Search found 1867 matches

Return to advanced search

Re: Portfolio Review

It would be nice to know your expected contributions. Please edit and/or add to the following:

Expected Annual Contibutions
$17,500 Personal 401k contributions
$ x,xxx Employer match (we need it in dollars here)
$ 5,500 Roth
by pingo
Sun Apr 13, 2014 11:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 4
Views: 442

Re: Index vs ETFs in 401k

If the ETFs are through a brokerage window, there is usually an account fee and there may also be trading fees.

I prefer traditional index funds unless you stand to save a bundle by using ETFs.
by pingo
Thu Apr 10, 2014 12:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Index vs ETFs in 401k
Replies: 4
Views: 226

Re: Young & Interested in investing- Help!

Welcome to the forum! :D I had a practice portfolio that follows the real market but uses fake money. An investing simulator I guess would be a good term for it. I've turned $10,000 into $16,000 […] The entire U.S. stock market has essentially tripled in the last 5 years. A rising tide lifts all shi...
by pingo
Thu Apr 10, 2014 12:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Young & Interested in investing- Help!
Replies: 7
Views: 445

Re: VTI vs VTSMX

I think that was an excellent question.

Welcome to Bogleheads! :D
by pingo
Wed Apr 09, 2014 5:37 pm
 
Forum: Investing - Theory, News & General
Topic: VTI vs VTSMX
Replies: 5
Views: 475

Re: Anyone else very reluctant to buy right now?

You know, I'm going to chime back in and strongly suggest OP read Buffet's Letter to Shareholders, pages 17-20 under the sub-title Some Thoughts About Investing . Here is an excerpt: I tell these tales to illustrate certain fundamentals of investing: • You don’t need to be an expert in order to achi...
by pingo
Mon Apr 07, 2014 2:53 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone else very reluctant to buy right now?
Replies: 124
Views: 11459

Re: Anyone else very reluctant to buy right now?

Chadnudj wrote:I'm following Buffett's other piece of advice: Buy and hold (preferably, buy and never sell).


^ Great point. Buffet's favorite holding period is forever. I think it's John Bogle's, too. (Not that Jack doesn't adjust his allocations or anything.)

:D
by pingo
Mon Apr 07, 2014 10:09 am
 
Forum: Investing - Theory, News & General
Topic: Anyone else very reluctant to buy right now?
Replies: 124
Views: 11459

Re: Anyone else very reluctant to buy right now?

Based on one of Warren Buffet's favorite metrics for determining fair market value, that is total market cap vs. GDP, the market is significantly overvalued right now. What else does he say and what do His other metrics say? Should we listen to them? Here's one: My money, I should add, is where my ...
by pingo
Mon Apr 07, 2014 8:21 am
 
Forum: Investing - Theory, News & General
Topic: Anyone else very reluctant to buy right now?
Replies: 124
Views: 11459

Re: International Bond Allocation?

Vanguard also doesn't have a strong indication of what an appropriate amount of TIPS is for a portfolio. A study of the matter showed that having such bonds made a positive difference without any clear sweet spots. They decided that 20% of bonds was reasonable enough to make a difference for diversi...
by pingo
Sat Apr 05, 2014 12:36 am
 
Forum: Investing - Help with Personal Investments
Topic: International Bond Allocation?
Replies: 24
Views: 1637

Re: Consolidation with Schwab?

You can do it. You don't have to do it right away. You don't have to do it all at once. We're here for you each step of the way. Finding a fee-only planner is wise counsel. Feel free to come for help and support even if it's only to help you with a single step once you're ready to take it. You can d...
by pingo
Fri Apr 04, 2014 10:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Consolidation with Schwab?
Replies: 21
Views: 1370

Re: SCV: has the small or the value kinda fallen out of favo

If you look at single-factor stats for small and small value funds they tend to have high beta and high R2 vs the markets. Typically betas over 1,and R2 well over 90%. So the pattern of returns will be quite similar to the market as a whole, just with higher volatility. Does higher volatility trans...
by pingo
Thu Apr 03, 2014 12:50 am
 
Forum: Investing - Theory, News & General
Topic: SCV: has the small or the value kinda fallen out of favor??
Replies: 28
Views: 2192

Re: Higher Returns at Lower Risk - please comment

Frans wrote:Vanguard even had an article some years ago (it's still on their European website - goodness only knows why there, as it clearly talks about US small value) with the title "Small-Cap Value Premium: Fact or Fiction".


Any chance you can post the link from their European website?
by pingo
Thu Apr 03, 2014 12:46 am
 
Forum: Investing - Theory, News & General
Topic: Higher Returns at Lower Risk - please comment
Replies: 55
Views: 5216

Re: Bogle: Tilt To Corporates For More Yield

It's about what you want your bond portfolio to do. Nisi presented one of his very illustrative growth charts earlier in this thread that showed over a couple of years period the '08 debacle was pretty irrelevant from the point of view of your bond portfolio in isolation. This is what you should lo...
by pingo
Wed Apr 02, 2014 9:42 am
 
Forum: Investing - Theory, News & General
Topic: Bogle: Tilt To Corporates For More Yield
Replies: 60
Views: 5606

Re: New job, ready to start retirement planning

There's no fees that the company charges other than any fees applicable for trading and commission as listed http://www.schwabcdn.com/public/file/P-5166587/PCRA_Pricing_Summary_2013_iPCRA_MKT38796IPCRA-06.pdf Much depends on what kind of trading you're employer will allow in the PCRA, but if they a...
by pingo
Tue Apr 01, 2014 10:12 am
 
Forum: Investing - Help with Personal Investments
Topic: New job, ready to start retirement planning
Replies: 20
Views: 1971

Re: Can I Simplify and Improve this Portfolio?

I'm a little groggy, so I don't quite know if I'm pointing out what everyone else is, or not: By leaving the taxable account alone and using a single bond fund in the Roth (perhaps, short-term per steve roy 's suggestion) and a single bond fund in the TIRA (perhaps, intermediate-term per steve roy o...
by pingo
Mon Mar 31, 2014 11:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review, TIPS Ladder, SPIA?
Replies: 20
Views: 1619

Re: The Coming Financial Crisis-Another Guru Has Spoken

I guess I've been predicting the next financial crisis almost since joining this forum in 2009. I suppose predicting is really the wrong term. A better word is preparing , which begins with simply having an appropriate asset allocation with which one can invest, crisis or no, with conviction. There'...
by pingo
Sun Mar 30, 2014 10:42 pm
 
Forum: Investing - Theory, News & General
Topic: The Coming Financial Crisis-Another Guru Has Spoken
Replies: 5
Views: 1052

Re: New Friends are the Anti-Bogleheads, what to do?

Preach the word at all times, but use words only if necessary. I think it's wise advice, not that I'm good at it. They'll pick up on the differences as acutely as you did. Be careful not to judge. Don't let disapproval betray your underlying desire for their welfare. Find ways to encourage them when...
by pingo
Sun Mar 30, 2014 12:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: New Friends are the Anti-Bogleheads, what to do?
Replies: 93
Views: 8281

Re: International Bond Allocation?

I typically believe that when it comes to bonds, whether we have one bond fund or five bond funds, we probably end up in the same place. It's funny that you should say that. We actually have 6 different bond funds hoping that we end up in the same place! :oops: BTW based on your earlier post here ,...
by pingo
Sat Mar 29, 2014 11:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: International Bond Allocation?
Replies: 24
Views: 1637

Re: 24, starting new job - advice please!

Concerning fund selection, let me strongly suggest that you put 100% of your 401k money into one of the BlackRock/BTC LifePath Index Funds. One is all you need. By using a single LifePath fund in the 401k you are set. I have to suppose that they are the "index" iterations of their LifePath...
by pingo
Sat Mar 29, 2014 11:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: 24, starting new job - advice please!
Replies: 19
Views: 1059

Re: International Bond Allocation?

I am going to allocation my bonds like this: 60% Total Bond, 20% International Bond, and 20% TIPS. Makes sense to me. I suppose one day Rick Ferri may even be advocating an adaptation of his current bond split recommendation to include International bonds. (I realize he's not in favor of it at this...
by pingo
Sat Mar 29, 2014 11:55 am
 
Forum: Investing - Help with Personal Investments
Topic: International Bond Allocation?
Replies: 24
Views: 1637

Re: Just getting started at 38, advice please

What is "TA"? Tegardless, the firms fees of 2.25% will be on top of fund fees, which will probably be expensive as well. All that translates into an extremely high probability of underperforming a "dumb" index fund. There is also no such thing as high return without high risk.Ris...
by pingo
Sat Mar 29, 2014 10:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Just getting started at 38, advice please
Replies: 19
Views: 2741

Re: Asset Allocation - near retirement

Oh! Here's another one showing it's ranking on a year by year basis. Not good.

Image
by pingo
Fri Mar 28, 2014 7:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation - near retirement
Replies: 40
Views: 3434

Re: Asset Allocation - near retirement

Shouldn't MDISX be compared to something like Vanguard Total World Stock Index Fund? The problem there, of course, is that VTWSX hasn't been around for very long, but here's a chart comparing the two since VTWSX's inception: http://i58.tinypic.com/bj6fdl.jpg Before getting too excited, Taylor is rig...
by pingo
Fri Mar 28, 2014 7:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation - near retirement
Replies: 40
Views: 3434

Re: another 401k feedback request

Both are as Boglehead-ish as Boglehead-ish things go. Some people simply like the idea of an even split. It was/is cheaper to invest in both a Total U.S. and Global Ex-U.S. fund rather than the Vanguard Total World Stock Index Fund (VTWSX). (I do not know if that is the case anymore.) Some might hop...
by pingo
Fri Mar 28, 2014 2:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: another 401k feedback request
Replies: 17
Views: 2332

Re: Asset Allocation - near retirement

I've always viewed them as being more volitile and thus riskier than Domestic Funds. I will start withdrawing some of these $$ in two years. I think you have articulated a perfectly valid reason to be be uncomfortable with too much money in international markets. I'm not saying it's what I'll do, b...
by pingo
Fri Mar 28, 2014 1:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation - near retirement
Replies: 40
Views: 3434

Re: 401k and Roth help

Welcome to the forum! :D New annual Contributions His 401k (no match) - we can and want to contribute the max each year Currently 7% of his income from his part-time 100% commission based job is going into the Vanguard Target 2045 account with no company match $5,500 his Roth IRA $5,500 her Roth IRA...
by pingo
Fri Mar 28, 2014 10:22 am
 
Forum: Investing - Help with Personal Investments
Topic: 401k and Roth help
Replies: 4
Views: 532

Re: How important are Int'l Bonds?

I believe the jury is out whether or not indexing is the proper way to package bonds (unlike with equities, where there are plenty of validating studies.) Nice points above. I'm not sure about the last statement, though. The bond market is even more efficient that than the stock market and it is mu...
by pingo
Thu Mar 27, 2014 6:39 pm
 
Forum: Investing - Theory, News & General
Topic: How important are Int'l Bonds?
Replies: 44
Views: 3785

Re: Asset Allocation - near retirement

I've been thinking about dumping a large majority of these dollars into Wellesley Admiral because the historic ROR is certainly sufficient to suit my needs, and it has demonstrated superior downside protection during market corrections. (lost less than 10% in the 2008 market melt down) Wellesley is...
by pingo
Thu Mar 27, 2014 6:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation - near retirement
Replies: 40
Views: 3434

Re: Asset Allocation - near retirement

What are you expected current expected contributions for 2014? It might be important.

Poboy wrote:Conservative Investment Style: Would prefer to never lose more than


Please explain.
by pingo
Thu Mar 27, 2014 5:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation - near retirement
Replies: 40
Views: 3434

Re: Perils of Market Timing

Wow. Wow.
by pingo
Thu Mar 27, 2014 1:36 pm
 
Forum: Investing - Theory, News & General
Topic: Perils of Market Timing
Replies: 12
Views: 1453

Re: another 401k feedback request

It depends on the goal. If the goal is to hold equities at a neutral, global market weight, then there's no need to rebalance because each will expand and contract like global market weight. If the goal is to always keep 50% in U.S. and 50% in International, then one would have to rebalance to maint...
by pingo
Wed Mar 26, 2014 8:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: another 401k feedback request
Replies: 17
Views: 2332

Re: Kindle Paperwhite?

My version (for an older Mac) is not the most intuitive, but here's a link and it's free so it's worth downloading to play around and figure it out: http://calibre-ebook.com/ Oh, I see that the first thing you see on Calibre's website is a demo. Perfect. Also, if you're Kindle is connected to the we...
by pingo
Wed Mar 26, 2014 5:44 pm
 
Forum: Personal Consumer Issues
Topic: Kindle Paperwhite?
Replies: 36
Views: 3242

Re: 401k Portfolio Advice needed

Not really. The main reason is that after reading the bogleheads guide to investing it suggested not holding very much in international stocks since domestic stocks have proven to perform better over the past few years. I'm fine with investing more in international if it makes sense. If you can , w...
by pingo
Wed Mar 26, 2014 2:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k Portfolio Advice needed
Replies: 9
Views: 417

Re: 401k Portfolio Advice needed

State of Residence: I live in SC but work in NC Just curious. How does that work for state taxes? Do both states want you to pay them? Desired Asset allocation: 80% stocks / 20% bonds Desired International allocation: 10-15% of stocks You appear to want an aggressive portfolio, but few internationa...
by pingo
Wed Mar 26, 2014 10:56 am
 
Forum: Investing - Help with Personal Investments
Topic: 401k Portfolio Advice needed
Replies: 9
Views: 417

Re: Load-Waived A-Share Funds Better Than Indexing?

To confirm the point about loads not being factored into fund performance, I'll chart one of your Advisor's picks: JVAAX with the 5.75% load, and JVAAX.lw (load waived). http://i62.tinypic.com/2nk8foz.jpg Yep, one is right on top of the other because the charted fund performance does not include the...
by pingo
Wed Mar 26, 2014 1:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Load-Waived A-Share Funds Better Than Indexing?
Replies: 30
Views: 1146

Re: Load-Waived A-Share Funds Better Than Indexing?

Again though, most of the comparisons that praise the virtues of index investing are comparing performance against active funds THAT HAVE LOADS (which are hurting their performance). It almost sounds like someone else said it. The financial advisor, perhaps? Before costs, the number of funds that b...
by pingo
Wed Mar 26, 2014 1:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Load-Waived A-Share Funds Better Than Indexing?
Replies: 30
Views: 1146

Re: How important are Int'l Bonds?

Vanguard's opinion is helpful in addressing OP's situation (there is no right or wrong allocation to foreign bonds). And as expressed by Phineas J. Whoopee, they're neither essential nor dangerous. Vanguard's own claim is remarkable for its weakness. Look at figure 7 in their paper, the same one sun...
by pingo
Tue Mar 25, 2014 2:22 pm
 
Forum: Investing - Theory, News & General
Topic: How important are Int'l Bonds?
Replies: 44
Views: 3785

Re: Need portfolio advice as I hit my mid-30's...

^ Can't argue with that. Kerplunk's suggestion also gives OP a phenomenal weighted expense ratio of 0.08%.

:thumbsup
by pingo
Tue Mar 25, 2014 1:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Need portfolio advice as I hit my mid-30's...
Replies: 14
Views: 1879

Re: Need portfolio advice as I hit my mid-30's...

Hmmm. My math says that using just the bond fund in Her 401k gets you to a 57% stock / 43% bond and cash portfolio, which is close, but it could stand improvement. Using a 50:50 S&P/Pimco split in Her 401k, I calculate a weighted portfolio of 62% stocks and 38% bonds and cash, which I like bette...
by pingo
Tue Mar 25, 2014 12:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Need portfolio advice as I hit my mid-30's...
Replies: 14
Views: 1879

Re: Need portfolio advice as I hit my mid-30's...

After 1 post, welcome to the Forum! :D I'll start at the end and work my way back to the beginning. 3. Welcome any general thoughts on my portfolio for improvements. Specifically wondering if I’m too weighted in LifeStrategy for my Roth IRA. I'd leave it right where it is. Keep reading. 2. I’m antic...
by pingo
Mon Mar 24, 2014 12:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Need portfolio advice as I hit my mid-30's...
Replies: 14
Views: 1879

Re: How important are Int'l Bonds?

Phineas J. Whoopee wrote:I'd say Vanguard's Total International Bond Index Fund is neither important nor dangerous.


I think that sums it up perfectly.
by pingo
Sat Mar 22, 2014 1:54 pm
 
Forum: Investing - Theory, News & General
Topic: How important are Int'l Bonds?
Replies: 44
Views: 3785

Re: Kindle Paperwhite?

I looks like one may be able to completely turn off the backlight off. (No hack required.) YouTube: How to Turn the Backlight On & Off. It occurred to me that there may be a special purpose for having the light on at the lowest setting, even when outside. I don't know from experience, but it's ...
by pingo
Sat Mar 22, 2014 12:55 pm
 
Forum: Personal Consumer Issues
Topic: Kindle Paperwhite?
Replies: 36
Views: 3242

Re: Kindle Paperwhite?

Caduceus wrote:I think Amazon also has a gigantic version of the Paperwhite now, but I've never tried it.


I've been keeping an eye out for a gigantic paperwhite, but I do not see it on the site. In case I missed something, where did you see (or thought you saw) such a device?
by pingo
Sat Mar 22, 2014 12:38 pm
 
Forum: Personal Consumer Issues
Topic: Kindle Paperwhite?
Replies: 36
Views: 3242

Re: How important are Int'l Bonds?

I don't know if it helps much with your situation, but doc, artsdoctor and nedsaid posted a couple tidbits of perspective in a different thread: http://www.bogleheads.org/forum/viewtopic.php?f=10&t=135682&newpost=2003949#p2003563 Edit: Oh! And I like Mike Piper's treatment of the subject, al...
by pingo
Sat Mar 22, 2014 10:00 am
 
Forum: Investing - Theory, News & General
Topic: How important are Int'l Bonds?
Replies: 44
Views: 3785

Re: 25 year old speeding ticket

Not an attorney, here, so I'm not giving legal advice. Some thoughts from my perspective: Did you ever appear on the ticket? What I mean is, if you received a ticket I would think that you have a right to be arraigned on the charges. If you haven't, you have a right to plead Not Guilty to the underl...
by pingo
Sat Mar 22, 2014 12:03 am
 
Forum: Personal Consumer Issues
Topic: 25 year old speeding ticket
Replies: 23
Views: 2370

Re: Kindle Paperwhite?

Chan_va wrote: - it has a back-lit screen, which is great for nighttime reading without any lights, but you cannot turn the light off.
serbeer wrote:In regard to previous comments, the light can be turned off completely if you are willing jail-break your device


I looks like one may be able to completely turn off the backlight off. (No hack required.)

YouTube: How to Turn the Backlight On & Off.
by pingo
Fri Mar 21, 2014 11:20 pm
 
Forum: Personal Consumer Issues
Topic: Kindle Paperwhite?
Replies: 36
Views: 3242

Re: The Three Fund Portfolio

A valid question, and one I've had as well. Heck, I'd even support bumping the typical 10K Admiral upgrade amount to 30 or 50K for those funds since they are, as you said, funds of funds. ER 0.18% is already extremely low and the simplicity makes using a Target or LifeStrategy fund worthwhile. Also...
by pingo
Fri Mar 21, 2014 9:30 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 738
Views: 254964

Re: Talk me out of my TSP L2050 choice

I have enjoyed reading the everyone's posts, and in particular the perspectives and experiences of MichDad and rosebuds. I think they will help OP and a lot of lurkers and newbies have some perspective on the issue of whether or not to hold bonds. Thank you. Question and curiousity: In my 401k at wo...
by pingo
Fri Mar 21, 2014 10:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Talk me out of my TSP L2050 choice
Replies: 20
Views: 1188

Re: Could this be? (Schwab ETF spread)

Find the average spread for SCHC below. http://www.etf.com/schc For other ETF analytics: http://www.etf.com/etfanalytics/etf-finder Also, when I look at Morningstar.com the bid ask spread information almost always seems out of wack whether it's during trading hours or not. Spreads never seem out of ...
by pingo
Fri Mar 21, 2014 3:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Could this be? (Schwab ETF spread)
Replies: 8
Views: 511

Re: Help with Investment and Portfolio- 24 y/o

I haven't read the rest of this thread carefully, so perhaps that's why I don't understand the question. For the record, I'm with Taylor. The cost benefit from using separate funds is pretty minimal and both the VG Target funds and BlackRock LifePath funds are excellent. You don't need to do anythin...
by pingo
Wed Mar 19, 2014 7:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Investment and Portfolio- 24 y/o
Replies: 16
Views: 733
Next

Return to advanced search