Search found 27 matches

by scooters
Tue Nov 27, 2018 7:03 pm
Forum: Investing - Help with Personal Investments
Topic: 5% fixed rate option in deferred compensation plan
Replies: 12
Views: 650

Re: 5% fixed rate option in deferred compensation plan

a 100% guaranteed 5% return with the current market sounds like a great investment. Most people think we are heading into a bear market in the next 0-18 months. Don’t make plans on what people think, their crystal ball is as cloudy as mine. Agreed, no one knows what the future holds. However, it do...
by scooters
Tue Nov 27, 2018 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: 5% fixed rate option in deferred compensation plan
Replies: 12
Views: 650

Re: 5% fixed rate option in deferred compensation plan

Correct, the election to the 5% fixed rate option will be for all contributions for the 2019 year. In November / December 2019, I will have the option to choose again knowing that the fixed rate option for that money may be different. As a model to keep math simple, lets say you'll contribute for 3...
by scooters
Tue Nov 27, 2018 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: 5% fixed rate option in deferred compensation plan
Replies: 12
Views: 650

Re: 5% fixed rate option in deferred compensation plan

10 year treasury yields what? 5% is close to double that of a 10 year treasury, albeit with more risk. Essentially if this is a true deferred plan, the value of account is at risk of loss in event of corporate bankruptcy. What is the credit rating of your employer? There is more than interest rate ...
by scooters
Tue Nov 27, 2018 5:47 pm
Forum: Investing - Help with Personal Investments
Topic: 5% fixed rate option in deferred compensation plan
Replies: 12
Views: 650

Re: 5% fixed rate option in deferred compensation plan

You are committing the funds for a relatively long time (including the drawdown period). I would suggest a 50/50 split between the 5% fixed rate and the Vanguard Bond option. In actuality the asset allocation for these funds should likely be the same as your regular asset allocation. How conservati...
by scooters
Tue Nov 27, 2018 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: 5% fixed rate option in deferred compensation plan
Replies: 12
Views: 650

Re: 5% fixed rate option in deferred compensation plan

And you aren't losing as much liquidity as might be apparent: I assume you are not choosing now for ALL future deferred contributions? Meaning, if (hard to imagine) a better opportunity shows up, you can direct new money to another fund? Correct, the election to the 5% fixed rate option will be for...
by scooters
Tue Nov 27, 2018 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: 5% fixed rate option in deferred compensation plan
Replies: 12
Views: 650

5% fixed rate option in deferred compensation plan

I have access to a 5% fixed rate option in a deferred compensation plan. I have already chosen to contribute to the deferred compensation plan, so I do not need advice on that front. The catch is that once you choose to put money into the fixed rate option, you cannot change the election and it will...
by scooters
Mon Apr 16, 2018 9:33 am
Forum: Investing - Theory, News & General
Topic: 2017 Yale Endowment Report
Replies: 13
Views: 1357

Re: 2017 Yale Endowment Report

Do they have so much access to those top funds (the implication was they have some, the funds are invitation only for LPs for a new fund raise ie investors in a newly raised fund)? OR is it simply the funds they have have been written up given the sky high valuations of the tech sector? (the so-cal...
by scooters
Tue Apr 03, 2018 11:46 am
Forum: Investing - Help with Personal Investments
Topic: AA for 529s that will be used for college and grad school
Replies: 24
Views: 3042

Re: AA for 529s that will be used for college and grad school

One thought is that 2.29% tax-free with no term risk and essentially no credit risk is pretty darn good, but obviously not near as good as it was. If some 529 had access to CDs similar to what are currently available at Vanguard and Fidelity, I'd look at something like that. The 2-year is at 2.60%,...
by scooters
Mon Apr 02, 2018 10:49 am
Forum: Investing - Help with Personal Investments
Topic: AA for 529s that will be used for college and grad school
Replies: 24
Views: 3042

Re: AA for 529s that will be used for college and grad school

I'm thinking more along these lines, especially now that I have a granddaughter. I really don't want to pull money out of the CO 529 SV fund earning 3.09% to pay for my daughter's college expenses (she's a senior this fall), since I have or will have other money earning less than 3% for that. Kevin...
by scooters
Sun Apr 01, 2018 8:13 pm
Forum: Investing - Help with Personal Investments
Topic: AA for 529s that will be used for college and grad school
Replies: 24
Views: 3042

Re: AA for 529s that will be used for college and grad school

Hi everyone, I'm posting an update to this thread given that I will be receiving a large amount of cash ($400k) soon that I plan to invest into the 529s. I currently have two 529s in two plans: the Colorado Stable Value Plus 529 and the Utah 529 . There have been a couple major changes since August ...
by scooters
Sat Apr 15, 2017 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Filed form 8606 when not needed - should I amend?
Replies: 13
Views: 2097

Re: Filed form 8606 when not needed - should I amend?

I discovered I have the same issue as the poster, but I'm not exactly sure what do. The above answers discussed filing amended 8606 forms, but didn't fully discuss having to "unfile" a Form 8606 that should not have been filed. I accidentally filed an 8606 form for tax year 2015 indicating a $6,500 ...
by scooters
Sun Aug 21, 2016 11:07 pm
Forum: Personal Consumer Issues
Topic: NYC area bogleheads? temp housing question
Replies: 9
Views: 996

Re: NYC area bogleheads? temp housing question

I am willing to put nearly all my stuff in storage and live a resident hotel type situation in order to economize. I'd just be bringing a few suitcases and a coffee maker, possibly. If you are male, I highly recommend living in the Kolping House located on the Upper East Side at 88th Street. It is ...
by scooters
Thu Jul 07, 2016 9:10 am
Forum: Investing - Theory, News & General
Topic: The Goldilocks Strategy for Prudent Investors [NYT]
Replies: 3
Views: 1020

The Goldilocks Strategy for Prudent Investors [NYT]

Here is an interesting article by David Levine that you may find interesting. It discusses the maturity of bonds to hold for long term investment. http://www.nytimes.com/2016/07/02/your-money/the-goldilocks-strategy-for-long-term-investment.html The moral of the story: Don’t put your money in long b...
by scooters
Sat Jan 02, 2016 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Combining backdoor Roth and rollover of 401k after-tax contributions
Replies: 27
Views: 3352

Re: Combining backdoor Roth and rollover of 401k after-tax contributions

It does not matter what is or is not in tIRA when you do a Roth conversion. What matters is what is in tiRA at the end of the year in which you did a conversion. Makes sense, I knew I may have missed something. Note that you/he need to keep meticulous records on how money is getting into the Roth I...
by scooters
Sat Jan 02, 2016 12:14 am
Forum: Personal Finance (Not Investing)
Topic: Combining backdoor Roth and rollover of 401k after-tax contributions
Replies: 27
Views: 3352

Combining backdoor Roth and rollover of 401k after-tax contributions

Asking for my father: He currently has three accounts: 401k, Roth IRA, traditional IRA that have resulted from my doing the mega backdoor Roth in 2015. He has not made any direct contributions to the Roth IRA or traditional IRA. He has also never done a backdoor Roth contribution. He is above the Ro...
by scooters
Sun Sep 06, 2015 11:04 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts On Investment Planning Software
Replies: 9
Views: 1241

Re: Thoughts On Investment Planning Software

I was in your same boat a while back and decided to email MoneyGuidePro to request a 14-day trial. I spent a couple days inputting the data and eventually produced a fancy report with graphs and projections. It was nice, but nothing groundbreaking and a bit cookie-cutter. Also, they don't factor in ...
by scooters
Thu Aug 13, 2015 11:36 am
Forum: Investing - Help with Personal Investments
Topic: AA for 529s that will be used for college and grad school
Replies: 24
Views: 3042

Re: AA for 529s that will be used for college and grad school

Bacchus, Yes, indeed, it is per participant. I misunderstood your original suggestion. It would be a good strategy to consider if I had a longer timeframe. 1. Over rolling, five year historical periods, stocks have lost money in 14% of the periods. 2. Over rolling, 20 year historical periods, there ...
by scooters
Thu Aug 13, 2015 9:22 am
Forum: Investing - Help with Personal Investments
Topic: AA for 529s that will be used for college and grad school
Replies: 24
Views: 3042

Re: AA for 529s that will be used for college and grad school

I am fairly risk averse, and don't like money in stocks for shorter-term goals (less than 10 years or so). Add to that the fact that one of the best fixed-income choices available today is in a 529 plan (Colorado Stable Value Plus, earning 3.09% in 2015), and I would lean toward putting as much as ...
by scooters
Wed Aug 05, 2015 4:34 pm
Forum: Personal Consumer Issues
Topic: Home security system and land line
Replies: 15
Views: 1767

Re: Home security system and land line

Take a look here for very in-depth and exhaustive reviews from a site called The Wirecutter (http://thesweethome.com/reviews/best-ho ... ty-system/). Both their top choice (Frontpoint Security) and the cheaper step-down option (Simplisafe) use cellular connections.
by scooters
Fri Jul 31, 2015 8:42 am
Forum: Personal Finance (Not Investing)
Topic: The last 18 months of work-things to think about?
Replies: 9
Views: 1803

Re: The last 18 months of work-things to think about?

Here's another great list that refers to early retirement, but should be applicable nonetheless. http://www.early-retirement.org/forums/ ... post387098
by scooters
Mon Jun 29, 2015 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: AA for 529s that will be used for college and grad school
Replies: 24
Views: 3042

Re: AA for 529s that will be used for college and grad school

itstoomuch wrote:\Thus rather than look at 3-529's, you could look at 1-529 devided into near, medium, long term funds.
I considered that, but it was a no-go because of 529 lifetime contribution limits. The Utah 529 has one of the highest, but it is still only $416k.
by scooters
Mon Jun 29, 2015 10:56 am
Forum: Investing - Help with Personal Investments
Topic: AA for 529s that will be used for college and grad school
Replies: 24
Views: 3042

Re: AA for 529s that will be used for college and grad school

1. Over rolling, five year historical periods, stocks have lost money in 14% of the periods. 2. Over rolling, 20 year historical periods, there has never been a period with a loss, although the worst gain was a real 19%. This is exactly the type of analysis I needed, and I'd love to see your method...
by scooters
Sun Jun 28, 2015 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: AA for 529s that will be used for college and grad school
Replies: 24
Views: 3042

Re: AA for 529s that will be used for college and grad school

Bumping this because Jack's post above, although informative, did not really address my questions. I'd appreciate any and all thoughts.

scooters
by scooters
Fri Jun 26, 2015 9:06 am
Forum: Investing - Help with Personal Investments
Topic: AA for 529s that will be used for college and grad school
Replies: 24
Views: 3042

AA for 529s that will be used for college and grad school

I am looking for advice on the asset allocation for 529s that will be used to fund college and grad school. The age-based options offered by most plans are not an option because obviously they will be very conservative in ages 16-18 and 19+ and does not allow for any growth in funds to be used for g...
by scooters
Tue Jun 23, 2015 5:28 am
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth IRA, nondeductible tIRA, or taxable account for retirement - highest tax bracket
Replies: 4
Views: 918

Backdoor Roth IRA, nondeductible tIRA, or taxable account for retirement - highest tax bracket

Posting below for parents: As the title mentions, I am trying to decide whether to invest using a backdoor Roth, nondeductible traditional IRA, or a taxable account for retirement. I have already maxed out all other tax advantaged space. About 85% of retirement assets are in 401k's, 10% in tradition...