Search found 43 matches

by rzk96
Thu Jun 15, 2017 9:44 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Choices
Replies: 2
Views: 234

401k Choices

My background investment wise: Roth IRA - Vanguard Target Fund 2050- $11,000 401k - see below on what I had/have - $48,500 Taxable Accounts - Just started- I add monthly around $200 per account. I know, I'm late to game :( Vanguard TSM - $1,637 Vanguard VXUS - $265.14 Fidelity ITOT - $1,003 Fidelity...
by rzk96
Fri May 19, 2017 9:09 am
Forum: Investing - Help with Personal Investments
Topic: At what age... [do you change investments]
Replies: 13
Views: 582

Re: At what age... [do you change investments]

ray333 wrote:"Just in case" what?

You're better off having a higher balance in 1 account - diversify within the account

I prefer simplicity in its, dare I say, simplest form


If something happens to VG. It's a lame excuse. But some of the opinions I read made sense to me in my other post.
by rzk96
Fri May 19, 2017 9:00 am
Forum: Investing - Help with Personal Investments
Topic: At what age... [do you change investments]
Replies: 13
Views: 582

Re: At what age... [do you change investments]

Save more. Your funds look good. The Target Date funds will move for you. Why start a Fidelity taxable account when you have a Vanguard taxable? One key is to avoid thinking that buying something else will give you "more" return. If you have Total US and Total International, you have grea...
by rzk96
Fri May 19, 2017 8:58 am
Forum: Investing - Help with Personal Investments
Topic: At what age... [do you change investments]
Replies: 13
Views: 582

Re: At what age... [do you change investments]

rkhusky wrote:Why do you have tiny amounts in both Vanguard and Fidelity accounts?


I am very new at investing. Started like 6 months ago. I add monthly now.
by rzk96
Fri May 19, 2017 8:51 am
Forum: Investing - Help with Personal Investments
Topic: At what age... [do you change investments]
Replies: 13
Views: 582

Re: At what age...

Those Target Retirement Funds do all the "moving for you". When you get a chance, pull up Morningstar or go to Vanguards web site and look at the asset allocations of the various Target date Funds. You will see they increase bond holdings as you get closer to the date and decrease equity ...
by rzk96
Fri May 19, 2017 8:47 am
Forum: Investing - Help with Personal Investments
Topic: At what age... [do you change investments]
Replies: 13
Views: 582

At what age... [do you change investments]

Hey All - Been posting on here a little. Helped me lots with great info! Now that I've got my stuff in order: I had a simple question. At what age do you change funds (ie to bonds, income funds, emerging markets, small/big caps, automatic dividends etc) around in your taxable accounts/401k/etc? I am...
by rzk96
Wed May 17, 2017 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Help, pay off house or invest?
Replies: 34
Views: 2594

Re: Help, pay off house or invest?

I had paid off my house in 7 years. I was still investing but once house gone was able to put a lot more in funds. 10 years ago I got hurt, wife lost her job after 30 years as a rn. But we had a home and was able to make it. We would have lost everything if we had a house payment. Now 10 years late...
by rzk96
Tue May 16, 2017 11:50 am
Forum: Investing - Help with Personal Investments
Topic: New Graduate w/ Large Loans & New Job - Options
Replies: 25
Views: 1803

Re: New Graduate w/ Large Loans & New Job - Options

I'm sure you know how to tackle debt w every penny and everyone here is giving awesome advice. I wanted to give some fun encouragement! ...when my student loans happened (only 20K), I knocked it out within 10-12 months. How? I became a hermit and had NO sbux, extra dining expense, spontaneous travel...
by rzk96
Mon May 15, 2017 10:35 pm
Forum: Investing - Help with Personal Investments
Topic: How many firms do you use?
Replies: 39
Views: 2764

Re: How many firms do you use?

Some people have separate accounts to help with mental bookkeeping: vacation fund, Christmas spending, new car fund, house maintenance, college fund, etc. That could be what your friend's parents have. We have separate accounts for inherited taxable, TIRA, and Roth. We want to keep our inheritances...
by rzk96
Mon May 15, 2017 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: How many firms do you use?
Replies: 39
Views: 2764

Re: How many firms do you use?

Two retirement accounts and a brokerage account at Fidelity. One brokerage account at Vanguard. Two money market accounts; one is at AMEX and the other is at GS. DW isn't comfortable having everything at one firm. Think it is wise to invest in TSM at both VG and Fidelity? Can't see it being a probl...
by rzk96
Mon May 15, 2017 9:30 pm
Forum: Investing - Help with Personal Investments
Topic: How many firms do you use?
Replies: 39
Views: 2764

Re: How many firms do you use?

Who is the life insurance for? Your spouse? Why whole life over term? I was going to ask the same thing. Life insurance is so that if you die, your kids or spouse can replace your income. But you don't have kids, and don't even plan to have them. And you picked whole life, so that you have lower am...
by rzk96
Mon May 15, 2017 9:29 pm
Forum: Investing - Help with Personal Investments
Topic: How many firms do you use?
Replies: 39
Views: 2764

Re: How many firms do you use?

Who is the life insurance for? Your spouse? Why whole life over term? I'm not married yet, ha. But I got the custom whole life due to my mother. She spoke highly of it. Said it helped her buy her house during the recession by dipping into it/pay full cash for the home my mom/dad own now(20% down). ...
by rzk96
Sun May 14, 2017 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: How many firms do you use?
Replies: 39
Views: 2764

Re: How many firms do you use?

AllieTB1323 wrote:Two retirement accounts and a brokerage account at Fidelity. One brokerage account at Vanguard. Two money market accounts; one is at AMEX and the other is at GS. DW isn't comfortable having everything at one firm.


Think it is wise to invest in TSM at both VG and Fidelity?
by rzk96
Sun May 14, 2017 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: How many firms do you use?
Replies: 39
Views: 2764

Re: How many firms do you use?

Hey All - Due to BH, my 401k/Roth IRA/taxable account are all with VG. But I am wondering... do you guys use 2-3 firms for taxable accounts? Or just stick with 1? I know Schwab, Fidelity, etc are out there. Why I ask: I want to retire early. Like early 50s. Before I can withdraw my 401k/Roth IRA/Et...
by rzk96
Sun May 14, 2017 7:46 pm
Forum: Investing - Help with Personal Investments
Topic: How many firms do you use?
Replies: 39
Views: 2764

Re: How many firms do you use?

I believe in diversification. I use Vanguard and Fidelity. One major fiasco, lawsuit, or cyber attack can make for a make for a very bad day. 1/2 trillion was tied up in Lehman Brothers collapse Do you think it's ok to hold TSM at both VG and Fidelity? Both need 10k to get their admiral/premium MF,...
by rzk96
Sun May 14, 2017 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: How many firms do you use?
Replies: 39
Views: 2764

How many firms do you use?

Hey All - Due to BH, my 401k/Roth IRA/taxable account are all with VG. But I am wondering... do you guys use 2-3 firms for taxable accounts? Or just stick with 1? I know Schwab, Fidelity, etc are out there. Why I ask: I want to retire early. Like early 50s. Before I can withdraw my 401k/Roth IRA/Etc...
by rzk96
Sun May 07, 2017 1:51 am
Forum: Investing - Help with Personal Investments
Topic: First Time Investment Checkup
Replies: 5
Views: 712

Re: First Time Investment Checkup

Whoops just realized I mistyped. I'd get my EF to 6 months ASAP if I were you. After you get married, I'd pull it up to 1 year since you want a kid or 2.
by rzk96
Sat May 06, 2017 9:27 pm
Forum: Investing - Help with Personal Investments
Topic: First Time Investment Checkup
Replies: 5
Views: 712

Re: First Time Investment Checkup

My view on EF: I'd do 6 months at least for sure (before the 1st kid). You and I are in different life styles probably... Mine is 20k. I'm 27/Live in GA. I'm not married yet (will probably get married in 2018/2019), but I do have a car loan and mortgage. Luckily my bf pays me rent aka half my mortga...
by rzk96
Fri May 05, 2017 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Student loan debt, PSLF, planning for future
Replies: 37
Views: 2560

Re: Student loan debt, PSLF, planning for future

Seems like people on here have given great tips.

... I just wanted to say don't cry! Once you get the hang of things, you'll get this debt DONE!
by rzk96
Fri May 05, 2017 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Unmarried couple purchasing a home?
Replies: 72
Views: 4034

Re: Unmarried couple purchasing a home?

Whenever a friend of mine thinks about buying a home with their S.O., I say NO!!!! Just because I've heard horror stories about the break up part. And I mean BAD stories. But I'm 27. So my age range of friends are a tad different when it comes to emotions/maturity. My co worker - who I told, DON'T D...
by rzk96
Wed May 03, 2017 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Rent to friend or sell home?
Replies: 9
Views: 943

Re: Rent to friend or sell home?

I've had friends go through what you're pondering. Make it VERY VERY VERY clear that you will be treating this as a business transaction. If you do rent - write up a proper lease (you know, with the penalties if leaving early/damages, when rent is due, etc). Don't be afraid to be firm with it. As fo...
by rzk96
Tue May 02, 2017 11:28 am
Forum: Investing - Help with Personal Investments
Topic: If you had 30,000 dollars to invest in your future, how would you do it?
Replies: 49
Views: 5113

Re: If you had 30,000 dollars to invest in your future, how would you do it?

Wow, thank you all so much for the replies. Never have I met a more experienced and knowledgeable group of people for this type of question. My parents actually have a decent amount of money saved for me to go to college. School has just never been my thing so I have been holding off. However, if t...
by rzk96
Mon May 01, 2017 9:45 pm
Forum: Investing - Help with Personal Investments
Topic: If you had 30,000 dollars to invest in your future, how would you do it?
Replies: 49
Views: 5113

Re: If you had 30,000 dollars to invest in your future, how would you do it?

I'm an IT Recruiter... and I'll say this: Folks who have said education is a solid investment are spot on. 15-20 years ago, people can get by with no degree due to awesome work experience. BUT now in 2017, the younger generation folks are expected to have at least a Bachelor's degree. Hate to say th...
by rzk96
Wed Apr 26, 2017 10:34 pm
Forum: Investing - Help with Personal Investments
Topic: Hi all! Help a newbie
Replies: 13
Views: 1164

Re: Hi all! Help a newbie

I'm new on here too and I had the same question regarding investing awhile ago. I asked my father in law, my CFO, and lots of bogleheads... max out every retirement fund (Roth, 401k, HSA, etc) AND form an emergency fund THEN invest!
by rzk96
Wed Apr 26, 2017 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking advice: Pay off student loan or ???
Replies: 15
Views: 1159

Re: Seeking advice: Pay off student loan or ???

Yeah, pay it off. You will feel AMAZING. I treated myself to a nice dinner and dessert when I clicked "submit" for the final time on the loan site! :D

AND... you already did your due diligence by filling up your retirement stuff.
by rzk96
Thu Apr 20, 2017 8:26 pm
Forum: Investing - Help with Personal Investments
Topic: Emergency fund
Replies: 13
Views: 1785

Re: Emergency fund

Can emergency fund be considered as part of asset allocation/portfolio if they are invested in bonds? Or should these be kept separate from assests (just like 529)? Any thoughts? Thanks. Separate for sure. Mine lets me sleep peacefully at night. But make sure to have it in an interest account! I us...
by rzk96
Wed Apr 19, 2017 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: To put 5k into my car loan or just keep it...
Replies: 41
Views: 2532

Re: To put 5k into my car loan or just keep it...

Thanks all for the help :) Knew I could rely on all views on here!!
by rzk96
Wed Apr 19, 2017 11:40 am
Forum: Personal Finance (Not Investing)
Topic: To put 5k into my car loan or just keep it...
Replies: 41
Views: 2532

Re: To put 5k into my car loan or just keep it...

Put the extra money toward you mortgage, 401K, IRA and savings. In 30 years, you won't even remember this car. ALL cars are on a one-way trip to the dump. Drive past a dump. Is there anything in there you would like to have made payments on? As posted originally, 401k will be maxed by end of June 2...
by rzk96
Wed Apr 19, 2017 11:36 am
Forum: Personal Finance (Not Investing)
Topic: To put 5k into my car loan or just keep it...
Replies: 41
Views: 2532

Re: To put 5k into my car loan or just keep it...

One last thing on the car fund and I think we're done on that issue. If the car is actually new-new (not new-CPO or low-low miles and feels new), it should be covered as such (from Infiniti site): 4-year/60,000-mile Basic coverage 5-year/50,000-mile Emission Control coverage 6-year/70,000-mile Powe...
by rzk96
Wed Apr 19, 2017 10:05 am
Forum: Personal Finance (Not Investing)
Topic: To put 5k into my car loan or just keep it...
Replies: 41
Views: 2532

Re: To put 5k into my car loan or just keep it...

Wanted to weigh my options. Hearing both sides on here make me very happy! I always appreciate folks. It can be a bit of a balancing act figuring where extra money goes when you're younger. But the key point is: there needs to be extra money available each month after all bills are paid. IOW, one n...
by rzk96
Wed Apr 19, 2017 9:34 am
Forum: Personal Finance (Not Investing)
Topic: To put 5k into my car loan or just keep it...
Replies: 41
Views: 2532

Re: To put 5k into my car loan or just keep it...

Haha, before stating I can't find afford it... my mind set was: Since this car will last me 15+ years (again, will be maintaining it very well), I wanted the car new and exactly how I wanted it. That way once I pay it off ~3 years, I wouldn't want to go to another car "just because". Also...
by rzk96
Wed Apr 19, 2017 9:27 am
Forum: Personal Finance (Not Investing)
Topic: To put 5k into my car loan or just keep it...
Replies: 41
Views: 2532

Re: To put 5k into my car loan or just keep it...

OP, If this is your dream car why wouldn't you have just saved up the money beforehand and pay in cash rather then go $34k in debt to purchase this SUV? If it's not practical for you to save up the money in a reasonable amount of time, I think that's a sign you don't quite have the finances to affo...
by rzk96
Wed Apr 19, 2017 9:23 am
Forum: Personal Finance (Not Investing)
Topic: To put 5k into my car loan or just keep it...
Replies: 41
Views: 2532

Re: To put 5k into my car loan or just keep it...

OP, If this is your dream car why wouldn't you have just saved up the money beforehand and pay in cash rather then go $34k in debt to purchase this SUV? If it's not practical for you to save up the money in a reasonable amount of time, I think that's a sign you don't quite have the finances to affo...
by rzk96
Wed Apr 19, 2017 8:58 am
Forum: Personal Finance (Not Investing)
Topic: To put 5k into my car loan or just keep it...
Replies: 41
Views: 2532

Re: To put 5k into my car loan or just keep it...

I have to ask the question: What is the "car bank account?" It *can't* be money your saving up to buy a new car since you already have your dream car. I sincerely hope it's not the car maintenance fund.. =) Assuming it's sitting in a savings account... use it and almost all (sans $1000) o...
by rzk96
Wed Apr 19, 2017 8:51 am
Forum: Personal Finance (Not Investing)
Topic: To put 5k into my car loan or just keep it...
Replies: 41
Views: 2532

Re: To put 5k into my car loan or just keep it...

if your goal is to minimize the amount of interest paid on your loan, then pay the 5k extra when you have it. if your goal is to pay it off early, then just wait and lump sum the 15k amount. The extra payment will help you pay off the loan faster, since it will grow risk-free at 2.99%. And it is be...
by rzk96
Wed Apr 19, 2017 7:31 am
Forum: Personal Finance (Not Investing)
Topic: To put 5k into my car loan or just keep it...
Replies: 41
Views: 2532

Re: To put 5k into my car loan or just keep it...

I find I actually pay things off early rather than just plan to do so when I do it whenever I have the money rather than wait until I have a bigger chunk. Plus you save more on int, plus if you ever wanted to you would be amazed how easy it is to refi a car and pull funds out! :D I am a little conf...
by rzk96
Tue Apr 18, 2017 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: To put 5k into my car loan or just keep it...
Replies: 41
Views: 2532

Re: To put 5k into my car loan or just keep it...

Sigh. My company doesn't match :(
by rzk96
Tue Apr 18, 2017 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: To put 5k into my car loan or just keep it...
Replies: 41
Views: 2532

To put 5k into my car loan or just keep it...

Hello all: My background for 2017- - 20k in my E-Fund {in Ally bank} - 7k in my car bank account - this is extra money I had AFTER I filled my 20k E - Fund + 5k from my tax refund - Taxable account: $1,200 with TSM (I am not a serious investor yet. I just contribute 200 bucks per month) - Already ma...
by rzk96
Sun Apr 16, 2017 2:17 pm
Forum: Investing - Help with Personal Investments
Topic: Which funds should be in my taxable account? (401k and Roth IRA are in target funds)
Replies: 9
Views: 763

Re: Which funds should be in my taxable account? (401k and Roth IRA are in target funds)

Oh ha! Sorry. I typed this post super late last night. I'm a total noob at this forum.

And thanks for the welcome :D
by rzk96
Sun Apr 16, 2017 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: Which funds should be in my taxable account? (401k and Roth IRA are in target funds)
Replies: 9
Views: 763

Re: Which funds should be in my taxable account? (401k and Roth IRA are in target funds)

Ah, ok. Thanks everyone! I appreciate help. I'll switch out my Bond, REIT etc. I just wasn't sure. Since I'm new to investing I'm probably going to make some errors.

1,200 wasn't a typo. I VERY slowly put money in my account, haha. I plan on contributing more aggressively the next few years.
by rzk96
Sun Apr 16, 2017 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: Which funds should be in my taxable account? (401k and Roth IRA are in target funds)
Replies: 9
Views: 763

Re: Which funds should be in my taxable account? (401k and Roth IRA are in target funds)

Ah, ok. Thanks everyone! I appreciate help. I'll switch out my Bond, REIT etc. I just wasn't sure. Since I'm new to investing I'm probably going to make some errors.

1,200 wasn't a typo. I VERY slowly put money in my account, haha. I plan on contributing more aggressively the next few years.
by rzk96
Sat Apr 15, 2017 10:03 pm
Forum: Investing - Help with Personal Investments
Topic: Which funds should be in my taxable account? (401k and Roth IRA are in target funds)
Replies: 9
Views: 763

Which funds should be in my taxable account? (401k and Roth IRA are in target funds)

Hey All - new to Bogleheads! As stated in title, my Roth IRA and my 401k are in the Target Fund for Vanguard. I've already maxed out my Roth IRA for 2017. My 401k WILL be maxed by end of June 2017. My Vanguard taxable account is a kind of a "just for fun" kind of thing for now {again, I'm ...

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