Search found 41 matches

by msheald
Tue Nov 21, 2017 3:28 pm
Forum: Investing - Help with Personal Investments
Topic: How to weight Risk:Return for AA in Thrift G fund vs. F Fund?
Replies: 8
Views: 620

Re: How to weight Risk:Return for AA in Thrift G fund vs. F Fund?

Hello! Perhaps I'm reading the Thrift table wrong? Each year, the F fund seems to outperform the G fund by an average of 2%. Or does this include share price appreciation as well as interest rate return? Best regards.

Mike
by msheald
Sun Nov 19, 2017 7:29 am
Forum: Investing - Help with Personal Investments
Topic: How to weight Risk:Return for AA in Thrift G fund vs. F Fund?
Replies: 8
Views: 620

How to weight Risk:Return for AA in Thrift G fund vs. F Fund?

Hello! I've been reading the posts on Thrift G fund vs. Fund fund with interest. Many folks seem to feel that the negligible risk of G fund is important. A few try to risk adjust the returns of the G fund and F fund so that a person can accurately risk adjust the asset allocation held in a portfolio...
by msheald
Mon Nov 06, 2017 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: How to Handle Rebalancing, AA, and Withdrawals during Retirement?
Replies: 3
Views: 542

How to Handle Rebalancing, AA, and Withdrawals during Retirement?

Hello! I'll start to withdraw money from my retirement funds in about 2 years. I have a 70/30 AA between general bond and stock funds in both taxable and tax deferred acounts. I plan to rebalance once a year if +/- 5% from the 70/30 balance. I plan to withdraw 3% a year from my accounts. According t...
by msheald
Sat Aug 19, 2017 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: Timing of Converting Taxable Stock Fund to Bond Fund for Retirement
Replies: 8
Views: 809

Re: Timing of Converting Taxable Stock Fund to Bond Fund for Retirement

Thank you all for your replies. To be frank, one situation I'm concerned about is that there would be a significant increase in long term capital gains tax in 4 years. In addition to managing my AA, I'm wondering about paying the tax now in order to lock in the 15%. and then purchasing the stock fun...
by msheald
Sat Aug 19, 2017 5:51 am
Forum: Investing - Help with Personal Investments
Topic: Timing of Converting Taxable Stock Fund to Bond Fund for Retirement
Replies: 8
Views: 809

Timing of Converting Taxable Stock Fund to Bond Fund for Retirement

Hello! I am wondering if there is an advantage of when to convert a taxable stock fund to a bond fund. I will retire in 2018. I have a Vanguard taxable stock fund with about $500,000 of long-term capital gains, and I would like to convert most of it to a bond fund in order to be more conservative. W...
by msheald
Sun Jul 16, 2017 10:09 am
Forum: Personal Consumer Issues
Topic: Rent or Buy in Las Cruces, NM
Replies: 12
Views: 1361

Re: Rent or Buy in Las Cruces, NM

Thank you for your replies. I appreciate them. Best regards.

Mike
by msheald
Sun Jul 16, 2017 6:23 am
Forum: Personal Consumer Issues
Topic: Rent or Buy in Las Cruces, NM
Replies: 12
Views: 1361

Rent or Buy in Las Cruces, NM

Hello! My organization has asked me to consider a 3-year assignment in Las Cruces. I would appreciate guidance of factors to consider as to whether my wife and I should rent or buy a house there. The market seems cool to luke-warm, though houses may stay on the market for 60 days or more if we buy a...
by msheald
Sun Jul 16, 2017 6:10 am
Forum: Investing - Theory, News & General
Topic: Taxes Due When Converting International to US Stock Fund?
Replies: 13
Views: 1041

Re: Taxes Due When Converting International to US Stock Fund?

Hello! Thank you all for your comments. This is a taxable account. I have not identified the tax situation for converting to a US stock fund. I've had the Vanguard funds for years, so. since taxes will be owed, I'll evaluate the tax consequences carefully before performing any fund transfers. Thank ...
by msheald
Sat Jul 15, 2017 5:33 am
Forum: Investing - Theory, News & General
Topic: Taxes Due When Converting International to US Stock Fund?
Replies: 13
Views: 1041

Taxes Due When Converting International to US Stock Fund?

Hello! I am considering selling my Vanguard international stock fund and moving the money immediately to a US total market stock fund. Would this move be considered between two substantially equivalent funds so that tax would not be due? Or would they be considered different by the IRS and tax due? ...
by msheald
Sun Jun 04, 2017 6:37 am
Forum: Investing - Help with Personal Investments
Topic: Convert Portfolio from 70/30 to 30/70 Gradually or All at Once?
Replies: 44
Views: 2790

Re: Convert Portfolio from 70/30 to 30/70 Gradually or All at Once?

Hello! Thank you all for your comments. I appreciate them. As far as taxes, I plan to move funds from stocks to bonds in my IRAs so that taxes will be deferred. I have a high risk tolerance. I was 90% in equities in 2008. I kept the course then, and I did not cash out. However, any new money I put i...
by msheald
Sat Jun 03, 2017 6:02 am
Forum: Investing - Help with Personal Investments
Topic: Convert Portfolio from 70/30 to 30/70 Gradually or All at Once?
Replies: 44
Views: 2790

Convert Portfolio from 70/30 to 30/70 Gradually or All at Once?

Hello! My portfolio is roughly 70/30 between stocks and bonds in taxable and tax-free accounts. I want to convert to 30/70 for stability in retirement. With the recent stock run-up, I have nearly met my goal for portfolio value that would trigger the change in stock/bond allocation. What are the adv...
by msheald
Sun Mar 12, 2017 3:49 pm
Forum: Investing - Theory, News & General
Topic: Estimated Quarterly Tax Payments and Capital Gains Distributions
Replies: 8
Views: 883

Estimated Quarterly Tax Payments and Capital Gains Distributions

Hello! As I begin retirement planning, I am wondering how to handle estimated quarterly tax payments. I will receive interest, dividends, and capital gains on my funds. It appears that if I do not pay sufficient estimated quarterly tax, I would pay a penalty. How are capital gains handled when payin...
by msheald
Sun Jan 22, 2017 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with Passive Rental Loss?
Replies: 9
Views: 2601

Re: What to do with Passive Rental Loss?

Hello! Thank you for your response. I am unsure what happens to the passive losses when they are freed when we sell our house. Do they disappear? Are they continued to be brought forward to be used against possible other passive income? Does it offset any appreciation of the house when we sell it? W...
by msheald
Sun Jan 22, 2017 6:51 am
Forum: Investing - Help with Personal Investments
Topic: What to do with Passive Rental Loss?
Replies: 9
Views: 2601

What to do with Passive Rental Loss?

Hello! We worked overseas for several years and accumulated $25,000 of passive loss when we rented our house out during that time. When we returned, we have been living in our house and it is our primary residence once again.We don't have any source of passive income. My understanding is that the pa...
by msheald
Wed Dec 21, 2016 10:52 am
Forum: Investing - Theory, News & General
Topic: What are teh Advanages of Roth Conversion after Retirement?
Replies: 7
Views: 853

What are teh Advanages of Roth Conversion after Retirement?

Hello! I've been running different scenarios for retirement with i-OPR. I am wondering about IRA to Roth conversions after retirement. My tax bracket will not change in retirement - 28% top bracket. Would there be advantages to IRA to Roth conversion in this case? It appears that Roth conversion wou...
by msheald
Sun Dec 18, 2016 7:59 am
Forum: Investing - Help with Personal Investments
Topic: Optimal Retirement Planner and Early IRA Withdrawals
Replies: 0
Views: 243

Optimal Retirement Planner and Early IRA Withdrawals

Hello! One final question about OPR. I am modeling retiring at age 58. OPR seems to model equal IRA withdrawals to age 59 rather than for 5 years, which is my understanding of the requirement. The tax deferred withdrawal shows about twice as much at age 58 and 59 as for 60 to 65 after which it drops...
by msheald
Sat Dec 17, 2016 7:10 pm
Forum: Investing - Help with Personal Investments
Topic: Question about Optimal Retirement Planner and Asset Allocation
Replies: 2
Views: 439

Re: Question about Optimal Retirement Planner and Asset Allocation

Thank you for the update! I ran several scenarios with the different AAs, but I was wondering if the program might automatically handle it. Best regards.

Mike
by msheald
Sat Dec 17, 2016 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: Question about Optimal Retirement Planner and Asset Allocation
Replies: 2
Views: 439

Question about Optimal Retirement Planner and Asset Allocation

Hello! I've run several withdrawal analyses with OPR, and I have a question about asset allocation. I have savings between divided between Roth, traditional IRA, and taxable accounts. I wanted to run the analysis with a 70/30 bond/stock AA with rebalancing each year (preferably with 1% change each y...
by msheald
Wed Nov 23, 2016 3:15 pm
Forum: Investing - Theory, News & General
Topic: Why International Stocks
Replies: 73
Views: 9013

Re: Why International Stocks

Thank you all for your insights.

Mike
by msheald
Tue Nov 22, 2016 7:11 pm
Forum: Investing - Theory, News & General
Topic: Why International Stocks
Replies: 73
Views: 9013

Why International Stocks

Hello! As I approach retirement, I am making final adjustments to my asset allocation. I have had some Vanguard international stock funds over the years, but I am considering only US bond and Stock funds in retirement. For the last several years, it appears that international stocks correlate with U...
by msheald
Fri Nov 27, 2015 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: Alternate Withdrawal Stragety to Constant Percentage
Replies: 3
Views: 891

Re: Alternate Withdrawal Stragety to Constant Percentage

Thank you for your replies. Best regards.

Mike
by msheald
Thu Nov 26, 2015 8:58 am
Forum: Investing - Help with Personal Investments
Topic: Alternate Withdrawal Stragety to Constant Percentage
Replies: 3
Views: 891

Alternate Withdrawal Stragety to Constant Percentage

Hello! I like the alternate withdrawal strategy that Bogleheads describes for constant percentage (m). The example is for a 70/30 stock/bond allocation, keeping 7-1/2 years in bonds and transferring 6% of the stock portfolio each year to the bond portfolio. Each year, 1/7.5 of the bonds is withdrawn...
by msheald
Wed Nov 25, 2015 6:47 pm
Forum: Investing - Help with Personal Investments
Topic: Will Distribtuions from my 401(a) be Taxable?
Replies: 3
Views: 518

Re: Will Distribtuions from my 401(a) be Taxable?

Thank you! I was wondering if the earnings were taxed even though the contributions are after-tax dollars. Best regards.

Mike
by msheald
Tue Nov 24, 2015 7:45 pm
Forum: Investing - Help with Personal Investments
Topic: Will Distribtuions from my 401(a) be Taxable?
Replies: 3
Views: 518

Will Distribtuions from my 401(a) be Taxable?

Hello! As a government employee, I fully fund my Thrift plan. I also contribute as much as I can to my 401(a). I believe that Thrift contributions are before tax, so all distributions are taxable. I believe that the 401(a) contributions are after tax. Is a 401(a) treated like a Roth in that gains, e...
by msheald
Wed Nov 18, 2015 11:56 am
Forum: Investing - Help with Personal Investments
Topic: After Tax Contributions to tIRA Rollover to Roth?
Replies: 7
Views: 1071

Re: After Tax Contributions to tIRA Rollover to Roth?

Thanks! Turbotax included the appropriate forms for the non-deductible IRA contributions when I filed each year and keeps track of the basis, I need to go back to verify them all. I'll keep the funds in Vanguard stock index funds for now. Over the next couple of years before I retire, I plan on conv...
by msheald
Tue Nov 17, 2015 1:11 pm
Forum: Investing - Help with Personal Investments
Topic: After Tax Contributions to tIRA Rollover to Roth?
Replies: 7
Views: 1071

Re: After Tax Contributions to tIRA Rollover to Roth?

Hello! It looks like my best course would be to rollover the pre-tax portion of my IRA into my employer's plan (a good plan). Then, I can roll over the after-tax amount to my Roth IRA. One question - how are the gains from the non-deductible contributions handled? For example, consider a traditional...
by msheald
Sun Nov 08, 2015 6:49 am
Forum: Investing - Help with Personal Investments
Topic: After Tax Contributions to tIRA Rollover to Roth?
Replies: 7
Views: 1071

After Tax Contributions to tIRA Rollover to Roth?

Hello! For several years, I have made after tax contributions to my tIRA (Vanguard Index funds) since my income is above the Roth IRA limits. I am 56. It looks like I can make a lump sum roll over the after tax contributions to my Roth IRA and leave any earnings in the tIRA. It does not appear that ...
by msheald
Sun Nov 01, 2015 6:13 am
Forum: Investing - Theory, News & General
Topic: Good Withdraw Similator for Retirement?
Replies: 12
Views: 2209

Good Withdraw Similator for Retirement?

Hello! I'm about 2 years from retirement, and I've begun thinking about withdrawal strategies. Are there websites/calculators that help model how different withdrawal assumptions affect income streams? I'd like to try to develop a retirement strategy that would smooth over significant fluctuations i...
by msheald
Sat Aug 29, 2015 5:44 am
Forum: Investing - Help with Personal Investments
Topic: Timber Anyone?
Replies: 12
Views: 2020

Timber Anyone?

Hello! I've met a number of people who have done quite well with timber investments. I've looked into timber from time to time, both the actual land and timber REITs.
Does anyone pursue timber investments? How have you done and what pitfalls have you encountered? Beest regards.

Mike
by msheald
Wed Jul 15, 2015 4:19 pm
Forum: Personal Consumer Issues
Topic: Tax Consequnces of Retiring to VA or TN
Replies: 14
Views: 2168

Re: Tax Consequnces of Retiring to VA or TN

Hello! Thank you for your notes. My initial screen was identifying areas that would in a large part meet my wife's and my lifestyle. To that end, we looked at eastern TN. SW VA, and north/western NC. We briefly looked at KY, but it was a bit farther away from family and friends than we wanted. NC lo...
by msheald
Tue Jul 14, 2015 3:51 pm
Forum: Personal Consumer Issues
Topic: Tax Consequnces of Retiring to VA or TN
Replies: 14
Views: 2168

Re: Tax Consequnces of Retiring to VA or TN

Thank you for your thoughts.

I'm hoping to get a good handle on costs for different locations and then try to answer the question, "Are the non-monetary benefits of a particular locations worth the costs compared to another location?" Best regards.

Mike
by msheald
Mon Jul 13, 2015 10:23 pm
Forum: Personal Consumer Issues
Topic: Tax Consequnces of Retiring to VA or TN
Replies: 14
Views: 2168

Tax Consequnces of Retiring to VA or TN

Hello! I am 55 y/o and will retire in about 3 years. Given lifestyle considerations of my wife and I, we are looking at States in the mid-Atlantic region. From my initial evaluation of taxes, VA and TN would be my top two choices. For an initial evaluation, we looked at Knoxville and Roanoke. Knoxvi...
by msheald
Sat Jul 11, 2015 2:59 am
Forum: Personal Consumer Issues
Topic: New Car or 2014 Used Car Purchase?
Replies: 11
Views: 1553

Re: New Car or 2014 Used Car Purchase?

Hello! My wife and I are returning to the US after working overseas for three years. We will both be working, so we will both need cars at the same time. Consumer Reports lists the Mazda 3 as a little less dependable than the Fit and seems to cost a couple of thousand dollars more when I checked Car...
by msheald
Fri Jul 10, 2015 4:37 pm
Forum: Personal Consumer Issues
Topic: New Car or 2014 Used Car Purchase?
Replies: 11
Views: 1553

New Car or 2014 Used Car Purchase?

Hello! My wife and I will soon be purchasing two cars. We want to purchase models that will last between 10 and 15 years. We will be paying cash. My wife has always owned Hondas, so we will purchase a Honda Accord LX. I will be purchasing a small hatchback, both for good mileage and for transport fo...
by msheald
Thu Jul 09, 2015 11:25 pm
Forum: Investing - Theory, News & General
Topic: TIPS vs. Short Term Bond Funds
Replies: 17
Views: 3779

Re: TIPS vs. Short Term Bond Funds

Hello! Thank you for the insights.

I'm gradually shifting my allocation from about 70/30 stock/bonds to 40/60 over the next three years. I think that I'll forgo holding TIPS till I've completed my allocation change and re-evalaute at that time.

Thank you again.

Mike
by msheald
Tue Jul 07, 2015 8:15 pm
Forum: Investing - Theory, News & General
Topic: TIPS vs. Short Term Bond Funds
Replies: 17
Views: 3779

Re: TIPS vs. Short Term Bond Funds

Hello! Thank you for your replies. Currently, I own Vanguards total bond market index in my retirement account and intermediate term tax exempt in my taxable account. I see that Vanguard short term bond fund has a maturity date of 2.8 years. Is there a way to quantify the historical risk for this pe...
by msheald
Tue Jul 07, 2015 4:20 pm
Forum: Investing - Theory, News & General
Topic: TIPS vs. Short Term Bond Funds
Replies: 17
Views: 3779

TIPS vs. Short Term Bond Funds

Hello! I am new to Bogleheads, so if my question has been addressed in another thread, please direct me there. I have read the Bogleheads retirement guide and some other books on retirement investing, and I am trying to determine what role TIPS might play in my asset allocation. I am 55 and plan to ...