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Re: A fund to go with VWINX/VWELX

Please phrase your question following the format in my signature - Asking Portfolio Questions. Why would you want to complement Wellington and Wellesley? What does your asset allocation plan require? Also, please spell out the name of the funds - not everyone on the board knows the symbols by rote m...
by Grt2bOutdoors
Thu Apr 17, 2014 5:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: A fund to go with VWINX/VWELX
Replies: 3
Views: 170

Re: Draft email to investment advisor re outperforming Total

Thanks for the insight this morning. Here is some additional insight from me. Yes, my mind is made up to invest in VTI but I hesitate because of a longstanding relationship for which I’ve been willing to lag the market over the 20+ years my advisor has managed this sub-account (since inception numb...
by Grt2bOutdoors
Thu Apr 17, 2014 4:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Draft email to investment advisor re outperforming Total Mar
Replies: 17
Views: 1206

Re: Live Now, Live Later?

What are you waiting for? You have a $150k DB available to you now, plus your other accounts and your home is paid for? Enjoy your life and devote your time to causes you love and believe in......you are very fortunate. (I have none of the expertise you'll find on this site, and some seem to never ...
by Grt2bOutdoors
Thu Apr 17, 2014 4:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Live Now, Live Later?
Replies: 25
Views: 1519

Re: Where are the Opportunities now ?

what about the split between stocks/bonds for the 401 k portfolio given the recent sky high valuations as noted by Shiller PE for SP500 ? http://www.multpl.com/shiller-pe/ Total International P/E is 14. Large Cap Internaional Value is 13. VWO is 11. Now you have to ask yourself, are you brave enoug...
by Grt2bOutdoors
Thu Apr 17, 2014 1:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where are the Opportunities now ?
Replies: 26
Views: 1332

Re: Where are the Opportunities now ?

I probably haven't tasted the kool aid of Boglehead - I get it from your answers. So I have some questions about ideology then - since obviously I havent gotten the mantra yet. What about value investors that buy common stocks at uncommon prices and sell them at uncommon prices ? are we not to take...
by Grt2bOutdoors
Thu Apr 17, 2014 1:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where are the Opportunities now ?
Replies: 26
Views: 1332

Re: Where are the Opportunities now ?

yes I very well agree that no one can get right market timing all the time. But I was trying to just take a little bit of risk with my money in 401 k based on some advice from Brett Arends. http://www.marketwatch.com/story/what-the-big-money-is-betting-on-in-2014-2013-12-18 What is your thought on ...
by Grt2bOutdoors
Thu Apr 17, 2014 1:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where are the Opportunities now ?
Replies: 26
Views: 1332

Re: Live Now, Live Later?

What are you waiting for? You have a $150k DB available to you now, plus your other accounts and your home is paid for? Enjoy your life and devote your time to causes you love and believe in......you are very fortunate. (I have none of the expertise you'll find on this site, and some seem to never ...
by Grt2bOutdoors
Thu Apr 17, 2014 1:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Live Now, Live Later?
Replies: 25
Views: 1519

Re: Help looking for ways to get to 50-50

epictetus wrote:The Tax-managed balanced fund might be worth taking a look at. It is roughly 50/50 stocks and municipal bonds.


How does that help when Target retirement is allocated 54/46? Still doesn't get her to a 50/50 combined portfolio allocation.
by Grt2bOutdoors
Thu Apr 17, 2014 10:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Help looking for ways to get to 50-50
Replies: 9
Views: 372

Re: Help looking for ways to get to 50-50

What is your sister's marginal tax bracket - Fed and state? A simple solution is to keep the Target Retirement 2015 fund and purchase 65.2K of Lifestrategy Growth which is 80/20 equity/fixed. That would leave 97K+ in cash - take $10K of that and purchase an I bond before April 29th - she'll earn mor...
by Grt2bOutdoors
Thu Apr 17, 2014 10:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Help looking for ways to get to 50-50
Replies: 9
Views: 372

Re: Newly Widowed, what to do with the life insurance money.

So be aware that this can happen with your gift....... What gift? I just looked at a FAFSA and the word gift doesn't appear. Is buying food for your child really a gift that FAFSA will penalize you for? What I read was that the OP wants to provide ordinary parental support to her children. Her asse...
by Grt2bOutdoors
Thu Apr 17, 2014 9:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Newly Widowed, what to do with the life insurance money....
Replies: 25
Views: 2604

Re: Help a saver become an investor - Portfolio help

Welcome to the forum!
Please spell out the names of your holdings, as much as we want to help, we simply do not have the time to decipher security symbols and include their expense ratio next to the names. What are the gains/losses in the taxable account by holding?
by Grt2bOutdoors
Thu Apr 17, 2014 8:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Help a saver become an investor - Portfolio help
Replies: 5
Views: 548

Re: Newly Widowed, what to do with the life insurance money.

Sorry for your loss. As others have said, do nothing other than to place the money in an FDIC insured savings or cd account. Take the time to grieve. Regarding taxing of survivors benefits, here is the link to the IRS publication 915 that provides examples of how or when they do fall in that categor...
by Grt2bOutdoors
Thu Apr 17, 2014 8:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Newly Widowed, what to do with the life insurance money....
Replies: 25
Views: 2604

Re: Portfolio generating 7% return?

You've worked a lifetime to save for your retirement, are you willing to see it go up in smoke in the span of a few years?
Betting 20% of your total pot on just 5 individual companies? Nuts!
by Grt2bOutdoors
Wed Apr 16, 2014 9:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio generating 7% return?
Replies: 10
Views: 1584

Re: Paying car loan vs. Investing in Roth IRA

Try this experiment - take $2,750 and send it to the financing company, then take $2,750 and open a roth in each of the next two years. Your car will be paid off in less than 3 years, your Roth will be half filled for 2 years (2014 +2015), but then in year 3 (first 4 months of 2016) you should be ab...
by Grt2bOutdoors
Wed Apr 16, 2014 9:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Paying car loan vs. Investing in Roth IRA
Replies: 6
Views: 339

Re: GMO Forecasts now include Value and Growth

They did do this in the past for a little bit, but discontinued for a while. Interesting that domestic equities are favoring the growth component, while intl favors value. RM In other words, they are saying the US market is overpriced vs. the International markets. No surprise there, they've been b...
by Grt2bOutdoors
Wed Apr 16, 2014 8:53 am
 
Forum: Investing - Theory, News & General
Topic: GMO Forecasts now include Value and Growth
Replies: 17
Views: 1045

Re: What is your net worth

If we're in between numbers should we round up or round down?
by Grt2bOutdoors
Wed Apr 16, 2014 8:46 am
 
Forum: Investing - Theory, News & General
Topic: What is your net worth
Replies: 37
Views: 5170

Re: Reading material on mortgages?

I will likely purchase my first house sometime next year (read: I will likely purchase my first mortgage next year). I'd like to learn more about how mortgages work and how the purchasing process works so I buy what is appropriate for me and I don't get fleeced at signing time. I'm hoping to put at...
by Grt2bOutdoors
Tue Apr 15, 2014 11:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reading material on mortgages?
Replies: 9
Views: 480

Re: TIAA-CREF is buying Nuveen?

"Gold standard," eh? http://www.theguardian.com/business/2011/aug/22/ratings-agencies-conflict-of-interest Lev Ever read a Moody's credit rating? You'll have to do much better than to rely on a periodical that was published over 3 years ago. I'm no fan of either of the three "reliabl...
by Grt2bOutdoors
Tue Apr 15, 2014 10:13 pm
 
Forum: Investing - Theory, News & General
Topic: TIAA-CREF is buying Nuveen?
Replies: 44
Views: 2414

Re: financial advisor

hi, friends of mine all say I should go to their financial advisor. they say he helps them with their finances. I max out my ira, my 401k and am working to build up my emergency fund. what do you think? What wonderous miracles will the financial adviser perform for you other than to make your walle...
by Grt2bOutdoors
Tue Apr 15, 2014 7:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: financial advisor
Replies: 6
Views: 381

Re: Where to put new monthly emergency fund contributions?

Limited Term Muni and/or Intermediate Term Tax Exempt. I would not be so reliant on any equity holding in your brokerage account to be that secondary buffer - maybe a third level, but definitely not secondary and only 6 months and less being the barrier between drawing down on it or not. E-funds sho...
by Grt2bOutdoors
Tue Apr 15, 2014 4:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where to put new monthly emergency fund contributions?
Replies: 5
Views: 635

Re: TIAA-CREF is buying Nuveen?

So far the ratings score is 2 -1: Fitch and A. M. Best have reaffirmed TIAAs current AAA rating, while Moody's is considering a downgrade. Lev Moody's is the gold standard in credit ratings. Fitch is eh-eh, A.M. Best is eh-eh. I'd take a Moody's write-up over S&P any day of the week, and give l...
by Grt2bOutdoors
Tue Apr 15, 2014 4:29 pm
 
Forum: Investing - Theory, News & General
Topic: TIAA-CREF is buying Nuveen?
Replies: 44
Views: 2414

Re: TIAA-CREF is buying Nuveen?

I did see this and I was not sure what to make of it. A "not for profit" buying a "for profit"! Interesting. That is incorrect. TIAA-CREF became a private, for profit company in 1998. The change occurred due to industry complaints (Vanguard and Fidelity amongst others) that TIAA...
by Grt2bOutdoors
Tue Apr 15, 2014 12:56 pm
 
Forum: Investing - Theory, News & General
Topic: TIAA-CREF is buying Nuveen?
Replies: 44
Views: 2414

Re: Children Savings Account [Money Received on Child's Beha

Money given to my child goes into a UTMA account with myself as custodian and child as minor. That money is intended for college (well, maybe, depends if the 529 plan will be fully funded come time) at least, that is what I will be saying from the near future to high school - it's not a let me go ou...
by Grt2bOutdoors
Tue Apr 15, 2014 12:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Children Savings Account [Money Received on Child's Behalf]
Replies: 11
Views: 627

Re: TIAA-CREF is buying Nuveen?

grttobe: I think the central question is why don't they go public? Quit messing around and start making real money like Wall Street does. Is it in their Charter not to go public? Or are they trying to have it both ways to fool guys and gals like me who want them to continue as before? What is the n...
by Grt2bOutdoors
Tue Apr 15, 2014 9:45 am
 
Forum: Investing - Theory, News & General
Topic: TIAA-CREF is buying Nuveen?
Replies: 44
Views: 2414

Re: Asset Allocation Help Please

What low fee funds are available in your 401k today?
What asset allocation are you comfortable with? 80/20?, 70/30?
by Grt2bOutdoors
Tue Apr 15, 2014 9:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Help Please
Replies: 10
Views: 740

Re: TIAA-CREF is buying Nuveen?

And their investment philosophy about shareholders is the same as vanguards, both have "one master" the fund holders. As a long-time fundholder in TIAA-CREF and Vanguard since the 1980s, and as part of a family that has been investing in TIAA-CREF since the 1960s (my mom is collecting a T...
by Grt2bOutdoors
Tue Apr 15, 2014 9:20 am
 
Forum: Investing - Theory, News & General
Topic: TIAA-CREF is buying Nuveen?
Replies: 44
Views: 2414

Re: Save for 25 years = $1million?

Once upon a time I asked the same exact question to a very knowledgeable colleague. His response: save $40K each and ever year, at the end you'll have a million dollars. :P :oops: My advice to the OP - focus on getting your first $10K, then your first $100K, compounding and time will make it easier ...
by Grt2bOutdoors
Tue Apr 15, 2014 8:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Save for 25 years = $1million?
Replies: 22
Views: 3964

Re: NYTimes: Inexpensive Advice for Index-Fund Investments

Wagnerjb wrote:
livesoft wrote: Real human beings generally answer one's questions on this forum.


What do you call people who ask the OP if they have searched the internet for the answer? :D


Facilitators of advice. :D
by Grt2bOutdoors
Tue Apr 15, 2014 8:38 am
 
Forum: Investing - Help with Personal Investments
Topic: NYTimes: Inexpensive Advice for Index-Fund Investments
Replies: 15
Views: 2349

Re: Children Savings Account [Money Received on Child's Beha

Hello and welcome to the forum! You have a couple of options - a 529 plan, a UTMA account to maintain more flexibility in accessing funds prior to college, a savings account and/or I bonds. It really depends on what objective you have in mind for your child's savings. Many here use the 529 plan opti...
by Grt2bOutdoors
Mon Apr 14, 2014 10:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Children Savings Account [Money Received on Child's Behalf]
Replies: 11
Views: 627

Re: The Case for Dividend Stocks in Retirement (article)

I used to like Jonathan Clement's writing style, but this article if you could call it that was just pitiful. What's worse is those reading the Sunday journal are not likely to be all that savvy when it comes to asset allocation. He's banging a pretty worn out drum.
by Grt2bOutdoors
Mon Apr 14, 2014 10:51 am
 
Forum: Investing - Theory, News & General
Topic: The Case for Dividend Stocks in Retirement (article)
Replies: 27
Views: 2214

Re: TIAA-CREF is buying Nuveen?

Make no mistake, TIAA-CREF is in it for the money. They are looking to boost their bottom line, they are most definitely not non-profit.
by Grt2bOutdoors
Mon Apr 14, 2014 9:49 am
 
Forum: Investing - Theory, News & General
Topic: TIAA-CREF is buying Nuveen?
Replies: 44
Views: 2414

Re: The Case for Dividend Stocks in Retirement (article)

I think you're comparing apples to oranges - dividend paying focused funds typically purchased large cap value equities, they may delve into the mid cap space but you're likely to find by and large those holdings don't make up more than 10% of the fund assets. Also, TRP EI holds international large ...
by Grt2bOutdoors
Mon Apr 14, 2014 9:06 am
 
Forum: Investing - Theory, News & General
Topic: The Case for Dividend Stocks in Retirement (article)
Replies: 27
Views: 2214

Re: Speculation on I Bond fixed rate for May 1st

Fixed rate of zero, followed by low variable rate for the following six months. Even the Fed's minutes indicate worry over persistent low inflationary trends. Paying off higher cost debt seems to be a better use of money, and/or investing in equities long term.
by Grt2bOutdoors
Mon Apr 14, 2014 9:01 am
 
Forum: Investing - Theory, News & General
Topic: Speculation on I Bond fixed rate for May 1st
Replies: 17
Views: 2063

Re: Proper Money management and itinerary for Europe trip

Use a money belt, watch out for gypsy pickpockets over at the colisieum, vatican city and trains/buses. Use an ATM for exchanging dollars for euros. Visit a travelex/amex travel center for a couple of hundred in euros before leaving USA. Lock up your passports in hotel safe. Obtain tickets in advanc...
by Grt2bOutdoors
Sun Apr 13, 2014 2:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Proper Money management and itinerary for Europe trip
Replies: 36
Views: 1703

Re: Taxes with New Accountant ... Is this for real??? Invest

just curious why he said i can't continue contributing to it if i have a 401k from employer. weird You can continue contributing, however you likely will not be able to take a tax deduction for the contribution, instead, you will file a Form 8606 - indicating you made a non-deductible contribution ...
by Grt2bOutdoors
Fri Apr 11, 2014 12:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxes with New Accountant ... Is this for real??? Investing
Replies: 33
Views: 1883

Re: Taxes with New Accountant ... Is this for real??? Invest

First of all, there is nothing magical or special your new or old accountant did other than to follow the tax rules or either NJ or NYS. Second, the NJ accountant should have explained to you that people who work in NYC but live in NJ need to file to state tax returns, one for NJ and one for NYS. Wo...
by Grt2bOutdoors
Fri Apr 11, 2014 12:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxes with New Accountant ... Is this for real??? Investing
Replies: 33
Views: 1883

Re: Improvement needed

"My EJ advisor is a long time friend. [...] If I didn't have such a good friendship I would start moving money asap. As it is, I kind of feel stuck. Perplexed." It is 100% absolutely not possible to lose a friendship over something like this. It is possible that you'll discover that you n...
by Grt2bOutdoors
Fri Apr 11, 2014 10:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Improvement needed
Replies: 42
Views: 1671

Re: Improvement needed

It never ceases to amaze me how people who are getting the short end of the stick feel guilty about trying to get their fair share and do what is right for themselves. Protecting and maintaining your self interest is not the same as being selfish. True, but up to a month or so ago I didn't think by...
by Grt2bOutdoors
Fri Apr 11, 2014 10:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Improvement needed
Replies: 42
Views: 1671

Re: 31 Year Old Needs Investment Advice Please

Hello and welcome to the forum! The S fund is very aggressive and could be very volatile as well. A more diversified portfolio would hold a combination of Large Cap Stocks, Small Cap, International and Bonds. Have you seen the wiki on the 3 Fund Portfolio? You could effectively create a similar type...
by Grt2bOutdoors
Thu Apr 10, 2014 8:54 am
 
Forum: Investing - Help with Personal Investments
Topic: 31 Year Old Needs Investment Advice Please
Replies: 5
Views: 696

Re: AA Help, Please?

Schwab's big selling point is that the Windhaven funds don't lose as much in a market downturn as the rest of the stock market. Will continue reading and studying but we are likely to start moving funds around in the near future (closer to the 3 main index fund portfolio idea). So far, am happy wit...
by Grt2bOutdoors
Thu Apr 10, 2014 8:46 am
 
Forum: Investing - Help with Personal Investments
Topic: AA Help, Please?
Replies: 10
Views: 687

Re: AA Help, Please?

Thanks--yes, we do plan to get rid of the high expense ratio funds and buy index funds. The folks at Vanguard have offered to help us figure out the best way to do this. Haven't asked Schwab if they would also help us figure out the least expensive way to do so. Our Schwab person seems to want to s...
by Grt2bOutdoors
Thu Apr 10, 2014 8:41 am
 
Forum: Investing - Help with Personal Investments
Topic: AA Help, Please?
Replies: 10
Views: 687

Re: emerging markets should they be in your portfolio

While I haven't read the full article, Larry convinced me last year of the benefits of holding an emerging markets slice. I'm still holding and actively buying according to my asset allocation plan.
by Grt2bOutdoors
Thu Apr 10, 2014 8:34 am
 
Forum: Investing - Theory, News & General
Topic: emerging markets should they be in your portfolio
Replies: 14
Views: 1432

Re: Job Offer (Pension Closed since Interview?)

No chance of you entering a frozen plan. Good luck negotiating a 15 to 20 percent bump in pay net because that is what you will need to try and recreate the same level of pension benefit from day one that is similar to an accrual times percentage of pay formula.
by Grt2bOutdoors
Thu Apr 10, 2014 7:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Job Offer (Pension Closed since Interview?)
Replies: 8
Views: 1207

Re: How often do you rebalance to maintain your AA

5/25 bands and once per year also.
by Grt2bOutdoors
Wed Apr 09, 2014 9:07 am
 
Forum: Investing - Help with Personal Investments
Topic: How often do you rebalance to maintain your AA
Replies: 35
Views: 1639

Re: First post - retirement questions

The true determinant of whether your investment portfolio approach is too conservative is a combination of how well you sleep at night (there's a poster on the board who calls this principle the "SWAN" - sleep well at night) and how much you plan on drawing down - 2% is an abnormally low d...
by Grt2bOutdoors
Wed Apr 09, 2014 8:58 am
 
Forum: Investing - Help with Personal Investments
Topic: First post - retirement questions
Replies: 6
Views: 1050

Re: Brown bagging in a more formal office

I work in a professional office enviornment, suit, tie, polished shoes. Surprisingly, over 50% of the floor brown bags it into work - it's usually the young turks who just graduated college and can least afford it who are buying breakfast, coffee 2x a day and lunch, followed by weekly libations. :wi...
by Grt2bOutdoors
Wed Apr 09, 2014 8:48 am
 
Forum: Personal Consumer Issues
Topic: Brown bagging in a more formal office
Replies: 43
Views: 2925

Re: B&M Bank: BoA or Wells Fargo?

Wells. North Carolina was the home of Wachovia which Wells acquired, Wachovia always was customer-centric. BofA - a friend of mine tried to close his savings account and wound up having a 30 minute session on "why are you leaving" before they gave him his money.
by Grt2bOutdoors
Tue Apr 08, 2014 8:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: B&M Bank: BoA or Wells Fargo?
Replies: 25
Views: 1198

Re: How do you walk away from a good job?

You should read John Bogle's write-up on Enough! No man on his deathbed ever said, I wish I could work some more to accumulate more gold (read: cash). Maybe Silas Marnas - are you Silas? counting your gold coins at night? When you have Enough! you'll know it's time to go! When your work is done, you...
by Grt2bOutdoors
Tue Apr 08, 2014 10:12 am
 
Forum: Personal Finance (Not Investing)
Topic: How do you walk away from a good job?
Replies: 29
Views: 3302

Re: 529 for personal education

Consider using the MEFA plan if you want to do your degree in MA. You can effectively lock in today's tuition rates by prefunding I think the last month to enter the program this year will be in May or June of 2014, so read up on it. It's a guaranteed pre-paid plan as opposed to 529 plan, but if you...
by Grt2bOutdoors
Mon Apr 07, 2014 2:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: 529 for personal education
Replies: 3
Views: 310

Re: Roadtrip to Hoover Dam,Grand Canyon,Sedona,Phoenix

I've been to Jerome on the way back from Sedona, it's an old copper mining town that is carved into the side of a mountain - steep ride up. I found it to be a touristy kind of trap and on weekends are filled up with motorcyclists type of crowd, reminded me of a hippie type place. If you're not into ...
by Grt2bOutdoors
Mon Apr 07, 2014 1:31 pm
 
Forum: Personal Consumer Issues
Topic: Roadtrip to Hoover Dam,Grand Canyon,Sedona,Phoenix
Replies: 26
Views: 975
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