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Re: campaign for better 403B

It's doubtful your 403B plan is subject to ERISA rules. The fact that there are no lower cost options and no index funds is a red flag. http://www.dwt.com/advisories/403b_Plans_Covered_by_ERISA_or_Exempt_07_09_2008/ It also may be very difficult to find a fiduciary, if one actually exists. http://ww...
by pkcrafter
Wed Dec 17, 2014 8:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: campaign for better 403B
Replies: 11
Views: 504

Re: new 401k enrollment - choices.. which is least worst?

Welcome, bartleby,

You need to provide fund names and expense ratios. You can edit your original post.

Paul
by pkcrafter
Wed Dec 17, 2014 12:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: new 401k enrollment - choices..which is least worst? REVISED
Replies: 6
Views: 529

Re: Vanguard High-Yield Corporate Bond Fund (VWEAX) ?

As a reference, in 2008, VWEAX lost 21%. Total stock market lost 37%, total bond was up 5%. If you decide to hold VWEAX, limit exposure and treat it as a stock because it's much more volatile than a bond fund with an AA rating.

Paul
by pkcrafter
Wed Dec 17, 2014 10:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard High-Yield Corporate Bond Fund (VWEAX) ?
Replies: 15
Views: 1379

Re: With this uncertainty, where to put $200k plus....

Hi dan, My original plans were the Lifestrategy conservative fund, but I am wondering if it wouldn't make sense to sit back and watch for a few weeks, parking it in something ultra safe like a money market while things settle down. Things never settle down, and if you think they have and all is well...
by pkcrafter
Wed Dec 17, 2014 9:32 am
 
Forum: Investing - Help with Personal Investments
Topic: With this uncertainty, where to put $200k plus....
Replies: 26
Views: 2311

Re: Convince Wife About Value of IRA - Good Resources

There are many articles on the web about loss of return due to taxes. Here's just one.

http://individual.troweprice.com/retail ... /index.jsp

Paul
by pkcrafter
Tue Dec 16, 2014 8:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Convince Wife About Value of IRA - Good Resources
Replies: 13
Views: 1102

Re: 80/20 stocks/bonds for near retirement

Here's a link to the reverse glide path study by Kitces and Pfau. My suggestion above is based on this study. I'm not saying it's the right strategy for everyone, but those entering into retirement should be aware of possible dangers and be familiar with information on risk and the research in that ...
by pkcrafter
Tue Dec 16, 2014 11:01 am
 
Forum: Investing - Help with Personal Investments
Topic: 80/20 stocks/bonds for near retirement
Replies: 26
Views: 2255

Re: How FINRA saved my Grandma's bacon

But wait, it's gets even better. “The Multi-Strategy Growth & Income Fund may serve as a core holding for long-term investors and can potentially provide consistent income, lower volatility, and a hedge against inflation through a combination of Real Estate Investment Trusts, Equity Income Inves...
by pkcrafter
Mon Dec 15, 2014 6:49 pm
 
Forum: Investing - Theory, News & General
Topic: How FINRA saved my Grandma's bacon
Replies: 21
Views: 1999

Re: Lockheed Martin Case Puts 401(k) Plans On Trial

Thanks, Bob. Two important points are raised--one is that company employees responsible for 401k plans (one must be a fiduciary) are woefully unaware of what high costs do and the violation of ERISA rules that they present. Two, many companies don't seem to really care.

Paul
by pkcrafter
Mon Dec 15, 2014 5:52 pm
 
Forum: Investing - Theory, News & General
Topic: Lockheed Martin Case Puts 401(k) Plans On Trial
Replies: 1
Views: 797

Re: Went "all in" Nov 17-21 in VTTHX (2035) - worried...

jbrinker wrote: This all started because I wanted to be smart and high-tech, and created all my portfolios into Google finance. Just to have a look and an easy way to compare things across these multiple portfolios. That led to me watching ... and worrying. I guess hitting the "zoom out" b...
by pkcrafter
Mon Dec 15, 2014 3:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Went "all in" Nov 17-21 in VTTHX (2035) - worried...
Replies: 25
Views: 2878

Re: Went "all in" Nov 17-21 in VTTHX (2035) - worried...

Well, I finally made the decision back in November regarding all this cash our Trusts have - over 4M. We took it all and I decided the best fit, long-term choice was to put it in a mix duplicating the Vanguard 2035 retirement fund. VTTHX. (This because the primary beneficiaries of these two trusts ...
by pkcrafter
Mon Dec 15, 2014 3:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Went "all in" Nov 17-21 in VTTHX (2035) - worried...
Replies: 25
Views: 2878

Re: 80/20 stocks/bonds for near retirement

I am 63 and planning to retire at 66. I can live comfortably with SS and 4% of my investments. Almost all my investments are in IRA's and 401K's and are well diversified. Right now I have only 20% of my investments in bonds. Intermediate corporate Admiral shares. The rest are in index funds and ETF...
by pkcrafter
Mon Dec 15, 2014 11:07 am
 
Forum: Investing - Help with Personal Investments
Topic: 80/20 stocks/bonds for near retirement
Replies: 26
Views: 2255

Re: My first non fee advisor meeting..confused

I just got home from my first-time meeting with a no-fee advisor.

Where does one find a no-fee advisor? Not compensated at all?

Paul
by pkcrafter
Mon Dec 15, 2014 12:44 am
 
Forum: Investing - Help with Personal Investments
Topic: My first non fee advisor meeting..confused
Replies: 35
Views: 4572

Re: in the past there was a period when active outperformed

Here's a link to the Barron's article. One big problem is the S&P500 did not exist for that entire time period, so it's a rather funny statement. http://online.barrons.com/articles/a-glimmer-of-hope-for-active-fund-managers-1418437745 I'll put this article into the "we couldn't fund much to...
by pkcrafter
Sun Dec 14, 2014 3:39 pm
 
Forum: Investing - Theory, News & General
Topic: in the past there was a period when active outperformed
Replies: 30
Views: 1566

Re: Mebane Faber: 78% of the time you are in a drawdown

baw, drawdown definition: The drawdown is the measure of the decline from a historical peak in some variable (typically the cumulative profit or total open equity of a financial trading strategy). http://en.wikipedia.org/wiki/Drawdown_%28economics%29 I think this is the accepted definition, although...
by pkcrafter
Sun Dec 14, 2014 3:13 pm
 
Forum: Investing - Theory, News & General
Topic: Mebane Faber: 78% of the time you are in a drawdown
Replies: 18
Views: 1930

Re: Does 80/20 have more risk or volatility than 60/40?

Some people say a factor in deciding stock to bond ratio is based on risk tolerance. But is that actually the case for a person planning to hold an investment for 30-70 years? Yes, it's based an individual's tolerance and his/her knowledge of risk. An investor can have a very inappropriate level of...
by pkcrafter
Sun Dec 14, 2014 12:29 pm
 
Forum: Investing - Theory, News & General
Topic: Does 80/20 have more risk or volatility than 60/40?
Replies: 25
Views: 2619

Re: Mebane Faber: 78% of the time you are in a drawdown

livesoft wrote:
livesoft wrote:If one isn't ready to lose capital, then one isn't ready to invest. They go hand-in-hand: Losses and investing. One cannot avoid losses if they invest.

Ah, livesoft, you have topped yourself--livesoft quoting.......livesoft. :happy
by pkcrafter
Sat Dec 13, 2014 9:51 pm
 
Forum: Investing - Theory, News & General
Topic: Mebane Faber: 78% of the time you are in a drawdown
Replies: 18
Views: 1930

Re: Mebane Faber: 78% of the time you are in a drawdown

Papito, the time frame is 1972-2014, so during that time span, we were in drawdown 78% of the time. Note: this is real returns , so the real returns from 1973-1983 were negative (drawdown) 100% of the time. baw, I think drawdown is a word commonly used here--that's where I learned it. :happy Paul
by pkcrafter
Sat Dec 13, 2014 9:48 pm
 
Forum: Investing - Theory, News & General
Topic: Mebane Faber: 78% of the time you are in a drawdown
Replies: 18
Views: 1930

Lifetime Income Provided Through 401k

On October 23 and 24, the Internal Revenue Service (IRS) and the Department of Labor (DOL) issued coordinated guidance on lifetime income provided through target date funds held by retirement plans. http://www.bna.com/legal-alert-irs-n17179911979/ The guidance considers a retirement plan investment...
by pkcrafter
Sat Dec 13, 2014 2:59 pm
 
Forum: Investing - Theory, News & General
Topic: Lifetime Income Provided Through 401k
Replies: 0
Views: 439

Re: Self-Managed All-Seasons Risk-Parity Allocation?

eolsencreative, You are a new poster, but you have not provided any information, so it's difficult to provide good feedback. I did notice in another post that you were asking about what to do until you saved up enough for admiral shares, so I'm going to assume you are a young new investor. It is als...
by pkcrafter
Sat Dec 13, 2014 2:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Self-Managed All-Seasons Risk-Parity Allocation?
Replies: 10
Views: 1134

Re: Equal weight ETF (Guggenheim's RSP) vs Vanguard VTI???

The cap-weighted index represents an image of where investors have invested their money, so at least it has a rational strategy. When you invest a dollar, a very large company will get a percentage of that dollar based on company size, and a smaller company will get an amount equal to it's size-- a ...
by pkcrafter
Sat Dec 13, 2014 11:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Equal weight ETF (Guggenheim's RSP) vs Vanguard VTI???
Replies: 19
Views: 1726

Re: Asset placement for someone retiring early

How does SEPP get in this?

Paul
by pkcrafter
Fri Dec 12, 2014 2:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset placement for someone retiring early
Replies: 4
Views: 794

Re: Request 401K Assistance - Plan Offers 0% Exp. Ratio Opti

American Trust Large Cap Core Benchmark: S&P 500 TR USD Turnover %: 230.87 Are you sure about the turnover, it's extremely high. Turnover is an internal cost that runs roughly 1%/100% turnover, so the turnover cost in this fund is >2%. This just doesn't make sense for a fund that's supposed to ...
by pkcrafter
Fri Dec 12, 2014 2:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Request 401K Assistance - Plan Offers 0% Exp. Ratio Options
Replies: 21
Views: 1504

Re: any studies of real-world retirement outcomes?

Boglerulez, I think asking what happened is like relying on past returns to guide you. Like stock returns, retirees have faced and will face several periods during their retirement that are far from typical, whatever that is. During the 50's and 60's retirees had defined pension plans and stocks yie...
by pkcrafter
Fri Dec 12, 2014 11:04 am
 
Forum: Investing - Theory, News & General
Topic: any studies of real-world retirement outcomes?
Replies: 20
Views: 1856

Re: Retirees: Withdrawals by time and amount

I make one withdrawal near the end of the year to avoid having taxes held any longer than necessary. I make the withdrawal from the assets that are up and need rebalancing.

Paul
by pkcrafter
Fri Dec 12, 2014 9:39 am
 
Forum: Investing - Theory, News & General
Topic: Retirees: Withdrawals by time and amount
Replies: 36
Views: 3407

Re: Cochrane Blog - Level, Slope and Curve for Stocks-FF/Fac

Thanks for posting this. I don't fully understand it either, but I'm sure some of the math rats would like to have a look, and I would like to hear what they say. Maybe they will come up with something more useful than I did.

Paul
by pkcrafter
Thu Dec 11, 2014 8:58 pm
 
Forum: Investing - Theory, News & General
Topic: Cochrane Blog - Level, Slope and Curve for Stocks-FF/Factors
Replies: 1
Views: 333

Re: 6 years into career, finally time to address the unavoid

Person, you've provide a lot of information, but some important facts are still needed. Please follow this link on posting recommendations. Married? Tax bracket? Funds in 401k and expense ratios. http://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 Here's a link to information on 529 investi...
by pkcrafter
Thu Dec 11, 2014 3:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: 6 years into career, finally time to address the unavoidable
Replies: 28
Views: 4561

Re: Asness: "Efficient Frontier Theory for the Long Run"

Thanks, it's a good read and reminder that it's tough to see the long term when living through a series of short terms which do not look anything like as promised, but that is precisely what we experience. And it's a mistake to constantly change strategy and holdings in an attempt to improve long te...
by pkcrafter
Thu Dec 11, 2014 9:36 am
 
Forum: Investing - Theory, News & General
Topic: Another Great Asness/AQR Blog Post - Perspective
Replies: 38
Views: 2583

Re: Leverage and P/e10

So long as the expected return exceeds the borrowing rate, leverage is worthwhile.

The expected return is not the return.

“The market can stay irrational longer than you can stay solvent.”.
John Maynard Keynes

best of luck,
by pkcrafter
Wed Dec 10, 2014 8:59 pm
 
Forum: Investing - Theory, News & General
Topic: Leverage and P/e10
Replies: 35
Views: 2365

Re: How to Think About Risk in Retirement - Bernstein

In other words, if you have enough set aside in very safe assets to provide for your expenses until approximately age 100 (aka liability matching portfolio), then you can do whatever you want with the rest, including putting all of the excess into equities. I'm concerned that people who don't have ...
by pkcrafter
Wed Dec 10, 2014 7:36 pm
 
Forum: Investing - Theory, News & General
Topic: How to Think About Risk in Retirement - Bernstein
Replies: 64
Views: 7639

Re: How to Think About Risk in Retirement - Bernstein

Just a random thought... Regarding the liability matched retirement portfolio: it seems to carry an assumption about equity risk that isn't present in the accumulation phase, and that is equities may not rebound, but in the accumulation phase there is always the assumption that they will. Paul Paul...
by pkcrafter
Wed Dec 10, 2014 7:29 pm
 
Forum: Investing - Theory, News & General
Topic: How to Think About Risk in Retirement - Bernstein
Replies: 64
Views: 7639

Re: How to Think About Risk in Retirement - Bernstein

Erwin wrote: In Kitces paper he gives a bucket approach for consideration. 1) If equities are up, take the retirement spending from equities 2) If equities are down but bonds are up, take the spending from bonds instead 3) If both equities and bonds are down in the same year, take the distribution f...
by pkcrafter
Wed Dec 10, 2014 3:06 pm
 
Forum: Investing - Theory, News & General
Topic: How to Think About Risk in Retirement - Bernstein
Replies: 64
Views: 7639

Re: Vox: Why your brain loves procrastination

Thanks, good article.

Tim Pychyl--What a great name for a psychologist. :happy

Paul
by pkcrafter
Tue Dec 09, 2014 5:54 pm
 
Forum: Investing - Theory, News & General
Topic: Vox: Why your brain loves procrastination
Replies: 7
Views: 1163

Re: New Investor: Portfolio Advice

Welcome, settle, You now have your overall AA where you want it. So in the 401k, use the same funds 60/40. Consider all accounts as one portfolio, so as assets and equities grow in the 401k, hold taxable constant and make any rebalancing changes in the tax deferred accounts so the 60/40 allocation i...
by pkcrafter
Tue Dec 09, 2014 4:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Investor: Portfolio Advice
Replies: 12
Views: 972

Re: Retired - Portfolio Feedback wanted

C_S, I'm not sure I understand your situation. Your FA sounds like he's providing exactly what you ask. If you have a specific question, it sounds like he will be happy to answer it. I had fewer and fewer questions for him as I didn't need to touch the portfolio much. When I do talk with him, he is ...
by pkcrafter
Tue Dec 09, 2014 3:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retired - Portfolio Feedback wanted
Replies: 6
Views: 1193

Re: Is There An Actively Managed Fund Cheaper Than An Index

placeholder wrote:Berkshire Hathaway is not a mutual fund of any sort.


+1


Paul
by pkcrafter
Tue Dec 09, 2014 1:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is There An Actively Managed Fund Cheaper Than An Index Fund
Replies: 25
Views: 2235

Re: Is There An Actively Managed Fund Cheaper Than An Index

Unless managed by someone with overriding eleemosynary instincts, I don't think so. But I put the question on behalf of someone else and invite reasonable replies. Thanks, Bpgleheads. As already mentioned, the answer is yes if you consider the outrageous costs of a few index funds out there, but if...
by pkcrafter
Tue Dec 09, 2014 10:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Is There An Actively Managed Fund Cheaper Than An Index Fund
Replies: 25
Views: 2235

Re: reverse rollover IRA to 401k?

nmop, Duckie has done his best to unravel your situation, but you need to clarify a few things. 1. Is there any way to avoid paying tax on the money earned by the amount I invested in the IRA this year? I know its not much, but Uncle Sam takes too much of my money as it is :( As Duckie noted, you ca...
by pkcrafter
Mon Dec 08, 2014 8:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: reverse rollover IRA to 401k?
Replies: 8
Views: 953

The 7% Solution-Preferreds, a retirement income diversifier?

Bruce Miller's musing on SPIAs vs preferred stocks paying 7% on the M* board. Bruce discusses individual preferred stocks, but you can also buy an ETF such as PFF that yields 6.95%. Another way to diversify risk and lower the amount you to give an insurance company? http://socialize.morningstar.com/...
by pkcrafter
Mon Dec 08, 2014 12:20 pm
 
Forum: Investing - Theory, News & General
Topic: The 7% Solution-Preferreds, a retirement income diversifier?
Replies: 3
Views: 654

Re: Helping my dad with his portfolio

tibbits is correct on the financial responsibility, be careful here. You did not say how the advisor gets paid, but if he's paid a % of assets, then any funds with front end loads will be waived. A transfer is initiated by the new custodian, so that's where you start. If you transfer in kind and the...
by pkcrafter
Sat Dec 06, 2014 1:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Helping my dad with his portfolio
Replies: 52
Views: 2508

Re: Bogle Advises Investing No More Than 20% Outside U.S.

I'm afraid of bonds because interest rates are low and bonds drop when interest rates rise. I'm almost 100% stocks. But because s&p500 is at an all time high and international index is not at an all time high I've been putting my new money plus some cash gradually into international for several...
by pkcrafter
Sat Dec 06, 2014 1:09 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle Advises Investing No More Than 20% Outside U.S.
Replies: 106
Views: 11112

Re: Dave Ramsey Only Invests in Mutual Funds that Beat the S

lawford, it sounds like Dave has picked up on the last BH discussion about him and this is a response. The feud is on. I had a fairly high regard for Dave until a lot was revealed in the last discussion, and now I don't pay any more attention to him. He's telling his followers they an get a 12% retu...
by pkcrafter
Sat Dec 06, 2014 9:30 am
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey Only Invests in Mutual Funds that Beat the S&P
Replies: 23
Views: 3253

Re: Helping my dad with his portfolio

5 funds? Then what are all the other funds listed?

Very hard to read. Do you know his actual allocations to equity and non-equity?

Paul
by pkcrafter
Sat Dec 06, 2014 12:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Helping my dad with his portfolio
Replies: 52
Views: 2508

Re: Investing Wisdom from Experts

Thanks, good article. There are some real gems in there from all three. Your link didn't work--here's another try. https://personal.vanguard.com/us/insights/article/investing-wisdom-122014 Alan Roth If they want a little bit of a small-cap value tilt, we can buy a small-cap value index fund. But tha...
by pkcrafter
Fri Dec 05, 2014 9:24 pm
 
Forum: Investing - Theory, News & General
Topic: Investing Wisdom from Experts
Replies: 3
Views: 730

Re: Poll: Do you ask questions at company 401(k) meetings?

Yes, two questions: Are you serious? What time's lunch?
by pkcrafter
Fri Dec 05, 2014 12:01 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Do you ask questions at company 401(k) meetings?
Replies: 25
Views: 1701

Re: Help with investments...

taxable investments that I use as an emergency/vacation fund. It's not clear what you are doing with the taxable account. Is this supposed to be for retirement/emergency/vacation? If not retirement then don't include it. If some is targeted for retirement, then it should be clearly defined and at l...
by pkcrafter
Fri Dec 05, 2014 10:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Review my portfolio? (edited)
Replies: 8
Views: 746

Re: Really Need Advice - Coming Back into Market

Welcome, I suggest you don't make any moves until you have a good grasp of Boglehead investing principles. Your ideas need to be reexamined and you then need to reframe your situation and construct a good plan. The 5 year vision is far short of what you need. Consider the next 20-25 years as accumul...
by pkcrafter
Thu Dec 04, 2014 10:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Really Need Advice - Coming Back into Market
Replies: 25
Views: 2044

Re: 401k advice

blueocean, as a young investor, the most important thing you can do is save money on a regular basis in tax-advantaged retirement account. The long term impact of this action far outweighs what the financial outlook is for the next year, 5 years, 10 years... The SSgA funds both use a passive approac...
by pkcrafter
Thu Dec 04, 2014 1:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k advice
Replies: 9
Views: 1026

Re: Merriman's Perspective on VG TSM

I'm very disappointed in Merriman for writing something so ridiculous. And there's plenty to like about Vanguard Total Stock Market Index VTSMX, +0.48% : Low expenses, massive diversification, low turnover and of course — no sales load. But this fund falls far short of its "total market" t...
by pkcrafter
Thu Dec 04, 2014 11:37 am
 
Forum: Investing - Theory, News & General
Topic: 10 Reasons why Merriman dislikes Total Stock Mkt
Replies: 155
Views: 17014

Re: How can an Total US Index be improved?

You want to hold total market, but avoid less desirable sectors? First problem, who decides what those less desirable sectors are? Second problem, it would not be a total stock index if you removed certain sectors. :happy Yes, you can use individual funds or ETFs to create any part of the total mark...
by pkcrafter
Thu Dec 04, 2014 10:42 am
 
Forum: Investing - Theory, News & General
Topic: How can an Total US Index be improved?
Replies: 33
Views: 1881
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