Search found 43 matches

by coffeecup333
Sat Dec 08, 2018 3:59 pm
Forum: Investing - Help with Personal Investments
Topic: Short term or long term Roth conversions?
Replies: 2
Views: 216

Short term or long term Roth conversions?

I had roughly $3000+ sitting in a tIRA in the 2030 target retirement which I simplified and exchanged to the the total stock market index investor shares in Feb 2018. In July 2018, I converted this amount into a Roth IRA (same vgtsx shares). This was at a loss of $115.22 and know I will have to pay ...
by coffeecup333
Sun Dec 02, 2018 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: The first million?
Replies: 36
Views: 5463

Re: The first million?

I am trying to figure out if the numbers I am seeing are realistic so please weigh in. Using an investment calculator, with a low six figure starting amount currently saved in our retirement/brokerage accounts and estimating 5.23% returns (keeping it very conservative after taxes and inflation), if...
by coffeecup333
Sun Dec 02, 2018 9:39 pm
Forum: Investing - Help with Personal Investments
Topic: The first million?
Replies: 36
Views: 5463

Re: The first million?

No added opinions on the math, as other posters have it right, I'd just ask: What's so special about $1 million? That's just a number, and a conservative safe withdrawal amount is just $40,000/year. Your goal should have a connection to (or reflect) your projected expenses. If you're planning to sa...
by coffeecup333
Sun Dec 02, 2018 9:32 pm
Forum: Investing - Help with Personal Investments
Topic: The first million?
Replies: 36
Views: 5463

Re: The first million?

Try Portfolio Visualizer's Financial Goals tool. You can have differing contribution rates and it adjusts for inflation. https://www.portfoliovisualizer.com/financial-goals I agree forward returns from these valuations will be lower than historical averages over the next 5-7 years Thank you for thi...
by coffeecup333
Thu Nov 29, 2018 10:05 pm
Forum: Investing - Help with Personal Investments
Topic: The first million?
Replies: 36
Views: 5463

The first million?

I am trying to figure out if the numbers I am seeing are realistic so please weigh in. Using an investment calculator, with a low six figure starting amount currently saved in our retirement/brokerage accounts and estimating 5.23% returns (keeping it very conservative after taxes and inflation), if ...
by coffeecup333
Fri Oct 26, 2018 11:39 am
Forum: Investing - Theory, News & General
Topic: Compounding interest?
Replies: 51
Views: 5340

Re: Compounding interest?

take a look at the following picture. The bars show annual gains and losses (difference from beginning of each year to end of each year) and the purple dots show intra year losses (drops from peak to trough in each year). Do you see that even though there are intra year losses every year (on averag...
by coffeecup333
Thu Oct 25, 2018 9:55 pm
Forum: Investing - Theory, News & General
Topic: Compounding interest?
Replies: 51
Views: 5340

Re: Compounding interest?

Thank you for this. Using these retirement calculators and projecting a conservative 3%-5% return rate assumes a simple return but the annual rate of return of an investment is usually the effect of a series of returns (geometric mean). So if I am saving heavily, could it be that over time that my ...
by coffeecup333
Thu Oct 25, 2018 2:53 pm
Forum: Investing - Theory, News & General
Topic: Compounding interest?
Replies: 51
Views: 5340

Re: Compounding interest?

Please help me understand how saving heavily and compounding returns positive growth when I see losses in my accounts? Don't the losses wipe out the power of compounding in other words? If you save heavily, say 20% out of 100k and market crash by 10% per year: Yr 0: 0$ yr 1: 20k yr 2: 38k ; 90% inc...
by coffeecup333
Wed Oct 24, 2018 10:30 am
Forum: Investing - Theory, News & General
Topic: Compounding interest?
Replies: 51
Views: 5340

Compounding interest?

Please help me understand how saving heavily and compounding returns positive growth when I see losses in my accounts? Don't the losses wipe out the power of compounding in other words?
by coffeecup333
Wed Sep 19, 2018 10:47 am
Forum: Personal Consumer Issues
Topic: Recommendations for traveler's Insurance for 65 years+
Replies: 13
Views: 1010

Re: Recommendations for traveler's Insurance for 65 years+

delamer wrote: ↑
Tue Sep 04, 2018 9:54 pm
Are you looking for reimbursement if travel is interrupted, medical evacuation coverage, or health insurance if you need treatment outside the US?
Health insurance if treatment is needed is what we are looking for primarily.
by coffeecup333
Mon Sep 03, 2018 2:47 pm
Forum: Personal Consumer Issues
Topic: Recommendations for traveler's Insurance for 65 years+
Replies: 13
Views: 1010

Recommendations for traveler's Insurance for 65 years+

Looking for traveler's insurance for two adults over 65+ years. One has high blood pressure but both will be abroad for 1.5 months and roughly 3 months. Anyone have any experience with this? Any recommendations on what to look for/watch out for? Would traveler's insurance keep coverage going abroad ...
by coffeecup333
Sun Jul 15, 2018 7:23 am
Forum: Investing - Help with Personal Investments
Topic: To Roll Over or Leave Vested?
Replies: 3
Views: 449

Re: To Roll Over or Leave Vested?

Yes it's guranteed 5% growth. It's really a very small amount so it won't matter much in our retirement picture. After your inputs and thinking it over, I'll be leaving it. Thank you as always, Bogleheads.
by coffeecup333
Fri Jul 13, 2018 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: To Roll Over or Leave Vested?
Replies: 3
Views: 449

To Roll Over or Leave Vested?

I worked for government and left after vesting. I left all my contributions in the tier I was in when I left so it's been earning 5% growth every year. The tiers have changed now so I am lucky that if I ever go back, I can stay in this tier with all the associated benefits. But I am not sure where l...
by coffeecup333
Fri Jul 13, 2018 10:46 am
Forum: Investing - Theory, News & General
Topic: Total returns
Replies: 20
Views: 1908

Re: Total returns

Subtracting the expense ratios off the top of these returns gives me 27.44% and 27.23% which are no where near the benchmarks. So there must be some other math in here as suggested. Others have already pointed out that you should have *added* the expense ratio to the fund returns. Let me add that f...
by coffeecup333
Thu Jul 12, 2018 4:58 pm
Forum: Investing - Theory, News & General
Topic: Total returns
Replies: 20
Views: 1908

Re: Total returns

https://investor.vanguard.com/mutual-funds/profile/performance/vgtsx/cumulative-returns https://investor.vanguard.com/mutual-funds/profile/performance/vtiax/cumulative-returns According to the links above, the benchmark returns were 21.41%. Expense ratios: .11% vtiax and .17% for vgtsx Returns: 27.5...
by coffeecup333
Thu Jul 12, 2018 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: What rate of return are you using for retirement projections?
Replies: 99
Views: 10144

Re: What rate of return are you using for retirement projections?

The projections i am using are somewhat conservative: Stocks. 3.5% real return Bonds. 0.5% real return Cash. 0.0% real return With your portfolio using these numbers will give you a 1.6% real return. This is exactly the kind of calculations I was looking for. How do you get 1.6% as the real return ...
by coffeecup333
Wed Jul 11, 2018 3:26 pm
Forum: Investing - Theory, News & General
Topic: Total returns
Replies: 20
Views: 1908

Total returns

A few questions I hope can be clarified: 1) I am invested in total international index admiral and investor shares. Looking at the total returns for 2017, the investor shares have returned 27.40% vs the benchmark of 27.41% and the admiral shares have a total return of 27.55% vs the 27.41% benchmark....
by coffeecup333
Tue Jul 10, 2018 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: VGTSX in Traditional IRA-Convert to Roth?
Replies: 12
Views: 911

Re: VGTSX in Traditional IRA-Convert to Roth?

Thank you all for all the help! I have some numbers to crunch.
by coffeecup333
Sat Jul 07, 2018 10:34 pm
Forum: Investing - Help with Personal Investments
Topic: VGTSX in Traditional IRA-Convert to Roth?
Replies: 12
Views: 911

Re: VGTSX in Traditional IRA-Convert to Roth?

It might be better to roll the tIRA into your existing 401k (or similar) if available. Based on your backdoor Roth comment, your marginal rate may be higher now than in retirement. If so, you would be worse off to convert now instead of after retirement. Unfortunately, I don't have that option. Our...
by coffeecup333
Sat Jul 07, 2018 10:24 pm
Forum: Investing - Help with Personal Investments
Topic: VGTSX in Traditional IRA-Convert to Roth?
Replies: 12
Views: 911

Re: VGTSX in Traditional IRA-Convert to Roth?

It's all about your tax rate now versus your tax rate in the future. What rate will you pay on this conversion now? JW Roughly, if it is traditional retirement we will be staying in the same brackets (pending any more tax law changes). However, we are both hoping to retire early and use the various...
by coffeecup333
Sat Jul 07, 2018 10:19 pm
Forum: Investing - Help with Personal Investments
Topic: VGTSX in Traditional IRA-Convert to Roth?
Replies: 12
Views: 911

Re: VGTSX in Traditional IRA-Convert to Roth?

If you can't roll the traditional IRA into an employer plan, it is probably worth converting. If you don't convert it now, you will have to convert it when you need a backdoor Roth, and you'll probably be in a higher tax bracket then. And if you never need a backdoor Roth, you still simplify your p...
by coffeecup333
Fri Jul 06, 2018 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: VGTSX in Traditional IRA-Convert to Roth?
Replies: 12
Views: 911

VGTSX in Traditional IRA-Convert to Roth?

I have a little over $3000 sitting in a Traditional IRA invested in VGTSX from a time when I was able to contribute. My Roth currently is in VTSAX and taxable is also in VGTSX to make up my desired AA (bonds are in employer accounts). Does it make sense to roll this amount into the Roth? I was using...
by coffeecup333
Tue Mar 13, 2018 10:46 am
Forum: Investing - Help with Personal Investments
Topic: Balancing the Same Funds Across Taxable/Tax Deferred Accounts
Replies: 13
Views: 1128

Re: Balancing the Same Funds Across Taxable/Tax Deferred Accounts

You could look for similar, but not identical, funds to put in each account. For example, you could use Vanguard FTSE All-World ex-US (VFWIX) in Taxable, since you have Total Int'l in the Roth IRA. You already have S&P 500 in the 401K and Total Stock in the Roth IRA. Also note that a dividend doesn...
by coffeecup333
Fri Mar 09, 2018 7:41 am
Forum: Investing - Help with Personal Investments
Topic: Balancing the Same Funds Across Taxable/Tax Deferred Accounts
Replies: 13
Views: 1128

Re: Balancing the Same Funds Across Taxable/Tax Deferred Accounts

This feels like several questions. 1. If you don't want to follow livesoft's suggestion, another option is don't buy the same fund in the Roth within 30 days of selling for a loss in taxable.... Another option is to use similar but different funds in each account. Of course you might be wanting to ...
by coffeecup333
Fri Mar 09, 2018 7:32 am
Forum: Investing - Help with Personal Investments
Topic: Balancing the Same Funds Across Taxable/Tax Deferred Accounts
Replies: 13
Views: 1128

Re: Balancing the Same Funds Across Taxable/Tax Deferred Accounts

I am planning to keep these accounts forever so TLH will probably be in the picture at some point. OK, but that's not a problem. When I sell to tax-loss harvest, I can simply look to see if there will be a wash sale which takes less than a few seconds to determine. And if there will be a wash sale,...
by coffeecup333
Thu Mar 08, 2018 10:17 pm
Forum: Investing - Help with Personal Investments
Topic: Balancing the Same Funds Across Taxable/Tax Deferred Accounts
Replies: 13
Views: 1128

Re: Balancing the Same Funds Across Taxable/Tax Deferred Accounts

I'm glad there was no internet when I started investing in a taxable account. I just did it and didn't worry about anything. And it turned out there was nothing to worry about. Hint: An easy way to never create wash sales down the road is to never sell any shares for a loss in a taxable account. Th...
by coffeecup333
Thu Mar 08, 2018 10:12 pm
Forum: Investing - Help with Personal Investments
Topic: Balancing the Same Funds Across Taxable/Tax Deferred Accounts
Replies: 13
Views: 1128

Re: Balancing the Same Funds Across Taxable/Tax Deferred Accounts

It's a bit confusing. Generally, one of the benefits of having, say, all of your VTSAX in Roth and all of your VTIAX in taxable is that you then qualify for the admiral shares. For example, if you have $10k in each, you could have $5k Total Stock, $5k Total International in both accounts, but then ...
by coffeecup333
Thu Mar 08, 2018 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: Balancing the Same Funds Across Taxable/Tax Deferred Accounts
Replies: 13
Views: 1128

Balancing the Same Funds Across Taxable/Tax Deferred Accounts

After a year of understanding and creating an AA and balancing it across our tax deferred accounts, we've come to a point we can open a taxable and put some money into it monthly. I've spent weeks reading about tax loss harvesting and the international tax credit that's possible with keeping the Tot...
by coffeecup333
Fri Feb 16, 2018 9:06 pm
Forum: Investing - Help with Personal Investments
Topic: Going from non-admiral funds to admiral
Replies: 14
Views: 1543

Re: Going from non-admiral funds to admiral

I just did this with my account but the Vanguard representative had me sell and rebuy to get to Admiral shares for my Roth. Is there a problem with this vs. converting with the Admiral button?
by coffeecup333
Tue Feb 13, 2018 8:48 am
Forum: Investing - Help with Personal Investments
Topic: Abroad and what to do....
Replies: 9
Views: 1175

Re: Abroad and what to do....

(I did some editing for readability.) Trying to post this again. We are trying to minimize the ERs across all the accounts. Although they are not bad at all compared to other plans, they are more than Vanguard's. The other options in the 457b account are: the international index at .39% ER, trackin...
by coffeecup333
Sat Feb 03, 2018 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: Abroad and what to do....
Replies: 9
Views: 1175

Re: Abroad and what to do....

Can we have a listing of the 457b investment options? That is the biggest portion, and a potential location of the bond. Trying to post this again....We are trying to minimize the ERs across all the accounts so though they are not bad at all compared to other plans, they are more than Vanguard's. B...
by coffeecup333
Sat Feb 03, 2018 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: Abroad and what to do....
Replies: 9
Views: 1175

Re: Abroad and what to do....

Congrats on the opportunity to work abroad. Before contributing to IRAs, please please consult with an expat tax specialist - it's very complicated. Given the short tume frame, I'd pay down the mortgage. We are actually talking to our accountant but we just wanted to get another perspective with ev...
by coffeecup333
Fri Feb 02, 2018 7:42 am
Forum: Investing - Help with Personal Investments
Topic: Abroad and what to do....
Replies: 9
Views: 1175

Re: Abroad and what to do....

Congrats on the opportunity to work abroad. Before contributing to IRAs, please please consult with an expat tax specialist - it's very complicated. Given the short tume frame, I'd pay down the mortgage. We are actually talking to our accountant but we just wanted to get another perspective with ev...
by coffeecup333
Wed Jan 31, 2018 9:59 pm
Forum: Investing - Help with Personal Investments
Topic: Abroad and what to do....
Replies: 9
Views: 1175

Abroad and what to do....

Hi All, We are looking at a 70/30 AA (with 30% international and 40% domestic) at 35 and 40 years old We have the following breakdown for our accounts Roth IRA -4.47% Traditional IRA-1.60% Husband's Roth-6.180% Husband's annuity-3.97% (Vanguard Small Cap index Investor shares)-can not contribute any...
by coffeecup333
Tue Jul 18, 2017 11:38 pm
Forum: Personal Finance (Not Investing)
Topic: Reducing Monthly Interest Payments with a HELOC?
Replies: 10
Views: 1500

Re: Reducing Monthly Interest Payments with a HELOC?

Thank you for your thoughtful response! Seeing the math broken down made this whole decision much clearer. It seems we are not looking at the right vehicle for what we want to do.
by coffeecup333
Thu Jul 13, 2017 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: Reducing Monthly Interest Payments with a HELOC?
Replies: 10
Views: 1500

Re: Reducing Monthly Interest Payments with a HELOC?

jimb_fromATL, Thank you also for pointing out that the HELOC may have to be paid in full if our residence is converted into a rental. I will have to look more into this with the bank we are considering. And to answer your question, the money to pay off the balance in 3 years would come from our savi...
by coffeecup333
Thu Jul 13, 2017 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: Reducing Monthly Interest Payments with a HELOC?
Replies: 10
Views: 1500

Re: Reducing Monthly Interest Payments with a HELOC?

IMO it is not clear whether you're planning to borrow enough to pay off the first mortgage, or just to reduce the balance by the amount you borrow with a HELOC. Part of my confusion is that you discuss interest-only payments , but that does not pay down the debt on the HELOC. It also means you will...
by coffeecup333
Thu Jul 13, 2017 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Reducing Monthly Interest Payments with a HELOC?
Replies: 10
Views: 1500

Re: Reducing Monthly Interest Payments with a HELOC?

The HELOC interest would be deductible up to $100K borrowed plus any amount used to refinance a primary mortgage), but this probably isn't a good deal because the interest rate is variable. You could refinance to a 15-year fixed-rate mortgage at about the same rate and make the bank take the intere...
by coffeecup333
Wed Jul 12, 2017 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: Reducing Monthly Interest Payments with a HELOC?
Replies: 10
Views: 1500

Reducing Monthly Interest Payments with a HELOC?

Hello all, We are thinking of taking out a HELOC because the interest rate quoted to us at the moment is 3.18%. We currently have a fixed rate mortgage at 4.375%. When breaking out our current monthly mortgage payments into the interest and principle portions, we realize we can lower the interest po...
by coffeecup333
Wed Jun 21, 2017 10:14 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Virtual online chapter - Master thread]
Replies: 107
Views: 20961

Re: Online group meetings via web conference? [Virtual online chapter]

Just discovered this and seems I missed the first meeting. Would love to join.
Are there any resources that could be shared from tonight's meeting? Thanks for the great idea!
by coffeecup333
Wed May 31, 2017 10:52 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation Help Across His/Hers Accounts
Replies: 4
Views: 723

Re: Allocation Help Across His/Hers Accounts

Our thinking is that the target date funds all across the board would give the same returns where as if we had many "eggs in the basket", maybe mixing the options available or creating a 3 or 4 fund portfolio from them may give different returns (especially as the AA we settled on is 70/30 and the t...
by coffeecup333
Tue May 23, 2017 9:57 pm
Forum: Investing - Theory, News & General
Topic: NYC Employee Retirement Funds
Replies: 7
Views: 1934

Re: NYC Employee Retirement Funds

I stumbled across this post after many long hours of trying to make sense of these same funds. Unfortunately, NYC deferred comp still seems to be of no help :confused I'm hoping by now you were able to shed some light on these options. We are trying to manage all the tax advantaged/tax deferred opti...
by coffeecup333
Mon May 22, 2017 11:47 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation Help Across His/Hers Accounts
Replies: 4
Views: 723

Allocation Help Across His/Hers Accounts

My husband has contributed to a pretax 457b target date fund since he started working with his employer 12 years ago and has a current balance of $130,000+. It is all being put into a "through" target date fund 2035. He is 39 years old and is planning to retire at 52 years old in 2030 as a law enfor...