Search found 17 matches

by Jade A.B.
Mon Nov 05, 2018 11:13 pm
Forum: Investing - Help with Personal Investments
Topic: Pension vs. 457 plan
Replies: 5
Views: 594

Re: Pension vs. 457 plan

Also, compare the benefits with the employer-only vs the employer+ employee pensions. At the end of the day, my employer+ employee pension had more own-occupation disability and earlier health insurance included. (FWIW, I maxed out both.)
by Jade A.B.
Sun Oct 28, 2018 4:17 pm
Forum: Investing - Theory, News & General
Topic: Roth 401/403/457 withdrawals pre 59.5. Tax/penalty? What if rolled over to Roth IRA?
Replies: 25
Views: 1404

Re: Roth 401/403/457 withdrawals pre 59.5. Tax/penalty? What if rolled over to Roth IRA?

https://www.irs.gov/retirement-plans/pl ... tributions

"Governmental 457(b) distributions are not subject to the 10% additional tax except for distributions attributable to rollovers from another type of plan or IRA"
by Jade A.B.
Thu Mar 01, 2018 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: AA: am I being wise or missing something?
Replies: 26
Views: 2669

Re: AA: am I being wise or missing something?

3funder and siamond, thanks for responding. I'm talking to Vanguard tomorrow and planning to follow your, and so many others', "KISS" principle. It's reassuring to know others whose posts and advice I've valued agree wth my instincts about both investing (and my personal nature 😶).
by Jade A.B.
Thu Mar 01, 2018 3:21 am
Forum: Investing - Help with Personal Investments
Topic: AA: am I being wise or missing something?
Replies: 26
Views: 2669

Re: AA: am I being wise or missing something?

You're fine; go with 50/50 and call it a day. By the way, I would hold some international equity to mitigate country risk. Perhaps 1/3 of stocks. 3funder, if I do go with a fund of funds (not your style, I bet :D ) would you suggest my going into the Lifestrategy Moderate Growth (60/40 which includ...
by Jade A.B.
Thu Mar 01, 2018 3:04 am
Forum: Investing - Help with Personal Investments
Topic: AA: am I being wise or missing something?
Replies: 26
Views: 2669

Re: AA: am I being wise or missing something?

OP, How secure is your Municipal pension? As I understand it, many of these types of pensions are under funded and are not backed any any guarantees. Part of the risk calculus you need to consider. I believe it to be about 75% safe. It is conservatively invested and weathered 2008/09 well. Of even ...
by Jade A.B.
Sat Feb 24, 2018 7:20 pm
Forum: Personal Consumer Issues
Topic: I week in California, Road Trip Planning
Replies: 65
Views: 4648

Re: I week in California, Road Trip Planning

I highly recommend stopping in towns near San Luis Obispo. . . Continuing up highway 1 will take you near Hearst castle, some other small beach towns like cayucos. Highway 1 also winds around on a cliff so driving is a bit slower than highway 101. One side is mountains and rock, other is the Pacifi...
by Jade A.B.
Sat Feb 24, 2018 7:09 pm
Forum: Personal Consumer Issues
Topic: I week in California, Road Trip Planning
Replies: 65
Views: 4648

Re: I week in California, Road Trip Planning

I highly recommend stopping in towns near San Luis Obispo. . . Continuing up highway 1 will take you near Hearst castle, some other small beach towns like cayucos. Highway 1 also winds around on a cliff so driving is a bit slower than highway 101. One side is mountains and rock, other is the Pacifi...
by Jade A.B.
Sat Feb 24, 2018 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: AA: am I being wise or missing something?
Replies: 26
Views: 2669

Re: AA: am I being wise or missing something?

siamond wrote:
Sat Feb 24, 2018 1:15 pm
Enjoy the journey and have fun!
Thanks so much. 😎
by Jade A.B.
Sat Feb 24, 2018 1:14 pm
Forum: Investing - Help with Personal Investments
Topic: AA: am I being wise or missing something?
Replies: 26
Views: 2669

Re: AA: am I being wise or missing something?

Ha! So Sergeant and Delamer agree with my husband to raise the AA a bit after all. I may have to listen to him one of these days.
by Jade A.B.
Sat Feb 24, 2018 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: AA: am I being wise or missing something?
Replies: 26
Views: 2669

Re: AA: am I being wise or missing something?

OP, How secure is your Municipal pension? As I understand it, many of these types of pensions are under funded and are not backed any any guarantees. Part of the risk calculus you need to consider. I believe it to be about 75% safe. It is conservatively invested and weathered 2008/09 well. Of even ...
by Jade A.B.
Sat Feb 24, 2018 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: AA: am I being wise or missing something?
Replies: 26
Views: 2669

Re: AA: am I being wise or missing something?

Thank you, Sandtrap. Glad to hear I'm not the only one who wrestles . . . And that it might not make a difference that causes great damage.

Thank you all for thinking about this and responding. My choices when I was at work were pretty limited, and now Vanguard had so many options!
by Jade A.B.
Sat Feb 24, 2018 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: AA: am I being wise or missing something?
Replies: 26
Views: 2669

Re: AA: am I being wise or missing something?

In your financial position anything between 60/40 and 40/60 . . would do fine according to general input. Certainly, someone in your excellent financial position could afford to take on more risk. . but why? The "elephant in the room" question is: How would you feel if the market took a big dip and...
by Jade A.B.
Sat Feb 24, 2018 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: AA: am I being wise or missing something?
Replies: 26
Views: 2669

Re: AA: am I being wise or missing something?

OP, How secure is your Municipal pension? As I understand it, many of these types of pensions are under funded and are not backed any any guarantees. Part of the risk calculus you need to consider. I believe it to be about 75% safe. It is conservatively invested and weathered 2008/09 well. Of even ...
by Jade A.B.
Sat Feb 24, 2018 11:54 am
Forum: Investing - Help with Personal Investments
Topic: AA: am I being wise or missing something?
Replies: 26
Views: 2669

Re: AA: am I being wise or missing something?

Wow, you learned folks are relieving my mind. And saying I could even go to 40/60? That might be like relaxing my fist after years of clenching. In your situation your asset allocation does not matter very much. The main expected effect would be more stock means higher and higher expected wealth whe...
by Jade A.B.
Sat Feb 24, 2018 10:56 am
Forum: Investing - Help with Personal Investments
Topic: AA: am I being wise or missing something?
Replies: 26
Views: 2669

AA: am I being wise or missing something?

My portfolio is rolling over and on its way from my 457b to Vanguard as we speak, since I've recently retired. I HAD selected a 60/40 to asset allocation based on our ages, 62 and 63, and common recommendations, but am thinking of increasing it a little. I do realize this is a question I should have...
by Jade A.B.
Mon Feb 19, 2018 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: New retiree really needs help with tax-deferred monies
Replies: 4
Views: 632

Re: New retiree really needs help with tax-deferred monies

Thanks so much for your responses so far! Interested to hear that better minds agree. I think you're being nice, though,. Please feell free to be critical with this mish mash of funds and ideas. I forgot the expenses ratios, but of course all non-Vanguard were higher. Doesn't absolutely have to be e...
by Jade A.B.
Mon Feb 19, 2018 4:38 am
Forum: Investing - Help with Personal Investments
Topic: New retiree really needs help with tax-deferred monies
Replies: 4
Views: 632

New retiree really needs help with tax-deferred monies

Please consider helping me! Recently retired, I need Vanguard recommendations for my current tax-deferred portfolio, currently elsewhere in a 457b, Solo 401k, & Seps. Interested in moving it all. Emergency funds: 2 years Debt: none Tax filing status: married Tax filing rate; 15% federal, 7% state St...