Search found 67 matches

by MrVargas
Mon Mar 20, 2017 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: Out of the norm all-equity portfolio to compliment pensions
Replies: 13
Views: 612

Re: Out of the norm all-equity portfolio to compliment pensions

It looks like people are rushing into emerging markets now that they've had a nice 15% pop. Fools rush in you know. I didn't even know that they had done well. I thought they were still down. I don't really follow markets besides the S&P 500 (and whatever is in my portfolio). I am not one to ch...
by MrVargas
Sun Mar 19, 2017 9:25 am
Forum: Investing - Help with Personal Investments
Topic: Out of the norm all-equity portfolio to compliment pensions
Replies: 13
Views: 612

Out of the norm all-equity portfolio to compliment pensions

My wife and I both contribute to government pensions (mine is state, her's is local). In addition to that we have begun contributing to a 403B. At first our choices were mostly overpriced actively managed funds. I was in a T Rowe Price target date fund. They have now added some index funds and I am ...
by MrVargas
Wed Jun 08, 2016 6:11 am
Forum: Investing - Help with Personal Investments
Topic: Opinion on 35% International / 65% Domestic?
Replies: 17
Views: 1587

Opinion on 35% International / 65% Domestic?

Quick question: Thoughts on an equity breakdown of 35% International vs 65% Domestic?

Does that same about average to you? Thanks.
by MrVargas
Sat May 07, 2016 7:06 pm
Forum: Investing - Help with Personal Investments
Topic: Should I be worried about dividends in my 403b?
Replies: 4
Views: 444

Re: Should I be worried about dividends in my 403b?

Who is your 403(b) provider and which fund is it? Maybe someone else here has direct experience with them. Do you get statements (monthly, quarterly, whenever)? It may be that the fund doesn't pay out dividends and then reinvests them to give you more shares. Instead, they may simply be folded into...
by MrVargas
Sat May 07, 2016 6:38 pm
Forum: Investing - Help with Personal Investments
Topic: Should I be worried about dividends in my 403b?
Replies: 4
Views: 444

Should I be worried about dividends in my 403b?

I have a 403b account and all of my money is invested in a target date fund. From what I understand, with retirement accounts they automatically invest dividends. However, I do not see any details on the provider website detailing when dividends were paid and how much where they. Is this something I...
by MrVargas
Sun Apr 17, 2016 9:04 pm
Forum: Investing - Theory, News & General
Topic: Do Lazy Portfolio's work with Active Funds?
Replies: 4
Views: 646

Do Lazy Portfolio's work with Active Funds?

For Retirement plans that are missing index funds for certain asset classes, do you think an actively managed fund (or an equal split among all of the available active funds) could be a reasonable substitute for that asset class? For example my retirement plan does not offer an index fund for intern...
by MrVargas
Wed Apr 13, 2016 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: 1/3 SCV / Emerging Market / REIT
Replies: 39
Views: 3668

Re: 1/3 SCV / Emerging Market / REIT

For the stock side, consider 20% US large cap blend, 20% SCV, 20% REIT (consider splitting between US and international), 20% Developed international (or 10% int'l small and 10% int'l value if you want to tilt), and 20% EM. You'll want to balance the risk with a high quality bond fund such as a int...
by MrVargas
Sat Apr 09, 2016 7:02 am
Forum: Investing - Help with Personal Investments
Topic: 1/3 SCV / Emerging Market / REIT
Replies: 39
Views: 3668

1/3 SCV / Emerging Market / REIT

Hypothetical Portfolio: 1/3 equal parts each of Small Cap Value, Emerging Market Index and REIT index. All very volatile, all have a high expected rate of return. Reasoning: 1. High Long Term Return. Though no one one knows the future, the expected return of these asset classes (at least SCV and EM)...
by MrVargas
Tue Mar 08, 2016 8:51 am
Forum: Investing - Help with Personal Investments
Topic: What happens to Dividend Yields when the stock market tanks?
Replies: 5
Views: 1212

What happens to Dividend Yields when the stock market tanks?

3 Questions: 1) Is there a site that allows me to see the quarterly/yearly dividend amounts/yields for a mutual fund? I can only seem to find sites that show total return. 2) When the stock market tanks what usually happens to the amount of dividends given off by a Dividend paying fund such Vanguard...
by MrVargas
Sat Mar 05, 2016 2:18 pm
Forum: Investing - Theory, News & General
Topic: Index Performance vs Active Mangagement w/o fees?
Replies: 35
Views: 3631

Index Performance vs Active Mangagement w/o fees?

Is there any research/discussion out there on the performance of Active Management if fees were ignored? Is their underperformance solely due to the fees (on average)?
by MrVargas
Tue Mar 01, 2016 9:27 am
Forum: Investing - Help with Personal Investments
Topic: 403B Q: TRP Target Date vs Self Constructed Active Fund Allocation
Replies: 3
Views: 290

Re: 403B Q: TRP Target Date vs Self Constructed Active Fund Allocation

In our district's 457b, the T.Rowe Price target date funds were replaced with BlackRock Lifepath index funds with ER of under .2%. What company operates your plan? Does your district have a committee that oversees the plan, or does HR just handle it? There is a commitee but they seem clueless. Some...
by MrVargas
Tue Mar 01, 2016 8:43 am
Forum: Investing - Help with Personal Investments
Topic: 403B Q: TRP Target Date vs Self Constructed Active Fund Allocation
Replies: 3
Views: 290

403B Q: TRP Target Date vs Self Constructed Active Fund Allocation

Can I have your opinion on what I should do? Background info: I'm 33 My goal is to retire early in 24 years (2040) My wife and I both have state pensions My 403B through my school is not very good and I am debating between the possible two paths 1. 100% in T Rowe Price 2040 Target Fund (rrtdx) Expen...
by MrVargas
Sun Feb 28, 2016 6:29 pm
Forum: Investing - Help with Personal Investments
Topic: Give me the 101 on Corporate Bond Funds
Replies: 7
Views: 992

Re: Give me the 101 on Corporate Bond Funds

I have never looked seriously at Corporate Bonds (I have only ever used Total Bond Fund or Government Bond Funds). I just glanced at the Vanguard Long-Term Corporate Bond ETF and was a little surprised by the yield which is 4.89%. That seems like a pretty good deal. That's a higher yield than Vangu...
by MrVargas
Sun Feb 28, 2016 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: Give me the 101 on Corporate Bond Funds
Replies: 7
Views: 992

Give me the 101 on Corporate Bond Funds

I have never looked seriously at Corporate Bonds (I have only ever used Total Bond Fund or Government Bond Funds). I just glanced at the Vanguard Long-Term Corporate Bond ETF and was a little surprised by the yield which is 4.89%. That seems like a pretty good deal. That's a higher yield than Vangua...
by MrVargas
Thu Feb 25, 2016 2:49 pm
Forum: Investing - Theory, News & General
Topic: What withdrawal % are you planning on?
Replies: 89
Views: 7634

Re: What withdrawal % are you planning on?

I'm only 33 and my wife and I both have pensions at very stable jobs so it's a little difficult to project out nearly 30 years from now. However from looking at the Trinity Study, 4% on a 50% stock/ 50% Bond mix seemed to be the one that appealed that seemed to make the most sense from a numbers sta...
by MrVargas
Mon Feb 22, 2016 3:52 pm
Forum: Investing - Theory, News & General
Topic: At what rate would you borrow to invest?
Replies: 81
Views: 7583

Re: At what rate would you borrow to invest?

1% or less. Even if it was available I think I'm too lazy to pursue this unless it was very easy to obtain. But yeah, if I could borrow money at 1% interest or less and the monthly payments were say interest only, I'd do it. As far as how I'd invest, maybe I'd go for the Permanent Portfolio or somet...
by MrVargas
Tue Feb 16, 2016 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: 403b provider choices
Replies: 54
Views: 4117

Re: 403b provider choices

I had similar options in my 403b (littered with insurance companies selling crappy annuities). I contacted my school district and after expressing my disappointment they steered me towards one of the firms that had a mutual fund option and lower fees. Looking at your list, I'd check out the companie...
by MrVargas
Tue Feb 16, 2016 1:58 pm
Forum: Personal Consumer Issues
Topic: Weight Loss Plans?
Replies: 178
Views: 16464

Re: Weight Loss Plans?

Weight Watchers is the only thing that works for me (I'm down 35 lbs from my peak). I was very hesitant to join as I think everything is a scam. The accountability of weigh-in's and meetings and their nutritional guidelines seem to click with me. BTW, they recently changed their points system to ste...
by MrVargas
Mon Feb 15, 2016 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Just an FYI for anyone using H&R Block online
Replies: 7
Views: 845

Re: Just an FYI for anyone using H&R Block online

I think you did something wrong. I am also a teacher and I used H&R block online and I was able to deduct the $250 educator expense.
by MrVargas
Sat Feb 13, 2016 6:23 pm
Forum: Investing - Theory, News & General
Topic: Stocks / Bonds / Gold Portfolio Backtested
Replies: 7
Views: 1127

Re: Stocks / Bonds / Gold Portfolio Backtested

Why did you pick 1971 as a starting point? That's the year the data starts as the portfolio visualizer. If you know of a tool that would let me start earlier, let me know. I'm not familiar with these tools, but using what you've already got, how do the results look if you use a starting point of 19...
by MrVargas
Sat Feb 13, 2016 6:16 pm
Forum: Investing - Theory, News & General
Topic: Stocks / Bonds / Gold Portfolio Backtested
Replies: 7
Views: 1127

Re: Stocks / Bonds / Gold Portfolio Backtested

climber2020 wrote:Why did you pick 1971 as a starting point?
That's the year the data starts at portfoliovisualizer.com. If you know of a tool that would let me start earlier, let me know.
by MrVargas
Sat Feb 13, 2016 6:15 pm
Forum: Investing - Theory, News & General
Topic: S&P500 has basically gone nowhere for 15 years
Replies: 59
Views: 7760

Re: S&P500 has basically gone nowhere for 15 years

Wow the comments on that guy's post are alarming, very uneducated people. The lack of financial and investment knowledge in the real world is mind-blowing. At my job (I'm a high school teacher) I have encountered 2 people that have any solid understanding of investing (one is the principal who come...
by MrVargas
Sat Feb 13, 2016 6:08 pm
Forum: Investing - Theory, News & General
Topic: Stocks / Bonds / Gold Portfolio Backtested
Replies: 7
Views: 1127

Stocks / Bonds / Gold Portfolio Backtested

I was reading about Permanent Portfolio and I was wondering how it would fair without the 25% allocation to cash. So I backtested a 1/3 stocks, 1/3 bonds, 1/3 Gold. I was pretty impressed with the results. The $10,000 grows at a CAGR of 9.41 and would end up as $523,485. The best year was a whopping...
by MrVargas
Fri Feb 12, 2016 1:09 pm
Forum: Investing - Theory, News & General
Topic: Any regrets by people 50+ for having a conservative portfolio in their 30's
Replies: 68
Views: 9010

Re: Any regrets by people 50+ for having a conservative portfolio in their 30's

I am 49 and was always 100% equities until very recent years because I didn't know any better. Now I am staying around 74-78% equities and I am comfortable with those numbers. We probably have about 14 years before we will need to touch the money. I don't regret being 100% equities, mainly because ...
by MrVargas
Thu Feb 11, 2016 8:21 am
Forum: Investing - Theory, News & General
Topic: Boglehead mentality re todays oil price
Replies: 59
Views: 5011

Re: Boglehead mentality re todays oil price

Thank you for this thread. I had a momentary impulsive urge today to put some money into Oil but reading this thread reminded me of the principles that brought me here. The money stays in my Target Retirement Fund. :happy
by MrVargas
Tue Feb 09, 2016 11:57 am
Forum: Investing - Help with Personal Investments
Topic: Advice on my lackluster 403B options
Replies: 9
Views: 590

Re: Adice on my lackluster 403b options

runner9 wrote:Duplicate of here, flagged for deletion:

viewtopic.php?f=10&t=184226
I posted it on the wrong board. I indicated in that thread for it be merged. Sorry for the duplicate post.
by MrVargas
Tue Feb 09, 2016 11:11 am
Forum: Investing - Help with Personal Investments
Topic: Advice on my lackluster 403B options
Replies: 9
Views: 590

Re: Advice on my lackluster 403B options

I just realized that I posted this in the wrong board. I reposted over there. Mods, you are welcome to merge threads. Thanks.
by MrVargas
Tue Feb 09, 2016 10:21 am
Forum: Investing - Help with Personal Investments
Topic: Advice on my lackluster 403B options
Replies: 9
Views: 590

Advice on my lackluster 403B options

I am 33 years old and have the below options available to me within my 403B plan. They are not great. There is a Vanguard S&P 500 but as you can see after the Custodian's fund fee's it's no longer a great deal. Also the custodian expenses are higher (.60) and I don't like the way they deduct fro...
by MrVargas
Fri Jan 15, 2016 12:40 pm
Forum: Investing - Help with Personal Investments
Topic: Is this bad 403B even worth doing?
Replies: 5
Views: 436

Is this bad 403B even worth doing?

My 403B comes with a wrapper fee of about 1.25% on top of the fund expenses. There are some index funds to pick from but they are not of the affordable variety. They have expense ratios around .5%. Is it even worth investing in the 403B with a total expense ratio of around 1.75%? My plan is to max o...
by MrVargas
Tue Jan 12, 2016 11:23 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3511
Views: 905848

Re: U.S. stocks in freefall

I don't know anything about anything and I can find a flaw in your arguments. Every single one. IT'S ALREADY PRICED IN! The thousands of investors, many with high iq's, ivy league degrees, decades of experience and look at these numbers daily have spoken and about half the money thinks prices are t...
by MrVargas
Fri Jan 08, 2016 12:19 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3511
Views: 905848

Re: U.S. stocks in freefall

I'd like to point out that my move to bonds wasn't initiated because of the movement of the Chinese market, it was a trigger. My movement was based far more on geopolitical concerns. The Chinese market move only served as confirmation (bias) of some larger trends. I'll sum it up briefly so we can a...
by MrVargas
Sun Nov 29, 2015 5:20 pm
Forum: Investing - Theory, News & General
Topic: 70/30 w/Treasuries Only or 60/40 w/Total Bond?
Replies: 23
Views: 4097

Re: 70/30 w/Treasuries Only or 60/40 w/Total Bond?

I've heard it mentioned that Treasures are like ultra-short duration bonds? Is there any truth to that? If so I would think that the 70/30 Treasures Only mix would have a slightly higher yield as well as slightly higher risk since the Percent of Stock vs. Stable Investment (Bond or Treasures) is mak...
by MrVargas
Mon Oct 19, 2015 10:35 am
Forum: Investing - Help with Personal Investments
Topic: Is any of my capital at risk b/c of the Lawsuit
Replies: 22
Views: 3457

Is any of my capital at risk b/c of the Lawsuit

I'm sure most of you are aware of the lawsuit against Vanguard (read https://www.bogleheads.org/forum/viewtopic.php?f=10&t=143686&start=450 ). It keeps bothering me that the company that is holding my retirement assets is involved in a lawsuit where they could theoretically owe millions/bill...
by MrVargas
Wed Sep 09, 2015 8:38 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3511
Views: 905848

Re: U.S. stocks in freefall

It Ii difficult to do anything in is environment. On the down day Friday, one could not buy for fear of catching a falling knife. On the up day Tuesday, one could not buy because the price was up too much. This morning, I wish I made a purchase yesterday. As far as I'm concerned buying "dips&q...
by MrVargas
Tue Sep 08, 2015 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: Could John Bogle Be Right About International Stock?
Replies: 222
Views: 29741

Re: Could John Bogle Be Right About International Stock?

The best choice will always be 100% in the single asset that returns the most over whatever span you are measuring. However since that is unknowable investing 100% in any asset is always the "wrong" choice. Currency Risks, Taxation issues, and the higher expense ratio of the total world s...
by MrVargas
Tue Sep 08, 2015 4:10 pm
Forum: Investing - Help with Personal Investments
Topic: Could John Bogle Be Right About International Stock?
Replies: 222
Views: 29741

Re: Could John Bogle Be Right About International Stock?

The best choice will always be 100% in the single asset that returns the most over whatever span you are measuring. However since that is unknowable investing 100% in any asset is always the "wrong" choice. Currency Risks, Taxation issues, and the higher expense ratio of the total world st...
by MrVargas
Fri Sep 04, 2015 8:42 am
Forum: Investing - Theory, News & General
Topic: Index Investing for the Future
Replies: 16
Views: 1676

Re: Index Investing for the Future

Would it not be a safer bet to find specific opportunities within the stock market itself? That way, you are not controlled by the growth of the general market, rather you carefully select issues that would appear to be defensive and more conservative? The problem is that any information you know a...
by MrVargas
Fri Sep 04, 2015 8:29 am
Forum: Investing - Theory, News & General
Topic: Beware of the Death Cross
Replies: 17
Views: 3433

Re: Beware of the Death Cross

Thanks for posting. Reassuring to read.
by MrVargas
Wed Sep 02, 2015 2:19 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3511
Views: 905848

Re: U.S. stocks in freefall

A genuine question for those who believe there is nothing to fret about; what potential GOOD news do you see coming out in the next few months that would counteract the collapse of the global commodities market and China's declining importation of said raw materials? I am in a position to gamble gi...
by MrVargas
Wed Sep 02, 2015 2:13 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey's Advice - Evaluated with Actual Returns from His Company's 401K
Replies: 20
Views: 3630

Re: Dave Ramsey's Advice - Evaluated with Actual Returns from His Company's 401K

His advice for the accumulation phase of retirement is "ok." It's his advice in retirement and near-retirement that is downright dangerous. He wants you to be in 100% equities and has suggested an 8% withdrawal rate as reasonable. That is way too volatile and risky for most people.
by MrVargas
Fri Aug 21, 2015 9:53 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3511
Views: 905848

Re: U.S. stocks in freefall

I went to Cash a week or so ago in my Roth IRA because I'm moving from Schwab to Vanguard and I figured cash would be easier to move. Not a market timer but feels good to have dodged a few percentage points of losses by accident. I will jump back in once the transfer is complete.
by MrVargas
Thu Aug 13, 2015 9:04 pm
Forum: Investing - Theory, News & General
Topic: Emerging Markets Equity % of AA
Replies: 24
Views: 2650

Re: Emerging Markets Equity % of AA

20% of my equities. 16% of my entire portfolio. I'm obviously overweight in them
by MrVargas
Tue Aug 11, 2015 10:26 pm
Forum: Investing - Theory, News & General
Topic: New $1 additional investment minimum at Vanguard
Replies: 28
Views: 6376

Re: New $1 additional investment minimum at Vanguard

The new $1 minimum at Vanguard is lower than all the others I am aware of. For example, Fidelity is $10, and Schwab is $100. Automate Your Investments is a gee-whiz piece on considerations. Of course all require you to invest in their funds to avoid fees. Schwab is $100 minimum initial and $1 for a...
by MrVargas
Fri Aug 07, 2015 8:23 am
Forum: Investing - Help with Personal Investments
Topic: Opinions on this allocation/glide path
Replies: 13
Views: 1601

Re: Opinions on this allocation/glide path

Wade Pfau recently published a research paper regarding glide paths. He recommends a "rising equity guide path." I think he makes a lot of sense. There was a recent thread on this topic if you want to search for it. Here is a quote: Wade Pfau – Rising Equity Glide Path "the optimal e...
by MrVargas
Wed Aug 05, 2015 8:33 pm
Forum: Investing - Theory, News & General
Topic: New $1 additional investment minimum at Vanguard
Replies: 28
Views: 6376

Re: New $1 additional investment minimum at Vanguard

The new $1 minimum at Vanguard is lower than all the others I am aware of. For example, Fidelity is $10, and Schwab is $100. Automate Your Investments is a gee-whiz piece on considerations. Of course all require you to invest in their funds to avoid fees. Schwab is $100 minimum initial and $1 for a...
by MrVargas
Mon Aug 03, 2015 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: Should I be concerned with my Emerging Markets Fund?
Replies: 11
Views: 1681

Should I be concerned with my Emerging Markets Fund?

I am new to investing (I started my first Roth IRA 8 Months ago). I began with Schwab because I don't have a lot to contribute and Schwab has very low minimums ($100 to buy in a fund and $1 for additional contributions) as well as some competitive index funds. My desired asset allocation puts a cert...
by MrVargas
Wed Jul 29, 2015 9:25 pm
Forum: Investing - Theory, News & General
Topic: Crazy Stock Investment Idea
Replies: 21
Views: 2401

Re: Crazy Stock Investment Idea

I found an ETF that uses a similar strategy It's called the ALPS Sector Dividend Dogs ETF (SDOG), it is based on the S-Network Sector Dividend Dogs Index (^SDOGX). (http://sdogx.snetglobalindexes.com). I'll have to dig into performance comparisons later.
by MrVargas
Wed Jul 29, 2015 11:27 am
Forum: Investing - Theory, News & General
Topic: Crazy Stock Investment Idea
Replies: 21
Views: 2401

Crazy Stock Investment Idea

First of all, I invest in only index funds and I am not seriously considering the following, this is just one of the hundreds of ideas and thoughts that come to mind. What if I systematically purchased $1000 of stock in the lowest p/e stock in the S&P 500. Whatever sector that was in, cross it o...
by MrVargas
Wed Jun 03, 2015 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: [Unequal Income] Spouse Tax Withholding strategy
Replies: 10
Views: 1216

Re: Unbalanced Spouse Tax Withholding strategy

drawpoker wrote:Clearly, the OP may work in a school, but not as a teacher in the English Department :P :P :P

(I, as others, thought this was a question involving taxes and health insurance for a spouse with mental health issues)

LOL, yeah I'm a tech teacher.

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