Search found 85 matches

Return to advanced search

Re: REITs... buy more?

Based on the current holdings you list, I'd probably use those funds to buy some bonds. And you need an IPS because you self-manage the portfolio.
by phish_indexer
Thu May 02, 2013 1:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: REITs... buy more?
Replies: 39
Views: 4392

Re: RTP, NC Chapter Meeting Noon Sat May 4, 2013

Is this meeting still a go? I haven't seen an e-mail come through from the Yahoo list serve. I plan to attend and bring the DGF. She needs an inoculation of bogleheadism (and cold beer.)
by phish_indexer
Wed May 01, 2013 10:56 am
 
Forum: Local Chapters and Bogleheads Community
Topic: RTP, NC Chapter Meeting Noon Sat May 4, 2013
Replies: 3
Views: 1523

Re: Where to invest 10-15k for 6-18 months

CDs that match your time frame? If you know that you can hold them for longer than a year, you can put 10k in Series I bonds which have built-in inflation protection. If there's a possibility that you'll need the money in less than a year, just put it all in an online savings account with Ally or Ca...
by phish_indexer
Wed Apr 17, 2013 11:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where to invest 10-15k for 6-18 months
Replies: 8
Views: 1190

Re: Anyone selling these days?

To answer the subject title, yes. I just hit a re-balancing band on VNQI, the International Real Estate ETF. It has been on a rampage for over a year. I plan to buy bonds with the proceeds. I don't really care about the low yields, just want to stay the course.
by phish_indexer
Sat Apr 06, 2013 5:05 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone selling these days?
Replies: 33
Views: 2698

Re: Article calling for self-employment, what comes next?

The trades are underrated as career choices. My HVAC repair man earns more than most finance professionals. A friend recently hired a nanny at $1000/day to take care of his newborn. I know a roofer who lives in a $4mn house in Westchester. There is a lot of actual work that still needs to be done i...
by phish_indexer
Sat Apr 06, 2013 2:20 pm
 
Forum: Personal Consumer Issues
Topic: Article calling for self-employment, what comes next?
Replies: 13
Views: 1122

Re: Anyone else having trouble deciding?

Why not invest according to your AA? Your prognostications about the directions of the markets are meaningless.
by phish_indexer
Wed Apr 03, 2013 11:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Anyone else having trouble deciding?
Replies: 2
Views: 476

Re: Emergency Fund done; where to put the rest?

My vote is for I bonds, assuming you can hold them for more than a year and preferably more than 5 years.
by phish_indexer
Wed Mar 27, 2013 11:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund done; where to put the rest?
Replies: 5
Views: 635

Re: Vanguard STIG (VFSTX) VS Fidelity HIF (SPHIX) What am I

Phishing, boy I should have looked closer at price spread, low to high in 09. Love the way you overlayed those charts. Now tell me there is an easy way to do that. SteveKL, I hadn't seen that on Vanguard site, I will find it. One of the things I see and haven't quit grasped yet is the following: wh...
by phish_indexer
Sun Mar 24, 2013 2:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard STIG (VFSTX) VS Fidelity HIF (SPHIX) What am I miss
Replies: 4
Views: 422

Re: ? about asset allocations for retirement planning

I'll focus on your first question. 99%/1% bonds does not make sense. If you're that comfortable with risk, then go 100% stocks, bump up the E-fund with that additional 1%, and forget about it. However, I don't think 100% (or 99%) stocks is sensible for many people. Was this your asset allocation in ...
by phish_indexer
Sun Mar 24, 2013 2:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: ? about asset allocations for retirement planning
Replies: 9
Views: 661

Re: Vanguard STIG (VFSTX) VS Fidelity HIF (SPHIX) What am I

If you look at the chart, I don't see how you can say that the '09 collapse was similar. In fact, the junk bond fund looks much more like a stock fund than a bond fund. The returns of the short-term fund take a very small dip in 2009, then continue to provide stable returns. This is what you want in...
by phish_indexer
Sun Mar 24, 2013 2:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard STIG (VFSTX) VS Fidelity HIF (SPHIX) What am I miss
Replies: 4
Views: 422

Re: 20 Year Old Seeking Financial Advice

Pay your parents some rent. For the safe side of your savings, build up an emergency fund (3-6 months worth of expenses) and then put the rest of the money towards the car loan. The sooner you can knock out that liability, the sooner you can make more of your savings work in your favor. What's the i...
by phish_indexer
Wed Mar 20, 2013 10:47 am
 
Forum: Investing - Help with Personal Investments
Topic: 20 Year Old Seeking Financial Advice
Replies: 17
Views: 822

Re: Nachos and NCAA BB Tournament

My go-to source for all things culinary: http://www.foodnetwork.com/recipes/alto ... index.html
by phish_indexer
Sun Mar 10, 2013 12:11 am
 
Forum: Personal Consumer Issues
Topic: Nachos and NCAA BB Tournament
Replies: 4
Views: 505

Re: Insurance for mid-20s DINKs

+1 on disability. I have a long-term disability policy (you don't need to pay for short-term as that's what your emergency fund is for) through Northwestern Mutual. Payout would be 90% of my income until I'm 65 for something like $500 annually. The payout is inflation-adjusted. I'm also mid-20s but ...
by phish_indexer
Fri Mar 08, 2013 1:38 pm
 
Forum: Personal Consumer Issues
Topic: Insurance for mid-20s DINKs
Replies: 8
Views: 704

Re: Taxable account, dividends to MM, no MM?

I use them to re-balance. The point is to make as few purchases as possible to simplify taxes. Automatically re-investing taxable dividends makes for a tax nightmare. (Actually not so much now since covered shares have been introduced, but I like to keep track of my tax lots and purchase prices on a...
by phish_indexer
Thu Feb 28, 2013 1:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxable account, dividends to MM, no MM?
Replies: 13
Views: 783

Re: Taxable account, dividends to MM, no MM?

Since it's your sweep account, the minimum balance requirement is not important. You can have $0 balances in your sweep MM accounts (in fact, I currently do) and it will still show up. I'm not sure why Vanguard even lists a minimum for their Money Market fund since you can put however little you wan...
by phish_indexer
Thu Feb 28, 2013 12:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxable account, dividends to MM, no MM?
Replies: 13
Views: 783

Re: Bad time to rebalance to bonds?

Several people have also said that it's a bad time to be in equities due to high valuations. Several people hold the opposite view. If you're 10 years from retiring, you probably need some bonds. Hold high quality and short-term bonds if you're worried. But I think 100% equity nearing retirement is ...
by phish_indexer
Fri Feb 15, 2013 6:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bad time to rebalance to bonds?
Replies: 30
Views: 3486

Re: Which energy to add to portfolio

Neither.

OK, if you have to own one, choose the ETF since it's 20 basis points cheaper. But most here would argue you're taking on uncompensated risk by making a sector bet.
by phish_indexer
Fri Feb 15, 2013 6:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which energy to add to portfolio
Replies: 8
Views: 662

Re: Graduation Present

When my younger sister graduated college in 2011, I opened a Roth for her with 1k and put it in the Target 2055 fund. I also bought her A Random Walk Down Wall St. She was underwhelmed. I don't think she's opened the book and she sporadically contributes to the IRA. (I don't think she knows she can ...
by phish_indexer
Fri Feb 15, 2013 6:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Graduation Present
Replies: 10
Views: 685

Re: Norton update phish?

I assure you it wasn't me :twisted:
by phish_indexer
Wed Feb 13, 2013 4:39 pm
 
Forum: Personal Consumer Issues
Topic: Norton update phish?
Replies: 14
Views: 983

Re: Switch to Vanguard?

Are there any trading costs when you purchase Vanguard funds through Fidelity's brokerage service? If so, that's a plus for Vanguard. Would there be any cost associated with moving funds from one broker to another? If so, that's a plus for Fidelity. Check to see if you can transfer in-kind as well, ...
by phish_indexer
Wed Feb 13, 2013 12:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Switch to Vanguard?
Replies: 2
Views: 360

Re: Just Maxed Roth, What Now?

Thanks for the updated info. First of all, yours is a pretty unique situation. It seems that you plan to be an ex-pat for life. This will affect your AA in that you won't be consuming in American dollars. So you'll probably want a more globally-weighted portfolio. (I'm not a CPA and don't know how t...
by phish_indexer
Wed Feb 06, 2013 10:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just Maxed Roth, What Now?
Replies: 6
Views: 838

Re: Just Maxed Roth, What Now?

Check out how to ask portfolio questions at the top of this forum. Then edit your post. Do you have a 401k plan or equivalent through work? Do you have an IPS with a stated asset allocation? If not, you need one because your idea leaves you overweight US stocks. How about debt? Short-term purchases?...
by phish_indexer
Wed Feb 06, 2013 4:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just Maxed Roth, What Now?
Replies: 6
Views: 838

Re: Taxable accounts: Keeping it simple

Buying I bonds would keep things simple. Just buying one or two stock funds, Total Stock and Total International for example, won't complicate your taxes too much. Your broker should track purchases, sales, and dividends for you and many brokers, such as Vanguard, can automatically import to program...
by phish_indexer
Wed Feb 06, 2013 12:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxable accounts: Keeping it simple
Replies: 6
Views: 940

Re: Anyone in the New Orleans area?

This thread hasn't seen any action in a long time. I am currently in Raleigh, NC and have been attending the RTP Bogleheads meetings. However, I am relocating to NOLA in August for graduate school. If there is not currently a chapter (doesn't look like it per the chapter list) and if there is any in...
by phish_indexer
Sun Jan 27, 2013 6:38 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Anyone in the New Orleans area?
Replies: 39
Views: 12317

Re: I hope I am not breaking any forum rules by posting this

You're not violating forum rules, but this topic has already been covered. This definitely bolsters the case for indexing.

viewtopic.php?f=10&t=109599
by phish_indexer
Fri Jan 25, 2013 3:05 pm
 
Forum: Investing - Theory, News & General
Topic: Buffett pulls ahead of Hedge Funds at halfway point
Replies: 6
Views: 1043

Re: IRA Withdrawals -not RMDs

I'd let the money continue compounding tax-free for as long as possible in the IRA. This seems to outweigh a slight decrease in taxes down the line. Maybe take money out of the IRA if the market tanks and you can tax-lost harvest in your taxable account to offset. Even then I don't know if it'd be w...
by phish_indexer
Sat Jan 19, 2013 1:18 am
 
Forum: Investing - Help with Personal Investments
Topic: IRA Withdrawals -not RMDs
Replies: 7
Views: 747

Re: Would you rebalance if you were me?

No, I wouldn't. The 5/25 rule gives you a 15%-25% band in either case. If your bond allocation was off by 1.5% in a 6% or less allocation, then I'd consider re-balancing but not here. (Actually, if that was the case I'd probably ditch bonds altogether since 6% is going to have very little effect on ...
by phish_indexer
Fri Jan 18, 2013 1:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Would you rebalance if you were me?
Replies: 9
Views: 699

Re: Restricted Stock Unit award

So is it guaranteed that she'll get cash rather than actual shares? Or is that company-specific? She's required to set up a brokerage account so I'd assumed she'd receive actual shares. Will the tax basis be the price of the stock on the day that it's vested? Edit: Thanks Janet, stlutz, and Steelers...
by phish_indexer
Fri Dec 07, 2012 8:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Restricted Stock Unit award
Replies: 9
Views: 793

Re: Restricted Stock Unit award

Vesting is the taxable event. At least at my co., money is withheld at that the time and the income is included in my W-2, so not a lot of complexity there. Thanks. I'm still a little off base about how these awards actually work. Why is money withheld? Is part of your paycheck diverted to purchase...
by phish_indexer
Fri Dec 07, 2012 8:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Restricted Stock Unit award
Replies: 9
Views: 793

Restricted Stock Unit award

My sibling works for a large, publicly traded corporation and was recently awarded a Restricted Stock Unit (RSU.) I help guide her in her investment decisions while attempting to educate her simultaneously, but this one has me a little stumped and I want to see if we're on track. The unit will be ve...
by phish_indexer
Fri Dec 07, 2012 7:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Restricted Stock Unit award
Replies: 9
Views: 793

Re: Blackrock has $3.5 Trillion under management?

They manage my workplace's awful 401(k) plan which is administered through PayChex. I imagine this is the case for a lot of small companies that outsource HR needs. (Off topic: In our plan, the lowest expense ratio is 1.55 on a bond fund. Lowest on a stock fund is 2.05. I'm not a phan.) I doubt it ...
by phish_indexer
Fri Dec 07, 2012 2:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Blackrock has $3.5 Trillion under management?
Replies: 17
Views: 1662

Re: Blackrock has $3.5 Trillion under management?

They manage my workplace's awful 401(k) plan which is administered through PayChex. I imagine this is the case for a lot of small companies that outsource HR needs. (Off topic: In our plan, the lowest expense ratio is 1.55 on a bond fund. Lowest on a stock fund is 2.05. I'm not a phan.) BLACKROCK h...
by phish_indexer
Fri Dec 07, 2012 2:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Blackrock has $3.5 Trillion under management?
Replies: 17
Views: 1662

Re: Blackrock has $3.5 Trillion under management?

They manage my workplace's awful 401(k) plan which is administered through PayChex. I imagine this is the case for a lot of small companies that outsource HR needs. (Off topic: In our plan, the lowest expense ratio is 1.55 on a bond fund. Lowest on a stock fund is 2.05. I'm not a phan.)
by phish_indexer
Fri Dec 07, 2012 10:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Blackrock has $3.5 Trillion under management?
Replies: 17
Views: 1662

Re: Investment books

A Random Walk Down Wall St. by Burton Malkiel is the one I always recommend and have bought as a gift for new investors. It's biased towards stock investing and the Efficient Market Hypothesis, but it's informative and most of all it's fun. Some other good starter books are The Four Pillars of Inve...
by phish_indexer
Thu Dec 06, 2012 9:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment books
Replies: 9
Views: 621

Re: SEP IRA Vanguard Portfolio (Too Aggressive?)

You can touch this money in 23 years. Still a long time frame, but not so long as 40. Are you looking for reassurance or rationale? Because conservative Boglehead rationale points towards holding more and higher quality bonds.
by phish_indexer
Wed Dec 05, 2012 8:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: SEP IRA Vanguard Portfolio (Too Aggressive?)
Replies: 9
Views: 729

Re: Change of 401k Options

Even though they don't have a ticker, can you tell us what index funds are offered. As a Boglehead, I think I'm also contractually obligated to point you towards the "Asking Portfolio Questions" thread and format.
by phish_indexer
Wed Dec 05, 2012 6:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Change of 401k Options
Replies: 1
Views: 112

Re: SEP IRA Vanguard Portfolio (Too Aggressive?)

If you intend this money for retitement, then yes, I think you're too aggressive. You are essentially 100% stocks. If and when the market tanks, the correlations of your holdings will head towards 1, meaning they could all fall simultaneously, including the junk bonds. I'd considering adding more an...
by phish_indexer
Wed Dec 05, 2012 6:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: SEP IRA Vanguard Portfolio (Too Aggressive?)
Replies: 9
Views: 729

Re: Rollover 401k to IRA (Vanguard) - when market is down

You can't roll over into Signal Shares unless you have tremendously high balances. Assuming you want to keep the 3-fund portfolio in the IRA, this is the rare case where rolling over doesn't make sense, unless you have administrative fees in the 401(k) that you'd leave behind. Your expenses will be ...
by phish_indexer
Wed Dec 05, 2012 1:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Rollover 401k to IRA (Vanguard) - when market is down
Replies: 6
Views: 910

Re: Is it worth investing in international value and small c

This thread got me curious about what other international small-cap and value ETFs are out there and I found this topic to be of interest, although it's outside of the theoretical nature of what's being discussed here: viewtopic.php?t=14338.
by phish_indexer
Tue Dec 04, 2012 11:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is it worth investing in international value and small cap?
Replies: 15
Views: 1168

Re: Is it worth investing in international value and small c

FWIW, International Value is actively managed. The small-cap fund is not. My IPS calls for small and value tilts but to avoid actively-managed funds so I invest in the international small-cap fund but not the value fund. But I'm only considering Vanguard. I'm sure another company offers an internati...
by phish_indexer
Tue Dec 04, 2012 10:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is it worth investing in international value and small cap?
Replies: 15
Views: 1168

Re: I'm 32: am I overweighted in bonds? Should i buy TIPS?

I'm 32 and have about 30% of my non-retirement portfolio in bonds (If i include my retirement account, that percentage goes down to 25%) . It's broken down into 34000 in VBTLX, Vanguard's Total Bond Market 16250 in VCIT, the intermediate term corporate ETF bond fund 17750 in VCLT, the long term int...
by phish_indexer
Fri Nov 30, 2012 12:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: I'm 32: am I overweighted in bonds? Should i buy TIPS?
Replies: 12
Views: 1626

Re: Extra Principal vs. Investing

2: Invest the $200 in a Trad IRA Annual Contributions Roth: $5000 DCA over the year If you plan on maxing out a Roth each and every year, you can't put additional money into a Traditional IRA. You may consider upping your 401(k) contributions, which would be similar to investing through a tradition...
by phish_indexer
Fri Nov 30, 2012 11:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Extra Principal vs. Investing
Replies: 25
Views: 1746

Re: Help in choosing stocks for IRA

You probably want to lessen your allocation to Real Estate... particularly less in VNQI. VNQI, at last check, is my highest-returning asset of 2012. Is that why you're skeptical, or because of overweighting REITs by so much? Or because international REITs aren't always classic investment trusts in ...
by phish_indexer
Thu Nov 29, 2012 9:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help in choosing stocks for IRA
Replies: 5
Views: 351

Re: Help in choosing stocks for IRA

There are a couple things I'd change to make life simpler: Get rid of the energy and dividend growth etfs. They're already covered in VTI and there's no need for sector diversification. Move that 10% to VTI. You have some overlap in VXUS and VWO, since VXUS includes emerging markets. I'd either move...
by phish_indexer
Thu Nov 29, 2012 8:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help in choosing stocks for IRA
Replies: 5
Views: 351

Re: Need Help Choosing Funds for Roth IRA

I like your 401k choices and if I were in your shoes, I'd use Roth space to tilt towards emerging markets, REITs, and SCV. You should be able to handle this with a few ETFs. But that's just me. The 4 in 1 fund would be a great candudate as well. Sector bets are typically not recommended around these...
by phish_indexer
Thu Nov 29, 2012 6:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Help Choosing Funds for Roth IRA
Replies: 9
Views: 712

Re: What's a good, relatively safe Vanguard fund for IRA?

You're letting emotion control your investment actions, where you should be letting your IPS and Asset Allocation (which are inherently UNemotional after they've been formed) dictate them. All of the worries you mentioned are priced into the market if you buy into the EMH. Forming a defined investme...
by phish_indexer
Thu Nov 29, 2012 5:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: What's a good, relatively safe Vanguard fund for IRA?
Replies: 11
Views: 1786

Re: What's a good, relatively safe Vanguard fund for IRA?

I agree with the above posters and stand by my response in your previous thread: http://www.bogleheads.org/forum/viewtopic.php?f=1&t=105681. Move the entire amount into the Target Date fund and forget about it. You're drinking too much of the DCA kool-aid. Formulating an IPS and AA plan would be...
by phish_indexer
Thu Nov 29, 2012 3:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: What's a good, relatively safe Vanguard fund for IRA?
Replies: 11
Views: 1786

Re: 2nd yr Boglehead Anniversary - Annual Checkup - 26 yr ol

That makes sense. I figured it was either that or that you were an employee of Bain Capital.
by phish_indexer
Wed Nov 28, 2012 12:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: 2nd yr Boglehead Anniversary - Annual Checkup - 26 yr old.
Replies: 12
Views: 1216

Re: 2nd yr Boglehead Anniversary - Annual Checkup - 26 yr ol

Can I ask how you have 85k in a Roth by age 26? Rollover from 401k -> Roth recharacterization? I'm also 26 and have about 17k in mine, but have only contributed for three years. As for the portfolio, looks good. I wouldn't sweat the domestic/intl allocations being off, especially since you can re-ba...
by phish_indexer
Tue Nov 27, 2012 5:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: 2nd yr Boglehead Anniversary - Annual Checkup - 26 yr old.
Replies: 12
Views: 1216

Re: Suze Orman 100% equities

Considering that Vanguard's Target Retirement funds for young investors only have 10% bonds, why not go Suze's route and wipe bonds out completely for the first 5-7 years. It wouldn't make a whole lot of difference, imo. Hell, why stop at 100% equity when you can go 100% emerging market small value...
by phish_indexer
Mon Nov 19, 2012 5:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Suze Orman 100% equities
Replies: 40
Views: 4596
Next

Return to advanced search