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Re: Best Fit for Core Funds

more specifically, if i were going to roll my own, i'd probably just hold intermediate bonds. much simpler and probably a lot cheaper. I really only have 3 choices in my core 401K for bond funds; VBTIX, PTTRX and the Fidelity stable value fund. I have considered moving funds out of my 401K into a I...
by mphilips
Wed Jul 03, 2013 4:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best Fit for Core Funds
Replies: 19
Views: 3381

Re: Best Fit for Core Funds

I do appreciate that the target funds take care of the re-balancing for you but I am tending to think that I want to maintain a certain allocation even once I am in retirement and mixing the 2 funds is sort of a hack to obtain the allocation that I really want but does not exist in any one target fu...
by mphilips
Tue Jul 02, 2013 6:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best Fit for Core Funds
Replies: 19
Views: 3381

Re: Best Fit for Core Funds

Anyone?
by mphilips
Wed Jun 26, 2013 5:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best Fit for Core Funds
Replies: 19
Views: 3381

Re: Best Fit for Core Funds

I'd be interested in hearing what the forum thinks about the pros/cons between the following 2 50/50 allocations 1.) 60% VTXVX / 40% VTENX ( mix of Vanguard 2010 and 2015 target retirement ) 0.16% fees 2.) 28% VIIIX - Vanguard Institutional Index 6% VMCIX - Vanguard Mid Cap Index 6% VSCIX - Vanguard...
by mphilips
Thu Jun 20, 2013 5:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best Fit for Core Funds
Replies: 19
Views: 3381

Re: Best Fit for Core Funds

Thanks for clearing this up. I did notice is that even though "market capitalization" displayed the discrepancy the "industry sectors" lined up very closely.
by mphilips
Sun Jun 16, 2013 10:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Best Fit for Core Funds
Replies: 19
Views: 3381

Re: Best Fit for Core Funds

Vanguard's small-cap index has some mid-caps by the usual definition; it's about the bottom 15% of the market. It doesn't overlap with the mid-cap index, which is about the next 15%. Thus, to get a total market allocation with the three funds you have, your US allocation would be 70% Institutional ...
by mphilips
Sat Jun 15, 2013 10:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Best Fit for Core Funds
Replies: 19
Views: 3381

Re: Should I do an in-service rollover

Creating my own mix of funds or having a better choice to do that with is why I asked the question of doing an in-service rollover. True I could create a mix of funds which approximates what I would do if I could invest in any Vanguard fund but not exactly. Also I am not saying I necessarily disagre...
by mphilips
Wed Feb 13, 2013 11:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I do an in-service rollover
Replies: 11
Views: 1035

Re: Should I do an in-service rollover

Is it really this simple? Choose one fund and let it ride? I look at at the posts on bogleheads and I am just amazed at the wealth of knowledge available. So I feel that I must be missing something. I recently moved from a mix of higher cost funds into the VTINX fund because I wanted to lessen cost ...
by mphilips
Sun Feb 10, 2013 9:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I do an in-service rollover
Replies: 11
Views: 1035

Should I do an in-service rollover

Emergency funds: I have this Debt: No Debt Tax Filing Status: Married Filing Jointly Tax Rate: 25% Federal, 5.45% State State of Residence: OH Age: 59 1/2 Desired Asset allocation: 40% stocks / 60% bonds Desired International allocation: 12% of stocks Size of your current total portfolio (low six-fi...
by mphilips
Sat Feb 09, 2013 11:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I do an in-service rollover
Replies: 11
Views: 1035

Re: Best Fit for Core Funds

I am currently invested 100% in VTINX but I am interested in having more exposure to stocks. VTENX may be the answer.
by mphilips
Sat Jan 26, 2013 3:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best Fit for Core Funds
Replies: 19
Views: 3381

Re: Best Fit for Core Funds

In my 401K core account I have a number of Vanguard Index funds to choose from but they left out an important one VTSMX. Instead they offer a variety of index funds for different market caps which are listed above. So in order to have the 3 fund portfolio I have to use 5 funds. Another comment about...
by mphilips
Fri Jan 25, 2013 4:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best Fit for Core Funds
Replies: 19
Views: 3381

Re: Best Fit for Core Funds

One more question... if the target retirement funds don't offer the 40 / 60 allocation that I am looking for is there anything wrong with a mix of the target funds themselves. For example 60% VTENX and 40% VTINX creates an asset allocation that is very close to 40 / 60 ... It also includes 2 % in ca...
by mphilips
Fri Jan 25, 2013 1:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best Fit for Core Funds
Replies: 19
Views: 3381

Re: Best Fit for Core Funds

Vanguard's small-cap index has some mid-caps by the usual definition; it's about the bottom 15% of the market. It doesn't overlap with the mid-cap index, which is about the next 15%. Thus, to get a total market allocation with the three funds you have, your US allocation would be 70% Institutional ...
by mphilips
Fri Jan 11, 2013 11:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Best Fit for Core Funds
Replies: 19
Views: 3381

Re: Best Fit for Core Funds

Merry Christmas and Happy New Year... thanks for your input.
by mphilips
Sat Jan 05, 2013 11:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Best Fit for Core Funds
Replies: 19
Views: 3381

Best Fit for Core Funds

Given the following fund choices (available in my core plan) what is the best 60/40 allocation? Stock Investments Large Cap VANG GRTH INDEX INST VANG VAL INDEX INST VANGUARD INST INDEX Mid-Cap FID LOW PRICED STK K FID MID CAP STOCK K VANG MIDCAP IDX INST Small Cap ABF SM CAP VAL INST VANG SM CAP IDX...
by mphilips
Tue Dec 25, 2012 10:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Best Fit for Core Funds
Replies: 19
Views: 3381

Re: Rework my retirement portfolio

I simplified my retirement assets by moving all 401K money into the Vanguard Retirement Income Fund VTINX. I am trying to figure out how to best reallocate my taxable accounts without losing too much money in the process. My Vanguard account now has only Vanguard Total Stock Market Index (VTSMX) and...
by mphilips
Sun Dec 09, 2012 1:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rework my retirement portfolio
Replies: 24
Views: 2032

Re: Rework my retirement portfolio

I am trying to digest all of this and I thank you all for being so forth coming with ideas and advice. Given that a conservative index fund portfolio is suggested, how does one decide (or does it matter) which index funds you choose other than fees and expenses. re: The first suggestion with 7% VTI ...
by mphilips
Sun Nov 18, 2012 7:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rework my retirement portfolio
Replies: 24
Views: 2032

Re: Rework my retirement portfolio

As we have no outstanding large debt I estimate my current living expenses at 4500 / month. I currently make low 6 figures but if I had my choice I would retire today; my main reason is that I am sort of burning out and I place a high value on caring for my wife. Another unknown in my equation is th...
by mphilips
Sun Nov 18, 2012 1:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rework my retirement portfolio
Replies: 24
Views: 2032

Re: Rework my retirement portfolio

I tried to follow the post about "Asking Portfolio Questions" which says to list all of your accounts both taxable and non-taxable and show individual investments as a % of the total. I have about 100K in my taxable accounts which include the ShareBuilder brokerage account, a Vanguard savi...
by mphilips
Sun Nov 18, 2012 6:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Rework my retirement portfolio
Replies: 24
Views: 2032

Re: Rework my retirement portfolio

Yes. I combined all of my accounts (taxable and non-taxable) and listed each investment as a % of the total. My current contribution amount for my 401K is allocated toward a Smart 401K recommendation of FDRXX FIDELITY CASH RESERVES 5% BSCFX BARON SMALL CAP FD 8% CLVFX CROFT VALUE FUND 16% EXWAX MANN...
by mphilips
Sun Nov 18, 2012 3:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Rework my retirement portfolio
Replies: 24
Views: 2032

Rework my retirement portfolio

I am an investor who has expended a lot of energy trying to do the right thing with my investments. Because of this I have done a bit too much tweaking and adjusting, trying new ideas and moving investments around. I admit that I am not very good at managing money. The more I read and listen to inve...
by mphilips
Sat Nov 17, 2012 3:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rework my retirement portfolio
Replies: 24
Views: 2032

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