Search found 115 matches

by confusedinvestor
Sun Mar 26, 2017 9:19 pm
Forum: Investing - Help with Personal Investments
Topic: Why is 3 Fund Portfolio Failing consistently for me ?
Replies: 11
Views: 2050

Re: Three-Fund Portfolio Uses Customized Allocations

Dear Taylor, Thank you. 1. How do I 'efficiently' rebalance across my , my wife's short, medium and long term needs/goal-accounts ? 2x3 = 6 portfolios 2. Is there such a software/BH-Wiki or should I seek a advisor? 3. What do you suggest my wife for such yearly rebalance across needs/portfolios when...
by confusedinvestor
Sun Mar 26, 2017 7:08 pm
Forum: Investing - Help with Personal Investments
Topic: Why is 3 Fund Portfolio Failing consistently for me ?
Replies: 11
Views: 2050

Re: Three-Fund Portfolio Uses Customized Allocations

Dear Talyor, I'm a robot, so, my Risk score, my 'emotions/behaviour' , my 'Investor Questionnaire' responses is different for my goals, timelines, needs and $ (my $ vs wife's $) eg: - I'm Conservative (30:70) with my room-remodel money for next 5 yrs - Yet, I'm super Conservative (15:70) with my roo...
by confusedinvestor
Sun Mar 26, 2017 6:07 pm
Forum: Investing - Help with Personal Investments
Topic: Why is 3 Fund Portfolio Failing consistently for me ?
Replies: 11
Views: 2050

Re: Why is 3 Fund Portfolio Failing consistently for me ?

Looks like SWBRX Target 2010 Active Mutual lags SWXAX Target 2010 Passive Index ETF Mutual Fund
by confusedinvestor
Sun Mar 26, 2017 5:43 pm
Forum: Investing - Help with Personal Investments
Topic: Advisor suggested this - Good idea?
Replies: 41
Views: 2391

Re: Advisor suggested this - Good idea?

Yes trying, but, she is not yet convinced, she wants to keep her $35K in Bank of America Checking account with .01% APY. Our family summary: 41/40/5-Yr-Twins, 2 jobs, Tax - 20% - Both Max out 401K, 500K in retirement, 300K in 529s (twins), Emergency - 100K 12 months, My Taxable : 50K, Wife - 100K in...
by confusedinvestor
Sun Mar 26, 2017 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: Why is 3 Fund Portfolio Failing consistently for me ?
Replies: 11
Views: 2050

Re: Why is 3 Fund Portfolio Failing consistently for me ?

I understand no one knows futures, which sector which under or out perform. Schwab Target Date Index Fund seems to have a Value/Small tilt and that's why it out performed 3 Fund Portfolio for last 5 years? Per the portfoliovisualizer, it is 2K +ve on 100K vs 3Fund for my AA: 30:70 so for my 5 year g...
by confusedinvestor
Sun Mar 26, 2017 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: Why is 3 Fund Portfolio Failing consistently for me ?
Replies: 11
Views: 2050

Re: Why is 3 Fund Portfolio Failing consistently for me ?

Confused again - Per Wiki, 3 Fund Taylor's portfolio is 33% US vs 33% int vs 33% Fixed which is 50% Int equities in total Stock Allocation. Does this mean i have outperformed 3 fund portfolio from 2012 to Date ? (1) There's a higher international allocation in your 3 fund portfolio (50% of equities)...
by confusedinvestor
Sun Mar 26, 2017 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: Advisor suggested this - Good idea?
Replies: 41
Views: 2391

Re: Advisor suggested this - Good idea?

Thanks everyone, Now, i am thinking to put 30:70 vs 15:85 per advisor. I posted a new thread on my 30:70 analysis https://www.bogleheads.org/forum/viewtopic.php?f=1&t=214839 I am going to call my advisor and pay him again $200/hr to get inputs if this 30:70 make sense per this analysis ( https:/...
by confusedinvestor
Sun Mar 26, 2017 3:50 pm
Forum: Investing - Help with Personal Investments
Topic: Why is 3 Fund Portfolio Failing consistently for me ?
Replies: 11
Views: 2050

Why is 3 Fund Portfolio Failing consistently for me ?

Very confused. Why is 3 Fund Portfolio under-performing my 2 fund portfolio for my AA: 30:70 from 2012-2017 per my Backtracking portfoliovisualizer ? What am i doing wrong here? My Goal : AA: 30:70, 100K for my 5 year time-horizon, conservative. My 2 FUND portfolio for my above Goal to meet my AA (E...
by confusedinvestor
Sat Mar 25, 2017 9:32 pm
Forum: Investing - Help with Personal Investments
Topic: Advisor suggested this - Good idea?
Replies: 41
Views: 2391

Re: Advisor suggested this - Good idea?

thanks to all of you.

What about the idea of HELOC where i will pay off in 3-5 yrs with 4% interest rate ? and Invest our 75K in AA 30:70 vs 15:85 ?

Is taking AA 30:70 & HELOC better risk-return vs AA 15:85 (which advisor suggested) ?

I wasn take a hit of 5-8K loss in $75K ...
by confusedinvestor
Sat Mar 25, 2017 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab's Intelligent Advisory (now live)
Replies: 16
Views: 1429

Re: Schwab's Intelligent Advisory (now live)

Give Schwab IA a call and find out ? I did. Here is what Schwab said: - Yes, Schwab make their living on our 'cash' - They publicly disclose this how they make $$$ off this cash - Cash is liquid with Schwab - I can pay bills so I put my monthly bill-pay $ in IP vs my checking account in BOA - Let do...
by confusedinvestor
Sat Mar 25, 2017 12:35 pm
Forum: Investing - Help with Personal Investments
Topic: Advisor suggested this - Good idea?
Replies: 41
Views: 2391

Re: Advisor suggested this - Good idea?

Thank you, let me do a back-test on this 15:85 vs CD for last 2 yrs but I know backtesting means nothing what would happen in next 2 yrs but still a datapoint ? I don't think the advice was all that bad. Probably bit aggressive for your time frame, but 85% Cali muni bonds could be smart if you are i...
by confusedinvestor
Sat Mar 25, 2017 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: Advisor suggested this - Good idea?
Replies: 41
Views: 2391

Re: Advisor suggested this - Good idea?

Thank you, that's why we went to this financial advisor just for 1 hour fee-only consultation on this goal only, so my wife, can hear a independent objective expert view. I feel we can afford this remodel, to me, it is not a wish, kinds a wish:need: 30:70 as this remodel is adding a downstairs bedro...
by confusedinvestor
Sat Mar 25, 2017 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: Advisor suggested this - Good idea?
Replies: 41
Views: 2391

Re: Advisor suggested this - Good idea?

Livesoft, I am lost...if I put $75K in VTI/VOO, and next month is 2008, i could loose 35K and never recover in 2 yrs, so i will miss my goal? but, if I put, 15:85 vs 100:0, it could reach my goal of 2.5K in 2 yrs for my 75K with risk of loosing 5K (max) per 2008 which I'm ok with... For instance, yo...
by confusedinvestor
Sat Mar 25, 2017 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab's Intelligent Advisory (now live)
Replies: 16
Views: 1429

Re: Schwab's Intelligent Advisory (now live)

Most important : IA (Intelligent Advise) and IP (Intelligent Portfolio) BOTH uses underlying IP. So if you have 2 $M, move it from VPS to IP and save the 30 bps VPS charges, just keep mim $25K with IA. CFPs of IA will advise you on IP as well. You get the trick ? this is going to kill VPS! I'm impre...
by confusedinvestor
Sat Mar 25, 2017 11:58 am
Forum: Investing - Help with Personal Investments
Topic: Schwab's Intelligent Advisory (now live)
Replies: 16
Views: 1429

Re: Schwab's Intelligent Advisory (now live)

So far I had great experience with Intelligent Advise team. No sales pressure at all. No recommendation on any other Schwab products. Had 3 hour planning sessions with 2 CFPs. Paying $60/year ($5/month for a real goal planning tool) is a real deal ! Schwab is using MoneyGuidePro for this new platfor...
by confusedinvestor
Sat Mar 25, 2017 11:37 am
Forum: Investing - Help with Personal Investments
Topic: Advisor suggested this - Good idea?
Replies: 41
Views: 2391

Re: Advisor suggested this - Good idea?

Big thank you TheTimeLord, that is exactly what my advisor said...looks like i am all set to go, still trying to convince my wife....she doesnt want to spend any $ on this and she says we dont need this remodel... The answer to the question depends on how much risk you are willing to take and what t...
by confusedinvestor
Sat Mar 25, 2017 11:35 am
Forum: Investing - Help with Personal Investments
Topic: Advisor suggested this - Good idea?
Replies: 41
Views: 2391

Re: Advisor suggested this - Good idea?

Livesoft, We want to preserve $75K (43K mine + 25K wife) and if we can get maybe 2-2.5K in 2 yrs - we will be happy but also willing to risk 5K on 75K. Bigger issue is convincing my wife to do this remodel ...she thinks we are wasting our $ on this remodel I convinced myself to liquidate and spend m...
by confusedinvestor
Sat Mar 25, 2017 11:00 am
Forum: Investing - Help with Personal Investments
Topic: Advisor suggested this - Good idea?
Replies: 41
Views: 2391

Re: Advisor suggested this - Good idea?

Amen to that! I feel like I just lost $200...but the Advisor is fee only, per hour only, seems like a good guy and my wife wanted to get a professional opinions on her $25K money before she will give it me for my remodel project...she still says not to spend this $75K... We went to the advisor not j...
by confusedinvestor
Sat Mar 25, 2017 10:40 am
Forum: Investing - Help with Personal Investments
Topic: Advisor suggested this - Good idea?
Replies: 41
Views: 2391

Re: Advisor suggested this - Good idea?

What is short term corporate ?

aristotelian wrote:I Maybe short term corporate.
by confusedinvestor
Sat Mar 25, 2017 10:39 am
Forum: Investing - Help with Personal Investments
Topic: Advisor suggested this - Good idea?
Replies: 41
Views: 2391

Re: Advisor suggested this - Good idea?

Looks like the Advisor is good, he did also mention CDs ladders I asked him what if I take some little risk? then he said, worse case I can loose 50% of 15% of Stock Portfolio ie 5K possible loss on 75K in AA: 15:85 and I'm ok with that 5K loss and maybe like you said, I can perhaps make up that sta...
by confusedinvestor
Sat Mar 25, 2017 9:30 am
Forum: Investing - Help with Personal Investments
Topic: Advisor suggested this - Good idea?
Replies: 41
Views: 2391

Advisor suggested this - Good idea?

Hi All, I went to see a advisor CFP, he charged me $200 for 1 hour for recommending a portfolio for my Home Remodel Project (need $75K) coming up in 2020 (2-3 yrs). Here is what he advised: - 50K - Sell my current WellsFargo Tax Brokerage -- AA: 60:40 (he says portfolio has high ER mutual funds, mar...
by confusedinvestor
Thu Mar 23, 2017 11:51 pm
Forum: Investing - Help with Personal Investments
Topic: Very Sad - Loss of Backdoor Roth IRA all these years
Replies: 19
Views: 4467

Re: Very Sad - Loss of Backdoor Roth IRA all these years

wow Celia - great inputs so well written and specific. I called few CFPs and no one was able to answers these so clearly. Once confusion, why do I need my non-Roth IRAs to be empty on/before Dec. 31, 2017 for 2016 coversion ? Is not for 2017 coversion? Husband can execute traditional to Roth convers...
by confusedinvestor
Wed Mar 22, 2017 10:53 pm
Forum: Investing - Help with Personal Investments
Topic: Very Sad - Loss of Backdoor Roth IRA all these years
Replies: 19
Views: 4467

Re: Very Sad - Loss of Backdoor Roth IRA all these years

Thank you again, my Tax Advisor researched this issue and confirmed that I do need to file Form 8086 as you suggested and per the Wiki.

Thank you again and thank to Boglehead again, I paid $390 for my taxes and I was mis guided.

Katietsu wrote:I think you are still confused.

.
by confusedinvestor
Wed Mar 22, 2017 9:13 pm
Forum: Investing - Help with Personal Investments
Topic: Very Sad - Loss of Backdoor Roth IRA all these years
Replies: 19
Views: 4467

Re: Very Sad - Loss of Backdoor Roth IRA all these years

Katietsu, I cant find the wiki for BackDoor Roth in BH. My tax adviser mis guided me, THANK YOU ! I think you are still confused. -Wife should make her contribution to a traditional IRA by April 18, 2017 for tax year 2016. -Wife will need to report this on a Form 8606, Part 1 for tax year 2016. This...
by confusedinvestor
Wed Mar 22, 2017 6:51 pm
Forum: Investing - Help with Personal Investments
Topic: Very Sad - Loss of Backdoor Roth IRA all these years
Replies: 19
Views: 4467

Re: Very Sad - Loss of Backdoor Roth IRA all these years

Question:

How do I make sure that Schwab doesnt issue me a 1099-R for 2016 for this conversion ?

Any inputs will be much appreciated, please...
by confusedinvestor
Wed Mar 22, 2017 6:43 pm
Forum: Investing - Help with Personal Investments
Topic: Very Sad - Loss of Backdoor Roth IRA all these years
Replies: 19
Views: 4467

Re: Very Sad - Loss of Backdoor Roth IRA all these years

Thank you, I feel better now

FactualFran wrote:Backdoor contributions to a Roth IRA have not been available for 10+ years. Prior to 2010 one had to have a modified adjusted gross income for Roth IRA purposes of not more than $100,000 to do a traditional IRA to Roth IRA conversion.
by confusedinvestor
Wed Mar 22, 2017 5:14 pm
Forum: Investing - Help with Personal Investments
Topic: Very Sad - Loss of Backdoor Roth IRA all these years
Replies: 19
Views: 4467

Very Sad - Loss of Backdoor Roth IRA all these years

Folks, I am very sad now, i am in search on a fee-only-CFP-advisor and one advisor told me I was wrong and missed 10+ years of Backdoor Roth IRA conversions for my wife. Our MAGI is 200K and thus we are not eligible for Roth and I had a Trad-Rollover-IRA so I thought neither I nor my wife can do Bac...
by confusedinvestor
Tue Mar 21, 2017 10:34 pm
Forum: Investing - Help with Personal Investments
Topic: How to find and interview my new Advisor ?
Replies: 15
Views: 1043

Re: How to find and interview my new Advisor ?

Thank you NedSaid. Coming from you means a lot. Yes, I am learning a lot when talking with each advisor during 'free' consultation but I feel like I should first complete reading this wiki. Each time I learned something. My insurance company did a very good job and made sensible suggestions like add...
by confusedinvestor
Tue Mar 21, 2017 12:17 am
Forum: Investing - Help with Personal Investments
Topic: How to find and interview my new Advisor ?
Replies: 15
Views: 1043

Re: How to find and interview my new Advisor ?

thanks everyone. I had a good CFP/Advisor call with Schwab today (New Intelligent Advise). They gave me a plan online which uses MoneyGuidePro. I've another call this thursday for my followup financial plan questions New Intelligent advise has 28 bps, 25K mim + 05-23 bps ETF ER - so yes, it could be...
by confusedinvestor
Mon Mar 20, 2017 1:37 pm
Forum: Investing - Help with Personal Investments
Topic: How to find and interview my new Advisor ?
Replies: 15
Views: 1043

Re: How to find and interview my new Advisor ?

I called Fidelity Go but they charge 30 bos with no Human touch, I am tempted to sign up with Schwab Intelligent with 28 bps with CFP access. I still looking for a local face-2-face hourly. What I am finding out now that my only options are folks here in BogleHeads vs anyone on the market or local. ...
by confusedinvestor
Mon Mar 20, 2017 10:22 am
Forum: Investing - Help with Personal Investments
Topic: Retirement Plan: Do it myself or use Advisor?
Replies: 41
Views: 2979

Re: Retirement Plan: Do it myself or use Advisor?

Dinosor Dad and NerdSaid, Can you guys please help me? I am 40 with only 1M with 401K,529,Taxable, looking for a fee only per hour advisor. I can only afford $200/hr for max 2 hours. How to find a advisor? here are questions I wrote up after reading this thread. can u guys chime in please? 0. If you...
by confusedinvestor
Mon Mar 20, 2017 10:16 am
Forum: Investing - Help with Personal Investments
Topic: How to find and interview my new Advisor ?
Replies: 15
Views: 1043

How to find and interview my new Advisor ?

Folks, What questions should I ask my new Advisor before signing up? I am not a DIY guy, I'd pay very small fee. Are there any "other" questions I should ask ? Please help advise...I'll post my list with these answer after few days. 0. If you are trying to sell me products like portfolio-m...
by confusedinvestor
Sun Mar 19, 2017 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab vs Vanguard
Replies: 54
Views: 10469

Re: Schwab vs Vanguard

LadyGeek, Given this wiki is 6 year old and not updated, this will mis-lead new folks like myself. Please help review this ? http://www.schwab.com/public/schwab/investing/accounts_products/investment/etfs/schwab_etfs/market_cap_index_etfs Schwab ETFs are much cheaper vs Vanguard. Bogleheads needs to...
by confusedinvestor
Sun Mar 19, 2017 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab vs Vanguard
Replies: 54
Views: 10469

Re: Schwab vs Vanguard

Schwab has lower ER ETFs vs Vanguard

Schwab is today's Vanguard

Vanguard will die soon or may be already in coma

Sandtrap wrote:Schwab - checking, basic low ER funds, awesome customer service, physical locations.
Vanguard - wide array of low ER funds.
IMHO
by confusedinvestor
Sun Mar 19, 2017 1:39 am
Forum: Investing - Help with Personal Investments
Topic: Retirement Plan: Do it myself or use Advisor?
Replies: 41
Views: 2979

Re: Retirement Plan: Do it myself or use Advisor?

I am 40 and I have only 1.2 M. I am using Schwab CFP service as my Advisor. I had a 2 hour planning session this week with Schwab CFP. My advisor joined Schwab from Vanguard. Note: You can get advise on all your accounts (Schwab or NON schwab) but to get access to your plan/advisor you need minimum ...
by confusedinvestor
Sat Mar 18, 2017 9:07 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation % for alternative savings robo account?
Replies: 9
Views: 389

Re: Allocation % for alternative savings robo account?

AS you are a current Betterment customer, did you try to see the AA suggestion from Betterment platform on this specific goal? FYI, i am in the same situation like you and i tried Betterment, i got a AA log Stock/Bonds as 40:60 with Betterment for short-term wealth creation account but I didnot use ...
by confusedinvestor
Sat Mar 18, 2017 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: Advisor proposed Investments for Retirement
Replies: 7
Views: 585

Re: Advisor proposed Investments for Retirement

Thank you Rgs. Question: Why both of you suggested 60-40 ? Is there a way to find out %s in logical way? Advisor suggested 80-20 ? He mentioned we are justs 40s and take more risks...dont know what we should do? Question: Is there a way to find out Fidelity Mutual Funds for those asset classes he su...
by confusedinvestor
Sat Mar 18, 2017 1:17 pm
Forum: Investing - Help with Personal Investments
Topic: Advisor proposed Investments for Retirement
Replies: 7
Views: 585

Re: Advisor proposed Investments for Retirement

Good point. Is there a "standard written" thing Adviser provides ?

I'll ask him, he told me he was with Vanguard Services before and now works for Schwab as Schwab employee CFP

[quote="oldcomputerguy"][
Get that in writing. If he won't give it, run away.

[quote]
by confusedinvestor
Sat Mar 18, 2017 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: Advisor proposed Investments for Retirement
Replies: 7
Views: 585

Advisor proposed Investments for Retirement

Folks, We met with an Advisor and he suggested this mix for our 401K-retirement. Wife and I are both 40 yrs with both current employer 401K in Fidelity with Brokerage Link options (where we can invest 50% of our 401K-$$ in any funds advisor suggested ). He says better to choose Schwab ETFs vs Vangua...
by confusedinvestor
Tue Mar 14, 2017 6:03 pm
Forum: Investing - Help with Personal Investments
Topic: Financial Planning Software?
Replies: 0
Views: 201

Financial Planning Software?

Anyone uses any Financial Planning software like RightCapital or MoneyGuidePro for overall Financial Planning? I just tried the RightCapital for 14 week trail and I like it - anyway to upload the pdf report for feedback? https://www.kitces.com/blog/best-financial-planning-software-reviews-financial-...
by confusedinvestor
Sun Mar 05, 2017 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: Room Addition Goal Portfolio Help, 5 Yrs Horizen
Replies: 4
Views: 265

Re: Room Addition Goal Portfolio Help, 5 Yrs Horizen

Good question, i wanted to see which portfolio outperforms in next 6m-1yrs, given I deposited same 10K each, w $100/month recurring with same AA (45% stock vs 55% Fixed - both came up with same overall mixes) Schwab is free with 12% cash vs ML is .45 bps with 2% cash Both Schwab and ML portfolio loo...
by confusedinvestor
Sun Mar 05, 2017 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: Room Addition Goal Portfolio Help, 5 Yrs Horizen
Replies: 4
Views: 265

Re: Room Addition Goal Portfolio Help, 5 Yrs Horizen

Folks, Any suggestions please? I'd really appreciate it before I invest for my home remodel (room addition) goal. thanks all in advance
by confusedinvestor
Sun Mar 05, 2017 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: Benchmark to SP500?
Replies: 16
Views: 922

Re: Benchmark to SP500?

Personal Capital also called me and said that my AA is not optimal as they compared me with SP500 and says I am loosing $$$ vs Benchmark and they would beat SP500 even after .89 mgmt fees Are they saying the same to you? What are your experience with this thus far? Are you considering them? I am con...
by confusedinvestor
Sun Mar 05, 2017 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: Room Addition Goal Portfolio Help, 5 Yrs Horizen
Replies: 4
Views: 265

Re: Room Addition Goal Portfolio Help, 5 Yrs Horizen

Here is the AA offered by ME for 45% stock and 55% Fixed for my Room Add Portfolio: 45% Stock, 55% Fixed (.45 mgmt fees) 2 Cash 2% Cash 10 Investment Grade Corporate 10% iShares iBoxx IG Corporate ETF 30 Muni National 30% iShares S&P National Muni Bond 10 US Govt/Agency 10% Vanguard Mortgage-Bac...
by confusedinvestor
Sun Mar 05, 2017 12:12 pm
Forum: Investing - Help with Personal Investments
Topic: Room Addition Goal Portfolio Help, 5 Yrs Horizen
Replies: 4
Views: 265

Room Addition Goal Portfolio Help, 5 Yrs Horizen

Hi All, Need your thougths, please help... Goal: Add a downstairs room in my 3 BR CA Home, will cost 30K, time horizen - 5 yrs Both Schwab Intelligent and Merryll Edge Guided portfolio suggested this AA mix, when I answer questions on my risk, time, goal. 45% Stocks, 55% Fixed Question: Can i assume...
by confusedinvestor
Sat Mar 04, 2017 8:20 pm
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund Portfolio by Advisor
Replies: 26
Views: 1405

Re: Emergency Fund Portfolio by Advisor

I will call Monday and figure out the logistics, can i assume there will not be any tax consequences given i move moeny from rollover ira to 401K? Our adviser did mention this but said as we have Rollover IRAs, we need to move those back to existing employer 401Ks before 'backdoor' ROth, else huge t...
by confusedinvestor
Sat Mar 04, 2017 6:05 pm
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund Portfolio by Advisor
Replies: 26
Views: 1405

Re: Emergency Fund Portfolio by Advisor

I am so glad i reached out to you all, thank you for all your suggestions My adviser is a CFP, fee only, feduciary, doesnt hold any of my assest at all. She was suggesting me that 'tiered' approach like you guys suggested and she did mention about backdoor Roth I will call my employer, AT&t 401K...
by confusedinvestor
Sat Mar 04, 2017 10:59 am
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund Portfolio by Advisor
Replies: 26
Views: 1405

Re: Emergency Fund Portfolio by Advisor

Thank you Jac. Our adviser did mention this but said as we have Rollover IRAs, we need to move those back to existing employer 401Ks before 'backdoor' ROth, else huge tax hits or complications, he says it's not worth it...your thoughts? you should consider putting the equity portion ($11k) into a ba...
by confusedinvestor
Sat Mar 04, 2017 10:53 am
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund Portfolio by Advisor
Replies: 26
Views: 1405

Re: Emergency Fund Portfolio by Advisor

thanks enki, my advisor did say that we could loose 40% of that 30K and but, he also says, that given 70% in Muni, we may not loose 30% of 30K, How much % do you invest in your Muni? He suggested using Vanguard funds and he is a CFP
by confusedinvestor
Sat Mar 04, 2017 10:43 am
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund Portfolio by Advisor
Replies: 26
Views: 1405

Re: Emergency Fund Portfolio by Advisor

He suggested 70% in 1 Bond (California Muni) and 30% in 1 Stock (Vanguard total sotck market) He says, CA Muni and VTI may offer > 1% and given, we still keep 4 month in cash and wife has a job, it is better to take risk putting 10K in stocks out of our 55K of Emergency Money (25K cash, 30K in Marke...

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