Search found 2660 matches

by PFInterest
Sun Nov 18, 2018 12:52 pm
Forum: Investing - Theory, News & General
Topic: State Municipal Bonds verse Total Bond Index
Replies: 10
Views: 917

Re: State Municipal Bonds verse Total Bond Index

Which state?
Technically more.
I have no worry about inter term.
by PFInterest
Sun Nov 18, 2018 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Projecting 2018 Taxes
Replies: 8
Views: 1351

Re: Projecting 2018 Taxes

Easiest is to use last year's numbers.
A loss is under realized gains/losses tab.
It will all be a guess, so don't fret if your off by a few hundred.
by PFInterest
Sun Nov 18, 2018 12:49 pm
Forum: Personal Consumer Issues
Topic: New car - aftermarket upgrades vs higher trim
Replies: 28
Views: 2274

Re: New car - aftermarket upgrades vs higher trim

I would not do leather myself.
Tint doesn't come anyways and I add it to all our cars
Auto I'm ambivalent about. It likely comes in a package with leather so do that.
Your phone will always be more UTD and powerful.
by PFInterest
Sun Nov 18, 2018 7:05 am
Forum: Personal Consumer Issues
Topic: Laptop security - Mac OS or Windows
Replies: 42
Views: 3376

Re: Laptop security - Mac OS or Windows

Long time Apple user here. My MacBook Pro is getting old so I am starting to research a replacement. My needs are modest as I have a Windows 10 desktop for heavy lifting but would like it to be capable of doing occasional photo editing. I'd like to stay with Apple but as time goes by I am less and ...
by PFInterest
Sun Nov 18, 2018 6:59 am
Forum: Personal Finance (Not Investing)
Topic: CDCTC vs FSA
Replies: 6
Views: 526

Re: CDCTC vs FSA

Doesn't your income disqualify you? Didn't look it up.
by PFInterest
Sun Nov 18, 2018 6:56 am
Forum: Personal Investments
Topic: Small Value tilt Q
Replies: 23
Views: 1254

Re: Small Value tilt Q

After listening to Paul Merriman, I think I'm going to do a small value tilt.  Also with all of the recent volatility, it has given me something else to tax lose harvest my total stock market and large cap index lots into.  Question: Would a 10% small value tilt really be considered a 25% small cap...
by PFInterest
Sat Nov 17, 2018 10:08 pm
Forum: Personal Investments
Topic: Stock, Bonds, REIT belongs in Taxable vs ROTH?
Replies: 15
Views: 1048

Re: Stock, Bonds, REIT belongs in Taxable vs ROTH?

Tayskiing wrote: Sat Nov 17, 2018 6:51 pm I have TSP that is 30% G Share; 50% C Share; 20% S Shares. No 401k.
Sorry 401k was placeholder for any workplace plan.
All your FI can be the gfund. You don't need any in your rIRA.
by PFInterest
Sat Nov 17, 2018 6:23 pm
Forum: Personal Investments
Topic: Stock, Bonds, REIT belongs in Taxable vs ROTH?
Replies: 15
Views: 1048

Re: Stock, Bonds, REIT belongs in Taxable vs ROTH?

Bogleheads- I just want to be sure I am maximizing my tax advantages and doing it right. I have in my portfolio split into 70% stocks, 25% bonds, 5% REIT. I have my bonds and REIT all in my ROTH IRA with no stock in my ROTH IRA. The stocks are parked in my taxable investment account. I did this bec...
by PFInterest
Sat Nov 17, 2018 3:41 pm
Forum: Personal Investments
Topic: Perform 12% Roth conversions or realize 0% long term capital gains during low income years???
Replies: 19
Views: 2223

Re: Perform 12% Roth conversions or realize 0% long term capital gains during low income years???

Why are they going to hold bonds in the rIRA? You will still have a 401 in the future.
by PFInterest
Sat Nov 17, 2018 1:20 pm
Forum: Personal Investments
Topic: Best Mutual Funds To Invest In With a New BOA Merrill Edge Roth IRA?
Replies: 4
Views: 760

Re: Best Mutual Funds To Invest In With a New BOA Merrill Edge Roth IRA?

i wouldnt hold cash in my AA as a 30yo.

any commission free common index fund/etf will do.
by PFInterest
Sat Nov 17, 2018 1:14 pm
Forum: Personal Investments
Topic: Retirement Portfolio Review - Advice needed
Replies: 9
Views: 1626

Re: Retirement Portfolio Review - Advice needed

HI PF, Why does it matter if I'm above the income limit for a Roth IRA if do a annual rollover from a Simple to a Traditional IRA? Does it count against my annual contribution limit to a Roth IRA and thus prevent me from making the annual roth contribution? More help please? Thanks no rollovers and...
by PFInterest
Sat Nov 17, 2018 12:56 pm
Forum: Investing - Theory, News & General
Topic: interesting call with my 80yr old mothers Fidelity advisor
Replies: 30
Views: 5295

Re: interesting call with my 80yr old mothers Fidelity advisor

anything can be sold.
you are being robbed.
i would never let my mother be taken advantage like that.
by PFInterest
Sat Nov 17, 2018 12:50 pm
Forum: Personal Investments
Topic: If the market is this high, does it make sense to invest a large sum of money?
Replies: 38
Views: 3793

Re: If the market is this high, does it make sense to invest a large sum of money?

you have how many years to go?
the market isnt at a high.
adjust your view that 30K isnt a lot of money.
by PFInterest
Sat Nov 17, 2018 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: How Much of a Hassle is it Going to be to Roll Back 2018 Roth Contributions?
Replies: 12
Views: 1291

Re: How Much of a Hassle is it Going to be to Roll Back 2018 Roth Contributions?

you should just undo it now if youll be over as youll have till april to contribute anyways.
but youll be stuck with a nondeductible tIRA.
by PFInterest
Sat Nov 17, 2018 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Employment
Replies: 2
Views: 684

Re: Vanguard Employment

appy and send a resume.
by PFInterest
Sat Nov 17, 2018 12:41 pm
Forum: Investing - Theory, News & General
Topic: Ed Slott & Roth Conversions
Replies: 45
Views: 4050

Re: Ed Slott & Roth Conversions

you should absolutely pay attention to rates.
why convert in the 32% bracket to then pull in the 22 for example......
by PFInterest
Sat Nov 17, 2018 12:40 pm
Forum: Personal Investments
Topic: 401(k) allocations - target date fund plus bonds?
Replies: 11
Views: 704

Re: 401(k) allocations - target date fund plus bonds?

zero7 wrote: Sat Nov 17, 2018 11:41 am I was trying to hit my desired asset allocation, down to the digit.
unnecessary OCD.
more important to max 2x 401k and 2x rIRA.
by PFInterest
Sat Nov 17, 2018 12:39 pm
Forum: Personal Investments
Topic: Trying to create a portfolio I can manage myself
Replies: 10
Views: 1582

Re: Trying to create a portfolio I can manage myself

why dont you buy a US total fund, then just add extra small?
this looks needlessly complex.
by PFInterest
Sat Nov 17, 2018 10:14 am
Forum: Personal Investments
Topic: Question on bond fund NAVs
Replies: 6
Views: 380

Re: Question on bond fund NAVs

foursix wrote: Sat Nov 17, 2018 10:05 am I'm currently showing a 4% unrealized loss in AGG in my Solo 401k and thinking about doing a wash sale to get that loss off of my portfolio view.
i dont know what you mean.....

you cant TLH in a solo 401k.
do you also own AGG in a taxable account? cause i wouldnt do that either...
by PFInterest
Sat Nov 17, 2018 10:13 am
Forum: Personal Investments
Topic: Should I sell bond fund, use for mortgage pay down ?
Replies: 8
Views: 1104

Re: Should I sell bond fund, use for mortgage pay down ?

if you have a loss, you should TLH it anyways.
by PFInterest
Sat Nov 17, 2018 9:44 am
Forum: Investing - Theory, News & General
Topic: Bonds and their role in a portfolio:
Replies: 9
Views: 1264

Re: Bonds and their role in a portfolio:

im sure there are scenarios.

but why not take your risk on the equity side?
by PFInterest
Sat Nov 17, 2018 9:43 am
Forum: Personal Investments
Topic: Approaching retirement
Replies: 7
Views: 1124

Re: Approaching retirement

what is your AA now?

hard to direct without a baseline...
by PFInterest
Sat Nov 17, 2018 8:36 am
Forum: Personal Investments
Topic: Please critique my TLH plan
Replies: 17
Views: 1796

Re: Please critique my TLH plan

Employer plans are not included in wash sale rules. That is not true. The IRS has specifically said that acquiring a substantially identical replacement within +-30 days of a deductible loss is a wash sale. The IRS has also specifically said that IRA's are included in wash sale rules and that the l...
by PFInterest
Sat Nov 17, 2018 7:49 am
Forum: Personal Investments
Topic: Single Vanguard MF for Taxable Account
Replies: 9
Views: 1440

Re: Single Vanguard MF for Taxable Account

if she has no interest in learning basic personal finance, then yes the TDF is the simplest.
it will cost you in taxes, and a higher ER. but will take zero work.
by PFInterest
Sat Nov 17, 2018 7:44 am
Forum: Personal Investments
Topic: 401(k) allocations - target date fund plus bonds?
Replies: 11
Views: 704

Re: 401(k) allocations - target date fund plus bonds?

or just pick Vanguard TDF 2035 which is 22.9% FI and call it a day.

i dont see why you need to add a bond fund. you just pick a different date.
by PFInterest
Sat Nov 17, 2018 7:42 am
Forum: Investing - Theory, News & General
Topic: Lots of Newbie bond questions
Replies: 14
Views: 1656

Re: Lots of Newbie bond questions

1) I am curious about how the Vanguard Total Bond Market Fund works. In particular, does it hold all of its bonds to maturity or does it sell some at different times? If it's the latter, is it possible that the action of selling could trigger a capital gain, thereby making the fund more tax ineffic...
by PFInterest
Sat Nov 17, 2018 7:34 am
Forum: Personal Investments
Topic: Saving for a House and portfolio review
Replies: 3
Views: 637

Re: Saving for a House and portfolio review

Question 1. What should i do differently (if any) for the house fund? lets assume target house is max 250K so would need 50K down payment for a three year time frame, maybe some CDs, or short term bonds. but really nothing fancy. just save save save. 250K - 50K DP = 200K mortgage, which is 3x your ...
by PFInterest
Fri Nov 16, 2018 3:51 pm
Forum: Personal Investments
Topic: [Tax loss harvesting (TLH) for VNYTX - Vanguard NY Tax Exempt]
Replies: 2
Views: 282

Re: [Tax loss harvesting (TLH) for VNYTX - Vanguard NY Tax Exempt]

VWIUX.

or if you must keep the NY portion, VYFXX.
by PFInterest
Fri Nov 16, 2018 3:46 pm
Forum: Investing - Theory, News & General
Topic: Rollover - Time out of market
Replies: 28
Views: 2757

Re: Rollover - Time out of market

I am planning on moving $25K from my 401K, to an IRA. After the money is moved I will do a Roth conversion. I have done this before. It seems to take a week for the check to be deposited at my broker. Then it takes another week before the brokerage makes the funds available for trades. With the cur...
by PFInterest
Fri Nov 16, 2018 3:26 pm
Forum: Personal Investments
Topic: Old VALIC annuity
Replies: 3
Views: 387

Re: Old VALIC annuity

what are the fees?
id still take 4.5% right now for fixed income....
by PFInterest
Fri Nov 16, 2018 3:25 pm
Forum: Personal Investments
Topic: Retirement Portfolio Review - Advice needed
Replies: 9
Views: 1626

Re: Retirement Portfolio Review - Advice needed

Thanks for the reply ShowMeTheER! Based on reading other forum posts I got the impression that going regular vs Roth seemed the preferred method but there were definitely lots of opinions! I just learned that I can do annual distributions from my wife's SimpleIRA to a traditional IRA. I am planning...
by PFInterest
Fri Nov 16, 2018 3:04 pm
Forum: Personal Investments
Topic: 401K Fund advice
Replies: 6
Views: 612

Re: 401K Fund advice

physician im guessing? welcome. yes those ER are higher, but should not stop you from maxing the plan. also dont forget 2x backdoor rIRA if possible. read the WCI walk through. PSIFX is your S&P fund. MWTSX are your bonds. why dont you start at 90:10 since you want to be risky. you can put intl in y...
by PFInterest
Fri Nov 16, 2018 2:58 pm
Forum: Personal Investments
Topic: Is it worth doing a Roth conversion now to avoid future backdoor pro rata headaches?
Replies: 10
Views: 1617

Re: Is it worth doing a Roth conversion now to avoid future backdoor pro rata headaches?

i would call TRP again.....and again. they likely will take it. it likely will be fine. theres still time. otherwise does she have 1099 income to open a solo 401k? will she leave this job shortly and thus have a different option? will she quit soon and have a lower year of income? last resort would ...
by PFInterest
Fri Nov 16, 2018 9:55 am
Forum: Personal Investments
Topic: First time invester, help needed please
Replies: 113
Views: 8087

Re: First time invester, help needed please

I was thinking something like this Total Invested $89,604 Taxable at Fidelity--total amount available 66,257...needed 81.6% of total invested 55.6% Total Stock Index--49,819 26% Total International Stock Market Index-- Goal: 23,297 (could only put in 16,438 right now, will grow to 23.3k) 401k ..14....
by PFInterest
Fri Nov 16, 2018 9:25 am
Forum: Personal Investments
Topic: total US bond fund for Fidelity account holders
Replies: 6
Views: 1222

Re: total US bond fund for Fidelity account holders

feh wrote: Fri Nov 16, 2018 9:22 am
I vaguely remember seeing threads that FXNAX/FSITX has underperformed. If I have that wrong, please let me know.
underperformed what? stocks? yes.
vanguards total bond? by like $20 in the past few years.


if you want to chase performance, increase stocks.
by PFInterest
Fri Nov 16, 2018 9:24 am
Forum: Personal Investments
Topic: Dividend Growth Fund VDIGX
Replies: 10
Views: 2234

Re: Dividend Growth Fund VDIGX

VDIGX has outperformed the 500 for the past year. That is fortuitous but is not my aim. I am not looking for outperformance but more downside protection. That said I believe in the indexing philosophy it just seems that in this period of uncertainty it may be better to stay in a slightly value tilt...
by PFInterest
Fri Nov 16, 2018 9:20 am
Forum: Personal Investments
Topic: total US bond fund for Fidelity account holders
Replies: 6
Views: 1222

Re: total US bond fund for Fidelity account holders

why do you want/need something else? what are you looking for?
by PFInterest
Fri Nov 16, 2018 7:53 am
Forum: Personal Investments
Topic: Taxable account - Cost basis - specID or Avg
Replies: 13
Views: 1073

Re: Taxable account - Cost basis - specID or Avg

justsomeguy2018 wrote: Thu Nov 15, 2018 11:03 pm Just curious - why not reinvest dividends from taxable account - is it because it makes taxes super complicated?
re balancing and TLH.
difficultly doesn't change, any tax program will automatically down load them just the same.
by PFInterest
Thu Nov 15, 2018 10:58 pm
Forum: Personal Investments
Topic: Please critique my TLH plan
Replies: 17
Views: 1796

Re: Please critique my TLH plan

I would take the loss now.
Employer plans are not included in wash sale rules.
Change to limited term TE as well.
by PFInterest
Thu Nov 15, 2018 10:55 pm
Forum: Personal Investments
Topic: Taxable account - Cost basis - specID or Avg
Replies: 13
Views: 1073

Re: Taxable account - Cost basis - specID or Avg

1- yes. And I wouldn't reinvest dividends.
2- yes. But only if the future is the same.
by PFInterest
Thu Nov 15, 2018 2:11 pm
Forum: Personal Consumer Issues
Topic: Windows 10 October Update (1809)
Replies: 34
Views: 3318

Re: Windows 10 October Update (1809)

Sounds like 1809 needs to bake for another month...
by PFInterest
Thu Nov 15, 2018 2:01 pm
Forum: Personal Consumer Issues
Topic: Mesh versus Range extender
Replies: 27
Views: 2389

Re: Mesh versus Range extender

Hi Bogleheads, I am having wi-fi issues at home. Home was built in the 60s, 2 floors (including basement) and is about 2500sq ft. The cable modem is located in the basement and I cannot move this. I have an Apple airport extreme next to it. This setup was adequate but about one year ago, we noticed...
by PFInterest
Thu Nov 15, 2018 11:31 am
Forum: Personal Finance (Not Investing)
Topic: What to do with RMD - 91 Year Old Mom
Replies: 18
Views: 1658

Re: What to do with RMD - 91 Year Old Mom

cash....
what does she want?
by PFInterest
Thu Nov 15, 2018 11:24 am
Forum: Personal Investments
Topic: Dividend Growth Fund VDIGX
Replies: 10
Views: 2234

Re: Dividend Growth Fund VDIGX

i would compare it more to VLACX (large cap). you are actually down after 1 year, but whichever.

if you are going to market time, you need a plan.

write that down. discuss with your wife.

then stop.
by PFInterest
Thu Nov 15, 2018 10:58 am
Forum: Personal Consumer Issues
Topic: Lexus NX vs RX
Replies: 10
Views: 1371

Re: Lexus NX vs RX

1- pothole avoidance is the key. do that.
2- any current car can easily go >100mph. dont be dangerous to those around you.
3- you read the spec sheet.
by PFInterest
Wed Nov 14, 2018 10:35 pm
Forum: Investing - Theory, News & General
Topic: Are you all staying the course?
Replies: 114
Views: 8853

Re: Are you all staying the course?

Esq123 wrote: Wed Nov 14, 2018 2:53 pm How are you all handling the recent market volatility? Everyone staying the course? I am content for now that I am not 100% equities.
I didn't notice it.