Search found 16 matches

by ks1773
Tue Sep 26, 2017 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: 56 years old, retired, need help selecting vanguard investment fund
Replies: 16
Views: 2158

Re: 56 years old, retired, need help selecting vanguard investment fund

I have spoken to my mom and she is okay with placing 100k into a ~70% bond and 30% stock account. I looked at Vanguard Wellesley Income Fund Investor Shares (it's 35% stock with 65% bond), but when I googled online for more information, they said it's not as good for a taxable account. My next quest...
by ks1773
Tue Sep 26, 2017 3:15 pm
Forum: Investing - Help with Personal Investments
Topic: 56 years old, retired, need help selecting vanguard investment fund
Replies: 16
Views: 2158

Re: 56 years old, retired, need help selecting vanguard investment fund

Thanks for all the replies! Here's a little more information. My mom has a total of ~250k liquid cash (50k is emergency fund which will stay in Ally's saving account) and ~60k in tax deferred 401k account. She has a house that's worth about 600k in value which she rents out for 2800/month. She lives...
by ks1773
Tue Sep 26, 2017 10:31 am
Forum: Investing - Help with Personal Investments
Topic: 56 years old, retired, need help selecting vanguard investment fund
Replies: 16
Views: 2158

56 years old, retired, need help selecting vanguard investment fund

Hello, newbie here! I am helping my 56 yr old mom with retirement. She has about 200k liquid cash right now with 140k tied up in Ally CD ladder. She wants to put them in a low risk fund in vanguard to gain better interest. I was wondering which fund to invest in for her is the best? All the money is...
by ks1773
Mon Jan 12, 2015 7:17 pm
Forum: Investing - Help with Personal Investments
Topic: Mom's retirement
Replies: 15
Views: 1570

Re: Mom's retirement

Thank you so much for your reply. If she were to sell her house, she could get 250k tax exempted (single) and the rest would have to be taxed. So realistically, she would probably net 410k (to be safe). Where would you put 560k (410k +150k) at this point? I am estimating her life expectancy to be 93...
by ks1773
Mon Jan 12, 2015 5:33 pm
Forum: Investing - Help with Personal Investments
Topic: Mom's retirement
Replies: 15
Views: 1570

Re: Mom's retirement

Thank you guys for the help and sorry for not explaining the situation clearly. My mom has to retire this year (5/2015) at age 53 to help take care of grandparents at another country. This is something that we did not plan. My sister and I are trying to see what is the best approach to assist her fi...
by ks1773
Mon Jan 12, 2015 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: Mom's retirement
Replies: 15
Views: 1570

Re: Mom's retirement

Thank you for your reply.

What about mutual funds?
by ks1773
Mon Jan 12, 2015 4:22 pm
Forum: Investing - Help with Personal Investments
Topic: Mom's retirement
Replies: 15
Views: 1570

Mom's retirement

Hello, My mom is currently in a predicament where she is retiring at the age of 53 with 60k in her traditional IRA (which she's not going to withdrawal until ~10-15 years later) and 150k in capital 360 saving. Asset wise, she has a fully paid off house worth ~500k where she is renting out for 1,900k...
by ks1773
Tue Jan 06, 2015 10:42 am
Forum: Investing - Help with Personal Investments
Topic: Pension - Roth TSP vs Traditional TSP
Replies: 10
Views: 1388

Re: Pension - Roth TSP vs Traditional TSP

That's a good question, I am struggling with the best answer for that, I am in a similar situation with a slightly bigger pension. Some of the things I have found say if you can max out the roth version then to go that route since you will most likely be in the same tax bracket. There are fewer ded...
by ks1773
Tue Jan 06, 2015 12:34 am
Forum: Investing - Help with Personal Investments
Topic: Pension - Roth TSP vs Traditional TSP
Replies: 10
Views: 1388

Re: Pension - Roth TSP vs Traditional TSP

baw703916 wrote:Which retirement plan are you on, CSRS or FERS?


I am on the FERS retirement plan
by ks1773
Tue Jan 06, 2015 12:01 am
Forum: Investing - Help with Personal Investments
Topic: Pension - Roth TSP vs Traditional TSP
Replies: 10
Views: 1388

Pension - Roth TSP vs Traditional TSP

Hello! I have been contributing the max for my traditional TSP (17.5k) which brings down my federal tax from 28% to 25%; however, recently, I realized that social security can be taxed per SSA's website (m). I currently have a pension plan through work which will give me 33% of the average income of...
by ks1773
Wed Aug 21, 2013 12:37 am
Forum: Investing - Help with Personal Investments
Topic: 53 year old with retirement plan. help please!
Replies: 4
Views: 756

53 year old with retirement plan. help please!

Hello, I am posting for my mother; she single-handedly raised my sister and I and because of this she was never able to save for retirement. However, she wants to start now. She recently came into some money: $150k and she wants to see what she can do to maximize it for retirement. so any help would...
by ks1773
Fri Dec 28, 2012 5:26 pm
Forum: Investing - Help with Personal Investments
Topic: Not maxing TSP (401k) but putting some in ROTH IRA?
Replies: 15
Views: 6047

Re: Not maxing TSP (401k) but putting some in ROTH IRA?

If it was me, I would put $5000/yr into the Roth IRA so that you have access to asset classes that are not available in TSP (TIPS, Value tilt, REIT, Emerging Markets, International Small). If you are comfortable with S&P 500 (C), Completion Index (S), and Developed Markets (I) plus G and F Fund...
by ks1773
Fri Dec 28, 2012 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: Not maxing TSP (401k) but putting some in ROTH IRA?
Replies: 15
Views: 6047

Re: Not maxing TSP (401k) but putting some in ROTH IRA?

Should I contribute about 12500 to my TSP and max ROTH IRA at 5000 ? or should I put the full 17500 in my TSP ? These two are not equivalent. You would be saving more in the first case. by not equivalent, you mean because ROTH IRA is post-tax right? Yea I do realize that. The TSP is now also availa...
by ks1773
Fri Dec 28, 2012 3:35 pm
Forum: Investing - Help with Personal Investments
Topic: Not maxing TSP (401k) but putting some in ROTH IRA?
Replies: 15
Views: 6047

Not maxing TSP (401k) but putting some in ROTH IRA?

Hello, I have a quick question regarding TSP (401k gov) + Roth IRA. Should I contribute about 12500 to my Trad TSP and max ROTH IRA at 5000 ? or should I put the full 17500 in my TSP ? contributing 12500 would ensure that I am in the lower tax bracket (25%) and no matter how much I contribute I woul...
by ks1773
Sun Aug 19, 2012 8:28 am
Forum: Investing - Help with Personal Investments
Topic: 23 year old, need financial advisement
Replies: 4
Views: 914

23 year old, need financial advisement

Hello, I have been working for about a year now and have decided to become serious with my finances. I have read several posts in this forum and also The Boglehead’s Guide to Investing , but I definitely still feel like a “newb” to the investing world. I have listed the details of my current state b...