Search found 1172 matches

by CyclingDuo
Sat Feb 17, 2018 1:22 pm
Forum: Investing - Theory, News & General
Topic: 403(b) plan provisions
Replies: 7
Views: 405

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: 10
Views: 527

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: 14
Views: 775

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: 7
Views: 405

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: 14
Views: 775

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: 14
Views: 775

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: 416

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: 14
Views: 775

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: 14
Views: 775

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: 416

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: 4970

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: 67
Views: 3502

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: 4970

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: 504

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: 1408

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: 155
Views: 10028

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: 617

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: 834

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: 1400

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: 459

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: 1400

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: 98
Views: 5594

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: 102
Views: 10954

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: 4087

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: 102
Views: 10954

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...
by CyclingDuo
Thu Feb 08, 2018 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Am I saving too much for retirement?
Replies: 102
Views: 10954

Re: Am I saving too much for retirment?

I think where the chart breaks down is at higher income levels, and in particular, dual income households. Dual income households do not need more money in retirement than single income households, y et, according to the chart, they need to have way more saved up. I would say this is only half true...
by CyclingDuo
Thu Feb 08, 2018 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Am I saving too much for retirement?
Replies: 102
Views: 10954

Re: Am I saving too much for retirment?

While I am sure using multiples of salaries works for many folks I find it pretty far off. Using multiples of expenses is a valued best metric for us anyway. Not in disagreement with you on that. The multiples of expenses eventually provides the clearest view. The road map version, or path along th...
by CyclingDuo
Wed Feb 07, 2018 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Am I saving too much for retirement?
Replies: 102
Views: 10954

Re: Am I saving too much for retirment?

https://farm5.staticflickr.com/4734/39408665641_95e7a57516_o.jpg https://www.fidelity.com/viewpoints/retirement/how-much-money-do-i-need-to-retire Maybe you can answer this because I can't get a clear answer to this for a while now. When they say salary, does that mean my starting salary at the beg...
by CyclingDuo
Wed Feb 07, 2018 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Am I saving too much for retirement?
Replies: 102
Views: 10954

Re: Am I saving too much for retirment?

You are approaching the first road sign on that map at age 30 where you should have saved 1x your salary - we prefer to use household salary for a dual income couple (your salary + wife's salary). Does a dual income couple need to have more in retirement to live comfortable than a single income cou...
by CyclingDuo
Wed Feb 07, 2018 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Am I saving too much for retirement?
Replies: 102
Views: 10954

Re: Am I saving too much for retirment?

https://farm5.staticflickr.com/4734/39408665641_95e7a57516_o.jpg https://www.fidelity.com/viewpoints/retirement/how-much-money-do-i-need-to-retire Maybe you can answer this because I can't get a clear answer to this for a while now. When they say salary, does that mean my starting salary at the beg...
by CyclingDuo
Wed Feb 07, 2018 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Am I saving too much for retirement?
Replies: 102
Views: 10954

Re: Am I saving too much for retirment?

Hi all, l'm 28 and trying to balance saving for retirement and keeping enough to enjoy myself now. I realize that in order to know how much you should save, you need to know how much you will need in retirement. However, at my age I find it difficult to have any realistic idea of my spending in 30+...
by CyclingDuo
Tue Feb 06, 2018 9:50 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5574
Views: 1260530

Re: U.S. stocks in freefall

2008-2009 was not a correction. It was a fullblown bear market. Bingo! That's why it is not on the list of those that fit into the mold of "correction". The 2011, and 2015-16 are also suspect as the average stock corrected more than what the S&P shows which put all of those stocks in bear market te...
by CyclingDuo
Tue Feb 06, 2018 9:26 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5574
Views: 1260530

Re: U.S. stocks in freefall

2008-2009 was not a correction. It was a fullblown bear market. Bingo! That's why it is not on the list of those that fit into the mold of "correction". The 2011, and 2015-16 are also suspect as the average stock corrected more than what the S&P shows which put all of those stocks in bear market te...
by CyclingDuo
Tue Feb 06, 2018 8:18 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5574
Views: 1260530

Re: U.S. stocks in freefall

Here are the past 10 corrections in the S&P 500 index: Span of the correction ---------Decline in Percent May 21, 2015-Feb. 11, 2016------14.2 April 29, 2011-Oct. 3, 2011------19.4 April 23, 2010-July 2, 2010-------16 Nov. 27, 2002-March 11, 2003----14.7 July 16, 1999-Oct. 15, 1999------12.1 July 17...
by CyclingDuo
Fri Feb 02, 2018 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Trouble with Personal Capital
Replies: 3
Views: 532

Re: Trouble with Personal Capital

Anyone having trouble with their Personal Capital account not updating all transactions? I have been using this platform for several years with few problems until the past several months. Wells Fargo is the usual problem account not updating all info. Maybe this is a problem with two factor authent...
by CyclingDuo
Thu Feb 01, 2018 9:56 am
Forum: Investing - Help with Personal Investments
Topic: 457b or Taxable Acct? Unsure about options.
Replies: 16
Views: 745

Re: 457b or Taxable Acct? Unsure about options.

Thank you so much to everyone who responded. My cup runneth over. :sharebeer These concepts are not always easy for me wrap my head around (especially with the percentages/allocations), but you are all so knowledgeable, patient, and forthcoming, and it makes me feel as if I'm truly on the right pat...
by CyclingDuo
Thu Feb 01, 2018 8:49 am
Forum: Investing - Help with Personal Investments
Topic: I have an overwhelming gift I'm in need of help of please.
Replies: 89
Views: 7861

Re: I have an overwhelming gift I'm in need of help of please.

I am being gifted $270,000 Friday. This was just brought to my attention 2 days ago. Its overwhelming enough that I have literally lost sleep at night in trying to process what to do with the money in most responsible and investment/financial savvy approach that suits my life. It's normal to have y...
by CyclingDuo
Wed Jan 31, 2018 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: 457b or Taxable Acct? Unsure about options.
Replies: 16
Views: 745

Re: 457b or Taxable Acct? Unsure about options.

Hi all! I began investing this time last year (Jan 2017), and I received a lot of great input from you all, so I’m hoping to perhaps receive a bit more guidance. Since my last post I’ve taken a job in a new district that has increased my salary by about $25K. Unfortunately the new job does not offe...
by CyclingDuo
Wed Jan 31, 2018 10:32 am
Forum: Investing - Theory, News & General
Topic: US Stock market drop - effect on 401k contribution / purchases
Replies: 10
Views: 1579

Re: US Stock market drop - effect on 401k contribution / purchases

I understand in tax deferred accounts, there is no cost basis because there is no need due to deferred status. However if i am dumping $500 per paycheck into my 401k account, will I get more VG total stock if it drops more the next few days? How would I know if (unlike VG taxable where it shows the...
by CyclingDuo
Wed Jan 31, 2018 10:22 am
Forum: Investing - Theory, News & General
Topic: Kinda laughing, kinda mad - Vanguard Personal Investor
Replies: 45
Views: 7869

Re: Kinda laughing, kinda mad - Vanguard Personal Investor

Ok you all have made me feel better, but I still don’t think I should have to fire my own advisor! One thing I wonder is whether the next one would be any better/more helpful. Like I said, it’s not the advice I don’t like, but it’s just hard to have a conversation with him. Maybe my expectations ar...
by CyclingDuo
Wed Jan 31, 2018 7:35 am
Forum: Investing - Theory, News & General
Topic: 401k millionaires
Replies: 158
Views: 23602

Re: 401k millionaires

The latest sign of investor euphoria: Sharing your 401(k) balance has become a thing https://www.marketwatch.com/story/people-are-bragging-about-becoming-401k-millionaires----and-posting-their-balances-to-social-media-2018-01-29 Seems to have been a thing here on Bogleheads for over a decade... I t...
by CyclingDuo
Wed Jan 31, 2018 12:21 am
Forum: Investing - Help with Personal Investments
Topic: Analysis Paralysis -- 403b or Kill the Mortgage?
Replies: 27
Views: 1443

Re: Analysis Paralysis -- 403b or Kill the Mortgage?

Not to throw thread off course - aren't you supposed to publish research papers? So it can't all be that much vacation, though I wouldn't necessarily say raising kids is a vacation all of the time. :wink: Presenting papers, writing grants, traveling for research, preparing a new course(s) for the u...
by CyclingDuo
Tue Jan 30, 2018 6:08 pm
Forum: Investing - Help with Personal Investments
Topic: Analysis Paralysis -- 403b or Kill the Mortgage?
Replies: 27
Views: 1443

Re: Analysis Paralysis -- 403b or Kill the Mortgage?

College prof. It's been a crazy past few years but it's a heck of a great way to make a living if it all works out. Yup. I'm one myself. Huge benefit with the Summers, Holiday Break, Spring Break, Fall Break - which I hope you enjoy the next few decades. At this point in our lives (ages 56 and 60) ...
by CyclingDuo
Tue Jan 30, 2018 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: Analysis Paralysis -- 403b or Kill the Mortgage?
Replies: 27
Views: 1443

Re: Analysis Paralysis -- 403b or Kill the Mortgage?

Road sign #1 - save up 1x your annual salary by age 30, 1.5X by age 35, and 3x by age 40. You've $100K in retirement portfolio, plus $30K in taxable. That's $130K or the equivalent of 1x your salary at age 30. Not bad, but a little catch up required to hit that road sign at age 40 of 3x your income...
by CyclingDuo
Tue Jan 30, 2018 2:03 pm
Forum: Investing - Theory, News & General
Topic: 401k millionaires
Replies: 158
Views: 23602

Re: 401k millionaires

fire_rebel wrote:
Tue Jan 30, 2018 1:29 pm
The latest sign of investor euphoria: Sharing your 401(k) balance has become a thing

https://www.marketwatch.com/story/peopl ... 2018-01-29
Seems to have been a thing here on Bogleheads for over a decade...
by CyclingDuo
Tue Jan 30, 2018 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: Analysis Paralysis -- 403b or Kill the Mortgage?
Replies: 27
Views: 1443

Re: Analysis Paralysis -- 403b or Kill the Mortgage?

I have been going around in circles, and need some advice on what to do. Income (combined): $130-140K Mortgage: $116K, 3.5%, 15 year term (summer 2017 refi) $850/month, Age: late 30s A little background: household income until recently has been in the low 80s, 90s; long grad school made for a late ...
by CyclingDuo
Tue Jan 30, 2018 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Better use taxable than horrible 403b?
Replies: 6
Views: 631

Re: Better use taxable than horrible 403b?

Hello long time lurker, My partner is starting a new job with a 403b that has a 3% match, but the fees are above the 1.7% which I have read to be the point to consider only using a taxable account. Total expected time at the job is believed to be atleast 3 years. Plan options are: Oppenheimer Real ...
by CyclingDuo
Tue Jan 30, 2018 10:29 am
Forum: Investing - Theory, News & General
Topic: 401k millionaires
Replies: 158
Views: 23602

Re: 401k millionaires

$140K household income is comfortably upper middle class. I would expect a household making $140K to be able to max out two 401Ks living in a high cost of living area with two kids. Even living on $100K pre tax they would be comfortably upper middle class. As Dottie mentioned earlier in the thread,...
by CyclingDuo
Mon Jan 29, 2018 7:58 am
Forum: Investing - Help with Personal Investments
Topic: Thinking About Timing the Market
Replies: 75
Views: 5610

Re: Thinking About Timing the Market

is there a chart for the modern era say 1970-2018? I am sure if you search around you will find one that meets your needs. I prefer the Yardeni work of the shorter term trends of bull and bear markets, and corrections here: https://www.yardeni.com/pub/sp500corrbear.pdf The mild recession and bear m...