Search found 3074 matches

Return to advanced search

Re: VTI vs. VTSAX

madbrain wrote:
devotee wrote:For the long term Vanguard investor who periodically invests, does the eft have any advantage over the total stock market mutual fund?


You can't do automatic periodic investments with ETFs. The mutual fund is more convenient.


+1
by joe8d
Tue Apr 15, 2014 10:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: VTI vs. VTSAX [Vanguard Total Stk Mkt: ETF vs. Mutual Fund]
Replies: 4
Views: 477

Re: KISS

Your 3 fund AA is essentially the Life Strategy Growth Fund. So 90% LSG + 10% Short Term Investment Grade Bd Fd would do it more simply.
by joe8d
Tue Apr 15, 2014 9:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: KISS
Replies: 2
Views: 405

Re: Alternative to a car

Are there decent replacement for cars for short trips to the grocery store? We are getting to a point where we feel that our mom should stop driving, but she indicated that the bus are a pain to go grocery shopping. She only need it to go about a mile and across the street from the retirement commu...
by joe8d
Mon Apr 14, 2014 10:47 pm
 
Forum: Personal Consumer Issues
Topic: Alternative to a car
Replies: 30
Views: 1790

Re: Elio Car

My Chevy Spark is as low as I go.
by joe8d
Mon Apr 14, 2014 10:34 pm
 
Forum: Personal Consumer Issues
Topic: Elio Car
Replies: 26
Views: 1432

Re: Investments/Allocations

Lets see: Retired, 50/50,7 figure balance,all funds distribute divs.

Looks good to me.
by joe8d
Mon Apr 14, 2014 9:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investments/Allocations
Replies: 11
Views: 624

Re: POLL: Do rebalance bands matter?

sunnyday wrote:I just googled Jack Bogle portfolio and found some articles that he say he thinks rebalancing is overhyped.


:thumbsup
by joe8d
Tue Apr 01, 2014 9:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: POLL: Do rebalance bands matter?
Replies: 20
Views: 1249

Re: Blog: Vanguard Personal Advisor Services

Sounds great. Definitely will recommend to the majority of people who need help.
by joe8d
Tue Apr 01, 2014 9:20 pm
 
Forum: Investing - Theory, News & General
Topic: Blog: Vanguard Personal Advisor Services
Replies: 23
Views: 3857

Re: Best ways to show daily news to 9 year old

It not the ads,but the News itself that would be upsetting to a 9 year old.
by joe8d
Tue Apr 01, 2014 8:13 pm
 
Forum: Personal Consumer Issues
Topic: Best ways to show daily news to 9 year old
Replies: 28
Views: 1877

Re: The Finance Buff uses a Vanguard Planner.

The planner gave good advice. One thing on muni bonds, I would keep them as they become important again when you go into the RMD stage . Could you elaborate why muni bonds become important once RMDs begin? Muni bond tax free interest is added to income for determining how much SS is taxed. RMD's ha...
by joe8d
Tue Apr 01, 2014 7:50 pm
 
Forum: Investing - Theory, News & General
Topic: The Finance Buff uses a Vanguard Planner.
Replies: 27
Views: 3595

Re: Best Movies of 2013

Edit add: movies HAVE gotten considerably worse. It's not everyone's imagination. I did a little investigating to try to figure out why and the reason is the global box office. Everyone's trying to make a big score and the movies with the simplest plots do the best translated across languages and c...
by joe8d
Mon Mar 31, 2014 10:43 pm
 
Forum: Personal Consumer Issues
Topic: Best Movies of 2013
Replies: 83
Views: 5470

Re: Thoughts on TSP Lifecyle Glide Paths

I have always liked the saying; "Planning is everything. Plans are nothing." The idea is to make plans, but change them when circumstances change.


:thumbsup You can expect to make many changes over your Invesment Life.
by joe8d
Mon Mar 31, 2014 9:59 pm
 
Forum: Investing - Theory, News & General
Topic: Thoughts on TSP Lifecyle Glide Paths
Replies: 10
Views: 1017

Re: The Finance Buff uses a Vanguard Planner.

The planner gave good advice. One thing on muni bonds, I would keep them as they become important again when you go into the RMD stage .
by joe8d
Mon Mar 31, 2014 9:40 pm
 
Forum: Investing - Theory, News & General
Topic: The Finance Buff uses a Vanguard Planner.
Replies: 27
Views: 3595

Re: Thoughts on TSP Lifecyle Glide Paths

I'm 28. This will be my first year maxing out my TSP, splitting 50/50 between Roth and Traditional contributions. I invest everything into the L2050. My current balance is $90,000. Here is the Glide Path for the L2050. I was born in 1985. Age % Bonds % Stocks 30 15 85 35 20 80 40 25 75 45 30 70 50 ...
by joe8d
Mon Mar 31, 2014 8:54 pm
 
Forum: Investing - Theory, News & General
Topic: Thoughts on TSP Lifecyle Glide Paths
Replies: 10
Views: 1017

Re: Best Movies of 2013

Just saw "Nebraska" tonight. Excellent for many reasons: Jerrybaby wrote; It has led me to one conclusion: that the creativity in writing, acting, directing, producing is in short supply these days with movies. Agree with you,but "Nebraska' is one those "in short supply these day...
by joe8d
Sat Mar 29, 2014 10:56 pm
 
Forum: Personal Consumer Issues
Topic: Best Movies of 2013
Replies: 83
Views: 5470

Re: Watching The Market Is Not Investing

How much is enough? Once you have saved 25 times annual living expenses – less income from Social Security, pensions, rents and other cash flows – then you have enough. There’s no reason to load up with risk just to try and earn a little more. Diversify into a conservative portfolio of low-cost sto...
by joe8d
Sat Mar 29, 2014 10:35 pm
 
Forum: Investing - Theory, News & General
Topic: Watching The Market Is Not Investing
Replies: 12
Views: 1727

Re: Financial Plan from Vanguard?

Total stock is classified as large cap blend because that is how it averages out (for lack of a better word). But it includes everything, not just large cap stocks. Yes.Since TSM is cap weighted,the large cap stocks make up the great % of the holdings.The more accurate classification would be simpl...
by joe8d
Fri Mar 28, 2014 10:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Financial Plan from Vanguard?
Replies: 23
Views: 2922

Re: Why bad/expensive 401(k)s will likely always be with us

The basic problem is that 401k plans are attached to employers rather than individuals. In the UK, the tax-free investment wrapper simply has an annual limit on contributions that is not dependent on income, with a free choice of cash or stock investments made by individuals themselves. While "...
by joe8d
Fri Mar 28, 2014 10:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why bad/expensive 401(k)s will likely always be with us
Replies: 116
Views: 7579

Re: "Protecting Your Portfolio From Old Age"

Mike,
I would just tell people to do exactly what you do, put everything into a Life Strategy Fund.
by joe8d
Fri Mar 28, 2014 9:27 pm
 
Forum: Investing - Theory, News & General
Topic: "Protecting Your Portfolio From Old Age"
Replies: 19
Views: 2151

Re: Rank These 401(k) Providers

Principal is the 400 pound gorilla in the employer 401k market. They have gained that position, in my opinion and experience, by: 1. Engaging an aggressive, talented and persuasive sales force. They are able to convince employers that Principal can take all (or almost all) of the administrative bur...
by joe8d
Fri Mar 28, 2014 9:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rank These 401(k) Providers
Replies: 32
Views: 2169

Re: Target Retirement Income today

Distribution Day.
by joe8d
Fri Mar 28, 2014 9:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Target Retirement Income today
Replies: 3
Views: 737

Re: Vanguard Portfolio For My Mother

kerplunk wrote:Yes, that's what I would recommend. I can't speak for anyone else, of course.


:thumbsup
by joe8d
Thu Mar 27, 2014 11:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Portfolio For My Mother
Replies: 18
Views: 1038

Re: Portfolio help for 83 year old widow lady

BL wrote:She might be someone who would like to invest $5k in total stock market just to have something to watch, while the rest is safe in the bank.


Yes, Online Savings account for now, STIG for a portion if and when interest rates normalize and maybe 10K into TSM.
by joe8d
Thu Mar 27, 2014 10:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio help for 83 year old widow lady
Replies: 16
Views: 1059

Re: Vanguard Portfolio For My Mother

Hi there! Here is a three-fund portfolio for a taxable account: 42% Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) 18% Vanguard Total International Stock Index Fund Admiral Shares (VTIAX) 40% Vanguard Intermediate-Term Tax-Exempt Fund Admiral Shares (VWIUX) +1 Although you may want t...
by joe8d
Thu Mar 27, 2014 10:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Portfolio For My Mother
Replies: 18
Views: 1038

Re: Vanguard Portfolio For My Mother

Hi there! Here is a three-fund portfolio for a taxable account: 42% Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) 18% Vanguard Total International Stock Index Fund Admiral Shares (VTIAX) 40% Vanguard Intermediate-Term Tax-Exempt Fund Admiral Shares (VWIUX) +1 Although you may want t...
by joe8d
Thu Mar 27, 2014 10:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Portfolio For My Mother
Replies: 18
Views: 1038

Re: Where to put money in 401(K)

Others will ask for expense ratios. Given your choices I will just go with Vanguard funds and suggest a slightly conservative 80% Vanguard target 2055 which is roughly 90% stocks and will be so for a few years with a risk reduction by putting 20% using the vanguard short term bond fund that has min...
by joe8d
Thu Mar 27, 2014 9:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where to put money in 401(K)
Replies: 4
Views: 522

Re: Really confused by Bernstein

^ Bernstein has been very clear that you figure out what you need for basics and do everything you can to protect that. Then, you can definitely take more risk with those assets you don't necessarily need. Bernstein is smart, has his own opinions, and is very conservative with personal financial pl...
by joe8d
Thu Mar 27, 2014 8:18 pm
 
Forum: Investing - Theory, News & General
Topic: Really confused by Bernstein
Replies: 168
Views: 12639

Re: DRAM Class Action Settlement

TY LG. Was not sure where to put it.
by joe8d
Wed Mar 26, 2014 10:53 pm
 
Forum: Personal Consumer Issues
Topic: DRAM Class Action Settlement
Replies: 2
Views: 426

Re: Were These Investment Advisors Lying or Incompetent?

There could be a few people with a pocket to be lined from the winner if not Vanguard, Maybe not. I stopped donating to my alma mater when they announced they were more than 50% in alternative investments. Why for any reason they couldn't just go with Vanguard's balanced or Life Strategy Moderate g...
by joe8d
Wed Mar 26, 2014 9:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Were These Investment Advisors Lying or Incompetent?
Replies: 90
Views: 5864

Re: We Don't want to die with Money

Ron wrote:"We Don't want to die with Money"...

In our case, we would rather die with money than live without it :happy ...

Which scenerio is easier to plan for?

- Ron


:thumbsup One could always leave any leftover money to a charity.
by joe8d
Wed Mar 26, 2014 8:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: We Don't want to die with Money
Replies: 45
Views: 3743

DRAM Class Action Settlement

FYI: If you bought a computer,printer or other electronic devices between 1998 and 2002,you are probably eligible for a settlement award.

http://www.dramclaims.com
by joe8d
Wed Mar 26, 2014 8:36 pm
 
Forum: Personal Consumer Issues
Topic: DRAM Class Action Settlement
Replies: 2
Views: 426

Re: Load-Waived A-Share Funds Better Than Indexing?

You still would be paying adviser fees,higher ER's and internal trading costs associated with active funds.Put it directly into VG Mutual Funds.
by joe8d
Tue Mar 25, 2014 9:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Load-Waived A-Share Funds Better Than Indexing?
Replies: 30
Views: 1145

Re: Do you work part time in retirement?

I have been doing this for about 16 months and plan to continue it indefinitely for now. I would encourage people to look beyond what they are used to doing and find something that they enjoy if they decide to work part time. I'm not doing it for the money (low wage job) and the money I made last y...
by joe8d
Tue Mar 25, 2014 7:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you work part time in retirement?
Replies: 59
Views: 3874

Re: Really confused by Bernstein

The younger you are when you retire the more risk you have of running out of money.I am not shedding a tear for those who choose to retire in their early to mid fifties with a 7 figure portfolio and then are fretting about do they have enough.I do feel for those who are laid off and forced to retir...
by joe8d
Mon Mar 24, 2014 10:44 pm
 
Forum: Investing - Theory, News & General
Topic: Really confused by Bernstein
Replies: 168
Views: 12639

Re: Tough college choice

All things being equal, I almost always will favor the SUNY school primarily due to the low in-state tuition and generally decent educational opportunities. What really seals the deal for me in this case is your daughter's field of interest. Maybe I'm just completely and utterly ignorant of the opp...
by joe8d
Mon Mar 24, 2014 10:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tough college choice
Replies: 54
Views: 4025

Re: Domestic vs. International Stock Allocation

It seems that most people here are between 20-50% international. Currency risk has been raised as a reason to keep more of a US equity allocation than the ~50% world allocation.
+1
Considering all the factors going forward,I would be and am, closer to the bottom end of that range.
by joe8d
Mon Mar 24, 2014 9:45 pm
 
Forum: Investing - Theory, News & General
Topic: Domestic vs. International Stock Allocation
Replies: 37
Views: 2922

Re: Creating a "secondary" retirement account

I know we usually recommend Roths, but that's because most Bogleheads don't qualify for the traditional deductible IRA


+1
by joe8d
Mon Mar 24, 2014 8:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Creating a "secondary" retirement account
Replies: 18
Views: 1607

Re: Non-profit endowment: VG LifeStrategy?

:thumbsup Excellent choice.
by joe8d
Mon Mar 24, 2014 7:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Non-profit endowment question
Replies: 7
Views: 535

Re: Do you work part time in retirement?

I retired 10 years ago due to company closure.I've been working P/T at my local public library for the last 8 years.I enjoy working with the public and It's been the only thing I look forward to doing.
by joe8d
Mon Mar 24, 2014 7:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you work part time in retirement?
Replies: 59
Views: 3874

Re: Question about 401k vs Roth IRA

Definitely contribute the 18% to your 401(k) if you can. It's free money. http://www.bogleheads.org/wiki/Traditional_versus_Roth#General_guidelines :thumbsup !8% contribution (TD) + 6% Company match. The company match will pay for taxes upon withdrawal up to the 25% Bracket. You will get a tax brea...
by joe8d
Thu Mar 20, 2014 9:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question about 401k vs Roth IRA
Replies: 8
Views: 635

Re: You can lead a horse to water...

A credit counselor might be of more in getting them to set up a reasonable budget than a financial planner. Some of them are scams but from what I have read there are some legitimate non-profits out there that do this. Yes,In my area Catholic Charities, United Way and the Univerity of Buffalo all o...
by joe8d
Thu Mar 20, 2014 8:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: You can lead a horse to water... [Giving financial advice]
Replies: 43
Views: 3933

Re: Advice needed on behalf of MIL

Online Savings account and/or 1 yr Online CD ladder (w/3mo rungs) at most. Joe, Yes, but we need printed statements to be mailed. I am glad there is agreement with the CD ladder idea. L. Ally Bank will mail printed statements each month for all acounts free. Barclays will charge you $10.I definitly...
by joe8d
Thu Mar 20, 2014 8:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice needed on behalf of MIL
Replies: 26
Views: 1412

Re: Advice needed on behalf of MIL

Online Savings account and/or 1 yr Online CD ladder (w/3mo rungs) at most. Joe, Yes, but we need printed statements to be mailed. I am glad there is agreement with the CD ladder idea. L. Ally Bank will mail printed statements each month for all acounts free. Barclays will charge you $10.I definitly...
by joe8d
Thu Mar 20, 2014 7:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice needed on behalf of MIL
Replies: 26
Views: 1412

Re: Will upcoming rise in interest rates affect your AA?

I'd love to be able to get my mom into some 5-6+% CDs so I no longer have to help her out each month. When CDs pay that much again you'll still have to help Mom because everything will cost 5-6% more. "Normal "interest rates would have the 90 day T yielding at least the rate of inflation....
by joe8d
Wed Mar 19, 2014 10:58 pm
 
Forum: Investing - Theory, News & General
Topic: Will upcoming rise in interest rates affect your AA?
Replies: 30
Views: 2064

Re: Will upcoming rise in interest rates affect your AA?

sambb wrote:rise in interest rates already happened. can't time the market. stay the course.


STIG dropped 3 cents in NAV today,Significant for that fund.
by joe8d
Wed Mar 19, 2014 10:37 pm
 
Forum: Investing - Theory, News & General
Topic: Will upcoming rise in interest rates affect your AA?
Replies: 30
Views: 2064

Re: Advice needed on behalf of MIL

Online Savings account and/or 1 yr Online CD ladder (w/3mo rungs) at most.
by joe8d
Wed Mar 19, 2014 10:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice needed on behalf of MIL
Replies: 26
Views: 1412

Re: Will upcoming rise in interest rates affect your AA?

It would be welcomed by me, as I would add to my bond holdings.
by joe8d
Wed Mar 19, 2014 10:10 pm
 
Forum: Investing - Theory, News & General
Topic: Will upcoming rise in interest rates affect your AA?
Replies: 30
Views: 2064

Re: Do you consider Vanguard Total Market to be 100% stocks?

Phineas J. Whoopee wrote:Yes.

For questions such as these I take an engineering viewpoint, that is, where even a 5% difference of total portfolio is of questionable significance, 99% / 1% in one of three funds is close enough to 100% for practical purposes.

PJW


+1 from a former engineer.
by joe8d
Wed Mar 19, 2014 9:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you consider Vanguard Total Market to be 100% stocks?
Replies: 15
Views: 2409

Re: AA/retirement questions

Overall Asset allocation: currently 80/20 in the 401K. Too aggressive? I'd stay 80/20 until Age 55. He's talking about retiring at 53, do you think its wise to stay at 80/20 until 2 years before retirement? Sorry John, didn't see that. That brings up another question,assuming OP is a Doctor and hav...
by joe8d
Wed Mar 19, 2014 9:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA/retirement questions
Replies: 11
Views: 1038

Re: AA/retirement questions

John3754 wrote:
joe8d wrote:
Overall Asset allocation: currently 80/20 in the 401K. Too aggressive?


I'd stay 80/20 until Age 55.


He's talking about retiring at 53, do you think its wise to stay at 80/20 until 2 years before retirement?


Sorry John, didn't see that.
by joe8d
Wed Mar 19, 2014 8:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA/retirement questions
Replies: 11
Views: 1038
Next

Return to advanced search