Search found 34087 matches

by retiredjg
Fri Nov 16, 2018 7:38 pm
Forum: Investing - Help with Personal Investments
Topic: Traditional IRA rollover to 403b witholding amount
Replies: 13
Views: 247

Re: Traditional IRA rollover to 403b witholding amount

If all your contributions were non-deductible, the IRA now contains non-deductible contributions and earnings from those contributions that have not yet been taxed. The non-deductible part CANNOT be rolled to the 403b. The earnings , which are pre-tax, can be rolled to the 403b if the plan will acce...
by retiredjg
Fri Nov 16, 2018 7:18 pm
Forum: Personal Consumer Issues
Topic: which snow blower ?
Replies: 39
Views: 1570

Re: which snow blower ?

Thanks. :happy
by retiredjg
Fri Nov 16, 2018 6:59 pm
Forum: Personal Consumer Issues
Topic: which snow blower ?
Replies: 39
Views: 1570

Re: which snow blower ?

So, if it has only one, is it the auger or the impeller or could it be either one?
by retiredjg
Fri Nov 16, 2018 6:32 pm
Forum: Investing - Help with Personal Investments
Topic: Traditional IRA rollover to 403b witholding amount
Replies: 13
Views: 247

Re: Traditional IRA rollover to 403b witholding amount

OP here. I would like to confirm that this TIRA is non deductible and funded with after tax dollars. In speaking with my employer 403b plan administrator, I cannot roll over any after tax TIRA funds into this account since it is after tax dollars. That is correct. If all your contributions were non...
by retiredjg
Fri Nov 16, 2018 6:26 pm
Forum: Personal Consumer Issues
Topic: which snow blower ?
Replies: 39
Views: 1570

Re: which snow blower ?

What does "stage" mean when discussing snowblowers?
by retiredjg
Fri Nov 16, 2018 6:17 pm
Forum: Investing - Theory, News & General
Topic: Reasonable Expense Ratio for Target Date Funds?
Replies: 5
Views: 222

Re: Reasonable Expense Ratio for Target Date Funds?

What's a reasonable ER for a TDF in the Boglehead view? I think the Vanguard TDFs are a pretty good deal, .15 for VTTHX for example. Other TDFs (like the one's in my 401k) are more like .5 and seem kinda pricey for what you get? Curious what the BH's think. I would not pay .5% for a target fund if ...
by retiredjg
Fri Nov 16, 2018 5:47 pm
Forum: Investing - Help with Personal Investments
Topic: Help With Backdoor Roth
Replies: 18
Views: 999

Re: Help With Backdoor Roth

Sorry, now I have another question. So I did the backdoor Roth - now I have a tIRA with $0 and Roth with $5500. Let's say I lost my job before the end of the year and wanted to roll over my employer 401k into a tIRA. Will this be an issue, since the rollover to tIRA happened after the previous $550...
by retiredjg
Fri Nov 16, 2018 8:53 am
Forum: Personal Consumer Issues
Topic: Home sale etiquette: wall repair
Replies: 43
Views: 1904

Re: Home sale etiquette: wall repair

Leave it unless they requested (in the contract) that the holes are patched.

This is normal wear and tear and will get fixed when they paint.
by retiredjg
Fri Nov 16, 2018 8:15 am
Forum: Investing - Help with Personal Investments
Topic: Help With Backdoor Roth
Replies: 18
Views: 999

Re: Help With Backdoor Roth

OP here - if I roll my wife's tIRA into her t401k this year, can she still do the backdoor Roth this calendar year, or would we need to wait until 2019 to avoid any complications? I'm going to give you a different answer. I don't disagree with FiveK, but there are only 5 weeks left in this year and...
by retiredjg
Thu Nov 15, 2018 9:13 pm
Forum: Investing - Help with Personal Investments
Topic: Should we drop our manager, for 4-fund portfolio?
Replies: 49
Views: 4128

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

A wide range of opinions might mean that nobody knows or that it does not make a great deal of difference. International bonds - Vanguard is fond of diversifying with international bonds. Their standard portfolio contains international bonds. Their international bond fund is likely a good one and pr...
by retiredjg
Thu Nov 15, 2018 5:46 pm
Forum: Investing - Help with Personal Investments
Topic: Should we drop our manager, for 4-fund portfolio?
Replies: 49
Views: 4128

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

PS, the FTSE fund is fine, but does not contain the small caps. That would matter to some people but it matters little in terms of performance.
by retiredjg
Thu Nov 15, 2018 5:44 pm
Forum: Investing - Help with Personal Investments
Topic: Should we drop our manager, for 4-fund portfolio?
Replies: 49
Views: 4128

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

Here is what I'm thinking. If you buy a Vanguard fund or ETF at Schwab, there will be a transaction fee. I don't know how much it is and it may be different for a mutual fund vs an ETF. When you can get what you want with no fee at all, that is better. Fees are costs and keeping costs low is importa...
by retiredjg
Thu Nov 15, 2018 8:51 am
Forum: Investing - Help with Personal Investments
Topic: Should we drop our manager, for 4-fund portfolio?
Replies: 49
Views: 4128

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

Lazareth wrote:
Wed Nov 14, 2018 7:58 pm
15.00% Vanguard FTSE All-Wld ex-US Idx Inv (VFWIX)
30.00% Schwab Total Stock Market Index (SWTSX)
5.00% Schwab US REIT ETF (SCHH)
50.00% Schwab US Aggregate Bond ETF (SCHZ)
I think the portfolio is fine, but why the Vanguard international fund? And why that one?
by retiredjg
Wed Nov 14, 2018 6:58 pm
Forum: Personal Consumer Issues
Topic: Dumb question about bedding and comforters
Replies: 20
Views: 1627

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: 15
Views: 767

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: 20
Views: 1211

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: 8
Views: 740

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: 20
Views: 1211

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: 49
Views: 4128

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: 254

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: 92
Views: 11775

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: 88
Views: 4110

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: 2601

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: 49
Views: 4128

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: 88
Views: 4110

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: 88
Views: 4110

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: 414

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: 49
Views: 4128

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: 414

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: 589

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: 589

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: 208

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: 589

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: 88
Views: 4110

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: 49
Views: 4128

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: 49
Views: 4128

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: 88
Views: 4110

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: 88
Views: 4110

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: 88
Views: 4110

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: 88
Views: 4110

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: 88
Views: 4110

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: 88
Views: 4110

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: 1425

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: 2604

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: 2601

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: 49
Views: 4128

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: 88
Views: 4110

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: 88
Views: 4110

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: 88
Views: 4110

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: 49
Views: 4128

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...