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Re: Employer 401(k) vs. Vanguard IRA investments

The following could have a significant impact on fund location and a small impact on diversification, without infringing on simplicity. 1. You are able to max out your 401k, but how much would the employer match be on top of you personal deductible contribution of $17,500/yr? 2. Does your 401k have ...
by pingo
Sun Oct 19, 2014 5:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Employer 401(k) vs. Vanguard IRA investments
Replies: 16
Views: 1051

Re: Portfolio Review - Recent Grad and BogleHead

After I posted the above, I had some time to review and think about a few other things for future reference. The following assumes that beginning January 1, 2015 you'll be debt-free and that your $2,600/month extra savings will be dedicated to maximize a Roth IRA for tax-years 2014 and 2015 and to b...
by pingo
Fri Oct 17, 2014 1:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Recent Grad and BogleHead
Replies: 31
Views: 3416

Re: Portfolio Review - Recent Grad and BogleHead

The idea is to maintain a 4:1 ratio of S&P 500 and Extended Market per the Wiki's guidance for approximating the total U.S. stock market . Your desired AA is 25% bonds and 75% stock (with 30% of stocks in international). That comes to: 52% U.S. stock / 23% International / 25% Bonds Since we need...
by pingo
Thu Oct 16, 2014 7:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Recent Grad and BogleHead
Replies: 31
Views: 3416

Re: Asset allocation help requested

How much do you expect to invest in a taxable account each year? Does His and/or Her 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/6 months/year to ...
by pingo
Wed Oct 15, 2014 10:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Asset allocation help requested
Replies: 7
Views: 1035

Re: 401k plan choices

If you post per the suggested Asking Portfolio Questions link, we can help you use the Roth IRA to fill the gaps left after using only the 401k's best options, as listed by telemark . Even if you don't use the Roth IRA to fill the gaps, the gaps aren't critical and using just the 3 funds in the 401k...
by pingo
Thu Oct 09, 2014 3:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k plan choices
Replies: 11
Views: 562

Re: Active Manager Marketing Quote of the Day

^ My problem is that I don't know how to read that chart. :|
by pingo
Thu Oct 02, 2014 10:51 pm
 
Forum: Investing - Theory, News & General
Topic: Active Manager Marketing Quote of the Day
Replies: 32
Views: 4218

Re: Active Manager Marketing Quote of the Day

I merely pointed out that this fund has beat the SP500 for 1,3,5,10 year periods Making my point for me. Just like corporate bonds or emerging markets, the S&P 500 is an inappropriate benchmark. A completion index (or proxy such as VEXMX) is a more appropriate benchmark because it tracks/repres...
by pingo
Thu Oct 02, 2014 7:21 pm
 
Forum: Investing - Theory, News & General
Topic: Active Manager Marketing Quote of the Day
Replies: 32
Views: 4218

Re: Active Manager Marketing Quote of the Day

I found this thread will looking up something else. Looked up HDPMX performance on Morningstar: http://quotes.morningstar.com/fund/hdpmx/f?t=HDPMX+ They have beaten S&P 500 index handily for 1,3,5,10 year periods. So I guess they have been successful in finding some little pockets? (Donning fla...
by pingo
Tue Sep 30, 2014 2:38 pm
 
Forum: Investing - Theory, News & General
Topic: Active Manager Marketing Quote of the Day
Replies: 32
Views: 4218

Re: Fidelity Freedom Index Funds - Available to retail inves

Great news! Now, those lousy Fidelity Freedom Fund portfolios with their high expense ratios and underlying dog's breakfast of low-rate asset class funds can stop dragging down the relative performance of unsuspecting retail investors who made the tragic mistake of selecting an actively-managed Free...
by pingo
Tue Sep 30, 2014 5:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Freedom Index Funds - Available to retail investors
Replies: 6
Views: 1123

Re: New - looking for portfolio advice

Big news! It appears that Fidelity may have made it's Freedom Index Funds available to retail investors. (See discussion here .) Accordingly, here's how the suggestion changes: Annual Contributions $17,500 401k Traditional Deductible Personal Contributions $ 4,800 401k Traditional Employer Match $ 5...
by pingo
Tue Sep 30, 2014 5:19 am
 
Forum: Investing - Help with Personal Investments
Topic: New - looking for portfolio advice
Replies: 18
Views: 1887

Re: Help with retirement asset allocation

+1

I'll add for OP's benefit that if OP ends up keeping the IRAs at Fidelity, it's still okay to put all IRA money in the Fidelity Spartan Global Ex-U.S. Index Fund (FSGUX), as mentioned previously.

:beer
by pingo
Mon Sep 29, 2014 5:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with retirement asset allocation
Replies: 8
Views: 1113

Re: Help with retirement asset allocation

Welcome to the forum! :happy Thanks! It's all good advice actually. That line *actually* has me cracking up. Were you surprised to get such good advice? I think you meant that deikel has given you good advice, of course. :D As to the TIRA versus RIRA debate: if you were in the 15% federal bracket, I...
by pingo
Sun Sep 28, 2014 9:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with retirement asset allocation
Replies: 8
Views: 1113

Re: New - looking for portfolio advice

Here's what I came up with. It's full of compromises, but let's see if it makes sense: Annual Contributions $17,500 401k Traditional Deductible Personal Contributions $ 4,800 401k Traditional Employer Match $ 5,833 401k After-tax Contributions <--To be rolled over to Roth IRA every 6 months. $ 5,500...
by pingo
Sat Sep 27, 2014 8:42 am
 
Forum: Investing - Help with Personal Investments
Topic: New - looking for portfolio advice
Replies: 18
Views: 1887

Re: New - looking for portfolio advice

Sorry, I've been overwhelmed lately and haven't been able to come back as I would have liked. Something else dawned on me: your employer must be placing its match into a Traditional 401k account, but you don't specify that account in your post. I've done a little reverse engineering to figure out wh...
by pingo
Sat Sep 27, 2014 6:56 am
 
Forum: Investing - Help with Personal Investments
Topic: New - looking for portfolio advice
Replies: 18
Views: 1887

Re: Bill Gross moving from PIMCO to Janus, Monday

One thing I've wondered for a long time: with Pimco Total Return being so HUGE, does it lose its edge and reduce it's chances/ability to outperform from it's bloat? If so, Bill Gross has been at risk of having Pimco TR lose its luster and that he be perceived as the fallen bond king. Moving to Janus...
by pingo
Fri Sep 26, 2014 5:36 pm
 
Forum: Investing - Theory, News & General
Topic: Bill Gross moving from PIMCO to Janus, Monday
Replies: 113
Views: 9998

Re: Portfolio Checkup

Thebob6 , I apologize for not getting back you in a timely fashion, but my life has not allowed it due to some very positive, personal developments. As always, ruralavalon has offered wonderful advice. (I love this forum.) Now, if by referring to an i-Bond ladder you're saying you'd like to build a...
by pingo
Thu Sep 25, 2014 6:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Checkup
Replies: 10
Views: 1519

Re: Cast Iron Skillet Cooking

miles monroe wrote:i wasn't looking for them, but i saw this at costco yesterday.

http://www.costco.com/Lodge-2-Pack-Cast ... 16102.html


Hmmm...Costco link says its Lodge cast iron skillets are made in China.
by pingo
Thu Sep 25, 2014 2:15 am
 
Forum: Personal Consumer Issues
Topic: Cast Iron Skillet Cooking
Replies: 107
Views: 9231

Re: Leeraar's Three-Holding Portfolio

I've also have access to SSgA U.S. Inflation Protected Bond Index Fund - Class A so I moved some money there from my Stable Value Fund that has really lousy returns. That's great. Keep in mind that your LifePath Index Fund already allocates to TIPS at a small cost, and the VG 500 fund and Extended ...
by pingo
Tue Sep 23, 2014 12:29 am
 
Forum: Investing - Theory, News & General
Topic: Leeraar's Three-Holding Portfolio
Replies: 27
Views: 2238

Re: Leeraar's Three-Holding Portfolio

For those interested: from what I've seen BlackRock appears to have: - BTC/Blackrock LifePath Index Funds which is a portfolio of index funds, as the name indicates. The index funds (and ETFs) can vary depending on which iteration of the LifePath Index series is used by employer plans, but I only wo...
by pingo
Mon Sep 22, 2014 5:37 pm
 
Forum: Investing - Theory, News & General
Topic: Leeraar's Three-Holding Portfolio
Replies: 27
Views: 2238

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: 1819

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: 5128

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: 2226

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: 18
Views: 1887

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: 898

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: 10
Views: 1519

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: 10
Views: 1519

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: 10
Views: 1519

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: 1165

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: 1165

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: 1165

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: 1292

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: 1292

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: 12
Views: 957

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: 722

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: 12
Views: 957

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: 1060

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: 18
Views: 1887

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: 18
Views: 1887

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: 71
Views: 11829

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: 1599

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: 1599

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: 701

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: 21260

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: 81
Views: 5115

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: 1390

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: 1599

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: 701

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: 976

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: 2489
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