Search found 10 matches

by johngabriell
Wed Sep 19, 2018 6:05 pm
Forum: Personal Investments
Topic: $20k Investment for 3-5 Years
Replies: 5
Views: 1394

Re: $20k Investment for 3-5 Years

Thanks all for your help.
by johngabriell
Wed Sep 19, 2018 12:39 pm
Forum: Personal Investments
Topic: $20k Investment for 3-5 Years
Replies: 5
Views: 1394

Re: $20k Investment for 3-5 Years

So you think I should stick with bonds or CDs. The problem is buying bonds for novice investor is kind of tricky. But thanks for your reply.
by johngabriell
Mon Sep 17, 2018 5:40 pm
Forum: Personal Investments
Topic: $20k Investment for 3-5 Years
Replies: 5
Views: 1394

$20k Investment for 3-5 Years

I have $20k free for 3-5 years. I have purchased 3 CDs from Marcus bank: CD 1: $5,000 - 3.10 (5 Yrs) CD 2: $5,000 - 2.60 (3 Yrs) CD 3: $5,000 - 2.55 (1 Yr ) Now I am left with $5k; I am thinking to buy Vanguard High-Yield Tax-Exempt Fund Investor Shares (VWAHX) for 3-5 years. Do you guys think its g...
by johngabriell
Thu Sep 13, 2018 5:27 pm
Forum: Personal Investments
Topic: Best bonds securities for Taxable account
Replies: 14
Views: 3170

Re: Best bonds securities for Taxable account

To expand on what exigent said, here's a table of the various municipal bond funds at Vanguard with their current tax equivalent SEC yields for the 22% bracket. Term Exp SEC Yield 22% TEY VMLTX Limited-Term Tax-Exempt Short 0.19 1.95 2.50 VWSTX Short-Term Tax-Exempt Short 0.19 1.68 2.15 VWITX Inter...
by johngabriell
Wed Sep 12, 2018 12:02 am
Forum: Personal Investments
Topic: Best bonds securities for Taxable account
Replies: 14
Views: 3170

Re: Best bonds securities for Taxable account

PFInterest wrote: Mon Sep 10, 2018 3:48 pm no. you should change your location possibly.
good? depends. will you always be in 22%?
I think it would go down in the coming years as I get close to the retirement.
by johngabriell
Tue Sep 11, 2018 7:26 pm
Forum: Personal Investments
Topic: Best bonds securities for Taxable account
Replies: 14
Views: 3170

Re: Best bonds securities for Taxable account

Currently, I have following allocation in my Taxable account: 90% - Vanguard Total Stock Market Index Fund (Admiral Shares) 10% - Vanguard Total Bond Market ETF Tax bracket:22% Plan to keep this money invested for 15-20 years Basically, my questions are: 1. Should I change my allocation? 2. Is Vang...
by johngabriell
Mon Sep 10, 2018 3:25 pm
Forum: Personal Investments
Topic: Best bonds securities for Taxable account
Replies: 14
Views: 3170

Best bonds securities for Taxable account

Currently, I have following allocation in my Taxable account: 90% - Vanguard Total Stock Market Index Fund (Admiral Shares) 10% - Vanguard Total Bond Market ETF Tax bracket:22% Plan to keep this money invested for 15-20 years Basically, my questions are: 1. Should I change my allocation? 2. Is Vangu...
by johngabriell
Thu Sep 06, 2018 12:37 pm
Forum: Personal Investments
Topic: Pay taxes on retirement saving now or later
Replies: 13
Views: 1942

Re: Pay taxes on retirement saving now or later

Thanks all for your help.
by johngabriell
Wed Sep 05, 2018 8:21 pm
Forum: Personal Investments
Topic: Pay taxes on retirement saving now or later
Replies: 13
Views: 1942

Re: Pay taxes on retirement saving now or later

Thanks for the replies, Let me clarify further:

Current Scenario:
22% tax bracket
Dependants: 4

Future Scenario:
22% tax bracket
Dependant:1

Should I go with roth IRA and r401k as I four dependants now and later I am going to have only one dependent or it doesn't make any difference?
by johngabriell
Wed Sep 05, 2018 7:18 pm
Forum: Personal Investments
Topic: Pay taxes on retirement saving now or later
Replies: 13
Views: 1942

Pay taxes on retirement saving now or later

Hello, I am new to the investing world and planning to start contributing to 401k & IRA. My wife and 3 kids are dependant on me which give me a good tax break. My question is if I should pay taxes on my retirement savings now when I have more dependants or later. At retirement, most probably I a...