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Re: Portfolio Simplification

You like to tinker!... don't you? Is re-evaluating your portfolio once a year tinkering? If so, then I guess I do. I just didn't see this combo when I did my big change-up last year, I guess because I'd been averse to the Target Retirement funds. I don't want to simplify as far as the Target Retire...
by NotJen
Sun Mar 17, 2013 4:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Simplification
Replies: 4
Views: 934

Re: Portfolio Simplification

I will keep an eye on the 401k offerings - I'm going to try to suggest adding the core funds. I should have gotten in with the group selecting the funds when we started it up a few years ago, but I didn't know what I was doing back then.
by NotJen
Sat Mar 16, 2013 5:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Simplification
Replies: 4
Views: 934

Portfolio Simplification

I got great advice here a year ago, and I am very happy with my asset allocation and index funds. But I was looking at my portfolio today trying to decide if I can simplify it even more. Emergency Funds: 1 year Debt: Mortgage $110k, 4.0%, 15 yrs ($60k balance remaining) Tax Filing Status: Single Tax...
by NotJen
Fri Mar 15, 2013 4:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Simplification
Replies: 4
Views: 934

Re: Help me help my mother go from Edward Jones to Vanguard

I just transferred my accounts from Edward Jones to Vanguard, and it was very simple. The whole process took about a month - tomorrow I'll finally be able to sell the money market and buy my funds. Yay! I initiated the process online through Vanguard. I didnt need to, but they will walk you through ...
by NotJen
Tue Mar 13, 2012 10:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Help me help my mother go from Edward Jones to Vanguard
Replies: 20
Views: 2593

Re: Rebalancing my Portfolio

My 401k is adding an inflation-protected bond fund - DFA Inflation-Protected Securities I, DIPSX (0.13). Just wondering if this is something I should mix with the total bond index? I've read a lot about TIPS here (I realize this fund is not the same), but I'm still not sure if there is a general gui...
by NotJen
Thu Feb 23, 2012 10:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing my Portfolio
Replies: 13
Views: 1105

Re: Rebalancing my Portfolio

Any thoughts on my last re-balance plan? I'm starting to like it.
by NotJen
Mon Feb 13, 2012 12:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing my Portfolio
Replies: 13
Views: 1105

Re: Rebalancing my Portfolio

I think this is as simple as I can go to meet my AA. Vanguard Roth 10% VTBLX 10% VEXAX 9% VTSAX (New money 40% VTBLX / 60% VEXAX) <-- or maybe more to bonds. 401k 9% VDMIX 8% VERSX 14% VFINX (New money 18% VDMIX / 18% VERSX / 64% VFINX) Vanguard SEP IRA 10% VTIAX 30% VTSAX I'll definitely check out ...
by NotJen
Fri Feb 10, 2012 5:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing my Portfolio
Replies: 13
Views: 1105

Re: Rebalancing my Portfolio

One driver in designing a portfolio is to select the best available funds — especially in work plans like a 401K. That was basically my question. Is Vangurad Short Term Investment Grade better/worse/equal to VTBLX? Once my transfers are complete, my portfolio will be split: 29% Roth at Vanguard 31%...
by NotJen
Fri Feb 10, 2012 3:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing my Portfolio
Replies: 13
Views: 1105

Re: Rebalancing my Portfolio

YDNAL, By time, I mean a few days to research everything. I like your proposed split, just need to look up the funds that are new to me. tyruon, Did you suggest bonds in the 401k because my Roth % is equal to my desired International %? Good idea. The fund in the 401k is good enough for all my bond ...
by NotJen
Fri Feb 10, 2012 2:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing my Portfolio
Replies: 13
Views: 1105

Re: Rebalancing my Portfolio

My 401k fees were $265 last year. I pay $40 to EdJ. I have been convinced to move my EdJ Roth to Vanguard. I was assuming I could only move my SEP to my 401k, but if I can move it to Vanguard, that might be the best plan... YDNAL, I still need to take the time to consider the positive recommendation...
by NotJen
Fri Feb 10, 2012 10:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing my Portfolio
Replies: 13
Views: 1105

Re: Rebalancing my Portfolio

Okay, I will re-examine the EdJ account and consider moving the Roth and rolling over the SEP. The 401k also has fees that I need to understand first.

It sucks that you got taken

I didn't get taken. I knew what I was getting into, and that I would do better in the future.
by NotJen
Fri Feb 10, 2012 9:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing my Portfolio
Replies: 13
Views: 1105

Rebalancing my Portfolio

I'm finally getting it together to rebalance my retirement accounts to the allocations I want! I have an old SEP IRA and Roth IRA at Edward Jones. I am not contributing to either anymore (since my company switched to a 401k), and I plan to leave them as is – I hate that I paid high fees to invest, s...
by NotJen
Thu Feb 09, 2012 4:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing my Portfolio
Replies: 13
Views: 1105

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