Search found 47 matches

by mwow83
Fri Oct 23, 2015 8:14 am
Forum: Investing - Help with Personal Investments
Topic: Executing Desired Asset Allocation & Future Contributions - detailed and thoughtful post
Replies: 6
Views: 691

Re: Executing Desired Asset Allocation & Future Contributions - detailed and thoughtful post

Can I get some feedback on my notional allocations below? I ran it through the Morningstar X-ray and it looks like the 5year EPS is 9.97% and Yield is 2.35%. Are those good indicators? My targets are provided in the original post (trying to do a Rick Core Four with 30% bonds). Will still need to det...
by mwow83
Thu Oct 22, 2015 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: Executing Desired Asset Allocation & Future Contributions - detailed and thoughtful post
Replies: 6
Views: 691

Re: Executing Desired Asset Allocation & Future Contributions - detailed and thoughtful post

His 401k 25%, S&P 500 SVSPX 10%, Small/Mid Cap Index Equities MASKX 21%, MSCI EAFE Index Equities 5%, Stable Value 403b 20%, FRS Bond Enhanced Index Her 457 7% BlackRock Equity Dividend MADVX His tIRA 7% Van REIT His Roth IRA 5% Van TBM When I plug in those numbers I come up with a little diffe...
by mwow83
Thu Oct 22, 2015 9:58 am
Forum: Investing - Help with Personal Investments
Topic: Executing Desired Asset Allocation & Future Contributions - detailed and thoughtful post
Replies: 6
Views: 691

Re: Executing Desired Asset Allocation & Future Contributions - detailed and thoughtful post

I ignored her 457--are those the lowest ER funds offered?? As you add to your other accounts, the 457 will become more and more insignificant. Correct, those two funds are the lowest ER non-front loaded funds offered. And though we won't be contributing future money, I'd still like to place the cur...
by mwow83
Wed Oct 21, 2015 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: Executing Desired Asset Allocation & Future Contributions - detailed and thoughtful post
Replies: 6
Views: 691

Executing Desired Asset Allocation & Future Contributions - detailed and thoughtful post

I’m thankful for the feedback that I’ve received on other posts regarding specifics to my portfolio. Now that I’m self-proclaimed “more intelligent” with the details and direction of where I want to go – I really need guidance with executing and some recommendations with how to make my AA’s and futu...
by mwow83
Tue Oct 20, 2015 7:31 pm
Forum: Investing - Help with Personal Investments
Topic: Allocating Rick Ferri Core Four | Transfer 457 to IRA??
Replies: 21
Views: 1452

Re: Allocating Rick Ferri Core Four | Transfer 457 to IRA??

Here are the things I would consider doing to improve the portfolio. 1) Stop new contributions to Her 457b because Her 403b is better than Her 457b. If you come to a point where you are filling His 401k and Her 403b, you could consider adding more money to Her 457b at that time. However, I would su...
by mwow83
Tue Oct 20, 2015 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: Allocating Rick Ferri Core Four | Transfer 457 to IRA??
Replies: 21
Views: 1452

Re: Allocating Rick Ferri Core Four | Transfer 457 to IRA??

As far as allocations, my suggestion is to look at the 5-10 or so cheapest funds by ER in the 457b and use the Morningstar X-ray (http://portfolio.morningstar.com/Rtport/Free/InstantXRayDEntry.aspx) to see what they are. I don't see anything in the 457 whose name would suggest a total market index ...
by mwow83
Mon Oct 19, 2015 1:11 pm
Forum: Investing - Help with Personal Investments
Topic: Allocating Rick Ferri Core Four | Transfer 457 to IRA??
Replies: 21
Views: 1452

Re: Allocating Rick Ferri Core Four | Transfer 457 to IRA??

With that information, I'd look for 1 fund in that list that has a relatively low expense ratio and does not have a front end load. She needs to get the ERs from the 457b provider, not from the public internet because the expense ratio could be different inside the plan. My guess is that the best f...
by mwow83
Mon Oct 19, 2015 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: Allocating Rick Ferri Core Four | Transfer 457 to IRA??
Replies: 21
Views: 1452

Re: Allocating Rick Ferri Core Four | Transfer 457 to IRA??

I've updated my original post with specific dollar amounts currently in each account. I've learned that Her 457 cannot be transferred at this time to an IRA. I've also learned that Her 457 has a flat $20 account fee in addition to each funds ER (which seems high). I'm really looking for a recommenda...
by mwow83
Fri Oct 16, 2015 1:14 pm
Forum: Investing - Help with Personal Investments
Topic: Allocating Rick Ferri Core Four | Transfer 457 to IRA??
Replies: 21
Views: 1452

Re: Allocating Rick Ferri Core Four | Transfer 457 to IRA??

I would not use the 457b unless you find out there is some misunderstanding about the ER that is supposed to apply to all the funds. Something is not right there - it may just be some fee other than an expense ratio. I just had my wife call. Big misunderstanding on how the fees were presented - sho...
by mwow83
Fri Oct 16, 2015 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: Allocating Rick Ferri Core Four | Transfer 457 to IRA??
Replies: 21
Views: 1452

Re: Allocating Rick Ferri Core Four | Transfer 457 to IRA??

Based on the contribution amounts you posted, I would not use the 457 at all. It is the least attractive of all the plans you have. Instead, I'd fill Her 403b, His 401k and His and Her IRA or Roth IRA - all before putting any money into the 457b. In fact, in this case, I'd use taxable account befor...
by mwow83
Fri Oct 16, 2015 11:52 am
Forum: Investing - Help with Personal Investments
Topic: Allocating Rick Ferri Core Four | Transfer 457 to IRA??
Replies: 21
Views: 1452

Re: Allocating Rick Ferri Core Four | Transfer 457 to IRA??

retiredjg wrote:How much are you contributing each year to His 401k, Her 403b, His IRA or Roth IRA, Her IRA or Roth IRA, Her 457b, and taxable account? Do you know your tax bracket?

Just updated the original post with all of this information.
by mwow83
Fri Oct 16, 2015 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Allocating Rick Ferri Core Four | Transfer 457 to IRA??
Replies: 21
Views: 1452

Re: Allocating Rick Ferri Core Four | Transfer 457 to IRA??

Question: Do the funds in her 457 plan have individual expense ratios? Or is the 1.77 just a flat expense ratio charged by the plan? I am not clear if the 1.77 expense ratio is your calculation of what she currently holds or if that is a flat rate. 1.77 is the flat expense rate charge by the plan. ...
by mwow83
Fri Oct 16, 2015 9:27 am
Forum: Investing - Help with Personal Investments
Topic: Allocating Rick Ferri Core Four | Transfer 457 to IRA??
Replies: 21
Views: 1452

Allocating Rick Ferri Core Four | Transfer 457 to IRA??

I’ve lurked and posted and lurked some more and need your thoughts. I’ve thoughtfully posted all of my portfolio information below. Admittedly I’m having trouble trying to allocate / rebalance our accounts to our desired target allocations across the multiple accounts that my wife and I own. Also, w...
by mwow83
Thu Oct 15, 2015 7:11 am
Forum: Investing - Help with Personal Investments
Topic: Account Review | Investing for College | Financial/Tax Strategies | Stay at home mom (maybe)
Replies: 12
Views: 886

Re: Account Review | Investing for College | Financial/Tax Strategies | Stay at home mom (maybe)

small_index wrote:You might have skipped over it earlier, but my first post suggested you replace the global REIT with a 50%/50% mix of Vanguard REITs.

Not sure how I would make this happen - the global REIT is in a separate account than the Vanguard REITs...
by mwow83
Wed Oct 14, 2015 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: Account Review | Investing for College | Financial/Tax Strategies | Stay at home mom (maybe)
Replies: 12
Views: 886

Re: Account Review | Investing for College | Financial/Tax Strategies | Stay at home mom (maybe)

Most Bogleheads advocate for the three-fund portfolio (or as close as you can approximate it if the three fund portfolio isn't available to you in your retirement plan(s)): total stock market index, total bond market index, total international stock index. So given all of the funds available to me,...
by mwow83
Wed Oct 14, 2015 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: Account Review | Investing for College | Financial/Tax Strategies | Stay at home mom (maybe)
Replies: 12
Views: 886

Re: Account Review | Investing for College | Financial/Tax Strategies | Stay at home mom (maybe)

You don't really need REITs but if you really want them, make sure you keep them in tax-advantaged accounts. You could use your Roth space to hold REITs and buy a cheaper fund there than is available in your employer's plan. Why wouldn't I want REITs? Should I not have some of my portfolio allocate...
by mwow83
Wed Oct 14, 2015 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: Account Review | Investing for College | Financial/Tax Strategies | Stay at home mom (maybe)
Replies: 12
Views: 886

Re: Account Review | Investing for College | Financial/Tax Strategies | Stay at home mom (maybe)

Do you mean you are using your company's Roth 401k as opposed to traditional 401k? I don't think I'd do that if I were you. First, you already have a Roth. Second, in the 25% tax bracket, you're at the point where most people would recommend investing in the traditional 401k, as opposed to Roth, to...
by mwow83
Wed Oct 14, 2015 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: Account Review | Investing for College | Financial/Tax Strategies | Stay at home mom (maybe)
Replies: 12
Views: 886

Re: Account Review | Investing for College | Financial/Tax Strategies | Stay at home mom (maybe)

Your 401k looks great, but I'd drop that global real estate fund, which is too expensive. So if I drop the global real estate fund, where should I put the money from the available funds? You should max out your plan if you can before investing in any kind of IRA, to reduce your tax liability. You d...
by mwow83
Wed Oct 14, 2015 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: Account Review | Investing for College | Financial/Tax Strategies | Stay at home mom (maybe)
Replies: 12
Views: 886

Re: Account Review | Investing for College | Financial/Tax Strategies | Stay at home mom (maybe)

The section "Her 457 deferred compensation" lists only bond funds. I've never seen a retirement plan that has no stocks. Can you confirm that is the complete list? The sales load and expenses there are high, so I'm also asking to see if there's any no-load options. Found the complete list...
by mwow83
Wed Oct 14, 2015 7:00 am
Forum: Investing - Help with Personal Investments
Topic: Account Review | Investing for College | Financial/Tax Strategies | Stay at home mom (maybe)
Replies: 12
Views: 886

Account Review | Investing for College | Financial/Tax Strategies | Stay at home mom (maybe)

Would very much appreciate a review of our accounts as well as advice on educational investing and financial strategies if my wife decides to stay at home with our newborn son. Upfront questions: 1. Do our investments meet our desired target allocation of 40% U.S. stock, 30% Intm bond, 20% Foreign S...
by mwow83
Mon Oct 20, 2014 8:30 am
Forum: Investing - Theory, News & General
Topic: Utah 529: new DFA funds and lower fees
Replies: 31
Views: 5654

Re: Utah 529: new DFA funds and lower fees

Robert, would you please share the customized age-based allocation mix that you decide on? For awareness/info. Many thanks. The allocation below closely matched my long-term investment policy allocation in terms of: (i) Global equity diversification - close to a constant equity allocation of 50:37:...
by mwow83
Sun Oct 19, 2014 11:30 am
Forum: Investing - Help with Personal Investments
Topic: Saving for College - Help choosing 529 plan
Replies: 11
Views: 1570

Re: Saving for College - Help choosing 529 plan

I greatly appreciate the comments. I’ve spent a few hours searching the forums and reading about each of the following plans that I’ve outlined below. I plan to select one as my path forward – just need suggestions on each and recommendations on asset allocations. Utah 529 Plan: Current aged-based i...
by mwow83
Sat Oct 18, 2014 9:10 am
Forum: Investing - Help with Personal Investments
Topic: Saving for College - Help choosing 529 plan
Replies: 11
Views: 1570

Re: Saving for College - Help choosing 529 plan

What's the benefit to funding a 527 plan vs say funding the Vanguard Balanced Index Fund Investor Shares fund? Since Florida has no state income tax there are no bennies for the 527... at least I don't think.
by mwow83
Sat Oct 18, 2014 7:16 am
Forum: Investing - Help with Personal Investments
Topic: Saving for College - Help choosing 529 plan
Replies: 11
Views: 1570

Re: Saving for College - Help choosing 529 plan

You should max. out a Coverdell first. Unfortunately, Vanguard does not offer them. The spending conditions from a Coverdell are more permissive than from a 529. Any advice on where to purchase the Coverdell from? I'm such a fan of Vanguard with the low fee options. I hope the Coverdell has similar...
by mwow83
Sat Oct 18, 2014 4:08 am
Forum: Investing - Help with Personal Investments
Topic: Saving for College - Help choosing 529 plan
Replies: 11
Views: 1570

Saving for College - Help choosing 529 plan

My wife and I are expecting our first child next February. We have started looking into different investment vehicles to help save for college. We live in Florida - so there isn't any tax benefits with contributing to any plan. It appears the options are either purchase a prepaid plan, invest into a...
by mwow83
Tue Jan 29, 2013 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: Annual Investment Portfolio Checkup
Replies: 4
Views: 722

Re: Annual Investment Portfolio Checkup

I really need help making sure my target allocation is correct. Really looking forward to your comments! I'm not really sure what your question(s) actually are. Are you wanting to make sure your math is correct? One thing that might help, in your original post, can you make the percentages be the a...
by mwow83
Tue Jan 29, 2013 10:42 am
Forum: Investing - Help with Personal Investments
Topic: Annual Investment Portfolio Checkup
Replies: 4
Views: 722

Re: Annual Investment Portfolio Checkup

I really need help making sure my target allocation is correct. Really looking forward to your comments!
by mwow83
Tue Jan 29, 2013 8:38 am
Forum: Investing - Help with Personal Investments
Topic: Annual Investment Portfolio Checkup
Replies: 4
Views: 722

Annual Investment Portfolio Checkup

It's that time of year again and need an annual Boglehead checkup. I'd like to meet my target allocation of 40% U.S. stock, 30% Intm bond, 20% Foreign Stock, 10% Real Estate (REIT). Our Info: Emergency Fund: Yes - 12months Debt: $170k mortgage @ 3.375% Tax Filing: Married filing Jointly Tax Rate: 25...
by mwow83
Mon Jul 16, 2012 7:16 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on Intermediate Bonds for 457
Replies: 3
Views: 1592

Re: Advice on Intermediate Bonds for 457

And frankly, there is something unseemly about a bond fund wanting 3.75%-4.50% up front in a time when yields are so low. Go with PIMCO Total Return. Skip the up front load(s). Thank you. My thoughts exactly how bonds want that kind of upfront load. Either way, just wanted to do a sanity check. App...
by mwow83
Mon Jul 16, 2012 5:52 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on Intermediate Bonds for 457
Replies: 3
Views: 1592

Advice on Intermediate Bonds for 457

You have all helped me so much consolidate and lean my portfolio - I have just one more favor! I'm looking to put money into Intermediate Bonds, my wife's 457 has the following options: Neuberger Berman Core Bond (NCRAX, 0.87% and 4.25% Front Load) PIMCO Total Return (PTRRX, 1.1%) Federated Bond (FD...
by mwow83
Sun Jul 08, 2012 7:47 am
Forum: Investing - Help with Personal Investments
Topic: Which account to place cash?
Replies: 5
Views: 737

Re: Which account to place cash?

If you're looking to use this money in the near-term, perhaps a money market. Granted the best rates I've seen are from Ally right now (around 0.8%), but the money can be used as if it were in a Savings account. Good luck
by mwow83
Sat Jul 07, 2012 10:54 am
Forum: Investing - Help with Personal Investments
Topic: Part2 of Recently Married | Need Portfolio Help
Replies: 18
Views: 1342

Re: Part2 of Recently Married | Need Portfolio Help

EDITS: misunderstood OP's current vs. proposed. Revised version here. I misunderstood that you were switching the 457 to a new Her Traditional IRA Taxable 4% I Bond His 401k <--- Future contributions, $16,590 per year, go here, in same proportions 34% S&P 500 Indexed Equity Fund SVSPX (0.11%) 8...
by mwow83
Fri Jul 06, 2012 7:19 pm
Forum: Investing - Help with Personal Investments
Topic: Part2 of Recently Married | Need Portfolio Help
Replies: 18
Views: 1342

Re: Part2 of Recently Married | Need Portfolio Help

In my opinion your desired asset allocation is within the range of what is reasonable. In constructing a portfolio, generally strive for a combination of low cost and broad diversification. Fortunately the 401k and 403b have some nice choices, so there are probably several good ways to do this. If ...
by mwow83
Fri Jul 06, 2012 7:10 pm
Forum: Investing - Help with Personal Investments
Topic: Part2 of Recently Married | Need Portfolio Help
Replies: 18
Views: 1342

Re: Part2 of Recently Married | Need Portfolio Help

First off, Easy Rhino and hoppy08520 - THANK YOU! I appreciate your help. Her 457 4% Her 457B I'm planning to pull the 457B from the advisor and invest in a traditional IRA at Vanguard, which do you recommend to fit within our overall portfolio? HER Roth 0% Vanguard TBM I'm confused with the 0%... A...
by mwow83
Fri Jul 06, 2012 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: Part2 of Recently Married | Need Portfolio Help
Replies: 18
Views: 1342

Re: Part2 of Recently Married | Need Portfolio Help

Hello, I'm trying to come up with a possibility but I'm stuck on how/where to send new contributions. I'm trying to come up with something that is reasonably balanced today and which can also stay balanced given ongoing contributions without needing to do frequent rebalancing/exchanging. You give f...
by mwow83
Fri Jul 06, 2012 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: Part2 of Recently Married | Need Portfolio Help
Replies: 18
Views: 1342

Re: Part2 of Recently Married | Need Portfolio Help

Do you know what investments are available in her 457 plan/advisor? The other question is if she's allowed to do a transfer out of her 457 while still employed. The main reason we'd like to pull the money is because the advisor won't share that information. He's states that this is a "managed&...
by mwow83
Fri Jul 06, 2012 4:22 pm
Forum: Investing - Help with Personal Investments
Topic: Part2 of Recently Married | Need Portfolio Help
Replies: 18
Views: 1342

Re: Part2 of Recently Married | Need Portfolio Help

unless you have somewhat significant other income that you aren't listing, I think you can get to the 15% bracket... but depends if you want to break that $20K savings item you've listed... and also depends on the restriction of 3% for wife contributions. What's the deal there anyway? We don't have...
by mwow83
Fri Jul 06, 2012 1:31 pm
Forum: Investing - Help with Personal Investments
Topic: Part2 of Recently Married | Need Portfolio Help
Replies: 18
Views: 1342

Re: Part2 of Recently Married | Need Portfolio Help

You left out an important part, unless your earlier post settled the question, which is what funds you're going to use. Not much point in looking at your "current" portfolio if you don't have your "proposed" portfolio. I was hoping the community could help with that, based on th...
by mwow83
Fri Jul 06, 2012 8:02 am
Forum: Investing - Help with Personal Investments
Topic: Part2 of Recently Married | Need Portfolio Help
Replies: 18
Views: 1342

Part2 of Recently Married | Need Portfolio Help

I’ve been lurking for some time now and have posted a few questions – thank you all for the feedback. I’m getting ready to make changes to our (my wife and my) retirements accounts. The feedback I got was that I need to view everything we have as one portfolio - I couldn't agree more. Our goal is to...
by mwow83
Tue Jul 03, 2012 10:42 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for In-laws to Save Money Toward Retirement
Replies: 4
Views: 535

Re: Advice for In-laws to Save Money Toward Retirement

mptfan wrote:Did they ask you for help? In my experience, unsolicited financial advice is not well received.


I agree - I certainly wouldn't tread on those waters. The help was solicited.
by mwow83
Tue Jul 03, 2012 9:43 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for In-laws to Save Money Toward Retirement
Replies: 4
Views: 535

Advice for In-laws to Save Money Toward Retirement

Looking for advice for my in-laws. They're in their mid-50's and don't have much saved for retirement, due to health issues that occurred years ago. Right now, I'm trying to help create a portfolio - with $20k where they can put money with low risk and yield a better return than a standard savings a...
by mwow83
Tue Jul 03, 2012 9:37 pm
Forum: Investing - Help with Personal Investments
Topic: Recently Married | Personal Investment Recommendations
Replies: 13
Views: 1477

Re: Recently Married | Personal Investment Recommendations

In my opinion your desired asset allocation is within the range of what is reasonable. In constructing a portfolio, generally strive for a combination of low cost and broad diversification. Fortunately the 401k and 403b have some nice choices, so there are probably several good ways to do this. If ...
by mwow83
Tue Jul 03, 2012 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: Recently Married | Personal Investment Recommendations
Replies: 13
Views: 1477

Re: Recently Married | Personal Investment Recommendations

I appreciate the comments so far - I've updated my original post with all of the relevant info.

An additional question: Which Vanguard funds should I contribute toward with both (his and her's) IRA money? Right now it's the Wellington (VWELX) and Target 2050 Fund (VFIFX)...
by mwow83
Mon Jul 02, 2012 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: Recently Married | Personal Investment Recommendations
Replies: 13
Views: 1477

Re: Recently Married | Personal Investment Recommendations

We need the selections (with expenses) for the 401(k)/403(b)/457. Brian His 401k options (couldn't find fees of ticker symbols): Government Short Term Investment Fund HSJYX (0.17%) Stable Value Fund (0.3%) Broad Market Bond Index Fund NOBOX (0.13%) S&P 500 Indexed Equity Fund SVSPX (0.11%) Valu...
by mwow83
Mon Jul 02, 2012 5:40 pm
Forum: Investing - Help with Personal Investments
Topic: Recently Married | Personal Investment Recommendations
Replies: 13
Views: 1477

Re: Recently Married | Personal Investment Recommendations

Are those CD's part of the emergency fund, or just cash sloshing around in your life? Not part of the emergency fund, just extra cash sloshing around :) And for the 457, i don't know what "managed" means, and 0.25% expense ratios seem far too low, I wonder if the advisor is charging a fee...
by mwow83
Mon Jul 02, 2012 1:27 pm
Forum: Investing - Help with Personal Investments
Topic: Recently Married | Personal Investment Recommendations
Replies: 13
Views: 1477

Re: Recently Married | Personal Investment Recommendations

We need the selections (with expenses) for the 401(k)/403(b)/457. Brian His 401k options (couldn't find fees of ticker symbols): Government Short Term Investment Fund Stable Value Fund Broad Market Bond Index Fund S&P 500 Indexed Equity Fund Value Equity Fund Investment Company of America Fund ...
by mwow83
Mon Jul 02, 2012 7:41 am
Forum: Investing - Help with Personal Investments
Topic: Recently Married | Personal Investment Recommendations
Replies: 13
Views: 1477

Recently Married | Personal Investment Recommendations

First and foremost, thank you. I appreciate any comments, recommendations, and/or insight anyone can provide with me regarding investing. These forums appear to be a wealth of knowledge and I've been extremely impressed with the recommendations and insights that those commenting have provided. My wi...

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