Search found 127 matches

by SpartanBull
Sat Feb 25, 2017 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: Deciding how much house to get
Replies: 25
Views: 3174

Deciding how much house to get

I am a few years out of college,in relatively good shape financially, and getting ready to buy my first home. I'm trying to determine what price range I should go with. I'm kind of deciding my general range is $250000-$400,000. My primary question is this, lets say I can comfortable afford any home ...
by SpartanBull
Wed Feb 08, 2017 1:53 am
Forum: Investing - Theory, News & General
Topic: Any definitive consensus on placement of different factors
Replies: 4
Views: 582

Re: Any definitive consensus on placement of different factors

I was surprised there weren't any opinions on this. Just thought I would bump in case anyone wanted to take a stab at it.
by SpartanBull
Mon Feb 06, 2017 1:33 am
Forum: Investing - Theory, News & General
Topic: Any definitive consensus on placement of different factors
Replies: 4
Views: 582

Any definitive consensus on placement of different factors

Lets say one has somewhat of a "tilt" portfolio that involves the following types of funds -total stock market fund -total international fund -A small cap value fund -An emerging market fund Lets say at your disposal is taxable account, 401k, Roth IRA, etc. I've seen this question discusse...
by SpartanBull
Sat Feb 04, 2017 6:30 am
Forum: Investing - Theory, News & General
Topic: Anyone have a tilt portfolio similar to this
Replies: 22
Views: 2290

Re: Anyone have a tilt portfolio similar to this

For the record the portfolio stated in the original post is not "my" portfolio. I was asking for thoughts on "this" portfolio, just referencing the hypothetical portfolio above. Personally I'm currently 100% stock, and just a 2 fund portfolio (total stock 2/3, Total international...
by SpartanBull
Sat Feb 04, 2017 2:48 am
Forum: Investing - Theory, News & General
Topic: Anyone have a tilt portfolio similar to this
Replies: 22
Views: 2290

Anyone have a tilt portfolio similar to this

Hello, I was just curious if anyone has a portfolio similar to this for their equity portion. 30% total stock market fund 30% Small Cap Value 20% total international fund 20% emerging market This fund is 60/40 as far as US/International. Its also 50% total stock market funds versus 50% in SCV and EM...
by SpartanBull
Thu Feb 02, 2017 12:45 am
Forum: Investing - Theory, News & General
Topic: Does boglehead style investing benefit from being "Too big to fail"
Replies: 7
Views: 1078

Does boglehead style investing benefit from being "Too big to fail"

I was pondering the other day one of many possible benefits to the boglehead style of investing. I'm aware that theres many floors, but for now lets just look at the 3 fund portfolio. For index investors, for them to poorly it basically means EVERYTHING has to go to hell. And if things ever get real...
by SpartanBull
Mon Jan 30, 2017 8:32 pm
Forum: Investing - Theory, News & General
Topic: Theory on whether to go Roth 401k
Replies: 89
Views: 7680

Theory on whether to go Roth 401k

Hello, This question is regarding the offering of a Roth 401k in an Solo 401k account for self employed people. Per my understanding, if you're in the 25% tax bracket,one should NOT take advantage of making their Employee portion a ROTH contribution. I'm wondering if below are reasons to go Roth, ev...
by SpartanBull
Mon Jan 30, 2017 8:18 pm
Forum: Investing - Theory, News & General
Topic: Roth 401k question
Replies: 4
Views: 569

Re: Roth 401k question

For a Roth 401k, wouldnt everything you withdraw (assume your not withdrawing early) be tax free?
by SpartanBull
Mon Jan 30, 2017 7:15 pm
Forum: Investing - Theory, News & General
Topic: Roth 401k question
Replies: 4
Views: 569

Roth 401k question

Hello, Dumb question here, but I'm having trouble getting a firm answer on this I know the people on this board will certainly know it. Individual 401k (not roth option), the money goes in pre-tax, and when you withdraw money from this account, lets say in your 60's...Are you paying tax on just the ...
by SpartanBull
Thu Jan 26, 2017 1:47 am
Forum: Investing - Help with Personal Investments
Topic: Maxing out investment vehicles
Replies: 5
Views: 791

Re: Maxing out investment vehicles

If you have multiple businesses, then you can save 54k / business in each 401k. Remember, as an employee, you can contribute a total of $18k across employers But, as an employer you can contribute upto ($54k - employee contribution) per company plan. Thats great advice, I did not know you could do ...
by SpartanBull
Thu Jan 26, 2017 1:41 am
Forum: Investing - Help with Personal Investments
Topic: Maxing out investment vehicles
Replies: 5
Views: 791

Re: Maxing out investment vehicles

Hello fellow Michigander. Any debts to take care of? What are your goals? Hello, small world! No debts whatsoever. My goal is really just financial independence. My hope is to earn enough and invest enough over the next 15 years or so, that by age 40 saving for retirement is no longer a major conce...
by SpartanBull
Wed Jan 25, 2017 8:43 pm
Forum: Investing - Help with Personal Investments
Topic: Maxing out investment vehicles
Replies: 5
Views: 791

Maxing out investment vehicles

Hello, Self employed, middle 20's in Michigan. Checking if my different investment vehicles is correct. Lets say for the sake of argument I have enough to max out everything, and then contribute to taxable according to my AA. Let me know if I'm missing something -Roth IRA (or traditional) $5500. -I4...
by SpartanBull
Sun Jan 15, 2017 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Trying to Understand HSA [Health savings account]
Replies: 5
Views: 752

Re: Trying to Understand HSA [Health savings account]

According to my dad, its definitely not a "high deductible plan". He works at a pretty small company. (Like 15-20 employees). The insurance is through Blue Care network. Co-pays are like $20-for most doctor visits, and my dad seems to think that If I required an expensive operation of some...
by SpartanBull
Sun Jan 15, 2017 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: I401k Employer Portion limit 20% or 25% of income
Replies: 23
Views: 1407

Re: I401k Employer Portion limit 20% or 25% of income

Found something online that says to calculate net self employment income, " subtract your business expenses from your business revenues, then multiply the difference by 92.35%." Therefore if making 80k, my real net self employment income is 73,880. 20% of that is 14,776. $14,776 would be m...
by SpartanBull
Sun Jan 15, 2017 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: Choice of bond fund
Replies: 5
Views: 522

Re: Choice of bond fund

I think my income may be closer to 100k in 2017. Even at that income level, is it not high enough to go with muni's in taxable? AKA I should stick with total bond fund in taxable? Thanks.
by SpartanBull
Sun Jan 15, 2017 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: Choice of bond fund
Replies: 5
Views: 522

Choice of bond fund

Hello, Middle 20's and living in michigan. Making about 80k. I have a taxable account, Roth IRA, and I401k. Is I401k an acceptable place for bonds? Also, would the best choice be total bond market, or something like intermediate term tax exempt? My understanding so far is that in tax advantaged, tot...
by SpartanBull
Sun Jan 15, 2017 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: I401k Employer Portion limit 20% or 25% of income
Replies: 23
Views: 1407

Re: I401k Employer Portion limit 20% or 25% of income

What tax software are you using to prepare you 2016 tax return? I believe Turbotax will calculate your max employer contributions to solo 401k if you're a sole proprietor. I don't think TaxAct does this calculation. Not sure about other packages. The tax software will also help you with what kind o...
by SpartanBull
Sun Jan 15, 2017 4:19 pm
Forum: Investing - Help with Personal Investments
Topic: I401k Employer Portion limit 20% or 25% of income
Replies: 23
Views: 1407

Re: I401k Employer Portion limit 20% or 25% of income

The adjustment for self employment income is what was throwing me off. So just to confirm, if making 80k, then I could have done 18k to employee, and 16k to employer. If making 100k, then I could do 18k to employee, and 20k to employer. Does that sound correct in your opinion? Thanks.
by SpartanBull
Sun Jan 15, 2017 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: I401k Employer Portion limit 20% or 25% of income
Replies: 23
Views: 1407

Re: I401k Employer Portion limit 20% or 25% of income

I am beginning to question whether Vanguard really gave you incorrect information. In my first post I gave you a detailed explanation of when and how the 20% or 25% numbers apply. It does not appear you have read and understood that basic issue. You have yet to conclusively answer the first reply t...
by SpartanBull
Sun Jan 15, 2017 4:08 pm
Forum: Investing - Help with Personal Investments
Topic: I401k Employer Portion limit 20% or 25% of income
Replies: 23
Views: 1407

Re: I401k Employer Portion limit 20% or 25% of income

I am a one-man LLC, with no common law employees. I apologize for my lack of fluency in the terminology. I am a sole proprietor. Does that sufficiently answer what type of business I am?
by SpartanBull
Sun Jan 15, 2017 2:26 am
Forum: Investing - Help with Personal Investments
Topic: I401k Employer Portion limit 20% or 25% of income
Replies: 23
Views: 1407

Re: I401k Employer Portion limit 20% or 25% of income

Here is an article I found that seems like it would support what I was originally told by the Vanguard reps. Quote from article below, link to article here "Like the regular 401k contribution limits for 2015, you can elect to defer up to $18,000 of your pre-tax income in elective contributions....
by SpartanBull
Sun Jan 15, 2017 2:08 am
Forum: Investing - Help with Personal Investments
Topic: I401k Employer Portion limit 20% or 25% of income
Replies: 23
Views: 1407

Re: I401k Employer Portion limit 20% or 25% of income

I did contribute the 20k already to the employer portion. The employee portion is also getting maxed out with the 18k, no brainer there. But once thats maxed out, to contribute more I have to use the employer portion. So back to this employer portion.. .it sounds like by putting 20k in that would h...
by SpartanBull
Sun Jan 15, 2017 2:01 am
Forum: Investing - Help with Personal Investments
Topic: I401k Employer Portion limit 20% or 25% of income
Replies: 23
Views: 1407

Re: I401k Employer Portion limit 20% or 25% of income

Unlike an excess employee deferral, a 401k excess employer contribution can not normally be removed. If any of these excess contributions we made in 2017, they could be reallocated to 2017 contributions. If not, there is a rather complicated process to resolve this. It will require extra forms, the...
by SpartanBull
Sat Jan 14, 2017 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: I401k Employer Portion limit 20% or 25% of income
Replies: 23
Views: 1407

Re: I401k Employer Portion limit 20% or 25% of income

I did contribute the 20k already to the employer portion. The employee portion is also getting maxed out with the 18k, no brainer there. But once thats maxed out, to contribute more I have to use the employer portion. So back to this employer portion...it sounds like by putting 20k in that would hav...
by SpartanBull
Sat Jan 14, 2017 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Trying to Understand HSA [Health savings account]
Replies: 5
Views: 752

Trying to Understand HSA [Health savings account]

So a little bit about me. Middle twenties, recent college graduate. Self employing making decent money. Still on my dad's insurance--I pay him back for my share (His work covers him, and then has to pay to insure his family members). I don't think this plan is a "high deductible plan" as I...
by SpartanBull
Sat Jan 14, 2017 3:02 am
Forum: Investing - Help with Personal Investments
Topic: I401k Employer Portion limit 20% or 25% of income
Replies: 23
Views: 1407

I401k Employer Portion limit 20% or 25% of income

Hello, I distinctly recall being told by a vanguard customer service rep/small business specialist that on the employer portion, its 25% of income. Therefore, if you make 80k, 20k can be contributed. I've seen in various places both number floating around...20% and 25%. Would anyone be able able to ...
by SpartanBull
Sat Jan 14, 2017 2:44 am
Forum: Investing - Theory, News & General
Topic: Is Vanguard not the best choice for I401k or Sep IRA
Replies: 13
Views: 952

Is Vanguard not the best choice for I401k or Sep IRA

As an avid believer in both vanguard and this forum, I always just presumed that when I started an I401K I would do so with Vanguard, and when I did that last year I did just that. However I've found it interesting that it seems among bogleheads, Vanguard might not be the most popular provider when ...
by SpartanBull
Fri Jan 13, 2017 8:17 pm
Forum: Investing - Help with Personal Investments
Topic: I401k Whether to go Roth or not
Replies: 48
Views: 3656

Re: I401k Whether to go Roth or not

Klangfool, I am gathering that The only reason a Roth would make sense would be if I am making an Outrageously higher salary at time of withdrawal vs now. If I'm doing better better, but not absurdly better, then the Traditional makes sense. It seems like traditional might be a safer bet...and I'm t...
by SpartanBull
Fri Jan 13, 2017 6:30 pm
Forum: Investing - Help with Personal Investments
Topic: I401k Whether to go Roth or not
Replies: 48
Views: 3656

Re: I401k Whether to go Roth or not

With 2017 being upon us, It is time to again decide whether to go Roth (or not) on the employee portion of the I401k. From the responses in this thread, it seems that If I make more now then I will at time of withdrawal, go traditional. If I'll be making more in those later years, then go Roth. So h...
by SpartanBull
Fri Jan 13, 2017 1:08 am
Forum: Investing - Theory, News & General
Topic: Uneasy lump summing right now--increased international allocation
Replies: 4
Views: 728

Uneasy lump summing right now--increased international allocation

Ok, so this thread is going Theory instead of personal investment forum because I'm not looking for advice, but I'm curious if anyone else has felt similar or acted similarly. My asset allocation is 2/3 Total stock Market (us), and 1/3 Total International. In light of where the market is at, valuati...
by SpartanBull
Wed Jan 11, 2017 2:54 am
Forum: Investing - Help with Personal Investments
Topic: Re-characerization questions
Replies: 2
Views: 297

Re-characerization questions

I have a couple of questions about re-characterization. Last year (2016) I contributed to a personal roth IRA. Additionally, in my I401k I also contributed 18k to the Employee portion, in Roth form (this was an option in the Roth Ira). This year, I contributed the max to a Roth Ira (personal), and h...
by SpartanBull
Mon Jan 09, 2017 10:25 pm
Forum: Investing - Theory, News & General
Topic: How Bad was 2008, really?
Replies: 224
Views: 20238

How Bad was 2008, really?

Full disclosure, I was too young to be invested during the financial crisis. That being said, I'm having trouble understanding how bad it was. I hear about these bear markets (tech bubble, financial crisis, etc). All I see is a sharp decline, and then everything is gained back a couple years later. ...
by SpartanBull
Sun Jan 08, 2017 10:53 pm
Forum: Investing - Theory, News & General
Topic: Over what time period should stocks NOT lose money
Replies: 50
Views: 4802

Re: Over what time period should stocks NOT lose money

OP, A) At any point of time, your equity portion could lose 50% of its value. With (A) in mind, please tell me what do you mean by stock will not lose money? i) Not lose money in REAL term? ii) Not lose money in a nominal term? KlangFool Klangfool, Real return. The question was over what period is ...
by SpartanBull
Sun Jan 08, 2017 9:25 pm
Forum: Investing - Theory, News & General
Topic: Over what time period should stocks NOT lose money
Replies: 50
Views: 4802

Over what time period should stocks NOT lose money

Hello, While there are no certainties, bogleheads clearly believe that over time, staying invested is a prudent investment. Time is your friend. If forced to answer "over what time period will stocks NOT lose money....in real terms, what would you say?". If forced to give an answer on this...
by SpartanBull
Sun Jan 08, 2017 9:05 pm
Forum: Investing - Theory, News & General
Topic: all the debate over tilting away from market-cap weighting
Replies: 27
Views: 2651

Re: all the debate over tilting away from market-cap weighting

I have a problem with the common response to this question which is typically along the lines of "nobody knows what will perform better until after the fact". However that sometimes strikes me as a bit of a cop-out because of course nobody knows...but probability does matter. Some extremel...
by SpartanBull
Sat Jan 07, 2017 8:07 pm
Forum: Investing - Theory, News & General
Topic: No Vanguard Customer Support on weekends
Replies: 55
Views: 5014

Re: No Vanguard Customer Support on weekends

I'll be honest, while I appreciate the fact that Vanguard actively tries to keep their costs low, sometimes I get the feeling they go overboard with it. They just often seem woefully understaffed from a customer service point of view. I get that they do things thing to help keep costs down which ult...
by SpartanBull
Thu Jan 05, 2017 7:32 pm
Forum: Investing - Theory, News & General
Topic: Historical International returns
Replies: 1
Views: 382

Historical International returns

I can easily find historical returns of the S and P 500, which is more or less a pretty good bench mark for the US stock market. What would be the equivalent thing to look at for International? I can only find so much data on VTSAX...just wondering what I should look at to compare performance of int...
by SpartanBull
Thu Jan 05, 2017 2:11 am
Forum: Investing - Theory, News & General
Topic: Performance of International
Replies: 11
Views: 1929

Re: Performance of International

Columbia, why do you mentioned that now would be a good time? Is that because international has performed worse recently?
by SpartanBull
Mon Jan 02, 2017 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on this potential portfolio?
Replies: 5
Views: 414

Re: Thoughts on this potential portfolio?

It seemed that because my horizon is long, you advised that I stick with what I have. For the record, I would not exactly consider this a change, as I'm only 25 and haven't been investing very long. So really, I want to find an allocation...and then I'll definitely stick what allocation and "do...
by SpartanBull
Mon Jan 02, 2017 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on this potential portfolio?
Replies: 5
Views: 414

Thoughts on this potential portfolio?

My equity portfolio currently consists of Total Stock market and Total International, both in admiral shares, with a 2/3 tilt towards US. Pretty boring, and probably somewhere in the middle as far as most people on this forum, at least from what I've found. In my quest to land on a portfolio I'm com...
by SpartanBull
Mon Jan 02, 2017 5:33 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for 60 year old parents
Replies: 10
Views: 2205

Re: Advice for 60 year old parents

To provide some information about my dad, he has a job that consists of a base salary plus commission. Of the 200k, lets ballpark that somewhere between 25%-33% is in actual salary, with the majority of the income coming from the commission aspect. I forgot exactly how it works, but apparently the m...
by SpartanBull
Mon Jan 02, 2017 4:57 pm
Forum: Investing - Theory, News & General
Topic: Whats your number to walk away?
Replies: 245
Views: 31014

Whats your number to walk away?

Hello, I'm curious as to what amount of money in your portfolio you would require right now to walk away from working/income, etc forever. Some background information such as age, type of area your in, etc, just so the response makes sense, would be helpful. I'm also curious how much of an increase ...
by SpartanBull
Sun Jan 01, 2017 12:13 pm
Forum: Investing - Theory, News & General
Topic: What inflation rate do you use for your planning?
Replies: 93
Views: 7296

Re: What inflation rate do you use for your planning?

While I do a lot planning in real terms as well, the reason I'm curious about this question is its definitely interesting to have an idea of what my "number" is. While its nice to know that "My number is whatever-million in todays dollars 30 years from now", its also interesting ...
by SpartanBull
Sun Jan 01, 2017 11:42 am
Forum: Investing - Theory, News & General
Topic: What inflation rate do you use for your planning?
Replies: 93
Views: 7296

What inflation rate do you use for your planning?

What inflation rate do you use when your making projections and setting goals? I've seen some varying things on this board. One thing I want to clarify about this question is what I mean by inflation (even though this might be obvious), but I'm referring to the change in value of one dollar. For som...
by SpartanBull
Sat Dec 31, 2016 5:16 pm
Forum: Investing - Theory, News & General
Topic: Performance of International
Replies: 11
Views: 1929

Performance of International

I've never really understood something about international. There is definitely a group that makes that argument that you "don't need international"...seemingly implying that the it performs similar enough that theres not a big diversification benefit. At the same time, I've seen people po...
by SpartanBull
Thu Dec 29, 2016 12:02 am
Forum: Investing - Theory, News & General
Topic: Expected returns 2017-2047
Replies: 30
Views: 3200

Re: Expected returns 2017-2047

Bad: -1% real Ok: 0% real Good: 1% real Spectacular: 2% real I am just trying to keep up with inflation in the most tax efficient manner possible. These responses are just silly. Even if one of those numbers turns out to correct, They wont have been OK, good, or spectacular by any stretch of the im...
by SpartanBull
Wed Dec 28, 2016 8:28 pm
Forum: Investing - Theory, News & General
Topic: Expected returns 2017-2047
Replies: 30
Views: 3200

Re: Expected returns 2017-2047

Real returns from today, or real returns continually investing? At the US market's current valuation, I'd rate the expected 30-year returns as follows: Bad - 0% real OK - 2% real Great - 4% real If someone was continually investing over the next 30 years, I'd expect these returns to be a little hig...
by SpartanBull
Wed Dec 28, 2016 6:07 pm
Forum: Investing - Theory, News & General
Topic: Expected returns 2017-2047
Replies: 30
Views: 3200

Expected returns 2017-2047

Hello, So well all know that we cannot predict returns. That being said, this is just for fun. I'm curious what your "prediction" is for EQUITY returns over the next 30 years for Total Stock Market.You can say nominal or Real, but just specify if you are doing that. For the purpose of this...
by SpartanBull
Wed Dec 28, 2016 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for 60 year old parents
Replies: 10
Views: 2205

Re: Advice for 60 year old parents

I believe my moms inheritance is mostly being managed by a merrily lynch advisor. Having discussed things with her, she's fully on board to move things over to vanguard and have "everything in one place". My only concern about that is that should we be worried about a "taxable event&q...
by SpartanBull
Tue Dec 27, 2016 10:29 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for 60 year old parents
Replies: 10
Views: 2205

Advice for 60 year old parents

Hello, I'm starting a SEP Ira for my dad. He's 60 years old, salary around 200k. Kids are grown and self sufficient. 150k inheritance on my moms side is really their only retirement savings at this point (I know I know, not good...but they are where they are). Both him and my mom have entrusted me t...