Search found 20 matches

by maxgrowth
Tue Apr 04, 2017 1:44 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Funds Pickup for my Roth
Replies: 4
Views: 331

Re: Vanguard Funds Pickup for my Roth

by goingup » Mon Apr 03, 2017 12:39 pm Your choices would be just keep $11K in Total Stock Market and hold bonds in her 401K. If there aren't good bond options in 401K then use a Target Fund that contains more bonds. Don't bother with bonds in a Roth, reserving that space for "growthy" as...
by maxgrowth
Tue Apr 04, 2017 1:42 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Funds Pickup for my Roth
Replies: 4
Views: 331

Re: Vanguard Funds Pickup for my Roth

by thangngo » Mon Apr 03, 2017 12:30 pm She can also buy ETF of the similar bond fund and wait until she accumulates enough to transfer-in-kind to bond fund. Unless you are set on 90% Total US stock and 10% bond, I would consider buying Life Strategy Growth (80/20 stock/bond). It is diversified as ...
by maxgrowth
Mon Apr 03, 2017 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Funds Pickup for my Roth
Replies: 4
Views: 331

Vanguard Funds Pickup for my Roth

Dear Bogleheads, I need your urgent advice. I helped my daughter setup a Roth Acct with Vanguard with $11K for 2016 and 2017. She is 26 years old and she is planning to maximize her 401K with Target Retirement fund 90% vs. 10% asset allocation. She never has any retirement acct before. For Roth $11K...
by maxgrowth
Mon Mar 27, 2017 1:29 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA vs. 401k(Traditional IRA)
Replies: 4
Views: 457

Re: Roth IRA vs. 401k(Traditional IRA)

Re: Roth IRA vs. 401k(Traditional IRA) by gilgamesh » Sun Mar 26, 2017 4:38 am When you rollover from 401k to traditional IRA it's not a taxable event. If you decide to move it into a Roth you will pay taxes on the whole amount. It wasn't clear whether you know this. Gilgamesh, yes, I know that con...
by maxgrowth
Mon Mar 27, 2017 1:26 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA vs. 401k(Traditional IRA)
Replies: 4
Views: 457

Re: Roth IRA vs. 401k(Traditional IRA)

by FiveK » Sun Mar 26, 2017 1:13 am maxgrowth wrote: 1. I invested in the Target Retirement Funds for my 401K and Traditional IRA. Should I use the same Target Retirement fund for my Roth IRA? That would be a reasonable choice. Or Should I be more aggressive in Roth such as VTSAX 50% and VTIAX 50%?...
by maxgrowth
Sun Mar 26, 2017 2:47 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA vs. 401k(Traditional IRA)
Replies: 4
Views: 457

Roth IRA vs. 401k(Traditional IRA)

Dear Bogleheads, I need some advice on the investment strategy of Roth IRA vs. 401k. My basic financial situation is: 300K in Traditional IRA, 25K in Roth IRA, and 60K in 401K, 200K in taxable account. 20 years away from retirement. My questions: 1. I invested in the Target Retirement Funds for my 4...
by maxgrowth
Tue Mar 21, 2017 12:50 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Retirement fund vs. Vanguard ETFs vs. DIY Portfolio
Replies: 5
Views: 689

Re: Vanguard Target Retirement fund vs. Vanguard ETFs vs. DIY Portfolio

Re: Vanguard Target Retirement fund vs. Vanguard ETFs vs. DIY Portfolio by aristotelian » Mon Mar 20, 2017 4:33 am DIY portfolio would have the most options for Tax Loss Harvesting, but would require a very carefully thought out plan and policies so that you avoid "stock picking" and &quo...
by maxgrowth
Tue Mar 21, 2017 12:47 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Retirement fund vs. Vanguard ETFs vs. DIY Portfolio
Replies: 5
Views: 689

Re: Vanguard Target Retirement fund vs. Vanguard ETFs vs. DIY Portfolio

by onourway » Mon Mar 20, 2017 2:58 am The general rule of thumb is to place your most tax-efficient assets in the taxable account. This usually means a broad market index fund like VTI or VOO. If you have a desire for international, something like VXUS might also be appropriate. If your tax bracke...
by maxgrowth
Mon Mar 20, 2017 1:02 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Retirement fund vs. Vanguard ETFs vs. DIY Portfolio
Replies: 5
Views: 689

Vanguard Target Retirement fund vs. Vanguard ETFs vs. DIY Portfolio

I have $250K that I plan to invest to Vanguard to my taxable account. I don't know whether I should invest them into Vanguard Target Retirement index fund or Vanguard ETFs or DIY investment portfolio. I was informed that the Vanguard TR is not tax efficient. Should I go with ETFs or DIY portfolio? I...
by maxgrowth
Mon Mar 20, 2017 12:21 am
Forum: Investing - Help with Personal Investments
Topic: Am I Addicted [to contribute to my taxable account]
Replies: 57
Views: 6388

Re: Am I Addicted [to contribute to my taxable account]

"Does anyone else find themselves constantly contributing to their taxable account? Besides my 403(b) and Roth IRA, I contribute all "spare" money to my taxable account (total stock market - vtsax). For example - I found $10 on the floor and sent it directly to vanguard." Why &q...
by maxgrowth
Sun Mar 19, 2017 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: Am I Addicted [to contribute to my taxable account]
Replies: 57
Views: 6388

Re: Am I Addicted [to contribute to my taxable account]

"Does anyone else find themselves constantly contributing to their taxable account? Besides my 403(b) and Roth IRA, I contribute all "spare" money to my taxable account (total stock market - vtsax). For example - I found $10 on the floor and sent it directly to vanguard." Why &qu...
by maxgrowth
Sun Mar 19, 2017 2:24 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Retirement fund vs. Vanguard ETFs vs. DIY Portfolio
Replies: 5
Views: 488

Vanguard Target Retirement fund vs. Vanguard ETFs vs. DIY Portfolio

Hope everyone is enjoying your weekend! I am very confused with my investment with Vanguard. I have the hard-earned $250K saving transferred to my Vanguard individual account. I don't know whether I should invest them into Vanguard Target Retirement index fund or Vanguard ETFs or DIY investment port...
by maxgrowth
Mon Mar 13, 2017 3:20 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable Account with Vanguard
Replies: 3
Views: 390

Taxable Account with Vanguard

Hope you all had a great weekend! I opened up a taxable brokerage account with Vanguard. I plan to put 50% of my saving ($100K)into Vanguard Target Retirement 2030 fund (VTHRX). The other 50% of my saving ($100K) into Vanguard ETFs. However, I was informed the Vanguard Target Retirement 2030 fund is...
by maxgrowth
Sun Mar 12, 2017 2:27 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs. Schwab vs. T. Rowe Price vs. Fidelity
Replies: 24
Views: 2506

Re: Vanguard vs. Schwab vs. T. Rowe Price vs. Fidelity

Thank you all so very much for your input and advices, especially to Nisiprius. You guys are very helpful. Have a beautiful Sunday, everyone!!!
by maxgrowth
Sat Mar 11, 2017 3:35 am
Forum: Investing - Help with Personal Investments
Topic: ThomasPartners Dividend Growth Question.
Replies: 8
Views: 486

Re: ThomasPartners Dividend Growth Question.

Thank you, in_reality. Really appreciate it. Have a great weekend!
by maxgrowth
Sat Mar 11, 2017 2:35 am
Forum: Investing - Help with Personal Investments
Topic: ThomasPartners Dividend Growth Question.
Replies: 8
Views: 486

Re: ThomasPartners Dividend Growth Question.

in_realty: I plan to put some money into Vanguard Target Index Funds as well. Is this a good idea? Any better options in Vanguard for me? Thank you for your advice again.
by maxgrowth
Sat Mar 11, 2017 2:02 am
Forum: Investing - Help with Personal Investments
Topic: ThomasPartners Dividend Growth Question.
Replies: 8
Views: 486

Re: ThomasPartners Dividend Growth Question.

Thank you guys so very much. You guys are just so awesome!!! You saved me.. I am going to go with Schwab Target Index ETFSa and Vanguard Index Funds.
by maxgrowth
Sat Mar 11, 2017 1:39 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs. Schwab vs. T. Rowe Price vs. Fidelity
Replies: 24
Views: 2506

Re: Vanguard vs. Schwab vs. T. Rowe Price vs. Fidelity

I am pulling my hair out. I was considered highly compensated employee, therefore I can't contribute to my 401K at all. The Schwab CFP strongly pushed me to go with Thomas Partners with 0.9% fee. I myself is a CPA and I know numbers. I talked with him many times and he insisted Thomas Partners is th...
by maxgrowth
Sat Mar 11, 2017 1:03 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs. Schwab vs. T. Rowe Price vs. Fidelity
Replies: 24
Views: 2506

Vanguard vs. Schwab vs. T. Rowe Price vs. Fidelity

I have some extra saving I would like to put into investment. I am a newbie into investment. 1. vanguard vs. Schwab vs. T.Rowe Price vs. Fidelity,which one should I with? Fidelity has the tax deferred annuity which gives me a tax break as I am in the high tax bracket. 2. Which portfolio should I go?...
by maxgrowth
Fri Mar 10, 2017 4:48 pm
Forum: Investing - Help with Personal Investments
Topic: ThomasPartners Dividend Growth Question.
Replies: 8
Views: 486

ThomasPartners Dividend Growth Question.

Dear All, I have about $200K saving which I wanted to invest for my retirement in additional to my 401K. I have a few questions which I really appreciate your input: 1. My Schwab CFP strongly suggested me to put into ThomasPartners Dividend Growth and balance income strategy with 0.9% actively manag...

Go to advanced search