Search found 6 matches

by bsigmund90
Wed Aug 16, 2017 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: Transferring ROTH from AF (through NMIS) to a low-ER broker
Replies: 1
Views: 134

Transferring ROTH from AF (through NMIS) to a low-ER broker

All, If you want background, see before thread: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=225433&newpost=3487719 I went through the song and dance with my Northwestern Mutual "FA" cancelling my WLI. I moved my 401k portfolio to an American Funds Target Date (one of the 'better' options in...
by bsigmund90
Tue Aug 15, 2017 9:21 am
Forum: Personal Finance (Not Investing)
Topic: "Upper Middle" Class - ditch WLI or ride it?
Replies: 32
Views: 5431

Re: "Upper Middle" Class - ditch WLI or ride it?

I cut the WLI late last week. Once that check shows up I'm gonna pay off the car. this might be hijacking the thread - but i still have a few "basics" questions: RE: savings acct: - why wouldn't I put my bank cash sayings at a minimum into an online HYSA? 1.20% is better than 0.01% - furthermore, wh...
by bsigmund90
Mon Aug 14, 2017 8:34 am
Forum: Personal Finance (Not Investing)
Topic: "Upper Middle" Class - ditch WLI or ride it?
Replies: 32
Views: 5431

Re: "Upper Middle" Class - ditch WLI or ride it?

I can't find the initial statement on the car loan but it's a 72 month and the online calculators say it's 4.655% interest. I'm 44 months in. I'm still right-side up about 8,500 on the cars value. Ditched the WLI & reallocated to the target date in the 401k. Once the deposit comes in, probably going...
by bsigmund90
Fri Aug 11, 2017 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: "Upper Middle" Class - ditch WLI or ride it?
Replies: 32
Views: 5431

Re: "Upper Middle" Class - ditch WLI or ride it?

Agree with all of above. I missed the part where he disclosed his gross income and what he was saving in 401K plan. A 5.9% savings rate is much too low in the 401K plan. RE 401k: I am relocating the 6600 from the WLI into the 401k first thing. well, whatever pre-tax 401k addition would net me the s...
by bsigmund90
Fri Aug 11, 2017 11:57 am
Forum: Personal Finance (Not Investing)
Topic: "Upper Middle" Class - ditch WLI or ride it?
Replies: 32
Views: 5431

Re: "Upper Middle" Class - ditch WLI or ride it?

401k Options: American Funds EuroPacific Gr R5 Growth RERFX 0.54% American Funds Growth Fund of Amer R5 Growth RGAFX 0.39% American Funds New World Fund R5 Growth RNWFX 0.80% Hartford Midcap R5 Growth HFMTX 0.86% Vanguard Explorer Adm Growth VEXRX 0.34% Vanguard Selected Value Inv Growth VASVX 0.35%...
by bsigmund90
Thu Aug 10, 2017 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: "Upper Middle" Class - ditch WLI or ride it?
Replies: 32
Views: 5431

"Upper Middle" Class - ditch WLI or ride it?

Currently working with: 27 years old 5+ years at current job and don't plan on leaving currently 15,000 bank (cash) savings 52,000 in 401k (39k is vested, i would dispute the vestment if i left/was terminated, closer to 45k) - Allocation is as follows (American Funds aggressive portfolio): - Vanguar...