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Re: Bond Allocation - 27 y/o

I think your overthinking it.As you said 2% will make no difference.Use total bond market or best choice in 401

John
by Johm221122
Tue Aug 19, 2014 11:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond Allocation - 27 y/o
Replies: 4
Views: 348

Re: Vanguard Index vs American Funds?

I would not compare those funds with S&P 500 index but with Total Market indexes.That being said why do you need to look at seven funds if you want to invest in large dividend paying US stocks.Have you read the WIKI
http://www.bogleheads.org/wiki/Three-fund_portfolio


John
by Johm221122
Sat Aug 16, 2014 7:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Index vs American Funds?
Replies: 33
Views: 3081

Re: Hello and Help!

Welcome to forum
Bogleheads philosophy
http://www.bogleheads.org/wiki/Boglehea ... philosophy


John
by Johm221122
Fri Aug 15, 2014 7:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hello and Help!
Replies: 5
Views: 474

Re: Robin Williams

Thank you for reopening this thread. I can count on one hand the times I have cried over the loss of a celebrity. Robin Williams joins that short list. He was one in a million. I loved him in Good Morning Vietnam, watched it again a few weeks ago. And of course The Birdcage, The World According to ...
by Johm221122
Tue Aug 12, 2014 10:34 pm
 
Forum: Personal Consumer Issues
Topic: Robin Williams
Replies: 42
Views: 4615

Re: Riding the Rails--my Amtrak trip

It was intresting, thanks for sharing :sharebeer


John
by Johm221122
Tue Aug 12, 2014 11:55 am
 
Forum: Personal Consumer Issues
Topic: Riding the Rails--my Amtrak trip
Replies: 78
Views: 9033

Re: Roth IRA Allocations - New Bogleheads Member

What AA do you want?

Pick best funds in employer plans
Choose tax efficient funds in taxable(if any)
Choose ira funds


To get better answer we need tax rate, employer options and more
Asking portfolio question
viewtopic.php?t=6212

Welcome to forum,
John
by Johm221122
Tue Aug 12, 2014 1:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA Allocations - New Bogleheads Member
Replies: 2
Views: 346

Re: Need for International Investing ?

We are arguing about whether the very best seats for a movie are in the precise center of the row, or whether there are advantages to being on the aisle that outweigh the advantages of being in the precise mathematical center. Everyone agrees that you can see the movie from any seat in the theatre....
by Johm221122
Tue Aug 12, 2014 12:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Need for International Investing ?
Replies: 49
Views: 2529

Re: Vanguard: "Social Security: How to decide when it's time

Thanks for sharing, a great reference for any one.For me being single it's a no brainer if I stay healthy


John
by Johm221122
Mon Aug 11, 2014 10:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard:"Social Security: How to decide when it's time."
Replies: 79
Views: 5399

Re: What's an acceptable stable value fund rate?

A big factor is the exspence ratio of the vanguard bond index :?: the higher the exspence ratio the more likely I would choose the stable value fund

John
by Johm221122
Mon Aug 11, 2014 10:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: What's an acceptable stable value fund rate?
Replies: 18
Views: 1360

Re: Need for International Investing ?

I am a beginner/intermediate investor. My main source of investing now is Ben Graham. I read his book and try to go with what he suggests. I looked again and I could not find any mention of international investing. I am thinking of reducing and holding 10% in an international index fund. Why :?: John
by Johm221122
Mon Aug 11, 2014 9:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Need for International Investing ?
Replies: 49
Views: 2529

Re: Most Hated Brokerage Firm? [or one that you love]

Any firm that tries to sell you a whole life policy (unless you have a very specific need)
In my case Ameriprise.Fortunately, I did not buy it.As a person with no dependents, it was a obvious ploy to sell me something unneeded.

John
by Johm221122
Sun Aug 10, 2014 9:32 pm
 
Forum: Investing - Theory, News & General
Topic: Most Hated Brokerage Firm? [or one that you love]
Replies: 74
Views: 7155

Re: is the S&P actively managed?

Thank you, very investing information.I never realized that the S&P 500 index was not truly a passive index funds.

John
by Johm221122
Sun Aug 10, 2014 8:37 pm
 
Forum: Investing - Theory, News & General
Topic: is the S&P actively managed?
Replies: 10
Views: 1287

Re: 100% Total Stock Market in Roth Account?

Pick your desired AA

Then first pick best funds in employer retirement accounts ( limited choices )

Second pick taxable investments if any

Third pick ira funds because they are the most flexible


John
by Johm221122
Sun Aug 10, 2014 7:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: 100% Total Stock Market in Roth Account?
Replies: 7
Views: 799

Re: Need for International Investing ?

John, Appreciate your comment re would of/could of/should of. As a retiree I have gone through two big stock market swings since 2002 and have "stayed the course" and "slept well" with my 50/50 asset allocation and it diversifications in the past twelve years. Very fortunately t...
by Johm221122
Sat Aug 09, 2014 9:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need for International Investing ?
Replies: 49
Views: 2529

Re: Need for International Investing ?

This is a question that frequently gets tossed around on the boards, often with the implication of a false zero sum choice. After all, I don't think anyone here will argue that US stocks (or more accurately, US based stocks) will fail[i] [/i] over the long term, it's just that many make a good case...
by Johm221122
Sat Aug 09, 2014 9:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need for International Investing ?
Replies: 49
Views: 2529

Re: cash reserves

Dear Bogleheads, I know that market timing is a fool's game, however, with the market being so volatile at this time, do you recommend transferring a certain % of portfolio into Cash? Thank you. Tom28 I think your AA should be examined, so you would not have to worry about the market.Pick AA that l...
by Johm221122
Sat Aug 09, 2014 9:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: cash reserves
Replies: 19
Views: 1826

Re: Need for International Investing ?

I would stay the course with current plan and keep your current international allocation.It's funny I just read this post before yours http://www.bogleheads.org/forum/viewtopic.php?f=10&t=144482&newpost=2150404 http://www.bogleheads.org/wiki/Bogleheads%C2%AE_investment_philosophy this is per...
by Johm221122
Sat Aug 09, 2014 9:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need for International Investing ?
Replies: 49
Views: 2529

Re: New 401K implementation

I have no knowledge, but have you tried search
http://www.google.com/search?sitesearch ... 1+provider
John
by Johm221122
Fri Aug 08, 2014 7:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: New 401K implementation
Replies: 5
Views: 484

Re: Question re- EE Bonds

Should you cash them in? Do you need money or have better safe investment for fixed income?

What are considerations? Taxes, better fixed income options and 30 year final maturity

Where can they be cashed? Bank, credit union or treasury direct.com

John
by Johm221122
Thu Aug 07, 2014 8:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question re- EE Bonds
Replies: 18
Views: 1621

Re: Is 401k worth it? No matching, high fees.

Thank you all for the advice. Yes, I am maxing out my Roth IRA. I'm so glad you looked that up, John . The way I see it, OP would need to work at that employer for 57 years to maybe do better with a taxable account. Definitely use your employer plan! I like the VASGX idea. Something I failed to men...
by Johm221122
Thu Aug 07, 2014 8:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Is 401k worth it? No matching, high fees.
Replies: 12
Views: 1372

Re: Who or what inspired you and your investing approach?

In order
Grandparents (work ethic)

Older roommate from long ago (taught me there was away to invest besides a bank)

Local library (I literally read every book)

Internet (search and searched)

Bogleheads (brought everything together and taught me to search when something new comes up)


John
by Johm221122
Wed Aug 06, 2014 9:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Who or what inspired you and your investing approach?
Replies: 93
Views: 4278

Re: Is 401k worth it? No matching, high fees.

What's your tax bracket? Your investable income? Since there's no employer match, you can get the same tax benefits by maximizing a traditional IRA first. Or, if your tax bracket is low now, maximize a Roth IRA. Then add the semi-crummy 401(k) on top. OP So I am wondering if the tax advantages outw...
by Johm221122
Wed Aug 06, 2014 4:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Is 401k worth it? No matching, high fees.
Replies: 12
Views: 1372

Re: Bonds in taxable account?

Keep short term needs seperate
Less than 10years stocks are risky
Cd's , municipal bonds, I bonds
For some one to tell you best fixed income in taxable provide amount and tax rate

John
by Johm221122
Wed Aug 06, 2014 2:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Bonds in taxable account?
Replies: 24
Views: 2854

Re: Is 401k worth it? No matching, high fees.

http://www.bogleheads.org/forum/viewtopic.php?f=1&t=143160&p=2127248&hilit=+rule+of+thumb#p2127248 Grabiner wrote this post My rule of thumb is to multiply the extra expenses by the years you will be with the employer, and consider taxable investing instead only if the product exceeds 30...
by Johm221122
Wed Aug 06, 2014 2:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Is 401k worth it? No matching, high fees.
Replies: 12
Views: 1372

Re: When is a 3.75% load worth it?

Risk http://www.bogleheads.org/wiki/Risk_and_return:_an_introduction Unsystematic risk: the measure of risk associated with a particular security; also known as diversifiable risk. This risk can be mitigated by holding a diversified portfolio of many different stocks in many different industries. [1...
by Johm221122
Wed Aug 06, 2014 1:32 am
 
Forum: Investing - Theory, News & General
Topic: When is a 3.75% load worth it?
Replies: 79
Views: 5196

Re: When is a 3.75% load worth it?

Tamales wrote The mantra around here of stay the course...guess what that course is based on? Past performance. What other course are you staying? The one that you think/hope it will repeat! There is a difference between the risk of a individual fund or security and market risk. Yes we all by stocks...
by Johm221122
Wed Aug 06, 2014 1:18 am
 
Forum: Investing - Theory, News & General
Topic: When is a 3.75% load worth it?
Replies: 79
Views: 5196

Re: When is a 3.75% load worth it?

Past performance does not guarantee......
Looking back is easy

viewtopic.php?f=10&t=118072
John
by Johm221122
Wed Aug 06, 2014 12:12 am
 
Forum: Investing - Theory, News & General
Topic: When is a 3.75% load worth it?
Replies: 79
Views: 5196

Re: Do you consider your Roth as part of your EF?

Roth roll over ira uote="TheRightKost87"]One question I have for the other posters; If you contribute/withdraw in the same year, do you lose that space or can it be replaced? Say I fully fund my Roth IRA in January 2014, and then withdraw all of the 2014 contribution ($5500) in July. Can I...
by Johm221122
Tue Aug 05, 2014 11:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you consider your Roth as part of your EF?
Replies: 30
Views: 1811

Re: Do you consider your Roth as part of your EF?

I consider my whole portfolio my EF

I just had a light bulb go off in my head when Bob's not my name wrote this
http://thefinancebuff.com/your-traditio ... -fund.html

John
by Johm221122
Tue Aug 05, 2014 9:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you consider your Roth as part of your EF?
Replies: 30
Views: 1811

Re: Riding the Rails--my Amtrak trip

OP
[retired a year ago, and in spite of having a celebratory party, I'm beginning to realize that this 30 day cross-country trip by rail may symbolize the freedom that retirement has given me.

The freedom too be retired(or financially independent) is going to make saving worth it :beer
John
by Johm221122
Tue Aug 05, 2014 8:51 am
 
Forum: Personal Consumer Issues
Topic: Riding the Rails--my Amtrak trip
Replies: 78
Views: 9033

Re: Age 31, 145K earner, $450,000 in 401ks, need help

It would be best if we knew current funds available in your 401(old and new)

John
by Johm221122
Tue Aug 05, 2014 8:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Age 31, 145K earner, $450,000 in 401ks, need help
Replies: 2
Views: 1117

Re: Best allocation for new 401K deposits?

Op



Does his advice make sense?

No, new money and old money are the same, keep your AA by using new money

John
by Johm221122
Tue Aug 05, 2014 7:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Best allocation for new 401K deposits?
Replies: 5
Views: 499

Re: Should I worry about being audited?

When I said pay taxes above, it was meant for mom.I would look at possibility of mom and IRS having a sit down

John
by Johm221122
Tue Aug 05, 2014 7:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I worry about being audited?
Replies: 34
Views: 2997

Re: new IRA with vanguard

placeholder wrote:There is no foreign tax credit in IRAs period.

OP
also investing into a fund with post-tax money beyond the Roth.

Post tax=taxable ?(I think)

John
by Johm221122
Tue Aug 05, 2014 2:09 am
 
Forum: Investing - Help with Personal Investments
Topic: new IRA with vanguard
Replies: 7
Views: 529

Re: Should I worry about being audited?

Pay taxes on money :idea:
Or
Get safe deposite box :wink:

John
by Johm221122
Tue Aug 05, 2014 2:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I worry about being audited?
Replies: 34
Views: 2997

Re: Yet another 401k asset allocation question

At 22 and just starting out the most important thing is savings rate :idea:
I pay 10x more in 401, I'd love to have OP plan :moneybag
John
by Johm221122
Tue Aug 05, 2014 12:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Yet another 401k asset allocation question
Replies: 9
Views: 465

Re: Yet another 401k asset allocation question

You have great options
Total market index(fsktx)63%
Total bond index(fxstx)12%
Total international index(fspnx)25%

John
by Johm221122
Tue Aug 05, 2014 12:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Yet another 401k asset allocation question
Replies: 9
Views: 465

Re: REITS-worth the time to add 10% into portfolio

The reason I don't hold Reits anymore is because of the lack of good options in 401.If you could fit them in your tax deffered space and can stay the course it's reasonable plan.

John
by Johm221122
Tue Aug 05, 2014 12:04 am
 
Forum: Investing - Help with Personal Investments
Topic: REITS-worth the time to add 10% into portfolio
Replies: 33
Views: 2636

Re: new IRA with vanguard

If I was going to do both tax deffered and taxable investing.I would break it down into individual funds.You can be more tax efficient that way http://www.bogleheads.org/wiki/Principles_of_tax-efficient_fund_placement In a taxable account, the bond dividends will get taxed at ordinary income rates; ...
by Johm221122
Mon Aug 04, 2014 11:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: new IRA with vanguard
Replies: 7
Views: 529

Re: Roth vs traditional Ira

I do about 2/3 traditional(401)and 1/3 Roth(ira).Tax diversification, plus if I pay more tax in the long run I figure I one the game (low income households pay little tax)
John
by Johm221122
Sun Aug 03, 2014 9:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth vs traditional Ira
Replies: 18
Views: 1276

Re: Funding a Down Payment

With a similar income and savings rate,I also think this purchase is a stretch IMHO

John
by Johm221122
Sat Aug 02, 2014 7:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Funding a Down Payment
Replies: 11
Views: 1493

Re: Ee bonds dated 9/95 through 8/97

What do you want to buy and after paying tax is it a better deal than what your EE bonds terms are?


John
by Johm221122
Fri Aug 01, 2014 7:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Ee bonds dated 9/95 through 8/97
Replies: 9
Views: 704

Re: How Much Did You Lose Today?

(1.25) today
Up 3.5 for year :beer

John
by Johm221122
Fri Aug 01, 2014 9:47 am
 
Forum: Investing - Help with Personal Investments
Topic: How Much Did You Lose Today?
Replies: 166
Views: 14126

Re: Help with Bonds

Bogleheads philosophy http://www.bogleheads.org/wiki/Bogleheads%C2%AE_investment_philosophy Bogleheads typically divide bond allocations between just two categories: nominal bonds such as the Vanguard Total Bond Market fund, and U.S. Treasury Inflation Protected Securities (TIPS) such as the Vanguar...
by Johm221122
Fri Aug 01, 2014 9:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with Bonds
Replies: 7
Views: 493

Re: TSP G Fund as Emergency Fund?

Unless you're of retirement age and able to make withdrawals without the 10% penalty, this strikes me as a pretty inefficient way to approach an emergency fund regardless of tier. You may want to reread the link from above http://www.bogleheads.org/wiki/Placing_cash_needs_in_a_tax-advantaged_accoun...
by Johm221122
Fri Aug 01, 2014 9:21 am
 
Forum: Investing - Help with Personal Investments
Topic: TSP G Fund as Emergency Fund?
Replies: 6
Views: 649
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