Search found 5794 matches

by Duckie
Tue Aug 14, 2018 5:18 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Strategy/Portfolio Suggestions and Opinions
Replies: 2
Views: 210

Re: Investment Strategy/Portfolio Suggestions and Opinions

Available funds in my 401(k) The best options are: Vanguard Instl 500 Index VGINT 0.01% -- Large caps, 80% of US stocks Vanguard Instl Extended Mkt Index VGIET 0.02% -- Mid/small caps, 20% of US stocks Vanguard Instl Ttl Intl Stock Index VGIST 0.06% -- Complete international stocks Vanguard Instl T...
by Duckie
Tue Aug 14, 2018 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Warns of Worsening Odds for the Economy and Markets [Portfolio help]
Replies: 10
Views: 771

Re: Vanguard Warns of Worsening Odds for the Economy and Markets [Portfolio help]

NeedsHelp! , welcome to the forum. 1. Do I hold steady as of today with an 85% distribution of stocks (50-50 mix of US and international) and 15% bonds? 2. OR would you redistribute funds to a more conservative mix (increase bond percentage)? I would "hold steady" as long as you're comfortable with...
by Duckie
Sun Aug 12, 2018 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: Question/Update on my Situation
Replies: 6
Views: 792

Re: Question/Update on my Situation

I think I want to go ahead and complete the withdrawals from the Inherited IRA and just get it cleared from account, most likely. I'll use most of it up this year Sounds reasonable unless it puts you in a higher tax bracket. Does it? I think it would be nice to go ahead and use $50K of the trust mo...
by Duckie
Sun Aug 12, 2018 6:43 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with bond allocation in 401k plan
Replies: 4
Views: 350

Re: Need help with bond allocation in 401k plan

The options provided by the 401k administrator are: Without knowing the plan expense ratios, the best options appear to be: Fidelity 500 Index (FXSIX) -- Large caps, 80% of US stocks Vanguard FTSE All-World ex-US Index (VFWAX) -- Almost complete international stocks State Street Aggregate Bond Inde...
by Duckie
Sun Aug 12, 2018 6:39 pm
Forum: Investing - Help with Personal Investments
Topic: New member: help with asset allocation and fund selections
Replies: 9
Views: 597

Re: New member: help with asset allocation and fund selections

Her 401K Past Employer @ Voya 3.46% Vanguard Extended Market Interest Trust Premium (VIEIX) (.05%) <snip> Funds Available in her past employer 401K @Voya: Vanguard Extended Market Index Trust (.50%) Which is it, 0.05% or 0.50%? Funds available in his current 401(k) The best options are: Fidelity 50...
by Duckie
Sun Aug 12, 2018 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: Just starting out, need some feedback
Replies: 12
Views: 902

Re: Just starting out, need some feedback

I have 3 choices for bonds through my 403(b): FID US BOND INDEX FUND (FXSTX) (ER 0.025%) FID INTM GOV'T INCOME FUND (FSTGX) (ER 0.45%) PIMCO TOTAL RETURN FUND INST (PTTRX) (ER 0.55%) The first choice is the only one that is appealing to me. If it makes sense to you to switch to this, how would I go...
by Duckie
Sat Aug 11, 2018 6:17 pm
Forum: Personal Consumer Issues
Topic: Aqua Shoes for Beach
Replies: 16
Views: 1370

Re: Aqua Shoes for Beach

alex11 wrote:Looking for suggestions on a decent pair of water shoes to wear while at the beach.
Lands' End water shoes & sandals
Good quality but not cheap.
by Duckie
Sat Aug 11, 2018 5:45 pm
Forum: Investing - Help with Personal Investments
Topic: 403b Rollover
Replies: 4
Views: 335

Re: 403b Rollover

Tax Bracket: 12% S Est 2018 Gross income: 24k <snip> Total 403b balance for conversion is 23-24k (including 2018, minus Roth) $24K plus $24K is $48K. With the $12K standard deduction that keeps you in the 12% bracket. Is it a good idea to rollover? Or Should I just keep the 403b? It depends on the ...
by Duckie
Sat Aug 11, 2018 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: Just starting out, need some feedback
Replies: 12
Views: 902

Re: Just starting out, need some feedback

rp13md , welcome to the forum. Age: 26 Desired Asset allocation: 75% stocks / 25% bonds Desired International allocation: 20% of stocks That breaks down to 60% US stocks, 15% international stocks, and 25% bonds. 403(b), Fidelity 0% FID 500 INDEX IPR (FXAIX) (ER 0.015%) 0% FID INTL INDEX INS (FSPNX)...
by Duckie
Sat Aug 11, 2018 5:00 pm
Forum: Investing - Help with Personal Investments
Topic: VPAS and backdoor Roth IRA
Replies: 3
Views: 309

Re: VPAS and backdoor Roth IRA

Will vanguard personal advisor services perform a backdoor Roth IRA transaction for you or do you need to do this manually? You need to initiate it. You make the non-deductible contribution to the TIRA and then make the conversion to the Roth IRA. PAS decides what goes in the accounts, but you need...
by Duckie
Fri Aug 10, 2018 7:46 pm
Forum: Investing - Help with Personal Investments
Topic: Untangling a Trad IRA
Replies: 9
Views: 730

Re: Untangling a Trad IRA

GuySmiley , welcome to the forum. which should I do first? Rollover to 401k the big part, or convert to Roth the small part? Both will happen this year. I am concerned if I do the rollover first and leave the 5500 balance to convert that fees or interest will alter the 5500 before I convert. I gues...
by Duckie
Fri Aug 10, 2018 7:15 pm
Forum: Investing - Help with Personal Investments
Topic: Helping GF move to 3-fund portfolio
Replies: 6
Views: 1096

Re: Helping GF move to 3-fund portfolio

As to the costly MFs and the ETFs, is it alright to transfer funds in-kind to another brokerage (Vanguard) and then immediately sell-off some (but not others)? Yes, it's alright. She needs to find the selling fees at the current brokerage and the selling fees at the new brokerage. Then sell whereve...
by Duckie
Thu Aug 09, 2018 6:01 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA, Rollover IRA, Roth 401k dilemma
Replies: 5
Views: 323

Re: Roth IRA, Rollover IRA, Roth 401k dilemma

last year I had to do a recharacterization, as I exceeded the income limit. Yay! That's a good problem right? "Not so fast my friend." Those recharacterized funds ended up in a Rollover IRA from a previous employer 401k. Pre-($30,000) and post-tax($5500) money in the same IRA. When you recharacteri...
by Duckie
Thu Aug 09, 2018 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: Lawsuit payout
Replies: 19
Views: 2892

Re: Lawsuit payout

v8juice wrote:Next step would be to fund our both our Roth IRA'S fully for this year, now what kind of funds would I want in those?
Vanguard Total International Stock up to the 24% (or whatever is desired) AA and then Vanguard Total Stock Market.
by Duckie
Wed Aug 08, 2018 5:43 pm
Forum: Investing - Help with Personal Investments
Topic: Asset allocation and next steps?
Replies: 12
Views: 948

Re: Asset allocation and next steps?

His 401k - 100% pre-tax funds (tradition or employer contributions) He's is some expensive funds and he has cheaper options. His Roth IRA <snip> Her Roth IRA In general it's better to put assets with higher expected growth (stocks) in Roth accounts and assets with lower expected growth (bonds) in p...
by Duckie
Tue Aug 07, 2018 6:26 pm
Forum: Personal Consumer Issues
Topic: Detailed journal of my bicycle ride through the Balkans
Replies: 4
Views: 597

Re: Detailed journal of my bicycle ride through the Balkans

Raybo wrote:I completed my detailed journal of the trip.
<snip>
The forum's rules don't allow me to post a direct link to the journal, but nothing in the rules says you can't post a direct link.
Here's the direct link:
Biking the Balkans and dawdling in the Dolomites
by Duckie
Tue Aug 07, 2018 6:02 pm
Forum: Investing - Help with Personal Investments
Topic: Financial Checkup
Replies: 9
Views: 1061

Re: Financial Checkup

401k - $120,000 (Fidelity) 72.07% Fid Freedom 2050 K (FNSBX) (0.65% ER) This fund is expensive and you have cheaper options. Roth IRA - $44,000 (Vanguard) 26.43% Vanguard Target 2050 (VFIFX) (0.15% ER) In general it's better to put assets with higher expected growth (stocks) in Roth accounts and as...
by Duckie
Mon Aug 06, 2018 5:45 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation with Three Fund portfolio
Replies: 2
Views: 480

Re: Asset Allocation with Three Fund portfolio

noob40 , welcome to the forum. Age: 40 Desired Asset allocation: 70% stocks / 30% bonds Desired International allocation: 20% of stocks That breaks down to 56% US stocks, 14% international stocks, and 30% bonds. Available 401K funds The best options are: S&P 500 Index - SSgA - 0.02% -- Large caps, ...
by Duckie
Mon Aug 06, 2018 4:36 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Assistance and Retirement Advice
Replies: 29
Views: 3274

Re: Portfolio Assistance and Retirement Advice

Terp1978 wrote:As for simulations ... what do you mean by that?
You can put different numbers into online tax programs like TaxAct and see the results in different situations.
by Duckie
Sun Aug 05, 2018 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: New and portfolio help please. Thanks!
Replies: 13
Views: 1411

Re: New and portfolio help please. Thanks!

Emergency FUnd placement and working account to pay bills* We've seen Ally (although it seems like lately folks have had some difficulty with them), Redneck, Vanguard MM and other suggestions .... We're looking into them, but any suggestions for any particular reasons or logic??? For the "working a...
by Duckie
Sat Aug 04, 2018 5:20 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review & correcting a taxable account: target date funds; selling to switch to 100% stock index funds
Replies: 6
Views: 675

Re: Portfolio review & correcting a taxable account: target date funds; selling to switch to 100% stock index funds

Once he has a taxable account earmarked for retirement, using a target-date fund becomes less optimal. Could you explain what this means? I don't understand. All of the accounts are for retirement. Target-date funds work best when all accounts earmarked for retirement have them. Since he has a taxa...
by Duckie
Sat Aug 04, 2018 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: New and portfolio help please. Thanks!
Replies: 13
Views: 1411

Re: New and portfolio help please. Thanks!

I'm not sure about the His extra available funds. I'm sure it would go into a Vanguard, but I'm at a bit of a loss. Suggestions?? If by "extra available funds" you mean the $23K in taxable, he has different options. He could contribute more to his 403b reducing his take-home pay and use some of the...
by Duckie
Fri Aug 03, 2018 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: Helping GF move to 3-fund portfolio
Replies: 6
Views: 1096

Re: Helping GF move to 3-fund portfolio

Because almost all GF's financial assets not in the annuities are in taxable, I'm thinking of recommending that for at least next year she utilize her ready cash for life expenses and sink as much of her income as is allowed into a total bond fund in a solo 401(k) in order to get that jumpstarted, ...
by Duckie
Fri Aug 03, 2018 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Assistance and Retirement Advice
Replies: 29
Views: 3274

Re: Portfolio Assistance and Retirement Advice

Both my wife and I have traditional IRAs ... we have not been consistent contributors over the years. Since there are funds available does it make sense for us to make contributions to those going forward? Yes. In fact I would be contributing to Roth IRAs. Also ... as a 40+ year federal employee in...
by Duckie
Fri Aug 03, 2018 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review & correcting a taxable account: target date funds; selling to switch to 100% stock index funds
Replies: 6
Views: 675

Re: Portfolio review & correcting a taxable account: target date funds; selling to switch to 100% stock index funds

403b: 39% of total What are the other options in his 403b? Once he has a taxable account earmarked for retirement, using a target-date fund becomes less optimal. List the fund names, ticker symbols, and plan expense ratios. rollover IRA: 25% of total <snip> IRA (traditional): 5% of total He should ...
by Duckie
Thu Aug 02, 2018 4:32 pm
Forum: Personal Consumer Issues
Topic: West Coast Tour Group Suggestions
Replies: 17
Views: 1028

Re: West Coast Tour Group Suggestions

keepingitsimple wrote:Have you taken any trips with this group?
Yes, but not in the US.
by Duckie
Wed Aug 01, 2018 7:08 pm
Forum: Personal Consumer Issues
Topic: West Coast Tour Group Suggestions
Replies: 17
Views: 1028

Re: West Coast Tour Group Suggestions

I'm thinking of taking a tour of the West Coast this year or next (land, not a cruise) with a Tour Group/Company, as the thought of not having to drive on vacation is quite appealing. I definitely want to include Northern California, perhaps Southern CA too, from there I'm open regarding destinatio...
by Duckie
Wed Aug 01, 2018 6:34 pm
Forum: Investing - Help with Personal Investments
Topic: Help me help Future me...
Replies: 9
Views: 1099

Re: Help me help Future me...

Taxable 5% Vanguard Total Bond Index (VBTLX) (0.05% expense ratio) 15% Vanguard Mid-Cap Growth Index (VMGMX) (0.07% expense ratio) 9% Vanguard Total Stock Index (VTSAX) (0.04% expense ratio) 9% Vanguard Wellington (VWENX) (0.17% expense ratio) 11% Vanguard Wellesely Income (VWIAX) (0.15% expense ra...
by Duckie
Wed Aug 01, 2018 6:01 pm
Forum: Investing - Help with Personal Investments
Topic: 37 years old - 401k fund and investment advice
Replies: 8
Views: 1325

Re: 37 years old - 401k fund and investment advice

My 401k investment options seem rather limited, but I've read I should still max it out even without employer match. I've tried to pick the lowest ER funds that best represent the total US stock market index, while also keeping my 90/10 AA and taxable/Roth allocations in mind. Did I pick the right ...
by Duckie
Mon Jul 30, 2018 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: 3 Fund from Formula Folio?
Replies: 7
Views: 812

Re: 3 Fund from Formula Folio?

Company Stock - Probably too much in one basket but has done well and selling it caused a massive tax burden. So you've already sold? Anytime I ask for where to put my money...the answer is always Formula Folios. Who are you asking? Going to spend some time looking at the overall allocations, which...
by Duckie
Mon Jul 30, 2018 4:43 pm
Forum: Investing - Help with Personal Investments
Topic: New and portfolio help please. Thanks!
Replies: 13
Views: 1411

Re: New and portfolio help please. Thanks!

What about my funds that are not in 401k or 403b's? Vanguard?? Roth funds??? The following portfolio example has an AA of 45% stocks, 55% bonds, with 30% of stocks in international. That breaks down to 32% US stocks, 13% international stocks, and 55% bonds. After transferring accounts (assuming it ...
by Duckie
Sun Jul 29, 2018 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: Solo 401k w/457 and Roth IRA-How to balance and allocate
Replies: 19
Views: 871

Re: Solo 401k w/457 and Roth IRA-How to balance and allocate

And would the Vanguard Total Stock Market Index Fund (VTSMX) be spread as 1 fund across the Roth IRA and 401k or would you technically have to open 2 total market funds ? Even though Vanguard is the custodian of both the Roth IRA and solo 401k, they are two different accounts. So you will have to o...
by Duckie
Sun Jul 29, 2018 4:05 pm
Forum: Investing - Help with Personal Investments
Topic: Lifestrategy moderate growth - 12% bracket ok?
Replies: 9
Views: 1059

Re: Lifestrategy moderate growth - 12% bracket ok?

I currently have 33k in VSMGX, is it really a bad thing if I plan to be invested in this fund while in the 12% bracket? It's not ideal, but it's not terrible. Just don't buy any more. Set it up so all VSMGX dividends are sent somewhere else. I would like to put up to 50k into this account, is this ...
by Duckie
Sun Jul 29, 2018 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: New and portfolio help please. Thanks!
Replies: 13
Views: 1411

Re: New and portfolio help please. Thanks!

So basically from what I can tell, your suggestions are funds with pretty much the lowest expense ratio with your knowledge of their performance. Exactly. What about my funds that are not in 401k or 403b's? Vanguard?? Roth funds??? You have: 20% in taxable. The three mutual funds are expensive. Whi...
by Duckie
Sat Jul 28, 2018 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: Roth Fund Placement
Replies: 5
Views: 633

Re: Roth Fund Placement

It's my understanding that if I sell the assets currently in my Roth account that this is not considered a taxable event. Please confirm. Correct. It's also my understanding that I should shoot for the most aggressive growth in my Roth, since the funds will grow tax free. I've read that this should...
by Duckie
Sat Jul 28, 2018 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: Old age investing--Seeking advice
Replies: 23
Views: 2868

Re: Old age investing--Seeking advice

I have three small traditional IRAs: Wellington Fund with Vanguard; MFS Total Return with Merrill Edge; Fidelity Adv Floating with Merrill Edge. If I transfer all of them to Vanguard, can I combine the three IRAs into a single IRA, or do they have to remain separate, since they were set up separate...
by Duckie
Sat Jul 28, 2018 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: Helping GF move to 3-fund portfolio
Replies: 6
Views: 1096

Re: Helping GF move to 3-fund portfolio

We want to migrate her financial assets to Vanguard and/or Fidelity and move towards 3 Fund Portfolio. I know the mutual funds will need to be sold, but am I correct in understanding that the ETFs can be transferred "in-kind"? Both ETFs and mutual funds can usually be transferred "in kind". You can...
by Duckie
Sat Jul 28, 2018 1:58 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie Portfolio Review
Replies: 9
Views: 745

Re: Newbie Portfolio Review

Ultimately the bulk of our retirement savings will be in a taxable account. I'm concerned about the tax implications, but my plan so far has been to hold my bond allocation in tax-advantaged space and fill taxable with VTSAX until I don't have adequate space in our SIMPLEs to maintain the bond port...
by Duckie
Sat Jul 28, 2018 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: New and portfolio help please. Thanks!
Replies: 13
Views: 1411

Re: New and portfolio help please. Thanks!

Check with both 403b plans and find out if they will allow incoming rollovers from an old 401k. The Fidelity 403b has better options and if you can transfer your TIAA 403b to the Fidelity 403b (and roll the old 401k there), I would. Either way go with the three individual funds or one target-date fu...
by Duckie
Fri Jul 27, 2018 6:09 pm
Forum: Investing - Help with Personal Investments
Topic: New and portfolio help please. Thanks!
Replies: 13
Views: 1411

Re: New and portfolio help please. Thanks!

yarden60 , welcome to the forum. My 401K from previous employment You're missing some plan expense ratios but the best options appear to be: State Street S&P 500 Index SSSYX 0.013% -- Large caps, 80% of US stocks State Street Russell Sm/Mid Cap Index SSMKX 0.08% -- Mid/small caps, 20% of US stocks ...
by Duckie
Thu Jul 26, 2018 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: Needed appraisal of farm land?
Replies: 18
Views: 1069

Re: Needed appraisal of farm land?

I inherited some farm land a couple years ago. Everything was smooth. A while ago I found out that my brother-in-law and sister had the adjoining parcel they inherited appraised at the time they acquired it. I had never thought about having it appraised at that time. Now that I think about it I won...
by Duckie
Thu Jul 26, 2018 10:07 pm
Forum: Investing - Help with Personal Investments
Topic: New job, recommendations?
Replies: 3
Views: 448

Re: New job, recommendations?

here is a list of the available funds for the new 401k The best options are: Vanguard 500 Index (0.02%) -- Large caps, 80% of US stocks Vanguard Mid Cap Index (0.03%) -- 6% of US stocks Vanguard Small Cap Index (0.04%) -- 14% of US stocks Vanguard Developed Markets Index (0.06%) -- 80% of internati...
by Duckie
Thu Jul 26, 2018 9:43 pm
Forum: Investing - Help with Personal Investments
Topic: Starting a Solo 401k-
Replies: 6
Views: 694

Re: Starting a Solo 401k-

GTEXEX , welcome to the forum. She has not formed a sole proprietorship nor LLC but merely gets paid via a 1099. A sole proprietorship is default and she is already in it since she apparently isn't in anything else. During the first month 6 months, she had been contributing to her Roth 401k but she...
by Duckie
Thu Jul 26, 2018 6:57 pm
Forum: Investing - Help with Personal Investments
Topic: Lawsuit payout
Replies: 19
Views: 2892

Re: Lawsuit payout

The 529 plan, would you allocate any of this to that or invest a little each month? I'm not sure what you mean when you write "would you allocate any of this to that". The 529 is not part of your retirement portfolio and has a different purpose and time frame. If you mean you want to put some of th...
by Duckie
Wed Jul 25, 2018 8:17 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Allocation?
Replies: 5
Views: 220

Re: 401k Allocation?

As far as options, my 401k does offer Vanguard TT INT STOCK IND ADM. I'm assuming that's the intention stock index fund, Admiral Shares. It is. but why would should I drop the Growth fund? I would guess it overlaps a lot with the 500+Extended whereas replacing Growth with International increase my ...
by Duckie
Wed Jul 25, 2018 7:38 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Allocation?
Replies: 5
Views: 220

Re: 401k Allocation?

antiwraith , welcome to the forum. My new allocation is: 60% Vanguard 500 Index Admiral 14% Vanguard Divident Growth 13% Vanguard Extended Mkt Index 13% Vanguard Total Bond Index Is that a good/decent allocation mix for someone 20-25 years out from retirement? I'd drop the Dividend Growth and make ...
by Duckie
Wed Jul 25, 2018 7:16 pm
Forum: Investing - Help with Personal Investments
Topic: Lawsuit payout
Replies: 19
Views: 2892

Re: Lawsuit payout

Since your wife has a Roth 401k it would be better if her account held stocks and you had the bonds in your pre-tax 401k and TSP. -So would this change the funds that I choose in her account from what you mentioned yesterday? So in my 401K I would change to most in the VBTIX and hers would be most ...
by Duckie
Wed Jul 25, 2018 6:44 pm
Forum: Investing - Help with Personal Investments
Topic: brokerage account conversion
Replies: 37
Views: 3874

Re: brokerage account conversion

VT14850 wrote:The individual percent allocations per account and our having the best funds in each are what I'd love you to double check for us.
I think I'm too late for your deadline but your proposed portfolio is exactly the way I'd do it.
by Duckie
Wed Jul 25, 2018 6:39 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Assistance and Retirement Advice
Replies: 29
Views: 3274

Re: Portfolio Assistance and Retirement Advice

when I click on the taxable account (which is a joint account with my wife and the link is both of our names) ... there is a link just below our names ... it says "Transition this account" ... and that takes you to a page to set up a brokerage account. The remainder below our names is the list of t...
by Duckie
Wed Jul 25, 2018 6:33 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Portfolio Advice-State DB/457b/Roth IRA
Replies: 7
Views: 502

Re: Retirement Portfolio Advice-State DB/457b/Roth IRA

jhernan271 wrote:How could 2 separate institutions be a merged account ? Just curious thx
You can have two accounts (or two dozen) but one portfolio.