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Old 08-01-2017, 02:07 PM   #301
db79
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With the daily historic highs wondering if anyone is changing their short-term strategies, amending asset allocations, moving to cash, sticking to the long-term goal, playing with options, hookers&blow, etc...
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Old 08-01-2017, 03:48 PM   #302
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I moved everything to an income fund earning 3.4% a couple days before Trump took office. I wrote down what the NASDAQ/NYSE/DOW indexes were. I decided once the numbers fall below those numbers at some point (eg bubble burst), I'd buy back in. I should have held longer, perhaps I thought disaster was imminent. Either way, better than the loss from last year.

Any experts have time to sort through my portfolio options? I even did the Fidelity managed acct and had taken the loss on a higher risk profile. Decided to be risk averse this year until things settled.
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Old 08-01-2017, 04:32 PM   #303
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The easiest investment method is to dollar cost average into an S&P 500 ETF, a la, SPY.

Just buy that shit and hold onto it. Long term, stocks have historically returned at a 9% rate.
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Old 08-04-2017, 12:28 PM   #304
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Quote:
Originally Posted by The Magician View Post
I moved everything to an income fund earning 3.4% a couple days before Trump took office. I wrote down what the NASDAQ/NYSE/DOW indexes were. I decided once the numbers fall below those numbers at some point (eg bubble burst), I'd buy back in. I should have held longer, perhaps I thought disaster was imminent. Either way, better than the loss from last year.

Any experts have time to sort through my portfolio options? I even did the Fidelity managed acct and had taken the loss on a higher risk profile. Decided to be risk averse this year until things settled.
Is this a 401k or taxable account?

Post up what the Fund options are (i.e. Ticker, Name, Expense Ratio).
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Old 08-04-2017, 12:44 PM   #305
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Originally Posted by db79 View Post
Is this a 401k or taxable account?

Post up what the Fund options are (i.e. Ticker, Name, Expense Ratio).
401k, target retirement in 2045-2050.

Fund Name
Stock Investments TARGET 2065 FUND
Blended Fund Investments TARGET RET INCOME
Blended Fund Investments TARGET 2015 FUND
Blended Fund Investments TARGET 2020 FUND
Blended Fund Investments TARGET 2025 FUND
Blended Fund Investments TARGET 2030 FUND
Blended Fund Investments TARGET 2035 FUND
Blended Fund Investments TARGET 2040 FUND
Blended Fund Investments TARGET 2045 FUND
Blended Fund Investments TARGET 2050 FUND
Blended Fund Investments TARGET 2055 FUND
Blended Fund Investments TARGET 2060 FUND
Stock Investments S&P 500 EQUITY INDEX
Stock Investments SM/MID CAP EQ INDEX
Stock Investments INTL EQUITY INDEX
Bond Investments DOMESTIC BOND INDEX
Stock Investments LARGE CAP EQ FUND
Stock Investments SM/MID CAP EQ FUND
Stock Investments INTL EQUITY FUND
Bond Investments BOND PLUS FUND
Bond Investments FIXED INCOME FUND
Bond Investments INFLATION RESPONSE
Stock Investments GD STOCK FUND

My previous mix that netted -7% last year is in the picture

I also have an HSA I can invest which is sitting in cash but I can invest in thousands of mutual funds apparently, just need to pick some.
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Last edited by The Magician; 08-04-2017 at 12:48 PM..
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Old 10-20-2017, 12:47 PM   #306
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new 401(k) limits announced


2018 401(k) contribution is increasing to $18,500 (+$500). Catch-up ($6000) and IRA contribution limits ($5500 + $1000 catch-up) remain unchanged. Of importance to those of us who do a mega backdoor Roth, the overall 401k limit is rising from $54,000 to $55,000 (+ catch-up), and the compensation limit is rising from $270,000 to $275,000.

https://www.irs.gov/newsroom/irs-ann...18500-for-2018
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Old 10-29-2017, 08:01 AM   #307
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Quote:
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With the daily historic highs wondering if anyone is changing their short-term strategies, amending asset allocations, moving to cash, sticking to the long-term goal, playing with options, hookers&blow, etc...
Investing is a long-term play... if one makes changes based on what they're seeing today, they're already behind. The moves have already been made. The market is always future-looking.

The most important decision I've made when I was younger was to write an Investment Policy Statement (IPS). It's broad and hasn't changed in over a decade. You're investing over 30-50+ years... anything which happens in the market now is merely a blip on the radar - so long as one's well invested.
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Old 10-30-2017, 08:09 PM   #308
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This just changed my outlook completely.

http://rootofgood.com/roth-ira-conve...ly-retirement/

Before I was all about maxing the roth contributions first. Now it seems like it would be better to do a heavier contribution on the traditional. The goal being to end up with 5 years of living expenses in the roth, until the ladder has time to kick in.
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Old 10-31-2017, 08:21 AM   #309
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Quote:
Originally Posted by csmutty View Post
This just changed my outlook completely.

http://rootofgood.com/roth-ira-conve...ly-retirement/

Before I was all about maxing the roth contributions first. Now it seems like it would be better to do a heavier contribution on the traditional. The goal being to end up with 5 years of living expenses in the roth, until the ladder has time to kick in.
Who knows what the tax laws will be in X amount of years when its time to retire. I utilize various types of tax deferred/advantage/taxable accounts to plan for various types of situations, income streams, reduction of RMDs, tax brackets, etc. Since my wife is younger and will hopefully still be working if I retire early it will be interesting to see if I can get us down into the 15% bracket for those years until I hit FRA.
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Old 10-31-2017, 09:19 AM   #310
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Quote:
Originally Posted by db79 View Post
Who knows what the tax laws will be in X amount of years when its time to retire. I utilize various types of tax deferred/advantage/taxable accounts to plan for various types of situations, income streams, reduction of RMDs, tax brackets, etc. Since my wife is younger and will hopefully still be working if I retire early it will be interesting to see if I can get us down into the 15% bracket for those years until I hit FRA.
Being married and having kids is a huge tax haven. Truth on who knows what the laws will be then. Interesting to see how he set himself up for retirement so early though.
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