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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: 11319

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: 4617

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: 969
Views: 411666

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: 1251

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: 41
Views: 4696

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 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: 1641

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: 41
Views: 4696

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: 969
Views: 411666

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: 11319

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: 11319

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: 11319

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: 41
Views: 4696

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: 1251

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: 1251

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: 965

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: 4141

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: 41
Views: 4696

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: 764

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: 1693

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: 764

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: 1693

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: 764

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: 1180

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: 1693

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: 17860

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: 969
Views: 411666

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: 969
Views: 411666

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: 1268

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: 1251

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: 541

Re: A New 401k

^ Major edits to my post above.
by pingo
Tue Nov 11, 2014 7:20 am
 
Forum: Investing - Help with Personal Investments
Topic: A New 401k
Replies: 41
Views: 4696

Re: A New 401k

If you're wondering why this thread is so anemic, it's because you haven't provided much information. Also, hoppy08520 asked you to do a little more work than that in order to provide more guidance. I'll add that it would be good if you list the names, tickers and expense ratios for your old 401k al...
by pingo
Tue Nov 11, 2014 7:05 am
 
Forum: Investing - Help with Personal Investments
Topic: A New 401k
Replies: 41
Views: 4696

Re: fidelity ffnox or separate?

Perhaps a lifecycle/target fund would be in order? It has been reported that Fidelity now allows retail investors to invest in their lineup of Fidelity Freedom Index Funds @ ER 0.16%. You can pick one that's closest to your desired asset allocation. I'm not dissing the venerable FFNOX, but I prefer ...
by pingo
Tue Nov 11, 2014 6:45 am
 
Forum: Investing - Help with Personal Investments
Topic: fidelity ffnox or separate?
Replies: 10
Views: 721

Re: Schwab ETF: SCHB or FNDB?

There is no important reason that I can see to pay a commission for a Vanguard ETF or fund. SCHB is a great way to obtain U.S. equity exposure. It has plenty of assets, trading volume, liquidity, etc. I use Schwab ETFs, but in the case of broad U.S. equity exposure, I don't. It's a matter of persona...
by pingo
Tue Nov 11, 2014 6:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Schwab ETF: SCHB or FNDB?
Replies: 7
Views: 571

Re: Portfolio planning for 2 physician household - 401k 457b

Side question, nobody recommended the balanced american funds to add to portfolio.......they have low expense ratios and are diversified. Any reason why you guys don't recommend them? In terms of diversification, Morningstar shows that the American Balanced Fund has 109 equity holdings and 956 bond...
by pingo
Mon Nov 10, 2014 6:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio planning for 2 physician household - 401k 457b -
Replies: 43
Views: 3259

Re: Portfolio planning for 2 physician household - 401k 457b

So it looks like I will be doing: 401k - 100% btiix 457b - 60% bttix 40% pimco bond roth ira- target retirement fund - vanguard 2045 I will hold off on taxable investing at this time and pay down the debts. Using a target fund in the Roth IRAs makes little sense if you desire meaningful Internation...
by pingo
Mon Nov 10, 2014 6:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio planning for 2 physician household - 401k 457b -
Replies: 43
Views: 3259

Re: Traders Millions By the minute

I'll also add that we may not all be scientists, but many of us have read enough from academics publishing in the field (a couple of whom even contribute to this forum) to at least grasp that there is a near-endless support of data for low cost, passive (or at least quasi-passive) investing, and not...
by pingo
Mon Nov 10, 2014 5:48 am
 
Forum: Investing - Theory, News & General
Topic: Traders Millions By the minute
Replies: 44
Views: 5999

Re: Traders Millions By the minute

I am not a believer. I am a scientist. It's not a bad point. Sometimes I unwittingly lock myself into the role of a believer, but IPer nails it here: This forum is about the Bogle way of thought and investing, a lot based on Graham and some other keen folk. While I *believe* the numbers backup cert...
by pingo
Mon Nov 10, 2014 5:24 am
 
Forum: Investing - Theory, News & General
Topic: Traders Millions By the minute
Replies: 44
Views: 5999

Re: Portfolio planning for 2 physician household - 401k 457b

I am in agreement with all this "consensus" talk, although if appears that you may not be as sure of it, at least in terms of the 457. I wanted to do a 80/20 or 85/15 stock/bond mix. However, If I put only the PIMCO in the 457, that would be 36k/83k contributed for a total bond allocation ...
by pingo
Sun Nov 09, 2014 8:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio planning for 2 physician household - 401k 457b -
Replies: 43
Views: 3259

Re: Portfolio planning for 2 physician household - 401k 457b

Cut, copy and insert my usual spiel here… Before investing money in a taxable account , you should look into whether or not you can do a "Mega Backdoor Roth" via the 401ks. Obviously, any such behavior should come after paying off your debts, so it is for future reference. Look at your 401...
by pingo
Sun Nov 09, 2014 3:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio planning for 2 physician household - 401k 457b -
Replies: 43
Views: 3259

Re: Asset allocation for 457 vs 401k

As you guys know […] I wasn't a part of those conversations, but I see that this is your 3rd portfolio help thread in 2 months and your 4th one this year. Nothing wrong with that, but I would suggest going back to whichever discussion is the most recent or the most complete (in terms of the persona...
by pingo
Sat Nov 08, 2014 8:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio planning for 2 physician household - 401k 457b -
Replies: 43
Views: 3259

Re: Best Online Brokerage - TD Ameritrade vs. Schwab

^ I agree completely. I don't use 6 funds, but I did for while. I eventually found compromises I'm willing to live with. If a lack of international small caps eats away at you, SCHC comes into play (5 funds) and if the even smaller and less important lack of emerging market mid/small caps bothers yo...
by pingo
Sun Nov 02, 2014 11:38 am
 
Forum: Investing - Theory, News & General
Topic: Best Online Brokerage - TD Ameritrade vs. Schwab
Replies: 24
Views: 2755

Re: Best Online Brokerage - TD Ameritrade vs. Schwab

I use Schwab's self-directed brokerage window available in my employer plan. I'm grateful to have it and Schwab seems like a great place to invest. However, I would think that TD Ameritrade is the better option for someone looking to implement The Three Fund Portfolio espoused by forum giant Taylor ...
by pingo
Sun Nov 02, 2014 9:38 am
 
Forum: Investing - Theory, News & General
Topic: Best Online Brokerage - TD Ameritrade vs. Schwab
Replies: 24
Views: 2755

Re: Please review my strategy (new at investing)

^ It's a good point and the answer may be in the eye of the investor. I, too, prefer traditional index funds more than ETFs and I like the idea of getting Vanguard funds at the source, yet if I look at my particular situation we have a Schwab account (self-directed brokerage window in employer plan)...
by pingo
Fri Oct 31, 2014 12:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please review my strategy (new at investing)
Replies: 13
Views: 1430

Re: Help with retirement asset allocation

Good afternoon All! Just wanted to stop by and thank everybody who guided me here. I've realigned my accounts over the past couple weeks based on the input I received. Now looking as indicated below. My next step will be to transfer the IRAs to Vanguard and consider the possibility of switching to ...
by pingo
Thu Oct 30, 2014 8:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with retirement asset allocation
Replies: 10
Views: 1795

Re: new 401k plan help

roth ira 24%- VGTSX 401k 63% Vanguard Institutional VIIIX 13% Vanguard Small Cap, VSPCX Maybe add some mid cap too. Those numbers aren't too helpful, at least not to me because: 1. We still don't know if you receive an employer match. If you do, your numbers are incorrect because $17,500 in persona...
by pingo
Tue Oct 28, 2014 10:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: new 401k plan help
Replies: 23
Views: 1641

Re: new 401k plan help

Target Retire 2060 Tr P — 1695 0.07% I don't even know ER 0.07% is possible for T. Rowe Price Target Retirement Funds, but if it's true, I'd go all in with a TRP TR fund that has an appropriate asset allocation. They're a great fund series, they allocate everything for you in a diversified manner a...
by pingo
Mon Oct 27, 2014 6:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: new 401k plan help
Replies: 23
Views: 1641

Re: Portfolio Advice Wanted - Recently Married Couple

You need to look into whether or not you can do a "Mega Backdoor Roth" via the 401k before investing more money in a taxable account. Look at your 401k Plan Document and the 401k website to find out whether or not you can slip more money into a Roth IRA through an after-tax option in your ...
by pingo
Wed Oct 22, 2014 1:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice Wanted - Recently Married Couple
Replies: 6
Views: 1143

Re: Portfolio Review - Recent Grad and BogleHead

All great questions! :D 1. You prescribed essentially 25% to each fund for my investment elections. Why don't you just set the future contributions percentages equal to the desired asset allocation? In essence, rather than have you rebalance by exchanging between funds, for the most part I've been s...
by pingo
Tue Oct 21, 2014 9:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Recent Grad and BogleHead
Replies: 33
Views: 3826
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