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Re: Inflation Protected Securities Fund

Thank you all for your kind comments. I will follow this advice. Is the fund in a tax advantage account. Target funds are an excellent choice and with 50% of the fund in equities and 8% in Short Term TIPS, I think you are fine. I would stay the course. I don't want to manage a 3 Fund portfolio with ...
by peddler12
Tue Apr 14, 2015 8:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Inflation Protected Securities Fund
Replies: 10
Views: 1009

Inflation Protected Securities Fund

I'm concerned about very high inflation over the coming years ahead. I would like to move about half of my Target Retirement 2015 into Inflation protected securities. I would like feedback on this potential move. What do you all think. Thanks in advance.
by peddler12
Mon Apr 13, 2015 8:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Inflation Protected Securities Fund
Replies: 10
Views: 1009

[TSP G Fund Possible Changes]

With congress essentially dropping the interest rate on the G Fund to nearly 0, would it be wise to move from L2020 to L2030 so as not to be so heavily in the G Fund. My risk tolerance is not very high. Thanks for the support. It's in the new Republican budget, but not law quite yet.
by peddler12
Thu Mar 26, 2015 10:58 am
 
Forum: Investing - Theory, News & General
Topic: [TSP G Fund Possible Changes]
Replies: 21
Views: 1148

Re: Bonds, REITs, Utilities, Commodities and Stocks down - W

On March 17th I will purchase about 38 shares of L2020 just like I will do for the next several years. Hears to hoping for a bear market. I'm in accumulation stage. Would love to see sale prices. Stay the course.
by peddler12
Sat Mar 07, 2015 7:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Bonds, REITs, Utilities, Commodities and Stocks down - Wow
Replies: 66
Views: 4503

Re: TSP [Portfolio help]

After seeing the light I put all my TSP funds in the L2020 fund. I strongly encourage you to put your contributions and current holdings in the L2030 fund and dollar cost average from here until you retire. Had I taken my own advice when the L Funds were established I would be a far richer man today...
by peddler12
Fri Feb 06, 2015 12:09 am
 
Forum: Investing - Help with Personal Investments
Topic: TSP [Portfolio help]
Replies: 24
Views: 2347

Re: How do you "Stay the Course"?

I must say I've truly enjoyed reading this thread. Thanks to all the posters who contributed to it.
by peddler12
Fri Jan 30, 2015 1:42 pm
 
Forum: Investing - Theory, News & General
Topic: How do you "Stay the Course"?
Replies: 71
Views: 6870

ROTH as a Emergency Fund Vehicle

Is using your ROTH IRA as a vehicle for your emergency fund a good idea?
by peddler12
Sat Jan 17, 2015 5:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: ROTH as a Emergency Fund Vehicle
Replies: 19
Views: 1993

Re: Ignore the "losses."

Hello everyone. I'm back again greatly humbled by my mistakes. I've decided to take the investment decisions out my hands and move into the TR 2015 Fund. I've put a great amount of my ROTH into the Total International Stock Index Fund (VTIAX). I'm down about %7,000.00 now. Do I make the move now or...
by peddler12
Fri Jan 16, 2015 12:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 11
Views: 960

Re: An All-Target Fund Portfolio

Hi Peddler: I think you might consider simplifying your portfolio from eight funds to three Target fund-of-funds: The L Fund in your TSP plan and a Vanguard Target Retirement Plan in each Roth account. Fund...stocks....fixed-income ..L.......56%..........44%......TSP TR 2010..55%.........45 %.....H...
by peddler12
Fri Jan 16, 2015 11:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 11
Views: 960

Re: Plan

I have unrealized losses in VTIAX of about 3,000.00. Im waiting for recovery to get back to what my allocation should be per my IPS. Thank you for reading.
by peddler12
Wed Nov 12, 2014 5:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Plan
Replies: 6
Views: 583

Re: Plan

Is this noise to be ignored?

No confirmed sell signals — but a little profit taking might be wise
by peddler12
Wed Nov 12, 2014 5:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Plan
Replies: 6
Views: 583

Plan

Folks. I have a good wife. Last night I was planning to buy more of VTIAX, so I asked my wife about it. She asked me are you sticking to your plan? A month or two ago I made a mistake of putting all my VTSAX into VTIAX at 28.81 because I misunderstood that international is supposed to be about 30% o...
by peddler12
Wed Nov 12, 2014 1:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Plan
Replies: 6
Views: 583

TSP Contribution

I am a believer who does tithe. Because of that I cannot max out my retirement accounts. Currently I'm maxing out one ROTH IRA and putting 20% of my salary into my TSP account. With the limit raised this year I would like to consider stopping the ROTH contribution and adding the money to the TSP acc...
by peddler12
Thu Oct 23, 2014 4:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: TSP Contribution
Replies: 7
Views: 862

Re: Sixth anniversary of worst week ever for stocks

Looking in Quicken at the end of the first week in October I bought the L2030 fund in my TSP account, but I did not stay the course. I was out of the fund by the end of December which is when I bailed on stocks in my ROTH accounts in both my wife's account and my account. It was December the 8th tha...
by peddler12
Fri Oct 10, 2014 12:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Sixth anniversary of worst week ever for stocks
Replies: 51
Views: 5782

Re: Two Questions [Asset allocation]

As an Update. Since I went to 24% of portfolio into international, the fund is down 9%. I'm not happy about this, but I'm not selling either. I've taken the opportunity to buy more shares at the lower prices. I bought shares today. I'm hoping that the fund will recover between now and the end of Dec...
by peddler12
Thu Oct 09, 2014 7:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Two Questions [Asset allocation]
Replies: 12
Views: 1032

Re: Two Questions [Asset allocation]

Thank you Pingo and MrBachelor. I've made a mistake. I will correct in November when I can move back into Total Stock Market. Thank you for explaining this to me. I'm grateful.
by peddler12
Sat Sep 06, 2014 12:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Two Questions [Asset allocation]
Replies: 12
Views: 1032

Re: Two Questions [Asset allocation]

I would like to very much thank all who responded to my post. I've made the necessary changes to increase my International to 24%. I had to sell the Total Stock Market in both my and my wife's accounts, so the only domestic is what I have in my TSP. Once again thank you all.
by peddler12
Fri Sep 05, 2014 9:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Two Questions [Asset allocation]
Replies: 12
Views: 1032

Two Questions [Asset allocation]

I've just reviewed my portfolio that I put together from the good advice that is given here. I have two questions. My Total International is 14.8% of my portfolio. My age is 53 and my wife's age is 56. My domestic equity position is 42% giving me a 56.8 stock and 43.2 bond mix. Do I have enough inte...
by peddler12
Fri Sep 05, 2014 7:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Two Questions [Asset allocation]
Replies: 12
Views: 1032

Jack Bogle on CNBC

Jack Bogle is going to be on CNBC is now over. One thing I got out of it is that investors trade far to much. The Spider ETF has a turnover rate of 7,000%. WOW! I used to be guilty of this myself. I traded far too often. Thank you Bogleheads for helping me do it the correct way. Buy & Hold and r...
by peddler12
Wed Sep 03, 2014 1:47 pm
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle on CNBC
Replies: 6
Views: 1344

Re: TSP share prices for Quicken

Thank you for responding so quickly and for fixing the problem.
by peddler12
Thu May 08, 2014 7:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: TSP share prices for Quicken
Replies: 63
Views: 8994

Re: TSP share prices for Quicken

Is there a reason that the CSV file has not updated for six days?
by peddler12
Thu May 08, 2014 7:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: TSP share prices for Quicken
Replies: 63
Views: 8994

Re: Investment help needed for 28yo

Ryan, I second, third, and fourth pay off that credit card. 19% is ridiculous. It's wasted money you don't need to be spending. I wish I could say I've never paid credit card interest, but that's not the case. I missed a payment once and owed interest for the next two months until I could get it pai...
by peddler12
Fri Apr 25, 2014 12:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment help needed for 28yo
Replies: 11
Views: 1507

Re: TSP share prices for Quicken

I have it straightened out. I had to rename the securities. It works now. Thank you.

Mike
by peddler12
Thu Mar 27, 2014 7:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: TSP share prices for Quicken
Replies: 63
Views: 8994

Re: TSP share prices for Quicken

No valid prices found to import is the message I got. Glad to know it will work in 2014. I just need to figure out what I'm doing wrong.

Mike
by peddler12
Thu Mar 27, 2014 7:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: TSP share prices for Quicken
Replies: 63
Views: 8994

Re: TSP share prices for Quicken

I tried importing this file into Quicken 2014. I was unsuccessful. Anything I can do to get it to work?
by peddler12
Thu Mar 27, 2014 6:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: TSP share prices for Quicken
Replies: 63
Views: 8994

Re: Another 5 year anniversary thread

Hello All, I'll put my two thoughts in. I was one that sold my ROTH in December of '08. I had sold my TSP much earlier in the year and only lost about 10% in '08, however I didn't go back into the market with my TSP until much later and missed much of the rebound that began in March of '09. My ROTH ...
by peddler12
Mon Mar 10, 2014 3:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Another 5 year anniversary thread
Replies: 7
Views: 870

Re: Building Up Cash

Sometimes there is a market decline in the summer. Perhaps will buy some then. Not necessarily waiting for a the market to go to 6,000. I look at it this way. Right now I'm getting more conservative. I highly doubt 2014 will be like 2013. Thanks for asking.
by peddler12
Sat Mar 08, 2014 1:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Building Up Cash
Replies: 6
Views: 1201

Re: Building Up Cash

I've been reading about ETF's here. I bought my first 6 shares of BND yesterday. My question is do I convert to the mutual fund investor shares when I have that amount saved or do I convert to admiral shares when I have that amount saved? I'm happy with the ETF, but I did read about the con's of own...
by peddler12
Sat Mar 08, 2014 12:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Building Up Cash
Replies: 6
Views: 1201

TSP Center

Hello All, I'm also a member of TSP Center which for the most part are those that are market timers. Today 53 people jumped from stocks into the G or the F Fund. Thank you for supporting stay the course. From the charts my losses in a 50% bear market will be about 23%, so I'm comfortable with that. ...
by peddler12
Mon Mar 03, 2014 4:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: TSP Center
Replies: 1
Views: 361

Building Up Cash

First let me say I'm 100% invested in the L2020 Fund in my TSP account and 100% invested in the Target Retirement 2015 in my ROTH IRA. You all may not agree with me, but I've decided to build up cash for a while. The S&P is at records and I don't want to invest in the funds any longer at this ti...
by peddler12
Fri Feb 28, 2014 6:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Building Up Cash
Replies: 6
Views: 1201

Re: Why 'buy and hold' isn't all it's cracked up to be

I just posted this article for comment. I hope you all enjoy it. Don't really like who authored it.
by peddler12
Fri Jan 03, 2014 4:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why 'buy and hold' isn't all it's cracked up to be
Replies: 6
Views: 1164

Why 'buy and hold' isn't all it's cracked up to be

Why 'buy and hold' isn't all it's cracked up to be

[Content in excess of copyright fair use removed by admin LadyGeek. See: Why 'buy and hold' isn't all it's cracked up to be]
by peddler12
Fri Jan 03, 2014 4:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why 'buy and hold' isn't all it's cracked up to be
Replies: 6
Views: 1164

Re: What was your 2013 return?

9.76% I'm still not staying the course. That will change as of tomorrow. I'll be 100% L2020 in my TSP. I will be 100% Target Retirement 2015 in both my Roth accounts for my wife and I. No longer am I going to try to time the market. If I am tempted to sell at a low, I'll post here to get all of you ...
by peddler12
Wed Jan 01, 2014 4:53 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] What was your 2013 return?
Replies: 209
Views: 9933

Re: What Was Your Best Portfolio move in 2013

Per the advice here I made the move this evening to exchange Target Retirement 2025 to the Target Retirement 2015 which matches the fund my wife is in. My TSP is fully invested in the L2020. If I'm good this coming year my only move will be to buy more of the funds I'm in. Thanks everyone for the gr...
by peddler12
Fri Dec 27, 2013 9:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: What Was Your Best Portfolio move in 2013
Replies: 125
Views: 7952

Re: Tips on staying the course...

Thank you all for the responses. After lurking this forum for quite a while and now registering and posting, I look back at how stupid I was in regards to my investing techniques. I'd literally make decisions based off a headline. Now I am getting more into the habit of shutting out financial/market...
by peddler12
Thu Dec 12, 2013 12:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Tips on staying the course...
Replies: 19
Views: 1498

Re: Tips on staying the course...

I'm a very poor market timer from way back. I have never left my funds alone. Always moving money from here to there. It's my hope that several will post to this thread. I have my IPS in place. I'm to old to keep doing what I've done in the past. I ask that many post to this thread. Stay the course....
by peddler12
Wed Dec 11, 2013 8:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tips on staying the course...
Replies: 19
Views: 1498

Portfolio Update

I'm doing my best to be a better investor. I'm learning about the Shiller pe and about the Q-Ratio. Looking at the charts these metrics can take years to return to the mean. Right now they are very elevated and with the market at all time highs I haven't bought stocks in many months. I realize I am ...
by peddler12
Sun Nov 24, 2013 7:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Update
Replies: 3
Views: 305

Re: best place to park $200K for a year?

Church Development Fund is offering an 11 Month CD at 2.85%. There is risk. 60 year track record. You have to be a member of a qualifying church.
by peddler12
Sat Nov 09, 2013 2:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: best place to park $200K for a year?
Replies: 22
Views: 2817

Next Vehicle Savings Account

I've just negotiated a great deal on a new vehicle which leaves me savings for my next purchase in the future. I just looked at Alliant Credit Union and a 3 year CD is paying 1.25%. Would putting the money in a Short-Term Investment Grade Bond fund be okay for the next 5 years to make a little extra...
by peddler12
Wed Aug 28, 2013 2:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax Consequenses
Replies: 10
Views: 642

Tax Consequenses

My wife and I have together had the same idea without mentioning it to each other until now. We want to give our car to her sister as a gift. We have enough money in savings to buy a new car. The money is in the Vanguard Long-term Tax exempt fund. I've made no dividends yet. If I sell Monday with a ...
by peddler12
Sun Aug 25, 2013 1:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax Consequenses
Replies: 10
Views: 642

Re: TLH Question

I want to take a moment and thank everyone for the good instruction and links. I am very grateful. Now it's just a mater of living with this decision and hoping my plan works out. Thanks again.
by peddler12
Fri Aug 23, 2013 2:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: TLH Question
Replies: 8
Views: 397

TLH Question

I've bought a Long Term Tax Exempt Municipal Bond Fund for the dividends it pays monthly. I'm only considering the dividends. I will make about 1,100 a year in dividends which is a whole lot better than making .69% at Alliant. My question is should I sell the fund at the end of the year for tax loss...
by peddler12
Fri Aug 23, 2013 12:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: TLH Question
Replies: 8
Views: 397

Bond ETF

William J. Bernstein in The Four Pillars of Investing says to avoid Bond ETF's at all cost. Can anyone tell me why this is so. I own VCSH and BND and will sell them and buy the mutual fund Vanguard Short-Term Bond Index Fund (VBISX), but would like to know why I should do this. I did notice yesterda...
by peddler12
Sat Jun 22, 2013 8:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond ETF
Replies: 16
Views: 2085

Re: Advice Needed

P.S. I realize that I didn't implement your suggestion exactly, but Wellington is highly recommended on the Clark Howard message board. That's why I chose it. It has a better 10 year return that the Total Stock Market Index fun. Thanks again. Comparing Wellington and Total stocks market index is no...
by peddler12
Wed Jun 19, 2013 7:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice Needed
Replies: 17
Views: 1308

Re: Advice Needed

Mike, You are obviously a very nervous investor and you are not alone. I suggest you go with a very conservative asset allocation and invest in Lifecycle funds in the TSP and a Target Retirement fund in your roth/IRA. I don't know what other accounts you have but by letting someone else manage your...
by peddler12
Wed Jun 12, 2013 11:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice Needed
Replies: 17
Views: 1308

Re: Advice Needed

Rather than start a new thread I thought I would ask my question here. I am the world's worst investor. I buy at the wrong time. I sell at the wrong time. I panic at market bottoms like December of 2008 after losing 37% of my investment. Because of this board, I have an investment policy statement w...
by peddler12
Fri May 24, 2013 9:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice Needed
Replies: 17
Views: 1308

Re: Advice Needed

I want to thank all of you for your advice. I'm going to set up a schedule and begin to invest back into the market in increments over the next 11 months. I don't feel comfortable going in all at once. I' m a government employee and this is my TSP money. Again, I appreciate your advice. It was very ...
by peddler12
Sat May 18, 2013 10:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice Needed
Replies: 17
Views: 1308

Advice Needed

Last August I was up 14% for the previous 12 month period and I took profits and got out of the market which as you know was the wrong decision. I'm not sure what to do now. I've missed out on over 12,000.00 in potential gains. What should I do at this point. I am really scare of buying high and sel...
by peddler12
Sat May 18, 2013 9:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice Needed
Replies: 17
Views: 1308

Re: Portfolio Review

Even with small Roths, Wellesley (VWINX) affects the overall AA and makes it harder to follow. That said, you shouldn't look at each account as 100% - rather look at the entire portfolio as 100%. Can you go back and *edit* the orginal post? [/quote] I have edited the original post as you have asked...
by peddler12
Wed Nov 23, 2011 2:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 11
Views: 960

Portfolio Review

Emergency Fund 4 months Tax Status Married Filing Joint Age 50/53 Thrift Savings Plan 2.86% G Fund 22.9% F Fund 4.59% I Fund 20.39% C Fund 9.23% S Fund His Roth 25.54% VWINX Wesseley Income Fund 2.65% FCG Natural Gas ETF Her Roth 8.75% VWINX Wesseley Income Fund 3.0% Cash The Roths are not very larg...
by peddler12
Tue Nov 22, 2011 8:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 11
Views: 960
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