Search found 20 matches

by jenig0013
Thu Jul 12, 2018 12:31 am
Forum: Investing - Help with Personal Investments
Topic: What should I do with my taxable account?
Replies: 9
Views: 2055

Re: What should I do with my taxable account?

Thanks so much Duckie. This is super helpful. The last 20k is from a cash balance retirement I have from a previous job, I think it’s guaranteed 6% interest, but I’m waiting to get a statement from that account.
by jenig0013
Mon Jul 09, 2018 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: What should I do with my taxable account?
Replies: 9
Views: 2055

Re: What should I do with my taxable account?

Thanks all. That’s what I was thinking. And I agree with bloom, we have way to many funds in some of these and I’d like to move to 1-2 funds/account and maybe 4 funds total in the portfolio. So I’d been contributing monthly to the taxable for about two years up until March - do you suggest I wait un...
by jenig0013
Sun Jul 08, 2018 10:28 pm
Forum: Investing - Help with Personal Investments
Topic: What should I do with my taxable account?
Replies: 9
Views: 2055

What should I do with my taxable account?

Thanks for the feedback to change to the template for asking portfolio questions. Here's our situation: Question (1) What should I put in taxable account? Considering putting exclusively bonds to try to balance our portfolio to more 15% bonds (we seem a little stock heavy but that sounds controversi...
by jenig0013
Wed Jul 04, 2018 2:52 pm
Forum: Investing - Help with Personal Investments
Topic: Having a hard time with allocation (newer investor)
Replies: 2
Views: 475

Having a hard time with allocation (newer investor)

Thanks so much for all the wisdom on here. I'm 34, husband is 37. This here I'd like to make some changes to our retirement investments . . . this is what we have so far. Total retirement portfolio is around 315k. Would like to simplify and make sure I'm balanced the way I want to be . . . 85/15% wi...
by jenig0013
Mon Jul 02, 2018 8:15 am
Forum: Investing - Help with Personal Investments
Topic: Husband's job finally has a 401k offering with unusual funds
Replies: 29
Views: 2254

Re: Husband's job finally has a 401k offering with unusual funds

No match :( he works for a nonprofit and I was happy to see that we had a 401k at all this year. So, recognizing these funds have pretty high ERs, would you recommend NOT maxing it out? I currently max out my 401k, we did the small backdoor Roth for me (he has too many rollover IRAs to make it worth...
by jenig0013
Sun Jul 01, 2018 11:55 pm
Forum: Investing - Help with Personal Investments
Topic: Husband's job finally has a 401k offering with unusual funds
Replies: 29
Views: 2254

Re: Husband's job finally has a 401k offering with unusual funds

Forgot a few mid caps:

JPMorgan Mid Cap Value Fund - Class R2 1.5%
Nationwide Mid Cap Market Index Fund .96%
Eaton Vance Atlanta Capital SMID Cap Fund 1.44%
Nuveen Small Cap Value Fund - Class R3 1.45%
Wells Fargo Special Small Cap Value Fund - Class R 1.58%
by jenig0013
Sun Jul 01, 2018 11:49 pm
Forum: Investing - Help with Personal Investments
Topic: Husband's job finally has a 401k offering with unusual funds
Replies: 29
Views: 2254

Re: Husband's job finally has a 401k offering with unusual funds

nvesco Stable Asset Fund 1.08% Lord Abbett Short Duration Income Fund - Class R3 0.89% Eaton Vance Government Opportunities Fund - Class R 1.38% JPMorgan Government Bond Fund - Class R2 1.1% PGIM Total Return Bond Fund - Class R 1.01% Lord Abbett Bond Debenture Fund - Class R3 1.1% Lord Abbett High ...
by jenig0013
Sun Jul 01, 2018 11:06 pm
Forum: Investing - Help with Personal Investments
Topic: Husband's job finally has a 401k offering with unusual funds
Replies: 29
Views: 2254

Re: Husband's job finally has a 401k offering with unusual funds

Well Jalbert answered one questions for me - I was just going to look at each fund's site to determine ER. Will look into his 401k paperwork to see what the ERs are and will post them.
by jenig0013
Sun Jul 01, 2018 9:01 pm
Forum: Investing - Help with Personal Investments
Topic: Husband's job finally has a 401k offering with unusual funds
Replies: 29
Views: 2254

Husband's job finally has a 401k offering with unusual funds

Hi all - hoping for a little help with husband's 401k. His employer started offering one for the first time this year. The funds are listed below - anyone have any recommendations? Simpler is better but we like both the all-in-one type approach as well as the 3-fund or 4-fund approach . . . thanks f...
by jenig0013
Tue Mar 13, 2018 2:17 pm
Forum: Investing - Help with Personal Investments
Topic: Where to park non-deductible IRA before backdoor conversion?
Replies: 3
Views: 583

Where to park non-deductible IRA before backdoor conversion?

Hi smart people! So planning to do the backdoor Roth conversion for the first time this year. I don't have the cash on hand to put all $5500 into the non-deductible traditional IRA (just bought a house two weeks ago), so I was planning on sending $1375/month over the next four months. Should I (a) s...
by jenig0013
Sun Jul 09, 2017 1:46 pm
Forum: Investing - Help with Personal Investments
Topic: Two ?s: is backdoor Roth worthwhile and should I roll IRA into new 401k
Replies: 2
Views: 460

Re: Two ?s: is backdoor Roth worthwhile and should I roll IRA into new 401k

Hi celia - First, husband has about a rollover and a traditional IRA with a combined amount of about $60k, so he hasn't done any backdoor Roths and generally has the same problem I do. Most of my 401k options are TDR funds, but you're right, I just noticed that there's other options in there (like V...
by jenig0013
Sun Jul 09, 2017 12:19 am
Forum: Investing - Help with Personal Investments
Topic: Two ?s: is backdoor Roth worthwhile and should I roll IRA into new 401k
Replies: 2
Views: 460

Two ?s: is backdoor Roth worthwhile and should I roll IRA into new 401k

I so appreciate all the awesome advice on this forum. Two questions for you smart people here: Married in my early 30s. These are the following retirement accounts I have: These are all Fidelity Rollover IRA about $82k (10k in FLBIX, 26k in FSGDX, 47k in FSTVX) 403(b) from my old job $65k (invested ...
by jenig0013
Sun May 29, 2016 7:11 am
Forum: Investing - Help with Personal Investments
Topic: Rollover or stay put for now
Replies: 4
Views: 760

Re: Rollover or stay put for now

Thanks guys! I'll take a look and see what the options are for next year ..
by jenig0013
Tue May 17, 2016 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: Rollover or stay put for now
Replies: 4
Views: 760

Rollover or stay put for now

So I recently left a job with a TSA (that's what it's called, seems similar to 403b). Only options are Fidelity Target Retirement Date funds. It's about $55k. I have an old rollover about $75k. I cannot access my current employers 401k until next June. Should I roll this over and put it into Spartan...
by jenig0013
Wed Apr 06, 2016 9:55 pm
Forum: Investing - Help with Personal Investments
Topic: Not able to deduct my tIRA contributions so . . .
Replies: 3
Views: 566

Re: Not able to deduct my tIRA contributions so . . .

Grabiner I think that's what we are hoping for with my husband's 401k if/when it ever materializes.

mhc we may be eligible for an HSA (we currently have insurance through my husband's job but could look at the HDPs through my current employer). What you recommend as a taxable account?
by jenig0013
Tue Apr 05, 2016 8:34 pm
Forum: Investing - Help with Personal Investments
Topic: Not able to deduct my tIRA contributions so . . .
Replies: 3
Views: 566

Not able to deduct my tIRA contributions so . . .

Hi all, thanks in advance for your advice! So I'm taking a new job where I cannot access the 401k until July 2017. My husband also currently does not have a 401k at his job (but his employer is ever-so-slowly working on getting one). I left a job in March that did have a 401k, so my understanding is...
by jenig0013
Tue Apr 05, 2016 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Left job with 401k, now have an IRA
Replies: 5
Views: 861

Re: Left job with 401k, now have an IRA

Hi guys, Thanks for the advice, and sorry for the delayed follow-up. Yes, he has a rollover IRA. I believe that this is the first year that he has made non-deductible IRA contributions. DSInvestor, where would you recommend he move his non-deductible IRA contributions to in order to avoid tracking t...
by jenig0013
Mon Dec 21, 2015 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: Left job with 401k, now have an IRA
Replies: 5
Views: 861

Left job with 401k, now have an IRA

So my husband changed his job this year. First job had a 401k to which we contributed, current job has no 401k so he contributes to a traditional IRA. I have a 401k at my work. We make too much to qualify for a Roth. We make too much to deduct our IRA contributions in general. I have looked at a bac...
by jenig0013
Sat Aug 02, 2014 11:09 pm
Forum: Investing - Help with Personal Investments
Topic: First post: accidentally set up a Roth IRA
Replies: 5
Views: 959

First post: accidentally set up a Roth IRA

So I started a new job last year and set up a Roth IRA. So I've been contributing weekly and noted that this year we won't qualify for a Roth this year (and I'm a little suspicious about last year). What are my options at this point? The Roth is with Fidelity, and I'm assuming that I can call them t...