Search found 1682 matches

by PFInterest
Tue Aug 21, 2018 10:05 am
Forum: Investing - Help with Personal Investments
Topic: ESPlanner Value vs. Cost
Replies: 1
Views: 75

Re: ESPlanner Value vs. Cost

what are you looking to get out of it that FIRECalc or the other free solutions dont offer?
so no.
by PFInterest
Tue Aug 21, 2018 7:28 am
Forum: Investing - Help with Personal Investments
Topic: Simple Question
Replies: 2
Views: 168

Re: Simple Question

we cant compare you if we dont know what you have or how long youve had it.
you can compare yourself to the s&p if you are invested in the s&p or large cap.
so 13.8 might be good. might be bad. but we cant know....
by PFInterest
Tue Aug 21, 2018 6:09 am
Forum: Investing - Help with Personal Investments
Topic: Does this Solo 401k Plan Make Sense?
Replies: 4
Views: 165

Re: Does this Solo 401k Plan Make Sense?

Sure. That's annoying. E-Trade is a great place to have a solo 401k, so just do that.
by PFInterest
Tue Aug 21, 2018 6:08 am
Forum: Investing - Help with Personal Investments
Topic: Portofolio diversification question
Replies: 2
Views: 138

Re: Portofolio diversification question

Nope.
Why aren't you choosing VTI, VXUS, and BND?
Once you know why you don't want those, then go for it.
by PFInterest
Tue Aug 21, 2018 6:03 am
Forum: Investing - Help with Personal Investments
Topic: Total International Exposure with Schwab MFs
Replies: 9
Views: 322

Re: Total International Exposure with Schwab MFs

Shouldn't use TDF in taxable, not efficient, cant TLH
by PFInterest
Mon Aug 20, 2018 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Repairs, and the economic joys of homeownership
Replies: 13
Views: 1221

Re: Repairs, and the economic joys of homeownership

Recently my partner and I unexpectedly found ourselves in a position to buy the condo that we had been renting for several years. I wrote about that in this ( https://www.bogleheads.org/forum/viewtopic.php?f=2&t=250741 ) thread. Prior to the situation being sprung on us, I had a relatively skeptica...
by PFInterest
Mon Aug 20, 2018 8:38 pm
Forum: Investing - Help with Personal Investments
Topic: What should I do with my pension lump sum?
Replies: 8
Views: 671

Re: What should I do with my pension lump sum?

you have an investing policy statement and plan (https://www.bogleheads.org/wiki/Investment_policy_statement)? if you dont, get one. what are you already doing with your money? make it work in that plan. i would defer the pension. thats 5%/yr, not terrible. without specifics, thats about as specific...
by PFInterest
Mon Aug 20, 2018 8:36 pm
Forum: Investing - Help with Personal Investments
Topic: helping young friend with 401k fund choices
Replies: 3
Views: 165

Re: helping young friend with 401k fund choices

ugh.
NEIAX and VMVIX only.
would not rollover IRA to that 401k. you can place bonds and intl there. he can also put intl in taxable leaving the IRA for bonds.
he can also fund a rIRA (if qualifies) and put intl there.
needs to talk to HR and try and get it improved. crazy to still see load funds.
by PFInterest
Mon Aug 20, 2018 7:03 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA Backdoor Investment question
Replies: 4
Views: 470

Re: Roth IRA Backdoor Investment question

Dear Coaches, I need your guidance on a few things: 1) I am Planning on starting the backdoor RIRA for me and wife. 2) will be doing the same with Vanguard 3) I am 40 years old Now here is where i need help: Typically for 401K ... I usually choose a retirement path fund. However, the intent of the ...
by PFInterest
Mon Aug 20, 2018 7:02 pm
Forum: Investing - Help with Personal Investments
Topic: CA resident 529
Replies: 13
Views: 1071

Re: CA resident 529

Dear Bloggers, i read some posts but still confused hence my question: Why are many people recommending the Utah / Nevada plan for 529 even when they are CA residents. How does that work? am assuming there are no deductions allowed for CA 529 plan. But would that not be the same for a different sta...
by PFInterest
Mon Aug 20, 2018 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: 529 Vs 401A vs Post Tax investment like betterment
Replies: 3
Views: 180

Re: 529 Vs 401A vs Post Tax investment like betterment

Just wanted to seek some advise on my understanding of below: 529: If not used for college, i will pay "income tax" + penalty 401A.. contributions have to be after tax. also when i withdraw the gains will be taxed at "income tax" assuming this will be lower than todays taxes however it could also b...
by PFInterest
Mon Aug 20, 2018 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: The more I learn the less I know: general checkup, lots of questions.
Replies: 16
Views: 1891

Re: The more I learn the less I know: general checkup, lots of questions.

The Stats: Emergency fund/savings: yes Debt: No Tax Filing Status: Married Filing Jointly Tax Rate: 15% Federal, but next year will likely be 25% - these brackets no longer exist, please update. - please also add your CA marginal bracket State of Residence: CA Age: me 38, him 40, 1yo The Breakdown:...
by PFInterest
Mon Aug 20, 2018 6:10 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation (College Graduate Edition)
Replies: 16
Views: 692

Re: Asset Allocation (College Graduate Edition)

ruralavalon wrote:
Mon Aug 20, 2018 2:07 pm
You are in the 25% tax bracket, no pension, no Social Security.
ttpark wrote:
Sun Aug 19, 2018 6:27 pm
Tax Bracket for 64k in CA:
Federal: 25%
State: 9.3%
there is no 25% tax bracket anymore.
you are actually in the 22% bracket.
if you do pretax 401k you might get down to 8% CA.
by PFInterest
Mon Aug 20, 2018 6:01 pm
Forum: Investing - Help with Personal Investments
Topic: Naive rebalancing question
Replies: 15
Views: 1083

Re: Naive rebalancing question

RobLIC wrote:
Mon Aug 20, 2018 3:12 pm
If there had been a LifeStrategy 70/30 find, I’d probably just do that
i mean, kind of: https://investor.vanguard.com/mutual-fu ... olio/vthrx
by PFInterest
Mon Aug 20, 2018 2:03 pm
Forum: Investing - Help with Personal Investments
Topic: Mutual Fund Drift (Style Perspective)
Replies: 4
Views: 247

Re: Mutual Fund Drift (Style Perspective)

you can aim for whatever you like. its all a bet anyways.
by PFInterest
Mon Aug 20, 2018 10:14 am
Forum: Investing - Help with Personal Investments
Topic: Naive rebalancing question
Replies: 15
Views: 1083

Re: Naive rebalancing question

When the market invariably turns, and one day I wake up to see that my bond allocation exceeds my stock allocation on the day I've chosen to rebalance once a year or so ... does that mean I'll be selling Total Bond to purchase more Total Stock/Int'l Stock, in order to keep my 70/30? In other words:...
by PFInterest
Mon Aug 20, 2018 9:45 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3664
Views: 1039954

Re: What Movie Have You Recently Watched?

Crazy Rich Asians!
by PFInterest
Mon Aug 20, 2018 8:00 am
Forum: Investing - Help with Personal Investments
Topic: VTSAX minimum vs IRA maximum
Replies: 9
Views: 522

Re: VTSAX minimum vs IRA maximum

If I am wanting to buy VTSAX, and there is a $10,000 minimum for admiral shares, how can I purchase this in my IRA (where there is a $5500 a year limit)? you dont until you have 2 years of contribution. you but VTSMX and convert at 10K. or you buy VTI and can convert if you like at 10k. good thing ...
by PFInterest
Mon Aug 20, 2018 7:02 am
Forum: Investing - Theory, News & General
Topic: Mutual Funds vs. ETF's
Replies: 30
Views: 2063

Re: Mutual Funds vs. ETF's

This is one ideal question that I wanted to answer, I write content for financial firms and I certainly feel that ETF's are a win-win here! Let me explain what I am trying to say: ETFs are Lower in Cost Take the example of Vanguard who has a lower annual expense ratio for ETFs than for mutual funds...
by PFInterest
Mon Aug 20, 2018 6:54 am
Forum: Investing - Help with Personal Investments
Topic: Where to put the first $5000
Replies: 24
Views: 1683

Re: Where to put the first $5000

Financial Info: Income: $80,000 Emergency funds: $2000, working to increase Debt: - Student Loans: $400,000 at 6.75%, enrolled in REPAYE going for PSLF - Credit Cards: $3,000 at 0% APR. Will have this paid off by end of 2018. Tax Filing Status: Married Filing Jointly Tax Rate: 15.0% Federal, 5.0% S...
by PFInterest
Sun Aug 19, 2018 8:32 pm
Forum: Investing - Help with Personal Investments
Topic: Where to put the first $5000
Replies: 24
Views: 1683

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: 14
Views: 1300

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: 24
Views: 1683

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: 24
Views: 1683

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: 9
Views: 500

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: 24
Views: 1683

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: 497

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: 16
Views: 692

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: 429

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: 292

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: 16
Views: 692

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: 643

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: 557

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: 40
Views: 6208

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: 557

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: 403

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: 23
Views: 838

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: 38
Views: 3478

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: 23
Views: 838

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: 23
Views: 838

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: 27
Views: 2059

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: 388

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: 679

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: 733

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: 1806

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: 1359

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...