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Re: New Investor- Am I making sound investments?

Megan, welcome to Bogleheads. It looks like you're off to a good start. I can see rolling over your old 401(k) into an IRA as the other responder wrote, and put it in Target Date 2050. If you have more to invest right now, then I'd recommend a mix of Vanguard Total Stock and Vanguard Total Internati...
by hoppy08520
Wed Aug 20, 2014 9:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Investor- Am I making sound investments?
Replies: 9
Views: 1011

Re: How the rich stay/get richer??

I don't think this has anything to do with dividends or principal per se. What you're describing is just anther entry in the total return vs dividend investing debate. See Larry Swedore's column: Dividends And Behavioral Econ Yes, I remember that article and I understand that when dividends are pai...
by hoppy08520
Tue Aug 19, 2014 10:31 pm
 
Forum: Investing - Theory, News & General
Topic: [live off dividends?] How the rich stay/get richer??
Replies: 62
Views: 4789

Re: How the rich stay/get richer??

I don't think this has anything to do with dividends or principal per se. What you're describing is just anther entry in the total return vs dividend investing debate.

See Larry Swedore's column: Dividends And Behavioral Econ
by hoppy08520
Tue Aug 19, 2014 9:59 pm
 
Forum: Investing - Theory, News & General
Topic: [live off dividends?] How the rich stay/get richer??
Replies: 62
Views: 4789

Re: Bad(?) advice given about Target Date Retirement funds

Currently, the wiki page on TDF says this: When choosing a fund, the Bogleheads recommendation is to ignore the fund's date. Instead, determine the amount of risk the investor is willing to tolerate and work backwards to find a fund that matches the chosen stock/bond allocation. The investor may be ...
by hoppy08520
Tue Aug 19, 2014 9:38 pm
 
Forum: Investing - Theory, News & General
Topic: Bad(?) advice given about Target Date Retirement funds
Replies: 74
Views: 4789

Re: Bad(?) advice given about Target Date Retirement funds

Here's a column I did for M* back in 2009 on this very topic called "Fixing Target Date Funds". http://news.morningstar.com/articlenet/article.aspx?postId=2686718 Thanks for sharing that article, Mel. I don't remember having read it when it came out. I like your suggestions. I couldn't re...
by hoppy08520
Tue Aug 19, 2014 9:20 pm
 
Forum: Investing - Theory, News & General
Topic: Bad(?) advice given about Target Date Retirement funds
Replies: 74
Views: 4789

Re: 100% lifestrategy - good idea for a hands-off investor?

Slinky, welcome to Bogleheads and thanks for a memorable first post. I'm not familiar with the blog but the screen cap gave me a chuckle. No <blink> blinking font </blink> ? The nice thing about that blog is that you never have to update the narrative part as the advice still holds -- the blog is al...
by hoppy08520
Tue Aug 19, 2014 8:26 am
 
Forum: Investing - Help with Personal Investments
Topic: 100% lifestrategy - good idea for a hands-off investor?
Replies: 28
Views: 3210

Re: Has indexing gotten too big?

Has indexing reached a tipping point in popularity? First, let's understand how big indexing is today. The most common comparison is the number of passive versus active mutual funds. As of year-end 2013, index funds and ETFs constituted 35% of equity and 17% of fixed income open-end funds. That see...
by hoppy08520
Tue Aug 19, 2014 8:23 am
 
Forum: Investing - Theory, News & General
Topic: Has indexing gotten too big?
Replies: 10
Views: 1698

Re: Has indexing gotten too big?

Index funds constituted 14% and 3% of equity and fixed income funds, respectively, in market-capitalization terms. I read somewhere that only around 25% of stocks are held in funds, with the rest of stocks being directly held (not sure if this is still accurate). Thus only around 3.5% of stocks are...
by hoppy08520
Mon Aug 18, 2014 8:39 pm
 
Forum: Investing - Theory, News & General
Topic: Has indexing gotten too big?
Replies: 10
Views: 1698

Re: Exchange VG TR 2040 for VG LS Growth?

TVKNSC, I don't see any problems or issues with your proposal. The LifeStrategy funds have the same underlying funds as the TD funds, just different stock/bond percentages, so your proposed change is not really all that dramatic, just dialing back the stock portion from 90% to 80%. While I think an ...
by hoppy08520
Mon Aug 18, 2014 4:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Exchange VG TR 2040 for VG LS Growth?
Replies: 2
Views: 178

Re: Helping widowed mother with finances

His Life Insurance : $50k individual life insurance policy. She has the option of getting a lump sum check or having the money put into an account earning 3% interest . For the insurance policies, I'd opt for getting the cash and sticking it in a high-yield savings account (e.g., Synchrony Bank) fo...
by hoppy08520
Mon Aug 18, 2014 8:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Helping widowed mother with finances
Replies: 8
Views: 666

Re: Helping widowed mother with finances

Hello, and I'm sorry for your loss. Hello all! My father passed away a few weeks ago, and as a Boglehead-in-training, I'm trying to help my mom sort out the finances and get everything in order so she's set in the future. I'm hoping you all can help me create a plan for her - investing for my 27yo s...
by hoppy08520
Sun Aug 17, 2014 9:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Helping widowed mother with finances
Replies: 8
Views: 666

Re: Help with Rollover and Conversion

I have limited assets as well as limited exposure to liability (I think), so besides the asset protection aspect of creating a separate "rollover ira", is there any reason to follow the multi-step plan as opposed to just getting vanguard to help with a "simultaneous" rollover/co...
by hoppy08520
Sun Aug 17, 2014 5:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Rollover and Conversion
Replies: 4
Views: 287

Re: Help with Rollover and Conversion

Hello and welcome to the forum. If your end goal is to get all these assets into a Roth IRA at Vanguard, then my recommendation is to call Vanguard and have them walk you through the logistics of transfers and conversions. In particular, you'll want to be careful about the 403(b) that has some in Ro...
by hoppy08520
Sun Aug 17, 2014 11:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with Rollover and Conversion
Replies: 4
Views: 287

Re: Help selecting a bond fund from my 401k

It looks like the more expensive 401(k) plan (labelled #2 in your OP and #1 in your followup post) is your more expensive one, and fortunately is the far smaller one relative to the other 401(k) account. Moreover, the 2nd-cheapest funds in the expensive 401(k) account are "only" ~0.25% mor...
by hoppy08520
Sat Aug 16, 2014 7:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help selecting a bond fund from my 401k
Replies: 5
Views: 659

Re: Florida Retirement System Pension vs. Investment Option

I may be alarmist or irresponsible but I just wouldn't put too much faith in a government pension 30 - 50 years from now. Granted, Florida seems to have one of the better-run pension systems (at least according to this: http://www.governing.com/gov-data/state-pension-funds-retirement-systems-unfunde...
by hoppy08520
Sat Aug 16, 2014 1:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Florida Retirement System Pension vs. Investment Option
Replies: 8
Views: 677

Re: LifeStrategy description goof in "Get a Recommendation"

In a round about way, I find the mistake almost endearing. Here you've got a company managing $3 trillion and they can't seem to keep their website marketing copy up to date. They also are criticized from time to time for not having the most polished or functional online account and fund management ...
by hoppy08520
Sat Aug 16, 2014 12:39 pm
 
Forum: Investing - Theory, News & General
Topic: LifeStrategy description goof in "Get a Recommendation"
Replies: 5
Views: 635

Re: Help selecting a bond fund from my 401k

I'm having a hard time following this. Is there an editing mistake that mixes up account 1 and account 2? Could you lay out your proposed options (1, 2, 3) showing the actual proposed allocations?
by hoppy08520
Sat Aug 16, 2014 12:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help selecting a bond fund from my 401k
Replies: 5
Views: 659

Re: 100% lifestrategy - good idea for a hands-off investor?

FWIW, I helped a friend roll over a sizable 401(k) into a LifeStrategy fund. As nisiprius said, I think LifeStrategy X is good for just about any tax-advantaged account, but the investor with the $ should decide which flavor (growth, moderate growth, etc.). Only other consideration is whether this i...
by hoppy08520
Sat Aug 16, 2014 11:59 am
 
Forum: Investing - Help with Personal Investments
Topic: 100% lifestrategy - good idea for a hands-off investor?
Replies: 28
Views: 3210

Re: [Poll] How I Feel When I Think about Investing, etc.

So I'm hoping my vote will change over time. In a nutshell, I'm am so not liking this!! Full disclosure: I am very new to this. I do enjoy this website so I'm hoping I stick with it. 1) why do the powers to be make it so darn hard to understand. Really. I don't think I am a stupid gal but I've trie...
by hoppy08520
Fri Aug 15, 2014 6:33 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] How I Feel When I Think about Investing, etc.
Replies: 36
Views: 2342

Re: [Poll] How I Feel When I Think about Investing, etc.

If I had taken this poll three or four years ago, before I discovered passive investing and Bogleheads, then my answer would have been "Generally increases my stress levels and I do not enjoy it". Back then, I found investing stressful and full of anxiety because I didn't quite know what I...
by hoppy08520
Fri Aug 15, 2014 12:17 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] How I Feel When I Think about Investing, etc.
Replies: 36
Views: 2342

Re: High cost 401k, or taxable brokerage?

There's a section in the wiki that discusses this: http://www.bogleheads.org/wiki/401%28k%29#Expensive_or_mediocre_choices According to the logic in the wiki, for the average participant, you should invest in this plan as long as you expect that you'll stay at the job 10 years or less. In that wiki ...
by hoppy08520
Thu Aug 14, 2014 1:55 pm
 
Forum: Investing - Theory, News & General
Topic: High cost 401k, or taxable brokerage?
Replies: 13
Views: 796

Re: Help with posting my questions newbie

Welcome to Bogleheads. I'm reading your post and having a hard time understanding what you're trying to do. What do you want your overall asset allocation to be? Why are you looking at just two accounts and not all of them as a unified portfolio? Looking at your new 403(b), the best funds are the 50...
by hoppy08520
Wed Aug 13, 2014 10:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with posting my questions newbie
Replies: 14
Views: 1146

Re: Are these [401k] options terrible?

Find out for sure from HR what you as a participant actually pay. Typically the participant pays the "net expense ratio". Did you create that google sheet and guess/infer on Column E ("Total Annual operatin Expenses as a %") or did they tell you that's what you're paying?
by hoppy08520
Wed Aug 13, 2014 9:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are these [401k] options terrible?
Replies: 28
Views: 1978

Re: Portfolio Tracker suggestion?

How does one import fund prices into a google spreadsheet? I use google Docs for other stuff but I had no idea this was possible. Google Sheets has an incredible function called GoogleFinance . It's discussed here a lot. You just do this: =GoogleFinance( "VFINX" , "price" ) and ...
by hoppy08520
Wed Aug 13, 2014 9:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Portfolio Tracker suggestion?
Replies: 24
Views: 1555

Re: Should I simplify my portfolio?

I think I understand. I currently have a semi-complex portfolio. I have an "if I die" document that explains to my wife how to exchange our various funds into a "simple" portfolio that's essentially all TD funds. We've discussed this and she gets it. Maybe something like that can...
by hoppy08520
Tue Aug 12, 2014 11:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I simplify my portfolio?
Replies: 11
Views: 1226

Re: Should I simplify my portfolio?

Would you suggest leaving things as is, opening the roths or trying to get even more simple with target funds? Shredder, I'm not really sure what you're asking. It looks like there are really two questions here. #1 - Are you asking if you should invest less in the 401(k) account(s) and more in IRAs...
by hoppy08520
Tue Aug 12, 2014 6:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I simplify my portfolio?
Replies: 11
Views: 1226

Re: Asset Allocation question for small IRA

I don't think anyone would see anything un reasonable about that, expect to say that most people here advise to look at your total portfolio as a whole when you invest, rather than compartmentalizing things by creating a little mini portfolio in each separate account. But if you want to look at that...
by hoppy08520
Tue Aug 12, 2014 4:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation question for small IRA
Replies: 3
Views: 200

New York City pension mess - NY Times

New York City Pension System Is Strained by Costs and Politics The New York Times August 5, 2014 Some stats that struck me: In 1997, the city’s biggest fund, the New York City Employees’ Retirement System, known as Nycers, spent $17.3 million in investment fees for a $31.7 billion portfolio. By 201...
by hoppy08520
Tue Aug 05, 2014 8:56 am
 
Forum: Investing - Theory, News & General
Topic: New York City pension mess - NY Times
Replies: 15
Views: 1617

Re: International investing. A good call by our mentor.

People keep bringing up Japan. Today Japan is only 7.7% of VT (Vanguard Total World Stock ETF). How much was it in 1990? Maybe 12%-15%? That's still FAR less than the US at 50%. Japan represented about 1/3 of world market cap in 1990, slightly less than the US did at the time. Everyone is entitled ...
by hoppy08520
Sun Aug 03, 2014 3:58 pm
 
Forum: Investing - Theory, News & General
Topic: International investing. A good call by our mentor.
Replies: 145
Views: 12293

Re: International investing. A good call by our mentor.

Bobcat2 in another thread raised a great point about International investing, that is currency risk. Whatever amount you have invested in International Stocks and Bonds is the degree to which you are exposed to currency risk, that is unless the fund purchases currency hedges. His point was how much...
by hoppy08520
Sun Aug 03, 2014 2:23 pm
 
Forum: Investing - Theory, News & General
Topic: International investing. A good call by our mentor.
Replies: 145
Views: 12293

Re: Investing Account Advice

Reid, good luck with implementing your plan. A few additional points: ⋅  While you might be eager to reset your portfolio, check to see what the tax implications are. While the portfolio example in my earlier reply might look like a possible destination, you might want to get there in stag...
by hoppy08520
Sun Aug 03, 2014 1:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing Account Advice
Replies: 10
Views: 922

Re: Life Strategy Fund fee question

Angrypuppy, don't let some grumps get you down. I think people need to give the OP a break. I googled this topic and searched the forum and nothing jumped out at me. Googling certain topics around investing can difficult because the search terms often cast such a wide net and it's difficult to find ...
by hoppy08520
Sun Aug 03, 2014 1:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Life Strategy Fund fee question
Replies: 34
Views: 1712

Re: Investing for Someone else

Welcome to Bogleheads. Okazaki, you have good intentions but you need to learn more before taking on this responsibility and your parents probably do as well. I recommend reading some of the books on the reading list. Check out the amazon.com link. You might start with The Bogleheads Guide to Invest...
by hoppy08520
Sat Aug 02, 2014 11:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing for Someone else
Replies: 29
Views: 1652

Re: W/ AA - consider all accounts as one, including spouse?

We do have Roth accounts, why is it better to have asset classes with higher expected returns in the Roths? I'm sure I should know this by all my reading, but it is escaping me for the moment. Due to the account balances and our AA I thin this is what we would end up with anyway, but I'm obviously ...
by hoppy08520
Sat Aug 02, 2014 6:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: W/ AA - consider all accounts as one, including spouse?
Replies: 23
Views: 1081

Re: International investing. A good call by our mentor.

Just for kicks, I plugged four 100% stock portfolios with different US/International blends into Simba's backtesting spreadsheet, and backtested from 2013 to 1999 (15 years) and it looks like one's international allocation hardly mattered (looking backward during that time period). 100/0 - US/Intl -...
by hoppy08520
Sat Aug 02, 2014 3:46 pm
 
Forum: Investing - Theory, News & General
Topic: International investing. A good call by our mentor.
Replies: 145
Views: 12293

Re: Investing Account Advice

Hello and welcome to Bogleheads. My first reaction to reading your post is lets get the cart and horse in the proper order. Forgive the cliched analogy, but get your desired AA settled first and then pick the appropriate funds in the appropriate accounts. You have many asset classes and sector funds...
by hoppy08520
Sat Aug 02, 2014 2:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing Account Advice
Replies: 10
Views: 922

Re: W/ AA - consider all accounts as one, including spouse?

*IF* both spouses come into the marriage with low or equal assets, and if both are on the same general wavelength regarding AA, and if you don't divorce, then I think a total-portfolio approach is best. I'm no expert on divorce law, but from what I'm read, His and Her accounts that are considered ma...
by hoppy08520
Sat Aug 02, 2014 11:46 am
 
Forum: Investing - Help with Personal Investments
Topic: W/ AA - consider all accounts as one, including spouse?
Replies: 23
Views: 1081

Re: Dividend Strategy Ain't For Everyone

I think dividend investors are a holdover from the pre-index fund age and really even prior to mutual funds. Prior to mutual funds, a good investor bought a basket of stocks to assemble a DIY index fund, or your own personal Dow Jones index. Back then, buying and selling stocks was more complicated ...
by hoppy08520
Fri Aug 01, 2014 8:43 pm
 
Forum: Investing - Theory, News & General
Topic: Dividend Strategy Ain't For Everyone
Replies: 149
Views: 10510

Re: TSP G Fund as Emergency Fund?

Yes. There might not be a direct post about your exact same question, but if you look through other posts about the G Fund, you'll read people write things like, "The G Fund has comparable safety and yields of multi-year CDs [current G Fund yield is 2.25%], but none of the liquidity restriction...
by hoppy08520
Fri Aug 01, 2014 8:20 am
 
Forum: Investing - Help with Personal Investments
Topic: TSP G Fund as Emergency Fund?
Replies: 6
Views: 649

Huff Post: How Financially Literate Is the Investing Public?

How Financially Literate Is the Investing Public? A June 2014 study by researchers at the National Bureau of Economic Research evaluated the overall financial literacy of U.S. investors. The 17 questions were grouped into five categories (compound interest, inflation, diversification, tax-deferred ...
by hoppy08520
Thu Jul 31, 2014 8:24 am
 
Forum: Investing - Theory, News & General
Topic: Huff Post: How Financially Literate Is the Investing Public?
Replies: 52
Views: 4579

Re: How to keep family informed

Also, it will be useful to list things you DON'T have (but might be expected to). For instance I don't have life insurance, I don't have a brokerage account, I don't have car payments or a mortgage. This may save your heir(s) from going nuts looking for stuff that they think you probably have. It w...
by hoppy08520
Wed Jul 30, 2014 8:17 am
 
Forum: Personal Finance (Not Investing)
Topic: How to keep family informed
Replies: 35
Views: 3201

Re: Cell phone control devices for teen drivers?

So far all of the posts have been about dad and daughter. Well, what about me ? I for one am grateful that TexasDiver is trying to protect me from his daughter. I bicycle and drive on our community roads and I prefer that TexasDiver's wonderful daughter not sideswipe me while she sends a text to her...
by hoppy08520
Tue Jul 29, 2014 8:54 am
 
Forum: Personal Consumer Issues
Topic: Cell phone control devices for teen drivers?
Replies: 36
Views: 1691

Re: Need help rebalancing investments

I know that she needs to rebalance, but am reluctant to generate too much taxes. I don't know how to start rebalancing. I know that she is a little heavy in stocks. I'm open to suggestions Rebalancing is really a tactical move to implement one's desired asset allocation. No one can suggest anything...
by hoppy08520
Mon Jul 28, 2014 11:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Need help rebalancing investments
Replies: 4
Views: 445

Re: Bank account to teach kids

Unless you are talking about large sums of money, why bother with a bank at that age. Just set up a spread sheet and you can be the bank. This is what I plan to do (when I get around to it...) Being the Bank, I'll also pay the kids higher interest so they can get excited about saving. My credit uni...
by hoppy08520
Mon Jul 28, 2014 11:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Bank account to teach kids
Replies: 17
Views: 881

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: 7
Views: 764

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: 614

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: 8
Views: 840

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: 42
Views: 3164

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: 2327
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