Search found 765 matches

by Stan Dup
Wed Oct 16, 2019 12:22 pm
Forum: Personal Investments
Topic: HSA and/or 401K
Replies: 19
Views: 899

Re: HSA and/or 401K

An HSA is probably the single best tax-advantaged account out there due to its triple-tax advantage (i.e. no federal income taxes ever when used to pay for qualified medical expenses). As such, I would suggest that if you absolutely have to reduce your total contributions to tax-advantaged accounts...
by Stan Dup
Wed Oct 16, 2019 12:21 pm
Forum: Personal Investments
Topic: HSA and/or 401K
Replies: 19
Views: 899

Re: HSA and/or 401K

Don't forget these are likely to increase as well with a new/larger house. 1) Property Taxes 2) Insurance 3) Utilities 4) Furnishings 5) Upkeep you have already indicated that commuting will triple, so those costs and time considerations will also increase. I have considered these. If you truly mus...
by Stan Dup
Wed Oct 16, 2019 12:13 pm
Forum: Personal Investments
Topic: HSA and/or 401K
Replies: 19
Views: 899

Re: HSA and/or 401K

Then, sell your current house. But, don't jump into a bigger house with bigger possible disaster. The plan is to put enough down on the new mortgage to have the same monthly payment that I currently have. BTW: not a bigger house, just a more desirable location. Bigger mortgage though, but with bett...
by Stan Dup
Wed Oct 16, 2019 12:03 pm
Forum: Personal Investments
Topic: HSA and/or 401K
Replies: 19
Views: 899

Re: HSA and/or 401K

If I continue to stay where I am, my house will continue to decline in value (it took me almost ten years to get above water from the mortgage crisis. I don't want to experience that again). That will not be financially secure at all. Then I will have to sell my house at a real loss. Would it be bet...
by Stan Dup
Wed Oct 16, 2019 11:50 am
Forum: Personal Investments
Topic: HSA and/or 401K
Replies: 19
Views: 899

Re: HSA and/or 401K

If you have to pay a 50% downpayment in order to afford the mortgage, you cannot afford the house. <<I have never been as financially secure, considering my emergency fund and savings accounts.>> How does buying an expensive house improves your financial security? It does not. KlangFool I am aware ...
by Stan Dup
Wed Oct 16, 2019 11:20 am
Forum: Personal Investments
Topic: HSA and/or 401K
Replies: 19
Views: 899

Re: HSA and/or 401K

Let me provide some more information that may change your responses. I just turned 54. I will probably retire at 67. I have never been as financially secure, considering my emergency fund and savings accounts. We currently live in my house which is too small for our needs. I would like to maintain t...
by Stan Dup
Wed Oct 16, 2019 9:57 am
Forum: Personal Investments
Topic: HSA and/or 401K
Replies: 19
Views: 899

HSA and/or 401K

I have had an HSA at work only for the last two years. I have fully contributed to my 401k this year. I also just got married last year. My wife and I are saving to put down at least 50% on our next house, which we would like to buy in the next year or two. I was thinking of reducing my HSA contribu...
by Stan Dup
Fri Mar 08, 2019 9:15 am
Forum: Personal Investments
Topic: Oppenheimer???? Stay out of this or help???
Replies: 29
Views: 2767

Re: Oppenheimer???? Stay out of this or help???

With $2 million, why don't you just tell her to get a bunch of laddered CDs?

She has won the game; security is everything. No fees to worry about.

I agree with the previous post about showing the fees to her.
by Stan Dup
Thu Mar 07, 2019 9:46 am
Forum: Personal Investments
Topic: Max 401k and Roth IRA Amounts
Replies: 4
Views: 464

Re: Max 401k and Roth IRA Amounts

Thanks everyone!
by Stan Dup
Thu Mar 07, 2019 9:24 am
Forum: Personal Investments
Topic: Max 401k and Roth IRA Amounts
Replies: 4
Views: 464

Max 401k and Roth IRA Amounts

If I contribute the maximum to my 401k, can I also contribute the maximum to my Roth IRA? In both cases I am qualified for the catch-up contributions. Another way of asking is if there is a total amount that I can contribute without occurring some kind of penalty. I plan on paying the full Roth IRA ...
by Stan Dup
Mon Apr 03, 2017 4:00 pm
Forum: Personal Investments
Topic: Is this the time to invest?
Replies: 6
Views: 1251

Re: Is this the time to invest?

Do whatever lets you sleep at night. It is your money.
by Stan Dup
Tue Mar 21, 2017 8:17 am
Forum: Personal Investments
Topic: Retirement Plans in a New Small Business
Replies: 6
Views: 920

Re: Retirement Plans in a New Small Business

Thank you for the replies.

I do not intend to have employees. But you never know; unexpected growth may require them.

So, the employer portion of a solo 401k seems like the best option? Allowing me to save up to 20% of my total income between the two jobs?
by Stan Dup
Mon Mar 20, 2017 11:13 am
Forum: Personal Investments
Topic: Retirement Plans in a New Small Business
Replies: 6
Views: 920

Retirement Plans in a New Small Business

I am in the beginning stages of starting a new small start up business. I anticipate it will be a part-time job for the first few years at least. Is there a way to shelter any income from this business? I am vaguely familiar that small businesses can have versions of the IRA or other plans. Can I sh...
by Stan Dup
Fri Mar 17, 2017 12:53 pm
Forum: Personal Investments
Topic: Keeping money liquid or investing?
Replies: 20
Views: 3109

Re: Keeping money liquid or investing?

I was hoping to catch someone who is an expert at making money grow with lower risk and preserving capital. You need to be really cautious here. You may be thinking that you can invest without the risk of losing your principle. If the stock market takes a tumble then your investments WILL go down, ...
by Stan Dup
Thu Feb 23, 2017 9:07 am
Forum: Personal Investments
Topic: How is my Boglehead Progress going??
Replies: 6
Views: 1364

Re: How is my Boglehead Progress going??

It looks like you are doing well.

Skipping international bonds will make life easier when you rebalance: http://www.etf.com/sections/features/22 ... =1&start=2
by Stan Dup
Thu Feb 23, 2017 9:00 am
Forum: Personal Investments
Topic: S&P at 22 times multiple
Replies: 40
Views: 6002

Re: S&P at 22 times multiple

I was about to write a whole litany of obvious predictions but that would just be snarky. Yes, the S&P is higher but so what? If your asset allocation is out of balance then rebalance. If you are feeling uncomfortable about losing too much in a downturn then your asset allocation is wrong for yo...
by Stan Dup
Wed Feb 22, 2017 2:02 pm
Forum: Personal Investments
Topic: Switching from target retirement
Replies: 10
Views: 1118

Re: Switching from target retirement

You will be so bored with investing that you will spend time responding to questions on forums.

That is a good thing.
by Stan Dup
Wed Feb 22, 2017 2:00 pm
Forum: Personal Investments
Topic: investing
Replies: 2
Views: 302

Re: investing

If you compare the Going Fishing Portfolio to a Three Fund Portfolio you will find that the TFP covers the same sectors with fewer funds.

Go with a TFP or even one of the target date funds. Simplicity is better; avoid unnecessary complexity.
by Stan Dup
Wed Feb 22, 2017 10:59 am
Forum: Personal Investments
Topic: Help with choosing funds
Replies: 11
Views: 1336

Re: Help with choosing funds

Would this be a bad time to switch my entire 401k to theae funds with the prices being so high? Is it smarter to wait for low share prices when the market drops? You will be moving the money laterally. When there is a dip your old fund will go down to. Move it and do not worry. Also, If you want to...
by Stan Dup
Tue Feb 21, 2017 5:24 pm
Forum: Personal Investments
Topic: Bond allocation
Replies: 3
Views: 637

Re: Bond allocation

Post some details of the fund. It sounds like a Stable Value Fund.
by Stan Dup
Fri Feb 17, 2017 4:48 pm
Forum: Personal Investments
Topic: Two Comma Club
Replies: 212
Views: 42065

Re: Two Comma Club

Personally, I am working on my second million. The first one was way too hard! :D
by Stan Dup
Wed Feb 15, 2017 9:25 am
Forum: Personal Investments
Topic: Can I unify all my investment accounts in one?
Replies: 39
Views: 3112

Re: Can I unify all my investment accounts in one?

And excuse me if I sound clueless, but is buying individual stocks frowned upon here? Is this forum for funds only? I like index funds alright, and I do have those in my accounts. But I see nothing wrong with buying the right basket of stocks too. Many people here buy individual stocks but the gene...
by Stan Dup
Wed Feb 15, 2017 9:19 am
Forum: Personal Investments
Topic: How to simplify an existing portfolio?
Replies: 22
Views: 2357

Re: How to simplify an existing portfolio?

This could be simpler by eliminating international bonds: http://www.etf.com/sections/features/22 ... =1&start=2
by Stan Dup
Wed Feb 01, 2017 9:46 am
Forum: Personal Investments
Topic: Untangling from Edward Jones
Replies: 38
Views: 6052

Re: Untangling from Edward Jones

Have you decided how you are going to invest the money once your transfers are complete? I would get all of your money away from EJ and into Vanguard. Don't agonize over the fees. Just pay them and consider that they were the cost of tuition for learning about financial matters. Keeping your money a...
by Stan Dup
Mon Jan 30, 2017 8:23 am
Forum: Personal Investments
Topic: Untangling from Edward Jones
Replies: 38
Views: 6052

Re: Untangling from Edward Jones

retiredjg wrote:In the meantime, if your EJ rep has authorization to buy and sell without your approval, put a stop to that.

Do this first before you move anything.
by Stan Dup
Fri Jan 27, 2017 12:43 pm
Forum: Personal Investments
Topic: Universal Life
Replies: 16
Views: 4011

Re: Universal Life

Cash it in and donate the money.
by Stan Dup
Tue Jan 17, 2017 11:33 am
Forum: Personal Investments
Topic: My co-worker boasting about his investments. What do you think about his selections?
Replies: 57
Views: 6726

Re: My co-worker boasting about his investments. What do you think about his selections?

Send this to your co-worker: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=79324 This too: https://www.dropbox.com/s/vt9xqyjws0ankr5/Mensa.JPG?dl=0 At a recent Christmas party, someone I just met mentioned that he had just retired and was spending his time managing his investments. He wa...
by Stan Dup
Mon Jan 09, 2017 4:52 pm
Forum: Personal Investments
Topic: Rebalance into cash
Replies: 44
Views: 4496

Re: Rebalance into cash

Spend some time reading this: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=79324 Be honest with yourself: you are not that smart. Wouldn't it be better to stop looking at your balances and just make your monthly contributions? Do this and over time you will be ahead of most investors. I...
by Stan Dup
Wed Dec 21, 2016 3:48 pm
Forum: Personal Investments
Topic: Help with 3-fund portfolio. Asset allocation and fund choices
Replies: 2
Views: 794

Re: Help with 3-fund portfolio. Asset allocation and fund choices

What other funds are available in your old 401k? You need to move all of that money to a lower cost fund, preferably a 500 index fund. Consider all of your money as one pile and then use the funds you have avalable in the most efficient manner. Here are some guidelines: https://www.bogleheads.org/wi...
by Stan Dup
Tue Dec 13, 2016 8:38 am
Forum: Personal Investments
Topic: Investing Novice
Replies: 4
Views: 563

Re: Investing Novice

by Stan Dup
Mon Nov 07, 2016 8:18 am
Forum: Personal Investments
Topic: Just getting started - Requesting guidance
Replies: 11
Views: 1284

Re: Just getting started - Requesting guidance

retiredjg wrote:For now, I'd suggest just using a Target fund that contains everything rather than worrying about all those funds.
I agree with this advice. Keep it simple.
by Stan Dup
Fri Oct 14, 2016 8:19 am
Forum: Personal Investments
Topic: Safety in gold ?
Replies: 37
Views: 4171

Re: Safety in gold ?

His best bet is bank CDs, within the FDIC limits per individual per institution. With the FDIC behind it, essentially he cannot lose money. +10 on this advice. Keep his money in an FDIC insured bank (or the equivalent for a credit union). If he has more than $250,000 in the bank, tell him to move t...
by Stan Dup
Fri Oct 07, 2016 2:58 pm
Forum: Personal Investments
Topic: Is it a good time to buy Total Bond Index (SCHZ) ?
Replies: 18
Views: 2635

Re: Is it a good time to buy Total Bond Index (SCHZ) ?

Bonds are for security, not growth. Yes it is a good time to buy because that is what your asset allocation says to do.
by Stan Dup
Tue Sep 13, 2016 1:35 pm
Forum: Personal Investments
Topic: Is A Two-Fund Portfolio All You Really Need?
Replies: 44
Views: 11021

Re: Is A Two-Fund Portfolio All You Really Need?

Just be sure your Target Date funds are low cost. Some unscrupulous providers have them in 401Ks with significantly higher expense ratios than Vanguard would provide outside of a 401K.
by Stan Dup
Fri Sep 09, 2016 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard 8/17/16 Article: "A New Approach to Retirement Spending"
Replies: 31
Views: 4059

Re: Vanguard 8/17/16 Article: "A New Approach to Retirement Spending"

But it appear to me that the intent of the article was to promote the for-fee Vanguard Personal Advisors Services by saying the average Vanguard investor is unable to handle his/her investments in retirement. It's a Profit Deal!!!! :D https://www.youtube.com/watch?v=fKBRtdp2e98 Vanguard does have t...
by Stan Dup
Tue Aug 30, 2016 3:29 pm
Forum: Personal Investments
Topic: Admiral Shares for Target Retirement Funds
Replies: 18
Views: 14858

Re: Admiral Shares for Target Retirement Funds

Don't you have to weigh in the cost of taking capital gains? Not everything is just about the difference in fees. If you can contribute 5-10k/mo into your account, this may not be a problem for account balances under 700k, but as the portfolio reaches 1M it may become more and more difficult to bal...
by Stan Dup
Wed Aug 24, 2016 2:14 pm
Forum: Personal Investments
Topic: Concerned I'm investing at peak
Replies: 31
Views: 4965

Re: Concerned I'm investing at peak

What if You Only Invested at Market Peaks?
http://awealthofcommonsense.com/2014/02 ... ket-timer/
by Stan Dup
Tue Aug 23, 2016 10:49 am
Forum: Personal Investments
Topic: Boglehead advice in Chinese?
Replies: 10
Views: 1370

Re: Boglehead advice in Chinese?

Perhaps you can contact some bookstores where large Chinese communities are located, like in California. Picking up a phone would be best I think.

Assuming there are any bookstores left.
by Stan Dup
Tue Aug 23, 2016 10:45 am
Forum: Personal Investments
Topic: High Income and Confused
Replies: 21
Views: 4046

Re: High Income and Confused

I am a refugee from Edelman. Please do not use them. I was paying 2% a year plus underlying expenses. In the long run that would have been ruinous to my retirement. Skip the Gone Fishing Portfolio. You can get similar results from simpler portfolios, like the Three Fund Portfolio and similar Lazy Po...
by Stan Dup
Mon Aug 22, 2016 2:02 pm
Forum: Personal Investments
Topic: where to start with investing
Replies: 9
Views: 1456

Re: where to start with investing

This should get you started: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6211 https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 http://www.etf.com/docs/IfYouCan.pdf https://www.bogleheads.org/forum/viewtopic.php?f=10&t=88005 After you read more you will feel more comfort...
by Stan Dup
Thu Aug 18, 2016 3:16 pm
Forum: Personal Investments
Topic: Anyone else getting nervous and converting to cash as a short-term move?
Replies: 116
Views: 16197

Re: Anyone else getting nervous and converting to cash as a short-term move?

Oh, I'm not freaking out... I have several investment accounts that are still fully invested in Stocks, Bonds and Mutual Funds. I'm very much still "in" the market. Then you need to familiarize yourself with the basics of boglehead investing and make your first post like this: https://www...
by Stan Dup
Wed Aug 17, 2016 4:47 pm
Forum: Personal Investments
Topic: What to do with my old 401K?
Replies: 12
Views: 1305

Re: What to do with my old 401K?

You could do any one of those, yes.

Rolling it over to a Vanguard IRA will ensure that you have low cost funds to invest in. Just call them and talk to an adviser. They will do the work for you; they do it all the time.
by Stan Dup
Tue Jul 12, 2016 11:17 am
Forum: Personal Investments
Topic: Investing idea, evaluation is needed..
Replies: 14
Views: 1243

Re: Investing idea, evaluation is needed..

lagflag wrote:"...and just sit back and relax receiving royalties checks every month"
Red flag