Search found 9 matches

by Sloburn
Tue Mar 21, 2017 11:28 am
Forum: Investing - Help with Personal Investments
Topic: Need to Set Allocations. New Vanguard Acct.
Replies: 6
Views: 392

Re: Need to Set Allocations. New Vanguard Acct.

I can understand splitting them up to tilt one way or the other. Since I don't really want to predict which is the best way to tilt on that, I would keep them pretty much in line with the single fund (I think). Regarding the re-balancing, does that not take care of itself with the single fund? Thanks.
by Sloburn
Mon Mar 20, 2017 6:15 pm
Forum: Investing - Help with Personal Investments
Topic: Need to Set Allocations. New Vanguard Acct.
Replies: 6
Views: 392

Re: Need to Set Allocations. New Vanguard Acct.

This is very useful. Thanks.

What about replacing both International funds with just the Total International Stock Fund VTIAX? That was my original suggestion but he recommended three funds to ....cover more I guess.
by Sloburn
Mon Mar 20, 2017 6:09 pm
Forum: Investing - Help with Personal Investments
Topic: Need to Set Allocations. New Vanguard Acct.
Replies: 6
Views: 392

Re: Need to Set Allocations. New Vanguard Acct.

Thanks for the reply. We do both have 401Ks that we max out each year but they have terrible options (especially mine). We are both in target date funds that are doing fine. I asked if we should put bonds there and equities in the Taxable act. and the VG guy said it would be complicated and advised ...
by Sloburn
Mon Mar 20, 2017 5:35 pm
Forum: Investing - Help with Personal Investments
Topic: Need to Set Allocations. New Vanguard Acct.
Replies: 6
Views: 392

Need to Set Allocations. New Vanguard Acct.

Hi, My wife and I are just getting started with Index Fund Investing. We had a financial adviser and we are unhappy for all the reasons we read about here. We want to simplify and do things the Boglehead way. As newbies, we have contacted a Vanguard Personal Adviser and gotten his suggestions but we...
by Sloburn
Wed Feb 22, 2017 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: Desired AA: Added Value of Across vs. Within
Replies: 4
Views: 318

Re: Desired AA: Added Value of Across vs. Within

I am wondering about a similar situation. I am starting a Vanguard acct. now and both my wife and I have 401(k)s with target date funds. We have had a windfall and are trying to decide if we should leave the target date funds in the 401(k)s and a balanced portfolio with Vanguard or switch to bonds i...
by Sloburn
Wed Feb 22, 2017 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Multiple Bond Funds?
Replies: 8
Views: 592

Re: Multiple Bond Funds?

Also, the adviser pointed out that he has no access to our 401(k)s but he is advising us to leave our target date funds alone there. Shouldn't we have all of our bonds in the 401(K)s and stocks in the new taxable portfolio? Or will that make balancing or tax loss harvesting complicated?
by Sloburn
Wed Feb 22, 2017 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: Multiple Bond Funds?
Replies: 8
Views: 592

Re: Multiple Bond Funds?

The Vanguard adviser is saying we should leave our 401(k)s in the target date funds they are in and get three bond funds and I don't know what stock funds yet for our Vanguard portfolio but I let him know I wanted to keep it simple. You should probably also be using IRAs, unless your level of incom...
by Sloburn
Wed Feb 22, 2017 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: Multiple Bond Funds?
Replies: 8
Views: 592

Re: Multiple Bond Funds?

Yes, it's a taxable acct. I don't know which specific funds yet- we only had an initial call and we are set up to actually get things going on Monday. We both have 401(k)s and they are maxed out each year. No IRAs but I want to look into that. The Vanguard adviser is saying we should leave our 401(k...
by Sloburn
Tue Feb 21, 2017 6:49 pm
Forum: Investing - Help with Personal Investments
Topic: Multiple Bond Funds?
Replies: 8
Views: 592

Multiple Bond Funds?

Hi, I have been lurking and reading and I am sold on the Boglehead approach to investing. My wife and I have funds with a traditional adviser and want to set up a 3 or 4 fund Vanguard portfolio. The plan is to use a Vanguard Personal Adviser to help transfer everything over and get started, then tak...