Search found 16 matches

by lmk1966
Sat Aug 12, 2017 8:40 am
Forum: Investing - Help with Personal Investments
Topic: taxable accounts
Replies: 8
Views: 614

Re: taxable accounts

Clarification: I have 2 mortgages: condo around $150k left (3 bedroom center of Chicago, great equity, possible/able to pay it off.. Renting it as of right now/ after my husbands death since I needed income.) Selling it NOT an option as of right now (unless total disaster) for different reasons.. Al...
by lmk1966
Sat Aug 12, 2017 8:11 am
Forum: Investing - Help with Personal Investments
Topic: taxable accounts
Replies: 8
Views: 614

taxable accounts

Help Please ... What do I need to now about taxable accounts and any suggestions welcome. I have my 403b maxed, 457 plan not good options (long story, explored it, etc), Can NOT open HSA because of low deductible and does not make scene to change insurance plan to higher deductible just to open HSA....
by lmk1966
Thu Jul 20, 2017 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: help: paying mortgage vs investment ...(advise needed)
Replies: 6
Views: 495

Re: help: paying mortgage vs investment ...(advise needed)

just checked Vanguard and based on my age they recommend target fund 2030
will call them tomorrow

any other opinion ?
by lmk1966
Thu Jul 20, 2017 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: help: paying mortgage vs investment ...(advise needed)
Replies: 6
Views: 495

Re: help: paying mortgage vs investment ...(advise needed)

I am 51 y and hope to work for long time so Target fund 2035 gets me to age 69 yo.. or 2030 better?
by lmk1966
Thu Jul 20, 2017 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: help: paying mortgage vs investment ...(advise needed)
Replies: 6
Views: 495

help: paying mortgage vs investment ...(advise needed)

I am almost 51 yo widow without much in 403b but I am maxing it out + getting match and started roth IRA. I addition I have 2 properties and 2 mortgages : 1. condo with mortgage left of $150 k 2. house with mortgage left $ 288k Selling any of them at this time is NOT a plan... even that many of you ...
by lmk1966
Thu Jun 29, 2017 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: 403b allocation help
Replies: 19
Views: 1268

Re: 403b allocation help

Dear "Duckie", I have a question. You suggested 403b at Lincoln Financial -- $95K -- 81% (WHY 81%) ???? I HAVE TO REBALANCE ALL TO TOTAL 100% OF MY 403B 31% (VINIX) Vanguard Institutional Index Fund Institutional Shares (0.04%) 40% 7% (VSCIX) Vanguard Small-Cap Index Fund Institutional Shares (0.05%...
by lmk1966
Thu Jun 29, 2017 7:28 pm
Forum: Investing - Help with Personal Investments
Topic: 403b allocation help
Replies: 19
Views: 1268

Re: 403b allocation help

Yes, I recently asked for relocation ..probably poor decision but it is too late 401k can not be move to 403b (just talked to Lincoln Financial) Why do I need to merge 2 funds? roth IRA with Fidelity (only 17k there) in Fidelity Freedom 2030 Fund (suggestion of Fidelity representative I met with) Fu...
by lmk1966
Thu Jun 29, 2017 5:14 pm
Forum: Investing - Help with Personal Investments
Topic: 403b allocation help
Replies: 19
Views: 1268

Re: 403b allocation help

Also my Lincoln Financial site has now this for Vanguard
"This vehicle has a purchase block/investment election restriction through 07/22/2017"


What does it mean and why ?.
by lmk1966
Thu Jun 29, 2017 5:12 pm
Forum: Investing - Help with Personal Investments
Topic: 403b allocation help
Replies: 19
Views: 1268

Re: 403b allocation help

So currently I have this: VINIX 35% VSCIX 35% RERGX. 8% (AM europacific growth) JFlEX bond. 4% Dodge intern. Stock fund. 3% JPMorgan smart retirement 2030 15% RECOMENDATIONS from " ruralavalon": VINIX 35% KEEP..WHAT % ? VSCIX 35% FULLY DROP/GET RID RERGX. 8% (AM europacific growth) KEEP..WHAT % ? JF...
by lmk1966
Thu Jun 29, 2017 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: 403b allocation help
Replies: 19
Views: 1268

Re: 403b allocation help

I am 50 yo with 100 k in 403b Currently 403b Lincoln Financial as follow: VINIX 35% VSCIX 35% RERGX. 8% (AM europacific growth) JFlEX bond. 4% Dodge intern. Stock fund. 3% JPMorgan smart retirement 2030 15% Available options through Lincoln Financial (with expense ratio) Vnguard Institutional Index ...
by lmk1966
Wed Jun 28, 2017 10:42 pm
Forum: Investing - Help with Personal Investments
Topic: 403b allocation help
Replies: 19
Views: 1268

Re: 403b allocation help

457 not an option since if I leave, then I will loose a lot( long story). Currently 403b Lincoln Financial as follow: VINIX 35% VSCIX 35% RERGX. 8% (AM europacific growth) JFlEX bond. 4% Dodge intern. Stock fund. 3% JPMorgan smart retirement 2030 15% Available options through Lincoln Financial (with...
by lmk1966
Sun Mar 26, 2017 11:49 am
Forum: Investing - Help with Personal Investments
Topic: 403b allocation help
Replies: 19
Views: 1268

Re: 403b allocation help

Salary$230k. 401k through Lincoln Financial invested in JpM 2030 Plan to work as long as I can ( psychiatry). 457 available but not using ( non- profit hospital). Mortgages posted above. RIRA through Fidelity but no allocations chosen yet
by lmk1966
Sun Mar 26, 2017 8:09 am
Forum: Investing - Help with Personal Investments
Topic: 403b allocation help
Replies: 19
Views: 1268

Re: 403b allocation help

Posting additional information: Emergency fund: have for 1 year Debt: car lease + 2 mortgages Condo mortgage 153k with interest 2.875% for 15 y (monthly payment 1.816k + 1.018k assessment) House mortgage 293k with interest 2.875% for 15y (monthly payment 2,870k +190 assessment because it is townhous...
by lmk1966
Sat Mar 25, 2017 9:34 pm
Forum: Investing - Help with Personal Investments
Topic: 403b allocation help
Replies: 19
Views: 1268

Re: 403b allocation help

VSCIX -0.07% VINIX- 0.04% GPM 2030- 0.64% EuroPacific-0.5% Drfys Research -0.86% Just started IRA and have 17k in RIRA some cash saving in ALLY Available options through Lincoln Financial: Vnguard Institutional Index Ticker: VINIX Vnguard Index Trust Small Cap Idx Instl Ticker: VSCIX AM Fds EuroPaci...
by lmk1966
Sat Mar 25, 2017 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: 403b allocation help
Replies: 19
Views: 1268

403b allocation help

I am 50 yo without much savings for retirement but I am a physician and hope to be OK by the time of my retirement Emergency fund: have for 1 year Debt: car lease + 2 mortgages Condo mortgage 153k with interest 2.875% for 15 y (monthly payment 1.816k + 1.018k assessment) House mortgage 293k with int...