Search found 27738 matches

by retiredjg
Tue Feb 21, 2017 9:02 pm
Forum: Investing - Help with Personal Investments
Topic: Help Directing 401K Bond Allocations
Replies: 5
Views: 230

Re: Help Directing 401K Bond Allocations

What about other accounts? Does your spouse have an account at work? Any IRAs? Taxable account?
by retiredjg
Tue Feb 21, 2017 5:45 pm
Forum: Investing - Help with Personal Investments
Topic: Do companies match after-tax 401k contributions?
Replies: 15
Views: 669

Re: Do companies match after-tax 401k contributions?

When you say "switch over", I hope you don't mean making after-tax contributions instead of tax-deferred contributions.
by retiredjg
Tue Feb 21, 2017 5:43 pm
Forum: Investing - Help with Personal Investments
Topic: Do companies match after-tax 401k contributions?
Replies: 15
Views: 669

Re: Do companies match after-tax 401k contributions?

The law apparently allows your employer to match your after-tax contributions. Some plans do according to posts from several posters. You will have to check your plan to find out what your plan does.
by retiredjg
Tue Feb 21, 2017 5:35 pm
Forum: Investing - Help with Personal Investments
Topic: Help Directing 401K Bond Allocations
Replies: 5
Views: 230

Re: Help Directing 401K Bond Allocations

Apparently, the ticker for this fund is WACPX, assuming it is a regular mutual fund. Check to be sure that is the ticker reported by your 401k plan. If not, you will need to find out exactly what you have. The ER of this fund is reasonable for a bond fund in a 401k. While it is not low, it is not hi...
by retiredjg
Tue Feb 21, 2017 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: Moving away from Edward Jones to Vanguard
Replies: 16
Views: 875

Re: Moving away from Edward Jones to Vanguard

Sorry, overlooked an important point. What type of account are these funds in? If in an IRA, just dump them now or at Vanguard. If in a taxable account, more thought might need to happen to sell them with the least amount of tax.
by retiredjg
Tue Feb 21, 2017 4:59 pm
Forum: Investing - Help with Personal Investments
Topic: Moving away from Edward Jones to Vanguard
Replies: 16
Views: 875

Re: Moving away from Edward Jones to Vanguard

I didn't look up the ER's on those funds, but I didn't see anything worth keeping if you are trying to improve your portfolio. My advice is to find out where it costs the least to sell them.
by retiredjg
Tue Feb 21, 2017 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds bad in ROTH? Infographic:
Replies: 8
Views: 389

Re: Bonds bad in ROTH? Infographic:

The best place for your bonds would be a bond fund or stable value fund in your 401k. If you have a decent SCV fund there, it seems likely you have a usable bond fund. But maybe you don't. I would not be too concerned if you need to hold some bonds in Roth IRA for awhile. Yes, it might be nice to ha...
by retiredjg
Tue Feb 21, 2017 4:43 pm
Forum: Investing - Help with Personal Investments
Topic: Is 60/40 too conservative for 31 year old?
Replies: 35
Views: 2038

Re: Is 60/40 too conservative for 31 year old?

I think of 60/40 as a sweet spot that suits many people. A generation or so ago, it was considered the right allocation for most everybody. Aggressive enough to grow. Conservative enough to not be too scary during the crashes.

If it suits you, do it.
by retiredjg
Tue Feb 21, 2017 4:11 pm
Forum: Investing - Help with Personal Investments
Topic: 20% bonds: why bother at 48?
Replies: 127
Views: 5739

Re: 20% bonds: why bother at 48?

I don't know why people insist so strongly on 20% bonds, though, based on some notion of bear market performance and maybe a rebalancing bonus, implying that the expected return differential with 100% stocks is minuscule or even negative. Where do you think that was said? I wonder if you are talkin...
by retiredjg
Tue Feb 21, 2017 10:27 am
Forum: Investing - Help with Personal Investments
Topic: 20% bonds: why bother at 48?
Replies: 127
Views: 5739

Re: 20% bonds: why bother at 48?

Seems related to this thread....... What are your thoughts on rebalancing into a bond position when 15% of your portfolio is IRAs and the other 85% is in a taxable account? Hard to say since this could cover so many different situations. However, your chosen asset allocation (stock to bond ratio) i...
by retiredjg
Tue Feb 21, 2017 10:17 am
Forum: Investing - Help with Personal Investments
Topic: TSP Advice
Replies: 14
Views: 447

Re: TSP Advice

Thanks for the response. I guess I was just wondering if the LifeCycle 2030 allocation was appropriate for my timeframe. In particular, I was wondering if I should have more in the S Fund than the I Fund (right now, it's almost 19% I and 10% S) and if the allocation should be higher in the F Fund (...
by retiredjg
Tue Feb 21, 2017 10:11 am
Forum: Investing - Help with Personal Investments
Topic: TSP Advice
Replies: 14
Views: 447

Re: TSP Advice

For those following along who are unfamiliar....

31.21% - G fund - Special very short term bond fund that pays a lot for essentially no risk
6.04% - F Fund - Total Bond Market
34.14 - C fund - 500 Index
9.78 - S Fund - Mid and small cap completion index
18.83 - I fund - Developed foreign markets
by retiredjg
Tue Feb 21, 2017 10:09 am
Forum: Investing - Help with Personal Investments
Topic: TSP Advice
Replies: 14
Views: 447

Re: TSP Advice

I'm confused for the same reason. You are currently holding 37% bonds and your proposal is only 20% bonds. Yet, your original post said "I'm not against taking some risks but also don't want to have a big drop in the market curtail my plans." Your proposed allocation would cause a bigger d...
by retiredjg
Tue Feb 21, 2017 9:06 am
Forum: Investing - Help with Personal Investments
Topic: Moving away from Edward Jones to Vanguard
Replies: 16
Views: 875

Re: Moving away from Edward Jones to Vanguard

You'll just have to wait and see what Vanguard says. There is probably no way your EJ rep would know what Vanguard accepts and what they don't accept. I suppose you could make a list and see what people here have to say from their own experiences in transferring things into Vanguard. And I suppose y...
by retiredjg
Tue Feb 21, 2017 8:46 am
Forum: Investing - Help with Personal Investments
Topic: TSP Advice
Replies: 14
Views: 447

Re: TSP Advice

Sounds like you feel like the 2030 fund is just too aggressive for your temperament and nearness to retirement. You could use your own allocation if you wanted. Or you could just shift some of what you have into the 2020 fund which is more conservative. What allocation would you choose if you do you...
by retiredjg
Mon Feb 20, 2017 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: Asset placement between different accounts
Replies: 18
Views: 807

Re: Asset placement between different accounts

Your protagonist should not have set up the portfolio that way. But let's say it got there by happenstance which can happen. Seems to me it's almost inevitable, though. Quick crude model says that if I start my protagonist at 60/40, TSM in taxable, TBM in tax-advantaged, apply recent trailing rates...
by retiredjg
Mon Feb 20, 2017 2:35 pm
Forum: Investing - Help with Personal Investments
Topic: Fearful Investor and Close to Retirement
Replies: 51
Views: 5900

Re: Fearful Investor and Close to Retirement

No. Unfortunately, no Admiral Shares. :(
by retiredjg
Mon Feb 20, 2017 2:31 pm
Forum: Investing - Help with Personal Investments
Topic: Asset placement between different accounts
Replies: 18
Views: 807

Re: Asset placement between different accounts

[...] It is rarely suggested to do rebalancing in taxable because it can generate taxes. You can effectively rebalance by adding money to the fund that doesn't have enough. And a person could rebalance while doing a tax loss harvest. But generally, rebalancing is done in the tax-advantaged accounts...
by retiredjg
Mon Feb 20, 2017 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: 20% bonds: why bother at 48?
Replies: 127
Views: 5739

Re: 20% bonds: why bother at 48?

cherijoh wrote:See Figure 2 in this article by Rick Ferri. I think this (or something similar) is what was being referenced.

Thanks cherijoh, that's exactly the chart I think that Boomer was referring to. If not, it definitely is the chart I was referring to. :happy
by retiredjg
Mon Feb 20, 2017 11:06 am
Forum: Investing - Help with Personal Investments
Topic: 20% bonds: why bother at 48?
Replies: 127
Views: 5739

Re: 20% bonds: why bother at 48?

I'm only 33 and have held a 80/20 allocation for many years. It all stems from a chart posted on here which showed the higher risk factor and not proportional added gains between a 100% equity portfolio and a 80/20 portfolio. Actually the gains are almost quite literally proportional, as there is a...
by retiredjg
Mon Feb 20, 2017 8:44 am
Forum: Investing - Help with Personal Investments
Topic: 20% bonds: why bother at 48?
Replies: 127
Views: 5739

Re: 20% bonds: why bother at 48?

There are times, even decades, when bond pay more than stocks. If that should happen, wouldn't you want something to be making some money?
by retiredjg
Sun Feb 19, 2017 2:39 pm
Forum: Investing - Help with Personal Investments
Topic: 100% Stock Portfolio? - 20s Military Investor
Replies: 12
Views: 930

Re: 100% Stock Portfolio? - 20s Military Investor

There are good reasons to have at least some stocks bonds in a portfolio. Here's an old thread.

viewtopic.php?p=538014
by retiredjg
Sun Feb 19, 2017 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: How Long to Keep Medical Insurance EOB Statements?
Replies: 13
Views: 1183

Re: How Long to Keep Medical Insurance EOB Statements?

It appears I'm contrary to the norm. I keep it all because it represents my medical history. I usually just make a note on the EOB about what it was and what was discussed/decided/done and file it away. I've frequently looked up events from many years past. It's handy. Yes, a medical history can be ...
by retiredjg
Sun Feb 19, 2017 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: Asset placement between different accounts
Replies: 18
Views: 807

Re: Asset placement between different accounts

However, it is also suggested to do the rebalancing within the taxable account to allow for tax loss harvesting. Not really. I think you misunderstood this part. Or you might have run across some bad information. It is rarely suggested to do rebalancing in taxable because it can generate taxes. You...
by retiredjg
Sun Feb 19, 2017 2:26 pm
Forum: Investing - Help with Personal Investments
Topic: Asset placement between different accounts
Replies: 18
Views: 807

Re: Asset placement between different accounts

It does seem confusing at first. The "rules" and "guidelines" seem to contradict each other! However, as you learn which rules trump the other rules, it becomes easier. First, a lot of people get the idea that stocks go here and bond go there. That is simply not correct. What is ...
by retiredjg
Sun Feb 19, 2017 2:03 pm
Forum: Investing - Help with Personal Investments
Topic: Math help needed. Calculating allocation Wellington Wellesley Total Bond to 30/70.
Replies: 22
Views: 1693

Re: Math help needed. Calculating allocation Wellington Wellesley Total Bond to 30/70.

Something about not touching principal, the piggy bank, I think it's based on another paradigm. Need to explain it better to her how a portfolio works. Maybe use the "bucket" analogy. Not touching principal is unnecessary and somewhat irrational. However, many people have that concept fir...
by retiredjg
Sun Feb 19, 2017 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Please help me with Tax / form 8606 adjustment!
Replies: 21
Views: 1426

Re: Please help me with Tax / form 8606 adjustment!

I think I got the paperwork done correctly for TY 2015, just re characterized $1000 out to tira, and converted back into Roth. Sent in form 8606 with 1000 basis. This seems right. Received the 1099R last month for the $1000+$76 in taxable gains. Did you include the $76 in your 2015 income a year ag...
by retiredjg
Sun Feb 19, 2017 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Please help me with Tax / form 8606 adjustment!
Replies: 21
Views: 1426

Re: Please help me with Tax / form 8606 adjustment!

Rather than sweat it out all year....I think the easiest thing seems to be a repeat of last year.

Do you think you got your paperwork done correctly for 2015?
by retiredjg
Sun Feb 19, 2017 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Please help me with Tax / form 8606 adjustment!
Replies: 21
Views: 1426

Re: Please help me with Tax / form 8606 adjustment!

I think there is an option of having the excess contribution removed and applied to your 2017 Roth IRA contribution. Do you think you will be eligible for any 2017 contribution?

Alan, would this be easier or harder?
by retiredjg
Sun Feb 19, 2017 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Math help needed. Calculating allocation Wellington Wellesley Total Bond to 30/70.
Replies: 22
Views: 1693

Re: Math help needed. Calculating allocation Wellington Wellesley Total Bond to 30/70.

DW said to ask about living off of interest and dividends? She's concerned. What is she concerned about? Maybe go to Target Retirement with its 30/70 and/or up equity allocation if can work that way? What would be the purpose of doing this? Will it work if I put in 3.5 mil. and a start with a varia...
by retiredjg
Sun Feb 19, 2017 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Please help me with Tax / form 8606 adjustment!
Replies: 21
Views: 1426

Re: Please help me with Tax / form 8606 adjustment!

So it appears. I'm confused about when the 1099 comes though. In example 1, there seems to be an error in one of the dates and I'm not sure which one it is. In that example, Mary won't realize she had an excess contribution until 2014 so the correction can't occur in 2013 although the earnings will ...
by retiredjg
Sun Feb 19, 2017 9:37 am
Forum: Investing - Help with Personal Investments
Topic: Math help needed. Calculating allocation Wellington Wellesley Total Bond to 30/70.
Replies: 22
Views: 1693

Re: Math help needed. Calculating allocation Wellington Wellesley Total Bond to 30/70.

What would be your suggested allocation between Wellesley Income Fund and LifeStrategy Income Fund? If you consider Wellesley to be 35% stock, then 70% Wellesley and 30% Lifestrategy Income should give you 30% stocks and 70% bonds. Since Wellesley wanders up and down a little, it won't always be ex...
by retiredjg
Sun Feb 19, 2017 9:17 am
Forum: Investing - Help with Personal Investments
Topic: If you were going to drop down to 15% bracket for one year...
Replies: 7
Views: 900

Re: If you were going to drop down to 15% bracket for one year...

Coato wrote:Does it make sense to sell and re-buy all taxable holdings?

It probably makes sense to sell some. But if selling all holdings will push you into the 25% tax bracket, I would not sell all.
by retiredjg
Sun Feb 19, 2017 8:55 am
Forum: Investing - Help with Personal Investments
Topic: Need portfolio/asset clarification
Replies: 7
Views: 337

Re: Need portfolio/asset clarification

It appears the first thing you should do is open a Roth IRA for each of you. Is there a reason you have not done that?

Are you trying to invest this money independently of your 403b? If so, why?

Does your spouse have any accounts?
by retiredjg
Sun Feb 19, 2017 7:12 am
Forum: Investing - Help with Personal Investments
Topic: Math help needed. Calculating allocation Wellington Wellesley Total Bond to 30/70.
Replies: 22
Views: 1693

Re: Math help needed. Calculating allocation Wellington Wellesley Total Bond to 30/70.

Yet, with all this thing about "diversification", I feel that I'm supposed to have Balanced Index Fund in the mix or Total Stock Market. Yes. This is simple and works. But what about the holy grail, "diversification"? :confused It appears that part of you believes in Wellesley a...
by retiredjg
Sun Feb 19, 2017 6:55 am
Forum: Personal Finance (Not Investing)
Topic: Please help me with Tax / form 8606 adjustment!
Replies: 21
Views: 1426

Re: Please help me with Tax / form 8606 adjustment!

I think it may affect your 2016 return a little. from https://www.irs.gov/pub/irs-pdf/p590a.pdf Withdrawal of excess contributions. For purposes of determining excess contributions, any contribution that is withdrawn on or before the due date (including exten- sions) for filing your tax return for t...
by retiredjg
Sat Feb 18, 2017 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: Math help needed. Calculating allocation Wellington Wellesley Total Bond to 30/70.
Replies: 22
Views: 1693

Re: Math help needed. Calculating allocation Wellington Wellesley Total Bond to 30/70.

Ok, Sandtrap, I really thought you'd like my idea. It's simple. It's what you asked for. Yet.....you are ignoring it? I'm offended and stomping off in a huff. :wink:
by retiredjg
Sat Feb 18, 2017 6:40 pm
Forum: Investing - Help with Personal Investments
Topic: Rolling Over IRA to Crappy 401k in order to backdoor roth
Replies: 22
Views: 1301

Re: Rolling Over IRA to Crappy 401k in order to backdoor roth

For example, if bonds are all in tax-advantaged accounts and your stocks are in taxable accounts.... A lot of people imagine it this way, but that isn't how you set it up. Your tax-advantaged accounts would hold stocks and bonds. Once they are all filled and you still have more money to save, the s...
by retiredjg
Sat Feb 18, 2017 8:32 am
Forum: Investing - Help with Personal Investments
Topic: Rolling Over IRA to Crappy 401k in order to backdoor roth
Replies: 22
Views: 1301

Re: Rolling Over IRA to Crappy 401k in order to backdoor roth

I think it is wise to forego the mega back door for at least a year. Maybe two. Give yourself time to figure out the ordinary back door first. Do it and be sure you've figured out how to report it on your taxes correctly. Lots of people mess it up the first time around. If you use a tax preparer, s/...
by retiredjg
Sat Feb 18, 2017 7:49 am
Forum: Investing - Help with Personal Investments
Topic: Possible Roth Conversion Question
Replies: 10
Views: 559

Re: Possible Roth Conversion Question

It's a big bite, but since the amount is small, it might be worth it if she gets to use the back door for several or many years. Of course, we don't know that will happen. I think I might go for it though. I think $16k may be a drop in the bucket later on.
by retiredjg
Sat Feb 18, 2017 7:46 am
Forum: Investing - Help with Personal Investments
Topic: Possible Roth Conversion Question
Replies: 10
Views: 559

Re: Possible Roth Conversion Question

Oh. So there is no "her portion" of the plan in the first place. Hmmm.
by retiredjg
Sat Feb 18, 2017 7:44 am
Forum: Personal Consumer Issues
Topic: How do you handle switching your handbag?
Replies: 62
Views: 3597

Re: How do you handle switching your handbag?

Mudpuppy wrote:... and zero-drop, thin-soled shoes for workouts.

These can be hard to find. Mind sharing a brand and style?
by retiredjg
Sat Feb 18, 2017 7:37 am
Forum: Investing - Help with Personal Investments
Topic: How to simplify an existing portfolio?
Replies: 22
Views: 1385

Re: How to simplify an existing portfolio?

I'm not sure if you ever checked the old 401k for a lower cost bond fund or a stable value fund. Holding bonds in the old 401k would allow you to put some stocks in the Roth IRA. However, I would not hold a high cost bond in the old 401k just to accomplish that.
by retiredjg
Fri Feb 17, 2017 6:20 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Decision - Trad vs Roth
Replies: 44
Views: 1463

Re: 401k Decision - Trad vs Roth

Assuming 25% tax rates in both working years/retirement.... If the rate is the same, the amount of money you have is the same in the end. It does not matter if you pay it up front or in the end. You have exactly the same amount of money. The reason that tax-deferred is often preferred is that the r...
by retiredjg
Fri Feb 17, 2017 6:14 pm
Forum: Investing - Help with Personal Investments
Topic: Possible Roth Conversion Question
Replies: 10
Views: 559

Re: Possible Roth Conversion Question

She also cannot control how much income is added to her work profit sharing. So, that's nice as it doesn't cost us directly, but it's bad as we cannot control how much is entered each year. I'd like to maximize her retirement account just like we maximize mine. But, we don't get to control that. Th...
by retiredjg
Fri Feb 17, 2017 6:12 pm
Forum: Investing - Help with Personal Investments
Topic: Possible Roth Conversion Question
Replies: 10
Views: 559

Re: Possible Roth Conversion Question

What is your tax bracket?
by retiredjg
Fri Feb 17, 2017 6:10 pm
Forum: Investing - Help with Personal Investments
Topic: re:Tax advantaged space
Replies: 1
Views: 176

Re: re:Tax advantaged space

Some people prefer one or the other, but with no clear preference, I think doubt it matters much.
by retiredjg
Fri Feb 17, 2017 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Credit score odd question
Replies: 21
Views: 1334

Re: Credit score odd question

Mortgage rates will not be fun in the 600's...
by retiredjg
Fri Feb 17, 2017 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Visiting the National Parks
Replies: 27
Views: 1358

Re: Visiting the National Parks

There are 59 National Parks. You can't visit them all in 3 weeks. There are 417 units in the National Park System (parks, monuments, seashores, historic sites, etc.). Many are just as majestic and wonderful and interesting as the places designated as "parks". Some are even better. Even if ...
by retiredjg
Fri Feb 17, 2017 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Credit score odd question
Replies: 21
Views: 1334

Re: Credit score odd question

And a late Old Navy and Macy's payments on new cards (wasn't paying attention, used to auto payments). It doesn't matter how well you have done for years and years, this type of thing will make your score plummet. I had a bill go to collections (I was unaware of it) and my score dropped from 830 to...

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