Search found 5657 matches

by Duckie
Sat Jun 16, 2018 7:06 pm
Forum: Investing - Theory, News & General
Topic: New Fidelity Freedom Funds?
Replies: 7
Views: 1176

Re: New Fidelity Freedom Funds?

davidkw wrote:Fidelity does not make it easy to find the Freedom Index Funds. Under their Asset Allocation Tab - The Index version does not show up. Fidelity Target
You have to know how to work the system: Fidelity "Allocation" Funds.
by Duckie
Sat Jun 16, 2018 5:10 pm
Forum: Investing - Help with Personal Investments
Topic: Are international stocks in a 529 a bad idea?
Replies: 5
Views: 403

Re: Are international stocks in a 529 a bad idea?

Due to the foreign tax credit, am I correct in thinking that VGTSX is very similar to VTSMX in terms of tax efficiency? In 2017 the dividends for Total Stock Market (TSM) were about 95% qualified and the dividends for Total International Stock Market (TISM) were about 67% qualified. This made TSM b...
by Duckie
Thu Jun 14, 2018 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Roth 401k Allocations
Replies: 3
Views: 169

Re: Help with Roth 401k Allocations

cmz , welcome to the forum. I have a Roth 401(k) plan with my employer through Fidelity. They automatically put me in the Fidelity Freedom 2050 Fund - Class K (I'm 32). I'm new at this and have a bunch of options. Can someone please help me out here with which funds I should be in and what percenta...
by Duckie
Thu Jun 14, 2018 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: Help with buying municipal bonds please
Replies: 4
Views: 770

Re: Help with buying municipal bonds please

I’ve got 100K in retirement at 90:10 stocks/bonds all tax-protected accounts. Are muni bonds a good way to go for my first non-tax protected investment if I’d like to get to 80:20? No. If you want more bonds add them to the tax-sheltered accounts. Put stocks in taxable accounts. Where do I buy muni...
by Duckie
Thu Jun 14, 2018 3:47 pm
Forum: Investing - Help with Personal Investments
Topic: New Investor Eligible for 401k- Help
Replies: 4
Views: 272

Re: New Investor Eligible for 401k- Help

Listed below are the options for our 401k. The best options are: Vanguard Total Stock Mkt Idx Adm 0.04% -- Complete US stocks American Funds EuroPacific Gr R6 0.49% -- Good international stock fund, expensive Vanguard Interm-Term Bond Index Adm 0.07% -- US bonds I'd use the 401k for bonds and US st...
by Duckie
Wed Jun 13, 2018 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: Recently Paid Off School Loan - Millennial Couple Seeking Advice & Guidance
Replies: 17
Views: 972

Re: Recently Paid Off School Loan - Millennial Couple Seeking Advice & Guidance

One more thought i'd like to confirm with you - since we don't currently have any existing IRA, when we do roth conversion, would it be best that all our tax-advantaged dollars are in 401k, as opposed to IRA, to ensure no taxable event is triggered? For instance, let's say i change job, i would eit...
by Duckie
Wed Jun 13, 2018 5:10 pm
Forum: Investing - Help with Personal Investments
Topic: Recently Paid Off School Loan - Millennial Couple Seeking Advice & Guidance
Replies: 17
Views: 972

Re: Recently Paid Off School Loan - Millennial Couple Seeking Advice & Guidance

The benefit from this practice would be the tax-free growth for the amount, versus if i were to put that money to taxable account where growth is taxed, correct? Correct. I have to confess that i initially omitted IRA due to the contribution limit of just $5500/yr You're planning on jointly contrib...
by Duckie
Wed Jun 13, 2018 4:19 pm
Forum: Investing - Help with Personal Investments
Topic: Recently Paid Off School Loan - Millennial Couple Seeking Advice & Guidance
Replies: 17
Views: 972

Re: Recently Paid Off School Loan - Millennial Couple Seeking Advice & Guidance

Contributions Tax-Advantaged: 401K: We are currently maxing out both of ours starting in 2018 and planning to do so for as long as we have our W-2 jobs. Previously we didn't contribute due to student loan and saving for house downpayment IRAs: $0 due to phase-out limit Taxable: Vanguard Joint: $6k/...
by Duckie
Wed Jun 13, 2018 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: How to sell physical certificate for UK shares to USD?
Replies: 2
Views: 156

Re: How to sell physical certificate for UK shares to USD?

bellucci , welcome to the forum. I'm a US citizen based in New York City. I own a bunch of shares in Pearson, the UK company. These shares are for the stock listed on the London exchange, not the US version of the stock listed on NYSE). I have a physical share certificate, managed by the registrar ...
by Duckie
Wed Jun 13, 2018 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Contribution for Married Couples
Replies: 5
Views: 491

Re: 401K Contribution for Married Couples

Drock3307 wrote:My 401K returns are awful compared to my wife's...
Returns depend on the options chosen and their expense ratios. What are the options in her 401k and in your 401k? List the fund names, ticker symbols, and plan expense ratios.
by Duckie
Wed Jun 13, 2018 3:04 pm
Forum: Investing - Help with Personal Investments
Topic: Help with New Retirement Plan Option
Replies: 4
Views: 460

Re: Help with New Retirement Plan Option

My retirement plan now offers a new option: “We are happy to announce an exciting new upgrade to our 403(b)/401(k) retirement plans. We're replacing the existing after-tax contribution option with a Roth option. Does "after-tax" mean you previously were allowed to contribute an extra $36.5K to an a...
by Duckie
Tue Jun 12, 2018 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: help deciphering past taxed IRA to roth conversion pros/cons
Replies: 6
Views: 435

Re: help deciphering past taxed IRA to roth conversion pros/cons

swampdoctor , welcome to the forum. My understanding is I would have to file form 8606 for all prior years (2015-present), and then convert and file the 8606 for this year. In future years I would do the swift ~2 day turnaround IRA contribution and Roth IRA conversion etc, and file the 8606 annuall...
by Duckie
Mon Jun 11, 2018 7:35 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on asset allocation and strategy
Replies: 5
Views: 411

Re: Advice on asset allocation and strategy

We only use taxable accounts at Vanguard. While the Fidelity account is technically ours, it will be gifted to us in a few years. We don't touch it even though it's in my wife's name. So, everything we invest goes into the Vanguard taxable account. So I would say they manage the Fidelity taxable ac...
by Duckie
Mon Jun 11, 2018 6:20 pm
Forum: Investing - Help with Personal Investments
Topic: Are international stocks in a 529 a bad idea?
Replies: 5
Views: 403

Re: Are international stocks in a 529 a bad idea?

From my limited understanding, you're taxed on dividends paid to you while you own a stock, as well as the gain realized once you sell the stock. Am I right in thinking that a 529 exempts you from both of these taxes? Yes. You don't pay taxes on the earnings as long as you use withdrawals for quali...
by Duckie
Mon Jun 11, 2018 4:55 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on asset allocation and strategy
Replies: 5
Views: 411

Re: Advice on asset allocation and strategy

conlaw1234 , welcome to the forum. Age: 31 and wife is 30 Desired Asset allocation: 90% stocks / 10% bonds but this is also something I’d appreciate guidance. At your ages I'd be at least 20% bonds. Desired International allocation: 20% of stocks but this is also something I’d appreciate guidance. ...
by Duckie
Fri Jun 08, 2018 5:46 pm
Forum: Investing - Help with Personal Investments
Topic: brokerage account conversion
Replies: 32
Views: 3109

Re: brokerage account conversion

We checked and the 401a is just a straight employer contribution account - based on a % of her net pay. Unfortunately, its not an account to which my wife can make additional contributions. That leaves us with the two 403b (hers and mine) ($37K annual max) plus another $11K in back door roths - for...
by Duckie
Thu Jun 07, 2018 4:50 pm
Forum: Investing - Help with Personal Investments
Topic: Investing a lump sum payout
Replies: 8
Views: 667

Re: Investing a lump sum payout

I make 150K+ which I believe disallows me from contributing directly to a Roth? Correct, you're over the income limit . Check out Backdoor Roth IRA . Sorry, not totally familiar with all the terms, FI means? In this case FI = Fixed Income = Cash/Bonds. (It can also mean Financial Independence.) In ...
by Duckie
Thu Jun 07, 2018 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: which vanguard funds for my situation?
Replies: 7
Views: 522

Re: which vanguard funds for my situation?

Swiftessence, welcome to the forum.
Swiftessence wrote: I've read through most of the wiki here and found no specific recommendation of the mutual funds to pick in vanguard.
Check out the Three-fund portfolio.
by Duckie
Tue Jun 05, 2018 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: Teacher 403b TSA HELP Please!
Replies: 9
Views: 699

Re: Teacher 403b TSA HELP Please!

I will investigate on my own but if anyone has any advice that can save me some time (rather than go through all of these !!!) that would be much appreciated. The only way to know is to check each provider individually. However, I would start with Voya and Security Benefit. If Security Benefit offe...
by Duckie
Tue Jun 05, 2018 5:14 pm
Forum: Investing - Help with Personal Investments
Topic: SCHX vx SCHB
Replies: 13
Views: 758

Re: SCHX vx SCHB

Creditcardguy wrote:I just saw someone posted "when available" a few posts up, and was confused.
The comment from ruralavalon was about preferring a total stock market index fund when available. Sometimes in employer plans that option is not available.
by Duckie
Tue Jun 05, 2018 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: Where do I put this inherited pension?
Replies: 9
Views: 1045

Re: Where do I put this inherited pension?

I currently invest fully in a backdoor roth IRA and I don't really want to complicate that by having money left over in an IRA at the end of the year. Would this extra money in the IRA be counted toward the basis calculation? No. With an inherited IRA you are the beneficiary, not the owner. It is n...
by Duckie
Mon Jun 04, 2018 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: Allocating Our Portfolio
Replies: 5
Views: 510

Re: Allocating Our Portfolio

Age: 36 Desired Asset allocation: ~70% stocks / ~30% bonds Desired International allocation: ~33% of stocks That AA is reasonable for your age. It breaks down to 47% US stocks, 23% international stocks, and 30% bonds. (33% of 70% is 23%.) Her Rollover IRA at Fidelity 24% FSIIX: Fidelity® Internatio...
by Duckie
Mon Jun 04, 2018 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: brokerage account conversion
Replies: 32
Views: 3109

Re: brokerage account conversion

Given the $18K annual limit on 403b and 401a contributions, while doubtful, I'm wondering if there is another way of increasing contributions to our employer sponsored plans. First, the 403b limit is $18.5K for each of you. I'm not sure about the 401a limit. She needs to check that. If the 401a lim...
by Duckie
Mon Jun 04, 2018 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: Help with AA 401k and roth ira
Replies: 10
Views: 890

Re: Help with AA 401k and roth ira

I chose portfolio #1 . However that means I have to transfer funds from 1 to others. What do you mean you "have to transfer funds"? You will have to sell some things and buy others inside the accounts but you won't be moving money from one account to another. My question is the total balance will m...
by Duckie
Sun Jun 03, 2018 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: Help reallocating my company 401k fund choices and Taxable account help
Replies: 5
Views: 361

Re: Help reallocating my company 401k fund choices and Taxable account help

So with your recommendations for bonds in my 401k it sounds like its really too late for me to try to be more aggressive now that I'm finally able to put more money in my retire accounts? You're 53 and plan to retire in seven years. Now is not the time to take a lot of risks. Contribute as much as ...
by Duckie
Sun Jun 03, 2018 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: Help reallocating my company 401k fund choices and Taxable account help
Replies: 5
Views: 361

Re: Help reallocating my company 401k fund choices and Taxable account help

dok0619 , welcome to the forum. Tax Filing Status: (Married Filing Jointly-wife is already retired) Does your wife have any retirement accounts? Age: 53 Desired Asset allocation: unsure At your age I recommend 60% stocks and 40% bonds as a starting point. You may want to have more bonds soon, maybe...
by Duckie
Thu May 31, 2018 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 401(k) selections
Replies: 2
Views: 182

Re: Help with 401(k) selections

I just started a new job and am looking for advice picking funds, I've always invested in Vanguard's Target date 2045 fund up until this point and I'd like to mirror that if possible. VIIIX, FSEVX and VBTLX look close (60/30/10?), but I'd like a more experienced opinion. Maybe Fidelity's Target Dat...
by Duckie
Wed May 30, 2018 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: Supplementing Ohio Teacher's DB Retirement Plan
Replies: 10
Views: 746

Re: Supplementing Ohio Teacher's DB Retirement Plan

Columbus Eagle , welcome to the forum. What is the next step in identifying the best company/option to go with? 403b plans really make you work for it. Your wife will need to contact each provider and get the list of options. This list should include the fund names, ticker symbols if available, and...
by Duckie
Tue May 29, 2018 6:51 pm
Forum: Personal Consumer Issues
Topic: 3 days in Boston with an 8 year old
Replies: 31
Views: 2056

Re: 3 days in Boston with an 8 year old

GerryL wrote:People keep mentioning Duck Boats. What are those?
Boston Duck Tours
by Duckie
Sat May 26, 2018 6:49 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for guidance on implementing 3 fund portfolio
Replies: 10
Views: 1422

Re: Looking for guidance on implementing 3 fund portfolio

401k[/b] ($72k) (VFORX)(.15%) - Company matches and I max out contributions yearly VFORX is 85/15. If you want 80/20 pick a different target-date fund. Or better yet, pick an individual fund (one with only US stocks, or only international stocks, or only US bonds) to make rebalancing easier with th...
by Duckie
Fri May 25, 2018 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth Question
Replies: 5
Views: 513

Re: Backdoor Roth Question

2. Automate contributions to a traditional IRA throughout the year (I'm a big fan of automating investments/savings) and then at the end of the year convert over. The root of my question is how are any gains/losses handled when the conversion is done if I do option 2? Gains will be taxable and loss...
by Duckie
Thu May 24, 2018 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: Investment advice - New job/House proceeds/Please help
Replies: 4
Views: 358

Re: Investment advice - New job/House proceeds/Please help

I like the idea of combining into my TSP, but wouldn't I lose the benefit of the governmental 457b (No early withdrawal penalty)? You would lose that benefit. I've gotten some more information on my new 457b. It's with ICMARC who I take it doesn't have a good reputation, but the plan seems decent. ...
by Duckie
Wed May 23, 2018 5:35 pm
Forum: Investing - Help with Personal Investments
Topic: Should I invest in expensive 457 plan?
Replies: 24
Views: 1494

Re: Should I invest in expensive 457 plan?

I'm guessing I can't do threaded replies? If by "threaded" you mean quotes you need to hit the "quote mark" to the left of the person's name on the post. (If you ever want to see how someone has done something, hitting the quote mark lets you see the coding.) Is the 457b plan a government or non-go...
by Duckie
Wed May 23, 2018 4:43 pm
Forum: Investing - Help with Personal Investments
Topic: Should I invest in expensive 457 plan?
Replies: 24
Views: 1494

Re: Should I invest in expensive 457 plan?

I would like to add more to my retirement saving through a 457 option (I believe I can add an extra $18,500-$24,500) through my school district. The option they provide offer Vanguard funds, but they tack on an extra .7% for expenses! Do they tack on the extra 0.70% fee for all funds or just Vangua...
by Duckie
Wed May 23, 2018 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: Investment advice - New job/House proceeds/Please help
Replies: 4
Views: 358

Re: Investment advice - New job/House proceeds/Please help

Orca87 , welcome to the forum. $0 his IRA/Roth IRA (2019 income 133k single anticipated - I think I'm over the limit. AGI might be under, but at that point It sounds easier to not invest) If you expect your 2019 income to be above the Roth IRA contribution limit then consider the Backdoor Roth IRA ...
by Duckie
Wed May 23, 2018 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review Request
Replies: 9
Views: 853

Re: Portfolio Review Request

If I can only invest 20 or 25% of that $500 in a SEP/SIMPLE, is it worth the paperwork to put away another $100 or $125? You can only contribute ~20% of that $500 to the SEP IRA as the employER, but you can contribute most of the $500 to the SIMPLE IRA as the employEE plus 3% as the employER. I'm n...
by Duckie
Wed May 23, 2018 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: Advice, new to investing but a bit older
Replies: 6
Views: 1005

Re: Advice, new to investing but a bit older

Would you suggest concentrating the total bond portion in the 403b TSA, and equities in the Roth accounts? Yes. Any suggestions for the taxable? A total US stock fund and a total international stock fund. At Vanguard they would be ( VTSAX ) Vanguard Total Stock Market Index Fund Admiral Shares (0.0...
by Duckie
Wed May 23, 2018 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio help
Replies: 7
Views: 696

Re: Portfolio help

I see that the her 401k does not add up properly in your suggestion. Would it be 11% SP 500 instead of 21%? :oops: Yes. Here are all available funds in the HSA. Depending on the HSA purpose (use for current expenses or save for retirement) these are the best options: Vanguard 500 Index VFIAX 0.04 V...
by Duckie
Tue May 22, 2018 6:13 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review Request
Replies: 9
Views: 853

Re: Portfolio Review Request

Age: 42.5 <snip> Desired Asset allocation: 90-100% Stocks 0-10% Bonds At your age I'd be 30% bonds. Desired International allocation: 10-20% 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...
by Duckie
Tue May 22, 2018 5:43 pm
Forum: Investing - Help with Personal Investments
Topic: Advice, new to investing but a bit older
Replies: 6
Views: 1005

Re: Advice, new to investing but a bit older

Delilah , welcome to the forum. Age 51, 9-10 years away from earliest retirement date at age 60-61 Desired A A: Not sure, need advice At your age I'd start with 60% stocks and 40% bonds. Desired International: Need advice Vanguard has found between 20% and 40% of stocks in international to be the "...
by Duckie
Tue May 22, 2018 5:11 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio help
Replies: 7
Views: 696

Re: Portfolio help

I feel ok doing it, but should I even be maxing my 401k with the high ER? Yes. Although high for Bogleheads, 0.70% is not high for a 401k. Does this allocation make sense across our accounts? I tried to keep everything as simple as possible, it's just a little complicated in her 401k. I'm trying to...
by Duckie
Tue May 22, 2018 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: Should I rollover VTSAX into 401k to do backdoor Roth? [Vanguard Total Stock]
Replies: 7
Views: 545

Re: Should I rollover VTSAX into 401k to do backdoor Roth? [Vanguard Total Stock]

financeforthefamily wrote:In the longrun, is this worth it? I’ll be paying more in fees and possibly not getting similar investment returns as VTSAX.
What are the options in the 401k plan? List the fund names, ticker symbols, and plan expense ratios.
by Duckie
Mon May 21, 2018 5:59 pm
Forum: Personal Consumer Issues
Topic: Riding from the mountains of Slovenia to the mountains of Italy
Replies: 15
Views: 1541

Re: Riding from the mountains of Slovenia to the mountains of Italy

wenzee wrote:How can we view pictures of this lovely trip?
When he gets done he'll probably post the details with pictures on his Bike Touring Journals page.
by Duckie
Sun May 20, 2018 8:01 pm
Forum: Investing - Help with Personal Investments
Topic: When to and when not to “reinvest dividend and capital gains”
Replies: 24
Views: 2417

Re: When to and when not to “reinvest dividend and capital gains”

Should my age play a role on whether I should reinvest the dividends and capital gains in my taxed and tax advantaged accounts? No, age has nothing to do with it. In your tax-sheltered accounts set them up to automatically reinvest all dividends/distributions. There's no reason not to. You can swap...
by Duckie
Sun May 20, 2018 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: Sub-par options from employer 403b
Replies: 7
Views: 223

Re: Sub-par options from employer 403b

I'm in my mid 20s, starting a new job in a couple months, and it looks like my options at my new 403b aren't optimal. What do you mean? You have some great options: Vanguard Institutional Index 0.04% -- Large caps, 80% of US stocks Vanguard Small-Cap Index 0.04% -- Small caps, 14% of US stocks Vang...
by Duckie
Sun May 20, 2018 6:33 pm
Forum: Investing - Help with Personal Investments
Topic: New retirement plan asset allocation
Replies: 4
Views: 547

Re: New retirement plan asset allocation

Why get FI out of rIRA? I thought they are Tax Inefficient. 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 the Roth accounts so future growt...
by Duckie
Sun May 20, 2018 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review
Replies: 8
Views: 973

Re: Portfolio review

You have listed BlackRock U.S. Debt Index with an expense ratio of 0.40%. I would have expected that to be 0.04%. Please check, because that should be a cheaper fund than the Fixed Income Fund You are right. Its 0.04% In that case use U.S. Debt Index in his 401k. She no longer works in Federal. Can...
by Duckie
Sun May 20, 2018 5:38 pm
Forum: Investing - Help with Personal Investments
Topic: brokerage account conversion
Replies: 32
Views: 3109

Re: brokerage account conversion

In the break down we've discussed above, where is the ROTH accounted for by % in the total portfolio? Until you do the Backdoor Roth IRA method for 2018, the Roth IRAs are at 0%. Between the two of us, we have about $50K in TRIAs right now. Should all of these funds be converted to the ROTH? I incl...
by Duckie
Sun May 20, 2018 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Analysis (Rebalancing Inherited Accounts)
Replies: 4
Views: 348

Re: Portfolio Analysis (Rebalancing Inherited Accounts)

What are the options (fund names, ticker symbols, plan expense ratios) in the 401k? Are you not a fan of the Target-Date funds through Vanguard? I like the target-date funds. But once you have a taxable account earmarked for retirement, using balanced funds (funds with both stocks and bonds) like t...