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Re: Asset Allocation Help - New Funds Added to 401K

Thanks for to all who have responded thus far.

DSInvestor:

If I'm not going to attempt to approximate the Total Stock Market in the 401k, do the contents of VTSAX mitigate the need for holding any Extended Market Index (VEMSX) in my 401K?

Thanks again for your help.
by ComebackKid
Tue Apr 29, 2014 8:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Help - New Funds Added to 401K
Replies: 6
Views: 997

Asset Allocation Help - New Funds Added to 401K

Right now I would like an 85/15 AA. My company just replaced some old funds with some Vanguard funds. Can you please provide some insight into how I should set up my AA? The VINIX was previously a S&P 500 Index fund that was automatically transferred. Any help is much appreciated. Thanks! Curren...
by ComebackKid
Mon Apr 28, 2014 9:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Help - New Funds Added to 401K
Replies: 6
Views: 997

Re: Anyone been to Budapest?

Following this thread closely as I'll be in Budapest in April too! Is there a rough percentage of places that only accept Euro as opposed to forint? Something like 30/70? I hope I don't have to carry around both.
by ComebackKid
Thu Mar 27, 2014 6:32 pm
 
Forum: Personal Consumer Issues
Topic: Anyone been to Budapest?
Replies: 31
Views: 5478

Re: Upcoming European Vacation - Currency Exchange Questions

Thanks everyone for the responses. I just applied for a Capital One credit card. It said I was approved and would have the card in 7-10 days. I believe I'll still follow-up to check on the status and ensure that it's actually being sent. Will I need to ask the company about the CHIP + PIN info or wi...
by ComebackKid
Thu Mar 27, 2014 1:26 pm
 
Forum: Personal Consumer Issues
Topic: Upcoming European Vacation - Currency Exchange Questions
Replies: 27
Views: 1532

Re: Upcoming European Vacation - Currency Exchange Questions

Thanks everyone for the comments. Unfortunately the CC I have is with Wells Fargo. I'm assuming in 3 weeks I won't be able to obtain a CC that has no transaction fees. :? MathWizard--Were there any additional fees for obtaining a small amount of local currency at your bank before departing? For all,...
by ComebackKid
Wed Mar 26, 2014 1:36 pm
 
Forum: Personal Consumer Issues
Topic: Upcoming European Vacation - Currency Exchange Questions
Replies: 27
Views: 1532

Upcoming European Vacation - Currency Exchange Questions

Hi All, I'm traveling overseas in 3 weeks for the first time and had some questions regarding currency exchange. I'm going to visit Hungary (forint) and Croatia (kuna). For those who have traveled how to recommend I obtain local currency? I have heard of some people who obtain some currency before d...
by ComebackKid
Wed Mar 26, 2014 7:55 am
 
Forum: Personal Consumer Issues
Topic: Upcoming European Vacation - Currency Exchange Questions
Replies: 27
Views: 1532

Math Behind Information

How would one use mathematics to arrive at the end results listed below? Math has never been my strong suit (in part because I avoided it as though it were the plague in my formative years :? ). Also is there a good resource for similar finance-related issues and how to apply mathematics in order to...
by ComebackKid
Mon Mar 10, 2014 5:50 pm
 
Forum: Investing - Theory, News & General
Topic: Math Behind Information
Replies: 6
Views: 838

Re: 85/15 AA with these 4 Vanguard Funds

Thanks Shredder. An assumed 25% International allocation works for this example.

Are there sites out there where you can enter the different funds and it automatically spits out an allocation breakdown based on general allocation values entered (stocks/bonds)?
by ComebackKid
Mon Mar 10, 2014 5:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: 85/15 AA with these 4 Vanguard Funds
Replies: 3
Views: 442

85/15 AA with these 4 Vanguard Funds

Hi All, With an 85/15 AA, what would be the best way to represent this using the following funds only : Vanguard Extended Market Index Fund Signal Shares (VEMSX) Vanguard Institutional Index Fund Institutional Shares (VINIX) Vanguard Total International Stock Index Fund Signal Shares (VTSGX) Vanguar...
by ComebackKid
Mon Mar 10, 2014 4:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: 85/15 AA with these 4 Vanguard Funds
Replies: 3
Views: 442

Re: Vacation in Europe - Questions

jeffyscott,

What resources did you use for searching/booking your accommodations? Others have already provided some excellent resources in this thread, but I wasn't sure if you were using something that hasn't been mentioned yet. Have a wonderful trip and thanks for commenting!
by ComebackKid
Sat Jan 05, 2013 3:30 pm
 
Forum: Personal Consumer Issues
Topic: Vacation in Europe - Questions
Replies: 27
Views: 2094

Re: Vacation in Europe - Questions

Excellent advise everyone. It's reassuring to hear that usually the less expensive hotels in a given area are nice, clean, and safe. I was hoping there would be enough time to spend a solid 3-4 days in Budapest and then spend the remaining 1.5 weeks in Croatia (including the national/state parks the...
by ComebackKid
Fri Jan 04, 2013 2:46 pm
 
Forum: Personal Consumer Issues
Topic: Vacation in Europe - Questions
Replies: 27
Views: 2094

Re: Vacation in Europe - Questions

Other than the areas we've discussed visiting, I haven't mapped out the route we would take to incorporate them all. Ideally, I'd like to use public transportation as much as possible (trains). It's a bit overwhelming to look at a map and see other countries/cities close enough that all of a sudden ...
by ComebackKid
Thu Jan 03, 2013 9:43 am
 
Forum: Personal Consumer Issues
Topic: Vacation in Europe - Questions
Replies: 27
Views: 2094

Vacation in Europe - Questions

My wife and I are considering going on a 2 week vacation in the early fall 2013 or early spring 2014. We're hoping to incorporate Croatia, Budapest, and depending on time Prague and Krakow (Poland). I've never been to Europe and had a few questions. What is the average amount, per person, that it wo...
by ComebackKid
Wed Jan 02, 2013 8:19 pm
 
Forum: Personal Consumer Issues
Topic: Vacation in Europe - Questions
Replies: 27
Views: 2094

Re: Vanguard Roth IRA Consideration

Johm221122, From what you've suggested, how does the rebalancing work? I'm familiar with rebalancing when they're all under one umbrella and it's easy to just transfer funds, but I'm less familiar with how it could be accomplished when investments are spread out between a 401(k) and a Roth. I'm some...
by ComebackKid
Thu Dec 27, 2012 9:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Roth IRA Consideration
Replies: 12
Views: 1721

Holding Individual Stocks in Vanguard Roth IRA?

I am planning on setting up a Roth IRA but was curious about purchasing/holding individual stocks within a Roth. Is this possible with a Vanguard Roth IRA? What are the benefits/drawbacks of doing so? Any and all information will be much appreciated. Thanks.
by ComebackKid
Thu Dec 27, 2012 11:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Holding Individual Stocks in Vanguard Roth IRA?
Replies: 4
Views: 757

Re: Vanguard Roth IRA Consideration

Thanks Johm.

Would the allocation for the 401K between two you mentioned be 80/20?, or would that be too risky?
by ComebackKid
Fri Dec 21, 2012 10:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Roth IRA Consideration
Replies: 12
Views: 1721

Re: Vanguard Roth IRA Consideration

While I'm seeking recommendations for Roth IRA's and my 401(k) investments, I have another question: What is the best company to go through for purchasing individual stocks as part of your Roth IRA portfolio? Any assistance is appreciated. Thanks.
by ComebackKid
Thu Dec 20, 2012 10:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Roth IRA Consideration
Replies: 12
Views: 1721

Re: Vanguard Roth IRA Consideration

I currently have $21,244 invested in my 401K at the moment, 100% in a target fund (Schwab Index Ret Trust 2045). 10 months ago, in order to catch up, I upped my savings rate to 17%. So I'm putting about $7,500 a year into my 401K. Like most people, I would love to retire early (if possible) and comf...
by ComebackKid
Thu Dec 20, 2012 10:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Roth IRA Consideration
Replies: 12
Views: 1721

Vanguard Roth IRA Consideration

I have been thinking about opening a Roth IRA with Vanguard. I just turned 30 and thought it would be a great gift to myself. I obviously misunderstood, but I didn't realize that in order to invest in VBMFX, VTSMX, and VGTSX, it would cost $3K each (total of $9K). I, for some reason, had thought I c...
by ComebackKid
Tue Dec 18, 2012 8:25 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Roth IRA Consideration
Replies: 12
Views: 1721

Retirement Saving Question

I've got a basic question. Should I split my retirement savings between contributing to both a 401(k) and a Roth IRA or should I focus my savings into the 401(k) only? I'm having trouble trying to figure out if it will be more valuable to have a larger amount of money compounding (pre-tax) versus ha...
by ComebackKid
Tue Dec 11, 2012 9:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement Saving Question
Replies: 11
Views: 1110

How much to contribute to 401(k) vs. Roth?

Currently i'm contributing 17% to my 401(K), but I'm strongly considering opening a Roth IRA with my wife. Two questions: 1) Can you jointly open a Roth? 2) I'm looking for some advice for how much to contribute to both a 401K and a Roth. I intend to contribute, at a minimum, enough to get all compa...
by ComebackKid
Fri Nov 30, 2012 8:29 am
 
Forum: Personal Finance (Not Investing)
Topic: How much to contribute to 401(k) vs. Roth?
Replies: 11
Views: 1095

0% Financing - Adverse effects on Credit Score?

I just purchased a new bed and couch. They offered financing for 0%. I have the money to pay it off immediately, but thought it might be beneficial to space out the payment over a year. Will doing this adversely affect my credit score in any way?
by ComebackKid
Tue Sep 18, 2012 5:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: 0% Financing - Adverse effects on Credit Score?
Replies: 3
Views: 392

401K Confusion

First, some basic information that will help to understand my situation and tailor any advice. I'm 29 years old. Started a little late with investing in my 401K, but I'm trying to play catch up. I have about almost $16K invested in my 401K at the moment divided up: 84% in a target fund (Schwab Index...
by ComebackKid
Thu Jul 19, 2012 7:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K Confusion
Replies: 1
Views: 324

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