Search found 64 matches

by nutshellml
Sat May 26, 2018 5:53 am
Forum: Investing - Help with Personal Investments
Topic: Tracking Federal TSP (Specifically Interfund Transfers)
Replies: 5
Views: 583

Re: Tracking Federal TSP (Specifically Interfund Transfers)

rkhusky wrote:
Sat May 26, 2018 5:45 am
If you have the shares before and after, simply subtract the former from the latter to determine shares bought or sold (positive number = bought).
Yea but it doesn’t break down Roth and traditional. I was going to do that. And to try and figure out the proportions is almost impossible.
by nutshellml
Sat May 26, 2018 5:39 am
Forum: Investing - Help with Personal Investments
Topic: Tracking Federal TSP (Specifically Interfund Transfers)
Replies: 5
Views: 583

Re: Tracking Federal TSP (Specifically Interfund Transfers)

Curious, what is the need to track this in Quicken? You are giving more work for yourself that could be spend playing frisbee with your dog, meditating, or getting some sunshine :beer You know, you’re right. Was just thinking about it. I did it all these years first for the reason for an entire vie...
by nutshellml
Fri May 25, 2018 10:21 pm
Forum: Investing - Help with Personal Investments
Topic: Tracking Federal TSP (Specifically Interfund Transfers)
Replies: 5
Views: 583

Tracking Federal TSP (Specifically Interfund Transfers)

Evening, I have a TSP and I recently rebalanced and therefore did a interfund transfer. I track my TSP with Quicken and I'm trying to figure out how to enter the transfer. What makes is more difficult is I have a ROTH and TRADITIONAL TSP, although 95% of my funds are Traditional. The TSP did not giv...
by nutshellml
Tue May 22, 2018 9:07 pm
Forum: Investing - Help with Personal Investments
Topic: All else aside - General Allocation Thoughts
Replies: 9
Views: 860

Re: All else aside - General Allocation Thoughts

3funder wrote:
Tue May 22, 2018 8:59 pm
I'd dump the REIT and just go with large, small, and international.

Large: 40
Small: 10
International: 30
May I ask your rational? Is it because of the state of affairs we are at now? Or just your general philosophy on allocation and REITs?
by nutshellml
Tue May 22, 2018 8:52 pm
Forum: Investing - Help with Personal Investments
Topic: All else aside - General Allocation Thoughts
Replies: 9
Views: 860

Re: All else aside - General Allocation Thoughts

rkhusky wrote:
Tue May 22, 2018 8:45 pm
Either is fine. Returns are too noisy to be able to differentiate your two allocations. You'll do best to pick one and stick with it, apart from any stock/bond glide path that you might employ.
10-4, thank you. I figured it wouldn't have a big swing either way.
by nutshellml
Tue May 22, 2018 8:43 pm
Forum: Investing - Help with Personal Investments
Topic: All else aside - General Allocation Thoughts
Replies: 9
Views: 860

All else aside - General Allocation Thoughts

Putting all else aside, and just looking at a basic allocation with a Stock to Bond ratio of 80/20, how would you break up the following 80%? Large Cap Small Cap Int'l REIT CURRENTLY at:............CONSIDERING: Large Cap 30%.................25 Small Cap 20%.................20 Int'l 20%.................
by nutshellml
Mon Apr 16, 2018 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Which states are similar to NJ in the sense that they do not allow one to deduct contributions to 403b, 457, TSP, etc?
Replies: 16
Views: 2455

Re: Which states are similar to NJ in the sense that they do not allow one to deduct contributions to 403b, 457, TSP, et

NJ taxes only the gains, so a traditional TSP/403(b)/IRA is taxed the same as a non-deductible IRA. (NJ does allow deductions for 401(k) plans.) If you contributed $2000 to the traditional TSP, and it grows to $3000, you pay NJ tax on $1000, but you got no deduction on the $2000 when you contribute...
by nutshellml
Sun Apr 15, 2018 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Which states are similar to NJ in the sense that they do not allow one to deduct contributions to 403b, 457, TSP, etc?
Replies: 16
Views: 2455

Re: Which states are similar to NJ in the sense that they do not allow one to deduct contributions to 403b, 457, TSP, et

So, if one lives in NJ contributed to Traditional TSP, then retires (in NJ) you're saying that they don' tax the withdrawals? Since you can't deduct your Traditional contributions going in? Doesn't that essential make a Traditional TSP in NJ in theory a Roth when withdrawing it? Confused, what am I ...
by nutshellml
Fri Feb 16, 2018 10:58 pm
Forum: Investing - Help with Personal Investments
Topic: Classification for Global Real Estate ETF (Vanguard)
Replies: 3
Views: 384

Re: Classification for Global Real Estate ETF (Vanguard)

I count it as real estate in my major asset class allocation (US, foreign, real estate, fixed income), and then split my real estate allocation between US and foreign in my subclass allocation. I hold 10% of my portfolio in real estate, so I hold 5% each in Vanguard's US and foreign real estate fun...
by nutshellml
Fri Feb 16, 2018 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: Classification for Global Real Estate ETF (Vanguard)
Replies: 3
Views: 384

Classification for Global Real Estate ETF (Vanguard)

So I have a small part of my portfolio in Vanguard Global ex-U.S. Real Estate Index Fund ETF Shares (VNQI). I'm wondering how you all would classify this ETF, International or REIT ? I get it is technically both. I ask because I have a percentage of my overall portfolio dedicated to REITs (I also ow...
by nutshellml
Mon Jan 29, 2018 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation Dilemma - Bonds or No Bonds, retiring 8 years @ 50y/o, w/ $ lasting to 90s.
Replies: 65
Views: 5410

Re: Allocation Dilemma - Bonds or No Bonds, retiring 8 years @ 50y/o, w/ $ lasting to 90s.

My living expenses would be $100k Health care $8k <---in addition to or included in the $100k? In addition, looking at his numbers Taxes $7k <---not included, right? And how on earth would you be paying only 7% in taxes? Not included, he shows this exactly: Total Taxes $7,715, Tax Penalty $6,892 (W...
by nutshellml
Mon Jan 29, 2018 12:57 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation Dilemma - Bonds or No Bonds, retiring 8 years @ 50y/o, w/ $ lasting to 90s.
Replies: 65
Views: 5410

Re: Allocation Dilemma - Bonds or No Bonds, retiring 8 years @ 50y/o, w/ $ lasting to 90s.

nutshellml, I just went back through this thread trying to look at it from a different point of view than my first reading. There is a big disconnect somewhere and I'm trying to find it. For me, it might just be best to ignore what the FA had to say. That may be just confusing things. One thing I d...
by nutshellml
Mon Jan 29, 2018 10:11 am
Forum: Investing - Help with Personal Investments
Topic: Allocation Dilemma - Bonds or No Bonds, retiring 8 years @ 50y/o, w/ $ lasting to 90s.
Replies: 65
Views: 5410

Re: Allocation Dilemma - Bonds or No Bonds, retiring 8 years @ 50y/o, w/ $ lasting to 90s.

I'd like to interject something not related to what you two are talking about right now, but it is something to keep in mind. If you wait until the year in which you turn 55 to retire, you will be able to take money from your TSP account with no penalty. It would be a set amount each month (not wit...
by nutshellml
Mon Jan 29, 2018 8:19 am
Forum: Investing - Help with Personal Investments
Topic: Allocation Dilemma - Bonds or No Bonds, retiring 8 years @ 50y/o, w/ $ lasting to 90s.
Replies: 65
Views: 5410

Re: Allocation Dilemma - Bonds or No Bonds, retiring 8 years @ 50y/o, w/ $ lasting to 90s.

Yes, he's assuming a constant 8.74% growth every year in the charts. As if you had a savings account that gave you that exact return year after year, with no losses or variation. The way to factor volatility and divergent possible outcomes into a chart would be to show you the 90th to 10th percenti...
by nutshellml
Sun Jan 28, 2018 6:42 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation Dilemma - Bonds or No Bonds, retiring 8 years @ 50y/o, w/ $ lasting to 90s.
Replies: 65
Views: 5410

Re: Allocation Dilemma - Bonds or No Bonds, retiring 8 years @ 50y/o, w/ $ lasting to 90s.

I'm a simple person, so I would prefer to discuss round numbers like "approximately 7%", or perhaps a range of "7-8"%. Also, if your advisor wants to be scientific about it, what is the margin of error? Is there a statistically significant difference between his projected returns for the different ...
by nutshellml
Sun Jan 28, 2018 5:52 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation Dilemma - Bonds or No Bonds, retiring 8 years @ 50y/o, w/ $ lasting to 90s.
Replies: 65
Views: 5410

Re: Allocation Dilemma - Bonds or No Bonds, retiring 8 years @ 50y/o, w/ $ lasting to 90s.

Nutshellml--I took a quick look at the PDF and saw a few things amiss. The biggest one is that all of the graphs and tables use "hard" numbers based on the "average returns" for the portfolio. That is misleading, as it shows a nice, even rise in the value of the proposed portfolio the advisor wants...
by nutshellml
Sun Jan 28, 2018 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation Dilemma - Bonds or No Bonds, retiring 8 years @ 50y/o, w/ $ lasting to 90s.
Replies: 65
Views: 5410

Re: Allocation Dilemma - Bonds or No Bonds, retiring 8 years @ 50y/o, w/ $ lasting to 90s.

BTW, it's not just downloading an unknown file that is of concern - it's the unknown website and its other content. New browser exploits turn up all the time. True, I get it, I don't expect people to take me at my word, but it's a reputable site I use for sending files all the time, and pdf is just...
by nutshellml
Sun Jan 28, 2018 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation Dilemma - Bonds or No Bonds, retiring 8 years @ 50y/o, w/ $ lasting to 90s.
Replies: 65
Views: 5410

Re: Allocation Dilemma - Bonds or No Bonds, retiring 8 years @ 50y/o, w/ $ lasting to 90s.

Hawaiishrimp wrote:
Sun Jan 28, 2018 2:48 pm
May I ask what job pays $80k pension? That's awesome.
Government Investigator, series 1811, it's basically 1.7% of your high-3 average salary for first 20 years PLUS 1% for every year exceeding the 20.
by nutshellml
Sun Jan 28, 2018 2:39 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation Dilemma - Bonds or No Bonds, retiring 8 years @ 50y/o, w/ $ lasting to 90s.
Replies: 65
Views: 5410

Re: Allocation Dilemma - Bonds or No Bonds, retiring 8 years @ 50y/o, w/ $ lasting to 90s.

Remember that diversification reduces volatility AND also reduces expected returns. You trade away the potential for a huge upside in order to protect from a catastrophic downside. Since you have a pension, you can afford to take on more risk, but I would suggest that going 100% stocks is not advis...
by nutshellml
Sun Jan 28, 2018 2:39 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation Dilemma - Bonds or No Bonds, retiring 8 years @ 50y/o, w/ $ lasting to 90s.
Replies: 65
Views: 5410

Re: Allocation Dilemma - Bonds or No Bonds, retiring 8 years @ 50y/o, w/ $ lasting to 90s.

Remember that diversification reduces volatility AND also reduces expected returns. You trade away the potential for a huge upside in order to protect from a catastrophic downside. Since you have a pension, you can afford to take on more risk, but I would suggest that going 100% stocks is not advis...
by nutshellml
Sun Jan 28, 2018 2:38 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation Dilemma - Bonds or No Bonds, retiring 8 years @ 50y/o, w/ $ lasting to 90s.
Replies: 65
Views: 5410

Re: Allocation Dilemma - Bonds or No Bonds, retiring 8 years @ 50y/o, w/ $ lasting to 90s.

Remember that diversification reduces volatility AND also reduces expected returns. You trade away the potential for a huge upside in order to protect from a catastrophic downside. Since you have a pension, you can afford to take on more risk, but I would suggest that going 100% stocks is not advis...
by nutshellml
Sun Jan 28, 2018 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation Dilemma - Bonds or No Bonds, retiring 8 years @ 50y/o, w/ $ lasting to 90s.
Replies: 65
Views: 5410

Re: Allocation Dilemma - Bonds or No Bonds, retiring 8 years @ 50y/o, w/ $ lasting to 90s.

Let's say your deficit is $20k. That would be a 2% withdrawal from a $1 million dollar portfolio. That should certainly be sustainable over 50 years with even a 50% stock allocation. Something still is not adding up for me. Maybe I've misread something in what you've posted. Are the educational exp...
by nutshellml
Sun Jan 28, 2018 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation Dilemma - Bonds or No Bonds, retiring 8 years @ 50y/o, w/ $ lasting to 90s.
Replies: 65
Views: 5410

Re: Allocation Dilemma - Bonds or No Bonds, retiring 8 years @ 50y/o, w/ $ lasting to 90s.

Which sort of brings us full circle. If your pension at 50 is going to cover most all your expenses and taxes each year, why the need for such a large balance an account you may not even use? There is something not adding up here for me and it appears that pezblanco is thinking along the same lines...
by nutshellml
Sun Jan 28, 2018 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation Dilemma - Bonds or No Bonds, retiring 8 years @ 50y/o, w/ $ lasting to 90s.
Replies: 65
Views: 5410

Re: Allocation Dilemma - Bonds or No Bonds, retiring 8 years @ 50y/o, w/ $ lasting to 90s.

I may have missed it but is your pension going to be COLA'ed? If so, and your 80K pension covers all of your expenses, then you'll be fine especially since you've said the pension payments are to be trusted. That said, as many have said the assumed portfolio returns are wildly optimistic. That alon...
by nutshellml
Sun Jan 28, 2018 9:14 am
Forum: Investing - Help with Personal Investments
Topic: Allocation Dilemma - Bonds or No Bonds, retiring 8 years @ 50y/o, w/ $ lasting to 90s.
Replies: 65
Views: 5410

Re: Allocation Dilemma - Bonds or No Bonds, retiring 8 years @ 50y/o, w/ $ lasting to 90s.

Doesn't the theory as far as the percentage in bonds assume that at retirement you take everything out ... No! Where did you get that idea? I don't know, lol, I guess again, just speaking w/ the FA, I was clouded... After reading Jacks and other books, I've always maintained a S/B ratio and still d...
by nutshellml
Sun Jan 28, 2018 8:31 am
Forum: Investing - Help with Personal Investments
Topic: Allocation Dilemma - Bonds or No Bonds, retiring 8 years @ 50y/o, w/ $ lasting to 90s.
Replies: 65
Views: 5410

Re: Allocation Dilemma - Bonds or No Bonds, retiring 8 years @ 50y/o, w/ $ lasting to 90s.

Any financial advisor can show you a graph, chart, slides etc and present a compelling case for what he wants you to do. You state you know what he wants (your money) but you are going to believe his argument anyway? It's not that I'm going to believe, I'm skeptical, which is why I'm asking the que...
by nutshellml
Sun Jan 28, 2018 8:24 am
Forum: Investing - Help with Personal Investments
Topic: Allocation Dilemma - Bonds or No Bonds, retiring 8 years @ 50y/o, w/ $ lasting to 90s.
Replies: 65
Views: 5410

Re: Allocation Dilemma - Bonds or No Bonds, retiring 8 years @ 50y/o, w/ $ lasting to 90s.

That's all fine and dandy until a market correction comes along and ruins your plan. Less bonds means you'll take greater losses when stocks dive. The interest you are counting on may not be there; you need to plan for that, too. At a 7% estimated yield results in $987k in eight years. Is your advi...
by nutshellml
Sun Jan 28, 2018 8:24 am
Forum: Investing - Help with Personal Investments
Topic: Allocation Dilemma - Bonds or No Bonds, retiring 8 years @ 50y/o, w/ $ lasting to 90s.
Replies: 65
Views: 5410

Re: Allocation Dilemma - Bonds or No Bonds, retiring 8 years @ 50y/o, w/ $ lasting to 90s.

OP- I agree you can take more risk in your retirement portfolio with a govt pension providing an income floor. Tax efficient investing may add some value. Check your tax bracket for 2018, if you are above $101,400 take home pay you are in the 22% bracket making traditional TSP is best because you c...
by nutshellml
Sat Jan 27, 2018 9:18 am
Forum: Investing - Help with Personal Investments
Topic: Allocation Dilemma - Bonds or No Bonds, retiring 8 years @ 50y/o, w/ $ lasting to 90s.
Replies: 65
Views: 5410

Re: Allocation Dilemma - Bonds or No Bonds, retiring 8 years @ 50y/o, w/ $ lasting to 90s.

That's all fine and dandy until a market correction comes along and ruins your plan. Less bonds means you'll take greater losses when stocks dive. The interest you are counting on may not be there; you need to plan for that, too. At a 7% estimated yield results in $987k in eight years. Is your advi...
by nutshellml
Fri Jan 26, 2018 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation Dilemma - Bonds or No Bonds, retiring 8 years @ 50y/o, w/ $ lasting to 90s.
Replies: 65
Views: 5410

Re: Allocation Dilemma - Bonds or No Bonds, retiring 8 years @ 50y/o, w/ $ lasting to 90s.

Models of what has happened in the past suggest that forty year retirements should have fairly high stock allocations and not try to withdraw more than maybe 3.5% of the initial portfolio value per year, indexed for inflation. 20% bonds should be fine. You keep the same investments after you retire...
by nutshellml
Fri Jan 26, 2018 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation Dilemma - Bonds or No Bonds, retiring 8 years @ 50y/o, w/ $ lasting to 90s.
Replies: 65
Views: 5410

Re: Allocation Dilemma - Bonds or No Bonds, retiring 8 years @ 50y/o, w/ $ lasting to 90s.

The idea that 20% in bonds is "bond heavy" at your age sounds ridiculous to me. Even with a pension. Being near retirement makes it even dumber in my mind. I would encourage you to increase to 25% now and be closer to 40% (or more) when you actually retire. I would agree you probably need to have m...
by nutshellml
Fri Jan 26, 2018 6:57 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation Dilemma - Bonds or No Bonds, retiring 8 years @ 50y/o, w/ $ lasting to 90s.
Replies: 65
Views: 5410

Re: Allocation Dilemma - Bonds or No Bonds, retiring 8 years @ 50y/o, w/ $ lasting to 90s.

Your current asset allocation has about 80% stock / 20% bond. That is an aggressive allocation at age 40. It does not make sense to go even more aggressive, instead you should gradually trending toward 70% stock / 30% bond. I believe advisors paid using Asset Under Management will want their client...
by nutshellml
Fri Jan 26, 2018 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation Dilemma - Bonds or No Bonds, retiring 8 years @ 50y/o, w/ $ lasting to 90s.
Replies: 65
Views: 5410

Re: Allocation Dilemma - Bonds or No Bonds, retiring 8 years @ 50y/o, w/ $ lasting to 90s.

Not enough info here .... I don't understand your retirement plan. What are your yearly expenses? Do you have a pension? You have a portfolio of 575K and your plan is to retire? Sorry, so yes, I have a pension of approx 80k if I were to retire at 50y/o. Yearly expenses were calculated at about $80k...
by nutshellml
Fri Jan 26, 2018 3:47 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation Dilemma - Bonds or No Bonds, retiring 8 years @ 50y/o, w/ $ lasting to 90s.
Replies: 65
Views: 5410

Allocation Dilemma - Bonds or No Bonds, retiring 8 years @ 50y/o, w/ $ lasting to 90s.

Emergency funds: $5000 Debt: $24,000 @ 1.5% and $9,000 @ 0.0% Tax Filing Status: Married Jointly Tax Rate: 28% Federal, 6% State State of Residence: NJ Age: 42 (wife 32) Single income family Desired Asset allocation: 90% stocks / 4-10% bonds (See Questions) Desired International allocation: 35-45% o...
by nutshellml
Tue Jul 05, 2016 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Real Estate Improvement Finance question, borrowing...
Replies: 6
Views: 490

Re: Real Estate Improvement Finance question, borrowing...

Don't touch the retirement account. What's the nature of this remodeling? Are we talking cosmetic changes all over the house or functional repairs that you can't live without (subjective)? Could you start some of the work with the money you already have earmarked then come back in a few years once ...
by nutshellml
Tue Jul 05, 2016 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Real Estate Improvement Finance question, borrowing...
Replies: 6
Views: 490

Real Estate Improvement Finance question, borrowing...

Afternoon all... Have a general question for some guidance. Homeowner, within last year, looking to do some remodel work and need some funds. I have about 75k cash saved for the work but will need another 40-50k. I'm not sure I would qualify for a home equity since I'm a new homeowner and debating w...
by nutshellml
Mon Aug 31, 2015 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Finance, CHECK! - Term Life Insurance: Stacking or No?
Replies: 2
Views: 499

Personal Finance, CHECK! - Term Life Insurance: Stacking or No?

Afternoon all, Thanks to Bogleheads I'm on the right track to financial success (retirement). I now need some additional advice regarding Term Life Insurance. I am 39 y/o, recently married and have a 1 year old son, and planning on one more child in next 2 years. I don't own a home, but am currently...
by nutshellml
Sat Jul 16, 2011 8:43 am
Forum: Investing - Help with Personal Investments
Topic: Bond Portfolio in Brokerage help
Replies: 2
Views: 365

livesoft wrote:What you should or should not do is a personal decision.
Ok i just thought with the maturation of bonds that plays a part, in the reinvesting of dividends... I understand how bonds work, but thought i read something about that in the past, was just looking for clarification.

Thanks!
by nutshellml
Sat Jul 16, 2011 8:23 am
Forum: Investing - Help with Personal Investments
Topic: Bond Portfolio in Brokerage help
Replies: 2
Views: 365

Bond Portfolio in Brokerage help

Good Morning, I would like some info/guidance for my short term bond portfolio in my brokerage account. The account holds medium and short term bond etfs and basically I'm using the account to beat the extremely low interest rates of savings accounts. Now i am a bit confused about the dividends earn...
by nutshellml
Mon Jul 04, 2011 5:18 pm
Forum: Investing - Theory, News & General
Topic: Advice/Theory for 5 year higher risk goal
Replies: 25
Views: 2007

Thank you for the info/advice/insight. Greatly appreciated.

Happy 4th to all.
by nutshellml
Mon Jul 04, 2011 2:10 pm
Forum: Investing - Theory, News & General
Topic: Advice/Theory for 5 year higher risk goal
Replies: 25
Views: 2007

Re: Advice/Theory for 5 year higher risk goal

No offense, but asking about wanting something riskier then individual stocks and suggesting a TSM fund shows how little you know about investing. That is okay, because that is why you are here trying to learn from others. I have read the books Bogleheads, Truth about Money, Random Walk down wallst...
by nutshellml
Mon Jul 04, 2011 1:49 pm
Forum: Investing - Theory, News & General
Topic: Advice/Theory for 5 year higher risk goal
Replies: 25
Views: 2007

60% intermediate treasuries sounds reasonable to me for a 5-8 year time frame. It has to be treasuries because non-treasury bonds do not spike when equities dip. TIPS should theoretically provide a flight to safety, just like nominal treasuries. However, for reasons the explanation of which exceeds...
by nutshellml
Mon Jul 04, 2011 8:18 am
Forum: Investing - Theory, News & General
Topic: Advice/Theory for 5 year higher risk goal
Replies: 25
Views: 2007

Yeah but he also says he has a 5-8 year time horizon, which suggests there is some end goal here. Ending up with 10k after starting with 35k might not be fine. Yes, i agree, i don't want a total stock market.. I'm thinking more of the TSM/TISM mix for the 40%, then 60% Treasuries (GNMA, Intermidate...
by nutshellml
Sun Jul 03, 2011 8:47 pm
Forum: Investing - Theory, News & General
Topic: Advice/Theory for 5 year higher risk goal
Replies: 25
Views: 2007

That would not accomplish the same thing. It has to be treasuries to get the flight-to-safety spike when equities dip.[/quote]

so your talking about vanguard inflation-protect fund for the 70% bond split?
by nutshellml
Sun Jul 03, 2011 8:25 pm
Forum: Investing - Theory, News & General
Topic: Advice/Theory for 5 year higher risk goal
Replies: 25
Views: 2007

when you say treasuries, i was thinking a split between GNMA and a intermediate bond or intermediate tax-exempt...
by nutshellml
Sun Jul 03, 2011 5:22 pm
Forum: Investing - Theory, News & General
Topic: Advice/Theory for 5 year higher risk goal
Replies: 25
Views: 2007

Advice/Theory for 5 year higher risk goal

I have some disposible income 35k with about 5-8 year horizon, i don't want to buy individual stocks, and want something a little more risky, i have enough of saftey net cash so not concerned about that, what are everyone's thought? Total Stock Market Fund?
by nutshellml
Sun Jul 03, 2011 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: 63 yr old 10-15yr horizon
Replies: 1
Views: 629

63 yr old 10-15yr horizon

Hi, i am trying to get some very general advice for a family member. 63yrs old, no income, no pension, has approx 100k in all stocks, yes i know very bad. Living off spouse pension comfortably. Says that he/she won't touch it for approx 10years. Thoughts on diversification? Stock 20%/Bond 70%/Cash 1...
by nutshellml
Sun Mar 20, 2011 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Convert from Traditional to Roth IRA
Replies: 5
Views: 989

Ok, i think i need to do a little reading. So it matters what i currently have in my Roth IRA? ie. I have about 40k in ROTH but $0 in Traditional, but in 2011 i plan to contribute 5000 to Traditional and convert it immediately to bring it back to $0 in Tradtional
by nutshellml
Sun Mar 20, 2011 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Convert from Traditional to Roth IRA
Replies: 5
Views: 989

Convert from Traditional to Roth IRA

Hi, i put in my $5000 for 2011 into a Traditional IRA at Vanguard, I plan to convert it right away to a Roth IRA. How can i find out what taxes I will tentatively pay at the end of the year? (assuming there is no interest/gains, because right now it's in a MM account).

Thanks for any help!
by nutshellml
Mon Jan 17, 2011 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation Assistance TSP/IRA/TAXable (formatted)
Replies: 20
Views: 2145

Re: Allocation Assistance TSP/IRA/TAXable (formatted)

For my 20% International portfolio allocation: I'm going with the VGTSX, but would like to balance that with approx 25% of my INTL either a little more EMERGING or little more Small Cap. Thoughts? PRMSX Large cap Emergeing (high expense i know) or VINEX Small cap Developed. Thoughts ? ? Or PRIDX...