Search found 2204 matches

by pingo
Mon Jun 29, 2015 11:44 pm
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1124
Views: 533056

Re: The Three Fund Portfolio

First posting after my old Bogleheads registration disappeared, but here's an issue that I've been pondering for awhile: Welcome back. :wink: My mutual fund portfolio has both managed and index funds, some funds I've owned more than 30 years. The old funds, all managed, have very good long term rec...
by pingo
Sun Jun 28, 2015 10:00 am
Forum: Investing - Help with Personal Investments
Topic: 401K advisor Qusestions
Replies: 24
Views: 2406

Re: 401K advisor Qusestions

I'd be curious to know the reasoning behind the Oppenheimer International Diversified fund. It has a 2-Star rating at Morningstar.com. Actually, I should clarify: OIDYX is a 3-Star fund per Morningstar (read: average), but the total expenses of your OIDYX isn't the same as we see at M*, presumably b...
by pingo
Sat Jun 27, 2015 11:23 pm
Forum: Investing - Help with Personal Investments
Topic: 401K advisor Qusestions
Replies: 24
Views: 2406

Re: 401K advisor Qusestions

foreign Black rock int.(mdiix).71 Oppenheimer intl div(oidyx)1.36 DFA int. (dfisx) 1.15 " " " American fds new perspective (rnpgx)1.07 " " " So do I understand correctly that MDIIX, DFISX and RNPGX would be eliminated and OIDYX would remain in their stead as the only f...
by pingo
Wed Jun 24, 2015 7:35 pm
Forum: Investing - Help with Personal Investments
Topic: 401K advisor Qusestions
Replies: 24
Views: 2406

Re: 401K advisor Qusestions

I edited my second-to-last post. Now you call click on each chart, link or image to go directly to the source/chart at Morningstar.com. (I added links, one or two more visual references and I corrected at least one chart.)
by pingo
Wed Jun 24, 2015 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: 401K advisor Qusestions
Replies: 24
Views: 2406

Re: 401K advisor Qusestions

If I can, I'll try to come back later and imbed links to the charts and other sources at Morningstar.com (which I should have as I was posting).
by pingo
Wed Jun 24, 2015 1:36 am
Forum: Investing - Help with Personal Investments
Topic: 401K advisor Qusestions
Replies: 24
Views: 2406

Re: 401K advisor Qusestions

Have Proposed Vanguard value index (vviax) .71 JPMorgan value advantage (jvaix) 1.24 JVAIX is an institutional version with ER 0.74%. The versions with ER 1.24% are JVAAX.lw (load waived) and JVAAX (5.75% load). Be sure you know what you're getting. Each ticker is an iteration or share class of the...
by pingo
Wed Jun 24, 2015 12:10 am
Forum: Investing - Help with Personal Investments
Topic: Holding a LifeStrategy Fund in a Taxable Account
Replies: 18
Views: 1880

Re: Holding a LifeStrategy Fund in a Taxable Account

I don't worry about the tax efficiency so much if the individual is in the 15% federal tax bracket.
by pingo
Tue Jun 23, 2015 1:00 am
Forum: Investing - Help with Personal Investments
Topic: Need Help With Portfolio Review - Please Provide Feedback
Replies: 5
Views: 1122

Re: DINK - Portfolio Review Help

It may be time to look at all accounts as one portfolio. Not that you have to, but you can do better (and keep things simpler) if you treat it all as one portfolio. Two things should happen, in my opinion: 1. Take that 3% taxable cash and immediately maximize Spouse A's Roth IRA contributions for 20...
by pingo
Fri Jun 19, 2015 6:20 pm
Forum: Investing - Help with Personal Investments
Topic: Need Help With Portfolio Review - Please Provide Feedback
Replies: 5
Views: 1122

Re: DINK - Portfolio Review Help

After 1 post, welcome to the forum! :D The VG 2035 fund in spouse B's 401k rests right at the border of what is still reasonable per your ages. I consider one's "age in bonds" to be on the conservative end; "age minus 20" on the aggressive end; everything in-between is within tha...
by pingo
Fri Jun 19, 2015 5:45 pm
Forum: Investing - Theory, News & General
Topic: An out-of-sample look at the four best-performing funds 1972-2012
Replies: 24
Views: 4232

Re: An out-of-sample look at the four best-performing funds 1972-2012

Such is the irony of diversifying among "outperforming" funds.
by pingo
Fri Jun 19, 2015 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: 401k questions
Replies: 4
Views: 512

Re: 401k questions

After writing my longwinded post, I see that ruralavalon has posted the opposite, albeit excellent advice. I'm willing to compromise a little more in terms of costs for the benefit of target fund simplicity. I absolutely agree that if you're going to use the Vanguard funds, you should get out of th...
by pingo
Wed Jun 17, 2015 1:49 pm
Forum: Personal Consumer Issues
Topic: Tips/Advice for Negotiating w/ Auto Dealerships
Replies: 18
Views: 2533

Re: Tips/Advice for Negotiating w/ Auto Dealerships

We are no experts, but I think just a few things have always led us to do well in the car department. This last time, we knew we'd need a car, but we didn't need it right away. For weeks, Mrs. Pingo was obsessively checking craigslist, dealerships, kelly blue book, edmunds. She eventually started re...
by pingo
Wed Jun 17, 2015 1:10 pm
Forum: Investing - Help with Personal Investments
Topic: AA - how to reach a compromise?
Replies: 21
Views: 2107

Re: AA - how to reach a compromise?

If you (singular) are too uncomfortable with you (plural) having his accounts be 100% stocks and yours being 70/30, you (singular) will have to compromise and adjust your (singlular) asset allocation to help your (plural) combined AA be closer to where you (singular) want it. That means more bonds i...
by pingo
Wed Jun 10, 2015 11:07 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Recommendations
Replies: 4
Views: 411

Re: 401K Recommendations

It's ridiculous that the Financial Engine put you in the 2055 fund and the other funds, when the 2055 fund is complete and running on its own internal financial engine. I am 24 years old currently saving 10% of $52K in my 401k, maximizing a 3% company match. My current balance is $6,500. I also have...
by pingo
Wed Jun 10, 2015 6:12 pm
Forum: Investing - Help with Personal Investments
Topic: Proposed Asset Allocation - Input Requested for a 28-yr-old
Replies: 2
Views: 609

Re: Proposed Asset Allocation - Input Requested for a 28-yr-old

Goals: Save for retirement/ achieving "financial freedom." Also a downpayment on a house at some point in the next 4-6 years. Is your proposed asset allocation for all those goals? (Bad idea.) Or, just retirement? (Better.) If the latter, how much cash are you putting aside for the other ...
by pingo
Tue Jun 09, 2015 12:47 am
Forum: Investing - Help with Personal Investments
Topic: 22 Y/O New to Setting Up an Individual 401K
Replies: 12
Views: 1172

Re: 22 Y/O New to Setting Up an Individual 401K

Consider Fidelity for the solo 401k. They don't have the Roth solo 401k option but they do allow for incoming rollovers from IRAs (Vanguard does not) and they allow for cheaper Spartan Advantage Class shares (Vanguard allows only Investor Shares). The IRA rollover option is especially valuable if y...
by pingo
Tue Jun 02, 2015 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation Opinion
Replies: 11
Views: 933

Re: Allocation Opinion

Thanks Pingo, those links are a great resource. My state employees pension here in NC gives me an average of my best four years for life upon retirement with no cost health insurance. So I guess since I have more of a guaranteed income for life after retirement than most people do in this day and a...
by pingo
Tue Jun 02, 2015 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation Opinion
Replies: 11
Views: 933

Re: Allocation Opinion

It is good to choose one's asset allocation based on risk, not returns. The past is able to effectively give us a picture of future risk because we can see how a portfolio (or a fund) actually behaved when the fit hit the shan. It's good for a gut check. Unfortunately, such gut checks do not help us...
by pingo
Sat May 30, 2015 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: Poor choices in my 403(b) plan
Replies: 21
Views: 1886

Re: Poor choices in my 403(b) plan

^ Sure, but there's no way I'm in the same league as you, Jan. (BTW you're still one of my all-time faves.)

:thumbsup
by pingo
Sat May 30, 2015 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: Poor choices in my 403(b) plan
Replies: 21
Views: 1886

Re: Poor choices in my 403(b) plan

Not to beat a dead horse, but for the benefit of other lurkers and newbs I thought I'd use this thread as an opportunity point out that when I (we?) hear "extremely high expense ratios", it conjures up thoughts of expense ratios as high as 3% …. It used to conjure up that thought for me…....
by pingo
Sat May 30, 2015 11:27 am
Forum: Investing - Help with Personal Investments
Topic: Poor choices in my 403(b) plan
Replies: 21
Views: 1886

Re: Poor choices in my 403(b) plan

Not to beat a dead horse, but for the benefit of other lurkers and newbs I thought I'd take another opportunity to clarify that when I (we?) hear "extremely high expense ratios", it conjures up thoughts of expense ratios as high as 3% and/or purchase fees (loads/sales charges) as high as 5...
by pingo
Thu May 28, 2015 11:44 pm
Forum: Investing - Help with Personal Investments
Topic: Poor choices in my 403(b) plan
Replies: 21
Views: 1886

Re: Poor choices in my 403(b) plan

^ Agreed. Sad2 , Congratulations! You have a very good 403b with which you can build a great 3 fund- ish portfolio. You already know about the 2 great Fidelity Spartan options. Your Pimco Real Return and American EuroPacific Growth options are excellent and you have access to them at the lowest expe...
by pingo
Wed May 27, 2015 9:07 pm
Forum: Investing - Help with Personal Investments
Topic: Poor choices in my 403(b) plan
Replies: 21
Views: 1886

Re: Poor choices in my 403(b) plan

Most of the choices in my employer's 403(b) plan have extremely high expense ratios. Please specify those other fund choices, tickers and expense ratios. I'm not trying to be insulting, but sometimes newbies overlook perfectly good options because of "high" ERs and then we find out that s...
by pingo
Mon May 25, 2015 9:36 am
Forum: Personal Finance (Not Investing)
Topic: 2 million dollar mistake meeting with MIL's financial guy
Replies: 37
Views: 10562

Re: 2 million dollar mistake meeting with MIL's financial guy

You can have fancy software and small errors fed into it will make huge changes compounded over time. It is really important IMHO if you use an advisor that you use one that is fee based that gets no benefit from selling any product. Minor correction: "fee-based" can still be expensive an...
by pingo
Sun May 24, 2015 10:27 pm
Forum: Investing - Help with Personal Investments
Topic: Want to build a "Core Four" Schwab ETF portfolio
Replies: 16
Views: 3926

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

Any suggestions for improvement would be highly appreciated. Making it a little more aggressive would be my preference (55/45 or 50/50) since this account would have more time to grow. I'm 59, still working and accumulating. It looks like your U.S./International split is roughly 75/25 and you're do...
by pingo
Sat May 23, 2015 10:03 am
Forum: Investing - Help with Personal Investments
Topic: The Three Fund Portfolio [Portfolio help]
Replies: 5
Views: 702

Re: The Three Fund Portfolio [Portfolio help]

One step is to first look at all accounts as one portfolio. Thus, each account represents a certain percent of the portfolio. Adding all accounts equals 100%. Since employer plans usually are the weak link, you look at its lowest cost options and fill in the rest of the portfolio in other places. So...
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: 16
Views: 3926

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: 1205

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: 1205

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: 1205

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: 1618

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: 467

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: 4633

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: 2677

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: 4633

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: 2753

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: 4107

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: 4107

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: 4107

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: 4107

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: 888

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: 850

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: 4616

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: 1124
Views: 533056

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: 10
Views: 2012

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: 235
Views: 26463

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: 235
Views: 26463

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: 2331

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: 10
Views: 1015

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...

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