Search found 22 matches

by ricqas1324
Wed Sep 18, 2019 2:07 pm
Forum: Investing - Theory, News & General
Topic: What happens to Bond Mutual funds when a recession hits?
Replies: 9
Views: 8078

Re: What happens to Bond Mutual funds when a recession hits?

Hello I had a question about bonds in 2019 So let me say I buy treasuries, lets say there is a recession 2020/2021 or even 2022. Lets say for sake of argument that interest rates turn negative what happens to the price (nav) of the treasury for example vglt (vanguard long term treasury) is sell at 8...
by ricqas1324
Sun Aug 18, 2019 12:48 pm
Forum: Investing - Theory, News & General
Topic: Thoughts on Ray Dalio's Risk Parity "All-Weather" portfolio?
Replies: 15
Views: 3043

Re: Thoughts on Ray Dalio's Risk Parity "All-Weather" portfolio?

Hello

How would negative interest rates effect the all weather porfolio in terms of returns?
I guess you could sell capital gains from allweather but this seems like the best strategy I have ever seen...
by ricqas1324
Tue Jul 23, 2019 5:54 pm
Forum: Personal Investments
Topic: hello [retirement finance questions]
Replies: 6
Views: 1454

Re: hello [retirement finance questions]

Ok I like the Canada option alot How do you manage the taxes? For example I believe they honor roth ira income tax free? What tax free investments are there in Canada? Can you invest in US securities in US brokerages while you are in Canada? Did you hire a tax accountant to consider this? I would li...
by ricqas1324
Mon Jul 15, 2019 9:52 pm
Forum: Personal Investments
Topic: hello [retirement finance questions]
Replies: 6
Views: 1454

Re: hello [retirement finance questions]

Great things to consider, thank you for the advice I just want to mention I was considering a roth ira conversion but I would have to pay taxes out of my own pocket even though I now live in a tax free state and even if I did that over the years, the income in the roth ira would go tax free but if y...
by ricqas1324
Mon Jul 15, 2019 9:41 pm
Forum: Personal Investments
Topic: Fidelity zero-fee index fund questions
Replies: 18
Views: 3882

Re: Fidelity zero-fee index fund questions

I actually did mostly large caps and then total market so autodeposit using dollar cost averaging a small amount say $150 per month in the large cap and 25$ in the total market. I am also using m1 finance for a stocks and etfs and an all weather pie. I am curious what happens if treasury yields go n...
by ricqas1324
Sun Jul 14, 2019 5:02 pm
Forum: Personal Investments
Topic: Fidelity zero-fee index fund questions
Replies: 18
Views: 3882

Re: Fidelity zero-fee index fund questions

This seems too good to be true any combination you would recommend, i want to put a small amount each month into these guys. I was going to stick with the total market or large cap one?
by ricqas1324
Sun Jul 14, 2019 5:00 pm
Forum: Personal Investments
Topic: Am I missing out on Roth IRA
Replies: 28
Views: 4756

Re: Am I missing out on Roth IRA

Hi

Does it make sense to do a conversion ira to roth ira

This comes back to hurt you if you apply for medicaid at a later time because the roth ira does not have to make a distribution and could disqualify you for medicaid if you end up in a nursing home at least until you spend down?
by ricqas1324
Sat Jul 06, 2019 5:10 pm
Forum: Personal Investments
Topic: hello [retirement finance questions]
Replies: 6
Views: 1454

hello [retirement finance questions]

hello I had multiple questions to ask post retirement I am thinking with one person you need 1 M to retire and for a spouse another 1M I am making the assumption any children would require both partners to keep working I am assuming a rate of return of at least 4% per year I am assuming no state inc...
by ricqas1324
Mon Jul 01, 2019 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: 457b [Want to set up a 457(b)]
Replies: 11
Views: 1311

Re: 457b

Ok sorry I need to explain myself better and you are right First I had an i401k and I converted it to a roth IRA done for the year but I did not max out the i401k, only the employee contributions when I was self employed from January to June of 2019. Once the i401k is closed and rolled over I cannot...
by ricqas1324
Sat Jun 29, 2019 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: 457b [Want to set up a 457(b)]
Replies: 11
Views: 1311

Re: 457b

case closed I did the math. The employer allows the 457b as I am a relief worker so I could do it and still stash away money and get that in 2020 but if I make more money in 2020 then same problem so it is not worth the effort. I was looking at married and single tax brackets for 2019 and got them m...
by ricqas1324
Thu Jun 27, 2019 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: 457b [Want to set up a 457(b)]
Replies: 11
Views: 1311

457b [Want to set up a 457(b)]

I want to set up the 457b for the following purposes I have a 6 month job that ends in 2019 I want to lower my overall income for tax purposes so I can do a roth ira conversion in a lower income bracket I want to take the distribution when I sever employment after my last day 12/31/19. I want to tak...
by ricqas1324
Fri Apr 12, 2019 11:19 pm
Forum: Personal Finance (Not Investing)
Topic: What happens to money in a 457 after leaving?
Replies: 23
Views: 4311

Re: What happens to money in a 457 after leaving?

Hello

If you work someplace for a year or less and you have a 457b is there any advantage to this at all? If you leave employment where can you put the money if you cannot roll it over other than distribute back to yourself?
by ricqas1324
Sun Apr 07, 2019 9:08 am
Forum: Personal Investments
Topic: portfolio advice
Replies: 4
Views: 553

Re: portfolio advice

Overall it is quite low Overall expense ratio average is 0.20 for all the etfs. I looked at portfolio xray. Pall vs Gld (Pall raises the expense ratio slightly) plus mastercard is a 4.95$ trading fee. If you utilize the max sharpe ratio which allocates more to TLT you get slightly less return but th...
by ricqas1324
Sun Apr 07, 2019 6:39 am
Forum: Personal Investments
Topic: portfolio advice
Replies: 4
Views: 553

portfolio advice

Hello After asking several questions and reviewing several posts in addition to reading other people's portfolios, I decided to invest mostly in index funds. I went to portfolio charts and portfolio visualizer and came up with the following: Ticker Name Allocation Ticker Name Allocation QQQ Invesco ...
by ricqas1324
Sat Apr 06, 2019 5:45 am
Forum: Personal Investments
Topic: high dividend investments
Replies: 34
Views: 2811

Re: high dividend investments

Sorry about this question. I am going to search and read the forums before I ask anymore questions I reviewed the three funds I mentioned earlier and if you track them on google finance, all of them are in the red from inception. These are risky and CEF are not a good long term investment. I am goin...
by ricqas1324
Fri Apr 05, 2019 8:05 am
Forum: Personal Investments
Topic: high dividend investments
Replies: 34
Views: 2811

high dividend investments

Hello I looked at the boards and could not see any post addressing the following funds all closed end funds USA Liberty All-Star Equity Fund | NYSE GAB Gabelli Equity Trust | NYSE JTD Nuveen Tax-Advantaged Dividend Growth Fund | NYSE These are all high dividend funds, high expense ratios but have be...
by ricqas1324
Wed Apr 03, 2019 10:27 pm
Forum: Personal Investments
Topic: Retirement Advice
Replies: 8
Views: 1450

Re: Retirement Advice

I will read everything you sent me and review it carefully.
So far I can find nothing on portfolio visualizer that beats an all weather portfolio.
This is bond heavy which would be good for fixed income.
by ricqas1324
Wed Apr 03, 2019 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: [Can I retire with these investments?]
Replies: 8
Views: 1498

Re: [Can I retire with these investments?]

Hello I agree with everything said. When I mention corporate I mean investment grade bonds. For example currently on Fidelity there are corporate bonds from Ford that pay 7% granted they are callable so that would give me my 35K nontax free and would also involve assumptions about the company. I wou...
by ricqas1324
Wed Apr 03, 2019 9:34 am
Forum: Personal Investments
Topic: Retirement Advice
Replies: 8
Views: 1450

Re: Retirement Advice

You are right I need to scratch this plan and revamp my plan. There is no such thing as free lunch I guess what I should be asking is what allows for growth like the sp500 but with more downside protection and less volatility perhaps I know there is the all season portfolio I looked that up on portf...
by ricqas1324
Sun Mar 31, 2019 11:22 am
Forum: Personal Investments
Topic: Retirement Advice
Replies: 8
Views: 1450

Retirement Advice

I am trying to coming with an allotment of vanguard etfs for long term retirement fund Growth Horizon 20+year-s Withdrawal amount 1-3% mostly in the form of dividends which will not be reinvested as well as any capital gains I could just go into voo but I want to minimize downside potential I will a...
by ricqas1324
Sun Mar 31, 2019 9:38 am
Forum: Personal Finance (Not Investing)
Topic: [Can I retire with these investments?]
Replies: 8
Views: 1498

Re: [Can I retire with these investments?]

Thank you kindly for your reply I will be more specific, I am eligible for social security but I am not sure if it will be there in retirement. My specific plan is to "hopefully" find a few municipal bonds or corporate bonds using 70% of my assets that will generate 30k per year (tax free if municip...
by ricqas1324
Sat Mar 23, 2019 9:07 am
Forum: Personal Finance (Not Investing)
Topic: [Can I retire with these investments?]
Replies: 8
Views: 1498

[Can I retire with these investments?]

[Moved into a new thread from: Is a million really the benchmark for retirement --admin LadyGeek] Hello I had a quick question to ask after reviewing the notes in his form. First of all I would like to retire with a total of 35000 to $45,000 a year I'm wondering what is the total principal I would ...