Search found 14 matches

by elderwise
Sun Mar 26, 2017 10:12 pm
Forum: Investing - Help with Personal Investments
Topic: Help with picking correct fund for taxable to avoid wash sale
Replies: 4
Views: 359

Help with picking correct fund for taxable to avoid wash sale

Hello BHs, The more I read, the more I get confused with wash sale, and I really need some help picking the correct fund for my taxable. Currently maxing 401K plus 457B(govt), and Roth IRA... Opened a taxable at VG, and need to pick funds and DRIP or take CG / dividends ($5K start with) add $6000 ye...
by elderwise
Fri Mar 17, 2017 11:51 am
Forum: Investing - Help with Personal Investments
Topic: Funds for taxable account
Replies: 11
Views: 942

Funds for taxable account

Hi Bogleheads, Currently maxing 401k, 457B, Roth IRA(Him+Her) 25% bracket, IL state govt Job Pension DB, 32 YO. Have enough EF ~6+ months, no debt / mortgage.cars paid off. Have around 5-10K spare for investing in taxable account. Need advice, Which funds? preferable vanguard have roth ira and old e...
by elderwise
Wed Jul 27, 2016 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: VPMAX worth it? [Vanguard PRIMECAP]
Replies: 15
Views: 2642

Re: VPMAX worth it? [Vanguard PRIMECAP]

I've owned this fund for a long time. It's a large cap fund so it doesn't rise as fast as the small caps - but it also doesn't drop as much when times are bad. I find it better than the S&P 500 Index but similar in that it is active and large cap. Worth holding imo. Good management team. Also a...
by elderwise
Tue Jul 26, 2016 10:16 am
Forum: Investing - Help with Personal Investments
Topic: Need advice on employer plans 401k, 457b, Roth 401K, Roth 457B ( 4 plans)
Replies: 18
Views: 1094

Re: Help rebalance existing 403B

I have good news! i just talked to our retirement specialist at MassMutual and they said our employer allows 401K + 457B + Roth 401K + Roth 457B. That means 72K I can sweep into the tax deferred account.I think if i can max out at 72K total then I dont even need a spousal Roth IRA(lol 5.5( vs 18K s...
by elderwise
Tue Jul 26, 2016 8:58 am
Forum: Investing - Help with Personal Investments
Topic: Need advice on employer plans 401k, 457b, Roth 401K, Roth 457B ( 4 plans)
Replies: 18
Views: 1094

Re: Help rebalance existing 403B

I have good news! i just talked to our retirement specialist at MassMutual and they said our employer allows 401K + 457B + Roth 401K + Roth 457B. That means 72K I can sweep into the tax deferred account.I think if i can max out at 72K total then I dont even need a spousal Roth IRA(lol 5.5( vs 18K se...
by elderwise
Mon Jul 25, 2016 11:08 am
Forum: Investing - Help with Personal Investments
Topic: Need advice on employer plans 401k, 457b, Roth 401K, Roth 457B ( 4 plans)
Replies: 18
Views: 1094

Re: Help rebalance existing 403B

Hi guys, thanks much for your detailed response, here is the ER / tickers for the funds you had asked in my current 401k/457 (same provider MassMutual) and same funds available in both cases: Vanguard Institutional Index I - VINIX - ER 0.04 Vanguard Mid cap Index - VMCIX - ER 0.08 Vanguard Small cap...
by elderwise
Fri Jul 22, 2016 8:15 pm
Forum: Investing - Help with Personal Investments
Topic: Need advice on employer plans 401k, 457b, Roth 401K, Roth 457B ( 4 plans)
Replies: 18
Views: 1094

Re: Help rebalance existing 403B

Age:30 Desired Asset allocation: xx% stocks / xx% bonds (not sure) Desired International allocation: xx% of stocks (not sure) I recommend 80% stocks, 20% bonds, with 30% of stocks in international. That breaks down to 56% US stocks, 24% international stocks, and 20% bonds. His 401k(Mass Mutual) - c...
by elderwise
Fri Jul 22, 2016 8:06 pm
Forum: Investing - Help with Personal Investments
Topic: Dump $5500 to Roth IRA on Day 1 of every year or split contribution to 12 months?
Replies: 32
Views: 3535

Re: Dump $5500 to Roth IRA on Day 1 of every year or split contribution to 12 months?

This is a good question, and I will also be doing one shortly for self and spousal tIRA.

Guess all in - :)
by elderwise
Fri Jul 22, 2016 8:03 pm
Forum: Investing - Help with Personal Investments
Topic: Need advice on employer plans 401k, 457b, Roth 401K, Roth 457B ( 4 plans)
Replies: 18
Views: 1094

Re: Help rebalance existing 403B

Also can anyone comment on my existing selections for 457/401K and the 403B i picked at vanguard before?

Are they all bad funds? Sorry I am new to all this, I just did what i thought was best...

Thanks!
by elderwise
Fri Jul 22, 2016 8:02 pm
Forum: Investing - Help with Personal Investments
Topic: Need advice on employer plans 401k, 457b, Roth 401K, Roth 457B ( 4 plans)
Replies: 18
Views: 1094

Re: Help rebalance existing 403B

Thanks ruralavalon and Duckie for your response, Here is the list of the 401K / 457b options I have.I have attached the funds, if you point the particular fund i will get the ER its just I need to download the prospectus of each fund to view the ER, its so painful. Also, to your query avalon, i plan...
by elderwise
Fri Jul 22, 2016 12:14 pm
Forum: Investing - Help with Personal Investments
Topic: Need advice on employer plans 401k, 457b, Roth 401K, Roth 457B ( 4 plans)
Replies: 18
Views: 1094

Re: Help rebalance existing 403B

Welcome to the forum :) . Do you have a desired asset allocation that you want to aim for? What are the other funds (fund names, tickers & expense ratios) offered in this 403b? Do you have any other accounts, and if so what are they and what investments do you hold there? It's usually best to c...
by elderwise
Fri Jul 22, 2016 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Need advice on employer plans 401k, 457b, Roth 401K, Roth 457B ( 4 plans)
Replies: 18
Views: 1094

Re: Help rebalance existing 403B

Can we also attach images from computer to upload to this post? I was trying to screen grab a list of all the available funds to me but did not find such option?
by elderwise
Fri Jul 22, 2016 11:24 am
Forum: Investing - Help with Personal Investments
Topic: Need advice on employer plans 401k, 457b, Roth 401K, Roth 457B ( 4 plans)
Replies: 18
Views: 1094

Re: Help rebalance existing 403B

Ok thanks i will update my original post..
by elderwise
Fri Jul 22, 2016 10:41 am
Forum: Investing - Help with Personal Investments
Topic: Need advice on employer plans 401k, 457b, Roth 401K, Roth 457B ( 4 plans)
Replies: 18
Views: 1094

Need advice on employer plans 401k, 457b, Roth 401K, Roth 457B ( 4 plans)

Emergency funds: 20K, not invested any where right now, planning to put in a taxable account at Vanguard (pls advise) Debt: None, planning to buy a home in the next few years(1-2) Tax Filing Status: MFJ , with 2 kids - spouse stay at home will be for sometime Tax Rate: 25% Federal, 3.75% State (Flat...

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