Search found 14 matches

by travelogue
Tue Oct 17, 2017 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: Thrift Savings Plan
Replies: 22
Views: 1842

Re: Thrift Savings Plan

Agree with L funds. Your time horizon and desired risk to reward ratio will guide your choice of L target date(s). You have the option of both an inter fund transfer to rebalance what you already have saved and changing your allocation for future investments. Expense ratios are *super* low for TSP. ...
by travelogue
Sun Oct 15, 2017 8:02 pm
Forum: Investing - Help with Personal Investments
Topic: vwinx and voo distribution [Vanguard Wellesley Income, 500 Index]
Replies: 11
Views: 1065

Re: vwinx and voo distribution [Vanguard Wellesley Income, 500 Index]

I think the Wellesley fund is one of the best funds in existence. A solid choice for the long haul. Vanguard Wellesley Income: Buy And Hold Forever $VWINX http://www.seekingalpha.com/article/4078271 https://www.bogleheads.org/forum/viewtopic.php?t=209617 VWINX would provide a nice, balanced core hol...
by travelogue
Sun Oct 15, 2017 6:59 am
Forum: Investing - Help with Personal Investments
Topic: parking the $ to buy a vacation condo
Replies: 10
Views: 1102

Re: parking the $ to buy a vacation condo

Similar to you, we're holding funds in anticipation of closing on a mortgage in a Money Market account earning 1.2% at Capital One 360. I would recommend something like that for you, either at Cap One 360 or Ally Bank. You want the funds liquid, FDIC insured, and not subject to market risk. Your len...
by travelogue
Sat Oct 14, 2017 1:19 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab vs Vanguard
Replies: 71
Views: 16934

Re: Schwab vs Vanguard

Chiming in. We have accounts and Vanguard and now Schwab. Moved to Schwab for better checking than Wells Fargo and have started to invest in no-fee ETFs in the associated brokerage account. All has been pretty great, including a welcome phone call from a real human, nice checks and checkbook covers ...
by travelogue
Sun Oct 08, 2017 9:44 pm
Forum: Investing - Help with Personal Investments
Topic: 529 Rollover Question
Replies: 4
Views: 415

Re: 529 Rollover Question

@rickparks -- right, that's the idea. I'll contribute during the year, take the tax deduction, then roll them into a better 529 for the long-term. Here are the MD rules: Maryland College Investment Plan If you are the account holder or a contributor, you may deduct up to $2,500 of contributions each...
by travelogue
Sun Oct 08, 2017 3:35 pm
Forum: Investing - Help with Personal Investments
Topic: Keeping Tabs on Investment Accounts
Replies: 13
Views: 1136

Re: Keeping Tabs on Investment Accounts

I use Mint for the overview and log into each account for the details. Recently switched to Schwab for checking and taxable brokerage and might try their Summary feature.
by travelogue
Sun Oct 08, 2017 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: 529 Rollover Question
Replies: 4
Views: 415

529 Rollover Question

We have three kids and started a Maryland 529 account for each of them at the beginning of this year (2017). The fees in MD's plan (administered by T.Rowe Price) are fairly high (.66% for one and .72% for the other two) for the AA we want. I'm thinking of rolling the accounts over each year to anoth...
by travelogue
Tue Aug 29, 2017 10:25 pm
Forum: Investing - Help with Personal Investments
Topic: Another TIAA High Expense Question - Trad Only?
Replies: 8
Views: 544

Another TIAA High Expense Question - Trad Only?

I've read through quite a few threads on TIAA-CREF, and there's some good info and discussion on the pluses and minuses of their offerings. I was hoping to get some community feedback on my understanding and possible strategy. My spouse is a relatively new employee of a small independent school. Bec...
by travelogue
Wed Aug 23, 2017 8:46 am
Forum: Investing - Theory, News & General
Topic: Target Date Funds, Rebalancing, and Bear Markets
Replies: 5
Views: 1245

Target Date Funds, Rebalancing, and Bear Markets

Markets fluctuate. How will a target date fund react to a bear market (equities down 40% or more, steep drop, duration of about 10-24 months)? Let's consider the TSP L2040 as an example (allocations below): July 2017 G Fund: 20.58% F Fund: 6.42% C Fund: 39.10% S Fund: 12.00% I Fund: 21.90% TSP L fun...
by travelogue
Sun Aug 13, 2017 2:48 am
Forum: Investing - Help with Personal Investments
Topic: TSP only vs TSP and Vanguard IRA
Replies: 19
Views: 1262

Re: TSP only vs TSP and Vanguard IRA

OK, back after re-reading the posts above and a few more resources. We're definitely disqualified from deducting tIRA contributions based on income limitations . It seems that after I max the TSP at $18k (and $24k after 50), I'll need to calculate modified AGI to see if we're above or below the mAGI...
by travelogue
Sun Aug 13, 2017 1:59 am
Forum: Investing - Help with Personal Investments
Topic: TSP Allocation Strategy for the AGRESSIVE Investor
Replies: 36
Views: 2416

Re: TSP Allocation Strategy for the AGRESSIVE Investor

mckaydw wrote: ↑
Sat Aug 12, 2017 2:27 pm
Just put it all in L2050 and forget about it until retirement age.
I think this is a decent suggestion. You could do an interfund transfer of existing contributions to L2040 to protect principle and then pile new contributions into L2050 to buy into future dips.
by travelogue
Sun Aug 13, 2017 1:50 am
Forum: Investing - Help with Personal Investments
Topic: TSP only vs TSP and Vanguard IRA
Replies: 19
Views: 1262

Re: Why max TSP before outside IRA?

Can you fund both TSP @ $18k and a Roth @ $5,500? If so, you're good. If not, the advantage to funding a Roth is to "call dibs" in this tax-free space for further down the line. The usual advice, if you can't do both, is to fund your TSP to the match ($5%), then max out the Roth, then go back to TS...
by travelogue
Sat Aug 12, 2017 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: TSP only vs TSP and Vanguard IRA
Replies: 19
Views: 1262

TSP only vs TSP and Vanguard IRA

Is there a difference between $15k invested in pretax TSP vs $10k pretax TSP plus $5k Vanguard traditional IRA? (In both scenarios, the 5% TSP match is being met.)
by travelogue
Sat Aug 12, 2017 4:34 pm
Forum: Investing - Help with Personal Investments
Topic: TSP only vs TSP and Vanguard IRA
Replies: 19
Views: 1262

Why max TSP before outside IRA?

Hi folks, Because of phase outs and desire to reduce taxable income today, I'm contributing to pre-tax "traditional" TSP (not "Roth") and have just opening a Vanguard traditional IRA. My question is, why is it better to max the TSP at $18,000 before starting on the $5,500 IRA limit? I know getting i...