Search found 92 matches

by lazylarry
Tue Jan 17, 2017 11:44 pm
Forum: Investing - Help with Personal Investments
Topic: newly acquired portfolio feedback
Replies: 17
Views: 1368

Re: newly acquired portfolio feedback

Really, livesoft? I thought this was kinda debatable depending on your timeframe to retirement, tax bracket, etc. What makes Wellington particularly bad - I wasn't able to find it on Vanguard's website? Yes, really. Yes, it is true it depends on your tax bracket, but right there at Vanguard.com und...
by lazylarry
Tue Jan 17, 2017 10:49 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio help-rebalancing advice needed
Replies: 4
Views: 296

Re: Portfolio help-rebalancing advice needed

My understanding is that the modest additional gains one gets from a slice and dice portfolio over a 3-5 fund portfolio makes a difference over a long period of time, 20+ years. If you are not going to be holding these positions that long I would simplify along the lines you suggested. I wouldn't h...
by lazylarry
Tue Jan 17, 2017 10:43 pm
Forum: Investing - Help with Personal Investments
Topic: Check up and contribution/portfolio advice
Replies: 6
Views: 426

Re: Check up and contribution/portfolio advice

$18k + $7.5k match - his pre-tax 401k (current) $15k - his post-tax, non-Roth 401k (haven't started yet and any post-tax contributions must be in the same funds as pre-tax) Hmmm this is interesting, I thought you could only contribute 18k to a 401ks in total, are you sure about this? Nice match by ...
by lazylarry
Tue Jan 17, 2017 10:29 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio help-rebalancing advice needed
Replies: 4
Views: 296

Re: Portfolio help-rebalancing advice needed

My thought now is to sell the FTSE small cap in my roth and convert it to the REIT. In my IRA I’d sell the small cap and convert it to the bond fund. At less than 3% of my portfolio each I don’t think these are worth keeping. This would get me to approximately the right allocation. Going forward I’...
by lazylarry
Tue Jan 17, 2017 10:20 pm
Forum: Investing - Help with Personal Investments
Topic: newly acquired portfolio feedback
Replies: 17
Views: 1368

Re: newly acquired portfolio feedback

desired AA : 95% stock 5% bond I'll be one to say I think this is fine at your age. As long as you change this allocation closer to retirement, I'd probably do the same thing as you. Even at retirement (e.g. 25 yrs), being like 40-60 equities:bonds is ok. Then again, 80-20 is probably not a big dea...
by lazylarry
Sat Jan 14, 2017 5:18 pm
Forum: Investing - Help with Personal Investments
Topic: 65k Cash. 25 y/o. Best place to put this?
Replies: 25
Views: 1588

Re: 65k Cash. 25 y/o. Best place to put this?

Have you been accepted to medical school? It sounds like you haven't even been accepted yet, and you're thinking about buying a house? I would argue that no medical student should buy a house, let alone a resident. You're entering a period of your life where you might be moving multiple times in a ...
by lazylarry
Sat Jan 14, 2017 1:41 pm
Forum: Investing - Help with Personal Investments
Topic: 65k Cash. 25 y/o. Best place to put this?
Replies: 25
Views: 1588

Re: 65k Cash. 25 y/o. Best place to put this?

Have you been accepted to medical school? It sounds like you haven't even been accepted yet, and you're thinking about buying a house? I would argue that no medical student should buy a house, let alone a resident. You're entering a period of your life where you might be moving multiple times in a ...
by lazylarry
Sat Jan 14, 2017 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: 403b contributions - Roth vs. Traditional
Replies: 22
Views: 767

Re: 403b contributions - Roth vs. Traditional

+1 mcraepat Yes I think traditional will be better for you unless there is some other large retirement stream that will increase your effective tax rate. You could search the forum for discussions of this. Pretend you current tax rate is 28%. The primary thing is that your current traditional contr...
by lazylarry
Fri Jan 13, 2017 10:15 pm
Forum: Investing - Help with Personal Investments
Topic: 65k Cash. 25 y/o. Best place to put this?
Replies: 25
Views: 1588

Re: 65k Cash. 25 y/o. Best place to put this?

I'm not sure if you're planning to work in the next 2 yrs,but if you are, I'd squirrel away 11k for the Roth IRA those two years. Though student loans are high, your tax rate is likely so low now that this will be a magical investment. Apart from that, I'd set up a 2 yr CD with money you don't reall...
by lazylarry
Fri Jan 13, 2017 10:01 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice for 30 yr old freelancer w/ $87K in savings
Replies: 6
Views: 437

Re: Portfolio advice for 30 yr old freelancer w/ $87K in savings

1. Did I overcomplicate my rollover IRA by purchasing three international index funds? Should I simplify things by selling and purchasing all VTIAX instead? 2. Should I invest the entire $87K? (I don’t plan on any big purchase in the next 5 years. But should I keep more cash in the high-yield savin...
by lazylarry
Fri Jan 13, 2017 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: Please help build my case to increase 401k contribution limits
Replies: 15
Views: 1410

Re: Please help build my case to increase 401k contribution limits

How big is your company? Regardless, I wonder if you could look at why the other companies moved away from the limits for non-HCE. What made it financially advantageous for this? Was it the tax deduction or attracting "better" employees which increased productivity? I think that's the way ...
by lazylarry
Fri Jan 13, 2017 9:36 pm
Forum: Investing - Help with Personal Investments
Topic: thoughts about financial advisors comments regarding roth 401k
Replies: 30
Views: 3185

Re: thoughts about financial advisors comments regarding roth 401k

So many opinions. Honestly, this is a academic discussion more than anything, since I will be contributing likely only <40k total to the Roth 401k. I'm not going to contribute to roth 401k when income >80k. Still quite fun to debate :). This one is about case against roth 401k https://thefinancebuff...
by lazylarry
Thu Jan 12, 2017 9:32 pm
Forum: Investing - Help with Personal Investments
Topic: 403b contributions - Roth vs. Traditional
Replies: 22
Views: 767

Re: 403b contributions - Roth vs. Traditional

+1 mcraepat Yes I think traditional will be better for you unless there is some other large retirement stream that will increase your effective tax rate. You could search the forum for discussions of this. Pretend you current tax rate is 28%. The primary thing is that your current traditional contri...
by lazylarry
Thu Jan 12, 2017 9:19 pm
Forum: Investing - Help with Personal Investments
Topic: Investing Retired Parent's IRA--Emotions vs Logic?
Replies: 13
Views: 963

Re: Investing Retired Parent's IRA--Emotions vs Logic?

As a previous poster mentioned,we could give better advice if you were able to post in format that is in sticky on the blog. Would you divide the 2 IRAs and some portion of the cash ($150k?) equally between the 3-funds (VTSMX, VGTSX,VBMFX) ? Why put in the 3 funds instead of VTXVX? Bond funds typica...
by lazylarry
Thu Jan 12, 2017 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: Help building a Permanent Portfolio
Replies: 2
Views: 448

Re: Help building a Permanent Portfolio

In general: As this forum typically has US investors, you might be able to get better advice on an international forum. I only know things based on US tax system, etc. and this is from a US boglehead perspective. I'd read the boglehead guide to investing as well. 35% IHCB.AX – iShares Global Corpora...
by lazylarry
Thu Jan 12, 2017 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: Young Investor, small windfall
Replies: 12
Views: 1730

Re: Young Investor, small windfall

Is your emergency fund your cash savings? *FID 500 INDEX INST (FXSIX) - Large Cap - 0.035% *FID EXT MKT IDX PR (FSEVX) - Mid-Cap - 0.07% *VANG SM CAP IDX INST (VSCIX) - Small Cap - 0.07% You have three options with goood ERs that cover the US market. You can use: https://www.bogleheads.org/wiki/Appr...
by lazylarry
Thu Jan 12, 2017 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: Investing Retired Parent's IRA--Emotions vs Logic?
Replies: 13
Views: 963

Re: Investing Retired Parent's IRA--Emotions vs Logic?

I'm assuming you've read boglehead books. But there is reason you're posting this, and I think you know the answer. They are taking 1.25% per year which is massive if you consider compounding. Despite the emotional connection, you should cut ties with Fisher. They will likely do no better in the sto...
by lazylarry
Thu Jan 12, 2017 5:41 pm
Forum: Investing - Help with Personal Investments
Topic: thoughts about financial advisors comments regarding roth 401k
Replies: 30
Views: 3185

Re: thoughts about financial advisors comments regarding roth 401k

Thank you all!! Appreciate your help. Sounds like the future is just uncertain and the advisor guy just wants to make money. Some things never change... But I will plan on funding the Roth 401k partially and the regular 401k as well. Account diversity never hurts.
by lazylarry
Wed Jan 11, 2017 11:18 pm
Forum: Investing - Help with Personal Investments
Topic: thoughts about financial advisors comments regarding roth 401k
Replies: 30
Views: 3185

thoughts about financial advisors comments regarding roth 401k

So I know this has been discussed quite a lot but wanted to get your thoughts. There is a financial adviser I have access to (as a medical resident) for free who doesn't have any control or ability to control my retirement assets now. He was trying to explain to me that contributing to a Roth 401k n...
by lazylarry
Tue Jan 10, 2017 9:35 pm
Forum: Investing - Help with Personal Investments
Topic: Pros and cons of having a 3 fund portfolio at Schwab and another at Vanguard?
Replies: 26
Views: 2652

Re: Pros and cons of having a 3 fund portfolio at Schwab and another at Vanguard?

One practical consideration is that for TLH purposes, having two different accounts (e.g. Vanguard and Fidelity) allows you commission-free trades with different large index funds that likely won't match exactly, allowing for TLH. This wouldn't be possible with just one broker. Of course, this only ...
by lazylarry
Tue Jan 10, 2017 9:14 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie in need of help with portfolio
Replies: 6
Views: 689

Re: Newbie in need of help with portfolio

+1 to Ducky and others. 529 would probably make sense given you have maxed out other retirement accounts. Would read up on it though and also be careful to not overcontribute.
by lazylarry
Sat Jan 07, 2017 3:15 pm
Forum: Investing - Help with Personal Investments
Topic: Help with retiremet accounts
Replies: 10
Views: 1194

Re: Help with retiremet accounts

Forgot to ask you for your tax bracket (might edit post using sticky that is first forum post) - I assuming you are less than 28% given you report that still can still make Roth IRA contributions. Regarding kids, consider 529 given you are maxing other tax-advantaged accounts. In the future, if you ...
by lazylarry
Sat Jan 07, 2017 2:30 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Advice - 37yo with first child on the way
Replies: 7
Views: 1051

Re: Investment Advice - 37yo with first child on the way

In your (and others) view, what is the optimal expense target at the overall portfolio level – in the low teens (bp)? Optimally zero, but I would say the teens or even lower, which is achievable with Vanguard funds. Low 20s BP is not bad if there are no other stock options available in 401k. As suc...
by lazylarry
Sat Jan 07, 2017 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable company choice to allow TLH?
Replies: 43
Views: 1900

Re: Taxable company choice to allow TLH?

Thoughts? Essentially I would be converting VGTSX and/or VTSMX from taxable account to Fidelity Roth IRA with FSGUX and FSTVX and FBIDX (Fido TBM), respectively, every January and, if there were losses, harvesting these losses for tax purposes in that tax year. Seems safe assuming I continue to hol...
by lazylarry
Sat Jan 07, 2017 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: 401k - allocation of earnings with Roth and non-Roth contributions
Replies: 1
Views: 120

Re: 401k - allocation of earnings with Roth and non-Roth contributions

My question is, do I really have $21k in Roth dollars and $15k + $18k in pre-tax dollars? Yes you do. Be aware that your actual contribution to Roth 401k was higher as this was after tax. E.g. you used 18k pretax dollars in the 401k, and if you distributed entire account right away, you would be at...
by lazylarry
Sat Jan 07, 2017 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: taxable rebalance questions
Replies: 5
Views: 272

Re: taxable rebalance questions

No. You just need to wait 1-2 days and then the Vanguard funds will start using specID rather than FIFO. It just takes Vanguard a few days to actually make those changes to your account so that you can see them. Wait 1-2 days after what, the sell/exchange transaction? If that's what you mean, then ...
by lazylarry
Sat Jan 07, 2017 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on selling two emergency funds
Replies: 5
Views: 601

Re: Advice on selling two emergency funds

Thanks. Understand my Emergency Funds are not readily available. That is what I am trying to accomplish now. I plan to move one of the TIAA funds to cash, and use the other for a CD ladder. Are the CD's offered by Vanguard a viable choice? Thanks again, Ok, I'm assuming your "emergency funds&q...
by lazylarry
Sat Jan 07, 2017 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: taxable rebalance questions
Replies: 5
Views: 272

Re: taxable rebalance questions

From the stock overview on Vanguard: All investments are subject to risk, including the possible loss of the money you invest. Although the income from a municipal bond fund is exempt from federal tax, you may owe taxes on any capital gains realized through the fund's trading or through your own red...
by lazylarry
Sat Jan 07, 2017 12:26 pm
Forum: Investing - Help with Personal Investments
Topic: Monitoring returns
Replies: 2
Views: 280

Re: Monitoring returns

1) The broker shows a profit and loss statement eg 7% - does this account for all the costs included eg fx spread, commission etc? They do show all the transactions involved when I look at the transactions page but I am not sure how I can ensure that the return after all the costs is in line with w...
by lazylarry
Fri Jan 06, 2017 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on selling two emergency funds
Replies: 5
Views: 601

Re: Advice on selling two emergency funds

I'm a bit confused. Where are these "emergency" funds? In taxable, roth or other? Also I wouldn't really call them part of your emergency fund if they're invested in stocks/bonds. If you had money in CDs or CD ladder then that would make more sense. My inclination would be to (a) make sure...
by lazylarry
Fri Jan 06, 2017 6:20 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds in taxable accounts
Replies: 5
Views: 743

Re: Bonds in taxable accounts

This is a debatable question. Bonds are generally better in tax-advantaged accounts, but if it's an account like a Roth IRA, then surprisingly stocks can be better, depending on your tax bracket. I don't think you should go with 100% stock allocation as this makes rebalancing difficult if you need t...
by lazylarry
Fri Jan 06, 2017 6:14 pm
Forum: Investing - Help with Personal Investments
Topic: Company offering Roth 401k for first time. Change to it?
Replies: 13
Views: 1244

Re: Company offering Roth 401k for first time. Change to it?

I’d expect us to be in the 15% bracket in retirement. Based on this (if you have done it based on your expected 401k size), you would keep contribute to the t401k, as the Roth would tax you more heavily now. Also you would lose $900 of potential investable income. So that makes t401k the better opt...
by lazylarry
Fri Jan 06, 2017 6:10 pm
Forum: Investing - Help with Personal Investments
Topic: Investing excess cash?
Replies: 3
Views: 471

Re: Investing excess cash?

If you have an emergency fund, then yes, that is a perfectly good idea.
by lazylarry
Fri Jan 06, 2017 6:06 pm
Forum: Investing - Help with Personal Investments
Topic: Help me decide please
Replies: 4
Views: 468

Re: Help me decide please

1. Should I sell the whole thing, take the losses and reinvest in VTI? 2. Should I sell just the ones that have a profit or very low losses now and sell others as I make up some ground? 1. Yes 2. No. You can just sell everything. I would utilize something similar to tax loss harvesting (except you'...
by lazylarry
Fri Jan 06, 2017 5:41 pm
Forum: Investing - Help with Personal Investments
Topic: Help with retiremet accounts
Replies: 10
Views: 1194

Re: Help with retiremet accounts

Congrats on retiring soon. Would you be able to give us a total percentage and then subdivided on how much you have in Taxable vs Pension, vs 457 etc. Or give us equivalent estimates. This impacts rebalancing. To briefly answer: To get rid of fees, you could go target funds if it's easier, but three...
by lazylarry
Thu Jan 05, 2017 10:43 pm
Forum: Investing - Help with Personal Investments
Topic: J.P. Morgan Asset Management
Replies: 2
Views: 339

Re: J.P. Morgan Asset Management

Hello, Ive been referencing this board for some time now and its really help me get my financial house in order. So now heres a question, when I was 16 my father opened a ROTH IRA for me and placed himself as the custodian. Over the years I had pretty much forgot about it, but earlier this year he ...
by lazylarry
Thu Jan 05, 2017 10:36 pm
Forum: Investing - Help with Personal Investments
Topic: New 401(k) setup: Profit sharing and fund selection
Replies: 6
Views: 347

Re: New 401(k) setup: Profit sharing and fund selection

Hi Bogleheads - My first post! I'm setting up a 401(k) for a 4-physician group, who may hire an additional 0.5 FTE person later this year. We've set up a Safe Harbor plan with match (100% of 3%, 50% of next 2%) and I've picked some investments, preliminarily. We're working with Employee Fiduciary. ...
by lazylarry
Wed Jan 04, 2017 11:11 pm
Forum: Investing - Help with Personal Investments
Topic: Help with portfolio (first-time poster)
Replies: 9
Views: 841

Re: Help with portfolio (first-time poster)

For the past few years, my wife and I have adopted a permanent portfolio approach for our investment needs. I've been happy with the returns we've gotten but have become a little uncomfortable holding so much cash and gold for the next 40+ years until our retirements. I'm looking now to shift towar...
by lazylarry
Wed Jan 04, 2017 10:58 pm
Forum: Investing - Help with Personal Investments
Topic: Investing // advice needed - CD or something else?
Replies: 6
Views: 611

Re: Investing // advice needed - CD or something else?

Yes you could consider CD ladder also if you're not 100% sure if you'll need money after 5 yrs. Also consider I bonds.
by lazylarry
Wed Jan 04, 2017 10:56 pm
Forum: Investing - Help with Personal Investments
Topic: New investor, questions re:establishing portfolio
Replies: 4
Views: 315

Re: New investor, questions re:establishing portfolio

Welcome to the forum, you're doing a great job saving! 1. After starting my first job during the summer of 2015, I maxed out my Roth IRA contributions in 2015 and 2016 (and will in 2017). Despite this, I unfortunately had a severe case of analysis paralysis and did not invest any of the money, but j...
by lazylarry
Wed Jan 04, 2017 10:36 pm
Forum: Investing - Help with Personal Investments
Topic: Does taxable investing seem sensible right now? 21 y/o college student
Replies: 15
Views: 1012

Re: Does taxable investing seem sensible right now? 21 y/o college student

1) My one and only question at this point is would selling consumer staples (to add to the 500 Index) and adding $6,000 to the S&P 500 fund in my taxable (from my savings), to reach the $10k min. for Admiral shares seem reasonable? Sure. Why do you want the S&P fund? I think there are posts...
by lazylarry
Wed Jan 04, 2017 10:23 pm
Forum: Investing - Help with Personal Investments
Topic: Pulling from taxable account to fund Roth IRA
Replies: 4
Views: 706

Re: Pulling from taxable account to fund Roth IRA

Meaning..we funded both 2015 Roth accounts fully at once in the beginning of 2016 and have done it like that for 2013 and 2014. Missing a year of tax free dividends and compounding! Invest earlier. One other pertinent piece of knowledge is I am in the middle of liquidating my accounts with a financ...
by lazylarry
Wed Jan 04, 2017 10:09 pm
Forum: Investing - Help with Personal Investments
Topic: Help! No more VTSMX, which of these 4 funds should I choose now?
Replies: 14
Views: 1648

Re: Help! No more VTSMX, which of these 4 funds should I choose now?

So
81% Vanguard 500 Index Fund (VFINX) - (which is VINIX).
19% Vanguard Extended Market Index Fund (VEXMX)

I thought VINIX would be the best option but I worry since VTSMX was only $56.97 and VINIX is a lot more.


The actual price doesn't matter. Would google this to better understand it.
by lazylarry
Wed Jan 04, 2017 7:47 pm
Forum: Investing - Help with Personal Investments
Topic: seeking portfolio advice
Replies: 5
Views: 504

Re: seeking portfolio advice

Actually, I don't have any positions in taxable accounts with un-realized losses, except RMBS and one small lot of VEU with like a $500 loss. Tough life, only having gains :) I think you're confusing the limit on contributions. There is no limit on conversions, AKAIK (I'm in deep doo-doo if there i...
by lazylarry
Wed Jan 04, 2017 7:19 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard And Yearly IRA Contributions
Replies: 7
Views: 504

Re: Vanguard And Yearly IRA Contributions

...because you can't (legally).


It won't, I had a Roth at Fidelity and contributed some and Vanguard still indicated that I could contribute further. Yes you should make sure you did not already contribute for 2016.
by lazylarry
Wed Jan 04, 2017 7:16 pm
Forum: Investing - Help with Personal Investments
Topic: Best index fund that covers global stocks? [Euro investor]
Replies: 16
Views: 1390

Re: Best index fund that covers global stocks?

One quick question regarding transaction fees - do we also have to pay them whenever we want to sell or buy part of our fund?


Yes you do. However, if you have an account at Vanguard, this should be free.
by lazylarry
Wed Jan 04, 2017 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: New 401k allocation
Replies: 2
Views: 251

Re: New 401k allocation

yes ABLAX or OGEAX would be good, given low ERs. OGEAX tracks S&P. I think arguments could be made either way for ABLAX or OGEAX but perhaps easiest to use some combination and also have a domestic allocation in taxable where you can TLH. I think you could put international in taxable where they...
by lazylarry
Wed Jan 04, 2017 6:32 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Investments and Portfolio
Replies: 2
Views: 384

Re: Help with Investments and Portfolio

Emergency funds: I maintain balances of $5000 to $10000 per month for expenses in my checking and savings accounts. If I had an emergency, I would go into the Roth IRA. I would keep a true emergency fund. Desired International Asset Allocation, open to suggestions. 20-30% is usually recommended. Th...
by lazylarry
Wed Jan 04, 2017 5:51 pm
Forum: Investing - Help with Personal Investments
Topic: seeking portfolio advice
Replies: 5
Views: 504

Re: seeking portfolio advice

I thought the 4% was fairly universally considered too optimisitic for modern times. Anyhow, I can do fine with 3%, so seems like a good way to be safer and more conservative. Not as far as I know, but I could be wrong. But sounds like 3% is fine. https://www.bogleheads.org/wiki/Safe_withdrawal_rat...
by lazylarry
Tue Jan 03, 2017 10:56 pm
Forum: Investing - Help with Personal Investments
Topic: Investing help
Replies: 9
Views: 633

Re: Investing help

Since we do not have employer sponsored 401(k) offered by employer, I would like to invest an equivalent amount($1100/- per month) in a taxable account (preferably vanguard) i.e. brokerage account. Can someone please advise if its advisable to invest (long term) in Mutual Funds or ETFs with respect...

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