Search found 18 matches

by brusan
Fri Apr 21, 2017 6:36 am
Forum: Investing - Help with Personal Investments
Topic: Emergency fund
Replies: 13
Views: 1893

Re: Emergency fund

we keep a tiered EF across Ally and iBonds, with Ally being the primary tier with about 5 months expenses. We do not count the Ally as part of our AA. The iBonds do double duty as part our fixed income AA in taxable and also the second tier of EF, should we need it.
by brusan
Tue Mar 07, 2017 8:08 am
Forum: Personal Finance (Not Investing)
Topic: How Much in Your Emergency Fund And Is It Used?
Replies: 188
Views: 19687

Re: How Much in Your Emergency Fund And Is It Used?

My wife and I keep 9 months of our combined take home pay in Ally Bank and iBonds. Likelihood of both of us losing our jobs at the same time is low but having this safety net just in case, helps us sleep at night knowing we probably won't have to dip into retirement accounts to pay bills. Still have...
by brusan
Fri Nov 18, 2016 5:13 pm
Forum: Investing - Theory, News & General
Topic: Highly compensated Employee
Replies: 41
Views: 5541

Re: Highly compensated Employee

Is she that close to $120k that dropping below it won't be much of an impact? And what about in future years with raises? It appears that it will remain $120k in 2017. Do you really want the salary to remain stagnant? My plan as an HCE is to just take the post-tax amount that will be returned or wo...
by brusan
Sat Oct 22, 2016 10:27 am
Forum: Investing - Help with Personal Investments
Topic: Best way to Move Betterment Taxable to Vanguard?
Replies: 13
Views: 1859

Re: Best way to Move Betterment Taxable to Vanguard?

OP- In July you had taxable funds at Wealthfront and Vanguard. Then you moved all to Betterment? And now you want to move all back to Vanguard? You probably know more about moving funds around than most posters here! I think it's a great plan to set up a taxable 3-fund at Vanguard, using California...
by brusan
Fri Oct 21, 2016 5:41 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to Move Betterment Taxable to Vanguard?
Replies: 13
Views: 1859

Best way to Move Betterment Taxable to Vanguard?

I have 105K in a taxable account at Betterment currently. After reading all the posts about Robos and also Taylor L's "The Three-Fund Portfolio", I am now considering moving it to the Vanguard into VTSAX, VCAIX, VTIAX. Buy and Hold. Investing for long term- essentially to supplement 401K a...
by brusan
Mon Sep 05, 2016 9:20 am
Forum: Investing - Help with Personal Investments
Topic: AA question concerning role of cash
Replies: 2
Views: 350

Re: AA question concerning role of cash

student wrote:You may find this thread useful.

viewtopic.php?f=1&t=198354



thank you---I did find it useful
by brusan
Mon Sep 05, 2016 8:57 am
Forum: Investing - Help with Personal Investments
Topic: AA question concerning role of cash
Replies: 2
Views: 350

AA question concerning role of cash

Hello, I have read many posts about AA, usually regarding achieving a desired stock/bond mix thru various methods..like "110minus your age = % in equities" or Jack Bogle's rule of your age in bonds, etc In using such rules of thumb to achieve a desired AA , is it customary to include your ...
by brusan
Tue Jul 26, 2016 6:18 am
Forum: Investing - Help with Personal Investments
Topic: Advice on using Not great Bond Fund in 401k
Replies: 11
Views: 1249

Re: Advice on using Not great Bond Fund in 401k

CA municipal-bond funds in a taxable account are particularly attractive, as they avoid CA tax as well as federal tax. Thus, given the high-expense bond fund in your 401(k), it's better to hold CA municipal bonds in your taxable account and keep your 401(k) in stock. In fact, at current yields, I n...
by brusan
Mon Jul 25, 2016 6:47 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on using Not great Bond Fund in 401k
Replies: 11
Views: 1249

Re: Advice on using Not great Bond Fund in 401k

BTW - you don't mention what percent of the portfolio would/should go in to the Bond fund in your current 401k? Are we talking a percent or 2 of the portfolio? Or 25%?[/quote] Thank you. My regular 401K contributions are 90% VG 500 index and 10% MWTRX. Currently my AA across all accounts is where it...
by brusan
Mon Jul 25, 2016 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Advice on using Not great Bond Fund in 401k
Replies: 11
Views: 1249

Re: Advice on using Not great Bond Fund in 401k

Thank you all...yes I am maxing out 401K contributions with the majority going to VFIAX. I will pursue maintaining stock/bond AA by continuing to put new $ into the munis in taxable. I also just joined the company 401K committee and will begin pushing to get a low cost bond index fund added to the a...
by brusan
Mon Jul 25, 2016 7:07 am
Forum: Investing - Help with Personal Investments
Topic: Advice on using Not great Bond Fund in 401k
Replies: 11
Views: 1249

Advice on using Not great Bond Fund in 401k

Hello, I would like to ask your help with a choice I need to make I am a California resident in the 28% federal and 9.3% state tax brackets. Fully funded Emergency fund in hi-yield savings. In my current employer 401K the only low cost index fund available is VFIAX Vanguard 500 Index Fund; Admiral S...
by brusan
Fri Jul 08, 2016 7:02 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on Transferring Wealthfront ETF taxable account to Vanguard Mutual fund account
Replies: 3
Views: 383

Advice on Transferring Wealthfront ETF taxable account to Vanguard Mutual fund account

I recently found this forum after FINALLY reading Bogelheads guide to investing and both the book and reading the posts on this forum have been invaluable. My wife and I are slowly starting to straighten out our investment profile with the ultimate goal of having all of our taxable investments at Va...
by brusan
Tue Jun 28, 2016 8:51 am
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth
Replies: 2
Views: 269

Re: Backdoor Roth

thanks!
by brusan
Tue Jun 28, 2016 8:28 am
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth
Replies: 2
Views: 269

Backdoor Roth

Good Morning My wife and I both max out our employer 401K. Thankfully our combined income disqualifies us to also contribute to a Roth IRA. I have been reading many of the older posts on this forum about the backdoor Roth topic and now understand that as my wife still has her 401K from a previous em...
by brusan
Sat Jun 04, 2016 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: Best use of excess cash
Replies: 5
Views: 852

Re: Best use of excess cash

Hi, welcome to the forum. With the limited into you post, I'd say you are doing well. My assumption is you have at least a portion of your liquid holdings in high yield savings accounts such as Ally, American Express, Discover, etc. You may want to consider CDs but the yield has been dropping past ...
by brusan
Sat Jun 04, 2016 6:39 pm
Forum: Investing - Help with Personal Investments
Topic: Best use of excess cash
Replies: 5
Views: 852

Re: Best use of excess cash

Assuming no other IRAs, how about adding a Roth IRA or do a Backdoor ROTH conversion if you exceed the income limit of a ROTH? If both 50 or older each can contribute $6500 a year. That's another 13K annually post tax to stash away for retirement and none of it is taxed when you withdraw, within th...
by brusan
Sat Jun 04, 2016 4:10 pm
Forum: Investing - Help with Personal Investments
Topic: Best use of excess cash
Replies: 5
Views: 852

Best use of excess cash

My wife and I have steady jobs, both max out our 401Ks, have no debt other than our home mortgage, no children. We have 12 months of take home pay in our emergency fund. We have an itemized monthly budget that includes a weekly allowance for fun, entertainment, dinners etc. After all monthly expense...