Search found 128 matches

by sighchological
Wed Dec 13, 2017 11:06 pm
Forum: Investing - Help with Personal Investments
Topic: Help w/ portfolio & w/ approximating stock market
Replies: 8
Views: 662

Re: Help w/ portfolio & w/ approximating stock market

Thanks ruralavalon for taking the time to write such a thorough response. I read all the links that you recommended. ------------------------------------------------------------------- Some questions regarding small caps: 1) I thought the NYSDCB Russell 2500 Index Unitized Account was only small cap...
by sighchological
Tue Dec 12, 2017 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: Help w/ portfolio & w/ approximating stock market
Replies: 8
Views: 662

Re: Help w/ portfolio & w/ approximating stock market

Thanks everyone for the help. Ruralavalon, I have VINIX in my wife’s 403B, but not in my 457b. I have the Equity Index Unitized Account, which is a S&P 500 index. Are you saying that I should sell the small cap in my 457B and my portfolio would look like: Large Cap NYSDCB Equity Index Unitized Accou...
by sighchological
Mon Dec 11, 2017 10:30 pm
Forum: Investing - Help with Personal Investments
Topic: Help w/ portfolio & w/ approximating stock market
Replies: 8
Views: 662

Help w/ portfolio & w/ approximating stock market

Hello everyone, at age 31 it's almost my 5th year investing; thanks for everyone's help here. I’m very likely to move 30% of U.S stocks into international , however, before doing so I have a question regarding a pproximating the total stock market : ---------------------------------- Desired Asset A...
by sighchological
Thu Nov 30, 2017 9:30 pm
Forum: Investing - Help with Personal Investments
Topic: Going from 100% U.S stocks to 30% international?
Replies: 36
Views: 3019

Re: Going from 100% U.S stocks to 30% international?

Thanks staythecourse. I see your point; perhaps there is an element of market timing in my decision making. The thing is it's exhausting being indecisive, as i have been for a while.. i really do want to make a firm decision and stick with it...... if I just wait and wait til international goes bad....
by sighchological
Wed Nov 29, 2017 9:23 pm
Forum: Investing - Help with Personal Investments
Topic: Going from 100% U.S stocks to 30% international?
Replies: 36
Views: 3019

Re: Going from 100% U.S stocks to 30% international?

Thanks for everyone’s responses. Please let me know if the following logic is flawed.. ------------------------------------------------------------------- 1) After reading the "the little book of common sense investing" by John Bogle, which was somewhat of an easy read, I read "common sense on mutua...
by sighchological
Tue Nov 28, 2017 10:38 pm
Forum: Investing - Help with Personal Investments
Topic: Going from 100% U.S stocks to 30% international?
Replies: 36
Views: 3019

Going from 100% U.S stocks to 30% international?

Hello everyone, at age 31 it's almost my 5th year investing; thanks for everyone's help here. ---------------------------------- I am currently 100% U.S stocks; I was indecisive for a couple years about international but after reading more and more I feel safer having 30% of my stocks as internation...
by sighchological
Fri Sep 15, 2017 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 51957

Re: Equifax customer information leak

Hi guys During the OPM breach, it was recommended on this forum to also freeze Clarity Service, FactorTrust, LexisNexis, and SageStream... is that necessary to do for the Equifax breach? --------------------------------------------- Did anyone actually fill out Form 14039 to the IRS to get a PIN #? ...
by sighchological
Fri Aug 25, 2017 8:05 am
Forum: Personal Finance (Not Investing)
Topic: Pension question: purchase 0.35 yrs of previous service?
Replies: 22
Views: 2380

Re: Pension question: purchase 0.35 yrs of previous service?

receiving conflicting information from NYS comptroller regarding pre and post tax; looking for further clarification...
by sighchological
Thu Aug 24, 2017 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Pension question: purchase 0.35 yrs of previous service?
Replies: 22
Views: 2380

Re: Pension question: purchase 0.35 yrs of previous service?

thanks guys. When you say it's better to pay tax deferred, would you suggest to pay all of it in one shot through my 457B?
by sighchological
Tue Aug 22, 2017 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: Pension question: purchase 0.35 yrs of previous service?
Replies: 22
Views: 2380

Re: Pension question: purchase 0.35 yrs of previous service?

thanks for the advice.

I can either pay for it in by:

1) check in a lump sum
2) payroll deductions (my current pension contributions in my paycheck are before tax deductions but I need to clarify with NYS comptroller if this will be different?)
3) tax deferred funds through my 457B
by sighchological
Tue Aug 22, 2017 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Pension question: purchase 0.35 yrs of previous service?
Replies: 22
Views: 2380

Re: Pension question: purchase 0.35 yrs of previous service?

Thanks for the help everyone.

I assume it’s better to purchase the previous service tax deferred than from payroll deductions?
by sighchological
Sat Aug 19, 2017 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Pension question: purchase 0.35 yrs of previous service?
Replies: 22
Views: 2380

Re: Pension question: purchase 0.35 yrs of previous service?

Thanks for the advice! ---------------------------------------------------------------------------------------- Regarding COLA: http://www.osc.state.ny.us/retire/retirees/cost_of_living_adjustment.php COLA payments, subject to pension caps and limitations, equal 50 percent of the previous year’s ann...
by sighchological
Fri Aug 18, 2017 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Pension question: purchase 0.35 yrs of previous service?
Replies: 22
Views: 2380

Re: Pension question: purchase 0.35 yrs of previous service?

I edited the original post to clarify the formula. ------------------------------------------------------------------ The plan did not really offer the purchase; it was initiated by me. In 2009 I worked part time for civil service but did not contribute towards a mandatory pension plan. From 2012 to...
by sighchological
Thu Aug 17, 2017 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Pension question: purchase 0.35 yrs of previous service?
Replies: 22
Views: 2380

Pension question: purchase 0.35 yrs of previous service?

Hello all, I’m current working for New York State and have 5.2 years of service towards my pension (2012-current). In 2009, I worked for civil service but did not contribute towards my pension plan, so I have the option to pay $1,846.54 to buy back 0.35 years of service. The $1,846.54 was calculated...
by sighchological
Fri Jul 07, 2017 6:57 pm
Forum: Investing - Help with Personal Investments
Topic: PHD student (bro) needs help with financial planning
Replies: 8
Views: 1580

Re: PHD student (bro) needs help with financial planning

Thank you guys for the help. Some other questions/statements: 1) Can the Sister in Law’s (SIL) transfer her IRA to my bro’s TSP even though the TSP is not a joint account? a. Is this preferable to transferring the IRA to Vanguard? 2) Can the SIL do a in service rollover from her 401K to my bro’s TSP...
by sighchological
Wed Jun 21, 2017 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: PHD student (bro) needs help with financial planning
Replies: 8
Views: 1580

PHD student (bro) needs help with financial planning

Hello, I’m trying to help my brother and his wife do some financial planning. Would welcome any suggestions! Thanks in advance. ---------------------------------------------------------------------------------------- Tax Filing Status : Married Filing Jointly Tax Rate: 15% Federal, 4.63% % State Sta...
by sighchological
Sat Nov 12, 2016 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: married; should I change status on pay stub?
Replies: 5
Views: 976

married; should I change status on pay stub?

Hello, I've been married for around 3 years. However, both my wife and I have a married status as “single” on our paystubs. Our filing status on our 2015 form 1040 is “Married filing jointly”. I’m currently making $43.5K a year and around $8K in hobby income (which I claim on my taxes), while my wif...
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: 3847

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: 3847

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: 3847

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: 3847

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: 3847

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: 3847

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: 3847

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: 3847

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: 3847

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: 2011

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: 2011

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: 2011

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: 495

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: 495

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: 907

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: 907

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: 1396

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: 1396

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: 1396

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: 1396

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: 1396

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: 6532

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: 6532

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: 6532

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: 6532

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: 6532

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: 1396

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: 6532

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: 6532

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: 6532

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: 5180

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. 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 union (...