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Re: International increase in Target Retirement & LifeStrate

Me too. I stand corrected. There will even be Bogleheads that see the move as exactly what they want: ongoing investment decisions made by an experienced portfolio management team. Nothin' wrong with it. My hyperbole detector is faulty, but there I note a bit of it in this thread. So have we caught...
by pingo
Wed Mar 04, 2015 2:10 pm
 
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 149
Views: 10747

Re: The Three Fund Portfolio

Just use SCHF. It includes samll and Emerging. If you're content with SCHB, you should be content with SCHF Not so. SCHF is essentially a Developed-only large cap fund, although it does hold a few mid caps. (Source link .) I agree that it's okay to use only SCHF for one's international exposure, al...
by pingo
Wed Mar 04, 2015 1:56 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1027
Views: 461097

Re: Portfolio Analysis

If the 403b has acceptable options and isn't too costly, she might look into her options upon leaving employment. For example... ...can she leave the 403b with her employer? ...will the 403b be charged exorbitant fees for remaining there while she is no longer working there? An ideal circumstance wo...
by pingo
Tue Mar 03, 2015 7:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Analysis
Replies: 4
Views: 483

Re: Portfolio Analysis

Another point that's worth exploring (copied from a different thread): Does your 401k have the option to also make after-tax contributions? (I'm not referring to Roth 401k option.) Some plans allow participants to also make after-tax contributions with the option each year to distribute the savings,...
by pingo
Mon Mar 02, 2015 1:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Analysis
Replies: 4
Views: 483

Re: Portfolio Analysis

Welcome to the forum! :D So you do not have any Traditional IRAs? She does not have any investments/accounts to consider? If what you posted is complete, then you can do what we affectionately call the Backdoor Roth IRA. It basically consists of making non-deductible "traditional" IRA cont...
by pingo
Mon Mar 02, 2015 1:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Analysis
Replies: 4
Views: 483

Re: International increase in Target Retirement & LifeStrate

I wrote this exact post a year or two ago that 40% was right around the corner. It was obvious. No surprise here. Next is 50% US & 50% International. Good point. Perhaps Vanguard's unstated "course" for some time has been to transition in stages to a higher amount of international. Wh...
by pingo
Sat Feb 28, 2015 12:42 pm
 
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 149
Views: 10747

Re: Is this a good AA plan?

New annual contributions $18K his 401K (company match $13K) $18K her TSP (no match) $5.5K his Roth $5.5K her Roth The rest will go towards paying off the 5+% debt, which should take about 4-5 months. Once that is paid off, we will open up a taxable account for retirement purposes. How much is "...
by pingo
Sat Feb 28, 2015 2:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Is this a good AA plan?
Replies: 7
Views: 760

Re: Is the first 100k really the hardest?

All my life I have heard that the first X is the hardest. Is that not like saying that two miles is a longer distance than one mile? [...] In my case, it's why I emphasized that the first X *felt* like a long time, and the second X *felt* like it took just as long, even though it must have taken lo...
by pingo
Fri Feb 27, 2015 5:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is the first 100k really the hardest?
Replies: 58
Views: 8866

Re: Is the first 100k really the hardest?

The first 10k felt like it took forever.
The first 100k felt like it took just as long.
I expect the first million to feel even longer...if we make it that far.

Then again, once we hit 100k, it didn't take long to hit 250k. Time will tell.
by pingo
Thu Feb 26, 2015 2:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is the first 100k really the hardest?
Replies: 58
Views: 8866

Re: International increase in Target Retirement & LifeStrate

I do tend to think that Vanguard should be embarrassed to present these as funds you are expected to plan on using for a lifetime (there's no point in the glide slope if you aren't planning to stay in the fund long enough for the allocation to change much), when they can't stick to their own plan f...
by pingo
Thu Feb 26, 2015 2:07 pm
 
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 149
Views: 10747

Re: Total International ER drop

G-Money wrote:You've got to get up pretty early in the morning to be the first Boglehead to post about lower ERs. :)


I call it the Efficient Forum Hypothesis. Not too many $100 bills laying on the ground around here, either. :D
by pingo
Thu Feb 26, 2015 1:55 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Tot Intl and Emerging Markets just got cheaper
Replies: 56
Views: 6225

Re: "The world's largest non-commercial financial forum".

...blenders, button-ups, tablet PCs...
by pingo
Thu Feb 26, 2015 1:51 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: "The world's largest non-commercial financial forum".
Replies: 29
Views: 2195

Re: John Bogle on International Investing

You forgot about Warren. In his letter to Berkshire shareholders he writes, "Indeed, who has ever benefited during the past 237 years by betting against America? If you compare our country's present condition to that existing in 1776, you have to rub your eyes in wonder. And the dynamism embed...
by pingo
Thu Feb 19, 2015 6:00 pm
 
Forum: Investing - Theory, News & General
Topic: John Bogle on International Investing
Replies: 184
Views: 15064

Re: Target date funds

Stick with what you've been doing. They're both wonderful target fund series. The underlying components of the TRP retirement funds are not so difficult to understand. They are almost as straight forward as Vanguard's, except that there are more of them. In comparing performance between the two... h...
by pingo
Tue Feb 17, 2015 7:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Target date funds-- Retirement Tax RMD Planning
Replies: 11
Views: 1356

Re: John Bogle on International Investing

Well...the other reason these threads come up is the divergence of probably the majority of Bogleheads with our mentor, a man who continues to emphasize the adequacy of an all-U.S. portfolio. In the case of this thread, Stemikger gets to live with the satisfaction of saying, "Not only do I inve...
by pingo
Tue Feb 17, 2015 6:04 pm
 
Forum: Investing - Theory, News & General
Topic: John Bogle on International Investing
Replies: 184
Views: 15064

Re: John Bogle on International Investing

Perhaps we all might agree that a completely valid reason to invest U.S.-only is when one's only viable investment option is a low-cost S&P 500 fund in an employer plan.
by pingo
Wed Feb 11, 2015 3:18 pm
 
Forum: Investing - Theory, News & General
Topic: John Bogle on International Investing
Replies: 184
Views: 15064

Re: John Bogle on International Investing

In The Four Pillars of Investing , William Bernstein offers an interesting discussion about risk and reward both historically and internationally and he goes pretty far back. The "best" countries to invest tend to yield lower returns than the "worst". I recommend Bernstein's work...
by pingo
Tue Feb 10, 2015 5:55 pm
 
Forum: Investing - Theory, News & General
Topic: John Bogle on International Investing
Replies: 184
Views: 15064

Re: Paperless Office?

3) Downloaded owners' manuals from manufacturers and thrown out hard copy manuals And most owner's manuals are already online for downloading; no scanning necessary. If you really want to live life on the edge, you won't save manuals at all; just trust that they'll be online when needed. For what i...
by pingo
Mon Feb 09, 2015 2:47 pm
 
Forum: Personal Consumer Issues
Topic: Paperless Office?
Replies: 55
Views: 3150

Re: John Bogle on International Investing

It is about philosophy, willingness, need and tolerance for risk. "No international" is what helps John Bogle stay the course. Here, John Bogle resonates with Stemikger, therefore Stemikger is more likely to stay the course. In this instance, John Bogle does not resonate with me. Were I to...
by pingo
Mon Feb 09, 2015 2:22 pm
 
Forum: Investing - Theory, News & General
Topic: John Bogle on International Investing
Replies: 184
Views: 15064

Re: High Expense Funds vs Vanguard: No Difference?

I started responding a night or two ago and couldn't finish my post. Now that I've come back I see that doing so may simply rehash what has already been, well, hashed. I have also added responses to later posts…for whatever that's worth at this point. My goal is to maximize the number of tacos that ...
by pingo
Sat Jan 31, 2015 6:50 am
 
Forum: Investing - Theory, News & General
Topic: High Expense Funds vs Vanguard: No Difference?
Replies: 37
Views: 2748

Re: High Expense Funds vs Vanguard: No Difference?

We cannot invest in the past, only the future. I, too, may be missing the OP's point, but high ERs increase the chance/probability of underperforming the benchmark. Low ER actively managed funds have much greater chances of beating their benchmarks, assuming they're not closet index funds. Before a ...
by pingo
Thu Jan 29, 2015 7:52 am
 
Forum: Investing - Theory, News & General
Topic: High Expense Funds vs Vanguard: No Difference?
Replies: 37
Views: 2748

Re: Critique of Fidelity Index Portfolio

I haven't read this thread carefully, so take this for what it's worth, since it's just a copy-paste from elsewhere. Does the 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 ...
by pingo
Thu Jan 29, 2015 7:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Critique of Fidelity Index Portfolio
Replies: 28
Views: 1485

Re: Investing advice for beginner

+1 She's a freakin' rock star as far as I'm concerned. Just 'cause we love tinkering, it'd be nice to know what her portfolio/account setup is to ensure she has a coherent investment plan, even if that just means having everything in a target date fund. She appears to be in a situation where she can...
by pingo
Thu Jan 29, 2015 7:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing advice for beginner
Replies: 6
Views: 580

Re: Age limit on IRA deduction

Account contributions can be withdrawn at any time, regardless of the life of the account.

Account earnings can be withdrawn penalty-fee and tax-free five years after account has been opened and after age 59.5.
by pingo
Wed Jan 28, 2015 6:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Age limit on IRA deduction
Replies: 24
Views: 1354

Re: Is "stay the course" a commandment or a suggestion?

Oh! Check this out. Robert T quotes Common Sense on Mutual Funds regarding "staying the course" and "mid-course correction": http://www.bogleheads.org/forum/viewtop ... d#p1869331
by pingo
Tue Jan 06, 2015 9:34 pm
 
Forum: Investing - Theory, News & General
Topic: Is "stay the course" a commandment or a suggestion?
Replies: 60
Views: 4133

Re: Is "stay the course" a commandment or a suggestion?

Suggestion. Kind of like a financial equivalent to having "DON'T PANIC" in large, friendly letters. Preferably on the cover of a common sense investing book that has outsold The Bogleheads' Guide to Investing because it is slightly cheaper. Nice! I'd love to see that little green guy in t...
by pingo
Tue Jan 06, 2015 9:24 pm
 
Forum: Investing - Theory, News & General
Topic: Is "stay the course" a commandment or a suggestion?
Replies: 60
Views: 4133

Re: What to do with my Vanguard Roth IRA?

This was actually a chief concern since I know there's a lot of overlap in my investments and I knew I was thinking of each account as a portfolio and trying to stop that and find ways to maximize tax efficiency I guess? I've done some reading on the links posted already actually but do need some m...
by pingo
Tue Jan 06, 2015 9:07 am
 
Forum: Investing - Help with Personal Investments
Topic: What to do with my Vanguard Roth IRA?
Replies: 12
Views: 1099

Re: Is "stay the course" a commandment or a suggestion?

I would say that it means: Create an asset allocation that includes bonds to reduce the volatility caused by the stock part of your portfolio, then rebalance when needed. This balanced approach will help you to stay the course. Once you set up a Boglehead portfolio, the only real course correction ...
by pingo
Tue Jan 06, 2015 8:39 am
 
Forum: Investing - Theory, News & General
Topic: Is "stay the course" a commandment or a suggestion?
Replies: 60
Views: 4133

Re: What to do with my Vanguard Roth IRA?

Welcome to the forum! :D I am very confused about what you actually have. Could you look at Investment Planning and Asking Portfolio Questions and post the requested information in the standard format? You will then receive many helpful comments. +1 You must stop looking at each account as a separat...
by pingo
Mon Jan 05, 2015 11:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with my Vanguard Roth IRA?
Replies: 12
Views: 1099

Re: Annual Porfolio Review

Indeed, it'd be nice if we had a more clear list of the total funds. I agree. $20,000 taxable investments (liquidated) - $6,000 debt payoff $14,000 subtotal of remaining cash + $20,000 current house savings $36,000 house savings You're reallocating $14k from taxable to the house. Since the taxable ...
by pingo
Mon Jan 05, 2015 7:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Annual Porfolio Review
Replies: 13
Views: 2070

Re: Annual Porfolio Review

Something doesn't make sense here, although it wouldn't be the first time I've misunderstood things. I thought that halohalo was managing $5,500/yr Roth contributions + $2,000/yr before looking at where to put the $2k (house savings, debt, taxable or 401k), but that looks to have been a mistake. mnv...
by pingo
Mon Jan 05, 2015 11:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Annual Porfolio Review
Replies: 13
Views: 2070

Re: Annual Porfolio Review

The funds you selected for your taxable investment account are wonderful, except for the fact that they are bad for a taxable investment account (not tax-efficient). Whatever you do, turn off dividend re-investment for those funds! Consider liquidating them to use for debt payment and house downpaym...
by pingo
Sun Jan 04, 2015 2:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Annual Porfolio Review
Replies: 13
Views: 2070

Re: Rick Ferri looking to internationalize his portfolio

That's not market timing, but neither is it "staying the course." That's "making a course correction." Well said. To me, staying the course is neither predicting nor reacting to short-term market activity. It does not toy nor make "plays". It ignores the noise and is n...
by pingo
Thu Jan 01, 2015 6:44 pm
 
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 296
Views: 36175

Re: Rick Ferri looking to internationalize his portfolio

Sometime in 2015, I may shift my portfolio to a more global stock and bond allocation. Nailed it. Now I have to wait to see if I was right about the other part: I imagine it would look like this: 40% Total Bond, 20% Total International Bond, 20% High Yield and 20% TIPS. Of course, then you start wo...
by pingo
Thu Jan 01, 2015 6:25 pm
 
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 296
Views: 36175

Re: Rick Ferri's 60/40 portfolio mix

I'm a big Rick Ferri fan. But business is business. Rick hopes that his slice and dice 60/40 portfolio will beat the Boglehead 3 fund 60/40 port by more than enough to offset his fee. Here's the problem. Over the last 80+ years, a frictionless (cost free) 60/40 port has delivered a 5.0% real CAGR. ...
by pingo
Wed Dec 31, 2014 7:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rick Ferri's 60/40 portfolio mix
Replies: 26
Views: 5642

Re: Rick Ferri's 60/40 portfolio mix

Minor edits below: To stay in business Rick needs to justify his fees by complicating the above super simple and extremely cheap super port. I'm trying to find a thread from not too long ago where someone had a similar question and Rick Ferri chimed in. I thought it was a perfect example of the kin...
by pingo
Wed Dec 31, 2014 2:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rick Ferri's 60/40 portfolio mix
Replies: 26
Views: 5642

Re: Schwab International ETF Help

^ There is a lot of redundancy and overlap, but I don't see the right kind of details to help us help you. For starters, you've told us what you were doing ( Paul Merriman UB&H strategy ), but you haven't told us what you are trying to accomplish now . Paul Merriman's portfolio is complex, but y...
by pingo
Sun Dec 28, 2014 2:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Schwab International ETF Help
Replies: 15
Views: 1890

Re: Looking for comments on my portfolio

Edited to change suggested fund in Her Roth IRA. I'm not great with the taxes, but if it's just His income during 2015, you'll probably end up in the 15% federal bracket: $110,000 Gross Income for 2015 - 18,000 His personal 401k contributions - 1,500 medical/dental premiums <--I pulled this out of ...
by pingo
Sun Dec 21, 2014 9:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Looking for comments on my portfolio
Replies: 6
Views: 707

Re: Bogle Advises Investing No More Than 20% Outside U.S.

It's pretty clear what Jack thinks and as the Russian currency implodes you get some sense of what "currency risk" can amount to for U.S. investors. Jack's advice is looking pretty good. I don't disagree, but also as the Russian currency implodes you get some sense of how John Bogle's sug...
by pingo
Wed Dec 17, 2014 4:38 am
 
Forum: Investing - Theory, News & General
Topic: Bogle Advises Investing No More Than 20% Outside U.S.
Replies: 106
Views: 13234

Re: My first non fee advisor meeting..confused

My understanding (not from personal experience) was that December 31 is the deadline for opening an Individual 401k, and that one's personal contributions (up to the 2015 $18k limit) must also be made by that deadline, but that the business "profit sharing" contributions may be made until ...
by pingo
Tue Dec 16, 2014 9:33 am
 
Forum: Investing - Help with Personal Investments
Topic: My first non fee advisor meeting..confused
Replies: 35
Views: 4742

Re: The Three Fund Portfolio

So does this mean that if I am only investing in my company's Traditional 401k (which does not have Vanguard) and Vanguard for my Roth IRA, there is no advantage to using the 3-fund portfolio if I am able to use Target Retirement? Taylor's right, but I'm not sure your question is as specific as you...
by pingo
Mon Dec 15, 2014 6:15 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1027
Views: 461097

Re: TIPS Fund With Commodities?!?!

How much did this fund drop on Nov 28th 2014? I thought I'd come back to this question because it turns out I can look up for than I thought. From November 27 to November 28 2014 there was a 1.42% drop. (-1.42%) It also turns out I can chart the performance of individual employer options to some de...
by pingo
Fri Dec 12, 2014 8:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIPS Fund With Commodities?!?!
Replies: 8
Views: 1324

Re: A New 401k

Honestly, I don't know how they count the days, so out of ignorance I'd make it 91 days to be on the safe side. If by "make fund % changes" you mean transfer out of a fund, yes. (Come to think of it, your 401k might have a rebalancing tool that'll do the all the work for you when the time ...
by pingo
Fri Dec 12, 2014 6:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: A New 401k
Replies: 46
Views: 6374

Re: new 401k plan help

I see no problems with your fund placement nor with the relationships of Lg:Md:Sm or U.S.:International, etc. Very nice work.

It's true that when most of us see 0% bonds, we cringe. However, it's a very personal choice and you have a plan.

Now go get 'em, tiger. :beer
by pingo
Fri Dec 12, 2014 1:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: new 401k plan help
Replies: 23
Views: 1839

Re: A New 401k

^ That sounds right, but I think they'll include new contributions in the calculation. (That's the case with my sister's Fidelity 401k.) You'll probably have a small amount levied each time you exchange funds to rebalance because there will usually have been contributions within the prior 90 days. T...
by pingo
Thu Dec 11, 2014 1:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: A New 401k
Replies: 46
Views: 6374

Re: The Three Fund Portfolio

Edited: @ kkhanmd Taylor's right, but the answer to the SEC yield/capital gains question is that SEC yield is referring to dividend and/or interest income, not capital gains. Capital gains occur when assets increase in value (like a house), but they're not taxable until you have those earnings in h...
by pingo
Wed Dec 10, 2014 1:48 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1027
Views: 461097

Re: Bogle Advises Investing No More Than 20% Outside U.S.

Let's look at 3 investors: One uses Vanguard Total World Stock Index Fund One uses 50:50 Total U.S./ Total International One holds 20% International per John Bogle's suggestions Now, riddle me this: 1. Which investor's portfolio is the most complex? 2. Which investor has the largest exposure to the...
by pingo
Tue Dec 09, 2014 2:53 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle Advises Investing No More Than 20% Outside U.S.
Replies: 106
Views: 13234

Re: Bogle Advises Investing No More Than 20% Outside U.S.

Let's look at 3 investors: One uses Vanguard Total World Stock Index Fund One uses 50:50 Total U.S./ Total International One holds 20% International per John Bogle's suggestions Now, riddle me this: 1. Which investor's portfolio is the most complex? 2. Which investor has the largest exposure to the...
by pingo
Mon Dec 08, 2014 12:31 am
 
Forum: Investing - Theory, News & General
Topic: Bogle Advises Investing No More Than 20% Outside U.S.
Replies: 106
Views: 13234

Re: Bogle Advises Investing No More Than 20% Outside U.S.

Let's look at 3 investors: One uses Vanguard Total World Stock Index Fund One uses 50:50 Total U.S./ Total International One holds 20% International per John Bogle's suggestions Now, riddle me this: 1. Which investor's portfolio is the most complex? 2. Which investor has the largest exposure to the ...
by pingo
Sun Dec 07, 2014 8:03 am
 
Forum: Investing - Theory, News & General
Topic: Bogle Advises Investing No More Than 20% Outside U.S.
Replies: 106
Views: 13234

Re: A New 401k

Yep. Gotta see those percents.

Also, does either of you expect a pension in retirement?
by pingo
Fri Dec 05, 2014 5:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: A New 401k
Replies: 46
Views: 6374
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