Bogleheads.org

What are people's thoughts on maintaining your vehicles? Any rules of thumb with regards to servicing vehicles under warranty as opposed to not under warranty? I have been told numerous times never to have your car serviced by a dealer, they will charge you twice what a local mechanic would charge. ...

Thank you everyone for taking the time and advising me. As I indicated, the thought did cross my mind in eliminating the small cap fund due to the small amount in the fund as well as the fact that I invest monies into the VG TSM fund. After reading the suggestions and viewing the graphs/charts I hav...

Good morning everyone. Current portfolio is 300K. Lineup includes: ( Full NYS pension in 12 years) 457b Plan (66%). VG Institutional Index (18%) VG Small Cap Index (5%) International Index (8%) VG Total Bond Index (35%) Roth IRA (3%) VG Total Stock Market Admiral Taxable (31%) VG Total Stock Market ...

Hi Sigh-- I recently contacted the board members of the NYSDCP with regards to having the Plan consider adding VG Total Stock Market Index as well as the VG Total International Index to their list of available funds participants could choose from. The TSM could essentially replace the Institutional,...

Hello I will shortly be entering my 18th year of service with NYS and have been contributing to the Deferred Compensation plan since. Started with 3% in 1996 and am currently at 25% for past 6 years. I use a 4 fund indexed approach and rebalance twice per year. Aside from the knowledgeable advice re...

sscritic- No, the question did not change. I have decided to open a TD account and create the minor linked account. My sister and husband are both on board. Thanks for your help.

Rich

PK- Thanks. I will gradually transfer monies from my 457b international fund to other funds within the 457 and make up the difference with contributions to VG international. It will probably be in my best interest. Mudpuppy - Thanks for responding. All the profile information came from the NYS 457b ...

Yes, these bonds were bought before treasury direct became an option for purchasing. Thank you all for clarifying. While on topic, it was suggested to me the other day to open custodial accounts using e-trade. Suposedly, their minimum opening balance is $500 per account. Does anyone have thoughts on...

Within my 457b plan, I have been investing into an International Equity Index Fund. According to the plans website, this particular fund is benchmarked to the MSCI EAFE Index. The subadvisor for this fund is Northern Trust. The top 10 holdings of this fund are: Nestle A Shs Nom New 2.05% HSBC Holdin...

dbr,mxyz- Thanks for responding. I do not expect any problems with UTMA accounts. Any invested monies will be of a small amount so the reporting of taxes should not be an issue. My sister was in fact listed as a co-owner on the ibond purchases so hopefully it will enable her to use the bonds tax fre...

Dave- Thank you for responding to my inquiry. You raised several points with regards to the benefits of both I bonds as well as 529 plans. I had been leaning towards the I bonds, just wanted some reassurance that it was a smart way to invest for my nephews. As far as my sister is concerned, her chil...

Hello everyone. Quick question for the Bogleheads. In your opinions, which would be the better investment for my 2 nephews ages 5 and 7?? They have been receiving I bonds since they were born. My family currently has 3k for the older child and 2K for the younger. Should we continue purchasing these ...

Thanks retiredjg. I would like to keep you updated as to how things proceed.

Retiredjg-- Many thanks for your suggested portfolio. I appreciate the time and effort you put into devising it for me. Also, thank you to the BogelHeads who also offered advice in helping me achieve my goal. I originally planned a 6 fund portfolio in my 457 plan. You and several other Bogleheds pro...

Currently $98K split among my Vanguard Institutional Index, Vanguard mid cap index and Vanguard Small cap index fund in 457b account. By closing out my mid cap fund and transferring the funds($15K to Institutional Index and $4K to small cap) I will achieve the 85/15 split that FNK advised. My end re...

Jfet, Ydnal - thanks for your comments and support!!

I checked the prospectus online and read the Institutional Index tracks the performance of the S&P 500. Now I just need to transfer funds out of the mid cap into the small cap in order to reach that 80/20 split. My 457b plan allows transfers in and out of these funds once every 60 days. So I nee...

Good evening Retiredjg- Just completed editing my original post. I followed the recommendations on the site. Hope this is correct. FNK- Thanks for the info. I own shares of the Vanguard Institutional Index, not the Vanguard large cap. My error. Do you advise me to still drop the Vanguard Mid Cap fun...

Funds include

Taxable-$250k bank savings
Tax deferred account- $185k
Pension- currently 25k.

Tax deferred account breakdown-
35% Vanguard large cap index
10%.Vanguard mid cap index
5%. Vanguard small cap index
15% Vanguard internl stock index
32%. Vanguard total bond index
3%. Vanguard stable

Retiredjg- the target date fund would be within my Roth IRA, not in my tax deferred nor in my taxable. Bad idea??

Thanks for everyones advice/comments. MHC,retiredjg,nyboglehead and pkcrafter- The 70k is not a windfall. It is a sum of my $250K which is parked in my savings institution earning .50% I chose the $70k as a means to "get the ball rolling". I will take all of your sound advice and open a Ro...

Hello everyone. I am a first time poster on this site and have enjoyed being educated by the "bogle heads" for the past few months. Thank you for your knowledge and much respect to all of you. Perhaps you could assist me as my goal is to increase my net worth and attain solid financial gro...