Search found 14 matches

by a5ehren
Mon Jun 19, 2017 3:45 pm
Forum: Investing - Theory, News & General
Topic: Poll: Do Bogleheads own Stocks?
Replies: 75
Views: 5989

Re: Poll: Do Bogleheads own Stocks?

I hold company stock for about 10 minutes twice a year from ESPP. Company has returned a total of 4% over the last 5 years while being pretty volatile, so there's no reason to hold it in a decent portfolio. Worst case scenario (after discount and tax) is ~10% return over 6 months, but it is usually ...
by a5ehren
Fri Jun 02, 2017 7:32 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1818
Views: 289118

Re: What's Your Credit Card Rewards Strategy?

I only have one credit card that use for everything, American Express Blue Cash Preferred. I've tried chasing bonuses and it's too much hassle in my opinion. Simplicity is valuable. Yeah, I have the new USAA card that does 2.5% for everything. It is extremely nice, and I don't have to spend my time...
by a5ehren
Thu Jun 01, 2017 11:29 am
Forum: Investing - Help with Personal Investments
Topic: Need to rebalance out of an expensive target date fund
Replies: 20
Views: 1099

Re: Need to rebalance out of an expensive target date fund

That's true. Maybe I'll send that to the kid's 529 :D It's commonly advised to max out your retirement accounts before funding college accounts, since the latter are more restrictive and you can't easily get a loan to pay for retirement. I'm only putting enough in now to get the state tax deduction...
by a5ehren
Thu Jun 01, 2017 11:21 am
Forum: Investing - Help with Personal Investments
Topic: Need to rebalance out of an expensive target date fund
Replies: 20
Views: 1099

Re: Need to rebalance out of an expensive target date fund

Yep. With the way the %ages lie once you remove the Roths it actually makes the math read a lot easier, too. His 401k at Schwab - 65% total 30% 500 Institutional - 0.04% 15% Extended Mkt Inst - 0.06% 15% Total Intl Stock - 0.09% 5% Total Bond - 0.04% Her 403b at Fidelity - 35% 15% Fidelity 500 Inde...
by a5ehren
Thu Jun 01, 2017 11:14 am
Forum: Investing - Help with Personal Investments
Topic: Need to rebalance out of an expensive target date fund
Replies: 20
Views: 1099

Re: Need to rebalance out of an expensive target date fund

That's true. Maybe I'll send that to the kid's 529 :D It's commonly advised to max out your retirement accounts before funding college accounts, since the latter are more restrictive and you can't easily get a loan to pay for retirement. I'm only putting enough in now to get the state tax deduction...
by a5ehren
Thu Jun 01, 2017 10:57 am
Forum: Investing - Help with Personal Investments
Topic: Need to rebalance out of an expensive target date fund
Replies: 20
Views: 1099

Re: Need to rebalance out of an expensive target date fund

New contributions: ~14000 His 401k (with an eye to ramping to ~20k after employer match over the next few years) Split 40/20/20/10 among the funds ~13000 Her 403b (with no ramp until above is done) Split 40/20/20/10 among the funds You'll be able to put a bit more in these accounts, because moving ...
by a5ehren
Thu Jun 01, 2017 10:56 am
Forum: Investing - Help with Personal Investments
Topic: Need to rebalance out of an expensive target date fund
Replies: 20
Views: 1099

Re: Need to rebalance out of an expensive target date fund

Yep. With the way the %ages lie once you remove the Roths it actually makes the math read a lot easier, too. His 401k at Schwab - 65% total 30% 500 Institutional - 0.04% 15% Extended Mkt Inst - 0.06% 15% Total Intl Stock - 0.09% 5% Total Bond - 0.04% Her 403b at Fidelity - 35% 15% Fidelity 500 Index...
by a5ehren
Thu Jun 01, 2017 10:35 am
Forum: Investing - Help with Personal Investments
Topic: Need to rebalance out of an expensive target date fund
Replies: 20
Views: 1099

Re: Need to rebalance out of an expensive target date fund

Thanks for the idea. Right now I'm weighing a plan where I would stop the IRA contributions in favor of ramping up the pre-tax accounts. In that scenario I'd probably convert both Roth accounts to Target 2050 and make aggressive 4-fund AAs in the main accounts. Something like this?: His 401k at Schw...
by a5ehren
Thu Jun 01, 2017 9:55 am
Forum: Investing - Help with Personal Investments
Topic: Need to rebalance out of an expensive target date fund
Replies: 20
Views: 1099

Re: Need to rebalance out of an expensive target date fund

That's a good point that I hadn't thought about. I created the Roth accounts under the assumption that taxes would have to go up at some point in the next 30 years, but that may not be true.

I don't expect to need to withdraw more than the 2045-equivalent of $75k/yr in retirement.
by a5ehren
Wed May 31, 2017 9:00 pm
Forum: Investing - Help with Personal Investments
Topic: Need to rebalance out of an expensive target date fund
Replies: 20
Views: 1099

Re: Need to rebalance out of an expensive target date fund

His 401k -> ~$8700/year (working on bumping this up)
Her 403b -> ~7500/year

I'll add it to the OP.
by a5ehren
Wed May 31, 2017 3:52 pm
Forum: Investing - Help with Personal Investments
Topic: Need to rebalance out of an expensive target date fund
Replies: 20
Views: 1099

Re: Need to rebalance out of an expensive target date fund

Going to give this a quick bump to see if there's any other advice now that we're back from the holiday.

Probably going to pull the trigger on my allocation from the last post this weekend if no major objections.
by a5ehren
Fri May 26, 2017 3:54 pm
Forum: Investing - Theory, News & General
Topic: Austrian investing: starting simple
Replies: 6
Views: 523

Re: Austrian investing: starting simple

I suggest you look it up, maybe from a reference in the book you read, before committing to an investment program based on it. PJW +1000 I figured OP would know the answer to that, hence the thread trying to evangelize it. The short, skeptical answer is that if there was a magic formula to time the...
by a5ehren
Fri May 26, 2017 2:53 pm
Forum: Investing - Help with Personal Investments
Topic: Need to rebalance out of an expensive target date fund
Replies: 20
Views: 1099

Re: Need to rebalance out of an expensive target date fund

Yeah, the %ages here are 2nd-order approximations, but I have the actual numbers in an Excel sheet and I promise it all adds up :D Balancing across accounts is probably a good idea, though I have to admit a 29% weight on international makes me a bit uncomfortable. My version might look something lik...
by a5ehren
Fri May 26, 2017 9:27 am
Forum: Investing - Help with Personal Investments
Topic: Need to rebalance out of an expensive target date fund
Replies: 20
Views: 1099

Need to rebalance out of an expensive target date fund

Emergency funds: We're comfortable here Debt: 191k in 15-year mortgage @ 2.875%, good amount of positive equity Tax Filing Status: MFJ Tax Rate: ~25% Federal, 6% State State of Residence: GA Age: 31 Desired Asset allocation: 90% stocks / 10% bonds Desired International allocation: 20% of stocks, or ...

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