Search found 15 matches

by Pobre
Wed May 24, 2017 9:40 am
Forum: Investing - Help with Personal Investments
Topic: Help with asset allocation across multiple accounts
Replies: 17
Views: 1107

Re: Help with asset allocation across multiple accounts

I suddenly had some time I may not have for a while, so I thought I'd work something out the best I can. Hopefully it is helpful. You can always ask for adjustments to my suggestions. The hardest part is over. Tax Rate: 25% Federal, 0% State Age: His: 45, Hers: 35 Desired Asset allocation: 67% stoc...
by Pobre
Wed May 24, 2017 3:23 am
Forum: Investing - Help with Personal Investments
Topic: Help with asset allocation across multiple accounts
Replies: 17
Views: 1107

Re: Help with asset allocation across multiple accounts

1. How should I achieve my desired asset allocation across all of these accounts while keeping it simple? I have already read "Asset allocation in multiple accounts" in the bogleheads wiki. The information there is very helpful, but overwhelming at the same time. I can probably figure thi...
by Pobre
Tue May 23, 2017 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: Help with asset allocation across multiple accounts
Replies: 17
Views: 1107

Re: Help with asset allocation across multiple accounts

I suddenly had some time I may not have for a while, so I thought I'd work something out the best I can. Hopefully it is helpful. You can always ask for adjustments to my suggestions. The hardest part is over. Tax Rate: 25% Federal, 0% State Age: His: 45, Hers: 35 Desired Asset allocation: 67% stoc...
by Pobre
Tue May 23, 2017 12:34 pm
Forum: Investing - Help with Personal Investments
Topic: Help with asset allocation across multiple accounts
Replies: 17
Views: 1107

Re: Help with asset allocation across multiple accounts

I realize you may have wanted to abbreviate the process and choose only the winners we'd choose based on costs, but we should have all the information. In fact, I've been studying your portfolio and realized I cannot proceed without knowing if I have all the 401k information. 1. Have you listed all...
by Pobre
Fri May 19, 2017 8:38 am
Forum: Investing - Help with Personal Investments
Topic: Help with asset allocation across multiple accounts
Replies: 17
Views: 1107

Re: Help with asset allocation across multiple accounts

I'm not sure what my tax bracket in retirement will be. How do I calculate/estimate that? One way is to use your current savings rate and see how much you expect to have saved up by retirement. Or you may have a target retirement goal, such that if you reach that goal you will retire. It is useful ...
by Pobre
Fri May 19, 2017 7:38 am
Forum: Investing - Help with Personal Investments
Topic: Help with asset allocation across multiple accounts
Replies: 17
Views: 1107

Re: Help with asset allocation across multiple accounts

This part bothers me His 401k xx% fund name (ticker symbol) (expense ratio) 31% Principal LargeCap S&P 500 Index Inst Fund (PLFIX) (0.16%) 13% Principal MidCap R5 Fund (PMBPX) (0.85%) 3% Principal SmallCap R5 Fund (PSBPX) (1.04%) The expenses for the mid cap and small cap funds are far too high...
by Pobre
Fri May 19, 2017 7:20 am
Forum: Investing - Help with Personal Investments
Topic: Help with asset allocation across multiple accounts
Replies: 17
Views: 1107

Re: Help with asset allocation across multiple accounts

I would concur with some of the earlier advice to fund the 401ks more so than the Roths. With your difference in ages it is possible that you will retire before your wife and create a few lower income years where 401k funds could be withdrawn while in the 15% bracket. (This is just a guess as you d...
by Pobre
Fri May 19, 2017 7:00 am
Forum: Investing - Help with Personal Investments
Topic: Help with asset allocation across multiple accounts
Replies: 17
Views: 1107

Re: Help with asset allocation across multiple accounts

What do you expect your tax bracket in retirement will be? Do you expect a significant pension? Since you have some reasonable choices in your 401K plans, if your tax rate in retirement is expected to be more than 5% lower than you are paying now, you should consider maxing your Traditional 401K be...
by Pobre
Fri May 19, 2017 6:52 am
Forum: Investing - Help with Personal Investments
Topic: Help with asset allocation across multiple accounts
Replies: 17
Views: 1107

Re: Help with asset allocation across multiple accounts

2. Since I am looking at mine and my wife's accounts as one single portfolio, how would we do "Your age in bonds" if we are 10 years apart in age? I would suggest that you don't. I would read in a couple of Larry Swedroe's books and apply the concept of need/ability/willingess to take ris...
by Pobre
Thu May 18, 2017 8:57 am
Forum: Investing - Help with Personal Investments
Topic: Help with asset allocation across multiple accounts
Replies: 17
Views: 1107

Help with asset allocation across multiple accounts

Hello, dear bugleheads! Emergency funds: Three to six months of expenses Debt: None. Mortgage paid off. Tax Filing Status: Married Filing Jointly Tax Rate: 25% Federal, 0% State State of Residence: TN Age: His: 45, Hers: 35 Desired Asset allocation: 67% stocks / 33% bonds Desired International alloc...
by Pobre
Thu May 18, 2017 8:43 am
Forum: Investing - Help with Personal Investments
Topic: Best way to invest Traditional IRA funds when not contributing
Replies: 10
Views: 1327

Re: Best way to invest Traditional IRA funds when not contributing

Aptenodytes,

Thank you very much, and I apologize for the late response!
by Pobre
Mon Jan 25, 2016 12:41 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to invest Traditional IRA funds when not contributing
Replies: 10
Views: 1327

Re: Best way to invest Traditional IRA funds when not contributing

Your question does not make a lot of sense (to me) outside of the context of your whole portfolio. However, there is an answer. The answer is to invest your tIRA in such a way as to achieve the asset allocation you have decided on. That is not intended to be a smart a$$ answer. Here's a guess based...
by Pobre
Fri Jan 22, 2016 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to invest Traditional IRA funds when not contributing
Replies: 10
Views: 1327

Re: Best way to invest Traditional IRA funds when not contributing

jhfenton,

Thank you very much for your reply and for the valuable information!
by Pobre
Fri Jan 22, 2016 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to invest Traditional IRA funds when not contributing
Replies: 10
Views: 1327

Re: Best way to invest Traditional IRA funds when not contributing

mhalley, Thank you very much for your reply! My traditional IRA is about 13% of my portfolio. Thank you for the link. I will make sure to make time to read it. To clarify my question a bit more: Which index fund(s) should I invest in money saved in a traditional IRA which I'm not contributing to? Lo...
by Pobre
Fri Jan 22, 2016 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to invest Traditional IRA funds when not contributing
Replies: 10
Views: 1327

Best way to invest Traditional IRA funds when not contributing

Hello! I'm new here. Thank you very much for all the very valuable information you have all contributed here. I have been reading and learning for a couple of years. I finally came up with a question I could not find the answer to here or elsewhere. What is the best way to invest Traditional IRA fun...

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