Search found 16 matches

by iain168
Wed Nov 29, 2017 11:00 am
Forum: Investing - Help with Personal Investments
Topic: ETFs at Vanguard, Fidelity, or Schwab?
Replies: 3
Views: 247

ETFs at Vanguard, Fidelity, or Schwab?

I am looking to put about $20,000 in a overall stock market ETF. I have Fidelity and Schwab accounts already, but if Vanguard has a better ETF, I can easily open a Vanguard account. What ETF should I buy and where?
by iain168
Thu Apr 20, 2017 10:49 am
Forum: Investing - Help with Personal Investments
Topic: Small investment in IPO at Loyal3
Replies: 1
Views: 229

Small investment in IPO at Loyal3

I invested a small amount of money ($1100) in Square IPO in 2015 that was offered at Loyal3. Now Loyal3 is becoming FolioFirst and they're going to start charging me $5 a month to keep my account there. While I would like to like to keep my Square shares, I don't want to pay $5 a month to maintain m...
by iain168
Fri Feb 10, 2017 6:32 pm
Forum: Investing - Help with Personal Investments
Topic: New to Bogleheads - Need to decide whether to sell everything*
Replies: 35
Views: 5315

Re: New to Bogleheads - Need to decide whether to sell everything*

Are there any rules of thumb about investing my emergency funds? Pretty much by definition, the first tier of your emergency fund should not be invested at all. Cash, money market, CDs. If you consider your job very stable, 3 months worth of expenses might be enough for the first tier. If you work ...
by iain168
Fri Feb 10, 2017 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: New to Bogleheads - Need to decide whether to sell everything*
Replies: 35
Views: 5315

Re: New to Bogleheads - Need to decide whether to sell everything*

My opinion would be you can't really afford to save money for other stuff while you are saving so little for retirement. If you believe you will stay at UC and have a pension, you may not need to completely fill both a 403b and an IRA every year. But I do think you need to save more than $6,600 if ...
by iain168
Fri Feb 10, 2017 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: New to Bogleheads - Need to decide whether to sell everything*
Replies: 35
Views: 5315

Re: New to Bogleheads - Need to decide whether to sell everything*

UC supplemental plan 43.8% (23k + 5k = $28k) 23.8% UC INTL EQ INDEX - stocks, foreign 20% UC Bond Fund - bond investments, intermediate-term Roth IRA at Schwab 56.2% ($36k) 56.2% Schwab SWTSX Total Stock Market Index Contributions = $6,600 403b = $1,200 <--all to bonds Roth IRA = $5,400 <--all to T...
by iain168
Thu Feb 09, 2017 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: New to Bogleheads - Need to decide whether to sell everything*
Replies: 35
Views: 5315

Re: New to Bogleheads - Need to decide whether to sell everything*

iain168, you need to slow down and figure out a plan. Then....you find the funds to fill the plan. You seem to be jumping into some "good funds" funds with no plan - a recipe for disaster. What I've been doing is gathering information so I can make a reasonable portfolio suggestion for yo...
by iain168
Wed Feb 08, 2017 5:57 pm
Forum: Investing - Help with Personal Investments
Topic: New to Bogleheads - Need to decide whether to sell everything*
Replies: 35
Views: 5315

Re: New to Bogleheads - Need to decide whether to sell everything*

Ok. Thanks. The Russell 3000 is a total stock market index. It averages out to be called a large cap blend, but it really contains some of everything. Looks like the US International Equity Index is a nice choice containing almost everything. Great, thanks for looking those over for me! So, just to...
by iain168
Wed Feb 08, 2017 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: New to Bogleheads - Need to decide whether to sell everything*
Replies: 35
Views: 5315

Re: New to Bogleheads - Need to decide whether to sell everything*

1) I haven't given the stock to bond ratio very much thought. Given that I'm 32, I would think I want more stocks vs. bonds. I think I can weather a riskier portfolio for retirement, given that I won't be touching it for a few decades. I would appreciate guidance on the exact allocation! I think ev...
by iain168
Wed Feb 08, 2017 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: New to Bogleheads - Need to decide whether to sell everything*
Replies: 35
Views: 5315

Re: New to Bogleheads - Need to decide whether to sell everything*

Back to the portfolio. Taking the house money out, your retirement portfolio consists of about $64k. UC supplemental plan 43.8% (23k + 5k = $28k) Roth IRA at Schwab 56.2% ($36k) 1) You didn't list a desired stock to bond allocation in your original post, so that is our next step. Have you given thi...
by iain168
Wed Feb 08, 2017 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: New to Bogleheads - Need to decide whether to sell everything*
Replies: 35
Views: 5315

Re: New to Bogleheads - Need to decide whether to sell everything*

What is this supplemental investment account? Is it another 403b or a 457b? Or even something different? Regardless of what it is, I think that is your best option - to roll at least the old 403b in there. If they can take what you are calling a tax-deferred annuity, I guess that's good too althoug...
by iain168
Tue Feb 07, 2017 6:08 pm
Forum: Investing - Help with Personal Investments
Topic: New to Bogleheads - Need to decide whether to sell everything*
Replies: 35
Views: 5315

Re: New to Bogleheads - Need to decide whether to sell everything*

I have already left the job that was using Mutual of America as the 403b vendor. Ok. That changes everything. You have 3 choices for this 403b money. -leave it where it is - bad idea because the expenses are too high -roll it into your new work plan - do you have one? -roll it into an IRA at a plac...
by iain168
Mon Feb 06, 2017 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: New to Bogleheads - Need to decide whether to sell everything*
Replies: 35
Views: 5315

Re: New to Bogleheads - Need to decide whether to sell everything*

Thanks for the suggestions! The Tax Deferred Annuity was actually an employee plan that got switched to the 403b thrift, which is why there's so little in there. Both Mutual of America accounts were allocations chosen by an advisor. I don't understand what this means. Was the tax deferred annuity i...
by iain168
Wed Feb 01, 2017 8:13 pm
Forum: Investing - Help with Personal Investments
Topic: New to Bogleheads - Need to decide whether to sell everything*
Replies: 35
Views: 5315

Re: New to Bogleheads - Need to decide whether to sell everything*

You're 32. Why would you worry about volatility? Your investing horizon is what, 20-30 years before you retire, with another 20-30 years after? Your possible losses in the next few years will be merely a blip on the graph by then. To clarify, I was referring to selling the taxable portion of my inv...
by iain168
Wed Feb 01, 2017 8:11 pm
Forum: Investing - Help with Personal Investments
Topic: New to Bogleheads - Need to decide whether to sell everything*
Replies: 35
Views: 5315

Re: New to Bogleheads - Need to decide whether to sell everything*

Plus those funds you are in are not great. And this is why I came here--I don't understand why these funds are not great. Is it because of the expense ratio? Otherwise, I thought I did pretty well on those funds in 6 years? If I sell for the numbers I got today, I'll have increased my principle by ...
by iain168
Wed Feb 01, 2017 8:05 pm
Forum: Investing - Help with Personal Investments
Topic: New to Bogleheads - Need to decide whether to sell everything*
Replies: 35
Views: 5315

Re: New to Bogleheads - Need to decide whether to sell everything*

If your tax bracket is not 15%, please edit your original post (using the little pencil like thing). Oops, edited. Wishful thinking! But....you should sell all those funds because that is your house money. House money needed in the next 5 years should not be invested in stocks. It should be in cash...
by iain168
Wed Feb 01, 2017 5:19 pm
Forum: Investing - Help with Personal Investments
Topic: New to Bogleheads - Need to decide whether to sell everything*
Replies: 35
Views: 5315

New to Bogleheads - Need to decide whether to sell everything*

Hi everyone, I'm new to Bogleheads (just discovered you this morning!) and am looking forward to learning a lot from you all. I left my advisor for a few months, and I'm glad I found this forum because I have a few financial decisions I need to make. First off, I hope I did this right: my financial ...