Search found 584 matches

by badbreath
Sun Nov 19, 2017 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: Side investment to go along with a 2050 Fund (VFIFX)
Replies: 4
Views: 183

Re: Side investment to go along with a 2050 Fund (VFIFX)

you each could start a Roth account and put in $5500 each that would take care of that pesky $10k.
by badbreath
Sun Nov 19, 2017 3:00 am
Forum: Personal Consumer Issues
Topic: Best albums of 2017
Replies: 8
Views: 840

Re: Best albums of 2017

There are albums still? Or as my kid says big black CD's
by badbreath
Sun Nov 19, 2017 2:24 am
Forum: Investing - Help with Personal Investments
Topic: Windfall and advice
Replies: 52
Views: 4581

Re: Windfall and advice

Well you have your mind made up on a FA so do that for now till you realize you don't need them. I do rebalance once a year (4th of July Independence Day) but have never rebalanced just changed where contributions go till it is where I want it. DCA of the windfall, Vanguard has a white paper on this...
by badbreath
Sat Nov 18, 2017 10:13 am
Forum: Investing - Help with Personal Investments
Topic: 401k fund allocation
Replies: 7
Views: 494

Re: 401k fund allocation

1) iShares S&P 500 Index Fund Institutional (BSPIX) ER 0.11%
2) iShares MSCI EAFE International Institutional (MAIIX) ER 0.15% (larger companies, developed markets)
3) Voya Intermediate Bond Fund Class I (IICIX) ER 0.33%
Have to agree with Ruralavalon
by badbreath
Fri Nov 17, 2017 9:28 pm
Forum: Investing - Help with Personal Investments
Topic: Help with portfolio / Gathering collective wisdom
Replies: 7
Views: 503

Re: Help with portfolio / Gathering collective wisdom

Your fine on your investments except I don't like the cash amount.

You could take 10% of 30% cash and put in international and the rest in total stock index.

This would give you a tax efficient taxable portfolio.
by badbreath
Fri Nov 17, 2017 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Help with Understanding How to Handle Bonus
Replies: 49
Views: 3515

Re: Help with Understanding How to Handle Bonus

I get a bonus every year typically 20% of salary but can be more or less depending on how the Megacorp did that year. I used to just get the money and take the kids to Disney or travel somewhere . Now I put 50% of bonus in 401k so that I can max it out mid year and invest in taxable for the rest of ...
by badbreath
Fri Nov 17, 2017 11:40 am
Forum: Investing - Help with Personal Investments
Topic: Which Target Date Fund?
Replies: 13
Views: 1017

Re: Which Target Date Fund?

Vanguard Target Retirement 2050
Overall Morning Star Rating: 4 stars
$75 Transaction Fee
Turnover Rate: 53.53%
Expense Ratio: .16%
I think you have to relook at the turnover rate. I have never seen any of Vanguard's funds with that high of a rate
by badbreath
Fri Nov 17, 2017 9:28 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio checkup & review 2018 fiscal plan (now married)
Replies: 3
Views: 419

Re: Portfolio checkup & review 2018 fiscal plan (now married)

End 2018 with $9k remaining surplus cash.
I would start thinking about a taxable account. With the emergency fund and cash you already have its time to start one
by badbreath
Thu Nov 16, 2017 8:27 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 401K fund choices, please
Replies: 12
Views: 551

Re: Help with 401K fund choices, please

I dont think you need VY TRowePrice Grwth Eqty Port I and just put it in Voya Russell Lrg Cap Index Port I
by badbreath
Wed Nov 15, 2017 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: 55+ Early retirement offer.
Replies: 39
Views: 4439

Re: 55+ Early retirement offer.

I am hearing the buyout rummer at my megacorp also. What i hear its age + time at work = 80 you get a buyout.

Buy out would be 1 year pay and access to the company heath care (you have to pay for it) till 65. I probably will take it if offered.
by badbreath
Mon Nov 13, 2017 10:26 pm
Forum: Investing - Help with Personal Investments
Topic: 3 fund Portfolio vs Multiple funds
Replies: 11
Views: 832

Re: 3 fund Portfolio vs Multiple funds

there are many good portfolios you need to pick one

https://portfoliocharts.com/portfolios/
by badbreath
Mon Nov 13, 2017 10:20 pm
Forum: Investing - Help with Personal Investments
Topic: Wife's 401k investment options (high fees!)
Replies: 26
Views: 1228

Re: Wife's 401k investment options (high fees!)

badbreath wrote: ↑Mon Nov 13, 2017 11:02 pm
100% State Street S&P 500 Index Fund 0.70%
+1

Add Some State Street Russell Small cap.
I would not do small cap till you have $30-40k invested in the S&P if not more.
by badbreath
Mon Nov 13, 2017 10:02 pm
Forum: Investing - Help with Personal Investments
Topic: Wife's 401k investment options (high fees!)
Replies: 26
Views: 1228

Re: Wife's 401k investment options (high fees!)

100% State Street S&P 500 Index Fund 0.70%
by badbreath
Mon Nov 13, 2017 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: What do I need to know about my mom's finances?
Replies: 17
Views: 1291

Re: What do I need to know about my mom's finances?

Ok.... It's very explicit that if something were to happen to her, the responsibilities for the estate would fall to me,n.
Ask her and make sure you know what your responsibilities will be. It may not be what you think.
by badbreath
Mon Nov 13, 2017 9:05 pm
Forum: Investing - Help with Personal Investments
Topic: 401k long term strategy
Replies: 6
Views: 762

Re: 401k long term strategy

I would just keep on investing in the Target Date and keep reading till you feel comfortable with the 3 Fund and your asset allocation.

Your doing fine for now.
by badbreath
Mon Nov 13, 2017 8:18 pm
Forum: Personal Consumer Issues
Topic: Iphone 4
Replies: 37
Views: 1943

Re: Iphone 4

I went from the not really working apps and other things to the 6s yes it is worth the upgrade.
by badbreath
Mon Nov 13, 2017 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: What do I need to know about my mom's finances?
Replies: 17
Views: 1291

Re: What do I need to know about my mom's finances?

Has your Mother asked you to think about this, if not move on and get your finances up.
by badbreath
Mon Nov 13, 2017 12:49 am
Forum: Personal Consumer Issues
Topic: Better way to get rid of old fridge?
Replies: 38
Views: 2396

Re: Better way to get rid of old fridge?

the $15 is for recycle fee seems like a bargain.
by badbreath
Mon Nov 13, 2017 12:38 am
Forum: Investing - Theory, News & General
Topic: Do you keep anything in your portfolio as a monument to your bad decisions?
Replies: 67
Views: 4238

Re: Do you keep anything in your portfolio as a monument to your bad decisions?

Yes. I have over 200 shares of the company that I work for in a DRIP fund. Seemed like a good idea 20 years ago but really it has gone from $30 to $170 and only is 3% of the portfolio so not a big deal.
by badbreath
Sat Nov 11, 2017 8:21 pm
Forum: Investing - Help with Personal Investments
Topic: Adjusted Gross Income and Dividend Income question
Replies: 3
Views: 480

Re: Adjusted Gross Income and Dividend Income question

livesoft

Probably not since your tax is determined from your Taxable Income and not from your Adjusted Gross Income
+1
by badbreath
Sat Nov 11, 2017 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: When would you take a part-time option?
Replies: 23
Views: 1714

Re: When would you take a part-time option?

When I retire I am done. If they offered part time I may consider it if it is on my terms but highly doubt it would be offered.
by badbreath
Sat Nov 11, 2017 6:15 pm
Forum: Investing - Help with Personal Investments
Topic: Rapidly pay down student loans prior to house?
Replies: 24
Views: 1489

Re: Rapidly pay down student loans prior to house?

Pay the student loan off out of your current savings then start savings for 2.5 years for the house. get at least the match in the 401ks (if you can put in more great). When you get a cost of living adjustment add 1% to your 401k savings till you hit max. If you get a bonus add 30-50% of it to your ...
by badbreath
Sat Nov 11, 2017 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: Target fund replacement with access to Admiral shares
Replies: 11
Views: 1231

Re: Target fund replacement with access to Admiral shares

I like this fund from Vanguard


Target Retirement 2030 Trust Plus .06 ER
by badbreath
Sat Nov 11, 2017 4:31 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard 529 (nevada) for a 9 year old and new born
Replies: 4
Views: 512

Re: Vanguard 529 (nevada) for a 9 year old and new born

are you maxing your 401k's and Roth's before you invest in the 529s?

Its easy to get student loans but it is very hard to get a retirement loan.
by badbreath
Thu Nov 09, 2017 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: pick one for me..
Replies: 14
Views: 1140

Re: pick one for me..

I would do #3 a taxable account is a great thing to have and can let you do #1 or 2 latter one if you what to.
by badbreath
Wed Nov 08, 2017 8:41 pm
Forum: Investing - Help with Personal Investments
Topic: So new, it hurts to even think about it.
Replies: 25
Views: 4571

Re: So new, it hurts to even think about it.

onthecusp said it much better then I did. Small cap value is more volatile and may take years to show the advantage that it has shown historically so it may result in years of second guessing and rebalancing; staying the course. I don't think it is a bad move if you stick to it, but if you do second...
by badbreath
Tue Nov 07, 2017 9:56 pm
Forum: Investing - Help with Personal Investments
Topic: So new, it hurts to even think about it.
Replies: 25
Views: 4571

Re: So new, it hurts to even think about it.

I did not suggest mid cap because the Institutional fund already have some in it. Yes I did suggest the low er because of cost it can make-save you thousands in the long run. I did not suggest small cap as I would rather you get comfortable with the three fund before you invest in small cap. What I ...
by badbreath
Tue Nov 07, 2017 7:01 pm
Forum: Investing - Help with Personal Investments
Topic: So new, it hurts to even think about it.
Replies: 25
Views: 4571

Re: So new, it hurts to even think about it.

you have good funds in your 457. what I would put it into is a simple 3 fund portfolio, Percent to your desired amount. Vanguard Total International Stock Index Fund - Institutional Shares 0.09 Vanguard(R) Institutional Index Fund - Institutional Shares 0.04 Vanguard Total Bond Market Index Fund - A...
by badbreath
Tue Nov 07, 2017 6:29 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with $ Investment Strategy
Replies: 7
Views: 773

Re: Need help with $ Investment Strategy

Tax wise yes, do not put bounds in your taxable as it is taxed in ordinary income. Put your bounds in your 401k.

www.bogleheads.org/wiki/Tax-efficient_fund_placement
by badbreath
Mon Nov 06, 2017 9:57 pm
Forum: Investing - Help with Personal Investments
Topic: Where to take more risk: 401k or Roth?
Replies: 32
Views: 2832

Re: Where to take more risk: 401k or Roth?

My daughter 25 is 100% in stock index in her 401k. I told her when she is 40 - 45 think about bonds.
by badbreath
Mon Nov 06, 2017 7:25 pm
Forum: Investing - Help with Personal Investments
Topic: Moving rollover IRA from American Funds to Vanguard
Replies: 3
Views: 219

Re: Moving rollover IRA from American Funds to Vanguard

just call Vanguard and tell them what you what to do and what is the best way.
by badbreath
Sun Nov 05, 2017 9:28 am
Forum: Investing - Help with Personal Investments
Topic: Children's money?
Replies: 26
Views: 2719

Re: Children's money?

UTMA (invested in VTSAX) then gave it to them at 21
by badbreath
Sat Nov 04, 2017 9:10 pm
Forum: Investing - Help with Personal Investments
Topic: Should one use REITs
Replies: 48
Views: 3472

Re: Should one use REITs

I usually look at this when I think about REIT's

http://jlcollinsnh.com/2014/05/27/stock ... rom-reits/
by badbreath
Sat Nov 04, 2017 9:04 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in index funds at this moment
Replies: 50
Views: 3626

Re: Investing in index funds at this moment

yosh99 But what if someone is 67 years old, a year away from retirement and with lots of cash on the sidelines. Shouldn't that make someone leery of putting this money at risk after this historic run up in stock prices? A 67 needs to have a portfolio that meets his/her "Need,ability and willingness...
by badbreath
Sat Nov 04, 2017 8:48 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in index funds at this moment
Replies: 50
Views: 3626

Re: Investing in index funds at this moment

As Jack Bogle says "Invest we must"

http://www.businessinsider.com/jack-bog ... als-2017-4

I went threw the 08-09 decline but keep on investing. It did not look good short term but long term it has been very good.
by badbreath
Sat Nov 04, 2017 8:24 pm
Forum: Investing - Help with Personal Investments
Topic: I came up with a Bond plan.....Good or Bad...you decide
Replies: 19
Views: 1737

Re: I came up with a Bond plan.....Good or Bad...you decide

radiowave

Sandtrap wrote: ↑Sat Nov 04, 2017 5:08 pm
Simplicity?
One Bond Fund?
VBMFX (Vanguard Total Bond Market Index Fund Investor Shares) - minimal Expense.
Or Admiral shares for lower ER.
+1 my only bond fund in my retirement account.
+1 only bound fund really needed while investing.
by badbreath
Sat Nov 04, 2017 6:24 pm
Forum: Investing - Help with Personal Investments
Topic: Should I open an account with Vanguard?
Replies: 28
Views: 2054

Re: Should I open an account with Vanguard?

I invest in Vanguard with all my long term savings because of the good products and low ER.
by badbreath
Fri Nov 03, 2017 8:44 pm
Forum: Personal Consumer Issues
Topic: Black Friday Deals/Holiday Gift Ideas
Replies: 53
Views: 6573

Re: Black Friday Deals/Holiday Gift Ideas

I give out Enstrom Traditional almond toffee. It's a family run place out of Grand Junction CO. It is very good and adds to the Xmas stuff to have around the house to offer guests.

Also it's a one stop shop for all of my relatives and friends for Xmas (time saver).

http://www.enstrom.com/
by badbreath
Fri Nov 03, 2017 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Should I decline Grand Prize trip because of taxes on winnings?
Replies: 89
Views: 7403

Re: Should I decline Grand Prize trip because of taxes on winnings?

Just go and have fun with it. Its something you would not normally do so it could be a great adventure.
by badbreath
Thu Nov 02, 2017 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: Combining 401k
Replies: 21
Views: 1100

Re: Combining 401k

If you have rolled over your old 401k to a IRA and it has been more than 6 months then most likely your new 401k will not accept the IRA. I asked about this.
by badbreath
Mon Oct 30, 2017 10:13 pm
Forum: Investing - Help with Personal Investments
Topic: 28 year old investing advice needed
Replies: 12
Views: 1268

Re: 28 year old investing advice needed

vanguard total US stock market VTSMX-30% vanguard total int stock market VGTSX-20% vanguard small cap index fund-15% vanguard mid cap index fund -15% Vanguard energy VGENX-10% Sell and put in total US vanguard wellesley income VWINX-5% Sell and put in bonds vanguard money market fund- 5% Sell and p...
by badbreath
Mon Oct 30, 2017 9:24 pm
Forum: Investing - Help with Personal Investments
Topic: My 401k is almost all cash now. 1/2 Mil
Replies: 89
Views: 8821

Re: My 401k is almost all cash now. 1/2 Mil

Stay in the market even if you are low like 40/60, I too went thru all the crashes you talk about and was 100% stocks but have made money back and then some. I still remain with a 60/40 portfolio and will stay there for a long time (into retirement) Dont play with ETF GLD, SLV that will also make al...