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Re: Self-Directed Morgan Stanley 401K-HELP!

Most 401k plans with a self-directed option offer that option alongside a normal menu of 15 to 20 mutual funds. Is this plan self-directed only? How big is the employer? Somebody is making way too much money on this one. @tomob Very small a few participants. I asked for a list of funds yesterday fr...
by Yanksin2013
Tue Jan 07, 2014 12:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Self-Directed Morgan Stanley 401K-HELP!
Replies: 20
Views: 717

Re: Self-Directed Morgan Stanley 401K-HELP!

I'm in a similar situation with my 401k. Why did you choose 6 months? (I'm not saying it's bad, just asking.) Once a year would mean you'd pay $100/year instead of $200/year. But, it also means you miss out on 6 months of the market with half a year's money. No real reason I might go once a year I ...
by Yanksin2013
Tue Jan 07, 2014 12:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Self-Directed Morgan Stanley 401K-HELP!
Replies: 20
Views: 717

Re: Self-Directed Morgan Stanley 401K-HELP!

You might see if the money can be held in a free mutual fund account until you have a large amount to invest them go with your plan of the one fund. I am not sure how you can wait to invest in a 401k since funds usually come out of your paycheck. You may need to contribute the money each paycheck t...
by Yanksin2013
Mon Jan 06, 2014 10:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Self-Directed Morgan Stanley 401K-HELP!
Replies: 20
Views: 717

Re: Self-Directed Morgan Stanley 401K-HELP!

I definitely might have misunderstood him but I'm sure I can't buy vanguard or fidelity mutual funds with this account . He told me I couldn't plus I tried to run the trade through the online account and was denied. This is not surprising. Well, the Fidelity part is a little surprising, but not Van...
by Yanksin2013
Mon Jan 06, 2014 10:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Self-Directed Morgan Stanley 401K-HELP!
Replies: 20
Views: 717

Re: Self-Directed Morgan Stanley 401K-HELP!

BlackRock is the one I would look at. They have a good list of index funds. I know at this point you think that won't work, but I'm thinking you may have misunderstood what they guy said. Many people do not sell Vanguard funds because (or so I've heard) Vanguard won't pay them a little kickback. Th...
by Yanksin2013
Mon Jan 06, 2014 9:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Self-Directed Morgan Stanley 401K-HELP!
Replies: 20
Views: 717

Re: Self-Directed Morgan Stanley 401K-HELP!

JamesSFO wrote:Why not just move this somewhere else? E.g. Vanguard offers I401K products as does Fidelity and Schwab.

what do you mean? Have her employer change 401K providers? I don't think they would do that
by Yanksin2013
Mon Jan 06, 2014 9:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Self-Directed Morgan Stanley 401K-HELP!
Replies: 20
Views: 717

Re: Self-Directed Morgan Stanley 401K-HELP!

That's the problem they don't have a list with a self directed 401K, I think it functions like a brokerage account where you can buy anything. I asked the advisor for one but he said it doesn't work that way. He gave me a list of maybe 15 fund companies, Alliance, American century, American Beacon, ...
by Yanksin2013
Mon Jan 06, 2014 9:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Self-Directed Morgan Stanley 401K-HELP!
Replies: 20
Views: 717

Re: Self-Directed Morgan Stanley 401K-HELP!

I don't know if it's a commission or transaction fee. The FA used the word commission. This fee is a minimum and applied to any trade regardless of what ETF or stock is bought. From what I understand they don't have a group of funds to choose from, it's self directed where you are on your own to buy...
by Yanksin2013
Mon Jan 06, 2014 8:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Self-Directed Morgan Stanley 401K-HELP!
Replies: 20
Views: 717

Self-Directed Morgan Stanley 401K-HELP!

My wife's employer recently started a self-directed 401K with Morgan Stanley which she signed up for and I have been put in charge of managing it. She has an IRA with Vanguard in a 3 fund portfolio & initially the idea was to duplicate it in the 401K account. The problem that we are running into...
by Yanksin2013
Mon Jan 06, 2014 7:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Self-Directed Morgan Stanley 401K-HELP!
Replies: 20
Views: 717

Re: Book Review - The 100 Best Stocks to Buy in 2013

Isn't owning the "mediocre" companies the main argument towards value tilting. That the "best" companies tend to be over priced and thus under perform because too many investors follow the advice set forth in this book.
by Yanksin2013
Fri Apr 05, 2013 9:23 am
 
Forum: Investing - Theory, News & General
Topic: Book Review - The 100 Best Stocks to Buy in 2013
Replies: 6
Views: 960

Re: Is Betterment a good spot for a low income beginner?

I havn't used it but there is an article from long term returns that goes over pros & cons compared to VG life Strategy. Here is the link http://www.longtermreturns.com/2012/03/ ... ategy.html
by Yanksin2013
Fri Mar 22, 2013 3:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is Betterment a good spot for a low income beginner?
Replies: 27
Views: 3738

Re: How Much Cash do I Need to Retire?

I would think about 5 million not including SS if the cash and treasuries were able to keep pace with inflation. 4% SWR assumes some growth & cash would likely not even keep up with inflation
by Yanksin2013
Fri Mar 22, 2013 2:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: How Much Cash do I Need to Retire?
Replies: 38
Views: 4704

Re: Active vs. passive debate question (Hedge Funds)

Not all but for some of them the use of non public information
by Yanksin2013
Fri Mar 01, 2013 2:54 pm
 
Forum: Investing - Theory, News & General
Topic: Active vs. passive debate question (Hedge Funds)
Replies: 38
Views: 2324

Re: Thinking of switching from VG 2040 to this AA, Good idea

Kevin M wrote:Somewhat moot since you've already pulled the trigger, but here is my attempt to summarize the debate regarding the total market approach vs. the slice and dice approach: Lumpers vs. Splitters.

Kevin

Yup the splitter argument is what caused the change.
by Yanksin2013
Wed Feb 20, 2013 6:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thinking of switching from VG 2040 to this AA, Good idea?
Replies: 14
Views: 1167

Re: Thinking of switching from VG 2040 to this AA, Good idea

I think you can simplify by starting with the Total Stock Market and overweighting small and value. In other words, forget about the large value tilt. Instead, do something like this: VTSMX-20%--Vanguard Total Stock Market Index Fund VISVX-20%--Vanguard Small-Cap Value Index Fund VGSIX-10%--Vanguar...
by Yanksin2013
Wed Feb 20, 2013 6:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thinking of switching from VG 2040 to this AA, Good idea?
Replies: 14
Views: 1167

Re: Thinking of switching from VG 2040 to this AA, Good idea

Your portfolio is similar to mine (although I overweight emerging markets as well). You need to recognize that you are taking an extra risk by overweighting small-cap and value; you may be rewarded for that risk, but if you don't want to take the extra risk, you might use a slice-and-dice portfolio...
by Yanksin2013
Wed Feb 20, 2013 5:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thinking of switching from VG 2040 to this AA, Good idea?
Replies: 14
Views: 1167

Re: Thinking of switching from VG 2040 to this AA, Good idea

For those who haven't memorized the ticker symbols: VTSMX-20%--Vanguard Total Stock Market Index Fund VIVAX-10%--Vanguard Value Index Fund VISVX-10%--Vanguard Small-Cap Value Index Fund VGSIX-10%--Vanguard REIT Index Fund VBMFX-10%--Vanguard Total Bond Index Fund VGTSX-20%--Vanguard Total Internati...
by Yanksin2013
Wed Feb 20, 2013 5:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thinking of switching from VG 2040 to this AA, Good idea?
Replies: 14
Views: 1167

Re: One of Jim Cramer's Cardinal Rules of investing

sometimesinvestor wrote:To be fair to Cramer the quote is a bit out of context and the bulk of the article emphasizes not worrying about the short term.

You are correct I just find it funny that anyone would ever consider that a "cardinal rule"
by Yanksin2013
Wed Feb 20, 2013 11:49 am
 
Forum: Investing - Theory, News & General
Topic: One of Jim Cramer's Cardinal Rules of investing
Replies: 5
Views: 862

One of Jim Cramer's Cardinal Rules of investing

I just read this article by Cramer on MSN and one quote in particular made me laugh. Just wanted to share "We own it for ActionAlertsPlus -- and here I was, so excited about the coming break-up into the fast -growing Fox entertainment properties and the slower-growing publishing enterprise, tha...
by Yanksin2013
Wed Feb 20, 2013 11:31 am
 
Forum: Investing - Theory, News & General
Topic: One of Jim Cramer's Cardinal Rules of investing
Replies: 5
Views: 862

Re: How much do you expect your kids to pay for college?

I graduated college in 2011. I worked about 20 hours a week while in school, plus around 5 hours a week of volunteering and graduated with a respectable, if not spectacular GPA. I've had no trouble finding a job since. I worked on campus jobs while in school, which meant I got experience in a profe...
by Yanksin2013
Sat Feb 02, 2013 11:16 am
 
Forum: Personal Finance (Not Investing)
Topic: How much do you expect your kids to pay for college?
Replies: 237
Views: 13626

Re: Thinking of switching from VG 2040 to this AA, Good idea

Thanks for the responses, I went ahead and pulled the trigger yesterday and added a reit US SV US LV emerging and International small value. No idea if it's going to work out better than a three fund approach I guess I'll get the answer in 30 years but I did it on a small enough scale that it hopefu...
by Yanksin2013
Sat Feb 02, 2013 10:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Thinking of switching from VG 2040 to this AA, Good idea?
Replies: 14
Views: 1167

Thinking of switching from VG 2040 to this AA, Good idea?

I currently have all of my retirement funds in the 2040 vanguard target date fund, I was thinking of switching it to the following VTSMX-20% VIVAX-10% VISVX-10% VGSIX-10% VBMFX-10% VGTSX-20% VTRIX-10% VSS-10% I'm 40 yeras old roughly 25-30 years until I plan to retire. I would adjust the Stock/bond ...
by Yanksin2013
Thu Jan 31, 2013 3:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thinking of switching from VG 2040 to this AA, Good idea?
Replies: 14
Views: 1167

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