Search found 8985 matches

by pkcrafter
Wed Jul 01, 2015 7:30 am
Forum: Investing - Help with Personal Investments
Topic: As a couple in late 30s, how bad are we doing?
Replies: 57
Views: 8339

Re: As a couple in late 30s, how bad are we doing?

S&S, Ruralavelon, I mentioned this on the first page, but you must have missed it -- In the OP, S&S says this: 100% Husband's 401 is invested in Fidelity Freedom® Index 2040 (FBIFX) (Gross 0.24% Net 0.16%) This is a TR fund that uses Spartan index funds, and it's a good choice although ~87% ...
by pkcrafter
Tue Jun 30, 2015 4:07 pm
Forum: Investing - Help with Personal Investments
Topic: Help! Elderly father got snookered.
Replies: 28
Views: 3693

Re: Help! Elderly father got snookered.

My dad finally has money for the first time in his life. He's decided to invest it rather than spend it, which is good, but to do that he walked into a bank and asked for advice. :shock: He ended up in two Franklin Templeton mutual funds that are mostly stocks, which are inappropriate at his age. T...
by pkcrafter
Tue Jun 30, 2015 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity promotional offer for moving IRA
Replies: 7
Views: 745

Re: Fidelity promotional offer for moving IRA

I just noticed this on Fido's page. Move your IRA to Fidelity and they will match your contributions up to 10% for 3 years based on the size of your account. Not a huge deal, but it may be of interest to some. https://rewards.fidelity.com/offers/iramatch Max contribution is %1,950. That is a 10% ma...
by pkcrafter
Tue Jun 30, 2015 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: Help! Elderly father got snookered.
Replies: 28
Views: 3693

Re: Help! Elderly father got snookered.

Banks are really bad choices for investing. The "help" seems minimally qualified, fiduciary responsibility questionable, and focused on what they can generate for their employer. Using a bank is the same as going through an unnecessary third party that you have to pay in order to invest. S...
by pkcrafter
Tue Jun 30, 2015 1:15 pm
Forum: Investing - Help with Personal Investments
Topic: How do you Lazy portfolio funders deal with dips in the market?
Replies: 60
Views: 4069

Re: How do you Lazy portfolio funders deal with dips in the market?

I didn't loose even a penny today... because I didn't sell anything :) To those who think this is wrong, it is a positive way to view things if it helps resist an urge to sell, so I say good idea. There is no loss of shares, only a paper loss in the price of those shares. It could also be called a ...
by pkcrafter
Tue Jun 30, 2015 10:45 am
Forum: Investing - Help with Personal Investments
Topic: First Job, First 401k Help!
Replies: 5
Views: 614

Re: First Job, First 401k Help!

Yes, Columbia Mid Cap is your best choice, but when you max the 401k you won't have enough room in the IRAs/taxable to build your portfolio, so I would consider MSF Core Research for large cap in a 75% large/25% mid mix. This will approximate total stock market. You might also consider some JPM Core...
by pkcrafter
Tue Jun 30, 2015 9:21 am
Forum: Investing - Help with Personal Investments
Topic: As a couple in late 30s, how bad are we doing?
Replies: 57
Views: 8339

Re: As a couple in late 30s, how bad are we doing?

How much are you able to contribute to each account? In his 401k are Fidelity Spartan funds offered? In her 401k, can you please give full names and tickers for these funds? DRF STOCK INDEX (0.53) FID VIP CONTRAFUND (0.64) FID VIP EQUITY INC (0.56) FID VIP GR&INC (0.59) FID VIP GROWTH (0.66) FR...
by pkcrafter
Tue Jun 30, 2015 8:48 am
Forum: Investing - Help with Personal Investments
Topic: Savings plan "pivot"
Replies: 17
Views: 1610

Re: Savings plan "pivot"

At your age and being single, you should be able to save at least 10% of income without scrimping, and it should be saved in retirement accounts. You want to capture as much of the compounding effect you can, so get the money working now and cut back later. I can't imagine you won't have enough left...
by pkcrafter
Tue Jun 30, 2015 8:22 am
Forum: Investing - Help with Personal Investments
Topic: VDE lacking clean energy
Replies: 26
Views: 1140

Re: VDE lacking clean energy

Five solar energy funds. The first 3 are very small, and the last two are large cap.

http://moneymorning.com/2014/05/04/five ... -to-shine/


Paul
by pkcrafter
Tue Jun 30, 2015 8:00 am
Forum: Investing - Help with Personal Investments
Topic: What stocks have you been buying recently and why? Or are you holding off on buying until Greek crisis settles?
Replies: 21
Views: 1926

Re: What stocks have you been buying recently and why? Or are you holding off on buying until greek crisis settles?

gkaplan wrote:Isn't Greek a proper noun?


Not right now, no. It's not 5 Letter word either, it is currently a 4 letter word.

Paul
by pkcrafter
Mon Jun 29, 2015 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: How do you Lazy portfolio funders deal with dips in the market?
Replies: 60
Views: 4069

Re: How do you Lazy portfolio funders deal with dips in the market?

Jay, lazy portfolios are usually more complex than a regular 3 fund portfolio, so they are not so lazy and may require more maintenance. I don't have a lazy portfolio, but here is how I rebalance, and only once or twice a year--March and November. For allocations 20% or greater: When asset classes d...
by pkcrafter
Mon Jun 29, 2015 2:12 pm
Forum: Investing - Help with Personal Investments
Topic: No bonds?? All Equity portfolio in 20s
Replies: 73
Views: 8042

Re: No bonds?? All Equity portfolio in 20s

Funny how we can see this for bonds, but not for stocks. Who is "we"? Given the present day high prices for stocks, I have no expectation that stock returns will be as high in the future as they have been in the past. Avi What? You mean you aren't selling those risky bonds for the safety ...
by pkcrafter
Mon Jun 29, 2015 1:58 pm
Forum: Investing - Help with Personal Investments
Topic: 401k and high er fees
Replies: 8
Views: 526

Re: 401k and high er fees

Check the plan against peers here Brightscope http://www.brightscope.com/ You have a far better chance of improvement if the plan is covered by ERISA, but if it is, it will usually already include at least a few low cost funds to insure compliance. If not covered by ERISA, then the best approach is ...
by pkcrafter
Sun Jun 28, 2015 5:36 pm
Forum: Investing - Theory, News & General
Topic: Good Summary of Boglehead Philosophy
Replies: 3
Views: 749

Re: Good Summary of Boglehead Philosophy

Thanks, AZMax, for the excellent Boglehead style article by Morgan Housel. You may be able to access the article one time by clicking on the Google link here: Four Things the Stock Market has Taught Me. https://www.google.com/search?q=Morgan+Housel+We+have+an+urge+to+overcomplicate+things&ie=utf...
by pkcrafter
Sun Jun 28, 2015 9:10 am
Forum: Investing - Help with Personal Investments
Topic: As a couple in late 30s, how bad are we doing?
Replies: 57
Views: 8339

Re: As a couple in late 30s, how bad are we doing?

OP, check both 401k plans and then list what's available--fund name, ticker, and expense ratio. If choices are mostly high cost, then just list the lower cost options. Also list your current holdings. Once you know what choices to use, you can use maybe half of the cash you have on hand to fund the ...
by pkcrafter
Sun Jun 28, 2015 8:13 am
Forum: Investing - Help with Personal Investments
Topic: No bonds?? All Equity portfolio in 20s
Replies: 73
Views: 8042

Re: No bonds?? All Equity portfolio in 20s

Since the period from 1971 has been a period of falling interest rates, I don't think we should expect the same return from long term government bonds in the future.

Funny how we can see this for bonds, but not for stocks.

Paul
by pkcrafter
Fri Jun 26, 2015 9:58 am
Forum: Investing - Theory, News & General
Topic: Did 2008 change your investing strategy?
Replies: 58
Views: 4608

Re: Did 2008 change your investing strategy?

ajacobs, you may be asking the wrong question. If you asked how many people sold during the crash you might get a very different picture if those who did would admit it, but they won't, so don't bother asking. What you really need to understand is if exceed your real tolerance and panic you will do ...
by pkcrafter
Fri Jun 26, 2015 9:07 am
Forum: Investing - Theory, News & General
Topic: Will stocks beat bonds over next 30 years?
Replies: 78
Views: 8633

Re: Will stocks beat bonds over next 30 years?

lazyday wrote: pkcrafter wrote: As for 30 years of stocks underperforming bonds, it's almost an impossibility and would require a complete collapse of the economic system. If two of the three realistic scenarios below happen, bonds could easily outperform for 30 years without a collapse: (1) CAPE i...
by pkcrafter
Fri Jun 26, 2015 7:56 am
Forum: Investing - Help with Personal Investments
Topic: Would you move your 401k to new employer?
Replies: 10
Views: 1002

Re: Would you move your 401k to new employer?

I'd by inclined to move to the current 401k. As for much more complicated, it might depend on what you're holding in the Roth.

Paul
by pkcrafter
Thu Jun 25, 2015 7:07 pm
Forum: Investing - Help with Personal Investments
Topic: Best Advice [Best single piece of advice to give a new investor]
Replies: 56
Views: 4367

Re: Best Advice [Best single piece of advice to give a new investor]

Well 2958, looks like you've received the best single piece of advice for a new investor. :happy Might keep you busy for awhile.

Paul
by pkcrafter
Thu Jun 25, 2015 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: VASGX vs VSCGX vs cash AND bond risk
Replies: 5
Views: 524

Re: VASGX vs VSCGX vs cash AND bond risk

lextoy, your post shows that you are using emotions as your investment guide and they are conflicting as well, and that is not a good thing to do. So, what you need to do now is get grounded, come up with a reasonable plan, and write and investment policy statement (a contract). http://www.boglehead...
by pkcrafter
Thu Jun 25, 2015 8:46 am
Forum: Investing - Help with Personal Investments
Topic: Re-evaluating Managed Portfolio
Replies: 15
Views: 1855

Re: Re-evaluating Managed Portfolio

You are really getting ripped off. I hope you are getting the load break on the A shares, but this advisor is collecting fees off the 1% 12b-1 fees in the B and C shares, and he's charging a management fee on top of that. :confused . I've never seen this before. These loads are supposed to cover man...
by pkcrafter
Wed Jun 24, 2015 9:54 pm
Forum: Personal Consumer Issues
Topic: Money arguments with spouse and how did you resolve
Replies: 64
Views: 6405

Re: Money arguments with spouse and how did you resolve

Ok, you don't want advice, but I will point this out. Someone who gets in a bind like this does not know how to handle money--no emergency fund, no reserves--so you and spouse can gift the money, but you better discuss now what you will or will not do next time.

Paul
by pkcrafter
Wed Jun 24, 2015 6:42 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation for TSP
Replies: 12
Views: 998

Re: Allocation for TSP

Starguru, Here's some information on the TSP, including how to match total market. I think you are correct on the Roth Rollover. If it was from a company plan, yes, but not an Individual Roth. Very tough to beat the G fund. 80% stock is pretty aggressive, is your wife's risk and loss tolerance high?...
by pkcrafter
Wed Jun 24, 2015 12:51 pm
Forum: Investing - Theory, News & General
Topic: investment education/research
Replies: 8
Views: 621

Re: investment education/research

I've read bogleheads and random walk on wallstreet and both seem to indicate that the best strategy for most people is to invest in index funds, making sure to get the right ration of stocks/bonds depending on age. The right AA (asset allocation) is not based on age as much as it is on the amount o...
by pkcrafter
Wed Jun 24, 2015 10:46 am
Forum: Investing - Help with Personal Investments
Topic: Reducing BND before rate increases
Replies: 34
Views: 3068

Re: Reducing BND before rate increases

Another book recommendation:

Boglehead, Rick Van Ness, Why Bother With Bonds


Paul
by pkcrafter
Wed Jun 24, 2015 10:42 am
Forum: Investing - Help with Personal Investments
Topic: Reducing BND before rate increases
Replies: 34
Views: 3068

Re: Reducing BND before rate increases

How much do you now have in bonds (%) and what is the duration? Paul AA is 25% bond, all in intermediate, two funds: BND(Total US Bond) and VCIT(Corp. Intermediate Term). David, you are mid 50's and 75/25 and you are concerned about some dip in bond prices. If retirement is scheduled in the next 10...
by pkcrafter
Wed Jun 24, 2015 8:57 am
Forum: Investing - Theory, News & General
Topic: Small Cap Index - What % of equities?
Replies: 74
Views: 6620

Re: Small Cap Index - What % of equities?

I did the X-Ray on Morningstar. I have a 20% tilt to small caps. Here is what it looks like with the style box: Large - -23 - 22 -20 Medium 8 - 7 - 6 Small -- 6 - 5 - 4 Obviously I'm tilting large, but doesn't this reflect the market much better? I can't believe some experts recommend to have 50% s...
by pkcrafter
Wed Jun 24, 2015 8:10 am
Forum: Investing - Theory, News & General
Topic: Investor Gap vs. Zero Sum Game
Replies: 15
Views: 1418

Re: Investor Gap vs. Zero Sum Game

It's true that investors can end up forfeiting the returns they should have captured because of behavioral errors, but you have to be a little careful of using market or asset class returns as a benchmark. For instance, in a rising market an investor in the accumulation phase who invests new money o...
by pkcrafter
Wed Jun 24, 2015 7:15 am
Forum: Investing - Help with Personal Investments
Topic: Reducing BND before rate increases
Replies: 34
Views: 3068

Re: Reducing BND before rate increases

David Jay wrote:
I am relatively new to a lazy portfolio (wrote my IP in March), as I was a 100% equity investor through my mid-50s. This seems prudent with essentially no downside? What am I missing?

How much do you now have in bonds (%) and what is the duration?

Paul
by pkcrafter
Tue Jun 23, 2015 9:10 pm
Forum: Investing - Help with Personal Investments
Topic: Holding a LifeStrategy Fund in a Taxable Account
Replies: 18
Views: 1885

Re: Holding a LifeStrategy Fund in a Taxable Account

All, A relative recently moved a large portion of his savings to Vanguard. While I have recommended he purchase admiral shares of the individual funds (TSM, TISM, and TBM) in his taxable account, as a newbie, he very much likes the convenience of the LifeStrategy funds. Although not ideal, how bad ...
by pkcrafter
Tue Jun 23, 2015 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: Where to Begin [Tax Efficient Mutual Funds for Some Inheritance]
Replies: 15
Views: 1313

Re: Where to Begin

In addition to educating myself to a reasonable level (I probably won't ever be an investment geek), I wanted to know how posters felt about the asset allocation tools on the Vanguard site. It's easy enough to use, but is it too basic? I at lease realize that it would be in my best interests to bal...
by pkcrafter
Tue Jun 23, 2015 7:01 pm
Forum: Investing - Help with Personal Investments
Topic: High growth and low low low risk alternatives for hard earned money (after tax)
Replies: 7
Views: 1114

Re: High growth and low low low risk alternatives for hard earned money (after tax)

Welcome, comments below. First time poster! I have a small business and I'm at the point where I've maxed out all retirement accounts (including backdoor roth conversions) for both myself and my wife. Please list accounts and overall asset allocation. It might be a good idea to post what you are in...
by pkcrafter
Tue Jun 23, 2015 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: Best Advice [Best single piece of advice to give a new investor]
Replies: 56
Views: 4367

Re: Best Advice [Best single piece of advice to give a new investor]

"Smart investors learn from their mistakes, wise investors learn from the mistakes of others."

It appears you are a wise investor.

Required reading.

If You Can

http://www.etf.com/docs/IfYouCan.pdf

Paul
by pkcrafter
Mon Jun 22, 2015 7:26 pm
Forum: Investing - Help with Personal Investments
Topic: Graduated College. Now What?
Replies: 8
Views: 732

Re: Graduated College. Now What?

Sixteen pages of required reading -- If You Can by William Bernstein http://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=1&ved=0CB8QFjAA&url=http%3A%2F%2Fwww.etf.com%2Fdocs%2FIfYouCan.pdf&ei=j6aIVf-wKYjYoASM8YH4DQ&usg=AFQjCNGnC-AdH2MC30O4GGQ-i4RH0HWhyA&am...
by pkcrafter
Mon Jun 22, 2015 2:23 pm
Forum: Investing - Theory, News & General
Topic: Possible new lazy portfolio?
Replies: 7
Views: 1900

Re: Possible new lazy portfolio?

retiredjg wrote:Hmmm… looks pretty good. :D But I don't understand why the international percentage would change….?


Good catch. There was an error, but it was in the extended market mix. Corrected to 24% (rounded).

Paul
by pkcrafter
Mon Jun 22, 2015 10:16 am
Forum: Investing - Theory, News & General
Topic: Possible new lazy portfolio?
Replies: 7
Views: 1900

Re: Possible new lazy portfolio?

Here's the two fund with using small value.

85% LS moderate
15% small value

AA - 64/36

19 19 19
9 8 6 - 27% more mid than TSM
9 7 3 - 110% more small than TSM

Mkt cap 19B

23% International
5% REIT
by pkcrafter
Mon Jun 22, 2015 8:50 am
Forum: Investing - Theory, News & General
Topic: Possible new lazy portfolio?
Replies: 7
Views: 1900

Re: Possible new lazy portfolio?

Another two fund portfolio using the same strategy. Need a name, but for now, I'll call it the Extended Blended or the Mucho Duo :happy 85% Lifestrategy moderate 15% Extended market This combination has an asset allocation of 65/35 M* 9 box 19 29 20 7 8 10 ~40% more mid than TSM 6 5 5 ~75% more smal...
by pkcrafter
Sun Jun 21, 2015 4:57 pm
Forum: Investing - Theory, News & General
Topic: The Other Side (proposed series)
Replies: 35
Views: 4411

Re: The Other Side (proposed series)

I guess what I'm trying to convey is backtesting and historical data are only useful in a very broad sense. Paul Could you clarify what you mean by useful in a very broad sense? Isn't backtesting using historical data the foundation of pretty much all investment strategies? Backtesting Historical d...
by pkcrafter
Sun Jun 21, 2015 11:47 am
Forum: Investing - Theory, News & General
Topic: The Other Side (proposed series)
Replies: 35
Views: 4411

Re: The Other Side (proposed series)

I guess what I'm trying to convey is backtesting and historical data are only useful in a very broad sense.


Paul
by pkcrafter
Sun Jun 21, 2015 11:40 am
Forum: Personal Finance (Not Investing)
Topic: I'm cosigner .. Friend thinking of bankruptcy .. Pls help
Replies: 77
Views: 12993

Re: I'm cosigner .. Friend thinking of bankruptcy .. Pls hel

If the car is worth $23k and there is ~$15k left on the loan, he could sell the car now, pay off the loan, and use the proceeds to buy a cheaper car with no loan. Wipes the loan off the books, allows him to own the replacement car outright, gives him a little extra cash to work with during this leg...
by pkcrafter
Sun Jun 21, 2015 10:01 am
Forum: Investing - Theory, News & General
Topic: Possible new lazy portfolio?
Replies: 7
Views: 1900

Possible new lazy portfolio?

A two fund lazy portfolio-- Edit: add a name -- Dynamic Duo? Little Deuce Coup? :happy 70% LifeStrategy Mod, VSMGX 30% Global Min. Volatility, VMVFX This combination provides a 70/30 portfolio M* 9 box-- 20 21 20 7 10 9 - 45% increase over TSM 4 5 3 - 33% increase over TSM Mkt cap 20B Int. - 40% of ...
by pkcrafter
Sun Jun 21, 2015 8:44 am
Forum: Investing - Theory, News & General
Topic: The Other Side (proposed series)
Replies: 35
Views: 4411

Re: The Other Side (proposed series)

30 year Japan gov. bond now yielding 1.44%
Five year Japan stock market return 7.49%
by pkcrafter
Sat Jun 20, 2015 6:45 pm
Forum: Investing - Help with Personal Investments
Topic: Passive vs. Active Investing Research
Replies: 2
Views: 504

Re: Passive vs. Active Investing Research

I am about to write a paper on the latest research on passive vs. active investing. Are there any authors/articles I should not miss? I want to make sure I don't miss any landmark studies. I am also trying to be as objective as possible as I go in. Thanks in advance. Donny, I don't know of any new ...
by pkcrafter
Sat Jun 20, 2015 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: My funds are frozen
Replies: 25
Views: 4615

Re: My funds are frozen

A very small US financial institution I do business with has frozen my funds because I'm out of the country right now and can't verify my address by responding to a letter sent there. I've provided them with my full name, address, SSN, DOB, and a photo of my driver's license. Is this legal? Do I ha...
by pkcrafter
Fri Jun 19, 2015 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: I'm cosigner .. Friend thinking of bankruptcy .. Pls help
Replies: 77
Views: 12993

Re: I'm cosigner .. Friend thinking of bankruptcy .. Pls hel

If the car is worth $23k and there is ~$15k left on the loan, he could sell the car now, pay off the loan, and use the proceeds to buy a cheaper car with no loan. Wipes the loan off the books, allows him to own the replacement car outright, gives him a little extra cash to work with during this leg...
by pkcrafter
Fri Jun 19, 2015 11:47 am
Forum: Investing - Theory, News & General
Topic: Mutual Fund Trends - ICI Fact Book
Replies: 0
Views: 271

Mutual Fund Trends - ICI Fact Book

Mutual fund trends from ICI Fact Book. Interesting data. Check out growing popularity of index funds and alternative strategies.

Your thoughts?

http://www.icifactbook.org/fb_ch2.html

Paul
by pkcrafter
Fri Jun 19, 2015 9:20 am
Forum: Investing - Help with Personal Investments
Topic: Just about there...
Replies: 16
Views: 3033

Re: Help this Newb Out :)

Bump. Anyone? Also, next year, I'm not sure I will be saving enough to be able to max out my 401k. Would it make sense at that time to sell some of the taxable to put into the 401k or would that depend on the capital gains that I would be taxed on and how they would compare to my tax savings? Thank...
by pkcrafter
Tue Jun 16, 2015 10:52 am
Forum: Investing - Help with Personal Investments
Topic: SPIA or Vanguard fund for income at 80?
Replies: 35
Views: 3896

Re: SPIA or Vanguard fund for income at 80?

Bill, I think your aunt needs a different perspective on her situation. I'm assuming the portfolio is pretty much the same as what you posted last year, but you should update a bit of the cash amount is now lower. Aunt A wants 65k/ year and also wants to protect money for heirs. Aunt has ~2M, and at...

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