Search found 5733 matches

by Duckie
Sat Jul 21, 2018 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for advice on Portfolio
Replies: 10
Views: 478

Re: What to do with a sub par 401k plan?

What to do with a sub par 401k plan when transitioning? <snip> -Index Funds available in 401k- MM Russell 2000 Small Cap Index, (MCJTX), ER-0.95 MM S&P Mid Cap Index, (MDKTX), ER-0.93 Black Rock S&P Index V.I., (BLK), ER-0.60 If the S&P Index is the S&P 500 Index put 100% of your 401k in that fund....
by Duckie
Sat Jul 21, 2018 7:28 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review Requested by milkshakes
Replies: 3
Views: 445

Re: Portfolio Review Requested by milkshakes

Age: 35 (my spouse is 33) Desired Asset allocation: 70% stocks / 30% bonds (maybe?) This AA is reasonable for your ages. Desired International allocation: 25% of stocks (maybe?) Vanguard has found between 20% and 40% of stocks in international to be the "sweet spot". See the Vanguard paper link and...
by Duckie
Sat Jul 21, 2018 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for advice on Portfolio
Replies: 10
Views: 478

Re: Looking for advice on Portfolio

Haboo , welcome to the forum. Age: 50 Desired Asset allocation: 75-80% stocks / 20-25% bonds That's aggressive for your age. I recommend at least 30% bonds and maybe 40%. Desired International allocation: ???? % of stocks Vanguard has found between 20% and 40% of stocks in international to be the "...
by Duckie
Sat Jul 21, 2018 6:22 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Assistance and Retirement Advice
Replies: 4
Views: 443

Re: Portfolio Assistance and Retirement Advice

For the taxable piece ... are you suggesting that we use the $50,000 to buy Total Stock and Total Int Stock? Yes. An in-kind transfer simply moves what is in Ameritrade to Vanguard as is? Yes. It's a non-taxable transfer. If the gain on the assets is small you may want to sell at TD Ameritrade and ...
by Duckie
Sat Jul 21, 2018 6:12 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice & Simplification
Replies: 3
Views: 381

Re: Portfolio Advice & Simplification

My 403B mutual funds that are available to me include (Fidelity); a couple of bond funds, 6 equity funds, a couple of international equity funds and about 16 expanded investment funds (high yield bond, growth equity, value equity, mid cap, small cap, etc.). Similar from Vanguard. That's too vague. ...
by Duckie
Fri Jul 20, 2018 7:52 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Assistance and Retirement Advice
Replies: 4
Views: 443

Re: Portfolio Assistance and Retirement Advice

Terp1978 , welcome to the forum. Contributions: 10% salary to His TSP We feed Ally Bank account when we can Why not add to the IRAs instead of to taxable? I need help with moving to a three fund portfolio. I would like to use the funds that have been widely recommended on this forum (Vanguard Total...
by Duckie
Fri Jul 20, 2018 7:06 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Help Picking Funds 25 Year Old
Replies: 10
Views: 618

Re: 401k Help Picking Funds 25 Year Old

I gave the 401k service rep a call and he said I can roll over my traditional IRA from Weathfront to the 401k and have both traditional and roth portions, but I can't designate different AA (IE have the pre-tax in all bonds and roth in stocks). Not sure if this means I should roll over to Vanguard ...
by Duckie
Fri Jul 20, 2018 6:43 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking help for investment allocation
Replies: 11
Views: 968

Re: Seeking help for investment allocation

May I ask why you are against investing in REIT? I personally see no need to add extra REITs because Total Stock Market has REITs at the market weight. Others disagree. In my above portfolio example I gave you your desired 10% REITs. Should I change it to Fidelity Total Market Index Fund Premium Cl...
by Duckie
Thu Jul 19, 2018 4:31 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Help Picking Funds 25 Year Old
Replies: 10
Views: 618

Re: 401k Help Picking Funds 25 Year Old

hockeydawg , welcome to the forum. Age: 25 Desired Asset allocation: 80/20 per Vanguard recommendation, my IRA is currently 90/10 80/20 is reasonable for your age. But that's 80/20 across all retirement assets, not just the 401k. 17k in wealthfront trad IRA account w/ no fee's (rolled over from tra...
by Duckie
Wed Jul 18, 2018 6:29 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement
Replies: 76
Views: 5993

Re: New Vanguard Security Code Requirement

Isn't the bank link going to be essentially mandatory too, since the invest-by-mail forms are now defunct? I can still order investment slips to be mailed to me. On my Vanguard Prime Money Market Fund page off to the right under the Buy / Sell / Exchange buttons there is a link to "Order investment...
by Duckie
Wed Jul 18, 2018 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking help for investment allocation
Replies: 11
Views: 968

Re: Seeking help for investment allocation

Currently I set aside $920 to my Fidelity taxable account every month so that the beginning of each year I'll be able to move $11k into Roth IRA. Instead, should I stop moving the $920/month into the taxable account and increase my 401k contribution, so I slowly eat away at the taxable account each...
by Duckie
Wed Jul 18, 2018 5:43 pm
Forum: Investing - Help with Personal Investments
Topic: 401a Lump Sum Allocations
Replies: 6
Views: 384

Re: 401a Lump Sum Allocations

Based on the available funds, what would be a good portfolio for a lump sum move? The best/cheapest options are: TIAA Access S&P 500 Index 0.16% -- Large caps, 80% of US stocks TIAA Access Small-Cap Blend Index 0.16% -- Small caps, 14% of US stocks TIAA Access International Equity Index 0.16% -- De...
by Duckie
Wed Jul 18, 2018 5:28 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Investing Advice
Replies: 3
Views: 323

Re: 401k Investing Advice

investornoob, welcome to the forum.
investornoob wrote:Is it a good idea to start funding my 401k with these low-cost index funds?
Using low-cost index funds is an excellent idea. Which funds depends on the custodian of the plan. Have you already opened the solo 401k?
by Duckie
Wed Jul 18, 2018 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: Brand New Investor/ Please Help!
Replies: 8
Views: 571

Re: Brand New Investor/ Please Help!

Aintsfan25 , welcome to the forum. I am putting 6% in to get my match but I also am about to be putting another 6% in a separate account from my work account. By "separate account" do you mean an IRA or a taxable account? Right now I am investing in 30% VITPX Vanguard Institutional Total Stock Mark...
by Duckie
Wed Jul 18, 2018 4:54 pm
Forum: Investing - Help with Personal Investments
Topic: Rearranging my investments at age 30. How to handle old 403(b), new taxable account, heavy CD ladder asset?
Replies: 10
Views: 1071

Re: Rearranging my investments at age 30. How to handle old 403(b), new taxable account, heavy CD ladder asset?

Do you think I should be doing the IRA rollover instead? No. The in-plan conversion is better because of the lower-cost options. It's also less complicated. OK, good to know I'm not missing anything by closing out my 403(b). Why roll it over to the IRA rather than the 401(k), though? The 401(k) has...
by Duckie
Wed Jul 18, 2018 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking help for investment allocation
Replies: 11
Views: 968

Re: Seeking help for investment allocation

Should I be maxing out my 401k and reducing my contributions elsewhere? (mortgage, 529, HSA or even Roth) Keep maxing the HSA and Roth IRA. The 529s and mortgage extra are optional. However, you have a large taxable account. You could put that in cash/short-term bonds and use that to live on while ...
by Duckie
Tue Jul 17, 2018 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: Assistance Needed with Moving SIMPLE IRA
Replies: 6
Views: 192

Re: Assistance Needed with Moving SIMPLE IRA

Would I be able to add in an additional $1K to "fill-up" the Roth for year, or would that overly complicate the tax situation? This would be a rollover not a contribution, and would not be part of the $5500 contribution limit. So if you haven't already contributed to a personal IRA for 2018 you can...
by Duckie
Tue Jul 17, 2018 5:31 pm
Forum: Investing - Theory, News & General
Topic: Backdoor Roth questions. ??
Replies: 10
Views: 747

Re: Backdoor Roth questions. ??

I have three Ira acts with td. Two Roths which were converted some years ago when I was able to and/or there was no salary level... my third is trad Ira all contributions post tax and non deductible. I own some equities in it so I presume I will need to pay tax on ? Anything over basis ? Yes, you'l...
by Duckie
Tue Jul 17, 2018 5:12 pm
Forum: Investing - Help with Personal Investments
Topic: Assistance Needed with Moving SIMPLE IRA
Replies: 6
Views: 192

Re: Assistance Needed with Moving SIMPLE IRA

Bonkie , welcome to the forum, Does this sound right? It doesn’t make sense to me that J.P. Morgan has the account, but is unable to figure out how to liquidate it, but I was getting nowhere with the representative. You could try calling back. Maybe a different rep would give a different answer. Ca...
by Duckie
Tue Jul 17, 2018 4:48 pm
Forum: Investing - Help with Personal Investments
Topic: Starting my investment
Replies: 9
Views: 292

Re: Starting my investment

Vlvthamr , welcome to the forum. I’ve also settled with the insurance company on my workers compensation claim. The payment was for $215,000 with $30,000 going to my lawyer leaving me with $185,000. Is any of the settlement taxable? It says to use my age, 44, as the percentage of bond funds to buy ...
by Duckie
Tue Jul 17, 2018 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: Rearranging my investments at age 30. How to handle old 403(b), new taxable account, heavy CD ladder asset?
Replies: 10
Views: 1071

Re: Beginner looking for portfolio advice / critique!

$24.5k Roth to 401(k) via mega backdoor Just to be clear, are you contributing $24.5K to your after-tax 401k sub-account and converting it in-plan to your Roth 401k? Or are you rolling it to a Roth IRA? First I'll mention that the 44.90% allocation to a CD ladder is a gift I received under the cond...
by Duckie
Tue Jul 17, 2018 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: brokerage account conversion
Replies: 34
Views: 3440

Re: brokerage account conversion

What would you recommend choosing from the employer sponsored accounts below for my wife's 401a and 403b? VTSMX and VBMFX are amongst the offerings. You don't have Admiral Shares but you do have Institutional Shares in addition to Investor Shares. The best options (although she'll end up using just...
by Duckie
Mon Jul 16, 2018 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: 30K Spare Cash
Replies: 19
Views: 3513

Re: 30K Spare Cash

In this case scenario, based on tax efficiency strategies, I want to focus ex-US and bonds in tax-advantaged accounts right? You didn't mention any taxable accounts so I thought all you had were tax-advantaged accounts. I focused on international stocks and US bonds in the 401k because the 500 Inde...
by Duckie
Mon Jul 16, 2018 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking help for investment allocation
Replies: 11
Views: 968

Re: Seeking help for investment allocation

By tax-sheltered, do you mean tax-free like my Roth or tax-deferred like my traditional IRA or 401k? All three are tax-sheltered. So in your opinion, I should put 30% bonds in my traditional/rollover IRA and then my other stocks in Roth and taxable accounts? Put bonds and stocks in pre-tax accounts...
by Duckie
Mon Jul 16, 2018 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: 30K Spare Cash
Replies: 19
Views: 3513

Re: 30K Spare Cash

Until my 401K reaches $18.5K (currently at ~$1k) do I invest it in the same breakout and wait? I'd probably make the 401k contributions 50% Ex-US and 50% US bonds until you get near the $18.5K limit, then rebalance. The 500 Index can wait. Out of curiosity, could you explain this logic? 6 months do...
by Duckie
Sun Jul 15, 2018 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking help for investment allocation
Replies: 11
Views: 968

Re: Seeking help for investment allocation

bakerjin , welcome to the forum. I used to have everything under Vanguard, but currently the majority of my accounts are in Fidelity since that is what my adviser uses to manage my accounts. Should I move them back to Vanguard or just leave them in Fidelity? Fidelity is fine. I have a small pension...
by Duckie
Sat Jul 14, 2018 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Thrift Savings Plan Loan Help/Withdrawl/Tax
Replies: 11
Views: 848

Re: Thrift Savings Plan Loan Help/Withdrawl/Tax

mattod122 wrote:I am contemplating leaving federal service and in doing so will need to repay a home loan that was taken from my TSP within 90 days.
<snip>
What would you do in this situation?
Not leave.
by Duckie
Sat Jul 14, 2018 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: Selecting retirement plan provider (TIAA/Fidelity/ICME) and supplemental plan (403b/457b)
Replies: 6
Views: 469

Re: Selecting retirement plan provider (TIAA/Fidelity/ICME) and supplemental plan (403b/457b)

It seems like the 457(b) options are all designed as pre-assembled portfolios. I will look at which ones match my optimal asset allocation, but if you have suggestions for what to focus on, please let me know! The target-date funds are at the top of the page. If you scroll down far enough you get t...
by Duckie
Fri Jul 13, 2018 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: Selecting retirement plan provider (TIAA/Fidelity/ICME) and supplemental plan (403b/457b)
Replies: 6
Views: 469

Re: Selecting retirement plan provider (TIAA/Fidelity/ICME) and supplemental plan (403b/457b)

Age: 29 "Desired" Asset allocation: 80% stocks / 20% bonds (Vanguard calculator); 72% / 28% (age in bonds formula); 82% / 18% (110 minus age formula); 92% / 8% (120 minus age formula) At your age 80% stocks and 20% bonds is a decent starting point. Desired International allocation: ?% of stocks Van...
by Duckie
Thu Jul 12, 2018 4:43 pm
Forum: Investing - Help with Personal Investments
Topic: Like Lifestrategy Funds but???
Replies: 32
Views: 3264

Re: Like Lifestrategy Funds but???

So is a neutral view on international bonds enough to prevent one from buying LS? No. I am not a fan of international bonds and would not buy the individual fund, but my dislike of them would not stop me from using LifeStrategy or Target Retirement funds if I wanted a simple balanced fund. So even ...
by Duckie
Wed Jul 11, 2018 10:42 pm
Forum: Investing - Help with Personal Investments
Topic: Full Review
Replies: 5
Views: 688

Re: Full Review

Age: Both 28 Desired Asset allocation: 90% stocks / 10% bonds Desired International allocation: 20-30% of stocks This is reasonable. I'd probably have more bonds, maybe 20%. Do you agree that I should hold my bonds in my 403B? Yes. It's not optimal because she has cheaper bond options in her 403b, ...
by Duckie
Tue Jul 10, 2018 6:07 pm
Forum: Investing - Help with Personal Investments
Topic: 401k rollover and backdoor roth
Replies: 8
Views: 468

Re: 401k rollover and backdoor roth

blackwhisker , welcome to the forum. some posts mentioned one of the disadvantages of rollover 401k to an ira is that it will negatively impact back door roth conversion. i don't think i understand this part. if i rollover my 401k to an ira, should i still be able to convert that regular ira to a r...
by Duckie
Tue Jul 10, 2018 5:47 pm
Forum: Investing - Help with Personal Investments
Topic: Avoided Ameriprise thanks to this forum! Now what??
Replies: 11
Views: 1281

Re: Avoided Ameriprise thanks to this forum! Now what??

Her 401k at Empower The best options are: BlackRock Equity Index 0.02 -- Large caps, 80% of US stocks PTTRX PIMCO Total Return 0.51 -- US bonds I'd go with just Equity Index in this account. His 401k at TA These are all good options but you don't list a US large cap fund. You must have one. Check a...
by Duckie
Mon Jul 09, 2018 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: Question on after-tax 401k
Replies: 10
Views: 598

Re: Question on after-tax 401k

Is the IRS limit of 55K for retirement plans for per employer or for all employers. It's per unrelated employer. I read some relevant posts on bogleheads forum (e.g https://www.bogleheads.org/forum/viewtopic.php?t=238628) but couldn't decipher a clear answer. Spirit Rider is the expert. Go with wha...
by Duckie
Mon Jul 09, 2018 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: Avoided Ameriprise thanks to this forum! Now what??
Replies: 11
Views: 1281

Re: Avoided Ameriprise thanks to this forum! Now what??

Should we just sell all positions in our various retirement accounts and start fresh with a three fund approach? Yes. Which funds would you recommend, and at what asset allocation? I recommend the Three-fund portfolio . At Fidelity that would be: ( FSTVX ) Fidelity Total Market Index Fund Premium C...
by Duckie
Mon Jul 09, 2018 7:25 pm
Forum: Investing - Help with Personal Investments
Topic: What should I do with my taxable account?
Replies: 9
Views: 1850

Re: What should I do with my taxable account?

What should I put in taxable account? Considering putting exclusively bonds to try to balance our portfolio to more 15% bonds (we seem a little stock heavy but that sounds controversial Put stocks in your taxable account. Put bonds in tax-sheltered. If I can't or shouldn't put only bonds in taxable...
by Duckie
Mon Jul 09, 2018 6:30 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice & Simplification
Replies: 3
Views: 381

Re: Portfolio Advice & Simplification

Taxable (inherited) 3.7% - Oakmark International (OAKIX) (1.38%) 1.6% - American Balanced Class A (ABALX) (0.57%) 3.3% - Capital World Growth and Income Class A (CWGIX)(0.77%) 3.9% - The Growth Fund of America Class A (AGTHX) (0.64%) 2.0% - The Growth Fund of America Class F1 (GFAFX) (0.7%) 2.6% - ...
by Duckie
Mon Jul 09, 2018 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: When asking advice
Replies: 11
Views: 1604

Re: When asking advice

We want all available options. If you have hundreds of options then you can limit your list to the cheapest ones, otherwise list them all.
by Duckie
Sun Jul 08, 2018 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: Positioning portfolio for house purchase
Replies: 5
Views: 411

Re: Positioning portfolio for house purchase

Should I consider this $80k as part of my current asset allocation, given that I know I am going to liquidate it in the near future? No. It is not part of your retirement portfolio and is not considered when figuring your retirement portfolio AA. The $50K emergency fund is not part of your retireme...
by Duckie
Sat Jul 07, 2018 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: New 403b options. What to use?
Replies: 8
Views: 398

Re: New 403b options. What to use?

Should I just stick with the Large and Small cap indexes? Yes. Either 85/15 large/small or 100% large. What do you think of the bond fund? Principal Bond and Mortgage Securities Fund R3 Class is now known as Principal Core Plus Bond Fund R3 Class . It's a decent intermediate-term US bond fund and i...
by Duckie
Fri Jul 06, 2018 5:11 pm
Forum: Investing - Help with Personal Investments
Topic: Do I start with an IRA? Feeling a bit overwhelmed
Replies: 14
Views: 925

Re: Do I start with an IRA? Feeling a bit overwhelmed

I updated my original post with the available 401k options. Without knowing the plan expense ratios (edit your post and add them) these appear to be the best options: VANGUARD 500 INDEX ADMIRAL VFIAX -- Large caps, 80% of US stocks VANGUARD TOTAL INTL STOCK INDEX ADMIRAL VTIAX -- Complete internati...
by Duckie
Fri Jul 06, 2018 4:00 pm
Forum: Investing - Help with Personal Investments
Topic: New job. Old 403b and Roth IRA
Replies: 6
Views: 445

Re: New job. Old 403b and Roth IRA

arensin , welcome to the forum. I am about to start a new job with its own 403b 457 and 401a plans with fidelity. However I have about 30k in a Roth IRA with Edward Jones and the same in an outside 403b through vanguard. I appreciate simplicity. Is it possible and or wise to roll these over into fi...
by Duckie
Thu Jul 05, 2018 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: Help with rebalancing portfolio
Replies: 3
Views: 224

Re: Help with rebalancing portfolio

agstar wrote:Selling the bond ETF would cause a $558 short term capital loss. Is that still a wise decision to make this change or should I wait it out?
Sell now. You can apply the loss against income.
by Duckie
Thu Jul 05, 2018 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: Do I start with an IRA? Feeling a bit overwhelmed
Replies: 14
Views: 925

Re: Do I start with an IRA? Feeling a bit overwhelmed

Gemini_X , welcome to the forum. Do I select a Traditional IRA to deposit money into, or Roth IRA? Whether you pick TIRA or Roth IRA depends on your income and whether you contribute to an employer plan. Often it's better to contribute to a pre-tax 401k and Roth IRA but it depends. And then the Mut...
by Duckie
Tue Jul 03, 2018 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: 403b Retirement
Replies: 12
Views: 873

Re: 403b Retirement

I'm leading toward Fidelity because I think that they might have the most options, but I'd love any of your thoughts before I analyze each company one by one. Start with: CalSTRS Pension II Fidelity Investments Institutional Services Security Benefit -- look for the NEA Direct Invest option Some of...
by Duckie
Tue Jul 03, 2018 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: How to sell physical certificate for UK shares to USD?
Replies: 4
Views: 308

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

bellucci wrote:The shares are now showing up in my Fidelity account in USD as pending. It was surprisingly painless to handle through their local office.
I'm glad it worked out.
by Duckie
Fri Jun 29, 2018 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Mega Backdoor Roth Reporting on Form 5498
Replies: 6
Views: 720

Re: Mega Backdoor Roth Reporting on Form 5498

Deleted -- wrong answer.
by Duckie
Wed Jun 27, 2018 9:40 pm
Forum: Investing - Help with Personal Investments
Topic: SIMPLE IRA Transfers to Schwab from AF 5305
Replies: 6
Views: 376

Re: SIMPLE IRA Transfers to Schwab from AF 5305

Kickstart wrote:So now I have to involve the financial advisor who won't be making any money off of me doing this to try and figure out how we can get AF to participate in the transfers to a Schwab tIRA.
Why are you insisting on moving to Schwab? If they can't do what you want why not pick a different custodian?
by Duckie
Wed Jun 27, 2018 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Do I lose tax benefits if I move home office out of the home?
Replies: 10
Views: 1044

Re: Do I lose tax benefits if I move home office out of the home?

So what deductions are available for a remote office? Office rent can be deducted on IRS Schedule C . The instructions specifically state: "Enter on line 20b amounts paid to rent or lease other property, such as office space in a building." Plus you can deduct office expenses (line 18) and utilitie...
by Duckie
Wed Jun 27, 2018 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: Please critique my asset allocation
Replies: 18
Views: 1041

Re: Please critique my asset allocation

btakla wrote:I am 32, wife is 26, no kids yet, MFS, with about 170 gross annual income.
Why are you filing taxes separately?