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 Post subject: Outside investments
 Post Posted: Wed Aug 17, 2016 5:01 am 
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Joined: Oct 02, 2013
Posts: 511
Location: 沖縄, Japan
Flag: Japan (jp)

Reputation point: 80
Greetings,

I am 26, recently married to a 25 year old wife. We are in the middle of a move to Okinawa, I am already here and my wife is a month out. I am employed as a GS-12 engineer and she is leaving a job as an RN in the hospital back home. She is expecting to hear back about a GS-11 RN in the naval hospital soon, but will be otherwise unemployed shortly.

We own two houses. One will go up for sale next month, and the other is rented for slightly more than the mortgage payment (12 years left on fixed 15 year, 3.5%). I estimated what I will be pocketing after the house is sold, taking into account realtor fees and excise taxes. I estimate that once all of our bills are paid, and we max both of our IRAs and my TSP, that we will have 30-40k to invest. I plan on maxing both IRAs and both TSPs (assuming she gets picked up by the hospital) for the rest of our careers. So I am suddenly faced with 30-40k that I have to invest in something other than the only investment vehicles I have ever known (other than real estate).

We have about 30-40k in combined student loan debt, so the idea of being debt free is certainly appealing. However, we have both been aggressive with our high-interest loans so the remainders are all 3-6% that we could easily pay off in the next 2-3 years. I think that we could beat 3-6% return with an outside investment.

What do you recommend? We have no problem putting this money away in high risk for the LONG haul. We are young, and we don't need it. It is a good problem to have.

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AGG (F Fund)
iShares Lehman Aggregate Bond (AGG)

S&P 500 (C Fund)
S&P 500 INDEX,RTH (^GSPC)

DWCPF (S Fund)
Dow Jones U.S. Completion Total Stock Market Index (^DWCPF)

EFA (I Fund)
iShares MSCI EAFE Index (EFA)