Search found 64 matches

by nwffdiver
Sat Apr 14, 2018 3:15 pm
Forum: Investing - Help with Personal Investments
Topic: Reinvesting into TISM in taxable
Replies: 3
Views: 197

Re: Reinvesting into TISM in taxable

The taxable amount is quite small, but I figure I should be able to add a few hundred a month, just not totally understanding what the WIKI was saying makes me not want to make a mistake early :happy
by nwffdiver
Sat Apr 14, 2018 3:02 pm
Forum: Investing - Help with Personal Investments
Topic: Reinvesting into TISM in taxable
Replies: 3
Views: 197

Reinvesting into TISM in taxable

I’m sure this has been answered before, but a quick search couldn’t answer my questions. My wife 51 and I 49I are finally at a place where we can start adding to a taxable account. We both max out our 401k / 457b plans, and both Roth IRAs. I recently opened a taxable at Vanguard in TISM. I am unclea...
by nwffdiver
Wed Apr 11, 2018 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund Investing
Replies: 24
Views: 1800

Re: Emergency Fund Investing

lostdog wrote:
Wed Apr 11, 2018 8:20 am
Vanguard Prime Money Market or Vanguard Federal Money Market.


I have some money in this, as my settlement account, but you’ll get better return with an Ally online savings or MM account. That’s my 2nd tier.
by nwffdiver
Tue Apr 10, 2018 8:41 pm
Forum: Investing - Help with Personal Investments
Topic: Alternative website for those in lower tax brackets?
Replies: 59
Views: 5205

Re: Alternative website for those in lower tax brackets?

While I appreciate the wisdom and practicality of the Bogleheads forum, I often find the advice here (and other investment sites) slanted toward those with hefty investment accounts. This is true of many investment sites. For instance, when comparing the after-tax return of mutual funds, often the ...
by nwffdiver
Tue Apr 10, 2018 8:32 pm
Forum: Investing - Help with Personal Investments
Topic: 401ks maxed, Roths fully funded. Whats next?
Replies: 11
Views: 757

Re: 401ks maxed, Roths fully funded. Whats next?

Just arrived here too! Have worked up,to being able to max out all tax deferred/tax free accounts. 18.5 k me 457b 24.5k wife 401k . 12k combined Roth’s. Have had all of my EF in MM account and CDs. Just had a CD end and moved into a VG taxable account. Thinking of opening 5 k in VG total stk or Tota...
by nwffdiver
Fri Apr 06, 2018 4:19 pm
Forum: Investing - Help with Personal Investments
Topic: 457b finally has Vanguard funds! Help with AA please.
Replies: 37
Views: 1856

Re: 457b finally has Vanguard funds! Help with AA please.

You can do that if your provider is willing to accept rollovers into your 457b and handle the separate accounting which means the funds will have to be kept separate. This is because the 401k funds will have to retain their early withdrawal penalty which could come into play since you mention you ar...
by nwffdiver
Sun Mar 25, 2018 4:55 pm
Forum: Investing - Help with Personal Investments
Topic: How to use a 4.1% guaranteed fund?
Replies: 22
Views: 2526

Re: How to use a 4.1% guaranteed fund?

I use the “fixed account”in my 457 plan the same way (guaranteed 3%) , but also keep an Intermediate bond fund for rebalancing. The fixed account has big restrictions on money in/out.
by nwffdiver
Wed Mar 21, 2018 9:53 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Stable Value Fund Decision
Replies: 3
Views: 380

Re: 401K Stable Value Fund Decision

My 457 has a similar plan, they call it a fixed fund, instead of a stable value fund, but ifs very similar. Our plan has a garaunteed 3%.I use this as half of my Fixed income. I also keep an intermediate bond index fund for rebalancing.
by nwffdiver
Mon Jan 09, 2017 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: 500K milestone celebration
Replies: 74
Views: 8560

Re: 500K milestone celebration

You mean CNBC?
Yes, that's what I meant.
by nwffdiver
Sun Jan 08, 2017 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: 500K milestone celebration
Replies: 74
Views: 8560

Re: 500K milestone celebration

We too passed the same milestone this past year. I attribute this to the great education I've received on this forum. Well that and maxing out all my deferred options, and living under my means. Write down a plan, and stick to it, no matter what MSNBC says :happy

Congrats!!!!
by nwffdiver
Fri Jan 06, 2017 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer T-IRA from Betterment to Vanguard
Replies: 2
Views: 620

Re: Transfer T-IRA from Betterment to Vanguard

I had a small taxable account with them. When I wanted to close it, I had to call them. You're right there is nothing on the site about closing an account. I know because they put you in several etf's at once, you will want to close it before transferring. I closed mine and put it all into VSTAX. Go...
by nwffdiver
Sun Jan 01, 2017 3:11 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Portland, Oregon
Replies: 134
Views: 38561

Re: Master Thread for Portland, Oregon

HI, don't know how I never noticed this Portland group after about 5 years on this site. I would like to be added, or attend some local meetings. I live in Oregon City.
by nwffdiver
Mon Oct 26, 2015 10:56 pm
Forum: Investing - Help with Personal Investments
Topic: Stable Value Funds
Replies: 9
Views: 1254

Re: Stable Value Funds

My 457 plan offers a Fixed income/Stable value fund that is a guaranteed 3% for the next 10 years at least. So this is a major part of our Fixed Income/Bond allocation.

Different plans offer VERY different options. Make sure you read the prospectuses!
by nwffdiver
Mon Oct 26, 2015 10:42 pm
Forum: Investing - Theory, News & General
Topic: Roth IRA contribution
Replies: 4
Views: 701

Re: Roth IRA contribution

Thanks DSInvestor and furwut for your responses. I thought that was the rule, but didn't want to make a mistake. We are also planning on upping her 401k contributions from now on... WooHoo an extra $6500 in our tax deferred.
by nwffdiver
Mon Oct 26, 2015 10:09 pm
Forum: Investing - Theory, News & General
Topic: Roth IRA contribution
Replies: 4
Views: 701

Roth IRA contribution

My wife turns fifty next year on December 8th. Can I fund her Roth IRA with $6500 at the beginning of the year?
by nwffdiver
Sun Nov 16, 2014 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: Why own International at all?
Replies: 45
Views: 6303

Re: Why own International at all?

This post made me stop and look at where my portfolio is today. INT is currently 27% ...my IPS says 30. I realize INT is down a bit for the year. So I will rebalance in January. I believe in a World Market. But we are all individuals, if you believe in your IPS you will Stay the Course! :greedy
by nwffdiver
Thu Oct 23, 2014 1:46 pm
Forum: Investing - Help with Personal Investments
Topic: 401a 's: TIAA-CREF vs Vanguard vs Fidelity
Replies: 10
Views: 6435

Re: 401a 's: TIAA-CREF vs Vanguard vs Fidelity

We have a similar 401a at the Fire district I work for. I make my contributions to a 457b plan (instead of a 401k) schools and hospitals usually use 403b for employee contributions. Public. Employers have different rules on retirement matching. The 401a is employer contributions only. I don't know t...
by nwffdiver
Thu Oct 23, 2014 1:31 pm
Forum: Investing - Theory, News & General
Topic: IRS Announces new 401(k) contribution max for 2015 ($18,000)
Replies: 50
Views: 9851

Re: IRS Announces new 401(k) contribution max for 2015 ($18,

That's good news, but I really wish they would raise the IRA limit, so I could put more into our Roths.
by nwffdiver
Wed Oct 22, 2014 8:35 pm
Forum: Investing - Theory, News & General
Topic: The 1 Thing Successful Investors Never Do
Replies: 12
Views: 5505

Re: The 1 Thing Successful Investors Never Do

Good read.. I wanted to post all of the things I have done wrong, so maybe some young people won't lose out on all the years I did.
by nwffdiver
Wed Oct 22, 2014 8:23 pm
Forum: Investing - Theory, News & General
Topic: A MM account or not?
Replies: 9
Views: 1625

Re: A MM account or not?

Thanks everybody.. That's what I thought. I just wanted to hear it from the masses. More $ in the Ally account means more interest. Easy.
by nwffdiver
Wed Oct 22, 2014 6:37 pm
Forum: Investing - Theory, News & General
Topic: A MM account or not?
Replies: 9
Views: 1625

A MM account or not?

I recently closed a small taxable account I had($5000). I was thinking of opening a VG PrimeMM account as a place to put it until I can add it (most of it) into my 2015 Roth. I plan to leave about $500 in there, then after I fill up mine and the wife's Roths, keep adding a couple hundred a month the...
by nwffdiver
Wed Oct 22, 2014 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: 2 Fund + International?
Replies: 13
Views: 1103

Re: 2 Fund + International?

Sounds like maybe you should look into a SEP IRA for each of you. I am not a business owner, so can't give all details, but you should each be putting at least the $17,500 into tax advantaged accounts before taxable. Sounds like you are already doing the IRA. Always maximize your tax advantaged spac...
by nwffdiver
Sat Oct 11, 2014 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: Sixth anniversary of worst week ever for stocks
Replies: 51
Views: 6964

Re: Sixth anniversary of worst week ever for stocks

Wish I had a neat story, I was dumb during 2000-2002 and got out. Luckily for me I didn't want to miss out on our departments match so I stayed in. My dad unfortunately got sick and had to retire with his 401k down around 45%.
by nwffdiver
Sun Dec 01, 2013 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: Success Stories of Bogleheads
Replies: 62
Views: 8263

Re: Success Stories of Bogleheads

Hardly a success, but I'm working on it. About a year and a half ago I received a windfall (not a huge amount, but enough that I knew I didn't want to mess it up). Thankfully I found this site. I learned about 529's for my son, all about Roth IRAs and most importantly costs. Having never really thou...
by nwffdiver
Wed Nov 27, 2013 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: Confused about contribution limits - 401(a), 403(b)
Replies: 6
Views: 1117

Re: Confused about contribution limits - 401(a), 403(b)

I am not sure about the Social Security aspect of your situation , but I'll take a partial stab at your 401(a) question. I. Too work for a governmental entity (FD) we have a 457(b) plan as opposed to a 403(b) this is where I make my deferred Comp ($17,500) per year. My employer matches up to 5% of m...
by nwffdiver
Sat Nov 16, 2013 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: 401k funds expense ratio? [Portfolio help]
Replies: 4
Views: 821

Re: 401k funds expense ratio? [Portfolio help]

I'll bump you up by saying if you add the expense ratios to the funds you will get more information.
by nwffdiver
Thu Nov 14, 2013 11:52 pm
Forum: Investing - Help with Personal Investments
Topic: 23 year old new investor looking for valuable wisdom
Replies: 14
Views: 1975

Re: 23 year old new investor looking for valuable wisdom

Your young, the TSP. Is the cheapest (401k like) plan there is. Use it, you make a low amount so use the Roth option (as you will most likely make more $ later in life). I would contribute as much as possible to that. Saving ER costs are the best way to improve ending balances. Wish I had done it wh...
by nwffdiver
Wed Nov 06, 2013 2:38 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Allocation Advice - 31 in OR
Replies: 19
Views: 2839

Re: Portfolio Allocation Advice - 31 in OR

Wow I wish my 457 was this good. :(
by nwffdiver
Wed Nov 06, 2013 2:27 pm
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund
Replies: 13
Views: 2141

Re: Emergency Fund

Also consider laddering CDs in your emergency fund. Since an emergency fund is meant to cover a certain number of months expenses, you can gradually shift an emergency fund into a CD ladder that would ensure that one month of expenses is always coming "due" in the CD. So if you have a 6 month emerg...
by nwffdiver
Sun Nov 03, 2013 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: 32 y.o. Investor Looking to Add Fund to Taxable Acct
Replies: 9
Views: 1228

Re: 32 y.o. Investor Looking to Add Fund to Taxable Acct

Curious why you duplicated VTIAX and VTSAX in both Roths? Why not put all VTIAX in hers16%, and VTSAX in his 13%. Save a little on er's .
by nwffdiver
Sun Nov 03, 2013 5:34 pm
Forum: Investing - Help with Personal Investments
Topic: Chase Bank Investments at 4%
Replies: 24
Views: 4380

Re: Chase Bank Investments at 4%

Just thought I'd share the following with the community here. Six months ago I had zero knowledge about investing, but I had an inheritance and I knew I had to take the plunge. Up until this point in life, I had no savings. Being an academic, I had extensive student loans to pay off first, and my p...
by nwffdiver
Fri Nov 01, 2013 12:41 pm
Forum: Investing - Theory, News & General
Topic: Nov 2013 I Bond Rate - 1.38% (0.20% Fixed)
Replies: 94
Views: 10283

Re: Nov 2013 I Bond Rate - 1.38% (0.20% Fixed)

Wow, what a surprise! I would have lost money betting on that. I guess they need the money. Funny , I asked earlier in the month if anybody knew what the new rates would be as usually you know by Oct15. Nobody expected it to be better so I bought $2k. Thankfully I still have 3 left to buy this year...
by nwffdiver
Thu Oct 24, 2013 9:23 pm
Forum: Investing - Theory, News & General
Topic: New ibond rates for nov 2013
Replies: 45
Views: 9049

Re: New ibond rates for nov 2013

Any updates? On the rates? I already bought 2k this month, if the rate goes down/up ...ok have 2k more for this year. :happy
by nwffdiver
Sat Oct 19, 2013 3:33 pm
Forum: Investing - Theory, News & General
Topic: New ibond rates for nov 2013
Replies: 45
Views: 9049

New ibond rates for nov 2013

Has anyone seen the new rates for ibonds? I know they usually come out by the 15th of the month prior (maybe the government shutdown). I looked around the TD website and couldn't find anything new.
by nwffdiver
Sat Oct 19, 2013 3:26 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on Portfolio - Asset Allocations
Replies: 11
Views: 1693

Re: Advice on Portfolio - Asset Allocations

Also you could easily save 65 basis points by using the Northern Trust Collective Russell 2000 Index Fund - DC Non-Lending, ER: 0.05% instead of the T.Rowe Price Institutional Small-Cap Stock Fund (TRSSX), 0.7%. You have some really good choices in your 401k I would definitely max all available space.
by nwffdiver
Sat Sep 28, 2013 8:38 pm
Forum: Investing - Help with Personal Investments
Topic: When To Buy I Bonds and EE Bonds - Now or Wait?
Replies: 11
Views: 3006

Re: When To Buy I Bonds and EE Bonds - Now or Wait?

I am currently waiting to see the I bond rate (they usually release the rate by mid October). Then you can either buy in Oct. (before the 31st) or if the rate is better buy on Nov1. BTW even if you buy on Oct 31 it dates as October 1.2013.. Just food for thought
by nwffdiver
Wed Sep 11, 2013 9:36 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Allocation Advice - 31 in OR
Replies: 19
Views: 2839

Re: Portfolio Allocation Advice - 31 in OR

I break down the IAP into component fractions in my assets spreadsheet....because although I have no control over its composition I do bear the associated market risks, and this is relevant to balancing the discretionary assets. From docs available at the PERS site and Oregon treasury dept, I model ...
by nwffdiver
Thu Mar 14, 2013 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: 457 advice for not a knowledgable investor
Replies: 17
Views: 1444

Re: 457 advice for not a knowledgable investor

If she has a 457 and a 401a it is because as stated " No employer match can go into a 457b plan". I am also a public employee, and my employers match is put into a 401a account. So yes you can have both. I also have a PEHP account (post employment healthcare plan) for paying healthcare premiums afte...
by nwffdiver
Sun Feb 10, 2013 7:18 pm
Forum: Investing - Help with Personal Investments
Topic: Poor couple looking for retirement IRA advice
Replies: 42
Views: 7953

Re: Poor couple looking for retirement IRA advice

Congrats to you and you husband for turning your lives around. Investing your tax refund is a great idea ( It's money you weren't counting on so, it's not missed). A Roth IRA is simple to open, it can be done online in about 10 minutes. The instructions are simple just fill in the information and li...
by nwffdiver
Wed Feb 06, 2013 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: Just Maxed Roth, What Now?
Replies: 6
Views: 1085

Re: Just Maxed Roth, What Now?

Okta, If you do buy in with $6000 in VTSMX when you carry a balance of over $10k Vanguard will change you to Admiral shares and the lower ER. One thing to think about is how much US equities is in your ISP. The 2050 fund will have a significant amount in it. That could make your overall amount highe...
by nwffdiver
Sun Jan 27, 2013 6:13 pm
Forum: Investing - Help with Personal Investments
Topic: administrative fees
Replies: 9
Views: 960

Re: administrative fees

munnix wrote: Wish I knew about Jack Bogle and his investing philosophy earlier in my career. Would have made fewer bad decisions.
I think a lot of us here would agree with that statement! :greedy
by nwffdiver
Thu Jan 10, 2013 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Match & Emergency Fund, What Next?
Replies: 13
Views: 1498

Re: 401k Match & Emergency Fund, What Next?

I agree with JSL, since your job may not be as secure as your wife. 1/2 to the student loans, 1/2 to your EF. Congrats on getting a young start with the Roths.
by nwffdiver
Thu Jan 10, 2013 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: Setting Up Roth IRA with Vanguard - Please Help
Replies: 9
Views: 5334

Re: Setting Up Roth IRA with Vanguard - Please Help

The target retirement fund is a great place to start. You're young, great to see you thinking about the future. I wish I would have at 26. Put the 5k for 2012 in a TR or LS fund. Then put in 5.5k next year then you'll have enough to exchange into a Total Stock, Total International stock, and a Total...
by nwffdiver
Tue Jan 08, 2013 5:11 pm
Forum: Investing - Help with Personal Investments
Topic: Exchanging taxable VGTSX into Roth?
Replies: 8
Views: 836

Re: Exchanging taxable VGTSX into Roth?

I just did this very thing a few days ago. Last year I had some extra cash, and my International fund offered in my 457 plan is the most espensive fund I use there.I had already maxed both mine and my wifes Roth's. I though since I already have some Total International SM (VGTSX) in my Roth I would ...
by nwffdiver
Mon Dec 31, 2012 10:28 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice for 30yr old married couple
Replies: 5
Views: 1295

Re: Portfolio advice for 30yr old married couple

I agree with beta, you could switch his traditional IRA to Total International Stock Market VTIAX and since its already at 16.8% additional small contributions would cover your INT easy enough. You really should have some International stocks.. Opinions vary on how much I personally like 25%, many p...
by nwffdiver
Mon Dec 31, 2012 8:26 pm
Forum: Investing - Help with Personal Investments
Topic: Question for Ally Bank IRA CD buyers re: fund transfers
Replies: 8
Views: 1121

Re: Question for Ally Bank IRA CD buyers re: fund transfers

If you do call, let us all know what they said. I too have Ally CD's , but no IRA CD's. I'd be interested to know :happy
by nwffdiver
Fri Dec 28, 2012 9:05 pm
Forum: Investing - Help with Personal Investments
Topic: how does IWV compare to VG TSM?
Replies: 5
Views: 652

Re: how does IWV compare to VG TSM?

Thanks Nispirius, That's way more info than I was able to find. I am pretty sure I'm going to switch as even though it uses the IWV ETF (ER .035) as opposed to a mutual fund for the Total stock index it is even more cheaper than my current combo of an S&P 500 index and a Small Cap Index at .44 and ....
by nwffdiver
Fri Dec 28, 2012 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: how does IWV compare to VG TSM?
Replies: 5
Views: 652

Re: how does IWV compare to VG TSM?

Thanks Livesoft, I looked at M* , bit unfortunately most of the articles require a premium membership, and I don't have one. I did find a few other pages about them, and they say they are similar although VTI or VG TSM is more complete. Anyone else have any other insight or suggestions?
by nwffdiver
Fri Dec 28, 2012 1:05 pm
Forum: Investing - Help with Personal Investments
Topic: Money Market vs. online bank: what am I missing?
Replies: 6
Views: 929

Re: Money Market vs. online bank: what am I missing?

My Ally account pays more than my Bank of America 18 month CD. I can't pull it out early or they'll charge me like $30. Just another of the investing mistakes I made before Educating myself!

And MM accounts are even worse now :oops:
by nwffdiver
Fri Dec 28, 2012 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: how does IWV compare to VG TSM?
Replies: 5
Views: 652

how does IWV compare to VG TSM?

At work we are eligible for 4 different 457 plans. I have always had ING, I started looking at the ER's in the Oregon Growth Savings plan and their Index stock Option is iShares Russell 3000 index, with an ER of .035. Their Int Bond is .10 (combination of 3 bond funds 1 index, 2 managed), but the In...