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Re: Just started residency, need some portfolio advice

Hi guys, Just thought I'd post an update on my portfolio status. I think I'm in a little bit of a rut right now with too much international in my portfolio. Trying to decide what best to go with next: Emergency funds: $10k Debt: $300k, interest rates vary between 6.8% and 7.9%. I anticipate a couple...
by brokemedstudent
Sun Apr 20, 2014 6:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just started residency, need some portfolio advice
Replies: 10
Views: 1192

Re: Just started residency, need some portfolio advice

Your proposed allocation looks good. What's preventing you from switching from your actual (heavy overweight in two individual stocks) to your proposed allocation now? I suppose I could free it up to add to my Roth IRA, but at Vanguard the funds I would want require $3k minimum investments and I ca...
by brokemedstudent
Mon Jul 01, 2013 7:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just started residency, need some portfolio advice
Replies: 10
Views: 1192

Just started residency, need some portfolio advice

Hi everyone, I just started pediatric residency and have been offered to participate in my hospital's 403b plan. I was hoping to receive some guidance from fellow Bogleheads, as I still have some questions after reading the Bogleheads' Guide to Investing and All About Asset Allocation books. Emergen...
by brokemedstudent
Sun Jun 30, 2013 10:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just started residency, need some portfolio advice
Replies: 10
Views: 1192

Re: Long term? A look at DJIA 5/26/96 - 1896

No, but I am curious if anyone inherited GE stock from way way back in the day.
by brokemedstudent
Sun May 26, 2013 10:23 pm
 
Forum: Investing - Theory, News & General
Topic: Long term? A look at DJIA 5/26/96 - 1896
Replies: 6
Views: 746

Re: Term Life Insurance

I'm considering buying term life insurance now as well, as I am a few weeks away from starting residency and have the time to get my life organized. I read White Coat Investor's entry about shopping for life insurance but had a couple lingering questions. 1) I'm 26, engaged, and have no dependents. ...
by brokemedstudent
Sat May 25, 2013 8:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance
Replies: 21
Views: 1690

Re: Just finished a draft of my IPS, critiques?

Great discussion guys :) If I go ahead and get life insurance right now, how much should I aiming for (especially since I have no dependents at the moment)? If I were to get a 30-year term policy, would I have the ability to add more coverage under the same policy as the years go by? I thought I'd g...
by brokemedstudent
Fri May 24, 2013 4:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just finished a draft of my IPS, critiques?
Replies: 38
Views: 2431

Re: Just finished a draft of my IPS, critiques?

I will re-evaluate and rebalance my asset allocation every 6 months, with each asset class staying within 5% of its target allocation. An alternative it so simply commit to an asset allocation and a clearly specified rebalancing procedure. Or, as an alternative, commit to an asset allocation schedu...
by brokemedstudent
Thu May 23, 2013 5:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just finished a draft of my IPS, critiques?
Replies: 38
Views: 2431

Re: Just finished a draft of my IPS, critiques?

For those of you who asked about it before, I am engaged (wedding currently aimed for 2015) and have no children. Congrats on your engagement! Since you will soon be married so you expect there might be someone at some point along the line who will be financially impacted by your passing, now is as...
by brokemedstudent
Thu May 23, 2013 3:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just finished a draft of my IPS, critiques?
Replies: 38
Views: 2431

Re: Just finished a draft of my IPS, critiques?

I'd suggest trying for a goal of being debt-free. You didn't mention anything about student loans so maybe you're starting out that way. You could consider having a more aggressive goal regarding a house in 10 years, possibly even being in position to purchase one outright around that time. Of cour...
by brokemedstudent
Thu May 23, 2013 7:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Just finished a draft of my IPS, critiques?
Replies: 38
Views: 2431

Re: Just finished a draft of my IPS, critiques?

Thanks for the advice everyone! I'll mull over a lot of these comments and make revisions where I can. Disability insurance ASAP. And get a 20-30 year term life insurance policy soon unless you are very sure you will never have dependents. I just applied for disability insurance with Guardian and I'...
by brokemedstudent
Thu May 23, 2013 7:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Just finished a draft of my IPS, critiques?
Replies: 38
Views: 2431

Re: Just finished a draft of my IPS, critiques?

As I am new on the forum I will refrain from commenting on the specifics of your IPS. I will, however, congratulate you on finding your way to the Bogleheads at such a young age, and to what I feel is a very sensible way to go about managing this very important aspect of your life. If I may paraphr...
by brokemedstudent
Wed May 22, 2013 9:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just finished a draft of my IPS, critiques?
Replies: 38
Views: 2431

Re: Just finished a draft of my IPS, critiques?

Ok, here goes nothing I guess. Just to set it up for you, I'm a 26 year-old med school graduate starting residency next month. I hope this plan isn't too aggressive/ambitious. Investment Goals & Objectives: 1) Be financially independent by age 65. 2) Strive to allocate funds in a way that minimi...
by brokemedstudent
Wed May 22, 2013 8:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just finished a draft of my IPS, critiques?
Replies: 38
Views: 2431

Just finished a draft of my IPS, critiques?

Rather than posting my IPS here for anyone to see, I was curious if there are any people on the forums who wouldn't mind reading my IPS and providing comments or suggestions. Is there a list of users who volunteer their time doing this?
by brokemedstudent
Wed May 22, 2013 8:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just finished a draft of my IPS, critiques?
Replies: 38
Views: 2431

Re: Bond allocation for someone in their 20's

Reinvestment, I don't anticipate using them for income for now. I suspect you think of dividends as some kind of free money. Dividends are not free money. When a stock pays you a dividend, it's value goes down to account for that so you don't actually have any more money than you had before the div...
by brokemedstudent
Sun May 12, 2013 1:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond allocation for someone in their 20's
Replies: 19
Views: 1240

Re: Bond allocation for someone in their 20's

Honestly I'd much prefer investing in individual dividend growth stocks in place of bonds right now, although I know most of you don't like that people sometimes use dividend stocks as replacements of bonds for yields. I already own shares of a couple companies (MCD, JNJ) in a taxable account. It i...
by brokemedstudent
Sun May 12, 2013 10:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond allocation for someone in their 20's
Replies: 19
Views: 1240

Re: Bond allocation for someone in their 20's

I'm 30 and don't hold any bonds. I won't hold any until interest rates go up significantly and even still not until I'm 45ish. LIke someone else mentioned use your roth space for International. Just ignore bonds for now cause you're in it for the longrun, so you can outlive any crashes that happen ...
by brokemedstudent
Sun May 12, 2013 9:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond allocation for someone in their 20's
Replies: 19
Views: 1240

Re: Bond allocation for someone in their 20's

I've been reading the Bogleheads Guide to Investing sections on bonds and I'm a little bewildered by which types of bonds or bond funds are most appropriate for me. I'm in my mid-20s, starting my first real job soon and have put together my asset allocation such that I aim for 20% bond allocation. ...
by brokemedstudent
Sat May 11, 2013 9:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond allocation for someone in their 20's
Replies: 19
Views: 1240

Bond allocation for someone in their 20's

I've been reading the Bogleheads Guide to Investing sections on bonds and I'm a little bewildered by which types of bonds or bond funds are most appropriate for me. I'm in my mid-20s, starting my first real job soon and have put together my asset allocation such that I aim for 20% bond allocation. W...
by brokemedstudent
Sat May 11, 2013 8:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond allocation for someone in their 20's
Replies: 19
Views: 1240

Re: Newbie with a couple investment questions

Not to sound morbid, but I will be getting help along the way in paying down that debt load through inheritances. Also, my parents have been helping me pay off accrued interest for now so that it doesn't capitalize. It's hard to say right now what the actual debt burden will be too because I plan on...
by brokemedstudent
Wed May 01, 2013 11:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie with a couple investment questions
Replies: 7
Views: 588

Re: Newbie with a couple investment questions

I actually didn't think about that, I'll probably bump up TSM to 20% and play with the numbers a little. I'm not too thrilled to be putting money into bonds at this time because interest rates are so low, and since I am on the younger side I feel like I can take on a little more risk with some blue-...
by brokemedstudent
Wed May 01, 2013 2:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie with a couple investment questions
Replies: 7
Views: 588

Re: Newbie with a couple investment questions

Thanks guys. With respect to my student loans, I am planning on doing the income-based repayment plan. This derives my expected monthly payments on the previous year's income, so because my income last year was nothing my loan payments for 2014 will essentially be negligible. And believe me, I am no...
by brokemedstudent
Wed May 01, 2013 12:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie with a couple investment questions
Replies: 7
Views: 588

Newbie with a couple investment questions

Hi all, I'm a graduating medical student who is about to start residency and I'm looking to open a Roth IRA. I had a couple questions I was hoping maybe you all could help me with. 1) My hospital offers a 403b retirement plan and matches 100% of the contributions I make up to 2% per year, but only a...
by brokemedstudent
Wed May 01, 2013 8:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Newbie with a couple investment questions
Replies: 7
Views: 588

Re: Mature Bogelheads: What did you wish you knew at 18 or 2

bowest wrote:Those tattoos are going to looks pretty silly in a few years.


Tell that to my friend who got a full back tattoo just months before her wedding...
by brokemedstudent
Tue Jun 26, 2012 1:44 pm
 
Forum: Investing - Theory, News & General
Topic: Mature Bogelheads: What did you wish you knew at 18 or 25?
Replies: 88
Views: 7542

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