Search found 5959 matches

by Duckie
Sun Oct 21, 2018 4:10 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA Contribrution - am I stuck?
Replies: 4
Views: 566

Re: Roth IRA Contribrution - am I stuck?

Within a few days of the contribution (and before December 31st), roll over the $5,500 from her TIRA to her existing Roth Account (also with Vanguard and currently under PAS). When converting the TIRA to the Roth IRA she needs to convert 100%, not a dollar amount. Account values shift. It's my unde...
by Duckie
Sat Oct 20, 2018 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: Municipal Money Market Fund
Replies: 15
Views: 1365

Re: Municipal Money Market Fund

I want to add municipal money market account to the portfolio. But it will not allow me to do this and only Fedral money market account is being allowed as an option. On the "Holdings" page under your brokerage account number you click on "Transact" >> "Buy Vanguard Funds". When it asks "Where's th...
by Duckie
Sat Oct 20, 2018 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: Am I doing it right?
Replies: 17
Views: 1381

Re: Am I doing it right?

Backdoor Roth sounds very very confusing. The process is not complicated. You make a non-deductible contribution to a TIRA and convert to a Roth IRA. However, there are two gotchas. The first is IRS Form 8606 . A lot of people can't seem to fill it out correctly. The second is making sure there are...
by Duckie
Sat Oct 20, 2018 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: Need to simplify portfolio
Replies: 6
Views: 549

Re: Need to simplify portfolio

Age: 42 Desired Asset allocation: 90% stocks / 10% bonds 10% bonds is aggressive at your age. I recommend 30% bonds. Desired International allocation: 25% of stocks This is reasonable. I also have a small pension from a previous employer, but I don’t know how to list it here If you plan to take the...
by Duckie
Sat Oct 20, 2018 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: Learning about all this financial stuff
Replies: 12
Views: 1134

Re: Learning about all this financial stuff

something's weird. When I click on your link that you copied from my post it doesn't show the article. But when I click on the link that I posted on my post, it comes right up. What's up with that? Click on the quote button and look at the following links: Your post has this: http://web.archive.org...
by Duckie
Thu Oct 18, 2018 7:29 pm
Forum: Investing - Help with Personal Investments
Topic: New member - American Funds to Vanguard
Replies: 3
Views: 591

Re: New member - American Funds to Vanguard

LoveToCT wrote:Do I just sell them off all at once and then buy the Vanguard index funds in my desired allocation?
Since this is a SEP IRA and there are no tax consequences, yes, sell them all and buy what you want.
by Duckie
Thu Oct 18, 2018 7:25 pm
Forum: Investing - Help with Personal Investments
Topic: Investments for HSA - California
Replies: 9
Views: 1031

Re: Investments for HSA

JayinLA wrote:Not sure how to edit the thread title, but thanks for the info!
To edit any post you click on the little pencil icon to the left of your name on that post. To edit the thread title you click on your first post and change the "Subject".
by Duckie
Wed Oct 17, 2018 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: [Help with 401k rollover, Roth conversion]
Replies: 3
Views: 322

Re: [Help with 401k rollover, Roth conversion]

jwc1754 , welcome to the forum. I am planning to rollover pre-tax 401k to Vanguard TIRA account this year. And planning to do ROTH conversion next year by myself. What tool should i use for ROTH conversion? You open a Roth IRA and either online or on the phone transfer the dollar amount you want to...
by Duckie
Wed Oct 17, 2018 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Spousal IRA contributions
Replies: 4
Views: 496

Re: Spousal IRA contributions

elgie23, welcome to the forum.
elgie23 wrote:For Spouse B - limited to 2k in IRA contributions, or can go to 5500 via spousal IRA rules?
Since you are married filing jointly, Spouse B can contribute $5.5K based on joint income.
by Duckie
Wed Oct 17, 2018 5:14 pm
Forum: Investing - Help with Personal Investments
Topic: Investments for HSA - California
Replies: 9
Views: 1031

Re: Investments for HSA

JayinLA , welcome to the forum. I currently have about $13,500 in an HSA through HSA Bank, with an attached TD Ameritrade account. <snip> Generally I feel I have a high risk tolerance but for the HSA I don’t feel I should be as aggressive. I’d prefer to find some less volatile higher yield securiti...
by Duckie
Mon Oct 15, 2018 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: Help: Moving Stocks to Index Fund
Replies: 9
Views: 1099

Re: Help: Moving Stocks to Index Fund

All the stocks are long. There are 15% stocks which have a loss. Is it advisable to just sell all and buy the index fund (and pay taxes)? $60K gains is about $9K in taxes at 15% or $12K at 20%. Depending on your tax bracket and available income I'd either sell it all at once or spread it over two t...
by Duckie
Mon Oct 15, 2018 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: checking/sharing my learning - Basics of investing
Replies: 6
Views: 640

Re: checking/sharing my learning - Basics of investing

Pooja , welcome to the forum. Im pooja and im very new to this stream. My husband asked me to open an account in this forum and to post whatever i have learned so far and in future i can ask questions in this forum , with your help now our life is little better . We are very thankful for your help ...
by Duckie
Sun Oct 14, 2018 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: Did anyone change Experian Credit Freeze Pin?
Replies: 5
Views: 754

Re: Did anyone change Experian Credit Freeze Pin?

Due to the breach and potential compromise of experian Pin, did anyone change yours at experian.com ? I did. If yes, can you please let me know how to do this? I followed the simple instructions on this page for changing it online. I filled out the first form for removing the freeze and two minutes...
by Duckie
Sun Oct 14, 2018 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: [Do I need to file IRS Form 1116?]
Replies: 10
Views: 748

Re: [Do I need to file IRS Form 1116?]

Form 1116 is so much headache! I agree. I hate that form. Now, I feel that I want to give up to claim Foreign Tax I paid since this form gives me so much frustration and taking so much my time. Is there any penalties or negative consequences to not file form 1116? No. If you don't file the form you...
by Duckie
Sun Oct 14, 2018 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: Invest in target date fund or do myself? Poor return Schwab Private Client
Replies: 23
Views: 2339

Re: Invest in target date fund or do myself? Poor return Schwab Private Client

Question: why bad idea to have taxable account in V 2030--obviously must bring too much in taxes and where you would put muni's and other bonds? 2030 has 25% bonds now and will eventually shift to 70% bonds. These bonds are taxable, kicking out a lot of non-qualified dividends. At your asset level ...
by Duckie
Sun Oct 14, 2018 4:59 pm
Forum: Investing - Help with Personal Investments
Topic: Help with asset allocation for a retired 65 yo?
Replies: 9
Views: 912

Re: Help with asset allocation for a retired 65 yo?

Let me help you with my numbers. Traditional IRA 258K, leaning more towards 40% stocks, 60% bonds. I did some learning about Mr. Bogles philosophy after I posted. International I am concerned about giving all the unrest with many countries and the US at present. Okay, more bonds and fewer internati...
by Duckie
Sat Oct 13, 2018 6:38 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard - Transitioning to new platform
Replies: 8
Views: 1456

Re: Vanguard - Transitioning to new platform

MrSlippery wrote:But maybe since I'm not working now, I can simply say I am unemployed?
Yes. At this point you're not working. You're not being paid. It's the truth. You are unemployed.
by Duckie
Sat Oct 13, 2018 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Options help (beginner)
Replies: 18
Views: 776

Re: 401k Options help (beginner)

I took a look at the wiki page “Approximating the Total Stock Market” and if I am trying to mimic the Vanguard Total Stock Market then I should have a blend of 24% Large Value, 24% Large Blend, 25% Large Growth, 6% Mid Value, 6% Mid Blend, 6% Mid Growth, 3% Small Value, 3% Small Blend, and 3% Small...
by Duckie
Sat Oct 13, 2018 5:59 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 401K allocation
Replies: 4
Views: 355

Re: Help with 401K allocation

I was doing 90% stock (61% S& P, 2% small cap, 27% international) and 10% bond. 10% bonds is low for age 42 and 2% anything is a waste of effort. Based on the list of funds provided below, what would you recommend implementing the three fund portfolio, the suggestion in the Boglehead's Guide to Inv...
by Duckie
Sat Oct 13, 2018 5:00 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Options help (beginner)
Replies: 18
Views: 776

Re: 401k Options help (beginner)

I took a look at the wiki page “Approximating the Total Stock Market” and if I am trying to mimic the Vanguard Total Stock Market then I should have a blend of 24% Large Value, 24% Large Blend, 25% Large Growth, 6% Mid Value, 6% Mid Blend, 6% Mid Growth, 3% Small Value, 3% Small Blend, and 3% Small...
by Duckie
Sat Oct 13, 2018 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: Help with asset allocation for a retired 65 yo?
Replies: 9
Views: 912

Re: Help with asset allocation for a retired 65 yo?

walrus65 , welcome to the forum. Am in the process of consolidating all my IRA's from other companies into Vanguard. Do not need to use this money for about 5 more years until RMDs will need to be taken. I have money in an annuity in another company and a good emergency fund in other places. Any he...
by Duckie
Sat Oct 13, 2018 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice
Replies: 3
Views: 434

Re: Portfolio advice

My current International Stock Market allocation (1%) is less than desired (15%). Would it be sensible to rebalance my 401k to be 100% VTIAX until I achieve the desired overall portfolio allocation? That would work. If you want to get to 15% faster, then in your Roth IRA switch VTSMX to VGTSX. That...
by Duckie
Sat Oct 13, 2018 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: Invest in target date fund or do myself? Poor return Schwab Private Client
Replies: 23
Views: 2339

Re: Invest in target date fund or do myself? Poor return Schwab Private Client

TopCat123 , welcome to the forum. I am new member. Low 60's age, should be mod aggressive investor. Have one million to invest and don't need money for at least 10,to 15 years. Schwab Private Client for 4 years and lagged against all benchmarks. Am now down -4.3% YTD w 67% stock. Husband in Vanguar...
by Duckie
Fri Oct 12, 2018 10:23 pm
Forum: Investing - Help with Personal Investments
Topic: Help Choose: No REIT or Int'l Small options in 403B
Replies: 5
Views: 354

Re: Help Choose: No REIT or Int'l Small options in 403B

gobigrad wrote:I found the other bond choices.
OPBIX is a decent bond fund but FSITX/AGG in your solo 401k/HSAs are better and cheaper.
by Duckie
Fri Oct 12, 2018 9:52 pm
Forum: Investing - Theory, News & General
Topic: 401k/IRA vs. Roth IRA
Replies: 9
Views: 660

Re: 401k/IRA vs. Roth IRA

it seems BHs prefer bond index in IRA/401k and stocks index and int'l index in Roth IRA, why? In general it's better to put assets with higher expected growth (stocks) in Roth accounts and assets with lower expected growth (bonds) in pre-tax accounts. That's because you've already paid the taxes in...
by Duckie
Fri Oct 12, 2018 9:44 pm
Forum: Investing - Help with Personal Investments
Topic: Can you contribute to Solo 401(k) if you have SEP-IRA with other company?
Replies: 1
Views: 185

Re: Can you contribute to Solo 401(k) if you have SEP-IRA with other company?

Can she open a single-participant 401(k) (AKA solo or individual 401(k)) and make additional contributions? Yes. Since her SEP IRA is unaffiliated she could open a solo 401k and contribute up to $18.5K (if under age 50) as the employEE plus up to ~20% of net income as the employER. There is a $55K ...
by Duckie
Fri Oct 12, 2018 9:34 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Options help (beginner)
Replies: 18
Views: 776

Re: 401k Options help (beginner)

I’ve recently decided to take a more active role with my 401k plan through my work after having been enrolled in the Goalmaker Plan through Prudential for the passed 5 years. Currently I’m in a “Conservative, 16+ year to retirement” plan. What is the expense ratio for that option? Also plan on open...
by Duckie
Fri Oct 12, 2018 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: Help Choose: No REIT or Int'l Small options in 403B
Replies: 5
Views: 354

Re: Help Choose: No REIT or Int'l Small options in 403B

gobigrad , welcome to the forum. Desired Asset allocation: 80% stocks (25% US, 25% Intl, 10% REIT, 10% US Small Cap, 10% Intl Small), 20% bonds That's unnecessarily complicated and will make rebalancing more difficult. I put your list in the below example, but I recommend you drop the two small cap...
by Duckie
Fri Oct 12, 2018 7:48 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity 401k and Hello
Replies: 20
Views: 1016

Re: Fidelity 401k and Hello

CalculatedRisk wrote:Anyone care to enlighten me on why Bogleheads spend so much time picking through the limited/expensive 401k options and not immediately recommending a self-directed brokerage account?
Many plan don't offer a self-directed brokerage account. Any many that do offer it have extra fees tacked on.
by Duckie
Fri Oct 12, 2018 7:28 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Guidance
Replies: 8
Views: 483

Re: Portfolio Guidance

Am I allocated too aggressively? I'd add some bonds, at least 10%. 20% would be better. Should I be in total market funds where available or is an S&P500 fund ok? I prefer total market myself. But the big issue I see is FIGFX which has a 1.03% expense ratio. You're much better off in FTIGX Fidelity...
by Duckie
Wed Oct 10, 2018 8:18 pm
Forum: Investing - Help with Personal Investments
Topic: Sell it all
Replies: 11
Views: 2739

Re: Sell it all

videocrafters , welcome to the forum. My question now is does selling everything at once to reinvest in a different style of investing make sense or am i missing something? Simplifying does make sense and you are not missing anything. Combine the SEP IRA with one of the TIRAs to reduce the number o...
by Duckie
Wed Oct 10, 2018 8:10 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice Requested
Replies: 4
Views: 232

Re: Portfolio Advice Requested

sumac2001 , welcome to the forum. Desired asset allocation: 70% stock and 30% bonds: Please provide suggestions: 30% bonds is a little aggressive for age 56. Also, you don't state your international AA. You've got 15/70 in the Roth IRAs and 24/70 in the 401k. The follow are my taxable funds which I...
by Duckie
Wed Oct 10, 2018 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: Help with options for smart savings/investments?
Replies: 1
Views: 235

Re: Help with options for smart savings/investments?

lucyve , welcome to the forum. From my research so far, I like the Roth IRA with Vanguard, and the 3 fund portfolio idea sounds sensible. With limits to contributions of 5.5k a year, I can probably save at least another 5k per year. What to do with that? I probably won't need the money until I'm 60...
by Duckie
Tue Oct 09, 2018 9:41 pm
Forum: Investing - Help with Personal Investments
Topic: STILL NEED HELP! Messed Up Backdoor Roth in April 2018
Replies: 7
Views: 540

Re: HELP! Messed Up Backdoor Roth in April 2018

Dominica wrote:Could I just roll the roth IRA funds into the solo 401K? or must I roll the traditional IRA funds into the solo 401k
You are not allowed to roll Roth IRA assets into a solo 401k. In order to avoid the pro-rata rule problem you must roll the Traditional IRA assets.
by Duckie
Tue Oct 09, 2018 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: STILL NEED HELP! Messed Up Backdoor Roth in April 2018
Replies: 7
Views: 540

Re: HELP! Messed Up Backdoor Roth in April 2018

Dominica , welcome to the forum. Can I unwind ? You can't un-convert. Recharacterizing a conversion used to be possible, but no longer. If you can't "hide" the TIRA you'll have to pay taxes on almost all of the $6500 conversion. How to best deal with this? Since I do have my own business, is the on...
by Duckie
Tue Oct 09, 2018 8:02 pm
Forum: Investing - Help with Personal Investments
Topic: Help with American Funds 401k Plan
Replies: 5
Views: 407

Re: Help with American Funds 401k Plan

mindmaniac , welcome to the forum. Since I don't qualify for a standard Roth IRA would it be advisable to a backdoor Roth IRA and should I consider a Roth 401k vs std 401k? I've got $15,000 sitting a in std IRA and don't have an accountant yet to explain the tax implications if I do a backdoor Roth...
by Duckie
Tue Oct 09, 2018 7:45 pm
Forum: Investing - Help with Personal Investments
Topic: Revisiting my Porfolio after 5 years - Need inputs/suggestions
Replies: 9
Views: 1153

Re: Revisiting my Porfolio after 5 years - Need inputs/suggestions

niceguy7376 wrote:As for TLH in brokerage, if I need to have SP500 instead of total stock to do TLH, what would be another fund to TLH into?
(VLCAX) Vanguard Large-Cap Index Fund Admiral Shares (0.05%)
by Duckie
Tue Oct 09, 2018 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: Diversifying equities
Replies: 2
Views: 200

Re: Diversifying equities

siggy71 , welcome to the forum. The situation: about 240K in Fidelity Fund, very aggressive, predominantly equities. Fidelity Fund (FFIDX) has an expense ratio of 0.50%. That's high. How much of the $240K is gains? Do any of the shares have a loss? At the very least turn off all automatic reinvestm...
by Duckie
Tue Oct 09, 2018 7:26 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking about selling VTSMX to buy VIGRX & VISGX
Replies: 14
Views: 1342

Re: Thinking about selling VTSMX to buy VIGRX & VISGX

Aeiouoiea wrote:Such a fool I am.
You're not a fool. You asked before you jumped. Many times people come on this board and say, "I just did this and this. What do you think?" And what we think is, "Dang, why on earth did you do that?"
by Duckie
Tue Oct 09, 2018 6:24 pm
Forum: Investing - Help with Personal Investments
Topic: Savings Plus Now Investment Confusion (401k and 457)
Replies: 13
Views: 969

Re: Savings Plus Now Investment Confusion (401k and 457)

Quick aside: why 6% for mid cap and 14% for small cap? I have been using 80/10/10. That wrong (if goal to mimic VTSAX)? 80/10/10 is close enough. The last time I typed the ticker symbols (VFINX, VIMSX, and NAESX) into the Instant X-Ray on Morningstar it took a combination of 80/6/14 to match the VT...
by Duckie
Mon Oct 08, 2018 6:25 pm
Forum: Investing - Help with Personal Investments
Topic: Fixing a messy portfolio
Replies: 11
Views: 1133

Re: Fixing a messy portfolio

The Principal website confuses me here too. It says I am making 100% Roth contributions to my 401k. Not "Roth 401k", though. I don't know if that means the same thing or not. It does. With my income, should I have more in tax-sheltered or taxable? I expect my income to go up 40k in my career, but t...
by Duckie
Mon Oct 08, 2018 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Portfolio Watch advice
Replies: 14
Views: 1098

Re: Vanguard Portfolio Watch advice

I may try to use the Morningstar X-ray to see the make-up of my stock allocations just to compare as I think I can do that without a fee. In order to use the free Instant X-Ray you have to join Morningstar, but that costs nothing. Once logged in you click on "More" and find "Instant X-Ray" under "T...
by Duckie
Mon Oct 08, 2018 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: 4 ETF porforlio
Replies: 4
Views: 443

Re: 4 ETF porforlio

In my personal account, I have a roth IRA and a taxable account. I was wondering what is the best way to distribute these 4 ETFs (which one goes into roth vs taxable account). Will you please give me some advice? These are my 4 ETFs: 1) VTI 2) VXUS 3) BND 4) VNQ <snip> I also have employee retireme...
by Duckie
Sun Oct 07, 2018 4:50 pm
Forum: Investing - Help with Personal Investments
Topic: Fixing a messy portfolio
Replies: 11
Views: 1133

Re: Fixing a messy portfolio

I have about 1,000 shares in the company that will hopefully become something one day Where exactly are these shares? ESPP, RSUs, your personal taxable account? Where? I’m assuming I should still be maxing out my 401k even if the funds are not good, but someone correct me if I’m mistaken. Yes. The ...
by Duckie
Sat Oct 06, 2018 6:19 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in Roth IRA: Differences from taxable account and pre-tax investments
Replies: 7
Views: 549

Re: Investing in Roth IRA: Differences from taxable account and pre-tax investments

Investing in bonds in Roth IRA: Given that I won't touch the money in Roth IRA for years (I'm 34), I don't really want to invest too much into bonds. Is investing in bonds in Roth IRA any different than investing in bonds in pre-tax 401K in terms of tax efficiency? In terms of current tax efficienc...
by Duckie
Fri Oct 05, 2018 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Question about form 8606 (backdoor roth related)
Replies: 3
Views: 292

Re: Question about form 8606 (backdoor roth related)

Why does it appear as tIRA basis (line 14) and not taxable amount (line 18)? I think it has to do with rounding up on line 10. Line 10 should be 0.9996365. Part I Line 1 -- 5,500 Line 2 -- 0 or blank Line 3 -- 5,500 Line 4 -- 0 or blank Line 5 -- 5,500 Line 6 -- 0 Line 7 -- 0 or blank Line 8 -- 5,5...
by Duckie
Fri Oct 05, 2018 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Adding spouse as W-2 for S-corp
Replies: 1
Views: 214

Re: Adding spouse as W-2 for S-corp

What amount would one have to pay a spousal employee to make it worthwhile? <snip> Currently spouse unable to contribute to retirement due to MFJ income being too high and unemployed officially. Has existing tIRA that had former 401ks rolled into it. If spouse wants to contribute to a Roth IRA usin...
by Duckie
Fri Oct 05, 2018 5:59 pm
Forum: Investing - Theory, News & General
Topic: Transition to Vanguard's new investment platform???
Replies: 17
Views: 2168

Re: Transition to Vanguard's new investment platform???

hamishdad wrote:I was just hoping for a simple answer to my question -- is it required or optional?
It's optional right now. There will come a time when it won't be. You will have to either switch or leave.
by Duckie
Fri Oct 05, 2018 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: Fixing a messy portfolio
Replies: 11
Views: 1133

Re: Fixing a messy portfolio

afosterl , welcome to the forum. Age: 25 Desired Asset allocation: 80% stocks / 20% bonds (?? Not sure) Reasonable. Desired International allocation: 30% of stocks (?? Not sure) Reasonable. Vanguard has found between 20% and 40% of stocks in international to be the "sweet spot". See the Vanguard pa...
by Duckie
Fri Oct 05, 2018 5:24 pm
Forum: Investing - Help with Personal Investments
Topic: Best Small Business Retirement Plan Option
Replies: 2
Views: 273

Re: Best Small Business Retirement Plan Option

From what I have researched, it seems like a self-employed 401-k or a SEP IRA would be most advantageous. Does anyone have any strong feelings/advice for one versus the other? Since you have no employees, a solo 401k is the better option. Depending on your income you could contribute more to a solo...