Search found 68 matches

by calimero
Sat Dec 07, 2019 12:08 pm
Forum: Personal Investments
Topic: Backdoor Roth IRA limit this year?
Replies: 10
Views: 709

Re: Backdoor Roth IRA limit this year?

So, the primary reason for putting money after-tax into to 401k is to convert that after-tax 401k contribution to an IRA and then to roth-IRA? Or directly to roth IRA?
by calimero
Fri Dec 06, 2019 8:19 pm
Forum: Personal Investments
Topic: Backdoor Roth IRA limit this year?
Replies: 10
Views: 709

Re: Backdoor Roth IRA limit this year?

ok. but in practical terms it is 6k.For somebody that maxes out 401k and has otherwise no IRA. Having any balance (other than short term for backdoor) in an IRA outside of 401k woudl not make sense.
I guess one could contribute for 10 years 10k into an IRA and then convert?
by calimero
Fri Dec 06, 2019 6:46 pm
Forum: Personal Investments
Topic: Backdoor Roth IRA limit this year?
Replies: 10
Views: 709

Backdoor Roth IRA limit this year?

Is the backdoor Roth IRA limit still $5500?
by calimero
Sun Feb 10, 2019 7:45 pm
Forum: Personal Investments
Topic: Can soemone recommend a total market ETF or fund
Replies: 8
Views: 969

Re: Can soemone recommend a total market ETF or fund

thanks. This is US only? Is there one that also has some international component? VT If this a troll post?:) Not intent. Just had a quick look here and it states 0.87% international. https://www.morningstar.com/etfs/arcx/vti/betaquote.html Is this because they got out of international and will move...
by calimero
Sun Feb 10, 2019 7:18 pm
Forum: Personal Investments
Topic: Can soemone recommend a total market ETF or fund
Replies: 8
Views: 969

Re: Can soemone recommend a total market ETF or fund

thanks. This is US only? Is there one that also has some international component?
by calimero
Sun Feb 10, 2019 7:15 pm
Forum: Personal Investments
Topic: Can soemone recommend a total market ETF or fund
Replies: 8
Views: 969

Can soemone recommend a total market ETF or fund

Hi,

I am looking an autopilot ETF or funds to put in $100k. I woudl do so in tranches.
The idea is to find a low cost ETF or fund that invests in a broad market, representing a good diversification of mix for a 10 year old.
by calimero
Thu Sep 27, 2018 7:37 am
Forum: Personal Investments
Topic: Looking for advice on whether to participate in Deferred Compensation Plan
Replies: 18
Views: 2236

Re: Looking for advice on whether to participate in Deferred Compensation Plan

After looking at all the input I believe the following guidelines seem to make sense:
- deferring only above $185k in order not to affect 401k
- only with sable company
- up to 20% of net worth

The wildcard: gambling that ones tax rate will be indeed lower in retirement
by calimero
Tue Sep 25, 2018 9:57 am
Forum: Personal Investments
Topic: Looking for advice on whether to participate in Deferred Compensation Plan
Replies: 18
Views: 2236

Re: Looking for advice on whether to participate in Deferred Compensation Plan

The company offers a certain match on DCP. I guess I wouldneed to optimize DCP contribution so that the remaining 401k income woudl stay high enough to allow $18.5K 401K contribution? I don't quite understand your statement/question. Could you clarify a little more? A contribution to a DCP plan wil...
by calimero
Tue Sep 25, 2018 8:11 am
Forum: Personal Investments
Topic: Looking for advice on whether to participate in Deferred Compensation Plan
Replies: 18
Views: 2236

Re: Looking for advice on whether to participate in Deferred Compensation Plan

One question I have not seen brought up is the question of matching, as you framed this as a supplemental 401k. If you are a HCE, I'm guessing you may hit the federal 401k contribution limits ($18.5k) prior to end of year if you set your contributions to receive the max employer match each month. I...
by calimero
Sun Sep 23, 2018 9:18 pm
Forum: Personal Investments
Topic: Looking for advice on whether to participate in Deferred Compensation Plan
Replies: 18
Views: 2236

Re: Looking for advice on whether to participate in Deferred Compensation Plan

How old are you now? 48 (btw. double earners 44) When do you anticipate retiring? Tough question at this point. - 55 - 60 max Do you expect to stay with your current employer all the way until retirement? - not sure. But most of the DCP would not trigger. I made a mistake in one year that woudl trig...
by calimero
Sun Sep 23, 2018 8:59 pm
Forum: Personal Investments
Topic: Looking for advice on whether to participate in Deferred Compensation Plan
Replies: 18
Views: 2236

Looking for advice on whether to participate in Deferred Compensation Plan

Hi, My employer offers a deferred compensation plan (DCP), supplemental to 401k. I am looking for advice, thoughts on whether or not to participate in deferred compensation plan. I have participated in the past for a couple of years and stopped. I became eligible again and trying to think through th...
by calimero
Sat Dec 16, 2017 12:56 pm
Forum: Personal Investments
Topic: Backdoor Roth IRA conversion - still a good idea?
Replies: 10
Views: 1667

Re: Backdoor Roth IRA conversion - still a good idea?

any changes for this year. Still a good idea?
by calimero
Mon May 22, 2017 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: How to buy (or invest) into Bitcoin?
Replies: 36
Views: 6642

How to buy (or invest) into Bitcoin?

I like to stay abreast and understand how to buy, sell, use BitCoins.
What some easy ways to do so?

In case I want to speculate are the meanwhile ETF's or so. I understand that this could be almost like gambling.
by calimero
Sun May 21, 2017 6:51 pm
Forum: Personal Consumer Issues
Topic: ebates experiences - what downsides?
Replies: 13
Views: 2057

ebates experiences - what downsides?

We started using ebates as a trial. I am just wondering what the downsides are? The basic business model for ebates is to get a referral fee from the store and shares some of it with the customer. However, this seems to be to good to be true....and a strange business model since ebate really doesn't...
by calimero
Sun Dec 11, 2016 2:23 pm
Forum: Personal Investments
Topic: Backdoor Roth IRA conversion - still a good idea?
Replies: 10
Views: 1667

Re: Backdoor Roth IRA conversion - still a good idea?

Why would there be a problem a taxpayer reporting? Are there some that experienced issues?
by calimero
Sun Dec 11, 2016 1:09 pm
Forum: Personal Investments
Topic: Backdoor Roth IRA conversion - still a good idea?
Replies: 10
Views: 1667

Re: Backdoor Roth IRA conversion - still a good idea?

same question for 2016. Can we still do the $5500 backdoor Roth IRA conversion?
by calimero
Sun May 08, 2016 7:38 am
Forum: Personal Investments
Topic: Best bank for Home owners association banking
Replies: 10
Views: 4655

Re: Best bank for Home owners association banking

How about CapitalOne smallbiz? https://www.capitalone.com/small-business-bank/savings-cds/online-savings-account/?Log=1&EventType=Link&ComponentType=T&LOB=MTS%3A%3ALVFX4215&PageName=Small+Business+Bank+Homepage&PortletLocation=4%3B16-col%3B3-1-1-1-2-1&ComponentName=nsb-spark-business-savings%3B28&Co...
by calimero
Sat May 07, 2016 11:08 am
Forum: Personal Investments
Topic: Best bank for Home owners association banking
Replies: 10
Views: 4655

Best bank for Home owners association banking

Our HOA is currently using a local bank for both a checking and the savings/reserves. Obviously, interest rates are not great at the moment anyhow. However, we actually loose money with interest minus fees. They charge fees for a report on checks paid!! Online bank Ally doesn't do HOA. Has anyone co...
by calimero
Sun Jan 03, 2016 4:59 pm
Forum: Personal Investments
Topic: Robo Services vs. Stratgy ETF vs. ?
Replies: 4
Views: 872

Robo Services vs. Stratgy ETF vs. ?

I am looking for an option to invest into the market with automatic rebalancing. If I understand my initial research correctly I believe that my choices are a Strategy ETF, one of the RoboServices, or one of the brokerage services Brokerage services Schwab Intelligent Portfolios: no fees Amerivest: ...
by calimero
Sun Dec 20, 2015 11:10 am
Forum: Personal Investments
Topic: What kind of fund for a Roth IRA - autopilot
Replies: 11
Views: 1510

Re: What kind of fund for a Roth IRA - autopilot

Calimero: I have some reservation towards the lifecycle funds. What are your concerns with these funds? How about LS funds? Paul My reservation for LS come from my 401K where the holdings underneath are great or clear, plus the additional fee. Also, since it is going to be a small amount compared t...
by calimero
Sun Dec 20, 2015 9:26 am
Forum: Personal Investments
Topic: What kind of fund for a Roth IRA - autopilot
Replies: 11
Views: 1510

Re: What kind of fund for a Roth IRA - autopilot

Calimero: I have some reservation towards the lifecycle funds. What are your concerns with these funds? How about LS funds? Paul My reservation for LS come from my 401K where the holdings underneath are great or clear, plus the additional fee. Also, since it is going to be a small amount compared t...
by calimero
Sat Dec 19, 2015 6:15 pm
Forum: Personal Investments
Topic: What kind of fund for a Roth IRA - autopilot
Replies: 11
Views: 1510

Re: What kind of fund for a Roth IRA - autopilot

Yes, my Roth IRA is going to remain very small in comparison my 401K, investments,...

I have some reservation towards the lifecycle funds. So, FFNOX might be a contender?
by calimero
Sat Dec 19, 2015 5:50 pm
Forum: Personal Investments
Topic: What kind of fund for a Roth IRA - autopilot
Replies: 11
Views: 1510

Re: What kind of fund for a Roth IRA - autopilot

Thanks for the suggestions. I only fund annually a IRA with $5500.
by calimero
Sat Dec 19, 2015 4:27 pm
Forum: Personal Investments
Topic: What kind of fund for a Roth IRA - autopilot
Replies: 11
Views: 1510

What kind of fund for a Roth IRA - autopilot

I started doing the annual $5500 Roth IRA backdoor. I am looking for an fund idea where I can let the investment go on autopilot.
It is a small subset of my investments. Therefore, I am not worrying about fit with overall portfolio strategy.
by calimero
Sun Dec 13, 2015 2:50 pm
Forum: Personal Investments
Topic: Backdoor Roth IRA conversion - still a good idea?
Replies: 10
Views: 1667

Re: Backdoor Roth IRA conversion - still a good idea?

Also, I can add to the same Roth IRA account?
by calimero
Sun Dec 06, 2015 2:18 pm
Forum: Personal Investments
Topic: Backdoor Roth IRA conversion - still a good idea?
Replies: 10
Views: 1667

Re: Backdoor Roth IRA conversion - still a good idea?

Can I use the same non-deductible IRA account from a previous year to put in the $5500?
by calimero
Sun Dec 06, 2015 12:27 pm
Forum: Personal Investments
Topic: Backdoor Roth IRA conversion - still a good idea?
Replies: 10
Views: 1667

Backdoor Roth IRA conversion - still a good idea?

I did last year for the first time the $5500 Roth IRA backdoor conversion.
Is this still a good idea, still possible?
by calimero
Fri Sep 25, 2015 9:07 am
Forum: Investing - Theory, News & General
Topic: Keeping VPPCX?
Replies: 4
Views: 525

Keeping VPPCX?

I have invested into VPPCX. I had a great run with it.
Some sites don't seem to be so positive about it anymore. What are your thoughts?
by calimero
Sat Aug 29, 2015 12:47 pm
Forum: Personal Investments
Topic: Amerivest Managed Risk Portfolio - good/ bad idea?
Replies: 15
Views: 2287

Re: Amerivest Managed Risk Portfolio - good/ bad idea?

VTMFX seems interesting as well.

I couldn't find much of a performance comparison for the others. ..
by calimero
Sat Aug 29, 2015 8:19 am
Forum: Personal Investments
Topic: Amerivest Managed Risk Portfolio - good/ bad idea?
Replies: 15
Views: 2287

Re: Amerivest Managed Risk Portfolio - good/ bad idea?

The later, auto-pilot, rebalancing, pick reasonable investment choices for me, follow an agreed strategy.
by calimero
Sat Aug 29, 2015 8:08 am
Forum: Personal Investments
Topic: Amerivest Managed Risk Portfolio - good/ bad idea?
Replies: 15
Views: 2287

Re: Amerivest Managed Risk Portfolio - good/ bad idea?

Looks like Amerivest Portfolio charge 1%, plus underlying fund fees. Looks like those are better: Schwab Intelligent Portfolios: no fees Betterment: 0.15% - 035% (depending on balance) https://www.betterment.com/schwab-intelligent-portfolios/ There is also Wealthfront (0.25%) Looks like Betterment w...
by calimero
Fri Aug 28, 2015 5:55 pm
Forum: Personal Investments
Topic: Amerivest Managed Risk Portfolio - good/ bad idea?
Replies: 15
Views: 2287

Amerivest Managed Risk Portfolio - good/ bad idea?

I would like to invest an additional $75k, aside of 401k's, and existing stock and fund investments. I am trying to explore some "auto-pilot" options with moderate volatility Is Amerivest Managed Risk Portfolio a good idea? Schwab Intelligent Portfolios? Betterment? Are there any ETF's or Funds that...
by calimero
Fri Aug 07, 2015 7:08 am
Forum: Personal Investments
Topic: Buying REIT now? - will rate change have an impact?
Replies: 9
Views: 1321

Re: Buying REIT now? - will rate change have an impact?

I read an article that made a case for closed end REIT funds. However, the article didn't really say why.
What would be a reason for a closed end REIT?
by calimero
Thu Aug 06, 2015 6:49 pm
Forum: Personal Investments
Topic: Buying REIT now? - will rate change have an impact?
Replies: 9
Views: 1321

Re: Buying REIT now? - will rate change have an impact?

Also, what is the rational for a REIT CEF?
by calimero
Thu Aug 06, 2015 6:31 pm
Forum: Personal Investments
Topic: Buying REIT now? - will rate change have an impact?
Replies: 9
Views: 1321

Buying REIT now? - will rate change have an impact?

I have cash that I want over time to move into a target allocation that includes REIT. I know I will not get market timing answers here. But I am wondering what drives REIT up and down. Currently, REIT's seem off peak. Will the upcoming fed rate hikes have a negative impact to REIT's? Similar to bon...
by calimero
Wed Aug 05, 2015 6:08 pm
Forum: Personal Investments
Topic: Mimic Yale endowment fund?
Replies: 8
Views: 1890

Mimic Yale endowment fund?

How would one mimic best a Yale endowment style investment?
Also, is it possible to invest into non-bond business investments?
by calimero
Mon Jun 08, 2015 7:51 pm
Forum: Investing - Theory, News & General
Topic: Opinion Short-Term Bond ETF (e.g. GSY) as a CASH/CD alternative
Replies: 6
Views: 1595

Re: Opinion Short-Term Bond ETF (e.g. GSY) as a CASH/CD alternative

Yes, this is in TDAmeritrade. Trying to find something stable that gives me more than 1%. Would be nice if they something like a stable fund, similar to 401K's
by calimero
Sun Jun 07, 2015 8:38 am
Forum: Investing - Theory, News & General
Topic: Opinion Short-Term Bond ETF (e.g. GSY) as a CASH/CD alternative
Replies: 6
Views: 1595

Re: Opinion Short-Term Bond ETF (e.g. GSY) as a CASH/CD alternative

Investment grade short term bonds currently have extremely low yields. You can often get similar or better yields in insured bank products. The ETF you mention has higher yield than most ultra short bonds, but it gets this yield by investing in junk bonds which have higher risk. insured bank produc...
by calimero
Sat Jun 06, 2015 12:04 pm
Forum: Investing - Theory, News & General
Topic: Opinion Short-Term Bond ETF (e.g. GSY) as a CASH/CD alternative
Replies: 6
Views: 1595

Opinion Short-Term Bond ETF (e.g. GSY) as a CASH/CD alternative

Somebody suggest to me to look into Short-Term Bond ETFs as an CD/cash alternative.
i.e. the Guggenheim Enhanced Short Duration ETF (GSY).

Of course, the ETF doesn't offer the guarantee of a CD. Not sure how big the risk is. Are there other alternatives? Similar ideas?
by calimero
Sun May 10, 2015 6:22 pm
Forum: Personal Investments
Topic: Non traded REITs and indexed annuities
Replies: 49
Views: 4720

Re: Non traded REITs and indexed annuities

Someone (not financial advisor) suggested http://www.walton.com/
Does this fall into the same non-traded REIT category?
by calimero
Sun May 10, 2015 7:47 am
Forum: Personal Investments
Topic: Non traded REITs and indexed annuities
Replies: 49
Views: 4720

Re: Non traded REITs and indexed annuities

As others have mentioned, TIAA CREF's Real Estate fund is sort of like a non-traded REIT but with much much more liquidity. If you qualify for an Investment Solutions IRA (not the other types of IRAs) then you can get access to it. The eligibility criteria are very broad, so there is a good chance ...
by calimero
Sat May 09, 2015 6:17 pm
Forum: Personal Investments
Topic: Non traded REITs and indexed annuities
Replies: 49
Views: 4720

Re: Non traded REITs and indexed annuities

If you've got access to TIAA RE annuity then that's a good way to get exposure. I don't know any others that offer reasonable fees and good fiduciary protection of your interests. Better to have a lower weighting of quoted REITs, accepting the volatility. Nothing wrong with CDs as value, it's just ...
by calimero
Sat May 09, 2015 6:12 pm
Forum: Personal Investments
Topic: Non traded REITs and indexed annuities
Replies: 49
Views: 4720

Re: Non traded REITs and indexed annuities

wcmFun wrote: I would gladly sell the two I have :beer

Which are they trying to get you into?

As for stable, want to guess the two biggest losers(by far) out of my portfolio of way too many funds?!
Cole
by calimero
Sat May 09, 2015 10:49 am
Forum: Personal Investments
Topic: Non traded REITs and indexed annuities
Replies: 49
Views: 4720

Re: Non traded REITs and indexed annuities

My advisor suggested a 3 bucket investment strategy. I like the idea to diversify with real estate. The only reason why I even remotely consider a non-traded REIT is the idea of less volatility. Essentially I am looking for something stable, better "value" than CD or cash. Trying to reinvest with mi...
by calimero
Thu May 07, 2015 5:48 pm
Forum: Personal Investments
Topic: Non traded REITs and indexed annuities
Replies: 49
Views: 4720

Non traded REITs and indexed annuities

I got a financial advisor to look over my investments on a trial basis. He recommended to convert about 30% of my total portfolio (incl cash, CD,..) into non traded REIT's and/or indexed annuities. I tend to like the idea to diversify my portfolio with less volatile options such as REIT while gettin...
by calimero
Sat Mar 07, 2015 4:51 pm
Forum: Investing - Theory, News & General
Topic: Looking for good market dashboard
Replies: 8
Views: 1391

Re: Looking for good market dahsboard

I use a spreadsheet that uses the googlefinance function to retrieve quotes for ETFs. It includes daily change as well as percent above 52 week lows and percent below 52 week highs, percent above or below yesterday close for daily high and low, and high/low range for the day; conditional formatting...
by calimero
Sat Feb 28, 2015 11:04 am
Forum: Investing - Theory, News & General
Topic: Looking for good market dashboard
Replies: 8
Views: 1391

Looking for good market dashboard

Hi, I am looking for a good market dashboard that shows the performance, trends of market sectors. What I would like to see: - performance during last day, week, quarter, year, ... - good breakdown into sectors. e.g. not only foreign, but emerging, developed, and key countries large, small, .... ene...
by calimero
Sun Feb 22, 2015 1:53 pm
Forum: Personal Investments
Topic: Portfolio Allocation Help for 401K's
Replies: 15
Views: 1510

Re: Portfolio Allocation Help for 401K's

1) The money market is unnecessary in a retirement account unless you just want a part of your fixed income allocation (the bond side) to be very conservative. 2) The global real estate is probably pretty costly. I'd skip it. 3) Don't know what specialty bond is but I'd skip that too. What type of ...
by calimero
Sun Feb 22, 2015 1:02 pm
Forum: Personal Investments
Topic: Portfolio Allocation Help for 401K's
Replies: 15
Views: 1510

Re: Portfolio Allocation Help for 401K's

Going by the expense ratios, I'd guess the Core Bond is a Total Bond Market index fund and the US Large Cap Stock is a 500 Index fund. The only way to know is to look at the description of the investment given to you by your plan or the HR people. Core bond description: Invests in a variety of inve...