Search found 158 matches

by Living Free
Mon Jan 21, 2019 8:58 am
Forum: Investing - Help with Personal Investments
Topic: Military Paying down Mortgage Early
Replies: 9
Views: 333

Re: Military Home Purchase

Whether buying or renting makes sense in your situation comes down to what costs are covered for you by the military, vs. what costs you bear. If you bear none of the costs, but simply make a profit (or loss) based on selling price (they pick up move, temp housing, realtor commission, etc.), then y...
by Living Free
Mon Jan 21, 2019 8:46 am
Forum: Investing - Help with Personal Investments
Topic: Asset allocation and risk evaluation for family with high equity income every year
Replies: 5
Views: 526

Re: Asset allocation and risk evaluation for family with high equity income every year

Are you doing the backdoor roth for your IRA contributions? Why did you do the vanguard star fund for the 529 and not an age based option? I also agree with simplifying your taxable account (I'd get rid of wealthfront - see prior threads about people having trouble removing themselves from that situ...
by Living Free
Mon Jan 21, 2019 8:28 am
Forum: Investing - Help with Personal Investments
Topic: Military Paying down Mortgage Early
Replies: 9
Views: 333

Re: Military Home Purchase

I would favor renting over buying a home if you're only going to be in that location for 3 years. I'd max out retirement accounts prior to investing in a taxable account. Unless you have absolutely horrible retirement accounts. I suspect you have the TSP which is supposed to be a great account, but ...
by Living Free
Tue Jan 15, 2019 9:57 am
Forum: Investing - Help with Personal Investments
Topic: Need Advice on Building Taxable Account
Replies: 12
Views: 982

Re: Need Advice on Building Taxable Account

If you're at fidelity then you'd want to use ETFs instead of mutual funds. Mutual funds at companies other than vanguard are less tax efficient so ETFs are favored in taxable unless at vanguard in which case it doesn't matter. Drawback of ETFs is no automatic payments and not being able to buy speci...
by Living Free
Sat Jan 12, 2019 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: Target Date Retirement Fund or 3-Fund Portfolio
Replies: 9
Views: 989

Re: Target Date Retirement Fund or 3-Fund Portfolio

Those fidelity freedom index funds seem pretty nice. I have some in my wife's roth ira (will prob do stock index funds there eventually). it's basically a 3 fund portfolio with some long term treasuries thrown in.
by Living Free
Sat Jan 12, 2019 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: New member - close to retirement, and looking to simplify
Replies: 9
Views: 890

Re: New member - close to retirement, and looking to simplify

What is the cost basis like on those taxable investments?
If you have any that have a loss I'd favor selling and trying to move as much of the taxable account as possible to broad market stock index funds (then put extra bonds in the traditional IRA to reach your desired AA)
by Living Free
Sat Jan 12, 2019 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: Target Date Retirement Fund or 3-Fund Portfolio
Replies: 9
Views: 989

Re: Target Date Retirement Fund or 3-Fund Portfolio

Sure, particularly if the account is smaller then a target date fund would be a nice simple choice. Given it's a tax advantaged account you could always change it up in the future without worrying about capital gains taxes if you accumulated more in there or had some other reason to change what targ...
by Living Free
Thu Jan 10, 2019 9:36 am
Forum: Investing - Help with Personal Investments
Topic: Advice for taxable investing
Replies: 1
Views: 318

Re: Advice for taxable investing

I'd consider just investing exclusively in the broad market stock index funds in taxable for tax efficiency purposes. So VTSAX and/or the total international stock index funds. Then increase your bond or cash holdings in your 401k to compensate. See the following: https://www.bogleheads.org/wiki/Pla...
by Living Free
Wed Jan 09, 2019 10:11 am
Forum: Investing - Help with Personal Investments
Topic: How Much to Invest in 401K vs IRA
Replies: 18
Views: 1054

Re: How Much to Invest in 401K vs IRA

We have $70K in a checking account. This represents our emergency fund ($50K which is enough to last one year) and savings for the next vehicle we are going to purchase ($20K and growing each month until we get to $25K). The emergency fund amount of $50K is what we would need if we both lost our jo...
by Living Free
Tue Jan 08, 2019 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Investing
Replies: 11
Views: 457

Re: HSA Investing

I would invest as much of it as you can. It can function as a traditional IRA later in life (after age 65), so you don't even have to use it on medical expenses. But if you do use it on qualified medical expenses then you get deduction going in, tax free growth, and spending tax free. If you're able...
by Living Free
Tue Jan 08, 2019 11:18 am
Forum: Investing - Help with Personal Investments
Topic: How to calculate how much to contribute to 401k to reach the maximum limit by years end?
Replies: 11
Views: 673

Re: How to calculate how much to contribute to 401k to reach the maximum limit by years end?

I don't have any specific recommendation other than to check often and do the calculations at least a few times during the year and more often as year end approaches. I think that the #1 priority should be to ensure you get the match each pay period and #2 is to max out for the year. So this past ye...
by Living Free
Tue Jan 08, 2019 11:09 am
Forum: Investing - Help with Personal Investments
Topic: IRA help
Replies: 26
Views: 992

Re: IRA help

OK, good job getting the match. You didn't mention the wife's debt in the first post. You should consider posting in the asking portfolio questions format ( https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 ) to make sure that you include all relevant details. I also think you'd be better he...
by Living Free
Tue Jan 08, 2019 8:20 am
Forum: Investing - Help with Personal Investments
Topic: IRA help
Replies: 26
Views: 992

Re: IRA help

Guys, I'm 42 years old. I have a Vanguard IRA with $5,100 in it. I am currently adding $500 per month, which comes out to the $6,000 yearly max. I have about $100,000 of debt. $80, 000 is student loans, $20,000 is a car. I earn about $74,000 per year before taxes. My IRA holds only a Vanguard 2045 ...
by Living Free
Tue Jan 08, 2019 8:15 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Traditional Index Funds TIF and ETF (VFINX and VOO)
Replies: 4
Views: 230

Re: Vanguard Traditional Index Funds TIF and ETF (VFINX and VOO)

see the wiki post: https://www.bogleheads.org/wiki/ETFs_vs_mutual_funds I have both etfs and traditional mutual funds. I prefer the mutual funds but really either is fine. I would not expect a difference in yield or volatility between VOO and VFINX. Also VFINX just closed so it's actually just VFIAX...
by Living Free
Tue Jan 08, 2019 7:59 am
Forum: Investing - Help with Personal Investments
Topic: 8-month windfall check-in
Replies: 36
Views: 7526

Re: 8-month windfall check-in

I'd probably move the bonds from the Roth IRA to the inherited IRA. Hold mostly stock index funds in the roth IRA. I'd do the same. ________________ May I ask rationale please, on bonds in inherited Roth, and stock index in regular Roth? (Is it related to taxation on distributions?). ...Thanks The ...
by Living Free
Mon Jan 07, 2019 10:12 am
Forum: Investing - Help with Personal Investments
Topic: Tax-Efficient Funds for Taxable Account
Replies: 16
Views: 1775

Re: Tax-Efficient Funds for Taxable Account

Good call on making a thoughtful decision regarding your taxable investments, as you don't want to find yourself in a position years later wanting to sell to change and have to face a big tax bill. similar to what magicrat said: I invest in the vanguard total US and total international stock market ...
by Living Free
Fri Jan 04, 2019 11:20 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review Nearing Retirement
Replies: 9
Views: 1100

Re: Portfolio Review Nearing Retirement

nesdog wrote:
Thu Jan 03, 2019 11:59 am

His Vanguard 401K
VTSAX Total Stk Mkt .04 (4%)
VWINX Wellesley .22 (3%)
VFIIX Ginnie Mae .21 (2%)

Franklin California Tax Free .59 (4.0%)
Are you holding a tax free fund in a tax advantaged account? You should change that investment if that is the case.
by Living Free
Sat Dec 29, 2018 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: Where to deploy extra cash
Replies: 6
Views: 572

Re: Where to deploy extra cash

I misstated my intentions. I meant to say we intend to fund 75%+ of the cost of an in-state university. I would rather underfund slightly than overfund. The rest could come from our taxable account. We do intend to pay for the full four years, if feasible. I agree with the concern about over-fundin...
by Living Free
Sat Dec 29, 2018 1:24 pm
Forum: Investing - Help with Personal Investments
Topic: Where to deploy extra cash
Replies: 6
Views: 572

Re: Where to deploy extra cash

why not a full 4 years of tuition into the 529? do you plan to have more kids?
I think splitting the difference as you've proposed is fine. that way if she doesn't go to college or whatever then you won't have as much penalty to pay to use the 529 money for other purposes.
by Living Free
Sat Dec 29, 2018 1:08 pm
Forum: Investing - Help with Personal Investments
Topic: 401k advice
Replies: 13
Views: 871

Re: 401k advice

Thanks for all the advice, I'm glad I found this forum. My plan moving forward is to switch to the lower fee Vanguard funds for my 401k: VANG INST INDEX PLUS (VIIIX) 32% VANG SM CAP IDX INST (VSCIX) 8% VANG DEV MKT IDX IS (VTMNX) 20% VANG TOT BD MKT INST (VBTIX) 40% I will look to max out my 401k f...
by Living Free
Thu Dec 27, 2018 9:55 pm
Forum: Investing - Help with Personal Investments
Topic: 401k advice
Replies: 13
Views: 871

Re: 401k advice

I'm new to Bogleheads and looking for some 401k advice. I currently participate in an employer Fidelity 401k plan where 100% is invested in the following blended investment fund: JPMCB SR PB 2035 CFB (0.23% fee) I'll be 50 next year so I'm trying to decide if I should stick with my current investme...
by Living Free
Wed Dec 26, 2018 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: Question re consolidating funds while equities are down
Replies: 3
Views: 331

Re: Question re consolidating funds while equities are down

So you're selling stock funds to buy a different stock fund (total market index fund)? I suppose it depends on how closely correlated the mixture of the stock funds are to the total market. If for instance small caps were down 50% and total market was down only 20% and you had just small caps then y...
by Living Free
Tue Dec 25, 2018 7:18 pm
Forum: Investing - Help with Personal Investments
Topic: Good time for a Roth conversion?
Replies: 4
Views: 614

Re: Good time for a Roth conversion?

Vanguard has a recent paper that includes a discussion of this scenario (converting an existing trad IRA without basis in order to open up the possibility of a backdoor IRA). Looks like the relevant discussion starts on page 7 at "BETR gets lower when it opens a backdoor." "A “BETR” approach to Rot...
by Living Free
Tue Dec 25, 2018 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting Partners to Avoid Wash Sale
Replies: 6
Views: 603

Re: Tax Loss Harvesting Partners to Avoid Wash Sale

For US total stock index consider vanguard large cap index fund (mutual fund VLCAX, ETF ticker VV)
For total international stock index fund consider FTSE all world ex US index fund at vanguard (VFWAX for mutual fund or VEU for ETF)
by Living Free
Tue Dec 25, 2018 11:04 am
Forum: Investing - Help with Personal Investments
Topic: Good time for a Roth conversion?
Replies: 4
Views: 614

Re: Good time for a Roth conversion?

Good Morning Bogleheads, Due to our income, we are unable to contribute directly to a Roth IRA or get a deduction for traditional IRA contributions. I do backdoor Roth contributions (& also max out 403b and do taxable acct investing) but my wife has a rollover traditional IRA from a prior 401k. It ...
by Living Free
Tue Dec 25, 2018 9:58 am
Forum: Investing - Help with Personal Investments
Topic: Good time for a Roth conversion?
Replies: 4
Views: 614

Good time for a Roth conversion?

Good Morning Bogleheads, Due to our income, we are unable to contribute directly to a Roth IRA or get a deduction for traditional IRA contributions. I do backdoor Roth contributions (& also max out 403b and do taxable acct investing) but my wife has a rollover traditional IRA from a prior 401k. It c...
by Living Free
Tue Dec 18, 2018 3:49 pm
Forum: Investing - Help with Personal Investments
Topic: Opening my first Roth IRA what should I know/tips
Replies: 5
Views: 480

Re: Opening my first Roth IRA what should I know/tips

I m also plan on opening a high yield savings account to put my emergency fund in as rates are around 2%. its this the best option for ease of access to funds, returns, and safety? I also use an online high yield savings account for my emergency fund. I think the other reasonable option would be so...
by Living Free
Tue Dec 18, 2018 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: 2018 Investment newbie, questions on Risk Tolerance, fix a mistake in my 401k, and bond % for my needs
Replies: 2
Views: 194

Re: 2018 Investment newbie, questions on Risk Tolerance, fix a mistake in my 401k, and bond % for my needs

1. What should my Bond AA % be? Looking at the target date funds, I currently place it at 15% but unsure if that is too aggressive for a 10-15 year horizon. If 15% too low for use with rebalancing with the way the market is currently heading for the short term? 2. I struggle with figuring out the r...
by Living Free
Mon Dec 10, 2018 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: Made an unwise investment, help solicited
Replies: 41
Views: 3580

Re: Made an unwise investment, help solicited

Any recommendations on a replacement fund? Thanks! as others have said, a total stock market index fund or total international stock market index fund are nice for investing in a taxable account. so at vanguard VTSAX or VTI (mutual fund vs ETF; I'd recommend starting with mutual fund if you're not ...
by Living Free
Sun Dec 09, 2018 8:38 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review for 29 & 30 year olds.
Replies: 18
Views: 1962

Re: Portfolio review for 29 & 30 year olds.

Fantastic net worth given ages and incomes, so well done! I'm personally not into real estate investing so I'm not very savvy with it. But what will happen to the cash flow situation with your properties when the mortgage rates go up? I presume this might vary from property to property. Is that emer...
by Living Free
Sun Dec 09, 2018 8:12 pm
Forum: Investing - Help with Personal Investments
Topic: 20M Inheritance - What is best option for small/no risk on principal?
Replies: 93
Views: 12072

Re: 20M Inheritance - What is best option for small/no risk on principle?

I believe that the FDIC limit of $250k still applies to CDs: https://www.fdic.gov/deposit/covered/notinsured.html . So you'd need to buy a lot of different CDs to hold and insure your full amount. I agree with above that I'd want at least some stocks. Treasuries would be nice too. That’s the beauty...
by Living Free
Thu Dec 06, 2018 10:58 am
Forum: Investing - Help with Personal Investments
Topic: 20M Inheritance - What is best option for small/no risk on principal?
Replies: 93
Views: 12072

Re: 20M Inheritance - What is best option for small/no risk on principle?

I believe that the FDIC limit of $250k still applies to CDs: https://www.fdic.gov/deposit/covered/notinsured.html. So you'd need to buy a lot of different CDs to hold and insure your full amount.
I agree with above that I'd want at least some stocks. Treasuries would be nice too.
by Living Free
Sun Dec 02, 2018 9:24 pm
Forum: Investing - Help with Personal Investments
Topic: Could use some advice for balancing/simplifying portfolio
Replies: 10
Views: 885

Re: Could use some advice for balancing/simplifying portfolio

If you could list the expense ratios that would be helpful. I also agree with getting your EF beefed up prior to doing aggressive investing (but don't miss out on the match!). It looks like you have an S&P 500 and a bond index fund in each of the tax deferred retirement accounts (the 403b, 457, and ...
by Living Free
Thu Nov 29, 2018 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Buying with no interest
Replies: 22
Views: 2076

Re: Buying with no interest

I agree with paying cash (or rather paying with a cash back credit card and then paying that off right away). I don't think it's worth it to go through the hassle of financing this and further I'm philosophically against using credit to purchase depreciating consumer items. Paying with cash has many...
by Living Free
Thu Nov 29, 2018 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Taxable Account Question
Replies: 17
Views: 2077

Re: Vanguard Taxable Account Question

You could invest in muni-bonds in your taxable account if it makes sense from a tax standpoint. An alternative strategy (one that I currently use) is to overweight bonds in your tax deferred accounts and then use tax efficient broad market stock index funds in your taxable account. If you need to a...
by Living Free
Tue Nov 27, 2018 10:16 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Taxable Account Question
Replies: 17
Views: 2077

Re: Vanguard Taxable Account Question

You could invest in muni-bonds in your taxable account if it makes sense from a tax standpoint. An alternative strategy (one that I currently use) is to overweight bonds in your tax deferred accounts and then use tax efficient broad market stock index funds in your taxable account. If you need to ac...
by Living Free
Wed Nov 21, 2018 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: Wife's new 401k options
Replies: 10
Views: 764

Re: Wife's new 401k options

First, thank you for this site. Have read for the last few years and generally practice the 3-fund portfolio. I am 52 with 401k balance of $750k+ split roughly 49% total US stock index, 34% total US bond index and 17% total international stock. Am good with that and readjust allocation annually. Al...
by Living Free
Wed Nov 21, 2018 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: First Time Mutual Fund Tax Loss Harvesting
Replies: 5
Views: 347

Re: First Time Mutual Fund Tax Loss Harvesting

Hey everyone, I'm cashing out shares of my VASGX Vanguard LifeStrategy Growth fund to go towards a down payment. I've got long term gains and short term losses...not ideal. I'd like to harvest the short term losses all on their own for this transaction, right? With the amount I currently need to wi...
by Living Free
Mon Nov 19, 2018 12:07 pm
Forum: Personal Consumer Issues
Topic: New Crossover Confusion.....
Replies: 26
Views: 2218

Re: New Crossover Confusion.....

My wife requires that if we get a new car it must have heated seats and unfortunately, they aren't standard in lower trims Here is the where the pre-buyers remorse kicks in. We will have this car for 10+ years so we better like it.. Who cares about $1600 more dollars we are going to live in this ve...
by Living Free
Wed Nov 14, 2018 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: Better funds than VTSAX and VEA?
Replies: 13
Views: 951

Re: Better funds than VTSAX and VEA?

why do you buy VEA, the vanguard FTSE developed market index, and not VXUS, the vanguard total international stock market index? Why exclude emerging markets? I have utter discomfort investing in the Chinese stocks. Born and raised in China I know its stock market is consisted of panic sellers and ...
by Living Free
Wed Nov 14, 2018 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: Brand new to the forum, getting a plan ready for my finances
Replies: 2
Views: 476

Re: Brand new to the forum, getting a plan ready for my finances

I like the idea of putting spare money to be locked away in VTSAX. VYM intrigues me though, blue chip high dividend I think would serve my needs. I would set it up to automatically reinvest dividends. Will this be in a tax advantaged account or a taxable account? With the latter, if you use a high ...
by Living Free
Wed Nov 14, 2018 11:55 am
Forum: Investing - Help with Personal Investments
Topic: Better funds than VTSAX and VEA?
Replies: 13
Views: 951

Re: Better funds than VTSAX and VEA?

why do you buy VEA, the vanguard FTSE developed market index, and not VXUS, the vanguard total international stock market index? Why exclude emerging markets?
by Living Free
Wed Nov 14, 2018 11:52 am
Forum: Investing - Help with Personal Investments
Topic: How am I doing?
Replies: 6
Views: 1148

Re: How much to Save?

32.2% savings rate is great. Maybe once your wife goes back to work that will be an even higher percentage. How much assets do you have right now and what is your target retirement age? I'm generally in favor of high savings rates though if you plan on a more traditional retirement age you might be ...
by Living Free
Sun Nov 11, 2018 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: liquid funds and advice on portfolio
Replies: 4
Views: 446

Re: liquid funds and advice on portfolio

I was looking for some advice regarding my portfolio and where to invest my liquid funds - Background; I am in my early 30's and net household income is $180,000 annual (pretax). One kid with a plan for a second. I have about $170,000 in my 0.8% APY savings account. Currently have a mortgage on a h...
by Living Free
Sun Nov 11, 2018 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: 403 B [Assistance to select funds]
Replies: 6
Views: 505

Re: 403 B

do you get a match in the 403b? If you do then you should really prioritize contributing enough to get the full match. Then if you don't have enough money after that to do both the full amount per year into an IRA and 403b probably focus on maxing out the IRA then go back to max out the 403b as much...
by Living Free
Fri Nov 09, 2018 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: Target Date vs 2 or 3 Fund Portfolio
Replies: 7
Views: 896

Re: Target Date vs 2 or 3 Fund Portfolio

I'm a fan of the vanguard target date funds. that or lifestrategy funds from vanguard would be a great choice if investing solely in tax advantaged accounts. such beautiful simplicity. if also doing taxable account investing the tax efficiency comes into consideration and you might want to break it ...
by Living Free
Fri Nov 09, 2018 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: VIG (and SCHD etc) [tilting towards dividend stocks]
Replies: 6
Views: 586

Re: VIG (and SCHD etc) [tilting towards dividend stocks]

Is there any particular reason you want the dividend paying ETF rather than a broad market or S&P 500 etf? Somewhat rhetorical - many would say to focus on total return rather than dividends. With less dividends you have more control of when you take the distribution of cash from the funds via selli...
by Living Free
Sun Nov 04, 2018 1:52 pm
Forum: Investing - Theory, News & General
Topic: 2019 Retirement Contribution Limits Announced
Replies: 54
Views: 7262

Re: 401k/IRA contribution limits rise for 2019...

I'll be taking advantage. My wife currently is at home with the kids so we have less retirement account "space" available, so this is increase is very welcome!
by Living Free
Sat Nov 03, 2018 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: Help a new guy!
Replies: 21
Views: 1722

Re: Help a new guy!

Just do a vanguard target date fund or lifestrategy fund (lifestrategy growth would be 80/20) for now till you get more resources and time to think/plan before constructing your own portfolio.
by Living Free
Thu Nov 01, 2018 6:30 pm
Forum: Investing - Help with Personal Investments
Topic: What to Do?
Replies: 5
Views: 948

Re: What to Do?

4.) How do I invest the LS buyout amount? Would DCA be prudent given the current high CAPE ratios? Also, with high yield saving accounts paying over 2% would it be prudent to park money there while I DCA? You could do DCA if it makes you more comfortable compared to lump sum. Of course the risk wit...