Search found 13 matches

by Retired CPA
Thu May 18, 2017 6:08 pm
Forum: Personal Consumer Issues
Topic: Chandler, AZ
Replies: 35
Views: 3215

Re: Chandler, AZ

Thank you for all of your replies. Here's a bit more background as to why we are zeroing in on the Chandler area. We have a son and daughter-in-law who live in Ahwatukee, and a son-in-law (with daughter and grandson) who has just accepted a position with a company in Mesa. We'd like to live near bot...
by Retired CPA
Thu May 18, 2017 9:29 am
Forum: Personal Consumer Issues
Topic: Chandler, AZ
Replies: 35
Views: 3215

Chandler, AZ

We will be relocating from South Bend, IN to the Phoenix area this summer, and I was curious if any Bogleheads could offer a recommendation to me for a real estate professional in the Chandler area who specializes in high end home rentals, as we will looking to rent for awhile while we learn the lay...
by Retired CPA
Fri Mar 10, 2017 8:31 pm
Forum: Investing - Theory, News & General
Topic: Anyone sorry they used bonds when starting out
Replies: 94
Views: 7882

Re: Anyone sorry they used bonds when starting out

I have always been invested on the more conservative end of the curve (Vanguard Index Funds since becoming a BH) and, at age 62 and retired, I have reached that part of the game where the quarterback with a substantial lead keeps the ball on the ground and ultimately takes a knee. That's where I str...
by Retired CPA
Wed Mar 08, 2017 10:36 am
Forum: Investing - Help with Personal Investments
Topic: Individual Funds Vs. Fund of Funds
Replies: 26
Views: 1004

Re: Individual Funds Vs. Fund of Funds

Perhaps there are extra expenses in the Deferred Comp. plan that are greater for someone having several Vanguard funds vs. the single Vanguard "fund of funds" if so wouldn't savings be possible by rolling over the entire Deferred Comp. plan to an individual rollover IRA at Vanguard or som...
by Retired CPA
Wed Mar 08, 2017 10:19 am
Forum: Investing - Help with Personal Investments
Topic: Individual Funds Vs. Fund of Funds
Replies: 26
Views: 1004

Re: Individual Funds Vs. Fund of Funds

If you stick to the plan, automate your savings, and rebalance when required, you can get the best of both worlds -- lower costs, greater flexibility, and lower average cost per share. I consider myself a disciplined investor, thanks in no small part to the Bogleheads philosophy, and it is my plan,...
by Retired CPA
Wed Mar 08, 2017 9:24 am
Forum: Investing - Help with Personal Investments
Topic: Individual Funds Vs. Fund of Funds
Replies: 26
Views: 1004

Re: Individual Funds Vs. Fund of Funds

Are you sure you calculated that correctly? LifeStrategy Moderate Growth, for example, is 0.14% expense ratio. Its components, as admiral funds, have a blended expense ratio of 0.0757% I think. The difference is 0.0643%. $7000/.000643 = over $10 million dollars. If that is what you are talking abou...
by Retired CPA
Wed Mar 08, 2017 9:11 am
Forum: Investing - Help with Personal Investments
Topic: Individual Funds Vs. Fund of Funds
Replies: 26
Views: 1004

Re: Individual Funds Vs. Fund of Funds

This is one example of a blended fund outperforming the individual funds by far more than their cost benefits, even when allocated at the same weights. Plug in your own specifics to see what things look like. I don't know exactly why this happens, but I suspect it is due to the specifics of how and...
by Retired CPA
Wed Mar 08, 2017 9:04 am
Forum: Investing - Help with Personal Investments
Topic: Individual Funds Vs. Fund of Funds
Replies: 26
Views: 1004

Re: Individual Funds Vs. Fund of Funds

In my limited research of how the various Vanguard blended funds do vs. their constituent parts, I often find that historically the blended funds have outperformed even accounting for their additional cost. I would look carefully at this before making this switch to save $7k. The presence of the In...
by Retired CPA
Wed Mar 08, 2017 8:50 am
Forum: Investing - Help with Personal Investments
Topic: Individual Funds Vs. Fund of Funds
Replies: 26
Views: 1004

Re: Individual Funds Vs. Fund of Funds

The only thing to consider is if you want to/are able to rebalance in the future instead of a set it and forget it approach. And if you want to/are able to rebalance confidently, are you going to take advantage of that situation to tinker with your allocation or just get it back to where it needs t...
by Retired CPA
Wed Mar 08, 2017 8:43 am
Forum: Investing - Help with Personal Investments
Topic: Individual Funds Vs. Fund of Funds
Replies: 26
Views: 1004

Re: Individual Funds Vs. Fund of Funds

Since it appears that these accounts are taxed only on withdrawals, I think you are not overlooking anything and should do this. You have a nice chunk of change if this switch will save $7K+ annually. At some point RMDs will come out of these accounts and be too large to spend, so you should have s...
by Retired CPA
Wed Mar 08, 2017 8:33 am
Forum: Investing - Help with Personal Investments
Topic: Individual Funds Vs. Fund of Funds
Replies: 26
Views: 1004

Re: Individual Funds Vs. Fund of Funds

I don't understand. You are simply moving the funds to their admiral share equivalents? There's nothing wrong with that if these funds fit your needs. JT JT, thank you for your reply. The investment lineup offered to participants in the deferred comp plan includes the Vanguard LifeStrategy/Target R...
by Retired CPA
Wed Mar 08, 2017 7:22 am
Forum: Investing - Help with Personal Investments
Topic: Individual Funds Vs. Fund of Funds
Replies: 26
Views: 1004

Individual Funds Vs. Fund of Funds

Good morning to all. I have always found this community to be tremendously helpful in providing fresh perspectives on investing decisions that I am pondering, and this is just one more such circumstance. I have an opportunity to save what appears to be in excess of $7,000 in annual fund expenses by ...
by Retired CPA
Mon Jan 30, 2017 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct Donation Assistant
Replies: 13
Views: 2533

Re: TaxAct Donation Assistant

I've been using It's Deductible Online for several years now, and have been quite pleased with it. You can find it at:

https://turbotax.intuit.com/personal-ta ... deductible