Search found 28 matches

by REITired
Mon Sep 07, 2020 7:14 pm
Forum: Personal Investments
Topic: Portfolio Review
Replies: 13
Views: 1027

Re: Portfolio Review

Rolling over IRAs would be nice to set up any future backside Roth conversions. Both of our IRAs are a mix of old 401k money from previous employers. Can probably talk to the provider, but has always been unclear if that rollover into a 401k is possible given the commingling of previous employer mo...
by REITired
Mon Sep 07, 2020 3:22 pm
Forum: Personal Investments
Topic: Portfolio Review
Replies: 13
Views: 1027

Re: Portfolio Review

I think she should look into opening a solo 401k instead of a SEP IRA. Look for a provider that will allow an incoming transfer of her Rollover IRA (E-Trade may allow this, but you'll need to confirm). If you'll truly be in the 24% federal bracket, then you'll need to utilize the backdoor conversio...
by REITired
Mon Sep 07, 2020 10:31 am
Forum: Personal Investments
Topic: Portfolio Review
Replies: 13
Views: 1027

Re: Portfolio Review

Are there any particular thoughts on the above bond fund selection (specifically in the IRAs)? Should we be looking to different funds? Focusing on different slices of the bond market? I think your bonds are fine. The total bond market contains a lot of different things. Given my wife has recently ...
by REITired
Sun Sep 06, 2020 9:36 pm
Forum: Personal Investments
Topic: Portfolio Review
Replies: 13
Views: 1027

Re: Portfolio Review

What's the approximate size of the total portfolio? To the nearest 100k is fine, it does not need to be super-accurate, but should be in the ballpark. The advice for someone who is able to save only $20k per year (for example) is going to be markedly different than the advice for someone who is abl...
by REITired
Sun Sep 06, 2020 8:14 pm
Forum: Personal Investments
Topic: Portfolio Review
Replies: 13
Views: 1027

Portfolio Review

Requesting thoughts and advice on our portfolio. This portfolio was a mess, underfunded, and riddled with speculation for many years. So anything to get us to the next level would be appreciated! The Basic Overview Emergency Fund: A bit more than six months of expenses in a 0.8% savings account Debt...
by REITired
Sat Sep 05, 2020 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: Accepting RSUs or Stock Options as a freelancer?
Replies: 2
Views: 399

Accepting RSUs or Stock Options as a freelancer?

My wife recently started freelancing for a handful of tech start ups. Many are looking to either completely or partially compensate her with RSUs/Option grants. Neither of us have experience receiving equity from a private company, but my gut reaction is that it doesn’t make very much sense for her ...
by REITired
Sat Aug 29, 2020 11:53 pm
Forum: Personal Investments
Topic: REIT Index Fund Location - VGSLX
Replies: 6
Views: 723

Re: REIT Index Fund Location - VGSLX

Roth or HSA
by REITired
Sun Aug 16, 2020 8:22 pm
Forum: Personal Investments
Topic: Talk me out of Covid 19 timing
Replies: 119
Views: 8161

Re: Talk me out of Covid 19 timing

I can kind of get it when someone is inching towards retirement, but man, oh man, the timing-based questions on THIS board are interestingly frequent.
by REITired
Sat Aug 15, 2020 1:47 pm
Forum: Personal Investments
Topic: Personal Advice 529 or UTMA
Replies: 9
Views: 652

Re: Personal Advice 529 or UTMA

We went 529, plus a joint brokerage account in our names... not a UTMA fan.
by REITired
Fri Aug 14, 2020 10:04 pm
Forum: Personal Investments
Topic: Best financial gift to give a newborn child
Replies: 47
Views: 4619

Re: Best financial gift to give a newborn child

I opened a brokerage account in my name. I have full control until I decide to distribute the money. My child doesn't know a thing. I funded the account with an S&P 500 fund. My son is about to turn one. When he was born, we started a 529 plan for him (fund it to annual NY tax deduction) and opened...
by REITired
Sun Aug 09, 2020 10:11 pm
Forum: Personal Investments
Topic: Looking for a cloud based portfolio tracker
Replies: 15
Views: 1743

Re: Looking for a cloud based portfolio tracker

+1 for googlesheets
by REITired
Sun Aug 09, 2020 10:00 pm
Forum: Personal Investments
Topic: Bonds or Payoff Mortgage (in my case).
Replies: 7
Views: 895

Re: Bonds or Payoff Mortgage (in my case).

Out of curiosity, what are the 7 tax advantaged accounts you've maxed out with your wife?
by REITired
Mon Jun 08, 2020 12:38 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1934
Views: 472755

Re: Share your net worth progression

Goodness, I sure am behind! A lot of fantastic stories on here.
by REITired
Tue Jun 02, 2020 7:30 pm
Forum: Personal Investments
Topic: Does every one here only have 3 funds in their portfolios?
Replies: 131
Views: 8259

Re: Does every one here only have 3 funds in their portfolios?

We (basically) use a four-fund portfolio for all 401k, IRA, and taxable accounts (based on tax efficiency). Our HSA is a bit more targeted.

Core four include Fidelity and Vanguard versions of:

- SP500
- Extended US
- Total International
- Total US bond

HSA includes:

- VGT
- VNQ
by REITired
Sun May 31, 2020 5:10 pm
Forum: Personal Investments
Topic: Have you been following your IPS?
Replies: 42
Views: 2115

Re: Have you been following your IPS?

I will say though, this crash has made me feel like I'm too conservative with my current bond holdings... will continue to monitor the situation :D
by REITired
Thu May 28, 2020 7:47 pm
Forum: Personal Investments
Topic: Have you been following your IPS?
Replies: 42
Views: 2115

Re: Have you been following your IPS?

Yes I have. Thank goodness.
by REITired
Wed May 27, 2020 9:20 pm
Forum: Personal Investments
Topic: If not 3 fund, whats your strategy ?
Replies: 66
Views: 4529

Re: If not 3 fund, whats your strategy ?

my core is:

Fidelity 500 Index Fund (FXAIX) 25%
Fidelity Extended Market Index Fund (FSMAX) 25%
Fidelity Total International Index Fund (FTIHX) 25%
Fidelity US Bond Market Index Fund (FXNAX) 25%
by REITired
Mon May 25, 2020 8:29 am
Forum: Personal Investments
Topic: Thinking of selling some SP 500 to buy more Wells Fargo
Replies: 75
Views: 5625

Re: Thinking of selling some SP 500 to buy more Wells Fargo

I would say, you tried, it failed.

It might not be as fun, but stick with SP500.
by REITired
Sun May 24, 2020 5:24 pm
Forum: Personal Investments
Topic: Has anyone ever used their Emergency Fund?
Replies: 92
Views: 7712

Re: Has anyone ever used their Emergency Fund?

Awesome responses in here. So interesting to see how so many different people define their "emergency fund". This has been great feedback everyone. I think our 6-month cushion suffices for now and will opt for a higher yielding bond fund or straight VTSAX with the knowledge that the investment could...
by REITired
Fri May 22, 2020 6:25 pm
Forum: Personal Investments
Topic: Has anyone ever used their Emergency Fund?
Replies: 92
Views: 7712

Re: Has anyone ever used their Emergency Fund?

I have. Why do you ask? PJW As I consider beefing up my Emergency Fund, I can't help but to think about the opportunity cost associated with not investing that additional cash in the market. So am trying to strike that balance between securing enough cash in case of an emergency vs. putting that ca...
by REITired
Fri May 22, 2020 6:20 pm
Forum: Personal Investments
Topic: Has anyone ever used their Emergency Fund?
Replies: 92
Views: 7712

Re: Has anyone ever used their Emergency Fund?

livesoft wrote: Fri May 22, 2020 6:00 pm Here is a past poll that you may find interesting:
viewtopic.php?t=35769
This is fantastic! Thanks for sharing.
by REITired
Fri May 22, 2020 5:46 pm
Forum: Personal Investments
Topic: Has anyone ever used their Emergency Fund?
Replies: 92
Views: 7712

Has anyone ever used their Emergency Fund?

Hello all - Newbie here with a bit of a market research question... I will preface this topic by saying that I 100% agree with having an Emergency Fund and currently have 6 months saved up in a "high-yield" savings account and have been thinking that my wife and I should beef that fund up to about 9...
by REITired
Mon May 18, 2020 7:38 pm
Forum: Personal Investments
Topic: Do you Max for 401k then go for mega backdoor or both concurrently?
Replies: 14
Views: 1049

Re: Do you Max for 401k then go for mega backdoor or both concurrently?

Thrifty Femme wrote: Mon May 18, 2020 8:43 am I do both concurrently for each paycheck.
I'm currently doing the same. :sharebeer

Typically am working towards the pre-tax 19,500 at a faster rate earlier on.
by REITired
Mon May 18, 2020 7:36 pm
Forum: Personal Investments
Topic: What to do with after-tax contributions to employer 401k?
Replies: 46
Views: 2173

Re: What to do with after-tax contributions to employer 401k?

My employer offers the same mega backdoor option through our plan at Fidelity. This is my first year opting into the plan and got a similar run around when calling Fidelity to rollover the converted after-tax to Roth contributions to my Roth IRA. I've got a handful of customer service people at Fid...
by REITired
Sun May 17, 2020 9:06 pm
Forum: Personal Investments
Topic: What to do with after-tax contributions to employer 401k?
Replies: 46
Views: 2173

Re: What to do with after-tax contributions to employer 401k?

My employer offers the same mega backdoor option through our plan at Fidelity. This is my first year opting into the plan and got a similar run around when calling Fidelity to rollover the converted after-tax to Roth contributions to my Roth IRA. I've got a handful of customer service people at Fid...
by REITired
Sun May 17, 2020 8:09 pm
Forum: Personal Investments
Topic: What to do with after-tax contributions to employer 401k?
Replies: 46
Views: 2173

Re: What to do with after-tax contributions to employer 401k?

My employer offers the same mega backdoor option through our plan at Fidelity. This is my first year opting into the plan and got a similar run around when calling Fidelity to rollover the converted after-tax to Roth contributions to my Roth IRA. I've got a handful of customer service people at Fide...