Search found 25 matches

by marcus_silvus
Thu Nov 12, 2020 3:23 pm
Forum: Personal Investments
Topic: Tax Question
Replies: 24
Views: 1237

Re: Tax Question

Discussing how one might analyze one's own investment strategy is not only allowed but a significant reason for the existence of this forum. :) What isn't allowed are debates about the goodness or likelihood of potential legislation. See item #4 in Bogleheads.org - Rules for specifics. Back to your...
by marcus_silvus
Thu Nov 12, 2020 3:21 pm
Forum: Personal Investments
Topic: Tax Question
Replies: 24
Views: 1237

Re: Tax Question

I found a few videos on youtube that mentioned putting money in indexed universal life insurance for tax benefits Bad idea. Really bad idea. Post back if you want to further understand how truly BAD this idea is. Don’t mix “investing” and insurance. But the insurance sales man told me he would give...
by marcus_silvus
Thu Nov 12, 2020 3:09 pm
Forum: Personal Investments
Topic: Tax Question
Replies: 24
Views: 1237

Re: Tax Question

In WA you also have access to the WA DCP 457b plan. this is an additional 19.5K pretax deferral option. I am not an expert on the PERS3 plan, but there is both a traditional pension and a contribution plan. So you need to think about how many years of service and how big that pension might be.. The...
by marcus_silvus
Thu Nov 12, 2020 2:53 pm
Forum: Personal Investments
Topic: Tax Question
Replies: 24
Views: 1237

Re: Tax Question

Nobody of note but it got me thinking. I found a few videos on youtube that mentioned putting money in indexed universal life insurance for tax benefits Well, that would be good for the insurance company and the agent who sells it to you. For you, probably not so much. I suggest that you will get b...
by marcus_silvus
Thu Nov 12, 2020 2:42 pm
Forum: Personal Investments
Topic: Tax Question
Replies: 24
Views: 1237

Re: Tax Question

Nobody of note but it got me thinking. I found a few videos on youtube that mentioned putting money in indexed universal life insurance for tax benefits
by marcus_silvus
Thu Nov 12, 2020 2:29 pm
Forum: Personal Investments
Topic: Tax Question
Replies: 24
Views: 1237

Re: Tax Question

Sorry about that. Thanks for the input.
Best
by marcus_silvus
Thu Nov 12, 2020 1:48 pm
Forum: Personal Investments
Topic: Tax Question
Replies: 24
Views: 1237

Tax Question

Hi All, I just got the opportunity to readjust my pretax employer retirement plan (PERS 3 in WA) and would like some input. I was about to invest roughly 20% of my income but decide to do some research and got a bit nervous. Some individuals were mentioning something called a "tax bomb" sa...
by marcus_silvus
Fri Feb 28, 2020 2:44 pm
Forum: Personal Investments
Topic: When to rebalance?
Replies: 11
Views: 808

Re: When to rebalance?

New-ish investor here. I had about 8% of my employer-based pretax retirement in bonds and I just sold it and bought a large cap U.S. equities index fund: https://docs.retirementpartner.com/fund ... CP-JRA.PDF My AA was roughly: 82% Domestic 10% International 8% Bonds I'm about 20 years away from ret...
by marcus_silvus
Fri Feb 28, 2020 2:01 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 4089
Views: 323910

Re: Coronavirus and the market

Being a nascent investor, I have general question about this recent dip: How do you think the financial recovery will play out? In the words of Mr Spock, "My OPINION would be valueless." That applies to everyone else's opinions as well. I get that and I know that NOBODY knows how this is ...
by marcus_silvus
Fri Feb 28, 2020 1:39 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 4089
Views: 323910

Re: Coronavirus and the market

Being a nascent investor, I have general question about this recent dip: How do you think the financial recovery will play out? My optimistic side wants to believe the recovery should go somewhat quickly once this is resolved considering that this disruption is based on regular business activities b...
by marcus_silvus
Fri Feb 28, 2020 1:12 pm
Forum: Investing - Theory, News & General
Topic: The Calm Post - Stay the course thread.
Replies: 529
Views: 50451

Re: The Calm Post - Stay the course thread.

I am seeing a historic learning opportunity. This is a great thing. In the past you've probably read some other posting in some other thread where a member wrote, "I remember the downturn of [year whatever]. What I learned back then was blah blah blah." I you were not an investor in [year...
by marcus_silvus
Fri Feb 28, 2020 12:42 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 21224
Views: 2880088

Re: U.S. stocks in free fall

New-ish investor here. I had about 8% of my employer-based pretax retirement in bonds and I just sold it and bought a large cap U.S. equities index fund: https://docs.retirementpartner.com/fundov/WASH_US_LGCP_EQ_IDX_FD_DCP-JRA.PDF My AA was roughly: 82% Domestic 10% International 8% Bonds I'm about ...
by marcus_silvus
Thu Feb 27, 2020 12:52 pm
Forum: Investing - Theory, News & General
Topic: Immature Investor and Lessons Learned
Replies: 28
Views: 3238

Re: Immature Investor and Lessons Learned

Thanks guys. I still find myself going back to two weeks ago and obsessively thinking, "if only I did this..." and "if only I did that..." ad nauseam. The only thing that terminates the loop and allows me to feel better is hopping on the forum and reading the calming words of exp...
by marcus_silvus
Wed Feb 26, 2020 1:32 pm
Forum: Investing - Theory, News & General
Topic: Immature Investor and Lessons Learned
Replies: 28
Views: 3238

Re: Immature Investor and Lessons Learned

Thanks everyone for the kind words and advice!
by marcus_silvus
Wed Feb 26, 2020 11:19 am
Forum: Investing - Theory, News & General
Topic: Immature Investor and Lessons Learned
Replies: 28
Views: 3238

Immature Investor and Lessons Learned

I just wanted to share my recent experience with lump sum investing and the coronavirus. Late last year I sold all of my shares of a high expense ratio Franklin Templeton mutual fund with the plan of putting it in VTSAX. At that time, VTSAX was trading at about $77/share. All of the research I did t...
by marcus_silvus
Wed Jan 08, 2020 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Question
Replies: 6
Views: 549

Re: HSA Question

@TropikThunder Thanks for the reply. I am able to see a PT without a referral in WA. My main concern is about future reimbursement. So the previous comment about the PT visit having to be "authorized by a physician" does not apply to HSA reimbursement but rather having it routed through th...
by marcus_silvus
Wed Jan 08, 2020 11:28 am
Forum: Personal Finance (Not Investing)
Topic: HSA Question
Replies: 6
Views: 549

Re: HSA Question

It needs to be "authorized by a physician". Can you get your physician to write up an order for PT without a visit given that you'll be paying for it out of pocket? Hi Rick. I don't have a physician so I think I schedule my yearly preventative care visit and ask for a referral. Thanks for...
by marcus_silvus
Wed Jan 08, 2020 11:14 am
Forum: Personal Finance (Not Investing)
Topic: HSA Question
Replies: 6
Views: 549

HSA Question

Hello All! I have a quick question about a qualified medical expense in regards to my new HSA. I have a shoulder injury that I want to go see a physical therapist about. I know that physical therapy is considered a qualified medical expense according to IRS Pub 502 https://www.irs.gov/pub/irs-pdf/p5...
by marcus_silvus
Wed Dec 18, 2019 5:05 pm
Forum: Personal Investments
Topic: Navigating Asset Allocation
Replies: 15
Views: 606

Re: Navigating Asset Allocation

Got it. Thank you everyone for the input. I appreciate you!
by marcus_silvus
Wed Dec 18, 2019 4:48 pm
Forum: Personal Investments
Topic: Navigating Asset Allocation
Replies: 15
Views: 606

Re: Navigating Asset Allocation

Sorry, I should have been clearer. Do they offer a total international stock fund or a developed markets stock fund? No worries! The funds I listed are all the funds that are offered under the DCP and Pers 3 except for the target retirement funds. However, my HSA does allow me to have a total inter...
by marcus_silvus
Wed Dec 18, 2019 4:34 pm
Forum: Personal Investments
Topic: Navigating Asset Allocation
Replies: 15
Views: 606

Re: Navigating Asset Allocation

You did not list an international stock fund. Is there an international stock fund offered? If none is offered in the employer-based plans then you could buy an international stock fund in your Roth IRA. Is the below fund not considered an international stock? Emerging Market Equity Index Fund ER: ...
by marcus_silvus
Wed Dec 18, 2019 12:33 pm
Forum: Personal Investments
Topic: Navigating Asset Allocation
Replies: 15
Views: 606

Re: Navigating Asset Allocation

@ruralavalon: Thank you for the thorough response and the good advice! I've updated my original post to include the fund names and the expense ratios. The tickers are difficult to locate so I put a link to the fund fact sheets. Additionally, appreciate the links to the educational materials. I will ...
by marcus_silvus
Wed Dec 18, 2019 11:56 am
Forum: Personal Investments
Topic: Navigating Asset Allocation
Replies: 15
Views: 606

Re: Navigating Asset Allocation

I'd probably put the bond allocation in the deferred comp or PERs. While it is ok to put bonds in Roth IRA, when all other things are equal, it makes sense to many to put your highest expected performers (stocks) in Roth IRA since the earnings will not be taxed. Got it. This is what I was hoping to...
by marcus_silvus
Wed Dec 18, 2019 11:54 am
Forum: Personal Investments
Topic: Navigating Asset Allocation
Replies: 15
Views: 606

Re: Navigating Asset Allocation

Welcome to the forum! Hopefully others will chime in with answers to your other questions, but just one comment on the options in your HSA. You don't have to meet the $100 million minimum to invest in VTPSX. Your employer already has. That's why they can offer that investment option to their employ...
by marcus_silvus
Tue Dec 17, 2019 10:37 pm
Forum: Personal Investments
Topic: Navigating Asset Allocation
Replies: 15
Views: 606

Navigating Asset Allocation

Hello All, I am a somewhat nascent investor that has begun to take my retirement a bit more seriously as of late. I am aiming to set my portfolio up as a three-funder and am confused how to do this optimally. Before I ask my question, here are some stats: Emergency funds: just started one. currently...