Search found 75 matches

by oinkyboinky
Fri Aug 18, 2017 5:11 pm
Forum: Investing - Help with Personal Investments
Topic: Employer 401k Rollover (Deduction Rules)
Replies: 5
Views: 302

Re: Employer 401k Rollover (Deduction Rules)

If I roll this over to an IRA at Vanguard and subsequently join another company that has a 401k plan, can I deduct the 7k on my taxes that I rolled over since it was initially in a 401k? No. If you are using traditional 401k, the 7k was already subtracted from your taxable income. You don't get to ...
by oinkyboinky
Fri Aug 18, 2017 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: Employer 401k Rollover (Deduction Rules)
Replies: 5
Views: 302

Re: Employer 401k Rollover (Deduction Rules)

A rollover of assets in a 401k plan to an IRA is not an IRA contribution and would not consume any of your IRA contribution space. Assuming your 401k contributions were to Traditional 401k, you already received a deduction. For example if your salary is 60K and you contributed 7K to Traditional 401...
by oinkyboinky
Fri Aug 18, 2017 1:54 pm
Forum: Investing - Help with Personal Investments
Topic: Employer 401k Rollover (Deduction Rules)
Replies: 5
Views: 302

Employer 401k Rollover (Deduction Rules)

I have about 7k in a company 401k, but am leaving the company for a different one. If I roll this over to an IRA at Vanguard and subsequently join another company that has a 401k plan, can I deduct the 7k on my taxes that I rolled over since it was initially in a 401k? I ask because the limit on an ...
by oinkyboinky
Sun Jul 23, 2017 4:22 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Vesting Question
Replies: 2
Views: 212

401k Vesting Question

Suppose the company match on a 401k vests at 25% a year, so after four years one can take all of the match with them when they leave the company. Now, if one leaves the company after 2 years, but does not, for example, roll the 401k over into a Vanguard IRA (but instead leaves it with the brokerage ...
by oinkyboinky
Sun Jun 11, 2017 2:12 pm
Forum: Investing - Help with Personal Investments
Topic: Small, Mid, and Large Cap Allocation Calculation
Replies: 5
Views: 888

Re: Small, Mid, and Large Cap Allocation Calculation

If you indicate 1. The fund tickers you want to use. 2. The morningstar style box you want i.e. VTI Vanguard Total market or tilt. Let say you want a style box such as. 23 25 23 06 06 06 02 02 02 I will calculate the ratio's for you. I set up a Matlab code to do just that and use it in my 401k CFR ...
by oinkyboinky
Thu Jun 08, 2017 11:04 pm
Forum: Investing - Help with Personal Investments
Topic: Small, Mid, and Large Cap Allocation Calculation
Replies: 5
Views: 888

Small, Mid, and Large Cap Allocation Calculation

I hold the following funds: 401k - $7,348 T. Rowe Price Equity Index 500 (PREIX) Roth IRA - $17,484 Vanguard Total International Stock Index (VTIAX) IRA - $3,777 Vanguard Intermediate-Term Bond Index Fund (VBIIX) + $13,582 Vanguard 500 Index Fund (VTSAX) = $17,359 Total = $42,191k Questions: 1. How ...
by oinkyboinky
Tue Jun 06, 2017 8:59 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Evaluation
Replies: 4
Views: 774

Re: Portfolio Evaluation

No. No matter your personal holding period, long-term bonds are riskier than intermediate-term bonds. Nice, thank you. I wouldn't, but if you like the VTWSX current AA of 50% US/50% international (including Canada), then it's fine. One advantage would be the missing mid/small caps that you don't ha...
by oinkyboinky
Mon Jun 05, 2017 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Evaluation
Replies: 4
Views: 774

Portfolio Evaluation

Emergency - $10,000 Checking\Spending - $20,000 401k - $7,348 T. Rowe Price Equity Index 500 (PREIX) Roth IRA - $17,484 Vanguard Total International Stock Index (VTIAX) IRA - $3,777 Vanguard Intermediate-Term Bond Index Fund (VBIIX) + $13,582 Vanguard 500 Index Fund (VFIAX) = $17,359 Total = $72,19...
by oinkyboinky
Thu Jun 01, 2017 11:50 am
Forum: Investing - Help with Personal Investments
Topic: Accidental Contribution to IRA
Replies: 7
Views: 667

Re: Accidental Contribution to IRA

I'm assuming you are not married? Not to be too nosey but how much do you make (ballpark) because you do not make that much more than the cutoff you can put $18,000 into a employer 401k and possibly get below the cutoff. ~90k, but I only put 4% of that (3,600) into a 401k bc that's all they match a...
by oinkyboinky
Thu Jun 01, 2017 11:23 am
Forum: Investing - Help with Personal Investments
Topic: Accidental Contribution to IRA
Replies: 7
Views: 667

Re: Accidental Contribution to IRA

What are my options here? Can I send that money over to a Roth IRA at Vanguard instead? You have three options: ⋅ Have Vanguard "recharacterize" the TIRA contribution and earnings to a Roth IRA. You must be under the income limits for direct Roth IRA contributions. You'll have t...
by oinkyboinky
Mon May 29, 2017 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: Accidental Contribution to IRA
Replies: 7
Views: 667

Accidental Contribution to IRA

I contributed ~3,000 to my IRA with Vanguard, not realizing that I can't deduct this from my taxes since I have a retirement plan at work and make more than 72k. I haven't deducted this on taxes yet (since the contribution is for the 2017 year) What are my options here? Can I send that money over to...
by oinkyboinky
Mon Dec 19, 2016 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Closing Credit Cards (Affect on Credit Score)
Replies: 4
Views: 460

Closing Credit Cards (Affect on Credit Score)

According to Credit Karma, "Average Age of Accounts" is a medium impact factor on one's credit score. I'm somewhat in the red on this area with the average age of an account being 4 years 7 months. Age of all cards is below. I'm wondering if closing all cards that haven't been opened more ...
by oinkyboinky
Tue Nov 29, 2016 9:17 pm
Forum: Investing - Help with Personal Investments
Topic: Future House Down Payment Location
Replies: 4
Views: 579

Re: Future House Down Payment Location

Thank you for the replies.

Any thoughts on this fund in particular?

http://www.marketwatch.com/investing/stock/bfz

Is it too risky given the time frame?
by oinkyboinky
Tue Nov 29, 2016 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: Future House Down Payment Location
Replies: 4
Views: 579

Future House Down Payment Location

In a few months I will have about $25,000 in a savings account earning close to 0% interest. I plan to add to this account over the next 1-3 years and use this money as the down payment on a house. The account will have about $60,000 at this time. Wherever this money is located, I need it to be liqu...
by oinkyboinky
Sun Jul 24, 2016 11:24 am
Forum: Investing - Help with Personal Investments
Topic: Withdraw from Roth IRA to Contribute to IRA?
Replies: 8
Views: 532

Re: Withdraw from Roth IRA to Contribute to IRA?

You don't provide a lot of information, but if you are single & are "covered by a retirement plan at work" (pension, 401k, etc), the ability to contribute to a traditional tax deductible IRA starts to phase out when your modified adjusted gross income (MAGI) hits $61k. Married filing ...
by oinkyboinky
Sat Jul 23, 2016 8:18 pm
Forum: Investing - Help with Personal Investments
Topic: Withdraw from Roth IRA to Contribute to IRA?
Replies: 8
Views: 532

Re: Withdraw from Roth IRA to Contribute to IRA?

With $97k one could max out their retirement accounts without digging into the roth. Not everyone is the same but do think about it. Assuming the roth was from a year before 2015. Otherwise you could recharacterize. If that is not an option you could use the emergency fund cash to fund the tira and...
by oinkyboinky
Sat Jul 23, 2016 8:17 pm
Forum: Investing - Help with Personal Investments
Topic: Withdraw from Roth IRA to Contribute to IRA?
Replies: 8
Views: 532

Re: Withdraw from Roth IRA to Contribute to IRA?

Ask broker to recharacterize contribution from Roth to Traditional. Makes it like you contributed to TIRA is the first place. Same question... Is it possible to not go the official recharacterization route, but rather just make a Roth IRA withdrawal to my checking account, and then send it back ove...
by oinkyboinky
Sat Jul 23, 2016 8:16 pm
Forum: Investing - Help with Personal Investments
Topic: Withdraw from Roth IRA to Contribute to IRA?
Replies: 8
Views: 532

Re: Withdraw from Roth IRA to Contribute to IRA?

With $97k one could max out their retirement accounts without digging into the roth. Not everyone is the same but do think about it. Assuming the roth was from a year before 2015. Otherwise you could recharacterize. If that is not an option you could use the emergency fund cash to fund the tira and...
by oinkyboinky
Sat Jul 23, 2016 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: Withdraw from Roth IRA to Contribute to IRA?
Replies: 8
Views: 532

Withdraw from Roth IRA to Contribute to IRA?

Accounts: Emergency - $5,000 Checking - $8,500 401k - $560 (PREIX) Roth IRA - $7,200 (VGTSX) IRA - $3,200 (VBIIX) + $12,350 (VFIAX) = ~$15,500 Total = ~$36,000k This year I will make $97,000. In order to reduce taxable income, I was thinking about withdrawing $5,500 (all contributions) from the Rot...
by oinkyboinky
Fri Jul 01, 2016 12:40 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer Vanguard Funds to T. Rowe Price?
Replies: 6
Views: 669

Re: Transfer Vanguard Funds to Fidelity?

If you want to be in one place you might be happier there. Fidelity has recently undercut vanguard as a marketing gimmick, and it's true that they are slightly cheaper for some of their offerings. Both companies have compelling offerings for low cost index funds. Sorry, you posted right before I ch...
by oinkyboinky
Fri Jul 01, 2016 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer Vanguard Funds to T. Rowe Price?
Replies: 6
Views: 669

Transfer Vanguard Funds to T. Rowe Price?

My previous company used John Hancock, but I kept most of my investments in Vanguard because the options I had with JH sucked. My new company uses T Rowe Price, so I'm wondering if I should move all of my Vanguard funds over there in order to centralize my investments. My concern is that Vanguard (p...
by oinkyboinky
Wed Jun 22, 2016 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: Good Liquid Bond Fund?
Replies: 9
Views: 778

Re: Good Liquid Bond Fund?

For a short-term uncertain timeframe, a savings account seems most appropriate. You'll only get about 1% currently, but that's just the way it is. You can check DepositAccounts.com to compare if you wish. Why not shoot for ~5% in a bond fund? Something like black rock that offers a dividend? Or a V...
by oinkyboinky
Wed Jun 22, 2016 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: Good Liquid Bond Fund?
Replies: 9
Views: 778

Re: Good Liquid Bond Fund?

The funds will be used to purchase a home in 2-3 years? I would consider staying with a bank account or a short or ultra term bond index fund. The idea was to get ~5% in the bond fund instead of basically 0% in the checking account. Are there any Vanguard funds that would be a good candidate for th...
by oinkyboinky
Tue Jun 21, 2016 11:41 pm
Forum: Investing - Help with Personal Investments
Topic: Good Liquid Bond Fund?
Replies: 9
Views: 778

Good Liquid Bond Fund?

Accounts Emergency Savings: $5,000 Checking: $9,000 Roth IRA: $6,300 IRA: $17,000 Taxable Account: $0 I'd like to move about $5,000 out of the checking account so it makes more than .00000001% interest. I would contribute to this new fund every paycheck and withdraw these funds in 2-3 years (maybe ...
by oinkyboinky
Thu Aug 06, 2015 11:10 pm
Forum: Investing - Help with Personal Investments
Topic: "Gone Fishin' Portfolio" vs "Three Fund Portfolio"
Replies: 23
Views: 5046

Re: "Gone Fishin' Portfolio" vs "Three Fund Portfolio"

Difficult to analyze your portfolio since: 1. "My Portfolio" adds up to 98% 2. JFIVX has only been around for a couple of years. 3. Compare of 85/15 portfolio to a 80/20 (not counting cash inside any funds, which will vary a lot anyway over time). Making the following adjustments: 1. JFIV...
by oinkyboinky
Thu Aug 06, 2015 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: "Gone Fishin' Portfolio" vs "Three Fund Portfolio"
Replies: 23
Views: 5046

"Gone Fishin' Portfolio" vs "Three Fund Portfolio"

My Portfolio 401k/Roth 401k: JFIVX ( S&P 500 Index Fund ) 95% stocks/5% cash (67% of portfolio) Roth IRA: VTSMX ( Vanguard Total Stock Market Fund ) 100% stocks/0% bonds (20% of portfolio) IRA: VBIIX ( Vanguard Intermediate Bond Index Fund ) 100% bonds (11% of portfolio) Total: 85% stocks/ 15% ...
by oinkyboinky
Wed Jul 22, 2015 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: What's better: Lower Fees or Higher Potential Growth?
Replies: 20
Views: 2072

Re: What's better: Lower Fees or Higher Potential Growth?

You should not have only U.S. or International--you need both for proper diversification. For bond, use VBIIX. Diversification is more important than a few basis points. Paul This is the kind of advice I was looking for. Is it pretty well-known that diversification offers better growth long term th...
by oinkyboinky
Wed Jul 22, 2015 2:27 pm
Forum: Investing - Help with Personal Investments
Topic: What's better: Lower Fees or Higher Potential Growth?
Replies: 20
Views: 2072

Re: What's better: Lower Fees or Higher Potential Growth?

On switching the bond fund, who knows what's best? Both are intermediate-term and good credit quality. A few hundredths of a percent difference in expense ratio is unlikely to be significant. The two stock funds are cover different markets. You bought international for diversification, don't give u...
by oinkyboinky
Wed Jul 22, 2015 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: What's better: Lower Fees or Higher Potential Growth?
Replies: 20
Views: 2072

Re: What's better: Lower Fees or Higher Potential Growth?

oinkyboinky: Comparing a US stock index fund and an International stock index fund is comparing apples to oranges. "Potential growth" is only a guess you can do little about. "Low Cost" is under your control and potentially more important. Best wishes. Taylor I'm just wondering ...
by oinkyboinky
Wed Jul 22, 2015 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: What's better: Lower Fees or Higher Potential Growth?
Replies: 20
Views: 2072

Re: What's better: Lower Fees or Higher Potential Growth?

Trading developed/emerging international stocks for domestic large-caps is a much bigger decision than a small difference in expense ratios. You're not just trading similar things around, you're cutting out a lot of diversification (assuming you already hold US stocks in another fund). Maybe you co...
by oinkyboinky
Tue Jul 21, 2015 7:16 pm
Forum: Investing - Help with Personal Investments
Topic: What's better: Lower Fees or Higher Potential Growth?
Replies: 20
Views: 2072

What's better: Lower Fees or Higher Potential Growth?

I currently hold these two mutual funds in my Vanguard account: VBIIX (Vanguard Intermediate-Term Bond Index Fund Investor Shares) [ER 0.20%, admiral shares 0.10%] VGTSX (Vanguard Total International Stock Index Fund Investor Shares) [ER 0.22%, admiral shares 0.14%] I'm wondering if these are better...
by oinkyboinky
Thu Jun 11, 2015 12:12 pm
Forum: Investing - Help with Personal Investments
Topic: Advanced Portfolio Analysis
Replies: 4
Views: 885

Advanced Portfolio Analysis

After one follows the basic steps of deciding an asset allocation, creating accounts (emergency, 401ks/IRAs, etc.), and picking funds, what are some more advanced things one can do in order to gain a deeper understanding of their portfolio? This question is motivated by someone mentioning the Sharpe...
by oinkyboinky
Fri Jun 05, 2015 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: Best Fund for Taxable Account
Replies: 31
Views: 7710

Re: Best Fund for Taxable Account

If you wanted VEXMX you would: I can always adjust the amounts I contribute. I'm just wondering what the best funds to hold are. Do you see anything wrong with this as long as I can keep my AA in check? What would you change? 401k: JFIVX, .66% ER (John Hancock? S&P 500) Roth IRA: VGTSX, .22% ER...
by oinkyboinky
Thu Jun 04, 2015 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: Best Fund for Taxable Account
Replies: 31
Views: 7710

Re: Best Fund for Taxable Account

I like having all three (Total US, Total International and Int-Term Tax-Exempt Muni Bonds) in our taxable. With only the S&P 500 index in your 401k, your regular monthly contributions will push your AA heavy on US stocks throughout the year. Your Roth IRA is typically only added to 1 time per y...
by oinkyboinky
Thu Jun 04, 2015 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: Best Fund for Taxable Account
Replies: 31
Views: 7710

Re: Best Fund for Taxable Account

If you wanted VEXMX you would: - Use morningstar x-ray tool to find how much you need. (Compare a 100% VTSMX with a XX%/YY% JFIVX/VEXMX. Play with the %s until the style boxes match or mostly match. I did this recently with VIIIX and VEMPX and came up with 82%/18%--the ratio may differ slightly due...
by oinkyboinky
Wed Jun 03, 2015 11:09 am
Forum: Investing - Help with Personal Investments
Topic: Best Fund for Taxable Account
Replies: 31
Views: 7710

Re: Best Fund for Taxable Account

+1 to what grabiner said. If you want to be meticulous about it you could also hold VEXMX. When I said not to just hold all funds in all accounts, I didn't mean not to hold multiple in one. For instance, in my accounts: 401k: Total international, Extended market index, 500 index Roth IRAs: 500 inde...
by oinkyboinky
Wed Jun 03, 2015 11:06 am
Forum: Investing - Help with Personal Investments
Topic: Best Fund for Taxable Account
Replies: 31
Views: 7710

Re: Best Fund for Taxable Account

(fund names added) What do you think about this as a final portfolio? 401k: JFIVX, .66% ER (John Hancock? S&P 500) Roth IRA: VGTSX, .22% ER (Vanguard Total international) IRA: VBIIX, .20% ER (Vanguard Intermediate-Term Bond) Taxable: VTWSX, .27% ER (Vanguard Total World Stock) After a year of c...
by oinkyboinky
Tue Jun 02, 2015 6:09 pm
Forum: Investing - Help with Personal Investments
Topic: Best Fund for Taxable Account
Replies: 31
Views: 7710

Re: Best Fund for Taxable Account

Given that you want to hold 20% of your portfolio in bonds, and there isn't a good bond fund in your 401(k), you need to hold the bonds in your IRA and taxable account. Therefore, you may need a CA muni fund for some of your bond allocation; CA Intermediate-Term Tax-Exempt is fine for about half th...
by oinkyboinky
Tue Jun 02, 2015 6:07 pm
Forum: Investing - Help with Personal Investments
Topic: Best Fund for Taxable Account
Replies: 31
Views: 7710

Re: Best Fund for Taxable Account

The basic principle is to diversify to reduce volatility and/or increase returns. (Same expected return at lower expected risk, or higher expected return at same risk.) For bonds, I think the total bond market fund is sufficient; it has a lot of diversity already. Note that holding bonds in tax-adv...
by oinkyboinky
Mon Jun 01, 2015 10:51 pm
Forum: Investing - Help with Personal Investments
Topic: Best Fund for Taxable Account
Replies: 31
Views: 7710

Re: Best Fund for Taxable Account

If you are definitely not going to use this money until retirement, 100/0 or 90/10 should be fine... 80/20 should be fine too; a little safer, makes you less likely to do something rash if the markets go south. Though really, if you don't have a bunch of money already invested (and what constitutes...
by oinkyboinky
Mon Jun 01, 2015 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: Best Fund for Taxable Account
Replies: 31
Views: 7710

Re: Best Fund for Taxable Account

It depends--what is your desired asset allocation, and what % of your total assets are in each of those funds you mentioned? The desired asset allocation is 80% stocks/ 20% bonds (although tbh I'd rather do 90/10) I'm going to be adding monthly to each account, but projecting out a year it's going ...
by oinkyboinky
Sun May 31, 2015 11:10 pm
Forum: Investing - Help with Personal Investments
Topic: Best Fund for Taxable Account
Replies: 31
Views: 7710

Re: Best Fund for Taxable Account

I would suggest that you consider ETF's rather than mutual funds in your taxable account. In general they are more tax efficient b/c they don't throw of as much taxable yield. They are at least as easy to buy and sell. They have low ER's. You can also slice and dice with ETF's if you want to. Once ...
by oinkyboinky
Sun May 31, 2015 11:07 pm
Forum: Investing - Help with Personal Investments
Topic: Best Fund for Taxable Account
Replies: 31
Views: 7710

Re: Best Fund for Taxable Account

It depends--what is your desired asset allocation, and what % of your total assets are in each of those funds you mentioned? The desired asset allocation is 80% stocks/ 20% bonds (although tbh I'd rather do 90/10) I'm going to be adding monthly to each account, but projecting out a year it's going ...
by oinkyboinky
Sun May 31, 2015 9:05 pm
Forum: Investing - Help with Personal Investments
Topic: Best Fund for Taxable Account
Replies: 31
Views: 7710

Re: Best Fund for Taxable Account

Given that you want to hold 20% of your portfolio in bonds, and there isn't a good bond fund in your 401(k), you need to hold the bonds in your IRA and taxable account. Therefore, you may need a CA muni fund for some of your bond allocation; CA Intermediate-Term Tax-Exempt is fine for about half th...
by oinkyboinky
Sun May 31, 2015 9:02 pm
Forum: Investing - Help with Personal Investments
Topic: Best Fund for Taxable Account
Replies: 31
Views: 7710

Re: Best Fund for Taxable Account

I would rather hold VTI or the equivalent mutual fund than the whole world fund; much lower expense (0.05%). Get your international separately (VFWAX or VTIAX) for 0.14%. Overall is around 0.09% if you split roughly 50/50. That is 1/3rd of the cost of just total world stock fund... and if you went ...
by oinkyboinky
Fri May 29, 2015 4:43 pm
Forum: Investing - Help with Personal Investments
Topic: Best Fund for Taxable Account
Replies: 31
Views: 7710

Best Fund for Taxable Account

What's the best fund to put in my taxable account after I max out my IRA/401k? I know this has been asked before, but here are some specific funds I'm curious about (in addition to their expense ratios and reasons I'm considering them). 1. Vanguard Total World Stock Index Fund (VTWSX, .27%) - Maybe ...
by oinkyboinky
Tue May 26, 2015 7:15 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Revaluation
Replies: 8
Views: 1181

Re: Portfolio Revaluation

Back again, I appreciate your struggle and your interest in coming up with a best portfolio. At the same time, I am compelled to point out that your investing is a work in progress, and I think you are trying to do too much right out of the gate. As a practical matter, smaller portfolios cannot pos...
by oinkyboinky
Tue May 26, 2015 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Revaluation
Replies: 8
Views: 1181

Re: Portfolio Revaluation

Back again, It looks like you selected the best option in your 401(k), so well done. I was hoping there was a low-cost bond fund that would have come in handy for you, but no such luck. The Vanguard Total International Fund is the correct choice also. It is VGTSX. It is a low-cost index fund that e...
by oinkyboinky
Fri May 22, 2015 6:33 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Revaluation
Replies: 8
Views: 1181

Re: Portfolio Revaluation

Thanks for filling in the basic stuff on this thread; it will obviously help anyone else who is interested in contributing their thoughts. In no particular order, let’s discuss some of your questions. The truth about investing is that there are only a few relevant factors that one can control: how ...
by oinkyboinky
Fri May 22, 2015 1:29 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Revaluation
Replies: 8
Views: 1181

Re: Portfolio Revaluation

Hi and welcome, Thank you for the detailed post; I will try to put in as much effort responding as you did answering. Let me start with the good stuff: it’s good that you are saving and using index funds at your age. You are far ahead of many of your peers, and an early start means the power of com...