Search found 25 matches

by Trying2Save
Fri Oct 06, 2017 10:49 am
Forum: Investing - Help with Personal Investments
Topic: Changes to NYS Deferred Compensation Plan
Replies: 108
Views: 13742

Re: Changes to NYS Deferred Compensation Plan

Is anyone else surprised at how disappointing the funds are performing? Maybe it's just me and my AA, but in a time when the market continues to grow and hit all-time highs, my YTD gains aren't as high as I was expecting. Whats your AA? I'm 55% Large Cap, 15% Russell 2500 and 30% bond. All in the n...
by Trying2Save
Fri Oct 06, 2017 7:52 am
Forum: Investing - Help with Personal Investments
Topic: Changes to NYS Deferred Compensation Plan
Replies: 108
Views: 13742

Re: Changes to NYS Deferred Compensation Plan

Is anyone else surprised at how disappointing the funds are performing? Maybe it's just me and my AA, but in a time when the market continues to grow and hit all-time highs, my YTD gains aren't as high as I was expecting.
by Trying2Save
Mon Jul 17, 2017 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with company stock plan?
Replies: 17
Views: 699

Re: What to do with company stock plan?

alex_686 wrote: Investing money in a sub-optimal way is better than not investing at all.
Couldn't agree more. Thank you for offering advice on my friends situation.
by Trying2Save
Mon Jul 17, 2017 12:24 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with company stock plan?
Replies: 17
Views: 699

Re: What to do with company stock plan?

... 1) Buy and sell the stock immediately to guarantee essentially a 2% additional income annually (maximum). The chances of this being a workable option might be slim. Sometimes these stock purchase plans use an average price over a single day or over a number of days/weeks to price the stock and ...
by Trying2Save
Mon Jul 17, 2017 9:54 am
Forum: Investing - Help with Personal Investments
Topic: What to do with company stock plan?
Replies: 17
Views: 699

Re: What to do with company stock plan?

The 10% discount is also taxed as ordinary income, right? Our former company didn't include this in W2 income as stock was purchased or when it was sold (although I understand that most companies do). So when selling we had short/long term capital gains and had to add our 15% discount to line 7 (wa...
by Trying2Save
Mon Jul 17, 2017 9:37 am
Forum: Investing - Help with Personal Investments
Topic: What to do with company stock plan?
Replies: 17
Views: 699

Re: What to do with company stock plan?

I would go with Option 1. That's the only one that is "free" money. Does your friend's IPS otherwise call for using 20% of his salary annually to buy his employer's stock? Take the 2% bonus and buy according to the IPS's AA. My friend does not really take interest in investing and generally follows...
by Trying2Save
Mon Jul 17, 2017 9:34 am
Forum: Investing - Help with Personal Investments
Topic: What to do with company stock plan?
Replies: 17
Views: 699

Re: What to do with company stock plan?

First, we can't tell which one would be best. Have your friend determine his goals and risk tolerance. This will inform him of his correct asset allocation and the amount of risk he can take. Then we can answer his questions. That being said: Option #1 is the lowest risk. Gains will be taxed as ord...
by Trying2Save
Mon Jul 17, 2017 9:00 am
Forum: Investing - Help with Personal Investments
Topic: What to do with company stock plan?
Replies: 17
Views: 699

What to do with company stock plan?

I was reading through some other threads that also discussed this topic but I wanted to get some of your opinions on this particular scenario. My friend recently started a new job where they're allowed to contribute up to 20% of their salary towards their company stock program. The program discounts...
by Trying2Save
Thu Jul 06, 2017 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Residential Home for $125K. Rent for $1,400 / mo.
Replies: 43
Views: 2986

Re: Residential Home for $125K. Rent for $1,400 / mo.

Can anyone recommend any reading material for someone who is interested in getting into real estate from an investing stand point.

Thank you in advance,
Trying2Save
by Trying2Save
Wed Jul 05, 2017 8:47 am
Forum: Investing - Help with Personal Investments
Topic: Which Savings Account to Open?
Replies: 5
Views: 1007

Which Savings Account to Open?

I'm looking to transfer some of my funds to a "High-Yield" Savings Account and I was wondering which institutions most people use. If possible, could you provide feedback on customer experience or any other information that will help me decide between different institutions. Additionally, are there ...
by Trying2Save
Fri Jun 30, 2017 8:05 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on Russell 2500 Index?
Replies: 3
Views: 481

Thoughts on Russell 2500 Index?

My 401k plan recently decided to switch mutual fund providers in order to reduce costs across the board for all participants. Originally, they offered Vanguard Institutional Index (S&P 500 Benchmark), Vanguard Mid Cap and Vanguard Small Cap. My original plan was to try to recreate the Total Stock Ma...
by Trying2Save
Thu Jun 29, 2017 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: Changes to NYS Deferred Compensation Plan
Replies: 108
Views: 13742

Re: Changes to NYS Deferred Compensation Plan

Does anyone know if NYSDCP offers an auto-rebalancing feature? When I look it up on the website, it states this: "Many employers offer automatic asset rebalancing for the Plan, often at no extra charge to participants. If your employer offers this feature, your Account Executive can explain your opt...
by Trying2Save
Fri Apr 28, 2017 8:24 am
Forum: Personal Consumer Issues
Topic: Boglehead Ideas for College Graduation Gifts
Replies: 14
Views: 1454

Re: Boglehead Ideas for College Graduation Gifts

Although I'm sure the recipient will prefer cash, as someone graduating college soon, I would recommend giving the person a book (depending on whether or not they would appreciate it). The first two books I read were "The Four Pillars of Investing" by William Bernstein and "The Bogleheads' Guide to ...
by Trying2Save
Fri Apr 21, 2017 4:50 pm
Forum: Investing - Help with Personal Investments
Topic: Changes to NYS Deferred Compensation Plan
Replies: 108
Views: 13742

Re: Changes to NYS Deferred Compensation Plan

Does anyone have any advice for someone who is joining NYSDCP in the next few months? I originally made a post earlier asking for advice on how to allocate my money (with respect to the current plan that is expiring), however this was not taking into account the fact that these funds will be changing.
by Trying2Save
Fri Apr 21, 2017 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: Good time to ditch my target date fund in 457b?
Replies: 15
Views: 1640

Re: Good time to ditch my target date fund in 457b?

I'm also in the NYSDCP 457-b and I've looked at the TRP Target Date Funds but I refuse to invest in them because of the expense ratio's and I just don't understand why they have so many funds in them. The Target Date 2035 fund is comprised of 10 different funds: Emerging Markets Stock Fund Equity I...
by Trying2Save
Tue Apr 18, 2017 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: First Full-Time Job: Need Help Picking Funds
Replies: 21
Views: 1572

Re: First Full-Time Job: Need Help Picking Funds

I am starting my first full-time job soon and my employer offers a 457(b) plan with no match. Yes - it is a governmental 457(b) plan, therefore I expect my job to be very stable. The vesting period is 10 years. The real question I need to answer is if I will like the work enough to stay there for 1...
by Trying2Save
Tue Apr 18, 2017 2:38 pm
Forum: Investing - Help with Personal Investments
Topic: First Full-Time Job: Need Help Picking Funds
Replies: 21
Views: 1572

Re: First Full-Time Job: Need Help Picking Funds

Can you link the fact sheet for the "International Equity Fund - Index Portfolio" so that we can see what it covers? Or quote the full name of the index it uses? . Strategy The Portfolio consists of one or more managers who provide a passively managed account which is benchmarked to the MSCI EAFE I...
by Trying2Save
Tue Apr 18, 2017 7:18 am
Forum: Investing - Help with Personal Investments
Topic: First Full-Time Job: Need Help Picking Funds
Replies: 21
Views: 1572

Re: First Full-Time Job: Need Help Picking Funds

Since this is a governmental 457(b) plan, I would personally max it before starting a taxable account. An exception to this would be if you're still accumulating short-term savings for something like your next car or a house downpayment, where you might want to direct some money each month into tha...
by Trying2Save
Tue Apr 18, 2017 7:01 am
Forum: Investing - Help with Personal Investments
Topic: First Full-Time Job: Need Help Picking Funds
Replies: 21
Views: 1572

Re: First Full-Time Job: Need Help Picking Funds

OP should look for a rebalancer tool inside the 457b. I'd be surprised if his 457b doesn't have one. If it's not in an obvious spot, OP could also look for a "change my investments" type like (NOT the same as "change my contributions"). Clicking on that will allow OP to input the percent he wants i...
by Trying2Save
Mon Apr 17, 2017 2:39 pm
Forum: Investing - Help with Personal Investments
Topic: First Full-Time Job: Need Help Picking Funds
Replies: 21
Views: 1572

Re: First Full-Time Job: Need Help Picking Funds

A couple of more questions: 1. Will you receive a pension from your Government employer? If I work for the company for 10 years, I will be vested in a traditional pension. 2. Is your occupation one that has a high risk of disability? (Public Safety, Police, Fire, etc.) No. For the most part, it's a...
by Trying2Save
Mon Apr 17, 2017 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: First Full-Time Job: Need Help Picking Funds
Replies: 21
Views: 1572

Re: First Full-Time Job: Need Help Picking Funds

1) Which funds do you think I should invest in from the list above? Three Fund Portfolio: Domestic Stocks: I use Vanguard Institutional Index (VIIX) as my only domestic equity fund in my 457(b), it's a very inexpensive S&P 500 fund. You can use it alone, or you can also add the Vanguard Mid Cap ind...
by Trying2Save
Mon Apr 17, 2017 12:26 pm
Forum: Investing - Help with Personal Investments
Topic: First Full-Time Job: Need Help Picking Funds
Replies: 21
Views: 1572

Re: First Full-Time Job: Need Help Picking Funds

1) Which funds do you think I should invest in from the list above? Your good options look to be: Vanguard Total Bond Market Index Fund (VBMPX/0.05) Vanguard Institutional Index Fund – Plus Shares (VIIIX/0.02) Vanguard Mid Cap Index - Institutional Plus (VMCPX/0.06) Vanguard Small Cap Index – Insti...
by Trying2Save
Mon Apr 17, 2017 10:27 am
Forum: Investing - Help with Personal Investments
Topic: First Full-Time Job: Need Help Picking Funds
Replies: 21
Views: 1572

First Full-Time Job: Need Help Picking Funds

Hello all, I am starting my first full-time job soon and my employer offers a 457(b) plan with no match. I am seeking advice on how I should diversify my portfolio. Useful Information: Emergency Fund: Established with enough money to cover at least 6 months of expenses. Debt: None. Tax Filing Status...
by Trying2Save
Fri Mar 17, 2017 5:17 am
Forum: Investing - Help with Personal Investments
Topic: Seeking Advice - New Investor
Replies: 4
Views: 485

Re: Getting Started

Trying2Save: It isn't clear to me if you have $10,000 to invest now . If so, consider immediately opening a 2016 Roth IRA in the amount of your 2016 earnings ($5,500 maximum). The deadline for the valuable 2016 Roth IRA is April 15th, less than a month away. If necessary, you can withdraw your Roth...
by Trying2Save
Thu Mar 16, 2017 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking Advice - New Investor
Replies: 4
Views: 485

Seeking Advice - New Investor

Hello fellow Bogleheads! My name is Trying2Save and as my name implies I am here seeking advice on how I should save. Before posting my question, I would like to thank those who took time out of their day to respond to my post. Additionally, I would like to thank William Bernstein, Taylor Larimore, ...