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Re: New 401(k) options

Hey everybody, Thanks again for your thoughtful replies. After considering all the input, I think I will increase my allocation towards international stocks and model after the 3-fund portfolio: 20%, Vanguard Total Bond Market Index Admiral (VBTLX) (0.08%) 50%, Vanguard 500 Index Admiral (VFIAX) (0....
by rdlaner
Tue Jul 01, 2014 12:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: New 401(k) options
Replies: 11
Views: 543

Re: New 401(k) options

Thanks for all the of the great replies! I just updated my original post to include all of the options that are being made available for this 401(k). I must apologize, I was referring to an out of date document and thought that only the Vanguard funds were available. But, as you can see there are se...
by rdlaner
Mon Jun 30, 2014 6:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: New 401(k) options
Replies: 11
Views: 543

Re: New 401(k) options

Yes, unfortunately, all of the old funds are going away. The new available funds are the only ones I am now able to select from.
It seems to me, however, that the Vanguard 500 Index is fairly similar to the Total Stock Market Index.
by rdlaner
Mon Jun 30, 2014 5:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: New 401(k) options
Replies: 11
Views: 543

New 401(k) options

Emergency funds: ~4 months saved Debt: None (Just paid off student loans!) Tax Filing Status: Married Filing Jointly Tax Rate: 15% Federal, no state State of Residence: WA Age: 29 Desired Asset Allocation: 80% stocks / 20% bonds Desired International allocation: 10% of stocks Current 401(k) portfoli...
by rdlaner
Mon Jun 30, 2014 5:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: New 401(k) options
Replies: 11
Views: 543

Re: How exactly do index funds compound?

Thanks to all for your replies! The feedback has been very helpful. I am realizing there is a quite bit more that goes on behind the scenes rather than just simple compounding interest. I still don't think I have a firm grasp on it, but this has been enough to convince my main questions and I'll rea...
by rdlaner
Fri Mar 14, 2014 12:54 am
 
Forum: Investing - Theory, News & General
Topic: How exactly do index funds compound?
Replies: 12
Views: 2250

How exactly do index funds compound?

I've started re-reading my 'Boglehead's Guide to Investing' (which has been immensely helpful, by the way) and the first portion strongly conveys the power of compounding interest. It also very strongly advocates for the use of index funds, especially those that induce lesser taxes (few capital gain...
by rdlaner
Wed Mar 12, 2014 11:24 pm
 
Forum: Investing - Theory, News & General
Topic: How exactly do index funds compound?
Replies: 12
Views: 2250

Re: Beginner Asset Allocation Questions

Thanks for all the help everybody. One last question that I need clarified. I'm about to open a Roth IRA as suggested, with the intent of withdrawing the money for a house downpayment. My timeline for buying a house is 3-5 years. I understand I can withdraw up to $10k of earnings as long as i've hel...
by rdlaner
Sun Apr 14, 2013 6:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Beginner Asset Allocation Questions
Replies: 12
Views: 1673

Re: Beginner Asset Allocation Questions

Thanks xram, Twins Fan, and Taylor. I think all your advice resounds very well with me. I think I will adopt a mixed approach with the $15k: pay down some of the high interest student loans, throw a little into the emergency fund, and then put the rest into a Roth IRA. Taylor, since you suggested op...
by rdlaner
Sat Apr 06, 2013 3:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Beginner Asset Allocation Questions
Replies: 12
Views: 1673

Re: Beginner Asset Allocation Questions

To answer some of the questions that have arisen: 1. Figure out how much you need in cash for your emergency fund and start saving towards that goal. Keep it in something safe like a money market at your local credit union or maybe an online bank like Ally Bank or something similar. http://www.bogle...
by rdlaner
Fri Apr 05, 2013 12:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Beginner Asset Allocation Questions
Replies: 12
Views: 1673

Beginner Asset Allocation Questions

I'm new to the Boglehead forum, but have been reading many posts for the past few weeks after finishing the "Boglehead's Guide to Investing." It has been very enlightening and as a result, I have a few beginner questions I was hoping to get help with. First off, I just started taking advan...
by rdlaner
Thu Apr 04, 2013 12:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Beginner Asset Allocation Questions
Replies: 12
Views: 1673

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