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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: 48
Views: 5869

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: 1403

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: 1403

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: 668

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: 21098

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: 62
Views: 3171

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: 1280

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: 1403

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: 668

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: 912

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: 2217

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: 1280

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: 1403

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: 1403

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: 1403

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: 21098

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: 2832

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: 6424

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: 6424

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: 781

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: 951

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: 286

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: 1127

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: 3272

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: 2180

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: 657

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: 422

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: 870

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: 866
Views: 339871

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: 2612

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: 2612

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: 2612

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: 1266

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: 866
Views: 339871

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: 604

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: 604

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: 604

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: 870

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: 866
Views: 339871

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: 604

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: 966

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: 508

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: 372

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: 583

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: 1382

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: 1382

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: 1812

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: 1382

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: 2483

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: 1180
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