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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
Thu Mar 26, 2015 1:09 pm
 
Forum: Investing - Theory, News & General
Topic: R.I.P. George-J
Replies: 3
Views: 1532

Re: Int'l Hedged Bond Funds

I do agree that for a pro spective invesor, the SEC yield is most useful, but for OP's benefit, bonds can appreciate from dividend yield and from capital gains, which I presume is why PFODX has outperformed. And Pimco might continue to have magic in it's fund. No one knows the future. And the future...
by pingo
Wed Mar 25, 2015 5:38 pm
 
Forum: Investing - Theory, News & General
Topic: Int'l Hedged Bond Funds
Replies: 7
Views: 402

Re: Solo 401k Question

Agreed. Great explanation.
by pingo
Tue Mar 24, 2015 8:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Solo 401k Question
Replies: 4
Views: 280

Re: International increase in Target Retirement & LifeStrate

An investor can't "stay the course" with their AA choice - if that AA gets shifted by someone else. I can understand the frustration of it being something out of our control, but what does it mean to stay the course, anyway? John Bogle, William Berstein, Rick Ferri, Larry Swedroe et al al...
by pingo
Sat Mar 21, 2015 9:33 pm
 
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 219
Views: 17201

Re: International increase in Target Retirement & LifeStrate

The change in risk profile by shifting 10 percentage points from the U.S. to the International-side of the portfolio pales in comparison to a similar-size shift from the bond side of a portfolio to the stock-side.
by pingo
Fri Mar 20, 2015 4:06 pm
 
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 219
Views: 17201

Re: Portfolio change sanity check

What great options you have. I wouldn't change a thing if I didn't have to. Blackrock's LifePath Index funds and Vanguards Target Retirement funds are great, as well as Wellington for the HSA. ( Here's a link comparison/breakdown of LifePath versus VG TR funds.) If all your money could be invested i...
by pingo
Wed Mar 11, 2015 1:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio change sanity check
Replies: 5
Views: 664

Re: Washing Dress Shirts

Whites get a small amount of mild detergent, washing soda, borax, and OxiClean. Colors get the same except for no OxiClean. On a side note, OxiClean is 100% washing soda. That is, it's 50% regular washing soda (sodium carbonate) plus 50% washing soda that has been allowed to absorb hydrogen peroxid...
by pingo
Tue Mar 10, 2015 1:11 am
 
Forum: Personal Consumer Issues
Topic: Washing Dress Shirts
Replies: 38
Views: 2696

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

^ Same here. The target date fund will already hold the S&P 500 inside of it. In fact the S&P 500 is probably the largest part of it, however the target fund diversifies beyond the S&P 500, beyond the U.S. stock market and beyond stocks--meaning bonds, too. The target fund is the clear w...
by pingo
Tue Mar 10, 2015 12:57 am
 
Forum: Investing - Help with Personal Investments
Topic: S&P 500 Index Fund vs target date for 401k
Replies: 11
Views: 1258

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

The Schwab ETF that corresponds to Vanguard Total Market (VTI) is based on a different index and around 2000 holdings as opposed to Vanguards 3808 so less diversified: http://www.schwab.com/public/schwab/investing/investment_help/investment_research/etf_research/etfs.html?&&path=%2FProspect...
by pingo
Mon Mar 09, 2015 6:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Want to invest with Vanguard but not comfortable with....
Replies: 79
Views: 4663

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

I'm a big fan of Vanguard, flaws and all, and I also have an account at Schwab, but I told my sister to go to Fidelity. Her 401k is Fido and there's a Fido branch near her home. I like that she can have a 3-fund portfolio as cheap and effective as Vanguard. When she couldn't figure out how to do som...
by pingo
Mon Mar 09, 2015 1:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Want to invest with Vanguard but not comfortable with....
Replies: 79
Views: 4663

Re: Fidelity Freedom Index Funds - Available to retail inves

For most people, the ease of using a ER 0.16% target fund outweighs the cost savings of rolling your own with the advantage class funds, all else being equal. The costs of investing either way are so low, I doubt that a lower cost DIY portfolio increases the odds of better performance since the savi...
by pingo
Sun Mar 08, 2015 12:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Freedom Index Funds - Available to retail investors
Replies: 10
Views: 2130

Re: International increase in Target Retirement & LifeStrate

Me too. I stand corrected. There will even be Bogleheads that see the move as exactly what they want: ongoing investment decisions made by an experienced portfolio management team. Nothin' wrong with it. My hyperbole detector is faulty, but there I note a bit of it in this thread. So have we caught...
by pingo
Wed Mar 04, 2015 2:10 pm
 
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 219
Views: 17201

Re: The Three Fund Portfolio

Just use SCHF. It includes samll and Emerging. If you're content with SCHB, you should be content with SCHF Not so. SCHF is essentially a Developed-only large cap fund, although it does hold a few mid caps. (Source link .) I agree that it's okay to use only SCHF for one's international exposure, al...
by pingo
Wed Mar 04, 2015 1:56 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1036
Views: 472300

Re: Portfolio Analysis

If the 403b has acceptable options and isn't too costly, she might look into her options upon leaving employment. For example... ...can she leave the 403b with her employer? ...will the 403b be charged exorbitant fees for remaining there while she is no longer working there? An ideal circumstance wo...
by pingo
Tue Mar 03, 2015 7:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Analysis
Replies: 4
Views: 517

Re: Portfolio Analysis

Another point that's worth exploring (copied from a different thread): Does your 401k have the option to also make after-tax contributions? (I'm not referring to Roth 401k option.) Some plans allow participants to also make after-tax contributions with the option each year to distribute the savings,...
by pingo
Mon Mar 02, 2015 1:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Analysis
Replies: 4
Views: 517

Re: Portfolio Analysis

Welcome to the forum! :D So you do not have any Traditional IRAs? She does not have any investments/accounts to consider? If what you posted is complete, then you can do what we affectionately call the Backdoor Roth IRA. It basically consists of making non-deductible "traditional" IRA cont...
by pingo
Mon Mar 02, 2015 1:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Analysis
Replies: 4
Views: 517

Re: International increase in Target Retirement & LifeStrate

I wrote this exact post a year or two ago that 40% was right around the corner. It was obvious. No surprise here. Next is 50% US & 50% International. Good point. Perhaps Vanguard's unstated "course" for some time has been to transition in stages to a higher amount of international. Wh...
by pingo
Sat Feb 28, 2015 12:42 pm
 
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 219
Views: 17201

Re: Is this a good AA plan?

New annual contributions $18K his 401K (company match $13K) $18K her TSP (no match) $5.5K his Roth $5.5K her Roth The rest will go towards paying off the 5+% debt, which should take about 4-5 months. Once that is paid off, we will open up a taxable account for retirement purposes. How much is "...
by pingo
Sat Feb 28, 2015 2:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Is this a good AA plan?
Replies: 7
Views: 905

Re: Is the first 100k really the hardest?

All my life I have heard that the first X is the hardest. Is that not like saying that two miles is a longer distance than one mile? [...] In my case, it's why I emphasized that the first X *felt* like a long time, and the second X *felt* like it took just as long, even though it must have taken lo...
by pingo
Fri Feb 27, 2015 5:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is the first 100k really the hardest?
Replies: 58
Views: 9110

Re: Is the first 100k really the hardest?

The first 10k felt like it took forever.
The first 100k felt like it took just as long.
I expect the first million to feel even longer...if we make it that far.

Then again, once we hit 100k, it didn't take long to hit 250k. Time will tell.
by pingo
Thu Feb 26, 2015 2:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is the first 100k really the hardest?
Replies: 58
Views: 9110

Re: International increase in Target Retirement & LifeStrate

I do tend to think that Vanguard should be embarrassed to present these as funds you are expected to plan on using for a lifetime (there's no point in the glide slope if you aren't planning to stay in the fund long enough for the allocation to change much), when they can't stick to their own plan f...
by pingo
Thu Feb 26, 2015 2:07 pm
 
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 219
Views: 17201

Re: Total International ER drop

G-Money wrote:You've got to get up pretty early in the morning to be the first Boglehead to post about lower ERs. :)


I call it the Efficient Forum Hypothesis. Not too many $100 bills laying on the ground around here, either. :D
by pingo
Thu Feb 26, 2015 1:55 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Tot Intl and Emerging Markets just got cheaper
Replies: 56
Views: 6281

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

...blenders, button-ups, tablet PCs...
by pingo
Thu Feb 26, 2015 1:51 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: "The world's largest non-commercial financial forum".
Replies: 29
Views: 2293

Re: John Bogle on International Investing

You forgot about Warren. In his letter to Berkshire shareholders he writes, "Indeed, who has ever benefited during the past 237 years by betting against America? If you compare our country's present condition to that existing in 1776, you have to rub your eyes in wonder. And the dynamism embed...
by pingo
Thu Feb 19, 2015 6:00 pm
 
Forum: Investing - Theory, News & General
Topic: John Bogle on International Investing
Replies: 184
Views: 15712

Re: Target date funds

Stick with what you've been doing. They're both wonderful target fund series. The underlying components of the TRP retirement funds are not so difficult to understand. They are almost as straight forward as Vanguard's, except that there are more of them. In comparing performance between the two... h...
by pingo
Tue Feb 17, 2015 7:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Target date funds-- Retirement Tax RMD Planning
Replies: 11
Views: 1383

Re: John Bogle on International Investing

Well...the other reason these threads come up is the divergence of probably the majority of Bogleheads with our mentor, a man who continues to emphasize the adequacy of an all-U.S. portfolio. In the case of this thread, Stemikger gets to live with the satisfaction of saying, "Not only do I inve...
by pingo
Tue Feb 17, 2015 6:04 pm
 
Forum: Investing - Theory, News & General
Topic: John Bogle on International Investing
Replies: 184
Views: 15712

Re: John Bogle on International Investing

Perhaps we all might agree that a completely valid reason to invest U.S.-only is when one's only viable investment option is a low-cost S&P 500 fund in an employer plan.
by pingo
Wed Feb 11, 2015 3:18 pm
 
Forum: Investing - Theory, News & General
Topic: John Bogle on International Investing
Replies: 184
Views: 15712

Re: John Bogle on International Investing

In The Four Pillars of Investing , William Bernstein offers an interesting discussion about risk and reward both historically and internationally and he goes pretty far back. The "best" countries to invest tend to yield lower returns than the "worst". I recommend Bernstein's work...
by pingo
Tue Feb 10, 2015 5:55 pm
 
Forum: Investing - Theory, News & General
Topic: John Bogle on International Investing
Replies: 184
Views: 15712

Re: Paperless Office?

3) Downloaded owners' manuals from manufacturers and thrown out hard copy manuals And most owner's manuals are already online for downloading; no scanning necessary. If you really want to live life on the edge, you won't save manuals at all; just trust that they'll be online when needed. For what i...
by pingo
Mon Feb 09, 2015 2:47 pm
 
Forum: Personal Consumer Issues
Topic: Paperless Office?
Replies: 55
Views: 3189

Re: John Bogle on International Investing

It is about philosophy, willingness, need and tolerance for risk. "No international" is what helps John Bogle stay the course. Here, John Bogle resonates with Stemikger, therefore Stemikger is more likely to stay the course. In this instance, John Bogle does not resonate with me. Were I to...
by pingo
Mon Feb 09, 2015 2:22 pm
 
Forum: Investing - Theory, News & General
Topic: John Bogle on International Investing
Replies: 184
Views: 15712

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: 2763

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: 2763

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: 1503

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: 590

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: 1377

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: 4188

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: 4188

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: 1107

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: 4188

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: 1107

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: 2096

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: 2096

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: 2096

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: 296
Views: 37246

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: 296
Views: 37246

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: 5686

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: 5686

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: 1905

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: 717

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: 13299
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