Search found 1366 matches

by CyclingDuo
Sat May 26, 2018 4:50 am
Forum: Investing - Help with Personal Investments
Topic: Investment Strategy at 55
Replies: 4
Views: 883

Re: Investment Strategy at 55

Just about a year ago I learned about the greatness of index fund investing when looking into my own retirement. However, things are more complicated when looking at the picture for my mother, as she is 55 and I am only 32. I'm the only person around to help out if her retirement can't last, so I'm...
by CyclingDuo
Thu May 24, 2018 9:01 pm
Forum: Investing - Help with Personal Investments
Topic: Help with old 401K/403B
Replies: 13
Views: 857

Re: Help with old 401K/403B

Hello again, Just a quick update- after talking to my adviser at TIAA, it seems I can move all of my old funds into one R3 account (cheaper ERs). So I was thinking about doing that. I also noticed that there are a good variety of Vanguard funds in that old R3, so once the rollover is done, I might ...
by CyclingDuo
Thu May 24, 2018 7:35 am
Forum: Investing - Help with Personal Investments
Topic: 403(b) Transfer???
Replies: 11
Views: 790

Re: 403(b) Transfer???

The TPA told us to get either "exhange paperwork" from the new vendor or "surrender paperwork" from the old vendor. Also, I asked about rolling into a traditional IRA...the TPA said can only do if 591/2 yo or seperation from employer not the schoold district removing a vendor. Plan Member sent us t...
by CyclingDuo
Thu May 24, 2018 7:20 am
Forum: Investing - Theory, News & General
Topic: Taxable Account Near Retirement
Replies: 16
Views: 1536

Re: Taxable Account Near Retirement

I am thinking about my future when it comes to my retirement. I usually try to stay ahead of the curve, so I would love to hear everyone's opinion. Question 1. How should I invest in my taxable account when I near retirement. Keeping it in stocks seems someone risky to me considering a possible cra...
by CyclingDuo
Wed May 23, 2018 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Three steps forward, two back with saving
Replies: 26
Views: 3118

Re: Three steps forward, two back with saving

image in this post of Kitches . Maybe you are now in the period where it is most difficult to save for retirement, and maybe you could save less. That's a very eye-opening image that all of us who have been through the parenting process can relate to on some level. :beer I know I was encouraged by ...
by CyclingDuo
Wed May 23, 2018 12:54 am
Forum: Investing - Help with Personal Investments
Topic: 403(b) Transfer???
Replies: 11
Views: 790

Re: 403(b) Transfer???

Hello Bogleheads! Thanks to this board I was able to help my wife set up her 403b with Plan Member Direct (which was the best option available). She is in the Three Fund Portfolio VTIAX, VBTLX, VTSAX However, here is our dilemma: She was with LPL Financial for her 403b until her school district dro...
by CyclingDuo
Wed May 23, 2018 12:40 am
Forum: Investing - Help with Personal Investments
Topic: Should we max out all tax advantaged accounts?
Replies: 9
Views: 1288

Re: Should we max out all tax advantaged accounts?

My wife is a teacher and has access to a low cost 403b plan. I am not sure if she also has access to 457 plan but plan on finding out today. If she does, my understanding is that she can contribute a max of 18,500 to each of those plans for a total of $37,000. Please correct me if I am wrong. She a...
by CyclingDuo
Tue May 22, 2018 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: Are high dividend stocks advantageous for the 15% tax rate?
Replies: 46
Views: 3658

Re: Are high dividend stocks advantageous for the 15% tax rate?

when someone retires and they have a total return asset like VTI, how you sell? what is the strategy to sell? I feel like one would have to market time. On the way up while accumulating, we have to believe most DCA'd into our index funds over the years. During the decumulation (de-accumulation) sta...
by CyclingDuo
Tue May 22, 2018 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Three steps forward, two back with saving
Replies: 26
Views: 3118

Re: Three steps forward, two back with saving

I was wondering if anyone had any tips or tricks they use for saving. I am asking because, as the thread title says, I feel like I keep taking three steps forward and two back (at least I am one ahead I guess). Haha My retirement saving is on track and never gets touched. I also have a 6 months wor...
by CyclingDuo
Tue May 22, 2018 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: How do you account for a defined benefit pension in your planning?
Replies: 4
Views: 490

Re: How do you account for a defined benefit pension in your planning?

I have a corporate role (Age 32) with a gross annual comp of $130K and my wife is a teacher (Age 32) and earns $80K. We live in a HCOL area of NJ. She does not participate in a 403B as we are instead contributing into my 401K and plan to do so until I'm maxed out, which should start this year. As a...
by CyclingDuo
Tue May 22, 2018 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Are high dividend stocks advantageous for the 15% tax rate?
Replies: 46
Views: 3658

Re: Are high dividend stocks advantageous for the 15% tax rate?

As others have pointed out - dividends are not magic. 71% of stock market returns come from dividends and help fuel returns. The rest comes from share price appreciation. Dividends are a part of your invested capital that is withdrawn every month/quarter/semi-annual/annual depending on when the com...
by CyclingDuo
Tue May 22, 2018 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Are high dividend stocks advantageous for the 15% tax rate?
Replies: 46
Views: 3658

Re: Are high dividend stocks advantageous for the 15% tax rate?

While I know the consensus here is that favoring higher-dividend stocks does not make sense for an equity portfolio, does it make sense for a taxable portfolio used for income in retirement because of the 15% tax rate on dividends? rgs92 - threads revolving around or including dividends never seem ...
by CyclingDuo
Mon May 21, 2018 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Are high dividend stocks advantageous for the 15% tax rate?
Replies: 46
Views: 3658

Re: Are high dividend stocks advantageous for the 15% tax rate?

Dividend stocks are sensitive to interest rates and tend to overperform when rates fall, and underperform when rates rise. Rates started rising on December 14, 2016. 84% of the companies in the S&P 500 pay dividends (large-cap companies). 70% of mid-cap companies pay dividends. 54% of small-cap com...
by CyclingDuo
Mon May 21, 2018 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Are high dividend stocks advantageous for the 15% tax rate?
Replies: 46
Views: 3658

Re: Are high dividend stocks advantageous for the 15% tax rate?

Dividend stocks are sensitive to interest rates and tend to overperform when rates fall, and underperform when rates rise. Rates started rising on December 14, 2016. 84% of the companies in the S&P 500 pay dividends (large-cap companies). 70% of mid-cap companies pay dividends. 54% of small-cap com...
by CyclingDuo
Mon May 21, 2018 7:01 am
Forum: Investing - Help with Personal Investments
Topic: $1,700,000 from family trust...
Replies: 59
Views: 7621

Re: $1,700,000 from family trust...

Why don’t you start your own blog? Call it the “the 10 fund super portfolio”. There are many roads to Dublin, some may get you there faster than others, some may not. The game is not to out perform, the game is to earn your fair share of the market returns without overpaying. That is what the Bogle...
by CyclingDuo
Mon May 21, 2018 5:24 am
Forum: Investing - Theory, News & General
Topic: will the SP500 double in 7 years?
Replies: 101
Views: 11330

Re: will the SP500 double in 7 years?

It would take a drop of nearly 20% from current levels for stocks to not have doubled since the time of the OP. That is, of course, possible, but historically not likely to occur within the next seven months. It goes to show you that a majority of Bogleheads (at least those who participated in the ...
by CyclingDuo
Sun May 20, 2018 10:09 pm
Forum: Investing - Help with Personal Investments
Topic: $1,700,000 from family trust...
Replies: 59
Views: 7621

Re: $1,700,000 from family trust...

Duo, Answer to some of your questions: 1. Trust funds will be received as "cash". No inherited IRAs/Stocks/Bonds etc. 2. No brokerage account set up as of yet (we will need to do that). 3. Max out 401k's, set up Roth's etc., agreed. 4. No pensions coming. 5. Change of lifestyle or spending of funds...
by CyclingDuo
Sun May 20, 2018 7:05 pm
Forum: Investing - Help with Personal Investments
Topic: Sub-par options from employer 403b
Replies: 7
Views: 186

Re: Sub-par options from employer 403b

I'm in my mid 20s, starting a new job in a couple months, and it looks like my options at my new 403b aren't optimal. Current investments: 401k: $20,000 in a Vanguard 2055 target date fund IRA: $11,000 in VTSAX 403b options at my new employers: A bunch of TIAA-CREF funds with ERs above 0.30% Vangua...
by CyclingDuo
Sun May 20, 2018 11:38 am
Forum: Investing - Help with Personal Investments
Topic: 457B, Student Loans and Saving
Replies: 9
Views: 587

Re: 457B, Student Loans and Saving

I am not entirely sure of the % of salary she has going to pension and there is definitely and employer contribution. Based upon my research, the benefit should be approximately $60K annually or a little more. The 457B is voluntary, no match and pre-tax so would reduce taxable income. Easy to find ...
by CyclingDuo
Sun May 20, 2018 9:38 am
Forum: Investing - Help with Personal Investments
Topic: 457B, Student Loans and Saving
Replies: 9
Views: 587

Re: 457B, Student Loans and Saving

32 yrs old and Spouse 35 yrs old Gross Income for Self and Spouse: $240K Current Debt: $65K Student Loans (Original Balance $200K+), $20K Car, $230K Mortgage Current Savings: $200K 401K, $6K Vanguard Taxable, $20K Savings (3 Month Emergency Fund) Other Important Notes: Wife has defined benefit plan...
by CyclingDuo
Sun May 20, 2018 9:02 am
Forum: Investing - Help with Personal Investments
Topic: $1,700,000 from family trust...
Replies: 59
Views: 7621

Re: $1,700,000 from family trust...

I am new to the Boglehead forum but after reading quite a lot of the Q&A I believe I am woefully in need of this forums expertise. I am to receive (in approx. 60 days) $1,700,000 from my parents trust. My wife and I are both 57 yrs old and plan to continue to work until age 62. I have a small amoun...
by CyclingDuo
Sat May 19, 2018 10:17 pm
Forum: Investing - Help with Personal Investments
Topic: Need Help Deciding Between Non-Matching 403(b) and a Roth IRA
Replies: 30
Views: 1582

Re: Need Help Deciding Between Non-Matching 403(b) and a Roth IRA

Thank you very much for that chart, I was trying to find it all on their websites, and that site you linked to is MUCH easier! If their prices are all so similar, is Fidelity at $36 less a year the better option? I heard they recently dropped their prices to match Vanguards, but can they jack them ...
by CyclingDuo
Sat May 19, 2018 10:07 pm
Forum: Investing - Help with Personal Investments
Topic: Need Help Deciding Between Non-Matching 403(b) and a Roth IRA
Replies: 30
Views: 1582

Re: Need Help Deciding Between Non-Matching 403(b) and a Roth IRA

I live in Connecticut, which has one of the most underfunded pension systems in the country. I fear that 30 years from now when I go to retire it will be gone, and I haven't paid into Social Security, so it would be a complete doomsday scenario for me. Now if all goes well and I retire at 60 I beli...
by CyclingDuo
Sat May 19, 2018 5:16 pm
Forum: Investing - Help with Personal Investments
Topic: How to Invest $600K for Retirees
Replies: 26
Views: 4056

Re: How to Invest $600K for Retirees

Ah, I see. Thanks for posting. I see GOV yields North of 12%. How safe is this dividend? Usually there is some uncertainty regarding future payouts that causes dividend yields to go do high. Yes, you are correct with not chasing high yielding stocks that don't have a stable dividend payout or the b...
by CyclingDuo
Sat May 19, 2018 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: Need Help Deciding Between Non-Matching 403(b) and a Roth IRA
Replies: 30
Views: 1582

Re: Need Help Deciding Between Non-Matching 403(b) and a Roth IRA

I am a teacher, 35, whose employer offers a non-matching 403(b). Next year I'll make around $98,000, which is the top of my district's pay scale. Unless I take on some extra clubs or something, my salary will only get a slight cost of living increase every year (I think i'ts around 2.5% each year f...
by CyclingDuo
Sat May 19, 2018 9:26 am
Forum: Investing - Theory, News & General
Topic: What's the ideal safe retirement net worth target?
Replies: 252
Views: 45899

Re: What's the ideal safe retirement net worth target?

Another conservative strategy could be to reduce one's necessary spending to be no greater than 'guaranteed' income sources like Social Security, pension, inflation-adjusted annuity payouts, etc., leaving one's portfolio to cover only discretionary spending. This is a wise way to think of it. :shar...
by CyclingDuo
Sat May 19, 2018 6:33 am
Forum: Investing - Help with Personal Investments
Topic: How to Invest $600K for Retirees
Replies: 26
Views: 4056

Re: How to Invest $600K for Retirees

I'm new to investing. My elderly parents (75 and 78 years old) are living with me. I'm helping them to manage their retirement saving fund worth of $600,000. Given the current market situations (a potential end of the bull market and rising bond yield), what are their best options? Their goal is to...
by CyclingDuo
Fri May 18, 2018 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: How to Invest $600K for Retirees
Replies: 26
Views: 4056

Re: How to Invest $600K for Retirees

I'm new to investing. My elderly parents (75 and 78 years old) are living with me. I'm helping them to manage their retirement saving fund worth of $600,000. Given the current market situations (a potential end of the bull market and rising bond yield), what are their best options? Their goal is to...
by CyclingDuo
Thu May 17, 2018 11:18 am
Forum: Investing - Help with Personal Investments
Topic: Three Fund Portfolio Assitance
Replies: 11
Views: 1310

Re: Three Fund Portfolio Assitance

Thank you all for your responses/advice. The only other Equities offered in my 403b are the following: American Funds EuroPacific Growth Fund R6 American Funds Growth Fund of America R6 American Funds New World R6 CREF Global Equiites R3 CREF Stock R3 Cohen & Shears Realty Shares Hmmmm. What happen...
by CyclingDuo
Thu May 17, 2018 3:55 am
Forum: Investing - Help with Personal Investments
Topic: Three Fund Portfolio Assitance
Replies: 11
Views: 1310

Re: Three Fund Portfolio Assitance

I like the theory of the Three Fund Portfolio but need some guidance within my 403B on how to make it happen. I would prefer to have everything in Vanguard except the guaranteed money which is at 3 percent. I am currently four years from retirement. My mortgage is paid off. No debt at present time....
by CyclingDuo
Wed May 16, 2018 9:00 am
Forum: Investing - Help with Personal Investments
Topic: How to Invest $600K for Retirees
Replies: 26
Views: 4056

Re: How to Invest $600K for Retirees

I'm new to investing. My elderly parents (75 and 78 years old) are living with me. I'm helping them to manage their retirement saving fund worth of $600,000. Given the current market situations (a potential end of the bull market and rising bond yield), what are their best options? Their goal is to...
by CyclingDuo
Wed May 16, 2018 8:30 am
Forum: Investing - Help with Personal Investments
Topic: Three fund portfolio performance
Replies: 31
Views: 3942

Re: Three fund portfolio performance

As i stated the investments were fully vested june of 2017. I was mistaken about two years. My apologies. That accounts for the confusion! You have been invested less that one year, and we are in the midst of a typical market correction from the recent run off of the 2015-2016 one year correction/b...
by CyclingDuo
Tue May 15, 2018 5:48 pm
Forum: Investing - Theory, News & General
Topic: Doubling Your Money
Replies: 32
Views: 6679

Re: Doubling Your Money

rrouse wrote:
Sun May 13, 2018 10:58 am
What is a reasonable expectation or rule of thumb for doubling (in real terms) your stock market holdings, assuming you reinvest dividends?
Stocks with a reasonable expectation (annual return of 7%): 10 years
Real Estate (usually 3-4% annual appreciation): 20 years
by CyclingDuo
Mon May 14, 2018 9:18 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Analysis Request
Replies: 3
Views: 465

Re: Portfolio Analysis Request

I have learned a lot from this forum in the last couple months reading it. I have been mostly invested in real estate over the past 6 years and have been become cash heavy recently selling some properties. Being in the late innings of this credit cycle makes me nervous to jump into stocks but know ...
by CyclingDuo
Sun May 13, 2018 10:38 am
Forum: Investing - Help with Personal Investments
Topic: Three fund portfolio performance
Replies: 31
Views: 3942

Re: Three fund portfolio performance

vested1 wrote:
Sun May 13, 2018 10:13 am
Or spending from the portfolio and not accounting for the withdrawals.
Yup, that would have altered his current balance. 8-)
by CyclingDuo
Sun May 13, 2018 9:20 am
Forum: Investing - Help with Personal Investments
Topic: Three fund portfolio performance
Replies: 31
Views: 3942

Re: Three fund portfolio performance

New to this site. I have participated in the three fund portfolio for two years and have yet to see any gains. Just a one time gain then a complete loss of the gain and part of original principal. Kind of disappointing. I could have gone to the casino for that kind of action. Sonic - you will have ...
by CyclingDuo
Sat May 12, 2018 11:45 am
Forum: Investing - Help with Personal Investments
Topic: Why diversify 401k
Replies: 14
Views: 987

Re: Why diversify 401k

Hi Bogleheads, First post here... Question is why should i diversify my 401k given my fund choices below when one fund - T. Rowe Price Large Cap (currently 100%) is clearly outperforming others even with higher fees... I'm 29, maxing out my 401k contributions, and do not need the funds in the near ...
by CyclingDuo
Sat May 12, 2018 8:40 am
Forum: Investing - Help with Personal Investments
Topic: Berkshire Hathaway B
Replies: 65
Views: 6327

Re: Berkshire Hathaway B

Catching up on old threads and just saw this. I currently own 100 shares of Berkshire. I bought 2 shares in March of 1999 and as we approach the 20th year I have no intention of selling. I too was in my 30's when I bought these and it was a whole lot more back then than the just under 2% of my port...
by CyclingDuo
Fri May 11, 2018 7:27 am
Forum: Personal Finance (Not Investing)
Topic: Help these teachers decide a price for a possible house purchase
Replies: 16
Views: 2070

Re: Help these teachers decide a price for a possible house purchase

CyclingDuo: Had a good conversation regarding this last night. We came to the conclusion that we may just want to make where we live more suitable to our desires. Heck, if we sold for exactly what we bought it for we would be handing a nice $17,000 check straight over to a realtor. That 17k can go ...
by CyclingDuo
Tue May 08, 2018 10:10 pm
Forum: Investing - Help with Personal Investments
Topic: Why Shouldn't I Buy McDonalds Or Coke?
Replies: 66
Views: 8249

Re: Why Shouldn't I Buy McDonalds Or Coke?

will give a different opinion about not buying stock in Mcdonalds or Coke. I would avoid them because they have a dividend of 2.5-3.5%. That dividend is about the same as a Vanguard TSM fund or High Dividend Yield fund. You'd be better off just investing in the index funds, the dividend is about th...
by CyclingDuo
Tue May 08, 2018 5:33 pm
Forum: Investing - Theory, News & General
Topic: What Percentage CASH are you?
Replies: 168
Views: 16902

Re: What Percentage CASH are you?

Others have made that same statement. There's an argument to be made that both 2011 and 2016 saw declines into a bear market, therefore this bull is not old at all. We tend to concur with that opinion. If so, the "new" bull market began in 2016 after a one year bear market (index held at only going...
by CyclingDuo
Tue May 08, 2018 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Help these teachers decide a price for a possible house purchase
Replies: 16
Views: 2070

Re: Help these teachers decide a price for a possible house purchase

Thanks for all the detailed replies! Cycling duo I have some serious research to do. For such a big decision it will be worth it. I just want us to find a healthy balance of living our life with our expenses and have a daily living space that would make both of us happy too. You mentioned that you ...
by CyclingDuo
Tue May 08, 2018 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Help these teachers decide a price for a possible house purchase
Replies: 16
Views: 2070

Re: Help these teachers decide a price for a possible house purchase

Thanks for the reply! So 432k total. I'm not sure if that would bring much of an upgrade. Reason to move might be some more space/privacy in general for our growing family. Current schools good, neighborhood are good. We are literally just exploring options. You really should examine your cash flow...
by CyclingDuo
Sun May 06, 2018 6:15 pm
Forum: Investing - Help with Personal Investments
Topic: How can I Invest 4 million dollars to earn 120k (inflation adjusted) a year for life?
Replies: 93
Views: 17432

Re: How can I Invest 4 million dollars to earn 120k (inflation adjusted) a year for life?

The fees on funds....open end, closed end and ETFs, are internal to the fund and net of the fund's yield. But having said that, one of my measures of an income ETF is the Income Expense Ratio or IER. This is the total of the fund's reported expenses divided by the income from its investments (divid...
by CyclingDuo
Sat May 05, 2018 1:50 pm
Forum: Investing - Theory, News & General
Topic: Don't leave your non-spouse heirs TIRAs with basis, unless you hate them!
Replies: 92
Views: 8279

Re: Don't leave your non-spouse heirs TIRAs with basis, unless you hate them!

If they ever have to do more than one Form 8606 (ie, inherited IRAs from more than one decedent; backdoor Roth IRAs; their own IRA with basis; etc) they will not be able to use e-file with any publicly available tax prep software. Best case scenario they will have to complete some of the 8606s by h...
by CyclingDuo
Sat May 05, 2018 1:03 pm
Forum: Investing - Help with Personal Investments
Topic: How can I Invest 4 million dollars to earn 120k (inflation adjusted) a year for life?
Replies: 93
Views: 17432

Re: How can I Invest 4 million dollars to earn 120k (inflation adjusted) a year for life?

In September 2017, I started a combined dividend portfolio following the My 7.5% Income Portfolio ( https://seekingalpha.com/article/4098771-7_5-percent-income-portfolio ) and then adding some additional CEFS stocks, (1) Market Fund & ETF's. So far, I have seen the portfolio value fluctuate within ...
by CyclingDuo
Sat May 05, 2018 6:36 am
Forum: Investing - Help with Personal Investments
Topic: How to prioritize saving?: 403(b) vs 457(b) vs HSA vs 529
Replies: 5
Views: 584

Re: How to prioritize saving?: 403(b) vs 457(b) vs HSA vs 529

My husband and I are British expats who have been living in the US for several years and are naturalized US citizens. We moved here for my husband's work (university professor). We have two elementary-age kids. I am self-employed part-time, with <$5,000/year income. We are really new to thinking ab...
by CyclingDuo
Fri May 04, 2018 11:19 pm
Forum: Investing - Help with Personal Investments
Topic: Help with old 401K/403B
Replies: 13
Views: 857

Re: Help with old 401K/403B

CyclingDuo, My current 401K does have some Vanguard funds, however TIAA charges an annual service fee of 0.34% (deducted quarterly) for each Vanguard investment, so I'm a little hesitant on doing so. I do currently invest in it (as they were the best funds available) and paid $40-$50 for the last q...
by CyclingDuo
Fri May 04, 2018 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: Help with old 401K/403B
Replies: 13
Views: 857

Re: Help with old 401K/403B

Hello, I have a 401K/403B from my old job that is just sitting in my account at TIAA. In addition, my current employer switched (about 4 yrs ago) to a 401K only account from a 401K/403B. So in all I have two 401K/403B accounts that I don't put any money into, nor have I made any changes to the inve...
by CyclingDuo
Thu May 03, 2018 8:18 pm
Forum: Investing - Theory, News & General
Topic: How does stock buyback benefit investors?
Replies: 78
Views: 5992

Re: How does stock buyback benefit investors?

Occasionally I hear companies return their extra cash to their share holders by stock buybacks. Recently there was a report that Apple will return $100 billion to its share holders by stock buybacks. A typical argument goes like this: A company reduces the number of outstanding shares in the market...