and new

First, you need an emergency fund. Something in savings or CDs to see you through a loss of income that might last 3 to 6 months. After that, your plan should start with whatever plan you have at work (401k, 403b, SIMPLE IRA, etc.) because tax-deferral is a good thing. If you don't have that, use R...
by Investment17
Tue Feb 28, 2017 9:18 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA or Taxable Account? 30 Years old and new
Replies: 24
Views: 1813

Roth IRA or Taxable Account? 30 Years old and new

Good morning everyone. I currently am single and have saved around 25,000 in a basic savings. I make around 55K I want to start investing a little bit and do not know the best way to do this. My biggest fear has always been that I can not take out the money incase of an emergency. This is why a ROTH...