Search found 5 matches

by koldude
Wed Apr 19, 2017 11:47 pm
Forum: Investing - Help with Personal Investments
Topic: 3-Fund Portfolio Asset Location Help
Replies: 2
Views: 459

3-Fund Portfolio Asset Location Help

It's been a while since I've posted here, but my situation has changed and I see lots of conflicting information regarding asset location strategy, specifically with regard to the Vanguard 3-fund portfolio, often championed by Bogleheaders. Below is my current situation: Emergency Funds: 10K in a sa...
by koldude
Tue Mar 22, 2016 10:33 am
Forum: Investing - Help with Personal Investments
Topic: I generally invest in Roth accounts, but should I invest in a Traditional IRA?
Replies: 57
Views: 3695

Re: I generally invest in Roth accounts, but should I invest in a Traditional IRA?

Just curious; (kinda not related the topic of the OP), but you mentioned you're getting 5% interest on a savings account. Can I ask where/how? The best rate I'm able to find for any sort of savings account that's FDIC insured is 1.25% at online banks (I get 1% on my own account from Ally). Sorry if ...
by koldude
Tue Mar 22, 2016 10:27 am
Forum: Investing - Help with Personal Investments
Topic: Opening a new SIMPLE IRA and taxable account for the first time
Replies: 7
Views: 810

Re: Opening a new SIMPLE IRA and taxable account for the first time

Ok, Thanks for all the feedback everyone. Here's my plan: 1. Open Fidelity SIMPLE IRA account and buy 50% FSTMX (Spartan Total Market Index Fund) and 50% FSIIX (Spartan International Index Fund), and let that sit for a couple of years (maybe 20). 2. Buy VTSAX in Vanguard Taxable (plan to invest 10K ...
by koldude
Sun Mar 20, 2016 11:53 pm
Forum: Investing - Help with Personal Investments
Topic: Opening a new SIMPLE IRA and taxable account for the first time
Replies: 7
Views: 810

Re: Opening a new SIMPLE IRA and taxable account for the first time

@In_reality: Thanks for your feedback. I agree that the contribution amount is most important; this is the first year that my employer started offering this plan, so I definitely want to take full advantage of the maximum contribution limit as well as my employer match. I was mainly wondering whethe...
by koldude
Sun Mar 20, 2016 1:16 am
Forum: Investing - Help with Personal Investments
Topic: Opening a new SIMPLE IRA and taxable account for the first time
Replies: 7
Views: 810

Opening a new SIMPLE IRA and taxable account for the first time

Emergency funds: Have 3 months of income saved in High Yield Savings Account (Ally Bank) Debt: Debt-free! Tax Filing Status: Single Tax Rate: 25% Federal, 4.75% State State of Residence: MD Age: 24 Desired Asset allocation: 80% stocks / 20% bonds Desired International allocation: ??% of stocks (Not ...

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