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Re: Investors Pour Into Vanguard, Eschewing Stock Pickers

I'm a huge fan, but I also find it unsettling at times to watch Vanguard become the Juggernaut. There's a contest inside of me between the enthusiast and the contrarian. It's not actionable, investible information, so I stay the course...
by pingo
Thu Aug 21, 2014 7:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Investors Pour Into Vanguard, Eschewing Stock Pickers
Replies: 6
Views: 451

Re: Investment Allocation for 18 y/o [military]

I have about $1000 in large and mid cap stocks right now but I have the ability to trade them for free until December. What does that mean? Surely this must be referring to an outside, non-tax-advantaged account? If you are in a low tax bracket now, which I assume, sell these and use the proceeds t...
by pingo
Thu Aug 21, 2014 6:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Investment Allocation for 18 y/o [military]
Replies: 17
Views: 583

Re: Please help with asset allocation and 401k selections...

-looking for more flexibility than a target retirement date mutual fund is able to give This leads me to wonder if your plan offers such target funds even though you have not included them in the list. The BTC funds that you have listed lead me to wonder if your plan might even offer LifePath Index...
by pingo
Wed Aug 20, 2014 12:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Please help with asset allocation and 401k selections...
Replies: 15
Views: 908

Re: Asset Allocation

Here's Morninstar.com's free Portfolio X-Ray tool: http://portfolio.morningstar.com/RtPort/Free/InstantXRayDEntry.aspx?ChangeMode=P&entrynum=10&productcode= If your employer plan doesn't provide tickers for all the funds, you may have to find proxies to enter into the X-Ray tool. When using ...
by pingo
Tue Aug 19, 2014 12:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation
Replies: 1
Views: 274

Re: difference in performance between VXUS and VTIAX

I will be using my understanding about the performance of VXUS, in part, to choose between it and FSGDX (Fidelity Spartan Global ex U.S. Index Fund Advantage Class). I had noticed a difference when charting VXUS, VTIAX, VGTSX and FSGDX previously, but I don't recall if it was larger than what I see...
by pingo
Tue Aug 19, 2014 12:02 am
 
Forum: Investing - Theory, News & General
Topic: difference in performance between VXUS and VTIAX
Replies: 12
Views: 1114

Re: 100% lifestrategy - good idea for a hands-off investor?

Even when one does not consider the tax-efficiency (or lack thereof) of the bonds used by LS Moderate Growth, there is always the issue of rebalancing which may not be in the best tax interests of the investor. That said, we still don't have enough information and sometimes we have to accept that: 1...
by pingo
Mon Aug 18, 2014 12:51 am
 
Forum: Investing - Help with Personal Investments
Topic: 100% lifestrategy - good idea for a hands-off investor?
Replies: 28
Views: 3184

Re: 3 Fund Portfolio at Schwab?

People keep bringing up Schwab ETFs, which are great, but... Due to trading restrictions at work, I cannot use Schwab ETFs but I am allowed to invest in VWO w/o restrictions. …and since... […]the international fund appears not to include emerging markets. Should I split my international holding in t...
by pingo
Mon Aug 18, 2014 12:36 am
 
Forum: Investing - Help with Personal Investments
Topic: 3 Fund Portfolio at Schwab?
Replies: 29
Views: 2139

Re: Vanguard Target Date Fund 2025

50:50 LS Growth/LS Moderate Growth will give you 70/30.

You don't have to sell/buy to move money from fund to fund. At Vanguard, you want to look for the option to "exchange" funds. That'll allow you to move amounts directly from one fund to the other, or from one or funds into a new fund.
by pingo
Thu Aug 14, 2014 7:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Date Fund 2025
Replies: 7
Views: 649

Re: Maxing out 457 and Traditional IRA: both deductible?

I max out my 457 contributions of $17,500. I now have $57,500 of income less standard deductions and exemptions, for a total AGI in the high $40k range. OP, has something changed significantly since this thread where you do not claim to have an employer-sponsored plan? (i.e. 457.) Also, I'm not in ...
by pingo
Thu Aug 14, 2014 7:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Maxing out 457 and Traditional IRA: both deductible?
Replies: 8
Views: 421

Re: Asset allocation help requested

Since I contributed Trad IRA for 5500 , I think I cannot contribute 401k but I always think what if iam not taking the deduction in Trad IRA and start contributing 401k now..... is there any possible I do both Trad IRA for 5500 AND 401k for another 4600 for 2014 ????????[/color] Contributing to an ...
by pingo
Mon Aug 11, 2014 11:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset allocation help requested
Replies: 6
Views: 852

Re: The Three Fund Portfolio

Do most people do 33.33% of each of the 3 funds index in their portfolio? Honestly, that's not bad. Usually the first order of business (from the simplified Boglehead perspective) is to determine how much risk you want to accept. Translation: determine how much you want in stocks by assuming they'l...
by pingo
Mon Aug 11, 2014 4:03 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 865
Views: 335943

Re: Need for International Investing ?

...or, pick the regret you can live with. :beer
by pingo
Mon Aug 11, 2014 2:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need for International Investing ?
Replies: 49
Views: 2524

Re: Need for International Investing ?

While my approach is to include a healthy dollop of international, I cannot say what I will feel in 25 years. I have accepted the many valid reasons to include international, but I do believe there are many valid ones in the other direction, especially when considering one's personal disposition and...
by pingo
Mon Aug 11, 2014 1:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need for International Investing ?
Replies: 49
Views: 2524

Re: Need for International Investing ?

I take a different read on Warren Buffet, based on several years of reading his letters to Shareholders (for what that's worth): Everytime Mr. Buffet has bet against the U.S. he has been wrong. When I say "bet", I mean in his opinions, not in his investments. He has admitted to have person...
by pingo
Sun Aug 10, 2014 7:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need for International Investing ?
Replies: 49
Views: 2524

Re: Flooring for home gym

@ 6miths:

Any pictures you could share?
by pingo
Sun Aug 10, 2014 4:17 pm
 
Forum: Personal Consumer Issues
Topic: Flooring for home gym
Replies: 19
Views: 1264

Re: The Three Fund Portfolio

I like the idea but what about international bonds? I have put 10% into Vanguards new index in that area. The importance of International Bonds is a non-issue for me. Bonds are important to have. To include International Bonds may also be a qualitative or philosophical consideration: Will having in...
by pingo
Sat Aug 09, 2014 9:37 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 865
Views: 335943

Re: Help me allocate to new 403(b) options

Funds available in his old 401(k) 73 choices, mainly TIAA-CREF and some Vanguard favorites. (Small part of portfolio, I suspect it's not worth your time seeing all the options) Perhaps, it's not worth it, but does it offer any duplicates of what's already offered in Her 403b? Does it happen to incl...
by pingo
Sat Aug 09, 2014 2:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help me allocate to new 403(b) options
Replies: 19
Views: 590

Re: Help me allocate to new 403(b) options

His and Hers Roth IRAs at T. Rowe Price 2.28% Health Sciences (PRHSX) 0.79 And what's up with ^ ? Okay, that sounded negative and there are people who allocate to Health Care. (I seem to recall HC is even included in The Bogleheads Guide .) Do you have strong feelings about the fund or about holdin...
by pingo
Sat Aug 09, 2014 1:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help me allocate to new 403(b) options
Replies: 19
Views: 590

Re: Help me allocate to new 403(b) options

Her 403b just added a Roth403b option. I was planning to continue making traditional contributions, not knowing what our future tax rates may be. Do you think I should consider it? If, as an aside, you are asking if I think you should consider the Roth 403b option…I don't have an opinion. :| It's p...
by pingo
Sat Aug 09, 2014 1:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help me allocate to new 403(b) options
Replies: 19
Views: 590

Re: Asset allocation help requested

1. It'd be a mistake to skip the 401k when you could use the tax break. Your options aren't the worst we've seen. I think what you're saying is that you've corrected course and will now max it out, but I wanted to be sure. 2. Does his 401k have the option to also make after-tax contributions? (I'm ...
by pingo
Sat Aug 09, 2014 11:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Asset allocation help requested
Replies: 6
Views: 852

Re: The Three Fund Portfolio

There's quite a discussion happening on that very topic:

viewtopic.php?f=10&t=143927&newpost=2148900
by pingo
Sat Aug 09, 2014 11:39 am
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 865
Views: 335943

Re: Help me allocate to new 403(b) options

1. Does his 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 to distribute the savings, if desired. Rather than distribute the savings, one can have t...
by pingo
Sat Aug 09, 2014 11:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Help me allocate to new 403(b) options
Replies: 19
Views: 590

Re: Can you actually buy VG funds through Fidelty?? (odd err

I don't see a problem with Longview's reasons except for this detail, mentioned by others:

Image
by pingo
Fri Aug 08, 2014 6:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can you actually buy VG funds through Fidelty?? (odd error)
Replies: 15
Views: 963

Re: Vanguard Developed Markets VTMGX

It does seem bizarre for them to recommend 50:50 Total Int'l/Developed Markets. Total International Idx Fd = 80 - 85% Developed and 15 - 20% Emerging Markets Developed Markets Idx Fd = 100% Developed (no news there) 50:50 = 90 - 92% Developed and 8 - 10% Emerging Markets Given your current portfolio...
by pingo
Fri Aug 08, 2014 5:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Developed Markets VTMGX
Replies: 4
Views: 507

Re: My 401k selections

If we're stuck with choosing between the Vanguard Target Fund or BrokerageLink, one more reason I like the Target Fund is that whatever you invest goes right where it needs to go, regardless of contribution amounts. BrokerageLink has $1000 transfer minimums which could complicate portfolio managemen...
by pingo
Thu Aug 07, 2014 7:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: My 401k selections
Replies: 5
Views: 370

Re: Lifestrategy fund vs. slice-and-dice in 401k

If you simply want simplicity, I see no problem switching over to LifeStrategy Growth. What you have seems reasonable, too. If the question is whether we think one strategy will be better than the other going forward, no one knows, but both paths appear reasonable and I consider them to be roughly e...
by pingo
Thu Aug 07, 2014 6:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lifestrategy fund vs. slice-and-dice in 401k
Replies: 8
Views: 580

Re: Is 401k worth it? No matching, high fees.

Something I failed to mention is that if you're using VASGX in the IRA, there's no need to use any ETFs of separate asset classes. VASGX is a complete portfolio of funds reaching all stock and almost all bond asset classes. If you use VASGX in the employer plan, it makes the most sense to have 100%...
by pingo
Thu Aug 07, 2014 1:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is 401k worth it? No matching, high fees.
Replies: 12
Views: 1372

Re: Is 401k worth it? No matching, high fees.

I'm so glad you looked that up, John . The way I see it, OP would need to work at that employer for 57 years to maybe do better with a taxable account. Definitely use your employer plan! I like the VASGX idea. Something I failed to mention is that if you're using VASGX in the IRA, there's no need t...
by pingo
Wed Aug 06, 2014 1:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is 401k worth it? No matching, high fees.
Replies: 12
Views: 1372

Re: Do you consider your Roth as part of your EF?

Right. It's subjective and personal. I don't recall if it has come up, but asset size can also influence the decision. If I haven't been able to save in a savings account (for emergencies) and max my Roth, so I'm housing my emergency savings inside the Roth, it's possible that I pass through to thre...
by pingo
Wed Aug 06, 2014 1:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you consider your Roth as part of your EF?
Replies: 30
Views: 1811

Re: Is 401k worth it? No matching, high fees.

I'm so glad you looked that up, John. The way I see it, OP would need to work at that employer for 57 years to maybe do better with a taxable account.

Definitely use your employer plan!

I like the VASGX idea.
by pingo
Wed Aug 06, 2014 2:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Is 401k worth it? No matching, high fees.
Replies: 12
Views: 1372

Re: Risk and Return of Tilted and Market Balanced Funds

I've recommended DGSIX a couple times on this forum as it seemed to best meet the criteria of needs and wants of a few posters that have it offered in their employer-sponsored plan. Being a highly diversified 60/40 portfolio with high quality bonds that is run by a disciplined institution, along wit...
by pingo
Tue Aug 05, 2014 11:35 pm
 
Forum: Investing - Theory, News & General
Topic: Risk and Return of Tilted and Market Balanced Funds
Replies: 19
Views: 2456

Re: Target Date Fund vs. 60/40 Allocation

New potential allocation 401(k) Wells Fargo Dow Jones Target Date 2040 Fund Class N Fees 0.3% Exp Ratio (Gross) fee and a 0.3% management fee Is that extra 0.3% management fee specific to the Wells Target Date fund? Or is it actually a fee that the plan levies against whatever your portfolio is?
by pingo
Tue Aug 05, 2014 11:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Target Date Fund vs. 60/40 Allocation
Replies: 9
Views: 1161

Re: Dogs of the Dow ??

The original weblink was removed my mod, so I wont post it anymore. It basically describes in detail on how to do Dog of the Dows. I have not tried it that's why I want to get some opinions, which seems to deem it as a bad strategy. I get the point now [ ] I find this site an invaluable resource. I...
by pingo
Tue Aug 05, 2014 8:29 pm
 
Forum: Investing - Theory, News & General
Topic: Dogs of the Dow ??
Replies: 21
Views: 2331

Re: allocation at retirement

Some thoughts that may not really apply, but I'm just brainstorming: 1. Keep the balanced funds, but have all new contributions go into bond fund(s). For some portfolio sizes, it might not make a dent in the asset allocation, for others it might. If it makes sense for your situation, it allows you t...
by pingo
Tue Aug 05, 2014 8:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: allocation at retirement
Replies: 11
Views: 710

Re: Do you consider your Roth as part of your EF?

+1

One year there was an error in the amount of money transferred into my Roth and it was returned without issue and without affecting that year's contribution limit, as explained to me by Vanguard.
by pingo
Tue Aug 05, 2014 1:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you consider your Roth as part of your EF?
Replies: 30
Views: 1811

Re: Approximating TSM with SSgA Index Funds

Let's take the worst case scenario and pretend the Small Cap Fund has ER 1.5%. Also, I'll overweight Mid/Small (not a recommendation): 70% S&P 500 Idx Fund ER 0.17 15% Mid Cap Idx Fund ER 0.04 15% Sml Cap ??? Fund ER 1.5 Weighted ER = 0.35% So, while most of us would not ever knowingly use a Sma...
by pingo
Tue Aug 05, 2014 1:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Approximating TSM with SSgA Index Funds
Replies: 7
Views: 374

Re: Do you consider your Roth as part of your EF?

Early in our marriage, we didn't have enough for both, so we saved for Emergencies inside of our Roth. That money was not going to be counted with our retirement savings until or unless we reached a point of replacing those savings outside of the account. We were then able to build up a comfortable ...
by pingo
Tue Aug 05, 2014 12:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you consider your Roth as part of your EF?
Replies: 30
Views: 1811

Re: Approximating TSM with SSgA Index Funds

Habu wrote:SSgA SC Ind Sec Lend -->Not sure if this is a Small Cap Index Fund that tracks the Russell 2000 (ER 0.02%) [ ]


You don't have the ER? I'd bet it's the index fund per the "Ind" in the name and because of the other two superstars you listed.
by pingo
Tue Aug 05, 2014 2:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Approximating TSM with SSgA Index Funds
Replies: 7
Views: 374

Re: Approximating TSM with SSgA Index Funds

SSgA S&P 500 Ind SL (SVSPX) ER 0.17% SSgA MC Ind NL (No Ticker) ER 0.02% -->Tracks S&P MidCap 400. Does this ER seem oddly low? The ERs are legit. My employer actually offers SVSPX at ER 0.03% in a 457 and the SSgA Mid Cap 400 fund at ER 0.05% in a 401k. The "securities lending" i...
by pingo
Tue Aug 05, 2014 2:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Approximating TSM with SSgA Index Funds
Replies: 7
Views: 374

Re: International investing. A good call by our mentor.

What I object to, is that despite his entire argument and the points made, it gets summed up to some sort of patriotic loyalty. It's a lot more than that, and I don't believe he ever used that as a point of reason. I may be misreading what you (or others) wrote or I may be misunderstanding the effe...
by pingo
Mon Aug 04, 2014 5:57 pm
 
Forum: Investing - Theory, News & General
Topic: International investing. A good call by our mentor.
Replies: 145
Views: 12277

Re: International investing. A good call by our mentor.

The main resource is the chapter called "Acres of Diamonds" in Common Sense on Mutual Funds. It's a great story with many morals for me personally, but I do not find it inconsistent with my interpretation of the body of Mr. Bogle's words. That said, it has been a while, so a refresher is ...
by pingo
Mon Aug 04, 2014 5:11 pm
 
Forum: Investing - Theory, News & General
Topic: International investing. A good call by our mentor.
Replies: 145
Views: 12277

Re: International investing. A good call by our mentor.

I think you might want to read his books. That would be a good start. Agreed. I have read The Little Book of Common Sense Investing and Common Sense on Mutual Funds . I have read (and seen) a few speeches and interviews, articles and many, many quotes provided in articles and thread discussions. It...
by pingo
Mon Aug 04, 2014 2:42 pm
 
Forum: Investing - Theory, News & General
Topic: International investing. A good call by our mentor.
Replies: 145
Views: 12277

Re: Dogs of the Dow ??

Oops! Here's the comparison of losses during the last market crash: http://i57.tinypic.com/2md1fea.jpg I hope that none of this is interpreted as piling on the OP. It's a good question. I think the moral of the story is in the first response to OP by Imperabo : I think it's bad because it's being pr...
by pingo
Mon Aug 04, 2014 1:46 pm
 
Forum: Investing - Theory, News & General
Topic: Dogs of the Dow ??
Replies: 21
Views: 2331

Re: Dogs of the Dow ??

A comparison that's still not quite the same, but in some ways gets closer, would be between HBFBX, Vanguard Tax-Managed Balanced Fund (VTMFX) and the JPMorgan Investor Balanced Fund (OGIAX), which I only know about because a bank advisor sold it to my mother-in-law with a 4.50%. (!) All three are 5...
by pingo
Mon Aug 04, 2014 1:12 pm
 
Forum: Investing - Theory, News & General
Topic: Dogs of the Dow ??
Replies: 21
Views: 2331

Re: International investing. A good call by our mentor.

I'm late to this discussion, but my contribution will be from another discussion : +1 Nothing I have ever read or heard from John Bogle's has led me to believe anything but the following: his statements about international investing is a simple question of his philosophy, willingness, need and toler...
by pingo
Mon Aug 04, 2014 1:33 am
 
Forum: Investing - Theory, News & General
Topic: International investing. A good call by our mentor.
Replies: 145
Views: 12277

Re: Dogs of the Dow ??

If no one has said it yet, welcome to the Forum! :happy Mark Hulbert produces The Hulbert Financial Digest which tracks the performance of stock picking newsletters. Here's a 2011 MarketWatch post from him concerning the Dogs of the Dow: How Not To Seek Dividend Income Once an effect or pattern beco...
by pingo
Mon Aug 04, 2014 1:22 am
 
Forum: Investing - Theory, News & General
Topic: Dogs of the Dow ??
Replies: 21
Views: 2331

Re: Fidelity 401k choices

It's worth it. Splitting things on a spreadsheet is trivial. It's that flexibility that makes them so valuable. Just check the percentages each month and multiply accordingly. I'm no pro with spreadsheets, but I figured out a way to roughly have it calculate our target fund asset allocation (based ...
by pingo
Sun Aug 03, 2014 12:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity 401k choices
Replies: 8
Views: 826

Re: Fidelity 401k choices

Not to continuously pop in and piggy back on livesoft 's suggestion, but... ...I'd do what livesoft suggests. :happy Otherwise, using ACITX may be the best you can do. As for your nifty spreadsheet, using a Freedom Fund shouldn't hurt things, but I suppose it's all in one's perspective. In our case,...
by pingo
Sun Aug 03, 2014 12:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity 401k choices
Replies: 8
Views: 826

Re: Please confirm my back door Roth understanding

Traveller wrote:Sorry for leaving out that important factor. We have approx 15 years to retirement so we should be able to come out ahead.


Just remember that ages 50+ can contribute $5,500/yr plus catchup contributions of $1,000/yr = $6,500 total.
by pingo
Wed Jul 30, 2014 7:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please confirm my back door Roth understanding
Replies: 15
Views: 1295
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