Search found 6697 matches

by rkhusky
Tue Jul 16, 2019 8:15 pm
Forum: Personal Investments
Topic: Confused by allocations for Tax Efficiency
Replies: 20
Views: 1437

Re: Confused by allocations for Tax Efficiency

What is your asset allocation for all the different pieces that you are holding, in terms of your whole portfolio? It makes no sense to hold separate REIT, small value, large value, international, etc funds, without a set allocation to them. If all you care about is the stock/bond ratio, then you sh...
by rkhusky
Sat Jul 13, 2019 10:35 pm
Forum: Personal Investments
Topic: Canada as an EM substitute
Replies: 11
Views: 896

Re: Canada as an EM substitute

If Canada strongly correlates with EM, then you could go with either one with equivalent results. So, choose the fund that is cheaper. FICDX has an er of 0.89%. My EM fund is much cheaper.
by rkhusky
Tue Jul 09, 2019 6:43 pm
Forum: Investing - Theory, News & General
Topic: How to calculate % of my International Fund relative to the rest?
Replies: 13
Views: 638

Re: How to calculate % of my International Fund relative to the rest?

You either say something like “30% of my portfolio is international stocks” or something like “40% of my stocks are International”. With the former divide by total portfolio and with the latter divide by total amount of stocks.
by rkhusky
Mon Jul 08, 2019 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: W4 Withholding exemption
Replies: 3
Views: 314

Re: W4 Withholding exemption

Choosing the correct number of exemptions to match your expected tax liability would seem to be the best approach. Taking advantage of any applicable safe harbors is also appropriate.
by rkhusky
Sun Jul 07, 2019 6:58 am
Forum: Personal Investments
Topic: How does tax with-holding work for International funds in retirement accounts
Replies: 11
Views: 663

Re: How does tax with-holding work for International funds in retirement accounts

International funds, like Total International, currently have a higher dividend rate and a lower percentage of qualified dividends, such that the benefit of holding international in a taxable account due to the foreign tax credit is partially or mostly eliminated. The option of not holding any inte...
by rkhusky
Sat Jul 06, 2019 4:10 pm
Forum: Personal Investments
Topic: Transition from Target date to 3 fund portfolio
Replies: 16
Views: 1719

Re: Transition from Target date to 3 fund portfolio

After making assumption about future taxes, a proper calculation must account for the long-term impact of locating a slower growth asset into a tax-sheltered account, and leaving a higher growth asset exposed to regular taxes on growing income into a taxable account. My comment was about tax-deferr...
by rkhusky
Sat Jul 06, 2019 4:06 pm
Forum: Personal Investments
Topic: How does tax with-holding work for International funds in retirement accounts
Replies: 11
Views: 663

Re: How does tax with-holding work for International funds in retirement accounts

International funds, like Total International, currently have a higher dividend rate and a lower percentage of qualified dividends, such that the benefit of holding international in a taxable account due to the foreign tax credit is partially or mostly eliminated. The option of not holding any inter...
by rkhusky
Sat Jul 06, 2019 8:12 am
Forum: Personal Investments
Topic: Transition from Target date to 3 fund portfolio
Replies: 16
Views: 1719

Re: Transition from Target date to 3 fund portfolio

1. Is this allocation good? The 2040 TD has around 15% bond. Is better to go with 20% bond? 2. Whats the best way to convert from TD to 3 fund? Is there any automatic way to convert it? 15% vs 20% is a purely personal choice. Neither is inherently better than the other. Do you plan to follow the al...
by rkhusky
Fri Jul 05, 2019 8:29 pm
Forum: Personal Investments
Topic: G Fund Question in Retirement
Replies: 32
Views: 2284

Re: G Fund Question in Retirement

If you like the returns of the F Fund with the safety of the G Fund, you could have your fixed income split 65/35 in G Fund/Corporate Bonds.
by rkhusky
Thu Jul 04, 2019 12:08 pm
Forum: Personal Investments
Topic: How to find current weighting of index funds
Replies: 8
Views: 382

Re: How to find current weighting of index funds

Morningstar provides that information. Note that Morningstar and Vanguard use different definitions of developed and emerging, and Morningstar changed their size definitions last year.
by rkhusky
Thu Jul 04, 2019 7:03 am
Forum: Personal Investments
Topic: Advice regarding childrens' ROTH
Replies: 20
Views: 1432

Re: Advice regarding childrens' ROTH

lakpr wrote:
Wed Jul 03, 2019 5:27 am
No way this can all be accomplished within one business day. I expect at least one full week.
Even a week is not a big deal. The average market return is on the order of 0.03%/day, so 5 business days equals 0.15%, which is trivial.
by rkhusky
Thu Jul 04, 2019 6:57 am
Forum: Personal Investments
Topic: Do Target Date Retirement Funds Have a Down Side?
Replies: 29
Views: 3208

Re: Do Target Date Retirement Funds Have a Down Side?

tennisplyr wrote:
Tue Jul 02, 2019 4:18 pm
When making withdrawals you cannot specify where you want take it from...stocks vs. bonds.
If the TD fund has the AA that you want, then there is no reason to want to withdraw from stocks vs bonds, unless you are changing your AA.
by rkhusky
Thu Jul 04, 2019 6:46 am
Forum: Personal Investments
Topic: For anyone who retired early
Replies: 13
Views: 1573

Re: For anyone who retired early

1. If she retires after reaching age 55 I believe her 403b withdrawals would be penalty-free. More precisely - retire in the year she turns 55 or later (age 50 for some public safety employees) and the withdrawals are only from the plan of the employer that she was working for in the year she turns...
by rkhusky
Wed Jul 03, 2019 7:48 am
Forum: Personal Investments
Topic: VTI to VTSAX in Brokerage Account
Replies: 10
Views: 1365

Re: VTI to VTSAX in Brokerage Account

That's a good suggestion, thank you. About how much LTCG should I accumulate before it's worthwhile to tax gain harvest? I don't see any reason not to get rid of all your LTCG at the end of every year, as long as you're paying 0% on them. Unless it's a really trivial amount (say, under $100). How a...
by rkhusky
Wed Jul 03, 2019 7:30 am
Forum: Personal Finance (Not Investing)
Topic: Where to park $50K for highest possible return but zero risk?
Replies: 32
Views: 5199

Re: Where to park $50K for highest possible return but zero risk?

60% World Stock VT / 40% Total Bond BND, or any combination of the stock & bond that you prefer. This might be okay for five years out (although not zero risk), but what is the allocation 4.5 years from now? An option is to look at the allocations for college 529 plans, where the money needs to be ...
by rkhusky
Tue Jul 02, 2019 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Change withholding allowance?
Replies: 5
Views: 495

Re: Change withholding allowance?

The child will give you a $2000 tax credit. No to medical deduction, unless you use an FSA or HSA.

Are the mortgage and tax deductions new for 2019?

How much charity or other deductible expenses?
by rkhusky
Tue Jul 02, 2019 4:40 pm
Forum: Investing - Theory, News & General
Topic: Question about wash sale involving solo401k and taxable
Replies: 10
Views: 335

Re: Question about wash sale involving solo401k and taxable

The original wash sale rule did not specify account types. In recent years, the IRS has clarified that it also applies to trusts, even though the account is not titled in the name of the taxpayer, and to IRA's, even though one completely loses the ability to claim the loss if the replacement shares ...
by rkhusky
Tue Jul 02, 2019 11:25 am
Forum: Personal Investments
Topic: Vanguard transition to brokerage account
Replies: 12
Views: 1392

Re: Vanguard transition to brokerage account

Transactions for brokerage accounts appear as two transactions (must be passing through the required settlement account), whereas mutual fund account transactions are listed as one transaction. The latter seem much more understandable, but I am getting used to the former (I just ignore one of the tr...
by rkhusky
Mon Jul 01, 2019 10:05 pm
Forum: Personal Investments
Topic: VTI to VTSAX in Brokerage Account
Replies: 10
Views: 1365

Re: VTI to VTSAX in Brokerage Account

I currently have $11,722 in VTI in my Brokerage Account and am thinking about switching to VTSAX for simplicity sake to buy a fixed dollar amount instead of shares. I currently have $328 in short term capital gains and $507 in long term capital gains for a total of $835 gain. I am in the 12% tax br...
by rkhusky
Mon Jul 01, 2019 9:05 am
Forum: Personal Finance (Not Investing)
Topic: dependent care FSA/child tax decution affects on MAGI
Replies: 10
Views: 692

Re: dependent care FSA/child tax decution affects on MAGI

2. Child Care tax credit - this does NOT affect MAGI because it is a tax credit - correct? Note that the Child Tax Credit doesn’t have anything to do with expenses for childcare. These are two different tax credits. The child care tax credit has everything to do with child care expenses. The child ...
by rkhusky
Mon Jul 01, 2019 8:57 am
Forum: Personal Investments
Topic: Can I add Social Security to my asset allocation of bonds?
Replies: 42
Views: 2619

Re: Can I add Social Security to my asset allocation of bonds?

I calculate my AA in order to know when to rebalance. I can’t rebalance with my pension or SS. Therefore I don’t count them in my AA.
by rkhusky
Sun Jun 30, 2019 8:32 am
Forum: Investing - Theory, News & General
Topic: Why isn't the distribution yield a valuable number? (for VWIUX)
Replies: 37
Views: 2279

Re: Why isn't the distribution yield a valuable number? (for VWIUX)

You can look at both. The SEC yield is considered a more accurate estimate of future income, but if you prefer distribution yield, you can use that too.
by rkhusky
Sun Jun 30, 2019 7:25 am
Forum: Personal Finance (Not Investing)
Topic: dependent care FSA/child tax decution affects on MAGI
Replies: 10
Views: 692

Re: dependent care FSA/child tax decution affects on MAGI

dred pirate wrote:
Sat Jun 29, 2019 10:56 am
2. Child Care tax credit - this does NOT affect MAGI because it is a tax credit - correct?
Note that the Child Tax Credit doesn’t have anything to do with expenses for childcare.
by rkhusky
Fri Jun 28, 2019 7:39 am
Forum: Investing - Theory, News & General
Topic: Spousal Consent Required for 401(k) Plan Withdrawals or Rollovers?
Replies: 24
Views: 2069

Re: Spousal Consent Required for 401(k) Plan Withdrawals or Rollovers?

HomeStretch wrote:
Wed Jun 26, 2019 6:42 am
But, if required, a signature shouldn’t be too hard to obtain from a spouse.
Often the signature needs to be notarized on a paper form and mailed, which is more of a hassle. Especially if you want to do multiple withdrawals per year.
by rkhusky
Fri Jun 28, 2019 7:34 am
Forum: Personal Investments
Topic: Should I bother trying to replicate Total US Stock Market in my 401k?
Replies: 25
Views: 1667

Re: Should I bother trying to replicate Total US Stock Market in my 401k?

You won’t know if it makes a difference until after the fact. I would add the small caps since there is no added cost and very little extra effort.
by rkhusky
Tue Jun 25, 2019 8:07 am
Forum: Personal Consumer Issues
Topic: Chrysler Pacifica - Yes or No
Replies: 29
Views: 1899

Re: Chrysler Pacifica - Yes or No

Cars are significantly more reliable than they were 20-30 years ago. That ancient history colors many people's perceptions of today's reliability. And one should look at absolute reliability, along with relative reliability - just like one should look at absolute ER, along with relative ER, in compa...
by rkhusky
Mon Jun 24, 2019 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Are 529 contributions tax deductible in California?
Replies: 9
Views: 986

Re: Are 529 contributions tax deductible in California?

hammond wrote:
Mon Jun 24, 2019 1:33 am
Are 529 contributions tax deductible in California? Or are they from after-tax money?
As noted above, no.

Therefore, you might as well look around at other states' plans to see if any are better than CA in terms of choices, fees, ease-of-use, etc.
by rkhusky
Mon Jun 24, 2019 7:02 am
Forum: Personal Investments
Topic: Rebalancing a portfolio bloated with ESPP stocks
Replies: 6
Views: 607

Re: Rebalancing a portfolio bloated with ESPP stocks

5. Now that most of US stocks are in MSFT and hence in Large Cap Growth, does it make sense for me to not invest in VTSMX but instead in an index fund that tracks more of Mid cap and Small cap? Don't fall for the company name fallacy. That is, if the largest companies all split into many different ...
by rkhusky
Mon Jun 24, 2019 6:46 am
Forum: Investing - Theory, News & General
Topic: 72(t) SEPP: What did you do at 59 1/2?
Replies: 5
Views: 600

Re: 72(t) SEPP: What did you do at 59 1/2?

DRiP Guy wrote:
Mon Jun 24, 2019 5:48 am
It might be interesting to know what people who started a SEPP did when they reached 59 1/2 and could begin to take unlimited distributions.
Has it been more than 5 years since your first payment? (The requirement is age 59.5 or 5 years, whichever is longer)
by rkhusky
Sun Jun 23, 2019 9:07 pm
Forum: Personal Investments
Topic: I don't understand which accounts to place investments in
Replies: 6
Views: 793

Re: I don't understand which accounts to place investments in

401k's have more limited choices. Look at the funds with the lowest expense ratios (er's). If there is a reasonably priced total bond fund, place it in the 401k. Put either US or International in 401k. Put US and International in Roth IRA. Rebalance between stocks and bonds in 401k. Rebalance betwee...
by rkhusky
Sun Jun 23, 2019 8:03 pm
Forum: Investing - Theory, News & General
Topic: Crypto bulls are back. Are you getting in?
Replies: 278
Views: 22101

Re: Crypto bulls are back. Are you getting in?

Definitely got in and already more than tripled my money. High risk = high return. There are some other possibilities that come with taking on high risk. Beanie Babies. Sometimes the risk shows up. The higher the risk, the more likely the risk will show up. High risk = chance of high return Even if...
by rkhusky
Sun Jun 23, 2019 9:19 am
Forum: Personal Consumer Issues
Topic: Radon levels in home
Replies: 50
Views: 4362

Re: Radon levels in home

A little off subject. My house is 15 years old and has a passive Radon mitigation system (no fan) connected to the sump. When the house was built the radon level was 1 and now it is 3.9. I plan on adding a passive mitigation fan to the 3 inch PVC pipe in the attic. My question is how do you determi...
by rkhusky
Sun Jun 23, 2019 6:42 am
Forum: Personal Consumer Issues
Topic: Radon levels in home
Replies: 50
Views: 4362

Re: Radon levels in home

It's worth noting that radon is a great deal heavier than air, and as a result will tend to accumulate in the basement. Not what I've heard. If true, why does it enter the house from the ground? In thinking about this some more, there are probably a number of effects happening. One is the tendency ...
by rkhusky
Sat Jun 22, 2019 7:48 pm
Forum: Personal Investments
Topic: Rebalancing to Oblivion
Replies: 46
Views: 3799

Re: Rebalancing to Oblivion

So, what I’m wondering is – is our 50/50 allocation too high if we can’t stomach our portfolio dropping by much more than half? Is it reasonable to describe a point in our IPS where we stop rebalancing into stocks? Very unlikely that a 50/50 portfolio would drop by half. As others have mentioned, t...
by rkhusky
Sat Jun 22, 2019 7:37 pm
Forum: Personal Investments
Topic: Best TLH partner for Total Stock Market (VTSAX)?
Replies: 16
Views: 1168

Re: Best TLH partner for Total Stock Market (VTSAX)?

How is this not a wash sale? Index 500 has 500 stocks, Total Stock Market has 3600 stocks. Hardly "substantially identical". Extended Market has a median market cap of $4.6B. Total Stock Market has a median market cap of $68.6B. Again, hardly "substantially identical". Wash sales are evaluated by m...
by rkhusky
Sat Jun 22, 2019 7:35 pm
Forum: Personal Investments
Topic: Best TLH partner for Total Stock Market (VTSAX)?
Replies: 16
Views: 1168

Re: Best TLH partner for Total Stock Market (VTSAX)?

I used Large Cap Index because I have 500 Index in my IRA's.
by rkhusky
Sat Jun 22, 2019 2:22 pm
Forum: Personal Consumer Issues
Topic: Radon levels in home
Replies: 50
Views: 4362

Re: Radon levels in home

adamthesmythe wrote:
Sat Jun 22, 2019 12:52 pm
It's worth noting that radon is a great deal heavier than air, and as a result will tend to accumulate in the basement.
Not what I've heard. If true, why does it enter the house from the ground?
by rkhusky
Sat Jun 22, 2019 2:20 pm
Forum: Personal Investments
Topic: Rebalancing to Oblivion
Replies: 46
Views: 3799

Re: Rebalancing to Oblivion

So, what I’m wondering is – is our 50/50 allocation too high if we can’t stomach our portfolio dropping by much more than half? Is it reasonable to describe a point in our IPS where we stop rebalancing into stocks? Very unlikely that a 50/50 portfolio would drop by half. As others have mentioned, t...
by rkhusky
Sat Jun 22, 2019 11:08 am
Forum: Personal Consumer Issues
Topic: Radon levels in home
Replies: 50
Views: 4362

Re: Radon levels in home

A "closed" house will have the highest readings since no fresh air from windows/doors will dilute the radon. Is this necessarily true? Seems like it would depend on the outside temperature - i.e. if it is cold outside, then opening a window upstairs would cause warmer air to flow out of the house c...
by rkhusky
Fri Jun 21, 2019 8:29 am
Forum: Personal Investments
Topic: TSP Allocation for Retirement
Replies: 12
Views: 1252

Re: TSP Allocation for Retirement

So given the above - would most of you ditch the F and just put 50% in G and maybe add back some F Fund after interest rates go up a few points? I was 50/50 G/F for quite awhile, but then decided to go 100% G for bonds in the TSP and add corporate bonds in other accounts to approximately match the ...
by rkhusky
Thu Jun 20, 2019 9:11 pm
Forum: Personal Consumer Issues
Topic: Radon levels in home
Replies: 50
Views: 4362

Re: Radon levels in home

Not to hijack the thread but after bidding wars and losing two homes in MA we waived the radon test in the house that we're buying. I just assume that all basements in the NE have radon so I'm just planning on getting a remediation system without testing first. Does that make sense or does the rado...
by rkhusky
Thu Jun 20, 2019 9:08 pm
Forum: Personal Consumer Issues
Topic: Tree stump, can't use a stump grinder. Solution?
Replies: 64
Views: 5643

Re: Tree stump, cant use a stump grinder. Solution?

Hire someone to carve the stump into a lawn/garden gnome.
by rkhusky
Thu Jun 20, 2019 2:28 pm
Forum: Personal Investments
Topic: Roth & TSP Allocation Question
Replies: 14
Views: 900

Re: Roth & TSP Allocation Question

Re: moving $25k rollover IRA into her Roth, any reason not to do it all at once and get it over with as opposed to doing it in chunks? I'm MFJ in the 24% federal bracket and 0% for state. That would be about $6K in extra taxes. If there are no other tax implications and you want to move it, then it...
by rkhusky
Thu Jun 20, 2019 1:43 pm
Forum: Personal Investments
Topic: Roth & TSP Allocation Question
Replies: 14
Views: 900

Re: Roth & TSP Allocation Question

aeaiaea wrote:
Thu Jun 20, 2019 12:51 pm
I can't thank you enough for your advice! With regard to your comment immediately above, is there any reason to favor changing the rollover IRA's fund from 2045 to VTWAX before versus after the move?
No reason that I can think of.
by rkhusky
Thu Jun 20, 2019 1:34 pm
Forum: Personal Consumer Issues
Topic: Tree stump, can't use a stump grinder. Solution?
Replies: 64
Views: 5643

Re: Tree stump, cant use a stump grinder. Solution?

For a freshly cut tree, I recommend stump grinding, followed by drilling holes and filling with straight Roundup, as well as spreading on the cut surface, to kill the roots.
by rkhusky
Thu Jun 20, 2019 11:53 am
Forum: Personal Investments
Topic: Roth & TSP Allocation Question
Replies: 14
Views: 900

Re: Roth & TSP Allocation Question

A question about moving the rollover IRA into her Roth - if I am going to switch the Roth's from 2045 to VTWAX should I also switch the rollover IRA to VTWAX ahead of this move? Changes in funds to a Roth and Rollover IRA are not taxable events, correct? Moving from a Traditional IRA to a Roth IRA ...
by rkhusky
Thu Jun 20, 2019 11:52 am
Forum: Personal Investments
Topic: TSP Allocation for Retirement
Replies: 12
Views: 1252

Re: TSP Allocation for Retirement

The F Fund contains about 35% corporate bonds, which are much riskier than the G Fund. The 65% Treasuries in F Fund are about the same risk as the G Fund. The G Fund has done better in recent years while interest rates have risen a bit. The F Fund generally did better in the 10-20 years before that ...
by rkhusky
Thu Jun 20, 2019 11:01 am
Forum: Personal Investments
Topic: Roth & TSP Allocation Question
Replies: 14
Views: 900

Re: Roth & TSP Allocation Question

Just be aware that maximizing efficiency also means added maintenance. If I'm being honest, I really do not like the idea of added maintenance. Perhaps the happy medium is to move all of her $25k rollover IRA to her Roth (moving to her 403b is not an option due to high fees) this year, and switch h...
by rkhusky
Thu Jun 20, 2019 10:49 am
Forum: Personal Investments
Topic: TSP Allocation for Retirement
Replies: 12
Views: 1252

Re: TSP Allocation for Retirement

I'm retired and looking for advice on my TSP Allocation. I haven't begun disbursements from this fund yet but want to follow a 4% per year withdrawal rate hoping to make my balance last for 30 years. I'm currently invested as follows: C (40%) S (10%) G (44%) F (6%). My primary question is what do y...