Search found 50 matches

by dandypandys
Sat Feb 11, 2017 9:17 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to understand 403b fees
Replies: 11
Views: 1050

Re: Trying to understand 403b fees

I have to say I am still in the dark here.
Plus my HR lady is sooo reticent, I feel like I cannot ask questions anymore because she makes it feel like I am bothering her. :twisted:
by dandypandys
Sat Feb 11, 2017 9:12 pm
Forum: Investing - Help with Personal Investments
Topic: Academia female professional seeking your suggestion
Replies: 53
Views: 9850

Re: Academia female professional seeking your suggestion

Just popping in to say hola! Academia female tenured full prof I went with the 3 fund. Wholly convinced after reading the thread and chatting with Larimore. But, when I read your new house new car bit, I thought you need MrMoneymustaches help! Check it out, the forum there it is great. I started thi...
by dandypandys
Sat Feb 11, 2017 9:07 pm
Forum: Investing - Help with Personal Investments
Topic: Can I open Roth IRA now and contribute towards 2016?
Replies: 2
Views: 391

Re: Can I open Roth IRA now and contribute towards 2016?

yes, i just did it. When you put the money in there is a button to choose for either 2016 or 2017
by dandypandys
Sat Feb 11, 2017 9:05 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to understand 403b fees
Replies: 11
Views: 1050

Re: Trying to understand 403b fees

My 403b has the same sort of paragraph, I am glad you asked this question because I have always wondered about mine.
by dandypandys
Fri Jan 27, 2017 9:18 am
Forum: Investing - Theory, News & General
Topic: Swedroe's guidelines to Bonds
Replies: 113
Views: 10180

Re: Swedroe's guidelines to Bonds

Taylor, I will go get it today. Thanks for all your help :sharebeer
by dandypandys
Fri Jan 27, 2017 9:04 am
Forum: Investing - Theory, News & General
Topic: Swedroe's guidelines to Bonds
Replies: 113
Views: 10180

Re: Swedroe's guidelines to Bonds

Does Larry's book talk about Stable Asset Value funds at all? There is a copy at my library I am asking because my 403b choice of bonds was not good, so we chose a stable value fund m 14% allocation (18k) at a rate of 2.30% Interested in learning more about this in comparison to TB which i can now a...
by dandypandys
Mon Jan 23, 2017 10:22 pm
Forum: Investing - Theory, News & General
Topic: Why are Stable Value Funds not outperforming Total Bond over the long run?
Replies: 17
Views: 2893

Re: Why are Stable Value Funds not outperforming Total Bond over the long run?

Mine is The Standard’s Stable Asset Fund III m I am still not very good at comparing things as I am still new at this.. do i use the end of quarter on the Vanguard total bond? Looks like my stable asset is also trailing and the 10 yr was particularly bad. Maybe i should switch to Vanguard, fee is ch...
by dandypandys
Mon Jan 23, 2017 7:49 pm
Forum: Investing - Theory, News & General
Topic: Why are Stable Value Funds not outperforming Total Bond over the long run?
Replies: 17
Views: 2893

Re: Why are Stable Value Funds not outperforming Total Bond over the long run?

Posting to follow. I want to know more about this.. I have to decide whether i want to come out of my Stable value fund some now that i have access to total bond, or whether i should just leave it there. No idea how to compare the 2.
by dandypandys
Wed Jan 18, 2017 8:57 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1876
Views: 1158184

Re: The Three-Fund Portfolio

I am about to open my first Vanguard IRA trad account today, with 5.5k, so excited. Earlier in the thread, thanks to all your help I managed to get an equivalent to the 3 fund in my 403b. You helped me choose: Standard Stable Asset Fund ii Vanguard Total Stock Index Vanguard Developing Markets Index...
by dandypandys
Wed Jan 18, 2017 7:34 am
Forum: Investing - Help with Personal Investments
Topic: case study- roth 403b, roth, ira, taxable, investing priorities?
Replies: 21
Views: 1349

Re: case study- roth 403b, roth, ira, taxable, investing priorities?

Thank you so much for all your help :) Know what to do now - except feeling a little tempted to wait until the market drops before i drop this 5.5k into Vanguard ira. yikes, i know you shouldn't try to time the market , but .... :dollar :confused should i just bite the bullet and do it today you think?
by dandypandys
Tue Jan 17, 2017 3:28 pm
Forum: Investing - Help with Personal Investments
Topic: case study- roth 403b, roth, ira, taxable, investing priorities?
Replies: 21
Views: 1349

Re: case study- roth 403b, roth, ira, taxable, investing priorities?

one more Q- can you still put the 2016 5.5 k in now before you do the taxes? If we do our taxes and find we are hovering at the 15% 25% range we might go ahead and open one up. Pretty sure this is a basic question, sorry about the ignorance :shock: :confused:
by dandypandys
Tue Jan 17, 2017 11:49 am
Forum: Investing - Help with Personal Investments
Topic: case study- roth 403b, roth, ira, taxable, investing priorities?
Replies: 21
Views: 1349

Re: case study- roth 403b, roth, ira, taxable, investing priorities?

Thanks so much. I think we are finally understanding and getting it straight in our brains. That is great about the 5.5k each. Can we put it in the same account I wonder or will he have to open up a separate one? I think I will open them with Vanguard today and get this ball rolling! This graphic i...
by dandypandys
Tue Jan 17, 2017 7:14 am
Forum: Investing - Help with Personal Investments
Topic: case study- roth 403b, roth, ira, taxable, investing priorities?
Replies: 21
Views: 1349

Re: case study- roth 403b, roth, ira, taxable, investing priorities?

Thanks so much. I think we are finally understanding and getting it straight in our brains. That is great about the 5.5k each. Can we put it in the same account I wonder or will he have to open up a separate one? I think I will open them with Vanguard today and get this ball rolling! This graphic is...
by dandypandys
Mon Jan 16, 2017 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: case study- roth 403b, roth, ira, taxable, investing priorities?
Replies: 21
Views: 1349

Re: case study- roth 403b, roth, ira, taxable, investing priorities?

yeah thanks I have been looking at the investment order a lot. Just trying to figure out where to go for the IRA step - the step after funding 403b to match- whether into the roth ira or traditional, or just stay with the 403b until 18k and not go to the ira until after. We are doing some of the ca...
by dandypandys
Mon Jan 16, 2017 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: case study- roth 403b, roth, ira, taxable, investing priorities?
Replies: 21
Views: 1349

Re: case study- roth 403b, roth, ira, taxable, investing priorities?

yeah thanks I have been looking at the investment order a lot. Just trying to figure out where to go for the IRA step - the step after funding 403b to match- whether into the roth ira or traditional, or just stay with the 403b (roth option too) until 18k and not go to the ira until after that. We ar...
by dandypandys
Sun Jan 15, 2017 9:23 pm
Forum: Investing - Help with Personal Investments
Topic: case study- roth 403b, roth, ira, taxable, investing priorities?
Replies: 21
Views: 1349

Re: case study- roth 403b, roth, ira, taxable, investing priorities?

livesoft wrote:Rentals are supposed to give you big tax breaks and not cost you any extra taxes.

ah, didn't know that.
so you recommend just doing the 403b to max, none in the 403b roth at all? Then what is this other Roth about?
I think it is the 403b roth that is confusing me.
by dandypandys
Sun Jan 15, 2017 9:13 pm
Forum: Investing - Help with Personal Investments
Topic: case study- roth 403b, roth, ira, taxable, investing priorities?
Replies: 21
Views: 1349

Re: case study- roth 403b, roth, ira, taxable, investing priorities?

Why do you believe you will be in a higher tax bracket in retirement? I can tell you that I was in the 33% tax bracket while working and dropped to the 15% tax bracket in retirement. I think it is very unusual to be in a higher tax bracket in retirement. Besides, I can (and do) do Roth conversions....
by dandypandys
Sun Jan 15, 2017 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: case study- roth 403b, roth, ira, taxable, investing priorities?
Replies: 21
Views: 1349

Re: case study- roth 403b, roth, ira, taxable, investing priorities?

Based on what you wrote about your income and tax brackets, you should not use a Roth 403(b). I always used order 1, 3, 2, 4 and it didn't stop me from retiring early and livin' the soft life. Really? I thought it was perhaps better to pay taxes now when perhaps i am earning less than later on (jus...
by dandypandys
Sun Jan 15, 2017 8:48 pm
Forum: Investing - Help with Personal Investments
Topic: case study- roth 403b, roth, ira, taxable, investing priorities?
Replies: 21
Views: 1349

case study- roth 403b, roth, ira, taxable, investing priorities?

Emergency funds: 16k Debt: none- just paid the condo off last year Tax Filing Status: married Tax Rate: 25% Federal, 0% State State of Residence:FL Age:41 Desired Asset allocation: 20-25 international 20-25 bonds stable asset fund 60-80% all stocks. VSTAX- 50-60%ish. I fell in love with the 3-fund a...
by dandypandys
Sun Aug 07, 2016 3:36 pm
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 228
Views: 44782

Re: How much international stock? A suggestion.

Thanks again Taylor! 20% it is.
by dandypandys
Tue Aug 02, 2016 6:03 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1584
Views: 282050

Re: What are you up YTD? [Year To Date]

Is this the same as this Rate of Return % given on my Transamerica account? It says: *Calculates the percentage change of your account balance by weighting all activity included in the time period measured. It includes your investment earnings during the period and is net of plan fees and credits. I...
by dandypandys
Thu May 19, 2016 6:52 am
Forum: Investing - Theory, News & General
Topic: A time to EVALUATE your jitters
Replies: 211
Views: 145348

Re: A time to EVALUATE your jitters

I am the same, from April 1st and May 1st compared as pretty much the same number. There is a great forum http://forum.mrmoneymustache.com/ where some people are doing challenges-- i am in the 100-200k one, and noticed other people were at a stand still too- made me feel a bit better- that i wasnt doing anything wrong.
by dandypandys
Wed May 04, 2016 7:15 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1876
Views: 1158184

Re: The Three-Fund Portfolio

ooh wonder if this will reflect in my 403b.
by dandypandys
Mon May 02, 2016 9:55 am
Forum: Investing - Help with Personal Investments
Topic: case study portfolio help - I've laid it bare for feedback :)
Replies: 40
Views: 5767

Re: case study portfolio help - I've laid it bare for feedback :)

Thanks again! i did what you said, but the chart was one blue horizontal line- must have done something wrong. I am absolute beginner at Excel, need to watch some Lynda.com and get up to speed, as all you guys use them so much to calculate- and I'm like> :confused
by dandypandys
Sun May 01, 2016 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: case study portfolio help - I've laid it bare for feedback :)
Replies: 40
Views: 5767

Re: case study portfolio help - I've laid it bare for feedback :)

Thanks Five K- I was hoping someone would help with my Q- I will run this past the husband as I might be getting confused, as it still is new to me- so I might be better off doing 403b Roth for a while, since my taxes are low otherwise- and in later years when we know our income is higher i could sw...
by dandypandys
Sat Apr 23, 2016 7:24 am
Forum: Investing - Help with Personal Investments
Topic: case study portfolio help - I've laid it bare for feedback :)
Replies: 40
Views: 5767

Re: case study portfolio help - I've laid it bare for feedback :)

So i did a little calculation here m It says: Your taxes are estimated at $6,956. This is 9.5% of your total income of $73,258. 9.5% would also be your average tax rate. Your income puts you in the 15% tax bracket. At higher incomes, exemptions, many deductions and many credits are phased out. This ...
by dandypandys
Thu Apr 21, 2016 7:24 pm
Forum: Investing - Help with Personal Investments
Topic: case study portfolio help - I've laid it bare for feedback :)
Replies: 40
Views: 5767

Re: case study portfolio help - I've laid it bare for feedback :)

Hello Looking for a little more help I met with a Transamerica 403b advisor through my work this morning. A couple of things he suggested, I wanted to bring back here for 2nd opinions. Currently my 403b is as close to a 3 portfolio as possible with: 14% Standard Stable Asset Fund II 4% Vanguard Long...
by dandypandys
Wed Apr 20, 2016 8:57 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4148
Views: 1102357

Re: U.S. stocks in freefall

As a beginner, I am finding this thread really helpful- thanks Advisors!
by dandypandys
Mon Apr 11, 2016 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: case study portfolio help - I've laid it bare for feedback :)
Replies: 40
Views: 5767

Re: case study portfolio help - I've laid it bare for feedback :)

You are fantastic, great job! I think my library has the first one, I might buy the 2nd!
Thanks for all your help. Dana
by dandypandys
Mon Apr 11, 2016 11:49 am
Forum: Investing - Help with Personal Investments
Topic: case study portfolio help - I've laid it bare for feedback :)
Replies: 40
Views: 5767

Re: case study portfolio help - I've laid it bare for feedback :)

Thanks Taylor. I think i will go with the 80/20 developing and emerging international to fill the need of the Total international stock in my 3 fund- I am on p23 of your 3 fund thread! It has taken a long time to read, but it has been worth it. ALSO my library here in FL has your book~!!! I am going...
by dandypandys
Mon Apr 11, 2016 6:50 am
Forum: Investing - Help with Personal Investments
Topic: case study portfolio help - I've laid it bare for feedback :)
Replies: 40
Views: 5767

Re: case study portfolio help - I've laid it bare for feedback :)

i read the wiki and here too>https://www.bogleheads.org/wiki/Slice_and_dice_international and here m but i still would prefer a wise word from someone on the above question in relationship to what my 403b offers, much appreciated! i've read all morning and googled the heck out of this forum found th...
by dandypandys
Sun Apr 10, 2016 6:00 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1876
Views: 1158184

Re: The Three-Fund Portfolio

Ah ok, thanks! Looks like I can't exactly, but 70 % developing 30% emerging might be close? Darn it is frustrating when a retirement fund doesn't let you do this simple portfolio exactly as you guys have laid it out.

Edit, finished this mammoth thread woooohooooo!!!!!!!! :happy :D :) :o :P 8-) :sharebeer
by dandypandys
Sun Apr 10, 2016 5:17 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1876
Views: 1158184

Re: The Three-Fund Portfolio

I am on page 14 now, but still haven't come across the answer I need. Hope it is ok to post here, as it is already in my other thread. What percentages of each of VTMGX Vanguard Dvlp Mrkts Indx Admrl and VEMAX Vanguard Emerging Mkts Stock Idx Adm would make the closest resemblance to Vanguard total ...
by dandypandys
Sun Apr 10, 2016 1:10 pm
Forum: Investing - Help with Personal Investments
Topic: case study portfolio help - I've laid it bare for feedback :)
Replies: 40
Views: 5767

Re: case study portfolio help - I've laid it bare for feedback :)

Hello My question this time is since I don't have Vanguard total international stock VGTSX, should I do VTMGX Vanguard Dvlp Mrkts Indx Admrl alone or with VEMAX Vanguard Emerging Mkts Stock Idx Adm and in what %, thanks! I am now on p20 of the 3-fund thread and reading "a random walk down wall ...
by dandypandys
Sat Apr 09, 2016 8:07 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1876
Views: 1158184

Re: The Three-Fund Portfolio

I'm getting closer and closer to this now! I have 9 funds now, down from a gadjillion hahah! 6 of them are Vanguard low cost index ones too. So glad my 403b has VSTAX. It doesn't have total international, but it does have Vanguard Dvlp Mrkts Indx Admrl and Vanguard Emerging Mkts Stock Idx Adm yay! T...
by dandypandys
Fri Apr 08, 2016 12:18 pm
Forum: Investing - Theory, News & General
Topic: www.portfoliocharts.com ... "The Coolest Portfolio Tool on the Web"?
Replies: 177
Views: 35874

Re: www.portfoliocharts.com ... "The Coolest Portfolio Tool on the Web"?

i had to do one for class recently, it was really easy on my mac, using Quicktime player FILE> New screen recording.
I edited in imovie and from there posted to youtube.
by dandypandys
Fri Apr 08, 2016 9:43 am
Forum: Investing - Theory, News & General
Topic: www.portfoliocharts.com ... "The Coolest Portfolio Tool on the Web"?
Replies: 177
Views: 35874

Re: www.portfoliocharts.com ... "The Coolest Portfolio Tool on the Web"?

Hi Tyler, I'm stalking you on mmm too hahah. So being a total newb, and not a chart person so much, I get a bit confused looking at the charts- (i am such a newb that i even had to look up what CAGR means). I was wondering if you could do a little youtube voiceover screencapture tour, explaining and...
by dandypandys
Sun Apr 03, 2016 1:54 pm
Forum: Investing - Help with Personal Investments
Topic: case study portfolio help - I've laid it bare for feedback :)
Replies: 40
Views: 5767

Re: case study portfolio help - I've laid it bare for feedback :)

Lafder, thanks for your help! I am glad you pointed out the reason for gold not replacing bonds because of ability to do transfers in account- that is true, i hadn't factored that in at all so def changes my thinking. I am definitely considering selling the gold to get rid of the mortgage. I will ha...
by dandypandys
Sun Apr 03, 2016 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: case study portfolio help - I've laid it bare for feedback :)
Replies: 40
Views: 5767

Re: case study portfolio help - I've laid it bare for feedback :)

Great news, ok thanks so much for your help, I really appreciate it.
by dandypandys
Sun Apr 03, 2016 11:35 am
Forum: Investing - Help with Personal Investments
Topic: case study portfolio help - I've laid it bare for feedback :)
Replies: 40
Views: 5767

Re: case study portfolio help - I've laid it bare for feedback :)

Miriam, thanks for those links! I needed them- as I was completely lost there, no idea what it was.
by dandypandys
Sun Apr 03, 2016 11:03 am
Forum: Investing - Help with Personal Investments
Topic: case study portfolio help - I've laid it bare for feedback :)
Replies: 40
Views: 5767

Re: case study portfolio help - I've laid it bare for feedback :)

Ok thanks, still trying to sort it all out in my head too.
I emailed TRansamerica and they did not reply, i will call tomorrow. Though googling around i found this: https://www.standard.com/eforms/16276.pdf I don't know if that 2.25% is the yield?
by dandypandys
Sun Apr 03, 2016 7:34 am
Forum: Investing - Help with Personal Investments
Topic: case study portfolio help - I've laid it bare for feedback :)
Replies: 40
Views: 5767

Re: case study portfolio help - I've laid it bare for feedback :)

Given those bond fund choices, I think I might try to build something that looks like Total Bond by mixing VG long treasury, Prudential short corporate, and Wells Fargo short government in some proportion. Personally I don't think I'd be comfortable with my entire bond exposure being long treasurie...
by dandypandys
Fri Apr 01, 2016 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: case study portfolio help - I've laid it bare for feedback :)
Replies: 40
Views: 5767

Re: case study portfolio help - I've laid it bare for feedback :)

I looked back at how my account has been doing, wow turbulent! Glad i never noticed it much. 2015 Jan 1st: 98,437.97 Feb 1st: $96,898.03 Mar 1st: $103,345.54 Apr 1st: $103,819.64 May 1st $105,766.12 Jun 1st $106,565.54 Jul 1st: $105,252.33 Aug 1st: $106,267.37 Sept 1st: $99,122.12 Oct 1st: $99,291.9...
by dandypandys
Fri Apr 01, 2016 7:58 am
Forum: Investing - Help with Personal Investments
Topic: case study portfolio help - I've laid it bare for feedback :)
Replies: 40
Views: 5767

Re: case study portfolio help - I've laid it bare for feedback :)

Good morning! Still confused about the Standard Stable Asset Fund II though. Going to call today to be enlightened. I did the Vanguard questionnaire. It says i should have 80% Stocks, 20% Bonds and and 0% short term reserves I currently have 66% stocks, 5% bonds and 29% short term reserves ( 20k cas...
by dandypandys
Thu Mar 31, 2016 9:08 pm
Forum: Investing - Help with Personal Investments
Topic: case study portfolio help - I've laid it bare for feedback :)
Replies: 40
Views: 5767

Re: case study portfolio help - I've laid it bare for feedback :)

Dandypants: You immediately strengthened your portfolio and saved significant interest (5.95%). Your most important financial decision may be your stock/ and fixed-income ratio. More than anything else, it determines your expected return and expected risk. Use this Investor Questionnaire to help yo...
by dandypandys
Thu Mar 31, 2016 7:33 pm
Forum: Investing - Help with Personal Investments
Topic: case study portfolio help - I've laid it bare for feedback :)
Replies: 40
Views: 5767

Re: case study portfolio help - I've laid it bare for feedback :)

thanks, ok that is good to know that i can sort of mimic the bond index with what they offer. it is just so confusing when i read the sheets about each bond, gobbledeegoop as a beginner.
by dandypandys
Thu Mar 31, 2016 5:33 pm
Forum: Investing - Help with Personal Investments
Topic: case study portfolio help - I've laid it bare for feedback :)
Replies: 40
Views: 5767

Re: case study portfolio help - I've laid it bare for feedback :)

Thanks, I just spent quite a bit of time copy and pasting it all in- probably was an easier way through mint or something. I got a little tired before i did all the fees and tickers sorry! I chose the Vanguard bond because it was cheapest and had the word 'long' which i presumed meant if i held it a...
by dandypandys
Thu Mar 31, 2016 2:31 pm
Forum: Investing - Help with Personal Investments
Topic: case study portfolio help - I've laid it bare for feedback :)
Replies: 40
Views: 5767

case study portfolio help - I've laid it bare for feedback :)

[Moved into a new thread from: The Three-Fund Portfolio --admin LadyGeek] First post, long time lurker. I want to do a simple 3 too, but i cant because my 403b- although it has VSTAX it does not have total bond index.. any ideas on which bond (s) to choose instead? As you can see i have 7% in one, ...