Search found 12 matches

by z00b
Sun Jul 08, 2018 9:29 pm
Forum: Investing - Help with Personal Investments
Topic: Help - investor starting later in life
Replies: 37
Views: 5361

Re: Help - investor starting later in life

The tax-exempt bond fund in the taxable account is in order to get the bond allocation up to 35%. There is room for 27% in your 401k, and the Roth IRA space is valuable space to use for a for a stock index fund. Thanks @ Hi Ruralavalon, basic question. Will moving all my 401K to bonds result in any...
by z00b
Wed Jun 20, 2018 11:10 pm
Forum: Investing - Help with Personal Investments
Topic: Help - investor starting later in life
Replies: 37
Views: 5361

Re: Help - investor starting later in life

08%, Vanguard California Intermediate-term Tax-exempt Fund Admiral Shares (VCADX) ER 0.09% Thanks @ruralavalon I notice you suggest an 8% allocation in VCADX (or the poor man's version VCAIX?). Is there a reason you suggest VCAIX over just keeping all domestic stocks in VTSAX? House savings. In the...
by z00b
Fri Jun 15, 2018 11:21 pm
Forum: Investing - Help with Personal Investments
Topic: Help - investor starting later in life
Replies: 37
Views: 5361

Re: Help - investor starting later in life

Approximately when do you expect that you might be investing that $80k cash in the 2 backdoor Roth IRAs and a taxable account? Right away! Hoping to do this in the next 2 weeks. I have already started with VTIAX and VTSAX ! Do you have tentative numbers in mind for about how much of the $30-50k ann...
by z00b
Thu Jun 14, 2018 11:22 pm
Forum: Investing - Help with Personal Investments
Topic: Help - investor starting later in life
Replies: 37
Views: 5361

Re: Help - investor starting later in life

401k (33% of total; $30k; adds $18.5k + $3k employer match = $21.5k/yr total) 00%, Vanguard Institutional 500 Index Trust - 0.016% 00%, Vanguard Institutional Total International Stock Index Trust - 0.068% 33%, Vanguard Institutional Total Bond Market Index Trust - 0.038% @ruralavalon and others- t...
by z00b
Tue Jun 12, 2018 8:48 am
Forum: Investing - Help with Personal Investments
Topic: Help - investor starting later in life
Replies: 37
Views: 5361

Re: Help - investor starting later in life

@ruralavalon the annual savings is in addition to my 401K contribution. Of course these savings could potentially come down to a third of that if I decide to stop renting and jump into home ownership. Two additional questions: 1) Should I be considering any backdoor Roths? If so how should I allocat...
by z00b
Mon Jun 11, 2018 9:13 am
Forum: Investing - Help with Personal Investments
Topic: Help - investor starting later in life
Replies: 37
Views: 5361

Re: Help - investor starting later in life

Here are the other funds offered. Thanks for your patience! American Beacon Small Cap Value Fund R6 Class AASRX 7241 - 0.81% Invesco International Growth Cl I — 6128 Oakmark International Fund Class Institutional OANIX 7131 - 0.82% PIMCO Total Return Fund Institutional Class PTTRX 3769 - 0.51% Stat...
by z00b
Thu Jun 07, 2018 5:11 pm
Forum: Investing - Help with Personal Investments
Topic: Help - investor starting later in life
Replies: 37
Views: 5361

Re: Help - investor starting later in life

Here are the other funds offered. Thanks for your patience! American Beacon Small Cap Value Fund R6 Class AASRX 7241 - 0.81% Invesco International Growth Cl I — 6128 Oakmark International Fund Class Institutional OANIX 7131 - 0.82% PIMCO Total Return Fund Institutional Class PTTRX 3769 - 0.51% State...
by z00b
Thu Jun 07, 2018 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: Help - investor starting later in life
Replies: 37
Views: 5361

Re: Help - investor starting later in life

What funds are offered in your 401k? Please give fund names, tickers and expense ratios. (This is important to know, in order to give ideas on how to invest your additional $3-4k per month.) @ruralavalon - how do I find this? All I know is that my 401K is entirely in the Vanguard Target Retirement ...
by z00b
Mon Jun 04, 2018 10:07 pm
Forum: Investing - Help with Personal Investments
Topic: Help - investor starting later in life
Replies: 37
Views: 5361

Re: Help - investor starting later in life

What funds are offered in your 401k? Please give fund names, tickers and expense ratios. (This is important to know, in order to give ideas on how to invest your additional $3-4k per month.) @ruralavalon - how do I find this? All I know is that my 401K is entirely in the Vanguard Target Retirement ...
by z00b
Mon Jun 04, 2018 12:28 am
Forum: Investing - Help with Personal Investments
Topic: Help - investor starting later in life
Replies: 37
Views: 5361

Re: Help - investor starting later in life

Thanks all -I have made edits to my original post. (thanks @ruralavalon) My expectation is that in retirement I will spend about 3K/month in today's money - and top out around 40K a year after including misc. expenses. I plan to move to a LCOL country at around 60-65,so that may come down even more ...
by z00b
Sun Jun 03, 2018 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: Help - investor starting later in life
Replies: 37
Views: 5361

Re: Help - investor starting later in life

Some additional information would be helpful. What funds are you currently using in your 401k? What funds are offered in your 401k? Please give fund names, tickers and expense ratios. Is there an employer match offered in your 401k, and, if so what is it? How much (in dollars) are you currently con...
by z00b
Fri Jun 01, 2018 11:21 pm
Forum: Investing - Help with Personal Investments
Topic: Help - investor starting later in life
Replies: 37
Views: 5361

Help - investor starting later in life

Thank you for this immensely beneficial forum. I am yet another starter investor who is looking for basic guidance on his investment strategy. Age Late-30s Household income – ~$250K Tax Bracket- Federal 33%, State 9.3% Tax Filing Status - MFJ Savings and finances: •Emergency fund in Vanguard Prime M...