Search found 48 matches

by SerenityBlue
Fri Jul 26, 2019 4:00 pm
Forum: Personal Investments
Topic: Need HSA investment advice
Replies: 9
Views: 652

Re: Need HSA investment advice

Thanks for the advice all. I'll look into consolidating them all into one fund and capturing it as part of the overall investment portfolio. It'll definitely help simplify this a lot.
by SerenityBlue
Fri Jul 26, 2019 9:53 am
Forum: Personal Investments
Topic: Need HSA investment advice
Replies: 9
Views: 652

Re: Need HSA investment advice

When do you need the money, and how old are you now? If many years will transpire before you plan on using the money, I would invest 100% stocks. For ours, we do a 1/3 Vanguard 500, 1/3 Mid Cap, and 1/3 Small cap. I'm 39 and my wife is 38. So we're still a couple decades off retiring even if we wer...
by SerenityBlue
Fri Jul 26, 2019 9:39 am
Forum: Personal Investments
Topic: Need HSA investment advice
Replies: 9
Views: 652

Need HSA investment advice

I originally setup my HSA with the below recurring investment plan. However, my HSA provider no longer offers Vanguard Long Term Bond Index(VBLTX) shares for purchase. They plan to convert current shares of VBLTX to Vanguard Long-Term Bond Index Fund Admiral(VBLAX) but did not state they would be of...
by SerenityBlue
Thu Mar 28, 2019 3:53 pm
Forum: Personal Consumer Issues
Topic: Been hacked - search for my online accounts?
Replies: 9
Views: 1124

Re: Been hacked - search for my online accounts?

The below will let you search by email address or passwords you've used before and identify compromised accounts that are floating around on the Internet - https://haveibeenpwned.com/ https://haveibeenpwned.com/Passwords In case you're worried about the trustworthiness of the above site - https://ww...
by SerenityBlue
Thu Mar 14, 2019 12:58 pm
Forum: Personal Consumer Issues
Topic: What's Your Opinion on Nest Thermostats
Replies: 62
Views: 5829

Re: What's Your Opinion on Nest Thermostats

I can't speak from personal experience about the Nest, but when I was picking a smart thermostat last year, I picked the Ecobee 4 because it comes with 1 individual room temperature sensor that detects both the temp and room occupancy. For the Nest, you need to buy the sensors separately and they on...
by SerenityBlue
Sun Mar 10, 2019 11:24 am
Forum: Personal Investments
Topic: Robo advisors!
Replies: 38
Views: 4053

Re: Robo advisors!

I've only used Betterment and it made my portfolio unnecessarily complicated when I finally decided to self-manage my portfolio. That being said, they are great for beginner investors who are getting their toes wet and don't want to take the time out to educate themselves.
by SerenityBlue
Wed Mar 06, 2019 11:20 am
Forum: Personal Consumer Issues
Topic: Objective news source?
Replies: 69
Views: 2076

Re: Objective news source?

I think it's established based on all the responses that people's perspectives on news sources can vary and any Internet sources of information should be personally checked/validated. Also, it's always a good idea to utilize multiple sources of information when it comes to consuming news. :D
by SerenityBlue
Wed Mar 06, 2019 10:14 am
Forum: Personal Consumer Issues
Topic: Objective news source?
Replies: 69
Views: 2076

Re: Objective news source?

Don't know how accurate this is but their rankings look correct from my perspective.
https://www.adfontesmedia.com/

Image
by SerenityBlue
Wed Feb 27, 2019 11:36 am
Forum: Personal Investments
Topic: Next step in BH journey - Prepping for future backdoor Roth IRA opportunities
Replies: 13
Views: 700

Re: Next step in BH journey - Prepping for future backdoor Roth IRA opportunities

I received a copy of the rollover form from my 401k provider and extracted the relevant section. If I'm understanding this section correctly and the bolded/italicized/underlined parts, I can actually transfer to my 401k both the rollover IRA and other traditional IRA funds provided they are all taxa...
by SerenityBlue
Tue Feb 26, 2019 9:31 pm
Forum: Personal Investments
Topic: Next step in BH journey - Prepping for future backdoor Roth IRA opportunities
Replies: 13
Views: 700

Re: Next step in BH journey - Prepping for future backdoor Roth IRA opportunities

Does NJ state have qualified retirement plans? If so, I would check to make sure you need a backdoor Roth at all. That said, assuming you will have enough to max out all your other accounts, I wouldn't hesitate to roll the money into the 401k. You are paying $212/yr for $6000 tax advantaged space f...
by SerenityBlue
Tue Feb 26, 2019 6:11 pm
Forum: Personal Investments
Topic: Next step in BH journey - Prepping for future backdoor Roth IRA opportunities
Replies: 13
Views: 700

Re: Next step in BH journey - Prepping for future backdoor Roth IRA opportunities

the .17% is not ideal, but I would not consider it a deal breaker. I assume the .17% is also applied to your direct 401 contributions/holdings? Or do they charge extra just for the rolled over funds? If you make too much for a direct roth ira then it makes sense to set up for backdoor conversions (...
by SerenityBlue
Tue Feb 26, 2019 6:01 pm
Forum: Personal Investments
Topic: Next step in BH journey - Prepping for future backdoor Roth IRA opportunities
Replies: 13
Views: 700

Re: Next step in BH journey - Prepping for future backdoor Roth IRA opportunities

Another way to look at it: A) Leave the tIRA as is and invest taxably instead of Roth B) Move the tIRA to the 401k and invest in Roth For A you have - $125K growing at X%, providing some smaller spendable amount after deducting tax due on withdrawal. - $6K/yr growing at X% but in a taxable account,...
by SerenityBlue
Tue Feb 26, 2019 4:45 pm
Forum: Personal Investments
Topic: Next step in BH journey - Prepping for future backdoor Roth IRA opportunities
Replies: 13
Views: 700

Re: Next step in BH journey - Prepping for future backdoor Roth IRA opportunities

Sorry I did not read your previous threads, but based only on the question you posed here ... personally I do not consider 0.17% extra fee as something to be concerned about. That's a one time fee of $23, for the $14k Traditional IRA balance. It does not move the needle one way or the other. Less t...
by SerenityBlue
Tue Feb 26, 2019 4:05 pm
Forum: Personal Investments
Topic: Next step in BH journey - Prepping for future backdoor Roth IRA opportunities
Replies: 13
Views: 700

Next step in BH journey - Prepping for future backdoor Roth IRA opportunities

Background My journey to simplify our portfolio and position us for future tax opportunities continues. Back in July/Aug 2018 I was able to simplify tax-deferred/advantaged accounts to a 3-fund portfolio and finally in October '18, was able to do the same with my taxable accounts . The goal and why...
by SerenityBlue
Wed Feb 20, 2019 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Roth to Traditional IRA Recharacterization Question?
Replies: 1
Views: 158

Roth to Traditional IRA Recharacterization Question?

I went through the process of recharacterizing my 2018 Roth IRA contributions yesterday with Vanguard and have some confusion based on what I'm seeing under my IRA accounts. Based on my 2018 MAGI, I was able to calculate that I can deduct $2480 if placed in a Traditional IRA. This was important to m...
by SerenityBlue
Tue Feb 19, 2019 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: What's your tax filing strategy? (for commoners)
Replies: 31
Views: 1913

Re: What's your tax filing strategy? (for commoners)

For this year's taxes, I'm trying out https://www.freetaxusa.com/ which free Federal efiling and $12.95 for State efiling. There's a 10% coupon on the web that can further bring this down. I didn't use Credit Karma even though it's fully "free" cause it doesn't support foreign tax credit forms along...
by SerenityBlue
Fri Dec 21, 2018 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Struggling to accurately calculate if taking cash advance was worth it
Replies: 28
Views: 1915

Re: Struggling to accurately calculate if taking cash advance was worth it

Did you account for the $2,500 student loan interest tax deduction you are giving up as part of this process assuming your loans qualify?
by SerenityBlue
Fri Dec 21, 2018 11:46 am
Forum: Personal Investments
Topic: Just another noob worrying about the crash
Replies: 32
Views: 3949

Re: Just another noob worrying about the crash

Is all stock really too risky when you have a long horizon? I'm 100% in stock for tax + non-tax advantaged and while I understand this is an aggressive strategy, I thought this was mitigated somewhat by a long term time horizon (e.g., 8-10 years). No one is questioning a 100% stock portfolio as lon...
by SerenityBlue
Fri Dec 21, 2018 11:29 am
Forum: Personal Investments
Topic: Just another noob worrying about the crash
Replies: 32
Views: 3949

Re: Just another noob worrying about the crash

Sears used to be Amazon. Look at them now. Hopefully, Amazon has another 20 years before they become the next Sears but who knows. Yup, especially when it comes from the horse's mouth. https://www.forbes.com/sites/richardkestenbaum/2018/11/16/amazon-is-not-too-big-to-fail-bezos/#30d8433e1626 Jeff B...
by SerenityBlue
Tue Dec 18, 2018 11:42 am
Forum: Personal Investments
Topic: Is anyone's portfolio not tanking???
Replies: 129
Views: 14129

Re: Is anyone's portfolio not tanking???

I check my portfolio once a day just to see how it's doing and gauge my reaction. While it does pinch me to see the value of my portfolio smaller, the AA % difference between the stock vs bond AA is still much lower than my 5% threshold that would trigger a rebalancing to occur. My only regret is ha...
by SerenityBlue
Wed Oct 24, 2018 10:13 am
Forum: Personal Investments
Topic: Should I TLH/reallocate and take advantage of current market?
Replies: 14
Views: 1447

Re: Should I TLH/reallocate and take advantage of current market?

It looks like you're planning to put a bond fund in your taxable account. That's usually not a good idea from a tax efficiency standpoint. Most would recommend keeping all of your bonds in your 401 and/or tIRA. You can avoid the wash sale by purchasing non-Vanguard ETFs. For example, ITOT and IXUS ...
by SerenityBlue
Wed Oct 24, 2018 10:08 am
Forum: Personal Investments
Topic: Should I TLH/reallocate and take advantage of current market?
Replies: 14
Views: 1447

Re: Should I TLH/reallocate and take advantage of current market?

You've expressed the desire to just make the move to the funds you specify. The easiest way is to just sell everything. As these were recently purchased, all will be covered shares and the custodian will report the sale to the IRS. When you do your taxes, the overall effect of the capital gains and...
by SerenityBlue
Tue Oct 23, 2018 5:32 pm
Forum: Personal Investments
Topic: Should I TLH/reallocate and take advantage of current market?
Replies: 14
Views: 1447

Re: Should I TLH/reallocate and take advantage of current market?

Any suggestions on how to better TLH with this list of ETF assets? Or should I give up on taking advantage of TLH and call it a win with the portfolio simplification and 0% long-term capital gains tax this move provides?
by SerenityBlue
Mon Oct 22, 2018 3:00 pm
Forum: Personal Investments
Topic: Should I TLH/reallocate and take advantage of current market?
Replies: 14
Views: 1447

Re: Should I TLH/reallocate and take advantage of current market?

I just came across another item that I did not consider. Would the whole TLH reason go out the window since I would be selling ETFs and buying VG funds that could overlap in asset classes essentially causing a wash sale? I'll add the ETFs I have in my original thread. You have some shown there that...
by SerenityBlue
Sun Oct 21, 2018 3:58 pm
Forum: Personal Investments
Topic: Should I TLH/reallocate and take advantage of current market?
Replies: 14
Views: 1447

Re: Should I TLH/reallocate and take advantage of current market?

I just came across another item that I did not consider. Would the whole TLH reason go out the window since I would be selling ETFs and buying VG funds that could overlap in asset classes essentially causing a wash sale? I'll add the ETFs I have in my original thread.
by SerenityBlue
Sat Oct 20, 2018 1:37 pm
Forum: Personal Investments
Topic: Should I TLH/reallocate and take advantage of current market?
Replies: 14
Views: 1447

Re: Should I TLH/reallocate and take advantage of current market?

If the re-characterization has not yet happened, the opportunity may have passed. https://www.irs.gov/retirement-plans/ira-faqs-recharacterization-of-ira-contributions Thanks for reply. I noticed I did not mention that I'm recharacterizing our regular 2018 IRA contributions that were made to our rI...
by SerenityBlue
Sat Oct 20, 2018 1:06 pm
Forum: Personal Investments
Topic: Should I TLH/reallocate and take advantage of current market?
Replies: 14
Views: 1447

Re: Should I TLH/reallocate and take advantage of current market?

If the re-characterization has not yet happened, the opportunity may have passed. https://www.irs.gov/retirement-plans/ira-faqs-recharacterization-of-ira-contributions Thanks for reply. I noticed I did not mention that I'm recharacterizing our regular 2018 IRA contributions that were made to our rI...
by SerenityBlue
Sat Oct 20, 2018 9:52 am
Forum: Personal Investments
Topic: Should I TLH/reallocate and take advantage of current market?
Replies: 14
Views: 1447

Should I TLH/reallocate and take advantage of current market?

Background Back in July 2018 and with the help of BH, I started my journey towards simplifying to a 3-fund portfolio and reducing my management expenses by moving everything to Vanguard (except a couple stocks @ Fidelity) in August 2018. Unfortunately, because of how Betterment conducted rebalancin...
by SerenityBlue
Mon Jul 23, 2018 11:18 am
Forum: Personal Consumer Issues
Topic: Verizon streaming issues
Replies: 32
Views: 1618

Re: Verizon streaming issues

You can test your "Netflix" Internet speed by using the speed test website that Netflix developed. I'd suggest placing a tablet/laptop in the general area of your TVs while performing this test just to get a rough idea of the speed. This test is not fully accurate because the wireless network card a...
by SerenityBlue
Tue Jul 17, 2018 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Continue contributing to Roth or switch to Traditional?
Replies: 10
Views: 958

Re: Continue contributing to Roth or switch to Traditional?

Thanks for all the responses so far and the tools. I've started playing around with the spreadsheet for various what-if scenarios. Both our Roth IRA contributions occur on a weekly basis so for now I've put a stop on them while deciding on to proceed next. Sounds like for simplicity sake it would be...
by SerenityBlue
Mon Jul 16, 2018 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Continue contributing to Roth or switch to Traditional?
Replies: 10
Views: 958

Re: Continue contributing to Roth or switch to Traditional?

See IRS page on IRA deduction limits: https://www.irs.gov/retirement-plans/ira-deduction-limits When one is covered by an employer plan, there is an income limit that if exceeded would disallow TradIRA deduction. If Married Filing Jointly and only one spouse is covered by an employer plan like 401k...
by SerenityBlue
Mon Jul 16, 2018 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Continue contributing to Roth or switch to Traditional?
Replies: 10
Views: 958

Re: Continue contributing to Roth or switch to Traditional?

PFInterest wrote:
Mon Jul 16, 2018 10:36 am
you should be doing a trad 401k and rIRA.
Thanks, that is what I'm doing currently.
by SerenityBlue
Mon Jul 16, 2018 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Continue contributing to Roth or switch to Traditional?
Replies: 10
Views: 958

Continue contributing to Roth or switch to Traditional?

I'm in the process of rebalancing my portfolio towards a 3-fund portfolio. However, due to how Betterment reinvests dividends/rebalances our taxable portfolio, it will most likely trigger long-term/short-term gains when I reallocate them into the 3-funds I pick. Based on my calculation, my taxable i...
by SerenityBlue
Sun Jul 15, 2018 2:18 pm
Forum: Personal Investments
Topic: New and looking for help simplifying portfolio for FIRE(?)
Replies: 25
Views: 2445

Re: New and looking for help simplifying portfolio for FIRE(?)

Next Steps **COMPLETED** Research 401k/HSA funds and rebalance allocations based on funds picked for current and future contributions. Thanks to Soup Nazi's recommended fund list. Adjusted allocations to 80/20 and increased my desired international stock allocation to 30%. 401k: 50% Vanguard Total ...
by SerenityBlue
Thu Jul 12, 2018 11:52 am
Forum: Personal Investments
Topic: New and looking for help simplifying portfolio for FIRE(?)
Replies: 25
Views: 2445

Re: New and looking for help simplifying portfolio for FIRE(?)

Yes. That decision is up to you. For some people, simplicity is worth 36 basis points (.41-.05). Others are trying to squeeze every possible tenth of a percent out of their gains. 36 basis points would be quite a lot of money for a 401(k) account with $500K, but for an HSA account with $20K in it, ...
by SerenityBlue
Tue Jul 10, 2018 2:11 pm
Forum: Personal Investments
Topic: New and looking for help simplifying portfolio for FIRE(?)
Replies: 25
Views: 2445

Re: New and looking for help simplifying portfolio for FIRE(?)

Updated my original post's Next Steps to help prepare for Vanguard transfer and portfolio simplification. I think I've captured the initial steps on a high-level but would welcome any feedback. Next Steps Research Vanguard transaction costs for non-VG MF/ETFs/Stocks Determine cost basis for MFS/Bett...
by SerenityBlue
Tue Jul 10, 2018 11:06 am
Forum: Personal Investments
Topic: New and looking for help simplifying portfolio for FIRE(?)
Replies: 25
Views: 2445

Re: New and looking for help simplifying portfolio for FIRE(?)

Offhand, Delaware, Tennessee, and Georgia are on my radar for the great combination of reasonable real estate prices and low property taxes. States like Washington have low property taxes, but the housing prices (in the good areas) are sky high. Pennsylvania's better areas (like the Great Northeast...
by SerenityBlue
Tue Jul 10, 2018 11:05 am
Forum: Personal Investments
Topic: New and looking for help simplifying portfolio for FIRE(?)
Replies: 25
Views: 2445

Re: New and looking for help simplifying portfolio for FIRE(?)

Wow, props to you for doing all the math to figure out the minimal percentages of some of those holdings. Yes, simplify. I'm not even sure how to go about it with that many funds. But, some of them can only be a thousand or few thousand dollars. There can't be that much of a tax worry? Although, I ...
by SerenityBlue
Mon Jul 09, 2018 8:18 pm
Forum: Personal Investments
Topic: New and looking for help simplifying portfolio for FIRE(?)
Replies: 25
Views: 2445

Re: New and looking for help simplifying portfolio for FIRE(?)

I also suggest, if you do retire early, moving out of New Jersey. The property tax savings will help out then. Meanwhile, in a nutshell, consolidating into a typical 2-or-3-funder w/o any other expenses (like Betterment's) is the way to go. Following the Boglehead path is really not complicated (ju...
by SerenityBlue
Mon Jul 09, 2018 7:53 pm
Forum: Personal Investments
Topic: New and looking for help simplifying portfolio for FIRE(?)
Replies: 25
Views: 2445

Re: New and looking for help simplifying portfolio for FIRE(?)

It sounds like you are discussing a Roth conversion which is a different matter altogether. I simply meant to continue contributing pre-tax money to your 401k up to the $18,500 limit and then contribute additional funds over and above that as after tax 401k contributions. Then I would roll over onl...
by SerenityBlue
Mon Jul 09, 2018 6:30 pm
Forum: Personal Investments
Topic: New and looking for help simplifying portfolio for FIRE(?)
Replies: 25
Views: 2445

Re: New and looking for help simplifying portfolio for FIRE(?)

I appreciate any help/guidance you can give! I think there is a lot of good content above, but I would just add that a mega-backdoor roth would be a pretty high priority for me if I was in the 12% tax bracket. Not sure if this is a possibility with your 401k though. Thanks megabad! If I'm understan...
by SerenityBlue
Mon Jul 09, 2018 6:26 pm
Forum: Personal Investments
Topic: New and looking for help simplifying portfolio for FIRE(?)
Replies: 25
Views: 2445

Re: New and looking for help simplifying portfolio for FIRE(?)

pkcrafter, thanks for taking the time to review and reply to my giant post! My comments below: Welcome to the forum, Introduction I came across Bogleheads back in 2016 when I wanted to be more clued into investment choices, but totally got intimidated/overwhelmed with the amount of info available. Y...
by SerenityBlue
Mon Jul 09, 2018 5:55 pm
Forum: Personal Investments
Topic: New and looking for help simplifying portfolio for FIRE(?)
Replies: 25
Views: 2445

Re: New and looking for help simplifying portfolio for FIRE(?)

CyclingDuo, thanks for reading my massive post and giving your advice! My comments below: A quick suggestion would be to pick up a copy of Taylor Larimore's recently released Guide to the Three Fund Portfolio (eBook version is fine). It's a quick read and will - along with this website - help guide ...
by SerenityBlue
Mon Jul 09, 2018 5:28 pm
Forum: Personal Investments
Topic: New and looking for help simplifying portfolio for FIRE(?)
Replies: 25
Views: 2445

Re: New and looking for help simplifying portfolio for FIRE(?)

Soup Nazi, I appreciate the answers you gave to each of my questions! My follow-up is below: To answer your questions: 1. Yes! Simple is better. That first list of 14 funds in your joint taxable account made my head hurt. You may be too aggressive for someone your age who is planning to retire early...
by SerenityBlue
Mon Jul 09, 2018 5:03 pm
Forum: Personal Investments
Topic: New and looking for help simplifying portfolio for FIRE(?)
Replies: 25
Views: 2445

Re: New and looking for help simplifying portfolio for FIRE(?)

bloom2708, thank you for taking the time to review my post and giving me advice! :sharebeer I wrote my comments down below. Welcome! Simplification is the word. Taxable accounts will be the most work if you have gains. If not much long/short gains, then it is a great time to move/simplify. SB: I agr...
by SerenityBlue
Sun Jul 08, 2018 5:14 pm
Forum: Personal Investments
Topic: New and looking for help simplifying portfolio for FIRE(?)
Replies: 25
Views: 2445

New and looking for help simplifying portfolio for FIRE(?)

Introduction I came across Bogleheads back in 2016 when I wanted to be more clued into investment choices, but totally got intimidated/overwhelmed with the amount of info available. :oops: In my effort to be somewhat smart, I decided to instead invest with Betterment. Between getting married and a ...