Search found 110 matches

by sighchological
Wed Aug 24, 2016 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: Age 30, married, help w/ overall portfolio
Replies: 20
Views: 3439

Re: Age 30, married, help w/ overall portfolio

Thanks Duckie. What I meant was just leaving the portfolio as it is currently, and contributing 100% stocks until it reaches around the desired 56% stocks? I would be: 100% of (VSCPX) Vanguard Small-Cap Index Fund Institutional Plus Shares (0.06%) in my 457 100% of (VINIX) Vanguard Institutional Ind...
by sighchological
Thu Aug 18, 2016 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: Age 30, married, help w/ overall portfolio
Replies: 20
Views: 3439

Re: Age 30, married, help w/ overall portfolio

Thanks Duckie! I did the transactions like you suggested. I was not allowed to move funds out of the TIAA traditional (They said I could only move it 1X a year for the next 10 year) so I just left it as is. --------------------------------------------------------------------------------- As of 8/17/...
by sighchological
Wed Aug 10, 2016 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: Age 30, married, help w/ overall portfolio
Replies: 20
Views: 3439

Re: Age 30, married, help w/ overall portfolio

Thanks Duckie for all your help!

Is the VSGBX in the Roth IRA still acting as an emergency fund?

Any thing else I need to watch out for?

Thanks!
by sighchological
Fri Aug 05, 2016 5:10 pm
Forum: Investing - Help with Personal Investments
Topic: Age 30, married, help w/ overall portfolio
Replies: 20
Views: 3439

Re: Age 30, married, help w/ overall portfolio

Thanks for the info Duckie :happy

I didn’t realize my steps were so complicated. What would you do to make it more simple?

I’ll take your advice about doing points 4 and 5 before 1 and 2. Should I just call the plan and ask them to take care of it for me?
by sighchological
Thu Aug 04, 2016 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: Age 30, married, help w/ overall portfolio
Replies: 20
Views: 3439

Re: Age 30, married, help w/ overall portfolio

Thanks Duckie! There’s so much information; I’m not sure how to proceed. Is this correct? 1) 457B: To be 24% VSCPX, 65% International Equity, and 11% VBMPX, sell/buy funds ( currently $26.4K ) to be: $6.3K of VSCPX, $17.2K of International Equity, and $2.9K of VBMPX. 2) 403B: To be 100% of VINIX , s...
by sighchological
Wed Aug 03, 2016 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: Age 30, married, help w/ overall portfolio
Replies: 20
Views: 3439

Re: Age 30, married, help w/ overall portfolio

Thanks again Duckie for all your help. Couple questions: I was told to https://www.bogleheads.org/forum/viewtopic.php?f=2&t=187151&p=2847879#p2847879, max out the Roth IRA before contributing to the 457B/403B. This year we’ll probably contribute around $23K before taxes towards our 457B /403...
by sighchological
Thu Jul 28, 2016 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: Age 30, married, help w/ overall portfolio
Replies: 20
Views: 3439

Re: Age 30, married, help w/ overall portfolio

Thanks Duckie. I’m having a hard time wrapping my mind around what to do since we have multiple accounts, disparity in income (Wife’s salary is 2x mine) leading to varying percentages of contributions, and my contributions to our retirement plans fluctuate with how much we can afford. Can you explai...
by sighchological
Wed Jul 27, 2016 4:48 pm
Forum: Investing - Help with Personal Investments
Topic: Age 30, married, help w/ overall portfolio
Replies: 20
Views: 3439

Re: Age 30, married, help w/ overall portfolio

Thanks Duckie for your detailed response J It’s very helpful. Some questions: Part of my emergency fund is $11K in VSGBX my Roth IRA. You used that emergency fund as part of my asset allocation. Is it okay to use volatile funds (you suggested VTIAX) as an emergency fund? If it’s OK to do so I’ll mov...
by sighchological
Tue Jul 26, 2016 5:45 pm
Forum: Investing - Help with Personal Investments
Topic: Age 30, married, help w/ overall portfolio
Replies: 20
Views: 3439

Age 30, married, help w/ overall portfolio

I asked for help on our overall portfolio on my previous post, but I did not use the correct formatting. So here it is: Several years ago, I chose my funds and my wife funds separately with the help of people on this forum, but did not consider our overall portfolio while doing so. I realized my err...
by sighchological
Sat May 14, 2016 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: Age 29 & married, pls help w/ overall portfolio
Replies: 9
Views: 1874

Re: Age 29 & married, pls help w/ overall portfolio

Thanks Taylor for your help. The 457B portfolio is my portfolio, but I’m trying to include my wife’s portfolio so that we will have one combined, overall portfolio. I did use the Vanguard Questionnaire, it was helpful. Thanks Autopeep, I think 80% stocks/20% bonds is my desired asset allocation. Sev...
by sighchological
Mon May 02, 2016 6:31 pm
Forum: Investing - Help with Personal Investments
Topic: Age 29 & married, pls help w/ overall portfolio
Replies: 9
Views: 1874

Re: Age 29 & married, pls help w/ overall portfolio

Thanks for the responses. 1) If I invest in the CREF stock, and lose international exposure, could I make that up by and funds in the 457 plan? 2) Yes, I’m trying to consider both our accounts together as one total portfolio. Which percentages are you saying to recalculate? 3) I honestly don’t know ...
by sighchological
Sat Apr 30, 2016 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: Age 29 & married, pls help w/ overall portfolio
Replies: 9
Views: 1874

Age 29 & married, pls help w/ overall portfolio

Hello, I have not contributed to my 457B for 2016 but am planning to max it out. (Cannot afford to max wife’s 403b out, only can match employer’s contributions) ------------------------------------------------ 1) Would you say that our asset allocation of 80% stocks and 20% bonds is OK for our age o...
by sighchological
Thu Apr 28, 2016 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: Tiers of E-Fund in Roth IRA?
Replies: 4
Views: 443

Re: Tiers of E-Fund in Roth IRA?

Thanks everyone. I realize that there is risk holding the e-fund in the Roth IRA; I’m just filling up Roth IRA space with low risk funds before I have enough money to replace a taxable e-fund and replace the Roth e-funds with retirement funds. 1) If I don't have tiers of e-fund money in the Roth IRA...
by sighchological
Thu Apr 21, 2016 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: Tiers of E-Fund in Roth IRA?
Replies: 4
Views: 443

Tiers of E-Fund in Roth IRA?

Hello, I’m currently trying to establish a 6 month emergency fund of $36K for my wife and I in a Roth IRA, and may increase the e-fund to 1 year in the future. I currently have $11K of VSGBX in a Roth IRA, held in 2 separate accounts for my wife and I. This was contributed in 2015. I read that some ...
by sighchological
Sat Apr 16, 2016 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: IRS question re: Roth IRA e-fund
Replies: 7
Views: 761

Re: IRS question re: Roth IRA e-fund

thanks so much for your help everyone :D

jjface what do you mean by "The 10% 'penalty' is specifically an 'additional tax' so falls under this.", I thought that quote was stating that distributions of contributions had no penalty?
by sighchological
Wed Apr 13, 2016 8:00 pm
Forum: Investing - Help with Personal Investments
Topic: IRS question re: Roth IRA e-fund
Replies: 7
Views: 761

IRS question re: Roth IRA e-fund

This is my first time opening up an IRA. My wife and I didn’t contribute to the Roth IRA in 2015, so I’m trying to max out 11K before the deadline. (April 18, 2016) Regarding a somewhat short term (5-10 yrs?) place to park a emergency fund (https://www.bogleheads.org/forum/viewtopic.php?f=2&t=18...
by sighchological
Fri Apr 08, 2016 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Advice with Roth IRA/emergency fund, Age 29/married
Replies: 7
Views: 1252

Re: Advice with Roth IRA/emergency fund, Age 29/married

Thanks for the suggestions. I would like to open up a Roth IRA for the sake of not losing tax advantaged space in the future. Right now I have a $21K emergency fund, held in a taxable account. I don’t have an IRA. ---------------------------------------- My wife and I didn’t contribute to the Roth I...
by sighchological
Tue Apr 05, 2016 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Advice with Roth IRA/emergency fund, Age 29/married
Replies: 7
Views: 1252

Re: Advice with Roth IRA/emergency fund, Age 29/married

I read throughout this forum that VCSH or VFSTX, VBTLX are good options for emergency fund Roth IRAs .

Any other suggestions? thanks!
by sighchological
Mon Apr 04, 2016 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Age 29; should I refinance?
Replies: 11
Views: 1242

Re: Age 29; should I refinance?

Thanks for the advice everyone. My concern of not refinancing is that if I invest instead of paying down the mortgage, it will take me all 30 years to pay off my mortgage. That’s a lot of interest. --------------------------------------- I was advised to follow: 1) 401k (wife)/457B (my plan) employe...
by sighchological
Mon Apr 04, 2016 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Advice with Roth IRA/emergency fund, Age 29/married
Replies: 7
Views: 1252

Re: Advice with Roth IRA/emergency fund, Age 29/married

Thanks for the help. Any other funds that you recommend? I read the wiki article on Roth IRA as an emergency fund, still unsure how to proceed: I would like to have 1 year’s worth ($50K) of emergency funds. Should I: 1) hold the VSGBX in Roth IRA until I accumulate $50K 2) save $50K in a taxable acc...
by sighchological
Fri Apr 01, 2016 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Advice with Roth IRA/emergency fund, Age 29/married
Replies: 7
Views: 1252

Advice with Roth IRA/emergency fund, Age 29/married

Hello everyone, This is my first time opening up a Roth IRA as an emergency fund; any help choosing funds would be greatly appreciated. Stats: Me: Age 29, wife 28. Tax Bracket; Married, filing jointly, 25% fed, 6.65% state. Emergency fund of $20K (Around 3 months) in a taxable account, not maximizin...
by sighchological
Fri Apr 01, 2016 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Spousal income inequality, pay off mortgage or invest?
Replies: 44
Views: 5843

Re: Spousal income inequality, pay off mortgage or invest?

Thanks a lot everyone..a lot to think about!!!
by sighchological
Thu Mar 31, 2016 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Spousal income inequality, pay off mortgage or invest?
Replies: 44
Views: 5843

Re: Spousal income inequality, pay off mortgage or invest?

Thanks for the help. I will reconsider what I said. If you compare prepaying the mortgage vs. investing, I understand that prepaying the mortgage could result in less of a cash flow during the time of the mortgage. ------------------------------- My question is about the time after I finish paying t...
by sighchological
Sat Mar 26, 2016 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Spousal income inequality, pay off mortgage or invest?
Replies: 44
Views: 5843

Re: Spousal income inequality, pay off mortgage or invest?

Klang Fool,

So you're saying that the investing money in retirement accounts instead of prepaying mortgage results in a higher cash flow during age 35-65 AND age 65 through retirement?
by sighchological
Sat Mar 26, 2016 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Spousal income inequality, pay off mortgage or invest?
Replies: 44
Views: 5843

Re: Spousal income inequality, pay off mortgage or invest?

Thanks for the response. I will rethink what I said. 1) I don't know I will be fully employed for the next 30 years. 2) Typically, the jobs that we hold ( I work for the state and my wife is on tenure track at an university), are very secure. 3) Paying 15% on every dollar does not feel good. 4) 15% ...
by sighchological
Sat Mar 26, 2016 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Spousal income inequality, pay off mortgage or invest?
Replies: 44
Views: 5843

Re: Spousal income inequality, pay off mortgage or invest?

Thanks so much for everyone's help. I was advised by the majority of people to invest in the following order: 1) 401k (wife)/457B (my plan) employer match 2) Roth IRA max 3) 401k/ 457B Max 4) Mortgage After a bit of thinking, I think that I want to pay down the mortgage before maxing out the 401K/45...
by sighchological
Mon Mar 21, 2016 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: Age 29; should I refinance?
Replies: 11
Views: 1242

Age 29; should I refinance?

In my last post (https://www.bogleheads.org/forum/viewtopic.php?p=2840474#p2840474) , I asked: At Age 29, with my wife making 2x my salary, and planning to have 2-3 kids soon, should I aggressively try to pay off my mortgage or invest? ---------------------------------------------- I was advised by ...
by sighchological
Mon Mar 21, 2016 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Spousal income inequality, pay off mortgage or invest?
Replies: 44
Views: 5843

Re: Spousal income inequality, pay off mortgage or invest?

Thanks everyone. There is so much great info that my head is spinning. ----------------------------------------- In response to: “There is power in tax free compounding in tax advantaged funds that will last MUCH longer than your mortgage payment.”… if I pay off my mortgage in 5-6 years, the psychol...
by sighchological
Sat Mar 19, 2016 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Spousal income inequality, pay off mortgage or invest?
Replies: 44
Views: 5843

Re: Spousal income inequality, pay off mortgage or invest?

Thanks guys for the help!:) ------------------------------------------------- Currently my wife is matching 5% from her employer, there is around $27K in her account. I have not contributed for 11 months to my 457 B ( I work for the state ), but I have $15K in it. -----------------------------------...
by sighchological
Fri Mar 18, 2016 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: Spousal income inequality, pay off mortgage or invest?
Replies: 44
Views: 5843

Spousal income inequality, pay off mortgage or invest?

At Age 29, with my wife making 2x my salary, and planning to have 2-3 kids soon, should I aggressively try to pay off my mortgage or invest? Ideally I think I could pay off my current $168K mortgage in 5-6 years, and invest for 30 years until retirement. *Edit* Currently my wife is matching 5% from ...
by sighchological
Fri Mar 18, 2016 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Age 29; stay in smaller house or buy a bigger house?
Replies: 44
Views: 4482

Re: Age 29; stay in smaller house or buy a bigger house?

Thanks everyone for the thorough help. I will take your advice to stay in the current house. :happy Some questions/statements regarding the comments: Why recommend a 5 or 7 year ARM as opposed to a 10 or 15 year refinance? My local credit union has a 7/1 ARM at 3%, 5/1 ARM at 2.75%. My local credit ...
by sighchological
Wed Mar 16, 2016 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Age 29; stay in smaller house or buy a bigger house?
Replies: 44
Views: 4482

Age 29; stay in smaller house or buy a bigger house?

Hello, I bought a house 3 years ago, which is spacious for my wife and I. However, we are planning for 2-3 kids in the future, and the current house will be a little cramped (2 bedrooms, 2 small offices, 1.5 bathrooms). We like our neighbors, but would like a little more privacy/yard space in the ne...
by sighchological
Mon Nov 09, 2015 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Age 29 & married, how much life insurance?
Replies: 46
Views: 6323

Re: Age 29 & married, how much life insurance?

thanks!

Is it wise to purchase $300K from my wife's employer or should I just purchase a $300K, 30 year from a life insurance company?
by sighchological
Sat Nov 07, 2015 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: Age 29 & married, how much life insurance?
Replies: 46
Views: 6323

Re: Age 29 & married, how much life insurance?

Wow thanks for SO much advice and help. Honestly I am quite overwhelmed as there are many different opinions! After thinking things through I think that currently I want to go with the least amount of insurance possible, since I don't have kids yet; just want to have up to 3 of them in the future. I...
by sighchological
Wed Oct 14, 2015 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Age 29 & married, how much life insurance?
Replies: 46
Views: 6323

Re: Age 29 & married, how much life insurance?

Thanks everyone for the help. Out of all the responses: - 6 said to wait for kids. - 1 said to purchase $1M per kid up to $2.5M max for the primary wage earner. (did not say 20 or 30 years) - 1 said to consider at least $750k for you and $1.5 M for your wife. (did not say 20 or 30 years) - 1 said to...
by sighchological
Mon Oct 05, 2015 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Age 29 & married, how much life insurance?
Replies: 46
Views: 6323

Re: Age 29 & married, how much life insurance?

Thank you jack, well I am dependent on my wife's salary, if she was to pass I would be unable to pay all the bills. Pondering, what do you mean by "I would be very surprised if someone with those financials had that much insurance." Well, for 30 years level term guaranteed, A+ rating it wo...
by sighchological
Mon Oct 05, 2015 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: Age 29 & married, how much life insurance?
Replies: 46
Views: 6323

Re: Age 29 & married, how much life insurance?

Thanks for helping everyone. If my wife passed away after 3 years, I would be in trouble. I would receive $105K from her employer's life insurance, have $61K in debt while making net $34K a year. Would you really suggest to wait until having kids to purchase life insurance? Yes, my wife has long ter...
by sighchological
Sat Sep 26, 2015 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Age 29 & married, how much life insurance?
Replies: 46
Views: 6323

Re: Age 29 & married, how much life insurance?

I'm likely going to purchase:

Wife: $1 million
Me: $500 - $700K

Do you suggest 20 or 30 year?

thanks!
by sighchological
Sat Sep 26, 2015 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Age 29 & married, how much life insurance?
Replies: 46
Views: 6323

Re: Age 29 & married, how much life insurance?

thanks so much for your help !
by sighchological
Sat Sep 19, 2015 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Age 29 & married, how much life insurance?
Replies: 46
Views: 6323

Re: Age 29 & married, how much life insurance?

Thanks for the help everyone! Rule of thumb is 10x gross salary per individual payable to other spouse. Wife: $1 million Me: $500 - $700K More detailed approach: Expenses to be covered by life insurance: 1) Sum of mortgage debt outstanding: $170K 2) Daycare expenses from age 0 to age 5.5 when school...
by sighchological
Fri Sep 18, 2015 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: Age 29 & married, how much life insurance?
Replies: 46
Views: 6323

Age 29 & married, how much life insurance?

Hello, I’m thinking of purchasing either a 20 or 30 year term life insurance plan. I don’t have any kids but will start trying to (3 max) in 1 yeas. Any help would be appreciated. Annual net income: Me (Age 29): $34K Wife(Age 28): $67K Total annual income: $101K My mortgage is currently $172K, 30 ye...
by sighchological
Thu Feb 05, 2015 6:07 pm
Forum: Investing - Help with Personal Investments
Topic: Advice? 1 yr w/ TIAA-CREF and 457B
Replies: 7
Views: 624

Re: Advice? 1 yr w/ TIAA-CREF and 457B

any other suggestions? thanks!
by sighchological
Tue Jan 27, 2015 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: Advice? 1 yr w/ TIAA-CREF and 457B
Replies: 7
Views: 624

Re: Advice? 1 yr w/ TIAA-CREF and 457B

Aptenodytes,

Honestly, I did not think about a target AA that applies to our joint portfolios. I thought that since we were the same age we have the same AA, approx. 75% stocks/25% bonds.

What would you suggest?
by sighchological
Tue Jan 27, 2015 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: Advice? 1 yr w/ TIAA-CREF and 457B
Replies: 7
Views: 624

Re: Advice? 1 yr w/ TIAA-CREF and 457B

Thank you Valuethinker! Could you elaborate upon "When you get to about 35 or 40 you want to think about whether you want such a high equity weighting going forward. I would consider adding TIPS at that point."? I don't know anything about TIPS besides what I just saw on Wiki. Where do I p...
by sighchological
Tue Jan 27, 2015 11:47 am
Forum: Investing - Help with Personal Investments
Topic: Advice? 1 yr w/ TIAA-CREF and 457B
Replies: 7
Views: 624

Re: Advice? 1 yr w/ TIAA-CREF and 457B

Thank you Aptenodytes! 1) I'm not sure what you mean by "I presume you would have told us if this allocation is different than what you started with"? 2) I deleted the returns - why are they dangerous? 3) I included my account. 4) I believe we are in the 25% tax bracket. 5) The TIAA Tradit...
by sighchological
Tue Jan 27, 2015 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Advice? 1 yr w/ TIAA-CREF and 457B
Replies: 7
Views: 624

Advice? 1 yr w/ TIAA-CREF and 457B

Hello, A year ago, Bogleheads helped me select a portfolio for my wife through TIAA-CREF, and for me through my 457B plan. I just wanted to see if I was doing everything right. Any suggestions/recommendations would be greatly appreciated. Wife's Age: 27 Salary: Approx. $105K annually; 5% contributio...
by sighchological
Tue Jan 27, 2015 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Recommendations for online bank?
Replies: 25
Views: 4187

Re: Recommendations for online bank?

I had no clue there were so many responses. Thanks everyone for your help :)
by sighchological
Thu Nov 20, 2014 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Recommendations for online bank?
Replies: 25
Views: 4187

Recommendations for online bank?

Hello, I’m looking for a good online bank to replace my brick and mortar savings/checking account. The online bank would act as a central hub to all our liquid incoming and outgoing funds where: 1) Mortgage and Home Equity Loans would be automatically paid a. Bi weekly principal payments could be tr...

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