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Re: Need help with Vangaurd Roth IRA Allocation

I guess I need to figure that out, clueless to where to even start to decide asset allocation, I guess i'll start googling :) :moneybag
by kromix
Wed Jan 29, 2014 7:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help with Vangaurd Roth IRA Allocation
Replies: 10
Views: 460

Re: Need help with Vangaurd Roth IRA Allocation

Awesome thank you for sharing your knowledge DSInvestor. So to make sure I understand this right, with your advice I would always rebalance to keep these general ratios: Bonds 10% of portfolio International stocks 20% of portfolio US Stocks 70% of portfolio Right? I will work on this and work on add...
by kromix
Wed Jan 29, 2014 7:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help with Vangaurd Roth IRA Allocation
Replies: 10
Views: 460

Re: Need help with Vangaurd Roth IRA Allocation

Awesome thank you for sharing your knowledge DSInvestor. So to make sure I understand this right, with your advice I would always rebalance to keep these general ratios: Bonds 10% of portfolio International stocks 20% of portfolio US Stocks 70% of portfolio Right? I will work on this and work on add...
by kromix
Wed Jan 29, 2014 7:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help with Vangaurd Roth IRA Allocation
Replies: 10
Views: 460

Re: Need help with Vangaurd Roth IRA Allocation

Just started everything recently, I saved saved saved put a big down on a house, and then started my 401(k) / Roth IRA... 401(k): $6400 30% Core Bond Enhanced Index/PIM Fund 70% Dryden S&P 500 Index Fund All available 401(k) options: Gibraltar Guaranteed Fund ** Core Bond Enhanced Index/PIM Fund...
by kromix
Wed Jan 29, 2014 6:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help with Vangaurd Roth IRA Allocation
Replies: 10
Views: 460

Re: Need help with Vangaurd Roth IRA Allocation

Sorry for not being an expert on this but I thought for all practical purposes VTSAX and VTI were the same?


So having 10.5k in VTSAX

and then

1/3 VTI
1/3 BND
1/3 VXUS


I like those i'll stay away from the less risk bonds, atleast for now....
by kromix
Wed Jan 29, 2014 5:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help with Vangaurd Roth IRA Allocation
Replies: 10
Views: 460

Need help with Vangaurd Roth IRA Allocation

So taking your advice I opened a Vanguard ROTH IRA last year to put money into after my 6% max employer contribution match that goes into my 401(k). Stats: 28 Year old single male - financially secure stable job - ok with some risk, but looking to diversify since it's all in one place right now. Max...
by kromix
Wed Jan 29, 2014 3:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help with Vangaurd Roth IRA Allocation
Replies: 10
Views: 460

VTSAX - Get in now or wait?

Opening a Roth IRA, want to take advantage of the Admiral Shares as part of a long-term investment, do I get in now @ 39.19 the highest it's been or wait till it gets down to ~30?
by kromix
Wed Apr 03, 2013 4:26 pm
 
Forum: Investing - Theory, News & General
Topic: VTSAX - Get in now or wait?
Replies: 5
Views: 575

Re: Help deciding investment allocation on new 401(k)

Grt2bOutdoors wrote:
You may want to edit your post and not say where such and such is employed. Statistically, how many folks do you know start work tomorrow, hmmm? Sometimes less is more.



Done.

Thanks.
by kromix
Sat Dec 29, 2012 10:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Help deciding investment allocation on new 401(k)
Replies: 8
Views: 764

Re: Help deciding investment allocation on new 401(k)

Yea my goal was to save save save and have a small mortgage, now that it's out of the way, time to do this... I am married, my spouse does not have investing accounts right now, but she starts work tomorrow and will be doing whatever the max contributions is... Why do you ask, is it because we shoul...
by kromix
Fri Dec 28, 2012 2:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help deciding investment allocation on new 401(k)
Replies: 8
Views: 764

Help deciding investment allocation on new 401(k)

Starting 401(k) at work for the first time, waited to save money to buy house before doing so. Age: 27 Employer Contributes .50 on the $1 up to 6% I'm going to contribute 6% pre-tax to get the bax employer contribution. Options: Investment Name Expense Ratio Gibraltar Guaranteed Fund ** Core Bond En...
by kromix
Fri Dec 28, 2012 10:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Help deciding investment allocation on new 401(k)
Replies: 8
Views: 764

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