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Re: What's your average ER?

I've been able to get min down to .048 overall. Lots of individual TIPS & some CD's (all with no ER) helps to pull down Total US Stock Market (ER = .05) and Total Bond (FXSTX .07). :D

elgob
by elgob.bogle
Sun Mar 01, 2015 6:26 pm
 
Forum: Investing - Theory, News & General
Topic: What's your average ER? [Expense Ratio]
Replies: 98
Views: 4252

Re: Help planning Roth IRA Conversion

It might help if you listed assets in each account and their individual percent of portfolio.

elgob
by elgob.bogle
Sat Feb 28, 2015 7:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help planning Roth IRA Conversion
Replies: 4
Views: 417

Re: slice and dice question (fixed income)

Would take volumes to answer your question. Suggest that you see https://www.bogleheads.org/wiki/Category:Bonds and Larry Swedroe's "The Only Guide to a WIning Bond Strategy That Yo Will Ever Need".

elgob
by elgob.bogle
Sat Feb 28, 2015 6:37 am
 
Forum: Investing - Help with Personal Investments
Topic: slice and dice question (fixed income)
Replies: 10
Views: 658

Re: Which Bonds To Invest In?

Hi & Welcome to the Forum! Is either the 403B or the 401k account from an old employer? If so, I would move them to an IRA in order to provide more flexibility in bond offerings.

elllgob
by elgob.bogle
Thu Feb 26, 2015 10:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which Bonds To Invest In?
Replies: 9
Views: 1499

Re: old 401A options

When I retired, I had a 401a. Vanguard did all the work involved in rolling the funds into my IRA!

elgob
by elgob.bogle
Tue Feb 24, 2015 7:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: old 401A options
Replies: 3
Views: 186

Re: Moving to Cash?

Island asked: "I don't know much about Tips, brokered CDs, laddering strategies. Curious why these instead of bonds?" For me, ROTH space is precious, and I didn't want to be short of $$ when it came time to finish the rungs of my TIPS ladder. There is a rule of thumb that one shouldn't inv...
by elgob.bogle
Tue Feb 24, 2015 7:12 pm
 
Forum: Investing - Theory, News & General
Topic: Moving to Cash?
Replies: 24
Views: 1965

Re: Moving to Cash?

I am already retired. I did some hedging recently by purchasing new issue brokered CD's of 9, 12, 18 & 24 months, each lot of which will be enough to finish building my TIPS ladder as auctions come up. I chose brokered CD's for convenience, as the funds are in my ROTH IRA. They won;t pay much, a...
by elgob.bogle
Tue Feb 24, 2015 4:20 pm
 
Forum: Investing - Theory, News & General
Topic: Moving to Cash?
Replies: 24
Views: 1965

Re: Should I switch to the 3 fund portfolio?

Yes. (Optional) First create a Taxable Money Market Fund and then transfer your $$ into it. Then transfer the $$, in the case e.g. of a 3-fund portfolio, to Total International, Total US, and Intermediate Term Tax Exempt Municipal Bond Funds in the ratios that you have settle on (AA). Munis are usua...
by elgob.bogle
Fri Feb 20, 2015 8:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I switch to the 3 fund portfolio?
Replies: 23
Views: 3146

Re: Vanguard cd question [Brokered CDs]

Thanks to both of you for your replies. I'm thinking that I will exchange needed Treasury funds share for Money Market fund shares today and research the Brokered CD & Secondary TIPS options. Is it possible to loose principal if I purchase secondary TIPS and hold to maturity? Aren't fees associa...
by elgob.bogle
Mon Feb 09, 2015 9:44 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard cd question [Brokered CDs]
Replies: 51
Views: 7054

Re: Vanguard cd question [Brokered CDs]

I have enough $$ invested in Vanguard's Short-Term Treasury fund for the Jan & Apr, 2016 & 2017, 10 yr & 5 yr TIPS auctions. I wish that I would have sold shares and placed the proceeds into my ROTH Money Market account early last week when the bonds were priced $.05 higher than they wer...
by elgob.bogle
Sun Feb 08, 2015 10:42 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard cd question [Brokered CDs]
Replies: 51
Views: 7054

Re: Roth IRA conversion: confirm I'm approaching it correct

Go for it - now if possible. We can't discuss proposed legislation here - so I won't. However, it may be worthwhile for you to read these two articles: http://blog.aarp.org/2015/02/04/obama-budget-would-drastically-alter-ira-rules/ http://www.forbes.com/sites/jamiehopkins/2015/02/04/president-obamas...
by elgob.bogle
Wed Feb 04, 2015 7:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA conversion: confirm I'm approaching it correctly?
Replies: 9
Views: 627

Re: Help me find a topic/article to present to my class

Plenty of fresh topics here in the past week or so - just scroll down. IMO, you should pick something that you know little about, but would like to, and make this a learning assignment.

elgob
by elgob.bogle
Tue Feb 03, 2015 11:07 pm
 
Forum: Investing - Theory, News & General
Topic: Help me find a topic/article to present to my class
Replies: 8
Views: 504

Re: Approaching Roth IRA income limits

Would it be possible for your company to pay your bonus in 2016? If so, this might help you out.

elgob
by elgob.bogle
Tue Feb 03, 2015 7:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Approaching Roth IRA income limits
Replies: 15
Views: 1273

Re: My Traditional IRA conversion to Roth IRA dilemma

Hi & Welcome to the forum! One generally should only convert if using outside source money. You didn't mention where the tax money is coming from for the conversion.

elgob
by elgob.bogle
Mon Feb 02, 2015 11:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: My Traditional IRA conversion to Roth IRA dilemma
Replies: 34
Views: 2141

Re: Dividing investment between spouse's and own 401ks

delete - triplicate - PC Problems Here???
by elgob.bogle
Mon Feb 02, 2015 8:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dividing investment between spouse's and own 401ks
Replies: 4
Views: 304

Re: Dividing investment between spouse's and own 401ks

A Rule of Thumb: 1) Make enough 401k contributions to capture any match ( which amounts to 100% return) (2) Max-Out ROTH IRAs (3) Go back to 401k's, contributing all you can afford

elgob
by elgob.bogle
Mon Feb 02, 2015 8:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dividing investment between spouse's and own 401ks
Replies: 4
Views: 304

Re: Increasing Retirement Contributions 401k or Roth IRA?

A Rule of Thumb: 1) Make enough 401k contributions to capture any match ( which amounts to 100% return) (2) Max-Out ROTH IRAs (3) Go back to 401k's, contributing all you can afford

elgob
by elgob.bogle
Mon Feb 02, 2015 8:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Increasing Retirement Contributions 401k or Roth IRA?
Replies: 15
Views: 1389

Re: Retirement allocation

I'd be tempted to protect some of that fixed income $$ from unexpected inflation by building a TIPS bond ladder.

elgob
by elgob.bogle
Sun Feb 01, 2015 12:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Retirement allocation
Replies: 6
Views: 904

Re: Leave $ in State Retirement?

Consider that in Detroit/Michigan & elsewhere pensions are under funded and promised benefits have been adjusted downward to help make up the shortfalls - a precedent established in the courts. When I retired, i was faced with similar choices as you have. Considering that my small pension was no...
by elgob.bogle
Sun Feb 01, 2015 12:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Leave $ in State Retirement?
Replies: 8
Views: 680

Re: Combining LifeStragety Funds?

Hi! Welcome to the forum! It is hard to say what is going to happen with bonds, especially since Europe is just starting their QE program an our economy just his a winter rough patch again. If you are interested mostly in income with security, perhaps you could consider building a CD ladder, either ...
by elgob.bogle
Sat Jan 31, 2015 2:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Combining LifeStragety Funds?
Replies: 3
Views: 345

Re: New Option - Roth 401k

You two likely have 40-50 years of potential growth and dividends ahead of you in your lives. IMO - it would make sense to invest in a ROTH 401k. I suggest that you talk to your Human Resources Manager to see what conversions are possible.

elgob
by elgob.bogle
Sat Jan 31, 2015 2:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Option - Roth 401k
Replies: 8
Views: 748

Re: The lowest stock allocation you plan to stay with

If we've "won the game" (have accumulated 50 x estimated annual expenses) by the time wife retires in 5 years at age 65 (I'll be 72), we plan to downsize our equity position from 35% to 25% and hold at that level.

elgob
by elgob.bogle
Fri Jan 30, 2015 7:26 pm
 
Forum: Investing - Theory, News & General
Topic: The lowest stock allocation you plan to stay with
Replies: 79
Views: 4347

Re: Rolling over 401ks to IRA

Welcome to the Forum! Have you considered moving your account to vanguard? They will do all of the work for you. Also, is there a limit on the number of rollovers and/or transfers that you can do in any given year without incurring tax penalties?

elgob
by elgob.bogle
Fri Jan 30, 2015 7:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rolling over 401ks to IRA
Replies: 3
Views: 258

Re: Is it unusual to have NO index fund options in 403(b)?

You didn't mention if you and your spouse have ROTH IRA's. When faced with a similar problem a few years back, a friend used the $$ to fund both her husband's and her ROTH IRA's. She did not have a 403b match, so she didn't loose out on anything except the total amount she was able to put in tax adv...
by elgob.bogle
Fri Jan 30, 2015 2:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is it unusual to have NO index fund options in 403(b)?
Replies: 10
Views: 600

Re: Cheaper to rollover old 401k?

That $100/per year extra bumps your overall ER from .08 up to .63 suggests that you don't have a lot of $$ in the account - or am I missing something? Accordingly, I suggest that you roll it into your IRA.

elgob
by elgob.bogle
Fri Jan 30, 2015 2:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Cheaper to rollover old 401k?
Replies: 7
Views: 406

Re: Is now a bad time to buy a mutual fund?

Welcome to the Forum! Short Answer - Yes. Others may have a different opinion. Wife would invest in Spartan Total Market if it was available for her, instead she uses Spartan S&P 500:Spartan Extended Market Index at a 4:1 ration to emulate the Total market Fund.

elgob
by elgob.bogle
Fri Jan 30, 2015 2:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is now a bad time to buy a mutual fund?
Replies: 13
Views: 1229

Re: Mr. Bogle on CNBC today--International and Bonds

Thanks for the link. I have been tempted lately to move toward cap weighting. Having watched the video, I think I'll do nothing.

elgob
by elgob.bogle
Tue Jan 27, 2015 4:52 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Bogle on CNBC today--International and Bonds
Replies: 50
Views: 6435

Re: Too Many SpecIDs for Cost Basis. Good case to not reinve

That's what I did - all dividends go to MM fund which I can then use as i please. I have using the $$ from the MM fund for my annual ROTH IRA purchases.

elgob
by elgob.bogle
Tue Jan 27, 2015 4:44 pm
 
Forum: Investing - Theory, News & General
Topic: Too Many SpecIDs for Cost Basis. Good case to not reinvest?
Replies: 8
Views: 613

Re: TIPs, what do they really add

quote I think it was Rick Ferri who attributed the "take the risk on the stock side" end-quote

This sounds more like something Bill Bernstein or Larry Swedroe would have said. I seem to recall that Rick holds junk bonds in his portfolio.

elgob
by elgob.bogle
Sun Jan 25, 2015 5:39 pm
 
Forum: Investing - Theory, News & General
Topic: TIPs, what do they really add
Replies: 33
Views: 2900

Re: Poll: Principles of Boglehead Philosopy

I wonder what the results would have been if the listings were in some other order, e.g. alphabetically?? Seems to me that he ones at the top were favored heavily, and I suspect that some of that is due to their location on the selection list.

elgob
by elgob.bogle
Fri Jan 23, 2015 1:09 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Principles of Boglehead Philosophy
Replies: 68
Views: 3822

Re: Newly Married: budgets, loans, and investments oh my!

I think that you can consolidate some or all of your federal loans - if you wish.

elgob
by elgob.bogle
Tue Jan 20, 2015 7:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Newly Married: budgets, loans, and investments oh my!
Replies: 9
Views: 1002

Re: LMP TIPS ladder- Purchase at next week's auction?

FWIW, I already am retired and I am in the process of building a TIPS ladder. I have been purchasing 10 yr TIPS in January and 5 yr TIPS in April over the past two years, and I have already entered an order for this January's 10 yr TIPS auction. Continuing this purchasing strategy will allow me to b...
by elgob.bogle
Fri Jan 16, 2015 10:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: LMP TIPS ladder- Purchase at next week's auction?
Replies: 6
Views: 886

Vanguard now taking orders for 10yr TIPS

I was able to place my order for 10-year TIPs today (1-15-2015) at 12:15.

elgob
by elgob.bogle
Thu Jan 15, 2015 12:19 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard now taking orders for 10yr TIPS
Replies: 5
Views: 1407

Re: How do I protect my mutual fund accounts from hacking?

stan1 wrote: "Do not use Windows XP/Internet Explorer 8."

I concur - Microsoft no longer supports Windoze XP, and there may be hacking exploits that you cannot protect yourself from that are not possible with more recent Windoze operating systems. Time to upgrade!

elgob
by elgob.bogle
Fri Jan 02, 2015 11:46 pm
 
Forum: Investing - Theory, News & General
Topic: How do I protect my mutual fund accounts from hacking?
Replies: 44
Views: 2603

Re: Vanguard states ERs to 3 places!

On my account page, Vanguard reports individual TIPS prices to 3 decimal places but lists day-to-day changes to two decimal places. e.g price $101.297 change $0.87 change 0.87%

This is confusing!

elgob
by elgob.bogle
Fri Jan 02, 2015 11:35 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard states ERs to 3 places!
Replies: 26
Views: 2898

Re: 2015 BOGLEHEAD CONTEST REGISTRATION

2211.00

elgob.bogle
by elgob.bogle
Fri Jan 02, 2015 10:43 am
 
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEAD CONTEST REGISTRATION
Replies: 556
Views: 19930

Re: maximum 403b 2015 in 4 months

I did exactly what you are proposing with my 457b account during the 4 months prior to my May 2011 retirement. Spouse plans to to the same with her 401k when she retires. Since I am already retired, she plans to work until she maximizes ($23,000) her 401k plus earns an additional $13000 so we can pu...
by elgob.bogle
Tue Dec 30, 2014 9:07 am
 
Forum: Investing - Theory, News & General
Topic: maximum 403b 2015 in 4 months
Replies: 7
Views: 798

Re: Munis: intermediate vs. (intermediate plus limited)

I use my Municipal Bond fund to fund annual ROTH IRA ($13000). I will exhaust these funds in 4 years at about the time when spouse retires. I stick to the shortest Vanguard duration because of this need, coupled with the possibility that there may be an rate increase which may reduce the NAV when I ...
by elgob.bogle
Tue Dec 30, 2014 8:54 am
 
Forum: Investing - Theory, News & General
Topic: Munis: intermediate vs. (intermediate plus limited)
Replies: 10
Views: 1759

Re: What are your Financial New Year's Resolutions?

Stop peeking/updating spreadsheet so often

elgob
by elgob.bogle
Tue Dec 30, 2014 8:45 am
 
Forum: Personal Finance (Not Investing)
Topic: What are your Financial New Year's Resolutions?
Replies: 44
Views: 3330

Re: 403b AND 401k

Spouse originally had a 403b, for which new contributions were halted by employer when a 401k plan was established. Spouse cannot move 403b to 401k or to another location (e.g. Vanguard) until she retires. The mix of investments has always been the same for both plans. Recently with federal regulati...
by elgob.bogle
Sun Dec 28, 2014 8:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: 403b AND 401k
Replies: 3
Views: 613

Re: Int'l Value vs Int'l Small Caps?

FWIW - I think that the M* style box for VXUS is closely approximated by VEA:VSS:VWO at 3:1:1

elgob
by elgob.bogle
Sun Dec 28, 2014 7:51 pm
 
Forum: Investing - Theory, News & General
Topic: Int'l Value vs Int'l Small Caps?
Replies: 32
Views: 4072

Re: Asset Allocation Questions for Retirement Accounts

When I retired, I rolled both my 457b and my 401a into a Vanguard Rollover IRA. I just filled out a bit of paperwork and Vanguard did the rest for me. This has given me almost unlimited flexibility,lower fees, ownership in the funds, and a prospectus for each fund that I invest in. You might conside...
by elgob.bogle
Sun Dec 28, 2014 3:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Questions for Retirement Accounts
Replies: 4
Views: 492

Re: Roth IRA funds--should I make any changes?

Welcome to the forum. Yes - Exchange those expensive funds for low cost index funds. Recommend, as a start, that you plug in each of your funds with corresponding values, into the Morningstar X-ray Tool and compare the results, both individually and collectively, with a combination of Vanguard Total...
by elgob.bogle
Sat Dec 27, 2014 9:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA funds--should I make any changes?
Replies: 6
Views: 1005

Re: Introductory article on vice.com about retirement

Excellent summary article! Is the author, Lee Fang ("Thee Fang"), in reality Mr Bogle?

elgob
by elgob.bogle
Thu Dec 18, 2014 9:58 am
 
Forum: Investing - Theory, News & General
Topic: Introductory article on vice.com about retirement
Replies: 1
Views: 767

Re: Bogle: How Bond Indexing Could Be Better

Question: Didn't Mr Bogle develop Vanguard's TBM product? Question: If so, did he do it a a time when sovereign banks did not make large US Treasury bond purchases and sit on them like they are doing now? Question: If so, is he subtly carping about foreign governments skewing the composition of his ...
by elgob.bogle
Wed Dec 17, 2014 8:00 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle: How Bond Indexing Could Be Better
Replies: 14
Views: 1355

Re: Parking money for 10+ years & tax considerations

Individual 10-year TIPs auction coming up in mid-January

elgob
by elgob.bogle
Wed Dec 17, 2014 11:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Parking money for 10+ years & tax considerations
Replies: 13
Views: 1400

Re: Could it be worth using Roth even in a high tax bracket?

I think that right now, ROTH IRA's are the way to go regardless of one's tax bracket because: a) We are currently paying income taxes at a historically low rate; b) someone has to pay for all of the future domestic spending which implies to me the rates are likely to increase to some previous level;...
by elgob.bogle
Tue Dec 16, 2014 8:37 pm
 
Forum: Investing - Theory, News & General
Topic: Could it be worth using Roth even in a high tax bracket?
Replies: 37
Views: 2485

Re: [POLL] What Fixed Income Assets Do You Use?

I would be in intermediate treasuries also, except that the duration exceeds the time frame during which I will use the ST Treasuries to purchase more indiviudal TIPS for my ladder. Eventually, I'll likely have all TIPS in a ladder and no ST Treasuries.

elgob
by elgob.bogle
Tue Dec 16, 2014 1:02 pm
 
Forum: Investing - Theory, News & General
Topic: [POLL] What Fixed Income Assets Do You Use?
Replies: 37
Views: 1841

Re: Investment books I have read.

Swimirvine asked: "Any other Suggestions?"
"The Only Guide to a Winning Bond Strategy You'll Ever Need" By l. Swedroe & J. Hempen
"The Four Pillars of Investing" by W. Bernstein

elgob
by elgob.bogle
Tue Dec 16, 2014 9:44 am
 
Forum: Investing - Theory, News & General
Topic: Investment books I have read.
Replies: 32
Views: 4800
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