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Re: What happened to SoCal Chapter?

I've wondered about this too.

I'm in the LA area, and would be willing to attend a local meeting too.

Perhaps if there's enough demand, we can get it going once again.
by moneytobless
Tue Mar 18, 2014 5:33 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: What happened to SoCal Chapter?
Replies: 7
Views: 1395

Re: Help, I'm a confused investor

Angelus359,

Consider Vanguard LifeStrategy Growth Fund (VASGX), with an 80/20 stock/bond split. Or Vanguard LifeStrategy Moderate Growth Fund (VSMGX), with a 60/40 stock/bond split.
by moneytobless
Tue Mar 04, 2014 3:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help, I'm a confused investor
Replies: 14
Views: 1270

Re: Additional fund investments

Hi SteelMushroom, First, how much did you contribute to the IRA? If you contributed the entire $5,500, you won't be able to add any more money and diversify this year. What other funds would you want to diversify with? Adding other funds usually require a $1,000-$3,000 minimum deposit, so I think th...
by moneytobless
Fri Nov 01, 2013 1:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Additional fund investments
Replies: 3
Views: 369

Re: Please help with my AA.

Hi newbees, Based just on the info you provided and your age, 20% in bonds may seem too risky. A lot of people suggest putting your age in bonds, so in your case, perhaps a 60/40 stock/bond allocation would be a better fit. A lot of people are also fans of creating the three-fund portfolio across al...
by moneytobless
Fri Nov 01, 2013 12:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please help with my AA.
Replies: 3
Views: 409

Re: Investing for the long haul, but could need the money so

I think dbr gives great advice. If you open a taxable account, I'd put the money in a stock index fund, and make sure all of your accounts line up together according to your desired allocation. Since the money in your taxable account would be for the long-term, if it declines in value, you could als...
by moneytobless
Fri Nov 01, 2013 11:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing for the long haul, but could need the money sooner
Replies: 7
Views: 596

Re: Best place to set aside money for 2014 IRAs?

If you can fund your 2014 Roth with other money, how about put the $11,000 in a taxable account? If the value goes down, you can tax loss harvest and reduce your income taxes. Check out these two posts.

Tax loss harvesting
Principles of tax-efficient fund placement
by moneytobless
Wed Oct 30, 2013 5:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best place to set aside money for 2014 IRAs?
Replies: 6
Views: 1056

Re: Getting Started As An Advisor

Hi ThePrune,

I'm interested in doing what you do now.

Can I ask how you got started?

Where do you teach? How did you approach them? How did you get their buy-in to teach the course?
by moneytobless
Fri Oct 18, 2013 5:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Getting Started As An Advisor
Replies: 18
Views: 2354

Re: Girlfriend's Portfolio Review

Hi jnet2000, Here's what I'd do. With the 5% in her 457, put it in the Vanguard(R) Total Bond Market Index Fund. With the 50% in her Roth, split it between Vanguard Total Stock Market Index Fund and Vanguard Total Bond Market Index Fund. With the 35% in her taxable, split it between Vanguard Total S...
by moneytobless
Fri Sep 13, 2013 5:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Girlfriend's Portfolio Review
Replies: 3
Views: 669

Re: funds waiting to be invested - pl help

Hi n00b_to_investing, If you'd like your money in an FDIC-insured account, consider an online savings account at a bank such as Ally or Capital One 360. From there, you can set up free automatic transfers to your Vanguard funds. Capital One 360 is also offering a $25 bonus if you open an account as ...
by moneytobless
Thu Sep 12, 2013 1:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: funds waiting to be invested - pl help
Replies: 7
Views: 568

Re: My First Post [Portfolio help]

Hey german, To get to your desired allocation and to simplify your portfolio, I'd do this: 20% in your F Fund and 32% in your I Fund in your 401k. The remaining 48% between your C Fund and S Fund in your 401k, and Total Stock Market in your Roth. To approximate the Total Stock Market, use 80% C Fund...
by moneytobless
Wed Aug 28, 2013 4:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: My First Post [Portfolio help]
Replies: 7
Views: 605

Re: New Boglehead - Portfolio Review/Advice

Timberman77, BolderBoy is right on the money. I recommend investing enough to get the match, and then putting all your money towards getting out of debt. Then you can focus on investing and building wealth. Put all 10% of your bonds in your 401k using VBMPX. Then you won't need any bonds in your Rot...
by moneytobless
Wed Aug 28, 2013 1:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Boglehead - Portfolio Review/Advice
Replies: 12
Views: 1012

Re: Portfolio and Allocation Feedback Requested

Hilltopper100,

I also recommend and use Ally Bank, because they allow you to designate a beneficiary (POD account).
by moneytobless
Wed Aug 28, 2013 1:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio and Allocation Feedback Requested
Replies: 4
Views: 219

Re: Employer changing 401(k) providers...need allocation hel

Hi mycal75, At your age, 20% bonds seems too risky. It's generally recommended to hold your age in bonds. Here's what I suggest: Asset allocation: 50% stocks / 50% bonds Desired International allocation: 20% of stocks And here are the funds I suggest: 40% - T. Rowe Price Equity Index 500 Fund 10% - ...
by moneytobless
Mon Aug 19, 2013 3:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Employer changing 401(k) providers...need allocation help
Replies: 6
Views: 978

Re: 401k Allocation Advice

Hi milkandrelish,

If you truly want to be "set it and forget it," then yes - FID Freedom 2055 will be good.

Is your Vanguard Total Bond Market fund in a taxable account? If so, that's not the best place to put it.

Read this wiki: Principles of Tax-Efficient Fund Placement
by moneytobless
Fri Aug 16, 2013 6:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k Allocation Advice
Replies: 11
Views: 883

Re: 401k fund options help

Hi mojave,

In a nutshell, a stable value fund resembles bonds, with low risk/reward.

I'd follow ruralavalon's allocation strategy.
by moneytobless
Tue Aug 13, 2013 6:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k fund options help
Replies: 7
Views: 593

Re: 457b fund choices - Dodge & Cox/P.I.M.C.O. vs. Index Fun

Hi bj5816,

Between your wife's SSgA index fund that covers domestic equity, and both of your SSgA funds, you've got the Three-fund portfolio covered.

You should be in a good place.
by moneytobless
Tue Aug 13, 2013 5:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: 457b fund choices - Dodge & Cox/P.I.M.C.O. vs. Index Funds
Replies: 8
Views: 339

Re: Requesting help with portfolio

Hi chielement, I think zyx gave you some good advice. I also recommend maxing out your 401k with the WF/BlackRock S&P 500 Index, because you get a match. To mimick the Total Stock Market, I'd use Vanguard Mid-Cap and Small-Cap funds in your rollover IRA's. I'd also fulfill your bond allocation u...
by moneytobless
Mon Aug 12, 2013 1:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Requesting help with portfolio
Replies: 31
Views: 2425

Re: Book Recommendations to learn more about Sales technique

Mrfantastiko, In regards to business, I've read and recommend: The Personal MBA: Master the Art of Business , because it helped me understand all the different parts that make up a successful business. Bankable Business Plans , because it helped me understand the steps needed to start a successful b...
by moneytobless
Fri Aug 02, 2013 11:35 am
 
Forum: Personal Consumer Issues
Topic: Book Recommendations to learn more about Sales technique
Replies: 11
Views: 844

Re: Reading list for novice

Hey jim47,

I like I Will Teach You To Be Rich, because it's easy to read yet contains useful advice.
by moneytobless
Wed Jul 31, 2013 7:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reading list for novice
Replies: 6
Views: 434

Re: Book Recommendations to learn more about Sales technique

Hey Mrfantastiko,

I've read and recommend these two:

The Sales Bible
SPIN Selling

Good luck!
by moneytobless
Wed Jul 31, 2013 7:47 pm
 
Forum: Personal Consumer Issues
Topic: Book Recommendations to learn more about Sales technique
Replies: 11
Views: 844

Re: Help with mother's portfolio

sunvalley, Good to see you interested in getting your mom's finances in better shape. 1) I think your desired allocation is sound. Looks like you're going with the "age in bonds" rule. 2) Can you list all the available options in her 401k, including the fees? 3) Since you already helped he...
by moneytobless
Tue Jun 04, 2013 12:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with mother's portfolio
Replies: 7
Views: 710

Re: Portfolio Review, with a few specific questions...

justsomeguy, Have you read this wiki? Principles of Tax-Efficient Fund Placement Here's a suggestion. Consider your two IRA's as one. According to your desired allocation, one possibility is: IRA 1 20% Total Bond (VBTLX) 7% REIT (VGSIX) IRA 2 42% Total Stock (VTSAX) 7% Small-Cap Value (VSIAX) Taxabl...
by moneytobless
Fri May 31, 2013 5:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review, with a few specific questions...
Replies: 8
Views: 584

Re: Portfolio Rebalance Question

BigMrRitz, Why don't you just contribute more to her Traditional IRA to get to your desired bond allocation? You're allowed to do so. And I agree with Stan Dup. Your funds are set up pretty nicely across your accounts to be able to rebalance easily. But just consider adding a mid-cap and/or small-ca...
by moneytobless
Fri May 31, 2013 3:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Rebalance Question
Replies: 6
Views: 527

Re: Allocation in Multiple Accounts - Portfolio Review

Stan Dup, Great job reading about approximating the Total Stock Market and asset allocation. Yes, your strategy will work. I have a couple of suggestions that I think may help you. First, with $80,000 in your Traditional IRA, you qualify for the lower-cost admiral shares for all three funds. Second,...
by moneytobless
Thu May 16, 2013 2:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Allocation in Multiple Accounts - Portfolio Review
Replies: 5
Views: 358

Re: Please help picking funds for 401K

Parasky, I think bdpb makes good points. I'd put US and International stocks in the 401k, and buy the Total Bond Market in your Roth. But here's another idea: If you'd like to approximate the Total US Stock Market , you can use these 3 funds. FUSEX - 81% PESPX - 11% DISSX - 8% If you do this, you'd ...
by moneytobless
Wed Apr 17, 2013 4:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please help picking funds for 401K
Replies: 6
Views: 652

Re: help selecting funds for three fund portfolio

Hey alexnk,

I think hoppy08520 hit the nail on the head. If you want to follow the 3-fund portfolio, add TRBIX as well. With 83% of your US stock allocation in TRSPX and 17% in TRBIX, you'll approximate the US total stock market.

Check this out: Approximating Total Stock Market
by moneytobless
Mon Mar 25, 2013 12:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: help selecting funds for three fund portfolio
Replies: 5
Views: 555

Re: VEU or VXUS for 3-fund portfolio

I agree with BBL. But if you do this in a taxable account, VEU may be a good replacement fund if you tax-loss harvest.
by moneytobless
Wed Mar 20, 2013 2:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: VEU or VXUS for 3-fund portfolio
Replies: 8
Views: 1099

Re: 29yr old. Requesting portfolio advice

Hey Onyxmeth, Regarding your first two questions, due to the high fees, I'd stick to the S&P 500 Index fund in your 401k. Regarding your last two questions I'd open up a Roth IRA. Like the others have mentioned, 10% in bonds seems too risky, and 20% seems more appropriate. Default User BR gave a...
by moneytobless
Wed Mar 20, 2013 2:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: 29yr old. Requesting portfolio advice
Replies: 10
Views: 909

Re: Already invested - what to do with remaining cash

Hey InvestorNewb,

The only things I can think of - for purposes of tax efficiency - are municipal bonds or tax-exempt money market funds.

Municipal Bonds
by moneytobless
Mon Mar 11, 2013 4:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Already invested - what to do with remaining cash
Replies: 5
Views: 377

Re: Evaluate my portfolio - late twenties

Hi RAWR, Welcome to the forums. You have a good-sized portfolio for your age. For your 401k from your previous job, I'd move it to a company where you'll get lower-cost funds, such as Fidelity or Vanguard. Since your Roth is already at Fidelity, maybe Fidelity is the better choice, to keep the numbe...
by moneytobless
Tue Mar 05, 2013 6:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Evaluate my portfolio - late twenties
Replies: 7
Views: 702

Re: 401K advice needed please

Hey itengineer, Welcome to the forums. If you provide more information, you'll get a much better response. Have you read these resources first? Investment Planning http://www.bogleheads.org/forum/viewtopic.php?f=1&t=6211 Asking Portfolio Questions http://www.bogleheads.org/forum/viewtopic.php?t=...
by moneytobless
Thu Feb 28, 2013 2:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K advice needed please
Replies: 8
Views: 536

Re: Asset Allocation Help

Hi clpett, Have you heard of the Core Four Portfolio? It somewhat resembles the allocation you have, and has the four-fund requirement you're after. http://www.bogleheads.org/wiki/Lazy_Portfolios What do you mean by rebalancing to a non-moving target allocation? Normally, people manually add more bo...
by moneytobless
Wed Feb 27, 2013 5:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Help
Replies: 25
Views: 1315

Re: Starting our IRAs - initial contribution

Hi mojave, You can start a Roth at Vanguard with $1,000. As mhc mentioned, Vanguard's Target Retirement funds have a $1,000 minimum.If you're currently in a Target 2050 fund, and your husband is more risk adverse, maybe he could consider the Target 2025 fund, which is 70% stocks/30% bonds. https://p...
by moneytobless
Wed Feb 27, 2013 3:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Starting our IRAs - initial contribution
Replies: 5
Views: 371

Re: Another spouse left in charge

Hey spowsincharge, Welcome to the forums. Here are my thoughts. 1) Yes, definitely consolidate. You can transfer both of his Rollover IRA's, and his Roth IRA, to Vanguard. Then you'll pay less money in fees, and have them in one location with just one login/password to remember. Do the same thing wi...
by moneytobless
Fri Feb 22, 2013 6:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Another spouse left in charge
Replies: 14
Views: 1382

Re: assistance getting towards AA

Hey Stephen03, I think you've received great insight from BolderBoy and LadyGeek. Specifically, consider simplifying your holdings using the 3 fund porfolio, and increasing your allocation to bonds. Personally, since your 31 years old, I'd suggest a minimum of 20% in bonds. FYI, you can approximate ...
by moneytobless
Wed Feb 20, 2013 3:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: assistance getting towards AA
Replies: 5
Views: 357

Re: amateur seeks advice about funds in 401k

Hey jonathansm, Welcome to the forums. 1) As you mention in your second question, I think the 3 fund portfolio would be easier and cheaper for you to manage. You can approximate the Total Stock Market with a combination of 82% VINIX and 18% VSGIX. 2) If you are going to implement the 3 fund portfoli...
by moneytobless
Wed Feb 20, 2013 1:41 am
 
Forum: Investing - Help with Personal Investments
Topic: amateur seeks advice about funds in 401k
Replies: 4
Views: 571

Re: ?s on opening TIRA/Roth IRA at Vanguard

Hi neophyte, 1) As mhc mentioned, it's easy and free to set up automatic contributions to a mutual fund from an external checking account. 2) As nydad mentioned, purchasing Vanguard mutual funds is free. Vanguard ETF's are also free. Check out this page for more info. https://personal.vanguard.com/u...
by moneytobless
Tue Feb 19, 2013 6:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: ?s on opening TIRA/Roth IRA at Vanguard
Replies: 10
Views: 712

Re: Have I made smart fund choices?401k&after tax. Please ad

Hi darthvader747, If you want to simplify and follow the 3 fund portfolio with 70% stocks, 30% bonds, and international stocks making up 20% of your stock allocation, this is what your allocation would look like: 48% SSGA FLAG 500 INDX 8% SSGA R2000 INDX 14% Vanguard Total International Stock Index ...
by moneytobless
Mon Feb 18, 2013 2:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Have I made smart fund choices?401k&after tax. Please advise
Replies: 34
Views: 2453

Re: Portfolio Overhaul for 25 y/o

Hi clace, You seem to be in a pretty good position for a 25 year old with good income and existing retirement portfolio. 1)For the sake of simplicity, I’m a big fan of the 3 fund lazy portfolio. http://www.bogleheads.org/wiki/Three-fund_portfolio#cite_note-8 Since you have a taxable account, I’d als...
by moneytobless
Sun Feb 17, 2013 7:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Overhaul for 25 y/o
Replies: 3
Views: 505

Re: Help me choose between 4 Vanguard Funds

Hi darthvader747, The page on tax-efficient investing is a good resource. http://www.bogleheads.org/wiki/Principles_of_Tax-Efficient_Fund_Placement If you’re investing after-tax money in a taxable account, VFINX makes the most sense tax-wise. All the other funds have bonds, which shouldn’t be in tax...
by moneytobless
Sun Feb 17, 2013 1:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Help me choose between 4 Vanguard Funds
Replies: 7
Views: 1322

Re: 23 y/o starting out

Hi ubiquitous, A few questions: Is the PRGFX fund in a taxable account? As icefr mentioned, can you provide the expense ratios for your 401k funds? I'll piggyback on BrandonBogle's post. If you're going to open up a Roth, it's helpful to consider all your accounts (Roth, 401k, taxable investments, e...
by moneytobless
Fri Feb 15, 2013 12:20 am
 
Forum: Investing - Help with Personal Investments
Topic: 23 y/o starting out
Replies: 5
Views: 639

Re: Books for Selling Consulting/Engineering Services

Hi canga, Try Secrets of Consulting by Gerald M. Weinberg http://www.amazon.com/The-Secrets-Consulting-Getting-Successfully/dp/0932633013/ref=sr_1_1?ie=UTF8&qid=1360895629&sr=8-1&keywords=Secrets+of+Consulting Alan Weiss is also known as an expert in consulting. Check out Getting Started...
by moneytobless
Thu Feb 14, 2013 10:36 pm
 
Forum: Personal Consumer Issues
Topic: Books for Selling Consulting/Engineering Services
Replies: 5
Views: 534

Re: rolling over 401K [Portfolio Help]

Hi mundus, If you have a Roth as well as a Traditional IRA, you should treat them both as one combined portfolio, as mentioned earlier. Personally, with a 0.34% expense ratio, I'd exchange the STAR fund and add the money to your overall allocation following the 3-fund lazy portfolio. This would resu...
by moneytobless
Wed Feb 13, 2013 3:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: rolling over 401K [Portfolio Help]
Replies: 6
Views: 425

Re: New Boglehead New Help with 401k Rollover [Portfolio]

Hi opjam, Most bogleheads think the appropriate allocation for bonds is equal to your age. So since you're 41 years old, that would mean about 40% in bonds. But you want 15% in bonds, which is taking on a lot more risk than many suggest. Also, do you have other retirement accounts? If so, they shoul...
by moneytobless
Tue Feb 12, 2013 10:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Boglehead New Help with 401k Rollover [Portfolio]
Replies: 4
Views: 312

Re: rolling over 401K [Portfolio Help]

Hi mundus, I think hoppy08520 makes a great point in that we should clarify if you have other retirement accounts. If so, they should all be treated as one big pot. If not, and you have $40,000 at age 52, you may want to consider something like the lazy portfolio. With 40% in bonds, and 20% of your ...
by moneytobless
Tue Feb 12, 2013 8:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: rolling over 401K [Portfolio Help]
Replies: 6
Views: 425

Re: HSBC lowers their rate again

One thing you may want to consider before switching banks is to see if the new bank offers Payable on Death accounts. It helps bypass probate, saving you time and money. This may make more sense as your account balance grows. I recently switched from ING Direct to Ally, because Ally offers this (as ...
by moneytobless
Tue Feb 12, 2013 7:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSBC lowers their rate again
Replies: 19
Views: 2836

Re: Target Fund--How to figure in Asset Allocation?

Hi saferthansome, 1) I think whether the VFORX fund makes sense for her depends more on your tolerance for risk, than on your tax bracket. As Khanmots noted, it's made up of 10% bonds. Will you be comfortable with that amount of bonds? How old are you two? John Bogle recommends having your age in bo...
by moneytobless
Tue Feb 12, 2013 4:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Target Fund--How to figure in Asset Allocation?
Replies: 13
Views: 777

Re: Exchanging funds in Roth IRA.

I would think it depends on whether or not you reinvest them. I don't reinvest, but have my dividends moved to my money market account. So I don't include dividends in my account total. But if you do reinvest, then they would be a part of your total when rebalancing.
by moneytobless
Mon Feb 11, 2013 8:15 pm
 
Forum: Investing - Theory, News & General
Topic: Exchanging funds in Roth IRA.
Replies: 5
Views: 245

Re: Company Changing 401k Providers...Also Gross vs Net Expe

Hi JJP, Just based on the expense ratios alone (.18% vs .83%), I'd go with Vanguard. https://personal.vanguard.com/us/funds/snapshot?FundId=1487&FundIntExt=INT http://www.schwab.com/public/schwab/investing/investment_help/investment_research/mutual_fund_research/mutual_funds.html?path=%2fProspec...
by moneytobless
Fri Feb 08, 2013 6:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Company Changing 401k Providers...Also Gross vs Net Expenses
Replies: 5
Views: 588

Re: Calculating Tax Efficient Amounts

Excellent. Thanks for the clear explanation David!
by moneytobless
Fri Feb 08, 2013 1:09 pm
 
Forum: Investing - Theory, News & General
Topic: Calculating Tax Efficient Amounts
Replies: 2
Views: 280
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