Search found 10 matches

by robert411
Thu Mar 28, 2019 8:03 am
Forum: Personal Investments
Topic: Guidance on 401k Funds
Replies: 17
Views: 1539

Re: Guidance on 401k Funds

Hi @ExitStageLeft,

Ahh.. that is an excellent point! Thanks so much for that nugget. :happy
by robert411
Wed Mar 27, 2019 2:45 pm
Forum: Personal Investments
Topic: Guidance on 401k Funds
Replies: 17
Views: 1539

Re: Guidance on 401k Funds

Hi @lakpr,

yes, the amount is small, about 1300. So I will roll it to the Vanguard IRA once the pre-tax funds are out of there, then contribute another 4700 and do the Backdoor Roth conversion.

Thanks again for your help.
by robert411
Wed Mar 27, 2019 10:04 am
Forum: Personal Investments
Topic: Guidance on 401k Funds
Replies: 17
Views: 1539

Re: Guidance on 401k Funds

Hi All, I have a follow-up question regarding the Backdoor Roth IRA - I understand that I need to move the pre-tax 401k funds from my Vanguard traditional IRA to my 401k before I do the Backdoor Roth IRA. However I just realized that I have a prior traditional IRA @ TRoweprice that has a small amoun...
by robert411
Sun Mar 17, 2019 8:59 pm
Forum: Personal Investments
Topic: Guidance on 401k Funds
Replies: 17
Views: 1539

Re: Guidance on 401k Funds

Hi @Duckie,

thank you so much for your feedback!

Thanks,
Robert.
by robert411
Sun Mar 17, 2019 8:50 pm
Forum: Personal Investments
Topic: Guidance on 401k Funds
Replies: 17
Views: 1539

Re: Guidance on 401k Funds

Hi @ruralavalon,

thank you so much for the details, and for providing the wiki link. I really appreciate it.

Thanks,
Robert.
by robert411
Thu Mar 14, 2019 5:43 pm
Forum: Personal Investments
Topic: Guidance on 401k Funds
Replies: 17
Views: 1539

Re: Guidance on 401k Funds

Hi @ruralavalon, thanks so much! Also thanks for the details and the links, this is all very useful. I think I like the 50/20/30 (us stock/intl stock/bond) ratio, Jack Bogle recommended no more that 20% international, and with 30% in bonds I'd be a bit more aggressive than the age in bonds rule of t...
by robert411
Thu Mar 14, 2019 4:22 pm
Forum: Personal Investments
Topic: Guidance on 401k Funds
Replies: 17
Views: 1539

Re: Guidance on 401k Funds

@lakpr, thank you for setting me straight, and for walking me through it. What I was missing earlier was the fact that I can do a backdoor roth conversion each year. I had initially thought it's a one time only deal, so didn't really get the point if I still can't contribute to it periodically, due ...
by robert411
Thu Mar 14, 2019 12:16 pm
Forum: Personal Investments
Topic: Guidance on 401k Funds
Replies: 17
Views: 1539

Re: Guidance on 401k Funds

@ lakpr Thanks so much for responding. Unfortunately I am over the phaseout limit for contributing to a Roth IRA. With that in mind, would your suggestions still apply? Based on prior advice, I thought Roth IRA isn't feasible as converting the old 401k to Roth IRA would come with a very large tax bi...
by robert411
Thu Mar 14, 2019 11:52 am
Forum: Personal Investments
Topic: Guidance on 401k Funds
Replies: 17
Views: 1539

Re: Guidance on 401k Funds

@wetgear Thanks so much for the response. When taking the 'questionnaire' on Vanguard's site, their recommendation was 85/15, which seems to be in line with the TR fund most closely matching my target retirement date. I think I've heard it on one of the Jack Bogle interviews that the TR funds are on...
by robert411
Wed Mar 13, 2019 10:24 pm
Forum: Personal Investments
Topic: Guidance on 401k Funds
Replies: 17
Views: 1539

Guidance on 401k Funds

Hello Bogleheads, I am (unfortunately) new to the world of investing, but educating myself full speed. I have just finished Jack Bogle's The Little Book of Common Sense, learned a lot, now reading JL Collins' The Simple Path to Wealth, then on to the Bogleheads Guide series. I'm amazed of the wealth...