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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 1:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Sixth anniversary of worst week ever for stocks
Replies: 51
Views: 3992

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 8:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Two Questions [Asset allocation]
Replies: 12
Views: 961

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 1:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Two Questions [Asset allocation]
Replies: 12
Views: 961

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 10:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Two Questions [Asset allocation]
Replies: 12
Views: 961

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 8:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Two Questions [Asset allocation]
Replies: 12
Views: 961

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 2:47 pm
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle on CNBC
Replies: 6
Views: 1321

Re: TSP share prices for Quicken

Thank you for responding so quickly and for fixing the problem.
by peddler12
Thu May 08, 2014 8:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: TSP share prices for Quicken
Replies: 55
Views: 6776

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 8:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: TSP share prices for Quicken
Replies: 55
Views: 6776

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 1:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment help needed for 28yo
Replies: 11
Views: 1493

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 8:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: TSP share prices for Quicken
Replies: 55
Views: 6776

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 8:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: TSP share prices for Quicken
Replies: 55
Views: 6776

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 7:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: TSP share prices for Quicken
Replies: 55
Views: 6776

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 4:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Another 5 year anniversary thread
Replies: 7
Views: 861

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 2:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Building Up Cash
Replies: 6
Views: 1184

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 1:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Building Up Cash
Replies: 6
Views: 1184

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 5:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: TSP Center
Replies: 1
Views: 341

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 7:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Building Up Cash
Replies: 6
Views: 1184

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 5:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why 'buy and hold' isn't all it's cracked up to be
Replies: 6
Views: 1141

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 5:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why 'buy and hold' isn't all it's cracked up to be
Replies: 6
Views: 1141

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 5:53 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] What was your 2013 return?
Replies: 209
Views: 9495

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 10:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: What Was Your Best Portfolio move in 2013
Replies: 125
Views: 7729

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 1:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Tips on staying the course...
Replies: 19
Views: 1482

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 9:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tips on staying the course...
Replies: 19
Views: 1482

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 8:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Update
Replies: 3
Views: 299

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 3:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: best place to park $200K for a year?
Replies: 22
Views: 2743

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 3:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax Consequenses
Replies: 10
Views: 632

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 2:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax Consequenses
Replies: 10
Views: 632

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 3:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: TLH Question
Replies: 8
Views: 385

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 1:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: TLH Question
Replies: 8
Views: 385

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 9:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond ETF
Replies: 16
Views: 1882

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 8:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice Needed
Replies: 17
Views: 1294

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 12:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice Needed
Replies: 17
Views: 1294

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 10:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice Needed
Replies: 17
Views: 1294

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 11:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice Needed
Replies: 17
Views: 1294

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 10:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice Needed
Replies: 17
Views: 1294

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 3:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 6
Views: 556

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 9:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 6
Views: 556

Re: Bonds vs. Wellesley fnd question

I went to the Vanguard sight and looked up the 1, 3, 5, and 10 year returns. They don't come close to Wellesley.
by peddler12
Fri Nov 11, 2011 11:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bonds vs. Wellesley fnd question
Replies: 28
Views: 5055

Re: Bonds vs. Wellesley fnd question

I looked at both of Landy's funds VFIDX and VVIAX and VVIAX has a horrible track record. I'll stick with Wellesley.
by peddler12
Fri Nov 11, 2011 11:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bonds vs. Wellesley fnd question
Replies: 28
Views: 5055

Re: Vanguard Utility ETF Sale

I would not sell. What tax bracket are you in? Unless you are in a very low tax bracket, your 30% gains are really only 15% or less after short-term gains are taxed. Plus, CD's aren't going to give you much income. I own some utility stocks too and I rarely sell them. I keep them for their income a...
by peddler12
Wed Nov 09, 2011 9:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Utility ETF Sale
Replies: 11
Views: 1025

Re: Vanguard Utility ETF Sale

The only reason you sell is if the reason you bought in the first place, has changed. Has it? Why did you invest in that etf in the first place? neverknow You've sparked an interesting question. I bought the ETF because the dividend was greater than the CD rates at my credit union. If I sell i'll l...
by peddler12
Wed Nov 09, 2011 7:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Utility ETF Sale
Replies: 11
Views: 1025

Vanguard Utility ETF Sale

Morningstar has recommended that I sell my VPU ETF at 79.20. If I do that the gains will all be short term capital gains. Do you guys think I should follow Morningstar's recommendation or wait until the gains are all long term in about a year. If I sell at 79.20 I will have gains of over 30%. If I h...
by peddler12
Wed Nov 09, 2011 3:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Utility ETF Sale
Replies: 11
Views: 1025

I've lost count how many times I've moved money around. I am the worlds worst investor. I'm 50 now so need to stop making dumb mistakes. Hopefully I've learned a couple of things. I'm reading some of the recommended books that you guys suggest. I'm now trying to stay the course. I have Smart401K.com...
by peddler12
Sat Oct 01, 2011 4:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: How many changes to your AA in last 10 years
Replies: 20
Views: 1492

Yes I am willing to accept some risk and I don't know how soon I will need the money. It may be 3 to 5 years away. My Ranger is 1997 with 126,000 on it and my Corrolla is 2003 with 155,000 on it. Answer to the other poster yes it's in a taxable account.
by peddler12
Sun Sep 11, 2011 6:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vehicle Purchase Plan
Replies: 5
Views: 762

Vehicle Purchase Plan

Because of such low interest rates on CD's I moved my auto savings into a Vanguard ETF (VPU). It has done well for me and I really like the 4% dividend. I am several years away from buying a new vehicle or vehicles. I would like to hear comments about this plan. I plan to DCA for the next several ye...
by peddler12
Sun Sep 11, 2011 1:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Vehicle Purchase Plan
Replies: 5
Views: 762

Proposed Portfolio

After reading here extensively I have decided to stick with the Wellesely Fund for both my ROTH account and my wifes ROTH account. My TSP will still follow the recommendations of Smart401K which brings our Asset Allocation to about 45 bonds and 55 stocks. This is an acceptable risk level for me. I m...
by peddler12
Mon Sep 05, 2011 8:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Proposed Portfolio
Replies: 6
Views: 1408

Proposed Portfolio

:D Not meant to be 'snarkie' but VWINX (Wellesely) is not a bond fund peddler12, its a balanced fund that produces income. IIRC its 40% bonds and 60% stock's.:oops: Those books Landy linked will help a lot i'm sure. Rule of thumb on the advice of most BHs is age in bonds to reduce risk of loosing a...
by peddler12
Mon Sep 05, 2011 3:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Proposed Portfolio
Replies: 6
Views: 1408

Proposed Portfolio

Thank you again for your response. I just ordered three books from Amazon to read. I really hope they answer my questions for the allocation suitable for my age.
by peddler12
Sun Sep 04, 2011 9:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Proposed Portfolio
Replies: 6
Views: 1408

Proposed Portfolio

Thanks for the reply. The bond fund I would use would be Wellesley. I would probably keep 59% in Wellesley and put 7% in the others except VSS which I would put 15% in that. Just a thought. I probably won't do anything because I like the dividends that Wellesley produces.
by peddler12
Sun Sep 04, 2011 4:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Proposed Portfolio
Replies: 6
Views: 1408

Proposed Portfolio

Currently I have most of my Roth in the Wellesley Fund and about 3,300 in the FCG Natural Gas ETF. I was reading a book on investing and the suggested asset allocation was as follows: S&P 500 VOO EAFE VEA US Small VB US Lg Val VYM US Sm Val VBR Foreign Val VTRIX Foreign Small VSS I really like t...
by peddler12
Sat Sep 03, 2011 11:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Proposed Portfolio
Replies: 6
Views: 1408

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