Search found 47 matches

by jbran99
Fri Dec 02, 2016 10:34 am
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting with intermediate term bond fund
Replies: 2
Views: 251

Re: Tax loss harvesting with intermediate term bond fund

Given that one of your options is Cash, it seems likely that you intend to exchange back into VBIIX after 30 days. If that is indeed the case, then it likely won't matter too much what you use in the interim. On the tax-exempt side of things, many folks (myself included) used a shorter-duration fund...
by jbran99
Thu Dec 01, 2016 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: Just bought a lot of bonds today per my IPS--and felt very uneasy doing it
Replies: 23
Views: 2757

Re: Just bought a lot of bonds today per my IPS--and felt very uneasy doing it

VFIUX (intermediate term treasuries) ... lose 10-15% ... in the next couple of months. The Nov 30 closing share price for this fund was $11.23. A 10% loss would be a share price of $10.10. Some historical context: the share price for this fund bottomed out in the upper $10.4X range during May/June ...
by jbran99
Tue Nov 29, 2016 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: Help with tax loss harvesting Vanguard Intermediate Muni Bond Fund; alternative fund suggestions
Replies: 6
Views: 571

Re: Help with tax loss harvesting Vanguard Intermediate Muni Bond Fund; alternative fund suggestions

Last week I sold this exact Intermediate-Term Tax-Exempt fund (VWIUX) as part of an exchange to Limited-Term Tax-Exempt (VMLUX). My partial dividend was paid that same day. In 31 days I will exchange back to Intermediate-Term (VWIUX). I expect any loss or gain in VMLUX during this time to be negligi...
by jbran99
Tue Nov 08, 2016 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: How to retire early (in your 30s or 40s)?
Replies: 173
Views: 20778

Re: How to retire early (in your 30s or 40s)?

Don't mean to sidetrack the thread, but just curious those who will be retiring in 30's and 40's plan to do for the next 40-50 yrs. of their lives? I'm trying to figure out if these folks have a plan already or just going to wing it after retirement. ... I see a lot of folks wanting to retire early...
by jbran99
Fri Nov 04, 2016 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: How to retire early (in your 30s or 40s)?
Replies: 173
Views: 20778

Re: How to retire early (in your 30s or 40s)?

If a couple earning $100k can save $50k, pay taxes and live off the rest, that is pretty amazing (and I'd say unusual). With two 401k deductions, two IRA deductions, two exemptions, and two standard (non-itemized) deductions, they owe only $4k in taxes. That leaves $46k for spending. There are many...
by jbran99
Fri Nov 04, 2016 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: How to retire early (in your 30s or 40s)?
Replies: 173
Views: 20778

Re: How to retire early (in your 30s or 40s)?

Say you are 39 and have worked for 18 years. Your 401k and IRA are limited so how much could you really accumulate in that amount of time? Ignoring old limits and inflation and gains, $18k 401k limit + $5.5k IRA limit * 18 = $423k. Even using a 4% SWR, that is $17k a year. As was pointed out earlie...
by jbran99
Thu Nov 03, 2016 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Health - Not Sure What to Do Next
Replies: 9
Views: 1894

Re: Financial Health - Not Sure What to Do Next

Retirement: -$96k (my 401k), $26k (my Roth IRA) -$146k (wife’s 401k). I max out annually, wife nearly maxes out (but can). Our employer 401k’s are a blend of 401k/Roth 401k. ... -Should we both contribute to IRA and backdoor? (I assume this is going to be a resounding YES!) I would suggest you both...
by jbran99
Fri Jul 22, 2016 10:00 am
Forum: Personal Finance (Not Investing)
Topic: How many folks choose to give inheritance to their children in unequal portions?
Replies: 193
Views: 17599

Re: How many folks choose to give inheritance to their children in unequal portions?

I couldn't help but notice the striking similarity of topics to one of your previous posts : Some, like myself, took the lessons to heart and do as he does. Others spend every dime, and then some... I'm concerned that the amount of inheritance will be enough to negate a lifetime of savings, and put ...
by jbran99
Tue Jul 19, 2016 11:32 am
Forum: Investing - Help with Personal Investments
Topic: 1 year checkup
Replies: 8
Views: 1190

Re: 1 year checkup

There were some great things that happened like getting some MUCH better 401k options... Current Assets: ... 2016 His 401k $39,789.54 His old 401k $7,106.58 His Roth IRA $21,091.18 Her 401k $37,133.70 His IRA $5,000 Her IRA $5,000 2016 Goals ... $5,000 his IRA $5,000 her IRA With improved current 4...
by jbran99
Mon May 23, 2016 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Exclusivity and Real Estate Agents. Agree or Disagree?
Replies: 58
Views: 4038

Re: Exclusivity and Real Estate Agents. Agree or Disagree?

Around here, there's a pretty standard purchase contract that only has a few variables that change. Obviously it's important to look at the whole thing, but it's not generally complicated. When I purchased my current house, I used the seller's agent. I had a local real estate attorney review the co...
by jbran99
Wed Apr 20, 2016 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for college/loans and closing/borrowing from retirement?
Replies: 7
Views: 570

Re: Paying for college/loans and closing/borrowing from retirement?

-Loans - 5k grad school at about 6% interest -About to start my 2nd masters -Paying off car at $360 a month .9% interest with 28 months left Wife: -Loans - 25k undergrad and grad school at about 5% interest She will need another 15k in loans to finish school and I will need another 15k to start/fin...
by jbran99
Tue Nov 10, 2015 10:56 am
Forum: Personal Finance (Not Investing)
Topic: This HDHP w/HSA is a no-brainer, right?
Replies: 39
Views: 5157

Re: This HDHP w/HSA is a no-brainer, right?

coopermonster wrote:We plan to fund the HSA up to the $6,650 limit for families

The 2016 HSA Family Contribution Limit was increased to $6,750: http://www.shrm.org/hrdisciplines/benef ... imits.aspx
by jbran99
Thu Sep 24, 2015 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Worth it to sell from taxable to fill tax advantaged accounts?
Replies: 4
Views: 625

Re: Worth it to sell from taxable to fill tax advantaged accounts?

We are currently investing ~$4K/month, $48K a year and it seems we have >$58K in advantaged space available without even getting into 529s. (401Ks, HSA, Backdoor Roths, Childcare FSA ). ... We are also maxing our dependent care FSA ... which I don’t see in the priority list. ... New annual Contribu...
by jbran99
Tue Apr 14, 2015 8:30 am
Forum: Investing - Help with Personal Investments
Topic: 401k converting PIMCO Tot Return to Loomis Sayles - advice?
Replies: 13
Views: 1885

Re: 401k converting PIMCO Tot Return to Loomis Sayles - advi

I'm not the OP but it looks like an investment trust or something otherwise not a mutual fund, so no ticker. Correct - it appears to be an investment trust. Our 401k, which is pretty good in my opinion, has a few investment trusts as 'wrappers' for other funds. In fact, the PIMCO Total Return was a...
by jbran99
Mon Apr 13, 2015 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: 401k converting PIMCO Tot Return to Loomis Sayles - advice?
Replies: 13
Views: 1885

Re: 401k converting PIMCO Tot Return to Loomis Sayles - advi

PIMCO Total Return seems to be more ranging, wilder, and expensive. I would rather have this Loomis Sayles fund, at least based on the information I can find. Thanks lack_ey - that perspective is helpful. I think I'll adjust my IPS to allow for a smaller allocation to the LS fund (say ~5%), then tw...
by jbran99
Mon Apr 13, 2015 9:15 am
Forum: Investing - Help with Personal Investments
Topic: 401k converting PIMCO Tot Return to Loomis Sayles - advice?
Replies: 13
Views: 1885

Re: 401k converting PIMCO Tot Return to Loomis Sayles - advi

Self-serving bump - anyone else have any thoughts on the Loomis Sayles Core Plus Fixed Income fund as a replacement for PIMCO Total Return?
by jbran99
Sat Apr 11, 2015 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: 401k converting PIMCO Tot Return to Loomis Sayles - advice?
Replies: 13
Views: 1885

Re: 401k converting PIMCO Tot Return to Loomis Sayles - advi

I might consider doing this, using the Vanguard 2010 fund which is 63% bonds. Even better, if the plan has the Vanguard Target Retirement Income Fund (VTINX) fund, which is 70% bonds (of which some is total international bonds and some is short-term TIPS). No VTINX option, but the 2010 has ~14% sho...
by jbran99
Sat Apr 11, 2015 9:54 am
Forum: Investing - Help with Personal Investments
Topic: 401k converting PIMCO Tot Return to Loomis Sayles - advice?
Replies: 13
Views: 1885

401k converting PIMCO Tot Return to Loomis Sayles - advice?

Hi all, I recently received notice that my 401k plan will be dropping PIMCO's Total Return (PTTRX, .46 ER) and replacing it with Loomis Sayles Core Plus Fixed Income Trust (Class D). Other bond options in my 401k are somewhat limited (details below). As near as I can tell, this is an Institutional f...
by jbran99
Wed Jul 24, 2013 11:13 pm
Forum: Investing - Theory, News & General
Topic: Reformed Broker on market timing
Replies: 4
Views: 902

Re: Reformed Broker on market timing

One doesn't have to be able to call all the tops and bottoms over a ten year period to be profitable. One can be an index fund investor with a buy, hold, rebalance philosophy and make just one market timing call that works spectacularly and be very happy. I agree. The folly is in thinking one can m...
by jbran99
Wed Jul 24, 2013 10:03 am
Forum: Investing - Theory, News & General
Topic: Reformed Broker on market timing
Replies: 4
Views: 902

Reformed Broker on market timing

I know his reputation around here isn't all that great, but The Reformed Broker had a nice post a couple days ago about the absolute dearth of successful market timers: Where have all the cowboys gone? He reviews some research from the 1970s and 1980s that attempted to objectively identify folks who...
by jbran99
Sat Jan 26, 2013 11:02 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio review: A check-up on my progress
Replies: 7
Views: 1698

Re: Portfolio review: A check-up on my progress

I'll be looking into Donor-Advised Funds for my giving, so thanks much for that suggestion!

Do you (or anyone else, for that matter) have any advice on the rest of the questions I listed? (Reallocating the bond funds, multi-tier EF, 529, etc.)? Thanks!
by jbran99
Thu Jan 24, 2013 10:54 am
Forum: Investing - Theory, News & General
Topic: Buffett pulls ahead of Hedge Funds at halfway point of bet
Replies: 17
Views: 3259

Buffett pulls ahead of Hedge Funds at halfway point of bet

Carol Loomis has released the post-2012 update to Warren Buffett's bet with Ted Seides from Protege Partners: http://finance.fortune.cnn.com/2013/01/24/buffett-hedge-fund-bet/?iid=HP_LN Summary: The S&P500 Fund Buffett selected is Vanguard's Admiral shares (VFIAX). According to Loomis, that fund...
by jbran99
Wed Jan 23, 2013 9:28 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio review: A check-up on my progress
Replies: 7
Views: 1698

Re: Portfolio review: A check-up on my progress

nydad wrote:Quick tip: if considering donating appreciated shares, consider giving them to a donor advised fund.
I looked into Vanguard's DAF, but they have a $25k minimum and I'm not quite at that level. Maybe I'll look into Fido/Schwab and see how they might work. Thanks!
by jbran99
Tue Jan 22, 2013 9:37 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio review: A check-up on my progress
Replies: 7
Views: 1698

Re: Portfolio review: A check-up on my progress

self-serving bump (Sat night probably wasn't the best initial post time!)
by jbran99
Sat Jan 19, 2013 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review: A check-up on my progress
Replies: 7
Views: 1698

Re: Portfolio review: A check-up on my progress

I'll be donating the appreciated shares instead of my normal cash-based charitable donations. My charitable contributions for 2013 will be in line with 2012. I actually have slightly more shares than will be donated in 2013, so the process will carry into 2014 as well.
by jbran99
Sat Jan 19, 2013 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review: A check-up on my progress
Replies: 7
Views: 1698

Portfolio review: A check-up on my progress

Hello everyone. Last May I posted a slightly abbreviated portfolio overview with a focus on my wife's new 401k and received some good feedback. That thread can be found here . At that time, I was just starting to implement some of the many things I'd learned from this forum. Since then, I've made go...
by jbran99
Wed Jan 09, 2013 11:43 pm
Forum: Investing - Help with Personal Investments
Topic: Determining Small Cap Tilt
Replies: 10
Views: 1253

Re: Determining Small Cap Tilt

Like you wrote, if you hold 17% Small Cap and 83% S&P 500, you do not have a small cap tilt; you would have a Total Stock Market Approximation. You need to hold more that 17% Small Cap to have a tilt. Here's an example: Assume a $1000 equity portfolio with $170 in Small Cap and $830 S&P 500 ...
by jbran99
Sat Jan 05, 2013 10:46 am
Forum: Investing - Help with Personal Investments
Topic: Yet another portfolio review - married couple filing jointly
Replies: 11
Views: 1644

Re: Yet another portfolio review - married couple filing joi

Thank you very much again. Interesting you make comment about how good is my 401k option. If I am not mistaken, I have optin to move my rollover inside my 401k account. Do you think I should explore that before making any rebalancing? You have been awesome help! Yes, I would. Here's how that might ...
by jbran99
Fri Jan 04, 2013 10:02 pm
Forum: Investing - Help with Personal Investments
Topic: Yet another portfolio review - married couple filing jointly
Replies: 11
Views: 1644

Re: Yet another portfolio review - married couple filing joi

Some 401k plans have very good funds. For example, mine has an S&P500 index with an ER of .03; other folks have access to institutional shares within a 401k that an individual investor doesn't have access to. That's why the recommended format for Asking Portfolio Questions suggests you list the...
by jbran99
Thu Jan 03, 2013 12:04 am
Forum: Investing - Help with Personal Investments
Topic: Yet another portfolio review - married couple filing jointly
Replies: 11
Views: 1644

Re: Yet another portfolio review - married couple filing joi

Choice on 401k is basically wide open. My company allows for brokerage account from 401k. So, I am not restricted to use the funds offered in company's 401k choices. Some 401k plans have very good funds. For example, mine has an S&P500 index with an ER of .03; other folks have access to institu...
by jbran99
Tue Jan 01, 2013 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: Should I rebalance and other questions? Been 1.5 years.
Replies: 10
Views: 1003

Re: Should I reallocate and other questions? Been 1.5 years.

After using Morningstar X-Ray, I noticed only 6% was in small cap and thought adding NAESX would diversify my portfolio further. How much exposure is recommended in small cap? If you own Total Stock Market, you own Small Caps. You also own Mid Caps, Large Caps and everything in between - that's the...
by jbran99
Tue Jan 01, 2013 4:05 pm
Forum: Investing - Help with Personal Investments
Topic: Yet another portfolio review - married couple filing jointly
Replies: 11
Views: 1644

Re: Yet another portfolio review - married couple filing joi

Brokerage Account ( Taxable ) : 17% - invested in USO ETF ( ER 0.45%) - Costco stock ( long term gains ) - amazon stock ( long term gains ) Retirement : Total : 60% Rollover IRA 40% Roth - His 9.5% (100% in BRK.B stock ) Roth - Her 1.5% ( cash ) 401k 9% ( PIMCO Total Return Fund Institutional Class...
by jbran99
Tue Jan 01, 2013 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: Starting off in the stock market
Replies: 19
Views: 1489

Re: Starting off in the stock market

But this is money just sitting in my IRA...could I not use some of it for day trading purposes? Sure you *could* and you easily *could* lose most or all of it. Of course you *could* come out ahead, just like I *could* win the lottery someday. Similarly, you *could* just send your money directly to ...
by jbran99
Tue Jan 01, 2013 2:39 pm
Forum: Investing - Help with Personal Investments
Topic: Should I rebalance and other questions? Been 1.5 years.
Replies: 10
Views: 1003

Re: Should I reallocate and other questions? Been 1.5 years.

Based on your previous posts from Feb 2011, this is a significant improvement! Congratulations! 1. Should I convert part or all of my traditional to Roth? No. Your tax rate makes this unappealing. 2. Do I have the right mix of funds? Should I include REITs to diversify further? 3. Overall I have los...
by jbran99
Tue Jan 01, 2013 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: Starting off in the stock market
Replies: 19
Views: 1489

Re: Starting off in the stock market

I have a few thousand dollars of "play" money. I am tempted to just start buying stocks and selling them the next day if they go up by a few dollars. Is that a good way to start or should I read pages after pages of literature? This is the third time you've posted to this forum about doin...
by jbran99
Tue Jan 01, 2013 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: Yet another portfolio review - married couple filing jointly
Replies: 11
Views: 1644

Re: Yet another portfolio review - married couple filing joi

Welcome to the forum, Skyler! It looks like you started following the suggested format for Asking Portfolio Question , but didn't get through it all the way. In order to get better responses, I would suggest you EDIT your original post to include more detail about your Current Portfolio and include ...
by jbran99
Sun Dec 30, 2012 11:27 am
Forum: Investing - Help with Personal Investments
Topic: 27 - Need help on getting started on the right foot
Replies: 3
Views: 555

Re: 27 - Need help on getting started on the right foot

First off, welcome to the forum and congratulations on putting yourself in a great position to save for your retirement! Your savings rate ($100k - $120k annually) is tremendous! I don't know enough about S Corps to chime in on that question, but I'll take a shot at the others. 2) Besides the yearly...
by jbran99
Sat Dec 29, 2012 1:19 pm
Forum: Investing - Help with Personal Investments
Topic: Still a bit confused about wash sales
Replies: 9
Views: 654

Re: Still a bit confused about wash sales

Blue88 wrote:Question: I sell all shares of an S&P 500 index fund at a gain and invest the entire amount in a Total Stock Mkt Index Fund with another company. Do I care about the wash sale rule with a capital gain or does this just apply to selling at a loss?
It only applies for losses.
by jbran99
Sat Dec 29, 2012 12:50 pm
Forum: Investing - Help with Personal Investments
Topic: Invest more in 401(k) or pay down mortgage?
Replies: 42
Views: 7019

Re: Invest more in 401(k) or pay down mortgage?

Hmmmm. I seem to remember something happening in 2008. Um, let's see. Oh yes, pretty much everyone's equity-based portfolio lost 50% of value in a matter of months. 5 years later, people who stayed in pretty much have broken even. If it took you 5 years to break even, you likely didn't stick to you...
by jbran99
Sat Dec 29, 2012 10:52 am
Forum: Investing - Help with Personal Investments
Topic: Request for Comments on Portfolio Asset Allocations
Replies: 17
Views: 1804

Re: Request for Comments on Portfolio Asset Allocations

In addition to the TSP account, at least one whole IRA and part of the other would need to go to bonds to start with a 50/50 stock:bond ratio. It sounds like you've stablized around a current/initial AA of 50/50. I don't think you've expressed a specific target for US / Int'l stock. Your current Li...
by jbran99
Fri Dec 28, 2012 9:44 pm
Forum: Investing - Help with Personal Investments
Topic: Request for Comments on Portfolio Asset Allocations
Replies: 17
Views: 1804

Re: Request for Comments on Portfolio Asset Allocations

Welcome to the forum! I'm commenting mostly to give you a bump. I'm more of a lurker, not a poster, but I'll try and weigh in... TSP: 325k (100% Lifecycle 2030?) IRA-1: 65k (100% VFINX) IRA-2: 64k (100% VFSTX after conversion) Initial Taxable acct: 357k in 65% Stocks - [85% VTSAX , 15% VTMGX] ; 35% ...
by jbran99
Sun Dec 02, 2012 11:15 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on "substantial similarity" under Wash Sale Rule
Replies: 76
Views: 5028

Re: Advice on "substantial similarity" under Wash Sale Rule

However, if you have a real-life example of two generally available mutual funds that (in your opinion) would fail the wash sale test, I would love to see them. I realize you weren't asking me specifically, but in my opinion (but not one necessarily shared by the IRS or anyone else for that matter)...
by jbran99
Sat May 26, 2012 9:17 am
Forum: Investing - Help with Personal Investments
Topic: New 401k, New Options - Best of the Worst?
Replies: 14
Views: 1077

Re: New 401k, New Options - Best of the Worst?

Congratulations on jbran99Jr. We've got our first on the way in July. Thanks much - I'm sure it's going to be a wild ride! You currently seem to be well under your target 20% bond allocation. I absolutely am, but that will be remedied in the next 6-12 months as I better allocate His Roth IRA away f...
by jbran99
Sat May 26, 2012 9:08 am
Forum: Investing - Help with Personal Investments
Topic: New 401k, New Options - Best of the Worst?
Replies: 14
Views: 1077

Re: New 401k, New Options - Best of the Worst?

Yeah, we need to know what's in your 401k. The TR fund complicates the issue. How so? No matter what I have in His 401k, would you really consider anything from Her 401k beside S&P500 or S&P500 + S&P400? Once I make that decision, I can use the Roth IRA(s) to get to appropriate market w...
by jbran99
Fri May 25, 2012 2:53 pm
Forum: Investing - Help with Personal Investments
Topic: New 401k, New Options - Best of the Worst?
Replies: 14
Views: 1077

Re: New 401k, New Options - Best of the Worst?

I'd go with the Large Cap and Mid-Cap funds in market weight, and try to pick up Small in your other accounts. Be a bit of a headache to rebalance, but close enough is good enough. I was thinking along the same lines. Therefore, I thought rebalancing might be easier if I did 100% in the LargeCap in...
by jbran99
Fri May 25, 2012 10:19 am
Forum: Investing - Help with Personal Investments
Topic: New 401k, New Options - Best of the Worst?
Replies: 14
Views: 1077

Re: New 401k, New Options - Best of the Worst?

Ages: 33/29 (first kid on the way in late Aug) Is wife quitting employment in August? If so, do a rollover of her 401k to an IRA at Vanguard at that time. She enjoys working and it's a good company, so the current plan is to stay there for many years. She expects to go back after maternity leave; t...
by jbran99
Thu May 24, 2012 10:33 pm
Forum: Investing - Help with Personal Investments
Topic: New 401k, New Options - Best of the Worst?
Replies: 14
Views: 1077

New 401k, New Options - Best of the Worst?

Hi all. I've been lurking for a number of months and I've appreciated all I've learned on the forums and Wiki. I expected my first post to be a portfolio analysis in a few months, after I make more progress on simplifying my portfolio (based on what I've already learned), but my wife recently found ...

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