Search found 2436 matches

by pingo
Tue Apr 26, 2016 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: Please help a Bogle Newbie Make Final Selections & Ratios
Replies: 37
Views: 1827

Re: Please help a Bogle Newbie Make Final Selections & Ratios

Okay, let's set the stage: Emergency funds: Yes. Debt: Home 150k 3% 12years left. Tax Rate: MFJ 25% Federal; CO 4.63% Age: 44 and 42 Desired Asset allocation: 70% stocks / 30% bonds Desired International allocation: 30% -ish New Annual Contributions in order of priority $$12,194 Her Mandatory DCP pe...
by pingo
Tue Apr 26, 2016 5:41 pm
Forum: Investing - Help with Personal Investments
Topic: Please help a Bogle Newbie Make Final Selections & Ratios
Replies: 37
Views: 1827

Re: Please help a Bogle Newbie Make Final Selections & Ratios

I've worked out all the details, but I'm stalling to keep you in suspense...kidding! :D I have worked out the details, but I realized I still need to know if any of your plans/employers have opted to allow a Roth option. I see that COPERA 401k/DC/457 has a Roth option available, but the employer has...
by pingo
Tue Apr 26, 2016 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: Please help a Bogle Newbie Make Final Selections & Ratios
Replies: 37
Views: 1827

Re: Please help a Bogle Newbie Make Final Selections & Ratios

^ I had to edit the above to include a couple more questions.
by pingo
Tue Apr 26, 2016 11:21 am
Forum: Investing - Help with Personal Investments
Topic: Please help a Bogle Newbie Make Final Selections & Ratios
Replies: 37
Views: 1827

Re: Please help a Bogle Newbie Make Final Selections & Ratios

EDITED. fortfun , I have more questions: You say that Her Mandatory DCP @ Fidleity and Her Old Principal 403b make up $200k. How much is in the Her current 403b? How much is in Her Old Principal 403b? And p lease clarify (I can't tell if I missed it, forgot it or what, but I can't figure out) wheth...
by pingo
Tue Apr 26, 2016 12:26 am
Forum: Investing - Help with Personal Investments
Topic: Please help a Bogle Newbie Make Final Selections & Ratios
Replies: 37
Views: 1827

Re: Please help a Bogle Newbie Make Final Selections & Ratios

Great work. I'll get back to you tomorrow with some options I think you'll like. As an aside, I caught the following: in this thread : Pingo, Fidelity is not an option for me unless via TDameritrade with extra charges. It looks like the copera lifetime plans are my best option. My assumption is that...
by pingo
Mon Apr 25, 2016 10:35 pm
Forum: Investing - Help with Personal Investments
Topic: Please help a Bogle Newbie Make Final Selections & Ratios
Replies: 37
Views: 1827

Re: Please help a Bogle Newbie Make Final Selections & Ratios

^ Aaaaaaaah. Well done. I'll review a couple items: 2. My wife's university has what is called a mandatory direct contribution plan. It doesn't have a name/number. -The direct contribution is $12,194/yr. My wife pays 5,134. Her employer pays 7,060. This is their maximum match. So she is obligated to...
by pingo
Mon Apr 25, 2016 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: Please help a Bogle Newbie Make Final Selections & Ratios
Replies: 37
Views: 1827

Re: Please help a Bogle Newbie Make Final Selections & Ratios

fortfun , You have too many threads. For coherent, meaningful advice, we need to have all the information in one spot. That means that since you have a portfolio advice thread happening here, you need to resolve your questions here before anything else. Most of us don't have the time or energy to m...
by pingo
Mon Apr 25, 2016 5:44 pm
Forum: Investing - Help with Personal Investments
Topic: Me vs. Vanguard
Replies: 24
Views: 3731

Re: Me vs. Vanguard

The more you ask for opinions the more opinions you will get. Professional opinion makers like Vanguard are under pressure to come up with seemingly sophisticated opinions to justify their existence. They also have tools that generate accurate sounding outcomes that really are not accurate at all. ...
by pingo
Sat Apr 23, 2016 6:25 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to help my wife get her 401k back on track
Replies: 9
Views: 919

Re: Trying to help my wife get her 401k back on track

Below is a duplication of my post to fortfun here : I see you asked about her Fidelity options here. Duckie's fund suggestions for her here are spot on, as hard as it may be to believe that 3 funds fit the bill when there are so many plan options and when the PERAdvantage/LifePath portfolios *appea...
by pingo
Sat Apr 23, 2016 6:22 pm
Forum: Investing - Help with Personal Investments
Topic: Help re-allocating 401k after being schooled on Bogle yesterday.
Replies: 13
Views: 1301

Re: Help re-allocating 401k after being schooled on Bogle yesterday.

Below is a duplication of my post to fortfun here : On second thought, I see you asked about her Fidelity options here . Duckie's fund suggestions for her here are spot on, as hard as it may be to believe that 3 funds fit the bill when there are so many plan options and when the PERAdvantage/LifePa...
by pingo
Sat Apr 23, 2016 11:58 am
Forum: Investing - Help with Personal Investments
Topic: Help re-allocating 401k after being schooled on Bogle yesterday.
Replies: 13
Views: 1301

Re: Help re-allocating 401k after being schooled on Bogle yesterday.

it turns out that my wife is also allowed to rollover her workplace IRAs into the PERAlifepath options (.25%). If we really don't know what we are doing, would you recommend this over rolling her IRAs into Fidelity Spartan funds (.05%)? I didn't realize that was an option for her until yesterday. Y...
by pingo
Sat Apr 23, 2016 10:06 am
Forum: Investing - Help with Personal Investments
Topic: Help re-allocating 401k after being schooled on Bogle yesterday.
Replies: 13
Views: 1301

Re: Help re-allocating 401k after being schooled on Bogle yesterday.

I'll quote some of the discussion as a launch point to add a few more notes. Some of it won't be surprising or new, but I'll add them just in case: see http://www.morningstar.com/funds/XNAS/LIJKX/quote.html for what that fund contains. It's not real important, but the makeup of LIJKX per Morningstar...
by pingo
Wed Apr 20, 2016 11:07 pm
Forum: Investing - Help with Personal Investments
Topic: Help re-allocating 401k after being schooled on Bogle yesterday.
Replies: 13
Views: 1301

Re: Help re-allocating 401k after being schooled on Bogle yesterday.

Edits. I'd definitely put it in one of the PERAdvantage Target Date funds. They are re-branded, super in expe n sive BlackRock LifePath Index Funds with an additional wrapper. I suspect the "CB" in the benchmark name BlackRock LifePath Index 2035 CB means something like "Composite Be...
by pingo
Tue Apr 12, 2016 5:16 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Recent Grad and BogleHead
Replies: 43
Views: 6006

Re: Portfolio Review - Recent Grad and BogleHead

New Annual Contributions $23,000 to Traditional 401k $5,500 Roth IRA $3,350 to HSA $500 to Student Loans + Savings Savings $9,000 - $5,500 = $3,500 <--Go ahead and deposit $5,500 into your Roth IRA now. Here's what's going to happen: Maxing your Roth right now is going to throw off the asset alloca...
by pingo
Fri Apr 08, 2016 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: New Employer - Portfolio Advice
Replies: 8
Views: 615

Re: New Employer - Portfolio Advice

Agreed. For the most part, the new plan has a cost advantage. Where it does not (in the mid/small cap arena) will not be a dominant part of the portfolio and the other cost savings more than make up for it. Also, it's annoying to have an account, especially a small one that will be dwarfed by the ot...
by pingo
Thu Apr 07, 2016 12:07 am
Forum: Investing - Help with Personal Investments
Topic: New Employer - Portfolio Advice
Replies: 8
Views: 615

Re: New Employer - Portfolio Advice

Edited because OP needs to retain the ability to make Roth contributions via the backdoor: I should have added that you could roll the old 401k assets over to a Vanguard Rollover IRA, but there seems to be no special need nor is there much, if any, cost advantage to be had by going that route, yet ...
by pingo
Wed Apr 06, 2016 11:59 pm
Forum: Investing - Help with Personal Investments
Topic: New Employer - Portfolio Advice
Replies: 8
Views: 615

Re: New Employer - Portfolio Advice

Rolling the Old into the New 401k and following the same path looks great to me: Funds from Old 401k --------------------> Equivalent New 401k Funds 40% Spartan® 500 Index ER 0.07% -----------> 40% S&P 500 Index Fund ER 0.05% 10% Spartan® Extd Mrkt ER 0.07% -----------> 10% Small Cap Equity Inde...
by pingo
Tue Apr 05, 2016 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: Beginner advice for setting up 401k/IRA
Replies: 10
Views: 692

Re: Beginner advice for setting up 401k/IRA

My initial reaction is to feel like keeping only riskier stocks in the IRA is somehow unsafe, but it seems like the general wisdom is that micromanaging asset placement when you have nothing but tax-advantaged accounts anyway is not all that productive or important? As I understand my situation, I ...
by pingo
Tue Apr 05, 2016 2:06 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Recent Grad and BogleHead
Replies: 43
Views: 6006

Re: Portfolio Review - Recent Grad and BogleHead

What may seem obvious to you is not to me, so I'm going to break things down to be sure I understand. The answers to my clarifying questions will determine the suggestions going forward. You have $9000 cash. You want to invest $5,500 of it in the Roth, which you want to invest for retirement. The $5...
by pingo
Fri Apr 01, 2016 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: SP 500 Index Fund vs Total Stock Market index fund
Replies: 55
Views: 12386

Re: SP 500 Index Fund vs Total Stock Market index fund

...When asked specifically about Vanguard's Total Stock Market fund (VTI): "That's good enough." http://archive.fortune.com/2010/10/18/pf/investing/buffett_ben_stein.fortune/index.htm Just to be clear: am I right that it sounds to both of us that Warren Buffett is in fact a full-bore beli...
by pingo
Mon Mar 28, 2016 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: Request for portfolio advice
Replies: 8
Views: 762

Re: Request for portfolio advice

His Roth 401k 65% - company target 2050 portfolio ER: 0.20% + 0.05% administrative fee = 0.25% portfolio split: 52% large cap "Equity Index Fund" 25% international stocks "MSCI ACWI ex-US IMI Index Fund" 11% small & mid cap "Extended Equity Market Index Fund" 7% RE...
by pingo
Sun Mar 27, 2016 11:53 pm
Forum: Investing - Help with Personal Investments
Topic: Request for portfolio advice
Replies: 8
Views: 762

Re: Request for portfolio advice

His age: 31 Her age: 30 Desired Asset allocation: 80% stocks / 20% bonds Desired International allocation: 30% of stocks Seems reasonable. His Roth 401k 65% - company target 2050 portfolio ER: 0.20% + 0.05% administrative fee = 0.25% portfolio split: 52% large cap "Equity Index Fund" 25% ...
by pingo
Sun Mar 27, 2016 7:36 pm
Forum: Investing - Help with Personal Investments
Topic: Brand New to Indexing
Replies: 7
Views: 533

Re: Brand New to Indexing

Being in the 15% tax bracket (with no state tax!) means you should prioritize Roth TSP and Roth IRA contributions. All else being equal, shifting money from the taxable account into a tax-free Roth accounts is preferable to leaving it in taxable. You have a rare opportunity to do so before capital a...
by pingo
Wed Mar 23, 2016 5:34 pm
Forum: Investing - Theory, News & General
Topic: Vang. Targ. Ret. 2055 & 2060 Which one to get...?
Replies: 4
Views: 389

Re: Vang. Targ. Ret. 2055 & 2060 Which one to get...?

I'll make it easy for you: Vanguard Target Retirement 2055 Fund (VFFVX) ER 0.16%. 2055's asset allocation will be exactly the same as 2060 for the next 14 years...

...so you'll have at least that long to figure out whether or not you chose the wrong fund. :wink:
by pingo
Wed Mar 16, 2016 11:07 pm
Forum: Investing - Help with Personal Investments
Topic: Help with my investment portfolio, rebalancing, and future investments
Replies: 3
Views: 379

Re: Help with my investment portfolio, rebalancing, and future investments

I'm currently thinking of putting: 10% into retirement 10% into taxable accounts 3% into kids college fund I'm confused by this. Are you going to invest in a taxable account before maxing out your retirement accounts?[/quote] Similarly, I do not see any reason you should prefer a taxable account ov...
by pingo
Wed Mar 16, 2016 2:55 am
Forum: Investing - Help with Personal Investments
Topic: [Three fund portfolio plus One]
Replies: 21
Views: 2189

Re: [Three fund portfolio plus One]

Posting error. Deleted.
by pingo
Wed Mar 16, 2016 2:25 am
Forum: Investing - Help with Personal Investments
Topic: [Three fund portfolio plus One]
Replies: 21
Views: 2189

Re: [Three fund portfolio plus One]

Posting error. Deleted.
by pingo
Wed Mar 16, 2016 2:24 am
Forum: Investing - Help with Personal Investments
Topic: [Three fund portfolio plus One]
Replies: 21
Views: 2189

Re: [Three fund portfolio plus One]

Posting error. Deleted.
by pingo
Wed Mar 16, 2016 2:22 am
Forum: Investing - Help with Personal Investments
Topic: [Three fund portfolio plus One]
Replies: 21
Views: 2189

Re: [Three fund portfolio plus One]

I'm no expert, but Christine Benz's article unwittingly offers a bit of a "yes and no, sort of and maybe" response, as well. She begins with the premise that assets are sold in the same proportion the manager is holding them: When the retiree needs to sell shares [from an all-in-one fund] ...
by pingo
Fri Mar 11, 2016 5:57 pm
Forum: Investing - Help with Personal Investments
Topic: [Three fund portfolio plus One]
Replies: 21
Views: 2189

Re: [Three fund portfolio plus One]

In the distribution phase, if you have one fund, you sell everything at once. No matter whether US stocks are up or down, international is up or down, or bonds are up or down, you sell all of them. Part of our retirement strategy involves selling the funds that are high, but letting those that are ...
by pingo
Fri Mar 11, 2016 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: [Three fund portfolio plus One]
Replies: 21
Views: 2189

Re: [Three fund portfolio plus One]

Good point...and thanks for the ticker info. I didn't find VTBIX when I searched for it by name.

BTW they may not have updated the ER information for VTBIX, either, if that ends up mattering! :D

:beer
by pingo
Fri Mar 11, 2016 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: [Three fund portfolio plus One]
Replies: 21
Views: 2189

Re: [Three fund portfolio plus One]

The expense ratio of a LifeStrategy or a Target Retirement fund is lower than the weighted expense ratio of managing an equivalent portfolio of Investor Class funds. It is also managed much more efficiently than rolling your own version of the same portfolio. Last I did the math, the expense ratio ...
by pingo
Thu Mar 10, 2016 11:22 pm
Forum: Investing - Help with Personal Investments
Topic: [Three fund portfolio plus One]
Replies: 21
Views: 2189

Re: [Three fund portfolio plus One]

Edited Welcome to the forum! :D [ W]hen Admiral Shares have a $10k minimum per fund, am I able to automatically switch to the admiral shares from the investor shares when say, my total stock market fund reaches that threshold? Yes. You can "exchange" the assets of the Investor Class fund ...
by pingo
Thu Mar 10, 2016 6:11 pm
Forum: Investing - Help with Personal Investments
Topic: Help restarting investing, allocation, fund selection
Replies: 15
Views: 1025

Re: Help restarting investing, allocation, fund selection

^ Agreed.

Well, it was worth a shot. All the best!

:beer
by pingo
Thu Mar 10, 2016 5:10 pm
Forum: Investing - Help with Personal Investments
Topic: Help restarting investing, allocation, fund selection
Replies: 15
Views: 1025

Re: Help restarting investing, allocation, fund selection

We may be missing a list of all options available in either the 401k. Will you please list each one with it's ticker symbol and expense ratio? For example, your 401k might offer the DFA Global Equity Fund (DGEIX) , which is often offered in DFA-heavy plans that offer the DFA Global Allocation 60/40 ...
by pingo
Tue Mar 08, 2016 7:30 pm
Forum: Investing - Help with Personal Investments
Topic: 401K allocation for a 29 year old
Replies: 5
Views: 673

Re: 401K allocation for a 29 year old

I agree with the advice given. Assuming the expense ratios are as we see them at Morningstar.com, she has a great 401k. Great options, great expense ratios. Among so many great options, it can be so hard to choose...so hard to choose... Please let her know that having so many great options does not ...
by pingo
Tue Mar 08, 2016 1:26 am
Forum: Investing - Theory, News & General
Topic: Asset location strategies for taxes are OK; but not great
Replies: 75
Views: 8085

Re: Asset location strategies for taxes are OK; but not great

What happened to the article?

I click on the link and I get Rick's site saying "Page not found". :(
by pingo
Thu Mar 03, 2016 12:56 am
Forum: Investing - Help with Personal Investments
Topic: new to investing
Replies: 5
Views: 533

Re: new to investing

I don't know how much you make, but it sounds like a lot. Here's what the IRS says about the amount of Roth IRA contributions you can make . If you don't qualify for direct Roth IRA contributions, you can always make Backdoor Roth IRA contributions. Here are a few more links that you should read con...
by pingo
Tue Mar 01, 2016 6:32 pm
Forum: Investing - Theory, News & General
Topic: What is John Bogle's best book?
Replies: 25
Views: 2807

Re: What is John Bogle's best book?

Yet another vote for The Little Book of Common Sense Investing . One of the words I most frequently use to describe it is artful. Common Sense On Mutual Funds is seminal, but his Little Book is masterful. I also think that Bogle's Little Book will prepare you to graduate to his heavier Common Sense ...
by pingo
Tue Mar 01, 2016 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab Three Fund Portfolio
Replies: 7
Views: 701

Re: Schwab Three Fund Portfolio

On the wiki there are notes that utilizing SWTSX, SWISX, and SWLBX leads to a missed market segment including emerging market stocks, Canadian stocks, and international small cap stocks. That's one reason one's international allocation at Schwab ends up being a 3 fund portfolio in and of itself. Fo...
by pingo
Tue Mar 01, 2016 6:18 pm
Forum: Investing - Help with Personal Investments
Topic: VASGX [Vanguard LifeStrategy Growth Fund] or ETFs
Replies: 21
Views: 1292

Re: VASGX [Vanguard LifeStrategy Growth Fund] or ETFs

Option A. LifeStrategy all the way. I invest via ETFs and traditional mutual funds. All else being equal, I have yet to be convinced that clumsily mirroring its contents with lower cost ETFs or Admiral funds will win out even though ETFs/Admiral funds are a great way to invest when using a LifeStrat...
by pingo
Mon Feb 29, 2016 7:52 pm
Forum: Investing - Help with Personal Investments
Topic: Help with first time portfolio balancing
Replies: 19
Views: 2047

Re: Help with first time portfolio balancing

I may not have time later to post this, so I'll just do it now to see if anything comes of it. If we x-ray jlily 's current assets, they look like this... 61% US Stocks <--Mid/small caps are overweight (33% of U.S.) versus market weight (27% of U.S.) 19% International Stocks <--Large, mid and small ...
by pingo
Fri Feb 26, 2016 6:49 pm
Forum: Investing - Help with Personal Investments
Topic: Help with first time portfolio balancing
Replies: 19
Views: 2047

Re: Help with first time portfolio balancing

Roth IRA 3% -$5,500 - Just started this year, currently in money market fund. Cash available to invest 10% - $20K Your Roth IRA should have $11,000 and represent 6% of the portfolio. All else being equal, it is preferable to invest after-tax money in a Roth than a taxable account. Assuming that you...
by pingo
Thu Feb 25, 2016 7:19 pm
Forum: Investing - Help with Personal Investments
Topic: Going to index, when to make the jump
Replies: 22
Views: 1814

Re: Going to index, when to make the jump

Here's the link to the "sticky" of recommendations for asking portfolio questions mentioned above. One of the potential benefits of editing your initial post with the recommended information is that sometimes we can help you verify that the change to indexing doesn't necessarily mean a bi...
by pingo
Thu Feb 25, 2016 1:06 pm
Forum: Investing - Help with Personal Investments
Topic: Help with first time portfolio balancing
Replies: 19
Views: 2047

Re: Help with first time portfolio balancing

Oh, and please report what you find back here so we can discuss your options.
by pingo
Wed Feb 24, 2016 5:46 pm
Forum: Investing - Help with Personal Investments
Topic: Help with first time portfolio balancing
Replies: 19
Views: 2047

Re: Help with first time portfolio balancing

Thanks for the updates, jlily . The future looks bright. There's one more piece of information we need because it could make a big difference in the suggested course of action for your portfolio. Here's your homework: Go read through your 401k Plan Document to see if there is an after-tax 401k savin...
by pingo
Sun Feb 21, 2016 10:06 am
Forum: Investing - Help with Personal Investments
Topic: Help with 401k Index Funds
Replies: 7
Views: 644

Re: Help with 401k Index Funds

Good point. It has quickly become apparent that we really should have more information: 1. If OP is going to invest in the Roth 401k-only, we need to see all 401k fund ERs. 2. If OP can still contribute enough to get full employer match, opening a Roth IRA to gain exposure to Vanguard's Total Intern...
by pingo
Sun Feb 21, 2016 9:51 am
Forum: Investing - Help with Personal Investments
Topic: Solo 401k - go with Vanguard or someone else
Replies: 18
Views: 1390

Re: Solo 401k - go with Vanguard or someone else

It's true that Vanguard only lets you invest in their "Investor" class mutual funds. But I don't consider the 0.16% ER of the LifeStrategy fund I picked to be all that onerous. In a few years I will probably roll over the $ to my regular Vanguard IRAs and lower my ER by 5 or 6 bps. We do ...
by pingo
Sat Feb 20, 2016 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 401k Index Funds
Replies: 7
Views: 644

Re: Help with 401k Index Funds

Please list the expense ratios provided by your 401k. They may not be the same as we'd find on the web and it should take you less time to post them than it would for us to look them up and post them, especially since we may get the right ones for your plan.
by pingo
Thu Feb 18, 2016 2:03 pm
Forum: Investing - Theory, News & General
Topic: One sentence financial rule
Replies: 22
Views: 2962

Re: One sentence financial rule

The link takes us to a source with great advice which, if applied to that source, strongly advises avoiding advice from said source.

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