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Re: Portfolio Review - Recent Grad and BogleHead

I disagree here as it's best to do this as a direct rollover to the IRA otherwise there will be withholding on the taxable portion which won't be a lot but will be an unnecessary complication. Thank you for pointing this out to ensure it is done properly. I've stated several times that it must be d...
by pingo
Tue Jul 22, 2014 7:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Recent Grad and BogleHead
Replies: 16
Views: 1540

Re: Portfolio Review - Recent Grad and BogleHead

1. Most people have this cockamamy idea that a Roth beats Traditional every time, regardless of tax situation. ( Unicorns farting rainbows! , as stated by Mr. Taxes himself, Bob's not my name .) A Roth 401k can be a great tool, but it's all relative. On that note, I thought I'd go look at a compari...
by pingo
Tue Jul 22, 2014 2:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Recent Grad and BogleHead
Replies: 16
Views: 1540

Re: Portfolio Review - Recent Grad and BogleHead

1) My plan does allow for after-tax contributions 2) Here is my plan document on in-service withdrawals https://dl.dropboxusercontent.com/u/56343499/XII.pdf According to the document it seems I can, but on the website it says "There are no withdrawals currently available for your plan". P...
by pingo
Tue Jul 22, 2014 1:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Recent Grad and BogleHead
Replies: 16
Views: 1540

Re: 401K Allocations 51 years old

I added links and edited above in red. I overlooked a small, but significant detail which means the best choice is even clearer than before.
by pingo
Sun Jul 20, 2014 11:55 am
 
Forum: Investing - Help with Personal Investments
Topic: 401K Allocations 51 years old
Replies: 7
Views: 1420

Re: 401K Allocations 51 years old

bbigg51 . It dawned on me that the expense ratios you listed are in line with other 401ks we've seen and some have Institutional ER which means their not trying to gouge on pricing. This allowed me to get a good idea of your fund ERs. As such I feel comfortable suggesting you put 100% of your 401k ...
by pingo
Sun Jul 20, 2014 2:06 am
 
Forum: Investing - Help with Personal Investments
Topic: 401K Allocations 51 years old
Replies: 7
Views: 1420

Re: Help with asset allocation

I agree that the portfolio is very low on bonds. If it were all-Wellesley it would have plenty. Just some random comments: 15% in REIT seems high, unless you've already been using a high allocation to REIT for years and have experience staying the course with them. REIT expected returns are no highe...
by pingo
Sun Jul 20, 2014 12:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with asset allocation
Replies: 5
Views: 683

Re: Help with new 401K choices

The expensive 401k choices (with no index funds) make it too complicated to consider all accounts as one portfolio for all purposes. So, it is still probably best to consider costs first, and the need to maintain the right overall stock-bond ratio, but it may be dis advantageous to maintain a consis...
by pingo
Sat Jul 19, 2014 12:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with new 401K choices
Replies: 10
Views: 770

Re: Portfolio Review - Recent Grad and BogleHead

Roth vs Traditional : Based on what you said, I agree it may not make sense for me to be contributing to a Roth 401k. I suspect I will be debt free in retirement and my expenses will be low. I have changed it so my future contributions will go to a traditional 401k. :thumbsup Oh! I should have chec...
by pingo
Fri Jul 18, 2014 7:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Recent Grad and BogleHead
Replies: 16
Views: 1540

Re: Help with new 401K choices

Thanks for the update. Something I forgot to ask: are the old 401k assets automatically being rolled into the new plan with the new advisor? Or, can the old 401k assets remain with the old 401 advisor? (If they can stay with the old 401k, what are all the fund options in that plan?) Again, do you kn...
by pingo
Fri Jul 18, 2014 1:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with new 401K choices
Replies: 10
Views: 770

Re: Help with new 401K choices

Delayed Gratification wrote:Since I’ve switched from investing in the Roth to the 401K I haven’t been really sure about how to keep the asset allocation on track.


Also, is the reason for not filling your Roth IRAs a matter of available money to save? Or, do you (plural) no longer qualify to contribute directly to a Roth IRA?
by pingo
Thu Jul 17, 2014 6:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with new 401K choices
Replies: 10
Views: 770

Re: Help with new 401K choices

Not an expert, here, but I may have some ideas. Is there any option to move the 401k to a Rollover IRA at Vanguard, rather than having to exchange assets into the new plan. It's a long shot, but sometimes one can do that. One problem: when I add up all the percents in the portfolio I get 83%. :( Whe...
by pingo
Thu Jul 17, 2014 6:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with new 401K choices
Replies: 10
Views: 770

Re: Portfolio Review - Recent Grad and BogleHead

After 1 post, welcome to the forum, JeremyPW ! You have a great 401k. Roth vs. Traditional : I feel the most comfortable when Roth contributions are made in the 15% federal bracket, except when a Roth IRA is being used to hold emergency savings which by necessity must be post-tax anyway. There are a...
by pingo
Thu Jul 17, 2014 2:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Recent Grad and BogleHead
Replies: 16
Views: 1540

Re: How to invest savings after maxing out retirement accoun

eiggub wrote:I’m currently maxing out my retirement plans (403b, Backdoor Roth, HSA, SEP IRA & taxable account) in Vanguard index funds with 20% of income. I also recently bought a home with previous savings to build equity and to get the mortgage interest deduction.
retiredjg wrote:A person with a SEP IRA should not be doing back door contributions to Roth IRA because the SEP IRA is involved in the tax calculation. Are there two of you?


I'm still curious about the answer to this one.
by pingo
Wed Jul 16, 2014 10:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to invest savings after maxing out retirement accounts?
Replies: 14
Views: 2707

Re: was Bogle right about ETFs?

You're doing good work, Larry and I thank you for the article and your contributions to this forum. I'll admit some of the verbage was confusing because it centered on what supposedly the ETFs did, versus their traders. For example: • Portfolio performance of the ETF user decreases as ETF usage incr...
by pingo
Wed Jul 16, 2014 7:55 pm
 
Forum: Investing - Theory, News & General
Topic: was Bogle right about ETFs?
Replies: 26
Views: 2847

Re: 401K Allocations 51 years old

Welcome to the forum, bbigg51 ! :D It is not clear whether we have a list of all available funds in the employer-sponsored retirement savings plan. If not, please list all options. You have only included expense ratios for the proposed fund setup. We need to see the expense ratios of each option in ...
by pingo
Wed Jul 16, 2014 10:11 am
 
Forum: Investing - Help with Personal Investments
Topic: 401K Allocations 51 years old
Replies: 7
Views: 1420

Re: Need Help with 401K Funds

(weighted average ER = 0.025% vs 0.11% for Lifepath) Yeah. There's no other word I can think of for a weighted ER of 0.025% than...well...scrumptious. Which will have strongest allure: rock-bottom pricing or simplicity with near-rock bottom pricing? I guess you already know on which side of the lin...
by pingo
Tue Jul 15, 2014 7:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Help with 401K Funds
Replies: 6
Views: 910

Re: 401k Advice: More Opinions

Sorry I'm late! You have received excellent advice and you have a great 401k to set up a 3 or 4 fund portfolio for her. I'm chiming in hopes that this post about the LifePath Index series offers a helpful perspective, along with how it relates to the Vanguard Target Retirement series and 3 or 4 fund...
by pingo
Tue Jul 15, 2014 2:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k Advice: More Opinions
Replies: 11
Views: 1315

Re: Need Help with 401K Funds

What hoppy08520 said. Seriously. You have a fantastic 401k, and your personal situation gives you the opportunity to keep things at their simplest. Here's a link to my post in another thread where I do my best to explain the LifePath Index series and it relates to the Vanguard Target Retirement seri...
by pingo
Tue Jul 15, 2014 1:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Help with 401K Funds
Replies: 6
Views: 910

Re: Portfolio Allocation and 401k questions

How does the tIRA come into play here? It doesn't anymore, mostly for reasons specified by Bob's not my name , and because we didn't know that the previous 401k is actually a Previous ROTH 401k . I think I will be fine on my emergency fund so what I'm gathering is just to roll it over into my curre...
by pingo
Tue Jul 15, 2014 9:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Allocation and 401k questions
Replies: 26
Views: 1950

Re: Portfolio Allocation and 401k questions

If this is a traditional 401k you're proposing to do a Roth conversion. The five-year rule on Roth conversions is confusing, but I believe it applies here and thus this would not make a good emergency fund. Thanks for catching that, Bob's not my name ! I mis-read OP's statement. I was thinking that...
by pingo
Mon Jul 14, 2014 3:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Allocation and 401k questions
Replies: 26
Views: 1950

Re: Pull-ups and Push-ups

Last week, I attended an excellent presentation by Howard Chen, MD, about physical activity preventing and fighting every chronic disease. In the context of this thread, it means that any effort is highly beneficial. One should not strive to become the most athletic Boglehead, if the alternative is...
by pingo
Mon Jul 14, 2014 1:22 pm
 
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 329
Views: 39366

Re: Portfolio Allocation and 401k questions

How did you decide on 56/24 for domestic/international stock? I didn't. You did. :wink: 80% Stock Allocation x 30% of stocks for International equities = 24% of the portfolio. I read the post on barbelling and it was extremely interesting. With your 3:1 ratio you're saying 15% in the long bonds and...
by pingo
Mon Jul 14, 2014 12:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Allocation and 401k questions
Replies: 26
Views: 1950

Re: Portfolio Allocation and 401k questions

For what it's worth, I'm siding with Bob's not my name . 401k all the way. :D That said, the emergency fund makes moot the debate between the 401k and Roth IRA, at least for a while. Using the Roth to hold emergency savings also uses emergency savings to save in a Roth, which hopefully makes both no...
by pingo
Sun Jul 13, 2014 7:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Allocation and 401k questions
Replies: 26
Views: 1950

Re: Vanguard Target Retirement 2055 Fund Investor Shares

As far as I'm concerned, there's nothing inherently superior about ETFs vs. traditional index funds (the benefit of one over the other is situational) and nothing inherently superior about constructing your own portfolio from ETFs vs. using the expertly-assembled portfolio of a Vanguard Target Retir...
by pingo
Sat Jul 12, 2014 11:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Retirement 2055 Fund Investor Shares
Replies: 14
Views: 1430

Re: Questions on my 401k options

Tamales wrote:Thanks Pingo, yes I'll work all those other aspects out on my own, and if I get stuck I'll ask a specific question.


:thumbsup



Also, my thanks to Grt2bOutdoors for the above link.
by pingo
Fri Jul 11, 2014 6:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Questions on my 401k options
Replies: 6
Views: 783

Re: Questions on my 401k options

BTW welcome to the forum! :D I found out that I can get out of the target date fund I'm in for my 401k and move to a limited few other options. What's wrong with the TD fund? It would be best if we could see all the right information in one spot per recommendations for asking portfolio questions . P...
by pingo
Fri Jul 11, 2014 10:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Questions on my 401k options
Replies: 6
Views: 783

Re: The Three Fund Portfolio

I'll second the above two posts. One doesn't have to move away from The Three Fund Portfolio to increase the risk/return profile of the portfolio: rather than adding EM, SV or whatever, one can merely increase the overall allocation to stocks in order to take on more risk. It's not perfect, it has i...
by pingo
Tue Jul 08, 2014 3:08 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 816
Views: 315660

Re: How to Allocate 401k with Company Stock

Big edits above. For example, I reversed the order of my suggestions. Sorry! :oops:
by pingo
Tue Jul 08, 2014 2:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to Allocate 401k with Company Stock
Replies: 13
Views: 1024

Re: How to Allocate 401k with Company Stock

Option 2 (lowest cost; simple enough) Her Schwab IRA (30%) 30% Schwab Total U.S. Stock (SWTSX) .09 His Vanguard Roth (21%) 20% Vanguard Total U.S. Stock - Admiral (VTSAX) .05 <--$3,667/yr. 01% Vanguard Total International - Investor (VGTSX) .22 <--$1,833/yr. Converts to (VTIAX) .14 @ $10k. His Vang...
by pingo
Tue Jul 08, 2014 2:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to Allocate 401k with Company Stock
Replies: 13
Views: 1024

Re: How to Allocate 401k with Company Stock

Option 1 (simplest; recommended) Her Vanguard IRA (30%) <--I moved this account to Vanguard. :happy 30% Vanguard Target Retirement 2030 (VTHRX) .17 His Vanguard Roth (21%) 21% Vanguard Target Retirement 2030 (VTHRX) .17 Her Vanguard Roth (15%) <--$5,500/yr. 15% Vanguard Target Retirement 2030 (VTHR...
by pingo
Tue Jul 08, 2014 2:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to Allocate 401k with Company Stock
Replies: 13
Views: 1024

Re: How to Allocate 401k with Company Stock

Well, I could have been clearer myself; Total Contributions His Roth-5.5k His 401k-4.5k <--Again, this is your 4% + the 2% match, or just your 4% contribution? :| His Company Stock-1.5k Sometimes the obvious eludes me, so forgive the bother. And don't worry about the figures, too much. They don't n...
by pingo
Tue Jul 08, 2014 11:00 am
 
Forum: Investing - Help with Personal Investments
Topic: How to Allocate 401k with Company Stock
Replies: 13
Views: 1024

Re: 401k Investment Options

Welcome to the forum, furlong.ce ! I have always been a fan of the Vanguard LifeStrategy Growth Fund, but unfortunately that is not an option . Good news! That statement is completely wrong where it matters most. :wink: Cue the drum roll... Fidelity Freedom® Index Income Fund - Class W Okay, that op...
by pingo
Tue Jul 08, 2014 4:01 am
 
Forum: Investing - Help with Personal Investments
Topic: 401k Investment Options
Replies: 4
Views: 413

Re: How to Allocate 401k with Company Stock

3. Right now our contributions will be limited to around $6000 into the 401k and $5500 to a Roth IRA. 5. Good question- It's an employee owned company so it's an ESOP included in the 401k. It can be bought and sold only once a year. It cannot be owned if you are not an employee. My 4% contribution ...
by pingo
Mon Jul 07, 2014 11:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to Allocate 401k with Company Stock
Replies: 13
Views: 1024

Re: Intermediate TIPS fund

I like abuss368's threads. :happy I think abuss368 is searching for something elusive, whether it's a satisfying assurance or some knowledge and perspective that is not commonly expressed. You don't always know what it'll be, but when you finally see it, everything falls into place. I, too, try to f...
by pingo
Sat Jul 05, 2014 6:09 pm
 
Forum: Investing - Theory, News & General
Topic: Intermediate TIPS fund
Replies: 22
Views: 2573

Video: The Best Time to Invest

I found this YouTube video called The Best Time to Invest that I think drives home that one invests despite expected (or un-) movements in the market. I hadn't seen it before, so I thought I'd share. It's creates a simple, powerful visual:

YouTube: The Best Time to Invest

Best wishes,

Pingo
by pingo
Sat Jul 05, 2014 11:48 am
 
Forum: Investing - Theory, News & General
Topic: Video: The Best Time to Invest
Replies: 2
Views: 341

Re: How to Allocate 401k with Company Stock

^ Edited to add question number 5, above.
by pingo
Sat Jul 05, 2014 2:39 am
 
Forum: Investing - Help with Personal Investments
Topic: How to Allocate 401k with Company Stock
Replies: 13
Views: 1024

Re: How to Allocate 401k with Company Stock

Welcome to the forum! May I say that what you have cobbled together in your various accounts is pretty darn good, considering. There can be changes to it to improve on costs, simplicity and to bring it further in line with your desired asset allocation, but a lot of really important stuff is already...
by pingo
Fri Jul 04, 2014 6:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to Allocate 401k with Company Stock
Replies: 13
Views: 1024

Re: Intermediate TIPS fund

[/quote]
feh wrote:What are folks thoughts on AIANX? It's available in my 401K and I'm thinking about taking a position in it...
pingo wrote:It might be a wee off-topic, but I would have no problem using AIANX if I simply had to have inflation-protected bonds. I haven't read much on the subject, but I *think* there is practically zero alpha to be had by active management in the inflation-protected bond arena, so costs are even more crucial. So, I could live with ER 0.26% if TIPS were a must-have or if I had to hold bonds in the 401k and AIANX were the most reasonable 401k bond option.
feh wrote:I'm considering it because I'm 2 years from retirement (when folks seem to think TIPS start to make sense), and I don't have any TBM funds in my 401K.


Those sound like perfectly good reasons to consider AIANX in your 401k. :beer
by pingo
Fri Jul 04, 2014 2:06 pm
 
Forum: Investing - Theory, News & General
Topic: Intermediate TIPS fund
Replies: 22
Views: 2573

Re: Intermediate TIPS fund

Edited below in red . What are folks thoughts on AIANX? It's available in my 401K and I'm thinking about taking a position in it... It might be a wee off-topic, but I would have no problem using AIANX if I simply had to have inflation-protected bonds. I haven't read much on the subject, but I *think...
by pingo
Thu Jul 03, 2014 6:59 pm
 
Forum: Investing - Theory, News & General
Topic: Intermediate TIPS fund
Replies: 22
Views: 2573

Re: Intermediate TIPS fund

I'm still invested in my employer-sponsored intermediate TIPS index fund by SSgA (ER 0.06%). I'm still ignoring it, too. It's still less than 4% of our entire portfolio. It's effective duration is 7 years and serves to provide Treasury-issued bonds to the mix I've cobbled together in my employer pla...
by pingo
Thu Jul 03, 2014 2:41 pm
 
Forum: Investing - Theory, News & General
Topic: Intermediate TIPS fund
Replies: 22
Views: 2573

Re: Fidelity customer with Vanguard envy

You've got the urge to open a vanguard account so you can see for yourself just what everyone else is complaining about? :D In reality, I'm a happy Vanguard customer so far, but why ask questions to which you have already proposed the answer? 3) Impulse is your enemy … 5) Stick to simplicity 6) Stay...
by pingo
Thu Jul 03, 2014 10:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity customer with Vanguard envy
Replies: 13
Views: 1272

Re: Starting Retirement Investment in a Bull Market

It's none of my business and I mean no disrespect, but has your dad ever been known to be a successful investor? Has he ever read a book on investing? What was he saying during the market crash of 2008-2009? Did he exit? Did he get back in? When? Obviously, if he successfully navigated the crisis an...
by pingo
Wed Jul 02, 2014 10:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Starting Retirement Investment in a Bull Market
Replies: 21
Views: 1817

Re: The Three Fund Portfolio

Per Taylor's gentle reminder above (if not rebuke), I have edited my last post. I hope it conforms a little better to the topic at hand. His thread, his rules. My intent was to not come off as "market-timey", but I may have done so.

Regardless, I like it better now.

:beer
by pingo
Thu Jun 26, 2014 9:15 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 816
Views: 315660

Re: Help with my 401K choice - Want aggressive growth

What Livesoft said. Both times. I'll note that "aggressive growth" sounds like vague Dave Ramsey-speak. It's not a criticism, but it might be helpful if we knew where you are coming from because we might have to help you work out the difference between the concept of growth stock-style fun...
by pingo
Tue Jun 24, 2014 11:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with my 401K choice - Want aggressive growth
Replies: 8
Views: 751

Re: The Three Fund Portfolio

Edited in attempt to not lose too much focus: fopa17 , The link of your inquiry serves to distract and confuse investors, offering no worthwhile plan with which to navigate the crisis it contemplates. Besides, will acting on its warnings turn those warnings into self-fulfilling *or* self-defeating ...
by pingo
Tue Jun 24, 2014 5:34 am
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 816
Views: 315660

Re: Insight appreciated on where to put savings. 35yrs old 3

In the process of researching I found some people offering courses that teach you how to trade. We tend use the word research too loosely. You were searching and trying to get oriented, which is precisely what you should be doing. The individuals selling those courses are not implementing academic ...
by pingo
Tue Jun 17, 2014 2:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Insight appreciated on where to put savings. 35yrs old 30k
Replies: 13
Views: 1127

Re: Age in Bonds (The Bogle Rule)

Age in bonds seems to be one of those rules that has been widely adopted without ever having been subject to serious scientific scrutiny. It runs contrary to the findings of Nobel prize winning economists Samuelson and Merton who proved that for individuals having a constant relative risk aversion ...
by pingo
Sun Jun 08, 2014 1:00 pm
 
Forum: Investing - Theory, News & General
Topic: Age in Bonds (The Bogle Rule)
Replies: 135
Views: 10938

Re: Age in Bonds (The Bogle Rule)

`Age in Bonds' is a concept , with no need to take it literally. The concept is to reduce risk exposure as you get older. In terms of all the ways this can be done, and all the considerations that can be made, I don't think `Age in Bonds' should have any special status. Perhaps I've misunderstood, ...
by pingo
Sun Jun 08, 2014 12:33 am
 
Forum: Investing - Theory, News & General
Topic: Age in Bonds (The Bogle Rule)
Replies: 135
Views: 10938
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