Search found 27 matches

by dreamrider
Sat Mar 10, 2018 1:43 am
Forum: Personal Investments
Topic: Early Retiree Portfolio
Replies: 4
Views: 1093

Early Retiree Portfolio

I like to retire in 2-5 years and need some opinion on my investment allocation. I'm 40 years old and am maxing out my 401k, ROTH, and putting everything else remaining in my taxable account. The taxable account will continue to grow at a higher rate than my 401k due to the larger contributions. Hop...
by dreamrider
Mon Feb 20, 2012 3:34 pm
Forum: Personal Investments
Topic: Did i screw up allocation in my brokerage account?
Replies: 9
Views: 1146

Re: Did i screw up allocation in my brokerage account?

Thanks for all the response. Most of my $$ are in 401K and ROTH IRA so I don't have to deal with taxes at this moment in life. One more question, if I have say 10k in VTI and I pay taxes for $100/year in dividends every year for 5 years ($500 total). When I sell VTI at the end of the 5 year, and say...
by dreamrider
Sun Feb 19, 2012 3:48 pm
Forum: Personal Investments
Topic: Did i screw up allocation in my brokerage account?
Replies: 9
Views: 1146

Did i screw up allocation in my brokerage account?

So I just got a 1099-DIV for my brokerage account which I hold: VEU VGK VTI I have a few hundred in "Total ordinary dividends" and a bit less in "Qualified dividends" in box 1a and 1b of the 1099-DIV form. I never had a brokerage acct before but on the surface, it looks like I have to pay taxes on t...
by dreamrider
Mon Apr 25, 2011 9:03 pm
Forum: Personal Investments
Topic: Investment % for speculation investment
Replies: 48
Views: 5231

Re: Investment % for speculation investment

Boglehead investing seems really boring. :lol: I have a co-worker that told me about this ETF ticker "AGQ". I watched the ETF perform insanely well the last few months. I passed on AAPL when everyone was saying buy at $110 in '07. Now it's at $340. Most likely I'll watch AGQ reach $300, $350+. I ke...
by dreamrider
Wed Apr 20, 2011 7:08 pm
Forum: Investing - Theory, News & General
Topic: Retirement Withdrawl for Tax Efficiency
Replies: 1
Views: 562

Retirement Withdrawl for Tax Efficiency

Let's say wife and I make 150k now and expect annual income to rise gradually until retirement. Say you had enough $$ at 50 ($2-4mil) and decide to retire early from work and draw a modest amount to live off cos you were a saver and can live off of 5k/month income. Let's say 60% was in retirement in...
by dreamrider
Fri Apr 08, 2011 12:20 pm
Forum: Personal Investments
Topic: Investment % for speculation investment
Replies: 48
Views: 5231

Investment % for speculation investment

Boglehead investing seems really boring. :lol: I have a co-worker that told me about this ETF ticker "AGQ". I watched the ETF perform insanely well the last few months. I passed on AAPL when everyone was saying buy at $110 in '07. Now it's at $340. Most likely I'll watch AGQ reach $300, $350+. I kee...
by dreamrider
Fri Apr 01, 2011 9:35 am
Forum: Personal Investments
Topic: Where to save your $$$ until you have enough to invest?
Replies: 20
Views: 1994

checking account.
by dreamrider
Fri Apr 01, 2011 8:32 am
Forum: Personal Investments
Topic: How would they know?
Replies: 7
Views: 1555

I had my ROTH with fidelity for a couple of years and downloaded all my contribution electronically. The intent was to withdraw on the principal and not take a hit on penalties if I decide to retire early prior to 59 1/2. Is this the best method?
by dreamrider
Fri Apr 01, 2011 8:27 am
Forum: Personal Investments
Topic: Why does a person under age 35 need to own bonds?
Replies: 77
Views: 9577

I'm in my early 30's and don't own any bonds either. I have a low six figure saved up and don't plan to own any bonds until 3 years or so after a bull market run of ~5years. In which turn, I will start to take profits and move maybe 20% into bond. I feel like I have still have alot of time to recove...
by dreamrider
Fri Apr 01, 2011 8:09 am
Forum: Personal Investments
Topic: How would they know?
Replies: 7
Views: 1555

Ok, that makes sense. Are we suppose to keep those forms for our records?
by dreamrider
Fri Apr 01, 2011 7:53 am
Forum: Personal Investments
Topic: How would they know?
Replies: 7
Views: 1555

How would they know?

I'm just kind of curious about this scenario. If your income is above the ROTH IRA limit, how would they know 30 years from now that you weren't elgible for a ROTH contribution? You don't report any ROTH contribution on your IRS filing.
by dreamrider
Fri Feb 04, 2011 8:43 pm
Forum: Personal Investments
Topic: Is it ever really neccessary to invest in taxable accounts?
Replies: 75
Views: 10678

I'm aware that you can take early withdrawl on the principal of Roth's. This won't be nearly enough to supplement my income in retirement though. Using your example of 150k withdrawl. That's 3 years at 50k/year. On the other hand, don't you have to pay TAX on the IRA to Roth conversion? Besides, I ...
by dreamrider
Fri Feb 04, 2011 2:31 pm
Forum: Personal Investments
Topic: Is it ever really neccessary to invest in taxable accounts?
Replies: 75
Views: 10678

Taxable account = early retirement. This is why I opened up a taxable account this year. I plan to retire early or work part time before I'm elgible for a 401k withdrawl. Not only that, correct me if I'm wrong but it seem like investment in taxable account has better tax implication than those from...
by dreamrider
Fri Feb 04, 2011 2:17 pm
Forum: Personal Investments
Topic: Is it ever really neccessary to invest in taxable accounts?
Replies: 75
Views: 10678

There are many ways to retire early. If one has very low expenses, then one would not need any taxable account. One is able to withdraw from tax-advantaged accounts without penalty before age 59.5 relatively easily. These penalty-free early withdrawals are often missed by the novices and financial ...
by dreamrider
Thu Feb 03, 2011 9:54 pm
Forum: Personal Investments
Topic: Move all in or what?
Replies: 19
Views: 2953

livesoft wrote:The market dropped on January 28. How did you feel that day? Why didn't you invest then?

Since then, general ETFs are up 2.5% to 3.5%.
I tried to but my order didn't go through. I usually put in a limit order.

I have 1% of what I expect to retire with in cash now.
by dreamrider
Thu Feb 03, 2011 9:36 pm
Forum: Personal Investments
Topic: Move all in or what?
Replies: 19
Views: 2953

Move all in or what?

I have 20% of my investment sitting on cash. The market has been doing pretty good since the beggining of the year. I'm afraid that if I buy in right now, the market could go down right after. If I don't buy in, the market could go steadily up for the next few months and I miss out on the opportunit...
by dreamrider
Thu Feb 03, 2011 9:17 pm
Forum: Personal Investments
Topic: Is it ever really neccessary to invest in taxable accounts?
Replies: 75
Views: 10678

Taxable account = early retirement. This is why I opened up a taxable account this year. I plan to retire early or work part time before I'm elgible for a 401k withdrawl. Not only that, correct me if I'm wrong but it seem like investment in taxable account has better tax implication than those from...
by dreamrider
Wed Feb 02, 2011 8:13 pm
Forum: Personal Investments
Topic: Should I do 401k rather than Roth?
Replies: 26
Views: 2785

Should I do 401k rather than Roth?

If I'm in a higher tax bracket now and expect to be in a lower tax bracket when I retire, wouldn't it be more beneficial to max out my 401k before contributing to the Roth? For the 401k, I'm gettting immediate tax write off whereas for the Roth, who knows if tax free withdrawl will be there when I r...
by dreamrider
Wed Feb 02, 2011 2:36 pm
Forum: Personal Investments
Topic: Distribution Question
Replies: 2
Views: 670

Distribution Question

Would it be tax efficient to put VGK into a taxable account? I'm a little confused on the distribution. The ETF paid a $2.30 dividend last year. Is that on a per share basis? Also how come the realized and unrealized gains/loss are so high in this ETF? I don't understand. https://personal.vanguard.c...
by dreamrider
Sat Jan 29, 2011 1:13 pm
Forum: Personal Investments
Topic: Reits for Roth
Replies: 17
Views: 3816

This is what I was thinking of doing as well.
by dreamrider
Fri Jan 28, 2011 4:44 pm
Forum: Personal Investments
Topic: Is 35% too much for International?
Replies: 18
Views: 3088

exigent wrote:After today, it's probably not 35% anymore... 8)
Doesn't matter what happens today, as long as it's up in 20 years.
by dreamrider
Fri Jan 28, 2011 4:41 pm
Forum: Personal Investments
Topic: Is 35% too much for International?
Replies: 18
Views: 3088

Maybe I should look at the wiki again to see what the purpose of Bond is for. It seem like if I had 10% in bonds, that wouldn't do much to conserve any losses that I would endure if equities fell. If I was closer to retirement, say 10 years, its one thing to have 20% bonds. But I have a long time t...
by dreamrider
Fri Jan 28, 2011 3:28 pm
Forum: Personal Investments
Topic: Is 35% too much for International?
Replies: 18
Views: 3088

Maybe I should look at the wiki again to see what the purpose of Bond is for. It seem like if I had 10% in bonds, that wouldn't do much to conserve any losses that I would endure if equities fell. If I was closer to retirement, say 10 years, its one thing to have 20% bonds. But I have a long time to...
by dreamrider
Fri Jan 28, 2011 2:44 pm
Forum: Personal Investments
Topic: Is 35% too much for International?
Replies: 18
Views: 3088

That's 35% of my entire portfolio.

I know I'm suppose to have some bonds in my portfolio but I don't have any unless the index that i own, owns them.
by dreamrider
Fri Jan 28, 2011 2:36 pm
Forum: Personal Investments
Topic: Is 35% too much for International?
Replies: 18
Views: 3088

Is 35% too much for International?

I have $$ in a Vanguard brokerage/retail acct that I need to buy investment with. I was considering the international index VEU but that would put my portfolio at around 35% in international. Is that too much? My other option was to buy the S&P 500, mid cap, or small index. Of which, my current port...
by dreamrider
Fri Jan 21, 2011 10:25 pm
Forum: Personal Investments
Topic: Different investment vehicle
Replies: 8
Views: 1026

Thanks for all the inputs. Maybe I shouldn't have used the word brokerage account. I plan on buying ETFs and mutual fund. Vanguard fits my goal well. I just didn't know if there exist an "alternative" vehicle that I can use that is tax friendly and allow liquidity prior to the retirement age without...
by dreamrider
Fri Jan 21, 2011 8:28 pm
Forum: Personal Investments
Topic: Different investment vehicle
Replies: 8
Views: 1026

Different investment vehicle

I have investments in a Roth and 401k through work. However, I want to invest in another vehicle that allows you to pull $$ to use outside of retirement for large purchases or draw from in the future. I have a year expenses in savings now with extra coming in every month that I like to put in this a...