Search found 26 matches

by Dashboard
Thu Aug 18, 2016 1:30 pm
Forum: Personal Investments
Topic: spreadsheet [to organize a portfolio]
Replies: 23
Views: 3111

Re: spreadsheet

Up until just recently, I tried to accomplish much of my budgeting/planning using Google Sheets (after all, it's "free"). A recent 2-day internet outage at my home has cured me of that notion, and I am contemplating a switch to the free Libre Office, or the paid Microsoft Office. Just be aware that...
by Dashboard
Mon Aug 15, 2016 5:41 pm
Forum: Personal Investments
Topic: Misunderstood how to use Lazy 3-Fund Portfolio, did it wrong, need to make it right. Help appreciated.
Replies: 51
Views: 7395

Re: Misunderstood how to use Lazy 3-Fund Portfolio, did it wrong, need to make it right. Help appreciated.

You are learning very quickly. :happy My suggestions are -to try to nail down what you think your stock to bond ratio should be; just do your best and realize it can be adjusted as you learn more about investing and about how you feel about investing; -invest most or all of the 42k in the taxable a...
by Dashboard
Sun Aug 14, 2016 11:11 pm
Forum: Personal Investments
Topic: Misunderstood how to use Lazy 3-Fund Portfolio, did it wrong, need to make it right. Help appreciated.
Replies: 51
Views: 7395

Re: Misunderstood how to use Lazy 3-Fund Portfolio, did it wrong, need to make it right. Help appreciated.

... Let me ask, since this is month #1 of my conscious investing, with the little money I have and the fact that I have $0 in any IRAs, would going with your options above for the next year be a safe bet to make the money vanish from my checking account, and be somewhere sensible until I become a m...
by Dashboard
Sun Aug 14, 2016 10:39 pm
Forum: Personal Investments
Topic: Misunderstood how to use Lazy 3-Fund Portfolio, did it wrong, need to make it right. Help appreciated.
Replies: 51
Views: 7395

Re: Misunderstood how to use Lazy 3-Fund Portfolio, did it wrong, need to make it right. Help appreciated.

2) I have not firmly decided on anything, I am still just malleable. Maybe 90/10 is good, I have a higher risk tolerance due to suffering through a real estate decline, I’ve felt the pain of loss loss loss and all the fallacies that come with thinking it’s gonna “come back” and having to hold I wou...
by Dashboard
Sun Aug 14, 2016 9:56 pm
Forum: Personal Investments
Topic: Misunderstood how to use Lazy 3-Fund Portfolio, did it wrong, need to make it right. Help appreciated.
Replies: 51
Views: 7395

Re: Misunderstood how to use Lazy 3-Fund Portfolio, did it wrong, need to make it right. Help appreciated.

I have my yearly bonus and rsu now. 42k. As I have never had an IRA, I am curious if i should fund it fully right now. But as it has no funds and vanguard has a 3000 min to open a fund, I would have to load it pretty heavy with bonds, right? Then 2500 in stock? Dashboard, The first thing you need t...
by Dashboard
Sun Aug 14, 2016 3:14 am
Forum: Personal Investments
Topic: Misunderstood how to use Lazy 3-Fund Portfolio, did it wrong, need to make it right. Help appreciated.
Replies: 51
Views: 7395

Re: Misunderstood how to use Lazy 3-Fund Portfolio, did it wrong, need to make it right. Help appreciated.

... I have my yearly bonus and rsu now. 42k. As I have never had an IRA, I am curious if i should fund it fully right now. But as it has no funds and vanguard has a 3000 min to open a fund, I would have to load it pretty heavy with bonds, right? Then 2500 in stock? Given those minimums and maximums...
by Dashboard
Sun Aug 14, 2016 3:02 am
Forum: Personal Investments
Topic: Misunderstood how to use Lazy 3-Fund Portfolio, did it wrong, need to make it right. Help appreciated.
Replies: 51
Views: 7395

Re: Misunderstood how to use Lazy 3-Fund Portfolio, did it wrong, need to make it right. Help appreciated.

I have my yearly bonus and rsu now. 42k. Where/in what kind of account is this money located? As I have never had an IRA, I am curious if i should fund it fully right now. I'm not sure if you should or not. As I understand it, you are not eligible to contribute directly to Roth IRA. And you are not...
by Dashboard
Sat Aug 13, 2016 11:24 am
Forum: Personal Investments
Topic: Misunderstood how to use Lazy 3-Fund Portfolio, did it wrong, need to make it right. Help appreciated.
Replies: 51
Views: 7395

Re: Misunderstood how to use Lazy 3-Fund Portfolio, did it wrong, need to make it right. Help appreciated.

It may turn out that many or most of those same exact funds will be available as individual funds in your 401k. If so, you can use these funds below... SSgA S&P 500 Index A 16.97 SSgA Russell 2000 Index A 3.28 SSgA ACWI ex-US Index A 9.4 SSgA ACWI ex-US Small Cap Index A 1.58 SSgA U.S. Bond Index A...
by Dashboard
Sat Aug 06, 2016 11:17 am
Forum: Personal Investments
Topic: Any renters just focused on maxing out retirement accounts?
Replies: 13
Views: 2650

Re: Any renters just focused on maxing out retirement accounts?

I live in the bay area too, moved with family a few years ago to start over and take a tech job. I love my life here, so I struggle with the idea of never buying here. Presently I rent a townhome down in the peninsula for $3.70 a foot at 1000 feet for 4 people. Place would be about a million bucks. ...
by Dashboard
Thu Aug 04, 2016 6:20 pm
Forum: Personal Investments
Topic: Misunderstood how to use Lazy 3-Fund Portfolio, did it wrong, need to make it right. Help appreciated.
Replies: 51
Views: 7395

Re: Misunderstood how to use Lazy 3-Fund Portfolio, did it wrong, need to make it right. Help appreciated.

The portfolio summary you wrote is correct. The allocation of the 401k, according to the fact sheet from my employer for 2016, is 90/10 stock/bonds. When I look at the fact sheet, it appears to be in a number of asset classes and funds. There's no specific ticker I can see. The expense rate is 0.42...
by Dashboard
Thu Aug 04, 2016 5:58 pm
Forum: Personal Investments
Topic: Misunderstood how to use Lazy 3-Fund Portfolio, did it wrong, need to make it right. Help appreciated.
Replies: 51
Views: 7395

Re: Misunderstood how to use Lazy 3-Fund Portfolio, did it wrong, need to make it right. Help appreciated.

Don't fret, it is simpler than you think. Think of a supermarket with a produce department, meat department, boxed dry and canned goods, etc. When you ask the question of what to buy, it might at first seem overwhelming, but it's all just food. Just eat a balanced diet of healthy foods and avoid th...
by Dashboard
Thu Aug 04, 2016 12:51 pm
Forum: Personal Investments
Topic: Misunderstood how to use Lazy 3-Fund Portfolio, did it wrong, need to make it right. Help appreciated.
Replies: 51
Views: 7395

Re: Misunderstood how to use Lazy 3-Fund Portfolio, did it wrong, need to make it right. Help appreciated.

Dear Dashboard, 1) From what I can see on my company website, the AA for the 401k is 90% stock, 10% bonds. The breakdown of the underlying asset classes and fund names breaks down into 24 funds from all sorts of places. 3) The money that is there is ok, I just need to fix the IRA issue, and then pr...
by Dashboard
Thu Aug 04, 2016 10:47 am
Forum: Personal Investments
Topic: Misunderstood how to use Lazy 3-Fund Portfolio, did it wrong, need to make it right. Help appreciated.
Replies: 51
Views: 7395

Re: Misunderstood how to use Lazy 3-Fund Portfolio, did it wrong, need to make it right. Help appreciated.

It appears this is your current situation. Emergency funds and 529 - done. Current portfolio Taxable $16k or $18k in cash somewhere, ready to invest $3k in Total Stock $3k in Total International Stock $3k in Total Bond (tax-inefficient, not an emergency, this is very easy to fix) His 401k $50 inves...
by Dashboard
Thu Aug 04, 2016 10:07 am
Forum: Personal Investments
Topic: Misunderstood how to use Lazy 3-Fund Portfolio, did it wrong, need to make it right. Help appreciated.
Replies: 51
Views: 7395

Re: Misunderstood how to use Lazy 3-Fund Portfolio, did it wrong, need to make it right. Help appreciated.

1) It's through my work. The funds are super diverse. I am not quite sure how to answer this one. 2) I think I can just withdraw it or move it back to the taxable account. I am just going to call vanguard and ask for the dollar to be ACH'd back to my bank, or just moved to the taxable account and z...
by Dashboard
Wed Aug 03, 2016 10:29 pm
Forum: Personal Investments
Topic: Misunderstood how to use Lazy 3-Fund Portfolio, did it wrong, need to make it right. Help appreciated.
Replies: 51
Views: 7395

Re: Misunderstood how to use Lazy 3-Fund Portfolio, did it wrong, need to make it right. Help appreciated.

Tax Filing Status: Married filing jointly. Wife does not work presently (disabled child, I wrote a thread on it) Tax Rate: 28% or 33%, it's very close since I do not know how my RSUs and rental income (I inherited a duplex). Let's assume 28%. State: CA Age: 35 Desired Asset Allocation: Boglehead ca...
by Dashboard
Wed Aug 03, 2016 3:17 pm
Forum: Personal Investments
Topic: Misunderstood how to use Lazy 3-Fund Portfolio, did it wrong, need to make it right. Help appreciated.
Replies: 51
Views: 7395

Re: Misunderstood how to use Lazy 3-Fund Portfolio, did it wrong, need to make it right. Help appreciated.

You will still need enough in the account to invest the minimum in any particular position. So you should take that into account with your investment choices. Yes, this will require a slight bit of creativity to manage the minimums. Here's what I suggest. After contributing your remaining 18k, you ...
by Dashboard
Wed Aug 03, 2016 1:56 pm
Forum: Personal Investments
Topic: Misunderstood how to use Lazy 3-Fund Portfolio, did it wrong, need to make it right. Help appreciated.
Replies: 51
Views: 7395

Re: Misunderstood how to use Lazy 3-Fund Portfolio, did it wrong, need to make it right. Help appreciated.

No, you don't have to have your IRA invested in any index fund to do a Rollover, the Vanguard Federal Money Market Fund is just fine. Leave it in that until you're ready to do the Rollover. Okay, so when I do a rollover, where am I rolling it over to inside the Roth? Just to various allocations I h...
by Dashboard
Wed Aug 03, 2016 1:19 pm
Forum: Personal Investments
Topic: Misunderstood how to use Lazy 3-Fund Portfolio, did it wrong, need to make it right. Help appreciated.
Replies: 51
Views: 7395

Re: Misunderstood how to use Lazy 3-Fund Portfolio, did it wrong, need to make it right. Help appreciated.

Just checked your other post. If you're over the income limit on the Roth IRA, then you can't contribute directly to it. If you put a dollar in there. You need to get it out. Call Vanguard and have them return the Excess Contributions and place it into your taxable account. Since you're income is t...
by Dashboard
Wed Aug 03, 2016 1:09 pm
Forum: Personal Investments
Topic: Misunderstood how to use Lazy 3-Fund Portfolio, did it wrong, need to make it right. Help appreciated.
Replies: 51
Views: 7395

Re: Misunderstood how to use Lazy 3-Fund Portfolio, did it wrong, need to make it right. Help appreciated.

njboater74: and presently I exceed the Roth limits by a fair amount. What does this mean? Does that mean your income is to high to be able to contribute to a Roth? Sorry, yes, my joint income from all sources is greater than $193,000. Also I work and live in silicon valley, FWIW. Here is my rundown ...
by Dashboard
Wed Aug 03, 2016 12:28 pm
Forum: Personal Investments
Topic: Misunderstood how to use Lazy 3-Fund Portfolio, did it wrong, need to make it right. Help appreciated.
Replies: 51
Views: 7395

Misunderstood how to use Lazy 3-Fund Portfolio, did it wrong, need to make it right. Help appreciated.

After reading the Bogleheads Guide to Investing book and lots of threads here, I started my Vanguard account about a month ago, and then made my initial deposits after a lot of handwringing. I thought I was good. I have no other investments than my work 401k, and have never had an IRA, and presently...
by Dashboard
Wed Aug 03, 2016 11:11 am
Forum: Personal Investments
Topic: RSU's vesting, looking for advice. New to Boglehead mindset!
Replies: 12
Views: 2406

Re: RSU's vesting, looking for advice. New to Boglehead mindset!

You can have multiple accounts at the same brokerage. So the wisest course would be to open a Roth IRA at Vanguard and (assuming you haven't already contributed to an IRA there or elsewhere), put $5500 of your investment funds in it, with the rest going into a taxable account. Then you would buy al...
by Dashboard
Wed Aug 03, 2016 9:46 am
Forum: Personal Investments
Topic: RSU's vesting, looking for advice. New to Boglehead mindset!
Replies: 12
Views: 2406

Re: RSU's vesting, looking for advice. New to Boglehead mindset!

Total bond is highly tax inefficient and shouldn't be in a taxable account. I sell vested RSUs immediately upon vesting and use it for whatever it is I need. Your initial choice of an emergency fund doesn't sound like a bad choice to me. Tax is owed upon vesting anyway, I am not sure what your conc...
by Dashboard
Mon Aug 01, 2016 11:38 pm
Forum: Personal Investments
Topic: RSU's vesting, looking for advice. New to Boglehead mindset!
Replies: 12
Views: 2406

Re: RSU's vesting, looking for advice. New to Boglehead mindset!

I sell vested RSUs immediately upon vesting and use it for whatever it is I need. Your initial choice of an emergency fund doesn't sound like a bad choice to me. Tax is owed upon vesting anyway, I am not sure what your concern is. Your idea of adding it to your portfolio is fine. However you should...
by Dashboard
Mon Aug 01, 2016 8:25 pm
Forum: Personal Investments
Topic: RSU's vesting, looking for advice. New to Boglehead mindset!
Replies: 12
Views: 2406

RSU's vesting, looking for advice. New to Boglehead mindset!

I am a recent BH convert. Read the book, really enjoyed it. I since opened a lazy 3 fund brokerage account and put the minimum $3000 each in US, int, bonds. I have been at a 25+ years old company for about 3 years (not a startup). They do RSU's when you're hired and at the end of each fiscal year. R...
by Dashboard
Fri Jul 29, 2016 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: Buying life insurance to support disabled child (SNT), sibling, and wife. Multiple policies needed, term and whole?
Replies: 13
Views: 2288

Re: Buying life insurance to support disabled child (SNT), sibling, and wife. Multiple policies needed, term and whole?

Thank you to everyone in the thread. I have taken notes from all the reponses to make a list for when I talk to the agent. It is super helpful and has really opened my eyes more. As a little belated flavor, I should say that the disabled child was born before my wife completed college or had a caree...
by Dashboard
Tue Jul 19, 2016 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Buying life insurance to support disabled child (SNT), sibling, and wife. Multiple policies needed, term and whole?
Replies: 13
Views: 2288

Buying life insurance to support disabled child (SNT), sibling, and wife. Multiple policies needed, term and whole?

I am 36, wife 33, with a 11 year old who is low functioning and intellectually disabled, and a 7 year old. Wife has not worked since he was born but is starting to now. The disabled child seems to have normal physical health and nothing to indicate he will not live a normal lifespan. Also, I have re...