Search found 198 matches

Return to advanced search

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

Hi cody, Tax deferred - Target or Life strange that comes closest to 50-50 AA ($200K) Taxable - Vanguard Tax-Managed Balanced Fund (VTMFX) ($100K) So withdrawals from either will not require rebalancing because they are both 50-50. The nice thing about that is, since I keep and eye on things for her...
by JuanZ
Mon Apr 21, 2014 11:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help looking for ways to get to 50-50
Replies: 19
Views: 1434

Re: Portfolio cleanup - please help

boggas questions are good ones (and I'm afraid I'm too much of a novice).

Dear reader, would you please take a look and perhaps offer better ideas?

thank you!
by JuanZ
Mon Apr 21, 2014 11:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Old Portfolio Mess 2 New Portolio Shine - please help
Replies: 9
Views: 1081

Re: Just maxed 2013 Roth IRA. Should I max 2014 now too?

I chose the Roth because of my age and the assumption that I will be making more (in a higher tax bracket) when I retire. Just before retiring you probably will be making more money. At retirement you will not drawing a salary. Please consider http://thefinancebuff.com/case-against-roth-401k.html
by JuanZ
Mon Apr 21, 2014 1:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Just maxed 2013 Roth IRA. Should I max 2014 now too?
Replies: 21
Views: 2576

Re: 529's not recommended

You are right that the gliding pattern itself, by age of the beneficiary, is hardly active. However, within the asset classes, they are actively managed, as this shows: " Effective as of April 4, 2012, this Investment Option will increase allocations to Underlying Funds that focus on investment...
by JuanZ
Sun Apr 20, 2014 10:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: 529's not recommended
Replies: 24
Views: 2728

Re: 529's not recommended

Yep, https://www.ms529.com/portfolios/fees-and-expenses.shtml about 0.7% of expenses a year. Those are actively managed funds, TIAA-CREF, but they are not too bad at all. Plus you get the state deduction. Really hard to see how these friends could offer you a better deal -- at an equivalent level of...
by JuanZ
Sun Apr 20, 2014 9:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: 529's not recommended
Replies: 24
Views: 2728

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

Oops, my apologies. :oops: 33%, $100K, Vanguard LifeStrategy Conservative Growth Fund (VSCGX), 40% Stocks, 60% Bonds, er 0.15% 33%, $100K, Vanguard LifeStrategy Moderate Growth Fund (VSMGX), 60% Stocks, 40% Bonds, er 0.16% I was wrong at saying that one would not need to rebalance ever. Suppose that...
by JuanZ
Sat Apr 19, 2014 6:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help looking for ways to get to 50-50
Replies: 19
Views: 1434

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

Help looking for ways to get to 50-50 . . . . . So that leaves $200K in Target 2015 (all deferred) and $100K in cash to invest. Deferred (67%; $200k) 17%, $50k, Vanguard Total International Stock Index Fund Admiral Shares (VTIAX), er 0.14% 50%, $150k, Vanguard Total Bond Market Index Fund Admiral S...
by JuanZ
Sat Apr 19, 2014 1:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help looking for ways to get to 50-50
Replies: 19
Views: 1434

Re: Portfolio cleanup - please help

Hi boggas, my apologies for the bad answer before. You are right that, since you have large amounts in taxable, an all-in-one fund in tax advantaged would complicate things. Ideally you could have a 3 fund portfolio with the basic building blocks (https://investor.vanguard.com/mutual-funds/select-fu...
by JuanZ
Sat Apr 19, 2014 12:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Old Portfolio Mess 2 New Portolio Shine - please help
Replies: 9
Views: 1081

Re: Help with Investment Advice

NoleDawg, welcome,

The best minds are busy trying to answer that question, as you can read here:
http://www.bogleheads.org/wiki/Safe_withdrawal_rates

Some people say 4%, now the consensus seems to be shifting towards 3.5% or less.
by JuanZ
Sat Apr 19, 2014 1:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with Investment Advice
Replies: 9
Views: 624

Re: 401k investment advice

Hi SpaceSashimi,
would you mind me asking,
what do you mean by
I'm looking to invest in aggressive growth
by JuanZ
Fri Apr 18, 2014 10:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k investment advice
Replies: 5
Views: 459

Re: Portfolio cleanup - please help

Hi Boggas, welcome, you say you want 40% domestic stock 15% international stock 24% bonds 9% international bonds 12% other What is that "12% other"? 40/(100-12) ~ 46% in US Stock, 15/(100-12) ~ 17% in International stock, 24/88 ~ 27% in US Bonds 9 / 88 ~ 10% in International Bonds. How abo...
by JuanZ
Fri Apr 18, 2014 10:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Old Portfolio Mess 2 New Portolio Shine - please help
Replies: 9
Views: 1081

Re: Book for 20 Year Old Beginner

Malkiel's Random Walk Down Wall Street is intellectually very stimulating.
by JuanZ
Fri Apr 18, 2014 9:58 pm
 
Forum: Investing - Theory, News & General
Topic: Book for 20 Year Old Beginner
Replies: 16
Views: 1028

Re: Fixed Income Categories

This question came as a result of a discussion I had recently with a Vanguard financial planner who suggested that in the planned restructuring of our portfolio as we enter full retirement at 65 that we rebalance into cash rather than bonds... :confused Would it be possible to have this planner con...
by JuanZ
Fri Apr 18, 2014 9:42 pm
 
Forum: Investing - Theory, News & General
Topic: Fixed Income Categories
Replies: 19
Views: 1164

Re: New member, unemployed, would like advice on portfolio

For a person in Paul's situation, would it be wise to get any little job such that such salary can be put to a Traditional IRA and enjoy a savers tax credit? (put 100% of salary into tIRA and withdrawing from taxable for living expenses?)
by JuanZ
Fri Apr 18, 2014 8:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: New member, unemployed, would like advice on portfolio
Replies: 8
Views: 978

Re: Draft email to investment advisor re outperforming Total

I commend Susan for asking the important questions. :beer
by JuanZ
Fri Apr 18, 2014 1:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Draft email to investment advisor re outperforming Total Mar
Replies: 24
Views: 2400

Re: *poor* Bogleheads

I'd second englishgirl when she says I think members are very willing to help everyone. The only issue I see is that we don't have enough people who are well versed enough in low income tax credits and the like. I don't see much advice on those going on. Perhaps you can become the expert on such thi...
by JuanZ
Fri Apr 18, 2014 1:46 pm
 
Forum: Forum Issues and Administration
Topic: *poor* Bogleheads
Replies: 78
Views: 5328

Re: Friday blog review April 18, 2014

This is great, Mr. Barnitz, thank you.
by JuanZ
Fri Apr 18, 2014 1:37 pm
 
Forum: Investing - Theory, News & General
Topic: Friday blog review April 18, 2014
Replies: 1
Views: 325

Re: Where are the Opportunities now ?

where are the opportunities now ? [...] I am looking to invest the cash portion in an area of opportunity.


High Frequency Trading took advantage of them all.
by JuanZ
Fri Apr 18, 2014 1:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where are the Opportunities now ?
Replies: 28
Views: 1983

Re: Should spouses use same Target Date across accounts?

Welcome armerida,
I wish I had the funds that are available to you!
as of now, there won't be much of a difference between the 2040 and 2045 funds.
In 20 years, as they glide, there may be a difference, but for now I would not worry one bit.
by JuanZ
Fri Apr 18, 2014 12:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should spouses use same Target Date across accounts?
Replies: 2
Views: 297

Re: New to investing, looking for insights

In regards to expense ratios, am I correct in assuming that 0.09% + 0.85% + 0.35% = 1.29% ? no no, go back to dratkinson's example: Just for fun. What would be the weighted average ER of SWPPX (90%) + REREX (10%)? (9*.09 + 1*.85)/10 = 0.17% Suppose you had half in SWPPX, 1/4 in REREX and 1/4 in the...
by JuanZ
Fri Apr 18, 2014 11:42 am
 
Forum: Investing - Help with Personal Investments
Topic: New to investing, looking for insights
Replies: 45
Views: 2704

Re: New inheritance

Bill, It would seem that a simple all-in-one fund could be useful, I second bertie when he asks Is your goal to give money to your children or spend down this money and travel or some mix? You definitely need to determine this. since this would determine the best one, by its proportion of bonds/stoc...
by JuanZ
Thu Apr 17, 2014 1:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: New inheritance
Replies: 4
Views: 970

Re: Monte Carlo Software

by JuanZ
Thu Apr 17, 2014 12:54 pm
 
Forum: Investing - Theory, News & General
Topic: Monte Carlo Software
Replies: 13
Views: 1192

Re: please advice - self managed vs balanced fund

sayeesh, I am in USA on a temporary visa (~4 years) after that I may go back to India or stay in USA based on how immigration works out. Please find out what strategy may work best for such cases. The issues are not trivial, as I read here: http://www.bogleheads.org/forum/viewtopic.php?t=1225 (perha...
by JuanZ
Thu Apr 17, 2014 12:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: [please advise] - self managed vs balanced fund
Replies: 10
Views: 609

Re: Beginning Investor - 457B Good Idea?

Hi Johntas, welcome, could you explain more on your City Pension plan? It may (or may not) be considered as a bond component. With that, for now, I would consider putting money in the Nationwide S & P 500 Index Fund 0.46, and, as you do, have a Target Retirement fund in your Roth IRA (hopefully ...
by JuanZ
Thu Apr 17, 2014 12:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Beginning Investor - 457B Good Idea?
Replies: 8
Views: 405

Re: New inheritance

May I bump this one?
by JuanZ
Thu Apr 17, 2014 12:13 am
 
Forum: Investing - Help with Personal Investments
Topic: New inheritance
Replies: 4
Views: 970

Re: Retirement planning for immigrant

Hello sirmawa,

it depends a lot on your home country -- specifically, on the existing tax treaties between that country and the US.

You may want to add your country name to the thread title, to invite your fellow nationals to the discussion.
by JuanZ
Wed Apr 16, 2014 11:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement planning for immigrant
Replies: 6
Views: 688

Re: Japan Does not Show That Stocks are Dangerous

Was there a Value Index or an investable Value Indexed Fund for Japan, that can be charted for that time period?
by JuanZ
Wed Apr 16, 2014 8:41 pm
 
Forum: Investing - Theory, News & General
Topic: Japan Does not Show That Stocks are Dangerous
Replies: 79
Views: 4098

Re: 457b vs Vanguard Mutual fund account help

Sonny, this was very needed good info, thank you. The list of all the funds offered in the 457 plan, with expense rates, would be very good info too. $24K employee benefit account(6% contribution,employer 7%),will be vested 100% after 10 years of service( on 11/14). i plan to leave after 10 years. i...
by JuanZ
Wed Apr 16, 2014 7:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: 457b vs Vanguard Mutual fund account help
Replies: 7
Views: 280

Re: 457b vs Vanguard Mutual fund account help

sonny1022, no need for shame! There's a lot of moving parts that need to be considered. For instance, your comment [457 account] just took a nose dive of several hundred dollars points to the important issue of your "investing temperament", as Asking Portfolio Questions guideline says, tha...
by JuanZ
Wed Apr 16, 2014 6:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: 457b vs Vanguard Mutual fund account help
Replies: 7
Views: 280

Re: 457b vs Vanguard Mutual fund account help

What are the other funds in your 457 plan? (with expense rates).

Do you have credit card debt?

It would be good to add more information, as suggested by viewtopic.php?f=1&t=6212
by JuanZ
Wed Apr 16, 2014 4:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: 457b vs Vanguard Mutual fund account help
Replies: 7
Views: 280

Re: Looking at top 1% for actionable insight

Another thread were we should be mindful of survivorship bias.
by JuanZ
Tue Apr 15, 2014 12:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Looking at top 1% for actionable insight
Replies: 73
Views: 7459

Re: The slackening...

SC Hoosier wrote:Look at the 'Greatest Generation.'


Be mindful of survivorship bias.
by JuanZ
Tue Apr 15, 2014 12:04 am
 
Forum: Personal Finance (Not Investing)
Topic: The slackening...
Replies: 61
Views: 6514

Re: Lost $10K in my investments past few months

I would not have sector funds, too much noise and nervousness. My biotech allocation is whatever it is by market capitalization, inside a broad market fund. What could I know about biotech that the market does not already know?
by JuanZ
Mon Apr 14, 2014 11:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lost $10K in my investments past few months
Replies: 36
Views: 4356

Re: Random individual stocks as supplement to indexing

Hi sdp. Is that country an "emerging/frontier market"? if so, I could share what I found out. How much would you be paying for the brokerage service? In my case, they were too expensive. Even if they were shares of companies from that country (not shares of US companies), those markets are...
by JuanZ
Mon Apr 14, 2014 11:42 pm
 
Forum: Investing - Theory, News & General
Topic: Random individual stocks as supplement to indexing
Replies: 13
Views: 967

Re: Portfolio review & help choose funds in Taxable account

Hi Vitruvian, Check out http://www.bogleheads.org/wiki/High_yield_bonds for a discussion on High Yield/"Junk" bonds. Vanguard Short-Term Federal – VSGDX, 0.60% PIMCO Total Return – PTRAX, 0.96% would be decent alternatives -- if you want to keep them in your 401k. They are a bit different ...
by JuanZ
Wed Apr 09, 2014 6:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review & help choose funds in Taxable account
Replies: 7
Views: 432

Re: Portfolio review & help choose funds in Taxable account

Vitruvian, just to be sure, as of now, most of your bond holdings are "High Yield" (junk). John Hancock II High Yield Fund Class 1 - JIHDX - (ER - 0.76%) (30% of $17500 = $5250) with a sprinkle of good quality bonds (24%) inside Vanguard Target Retirement 2030 Fund - VTHRX - (.24 * .40 * $...
by JuanZ
Wed Apr 09, 2014 3:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review & help choose funds in Taxable account
Replies: 7
Views: 432

Re: Advice for [Religious Investor]

Cash in a Money Market account, earning no interest?
a (small) portion of REITs?
http://www.bogleheads.org/wiki/REIT

(they are way riskier than bonds and can't be a complete substitute for them).
by JuanZ
Mon Apr 07, 2014 12:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice for [Religious Investor]
Replies: 39
Views: 3140

Re: TIAA CREF

Welcome 4503, as other people have noted, you need to check the specific funds offered in your plan. There are ways to have a Boglehead style portfolio with typical TIAA CREF funds -- check http://www.bogleheads.org/wiki/Three-fund_portfolio#Other_than_Vanguard.2C_Boglehead-style and http://www.bogl...
by JuanZ
Mon Apr 07, 2014 12:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIAA CREF
Replies: 50
Views: 3312

Re: Target Retirement Fund vs 3 or 4 fund portfolio for IRA

I forgot to add my own reason for not having an all-in-one Target Retirement: my own company has a not-so-great Target 20XX Retirement fund, not a Vanguard one. I looked inside and it has these weird tactical investments in commodities and international real state. I did not like it, and so I use th...
by JuanZ
Mon Apr 07, 2014 1:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Target Retirement Fund vs 3 or 4 fund portfolio for IRA
Replies: 10
Views: 938

Re: Target Retirement Fund vs 3 or 4 fund portfolio for IRA

Welcome newbieinvestor25, Other than the slightly lower fees, are there any other advantages to using a 3 or 4 fund approach over a Target Retirement Fund? If the amount you can save each year exceeds the 401k / IRA annual limit, and you need to invest in taxable accounts, using 3 - 4 funds could le...
by JuanZ
Mon Apr 07, 2014 1:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Target Retirement Fund vs 3 or 4 fund portfolio for IRA
Replies: 10
Views: 938

Re: Buying for someone who "has everything"

To celebrate your birthday, a gift to a charity of your choice.
by JuanZ
Fri Apr 04, 2014 4:10 pm
 
Forum: Personal Consumer Issues
Topic: Buying for someone who "has everything"
Replies: 43
Views: 2306

Re: Best TV Shows and YouTube channels related to money?

http://www.youtube.com/user/Thesensibleinvestor has a number of good introductory documentaries, boglehead style.
by JuanZ
Fri Apr 04, 2014 3:07 pm
 
Forum: Personal Consumer Issues
Topic: Best TV Shows and YouTube channels related to money?
Replies: 13
Views: 1100

Re: Expensive hobbies and possessions? (B/c you can...)

Astronomy with a dobsonian telescope, 8 inches. About $400. It ended up being heavy and big.
by JuanZ
Mon Mar 31, 2014 11:20 pm
 
Forum: Personal Consumer Issues
Topic: Expensive hobbies and possessions? (B/c you can...)
Replies: 126
Views: 9239

Re: Tax-managed Target Retirement Date fund

In fact there is one, but it may not be entirely satisfactory,
Vanguard Tax-Managed Balanced Fund (VTMFX)
https://personal.vanguard.com/us/funds/ ... IntExt=INT

50/50 US Stocks/bonds.
by JuanZ
Mon Mar 31, 2014 11:09 pm
 
Forum: Investing - Theory, News & General
Topic: Tax-managed Target Retirement Date fund
Replies: 11
Views: 1155

Re: Lazy portfolios: no returns or risk information

I read in previous posts by Frans that he wants to find optimal portfolios à la Markowitz.

An optimal lazy portfolio, wouldn't that be the Holy Grail!
by JuanZ
Sun Mar 30, 2014 2:58 pm
 
Forum: Investing - Theory, News & General
Topic: Lazy portfolios: no returns or risk information
Replies: 132
Views: 6642

Re: Lazy portfolios: no returns or risk information

To be fair, http://www.bogleheads.org/wiki/Three-fund_portfolio (perhaps the archetypical Boglehead Lazy portfolio) has a better justification.
by JuanZ
Fri Mar 28, 2014 5:15 pm
 
Forum: Investing - Theory, News & General
Topic: Lazy portfolios: no returns or risk information
Replies: 132
Views: 6642

Re: Lazy portfolios: no returns or risk information

Frans, Comparing Lazy Portfolios is really deciding how much slice-and-dice do you want to do. In the wiki article (http://www.bogleheads.org/wiki/Lazy_portfolios) , for instance, * the difference between "Schultheis 3 fund Portfolio" and "Burns Couch potato portfolio" is only ab...
by JuanZ
Fri Mar 28, 2014 5:02 pm
 
Forum: Investing - Theory, News & General
Topic: Lazy portfolios: no returns or risk information
Replies: 132
Views: 6642

Re: Are Vanguard Index Funds pure ??? Not So

Interesting. My 457 plan only has a S&P500 index fund and Vanguard's Midcap index fund (no smallcap index fund and no complete market index funds), so I use a 4:1 combination to emulate total market. The benchmark for Vanguard's midcap index fund is the CRSP US Mid Cap Index. The benchmark for V...
by JuanZ
Tue Mar 25, 2014 8:21 pm
 
Forum: Investing - Theory, News & General
Topic: Are Vanguard Index Funds pure ??? Not So
Replies: 67
Views: 4283

Re: Help with my sister's portfolio

Oliver, do I understand you correctly?
she has ~160 thousand in yearly income, at a 28% tax bracket,
and she plans to put $17.5 in a roth 401k ?
by JuanZ
Thu Mar 13, 2014 7:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with my sister's portfolio
Replies: 11
Views: 899

Re: Help with my sister's portfolio

brokerage accounts [...] managed by a CFP (for a $40/month fee)


:x

Everybody, please help Oliver's sister.
by JuanZ
Thu Mar 13, 2014 5:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with my sister's portfolio
Replies: 11
Views: 899
Next

Return to advanced search