Search found 33 matches

by Geographer
Fri Aug 30, 2019 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Cheaper healthcare in Italy?
Replies: 27
Views: 2288

Re: Cheaper healthcare in Italy?

Thanks for all the wonderful responses! It's great hearing experiences directly from people who have been through the system, or know people who have. I appreciate hearing both the positives and negatives. We don't arrive for another couple months, but it's good to get an idea of what we're getting ...
by Geographer
Wed Aug 28, 2019 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Cheaper healthcare in Italy?
Replies: 27
Views: 2288

Cheaper healthcare in Italy?

We're moving from the US to Italy in a couple months for a job, and it looks like the long term visa will allow us to enroll in their national healthcare system. We will however keep some level of health insurance provided by my employer just to be safe. That made me think, we are anticipating some ...
by Geographer
Thu Aug 15, 2019 2:16 pm
Forum: Non-US Investing
Topic: Foreign Earned Income Exemption and U.S. 401k?
Replies: 24
Views: 1397

Re: Foreign Earned Income Exemption and U.S. 401k?

Short answer: yes, your employer can set up and fund/let you fund a 401(k) plan whether you work inside or outside the US. 401k's are different from IRAs in how the FEIE impacts them because your employer is not expected to track the exclusion for each employee. Thanks QuantOfAsia, do you know if t...
by Geographer
Wed Aug 14, 2019 4:38 pm
Forum: Non-US Investing
Topic: Foreign Earned Income Exemption and U.S. 401k?
Replies: 24
Views: 1397

Re: Foreign Earned Income Exemption and U.S. 401k?

TedSwippet wrote:
Wed Aug 14, 2019 2:54 am
Looks to be okay if covered by article 18 para 6 of the US/Italy tax treaty. From its technical explanation:
Ted, thanks for finding this. So based on your interpretation, you'd say that pre-tax 401k contributions could be made? Not sure if this would also cover Roth 401k contributions.
by Geographer
Tue Aug 13, 2019 7:27 pm
Forum: Non-US Investing
Topic: Foreign Earned Income Exemption and U.S. 401k?
Replies: 24
Views: 1397

Re: Foreign Earned Income Exemption and U.S. 401k?

So I'll still need to contact a tax professional to advise on the situation, but from HR and other employees it sounds like contributing to 401k PRE TAX is OK up to the $19k limit, since it's FEIE tax exempt going in and would be taxed going out anyways. Even if you can contribute to it and it's pr...
by Geographer
Tue Aug 13, 2019 6:35 pm
Forum: Non-US Investing
Topic: Foreign Earned Income Exemption and U.S. 401k?
Replies: 24
Views: 1397

Re: Foreign Earned Income Exemption and U.S. 401k?

You will need to move your drivers licenses to a friendly state if you don't want to transfer to a European drivers license. Also, if your voters registration is in Virginia, suggest you send in notice to the secretary of state that you moved. You need to make every effort to have no connection at ...
by Geographer
Tue Aug 13, 2019 5:59 pm
Forum: Personal Investments
Topic: Expat income and 401(k)
Replies: 15
Views: 1826

Re: Expat income and 401(k)

I wanted to follow up with this post to see if there's any update on if this is allowed. I'm considering a job in Europe which would be completely exempt from taxes under the FEIE, with a US company, and will be allowed to contribute to a 401k. If Roth contributions are allowed (and even mega backdo...
by Geographer
Tue Aug 13, 2019 5:43 pm
Forum: Non-US Investing
Topic: Foreign Earned Income Exemption and U.S. 401k?
Replies: 24
Views: 1397

Re: Foreign Earned Income Exemption and U.S. 401k?

So I'll still need to contact a tax professional to advise on the situation, but from HR and other employees it sounds like contributing to 401k PRE TAX is OK up to the $19k limit, since it's FEIE tax exempt going in and would be taxed going out anyways. Would it even be worth it to put tax exempted...
by Geographer
Sun Aug 11, 2019 7:05 pm
Forum: Non-US Investing
Topic: Foreign Earned Income Exemption and U.S. 401k?
Replies: 24
Views: 1397

Re: Foreign Earned Income Exemption and U.S. 401k?

Thanks guys. I think there's still a lot I need to find out from both the employer as well as maybe an expat tax adviser in Italy to figure out how the rules apply to this specific scenario so that I don't end up getting a huge penalty. I'll also be sure to have a tax professional file my taxes thes...
by Geographer
Sun Aug 11, 2019 1:02 pm
Forum: Non-US Investing
Topic: Foreign Earned Income Exemption and U.S. 401k?
Replies: 24
Views: 1397

Re: Foreign Earned Income Exemption and U.S. 401k?

Also, note that if you are from Virginia (as suggested by your user profile), the state will tax your non-US income unless you take affirmative steps to completely terminate state domicile. From this article : Ted -- thanks for the heads up on the Virginia domicile. We'll have sold our cars and wil...
by Geographer
Sat Aug 10, 2019 4:34 pm
Forum: Non-US Investing
Topic: Foreign Earned Income Exemption and U.S. 401k?
Replies: 24
Views: 1397

Re: Foreign Earned Income Exemption and U.S. 401k?

curryitr wrote:
Wed Aug 07, 2019 9:06 pm
Can’t speak for anyone else but my employer had about 4000 employees all contributing into Roth 403b plans living abroad.
Cool, thanks for sharing! It sounds like an incredible benefit to be able to contribute to Roth 401k while overseas, and this makes me feel much better about it.
by Geographer
Wed Aug 07, 2019 2:52 pm
Forum: Non-US Investing
Topic: Foreign Earned Income Exemption and U.S. 401k?
Replies: 24
Views: 1397

Re: Foreign Earned Income Exemption and U.S. 401k?

Also, note that if you are from Virginia (as suggested by your user profile), the state will tax your non-US income unless you take affirmative steps to completely terminate state domicile. From this article : Ted -- thanks for the heads up on the Virginia domicile. We'll have sold our cars and wil...
by Geographer
Tue Aug 06, 2019 5:17 pm
Forum: Non-US Investing
Topic: Foreign Earned Income Exemption and U.S. 401k?
Replies: 24
Views: 1397

Foreign Earned Income Exemption and U.S. 401k?

Good evening! I'm considering a new position that would be in Europe, but for a US company under an international service agreement. I was told the total compensation would be completely tax exempt if I stay for at least 330 days since it's within the $105k Foreign Earned Income Exemption (FEIE) thr...
by Geographer
Wed Jul 10, 2019 8:33 pm
Forum: Investing - Theory, News & General
Topic: How is "Total World Bond" (BNDW) weighting determined?
Replies: 8
Views: 1229

Re: How is "Total World Bond" (BNDW) weighting determined?

Thanks for the thoughtful responses, guys. So if I were to use BNDW as a floating benchmark for my bond allocation, would it be reasonable to allocate the overall bond portion to 43% VBTLX and 57% VTABX, rebalancing back to the BNDW benchmark split at my annual rebalance? Ideally I'd just use total ...
by Geographer
Wed Jul 10, 2019 3:57 pm
Forum: Investing - Theory, News & General
Topic: How is "Total World Bond" (BNDW) weighting determined?
Replies: 8
Views: 1229

How is "Total World Bond" (BNDW) weighting determined?

According to Vanguard's website, it appears that the weighting for BNDW is currently 43% US bonds. Is this weighting similar to the Total World Stock (VT), where the weighting is determined by global market cap? I wonder because I'm considering adding international bonds to my bond allocation, and w...
by Geographer
Sat Jul 06, 2019 9:17 pm
Forum: Personal Investments
Topic: Which bond choice for 401k?
Replies: 2
Views: 348

Re: Which bond choice for 401k?

Good afternoon! We are a married couple and my wife's pre-tax 401k through Fidelity has the following options for bonds: FID CAPITAL & INCOME (FAGIX) - ER 0.69% FID INTERMED BOND (FTHRX) - ER 0.45% FID ST TR BD IDX (FUMBX) - ER 0.03% FIDELITY GOVT INCOME (FGOVX) - ER 0.45% Our IPS states that we wi...
by Geographer
Sat Jul 06, 2019 10:04 am
Forum: Personal Investments
Topic: Which bond choice for 401k?
Replies: 2
Views: 348

Which bond choice for 401k?

Good afternoon! We are a married couple and my wife's pre-tax 401k through Fidelity has the following options for bonds: FID CAPITAL & INCOME (FAGIX) - ER 0.69% FID INTERMED BOND (FTHRX) - ER 0.45% FID ST TR BD IDX (FUMBX) - ER 0.03% FIDELITY GOVT INCOME (FGOVX) - ER 0.45% Our IPS states that we wil...
by Geographer
Tue Apr 23, 2019 9:39 am
Forum: Personal Investments
Topic: Should I be in Bonds?
Replies: 20
Views: 1699

Re: Should I be in Bonds?

I'd go 50/50 here at this point in the cycle Are you saying 50% Bonds at 25 years old? yes Interesting, may I ask why you recommend such a conservative allocation at a young age? Market timing. My guess is he's saying that we're nearing a peak in the cycle and a crash will happen soon. Probably not...
by Geographer
Thu Feb 07, 2019 8:07 pm
Forum: Investing - Theory, News & General
Topic: Rebalance Timing?
Replies: 17
Views: 1103

Re: Rebalance Timing?

I like the idea of never rebalancing, ... I would forget about that. It's an emotional trap ("feels good" because one doesn't act) that doesn't withstand scrutiny. Here are two post about it: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=262077&p=4182112#p4179086 https://www.bogleheads.org/...
by Geographer
Thu Feb 07, 2019 6:32 pm
Forum: Investing - Theory, News & General
Topic: Rebalance Timing?
Replies: 17
Views: 1103

Re: Rebalance Timing?

If your stock allocation was 5% over your goal when stocks were near 2018 lows (December), how much was your stock allocation over your goal during the September 2018 high? bill Good catch Bill, I mistakenly said that backwards! Edited: "In December, my stocks were 5% below my set stocks/bond alloc...
by Geographer
Thu Feb 07, 2019 9:21 am
Forum: Investing - Theory, News & General
Topic: Rebalance Timing?
Replies: 17
Views: 1103

Re: Rebalance Timing?

I'm starting to think of maybe eliminating the 5% band rebalance and sticking to strictly an annual date to keep things automatic. I would choose this. It's simpler and good enough . Thanks for the response. The 5% band rebalance always felt like market timing to me and requires constant monitoring...
by Geographer
Thu Feb 07, 2019 9:09 am
Forum: Investing - Theory, News & General
Topic: Rebalance Timing?
Replies: 17
Views: 1103

Rebalance Timing?

Good morning Bogleheads! Is there any way to better time rebalancing of Vanguard mutual funds? In December, my stocks were 5% below my set stocks/bond allocation, so on December 25th I initiated a rebalance of my funds in my Vanguard 401k-- selling VBTLX to buy VTSAX at my original allocation. Howev...
by Geographer
Fri Jan 11, 2019 8:33 pm
Forum: Personal Investments
Topic: Biggest Investment Mistake
Replies: 200
Views: 16598

Re: Biggest Investment Mistake

When I got my first real career job in 2013, I thought stocks were at a peak and a crash was imminent. So I only invested up to the company match in my 401k, didn't have an IRA, and sidelined all my extra savings in cash. Eventually after several years I put most of that sidelined cash into investme...
by Geographer
Tue Jan 01, 2019 6:43 pm
Forum: Investing - Theory, News & General
Topic: Who has the highest allocation to international stocks?
Replies: 65
Views: 6686

Re: Who has the highest allocation to international stocks?

Until recently we were 60/40 US/Int for our stock portion, but decided to set our target as 55/45 to represent cap weight because we were so close anyways, so why not? Ideally we'll exchange for the convenience of 100% VTWSX if Vanguard makes admiral shares, but until then we'll shoot for world cap ...
by Geographer
Sat Dec 29, 2018 8:19 pm
Forum: Investing - Theory, News & General
Topic: How often does VTWSX, or "world cap" ratio update?
Replies: 12
Views: 929

Re: How often does VTWSX, or "world cap" ratio update?

Thanks for all the replies. I didn't think about the fact that as either fund goes up or down they would essentially stay in balance with world cap... but I'd still need to pay attention to how my future contributions would be allocated. Eventually when all my accounts are consolidated and if Vangua...
by Geographer
Fri Dec 28, 2018 1:36 pm
Forum: Investing - Theory, News & General
Topic: How often does VTWSX, or "world cap" ratio update?
Replies: 12
Views: 929

Re: How often does VTWSX, or "world cap" ratio update?

Thanks, I'll check that out when I get a chance. Just wanted to figure out if they adjusted on a fixed schedule or if it was haphazard. If quarterly, then yeah you're probably right that an annual rebalance would be good enough. Thanks again!
by Geographer
Fri Dec 28, 2018 1:20 pm
Forum: Investing - Theory, News & General
Topic: How often does VTWSX, or "world cap" ratio update?
Replies: 12
Views: 929

How often does VTWSX, or "world cap" ratio update?

Good afternoon! As part of my IPS, I want to hold "world cap" weight in my stock allocation, which I will rebalance to annually. As of now, the Vanguard Total World Stock Fund (VTWSX) and VT etf show a split of 55% US, 45% international. However, I do understand this is a moving target and want to k...
by Geographer
Wed Jun 06, 2018 8:11 pm
Forum: Investing - Theory, News & General
Topic: Just added bonds to portfolio
Replies: 44
Views: 3629

Re: Just added bonds to portfolio

1) If the stock portion of your portfolio drop by 50%, how much do you lose in term of A) The number of years of annual saving? B) The number of years of annual expense? My plan is to live off the 4% rule, and expect that in any downturns I would cut spending down or pick up a part-time job to cove...
by Geographer
Wed Jun 06, 2018 6:59 pm
Forum: Investing - Theory, News & General
Topic: Just added bonds to portfolio
Replies: 44
Views: 3629

Re: Just added bonds to portfolio

Thanks for the replies guys! My main objective in doing this was because I like the idea of having a set plan with a set rebalancing shedule and target. Now that it's already been implemented, I'll be sticking to this plan for the foreseeable future. Our FIRE will be flexible, and we'll still be you...
by Geographer
Wed Jun 06, 2018 6:31 pm
Forum: Investing - Theory, News & General
Topic: Just added bonds to portfolio
Replies: 44
Views: 3629

Re: Just added bonds to portfolio

So thread title is not quite right. "Just added ..." suggests that you did it today which was a very smart move, but you did it last week. :( Ah good catch, so one good thing is that the rebalance last week only got the bonds to about 11% of the portfolio, and today the other 4% is going through! I...
by Geographer
Wed Jun 06, 2018 5:55 pm
Forum: Investing - Theory, News & General
Topic: Just added bonds to portfolio
Replies: 44
Views: 3629

Just added bonds to portfolio

I'm getting married next month and last week the fiancee and I decided to set a combined investment plan. Up until recently, we had just been investing in 100% equities with no real plan, and decided that it might be smart to move to a 50% domestic stock (VTSAX), 35% international stock (VTIAX), 15%...
by Geographer
Mon Jun 04, 2018 9:05 am
Forum: Personal Investments
Topic: Asset allocation across multiple accounts - bonds in HSA?
Replies: 3
Views: 583

Re: Asset allocation across multiple accounts - bonds in HSA?

Thanks for the response! Do you think keeping the HSAs in 100% bonds indefinitely is a good/efficient idea as long as we maintain our desired AA? I'd imagine any spending from the bonds in the HSA would be adjusted with balancing the AA through our 401ks/IRAs.
by Geographer
Sun Jun 03, 2018 1:32 pm
Forum: Personal Investments
Topic: Asset allocation across multiple accounts - bonds in HSA?
Replies: 3
Views: 583

Asset allocation across multiple accounts - bonds in HSA?

Good afternoon, first time poster here! Getting married in less than 2 months, and decided that it is a good time to get our investment plan in order as a joint couple after having thrown all our money into 100% domestic and international stock funds. This past week we decided on a 50% VTSAX, 35% VT...