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Re: Value and small cap tilt

Good article by Rick Ferri on the subject:
http://www.rickferri.com/blog/strategy/ ... ue-stocks/
by mikeportfolio
Sun Jul 07, 2013 9:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Value and small cap tilt
Replies: 10
Views: 1084

Re: Complete noob looking for investing guidance

I just noticed you mentioned you don't have an emergency fund. I second what others have said; get that taken care of first before investing more. Also, whatever you ultimately decide about how to invest your money, put it into writing. That's called an Investment Policy Statement (IPS), and it's ve...
by mikeportfolio
Sat Jul 06, 2013 10:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Complete noob looking for investing guidance
Replies: 36
Views: 2017

Re: Complete noob looking for investing guidance

Wow! Thanks for the great advice. I feel like I'm learning alot already. I was reading something called transparent investing and it sounds just like what you are saying about index funds. Since you are also 29, is this the way you chose to go? Would it make sense to do some index funds and some ac...
by mikeportfolio
Sat Jul 06, 2013 9:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Complete noob looking for investing guidance
Replies: 36
Views: 2017

Re: Complete noob looking for investing guidance

Here is a good starting point to learn about investing the Boglehead way: http://www.bogleheads.org/wiki/Bogleheads%C2%AE_investment_philosophy You need to first pick an asset allocation that you're comfortable with, as it will determine almost all of the risk and return of your portfolio over time....
by mikeportfolio
Fri Jul 05, 2013 6:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Complete noob looking for investing guidance
Replies: 36
Views: 2017

Re: Confused on bond funds and all the bad news

If you are worried about bonds going down in value a little bit as interest rates rise, how are you handling being 100% invested in stocks, which can realistically lose 50% of their value in a relatively short period of time? If you're moving from 100% stocks to 80% stocks / 20% bonds, I can only as...
by mikeportfolio
Fri Jul 05, 2013 10:09 am
 
Forum: Investing - Theory, News & General
Topic: Confused on bond funds and all the bad news
Replies: 26
Views: 3066

Re: Money market/CD decisions

Another thing I learned was not to several CDs for a given term rather than one large one. e.g. Five 50k CDs rather than One 250k CDs. If you do need to terminate you can avoid paying a penalty on the whole 250k if you only need some of those funds. FYI, some banks (e.g. Barclays Online) allow part...
by mikeportfolio
Thu Jul 04, 2013 8:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Money market/CD decisions
Replies: 19
Views: 2041

How to allocate contributions to taxable/401k?

I have a 3-fund portfolio split among several accounts, and a soon-to-be-opened 401k. I'm looking to contribute $3,000 lump-sum per quarter into my taxable account, and to max out my 401k for the rest of the year (which will amount to $8,750 per quarter for the rest of the year since I am stating la...
by mikeportfolio
Thu Jun 06, 2013 8:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to allocate contributions to taxable/401k?
Replies: 3
Views: 342

Re: My thoughts on the drop in bond prices after Bernanke ta

Newbie here.. I assume it's safe to say this same principle applies to CDS? That implies to me opening a 5-year CD is likely better than creating a ladder (barring liquidity concerns).
by mikeportfolio
Fri May 24, 2013 10:27 am
 
Forum: Investing - Theory, News & General
Topic: My thoughts on the drop in bond prices after Bernanke talk
Replies: 43
Views: 4342

Re: What to do for short/med term money, and mtge considerat

Thanks all for the advice. Some combination of CDs/i-bonds/savings bonds seems like a safe idea. I will also look into refinancing, and particularly a no-cost one. 1) Are you going to roll over your old 401K to a Traditional IRA at Vanguard, roll it over to your new employers 401K, or leave it where...
by mikeportfolio
Sat May 18, 2013 2:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do for short/med term money, and mtge considerations
Replies: 4
Views: 435

What to do for short/med term money, and mtge considerations

I recently got my retirement funds in order by writing an IPS, viewing all my accounts as a single portfolio, choosing an AA, and moving out of target date funds into a 3-fund-style portfolio (which many here helped me with, so thank you). However now I am trying to figure out what to do with my sav...
by mikeportfolio
Fri May 17, 2013 10:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do for short/med term money, and mtge considerations
Replies: 4
Views: 435

Re: Employer is letting me decide which 401k plan to choose

Thanks everyone for the comments. It sounds like Plan A (planright) is best, but "Plan C" (Employee Fiduciary) would be much better. Does anyone know how difficult/costly it is to set that up? The reason the above 2 plans are viable is because they are already integrated with our HR servic...
by mikeportfolio
Sat May 11, 2013 9:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Employer is letting me decide which 401k plan to choose
Replies: 16
Views: 1802

Re: Employer is letting me decide which 401k plan to choose

Thanks everyone for your thoughts. It's an excellent point that for other employees who are less knowledgeable, their choices will on average be more expensive with the worse fund choices, even if there is a single "best" choice that is actually cheaper (and again, only slightly). That alo...
by mikeportfolio
Thu May 09, 2013 10:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Employer is letting me decide which 401k plan to choose
Replies: 16
Views: 1802

Employer is letting me decide which 401k plan to choose

My employer is letting me help decide between two 401k plans they can choose from. In fact he's basically leaving it up to me to make the decision, which I am happy to do, but to me there isn't a clear-cut winner, so I'd like to hear what others think. I'd really appreciate if anyone can chime in. H...
by mikeportfolio
Thu May 09, 2013 9:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Employer is letting me decide which 401k plan to choose
Replies: 16
Views: 1802

Re: Changing cost basis from average cost -> spec id

Thanks! The relevant bit seems to be: If you change to another method from average-basis, all shares keep their average basis (i.e., they retain the basis computed prior to the change). If I understood it correctly, it means the existing shares retain average cost basis, and any newly added shares c...
by mikeportfolio
Sat May 04, 2013 10:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Changing cost basis from average cost -> spec id
Replies: 3
Views: 436

Changing cost basis from average cost -> spec id

A few years ago I sold part of my stake in a Vanguard mutual fund, which spanned several tax lots. I took the lazy way out and reported the loss using average cost. Now I'm a little confused how that affects the remaining shares, as well as new shares I'd like to purchase. If I were to sell those re...
by mikeportfolio
Sat May 04, 2013 8:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Changing cost basis from average cost -> spec id
Replies: 3
Views: 436

Re: Splitting my portfolio across taxed/non-taxed accounts

mikeportfolio , your plan makes sense. Good to hear :happy Can you roll the old Fidelity 401k into the old Mercer 401k? The options are better and it would simplify things. Unfortunately I can't. I had the exact same thought, but checked with Mercer and they don't accept rollovers since I am no lon...
by mikeportfolio
Sat May 04, 2013 12:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Splitting my portfolio across taxed/non-taxed accounts
Replies: 7
Views: 1381

Re: Splitting my portfolio across taxed/non-taxed accounts

I think you have a good plan. To reiterate previous posts, you should be looking for a no cost refinance and 80/20 is well within the ballpark. Just try to decide if you can hold on no matter how bad it gets - it's hard to know until you have to do it! Really, will you be able to rebalance into sto...
by mikeportfolio
Fri May 03, 2013 11:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Splitting my portfolio across taxed/non-taxed accounts
Replies: 7
Views: 1381

Re: Splitting my portfolio across taxed/non-taxed accounts

What your proposing makes sense. I don't have a problem with 80/20 either. Since I am a bit more than twice your age I will tell you that the size of a bond holding should be high if you think your the kind of a person who would panic and sell out at a stock market low. If you can stand the volatil...
by mikeportfolio
Fri May 03, 2013 10:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Splitting my portfolio across taxed/non-taxed accounts
Replies: 7
Views: 1381

Splitting my portfolio across taxed/non-taxed accounts

I am going to invest new funds into an existing taxable account, and for the first time I want to consider my taxable + non-taxables as 1 portfolio for tax efficiency. In the process I want to reduce costs where possible, and have some better control of fund placement (i.e. get out of target retirem...
by mikeportfolio
Fri May 03, 2013 8:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Splitting my portfolio across taxed/non-taxed accounts
Replies: 7
Views: 1381

Re: Treating multiple accounts as 1 portfolio

If your overall portfolio needs to be tapped for this "unkown large purchase" in [say] 15 years, then you rebalance at that time. That makes sense to me. I guess I am also struggling with the specifics of needing to manage different funds across 4 accounts (two 401, 1 Roth, 1 taxable), an...
by mikeportfolio
Fri May 03, 2013 8:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Treating multiple accounts as 1 portfolio
Replies: 9
Views: 1025

Re: Treating multiple accounts as 1 portfolio

Thanks for the link. I hadn't thought of that type of strategy. I'm assuming the money-market aspect is simply to gain more interest on an emergency fund than have it sit in savings? Or is that necessary to the strategy to keep part of the money "safe"? You might want to roll the 401(k)s t...
by mikeportfolio
Thu May 02, 2013 11:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Treating multiple accounts as 1 portfolio
Replies: 9
Views: 1025

Treating multiple accounts as 1 portfolio

Hi all. Beginner investor and newbie to the forum here. (see financial specifics below in case it helps) The common wisdom is that you should consider all your accounts as a single portfolio, and place asset classes into the appropriate accounts: tax-inefficient ones into non-taxable accounts (e.g. ...
by mikeportfolio
Thu May 02, 2013 8:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Treating multiple accounts as 1 portfolio
Replies: 9
Views: 1025

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