Search found 2177 matches

Go to advanced search

by pingo
Wed May 20, 2015 12:50 pm
Forum: Investing - Help with Personal Investments
Topic: Want to build a "Core Four" Schwab ETF portfolio
Replies: 14
Views: 3045

Re: Want to build a "Core Four" Schwab ETF portfolio

^ To clarify, your stock funds/ETFs do contain REITs at a neutral "market" weight. I'm no expert, but my opinion is that REITs do not have higher expected returns than the broader market itself. Some people overweight them because they may move out of sync with the market such that they ma...
by pingo
Sun May 17, 2015 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: Help With AA, Particularly International AA
Replies: 16
Views: 929

Re: Help With AA, Particularly International AA

Great work. (And fast, too!) Now we need you to go back to and add contribution information. That's the dollar amount that will be contributed to each account, including employer matches. (This is one area where "I contribute x% and employer contributes x%" doesn't help one bit.) An exampl...
by pingo
Sun May 17, 2015 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Help With AA, Particularly International AA
Replies: 16
Views: 929

Re: Help With AA, Particularly International AA

^ I can understand that. One big difference will be that here we'll be considering all parties and accounts together, whereas before you had created one thread for you and one for her. Since you already did a lot of the work in those threads, just copy anything that's still applicable into this one....
by pingo
Sun May 17, 2015 12:34 am
Forum: Investing - Help with Personal Investments
Topic: Help With AA, Particularly International AA
Replies: 16
Views: 929

Re: Help With AA, Particularly International AA

You have many questions that can be easily answered with little verbage, but not without more information per the forum's recommended format for asking portfolio questions . Not only that, but your intial post is riddled with...well, riddles that have me scratching my head. For example... I am leavi...
by pingo
Wed May 13, 2015 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Finally broke up with advisor (who plugged Vanguard)!
Replies: 5
Views: 1465

Re: Finally broke up with advisor (who plugged Vanguard)!

Good for your advisor...even better for you!
by pingo
Mon May 11, 2015 11:36 pm
Forum: Investing - Help with Personal Investments
Topic: Opinions on Fidelity Freedom Index 2020 fund?
Replies: 5
Views: 392

Re: Opinions on Fidelity Freedom Index 2020 fund?

Fido Freedom Index 2020 (FPIFX) is a good portfolio that'll get the job done. I notice there are discrepancies between what Fidelity.com and Morningstar.com say is the asset allocation path that 2020 will take over time. (Fidelity shows a slightly riskier AA and glide path.) Personally, I believe it...
by pingo
Wed May 06, 2015 9:46 pm
Forum: Investing - Help with Personal Investments
Topic: Diversifying beyond Vanguard Target Date Fund
Replies: 45
Views: 4370

Re: Diversifying beyond Vanguard Target Date Fund

Here's a link to a Vanguard white paper called "Vanguard's Approach to Target Funds" wherein it discusses the inclusion of commodities/lack thereof. The whole paper is a good read. (Keep in mind that the paper was published prior to the inclusion of international bonds and the change ...
by pingo
Wed May 06, 2015 6:52 pm
Forum: Investing - Help with Personal Investments
Topic: Can you improve this constructed portfolio?
Replies: 35
Views: 2448

Re: Can you improve this constructed portfolio?

My version of the Coffeehouse Portfolio at Vanguard: 20% S&P 500 Index 20% Extended Market Index 10% REIT Index 10% Total International Index 40% Total US Bond Index I think it's a nice portfolio. I do not use it, but I do like the Extended Market Index Fund a lot, too. The international equiti...
by pingo
Wed May 06, 2015 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: Diversifying beyond Vanguard Target Date Fund
Replies: 45
Views: 4370

Re: Diversifying beyond Vanguard Target Date Fund

I'm late to the party, but I'll chime in anyway. One thing that has always been on my mind is that I'm only in one fund. Wrong. You hold a portfolio of funds...and a great portfolio at that. Target Retirement "Fund" is a bit of a misnomer and often makes people think that they should add t...
by pingo
Tue May 05, 2015 12:27 pm
Forum: Investing - Help with Personal Investments
Topic: Baby Step 8
Replies: 20
Views: 2627

Re: Baby Step 8

Thanks for the updates. Please edit your starting post to include all 401k fund options with tickers so we can see them together in one spot. You can delete any returns information, just leave the ER. Past performance does not guarantee of future results. The SEC isn't kidding when it states that an...
by pingo
Thu Apr 30, 2015 8:52 am
Forum: Investing - Help with Personal Investments
Topic: Thinking of going with VSMGX
Replies: 25
Views: 3813

Re: Thinking of going with VSMGX

If "this strategy" refers to dcarste's suggestion here , there is nothing inherently wrong with it because it is not meaningfully different than using LifeStrategy Moderate Growth by itself, except that dcarste's suggestions gives you a lower stock allocation. If "this strategy" ...
by pingo
Wed Apr 29, 2015 7:13 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking of going with VSMGX
Replies: 25
Views: 3813

Re: Thinking of going with VSMGX

I apologize if I came off as smug. I had intended to provide some counterpoint and clarification in the context of dcarste's idea. Of course as stocks go down, GOV't bonds go up...but never in proportion. That is never the case...usually for instance, stocks could take a 25% nosedive in one year, bu...
by pingo
Tue Apr 28, 2015 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking of going with VSMGX
Replies: 25
Views: 3813

Re: Thinking of going with VSMGX

Just to pick some nits… Take 7% of your portfolio and put it in the Vanguard Short Term Bond Fund (VBIRX). This is a mix of Gov't Treasuries and Corporate Bonds with a 2.7% duration. […] First FYI: Morningstar XRAY shows the 93/7 approach to be about 55% stocks/45% bonds which looks like similar to ...
by pingo
Tue Apr 28, 2015 1:29 am
Forum: Investing - Help with Personal Investments
Topic: Thinking of going with VSMGX
Replies: 25
Views: 3813

Re: Thinking of going with VSMGX

Maxman,

You invested in VSMGX and now some suggest looking at the VG Balanced Fund. We simply cannot help ourselves.

Had you invested in the VG Balanced Fund many of us would be jumping out of the woodwork to suggest VSMGX.

VSMGX is just right.

:beer
by pingo
Tue Apr 21, 2015 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie looking for allocation thoughts/suggestions
Replies: 6
Views: 783

Re: Newbie looking for allocation thoughts/suggestions

Contributions - 401K maxed out w/ employer matching the first 4.5 percent of eligible pay - Was contributing max into Roth IRA until last year - was not aware of backdoor contribution until it was too late Please translate the above statements into dollar amounts. Ex: $xx,xxx 401k personal contribu...
by pingo
Wed Apr 15, 2015 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity offering </=10% IRA matching to switch
Replies: 3
Views: 791

Fidelity offering </=10% IRA matching to switch

I just saw the following at Fidelity.com and thought I'd pass it along:

https://rewards.fidelity.com/offers/iramatch wrote:Switch to a Fidelity IRA, and we'll match your annual contributions up to 10% for the next three years.


Link: https://rewards.fidelity.com/offers/iramatch


*FWIW I do not invest through Fidelity, but my sister does.
by pingo
Tue Apr 07, 2015 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Recent Grad and BogleHead
Replies: 35
Views: 4396

Re: Portfolio Review - Recent Grad and BogleHead

Nice to hear from you! It took me a couple days to respond because I needed to spend some time reviewing this thread first. (My posts are a wee long-winded.) Above, things look pretty nice. A few minor corrections may be in order. You may recall that the Roth IRA contributions for 2014 and 2015 were...
by pingo
Sat Apr 04, 2015 1:13 pm
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1095
Views: 506253

Re: The Three Fund Portfolio

^ Wonderful!
by pingo
Thu Apr 02, 2015 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: Help Mr. Meow with Investments (2015 Edition)
Replies: 7
Views: 1405

Re: Help Mr. Meow with Investments (2015 Edition)

Hey, Mr. Meow! Congrats on the baby. We also have a new babe at home, so I share your joy. So, if I understand you, your wife has already found the new job...but she doesn't have information about the new employer 401k plan? (Funds, tickers, ERs...) It will definitely be important to know this befor...
by pingo
Wed Apr 01, 2015 7:34 pm
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 233
Views: 22663

Re: International increase in Target Retirement & LifeStrate

I see the logic as well and I appreciate your challenges, but I'm still in the same camp as tj and pennstater2005 . Pingo - if one makes conscious decisions for their AA and writes in in their IPS around - stock/bond, domestic/int'l, value weighting, small cap weighting. reit's etc. - then they need...
by pingo
Wed Apr 01, 2015 1:31 am
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 233
Views: 22663

Re: International increase in Target Retirement & LifeStrate

I can understand the frustration of it being something out of our control, but what does it mean to stay the course, anyway? John Bogle, William Berstein, Rick Ferri, Larry Swedroe et al all encourage us to stay the course, yet they are also forward-looking individuals. Each calculates the "ex...
by pingo
Thu Mar 26, 2015 1:09 pm
Forum: Local Chapters and Bogleheads Community
Topic: R.I.P. George-J
Replies: 4
Views: 2126

Re: R.I.P. George-J

Thank you for letting us know. I never met George, but I feel loss nonetheless. My condolences to his loved ones.
by pingo
Wed Mar 25, 2015 5:38 pm
Forum: Investing - Theory, News & General
Topic: Int'l Hedged Bond Funds
Replies: 9
Views: 777

Re: Int'l Hedged Bond Funds

I do agree that for a pro spective invesor, the SEC yield is most useful, but for OP's benefit, bonds can appreciate from dividend yield and from capital gains, which I presume is why PFODX has outperformed. And Pimco might continue to have magic in it's fund. No one knows the future. And the future...
by pingo
Tue Mar 24, 2015 8:36 pm
Forum: Investing - Help with Personal Investments
Topic: Solo 401k Question
Replies: 4
Views: 315

Re: Solo 401k Question

Agreed. Great explanation.
by pingo
Sat Mar 21, 2015 9:33 pm
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 233
Views: 22663

Re: International increase in Target Retirement & LifeStrate

An investor can't "stay the course" with their AA choice - if that AA gets shifted by someone else. I can understand the frustration of it being something out of our control, but what does it mean to stay the course, anyway? John Bogle, William Berstein, Rick Ferri, Larry Swedroe et al al...
by pingo
Fri Mar 20, 2015 4:06 pm
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 233
Views: 22663

Re: International increase in Target Retirement & LifeStrate

The change in risk profile by shifting 10 percentage points from the U.S. to the International-side of the portfolio pales in comparison to a similar-size shift from the bond side of a portfolio to the stock-side.
by pingo
Wed Mar 11, 2015 1:43 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio change sanity check
Replies: 5
Views: 719

Re: Portfolio change sanity check

What great options you have. I wouldn't change a thing if I didn't have to. Blackrock's LifePath Index funds and Vanguards Target Retirement funds are great, as well as Wellington for the HSA. ( Here's a link comparison/breakdown of LifePath versus VG TR funds.) If all your money could be invested i...
by pingo
Tue Mar 10, 2015 1:11 am
Forum: Personal Consumer Issues
Topic: Washing Dress Shirts
Replies: 38
Views: 2893

Re: Washing Dress Shirts

Whites get a small amount of mild detergent, washing soda, borax, and OxiClean. Colors get the same except for no OxiClean. On a side note, OxiClean is 100% washing soda. That is, it's 50% regular washing soda (sodium carbonate) plus 50% washing soda that has been allowed to absorb hydrogen peroxid...
by pingo
Tue Mar 10, 2015 12:57 am
Forum: Investing - Help with Personal Investments
Topic: S&P 500 Index Fund vs target date for 401k
Replies: 11
Views: 1345

Re: S&P 500 Index Fund vs target date for 401k

^ Same here. The target date fund will already hold the S&P 500 inside of it. In fact the S&P 500 is probably the largest part of it, however the target fund diversifies beyond the S&P 500, beyond the U.S. stock market and beyond stocks--meaning bonds, too. The target fund is the clear w...
by pingo
Mon Mar 09, 2015 6:48 am
Forum: Investing - Help with Personal Investments
Topic: Want to invest with Vanguard but not comfortable with....
Replies: 79
Views: 5271

Re: Want to invest with Vanguard but not comfortable with...

The Schwab ETF that corresponds to Vanguard Total Market (VTI) is based on a different index and around 2000 holdings as opposed to Vanguards 3808 so less diversified: http://www.schwab.com/public/schwab/investing/investment_help/investment_research/etf_research/etfs.html?&&path=%2FProspect...
by pingo
Mon Mar 09, 2015 1:48 am
Forum: Investing - Help with Personal Investments
Topic: Want to invest with Vanguard but not comfortable with....
Replies: 79
Views: 5271

Re: Want to invest with Vanguard but not comfortable with...

I'm a big fan of Vanguard, flaws and all, and I also have an account at Schwab, but I told my sister to go to Fidelity. Her 401k is Fido and there's a Fido branch near her home. I like that she can have a 3-fund portfolio as cheap and effective as Vanguard. When she couldn't figure out how to do som...
by pingo
Sun Mar 08, 2015 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Freedom Index Funds - Available to retail investors
Replies: 10
Views: 2325

Re: Fidelity Freedom Index Funds - Available to retail inves

For most people, the ease of using a ER 0.16% target fund outweighs the cost savings of rolling your own with the advantage class funds, all else being equal. The costs of investing either way are so low, I doubt that a lower cost DIY portfolio increases the odds of better performance since the savi...
by pingo
Wed Mar 04, 2015 2:10 pm
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 233
Views: 22663

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 1:56 pm
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1095
Views: 506253

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
Tue Mar 03, 2015 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Analysis
Replies: 4
Views: 551

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
Mon Mar 02, 2015 1:26 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Analysis
Replies: 4
Views: 551

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 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Analysis
Replies: 4
Views: 551

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
Sat Feb 28, 2015 12:42 pm
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 233
Views: 22663

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 2:54 am
Forum: Investing - Help with Personal Investments
Topic: Is this a good AA plan?
Replies: 7
Views: 993

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
Fri Feb 27, 2015 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Is the first 100k really the hardest?
Replies: 58
Views: 9576

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
Thu Feb 26, 2015 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Is the first 100k really the hardest?
Replies: 58
Views: 9576

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 2:07 pm
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 233
Views: 22663

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 1:55 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Tot Intl and Emerging Markets just got cheaper
Replies: 56
Views: 6591

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 1:51 pm
Forum: Local Chapters and Bogleheads Community
Topic: "The world's largest non-commercial financial forum".
Replies: 34
Views: 3458

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

...blenders, button-ups, tablet PCs...
by pingo
Thu Feb 19, 2015 6:00 pm
Forum: Investing - Theory, News & General
Topic: John Bogle on International Investing
Replies: 184
Views: 16567

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
Tue Feb 17, 2015 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: Target date funds-- Retirement Tax RMD Planning
Replies: 11
Views: 1426

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 6:04 pm
Forum: Investing - Theory, News & General
Topic: John Bogle on International Investing
Replies: 184
Views: 16567

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
Wed Feb 11, 2015 3:18 pm
Forum: Investing - Theory, News & General
Topic: John Bogle on International Investing
Replies: 184
Views: 16567

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
Tue Feb 10, 2015 5:55 pm
Forum: Investing - Theory, News & General
Topic: John Bogle on International Investing
Replies: 184
Views: 16567

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
Mon Feb 09, 2015 2:47 pm
Forum: Personal Consumer Issues
Topic: Paperless Office?
Replies: 55
Views: 3354

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...

Go to advanced search