Search found 1463 matches

by Eagle33
Tue Jul 27, 2021 10:55 pm
Forum: Investing - Theory, News & General
Topic: Unannounced Change at Vanguard [no Market Alerts for mutual funds]
Replies: 25
Views: 5703

Re: Unannounced Change at Vanguard [no Market Alerts for mutual funds]

I've had a banner on my summary page for the last month or so that is requesting I transition my MF platform accounts to brokerage accounts. Take action to transition your account Please take a few minutes to transition your account(s) from our old investment platform to our new one. Transition now ...
by Eagle33
Tue Jul 27, 2021 2:25 pm
Forum: Personal Investments
Topic: Portfolio review - started here years ago, now back with 2 kids!
Replies: 3
Views: 511

Re: Portfolio review - started here years ago, now back with 2 kids!

I'll read the article further, but is my initial impression correct: Bonds should be in the 457 or Her Rollover IRA (rather than in the Roth)? Yes So allocate all bonds in His 457 (or Her Rollover IRA?), allocate more (while maintaining the overall asset allocation) stocks in His Roth, correct? Yes...
by Eagle33
Tue Jul 27, 2021 12:51 pm
Forum: Personal Investments
Topic: Portfolio review - started here years ago, now back with 2 kids!
Replies: 3
Views: 511

Re: Portfolio review - started here years ago, now back with 2 kids!

Questions : 1. How ought we allocate to meet about 25% of stocks in international – I’m assuming VTIAX? And is this an appropriate allocation? 2. How ought we allocate to get 20% total in bonds (and is that an appropriate percentage given our ages and planned retirement around 58 years old)? 3. I h...
by Eagle33
Mon Jul 26, 2021 8:19 pm
Forum: Personal Investments
Topic: Another portfolio review, as I approach retirement
Replies: 7
Views: 1546

Re: Another portfolio review, as I approach retirement

4. I have AXP stock in my rollover IRA, and understand there is a way I can withdraw it and not be taxed on the gain, since that was my employer… is this true, and if so, how do you do it? Maybe you are referring to Net Realized Appreciation (NUA)? Rolling Over Company Stock: When It Does—and Doesn...
by Eagle33
Sun Jul 25, 2021 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: Roth conversion worth it
Replies: 23
Views: 2840

Re: Roth conversion worth it

Why is no consideration is given for the tax rate at the time of tax deferral? The tax rates were higher in the 90's than they were this century. If we decided to defer money at 28% tax rate in the 90's and now convert or withdraw it at 22% today, then why is that not a good decision? True convertin...
by Eagle33
Sun Jul 25, 2021 4:18 pm
Forum: Personal Investments
Topic: Saving for College: 14 Year Timeline: Bond Fund in 529 vs I Bonds
Replies: 29
Views: 3053

Re: Saving for College: 14 Year Timeline: Bond Fund in 529 vs I Bonds

My nine-old granddaughter has $225K in her Vanguard 529 account. I am satisfied with the 65/35 index fund for this year and the next. It is funded with RMD from my TDA and IRA accounts. The ratio changes when she gets to middle school, when college no longer seems so distant anymore. I doubt if the...
by Eagle33
Sat Jul 24, 2021 9:51 pm
Forum: Personal Investments
Topic: Where to put bridge funds until SS at 70?
Replies: 22
Views: 2332

Re: Where to put bridge funds until SS at 70?

General guideline on this forum is if you need to spend the money within 5 years, then that money should not be in stocks. Good comment, is this consensus or is there a Boglehead guideline on this topic? Other BHs say 10 years. Based on Boglehead Philosophy Rule #3 - Never bear too much or too litt...
by Eagle33
Sat Jul 24, 2021 9:22 pm
Forum: Investing - Theory, News & General
Topic: Factoring social security into withdrawal rate
Replies: 12
Views: 1489

Re: Factoring social security into withdrawal rate

If one is planning to retire at 50 and aims for a $4m nest egg. And assuming s/he expects $7k monthly between SS and pension starting at age 71.. Rather than a 3.5% withdrawal rate starting at age 50, why not start at say 5% and then plan to reduce it once SS and pension kick in.. to 3% for example...
by Eagle33
Fri Jul 23, 2021 10:01 pm
Forum: Personal Investments
Topic: Where to put bridge funds until SS at 70?
Replies: 22
Views: 2332

Re: Where to put bridge funds until SS at 70?

General guideline on this forum is if you need to spend the money within 5 years, then that money should not be in stocks.
by Eagle33
Fri Jul 23, 2021 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: SSA Survivors Benefit Appeal in July 2021
Replies: 15
Views: 1414

Re: SSA Survivors Benefit Appeal in July 2021

Have you helped her change her address on her SS online account?
by Eagle33
Fri Jul 23, 2021 9:09 pm
Forum: Personal Investments
Topic: What would you do with $116 in a Roth account?
Replies: 36
Views: 2660

Re: What would you do with $116 in a Roth account?

Is your brother older or younger than 59.5? How much of the $116 is contribution (basis) vs earnings? While the 10% penalty if younger is not earth shattering, it is anti-Boglehead to pay the penalty.
by Eagle33
Fri Jul 23, 2021 8:58 am
Forum: Personal Investments
Topic: Change in tax deferred availability starting next year - what to do?
Replies: 6
Views: 590

Re: Change in tax deferred availability starting next year - what to do?

Thanks for the replies. It won't be 1099. It's more like severance pay. There will be normal taxes taken out but no access to 401K benefits. I guess I need to research backdoor ROTH since I don't quite understand how those work. I can leave my money in my employers current 401K until the end of 202...
by Eagle33
Thu Jul 22, 2021 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Is there a % of wages legal limit on 401(k) plan contributions?
Replies: 28
Views: 2468

Re: Is there a % of wages legal limit on 401(k) plan contributions?

quantAndHold wrote: Wed Jul 21, 2021 6:20 pm My megacorp’s limit was 100%. The year I retired, I set it to 100%, maxed out my 401k for the year before the end of January, and then quit.
How did you pay your payroll taxes if you contributed 100% of your gross pay to your 401k?
by Eagle33
Thu Jul 22, 2021 2:50 pm
Forum: Non-US Investing
Topic: Pensioner Cash in Bonds & move to LS?
Replies: 10
Views: 1345

Re: Pensioner Cash in Bonds & move to LS?

That was my impression too, however the more digging i've done i've discovered more, i didn't realise she already had an isa in addition to the bonds i referred to in my initial post. But based on your earlier statement did she know she had a isa during the major market drops? So, after a bit more ...
by Eagle33
Wed Jul 21, 2021 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement rate Increases
Replies: 29
Views: 2517

Re: Medicare Supplement rate Increases

Sounds good, but how do I properly "consider" them without knowing what I will need in future? There's no magic here. As with any insurance, you read, you analyze, you choose, you experience, you decide to alter your choice or not . Lather, rinse, repeat. If you aren't up to the task, you...
by Eagle33
Wed Jul 21, 2021 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Help me understand IRA max out
Replies: 4
Views: 487

Re: Help me understand IRA max out

It's for the calendar year, 1/1 - 12/31. IRA contributions for the prior calendar year can be made up to 4/15 of the new year. Of course, you will need earned income during the designated calendar year. After 1/1 and before 4/15, it is always advisable to make the contribution to the prior year if ...
by Eagle33
Tue Jul 20, 2021 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: How late to re-characterize Roth IRA contributions?
Replies: 12
Views: 669

Re: How late to re-characterize Roth IRA contributions?

I just I used "email" incorrectly, I meant using that form (I had to do one from an IRA to a Roth earlier this year simply because I clicked on the wrong account when I was contributing, but I did it only like 2 weeks later Are you trying to recharacterize an already recharaterized contri...
by Eagle33
Tue Jul 20, 2021 1:43 pm
Forum: Investing - Theory, News & General
Topic: Vanguard app/site feature wishlist
Replies: 15
Views: 1082

Re: Vanguard app/site feature wishlist

starboi wrote: Mon Jul 19, 2021 1:20 pm Don't send mail every time a password is changed.
Do you want Vanguard to only send you an email when a hacker changes your password? :twisted:
by Eagle33
Mon Jul 19, 2021 10:07 pm
Forum: Investing - Theory, News & General
Topic: What would happen if a person owned the Total Market and pull out their profit each year putting it in a saving account.
Replies: 53
Views: 6182

Re: What would happen if a person owned the Total Market and pull out their profit each year putting it in a saving acco

The profit would be taken out no matter how much stock were up that year. If there was no profit they would let the Total Stock Market ride. What would happen in the long run? You don't like compounding interest? Actually OP is changing from compounding gains to compounding (bank) interest.
by Eagle33
Mon Jul 19, 2021 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone get their child tax credit check in the mail yet?
Replies: 15
Views: 1762

Re: Anyone get their child tax credit check in the mail yet?

This time is different and I predict numerous future forum postings, especially during 2021 tax filing season. Plenty of people will be surprised/complaining that they owe money next April because of this credit and their 2021 AGI.
by Eagle33
Sat Jul 17, 2021 7:51 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 3286
Views: 2032801

Re: The Three-Fund Portfolio

given there are so many variations of this can one just do this 33.3 VTI 33.3 BND 33.3 VXUS to keep it simple ? Yes, that would be well within the realm of what most would consider acceptable. William Bernstein recommended this set it and forget it portfolio here: https://www.etf.com/docs/IfYouCan....
by Eagle33
Fri Jul 16, 2021 10:04 pm
Forum: Personal Investments
Topic: Large taxable account for the first time (in retirement)?
Replies: 4
Views: 1500

Re: Large taxable account for the first time (in retirement)?

I also wonder if I shouldn't look for alternatives to Vanguard's Total Stock Market Index Fund for our taxable account. We hold that in our Roth and traditional IRAs and I wouldn't want to get caught in a potential wash sale mess. We've used an Index 500 fund for this in the past, but now that we'r...
by Eagle33
Fri Jul 16, 2021 6:27 pm
Forum: Personal Investments
Topic: VTI in taxable vs Roth IRA?
Replies: 44
Views: 3908

Re: VTI in taxable vs Roth IRA?

AustinC27, It is in the order of priority and amount of money you to invest. A) Put all your bond into your tax-advantaged accounts: Tax-deferred first and then Roth B) Put the stocks into Roth IRA and then the taxable account. C) In your case, both stock and bond fit within your Roth IRA. Hence, y...
by Eagle33
Fri Jul 16, 2021 6:23 pm
Forum: Personal Investments
Topic: VTI in taxable vs Roth IRA?
Replies: 44
Views: 3908

Re: VTI in taxable vs Roth IRA?

I like having VTI in both. Couldn't you THL by just turning have dividends reinvesting in Roth and taxable? You could even leave reinvesting on and turn it off for 90 or so days and still THL. What if the reinvested dividends occurred in the 30 days prior to the date where a loss occurred in taxabl...
by Eagle33
Thu Jul 15, 2021 9:19 pm
Forum: Investing - Theory, News & General
Topic: Vanguard buys Just Invest.....
Replies: 75
Views: 8525

Re: Vanguard buys Just Invest.....

https://www.wsj.com/articles/investment-giant-vanguard-buying-justinvest-to-help-advisers-customize-portfolios-11626188378 Owned by investors in its U.S. funds, Vanguard has never done an acquisition. It must keep reinvesting any returns for its clients and lowering the cost of investing for its sh...
by Eagle33
Wed Jul 14, 2021 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: FIRECalc -- Question?
Replies: 7
Views: 1109

Re: FIRECalc -- Question?

What results do you get if you enter that the pension starts in 2022? Is the pension positive or negative?
by Eagle33
Wed Jul 14, 2021 1:05 am
Forum: Personal Investments
Topic: What kind of advisor to get
Replies: 24
Views: 2582

Re: What kind of advisor to get

Hey sorry, didn't mean to ghost you all. I'm dealing with a kidney stone, tons of fun, and there are days when I'm just not up to being online. And days when I'm in the ER :happy I think I'm going with Mark Zoril's low cost advisor thing. I'm interested in what you all have to say as well, though, ...
by Eagle33
Sun Jul 11, 2021 7:53 pm
Forum: Personal Investments
Topic: Question before churn/rebalancing
Replies: 5
Views: 713

Re: Question before churn/rebalancing

I'll take a stab at this. But I found your post hard to understand, so I may not be answering your question exactly. The 529 should be allocated with consideration for the age of the child who will use the funds. If they are less than 5, 100% VTSAX is fine. As the age gets closer to college age, th...
by Eagle33
Sun Jul 11, 2021 7:49 pm
Forum: Personal Investments
Topic: Vanguard checkwriting
Replies: 6
Views: 1152

Re: Vanguard checkwriting

If you have checkwriting in your trad IRA you can write a check on that acct just like you do on your usual checking acct at your local bank. You then just send it yourself to whatever charity you want to donate the money to. They cash it like they would any other check. The money gets taken out of...
by Eagle33
Sun Jul 11, 2021 7:42 pm
Forum: Personal Investments
Topic: How many are using Automatic contributions?
Replies: 77
Views: 7406

Re: How many are using Automatic contributions?

Yes, been automating purchases for many years. Set up now for quarterly purchases, on non-dividend quarters.(All dividends are reinvested.) Fewer lots that are larger amounts work fine for us as late-stage accumulators. After seeing how well it worked for 401K/403Bs, I think of automatic purchases ...
by Eagle33
Sun Jul 11, 2021 12:19 pm
Forum: Personal Investments
Topic: IRMAA year question
Replies: 18
Views: 2151

Re: IRMAA year question

A friend just turned 65 in Dec last year. Her 2018 income was above IRMAA threshold and 2019 income below the threshold. She didn't bother appealing for the one month of IRMAA premium increase for 2020 and is enjoying the standard Medicare premiums this year.
by Eagle33
Sat Jul 10, 2021 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: How to get Vanguard balances as of a historical date?
Replies: 9
Views: 1219

Re: How to get Vanguard balances as of a historical date?

If one is on the brokerage platform, there are some customizable reports available. For all I know the same capability is on the mutual fund platform. If is is, I never found it. From the My Accounts tab select Statements . Then click on the linkable (I bolded it) portion of this info: Try our new ...
by Eagle33
Sat Jul 10, 2021 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Capital Gains IRS Question
Replies: 8
Views: 948

Re: Capital Gains IRS Question

secondcor521 wrote: Fri Jul 09, 2021 4:41 pm If the gains are only ~$3500 and are long term, then depending on your other income, they may be taxed at a 0% rate anyway.
Because OP's MFJ tax bracket is near the top of 24% or bottom of 32%, then LTCG rate would be 15%. $3500 LT gain x 15% = $525 more in taxes.
by Eagle33
Thu Jul 08, 2021 2:12 pm
Forum: Personal Investments
Topic: Rebalancing a 2 fund portfolio between a IRA/401K/Brokerage
Replies: 1
Views: 267

Re: Rebalancing a 2 fund portfolio between a IRA/401K/Brokerage

Read wiki topic Asset allocation in multiple accounts and choose the method you are most comfortable using going forward and stick with it. A couple of other wiki topics you may find of interest. Tax-efficient fund placement Rebalancing Personally I look at my accounts as a single portfolio that tot...
by Eagle33
Thu Jul 08, 2021 8:17 am
Forum: Personal Finance (Not Investing)
Topic: What should I be thinking about that I'm not?
Replies: 26
Views: 3525

Re: How am I doing? Age 31

That reminds me of long-term care insurance. I've heard it's basically impossible now to get a policy that never expires. Should I wait until closer to an age where I would take advantage of it? LTC insurance is typically not purchased until you are in your 50's. By then you will know if you need i...
by Eagle33
Thu Jul 08, 2021 7:59 am
Forum: Personal Investments
Topic: Single vs. spread out contributions
Replies: 8
Views: 731

Re: Single vs. spread out contributions

One option is to lump sum half of your savings into the market, then DCA the other half over the timeframe you have in mind. I always lump sum my annual Roth IRA contribution on the first trading day of each new year, then I DCA via workplace 457 contributions with each paycheck. I feel like I get ...
by Eagle33
Wed Jul 07, 2021 9:50 pm
Forum: Personal Consumer Issues
Topic: Stamped concrete deck vs. composite?
Replies: 26
Views: 2486

Re: Stamped concrete deck vs. composite?

Stamped concrete is not maintenance free! Every 2 years you need to reseal it. We have had problems with bubbling of the sealant when putting it on. We have had 3 different companies do it over the years - everyone had problems. While our Trex front deck has been no problem over the years.
by Eagle33
Wed Jul 07, 2021 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: 529 Funding Question
Replies: 4
Views: 527

Re: 529 Funding Question

I am assuming you live in Arizona. Per AZ website https://az529.gov/what-is-a-529-plan/az-tax-incentives/ it appears you can put $4k in the 529 and MFJ tax return the full $4k is deductible from your AZ income tax.
by Eagle33
Wed Jul 07, 2021 8:37 pm
Forum: Investing - Theory, News & General
Topic: Realize short or long term gain ?
Replies: 15
Views: 1282

Re: Realize short or long term gain ?

Sell the 100 shares that will result keeping the largest amount in your pocket. That may mean that the 100 shares may be split between the long term gains and short term gains, or 100 shares with long term gains, or 100 shares of short term gains. It depends on the specific delta between the long/sh...
by Eagle33
Wed Jul 07, 2021 4:26 pm
Forum: Personal Investments
Topic: Start Roth Conversion age 40?
Replies: 33
Views: 3054

Re: Start Roth Conversion age 40?

I suppose I could retire earlier, but I don’t really see that happening if I stay healthy and I could see myself working past age 65. Are you currently working your perfect jobs? If not, then consider changing jobs in your 50's to the perfect jobs. By then finances will not be a major concern. Anot...
by Eagle33
Mon Jul 05, 2021 2:30 pm
Forum: Personal Investments
Topic: Roth IRA Contribution Limit
Replies: 7
Views: 875

Re: Roth IRA Contribution Limit

If OP gross income (before any type of taxes) for 2021 is exactly $6k, then after taking out FICA wouldn't OP's w2 box 1 be less than $6k?
by Eagle33
Sun Jul 04, 2021 9:22 pm
Forum: Personal Investments
Topic: What kind of advisor to get
Replies: 24
Views: 2582

Re: What kind of advisor to get

I too recommend you share the total picture of your portfolio in the preferred format. Do you feel that you will get $30,000.00 per year worth of advice from the CFP? 1% of $3,000,000 is $30k each and every year your portfolio stays at 3 million. I believe you will get about the same advice and prob...
by Eagle33
Sat Jul 03, 2021 12:40 am
Forum: Personal Finance (Not Investing)
Topic: Survivor benefits and Spouse claiming at 62 and 5mos
Replies: 23
Views: 1924

Re: Survivor benefits and Spouse claiming at 62 and 5mos

What if the worker plans to collect SS at age 70 but dies at age 64 (before FRA)? What would the survivor's benefit be? Is it the deceased's FRA, what he would have received at age 70, or something else? Try inputting the scenario into opensocialsecurity.com to discover your answer. As far as I can...
by Eagle33
Fri Jul 02, 2021 11:55 pm
Forum: Personal Finance (Not Investing)
Topic: Survivor benefits and Spouse claiming at 62 and 5mos
Replies: 23
Views: 1924

Re: Survivor benefits and Spouse claiming at 62 and 5mos

LMK5 wrote: Fri Jul 02, 2021 5:13 pm What if the worker plans to collect SS at age 70 but dies at age 64 (before FRA)? What would the survivor's benefit be? Is it the deceased's FRA, what he would have received at age 70, or something else?
Try inputting the scenario into opensocialsecurity.com to discover your answer.
by Eagle33
Thu Jul 01, 2021 9:35 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3637
Views: 605440

Re: What are you up YTD? [Year To Date]

6.5% with 50/50 AA
by Eagle33
Mon Jun 28, 2021 12:54 pm
Forum: Personal Investments
Topic: I want to save 15% of my income for retirement. I have a 401k and a Roth IRA. Should I open a traditional IRA?
Replies: 9
Views: 1192

Re: I want to save 15% of my income for retirement. I have a 401k and a Roth IRA. Should I open a traditional IRA?

For a single person if you are “covered” as above, the ability to contribute to a tax deductible IRA starts to phase out when your modified adjusted gross income (MAGI) hits $66k. MAGI is basically your salary minus any contributions to a tax deductible 401k plus any investment income like interest...
by Eagle33
Mon Jun 28, 2021 11:13 am
Forum: Personal Investments
Topic: Vanguard Mutual Fund platform > Brokerage transition
Replies: 8
Views: 969

Re: Vanguard Mutual Fund platform > Brokerage transition

I have not yet transition from old MF platform to new brokerage platform. A Roth conversion question about only being able to convert shares instead of dollar amounts, is it possible to have request a combination of whole and partial shares (XXX.XXX shares) of VTSAX or other mutual fund to be conver...
by Eagle33
Sun Jun 27, 2021 12:40 pm
Forum: Personal Investments
Topic: RMD/QCD Question
Replies: 29
Views: 2070

Re: RMD/QCD Question

To be even more specific and to amplify on Celia's answer, QCDs can be made after age 70.5 and before age 72.0 and are not RMDs. Aren't any distributions from your tIRA DURING the YEAR you turn 72 considered RMDs, even if they are taken prior to one's actual birthday? Unlike QCD's that must be take...