Search found 2512 matches

by pingo
Mon Dec 05, 2016 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help Please!
Replies: 29
Views: 1848

Re: Portfolio Help Please!

All the best!

:thumbsup
by pingo
Mon Dec 05, 2016 6:02 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help Please!
Replies: 29
Views: 1848

Re: Portfolio Help Please!

Rebalancing simply doesn't need to happen that often and there can be a small disadvantage to doing it frequently. I read that 18 months to 3 years has been optimal, but even that's not so important for one force the issue. One year is good enough because that's the longest your Rebalancer tool will...
by pingo
Sat Dec 03, 2016 1:36 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help Please!
Replies: 29
Views: 1848

Re: Portfolio Help Please!

I'm glad you're asking for clarification, because I rarely get my words right the first try. (Nor, the second, third, fourth...) :D By "risky side", I mean 90/10 is on the risky side. Your portfolio is Bogleheadish. (Would that I could creat that portfolio with my employer plan!) Most Bogl...
by pingo
Fri Dec 02, 2016 8:43 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help Please!
Replies: 29
Views: 1848

Re: Portfolio Help Please!

what type of hypothetical money could I save when looking at ERs of 0.17 vs 0.08? No hypothetical about it. Keep in mind that you have the opportunity to cut your costs in half at these levels, but the impact on returns is negligible when compared to, say, ER 1.00%. For example: At ER 1.00%, a $42,...
by pingo
Fri Dec 02, 2016 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help Please!
Replies: 29
Views: 1848

Re: Portfolio Help Please!

First off, you actually have a good enough 401k plan to build a great portfolio and I have to say, you did a very good job of fund selection. Let's see if there are any appetizing improvements to be made. Yeah...I'm going to have to stand by that statement. Good 401k, good fund arrangement, automat...
by pingo
Thu Dec 01, 2016 7:01 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help Please!
Replies: 29
Views: 1848

Re: Portfolio Help Please!

Regarding the HSA - We will being using for medical expenses as needed. I also want to take advantage of the HSA from a tax perspective so I'm just wondering... when we are ready to invest the HSA how would we choose AA given our current portfolio and the need to use HSA funds as needed. Let's deal...
by pingo
Thu Dec 01, 2016 3:04 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help Please!
Replies: 29
Views: 1848

Re: Portfolio Help Please!

I have a little experience with Empower. Does the platform they provide for your employer plan include a Rebalancer tool? Please login to your account or call their customer service to find out.
by pingo
Thu Dec 01, 2016 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help Please!
Replies: 29
Views: 1848

Re: Portfolio Help Please!

Who is your 401k provider?
by pingo
Wed Nov 30, 2016 11:54 am
Forum: Investing - Help with Personal Investments
Topic: Allocation Help
Replies: 19
Views: 1516

Re: Allocation Help

^ That. Taxes are not my strong suit and I get lost when trying to figure out the whole tax planning thing haha I've been here a year and a half, but I haven't worked a full tax year yet. I'm in the 25% tax bracket, with the possibility to be in the 28% bracket within a year or two. Hoping to save $...
by pingo
Wed Nov 30, 2016 12:06 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help Please!
Replies: 29
Views: 1848

Re: Portfolio Help Please!

Could you add the expense ratios to your list of 401(k) options? We can look it up, but the ERs we find will usually be different than what you have in your employer plan. Also, if we spend all that time I have looking up the ERs of those funds, we may not have any time left to contribute in a timel...
by pingo
Wed Nov 30, 2016 12:01 am
Forum: Investing - Help with Personal Investments
Topic: Newbie..advice needed
Replies: 5
Views: 445

Re: Newbie..advice needed

Wellington is basically meant to be an all-in-one fund: a balanced fund. It is perfectly okay to have all of one's money in Wellington if it's asset allocation matches ones desired AA, within reason. Wellington doesn't look like the funds typically recommended on this forum, but it is a great one re...
by pingo
Tue Nov 29, 2016 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation Help
Replies: 19
Views: 1516

Re: Allocation Help

Worry about whether to use a tax-deductible Traditional IRA once you're maxing your personal 401k contributions every year ($18,000/yr). The 401k becomes more important now because every dollar you contribute reduces your taxable income and it's your taxable income that determines your tax bracket. ...
by pingo
Tue Nov 29, 2016 11:57 am
Forum: Investing - Help with Personal Investments
Topic: Allocation Help
Replies: 19
Views: 1516

Re: Allocation Help

I have one very slight difference of opinion with pingo on where to put your money. Since your 401k is so good, you could put more in there than just enough to meet the match before filling your Roth IRA. I would make sure that at least half, maybe 2/3, of what you are saving for retirement is goin...
by pingo
Mon Nov 28, 2016 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation Help
Replies: 19
Views: 1516

Re: Allocation Help

I'm assuming you hadn't added in my Roth IRA money into this setup I see that there was some ambiguity in my post: If you set up the AutoRebalancer, you could then use a single Vanguard Target Retirement Fund in your Roth IRA for a hands-off portfolio...Here's a 90/10 portfolio 401k arrangement wit...
by pingo
Thu Nov 24, 2016 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Allocation Help
Replies: 19
Views: 1516

Re: Allocation Help

Edited. I agree 100% with retiredjg. Another important consideration: your Fidelity 401k probably has an Automatic Rebalancer tool where you can set up your desired allocations to have your portfolio automatically rebalanced each year. This becomes the equivalent of having a GREAT DIY target date r...
by pingo
Mon Nov 14, 2016 2:18 pm
Forum: Investing - Help with Personal Investments
Topic: Life Strategy Growth fund vs 3 Fund portfolio
Replies: 6
Views: 1114

Re: Life Strategy Growth fund vs 3 Fund portfolio

It may seem that more questions/answers leads to complexity, but I'm looking to see how we can simplify and the information helps us narrow the options.

firasnas wrote:Not sure if my tax bracket exact will have to get it as my wife and I file jointly now.


Shall I assume your spouse doesn't work?
by pingo
Sun Nov 13, 2016 11:31 pm
Forum: Investing - Help with Personal Investments
Topic: Life Strategy Growth fund vs 3 Fund portfolio
Replies: 6
Views: 1114

Re: Life Strategy Growth fund vs 3 Fund portfolio

Having a balanced fund in taxable means you give up the possibility of tax loss harvesting. I'm pretty sure you can tax loss harvest a LifeStrategy fund if you suffer losses, but in, say, a stock market downturn, you might harvest a greater loss from individual stock funds while ignoring bond funds...
by pingo
Sat Nov 12, 2016 10:22 pm
Forum: Investing - Help with Personal Investments
Topic: choosing new 401k investments
Replies: 8
Views: 581

Re: choosing new 401k investments

Sorry for all the radio silence. Things are crazy right now. I have already begun working on some suggestions in case they're helpful, but I need clarification on a few points: 1. Please separate the TSP amounts into "Hers" and "His". 2. Please indicate on the table/list of inves...
by pingo
Wed Nov 02, 2016 11:01 am
Forum: Investing - Help with Personal Investments
Topic: First Time maxing 401k
Replies: 17
Views: 1592

Re: First Time maxing 401k

I'm jealous and proud at the same time. :D

Well done!
by pingo
Wed Nov 02, 2016 10:58 am
Forum: Investing - Help with Personal Investments
Topic: choosing new 401k investments
Replies: 8
Views: 581

Re: choosing new 401k investments

The most narrow question--how to replace Vanguard Total Stock Market Index Fund (VTSAX) has two answers, depending on how simple or how complex you'd like things to be. You are correct that the Vanguard 500 Index Fund (VFIAX) is a legitimate substitute all by itself, but if one wants to replicate th...
by pingo
Tue Nov 01, 2016 4:27 pm
Forum: Investing - Help with Personal Investments
Topic: 0.91% Expense fees on my old 401k plan. Roll to IRA?
Replies: 13
Views: 752

Re: 0.91% Expense fees on my old 401k plan. Roll to IRA?

I'd 1st look to see if the new 401k has low expenses, but I am assuming that OP wants to use the Backdoor Roth. If not, I'd definitely roll the old 401k into an IRA. Well, I do plan to invest in my new job's 401k so I'll most likely find myself funding a backdoor roth IRA in the future? Question is...
by pingo
Tue Nov 01, 2016 1:17 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Core Bond Fund
Replies: 55
Views: 5912

Re: Vanguard Core Bond Fund

Here is a 6 month M* chart comparing green VCOBX (Core bond fund admiral), orange VBTLX (Total bond mkt), and blue VFIDX (intermediate investment grade): http://i67.tinypic.com/2qi2xoj.jpg It's too soon to tell for sure, but that chart is consistent with my prediction/chart about how Vanguard Core ...
by pingo
Tue Nov 01, 2016 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: 0.91% Expense fees on my old 401k plan. Roll to IRA?
Replies: 13
Views: 752

Re: 0.91% Expense fees on my old 401k plan. Roll to IRA?

I'd 1st look to see if the new 401k has low expenses, but I am assuming that OP wants to use the Backdoor Roth. If not, I'd definitely roll the old 401k into an IRA.
by pingo
Tue Oct 25, 2016 10:12 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review & Suggestions
Replies: 11
Views: 922

Re: Portfolio Review & Suggestions

My wife has a Roth 401k. I am not sure about the cash out option... will look into this. I should have been more clear. I'm not referring to a Roth option (always good to know if one has a Roth option, of course). I'm referring to an After-tax 401k option. It can be a way to get loads of extra savi...
by pingo
Mon Oct 24, 2016 5:56 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review & Suggestions
Replies: 11
Views: 922

Re: Portfolio Review & Suggestions

Does OP's or wife's 401k permit after-tax 401k contributions with the ability to cash out regularly?
by pingo
Mon Oct 24, 2016 10:52 am
Forum: Investing - Help with Personal Investments
Topic: Life Strategy 60% - could they move away from Index Funds
Replies: 16
Views: 2204

Re: Life Strategy 60% - could they move away from Index Funds

Thanks, Barry. I struck "and capital gains" in my last post per the above.
by pingo
Sun Oct 23, 2016 1:07 am
Forum: Investing - Help with Personal Investments
Topic: Life Strategy 60% - could they move away from Index Funds
Replies: 16
Views: 2204

Re: Life Strategy 60% - could they move away from Index Funds

Edits, thanks to Barry's post below. I'm not Barry, here, but I wouldn't rule them out, yet. Investing outside the U.S. can catch us off-guard. I have so much respect for Vanguard's methods and allocation decisions (not that they're always appropriate for every person) and such a love for the simpl...
by pingo
Sat Oct 22, 2016 5:24 pm
Forum: Investing - Help with Personal Investments
Topic: Life Strategy 60% - could they move away from Index Funds
Replies: 16
Views: 2204

Re: Life Strategy 60% - could they move away from Index Funds

Wow. GB has a LifeStrategy 100% Accumulation and a 100% Income fund!

:confused
by pingo
Mon Oct 17, 2016 3:47 pm
Forum: Investing - Help with Personal Investments
Topic: Target retirement date fund okay for all accounts?
Replies: 21
Views: 2246

Re: Target retirement date fund okay for all accounts?

A DIY Investor with Admiral Class funds will rebalance at difference times than Vanguard. The capriciousness of markets from day to day ensure that timing differences will dwarf any small cost advantage of an Admiral Class DIY portfolio (with an identical target allocation) versus Vanguard's Invest...
by pingo
Sun Oct 16, 2016 6:54 pm
Forum: Investing - Help with Personal Investments
Topic: Target retirement date fund okay for all accounts?
Replies: 21
Views: 2246

Re: Target retirement date fund okay for all accounts?

To your knowledge, has there been any news from Vanguard on the topic of Admiral shares in the Target Date funds, since the question was raised to and acknowledged by Mr. Bogle ? This would address some investors' concern over their use. A DIY Investor with Admiral Class funds will rebalance at dif...
by pingo
Sun Oct 16, 2016 4:08 pm
Forum: Forum Issues and Administration
Topic: Bogleheads is back!!!
Replies: 83
Views: 8034

Re: Bogleheads is back!!!

It happened right before I was about to post a response in another thread. You'd think I could just sit back and check once per day, but noooooooo. I probably tried to load the site 30 times since Friday. I was worried you guys were busy fighting off wolves and guerillas with machetes...cybernetical...
by pingo
Fri Oct 14, 2016 11:11 am
Forum: Investing - Help with Personal Investments
Topic: Target retirement date fund okay for all accounts?
Replies: 21
Views: 2246

Re: Target retirement date fund okay for all accounts?

Yes! Others have already remarked that a taxable account might not be best for a target fund, but if you're in the 15% bracket, I might not worry about it. If you decide not to use a target fund in taxable, it's just as easy (and legit!) to have target funds in every account except taxable. Target/l...
by pingo
Tue Oct 11, 2016 12:50 pm
Forum: Investing - Help with Personal Investments
Topic: When to switch my 401k investment? (Newbie!)
Replies: 25
Views: 1417

Re: When to switch my 401k investment? (Newbie!)

Yeah, I think that if there is no need to switch, then there is no need to switch. OP, As you learn about investing, you may learn things that resonate with you and that influence whether or not to switch. Those things may re-affirm your choice to stay in the boutique target fund. Or, they may spur ...
by pingo
Mon Oct 10, 2016 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: When to switch my 401k investment? (Newbie!)
Replies: 25
Views: 1417

Re: When to switch my 401k investment? (Newbie!)

There are no additional fees (other than the .1%) to switch to Vanguard. This point must be clarified: a. Are you saying there is an onoing 0.1% fee to use the Vanguard option that is levied above and beyond the fund expense ratio? If so, stick with a employer custom target date fund. b. Are you sa...
by pingo
Mon Oct 10, 2016 1:05 pm
Forum: Investing - Help with Personal Investments
Topic: When to switch my 401k investment? (Newbie!)
Replies: 25
Views: 1417

Re: When to switch my 401k investment? (Newbie!)

^ Yes. I was just getting to that. Hmmm. It appears your plan offers > 2 target date series. The Target Retirement 2045 fund that you have currently looks like a custom target date option that very large employers sometimes provide where the target date "fund" is simply mostly a portfolio ...
by pingo
Mon Oct 03, 2016 11:01 am
Forum: Investing - Help with Personal Investments
Topic: TSP Allocations
Replies: 15
Views: 1497

Re: TSP Allocations

I'm going to hop on the bandwagon. The TSP L lifecycle (target date) funds are allocated professionally and sensibly; you don't have have to mess with rebalancing or other portfolio decisions because they've been structured and built on investment best-practices. Yes, the L 2050 fund has a little mo...
by pingo
Thu Sep 29, 2016 5:49 pm
Forum: Investing - Help with Personal Investments
Topic: Advisor choices [did my advisor invest wisely for me?]
Replies: 48
Views: 3132

Re: Advisor choices [did my advisor invest wisely for me?]

I have zero experience in these matters, but if OP sees that there is still a brief window to back out, I might contact an attorney to have the attorney get involved with getting the products canceled and getting my money back because I'd be afraid of getting the run around until the clock runs out....
by pingo
Wed Sep 28, 2016 4:12 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio help
Replies: 10
Views: 632

Re: Portfolio help

Some people might go that route, but I'm partial to you putting everything in Lifestrategy & target funds as well. Vanguard's LifeStrategy funds are excellent portfolios that are efficiently managed with costs so low you're not likely to do better even with lower costs. The American Funds target...
by pingo
Fri Sep 16, 2016 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: HELP!! 401k options went from bad to worse!
Replies: 24
Views: 1892

Re: HELP!! 401k options went from bad to worse!

ptp777 wrote:New annual Contributions
$5500 his Roth IRA
$5500 her Roth IRA
25% of salary his Roth 401k
$18000 her Traditional 401k


It's weird that you've put a percent (%) in the middle of a list of dollar ($) amounts, but we need the dollar amount. Will you edit your initial post with the dollar amount?
by pingo
Tue Sep 13, 2016 6:34 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs Fidelity when dealing with after tax 401k inservice rollovers
Replies: 8
Views: 747

Re: Vanguard vs Fidelity when dealing with after tax 401k inservice rollovers

Keep it at Fidelity. Vanguard handles those kinds of transactions all the time, but given the option, I'd rather have everything in one place.
by pingo
Mon Sep 12, 2016 6:18 pm
Forum: Investing - Help with Personal Investments
Topic: Assistance with new 401k fund selections
Replies: 5
Views: 387

Re: Assistance with new 401k fund selections

Looking at these I was thinking FID 500 INDEX INST (FXSIX) , FID INTL INDEX INS (FSPNX) , FID US BOND IDX IS (FXSTX) would be the best options yielding a .145% expense ratio. However the BTC LP IDX 2055 N has an expense ratio of .14% which is lower. It's cheaper using the 3 Fido funds: 56% x 0.035%...
by pingo
Fri Sep 02, 2016 4:23 pm
Forum: Investing - Theory, News & General
Topic: Vgd Retirement Savings Trust vs Total Bond Mkt
Replies: 6
Views: 971

Re: Vgd Retirement Savings Trust vs Total Bond Mkt

PJW makes a good point, especially about the socks. :D I suppose I might go along with preferring one over the other if there was a clear spread between them, but I'm probably foolish enough to choose the wrong side of the spread! Perhaps you can take comfort in the fact that there is no important d...
by pingo
Wed Aug 31, 2016 5:02 pm
Forum: Investing - Theory, News & General
Topic: Vgd Retirement Savings Trust vs Total Bond Mkt
Replies: 6
Views: 971

Re: Vgd Retirement Savings Trust vs Total Bond Mkt

I use our plan's stable value offering to diversify my "bond" holdings/fixed income. You've hit on something that others have as well. If a bond fund's current yield is the best indicator of future returns for that fund, why accept the risk of a change in principal for the worse in a low i...
by pingo
Mon Aug 15, 2016 11:49 am
Forum: Investing - Help with Personal Investments
Topic: Finding middle ground with spouse on investing
Replies: 30
Views: 3341

Re: Finding middle ground with spouse on investing

Tyler9000 wrote:Sit down together and browse the historical performance of a bunch of different portfolios like the ones here: https://portfoliocharts.com/portfolios/


Simpler still would be Vanguard's Portfolio Allocation Models with the best and worst years of several basic asset allocations on one page.
by pingo
Mon Aug 15, 2016 12:20 am
Forum: Investing - Help with Personal Investments
Topic: Finding middle ground with spouse on investing
Replies: 30
Views: 3341

Re: Finding middle ground with spouse on investing

Sometimes asset allocation chooses us. The realities of investing frequently require a negotiation between the portfolio we desire and our circumstances. John Bogle advises that successful investing requires doing just a few things right and avoiding serious mistakes. discussions of changing asset a...
by pingo
Fri Jul 01, 2016 10:27 pm
Forum: Investing - Help with Personal Investments
Topic: Please show me why three fund is better than this...
Replies: 44
Views: 3286

Re: Please show me why three fund is better than this...

Don't forget, "average" in this case means you're beating over 80% of the experts! Great point. Here's a visual: Blue line: The investors who settled for "average" through a low cost S&P 500 index fund. Orange line: The Investors who didn't settle for "average". ht...
by pingo
Fri Jul 01, 2016 10:21 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie Here: Need Advice on current portfolio and Future plans
Replies: 11
Views: 759

Re: Newbie Here: Need Advice on current portfolio and Future plans

I should have read your post closely. :oops:

I'll post more later.
by pingo
Fri Jul 01, 2016 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie Here: Need Advice on current portfolio and Future plans
Replies: 11
Views: 759

Re: Newbie Here: Need Advice on current portfolio and Future plans

Boglephool wrote:I am receiving 6% from company and my wife don't have a match at all.


I should have been more clear. Since we need to know the contribution amounts, we also need to know the dollar amount of matching going into the 401ks (in this case, only your 401k).
by pingo
Fri Jul 01, 2016 5:06 pm
Forum: Investing - Theory, News & General
Topic: Wellington & Wellesley
Replies: 9
Views: 1727

Re: Wellington & Wellesley

My vote is coincidence, as well. I could be wrong, but my understanding has been that the only important difference between the two funds is the stock-bond ratio. The stock and bond selection of Wellington and Wellesley are the same/extremely similar. (If I really wanted to know for sure, I'd look i...
by pingo
Fri Jul 01, 2016 4:58 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie Here: Need Advice on current portfolio and Future plans
Replies: 11
Views: 759

Re: Newbie Here: Need Advice on current portfolio and Future plans

Yes. Please include those expense ratios.

And, are the LifePath funds "LifePath Index" or simply "LifePath"?

What kind of match is each receiving in his/her respective 401k?

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