Search found 32805 matches

by retiredjg
Sun Jul 15, 2018 4:12 pm
Forum: Investing - Help with Personal Investments
Topic: need help pls
Replies: 13
Views: 478

Re: need help pls

Yes. You can hold IRAs and 401k accounts at the same time. Even multiple IRAs and 401ks if you want - though I don't necessarily suggest that. Sometimes there is a question about whether you can contribute, but I can't think of a time where there is a question about what you can hold. Your plan to r...
by retiredjg
Sun Jul 15, 2018 4:07 pm
Forum: Investing - Theory, News & General
Topic: How to determine weights within portfolio
Replies: 20
Views: 915

Re: How to determine weights within portfolio

flroots wrote:
Sun Jul 15, 2018 3:44 pm
My stock weightings are.....
I actually meant to show us the funds you hold and what accounts you hold them in. See the link at the bottom of this message for how to do that.
by retiredjg
Sun Jul 15, 2018 3:33 pm
Forum: Personal Consumer Issues
Topic: Bears!!!
Replies: 6
Views: 340

Re: Bears!!!

I live in a place with bears. I do not keep bird feeders out in the summer any more ( :( ) and I do not put garbage outside year round. If the garbage simply MUST leave the house, I put it in my car overnight - few bears, few bear incidents, our bears are not yet smart enough or hungry enough to try...
by retiredjg
Sun Jul 15, 2018 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: need help pls
Replies: 13
Views: 478

Re: need help pls

You can roll your old 401k into a traditional IRA if you want.

Or leave it where it is until you see how good your new 401k is. People here can help you figure out if the new plan is a good one or not.
by retiredjg
Sun Jul 15, 2018 3:14 pm
Forum: Investing - Help with Personal Investments
Topic: need help pls
Replies: 13
Views: 478

Re: need help pls

Here is something you should learn about - the saver's credit. You can get a credit on your federal income taxes if you save for retirement. This might work out for you or it might not, but you should find out. https://www.bogleheads.org/wiki/Saver%27s_credit I know this may seem overwhelming today,...
by retiredjg
Sun Jul 15, 2018 2:19 pm
Forum: Investing - Theory, News & General
Topic: How to determine weights within portfolio
Replies: 20
Views: 915

Re: How to determine weights within portfolio

Stocks 75% Bonds 15% Real Estate 5% Alternatives 5% so it's only a matter of the individual weights within the 7 stock asset classes The stocks would be divided into US and Foreign - maybe something like 52% and 23%. But really.....If you have stuff already and you want to mold your stuff into the ...
by retiredjg
Sun Jul 15, 2018 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: IRS CP2000 on Backdoor Roth, Did I do it right?
Replies: 22
Views: 1285

Re: IRS CP2000 on Backdoor Roth, Did I do it right?

In that case...guess it is best to wait, at least until closer to the due date. I hate to wait, but I would hate amending the 2017 return even worse. :happy
by retiredjg
Sun Jul 15, 2018 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: Help with consolidating Retirement and taxable portfolio
Replies: 4
Views: 362

Re: Help with consolidating Retirement and taxable portfolio

Desired Asset allocation: xx% stocks / xx% bonds. What is the recommended allocation? My recomendation is to start at 75% stock and 25% bonds at this point. In 5 years add on another 5% in bonds. And so on. This is just a number based on your age. It does not consider anything about you and your to...
by retiredjg
Sun Jul 15, 2018 1:19 pm
Forum: Investing - Help with Personal Investments
Topic: need help pls
Replies: 13
Views: 478

Re: need help pls

The situation may look grim to you, but you are far ahead of many because you have no debt. You don't have to dig yourself out of a hole before moving up. Good for you for being at this point! It is certainly not too late to start saving. Start your education here. https://www.bogleheads.org/wiki/Ge...
by retiredjg
Sun Jul 15, 2018 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: Should I simplify my portfolio and switch from 3 fund to 2 fund portfolio?
Replies: 22
Views: 973

Re: Should I simplify my portfolio and switch from 3 fund to 2 fund portfolio?

I'm thinking maybe I could make my stock portfolio even more simple and get rid of 30% VXUS and switch it to 90% VTI and 10% BND. Seems ok if you can honestly say that is the real reason and if you never ever intend to buy foreign stocks again. Unfortunately, a lot of people considering this are ju...
by retiredjg
Sun Jul 15, 2018 11:36 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity Go vs. 3-fund portfolio vs FXIFX vs FSTVX
Replies: 5
Views: 365

Re: Fidelity Go vs. 3-fund portfolio vs FXIFX vs FSTVX

Despite the huge fees of > 1%, the returns for the last year were lower than even the Fidelity Freedom® Index 2030 Fund. In fact, it is probably BECAUSE of the high fees that your portfolio is underperforming. :happy I would suggest you use the Fidelity Freedom Index 2025 fund because it has 30% bo...
by retiredjg
Sun Jul 15, 2018 10:36 am
Forum: Personal Finance (Not Investing)
Topic: IRS CP2000 on Backdoor Roth, Did I do it right?
Replies: 22
Views: 1285

Re: IRS CP2000 on Backdoor Roth, Did I do it right?

Apologies for the piggyback. But the topics are very close. I responded to my CP2000 letter (for 2016) immediately with receipt confirmation -- it was signed for within 2 days of my receiving the letter in the first place, on June 3rd. It's been about 6 weeks, and nothing has happened. I checked my...
by retiredjg
Sun Jul 15, 2018 10:10 am
Forum: Investing - Help with Personal Investments
Topic: After-tax Roth conversion question
Replies: 18
Views: 865

Re: After-tax Roth conversion question

We'll see...but I have to say that it's hard to see how they can argue that this is my error. The line I filled in for the Roth rollover said "Indicate Money Type (pre-tax, Roth or non-Roth after tax) and Amount (percentage or dollar)," and I wrote "non-Roth after tax, 100%." I just don't see how t...
by retiredjg
Sun Jul 15, 2018 9:07 am
Forum: Investing - Help with Personal Investments
Topic: Recurring investments in taxable account
Replies: 26
Views: 1811

Re: Recurring investments in taxable account

Company does allow after tax. Note that "after-tax employee contributions" are not the same thing as Roth contributions. With that in mind, do you really have the option to make after-tax contributions? What are in plan distributions? I've more often seen this as "in-service" distributions meaning ...
by retiredjg
Sat Jul 14, 2018 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth mess up
Replies: 3
Views: 404

Re: Backdoor Roth mess up

Not to worry. You just pay tax on that couple of dollars.

Download Form 8606 and work through it in pencil and you'll see how it works.
by retiredjg
Sat Jul 14, 2018 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: After-tax Roth conversion question
Replies: 18
Views: 865

Re: After-tax Roth conversion question

Did the custodian of the thrift plan make a mistake in including the untaxed earnings with the after-tax contributions in the Roth rollover? I think they did make a mistake. This assumes that the rules for a "thrift plan" are the same as the rules for a 401k/403b. It also assumes that there is not ...
by retiredjg
Sat Jul 14, 2018 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: Withdraw Roth contributions to max TSP/get more G Fund?
Replies: 24
Views: 1178

Re: Withdraw Roth contributions to max TSP/get more G Fund?

As retiredjg pointed out above, our TSP space will grow relative to the rest of our portfolio if we continue on one income/not able to contribute to IRAs/only contribute to TSP for several years... However, I did not take into account that your other accounts will be experiencing more growth becaus...
by retiredjg
Sat Jul 14, 2018 8:29 am
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 340
Views: 9636

Re: COMING SOON: BOGLEHEADS PODCASTS

Seems to me like a good place to stop. :happy
by retiredjg
Sat Jul 14, 2018 8:21 am
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio vs. Schwab Target Fund
Replies: 80
Views: 8618

Re: Schwab Intelligent Portfolio vs. Schwab Target Fund

Paying $76 one or two times will not ruin her portfolio if she prefers the Vanguard product. However, if there is also a fee for selling it would be a bad idea because she may be selling several times a year. The important thing is to make a decision and get the money where it needs to be. Any of th...
by retiredjg
Fri Jul 13, 2018 7:39 pm
Forum: Investing - Help with Personal Investments
Topic: 401K to an IRA back to a different 401K in same year?
Replies: 3
Views: 271

Re: 401K to an IRA back to a different 401K in same year?

The only rollovers that "count" for your "one per year" are IRA to IRA rollovers. So no worries there. None of what you are considered will be your "one per year". If your current 401k plan is decent, you could consider just leaving the money there until you have a better idea of what is going on. I...
by retiredjg
Fri Jul 13, 2018 6:02 pm
Forum: Investing - Theory, News & General
Topic: Tell me what's wrong with my strategy
Replies: 38
Views: 1883

Re: Tell me what's wrong with my strategy

Sandtrap wrote:
Fri Jul 13, 2018 5:56 pm
2. Yesterday's FAANG. . . . Radio Shack, PanAm, Polaroid, Paine Weber, E.F.Hutton, Compaq, Enron, Kodak . . . .
Well now....that is something to think about. :happy. And that is why holding such a high percentage of this stuff is risky.
by retiredjg
Fri Jul 13, 2018 5:57 pm
Forum: Investing - Help with Personal Investments
Topic: Withdraw Roth contributions to max TSP/get more G Fund?
Replies: 24
Views: 1178

Re: Withdraw Roth contributions to max TSP/get more G Fund?

That is what I do. I like the G fund fine, but I also like Total Bond Index and it does pay more. Total Bond Index (and the TSP F fund, which is basically the same thing) has outperformed the G fund in periods of falling interest rates. But interest rates now have much more room to go up than down....
by retiredjg
Fri Jul 13, 2018 5:50 pm
Forum: Investing - Theory, News & General
Topic: Tell me what's wrong with my strategy
Replies: 38
Views: 1883

Re: Tell me what's wrong with my strategy

30% of your portfolio in individual stocks is too high a percentage, particularly when they are all in more or less the same sector. Reduce your individual stocks to 10%, divided up however you want it, and call it good. Betting on individual stocks that you think are rock solid has caused a lot of ...
by retiredjg
Fri Jul 13, 2018 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: Logging out 20 acre lot?
Replies: 37
Views: 2377

Re: Logging out 20 acre lot?

There is a fair amount of National Forest, State Forest, State Park, Military Reservation. and maybe even some National Park Service land in the Florida panhandle. If any of that is close to you, you might be able to get out from under your burden by donating the land for conservation purposes. Or s...
by retiredjg
Fri Jul 13, 2018 4:48 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 340
Views: 9636

Re: COMING SOON: BOGLEHEADS PODCASTS

Rick Ferri wrote:
Fri Jul 13, 2018 4:46 pm
“Investing with the Bogleheads”
Yes? No?
I would not say "no" to that. It works. Enemy of a good plan and all that....
by retiredjg
Fri Jul 13, 2018 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: Withdraw Roth contributions to max TSP/get more G Fund?
Replies: 24
Views: 1178

Re: Withdraw Roth contributions to max TSP/get more G Fund?

Thank you for your thoughts - maybe diversification is ok (some G fund, some total bond fund)? That is what I do. I like the G fund fine, but I also like Total Bond Index and it does pay more. I believe we get a larger tax credit if we have more income due to the lower refundable credit amount unde...
by retiredjg
Fri Jul 13, 2018 4:17 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 340
Views: 9636

Re: COMING SOON: BOGLEHEADS PODCASTS

The emphasis will follow this site: Investing - theory and general Personal Finance (not investing) No consumer issues unless they happen to come up in conversation. How about "Investing and Personal Finance the Boglehead Way"? Or "The Boglehead Way of Investing and Personal Finance"? I know you'll...
by retiredjg
Fri Jul 13, 2018 9:29 am
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 340
Views: 9636

Re: COMING SOON: BOGLEHEADS PODCASTS

"Money the Boglehead Way"

Rick, is your emphasis money, investing, personal finances....all of the above? Not sure yet? Even if you only have investing in mind now, an all inclusive title will give you more flexibility later if you want to expand.
by retiredjg
Fri Jul 13, 2018 8:58 am
Forum: Investing - Help with Personal Investments
Topic: Withdraw Roth contributions to max TSP/get more G Fund?
Replies: 24
Views: 1178

Re: Withdraw Roth contributions to max TSP/get more G Fund?

We can afford around $10K to go to husband's TSP each year, but it pains me to leave "G Fund space" on the table. This does not make sense to me at all. Yes, the G Fund is great, but with all of your contributions going into the TSP, that space is going to get larger anyway (relative to the other a...
by retiredjg
Fri Jul 13, 2018 7:46 am
Forum: Personal Finance (Not Investing)
Topic: Max out TSP, 457, AND 403b
Replies: 30
Views: 3153

Re: Max out TSP, 457, AND 403b

That said, with our combined state+federal rate at about 32% is there an argument to do 3 x $18.5 in tax deffered? I would recommend against doing this. It appears you are in the 24% federal tax bracket now. That's a pretty low bracket for a working couple with good income. In retirement with a pen...
by retiredjg
Fri Jul 13, 2018 6:34 am
Forum: Personal Finance (Not Investing)
Topic: IRS CP2000 on Backdoor Roth, Did I do it right?
Replies: 22
Views: 1285

Re: IRS CP2000 on Backdoor Roth, Did I do it right?

Agree that your Roth IRA balance is NOT entered on line 6.
by retiredjg
Thu Jul 12, 2018 4:55 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 340
Views: 9636

Re: COMING SOON: BOGLEHEADS PODCASTS

The Boglehead Way of Simple Investing

The Boglehead Way (if it must be 3 words)

Musings of a Boglehead
by retiredjg
Thu Jul 12, 2018 9:24 am
Forum: Investing - Theory, News & General
Topic: Wellesley alternative for taxable acct.?
Replies: 25
Views: 2810

Re: Wellesley alternative for taxable acct.?

If I am confusing you please let me explain why I mention the Wellesley fund. I am looking for the historic "returns" of Wellesley, since the annual "returns" (4 negative years over a 30 year period) seem to outperform most other funds. Or as better stated by MJW above, to "replicate the performanc...
by retiredjg
Thu Jul 12, 2018 9:01 am
Forum: Investing - Help with Personal Investments
Topic: Recurring investments in taxable account
Replies: 26
Views: 1811

Re: Recurring investments in taxable account

If I plan to just have the one total market fund/etf, is there really and disadvantage of the spdr ETF vs the actual vanguard fund? If there is a disadvantage, it is probably not much of one. If you prefer to stay at TDA, that is what you should do. If you prefer the Vanguard fund, buy it at Vangua...
by retiredjg
Wed Jul 11, 2018 12:50 pm
Forum: Investing - Help with Personal Investments
Topic: Recurring investments in taxable account
Replies: 26
Views: 1811

Re: Recurring investments in taxable account

If you want Vanguard mutual funds, you should buy them at Vanguard. Other brokerages will charge a transaction fee (commission) and you cannot get the lower cost Admiral share class at other places either. It used to be possible to buy some Vanguard ETFs at TDA without a commission, but that has gon...
by retiredjg
Tue Jul 10, 2018 6:51 pm
Forum: Investing - Theory, News & General
Topic: Wellesley alternative for taxable acct.?
Replies: 25
Views: 2810

Re: Wellesley alternative for taxable acct.?

Vanguard does have a Tax Managed Balanced Fund, which is at about 50% stock. However, it is very different from Wellesley in the type of stocks it contains (blend instead of value). In spite of the fact that you like Wellesley, I'm not sure you are actually looking for something classified as "valu...
by retiredjg
Tue Jul 10, 2018 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to obtain older ROTH contribution #'s
Replies: 20
Views: 2514

Re: Best way to obtain older ROTH contribution #'s

Thanks for the update. Good luck!
by retiredjg
Tue Jul 10, 2018 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: Skillful at saving but not investing
Replies: 37
Views: 3687

Re: Skillful at saving but not investing

Thank you retiredjg for the specifics about how to further consolidate. Do you have a ticker symbol for the bond fund you suggested? At Vanguard it would be VBTLX. At Schwab it would be SWAGX. These funds contain government bonds (including some GNMA) and corporate bonds too. The bonds they contain...
by retiredjg
Tue Jul 10, 2018 7:27 am
Forum: Investing - Help with Personal Investments
Topic: Skillful at saving but not investing
Replies: 37
Views: 3687

Re: Skillful at saving but not investing

Here are some considerations for consolidation. His TRADITIONAL IRA at Vanguard <---consider Roth conversions xx% fund name (VFIJX) (er 0.11%) His SEP IRA at Vanguard <---roll into His Traditional IRA xx% fund name (VFIJX) (er 0.11%) His Roth IRA at Vanguard xx% fund name (VFIIX) (er 0.21%) Her TRAD...
by retiredjg
Tue Jul 10, 2018 7:22 am
Forum: Investing - Help with Personal Investments
Topic: Skillful at saving but not investing
Replies: 37
Views: 3687

Re: Skillful at saving but not investing

75% of our portfolio is taxable: 64% is cash in 9 different accts., mostly online ~ 1.8% interest (inh. his, inh. hers, ours) Set up to not exceed FDIC plus misc. accts. eg. sm. amt. Prudential stock, a savings bond. Over a dozen accts. taxable total 11% taxable is at Schwab with about 25 different...
by retiredjg
Tue Jul 10, 2018 6:54 am
Forum: Investing - Theory, News & General
Topic: Why 3-funds and not 4-funds or even 2-funds?
Replies: 56
Views: 4322

Re: Why 3-funds and not 4-funds or even 2-funds?

LifeStrategy Moderate Growth (VSMGX) has a 12% allocation to Vanguard Total International Bond Index Fund Investor Shares (VTIBX). Would Taylor and those counseling against any international bond allocation (a) consider this a deal-killer and suggest we look elsewhere; (b) shrug because, as some po...
by retiredjg
Tue Jul 10, 2018 6:14 am
Forum: Investing - Theory, News & General
Topic: Wellesley alternative for taxable acct.?
Replies: 25
Views: 2810

Re: Wellesley alternative for taxable acct.?

Troubleshooter, if you are in the 12% tax bracket, you don't really need to worry about tax-efficiency. But if you have an additional $1million to add to your portfolio, you may not longer be in the 12% tax bracket in the future and you might need to worry about tax-efficiency. There is not nearly e...
by retiredjg
Mon Jul 09, 2018 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: Should I exchange total bond market for stable value fund
Replies: 13
Views: 1069

Re: Should I exchange total bond market for stable value fund

I'd keep the total bond.

You are noticing that bond funds lose value as interest rates go up....but forgetting that they also start paying a higher return....because interest rates went up.
by retiredjg
Mon Jul 09, 2018 1:29 pm
Forum: Investing - Theory, News & General
Topic: Wellesley alternative for taxable acct.?
Replies: 25
Views: 2810

Re: Wellesley alternative for taxable acct.?

I guess I am just trying to 'lessen' the tax hit. I'm afraid the way to lessen the tax hit is to NOT put Wellesley into taxable. What's the point of getting higher performance if you are paying more in taxes? There are things that are very tax efficient. Wellesley is definitely not one of them. You...
by retiredjg
Mon Jul 09, 2018 9:55 am
Forum: Investing - Help with Personal Investments
Topic: Skillful at saving but not investing
Replies: 37
Views: 3687

Re: Skillful at saving but not investing

One other thing....I think you both need to quit work unless work is something you do for enjoyment.
by retiredjg
Mon Jul 09, 2018 9:52 am
Forum: Investing - Help with Personal Investments
Topic: Skillful at saving but not investing
Replies: 37
Views: 3687

Re: Skillful at saving but not investing

Things are coming together, but it is still unclear what you have. It appears you have told us this Taxable 64 % cash 3.6% NAINX Virtus Tactical Allocation A 1.38% 3.6% AMECX American Funds Income fund of America 0.56% 2.2% Individual stocks (more than 25) 1.6% unknown Tax advantaged: 25% of total p...
by retiredjg
Mon Jul 09, 2018 9:09 am
Forum: Investing - Theory, News & General
Topic: Why 3-funds and not 4-funds or even 2-funds?
Replies: 56
Views: 4322

Re: Why 3-funds and not 4-funds or even 2-funds?

Technically that's 9 funds. Practically, it functions as a 3-fund. I think this is an important point that some people new to this 3 fund concept may miss. Sometimes, to arrive at something that functions as a 3 funder, you have to use the appropriate building blocks found in the accounts you have ...
by retiredjg
Sun Jul 08, 2018 10:14 am
Forum: Investing - Theory, News & General
Topic: Why 3-funds and not 4-funds or even 2-funds?
Replies: 56
Views: 4322

Re: Why 3-funds and not 4-funds or even 2-funds?

Why not 4-funds? Why not 2-funds? I have not read the book so I don't know if Taylor addressed this or not. There is no reason to avoid either of those suggestions if you have a preference for it. In fact, your 2 fund portfolio is essentially the 3 fund portfolio with a minor modification (probably...
by retiredjg
Sun Jul 08, 2018 10:06 am
Forum: Local Chapters and Bogleheads Community
Topic: First Post [New to forum, using two-fund portfolio]
Replies: 17
Views: 1053

Re: First Post [New to forum, using two-fund portfolio]

For a person with a pension, Roth IRA might be a better choice, especially if your second career may be bringing in income. We don't really know enough to suggest one over the other though.