Search found 23 matches

by justglassin
Mon Sep 30, 2019 3:50 pm
Forum: Personal Investments
Topic: TSP: Moving out of G Fund to F?
Replies: 49
Views: 3466

Re: TSP: Moving out of G Fund to F?

Age: 41, single, no kids To me, the most perplexing part of this situation is that I can't figure out why a 41-year old person with no dependents has 20% of their retirement portfolio parked in cash to begin with. Valid observation. I was trying to roll my own "three fund" between my ROTH and TSP, ...
by justglassin
Mon Sep 30, 2019 1:39 pm
Forum: Personal Investments
Topic: TSP: Moving out of G Fund to F?
Replies: 49
Views: 3466

Re: TSP: Moving out of G Fund to F?

Age: 41, single, no kids To me, the most perplexing part of this situation is that I can't figure out why a 41-year old person with no dependents has 20% of their retirement portfolio parked in cash to begin with. Valid observation. I was trying to roll my own "three fund" between my ROTH and TSP, ...
by justglassin
Sun Sep 29, 2019 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Buying Stock/MFs as gift for niece
Replies: 5
Views: 268

Buying Stock/MFs as gift for niece

If I wanted to start investing/saving for my niece (she's 2) in lieu of or as a supplement to other kinds of gifts (toys, etc.), is there a simple, tax-efficient way to do so? Is there some kind of separate account that could be transferred to her later on, say when she's 18, starts working, or grad...
by justglassin
Sun Sep 29, 2019 8:43 am
Forum: Personal Investments
Topic: TSP: Moving out of G Fund to F?
Replies: 49
Views: 3466

Re: TSP: Moving out of G Fund to F?

Thanks, all. Quick and to the point. I'll give it some thought.
by justglassin
Sun Sep 29, 2019 8:19 am
Forum: Personal Investments
Topic: TSP: Moving out of G Fund to F?
Replies: 49
Views: 3466

TSP: Moving out of G Fund to F?

Background: I keep 20% of my retirement investments (between ROTH IRA and traditional TSP) in G fund; the rest is modeled on a three fund-ish portfolio approach - blend of C,G,S,I in TSP and VTIAX in ROTH (which I regret, wish I'd just done a target date in the ROTH as it really lags the TSP). Was w...
by justglassin
Thu Jun 20, 2019 2:47 pm
Forum: Personal Consumer Issues
Topic: 2017 Ridgeline RTL-E back to 2015 Golf TDI SEL
Replies: 6
Views: 587

Re: 2017 Ridgeline RTL-E back to 2015 Golf TDI SEL

Thanks, all. Some good perspective and I wasn't aware the new TSIs were getting such great fuel economy.
by justglassin
Thu Jun 20, 2019 12:26 pm
Forum: Personal Consumer Issues
Topic: 2017 Ridgeline RTL-E back to 2015 Golf TDI SEL
Replies: 6
Views: 587

2017 Ridgeline RTL-E back to 2015 Golf TDI SEL

I was one of the fortunate (or unfortunate) owners of a TDI VW during the "dieselgate" scandal. Loved my old TDI VW Golf, but VW gave me an offer I couldn't refuse, paying me nearly what I paid for my car after 5 years and 70k miles (orig, purhase price was 25k; they bought it back at 21.5k). I then...
by justglassin
Thu Mar 14, 2019 1:09 am
Forum: Personal Consumer Issues
Topic: Army Reserves at 41 as an MI Captain
Replies: 7
Views: 1638

Re: Army Reserves at 41 as an MI Captain

Big thanks to everyone who has chimed in. Your views and comments on the pros and cons, and especially the unstated realities such as extra effort beyond the as-advertised one weekend/two weeks in TPU, are truly helpful. All the best!
by justglassin
Wed Mar 13, 2019 6:23 am
Forum: Personal Consumer Issues
Topic: Army Reserves at 41 as an MI Captain
Replies: 7
Views: 1638

Army Reserves at 41 as an MI Captain

Apologies for the long post. I'm seeking some advice or insights from others who have served or are still serving in the reserves as I consider returning to the Army as a reserve intel officer. I served 5 years as an infantry officer post 9/11 and left after my initial commitment to pursue some acad...
by justglassin
Wed Jan 02, 2019 3:43 pm
Forum: Personal Investments
Topic: Proxy For TSP “I” Fund please
Replies: 8
Views: 830

Re: Proxy For TSP “I” Fund please

I look forward to this update to the I fund. Question for the thread: If my ROTH is currently 100% VTIAX (to capture some EM exposure, but that will soon be represented in the I fund), how would anyone recommend 'unwinding' this holding in the ROTH? I never liked having my ROTH as 100% VTIAX anyway,...
by justglassin
Wed May 02, 2018 2:43 pm
Forum: Personal Investments
Topic: EMs in TSP's I fund: New AA for TSP and Roth IRA?
Replies: 9
Views: 916

Re: EMs in TSP's I fund: New AA for TSP and Roth IRA?

I understand that VTIAX is a very diverse fund, but with EM coming to TSP I Fund, holding so much VTIAX (100% of my Roth, actually) as a simple way to get DM and EM into my portfolio no longer makes sense to me.
by justglassin
Wed May 02, 2018 2:18 pm
Forum: Personal Investments
Topic: EMs in TSP's I fund: New AA for TSP and Roth IRA?
Replies: 9
Views: 916

Re: EMs in TSP's I fund: New AA for TSP and Roth IRA?

Thanks, all. I'm still a ways from implementing this and plan on waiting until I see something official from TSP, but your comments give me confidence with whichever approach I take.
by justglassin
Tue May 01, 2018 4:00 pm
Forum: Personal Investments
Topic: EMs in TSP's I fund: New AA for TSP and Roth IRA?
Replies: 9
Views: 916

Re: EMs in TSP's I fund: New AA for TSP and Roth IRA?

I don't like being 100% in VTIAX (Total International) when EM will soon be available in TSP's I fund. I'd like my Roth to be more diversified.
by justglassin
Tue May 01, 2018 3:47 pm
Forum: Personal Investments
Topic: EMs in TSP's I fund: New AA for TSP and Roth IRA?
Replies: 9
Views: 916

EMs in TSP's I fund: New AA for TSP and Roth IRA?

Greetings Bogleheads, I'm hoping to get some advice on diversifying my Roth IRA in light of the recently announced changes to the TSP's International Fund ("I"-Fund). https://www.bogleheads.org/forum/viewtopic.php?t=233534 I am 100% VTIAX in my Roth IRA. I arrived at this allocation at the advice se...
by justglassin
Wed Mar 15, 2017 9:59 am
Forum: Personal Investments
Topic: Backdoor Roth: Those few cents that accumulate in your MM settlement funds
Replies: 9
Views: 1654

Backdoor Roth: Those few cents that accumulate in your MM settlement funds

I've noticed that over time a few cents accumulate in my moneymarket settlement account. I only ever convert to my ROTH the original amount that I contributed to my tIRA, i.e., I leave these few cents sitting there. But what am I supposed to be doing with these cents that are accumulating within the...
by justglassin
Wed Mar 08, 2017 11:47 pm
Forum: Personal Investments
Topic: Backdoor Roth conversion form 8606
Replies: 13
Views: 2285

Re: Backdoor Roth conversion form 8606

Thanks! I'm wrapping up now with TT and checked back on my 2015 to see if it included this information. Should I be looking for some 8606 form to have been generated and attached to my 1040? Or does the 1040 generated by TT just include this info in some format that the IRS finds acceptable (includi...
by justglassin
Wed Mar 08, 2017 7:19 am
Forum: Personal Investments
Topic: Backdoor Roth conversion form 8606
Replies: 13
Views: 2285

Re: Backdoor Roth conversion form 8606

Looks like I'm late to this procedure and have never, to my knowledge, used form 8606 to report my conversions from tIRA to ROTH (unless it was so slickly woven into TurboTax's workflow that I didn't notice). I've executed a Backdoor ROTH for the past three years -- '14, '15 and '16. Question: I pla...
by justglassin
Sat Nov 23, 2013 9:15 am
Forum: Personal Investments
Topic: Roth Transfer to VG and New Portfolio Allocation?
Replies: 2
Views: 522

Re: Roth Transfer to VG and New Portfolio Allocation?

Many thanks, Duckie! Makes sense to me. I wasn't aware of TSP's gap in international emerging markets -- good to know. I didn't list an AA because I don't really have one...yet :) If anything yet, based on the below I might push for a slightly more aggressive mix of stocks vs bonds and go 80/20, but...
by justglassin
Fri Nov 22, 2013 5:08 pm
Forum: Personal Investments
Topic: Roth Transfer to VG and New Portfolio Allocation?
Replies: 2
Views: 522

Roth Transfer to VG and New Portfolio Allocation?

Hello everyone - Today I took the first major step towards bogle-izing my personal investment arrangements when I liquidated my Roth IRA holdings at Stifel-Nicolas (one of those 1% "advisory" accounts) so they can be pulled into Vanguard. While a lazy-portfolio/three-ETF approach is appealing and ma...
by justglassin
Mon Nov 11, 2013 10:03 pm
Forum: Personal Investments
Topic: FEE advice - 1% Mgmt Fee @ Stifel vs DIY @ VG
Replies: 5
Views: 2921

Re: FEE advice - 1% Mgmt Fee @ Stifel vs DIY @ VG

Thanks, CABob. I'll give the three-fund allocation some serious thought; simplicity is quite appealing given my (admittedly low) appetite for any kind of intense monitoring of investments.

It certainly looks like a well-tested and safe way to set things up initially.

Best regards.
by justglassin
Mon Nov 11, 2013 8:06 pm
Forum: Personal Investments
Topic: FEE advice - 1% Mgmt Fee @ Stifel vs DIY @ VG
Replies: 5
Views: 2921

Re: FEE advice - 1% Mgmt Fee @ Stifel vs DIY @ VG

Thanks, Steve, for being so concise! Being new to the Boglehead community, I am going to search the forum archives and Wiki for different schools of thought on the right asset allocation for me. If you or anyone else reading this are aware of useful tools/calculators that have helped them into this ...
by justglassin
Mon Nov 11, 2013 4:12 pm
Forum: Personal Investments
Topic: FEE advice - 1% Mgmt Fee @ Stifel vs DIY @ VG
Replies: 5
Views: 2921

FEE advice - 1% Mgmt Fee @ Stifel vs DIY @ VG

Hello everyone, Brand new visitor to this site and I'm hoping the community can give me their opinions/advice on my situation. I'm a Federal Employee and therefore have access to the Thrift Savings Plan. I hear it's a great plan to be in. So far I'm pleased and don't mind not having an "advisor" thr...