Search found 2712 matches

by Triple digit golfer
Mon Feb 20, 2017 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: Reinvesting dividends and cap gains in taxable account
Replies: 4
Views: 173

Re: Reinvesting dividends and cap gains in taxable account

I have a taxable account, but I am not contributing to it. I have FTSE All World ex-US index fund and Intermediate Term Tax Exempt. The former is intended to only be used for retirement and thus no shares to be sold for decades, barring a very large emergency. The latter is a second tier to my emer...
by Triple digit golfer
Mon Feb 20, 2017 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: Reinvesting dividends and cap gains in taxable account
Replies: 4
Views: 173

Reinvesting dividends and cap gains in taxable account

I have a taxable account, but I am not contributing to it. I have FTSE All World ex-US index fund and Intermediate Term Tax Exempt. The former is intended to only be used for retirement and thus no shares to be sold for decades, barring a very large emergency. The latter is a second tier to my emerg...
by Triple digit golfer
Mon Feb 20, 2017 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: 20% bonds: why bother at 48?
Replies: 77
Views: 2494

Re: 20% bonds: why bother at 48?

When people say 100% equities, I hope they are EXCLUDING cash savings and a healthy emergency fund. If you come into trouble and need to survive a year on no income, you'll be glad you have bonds or cash. Suppose you are young, 28 years old, single and living alone, with $50,000 in annual expenses. ...
by Triple digit golfer
Sat Feb 18, 2017 10:27 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review for 31 year old married couple with baby on the way
Replies: 4
Views: 547

Re: Portfolio review for 31 year old married couple with baby on the way

I should be able to flip between Total International and FTSE all World ex US without having to worry about wash sales.

As for accessing the Roth in an emergency, I could keep stocks in there and then exchange bonds for stocks in the rollover if necessary.
by Triple digit golfer
Sat Feb 18, 2017 9:30 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review for 31 year old married couple with baby on the way
Replies: 4
Views: 547

Re: Portfolio review for 31 year old married couple with baby on the way

Thanks for your reply. I'd like to keep international in taxable. I currently hold bonds in the rollover IRA. I would like to keep them out of the Roth and use Roth space for equities since they are expected to grow faster. I am totally open to recommendations, up to reworking the entire portfolio i...
by Triple digit golfer
Sat Feb 18, 2017 8:45 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review for 31 year old married couple with baby on the way
Replies: 4
Views: 547

Portfolio review for 31 year old married couple with baby on the way

I appreciate any and all feedback! Emergency funds: Currently have $72k in savings and $27k in a CD - easily 15 months of expenses Debt: Mortgage: $343k remaining at 3.50% (30 year fixed) Tax Filing Status: Married Filing Jointly Tax Rate: 25% Federal, 3.75% State State of Residence: IL Age: 31 Desi...
by Triple digit golfer
Sat Feb 18, 2017 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: Question on cash needs in taxable account
Replies: 19
Views: 1167

Re: Question on cash needs in taxable account

KlangFool, Fair enough! Here is the big picture: Emergency funds: Currently have $72k in savings and $27k in a CD - easily 15 months of expenses Debt: Mortgage: $343k remaining at 3.50% (30 year fixed) Tax Filing Status: Married Filing Jointly Tax Rate: 25% Federal, 3.75% State State of Residence: I...
by Triple digit golfer
Sat Feb 18, 2017 4:12 am
Forum: Investing - Help with Personal Investments
Topic: Question on cash needs in taxable account
Replies: 19
Views: 1167

Re: Question on cash needs in taxable account

Triple digit golfer, Why? It is still interest income and taxed as ordinary income. Meanwhile, you get qualified dividend from stock which is taxed the same as long-term capital gain. Long-term capital gain tax is lower than ordinary income tax. So, how can this be better? KlangFool If I may, From ...
by Triple digit golfer
Sat Feb 18, 2017 4:02 am
Forum: Investing - Help with Personal Investments
Topic: Question on cash needs in taxable account
Replies: 19
Views: 1167

Re: Question on cash needs in taxable account

Thanks to you both. Where I'm at is a total portfolio including all retirement and taxable accounts, of $500k. With Livesoft's advice, my wife and I want to look at all money in one portfolio. We want to have an emergency plan, not necessarily an emergency fund. Where were at now is a $500k portfoli...
by Triple digit golfer
Fri Feb 17, 2017 10:15 pm
Forum: Investing - Help with Personal Investments
Topic: Question on cash needs in taxable account
Replies: 19
Views: 1167

Re: Question on cash needs in taxable account

Onourway, Thank you for the well thought out post! If the market increases 50 %, your equities would be 75K (taxable), 75K (401k) and 50K (401k). If you are looking to minimize taxes, why not take the 25k from taxable? The tax you pay would depend on the lot(s) sold and other income. You can then r...
by Triple digit golfer
Fri Feb 17, 2017 9:55 pm
Forum: Investing - Help with Personal Investments
Topic: Question on cash needs in taxable account
Replies: 19
Views: 1167

Re: Question on cash needs in taxable account

Onourway, Thank you for the well thought out post! If the market increases 50 %, your equities would be 75K (taxable), 75K (401k) and 50K (401k). If you are looking to minimize taxes, why not take the 25k from taxable? The tax you pay would depend on the lot(s) sold and other income. You can then re...
by Triple digit golfer
Fri Feb 17, 2017 9:21 pm
Forum: Investing - Help with Personal Investments
Topic: Question on cash needs in taxable account
Replies: 19
Views: 1167

Re: Question on cash needs in taxable account

Which brings me to my next point. Why not have bonds in taxable, but use tax exempt bonds? This way, no federal tax on earnings, and the bonds act as a portion of my bond holdings and my emergency fund all in one.
by Triple digit golfer
Fri Feb 17, 2017 7:35 pm
Forum: Investing - Help with Personal Investments
Topic: Question on cash needs in taxable account
Replies: 19
Views: 1167

Question on cash needs in taxable account

I understand how this concept works, and I have double what I would expect to have to withdraw in equities in a taxable account. Withdrawing after a crash makes sense to me. You sell at a loss and then exchange bonds for equities in the same amount in a tax-advantaged account to remain whole in tota...
by Triple digit golfer
Wed Feb 15, 2017 3:14 pm
Forum: Investing - Help with Personal Investments
Topic: Help w/ 401K Fund Allocations
Replies: 9
Views: 405

Re: Help w/ 401K Fund Allocations

I'd go with retiredjg's option #2 and do the same allocation in each account. Simple, effective, and easy to manage.
by Triple digit golfer
Tue Feb 14, 2017 2:33 pm
Forum: Personal Consumer Issues
Topic: Scary bed bug addendum on lease - should I walk away?
Replies: 23
Views: 2190

Re: Scary bed bug addendum on lease - should I walk away?

My opinion is you'd be crazy to sign that lease. Run.
by Triple digit golfer
Mon Feb 13, 2017 3:24 pm
Forum: Investing - Theory, News & General
Topic: Why go with an 80% stock / 20% bond portfolio?
Replies: 328
Views: 17490

Re: Why go with an 80% stock / 20% bond portfolio?

I'm late to the party, but what about the possibility that bonds may outperform stocks over the next 10, 20, or even 50 years? Regardless of expected return and time horizon, it is important to me not to exclude a major asset class such as bonds in my portfolio. If it's all about the long-term and i...
by Triple digit golfer
Sat Feb 11, 2017 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: Medium term savings goals
Replies: 14
Views: 635

Re: Medium term savings goals

Thanks. Was also considering Vanguard Target Retirement Income or Lifestrategy Conservative Income.
by Triple digit golfer
Sat Feb 11, 2017 5:06 pm
Forum: Investing - Help with Personal Investments
Topic: Medium term savings goals
Replies: 14
Views: 635

Re: Medium term savings goals

willthrill81 wrote:
Triple digit golfer wrote:So maybe Wellesley it is. Would you reinvest capital gains and dividends?


Unless you need the cash, yes.


No, I don't need the cash, but don't want to get killed on taxes either.
by Triple digit golfer
Sat Feb 11, 2017 4:48 pm
Forum: Investing - Help with Personal Investments
Topic: Medium term savings goals
Replies: 14
Views: 635

Re: Medium term savings goals

Is it appropriate in a taxable account? Since you aren't saving this money for retirement, a taxable account is about your only real choice. You'll have to pay taxes on dividends as they come up and capital gains (if applicable) when you sell, but if you're in the 10% or 15% marginal brackets for e...
by Triple digit golfer
Sat Feb 11, 2017 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: Medium term savings goals
Replies: 14
Views: 635

Re: Medium term savings goals

Is it appropriate in a taxable account? Since you aren't saving this money for retirement, a taxable account is about your only real choice. You'll have to pay taxes on dividends as they come up and capital gains (if applicable) when you sell, but if you're in the 10% or 15% marginal brackets for e...
by Triple digit golfer
Sat Feb 11, 2017 3:47 pm
Forum: Investing - Help with Personal Investments
Topic: Medium term savings goals
Replies: 14
Views: 635

Re: Medium term savings goals

Index Fan wrote:For 3-10 years a bond fund would be good, even a conservative asset allocation fund if you wanted some more risk.


Which fund would be appropriate in a taxable account? Would I elect not to reinvest dividends and capital gains?
by Triple digit golfer
Sat Feb 11, 2017 3:36 pm
Forum: Investing - Help with Personal Investments
Topic: Medium term savings goals
Replies: 14
Views: 635

Re: Medium term savings goals

Is it appropriate in a taxable account?
by Triple digit golfer
Sat Feb 11, 2017 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: Medium term savings goals
Replies: 14
Views: 635

Medium term savings goals

I am trying to decide where to put money for my family for expected irregular expenditures over the next 3-10 years - perhaps a new air conditioner, one new (used) vehicle, and other things that may come up around the house. The furnace is 12 years old, roof is at least that old, so I know that I wa...
by Triple digit golfer
Mon Feb 06, 2017 7:22 pm
Forum: Investing - Help with Personal Investments
Topic: Is my portfolio 73/27 or 92/8?
Replies: 10
Views: 963

Re: Is my portfolio 73/27 or 92/8?

I always get caught up on whether I'm too conservative or too aggressive. If I count the savings/CDs, we're at 73% equities, which I think is too conservative. If I do not count them and only count money that is in my head designated for "retirement," we're at 92% equities with a cash cus...
by Triple digit golfer
Mon Feb 06, 2017 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: Is my portfolio 73/27 or 92/8?
Replies: 10
Views: 963

Is my portfolio 73/27 or 92/8?

I'm sure the general consensus will be "It doesn't matter" or "Who cares, as long as you're comfortable with your portfolio," but humor me. We have a total portfolio, including savings/emergency funds of approximately $478k, split as follows: 401k/403b/Rollover IRA: Equities $201...
by Triple digit golfer
Sun Feb 05, 2017 11:00 am
Forum: Investing - Help with Personal Investments
Topic: U.S. vs. International index in taxable account
Replies: 11
Views: 726

Re: U.S. vs. International index in taxable account

Hint: Line 44: (see instructions). That means Please read the instructions very carefully for Form 1040 Line 44. :) Was just doing that - Schedule D is apparently important here :) I would've said the Qualified Dividends are important here. :) Yes - thank you. I know the tax computation is correct ...
by Triple digit golfer
Sun Feb 05, 2017 10:54 am
Forum: Investing - Help with Personal Investments
Topic: U.S. vs. International index in taxable account
Replies: 11
Views: 726

Re: U.S. vs. International index in taxable account

livesoft wrote:Hint: Line 44: (see instructions).

That means Please read the instructions very carefully for Form 1040 Line 44. :)


Was just doing that - Schedule D is apparently important here :)
by Triple digit golfer
Sun Feb 05, 2017 10:48 am
Forum: Investing - Help with Personal Investments
Topic: U.S. vs. International index in taxable account
Replies: 11
Views: 726

Re: U.S. vs. International index in taxable account

I suggest you read the instructions for Form 1040 and not use tax software. Did your tax software give you the foreign tax credit? Yes, I made sure of that. $89 credit. I read the instructions and even when I use the calculation on the instructions, I come up with a $102 difference, which is 10% of...
by Triple digit golfer
Sun Feb 05, 2017 10:41 am
Forum: Investing - Help with Personal Investments
Topic: U.S. vs. International index in taxable account
Replies: 11
Views: 726

Re: U.S. vs. International index in taxable account

My total dividends were $2,473 and of that, $1,350 were ordinary and $1,023 qualified. All qualified dividends are ordinary dividends. So don't double-count them. Didn't Vanguard send you a 1099-DIV explanation? In that case, total were $1,350 and $1,023 were qualified. My 1040 shows line 9a, ordin...
by Triple digit golfer
Sun Feb 05, 2017 10:29 am
Forum: Investing - Help with Personal Investments
Topic: U.S. vs. International index in taxable account
Replies: 11
Views: 726

Re: U.S. vs. International index in taxable account

See this thread: https://www.bogleheads.org/forum/viewtopic.php?t=208818 Download the spreadsheet and do the calculations for your situation to get answers specific for your situation and last year. This year may be different. PS: I have no idea about your first question which kind of seems out of ...
by Triple digit golfer
Sun Feb 05, 2017 10:18 am
Forum: Investing - Help with Personal Investments
Topic: U.S. vs. International index in taxable account
Replies: 11
Views: 726

U.S. vs. International index in taxable account

I hold the S&P 500 index in my tax-advantaged accounts and FTSE All World ex-US Index in my taxable account. I noticed when filing my taxes that my 1099-DIV showed that the FTSE All World ex-US Index had more ordinary dividends than qualified dividends. I came across this page on Vanguard, which...
by Triple digit golfer
Sat Feb 04, 2017 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Question on placing cash needs in taxable
Replies: 3
Views: 356

Re: Question on placing cash needs in taxable

My understanding is that you are an accountant. Suppose your savings account paid 15% a year. Would you take your money out and put it in a checking account to avoid gains so that you would not pay taxes? Isn't that apples to oranges? I would have the stock gain in the tax-advantaged account instea...
by Triple digit golfer
Sat Feb 04, 2017 9:02 am
Forum: Investing - Help with Personal Investments
Topic: Question on placing cash needs in taxable
Replies: 3
Views: 356

Question on placing cash needs in taxable

Hi all, currently my wife and I have a portfolio consisting of: 401k/403b/Rollerovers: $235k - stock index funds and our 10% bond index portion of our portfolio Roth IRAs: $82k - stock index funds only Taxable: $68k - stock index fund only and can also be an emergency fund. Outside of the above, we ...
by Triple digit golfer
Wed Feb 01, 2017 1:41 pm
Forum: Investing - Help with Personal Investments
Topic: Order of investing priority
Replies: 25
Views: 2314

Re: Order of investing priority

How about same as I suggested before, plus contributing any "uncontributed" money from the 401k to a: taxable account, in Vanguard Total Stock Market Index Fund? I don't think skipping the tax deferred opportunity in either the 401k or 403b is a good idea. Use the S&P 500 fund ER 0.65...
by Triple digit golfer
Wed Feb 01, 2017 11:54 am
Forum: Investing - Help with Personal Investments
Topic: Order of investing priority
Replies: 25
Views: 2314

Re: Order of investing priority

How about same as I suggested before, plus contributing any "uncontributed" money from the 401k to a: taxable account, in Vanguard Total Stock Market Index Fund? I don't think skipping the tax deferred opportunity in either the 401k or 403b is a good idea. Use the S&P 500 fund ER 0.65...
by Triple digit golfer
Tue Jan 31, 2017 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: Order of investing priority
Replies: 25
Views: 2314

Re: Order of investing priority

How about same as I suggested before, plus contributing any "uncontributed" money from the 401k to a: taxable account, in Vanguard Total Stock Market Index Fund? I don't think skipping the tax deferred opportunity in either the 401k or 403b is a good idea. Use the S&P 500 fund ER 0.65...
by Triple digit golfer
Mon Jan 30, 2017 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: Approaching 30 - Best use of excess cash for goals
Replies: 11
Views: 1442

Re: Approaching 30 - Best use of excess cash for goals

Do you have an emergency fund?

It's a matter of when, not if, you'll need money for house repairs and maintenance. Is that factored into your monthly budget?
by Triple digit golfer
Mon Jan 30, 2017 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: 529 plan for unborn child
Replies: 22
Views: 1693

Re: 529 plan for unborn child

Thanks, Constant Chaos! Good to know.

I am going to take the advice of the majority here and set it up after my child is born. No big deal to wait until later in the year and catch up then.
by Triple digit golfer
Mon Jan 30, 2017 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: Order of investing priority
Replies: 25
Views: 2314

Re: Order of investing priority

So this, for your contributions? 63% ($19k) 50%, 401k, S&P 500 index fund ER 0.65% 13%, 403b, domestic small-cap stock fund ER 0.45% 37% ($11k) Roth IRAs, 10%, bond index fund 27%, international stock index fund One other (not so small) consideration that I erroneously left out: My 401k is not ...
by Triple digit golfer
Mon Jan 30, 2017 12:44 pm
Forum: Investing - Help with Personal Investments
Topic: Order of investing priority
Replies: 25
Views: 2314

Re: Order of investing priority

I typically read that the order of investing priority, in the vast majority of cases, is as follows: 1. 401k/403b up to company match 2. Max Roth IRA 3. 401k/403b up to max 4. Taxable investing Let's say that my wife and I want to contribute $30k on an income of $170k and our 401k/403b's offer full...
by Triple digit golfer
Mon Jan 30, 2017 12:34 pm
Forum: Investing - Help with Personal Investments
Topic: Order of investing priority
Replies: 25
Views: 2314

Re: Order of investing priority

I typically read that the order of investing priority, in the vast majority of cases, is as follows: 1. 401k/403b up to company match 2. Max Roth IRA 3. 401k/403b up to max 4. Taxable investing Let's say that my wife and I want to contribute $30k on an income of $170k and our 401k/403b's offer full...
by Triple digit golfer
Mon Jan 30, 2017 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: Order of investing priority
Replies: 25
Views: 2314

Order of investing priority

I typically read that the order of investing priority, in the vast majority of cases, is as follows: 1. 401k/403b up to company match 2. Max Roth IRA 3. 401k/403b up to max 4. Taxable investing Let's say that my wife and I want to contribute $30k on an income of $170k and our 401k/403b's offer full ...
by Triple digit golfer
Mon Jan 30, 2017 11:33 am
Forum: Investing - Help with Personal Investments
Topic: 529 plan for unborn child
Replies: 22
Views: 1693

Re: 529 plan for unborn child

Thanks to all for the responses. The articles to which I was referring are below. Apparently a conservative fund lost money due to poor management in 2008. However, this shouldn't affect me if I go the index route, which uses Vanguard funds. http://www.terrysavage.com/ask-terry/college-savings-plans...
by Triple digit golfer
Sat Jan 28, 2017 1:02 pm
Forum: Investing - Help with Personal Investments
Topic: 529 plan for unborn child
Replies: 22
Views: 1693

529 plan for unborn child

Hi all, My wife is pregnant with our first child. Although the baby is not due for another seven months, I would love to get a jump start on saving for college. We live in IL, but I have heard some bad things about the Illinois Bright Start college savings plan. We plan on contributing around $4,500...
by Triple digit golfer
Mon Jan 02, 2017 2:04 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio check-up
Replies: 1
Views: 284

Portfolio check-up

Hi all, Thought the new year would be a good time to do a quick check-up on my portfolio and get some feedback. Emergency funds: 6+ months of expenses in savings, plus taxable investment account can always serve as additional if absolutely necessary Debt: Mortgage, $344,000, 3.5% 30 year fixed Tax F...
by Triple digit golfer
Sun Nov 06, 2016 9:27 am
Forum: Personal Consumer Issues
Topic: Lawncare tips
Replies: 15
Views: 1801

Lawncare tips

My wife and I bought our first house in August. Unfortunately, the lawn needs some work, or maybe just some TLC. The home was vacant for several months and the people did not take care of the lawn. There are several spots that are bare or pretty thin. I am not looking for a golf course fairway, just...
by Triple digit golfer
Tue Oct 11, 2016 7:33 pm
Forum: Investing - Theory, News & General
Topic: Highly compensated employee limits - 401k
Replies: 29
Views: 2701

Re: Highly compensated employee limits - 401k

I had an employer spring this on us towards the end of the year. Ended up getting over 5k back as essentially a surprise. The 401(k) was pretty terrible to begin with (one index fund at 0.75% ER, rest were over 1%, mostly actively managed low quality funds), HR was financially clueless, the plan wa...
by Triple digit golfer
Tue Oct 11, 2016 3:37 pm
Forum: Investing - Theory, News & General
Topic: Highly compensated employee limits - 401k
Replies: 29
Views: 2701

Re: Highly compensated employee limits - 401k

Thanks to all for your posts. I don't see the company changing anything - the CFO is extremely busy and there are other important things going on. The HR department is small and the CFO really manages the 401(k) plan herself. I guess I will plow my refund check, if I get one, into a taxable account ...
by Triple digit golfer
Tue Oct 11, 2016 11:13 am
Forum: Investing - Theory, News & General
Topic: Highly compensated employee limits - 401k
Replies: 29
Views: 2701

Re: Highly compensated employee limits - 401k

I would see if the company would be willing to shift some of the employee income to company contributions to the 401k to qualify for the safe harbor rules. If you do get a refund, I would first fund tax advantaged accounts (e.g., IRA, Roth, HSA), then I would fund my taxable account. Thank you. Do ...

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