Search found 2230 matches

by pingo
Wed Jul 29, 2015 9:38 am
Forum: Investing - Help with Personal Investments
Topic: Please help with roth 403b Allocation
Replies: 39
Views: 1959

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: 39
Views: 1959

Re: Please help with roth 403b Allocation

American Funds New Economy Fund was weird to look up. By looking at it's makeup, I again wasn't sure what should be used for comparison. It currently holds about 2/3 U.S. and 1/3 Foreign stocks. It is also categorized as a large growth stock fund. But here's the weird thing: I looked up the investme...
by pingo
Mon Jul 27, 2015 10:07 pm
Forum: Investing - Help with Personal Investments
Topic: Please help with roth 403b Allocation
Replies: 39
Views: 1959

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. Whether one is chasing performanc...
by pingo
Sat Jul 25, 2015 10:51 am
Forum: Investing - Help with Personal Investments
Topic: Please help with roth 403b Allocation
Replies: 39
Views: 1959

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: 39
Views: 1959

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: 39
Views: 1959

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: 39
Views: 1959

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: 2337

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: 8567

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: 4175

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: 237

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: 2006

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: 1513

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: 1513

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: 629

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: 1491

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: 2006

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: 13614

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: 1491

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: 2395

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: 3654

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: 1310

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: 1310

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: 296

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: 1503

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: 9007

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: 9007

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: 1158
Views: 552655

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: 2633

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: 2633

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: 2633

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: 2633

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: 2633

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: 1994

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: 1154

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: 1154

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: 4418

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: 535

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: 2746

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: 2256

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: 454

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: 639

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: 1246

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: 958

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: 958

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: 1963

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: 1963

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: 1963

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: 1963

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...

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