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Re: portfolio turnover

Why does Vanguard Total Bond Market Index Fund (VBMFX) have such a high turnover (74%) and is this a red flag? Do bond indexes traditionally have such high turnover? How does affect tax on returns? Thanks Similar bond funds have over 200% turnover, Fidelity and PIMCO to name two. These bond funds a...
by pkcrafter
Wed Aug 20, 2014 10:18 pm
 
Forum: Investing - Theory, News & General
Topic: portfolio turnover
Replies: 3
Views: 286

Re: Newbie - Please evalute my allocation

Welcome, sorry to answer your question with questions, but.... You wanted an AA of 70/30, but the TR 2040-45 funds are 90% stock and your individual Roth is 70%. What's the max you can put into the individual 401k? In the 25% tax bracket, I wonder of it's wise to ignore the tax savings of using trad...
by pkcrafter
Wed Aug 20, 2014 2:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie - Please evalute my allocation
Replies: 6
Views: 327

Re: Retirement Planning

What % of assets will you be withdrawing first year of retirement? What % of assets will you be withdrawing after starting SS? What tax bracket will you be in? I'm asking because I'm having a hard time justifying converting to Roths while in the 25% tax bracket.

Paul
by pkcrafter
Wed Aug 20, 2014 1:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Planning, Conversions, SS, RMDs
Replies: 4
Views: 480

Re: Do we plunder our retirement to pay off student debt?

Part of deciding on the best overall plan is posting what you are now holding in the 401k and what low cost options you have. I would not use a 401k loan as an option in any pay-off strategy. Do you have an emergency fund? I'm mentioning these things because there is a big opportunity cost when usin...
by pkcrafter
Wed Aug 20, 2014 1:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do we plunder our retirement to pay off student debt?
Replies: 26
Views: 1708

Re: Vanguard as Very Long Term Stock Broker?

This strikes me as a very unusual thread. When I read the OP, I thought the replies would be about the folly of buying individual stocks and being on the wrong forum. Instead, all replies were on what is the best for trading stocks. When did we change? I'm confused. :confused

Paul
by pkcrafter
Tue Aug 19, 2014 12:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard as Very Long Term Stock Broker?
Replies: 18
Views: 1445

Re: Convincing fears on investing for now?

Ki_poorrichard, take a look at this article on market volatility. It should be clear that there is always something on the radar that will upset the apple cart. Dealing with this stuff is part of investing--the market is volatile and unpredictable. The best you can do is simply accept the buffeting ...
by pkcrafter
Tue Aug 19, 2014 12:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Convincing fears on investing for now?
Replies: 34
Views: 3076

Re: An Honest Stock Market Update

Thanks, brrrrillaint market report.

Paul
by pkcrafter
Mon Aug 18, 2014 5:33 pm
 
Forum: Investing - Theory, News & General
Topic: An Honest Stock Market Update - A good laugh
Replies: 17
Views: 2866

Re: Is the small cap value premium real?

William Sharpe's view, 1998, Revisiting the Capital Asset Pricing Model. Interview with Johnathan Burton. Maybe in an efficient market, small stocks would do better because they're illiquid, and people demand a premium for illiquidity That gets to be less compelling if you start thinking about mutua...
by pkcrafter
Mon Aug 18, 2014 12:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is the small cap value premium real?
Replies: 19
Views: 2155

Mutual Fund Expenses and Fees

Report from Investment Company Fact Book 2014 -- Trends in Mutual Fund Expenses

http://www.icifactbook.org/fb_ch5.html

Be sure to look at Ch 2, Recent Mutual Fund Trends. Links on left side of page.



Paul
by pkcrafter
Mon Aug 18, 2014 12:55 am
 
Forum: Investing - Theory, News & General
Topic: Mutual Fund Expenses and Fees
Replies: 1
Views: 424

Re: Is PIMCO Bond fund 50% cash?

Well, in that case, this messes up my AA. I'm too young to hold this much cash. No, it's not your cash and it doesn't have the safety of your cash. It's under the control of the bond fund manager, and can disappear in a flash. Count this as just part of the bond fund. Do the same with stock funds t...
by pkcrafter
Sun Aug 17, 2014 11:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is PIMCO Bond fund 50% cash?
Replies: 23
Views: 2242

Re: Spouse not ready to cut ties with financial advisers

Fees and Fund choices are a big deal, but as the first word in your title is "Spouse" I think that's really really the most important consideration. 1. Do you really have "his" and "hers" money? I don't mean legally, or who earned it, I mean emotionally. I would start ...
by pkcrafter
Sun Aug 17, 2014 8:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Spouse not ready to cut ties with financial advisers
Replies: 94
Views: 5834

Re: Help with posting my questions newbie

Thank you all for your advice and reply's. I have edited this initial post, including changing some assets. Thanks for adding the additional information. Questions: a. Do you think that my allocations are o.k. or should I do a more conservative 60/40 portfolio? b. Would you recommend that I go with...
by pkcrafter
Sun Aug 17, 2014 3:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with posting my questions newbie
Replies: 14
Views: 1141

Re: Spouse not ready to cut ties with financial advisers

Regarding the bond issue. We do have some bonds in the trust. But the lack of bonds is mostly my doing. I pushed to ditch the majority of the bond holdings so that we could be weighted to stocks on the upswing. I did that in 2010. Like I said, I tend to be a lot more aggressive than my husband (I t...
by pkcrafter
Sun Aug 17, 2014 2:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Spouse not ready to cut ties with financial advisers
Replies: 94
Views: 5834

Re: When Can I Retire?

Follow the link dbr has provided, but just as a rough overview, here's some thoughts. First, when you begin withdrawing, you have to add in all costs, including taxes, so your withdrawals will be higher than 80k. 80k will give you a withdrawal rate of ~3%, but the actual rate will be a little higher...
by pkcrafter
Sun Aug 17, 2014 12:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: When Can I Retire?
Replies: 5
Views: 814

Re: Spouse not ready to cut ties with financial advisers

Miakis, unless I missed something, it looks like you are 100% stock, and on top of that, all the funds but two carry higher risk than the total market fund, and you also have individual tech stocks. In other words, your portfolio is very aggressive and high risk. The portfolio is growth oriented and...
by pkcrafter
Sun Aug 17, 2014 12:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Spouse not ready to cut ties with financial advisers
Replies: 94
Views: 5834

Re: Spouse not ready to cut ties with financial advisers

Miakas, you should be getting a break on the fee with that much under management. A personal relationship with the person handling your money is never good. It's doubtful that you are paying the loads on funds, but find out for sure. You've said enough for me to recommend moving to another advisor. ...
by pkcrafter
Sat Aug 16, 2014 9:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Spouse not ready to cut ties with financial advisers
Replies: 94
Views: 5834

Re: Finished BogleHeads Guide, Suggestions?

bobble, I haven't read the revised edition of the Bogleheads Guide, but I can assure you that the fundamentals are the same. That is the beauty of the Boglehead style of investing. For something to read now, I suggest to start reading the Wiki. Here's a link to getting started. From there, go to Inv...
by pkcrafter
Sat Aug 16, 2014 8:20 pm
 
Forum: Investing - Theory, News & General
Topic: Finished BogleHeads Guide, Suggestions?
Replies: 7
Views: 669

Re: Why would a passive investor use ETFs?

Shredder, you ask a good question, and you also provide one common answer: "My main use for it at this point is because I don't have enough in my Roth to buy into the Spartan funds yet and i'd just like to know if I should continue on the ETF path and even convert my Rollover to ETF or if I sho...
by pkcrafter
Sat Aug 16, 2014 4:46 pm
 
Forum: Investing - Theory, News & General
Topic: Why would a passive investor use ETFs?
Replies: 60
Views: 3648

Re: Business Insider: The Stock Market Could Drop 50% Tomor

baw703916 wrote:Tomorrow's Sunday.

Ah, we are spared. :happy
by pkcrafter
Sat Aug 16, 2014 3:52 pm
 
Forum: Investing - Theory, News & General
Topic: Business Insider: The Stock Market Could Drop 50% Tomorrow
Replies: 14
Views: 2174

Re: Vanguard Index vs American Funds?

goose is correct, there are no loads with >1M in assets. Goose, just be aware of this: There is no initial sales charge on purchases of $1 million or more. A 1% contingent deferred sales charge (CDSC) may be assessed if a redemption occurs within one year of purchase. https://www.americanfunds.com/f...
by pkcrafter
Sat Aug 16, 2014 2:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Index vs American Funds?
Replies: 33
Views: 3060

Re: Avoiding the 3.8% medicare tax - when does it make sense

Maybe there is something here that will help. http://www.marketwatch.com/story/sidestep-the-new-medicare-tax-on-investment-income-2013-10-08 You didn't mention how much money this represents or your tax bracket, but it would seem that you should be worried about paying the 15% tax on long term gains...
by pkcrafter
Sat Aug 16, 2014 1:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: [when to sell funds if capital gains trigger Medicare tax?]
Replies: 12
Views: 788

Re: 100% lifestrategy - good idea for a hands-off investor?

He isn't interested?? I see money management as a responsibility. It seems he was at least aware enough to sense he was paying too much for management, or maybe more accurately, he is not happy with the growth of assets, which he's probably comparing to recent total market returns. If he's not willi...
by pkcrafter
Sat Aug 16, 2014 12:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: 100% lifestrategy - good idea for a hands-off investor?
Replies: 28
Views: 3188

Re: Are these [401k] options terrible?

odradekisch, I agree with others that you need to find out how the AMC fees are paid. Is your company one of those that may be exempt from ERISA? I think you could ask if the plan is under ERISA. If so, there has to be at least one person who is the designated fiduciary. The fact that some Vanguard ...
by pkcrafter
Sat Aug 16, 2014 11:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Are these [401k] options terrible?
Replies: 28
Views: 1956

Re: Need Advice RE Investment Advisor...or not

Stonewall, I think in order to provide the most useful advice we need more information. What is your track record? Give us an idea of what happened. . Were you investing on your own, or did you have an advisor? What type of accounts is the 925k in and how long has it been in cash. Finally we need an...
by pkcrafter
Fri Aug 15, 2014 8:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Advice RE Investment Advisor...or not
Replies: 10
Views: 729

Re: “The more I learn, the more I realize how much I don't k

I see no reason to increase equity now. I would hold at 60-70% equity until settled into retirement. “The more I learn, the more I realize how much I don't know" Keep at it and maybe at some point you will say "the more I learn, the more I realize the less I need to know." :happy Some...
by pkcrafter
Fri Aug 15, 2014 9:47 am
 
Forum: Investing - Help with Personal Investments
Topic: “The more I learn, the more I realize how much I don't know"
Replies: 18
Views: 1906

Re: young Index Funds

There is also a Spartan Mid-cap index fund, but no Spartan growth funds. Most here would recommend either the blend or value fund. There are no Spartan value funds either, so your only choice is small or mid blend. Small blend would be a good choice.

Paul
by pkcrafter
Thu Aug 14, 2014 10:36 pm
 
Forum: Investing - Theory, News & General
Topic: young Index Funds
Replies: 7
Views: 760

Re: TIPS: a separate Bond category?

In the absence of "stress" TIPS are expected to behave like nominal Treasuries without the risk of unexpected inflation increases. Therefore the main advantage of TIPS over nominal Treasuries is that you are able to lock in attractive long term real rates without taking on the added infla...
by pkcrafter
Thu Aug 14, 2014 10:17 pm
 
Forum: Investing - Theory, News & General
Topic: TIPS: a separate Bond category?
Replies: 13
Views: 1338

Re: 401k Disbursement Fee?

Exit fees are quite common with a lot of brokerages and investment firms. If the funds are high cost and no other reason to hold, pay the fee and exit. If the company is reliable and the plan solid, you might decide to stay because of the possible advantage of higher asset protection in the 401k tha...
by pkcrafter
Thu Aug 14, 2014 8:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k Disbursement Fee?
Replies: 6
Views: 384

Re: Tangible vs Intangibles when choosing an investment comp

toto238 wrote: Intangible factors may be: Friendliness of people who work there Level of trust you feel for that institution/individual Social relationship you have with an advisor/broker Philosophy of firm you're working with People you trust recommended it/them Toto, these intangible factors don't...
by pkcrafter
Thu Aug 14, 2014 8:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tangible vs Intangibles when choosing an investment company
Replies: 18
Views: 750

Re: Help with posting my questions newbie

I want to avoid emotional decisions when I see one account really underperform. I lost a lot in 2008, due to my advisor. We just made it up last year. I don't think I could take another hit like that. Of course we were in 100% equities for the most part Your first post is pretty hard to follow, and...
by pkcrafter
Thu Aug 14, 2014 8:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with posting my questions newbie
Replies: 14
Views: 1141

Re: Are these [401k] options terrible?

How long do you expect to stay with this employer? Even a terrible plan won't cost you that much if you roll the money over to an IRA when you change employers. To add to what Grabiner said, some plans allow you to transfer funds out to an IRA after two years, so check on that too. I noticed the Va...
by pkcrafter
Thu Aug 14, 2014 2:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are these [401k] options terrible?
Replies: 28
Views: 1956

Re: Good Harbor and F-Squared

Here's some tickers for Good Harbor funds, but I think you are right, they have to be purchased though an affiliated advisor. http://ghf-funds.com/ I'm not sure on F-squared, but I think they are also only through an advisor. Here's one of their funds through Virtus. http://quotes.morningstar.com/fu...
by pkcrafter
Thu Aug 14, 2014 11:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Good Harbor and F-Squared
Replies: 16
Views: 737

Re: Redemption Fee Credit

Am I the only one lucky enough to have such a windfall? Bud, I read your OP and wondered what this was all about. Sounds a little scary. Have you checked all your account balances to insure there have been no withdrawals? Did you make a withdrawal from a retirement account? Have you contacted Vangu...
by pkcrafter
Wed Aug 13, 2014 10:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Redemption Fee Credit
Replies: 3
Views: 512

Re: How to ensure military members don't get ripped off

Thanks for the responses. I have contacted my own senators & representatives, and I plan to call the Senate and House Armed Services Committees tomorrow. I have contacted the same folks in the past to complain about for-profit colleges targeting young people separating from the military and eve...
by pkcrafter
Wed Aug 13, 2014 2:18 pm
 
Forum: Investing - Theory, News & General
Topic: How to ensure military members don't get ripped off
Replies: 71
Views: 4137

Re: Liberated from Fidelity PAS at work - now what

Putting everything into one of the Fidelity target retirement funds (Freedom fund) wouldn't be a bad choice. Although fidelity freedom funds have the advantage of being hands-off, they are filled with high ER funds you likely wouldn't want to own. I'd advise against them. TAIX, the fund choices LMD...
by pkcrafter
Wed Aug 13, 2014 1:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Liberated from Fidelity PAS 401k - now what
Replies: 15
Views: 1320

Re: Need Advice!

Welcome, An emergency fund is normally used in case of an unexpected expense and as a back-up if you lose your job. It's main purpose is to avoid having to tap money marked for retirement. In retirement, emergency funds can only come from the assets available. In your case, you do have income, but i...
by pkcrafter
Wed Aug 13, 2014 1:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Advice!
Replies: 4
Views: 574

Re: Help finding Prudential Funds similar to Vanguard TSMI

He's looking to find something as close as possible to Vanguard's Total Stock Market Index paired with Vanguard's Total International Stock Market Index in a 70/30 split, I'm looking over some of the fund choices, but this is confusing. You said your friend is very risk averse, so it's surprising h...
by pkcrafter
Tue Aug 12, 2014 4:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help finding Prudential Funds similar to Vanguard TSMI
Replies: 11
Views: 998

Re: How to ensure military members don't get ripped off

I think the title of the article is a bit misleading. In this case, no one was lured. If someone calls a bank or brokerage and asks what he should do with his retirement money, he will get the expected answer. As to military personnel not being educated, they aren't less educated than average invest...
by pkcrafter
Tue Aug 12, 2014 4:08 pm
 
Forum: Investing - Theory, News & General
Topic: How to ensure military members don't get ripped off
Replies: 71
Views: 4137

Re: Does domestic over weighting qualify as active managemen

The LifeStrategy funds are in line with Vanguard's findings on optimal international allocation. I guess you could say it an active choice based on research.

Paul
by pkcrafter
Mon Aug 11, 2014 5:20 pm
 
Forum: Investing - Theory, News & General
Topic: Does domestic over weighting qualify as active management?
Replies: 26
Views: 1205

Re: Do I need a small cap index if I already have total mark

Thomas, it looks like you are getting things smoothed out. Here's a link to the Vanguard study, which is a good read, but you can skim a lot of it. https://personal.vanguard.com/pdf/icriecr.pdf I told you I cannot contribute to my brokerage account holding the index funds (because I can't afford too...
by pkcrafter
Mon Aug 11, 2014 4:56 pm
 
Forum: Investing - Theory, News & General
Topic: Do I need a small cap index if I already have total market ?
Replies: 58
Views: 5329

Re: Dave Ramsey still defending 12% and still angry at "nerd

How does bad advice make it easier to stay the course? Understanding behavioral aspects makes it easier to stay the course. Example 1. Paying down debts from smallest to largest (snowball method) rarely makes mathematical sense. However, by getting a few "quick wins" by paying down those ...
by pkcrafter
Mon Aug 11, 2014 2:47 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey still defending 12% and still angry at "nerds"
Replies: 194
Views: 22307

Re: Understanding implications of Shiller CAPE on retirement

Understanding implications of Shiller CAPE on retirement Summary: market timing is highly unreliable, and anyone who has been here a week knows that. The problem for new retirees isn't CAPE; it's market sequence of returns. CAPE may tell you valuations are high, but it doesn't tell you the all impo...
by pkcrafter
Mon Aug 11, 2014 2:16 pm
 
Forum: Investing - Theory, News & General
Topic: Understanding implications of Shiller CAPE on retirement
Replies: 27
Views: 2293

Re: Dave Ramsey still defending 12% and still angry at "nerd

M to the G, You are right that the thread is not progressing at this point, but here's another look at your OP. I think your summary is on target. Debt advice is good, investing advice is focused on the clueless. In the link I provided above, we see that Dave recommends all individual investors use ...
by pkcrafter
Mon Aug 11, 2014 12:34 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey still defending 12% and still angry at "nerds"
Replies: 194
Views: 22307

Re: Dave Ramsey still defending 12% and still angry at "nerd

The numbers are completely unrealistic.Regardless of the good he's done with debt, the 12% claim and 8% claim are totally deceptive and irresponsible. I don't see how anyone can come to a different conclusion. The Dave defense is sort of like claiming Clyde Barrow was a good man except for robbing ...
by pkcrafter
Mon Aug 11, 2014 12:13 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey still defending 12% and still angry at "nerds"
Replies: 194
Views: 22307

Re: Left Tail Smackdown*: Larry vs. Permanent Portfolio

Hey Browser, you certainly win for most compelling post title. 8-)

The Larry Wins the WWTRS :!: :!: :!: . WWTRS = World Wide Tail-Risk Smackdown. Pass the belt.

Paul
by pkcrafter
Mon Aug 11, 2014 11:41 am
 
Forum: Investing - Theory, News & General
Topic: Left Tail Smackdown*: Larry vs. Permanent Portfolio
Replies: 15
Views: 2394

Re: Do I need a small cap index if I already have total mark

Current Allocation: Stocks (71% of portfolio) VTSMX =30% (if I add my TSP account will be 42% total market) VISVX = 15% Do I need this small cap fund? <--No, you do not need it. You can use just the S fund in the TSP for all small/mid cap. Note that if/when you sell, you will incur capital gains ta...
by pkcrafter
Mon Aug 11, 2014 10:28 am
 
Forum: Investing - Theory, News & General
Topic: Do I need a small cap index if I already have total market ?
Replies: 58
Views: 5329

Re: Question re: 10-year cumulative costs of initial investm

Joe, my copy of Common Sense, New Perspectives.. was published in 1999. In your first example on costs, I found the information on page 74. On your example of equity fund comparisons, you quoted pages 174-175. In the book I have, those pages are in the middle of Ch 7 on bonds. So far, I haven't been...
by pkcrafter
Sun Aug 10, 2014 10:14 pm
 
Forum: Investing - Theory, News & General
Topic: Question re: 10-year cumulative costs of initial investment
Replies: 14
Views: 1123

Re: Do I need a small cap index if I already have total mark

Ok, I inherited the investments from my family. No cash, all was inherited investments in the stock market and U.S. Savings Bonds EE. I've had the investments for about 5 years. I will go back and edit the first post and include the TSP like you suggest. I also want to reduce the Vanguard internati...
by pkcrafter
Sun Aug 10, 2014 1:05 pm
 
Forum: Investing - Theory, News & General
Topic: Do I need a small cap index if I already have total market ?
Replies: 58
Views: 5329
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