Search found 24 matches

by Bondman
Thu Jun 29, 2017 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: Maintaining Asset Allocation and Tax-Efficiency
Replies: 5
Views: 525

Maintaining Asset Allocation and Tax-Efficiency

My asset allocation calls for a certain % of US small cap value and international small cap holdings. The equity portion of the 401k plans for myself and spouse only have access to US total market, international total market, and US small blend. Currently, the only holdings within our Roth IRAs are ...
by Bondman
Wed Mar 22, 2017 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA fees with R1 tier options
Replies: 8
Views: 461

Re: TIAA fees with R1 tier options

Are you saying you have a variable annuity within your Roth IRA? What is the point of purchasing an annuity but then choosing to invest the annuity assets within equities? Is your maximum rate of return capped? Can you lose principle within this vehicle? It seems to me like this choice could cause y...
by Bondman
Fri Feb 24, 2017 9:35 pm
Forum: Investing - Help with Personal Investments
Topic: AGI in Roth phase out
Replies: 7
Views: 776

Re: AGI in Roth phase out

KlangFool wrote:
Bondman wrote:Hello,

Could you increase you or your spouse's Trad, 401K contribution to reduce your AGI?

KlangFool


Unfortunately, our expected AGI is right in the middle of the Roth phase out AFTER maximizing both of our $18,000 401(k) deferral.
by Bondman
Fri Feb 24, 2017 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: AGI in Roth phase out
Replies: 7
Views: 776

AGI in Roth phase out

Hello, New job for spouse will put us about halfway into the phaseout range for Roth IRA contributions. Our contributions are auto-set at what I think we will be eligible for. What if I put in too much? Can I withdraw contributions without penalty? Would it be better to wait to contribute until next...
by Bondman
Sun Feb 05, 2017 3:48 pm
Forum: Investing - Theory, News & General
Topic: Financial Fortitude radio show
Replies: 7
Views: 958

Re: Financial Fortitude radio show

My guess is that it they are selling insurance/annuities. Where I live there are multiple weekly radio shows that talk about guaranteed return via an annuity. They mention some of the same points regarding the market being at all time highs, scary volatility, what happened in 2008-2009,etc.
by Bondman
Thu Feb 02, 2017 11:40 pm
Forum: Investing - Help with Personal Investments
Topic: Whether or not to eliminate Vanguard Dividend Growth Fund
Replies: 2
Views: 646

Whether or not to eliminate Vanguard Dividend Growth Fund

Spouse and I (30 years each) became actively involved in retirement planning last January. We opened Roth IRAs and purchased S&P 500 index fund in mine and dividend growth fund (VDIGX) in hers. We chose the dividend growth fund thinking that it would provide more stability than a total market ap...
by Bondman
Thu Feb 02, 2017 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: Very Confusing - Employer 401K S&P 500 Fund
Replies: 4
Views: 520

Re: Very Confusing - Employer 401K S&P 500 Fund

It's built into the NAV of one share. Instead of a dividend increasing your net shares, your share value goes up.

Something about it being a CIT and not a mutual fund by definition.

Your dividend is there, just in a different way.
by Bondman
Sun Jan 01, 2017 9:18 pm
Forum: Investing - Theory, News & General
Topic: 2017 hedge fund contest
Replies: 229
Views: 31277

Re: 2017 hedge fund contest

Anti- /r/Investing Fund

LONG
-
-
-

SHORT
$TSLA
$NVDA
-
by Bondman
Thu Dec 08, 2016 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Purchasing a 2016 Honda CRV EX -- the best out the door price I have found is $25,875.20 -- is this reasonable?
Replies: 22
Views: 2442

Re: Purchasing a 2016 Honda CRV EX -- the best out the door price I have found is $25,875.20 -- is this reasonable?

Location can change things some.

We got 2016 CRV EX in July for ~$23,300 out the door price. So, your price is high, or my price was low.
by Bondman
Mon Nov 14, 2016 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: No dividend with 401K Reit idx fund
Replies: 5
Views: 812

Re: No dividend with 401K Reit idx fund

I wonder if the fund value itself got readjusted to account for any dividend


I believe this is how it works. Your # of shares don't go up, nor do you see the actual dividend distributions. However, they should be incorporated into your share value as an increase.
by Bondman
Mon Nov 07, 2016 11:35 am
Forum: Personal Finance (Not Investing)
Topic: What 529 plan are TX residents using?
Replies: 46
Views: 2983

Re: What 529 plan are TX residents using?

I am a resident of Texas. I use Nevada 529 plan in order to get access to Vanguard funds. If you are interested in Texas public universities, have you considered Texas Promise Fund?
by Bondman
Wed Nov 02, 2016 10:43 am
Forum: Investing - Help with Personal Investments
Topic: choosing new 401k investments
Replies: 9
Views: 1289

Re: choosing new 401k investments

For least effort, use 100% VFIAX
For some effort, 80% VFIAX, 20% VIMAX
For most effort, use 70% VFIAX, 20% VIMAX, 10% VSMAX
by Bondman
Sun Oct 30, 2016 3:04 pm
Forum: Personal Consumer Issues
Topic: which engineering major for renewables
Replies: 62
Views: 5196

Re: which engineering major for renewables

Chemical -> Batteries/Panels Biochemical -> Biofuels Mechanical -> Turbines? Have him take a look at the elective coursework in each engineering program at each university he is interested in. In each of the disciplines, there should be a selection of alternative energy coursework available. Of cour...
by Bondman
Tue Sep 13, 2016 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Infosec Tech jobs and quality of life in Raleigh area
Replies: 16
Views: 2136

Re: Infosec Tech jobs and quality of life in Raleigh area

It is a nice area. It may be hard to find 1.5 acres in Raleigh at the price, but if you are willing to commute 20-30 minutes, it can be done. As others said, there are several tech hotspots in the area (Raleigh by NCSU, RTP, Durham). There is an area called Brier Creek near the airport that is very ...
by Bondman
Mon Aug 29, 2016 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: Good School District or Private School?
Replies: 77
Views: 5947

Re: Good School District or Private School?

What is "in the city"? There are 3br/2bath homes near Meyerland in the low 300's that are zoned to decent elementary and Bellaire high school. It is pretty close in, maybe 15-20 minutes to downtown.
by Bondman
Fri Aug 05, 2016 12:14 pm
Forum: Personal Consumer Issues
Topic: Advice on purchasing a new Honda CRV
Replies: 26
Views: 3348

Re: Advice on purchasing a new Honda CRV

Just bought a new crv-ex. Out the door price was 23500. Spent two weeks haggling online through emails. Went to dealership with best price and went through the whole offer charade and got it down to 23500. Did not enjoy the process, Wife was primary negotiator.
by Bondman
Sat Jul 30, 2016 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: What is the best way to send the direct rollover check to Vanguard?
Replies: 35
Views: 5169

Re: What is the best way to send the direct rollover check to Vanguard?

Hi,

Last week I mailed a rollover check to Vanguard via priority mail with signature confirmation. They received it in the morning, and it was credited to my account that afternoon.
by Bondman
Fri Jul 29, 2016 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Young Professional seeking advice
Replies: 6
Views: 1035

Re: Young Professional seeking advice

Hi, Great job on your savings rate. For your T-IRA, even though you are making contributions today with after tax money, when you file your tax return, it will count it as pre-tax money. I think there will be a question or box about annual contributions to a T-IRA, and it will lower your taxable inc...
by Bondman
Wed Jul 27, 2016 3:46 pm
Forum: Personal Consumer Issues
Topic: Comcast - lease modem/router or buy?
Replies: 47
Views: 4885

Re: Comcast - lease modem/router or buy?

Absolutely buy your own device. The cost will be offset in less than a year for both the router and the modem. Comcast has a list of compatible modems. I use the Surfboard 6121. I don't think there are limitations or compatibility issues with routers. Asus and Linksys make routers that I have succes...
by Bondman
Wed Jul 20, 2016 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: 401k fund Symbol confusion: e.g. SIA-WJ, SIA-WU, etc.
Replies: 4
Views: 420

Re: 401k fund Symbol confusion: e.g. SIA-WJ, SIA-WU, etc.

Hi,

I think the issue is that they aren't really classified as mutual funds, but investment trusts. It is in effect the same type of investment, but it's somewhat less transparent. I think the wiki has information about how to find funds on yahoo/morningstar to use as a proxy.
by Bondman
Thu Jun 30, 2016 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: How is "in-state" determined?
Replies: 12
Views: 963

Re: How is "in-state" determined?

This is similar to how it worked for me in a different state with ambiguous rules. I had to show intent to establish a post-student life. In addition to the 12 month period of living there, I:

1. Registered vehicles in that state
2. Obtained drivers license in that state

That was enough for me.
by Bondman
Sun May 08, 2016 7:49 pm
Forum: Investing - Theory, News & General
Topic: Index Bond Funds
Replies: 10
Views: 1716

Re: Index Bond Funds

Thanks for your responses.
by Bondman
Sun May 08, 2016 6:10 pm
Forum: Investing - Theory, News & General
Topic: Index Bond Funds
Replies: 10
Views: 1716

Index Bond Funds

Do index bond funds like BND or BNDX or VTEB sell their bonds after buying them, or do they just ride them out to maturity?