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Re: Bailing On Pimco Bond?

I had a small amount of PTLDX in my HSA. When some Vanguard funds became available I moved it to VGTSX. I then moved the same amount of VGTSX in my 401K to VBTSX.
by On the way
Wed Apr 02, 2014 7:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bailing On Pimco Bond?
Replies: 19
Views: 1956

Re: Domestic vs. International Stock Allocation

Regarding the "sweet spot" of 20-50% international. I was walked through the paper by a CFP that Flagship provided as part of a review. I requested to be walked through the paper because I read it and concluded that there was no difference between 0 and 50% international. I was then shown...
by On the way
Tue Mar 25, 2014 8:17 pm
 
Forum: Investing - Theory, News & General
Topic: Domestic vs. International Stock Allocation
Replies: 37
Views: 2922

Re: Is Vanguard's portfolio watch tool broken?

Could someone post the URL for these tools? I have not been able to find them. Thanks in advance. You need an account at Vanguard. Log in. Mouse over "My Accounts" (it's just under the Vanguard logo at the top) and you should get a drop down list of about 14 things ... "Overview, Bal...
by On the way
Mon Mar 17, 2014 7:58 am
 
Forum: Personal Consumer Issues
Topic: Is Vanguard's portfolio watch tool broken?
Replies: 23
Views: 1856

Re: Trouble with Financial Engines Account?

I access Financial Engines through the my accounts page at Vanguard - no problems with access.
by On the way
Sun Mar 16, 2014 1:56 pm
 
Forum: Investing - Theory, News & General
Topic: Trouble with Financial Engines Account?
Replies: 11
Views: 1136

Re: Is Vanguard's portfolio watch tool broken?

Could someone post the URL for these tools? I have not been able to find them. Thanks in advance.
by On the way
Sun Mar 16, 2014 11:20 am
 
Forum: Personal Consumer Issues
Topic: Is Vanguard's portfolio watch tool broken?
Replies: 23
Views: 1856

Re: You know you're a Boglehead when ...

You don't know what the interest rates on your credit cards are since it has been 15 years since you did not pay it off before the due date. And you are still mad at yourself for throwing that credit card bill out with the junk mail 15 years ago. Actually it was 31 years ago and I still remember it...
by On the way
Tue Mar 04, 2014 1:10 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: You know you're a Boglehead when ...
Replies: 86
Views: 5099

Re: Risky investment with a "guaranteed" principal return

Streptococcus makes very good points. I have watched several episodes of "American Greed", and was surprised on how easy it is to run a scam. Be very careful, it could be legit, but once you are in, and it is not, the money is gone.
by On the way
Sat Mar 01, 2014 9:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Risky investment with a "guaranteed" principal return
Replies: 55
Views: 3352

Re: Health Savings Account investment choice

Thanks WHL and abuss368.

No target date funds. There are a couple of Columbia blended funds but the ER's are 1.25%
by On the way
Wed Feb 12, 2014 6:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Health Savings Account investment choice
Replies: 5
Views: 408

Health Savings Account investment choice

While my H.S.A. will not be a great part of my retirement portfolio (maybe about 2% of total portfolio at retirement), I do try to make it as productive as possible. There are not many good fund choices (high er’s). My current investment is Pimco Low Duration Fund Institutional Class – PTLDX – 0.46%...
by On the way
Wed Feb 12, 2014 12:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Health Savings Account investment choice
Replies: 5
Views: 408

Re: Is anybody considering reducing bond purchases

63% of new contributions will go into bonds.
by On the way
Wed Dec 25, 2013 6:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is anybody considering reducing bond purchases
Replies: 24
Views: 1526

Re: Update to Portfolio Help Request

Thanks Grt2bOutdoors.

I have quite a bit of life insurance, but a little more wouldn't hurt, I'll check out the site. The house would still have to be sold, she would not have the ability to stay without someone to move in with her.
by On the way
Wed Dec 18, 2013 8:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Update to Portfolio Help Request
Replies: 8
Views: 497

Re: Update to Portfolio Help Request

Thanks btenny. I have modeled what would happen if there was a repeat of the low of 2009. I would loose about 25% of the portfolio today instead of the 30% actually lost then. Part of the reason I am willing to accept the risk of a higher percentage stocks at this point is because of how much I am p...
by On the way
Wed Dec 18, 2013 7:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Update to Portfolio Help Request
Replies: 8
Views: 497

Re: Update to Portfolio Help Request

Thanks denovo.
by On the way
Wed Dec 18, 2013 6:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Update to Portfolio Help Request
Replies: 8
Views: 497

Re: Update to Portfolio Help Request

ieee488,

Agreed the portfolio has not changed much. But prior to Duckie's suggestions I would not have considered TBM or have known that I could open a Roth for my wife. Both of these have been done.
by On the way
Sun Dec 15, 2013 12:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Update to Portfolio Help Request
Replies: 8
Views: 497

Update to Portfolio Help Request

An update to my first post of 8/31/2013. viewtopic.php?f=1&t=122426&p=1792849 edited to provide correct link Not a lot of changes yet, but it was pointed out in one thread that many times posters fall off the map once a "portfolio advice" thread dies out. First, a thanks to all, es...
by On the way
Sun Dec 15, 2013 12:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Update to Portfolio Help Request
Replies: 8
Views: 497

Re: Rebalancing 401K

livesoft wrote:It does not matter especially since rebalancing is a gross adjustment.


Thanks Livesoft.
by On the way
Mon Nov 25, 2013 10:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing 401K
Replies: 2
Views: 221

Rebalancing 401K

As we are entering the end of the year and there are capital gains and dividends that will be distributed, does it matter if I rebalance before or after the distributions in my 401 k?
by On the way
Mon Nov 25, 2013 9:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing 401K
Replies: 2
Views: 221

Re: Weighted average portfolio expense ratio

Thanks An_Asker,

Sorry for the delayed response. My 401K options can be found here

viewtopic.php?f=1&t=122426
by On the way
Sun Nov 03, 2013 2:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Weighted average portfolio expense ratio
Replies: 28
Views: 1251

Re: Weighted average portfolio expense ratio

Not suitable for investors seeking long-term growth of capital. So what purpose do they serve in a 401k? (Before you give the obvious answer, if you are retired I think you should roll your 401k to an IRA and get a 3-fund portfolio at Vanguard.) Edit: I found my answer: http://www.bogleheads.org/wi...
by On the way
Fri Oct 25, 2013 6:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Weighted average portfolio expense ratio
Replies: 28
Views: 1251

Re: Weighted average portfolio expense ratio

From a brochure on the Vanguard site: Should I invest in my company’s stable value fund? The stable value fund provides for interest income comparable to that of a shorter duration (often called “short-term”) bond fund, without the price fluctuations of a short-term bond fund. Like short-term bond ...
by On the way
Fri Oct 25, 2013 6:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Weighted average portfolio expense ratio
Replies: 28
Views: 1251

Re: Weighted average portfolio expense ratio

I have calculated the weighted average expense ratio for my portfolio at 0.27%. However, Vanguard reports my ratio at 0.24%. The reason for the difference is the stable value fund. Although the fund is from Vanguard (VRSTF), they do not include it in their calculations. I have up until now included...
by On the way
Fri Oct 25, 2013 5:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Weighted average portfolio expense ratio
Replies: 28
Views: 1251

Re: Weighted average portfolio expense ratio

Thanks for the link Keith.
by On the way
Fri Oct 25, 2013 5:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Weighted average portfolio expense ratio
Replies: 28
Views: 1251

Re: Weighted average portfolio expense ratio

pingo, How or why would your ER change so it is necessary to recalculate it? Many of us do not even calculate our rate of return, for we do not know what we would then do. Keith Interesting point. While I do not calculate my rate of return, I am always looking to see if I might continue to hold the...
by On the way
Fri Oct 25, 2013 4:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Weighted average portfolio expense ratio
Replies: 28
Views: 1251

Re: Weighted average portfolio expense ratio

mhc wrote:OP,

an interesting thing is to go to firecalc.com, input you data, use the Investigate tab, and see what the impact of ER is. Below a certain point, ER has little to no impact.


Thanks. I've used firecalc but not thought to look at differing er's.
by On the way
Thu Oct 24, 2013 6:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Weighted average portfolio expense ratio
Replies: 28
Views: 1251

Re: Weighted average portfolio expense ratio

What is your purpose in knowing that number? :) The answer will depend on your purpose. Once you know the number, how will it change your life? What actions will you take once you know the number? Knowing the number will not change my life, however it will satisify my curiosity. :mrgreen: I am not ...
by On the way
Thu Oct 24, 2013 6:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Weighted average portfolio expense ratio
Replies: 28
Views: 1251

Weighted average portfolio expense ratio

I have calculated the weighted average expense ratio for my portfolio at 0.27%. However, Vanguard reports my ratio at 0.24%. The reason for the difference is the stable value fund. Although the fund is from Vanguard (VRSTF), they do not include it in their calculations. I have up until now included ...
by On the way
Thu Oct 24, 2013 4:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Weighted average portfolio expense ratio
Replies: 28
Views: 1251

Re: Medical bill and insurance coverage

I am sorry to hear of your dificulities. Please double check my post with your insurance.

Assuming your family had no other medical expenses this year. You would be responsible for the $300 deductible. The plan would then pay 80% and you would pay 20% up to the $2000 per person max.
by On the way
Wed Sep 25, 2013 8:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medical bill and insurance coverage
Replies: 8
Views: 431

Re: Poll: Did low-cost investing not work for you?

Yes, but not because I am so smart. My investments are mainly in my 401k and our company chose Vanguard.
by On the way
Sun Sep 22, 2013 6:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Poll: Did low-cost investing not work for you?
Replies: 25
Views: 3545

Re: Bogleheads, why is this taboo? [Use Leverage in a Portfo

Thanks. In looking at the mortgage as leverage I am at 17% (my only debt). My goal is to have the mortgage paid off at retirement (prepaying at $400/month), but may need to rethink this as I am not filling up all of my tax advantaged space. I think I would favor ensuring the mortgage is paid off at...
by On the way
Tue Sep 10, 2013 8:45 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads, why is this taboo? [Use Leverage in a Portfolio]
Replies: 189
Views: 14051

Re: Bogleheads, why is this taboo? [Use Leverage in a Portfo

If your mortgage is your only leverage is there an appropriate level? That will depend on a lot of factors particular to your situation. In general I'd say your priority is going to be taking advantage your employer 401k match and filling up your tax advantaged investing space before paying extra o...
by On the way
Tue Sep 10, 2013 7:20 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads, why is this taboo? [Use Leverage in a Portfolio]
Replies: 189
Views: 14051

Re: Bogleheads, why is this taboo? [Use Leverage in a Portfo

My point is simply that the investments are not leveraged to pay the mortgage, if you are using personal earnings or human capital.. 1. I am young, with a good job. I choose a 15- or a 30-year mortgage, and I also fund my IRA and my account in my company 401k plan. I can trade off the amount of my ...
by On the way
Tue Sep 10, 2013 12:43 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads, why is this taboo? [Use Leverage in a Portfolio]
Replies: 189
Views: 14051

Re: Portfolio advice

Thanks again Duckie, I was never a fan of Target Retirement funds, but with that low minimum, I can open a spousal Roth and exchange once the contributions add up the $3000 minimum for other funds. This is great. For the HSA the Pimco fund is the best for short term funds. I am considering the Pimco...
by On the way
Sun Sep 01, 2013 8:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice
Replies: 9
Views: 889

Re: Do Roth accounts always lose?

I too just started to look at taxes in retirement (see post Portfolio Advice under investing). I had always thought max out the 401k and found this is not nessarly true. My plan now is to reduce 401k contributions and start funding roths for my wife and I, however keeping my taxable income under $72...
by On the way
Sun Sep 01, 2013 3:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do Roth accounts always lose?
Replies: 69
Views: 5300

Re: Portfolio advice

Thanks BL.

This is why I like this site so much. I was unaware of a spousal IRA. I am going to try to set this up by the end of the year (need to save the minimum to open an account).
by On the way
Sun Sep 01, 2013 2:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice
Replies: 9
Views: 889

Re: Portfolio advice

Taking this a step further. Is there any logic in further reducing my 401K contribution and directing this to prepaying the mortgage? Contributions to the 401k would then be $25,000/yr and the mortgage prepayment would increase from $400/mo to $950/mo.
by On the way
Sun Sep 01, 2013 12:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice
Replies: 9
Views: 889

Re: Portfolio advice

On the way , you want an AA of 70% stocks, 30% bonds (low), with 10-15% of stocks in international (low). I'll pick 15% but I think it should be higher. That breaks down to 49% US stocks, 21% international stocks, and 30% bonds. Here is a possible retirement portfolio: His 401k -- 98% 39% ( VINIX )...
by On the way
Sat Aug 31, 2013 11:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice
Replies: 9
Views: 889

Re: Portfolio advice

Thanks JW That's what I am afraid of at this point. I am a little late to the party in looking at retirement taxes, makes me question what else I am missing. However, with the change I am contributing only 13% of income to the 401k the rest is contributed by my company. With 11 years to go I can pos...
by On the way
Sat Aug 31, 2013 10:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice
Replies: 9
Views: 889

Portfolio advice

First time post, long time lurker. I have just made the change of lowering my 401k contribution to fully fund my ROTH. I based this decision looking at federal taxes on social security, thinking that I might be able to reduce the amount of social security subjected to tax at retirement. I ran this b...
by On the way
Sat Aug 31, 2013 3:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice
Replies: 9
Views: 889

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