Search found 12 matches

by randal7
Sat Feb 03, 2018 10:53 am
Forum: Investing - Help with Personal Investments
Topic: Help with annuity transfer/rollover
Replies: 2
Views: 227

Help with annuity transfer/rollover

I have recently retired from my job as a public sector employee. One optional benefit my employer offered was to opt out of the health insurance provided and have a percentage of the cost of that insurance paid into an annuity. This payment was pretax. There was no option to pay more, if that matter...
by randal7
Wed Jan 11, 2017 11:24 am
Forum: Personal Finance (Not Investing)
Topic: HSA eligible for January only
Replies: 1
Views: 315

HSA eligible for January only

My wife will be eligible for an HSA until Feb. 1 when the insurance for her new job starts. We already have an HSA account, if that matters. Am I correct in understanding that her maximum contribution for this year is the prorated amount, i.e $3400/year max divided by twelve months times one month e...
by randal7
Thu Jan 05, 2017 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Pay Deferral Question
Replies: 2
Views: 323

Pay Deferral Question

This is my last year working full time at my current job. My tax rate this year is almost certainly going to be higher than my tax rate next year. I have informally discussed with my employer the possibility of deferring some overtime pay until next year and they are open to the idea. If I work say ...
by randal7
Fri May 08, 2015 11:39 am
Forum: Investing - Help with Personal Investments
Topic: Can you no longer hide zero balance funds at Vanguard?
Replies: 9
Views: 2674

Re: Can you no longer hide zero balance funds at Vanguard?

I just did this like a week ago. The customize button was tucked away in the upper right corner of the balances & holdings page. Took me a while to find it.
by randal7
Wed Jan 14, 2015 1:41 pm
Forum: Investing - Theory, News & General
Topic: [What's the difference? All-world ex-US vs. Total Internat.]
Replies: 5
Views: 1190

[What's the difference? All-world ex-US vs. Total Internat.]

...between FTSE all-world (ex-US) index (VFWAX) and Total International Index (VTIAX)? I get they track different indices. When I graph the performances together they seem identical. If there were no real difference there would not be two (you'd think), so what am I not seeing?
by randal7
Wed Jan 14, 2015 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: Reassessing AA after 10 years
Replies: 11
Views: 2182

Re: Reassessing AA after 10 years

Traditional IRA to Roth conversion is state tax free in IL. If you contribute 11k to Traditional IRA, you get the fed and state tax break. Immediately convert to Roth and you pay only the fed tax at the same rate as if you contributed to Traditional. You do not pay state tax on this conversion, thu...
by randal7
Wed Jan 14, 2015 11:00 am
Forum: Investing - Help with Personal Investments
Topic: Reassessing AA after 10 years
Replies: 11
Views: 2182

Re: Reassessing AA after 10 years

Maybe you could add it to your REIT allocation? Just a thought. It might be too high of an allocation to REITs for your liking. Actually at this point I am counting the REIT fund towards this 10%. I got into the REIT fund because I wanted to get into landlording. After some investigation, I decided...
by randal7
Tue Jan 13, 2015 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: Reassessing AA after 10 years
Replies: 11
Views: 2182

Re: Reassessing AA after 10 years

Thank you for the responses. I am likely going to stay with my Roth and open a new Roth for my wife. I think with my pension and some money I stand to inherit (hopefully way down the road) there is a fair chance that I will need little from my IRAs. Passing them to my daughter in tax-free form proba...
by randal7
Sat Jan 10, 2015 11:11 am
Forum: Investing - Help with Personal Investments
Topic: Reassessing AA after 10 years
Replies: 11
Views: 2182

Reassessing AA after 10 years

I am in the process of reassessing my investments after leaving them on autopilot for about the last 10 years. I am 47, my wife 48. We have an 11-yr old child. We file jointly, 15% bracket. I owe about 45k on my mortgage at 4%. We live in IL, so pay 5% state tax. Emergency fund: 3 months. I plan to ...
by randal7
Sat Jan 10, 2015 9:56 am
Forum: Investing - Help with Personal Investments
Topic: Please help me decide between Roth and Traditional
Replies: 1
Views: 424

Please help me decide between Roth and Traditional

I am 47, my wife 48. We file jointly, in the 15% bracket. 18-19 years ago I started an IRA for each of us, Roth for me, traditional for her, to hedge my bets rather than guess at future taxes. About 10 years ago we stopped adding additional funds. I am in the process of reassessing funds and allocat...
by randal7
Wed Jan 07, 2015 9:31 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation of small, regular IRA purchases
Replies: 1
Views: 401

Allocation of small, regular IRA purchases

So I add to my IRA on payday in amounts of a couple hundred dollars or less. My IRA is at Vanguard, so if I do this online they will apparently allow me to put irregular amounts (not in even hundreds) in each fund. Is it best to allocate each new purchase to each fund in proportion to my overall AA?...