Bogleheads

Hi Steely,

Your 401 choices appear ugly, but they may not be as bad as it appears. I think we often see expense ratios that do not have the plan management fee added on. It appears that yours ar ...

Vanguard. Low expenses. Simple and elegant design. Covers all you really need and most people can understand it.

The Freedom fund shown above is completely nuts in my opinion. No wonder they cos ...

I was in 8th or 9th grade - not sure which. I was in school, going from one class to another when I first heard that something big had happened.

The news coverage over the next several days was un ...

Do you have any opinion on how this should fit with what appears to be FTSE's position that 90/10 is the "right" ratio for their funds to achieve "total market"? It certainly does ...

With respect to this from above "They hope you get hit by a bus (so they make money) " it does NOT apply to TIAA Annuities as if you die before you "break even" the amount "lo ...

facmit, I've been pondering on what to tell you. I agree with what ruralavalon said above. I'll give you a couple of ideas on how to do it. Since we know so little about your circumstances, it is i ...

What do investment companies offer 'immediate' annuities for?
This is a different thing altogether. When you are in retirement, you can pay an insurance company X dollars and they promise to pay yo ...

I'm a newbie here, so I hope I'll be hastily corrected if I'm mistaken: Your 401(k) options seem nice, but why not roll over your wife's Fidelity 401(k) into a Traditional IRA at Vanguard or wherever ...

The M* definition is that every market is split 70/20/10 (actually 40/30/20/7/3 since M* uses five cap ranges).
Thanks Dave. I didn't know how M* split these things out. That is very helpful.

Do ...

I'd recommend at your age that somewhere around 20%-25% of your portfolio should be in bonds.
Actually, I would also recommend more - at least 15% if not 20% to 25%. Here's a thread that discusses i ...

Isn't that the advantage of an equity allocation that is centered around core positions is broad indexes i.e. TSM and FTSE All-World Except US ? And then you add smidgens of value and/or small and/or ...

Regardless of investor experience, investing decisions (or suggestions) should be made for the benefit of the investor.... period.
I think it is to the benefit of the investor to learn the bake the c ...

I realize that your thread is about market weights - especially Foreign Small as related to Total Foreign.
Yes and no. I'm very curious about what the market weight is. But mostly I want to know wh ...

It is a good idea to be suspicious of variable annuities. TIAA-CREF is an exception.

Get your info together - I think it will be easy to come up with a simple low cost portfolio. Your problem i ...

If you think M* can be trusted, then a 79/21 or 78/22 VFWIX/VFSVX split would come close to their definition of the total market

Well, just how do we know what international total market is suppos ...

Hi roamin, welcome to the forum!

It all depends on what you want. The easiest thing is to have appropriate target funds in both your 401 and your Roth IRA. Since the expense ratio of the target ...

Your domestic versus international analysis deals with how the stock portion of your portfolio is invested in U.S. and foreign markets. We believe that international stocks are a valuable diversificat ...

e5116, welcome to the forum!

Right now, your taxable account is 50% of the portfolio, but that is likely to change, isn't it? Right now, keeping 5 funds balance in taxable may be easy, but as time ...

You've got me, Pete! Rolling Eyes

Maybe they are "drawing the lines" on different days. Somehow I think we are missing some basic simple piece of info here.

For me, I'm not gonna bother. ...

I'm working on an overall software upgrade and some sort of button will have to be included that will allow members to easily and anonymously flag problem posts for moderator review.
Alex, that would ...

If you are saying that the Fidelity Fifty is in an old 401, I'd just move it. Have Vanguard "pull" it over into an IRA.

But to really get the right answer, we need to see all of the a ...

kd2008, welcome back!

There are literally dozens of ways to do this. It all depends on what you want.

If you do not have a bias against bonds in Roth IRA, you could move all your bonds there an ...

thank you very much for your patience, DJG! very nice long article.
I am sorry for the confusion. this is the scenario for me:
1) I have set up my retirement profilo, which basically follows the ge ...

I think CyberBob and I were talking about different things.

Bob is saying that he thinks the world weight in non-US small cap is 3% to 6%. I would tend to agree although I might have come up with ...

justice and atomic, can she invest in either the variable annuity or the retirement class mutual fund? Or is the mutual fund side reserved for IRA contributions only? Or could that vary from plan to ...

Anyway, when you figure out how much small international to add, let me know. Smile

Paul
Not sure I've figured it out, but here's what I found.

FTSE Global Equity Index Series is > 8000 stocks ...

A side thng: I think if I top my 401k and IRA (Tax-advantaged) every year (say starting 30 years old), I should be ok for the retirement life. am I right?
Well, that is certainly the right thing to d ...

That's not right. The bottom 10% is only (mostly) Small-Caps...
You may be right. So far, I've managed to read the FTSE site in two different ways. I think more familiarization with their whole wa ...

JG,

The MSCI Global Investable Market Indices (MSCI GIMI) was implemented in September 2008. The MSCI GIMI includes 15% in Small-Cap stocks and when combined with Mid-Caps, it is closer to 40% Mid ...

In the spirit of full disclosure, I put that on the wiki. However, it did come from digging through the FTSE index rules and conversations with others.
Well, I'm glad you could make sense of it. Tha ...

So I just curious about some model for non-retirement, taxable account, in order to be richer sooner (if possible Smile

). for example, money from stock options sold, money from relocation from CA to T ...

Interesting indeed. Using the 9:1 ratio for VFWIX and VFSVX, this is the style box I came up with:

30 27 22
6 5 5
2 1 1

So why should the amount of small cap (and mid cap) be so much smal ...

Thanks tarnation! I had looked on the Wiki, but the Wiki fairy must have been busy elsewhere (since I didn't find it). Ten percent it is! Think I'll go to M* and make a box....

Just so you'll know, I don't think many Bogleheads would consider Harry Browne's Permanent Portfolio a "classical model". Yes, there is a long, in fact very long, thread on that idea, but ...

Paul, Landy and I have been batting this around in another thread, but I hate to hijack that thread further.

The question comes up about how much international small cap should be added to make a r ...

However, from the VG site - VFSVX "Seeks to track the performance of the FTSE Global Small Cap ex US Index." A common sense interpretation is they simply take the US out. However, I found ...

Thanks for the update. However, more info is still needed. Use the edit button so that all the information stays together.

What stock/bond ratio do you want (for the whole retirement portfolio ...

The FTSE Global Small Cap Index includes the USA.

Just when I thought I had it figured out...but in the back of my head, I knew something was wasn't quite right.

However, from the VG site - VFSV ...

Well thanks for all the great information everyone! I am probably going to phase out my TOS account within the next few months and move over to vanguard.
Not sure if this was said above or not - if y ...

I thought that the redemption fees were waived inside a 403 plan. Did you get that info from a public internet site, or from your actual plan?

jb, welcome to the forum!

TIAA-CREF is a different kind of animal, but many people here are very happy with their TC plans, annuities and all.

In order to chose the best funds from you wife's pl ...

facmit, I think you are looking at this the wrong way.

Most people here don't think about taxable accounts that way. A taxable account is simply a location that does not have any tax-advantages. ...

...my idea so far was to open a Roth at birth with $1k, and put small amounts of money in there on holidays...
It's a great idea, but it will have to be something other than a Roth IRA (unless your ...

Multiple posts. I think this one below is the most active and current.

http://www.bogleheads.org/forum/viewtopic.php?p=595709&highlight=#595709

LynchMob, welcome to the forum! You have started 3 threads on the same subject. It seems this one is the most current one, so I'm replying here. Please try to keep your info all in one place by usi ...

I also vote for a target retirement fund. I think a portfolio needs more than 10% bonds myself. I'd suggest the fund which has something close to 15% or 20% bonds as a good starting place.

LIfe can throw some interesting curve balls. It's always good to have a backup plan. I'm sure you are glad you are working though!

So is a 50/50 TIPS/TBM allocation for my bond portfolio a solid "plan"?
I think so. I would not go more than 50% TIPs myself.

If the divorce is not settled yet and if health insurance could be required from the ex, that would be huge.

java, welcome to the forum!

I would suggest these things:

1) Maybe a non-deductible IRA, $5k each person, each year - to be converted to Roth IRA in 2010. As mentioned above, the conversion pa ...