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Re: HSA Investment Problem

Thanks for your response, 111. I don't know if it's you or not, but I think one of us is missing something. :P How I'm reading it: On 8/22 I bought 0.854 shares of FSTMX at $48.78 per share (that's what the price per share was that day) for a total of $41.66 (0.854 x 48.78) invested that day . . . a...
by lumos
Fri Mar 07, 2014 6:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA Investment Problem
Replies: 11
Views: 1003

Re: HSA Investment Problem

I'm not an expert so forgive me if I'm not using the proper terminology or if the answer is "staring me in the face". Gains I'm referring to would certainly be unrealized and not taxable. I would expect BNY Melon to include everything that contributes to the bottom line of the statement an...
by lumos
Fri Mar 07, 2014 3:02 am
 
Forum: Investing - Help with Personal Investments
Topic: HSA Investment Problem
Replies: 11
Views: 1003

HSA Investment Problem

Thanks in advance for any wisdom on this issue. I currently have $500 invested in the mutual fund area of my HSA account. The account is with WageWorks but I get transferred to the BNY Mellon (account "custodian") site when I click on "Investment Options". They offer 3 funds, one...
by lumos
Thu Mar 06, 2014 5:31 am
 
Forum: Investing - Help with Personal Investments
Topic: HSA Investment Problem
Replies: 11
Views: 1003

Re: 401K: International managed or index?

Thank you, G-Money, points well taken. Just trying to learn and asking what seems like a fairly specific and reasonable question. Not really believing any hype. Anyone else have any thoughts about the Morningstar article or my specific funds or situation. Thanks in advance!
by lumos
Sat Aug 17, 2013 2:13 am
 
Forum: Investing - Help with Personal Investments
Topic: 401K: International managed or index?
Replies: 4
Views: 275

401K: International managed or index?

In light of todays article in Morningstar, http://news.morningstar.com/articlenet/article.aspx?id=608086 , I decided to take a closer look at the modest international offerings in my 401K. Including or excluding the arguments in the article it appears from my calculations that my managed "Equit...
by lumos
Fri Aug 16, 2013 4:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K: International managed or index?
Replies: 4
Views: 275

Re: Matching TSM in 401K?

Thanks for the responses. Yes, the Approximation Tables are where I started. Was just wondering if there was a way to fill in the style boxes with with % given the info I have about the 401K funds. Seems like you would need to know value/growth information if you ever wanted to tilt one direction. D...
by lumos
Mon Aug 05, 2013 1:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Matching TSM in 401K?
Replies: 6
Views: 366

Matching TSM in 401K?

I've been looking at the TSM equivalents at http://www.bogleheads.org/wiki/Approximating_Total_Stock_Market and trying to match them up with the very low (.02-.04) ER funds available in my 401K, based on the info that they provide (below). Should I just put all US stock in the large cap and be done ...
by lumos
Mon Aug 05, 2013 12:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Matching TSM in 401K?
Replies: 6
Views: 366

Re: ER Impact: Low vs. Lower

Thanks, JoMoney. In my case I'm not really tilting using small caps, I'm attempting to replicate TSM using the small, med and large caps in the core offerings of my 401K, mostly because of the super low fees therein. So the original question has to do with swapping out the small cap 401K fund for a ...
by lumos
Sat Jul 27, 2013 6:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: ER Impact: Low vs. Lower
Replies: 11
Views: 921

Re: ER Impact: Low vs. Lower

Your'e right. Sorry, old 401K data! The numbers for both as of 6/30 are: 401K Small Cap Index ER: 0.04 1 YR: 24.39 3 YR: 18.85 5 YR: 9.00 10 YR: 9.64 Vanguard Small Cap Admiral (VSMAX) ER: 0.10 1 YR: 25.72 3 YR: 20.03 5 YR: 10.14 10 Yr: 10.89 No fees for the brokerage window, but good point about am...
by lumos
Sat Jul 27, 2013 3:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: ER Impact: Low vs. Lower
Replies: 11
Views: 921

Re: ER Impact: Low vs. Lower

Hmm, good point. I will check. Thanks!
by lumos
Sat Jul 27, 2013 3:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: ER Impact: Low vs. Lower
Replies: 11
Views: 921

ER Impact: Low vs. Lower

I understand the general importance of having a low ER, and I'm sure it is likely a "simple" matter of math, but what might all the considerations be when comparing the ER and historic rate of return between different index funds? An example: 401K Small Cap Index (tracking Russell 2000) ER...
by lumos
Sat Jul 27, 2013 2:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: ER Impact: Low vs. Lower
Replies: 11
Views: 921

Re: Benefits of partially managed portfolio?

Thanks very much for your input! The "consensus" is neither unexpected nor inconsistent with my general assessment, but it's helpful to get other opinions before moving forward. Thank you.
by lumos
Mon Jul 15, 2013 10:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Benefits of partially managed portfolio?
Replies: 4
Views: 448

Benefits of partially managed portfolio?

Greetings. I am considering whether to expand my relationship with a seemingly bright and personable financial advisor loosely affiliated with my employer but very familiar with our benefits. Although this may be antithetical to the principles of low-cost passive index investing, I appreciate his kn...
by lumos
Mon Jul 15, 2013 7:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Benefits of partially managed portfolio?
Replies: 4
Views: 448

Re: Help: Schwab vanilla or Vanguard ETFs?

Great input from everyone! Thank you!
by lumos
Sat Jul 13, 2013 12:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Help: Schwab vanilla or Vanguard ETFs?
Replies: 10
Views: 941

Re: Help: Schwab vanilla or Vanguard ETFs?

Thanks odg. Employer is Fortune 100 / A.M. Best A+. Not stoked about bond fund right now. Would 100% fixed AA in Guaranteed Fund be prudent?

Great point about stock allocation. Looks like it might need a little adjustment. Thanks for the link!
by lumos
Fri Jul 12, 2013 3:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help: Schwab vanilla or Vanguard ETFs?
Replies: 10
Views: 941

Re: Help: Schwab vanilla or Vanguard ETFs?

Thanks guys, for wading through my rantings. You're absolutely right, I mistyped the bond fund ER. It is 0.02. I assume that makes it a little more attractive. ;-) It's the "Guaranteed Fund" that's at 0.64 (management fee). Participant balances in it are guaranteed by my employer (insuranc...
by lumos
Fri Jul 12, 2013 1:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Help: Schwab vanilla or Vanguard ETFs?
Replies: 10
Views: 941

Help: Schwab vanilla or Vanguard ETFs?

Greetings! First time poster. A veritable font of information dwells here, thank you! I have question about my situation if anyone has any thoughts. I'm 56 and my employer's 401K is with Schwab and it has about 15 default fund selections. I also have just opened a self-directed "PCRA" that...
by lumos
Thu Jul 11, 2013 9:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help: Schwab vanilla or Vanguard ETFs?
Replies: 10
Views: 941

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