Search found 61 matches

by ray333
Thu Mar 23, 2017 10:25 pm
Forum: Investing - Help with Personal Investments
Topic: Selling mutual funds in a ROTH
Replies: 13
Views: 820

Re: Selling mutual funds in a ROTH

Thanks guess it just needs to sweep into my settlement fund

Hypothetically I could put the 17000 into S and P index Admiral?
by ray333
Thu Mar 23, 2017 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: Selling mutual funds in a ROTH
Replies: 13
Views: 820

Re: Selling mutual funds in a ROTH

Sold my funds ... 17050 available ... does this debit/credit go into my settlement fund and then I can reinvest the 17000? it says its available to trade, I just don't know how to buy. would I "exchange" from my settlement fund ... tomorrow will be 3 business days
by ray333
Thu Mar 23, 2017 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: Total Stock Market Admiral in both taxable and IRA?
Replies: 9
Views: 588

Re: Total Stock Market Admiral in both taxable and IRA?

As mentioned in your other thread, you'll get better advice if you follow the forum's guidelines for asking portfolio questions. You should also keep everything in one place so others can make informed suggestions :) Sorry I usually post from my phone ... guess these questions aren't as straight fo...
by ray333
Thu Mar 23, 2017 2:18 pm
Forum: Investing - Help with Personal Investments
Topic: Total Stock Market Admiral in both taxable and IRA?
Replies: 9
Views: 588

Total Stock Market Admiral in both taxable and IRA?

Sold my American Funds, considering total market in my Roth ... already own Total Market in my taxable (probably my only holding in that account) Is owning the same fund in 2 accounts a no no? Should I tilt towards large cap with the s and p index in my Roth? Basically dollar cost average into the t...
by ray333
Thu Mar 23, 2017 8:53 am
Forum: Investing - Help with Personal Investments
Topic: Major Portfolio Overhaul
Replies: 8
Views: 713

Re: Major Portfolio Overhaul

1,000 apologies ... currently 15% tax bracket, will be doubling salary next year into 25% bracket ... basically, will be spending the rest of my life in a higher bracket starting 2018 taxable account is part of my retirement savings, and I don't plan on adding another fund outside of total market ad...
by ray333
Thu Mar 23, 2017 8:31 am
Forum: Investing - Help with Personal Investments
Topic: Major Portfolio Overhaul
Replies: 8
Views: 713

Re: Major Portfolio Overhaul

Thanks! Would it be wise to have Total Market in my Roth & Taxable brokerage? I assume overtime I can convert some of the Total market to a bond fund [within the Roth] and rebalance accordingly. Maybe go with S&P 500 in the Roth and tilt more towards the bluechip/large cap? Is the total bond...
by ray333
Wed Mar 22, 2017 10:38 pm
Forum: Investing - Help with Personal Investments
Topic: Major Portfolio Overhaul
Replies: 8
Views: 713

Re: Major Portfolio Overhaul

For my asset allocation, are savings accounts included? If so, I can have a 20K emergency fund and 70K highly aggressive portfolio (should market drop significantly, I will be dumping at least 1 more 10K lump sum into total market at reduced cost and riding it out) Ideally I'd like to keep 20-30K in...
by ray333
Wed Mar 22, 2017 7:48 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer From American Funds
Replies: 3
Views: 178

Re: Transfer From American Funds

Roth should be a non issue ... I'm in the process of transferring a SIMPLE IRA @ American Funds to Vanguard and was directed to first transfer to traditional IRA and then basically do whatever I want with it. I'm sure your advice would be something similar, but I'd call just to make sure [I've had n...
by ray333
Wed Mar 22, 2017 7:09 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Lousy Customer Service
Replies: 84
Views: 5783

Re: Vanguard Lousy Customer Service

I transferred a roth, opened a brokerage, and this morning submitted my simple ira transfer (eventual roll into Roth) ... I've probably called vanguard 100 times over the last 2-3 weeks, nothing but positives regarding their customer service 1 guy was so thorough I had to cut him off so I could get ...
by ray333
Wed Mar 22, 2017 2:40 pm
Forum: Investing - Help with Personal Investments
Topic: Major Portfolio Overhaul
Replies: 8
Views: 713

Re: Major Portfolio Overhaul

Sorry I realized that bond fund was a mix ... I'll have 17000 available Friday and another 5-6K hopefully next week ... Would it be crazy to fund my total market in my taxable monthly and then have s and p / international with my Roth? I know Total includes the s and p ... didn't know if it'd be wis...
by ray333
Wed Mar 22, 2017 9:10 am
Forum: Investing - Help with Personal Investments
Topic: Major Portfolio Overhaul
Replies: 8
Views: 713

Major Portfolio Overhaul

Sold my American Funds/Rolled Roth to Vanguard (17000) ... in process of transferring SIMPLE to Vanguard (6700) and then rolling that into my Roth (23K) ... Brokerage Account (13K, will be dollar cost averaging another 12K rest of year - 25K total) Approximately 50K portfolio ... taxable will remain...
by ray333
Tue Mar 21, 2017 11:23 pm
Forum: Investing - Help with Personal Investments
Topic: taxable accounts
Replies: 10
Views: 821

Re: taxable accounts

when rebalancing ... should I consider my taxable account and Roth as 1 entity? ~50,000 total between Roth / brokerage, would 45K stock 5K bond essentially be a 90/10 breakdown? Are bonds/International better in a Roth vs taxable? Is the total bond admiral the best bet? Ive got total market admiral ...
by ray333
Mon Mar 20, 2017 9:29 pm
Forum: Investing - Help with Personal Investments
Topic: Making my 1st investment
Replies: 28
Views: 1654

Re: Making my 1st investment

So liquidate SIMPLE, then roll into Roth?
by ray333
Mon Mar 20, 2017 9:24 pm
Forum: Investing - Help with Personal Investments
Topic: SIMPLE IRA transfer to vanguard
Replies: 5
Views: 152

Re: SIMPLE IRA transfer to vanguard

$6700 total. well past the 2 year threshold (almost a decade old) first job out of college pretty much forgot about the account - now obviously trying to get all my investments under the vanguard umbrella. If I understand correctly, I can only roll up to the 5,500 limit? (Recently rolled a Roth over...
by ray333
Mon Mar 20, 2017 8:42 pm
Forum: Investing - Help with Personal Investments
Topic: SIMPLE IRA transfer to vanguard
Replies: 5
Views: 152

SIMPLE IRA transfer to vanguard

considering liquidating my American funds simple and rolling into my Vanguard Roth [I know there will be a tax hit, but its only 6700 in there and I will be in a higher bracket in 2018]. Am I missing something? I do not see SIMPLE IRA on the pull down menu to initiate the transfer ... Would I select...
by ray333
Mon Mar 20, 2017 7:52 pm
Forum: Investing - Help with Personal Investments
Topic: US / International Equity
Replies: 6
Views: 244

Re: US / International Equity

Honestly I was just looking for another index to buy into the admiral shares ... 15000 to play with, considered dollar cost averaging into total us stock rest of the year or buying an admiral share of international. taxable account
by ray333
Mon Mar 20, 2017 7:42 pm
Forum: Investing - Help with Personal Investments
Topic: US / International Equity
Replies: 6
Views: 244

Re: US / International Equity

I was previously advised to be around 80/20 US/Int ... I was just wondering if, in a high price market, the Total International Admiral Shares were "cheap" / more prudent to buy into currently Is a 50/50 US/International allocation insane? Do the respective markets often balance each other...
by ray333
Mon Mar 20, 2017 7:33 pm
Forum: Investing - Help with Personal Investments
Topic: US / International Equity
Replies: 6
Views: 244

US / International Equity

With US stocks sky high, is now a good time to buy the rest o' the world? Would Admiral Shares of Total International Stock Index be a wise choice in taxable accounts? Currently @ approx 80/20 US/International mix in equity ... long term outlook (32), diversify further and basically invest in the re...
by ray333
Mon Mar 20, 2017 8:23 am
Forum: Investing - Help with Personal Investments
Topic: Selling mutual funds in a ROTH
Replies: 13
Views: 820

Re: Selling mutual funds in a ROTH

My Roth at NW Mutual I believe was transferred direct (no check / American Funds transferred as is). My SIMPLE has 6 American Funds and I know they'll be a tax hit to convert ... would I need to convert to a Traditional at Vanguard and then roll that to a Roth? I messaged Vanguard directly because I...
by ray333
Sun Mar 19, 2017 8:37 pm
Forum: Investing - Help with Personal Investments
Topic: Selling mutual funds in a ROTH
Replies: 13
Views: 820

Re: Selling mutual funds in a ROTH

it's only ~6700 in the simple and I'm on track for a significant salary increase in 2018, so was thinking take the tax hit and hide the rest to grow tax free ... so I can roll it into a Roth despite recently transferring the Roth? I was under the impression you could only "transfer" 1 IRA ...
by ray333
Sun Mar 19, 2017 6:50 pm
Forum: Investing - Help with Personal Investments
Topic: Selling mutual funds in a ROTH
Replies: 13
Views: 820

Re: Selling mutual funds in a ROTH

if I were to then transfer a SIMPLE IRA to this Roth, should I have AF liquidate the funds (6 funds in the SIMPLE) prior to rolling over? Would I have to wait to do this since I technically transferred my Roth this year already? Not 100% on whether I can transfer multiple IRAs in the same year. As a...
by ray333
Sun Mar 19, 2017 6:33 pm
Forum: Investing - Help with Personal Investments
Topic: Selling mutual funds in a ROTH
Replies: 13
Views: 820

Re: Selling mutual funds in a ROTH

good to know! bonds better off in a Roth compared to my taxable brokerage?
by ray333
Sun Mar 19, 2017 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: Selling mutual funds in a ROTH
Replies: 13
Views: 820

Selling mutual funds in a ROTH

Recently moved my account to Vanguard ... American Funds transferred to Vanguard without an issue ... .7 expense ratio however and despite performing very well, I'm considering going with cheaper Vanguard Alternatives (3 fund portfolio) Can I sell my American Funds and buy Vanguard Funds? 17000 in t...
by ray333
Sun Mar 19, 2017 5:36 pm
Forum: Investing - Theory, News & General
Topic: It's worth remembering that bull markets don't last forever
Replies: 95
Views: 6483

Re: It's worth remembering that bull markets don't last forever

... so don't buy into equities at the moment?
by ray333
Sat Mar 18, 2017 12:11 pm
Forum: Investing - Help with Personal Investments
Topic: Making my 1st investment
Replies: 28
Views: 1654

Re: Making my 1st investment

the "emergency fund" is excessive, but probably buying a house in the next couple years ... my income is stable and going to be doubling [at least] in 2018, just a matter of whether I stay in a school system or go private sector (so "stable", but not exactly certain - if that mak...
by ray333
Sat Mar 18, 2017 6:41 am
Forum: Investing - Help with Personal Investments
Topic: IRA Rollovers
Replies: 3
Views: 251

Re: IRA Rollovers

bump ... recap: maxed out Roth for 2017, rolled to Vanguard and opened separate brokerage account, 414h at work, SIMPLE IRA, 40,000 savings ... total approx 85-90K no debt with significant salary increase on the horizon for 2018. age 32. Am I able to roll over a SIMPLE and ROTH in the same calendar ...
by ray333
Fri Mar 17, 2017 11:31 am
Forum: Investing - Help with Personal Investments
Topic: Making my 1st investment
Replies: 28
Views: 1654

Re: Making my 1st investment

Yeah thinking I'll do larger sums more spread out ... am I way off base on how to rebalance over time? As I age / Roth builds up was thinking I'd convert to some sort of bond Admiral share in a few years, build up the equities in my brokerage and treat all my accounts as 1 entity For now I'm NOT ris...
by ray333
Thu Mar 16, 2017 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: Making my 1st investment
Replies: 28
Views: 1654

Re: Making my 1st investment

would more spread out/ higher sums (2000 investment every 4 months for example) be more beneficial than 500 monthly?
by ray333
Thu Mar 16, 2017 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation - Help with rebalancing
Replies: 19
Views: 1430

Re: Asset Allocation - Help with rebalancing

When rebalancing, is it something that needs to be done annually or is it on a case by case basis. Example: Plan on being 90-95% equity for the next 5-10 years (DCA, possibly another lump sum should market drop prices significantly)... if I'm at 95% equity and decide I'd like to be 70/30 by age 40 [...
by ray333
Thu Mar 16, 2017 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: Making my 1st investment
Replies: 28
Views: 1654

Re: Making my 1st investment

DCA 500 regardless of what's happening ... don't freak out if market crashes - in fact, buy more Shares at the significantly reduced cost (another lump sum), ride out and enjoy the long term gains - rebalance as I age I will be primarily in equities for the next 5-10 years, basically put 500 a month...
by ray333
Wed Mar 15, 2017 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: IRA Rollovers
Replies: 3
Views: 251

Re: IRA Rollovers

Yes, you have the choice to roll the SIMPLE IRA over to either a TIRA or a Roth IRA. The Roth conversion will of course be taxable, so the best decision on which IRA type to roll the SIMPLE into is based on the comparison of the marginal rate you would pay for the conversion to the marginal rate yo...
by ray333
Wed Mar 15, 2017 5:20 pm
Forum: Investing - Help with Personal Investments
Topic: Making my 1st investment
Replies: 28
Views: 1654

Re: Making my 1st investment

orca91 wrote:Nicely done.


Thanks! ... about 3:45 I just told myself "stop waiting" and just did it on my phone. Feels good. I assume it clears tomorrow?
by ray333
Wed Mar 15, 2017 5:19 pm
Forum: Investing - Help with Personal Investments
Topic: IRA Rollovers
Replies: 3
Views: 251

IRA Rollovers

Completed my Roth IRA rollover from NW Mutual to Vanguard and will be investing in Vanguard funds from that account going forward ... I also have a SIMPLE IRA (American Funds) from first employer (contributed 1500, worth 6700 - cool, haven't touched it in almost a decade). Can I roll over 2 IRAs in ...
by ray333
Wed Mar 15, 2017 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: Making my 1st investment
Replies: 28
Views: 1654

Re: Making my 1st investment

Trigger pulled .. 10500 total market Admiral Shares ... giddy up.
by ray333
Wed Mar 15, 2017 2:52 pm
Forum: Investing - Theory, News & General
Topic: BND Jumps 0.5% on Fed Announcement
Replies: 43
Views: 4161

Re: BND Jumps 0.5% on Fed Announcement

Hope so, just bought my first Admiral Shares!
by ray333
Wed Mar 15, 2017 2:29 pm
Forum: Investing - Theory, News & General
Topic: BND Jumps 0.5% on Fed Announcement
Replies: 43
Views: 4161

Re: BND Jumps 0.5% on Fed Announcement

Is now still a good time to buy in equities?
by ray333
Wed Mar 15, 2017 2:10 pm
Forum: Investing - Theory, News & General
Topic: BND Jumps 0.5% on Fed Announcement
Replies: 43
Views: 4161

Re: BND Jumps 0.5% on Fed Announcement

I'm new to this game, but isn't this defying all logic or am I missing something
by ray333
Wed Mar 15, 2017 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: Making my 1st investment
Replies: 28
Views: 1654

Re: Making my 1st investment

Apologies for the confusion ... typed on my phone, missed that mistake. For the record, I am NOT risk averse and am well aware there will be market corrections / crashes before I retire ... those are the times I plan on buying even more. Just wanted to make sure I have somewhat of an understanding o...
by ray333
Wed Mar 15, 2017 8:47 am
Forum: Investing - Help with Personal Investments
Topic: Making my 1st investment
Replies: 28
Views: 1654

Re: Making my 1st investment

With regards to rebalancing (taxable acct) ... do you maintain AA annually or would eventually buying Admiral Share in bonds in a few years be sufficient and ultimately balance the portfolio? Also, bonds better in Roth/tax advantaged accounts? Already maxed my Roth for this year, just thinking going...
by ray333
Tue Mar 14, 2017 8:32 pm
Forum: Investing - Help with Personal Investments
Topic: Making my 1st investment
Replies: 28
Views: 1654

Re: Making my 1st investment

International better in brokerage taxable account or Roth?
by ray333
Tue Mar 14, 2017 11:42 am
Forum: Investing - Help with Personal Investments
Topic: Making my 1st investment
Replies: 28
Views: 1654

Re: Making my 1st investment

Thank you! Just wanted to touch base before pulling the trigger ... Investing always seemed more complicated then it actually is.

So glad I found this place.
by ray333
Tue Mar 14, 2017 11:14 am
Forum: Investing - Help with Personal Investments
Topic: Making my 1st investment
Replies: 28
Views: 1654

Re: Making my 1st investment

Sorry I forgot to include a 414h at work. My significant pay increase will either be in school system or private sector (401k if I go that route) I maxed out my Roth already. Apologies, forgot to include that. The 414h is very conservative, but it was auto enrollment and they match, so no brainer fo...
by ray333
Tue Mar 14, 2017 10:27 am
Forum: Investing - Help with Personal Investments
Topic: Making my 1st investment
Replies: 28
Views: 1654

Making my 1st investment

Technically I have about 24,000 already in play between ROTH/Simple from first job (about 90/10 allocation), but this is my first "lone wolf" brokerage investment. Quick stats: No debt, $40000 "emergency fund" if I invest $20,000 (will be investing more if market plummets, but do...
by ray333
Mon Mar 13, 2017 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: Investing when market is peaking
Replies: 49
Views: 5078

Re: Investing when market is peaking

* Should i auto reinvest my dividends? Forgot to ask this earlier
by ray333
Mon Mar 13, 2017 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: Investing when market is peaking
Replies: 49
Views: 5078

Re: Investing when market is peaking

Thank you very much Paul! Glad I found this place. Taking the plunge after fed announces rate hikes ... then DCA all the way! Would it be wiser to have my bonds in the Roth tax free account as I balance my portfolio over time?It's about to become about 95% equity once I buy into the total market. Ma...
by ray333
Mon Mar 13, 2017 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: Total Stock Market Fund
Replies: 13
Views: 1896

Re: Total Stock Market Fund

Sorry I meant which "index" closely represents how this total market fund is performing? (If s and p is up, total market is up? Or is it too complicated to follow one of the major index and see how this is performing?) Was gonna start my own total market thread, apologies for hijacking thi...
by ray333
Mon Mar 13, 2017 11:16 am
Forum: Investing - Help with Personal Investments
Topic: Total Stock Market Fund
Replies: 13
Views: 1896

Re: Total Stock Market Fund

What index to follow? S and p Dow jones industrial?
by ray333
Mon Mar 13, 2017 8:45 am
Forum: Investing - Theory, News & General
Topic: Vang Tot Stock Mkt Index Composition
Replies: 17
Views: 1585

Re: Vang Tot Stock Mkt Index Composition

Is total stock market ideal for taxable brokerage accounts?
by ray333
Sun Mar 12, 2017 9:13 pm
Forum: Investing - Help with Personal Investments
Topic: New to investing
Replies: 4
Views: 275

New to investing

For a friend ... Looking to invest in an IRA and trying to decide between a Roth or a Traditional plan. I know the benefits of each, but am more concerned about hitting the cut off limit for the Roth in the next few years with raises and profit sharing income from my job. Currently make 95K with a f...

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