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Re: 10 Reasons why Merriman dislikes Total Stock Mkt

Wow. Mr. Merriman's podcast has left such awful impressions with some posters that it has motivated those posters to respond in ways that leave me with awful impressions of them. We all overstate our case, overplay our hand, overdo it on occasion. Perhaps it is only a fair or natural response: a dia...
by pingo
Fri Nov 21, 2014 7:50 am
 
Forum: Investing - Theory, News & General
Topic: 10 Reasons why Merriman dislikes Total Stock Mkt
Replies: 72
Views: 5865

Re: The Three Fund Portfolio

@ LadyGeek: A rare occurrence, indeed. But It always sounds better coming from you. :wink:
by pingo
Wed Nov 19, 2014 5:06 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 946
Views: 388330

Re: The Three Fund Portfolio

@tommoran2: It would be best to post the question along with all the relevant information per general recommendations for asking portfolio questions , but it is possible to pay zero federal capital gains taxes (within limits) when one is in the 15% bracket. As for a workable plan, more details are i...
by pingo
Wed Nov 19, 2014 5:03 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 946
Views: 388330

Re: portfolio allocation

I'll look into the 3 fund portfolio, but am looking for a little more fund diversification..if only to have more fun picking funds. Diversification is about risk reduction through variety, but we must not confuse the packaging with the ingredients. The classic Three Fund Portfolio includes 15,000 s...
by pingo
Wed Nov 19, 2014 3:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: portfolio allocation
Replies: 8
Views: 944

TIPS Fund With Commodities?!?!

Greetings all! To set the stage... I use my employer's self-directed brokerage window (Schwab PCRA) to invest, but I am also required to keep a minimum balance in my employer offerings. I keep the minimum balance (plus a cushion) in fixed income so that I don't run the risk of the employer side fall...
by pingo
Thu Nov 13, 2014 10:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIPS Fund With Commodities?!?!
Replies: 1
Views: 194

Re: VEXAX IN ROTH

Agreed. I have $43000 in a Roth account. I have been advised to put 23000 in VEXAX and 20000 in VTIAX to bring my allocation to 52/48 roughly. What does the proportion of the Vanguard Extended Market Index Fund (VEXAX) versus Vanguard International Stock Index Fund (VTIAX) have to do with anything. ...
by pingo
Tue Nov 11, 2014 11:02 am
 
Forum: Investing - Theory, News & General
Topic: VEXAX IN ROTH
Replies: 6
Views: 476

Re: A New 401k

^ Major edits to my post above.
by pingo
Tue Nov 11, 2014 7:20 am
 
Forum: Investing - Help with Personal Investments
Topic: A New 401k
Replies: 4
Views: 607

Re: A New 401k

If you're wondering why this thread is so anemic, it's because you haven't provided much information. Also, hoppy08520 asked you to do a little more work than that in order to provide more guidance. I'll add that it would be good if you list the names, tickers and expense ratios for your old 401k al...
by pingo
Tue Nov 11, 2014 7:05 am
 
Forum: Investing - Help with Personal Investments
Topic: A New 401k
Replies: 4
Views: 607

Re: fidelity ffnox or separate?

Perhaps a lifecycle/target fund would be in order? It has been reported that Fidelity now allows retail investors to invest in their lineup of Fidelity Freedom Index Funds @ ER 0.16%. You can pick one that's closest to your desired asset allocation. I'm not dissing the venerable FFNOX, but I prefer ...
by pingo
Tue Nov 11, 2014 6:45 am
 
Forum: Investing - Help with Personal Investments
Topic: fidelity ffnox or separate?
Replies: 10
Views: 697

Re: Schwab ETF: SCHB or FNDB?

There is no important reason that I can see to pay a commission for a Vanguard ETF or fund. SCHB is a great way to obtain U.S. equity exposure. It has plenty of assets, trading volume, liquidity, etc. I use Schwab ETFs, but in the case of broad U.S. equity exposure, I don't. It's a matter of persona...
by pingo
Tue Nov 11, 2014 6:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Schwab ETF: SCHB or FNDB?
Replies: 7
Views: 551

Re: Portfolio planning for 2 physician household - 401k 457b

Side question, nobody recommended the balanced american funds to add to portfolio.......they have low expense ratios and are diversified. Any reason why you guys don't recommend them? In terms of diversification, Morningstar shows that the American Balanced Fund has 109 equity holdings and 956 bond...
by pingo
Mon Nov 10, 2014 6:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio planning for 2 physician household - 401k 457b -
Replies: 43
Views: 3136

Re: Portfolio planning for 2 physician household - 401k 457b

So it looks like I will be doing: 401k - 100% btiix 457b - 60% bttix 40% pimco bond roth ira- target retirement fund - vanguard 2045 I will hold off on taxable investing at this time and pay down the debts. Using a target fund in the Roth IRAs makes little sense if you desire meaningful Internation...
by pingo
Mon Nov 10, 2014 6:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio planning for 2 physician household - 401k 457b -
Replies: 43
Views: 3136

Re: Traders Millions By the minute

I'll also add that we may not all be scientists, but many of us have read enough from academics publishing in the field (a couple of whom even contribute to this forum) to at least grasp that there is a near-endless support of data for low cost, passive (or at least quasi-passive) investing, and not...
by pingo
Mon Nov 10, 2014 5:48 am
 
Forum: Investing - Theory, News & General
Topic: Traders Millions By the minute
Replies: 44
Views: 4885

Re: Traders Millions By the minute

I am not a believer. I am a scientist. It's not a bad point. Sometimes I unwittingly lock myself into the role of a believer, but IPer nails it here: This forum is about the Bogle way of thought and investing, a lot based on Graham and some other keen folk. While I *believe* the numbers backup cert...
by pingo
Mon Nov 10, 2014 5:24 am
 
Forum: Investing - Theory, News & General
Topic: Traders Millions By the minute
Replies: 44
Views: 4885

Re: Portfolio planning for 2 physician household - 401k 457b

I am in agreement with all this "consensus" talk, although if appears that you may not be as sure of it, at least in terms of the 457. I wanted to do a 80/20 or 85/15 stock/bond mix. However, If I put only the PIMCO in the 457, that would be 36k/83k contributed for a total bond allocation ...
by pingo
Sun Nov 09, 2014 8:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio planning for 2 physician household - 401k 457b -
Replies: 43
Views: 3136

Re: Portfolio planning for 2 physician household - 401k 457b

Cut, copy and insert my usual spiel here… Before investing money in a taxable account , you should look into whether or not you can do a "Mega Backdoor Roth" via the 401ks. Obviously, any such behavior should come after paying off your debts, so it is for future reference. Look at your 401...
by pingo
Sun Nov 09, 2014 3:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio planning for 2 physician household - 401k 457b -
Replies: 43
Views: 3136

Re: Asset allocation for 457 vs 401k

As you guys know […] I wasn't a part of those conversations, but I see that this is your 3rd portfolio help thread in 2 months and your 4th one this year. Nothing wrong with that, but I would suggest going back to whichever discussion is the most recent or the most complete (in terms of the persona...
by pingo
Sat Nov 08, 2014 8:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio planning for 2 physician household - 401k 457b -
Replies: 43
Views: 3136

Re: Best Online Brokerage - TD Ameritrade vs. Schwab

^ I agree completely. I don't use 6 funds, but I did for while. I eventually found compromises I'm willing to live with. If a lack of international small caps eats away at you, SCHC comes into play (5 funds) and if the even smaller and less important lack of emerging market mid/small caps bothers yo...
by pingo
Sun Nov 02, 2014 11:38 am
 
Forum: Investing - Theory, News & General
Topic: Best Online Brokerage - TD Ameritrade vs. Schwab
Replies: 24
Views: 2522

Re: Best Online Brokerage - TD Ameritrade vs. Schwab

I use Schwab's self-directed brokerage window available in my employer plan. I'm grateful to have it and Schwab seems like a great place to invest. However, I would think that TD Ameritrade is the better option for someone looking to implement The Three Fund Portfolio espoused by forum giant Taylor ...
by pingo
Sun Nov 02, 2014 9:38 am
 
Forum: Investing - Theory, News & General
Topic: Best Online Brokerage - TD Ameritrade vs. Schwab
Replies: 24
Views: 2522

Re: Please review my strategy (new at investing)

^ It's a good point and the answer may be in the eye of the investor. I, too, prefer traditional index funds more than ETFs and I like the idea of getting Vanguard funds at the source, yet if I look at my particular situation we have a Schwab account (self-directed brokerage window in employer plan)...
by pingo
Fri Oct 31, 2014 12:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please review my strategy (new at investing)
Replies: 13
Views: 1415

Re: Help with retirement asset allocation

Good afternoon All! Just wanted to stop by and thank everybody who guided me here. I've realigned my accounts over the past couple weeks based on the input I received. Now looking as indicated below. My next step will be to transfer the IRAs to Vanguard and consider the possibility of switching to ...
by pingo
Thu Oct 30, 2014 8:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with retirement asset allocation
Replies: 10
Views: 1748

Re: new 401k plan help

roth ira 24%- VGTSX 401k 63% Vanguard Institutional VIIIX 13% Vanguard Small Cap, VSPCX Maybe add some mid cap too. Those numbers aren't too helpful, at least not to me because: 1. We still don't know if you receive an employer match. If you do, your numbers are incorrect because $17,500 in persona...
by pingo
Tue Oct 28, 2014 10:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: new 401k plan help
Replies: 12
Views: 914

Re: new 401k plan help

Target Retire 2060 Tr P — 1695 0.07% I don't even know ER 0.07% is possible for T. Rowe Price Target Retirement Funds, but if it's true, I'd go all in with a TRP TR fund that has an appropriate asset allocation. They're a great fund series, they allocate everything for you in a diversified manner a...
by pingo
Mon Oct 27, 2014 6:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: new 401k plan help
Replies: 12
Views: 914

Re: Portfolio Advice Wanted - Recently Married Couple

You need to look into whether or not you can do a "Mega Backdoor Roth" via the 401k before investing more money in a taxable account. Look at your 401k Plan Document and the 401k website to find out whether or not you can slip more money into a Roth IRA through an after-tax option in your ...
by pingo
Wed Oct 22, 2014 1:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice Wanted - Recently Married Couple
Replies: 6
Views: 1071

Re: Portfolio Review - Recent Grad and BogleHead

All great questions! :D 1. You prescribed essentially 25% to each fund for my investment elections. Why don't you just set the future contributions percentages equal to the desired asset allocation? In essence, rather than have you rebalance by exchanging between funds, for the most part I've been s...
by pingo
Tue Oct 21, 2014 9:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Recent Grad and BogleHead
Replies: 33
Views: 3803

Re: Employer 401(k) vs. Vanguard IRA investments

Total International has less in the way of qualified dividends, which partially counteracts the Foreign tax credit, so I wouldn't consider this a big reason to put international in taxable. Obviously, we have know idea how much OP might save in a taxable investment account, but in the off chance th...
by pingo
Mon Oct 20, 2014 5:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Employer 401(k) vs. Vanguard IRA investments
Replies: 17
Views: 1305

Re: Employer 401(k) vs. Vanguard IRA investments

The following could have a significant impact on fund location and a small impact on diversification, without infringing on simplicity. 1. You are able to max out your 401k, but how much would the employer match be on top of you personal deductible contribution of $17,500/yr? 2. Does your 401k have ...
by pingo
Sun Oct 19, 2014 4:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Employer 401(k) vs. Vanguard IRA investments
Replies: 17
Views: 1305

Re: Portfolio Review - Recent Grad and BogleHead

After I posted the above, I had some time to review and think about a few other things for future reference. The following assumes that beginning January 1, 2015 you'll be debt-free and that your $2,600/month extra savings will be dedicated to maximize a Roth IRA for tax-years 2014 and 2015 and to b...
by pingo
Fri Oct 17, 2014 12:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Recent Grad and BogleHead
Replies: 33
Views: 3803

Re: Portfolio Review - Recent Grad and BogleHead

The idea is to maintain a 4:1 ratio of S&P 500 and Extended Market per the Wiki's guidance for approximating the total U.S. stock market . Your desired AA is 25% bonds and 75% stock (with 30% of stocks in international). That comes to: 52% U.S. stock / 23% International / 25% Bonds Since we need...
by pingo
Thu Oct 16, 2014 6:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Recent Grad and BogleHead
Replies: 33
Views: 3803

Re: Asset allocation help requested

How much do you expect to invest in a taxable account each year? Does His and/or Her 401k have the option to also make after-tax contributions? (I'm not referring to a Roth 401k option.) Some plans allow participants to also make after-tax contributions with the option each quarter/6 months/year to ...
by pingo
Wed Oct 15, 2014 9:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Asset allocation help requested
Replies: 7
Views: 1096

Re: 401k plan choices

If you post per the suggested Asking Portfolio Questions link, we can help you use the Roth IRA to fill the gaps left after using only the 401k's best options, as listed by telemark . Even if you don't use the Roth IRA to fill the gaps, the gaps aren't critical and using just the 3 suggested funds i...
by pingo
Thu Oct 09, 2014 2:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k plan choices
Replies: 11
Views: 676

Re: Active Manager Marketing Quote of the Day

^ My problem is that I don't know how to read that chart. :|
by pingo
Thu Oct 02, 2014 9:51 pm
 
Forum: Investing - Theory, News & General
Topic: Active Manager Marketing Quote of the Day
Replies: 32
Views: 4270

Re: Active Manager Marketing Quote of the Day

I merely pointed out that this fund has beat the SP500 for 1,3,5,10 year periods Making my point for me. Just like corporate bonds or emerging markets, the S&P 500 is an inappropriate benchmark. A completion index (or proxy such as VEXMX) is a more appropriate benchmark because it tracks/repres...
by pingo
Thu Oct 02, 2014 6:21 pm
 
Forum: Investing - Theory, News & General
Topic: Active Manager Marketing Quote of the Day
Replies: 32
Views: 4270

Re: Active Manager Marketing Quote of the Day

I found this thread will looking up something else. Looked up HDPMX performance on Morningstar: http://quotes.morningstar.com/fund/hdpmx/f?t=HDPMX+ They have beaten S&P 500 index handily for 1,3,5,10 year periods. So I guess they have been successful in finding some little pockets? (Donning fla...
by pingo
Tue Sep 30, 2014 1:38 pm
 
Forum: Investing - Theory, News & General
Topic: Active Manager Marketing Quote of the Day
Replies: 32
Views: 4270

Re: Fidelity Freedom Index Funds - Available to retail inves

Great news! Now, those lousy Fidelity Freedom Fund portfolios with their high expense ratios and underlying dog's breakfast of low-rate asset class funds can stop dragging down the relative performance of unsuspecting retail investors who made the tragic mistake of selecting an actively-managed Free...
by pingo
Tue Sep 30, 2014 4:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Freedom Index Funds - Available to retail investors
Replies: 6
Views: 1186

Re: New - looking for portfolio advice

Big news! It appears that Fidelity may have made it's Freedom Index Funds available to retail investors. (See discussion here .) Accordingly, here's how the suggestion changes: Annual Contributions $17,500 401k Traditional Deductible Personal Contributions $ 4,800 401k Traditional Employer Match $ 5...
by pingo
Tue Sep 30, 2014 4:19 am
 
Forum: Investing - Help with Personal Investments
Topic: New - looking for portfolio advice
Replies: 18
Views: 2059

Re: Help with retirement asset allocation

+1

I'll add for OP's benefit that if OP ends up keeping the IRAs at Fidelity, it's still okay to put all IRA money in the Fidelity Spartan Global Ex-U.S. Index Fund (FSGUX), as mentioned previously.

:beer
by pingo
Mon Sep 29, 2014 4:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with retirement asset allocation
Replies: 10
Views: 1748

Re: Help with retirement asset allocation

Welcome to the forum! :happy Thanks! It's all good advice actually. That line *actually* has me cracking up. Were you surprised to get such good advice? I think you meant that deikel has given you good advice, of course. :D As to the TIRA versus RIRA debate: if you were in the 15% federal bracket, I...
by pingo
Sun Sep 28, 2014 8:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with retirement asset allocation
Replies: 10
Views: 1748

Re: New - looking for portfolio advice

Here's what I came up with. It's full of compromises, but let's see if it makes sense: Annual Contributions $17,500 401k Traditional Deductible Personal Contributions $ 4,800 401k Traditional Employer Match $ 5,833 401k After-tax Contributions <--To be rolled over to Roth IRA every 6 months. $ 5,500...
by pingo
Sat Sep 27, 2014 7:42 am
 
Forum: Investing - Help with Personal Investments
Topic: New - looking for portfolio advice
Replies: 18
Views: 2059

Re: New - looking for portfolio advice

Sorry, I've been overwhelmed lately and haven't been able to come back as I would have liked. Something else dawned on me: your employer must be placing its match into a Traditional 401k account, but you don't specify that account in your post. I've done a little reverse engineering to figure out wh...
by pingo
Sat Sep 27, 2014 5:56 am
 
Forum: Investing - Help with Personal Investments
Topic: New - looking for portfolio advice
Replies: 18
Views: 2059

Re: Bill Gross moving from PIMCO to Janus, Monday

One thing I've wondered for a long time: with Pimco Total Return being so HUGE, does it lose its edge and reduce it's chances/ability to outperform from it's bloat? If so, Bill Gross has been at risk of having Pimco TR lose its luster and that he be perceived as the fallen bond king. Moving to Janus...
by pingo
Fri Sep 26, 2014 4:36 pm
 
Forum: Investing - Theory, News & General
Topic: Bill Gross moving from PIMCO to Janus, Monday
Replies: 113
Views: 10411

Re: Portfolio Checkup

Thebob6 , I apologize for not getting back you in a timely fashion, but my life has not allowed it due to some very positive, personal developments. As always, ruralavalon has offered wonderful advice. (I love this forum.) Now, if by referring to an i-Bond ladder you're saying you'd like to build a...
by pingo
Thu Sep 25, 2014 5:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Checkup
Replies: 10
Views: 1546

Re: Cast Iron Skillet Cooking

miles monroe wrote:i wasn't looking for them, but i saw this at costco yesterday.

http://www.costco.com/Lodge-2-Pack-Cast ... 16102.html


Hmmm...Costco link says its Lodge cast iron skillets are made in China.
by pingo
Thu Sep 25, 2014 1:15 am
 
Forum: Personal Consumer Issues
Topic: Cast Iron Skillet Cooking
Replies: 108
Views: 10559

Re: Leeraar's Three-Holding Portfolio

I've also have access to SSgA U.S. Inflation Protected Bond Index Fund - Class A so I moved some money there from my Stable Value Fund that has really lousy returns. That's great. Keep in mind that your LifePath Index Fund already allocates to TIPS at a small cost, and the VG 500 fund and Extended ...
by pingo
Mon Sep 22, 2014 11:29 pm
 
Forum: Investing - Theory, News & General
Topic: Leeraar's Three-Holding Portfolio
Replies: 27
Views: 2295

Re: Leeraar's Three-Holding Portfolio

For those interested: from what I've seen BlackRock appears to have: - BTC/Blackrock LifePath Index Funds which is a portfolio of index funds, as the name indicates. The index funds (and ETFs) can vary depending on which iteration of the LifePath Index series is used by employer plans, but I only wo...
by pingo
Mon Sep 22, 2014 4:37 pm
 
Forum: Investing - Theory, News & General
Topic: Leeraar's Three-Holding Portfolio
Replies: 27
Views: 2295

Re: How to best adjust asset allocation as years pass

My spreadsheet has a formula which automatically calculates a slow "decline" in stocks until reaching 50/50 by age 65. So far, I can achieve that "decline" through new contributions to bonds. I do not have to sell off assets to buy other assets each year…yet I do not think it ide...
by pingo
Thu Sep 18, 2014 9:00 am
 
Forum: Investing - Help with Personal Investments
Topic: How to best adjust asset allocation as years pass
Replies: 21
Views: 1857

Re: Help! Are we making a huge mistake?

What would be the SWR on a portfolio of $3 million?

How does that figure compare with the $150,000/yr additional pension benefits?

To me, the two options sound like they may be rough equivalents, financially-speaking.
by pingo
Thu Sep 18, 2014 8:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Help! Are we making a huge mistake?
Replies: 39
Views: 5147

Re: Help compare Vanguard Three Fund vs Edward Jones Am. Fun

My personal preference is for low-cost index funds, however my view is that American Funds is one of those (few) firms that has often served investors well over the long term, despite high loads and ERs. I don't know how much longer they can keep doing it, but they've done it for a loooong time. Her...
by pingo
Wed Sep 17, 2014 12:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Help compare Vanguard Three Fund vs Edward Jones Am. Fund
Replies: 25
Views: 2331

Re: New - looking for portfolio advice

What do you know? I actually had some brains left to come back to this thread tonight. Here are some possible changes to your contribution schedule, per earlier posts, that shouldn't alter your take home pay: Annual Contributions $17,500 401k Traditional Deductible Personal Contributions $ 4,800 401...
by pingo
Wed Sep 17, 2014 12:20 am
 
Forum: Investing - Help with Personal Investments
Topic: New - looking for portfolio advice
Replies: 18
Views: 2059
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