Search found 33 matches

by jb1
Fri Apr 28, 2017 5:48 am
Forum: Investing - Help with Personal Investments
Topic: Slowly building my portfolio!
Replies: 4
Views: 568

Re: Slowly building my portfolio!

It's with MetLife. So your basic Russell 2000, international markets, midcap, MetLife total stock market. Hmm.... With those nice, low cost, Vanguard funds...how much are you paying for the MetLife funds? I'm honestly unsure. My dads friend set it up for me when I was younger. Deep down I'd love to...
by jb1
Thu Apr 27, 2017 11:15 pm
Forum: Investing - Help with Personal Investments
Topic: Slowly building my portfolio!
Replies: 4
Views: 568

Re: Slowly building my portfolio!

Checking it every day isn't terrible - it just takes time away from something else you could be doing instead. Reacting to daily changes (i.e., adjusting your asset allocation), however, would be bad. ;) Keep up the good work on regular investments! What does "set to Aggressive" mean (e.g...
by jb1
Thu Apr 27, 2017 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: Slowly building my portfolio!
Replies: 4
Views: 568

Slowly building my portfolio!

Hey all By far the best site ive been apart of. Im learning so much from everyone. Im currently 26. I have 11k in VTSMX (will be swtiched to VTSAX since I just hit 10k today). I also put in 3k to VBMFX. My goal next week is to put 3k into VGTSX. Starting in June, Id like to invest $400 in VTSMX, $20...
by jb1
Wed Apr 26, 2017 8:45 pm
Forum: Investing - Help with Personal Investments
Topic: Whats the rule of thumb with allocating?
Replies: 9
Views: 476

Re: Whats the rule of thumb with allocating?

Also I have 12k in XSLV and 5k in SPLV. Would you recommend selling them and putting it in VTSMX? That's a whole other conversation. Why did you invest in low-volatility funds in the first place? If you are looking to retreat from that approach and adopt a simpler "Three Fund" approach (a...
by jb1
Wed Apr 26, 2017 8:13 pm
Forum: Investing - Help with Personal Investments
Topic: Whats the rule of thumb with allocating?
Replies: 9
Views: 476

Re: Whats the rule of thumb with allocating?

Thanks for the answers I'm not sure why your US/Intl ratio would vary by age (for practical reasons, like fund minimums, you could be off target, but I would think your target would remain the same). There are many age-related bond rules you can use. None are necessarily superior. Yours looks reason...
by jb1
Wed Apr 26, 2017 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: Whats the rule of thumb with allocating?
Replies: 9
Views: 476

Whats the rule of thumb with allocating?

Im 26 now. Have 6k in VTSMX. Ill be adding $500 per month to it. At what point should I start shifting towards VGTSX and VBMFX? Age 30: 80% VTSMX, 10% VGTSX, 10% VBMFX Age 40: 60% VTSMX, 20% VGTSX, 20% VBMFX Age 50: 40% VTSMX, 20% VGTSX, 40% VBMFX Does this sound right? Also would you recommend a Ta...
by jb1
Wed Apr 05, 2017 7:31 pm
Forum: Investing - Help with Personal Investments
Topic: Leave money in VTSMX or move to VMMXX for when things go bad?
Replies: 10
Views: 724

Re: Leave money in VTSMX or move to VMMXX for when things go bad?

Thank you for the responses will continue to max our IRA and put $6k in VTSMX
by jb1
Wed Apr 05, 2017 7:22 pm
Forum: Investing - Help with Personal Investments
Topic: Leave money in VTSMX or move to VMMXX for when things go bad?
Replies: 10
Views: 724

Re: Leave money in VTSMX or move to VMMXX for when things go bad?

Hey guys, New investor here currently with $6k in VTSMX. I will be at $11k by the end of the year since ill put $500/month in it. If and when thing go bad, do you recommend moving the money to a money market account? Leaving it in VTSMX? What do you mean move the money when things go bad? Do you me...
by jb1
Wed Apr 05, 2017 7:05 pm
Forum: Investing - Help with Personal Investments
Topic: Leave money in VTSMX or move to VMMXX for when things go bad?
Replies: 10
Views: 724

Leave money in VTSMX or move to VMMXX for when things go bad?

Hey guys,

New investor here currently with $6k in VTSMX. I will be at $11k by the end of the year since ill put $500/month in it.

If and when thing go bad, do you recommend moving the money to a money market account? Leaving it in VTSMX?
by jb1
Mon Apr 03, 2017 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: Invest in increments or at once?
Replies: 4
Views: 358

Invest in increments or at once?

Hey guys

Was wondering if you think it would be better to invest 6k into VTSMX at once, or do $500 monthly. Pros? Cons?

Thanks!
by jb1
Thu Mar 23, 2017 8:19 pm
Forum: Investing - Help with Personal Investments
Topic: Advice investing in index funds
Replies: 9
Views: 870

Re: Advice investing in index funds

Welcome to the Boglehead forum and investing. To give you advice we need a little more information. How much do you plan to invest overall? Is this a one time investment or do you plan to contribute regularly? How much do you plan to invest over time say every month or year? Do you have access thro...
by jb1
Thu Mar 23, 2017 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: Advice investing in index funds
Replies: 9
Views: 870

Re: Advice investing in index funds

Welcome to the Boglehead forum and investing. To give you advice we need a little more information. How much do you plan to invest overall? Is this a one time investment or do you plan to contribute regularly? How much do you plan to invest over time say every month or year? Do you have access thro...
by jb1
Thu Mar 23, 2017 10:40 am
Forum: Investing - Help with Personal Investments
Topic: Advice investing in index funds
Replies: 9
Views: 870

Advice investing in index funds

Hello all. I have budgeted $700 to invest with. Already put $200/month in Roth IRA. With the $700 it is advised to keep putting it in vtsmx? In terms of risk, I would say I have trouble knowing how to properly rebalance my portfolio. I'm 26, my Ira is set to aggressive. Would it be recommended to pu...
by jb1
Wed Mar 22, 2017 8:58 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on ADR OTC stock??
Replies: 13
Views: 672

Re: Thoughts on ADR OTC stock??

Quality responses all around! Greatly appreciated.
by jb1
Wed Mar 22, 2017 6:18 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on ADR OTC stock??
Replies: 13
Views: 672

Re: Thoughts on ADR OTC stock??

Japan is hosting the Olympics in 2020 I suspect you are not the only person who knows that. Yeah, but who has the best timing? Buy now and the funds are tied up for 3 years. It's not going up so fast IMO. I'd wait till right before the 2018 Winter Olympics when discussion about 2020 will pique inte...
by jb1
Tue Mar 21, 2017 11:52 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on ADR OTC stock??
Replies: 13
Views: 672

Re: Thoughts on ADR OTC stock??

patrick wrote:
Japan is hosting the Olympics in 2020


I suspect you are not the only person who knows that.


Haha that's gotta have some impact no?
by jb1
Tue Mar 21, 2017 9:59 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on ADR OTC stock??
Replies: 13
Views: 672

Thoughts on ADR OTC stock??

Hey all, Ive noticed a trend in airline stocks. Each airline ive noticed has simple gone up! Theres one Ive been watching. ANA Holding is the name with the ticker of ALNPY. It is a Japanese airline. Since ive been watching it, it has gone up 50 cents (currently 6.34 now). Japan is hosting the Olympi...
by jb1
Mon Mar 20, 2017 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: Will new index funds ever come out?
Replies: 12
Views: 1356

Re: Will new index funds ever come out?

Great point. I know people here love the 3 fund system, but would you recommend VFINX? What is your goal? If your goal is to "own the market" with no sector tilts, Total Stock (VTSMX) is probably the purest single fund available for holding the entire US market. Buying an SP500 fund will ...
by jb1
Mon Mar 20, 2017 9:07 am
Forum: Investing - Help with Personal Investments
Topic: Will new index funds ever come out?
Replies: 12
Views: 1356

Re: Will new index funds ever come out?

The price of a mutual fund is meaningless. It is a unit-less measurement. Would you rather buy milk for $2.69 or $0.80? Oh, let me add that the units are gallon and quart respectively. Do you understand the illustration? The price of a mutual fund is meaningless. There is absolutely no difference b...
by jb1
Mon Mar 20, 2017 8:51 am
Forum: Investing - Help with Personal Investments
Topic: Will new index funds ever come out?
Replies: 12
Views: 1356

Will new index funds ever come out?

Hello all,

Currently in VTSMX. Looking to gt into VFINX/AX. However at that price point of $220, is it even worth it? Will a new SP index fund ever come out in the future
by jb1
Sun Feb 19, 2017 6:15 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on current situation?
Replies: 4
Views: 392

Re: Advice on current situation?

Might not be the kind of advice you are looking for but realistically I think the best thing you could do is pursue a job or career where you are making more income. The specifics of what you invest in are secondary to that. I moved to NC with my parents. NJ was too expensive. 20k a year is peanuts...
by jb1
Sun Feb 19, 2017 6:01 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on current situation?
Replies: 4
Views: 392

Advice on current situation?

Hey all, Great forum, [OT comment removed by moderator prudent] .. Anyway, heres my breakdown. Im 26 Have 10k in savings, 15k in etrade account trading low volatile ETFs (went up 2.5k) "Aggressive" Roth IRA with 12k in it (went up about 1k, always max it out) 3k in Vanguard VTSMX Now the c...
by jb1
Fri Feb 17, 2017 7:37 pm
Forum: Personal Consumer Issues
Topic: Off topic question of business licensing.
Replies: 0
Views: 158

Off topic question of business licensing.

Did this company get the "rights" to use these celebrities. I would like to do something similar.,

https://www.celebrityprayercandles.com/
by jb1
Mon Dec 26, 2016 8:41 am
Forum: Personal Finance (Not Investing)
Topic: 16 yo, first book on investing
Replies: 28
Views: 1822

Re: 16 yo, first book on investing

Thank God no one said rich dad poor dad... I've not read this book but do hear about it from time to time. What's so bad about it? I mean great book with very basic advice. However there is no need for Kiyosaki to make 12 books (Rich Dad Teen, Rich Dad Kids, Rich Dad Moms, Rich Dad Single Moms), in...
by jb1
Wed Dec 21, 2016 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: 16 yo, first book on investing
Replies: 28
Views: 1822

Re: 16 yo, first book on investing

Thank God no one said rich dad poor dad...
by jb1
Tue Dec 20, 2016 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on working for Metlife selling life insurance and IRA's?
Replies: 16
Views: 1869

Re: Thoughts on working for Metlife selling life insurance and IRA's?

Great points brought up here, I also would look into real estate as well. I think it would be beneficial for me as I can also learn about property value.
by jb1
Mon Dec 19, 2016 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on working for Metlife selling life insurance and IRA's?
Replies: 16
Views: 1869

Re: Thoughts on working for Metlife selling life insurance and Ira's?

I thought it would kinda be along the lines of "make y own hours" and get clients through referrals to start. Damn!
by jb1
Mon Dec 19, 2016 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on working for Metlife selling life insurance and IRA's?
Replies: 16
Views: 1869

Thoughts on working for Metlife selling life insurance and IRA's?

Hey all, Sorry if this is the wrong section, still getting used to the layout here. Ive been in a rut when it comes to jobs lately. Cannot find anything corporate to save me. My fathers friend works for Metlife and makes a very good living, easily 6 figures; selling life insurance and iras. My fathe...
by jb1
Tue Nov 29, 2016 10:22 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on my investments?
Replies: 16
Views: 2014

Re: Thoughts on my investments?

You are doing an exceptional job saving, and staying at home and saving till you can increase income is very prudent. I suggest a 3 fund portfolio, set it and forget it. Posts regarding increasing your income are correct. One way or another, you need to boost that, as you have an income problem. It...
by jb1
Mon Nov 28, 2016 10:59 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on my investments?
Replies: 16
Views: 2014

Re: Thoughts on my investments?

Invest in a nice, conservative suit; probably something in the $500 range and definitely from a store that will tailor it like Jos. A Bank or Mens Wearhouse. Add in some well polished shoes and, if you are a man, a sharp, dark tie. I think a modest portfolio adds to a professional appearance for an...
by jb1
Sun Nov 27, 2016 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on my investments?
Replies: 16
Views: 2014

Re: Thoughts on my investments?

Here is a great little pdf booklet written just for new investors: https://www.etf.com/docs/IfYouCan.pdf Looks like you may have to look further away to find jobs for which you are qualified. Have you worked with college placement office? Joined organizations involving your field of study? Gone on ...
by jb1
Sun Nov 27, 2016 10:50 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on my investments?
Replies: 16
Views: 2014

Re: Thoughts on my investments?

I currently make about $1500 a month in which I save $1300 of that for the most part. Congrats on being a dedicated saver. I recommend that you start investing in yourself buy attending college or a trade school in order to maximize your future earnings. An increased salary base, your saving habits...
by jb1
Sun Nov 27, 2016 8:42 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on my investments?
Replies: 16
Views: 2014

Thoughts on my investments?

Hey all, First post here and had a question on what you guys think of my investments so far. I'm 26, and have 13k in a moderate-aggressive Roth IRA (started when I was 23). The market has been rather neutral the past 3 years so it hasnt grown much. I also have 18k with Etrade in Low Volatile ETFs. I...

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