Search found 1888 matches

by ExitStageLeft
Wed May 13, 2020 5:48 pm
Forum: Personal Investments
Topic: Help needed on portfolio (75 y.o. family member)
Replies: 12
Views: 843

Re: Help needed on portfolio (75 y.o. family member)

Some of the brokerages offer bonuses like 10 commission-free transactions if you transfer assets over to them. Her total asset value isn't all that much, so that may be difficult to swing but worth looking into. Also worth exploring whether she is getting full Social Security benefits she is entitle...
by ExitStageLeft
Wed May 13, 2020 2:27 pm
Forum: Investing - Theory, News & General
Topic: New era for TSP "I" Fund?
Replies: 119
Views: 17176

Re: New era for TSP "I" Fund?

Separate but somewhat related topic/question: I initially rolled a six figure sum into my TSP from a 401k a couple years ago. Can I roll back from TSP to Rollover IRA while still contributing to TSP (i.e., not retired)? From what I can tell, TSP does not permit rollovers unless one leaves federal s...
by ExitStageLeft
Wed May 06, 2020 11:17 am
Forum: Personal Investments
Topic: Help: Rebalance 401K Plan from previous employer
Replies: 12
Views: 513

Re: Help: Rebalance 401K Plan from previous employer

There generally is a large amount of overlap between mid-cap and small-cap index funds, such that returns with the mid-cap are indistinguishable from those without. With the ratio you have between VINIX and VSMAX you are slightly underweight in small caps. If you want to get precise you would do bet...
by ExitStageLeft
Wed Apr 22, 2020 7:21 pm
Forum: Personal Investments
Topic: Scenario
Replies: 2
Views: 251

Re: Scenario

Welcome to the forum!

I agree, there's so much we don't know. If you update your post as suggested, we can give you some targeted specific advice. Otherwise, you can't go wrong acquainting yourself with the information in the wiki: https://www.bogleheads.org/wiki/Getting_started
by ExitStageLeft
Thu Apr 09, 2020 11:11 am
Forum: Personal Investments
Topic: Complete amateur with advisor problems
Replies: 21
Views: 1865

Re: Complete amateur with advisor problems

Welcome to the forum and congratulations on recognizing the hazards of Edward Jones. It looks like you and your spouse are in good shape. Now is an excellent time to pause and reflect on the importance of looking after your money yourself. As mentioned above, the Bogleheads wiki has an immense amoun...
by ExitStageLeft
Mon Apr 06, 2020 8:50 pm
Forum: Personal Investments
Topic: Portfolio Review—analysis paralysis
Replies: 7
Views: 609

Re: Portfolio Review—analysis paralysis

It's easy to get stuck in analysis, been there. I would have her draft an IPS, perhaps with your help, that captures her goals and will be simple to implement. Then implement it. You won't know until after the fact which of the 10,000 possible plan variations will be the best one. So chart a course ...
by ExitStageLeft
Fri Mar 27, 2020 10:23 am
Forum: Personal Investments
Topic: TSP allowing more than two interfund transfers per month?
Replies: 20
Views: 1408

Re: TSP allowing more than two interfund transfers per month?

I have only made two interfund transfers this month, and they did not happen quickly. I posted my second request on a Friday and received notification the following Tuesday. Timing wasn't a concern for me, but I suspect the TSP is processing a lot of transfers and it may be a challenge having it tak...
by ExitStageLeft
Mon Mar 16, 2020 1:17 pm
Forum: Personal Investments
Topic: Roth IRA non-working spouse
Replies: 14
Views: 604

Re: Roth IRA non-working spouse

KingRiggs wrote:
Sun Mar 15, 2020 7:07 pm
ExitStageLeft wrote:
Sun Mar 15, 2020 3:15 pm


If MAGI exceeds $203k then neither of you can contribute to a Roth IRA for 2019.
Except through the backdoor Roth maneuver, of course.
Yes indeed, I should have typed "directly" in that sentence.
by ExitStageLeft
Sun Mar 15, 2020 3:30 pm
Forum: Personal Investments
Topic: 4 weeks ago I googled "Can I manage my own investments?" .... Mind blown!
Replies: 7
Views: 1227

Re: 4 weeks ago I googled "Can I manage my own investments?" .... Mind blown!

Welcome to the forum! You've got this. It's important not to get anxious and make rash decisions, so take your time and plot your course. Understanding your tax situation is a big part of it, so the extent to which you can limit the number of sales the better off you'll be. I would call Schwab and a...
by ExitStageLeft
Sun Mar 15, 2020 3:15 pm
Forum: Personal Investments
Topic: Roth IRA non-working spouse
Replies: 14
Views: 604

Re: Roth IRA non-working spouse

Hopefully it's just a misunderstanding and/or something got lost in the communication. But I agree with the posters above that this should not be something that your CPA is confused about. Spousal IRAs have been a thing and as long as your MAGI is above $12k and below $193k then you both can contrib...
by ExitStageLeft
Sat Mar 14, 2020 3:46 pm
Forum: Personal Investments
Topic: Building my 3-Funds: TBM, G fund or F fund?
Replies: 21
Views: 1295

Re: Building my 3-Funds: TBM, G fund or F fund?

tomwood wrote:
Sat Mar 14, 2020 7:24 am
...
Thank you for your help.
How would you answer my updated question if my OP asked if I should be using F fund or G fund to build 3 fund portfolio?
The F fund is a drop-in replacement for BND, AGG, or VBTLX. If you want to match the lazy three-fund portfolio then you use F Fund.
by ExitStageLeft
Fri Mar 13, 2020 10:58 am
Forum: Personal Investments
Topic: What To Do With The 403b?
Replies: 3
Views: 185

Re: What To Do With The 403b?

First off, congratulations to your daughter for improving the return on her human capital. Secondly, the balance in the 403b is above $5k, so the old employer cannot force her to make an immediate decision. It can stay right where it's at for a few months or even a few years while she figures out wh...
by ExitStageLeft
Fri Mar 13, 2020 10:45 am
Forum: Personal Investments
Topic: TSP allowing more than two interfund transfers per month?
Replies: 20
Views: 1408

Re: TSP allowing more than two interfund transfers per month?

If you cannot do any more transfers, one workaround would be to shift contributions to only purchase C, S and I funds.
by ExitStageLeft
Fri Mar 13, 2020 10:43 am
Forum: Personal Investments
Topic: TSP allowing more than two interfund transfers per month?
Replies: 20
Views: 1408

Re: TSP allowing more than two interfund transfers per month?

It will be good to know, as I just did my first interfund transfer yesterday. I suspect the web interface may have allowed scheduling the transfer but the transfer itself will not be processed. Or perhaps it isn't being enforced. Please let us know when you get a notification that the transfer compl...
by ExitStageLeft
Fri Mar 13, 2020 10:40 am
Forum: Personal Investments
Topic: Please help me re-allocate my funds
Replies: 11
Views: 467

Re: Please help me re-allocate my funds

You've actually got a well-performing portfolio in spite of the high fund fees. Whether this particular combination will outperform index funds in the future remains to be seen. Your allocation to bonds is pretty conservative. A typical recommendation is for age-10 as a percentage, but it's a very p...
by ExitStageLeft
Fri Mar 13, 2020 1:34 am
Forum: Personal Investments
Topic: TSP Questions
Replies: 7
Views: 562

Re: TSP Questions

cresive wrote:
Thu Mar 12, 2020 3:49 pm
...
Also, how long does it take to change your asset allocation for new funds?
I'll get back to you if it is different, since I just re-balanced today. But as I recall it posts the following day, based on the prior day's closing price.
by ExitStageLeft
Thu Mar 12, 2020 10:51 am
Forum: Personal Investments
Topic: 401k Contributions, what would you choose?
Replies: 2
Views: 172

Re: 401k Contributions, what would you choose?

Your employer is doing you no favors with most of those offerings. I would stick with the large/small cap like you propose, in a 4:1 ratio. That's not necessarily an exact match for a market-weighted fund, but given that the market weights are always changing it's an easy to calculate approximation ...
by ExitStageLeft
Thu Mar 12, 2020 10:44 am
Forum: Personal Investments
Topic: Please help examine my portfolio
Replies: 6
Views: 235

Re: Please help examine my portfolio

Welcome to the forum! If you check out the wiki page on prioritizing investments it gives a good order. https://www.bogleheads.org/wiki/Prioritizing_investments Once you've gotten max employer contributions in your 403b you'll want to add to your IRA. It's a good idea to have tax diversity in your r...
by ExitStageLeft
Wed Mar 11, 2020 12:55 pm
Forum: Investing - Theory, News & General
Topic: Actual experience vs hypothetical scenarios
Replies: 46
Views: 3289

Re: Actual experience vs hypothetical scenarios

I'm much more calm now than I was in 2008, although there is much more at stake. I am within a year of retirement eligibility, so an extended bear market would be coming at the worst time with respect to decumulation and sequence risk. The reason for calm is that I have been reading Bogleheads for t...
by ExitStageLeft
Tue Mar 10, 2020 2:18 pm
Forum: Personal Investments
Topic: Asset Allocation Help
Replies: 7
Views: 640

Re: Asset Allocation Help

.. I noticed you said to rebalance His 401k to FTIHX/FXAIX/FSMAX, but for new contributions to only have “50% international index and 50% large cap index”, does that mean I should ignore FSMAX for new contributions in His 401k? And is that because the "60% small cap" new contributions in Her 457 wi...
by ExitStageLeft
Tue Mar 10, 2020 2:06 pm
Forum: Investing - Theory, News & General
Topic: Three Fund Vs Butterfly Fund or other
Replies: 151
Views: 10929

Re: Three Fund Vs Butterfly Fund or other

I am trying to be sanguine about the present market volatility, as I reach eligibility to retire in six months. Assuming DW and I go forward with retirement by the end of the year, we'll be looking at decumulation portfolio strategies, and the Permanent Portfolio is a rock in a sea of other options....
by ExitStageLeft
Tue Mar 10, 2020 1:07 am
Forum: Personal Investments
Topic: Asset Allocation Help
Replies: 7
Views: 640

Re: Asset Allocation Help

Welcome to the forum and congrats on having an excellent savings rate. A couple of things come to mind... 1) I take it you are doing Roth IRA contributions using the Backdoor Roth method? Based on your income levels, one or both of you are not able to contribute directly to a Roth IRA. If you're awa...
by ExitStageLeft
Tue Mar 10, 2020 12:25 am
Forum: Personal Investments
Topic: Moms retirement question, strapped
Replies: 12
Views: 1848

Re: Moms retirement question, strapped

Welcome to the forum! How much does she need to draw from her savings each year? That will influence how conservative her asset allocation should be. There is also the option of an Single Premium Immediate Annuity (SPIA). It's a better option in a high interest rate environment, but depending on you...
by ExitStageLeft
Mon Mar 09, 2020 7:11 pm
Forum: Investing - Theory, News & General
Topic: Three Fund Vs Butterfly Fund or other
Replies: 151
Views: 10929

Re: Three Fund Vs Butterfly Fund or other

I don't think there is a single great indicator of future returns, but if I were to look at only one metric, it would be the drawdown chart because at least it can show whether you'd even have the stomach to hold onto that asset in the first place. You make a good point. I think I agree with that. ...
by ExitStageLeft
Sun Mar 08, 2020 8:40 pm
Forum: Personal Investments
Topic: Building my 3-Funds: TBM, G fund or F fund?
Replies: 21
Views: 1295

Re: Building my 3-Funds: TBM, G fund or F fund?

It was mentioned above but I want to reiterate that the F fund is a total bond market fund. It tracks the Bloomberg Barclays U.S. Aggregate Bond Index, as do most other bond index funds. https://www.tsp.gov/InvestmentFunds/FundOptions/fundPerformance_F.html Does this mean my question is redundant t...
by ExitStageLeft
Sun Mar 08, 2020 11:44 am
Forum: Personal Investments
Topic: How Should I Invest for a Downpayment On a House
Replies: 4
Views: 431

Re: How Should I Invest for a Downpayment On a House

Welcome to the forum! Money needed for a specific purpose within the next five years is generally best kept out of the stock market, and maybe not even in bonds. If you are sure you will be buying a house in four years you will want to have all of that money available, not have a huge portion lost t...
by ExitStageLeft
Sun Mar 08, 2020 11:36 am
Forum: Personal Investments
Topic: Rebalance?
Replies: 2
Views: 303

Re: Rebalance?

I think I would pull the cash out of the portfolio calculation like you mentioned. Rebalance when the rest of the portfolio is off by 3% or when you're comfortable with your financial position that you want to put the cash back into the market.
by ExitStageLeft
Sun Mar 08, 2020 11:31 am
Forum: Personal Investments
Topic: How am I doing?
Replies: 6
Views: 689

Re: How am I doing?

It looks like you're doing great. I will echo Bear's comment about your spouse's financial condition as a survivor, or you as the surviving spouse. Will the housing needs change?
by ExitStageLeft
Sun Mar 08, 2020 11:23 am
Forum: Personal Investments
Topic: Asset Allocation Across 2 IRAs
Replies: 4
Views: 223

Re: Asset Allocation Across 2 IRAs

I would rebalance to whatever makes future rebalancing as simple as possible. You have 12 years before RMDs will kick in, and in IRAs you have the luxury of completely switching out asset types with no immediate tax consequences. When rebalancing across his and hers tax-deferred you can mirror or si...
by ExitStageLeft
Sun Mar 08, 2020 11:16 am
Forum: Personal Investments
Topic: TIAA Traditional: My Best "Bond" Fund?
Replies: 23
Views: 1762

Re: TIAA Traditional: My Best "Bond" Fund?

Tdubs wrote:
Sun Mar 08, 2020 10:50 am
...
Thoughts?
I have some friends that retired from careers as teachers and they love their TIAA traditional. My only thought is to make sure you have some asset you can readily liquidate if needed.
by ExitStageLeft
Sun Mar 08, 2020 11:13 am
Forum: Personal Investments
Topic: Need Some Fund Feedback
Replies: 4
Views: 305

Re: Need Some Fund Feedback

ExitStageLeft, thanks for being so detailed in your feedback. I've spent time this morning taking steps to make it happen, and trying to educate myself on the reason for putting funds in the various retirement plans. I'm getting there in my understanding of the basics of this personal finance/inves...
by ExitStageLeft
Sat Mar 07, 2020 8:40 pm
Forum: Personal Investments
Topic: Building my 3-Funds: TBM, G fund or F fund?
Replies: 21
Views: 1295

Re: Building my 3-Funds: TBM, G fund or F fund?

It was mentioned above but I want to reiterate that the F fund is a total bond market fund. It tracks the Bloomberg Barclays U.S. Aggregate Bond Index, as do most other bond index funds.

https://www.tsp.gov/InvestmentFunds/Fun ... nce_F.html
by ExitStageLeft
Sat Mar 07, 2020 8:20 pm
Forum: Personal Investments
Topic: Need Some Fund Feedback
Replies: 4
Views: 305

Re: Need Some Fund Feedback

... She will be opening a Roth in the coming days in which her 457b money will be invested. The CD listed above will be moved to a taxable account in Vanguard in August of 2020 Question: Currently my (his) 457b must stay with the state as I'm still working, but at my retirement I plan to roll it in...
by ExitStageLeft
Sat Mar 07, 2020 1:00 pm
Forum: Personal Investments
Topic: Help Rebalance Portfolio w/Bad 401k
Replies: 12
Views: 712

Re: Help Rebalance Portfolio w/Bad 401k

The simplest portfolio that I can see would involve having the TSP hold all bonds and the remainder be international. Consolidate where feasible, resulting in a portfolio that looks like: Her Thrift Savings Plan (44.0%) 30% Fixed Income Fund (F Fund) (0.041%) 14% International Stock Fund (I Fund) (0...
by ExitStageLeft
Fri Mar 06, 2020 5:32 pm
Forum: Personal Investments
Topic: Parents retiring with $500k saved - Things look OK?
Replies: 83
Views: 9910

Re: Parents retiring with $500k saved - Things look OK?

If their annual spend is accurate at $70k to $80k they should be fine. Running the numbers on FIRECalc.com shows an annual spend $78,118.
by ExitStageLeft
Fri Mar 06, 2020 4:17 pm
Forum: Personal Investments
Topic: Entry level question
Replies: 22
Views: 1371

Re: Entry level question

The annual limits for a 401k are distinct from the annual limits for an IRA. So you have $25,500 of tax-advantaged savings space for 2020, $19.5k for the 401k and $6k for the IRA. Edit to add: You should look at your individual tax situation to confirm how much you need tp put in tax-deferred to get...
by ExitStageLeft
Thu Mar 05, 2020 7:54 pm
Forum: Personal Investments
Topic: Newbie here: Please help me with 401k math
Replies: 24
Views: 1113

Re: Newbie here: Please help me with 401k math

… Okay, good to know re: withholding. I calculated my taxes using https://smartasset.com/taxes/income-taxes based on living in NY, NY. I'm not sure what you mean by inflation of tax brackets. Probably meant progressive nature of the brackets. Also, if you end up living elsewhere in retirement your ...
by ExitStageLeft
Thu Mar 05, 2020 7:47 pm
Forum: Personal Investments
Topic: Entry level question
Replies: 22
Views: 1371

Re: Entry level question

Filing Head of Household, standardized deduction is $18,650 (https://taxfoundation.org/2020-tax-brackets/) Annual salary = $78k If your 401k/457b contributions and your health care contribution add up to $7k that is enough to get you down to the 12% bracket. Income = $78k less payroll deductions = $...
by ExitStageLeft
Thu Mar 05, 2020 6:22 pm
Forum: Personal Investments
Topic: Entry level question
Replies: 22
Views: 1371

Re: Entry level question

... This is the link I was provided: https://www.savingsplusnow.com/iApp/tcm/savingsplusnow/enroll/index.jsp#tab2 The PDF link at "View fund performance" gives a good summary. Your index fund options are very good, with just a slight administrative expense. You can construct an excellent three-fund...
by ExitStageLeft
Thu Mar 05, 2020 5:46 pm
Forum: Personal Investments
Topic: Newbie here: Please help me with 401k math
Replies: 24
Views: 1113

Re: Newbie here: Please help me with 401k math

shlanky369 wrote:
Thu Mar 05, 2020 4:42 pm

Why would anyone do this?
What am I doing wrong here?
You are looking at taxes paid, not after-tax wealth. Run the numbers with the idea of maximizing after-tax wealth and see how it comes up.
by ExitStageLeft
Thu Mar 05, 2020 5:43 pm
Forum: Personal Investments
Topic: Portfolio Review
Replies: 14
Views: 880

Re: Portfolio Review

Your tax bracket puts you in that valley where there is no strong argument for or against Roth savings. Considering that you are saving over $60k per year into your retirement accounts, your Roth IRA contributions are 20% of that. From the standpoint of tax diversity, I would continue doing Roth con...
by ExitStageLeft
Thu Mar 05, 2020 5:21 pm
Forum: Personal Investments
Topic: Max out limited 401k or open IRA?
Replies: 6
Views: 183

Re: Max out limited 401k or open IRA?

As noted by others, the finer details may suggest a different plan, but a good first approximation would be to follow the guidance in the wiki: https://www.bogleheads.org/wiki/Priorit ... nvestments
by ExitStageLeft
Thu Mar 05, 2020 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: How to handle windfall for taxes and future
Replies: 13
Views: 1001

Re: How to handle windfall for taxes and future

To summarize the comments above, the best plan to accomplish your goals is to: 1) Roll the pension benefit into her IRA. 2) Dial back 401k contributions for a while and instead save those funds in your house downpayment fund. 3) Keep doing that for a couple of years. Meanwhile you have deferred taxe...
by ExitStageLeft
Thu Mar 05, 2020 3:58 pm
Forum: Personal Investments
Topic: Please help a newbie with investment
Replies: 10
Views: 368

Re: Please help a newbie with investment

Hi guys, I have around 1mil that I can put into stock. I don't have 401k and IRA (Gotta wait til next year) and putting all into regular taxable account (Vanguard) I make over 300k and will need to take a loan to open a practice within 2-3 years (May need emergency fund of 200 to 300k I think) Thus...
by ExitStageLeft
Thu Mar 05, 2020 3:47 pm
Forum: Personal Investments
Topic: Entry level question
Replies: 22
Views: 1371

Re: Entry level question

Welcome to the forum! It may be that you have more retirement savings options with your employer than you are presently aware of. If you tell us which state, and perhaps even which agency, we may be able to help you get dialed in. There a wealth of information available on the Bogleheads wiki page. ...
by ExitStageLeft
Thu Mar 05, 2020 3:25 pm
Forum: Personal Investments
Topic: Investing in Gold
Replies: 29
Views: 2240

Re: Investing in Gold

I don't own gold but if I did I would glance at IAU (fidelity ishares) or I suppose GLD I'll echo the sentiment and add in GLDM. It has the lowest expense ratio, I believe. I read a thread recently about gold where someone listed suitable funds. I'll post it if I can find it. Edit: https://www.bogl...
by ExitStageLeft
Wed Mar 04, 2020 9:58 pm
Forum: Investing - Theory, News & General
Topic: Portfolio Visualizer Backtests
Replies: 3
Views: 313

Re: Portfolio Visualizer Backtests

Welcome to the forum!

The issue you describe highlights how sensitive backtests are to start date. I love PV but it's important to keep in mind how mercurial the CAGR calculations are. I try to focus more on the Exposures tab as it is a quick way to drill into the guts of a fund or portfolio.
by ExitStageLeft
Wed Mar 04, 2020 9:47 pm
Forum: Investing - Theory, News & General
Topic: SCV premium
Replies: 87
Views: 4333

Re: SCV premium

rascott wrote: Link doesn't have any data..... Sorry, I tried to cut and paste the web page results but apparently PV doesn't allow it. Unfortunately you have to run the numbers for the two funds DFSVX and VFINX from 1993 - 2020 for yourself to get the graph and the numbers. Garland Whizzer PV allo...
by ExitStageLeft
Wed Mar 04, 2020 6:58 pm
Forum: Personal Investments
Topic: Retirement asset allocation/Suggestions
Replies: 9
Views: 890

Re: Retirement asset allocation/Suggestions

The funds are not identical so there will of course be some course of action that will have maximized gain or minimized loss. The problem is you don't know which, and can't know until after the fact. Since the funds are similar then you may as well take the simplest action and that is to sell all th...
by ExitStageLeft
Wed Mar 04, 2020 4:13 pm
Forum: Personal Investments
Topic: Questions on Optimizing Asset Location
Replies: 17
Views: 951

Re: Questions on Optimizing Asset Location

... 2) Should my bonds in the TSP G and F fund go in Roth or Traditional?  Currently my assets are located in Roth holdings....I don't think I can dictate that of the 19.5k, put X amount of G and F fund in Traditional TSP and the C, S, and I in Roth.....maybe someone more experienced with TSP can c...