Search found 7 matches

by vaught
Thu Aug 17, 2017 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: Opening an HSA tomorrow...
Replies: 10
Views: 579

Re: Opening an HSA tomorrow...

I use Health Savings Administrators. It's very easy to assemble a three fund portfolio there (VTSAX, VTIAX, VBTLX). The annual account administrative fees are a smidge high ($45/year). Other than that no real complaints. The interface isn't great but I only log in 2-3 times a year. It's easy enough...
by vaught
Thu Aug 17, 2017 2:26 pm
Forum: Investing - Help with Personal Investments
Topic: Opening an HSA tomorrow...
Replies: 10
Views: 579

Re: Opening an HSA tomorrow...

Thanks for both replies.

In case it is relevant, neither my employer or my wife's employer offer HSAs. So obviously no matching either. These would just be set up by us independently.
by vaught
Thu Aug 17, 2017 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: Opening an HSA tomorrow...
Replies: 10
Views: 579

Opening an HSA tomorrow...

I need to open up an HSA and want to get started on it right away. The "plan" would be to utilize it like an extra traditional IRA. Of course having the option to seek medical expense reimbursement makes it all the better. I have an individual health insurance plan for myself that qualifies as HDHP....
by vaught
Wed Aug 16, 2017 10:02 am
Forum: Investing - Help with Personal Investments
Topic: Trying to Save and Invest more Efficiently
Replies: 10
Views: 1251

Re: Trying to Save and Invest more Efficiently

Congrats on such a great savings rate. If you can afford it, I would max her 403b. I would also max her 457 if it is governmental (again if you can afford it). You would have to model your taxable income at various contribution levels to determine where you change brackets. But my calculator says y...
by vaught
Tue Aug 15, 2017 11:58 am
Forum: Investing - Help with Personal Investments
Topic: Trying to Save and Invest more Efficiently
Replies: 10
Views: 1251

Re: Trying to Save and Invest more Efficiently

To answer some of the pertinent questions asked: 1. Ages - 33, wife is 30, 2 yo and an infant 2. Asset Allocation - 90/10 stocks 3. Debt - we only have two pieces of debt. No credit card debt. No auto debt. Mortgage is 200k (home is conservatively 275-300k). Second piece of debt is wife's student lo...
by vaught
Tue Aug 15, 2017 11:48 am
Forum: Investing - Help with Personal Investments
Topic: Trying to Save and Invest more Efficiently
Replies: 10
Views: 1251

Re: Trying to Save and Invest more Efficiently

Since my original post, I've gotten a few pieces of news that will help with decision making. 1. Good news. I signed up for my new employer's 401k and there are multiple Vanguard accounts that I am used to seeing with super low expense ratios. I figured out what I had already contributed this year i...
by vaught
Fri Aug 11, 2017 2:33 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to Save and Invest more Efficiently
Replies: 10
Views: 1251

Trying to Save and Invest more Efficiently

I have been saving and investing pretty regularly for the last five years but have had a couple life changes recently that necessitate revisiting what I've been doing and revising to save/invest more. The main change is that I have obtained a new job that gives my wife and I more flexibility to save...