Search found 207 matches

by Artisan
Fri Mar 24, 2017 2:49 pm
Forum: Investing - Help with Personal Investments
Topic: Advice investing in index funds
Replies: 9
Views: 784

Re: Advice investing in index funds

Welcome to the Boglehead forum and investing. To give you advice we need a little more information. How much do you plan to invest overall? Is this a one time investment or do you plan to contribute regularly? How much do you plan to invest over time say every month or year? Do you have access thro...
by Artisan
Fri Mar 24, 2017 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: dollar cost averaging
Replies: 11
Views: 900

Re: dollar cost averaging

Of course it is difficult. It is hard to do the right thing when everyone is telling you something else. Remind yourself that: 1) Most of the people who are talking about what to do don't really know. 2) The "experts" on television all have a vested interest and it isn't your interest they...
by Artisan
Thu Mar 23, 2017 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: Advice investing in index funds
Replies: 9
Views: 784

Re: Advice investing in index funds

Welcome to the Boglehead forum and investing. To give you advice we need a little more information. How much do you plan to invest overall? Is this a one time investment or do you plan to contribute regularly? How much do you plan to invest over time say every month or year? Do you have access thro...
by Artisan
Thu Mar 23, 2017 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: Help with my father's windfall
Replies: 25
Views: 2473

Re: Help with my father's windfall

I am very sorry for your family's loss. After you pay off his debt, what are his monthly expenses. Can he live on his salary alone? By that I mean within or below his means, not an HGTV lifestyle. If he can, I see no reason to touch his retirement accounts. He will need those for retirement. When do...
by Artisan
Thu Mar 23, 2017 11:32 am
Forum: Investing - Help with Personal Investments
Topic: Advice investing in index funds
Replies: 9
Views: 784

Re: Advice investing in index funds

Welcome to the Boglehead forum and investing. To give you advice we need a little more information. How much do you plan to invest overall? Is this a one time investment or do you plan to contribute regularly? How much do you plan to invest over time say every month or year? Do you have access throu...
by Artisan
Thu Mar 23, 2017 9:39 am
Forum: Investing - Help with Personal Investments
Topic: International Allocation
Replies: 16
Views: 535

Re: International Allocation

International Stocks is 20% of our stock portfolio.

No reason to change that.

I don't do everything Vanguard suggests.
by Artisan
Tue Mar 21, 2017 9:15 am
Forum: Investing - Help with Personal Investments
Topic: VTIAX Taxable or Non Taxable
Replies: 9
Views: 525

Re: VTIAX Taxable or Non Taxable

Why does it create anxiety? Please read the Form 1116 Instructions and tell me if that did or did not create any anxiety for you. Most IRS forms create some level of anxiety for me. I find them difficult to understand and unnecessarily complex. Are you referring to this or the sections that relate ...
by Artisan
Tue Mar 21, 2017 8:06 am
Forum: Investing - Help with Personal Investments
Topic: VTIAX Taxable or Non Taxable
Replies: 9
Views: 525

Re: VTIAX Taxable or Non Taxable

Many people have anxiety about filling out Form 1116 to get the FTC when they have paid so much foreign taxes that they now have to fill out Form 1116 to claim the foreign tax credit. And if you go over more than about $20,000 in foreign-source income, then the anxiety level increases even more. [/...
by Artisan
Tue Mar 21, 2017 8:04 am
Forum: Investing - Help with Personal Investments
Topic: VTIAX Taxable or Non Taxable
Replies: 9
Views: 525

Re: VTIAX Taxable or Non Taxable

Not sure about your specific question, but perhaps its not a good idea to hold VTIAX in both taxable and nontaxable accounts for tax loss harvesting purposes? Or is this a moot point for international funds? While it is not a moot point, one should be aware that purchases in IRAs can turn a sale at...
by Artisan
Tue Mar 21, 2017 7:57 am
Forum: Investing - Help with Personal Investments
Topic: New Boglehead, Review and Advice Requested
Replies: 7
Views: 473

Re: New Boglehead, Review and Advice Requested

I would really appreciate some guidance. I’m a fireman, wife’s a nurse, two kids and one dog. Emergency funds : Savings account with 3 months core expenses. Debt : Mortgage (land only) 25k balance at 5.75%. Student Loan Him 41k balance at 3.25% Student Loan Her 20k balance at 5.00% No credit card d...
by Artisan
Tue Mar 21, 2017 7:22 am
Forum: Investing - Help with Personal Investments
Topic: VTIAX Taxable or Non Taxable
Replies: 9
Views: 525

VTIAX Taxable or Non Taxable

My apologies for asking this. I have read several threads here regarding whether it is best to hold VTIAX in taxable vs non-table accounts but I am still confused. I know one of the advantages in holding this fund in taxable is the foreign tax credit. I have also read that holding it in a tax deferr...
by Artisan
Mon Mar 20, 2017 10:13 am
Forum: Investing - Help with Personal Investments
Topic: My plan and questions
Replies: 7
Views: 635

Re: My plan and questions

Thank you so much for all this feedback!!! I was not clear on the children aspect of my profile. I currently have one 2yr old and one child on the way. Not three children. I was planning on paying for both children's college, hopefully with the 529. I am a little confused on how to accurately gauge...
by Artisan
Sun Mar 19, 2017 4:19 pm
Forum: Investing - Help with Personal Investments
Topic: My plan and questions
Replies: 7
Views: 635

Re: My plan and questions

I answered some of your questions in PINK QUESTIONS: Do you feel I am on track for my goals? You have a very high savings rate. Congrats. Continue to save aggressively, live below your means and keep your costs low. If I am on track and don’t plan on touching the 457 accounts would you still increas...
by Artisan
Sun Mar 19, 2017 3:19 pm
Forum: Investing - Help with Personal Investments
Topic: 30 years old and want to start saving for a home...where to begin?
Replies: 7
Views: 851

Re: 30 years old and want to start saving for a home...where to begin?

As they say, there is no free lunch. If you want to get a higher return, you have to take a higher risk with your funds. You have a relatively short time frame in which you need this money so investments where there is a chance of loss of principal isn't a good option. Since online savings or short ...
by Artisan
Fri Mar 17, 2017 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Plan: Do it myself or use Advisor?
Replies: 41
Views: 2976

Re: Retirement Plan: Do it myself or use Advisor?

You sound knowledgeable and cautious. My impression is you could do this yourself. There is no guarantee anyone you hire will do it better. Plus, tax laws, rules and regulations can change. Will you revisit any plan developed for you? How often. I, personally, would never pay an AUM fee. If you need...
by Artisan
Fri Mar 17, 2017 10:30 am
Forum: Investing - Theory, News & General
Topic: Anyone else taking less risk
Replies: 115
Views: 9272

Re: Anyone else taking less risk

Daryl above said it well. It's not really about market timing. It's about where the market has taken us compared to our individual financial goals. If the market has us way ahead on our plan, then very rational to take risk off the table. Dave He referred to taking "excessive risk". If yo...
by Artisan
Fri Mar 17, 2017 8:01 am
Forum: Personal Consumer Issues
Topic: $464.12 dinner bill last night. No regrets.
Replies: 78
Views: 9531

Re: $464.12 dinner bill last night. No regrets.

Great story. Loved to hear how much you appreciated your Aunt and Uncle's kindness and generosity.
by Artisan
Fri Mar 17, 2017 7:43 am
Forum: Investing - Theory, News & General
Topic: Anyone else taking less risk
Replies: 115
Views: 9272

Re: Anyone else taking less risk

MMM sounds like market timing to me. Actually we have been slowly increasing our % in stocks as per our IPS. We should be there within a few months. Then we will maintain it based on what we have determined is the correct AA for us, balancing every year when out portfolio deviates beyond a certain p...
by Artisan
Fri Mar 17, 2017 7:31 am
Forum: Investing - Theory, News & General
Topic: Vanguard's recommendation
Replies: 15
Views: 1717

Re: Vanguard's recommendation

I'd rather base my AA on knowledge I've gained from reading several books on the topic and from discussing the situation with those more knowledgeable then I. We are in our 50's, 1-3 years away from retirement and Vanguard's tool recommends 100% Stocks. We are approaching 60/40 which is where we wil...
by Artisan
Thu Mar 16, 2017 8:40 am
Forum: Investing - Help with Personal Investments
Topic: New to group, advice needed!
Replies: 7
Views: 412

Re: New to group, advice needed!

My 401k would be in the mid 30k range currently and my Roth is sitting around 7k. I haven't dove deep into foreign markets at this point to determine an international allocation (input welcome). I do love the idea of a simple portfolio that alto astral brings up. I'll be changing my 401k options as...
by Artisan
Wed Mar 15, 2017 9:58 pm
Forum: Investing - Help with Personal Investments
Topic: New to group, advice needed!
Replies: 7
Views: 412

Re: New to group, advice needed!

My concern however is my employers 401k offerings: FID 500 INDEX INST (FXSIX) Fees: .035% Stock Investments Large Cap FID EXT MKT IDX PR (FSEVX) Fees: .07% Stock Investments Mid-Cap VRS PARTNERS Y (RSPYX) Fees: 1.17% Stock Investments Small Cap WM BLAIR SM CP GR I (WBSIX) Fees: 1.3% Stock Investmen...
by Artisan
Wed Mar 15, 2017 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: Do you avoid international investing like Jack Bogle?
Replies: 151
Views: 7427

Re: Do you avoid international investing like Jack Bogle?

That's a poor way to view it. Tilting is TSM having value in it and you want to put a little more in value, so you buy a little extra. Having no international stocks in TSM and then adding 10% is like, what's the point? :happy Perhaps my terminology was incorrect. I consider that some of the compan...
by Artisan
Wed Mar 15, 2017 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: Do you avoid international investing like Jack Bogle?
Replies: 151
Views: 7427

Re: Do you avoid international investing like Jack Bogle?

Well, you didn't say that! Still though, how does 20% of your equities in international help or hurt you? Although, it sounds like you're more in FI than stocks nowadays... are you about 60 FI/30 US/10 INT, or? It may not make much difference to you INT or not. I feel on should go 50/50 US/INT... m...
by Artisan
Wed Mar 15, 2017 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: Do you avoid international investing like Jack Bogle?
Replies: 151
Views: 7427

Re: Do you avoid international investing like Jack Bogle?

Perhaps my terminology was incorrect. I consider that some of the companies included in VTSAX to have international exposure. I invest in VTIAX to gain additional international exposure beyond that. VTIAX might be considered to be undervalued. That's still a poor way to look at it. Sure, TSM has in...
by Artisan
Wed Mar 15, 2017 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: Do you avoid international investing like Jack Bogle?
Replies: 151
Views: 7427

Re: Do you avoid international investing like Jack Bogle?

That's a poor way to view it. Tilting is TSM having value in it and you want to put a little more in value, so you buy a little extra. Having no international stocks in TSM and then adding 10% is like, what's the point? :happy Perhaps my terminology was incorrect. I consider that some of the compan...
by Artisan
Wed Mar 15, 2017 11:30 am
Forum: Investing - Help with Personal Investments
Topic: Do you avoid international investing like Jack Bogle?
Replies: 151
Views: 7427

Re: Do you avoid international investing like Jack Bogle?

That's a poor way to view it. Tilting is TSM having value in it and you want to put a little more in value, so you buy a little extra. Having no international stocks in TSM and then adding 10% is like, what's the point? :happy Perhaps my terminology was incorrect. I consider that some of the compan...
by Artisan
Wed Mar 15, 2017 7:16 am
Forum: Investing - Help with Personal Investments
Topic: Recently Retired - Portfolio Advice, Please!
Replies: 10
Views: 1308

Re: Recently Retired - Portfolio Advice, Please!

Welcome to the forum!

You might get more responses if you edit your original post in the recommended format described here:

viewtopic.php?f=1&t=6212

Make sure to include the expense ratio of each fund and list of the other choices as well.
by Artisan
Wed Mar 15, 2017 7:08 am
Forum: Investing - Help with Personal Investments
Topic: Do you avoid international investing like Jack Bogle?
Replies: 151
Views: 7427

Re: Do you avoid international investing like Jack Bogle?

About 10% of our portfolio is international. I view is at a value tilt.
by Artisan
Tue Mar 14, 2017 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking Advice for Investments
Replies: 5
Views: 363

Re: Seeking Advice for Investments

The fund in your wife's 401K account has a high expense ratio. Does she have any choices with lower ones? Perhaps an index fund? I agree that your investments in your Fidelity account should be moved over to lower cost index funds as well. I'd also suggest you do a little reading to increase your kn...
by Artisan
Tue Mar 14, 2017 1:30 am
Forum: Investing - Theory, News & General
Topic: How Many Contribute To A Retirement Fund But Never Invest
Replies: 21
Views: 2307

Re: How Many Contribute To A Retirement Fund But Never Invest

I am constantly amazed that coworkers have no idea the difference between an investment vehicle like an IRA and the mutual funds that may be contained therein.

I try to educate them, one at a time.
by Artisan
Sun Mar 12, 2017 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Helping Parents w/Social Security Decision
Replies: 8
Views: 966

Re: Helping Parents w/Social Security Decision

I'm sorry to hear about your dad. I hope the outcome for him is better then expected.

That said, I don't think there is a good reason to delay on taking benefits.

Hoping he gets to enjoy them for many years to come.
by Artisan
Sun Mar 12, 2017 4:01 pm
Forum: Investing - Theory, News & General
Topic: Reasons not to check the account balance too often
Replies: 42
Views: 3768

Re: Reasons not to check the account balance too often

As long as his looking doesn't interfere with his ability to stay the course I don't see it as an issue. I have an app on my phone and look at it several times a day. I usually check the price of my funds at the end of every day. Since becoming a Boglehead I understand that whether they go up or dow...
by Artisan
Sun Mar 12, 2017 3:49 pm
Forum: Investing - Theory, News & General
Topic: Debate with friends on market timing, annuity, etc, thoughts?
Replies: 34
Views: 1766

Re: Debate with friends on market timing, annuity, etc, thoughts?

He may be able to beat the market in a certain time frame: 1 year, 5 year, 10 years etc. But can he do it over an investing lifetime? Unlikely. My advice is to stop trying to convince him of anything. You could present the most cogent argument imaginable. You won't convince him he is wrong. Smile kn...
by Artisan
Sun Mar 12, 2017 3:44 pm
Forum: Investing - Theory, News & General
Topic: Do I need a separate emergency fund?
Replies: 15
Views: 1386

Re: Do I need a separate emergency fund?

I think it is an individual call.

Although we have sufficient credit for almost any expense and no debt, we still like to keep a sizable amount in a totally liquid account.

Call us conservative. We sleep well at night.
by Artisan
Sat Mar 11, 2017 8:06 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs. Schwab vs. T. Rowe Price vs. Fidelity
Replies: 24
Views: 2164

Re: Vanguard vs. Schwab vs. T. Rowe Price vs. Fidelity

I suggest as I do for all who come here to first read the forum wiki and section on how to get started. Once you do that my next suggestion is to read these 3 books. The Bogleheads Guide to Retirement Planning. All About Asset Allocation by Rick Ferri A Random Walk Down Wall Street by Burton Malkiel...
by Artisan
Fri Mar 10, 2017 10:54 pm
Forum: Investing - Help with Personal Investments
Topic: 28yo, New Millionaire, Advice on Wealth Management
Replies: 64
Views: 6513

Re: 28yo, New Millionaire, Advice on Wealth Management

You sound like you have a good plan going forward. I would encourage you to read and educate yourself PRIOR to hiring an investment professional who has a fiduciary responsibility. The reason I say that is because after the education you may decide you don't need one. Pay off the 6.5% student loan. ...
by Artisan
Fri Mar 10, 2017 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: 28yo, New Millionaire, Advice on Wealth Management
Replies: 64
Views: 6513

Re: 28yo, New Millionaire, Advice on Wealth Management

I am going to jump on the bandwagon of good advice you are getting. If you are wise enough at 28 to net 5M, then you can manage your own investments. Leave the money where it is for the moment. Spend the next month or two learning. Read the wiki and how to get started here. Then select a few books l...
by Artisan
Thu Mar 09, 2017 3:59 pm
Forum: Investing - Help with Personal Investments
Topic: FI, early retirement at 40, how to get relevant tax advice?
Replies: 46
Views: 5367

Re: FI, early retirement at 40, how to get relevant tax advice?

I think you can pull it off. I'm on the conservative side and would think 3 more years of savings would add a nice cushion to your success rate. It is a nice thought to enroll your child at the beginning of that particular school but they will probably enjoy the popularity from being the new kid on ...
by Artisan
Tue Mar 07, 2017 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: how often do you shrug at your IPS? [Investment policy statement]
Replies: 50
Views: 3632

Re: how often do you shrug at your IPS?

In essence, if you don't actually follow your IPS, why even bother spending time developing one? this is what i truly don't understand. people seem to view this issue in a very black/white way that makes no sense to me. if you follow your IPS 99% of the time, but not 100% of the time, that makes th...
by Artisan
Tue Mar 07, 2017 4:12 pm
Forum: Investing - Theory, News & General
Topic: Did you buy SNAP?
Replies: 85
Views: 6312

Re: Did you buy SNAP?

Um, no.
by Artisan
Tue Mar 07, 2017 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: How Much in Your Emergency Fund And Is It Used?
Replies: 176
Views: 14692

Re: How Much in Your Emergency Fund And Is It Used?

I am also surprised by what I consider the low amounts or no EF from some of the posters. I'd like to see responses from more of the frequent posters here to see if that offsets the responses so far. We currently have 18 months of current expenses increasing to 24 months making 1% in online savings ...
by Artisan
Mon Mar 06, 2017 8:48 am
Forum: Investing - Help with Personal Investments
Topic: Think I'm ready, but not overly confident
Replies: 28
Views: 2777

Re: Think I'm ready, but not overly confident

Hi Ready53: First off, a big welcome to the forum. Congrats on your impending retirement. We are in a very similar situation although a tad younger. Early and late 50's. We have more in taxable and less in tax deferred with a larger pension for my husband. Hub is retiring this year and then I plan t...
by Artisan
Sun Mar 05, 2017 10:52 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help
Replies: 12
Views: 1042

Re: Portfolio Help

I hope his health issues get resolved favorably. Good luck.
by Artisan
Sun Mar 05, 2017 10:47 am
Forum: Investing - Theory, News & General
Topic: New Investor – Novice Jitters
Replies: 32
Views: 2481

Re: New Investor – Novice Jitters

Here is what I think (sorry in advance for the tough love). People with a lot more financial and market savy then you admit they cannot predict the future of the economy. You may be correct in all your assumptions about what will happen. Most likely you will be wrong. If you think you know more then...
by Artisan
Fri Mar 03, 2017 11:27 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help
Replies: 12
Views: 1042

Re: Portfolio Help

With scary health issues, I think it would be a mistake to give up her health insurance at her current job. We'd need to see their expenses but judging from their savings, ages, income, lack of state tax and current rent, they look like their expenses might be pretty large to take such a drastic cut...
by Artisan
Fri Mar 03, 2017 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: how often do you shrug at your IPS? [Investment policy statement]
Replies: 50
Views: 3632

Re: how often do you shrug at your IPS?

My philosophy is if I am going to deviate why have it in the first place.

I know what I should do, I don't need a written reminder.

That said, emergencies do happen. If a big ticket item is an emergent purchase that's fine.

If it's for a discretionary purchase that would be something else.
by Artisan
Fri Mar 03, 2017 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: 40 year old Investing for the 1st time - How am I doing?
Replies: 22
Views: 1749

Re: 40 year old Investing for the 1st time - How am I doing?

450K for 4 years of a private college in 15 years is probably pretty accurate. Current costs are near 300K at some schools. I used a calculator when my children were just born and the estimate it gave me was extremely accurate. The issue as mentioned is what if they receive a scholarship or go to a...
by Artisan
Thu Mar 02, 2017 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: 40 year old Investing for the 1st time - How am I doing?
Replies: 22
Views: 1749

Re: 40 year old Investing for the 1st time - How am I doing?

You should repost with the percentages of each fund invested as a percentage of the total invested, not a % of that individual account. You could also list the choices available in each account. That being said... I think you are over complicating things. Unless you are trying to tilt towards small ...
by Artisan
Thu Mar 02, 2017 6:51 pm
Forum: Investing - Help with Personal Investments
Topic: 40 year old Investing for the 1st time - How am I doing?
Replies: 22
Views: 1749

Re: 40 year old Investing for the 1st time - How am I doing?

450K for 4 years of a private college in 15 years is probably pretty accurate. Current costs are near 300K at some schools. I used a calculator when my children were just born and the estimate it gave me was extremely accurate. The issue as mentioned is what if they receive a scholarship or go to a ...

Go to advanced search