Search found 120 matches

by Living Free
Mon Nov 19, 2018 12:07 pm
Forum: Personal Consumer Issues
Topic: New Crossover Confusion.....
Replies: 26
Views: 2065

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: 812

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: 437

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: 812

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: 1106

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: 427

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: 489

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: 863

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: 513

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: 7039

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: 1684

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: 921

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...
by Living Free
Wed Oct 31, 2018 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Term Life from $1MM to $2MM questions
Replies: 8
Views: 702

Re: Term Life from $1MM to $2MM questions

Current NW $7MM, Income $400K, probably for next 10 years. Current $11.2 MM estate exemption is slated to fall back to less than $6MM in 2025 if congress does not act. Will we have an estate tax event, we are not sure, but trying to be prudent about it. If two policies of $1MM each cost a total of ...
by Living Free
Tue Oct 30, 2018 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Investing for Retirement
Replies: 21
Views: 1545

Re: Help with Investing for Retirement

I'd recommend a vanguard target date fund for now (in the IRA) until you're able to read up more and come up with a good plan that you'll be happy with and able to stick with. the target date fund will be well diversified and relatively inexpensive.
by Living Free
Tue Oct 30, 2018 9:26 am
Forum: Investing - Help with Personal Investments
Topic: Deferred Compensation (457) Portfolio
Replies: 11
Views: 1255

Re: Deferred Compensation (457) Portfolio

I want to again thank those who provided advice. It really is appreciated. Now that I have re-balanced my 457 portfolio, I want to analyze my wife's Roth IRA. The account is with American Funds and all of her holding are in their AIVSX fund. https://www.americanfunds.com/individual/investments/fund...
by Living Free
Mon Oct 29, 2018 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Investing for Retirement
Replies: 21
Views: 1545

Re: Help with Investing for Retirement

the price you should be most concerned with is the expense ratio of the funds, not the price per share of an ETF. you can own growth and value stocks and stocks that pay dividends all through a total market stock index fund. that way you won't doubt yourself if value outperforms growth (or whatever ...
by Living Free
Mon Oct 29, 2018 8:31 pm
Forum: Investing - Help with Personal Investments
Topic: 8-month windfall check-in
Replies: 25
Views: 5110

Re: 8-month windfall check-in

Inherited IRA at Vanguard ~$70,000 VBTLX Vanguard Total Bond Market Index Fund Admiral Shares ~$40,000 VTIAX Vanguard Total International Stock Index Fund Admiral Shares Roth IRA at Vanguard ~$33,000 VTABX Vanguard Total International Bond Index Fund Admiral Shares I'd probably move the bonds from ...
by Living Free
Sat Oct 27, 2018 11:16 am
Forum: Investing - Help with Personal Investments
Topic: Help/advice on new investment plan - Vanguard funds, AA, and more
Replies: 7
Views: 571

Re: Help/advice on new investment plan - Vanguard funds, AA, and more

Any tips/resources on getting my ratios between bonds/stock/us/intl across all 4 accounts (401k, IRA, HSA, and taxable)? I'd focus on doing total US and/or international stock index funds in taxable and therefore you'll likely be overweighting bonds in your 401k. you might also want some relatively...
by Living Free
Thu Oct 25, 2018 3:54 pm
Forum: Investing - Help with Personal Investments
Topic: Help/advice on new investment plan - Vanguard funds, AA, and more
Replies: 7
Views: 571

Re: Help/advice on new investment plan - Vanguard funds, AA, and more

1. 90/10 is ok, I'd be 80/20 though. is debatable 2. Looks like you've chosen a simple 3 fund portfolio, for which you should find a lot of support around here 3. Invest according to you asset allocation in a taxable account. You might want to put extra bonds in the 401k, focus on total US and inter...
by Living Free
Wed Oct 24, 2018 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: Questions about saving for retirement - need basic advice
Replies: 15
Views: 1197

Re: Questions about saving for retirement - need basic advice

Every year I'd keep funding the Traditional IRA ($5,500), fund a Roth IRA (also $5,500), and contribute to a taxable brokerage account (as much as you have left over). do you mean a mix of traditional and roth IRA contributions up to $5,500 per year? Seems that total contributions for all non rollo...
by Living Free
Wed Oct 24, 2018 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Questions about saving for retirement - need basic advice
Replies: 15
Views: 1197

Re: Questions about saving for retirement - need basic advice

yes I agree consider opening a taxable/brokerage account at vanguard and invest in either total US stock market index fund and/or total international stock market index fund. I think with that much extra cash each year you'd max out even the HSA too if that is even an option. You might want to add s...
by Living Free
Wed Oct 24, 2018 8:45 am
Forum: Investing - Help with Personal Investments
Topic: Taxable Account investing help - portfolio included
Replies: 11
Views: 1381

Re: Taxable Account investing help - portfolio included

Losses are pretty small right now. Would you add VTSAX with new money coming into to the brokerage? Or continue adding to the 2 current funds for now, waiting to add VTSAX later when losses are harvested? I understand the general idea of tax loss harvesting but not all the fine details of maximizin...
by Living Free
Tue Oct 23, 2018 10:33 am
Forum: Investing - Help with Personal Investments
Topic: Taxable AA with an uncertain draw-down date
Replies: 3
Views: 210

Re: Taxable AA with an uncertain draw-down date

why not interested in tax deferred savings? do you mean just company sponsored plan like a 401k? what about an IRA? Roth IRA would definitely be preferable to a taxable account.
have you considered just stocks and cash in taxable and shift bonds into your tax deferred account?
by Living Free
Mon Oct 22, 2018 11:22 am
Forum: Investing - Help with Personal Investments
Topic: WWYD, OMY? Portfolio, Do we have enough?
Replies: 14
Views: 1330

Re: What would you do, hoping for final year or work.

So you have expenses of $2k per month, an investment portfolio of about $2million, each have or will have a pension, each social security, have several rental properties that are cash flow positive, and have an annuity? that sounds pretty fantastic. such diversity of income streams. I'd maybe consid...
by Living Free
Sun Oct 21, 2018 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: My Edward Jones IRA is out performing my Vanguard 401K
Replies: 76
Views: 9986

Re: My Edward Jones IRA is out performing my Vanguard 401K

My next big question is what do I do with the Vanguard 401K I currently have in the 2045 target fund/portfolio? Is it a good fund that I should just keep? I'm 36 so have lots of time before retirement. I just checked the plan fees and it says a .05% ER currently and my prior employer pays all other...
by Living Free
Sat Oct 20, 2018 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: VTIVX for both 401k & Roth IRA? [Vanguard Target Retirement 2045]
Replies: 3
Views: 396

Re: VTIVX for both 401k & Roth IRA? [Vanguard Target Retirement 2045]

If I was investing in just tax advantaged retirement accounts I'd strongly consider the vanguard target retirement or lifestrategy balanced funds as my choice for a "one fund portfolio." It would have an advantage in terms of simplicity. If you want to branch out and start doing it on your own, I'd ...
by Living Free
Sat Oct 20, 2018 7:26 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable Account investing help - portfolio included
Replies: 11
Views: 1381

Re: Taxable Account investing help - portfolio included

consider doing a backdoor roth ira for yourself if you're not already (I'm pretty sure your income exceeds the limit to do direct roth IRA contributions, given your tax bracket). looks like your husband has a traditional IRA so you'd need to get rid of that prior to doing it for him.
by Living Free
Sat Oct 20, 2018 7:19 pm
Forum: Investing - Help with Personal Investments
Topic: Robo or Self managed?
Replies: 15
Views: 1549

Re: Robo or Self managed?

Awesome replies. Thank you. @Flyer 24: If I'm going with self managed, what is the lazy 3 or 4 fund approach? How do I do rebalance myself? https://www.bogleheads.org/wiki/Three-fund_portfolio https://www.bogleheads.org/wiki/Lazy_portfolios Also, what benefits do I get on the Backdoor option and wh...
by Living Free
Sat Oct 20, 2018 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement options?
Replies: 10
Views: 2536

Re: Retirement options?

Thanks for all of the replies so really from what I understand the only thing I would really be missing out on would be the potential employer contribution that a 401k would offer vs a taxable account? Not only the match but the tax advantages of a 401k. Typically you put pre-tax money in a 401k th...
by Living Free
Fri Oct 19, 2018 10:49 am
Forum: Investing - Help with Personal Investments
Topic: Help simplify my portfolio
Replies: 12
Views: 1216

Re: Help simplify my portfolio

I do plan to use my 457 once I'm within a few years of retirement, so that the window of risk (being exposed to the creditors if my employer goes bankrupt) will be smaller. I have some withdrawal limitations in mine too - either all at once or divided equally per year over 10 years. I'd prefer the f...
by Living Free
Fri Oct 19, 2018 6:52 am
Forum: Investing - Help with Personal Investments
Topic: Help simplify my portfolio
Replies: 12
Views: 1216

Re: Help simplify my portfolio

Can you tell me more about the drawbacks of a non-governmental 457b? if your employer goes bankrupt the creditors can take your money from the non governmental 457. I have a non government 457 and don't use it for that reason. which is a bummer because I'd love to have additional tax advantaged spa...
by Living Free
Thu Oct 18, 2018 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: Kids inherited $8,000 each - 529 or regular brokerage?
Replies: 34
Views: 2354

Re: Kids inherited $8,000 each - 529 or regular brokerage?

This thread is interesting. I have two children who each have 529 plans and have struggled with this decision as well (when they get checks for christmas/birthday from their great-grandparents), 529 vs UTMA account. I was doing just 529 for a while, but when my daughter turned 3 I opened a UTMA. I'd...
by Living Free
Thu Oct 18, 2018 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Helping out with early onset Alzheimer's
Replies: 15
Views: 1785

Re: Helping out with early onset Alzheimer's

I agree with hesitation to pay off mortgage. even if house is paid off there is ongoing expenses (taxes, maintenance issues) so particularly with limited caregiver support moving to a facility if possible, with known fixed expenses might be simpler.
by Living Free
Thu Oct 18, 2018 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: Investment mix advice
Replies: 4
Views: 419

Re: Investment mix advice

Hello all, I am new to investing outside my 401k and just set up a brokerage account with slightly less than $20k in it. Current mix is: Vanguard life strategy Growth Fund 40% Vanguard 500 index fund, Vanguard Mid cap index fund, Vanguard small cap index - 20% each all investor shares I do want to ...
by Living Free
Thu Oct 18, 2018 6:52 pm
Forum: Investing - Help with Personal Investments
Topic: portfolio, plan and early retirement
Replies: 6
Views: 1476

Re: portfolio, plan and early retirement

6. Can I retire now? Maybe. with expenses of 45-55k per year and an invested portfolio of 1.3 million or so, you would probably be fairly close to 4% withdrawal rate. But also you'd presumably be getting some social security at some point in the future which would be a big help. And you could downs...
by Living Free
Thu Oct 18, 2018 4:08 pm
Forum: Investing - Help with Personal Investments
Topic: Finally ready to start investing in RothIRA (23yrs old)
Replies: 33
Views: 2041

Re: Finally ready to start investing in RothIRA (23yrs old)

I forgot to ask when investing in a taxable account would one invest differently? I know you mentioned investing in ETF's and making sure to be tax efficient (it might help that I am at one of the lowest taxes brackets I will ever be) , but are there any other considerations I should look at compar...
by Living Free
Thu Oct 18, 2018 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: Three Fund Questions
Replies: 4
Views: 576

Re: Three Fund Questions

Question #2) We have a Roth 401k, Roth & Trad IRA and an HSA that is maxed out annually without withdrawal. Any reason we would want to allocate differently within those? Example being would it make sense to withdraw from one before the other in retirement? General guide is to withdraw from taxable...
by Living Free
Thu Oct 18, 2018 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: TLH - mutual fund partner trios?
Replies: 12
Views: 593

Re: TLH - mutual fund partner trios?

could consider the vanguard S&P 500 index fund for a US stock index
by Living Free
Thu Oct 18, 2018 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Analysis/Advice
Replies: 3
Views: 362

Re: Portfolio Analysis/Advice

I'd focus on broad market index funds for the taxable accounts for tax efficiency purposes. So total US and/or total international stock market index funds. See https://www.bogleheads.org/wiki/Tax-eff ... _placement
by Living Free
Thu Oct 18, 2018 12:26 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement options?
Replies: 10
Views: 2536

Re: Retirement options?

Yes you must have a qualified health care plan to make HSA contributions. You can then use it to pay for medical expenses at any time. Or after age 65 you can withdraw the money for anything, without penalty, but you'll have to pay income tax on it (so it functions like a traditional IRA). Aside fro...
by Living Free
Thu Oct 18, 2018 12:11 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in Roth IRA: Hitting mutual fund limits at the beginning
Replies: 16
Views: 1321

Re: Investing in Roth IRA: Hitting mutual fund limits at the beginning

I agree with what everyone above is saying. Put it all in the target date fund (which is a 3 fund portfolio + international bond index fund) for now until you get enough cash in there then rebalance according to your desires. Or just one of the stock index mutual funds (either total US or total inte...
by Living Free
Wed Oct 17, 2018 8:52 am
Forum: Investing - Help with Personal Investments
Topic: Help simplify my portfolio
Replies: 12
Views: 1216

Re: Help simplify my portfolio

4. I did know that ETNHX had a rather high expense ratio. I do appreciate that the fund is comprised of morally sound healthcare companies. In my mind with them averaging 17% over the past 5 years, it made sense to keep kicking into the fund even though I was losing 1.45%. Is this logic faulty? I t...
by Living Free
Tue Oct 16, 2018 8:31 pm
Forum: Investing - Help with Personal Investments
Topic: Am I hitting the important asset classes?
Replies: 9
Views: 999

Re: Am I hitting the important asset classes?

Background: I come from a family that has shied away from heavy equity investments. My parents went down the route of investing in real property each time they save up enough to do so (and spend a lot of weekends doing the landlording thing). I learned quite quickly that this was not a desirable st...
by Living Free
Tue Oct 16, 2018 8:20 pm
Forum: Investing - Help with Personal Investments
Topic: Using Target Date Funds as Buckets
Replies: 3
Views: 347

Re: Using Target Date Funds as Buckets

seems reasonable to invest more heavily in equities in the fund you plan to use later, particularly if it's going to be more than a decade. Often people will recommend putting bonds preferentially into a 401k or traditional IRA and more stock heavy investments in roth for that reason. also, what is ...
by Living Free
Tue Oct 16, 2018 8:56 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio reconfiguration
Replies: 4
Views: 494

Re: Portfolio reconfiguration

Below is a summary of my portfolio. How it is readable - though a little different than the format suggested. I really just copied a spreadsheet into this block. Married with 2 children: 1 college graduate (debt free); 1 sophomore (debt free, so far). Goal: Reconfigure portfolio for (1) protection ...
by Living Free
Tue Oct 16, 2018 7:57 am
Forum: Investing - Help with Personal Investments
Topic: Help simplify my portfolio
Replies: 12
Views: 1216

Re: Help simplify my portfolio

Hi Bogleheads. Thanks for any and all advice you may have. I'm a high income earner in a LCOL state with 4 kids who doesn't want to work forever. We give 10% of our gross so our tax burden is lessened quite a bit in that regard. I feel like my allocations could be simplified a bit but don't have th...
by Living Free
Tue Oct 16, 2018 7:40 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio, Investments, Spending Feedback - What would you tweak?
Replies: 9
Views: 646

Re: Portfolio, Investments, Spending Feedback - What would you tweak?

Temp account (long-time BHer). Appreciate some insights and feedback on my allocations and questions below. Thanks BHs! Emergency funds: 5 months in FICA high-yield (1.9%) Debt: Mortgage - $700k at 3.375% (10/1 ARM, 3 years in), $62k car loan at 0.99% Tax Filing Status: Married, Filing Jointly Tax ...
by Living Free
Mon Oct 15, 2018 9:02 pm
Forum: Investing - Help with Personal Investments
Topic: Assets Allocation
Replies: 3
Views: 382

Re: Assets Allocation

Hello all - I am 40 years old married, with 2 kids. Both spouses working. Here is my asset allocation. Any suggestion to diversify more into real estate or any other thought on improving for my asset allocation. 1 Saving - 26% 2 Index Fund/Stock/401k/529 - 46% 3 Real Estate/House equity - 25% 4 Sta...
by Living Free
Mon Oct 15, 2018 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Next Steps
Replies: 3
Views: 327

Re: Portfolio Next Steps

I'd agree with paying off the student loans. savings rate is up to you. I'd say you should do at least 20% of gross income (some would say bare minimum is 15%) and really try to save as much as possible (some people save 50% or more per year). It will make a huge difference if you save a lot during ...
by Living Free
Mon Oct 15, 2018 1:37 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for 401k advice
Replies: 8
Views: 581

Re: Looking for 401k advice

2. Any and all advice welcome to improve retirement savings, etc. if you have any money left over after maxing out the 401k, consider an IRA after that. If you make a lot of money you might have to do a backdoor roth IRA. I would favor investing in a regular taxable/brokerage account over a non-ded...