Search found 14 matches

by Fotivator
Thu Mar 21, 2013 2:18 pm
Forum: Investing - Help with Personal Investments
Topic: 529 Plan for Grad School.
Replies: 3
Views: 471

529 Plan for Grad School.

I'm planning on getting a JD/MBA in two years. I'm debating on opening a 529 and shifting a third of my taxable portfolio into it. My plan would be to make the 529 consist primarily of bonds in order to shield those dividends from federal income tax. I'm currently married in the 25% federal income t...
by Fotivator
Wed Feb 20, 2013 11:56 pm
Forum: Personal Finance (Not Investing)
Topic: Where were you financially in your late twenties?
Replies: 191
Views: 16438

Re: Where were you financially in your late twenties?

Everyone's different. I went from -50k to +40k from the age of 22 to 27. Just do what's right for you and screw everyone else.
by Fotivator
Tue Feb 05, 2013 10:57 pm
Forum: Investing - Theory, News & General
Topic: Military Investing
Replies: 125
Views: 50825

Re: Military Investing

http://www.militaryonesource.mil H&R Block at Home FREE for ALL Military personnel.
by Fotivator
Mon Feb 04, 2013 10:42 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review Request [Military]
Replies: 12
Views: 1461

Re: Portfolio Review Request [Military]

How'd you get the 2.75 interest rate on the student loans? My wife pays around 6% and I've been looking for ways to bring that down.
by Fotivator
Mon Feb 04, 2013 10:37 pm
Forum: Investing - Help with Personal Investments
Topic: 30 years old - Should I invest my Roth401k Option?
Replies: 17
Views: 1563

Re: 30 years old - Should I invest my Roth401k Option?

What's your Roth IRA portfolio look like? Even with maxing your contributions starting at the age of 18, 130k is an impressive figure given the market's history over the past 12 years.
by Fotivator
Mon Feb 04, 2013 7:45 pm
Forum: Personal Consumer Issues
Topic: The perfect Boglehead car
Replies: 92
Views: 14339

Re: The perfect Boglehead car

Once had a college professor that said "the best kind of car is the paid off kind." All the rest is subjective.
by Fotivator
Sun Feb 03, 2013 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: Help with asset management [Military]
Replies: 8
Views: 765

Re: Help with asset management [Military]

I'd cut a check and max it out SDP soon as you can. (I'm a big fan if you can't tell.) SDP accounts stop earning interest three months after you leave the combat pay area.
by Fotivator
Sun Feb 03, 2013 6:14 pm
Forum: Investing - Help with Personal Investments
Topic: Help with asset management [Military]
Replies: 8
Views: 765

Re: Help with asset management [Military]

SDP ALL THE WAY!! Max it out ASAP. Then, withdraw the interest above 10,000 as it does not compound above that and place it in another interest bearing account/ investment. I deployed in 2011. When came back, I moved all my investments from USAA to Vanguard for the ER reason. Didn't regret it at all...
by Fotivator
Sun Feb 03, 2013 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: Suggested Assest Allocation for Funds (2.5 year horizon)
Replies: 10
Views: 1024

Re: Suggested Assest Allocation for Funds (2.5 year horizon)

I have emergency funds in addition to the portfolio that I described above. It modest in the sense that I don't have an exorbitant amount of money in it. And yes it's probably too agressive for my goal, which is why I'm asking for advice to begin with. I think I'm going to steer further contribution...
by Fotivator
Sun Feb 03, 2013 12:20 am
Forum: Investing - Help with Personal Investments
Topic: Taking Gains?
Replies: 19
Views: 1702

Re: Taking Gains?

Don't do it! Unless you need the money or are rebalancing.
by Fotivator
Sun Feb 03, 2013 12:06 am
Forum: Investing - Help with Personal Investments
Topic: Suggested Assest Allocation for Funds (2.5 year horizon)
Replies: 10
Views: 1024

Re: Suggested Assest Allocation for Funds (2.5 year horizon)

@ourbrooks losing 60% of my portfolio would be bad, but having 0% of reaching my goal would be worse. If that were to happen, I'd try to ride out the bear market by drawing from my savings account or take a loss on the portfolio and accept the tax deduction.
by Fotivator
Sat Feb 02, 2013 6:55 pm
Forum: Investing - Help with Personal Investments
Topic: Suggested Assest Allocation for Funds (2.5 year horizon)
Replies: 10
Views: 1024

Re: Suggested Assest Allocation for Funds (2.5 year horizon)

Incidentally this mix is a copy of my Roth IRA. I'm 27. What do you guys think?
by Fotivator
Sat Feb 02, 2013 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: Suggested Assest Allocation for Funds (2.5 year horizon)
Replies: 10
Views: 1024

Re: Suggested Assest Allocation for Funds (2.5 year horizon)

I'm not relying on it for tuition. It's more like savings to supplement my income while my salary takes a hit.
by Fotivator
Sat Feb 02, 2013 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: Suggested Assest Allocation for Funds (2.5 year horizon)
Replies: 10
Views: 1024

Suggested Assest Allocation for Funds (2.5 year horizon)

I have a modest portfolio that I plan on using to supplement my income during Grad school in 2.5 years. It's currently split up in the following allocation: VOO: 40% VXF: 15% VEU: 20% VWO: 5% VNQ: 7% VNQI: 3% BND: 10% I can meet my target amount with my current monthly contributions and an 8.9% inte...