Search found 253 matches

by jafcorrea
Wed May 24, 2017 9:54 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Growth (VIGAX) in taxable account?
Replies: 7
Views: 670

Re: Vanguard Growth (VIGAX) in taxable account?

I am not ready for a small caps tilt
maybe 2018 :mrgreen:
by jafcorrea
Wed May 24, 2017 7:05 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Growth (VIGAX) in taxable account?
Replies: 7
Views: 670

Vanguard Growth (VIGAX) in taxable account?

got my CA refund .. :beer

advantage in adding a new fund?
or just send $ to VTSAX

Any thoughts on this?
by jafcorrea
Sun May 14, 2017 10:44 pm
Forum: Investing - Help with Personal Investments
Topic: international funds question
Replies: 15
Views: 1263

Re: international funds question

thanks all

:sharebeer
by jafcorrea
Fri May 12, 2017 9:36 pm
Forum: Investing - Help with Personal Investments
Topic: adding Vanguard Growth VIGAX in taxable?
Replies: 3
Views: 276

Re: adding Vanguard Growth VIGAX in taxable?

Growth Index is already part of your Total Stock Market, so the only reason to add it would be if you have some reason to overweight growth in your taxable account (say, because you have a value fund in your 401(k)). There is no particular reason to expect growth stocks to outperform other stocks. ...
by jafcorrea
Fri May 12, 2017 9:24 pm
Forum: Investing - Help with Personal Investments
Topic: adding Vanguard Growth VIGAX in taxable?
Replies: 3
Views: 276

adding Vanguard Growth VIGAX in taxable?

comments please?

or just keep adding the extra $ on the funds I already have?
TSM, EM, DM


:beer
by jafcorrea
Sun May 07, 2017 8:59 pm
Forum: Investing - Help with Personal Investments
Topic: Buying vacation home
Replies: 29
Views: 3340

Re: Buying vacation home

Have one in Maui since 2005, tired to deal with airbnb, vrbo etc .. some work needed if you want to make money

Lately I am thinking in selling and start renting when go vacations.

:sharebeer
by jafcorrea
Mon May 01, 2017 7:59 pm
Forum: Investing - Help with Personal Investments
Topic: If you had 30,000 dollars to invest in your future, how would you do it?
Replies: 49
Views: 4976

Re: If you had 30,000 dollars to invest in your future, how would you do it?

Go to Vanguard.com and open your Roth IRA and contribute $5500 for the year 2017 ... VTSMX fund ( every year you can contribute max $5500 for this fund)

Go to Ally.com and open a saving account with the remain balance @ 1%, next year 2018 / 2019 send another $5500 to the same fund
by jafcorrea
Thu Apr 20, 2017 9:50 am
Forum: Investing - Help with Personal Investments
Topic: individual 401k to traditional ira question
Replies: 7
Views: 562

Re: individual 401k to traditional ira question

planning to call vanguard and see if they allow tranfer the "employee" contribution to TIRA
by jafcorrea
Wed Apr 19, 2017 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: individual 401k to traditional ira question
Replies: 7
Views: 562

Re: individual 401k to traditional ira question

Are you an active current employee? If yes, then any contributions from your current employer plan can't be rolled out of the plan until you leave, get fired, etc. This is not entirely true. If you are not happy with the expense ratios of your current plan, why don't you just amend your plan to the...
by jafcorrea
Wed Apr 19, 2017 5:43 pm
Forum: Investing - Help with Personal Investments
Topic: individual 401k to traditional ira question
Replies: 7
Views: 562

Re: individual 401k to traditional ira question

Are you an active current employee? If yes, then any contributions from your current employer plan can't be rolled out of the plan until you leave, get fired, etc. Now if you transferred money from a rollover IRA into your current plan and now want to roll it out of the plan, that's possible. Be mi...
by jafcorrea
Wed Apr 19, 2017 5:11 pm
Forum: Investing - Help with Personal Investments
Topic: individual 401k to traditional ira question
Replies: 7
Views: 562

individual 401k to traditional ira question

can you transfer funds from i401k to tira to take advantage on lower er? (all in vanguard)

can i transfer employee and employer contribution?

thanks in advance, .... trying to help a colleague
by jafcorrea
Thu Apr 13, 2017 8:59 am
Forum: Investing - Help with Personal Investments
Topic: international funds question
Replies: 15
Views: 1263

Re: international funds question

These are two different beasts. Emerging Markets and Developed Markets equally is more volatile and risky. Total International contains about 20% Emerging Markets which is believed to be market weight. The number of stocks in each fund is not representative of what constitutes a sound investment. T...
by jafcorrea
Wed Apr 12, 2017 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: international funds question
Replies: 15
Views: 1263

international funds question

what is a best investment and why .... option 1 or 2

1- Vanguard Emerging Markets VEMAX 4248 stocks + Vanguard Developed Markets VTMGX 3795 stocks ... = 8043 stocks

2- Vanguard Tot Intl VTIAX = 6060 stocks


:sharebeer
by jafcorrea
Tue Apr 11, 2017 10:22 am
Forum: Investing - Help with Personal Investments
Topic: VG has any funds for Frontier Markets??
Replies: 23
Views: 1839

Re: VG has any funds for Frontier Markets??

harvestbook wrote:
jafcorrea wrote:YTD 22.01% [/b][/color] :greedy


FM's lost 66 percent in 2008...okay, can you find what is the gain from 2008 until today? [/quote]
by jafcorrea
Sun Apr 09, 2017 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: Passive (3-fund) with an Active (Wellington) component
Replies: 3
Views: 513

Re: Passive (3-fund) with an Active (Wellington) component

I have LG and Wellington 60/40 less ER

Very happy
by jafcorrea
Sat Apr 08, 2017 6:40 pm
Forum: Investing - Help with Personal Investments
Topic: VG has any funds for Frontier Markets??
Replies: 23
Views: 1839

Re: VG has any funds for Frontier Markets??

It looks like the cheapest frontier market ETF is now FRN with "only" a 0.70% expense ratio. I must admit that I'm tempted to put 0.3% of my stock investments in there now that I've gone to the trouble of calculating the number (their fraction of world equity market cap) ... YTD 22.01% :g...
by jafcorrea
Fri Apr 07, 2017 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: VG has any funds for Frontier Markets??
Replies: 23
Views: 1839

Re: VG has any funds for Frontier Markets??

thanks all for the advice's and explanations :beer
by jafcorrea
Thu Apr 06, 2017 8:04 pm
Forum: Investing - Help with Personal Investments
Topic: VG has any funds for Frontier Markets??
Replies: 23
Views: 1839

Re: VG has any funds for Frontier Markets??

The Wizard wrote:Emerging markets you mean? .. no frontier market .. http://corporate.morningstar.com/US/doc ... c%2014.pdf
by jafcorrea
Sat Apr 01, 2017 8:38 pm
Forum: Investing - Help with Personal Investments
Topic: planning in add one largecap on taxable, opinion on funds
Replies: 2
Views: 327

planning in add one largecap on taxable, opinion on funds

my pics, investing 10k

opinions :mrgreen:

Vanguard Tax-Managed Capital Appreciation Fund Admiral Shares (VTCLX)

Vanguard Value Index Fund Admiral Shares (VVIAX)
by jafcorrea
Wed Mar 29, 2017 9:01 pm
Forum: Investing - Help with Personal Investments
Topic: About Wellington - VWENX
Replies: 9
Views: 1605

About Wellington - VWENX

do you think Wellington Fund Admiral Shares (VWENX) still a good option for the next decade or so? :confused
by jafcorrea
Sat Mar 18, 2017 10:21 am
Forum: Investing - Help with Personal Investments
Topic: looking at my vanguard app asset mix .. question
Replies: 4
Views: 484

Re: looking at my vanguard app asset mix .. question

I know if i decided to increase the % for small & mid in taxable

I know Vanguard Small-Cap Value Index Fund Admiral (VSIAX) is the good option for taxable

how about mid cap? .. any fund recommendation for taxable? .. how about Vanguard Extended Market Index Fund Admiral Shares (VEXAX)?


thanks
by jafcorrea
Thu Mar 16, 2017 10:18 pm
Forum: Investing - Help with Personal Investments
Topic: looking at my vanguard app asset mix .. question
Replies: 4
Views: 484

Re: looking at my vanguard app asset mix .. question

next column is ... us mkt 66.6 / 27.0 / 7.0 I believe this would be the benchmark or category average. diff 12.5 / -9.9 / -2.6 These numbers would show your current allocation to be either less than or more than benchmark or category average. You do not need to do anything. Your signature line make...
by jafcorrea
Thu Mar 16, 2017 6:43 pm
Forum: Investing - Help with Personal Investments
Topic: looking at my vanguard app asset mix .. question
Replies: 4
Views: 484

looking at my vanguard app asset mix .. question

looking at my vanguard app for the first time :mrgreen: on "Asset mix" found this info ... "domestic stocks 70%, and international 30% (I am OK with this)" but on domestic large-cap 78.5 mid-cap 17.1 small-cap 4.4 next column is ... us mkt 66.6 / 27.0 / 7.0 diff 12.5 / -9.9 / -2....
by jafcorrea
Fri Mar 10, 2017 11:48 am
Forum: Investing - Help with Personal Investments
Topic: tilt or not in taxable?
Replies: 14
Views: 1020

Re: tilt or not in taxable?

thanks all for the info,

i think I am ready for the small cap roller coaster ride, :mrgreen:
question now is what fund?
I narrow down in 2 options (buying 10k in taxable)

Vanguard Small-Cap Index Fund Admiral Shares (VSMAX)
or
Vanguard Small-Cap Value Index Fund Admiral (VSIAX)

advise needed
by jafcorrea
Thu Mar 09, 2017 9:28 am
Forum: Investing - Help with Personal Investments
Topic: tilt or not in taxable?
Replies: 14
Views: 1020

Re: tilt or not in taxable?

No tilt for you! :twisted: ....... okay, afraid to ask why! :shock: No particular reason. I think less is more in most cases. My reply was meant to sound similar to the famous "No soup for you!" line from the Soup Nazi on Seinfeld. Alas, we are already too many years removed from Seinfeld...
by jafcorrea
Thu Mar 09, 2017 12:03 am
Forum: Investing - Help with Personal Investments
Topic: tilt or not in taxable?
Replies: 14
Views: 1020

Re: tilt or not in taxable?

bloom2708 wrote:No tilt for you!
:twisted:
....... okay, afraid to ask why! :shock:
by jafcorrea
Wed Mar 08, 2017 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: Wellesley or Balanced index?
Replies: 26
Views: 1632

Re: Wellesley or Balanced index?

I think the next 10 or 15 years will be different from the last 10 or 15 so how .... Vanguard LifeStrategy Growth Fund (VASGX)
by jafcorrea
Wed Mar 08, 2017 10:08 am
Forum: Investing - Help with Personal Investments
Topic: tilt or not in taxable?
Replies: 14
Views: 1020

tilt or not in taxable?

:sharebeer
by jafcorrea
Sat Mar 04, 2017 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: adding a small cap fund on Brokerage
Replies: 3
Views: 472

Re: adding a small cap fund on Brokerage

StevieG72 wrote:You can't really go wrong with any of them.

They all have a low ER.

Just dont pick the one with the best past performance, for that reason alone...

besides Vanguard Tax-Managed Small-Cap Fund Admiral Shares (VTMSX) which fund is the most tax efficient?
by jafcorrea
Sat Mar 04, 2017 2:50 am
Forum: Investing - Help with Personal Investments
Topic: adding a small cap fund on Brokerage
Replies: 3
Views: 472

adding a small cap fund on Brokerage

which fund you recommend?

Vanguard Small-Cap Growth Index Fund Admiral (VSGAX) or
Vanguard Small-Cap Index Fund Admiral Shares (VSMAX) or
Vanguard Small-Cap Value Index Fund Admiral (VSIAX) or
Vanguard Tax-Managed Small-Cap Fund Admiral Shares (VTMSX)

:sharebeer
by jafcorrea
Wed Mar 01, 2017 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Advice For Buying A Home
Replies: 11
Views: 1125

Re: Advice For Buying A Home

rattlenap wrote:I am a first homebuyer and looking to get into a house here shortly. Are there any books, websites or even advice you might recommend so I can educate myself even further on home buying and getting the best deal I can? Thanks! .... find a good agent, if you need advice PM anytime.
by jafcorrea
Sat Feb 25, 2017 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: make sense? [Vanguard 500 Index vs. Total Stock Mkt]
Replies: 4
Views: 470

Re: make sense?

oldcomputerguy wrote:Not sure what you're asking. Do you mean advantage of these funds over others? Taxable account versus tax-advantaged?


No, question is .. what advantage to have those 2 funds in taxable or send contribution to only one?
by jafcorrea
Sat Feb 25, 2017 11:46 am
Forum: Investing - Help with Personal Investments
Topic: make sense? [Vanguard 500 Index vs. Total Stock Mkt]
Replies: 4
Views: 470

make sense? [Vanguard 500 Index vs. Total Stock Mkt]

what advantage to have those 2 funds in taxable? .... if any .... :confused

500 Index Fund (VFIAX) and Total Stock Market (VTSAX)
by jafcorrea
Sat Feb 11, 2017 3:40 pm
Forum: Investing - Help with Personal Investments
Topic: About Wellington VWENX
Replies: 14
Views: 1726

Re: About Wellington VWENX

What is it that attracts you to Wellington?.... past performance, funds has more stocks (66/33), ER not bad, and kind of set and forget, but since november 2016 its shows on VG site @ "unrealized gain/loss" I am negative almost 2,000 ... maybe is time to rethink on set & forget fund :...
by jafcorrea
Sat Feb 11, 2017 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: About Wellington VWENX
Replies: 14
Views: 1726

Re: About Wellington VWENX

VaR wrote:What is it that attracts you to Wellington?.... past performance, funds has more stocks (66/33), ER not bad, and kind of set and forget portfolio :mrgreen:
by jafcorrea
Sat Feb 11, 2017 2:35 pm
Forum: Investing - Help with Personal Investments
Topic: About Wellington VWENX
Replies: 14
Views: 1726

Re: About Wellington VWENX

steve roy wrote:'Twere me, I would put 60℅ in Lifestrategy and 40℅ in Wellington. Both worlds..... I was thinking the same,but I already 100% Lifestrategy on my Roth IRA, what do you think?
by jafcorrea
Sat Feb 11, 2017 1:15 pm
Forum: Investing - Help with Personal Investments
Topic: About Wellington VWENX
Replies: 14
Views: 1726

About Wellington VWENX

Do you think this still a good fund option for the next 10 to 15 years?

Or LifeStrategy Funds or a Target Retirement Funds are the best option

:confused
by jafcorrea
Tue Jan 24, 2017 10:58 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Diversified Equity Fund (VDEQX) on taxable
Replies: 9
Views: 751

Re: Vanguard Diversified Equity Fund (VDEQX) on taxable

Thanks all, anymore sugestion for taxable :greedy
by jafcorrea
Tue Jan 24, 2017 9:55 am
Forum: Investing - Help with Personal Investments
Topic: Bonds on taxable ... Again !
Replies: 8
Views: 887

Re: Bonds on taxable ... Again !

most of BH advice "age in bonds, so i need 50% bonds, the problem is I think is to conservative for today markets, I am okay with 70/30 or 65/35.

so easy question, make sense to have in taxable ?
Vanguard Tax-Managed Balanced Fund Admiral Shares (VTMFX)
by jafcorrea
Tue Jan 24, 2017 12:18 am
Forum: Investing - Help with Personal Investments
Topic: Bonds on taxable ... Again !
Replies: 8
Views: 887

Re: Bonds on taxable ... Again !

DSInvestor wrote:Instead of adding bonds in taxable, increase bonds in tax advantaged. If you like Wellington (60/40), consider Wellesley Income (40/60) in your SIMPLE-IRA.

for now not changing anything on Simple and Roth, :sharebeer
by jafcorrea
Tue Jan 24, 2017 12:05 am
Forum: Investing - Help with Personal Investments
Topic: Bonds on taxable ... Again !
Replies: 8
Views: 887

Bonds on taxable ... Again !

Hi all, having drinks with friends [OT comment removed by moderator prudent] the portfolio/investing :moneybag subject emerge ... and everyone told me that is time to add a bond fund on my taxable :confused Until now I was thinking that I am okay in bonds ... I have around 30% on my Simple IRA (Well...
by jafcorrea
Sat Jan 21, 2017 9:00 pm
Forum: Investing - Help with Personal Investments
Topic: what is the difference? [Van FTSE All-world ex-us / Van Totl Intl Stock]
Replies: 6
Views: 779

Re: what is the difference?

VTIAX includes small caps I'm not sure I would call 3.87 vs .29 a big enough bump to count but I guess its something. VFWAX is more for a slice-&-dicer Granted, it's not a huge difference in the relative amount of small cap, but VTIAX is market weight small cap vs VFWAX no small cap at all. But...
by jafcorrea
Sat Jan 21, 2017 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: what is the difference? [Van FTSE All-world ex-us / Van Totl Intl Stock]
Replies: 6
Views: 779

Re: what is the difference?

Raymond wrote:
patrick wrote:VTIAX includes small caps


And as far as I can also tell, that's about it.

So choose your flavor - Braum's vanilla ice cream or Blue Bell vanilla ice cream (I'm in Texas) - either one is good.

which one is a good choice in taxable? I already have VEMAX and TSAX
by jafcorrea
Sat Jan 21, 2017 5:20 pm
Forum: Investing - Help with Personal Investments
Topic: what is the difference? [Van FTSE All-world ex-us / Van Totl Intl Stock]
Replies: 6
Views: 779

what is the difference? [Van FTSE All-world ex-us / Van Totl Intl Stock]

beside ER and number of stocks

Vanguard FTSE All-World ex-US Index Fund Admiral (VFWAX)

and

Vanguard Total International Stock Index Fund Admiral Shares (VTIAX)

:confused
by jafcorrea
Sat Jan 21, 2017 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Diversified Equity Fund (VDEQX) on taxable
Replies: 9
Views: 751

Re: Vanguard Diversified Equity Fund (VDEQX) on taxable

naha66 wrote:I would look at VEIPX(Vanguard Equity-Income). Not everybody has to worry about investments in taxable.


https://www.portfoliovisualizer.com/bac ... isResults.. thanks :beer
by jafcorrea
Fri Jan 20, 2017 8:36 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Diversified Equity Fund (VDEQX) on taxable
Replies: 9
Views: 751

Re: Vanguard Diversified Equity Fund (VDEQX) on taxable

lack_ey wrote:Don't even think about active stock funds in taxable. It's hard enough beating an expense ratio. After tax? Good luck. .... :oops: ... what fund(s) do you recommend, have 10k p/month and would like to diversified (now i have TSM and EM)
by jafcorrea
Fri Jan 20, 2017 7:01 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Diversified Equity Fund (VDEQX) on taxable
Replies: 9
Views: 751

Re: Vanguard Diversified Equity Fund (VDEQX) on taxable

livesoft wrote:Not for me. I'm done collecting funds.....but for me who started "collecting funds" is this a good option?
by jafcorrea
Fri Jan 20, 2017 6:54 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Diversified Equity Fund (VDEQX) on taxable
Replies: 9
Views: 751

Vanguard Diversified Equity Fund (VDEQX) on taxable

new president, maybe adding a new fund .... what you all think?

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