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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 10:00 am
 
Forum: Investing - Help with Personal Investments
Topic: How to best adjust asset allocation as years pass
Replies: 21
Views: 1762

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 9:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Help! Are we making a huge mistake?
Replies: 39
Views: 4774

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 1:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Help compare Vanguard Three Fund vs Edward Jones Am. Fund
Replies: 25
Views: 2102

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 1:20 am
 
Forum: Investing - Help with Personal Investments
Topic: New - looking for portfolio advice
Replies: 15
Views: 1499

Re: Heads-Up New Indexers

Nice article/blogpost. My thanks to both Barry and Paul (pkcrafter) for the good work you do.
by pingo
Sun Sep 14, 2014 3:41 am
 
Forum: Investing - Theory, News & General
Topic: Heads-Up New Indexers
Replies: 2
Views: 881

Re: Portfolio Checkup

What is the recommended place for emergency savings? I'd prefer it not sitting in my checking or CD earning very low interest. I felt that VCAIX was relatively safe given I can get the money out within 3 business day and still keep a little buffer in my checking. I have no problem with using VCAIX ...
by pingo
Fri Sep 12, 2014 10:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Checkup
Replies: 6
Views: 763

Re: Portfolio Checkup

Desired International allocation: Looking for Guidance If you're not particularly fearful of investing in international markets, a middle of the road starting point is roughly 1/3 of your stocks (which would be 1/4 of your whole portfolio). 1) Looking for any guidance on my free cash that I current...
by pingo
Fri Sep 12, 2014 1:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Checkup
Replies: 6
Views: 763

Re: Portfolio Checkup

As to additional tax-advantaged holdings: what if you could additionally transfer the cash and bonds of your taxable investing into your Roth IRA without affecting your current Roth IRA contributions? Some people have an after-tax 401k elective savings option that can be re-directed each quarter/yea...
by pingo
Fri Sep 12, 2014 1:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Checkup
Replies: 6
Views: 763

Re: $1000 to Invest - Need Help!

I just wanted to add that if you keep reading these boards you might find it can be hard sometimes to see people offhandedly asking about what do do with an extra 100k or more (speaking from experience) so I thought I'd preemptively say: don't get discouraged, if you are contributing just $25 regul...
by pingo
Wed Sep 10, 2014 2:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: $1000 to Invest - Need Help!
Replies: 17
Views: 1139

Re: $1000 to Invest - Need Help!

In a way, that is a question only you can answer. Of course, it helps to weigh your situation with the perspectives and decisions of others. We assume that your 90/10 target fund will fall by 40-45% during the next market apocalypse. (There's always one around the corner.) Are you comfortable with t...
by pingo
Wed Sep 10, 2014 11:04 am
 
Forum: Investing - Help with Personal Investments
Topic: $1000 to Invest - Need Help!
Replies: 17
Views: 1139

Re: $1000 to Invest - Need Help!

It is not an improvement to forego one's cornflakes, milk, strawberries and omelet in order to merely stuff one's mouth with large handfuls of dry cornflakes without the milk, strawberries or omelet. Your target fund is like a balanced meal. Better yet, it's like a balanced diet that also includes c...
by pingo
Wed Sep 10, 2014 8:41 am
 
Forum: Investing - Help with Personal Investments
Topic: $1000 to Invest - Need Help!
Replies: 17
Views: 1139

Re: 31 Year Old Couple - Financial Check Up

^ Thanks. I was looking and looking and I still missed it. It appears that the TIRA was setup just recently and it's 0.1% of the portfolio and it's in cash, so OP can convert it to a Roth with little/zero tax consequences in order to do the backdoor Roth as planned. I suggest OP doesn't do anything ...
by pingo
Tue Sep 09, 2014 10:22 am
 
Forum: Investing - Help with Personal Investments
Topic: 31 Year Old Couple - Financial Check Up
Replies: 7
Views: 1266

Re: 31 Year Old Couple - Financial Check Up

My wife does not have a very high risk tolerance level, so our AA is a little conservative for a couple our age. She did a great job building her 401k… No need to confuse risk tolerance with being a great investor. She is a great investor. ( Know thyself, and all that.) Have about $2k per month flo...
by pingo
Tue Sep 09, 2014 9:50 am
 
Forum: Investing - Help with Personal Investments
Topic: 31 Year Old Couple - Financial Check Up
Replies: 7
Views: 1266

Re: Two Questions [Asset allocation]

As stated, there's nothing with inherently wrong with 26% or 42% of stocks being international, unless your personal tastes, philosophy, willingness, need and/or tolerance for risk dictates otherwise. The "percent of portfolio" versus "percent of stocks" thing usually needs clari...
by pingo
Sat Sep 06, 2014 4:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Two Questions [Asset allocation]
Replies: 11
Views: 767

Re: Three portfolios: Which one?

Hmmm. Given only the choice of one or the other, I think I'd prefer a global stock portfolio over a U.S.-only stock portfolio if I in the U.S. and even moreso if I were outside the U.S. Then again, that's my preference.
by pingo
Sat Sep 06, 2014 12:55 am
 
Forum: Investing - Theory, News & General
Topic: Three portfolios: Which one?
Replies: 4
Views: 715

Re: Two Questions [Asset allocation]

I've just reviewed my portfolio that I put together from the good advice that is given here. I have two questions. My Total International is 14.8% of my portfolio . My age is 53 and my wife's age is 56. My domestic equity position is 42% giving me a 56.8 stock and 43.2 bond mix. Do I have enough in...
by pingo
Sat Sep 06, 2014 12:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Two Questions [Asset allocation]
Replies: 11
Views: 767

Re: Use only tax-deferred vehicles? If so, help me pick!

Welcome to the forum! :happy - If we maxed both salary deferral plans, the sum of those plus the contribution plan gets us over our goal number by 5k. I can live with that. :wink: Of course, I have no idea the amount of debt, the debt interest rate(s) nor the impact $5000 would have in paying it off...
by pingo
Tue Sep 02, 2014 8:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Use only tax-deferred vehicles? If so, help me pick!
Replies: 12
Views: 1015

Re: New - looking for portfolio advice

stromboli, does your plan state that you can move the after-tax 401k amounts each quarter? Each year? Also, do plan rules require that your 401k after-tax savings mirror the allocations of the Traditional/Roth 401k side? Or would you be allowed to, say, put the money in only a bond fund while it aw...
by pingo
Sun Aug 31, 2014 6:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: New - looking for portfolio advice
Replies: 15
Views: 1499

Re: New - looking for portfolio advice

OP, do you receive an employer match? How much will it come to each year in dollars ? Please add that to the list of annual contributions. You say you just opened up the Roth, but show no percent. We need to see a calculation of what percent of the portfolio is represented by the Roth IRA. That is, ...
by pingo
Fri Aug 29, 2014 1:50 am
 
Forum: Investing - Help with Personal Investments
Topic: New - looking for portfolio advice
Replies: 15
Views: 1499

Re: How I beat Indexing... in 1 hour

The title should be "How I beat Indexing.... for 1 hour." It reminds me of someone I knew who was involved in some internet "business opportunity" clicking links or something or other. That person would post things like, "This is the most incredible opportunity I have ever ...
by pingo
Tue Aug 26, 2014 10:50 am
 
Forum: Investing - Theory, News & General
Topic: How I beat Indexing... in 1 hour
Replies: 56
Views: 8323

Re: Help with 403b choice

A couple more things occurred to me after posting the above, which I hope will put your mind somewhat at ease. But please remember: I'm not an expert nor am I a professional. I'm a random internet person who's thinking out loud. Based on our discussion so far, I'm going to assume that after the 2.5%...
by pingo
Tue Aug 26, 2014 3:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with 403b choice
Replies: 16
Views: 1495

Re: Help with 403b choice

I may rethink getting out of REREX in His 403b/401a. I'm no expert, but I think that given your situation, it's okay to use REREX or go without it. Some Bogleheads simply can't swallow that expense ratio and would rather forego international equities. If it were me (for what that's worth), I'd be p...
by pingo
Tue Aug 26, 2014 1:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with 403b choice
Replies: 16
Views: 1495

Re: Portfolio Review - Self-Employed Couple

One more thing, since I didn't do the math before: no matter how you use Admiral shares, you'd end up with a weighted ER of 0.12% versus 0.17% for Vanguard to do all the work for you in those LifeStrategy funds. I guess that comes to about a $75/yr difference. Here's what it looks like: Her Individu...
by pingo
Mon Aug 25, 2014 2:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Self-Employed Couple
Replies: 4
Views: 689

Re: Favorite guitarist...

I was only asked to vote on my favorite of the three guitarists listed, so I did.

OP's thread, OP's rules.
by pingo
Mon Aug 25, 2014 1:21 pm
 
Forum: Personal Consumer Issues
Topic: Favorite guitarist...
Replies: 207
Views: 21172

Re: International allocation

I know bogle promotes roughly 10%, 20 max. When I have read comments by our mentor about how much one might hold internationally, he has said 20% max while also suggesting that it be comprised of 1/2 Developed Markets and 1/2 Emerging Markets . That would mean 2 funds for international investing ve...
by pingo
Mon Aug 25, 2014 10:16 am
 
Forum: Investing - Theory, News & General
Topic: International allocation
Replies: 73
Views: 4249

Re: Newbie Seeking Portfolio Guidance

Pingo, I don't quite understand what you mean by using a single TSP L and a single Vanguard fund in each type of account. Do you mean a Roth and a tax-deferred account? I merely meant that if your taxable account is out of the way, there's really no need to manage a long list of different funds in ...
by pingo
Mon Aug 25, 2014 2:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Newbie Seeking Portfolio Guidance
Replies: 12
Views: 1351

Re: Help with 403b choice

You know, I think a few things sunk in that had not sunk in at first read. First and foremost, new contributions (low 5 figures) will dominate the portfolio (low 5 figures) so knowing the present or future status of the taxable account isn't so important because it's impact on the portfolio will dis...
by pingo
Mon Aug 25, 2014 1:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with 403b choice
Replies: 16
Views: 1495

Re: Portfolio Review - Self-Employed Couple

Here's a bump to hopefully bring you more traffic on a slow Sunday. 1. Now that my balances are getting more substantial, does it makes sense to switch out of the TR funds and buy admiral shares? The Indiv 401K account unfortunately doesn’t allow this, but the IRAs would. Here are some reasons not t...
by pingo
Sun Aug 24, 2014 7:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Self-Employed Couple
Replies: 4
Views: 689

Re: 401k ER Reduction / Bond Funds

Being a Boglehead, I don't put much stock in past performance and I respect grabiner 's knowledge and experience so much that I consider his posts with great care. The only thing I'll quibble with is that EuroPacific Growth isn't really a developed markets fund. It includes Emerging Markets at weigh...
by pingo
Sat Aug 23, 2014 9:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k ER Reduction / Bond Funds
Replies: 11
Views: 954

Re: convince me not to use traditional IRA for house downpay

The "finite" amount is often more than one can consistently afford. We often assume the saturated case in theory, whereas it is rare in real life (less rare among bogleheads, sure, but still uncommon). Many people have enough tax-advantaged space to be saving a third of their gross income...
by pingo
Sat Aug 23, 2014 8:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: convince me not to use traditional IRA for house downpayment
Replies: 23
Views: 2412

Re: Newbie Seeking Portfolio Guidance

One thought I had was to have her contribute the annual max to the pre-tax Traditional TSP in case OP doesn't have enough headroom in the 15% federal bracket to liquidate taxable assets with 0% long-term capital gains taxation. After that is accomplished she could stop pre-tax Traditional TSP contri...
by pingo
Sat Aug 23, 2014 8:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie Seeking Portfolio Guidance
Replies: 12
Views: 1351

Re: Help with 403b choice

LynnC wrote:Always makes me wonder, what the kick back is to the district?


I don't know for sure, but something somewhere gave me the impression that unions can be in a position to benefit from such arrangements.
by pingo
Sat Aug 23, 2014 5:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with 403b choice
Replies: 16
Views: 1495

Re: Help with 403b choice

More questions: Are we to assume that His 403b and 401a options are identical? Are the 403b and 401a accounts required to be setup identically? Or could you, say, hold one fund in the 401a and other funds in the 403b? Would you mind showing us a rough approximation of what the portfolio would look l...
by pingo
Sat Aug 23, 2014 1:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with 403b choice
Replies: 16
Views: 1495

Re: Help with 403b choice

I'm with you, Dutch . It's simply criminal. I feel like I've been punched in the gut by just looking at Her 403b. Whatever you do, avoid investing more than you have to in Her 403b. When it's time to increase tax-deferred contributions for retirement, do it through His employer, not Hers, until His ...
by pingo
Sat Aug 23, 2014 1:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with 403b choice
Replies: 16
Views: 1495

Re: Favorite guitarist...

I went with SRV as my fave guitarring virtuoso. I was also delighted to see that there are Steve Howe fans on this forum.
by pingo
Fri Aug 22, 2014 3:21 am
 
Forum: Personal Consumer Issues
Topic: Favorite guitarist...
Replies: 207
Views: 21172

Re: Portfolio Review - Recent Grad and BogleHead

I had to re-arrange your numbers into a format I could understand: Roth 401k (44% or $2794) 44% Fidelity Spartan 500 - Inst (FXSIX) .05 Traditional 401k (56% or $3599) 03% Fidelity Spartan 500 - Inst (FXSIX) 0.05% 05% Fidelity Extended Market - Adv (FSEVX) 0.07% 23% Fidelity Spartan International- I...
by pingo
Thu Aug 21, 2014 6:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Recent Grad and BogleHead
Replies: 27
Views: 2914

Re: Investors Pour Into Vanguard, Eschewing Stock Pickers

Sheepdog wrote:What concerns me with the Vanguard growth is not the money as much but will Vanguard's customer service (facilities and staff training) grow with it.


I don't know nothin', but I assume there are growing pains. I imagine CS is struggling as we speak.
by pingo
Thu Aug 21, 2014 5:05 pm
 
Forum: Investing - Theory, News & General
Topic: Investors Pour Into Vanguard, Eschewing Stock Pickers
Replies: 70
Views: 6983

Re: Investors Pour Into Vanguard, Eschewing Stock Pickers

I'm a huge fan, but I also find it unsettling at times to watch as 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: Investing - Theory, News & General
Topic: Investors Pour Into Vanguard, Eschewing Stock Pickers
Replies: 70
Views: 6983

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: 828

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: 16
Views: 1158

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: 291

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: 1137

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: 3382

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: 2215

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: 663

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: 423

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: 902

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: 893
Views: 351729

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: 56
Views: 2970
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