Search found 10 matches

by TexasEng
Tue Jan 09, 2018 9:05 am
Forum: Investing - Help with Personal Investments
Topic: Sell Betterment Holdings or Transfer In-Kind to Vangaurd?
Replies: 5
Views: 483

Re: Sell Betterment Holdings or Transfer In-Kind to Vangaurd?

Thanks for the help everyone! I think I'm just going to sell and start with a clean slate at Vangaurd.
by TexasEng
Sun Jan 07, 2018 7:21 pm
Forum: Investing - Help with Personal Investments
Topic: Sell Betterment Holdings or Transfer In-Kind to Vangaurd?
Replies: 5
Views: 483

Sell Betterment Holdings or Transfer In-Kind to Vangaurd?

Hola! I'd like to know the group's thoughts on selling my funds at Betterment or whether I should transfer in-kind to Vangaurd. I've had the account for about 3 years or so - started it with small deposits in college. It is a taxable account. My account only has $16K. Earnings are about $4K TLH is a...
by TexasEng
Sat Nov 11, 2017 8:18 am
Forum: Investing - Help with Personal Investments
Topic: [Three-fund portfolio: Robo-adviser or 3 funds?]
Replies: 13
Views: 2104

Re: [Three-fund portfolio: Robo-adviser or 3 funds?]

I used Betterment for about two years until early this year when they raised their fees from 0.15% to 0.25%. Since then, and with the benefit of knowledge gained from reading this forum, I moved my assets out and currently self-manage a Three Fund-ish portfolio at a brokerage. I enjoy the self-mana...
by TexasEng
Thu Apr 20, 2017 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: 401k & Roth Order of Contribution Clarification Q
Replies: 3
Views: 301

Re: 401k & Roth Order of Contribution Clarification Q

Thanks for laying out the options and the salary considerations. I do not qualify for the deductible, so option A is in fact preferable.

TexasEng
by TexasEng
Thu Apr 20, 2017 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: 401k & Roth Order of Contribution Clarification Q
Replies: 3
Views: 301

401k & Roth Order of Contribution Clarification Q

I'm just trying to understand what I've read over my time browsing the site. Please correct or confirm the following statements. From what I gather, the preferred avenue for retirement savings for a "high tax bracket" individual is to contribute to the pre-tax traditional 401K. This is due to the po...
by TexasEng
Fri Apr 14, 2017 7:38 am
Forum: Personal Finance (Not Investing)
Topic: Age when you started to max out your retirement accounts?
Replies: 177
Views: 29849

Re: Age when you started to max out your retirement accounts?

I think there's too much focus by some people around here about "maxing out your retirement accounts," for a number of reasons. For one, the "maxing out" amount is really just an arbitrary number set by the government that usually bears no more than minimal, if any, relationship to the relevant fac...
by TexasEng
Fri Jul 29, 2016 2:12 pm
Forum: Investing - Help with Personal Investments
Topic: asset allocation too cash heavy: how to unwind?
Replies: 37
Views: 4018

Re: asset allocation too cash heavy: how to unwind?

There are definitely cycles in the markets. The problem is we don't know how long they last. They are easier to spot in hindsight than when you are living through them. I disagree. A cycle is something with periodicity. What you are talking about are ups and downs. People try to see patterns becaus...
by TexasEng
Wed Mar 16, 2016 8:49 am
Forum: Investing - Help with Personal Investments
Topic: Trying to decide between Vanguard and Betterment for long term holdings
Replies: 18
Views: 2853

Re: Trying to decide between Vanguard and Betterment for long term holdings

Are people suggesting life strategy funds because OP said "long term holdings"? At what point should the general 3-fund portfolio be used as opposed to LS fund?
by TexasEng
Mon Dec 07, 2015 10:30 am
Forum: Investing - Help with Personal Investments
Topic: How's my company 401K? & Betterment account advice
Replies: 4
Views: 850

Re: 401K Advice & Betterment account advice

Lafder - Thanks for the response! I will be reading through those links you provided today. I appreciate your time.
by TexasEng
Thu Dec 03, 2015 8:58 am
Forum: Investing - Help with Personal Investments
Topic: How's my company 401K? & Betterment account advice
Replies: 4
Views: 850

How's my company 401K? & Betterment account advice

Hi y'all, Thanks for helping out. I just wanted to get some advice on my 401k and another account I have. Below are some details, and my questions are listed at the bottom. Emergency funds: Yes Debt: No debt Tax Filing Status: Single w/ no dependents Age: 23 Desired Asset allocation: xx% stocks / xx...