Search found 10 matches

by arowback
Tue Jul 11, 2017 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: 0% Finance auto-loans - Whats the catch?
Replies: 20
Views: 2042

Re: 0% Finance auto-loans - Whats the catch?

Just went through this with a brand new Mazda3. The incentive offered by the manufacturer was:

A) $1000 off the vehicle + 0% APR or
B) $2000 off the vehicle
by arowback
Sat Jul 08, 2017 9:06 am
Forum: Local Chapters and Bogleheads Community
Topic: Any Albany, NY Bogleheads out there?
Replies: 17
Views: 2621

Re: Any Albany, NY Bogleheads out there?

I'm in Albany. If newbies are welcome I'd be interested!
by arowback
Tue Jul 04, 2017 8:13 am
Forum: Investing - Help with Personal Investments
Topic: 28, Single, No Debt, Seeking Portfolio Advice
Replies: 22
Views: 3110

Re: 28, Single, No Debt, Seeking Portfolio Advice

I went ahead and opened up a brokerage account at Vanguard, invested the $9200 I had sitting in my Ally account (still leaving EF with 6 months expenses) to total stock and international index funds, added the bond index to my 401k for a portion of future contributions to be allocated to in order ba...
by arowback
Sun Jul 02, 2017 8:48 am
Forum: Investing - Help with Personal Investments
Topic: 28, Single, No Debt, Seeking Portfolio Advice
Replies: 22
Views: 3110

Re: 28, Single, No Debt, Seeking Portfolio Advice

What's the best way to handle it then? As I understand it, what rolls to the Roth IRA is cash . You invest it in the Roth IRA in such a way as to bring the whole portfolio close to the portfolio target. I'm not sure that answers your question though. My main question was really what funds I should ...
by arowback
Wed Jun 28, 2017 7:41 pm
Forum: Investing - Theory, News & General
Topic: What is your overall portfolio weighted expense ratio
Replies: 206
Views: 18176

Re: What is your overall portfolio weighted expense ratio

0.07%

This is between 401k, Roth at Vanguard, and HSA.
by arowback
Wed Jun 28, 2017 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: 28, Single, No Debt, Seeking Portfolio Advice
Replies: 22
Views: 3110

Re: 28, Single, No Debt, Seeking Portfolio Advice

Seems like what you want to do will work, but only if your 401k allows it. Most (not all) require that your after-tax account is invested the same as your tax-deferred account. Well there goes that plan. I just checked and you're right. I can choose different investment options for Roth 401k, Rollo...
by arowback
Wed Jun 28, 2017 10:17 am
Forum: Investing - Help with Personal Investments
Topic: 28, Single, No Debt, Seeking Portfolio Advice
Replies: 22
Views: 3110

Re: 28, Single, No Debt, Seeking Portfolio Advice

I double checked with my 401k and I'm able to make in-service withdrawals of after tax contributions, the only limitation being I can only do 1 withdraw every 6 months. I'll plan to take advantage of this and roll it over to my Roth every 6 months to minimize taxes on the growth of the after tax con...
by arowback
Sun Jun 25, 2017 10:24 am
Forum: Investing - Help with Personal Investments
Topic: 28, Single, No Debt, Seeking Portfolio Advice
Replies: 22
Views: 3110

Re: 28, Single, No Debt, Seeking Portfolio Advice

An issue with a traditional IRA is the income eligibility requirements to be able to deduct the contribution. The 2018 figures haven't been released yet, but as of 2017, your MAGI would have to be $62k or less to be able to deduct the full $5.5k deduction. https://www.irs.gov/retirement-plans/2017-...
by arowback
Sat Jun 24, 2017 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: 28, Single, No Debt, Seeking Portfolio Advice
Replies: 22
Views: 3110

Re: 28, Single, No Debt, Seeking Portfolio Advice

Thank you to everyone that took the time to respond. You've given me quite a bit to think about and I've been doing quite the reading to get a better understanding of everything. 1. At your tax bracket I don't think making Roth 401k contributions would be ideal. As for where to invest in, I think it...
by arowback
Mon Jun 19, 2017 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: 28, Single, No Debt, Seeking Portfolio Advice
Replies: 22
Views: 3110

28, Single, No Debt, Seeking Portfolio Advice

Emergency funds: 6 months of expenses Debt: $0 Tax Filing Status: Single Tax Rate: 25% Federal, 6.45% State State of Residence: New York Age: 28 Income: ~80k (variable with commission) Desired Asset allocation: 90% stocks / 10% bonds Desired International allocation: 30% of stocks Current retiremen...