Search found 1196 matches

by CyclingDuo
Sat Feb 24, 2018 10:31 am
Forum: Investing - Help with Personal Investments
Topic: Need help selecting 403b funds
Replies: 8
Views: 194

Re: Need help selecting 403b funds

Hi there, I’m looking for any opinions on selecting 403b funds through my workplace and/or any advice on how to handle my finances. I’m 26 years old with a take-home pay of ~$4800 per month (started new job out of college almost 2 years ago now). Mortgage: ~$160K (30-year mortgage - $800/mo) Car: $...
by CyclingDuo
Fri Feb 23, 2018 11:12 am
Forum: Investing - Help with Personal Investments
Topic: Financial proposal from Adviser
Replies: 27
Views: 2243

Re: Financial proposal from Adviser

I received a hypothetical proposal from a financial advisor with EJ, I moved all my accounts from them but still have a 529 plan with them. It's a proposal to grow my funds from around 200K to almost 800K over a span of 20 years. It would be half in American funds (index funds, bond index funds) an...
by CyclingDuo
Fri Feb 23, 2018 12:19 am
Forum: Investing - Help with Personal Investments
Topic: 403 switching with TIAA from Vanguard
Replies: 5
Views: 394

Re: 403 switching with TIAA from Vanguard

In the past, my 403 offered primary services and funds via TIAA or vanguard. 2 years ago, they moved everyone to TIAA, but allowed investing in Vanguard funds via TIAA. We just received a letter that the 403 is now going to limit fund choices, but it didnt state if it was going to get rid of vangua...
by CyclingDuo
Thu Feb 22, 2018 7:54 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 201
Views: 13862

Re: Two Comma Club

Wife and I just recently hit the two comma club. We have been there for a couple years including our house, but we just hit it for just our investments. Been a long slog and lots of savings but we finally made it. We are in our early forties. Can't tell anyone else, so I had to share here. :beer Co...
by CyclingDuo
Thu Feb 22, 2018 9:30 am
Forum: Investing - Help with Personal Investments
Topic: Help invest an extra $5,000 per month
Replies: 19
Views: 2129

Re: Help invest an extra $5,000 per month

Hello! My husband and I are 25 years old and have an extra $5,000 per month that we are unsure what to do with. We max out our 401ks at work and have two Roth IRAs that we are no longer contributing to (we are in a 24% tax bracket as of 2018 irs code) Current retirement balance is about $75,000 wit...
by CyclingDuo
Thu Feb 22, 2018 5:48 am
Forum: Personal Consumer Issues
Topic: What big item (>20k) are you saving up for?
Replies: 133
Views: 9579

Re: What big item (>20k) are you saving up for?

miamivice wrote:
Mon Feb 12, 2018 6:50 pm
A lot of Bogleheads have considerable taxable accounts. If you are saving up to buy a large purchase (in excess of say $20,000), what might that item be?
Retirement (and all that comes with it).
by CyclingDuo
Wed Feb 21, 2018 11:34 pm
Forum: Investing - Help with Personal Investments
Topic: Blooom Robo Advisor for 401k asset allocation
Replies: 4
Views: 439

Re: Blooom Robo Advisor for 401k asset allocation

ThePrince wrote:
Wed Feb 21, 2018 8:50 pm
I have used Blooom for the past two years and have been extremely pleased with their service and the performance of my portfolio.
What fee do they charge for the service?
by CyclingDuo
Wed Feb 21, 2018 9:11 pm
Forum: Investing - Help with Personal Investments
Topic: 403b plan forcing me from Vanguard to Fidelity!!
Replies: 9
Views: 626

Re: 403b plan forcing me from Vanguard to Fidelity!!

After 6 lovely years at Vanguard I just got an email that we're being forced over to Fidelity. My previous investments were: A total US bond index fund VBMFX (0.15%) A total US stock index fund VTSMX (0.15%) A total international stock index fund VGTSX (0.18%) My new options are as follows: https:/...
by CyclingDuo
Wed Feb 21, 2018 9:35 am
Forum: Investing - Theory, News & General
Topic: What if you only live off dividends?
Replies: 172
Views: 12743

Re: What if you only live off dividends?

I am pretty sure that in 1930 buying a diverse list of stocks,dividend paying or not, was a lot harder than today. I'm sure there wasn't anything like "IDX 500 ADM" mutual fund available. Ancestor of Wellington Fund :P :moneybag :P Front end load? :confused Ancestor of Pioneer Fund-would those have...
by CyclingDuo
Tue Feb 20, 2018 11:21 pm
Forum: Investing - Help with Personal Investments
Topic: Update: Yikes, I waited too long, am I [too late]? 50k to invest
Replies: 53
Views: 5349

Re: Yikes, I waited too long, am I [too late]? 50k to invest

Will this fund have the no selling of bonds and taxes as listed in the example above? This sounds great too. What are the downsides? Well, the target fund does the rebalancing for you as it adheres to asset allocation that Vanguard feels is appropriate for your age. It's a hands off fund requiring ...
by CyclingDuo
Tue Feb 20, 2018 10:52 pm
Forum: Investing - Help with Personal Investments
Topic: Update: Yikes, I waited too long, am I [too late]? 50k to invest
Replies: 53
Views: 5349

Re: Yikes, I waited too long, am I [too late]? 50k to invest

:( *big sigh* OK, I am 45 and don't have an opportunity for a 401k and I haven't really contributed into social security. Yikes. Where did the time go??? I have 50k I need/want to invest in the instance I can't bank on my parents (who are sinking EVERYTHING into REITS) so I'm hoping to bend your bi...
by CyclingDuo
Tue Feb 20, 2018 5:05 pm
Forum: Investing - Help with Personal Investments
Topic: What do Bogleheads think of Passive income through Dividend Stocks
Replies: 58
Views: 5708

Re: What do Bogleheads think of Passive income through Dividend Stocks

Thank you so much for all of your responses. Any additional insight(s) would be greatly appreciated. What do you guys think about this guy: "ppcian" who invests for cash flow and dividend checks and not capital appreciation? He seems to have a robust business and investing background and lots of ex...
by CyclingDuo
Tue Feb 20, 2018 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: What do Bogleheads think of Passive income through Dividend Stocks
Replies: 58
Views: 5708

Re: What do Bogleheads think of Passive income through Dividend Stocks

Okay, so basically you are saying don't invest in dividend stocks at all and that investing in dividend stocks for $500-$1000/month is a bad idea? Just turn to other sources of passive income like REITs, real estate, royalties, etc.? What would the best options to generating $500-$1000/month in pas...
by CyclingDuo
Tue Feb 20, 2018 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: Adviser said I made a big mistake switching 403b to Aspire??
Replies: 19
Views: 1484

Re: Adviser said I made a big mistake switching 403b to Aspire??

midareff wrote:
Tue Feb 20, 2018 11:33 am
unclescrooge wrote:
Mon Feb 19, 2018 6:49 pm
Unlikely.
and highly so.... Why not switch to Vanguard and avoid the .15% add-on and the $40. Three funds is so simple I can't believe you can't do it yourself.
The OP will not be able to do that until they retire in 4 years.
by CyclingDuo
Tue Feb 20, 2018 10:28 am
Forum: Investing - Help with Personal Investments
Topic: What do Bogleheads think of Passive income through Dividend Stocks
Replies: 58
Views: 5708

Re: What do Bogleheads think of Passive income through Dividend Stocks

Derivative, Create a diversified stock portfolio,about 15-20 stocks from different categories(top 2 of each category). There is a probability of getting a good return as you get dividends,splits,bonuses etc - this is not a monthly paying scheme though. Yes, that is a way to construct a dividend por...
by CyclingDuo
Tue Feb 20, 2018 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Married Filing Separately - Roth IRA oops
Replies: 13
Views: 696

Re: Married Filing Separately - Roth IRA oops

I just recently filed Married Filing Separately but didn't realize that this meant I was excluded from Roth IRA contributions for 2017. We filed separately because she has a student loan that's setup as Pay As You Earn. Loan amount: $57,000 Interest rate: 7% So, now we're talking about how to deal ...
by CyclingDuo
Mon Feb 19, 2018 9:36 pm
Forum: Investing - Help with Personal Investments
Topic: Creating My Index Portfolio
Replies: 21
Views: 1480

Re: Creating My Index Portfolio

Hey everyone - So I've finished Bogle's Common Sense Guide and I'm following the guidelines here to start getting advice to formulate an investing strategy - on my own - for the first time in my life. I have a reasonably large six-figure sum of money that has been sitting in CASH since 2008 just be...
by CyclingDuo
Mon Feb 19, 2018 8:27 pm
Forum: Investing - Help with Personal Investments
Topic: What do Bogleheads think of Passive income through Dividend Stocks
Replies: 58
Views: 5708

Re: What do Bogleheads think of Passive income through Dividend Stocks

What do Bogleheads think of Passive income through Dividend Stocks? I have looked at some YouTube videos on people investing in dividend stocks and they generate ~$500- $1000+ in dividend stocks. I would like to know if there is a good way to invest Boglehead style in dividend stocks and generate p...
by CyclingDuo
Mon Feb 19, 2018 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: Adviser said I made a big mistake switching 403b to Aspire??
Replies: 19
Views: 1484

Re: Adviser said I made a big mistake switching 403b to Aspire??

Hey everyone. So last night I had my taxes done w/ an advisor who set my 403b up w/putnam over 20years ago. (Last year I had switched the 403b funds from Putnam over to Aspire). I did this on my own, and never thought to mention it to him, but when we met he said it was a big mistake and that I wou...
by CyclingDuo
Mon Feb 19, 2018 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: Late 20's female looking for some advice towards financial independence
Replies: 31
Views: 3764

Re: Late 20's female looking for some advice towards financial independence

Hi folks, This is kind of long, but I need your help with this decision because my relatives tell me I should just marry and have kids and trust my "children and prayer" to take care of me in old age (as opposed to retirement savings). I am 28 years old, living in the Pacific Northwest. For the pas...
by CyclingDuo
Sun Feb 18, 2018 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Am I saving too much for retirement?
Replies: 105
Views: 12438

Re: Am I saving too much for retirement?

Wow I didn't expect nearly this much response! Sorry for my delayed response, I've been busy with work. It seems that maybe I didn't give enough detail on incomes. However, it seems the consensus is that we can't save too much. I asked this question simply because of concerns of skipping things in ...
by CyclingDuo
Sun Feb 18, 2018 10:41 am
Forum: Investing - Theory, News & General
Topic: Target Retirement Fund Question
Replies: 20
Views: 1517

Re: Target Retirement Fund Question

Hello All, Can an investor rest assured that Vanguard in 2060 will be the same Vanguard we know today? The reason I ask is because I'm planning on moving all my money to a target retirement fund and just leaving it until about 2060. My concern is that Vanguard could change the way it operates or ma...
by CyclingDuo
Sun Feb 18, 2018 9:27 am
Forum: Investing - Help with Personal Investments
Topic: Recent Music School Grad Needing Advice
Replies: 10
Views: 997

Re: Recent Music School Grad Needing Advice

Hi guys, I just wanted to redo this post as my portfolio and work situation has changed. I'm a freelance musician and a year removed from graduating with my doctorate in music education. My current income(40-45k) is solid for my low day to day overhead but I will hopefully be making close to six fi...
by CyclingDuo
Sat Feb 17, 2018 5:34 pm
Forum: Investing - Help with Personal Investments
Topic: Best choice of 403b companies and plans- need advice
Replies: 15
Views: 931

Re: Best choice of 403b companies and plans- need advice

We are not "there" yet, we have DD#3 in college for about one more year after this, and DD#4 is a Senior in High School this year, so we will be shelling out tuition for a while. I'm hoping that we can throw some more into the retirement funds when we are finished helping with college expenses. Tha...
by CyclingDuo
Sat Feb 17, 2018 1:22 pm
Forum: Investing - Theory, News & General
Topic: 403(b) plan provisions
Replies: 10
Views: 605

Re: 403(b) plan provisions

I don't believe the plan offers a 15 year catch up. I added an extra 0 in previous posts - the actual asset based charge is .235%, which isn't great but it sounds like it could be a lot worse. Could be better, but that's not terrible. A lot of 403b plans charge .17% to .20% on top of the underlying...
by CyclingDuo
Sat Feb 17, 2018 10:49 am
Forum: Investing - Help with Personal Investments
Topic: Investment strategy... have an extra 1000 a month to spend
Replies: 11
Views: 878

Re: Investment strategy... have an extra 1000 a month to spend

Without boring everyone we have an extra 1k-2k a month that I would like to start investing with. I would like this to be somewhat liquid as I am a commissioned based employee. I have been thinking about the dollar cost averaging thing in either index funds or buying a few solid individual stocks e...
by CyclingDuo
Sat Feb 17, 2018 10:19 am
Forum: Investing - Help with Personal Investments
Topic: Best choice of 403b companies and plans- need advice
Replies: 15
Views: 931

Re: Best choice of 403b companies and plans- need advice

IPERS members can also use the funds to purchase additional years of service for their lifetime pension payments (if they qualify) once you declare retirement and fill out the paperwork for the pension. We can also roll in and out from other 401k/403/457/IRA plans: Eligible outside retirement plan ...
by CyclingDuo
Sat Feb 17, 2018 8:04 am
Forum: Investing - Theory, News & General
Topic: 403(b) plan provisions
Replies: 10
Views: 605

Re: 403(b) plan provisions

Hi Bogleheads, I may have the ability to significantly influence the design of my employer's 403(b) plan. What types of employee-friendly changes can I shoot for that won't cost the company too much? Right now there is no Roth option, so that's an obvious one. The plan already has a decent selectio...
by CyclingDuo
Fri Feb 16, 2018 10:43 am
Forum: Investing - Help with Personal Investments
Topic: Best choice of 403b companies and plans- need advice
Replies: 15
Views: 931

Re: Best choice of 403b companies and plans- need advice

Yes, I signed up with Horace Mann, and chose the Vanguard Target Retirement 2030. The first deposit was made today. I can always change later. I am sill disappointed that TIAA is no longer an option. I was with them for a long time and still have a significant amount of funds with them. Ah, no worr...
by CyclingDuo
Fri Feb 16, 2018 10:11 am
Forum: Investing - Help with Personal Investments
Topic: Best choice of 403b companies and plans- need advice
Replies: 15
Views: 931

Re: Best choice of 403b companies and plans- need advice

One thing I would investigate further for each of the companies named is whether or not your 403b is wrapped inside an annuity product. 403b plan providers are notorious for this and seeing the names of insurance companies makes me suspicious. I have direct experience that VALIC engages in this pra...
by CyclingDuo
Thu Feb 15, 2018 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: 401k or 457B and Roth or Regular
Replies: 7
Views: 455

Re: 401k or 457B and Roth or Regular

Neither plan has any type of employee match. I can put $24,500 in the 401K plan and another $24,500 in the 457b plan but I only take home $26,000- so sounds like $13,000 in each one. No point in contributing to more than one if you max out at $24.5K. Use the remainder for Roth IRA. If you really wa...
by CyclingDuo
Thu Feb 15, 2018 7:02 pm
Forum: Investing - Help with Personal Investments
Topic: Best choice of 403b companies and plans- need advice
Replies: 15
Views: 931

Re: Best choice of 403b companies and plans- need advice

Cyclingduo, thank you for the detailed response! I already signed up fo another plan, but now you have me questioning my decision. oy vey😳 Sorry we were late to this discussion party. We spent a lot of time pouring over the 4 plans available here in Iowa, so have followed them closely for years. Ag...
by CyclingDuo
Thu Feb 15, 2018 8:40 am
Forum: Investing - Help with Personal Investments
Topic: Best choice of 403b companies and plans- need advice
Replies: 15
Views: 931

Re: Best choice of 403b companies and plans- need advice

Good evening! I am looking for some advice as to which company and which plans I should choose for my 403b retirement account. I am fully vested in IPERS, and I am looking to supplement my pension with another retirement fund. It is my understanding that I can designate this money as pre or post ta...
by CyclingDuo
Wed Feb 14, 2018 9:10 pm
Forum: Investing - Help with Personal Investments
Topic: 401k or 457B and Roth or Regular
Replies: 7
Views: 455

Re: 401k or 457B and Roth or Regular

I just started working for a school district and I can take advantage of a 401k as well as a 457b Plan. My wife and I can easily live off of my wife's check so I want to put 100% of my take home pay into these plans to reduce my tax burden. My wife will retire in 2 years and we max out her 401k pla...
by CyclingDuo
Wed Feb 14, 2018 9:19 am
Forum: Investing - Help with Personal Investments
Topic: Living abroad. Retirement savings options?
Replies: 45
Views: 5087

Re: Living abroad. Retirement savings options?

Huh, that is something new I have not heard of before. So CyclingDuo, if I understand what you are saying, Fidelity Personal Retirement Annuity or the Vanguard Variable Annuity have retirement plans that tax my contributions going into it, lets the money grow, and once I hit 59 1/2 I can start taki...
by CyclingDuo
Tue Feb 13, 2018 11:43 pm
Forum: Personal Consumer Issues
Topic: Question for music experts about musical keys
Replies: 101
Views: 5573

Re: Question for music experts about musical keys

I've been re-organizing my music collection by genre, subgenre, decade, etc., and one of the things I was looking at was the musical keys for each song. Usually it didn't shed any additional light on the music, but for one genre, the results were pretty striking: A-flat B-flat C C-minor C#minor D-f...
by CyclingDuo
Tue Feb 13, 2018 10:41 pm
Forum: Investing - Help with Personal Investments
Topic: Living abroad. Retirement savings options?
Replies: 45
Views: 5087

Re: Living abroad. Retirement savings options?

For those who come along and view this thread via a search... Living and working overseas with foreign income severely limits your options to contribute to retirement in the US. The exception being something such as the Fidelity Personal Retirement Annuity or the Vanguard Variable Annuity (both have...
by CyclingDuo
Tue Feb 13, 2018 9:55 am
Forum: Investing - Help with Personal Investments
Topic: Student loans, Home Mortgage and/or investments
Replies: 10
Views: 531

Re: Student loans, Home Mortgage and/or investments

Quick background, I am 18 months out of dental school, recently married, just bought our first home and just dive into the deep end of working through our financial future. Combined income: 300k Student loan debt: 18k @7% 12k @5% (special subsidized loan that cannot be refinanced), 110k @4.25% (ref...
by CyclingDuo
Tue Feb 13, 2018 9:32 am
Forum: Investing - Theory, News & General
Topic: Correction vs. Prolonged Bear Market
Replies: 23
Views: 1552

Re: Correction vs. Prolonged Bear Market

I'm curious (and I know there's no hard and fast answer here): What do you all think about the general likelihood of a prolonged bear market in the US? To be clear, I'm not very risk averse (80/20 AA and could tolerate a more aggressive allocation if I felt the need, which I don't), and this has no...
by CyclingDuo
Tue Feb 13, 2018 9:15 am
Forum: Investing - Help with Personal Investments
Topic: Did you learn anything from the market correction?
Replies: 160
Views: 11169

Re: Did you learn anything from the market correction?

Our first market correction (10% decline from peak) after an 8 year bull run As another poster or two pointed out, if you have been invested the past 8 years, then you weren't paying attention over the past 8 years... https://farm5.staticflickr.com/4606/39532248804_cd7ac41138_o.jpg https://www.yard...
by CyclingDuo
Mon Feb 12, 2018 9:58 pm
Forum: Investing - Help with Personal Investments
Topic: 457 PLAN
Replies: 13
Views: 648

Re: 457 PLAN

Why participate in a 457 plan? If there is no matching what is the point? Why not just contribute to an existing IRA that one might have ? My wife contributes to one at work. Its run by Voya. But we are about to open Vangaurd simple IRAs . Why? It's another salary deducted contribution possibility....
by CyclingDuo
Mon Feb 12, 2018 9:55 am
Forum: Investing - Theory, News & General
Topic: proper # of holdings in an income portfolio
Replies: 10
Views: 863

Re: proper # of holdings in an income portfolio

I am looking at starting to convert my holding over to an income producing portfolio for retirement in the next 5 years. I am planning on holding a variety of dividend paying stock, common and preferred, REITS, energy mlp's and farm land. Would a 6.5% average payout be to aggressive and how many ho...
by CyclingDuo
Sat Feb 10, 2018 7:03 pm
Forum: Investing - Help with Personal Investments
Topic: 403(b) vs Taxable Account
Replies: 14
Views: 1413

Re: 403(b) vs Taxable Account

CyclingDuo, At this point the RMD from Inherited IRA is small enough it partially funds my Roth IRA, so I took that in January, and fully funded the Roth. (I'd like to gain full advantage of any time in the Roth possible. The future is hard to predict, and I felt like I was behind.) Since it seems ...
by CyclingDuo
Sat Feb 10, 2018 6:45 pm
Forum: Investing - Help with Personal Investments
Topic: 403b search for better options
Replies: 8
Views: 469

Re: 403b search for better options

403b vs 457 in general I'm not sure, I'm not an expert. In Ohio, 403b are sold by salespeople, usually have high fees, confusing terms, etc. Ohio457 has Vanguard funds at a lower ER than I can get on my own at Vanguard. It's a win-win. From 403bwise.com... How a 457(b) is Different From a 403(b) Th...
by CyclingDuo
Sat Feb 10, 2018 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: 403(b) vs Taxable Account
Replies: 14
Views: 1413

Re: 403(b) vs Taxable Account

The market roller coaster these past few days seems a fairly new thing for me, though I realize it's far more normal than the past year and a half. I'd never really paid much attention when all investments were in workplace retirement accounts with retirement on what felt like a distant horizon. I ...
by CyclingDuo
Sat Feb 10, 2018 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Live / work in California - Technology Career
Replies: 99
Views: 5905

Re: Live / work in California - Technology Career

Long time thought, this may be the time, to see if we can implement to live / work in California. Will be moving from Michigan, and in the Information Technology Career - Mid Level. Moving away from cold winter weather to a moderate weather for the next 10 -15 years of the career, is a prime reason...
by CyclingDuo
Sat Feb 10, 2018 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Am I saving too much for retirement?
Replies: 105
Views: 12438

Re: Am I saving too much for retirment?

Graphics like this are simply financial industry fluff. It is much better to use a % of income saved as a metric when you are many years away from retirement. Then 5 - 10 years before retirement start looking at key elements of your budget like when you will retire your mortgage, how you will cover...
by CyclingDuo
Sat Feb 10, 2018 8:34 am
Forum: Investing - Theory, News & General
Topic: Should you sell your investments when they start dropping? When should you invest during this market correction?
Replies: 52
Views: 4128

Re: Should you sell your investments when they start dropping? When should you invest during this market correction?

Thank you. The two charts are the tangible evidence that I was seeking :) Where do you analyze these graphs? I want to look at the entire market history of all indices, stocks, etc. so I can see how unpredictable the market is. What site is best for this? https://www.yardeni.com/pub/sp500corrbear.pdf
by CyclingDuo
Thu Feb 08, 2018 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Am I saving too much for retirement?
Replies: 105
Views: 12438

Re: Am I saving too much for retirment?

For young people, like the 28 year old OP, spending multiples are unhelpful because it's a multiple of how much one spends in retirement. Young people have no clue how much they'll spend in retirement. A multiple of income is far easier because they know how much they make. I'm not objecting to the...