Search found 285 matches

by Living Free
Mon Jun 24, 2019 9:26 am
Forum: Personal Investments
Topic: VTIVX for both 401k & Roth IRA? [Vanguard Target Retirement 2045]
Replies: 10
Views: 732

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

Could you please list the expense ratios of the funds?
by Living Free
Wed Jun 19, 2019 9:06 am
Forum: Personal Investments
Topic: What is a mega backdoor Roth?
Replies: 5
Views: 808

Re: What is a mega backdoor Roth?

You need to have a 401k plan that will allow you to do what you need (make after tax contributions and do in service rollover to a roth IRA - I've also seen someone on here mention that their 401k allowed rollover to Roth 401k in the plan from the after tax contributions to the 401k. or you wait til...
by Living Free
Wed Jun 19, 2019 9:03 am
Forum: Personal Investments
Topic: Retirement Ready?
Replies: 33
Views: 3806

Re: Retirement Ready?

What does your spending look like now? Will you plan to get health insurance through the wife's job until medicare age?
by Living Free
Tue Jun 18, 2019 10:46 am
Forum: Personal Consumer Issues
Topic: IPhone 6 - showing some age
Replies: 67
Views: 4434

Re: IPhone 6 - showing some age

I did an iphone 6 battery replacement about a month ago. Bought my iphone 6 in 2015 and it was having issues with draining quickly overall and draining abruptly in large increments unpredictably. I brought it to the apple store and they made some adjustments but that didn't solve the issue. The phon...
by Living Free
Fri Jun 14, 2019 11:01 am
Forum: Personal Consumer Issues
Topic: Buy Mini-Van Tomorrow or No?
Replies: 59
Views: 3271

Re: Buy Mini-Van Tomorrow or No?

I'd favor getting a cheaper mini-van and paying cash (benefit of paying cash is that you get to experience the full amount of pain of handing over that much money, which compels you to spend less money on cars). In my area I can find 2015-2016 odyssey or sienna for $17-18k pretty easily with sub 50k...
by Living Free
Fri Jun 14, 2019 10:33 am
Forum: Personal Investments
Topic: Help me with my 401k asset allocation
Replies: 8
Views: 548

Re: Help me with my 401k asset allocation

Current allocations: 21.29% S&P 500 Indexed Equity Fund 3.06% TD Ameritrade SDB securities (Vanguard VO & VB) .44% MSCI EAFE Indexed Equity Fund 37.4% Company Common Stock Fund 17.19% U.S Equity Fund 1.13% Global Equity Fund 19.39% Small/Mid Cap Indexed Equity Fund About a month ago I made some cha...
by Living Free
Wed Jun 12, 2019 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Budgeting: Where to park earmarked funds for large annual purchases
Replies: 4
Views: 377

Re: Budgeting: Where to park earmarked funds for large annual purchases

SWAGX: Schwab U.S. Aggregate Bond Index Fund SWCAX: Schwab California Tax-Free Bond Fund SWNTX: Schwab Tax-Free Bond Fund I think you'd need to calculate the tax equivalent yield for those to see which is best for your situation. Because I presume you're holding these in a taxable account. Another ...
by Living Free
Wed Jun 05, 2019 3:51 pm
Forum: Personal Investments
Topic: New Wife Old Investments
Replies: 4
Views: 1087

Re: New Wife Old Investments

1. Current investments - good/bad? expense ratios are higher than necessary. I'd do one of the options below 2. What options can she choose to mimic a 25% Bond, 20% International, and 55% US AA (aside from a TRGT Retirement Fund)? The vanguard target retirement and lifestrategy funds and pretty sol...
by Living Free
Tue Jun 04, 2019 8:11 pm
Forum: Personal Investments
Topic: TSP vs mutual fund vs ETF
Replies: 11
Views: 892

Re: TSP vs mutual fund vs ETF

Half of my IRA savings is in the the TSP C Fund. "investment objective is to match the performance of the Standard and Poor's 500 (S&P 500) Index, a broad market index made up of stocks of 500 large to medium-sized U.S. companies." ... the 2018 TSP net expense ratio* of .040% is 4.0 basis points. E...
by Living Free
Tue Jun 04, 2019 8:03 pm
Forum: Personal Investments
Topic: 401k options - Choose a bond fund or two target funds to get AA?
Replies: 16
Views: 802

Re: 401k options - Choose a bond fund or two target funds to get AA?

I'd just use the vanguard target 2025 or 2030 as recommended above. the only annoying part will be that your allocation will change over time on it's own per the "glide path" so you'll just need to check every few years to make sure you're ok with what it's changed to. but really that's not such a b...
by Living Free
Tue Jun 04, 2019 10:53 am
Forum: Personal Investments
Topic: 29 year old, just closed account at Morgan Stanley and seeking advice
Replies: 5
Views: 1267

Re: 29M, just closed account at Morgan Stanley and seeking advice

1. Investments - I plan on investing in the Fidelity Total Market Index Fund (FSKAX), Fidelity Total International Index Fund (FTIHX), and Fidelity U. S. Bond Index Fund (FXNAX) in my tax-advantaged accounts. However, I understand that it may be advantageous to be in ETFs in my taxable account (to ...
by Living Free
Mon Jun 03, 2019 11:54 am
Forum: Personal Investments
Topic: wash-sale rule and ETFs
Replies: 17
Views: 1256

Re: wash-sale rule and ETFs

I have nothing new to add, only want to agree with above advice to sell all the S&P 500 funds and buy VTSAX with those proceeds and claim the loss. Simplify and diversify and claim a tax loss all at once. I suppose you could also see if VTSAX has a greater loss and sell that and buy the 500 fund ins...
by Living Free
Mon Jun 03, 2019 11:46 am
Forum: Personal Investments
Topic: Looking to re-vamp my retirement savings after ditching my advisor
Replies: 4
Views: 750

Re: Looking to re-vamp my retirement savings after ditching my advisor

3. Are some index ETFs better and more advisable over mutual funds? Not if you're investing exclusively in tax advantaged accounts - there are some differences but for a long term investor either is fine https://www.bogleheads.org/wiki/ETFs_vs_mutual_funds . (certainly some index ETFs are better th...
by Living Free
Thu May 30, 2019 10:32 am
Forum: Personal Consumer Issues
Topic: Good small SUV or AWD sedan recs
Replies: 39
Views: 1948

Re: Good small SUV or AWD sedan recs

I would try to aim for $10-15k for a vehicle for her. Why buy a new $25k car only to have to worry about it getting dinged and banged up while parked on a city street? What percentage of her gross annual income is $25k? I'd look for used CRV/forester/impreza/crosstrek if AWD is a must, 2015 and newe...
by Living Free
Tue May 28, 2019 11:07 am
Forum: Personal Investments
Topic: CD - EF Strategy
Replies: 13
Views: 727

Re: CD - EF Strategy

How much more money will you make with this strategy vs just using a high yield online savings account or vanguard money market fund? Just need to decide if the hassle is worth it or not.
by Living Free
Mon May 27, 2019 11:33 am
Forum: Personal Investments
Topic: HSA Fee Question
Replies: 6
Views: 421

Re: HSA Fee Question

I didn't have a huge amount in my HSA at health equity but transferred to fidelity earlier this year for precisely this reason.
by Living Free
Mon May 27, 2019 11:30 am
Forum: Personal Investments
Topic: Short Term holding suggestions
Replies: 4
Views: 299

Re: Short Term holding suggestions

I don't know of any FDIC savings accounts offering better than 2.5% after review of bankrate.com. Vanguard prime MM fund is less than 2.5% right now too. Some vanguard bond funds might have slightly higher yields, but then there's some concern for risk of principal.
by Living Free
Fri May 24, 2019 7:43 am
Forum: Personal Finance (Not Investing)
Topic: VTWAX vs VTSAX in my taxable account
Replies: 4
Views: 783

Re: VTWAX vs VTSAX in my taxable account

I agree. Just add VTIAX to VTSAX.
by Living Free
Wed May 22, 2019 8:06 am
Forum: Personal Investments
Topic: Frozen by uncertainty, really want to unfreeze
Replies: 34
Views: 3292

Re: Frozen by uncertainty, really want to unfreeze

I have two 401ks. An old one that I was advised to keep and not roll up due to having class A shares in a big public company is currently sitting at $156k. The currently active 401k that I rolled everything up from since 2010 is at $104k and my current contribution rate is at 11% (company matches u...
by Living Free
Wed May 22, 2019 7:47 am
Forum: Personal Investments
Topic: Portfolio Strategy - help me improve my complicated portfolio!
Replies: 8
Views: 802

Re: Portfolio Strategy - help me improve my complicated portfolio!

Debt: Mortgage ~365K @ 3.625%, 30 yr fixed with 28.5 years left. Home is worth approx. $650K. Student Loan - about $16K @ 4.5% (floating at Prime minus 1%). It's a 20 year amort. with 12 years left. $135 a month minimum payment. Given how nominal it is, and the reasonable interest rate, I have been...
by Living Free
Wed May 22, 2019 7:30 am
Forum: Personal Investments
Topic: Cost dollar averaging and allocation advice needed.
Replies: 2
Views: 293

Re: Cost dollar averaging and allocation advice needed.

I'd put the bonds and REIT into the IRA presuming it's a traditional IRA. VTI sounds good to me; I'd add VXUS too (or the mutual fund version, VTIAX).If you want to do 25% bonds (which seems reasonable given your age) you might not have enough space in your IRA so you might need to do bond investing...
by Living Free
Mon May 20, 2019 8:34 am
Forum: Personal Investments
Topic: Portfolio - Please give me your thoughts
Replies: 8
Views: 1316

Re: Portfolio - Please give me your thoughts

welcome, ilovetowork! I'm not sure what your question is exactly, but given that you state that you want 20-30% in bonds, what is preventing you from re-balancing that in your 401K? I presume there are some bonds in her 401k in the target date funds, but otherwise you seem to have no bonds. I'd want...
by Living Free
Tue May 14, 2019 7:18 pm
Forum: Investing - Theory, News & General
Topic: Can future returns for the next 10 years really be predicted with CAPE?
Replies: 36
Views: 2236

Re: Can future returns for the next 10 years really be predicted with CAPE?

The Wizard wrote:
Tue May 14, 2019 2:09 pm
Living Free wrote:
Tue May 14, 2019 9:20 am
It's very hard to predict the future.
Actually, it's not.
But predicting ACCURATELY and CONSISTENTLY? Yeah that's really tough.
And the same goes for weather forecasting lately...
touché
by Living Free
Tue May 14, 2019 10:07 am
Forum: Investing - Theory, News & General
Topic: What Am I Missing Here
Replies: 15
Views: 1605

Re: What Am I Missing Here

If I require additional income, I will withdraw from my bond allocation so I don't eat losses from sustained by my equity allocation. I estimate my bond allocation to be approximately $800,000 total. I am assuming minimal loss from this allocation, even though it IS in a mutual fund and NOT a bond ...
by Living Free
Sun May 12, 2019 8:01 am
Forum: Personal Investments
Topic: Simplification and Back Door Roth Option?
Replies: 5
Views: 438

Re: Simplification and Back Door Roth Option?

Spirit Rider wrote:
Sat May 11, 2019 10:21 pm

Traditional IRA pre-tax and non-deductible basis is tracked separately for owned accounts and inherited accounts. The wife's Inherited IRA would not interfere in any way with a Backdoor Roth.
Good to know, thanks for the info.
by Living Free
Sat May 11, 2019 8:41 pm
Forum: Personal Investments
Topic: Simplification and Back Door Roth Option?
Replies: 5
Views: 438

Re: Simplification and Back Door Roth Option?

Questions: 1. How should the Kid’s 529 Plans and Inherited Roth IRAs be invested? a. The Inherited Roth IRAs are currently 15% VTIAX; 25% VBTLX; 60% VTSAX I do not really consider my kids' 529s to be part of my portfolio and to keep it simple I just use the age based option (I use the Nevada Vangua...
by Living Free
Sat May 11, 2019 8:04 pm
Forum: Personal Investments
Topic: What's my next step? (Edited / Updated with portfolio details)
Replies: 15
Views: 1499

Re: What's my next step?

I'm more inclined to go back to indexing because I'm sold on the fact that I can't beat the market but I can control costs. Is it a viable plan to keep the individual stock positions we already have and use indexes to flush out the rest of our asset allocation? I agree we just need more information...
by Living Free
Fri May 10, 2019 1:46 pm
Forum: Personal Investments
Topic: Rollover IRA - Ok to still contribute
Replies: 12
Views: 545

Re: Rollover IRA - Ok to still contribute

Hmmm I'm not sure I follow. I'm not asking if I can roll it into my new employer plan. I'm asking if I can contribute to a rollover IRA (rolled it from former employer to Vanguard) post tax and receive deferral treatment not pay tax on things like dividend reinvestment until withdrawal at retiremen...
by Living Free
Wed May 08, 2019 3:42 pm
Forum: Personal Investments
Topic: Advice on 401K contribution
Replies: 3
Views: 354

Re: Advice on 401K contribution

$19k each. Your likely phased partially or fully out of getting a tax break for contributing to a IRA on top of that however. The IRA deduction should depend on their income (specifically MAGI), correct? https://www.irs.gov/retirement-plans/2019-ira-deduction-limits-effect-of-modified-agi-on-deduct...
by Living Free
Tue May 07, 2019 2:19 pm
Forum: Investing - Theory, News & General
Topic: Knowing when to TLH
Replies: 12
Views: 1450

Re: Knowing when to TLH

I do what MotoTrojan does and track the ETF version to see the intra-day movements on a day when I have tentatively planned tax loss harvest, then try to put in the buy/sell order (actually I just use the "exchange" order at vanguard to swap to the tax loss harvesting mutual fund partner) between 3:...
by Living Free
Mon May 06, 2019 9:16 am
Forum: Personal Investments
Topic: Portfolio review request
Replies: 6
Views: 746

Re: Portfolio review request

What are the plans for the $150k in the high yield savings account?
by Living Free
Mon May 06, 2019 7:36 am
Forum: Personal Investments
Topic: Can we retire by 40??
Replies: 22
Views: 3915

Re: Can we retire by 40??

Desired Asset allocation: ? ... 3. Am I being unwise by being so heavy in cash/equivalents? Thinking I should be more aggressive in the retirement portfolio given time horizon there, but in the taxable accounts I like having a lot of cash on hand should real estate opportunities come up. It does se...
by Living Free
Wed May 01, 2019 9:27 am
Forum: Personal Finance (Not Investing)
Topic: How much life insurance?
Replies: 8
Views: 1007

Re: How much life insurance?

One rule of thumb is 10x your gross salary. I'd probably do 1 million in your situation and consider some for your wife too. Look for term life insurance - check term4sale.com to see what rates you should expect and they also recommend an agent too I think. Look for companies with higher financial r...
by Living Free
Tue Apr 30, 2019 10:52 am
Forum: Personal Investments
Topic: Dividends: do you like cash or reinvestment?
Replies: 19
Views: 1964

Re: Dividends: do you like cash or reinvestment?

Here's the question: given these circumstances, would you continue to reinvest in a position like this or start taking the dividends in cash, especially given that they only "cost" 15% in tax? You will pay tax on the dividends whether you re-invest the money or use it for any other purpose. If I ha...
by Living Free
Mon Apr 29, 2019 8:15 pm
Forum: Personal Investments
Topic: 80 year old investment ideas?
Replies: 15
Views: 1061

Re: Investing for an 80 year old

Sounds like a shorter time horizon given age and possible health issues, so I agree with being more conservative. But I think more information would be helpful. Some information about tax bracket and other sources of income might help re what sorts of bond options might be best. I presume this money...
by Living Free
Mon Apr 29, 2019 8:07 pm
Forum: Personal Investments
Topic: Dividends: do you like cash or reinvestment?
Replies: 19
Views: 1964

Re: Dividends: do you like cash or reinvestment?

Here's the question: given these circumstances, would you continue to reinvest in a position like this or start taking the dividends in cash, especially given that they only "cost" 15% in tax? You will pay tax on the dividends whether you re-invest the money or use it for any other purpose. If I ha...
by Living Free
Sat Apr 27, 2019 8:25 pm
Forum: Personal Investments
Topic: Reallocations and next steps?
Replies: 1
Views: 216

Re: Reallocations and next steps?

I've just discovered and read through the basics of Bogleheads investing and could use some help. I know I need to reallocate because I'm heavily over-invested in stocks, and I also know that we are behind on how much we should have saved. We are a two-income household, both 38yo, no kids. We are 5...
by Living Free
Wed Apr 24, 2019 5:22 pm
Forum: Personal Investments
Topic: Getting into investing
Replies: 17
Views: 1238

Re: Getting into investing

I agree that if you want to invest for the long term use a Roth IRA at this point. You can even withdraw contributions if you do need it. Ok to use ETFs if you want, I'd just recommend sticking with broad market ETFs for now (such as VTI and VXUS for stock ETFs). Or just use a target date fund such ...
by Living Free
Wed Apr 24, 2019 2:28 pm
Forum: Personal Investments
Topic: Advice on picking 3-fund 401k portfolio at Fidelity
Replies: 4
Views: 250

Re: Advice on picking 3-fund 401k portfolio at Fidelity

sure you could add extended market to the 500 index fund if you'd like to get exposure to the small/mid caps. You could also use your IRA to hold the international stocks and do just the US stocks and bonds in the employer sponsored plan.
by Living Free
Wed Apr 24, 2019 2:12 pm
Forum: Personal Investments
Topic: Advice on picking 3-fund 401k portfolio at Fidelity
Replies: 4
Views: 250

Re: Advice on picking 3-fund 401k portfolio at Fidelity

Do you think that the dodge and cox fund will outperform the index fund by over 0.56% per year going forward? There is also manager risk in that dodge and cox fund and it's less diversified at just 77 long and 23 short holdings vs 935 holdings in the fidelity index fund (which is apparently a develo...
by Living Free
Tue Apr 23, 2019 9:41 pm
Forum: Personal Investments
Topic: What about small/mid caps?
Replies: 7
Views: 1480

Re: What about small/mid caps?

I'm not too familiar with T Rowe Price but a quick look at the bond mutual funds shows lowest expense ratios around 0.2%. Is that what you see also?

Do you have access to any fund you want from any brokerage within your employer sponsored plan? Can you post a list of your available bond funds?
by Living Free
Tue Apr 23, 2019 4:01 pm
Forum: Personal Investments
Topic: What about small/mid caps?
Replies: 7
Views: 1480

Re: What about small/mid caps?

Hello, I have some questions regarding choice of mutual funds, specifically which type of Growth funds I should be in. I have a Roth with a 3 fund portfolio strategy (technically its 4 funds because I own a dividend ETF as well) However, i am more asking this for my employer sponsored account. I ha...
by Living Free
Tue Apr 23, 2019 3:59 pm
Forum: Personal Investments
Topic: Please critique our plan
Replies: 18
Views: 1436

Re: Please critique our plan

I'd probably add at least another $1 million of umbrella liability insurance. Should be pretty cheap.
by Living Free
Tue Apr 23, 2019 3:49 pm
Forum: Personal Investments
Topic: 403b options for three fund vs Fid Freedom 2050
Replies: 2
Views: 192

Re: 403b options for three fund vs Fid Freedom 2050

I agree, yes to both. The ER on that fidelity freedom fund is too high. You have good options to build your own 3 fund portfolio there, so I'd take advantage of that. If you're really concerned about lack of small/mid caps in the S&P500 fund you could just put an "extended market" fund in an IRA (ro...
by Living Free
Thu Apr 18, 2019 10:45 am
Forum: Personal Investments
Topic: next dollar of savings
Replies: 39
Views: 3363

Re: next dollar of savings

It sounds like you have access to the mega backdoor Roth. In that instance I would favor that over any sort of taxable/brokerage account investing. So your options after maxing out your 401k (at whatever balance of Roth vs traditional is optimal; I agree with above that Roth is very attractive at yo...
by Living Free
Thu Apr 18, 2019 10:22 am
Forum: Personal Investments
Topic: Beginner question: best way to $ Cost Avg on sp500
Replies: 24
Views: 1909

Re: Beginner question: best way to $ Cost Avg on sp500

Yes. I do contibute to 401k(maxing) . it is target date fund(thinking about changing this to sp500 based too). i am not eligible for roth ira. as this is for use after 15 years. i learnt the rolling returns is positive (historically) with just sp500 for 10 years and above. i did not think about ass...
by Living Free
Sun Apr 14, 2019 10:47 am
Forum: Personal Investments
Topic: how to invest in taxable account for 6 years
Replies: 16
Views: 1473

Re: how to invest in taxable account for 6 years

I think that you do have the flexibility to invest a good chunk of this money in stocks, but you've got to decide how much that percentage will be (sounds like you're going to put about half in stocks). Worst case scenario if the market tanks right before you want to buy this house it seems you'd st...
by Living Free
Tue Apr 09, 2019 7:06 am
Forum: Personal Investments
Topic: Balanced fund in Taxable Account for Misc. Spending
Replies: 7
Views: 674

Re: Balanced fund in Taxable Account for Misc. Spending

You can hold the bonds in your 401k and re-balance in that account if you need to withdraw stock funds in taxable to pay for things like a roof or whatever. So in effect you pay for the roof with whatever ratio of stocks to bonds you like despite only owning stocks in the taxable account and selling...
by Living Free
Thu Apr 04, 2019 8:43 pm
Forum: Personal Investments
Topic: Just opened Roth
Replies: 11
Views: 1011

Re: Just opened Roth

Do you have access to a workplace retirement account, such as a 401k?
Will the $3000 go into a taxable brokerage account?

The additional details that folks will see if you post all the information in the asking portfolio questions format would be very helpful.