Search found 4250 matches

Return to advanced search

Re: Investments/Allocations

Here is a post from a couple days ago about this
viewtopic.php?f=1&t=137311&p=2028601

John
by Johm221122
Tue Apr 15, 2014 9:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investments/Allocations
Replies: 11
Views: 626

Re: Portfolio generating 7% return?

We may be able to give you lower risk options
Asking portfolio question
viewtopic.php?t=6212
Try this WIKI link (part of 3 fund portfolio link)
It's 2013, what about bonds

http://www.bogleheads.org/wiki/Three-fu ... t_bonds.3F
John
by Johm221122
Tue Apr 15, 2014 9:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio generating 7% return?
Replies: 10
Views: 1365

Re: Why are total bond market funds so often recommended?

Everytime I read the title of thread, I think of this WIKI link
3 fund portfolio , what about bonds?
http://www.bogleheads.org/wiki/Three-fu ... t_bonds.3F
Not exactly the answer to your question but the total bond index is often recommend with the 3 fund portfolio

John
by Johm221122
Tue Apr 15, 2014 8:37 pm
 
Forum: Investing - Theory, News & General
Topic: Why are total bond market funds so often recommended?
Replies: 46
Views: 3139

Re: Target Funds

Target retirement funds keep a specific asset allocation that is tied to the year in its name.Your new contributions will buy shares in the fund that will be invested in the current assset allocation .The funds become more conservative over time and have the option of changing AA at anytime.These fu...
by Johm221122
Tue Apr 15, 2014 7:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Target Funds
Replies: 4
Views: 426

Re: How to invest $1k a month

Welcome to forum
Asking portfolio question
viewtopic.php?t=6212
In regards to, what to invest in
http://www.bogleheads.org/wiki/Three-fund_portfolio

John
by Johm221122
Sun Apr 13, 2014 6:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to invest $1k a month
Replies: 16
Views: 2024

Re: Do I have too littled invested to diversify?

BL wrote:
(with a tiny match, so she wont fund it too much


Every dollar she puts in reduces your current joint taxable income by that amount, so it is important. Does she have any low-cost funds such as index funds under 0.5%ER available?

+1
by Johm221122
Fri Apr 11, 2014 8:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do I have too littled invested to diversify?
Replies: 15
Views: 842

Re: Stock markets in free fall?

Just out of curiosity, I checked Morningstar and I'm down .16.Diversification works :!:

John
by Johm221122
Fri Apr 11, 2014 8:56 pm
 
Forum: Investing - Theory, News & General
Topic: Stock markets in free fall?
Replies: 92
Views: 6456

Re: Stock markets in free fall?

You may need to rebalance, check your plan :idea: :sharebeer

John
by Johm221122
Fri Apr 11, 2014 8:46 pm
 
Forum: Investing - Theory, News & General
Topic: Stock markets in free fall?
Replies: 92
Views: 6456

Re: Playing Defense

but if you are well versed in technical analysis you can see the probabilities unfold. To often people forget that "cash" is a position. If you could know when market would drop with any accuracy you would be very wealthy.Could you please share who can do this market timing with any accur...
by Johm221122
Fri Apr 11, 2014 8:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Playing Defense [against possible market correction]
Replies: 36
Views: 2881

Re: Newbie ? Roth Ira

well I guss what I was thinking was to sell these funds....then do a 3 fund investment in place...BUT keep my stocks...these are ALL inmy Roth..in addition I have CD's/ Money Market cash...plus my 401k and my wifes 403b You should consider all your assets one portfolio Try this Blog post(one goal o...
by Johm221122
Fri Apr 11, 2014 8:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie ? Roth Ira
Replies: 26
Views: 1361

Re: Looking To Park $250K Short Term In Savings Account

As long as it is FDIC insured any bank will do.For best rate try bankrate.com or other similar sites http://www.bankrate.com/funnel/savings/savings-results.aspx?local=false&prods=37&ic_id=OA_RateSearch_1_CheckingSavings_37_Jumbo_MMAs_and_savings_compare-rates.aspx_ http://www.depositaccounts...
by Johm221122
Fri Apr 11, 2014 7:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Looking To Park $250K Short Term In Savings Account
Replies: 5
Views: 802

Re: Newbie ? Roth Ira

ive got some MS funds in my roth that have a pretty high exp ratio,,,,I was thinking about converting them to no comission Vanguard ETF's to buy and hold.... here are the funds id sell mribx migfx mrsax migbx mittx mitbx I did a "compare" funds on TD Ameritrade to ETF's and the exp ratios...
by Johm221122
Fri Apr 11, 2014 3:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Newbie ? Roth Ira
Replies: 26
Views: 1361

Re: Newbie ? Roth Ira

luberhill wrote:in your opinion, what makes this a better option than the VO ?

I just don't do ETF's and extended market is in my plan.Extended market also is the completion index for S&P 500 index in my 401
John
by Johm221122
Thu Apr 10, 2014 2:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie ? Roth Ira
Replies: 26
Views: 1361

Re: 401k Info Difficult To Retreive

If you pay all your taxes now, you will not be able to take advantage of your lower (0%) tax brackets in retirement.With inflation the amount of income you pay 0% tax on should be substantial over a lifetime

http://www.taxpolicycenter.org/taxfacts ... ?Docid=389

John
by Johm221122
Thu Apr 10, 2014 10:38 am
 
Forum: Investing - Help with Personal Investments
Topic: 401k Info Difficult To Retreive
Replies: 3
Views: 249

Re: 401k Info Difficult To Retreive

To choose between traditional and Roth What is current tax rate? Tax rate in retirement (educated guess)? Will you have other income besides IRA and SS? http://www.bogleheads.org/wiki/Traditional_versus_Roth Many of us plan on paying 0% tax on traditional IRA or atleast 0% on good chunk. We need mor...
by Johm221122
Thu Apr 10, 2014 10:01 am
 
Forum: Investing - Help with Personal Investments
Topic: 401k Info Difficult To Retreive
Replies: 3
Views: 249

Re: Was Wondering Why Windsor/Wellesley/Wellington?

What I find really interesting is that wellington has consistently beaten vanguard balanced index fund year over year by nearly 2%. Balanced index is 40% total bond market, while wellington is 30-40% corporates. Balance index uses total stock market, while wellington uses 100 value largecap stocks....
by Johm221122
Thu Apr 10, 2014 9:12 am
 
Forum: Investing - Theory, News & General
Topic: Was Wondering Why Windsor/Wellesley/Wellington?
Replies: 28
Views: 3279

Re: Newbie ? Roth Ira

luberhill wrote:10k minimum purchase on that Vangard

You can get Investor Shares for 3k only a little more


https://personal.vanguard.com/us/funds/ ... IntExt=INT
John
by Johm221122
Thu Apr 10, 2014 6:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Newbie ? Roth Ira
Replies: 26
Views: 1361

Re: Portfolio advice

Welcome to forum You post is hard to read(just need fund names and exspense ratio ) Bogleheads usually don't consider funds attractive We pick the asset classes we want and pick the lowest cost one(mostly index funds ) The thing about ETF's is some people buy and sell too much. Try this portfolio ht...
by Johm221122
Thu Apr 10, 2014 1:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice
Replies: 5
Views: 424

Re: Starting New Investment Program

Welcome to forum Have you considered a written plan http://www.bogleheads.org/wiki/Investment_policy_statement As far as market being high or low,no one knows Pick AA, write a plan and stay the course http://www.bogleheads.org/wiki/Bogleheads%C2%AE_investment_philosophy " In summary, a Boglehea...
by Johm221122
Thu Apr 10, 2014 1:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Starting New Investment Program
Replies: 11
Views: 522

Re: Is 0.5% too much for iShares High Yield Bonds (HYG)?

If I wanted to hold it and wanted my assets were there at, yes I would pay the higher exspense ratio

John
by Johm221122
Thu Apr 10, 2014 1:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Is 0.5% too much for iShares High Yield Bonds (HYG)?
Replies: 6
Views: 522

Re: 31 Year Old Needs Investment Advice Please

To know if your on track how much money will you need to replace after you retire First you need to decide how much you (need) to live on. Then how much income will you get from pension, social security or other sources This leaves you with how much savings needs to replace.Multiply the amount savin...
by Johm221122
Thu Apr 10, 2014 12:57 am
 
Forum: Investing - Help with Personal Investments
Topic: 31 Year Old Needs Investment Advice Please
Replies: 5
Views: 694

Re: 401K rollover to Roth IRA

Ok the amount is only about $5k. It seems to me my best option is to open a traditional IRA. Just to be clear I can have both a traditional and Roth IRA correct? I would continue to contribute to the Roth, and the traditional would only be used for the direct rollover from my 401k. If you have no 4...
by Johm221122
Thu Apr 10, 2014 12:44 am
 
Forum: Investing - Help with Personal Investments
Topic: 401K rollover to Roth IRA
Replies: 6
Views: 319

Re: Newbie ? Roth Ira

CRMAX is no load but has an exspense ratio of 1.08 VO has an exspense ratio of .10 but is an ETF I would pick Vanguard Extended market index https://personal.vanguard.com/us/funds/snapshot?FundId=0598&FundIntExt=INT It is small -mid cap mutual fund with low exspense ratio of .14 It is also an in...
by Johm221122
Thu Apr 10, 2014 12:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Newbie ? Roth Ira
Replies: 26
Views: 1361

Re: Alternative to a car

I use bus for supermarket.I wake up early and walk to market (about one mile) and catch first bus back(almost always empty)
Exercise, fresh air, and store run all at once .Use Walmart.com and Amazon for all heavy stuff

John
by Johm221122
Wed Apr 09, 2014 1:00 pm
 
Forum: Personal Consumer Issues
Topic: Alternative to a car
Replies: 30
Views: 1790

Re: Newbie ? Roth Ira

luberhill wrote:at this stage of game what class of funds should I be looking at ? a,b,c ?

No load, with low exspense ratio
John
by Johm221122
Wed Apr 09, 2014 9:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Newbie ? Roth Ira
Replies: 26
Views: 1361

Re: I saw a "Boglehead" on my flight yesterday!

This is why we need Boglehead t-shirts.But they may need to be in secret code, so only fellow Bogleheads would know

John
by Johm221122
Tue Apr 08, 2014 7:36 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: I saw a "Boglehead" on my flight yesterday!
Replies: 65
Views: 7234

Re: Advantage of 50/50 Wellington/Wellesley in Roth IRA?

I would pick stock-bond ratio, international-U.S. stock ratio and large- small ratio I want then pick funds .Picking funds by past holdings doesn't seem very useful
John
by Johm221122
Tue Apr 08, 2014 7:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advantage of 50/50 Wellington/Wellesley in Roth IRA?
Replies: 8
Views: 1352

Re: How often do you rebalance to maintain your AA

Once a quarter, if I feel it is worth the trouble.

John
Edit, here is WIKI link
http://www.bogleheads.org/wiki/Rebalancing
by Johm221122
Tue Apr 08, 2014 9:18 am
 
Forum: Investing - Help with Personal Investments
Topic: How often do you rebalance to maintain your AA
Replies: 35
Views: 1594

Re: Newbie ? Roth Ira

You will get best answer using this format
viewtopic.php?t=6212
John
by Johm221122
Mon Apr 07, 2014 9:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie ? Roth Ira
Replies: 26
Views: 1361

Re: Roth IRA

Vitalspark wrote:No we don't have Compensation. Just investment & pension income. So still go for it?

T

You are not eligible for IRA without earned income
John
by Johm221122
Mon Apr 07, 2014 9:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA
Replies: 4
Views: 388

Re: Transferring Roth from SEI to Vanguard

Welcome to forum Pick funds by asset class(international, large cap, small cap) not by past performance(past performance does not guarantee future performance )t You are paying too much in fees(I only looked at first fund, but close to 1%) Boglehead Philosophy http://www.bogleheads.org/wiki/Boglehea...
by Johm221122
Mon Apr 07, 2014 9:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Transferring Roth from SEI to Vanguard
Replies: 8
Views: 267

Re: My situation

I don't have a 401k. My company offers one, but no matching. How can I find out if I'm eligible for a Traditional IRA? If your retirement company has one, that means you have one unless your new or part time WIKI will tell you about IRA http://www.bogleheads.org/wiki/Traditional_IRA 2013 Below $59,...
by Johm221122
Mon Apr 07, 2014 9:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: My situation
Replies: 7
Views: 909

Re: My situation

Do you have 401? Are you eligible for traditional IRA? If using only IRA, Vanguard target retirement fund is great If you are thinking about taxable investing,Try this for what should you invest in http://www.bogleheads.org/wiki/Three-fund_portfolio " Some see advantages in holding a do-it-your...
by Johm221122
Mon Apr 07, 2014 8:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: My situation
Replies: 7
Views: 909

Re: 401k to pay off condo to make it a rental

Why not use money not in the 401? Do you have money besides your retirement plan, you need this for emergency or other problems that could happen being landlord(repairs, vacancy)

John
by Johm221122
Mon Apr 07, 2014 8:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: 401k to pay off condo to make it a rental
Replies: 7
Views: 562

Re: Why Americans are Retiring Overseas

I use to want to retire in Mexico, but things change.Just seems too dangerous now

John
by Johm221122
Mon Apr 07, 2014 8:32 pm
 
Forum: Personal Consumer Issues
Topic: Why Americans are Retiring Overseas
Replies: 109
Views: 8380

Re: Newbie ? Roth Ira

Welcome to forum Getting started http://www.bogleheads.org/wiki/Getting_started When you read this, post your portfolio question this way http://www.bogleheads.org/forum/viewtopic.php?t=6212 You are paying too much in fees Boglehead philosophy http://www.bogleheads.org/wiki/Bogleheads%C2%AE_investme...
by Johm221122
Mon Apr 07, 2014 8:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie ? Roth Ira
Replies: 26
Views: 1361

Re: What's a good credit score?

Walmart CC also gives free Fico score and it's a easy card to get.I think they still give cash reward for opening(must make purchase) Good way to add to your available credit
John
by Johm221122
Mon Apr 07, 2014 8:00 pm
 
Forum: Personal Consumer Issues
Topic: What's a good credit score?
Replies: 25
Views: 2008

Re: Stable Value Funds

Try this
http://stablevalue.org/
Another poster posted it recently
John
by Johm221122
Sat Apr 05, 2014 10:55 am
 
Forum: Investing - Theory, News & General
Topic: Stable Value Funds
Replies: 12
Views: 846

Re: 31 yr old w/ $500k @ EdwardJones

Welcome to forum http://www.bogleheads.org/wiki/Bogleheads%C2%AE_investment_philosophy " The difference between an expense ratio of 0.15% and 1.5% might not seem like much, but the effect of the compounding over an investing lifetime is enormous. After 30 years, a fund with a 1.5% expense ratio...
by Johm221122
Thu Apr 03, 2014 11:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: 31 yr old w/ $500k @ EdwardJones
Replies: 26
Views: 3527

Re: Reaching $1M in Total Assets

Thanks hoppy08520. I will try it out. Thanks Johm221122. The calculator says 13 yrs for me. :) Currently, after contributing 28% of my salary towards savings/investments and after living expenses and car loan, I still have 15% left every month that I may be able to invest. Is Roth IRA a good option...
by Johm221122
Thu Apr 03, 2014 10:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reaching $1M in Total Assets
Replies: 35
Views: 5849

Re: Reaching $1M in Total Assets

How to save a million calculator
http://www.bankrate.com/calculators/sav ... lator.aspx

But more seriously
Save as much as you can
Get a job you like and pays well
Find good spouse
Rember inflation


John
by Johm221122
Thu Apr 03, 2014 9:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reaching $1M in Total Assets
Replies: 35
Views: 5849

Re: Roth 401k Allocations

Current retirement assets: Everything is in Roth 401k. I work for a company where I am not allowed to buy/sell stock/etf on any accounts outside the company's own and their fees are too high for a small investor like me Contributions New annual Contributions 4510 into Roth 401k 2870 Employer match ...
by Johm221122
Thu Apr 03, 2014 9:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth 401k Allocations
Replies: 7
Views: 354

Re: Moving money for roth: all in or over time?

Dollar cost averaging
http://www.bogleheads.org/wiki/Dollar_cost_averaging

" According to an investopedia article, [6] studies indicate that lump sum investing has produced higher returns 66% of the time."

But above posters advice is your best bet
John
by Johm221122
Thu Apr 03, 2014 12:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Moving money for roth: all in or over time?
Replies: 5
Views: 629

Re: Bailing On Pimco Bond?

It's apples and oranges. The S&P is a stock index and risky. It had a great last year, whereas safe bonds were hurt. The movement should, if anything, be a reason to buy a little more bonds to compensate for the now imbalanced allocation. Pimco did not have a great 2013, but it remains a solid ...
by Johm221122
Wed Apr 02, 2014 10:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bailing On Pimco Bond?
Replies: 19
Views: 1959

Re: Older and Wiser - Allocation Advice After Rookie Mistake

Get the 401k matching funds, then fill up the Roth, then fill up the remainder of the 401k. With a marginal rate of 25% + 7.5% and solid 401(k) options, why should the OP pass up the tax savings with a ROTH? It seems like a traditional 401(k) is the way to go. You quoted wrong person, I clearly tol...
by Johm221122
Wed Apr 02, 2014 1:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Older and Wiser - Allocation Advice After Rookie Mistake
Replies: 16
Views: 2093

Re: Older and Wiser - Allocation Advice After Rookie Mistake

roth vs traditiona ira site:bogleheads.org is my ideal fund allocations within 401k plan? The low cost Vanguard index funds are good choices but I’d like a little advice on the rest.[/quote] You are lucky to have good low cost funds that you can use 75% stocks: 83% VFIAX - Vanguard 500 Index Admiral...
by Johm221122
Wed Apr 02, 2014 11:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Older and Wiser - Allocation Advice After Rookie Mistake
Replies: 16
Views: 2093

Re: Older and Wiser - Allocation Advice After Rookie Mistake

Welcome to forum, 1.Use three Vanguard funds(500 index, small cap growth index, bond index) http://www.bogleheads.org/wiki/Three-fund_portfolio 2.total international index 3.pick AA you are comfortable with and jump right in http://www.bogleheads.org/wiki/Dollar_cost_averaging From WIKI " Accor...
by Johm221122
Wed Apr 02, 2014 9:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Older and Wiser - Allocation Advice After Rookie Mistake
Replies: 16
Views: 2093

Re: [Poll] Which of These Types of Investments do you Own?

Some interesting conclusions (all percentages based on the assumption that everyone owns a large-cap US stock fund, with 207 votes as of now): Slice and Dice 73% of investors have a separate mid-cap or small-cap fund; this may be a supplement to an S&P 500 index (common in 401(k) plans), but it...
by Johm221122
Tue Apr 01, 2014 9:19 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] Which of These Types of Investments do you Own?
Replies: 24
Views: 2201

Re: The Finance Buff uses a Vanguard Planner.

Question
Advisor says
" Answer: Keep 1-2 years worth of expenses in cash. Replenish once a year."
Why 2 years in cash and replenish once a year?instead of just one year, I'm guessing a bear market


John
by Johm221122
Tue Apr 01, 2014 10:46 am
 
Forum: Investing - Theory, News & General
Topic: The Finance Buff uses a Vanguard Planner.
Replies: 27
Views: 3595

Re: best place for indexed funds for the novice

Do you plan on pulling it all out in 5+ years? You do know there is no guarantee that a portfolio of stocks and bonds will have a gain in this time period and could have a loss
John
by Johm221122
Mon Mar 31, 2014 7:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: best place for indexed funds for the novice
Replies: 12
Views: 1498
Next

Return to advanced search