Search found 16 matches

by cincyinvestor
Wed Sep 23, 2020 12:47 pm
Forum: Personal Consumer Issues
Topic: Smoker next door
Replies: 79
Views: 4539

Re: Smoker next door

I have to imagine from a risk potential of fire goes way up if your neighbor in a connected unit is a regular smoker...
by cincyinvestor
Tue Sep 22, 2020 10:54 am
Forum: Personal Investments
Topic: Early 30s Portfolio Review
Replies: 7
Views: 1287

Re: Early 30s Portfolio Review

Looks pretty good!

Small thing, but only $2k in the HSA? I think that's typically the cash limit before investments can start to be made - is this just something brand new for you?

I'd think you want to max the HSA. Is there an HSA option for her as well?
by cincyinvestor
Mon Sep 21, 2020 9:29 am
Forum: Personal Investments
Topic: In need of a strategy update
Replies: 14
Views: 1374

Re: In need of a strategy update

"Vanguard Variable Annuity - Capital Growth Portfolio" has a below average expense ratio of 0.34%, invests in domestic large-cap growth stocks, and is managed by PRIMECAP. Although not an index fund it is not a bad way to invest, it is not "crummy" in my opinion. It is much less...
by cincyinvestor
Fri Sep 18, 2020 2:38 pm
Forum: Personal Investments
Topic: Can I afford a $1,400,000 house
Replies: 112
Views: 16634

Re: Can I afford a $1,400,000 house

Congrats to OP. Nothing wrong with what you did. I was just looking through the original thread - it seems like the big risk was buying a home upfront to fit your future lifestyle. Everything worked out as you expected it to with careers, salaries, etc. So there's no issue. It seemed however there w...
by cincyinvestor
Fri Sep 18, 2020 12:13 pm
Forum: Personal Investments
Topic: In need of a strategy update
Replies: 14
Views: 1374

Re: In need of a strategy update

Is that "Vanguard Variable Annuity - Capital Growth Portfolio" ? Is there a defined contribution plan offered by her employer? Goals: Retirement, college funding in 20 years x2. We're 3 years into a home and will likely look to get our 2nd home in 3-7 years. So I'd expect to have some/mos...
by cincyinvestor
Fri Sep 18, 2020 11:14 am
Forum: Personal Investments
Topic: In need of a strategy update
Replies: 14
Views: 1374

Re: In need of a strategy update

. . . She also has a Roth. Currently contributing maybe $4k/annually. It's a very inaccessible program so I dont have a lot of details to provide here unfortunately. Do you mean she is contributing to a Roth IRA? Or is she making Roth contributions to a work-based plan like a 403b, 457b, 401k, or t...
by cincyinvestor
Fri Sep 18, 2020 10:32 am
Forum: Personal Investments
Topic: In need of a strategy update
Replies: 14
Views: 1374

Re: In need of a strategy update

Is that "inflows are $120-150k" a one-time event, or a recurring cash flow? It's good to see that you are debt free other than the mortgage note. But you can do better than 4%. Bankrate.com "Refinance rates" . I suggest refinancing the mortgage, or if that's not possible for som...
by cincyinvestor
Fri Sep 18, 2020 9:01 am
Forum: Personal Investments
Topic: In need of a strategy update
Replies: 14
Views: 1374

Re: In need of a strategy update

OP, Do you have a target Asset Allocation? What are your key goals for this money? Is there a reason you haven’t consolidated similar accounts (e.g. 401Ks, Roth’s)? WoodSpinner My focus has just been a simple heavy stock allocation predominantly tied to the index funds. I have tried in the past to ...
by cincyinvestor
Fri Sep 18, 2020 8:56 am
Forum: Personal Investments
Topic: In need of a strategy update
Replies: 14
Views: 1374

Re: In need of a strategy update

What is the approximate size of your portfolio. What is the approximate size of the "additional cash inflows on a larger scale"? It's a good idea to make maximum annual contributions to your 401k and Roth IRAs for both yourself and wife. Does your wife have a tax-advantaged plan at work t...
by cincyinvestor
Fri Sep 18, 2020 8:13 am
Forum: Personal Investments
Topic: In need of a strategy update
Replies: 14
Views: 1374

In need of a strategy update

Hello all, I'm probably well overdue for some sort of review of overall investments. I'll possibly have some additional cash inflows on a larger scale soon so I'm trying to determine a more efficient strategy for my overall portfolio and how to prioritize assumed 'extra' inflows. I'd appreciate any ...
by cincyinvestor
Sun Aug 03, 2014 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Loan Management
Replies: 5
Views: 881

Re: Loan Management

Thank you for your responses. To add a little more information, she's enrolled in the state teachers retirement system program - which is defined benefit - she has about $8800 accumulated. I'm also pushing her to explore the other tax-advantaged options, of which they'll be broadcasting again as sch...
by cincyinvestor
Fri Aug 01, 2014 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Loan Management
Replies: 5
Views: 881

Loan Management

Hello, My fiance and I have had ongoing discussions about our finances, personal budgeting, etc etc. I'm hoping to get some loan management guidance... Me: 29, finance job, $57-60k/yr, no debt, no loans -Save 25-30% in HSA/ROTH/401k, savings, etc etc. - at about $85k in retirement Her: 28, teacher, ...
by cincyinvestor
Tue May 15, 2012 9:05 pm
Forum: Personal Investments
Topic: Portfolio Review / Rebalancing
Replies: 9
Views: 1431

Re: Portfolio Review / Rebalancing

John, Thank you for the feedback. To anyone - since I'm with scottrade, are the Scottrade Focus Morningstar EFT's worth looking into - since they are commission free? ER's seem low...? Focus Morningstar US Market Index ETF (FMU) Focus Morningstar Large Cap Index ETF (FLG) Focus Morningstar Mid Cap I...
by cincyinvestor
Sun May 13, 2012 2:42 pm
Forum: Personal Investments
Topic: Portfolio Review / Rebalancing
Replies: 9
Views: 1431

Re: Portfolio Review / Rebalancing

Taxable Scottrade is a remnant and no additional contributions are going in. I contribute an additional $150 to the Scottrade Roth per month. JohnM: Balanced is .25 Retirement Target is .36 vs bond is .37 500 index is: .35 so not huge differences there. The Intl, lg cap value/growth and small cap ha...
by cincyinvestor
Sun May 13, 2012 12:33 pm
Forum: Personal Investments
Topic: Portfolio Review / Rebalancing
Replies: 9
Views: 1431

Re: Portfolio Review / Rebalancing

Here is a list of the 401K funds available - they dont appear to have a ticker symbol listed: Stable Value - .43 Bond Index - .37 Vanguard Balanced - .25 Vanguard Retirement Income - .34 (Multiple Vanguard Target Retirement funds 2010-2050 - .36 ea) Large Cap Value - .65 S&P 500 Index - .35 Larg...
by cincyinvestor
Sat May 12, 2012 5:33 pm
Forum: Personal Investments
Topic: Portfolio Review / Rebalancing
Replies: 9
Views: 1431

Portfolio Review / Rebalancing

I've been reading up on this forum for a while along with lots of other personal finance on the internet but finally decided it was time to get some solid feedback on my current status rather than let it idle. I'm 27 now, only working at this about 4 years, effectively debt free but when it comes to...