Search found 707 matches

by elgob.bogle
Tue Aug 15, 2017 6:52 pm
Forum: Investing - Theory, News & General
Topic: 401(k)/403(b) Conversion to Roth IRA
Replies: 22
Views: 2097

Re: 401(k)/403(b) Conversion to Roth IRA

When you convert the TIRA to the ROTH IRA at vanguard, you will be given a choice on whether or not Vanguard should take out taxes. I believe that the default is 20%. If you can use outside funds, you likely may be better off. David Jay had some spreadsheet advice for me regarding how to determine h...
by elgob.bogle
Thu Aug 10, 2017 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: 3 years to go - ROTH now or ROTH Conversions later
Replies: 11
Views: 1293

Re: 3 years to go - ROTH now or ROTH Conversions later

Well, we discussed COBRA yesterday, and she is not interested. She has a good job & career, and is enjoying herself. She simply does not want to retire now, even if we can afford for her to do so.

elgob
by elgob.bogle
Wed Aug 09, 2017 9:48 am
Forum: Investing - Help with Personal Investments
Topic: 3 years to go - ROTH now or ROTH Conversions later
Replies: 11
Views: 1293

Re: 3 years to go - ROTH now or ROTH Conversions later

If one doesn't have the money for conversion taxes now, but will accumulate it over the next 3 years and then withdraw it to pay taxes, putting in a Roth now will at least allow any gains to be tax free.] We agree. I guess the question boils down to how to make the decision to either save the $$ fo...
by elgob.bogle
Wed Aug 09, 2017 9:04 am
Forum: Investing - Help with Personal Investments
Topic: 3 years to go - ROTH now or ROTH Conversions later
Replies: 11
Views: 1293

Re: 3 years to go - ROTH now or ROTH Conversions later

Watty said Without knowing more about your assets Out total portfolio (including her estimated pension) is currently $2.1 M. We hope to grow this so that she can retire with a $2 M portfolio, after deducting estimated 20% for taxes. We are not wealthy, in our view, but we are doing OK. We are at 20%...
by elgob.bogle
Wed Aug 09, 2017 8:46 am
Forum: Investing - Help with Personal Investments
Topic: 3 years to go - ROTH now or ROTH Conversions later
Replies: 11
Views: 1293

Re: 3 years to go - ROTH now or ROTH Conversions later

" so that she can convert some (or more) of her TIRA money into ROTH money. Could you explain the highlighted part? In other words, how does a taxable balance allow conversions that the same Roth balance would not?" I do not have any tax deferred accounts. She has a 401k, 401k ROTH, 403b, and will h...
by elgob.bogle
Tue Aug 08, 2017 10:55 am
Forum: Investing - Help with Personal Investments
Topic: Need help understanding TIPS funds
Replies: 15
Views: 1402

Re: Need help understanding TIPS funds

Vanguard used to include their intermediate term TIPS Fund in their fund of funds products. Recently, they only include their Short Term TIPS Fund in those products. I used to have a TIPS ladder, but my spouse did not want to deal with a ladder if/when I pass away, so I switched the Short Term Tips ...
by elgob.bogle
Tue Aug 08, 2017 8:17 am
Forum: Investing - Help with Personal Investments
Topic: 3 years to go - ROTH now or ROTH Conversions later
Replies: 11
Views: 1293

Re: 3 years to go - ROTH now or ROTH Conversions later

Thank you! I used the RMD calculator (linked in the Wiki) and came up with quick estimate of RMDs for her TIRA from ages 70 - 100. I couldn't figure out how to change the ending age from 100 to 95. I am guessing these figures were not cola'd, as I didn't have a place to enter estimated inflation dat...
by elgob.bogle
Mon Aug 07, 2017 8:10 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for general help with strategy - not sure what to do about retirement options, and with prior savings
Replies: 6
Views: 644

Re: Looking for general help with strategy - not sure what to do about retirement options, and with prior savings

Welcome to the forum. This won't answer all of you questions, but consider rolling your old 401 k into a Vanguard Traditional IRA to give you more flexibility. Secondly, consider that all contributions to a ROTH may be withdrawn, you just can't withdraw the growth money. So, you could do your annual...
by elgob.bogle
Mon Aug 07, 2017 7:57 pm
Forum: Investing - Help with Personal Investments
Topic: Close empty brokerage accounts at Scottrade?
Replies: 1
Views: 285

Re: Close empty brokerage accounts at Scottrade?

If Scottrade is like Vanguard, they won't close them at all. We have had two empty Vanguard Brokerage accounts for several years, and have asked Vanguard to close one of them to no avail. No harm - No Foul we suppose!

elgob
by elgob.bogle
Mon Aug 07, 2017 7:48 pm
Forum: Investing - Help with Personal Investments
Topic: 3 years to go - ROTH now or ROTH Conversions later
Replies: 11
Views: 1293

3 years to go - ROTH now or ROTH Conversions later

Here is a question that we have been asking ourselves, and could use some advice. I have converted all of my TIRA type accounts to ROTH IRA's since my retirement in 2011. My spouse has about 3 years to go until her retirement, and is paying taxes on her annual $23,000 401k contributions and placing ...
by elgob.bogle
Mon Aug 07, 2017 7:09 pm
Forum: Investing - Help with Personal Investments
Topic: Roth conversions
Replies: 7
Views: 826

Re: Roth conversions

Another advantage of multiple ROTH IRA accounts is the ability to "change your mind" on an investment exchange you just made and reverse it in a different ROTH account to avoid "round trip" issues with Vanguard. At least, that was the way it used to work before the new ETF System was put in place. e...
by elgob.bogle
Mon Aug 07, 2017 7:02 pm
Forum: Investing - Help with Personal Investments
Topic: Help with New Portfolio
Replies: 7
Views: 549

Re: Help with New Portfolio

Have you considered starting your Vanguard account with Vanguard's equivalent fund to the most expensive (ER) fund that you currently have with your broker, and then convert same $$ amount that you put into your Vanguard account into the least expensive (ER) available fund in your brokerage account....
by elgob.bogle
Sun Aug 06, 2017 9:29 pm
Forum: Investing - Theory, News & General
Topic: Study: Who Sold Stock During the 2008-9 Crash?
Replies: 85
Views: 7492

Re: Study: Who Sold Stock During the 2008-9 Crash?

I skimmed the thread, and didn't notice anyone mention the possibility of greater than usual conversions to ROTH IRA's. I forget, were the new, less restrictive conversion rules in place at this time? I know that I was doing those conversions beginning six years ago, and now I have no TIRA's :D Howe...
by elgob.bogle
Wed Jul 19, 2017 6:27 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1527
Views: 270805

Re: What are you up YTD? [Year To Date]

22.5% Socks & 77.5% Bonds 5.03% Today (7/19/2017)

elgob
by elgob.bogle
Sun Jul 02, 2017 8:55 am
Forum: Investing - Theory, News & General
Topic: Consistent Yield & Duration to Help Choose TIPS Fund
Replies: 82
Views: 18912

Re: Consistent Yield & Duration to Help Choose TIPS Fund

# Cruncher noted: "I'd estimate the future return of VTAPX would be -0.06% in real terms (+0.01% - 0.07%)"

Too bad, we have a bunch of this fund, hoping to protect the value before future withdrawals. Oh Well!

elgob
by elgob.bogle
Wed Jun 14, 2017 10:03 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Stocks, Bonds, & Risk
Replies: 61
Views: 5847

Re: Larry Swedroe: Stocks, Bonds, & Risk

Thanks! Excellent article!

elgob
by elgob.bogle
Sat May 20, 2017 3:37 am
Forum: Investing - Theory, News & General
Topic: "Stocks, Bonds and Future Returns" by Prof. Jeremy Siegel
Replies: 65
Views: 6353

Re: "Stocks, Bonds and Future Returns" by Prof. Jeremy Siegel

Thanks! Great visuals to go with my morning coffee.

elgob
by elgob.bogle
Thu May 18, 2017 1:30 pm
Forum: Investing - Theory, News & General
Topic: For those with $500k-$1m in investments...
Replies: 138
Views: 14419

Re: For those with $500k-$1m in investments...

4% Taxable, 34% in 401k/403b, 62% in ROTH I'm 69 & DW is 62

elgob
by elgob.bogle
Sat May 06, 2017 4:11 am
Forum: Investing - Theory, News & General
Topic: Financial Literacy
Replies: 27
Views: 2552

Re: Financial Literacy

I have to admit that I scored only 87%, and the questions that I missed were all annuity questions. My results make me think that the test is designed to make participants think more about annuities. Nice ploy to spark interest!

elgob
by elgob.bogle
Thu Apr 20, 2017 5:04 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 41970

Re: Larry Swedroe says "Goodby."

This is sad day for all of us! Larry, if you are reading this thread, just want you to know that I have more of your books in my library than those of any other financial author.

ellgob
by elgob.bogle
Sat Apr 15, 2017 5:54 pm
Forum: Investing - Theory, News & General
Topic: Is it necessary to diversify across Factors?
Replies: 123
Views: 8010

Re: Is it necessary to diversify across Factors?

Not easy question to answer. I have pondered whether or not to have a strong factor tilt and reduce my left tail exposure now that I am retired. Still more heavily influenced by the 3-fund portfolio gang than I am by the tilting crowd. The min problem that I see in the tilting is that it may take ma...
by elgob.bogle
Thu Apr 06, 2017 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Secretly entered two comma club
Replies: 44
Views: 7382

Re: Secretly entered two comma club

"Stealth millionaire is better"
+1

elgob
by elgob.bogle
Tue Apr 04, 2017 4:41 pm
Forum: Investing - Theory, News & General
Topic: Help me decide!
Replies: 5
Views: 757

Re: Help me decide!

Have you used portfolio visualizer (https://www.portfoliovisualizer.com/) to analyze all of your various scenarios? It can be a good place to get additional insight.

elgob
by elgob.bogle
Mon Apr 03, 2017 1:28 pm
Forum: Investing - Theory, News & General
Topic: 100% stocks in ROTH?
Replies: 27
Views: 2020

Re: 100% stocks in ROTH?

We currently have only safe bonds (ST Treasury & ST TIPS Funds) in our ROTH accounts, and equity funds in tax-deferred. Until late last year, placement was just the opposite. We enjoyed a good expansion of our ROTH money, with relatively very little decrease in bond values. The switch basically ...
by elgob.bogle
Fri Mar 31, 2017 1:40 pm
Forum: Investing - Theory, News & General
Topic: Does your asset allocation derate tax-deferred holdings to account for future tax liability?
Replies: 163
Views: 9458

Re: Does your asset allocation derate tax-deferred holdings to account for future tax liability?

FWIW - our AA is currently 37.8% stocks : bonds 62.2% (dear wife's age in bonds). Our average effective Federal Income Tax Rate over the past 10 years is about 20%. A second set of rows in our spreadsheet uses this average effective tax rate to devalue assets in dear wife's tIRA. The resultant AA is...
by elgob.bogle
Wed Mar 22, 2017 10:49 pm
Forum: Investing - Theory, News & General
Topic: The $1,124,176 Car.
Replies: 99
Views: 10072

Re: The $1,124,176 Car.

We miss our Camaro, Mustang GT, Mustang Convertible & Porsche sports cars that we used to drive. However, our current Honda Civic EX allows us to plan on eating steak until we die, instead of dog food! Thanks for the post.

elgob
by elgob.bogle
Wed Mar 22, 2017 2:02 pm
Forum: Investing - Theory, News & General
Topic: Tax Strategies for Lowering Tax Bracket & Increasing Retirement
Replies: 5
Views: 1419

Re: Tax Strategies for Lowering Tax Bracket & Increasing Retirement

Welcome to the forum. Have you visited the forum at http://fairmark.com/ They tend to have lots of people answering these types of questions.

elgob
by elgob.bogle
Wed Mar 22, 2017 10:47 am
Forum: Investing - Theory, News & General
Topic: Trying to Time the Market
Replies: 8
Views: 1501

Re: Trying to Time the Market

Thanks - I enjoyed reading this. See https://en.wikipedia.org/wiki/Schadenfreude

elgob
by elgob.bogle
Wed Mar 22, 2017 10:22 am
Forum: Investing - Theory, News & General
Topic: Anyone else taking less risk
Replies: 115
Views: 11489

Re: Anyone else taking less risk

Isn't it interesting how we pay attention when the mostly disinterested spouse says something. We sold our 10-year rolling TIPS ladders because dear wife, who usually does not get involved, let me know that she didn't want to buy TIPS at auction to maintain the ladder when I pass - too much work. Co...
by elgob.bogle
Tue Mar 21, 2017 10:01 pm
Forum: Investing - Theory, News & General
Topic: Why buying the falling funds don’t work?
Replies: 7
Views: 1205

Re: Why buying the falling funds don’t work?

Hmmm! Welcome to the forum. I suggest that you read up on RBD = Really Bad Day (e.g. viewtopic.php?t=184463) for a a little more insight.

elgob
by elgob.bogle
Tue Mar 21, 2017 8:20 pm
Forum: Investing - Theory, News & General
Topic: Motif Investing Implementation of Ultimate Buy and Hold
Replies: 29
Views: 4042

Re: Motif Investing Implementation of Ultimate Buy and Hold

Thanks Paul, for jumping in early and clarifying. I have a sister who may interested in this, and will forward to her the link to this thread.

elgob
by elgob.bogle
Mon Mar 20, 2017 9:50 pm
Forum: Investing - Theory, News & General
Topic: Asset allocation and asset placement question?
Replies: 4
Views: 529

Re: Asset allocation and asset placement question?

Putting your bonds in tax deferred allow you to take advantage of potentially lower capital gains taxes on your equities. If equities are in deferred accounts, you would pay ordinary income tax rates, which are usually higher.

elgob
by elgob.bogle
Sun Mar 19, 2017 12:41 pm
Forum: Investing - Theory, News & General
Topic: 15% International Small-Cap vs 30% Total International
Replies: 47
Views: 4221

Re: 15% International Small-Cap vs 30% Total International

rollsound - considering the backtester that triceratops linked and what Larry Swedroe noted, you could achieve the same results as shown for backtester portfolio 3 with 20% US small cap value, 20% International Small, 30% TIPS & 30% Short Term Treasuries (try plugging in these values), and there...
by elgob.bogle
Sun Mar 19, 2017 9:42 am
Forum: Investing - Theory, News & General
Topic: Anyone else taking less risk
Replies: 115
Views: 11489

Re: Anyone else taking less risk

Last year, we sold our 10-year TIPS bond ladder and intermediate bond funds, and loaded up on a combination of the Vanguard Short Term TIPS Fund and the Vanguard Short Term Treasury Fund, reducing risk on that side of the portfolio. We recently adjusted our AA from my age in bonds to my spouse's age...
by elgob.bogle
Sun Mar 05, 2017 11:49 am
Forum: Investing - Theory, News & General
Topic: Would like comments on this Roth Conversion quote.
Replies: 30
Views: 2860

Re: Would like comments on this Roth Conversion quote.

mayhapbh listed 3 Roth IRA advantages. Another is that future Roth IRA withdrawals (relative to tIRA withdrawals) will not impact Medicare Part B payments. Can anyone think of/list other benefits?

elgob
by elgob.bogle
Fri Mar 03, 2017 7:38 pm
Forum: Investing - Theory, News & General
Topic: BND flat today despite interest rate announcement
Replies: 22
Views: 3609

Re: BND flat today despite interest rate announcement

"Suppose we have a fund with a NAV of $1.00. News becomes available of a possible event that will lower its price by 10%. For the sake of argument, assume the event is something simple like a coin flip so we can estimate its probability as very close to 50%. How much should an efficient market ...
by elgob.bogle
Fri Mar 03, 2017 7:30 pm
Forum: Investing - Theory, News & General
Topic: Vanguard and bond recomendations
Replies: 18
Views: 2186

Re: Vanguard and bond recomendations

"I believe that the 110 minus age formula yields a suggested stock allocation with the remainder being equities. "

Huh????

elgob
by elgob.bogle
Mon Feb 20, 2017 8:40 pm
Forum: Investing - Theory, News & General
Topic: Why are HSAs called "triple tax advantaged"?
Replies: 45
Views: 3778

Re: Why are HSAs called "triple tax advantaged"?

She contributed everything. Yes - it is a Health Savings Account and nothing else. We faithfully filed out the correct forms and our pretax deduction was rejected. Therefore, we paid tax on the $$. Now that the $$ is in her HSA account, we enjoy all of the other benefits. I don't understand the rule...
by elgob.bogle
Mon Feb 20, 2017 8:00 pm
Forum: Investing - Theory, News & General
Topic: Why are HSAs called "triple tax advantaged"?
Replies: 45
Views: 3778

Re: Why are HSAs called "triple tax advantaged"?

My spouse has a "cafeteria: health plan where she works plus a HSA. I am confused about the rules which disallow any deduction for HSA in such a situation. Perhaps I don't have it right (memory is fuzzy), but the IRS kicked back our return a few years back when we attempted to claim a deduction...
by elgob.bogle
Tue Jan 31, 2017 12:07 pm
Forum: Investing - Theory, News & General
Topic: possible to reduce my holding of international with my setup
Replies: 5
Views: 609

Re: possible to reduce my holding of international with my setup

You didn't mention in what type of account your international holdings are. If in taxable, you could consider tax loss harvesting as a way to ease the sting of losses

elgob
by elgob.bogle
Sat Jan 21, 2017 1:52 pm
Forum: Investing - Theory, News & General
Topic: RMD question
Replies: 20
Views: 2886

Re: RMD question

You might want to read about his follow-up study: http://www.caniretireyet.com/the-best-r ... ng-deeper/


elgob
by elgob.bogle
Sun Jan 08, 2017 3:28 pm
Forum: Investing - Theory, News & General
Topic: WSJ - It's time for Fees to go even lower - Jason Zweig
Replies: 7
Views: 1741

Re: WSJ - It's time for Fees to go even lower - Jason Zweig

After reading the article, I am now looking forward to reading Warren Buffett's next shareholder letter.

elgob
by elgob.bogle
Wed Jan 04, 2017 8:38 am
Forum: Investing - Theory, News & General
Topic: A Funny Thing Happened at Vanguard on the way to our 2017 ROTH Contributions
Replies: 12
Views: 2969

Re: A Funny Thing Happened at Vanguard on the way to our 2017 ROTH Contributions

I checked this morning. Our balance in that account is $0.01. Perhaps we will just let it ride until next year. Our hope is that someone at Vanguard will pick up on this thread and remedy the situation.

elgob
by elgob.bogle
Tue Jan 03, 2017 4:10 pm
Forum: Investing - Theory, News & General
Topic: 10 Ways to Fend Off Medicare Surtaxes and Social Security Givebacks
Replies: 0
Views: 453

10 Ways to Fend Off Medicare Surtaxes and Social Security Givebacks

I found this article to be an interesting summary of tactics. http://www.forbes.com/sites/baldwin/201 ... 684dcf1a78 I am guessing that most BH do/plan to do these things already.

elgob
by elgob.bogle
Tue Jan 03, 2017 1:41 pm
Forum: Investing - Theory, News & General
Topic: Paying Vanguard (Roth) IRA transaction fees from a non-retirement account
Replies: 6
Views: 528

Re: Paying Vanguard (Roth) IRA transaction fees from a non-retirement account

Welcome to the forum! Could you convert your ROTH contribution amount to a Vanguard fund first, and then move $$ from this fund into your ROTH account?

elgob
by elgob.bogle
Tue Jan 03, 2017 1:19 pm
Forum: Investing - Theory, News & General
Topic: Champion of 401K Lament the Revolution they Started
Replies: 75
Views: 5442

Re: Champion of 401K Lament the Revolution they Started

This "I would gladly keep all of my fica and medicare tax and invest on my own in 401k."

elgob