I plan on doing this allocation:
* 50% Vanguard Total Stock Market ETF (VTI)
* 10% Vanguard Emerging Markets ETF (VWO)
* 10% Vanguard European Stock (VGK)
* 10% Vanguard Pacific Stock (VPL)
* 5% Vanguard REIT ETF (VNQ)
* 5% iShares Barclays TIPS Bond (TIP)
* 10% Vanguard Total Bond Market ETF (BND)
What is the best place for each of these? I have:
- Roth IRA
- Individual Roth 401k
- Individual 401k
- Taxable trading account
I assume VTI/VWO/VGK/VPL in the taxable account? Then VNO/TIP/BND in the IRAs? Does it matter if its the ROTH or normal IRA?
Search found 69 matches
- Fri Apr 09, 2010 6:16 pm
- Forum: Personal Investments
- Topic: Best way to split portfolio between tax/non-taxable accounts
- Replies: 17
- Views: 4407
- Fri Apr 09, 2010 5:14 pm
- Forum: Personal Investments
- Topic: Automatic investing, but transaction fee?
- Replies: 20
- Views: 4910
- Fri Apr 09, 2010 4:44 pm
- Forum: Personal Investments
- Topic: Automatic investing, but transaction fee?
- Replies: 20
- Views: 4910
- Fri Apr 09, 2010 2:37 pm
- Forum: Personal Investments
- Topic: Automatic investing, but transaction fee?
- Replies: 20
- Views: 4910
- Fri Apr 09, 2010 2:35 pm
- Forum: Personal Investments
- Topic: Automatic investing, but transaction fee?
- Replies: 20
- Views: 4910
- Fri Apr 09, 2010 2:21 pm
- Forum: Personal Investments
- Topic: Automatic investing, but transaction fee?
- Replies: 20
- Views: 4910
Yeah but I was looking to dollar cost average a bit better by investing more frequently. I guess the fact that I am with eTrade messes this up due to the fees.You'll make the fee back pretty fast in the ER if you invest a significant amount at once.
If you really want to stay with Etrade, just invest once per year. An extra 0.2% isn't the end of the world.
- Fri Apr 09, 2010 2:14 pm
- Forum: Personal Investments
- Topic: Automatic investing, but transaction fee?
- Replies: 20
- Views: 4910
- Fri Apr 09, 2010 2:12 pm
- Forum: Investing - Theory, News & General
- Topic: Core 4 - rebalanced based on age?
- Replies: 25
- Views: 4563
- Fri Apr 09, 2010 2:03 pm
- Forum: Investing - Theory, News & General
- Topic: Core 4 - rebalanced based on age?
- Replies: 25
- Views: 4563
- Fri Apr 09, 2010 1:33 pm
- Forum: Personal Investments
- Topic: Automatic investing, but transaction fee?
- Replies: 20
- Views: 4910
- Fri Apr 09, 2010 11:52 am
- Forum: Personal Investments
- Topic: Automatic investing, but transaction fee?
- Replies: 20
- Views: 4910
Automatic investing, but transaction fee?
I have seen where a lot of people do weekly investments into a fund.
I have an account with eTrade but to invest in VTIVX target retirement fund there is a $19.95 transaction fee.
So if I invest $200 a week or something like that I am automatically losing 10%.
Any other way to do this for this fund VTIVX?
Plus it seems they don't have a way to automatically invest in funds which have a transaction fee. Is this fund offered anywhere else without this fee?
I have an account with eTrade but to invest in VTIVX target retirement fund there is a $19.95 transaction fee.
So if I invest $200 a week or something like that I am automatically losing 10%.
Any other way to do this for this fund VTIVX?
Plus it seems they don't have a way to automatically invest in funds which have a transaction fee. Is this fund offered anywhere else without this fee?
- Fri Apr 09, 2010 11:41 am
- Forum: Investing - Theory, News & General
- Topic: Core 4 - rebalanced based on age?
- Replies: 25
- Views: 4563
So you would invest in the TR fund even in a non-IRA account? Most stuff I have read is that the TR funds are not all that tax efficient?1) Finding it increasingly harder to rebalance all these funds across multiple IRA/non-IRA accounts and keep them all tax-efficient in the available space in each of the accounts.
If I go with just the one target fund for all of my IRA accounts are there any thoughts what I should do with my non-IRA accounts? Is it a bad idea to do the TR in a non-IRA account due to taxes?
- Thu Apr 08, 2010 9:51 pm
- Forum: Investing - Theory, News & General
- Topic: Core 4 - rebalanced based on age?
- Replies: 25
- Views: 4563
Most of my investments are in a Roth IRA, Roth 401k and a Individual 401k.
If I do a target fund for all three of these accounts what is suggested for the non-tax deferred accounts? I can't really do an overall asset allocation since everything will get lumped into the target fund in the IRA accounts.
If I do a target fund for all three of these accounts what is suggested for the non-tax deferred accounts? I can't really do an overall asset allocation since everything will get lumped into the target fund in the IRA accounts.
- Thu Apr 08, 2010 9:47 pm
- Forum: Investing - Theory, News & General
- Topic: Core 4 - rebalanced based on age?
- Replies: 25
- Views: 4563
Is there any explanation why these target funds are so far off compared to Mr. Bogle's recommendation of bond %?Assuming you used Mr. Bogle's rough formula of "Bonds = Age," consider Target Retirement 2020 or 2025.
I assumed 2045 would be the fund to go with but see you mentioned 2025 which I see you are suggesting based on the allocation and not the fact that you think I will be retiring in 10-15 years.
- Thu Apr 08, 2010 8:39 pm
- Forum: Investing - Theory, News & General
- Topic: Core 4 - rebalanced based on age?
- Replies: 25
- Views: 4563
- Thu Apr 08, 2010 8:37 pm
- Forum: Investing - Theory, News & General
- Topic: Core 4 - rebalanced based on age?
- Replies: 25
- Views: 4563
Ok I expanded it a bit... * 50% Vanguard Total Stock Market ETF (VTI) * 30% Vanguard FTSE All-World Ex-U.S. ETF (VEU) * 5% Vanguard REIT ETF (VNQ) * 5% iShares Barclays TIPS Bond (TIP) * 10% Vanguard Total Bond Market ETF (BND) Any suggest expanding it out even more? Perhaps expanding: * 30% Vanguard FTSE All-World Ex-U.S. ETF (VEU) Out into: * 10% Vanguard Emerging Markets ETF (VWO) * 10% Vanguard European Stock (VGK) * 10% Vanguard Pacific Stock (VPL) Making it: * 50% Vanguard Total Stock Market ETF (VTI) * 10% Vanguard Emerging Markets ETF (VWO) * 10% Vanguard European Stock (VGK) * 10% Vanguard Pacific Stock (VPL) * 5% Vanguard REIT ETF (VNQ) * 5% iShares Barclays TIPS Bond (TIP) * 10% Vanguard Total Bond Market ETF (BND) Any opinions?
- Thu Apr 08, 2010 8:13 pm
- Forum: Investing - Theory, News & General
- Topic: Core 4 - rebalanced based on age?
- Replies: 25
- Views: 4563
Ok thanks. I realize there is a lot of "opinion" in the question I asked and I understand it relies a lot on my risk tolerance/situation, etc.
Is there a place on this forum or website to view any other model portfolios? I have checked out MarketRiders but can't justify $100 a year just to notify me when to rebalance. Most of their suggested ETF's can be found in these other model portfolios.
Is there a place on this forum or website to view any other model portfolios? I have checked out MarketRiders but can't justify $100 a year just to notify me when to rebalance. Most of their suggested ETF's can be found in these other model portfolios.
- Thu Apr 08, 2010 8:08 pm
- Forum: Investing - Theory, News & General
- Topic: Core 4 - rebalanced based on age?
- Replies: 25
- Views: 4563
- Thu Apr 08, 2010 8:07 pm
- Forum: Investing - Theory, News & General
- Topic: Core 4 - rebalanced based on age?
- Replies: 25
- Views: 4563
Core 4 - rebalanced based on age?
I was going to go with:
* 36% Vanguard Total Stock Market ETF (VTI)
* 18% Vanguard FTSE All-World Ex-U.S. ETF (VEU)
* 6% Vanguard REIT ETF (VNQ)
* 40% Vanguard Total Bond Market ETF (BND)
However would anyone recommend allocating more towards VTI/stocks if I am 27 years old?
Based on other articles I have read, for a growth allocation the bond allocation is generally lower around 10-20%.
* 36% Vanguard Total Stock Market ETF (VTI)
* 18% Vanguard FTSE All-World Ex-U.S. ETF (VEU)
* 6% Vanguard REIT ETF (VNQ)
* 40% Vanguard Total Bond Market ETF (BND)
However would anyone recommend allocating more towards VTI/stocks if I am 27 years old?
Based on other articles I have read, for a growth allocation the bond allocation is generally lower around 10-20%.