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I just received notification that Harbor Funds parent company, Harbor Capital Advisors, Inc. is expected to be sold (90% plus one share) to ORIX. The Harbor Bond Fund is 10% of my portfolio and the paperwork assures me that "the transaction should not affect my account". The 72 page notice...

Pingo: My sincerest thanks for your guidance in simplifying and lowering the costs of my portfolio. 1. Best news: I am down to 11 retirement funds and I still have wonderful diversification. All my funds at Vanguard are now Admiral! 2. Your “big picture” analysis allows me to exploit the lower ER in...

Pingo, I edited/corrected my original post: the ER discrepancy listed for Harbor (HABDX); it should have been .57% (not .85%), IL tax rate at 5% (not 6%), the name for Vanguard’s International fund (No longer All-World), the yearly 401k contribution including the company portion as a dollar amount. ...

It is always a wonderment to have total strangers give you a helping hand. Livesoft, Thanks for looking over the annual report and for your evaluation. The value of the plan assets was close to 10M (9.6M) with 97 participants. I am grateful to have a trained eye do a once over. Hoppy, Re: Loomis v. ...

Three years back, I consulted your members for help putting our retirement portfolio on track. I am forever grateful for that assistance. That experience gave me a new sense of confidence in my abilities to manage our retirement money. I am no longer plagued with a constant worry that I am going to ...

I just received my company's 401k Fee Comparison & Investment Returns from Putnam which "was designed to meet the participant fee disclosure regulations of the United States Department of Labor (DOL)". I need some help deciphering the discrepancy in returns between the fund and benchma...

Picked my finished taxes up today and wrote a check for $295.

Dear Valuethinker & Doc, Thanks for the pep talk and your impressions of the fund manager's expertise. I did take your advice and pulled out the prospectus I had (July 2008) and realized it was probably outdated. I searched out a more recent copy on the Pimco website. They had a Summary Prospect...

I have recently did a major overhaul of my retirement portfolio with the assitance of very generous help from your forum. The lowest cost bond fund in my husband's 401k was PIMCO Total Return (PTRAX)(.71) which seemed the obvious choice. Actually, we already had it as part of our original portfolio,...

I would appreciate any advice from those that hold a small cap international fund and what their current % of their total international allocation is and why they choose that percentage. I currently have 17% VFSVX as part of my international holdings. Would like to have some input before adjusting u...

Dear Ms. Larimore, Thank you for the aid you provided with my S&D retirement funds and please forgive my slow response. Your help will no doubt be of great benefit to my husband and I. Finding the time to reflect on such momentous decisions is always been difficult for me. After correcting for m...

Greetings Bogleheads, I would greatly appreciate your input to simplify my hodge-podge retirement investments. It has spun out of control over the years as I added new funds without a plan in mind. I would like to lower my ER costs and lessen the number of funds to manage. Emergency Fund: 2 years -V...

Thanks so much for the help. I thought so, but appreciate the confirmation.

I was hoping for direction on making the most of our retirement accounts for 2008. For years my husband and I have maxed out his 401k and made the maximum contribution to a traditional IRA for myself (sometimes referred to as a spousal IRA). We had planned to open his first Roth IRA for 2008. Will o...