Search found 112 matches

by vpotus
Thu Aug 16, 2018 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: Wife got a new job! Please evaluate my portfolio...
Replies: 24
Views: 2098

Re: Wife got a new job! Please evaluate my portfolio...

PS: On the pension funding, I feel your pain . I happen to be in the CT SERS, and it's in rougher shape than the CT TRS. You've probably read this by now, but just in case, here is an eye-opening study performed by the folks at the Boston College Center for Retirement Research on both the SERS and ...
by vpotus
Thu Aug 16, 2018 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: Wife got a new job! Please evaluate my portfolio...
Replies: 24
Views: 2098

Re: Wife got a new job! Please evaluate my portfolio...

Thank you veindoc for your response. I edited my original post to reflect my income. I earn 90k per year. My wife will soon earn 80k. Our yearly expenses are 55k/year. I assume that this doesn't include taxes. I earn 90k and my wife earns 80k before taxes. We spend 55k/year after taxes. Thanks.
by vpotus
Thu Aug 16, 2018 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: Wife got a new job! Please evaluate my portfolio...
Replies: 24
Views: 2098

Re: Wife got a new job! Please evaluate my portfolio...

Thanks again iceport (and others). Let me try to summarize my thoughts based on everyone's helpful insight and suggestions: I will keep the 4% fixed account with no fees at Voya. Although I wonder if I should have a 50/50 split of bond funds between Vanguard and Voya. When markets fall, bonds rise. ...
by vpotus
Wed Aug 15, 2018 8:06 pm
Forum: Investing - Help with Personal Investments
Topic: Wife got a new job! Please evaluate my portfolio...
Replies: 24
Views: 2098

Re: Wife got a new job! Please evaluate my portfolio...

So a final thought. How are you modeling you pension in your AA? The PV of a 70K pension is 1.37M (70K@3%@30y) about twice number you gave us for you nest egg. (and this may be low as you may qualify for a higher pension and you spouse may also get a pension) Treating your pension as a Bond in you ...
by vpotus
Wed Aug 15, 2018 4:12 pm
Forum: Investing - Help with Personal Investments
Topic: Wife got a new job! Please evaluate my portfolio...
Replies: 24
Views: 2098

Re: Wife got a new job! Please evaluate my portfolio...

Thank you JW-Retired and TXJeff! And thank you everyone else. Reading your feedback is very helpful.

Vpotus
by vpotus
Wed Aug 15, 2018 11:02 am
Forum: Investing - Help with Personal Investments
Topic: Wife got a new job! Please evaluate my portfolio...
Replies: 24
Views: 2098

Re: Wife got a new job! Please evaluate my portfolio...

If I were laid off right now I would only receive 38% of my current 90k. If I retire in two years, I'd get 50% of my pension. If I work for my full term or 6 more years, I'd get 70%. I estimate that my pension alone should be $70k per year 6 years from now. If I work 9 more years I would get 75% of...
by vpotus
Wed Aug 15, 2018 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Wife got a new job! Please evaluate my portfolio...
Replies: 24
Views: 2098

Re: Wife got a new job! Please evaluate my portfolio...

Is social security available to you? If so, what are the amounts at various ages? Hi Dottie57. No. In Connecticut, we have a "Windfall Elimination Provision". Our teacher retirement system laws prevent us from getting social security. Once I retire and choose to work/earn 40 quarters I would be eli...
by vpotus
Wed Aug 15, 2018 7:58 am
Forum: Investing - Help with Personal Investments
Topic: Wife got a new job! Please evaluate my portfolio...
Replies: 24
Views: 2098

Re: Wife got a new job! Please evaluate my portfolio...

If you ditch the bonds in your 403b, you'll be closer to your desired AA. Re: REIT and SCV 5% tilts -- sure, why not. Just keep them in a tax advantaged account. Hi TwstdSista, I can certainly exchange some of the bonds in the 403b. I was also thinking of just buying more stocks with my greater cas...
by vpotus
Wed Aug 15, 2018 7:54 am
Forum: Investing - Help with Personal Investments
Topic: Wife got a new job! Please evaluate my portfolio...
Replies: 24
Views: 2098

Re: Wife got a new job! Please evaluate my portfolio...

Adding REIT would be concentrating, not diversifying. It might be noncorrelated concentration but it is concentration, just like Energy or Tech. I think your portfolio is fine as is. Elegant and tax efficient. Interesting point. I was under the impression that adding REIT and Small Cap Value would ...
by vpotus
Wed Aug 15, 2018 7:53 am
Forum: Investing - Help with Personal Investments
Topic: Wife got a new job! Please evaluate my portfolio...
Replies: 24
Views: 2098

Re: Wife got a new job! Please evaluate my portfolio...

Voya appears to be more of an annuity than a bond investment. Can the OP post the withdrawal restrictions on Voya investment? There is some discussion here https://www.bogleheads.org/forum/viewtopic.php?t=189513 Hi Juice 3. You are correct. I started out with Voya long ago; I am not sure of the wit...
by vpotus
Tue Aug 14, 2018 11:28 pm
Forum: Investing - Help with Personal Investments
Topic: Wife got a new job! Please evaluate my portfolio...
Replies: 24
Views: 2098

Re: Wife got a new job! Please evaluate my portfolio...

Thank you veindoc for your response. I edited my original post to reflect my income. I earn 90k per year. My wife will soon earn 80k. Our yearly expenses are 55k/year. I agree that the emergency fund is very low. My house and cars are paid off and I always thought of my taxable account as the efund....
by vpotus
Tue Aug 14, 2018 8:08 pm
Forum: Investing - Help with Personal Investments
Topic: Wife got a new job! Please evaluate my portfolio...
Replies: 24
Views: 2098

Wife got a new job! Please evaluate my portfolio...

First of all, thank you in advance. I've done the research. I've read the wiki. I've read the books. I've asked questions and everyone has been very helpful. My wife is starting a new job in the fall, essentially doubling our income for the first time in 16 years. She stayed at home with the kids. I...
by vpotus
Mon Aug 13, 2018 10:04 pm
Forum: Investing - Help with Personal Investments
Topic: Best placement for Small Cap Value? Taxable, Roth or 403b7?
Replies: 21
Views: 1536

Re: Best placement for Small Cap Value? Taxable, Roth or 403b7?

Vpotus, your title just asks about SCV, not specifically Vanguard's SCV. Perhaps you were only thinking Vanguard's fund but did not think to say that. Some of the answers you got (mine included) may be in response to the title - just SCV - not specifically about Vanguard's SCV fund. It seems to me ...
by vpotus
Mon Aug 13, 2018 8:31 am
Forum: Investing - Help with Personal Investments
Topic: Best placement for Small Cap Value? Taxable, Roth or 403b7?
Replies: 21
Views: 1536

Re: Best placement for Small Cap Value? Taxable, Roth or 403b7?

Thank you all very much for your advice. Based on your comments, I think the wiki should be edited to read that small cap value should first go into tax-advantaged before taxable (Roth, then 403b/401k and lastly taxable.) As it currently reads, stating that taxable is "suitable" could lead one to th...
by vpotus
Sun Aug 12, 2018 10:37 pm
Forum: Investing - Help with Personal Investments
Topic: Best placement for Small Cap Value? Taxable, Roth or 403b7?
Replies: 21
Views: 1536

Best placement for Small Cap Value? Taxable, Roth or 403b7?

Hi all! I recently read at the wiki that "The Vanguard Small Value Index Fund is a suitable candidate for placement in taxable accounts." https://www.bogleheads.org/wiki/Vanguard_Small_Cap_Value_Index_Fund_tax_distributions . That surprised me. In my situation I have a taxable account but I also hav...
by vpotus
Sun Aug 12, 2018 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: REIT placement... Why not a Roth? Why tax-deferred?
Replies: 25
Views: 1697

Re: REIT placement... Why not a Roth? Why tax-deferred?

Thank you all very much for your help. I do tend to overthink things at times and all explanations were very helpful. vp
by vpotus
Sun Aug 12, 2018 9:59 am
Forum: Investing - Help with Personal Investments
Topic: REIT placement... Why not a Roth? Why tax-deferred?
Replies: 25
Views: 1697

Re: REIT placement... Why not a Roth? Why tax-deferred?

Yes, I have read it. Thank you for your help. Vp
by vpotus
Sun Aug 12, 2018 9:13 am
Forum: Investing - Help with Personal Investments
Topic: REIT placement... Why not a Roth? Why tax-deferred?
Replies: 25
Views: 1697

Re: REIT placement... Why not a Roth? Why tax-deferred?

Thank you. Here are my thoughts: If I diversify with a REIT in Roth, this means I pay taxes upfront. Money grows untaxed. I keep all the gains when withdrawing. That sounds great. In contrast, REIT placed in a 403b7 (I teach) = Money grows tax-free but I get taxed on the gains when I withdraw. Is it...
by vpotus
Sun Aug 12, 2018 7:58 am
Forum: Investing - Help with Personal Investments
Topic: REIT placement... Why not a Roth? Why tax-deferred?
Replies: 25
Views: 1697

REIT placement... Why not a Roth? Why tax-deferred?

Hi and thank you. I've been doing a lot a reading at the wiki and as well as within many books. I recently read that one should place a REIT within a Tax-deferred account. https://www.bogleheads.org/wiki/Real_estate_investment_trust Wouldn't one be better suited placing a REIT in a Roth IRA where th...
by vpotus
Fri Dec 25, 2015 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: 4% fixed and/or Total Bond Market split question
Replies: 18
Views: 2345

Re: 4% fixed and/or Total Bond Market split question

It took me about 6 weeks to move the money last time. Is that fast or slow? I don't know if there are any limitations with VOYA. I suspect that it wouldn't be a problem to move money from (Vanguard Total Bond Market 403b) to there. Thank you very much!
by vpotus
Fri Dec 25, 2015 11:03 am
Forum: Investing - Help with Personal Investments
Topic: 4% fixed and/or Total Bond Market split question
Replies: 18
Views: 2345

Re: 4% fixed and/or Total Bond Market split question

I've got 52% in total stock market index (admiral)
7% in Total International Stock Market Index (admiral)
41% in Fixed (19% of that is earning 4% fixed at Voya and 22% is with total Bond market.) -- Both parked within my 403b

Thanks again for sharing your thoughts.

Vpotus
by vpotus
Thu Dec 24, 2015 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: 4% fixed and/or Total Bond Market split question
Replies: 18
Views: 2345

Re: 4% fixed and/or Total Bond Market split question

Thank you all very much. You have helped me.
by vpotus
Thu Dec 24, 2015 10:37 am
Forum: Investing - Help with Personal Investments
Topic: 4% fixed and/or Total Bond Market split question
Replies: 18
Views: 2345

Re: 4% fixed and/or Total Bond Market split question

Thanks for the feedback supernova. I guess my concern is: what happens if the market declines? In theory, total bond would be better at that point. Yes?
by vpotus
Thu Dec 24, 2015 10:24 am
Forum: Investing - Help with Personal Investments
Topic: 4% fixed and/or Total Bond Market split question
Replies: 18
Views: 2345

4% fixed and/or Total Bond Market split question

Hi all, I'm 48. My overall bond percentage is age-4. Through my 403b, I have a 4% fixed account at Voya (formerly Ing and before that Aetna). The account was established in the early 90s and I am permanently grandfathered in with a guaranteed 4% in the fixed account. I also invest in total bond mark...
by vpotus
Wed Nov 11, 2015 9:10 pm
Forum: Investing - Theory, News & General
Topic: My friend is hoarding cash. What do you say?
Replies: 78
Views: 11962

My friend is hoarding cash. What do you say?

Hi all and thanks in advance. A life-long friend relocated to Australia recently visited. We had a blast drinking beer and spending time in Boston. :beer Over one of our many talks, he stated that he is taking money out and stashing cash in his house. He believes that the whole house of cards is goi...
by vpotus
Tue Mar 04, 2014 10:47 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total Bond Market or 4% fixed at ING?
Replies: 14
Views: 3010

Re: Vanguard Total Bond Market or 4% fixed at ING?

Thank you for the input, surfstar.
by vpotus
Tue Mar 04, 2014 7:21 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total Bond Market or 4% fixed at ING?
Replies: 14
Views: 3010

Re: Vanguard Total Bond Market or 4% fixed at ING?

Hi dbr, I'm attracted to 4% fixed (but I'm not particularly enamored with ING). The only reason I am staying with ING is that my 4% is without fees . I have a fairly firm grasp of the purpose of Bonds and how they behave when Stocks fall. I'm leery of bond behavior at the moment with the current low...
by vpotus
Mon Mar 03, 2014 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total Bond Market or 4% fixed at ING?
Replies: 14
Views: 3010

Re: Vanguard Total Bond Market or 4% fixed at ING?

I would like an algorithm as well. For my fixed income: I finally decided to invest ⅔ at ING (my 4% fixed-income) and ⅓ in the Total Bond Market. I'll tweak it overtime. I know we don't play the markets... but the markets have been a little weird. When the interest rates rise the value of bonds will...
by vpotus
Sun Mar 02, 2014 10:32 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total Bond Market or 4% fixed at ING?
Replies: 14
Views: 3010

Re: Vanguard Total Bond Market or 4% fixed at ING?

Thank you for your advice. I started with ING about 24 years ago. At the time they offered 4% fixed in my plan and that rate still applies to me. It didn't seem like such a big deal at the time. But now, it seems pretty good. I guess I'll keep a significant portion of the funds there until the Bond ...
by vpotus
Sun Mar 02, 2014 8:41 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total Bond Market or 4% fixed at ING?
Replies: 14
Views: 3010

Vanguard Total Bond Market or 4% fixed at ING?

Hi all, I've been with ING and Vanguard for a long time. In 2009, my board of ed stopped recognizing Vanguard. After a year of lobbying my Superintendent, Board of Ed and finance department, I finally got my town to recognized Vanguard as a 403b7 provider once again. This is a major win! I'm 47 and ...
by vpotus
Mon Dec 23, 2013 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: Moving wife's 457(b) to Vanguard
Replies: 4
Views: 946

Re: Moving wife's 457(b) to Vanguard

Thank you all for your help.

Sincerely,

VP
by vpotus
Sun Dec 22, 2013 6:20 pm
Forum: Investing - Help with Personal Investments
Topic: Moving wife's 457(b) to Vanguard
Replies: 4
Views: 946

Moving wife's 457(b) to Vanguard

Hi. My wife has a couple of 457(b)s from two different former jobs. She no longer contributes to them because she is employed elsewhere. She has about $600 in one account and about $2000 in another. My questions are: Can these 457(b)s be rolled over into her Roth at Vanguard? (Is rolling over the pr...
by vpotus
Sat Oct 12, 2013 9:50 am
Forum: Investing - Help with Personal Investments
Topic: Shutdown/Default - Sitting on 80k in a Money Market...
Replies: 7
Views: 1073

Re: Shutdown/Default - Sitting on 80k in a Money Market...

Thank you all for your response. I appreciate checking my version of reality with yours.

Sincerely,

Joe B.
by vpotus
Sat Oct 12, 2013 8:06 am
Forum: Investing - Help with Personal Investments
Topic: Shutdown/Default - Sitting on 80k in a Money Market...
Replies: 7
Views: 1073

Shutdown/Default - Sitting on 80k in a Money Market...

Hi there, I recently sold off some stocks a month before the government shutdown. The money has been sitting in a Money Market Account at Vanguard since. The question is... WHEN do I invest the money into an index fund? Before Oct 17 or after Oct 17. I'm afraid that if I invest before and we default...
by vpotus
Sun Jun 30, 2013 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: When to exchange a myriad of funds for total stock index?
Replies: 18
Views: 1660

Re: When to exchange a myriad of funds for total stock index

Thank you everyone. You have all been very helpful.

VP
by vpotus
Sun Jun 30, 2013 10:52 am
Forum: Investing - Help with Personal Investments
Topic: When to exchange a myriad of funds for total stock index?
Replies: 18
Views: 1660

Re: When to exchange a myriad of funds for total stock index

dbr: Sorry for being unclear. According to my most recent statement from my former broker, my taxable dividends to date is exactly $358.92. It goes on to say that my taxable income is $358.92. To further complicate matters, the original pile of money was originally 80k. Now it is at 79k due to marke...
by vpotus
Sun Jun 30, 2013 9:17 am
Forum: Investing - Help with Personal Investments
Topic: When to exchange a myriad of funds for total stock index?
Replies: 18
Views: 1660

Re: When to exchange a myriad of funds for total stock index

Hi all, My taxable income for the year so far in these account is $300. Given this information, what do you propose? Income for the year so far isn't useful information. You could have huge gains but little taxable income. Unrealized gains don't become taxable income until you realize them (i.e. se...
by vpotus
Sat Jun 29, 2013 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: When to exchange a myriad of funds for total stock index?
Replies: 18
Views: 1660

Re: When to exchange a myriad of funds for total stock index

Hi all, I understand the need to hold funds for over a year for tax purposes. But upon further examination, I also have 3 individual stocks (valued at 20k) plus a VERY long-term bond (5k). I'm somewhat nervous when holding individual stocks as opposed to holding an index. I have to hope that these 3...
by vpotus
Thu Jun 27, 2013 7:56 pm
Forum: Investing - Help with Personal Investments
Topic: When to exchange a myriad of funds for total stock index?
Replies: 18
Views: 1660

Re: When to exchange a myriad of funds for total stock index

avalpert: Yes these are indeed in a taxable account. Wouldn't exchanging/sellling/converting these funds into index funds actually help with taxes? FWIW, I've owned these various non-vanguard funds for less than a year.

Thank you for any advice you may have.

VP
by vpotus
Thu Jun 27, 2013 7:32 pm
Forum: Investing - Help with Personal Investments
Topic: When to exchange a myriad of funds for total stock index?
Replies: 18
Views: 1660

When to exchange a myriad of funds for total stock index?

Hi and thanks in advance. I just had approximately 10 funds transferred from a broker to VG. I'm going to exchange these funds for Vanguard Total Intl Stock Market Admiral and Vanguard Total Stock Market Admiral. My questions: The value of this portfolio has dropped due to recent market activity. Do...
by vpotus
Fri Jun 14, 2013 10:20 pm
Forum: Investing - Theory, News & General
Topic: Bank cannot date Medallion Signature Guarantee
Replies: 4
Views: 1484

Re: Bank cannot date Medallion Signature Guarantee

Hi Paul, Thank you. Yes. I've seen that thread. It confused me too. I emailed VG to inform them of the issue in detail and suggested that they research it. If they would remove the date box from the Medallion area the problem would be solved.

VP
by vpotus
Fri Jun 14, 2013 5:21 pm
Forum: Investing - Theory, News & General
Topic: Bank cannot date Medallion Signature Guarantee
Replies: 4
Views: 1484

Re: Bank cannot date Medallion Signature Guarantee

Hi Barnacle. I've seen similar websites as well. It seems odd the VG would include a date box near the Medallion stamp. It seems even stranger that VG seems to have no clue about this situation. Both times I called VG, all departments stated that they had never heard of such a thing. I talked with C...
by vpotus
Fri Jun 14, 2013 3:47 pm
Forum: Investing - Theory, News & General
Topic: Bank cannot date Medallion Signature Guarantee
Replies: 4
Views: 1484

Bank cannot date Medallion Signature Guarantee

Hi all, I'm not complaining about my bank or VG. I'm sharing an interesting situation. Two days ago: I want to move money from a brokerage to VG. I got the forms. Filled them out. Brought them to the bank and the VP there watched me sign and date the last page of the transfer In-Kind forms. I pointe...
by vpotus
Thu Jun 13, 2013 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Date or not date the Medallion signature guarantee
Replies: 7
Views: 1842

Re: Date or not date the Medallion signature guarantee

http://www.bankersonline.com/articles/bhv14n04/bhv14n04a13.html Found this. I'm actually experiencing an issue with my bank. They watched me sign and date the VG form. They stamped it but refused to sign it. They couldn't tell me why. I called VG and they claimed I needed them to date the form. I th...
by vpotus
Mon Jun 03, 2013 2:40 pm
Forum: Investing - Help with Personal Investments
Topic: Equitable AXA 403b Question...
Replies: 3
Views: 797

Re: Equitable AXA 403b Question...

Thank you very much for your help in this matter.

VP
by vpotus
Mon Jun 03, 2013 1:11 pm
Forum: Investing - Help with Personal Investments
Topic: Equitable AXA 403b Question...
Replies: 3
Views: 797

Equitable AXA 403b Question...

Hi, I'm doing a little research for some teachers. Equitable AXA is one of our 403b options. I emailed a representative to ask about the fee structure and he said: "The M&E fee is 1.2% for our Mutual Fund selections, however there is no cost for the Guaranteed Investment Option as well as the Struct...