Search found 4797 matches

Return to advanced search

Re: Anchoring vs. Buy-and-Hold

In my 401K account, I have 100K in Russell 2000 Index Fund and nothing in SP500 Index Fund. I'm thinking that I should transfer 50K from R2000 to SP500. Should I do it in one transaction, or transfer $2,000/month over the next three years, or use some other threshold? Thanks. You need a plan, http:...
by Johm221122
Wed Oct 22, 2014 7:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Anchoring vs. Buy-and-Hold
Replies: 15
Views: 1413

Re: Anchoring vs. Buy-and-Hold

If QQQ is in your investment plan, yes keep it.But I think most would feel it's not a index we'd hold http://www.bogleheads.org/forum/viewtopic.php?f=10&t=102683 http://www.bogleheads.org/forum/viewtopic.php?f=1&t=109649 Try 3 fund portfolio http://www.bogleheads.org/wiki/Three-fund_portfoli...
by Johm221122
Wed Oct 22, 2014 4:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Anchoring vs. Buy-and-Hold
Replies: 15
Views: 1413

Re: Good mid/small cap mutual funds?

Small /mid cap stocks are in total market index but I use Extended market index http://www.bogleheads.org/wiki/Extended_market_index_fund Total international index http://www.bogleheads.org/wiki/FAQ_on_Vanguard_international_funds You may get more help by using http://www.bogleheads.org/forum/viewto...
by Johm221122
Tue Oct 21, 2014 11:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Good mid/small cap mutual funds?
Replies: 4
Views: 488

Re: Can a homemaker use a Roth & i401k?

Your wife can have spousal ira.Will your wife have earned income? Without earned income, you can't have 401


John
by Johm221122
Tue Oct 21, 2014 7:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Can a homemaker use a Roth & i401k?
Replies: 14
Views: 982

Re: Risk in a high dividend stock portfolio

Here is the question I'd ask myself, why isn't everyone taking advantage of these great dividends?

John
by Johm221122
Tue Oct 21, 2014 7:22 am
 
Forum: Investing - Theory, News & General
Topic: Risk in a high dividend stock portfolio
Replies: 19
Views: 1952

Re: How does one hedge against deflation?

Mel Lindauer wrote:I Bonds work well in both inflationary and deflationary periods. Since the composite rate on I Bonds can never go below 0%, the greater the rate of DEflation, the higher the REAL return will be.

EE bonds also guaranteed to double in 20 years
John
by Johm221122
Mon Oct 20, 2014 12:02 pm
 
Forum: Investing - Theory, News & General
Topic: How does one hedge against deflation?
Replies: 52
Views: 3821

Re: Alternative Investments!

A SPIA if your around 70 :wink:

John
by Johm221122
Mon Oct 20, 2014 11:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Alternative Investments!
Replies: 5
Views: 483

Re: Is it possible to have a favorite movie

Indiana Jones(all of them)

John
by Johm221122
Fri Oct 17, 2014 8:43 am
 
Forum: Personal Consumer Issues
Topic: Is it possible to have a favorite movie
Replies: 82
Views: 3120

Re: Does your ROTH hold risky or stable items?

Can anyone explain why their plan is to use Roth last? I'd think you'd use traditional last, because at end of life you're probably in the 0% bracket thanks to the deduction of massive assisted living costs. So at that point you can withdraw from TIRA as necessary, at 0% tax, to pay your huge assis...
by Johm221122
Thu Oct 16, 2014 9:57 am
 
Forum: Investing - Theory, News & General
Topic: Does your ROTH hold risky or stable items?
Replies: 56
Views: 3372

Re: Need Suggestions for Vanguard Fund Investments

I will play the devil's advocate, arca. I do not like CD's, never have, never will. 10 years is a long time to be stuck with a fixed rate. Yes, bond funds will fluctuate in value but with an eventual uptick in rates during next 10 years will be able to pick up higher yielding bonds over time and in...
by Johm221122
Wed Oct 15, 2014 8:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Suggestions for Vanguard Fund Investments
Replies: 19
Views: 1633

Re: Need Suggestions for Vanguard Fund Investments

Have you considered I bonds http://www.bogleheads.org/wiki/I_savings_bonds Try getting started http://www.bogleheads.org/wiki/Getting_started Ok, I want to invest in a mutual fund comprising of investment grade mutual bonds. Thats why I mentioned it in my 1st post. The problem with bond mutual fund...
by Johm221122
Wed Oct 15, 2014 6:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Need Suggestions for Vanguard Fund Investments
Replies: 19
Views: 1633

Re: Should your AA change based on World Events?

Your AA should change on your personal circumstances or investment plan

John
by Johm221122
Tue Oct 14, 2014 3:28 pm
 
Forum: Investing - Theory, News & General
Topic: Should your AA change based on World Events?
Replies: 22
Views: 1368

Re: TIPS & Rick Ferri

hoops777 wrote:If one has 20000 a year to invest in tips or ibonds for a husband and wife which is the better choice?

Tips are not tax efficient
I bonds can't be bought in ira
20k is over ira contributions limit for couple
Unless I'm missing something :?: I bonds it is
John
by Johm221122
Tue Oct 14, 2014 3:20 pm
 
Forum: Investing - Theory, News & General
Topic: TIPS & Rick Ferri
Replies: 28
Views: 4920

Re: the importance of asset allocation

riptide wrote:


Thank you for the link, it was helpful. I am stuggling to find my AA between 70 / 30 stock to bonds or 60/40 stocks to bonds.

65% stocks :sharebeer
Close enough

John
by Johm221122
Tue Oct 14, 2014 2:51 pm
 
Forum: Investing - Theory, News & General
Topic: the importance of asset allocation
Replies: 16
Views: 1479

Re: Relatively new here. What did you do in 2008/09

Rebalance into stocks aggressively, unfortunately not at bottom :happy

John
by Johm221122
Tue Oct 14, 2014 5:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Relatively new here. What did you do in 2008/09
Replies: 106
Views: 6862

Re: where should I allocate my Fixed Income portion?

You could both live for another 30-50 years. Why do you need fixed income in your portfolio at all? And yes, I am a one trick pony on this topic, but why take a guaranteed hit to your total return over the next x decades when you are quite young and should still be risk tolerant? Particularly... kn...
by Johm221122
Mon Oct 13, 2014 10:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: where should I allocate my Fixed Income portion?
Replies: 7
Views: 645

Re: U.S. stocks in freefall

bogleblitz wrote:My YTD porfolio is very close to 0% Oct 13th. i made nothing and lost nothing for 10 months.

75% stock/ 25% bond
66% US / 33% International

I turned negative today for year
-.20%


John
by Johm221122
Mon Oct 13, 2014 10:04 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 941
Views: 156912

Re: where should I allocate my Fixed Income portion?

Your choice in my opion would be influenced by two things

Bond maturity, do you want more or less risk.Stable value no interest rate risk Stable, short term bond index little risk, total bond is tad bit more risky

Exspence ratio of bond funds vs yield of stable value



John
by Johm221122
Mon Oct 13, 2014 9:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: where should I allocate my Fixed Income portion?
Replies: 7
Views: 645

Re: Does your ROTH hold risky or stable items?

I use mostly international and extended market index because my two best options in 401 are stable value and 500 index


John
by Johm221122
Mon Oct 13, 2014 8:54 pm
 
Forum: Investing - Theory, News & General
Topic: Does your ROTH hold risky or stable items?
Replies: 56
Views: 3372

Re: What Do You Keep In Your Bank Safe Deposit Box?

Savings bonds
SS card
School papers
Birth certificate
Most recent year end statements from brokerage accounts


John
by Johm221122
Mon Oct 13, 2014 9:02 am
 
Forum: Personal Finance (Not Investing)
Topic: What Do You Keep In Your Bank Safe Deposit Box?
Replies: 39
Views: 2571

Re: I Bonds - Best redemption strategy

They would be last thing I'd cash in, except investments with penalty

John
by Johm221122
Sun Oct 12, 2014 9:31 am
 
Forum: Investing - Theory, News & General
Topic: I Bonds - Best redemption strategy
Replies: 13
Views: 1381

Re: Fixed Income Investments In Tax Deferred Accounts?

You can sell/exchange funds in tax advandged accounts at anytime to rebalance to desired AA

I'd use what made sense tax wise(tax advantaged/taxable) and not follow conventional wisdom

John
by Johm221122
Sat Oct 11, 2014 8:20 pm
 
Forum: Investing - Theory, News & General
Topic: Fixed Income Investments In Tax Deferred Accounts?
Replies: 6
Views: 501

Re: TIPS and REIT (Diversification and Taxable Accounts)

If your investing in a total market index , you already have Reits and tips at your are not necessary.I bonds are great if you absolutely want tips.If other funds are drastically cheaper in 401 , I'd pass on tips fund in 401

John
by Johm221122
Sat Oct 11, 2014 8:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIPS and REIT (Diversification and Taxable Accounts)
Replies: 15
Views: 1107

Re: Stable Income Fund vs. Total Bond Market

I'm not looking to market time, just looking for advice on what might be the better investment for the FI portion of my portfolio, cash or total bond, and only thinking in the long term. All other posters, thank you for your advice and replies. LMR1229 We can't tell you what will be best, stable va...
by Johm221122
Sat Oct 11, 2014 7:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Stable Income Fund vs. Total Bond Market
Replies: 32
Views: 2183

Re: How much of your Emergency Fund would you lock up in CDs

None, but my situation is different than yours.Have you Considered I bonds or
http://www.bogleheads.org/wiki/Placing_ ... ed_account


John
by Johm221122
Sat Oct 11, 2014 8:52 am
 
Forum: Personal Finance (Not Investing)
Topic: How much of your Emergency Fund would you lock up in CDs?
Replies: 37
Views: 2689

Re: Stable Income Fund vs. Total Bond Market

The exspence ratio of the bond fund would be a big factor.
I used to use Pimco in my plan(no index bond fund ) but it is cost to much.Nothing wrong with 50/50

John
by Johm221122
Fri Oct 10, 2014 9:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Stable Income Fund vs. Total Bond Market
Replies: 32
Views: 2183

Re: Need Advice

Nobody can time market.Pick stock allocation that allows you to sleep at night and reach your goals .
Try Bogleheads philosophy
http://www.bogleheads.org/wiki/Boglehea ... philosophy

John
by Johm221122
Thu Oct 09, 2014 8:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Advice
Replies: 4
Views: 471

Re: Fund advice

Your 54 and could be investing for 40+ years, I think there is possibly some upside.If you don't need/want equity risk try bank cd's or maybe a SPIA, but neither of these provide much upside.Look at Lifestrategy income fund (as mentioned)or Vanguard retirement income fund it may provide a balance ap...
by Johm221122
Thu Oct 09, 2014 8:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fund advice
Replies: 6
Views: 337

Re: Mid and small cap exposure?

international equity seems to be doing poorly now- im surprised you have 25% in there you must have missed Boglehead philosophy http://www.bogleheads.org/wiki/Bogleheads%C2%AE_investment_philosophy [quote]There is a large amount of research showing that typical mutual fund investors actually perfor...
by Johm221122
Thu Oct 09, 2014 4:57 am
 
Forum: Investing - Theory, News & General
Topic: Mid and small cap exposure?
Replies: 23
Views: 2280

Re: Why are my funds negative if stock market setting new hi

Were your funds getting high returns compared to appropriate benchmark? Or just getting pretty high returns because market was doing good?

John
by Johm221122
Wed Oct 08, 2014 9:52 pm
 
Forum: Investing - Theory, News & General
Topic: Why are my funds negative if stock market setting new highs?
Replies: 21
Views: 2821

Re: Mid and small cap exposure?

My allocation to stocks (70%of portfolio)
50 % large cap
25% mid/small(extended market index)
25% international

John
by Johm221122
Wed Oct 08, 2014 8:47 pm
 
Forum: Investing - Theory, News & General
Topic: Mid and small cap exposure?
Replies: 23
Views: 2280

Re: help with fidelity 401 k account.

thanks for all the answer. regarding brokerage account, I am putting funds to my 401 k, nothing from the company. just 3 %. yeah its hard to put a real number as percentage can very but looking something which can beat inflation and give extra couple of percent return. Will go through the guideline...
by Johm221122
Wed Oct 08, 2014 8:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: help with fidelity 401 k account.
Replies: 5
Views: 324

Re: help with fidelity 401 k account.

3% real (after inflation) or just 3%
The prime money market is a drag on return
How much do you want in stocks?
How much loss would worry you?

Welcome to forum
John
by Johm221122
Wed Oct 08, 2014 12:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: help with fidelity 401 k account.
Replies: 5
Views: 324

Re: Late start, low income - what to do first?

You pay SS and Medicare on all earned income

John
by Johm221122
Wed Oct 08, 2014 12:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Late start, low income - what to do first?
Replies: 43
Views: 2625

Re: How much is your fixed income investment earning?

Stable value 1.41%
EE. 1.47(but guaranteed to double at 20 years)
I bonds 4.87%

John
by Johm221122
Wed Oct 08, 2014 12:11 pm
 
Forum: Investing - Theory, News & General
Topic: How much is your fixed income investment earning?
Replies: 27
Views: 1780

Re: Best places to start investing with a $1,000

A 401 or similar work place plan if available

John
by Johm221122
Wed Oct 08, 2014 7:21 am
 
Forum: Investing - Theory, News & General
Topic: Best places to start investing with a $1,000
Replies: 5
Views: 480

Re: real estate vs s&p 500

Do you have experience with real estate?
Any other assets?
Why just one index, not diversified portfolio?
Getting started
http://www.bogleheads.org/wiki/Getting_started

John
by Johm221122
Wed Oct 08, 2014 5:21 am
 
Forum: Investing - Help with Personal Investments
Topic: real estate vs s&p 500
Replies: 8
Views: 1498

Re: A good day to be in heavy in Bonds --- 10-7-2014....

BahamaMan wrote:It's not just about how much you can make, but how much you don't lose! :beer

I don't understand your point? I'm up over 2%(large U.S. stocks are even better) for year and 70% stocks, one day(or week, month, year) is irrelevant
I hope to be in market 50 more years

John
by Johm221122
Wed Oct 08, 2014 4:48 am
 
Forum: Investing - Theory, News & General
Topic: A good day to be in heavy in Bonds --- 10-7-2014....
Replies: 28
Views: 3391

Re: Managed Payout

Welcome to forum
There are some past posts if your interested
http://www.google.com/search?sitesearch ... ayout+fund

John
by Johm221122
Tue Oct 07, 2014 11:34 pm
 
Forum: Investing - Theory, News & General
Topic: Managed Payout
Replies: 5
Views: 646

Re: What was your initial AA and how has that worked out?

Hi all, Thought I ask the community how things have been working out since they started their Bogleheads plan. If you don't minding sharing 1. When you started. E.g. How many years ago? 2. How old you were? 3. Stock/bond ratio 4. Annual % return since the start. 5. Anything you would do different i...
by Johm221122
Tue Oct 07, 2014 10:06 am
 
Forum: Investing - Theory, News & General
Topic: What was your initial AA and how has that worked out?
Replies: 32
Views: 2500

Re: Mutual Funds vs. Exchange Traded Funds (ETFs)

Mutual funds only for me, don't sell very often.But,I do have savings bonds

John
by Johm221122
Mon Oct 06, 2014 2:18 pm
 
Forum: Investing - Theory, News & General
Topic: Mutual Funds vs. Exchange Traded Funds (ETFs)
Replies: 37
Views: 2296

Re: How long before disputing a charge on my Visa?

One week is too soon to file a dispute IMHO. If they ground shipped from across the country (something you rarely experience with Amazon since they have warehouses all over the country), then it can take a week to get to you. It could take even longer if they used one of those hybrid ground shippin...
by Johm221122
Sat Oct 04, 2014 9:44 pm
 
Forum: Personal Consumer Issues
Topic: How long before disputing a charge on my Visa?
Replies: 20
Views: 1454

Re: Bonds in basis portion of Roth IRA

This may help(tax adjusted allocation)
http://www.bogleheads.org/wiki/Tax-adju ... allocation

http://www.obliviousinvestor.com/tax-ad ... llocation/

It doesn't matter you can switch funds in tax deffered accounts with no pentaly
John
by Johm221122
Sat Oct 04, 2014 9:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bonds in basis portion of Roth IRA
Replies: 3
Views: 288

Re: How long before disputing a charge on my Visa?

I would call vendor and ask for update on status of order.If not satisfied I'd contact CC company after a month of date of order
Here is post of similar situation of bad service


viewtopic.php?f=2&t=117612&hilit=+credit+card
John
by Johm221122
Sat Oct 04, 2014 8:59 pm
 
Forum: Personal Consumer Issues
Topic: How long before disputing a charge on my Visa?
Replies: 20
Views: 1454

Re: should we all own a small cap fund?

Because of my 401, I use 500 index and extended market index .I am over weight extended market index because of higher expected return

John
by Johm221122
Wed Oct 01, 2014 9:20 pm
 
Forum: Investing - Theory, News & General
Topic: should we all own a small cap fund?
Replies: 11
Views: 493

Re: should participate in employer matches?

This may be a crazy question but if my employer matches up to 3%, and the investment options are just horrible, should I even put many own money in it? Work out the math. Suppose that you could earn 8% per year in an IRA, and 5% per year with the same risk level in your employer plan because the ex...
by Johm221122
Wed Oct 01, 2014 6:56 am
 
Forum: Investing - Help with Personal Investments
Topic: should participate in employer matches?
Replies: 20
Views: 1479
Next

Return to advanced search