Search found 32825 matches

by retiredjg
Tue Jul 17, 2018 10:13 am
Forum: Investing - Help with Personal Investments
Topic: Tell me what's wrong with my strategy
Replies: 63
Views: 3796

Re: Tell me what's wrong with my strategy

I'm basing it on my belief that Amazon is already untouchable.... There are two things wrong with putting much value on this type of thinking. 1) You don't know anything that others can't see for themselves. Everybody has this information and many have the same opinion as you. The information you j...
by retiredjg
Tue Jul 17, 2018 8:50 am
Forum: Investing - Help with Personal Investments
Topic: Help with Solo 401k Placement
Replies: 9
Views: 343

Re: Help with Solo 401k Placement

Since the OP mentioned that this is a non-prototype one-participant 401k plan. I am assuming that they are referring to actually purchasing real estate in the 401k. Spirit Rider, thanks for the education. I knew this could be done in a certain type of IRA, but I didn't know it could be done in a 40...
by retiredjg
Tue Jul 17, 2018 7:30 am
Forum: Investing - Help with Personal Investments
Topic: Help with Solo 401k Placement
Replies: 9
Views: 343

Re: Help with Solo 401k Placement

Once my Solo 401k gets funded enough (1-2 years out), I plan to use it for alternative investments like real estate. But for the near future, it will be 100% in mutual funds/index funds. What do you mean by "alternative investments like real estate"? If you mean REITs, I'd suggest Fidelity because ...
by retiredjg
Tue Jul 17, 2018 7:09 am
Forum: Investing - Help with Personal Investments
Topic: Help with consolidating Retirement and taxable portfolio
Replies: 11
Views: 931

Re: Help with consolidating Retirement and taxable portfolio

I called TD and they said there's no cost associated with holding the 401k account, there's the 6.95 transaction fee associated when ever I buy/sell any positions. but that's the same with any other account. Should I be looking/asking them for something else? You should be looking for a new place t...
by retiredjg
Mon Jul 16, 2018 5:56 pm
Forum: Investing - Theory, News & General
Topic: Classifying CDs as Bonds or Short Term assets
Replies: 7
Views: 643

Re: Classifying CDs as Bonds or Short Term assets

If you are only looking at retirement assets, I don't think the demarcation between "bond" and "short term asset" is of much importance. It all falls into the fixed income assets portion of the portfolio, commonly called the bond side. To me, a CD of any term would fall into the "fixed income assets...
by retiredjg
Mon Jul 16, 2018 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: Advice adjusting Asset Allocation
Replies: 7
Views: 311

Re: Advice adjusting Asset Allocation

Always consider all accounts as part of one portfolio, so yes, increase bonds in the 401k. DODIX probably best choice, but you could also put 25-30% into TSYYX. It's shorter duration, but lower quality. I'm thinking of using a low cost Vanguard Target fund that has lots of bonds in that account. Lo...
by retiredjg
Mon Jul 16, 2018 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: Advice adjusting Asset Allocation
Replies: 7
Views: 311

Re: Advice adjusting Asset Allocation

Welcome to the forum!

If/when you are ready to move to a higher bond allocation, just do it. Sell stocks in the 401k and buy bonds. There is no reason to do anything else.
by retiredjg
Mon Jul 16, 2018 2:45 pm
Forum: Personal Consumer Issues
Topic: Bears!!!
Replies: 60
Views: 4376

Re: Bears!!!

I don't get the ammonia trick. If you have to put a cup of caustic liquid in the can a couple of times a week, how does it not become hazardous to the people handling the can? Even if you have an automated can dumping trash truck, seems like it would be splashing all over the place to be stepped in ...
by retiredjg
Mon Jul 16, 2018 2:27 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Portfolio Advice Please
Replies: 13
Views: 1388

Re: Fidelity Portfolio Advice Please

Fidelity Prospectus Portfolio Advisory Service @ 1.23 % Domestic Stock ER iShares Russell 1000 ETF (IWB) 0.15 iShares Russell 1000 Growth ETF (IWF) 0.2 iShares S&P Small-Cap 600 Growth ETF (IJT) 0.25 iShares S&P Small-Cap 600 Value ETF (IJS) 0.25 Loomis Sayles Growth Fund (LGRCX) 1.66 JPMorgan Mid ...
by retiredjg
Mon Jul 16, 2018 1:56 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio vs. Schwab Target Fund
Replies: 85
Views: 8994

Re: Schwab Intelligent Portfolio vs. Schwab Target Fund

Happy to help. Hope things work out well for her (and you too!). :happy
by retiredjg
Mon Jul 16, 2018 8:46 am
Forum: Investing - Help with Personal Investments
Topic: Help with consolidating Retirement and taxable portfolio
Replies: 11
Views: 931

Re: Help with consolidating Retirement and taxable portfolio

I called TD and they said there's no cost associated with holding the 401k account, there's the 6.95 transaction fee associated when ever I buy/sell any positions. but that's the same with any other account. Should I be looking/asking them for something else? You should be looking for a new place t...
by retiredjg
Mon Jul 16, 2018 8:05 am
Forum: Personal Finance (Not Investing)
Topic: How to apply safe withdraw rule?
Replies: 5
Views: 682

Re: How to apply safe withdraw rule?

Both my wife and I retired about 6 months ago and we are just looking into the withdraw rule. My wife's conclusion is ~2.5%, citing a Morningstar article which she adopted to be on the conservative side in terms of length of retirement period until death and future equity return. Well, I think the ...
by retiredjg
Sun Jul 15, 2018 6:13 pm
Forum: Investing - Help with Personal Investments
Topic: Help with consolidating Retirement and taxable portfolio
Replies: 11
Views: 931

Re: Help with consolidating Retirement and taxable portfolio

@retiredjgm, all my accounts are in TD and I plan to keep them there, unless there's a strong reason for me to move them to another brokerage So...does TD offer a low cost 401k plan that you like? Will it accept a rollover from your old 401k plan? Do you know what you will be able to buy in the TDA...
by retiredjg
Sun Jul 15, 2018 6:09 pm
Forum: Personal Consumer Issues
Topic: Bears!!!
Replies: 60
Views: 4376

Re: Bears!!!

The trouble with ammonia is how to apply it in such a way that the house humans don't come in contact with it and suffer burns or eye damage.

You'd have to be careful with this route.
by retiredjg
Sun Jul 15, 2018 4:59 pm
Forum: Personal Consumer Issues
Topic: Bears!!!
Replies: 60
Views: 4376

Re: Bears!!!

Next with so little garbage, you don't have to put your garbage out every week. We don't. You can use odor-proof bags and containers and have your garbage around the house longer. Might work where you live, but in the summer my garbage has to go somewhere twice a week. Otherwise, there will be frui...
by retiredjg
Sun Jul 15, 2018 4:54 pm
Forum: Investing - Theory, News & General
Topic: How to determine weights within portfolio
Replies: 29
Views: 1343

Re: How to determine weights within portfolio

Perhaps I should have said it does not work for me.
by retiredjg
Sun Jul 15, 2018 4:52 pm
Forum: Personal Consumer Issues
Topic: How much furniture spending is ok?
Replies: 37
Views: 2208

Re: How much furniture spending is ok?

I don't think there is a number. Buy what you will enjoy when you can afford it. If you cannot afford it, wait till next year and start enjoying it then. Don't borrow money for furniture beyond what you absolutely have to have (bed, few chairs, table to eat on). You certainly are not spending "too m...
by retiredjg
Sun Jul 15, 2018 4:46 pm
Forum: Personal Consumer Issues
Topic: Bears!!!
Replies: 60
Views: 4376

Re: Bears!!!

The easiest thing might be to put an electric fence around your trash can. Or around the enclosure for your trash can.

You and your family are sure to get zapped once or twice, but it will probably be effective against the bears. That's why beekeepers use them. :happy
by retiredjg
Sun Jul 15, 2018 4:42 pm
Forum: Investing - Theory, News & General
Topic: How to determine weights within portfolio
Replies: 29
Views: 1343

Re: How to determine weights within portfolio

My reference was to the link at the bottom of every message I post. It is "Asking Portfolio Questions".

Your spreadsheet might do, but frequently they do not. Depends on how you built it.

Either way, your link to your spreadsheet does not work.
by retiredjg
Sun Jul 15, 2018 4:26 pm
Forum: Personal Consumer Issues
Topic: Bears!!!
Replies: 60
Views: 4376

Re: Bears!!!

...then on your next trip into town throw that little bag into a public trash bin outside your place of work, or a gas station, or a WalMart. While effective, this is not legal in many jurisdictions. Those cans are usually not "public" in terms of receiving home generated trash. They are only "publ...
by retiredjg
Sun Jul 15, 2018 4:12 pm
Forum: Investing - Help with Personal Investments
Topic: need help pls
Replies: 19
Views: 1018

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: 29
Views: 1343

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: 60
Views: 4376

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: 19
Views: 1018

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: 19
Views: 1018

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: 29
Views: 1343

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: 24
Views: 1558

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: 11
Views: 931

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: 19
Views: 1018

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: 45
Views: 1954

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: 446

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: 24
Views: 1558

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: 915

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: 1854

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: 4
Views: 550

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: 915

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: 1188

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: 341
Views: 10168

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: 85
Views: 8994

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: 280

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 - Help with Personal Investments
Topic: Tell me what's wrong with my strategy
Replies: 63
Views: 3796

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: 1188

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 - Help with Personal Investments
Topic: Tell me what's wrong with my strategy
Replies: 63
Views: 3796

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: 2441

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: 341
Views: 10168

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: 1188

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: 341
Views: 10168

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: 341
Views: 10168

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: 1188

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...