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Re: High Expense Funds vs Vanguard: No Difference?

I started responding a night or two ago and couldn't finish my post. Now that I've come back I see that doing so may simply rehash what has already been, well, hashed. I have also added responses to later posts…for whatever that's worth at this point. My goal is to maximize the number of tacos that ...
by pingo
Sat Jan 31, 2015 6:50 am
 
Forum: Investing - Theory, News & General
Topic: High Expense Funds vs Vanguard: No Difference?
Replies: 37
Views: 2417

Re: High Expense Funds vs Vanguard: No Difference?

We cannot invest in the past, only the future. I, too, may be missing the OP's point, but high ERs increase the chance/probability of underperforming the benchmark. Low ER actively managed funds have much greater chances of beating their benchmarks, assuming they're not closet index funds. Before a ...
by pingo
Thu Jan 29, 2015 7:52 am
 
Forum: Investing - Theory, News & General
Topic: High Expense Funds vs Vanguard: No Difference?
Replies: 37
Views: 2417

Re: Critique of Fidelity Index Portfolio

I haven't read this thread carefully, so take this for what it's worth, since it's just a copy-paste from elsewhere. Does the 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 ...
by pingo
Thu Jan 29, 2015 7:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Critique of Fidelity Index Portfolio
Replies: 28
Views: 1388

Re: Investing advice for beginner

+1 She's a freakin' rock star as far as I'm concerned. Just 'cause we love tinkering, it'd be nice to know what her portfolio/account setup is to ensure she has a coherent investment plan, even if that just means having everything in a target date fund. She appears to be in a situation where she can...
by pingo
Thu Jan 29, 2015 7:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing advice for beginner
Replies: 6
Views: 516

Re: Age limit on IRA deduction

Account contributions can be withdrawn at any time, regardless of the life of the account.

Account earnings can be withdrawn penalty-fee and tax-free five years after account has been opened and after age 59.5.
by pingo
Wed Jan 28, 2015 6:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Age limit on IRA deduction
Replies: 24
Views: 1305

Re: Is "stay the course" a commandment or a suggestion?

Oh! Check this out. Robert T quotes Common Sense on Mutual Funds regarding "staying the course" and "mid-course correction": http://www.bogleheads.org/forum/viewtop ... d#p1869331
by pingo
Tue Jan 06, 2015 9:34 pm
 
Forum: Investing - Theory, News & General
Topic: Is "stay the course" a commandment or a suggestion?
Replies: 60
Views: 4086

Re: Is "stay the course" a commandment or a suggestion?

Suggestion. Kind of like a financial equivalent to having "DON'T PANIC" in large, friendly letters. Preferably on the cover of a common sense investing book that has outsold The Bogleheads' Guide to Investing because it is slightly cheaper. Nice! I'd love to see that little green guy in t...
by pingo
Tue Jan 06, 2015 9:24 pm
 
Forum: Investing - Theory, News & General
Topic: Is "stay the course" a commandment or a suggestion?
Replies: 60
Views: 4086

Re: What to do with my Vanguard Roth IRA?

This was actually a chief concern since I know there's a lot of overlap in my investments and I knew I was thinking of each account as a portfolio and trying to stop that and find ways to maximize tax efficiency I guess? I've done some reading on the links posted already actually but do need some m...
by pingo
Tue Jan 06, 2015 9:07 am
 
Forum: Investing - Help with Personal Investments
Topic: What to do with my Vanguard Roth IRA?
Replies: 12
Views: 1079

Re: Is "stay the course" a commandment or a suggestion?

I would say that it means: Create an asset allocation that includes bonds to reduce the volatility caused by the stock part of your portfolio, then rebalance when needed. This balanced approach will help you to stay the course. Once you set up a Boglehead portfolio, the only real course correction ...
by pingo
Tue Jan 06, 2015 8:39 am
 
Forum: Investing - Theory, News & General
Topic: Is "stay the course" a commandment or a suggestion?
Replies: 60
Views: 4086

Re: What to do with my Vanguard Roth IRA?

Welcome to the forum! :D I am very confused about what you actually have. Could you look at Investment Planning and Asking Portfolio Questions and post the requested information in the standard format? You will then receive many helpful comments. +1 You must stop looking at each account as a separat...
by pingo
Mon Jan 05, 2015 11:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with my Vanguard Roth IRA?
Replies: 12
Views: 1079

Re: Annual Porfolio Review

Indeed, it'd be nice if we had a more clear list of the total funds. I agree. $20,000 taxable investments (liquidated) - $6,000 debt payoff $14,000 subtotal of remaining cash + $20,000 current house savings $36,000 house savings You're reallocating $14k from taxable to the house. Since the taxable ...
by pingo
Mon Jan 05, 2015 7:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Annual Porfolio Review
Replies: 13
Views: 2043

Re: Annual Porfolio Review

Something doesn't make sense here, although it wouldn't be the first time I've misunderstood things. I thought that halohalo was managing $5,500/yr Roth contributions + $2,000/yr before looking at where to put the $2k (house savings, debt, taxable or 401k), but that looks to have been a mistake. mnv...
by pingo
Mon Jan 05, 2015 11:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Annual Porfolio Review
Replies: 13
Views: 2043

Re: Annual Porfolio Review

The funds you selected for your taxable investment account are wonderful, except for the fact that they are bad for a taxable investment account (not tax-efficient). Whatever you do, turn off dividend re-investment for those funds! Consider liquidating them to use for debt payment and house downpaym...
by pingo
Sun Jan 04, 2015 2:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Annual Porfolio Review
Replies: 13
Views: 2043

Re: Rick Ferri looking to internationalize his portfolio

That's not market timing, but neither is it "staying the course." That's "making a course correction." Well said. To me, staying the course is neither predicting nor reacting to short-term market activity. It does not toy nor make "plays". It ignores the noise and is n...
by pingo
Thu Jan 01, 2015 6:44 pm
 
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 230
Views: 26364

Re: Rick Ferri looking to internationalize his portfolio

Sometime in 2015, I may shift my portfolio to a more global stock and bond allocation. Nailed it. Now I have to wait to see if I was right about the other part: I imagine it would look like this: 40% Total Bond, 20% Total International Bond, 20% High Yield and 20% TIPS. Of course, then you start wo...
by pingo
Thu Jan 01, 2015 6:25 pm
 
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 230
Views: 26364

Re: Rick Ferri's 60/40 portfolio mix

I'm a big Rick Ferri fan. But business is business. Rick hopes that his slice and dice 60/40 portfolio will beat the Boglehead 3 fund 60/40 port by more than enough to offset his fee. Here's the problem. Over the last 80+ years, a frictionless (cost free) 60/40 port has delivered a 5.0% real CAGR. ...
by pingo
Wed Dec 31, 2014 7:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rick Ferri's 60/40 portfolio mix
Replies: 26
Views: 5574

Re: Rick Ferri's 60/40 portfolio mix

Minor edits below: To stay in business Rick needs to justify his fees by complicating the above super simple and extremely cheap super port. I'm trying to find a thread from not too long ago where someone had a similar question and Rick Ferri chimed in. I thought it was a perfect example of the kin...
by pingo
Wed Dec 31, 2014 2:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rick Ferri's 60/40 portfolio mix
Replies: 26
Views: 5574

Re: Schwab International ETF Help

^ There is a lot of redundancy and overlap, but I don't see the right kind of details to help us help you. For starters, you've told us what you were doing ( Paul Merriman UB&H strategy ), but you haven't told us what you are trying to accomplish now . Paul Merriman's portfolio is complex, but y...
by pingo
Sun Dec 28, 2014 2:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Schwab International ETF Help
Replies: 15
Views: 1874

Re: Looking for comments on my portfolio

Edited to change suggested fund in Her Roth IRA. I'm not great with the taxes, but if it's just His income during 2015, you'll probably end up in the 15% federal bracket: $110,000 Gross Income for 2015 - 18,000 His personal 401k contributions - 1,500 medical/dental premiums <--I pulled this out of ...
by pingo
Sun Dec 21, 2014 9:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Looking for comments on my portfolio
Replies: 6
Views: 673

Re: Bogle Advises Investing No More Than 20% Outside U.S.

It's pretty clear what Jack thinks and as the Russian currency implodes you get some sense of what "currency risk" can amount to for U.S. investors. Jack's advice is looking pretty good. I don't disagree, but also as the Russian currency implodes you get some sense of how John Bogle's sug...
by pingo
Wed Dec 17, 2014 4:38 am
 
Forum: Investing - Theory, News & General
Topic: Bogle Advises Investing No More Than 20% Outside U.S.
Replies: 106
Views: 13181

Re: My first non fee advisor meeting..confused

My understanding (not from personal experience) was that December 31 is the deadline for opening an Individual 401k, and that one's personal contributions (up to the 2015 $18k limit) must also be made by that deadline, but that the business "profit sharing" contributions may be made until ...
by pingo
Tue Dec 16, 2014 9:33 am
 
Forum: Investing - Help with Personal Investments
Topic: My first non fee advisor meeting..confused
Replies: 35
Views: 4726

Re: The Three Fund Portfolio

So does this mean that if I am only investing in my company's Traditional 401k (which does not have Vanguard) and Vanguard for my Roth IRA, there is no advantage to using the 3-fund portfolio if I am able to use Target Retirement? Taylor's right, but I'm not sure your question is as specific as you...
by pingo
Mon Dec 15, 2014 6:15 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1012
Views: 446538

Re: TIPS Fund With Commodities?!?!

How much did this fund drop on Nov 28th 2014? I thought I'd come back to this question because it turns out I can look up for than I thought. From November 27 to November 28 2014 there was a 1.42% drop. (-1.42%) It also turns out I can chart the performance of individual employer options to some de...
by pingo
Fri Dec 12, 2014 8:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIPS Fund With Commodities?!?!
Replies: 8
Views: 1301

Re: A New 401k

Honestly, I don't know how they count the days, so out of ignorance I'd make it 91 days to be on the safe side. If by "make fund % changes" you mean transfer out of a fund, yes. (Come to think of it, your 401k might have a rebalancing tool that'll do the all the work for you when the time ...
by pingo
Fri Dec 12, 2014 6:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: A New 401k
Replies: 46
Views: 6194

Re: new 401k plan help

I see no problems with your fund placement nor with the relationships of Lg:Md:Sm or U.S.:International, etc. Very nice work.

It's true that when most of us see 0% bonds, we cringe. However, it's a very personal choice and you have a plan.

Now go get 'em, tiger. :beer
by pingo
Fri Dec 12, 2014 1:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: new 401k plan help
Replies: 23
Views: 1782

Re: A New 401k

^ That sounds right, but I think they'll include new contributions in the calculation. (That's the case with my sister's Fidelity 401k.) You'll probably have a small amount levied each time you exchange funds to rebalance because there will usually have been contributions within the prior 90 days. T...
by pingo
Thu Dec 11, 2014 1:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: A New 401k
Replies: 46
Views: 6194

Re: The Three Fund Portfolio

Edited: @ kkhanmd Taylor's right, but the answer to the SEC yield/capital gains question is that SEC yield is referring to dividend and/or interest income, not capital gains. Capital gains occur when assets increase in value (like a house), but they're not taxable until you have those earnings in h...
by pingo
Wed Dec 10, 2014 1:48 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1012
Views: 446538

Re: Bogle Advises Investing No More Than 20% Outside U.S.

Let's look at 3 investors: One uses Vanguard Total World Stock Index Fund One uses 50:50 Total U.S./ Total International One holds 20% International per John Bogle's suggestions Now, riddle me this: 1. Which investor's portfolio is the most complex? 2. Which investor has the largest exposure to the...
by pingo
Tue Dec 09, 2014 2:53 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle Advises Investing No More Than 20% Outside U.S.
Replies: 106
Views: 13181

Re: Bogle Advises Investing No More Than 20% Outside U.S.

Let's look at 3 investors: One uses Vanguard Total World Stock Index Fund One uses 50:50 Total U.S./ Total International One holds 20% International per John Bogle's suggestions Now, riddle me this: 1. Which investor's portfolio is the most complex? 2. Which investor has the largest exposure to the...
by pingo
Mon Dec 08, 2014 12:31 am
 
Forum: Investing - Theory, News & General
Topic: Bogle Advises Investing No More Than 20% Outside U.S.
Replies: 106
Views: 13181

Re: Bogle Advises Investing No More Than 20% Outside U.S.

Let's look at 3 investors: One uses Vanguard Total World Stock Index Fund One uses 50:50 Total U.S./ Total International One holds 20% International per John Bogle's suggestions Now, riddle me this: 1. Which investor's portfolio is the most complex? 2. Which investor has the largest exposure to the ...
by pingo
Sun Dec 07, 2014 8:03 am
 
Forum: Investing - Theory, News & General
Topic: Bogle Advises Investing No More Than 20% Outside U.S.
Replies: 106
Views: 13181

Re: A New 401k

Yep. Gotta see those percents.

Also, does either of you expect a pension in retirement?
by pingo
Fri Dec 05, 2014 5:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: A New 401k
Replies: 46
Views: 6194

Re: TIPS Fund With Commodities?!?!

Sorry for the delay in response, my friends. I really appreciate the input. The new fund is similar in concept to Fidelity's Fidelity Strategic Real Return Fund (FSRRX). Fidelity Strategic Real Return Fund (FSRRX) primarily invests in a combination of securities with inflation-fighting potential: in...
by pingo
Fri Dec 05, 2014 8:45 am
 
Forum: Investing - Help with Personal Investments
Topic: TIPS Fund With Commodities?!?!
Replies: 8
Views: 1301

Re: TIPS Fund With Commodities?!?!

Thank you for your response and perspective. I'm staying put for the moment, since I believe my employer thought long and hard and made an informed decision to alter the Inflation Protection Fund. I have not thought long or hard and I don't feel the information I'm finding offers compelling argument...
by pingo
Sat Nov 29, 2014 7:18 am
 
Forum: Investing - Help with Personal Investments
Topic: TIPS Fund With Commodities?!?!
Replies: 8
Views: 1301

Re: Personal portfolio - looking for ideas and advice

In other words, money is fungible. Rather than a transfer from one account to the other, it is merely a liquidation of funds within one account to purchase the fund that is desired in that account. Then, since there is now a fund/asset class that is no longer necessary in the other account and there...
by pingo
Sat Nov 29, 2014 6:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Personal portfolio - looking for ideas and advice
Replies: 7
Views: 972

Re: Performance Graphs [Help with fund choices]

You need to find this out for sure before even considering using the SDBA, the fee issue is critical. Usually there is an annual fee, or a per transaction fee, and often both. Right. And if it's an annual fee, that doesn't automatically mean it's bad, but you'll have to divide the annual fee by the...
by pingo
Sat Nov 29, 2014 6:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Performance Graphs [Help with fund choices]
Replies: 45
Views: 4356

Re: A New 401k

OP, thanks for adding some information, but you also must also list all funds that are available in the Old 401k plan, not just the funds in which s/he is currently invested. Otherwise, how can we advise which plan is preferable, or whether a transfer from one to the other is warranted, when we don'...
by pingo
Tue Nov 25, 2014 7:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: A New 401k
Replies: 46
Views: 6194

Re: California Savings Plus 401k Target Date Funds

It's just simpler to build your AA out of the index funds. Since they've switched to Aon Hewitt as the manager, you can set up your account to automatically rebalance at specified time intervals. Oh, yes. I would definitely do that. Once you've set it up, it's as simple for you as having a target d...
by pingo
Tue Nov 25, 2014 6:08 am
 
Forum: Investing - Help with Personal Investments
Topic: California Savings Plus 401k Target Date Funds
Replies: 8
Views: 851

Re: Moving current 401k funds into brokerage link?

My company offers an employee stock purchase plan. I havne't heard of the match of stock though. I'm not sure what the difference is between the HP stock fund vs the ESPP but it shouldn't matter since I'm not planning to invest in such risk! I don't know either, but if you're leaving money on the t...
by pingo
Mon Nov 24, 2014 6:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving current 401k funds into brokerage link?
Replies: 30
Views: 1881

Re: California Savings Plus 401k Target Date Funds

Well, international equities have returns of less than zero for the year thus far. Also, if the 1 year or year-to-date dates posted for the returns of those target funds are from June or September, as opposed to today (which is what happens when you look up U.S. stock returns YTD at Morningstar.com)...
by pingo
Mon Nov 24, 2014 2:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: California Savings Plus 401k Target Date Funds
Replies: 8
Views: 851

Re: Moving current 401k funds into brokerage link?

This is for investing in company stock. Sometimes employers offer the opportunity to invest in company stock at a discount, which can subsequently be sold at market prices for a profit. Other times, employers offer matching company stock for those who invest a certain amount in company stock. Eithe...
by pingo
Mon Nov 24, 2014 2:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving current 401k funds into brokerage link?
Replies: 30
Views: 1881

Re: California Savings Plus 401k Target Date Funds

Its equities appear to be split 50:50 US:International, which is roughly world marketweighted. It's probably an above-average weighting of US to International among lifecycle/target funds, but it's not irresponsible. Perhaps more importantly, can you be comfortable with the allocation? What are the ...
by pingo
Mon Nov 24, 2014 2:20 am
 
Forum: Investing - Help with Personal Investments
Topic: California Savings Plus 401k Target Date Funds
Replies: 8
Views: 851

Re: Need Help Allocating Assets

ER 0.30% is not too shabby for the ease of using a target fund, although I can see how that Union balanced fund is a bigger problem... As to the target fund and individual "asset class funds", my employer does something similar: it usually groups low cost, actively managed growth and value...
by pingo
Sun Nov 23, 2014 8:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Need Help Allocating Assets
Replies: 14
Views: 1367

Re: Moving current 401k funds into brokerage link?

What is the description of HP STOCK FUND(.02) ? OP, will you also answer the above question? My first thoughts are that it could be (a) a total U.S. stock index fund, which would be great, or (b) an option to invest money in company stock, which wouldn't be what we're looking for. What do the plan ...
by pingo
Sun Nov 23, 2014 8:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Moving current 401k funds into brokerage link?
Replies: 30
Views: 1881

Re: 10 Reasons why Merriman dislikes Total Stock Mkt

Wow. Mr. Merriman's podcast has left such awful impressions with some posters that it has motivated those posters to respond in ways that leave me with awful impressions of them. We all overstate our case, overplay our hand, overdo it on occasion. Perhaps it is only a fair or natural response: a dia...
by pingo
Fri Nov 21, 2014 7:50 am
 
Forum: Investing - Theory, News & General
Topic: 10 Reasons why Merriman dislikes Total Stock Mkt
Replies: 155
Views: 29539

Re: The Three Fund Portfolio

@ LadyGeek: A rare occurrence, indeed. But It always sounds better coming from you. :wink:
by pingo
Wed Nov 19, 2014 5:06 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1012
Views: 446538

Re: The Three Fund Portfolio

@tommoran2: It would be best to post the question along with all the relevant information per general recommendations for asking portfolio questions , but it is possible to pay zero federal capital gains taxes (within limits) when one is in the 15% bracket. As for a workable plan, more details are i...
by pingo
Wed Nov 19, 2014 5:03 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1012
Views: 446538

Re: portfolio allocation

I'll look into the 3 fund portfolio, but am looking for a little more fund diversification..if only to have more fun picking funds. At this stage in the game, it is doubtful that adding more funds will diversify versus a classic Three Fund Portfolio. Diversification is about risk reduction through ...
by pingo
Wed Nov 19, 2014 3:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: portfolio allocation
Replies: 8
Views: 1433

TIPS Fund With Commodities?!?!

Greetings all! To set the stage... I use my employer's self-directed brokerage window (Schwab PCRA) to invest, but I am required to keep a minimum balance in my employer's offerings. I keep the minimum balance (plus a cushion) in fixed income so that I don't run the risk of the employer side falling...
by pingo
Thu Nov 13, 2014 10:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIPS Fund With Commodities?!?!
Replies: 8
Views: 1301

Re: VEXAX IN ROTH

Agreed. I have $43000 in a Roth account. I have been advised to put 23000 in VEXAX and 20000 in VTIAX to bring my allocation to 52/48 roughly. What does the proportion of the Vanguard Extended Market Index Fund (VEXAX) versus Vanguard International Stock Index Fund (VTIAX) have to do with anything. ...
by pingo
Tue Nov 11, 2014 11:02 am
 
Forum: Investing - Theory, News & General
Topic: VEXAX IN ROTH
Replies: 6
Views: 554
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