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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: 372

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: 22
Views: 2814

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: 7
Views: 693

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: 2169

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: 2281

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: 1854

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: 22
Views: 2814

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: 3544

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: 1152

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: 2252

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: 3391

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: 9127

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: 3630

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: 375

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: 693

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: 3630

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: 3435

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: 3416

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: 4844

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: 4844

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: 3792

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: 3792

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: 2206

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: 960

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: 3726

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: 2206

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: 1750

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: 1750

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: 3792

Re: IPS Review/Thoughts?

Congrats on the accomplishment! I like how Larry Swedroe thinks about asset allocation (AA) of stocks and bonds. If you read his book The Only Guide to a Winning Investment Strategy You'll Ever Need: The Way Smart Money Invests Today , he talks about AA coming down to 3 components: your need, willin...
by hoppy08520
Mon Jul 14, 2014 5:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: IPS Review/Thoughts?
Replies: 4
Views: 364

Re: Thoughts on 100% stock allocation for 33 year old

I'm 30 and my husband is 36 and we have 95% in stocks....The problem is our retirement accounts don't offer good bond funds, and bonds look poised to do nothing or decrease in value over the next 2 decades or so. Plus we have a lot of cash reserves so it's easier to justify the risk. Meg, good insi...
by hoppy08520
Mon Jul 14, 2014 1:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thoughts on 100% stock allocation for 33 year old
Replies: 85
Views: 6148

Re: Thoughts on 100% stock allocation for 33 year old

It's 1929. You have 1million saved. Market drops 89%. Result 110000. What do you do? What do you do? Bill, here's one answer to your question. Taylor Larimore wrote a compelling post in a small thread ( Is There Need for Plan 'C' (Inverse of Plan B)? )that didn't get a lot of views, but it deserves...
by hoppy08520
Mon Jul 14, 2014 11:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Thoughts on 100% stock allocation for 33 year old
Replies: 85
Views: 6148

Re: Thoughts on 100% stock allocation for 33 year old

Actually, assuming you have $100,000 starting and you portfolio grows at 10% per year and another grows at 8.5% and you contribute $10,000 in addition each year.... After 25 years, one would be at $2mil and one would be at $1.5mil So it is an extra 30% in size.. What if, in Year 26, you have a 50% ...
by hoppy08520
Mon Jul 14, 2014 11:25 am
 
Forum: Investing - Help with Personal Investments
Topic: Thoughts on 100% stock allocation for 33 year old
Replies: 85
Views: 6148

Re: Thoughts on 100% stock allocation for 33 year old

Here is a graph of risk vs performance: "An Efficient Frontier: the power of diversification . Notice how even fairly small bond allocations greatly reduce risk, with only a little impact on expected gains. Actually, this graph can be a little misleading to someone that doesn't fully understan...
by hoppy08520
Sun Jul 13, 2014 7:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thoughts on 100% stock allocation for 33 year old
Replies: 85
Views: 6148

Re: 401(k) Portfolio Restructuring

So this is going to be the allocation I will be using for my 401(k). Nerdicus: Is your 401(k) your only investment account? It is usually important to consider all investments as one overall portfolio. Thank you and best wishes. Taylor Nerdicus posted a similar thread 2 days ago...apparently he doe...
by hoppy08520
Sun Jul 13, 2014 9:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard LifeStrategy Moderate Growth Fund through 401(k)
Replies: 35
Views: 2222

Re: What ONE investing book or article for skeptical sibling

My vote is 4 Pillars by Bernstein. Unfortunately the chance of a non-Boglehead making it to the end of this book is about 1 in 100 in my experience, and I believe Dr. Bernstein has complained about this also. I'd vote for The Boglehead's Guide to Investing based on the fact that the folks I've give...
by hoppy08520
Sun Jul 13, 2014 9:03 am
 
Forum: Investing - Theory, News & General
Topic: What ONE investing book or article for skeptical sibling?
Replies: 30
Views: 2863

Re: Safe 401k withdrawal rate?

You might want to read this wiki page: http://www.bogleheads.org/wiki/Safe_withdrawal_rates Given that you are planning to work 28 more years, I wouldn't worry about this too much. Who knows what things will look like in 28 years. If you an continue to save at your current rate, you should have no p...
by hoppy08520
Sun Jul 13, 2014 8:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Safe 401k withdrawal rate?
Replies: 5
Views: 869

Re: Helping Son start investing: What type of account to st

I'm not sure about the expat issues, but if you say your son is paying almost no taxes, then Roth IRA is definitely the way to go assuming that works with his tax/residency status. The maximum contribution for an IRA is $5,500 per year at his age. Beyond that, he could save/invest more in a taxable ...
by hoppy08520
Sun Jul 13, 2014 8:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Helping Son start investing: What type of account to start
Replies: 5
Views: 717

Re: Personal Portfolio Help - (Roth IRA, 401k, Taxable Accou

Is there any portion I you believe I should leave liquid based on some of my future plans, like marriage? There are different schools of thought about this. I'd say the consensus around here is to put your investments into buckets based on the expected time you'll need them. For very long-term inve...
by hoppy08520
Sat Jul 12, 2014 9:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Personal Portfolio Help - (Roth IRA, 401k, Taxable Accounts)
Replies: 5
Views: 775

Re: Review of Current Financial Plan/Situation

Chindsey, first of all, this is your portfolio (you and your wife) so don't do anything you're not comfortable with. I think what you have right now is fine, and the suggestions I made are, at best, marginal improvements. These changes might not make any difference in the long run. They might be bet...
by hoppy08520
Sat Jul 12, 2014 9:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Review of Current Financial Plan/Situation
Replies: 10
Views: 1649

Re: Personal Portfolio Help - (Roth IRA, 401k, Taxable Accou

UnderConstruction, welcome to Bogleheads. With that huge 67% stock position, it feels hard to advise you what to do with the rest of your portfolio until you get that sorted out and you're out of that holding pattern. The general advice here is to get that out of company stock as soon as you can and...
by hoppy08520
Sat Jul 12, 2014 8:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Personal Portfolio Help - (Roth IRA, 401k, Taxable Accounts)
Replies: 5
Views: 775

Re: Need Help with 401K Funds

Hello, for your situation, I'd consider going all target date funds in all accounts. It might not match your desired 75/25 US/International split, but it will be close. The Vanguard target date funds are 70/30 and the Blackrock Life Path funds seem to have more international at around 63/37. Given t...
by hoppy08520
Sat Jul 12, 2014 6:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Help with 401K Funds
Replies: 6
Views: 910

Re: WSJ article on overvalue and lower returns

U.S. stocks are overvalued—and have been for months. That is what six well-known measures of valuation show. While that doesn't mean a bear market is imminent, there is a high probability that investment returns over the next decade will be below average, according to Yale University economics prof...
by hoppy08520
Sat Jul 12, 2014 6:27 pm
 
Forum: Investing - Theory, News & General
Topic: WSJ article on overvalue and lower returns
Replies: 6
Views: 1424

Re: Review of Current Financial Plan/Situation

Here's one possibility. I don't know how realistic this is, as it would require selling the bond fund in your taxable account. This portfolio omits what you have in the MM savings account. Taxable 18% Vanguard Total International Stock Market Index Fund 21% Vanguard Total Stock Market Index Fund TSP...
by hoppy08520
Sat Jul 12, 2014 9:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Review of Current Financial Plan/Situation
Replies: 10
Views: 1649

Re: Kiplinger: Why You Should Avoid Most Bond Index Funds

Sorry if my post takes this thread off track, but I have a hard time taking Kiplinger's seriously. I write this as a former subscriber. I happened to be on a business trip this week and found the two most recent Kiplinger magazines in the hotel lobby, so with some extra time on my hands, I read each...
by hoppy08520
Sat Jul 12, 2014 9:18 am
 
Forum: Investing - Theory, News & General
Topic: Kiplinger: Why You Should Avoid Most Bond Index Funds
Replies: 32
Views: 6387

Re: Portfolio allocation question - Core Four using TSP and

Wayson, welcome to Bogleheads. As you note, over time your TSP will become a bigger and bigger slice of your bigger portfolio pie, which could make it hard to hold your preferred asset allocation. This is a common snag that many people here with large 401(k)-type accounts have, where they have to wo...
by hoppy08520
Sat Jul 12, 2014 8:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio allocation question - Core Four using TSP and IRA
Replies: 10
Views: 1398

Re: Portfolio Review

OriolesFan4Life, welcome to the forum. In your 401(k), rather than contributing to the 500-index fund, can you contribute to those 3 BlackRock funds? Blackrock Stock Index Fund (tracks S&P 500) – 70% allocation (.01% expense) Blackrock Bond Index Fund (tracks Barclays U.S. Aggregate Bond Index) ...
by hoppy08520
Thu Jul 10, 2014 4:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 4
Views: 626

Re: Cannot qualify for physician disability insurance.

Observation from a non-physician - I suspect that so few employed individuals purchase disability insurance is that most are probably employed by corporations or organizations that provide coverage to employees. I suspect that a great many physicians are not covered by employer plans. My guess is t...
by hoppy08520
Sun Jul 06, 2014 1:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cannot qualify for physician disability insurance.
Replies: 30
Views: 2341

Re: ERISA and rollover IRA

See this wiki page: http://www.bogleheads.org/wiki/Asset_protection It seems that an IRA rolled over from an ERISA plan has some bankruptcy protection but they are not as protected from other types of creditors as are ERISA plans, and it can vary state by state. I researched this myself a while ago ...
by hoppy08520
Sat Jul 05, 2014 4:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: ERISA and rollover IRA
Replies: 5
Views: 390
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