Search found 12 matches

by rts58
Fri Mar 09, 2018 10:21 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA w/ Schwab
Replies: 3
Views: 561

Re: Roth IRA w/ Schwab

Another alternative you may want to consider is the Schwab intelligent portfolio:
https://intelligent.schwab.com/public/i ... /home.html?
https://www.barrons.com/articles/as-rob ... 1517509393
by rts58
Thu Mar 08, 2018 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA all in cash: Strategies, thoughts, concerns, etc.
Replies: 6
Views: 605

Re: Roth IRA all in cash: Strategies, thoughts, concerns, etc.

Take a look at the wiki article
https://www.bogleheads.org/wiki/Tax-eff ... _placement

Put your highest growth assets in the Roth and cash in your trading account.
by rts58
Thu Mar 08, 2018 5:10 pm
Forum: Investing - Help with Personal Investments
Topic: Having 2nd thoughts about Roth conversion, please check my logic
Replies: 10
Views: 729

Re: Having 2nd thoughts about Roth conversion, please check my logic

Congrats on retirement!! I retired 2 years ago in a similar situation. I used the retirement planning model available on the wiki, to try to come up with the best solution. I ended up deciding to convert to match my future expected marginal tax rate (after 70). I also decided not to hold bonds in th...
by rts58
Wed Mar 07, 2018 10:46 am
Forum: Investing - Help with Personal Investments
Topic: Roth conversions now less meaningful?
Replies: 6
Views: 1466

Re: Roth conversions now less meaningful?

One advantage you had, is that you converted earlier so you were you paid tax on a smaller base. I would expect that your Roth balance has grown more than the incremental tax you had to pay.
by rts58
Tue Mar 06, 2018 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: Short term capital gains tax dilemma
Replies: 12
Views: 1380

Re: Short term capital gains tax dilemma

I think most here would tell you not to try to time the market. You know you will lose the differential in LT and ST tax rates on the sale, maybe 10% depending on your marginal tax rate. What do you think the probability is the price will drop more than 10%? Look at your overall portfolio asset allo...
by rts58
Tue Sep 12, 2017 11:36 pm
Forum: Investing - Help with Personal Investments
Topic: Sanity Check: Roth IRA Asset Allocation w/ Schwab
Replies: 10
Views: 1500

Re: Sanity Check: Roth IRA Asset Allocation w/ Schwab

My choices at Schwab are not too different from yours (allocation is, I'm retired). I went with ITOT instead of SCHB, and have not gone into international small cap. For international bonds I looked at:​ Vanguard Emerging Mkts Govt Bd ETF - VWOB PowerShares Emerging Markets Sov Dbt ETF - PCY iShares...
by rts58
Tue Aug 15, 2017 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Setting up a LLC for side gig: 401(k)/IRA & Tax Management Question
Replies: 10
Views: 1439

Re: Setting up a LLC for side gig: 401(k)/IRA & Tax Management Question

The real advantage of the LLC is separate your liability, so that if for some reason you are sued for your business/hobby, they would not have access to your personal wealth. "If you form an LLC, you will remain personally liable for any wrongdoing you commit during the course of your LLC business....
by rts58
Mon Aug 14, 2017 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: Setting up a LLC for side gig: 401(k)/IRA & Tax Management Question
Replies: 10
Views: 1439

Re: Setting up a LLC for side gig: 401(k)/IRA & Tax Management Question

I considered setting up an LLC a couple years ago. The real advantage of the LLC is separate your liability, so that if for some reason you are sued for your business/hobby, they would not have access to your personal wealth. I considered the risk extremely small to being sued, and there were on goi...
by rts58
Sat Aug 05, 2017 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: Eaton Vance TABS 5-15 year CA Muni Ladder
Replies: 8
Views: 782

Re: Eaton Vance TABS 5-15 year CA Muni Ladder

Hi, I had a similar discussion with my Schwab consultant last month (not in CA). I'm not really interested at this point. But, one of the advantages he had mentioned to me was that EV buys these bonds in a different market than we have access to and get a better price for the bonds. This somewhat of...
by rts58
Thu Jul 20, 2017 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: RPM - Marginal tax rate vs portfolio ending balance
Replies: 9
Views: 954

Re: RPM - Marginal tax rate vs portfolio ending balance

One suggestion is that you take the time to run your current year, before doing the Conversion through some kind of Tax Program (TurboTax is my choice) to make sure you have a good understanding of any unexpected implications (e.g. Alternative Minimum Tax, Medicare Premiums, State Taxes). I would a...
by rts58
Thu Jul 20, 2017 10:12 am
Forum: Personal Finance (Not Investing)
Topic: RPM - Marginal tax rate vs portfolio ending balance
Replies: 9
Views: 954

Re: RPM - Marginal tax rate vs portfolio ending balance

Thanks for the responses. Sorry, RPM = Retirement Portfolio Model. Although been using it enough revolutions per minute may be appropriate! It's not just marginal rate to be concerned about. I would consider levelling your taxable income or AGI so that it goes up a few percent each year before and a...
by rts58
Wed Jul 19, 2017 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: RPM - Marginal tax rate vs portfolio ending balance
Replies: 9
Views: 954

RPM - Marginal tax rate vs portfolio ending balance

Hi, I've been using RPM to help me decide on the amounts for Roth conversion. I have retired early, am now 59 1/2. I'll have between now and 65 before I receive my pension. It looks like I can maximize the ending balance of my portfolio, by converting about 100k - 120k per year until 65 and then 20k...