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Re: Mutual Fund Suggestions?

Welcome to Bogleheads. Unless you have a specific reason not to, then I'd go with the target date fund that matches your desired stock bond ratio. That might be the 2030 fund (double check this). As for the ML fund, check the math. With the high expense funds you might be better off paying 4% and ex...
by hoppy08520
Sun Jul 27, 2014 10:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mutual Fund Suggestions?
Replies: 4
Views: 231

Re: Portfolio Tune Up

Hi you might want to check out the Canadian sister site:

http://www.financialwisdomforum.org/

Many here aren't sure how to advise Canadian investors as there are little quirks that most yanks don't know about.
by hoppy08520
Sun Jul 27, 2014 8:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Tune Up
Replies: 3
Views: 491

Re: Mint.com--does not keep my accounts up to date

I've used Mint for 4 years and have had that problem here and there with some accounts. Lately my Vanguard account is a bit glitchy but it works. You can submit a support case and Mint might look into it. Good luck.
by hoppy08520
Sun Jul 27, 2014 8:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mint.com--does not keep my accounts up to date
Replies: 4
Views: 353

Re: Factor investing - A parody

Meh, I think it was Stlutz who did a small value parody some time ago that was much funnier. Definitely a classic. Sad that it was locked. The Final, Definitive Thead on Value I think it's time for The Final Definitive Thread on 100% Stock Portfolios . After reading a few of these threads per week,...
by hoppy08520
Sun Jul 27, 2014 4:23 pm
 
Forum: Investing - Theory, News & General
Topic: Factor investing - A parody
Replies: 22
Views: 1325

Re: "Best 401(K) Plans"

Here's a link to the article: Bloomberg: The Best 401(k)s: Retire at 60 From Conoco With $3.8 Million; Facebook Last Most of the emphasis was about employer matching but the actual quality of the funds and their expenses was barely mentioned. I wish the study and the commentary on the study gave mor...
by hoppy08520
Sun Jul 27, 2014 3:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bloomberg rates Large Company 401k plans
Replies: 22
Views: 2034

Re: Old people and financial advisors - a family tale

He uses the S&P 500 as his benchmark, which of course is wrong. Help me out here. Why is this wrong, and what would be a better one? Sorry, I should have explained that better. He benchmarks his whole portfolio against the s&p 500 even though he has multiple asset classes (stocks, bonds, sm...
by hoppy08520
Sun Jul 27, 2014 12:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Old people and financial advisors - a family tale
Replies: 66
Views: 3857

Re: Plan for my 401(k)... Seeking good advice

wkays04, welcome to the forum. I don't know much about Garret network, but I trust what Rick Ferri says about them: http://www.bogleheads.org/forum/viewtopic.php?t=62197. For your situation, I don't think you need to pay anyone. If all your retirement assets are in TSP, 401(k) and IRA, that makes th...
by hoppy08520
Sun Jul 27, 2014 12:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Plan for my 401(k)... Seeking good advice
Replies: 3
Views: 221

Re: Old people and financial advisors - a family tale

Sorry to say this type of behavior is not uncommon at any age. I have a friend who's been with Morgan Stanley for almost 20 years. He tells me about being taken to ball games and BBQs all paid for by his buddy, his advisor. When friends wife retired, she joined up with MS too, and in her second yea...
by hoppy08520
Sun Jul 27, 2014 11:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Old people and financial advisors - a family tale
Replies: 66
Views: 3857

Re: 401k question - 100% stocks?

Rob is right. It's actually quite amusing. If you put "100%" in the site search box and search, there are a loooot of threads. To save time, you can probably read just one of them because they all start to sound the same after a while. If you retitle your post to "401k question - 100%...
by hoppy08520
Sat Jul 26, 2014 10:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k question
Replies: 3
Views: 382

Re: How Should I Manage My 401k?

Did you select these funds? Or were they selected for you? Are you enrolled in any guided portfolio service or something similar in your 401k? 4. Why are you choosing any expensive funds, when you could choose cheap funds for the whole portfolio? Do the expensive funds really earn their keep? Why b...
by hoppy08520
Sat Jul 26, 2014 10:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: How Should I Manage My 401k?
Replies: 7
Views: 639

Re: Reaching Severe Burnout - Can I Scale Back Career?

I'm a survivor of scaling back my career, and I'm better off for it too. It was one of the best, and at the time most momentous, decisions of my life. I think you can too. It wouldn't surprise me if you're working harder than you have to or need to. I know that trait -- I have it too. I've always ha...
by hoppy08520
Sat Jul 26, 2014 8:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reaching Severe Burnout - Can I Scale Back Career?
Replies: 48
Views: 4968

Re: Best On-line Portfolio trackers

For backtesting, see Simba's backtesting spreadsheet , one of the great resources at Bogleheads. For tracking, I too use Google Sheets with GoogleFinance. I've tried others but I've found that the others are more passive -- they just tell you what you have. With my own spreadsheet, I can do what I w...
by hoppy08520
Sat Jul 26, 2014 7:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best On-line Portfolio trackers
Replies: 16
Views: 1391

Re: How Should I Manage My 401k?

Welcome to Bogleheads. If you're looking for a conventional, default Boglehead portfolio, then this is a good place to start: US Stocks - replicates total US stock market 40% Northern Trust CL S&P 500 Index 10% SSGA Russell Small Cap International Stock - developed and emerging markets 22% Black...
by hoppy08520
Sat Jul 26, 2014 6:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: How Should I Manage My 401k?
Replies: 7
Views: 639

Re: slowly turning Boglehead...help me with my next step

Dan, welcome to Bogleheads. It's hard to understand what you're proposing they way you've written this up. Could you break out by % instead of actual $ number? For your proposed portfolio, break about by Account and Fund with % for each fund (all the % should add up to 100% for entire portfolio, not...
by hoppy08520
Sat Jul 26, 2014 1:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: slowly turning Boglehead...help me with my next step
Replies: 8
Views: 898

Re: Double check our new portfolio - easy math inside!

Looks good to me, but.... ...since you have only one fund in each account, rebalancing in the future when your AA drifts on account of new contributions and market changes will be, well, impossible as long as you have only one fund per account. So, you can do this today, but you'll probably need to ...
by hoppy08520
Sat Jul 26, 2014 12:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Double check our new portfolio - easy math inside!
Replies: 2
Views: 537

Re: Better to not rollover 401k to IRA for better protection

Does anyone know khow how to do a reverse - rollover IRA into a 401k? Seems if the fund offering are decent, then this is the best way to go? This is very common. Most 401(k) plans are eager to do this because they want more money in the plan (that's how they make money). When you get to your new j...
by hoppy08520
Sat Jul 26, 2014 10:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Better to not rollover 401k to IRA for better protection?
Replies: 16
Views: 947

Re: Better to not rollover 401k to IRA for better protection

As I understand, regular IRAs are protected from creditors up to about $1M (I believe this amount is increased each year to keep pace with inflation), and rollover IRAs funded exclusively with 401k assets have unlimited protection. However, I can't point to definite sources. Any experts able to fil...
by hoppy08520
Sat Jul 26, 2014 10:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Better to not rollover 401k to IRA for better protection?
Replies: 16
Views: 947

Re: Young investor blending SUBH and Minimized Fat Tails?

How do you do backdoor Roth IRA with your traditional rollover IRA? Also, at your high tax rate, why Roth 401(k) instead of Traditional?
by hoppy08520
Sat Jul 26, 2014 9:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Young investor blending SUBH and Minimized Fat Tails?
Replies: 15
Views: 978

Re: Better to not rollover 401k to IRA for better protection

This seems to be a murky area and it's hard to find anything definitive. First, it seems there are two levels of the law. One is bankruptcy. With bankruptcy, it seems that rollover IRAs have many/most protection from creditors. For non-bankruptcy creditors, however, it's more vague (from what I can ...
by hoppy08520
Sat Jul 26, 2014 8:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Better to not rollover 401k to IRA for better protection?
Replies: 16
Views: 947

Re: Portfolio Help- Vanguard, looking to clean up

Welcome to Bogleheads. 1) Am I better off putting all of my assets into a Vanguard Target Retirement Fund (VFORX) or doing a 3- 4 fund portfolio and re-balancing quarterly? Part of this depends on what you'll have in your 401(k) next year, but for people who have most/all of their assets in tax-adva...
by hoppy08520
Thu Jul 24, 2014 8:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help- Vanguard, looking to clean up
Replies: 3
Views: 468

Re: TSP or Vanguard IRAs

Peter, welcome to Bogleheads. I understand that the monthly payments from the TSP can go directly to a Vanguard IRA, which would then allow you to withdraw from individual funds within that IRA. I want to keep the G Fund and the lower expenses of the TSP, and the flexibility and fund options of Vang...
by hoppy08520
Thu Jul 24, 2014 8:39 am
 
Forum: Investing - Help with Personal Investments
Topic: TSP or Vanguard IRAs
Replies: 23
Views: 3015

Re: TSP Questions: (ROTH or Traditional)?

Assuming he will be earning more as he is employed for longer, it may make sense to put a significant amount into Roth investments, to the extent he qualifies. S has been employed for 3 years now and is using the TSP Roth account for his withholdings. He is a federal employee and likes to contribut...
by hoppy08520
Tue Jul 22, 2014 11:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: TSP Questions: (ROTH or Traditional)?
Replies: 10
Views: 1096

Re: Slice and Dicers -- Plans when you can't manage it anymo

My wife hates this conversation, but we've had it and she understands what to do if I die. I have a s&d portfolio but I wouldn't expect my wife to carry that on. I put together a simple non-s&d portfolio template should I die that includes the life insurance payout in taxable as well as what...
by hoppy08520
Tue Jul 22, 2014 10:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Slice and Dicers -- Plans when you can't manage it anymore?
Replies: 38
Views: 2229

Re: Can it be wrong to be too risk averse?

Trying to measure your brother along some risk-aversion continuum is too simplistic. There are multiple types of risk. Some people are so afraid of risking their nominal principal that they will take on inflation risk. People often don't acknowledge that they are trading one sort of risk for another...
by hoppy08520
Tue Jul 22, 2014 8:37 am
 
Forum: Investing - Theory, News & General
Topic: Can it be wrong to be too risk averse?
Replies: 49
Views: 2304

Re: Divesting Stock with Sentimental Value

I inherited individual stocks and it has enormous sentimental value to me. One of the companies my grandfather passed the stock to my father, who worked at the company 35 years, and I went to his retirement. The company is also where I was born, and my home where I grew up. I cannot imagine selling...
by hoppy08520
Sun Jul 20, 2014 10:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Divesting Stock with Sentimental Value
Replies: 39
Views: 1869

Re: TSP or Vanguard IRAs

The problem I have with TSP is with the monthly withdrawal system, not being able to withdraw from individual funds (I would like to make withdrawals from my G fund only). I haven't heard others talking about this. Actually, the TSP's restrictive withdrawal rules are a common complaint here. For ex...
by hoppy08520
Sun Jul 20, 2014 9:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: TSP or Vanguard IRAs
Replies: 23
Views: 3015

Re: how often do you look at your account

when it is going up I look all of the time. In the other direction, I tend to watch more sports. LOL, funny.... but me 2. Same here. I have an old spreadsheet where I keep track of my balances. I used to update almost every weekend. But I noticed that around 2008/2009, there were gaps of multiple m...
by hoppy08520
Sun Jul 20, 2014 8:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: how often do you look at your account
Replies: 70
Views: 3572

Re: TSP vs Vanguard

Finsfan, for what it's worth, Fidelity Freedom funds are even slightly more aggressive than Vanguard's. If you look at the TSP Lifecycle wiki page, there are some charts in the page. If you look at the 2nd tab of the chart, you'll see a "glide path" comparison of the TSP funds to the Vangu...
by hoppy08520
Sun Jul 20, 2014 8:05 pm
 
Forum: Investing - Theory, News & General
Topic: TSP vs Vanguard
Replies: 10
Views: 1154

Re: Can't decide to keep 401k with previous employer or move

There is a wiki page about this with a lot of good information and links: http://www.bogleheads.org/wiki/401(k) (I can't get this link to work...it needs to be URL-encoded and the forum software seems to be giving me a hard time with this...) I would not transfer to a rollover IRA, you ruin the pros...
by hoppy08520
Sun Jul 20, 2014 3:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can't decide to keep 401k with previous employer or move
Replies: 29
Views: 2346

Re: Do you "Tax Adjust" your Asset Allocation (Pre vs Roth,

I voted 50/50, but that's partly because the way my accounts are configured, the theoretical tax-adjusted AA is about the same. I suppose that one who has all their bonds in tax-advantaged and all/most of their stocks in taxable might think a little differently. There's a wiki page on this btw: http...
by hoppy08520
Sun Jul 20, 2014 3:01 pm
 
Forum: Investing - Theory, News & General
Topic: Do you "Tax Adjust" your Asset Allocation (Pre vs Roth, etc)
Replies: 77
Views: 3631

Re: Millennials (with jobs) are super-saving their retiremen

I don't consider 8% to be super saving, but I'm glad to see a study that gives hope to millenials. Just curious at what percentage Bogleheads would consider "super saving?" I'm a millenial and my reasons for aggressively saving is a combination of stumbling across the Bogleheads philosoph...
by hoppy08520
Sat Jul 19, 2014 7:22 pm
 
Forum: Investing - Theory, News & General
Topic: Millennials (with jobs) are super-saving their retirement
Replies: 65
Views: 9173

Re: The ultimate Boglehead exercise

you no longer need to carve out extra time to exercise. You just have to carve out extra time for your longer commute. :) Well, that certainly depends on your route and distance from work. I have some colleagues with 30+ mile commutes and I wouldn't bike their route! I'm fortunate because my bike r...
by hoppy08520
Sat Jul 19, 2014 6:19 pm
 
Forum: Personal Consumer Issues
Topic: The ultimate Boglehead exercise
Replies: 30
Views: 3755

Re: What is the best HSA bank?

This topic comes up a lot. You might want to look at the wiki page for some tips and search the archives, but check the date of the postings because it seems new HSAs come up a lot.
by hoppy08520
Sat Jul 19, 2014 6:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: What is the best HSA bank?
Replies: 1
Views: 376

Re: Never done my taxes before (help with VTIAX)

I think the others answered this pretty well, but I too have Vanguard Total International in a taxable account. I got a 1099-DIV from Vanguard in January of this year. In Box 6 (foreign tax paid) it had the foreign tax that I paid (not directly of course but through the fund). I entered that amount ...
by hoppy08520
Sat Jul 19, 2014 6:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Never done my taxes before (help with VTIAX)
Replies: 6
Views: 697

Re: The ultimate Boglehead exercise

The ultimate Boglehead is bicycling , especially biking to work instead of driving, because not only is it good exercise, but you save a lot of money. :moneybag In addition to saving money, a Boglehead likes bike commuting because it's so efficient: you exercise while simultaneoulsy commuting to wor...
by hoppy08520
Sat Jul 19, 2014 6:02 pm
 
Forum: Personal Consumer Issues
Topic: The ultimate Boglehead exercise
Replies: 30
Views: 3755

Re: Parents are behind. Total asset allocation advice (56 &

A 4% SWR on $300K is $12K annually. Add in another $12K from rental income and $10,800 from pension, that's $35K annually not including Social Security. Let's guess your Dad will get $12K annually from Social Security and your mom around half of that. Altogether that's $53K annually. Not that bad, ...
by hoppy08520
Thu Jul 17, 2014 6:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Parents are behind. Total asset allocation advice (56 & 51)?
Replies: 26
Views: 3466

Re: Teacher Considering Career Change

MassInvestor, sorry about your predicament but I hope this turns into the old "one door closes, another opens" opportunity for you. I feel like after all you did to become a teacher, you owe it to yourself to try one more year at one more school. One more year in a different school won't t...
by hoppy08520
Wed Jul 16, 2014 9:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Teacher Considering Career Change
Replies: 49
Views: 3520

Re: Just retired...any reason to move 401K to IRA?

I got my 401k rolled over into Vanguard as a IRA . Then I was able to gain access to the correct asset classes for my investing goals. That was my reason for moving it. The cost of investing at Vanguard was and is so low compared to others. I couldn't resist the Boglehead desire to save on expenses...
by hoppy08520
Wed Jul 16, 2014 3:00 pm
 
Forum: Investing - Theory, News & General
Topic: Just retired...any reason to move 401K to IRA?
Replies: 50
Views: 4878

Re: Just retired...any reason to move 401K to IRA?

FYI, this excellent article from Money magazine is now online: Why is rolling over my 401(k) such a big deal? As referenced above, the July issue of Money Magazine (just arrived in my mailbox) has a cover story on this issue titled: "The one retirement move you must get right." Might be wo...
by hoppy08520
Wed Jul 16, 2014 1:39 pm
 
Forum: Investing - Theory, News & General
Topic: Just retired...any reason to move 401K to IRA?
Replies: 50
Views: 4878

Re: Persistence of SV performance

Leif Suggest you read Reducing the Risk of Black Swans Larry Larry, This is an example of what I perceive as a conflict of interest. I do not mean that as being something negative, but it is a fact that you are the author of the book. Normally, authors have a personal monetary interest in selling m...
by hoppy08520
Wed Jul 16, 2014 10:16 am
 
Forum: Investing - Theory, News & General
Topic: Persistence of SV performance
Replies: 71
Views: 3823

Re: Persistence of SV performance

The CRSP Small Value and Growth Indexes have data going back to July 2001. Annualized return July 2001 through June 2014: CRSP Small Value: 11.6% CRSP Small Growth: 8.7% Thanks for this info. I was curious about how a Total Stock Market fund did over that same period. I looked this up in M* and the...
by hoppy08520
Tue Jul 15, 2014 9:47 am
 
Forum: Investing - Theory, News & General
Topic: Persistence of SV performance
Replies: 71
Views: 3823

Re: If you had $100K how would you invest it?

Thanks for all the "friendly" advice. I will go read some more and ask a more intelligent question next time. :oops: <friendly>As I wrote in my reply, if you can provide more direction (see "Asking Portfolio Questions" sticky thread at the top of this sub forum) then more person...
by hoppy08520
Tue Jul 15, 2014 8:06 am
 
Forum: Investing - Help with Personal Investments
Topic: If you had $100K how would you invest it?
Replies: 10
Views: 2212

Re: Approximating 3-fund portfolio with limited Spartan fund

koko, welcome to Bogleheads. I think you've figured it out and I don't see anything hiding in your 401(k) plan that you didn't see either. I'd go with your modified 3(5) fund plan. Down the road, once you have your Roth IRA going, you might be able to hold Vanguard's total international stock market...
by hoppy08520
Mon Jul 14, 2014 8:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Approximating 3-fund portfolio with limited Spartan funds
Replies: 5
Views: 971

Re: Another reason I am my own advisor

Indeed. Very sad. FYI this was discussed in another thread a few weeks ago.

viewtopic.php?f=10&t=141310
by hoppy08520
Mon Jul 14, 2014 7:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Another reason I am my own advisor
Replies: 15
Views: 3731

Re: If you had $100K how would you invest it?

Welcome to Bogleheads. We can't answer until some bigger picture details are first provided, in particular what is your desired asset allocation? This is almost like someone asking "what should I order?" at a diner with a 40-page menu unless we know what kind of food you like. Once you can...
by hoppy08520
Mon Jul 14, 2014 6:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: If you had $100K how would you invest it?
Replies: 10
Views: 2212

Re: Help with fund picks for a new guy.

Dave's "12%" thing is very misleading because he is talking about "average annual returns" of the stock market when what matters is " average annual ized returns" and it's what I'd expect from someone trying to sell commission-based investment products (which he is). Ta...
by hoppy08520
Mon Jul 14, 2014 6:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with fund picks for a new guy.
Replies: 19
Views: 1761

Re: Help with fund picks for a new guy.

DaveRamseyfan, welcome to Bogleheads. Dave gets discussed here a lot and it generates some intense debate, but I wouldn't say he's "profanity" here. People like his stay-out-of-debt message but his investing advice and boasts don't score well here. You can search the archives and read for ...
by hoppy08520
Mon Jul 14, 2014 5:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with fund picks for a new guy.
Replies: 19
Views: 1761

Re: Persistence of SV performance

And here again are those lifetime to date returns for actual Vanguard index funds: Large Growth (VIGRX) : 9.28% Large Value (VIVAX): 9.59% Small Growth (VISGX): 8.95% Small Value (VISVX): 8.95% With persistence like this, who needs randomness? FWIW someone named "ROSS" asked the same ques...
by hoppy08520
Mon Jul 14, 2014 5:12 pm
 
Forum: Investing - Theory, News & General
Topic: Persistence of SV performance
Replies: 71
Views: 3823
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