Search found 17 matches

by dhuser
Fri Oct 11, 2019 8:34 am
Forum: Investing - Theory, News & General
Topic: BRK-A or BRK-B for our grandchildren?
Replies: 33
Views: 4237

Re: BRK-A or BRK-B for our grandchildren?

I doubt that the return is as important as getting them interested in long-term investing, so buying shares would go a long way into preparing them for the road ahead. That said, maybe buy both Berkshire stock and ETFs of either VTI or VOO (Total Stock Market or SP 500). That way they have both the ...
by dhuser
Fri Jul 12, 2019 9:39 am
Forum: Personal Consumer Issues
Topic: Automatic Watches
Replies: 92
Views: 6465

Re: Automatic Watches

Another vote for a Seiko 5 if you want an inexpensive automatic with a good movement to get started. I have had one for many years and quite like it. How often do you adjust the time? Every few (3-4) days. It also tends to run down if I don't wear it for a few days (such as on weekends). It seems t...
by dhuser
Thu May 09, 2019 2:24 pm
Forum: Personal Investments
Topic: Strategy for Selling Appreciated Stocks
Replies: 11
Views: 1109

Re: Strategy for Selling Appreciated Stocks

Thanks - another question regarding the DAF route - are fees for this taken directly out of the invested amount?
by dhuser
Thu May 09, 2019 1:38 pm
Forum: Investing - Theory, News & General
Topic: What is your U.S./ex-U.S. stock allocation?
Replies: 210
Views: 12832

Re: What is your U.S./ex-U.S. stock allocation?

80% US/20% Intl

Mainly skewed to US do to funds in 401k plan. I've upped taxable and IRA contributions recently to Intl to get closer to 70/30 split over the next year.
by dhuser
Thu May 09, 2019 8:28 am
Forum: Personal Investments
Topic: Strategy for Selling Appreciated Stocks
Replies: 11
Views: 1109

Re: Strategy for Selling Appreciated Stocks

Thanks for the feedback. I think I'll try to systematically sell over the next two years on a schedule to spread out the tax burden as evenly as possible and then TLH when opportunities present themselves. This way I can also spread out the new mutual fund investments instead of a lump-sum entry. As...
by dhuser
Wed May 08, 2019 10:07 am
Forum: Personal Investments
Topic: Strategy for Selling Appreciated Stocks
Replies: 11
Views: 1109

Strategy for Selling Appreciated Stocks

I'm trying to find a good (tax efficient) way to reconcile some of my investing habits, and hope you guys can offer some input. In my past, I dabbled in individual stock picking, but have directed my investments to index funds over the past year or so. However, I still have the individual stocks wit...
by dhuser
Fri May 03, 2019 7:05 am
Forum: Personal Investments
Topic: Bond fund choice? MWTSX vs VBTLX
Replies: 24
Views: 3163

Re: Bond fund choice? MWTSX vs VBTLX

I hold both, but primarily because MWTSX is the best bond optionin my 401k plan. With my account values, there's no way I could get to my desired bond percentage in just my IRAs, so I use MWTSX to supplement VBTLX that is in my IRA at Vanguard to maintain my overall allocation.
by dhuser
Mon Mar 04, 2019 9:23 am
Forum: Personal Investments
Topic: Lots of cash .. Scared to put it to work now
Replies: 207
Views: 18966

Re: Lots of cash .. Scared to put it to work now

The only way I can think to potentially ease your market fears is to: 1. Set an amount you are comfortable investing, maybe not the full amount of your savings, maybe even only half 2. Set an asset allocation that you are comfortable with for your investments. Maybe you'll decide to lean towards Bon...
by dhuser
Mon Mar 04, 2019 8:45 am
Forum: Personal Investments
Topic: TD Ameritrade Performance Tracking
Replies: 26
Views: 6850

Re: TD Ameritrade Performance Tracking

@jbow44 - Did you ever figure out how to track portfolio performance for your TD Ameritrade account? I have been trying to do the same and haven't found even a remotely sensible way to do that. I want to compare performance of my portfolio to key indexes - over different intervals - and I can't do ...
by dhuser
Fri Mar 01, 2019 8:47 am
Forum: Personal Investments
Topic: Roth IRA vs Roth Conversion
Replies: 14
Views: 1128

Re: Roth IRA vs Roth Conversion

Just to bookend this conversation, I have started a rollover to my 401k with the amount in my rollover tIRA. Once that's complete, I plan on doing the backdoor Roth for my annual contribution. Thanks for all of your help.
by dhuser
Tue Feb 26, 2019 9:37 pm
Forum: Personal Investments
Topic: Roth IRA vs Roth Conversion
Replies: 14
Views: 1128

Re: Roth IRA vs Roth Conversion

But what you said raises a different question for me. For the sake of argument, if I assume that I'm paying 28% in taxes (22% federal + 6% state), I would owe roughly $3,000 in taxes this year on the $10,000. On the flip side, if I leave it and let it grow, over 30 years, and average around a 4% re...
by dhuser
Tue Feb 26, 2019 9:34 pm
Forum: Personal Investments
Topic: Roth IRA vs Roth Conversion
Replies: 14
Views: 1128

Re: Roth IRA vs Roth Conversion

I would roll any pre-tax traditional IRA funds back into a 401k. Once your traditional IRA is only after tax funds, then I'd do the Roth Conversion. To your question, an immediate backdoor Roth is exactly the same as contributing to a regular Roth IRA. So if there's any risk that you can only do a ...
by dhuser
Tue Feb 26, 2019 6:38 pm
Forum: Personal Investments
Topic: Roth IRA vs Roth Conversion
Replies: 14
Views: 1128

Re: Roth IRA vs Roth Conversion

I have a question regarding contributions to IRAs and have been thinking it's not as difficult as I'm making it out to be. Some background: My wife and I are close on the contribution limits for a Roth IRA for tax year 2018, but we're also expecting our first child later this year. With her reduced...
by dhuser
Tue Feb 26, 2019 2:23 pm
Forum: Personal Investments
Topic: Roth IRA vs Roth Conversion
Replies: 14
Views: 1128

Re: Roth IRA vs Roth Conversion

Don't pay tax now, especially at 22 or 24%. Is spouse going to go back to work? If so, than I would make the conversion now since you may be over the income limit for the extended future. By not doing the backdoor roth, you would be forgoing significant tax advantaged space for 30+ years (assuming ...
by dhuser
Tue Feb 26, 2019 1:50 pm
Forum: Personal Investments
Topic: Roth IRA vs Roth Conversion
Replies: 14
Views: 1128

Re: Roth IRA vs Roth Conversion

First: look at pub 590-A Worksheet 2-1. Modified Adjusted Gross Income for Roth IRA Purposes One of the M odifications to AGI is to subtract Roth conversions. Even if you do a $1,000,000 Roth conversion it does not affect eligibility for a direct Roth contribution. Second: While there are minor dif...
by dhuser
Tue Feb 26, 2019 1:36 pm
Forum: Personal Investments
Topic: Roth IRA vs Roth Conversion
Replies: 14
Views: 1128

Re: Roth IRA vs Roth Conversion

A Roth Conversion should be considered when you are between work and social security. Let's say you quit at 60 and plan to take SS at 70. Those years when your income is purposefully low (you are not working) is when you should consider a Roth Conversion. When working Traditional IRA dollars conver...
by dhuser
Tue Feb 26, 2019 10:13 am
Forum: Personal Investments
Topic: Roth IRA vs Roth Conversion
Replies: 14
Views: 1128

Roth IRA vs Roth Conversion

I have a question regarding contributions to IRAs and have been thinking it's not as difficult as I'm making it out to be. Some background: My wife and I are close on the contribution limits for a Roth IRA for tax year 2018, but we're also expecting our first child later this year. With her reduced ...