Search found 2529 matches

by pingo
Wed Jan 25, 2017 11:04 pm
Forum: Investing - Help with Personal Investments
Topic: T. Rowe Price Claims they consistently beat Indexing
Replies: 24
Views: 2680

Re: T. Rowe Price Claims they consistently beat Indexing

I like the T. Rowe Price Target funds. I don't own any, but I like them and would have used one without hesitation had they been offered in my employer plan. They are a great option in employer plans. Speaking anecdotally, it is common fir the expense ratios for those plans are within 10 basis poin...
by pingo
Wed Jan 25, 2017 1:13 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Retirement 2045 Fund (VTIVX) Question
Replies: 16
Views: 1658

Re: Vanguard Target Retirement 2045 Fund (VTIVX) Question

And nothing says you should move out of a target fund later on as long as you still find it's asset allocation to be appropriate. Mrs. Pingo and I have our money in a Vanguard Target Retirement Fund in our IRAs and they are an excellent all-in-one solution. You're not likely to do much better, but ...
by pingo
Tue Jan 24, 2017 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: T. Rowe Price Claims they consistently beat Indexing
Replies: 24
Views: 2680

Re: T. Rowe Price Claims they consistently beat Indexing

I like the T. Rowe Price Target funds. I don't own any, but I like them and would have used one without hesitation had they been offered in my employer plan. They are a great option in employer plans. Speaking anecdotally, it is common for the expense ratios for those plans are within 10 basis point...
by pingo
Tue Jan 24, 2017 4:11 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Retirement 2045 Fund (VTIVX) Question
Replies: 16
Views: 1658

Re: Vanguard Target Retirement 2045 Fund (VTIVX) Question

And nothing says you should move out of a target fund later on as long as you still find it's asset allocation to be appropriate. Mrs. Pingo and I have our money in a Vanguard Target Retirement Fund in our IRAs and they are an excellent all-in-one solution. You're not likely to do much better, but y...
by pingo
Thu Jan 19, 2017 1:00 am
Forum: Investing - Help with Personal Investments
Topic: Beginner ?s 401k and Investing
Replies: 20
Views: 1532

Re: Beginner ?s 401k and Investing

I see a gross expense ratio of 0.12%. Same as net. If there were a risk that the Target Funds might suddenly become expensive, that same risk would also exist in the other low cost SSgA index funds in the plan. All the funds in the plan have dividends and capital gains, but you won't see them. They'...
by pingo
Wed Jan 18, 2017 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: Beginner ?s 401k and Investing
Replies: 20
Views: 1532

Re: Beginner ?s 401k and Investing

It may take a while to see it from where you're sitting, but selecting funds based on past performance will not help you outperform in the long run moving forward. Your most important decisions are costs and asset allocation: keeping more of your money for yourself (through low costs) to be re-inves...
by pingo
Thu Jan 12, 2017 2:53 pm
Forum: Personal Consumer Issues
Topic: Weight machine vs free weight
Replies: 64
Views: 3836

Re: Weight machine vs free weight

Freeweight or machine? Dumbbell or barbell? Weightlifting or weight training? I doubt there is any one option that is more advantageous in every category. Machines can be better for some things; freeweights for most things. However, there can be reasons to use a machine over freeweights. More arrows...
by pingo
Thu Jan 12, 2017 2:25 pm
Forum: Personal Consumer Issues
Topic: Weight machine vs free weight
Replies: 64
Views: 3836

Re: Weight machine vs free weight

Hmmmmmm...after relatively little use, the paint on my IM weights was chipping off. Also, with relatively little use, the IM handles rusted through the chrome. In my experience owning both - the powerblocks had a much more durable finish. And, if someone is worried about powerblocks rattling - it's...
by pingo
Wed Jan 11, 2017 6:54 pm
Forum: Personal Consumer Issues
Topic: Weight machine vs free weight
Replies: 64
Views: 3836

Re: Weight machine vs free weight

Re adjustable dumbbells: I was ready to finalize a purchase on Amazon, and then read a review about weights falling off the Soloflex. That frightened me, but a rack of dumbbells of various weights isn't so great either. Has anyone heard of getting injured with an adjustable dumbbell because of weig...
by pingo
Wed Jan 11, 2017 12:55 am
Forum: Personal Consumer Issues
Topic: Weight machine vs free weight
Replies: 64
Views: 3836

Re: Weight machine vs free weight

Re adjustable dumbbells: I was ready to finalize a purchase on Amazon, and then read a review about weights falling off the Soloflex. That frightened me, but a rack of dumbbells of various weights isn't so great either. Has anyone heard of getting injured with an adjustable dumbbell because of weig...
by pingo
Tue Jan 10, 2017 5:39 pm
Forum: Personal Consumer Issues
Topic: Weight machine vs free weight
Replies: 64
Views: 3836

Re: Weight machine vs free weight

Machines often require more room than might appear and one does have to move around when using them. It seems the smaller/quicker they are, the more limited the machine or the more space they require. I love barbells, too, but they require a lot of space and other equipment to keep clutter to a mini...
by pingo
Wed Jan 04, 2017 1:10 am
Forum: Investing - Theory, News & General
Topic: Vanguard Target Date funds - asset alloc
Replies: 10
Views: 1121

Re: Vanguard Target Date funds - asset alloc

This is my understanding, as basic as it may be. Vanguard weighed the historical data with its long-term market forecasts. Forecasts are not the same as market timing. They comprise the legitimate practice of Bogleheads/authors Larry Swedroe, Richard Ferri and William Berstein, as well. Vanguard som...
by pingo
Tue Jan 03, 2017 2:09 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Target Date funds - asset alloc
Replies: 10
Views: 1121

Re: Vanguard Target Date funds - asset alloc

Yes, Vanguard allocates 40% of stocks to international equities:

90% stocks x 40% international = 36% of the portfolio

Is this an employer sponsored plan? Or is it a Vanguard account where you can exchange into any available Vanguard fund?
by pingo
Sat Dec 24, 2016 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: TIPS Morningstar Advice to Retirees
Replies: 11
Views: 1352

Re: TIPS Morningstar Advice to Retirees

Edits: It looks like you're 50% stocks / 50% bonds. My view: adding TIPS is neither harmful nor essential. If one looks to stocks for growing a portfolio (capital appreciation and inflation protection) while looking to bonds for stability and income (particularly in retirement), then using TIPS red...
by pingo
Thu Dec 15, 2016 5:06 pm
Forum: Investing - Help with Personal Investments
Topic: Simplest Solo 401k to setup and manage
Replies: 17
Views: 939

Re: Simplest Solo 401k to setup and manage

I was always under the impression that a Vanguard i401(k) can accept a rollover from another 401(k) (not from an IRA), but I don't remember where I got that idea. Hmmm. I did find this article from The Finance Buff which confirms rollovers should be allowed allowed from some plans, but that IRAs are...
by pingo
Tue Dec 13, 2016 5:38 pm
Forum: Investing - Help with Personal Investments
Topic: choosing new 401k investments
Replies: 9
Views: 847

Re: choosing new 401k investments

I'm sorry again for the radio silence, but the information you provide is incomplete. My options are: **Short Bonds/Stable/MMkt Prudential Guaranteed Income Fund Lord Abbett Short Duration Income R6 - LDLVX Thornburg Limited Term Income R6 - THRRX **Interm./Long-Term Bonds Pioneer Bond K - PBFKX Voy...
by pingo
Mon Dec 05, 2016 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help Please!
Replies: 29
Views: 2143

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: 2143

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: 2143

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: 2143

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: 2143

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: 2143

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: 2143

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: 2143

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: 1844

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: 2143

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: 489

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: 1844

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: 1844

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: 1844

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: 1844

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: 1196

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: 1196

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: 9
Views: 847

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: 1653

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: 9
Views: 847

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: 846

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: 6480

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: 846

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: 979

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: 979

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: 2292

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: 2292

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: 2292

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: 2365

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: 2365

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: 8549

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: 2365

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: 1521

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 ...

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