Search found 10 matches

by optionengineer
Sat May 20, 2017 7:19 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone use Motif Investing?
Replies: 4
Views: 670

Re: Anyone use Motif Investing?

I used it before I became a boglehead. I can't recommend it though, because it forces you to take market orders on all the orders that you place within a "motif," which over time could lose a lot to slippage. And I felt it tried to make investing too much like a game, which in my eyes alwa...
by optionengineer
Thu May 18, 2017 9:58 am
Forum: Investing - Help with Personal Investments
Topic: No longer able to deduct tIRA contributions - but should I Backdoor?
Replies: 14
Views: 1053

Re: No longer able to deduct tIRA contributions - but should I Backdoor?

Sounds like all is well and ready to go. Good job! A small suggestion. Download and pencil through Form 8606 pretending you have already done the "back door". The front side documents your non-deductible contribution. The back side documents the Roth conversion. These are the two steps fo...
by optionengineer
Thu May 18, 2017 9:31 am
Forum: Investing - Theory, News & General
Topic: Personal Capital's asset allocation - Is the tool worth the complication?
Replies: 8
Views: 1037

Re: Personal Capital's asset allocation - Is the tool worth the complication?

MnD wrote:I use PC and it never even occurred to me to adopt their allocation model. Suggest you just ignore it.
Only one small section of the numerous displays and tools compares your AA to a model AA.


Good call - It never made me comfortable holding REITs aside from their exposure in VTI.
by optionengineer
Thu May 18, 2017 9:31 am
Forum: Investing - Theory, News & General
Topic: Personal Capital's asset allocation - Is the tool worth the complication?
Replies: 8
Views: 1037

Re: Personal Capital's asset allocation - Is the tool worth the complication?

livesoft wrote:See also:
viewtopic.php?t=150267


Thanks for sharing this post! Good thoughts around the different AA management tools.
by optionengineer
Thu May 18, 2017 9:22 am
Forum: Investing - Help with Personal Investments
Topic: Bogleheading with TD Ameritrade
Replies: 11
Views: 793

Re: Bogleheading with TD Ameritrade

Great, great advice and feedback. I will definitely go the ETF route - I already have the Commission free ETFs and DRIP, so I've really got no excuse Interesting about funding HSA not through payroll deductions. I was not aware I could do that, but I think I am in the camp preferring to avoid the FI...
by optionengineer
Thu May 18, 2017 6:53 am
Forum: Investing - Help with Personal Investments
Topic: Bogleheading with TD Ameritrade
Replies: 11
Views: 793

Bogleheading with TD Ameritrade

I have an HSA account with TD Ameritrade. Just curious to the folks here, how would you integrate this account into an overall Asset Allocation? Looking at their list of mutual funds, the lowest expense ratio for No-Transaction-Fee funds is .16% Net, .20% Gross: https://www.screencast.com/t/8rEdRisV...
by optionengineer
Thu May 18, 2017 6:42 am
Forum: Investing - Theory, News & General
Topic: Personal Capital's asset allocation - Is the tool worth the complication?
Replies: 8
Views: 1037

Personal Capital's asset allocation - Is the tool worth the complication?

Hey everyone, I'm sure this has been posted here before, and for that I apologize, but I wasn't able to find any useful results using the search bar (I tried, I promise!) I love Personal capital for monitoring my AA across all my accounts, the retirement planner tool, and looking at cash flow. I am ...
by optionengineer
Thu May 18, 2017 6:06 am
Forum: Investing - Help with Personal Investments
Topic: No longer able to deduct tIRA contributions - but should I Backdoor?
Replies: 14
Views: 1053

Re: No longer able to deduct tIRA contributions - but should I Backdoor?

Thanks for all the input. I'll clarify a bit more and let you know my plans. This is extremely helpful: tIRA: 41k (rolled over from 401k. After reviewing turbo-tax, it looks like she received the 5,500 deduction here). Let's go over this part again. Apparently there was a rollover. Did you put Her c...
by optionengineer
Wed May 17, 2017 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: No longer able to deduct tIRA contributions - but should I Backdoor?
Replies: 14
Views: 1053

Re: No longer able to deduct tIRA contributions - but should I Backdoor?

Wow, you guys are amazing. Thanks for all the replies. I should have been more clear on the statuses of my accounts. I'll break it down by person: Me Income: ~120k 401(k): 146k Roth: 12k tIRA: 6k (All after tax money, non-deductible in 2016 due to income) HSA: 9k Spouse Income: ~150k or so projected...
by optionengineer
Wed May 17, 2017 7:57 am
Forum: Investing - Help with Personal Investments
Topic: No longer able to deduct tIRA contributions - but should I Backdoor?
Replies: 14
Views: 1053

No longer able to deduct tIRA contributions - but should I Backdoor?

Hi all, I feel a bit like the prodigal son. Was hardcore Boglehead for years, but recently have taken a few benders with attempted market timing, options trading, and alternative investments. Years later and lessons learned, I am back in the fold, but have a practical question on the backdoor Roth. ...