Search found 9 matches

by clivus
Mon Jun 19, 2017 8:55 am
Forum: Investing - Help with Personal Investments
Topic: Employer safe harbor 401k Non elective vs match
Replies: 5
Views: 563

Re: Employer safe harbor 401k Non elective vs match

Thank you all very much. I understand it now. I think I did 4% by accident and will lower it to a 3% nonelective. If we activate the profit sharing I can kick it up to 5%
by clivus
Sat Jun 10, 2017 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: Employer safe harbor 401k Non elective vs match
Replies: 5
Views: 563

Employer safe harbor 401k Non elective vs match

I'm in the process of setting up a Vanguard 401k for my small business. Right now it's being set up as a non-elective 4% to pass Safe Harbor testing. I can't remember why we did 4% non elective instead of the minimum 3%. Also, is there a benefit to doing the non-elective contribution over the 4% bas...
by clivus
Wed Mar 31, 2010 11:30 pm
Forum: Local Chapters and Bogleheads Community
Topic: Calling all Docs! Physician Chapter/Interest Group
Replies: 169
Views: 80635

Wow, there are a lot of docs here. I might as well jump in. Orthopaedic/Hand surgery, SW Ohio, early 40s, been in private practice 12 years. investment knowledge: only that taught by Jack Bogle or the Bogleheads specialty: neurology You *do* know what William Bernstein did before he started dabblin...
by clivus
Wed Mar 31, 2010 10:27 pm
Forum: Investing - Help with Personal Investments
Topic: Quick question for those with a Schwab account
Replies: 6
Views: 1505

Thanks folks. It has now started showing up. Customer service was closed when I tried to call.
I'm probably impatient, but I get a little jittery when I'm transferring my entire 403b in one trade. (about 18.5k)
I'm still getting used to all of this. Thanks for the help.
by clivus
Wed Mar 31, 2010 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: Quick question for those with a Schwab account
Replies: 6
Views: 1505

Quick question for those with a Schwab account

Specifically a PCRA. I executed a trade yesterday on some SWTMX in my PCRA. Being the good Friday weekend, the settlement date isn't until Tuesday the 6th. My question is that I don't see any sign of the pending trade in my account. The money is still in the money market, and I don't see anything pe...
by clivus
Tue Mar 30, 2010 11:24 pm
Forum: Local Chapters and Bogleheads Community
Topic: Calling all Docs! Physician Chapter/Interest Group
Replies: 169
Views: 80635

I'm in.

location: AR
age:31
investment knowledge: only that taught by Jack Bogle or the Bogleheads
specialty: neurology
by clivus
Sun Mar 14, 2010 5:41 pm
Forum: Investing - Theory, News & General
Topic: On page 59 of the Guide to Retirement Planning and...
Replies: 5
Views: 1342

I should have made that clearer. I THOUGHT that the deferred IRA would be better. The book has taught me that the taxable account with tax efficient funds is a better choice.
I don't qualify for Roth, and I don't need places for anymore bonds. 8)
by clivus
Sun Mar 14, 2010 11:00 am
Forum: Investing - Theory, News & General
Topic: On page 59 of the Guide to Retirement Planning and...
Replies: 5
Views: 1342

On page 59 of the Guide to Retirement Planning and...

It has already saved me a ton of money! I am in the non-deductible IRA category. My assumption was that I should max out my IRA to shelter the growth. Deferred is avoided, right? I had no idea of the implications between the marginal and capital gains tax rates. Seriously, this book is awesome. I ap...
by clivus
Mon Jun 29, 2009 10:44 pm
Forum: Investing - Help with Personal Investments
Topic: First timer with head spinning after HR visit: 403b
Replies: 2
Views: 1153

First timer with head spinning after HR visit: 403b

Hi all. I've been a Bogle disciple for the past 4 years since I first read Bogleheads' Guide. I gave it away after reading it, but have recently purchased it again to reread. I'm currently reading the Little Book. I went to my HR meeting today to be presented with a 403b plan with only Transamerica ...