Search found 33 matches

by maxgrowth
Fri Jun 02, 2017 1:29 pm
Forum: Investing - Help with Personal Investments
Topic: Deferred Salary Saving Plan for the HCE
Replies: 2
Views: 352

Re: Deferred Salary Saving Plan for the HCE

Post by Spirit Rider » Thu Jun 01, 2017 9:54 pm Research non-qualified deferred compensation plans. There are many pros and cons of such plans. They do allow you to defer compensation and thus taxes. However, your contributions are assets of the corporation and subject to the creditors of the corpo...
by maxgrowth
Fri Jun 02, 2017 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: Stock Market vs. Mutual Funds
Replies: 22
Views: 1571

Re: Stock Market vs. Mutual Funds

Thank you all, Bogleheads. I will incorporate your inputs into my investment. Appreciate it. Have a great weekend! :)
by maxgrowth
Thu Jun 01, 2017 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: Deferred Salary Saving Plan for the HCE
Replies: 2
Views: 352

Deferred Salary Saving Plan for the HCE

Dear Bogleheads, it is me again :D I can't contribute to my company sponsored 401K plan due to the IRS defined HCE status. I maximized my Roth IRA. I spoke with the HR and they suggested me to contribute to Deferred Salary Saving Plan (DSSP). I would like to have your input and feedback on the DSSP....
by maxgrowth
Thu Jun 01, 2017 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: Stock Market vs. Mutual Funds
Replies: 22
Views: 1571

Re: Stock Market vs. Mutual Funds

Dearest Bogleheads, thank you all so much for your valuable input. I can assure you that your advice was well received. I will not touch the individual stock market. I never felt comfortable with the stock market anyway in my life. However, I have some extra funds around $100K+ cash sitting in my sa...
by maxgrowth
Wed May 31, 2017 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: Stock Market vs. Mutual Funds
Replies: 22
Views: 1571

Stock Market vs. Mutual Funds

Dear Bogleheads, I have made investments in my 401K, traditional IRA, Roth IRA, taxable account, and rental property. I never had the courage to get myself involved in stock market. Often times, I heard that my friends who bought Apple, Amazon stocks many years ago have made a sizeable fortune now. ...
by maxgrowth
Thu May 18, 2017 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable Account Investment Question
Replies: 8
Views: 629

Re: Taxable Account Investment Question

Post by livesoft » Thu May 18, 2017 11:17 am If you can accept risk, then I would put my house savings down payment in something more risky. A short-term bond fund like VSCSX or an intermediate term bond fund like VBTLX or a stock fund like VTSAX. If you saving is growing fast, then a 5% loss or a ...
by maxgrowth
Thu May 18, 2017 3:55 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Funds Pickup for my Roth
Replies: 8
Views: 764

Re: Vanguard Funds Pickup for my Roth

(Please don't discuss details on the "political drama at WH". Politics are off-topic in this forum.) LadyGeek, thank you for your reminding. You are absolutely right on this. I never planned to go to details on this. :D Also, I will stay on the course and ignore the noises. Appreciate it!
by maxgrowth
Thu May 18, 2017 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable Account Investment Question
Replies: 8
Views: 629

Taxable Account Investment Question

Dear Bogleheads: I have a question about my Taxable Account with Vanguard. I invested 70% in VTSAX and 30%VTIAX (100% in stocks). I am scared that my $200K investment in this particular acct will shrink a lot due to the political drama at WH. Should I sell them and hold them in the money market acct...
by maxgrowth
Thu May 18, 2017 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing Questions
Replies: 7
Views: 688

Re: Rebalancing Questions

Thank you for the praise, maxgrowth, but in your post you quote LadyGeek, not me. For the record, I endorse her advice. PJW PJW, please accept my sincere apologies! It was deep night and I was probably too tired:) Everyone at this forum are really professional, knowledgeable, and super nice includi...
by maxgrowth
Thu May 18, 2017 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Funds Pickup for my Roth
Replies: 8
Views: 764

Re: Vanguard Funds Pickup for my Roth

Re: Vanguard Funds Pickup for my Roth Report this post Quote Unread postby LadyGeek » Wed May 17, 2017 4:27 pm Continuing from: Re: Rebalancing Questions LadyGeek wrote: The OP has another discussion here: Vanguard Funds Pickup for my Roth maxgrowth wrote: 2. I help my daughter invest $11k in ROTH ...
by maxgrowth
Wed May 17, 2017 2:00 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing Questions
Replies: 7
Views: 688

Re: Rebalancing Questions

maxgrowth wrote: 2. I help my daughter invest $11k in ROTH IRA. I put them 100% into VTSAX for her since she is only 24 year-old. Is this too riskier to put into one fund? Of course, we can't rebalance it either. By "helping" her, do all of the funds she contributes to the Roth come from ...
by maxgrowth
Wed May 17, 2017 1:42 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing Questions
Replies: 7
Views: 688

Re: Rebalancing Questions

Re: Rebalancing Questions by Phineas J. Whoopee » Tue May 16, 2017 5:01 pm maxgrowth wrote: ... 1. I have $200k at my taxable investment account. I put 70% in VTSAX and 30% in VTIAX. I did not apply the 3 fund portfolio rule as they are TAXABLE Investment. Should I rebalance it? They are all stocks...
by maxgrowth
Tue May 16, 2017 6:45 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing Questions
Replies: 7
Views: 688

Rebalancing Questions

Dear Bogleheads, I heard a lot of discussion on rebalancing our investments and understand how important it is. Should the rebalancing depend on the feature of the investments or every investment needs to be rebalanced? If so, how often??? 1. I have $200k at my taxable investment account. I put 70% ...
by maxgrowth
Tue Apr 04, 2017 1:44 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Funds Pickup for my Roth
Replies: 8
Views: 764

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: 8
Views: 764

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: 8
Views: 764

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: 517

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: 517

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: 517

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: 774

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: 774

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: 774

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: 6735

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: 6735

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: 528

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: 483

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: 3198

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: 606

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: 606

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: 606

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: 3198

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: 3198

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: 606

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...

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