Search found 65 matches

by jbran99
Fri Oct 13, 2017 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: [Social Security announces 2.0% benefit increase for 2018]
Replies: 26
Views: 3353

Re: Social Security announces 2.0% benefit increase for 2018

Interesting. Wonder if 401k/HSA contribution limits will go up as well? HSA limits did indeed increase for 2018 - it was announced earlier this year . 401k limits for 2018 will almost certainly increase . Official announcement later this month (if history holds). It's very likely that IRA limits wi...
by jbran99
Thu Aug 24, 2017 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: State taxes on Vanguard's Tax-Exempt Bond Index Fund
Replies: 8
Views: 748

Re: State taxes on Vanguard's Tax-Exempt Bond Index Fund

I hold intermediate term tax-exempt (VWIUX). As part of my tax package from Vanguard, there is a chart detailing the breakdown by state. This link will likely be useful: https://personal.vanguard.com/us/insigh ... ecific-tax
by jbran99
Wed Jun 21, 2017 10:37 am
Forum: Personal Consumer Issues
Topic: Google Fi? pros/cons? anyone using it?
Replies: 53
Views: 5252

Re: Google Fi? pros/cons? anyone using it?

The best parallel I've drawn is a comparison to Blockbuster (et. al) policies back-in-the-day. The video stores wouldn't reduce prices on a per-rental basis. Instead, they keep offering longer rental periods (3-day --> 5-day --> 7-day). For me, a longer rental period provided very little value (I re...
by jbran99
Wed Apr 12, 2017 1:42 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 330
Views: 35044

Re: Tesla Model 3 or Chevy Bolt?

For some reason, North Dakota is a holdout. Afaik, it's the only one of the 48 states without a supercharger. Arkansas doesn't have a supercharger quite yet. Their first is currently under construction on the southwest side of Little Rock. Superchargers in Memphis and Texarkana are on the TN & ...
by jbran99
Wed Mar 29, 2017 10:10 am
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 330
Views: 35044

Re: Tesla Model 3 or Chevy Bolt?

misterno wrote:$20,000 per tonne? The above chart shows $7,000

And with these prices it still does not deter EV manufacturers to stop. Well what if it goes to $100,000/tonne?

Did you actually read the article?
by jbran99
Wed Mar 29, 2017 9:35 am
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 330
Views: 35044

Re: Tesla Model 3 or Chevy Bolt?

Some relevant quotes from a Bloomberg article published today titled "The Great Nevada Lithium Rush" From the article: Banks and consultants such as Deutsche Bank and Macquarie Research are near-unanimous in the belief that the next several years will see an increase of 60 percent to 250 p...
by jbran99
Fri Mar 03, 2017 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: Employee Stock Purchasing Program
Replies: 19
Views: 1438

Re: Employee Stock Purchasing Program

I have kept every share I've ever bought through our ESPP and have kept every share of stock grants when it vests. The company is in great shape and has a great future. The stock is up significantly recently so accumulating as many shares as possible was the right strategy. I suspect the same viewp...
by jbran99
Fri Mar 03, 2017 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Low Interest Variable Debt
Replies: 8
Views: 579

Re: Low Interest Variable Debt

Add another voice to the "switch to trad'l 401k" chorus... In addition, I would spend some time reading (and re-reading) "If You Can" by Dr. Bernstein . It's a short e-Book (e-Booklet?) at 18 pages, but if you take your time, reflect on the message, and read the follow-up assignm...
by jbran99
Thu Mar 02, 2017 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: What are my options for reducing risk?
Replies: 7
Views: 589

Re: What are my options for reducing risk?

From a previous post you listed assets of ~$550k in non-retirement. How much of that is going toward building this house? Are you expecting to pay cash for the entire house or will you carry a mortgage? How do you reconcile this apparent shortage of cash with your "I have achieved 'great wealth...
by jbran99
Wed Feb 01, 2017 9:16 am
Forum: Investing - Help with Personal Investments
Topic: 529 strategy for second child, including possible future TLH?
Replies: 5
Views: 708

Re: 529 strategy for second child, including possible future TLH?

1. If an add'l $300/mo isn't feasible for Son's 529 contributions, what percentage split makes sense between Daughter & Son? 50/50? More to one or the other - like 66/33 or 75/25? Realizing that money is fungible and beneficiaries can be changed, what have others done? Anyone else willing to sh...
by jbran99
Tue Jan 31, 2017 2:38 pm
Forum: Investing - Help with Personal Investments
Topic: 529 strategy for second child, including possible future TLH?
Replies: 5
Views: 708

Re: 529 strategy for second child, including possible future TLH?

I think that is what your intentions are: 100% equities for now, then add bonds with a different owner in the future. Yes, that's what I intend; apologies for not being as clear as I should've. Thank you for sharing your experience - I'm glad to have learned of the 529 TLH option, but hope to not h...
by jbran99
Tue Jan 31, 2017 11:42 am
Forum: Investing - Help with Personal Investments
Topic: 529 strategy for second child, including possible future TLH?
Replies: 5
Views: 708

529 strategy for second child, including possible future TLH?

Hi all, I'll lead with my questions and fill in the details below. The questions: 1. What have others done in terms of adjusting 529 contributions following the arrival of add'l children? 2. Do I have the logistics correct to preserve the (albeit remote) possibility of tax-loss harvesting in our 529...
by jbran99
Tue Jan 24, 2017 3:26 pm
Forum: Personal Consumer Issues
Topic: Cell service abroad, what did I do wrong
Replies: 29
Views: 2685

Re: Cell service abroad, what did I do wrong

If you travel much internationally, consider a switch to Google's Project FI: https://fi.google.com/about/plan/#works-internationally

On a trip to Norway this past summer, Google Fi worked flawlessly for Voice, SMS/MMS, and Data (including GPS).

The pricing transparency/simplicity (including credit for unused data) is another huge plus, IMO.
by jbran99
Thu Jan 12, 2017 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Does this change the 401k/Roth decision?
Replies: 6
Views: 1069

Re: Does this change the 401k/Roth decision?

At least for the two examples you gave, at least financially, those wouldn't throw us off much A diagnosis of muscular dystrophy, multiple sclerosis, ALS, or early-onset alzheimer's/dementia could certainly impact one's spending on cutting-edge or experimental medical procedures far beyond your cur...
by jbran99
Thu Jan 12, 2017 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Does this change the 401k/Roth decision?
Replies: 6
Views: 1069

Re: Does this change the 401k/Roth decision?

My wife and I are 28... ... when we retire (at ~60 ... ... 85% chance of retiring in a state with income tax... ... our taxable account alone ... will be giving off of ~$202k in dividends each year... ... adding on another $258k per year from RMD... Your post implies a level of certainty and precis...
by jbran99
Mon Jan 09, 2017 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Favorite Planning Tools
Replies: 5
Views: 726

Re: Favorite Planning Tools

My personal favorites are Google Flights, Google Maps, and Trip Advisor, but those are certainly in a different scope than the Wiki link... :beer

Edit: On a more pertinent note, I like FireCalc, cFireSIM, and i-ORP, but I'm still in the accumulation phase.
by jbran99
Tue Dec 27, 2016 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: Roth 401(k) vs. 401(k)
Replies: 26
Views: 2951

Re: Roth 401(k) vs. 401(k)

Dyloot wrote:I just wanted to make the point that a) you end up paying taxes on your gains in market

And my point is that this is not true.
by jbran99
Fri Dec 23, 2016 4:11 pm
Forum: Investing - Help with Personal Investments
Topic: Roth 401(k) vs. 401(k)
Replies: 26
Views: 2951

Re: Roth 401(k) vs. 401(k)

In the traditional, I pay zero taxes. In 20 years, if my investments return 5%, I end up with $26,532. If I'm at the 15% tax bracket, I'll pay the government $3979 in taxes. More if I pull out the money in 25 years, or 30 years, when appreciation has done more magic. In a roth, I pay the 25% up fro...
by jbran99
Fri Dec 02, 2016 10:34 am
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting with intermediate term bond fund
Replies: 2
Views: 463

Re: Tax loss harvesting with intermediate term bond fund

Given that one of your options is Cash, it seems likely that you intend to exchange back into VBIIX after 30 days. If that is indeed the case, then it likely won't matter too much what you use in the interim. On the tax-exempt side of things, many folks (myself included) used a shorter-duration fund...
by jbran99
Thu Dec 01, 2016 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: Just bought a lot of bonds today per my IPS--and felt very uneasy doing it
Replies: 23
Views: 3375

Re: Just bought a lot of bonds today per my IPS--and felt very uneasy doing it

VFIUX (intermediate term treasuries) ... lose 10-15% ... in the next couple of months. The Nov 30 closing share price for this fund was $11.23. A 10% loss would be a share price of $10.10. Some historical context: the share price for this fund bottomed out in the upper $10.4X range during May/June ...
by jbran99
Tue Nov 29, 2016 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: Help with tax loss harvesting Vanguard Intermediate Muni Bond Fund; alternative fund suggestions
Replies: 6
Views: 821

Re: Help with tax loss harvesting Vanguard Intermediate Muni Bond Fund; alternative fund suggestions

Last week I sold this exact Intermediate-Term Tax-Exempt fund (VWIUX) as part of an exchange to Limited-Term Tax-Exempt (VMLUX). My partial dividend was paid that same day. In 31 days I will exchange back to Intermediate-Term (VWIUX). I expect any loss or gain in VMLUX during this time to be negligi...
by jbran99
Tue Nov 08, 2016 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: How to retire early (in your 30s or 40s)?
Replies: 173
Views: 26441

Re: How to retire early (in your 30s or 40s)?

Don't mean to sidetrack the thread, but just curious those who will be retiring in 30's and 40's plan to do for the next 40-50 yrs. of their lives? I'm trying to figure out if these folks have a plan already or just going to wing it after retirement. ... I see a lot of folks wanting to retire early...
by jbran99
Fri Nov 04, 2016 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: How to retire early (in your 30s or 40s)?
Replies: 173
Views: 26441

Re: How to retire early (in your 30s or 40s)?

If a couple earning $100k can save $50k, pay taxes and live off the rest, that is pretty amazing (and I'd say unusual). With two 401k deductions, two IRA deductions, two exemptions, and two standard (non-itemized) deductions, they owe only $4k in taxes. That leaves $46k for spending. There are many...
by jbran99
Fri Nov 04, 2016 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: How to retire early (in your 30s or 40s)?
Replies: 173
Views: 26441

Re: How to retire early (in your 30s or 40s)?

Say you are 39 and have worked for 18 years. Your 401k and IRA are limited so how much could you really accumulate in that amount of time? Ignoring old limits and inflation and gains, $18k 401k limit + $5.5k IRA limit * 18 = $423k. Even using a 4% SWR, that is $17k a year. As was pointed out earlie...
by jbran99
Thu Nov 03, 2016 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Health - Not Sure What to Do Next
Replies: 9
Views: 2548

Re: Financial Health - Not Sure What to Do Next

Retirement: -$96k (my 401k), $26k (my Roth IRA) -$146k (wife’s 401k). I max out annually, wife nearly maxes out (but can). Our employer 401k’s are a blend of 401k/Roth 401k. ... -Should we both contribute to IRA and backdoor? (I assume this is going to be a resounding YES!) I would suggest you both...
by jbran99
Fri Jul 22, 2016 10:00 am
Forum: Personal Finance (Not Investing)
Topic: How many folks choose to give inheritance to their children in unequal portions?
Replies: 193
Views: 20010

Re: How many folks choose to give inheritance to their children in unequal portions?

I couldn't help but notice the striking similarity of topics to one of your previous posts : Some, like myself, took the lessons to heart and do as he does. Others spend every dime, and then some... I'm concerned that the amount of inheritance will be enough to negate a lifetime of savings, and put ...
by jbran99
Tue Jul 19, 2016 11:32 am
Forum: Investing - Help with Personal Investments
Topic: 1 year checkup
Replies: 8
Views: 1254

Re: 1 year checkup

There were some great things that happened like getting some MUCH better 401k options... Current Assets: ... 2016 His 401k $39,789.54 His old 401k $7,106.58 His Roth IRA $21,091.18 Her 401k $37,133.70 His IRA $5,000 Her IRA $5,000 2016 Goals ... $5,000 his IRA $5,000 her IRA With improved current 4...
by jbran99
Mon May 23, 2016 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Exclusivity and Real Estate Agents. Agree or Disagree?
Replies: 58
Views: 4687

Re: Exclusivity and Real Estate Agents. Agree or Disagree?

Around here, there's a pretty standard purchase contract that only has a few variables that change. Obviously it's important to look at the whole thing, but it's not generally complicated. When I purchased my current house, I used the seller's agent. I had a local real estate attorney review the co...
by jbran99
Wed Apr 20, 2016 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for college/loans and closing/borrowing from retirement?
Replies: 7
Views: 730

Re: Paying for college/loans and closing/borrowing from retirement?

-Loans - 5k grad school at about 6% interest -About to start my 2nd masters -Paying off car at $360 a month .9% interest with 28 months left Wife: -Loans - 25k undergrad and grad school at about 5% interest She will need another 15k in loans to finish school and I will need another 15k to start/fin...
by jbran99
Tue Nov 10, 2015 10:56 am
Forum: Personal Finance (Not Investing)
Topic: This HDHP w/HSA is a no-brainer, right?
Replies: 39
Views: 5787

Re: This HDHP w/HSA is a no-brainer, right?

coopermonster wrote:We plan to fund the HSA up to the $6,650 limit for families

The 2016 HSA Family Contribution Limit was increased to $6,750: http://www.shrm.org/hrdisciplines/benef ... imits.aspx
by jbran99
Thu Sep 24, 2015 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Worth it to sell from taxable to fill tax advantaged accounts?
Replies: 4
Views: 669

Re: Worth it to sell from taxable to fill tax advantaged accounts?

We are currently investing ~$4K/month, $48K a year and it seems we have >$58K in advantaged space available without even getting into 529s. (401Ks, HSA, Backdoor Roths, Childcare FSA ). ... We are also maxing our dependent care FSA ... which I don’t see in the priority list. ... New annual Contribu...
by jbran99
Tue Apr 14, 2015 8:30 am
Forum: Investing - Help with Personal Investments
Topic: 401k converting PIMCO Tot Return to Loomis Sayles - advice?
Replies: 13
Views: 2220

Re: 401k converting PIMCO Tot Return to Loomis Sayles - advi

I'm not the OP but it looks like an investment trust or something otherwise not a mutual fund, so no ticker. Correct - it appears to be an investment trust. Our 401k, which is pretty good in my opinion, has a few investment trusts as 'wrappers' for other funds. In fact, the PIMCO Total Return was a...
by jbran99
Mon Apr 13, 2015 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: 401k converting PIMCO Tot Return to Loomis Sayles - advice?
Replies: 13
Views: 2220

Re: 401k converting PIMCO Tot Return to Loomis Sayles - advi

PIMCO Total Return seems to be more ranging, wilder, and expensive. I would rather have this Loomis Sayles fund, at least based on the information I can find. Thanks lack_ey - that perspective is helpful. I think I'll adjust my IPS to allow for a smaller allocation to the LS fund (say ~5%), then tw...
by jbran99
Mon Apr 13, 2015 9:15 am
Forum: Investing - Help with Personal Investments
Topic: 401k converting PIMCO Tot Return to Loomis Sayles - advice?
Replies: 13
Views: 2220

Re: 401k converting PIMCO Tot Return to Loomis Sayles - advi

Self-serving bump - anyone else have any thoughts on the Loomis Sayles Core Plus Fixed Income fund as a replacement for PIMCO Total Return?
by jbran99
Sat Apr 11, 2015 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: 401k converting PIMCO Tot Return to Loomis Sayles - advice?
Replies: 13
Views: 2220

Re: 401k converting PIMCO Tot Return to Loomis Sayles - advi

I might consider doing this, using the Vanguard 2010 fund which is 63% bonds. Even better, if the plan has the Vanguard Target Retirement Income Fund (VTINX) fund, which is 70% bonds (of which some is total international bonds and some is short-term TIPS). No VTINX option, but the 2010 has ~14% sho...
by jbran99
Sat Apr 11, 2015 9:54 am
Forum: Investing - Help with Personal Investments
Topic: 401k converting PIMCO Tot Return to Loomis Sayles - advice?
Replies: 13
Views: 2220

401k converting PIMCO Tot Return to Loomis Sayles - advice?

Hi all, I recently received notice that my 401k plan will be dropping PIMCO's Total Return (PTTRX, .46 ER) and replacing it with Loomis Sayles Core Plus Fixed Income Trust (Class D). Other bond options in my 401k are somewhat limited (details below). As near as I can tell, this is an Institutional f...
by jbran99
Wed Jul 24, 2013 11:13 pm
Forum: Investing - Theory, News & General
Topic: Reformed Broker on market timing
Replies: 4
Views: 925

Re: Reformed Broker on market timing

One doesn't have to be able to call all the tops and bottoms over a ten year period to be profitable. One can be an index fund investor with a buy, hold, rebalance philosophy and make just one market timing call that works spectacularly and be very happy. I agree. The folly is in thinking one can m...
by jbran99
Wed Jul 24, 2013 10:03 am
Forum: Investing - Theory, News & General
Topic: Reformed Broker on market timing
Replies: 4
Views: 925

Reformed Broker on market timing

I know his reputation around here isn't all that great, but The Reformed Broker had a nice post a couple days ago about the absolute dearth of successful market timers: Where have all the cowboys gone? He reviews some research from the 1970s and 1980s that attempted to objectively identify folks who...
by jbran99
Sat Jan 26, 2013 11:02 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio review: A check-up on my progress
Replies: 7
Views: 2319

Re: Portfolio review: A check-up on my progress

I'll be looking into Donor-Advised Funds for my giving, so thanks much for that suggestion!

Do you (or anyone else, for that matter) have any advice on the rest of the questions I listed? (Reallocating the bond funds, multi-tier EF, 529, etc.)? Thanks!
by jbran99
Thu Jan 24, 2013 10:54 am
Forum: Investing - Theory, News & General
Topic: Buffett pulls ahead of Hedge Funds at halfway point of bet
Replies: 17
Views: 3569

Buffett pulls ahead of Hedge Funds at halfway point of bet

Carol Loomis has released the post-2012 update to Warren Buffett's bet with Ted Seides from Protege Partners: m Summary: The S&P500 Fund Buffett selected is Vanguard's Admiral shares (VFIAX). According to Loomis, that fund is up 8.69% compared to the five "fund of funds" hedge funds, w...
by jbran99
Wed Jan 23, 2013 9:28 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio review: A check-up on my progress
Replies: 7
Views: 2319

Re: Portfolio review: A check-up on my progress

nydad wrote:Quick tip: if considering donating appreciated shares, consider giving them to a donor advised fund.
I looked into Vanguard's DAF, but they have a $25k minimum and I'm not quite at that level. Maybe I'll look into Fido/Schwab and see how they might work. Thanks!
by jbran99
Tue Jan 22, 2013 9:37 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio review: A check-up on my progress
Replies: 7
Views: 2319

Re: Portfolio review: A check-up on my progress

self-serving bump (Sat night probably wasn't the best initial post time!)
by jbran99
Sat Jan 19, 2013 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review: A check-up on my progress
Replies: 7
Views: 2319

Re: Portfolio review: A check-up on my progress

I'll be donating the appreciated shares instead of my normal cash-based charitable donations. My charitable contributions for 2013 will be in line with 2012. I actually have slightly more shares than will be donated in 2013, so the process will carry into 2014 as well.
by jbran99
Sat Jan 19, 2013 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review: A check-up on my progress
Replies: 7
Views: 2319

Portfolio review: A check-up on my progress

Hello everyone. Last May I posted a slightly abbreviated portfolio overview with a focus on my wife's new 401k and received some good feedback. That thread can be found here . At that time, I was just starting to implement some of the many things I'd learned from this forum. Since then, I've made go...
by jbran99
Wed Jan 09, 2013 11:43 pm
Forum: Investing - Help with Personal Investments
Topic: Determining Small Cap Tilt
Replies: 10
Views: 1339

Re: Determining Small Cap Tilt

Like you wrote, if you hold 17% Small Cap and 83% S&P 500, you do not have a small cap tilt; you would have a Total Stock Market Approximation. You need to hold more that 17% Small Cap to have a tilt. Here's an example: Assume a $1000 equity portfolio with $170 in Small Cap and $830 S&P 500 ...
by jbran99
Sat Jan 05, 2013 10:46 am
Forum: Investing - Help with Personal Investments
Topic: Yet another portfolio review - married couple filing jointly
Replies: 11
Views: 1765

Re: Yet another portfolio review - married couple filing joi

Thank you very much again. Interesting you make comment about how good is my 401k option. If I am not mistaken, I have optin to move my rollover inside my 401k account. Do you think I should explore that before making any rebalancing? You have been awesome help! Yes, I would. Here's how that might ...
by jbran99
Fri Jan 04, 2013 10:02 pm
Forum: Investing - Help with Personal Investments
Topic: Yet another portfolio review - married couple filing jointly
Replies: 11
Views: 1765

Re: Yet another portfolio review - married couple filing joi

Some 401k plans have very good funds. For example, mine has an S&P500 index with an ER of .03; other folks have access to institutional shares within a 401k that an individual investor doesn't have access to. That's why the recommended format for Asking Portfolio Questions suggests you list the...
by jbran99
Thu Jan 03, 2013 12:04 am
Forum: Investing - Help with Personal Investments
Topic: Yet another portfolio review - married couple filing jointly
Replies: 11
Views: 1765

Re: Yet another portfolio review - married couple filing joi

Choice on 401k is basically wide open. My company allows for brokerage account from 401k. So, I am not restricted to use the funds offered in company's 401k choices. Some 401k plans have very good funds. For example, mine has an S&P500 index with an ER of .03; other folks have access to institu...
by jbran99
Tue Jan 01, 2013 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: Should I rebalance and other questions? Been 1.5 years.
Replies: 10
Views: 1042

Re: Should I reallocate and other questions? Been 1.5 years.

After using Morningstar X-Ray, I noticed only 6% was in small cap and thought adding NAESX would diversify my portfolio further. How much exposure is recommended in small cap? If you own Total Stock Market, you own Small Caps. You also own Mid Caps, Large Caps and everything in between - that's the...
by jbran99
Tue Jan 01, 2013 4:05 pm
Forum: Investing - Help with Personal Investments
Topic: Yet another portfolio review - married couple filing jointly
Replies: 11
Views: 1765

Re: Yet another portfolio review - married couple filing joi

Brokerage Account ( Taxable ) : 17% - invested in USO ETF ( ER 0.45%) - Costco stock ( long term gains ) - amazon stock ( long term gains ) Retirement : Total : 60% Rollover IRA 40% Roth - His 9.5% (100% in BRK.B stock ) Roth - Her 1.5% ( cash ) 401k 9% ( PIMCO Total Return Fund Institutional Class...