Search found 695 matches

by kerplunk
Sun Dec 17, 2017 9:41 pm
Forum: Investing - Help with Personal Investments
Topic: Traditional 401K, Roth 401K, or a mixture?
Replies: 10
Views: 519

Re: Traditional 401K, Roth 401K, or a mixture?

For those who don’t think these mutual fund expenses are bad, take this example into consideration: One time lump sum of $100,000 is invested for 40 years with 8% rate of return and 1% annual mutual fund fees. Final investment balance: $1,453,309. Sounds great, right? Well, you paid a total of $211,...
by kerplunk
Sun Dec 17, 2017 8:26 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard fund(s) for Roth
Replies: 5
Views: 373

Re: Vanguard fund(s) for Roth

Vanguard Target Retirement 2050 Fund (VFIFX)
by kerplunk
Sun Dec 17, 2017 8:11 pm
Forum: Investing - Help with Personal Investments
Topic: Traditional 401K, Roth 401K, or a mixture?
Replies: 10
Views: 519

Re: Traditional 401K, Roth 401K, or a mixture?

Ridiculously expensive funds. Personally, I would not stay at that company long-term with 401(k) options like those. That S&P 500 option is your best choice. Any chance they offer a brokerage option? Do you think your tax bracket will be higher or lower in retirement than right now? I would go Roth ...
by kerplunk
Sun Dec 17, 2017 2:55 pm
Forum: Investing - Help with Personal Investments
Topic: going to cash w present instability
Replies: 48
Views: 6840

Re: going to cash w present instability

It is difficult to find an overall safer investment than Vanguard’s Target Retirement Income mutual fund.
by kerplunk
Sun Dec 17, 2017 2:31 pm
Forum: Investing - Theory, News & General
Topic: Best 401k Employer Match Structure
Replies: 53
Views: 2386

Re: Best 401k Employer Match Structure

aarsmith54 wrote:
Sun Dec 17, 2017 1:20 pm
My company funds my 401k to the IRS maximum $55k without requiring any contributions from me. I am also fully vested immediately. This is in lieu of a higher salary (I make less than $100k).
That's pretty interesting. Can you reveal which company this is? MegaCorp?
by kerplunk
Sun Dec 17, 2017 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: anyone been able to connect Wells Fargo Mortgage to Mint.com?
Replies: 5
Views: 480

Re: anyone been able to connect Wells Fargo Mortgage to Mint.com?

I think you guys are crazy to allow a site like that login to your financial accounts.

Also, two-factor authentication is very important for security.
by kerplunk
Sun Dec 17, 2017 12:30 pm
Forum: Investing - Theory, News & General
Topic: Best 401k Employer Match Structure
Replies: 53
Views: 2386

Re: Best 401k Employer Match Structure

My company works out to be:

1% 401(k) match
2% employee stock ownership
5% profit sharing
by kerplunk
Sun Dec 17, 2017 12:24 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on annuity & other retirement ideas
Replies: 8
Views: 568

Re: Thoughts on annuity & other retirement ideas

Nice of them to let you know that you have a “special plan, better than most.” What makes it special?

Check out ImmediateAnnuities.com to see how better or worse it actually is.
by kerplunk
Sat Dec 16, 2017 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: When to move into bonds
Replies: 46
Views: 3459

Re: When to move into bonds

Ben Graham would have recommended you make the move a long time ago. He said that the default position should be 50/50 and that everyone should be somewhere between 75/25 and 25/75. We just all think we know better. It sounds like he/you think you/him know better. :) OP, if you are unsure, ask your...
by kerplunk
Fri Dec 15, 2017 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Creating Portfolio with Company Offering for 401k.
Replies: 10
Views: 584

Re: Help with Creating Portfolio with Company Offering for 401k.

The aggressive strategic balance fund may be of interest. It is 85/15. 18% of the equities are international.

https://www.401ksave.net/prsee/pdf/fund ... 1/CMT7.pdf
by kerplunk
Thu Dec 14, 2017 10:14 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Creating Portfolio with Company Offering for 401k.
Replies: 10
Views: 584

Re: Help with Creating Portfolio with Company Offering for 401k.

Doesn’t seem like a lot of choices for funds. The S&P 500 fund is probably what I would go with. Bond/international allocations in your IRA.
by kerplunk
Wed Dec 13, 2017 10:36 pm
Forum: Investing - Help with Personal Investments
Topic: New Employer 401k & General Advice
Replies: 7
Views: 642

Re: New Employer 401k & General Advice

Is the HSA for long-term investing or do you plan to frequently use it for medical expenses?
by kerplunk
Wed Dec 13, 2017 10:31 pm
Forum: Personal Consumer Issues
Topic: Saved a lot by cell phone 'family plan'
Replies: 21
Views: 1958

Re: Saved a lot by cell phone 'family plan'

I’m all for saving money if you don’t mind a dropped call or slower speeds here and there, but let’s be absolutely clear: not all cell service providers are the same. Tier 2 providers are cheaper because they get a lower priority on the cell networks. Of the tier 1 providers, Verizon is the best; T-...
by kerplunk
Tue Dec 12, 2017 10:18 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Overview Guidance
Replies: 4
Views: 617

Re: Portfolio Overview Guidance

Tater29er wrote:
Tue Dec 12, 2017 9:41 pm
Bump! Any love for a review? How about just which 401k funds would be best? :confused
Vanguard Target Retirement fund would be my suggestion in both 401(k) accounts.
by kerplunk
Tue Dec 12, 2017 10:10 pm
Forum: Investing - Help with Personal Investments
Topic: Age 29, No Debt, 137,000+
Replies: 9
Views: 1830

Re: Age 29, No Debt, 137,000+

Halfway between 90/10 and 80/20 is 85/15.

59.5% Vanguard Total Stock Market
25.5% Vanguard Total International Stock Market
15.0% Vanguard Total Bond Market

I would consider converting that $3,000 Traditional IRA to Roth IRA if you are in a low tax bracket.
by kerplunk
Mon Dec 11, 2017 10:35 pm
Forum: Investing - Help with Personal Investments
Topic: Help w/ portfolio & w/ approximating stock market
Replies: 8
Views: 692

Re: Help w/ portfolio & w/ approximating stock market

TSM and 500 are very close. Compare them at Morningstar (chart) and you won’t see much of a difference. I would stick with TSM.

For small-cap, use Morningstar and look at Portfolio which will show you the breakdowns of capitalization. Most small-cap funds are a mix of mid and small.
by kerplunk
Mon Dec 11, 2017 10:30 pm
Forum: Personal Consumer Issues
Topic: Progressive Insurance
Replies: 22
Views: 1614

Re: Progressive Insurance

I’ve been with Flo for six years now. They are still way cheaper than other companies. Maybe give American Family a chance to match their price?
by kerplunk
Mon Dec 11, 2017 9:48 pm
Forum: Investing - Help with Personal Investments
Topic: High yield savings account
Replies: 13
Views: 1305

Re: High yield savings account

Discover is my choice. Excellent company all-around. I’ve used them for student loans, credit cards, savings accounts, and checking. Highly recommended.
by kerplunk
Mon Dec 11, 2017 9:45 pm
Forum: Investing - Help with Personal Investments
Topic: Employers- Optimum ‘matching’ formula?
Replies: 2
Views: 185

Re: Employers- Optimum ‘matching’ formula?

Just having a 401(k) option will be great for them. Offer low cost index funds (Vanguard, Fidelity, Schwab). If you match, just do 50% of their first 4% or something along those lines.
by kerplunk
Mon Dec 11, 2017 9:40 pm
Forum: Personal Consumer Issues
Topic: Snow Tires? Worth it?
Replies: 147
Views: 6280

Re: Snow Tires? Worth it?

+1 for winter tires. They could save your life.
by kerplunk
Sun Dec 10, 2017 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: Build credit or pay in full
Replies: 11
Views: 891

Re: Build credit or pay in full

What’s the interest rate?
by kerplunk
Sat Dec 09, 2017 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: 401K / Roth IRA Decision
Replies: 15
Views: 1275

Re: 401K / Roth IRA Decision

If my 401(k) expenses were that high, I would find a new job. No sarcasm.
by kerplunk
Sat Dec 09, 2017 2:46 pm
Forum: Investing - Theory, News & General
Topic: Why is Vanguard switching all accounts to brokerage accounts?
Replies: 44
Views: 5314

Re: Why is Vanguard switching all accounts to brokerage accounts?

I work for a financial institution so I legally cannot have any outside brokerage accounts. Vanguard has allowed me to stay legacy.
by kerplunk
Sat Dec 09, 2017 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Does this happen to you? Educating friends about personal finance
Replies: 104
Views: 5908

Re: Does this happen to you? Educating friends about personal finance

The problem with giving advice in any situation is that it’s a lose/lose for you. If the advice goes well, you don’t gain anything from it (and probably used a substantial amount of time and effort to make your point), but in all other cases, you are now responsible for anything that happens. “I kne...
by kerplunk
Sat Dec 09, 2017 12:21 am
Forum: Personal Finance (Not Investing)
Topic: How to lead a horse to (boglehead) water?
Replies: 10
Views: 802

Re: How to lead a horse to (boglehead) water?

I wouldn’t bother. There is no upside for you.
by kerplunk
Fri Dec 08, 2017 10:09 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 4
Views: 537

Re: Portfolio Review

You can do an in-kind transfer to consolidate your accounts to your preferred institution (Vanguard, for example). It is not a taxable event unless you sell your position (realize gains).
by kerplunk
Fri Dec 08, 2017 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Fidelity Mutual Funds for 401k
Replies: 9
Views: 651

Re: Help with Fidelity Mutual Funds for 401k

What do you mean by “hot index funds”?
by kerplunk
Tue Dec 05, 2017 10:05 pm
Forum: Investing - Theory, News & General
Topic: Vanguard or Betterment for our company 401k plan?
Replies: 10
Views: 1282

Re: Vanguard or Betterment for our company 401k plan?

Betterment is cooler for those younger folks? Why not go with the 100% Bitcoin plan and be really trendy.

Go with Vanguard. It’s cheaper and has a great UI.
by kerplunk
Tue Dec 05, 2017 9:37 pm
Forum: Personal Consumer Issues
Topic: How many security Camera's
Replies: 15
Views: 1358

Re: How many security Camera's

Check out the Nest outdoor cameras.
by kerplunk
Mon Dec 04, 2017 10:22 pm
Forum: Investing - Help with Personal Investments
Topic: New Investor Questions About ESOP and Fund Selection
Replies: 3
Views: 227

Re: New Investor Questions About ESOP and Fund Selection

If these were my options, I would use: 38.4% Schwab S&P 500 Index (SWPPX) (ER: 0.03%) 9.6% Schwab Small Cap Index (SWSSX) (ER: 0.05%) 32% Schwab International Index (SWISX) (ER: 0.06%) 20% iShares Aggregate US Bonds (WFBIX) (ER: 0.05%) You wrote your post very well, so I feel bad about a short respo...
by kerplunk
Sun Dec 03, 2017 10:48 pm
Forum: Investing - Help with Personal Investments
Topic: Spending Taxable to Zero during Retirement
Replies: 42
Views: 5079

Re: Spending Taxable to Zero during Retirement

I am retired and not spending any of my tax-advantaged assets at the present time. I expect that my taxable assets will last quite a while and well past age 70.5 when RMDs might kick in for any remaining tax-deferred accounts that I have. In the meantime, it's Roth conversions every year. So to ans...
by kerplunk
Sun Dec 03, 2017 10:10 pm
Forum: Personal Consumer Issues
Topic: Target Gift Cards are 10% Off Today (Sunday 12/3/17)
Replies: 17
Views: 1929

Re: Target Gift Cards are 10% Off Today (Sunday 12/3/17)

Awesome! Thank you. Just purchased six $50 gift cards with my Discover It card for a total of 15% off. It's free money!
by kerplunk
Sun Dec 03, 2017 5:16 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with excess cash
Replies: 17
Views: 1157

Re: What to do with excess cash

Financial advisors are salespeople and nothing more. An accountant will generally give you more useful advice than an FA.

It sounds like you should read the book (The Bogleheads’ Guide to Investing) and if you still have questions, here we are.
by kerplunk
Sun Dec 03, 2017 1:46 pm
Forum: Investing - Help with Personal Investments
Topic: Help me choose one of these High Dividend Yield ETFs
Replies: 12
Views: 746

Re: Help me choose one of these High Dividend Yield ETFs

Now that we know what your goal is, can you elaborate on why it is your goal in the first place?
by kerplunk
Wed Nov 29, 2017 10:44 pm
Forum: Personal Consumer Issues
Topic: Older Software Engineer Advice ~ Languages?
Replies: 41
Views: 3298

Re: Older Software Engineer Advice ~ Languages?

Hard to go wrong with Java.
by kerplunk
Tue Nov 28, 2017 11:02 pm
Forum: Personal Consumer Issues
Topic: Honda CRV All Wheel Drive VS Front Wheel, Which One?
Replies: 74
Views: 5135

Re: Honda CRV All Wheel Drive VS Front Wheel, Which One?

I live in Florida and just bought a new CR-V. It is front wheel drive. I wish it was all wheel drive. Nothing worse than front wheel spin. Get AWD — you won’t regret it.
by kerplunk
Tue Nov 28, 2017 10:57 pm
Forum: Personal Consumer Issues
Topic: Safest roomy luxury suv?
Replies: 58
Views: 5125

Re: Safest roomy luxury suv?

I own a 2016 Porsche Cayenne. Highly recommended. It checks all the boxes.
by kerplunk
Mon Nov 27, 2017 9:34 pm
Forum: Investing - Help with Personal Investments
Topic: Bond choice
Replies: 3
Views: 281

Re: Bond choice

For your tax bracket, in tax-advantaged accounts, Total Bond Market is a terrific choice. In a taxable account, I would look at the Intermediate-Term Tax-Exempt Fund.
by kerplunk
Mon Nov 27, 2017 9:30 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 401K Investments
Replies: 5
Views: 488

Re: Help with 401K Investments

Vanguard Target Retirement funds are excellent, and it sounds like what you are ultimately looking for.

Provide this information if you want a more detailed analysis: Asking Portfolio Questions
by kerplunk
Mon Nov 27, 2017 8:32 pm
Forum: Investing - Help with Personal Investments
Topic: Inheriting a large sum, slightly intimidated.
Replies: 51
Views: 5158

Re: Inheriting a large sum, slightly intimidated.

mega317 wrote:
Mon Nov 27, 2017 8:16 pm
You are seriously suggesting 100% stocks for someone who has indicated some risk-aversion, and that he maintain that allocation until the day of retirement?
Yes. He said he wants to “buy and hold for a long, long time.”

I hope he enjoys his $10 million in 20 years.
by kerplunk
Mon Nov 27, 2017 8:04 pm
Forum: Investing - Help with Personal Investments
Topic: Inheriting a large sum, slightly intimidated.
Replies: 51
Views: 5158

Re: Inheriting a large sum, slightly intimidated.

Put 50% in Total Stock Market and 50% in Small-Cap Value. Forget about it. Look at it in 20 years. Retire.
by kerplunk
Sun Nov 26, 2017 6:13 pm
Forum: Investing - Help with Personal Investments
Topic: Comments on my proposed investment plan
Replies: 9
Views: 849

Re: Comments on my proposed investment plan

Congrats on the $7 million after-tax sale of your business. Sounds like we should be asking for your advice.
by kerplunk
Sun Nov 26, 2017 6:10 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review requested and some tactical steps
Replies: 4
Views: 546

Re: Portfolio review requested and some tactical steps

I suggest consolidating these accounts and using the three-fund portfolio.
by kerplunk
Sun Nov 26, 2017 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement personal advisor
Replies: 14
Views: 1537

Re: Retirement personal advisor

Why not ask the people you are asking right now? (Bogleheads community)
by kerplunk
Sun Nov 26, 2017 12:02 am
Forum: Personal Finance (Not Investing)
Topic: Enough to retire???
Replies: 22
Views: 3373

Re: Enough to retire???

How are you all estimating healthcare costs of $30k to $40k per year for the couple?

I ran some scenarios for 2018 on HealthCare.gov and came back with the following healthcare costs per person:

58 year old male w/ $20,000 income = $0/month
58 year old male w/ $60,000-$100,000 income = $950/month
by kerplunk
Mon Oct 30, 2017 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirement Healthcare
Replies: 37
Views: 3766

Re: Early Retirement Healthcare

Isn’t Medicaid way more expensive ($6,000/year) versus ACA with best subsidy ($600/year)? I used one of those quick healthcare calculators and it said that would be the difference.
by kerplunk
Mon Oct 30, 2017 8:08 am
Forum: Personal Finance (Not Investing)
Topic: Early Retirement Healthcare
Replies: 37
Views: 3766

Re: Early Retirement Healthcare

Thanks for the responses, everyone. If he is in a Medicaid expansion state, which he is, does he need to actually go beyond $16k in income even though around $12,000 is the minimum for ACA? Or what is the maximum for Medicaid? It sounds like he should try to have the smallest amount of income to qua...