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Re: Which Index Fund to choose?

You can answer the ER question for yourself. What are the expense ratios of the three funds? Do I use Net or Gross ER? and if these funds are almost the exact same in every other aspect of their history and likely stay the same in the future, is the lowest ER the best way to choose between the thre...
by BrianJone
Tue Apr 09, 2013 9:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which Index Fund to choose?
Replies: 19
Views: 816

Re: Which Index Fund to choose?

BrianJone wrote:
NYBoglehead wrote:I am a fan of the Vanguard Total Stock Market Index fund. Low ER, provides exposure to the entirety of the US equity market.


Don't the other two have lower ERs :confused



can anyone help answer this please? thank you :sharebeer
by BrianJone
Tue Apr 09, 2013 9:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which Index Fund to choose?
Replies: 19
Views: 816

Re: Which Index Fund to choose?

The 3 funds have different minimum initial investments, so if one could not meet that initial minimum that would eliminate that fund. BrianJone, can you do the research for us and tell us what the initial minimum purchase amount is for each of these funds please? I quality for all 3 Min's so that w...
by BrianJone
Tue Apr 09, 2013 9:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which Index Fund to choose?
Replies: 19
Views: 816

Re: Which Index Fund to choose?

They are the same and essentially equivalent. In support of the above message... The following chart (made using Morningstar's website) compares the three funds' performance over the last 10 years. Yes, there really are three separate performance lines in that picture. http://i.imgur.com/cP5vgPC.pn...
by BrianJone
Tue Apr 09, 2013 9:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which Index Fund to choose?
Replies: 19
Views: 816

Re: Which Index Fund to choose?

NYBoglehead wrote:I am a fan of the Vanguard Total Stock Market Index fund. Low ER, provides exposure to the entirety of the US equity market.


Don't the other two have lower ERs :confused
by BrianJone
Tue Apr 09, 2013 9:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which Index Fund to choose?
Replies: 19
Views: 816

Which Index Fund to choose?

I found 3 index funds, they all look to be very similar and almost the same things. The Expense Ratio is slightly different and price, though the investing is very similar for all of the index funds. While they are so close, based on the information given in each link, which of the three do you sugg...
by BrianJone
Tue Apr 09, 2013 9:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which Index Fund to choose?
Replies: 19
Views: 816

Re: Total Stock Market Fund or Total International Fund?

ruralavalon wrote:discontinue over-thinking the small stuff.


You are totally right! I will be making a decision early this week as to how I start and then not touch it for decades. No need to over-thing the small stuff, thank you.
by BrianJone
Sun Apr 07, 2013 9:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Total Stock Market Fund or Total International Fund?
Replies: 41
Views: 3543

Re: Total Stock Market Fund or Total International Fund?

If you are going to be a Lumper instead of a Splitter... I do not understand the differences, what is a Lumper vs. Splitter? and what case could be made for someone to be one over the other? Adding asset classes, 1 component at a time... building a S&D Portfolio Yr 1 = FTSE X-US International S...
by BrianJone
Sun Apr 07, 2013 9:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Total Stock Market Fund or Total International Fund?
Replies: 41
Views: 3543

Re: Total Stock Market Fund or Total International Fund?

Since you already have bonds and want just one stock fund, I would suggest Vanguard Total Stock Market Index Fund. Some peole, including Mr. Bogle, don't think that international is ever necessary. What is the reason for international funds included in so many Vanguard Funds? Is it to protect again...
by BrianJone
Sun Apr 07, 2013 7:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Total Stock Market Fund or Total International Fund?
Replies: 41
Views: 3543

Re: Total Stock Market Fund or Total International Fund?

Having a few hundred dollars in bonds using one of the TR funds is pretty insignificant. I wouldn't worry about it. By which I mean, it's not going to change your return by an appreciable amount. the amount of money doesn't matter does it? Isn't it the percentages? And the bonds I already own total...
by BrianJone
Sat Apr 06, 2013 6:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Total Stock Market Fund or Total International Fund?
Replies: 41
Views: 3543

Re: Total Stock Market Fund or Total International Fund?

I want my initial investment in a Roth to be focused all on stocks . If this is 100% requirement, then go with boggler on the VTWSX [45% US, 55% Int]. Otherwise, you could do a lot worse than any of the 2040-2060 target funds. On those target funds, you're looking at roughly [62% US, 27% Int, 9% bo...
by BrianJone
Fri Apr 05, 2013 10:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total Stock Market Fund or Total International Fund?
Replies: 41
Views: 3543

Re: Total Stock Market Fund or Total International Fund?

Brian, what's wrong with the TR 2016? Any reasons for not liking it? I have no personal problem with it, but it includes Bonds and I already have a lot of money (gifted to me) in the form of Savings Bonds, so to start ballancing my retirement I thought it would be best to focus on total market inde...
by BrianJone
Wed Apr 03, 2013 6:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total Stock Market Fund or Total International Fund?
Replies: 41
Views: 3543

Re: Total Stock Market Fund or Total International Fund?

ram wrote:However right now international is on sale.


If I buy international today, can I transfer it (staying within my Roth Account) to US Stock Index Fund at a later date for free, or is there a charge to switch funds like that?
by BrianJone
Wed Apr 03, 2013 6:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total Stock Market Fund or Total International Fund?
Replies: 41
Views: 3543

Re: Total Stock Market Fund or Total International Fund?

I'd suggest VTWSX or the ETF version (VT). The ETF version has lower fees. It's a market-cap-weighted combination of the two you mentioned. I am new to investing, can you tell me a little about the difference between these two please and what is an ETF, is there a reason it has a lower expense rati...
by BrianJone
Wed Apr 03, 2013 5:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total Stock Market Fund or Total International Fund?
Replies: 41
Views: 3543

Re: Total Stock Market Fund or Total International Fund?

WHL wrote:If I was starting from scratch right now without enough money to qualify for Admiral shares, I would buy into a Target Retirement fund.


Do all the target retirement funds include bonds?
by BrianJone
Wed Apr 03, 2013 5:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total Stock Market Fund or Total International Fund?
Replies: 41
Views: 3543

Re: Total Stock Market Fund or Total International Fund?

Peter Foley wrote: I personally would start with international and then add US - only because US has done so well compared to international over the past 3 months.


And to this point you mean the international can be purchased at a lower price as of today?
by BrianJone
Wed Apr 03, 2013 5:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total Stock Market Fund or Total International Fund?
Replies: 41
Views: 3543

Total Stock Market Fund or Total International Fund?

Starting my Roth IRA for the first time, my funds are limited. I only have enough to invest of one of these two funds, the Vanguard Total Stock Market Index Fund or Vanguard Total International Stock Index Fund. I already have savings bonds so i want my initial investment in a Roth to be focused all...
by BrianJone
Wed Apr 03, 2013 5:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total Stock Market Fund or Total International Fund?
Replies: 41
Views: 3543

Save for Mortgage or Invest?

I am renting now but will be in the market to buy a home in that next 2-4 years. With the extra money from work each month, is it best for me to put that away for retirement each year or should I put it into some type of savings account or short term CD so when I buy the home, a large portion can be...
by BrianJone
Wed Apr 03, 2013 10:27 am
 
Forum: Investing - Theory, News & General
Topic: Save for Mortgage or Invest?
Replies: 2
Views: 288

Re: What is needed when calculating EF?

Khanmots wrote:Point is you'll need to figure out what works for you.


Are there any forms or online pages that could be used to help make personal calculations?
by BrianJone
Tue Apr 02, 2013 9:19 pm
 
Forum: Investing - Theory, News & General
Topic: What is needed when calculating EF?
Replies: 8
Views: 546

What is needed when calculating EF?

For an Emergency Fund, does that include items such as credit card payments typically made on average each month or is that only items such as rent, car payments items such as those? I have money to pay down some debt and invest but I want to make sure to fully have my EF ready before I do this. and...
by BrianJone
Tue Apr 02, 2013 4:05 pm
 
Forum: Investing - Theory, News & General
Topic: What is needed when calculating EF?
Replies: 8
Views: 546

Re: Investment Book Ideas

Austintatious wrote: John Bogle's book The Little Book of Common Sense Investing.


I just got this book and started reading it.....are there any key parts you can think of that i should pay special attention to?
by BrianJone
Tue Mar 26, 2013 1:02 am
 
Forum: Investing - Theory, News & General
Topic: Investment Book Ideas
Replies: 12
Views: 1085

Re: What goes in Roth First? Revisited

I ran the same spreadsheet with lower bond returns and then with lower stock returns. As one would expect, the better stocks do in relation to bonds the more stocks-first strategy is favored and vice versa. As has also been pointed out, the next decade is likely to mean poorer than average bond ret...
by BrianJone
Mon Mar 25, 2013 1:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: What goes in Roth First? Revisited
Replies: 61
Views: 3409

Re: What goes in Roth First? Revisited

I'm new here but have a similar question as originally posted. One thing I'm wondering though, is about the risk of stocks vs bonds. It isn't mentioned above, but when someone invests in stocks, isn't there a greater increase is risk (decrease in value including principal) when related to the risk o...
by BrianJone
Mon Mar 25, 2013 8:38 am
 
Forum: Investing - Help with Personal Investments
Topic: What goes in Roth First? Revisited
Replies: 61
Views: 3409

Re: Please Help with my 1st Roth IRA

Brian, perhaps I got confused on your position regarding risk. I know the information you posted about judging risk was from Vanguard, but I thought it echoed your personal feelings. So, now what stock/bond allocations do you think you will use? Paul Before reading some of the suggested articles po...
by BrianJone
Sun Mar 24, 2013 11:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Please Help with my 1st Roth IRA
Replies: 30
Views: 1704

Re: Please Help with my 1st Roth IRA

BrianJone, I'm a little bit confused by your perspective on this. You say you own stocks and bonds but you "have never done any investing like this". Isn't stocks and bonds "investing"? The bonds are savings bonds that were purchased for me on birthdays and graduations. the stoc...
by BrianJone
Sat Mar 23, 2013 7:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please Help with my 1st Roth IRA
Replies: 30
Views: 1704

Re: Please Help with my 1st Roth IRA

Brian, there are a few contradictions and concerns in your discussion on risk tolerance. For instance, you said: Generally, I prefer an investment with little or no fluctuation in value, and I’m willing to accept a lower return on this investment. Nothing wrong with that, but it suggests you would ...
by BrianJone
Sat Mar 23, 2013 1:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please Help with my 1st Roth IRA
Replies: 30
Views: 1704

Re: Please Help with my 1st Roth IRA

At my age, and knowing I will hold this Roth IRA for 30+ years before even thinking of taking any money out, the Growth (80% stocks) would likely be the better direction for me to go, is that what others here would suggest? I'll briefly stick my nose in this thread to offer one bit of advice. It se...
by BrianJone
Sat Mar 23, 2013 12:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please Help with my 1st Roth IRA
Replies: 30
Views: 1704

Re: Choice of two funds?

At my age, and knowing I will hold this Roth IRA for 30+ years before even thinking of taking any money out, the Growth (80% stocks) would likely be the better direction for me to go, is that what others here would suggest? Thanks. Brian: An 80% stock portfolio should be expected to decline at leas...
by BrianJone
Sat Mar 23, 2013 12:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please Help with my 1st Roth IRA
Replies: 30
Views: 1704

Re: Investment Book Ideas

BerkeleyChris wrote:Enough by John Bogle is good.


I just finished reading Enough. :beer

A good book and now ready to move on to the next one......of this list (or your own opinion) which one should be next on my list to read?

Thanks!
by BrianJone
Sat Mar 23, 2013 7:04 am
 
Forum: Investing - Theory, News & General
Topic: Investment Book Ideas
Replies: 12
Views: 1085

Re: Please Help with my 1st Roth IRA

^^^ which brings up another thing to read: LifeStrategy Funds vs Target Retirement Funds :) Another great article to read, and with this information I have decided to stay with the Life Strategy funds......which now has me deciding between Growth and Moderate Growth. The Growth Fund (on vanguard) i...
by BrianJone
Sat Mar 23, 2013 6:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Please Help with my 1st Roth IRA
Replies: 30
Views: 1704

Re: Please Help with my 1st Roth IRA

LadyGeek wrote:Just in case, have you seen the wiki article? Vanguard LifeStrategy Funds


I did not yet see this article but I will read it now.
thank you for sharing!
by BrianJone
Fri Mar 22, 2013 8:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please Help with my 1st Roth IRA
Replies: 30
Views: 1704

Re: Please Help with my 1st Roth IRA

Thank you Brian. Do you have an opinion between the two index funds for someone just starting their IRA?
by BrianJone
Fri Mar 22, 2013 6:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please Help with my 1st Roth IRA
Replies: 30
Views: 1704

Re: Please Help with my 1st Roth IRA

In addition to the Life Sttrategy funds mentioned in the original post, I found this as an option. Can anyone offer their suggestion or advice in this investment which does not include global index funds? I would enjoy hearing from this experts as this is my start of investing. Thank you. It is the ...
by BrianJone
Fri Mar 22, 2013 1:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please Help with my 1st Roth IRA
Replies: 30
Views: 1704

Re: Please Help with my 1st Roth IRA

It asks if I Strongly Disagree, Disagree, Somewhat Agree, Agree or Strongly Agree with these TWO questions: 1) Generally, I prefer an investment with little or no fluctuation in value, and I’m willing to accept a lower return on this investment. 2) During market declines, I tend to sell portions of...
by BrianJone
Mon Mar 18, 2013 8:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please Help with my 1st Roth IRA
Replies: 30
Views: 1704

Re: Getting started.

Brian: It was suggested using Vanguard, and they sound like a good option, though I am open to other ideas. The two funds that were mentioned to me in another forum post were: Vanguard LifeStrategy Growth Fund (VASGX) (80/20 atock/bond allocation) Vanguard LifeStrategy Moderate Growth Fund (VSMGX) ...
by BrianJone
Mon Mar 18, 2013 5:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please Help with my 1st Roth IRA
Replies: 30
Views: 1704

Re: Should I Invest, or Pay Debt?

I think that peope will probably continue to address your original question rather than your current question -- unless you change the title of the thread, or amend you original post to add your current question about what fund(s) to use, or both. Thank you for your advice, I have posted this as a ...
by BrianJone
Mon Mar 18, 2013 4:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I Invest, or Pay Debt?
Replies: 56
Views: 4315

Please Help with my 1st Roth IRA

I have been on here for a little while and from talking and learning from great people, I have decided to invest in a Roth IRA (for 2012 and 2013), but have never done any investing like this so I am hoping to get some help. I am 30 years old and at this time am single but will be getting married th...
by BrianJone
Mon Mar 18, 2013 4:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please Help with my 1st Roth IRA
Replies: 30
Views: 1704

Re: Should I Invest, or Pay Debt?

As for the fund to use in the IRA, I would initially suggest either : Vanguard LifeStrategy Growth Fund (VASGX) (80/20 atock/bond allocation) ; or Vanguard LifeStrategy Moderate Growth Fund (VSMGX) (60/40 stock/bond allocation). Both are combinations of very broadly diversified index funds. I have ...
by BrianJone
Sun Mar 17, 2013 8:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I Invest, or Pay Debt?
Replies: 56
Views: 4315

Re: Can someone help me with my Roth IRA before I pay taxes?

This has been so helpful, I am happy I asked this question. If you dont mind answering (open to anyone), do you specifically invest in the way that you think is the best for yourself, or are there funds that you or they (places like Vangaurd or others) would suggest? This is my first time making suc...
by BrianJone
Sat Mar 16, 2013 8:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can someone help me with my Roth IRA before I pay taxes?
Replies: 28
Views: 2321

Re: Can someone help me with my Roth IRA before I pay taxes?

I have not invested in any IRA before. I wanted to invest in my 2012 Roth IRA and also invest in my 2013 Roth IRA but I do not know the process. Is there a specific way I should buy it, or do I just buy it on my own (Likely through Vangaurd) and then just report it to my accountant when I take him ...
by BrianJone
Sat Mar 16, 2013 7:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can someone help me with my Roth IRA before I pay taxes?
Replies: 28
Views: 2321

Re: Can someone help me with my Roth IRA before I pay taxes?

Roth IRA contributions are NOT reported on your tax return. You can buy on your own at Vanguard. You must make sure you are eligible which means you had enough earned income and compensation in 2012 for the 2012 contribution and the same for the 2013 contribution. The easiest thing to do is to call...
by BrianJone
Sat Mar 16, 2013 7:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can someone help me with my Roth IRA before I pay taxes?
Replies: 28
Views: 2321

Can someone help me with my Roth IRA before I pay taxes?

I have not invested in any IRA before. I wanted to invest in my 2012 Roth IRA and also invest in my 2013 Roth IRA but I do not know the process. Is there a specific way I should buy it, or do I just buy it on my own (Likely through Vangaurd) and then just report it to my accountant when I take him a...
by BrianJone
Sat Mar 16, 2013 7:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can someone help me with my Roth IRA before I pay taxes?
Replies: 28
Views: 2321

Investment Book Ideas

I was suggested a book titled "The Smartest Investment Book You'll Ever Read" by Daniel Solin

does anyone have a review to offer on this book or others to suggest?
by BrianJone
Thu Mar 14, 2013 8:56 pm
 
Forum: Investing - Theory, News & General
Topic: Investment Book Ideas
Replies: 12
Views: 1085

Re: Should I Invest, or Pay Debt?

I too agree with NYdad. Roth space is very limited so take advantage of it while you can. As a self employed individual you also need a good emergency fund. That would make my priorities 1. Emergency fund, 2. Roth, 3. debt reduction (the car loan is not deductible). Note: after 5 years your Roth co...
by BrianJone
Thu Mar 14, 2013 3:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I Invest, or Pay Debt?
Replies: 56
Views: 4315

Re: Should I Invest, or Pay Debt?

Default User BR wrote:What do you mean? What mutual fund can you buy with a single flat fee?

Brian



I have never invested in a mutual fund, but that does sound like a very low fee, thank you.
by BrianJone
Thu Mar 14, 2013 6:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I Invest, or Pay Debt?
Replies: 56
Views: 4315

Re: Should I Invest, or Pay Debt?

bayview wrote:Worked for me. I'm on a Mac using Firefox, in case that's relevant.


It worked for me after a computer restart. thanks.
by BrianJone
Thu Mar 14, 2013 6:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I Invest, or Pay Debt?
Replies: 56
Views: 4315

Re: Should I Invest, or Pay Debt?

ruralavalon wrote:Otherwise prefer a traditional IRA. "I think for most people the majority, if not 100%, of the contribution should go to a Traditional 401(k)." http://thefinancebuff.com/case-against-roth-401k.html



this link isnt working for me.
does it work for anyone else?
by BrianJone
Tue Mar 12, 2013 10:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I Invest, or Pay Debt?
Replies: 56
Views: 4315

Re: Should I Invest, or Pay Debt?

How much does Vanguard charge for these IRA's, does anyone know? and can these be used for either Roth or Traditional? They are mutual funds. An IRA is a container. The mutual funds listed can go into Roth, Traditional, taxable brokerage, whatever. Vanguard doesn't charge a fee to purchase their pr...
by BrianJone
Tue Mar 12, 2013 8:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I Invest, or Pay Debt?
Replies: 56
Views: 4315

Re: Should I Invest, or Pay Debt?

SkierMom wrote:Are your student loans Federal or Private?

If Private student loans, I would pay these off before anything else. They are too much of a burden, and potentially can weigh you down in more ways than you know....


federal, does that matter?
by BrianJone
Tue Mar 12, 2013 7:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I Invest, or Pay Debt?
Replies: 56
Views: 4315

Re: Should I buy a home rather than rent?

Regarding renting versus buying...unless you're paying cash for a home, aren't you just changing the definition of renting in that you will now just be renting the mortgage money rather than the dwelling? :wink: Cheers, Fred I have heard this before, and do agree in part, but when you rent money yo...
by BrianJone
Tue Mar 12, 2013 6:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I buy a home rather than rent?
Replies: 25
Views: 2248
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