Search found 1660 matches

by PFInterest
Sun Aug 19, 2018 8:32 pm
Forum: Investing - Help with Personal Investments
Topic: Where to put the first $5000
Replies: 23
Views: 1147

Re: Where to put the first $5000

flyingaway wrote:
Sun Aug 19, 2018 7:59 pm
badbreath wrote:
Sun Aug 19, 2018 6:45 pm
just do VTI or VTSMX and keep reading about investing.
Is VTI better than VTSMX better, in terms of the current U.S. market valuation?
they are exactly the same thing.
by PFInterest
Sun Aug 19, 2018 8:24 pm
Forum: Investing - Help with Personal Investments
Topic: dollar cost averaging
Replies: 7
Views: 414

Re: dollar cost averaging

I have a reallocation question. I have about 200K stocks from my previous company that I will be liquidating (as per company policy - non public traded stocks) and rolling over to my vanguard IRA account. The 200k will be parked in a money market account. I also have 300K already in the same vangua...
by PFInterest
Sun Aug 19, 2018 3:28 pm
Forum: Investing - Help with Personal Investments
Topic: Where to put the first $5000
Replies: 23
Views: 1147

Re: Where to put the first $5000

DanMahowny wrote:
Sun Aug 19, 2018 3:20 pm
Low cost S&P 500 Index fund or etf. Leave it there.
no, there is no reason to use s&p these days. this is old advice.
by PFInterest
Sun Aug 19, 2018 3:28 pm
Forum: Investing - Help with Personal Investments
Topic: Where to put the first $5000
Replies: 23
Views: 1147

Re: Where to put the first $5000

MotoTrojan wrote:
Sun Aug 19, 2018 3:11 pm
VTSMX, unless a target retirement or Lifestrategy fund is of interest. Why aren’t you doing that route?
those are also fine. the OP didnt ask about those.
by PFInterest
Sun Aug 19, 2018 3:11 pm
Forum: Investing - Help with Personal Investments
Topic: Roth Recharacterization Question
Replies: 7
Views: 272

Re: Roth Recharacterization Question

yes you need to recharacterize. if you made too much money to directly contribute, you likely cannot deduct a tIRA. you need to figure out how to clean up the tIRA to open the backdoor rIRA.
by PFInterest
Sun Aug 19, 2018 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: Where to put the first $5000
Replies: 23
Views: 1147

Re: Where to put the first $5000

the limit is 5.5K, just in case.
VTI or VTSMX are fine.
do you want ETFs or MF?
you can go from MF to ETF but not the other way around.
at the end of the day, it doesnt matter. the cost difference is $5. you spent more than that on coffee this week.
by PFInterest
Sun Aug 19, 2018 2:54 pm
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting (TLH) opportunities
Replies: 5
Views: 413

Re: Tax Loss Harvesting (TLH) opportunities

Where do you get your TLH opportunities, and does TLH benefit count for any significant return in your portfolio? I have not found sufficient TLF opportunities to the the concept very seriously. The market has been in a general up trend, most Bogleheads invest for the long term, hold only a few ass...
by PFInterest
Sun Aug 19, 2018 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation (College Graduate Edition)
Replies: 14
Views: 452

Re: Asset Allocation (College Graduate Edition)

I've read about the imminent crash but also understand it will be impossible to time the market so I'm in now I'm holding around ~8k in my savings account so I can use that to buy equities on sale. Planning to increase amount to 10k with upcoming paychecks. Would you consider this enough to count a...
by PFInterest
Sun Aug 19, 2018 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: [Thinking about a two-fund portfolio]
Replies: 5
Views: 356

Re: [Thinking about a two-fund portfolio]

Moved into a stand-alone thread from: The Three-Fund Portfolio --admin LadyGeek] Question for Taylor et al regarding international investing. Based on a ratio of 20% of equity allocation to the Total International Stock Index Fund (VTIAX), does it really have much of an impact if your total allocat...
by PFInterest
Sun Aug 19, 2018 1:41 pm
Forum: Investing - Help with Personal Investments
Topic: Transferring Tax-Advantaged Small-Cap to another broker
Replies: 7
Views: 251

Re: Transferring Tax-Advantaged Small-Cap to another broker

where do you want to transfer it to? once you decide that, then you ask them. some places take securities in kind. some places dont.

but why would you want to hold vanguard funds outside of vanguard?
by PFInterest
Sun Aug 19, 2018 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation (College Graduate Edition)
Replies: 14
Views: 452

Re: Asset Allocation (College Graduate Edition)

to be fair, a crash is coming during the beginning part of your investing life, what will you use to buy equities on sale? so think about that, and at least do 5-10% as part of learning the pain of diversification. but i digress. i dont know why you are slicing that way. why not total stock + small?...
by PFInterest
Sun Aug 19, 2018 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Young dentist seeking advice
Replies: 5
Views: 529

Re: Young dentist seeking advice

do you want to own and run your own practice? do you want to learn how?

otherwise, no.
by PFInterest
Sun Aug 19, 2018 11:55 am
Forum: Investing - Help with Personal Investments
Topic: Transferring institutional class shares from 401k to Vanguard?
Replies: 8
Views: 489

Re: Transferring institutional class shares from 401k to Vanguard?

My wife holds Vanguard institutional class share funds in a Fidelity Roth 401k. If she transfers it out to a Vanguard Roth IRA (allowed by plan), can she keep and continue to add to the institutional class or will Vanguard revert it to an Admiral share class? Thanks. My understanding has been that ...
by PFInterest
Sun Aug 19, 2018 11:44 am
Forum: Personal Consumer Issues
Topic: My son was scammed on Craigslist- how to get money back
Replies: 18
Views: 2367

Re: My son was scammed on Craigslist- how to get money back

My 26 year old son answered a Craigslist ad for short term rental that he needed for school. He got a rental application and spoke to scammer several times. He wired funds from his BOA account to scammers BOA account. Found out no apartment exists and landlord claims 3 others got scammed as well. B...
by PFInterest
Sun Aug 19, 2018 11:38 am
Forum: Investing - Help with Personal Investments
Topic: Transferring institutional class shares from 401k to Vanguard?
Replies: 8
Views: 489

Re: Transferring institutional class shares from 401k to Vanguard?

Any actual experience. Reason I ask is that I notice that Vanguard often doesn’t downgrade admiral to investor shares when they fall below the threshold, so I figure they might not bother with the effort to downgrade institutional to admiral. that has nothing to do with rollovers. its not going to ...
by PFInterest
Sun Aug 19, 2018 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth IRA Conversion with Possible IRA Aggregation Rule
Replies: 4
Views: 295

Re: Backdoor Roth IRA Conversion with Possible IRA Aggregation Rule

yes. but easy.
you rollover the earnings to a 401k.
you add 5500 this year, and convert all the non-deducible basis to a rIRA.

now your tIRA is gone for future years of backdoor rIRA.
by PFInterest
Sun Aug 19, 2018 8:49 am
Forum: Investing - Help with Personal Investments
Topic: Need advice on limited TIAA fund choices!
Replies: 19
Views: 527

Re: Need advice on limited TIAA fund choices!

OtterBee wrote:
Sun Aug 19, 2018 8:47 am
TR stands for turnover rate. Have been reading the 3 fund portfolio book and this is one of the criteria that affects fund performance.
Thanks!
ah. this only applies to taxable accounts, not tax advantaged accounts so is not necessary here.
by PFInterest
Sun Aug 19, 2018 8:25 am
Forum: Personal Finance (Not Investing)
Topic: How do you pay for purchase of a vehicle in retirement?
Replies: 7
Views: 1113

Re: How do you pay for purchase of a vehicle in retirement?

since you are retired your entire portfolio is available. i would take money from where it will impact taxes the least.
by PFInterest
Sun Aug 19, 2018 8:23 am
Forum: Investing - Help with Personal Investments
Topic: Need advice on limited TIAA fund choices!
Replies: 19
Views: 527

Re: Need advice on limited TIAA fund choices!

bikechuck wrote:
Sun Aug 19, 2018 8:22 am
What do the letters TR stand for?
im guessing total return turnover rate.

nailed it.
by PFInterest
Sun Aug 19, 2018 8:23 am
Forum: Investing - Help with Personal Investments
Topic: Need advice on limited TIAA fund choices!
Replies: 19
Views: 527

Re: Need advice on limited TIAA fund choices!

- i think you should make part of your FI TIAA Trad. how much is up to you. its a unique fund, not as good as it once was.
- TCEPX is simpler
- you need to mix both intl funds as TRIPX does not have EM
- put the FI in the 403 since it has better options
by PFInterest
Sun Aug 19, 2018 5:48 am
Forum: Personal Finance (Not Investing)
Topic: 'Online Banking – School Me’ 2
Replies: 24
Views: 1409

Re: 'Online Banking – School Me’ 2

This is a take-off of the post entitled ‘Online Banking – School Me’… I’ve been struggling with this for a long time. How can any of you… transfer 10’s of thousands ($$$) of your hard-earned money to an ‘Online Bank’ (etc. Ally etc)????? To me I am sending big $$$ to an institution I can’t see or v...
by PFInterest
Sat Aug 18, 2018 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review request
Replies: 5
Views: 364

Re: Portfolio review request

For taxable account, you need to use munis VWIUX and partly VCAIX, not total bond.
by PFInterest
Sat Aug 18, 2018 4:08 pm
Forum: Personal Consumer Issues
Topic: Fitness band with excellent Android syncing?
Replies: 17
Views: 601

Re: Fitness band with excellent Android syncing?

Doesn't address the specific question of reliability of Android syncing. you clearly didnt read the article. there is a specific mention for Android users. :oops: I thought you were pointing to the top-rated device. You mean "Samsung Gear Fit2 Pro...It’s a particularly good pick for Android users?"...
by PFInterest
Sat Aug 18, 2018 4:07 pm
Forum: Investing - Theory, News & General
Topic: Diversification
Replies: 13
Views: 660

Re: Diversification

I never understood the logic that in order to prove one is diversified is to have a fund or two losing money for the year as others are making money in terms of fund appreciation in fund price. If this is correct....why? If all are in positive territory at any given point in the year....then you ar...
by PFInterest
Sat Aug 18, 2018 2:26 pm
Forum: Investing - Help with Personal Investments
Topic: Automatic Investment in a Taxable Account
Replies: 20
Views: 1766

Re: Automatic Investment in a Taxable Account

I have not paid close attention to my 401K and Roth IRA statements in the past. After I examine my year end Roth IRA statement from TD Ameritrade closely, I notice a line called 'income(Expense)' that has more than 3K in it. I am thinking maybe this is what is called 'Dividends' in my 401K. The com...
by PFInterest
Sat Aug 18, 2018 1:17 pm
Forum: Investing - Theory, News & General
Topic: Capital Gains on an Index Fund
Replies: 25
Views: 1309

Re: Capital Gains on an Index Fund

Then how do Bogleheads re-balance every quarter if they potentially are looking at STCG hits by adjusting less than a year? So even though the underlying stocks were held by Vanguard for 5 years, if I buy & sell the index fund within 12 months...all gains are STCG!? who said thats what bogleheads d...
by PFInterest
Sat Aug 18, 2018 11:46 am
Forum: Investing - Help with Personal Investments
Topic: Moving within Fidelity
Replies: 12
Views: 1450

Re: Moving within Fidelity

So after so many moving "to" fidelity threads, this one is moving within Fidelity. I have a Rollover IRA at Fidelity that's invested in 500-index (FUSVX) and Internaltional index funds (FSIVX). Given the new ZERO index funds, it seems like a no brainer to switch. Since it is IRA, there should be no...
by PFInterest
Sat Aug 18, 2018 11:41 am
Forum: Investing - Theory, News & General
Topic: Capital Gains on an Index Fund
Replies: 25
Views: 1309

Re: Capital Gains on an Index Fund

Good info. I only have one taxed account a purchased last year. Vanguard Total Stock Market. So, it is up since purchase but I will keep a eye on when it drops I will sell and TLH. Is the $3000k per year you can take off your total income or off taxes. If that makes sense. Thanks, so any losses fir...
by PFInterest
Sat Aug 18, 2018 11:39 am
Forum: Investing - Theory, News & General
Topic: Capital Gains on an Index Fund
Replies: 25
Views: 1309

Re: Capital Gains on an Index Fund

I really do apologize. I think I'm reading this as conflicting. Let me ask it more narrowly: If I hold Total Stock Market index fund for 3 months and then liquidate to a Bond fund, is any gain treated differently than if I held it for 13 months prior to liquidating? Assumption: assume that for the ...
by PFInterest
Sat Aug 18, 2018 10:43 am
Forum: Personal Finance (Not Investing)
Topic: funds from inheritance [how is it taxed?]
Replies: 9
Views: 738

Re: funds from inheritance [how is it taxed?]

depends on your state but usually tax paid by estate.
by PFInterest
Sat Aug 18, 2018 10:28 am
Forum: Investing - Theory, News & General
Topic: Capital Gains on an Index Fund
Replies: 25
Views: 1309

Re: Capital Gains on an Index Fund

yes theres a difference. however, you only pay ST/LTCG tax when you sell something. otherwise you are paying tax on the reg or qualified dividends. so in summary: dont sell anything unless its to TLH. I'm really at a loss here. And remember I'm Bogle 101 level. I understand the dividend impact on t...
by PFInterest
Sat Aug 18, 2018 10:24 am
Forum: Personal Consumer Issues
Topic: Fitness band with excellent Android syncing?
Replies: 17
Views: 601

Re: Fitness band with excellent Android syncing?

nisiprius wrote:
Sat Aug 18, 2018 9:26 am
Doesn't address the specific question of reliability of Android syncing.
you clearly didnt read the article. there is a specific mention for Android users.
by PFInterest
Sat Aug 18, 2018 10:23 am
Forum: Personal Consumer Issues
Topic: Fitness band with excellent Android syncing?
Replies: 17
Views: 601

Re: Fitness band with excellent Android syncing?

off topic but hopefully you are still getting some security updates for Android Marshmallow. Actually, I'm not. I've been wondering about that. I know I have automatic updates on, because I get application updates pushed from the Google store several times a week--but nothing for Android itself. Se...
by PFInterest
Sat Aug 18, 2018 9:26 am
Forum: Personal Consumer Issues
Topic: Fitness band with excellent Android syncing?
Replies: 17
Views: 601

Re: Fitness band with excellent Android syncing?

The first, second, and third most important requirements are that it sync with Android. Reliably, easily, quickly, no problems, no fussing, every time, all the time. And with no pickiness about the precise phone brand or Android version (but FYI my phone is a Samsung running 6.0.1). Other desiderat...
by PFInterest
Sat Aug 18, 2018 9:24 am
Forum: Personal Consumer Issues
Topic: Fitness band with excellent Android syncing?
Replies: 17
Views: 601

Re: Fitness band with excellent Android syncing?

The first, second, and third most important requirement is that it sync with Android. Reliably, easily, quickly, no problems, no fussing, no pickiness about the precise Android version (but FYI my phone is running 6.0.1). Other desiderata: reasonably well-known name brand (no China Post direct ship...
by PFInterest
Sat Aug 18, 2018 9:21 am
Forum: Investing - Help with Personal Investments
Topic: Automatic Investment in a Taxable Account
Replies: 20
Views: 1766

Re: Automatic Investment in a Taxable Account

1- I would not do automatic taxable investing. Otherwise how will you TLH? Right. You especially want to turn off automatic reinvestment of dividends. I don't want to derail the thread, but investing automatically, say monthly, in a taxable account is still compatible with TLH. In the worst case, t...
by PFInterest
Sat Aug 18, 2018 9:16 am
Forum: Investing - Help with Personal Investments
Topic: Help with After Tax investment advise
Replies: 1
Views: 146

Re: Help with After Tax investment advise

do this: https://www.bogleheads.org/forum/viewtopic.php?t=6212 well get you fixed up. really only 2 items easily to change: - you need to start doing backdoor rIRA. - take your taxable investments and split them between total US (VTSAX), total intl (VTIAX) and int term muni (VWIUX) in the asset allo...
by PFInterest
Sat Aug 18, 2018 9:13 am
Forum: Personal Consumer Issues
Topic: Soap for hand washing dishes
Replies: 40
Views: 1785

Re: Soap for hand washing dishes

This is definitely in the category of first world problems, but maybe you can help to resolve a domestic issue. For years, my wife had been using a plain, unscented bar of soap to do our dishes. I did not think that such a hand/body soap was appropriate for dish washing, because it wasn't designed ...
by PFInterest
Sat Aug 18, 2018 9:12 am
Forum: Investing - Theory, News & General
Topic: Capital Gains on an Index Fund
Replies: 25
Views: 1309

Re: Capital Gains on an Index Fund

yes theres a difference. however, you only pay ST/LTCG tax when you sell something. otherwise you are paying tax on the reg or qualified dividends. so in summary: dont sell anything unless its to TLH. I'm really at a loss here. And remember I'm Bogle 101 level. I understand the dividend impact on t...
by PFInterest
Sat Aug 18, 2018 8:46 am
Forum: Investing - Help with Personal Investments
Topic: Move Rollover IRA to 401k or vice versa
Replies: 4
Views: 172

Re: Move Rollover IRA to 401k or vice versa

really only one thing determines this: are you doing rIRAs, and do they need to be done via backdoor?

the options look great at your current 401k.

so i would roll the IRA to the 401k, to open the backdoor rIRA.

if you can do direct rIRA contributions, then you can do whatever you like.
by PFInterest
Sat Aug 18, 2018 8:39 am
Forum: Investing - Help with Personal Investments
Topic: tIRA bond fund(s)
Replies: 13
Views: 664

Re: tIRA bond fund(s)

Sorry, PFInterest, I do not understand your question. I am in uncharted territory even thought I have learned so much from this site. no worries. the reason to choose a short term fixed income option is because you either A) need the money before the duration of the fund (because a change in intres...
by PFInterest
Sat Aug 18, 2018 8:37 am
Forum: Investing - Help with Personal Investments
Topic: 401k Advice
Replies: 12
Views: 656

Re: 401k Advice

yatesd wrote:
Thu Aug 16, 2018 9:32 pm
- I believe you can technically access IRA money at 55
- Downside is you can't take out loan against money (but not something you really want to do anyway)
also since no one else has addressed this
- no you cannot access IRA at 55, you are thinking of a 401k/403b.
by PFInterest
Sat Aug 18, 2018 8:36 am
Forum: Investing - Help with Personal Investments
Topic: 401k Advice
Replies: 12
Views: 656

Re: 401k Advice

yatesd wrote:
Sat Aug 18, 2018 7:08 am

This assumes a ROTH is the better choice for the OP today and he is able to pay the taxes now.

OK, this suggestion is irrelevant. Rolling over a 401K to an IRA has nothing to do with income.
i assumed you were talking about choosing a tIRA vs a rIRA as per your post quoted above.
by PFInterest
Sat Aug 18, 2018 8:35 am
Forum: Investing - Theory, News & General
Topic: Capital Gains on an Index Fund
Replies: 25
Views: 1309

Re: Capital Gains on an Index Fund

Newb question: When executing a 3-fund portfolio, do I need to take any consideration for short-term (<12 mos) capital gains vs. long-term on my Total Stock Market Index fund? In other words, is there any benefit to re-balancing in/out of a stock fund at 11 months vs. 12 months and 1 day? I assume ...
by PFInterest
Sat Aug 18, 2018 8:30 am
Forum: Investing - Help with Personal Investments
Topic: Automatic Investment in a Taxable Account
Replies: 20
Views: 1766

Re: Automatic Investment in a Taxable Account

We would like to set up an automatic investment plan in a taxable account. I have several questions on what I should do. We prefer ETF over mutual funds since it is more tax-efficient. However, I could not find any company offering automatic investment plan of ETF without a fee. On the other hand, ...
by PFInterest
Sat Aug 18, 2018 6:42 am
Forum: Investing - Help with Personal Investments
Topic: tIRA bond fund(s)
Replies: 13
Views: 664

Re: tIRA bond fund(s)

BeWyse wrote:
Fri Aug 17, 2018 3:54 pm
Equities in Roth, bonds in tIRA. Just don't know in the tIRA portion if the Total Bond Index Fund (which most people here seem to like) works for withdrawals in the near future, or if I need to add a shorter term bond fund to draw from.
Likely not as aren't you withdrawing for many years?
by PFInterest
Sat Aug 18, 2018 6:36 am
Forum: Investing - Help with Personal Investments
Topic: 401k Advice
Replies: 12
Views: 656

Re: 401k Advice

I won't address the new allocation, but why not roll over old 401K into an IRA account with Vanguard, Fidelity, or Schwab? This will give you more flexibility long-term. Nope stop. Backdoor rIRA. This assumes a ROTH is the better choice for the OP today and he is able to pay the taxes now. If one h...