Search found 26 matches

by lazaro53
Mon Jun 29, 2020 2:43 pm
Forum: Personal Investments
Topic: Bonds and high tax bracket
Replies: 25
Views: 1543

Re: Bonds and high tax bracket

Any chance you have a target date fund available with a low expense ratio? Hello Target date funds are 0.27, Only bond fund is 0.31, and the 3 index 0.05. International and etc are 0.75 or worse And the administrative fee that is 0.39 or maybe 0.49. (not sure) Thanks Hm. .31 really isn't that bad. ...
by lazaro53
Mon Jun 29, 2020 2:32 pm
Forum: Personal Investments
Topic: Bonds and high tax bracket
Replies: 25
Views: 1543

Re: Bonds and high tax bracket

Any chance you have a target date fund available with a low expense ratio? Hello Target date funds are 0.27, Only bond fund is 0.31, and the 3 index 0.05. International and etc are 0.75 or worse And the administrative fee that is 0.39 or maybe 0.49. (not sure) Thanks Hm. .31 really isn't that bad. ...
by lazaro53
Mon Jun 29, 2020 2:07 pm
Forum: Personal Investments
Topic: Bonds and high tax bracket
Replies: 25
Views: 1543

Re: Bonds and high tax bracket

aristotelian wrote:
Mon Jun 29, 2020 1:19 pm
Any chance you have a target date fund available with a low expense ratio?
Hello

Target date funds are 0.27,
Only bond fund is 0.31, and the 3 index 0.05. International and etc are 0.75 or worse
And the administrative fee that is 0.39 or maybe 0.49. (not sure)

Thanks
by lazaro53
Mon Jun 29, 2020 9:25 am
Forum: Personal Investments
Topic: Bonds and high tax bracket
Replies: 25
Views: 1543

Re: Bonds and high tax bracket

BLUF: The two separate accounts are a US stock index with 0.05% expenses and a bond fund with 0.31% expenses. Both seem to be doing their job, but since the stock index is less expensive, it is the fund you want to hold in the 401(k). If the 401(k) is all US stock, hold munis in your taxable accoun...
by lazaro53
Mon Jun 29, 2020 9:19 am
Forum: Personal Investments
Topic: Bonds and high tax bracket
Replies: 25
Views: 1543

Re: Bonds and high tax bracket

Whether [PICNX, Principal Core Bond Fund R6] this is the right fund for your 401(k) depends on the other options. If your 401(k) has a low-cost S&P 500 index, then you can hold that fund in your 401(k), hold international stocks in your IRA or taxable account, and hold municipal bonds in your taxab...
by lazaro53
Sun Jun 28, 2020 11:48 pm
Forum: Personal Investments
Topic: Bonds and high tax bracket
Replies: 25
Views: 1543

Re: Bonds and high tax bracket

Whether [PICNX, Principal Core Bond Fund R6] this is the right fund for your 401(k) depends on the other options. If your 401(k) has a low-cost S&P 500 index, then you can hold that fund in your 401(k), hold international stocks in your IRA or taxable account, and hold municipal bonds in your taxab...
by lazaro53
Sun Jun 28, 2020 7:31 pm
Forum: Personal Investments
Topic: Bonds and high tax bracket
Replies: 25
Views: 1543

Re: Bonds and high tax bracket

I have asked about this already but I am trying to learn, still confuse about bonds and taxes, reading a lot lately. We are in 32 tax bracket Would it be better to use this fund in 401K ? PICNX. It says the fee is 0.49 (morningstar) This is the only bond fund in 401K. I don't know how to evaluate t...
by lazaro53
Fri Jun 26, 2020 12:41 pm
Forum: Personal Investments
Topic: Bonds and high tax bracket
Replies: 25
Views: 1543

Re: Bonds and high tax bracket

UpperNwGuy wrote:
Fri Jun 26, 2020 8:45 am
I would go with the municipal bond solution.
thank you
by lazaro53
Fri Jun 26, 2020 12:41 pm
Forum: Personal Investments
Topic: Bonds and high tax bracket
Replies: 25
Views: 1543

Re: Bonds and high tax bracket

PICNX has over 30% BBB bonds in its portfolio. VWIUX has about 6% BBB and 90+% AAA/AA/A in its portfolio. That would make a difference to me. I would lean toward a better low cost bond fund in taxable. You are in a no income tax state of Florida, so VWIUX would be a good choice in my opinion. thanks
by lazaro53
Fri Jun 26, 2020 12:40 pm
Forum: Personal Investments
Topic: Bonds and high tax bracket
Replies: 25
Views: 1543

Re: Bonds and high tax bracket

I think you may benefit from making a full portfolio post and asking this as one of them: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 While the general advice involves equities in taxable, depending on your state of residence and marginal bracket, you might benefit more from municipal...
by lazaro53
Fri Jun 26, 2020 12:40 pm
Forum: Personal Investments
Topic: Bonds and high tax bracket
Replies: 25
Views: 1543

Re: Bonds and high tax bracket

In general, Bogleheads would suggest putting fixed income assets in tax-deferred accounts like 401(k)s. In looking at PICNX (Principal Core Fixed Income) on Morningstar, I see that it has an SEC yield of 1.74% after expenses. That isn't bad for an intermediate term bond fund. It has a "four-star" r...
by lazaro53
Thu Jun 25, 2020 11:57 pm
Forum: Personal Investments
Topic: Bonds and high tax bracket
Replies: 25
Views: 1543

Re: Bonds in high tax bracket

More information needed. State of residence? State tax? First, pick an asset allocation that you are comfortable with. Then, pick low cost funds that mirror an index fund in your 401k. For example, I have lousy choices in my 401k. The best option for me is an S&P Index fund with 40 basis points exp...
by lazaro53
Thu Jun 25, 2020 11:34 pm
Forum: Personal Investments
Topic: Bonds and high tax bracket
Replies: 25
Views: 1543

Re: Bonds and high tax bracket

Thank You

Florida

Only 3 index funds in 401K. 0.04 fee

I have munis in taxable but I read a lot about risk.
by lazaro53
Thu Jun 25, 2020 11:15 pm
Forum: Personal Investments
Topic: Bonds and high tax bracket
Replies: 25
Views: 1543

Bonds and high tax bracket

I have asked about this already but I am trying to learn, still confuse about bonds and taxes, reading a lot lately. We are in 32 tax bracket Would it be better to use this fund in 401K ? PICNX. It says the fee is 0.49 (morningstar) This is the only bond fund in 401K. I don't know how to evaluate th...
by lazaro53
Wed May 27, 2020 4:20 pm
Forum: Personal Investments
Topic: Help with funds in 401
Replies: 13
Views: 457

Re: Help with funds in 401

Thanks, they are always changing fees, but I have the idea now
by lazaro53
Wed May 27, 2020 3:21 pm
Forum: Personal Investments
Topic: Help with funds in 401
Replies: 13
Views: 457

Re: Help with funds in 401

3/31/2020 we had 221 366. 44 (-16.36) Today we have 252,579.70 (-6.3).

Thanks
by lazaro53
Wed May 27, 2020 2:54 pm
Forum: Personal Investments
Topic: Help with funds in 401
Replies: 13
Views: 457

Re: Help with funds in 401

We finished 2018 with around 179600, and 2019 with 254 200. Now we have 252 500 more or less.
I think I will call again. But they never tell me clearly.

Thanks
by lazaro53
Wed May 27, 2020 2:25 pm
Forum: Personal Investments
Topic: Help with funds in 401
Replies: 13
Views: 457

Re: Help with funds in 401

Thank you for your help, I have learned a lot, I did not know how to do those formulas, and I like the idea of thinking mortgage like bonds. And we do not panic when stocks go down, at least not yet. I suppose my husband will have to work part time when older, but he actually loves his profession. A...
by lazaro53
Wed May 27, 2020 1:16 pm
Forum: Personal Investments
Topic: Help with funds in 401
Replies: 13
Views: 457

Re: Help with funds in 401

Thank You I think could be a 0.49 administrative fee, I have asked several times, sometimes they say the employer pay it, sometimes they say us, I think is us. Debt is mortgage. We had 30 years but now we are going to pay in 15, have 7 years left. Wife dont have 401k, but it is possible that would h...
by lazaro53
Wed May 27, 2020 12:49 pm
Forum: Personal Investments
Topic: Help with funds in 401
Replies: 13
Views: 457

Re: Help with funds in 401

Thank You
by lazaro53
Wed May 27, 2020 12:09 pm
Forum: Personal Investments
Topic: Help with funds in 401
Replies: 13
Views: 457

Help with funds in 401

Hello, Late investing, immigrants, married jointly. We dont have much in portfolio, low six figures, but have paid mortgage, house was 421000 (normal house in Miami, very expensive here) bought 7 years ago, debt is 120 000, 4.25. Another drag in our finances has been cars, but we live in Miami, can ...
by lazaro53
Fri May 22, 2020 8:54 pm
Forum: Personal Investments
Topic: Bad bond fund in 401k?
Replies: 9
Views: 487

Re: Bad bond fund in 401k?

Thank You, I like this idea
by lazaro53
Fri May 22, 2020 8:52 pm
Forum: Personal Investments
Topic: Bad bond fund in 401k?
Replies: 9
Views: 487

Re: Bad bond fund in 401k?

That's an impressive income. Well done! My employer only offers Principal, which I really don't like. But, our plan does offer this bond fund, which may be a better option if your plan offers it. Principal Bond Market Index Separate Account Just suggesting that you look hard to make sure they don't ...
by lazaro53
Fri May 22, 2020 5:14 pm
Forum: Personal Investments
Topic: Bad bond fund in 401k?
Replies: 9
Views: 487

Re: Bad bond fund in 401k?

Thank You!!
by lazaro53
Fri May 22, 2020 4:08 pm
Forum: Personal Investments
Topic: Bad bond fund in 401k?
Replies: 9
Views: 487

Re: Bad bond fund in 401k?

Thank you, target date is 0.27. I dont know other fees but I think there are more fees
by lazaro53
Fri May 22, 2020 3:47 pm
Forum: Personal Investments
Topic: Bad bond fund in 401k?
Replies: 9
Views: 487

Bad bond fund in 401k?

English is not my first language we are late investing, came from Cuba some years ago with nothing, income is more than 400.000 now. Coming from socialism we did not know anything about investing or that we should invest, still afraid. 46 and husband 55 Husband has a 401k, started 6 years ago, 25000...