Search found 1014 matches

by ExitStageLeft
Sun Jan 13, 2019 5:16 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation dilemma
Replies: 12
Views: 971

Re: Asset Allocation dilemma

It seems to me that either the index or PrimeCap fund would serve you well in the 401k. I think I would try to decide on one over the other, since there is so much overlap. The risk I see is having both in your portfolio and succumbing to a behavioral pitfall when one fund performs much better than ...
by ExitStageLeft
Wed Dec 26, 2018 3:28 pm
Forum: Investing - Help with Personal Investments
Topic: How to manage “uncertain” Roth eligibility years
Replies: 15
Views: 990

Re: How to manage “uncertain” Roth eligibility years

Welcome to the forum! If I were in your shoes, I think I would do back door Roth contributions. Even if you are still elegible in 2019 for Roth IRA contributions, there is nothing that prevents you from using the backdoor Roth method. Read up on the process at the wiki: https://www.bogleheads.org/wi...
by ExitStageLeft
Wed Dec 26, 2018 3:19 pm
Forum: Investing - Help with Personal Investments
Topic: Bond % in portfolio
Replies: 6
Views: 784

Re: Bond % in portfolio

OP's situation is much like mine. I'm a couple years from retirement and we have a 75/25 portfolio. We'll be shifting in January to 70/30 and continue building a bond tent for a couple years into retirement. if I were just starting out, I imagine i would have at most 10% bonds in my portfolio.
by ExitStageLeft
Wed Dec 26, 2018 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 8
Views: 543

Re: Portfolio Review

You're maxing out your contributions, which is awesome. Keep it up! It may be that a 90/10 portfolio isn't the right asset allocation for you, but you should take your time in figuring out if you need to make a fundamental change. Right now the market is just doing what it normally does. Your 401k g...
by ExitStageLeft
Fri Dec 21, 2018 9:30 pm
Forum: Investing - Help with Personal Investments
Topic: Little Lost
Replies: 14
Views: 1445

Re: Little Lost

Welcome to the forum! It's good to open your eyes and start the learning process. There's a lot of things to read up and learn about, so take your time. Probably the worst thing you could do right now is make a bad decision based on emotions. I think you would be well served to go slow, learn as you...
by ExitStageLeft
Fri Dec 21, 2018 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Fidelity 401(k) Investment Choices
Replies: 6
Views: 363

Re: Help with Fidelity 401(k) Investment Choices

With the BrokerageLink do you get expense ratios the same as the retail funds, or is there still a fee charged by the 401k plan? I believe the BrokerageLink gives you full acess to Fidelity's offerings, so you should increase your diversification by investing in a total stock market fund like FSTVX ...
by ExitStageLeft
Fri Dec 21, 2018 5:30 pm
Forum: Investing - Help with Personal Investments
Topic: Help w/Portfolio Update/Design
Replies: 8
Views: 611

Re: Help w/Portfolio Update/Design

You would probably improve the reply rate if you take a moment and edit your post to include the fund names in addition to the tickers. I recognize a couple but have no clue on most of them. Jumping stright to your questions, here are my thoughts: 1. Should I move 401(k) from previous employer into ...
by ExitStageLeft
Fri Dec 21, 2018 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: 401K allocation, fees, and options
Replies: 7
Views: 411

Re: 401K allocation, fees, and options

Welcome to the forum! First off, excellent job saving 15% of income in the 401k. With the 7% match that puts you on track to have a comfortable retirement, perhaps even allow for early retirement if you make a few tweaks. I definitely agree that you need to adjust your allocation to include more bon...
by ExitStageLeft
Thu Dec 20, 2018 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: First stab at index investing; thoughts on my portfolio
Replies: 11
Views: 868

Re: First stab at index investing; thoughts on my portfolio

Welcome to the forum! Congratulations on the steady employment and making the commitment to saving for your future. Many Bogleheads would probably opt for the international stocks and dispense with the REIT. But your choice is reasonable and the SFREX has a substantial amount of international equiti...
by ExitStageLeft
Wed Dec 19, 2018 4:35 pm
Forum: Investing - Help with Personal Investments
Topic: Three Fund question
Replies: 4
Views: 534

Re: Three Fund question

As long as the HSA has a large enough balance to cover the bond allocation that's a perfectly reasonable option. If the HSA is intended to be used in retirement, the ideal solution would be to have it hold the highest-yielding assets. That is because when you withdraw to cover a qualified medical ex...
by ExitStageLeft
Wed Dec 19, 2018 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: Retired FIRE, looking for help
Replies: 3
Views: 985

Re: Retired FIRE, looking for help

Welcome back! It looks like you've got a pretty good portfolio already, but I can understand the desire to simplify further. Hopefully the commenters with first-hand expreience managing dividend-paying taxable assets will share some of their insights. It looks to me that as long as your total income...
by ExitStageLeft
Tue Dec 18, 2018 9:51 pm
Forum: Investing - Help with Personal Investments
Topic: 38 and Beyond - Allocation Guidance
Replies: 5
Views: 579

Re: 38 and Beyond - Allocation Guidance

If putting bonds in taxable then you might look into I Series US Savings Bonds.

https://www.treasurydirect.gov/indiv/re ... nsider.htm
by ExitStageLeft
Tue Dec 18, 2018 8:33 pm
Forum: Investing - Help with Personal Investments
Topic: The 4% rule
Replies: 71
Views: 6539

Re: The 4% rule

Big ERN looked at that for early reirees with as long as a 60 year horizon. A SWR of 3% if 50/50 is good for 60 years. Bump up to 75% stocks and you can have a SWR of 3.25%.

https://earlyretirementnow.com/2016/12/ ... t-1-intro/
by ExitStageLeft
Tue Dec 18, 2018 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: New to taking control
Replies: 5
Views: 337

Re: New to taking control

You've probably already considered it, but how will a $1,000 IRA contribution change your taxes compared to $300?
by ExitStageLeft
Tue Dec 18, 2018 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: Traditional 401K vs Roth 401K?
Replies: 13
Views: 528

Re: Traditional 401K vs Roth 401K?

There is a Bogleheads wiki article on the topic at https://www.bogleheads.org/wiki/Traditional_versus_Roth If you are currently a high earner, it probably makes more sense to put all your 401k savings in tax-deferred. Once your MAGI exceeds $200k (for married) then you no longer can take a deduction...
by ExitStageLeft
Tue Dec 18, 2018 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: New to taking control
Replies: 5
Views: 337

Re: New to taking control

You should be able to do in-kind transfers when you move the Edward Jones accounts to your chosen brokerage. There will likely be a fee to close each of those accounts, which as I recall is $95. If you do a search on the forum for "in-kind" or "in kind" you will find lots of threads that discuss sim...
by ExitStageLeft
Tue Dec 18, 2018 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for guidance
Replies: 7
Views: 501

Re: Looking for guidance

Thank you for your service and welcome to the forum! I agree with others that you should consider planning on at least one of you living to 85, if not longer. As noted by others you have a much better understanding of your life expectancies than anyone else, but it's worth considering how things wil...
by ExitStageLeft
Mon Dec 17, 2018 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: What to put in 401k/403b/457 space?
Replies: 7
Views: 418

Re: What to put in 401k/403b/457 space?

I would incorporate the new tax-advantaged savings space into the overall portfolio and invest in low cost index funds that are consistent with your desired asset allocation. At a qick glance it looks like you're about 75/25, and assuming that's where you want to be you should select one or two fund...
by ExitStageLeft
Fri Dec 14, 2018 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: American Funds 401k - Target Date or do it myself
Replies: 5
Views: 242

Re: American Funds 401k - Target Date or do it myself

Based on most personal accounts on this forum, using the backdoor Roth method is trivial provided you have prepared yourself adequately on the process. You could save in the Roth IRA using the same funds you curently have in taxable and enjoy the same returns. The up-side is that you will never have...
by ExitStageLeft
Fri Dec 14, 2018 3:40 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable Account - Index Mutual Fund vs ETF
Replies: 14
Views: 823

Re: Taxable Account - Index Mutual Fund vs ETF

Welcome to the forum! if you haven't had the chance yet, you should peruse the Bogleheads wiki (link at the top of the page). One of the most useful ones to me is the summary on the Bogleheads investing philosophy . You've got most aspects covered by looking at index funds with low ER that are tax-e...
by ExitStageLeft
Thu Dec 13, 2018 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 4
Views: 258

Re: Portfolio Critique and Suggestions

Saving 40% of income is amazing. Keep it up, but not so much that you don't enjoy life a little bit now and then. Something to think about down the road is when will you be over the AGI limit for Roth contributions? When that happens you can still add to your Roth IRAs, but you would need to use the...
by ExitStageLeft
Thu Dec 13, 2018 5:57 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio for a military lifer, too conservative?!?
Replies: 27
Views: 2638

Re: Portfolio for a military lifer, too conservative?!?

It's one IRA per person, max $5,500 for 2018. Doesn't matter if it's Roth or traditional.

Max 401k or civilian TSP contribution for 2018 is $18,500. Doesn't matter if it's traditional or Roth.

So you could be putting $18,500 in a Roth TSP and save $5,500 in a Roth IRA.
by ExitStageLeft
Thu Dec 13, 2018 5:33 pm
Forum: Investing - Help with Personal Investments
Topic: convert to TSP Roth or existing brokerage Roth?
Replies: 22
Views: 1450

Re: convert to TSP Roth or existing brokerage Roth?

I will probably be in a similar boat, where the economic value of a Roth conversion will be about even with just leaving it in tax-deferred. I am a couple years away from retirement so it's not as clear as it might be if I were already retired. The stronger argument for Roth conversions in my case a...
by ExitStageLeft
Wed Dec 12, 2018 8:07 pm
Forum: Investing - Help with Personal Investments
Topic: 34 year old doctor needing help with 401k fund selection
Replies: 14
Views: 1313

Re: 34 year old doctor needing help with 401k fund selection

Welcome to the forum! I would add in some Vanguard Mid Cap in a ratio of about 4 parts S&P 500 to 1 part mid cap. It's a pretty close approximation to the total market fund. https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=4&startYear=1985&firstMonth=1&endYear=2018&lastMonth=12&...
by ExitStageLeft
Wed Dec 12, 2018 2:27 pm
Forum: Investing - Help with Personal Investments
Topic: Mom's Retirement Portfolio
Replies: 8
Views: 1308

Re: Mom's Retirement Portfolio

Your mom should be proud, you've got what looks like an excellent financial plan. My only concern is that the spending from taxable doesn't throw the asset allocation off too much. A 4% withdraw is good for 30 years as long as there are enough stocks in the mix. The current 50/50 balance is good. Yo...
by ExitStageLeft
Wed Dec 12, 2018 12:26 pm
Forum: Investing - Help with Personal Investments
Topic: $10 million family trust - Vanguard PAS?
Replies: 5
Views: 1696

Re: $10 million family trust - Vanguard PAS?

Sounds like a winning plan to me. Trustees would be doing a fine job meeting their fiduciary duties provided assets are invested in an appropriate allocation.
by ExitStageLeft
Wed Dec 12, 2018 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: Super IRA account
Replies: 11
Views: 944

Re: Super IRA account

Now that you've removed the cloaking device, welcome to the forum! I would definitely consider consolidating all the retirement accounts into one account for each of you. Simplicity is something to strive for, but there could be valid reasons to keep the funds in one or more of the existing plans. T...
by ExitStageLeft
Wed Dec 12, 2018 11:59 am
Forum: Investing - Help with Personal Investments
Topic: Seeking Advice as I Turn 30
Replies: 20
Views: 2040

Re: Seeking Advice as I Turn 30

Welcome to the forum and kudos for having your act together. I agree with others that you're doing very well saving and you're not doing a bad job at managing your own wealth. Just take a few lessons from your experience and focus on diversification. The US stock market is down YTD, so you shouldn't...
by ExitStageLeft
Thu Nov 29, 2018 8:46 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 11
Views: 1001

Re: Portfolio Review

You guys are doing great job saving, keep it up! Once you have a taxable account of any size, it's financially to your advantage to shift from target date investing to balancing a three-fund or four-fund portfolio. The effort it takes to balance is the same for a $10k balance as it is for a $1M bala...
by ExitStageLeft
Fri Nov 23, 2018 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: First time investor - Need help with AA and Portfolio
Replies: 11
Views: 971

Re: First time investor - Need help with AA and Portfolio

... Didn't Vanguard lower the minimums for Admiral shares to 3000 recently? So we can directly do VTSAX for the ROTH IRAs. Yes indeed. I just learned that today when I was at the Oblivous Investor blog. You're exactly right about trying to match a VTSAX style of fund when all you have is the S&P 50...
by ExitStageLeft
Fri Nov 23, 2018 3:32 pm
Forum: Investing - Help with Personal Investments
Topic: First time investor - Need help with AA and Portfolio
Replies: 11
Views: 971

Re: First time investor - Need help with AA and Portfolio

Welcome to the forum! I'm a little conflicted because I also have an aggressive portfolio allocation, but I feel you should proceed with caution in opting for the 85/15 AA. The silver lining is that your 15% is higher than most target date funds would have you in at this stage. I don't think the VGI...
by ExitStageLeft
Fri Nov 23, 2018 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: Draft Portfolio Check - From 34 down to 8 funds
Replies: 6
Views: 753

Re: Draft Portfolio Check - From 34 down to 8 funds

Welcome to the forum! Simple is good. The lazy three-fund portfolio using low-cost indexed funds is amazingly potent given its elegant simplicity. Here's a comparison for you to consider: https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=4&startYear=1985&firstMonth=1&endYear=2018...
by ExitStageLeft
Wed Nov 21, 2018 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: EIN to Solo 401K to Backdoor Roth Game Plan
Replies: 3
Views: 398

Re: EIN to Solo 401K to Backdoor Roth Game Plan

I would contribute as much as allowed in the solo 401k this year. By my read that is $1,500 for an employee elective contribution. Definitely check officia; sources to confirm. https://www.irs.gov/retirement-plans/one-participant-401k-plans Rollover IRAs are essentially the same as a traditional IRA...
by ExitStageLeft
Wed Nov 21, 2018 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: TSP Eligibility for widow
Replies: 2
Views: 240

Re: TSP Eligibility for widow

It seems unlikely. If the former spouse was enrolled then she would have been the beneficiary. If said spouse never elected to contribute to the TSP then that door remains closed, as far as I can tell.

https://www.tsp.gov/PlanParticipation/E ... tml#NONBRS
by ExitStageLeft
Mon Nov 19, 2018 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: 35 Years old looking for advice!
Replies: 16
Views: 3417

Re: 35 Years old Looking for advice

Welcome to the forum! It's great that you have a 401k. Can you let us know what the expense ratios (ER) are for the funds offered? Many 401k plans include some administrative fees that make the funds a little more expensive than what you might get directly in an IRA. It helps us help you figure out ...
by ExitStageLeft
Fri Nov 16, 2018 7:19 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Fund advice
Replies: 6
Views: 481

Re: 401K Fund advice

Welcome to the forum! If you adopt the "age minus ten" rule for bonds allocation, you should look for a 75/25 allocation. You can approximate that with 60% RLBGX and 40% PSIFX in the 401k. If you can make contributions to two Roth IRA accounts each year, you can further diversify with a total intern...
by ExitStageLeft
Fri Nov 16, 2018 7:03 pm
Forum: Investing - Help with Personal Investments
Topic: 37 year old requests assistance with questions at end.
Replies: 8
Views: 1381

Re: 37 year old requests assistance with questions at end.

It looks like you're doing great. You're tilted a little more towards mid and small cap than you may realize, as VTSAX is a total market fund and not just large cap. https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=4&startYear=2008&firstMonth=1&endYear=2018&lastMonth=12&endDate=...
by ExitStageLeft
Fri Nov 16, 2018 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: Is it worth doing a Roth conversion now to avoid future backdoor pro rata headaches?
Replies: 10
Views: 1506

Re: Is it worth doing a Roth conversion now to avoid future backdoor pro rata headaches?

The details will be in the 401k plan as set up by the employer. I'm sure TRP would love to add her assets to theirs, but they are bound by whatever arbitrary restrictions are in the plan. If you hit the $200k mark for 2018, with a standard deduction that puts you in the 24% federal tax bracket. It w...
by ExitStageLeft
Fri Nov 16, 2018 3:52 pm
Forum: Investing - Help with Personal Investments
Topic: Starting Off- How Does This Look?
Replies: 6
Views: 685

Re: Starting Off- How Does This Look?

Retirment accounts in the U.S. are lumped into three classes. Each class has its own annual limits for individual and employer contributions. Individual Retirement Arrangement (IRA) The limit for 2018 is $5,500 or total earned income, whichever is lower. If over age 50 it is $6,500. The amounts incr...
by ExitStageLeft
Thu Nov 15, 2018 6:30 pm
Forum: Investing - Help with Personal Investments
Topic: Starting Off- How Does This Look?
Replies: 6
Views: 685

Re: Starting Off- How Does This Look?

Welcome to the forum! There's nothing wrong with your plan other than a few quibbles. You'll be fine going forward as you propose, but give some thought please to these suggestions: 1) Continue investing in your Roth IRA every year. You lose that extra tax-advantaged space every year that you don't ...
by ExitStageLeft
Wed Nov 14, 2018 6:50 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio decisions as we approach retirement
Replies: 26
Views: 3107

Re: Portfolio decisions as we approach retirement

Backtesting on Potfolio Visualizer shows a 50/50 asset allocation easily meeting the criteria of 7% yield and max 25% drawdown. Since 1998 yields are lower, but it doesn't miss the mark by much. https://www.portfoliovisualizer.com/backtest-asset-class-allocation?s=y&mode=2&startYear=1972&endYear=201...
by ExitStageLeft
Wed Nov 14, 2018 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: Ok Bogleheads, I'm in... First post
Replies: 15
Views: 3843

Re: Ok Bogleheads, I'm in... First post

Welcome back, and don't fret, you'll hit the two-comma club soon enough. I don't see any IRAs in your list of assets. I would move some of that taxable into Roth IRAs for you and spouse, using the backdoor Roth process if necessary. Put it all in international total market index funds, so you cna sh...
by ExitStageLeft
Wed Nov 14, 2018 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: Should we drop our manager, for 4-fund portfolio?
Replies: 66
Views: 6334

Re: Should we drop our manager, for 4-fund portfolio?

I was emulating the Vanguard 4-fund core they use on their target date funds. I personally don't invest in international bonds. There are arguments for and against and I have yet to form a strong opinion either way. DW and I have a three-fund portfolio across several accounts, so we actually have T....
by ExitStageLeft
Tue Nov 13, 2018 8:43 pm
Forum: Investing - Help with Personal Investments
Topic: Should we drop our manager, for 4-fund portfolio?
Replies: 66
Views: 6334

Re: Should we drop our manager, for 4-fund portfolio?

... Thank you I had not looked at the Exposure tab, there is a lot of information there. Regarding the hi yield exposure I'd be interested to learn how the boglehead community looks at hi yield collectively... does HY merit a place in a well-diversified savings portfolio? I used the exposure tab to...
by ExitStageLeft
Tue Nov 13, 2018 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: Should we drop our manager, for 4-fund portfolio?
Replies: 66
Views: 6334

Re: Should we drop our manager, for 4-fund portfolio?

Be sure to check out the Exposures tab that PortfolioVisualizer gives you. Your current portfolio is able to cover the cost of actively managed funds by taking more risk. The credit quality is much lower, with 18% junk bonds whereas the lazy portfolios have no junk bonds.
by ExitStageLeft
Mon Nov 12, 2018 9:36 pm
Forum: Investing - Help with Personal Investments
Topic: Just starting
Replies: 2
Views: 370

Re: Just starting

Welcome ot the forum! It's never too late to start saving, and the sooner you make it automatic the better off you'll be. You've got some excellent funds in your 401k that happen to have the Fidelity name instead of Vanguard. No worries, they are low-cost index funds that will allow you to grow your...
by ExitStageLeft
Mon Nov 12, 2018 10:53 am
Forum: Investing - Help with Personal Investments
Topic: Should we drop our manager, for 4-fund portfolio?
Replies: 66
Views: 6334

Re: Should we drop our manager, for 4-fund portfolio?

Welcome to the forum! The good news is that your current manager put you in funds that have captured the same returns that a lazy three-fund or four-fund portfolio would have delivered. https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=4&startYear=1985&firstMonth=1&endYear=2018&l...
by ExitStageLeft
Sun Nov 11, 2018 8:48 pm
Forum: Investing - Help with Personal Investments
Topic: Roth 401k vs Taxable accounts - early withdrawal
Replies: 14
Views: 722

Re: Roth 401k vs Taxable accounts - early withdrawal

My spreadsheet was pretty simplistic actually, and applied the LTCG tax to the entire gains at the top bracket. I was more interested in how tax efficiency reduces the drag on the taxable account. If most of the return is in the form of capital gains or qualified dividends then the tax drag is prett...
by ExitStageLeft
Sun Nov 11, 2018 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: Roth 401k vs Taxable accounts - early withdrawal
Replies: 14
Views: 722

Re: Roth 401k vs Taxable accounts - early withdrawal

If comparing taxable to a Roth early full withdrawal with penalties, the taxable account is better under most circumstances. The ability to manage LTCG taxes and the better LTCG tax rate make even a moderately tax efficient portfolio in taxable the preferred choice. If your tax bracket ten years fro...