Search found 34074 matches

by retiredjg
Wed Nov 14, 2018 6:58 pm
Forum: Personal Consumer Issues
Topic: Dumb question about bedding and comforters
Replies: 13
Views: 833

Re: Dumb question about bedding and comforters

There is a difference between a comforter and a duvet insert . Which did you buy? If you bought an actual comforter, you don't need a cover although having a cover will mean it requires fewer washings. Funny thing is basically all the covers I'm seeing cost more than the cheapie comforter I just pur...
by retiredjg
Wed Nov 14, 2018 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare considerations for person with employer insurance
Replies: 7
Views: 325

Re: Medicare considerations for person with employer insurance

My parent is turning 65 next year, so will be eligible for Medicare. However, there are two additional considerations: They have been receiving retiree benefits (medical, dental, vision) from a previous employer for many years.... There is a good possibility that these benefits will change when you...
by retiredjg
Wed Nov 14, 2018 4:48 pm
Forum: Investing - Help with Personal Investments
Topic: Contribute to Roth IRA now or tIRA later (to save tax)?
Replies: 13
Views: 704

Re: Contribute to Roth IRA now or tIRA later (to save tax)?

That said, I'm still not sure why "Supplementing that with Roth IRA (instead of more pre-tax IRA) is frequently a good idea"? Can you elaborate that please? The usual suggestion is to have both pre-tax and post-tax assets when you retire. This is for tax-diversification. That give you more flexibil...
by retiredjg
Wed Nov 14, 2018 9:26 am
Forum: Investing - Theory, News & General
Topic: Asset allocation in Roth vs pre-tax
Replies: 7
Views: 549

Re: Asset allocation in Roth vs pre-tax

Hi, Let's say the proportion of Roth or pre-tax is already chosen. And that your asset allocation allocation is the one that you desire for the *whole* portfolio (so you rebalance every year, at least). You have to weight the pre-tax by (let's say) 0.8 (assuming it will be taxed at 20% at retiremen...
by retiredjg
Wed Nov 14, 2018 9:21 am
Forum: Investing - Help with Personal Investments
Topic: Contribute to Roth IRA now or tIRA later (to save tax)?
Replies: 13
Views: 704

Re: Contribute to Roth IRA now or tIRA later (to save tax)?

If you have a phase out for being able to deduct tIRA, one or both of you has some kind of pension plan or 401k type plan at work. In many to most circumstances, that should be a pre-tax account. Supplementing that with Roth IRA (instead of more pre-tax IRA) is frequently a good idea. So based on ju...
by retiredjg
Wed Nov 14, 2018 7:28 am
Forum: Investing - Help with Personal Investments
Topic: Should we drop our manager, for 4-fund portfolio?
Replies: 42
Views: 3493

Re: Should we drop our manager, for 4-fund portfolio?

Regarding the hi yield exposure I'd be interested to learn how the boglehead community looks at hi yield collectively... does HY merit a place in a well-diversified savings portfolio? Junk bonds are not part of any frequently recommended portfolio here. Like many things, a little bit is probably OK...
by retiredjg
Tue Nov 13, 2018 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: New Investor looking for some guidance
Replies: 3
Views: 248

Re: New Investor looking for some guidance

Welcome to the forum. Thanks for posting in the format we use to help people. It makes it SOOOO much easier to help you. :D 1. What is a reasonable allocation for TIPS in a bond portfolio? I'd say 0% to maybe half your bond allocation. It used to be common here to recommend using half TIPS. As time ...
by retiredjg
Tue Nov 13, 2018 5:52 pm
Forum: Investing - Help with Personal Investments
Topic: I can't take this anymore=) I'm selling stocks and buying bonds!
Replies: 68
Views: 7744

Re: I can't take this anymore=) I'm selling stocks and buying bonds!

Alex Gr, you set your portfolio up a little over a year ago at 73% stocks and 27% bonds. Within a few weeks, you were nervous about it because your portfolio took a dive of $7k. At that time you wondered if you needed to make a change but you decided to stick with it. You are now considering setting...
by retiredjg
Tue Nov 13, 2018 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: First time invester, help needed please
Replies: 84
Views: 3867

Re: First time invester, help needed please

What I'm trying to avoid is having the same exact fund in the taxable account and in the Roth IRA. This is to avoid a wash sale if you should decide to tax loss harvest. I'm pretty sure you don't even know what those things are right now, but in time you will. I think it is just easier to set thing...
by retiredjg
Tue Nov 13, 2018 8:58 am
Forum: Personal Finance (Not Investing)
Topic: why so few 50/50 balanced funds?
Replies: 21
Views: 2477

Re: why so few 50/50 balanced funds?

I also prefer 50/50 but 60/40 is practically the same thing. In my opinion small differences in AA aren't significant, but staying the course definitely is. So even though I would prefer an AA of 50/50, a 60/40 balanced fund is still good for me. I may as well just put it into Balanced then. If you...
by retiredjg
Mon Nov 12, 2018 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: Should we drop our manager, for 4-fund portfolio?
Replies: 42
Views: 3493

Re: Should we drop our manager, for 4-fund portfolio?

The bigger decision is regarding the $1.1MM in the two Schwab IRA's... do I use four individual Vanguard or Schwab funds in each account, or simply place each total account into a Schwab Target Index Fund. The latter seems to accomplish the same thing but at an even lower cost and pretty much self-...
by retiredjg
Mon Nov 12, 2018 6:24 pm
Forum: Investing - Help with Personal Investments
Topic: First time invester, help needed please
Replies: 84
Views: 3867

Re: First time invester, help needed please

There is no average until you are many years down the line and looking back. Some years it could be + 5% or + 25% and other years it might be -20% a few years in a row. That is just how it is. Don't be in a hurry and don't get frustrated if things don't grow as fast as you think they should (and thi...
by retiredjg
Mon Nov 12, 2018 6:18 pm
Forum: Investing - Help with Personal Investments
Topic: First time invester, help needed please
Replies: 84
Views: 3867

Re: First time invester, help needed please

11k 1650 Bonds 2860 international stocks This part is right if your total contribution will be $11k. 6490/2 --3492 401k Total Stock Index --3492 Roth 500 Index and Extended Market This works but it puts more than $5,500 into the 401k and less than $5,500 in the Roth IRA. That's OK. Or you could div...
by retiredjg
Mon Nov 12, 2018 6:13 pm
Forum: Investing - Help with Personal Investments
Topic: 401k rollover to Roth IRA - timing & taxes
Replies: 8
Views: 408

Re: 401k rollover to Roth IRA - timing & taxes

I don't think your plan is nuts. Not sure how much difference $7kish is going to make, but hey...why not if you want to? It won't be a very big mistake to do it or not do it. :happy
by retiredjg
Mon Nov 12, 2018 5:44 pm
Forum: Investing - Help with Personal Investments
Topic: Should we drop our manager, for 4-fund portfolio?
Replies: 42
Views: 3493

Re: Should we drop our manager, for 4-fund portfolio?

Lazareth wrote:
Mon Nov 12, 2018 5:31 pm
Then at 70 1/2, in 2024, I expect to begin a 4% yearly withdrawal.
Well, it won't be 4% for more than a couple of years. The percentage starts about something near 3.75% goes up every year.
by retiredjg
Mon Nov 12, 2018 5:39 pm
Forum: Investing - Help with Personal Investments
Topic: 401k rollover to Roth IRA - timing & taxes
Replies: 8
Views: 408

Re: 401k rollover to Roth IRA - timing & taxes

No, I'm nowhere near retirement age. But my plan does allow in-service rollovers of pretax dollars to IRA accounts. Technically that is correct, but it may not mean what you think it means. Your elective deferrals (the $18.5k you contribute) cannot leave the 401k at your age. That is law although t...
by retiredjg
Mon Nov 12, 2018 5:28 pm
Forum: Investing - Help with Personal Investments
Topic: Good time to TLH and which Vanguard funds to avoid wash sale?
Replies: 11
Views: 577

Re: Good time to TLH and which Vanguard funds to avoid wash sale?

Thanks retiredjg! At what point would TLH become worth the trouble, only being in the 10% tax bracket? I don't tax loss harvest (no taxable account), so I don't know. What I do know is that the losses will not help you offset LT capital gains if you sell something in taxable. In the 10% bracket, yo...
by retiredjg
Mon Nov 12, 2018 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: Good time to TLH and which Vanguard funds to avoid wash sale?
Replies: 11
Views: 577

Re: Good time to TLH and which Vanguard funds to avoid wash sale?

bertilak wrote:
Mon Nov 12, 2018 5:01 pm
When I saw the OP I crossed the intl stock and the intl bond wires!
Oh dear. You must be over 55 years old. :D
by retiredjg
Mon Nov 12, 2018 5:16 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Options-reallocation help
Replies: 4
Views: 204

Re: 401k Options-reallocation help

These are the funds that many would suggest you use in this plan. Vanguard 500 Index Adm VFIAX 0.04% Vanguard Small Cap Index Adm VSMAX 0.05% Vanguard FTSE All-World ex-US VFWAX 0.11% Vanguard Total Bond Market Index Adm VBTLX 0.05% Vanguard Total Intl Bond Index Adm VTABX 0.11% Which ones you would...
by retiredjg
Mon Nov 12, 2018 4:55 pm
Forum: Investing - Help with Personal Investments
Topic: Good time to TLH and which Vanguard funds to avoid wash sale?
Replies: 11
Views: 577

Re: Good time to TLH and which Vanguard funds to avoid wash sale?

bertilak wrote:
Mon Nov 12, 2018 4:51 pm
Total Intl doesn't have a good TLH partner at Vanguard.
Really? I would think the FTSE All World except US would work fine.
by retiredjg
Mon Nov 12, 2018 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: First time invester, help needed please
Replies: 84
Views: 3867

Re: First time invester, help needed please

great another question, not sure if you know this one, might be particular to vanguard but here... 15% of that should go into bonds in the 401k = $1,650 26% of that should go into international in the 401k = $2,860 the rest of the 401k ($2640) $990 goes into Total Stock Index This is all for my Van...
by retiredjg
Mon Nov 12, 2018 4:05 pm
Forum: Investing - Help with Personal Investments
Topic: Should we drop our manager, for 4-fund portfolio?
Replies: 42
Views: 3493

Re: Should we drop our manager, for 4-fund portfolio?

Has it been the opinion of many in this forum that it seems contrary to good risk management to put pretty much all of your wealth, in my case our two IRA's, into one vehicle such as Schwab's Target Index Funds? It should be just fine. If you look at the list of the components of the target fund, i...
by retiredjg
Mon Nov 12, 2018 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: Should we drop our manager, for 4-fund portfolio?
Replies: 42
Views: 3493

Re: Should we drop our manager, for 4-fund portfolio?

Actually, it would be to tolerate the small bond exposure there, not stocks. However the REIT is stock exposure. REIT is a particularly tax-inefficient type of stock fund and not a Boglehead choice for a taxable account. The taxable account could be "cleaned up" over time, getting rid of the REIT fi...
by retiredjg
Mon Nov 12, 2018 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: First time invester, help needed please
Replies: 84
Views: 3867

Re: First time invester, help needed please

Ok so I'll do it soon.. you use the example of 5500 but I was thinking about doing this is just two shots over the course of two years so 22 and 22..any harm in that? I don't see any harm in that, especially if you do it early in 2019 - that would just be about 7 weeks from now. I used $5k to be an...
by retiredjg
Mon Nov 12, 2018 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: First time invester, help needed please
Replies: 84
Views: 3867

Re: First time invester, help needed please

I know I'm not supposed to "time the market" but I will hold out a little longer until it comes back up a little to sell..ok I will look No sense in doing that. It will just mean more taxes to pay. In fact, it would be kind of dumb. Look at it this way. You are going to sell some stock valued at le...
by retiredjg
Mon Nov 12, 2018 3:20 pm
Forum: Investing - Help with Personal Investments
Topic: First time invester, help needed please
Replies: 84
Views: 3867

Re: First time invester, help needed please

stt816 wrote:
Mon Nov 12, 2018 2:53 pm
Unrealized Gain/Loss : $13,694.50
If all of these gains are long term, you will pay 15% of it to taxes = $2,054. You need to figure out where that money is going to come from and how to get some extra money to Uncle Sam before taxes are due (unless you usually get a large refund).
by retiredjg
Mon Nov 12, 2018 3:17 pm
Forum: Investing - Help with Personal Investments
Topic: First time invester, help needed please
Replies: 84
Views: 3867

Re: First time invester, help needed please

stt816 wrote:
Mon Nov 12, 2018 2:49 pm
I know I'm not supposed to "time the market" but I will hold out a little longer until it comes back up a little to sell..ok I will look
No sense in doing that. It will just mean more taxes to pay.
by retiredjg
Mon Nov 12, 2018 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: First time invester, help needed please
Replies: 84
Views: 3867

Re: First time invester, help needed please

Yes, it will be a pinch now, but selling the high cost actively managed fund is the best choice for the long run. In a year or two, you won't even remember it.

You probably have access to your account online. Go there and look for "unrealized capital gains" and see what it says.
by retiredjg
Mon Nov 12, 2018 2:31 pm
Forum: Investing - Help with Personal Investments
Topic: First time invester, help needed please
Replies: 84
Views: 3867

Re: First time invester, help needed please

So above are the true values as of today. Percentages still ok? Looks OK to me. Also you mentioned slowly taking out of black rock over two years. While I do that I might only have 88k (first year taking out half at blackrock combined to personal) then 2nd year i would have the full 108k (if everyt...
by retiredjg
Mon Nov 12, 2018 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: Rearrange 3 fund portfolio or leave accounts mirrored
Replies: 16
Views: 1410

Re: Rearrange 3 fund portfolio or leave accounts mirrored

It may not matter much to this poster since there is no taxable account... :|
by retiredjg
Mon Nov 12, 2018 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Deferred Comp good idea?
Replies: 25
Views: 2589

Re: Deferred Comp good idea?

2. Are you concerned with the financial stability of your company?
In addition to that, it is not just the current financial stability of your company that matters. It is the financial stability for the next 10, 15....25 years, even after you have left and no longer in the loop.
by retiredjg
Mon Nov 12, 2018 11:28 am
Forum: Personal Finance (Not Investing)
Topic: why so few 50/50 balanced funds?
Replies: 21
Views: 2477

Re: why so few 50/50 balanced funds?

Since you like Wellesley, another way to do this is to combine Wellesley Income (just a little less than 40% stock) with LifeStrategy Moderate Growth (60% stocks). This would also mean less international.
by retiredjg
Mon Nov 12, 2018 11:22 am
Forum: Investing - Help with Personal Investments
Topic: Should we drop our manager, for 4-fund portfolio?
Replies: 42
Views: 3493

Re: Should we drop our manager, for 4-fund portfolio?

On top of that you should look to putting assets in accounts best suited for their tax-efficiency. You shouldn't be holding $47k worth of bonds in the taxable account when they can sit comfortably in your IRA and do their job without generating taxable dividends. I agree with this in principle, but...
by retiredjg
Mon Nov 12, 2018 11:14 am
Forum: Investing - Help with Personal Investments
Topic: First time invester, help needed please
Replies: 84
Views: 3867

Re: First time invester, help needed please

Ok, here tis....You would set your portfolio up at 85% stocks and 15% bonds with about 30% of your stocks in international. That boils down to 59% US stocks, 26% international stocks, and 15% bonds. Then you would contribute to your portfolio in the same 59%, 26%, 15% ratios each year. This keeps th...
by retiredjg
Mon Nov 12, 2018 11:03 am
Forum: Investing - Help with Personal Investments
Topic: First time invester, help needed please
Replies: 84
Views: 3867

Re: First time invester, help needed please

What did I say that makes you think I suggested that? Contributions = $11k 15% of that should go into bonds in the 401k = $1,650 26% of that should go into international in the 401k = $2,860 the rest goes into US stocks I thought more of that 11k would go into 401k and roth ira No, I just had not f...
by retiredjg
Mon Nov 12, 2018 10:33 am
Forum: Investing - Help with Personal Investments
Topic: First time invester, help needed please
Replies: 84
Views: 3867

Re: First time invester, help needed please

Why wouldn't it be possible to move money to my personal account to an international stock? It would be possible to sell Total Stock each year and buy Total International, but that is going to trigger capital gains taxes. This is not the way to build your best portfolio. Just a question, why would ...
by retiredjg
Mon Nov 12, 2018 10:22 am
Forum: Investing - Help with Personal Investments
Topic: Should we drop our manager, for 4-fund portfolio?
Replies: 42
Views: 3493

Re: Should we drop our manager, for 4-fund portfolio?

There are many ways to look at this. I'm not sure you need a manager, but if you want one, I think where you are at the price you are paying is fine. There's nothing wrong with this portfolio. Another way to look at it, if you (like many) plan to follow something close to a 4% withdrawal rate, you w...
by retiredjg
Mon Nov 12, 2018 8:52 am
Forum: Investing - Help with Personal Investments
Topic: First time invester, help needed please
Replies: 84
Views: 3867

Re: First time invester, help needed please

Would there be fees associated with moving my fidelity roth ira account to vanguard? Not sure if i'd want to do that/not sure if its worth it.. My blackrock stock is through blackrock themselves I think they charge something like $75 to close an IRA, but I'm not sure. There is no real need to move ...
by retiredjg
Mon Nov 12, 2018 8:49 am
Forum: Investing - Help with Personal Investments
Topic: First time invester, help needed please
Replies: 84
Views: 3867

Re: First time invester, help needed please

With that information in mind, I'm going to change my suggestion because there is no way to get new money into international stocks. Taxable at Fidelity 81.6% 60k + 44k moved from other custodian 55.6% Total Stock Index 26% Total International Stock Market Index 401k ..Current Value $18k 14.1% 0% 50...
by retiredjg
Mon Nov 12, 2018 8:25 am
Forum: Investing - Help with Personal Investments
Topic: Roth vs. Traditional for low tax bracket
Replies: 10
Views: 965

Re: Roth vs. Traditional for low tax bracket

While you are in this very low tax bracket, I think you should keep using more Roth than traditional, maybe even all Roth. Getting money into Roth status at 12% is a good deal. Also, I think it is likely that your taxable income in retirement may be more than your taxable income now because of all t...
by retiredjg
Sun Nov 11, 2018 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: First time invester, help needed please
Replies: 84
Views: 3867

Re: First time invester, help needed please

Another question I have is this...Wouldn't it be easier to put all of this into one account? Right now I have Vanguard (401k) Fidelity (Roth IRA, Personal) and BlackRock (MidCap)
You can't unless you move your Roth IRA and taxable account to Vanguard. That would work fine too.
by retiredjg
Sun Nov 11, 2018 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: First time invester, help needed please
Replies: 84
Views: 3867

Re: First time invester, help needed please

Ok. Thanks for the reply. This is what your current retirement portfolio looks like. It does not include your house savings or your emergency fund. The total = $127,500. All percentages below are based on this number. Notice that the portfolio adds up to 100%. Taxable at Fidelity 47.6% 60k 47.6% cas...
by retiredjg
Sun Nov 11, 2018 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: 401k fee if leaving company vs new company 401K
Replies: 2
Views: 173

Re: 401k fee if leaving company vs new company 401K

Yes, you can leave it. There might be an annual fee that will transfer to you once you leave. You should find out.
by retiredjg
Sun Nov 11, 2018 12:57 pm
Forum: Investing - Help with Personal Investments
Topic: Another 401(k) selection check
Replies: 2
Views: 151

Re: Another 401(k) selection check

Those are the same funds I would choose. If you have other accounts, you may not need to hold all 3 of these in this one account.
by retiredjg
Sun Nov 11, 2018 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: First time invester, help needed please
Replies: 84
Views: 3867

Re: First time invester, help needed please

Thank you. This is something we can work with. Roth IRA Fidelity Freedom 2055 ...Current value $5,500 This is the low cost index version of the Fidelity Freedom funds, right? Personal Account Fidelity Account (did not invest in anything yet) 60k What is this money for? If it is likely to be used for...
by retiredjg
Sun Nov 11, 2018 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: E. Jones/Vanguard and now Fisher Investments
Replies: 36
Views: 4650

Re: E. Jones/Vanguard and now Fisher Investments

4. The explained advantage, relative to a mutual fund portfolio is that there are no fund costs such as expense ratios, 121.bs etc. I do not believe it is possible not to charge an expense ratio as that is a cost that is "baked into" a mutual fund every trading day. In other words, if your fund is ...
by retiredjg
Sun Nov 11, 2018 10:22 am
Forum: Investing - Help with Personal Investments
Topic: First time invester, help needed please
Replies: 84
Views: 3867

Re: First time invester, help needed please

I didn't choose mid caps..that was chosen 20 years ago by my dad ...I'd like to forget the gm stock because that will be just "play money" Would you say it's best to change the mid caps? I have around 127k total..what I was thinking is around 17% in bonds So sell the 44k mid cap and bring it into a...
by retiredjg
Sun Nov 11, 2018 10:05 am
Forum: Investing - Help with Personal Investments
Topic: Please help with asset allocation - 63 yr old
Replies: 13
Views: 1678

Re: Please help with asset allocation - 63 yr old

Summerof 42, it's been a long time! Sorry I missed your post. Just a few comments. Tax Rate: 25% You are no longer in the 25% bracket. The tax changes would reduce you to the 22% bracket, but you are not there either. If your salary is $52,000 and you subtract the $12k standard deduction and subtrac...
by retiredjg
Sat Nov 10, 2018 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Savings Vehicle for Home Remodel
Replies: 5
Views: 476

Re: Savings Vehicle for Home Remodel

High yield savings, CD, money market, or short term bond fund if you are willing to take the risk of losing a little.
by retiredjg
Sat Nov 10, 2018 6:15 pm
Forum: Investing - Theory, News & General
Topic: Evaluating placement of international funds using actual data
Replies: 6
Views: 479

Re: Evaluating placement of international funds using actual data

I can't explain it but I can relate that every spring a few people here evaluate the tax-efficiency of their total stock index vs their total international index that they held in taxable the previous year. Sometimes they report that total stock was more tax-efficient. Sometimes they report their t...