Search found 16 matches

by tranmr
Mon Oct 26, 2015 10:21 pm
Forum: Investing - Help with Personal Investments
Topic: About to retire - could use some advice
Replies: 16
Views: 2575

Re: About to retire - could use some advice

Thank you for this information. It helps! MT There are a number of ways you can avoid the penalty for withdrawing from your 401k before age 59.5: https://www.irs.gov/Retirement-Plans/Plan-Participant,-Employee/Retirement-Topics---Tax-on-Early-Distributions Note especially “Separation from Service” a...
by tranmr
Mon Oct 26, 2015 10:20 pm
Forum: Investing - Help with Personal Investments
Topic: About to retire - could use some advice
Replies: 16
Views: 2575

Re: About to retire - could use some advice

I appreciate your reply! MT do not currently have any ROTH investments. Should I? Converting some money to a Roth can help you manage your taxes later on if your income is in the range where each extra dollar of income causes $.50 to %.85 more of your Social Security be taxed so you need to understa...
by tranmr
Mon Oct 26, 2015 10:19 pm
Forum: Investing - Help with Personal Investments
Topic: About to retire - could use some advice
Replies: 16
Views: 2575

Re: About to retire - could use some advice

Thanks for your input, much appreciated. MT The 401 k funds are reasonable, plus you have access to a stable value fund. My svf in my 401k is awful, but some have a great interest rate so it might be a good idea to keep the 401k, depending on the stable fund. What is your projected withdrawal rate i...
by tranmr
Mon Oct 26, 2015 10:19 pm
Forum: Investing - Help with Personal Investments
Topic: About to retire - could use some advice
Replies: 16
Views: 2575

Re: About to retire - could use some advice

This helps, thank you! The 401 k funds are reasonable, plus you have access to a stable value fund. My svf in my 401k is awful, but some have a great interest rate so it might be a good idea to keep the 401k, depending on the stable fund. What is your projected withdrawal rate in retirement? Some ro...
by tranmr
Mon Oct 26, 2015 10:18 pm
Forum: Investing - Help with Personal Investments
Topic: About to retire - could use some advice
Replies: 16
Views: 2575

Re: About to retire - could use some advice

Thank you for the note Here is my situation: Desired Asset allocation: 60% stocks / 15-25% bonds Desired International allocation: 5-15% of stocks For the sake of clarification, do you really mean 65-75% stocks? No I really mean that mean that I feel comfortable with around a max of 60 percent stock...
by tranmr
Mon Oct 26, 2015 10:15 pm
Forum: Investing - Help with Personal Investments
Topic: About to retire - could use some advice
Replies: 16
Views: 2575

Re: About to retire - could use some advice

Thank you for the reply! MT There are a number of ways you can avoid the penalty for withdrawing from your 401k before age 59.5: https://www.irs.gov/Retirement-Plans/Plan-Participant,-Employee/Retirement-Topics---Tax-on-Early-Distributions Note especially “Separation from Service” and also “Equal Pa...
by tranmr
Fri Oct 23, 2015 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: About to retire - could use some advice
Replies: 16
Views: 2575

Re: About to retire - could use some advice

The 401 k funds are reasonable, plus you have access to a stable value fund. My svf in my 401k is awful, but some have a great interest rate so it might be a good idea to keep the 401k, depending on the stable fund. What is your projected withdrawal rate in retirement? Some roth conversions migh be...
by tranmr
Fri Oct 23, 2015 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: About to retire - could use some advice
Replies: 16
Views: 2575

Re: About to retire - could use some advice

Here is my situation: Desired Asset allocation: 60% stocks / 15-25% bonds Desired International allocation: 5-15% of stocks For the sake of clarification, do you really mean 65-75% stocks? No I really mean that mean that I feel comfortable with around a max of 60 percent stocks in my portfolio. Tha...
by tranmr
Fri Oct 23, 2015 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: About to retire - could use some advice
Replies: 16
Views: 2575

About to retire - could use some advice

Here is my situation: Emergency funds: Three to six months of: YES Debt: Indicate if you have any debt: NONE Tax Filing Status: (Married Filing Jointly) Tax Rate: 15% Federal, 0% State (after retirement on 12/31/2015) State of Residence: Washington Age: 55 Desired Asset allocation: 60% stocks / 15-...
by tranmr
Tue Mar 26, 2013 3:47 pm
Forum: Investing - Help with Personal Investments
Topic: Simple Question; selling one fund and buying another - taxes
Replies: 8
Views: 743

Re: Simple Question; selling one fund and buying another - t

OK, so here is the fund I was considering dropping:

American Century Investments Equity Growth Fund Investor Class(MUTF:BEQGX)
by tranmr
Tue Mar 26, 2013 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: Simple Question; selling one fund and buying another - taxes
Replies: 8
Views: 743

Re: Simple Question; selling one fund and buying another - t

Thanks for your replies - I think I have it. Still working so I am in an upper bracket. I think I will just stick with the investment until retirement and the 15% bracket. That is about 5 - 8 years away.
by tranmr
Tue Mar 26, 2013 2:03 pm
Forum: Investing - Help with Personal Investments
Topic: Simple Question; selling one fund and buying another - taxes
Replies: 8
Views: 743

Simple Question; selling one fund and buying another - taxes

Just a simple question: I have some funds invested in a managed fund within non-ira taxable account. I would like to sell these and reinvest into some lower cost Vanguard index funds. Yes, this investment has had growth over the last ten years. When I sell will I have to pay capital gains taxes, eve...
by tranmr
Fri Feb 15, 2013 12:28 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1495161

Re: What Book Are You Currently Reading? Part V

Re-reading a favorite of mine, Revenge of the Lawn: Stories 1962-1970, a collection of sixty-two short stories written by Richard Brautigan.
by tranmr
Wed Feb 13, 2013 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: Help with choosing 410K Bond Funds
Replies: 8
Views: 888

Re: Help with choosing 410K Bond Funds

Thank you everyone for your posts and advice. I am going ahead with the bond market index fund (30%) , the Stable fund (20%) and SP500 (50%) to balance all this out.

Your comments were helpful . . . thanks again!

MT
by tranmr
Tue Feb 12, 2013 5:39 pm
Forum: Investing - Help with Personal Investments
Topic: Help with choosing 410K Bond Funds
Replies: 8
Views: 888

Re: Help with choosing 410K Bond Funds

Thanks for all your responses and follow up questions. Some of you asked about a stable value fund and what the expense ratios are for the first four funds I posted. Here is some info related to your questions. Thanks again everyone! Stable Value Fund Benchmark BofAML US Treasury Bill 3 Month Index ...
by tranmr
Tue Feb 12, 2013 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: Help with choosing 410K Bond Funds
Replies: 8
Views: 888

Help with choosing 410K Bond Funds

This site has been very helpful for me to realize it is prudent for me to rebalance my 401k due to my very high percentage of equity / stock percentages. I am just about ready to take the plunge and change from about a 95 - 5 stock to bond ratio, to about 50-50 or 60 - 40, (based on my age, 52). My ...