Search found 2247 matches

by pingo
Fri Sep 04, 2015 1:24 am
Forum: Personal Finance (Not Investing)
Topic: When will be a good time to buy a house in the South Bay Area?
Replies: 22
Views: 2160

Re: When will be a good time to buy a house in the South Bay Area?

Wait a second...are we talking about the South Bay in SoCal, or the southern portion of the Bay Area in NoCal?
by pingo
Wed Sep 02, 2015 1:05 am
Forum: Investing - Help with Personal Investments
Topic: Roth 401k Help
Replies: 5
Views: 418

Re: Roth 401k Help

^ I really can't argue with that, but I will explain my thinking a little further. OP, I write not to convince, but to edify (hopefully). If we were talking about investing in the Vanguard Total Stock Market Index Fund - Investor Class (ER 0.17%), I'd still say it's good enough. Since the OP's U.S. ...
by pingo
Tue Sep 01, 2015 5:19 pm
Forum: Investing - Help with Personal Investments
Topic: Roth 401k Help
Replies: 5
Views: 418

Re: Roth 401k Help

That U.S. Equity All Cap Blend is only 11 basis points (6 more than for the S&P 500). The difference is tiny enough I might go with the All Cap fund since it is bound to efficiently cover large caps (S&P 500) and the remaining mid and small caps of the U.S. market as well. I wouldn't expect ...
by pingo
Sun Aug 30, 2015 10:52 pm
Forum: Investing - Help with Personal Investments
Topic: Amerivest Managed Risk Portfolio - good/ bad idea?
Replies: 11
Views: 628

Re: Amerivest Managed Risk Portfolio - good/ bad idea?

The Amerivest Managed Risk Portfolio relies on short selling, derivatives, arbitrage and flexible mandates, which are not exactly our cup of tea at Bogleheads. In terms of the account you'd be using, AMRP couples the tax- in efficiency of fund rebalancing and high turnover with a high expense ratio ...
by pingo
Tue Aug 18, 2015 6:24 pm
Forum: Investing - Help with Personal Investments
Topic: Please help with roth 403b Allocation
Replies: 46
Views: 2710

Re: Please help with roth 403b Allocation

Strange. Your post above says August 15, but I have not received a notification. (?) By coincidence, I re-opened some old webpages today and I saw your latest post. As for the Voya Fixed Plus III: there's nothing necessarily wrong with it. I believe it's a stable value fund which can be used as part...
by pingo
Thu Aug 13, 2015 7:27 pm
Forum: Investing - Help with Personal Investments
Topic: Please help with roth 403b Allocation
Replies: 46
Views: 2710

Re: Please help with roth 403b Allocation

Edits. Sorry. Life got in the way and I wasn't able to come back. (I thought others might jump in as well.) Automatic rebalancing and the abscence of a perceptible cost benefit otherwise, mean that now it makes even more sense to continue holding target funds in the Roth IRAs and to have the 403bs ...
by pingo
Tue Aug 11, 2015 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: Please help with roth 403b Allocation
Replies: 46
Views: 2710

Re: Please help with roth 403b Allocation

As an update to this thread, triheado and I have been PM'ing each other. With triheado's permission, I am posting a summary of that discussion: triheado confirmed that there is an additional 0.65% fee added to each of the previously recommended funds. In other words: Even with the added .65% fee, it...
by pingo
Mon Aug 10, 2015 7:27 pm
Forum: Investing - Help with Personal Investments
Topic: Diversifying Vanguard Roth IRA for new investor (age 27)
Replies: 3
Views: 346

Re: Diversifying Vanguard Roth IRA for new investor (age 27)

Welcome to the forum! I'm glad you found it. You're on the right track, but we need to de-bug your system. I've recently stumbled upon this forum and was hoping to get some advice about the next mutual fund(s) to invest in for my Roth IRA. Let's talk about what you have because you may learn a thing...
by pingo
Mon Aug 10, 2015 6:21 pm
Forum: Investing - Theory, News & General
Topic: Rick Ferri Launching A Robo Advisory
Replies: 31
Views: 6831

Re: Rick Ferri Launching A Robo Advisory

Domo arigato, Mr. Roboto.
by pingo
Sat Aug 08, 2015 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Recent Grad and BogleHead
Replies: 39
Views: 5231

Re: Portfolio Review - Recent Grad and BogleHead

I don't know what I was thinking. Bi-weekly is perfectly clear. :oops: Yeah, that kind of expense ratio change is normal for something like FSGUX. Also, the net expense ratio is what you are charged. What were your original intentions with the Roth IRA as an emergency savings? The original intention...
by pingo
Wed Aug 05, 2015 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: 457 asset allocation
Replies: 12
Views: 752

Re: 457 asset allocation

Also, look to see if the 457 has a rebalacer tool. If so, set it to automatically keep your desired asset allocation.
by pingo
Wed Aug 05, 2015 4:59 pm
Forum: Investing - Help with Personal Investments
Topic: Please help with roth 403b Allocation
Replies: 46
Views: 2710

Re: Please help with roth 403b Allocation

Try to help me understand. Why do you have to go through a finanical intermediary at a credit union, rather than interfacing directly with your 403b plan via Nationwide's retirement plan website? It seems that the only people with whom you should be having dealings are HR or the plan provider (presu...
by pingo
Wed Aug 05, 2015 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Recent Grad and BogleHead
Replies: 39
Views: 5231

Re: Portfolio Review - Recent Grad and BogleHead

Things look pretty nice. It appears you've decided to only use the Roth account for investing, rather than use it for emergency savings until the Roth has enough to cover emegencies (in which case additional Roth money would go to investments) and/or until you have also saved enough cash outside of ...
by pingo
Tue Aug 04, 2015 3:22 am
Forum: Investing - Help with Personal Investments
Topic: Help with American Funds please!
Replies: 18
Views: 1262

Re: Help with American Funds please!

You have been churned and burned. The first harm to your portfolio performance is the 5.75% they take off the top. The funds themselves, the weighted expense ratio (0.61%) and the weighted asset allocation (57% US / 18% International / 25% Bonds and Cash) would be alright if it weren't for the fact ...
by pingo
Mon Aug 03, 2015 11:39 pm
Forum: Investing - Help with Personal Investments
Topic: So, how do I compare two 401k plans?
Replies: 18
Views: 1117

Re: So, how do I compare two 401k plans?

While the asset allocation in the T Rowe Price plan might be about the same, it appears to consist of a hodgepodge of their mutual funds (18 if it is TRRNX), whereas the Vanguard fund is much cleaner consisting of only 4 of their funds. I share rkhusky's preference for "clean" index funds...
by pingo
Mon Aug 03, 2015 12:54 am
Forum: Investing - Help with Personal Investments
Topic: So, how do I compare two 401k plans?
Replies: 18
Views: 1117

Re: So, how do I compare two 401k plans?

The target funds in each plan are very good, and there is little difference between the asset allocation of the two funds you posted. Obviously, most here would favor the Vanguard fund, which is in the old plan, but you can obtain that fund at a lower cost by rolling it over to a Vanguard IRA and se...
by pingo
Mon Aug 03, 2015 12:48 am
Forum: Investing - Help with Personal Investments
Topic: So, how do I compare two 401k plans?
Replies: 18
Views: 1117

Re: So, how do I compare two 401k plans?

^ Yes, and you must read your 401k plan documentation to find out what, if any, fees are being assessed by the plan. Those plans cost money, and usually plan participants pay those costs. As an example, my employer plan offers funds, each of which has an expense ratio. The plan also levies a small m...
by pingo
Wed Jul 29, 2015 9:38 am
Forum: Investing - Help with Personal Investments
Topic: Please help with roth 403b Allocation
Replies: 46
Views: 2710

Re: Please help with roth 403b Allocation

Okay, I'll stop obsessing about your earlier fund picks…but only because you said so. :D And it turns out that there is automatic rebalancing which I automated to do annually. Thanks again for the suggestions. Wonderful! Had auto-rebalancing not been available, the suggestion probably would have bee...
by pingo
Mon Jul 27, 2015 10:20 pm
Forum: Investing - Help with Personal Investments
Topic: Please help with roth 403b Allocation
Replies: 46
Views: 2710

Re: Please help with roth 403b Allocation

Looking at American Funds New Economy Fund (RNGFX) was a strange experience. I couldn't be sure what to use for comparison. It currently holds about 2/3 U.S. and 1/3 Foreign stocks. Morningstar.com also categorizes it as a large growth stock fund. But as I read the investment strategy description in...
by pingo
Mon Jul 27, 2015 10:07 pm
Forum: Investing - Help with Personal Investments
Topic: Please help with roth 403b Allocation
Replies: 46
Views: 2710

Re: Please help with roth 403b Allocation

Okay, with other comparisons I'm probably going to be pushing the value of the comparisons, but I'll see if some useful information comes of it. American Funds Growth Fund of America (RGAFX) is a good large cap growth fund with performance trouncing the S&P 500, but one of the problems with comp...
by pingo
Sat Jul 25, 2015 10:51 am
Forum: Investing - Help with Personal Investments
Topic: Please help with roth 403b Allocation
Replies: 46
Views: 2710

Re: Please help with roth 403b Allocation

Unfortunately, it doesn't have a rebalancer/rebalancing tool. :( Our credit union's financial planner acts as that tool. It sounds like extra fee's may be involved. Are you allowed to go it alone without your CU's "helper"? I'm trying to figure out the fine line between fees and gains whe...
by pingo
Fri Jul 24, 2015 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: Please help with roth 403b Allocation
Replies: 46
Views: 2710

Re: Please help with roth 403b Allocation

I'm honestly clueless when it comes to taxes which is why I have a tax guy. Good because I'm not a tax guy. Taxes are tough for me to understand as well, so buyer beware. I also use a tax guy, but I do agree with retiredjg that grasping what is happening with your taxes is critical so you can make ...
by pingo
Thu Jul 23, 2015 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: Please help with roth 403b Allocation
Replies: 46
Views: 2710

Re: Please help with roth 403b Allocation

Congratulations. You are in an enviable situation, for sure. Just to alleviate the guessing game, our taxable income together this year will be 135k, but only because, she is going part time. When she goes full time (which will probably be in about 1-2 years, we will be at 168-175k. Retiredjg is rig...
by pingo
Wed Jul 22, 2015 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: Please help with roth 403b Allocation
Replies: 46
Views: 2710

Re: Please help with roth 403b Allocation

Talk about a hodge podge of funds in your 403b plan. I'm a big fan of lifecycle/target date funds, but they' re too expensive in your 403b. It's also weird that they offer two different S&P 500 index funds: an inexpensive one (Vanguard) and an expensive one (NW). I wonder which one people will c...
by pingo
Wed Jul 22, 2015 11:58 am
Forum: Investing - Theory, News & General
Topic: A Visual History of Market Crash Predictions
Replies: 12
Views: 2461

Re: A Visual History of Market Crash Predictions

What a breath of fresh air. My thanks to Michael Johnston for the article and louis c for the link. The article provides a nice visual with substantial details to make an effective point to us lay-investors. I'm going to sloppily re-state the obvious : there exists a classic system of inventing an e...
by pingo
Sat Jul 11, 2015 7:26 pm
Forum: Investing - Theory, News & General
Topic: The Brainwashing of the American Investor
Replies: 68
Views: 8809

Re: The Brainwashing of the American Investor

The wealth-producing system is not necessarily the system marketed to the consumer, but system used by its marketer. One system is to come up with an exclusive system, write a book about that system, then sell the system and sell the book to sell the system. Selling the book and selling the system a...
by pingo
Sat Jul 11, 2015 6:40 pm
Forum: Investing - Help with Personal Investments
Topic: Forget about Bonds?
Replies: 41
Views: 4442

Re: Forget about Bonds?

You should go back and see what Edleman was saying in the 80's. His books strongly criticized index funds. He put his clients in high expense ratio, actively managed funds. Edleman's advice parallels what is hot, which means what he can make the most money from. Edleman moves with the crowd because...
by pingo
Fri Jul 10, 2015 7:29 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation and 401(k) Choices
Replies: 2
Views: 286

Re: Asset Allocation and 401(k) Choices

A few items from a non-expert, non-pro to help get things going. New Annual Contributions: His 401(k): 4% of annual Salary with 4% Company Match <--Please indicate dollar amounts. His Roth: $6500 Her Roth:$6500 No more taxable account contributions? (I merely want to be sure it's not an oversight.) ...
by pingo
Wed Jul 08, 2015 6:17 pm
Forum: Investing - Help with Personal Investments
Topic: Allocations for my 401K
Replies: 27
Views: 2070

Re: Allocations for my 401K

My problem with all of it is that you have access to BTC Lifepath funds with ER 0.09% …how are they not even being discussed as a viable option? They're excellent lifecycle/target funds with a straight forward glide path. I don't think you can make a DIY portfolio inside of this 401k that is as com...
by pingo
Wed Jul 08, 2015 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: First 401k. Trying to not mess up too much.
Replies: 21
Views: 1608

Re: First 401k. Trying to not mess up too much.

I'm not making assumptions about what you'll do, but If you decide to have some bonds and/or if you decide to use one of the LifePath portfolios, you don't have to pick the one with the date nearest your expected retirement year. Another way to go about it is to determine the percent of bonds you wa...
by pingo
Tue Jul 07, 2015 5:35 pm
Forum: Investing - Help with Personal Investments
Topic: First 401k. Trying to not mess up too much.
Replies: 21
Views: 1608

Re: First 401k. Trying to not mess up too much.

SSgA Global Equity US Index NL C (ZVCQ2) .17% Is that "SSgA Global Equity ex-US Index"? What index does it track? It probably includes Emerging Markets. BTW I'm a big fan of target funds and your plan's LifePath Index funds (click the link) includes Emerging Markets and it overweights REI...
by pingo
Tue Jul 07, 2015 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: Lifestrategy in taxable account
Replies: 6
Views: 654

Re: Lifestrategy in taxable account

I probably wouldn't worry about it too much if you're in the 15% federal bracket with no expectation of moving out of that bracket. Do you plan to saving a lot in your taxable account, relative to the size of your Roth and/or the size of Roth contributions? One workaround might be to use a more aggr...
by pingo
Mon Jul 06, 2015 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: 401k plan for Spouse
Replies: 16
Views: 1506

Re: 401k plan for Spouse

BL wrote:You didn't say if she gets a 1099 or is a W-2 recipient.


Right. I think this must be explicitly stated, and OP has yet to respond explicitly.

OP,

Which does she receive each year? Or, has she not worked there long enough to have received one or the other?
by pingo
Sun Jul 05, 2015 1:00 am
Forum: Investing - Help with Personal Investments
Topic: Allocations for my 401K
Replies: 27
Views: 2070

Re: Allocations for my 401K

The VG Short-Term bond fund is a perfectly fine choice for bonds. It's shorter duration means it's lower risk and will have lower expected returns, but that can be good, given your high stock allocation. Some investors/Bogleheads prefer to keep their bonds short per William Bernstein's approach. The...
by pingo
Sat Jul 04, 2015 1:38 am
Forum: Personal Finance (Not Investing)
Topic: 2 million dollar mistake meeting with MIL's financial guy
Replies: 47
Views: 13746

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

I am eager to hear what the CFA has to say. Hopefully it will include a way to get your MIL out of the hands of her CLU and on to sensible, financial independence.
by pingo
Fri Jul 03, 2015 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: 401k plan for Spouse
Replies: 16
Views: 1506

Re: 401k plan for Spouse

I don't know if she can do this, but the usual alternative to a SEP-IRA is the (less simple) Solo 401k, a.k.a Individual 401k, a.k.a. i401k.

http://www.bogleheads.org/wiki/Solo_401(k)_plan
by pingo
Fri Jul 03, 2015 3:15 pm
Forum: Investing - Theory, News & General
Topic: Bill Gross' July Outlook: "It never rains in California"
Replies: 6
Views: 2433

Re: Bill Gross' July Outlook: "It never rains in California"

heyyou wrote:Something about "monthly forecast" just doesn't suit my investing time frame.


:D
by pingo
Thu Jul 02, 2015 7:10 pm
Forum: Investing - Help with Personal Investments
Topic: Pick One of Three! Vanguard Balanced Funds
Replies: 23
Views: 3711

Re: Pick One of Three! Vanguard Balanced Funds

If we were talking about me... I'd probably go with VG LS Moderate Growth because I want significant international presence in my portfolio. (and I'm not the biggest fan of international investing, given that all global multinationals aren't really american companies anymore (many would debate that)...
by pingo
Thu Jul 02, 2015 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: value over growth ?
Replies: 15
Views: 1334

Re: value over growth ?

my experience long term is that growth has outperformed value, so if one has 15+ year time horizon to retirement, isnt growth the better play. my personal experience with Vanguard small cap growth (i have owned for 15+yrs) vs Vanguard small cap value ( i dont own any yet) has shown me that growth o...
by pingo
Thu Jul 02, 2015 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: value over growth ?
Replies: 15
Views: 1334

Re: value over growth ?

Is this the long-term data referenced by OP? Vanguard Small Cap Growth Index Fund (VISGX) Vanguard Small Cap Value Index Fund (VISVX) http://i62.tinypic.com/28wf8cw.jpg Of course, we are told that Vanguard's SG and SV funds are not quite what we should be viewing. Regardless, I would recommend readi...
by pingo
Thu Jul 02, 2015 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Portfolio
Replies: 2
Views: 307

Re: Help with Portfolio

We need more info. See here . I'm just going to blather for a couple paragraphs. All returns are expected to be muted going forward. Perhaps there is turmoil ahead. It doesn't mean changing course will help. FTBFX is a great bond holding. One thing is for sure, if you allocate more to stocks, that's...
by pingo
Thu Jul 02, 2015 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: 401K - Stable Fund Vs. Other Choice
Replies: 10
Views: 1518

Re: 401K - Stable Fund Vs. Other Choice

Welcome to the forum! :D Vanguard Target Retirement Income Plus? Are you sure it's not Vanguard Retirement Income? Vanguard Retirement Income is the fund all VG Target funds become 7 years after reaching the retirement date. It is 30% stocks and 70% bonds. Stable Value Funds are a bit of an exceptio...
by pingo
Wed Jul 01, 2015 6:18 pm
Forum: Personal Consumer Issues
Topic: MacBook Pro Worth the money?
Replies: 79
Views: 9182

Re: MacBook Pro Worth the money?

^ Wow, that's really saying something about the new trackpad technology, given that I've always been impressed at how much more I like the responsiveness of my Apple trackpads and mouse.
by pingo
Tue Jun 30, 2015 4:06 pm
Forum: Personal Consumer Issues
Topic: MacBook Pro Worth the money?
Replies: 79
Views: 9182

Re: MacBook Pro Worth the money?

I constantly use my 12" PowerBook G4 laptop which I purchased 11 years ago. Great machine. I sync it with my 10-ish year old Palm Centro "smart" phone. YMMV.

Mrs. Pingo has a 15" MacBook Pro purchased ~3 years ago.
by pingo
Mon Jun 29, 2015 11:44 pm
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1207
Views: 581631

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: 25
Views: 2671

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: OID Y X 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...
by pingo
Sat Jun 27, 2015 11:23 pm
Forum: Investing - Help with Personal Investments
Topic: 401K advisor Qusestions
Replies: 25
Views: 2671

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: 25
Views: 2671

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: 25
Views: 2671

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: 25
Views: 2671

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...

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