Search found 62 matches

by RoxieII
Wed Mar 06, 2019 8:35 pm
Forum: Investing - Theory, News & General
Topic: muni bond tax cost
Replies: 6
Views: 1177

Re: muni bond tax cost

Bump to follow.
by RoxieII
Mon Mar 04, 2019 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Pension buyout, has this happened to anyone?
Replies: 15
Views: 2470

Re: Pension buyout, has this happened to anyone?

DH worked at a company for all of five years and became vested in their pension plan. Many years after he left the company they offered him a lump sum to cash out at a premium or to start his pension. My impression was they wanted to "get him off the books". In any event we did not receive the offer...
by RoxieII
Mon Mar 04, 2019 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: SWR As An After Tax Function
Replies: 21
Views: 1368

Re: SWR As An After Tax Function

Might there be a way to re-examine the whole SWR thing on an after tax basis? "Adjusting Withdrawal Rates For Taxes and Expenses" by Gordon B. Pye published in 2001. (The terrible images came that way from the original; no idea why they look so bad.) AlohaJoe, Likely you have studied this :beer ......
by RoxieII
Sun Mar 03, 2019 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: SWR As An After Tax Function
Replies: 21
Views: 1368

Re: SWR As An After Tax Function

[/quote]

A simple way to account for everything is to just tally up taxes with one's spending.
[/quote]

Taxes are just another expense and should be included in SR, even if not included in SR they would be included in WR.
by RoxieII
Sun Mar 03, 2019 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Roth conversion - $4 million in IRA and 401(k)?
Replies: 38
Views: 3173

Re: Roth conversion - $4 million in IRA and 401(k)?

What do the extended IORP and RPM calculators tell you when you load them with your information? You will be looking for a combination of the max spendable dollars plus a well positioned inheritance if that is part of the goal. I haven't found IORP very useful. Perhaps I'm not using it properly or ...
by RoxieII
Sun Mar 03, 2019 6:36 pm
Forum: Personal Investments
Topic: Tax-managed funds for ACA subsidies or Roth IRA Conversion Ladder
Replies: 15
Views: 1450

Re: Tax-managed funds for ACA subsidies or Roth IRA Conversion Ladder

As the penalty for non ACA plans is no longer being enforced it may be less expensive to go with a short term plan and that way you can start tax harvesting or Roth conversions. The OP's issue isn't the penalty, but the subsidy for exchange plans. If you go $1 over four times the poverty level, you...
by RoxieII
Sat Mar 02, 2019 10:08 pm
Forum: Personal Investments
Topic: Tax-managed funds for ACA subsidies or Roth IRA Conversion Ladder
Replies: 15
Views: 1450

Re: Tax-managed funds for ACA subsidies or Roth IRA Conversion Ladder

As the penalty for non ACA plans is no longer being enforced it may be less expensive to go with a short term plan and that way you can start tax harvesting or Roth conversions.
by RoxieII
Fri Mar 01, 2019 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Using the Time Value of Money Formula to Determine Withdrawals: Year 2000 Retiree Example
Replies: 148
Views: 13029

Re: Using the Time Value of Money Formula to Determine Withdrawals: Year 2000 Retiree Example

marcopolo wrote:
Thu Feb 28, 2019 9:52 pm

I do like the idea. I have been playing around a lot with the spread sheet that Siamond provided in another thread that allows one to combine this idea with other income streams coming on line at various times.
Can someone post the link to this spread sheet?

Thanks,
Rox
by RoxieII
Thu Feb 28, 2019 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 872
Views: 290806

Re: Retiree Portfolio Model

This is a wonderful tool. :beer
by RoxieII
Thu Feb 28, 2019 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Using the Time Value of Money Formula to Determine Withdrawals: Year 2000 Retiree Example
Replies: 148
Views: 13029

Re: Using the Time Value of Money Formula to Determine Withdrawals: Year 2000 Retiree Example

Any thoughts on how to adjust for the changes in portfolio, for example, a 20% drop?
by RoxieII
Wed Feb 27, 2019 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: Using the Time Value of Money Formula to Determine Withdrawals: Year 2000 Retiree Example
Replies: 148
Views: 13029

Re: Using the Time Value of Money Formula to Determine Withdrawals: Year 2000 Retiree Example

Hello, Not sure how this different than a PMT formula? $1,000,000 initial, interest rate of 3.1%, time period of 32 years equals an annual payment of $49,308. I did not run your other numbers. This is a hot topic for me right now and I created an excel spreadsheet around this, just three inputs: 1) ...
by RoxieII
Tue Feb 19, 2019 11:26 am
Forum: Personal Investments
Topic: Portfolio for young professional
Replies: 27
Views: 2784

Re: Portfolio for young professional

[/quote] That would be my approach. Simpler is often better. There's no end of tinkering we could all do with our portfolios. Most of the time it makes little difference, and when it does make a significant difference it's not necessarily for the better Since you are saving almost 60% of your income...
by RoxieII
Sun Feb 17, 2019 10:46 pm
Forum: Personal Investments
Topic: Portfolio for young professional
Replies: 27
Views: 2784

Re: Portfolio for young professional

Since you are saving almost 60% of your income you are heading to early financial independence and perhaps even an early retirement. If that's in your plans then you will want to add bonds before you quit. Let's say you quit early, have only stocks, need income, and the market is down. Ugh. You may ...
by RoxieII
Sun Feb 17, 2019 10:40 pm
Forum: Personal Investments
Topic: transferring janus roth to vanguard
Replies: 5
Views: 590

Re: transferring janus roth to vanguard

Well you could always transfer part of it this month and the rest of it next month or some other variation of dollar cost averaging.
by RoxieII
Sun Feb 17, 2019 10:20 pm
Forum: Investing - Theory, News & General
Topic: rebalancing during decumulation phase
Replies: 61
Views: 4879

Re: rebalancing during decumulation phase

It probably isn't perfectly optimal, but my preference would be to Live off of taxable and do tIRA to Roth conversions until taxable is gone. Live off of tIRa and Roth making tIRA withdrawals to match a target tax rate until tIRA is gone. Then do whatever, who cares. I'm heading this way too; but I...
by RoxieII
Sat Feb 16, 2019 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: What allocation of stocks and bonds for 3 or 4% SWR
Replies: 12
Views: 1371

Re: What allocation of stocks and bonds for 3 or 4% SWR

Hello
Try this link for a calculator to easily explore AA, expenses, and time period. It works great even on a phone!

https://retirementplans.vanguard.com/VG ... ggCalc.jsf

All the best,
Rox
by RoxieII
Sat Feb 16, 2019 10:13 pm
Forum: Personal Investments
Topic: Early retirement savings withdrawal strategy check-up
Replies: 11
Views: 2451

Re: Early retirement savings withdrawal strategy check-up

Anon E. Moose, i-orp is a good start. When you are comfortable with it try Retiree Portfolio Model. It's here in the Bogleheads Wiki and you can plug in and play with different scenarios to see various effects. No easy decisions...we are in a similar place and in running RPM small changes will have ...
by RoxieII
Mon Feb 04, 2019 3:30 pm
Forum: Investing - Theory, News & General
Topic: Variable Percentage Withdrawal (VPW)
Replies: 964
Views: 328276

Re: Variable Percentage Withdrawal (VPW)

To longinvest and all who have contributed to this and many other threads on withdrawal strategies, THANK YOU! Do you mind if I ask, do I understand VPW? :) It seems like such an outlier. Maybe this is too simple but is this really the inverse of the Taylor method? VPW is start higher and drop back ...
by RoxieII
Thu Dec 20, 2018 2:33 pm
Forum: Personal Investments
Topic: Retired FIRE, looking for help
Replies: 3
Views: 1014

Re: Retired FIRE, looking for help

Thanks ExitStageLeft and GmanJeff for your comments. I ran the numbers in FreeTaxUSA.com and it looks like if we do nothing we will owe $285 on taxes. Not really taxes more a small payback of the subsidy. • If we sell the Vanguard Managed before it pays capital gains we will get a refund of $2,235, ...
by RoxieII
Wed Dec 19, 2018 1:35 pm
Forum: Personal Investments
Topic: Retired FIRE, looking for help
Replies: 3
Views: 1014

Retired FIRE, looking for help

Hello Bogleheads, We received some good advice in the past and were pretty content for the last five years, but current market movements and changes in health care may have opened up some windows to further consolidate and simplify things. So here goes: Emergency funds: Yes Debt: None Tax Filing Sta...
by RoxieII
Tue Dec 19, 2017 10:33 pm
Forum: Personal Investments
Topic: Help with Stock - No Ticker
Replies: 8
Views: 1146

Re: Help with Stock - No Ticker

Book entry? :beer
by RoxieII
Tue Dec 19, 2017 2:35 am
Forum: Personal Consumer Issues
Topic: Personal finance book/blog recommendation for high school graduation
Replies: 6
Views: 751

Re: Personal finance book/blog recommendation for high school graduation

Richest Man in Babylon by George Clason. Timeless, easy read, and good basic advice.
by RoxieII
Tue Dec 19, 2017 2:14 am
Forum: Personal Investments
Topic: Help with Stock - No Ticker
Replies: 8
Views: 1146

Re: Help with Stock - No Ticker

Will Telus go old school and issue a certificate?
by RoxieII
Wed Mar 16, 2016 12:39 pm
Forum: Personal Investments
Topic: ? on Return of Capital Taxation for Vanguard Managed Payout Fund- Update
Replies: 14
Views: 1755

Re: ? on Return of Capital Taxation for Vanguard Managed Payout Fund- Update

After waiting for other documents, finally worked on my taxes and put more effort into this. Am posting this update on the taxation of Vanguard Managed Payout Fund VPGDX for my benefit (today and next year) as well as for any questions or comments from others. Monthly Dividends Actual ~$14,204.64 Es...
by RoxieII
Thu Dec 31, 2015 12:35 pm
Forum: Personal Investments
Topic: ? on Return of Capital Taxation for Vanguard Managed Payout Fund- Update
Replies: 14
Views: 1755

Re: ? on Return of Capital Taxation for Vanguard Managed Payout Fund- Update

As I read this page , the Managed Payout fund distributed a total of $1.4568 per share. The estimated breakdown is $0.3324 or 22.8% long term capital gains, $0.19788 or 13.6% dividends, $0.92652 or 63.6% return of capital. So $10,000 of total distributions would breakdown as $2280 LTCG, $1360 divid...
by RoxieII
Thu Dec 31, 2015 10:17 am
Forum: Personal Investments
Topic: Confirming Health Savings Admin New Requirements
Replies: 5
Views: 978

Re: Confirming Health Savings Admin New Requirements

The new paperwork for a new custodian is pretty standard. Can't really blame the new custodian for wanting the information on their own forms and in their own format, but still annoying. Let's hope that they do not keep changing custodians on a regular basis.
by RoxieII
Thu Dec 31, 2015 10:03 am
Forum: Personal Investments
Topic: ? on Return of Capital Taxation for Vanguard Managed Payout Fund- Update
Replies: 14
Views: 1755

Re: ? on Return of Capital Taxation for Vanguard Managed Payout Fund

Hello, Thought I would post an update. Breakdown of Dividends Estimate by Vanguard on December 21, 2015: 44% for Ordinary Income and 56% for Return of Capital Updated by Vanguard on December 29, 2015: 28% for Ordinary Income and 72% for Return of Capital Breakdown of Capital Gain Estimate by Vanguar...
by RoxieII
Thu Dec 24, 2015 12:57 pm
Forum: Personal Investments
Topic: ? on Return of Capital Taxation for Vanguard Managed Payout Fund- Update
Replies: 14
Views: 1755

Re: ? on Return of Capital Taxation for Vanguard Managed Payout Fund

Thanks FactualFran and what enlightening links. The fund estimated return of capital of 24% and came in at 6.06%, so performance came in much better than was expected for 2014, but if one were using those numbers to estimate taxes one would have underestimated taxes. Should I assume a worst case sce...
by RoxieII
Thu Dec 24, 2015 10:47 am
Forum: Personal Investments
Topic: 4% fixed and/or Total Bond Market split question
Replies: 18
Views: 2508

Re: 4% fixed and/or Total Bond Market split question

True, but if interest rates rise than the bond fund will fall. You can check the duration of the fund to see the level of exposure to interest rates.
by RoxieII
Thu Dec 24, 2015 10:40 am
Forum: Personal Investments
Topic: ? on Return of Capital Taxation for Vanguard Managed Payout Fund- Update
Replies: 14
Views: 1755

Re: ? on Return of Capital Taxation for Vanguard Managed Payout Fund

Thank you Grabiner. Yes, it will be on the 1099 in January, but am looking at some year end changes and wanting to figure it out before then. It seems to me that I have enough information to figure it out, just need to know which things will go into which boxes, ie box 1a of 1099 will be? etc. Thank...
by RoxieII
Tue Dec 22, 2015 3:06 pm
Forum: Personal Investments
Topic: ? on Return of Capital Taxation for Vanguard Managed Payout Fund- Update
Replies: 14
Views: 1755

Re: ? on Return of Capital Taxation for Vanguard Managed Payout Fund

dbr,
Thanks for the speedy response. The actual numbers are total of monthly distributions $14,204.64 from 20,097.130 shares held throughout the year.

Thanks,
RoxieII
by RoxieII
Tue Dec 22, 2015 2:50 pm
Forum: Personal Investments
Topic: ? on Return of Capital Taxation for Vanguard Managed Payout Fund- Update
Replies: 14
Views: 1755

? on Return of Capital Taxation for Vanguard Managed Payout Fund- Update

Hello, Am trying to under the taxation for the Vanguard Managed Payout Fund, VPGDX. Per the Vanguard site : ------------------------------------------------------------------- Estimated breakdown of 2015 monthly distributions: Ordinary income 44% Long-term capital gains 0% Return of capital 56% Esti...
by RoxieII
Sat Jan 24, 2015 2:41 am
Forum: Personal Consumer Issues
Topic: Downsize, Reduce, Simplify.
Replies: 93
Views: 20184

Re: Downsize, Reduce, Simplify.

WormWood, Another good question and good responses already. We retired early and downsized our space to less than half of what we had all in the same year and found exactly what you are looking at, more time to volunteer and get outside and be active. We worked for several months at getting rid of t...
by RoxieII
Tue Jan 20, 2015 2:11 pm
Forum: Investing - Theory, News & General
Topic: What was your costliest investment mistake?
Replies: 162
Views: 36430

Re: What was your costliest investment mistake?

Invested in a company stock purchase plan that let employees buy at a 5% discount. Left the company and let the account sit.
Several years later the very large, very well known company closed. Bye, bye 50 grand.
by RoxieII
Sun Jan 18, 2015 11:11 pm
Forum: Personal Investments
Topic: Looking for advice / total financial picture
Replies: 5
Views: 1770

Re: Looking for advice / total financial picture

3. Are we properly insured? When are we ready / or how should we use security generated by excess emergency funds to raise deductibles and lower insurance rate? 4. Are our retirement goals on track? Should we save more? Hello Atomic, Duckie has done almost all the lifting and here are two more cent...
by RoxieII
Sun Jan 18, 2015 10:07 pm
Forum: Personal Investments
Topic: Late-to-the-gate -- need some guidance
Replies: 10
Views: 1874

Re: Late-to-the-gate -- need some guidance

Elsbern, My suggestion is for you to post the percent you have in each of those funds and give the titling. For example, Roth IRA 10% in Vanguard Wellington, Expense Ratio xx%, symbol xxxxx. There is a template for you to follow on the Help for Personal Investments Advice tab. (I am not savy enough ...
by RoxieII
Fri Jan 16, 2015 9:07 pm
Forum: Personal Investments
Topic: Portfolio Checkup?
Replies: 11
Views: 1435

Re: Portfolio Checkup?

tqb,

Looks pretty darn good to me. Only in the spirit of giving you a challenge, you might want to look at what percent of your income you are saving for retirement, look at what age you want to be financially independent and see if you are on track.

All the best,
RoxieII
by RoxieII
Fri Jan 16, 2015 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Beneficiary in a joint bank account
Replies: 3
Views: 664

Re: Beneficiary in a joint bank account

You need to know if it is JTWROS or JTIC.

In joint tenants with rights of survivorship all goes to the survivor. This type is more common.

In joint tenants in common the part that belongs to the deceased goes to their estate.
by RoxieII
Fri Jan 16, 2015 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Overcoming the Fear of New Risk?
Replies: 7
Views: 1058

Re: Overcoming the Fear of New Risk?

Are you thinking of leaving your government job or just doing something outside the box in addition? This can help determine the level of new risk.
by RoxieII
Fri Jan 16, 2015 9:07 am
Forum: Personal Investments
Topic: Late-to-the-gate -- need some guidance
Replies: 10
Views: 1874

Re: Late-to-the-gate -- need some guidance

Elsbern, $300,000 plus $25,000 a year for eight years at 7% grows to $771,950 nine years would be $850,987 ten years would be $935,556 That puts you in the ballpark for your goals. You may / may not get 7%, but it is a starting reference point. Too bad DH is not more involving, but I applaud you for...
by RoxieII
Wed Jan 14, 2015 11:31 pm
Forum: Personal Investments
Topic: New [forum] member - Investment check up and questions
Replies: 6
Views: 1010

Re: New [forum] member - Investment check up and questions

2.Should we be investing cash in taxable accounts? What if we are able to retire early - can't touch any of our current portfolio. 3)I have been told not to invest in equities for goals that are less than 5 years out, but what about 10? With interest rates where they are I hate having so much cash ...
by RoxieII
Wed Jan 14, 2015 8:41 pm
Forum: Investing - Theory, News & General
Topic: Am I making a mistake being too conservative?
Replies: 58
Views: 10050

Re: Am I making a mistake being too conservative?

[quote="jnet2000Over the last few months, I hit some major goals by my mid 30s. My portfolio broke the 7 figure mark and I paid off my mortgage. I am officially debt free and plan to never go into debt again. However, I just need to run my idea by you to make sure I am making a good education decisi...
by RoxieII
Wed Jan 14, 2015 8:23 pm
Forum: Personal Consumer Issues
Topic: Retirees: Do you work part-time for pay?
Replies: 58
Views: 8218

Re: Retirees: Do you work part-time for pay?

We both volunteer for about 15 hours a week in the winter in state parks and that gives us lot rent, electricity and water for free. We are frugal, retired snow birds. No money to us, but it saves us money and we enjoy helping out the parks.
by RoxieII
Wed Jan 14, 2015 7:50 pm
Forum: Personal Investments
Topic: Finally joined the two comma club
Replies: 42
Views: 8047

Re: Finally joined the two comma club

vv,
Congrats on your four year journey and arrival at the first port. I have no doubt you will achieve your next port of call.
by RoxieII
Mon Jan 12, 2015 3:32 pm
Forum: Personal Investments
Topic: What is your opinion of this strategy?
Replies: 28
Views: 2244

Re: What is your opinion of this strategy?

My wife and I were talking about investing last night and she proposed a new strategy for me to consider. We are both 29 years old and make about 180-200k combined a year. We are currently maxing our tax-deferred accounts with an AA of 70/30, which comes to about 46k per year. Instead of investing ...
by RoxieII
Mon Jan 12, 2015 3:21 pm
Forum: Personal Investments
Topic: Getting out of Edward Jones ...
Replies: 28
Views: 5264

Re: Getting out of Edward Jones ...

Hello and thank you for any advice you may give. 6. It seems I need to make every effort to shift as much money away from taxable accounts as I can. Any ideas beyond Roth IRAs? Thanks so much! Bananastand Bananastand, If you have a HDHP with an HSA you can shelter 6,550 for last year. If not, check...
by RoxieII
Mon Jan 12, 2015 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Poll - How much is enough / what's your number?
Replies: 79
Views: 11895

Re: Poll - How much is enough / what's your number?

Inflation ~ one more year is now one more million.