Bogleheads.org

Just hit 'transaction history' and filter to 'year to date' and submit.

Trying to time the market is not investing, it's gambling.

Get aggressive about saving and you'll be fine. Assuming you retire at 65 and start today, you have a good 25 years to fund your retirement.

I would not give up a job that only requires 8 hours/day and pays that well with great job security.

Just my 2 cents...

That looks like a good dom/int split/plan to me. You're keeping it simple which is what a Boglehead does.

2.875% is very low. I would invest that money instead of paying the mortage but it's your call.

5K is not that much for someone in your financial situation. It sounds as if your spouse will use it often so I'd definitely encourage him/her get it.

You're splitting hairs brother. Pick one and don't look back.

by ps56k » Tue Apr 09, 2013 6:23 pm 1.So, it just will sit there.... 2.I'm guessing we can't "add" any more money to the account, since that would normally happen via the payroll deduction conduit. 3.Since the 403b and the IRA are both at Fidelity, can it be rolled or added to the existin...

You can either leave it in the 403b or call Fidelity and they will help you with the rollover process.

dbr wrote:

A person should not be 100% confident at 100% stocks and quiver at the prospect of taking on even more risk.

I disagree. By that argument, a person who rides a motorcycle without a helmet should also go 150 miles per hour in a 30 mile per hour zone.

I see no issue with it. I'm no fan of bonds for young folks.

That all depends on whether or not it will go up or down in the future. What does the crystal ball say?

You can't really go wrong with either company. If you do Schwab, just stick with the ETFs that are commission free with very low ERs.

That is a very good fund and well diversified for a low price. Generally speaking, however, funds of funds such as FFNOX or Target Retirement are not as tax efficient as TSM or TISM. Thanks. The comment about TSM/TISM -- is that in reference to the tax efficiency of Fidelity vs. Vanguard in general...

That is a very good fund and well diversified for a low price. Generally speaking, however, funds of funds such as FFNOX or Target Retirement are not as tax efficient as TSM or TISM.

I agree.

Hi Shiloh - You may consider describing your situation here. I think you'd be surprised at how helpful and knowledgable these folks on an anonymous internet message board are

In the grand scheme of things, this is a pretty cheap lesson to learn. I'd send a letter as mentioned above and see if he bites. If not, I'd move on and be happy that you found Vanguard.

I think it has to do with risk tolerance and not panicking when the market does down by selling and pulling out of the market.

I'm 26 as well and don't own any bonds. Probably won't for 15 years or so.

Surprised to see the Ford Fusion is not on there. That is a great car.

Schwab has some very inexpensive ETFs:

http://www.schwab.com/public/schwab/inv ... mbol%3DQQQ

All this is good to know. I'll still refuse to buy Heinz product...from one obnoxious owner with political opinions I disagree with to another. Red Gold ketchup all the way - plus it's lower in carbs and sugar and tastes great. You must be from the Midwest. I buy Red Gold myself and it's made just ...

Anything that I don't 100% understand, I will not invest in.Not familiar with HSA and someone will probably give you a better answer! But, I will max 401k/403b, TIRA, Roth, etc before thinking about HSA. If the administrator won't answer your question you probably have to walk away or run.. Huh? Ha...

I have a company car and would highly recommend choosing that option. It is a great benefit and it is very nice not having to worry about paying for maintenance, tires, gas (except for personal use), oil changes, insurance etc.

Saving your receipts is a great strategy. It allows you to use the HSA as an emergency fund.

I am healthy and haven't been to a doctor in 5 years. I use the HSA as an extra tax preferred shelter and invest the monies in mutual funds. In my opinion the HSA is the best tax preferred vehicle. You pay no taxes on it if taken directly from your paycheck. The HSA allows you to avoid payroll (FICA...

At the 10% tax bracket Roth is a great option. With that said, one thing I do like about pre-tax dollars is the options it gives you with regards to conversions. If you end up with a lot of money in tIRAs or pre-tax 401ks, you can just retire earlier and start conversions earlier.

Thanks for the heads up. I also have Optum Health Bank and checked the options after reading your post. To my pleasant surprise those funds are now on mine as well. Vanguard, here I come

Happy Birthday Original Boglehead

Which custodian as the Roth IRA?

Thanks guys for your input. No other investments for now.A small account,a little over 5k. I wouldn't worry about allocating 5K between different funds. I'd just put it in the S&P500 fund and let it ride until you have about 100K (assuming you aren't retiring any time soon). It all depends on h...

Ok quick question - I read on the wiki that most Freedom funds now follow the 3 fund premise. I do have the Fidelity Freedom Index funds available to me. Should I just go with that for simplicity's sake? OR is there a real benefit to choosing my own 3 funds? There's not really a right or wrong answ...

I'm facing this same problem with my 401k that's adminstered by Fidelity.There's only two index funds--Spartan 500 and A Spartan Bond Index fund-- in this plan. Should I consider these funds or stay in the bloated Freedom 2040 fund? You can make a very nice 2-fund portfolio with the Spartan 500 and...

So the major difference comes down to commissions and other associated fees that the brokerage administers? Do you all think it was worth it for me to roll over my Roth IRA to Vanguard from Schwab? I had similar ER's over there but I felt more comfortable with Vanguard based on everything I've read...

If you were happy, why did you switch in the first place?

1468.29

Taylor- I checked the mail today and had two books. One from yourself and one from Mr. Bogle. Thank you so much for putting this together and thank you both for the books and messages. What a great gift, I had no idea they'd be signed! Thank you again!

Taylor - thanks for putting this together! Thanks everyone for the comments! The responses regarding my username made me laugh :D Taylor sent me a message requesting I go over my investing experience and how I guessed my number - so here goes! I'm 26 and started investing in the company 401k after I...

I think it's a great question. I just don't have the answer you may be looking for. Good luck!

There is no place in the U.S. that is quite like Coastal CA. I'd go for it!

I'd take zebrafish's advice and look at the Schwab ETFs. Those are some of the lowest cost funds in the industry.

Does their junk mail include a postage paid envelope? Mail back the envelope without anything in it? Keep doing so, at some point the mailings will cease. Register your work number with the "FTC's Do Not Call Registry" - wait for days to elapse until it becomes effective, then report them...

Not everyone is snooty. I would not invite people back who are no fun. I'm surprised you invited the guy back who wanted his mint jelly.

I discovered something today as I make oatmeal a lot and was tired of watching the microwave for boil overs. You take the oatmeal, add water (and some rains, nuts, Splenda if you wish) and let it sit and be happy for about a half hour. I derived a great deal of pleasure from it and now am set for l...

I'd put 100% into the S&P Index Fund and let it ride until you want to add bonds when you get older.

First off - you're doing great for your age :beer I'd keep putting in the 401k in the S&P 500 (cheapest fund) even before paying off the mortgage. The ER isn't great but it isn't horrible IMO. At that interest rate, you may want to consider taxable investing before paying off the mortgage. My fi...

Do they have an HSA? That thing is like the holy grail of tax deferral (no taxes paid going in and no taxes to pay coming out as long as it is for medical expenses). Also, there is no payroll (SS) tax for it.

You can make a case for doing either since you will have a nice pension that will cover the lower tax brackets in retirement. Do you have enough money to max the TSP @ 17500 and the Roth @ 5,500? If I had to choose between the two, I would max the regular TSP and retire sooner if you are concerned w...

Will this be in a tax-advantaged account? If so, I'd just put the money in FFNOX (four-in-one index) until you building up your assets. I agree with jay69, that is not enough money to worry about doing a 3-fund portfolio.