Search found 21 matches

by MrFlish
Tue Apr 04, 2017 2:32 pm
Forum: Investing - Theory, News & General
Topic: 3 legs
Replies: 10
Views: 1529

3 legs

Pros and cons? Set 1 Vanguard Wellington, Admiral, VWENX-40% Vanguard Wellesley, Admiral,VWIAX-30% Vanguard Total Stock Mkt. Index, Admiral, VTSAX-30% VS. Set 2 Vanguard Total Stock Mkt. Index, Admiral, VTSAX-60% Vanguard, Total Bond Mkt. Index, Admiral, VBTLX-40% or Set 3 Vanguard Total Stock Mkt. ...
by MrFlish
Tue Apr 04, 2017 5:44 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Building
Replies: 0
Views: 181

Portfolio Building

We have about 1/3 ($500k) of our current tax deferred portfolio in Wellington (VWENX) and are planning on rolling over my 401 ($500k) and buying Total Stock Market (VTSAX) in the next 90 days or so. My question is what other funds should I consider for the last third of our portfolio when my wife re...
by MrFlish
Mon Mar 20, 2017 8:37 am
Forum: Investing - Theory, News & General
Topic: Roth Conversion and Strategy
Replies: 13
Views: 1096

Re: Roth Conversion and Strategy

Now, if you have a whole lot in traditional, make sure to look at RMDs and space out your rollovers even if you don't need the money. Better to pay the 25% tax bracket then the higher ones if you are forced to withdraw large amounts later in life.[/quote] This is where I'm looking to get smarter and...
by MrFlish
Mon Mar 20, 2017 8:27 am
Forum: Investing - Theory, News & General
Topic: Roth Conversion and Strategy
Replies: 13
Views: 1096

Re: Roth Conversion and Strategy

As previously mentioned, I don't think there is an ideal percentage. A good guideline would be to try to stay in the 15% tax bracket or lower throughout one's retirement. I like to think in terms of a constant level of spendable income (income after taxes). I agree, this is what we're hoping to be ...
by MrFlish
Sun Mar 19, 2017 6:31 pm
Forum: Investing - Theory, News & General
Topic: Roth Conversion and Strategy
Replies: 13
Views: 1096

Re: Roth Conversion and Strategy

Thanks to everyone for all the great points to consider... I think it's pretty much a given that some conversion is in our future. The bulk of our savings (other than cash) sits in our tax deferred 401's/IRA's and we've got about 3 years to go before we're both going to retire. When they fully come ...
by MrFlish
Sun Mar 19, 2017 7:23 am
Forum: Investing - Theory, News & General
Topic: Roth Conversion and Strategy
Replies: 13
Views: 1096

Re: Roth Conversion and Strategy

Thanks for the info...Will have to get smarter recharacterization as I didn't think we'd need that given the conversions would be done post retirement.
by MrFlish
Sun Mar 19, 2017 6:58 am
Forum: Investing - Theory, News & General
Topic: Roth Conversion and Strategy
Replies: 13
Views: 1096

Roth Conversion and Strategy

Is there an ideal percentage that one should have when holding a Roth and a tax deferred IRA? We are looking at converting some or all of our tax deferred IRA's to Roth's. What are there tactical advantages to having one or both? The conversion would take place post retirement with the primary goal ...
by MrFlish
Fri Mar 03, 2017 7:13 am
Forum: Investing - Help with Personal Investments
Topic: Why would I buy Bonds now?
Replies: 18
Views: 3730

Re: Why would I buy Bonds now?

...Surely buying Bonds in a rising interest rate environment is doomed to losses?... No. The purpose of the following points is not to recommend bonds or urge you to buy them. But I do aim to convince you that there is no slam-dunk certainty, no "doomed to losses." The idea that interest ...
by MrFlish
Mon Feb 20, 2017 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: VBILX vs VBTLX [Vanguard Intermediate-Term vs. Total Bond]
Replies: 49
Views: 5148

Re: VBILX vs VBTLX

Struggling to decide which to partner with VTSAX (60) in a 60/40 portfolio with 10-15 year investment period. Which one of the two would you choose and why? Thanks for the advice... Mr. Flish: Bonds are primarily for safety when the total stock market (VTSAX) plunges. In the last 2008 bear market, ...
by MrFlish
Mon Feb 20, 2017 7:45 pm
Forum: Investing - Help with Personal Investments
Topic: VBILX vs VBTLX [Vanguard Intermediate-Term vs. Total Bond]
Replies: 49
Views: 5148

VBILX vs VBTLX [Vanguard Intermediate-Term vs. Total Bond]

Struggling to decide which to partner with VTSAX (60) in a 60/40 portfolio with 10-15 year investment period. Which one of the two would you choose and why?


Thanks for the advice...
by MrFlish
Thu Feb 16, 2017 9:32 am
Forum: Investing - Help with Personal Investments
Topic: Tax Deferred vs Taxable IRA's
Replies: 8
Views: 575

Tax Deferred vs Taxable IRA's

I'm looking for some clarification on how gains such as, dividends, interest or gains are treated in a tax deferred IRA account versus a taxable IRA. Is it correct to say that any gain created in the tax deferred account is treated as income when it's withdrawn?


Thanks in advance for the help...
by MrFlish
Thu Feb 09, 2017 6:51 pm
Forum: Investing - Help with Personal Investments
Topic: Wow, Vanguard Flagship service is bad. Really bad.
Replies: 151
Views: 22361

Re: Wow, Vanguard Flagship service is bad. Really bad.

These kind of posts sure cause me a ton of anxiety as I'm getting ready to move my investments, (Tax Deferred IRA's) to Vanguard from another firm. Well, if you are completely self reliant, and do not have any complex needs, you will probably be fine. I don't want to scare people off too much. But ...
by MrFlish
Thu Feb 09, 2017 4:03 pm
Forum: Investing - Help with Personal Investments
Topic: Wow, Vanguard Flagship service is bad. Really bad.
Replies: 151
Views: 22361

Re: Wow, Vanguard Flagship service is bad. Really bad.

These kind of posts sure cause me a ton of anxiety as I'm getting ready to move my investments, (Tax Deferred IRA's) to Vanguard from another firm.
by MrFlish
Thu Feb 09, 2017 11:20 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Opinions and Thoughts
Replies: 8
Views: 478

Re: Portfolio Opinions and Thoughts

Great points... I'm think I'm going to stay away from the international section presently. Not sure I can make a good argument why other than I don't have a lot of confidence in the section based on my gut reaction to current events. If I were to make any adjustments it might be moving the AA to 40/...
by MrFlish
Thu Feb 09, 2017 8:37 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Opinions and Thoughts
Replies: 8
Views: 478

Portfolio Opinions and Thoughts

Hello, I'm preparing to transfer my 401 upon retirement this year, to an IRA. One of the portfolio options I'm considering is shown below. I wanted to get some feedback and thoughts from the community. Assumptions: Portfolio initial balance ~1.3mm Objective is biased towards captial preservation whi...
by MrFlish
Tue Jan 17, 2017 9:21 pm
Forum: Investing - Help with Personal Investments
Topic: Fund Overlap
Replies: 4
Views: 309

Re: Fund Overlap

Ok...that makes sense. So VTSAX spreads and covers all the bases. Same approach with the total bond index... I'm beginning the process of moving a FA managed IRA (old 401) of 5 Franklin-Templeton funds to a simpler, less expensive Vanguard Index approach. When I retire later this year I plan on tran...
by MrFlish
Tue Jan 17, 2017 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: Fund Overlap
Replies: 4
Views: 309

Fund Overlap

I'm trying to understand the pro & cons, if any, concerning fund overlap. The two funds I'm comparing are Vanguard Total Stock Market Index (VTSAX) and Vanguard 500 Index (VFIAX). I'm not sure I understand why I should or should not hold both of these funds. Thanks in advance for the assistance.
by MrFlish
Mon Jan 02, 2017 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on our Portfolio
Replies: 2
Views: 410

Re: Thoughts on our Portfolio

Our annual expenses are 70-80k We just paid the house off so we're now work to build a cash reserve equaling 3 years worth of expenses, (70-80K). We started saving pretty late and cash flow the children thru college so our combined income is only now really giving us some solid traction. Looks like ...
by MrFlish
Mon Jan 02, 2017 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on our Portfolio
Replies: 2
Views: 410

Thoughts on our Portfolio

My wife and I have approx. 1.2 million in 3 tax deferred accounts, 2 401's and one IRA transfer from a previous employer. We have no other investments and have no debt. We're likely going to retire in < 5 years. I'd like to eventually transfer these accounts to Vanguard and re-baseline our plan with...
by MrFlish
Mon Jan 02, 2017 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: Investment suggestions
Replies: 4
Views: 437

Re: Investment suggestions

Thanks for the help...I'm putting together the data suggested in order to provide a better understanding of our situation and will post the edit it shortly.
by MrFlish
Sun Jan 01, 2017 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Investment suggestions
Replies: 4
Views: 437

Investment suggestions

My wife and I have approx. 1.2 million in 3 tax deferred accounts, 2 401's and one IRA transfer from a previous employer. We have no other investments and have no debt. We're likely going to retire in < 5 years. I'd like to transfer these accounts to Vanguard and re-baseline our plan with index fund...

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