Search found 246 matches

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: 488

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: 488

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: 488

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: 488

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: 14
Views: 949

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: 14
Views: 949

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: 1682

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: 432

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: 1682

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: 1682

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: 1682

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: 286

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: 1498

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: 453

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: 453

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: 453

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: 953

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: 953

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: 953

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: 1540

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
Sat Mar 04, 2017 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: adding a small cap fund on Brokerage
Replies: 3
Views: 449

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: 449

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: 1078

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: 443

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: 443

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: 1657

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: 1657

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: 1657

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: 1657

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: 710

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: 843

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: 843

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: 843

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: 736

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: 736

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: 736

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: 710

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: 710

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: 710

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: 710

Vanguard Diversified Equity Fund (VDEQX) on taxable

new president, maybe adding a new fund .... what you all think?
by jafcorrea
Wed Jan 18, 2017 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: Investing $5-$15k, I am a Newb - What should I do?
Replies: 6
Views: 674

Re: Investing $5-$15k, I am a Newb - What should I do?

Hello guys i'm new here, I have a bare minimum knowledge regarding stocks and investment. I'd like to know what I should do in my situation. Right now there is $30k in my checkings account, I have no debt and no rent or bills. I'm thinking I should put $15k in a savings, invest $5k, and leave the o...
by jafcorrea
Tue Jan 17, 2017 5:28 pm
Forum: Investing - Help with Personal Investments
Topic: Alternative investments to prepaying Mortgage
Replies: 20
Views: 2362

Re: Alternative investments to prepaying Mortgage

I've about 5 years left on a 10 year 3.25% mortgage and am wondering whether to prepay the balance (around 150K) in one lump sum. I do have that much in cash, and do not anticipate needing it in the next 5 years. 401k IRA, fully maxed out each year, large emergency fund. Right now,that sum in cash ...
by jafcorrea
Tue Jan 17, 2017 2:47 pm
Forum: Investing - Help with Personal Investments
Topic: helping a friend .. 401k and roth IRA question
Replies: 11
Views: 686

Re: helping a friend .. 401k and roth IRA question

2016 gross income 185K , no contribution to 401k see https://www.irs.gov/retirement-plans/plan-participant-employee/amount-of-roth-ira-contributions-that-you-can-make-for-2016 If your MAGI is >$184,000 but < $194,000 you can contribute "a reduced amount" from the full $5500. The reduction...
by jafcorrea
Mon Jan 16, 2017 10:29 pm
Forum: Investing - Help with Personal Investments
Topic: Helping family member with taxable account
Replies: 11
Views: 526

Re: Helping family member with taxable account

surprise a three fund BH porftolio: VTSAX/VTIAX/a Muni is a good base taxable account along with some spare EF cash as powder. so if I go with those as the taxable account base should I change some of the retirement accounts from a target retirement fund to a bond fund to keep their overall asset a...
by jafcorrea
Mon Jan 16, 2017 10:26 pm
Forum: Investing - Help with Personal Investments
Topic: Helping family member with taxable account
Replies: 11
Views: 526

Re: Helping family member with taxable account

surprise a three fund BH porftolio: VTSAX/VTIAX/a Muni is a good base taxable account along with some spare EF cash as powder. so if I go with those as the taxable account base should I change some of the retirement accounts from a target retirement fund to a bond fund to keep their overall asset a...
by jafcorrea
Mon Jan 16, 2017 9:52 pm
Forum: Investing - Help with Personal Investments
Topic: helping a friend .. 401k and roth IRA question
Replies: 11
Views: 686

Re: helping a friend .. 401k and roth IRA question

question can he open a Roth IRA for her and send contribution .. $5500 / 2016 + $5500 / 2017 ... before April ? Maybe just barely....... google "roth ira income limits 2017" Is their $185k before or after the $18k 401k contribution? ... 18k was for a 2015 tax year , 2016 year 185K no cont...
by jafcorrea
Mon Jan 16, 2017 9:43 pm
Forum: Investing - Help with Personal Investments
Topic: Helping family member with taxable account
Replies: 11
Views: 526

Re: Helping family member with taxable account

I was thinking about about TSM but my concern is that would skew their stock allocation too high for their age unless I increase their bond % within their retirement accounts ... not familiar with Fidelity funds, for IRA how about a 60/40 bonds or something similar to Vanguard Wellington Fund Admir...

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