Search found 6179 matches

by Duckie
Tue Jan 22, 2019 11:40 pm
Forum: Investing - Help with Personal Investments
Topic: Help with tax planning and IRA rollover question
Replies: 6
Views: 321

Re: Help with tax planning and IRA rollover question

I will look into adjusting my W-4 as I have never paid quarterly estimated taxes. How do I determine how much I would like to have withheld? Should I type in 50,000 to a paycheck calculator like this: https://www.paycheckcity.com/calculator/salary/result and then from there determine how much extra...
by Duckie
Tue Jan 22, 2019 9:04 pm
Forum: Investing - Help with Personal Investments
Topic: Help with tax planning and IRA rollover question
Replies: 6
Views: 321

Re: Help with tax planning and IRA rollover question

I rolled over my traditional 401k from previous employer to a traditional IRA at Vanguard in September When do I pay taxes on this rollover? I rolled it over on Jan 1st of 2019 from traditional IRA to Roth IRA. Do I need to pay taxes on this now or do I wait until next year when I do my taxes for 2...
by Duckie
Tue Jan 22, 2019 8:53 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Strategy - Critique Needed
Replies: 5
Views: 443

Re: Investment Strategy - Critique Needed

]My 401(k) sole option is Vanguard Institutional Target Retirement 2050 Fund (VTRLX) — the fund fees are 0.09%. Do you really mean that VTRLX is the only option in your 401k plan? I've never heard of plan with only one choice. If you mean that is the option you've chosen among all the others, I alr...
by Duckie
Tue Jan 22, 2019 8:13 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on getting started
Replies: 5
Views: 655

Re: Advice on getting started

Age: 29 / 28 Desired Asset allocation: 70/30? maybe 80/20? Either are reasonable at your age. Desired International: 10%? Vanguard has found between 20% and 40% of stocks in international to be the "sweet spot". See the Vanguard paper link and the discussion . I usually split the difference and rec...
by Duckie
Tue Jan 22, 2019 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Strategy - Critique Needed
Replies: 5
Views: 443

Re: Investment Strategy - Critique Needed

My current plan is to leave the 401(k) invested in the Target Date Fund, but to build a three fund portfolio across my Roth and Taxable accounts. <snip> Does this sound like a sensible strategy? I'll be planning on keeping the majority of the VBFMX in my Roth. No. In general it's better to put asse...
by Duckie
Tue Jan 22, 2019 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: Young couple figuring out contributions, allocation, and forced 401k closure
Replies: 6
Views: 937

Re: Young couple figuring out contributions, allocation, and forced 401k closure

Given the California taxes for HSA accounts, which of the available funds should we hold in Her HSA account? As mentioned in the original post, we plan to use the HSA account to cover healthcare expenses in retirement. I would use one of the TIPS funds, either VTAPX or VIPIX to cut down on state ta...
by Duckie
Mon Jan 21, 2019 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: Afoot or on horseback?
Replies: 24
Views: 1665

Re: Afoot or on horseback?

Brokerage link account (Ameriprise Adviser recommended moving any funds I could without penalty out of Company 401K so we had more investment options - Symbols below subtotal: $251,061.82 Who picked the options because they're not better? Symbol & description -- Cost basis -- Value KSTAX DWS MULTIS...
by Duckie
Mon Jan 21, 2019 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: New 401k company, new fund choices?
Replies: 2
Views: 185

Re: New 401k company, new fund choices?

They did get me into Vinix which was far better than our last offering. Good. Does the plan have an extended market fund for the 20% missing mid/small caps? I was thinking of dumping the RERGX and going full into VTIAX seemed to make more sense to me. Good idea. They also put me into a target based...
by Duckie
Sun Jan 20, 2019 10:02 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Rollover IRA Brokerage Account - Please Advice
Replies: 2
Views: 237

Re: Vanguard Rollover IRA Brokerage Account - Please Advice

So I am 39 years old and have the following Vanguard funds in a Rollover IRA Brokerage Account with a balance of $100K. Can you please advice if I should make any changes? You have individual funds (VDIGX, VFIAX, VIMAX, and VSIAX) and balanced funds (VTIVX and VWELX). Mixing the two types makes fig...
by Duckie
Sun Jan 20, 2019 6:18 pm
Forum: Investing - Help with Personal Investments
Topic: Noob needs help
Replies: 17
Views: 1115

Re: Noob needs help

What do you all think? It looks good. Approximating total market is tough across all the accounts. Not once you learn how. For example, you have 50% of the portfolio in separate US large/small-cap funds. 40% in the current 401k and 10% in the old 401k. If you want to make your small caps 20% of US ...
by Duckie
Sat Jan 19, 2019 7:31 pm
Forum: Investing - Help with Personal Investments
Topic: Consolidation of Multiple Retirement Accounts
Replies: 8
Views: 600

Re: Consolidation of Multiple Retirement Accounts

I am almost positive that is not private as it is a state university hospital. Hospital website says It is the the state's only academic medical center, is the primary teaching hospital for the university's School of Medicine. It is home to the state's only Level I Trauma Center. Now my wife works ...
by Duckie
Sat Jan 19, 2019 6:24 pm
Forum: Investing - Help with Personal Investments
Topic: Consolidation of Multiple Retirement Accounts
Replies: 8
Views: 600

Re: Consolidation of Multiple Retirement Accounts

I do not understand the difference between government and university plans. A governmental 457b plan is very similar to standard 401k and 403b plans. The money is yours and can be rolled over to an IRA or another employer plan (401k, 403b, 457b, TSP, etc.) when quitting. A non-governmental plan is ...
by Duckie
Sat Jan 19, 2019 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: Pre-Retirement Review- Need Wise & Witty Bogleheads
Replies: 15
Views: 2727

Re: Pre-Retirement Review- Need Wise & Witty Bogleheads

Savings bonds are at Treasury Direct - want to hold to maturity as return averaging 3.75%. Some mature in 5 years, others when I am in my early 70's. I don't view them so much as cash as I want to hold longterm. Does that mean the $103K is not included in the 10% cash portion of the retirement port...
by Duckie
Fri Jan 18, 2019 9:40 pm
Forum: Investing - Help with Personal Investments
Topic: Noob needs help
Replies: 17
Views: 1115

Re: Noob needs help

Current Employer 401k Consider: Vanguard Institutional Index VINIX 0.03% -- Large caps, 80% of US stocks Vanguard Small-Cap Index VSCIX 0.04% -- Small caps, 14% of US stocks Vanguard Developed Markets Index VTMNX 0.06% -- Developed markets + Canada, 80% of international stocks Vanguard Total Bond M...
by Duckie
Fri Jan 18, 2019 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Yet another Solo 401k vs SEP question
Replies: 22
Views: 1115

Re: Yet another Solo 401k vs SEP question

car733 wrote:What do you mean by "if it's allowed"?
I wasn't sure you could withdraw from the SEP IRA like that since it's an employer plan, but Spirit Rider cleared that up.
by Duckie
Fri Jan 18, 2019 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: Yet another Solo 401k vs SEP question
Replies: 22
Views: 1115

Re: Yet another Solo 401k vs SEP question

I estimate the side job will make 20-25k through 2019. I was planning to open a SEP-IRA, deposit, and roll over to Roth until I read this thread: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=269654. Someone mentioned the pro-rata rule and the possibility of opening a solo 401k. If you plan ...
by Duckie
Fri Jan 18, 2019 7:44 pm
Forum: Investing - Help with Personal Investments
Topic: Professional in NYC - trying to figure out investment strategy
Replies: 4
Views: 487

Re: Professional in NYC - trying to figure out investment strategy

Below are the choices my firm offers in my 401K. Without knowing your plan expense ratios (add them) the best options appear to be: FID 500 INDEX (FXAIX) -- Large caps, 80% of US stocks FID EXTD MKT IDX (FSMAX) -- Mid/small caps, 20% of US stocks FID INTL INDEX (FSPSX) -- Developed markets, 75% of ...
by Duckie
Fri Jan 18, 2019 7:29 pm
Forum: Investing - Help with Personal Investments
Topic: Young couple figuring out contributions, allocation, and forced 401k closure
Replies: 6
Views: 937

Re: Young couple figuring out contributions, allocation, and forced 401k closure

inspiredinvestor , welcome to the forum. Her income: $125k, plus $20k stock from public company I hope she sells company stock as soon as allowed. Proposed Annual Contributions <snip> $5,500 to Her Roth IRA via conversion $5,500 to His Roth IRA via conversion (new account) It's $6,000 for 2019. Fun...
by Duckie
Fri Jan 18, 2019 5:39 pm
Forum: Investing - Help with Personal Investments
Topic: Pre-Retirement Review- Need Wise & Witty Bogleheads
Replies: 15
Views: 2727

Re: Pre-Retirement Review- Need Wise & Witty Bogleheads

You gave helpful feedback on my post last year. I would welcome any input you might have on my most recent post. Your situation hasn't changed and other than the percentages changing my advice still stands. You have a desired AA of 45% stocks, 45% bonds and 10% cash, with 15% of stocks in internati...
by Duckie
Fri Jan 18, 2019 4:50 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing Help
Replies: 7
Views: 648

Re: Rebalancing Help

In my mind, if I wanted a 70/30 allocation, it seemed some bonds needed to be in the Roths. Your 70/30 AA is across all retirement accounts. That means you don't have to have bonds in your Roth accounts. Why do you think they shouldn't be there and where would you suggest I put them? In general it'...
by Duckie
Thu Jan 17, 2019 5:26 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing Help
Replies: 7
Views: 648

Re: Rebalancing Help

My question is whether to rebalance through contributions (looks like that will take quite a while) or through transactions. I am leaning towards transactions, but it will involve moving about $17,000 from bonds to stocks within Roth IRAs that are with Vanguard (no movement of any 403b money). Are ...
by Duckie
Thu Jan 17, 2019 4:35 pm
Forum: Investing - Help with Personal Investments
Topic: New Member- Help with Portfolio
Replies: 10
Views: 787

Re: New Member- Help with Portfolio

if I elect to change some of my elections to some of the options that Duckie first listed, is it appropriate to reallocate the money I currently have in my other elections? Or to put it another way, should I take the money I already have in other elections and move it into the new elections? Or jus...
by Duckie
Wed Jan 16, 2019 7:25 pm
Forum: Investing - Help with Personal Investments
Topic: New Member- Help with Portfolio
Replies: 10
Views: 787

Re: New Member- Help with Portfolio

MSU1526 , welcome to the forum. How should I update our fund elections to better suit the desired allocation? It depends on how much international you want and what the expense ratios are in the 401k plans. Without knowing your plan costs the following appear to be the best options: State Street S&...
by Duckie
Tue Jan 15, 2019 9:30 pm
Forum: Investing - Help with Personal Investments
Topic: John Hancock funds not showing any dividends?
Replies: 4
Views: 240

Re: John Hancock funds not showing any dividends?

PluckyDucky , welcome to the forum. I don't see where they are crediting my account with dividends. I've had the account for 3 full quarters now, but the statements don't show dividends and neither does the website. Are the dividends just reinvested behind the curtain so I can't see and the "value"...
by Duckie
Tue Jan 15, 2019 7:25 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing Sanity Check
Replies: 8
Views: 580

Re: Rebalancing Sanity Check

We are going to be rebalancing soon and I'd really appreciate a sanity check before we do. I have three goals: 1) To rebalance, 2) to reduce the number of funds, and 3) to concentrate bonds in tax-advantaged accounts. <snip> Desired Asset allocation: 70% stocks / 30% bonds <snip> Desired Internatio...
by Duckie
Tue Jan 15, 2019 6:52 pm
Forum: Investing - Help with Personal Investments
Topic: Help with the next steps
Replies: 4
Views: 352

Re: Help with the next steps

Now they are telling me I need to upgrade to a Brokerage Acct. I know that this has been debated here by the Forum, but it sounds like I have no choice but to upgrade. Is this true and are there any concerns that I need be aware of? It is true. All new accounts, even for existing customers, are bro...
by Duckie
Tue Jan 15, 2019 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: Reducing Transamerica 401K ER%
Replies: 2
Views: 256

Re: Reducing Transamerica 401K ER%

TransAmerica's PortfolioXpress setup with my company 401K The best options are: Vanguard Total Stock Market Index 0.04% -- Complete US stocks Oppenheimer International Diversified 0.99% -- Mostly developed markets Metropolitan West Total Return Bond 0.78% -- US bonds or maybe Diversified Investors ...
by Duckie
Tue Jan 15, 2019 6:02 pm
Forum: Investing - Help with Personal Investments
Topic: Should my partner contribute to his 403(b)?
Replies: 8
Views: 794

Re: Should my partner contribute to his 403(b)?

And I think he could reduce the actual fees he pays even more if he does an annual transfer from the 403b into the IRA - which I think is allowed, since he will be 100% vested from day 1? <snip> Hopefully he'll also be able to transfer the funds in the 403(b) out every year as well. It is very unli...
by Duckie
Mon Jan 14, 2019 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: SEP IRA vs Solo 401k - What am I not getting?
Replies: 28
Views: 1042

Re: SEP IRA vs Solo 401k - What am I not getting?

The SEP IRA interferes with a Backdoor Roth I didn't know that. Can you point me to more information? When using the Backdoor Roth IRA method you need to consider all non-Roth IRAs when figuring the taxes owed on the conversion because of the pro-rata rule . These include accounts titled Traditiona...
by Duckie
Mon Jan 14, 2019 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth Pro-Rata rule. . .can you help?
Replies: 2
Views: 245

Re: Backdoor Roth Pro-Rata rule. . .can you help?

So . .have not done a backdoor roth before but my employer allows it and the HR folks (via fidelity) actually encouraged it. So I am now putting after tax money into my 401k and ready to move it over. However, I have a small IRA at fidelity that was a result of a previous employer long ago. Current...
by Duckie
Mon Jan 14, 2019 5:59 pm
Forum: Investing - Help with Personal Investments
Topic: Capital Gains Question from Novice
Replies: 13
Views: 1256

Re: Capital Gains Question from Novice

Gill wrote:Did you mean this? It is incorrect.
Yes I meant it and yes I now know it's incorrect.
by Duckie
Mon Jan 14, 2019 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: New investor seeking feedback about retirement accounts
Replies: 13
Views: 858

Re: New investor seeking feedback about retirement accounts

You're saying I should use just VTSAX and/or VTIAX in both taxable and Roth IRAs. That would simplify it but will that be ok considering diversification? You diversify across your entire portfolio -- taxable, employer plans, IRAs, etc. You don't have to have every type of asset in every account. Yo...
by Duckie
Sun Jan 13, 2019 10:34 pm
Forum: Investing - Theory, News & General
Topic: Vanguard accounts
Replies: 18
Views: 1294

Re: Vanguard accounts

What documents, specifically, do I need? If you were paid dividends in a taxable account you will get a 1099-DIV. This arrives the end of January if you have the old mutual fund account and the end of February if you have the brokerage account. If you have both don't file your taxes until you get t...
by Duckie
Sun Jan 13, 2019 9:16 pm
Forum: Investing - Help with Personal Investments
Topic: Writing personal Investment Plan
Replies: 3
Views: 438

Re: Writing personal Investment Plan

bezosdezos , welcome to the forum. When an IPS says 70% stock vs 30% fixed income where do following assets fall in ? 1. Domestic investment for Rental Property 2. International investment for Rental Property 3. 401ks from employer. 4. Equity built in residential home {No income} The assets in the ...
by Duckie
Sun Jan 13, 2019 7:55 pm
Forum: Investing - Theory, News & General
Topic: Vanguard accounts
Replies: 18
Views: 1294

Re: Vanguard accounts

Russianbear wrote:
UpperNwGuy wrote:Yes, in the US you are taxed on the dividends even if you reinvest them.
Ok. Cuz I got about $100 in my IRA. That won’t make much of a difference.
You are not taxed on dividends in an IRA. You are taxed in a taxable account.
by Duckie
Sun Jan 13, 2019 6:19 pm
Forum: Investing - Help with Personal Investments
Topic: Capital Gains Question from Novice
Replies: 13
Views: 1256

Re: Capital Gains Question from Novice

The Fidelity Total Market Index Fund (FSKAX) information page lists dividends and capital gains separately. For example, capital gains distributions on 12/14/18 were 0.258 per share. Vanguard Total Stock Market Index Fund (VTSAX), on its information page, lists zero realized capital gains. Does tha...
by Duckie
Sun Jan 13, 2019 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: 95% of my taxable acct is VTIAX international. Bad idea?
Replies: 6
Views: 846

Re: 95% of my taxable acct is VTIAX international. Bad idea?

I'm thinking of selling half the international in my taxable account and buying USA equities so I have some flexibility for future withdrawals. BTW, I'm only 50 so that might be in 25 years. I wouldn't bother. You could have the VTIAX dividends go to a US stock fund like VTSAX. In 25 years (even wi...
by Duckie
Sun Jan 13, 2019 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: New investor seeking feedback about retirement accounts
Replies: 13
Views: 858

Re: New investor seeking feedback about retirement accounts

Do not go with Betterment. Are they just bad? No. As a robo advisor they're not bad, but they usually buy lots of things in taxable you don't need because they don't take the rest of your portfolio into consideration. This also affects their tax-loss harvesting. When they sell they don't know what ...
by Duckie
Sat Jan 12, 2019 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: Should my partner contribute to his 403(b)?
Replies: 8
Views: 794

Re: Should my partner contribute to his 403(b)?

Fig Newtons , welcome to the forum. Tax Filing Status: MFJ, starting in TY 2019 (we's gettin' married!!) Congratulations! 401(k) (Hers) [contributing 10%; company match 10%] 90% Fid 500 Index (FXIAX) (0.015%) 5% Fid US Bond Index (FXNAX) (0.025%) 5% Vanguard Target 2055 (no ticker) (0.08%) Current ...
by Duckie
Fri Jan 11, 2019 9:59 pm
Forum: Investing - Help with Personal Investments
Topic: New investor seeking feedback about retirement accounts
Replies: 13
Views: 858

Re: New investor seeking feedback about retirement accounts

Debt: My wife has $151,206 worth of student loans Why? What degree did she get that hasn't been paid off by now? Age: 49 Desired Asset allocation: 75% stocks / 25% bonds 25% in bonds is low for your age. Taxable - we currently don't have a taxable account but we're ready to open one. Just not sure ...
by Duckie
Fri Jan 11, 2019 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review - planning AA change
Replies: 2
Views: 302

Re: Portfolio review - planning AA change

Contributions : Both 401Ks will be maxed at $19K+$6K catchup Both Rothss will maxed at $6K+$1K catchup Both HSAs will be maxed at $4450 $0 taxable You only list one HSA. What's the amount in the other? Suggestions on fund placement for easier management & rebalancing? See below. Should I consider o...
by Duckie
Fri Jan 11, 2019 8:02 pm
Forum: Investing - Help with Personal Investments
Topic: Lazy 3-fund portfolio at Fidelity
Replies: 4
Views: 557

Re: Lazy 3-fund portfolio at Fidelity

blacknotebooks , welcome to the forum. Since the recommended 3 Fidelity funds for a lazy portfolio (FSTVX/FTIPX/FSITX) are closed to new investors does it make sense to just use the new zero-fee funds to achieve this, FZROX/FZILX/FXNAX (not zero-fee)? You could. Or you could use FSKAX (formerly FST...
by Duckie
Fri Jan 11, 2019 7:45 pm
Forum: Investing - Help with Personal Investments
Topic: ISO - Bogglehead Financial Revamp
Replies: 3
Views: 402

Re: ISO - Bogglehead Financial Revamp

Age: 32 Desired Asset allocation: at least 85% stocks / 15% bonds An AA of 15% bonds is a little aggressive for your age but reasonable. Desired International allocation: ??% of stocks Vanguard has found between 20% and 40% of stocks in international to be the "sweet spot". See the Vanguard paper l...
by Duckie
Thu Jan 10, 2019 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: How did you solve the pre-medicare healthcare riddle?
Replies: 81
Views: 5636

Re: How did you solve the pre-medicare healthcare riddle?

Bloodsuckingleeches wrote:I would really like to hear some real-life examples of anyone who retired or semi-retired PRE MEDICARE and how they funded healthcare.
I retired at 50 over 12 years ago. I'm in California and have a standard Kaiser plan. My ex-employer currently subsidizes 10% which helps a little.
by Duckie
Thu Jan 10, 2019 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Same-year IRA recharacterization and conversion: Did I do this correctly?
Replies: 5
Views: 367

Re: Same-year IRA recharacterization and conversion: Did I do this correctly?

I hope I have not gotten myself into hot water. Please help me not lose more sleep over this tonight. You're fine. When you do your 2018 taxes you will fill out IRS Form 8606 . (Right now this is the 2017 form.) It will have (roughly) the following: Part I Line 1 -- $5,500 Line 2 -- 0 Line 3 -- 5,5...
by Duckie
Thu Jan 10, 2019 8:08 pm
Forum: Personal Consumer Issues
Topic: Techies: Advice on How to Transfer Data/Files from Old Mac to New Mac
Replies: 22
Views: 1387

Re: Techies: Advice on How to Transfer Data/Files from Old Mac to New Mac

I do want to copy my passwords and bookmarks to the new mac - that would me important, and I'm not sure how to do that. For bookmarks if you're using Safari, on the old computer with Safari open click on File > Export Bookmarks. That will create an HTML file. Transfer that file (using Time Machine,...
by Duckie
Thu Jan 10, 2019 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: 2019 Portfolio Check Up and Direction
Replies: 2
Views: 321

Re: 2019 Portfolio Check Up and Direction

401k ~50k (~8.5k in Roth and rest in traditional) 90% S&P500 (0.07 expense ratio) 7% Broad Market Bond Index Fund (0.08 expense ratio) 3% Company stock fund. part of company contributions go directly into this requiring periodic re-balancing I hope you sell the company stock as soon as allowed. Rot...
by Duckie
Thu Jan 10, 2019 7:09 pm
Forum: Investing - Help with Personal Investments
Topic: 35...am I on the right track? Feeling overwhelmed with options
Replies: 12
Views: 2050

Re: 35...am I on the right track? Feeling overwhelmed with options

viii welcome to the forum. I'm considering moving my 401k AND my Roth to an online firm. But who? Fidelity and Vanguard seem like good options. I recommend Vanguard, Fidelity or Schwab for your rollovers in that order. Additional possible curveball is that BofA checking is like zero %, should I jum...
by Duckie
Thu Jan 10, 2019 5:34 pm
Forum: Investing - Help with Personal Investments
Topic: Sell stock fund in taxable account and use the proceeds to buy back a similar stock fund in a 401k?
Replies: 6
Views: 854

Re: Sell stock fund in taxable account and use the proceeds to buy back a similar stock fund in a 401k?

I would like to stick with a two fund portfolio across all of my accounts for simplicity. These funds are Total Stock and Total Bond. So I would prefer not to add a municipal bond fund as I want the funds in taxable to be forever funds. You can make things too simple. If you need fixed income in ta...
by Duckie
Wed Jan 09, 2019 9:10 pm
Forum: Investing - Help with Personal Investments
Topic: Sell stock fund in taxable account and use the proceeds to buy back a similar stock fund in a 401k?
Replies: 6
Views: 854

Re: Sell stock fund in taxable account and use the proceeds to buy back a similar stock fund in a 401k?

Looks like even if I had municipal bonds in taxable, I would still have to sell 32k worth of stocks in taxable to get back to a 80% stocks /20% bonds allocation, which means I’d still have to sell sticks during a downturn, as shown below. <snip> Portfolio A): Retirement assets before change: $300k ...