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Re: Newbie ? Roth Ira

now I hope someone answers about my recent changes to my Roth AND why they think SEGNX is such a bad fund ????? I posted the symbols....just Google for the exp ratios...they are all below 1% SGENX has a 5% front load, and 1.13% ER......so you are down 6% before even starting. So no...not a good fund.
by LAlearning
Tue Apr 22, 2014 9:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie ? Roth Ira
Replies: 44
Views: 1639

Re: ok made some changes to our Roths....?

Will only say SGENX is a terrible choice.
by LAlearning
Tue Apr 22, 2014 5:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie ? Roth Ira
Replies: 44
Views: 1639

Re: International Allocation in 401k

VTSNX: because of the ER.

I wish you luck in your future record of outperformance.
by LAlearning
Mon Apr 21, 2014 5:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: International Allocation in 401k
Replies: 7
Views: 510

Re: American Funds: ANEFX, NEWFX and ANWPX

Give the Bogleheads 5.75% of your net worth every time you ask the board a question and you'll have your answer.
by LAlearning
Mon Mar 24, 2014 11:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: American Funds: ANEFX, NEWFX and ANWPX
Replies: 7
Views: 481

Re: Vanguard reduced bond allocation in Target Dated fund

The US Market was up 30% last year.....
Vanguard seems like they will not re-balance at the expense of cost to the investor, so they let it drift up.
It will come back as new money comes in. Don't sweat it.
by LAlearning
Tue Mar 18, 2014 12:53 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard reduced bond allocation in Target Dated fund
Replies: 14
Views: 1248

Re: Investment Advice Please

[OT comments removed by admin LadyGeek]
by LAlearning
Sun Mar 16, 2014 3:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment Advice Please
Replies: 13
Views: 706

Re: Target date retirement funds

Meh. Just proves people don't learn. This board is obviously different. I assume people here understand not only the AA of their TRF but also the underlying funds and the resultant M* style box, index vs passive, and total costs. I could never imagine myself investing without knowing those things. B...
by LAlearning
Sun Mar 16, 2014 3:28 pm
 
Forum: Investing - Theory, News & General
Topic: Target date retirement funds
Replies: 20
Views: 2162

Re: Bad time to open new fund in Roth?

Not enough info. If you keep up that mentality though, it sounds like you'll be afraid to invest in the low....then it will be too high....then not low enough....then....well, you get it (I hope). If you are 30....and retire at 65.....you better hope the market gets a whole lot higher and have a lot...
by LAlearning
Sun Mar 16, 2014 3:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bad time to open new fund in Roth?
Replies: 19
Views: 1658

Re: Purchasing Home with others...

Let them buy it and you rent. But I would never fund that kind of venture.
by LAlearning
Tue Mar 11, 2014 1:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Purchasing Home with others...
Replies: 10
Views: 719

Re: Suggestions for Mom's portfolio

Waddell and Reed is terrible. They will use load funds with high ER% and charge ~1-1.25% AUM.
by LAlearning
Mon Mar 10, 2014 11:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Suggestions for Mom's portfolio
Replies: 13
Views: 830

Re: Morningstar Performance Graphs

Yes.....unless the fund you are comparing doesn't go back that far. Then no.
by LAlearning
Mon Mar 10, 2014 3:26 pm
 
Forum: Personal Consumer Issues
Topic: Morningstar Performance Graphs
Replies: 3
Views: 205

Re: Vanguard Minimum Investment Question

That's a good idea, thanks! I understand that Vanguard will automatically convert your shares to Admiral when you reach 10k in the individual Investor Shares funds but they don't do this for Target Retirement Funds, correct? I had the understanding regardless of how much money you had in a Target R...
by LAlearning
Mon Mar 10, 2014 2:14 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Minimum Investment Question
Replies: 23
Views: 1683

Re: Perhaps Dumb Asset Allocation Question

Retirement investing and short term saving are different. Keep them separate.
by LAlearning
Mon Mar 10, 2014 1:47 pm
 
Forum: Investing - Theory, News & General
Topic: Perhaps Dumb Asset Allocation Question
Replies: 4
Views: 266

Re: Opening a Target Fund with Vanguard...

jivany wrote:Well, an update. I just opened up my first Vanguard Target Retirement Fund. I settled on 2050, as it is nearest 80/20. Woo hoo!


That fund is 90:10. TR 2035 (VTTHX) is 84:16. TR 2030 (VTHRX) is 76:24.

So take your pick.
by LAlearning
Mon Mar 10, 2014 1:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Opening a Target Fund with Vanguard...
Replies: 29
Views: 2612

Re: Tax Tables in 1040 instructions - imprecise?

sscritic wrote:You said you had the instructions. What do they say? Let me help.
Tax Table or Tax Computation Worksheet. If your taxable income is less than $100,000, you must use the Tax Table, later in these instructions, to figure your tax.


+1
by LAlearning
Sun Mar 09, 2014 6:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Tables in 1040 instructions - imprecise?
Replies: 27
Views: 844

Re: Invest or pay credit cards

Happy wife....such and such.
by LAlearning
Sun Mar 09, 2014 2:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Invest or pay credit cards
Replies: 11
Views: 463

Re: Where is the market heading?

You sound like someone who needs to sell something and buy some of that bitcoin......
by LAlearning
Sat Mar 08, 2014 10:30 pm
 
Forum: Investing - Theory, News & General
Topic: Where is the market heading?
Replies: 28
Views: 1455

Re: How do discount brokers make money from passive investor

This is the same as credit card companies. Haven't made a cent off of me....ever. Yet they still exist.
by LAlearning
Fri Mar 07, 2014 11:37 pm
 
Forum: Investing - Theory, News & General
Topic: How do discount brokers make money from passive investors?
Replies: 19
Views: 1902

Re: Seeking advice for a simple retirement portfolio

Something that hasnt been mentioned yet: why are you contributing to a ROTH 401k? How far into the 25% are you? If you add more to a trad 401k can you drop into the 15%? I also agree, move the IRA's to Vanguard, and put all accounts into TR 2045 or 2050 (essentially same thing at 90:10). 100% of any...
by LAlearning
Fri Mar 07, 2014 7:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Seeking advice for a simple retirement portfolio
Replies: 16
Views: 1416

Re: Stable Value Fund Canceled!

Seems like you are conservative.
Therefore: Van Short Term Bond

Otherwise, Total Bond.

Either way, wont make 3.4% probably.
by LAlearning
Wed Mar 05, 2014 3:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Stable Value Fund Canceled!
Replies: 22
Views: 2176

Re: Non-deductible contribution in traditional IRA

Well I got confused with ROTH IRA contribution which requires income. So now I have 3 options. 1. Leave it and keep record for future withdrawals 2. Withdraw the contribution now and pay early withdrawal penalty + tax on earning (recharacterization) 3. Convert to ROTH IRA Now if we decide to conver...
by LAlearning
Wed Mar 05, 2014 3:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Non-deductible contribution in traditional IRA
Replies: 8
Views: 459

Re: How Many Funds Do You Have in Taxable?

Total Intl
Total US
Interm TE
by LAlearning
Wed Mar 05, 2014 3:00 pm
 
Forum: Investing - Theory, News & General
Topic: How Many Funds Do You Have in Taxable?
Replies: 97
Views: 4900

Re: Would you rebalance anyway?

Why don't you sell only some of it? Any way to exchange for more FI in tax sheltered accounts? Live off the stock portion until rebalanced? Do nothing...
by LAlearning
Tue Mar 04, 2014 8:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Would you rebalance anyway?
Replies: 8
Views: 544

Re: IRAs

Nope.
by LAlearning
Tue Mar 04, 2014 6:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: IRAs
Replies: 6
Views: 360

Re: 25 YR Old Just Starting Out-Help with 401K/Investing

Watch the fixed income allocation. You could easily live to 100. I strongly encourage you to move to 100% equity allocation ASAP. You will certainly--certainly--thank me in 50 years. Look at any DJIA chart for the last 100 years if you doubt me. And research the number of ten year periods in which ...
by LAlearning
Tue Mar 04, 2014 5:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: 25 YR Old Just Starting Out-Help with 401K/Investing
Replies: 11
Views: 1550

Re: Banning +1 in Boglehead forums

VictoriaF wrote:
If :sharebeer counts as one smile, you can use twenty of them to double the impact.

Victoria


+1
by LAlearning
Tue Mar 04, 2014 4:59 pm
 
Forum: Forum Issues and Administration
Topic: Banning +1 in Boglehead forums
Replies: 53
Views: 2180

Re: Banning +1 in Boglehead forums

Any chance we could ban the use of +1 in these forums? I see emoticons on this entry page, but don't see them in the Boglehead forum topics, perhaps because I opted out. Emoticons are the lowest intellectual life form in any forum and the +1s are just one level up. Replying +1 is just a waste of ev...
by LAlearning
Tue Mar 04, 2014 4:28 pm
 
Forum: Forum Issues and Administration
Topic: Banning +1 in Boglehead forums
Replies: 53
Views: 2180

Re: Why the love for target date funds?

Ugh, I just read this first post. My comments.... It seems rote on this board and elsewhere to steer new investors, especially younger investors, toward Vanguard target date funds. I question the wisdom of this approach. --Here we go.... While it's a worthy goal to get people out of the habit of rea...
by LAlearning
Mon Mar 03, 2014 2:28 pm
 
Forum: Investing - Theory, News & General
Topic: Why the love for target date funds?
Replies: 71
Views: 3652

Re: Principal variable universal life income iii

White Coat Investor. -- Go here and read everything. Amazon: The White Coat Investor. --Then go here and read this. Asking Portfolio Questions. --Then fill this out. You are getting taken to the cleaners. Run, do not walk from your "trusted" financial advisors. They are drooling over thei...
by LAlearning
Mon Mar 03, 2014 1:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Principal variable universal life income iii
Replies: 21
Views: 798

Re: How Frequently Should A CO Detector Be Replaced?

You replace it according to the manufactures recommendation. Mine says ~8-10 years or when it starts beeping incessantly. I will replace it when it dies.
by LAlearning
Mon Mar 03, 2014 1:45 pm
 
Forum: Personal Consumer Issues
Topic: How Frequently Should A CO Detector Be Replaced?
Replies: 14
Views: 712

Re: reached "my number", struggling with asset allocation

Recently sold our business, had a great result and we're probably 2x "our number". I'm 57, will work at least another 3 years and then plan to retire. [...]So maybe the answer is 57% CDs and 43% equity, which should keep principal > x/2 (where x is my number). Congrats. I think ~40:60 sou...
by LAlearning
Mon Mar 03, 2014 1:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: reached "my number", struggling with asset allocation
Replies: 11
Views: 1402

Re: Credit card chip upgrade good idea??

Chip based credit cards are not new. They have been in use for probably about 2 decades now, mainly in the non-US world.

And to those who are concerned, they do work everywhere regular old CC are used.
by LAlearning
Mon Mar 03, 2014 1:40 pm
 
Forum: Personal Consumer Issues
Topic: Credit card chip upgrade good idea??
Replies: 45
Views: 1536

Re: Why the love for target date funds?

To those critics who constantly complain about glide paths: --Does no one understand that (in tax-advantaged accounts obviously) you can exchange the fund every year for the one with the AA that is closest to what you want? This takes a few minutes each year, so not very complicated either. I am wit...
by LAlearning
Mon Mar 03, 2014 1:37 pm
 
Forum: Investing - Theory, News & General
Topic: Why the love for target date funds?
Replies: 71
Views: 3652

Re: advice on new budget and possible home purchase

Going out on a limb, but congrats on becoming attendings/associates/something else. You made it. A couple things to get in order. --Occupation specific disability, for each of you. Please go to whitecoatinvestor.com and buy his book. --Umbrella policy. 2-3 million probably is sufficient. Especially ...
by LAlearning
Wed Feb 26, 2014 2:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: advice on new budget and possible home purchase
Replies: 8
Views: 490

Re: Took the Plunge, Bought an Accord Hybrid

So I'm curious why you say only diesels? Mazda's Skyactiv engine is turbocharged, but non diesel, and so far has been performing (and selling) extremely well with great mpgs. Skyactiv is not turbocharged. The CR is much too high for added boost. The engine would probably detonate itself. However it...
by LAlearning
Sun Feb 23, 2014 10:48 am
 
Forum: Personal Consumer Issues
Topic: Took the Plunge, Bought an Accord Hybrid
Replies: 45
Views: 3926

Re: Investments in Taxable Accounts- Please help

1.What are the 5 best Vanguard funds to hold in a taxable brokerage account? --I've only ever needed 3: Total US Stock, Total Intl Stock, Interm Term Tax Exempt Bond. 2. Over the years I have purchased some ETFs & Funds in my brokerage account that I really don’t think should be there. Should I...
by LAlearning
Mon Feb 17, 2014 2:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investments in Taxable Accounts- Please help
Replies: 5
Views: 490

Re: Get rid of car?

I have always had it serviced at the dealer. --Why would you ever do that?!?! My partner has a 2004 Nissan Xterra. It has 100,000 on it. We owe $5000 on it. --A decade later and you owe money on a car? She has never had it serviced "properly" (i.e., family member or uncle changes brakes, ...
by LAlearning
Sun Feb 16, 2014 12:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Get rid of car?
Replies: 13
Views: 985

Re: Asset Allocation 2014

Thank you for all your thoughtful replies. The 80/20 split represents my Vanguard IRAS. My 401k is supposedly half in stocks and half in bonds, but the bond fund is Loomis Sayles which has a risk profile more similar to stocks than bonds. So, in reality, my equity position is really more north of 8...
by LAlearning
Sun Feb 16, 2014 12:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation 2014
Replies: 25
Views: 1998

Re: Reasons why you're choosing your tax software this year

TurboTax

Free through Vanguard, Federal and State.
by LAlearning
Sat Feb 15, 2014 7:18 pm
 
Forum: Personal Consumer Issues
Topic: Reasons why you're choosing your tax software this year
Replies: 39
Views: 1840

Re: Filed my tax return on my own - one last question

Yes, I know that "accepted" doesn't mean I won't get audited. My last question: What is the purpose of "archiving" my return with TaxAct? I printed and saved a pdf version. Has anyone who used TaxAct used this service? What is the benefit? I know it's only $6.99, but I'm more in...
by LAlearning
Sat Feb 15, 2014 6:59 pm
 
Forum: Personal Consumer Issues
Topic: Filed my tax return on my own - one last question
Replies: 13
Views: 893

Re: Portfolio Advice - Help a hardworking newbie!

Emergency funds: 5 months of expenses in savings account at Ally Bank Saving for: Needs a car for work and may need a $1000 downpayment for a new automobile lease come July 2014. Debt: 12K student loan @ 6% Interest. Tax Filing Status: Single Tax Rate: 25% Federal, 5% State Age: 31 Desired Asset al...
by LAlearning
Sat Feb 15, 2014 6:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice - Help a hardworking newbie!
Replies: 12
Views: 599

Re: Filed my tax return on my own - one last question

Retread wrote:"Accepted" doesn't mean you couldn't have an audit over the next three years.
Bruce


Really? Who would have thunk......those crazy IRS rules.
by LAlearning
Sat Feb 15, 2014 4:35 pm
 
Forum: Personal Consumer Issues
Topic: Filed my tax return on my own - one last question
Replies: 13
Views: 893

Re: Filed my tax return on my own - one last question

I just filed my taxes 15 minutes ago, and already they have been accepted. That was pretty cool. But you're right, it still scared me.
by LAlearning
Sat Feb 15, 2014 2:56 pm
 
Forum: Personal Consumer Issues
Topic: Filed my tax return on my own - one last question
Replies: 13
Views: 893

Re: Getting rid of wife's Target Date fund - questions

It seems I over stepped my bounds as I have never been in this situation. I apologize for the comment. Mea culpa.

Please direct yourselves back to the OP question.
--My answer remains the same: leave it in the TRF.
by LAlearning
Fri Feb 14, 2014 11:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Getting rid of wife's Target Date fund - questions
Replies: 22
Views: 2095

Re: Getting rid of wife's Target Date fund - questions

dickenjb wrote:Reread the OP. He is not collecting unemployment, his unemployed wife is.

--MFJ = What's mine is yours....So yes, I will not edit my comment.
--I know they are "entitled" to it, but it is interesting none the less.
by LAlearning
Fri Feb 14, 2014 5:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Getting rid of wife's Target Date fund - questions
Replies: 22
Views: 2095

Re: Getting rid of wife's Target Date fund - questions

--I find it interesting you are collecting unemployment checks on a 6 figure income.
--Also I don't see the need to change any of the funds.
by LAlearning
Fri Feb 14, 2014 5:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Getting rid of wife's Target Date fund - questions
Replies: 22
Views: 2095

Re: Portfolio Advice please. Relative newbie!!

richard37 wrote:Thanks! Is it worth having REIT in the portfolio at all?? Wasn't sure about including them..


You need to decide that yourself.
by LAlearning
Fri Feb 14, 2014 4:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice please. Relative newbie!!
Replies: 12
Views: 633

Re: Portfolio Advice please. Relative newbie!!

--Wouldn't bother splitting the REITs as they are ~2% of your portfolio each. It just doesn't do anything.
--Don't include the taxable account. It's not for your retirement.....also consider 529 plan.
--You have great options int he 401k and chose appropriately.
by LAlearning
Fri Feb 14, 2014 3:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice please. Relative newbie!!
Replies: 12
Views: 633
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