Search found 26 matches

by rapido
Mon Feb 15, 2021 6:06 pm
Forum: Personal Investments
Topic: Do You Have First Hand Experience with Guideline?
Replies: 3
Views: 401

Re: Do You Have First Hand Experience with Guideline?

@ craveonewave

Thanks for your feedback. I apologize for the delayed reply. I didn't receive an email notice of your feedback.

I ended up signing up with Guideline.
by rapido
Wed Jan 20, 2021 9:30 am
Forum: Personal Investments
Topic: Do You Have First Hand Experience with Guideline?
Replies: 3
Views: 401

Re: Do You Have First Hand Experience with Guideline.com?

The official company name is Guideline, not Guideline.com. Original post has been corrected.
by rapido
Wed Jan 20, 2021 9:28 am
Forum: Personal Consumer Issues
Topic: Amazon Firestick vs. Roku
Replies: 72
Views: 4335

Re: Amazon Firestick vs. Roku

I've had both, but prefer Firestick. I believe Firestick has a bigger user base, so newer apps will probably be available sooner on Firestick. There is a larger audience for developers. As many posters said, the both will have the "big apps."
by rapido
Tue Jan 19, 2021 8:39 am
Forum: Personal Investments
Topic: Do You Have First Hand Experience with Guideline?
Replies: 3
Views: 401

Do You Have First Hand Experience with Guideline?

We've researched small business 401K providers for our small 2-person company. We plan to go with Guideline.com. Before moving forward, I was wondering if anyone has any recent experience with them? (In the last 18 months.) How is their customer service? Professionalism? Knowledge? Is their investor...
by rapido
Wed Jan 13, 2021 10:31 am
Forum: Personal Investments
Topic: Reasons to Hold Bonds in Taxable Account?
Replies: 8
Views: 954

Re: Reasons to Hold Bonds in Taxable Account?

OP here. Thanks. Every comment I'm gaining new knowledge and insights.
by rapido
Wed Jan 13, 2021 9:58 am
Forum: Personal Investments
Topic: Reasons to Hold Bonds in Taxable Account?
Replies: 8
Views: 954

Re: Reasons to Hold Bonds in Taxable Account?

aristotelian wrote: Wed Jan 13, 2021 9:55 am It may make sense to have a small amount in taxable for liquidity purposes, similar to an emergency fund but with a little higher return.
That is a good point that I overlooked. Thanks.
by rapido
Wed Jan 13, 2021 8:40 am
Forum: Personal Investments
Topic: Reasons to Hold Bonds in Taxable Account?
Replies: 8
Views: 954

Re: Reasons to Hold Bonds in Taxable Account?

The main reason to have bonds in taxable is your AA says to hold so much in bonds but tax-advantaged account isn't big enough for that. Some back of the envelope math... Your desired AA is 70/30 stocks/bonds. Your accounts are currently split 60% taxable / 40% tax-advantaged. So initially you can f...
by rapido
Tue Jan 12, 2021 3:15 pm
Forum: Personal Investments
Topic: Reasons to Hold Bonds in Taxable Account?
Replies: 8
Views: 954

Reasons to Hold Bonds in Taxable Account?

. Would there any reason I should hold bonds in my taxable (non-qualified) account? I planned to hold Vanguard Total Stock Market USA (VTSAX) in my taxable (non-qualified) account. I've been reading about the possibility of having bonds in a taxable account. I'm now confused. (A few good reference p...
by rapido
Tue Jan 12, 2021 11:02 am
Forum: Personal Investments
Topic: Portfolio Review Request - Simplifying and Inherited IRAs
Replies: 10
Views: 574

Re: Portfolio Review Request - Simplifying and Inherited IRAs

Thanks @lakpr. Are the tax consequences the same between ETFs and Mutual Funds?
by rapido
Tue Jan 12, 2021 10:44 am
Forum: Personal Investments
Topic: Portfolio Review Request - Simplifying and Inherited IRAs
Replies: 10
Views: 574

Re: Portfolio Review Request - Simplifying and Inherited IRAs

For those reviewing, please note I updated questions #5 and #6 in original post. I had mixed up my abbreviations, using REITs instead of ETFs. I have dyslexia and overlooked the mistake. Hopefully nobody thought I was totally confused or crazy! It's been updated and hopefully makes much more sense i...
by rapido
Wed Jan 06, 2021 10:42 am
Forum: Personal Investments
Topic: Portfolio Review Request - Simplifying and Inherited IRAs
Replies: 10
Views: 574

Re: Portfolio Review Request - Simplifying and Inherited IRAs

I'll reach out to them via PM. Thanks for the tip. Separately, to answer another question in the original post ... I turned 50 just last year (not yet 51) so I am not too far away from you in age. My asset allocation is 55:15:30, so a 70% stocks position is not too conservative in my opinion. I do p...
by rapido
Wed Jan 06, 2021 10:06 am
Forum: Personal Investments
Topic: Portfolio Review Request - Simplifying and Inherited IRAs
Replies: 10
Views: 574

Re: Portfolio Review Request - Simplifying and Inherited IRAs

You are planning on making a $64,500 contribution to His 401k. That would not be possible unless you make after-tax contributions, so implicitly you are banking on making the after-tax contributions to the 401k plan. Know that, the after-tax contributions are subject to anti-discrimination tests, e...
by rapido
Wed Jan 06, 2021 8:24 am
Forum: Personal Investments
Topic: Portfolio Review Request - Simplifying and Inherited IRAs
Replies: 10
Views: 574

Portfolio Review Request - Simplifying and Inherited IRAs

As a result of two recent changes, I have re-evaluated our portfolio and plan to simplify. I will call this the New Portfolio. I'm hoping for feedback from investors who have more experience and knowledge than me. Thanks in advance. With the help of this forum, back in 2008 I set up, watched, and re...
by rapido
Tue Dec 22, 2020 12:26 pm
Forum: Personal Investments
Topic: Place Tax Efficient Funds in an Inherited IRA?
Replies: 12
Views: 625

Re: Place Tax Efficient Funds in an Inherited IRA?

Steve, thank you for clarifying. I wish it was a Roth IRA. I've also updated the original post for clarity for future readers.
by rapido
Mon Dec 21, 2020 7:40 pm
Forum: Personal Investments
Topic: Place Tax Efficient Funds in an Inherited IRA?
Replies: 12
Views: 625

Re: Place Tax Efficient Funds in an Inherited IRA?

OP here. Because the money will be taxed upon withdraw and I'm forced to withdraw within 10 years, I believe the question shouldn't be about tax efficiency, it should be about return. I should be putting the fund(s) with the lowest possible overall return in the Inherited IRA. Put the funds with hig...
by rapido
Mon Dec 21, 2020 7:33 pm
Forum: Personal Investments
Topic: Place Tax Efficient Funds in an Inherited IRA?
Replies: 12
Views: 625

Re: Place Tax Efficient Funds in an Inherited IRA?

Whether the funds within an IRA are tax efficient or not is immaterial. Steve, Thanks. I'll be forced to withdraw over the next 10 years, based on other suggestions I think I should hold funds in the Inherited IRA that I anticipate will produce the least returns in relation to having a balanced por...
by rapido
Mon Dec 21, 2020 7:27 pm
Forum: Personal Investments
Topic: Place Tax Efficient Funds in an Inherited IRA?
Replies: 12
Views: 625

Re: Place Tax Efficient Funds in an Inherited IRA?

Thanks BigJohn. I'm not planning on making additional contributions. I'm changing the funds held in the inherited IRA. Whoops, sorry, misunderstood your words :oops: My two cents on placement is that theses days bond interest rates are so low that they are not going to generate much tax burden. So ...
by rapido
Mon Dec 21, 2020 5:06 pm
Forum: Personal Investments
Topic: Place Tax Efficient Funds in an Inherited IRA?
Replies: 12
Views: 625

Re: Place Tax Efficient Funds in an Inherited IRA?

Thanks BigJohn. I'm not planning on making additional contributions. I'm changing the funds held in the inherited IRA.
by rapido
Mon Dec 21, 2020 4:24 pm
Forum: Personal Investments
Topic: Place Tax Efficient Funds in an Inherited IRA?
Replies: 12
Views: 625

Place Tax Efficient Funds in an Inherited IRA?

Is it best to place tax efficient funds in an Inherited non-roth IRA? Having a steady self-employed income, we plan to spread out the withdraws over 10 years. I'm setting up a portfolio that I'll be asking for specific feedback. I couldn't figure this out for my planned portfolio. Thank you. - 24% t...
by rapido
Thu Nov 06, 2008 12:02 pm
Forum: Personal Investments
Topic: Portfolio Feedback
Replies: 5
Views: 1572

Thanks and Changes

First Off--Thanks Alex and Pangloss for your help. Bonds I'll look into changing the Bonds to the 50/50 Total Bond/Tips or the Intermeida Index that Alex recc. I'll revise post when decisions are made. Minimize Taxes I'm glad I asked, I was wrongly thinking that the funds with the highest tax costs ...
by rapido
Tue Nov 04, 2008 11:04 am
Forum: Personal Investments
Topic: Portfolio Feedback
Replies: 5
Views: 1572

Portfolio Feedback

Thanks in advance for your ideas and suggestions. I really appreciate it. The information below is what I plan to do. Emergency funds: 5 Months Debt: 165,000 home mortgage at 5.875% Tax Filing Status: Married Filing Jointly Tax Rate: 25% Federal, 7% State Age: 39 Retirement Goal: 62 Desired Asset a...
by rapido
Mon Oct 13, 2008 2:14 pm
Forum: Personal Investments
Topic: Growth Index + Value Index = Blend Index...True or False?
Replies: 1
Views: 700

Growth Index + Value Index = Blend Index...True or False?

I am setting up a index portfolio primarlily of Vanguard funds. 1) Is buying Vanguard Mid-Cap Value Index (VMVIX) and Vanguard Mid-Cap Growth Index (VMGIX) the same as buying Vanguard Mid-Cap Index Fund (VIMSX)? 2) Does this hold true for Large Cap and Small Cap? 3) Are there advantages or dis-advan...
by rapido
Mon Apr 07, 2008 11:13 am
Forum: Personal Investments
Topic: Portfolio Feedback Please
Replies: 6
Views: 1395

Retirement Age / Pensions

I plan to retire around 65, but I probably will continue to work. I'm not the sit around type. I am an entreprenuer who will probably start another business. My wife does not work. When the kids get into school, she will probably get a part time job. We don't have any pensions. We will have an inher...
by rapido
Mon Apr 07, 2008 10:57 am
Forum: Personal Investments
Topic: Portfolio Feedback Please
Replies: 6
Views: 1395

Reply Lost

Thanks for the help and Ideas. On Friday I included a detailed post, but it did not post. I emailed the adm and I am trying to get it up. If not, I'll try again.
by rapido
Fri Apr 04, 2008 9:35 am
Forum: Personal Investments
Topic: Portfolio Feedback Please
Replies: 6
Views: 1395

Portfolio Feedback Please

The information below is what I plan to do. Most of my portfolio is in cash, so I can easily implement your recommendations. Thanks in advance. Emergency funds: 6 months Debt: Home Mortgage of $145,000 @ 5.875%, 2nd Mortgage of $22,000 at 4.5% Tax Filing Status: Married filing Jointly Tax Rate: 25% ...