Search found 34 matches

by trueson1
Mon Oct 16, 2017 3:28 pm
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 104
Views: 5761

Re: How does everyone keep track of your portfolio?

As others have mentioned - Personal Capital is my favorite. What I don't like about PC is that if keeps your cash separate from investments for overall portfolio
Fidelity Full View OK - but the Retirement Estimator is also pretty good - better than Personal Capital.

Also Excel
by trueson1
Thu Oct 12, 2017 11:23 am
Forum: Investing - Theory, News & General
Topic: What's your asset allocation and why?
Replies: 160
Views: 13746

Re: What's your asset allocation and why?

62 - 3 years from retirement

60% - stocks (70% US, 30% Int); Total stock index, Int stock Index; Reit Index (1%); Utilities ETF (1%)
35% - bonds (90% US, 10% Int); Total Bond Index, Total Int Bond Index
5% - cash

Seems about right all things considered.
by trueson1
Mon Oct 09, 2017 6:10 pm
Forum: Personal Consumer Issues
Topic: Is there boglehead consensus on buying a car?
Replies: 73
Views: 4797

Re: Is there boglehead consensus on buying a car?

I buy new. Research to get a good reliable car. Take care of it. Drive it till the wheels fall off.
by trueson1
Mon Oct 09, 2017 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone go 100% Ally or another online bank for all banking needs?
Replies: 61
Views: 4959

Re: Anyone go 100% Ally or another online bank for all banking needs?

I have Ally and Goldman Sachs online accounts to spread my money around a little. Great for transferring money around electronically. In addition, I do like to have a local bank for safe deposit, etc. Plus local credit unions have the best rates on high interest checking accounts. I have 2 both earn...
by trueson1
Sun Oct 01, 2017 8:47 pm
Forum: Investing - Theory, News & General
Topic: How do you determine the emergency fund size?
Replies: 65
Views: 15587

Re: How do you determine the emergency fund size?

I have 4 months in my E fund in 2 high yield checking accounts both paying 3%. All I have to do is have a direct deposit to each of these and have 10-12 debit card withdrawals each month. Easy access to cash if needed and still earning a decent return. These accounts are not that difficult to find b...
by trueson1
Mon Sep 11, 2017 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Freezing your credit??
Replies: 15
Views: 1654

Re: Freezing your credit??

All frozen. It was relatively easy. You can temporarily remove freeze if you need a credit check for a cc or loan.
by trueson1
Sun Sep 10, 2017 10:34 am
Forum: Investing - Help with Personal Investments
Topic: moving money out of 401K to vanguard IRA
Replies: 5
Views: 406

Re: moving money out of 401K to vanguard IRA

Yes - my plan will allow a rollover. But looks like it probably will not make much difference in the next couple of years and the fees are similar. I am doing mega back door Roth with after tax max and moving this out to Vanguard at the end of every year - that is basically why I am asking, as I cou...
by trueson1
Sun Sep 10, 2017 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 47169

Re: Equifax customer information leak

Freeze all 3 credit accounts and monitor yourself. Only way to be sure.
by trueson1
Sun Sep 10, 2017 8:23 am
Forum: Investing - Help with Personal Investments
Topic: moving money out of 401K to vanguard IRA
Replies: 5
Views: 406

moving money out of 401K to vanguard IRA

Hi BHs, I am 3 years away from retirement (currently 61). I have about 50% of my retirement assets in company trad 401K (most in Inst Vanguard 2020 and 2025 - fee 0.1%) . Should I go ahead and roll these assets out and get consolidated into my Admiral accounts (Total Stock, Int Stock, Total Bond) in...
by trueson1
Sat Aug 05, 2017 8:26 am
Forum: Investing - Help with Personal Investments
Topic: Roth 401(K)
Replies: 24
Views: 1905

Re: Roth 401(K)

Don't forget about after-tax savings in 401K also. Total amount of 401K allowable savings between you and your employer for 2017 is 54K (18k max for you pretax or Roth) + another 6K max (24K) if you are over 50. So a max total of 60K if over 50. If your employer kicks in matching and profit sharing ...
by trueson1
Fri Aug 04, 2017 10:52 am
Forum: Investing - Help with Personal Investments
Topic: After-Tax 401K w/ In-Plan Roth conversion vs Taxable
Replies: 26
Views: 3184

Re: After-Tax 401K w/ In-Plan Roth conversion vs Taxable

Also search for threads on "mega back door Roth" and see if your 401K plan allows it. Great way to convert after tax 401K money to Roth.

I converted 18K last year and will do similar this year.
by trueson1
Mon Jul 10, 2017 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review Request - 4 years from retirement
Replies: 3
Views: 935

Re: Portfolio Review Request - 4 years from retirement

Thanks, I'm currently 61 and my wife is 62. Both retiring at 65. We are both are targeting collecting SS and pension at 65 or 66 - haven't decided for sure but likely 65 when Medicare eligible. SS -If 65, 48K for both of us combined, if 66.4 ~52K Pension at 65, -25K, if 66.4 - 30K Maybe a lumpy boat...
by trueson1
Mon Jul 10, 2017 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review Request - 4 years from retirement
Replies: 3
Views: 935

Portfolio Review Request - 4 years from retirement

Hi Bogelheads. I would appreciate a portfolio review. My wife and I will be retiring in 4 years. Here is my current situation. Total Portfolio A. Me Company 401K 1. VTWNX - Vanguard 2020 tax-deferred IRA – 380K 2. VTTVX -Vanguard 2025 tax-deferred IRA - 35K Adding 60K per year for next 4 years and r...
by trueson1
Sun May 07, 2017 7:32 am
Forum: Personal Finance (Not Investing)
Topic: Most Common Financial Mistakes
Replies: 108
Views: 15160

Re: Most Common Financial Mistakes

1. Getting into high interest debt 2. Giving away free money - not taking advantage of matching employer 401K contributions 3. Not educating yourself about money - being lazy about finances. 4. Not paying yourself first, i.e. not putting your saving on autopilot so you never miss it. 5. Not agreeing...
by trueson1
Sun Apr 23, 2017 9:44 am
Forum: Investing - Theory, News & General
Topic: Single most important investing advice?
Replies: 97
Views: 12915

Re: Single most important investing advice?

1. Save more than you spend.

2. Put saving on auto pilot and don't touch it.

3. Take control of your finances. Educate yourself. Don't let someone else invest your money.
by trueson1
Fri Apr 21, 2017 12:14 pm
Forum: Investing - Help with Personal Investments
Topic: The Value of Debt in Retirement
Replies: 16
Views: 1579

The Value of Debt in Retirement

Following up on a post that I made several weeks ago on carrying a mortgage into retirement. White Coat Investor suggested reading "The Value of Debt in Retirement" by Thomas Anderson. It was a great read. I'm intrigued with the concept of enriching debt . He cites various examples of peop...
by trueson1
Sun Apr 16, 2017 7:54 am
Forum: Personal Finance (Not Investing)
Topic: Carrying a mortgage into retirement
Replies: 39
Views: 5007

Re: Carrying a mortgage into retirement

Thanks Everyone. Great advice. We will weigh this carefully as we make our decision.

Maybe the stock market will rise 15% per year for the next 4 years and we we can pay cash! :moneybag :D
by trueson1
Sat Apr 15, 2017 9:18 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Setting up for Retirement
Replies: 0
Views: 367

Portfolio Review - Setting up for Retirement

Hi Bogelheads. I would appreciate a portfolio review My wife and I will be retiring in 4 years. Here is my current situation. Total Portfolio A. Me Company 401K 1. Vanguard 2020 tax-deferred IRA – 370K 2. Vanguard 2025 tax-deferred IRA - 25K Adding 60K per year for next 4 years and rolling over 18K ...
by trueson1
Fri Apr 14, 2017 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Carrying a mortgage into retirement
Replies: 39
Views: 5007

Re: Carrying a mortgage into retirement

Selling current home when we retire with anticipated 200K equity. Will likely buy property for retirement building in the next year with cash and build the home during the last year before retirement. The 500K actually includes the property which is about 90K, so I might only have to mortgage about ...
by trueson1
Fri Apr 14, 2017 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Carrying a mortgage into retirement
Replies: 39
Views: 5007

Re: Carrying a mortgage into retirement

Thanks everyone. All things discussed I am considering. Nice to see that people have done it both ways. I am not uncomfortable taking some mortgage into retirement as long as I have have the assets to cover it, and I don't want to be house rich and liquid poor. We could get by with a less expensive ...
by trueson1
Fri Apr 14, 2017 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Carrying a mortgage into retirement
Replies: 39
Views: 5007

Carrying a mortgage into retirement

Oh wise Bogelheads, My wife and I will be retiring in 4 years at 65 with about ~$2M in total projected retirement assets at that time. Projected annual expenses in retirement (based on current house payment and taxes of 24K per year ): 120K (would be 18K less per year if no mortgage - see below) Bre...
by trueson1
Sun Apr 02, 2017 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: Mega back door Roth 401K - potential complication
Replies: 6
Views: 551

Re: Mega back door Roth 401K - potential complication

Thanks Spirit Rider. Right pre-tax earnings - not non-deductible. I'm in good shape then.

Thanks All!
by trueson1
Sun Apr 02, 2017 6:34 pm
Forum: Investing - Help with Personal Investments
Topic: Mega back door Roth 401K - potential complication
Replies: 6
Views: 551

Re: Mega back door Roth 401K - potential complication

So, I'm still not completely clear. I have 18K after tax that I directly converted form my 401K to a Vanguard Roth and $550 non-deductible earnings on that 18K that I rolled over to a tIRA. As long as I don't ever convert the tIRA (leave as tIRA), and even add non-deductible earnings from subsequent...
by trueson1
Sun Apr 02, 2017 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: Mega back door Roth 401K - potential complication
Replies: 6
Views: 551

Mega back door Roth 401K - potential complication

I converted 18K of after tax 401K savings to a Vanguard Roth recently. These savings also resulted in ~$500 of earnings that I converted to a tIRA at Vanguard at the same time. I also have a separate SEP IRA at Vanguard but no other tIRAs. As long as I don't convert the tIRA to a Roth, will I have a...
by trueson1
Fri Mar 17, 2017 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: Maximum 401K limits for 2017
Replies: 23
Views: 3909

Re: Maximum 401K limits for 2017

Good point. I'll check thar.
by trueson1
Fri Mar 17, 2017 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: Maximum 401K limits for 2017
Replies: 23
Views: 3909

Re: Maximum 401K limits for 2017

Thanks - 60k it is for Max total 401K contributions in 2017! I'm setting it up now to max out: 24 (18+6) K pretax, 18K after tax to Roth out at EOY and 18K company contribution.

Bogelheads Rock!
by trueson1
Thu Mar 16, 2017 9:30 am
Forum: Investing - Help with Personal Investments
Topic: Maximum 401K limits for 2017
Replies: 23
Views: 3909

Maximum 401K limits for 2017

Can someone confirm this please. Per the table below the maximum employee (elective deferral) annual contribution limit across all 401k and 403b plans stays at $18,000 in 2017. The maximum annual contribution rises to $54,000 which includes elective deferrals, employer matching (+$500 this year) and...
by trueson1
Thu Mar 16, 2017 8:46 am
Forum: Investing - Help with Personal Investments
Topic: Superfunding a Roth
Replies: 24
Views: 2594

Re: Superfunding a Roth

Thanks for the great advice in Mega back door! I phoned my 401K representative. Explained that I had a taxable amount in my 401K from last year and first couple of months of this year that I wanted to rollover to Vanguard. Explained that this had both withheld amount and earnings. Indicated that I w...
by trueson1
Mon Mar 13, 2017 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: How am I doing? - Advice approaching retirement
Replies: 5
Views: 778

Re: How am I doing? - Advice approaching retirement

Thanks a lot. I may come back after I have a chance to think about this.
by trueson1
Mon Mar 13, 2017 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: How am I doing? - Advice approaching retirement
Replies: 5
Views: 778

How am I doing? - Advice approaching retirement

Hello, This is my first time posting. I am 61 years old, married (spouse also 61 and retired), now empty nesters and have done all my own saving an investing over the years. Planning to retire at 65. Portfolio: 500K in personal IRAs invested in various Vanguard Index funds (60/40 stock/bond) 400K in...
by trueson1
Mon Mar 13, 2017 1:06 pm
Forum: Investing - Help with Personal Investments
Topic: Superfunding a Roth
Replies: 24
Views: 2594

Re: Superfunding a Roth

Many Thanks - I'll check that yearly payout!

Oh sorry - yes company 401K, not IRA
by trueson1
Mon Mar 13, 2017 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: Superfunding a Roth
Replies: 24
Views: 2594

Superfunding a Roth

Is anyone else doing this? I just started last year with 24K in pre-tax IRA, 18K company match IRA and 10K after tax . Plan to max out 401K this year and following years at 60K between 24K IRA, match and after tax. Then when I retire in 5 years roll the after tax over into a Roth.

http://www.kiplinger.com/article/retire ... yptr=yahoo