Search found 34 matches

by tryinghard
Wed Aug 23, 2017 8:56 pm
Forum: Investing - Help with Personal Investments
Topic: Severance and 401K Help
Replies: 4
Views: 486

Re: Severance and 401K Help

Could we do an independent tax-deductible IRA up to the yearly max?
by tryinghard
Wed Aug 23, 2017 8:46 pm
Forum: Investing - Help with Personal Investments
Topic: Severance and 401K Help
Replies: 4
Views: 486

Severance and 401K Help

Need some help in helping a young family member who was just laid off earlier this year. Because it was so early in the year not much was contributed to his 401K for the year. The layoff came quick and he was told that no part of the severance was allowed to be contributed to his company 401K retire...
by tryinghard
Tue Aug 08, 2017 10:15 pm
Forum: Investing - Help with Personal Investments
Topic: Cheapest 529 Plan - Not worried about State tax deduction
Replies: 6
Views: 679

Cheapest 529 Plan - Not worried about State tax deduction

Has anyone figured out who has the best 529 plan for those not needing a State tax deduction?
Just checking to see if someone has already figured out the answer? Obviously cheap index fund investing options with low expenses would be ideal!
Can anyone comment on who they went with and why?
Thank you!
by tryinghard
Sun Jun 18, 2017 12:39 am
Forum: Investing - Help with Personal Investments
Topic: Producing Income in Taxable Account (Not Retired)
Replies: 19
Views: 1944

Re: Producing Income in Taxable Account (Not Retired)

Everything makes sense on what you all are posting... How about if I didn't need the income generated by the invested money to pay the mortgage and I just let it grow? Would this change things? Same scearnio but let's say I can pay my mortgage outright with a very secure job...I have a lot of money ...
by tryinghard
Sat Jun 17, 2017 10:53 pm
Forum: Investing - Help with Personal Investments
Topic: Producing Income in Taxable Account (Not Retired)
Replies: 19
Views: 1944

Re: Producing Income in Taxable Account (Not Retired)

Thanks again for all of the insight.... As mentioned earlier by someone who clarified it for me.."Does it make sense to borrow money for a 30 yr mortgage in order to invest in a taxable account?" That IS my question. Figure a mortgage rate (after my tax deduction) right at 2.55%. My thought process ...
by tryinghard
Sat Jun 17, 2017 1:06 pm
Forum: Investing - Help with Personal Investments
Topic: Producing Income in Taxable Account (Not Retired)
Replies: 19
Views: 1944

Re: Producing Income in Taxable Account (Not Retired)

Side note to help ease the 4.8 percent withdrawal rate.... I would be fine with 3-4 percent withdrawal rate. I'm guessing a mixture of municipal bonds and the vanguard dividend appreciation fund (taking out dividends only every year) might be my best bet? (Getting taxed at only 15% on the dividends ...
by tryinghard
Sat Jun 17, 2017 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: Producing Income in Taxable Account (Not Retired)
Replies: 19
Views: 1944

Re: Producing Income in Taxable Account (Not Retired)

Thanks for all the replies.... The income would be used to "help" pay a mortgage...but please dont panic...if times got tough I have other sources to continue to pay every month without a hiccup...I just want to allocate this 100k to the mortgage itself without giving it to the bank upfront. Basical...
by tryinghard
Sat Jun 17, 2017 10:21 am
Forum: Investing - Help with Personal Investments
Topic: Producing Income in Taxable Account (Not Retired)
Replies: 19
Views: 1944

Producing Income in Taxable Account (Not Retired)

Bogleheads, Looking to invest 100K in a taxable account to produce some current income. I need about $400/month and plan on just withdrawing it from the overall balance each month by selling the fund (auto withdrawal). I understand there will be times that I am taking out the original principal to g...
by tryinghard
Thu Jun 15, 2017 10:46 pm
Forum: Investing - Help with Personal Investments
Topic: Mortgage Money - What to do if not paying off?
Replies: 2
Views: 557

Mortgage Money - What to do if not paying off?

Bogleheads, My question is related to a new mortgage. Rates are low and I want to only put down 20%. I could put down more money but have already decided that my money will be better utilized (tax rate/expected rate of return) staying in my own pocket placed in investments. With this stated, my mont...
by tryinghard
Thu Nov 17, 2016 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Newborn on an HSA plan
Replies: 9
Views: 1117

Re: Newborn on an HSA plan

Did I this right? Her employer would pay the premiums and fully fund the HSA?

I have done the math and am a big fan of HSAs for certain people and in certain scenarios....however they don't work for everyone and don't always make sense.
by tryinghard
Mon Sep 05, 2016 4:47 pm
Forum: Investing - Theory, News & General
Topic: Intl Funds behavior with a falling USD?
Replies: 4
Views: 613

Re: Intl Funds behavior with a falling USD?

Awesome....thanks for the information
by tryinghard
Mon Sep 05, 2016 4:19 pm
Forum: Investing - Theory, News & General
Topic: Intl Funds behavior with a falling USD?
Replies: 4
Views: 613

Intl Funds behavior with a falling USD?

All, My question lies with the behavior of intl funds and/or stocks when the U.S. Dollar weakens.... I know lately the dollar has been high and therefore hurt intl funds but can I expect the opposite to be true? When the dollar starts to drop relative to other currencies that my intl/emerging market...
by tryinghard
Tue May 24, 2016 3:16 am
Forum: Investing - Help with Personal Investments
Topic: Global Reits / Small Caps
Replies: 3
Views: 532

Global Reits / Small Caps

Need some opinions... I am looking to further diversify my portfolio and looking to add Vanguard Global ex-US Reit Fund and Vanguard Small Cap Value Index Fund. Does anyone have opinions on adding these funds to a portfolio that currently owns Total US Stock Market / Total Intl Stock Market / US Rei...
by tryinghard
Thu Mar 17, 2016 11:05 pm
Forum: Investing - Help with Personal Investments
Topic: Growth or Income Focus for Roth IRA?
Replies: 10
Views: 1278

Growth or Income Focus for Roth IRA?

Bogleheads, Right now my Roth IRA is 100% dividend focused (with large caps) and I am looking to maybe add some mid and small caps for some diversity. I have approximately 30-40 yrs before I plan on using any of this money. Considering the type of account (roth ira - tax free) and the time period (v...
by tryinghard
Wed Jan 27, 2016 5:34 pm
Forum: Investing - Help with Personal Investments
Topic: Need more small/mid caps...
Replies: 9
Views: 888

Re: Need more small/mid caps...

I really appreciate the responses and help!
by tryinghard
Wed Jan 27, 2016 1:05 pm
Forum: Investing - Help with Personal Investments
Topic: Need more small/mid caps...
Replies: 9
Views: 888

Re: Need more small/mid caps...

Valdeselad wrote:
traveler90 wrote:Vanguard Extended Market
Vanguard Small-Cap Index

^ It should be noted that the Vanguard Small Cap Index is only small cap in name...it does contain a substantial amount of mid-caps (close to 40% I believe).


Do you know where I can find these facts?
by tryinghard
Wed Jan 27, 2016 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: Need more small/mid caps...
Replies: 9
Views: 888

Need more small/mid caps...

Bogleheads, I am need of your opinion on a fund to help boost my allocations to small and mid caps . I am overweighted in large caps in my portfolio and planning on purchasing a fund that will be in my roth ira . Is there anything out there that will help me raise my allocation to small/mids in a bl...
by tryinghard
Mon Jan 04, 2016 11:22 pm
Forum: Investing - Theory, News & General
Topic: 2016 Backdoor Roth
Replies: 1
Views: 419

2016 Backdoor Roth

Has anyone heard if Backdoor Roth IRAs will be allowed in 2016?
I know the new budget was trying to get them eliminated but I didn't hear if they passed?
Thanks! 8-)
by tryinghard
Fri Oct 30, 2015 11:52 am
Forum: Investing - Help with Personal Investments
Topic: Forced to changed investments in 401k...
Replies: 6
Views: 708

Forced to changed investments in 401k...

I need some help... My wife was notified that her 401k would be changing next year and the funds she is currently invested in would soon not be available. Of course I follow the bogleheads way and currently have her in a 3 fund index portfolio. Currently that is made up of an SP500 index fund, a tot...
by tryinghard
Sat Oct 10, 2015 11:11 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Munis...
Replies: 6
Views: 978

Re: Help with Munis...

Thanks Geologist.
I guess I meant more divesified in "duration" and not the bonds themselves since the new bond fund holds short/inter/long as opposed to just intermediate. Im assumig having different durations doesnt help you out that much if you are planning on buying and holding?
by tryinghard
Sat Oct 10, 2015 11:07 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard "cash" purchase
Replies: 3
Views: 561

Re: Vanguard "cash" purchase

Excellent! So I guess using a money market account as a "holding area" for money to make immediate purchases is not needed? What you are saying is vanguard extends you "credit" on the day you want to make a purchase even though they dont get their money immediately. Thanks!
by tryinghard
Sat Oct 10, 2015 10:45 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard "cash" purchase
Replies: 3
Views: 561

Vanguard "cash" purchase

I have a vanguard account and have a question about purchases.... Normally when I want to make a purchase (not an auto investment) I sign in an try to buy a fund before the cut off time that day wanting that closing price....In the past I have assumed that it wont purchase the fund until Vanguard ge...
by tryinghard
Sat Oct 10, 2015 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Munis...
Replies: 6
Views: 978

Help with Munis...

I currently own Vanguard intermediate term tax-exempt bond fund (vwitx) and wondering if I should switch over to the new Vanguard tax-exempt bond index fund (vteax)? I know Bogle himself said intermediate term is all you need when looking into munis in a taxable account....and the new vteax has a .2...
by tryinghard
Sun Mar 01, 2015 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: Fund for 50+ years???
Replies: 6
Views: 750

Re: Fund for 50+ years???

Ive narrowed it down to these 3 funds for this particular account. In addition, I am heavy in index funds in my other accounts so don't mind trying an actively managed fund. Besides trading in the fund itself raising the overall costs, I am not too concerned with taxes since it will be held in a tax...
by tryinghard
Sun Mar 01, 2015 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: Fund for 50+ years???
Replies: 6
Views: 750

Fund for 50+ years???

In your opinion...which is the best one stop fund for a tax deferred investment that I plan to hold for 50+ years? Going to make a one time lump sum investment and let it roll... Lifestrategy Moderate Growth (exp .16)? Vanguard Wellington Fund (exp .26)? Vanguard Balanced Fund (exp .09)? Note: Assum...
by tryinghard
Wed Jul 30, 2014 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: Which one is the better portfolio?
Replies: 5
Views: 923

Re: Which one is the better portfolio?

@ LAlearning

That's about it reference investment options.
Keeping investments as is ([st option) is creating an overall ER of only .20/yr.
by tryinghard
Tue Jul 29, 2014 10:53 pm
Forum: Investing - Help with Personal Investments
Topic: Which one is the better portfolio?
Replies: 5
Views: 923

Which one is the better portfolio?

Which porfolio (of the three) looks best for a 401K? (I am comfortable with 90/10 stocks to bonds) Fidelity Spartan 500 Index / .05 / 49% (Large Cap) Fidelity Spartan Intl Index. / .17 / 20% (Intl) Vanguard Total Bond Market Index / .08 / 10% (Income) Fidelity Low Price Stock Fund / .68 / 8% (Mid Ca...
by tryinghard
Tue Jul 29, 2014 12:31 am
Forum: Investing - Theory, News & General
Topic: The Best Health Savings Account Custodians?
Replies: 4
Views: 1183

The Best Health Savings Account Custodians?

Has anyone found a HSA custodian (for investing) that they really like? It seems like most that I have found have real high fees for investing (or high expense ratios)...
Thanks for the help!
by tryinghard
Mon Jul 28, 2014 11:43 pm
Forum: Investing - Help with Personal Investments
Topic: Should I stay the course or change?
Replies: 1
Views: 263

Should I stay the course or change?

Fellow Bogleheads: Im looking into changing my 401K investments in the relentless pursuit of saving money and maximizing returns. Some new funds became available to me in my 401K and I am now taking a new look into maybe eliminating funds to save some money but obviously dont want to lose potential ...
by tryinghard
Sun Jul 06, 2014 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: Question about dividend stocks in taxable account
Replies: 2
Views: 494

Question about dividend stocks in taxable account

All, I have read several posts (including principles of tax efficient fund placement) about holding dividend stocks and that they should be held in most cases in a tax advantaged account. In addition, as a true boglehead, I understand that holding individual stocks is very risky. With this mentioned...
by tryinghard
Sun Jul 06, 2014 2:14 pm
Forum: Investing - Theory, News & General
Topic: US Total Stock Market Index worth in today's dollars?
Replies: 8
Views: 2256

Re: US Total Stock Market Index worth in today's dollars?

Thank you all! I really appreciate it....very helpful and got my answer!
by tryinghard
Sat Jul 05, 2014 12:32 am
Forum: Investing - Theory, News & General
Topic: US Total Stock Market Index worth in today's dollars?
Replies: 8
Views: 2256

US Total Stock Market Index worth in today's dollars?

I am trying to figure out what $10K invested in 1970 in a US total stock market index fund (like VTSAX) would be worth in today's dollars? Or maybe just the SP500 index fund? Can someone give me some help on how I can figure this out? Trying to do some comparisons and can't find the info for that fa...
by tryinghard
Mon Mar 24, 2014 11:18 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 401K Selections
Replies: 4
Views: 403

Re: Help with 401K Selections

Thanks for the help.... I do have outside investments however up until now, I have viewed each one of my accounts as "stand alone" accounts and try to get the correct overall allocation in each one. Is the risk of a mutual fund "closing" and being merged into another fund somethi...
by tryinghard
Mon Mar 24, 2014 1:08 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 401K Selections
Replies: 4
Views: 403

Help with 401K Selections

Need some advice from the experts on here... I am trying to find the best mix of mutual funds for my company 401k that uses Fidelity. There are lots of choices however most funds I can pick from have exp ratios that are over .60 and are actively managed. The exceptions are SPTN 500 INDEX, SPTN INTL ...