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Re: How to achieve 3 fund portfolio using the following fund

Thank you again to each and everyone of you for the input. Just found out today, that the greatwest funds have been removed from the fund options and instead T. Rowe price retirement funds have been added. I will update the original post also with more information and currently deciding toward the f...
by slowlrnr
Thu Jun 13, 2013 3:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to achieve 3 fund portfolio using the following funds
Replies: 20
Views: 1206

Re: How to achieve 3 fund portfolio using the following fund

Aren't you the smart one, Pingo ;) Yes the response to that thread was not overwhelming but also gave me an opportunity to read up more on this amazing site and gain lot of imformation. Yes, I do treat my portfolio overall as one but the only problem I see is rebalancing everything again after I fin...
by slowlrnr
Wed Jun 12, 2013 1:02 am
 
Forum: Investing - Help with Personal Investments
Topic: How to achieve 3 fund portfolio using the following funds
Replies: 20
Views: 1206

Re: How to achieve 3 fund portfolio using the following fund

How much do you plan on contributing to the 401k yearly? Is there a match? The idea of only contributing to the mid and small cap indexes would work also. If you are going to max the contributions out there, you may end up heavily tilted though. The 0.63 ER is not ideal, no, but it's not terrible e...
by slowlrnr
Tue Jun 11, 2013 10:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to achieve 3 fund portfolio using the following funds
Replies: 20
Views: 1206

Re: How to achieve 3 fund portfolio using the following fund

Thank you for the replies all and insight. So seems like I have to do some more homework and figure out the percentage in each fund and then pick the low ER funds and stay away from anything over .5% ER. From two inputs seems like American Balanced should be okay but I am still not convinced with .6...
by slowlrnr
Tue Jun 11, 2013 9:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to achieve 3 fund portfolio using the following funds
Replies: 20
Views: 1206

Re: How to achieve 3 fund portfolio using the following fund

You could do the american funds balanced fund, mid cap index, and small cap index to mimic total stock market the best you could. Then hold the international and bond portions in her 401k, or in a Roth and rebalance there. What funds do you/does she have in her 401k? Do you two have a Roth for eith...
by slowlrnr
Tue Jun 11, 2013 9:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to achieve 3 fund portfolio using the following funds
Replies: 20
Views: 1206

Re: How to achieve 3 fund portfolio using the following fund

Iorek wrote:If those are percentages, then I am going to venture a guess that there is no way you can do it. :wink:


lol! fixed the original post :)
by slowlrnr
Tue Jun 11, 2013 8:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to achieve 3 fund portfolio using the following funds
Replies: 20
Views: 1206

Re: How to achieve 3 fund portfolio using the following fund

Not terrible. Those fees are more reasonable than many out there. Is this in a 401k, or some type of plan like that? Without knowing the whole situation, here's a guess of how things could go for you... Some sort of combo between the American funds balanced, mid cap index, and small cap index to tr...
by slowlrnr
Tue Jun 11, 2013 8:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to achieve 3 fund portfolio using the following funds
Replies: 20
Views: 1206

Re: How to achieve 3 fund portfolio using the following fund

pingo wrote:Expense ratios and ticker symbols, where available, please? :D


Updated the original post. I am trying some combinations in the xray tool but still not able to figure out the distribution. Do you see any hope here with these hopeless funds.
by slowlrnr
Tue Jun 11, 2013 7:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to achieve 3 fund portfolio using the following funds
Replies: 20
Views: 1206

How to achieve 3 fund portfolio using the following funds

Long time lurker and strong believer in 3 fund portfolio (thank you Taylor). Is there any way I can acheive 40 total bond index, 30 total domestic stock index and 30 total international stock index using the following funds. American Funds American Balanced A - ABALX - 0.63% American Funds Bond Fund...
by slowlrnr
Tue Jun 11, 2013 6:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to achieve 3 fund portfolio using the following funds
Replies: 20
Views: 1206

Re: Advice on Highlander/Odyssey purchase

I am not sure if anyone mentioned this but, IMHO, minivan insurance will be at least half of SUV insurance in case you want to figure out ownership cost. I drive a van and love it. I also drove a SUV before and the 5th person sitting in the center seat was most of the times not happy. That never hap...
by slowlrnr
Fri May 24, 2013 1:30 pm
 
Forum: Personal Consumer Issues
Topic: Advice on Highlander/Odyssey purchase
Replies: 44
Views: 2287

Re: Need help w/ my 401k Options

Need some help in which option to contribute to. Have ~60k rolled over from Vanguard to Fidelity. My current company's 401k plan is managed through Fidelity but why is there Vanguard Target retirement funds as options? Is there a way to opt for the Three-fund portfolio w/ my 401k and choose a total...
by slowlrnr
Fri May 03, 2013 6:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help w/ my 401k Options
Replies: 8
Views: 487

Re: After Tax 401(k) contribution

No. After-tax employee contributions are NOT the same as Roth 401k. The limit for "elective deferrals" is $17,500 and that includes tax-deferred and designated Roth contributions - just as your employer said. Not all plans allow after-tax employee contributions. It's kind of a complex sub...
by slowlrnr
Mon Apr 15, 2013 8:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: After Tax 401(k) contribution
Replies: 17
Views: 1136

Re: After Tax 401(k) contribution

BolderBoy wrote:Make sure your particular 401k plan allows for after-tax contributions...


Is the "after-tax contribution 401k" same as "Roth 401k"? I was told by my employer that limit is 17,500 combined for both.
by slowlrnr
Mon Apr 15, 2013 7:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: After Tax 401(k) contribution
Replies: 17
Views: 1136

Re: buying a home from family/SIRVA? 3pm deadline. Help

Excited to be a homeowner and STOP throwing away $2,200 per month on rent. Thank you. Deal should be final tonight. 240k Congratulations!! Above two factors directly tell me that you should buy this house. You are paying 2.2k per month in rent in a area where house is available for purchase at 240k...
by slowlrnr
Wed Apr 10, 2013 8:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: buying a home from family/SIRVA? 3pm deadline. Help
Replies: 26
Views: 1141

Re: Need car for 6-8 months ... buy, lease, rent, ?

Carpool with a coworker and pay 3/4th of gas cost since you will not be driving at all. If no coworker lives nearby, wait at a convenient spot where (s)he can pick you up.
by slowlrnr
Wed Apr 10, 2013 5:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need car for 6-8 months ... buy, lease, rent, ?
Replies: 9
Views: 481

Re: Life Insurance

Why would you want to call the company directly instead of using an independent agent to buy the same product? There's no charge for using an agent. The suggestion was if you do not have an agent and don't want to bother looking for one. Also, have heard bad stories about agents selling insurance p...
by slowlrnr
Tue Apr 09, 2013 7:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life Insurance
Replies: 18
Views: 963

Re: Life Insurance

I've gotten the names of three agents from term4sale and will hopefully find a good agent from their list. I've heard very positive reviews about them on this site. Thanks again for everyone's thoughts. I would recommend directly calling the company. Say Prudential shows up first after your term4sa...
by slowlrnr
Mon Apr 08, 2013 9:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life Insurance
Replies: 18
Views: 963

Re: Life Insurance

About term: Estimate on how old will you be when your youngest kid will be financially independent and let's say it is around age 57, then my 2 cents on coverage till your 57 (or more). So if you are 27, then a 30 year term. About coverage: The rule generally recommended is insurance enough for kids...
by slowlrnr
Mon Apr 08, 2013 2:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life Insurance
Replies: 18
Views: 963

Re: Can this 24-ETF portfolio be simplified?

BuckyBadger wrote:If you switch over to a three fund lazy portfolio you'll save yourself headaches AND tons of money, and you'll probably do better overall.

+1

Why are you only interested in ETF's? Did you read something that says it is better to invest in ETF's?
by slowlrnr
Wed Apr 03, 2013 3:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can this 24-ETF portfolio be simplified?
Replies: 30
Views: 2292

Re: Thinking about increasing risk. Any advice?

livesoft wrote:How about bond funds? Are you thinking of getting out of bond funds because they have gone nowhere in 6 months?


Sorry for digressing from the topic and piggybacking but, does this mean it is a good time to invest in bonds?
by slowlrnr
Fri Mar 29, 2013 3:15 pm
 
Forum: Investing - Theory, News & General
Topic: Thinking about increasing risk. Any advice?
Replies: 46
Views: 2516

Re: Suggestion for 401k funds

Bump.

Changed the original post to match the format for questions.

Please provide any suggestions you think or you may do for yourself based on the data provided.
by slowlrnr
Tue Mar 12, 2013 8:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Suggestion for 401k funds
Replies: 6
Views: 561

Re: Need Advice.....Better Late Than Never

I called Vanguard this afternoon and set up an appointment for my husband and I to speak with one of their Certified Financial Planners. Hopefully, we are on our way to untangling this mess Please keep us updated on how things went and how much are you saving now. I thank Boglehead community for sa...
by slowlrnr
Tue Mar 12, 2013 1:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Advice.....Better Late Than Never
Replies: 31
Views: 2902

Re: Another newbie question about investment choices

retiredjg wrote:For your tax-advantaged accounts like 401k, IRA, Roth IRA...yes. For taxable...probably not.


For taxable - what would you recommend? Would it be the individual index funds or combination of funds?
by slowlrnr
Fri Mar 08, 2013 7:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Another newbie question about investment choices
Replies: 14
Views: 663

Re: $40k - invest now or wait?

If it was my $40K to invest, (do not know about your asset alolocation or how long and how much risk?) I would do the following today: Login to Vanguard 40% in Total Bond Market - VBTLX 30% in Total Stock Market - VTSAX 30% in Total Internation Stock - VTIAX and forget about it (which is difficult t...
by slowlrnr
Fri Mar 08, 2013 1:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: $40k - invest now or wait?
Replies: 10
Views: 979

Re: Is this a good estimate for LT real return

I calculated long term expected real return to be about 2.7% for the following allocation: US Total Stock Market 13% Small Value 5% Domestic REIT 4.5% Intl Total Stock Market 20% Foreign REIT 4.5% US Bond Complete 31% High Yield & Investment Grade Corporates 11% (Vanguard HY fund 67% and invest...
by slowlrnr
Thu Mar 07, 2013 2:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is this a good estimate for LT real return
Replies: 10
Views: 644

Re: Is this a good estimate for LT real return

For my understanding: If OP invested $10,000 (as an example) today and assuming his long term is 20 years. At the end of 20 years and compound period being yearly, it will approximately be $17,000. Is that correct or I am completely wrong? I am still getting a hang of things and also want to know ho...
by slowlrnr
Wed Mar 06, 2013 10:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is this a good estimate for LT real return
Replies: 10
Views: 644

Re: ROTH IRA fund suggestion [for kid's eduation]

Thanks everyone for the feedback. slowlrnr , I will look at those funds you suggested. MathWizard, thanks for the detail explanation on why you went the Roth way. Keith, for the same reason MathWizard mentioned, I am going the Roth way. Regards BumbleBee Mathwizard happens to be wrong. Roth contrib...
by slowlrnr
Tue Mar 05, 2013 9:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: ROTH IRA fund suggestion [for kid's eduation]
Replies: 10
Views: 538

Re: ROTH IRA fund suggestion [for kid's eduation]

I am not an expert and just started learning but seems like you can invest in a conservative 2025 or 2020 Target retirement fund in Roth IRA (since you are in tax advantaged space) for you and your wife. I am also NOT investing in 529 partially due to reasons mentioned above by Mathwizard and 529 co...
by slowlrnr
Tue Mar 05, 2013 7:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: ROTH IRA fund suggestion [for kid's eduation]
Replies: 10
Views: 538

Re: Trading in for better mpg

I would only consider doing so if I put on enough miles per year to justify the additional expense. 10,000 miles per year @ 20 miles per gallon = 500 gallons. 500 gal. X $4.00/gal = $2,000 in gas per year. 10,000 miles per year @ 15 miles per gallon = 667 gallons. 667 gal. X $4.00/gal = $2,668 in g...
by slowlrnr
Mon Mar 04, 2013 8:28 pm
 
Forum: Personal Consumer Issues
Topic: Trading in for better mpg
Replies: 43
Views: 2148

Re: Peeking at investments...how often?

At least twice a day for all open accounts. Don't do any changes. Try to understand why change in investment value was high / low through boglehead posts.
by slowlrnr
Thu Feb 07, 2013 3:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Peeking at investments...how often?
Replies: 59
Views: 3008

Re: Suggestion for 401k funds

Please suggest on which 401k funds should I invest in?
by slowlrnr
Tue Feb 05, 2013 10:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Suggestion for 401k funds
Replies: 6
Views: 561

Re: Suggestion for 401k funds

DoublePost
by slowlrnr
Tue Feb 05, 2013 5:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Suggestion for 401k funds
Replies: 6
Views: 561

Suggestion for 401k funds

Thank you for your previous inputs and I am updating my original post after changes that all of you have suggested. Emergency funds: 4 Months Debt: No Car loans or CC loans Mortgage - 4.75% interest - 550K loan amount left Tax Filing Status: Married filing Jointly Tax Rate: 10.2% Federal, 11.3% Stat...
by slowlrnr
Fri Feb 01, 2013 8:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Suggestion for 401k funds
Replies: 6
Views: 561

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