Search found 323 matches

by lazylarry
Fri Jul 14, 2017 8:27 am
Forum: Local Chapters and Bogleheads Community
Topic: [Virtual online chapter - Master thread]
Replies: 48
Views: 4865

Re: [Virtual online chapter - Master thread]

Our next meeting will be on July 26th at 8pm EST , with the topic of asset allocation. If you are interested in joining the meeting, please email me at virtualbogleheads@gmail.com. If you have already contacted me, you should have received an email and please let me know if there were any issues. Ho...
by lazylarry
Thu Jul 06, 2017 6:06 pm
Forum: Investing - Help with Personal Investments
Topic: Where else to invest?
Replies: 13
Views: 1092

Re: Where else to invest?

Few thoughts -what's the interest rate on mortgage? If higher (like >4%) then would consider paying off first, or you could invest if <4%. -Yes you probably should just max out that contribution rate to your tax-advantaged accounts -You/husband can also contribute to Roth IRA based on the monthly in...
by lazylarry
Thu Jul 06, 2017 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: Why Doesn't My 401(k) Pay Dividends?
Replies: 33
Views: 3003

Re: Why Doesn't My 401(k) Pay Dividends?

One point to consider is that payment of dividend (and you manually reinvesting) is equivalent to not having a dividend at all. Payment of dividend by investment will result in appropriate reduction of the share price. So as long as the money is in a 401k where you are deciding the asset allocation,...
by lazylarry
Wed Jul 05, 2017 8:34 pm
Forum: Investing - Help with Personal Investments
Topic: Keep Intl. Stock AA in IRA or Avoid 403b bond fund ER?
Replies: 3
Views: 241

Re: Keep Intl. Stock AA in IRA or Avoid 403b bond fund ER?

Well what a fantastic match by your company. That is great. I'm a little confused by your explanation: -how does giving $500 to your Roth bring VTSMX down to $3000? According to your percentages, you have 0.13*33k in VTSMX which is ~4.5k. Why does this happen in 3 months, are you rebalancing? And ho...
by lazylarry
Wed Jun 28, 2017 10:51 pm
Forum: Investing - Help with Personal Investments
Topic: Age 29, No Debt, 137,000+
Replies: 3
Views: 849

Re: Age 29, No Debt, 137,000+

**Would be careful stating your income range. I thought you were <15% tax bracket but your last statement clearly indicated you will not be! What is your projected tax bracket? Income is based on calender year - e.g. all of 2017. 1. Consider Roth conversion of 401k (after rolling it over to IRA) sin...
by lazylarry
Sat Jun 24, 2017 1:40 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Virtual online chapter - Master thread]
Replies: 48
Views: 4865

Re: Online group meetings via web conference? [Virtual online chapter]

Hi all, Thank you for the interest and we did have a nice first meeting with five participants, with many others expressing interest but unable to make it! We introduced our level of knowledge of financial knowledge and also topics for future meetings. We will try to make meetings on Wednesdays at 8...
by lazylarry
Wed Jun 14, 2017 5:47 pm
Forum: Investing - Help with Personal Investments
Topic: 66 and perplexed, hoping for some advice!
Replies: 19
Views: 2668

Re: 66 and perplexed, hoping for some advice!

Is there a retirement calculator that does Monte Carlo analyses but based on different asset allocations and a variable withdrawal amount? I feel like that might be helpful to the OP.
by lazylarry
Wed Jun 14, 2017 4:50 pm
Forum: Investing - Help with Personal Investments
Topic: Bond funds vs bonds (yes, again)
Replies: 16
Views: 1444

Re: Bond funds vs bonds (yes, again)

I guess I don't see the issue here. Yes, if interest rates go up my bond fund will drop in value, but as the fund ads new bonds at the higher yield I benefit from the higher yield, right? Presumably it all comes out in the wash, so to speak. Someone please correct me if I'm wrong. I'm no expert at ...
by lazylarry
Mon Jun 12, 2017 5:41 pm
Forum: Investing - Help with Personal Investments
Topic: Bond funds vs bonds (yes, again)
Replies: 16
Views: 1444

Re: Bond funds vs bonds (yes, again)

I guess I don't see the issue here. Yes, if interest rates go up my bond fund will drop in value, but as the fund ads new bonds at the higher yield I benefit from the higher yield, right? Presumably it all comes out in the wash, so to speak. Someone please correct me if I'm wrong. I'm no expert at ...
by lazylarry
Thu Jun 08, 2017 9:19 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio/Fund Selection Advice For New'ish Investor
Replies: 7
Views: 421

Re: Portfolio/Fund Selection Advice For New'ish Investor

I would suggest reading a good book on types of bonds and bond funds. They are not nearly as intuitive as stocks but can become an equally important part of your portfolio. Most Bogleheads seek bonds in part to provide stability, but long term funds are risky, sometimes as risky as stocks. Long ter...
by lazylarry
Thu Jun 08, 2017 8:33 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio/Fund Selection Advice For New'ish Investor
Replies: 7
Views: 421

Re: Portfolio/Fund Selection Advice For New'ish Investor

Welcome to the forum by the way! ! Age: 30 Tax Filing: Married filing jointly(with baby due next month) Tax Rate: I think the lowest, 25% maybe?? use this website to find out : https://taxfoundation.org/2017-tax-brackets/ State: AZ Employment: Current Med Student, so only wife’s income now, but inc...
by lazylarry
Thu Jun 08, 2017 7:56 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Virtual online chapter - Master thread]
Replies: 48
Views: 4865

Re: Online group meetings via web conference? [Virtual online chapter]

Alright so we had 6 people who were interested - and all able to make date of June 21st at 8pm EST on the Zoom platform. So we will plan for then. If you are still interested, please email me as it is harder for me to individually message people on this forum. Likewise, even if you have already repl...
by lazylarry
Tue Jun 06, 2017 10:27 pm
Forum: Personal Consumer Issues
Topic: Yellowstone best itinerary?
Replies: 15
Views: 1533

Re: Yellowstone best itinerary?

Thanks all, I appreciate the detailed advice. I looked at the other threads. I was wondering what folks thought of this itinerary (definitely want mt. rushmore but could be convinced not to do tetons). Also, what are thoughts on Yellowstone tours? -have not done anything like this before, no nationa...
by lazylarry
Sun Jun 04, 2017 8:01 am
Forum: Investing - Help with Personal Investments
Topic: New Cash to Invest - what now???
Replies: 13
Views: 1599

Re: New Cash to Invest - what now???

-Helpful information for us to have would be as per my signature regarding posting. Specifically, your age, current savings/retirement assets would be helpful. My 2 cents below. I have been fortunate to have recently sold some real estate at a profit and have some cash sitting on hand. I am trying t...
by lazylarry
Fri Jun 02, 2017 3:25 pm
Forum: Personal Consumer Issues
Topic: Yellowstone best itinerary?
Replies: 15
Views: 1533

Yellowstone best itinerary?

So my parents and sibling (adult) are planning to go to Yellowstone in August. Really not familiar at all with it, but they did see this tour package from TakeTours - 7 days from Denver to Yellowstone to SLC and back to Denver , with several little side tours thrown in. Website ( http://m.taketours....
by lazylarry
Thu Jun 01, 2017 5:02 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Virtual online chapter - Master thread]
Replies: 48
Views: 4865

Re: Online group meetings via web conference? [Virtual online chapter]

Great! So far following folks have indicated interest. Will pm folks since I know everyone doesn't check this thread, but I think going forward may be best to email "virtualbogleheads@gmail.com" if anyone is interested and we will add you. Also will set up a first video meeting on Zoom for...
by lazylarry
Sat May 27, 2017 10:49 am
Forum: Local Chapters and Bogleheads Community
Topic: [Virtual online chapter - Master thread]
Replies: 48
Views: 4865

Re: Online group meetings via web conference? [Virtual online chapter]

I've been busy, but finally have time to revive this. Anybody still interested? I will make a list and start the group if it is ok with the admins. Will use Zoom. If anybody else wants to organize this (as long as they actually do that) that's fine by me.
by lazylarry
Wed May 24, 2017 7:16 pm
Forum: Investing - Help with Personal Investments
Topic: After tax efficient investment
Replies: 15
Views: 1625

Re: After tax efficient investment

When do you need the money? -Are you doing backdoor Roth IRA ? Or is it worth it (don't know your tax bracket)? -If you may need the money, most people would put it in something like a tax-free muni bond fund or something like VBIIX/VBSIX as a "emergency fund" type deal. Tax efficiency wou...
by lazylarry
Thu May 18, 2017 5:33 pm
Forum: Investing - Help with Personal Investments
Topic: Roth vs pre-tax with higher income in the future
Replies: 10
Views: 962

Re: Roth vs pre-tax with higher income in the future

Thanks for your reply! I was referring primarily for Roth vs "traditional" 401k (TSP) for myself. I think most of what I said before applies. We file separately (at least for now) due to optimizing income-based loan payments w/ public service loan forgiveness in 10 years. Don't know a ton ...
by lazylarry
Wed May 17, 2017 7:12 pm
Forum: Investing - Help with Personal Investments
Topic: Roth vs pre-tax with higher income in the future
Replies: 10
Views: 962

Re: Roth vs pre-tax with higher income in the future

-Read White Coat Investor if you haven't already. -I assume you are talking about Roth IRA vs 401k contributions -also assume you are contributing up to match in 401k -I think you will get differing opinions here. While you are still in the 25% tax bracket, it's slightly unclear whether you will be ...
by lazylarry
Sun May 14, 2017 7:45 pm
Forum: Investing - Help with Personal Investments
Topic: Any reason to NOT rollover SEP IRA to 401k?
Replies: 5
Views: 597

Re: Any reason to NOT rollover SEP IRA to 401k?

Only theoretical reason would be if the 401k had higher ERs or other fees. But the fact that you are clearing for backdoor Roth IRA makes that point moot.
by lazylarry
Sun May 14, 2017 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: Help Selecting from limited Employer 401k Plan Options
Replies: 5
Views: 512

Re: Help Selecting from limited Employer 401k Plan Options

I like how you listed how long you will be in retirement for, that's an interesting fact that most of us don't know. Also, my personal opinion is not liking Lifestrategy because I believe AA should change based on how far away from retirement you are, as it does in target date. Anywho this is the re...
by lazylarry
Sun May 14, 2017 7:27 pm
Forum: Investing - Help with Personal Investments
Topic: 403B with high expense ratio's and insurance wrappers
Replies: 8
Views: 659

Re: 403B with high expense ratio's and insurance wrappers

This depends on a few things and we need more info, but even fees that high would still probably make the 403b a decent bet. There are several prior threads about this (more about 401ks with high expense ratios),
by lazylarry
Thu May 04, 2017 10:42 pm
Forum: Investing - Help with Personal Investments
Topic: Priority of Retirement Accounts
Replies: 18
Views: 1752

Re: Priority of Retirement Accounts

By matches at 5%, I assume you mean matches up to 5%. Also you should post as per the sticky (see my sig) but I'll give you advice on what you have. 1 - Yes at least get the match. That's free money. 2 - Your second question confused me. If you have a traditional 401k, that should be the next invest...
by lazylarry
Thu May 04, 2017 10:27 pm
Forum: Investing - Help with Personal Investments
Topic: Investing Advice
Replies: 3
Views: 394

Re: Investing Advice

I would slightly disagree with the above poster. If it's for family inheritance, you can definitely take advantage of the step-up in basis upon inheritance, and have a higher equity:bond ratio, I would probably do something like 80/20, if that is reasonable for your family members given their age. I...
by lazylarry
Thu May 04, 2017 10:15 pm
Forum: Investing - Help with Personal Investments
Topic: Who am I looking for?
Replies: 5
Views: 996

Re: Who am I looking for?

Are you looking for someone to help you with a complicated tax situation? What part of the finances do you exactly need help with? -Would consider a flat-fee advisor -May be that you need an accountant moreso than financial advisor -I'd probably say at least the "level" of a CFP, or higher...
by lazylarry
Thu May 04, 2017 7:17 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA Contribution/Withdrawal Question
Replies: 7
Views: 657

Re: Roth IRA Contribution/Withdrawal Question

Caveat that I haven't done this but:
Yes you can def withdraw and redeposit.
No reporting requirements as far as I know.
by lazylarry
Wed May 03, 2017 8:12 pm
Forum: Investing - Help with Personal Investments
Topic: Trad 401k or Roth 401k - invest in both?
Replies: 8
Views: 4262

Re: Trad 401k or Roth 401k - invest in both?

edit - that seems high for state tax rate, but even another reason to go to t401k, particularly if you retire out of state. Top of 25% federal bracket for 2017 for single is 91,900. The CA 9.3% bracket for 2016 starts at 51,530. So at $100K/year, 25% and 9.3% seem correct after deduction and exempt...
by lazylarry
Wed May 03, 2017 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: 57 - Retirement Portfolio Review - Am I on the right track.
Replies: 4
Views: 1075

Re: 57 - Retirement Portfolio Review - Am I on the right track.

IMHO, -you are far too aggressive given your age, unless you plan to retire at 70 and even then it's aggressive. Bad experiences with companies does not mean a fund is bad. If there is a market downturn then your savings will be severely hit in the early retirement phase which is quite bad. -get rid...
by lazylarry
Wed May 03, 2017 7:32 pm
Forum: Investing - Help with Personal Investments
Topic: Help with investing in my ROTH IRA
Replies: 7
Views: 718

Re: Help with investing in my ROTH IRA

-Why that random fund? You miss small caps. consider VTSMX. -You should do Roths and max for you and wife -kids? 529? -could do bonds in Roth (they are better in a 401k though) or tax-exempt in taxable is fine also -Yes you can put your money in a taxable. Look at: https://www.bogleheads.org/wiki/Ge...
by lazylarry
Wed May 03, 2017 7:24 pm
Forum: Investing - Help with Personal Investments
Topic: Trad 401k or Roth 401k - invest in both?
Replies: 8
Views: 4262

Re: Trad 401k or Roth 401k - invest in both?

Well this also depends on how much you withdraw in retirement. If you plan on withdrawing $200k a year, then obviously Roth 401k is better. But if you're a normal person, and you are withdrawing 4%, then the top of the 25% tax bracket for single - 91k/0.04 = ~2.3 million. At your 30k/yr for 20 yrs, ...
by lazylarry
Mon May 01, 2017 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: IRA Question - Can I contribute to an IRA?
Replies: 11
Views: 996

Re: IRA Question - Can I contribute to an IRA?

I'm fairly new to personal finance and have lately taken a serious interest in it. I've had a bunch of money sitting on the sidelines for a while, and now I'm trying to deploy some more of it. Welcome to bogleheads!! Mortage rate? Yes whole life insurance sucks My question is, outside of my 401k wh...
by lazylarry
Mon May 01, 2017 4:54 pm
Forum: Investing - Help with Personal Investments
Topic: Holding off investing till end of year?
Replies: 4
Views: 890

Re: Holding off investing till end of year?

I have 2 income sources, main fixed income and minor variable. DW working for another (not a main, small, variable income) while looking for a full time job (she was about to get a state job but didn't happen) :( . If we are going to do same average for the variable income for the rest of the year,...
by lazylarry
Mon May 01, 2017 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: Questions re: Backdoor conversion from Roth to Trad. IRA
Replies: 3
Views: 352

Re: Questions re: Backdoor conversion from Roth to Trad. IRA

I'm assuming that this means all your traditional IRA accounts at every investment company, not just the one with the traditional IRA you are interested in converting. Right? Yes Let's say that we already have a traditional IRA account with a low balance, say $1,000 at another investment company. W...
by lazylarry
Sun Apr 30, 2017 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: Reallocating bonds - tax implications?
Replies: 3
Views: 433

Re: Reallocating bonds - tax implications?

As retiredjg said, you can tax loss harvest the bond losses since these are taxable, which is fantastic because they were quite tax-inefficient in your taxable. As for a comparable fund - I'm not sure about that. Obviously due to TLH rules, you can't buy the same fund or identical tax-exempt fund. M...
by lazylarry
Sat Apr 29, 2017 11:19 am
Forum: Investing - Help with Personal Investments
Topic: 5 year cd - to open or not
Replies: 21
Views: 2245

Re: 5 year cd - to open or not

whodidntante wrote:It is risky to assume you will be allowed to break a CD and pay an EWP. This is often true, but not always.


Really? I have never heard of an Ally CD that Ally did not allow to break? I know its in the fine print, but not sure about reality.
by lazylarry
Sat Apr 29, 2017 11:06 am
Forum: Investing - Help with Personal Investments
Topic: Helping Adult Child with Investment Plan
Replies: 6
Views: 721

Re: Helping Adult Child with Investment Plan

-New car and house purchases are big. You would need to save for this earlier, could place funds in short term bond fund or CD. -Unclear about taxable - are these funds in fidelity brokerage now. How are the gains on these? Depending on that, I would probably sell and go to 3-fund or your desired al...
by lazylarry
Sat Apr 29, 2017 10:41 am
Forum: Investing - Help with Personal Investments
Topic: 5 year cd - to open or not
Replies: 21
Views: 2245

Re: 5 year cd - to open or not

I'd say go for it. CD rate may go up or down, we don't know. However, interest will definitely compound if you put it in.
by lazylarry
Thu Apr 27, 2017 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: Investing cash short term set aside for roth contributions while in grad school
Replies: 15
Views: 794

Re: Investing cash short term set aside for roth contributions while in grad school

Consider Vanguard Short Term Corporate Bond (VCSH) or Short Term Investment Grade (VFSTX). Will have some downside risk but not much. Solid bet to earn some return and good place long term to hold backup emergency funds. I feel like the risk is probably best for you with short term bond funds- 5-10...
by lazylarry
Thu Apr 27, 2017 8:42 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation help
Replies: 5
Views: 566

Re: Allocation help

-noting that you are quite risk-averse - 60/40 is commonly used AT retirement age -FYI bonds are less tax efficient in the Roth IRA. Might wanna swap these out for equities and switch into more bonds in your SIMPLE. -your bond allocation is actually probably higher than 40% b/c most is in post-tax a...
by lazylarry
Thu Apr 27, 2017 8:33 pm
Forum: Investing - Help with Personal Investments
Topic: Help Transitioning Taxable Account Assets
Replies: 5
Views: 452

Re: Help Transitioning Taxable Account Assets

+1 to both above posters. The other thing to point out is that your target retirement funds are quite stock heavy (90/10) as you noted. You may want to adjust these to target retirement funds with closer dates, in the 401k accounts (just a thought). Also, your international allocation is low. Lastly...
by lazylarry
Thu Apr 27, 2017 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: Invest my rollover
Replies: 4
Views: 275

Re: Invest my rollover

You also may have the option to keep your 403b which may be advantageous. But yes, read the link.
by lazylarry
Sat Apr 22, 2017 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: please advise- are we on target ?
Replies: 17
Views: 1613

Re: please advise- are we on target ?

Good Evening Bogleheads, I am a first time poster and would greatly value your input Would post as per my signature below, we can give better advice that way. Also look at my signature for further links on getting started .We are trying to understand where we stand financially at this time and if w...
by lazylarry
Thu Apr 20, 2017 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have an umbrella policy?
Replies: 129
Views: 13721

Re: Do you have an umbrella policy?

What are things we should look for in an umbrella coverage policies? Or are they generally the same in terms of what they cover? And the best (cheapest) way to get one is just to call around to different insurance agencies (I've heard folks having it through Geico, State Farm, etc)?
by lazylarry
Tue Apr 18, 2017 9:25 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice - Taxable Accounts/Passive Income
Replies: 10
Views: 1019

Re: Portfolio Advice - Taxable Accounts/Passive Income

Sorry but I just have to ask... if your "After Tax monthly income" is $9951 ($119,412 Annually) how are you able to be within the 15% tax bracket? Especially since that is after tax income.... In the military my Basic Housing Allowance is not taxed as income. Also, tax deductions from my ...
by lazylarry
Tue Apr 18, 2017 9:18 pm
Forum: Investing - Help with Personal Investments
Topic: 35 year old seeking Roth 401K investment help
Replies: 8
Views: 493

Re: 35 year old seeking Roth 401K investment help

Yes at your tax rate, I really doubt that you would have enough saved to be earning enough to warrant a 28% tax rate during retirement. So a traditional 401k is definitely the way to go. Some links in case you did not see them - they are in the stickies on the forum. https://www.bogleheads.org/wiki/...
by lazylarry
Tue Apr 18, 2017 9:01 pm
Forum: Investing - Help with Personal Investments
Topic: Should I roll out my portion of my pension???
Replies: 7
Views: 805

Re: Should I roll out my portion of my pension???

we need more info, would post as per the link at bottom.
my guess is that you taking the portion now will be better if there are high fees though your tax bracket now and at retirement will determine this.
by lazylarry
Tue Apr 18, 2017 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for 30yr old with limited knowledge-Calling all Bogleheads
Replies: 17
Views: 2183

Re: Advice for 30yr old with limited knowledge-Calling all Bogleheads

A sample plan: 401k 20% Fidelity® U.S. Bond Index Fund - Premium Class (Bond) ER .05% 64% FID 500 INDEX PR (Large Cap)-30% Expense Ratio .045% 16% FID SM CAP IDX PR (Small Cap)-10% Expense Ratio .07% Taxable -Sell all and rebuy: 20% VBTLX 60% VTSMX 20% VGTSX -You will pay some marginal capital gains...
by lazylarry
Tue Apr 18, 2017 8:27 pm
Forum: Investing - Help with Personal Investments
Topic: 35 year old seeking Roth 401K investment help
Replies: 8
Views: 493

Re: 35 year old seeking Roth 401K investment help

-need more emergency funds - IMHO 6 months better unless your job is super stable. -international: 20-40% of equities -Why are you looking at Roth 401k investments? Unless there is no traditional 401k, which would be weird. You should be investing in 401k like 99.99% chance given your tax bracket. -...
by lazylarry
Tue Apr 18, 2017 4:36 pm
Forum: Investing - Help with Personal Investments
Topic: Exchanging the S&P 500 for the TSM
Replies: 16
Views: 2144

Re: Exchanging the S&P 500 for the TSM

Just a note that one potential tax implication would be that IRA's can cause wash sales if you have TSM or S&P500 in a taxable account. You didn't mention if you have a taxable account but I just wanted to throw this detail out there. Wash sale would only apply if S&P500 was in a taxable ac...

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