Search found 19 matches

by smurflady
Wed Feb 08, 2017 11:35 pm
Forum: Investing - Theory, News & General
Topic: Asset location for bonds
Replies: 2
Views: 338

Asset location for bonds

Hi All, I've exhausted my traditional 401K/traditional IRAs and would like to allocate more money to bonds. I was curious where the next best place to locate bonds would be? I'm in a high tax bracket (39% federal, 12% state). Potential options: 1) Roth IRA: Should bonds go here? I've currently got m...
by smurflady
Wed Feb 08, 2017 11:18 pm
Forum: Personal Finance (Not Investing)
Topic: Experience with RW Investment Strategies (Robert Wasilewski)?
Replies: 3
Views: 344

Re: Experience with RW Investment Strategies (Robert Wasilewski)?

Thanks for the feedback - I checked the FINRA Broker check and no red flags. Thinking of moving forward - as Pajamas stated, even one good piece of advice would be worth the fee.
by smurflady
Wed Feb 08, 2017 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Experience with RW Investment Strategies (Robert Wasilewski)?
Replies: 3
Views: 344

Experience with RW Investment Strategies (Robert Wasilewski)?

Hi All, I was curious if anyone has work with Robert Wasilewski from RW Investment Strategies. http://www.rwinvestmentstrategies.com/index.html I'm looking for a 2nd opinion on my portfolio and would like to find a fee only adviser. I've tried the CFP through Vanguard and found their advice quite li...
by smurflady
Wed Feb 01, 2017 10:34 pm
Forum: Investing - Help with Personal Investments
Topic: Please Help with Portfolio Review
Replies: 5
Views: 570

Re: Please Help with Portfolio Review

Eliminate these two taxable funds. High ER and likely high tax cost. Certainly, no new contributions and no dividend/capital gains reinvestment Yes, I know I need to get out of these funds - they are leftover from when I hired a financial advisor that I shouldn't have. There are no new contribution...
by smurflady
Wed Feb 01, 2017 10:29 pm
Forum: Investing - Help with Personal Investments
Topic: Please Help with Portfolio Review
Replies: 5
Views: 570

Re: Please Help with Portfolio Review

Do you ever rollover the after tax 401k direct contributions to your Roth IRA ? Since you never received a tax deduction on your after tax 401(k) contributions, there will be no tax on the conversion. After tax 401k Contributions Every quarter, the 401K plan automatically converts the after tax con...
by smurflady
Fri Jan 27, 2017 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: Please Help with Portfolio Review
Replies: 5
Views: 570

Please Help with Portfolio Review

Hi All, Can you please help us review our portfolio and suggest potential improvements? I hope I included all needed information, but please let me know if additional information is needed. Thanks so much! Emergency funds: Six months of expenses Debt: 30 year fixed rate mortgage – 3.5% interest rate...
by smurflady
Wed Jan 06, 2016 10:59 pm
Forum: Investing - Help with Personal Investments
Topic: VXUS and VEU substantially identical?
Replies: 5
Views: 636

VXUS and VEU substantially identical?

Hi All, I'd like to TLH my VEU shares given the recent market downturn. My tax guy is saying that VXUS and VEU are substantially identical and swapping one for the other would trigger a wash sale. Everything I've read on this site says otherwise (different indices - FTSE vs. MSCI, different total # ...
by smurflady
Fri Jan 17, 2014 4:10 pm
Forum: Personal Consumer Issues
Topic: Bay area Public vs Private School
Replies: 66
Views: 19130

Re: Bay area Public vs Private School

Data is a bit dated (pulled Feb'12) but I looked at high school API scores for Alameda, Santa Clara, and San Mateo counties. It can give you a rough idea of where schools rank - Carlmont is definitely lower on the list. We looked all over the Bay Area and decided to move to Fremont for the balance o...
by smurflady
Tue Feb 26, 2013 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: Taxable account in trust?
Replies: 19
Views: 935

Re: Taxable account in trust?

Sorry for not being more clear - our trust is a living revocable trust. I'm just wondering what the benefit is of setting up the account in the trust vs. specifying the trust as a beneficiary or allowing the will to pour over the assets into the trust.
by smurflady
Tue Feb 26, 2013 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Taxable account in trust?
Replies: 19
Views: 935

Taxable account in trust?

My husband and I have written our wills and established a trust. Our lawyer has recommended we put any assets we can into the trust including savings accounts and taxable investments. However, it seems more difficult to deal with accounts in trust - opening accounts often has to be done via paper fo...
by smurflady
Mon Feb 25, 2013 5:59 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on implementing Boglehead portfolio
Replies: 14
Views: 1492

Re: Advice on implementing Boglehead portfolio

Thanks all for the advice. TD Ameritrade is offering $400 for my taxable account and $100 for each IRA account but they can't offer any free trades to sell my existing mutual funds. Trying to decide if I should stay (seems like I still have to go through a process to transfer from the institutional ...
by smurflady
Fri Feb 22, 2013 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Use a Mortgage Broker?
Replies: 8
Views: 713

Re: Use a Mortgage Broker?

I've found that mortgage brokers can beat rates direct from the bank. But I usually have to push them for the best rate by providing an online quotes. Ask your broker for today's rate and then compare to a few online sites like Amerisave. Brokers have some flexibility as they can credit you some of ...
by smurflady
Fri Feb 22, 2013 6:54 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on implementing Boglehead portfolio
Replies: 14
Views: 1492

Advice on implementing Boglehead portfolio

I'm finally ready to let my financial advisor go and implement a Boglehead portfolio. Now I'm just trying to figure out the best way to do it to minimize transaction costs. Currently, our assets are with TD Ameritrade Institutional scattered across several dozen mutual funds. I could have the accoun...
by smurflady
Wed Feb 13, 2013 11:34 am
Forum: Personal Finance (Not Investing)
Topic: HSBC lowers their rate again
Replies: 22
Views: 4020

Re: HSBC lowers their rate again

I also switched from HSBC to Ally. Just make sure to wait until they pay interest on the prior month before closing the account. I lost some unpaid interest for the month because I closed the account at the wrong time.
by smurflady
Mon Jan 28, 2013 8:42 pm
Forum: Investing - Help with Personal Investments
Topic: Which 529 plan?
Replies: 22
Views: 3062

Re: Which 529 plan?

Thanks all - I decided on the UT plan. I like being able to set a custom AA that changes over time - set it and forget it!
by smurflady
Mon Jan 28, 2013 11:53 am
Forum: Investing - Help with Personal Investments
Topic: New Boglehead - please review investment plan
Replies: 13
Views: 2156

Re: New Boglehead - please review investment plan

Interesting - I never thought about after tax contributions to my 401k plan! Unfortunately, my plan does not allow in-service withdrawals except for cases of hardship, military service, or to withdraw rollover funds. :( Any other thoughts on my investment plan overall (AA, tax efficient placement, e...
by smurflady
Sun Jan 27, 2013 11:31 pm
Forum: Investing - Help with Personal Investments
Topic: Which 529 plan?
Replies: 22
Views: 3062

Which 529 plan?

Any recommendations on which 529 plan is best when there is no state deduction? NY seems to have the lowest fees but I don't like the big changes in the aged based AA every 5 years. Should I just go with a state that has an AA that I like and reasonable fees (under 0.3%)?
by smurflady
Sun Jan 27, 2013 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: New Boglehead - please review investment plan
Replies: 13
Views: 2156

Re: New Boglehead - please review investment plan

Have you checked your 401k for after-tax contributions and in-service withdrawals? All 401k contributions are pretax. Is there benefit to making after tax contributions instead of contributing to a taxable account? I'm not sure about in service withdrawals - what would be the benefit of this? Would...
by smurflady
Sat Jan 26, 2013 5:45 pm
Forum: Investing - Help with Personal Investments
Topic: New Boglehead - please review investment plan
Replies: 13
Views: 2156

New Boglehead - please review investment plan

Thanks in advance for reviewing this post. Our current investments are scattered across quite a few mutual funds thanks to the financial advisor we hired. Rather than show the current allocations, I'm including my proposed allocations for review. Before we let our advisor go, I'm hoping a few experi...

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