Search found 764 matches

by TwstdSista
Sun May 20, 2018 5:51 am
Forum: Investing - Help with Personal Investments
Topic: Investment allocation
Replies: 13
Views: 563

Re: Investment allocation

You should just have one asset allocation which should be considered across all accounts as a whole, instead of as individual accounts. For example: You might hold a Total Stock Market Index Fund and a Total Bond Index fund in your 401k, while holdings a Total International Fund in your Roth IRA. 40...
by TwstdSista
Wed May 16, 2018 6:33 pm
Forum: Investing - Help with Personal Investments
Topic: Titling of joint taxable account w/spouse in community property state?
Replies: 9
Views: 561

Re: Titling of joint taxable account w/spouse in community property state?

In my state (not Texas) Tenants In Common and Joint Tenants with Rights of Survivorship both solely refer to how assets are dealt with upon death. In life, both TIC and JTWROS mean joint ownership. At death, a TIC asset is owned 50% by the estate (and thus heirs) of deceased owner and 50% by the sur...
by TwstdSista
Tue May 08, 2018 4:37 am
Forum: Investing - Theory, News & General
Topic: Why do so many Americans not own stocks?
Replies: 44
Views: 3518

Re: Why do so many Americans not own stocks?

Some people simply can't. Imagine living on minimum wage, or even $15/hour. Even a two earner couple. Then add kids, childcare, etc. Some people make bad choices. Must have the latest iPhone, iPad, car, eats out for every meal, buys coffee from DD/Sbux several times a day, frequents bars/night clubs...
by TwstdSista
Sun May 06, 2018 2:22 pm
Forum: Investing - Help with Personal Investments
Topic: Mobile Deposit Gone Wrong
Replies: 19
Views: 2719

Re: Mobile Deposit Gone Wrong

My mom had a deposit go "missing" recently -- turns out it landed in her savings account instead.

Not that you didn't check there already, just throwing this out there as a PSA (public service announcement) for others....
by TwstdSista
Fri May 04, 2018 3:54 am
Forum: Investing - Help with Personal Investments
Topic: Need help combining and focusing multiple accounts
Replies: 4
Views: 380

Re: Need help combining and focusing multiple accounts

You're still missing some vital info. What tax bracket are you in? What is the approximate value of your overall portfolio? What are the expense ratios on those funds? What are the options available in your current 401k (fund names and expense ratios)? Also, your percentages should add up to 100% ac...
by TwstdSista
Fri May 04, 2018 3:24 am
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 310
Views: 30185

Re: Post your Financial Milestone Announcements Here

Fully contributed and invested the husband's 2018 Roth last month and then earned $2.16 in interest on May 1. Put in an order to buy $2.16 of our TSM (total stock market) fund.
by TwstdSista
Fri May 04, 2018 3:22 am
Forum: Investing - Help with Personal Investments
Topic: former employer 410K to Rollover IRA Vs current employer
Replies: 7
Views: 593

Re: former employer 410K to Rollover IRA Vs current employer

I would invest my international allocation in Vanguard Total International Stock Index Fund @ VTSNX @ .09 without missing a beat -- great fund!
by TwstdSista
Fri May 04, 2018 2:49 am
Forum: Investing - Help with Personal Investments
Topic: Max out 401K with Empower or open a separate IRA
Replies: 19
Views: 1417

Re: Max out 401K with Empower or open a separate IRA

At 38, 20% bonds is a good choice. A Roth does not make sense if your home country will tax it -- good call.

As for the mid-cap tilt, I'm just not a fan. I like simple. And I'd rather tilt solely to small caps if I was inclined towards a tilt. If this plan work for you, that's perfectly fine.
by TwstdSista
Fri May 04, 2018 2:32 am
Forum: Investing - Help with Personal Investments
Topic: Way behind on Retirement - advice desired
Replies: 15
Views: 2502

Re: Way behind on Retirement - advice desired

The "boglehead" mutual funds at Schwab are: Schwab Total Stock Market Index Fund (SWTSX) ER 0.03% Schwab International Market Index Fund (SWISX) ER 0.06% Schwab US Aggregate Bond Index Fund (SWAGX) ER 0.04% Their international fund is not a "total international" fund, but it covers a majority of the...
by TwstdSista
Fri May 04, 2018 2:22 am
Forum: Investing - Help with Personal Investments
Topic: Max out 401K with Empower or open a separate IRA
Replies: 19
Views: 1417

Re: Max out 401K with Empower or open a separate IRA

I'd probably just go with the Institutional index and skip the Extended Market fund for simplicity. Or set them up at approximately 80/20 -- you're at 55/45 so there's also a large Mid Cap tilt. 20% bonds is good, unless retirement is next year -- I don't see your age anywhere. How about a Roth IRA ...
by TwstdSista
Thu May 03, 2018 4:21 am
Forum: Investing - Help with Personal Investments
Topic: How are you widow-proofing?
Replies: 35
Views: 4441

Re: How are you widow-proofing?

We do an end-of-month balance sheet every month and our percentages automatically get calculated within that document. The husband is smart enough to figure it out from there. Plus it will simplify even more once he transfers everything into his own name. But he is not likely to survive me. (giggle!)
by TwstdSista
Thu May 03, 2018 2:47 am
Forum: Investing - Help with Personal Investments
Topic: former employer 410K to Rollover IRA Vs current employer
Replies: 7
Views: 593

Re: former employer 410K to Rollover IRA Vs current employer

Your best options are:
VIIIX @ Vanguard Institutional Index @ .02%
VIEIX @ Vanguard Extended Market Index Instl @ .06%
VBTIX @ Vanguard Total Bond Market Ind @ .04%

Are there any low expense ratio international funds?
by TwstdSista
Wed May 02, 2018 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: Overinvested in my company's stock, how to correct?
Replies: 5
Views: 942

Re: Overinvested in my company's stock, how to correct?

Ah yes, at that income and tax bracket your original plan sounds good!
by TwstdSista
Wed May 02, 2018 4:51 am
Forum: Investing - Help with Personal Investments
Topic: Overinvested in my company's stock, how to correct?
Replies: 5
Views: 942

Re: Overinvested in my company's stock, how to correct?

Depending on your tax bracket, it might make sense to wait until you've held some of the shares for 1 year (long term).
by TwstdSista
Sun Apr 29, 2018 10:19 am
Forum: Investing - Help with Personal Investments
Topic: VTSAX or ? [Vanguard Total Stock Market Index]
Replies: 66
Views: 6586

Re: VTSAX or ? [Vanguard Total Stock Market Index]

FYI -- A possible alternative to a spreadsheet: 403b: $71,524 (28.82%) her IRA - $145,505 (58.63%) his IRA - $31,125 (12.54%) Total = $248,154 (100%) Divide a single account by the total for percentages per account. 70/30 with 30% international = 49% total US stock, 21% total international, 30% bond...
by TwstdSista
Sun Apr 29, 2018 10:04 am
Forum: Investing - Help with Personal Investments
Topic: VTSAX or ? [Vanguard Total Stock Market Index]
Replies: 66
Views: 6586

Re: VTSAX or ? [Vanguard Total Stock Market Index]

Your 403b and IRAs are all traditional -- a target date fund for all is perfect for you.

ERs lower than 0.20% are absolutely acceptable! (the difference is minimal)
by TwstdSista
Sun Apr 29, 2018 8:42 am
Forum: Investing - Help with Personal Investments
Topic: VTSAX or ? [Vanguard Total Stock Market Index]
Replies: 66
Views: 6586

Re: VTSAX or ?

OK, assuming I move everything to Vanguard, and I'd like to invest in Vanguard Target Fund 2035, VTIAX and VSMPX and I want 70/30. How would you split this up? Here is what I will have: 403b: $71,524 (Vanguard) her IRA - $145,505 (Vanguard) his IRA - $31,125 (Vanguard) Am I going to miss out on any...
by TwstdSista
Sun Apr 29, 2018 7:56 am
Forum: Investing - Help with Personal Investments
Topic: VTSAX or ? [Vanguard Total Stock Market Index]
Replies: 66
Views: 6586

Re: VTSAX or ?

If the Target fund is a Vanguard fund, then it's a great choice.

VGTSX = VTIAX with a slightly higher ER -- good enough choice.
VSMPX = VTSAX with a lower ER -- great choice.

I know nothing about annuities.
by TwstdSista
Sat Apr 28, 2018 5:43 pm
Forum: Investing - Help with Personal Investments
Topic: VTSAX or ? [Vanguard Total Stock Market Index]
Replies: 66
Views: 6586

Re: VTSAX or ?

Just switch: TIAA-CREF Equity Index Fund (Institutional) (TIEIX) 0.05% for VTSAX and TIAA-CREF International Equity Index Fund (Institutional) (TCIEX) 0.06% for VTIAX. I know nothing about 403b accounts in particular and cannot advise you as to which might be a better option. Switching to Vanguard m...
by TwstdSista
Sat Apr 28, 2018 6:50 am
Forum: Investing - Help with Personal Investments
Topic: VTSAX or ? [Vanguard Total Stock Market Index]
Replies: 66
Views: 6586

Re: VTSAX or ?

70/30: 403b 2 7.61% TIAA-CREF Equity Index Fund (Institutional) (TIEIX) 0.05% 21.37% TIAA-CREF International Equity Index Fund (Institutional) (TCIEX) 0.06% Her IRA 28.28% Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) ER 0.04% 29.59% Vanguard Total Bond Market Index Fund Admiral Shar...
by TwstdSista
Sat Apr 28, 2018 3:08 am
Forum: Investing - Help with Personal Investments
Topic: VTSAX or ? [Vanguard Total Stock Market Index]
Replies: 66
Views: 6586

Re: VTSAX or ?

Rolling 403b 1 in your tIRA, here is an 85/15 allocation (with 30% of equities in international): 403b 2 14.19% TIAA-CREF International Equity Index Fund (Institutional) (TCIEX) 0.06% 15.21% TIAA-CREF Bond Index Fund (Institutional) (TBIIX) 0.12% Her IRA 46.36% Vanguard Total Stock Market Index Fund...
by TwstdSista
Sun Apr 22, 2018 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: SEP-IRA questions
Replies: 2
Views: 276

Re: SEP-IRA questions

Check credit unions? Mine has them, but not the best interest rates.
by TwstdSista
Sun Apr 22, 2018 5:08 am
Forum: Investing - Help with Personal Investments
Topic: VTSAX or ? [Vanguard Total Stock Market Index]
Replies: 66
Views: 6586

Re: VTSAX or ?

I'm thinking of not rolling my 401b 2 into 401b 1 because there are different rules in that plan and that would mean that I would not be able to get at that money until I quit working for this employer (this may or may not be an issue). I'm thinking of rolling it into my Vanguard IRA. Is that a bad...
by TwstdSista
Sun Apr 22, 2018 5:00 am
Forum: Investing - Help with Personal Investments
Topic: Retirement Planning for Health Care Costs
Replies: 22
Views: 2149

Re: Retirement Planning for Health Care Costs

At 62 and 65 years old, you will not yet qualify for Medicare. Absent ACA subsidies, or a change in US healthcare, you can expect to pay approximately $25000/year for health insurance premiums (using 2018 marketplace numbers). Then there will be deductibles and co-pays. The husband and I are late 40...
by TwstdSista
Sat Apr 21, 2018 6:07 am
Forum: Personal Finance (Not Investing)
Topic: When can you buy TurboTax for 2018 tax year?
Replies: 11
Views: 1233

Re: When can you buy TurboTax for 2018 tax year?

Do any of the 2018 tax calculators available address the 20% pass-through deduction yet?
by TwstdSista
Wed Apr 18, 2018 4:43 am
Forum: Investing - Help with Personal Investments
Topic: Need help with where to invest with 2017 IRA contribution
Replies: 2
Views: 444

Re: Need help with where to invest with 2017 IRA contribution

A total stock market index fund. Think of your portfolio as a single unit. So all percentages should add up to 100% across all accounts. For example: 401k 50% total stock market index fund 20% total bond market index fund IRA 30% total international market index fund (fyi, the three types of funds i...
by TwstdSista
Wed Apr 18, 2018 4:35 am
Forum: Investing - Help with Personal Investments
Topic: Help with Personal Investments, thanks for LOOKING!
Replies: 14
Views: 2010

Re: Help with Personal Investments, thanks for LOOKING!

Too many funds, and any ERs over 0.20% are generally too expensive.
by TwstdSista
Sat Apr 14, 2018 4:55 am
Forum: Investing - Help with Personal Investments
Topic: Is an 80/20 Asset Allocation Appropriate?
Replies: 20
Views: 2560

Re: Is an 80/20 Asset Allocation Appropriate?

I agree that 80/20 is rather aggressive for your age. And for your asset level. But if you and your spouse can "sleep at night", then who are we to say?

(For comparison: The husband and I are ten years younger than you and our portfolio is 1/3 the size of yours -- we are 70/30).
by TwstdSista
Sat Apr 14, 2018 4:53 am
Forum: Investing - Help with Personal Investments
Topic: Solo 401K with E-trade or Vanguard?
Replies: 13
Views: 1131

Re: Solo 401K with E-trade or Vanguard?

Schwab Total Stock Market Index Fund (SWTSX) ER 0.03% is a fantastic choice! The only problem with the Schwab funds is their international fund (Schwab International Market Index Fund (SWISX) ER 0.06%) which is not a "total" international fund. However it does cover the majority of international sto...
by TwstdSista
Sat Apr 14, 2018 4:49 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs Independent Certified Financial Planner
Replies: 15
Views: 1457

Re: Vanguard vs Independent Certified Financial Planner

Re: Edward Jones -- keep in mind that there will likely be trade fees to get out of the funds that account is currently in. These fees may be higher or lower at EJ vs. VG (this requires some homework on your part). Re: real estate -- you have a lot of exposure to real estate through your total stock...
by TwstdSista
Sat Apr 14, 2018 3:54 am
Forum: Investing - Help with Personal Investments
Topic: How to transition to a new asset allocation?
Replies: 8
Views: 650

Re: How to transition to a new asset allocation?

Every time I DCA, I wish I'd lump summed. And every time I lump sum, I wish I'd DCA'd. But with lump summing, it's done and over with and I can just move on to other things. This is usually with new contributions. Lump sum wins -- especially since you're already in the market and just making a sidew...
by TwstdSista
Fri Apr 13, 2018 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: Fund to pick for Roth IRA
Replies: 5
Views: 556

Re: Fund to pick for Roth IRA

Our Roths are also at Fidelity invested in:

Fidelity Total Stock Market Index Fund Premium Class (FSTVX) ER 0.035%
Fidelity Total International Market Index Fund Premium Class (FTIPX) ER 0.10%
by TwstdSista
Fri Apr 13, 2018 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: VTSAX or ? [Vanguard Total Stock Market Index]
Replies: 66
Views: 6586

Re: VTSAX or ?

The Lifecycle fund has a great ER, but will include total stock market as well as the other two funds.

I like the individual funds for myself, because we have five accounts to balance across. It's easier for me, personally.

Do what works for you!
by TwstdSista
Fri Apr 13, 2018 4:33 am
Forum: Investing - Help with Personal Investments
Topic: Solo 401K with E-trade or Vanguard?
Replies: 13
Views: 1131

Re: Solo 401K with E-trade or Vanguard?

Are you certain VG will charge you $7 to trade their own fund? That's a bit unusual. (Although my experience is at Fidelity -- they have never charged my for buying a Fidelity fund)

Regardless, E-Trade is the clear winner here.
by TwstdSista
Thu Apr 12, 2018 9:35 am
Forum: Investing - Help with Personal Investments
Topic: Beginner @ 46, so much to learn.
Replies: 25
Views: 3914

Re: Beginner @ 46, so much to learn.

I am about to open a Roth IRA today. I'm probably going to open it at Fidelity, due to the website's ease of use, high-ranking customer service and available tools online. I'm planning on reading John Bogle's "The Little Book of Common Sense Investing" before I start allocating my investments. Does...
by TwstdSista
Thu Apr 12, 2018 8:35 am
Forum: Investing - Help with Personal Investments
Topic: Solo 401k vs SEP vs backdoor Roth
Replies: 5
Views: 250

Re: Solo 401k vs SEP vs backdoor Roth

You've got it right -- solo 401k is the right choice, for the same reasons you stated.

(FYI, Vanguard's solo 401k does not allow you to invest in Admiral shares)
by TwstdSista
Thu Apr 12, 2018 6:33 am
Forum: Personal Finance (Not Investing)
Topic: Title company hasn't sent refund
Replies: 1
Views: 227

Re: Title company hasn't sent refund

Absolutely contact them yourself. My personal experience with realtors is that they only care about their commission check. Your realtor may be different, but no one has an interest in your money more than you do. And no one will harass them for it (if necessary) like you can.
by TwstdSista
Thu Apr 12, 2018 3:44 am
Forum: Investing - Help with Personal Investments
Topic: Why traditional IRA better than Roth IRA
Replies: 87
Views: 7323

Re: Why traditional IRA better than Roth IRA

We prefer Roth since we *might* move up a tax bracket. SS payments of approximately $48000 plus me still working part-time for another $50000. Still in the 12-15% tax bracket, but add RMDs of $35000 and we could jump up. It all depends on what tax rates and brackets are in 20-25 years. (are Medicare...
by TwstdSista
Thu Apr 12, 2018 2:18 am
Forum: Personal Finance (Not Investing)
Topic: How much does each dollar you contribute into a Solo 401k save you in taxes?
Replies: 6
Views: 624

Re: How much does each dollar you contribute into a Solo 401k save you in taxes?

^ Exactly that.

Another example: I'm in the 12% tax bracket. I will contribute $6000 to my solo 401k this year. This reduces my income by $6000 and saves me $720 in taxes ($6000 x 0.12).
by TwstdSista
Tue Apr 10, 2018 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: Longterm Capital Gains when moving portfolio to Vanguard?
Replies: 9
Views: 780

Re: Longterm Capital Gains when moving portfolio to Vanguard?

You work part-time and don't mention health insurance. Keep in mind that increasing your AGI could result in no longer qualifying for ACA subsidies. (In case that's an issue for you).
by TwstdSista
Mon Apr 09, 2018 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: $10K as a sole proprietor; how to invest?
Replies: 18
Views: 1943

Re: $10K as a sole proprietor; how to invest?

I think they're saying that Nancy can use the SEP IRA as a traditional IRA making traditional contributions in additional to SEP employer contributions. Since Traditional and Roth contributions combined are $5500/year, if she's made $5500 in traditional contributions to her SEP IRA, then she cannot ...
by TwstdSista
Mon Apr 09, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: And yet another example why Vanguard is a 4th tier firm in regard to customer service…
Replies: 20
Views: 1879

Re: And yet another example why Vanguard if a 4th tier firm in regard to customer service…

Fidelity doesn't allow for special character passwords. (Or at least didn't the last time I changed my password).

No one company is perfect.
by TwstdSista
Mon Apr 09, 2018 4:27 pm
Forum: Investing - Help with Personal Investments
Topic: For i401k, Vanguard does not allow investment into Admiral Shares
Replies: 16
Views: 625

Re: For i401k, Vanguard does not allow investment into Admiral Shares

Does ETrade charge trade fees to buy Fidelity, Schwab or Vanguard funds?
by TwstdSista
Mon Apr 09, 2018 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: For i401k, Vanguard does not allow investment into Admiral Shares
Replies: 16
Views: 625

Re: For i401k, Vanguard does not allow investment into Admiral Shares

Thanks for sharing this info about Fidelity. I'm so used ot everything defaulting to Vanguard in here I assumed they would also offer the lowest fees for an i401k. Someone elso mentioned Schwab's i401k program allowing me to roll my SEP into the i401k. Wondering if Fidelity would allow that as well...
by TwstdSista
Mon Apr 09, 2018 7:59 am
Forum: Investing - Help with Personal Investments
Topic: Taxable or backdoor Roth?
Replies: 20
Views: 879

Re: Taxable or backdoor Roth?

I'm actually not a good person to ask about specifics for a Backdoor Roth and Roth Conversions. (the husband and I can contribute directly to Roths, so it hasn't been an issue for us). Check out the wiki: https://www.bogleheads.org/wiki/Backdoor_Roth_IRA https://www.bogleheads.org/wiki/Roth_IRA_conv...
by TwstdSista
Mon Apr 09, 2018 7:18 am
Forum: Investing - Help with Personal Investments
Topic: Taxable or backdoor Roth?
Replies: 20
Views: 879

Re: Taxable or backdoor Roth?

Rollover IRAs will trigger the pro rata rule for a Backdoor Roth. If the amounts aren't too significant for either or both of you, consider a Roth conversion. Or if your current 401k plan(s) accept incoming funds from a Rollover, and the fees aren't terrible in the current 401k plan(s), then conside...
by TwstdSista
Mon Apr 09, 2018 6:48 am
Forum: Personal Consumer Issues
Topic: Would you pay off the student loan or keep the $$$
Replies: 48
Views: 2276

Re: Would you pay off the student loan or keep the $$$

Car loans are 2% ish these days. I'd pay off the student loan, then hold out as long as a could for the cash towards a new car, with the fall back of being able to finance a portion of the new car purchase at a lower rate.
by TwstdSista
Sun Apr 08, 2018 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Structuring Newlywed Finances for Fairness and Less Arguments
Replies: 84
Views: 6302

Re: Structuring Newlywed Finances for Fairness and Less Arguments

We have been married 37 years and agree with nearly everything posted here. Due to the nature of our chosen professions, I have had a significantly higher income (more than double) than DH over the years and work significantly more hours. However, our money has always been joint and no decision are...
by TwstdSista
Sun Apr 08, 2018 1:08 pm
Forum: Investing - Help with Personal Investments
Topic: Rehabbing My Retirement Account
Replies: 6
Views: 592

Re: Rehabbing My Retirement Account

A google search comes up with: Vanguard Real Estate Index Fund Investor Shares (VGSIX), ER 0.26% Vanguard Inflation-Protected Securities Fund Investor Shares (VIPSX), ER 0.20% But I don't now much about either of these funds (or their underlying securities), so I'm not one to give advice on them. Pe...
by TwstdSista
Sun Apr 08, 2018 11:44 am
Forum: Investing - Help with Personal Investments
Topic: Max out 401k or pay off mortgage?
Replies: 18
Views: 1105

Re: Max out 401k or pay off mortgage?

Max 401k first, then house.