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When To Buy I Bonds and EE Bonds - Now or Wait?

I recently removed all my investments from the hands of a financial advisor and "reset" everything the boglehead way. As part of my asset allocation, I have about $7,000 for I need to put toward I Bonds and EE Bonds ($3500 for each). Should I go ahead and do it now in order to receive the ...
by Tebowed
Sat Sep 28, 2013 8:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: When To Buy I Bonds and EE Bonds - Now or Wait?
Replies: 11
Views: 2615

Re: Pulling Trigger - Portfolio Holdings & Allocation

I read the evidence on small-value the exact opposite as you do. To under-weight the small-caps within your value category by 100% seems like making too large a bet on dubious evidence. I can see choosing not to drink the small-value Kool Aid if that's what you want to do, but then it would be more...
by Tebowed
Tue Aug 27, 2013 2:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Pulling Trigger - Portfolio Holdings & Allocation
Replies: 12
Views: 757

Re: A complex portfolio ?

tebowed: I'd love to hear any comments on my allocation or individual holdings. I'd also like to hear everyone's suggestions on what I should put in my Roth beyond VNQ and BND In my opinion your ten-fund (plus I-bonds) portfolio is unnecessarily complex. Instead of adding more funds, try to simplif...
by Tebowed
Tue Aug 27, 2013 1:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Pulling Trigger - Portfolio Holdings & Allocation
Replies: 12
Views: 757

Pulling Trigger - Portfolio Holdings & Allocation

I'm planning on later today or tomorrow morning finally pulling the trigger making the below portfolio. All my previous holdings from a financial advisor have been transferred to Vanguard, so I will sell those (most are in my Roth) and put in Vanguard products. Thanks to everyone for their help. I'd...
by Tebowed
Tue Aug 27, 2013 12:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Pulling Trigger - Portfolio Holdings & Allocation
Replies: 12
Views: 757

Re: Priority of These In Roth?

My bond allocation is 50% BND and 50% "inflation-protected," which is the combination of a cheap TIPS Index in my 401(k) and Series I Savings Bonds. Those I Bonds are pretty cool, in that they allow me to get tax-deferred growth within my bond allocation without taking up any space in my ...
by Tebowed
Tue Aug 27, 2013 10:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Priority of These In Roth?
Replies: 11
Views: 449

Re: Priority of These In Roth?

Makes sense - the wiki is definitely authoritative. The challenge you're experiencing with Wellington is a big reason that I don't own any mutual funds that mix stocks & bonds. It seems like a shame to give up the tax sheltering of the Roth for the 60% of Wellington that is in stocks, because p...
by Tebowed
Tue Aug 27, 2013 10:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Priority of These In Roth?
Replies: 11
Views: 449

Re: Priority of These In Roth?

Assuming you don't have any 401k or other rollover IRAs, I'd put the bonds in your Roth first, then if there's room left, the REIT. The rest could go into taxable. Again, that's assuming you don't have any other tax-deferred retirement vehicles - if so, the whole portfolio should be looked at toget...
by Tebowed
Tue Aug 27, 2013 10:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Priority of These In Roth?
Replies: 11
Views: 449

Re: Priority of These In Roth?

Aside from the Roth, we also need to know which of these funds are in taxable accounts and which in tax-deferred? I'm transferring some assets over from a financial advisor and liquidating some old mutual fund investments. In essence, I am redoing my entire portfolio. I have 30,000 of Roth space an...
by Tebowed
Tue Aug 27, 2013 9:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Priority of These In Roth?
Replies: 11
Views: 449

Re: Priority of These In Roth?

We would need to see your entire portfolio to offer any useful advice. You can not view one account in isolation. (Well, you can, but you shouldn't). I was trying to simplify things, but if you insist: United States Equity Investments (Total = 63%) 20.00% VTI (Vanguard Total Stock Market ETF) (.05%...
by Tebowed
Tue Aug 27, 2013 9:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Priority of These In Roth?
Replies: 11
Views: 449

Priority of These In Roth?

I have 30,000 of Roth space. What is the priority of the following in the Roth: VWELX (Wellington Fund), VCSH (short term corporate bond fund), VNQ (Vanguard Reit Fund), and BNDX? The way I see it I would order them the following (with the first being the one I should first put in the Roth): (1) VNQ...
by Tebowed
Tue Aug 27, 2013 8:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Priority of These In Roth?
Replies: 11
Views: 449

Re: Allocation and Proposed Portfolio Holdings - Advice Welc

Good Morning, With an intermediate Bond Fund Duration of say 5 Years. A rough amount is that when interest rates rise by 1%, the Bond NAV (Price) will decrease by 5%. With a shorter duration Bond side, It will be much less. As Interest Rates rise, Bond Prices will decrease. The Yield will go up but...
by Tebowed
Sun Aug 25, 2013 6:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Allocation and Proposed Portfolio Holdings - Advice Welcomed
Replies: 4
Views: 694

Re: Allocation and Proposed Portfolio Holdings - Advice Welc

Good Afternoon, Welcome to the Bogleheads forum! I'm close in age and are proud to see other young Bogleheads get on the right track! Please keep in mind that Wellington Bond Duration is probably in the 5 Year Range last time I checked it. Have you considered adding the Total International Bond Ind...
by Tebowed
Sat Aug 24, 2013 6:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Allocation and Proposed Portfolio Holdings - Advice Welcomed
Replies: 4
Views: 694

Allocation and Proposed Portfolio Holdings - Advice Welcomed

Emergency Funds: I have this set aside in my savings account currently, but will likely put it in some very short term staggered CDs in the near future Debt: No debt Tax Filing Status: Single Tax Rate: This year only it is going to be a 15% federal tax rate (going forward I will be either in the 25%...
by Tebowed
Sat Aug 24, 2013 12:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Allocation and Proposed Portfolio Holdings - Advice Welcomed
Replies: 4
Views: 694

Re: VWENX Thoughts?

What is a good resource which I can use to determine the hidden cost of fund turnover?
by Tebowed
Thu Aug 22, 2013 11:57 am
 
Forum: Investing - Help with Personal Investments
Topic: VWENX Thoughts?
Replies: 16
Views: 1475

Re: VWENX Thoughts?

Fair point on my misunderstanding of being bogleheaded.

Since they both hold a sizeable portion of bonds (particularly VWIAX), they would be more appropriate for a Roth would they not (assuming you have already allocated funds to any bond or REIT funds), correct?
by Tebowed
Thu Aug 22, 2013 11:11 am
 
Forum: Investing - Help with Personal Investments
Topic: VWENX Thoughts?
Replies: 16
Views: 1475

VWENX Thoughts?

VWENX thoughts?

It is actively managed (so not bogleheaded), but has a very low expense ratio (.17%) and seems to have consistently outperformed relevant indexes. However, I believe you have to have a minimum investment of 50,000 in order to qualify for admiral shares.
by Tebowed
Thu Aug 22, 2013 9:42 am
 
Forum: Investing - Help with Personal Investments
Topic: VWENX Thoughts?
Replies: 16
Views: 1475

Schwab Brokerage

How is Schwab brokerage? I noticed their online ETFs have $0 commissions. I also noticed that some of their ETFs are better (expense ratios) than Vanguard. SCHV is better than VTV (.07 vs ,10) (large cap value) SCHC is better than VSS (,20 vs .25) (although Schwab's product is only for developed mar...
by Tebowed
Tue Aug 20, 2013 10:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Schwab Brokerage
Replies: 21
Views: 1424

Choices For Small Cap Value Funds For Vanguard

The choices I have found are VIOV, VBR, and VTWV. VIOV seems to have performed best, but I know that isn't everything. Could someone knowledgeable lay out the pros and cons of each of these funds? I'm just looking to get small cap value exposure.
by Tebowed
Fri Aug 16, 2013 12:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Choices For Small Cap Value Funds For Vanguard
Replies: 6
Views: 888

Re: Finally Consolidating - Evaluate My 100k Portfolio

You may wantg to omit the Total US & Toal International Funds and build your own style elgob Thank you so much for your assistance and pointing me toward the X-Ray Morningstar tool. Using that tool, I think I have accomplished the tilting I desired. I didn't completely eliminate the Total Stock...
by Tebowed
Wed Aug 14, 2013 12:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Finally Consolidating - Evaluate My 100k Portfolio
Replies: 9
Views: 889

Re: Finally Consolidating - Evaluate My 100k Portfolio

3.82% ECON (Emerging Markets Consumer Titans Index) (0.85%) IMO 0.85% is too expensive. I'm torn about this one. Yes 0.85 is expensive, but there isn't a similar index fund out there that measures this. I know it isn't very boglehead of me, but I believe that as emerging markets grow the middle cla...
by Tebowed
Wed Aug 14, 2013 12:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Finally Consolidating - Evaluate My 100k Portfolio
Replies: 9
Views: 889

Re: Comparison of Vanguard's small-cap ETFs

2 years later, VIOV has outperformed VTWV pretty significantly. Does this change anyone's opinions? What exactly is the explanation for such a variance?
by Tebowed
Tue Aug 13, 2013 10:58 pm
 
Forum: Investing - Theory, News & General
Topic: Comparison of Vanguard's small-cap ETFs
Replies: 17
Views: 3404

Re: Finally Consolidating - Evaluate My 100k Portfolio

Have you plugged your values into Morningstar's Instant XRay Tool? You may find that you can acheive the same style of investing with far fewer funds. Start by plugging in Total International and write down the results, including the % of investments in each of the markets listed. As you add and su...
by Tebowed
Tue Aug 13, 2013 10:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Finally Consolidating - Evaluate My 100k Portfolio
Replies: 9
Views: 889

Re: Finally Consolidating - Evaluate My 100k Portfolio

Welcome to the forum! Consider "age in fixed income (FI) " as a rule of thumb guideline, 20% - 40% in International Equities and the balance in US Equities. A portfolio might then be constructed as 70%-75% Equities and 30%-25% FI. Many investors start with the intermediate term Total US B...
by Tebowed
Tue Aug 13, 2013 9:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Finally Consolidating - Evaluate My 100k Portfolio
Replies: 9
Views: 889

Re: Finally Consolidating - Evaluate My 100k Portfolio

No one have any thoughts? I'm particularly interested in the specific questions in the original post.

Also, am I slicing and dicing too much? Would I be better to not tilt toward value, small caps, mid caps, and emerging markets at all or as much, and instead put more into VTI and VXUS/VEU?
by Tebowed
Tue Aug 13, 2013 8:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Finally Consolidating - Evaluate My 100k Portfolio
Replies: 9
Views: 889

Re: 75 Transfer Fee?

They wouldn't waive the transfer fee and with commissions it would have been more expensive to liquidate and then have a check transferred to me. Thanks for all the suggestions.

I kind of wished I would have tried the $1 idea haha
by Tebowed
Tue Aug 13, 2013 8:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: 75 Transfer Fee?
Replies: 8
Views: 513

Re: poll: What equity allocation strategy do you use?

I am a complex slice-and-dicer, with 11 asset classes. How has that been working out for you and how much time do you spend monitoring your portfolio? It has worked OK; I use the slice-and-dice to get the risk (and hopefully, the return) of 100% stock while still holding some bonds. Monitoring isn'...
by Tebowed
Tue Aug 13, 2013 8:25 pm
 
Forum: Investing - Theory, News & General
Topic: poll: What equity allocation strategy do you use?
Replies: 30
Views: 2347

Finally Consolidating - Evaluate My 100k Portfolio

Below is my tentative portfolio for 100,000 total. I am 26 and have a very long timeline as these are my retirement investments. My goal is to have about an 85-95% equity allocation (obviously as I get closer to retirement this number will go down). I would be comfortable with as much as 95%. Howeve...
by Tebowed
Tue Aug 13, 2013 3:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Finally Consolidating - Evaluate My 100k Portfolio
Replies: 9
Views: 889

75 Transfer Fee?

My financial advisor is telling me there is a $75 transfer fee to transfer my ROTH IRA to Vanguard. Is this typical? Should I even bother asking if it could be waived?
by Tebowed
Tue Aug 13, 2013 2:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: 75 Transfer Fee?
Replies: 8
Views: 513

Re: Question on principles of tax efficient fund placement

I had one question about this article: . . . . . But it doesn't at all talk about the benefit of perhaps including index funds or even stocks in tax protected account: you won't be taxed on any gains once you take them out. . . . . . http://www.bogleheads.org/wiki/Principles_of_Tax-Efficient_Fund_P...
by Tebowed
Sat Aug 03, 2013 9:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Question on principles of tax efficient fund placement
Replies: 31
Views: 2493

Question on principles of tax efficient fund placement

I had one question about this article: it basically encourages you to put bond funds, REITs, etc. in tax protected accounts (such as ROTHs). But it doesn't at all talk about the benefit of perhaps including index funds or even stocks in tax protected account: you won't be taxed on any gains once you...
by Tebowed
Fri Aug 02, 2013 12:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question on principles of tax efficient fund placement
Replies: 31
Views: 2493

Re: Help With Roth and Possibly Getting Rid of Financial Adv

The extreme degree of risk comment was probably stated wrong, I merely meant I would be willing to do a 90/10 or 80/20 split (or even 100% in equities). It wasn't a reference to some crazy idea about investing in weird metals, investing in Russia, going heavy on emerging markets, etc. Sorry about th...
by Tebowed
Wed Feb 13, 2013 10:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help With Roth and Possibly Getting Rid of Financial Advisor
Replies: 10
Views: 1120

Re: Help With Roth and Possibly Getting Rid of Financial Adv

Thank you all for the replies. I will get back to you all on the 150k, I think rolling it all over to Vanguard will be the plan. I probably won't get around to it until May when I can really sit down and figure out a comprehensive plan. I definitely will come here with the plan when I come up with i...
by Tebowed
Wed Feb 13, 2013 8:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help With Roth and Possibly Getting Rid of Financial Advisor
Replies: 10
Views: 1120

Re: The Perils of financial modeling with Excel

I use Excel for data entry and it is perfect. However, I understand there can be complications when you get sophisticated with it (such as with financial modeling).
by Tebowed
Tue Feb 12, 2013 11:54 pm
 
Forum: Investing - Theory, News & General
Topic: The Perils of financial modeling with Excel
Replies: 42
Views: 3148

Help With Roth and Possibly Getting Rid of Financial Advisor

Background: I am a 25 year old currently in my last year of graduate school (I worked for 1 year between undergrad and grad school). When I graduate, I am looking to consolidate my finances and re-examine/allocate my current investments now that I will have a stable income. I worked during summers o...
by Tebowed
Tue Feb 12, 2013 11:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help With Roth and Possibly Getting Rid of Financial Advisor
Replies: 10
Views: 1120

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