Search found 2451 matches

by pingo
Thu May 26, 2016 2:01 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio [Help with investment options]
Replies: 6
Views: 920

Re: The Three-Fund Portfolio [Help with investment options]

Per TDAmeritrade , you'll have to use Vanguard FTSE All-World ex-US Index Fund ETF Shares (VEU) ER 0.13. If you use VXUS, I believe you'll be charged a commission. VEU is just as good: Vanguard Total International (VGTSX) of which VXUS is a share class Vanguard FTSE All-World Ex-US of which VEU is ...
by pingo
Thu May 26, 2016 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: As bad as I think it is? [403(b) plan choices]
Replies: 36
Views: 2878

Re: As bad as I think it is?

Do the fees include the .35% admin charge, or is the .35% on top of the already high expense ratios. My question is the same. Take heart, OP. We hate those expense ratios, but all is not lost. Invest you can and invest you must. Those expense ratios are bad, but they are not the worst we've seen wh...
by pingo
Wed May 25, 2016 10:42 pm
Forum: Investing - Help with Personal Investments
Topic: As bad as I think it is? [403(b) plan choices]
Replies: 36
Views: 2878

Re: As bad as I think it is?

I'd like to say that I love OP's username. :wink:
by pingo
Wed May 25, 2016 12:01 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio [Help with investment options]
Replies: 6
Views: 920

Re: The Three-Fund Portfolio [Help with investment options]

I'll add the following: 1. DO NOT purchase traditional vanguard index funds through TDAmeritrade, Schwab, Fidelity, others. You will pay a large transaction fee for every purchase into the fund. Don't quote me, but I think TD's fee is $50 or $75 or something like it. A $50 transaction fee adds a 0.5...
by pingo
Tue May 24, 2016 6:12 pm
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway always beats SP500
Replies: 47
Views: 4340

Re: Berkshire Hathaway always beats SP500

I'm a fan of Berkshire/Buffet, but I don't know about "always beats". The only period that matters to me is the period I roughly have held the stock: http://i64.tinypic.com/2ptcher.jpg :( Did Yahoo Finance also consider the following periods? http://i64.tinypic.com/2mmd1qc.jpg http://i63.t...
by pingo
Sat May 14, 2016 8:05 pm
Forum: Investing - Help with Personal Investments
Topic: S&P 500 real return since 2000
Replies: 33
Views: 3314

Re: S&P 500 real return since 2000

From 03/01/2000 through 04/30/2016, any lump sum investment in VFINX doubled in size. I wish it would have grown more, but it's one of the best options most of us have.
by pingo
Fri May 13, 2016 1:28 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Spartan Funds - name changes
Replies: 48
Views: 5033

Re: Fidelity Spartan Funds - name changes

"Advantage" sounds like I have one. "Premium" sounds like I'm going to be charged one.

I'd rather have an Advantage than a Premium.
by pingo
Tue May 10, 2016 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: 401k fund allocation help
Replies: 7
Views: 509

Re: 401k fund allocation help

Right now you are "Age-minus-13" in bonds. If you're desire is to gradually add bonds over the years, keeping things at "age-minus-13" will have you increase your bond allocation by 1 percentage point each year. When you are 53 years old, your asset allocation would be 60% stocks...
by pingo
Mon May 09, 2016 10:20 pm
Forum: Investing - Help with Personal Investments
Topic: Transferring 401k to Brokerage Link
Replies: 20
Views: 1579

Re: Transferring 401k to Brokerage Link

The tickers you list might not quite be for the funds, but they'd be fine proxies. Some of the index fund assets managed by BlackRock don't have tickers, but they know what they're doing. For example, BlackRock manages index funds for the Federal Government's Thrift Savings Plan, which has a large a...
by pingo
Mon May 09, 2016 5:56 pm
Forum: Investing - Help with Personal Investments
Topic: 401k fund allocation help
Replies: 7
Views: 509

Re: 401k fund allocation help

Good to hear! When you put together her 403b information, please edit your originating post her so we have the whole picture for both of you in one place. Once submitted, add another post telling us you updated thread with wife's information because we only receive notification for new posts, not fo...
by pingo
Fri May 06, 2016 8:36 pm
Forum: Investing - Theory, News & General
Topic: LifeStrategy Moderate Growth fund or its components?
Replies: 33
Views: 2905

Re: LifeStrategy Moderate Growth fund or its components?

And if a LifeStrategy fund's current asset allocation has the broad stock-bond ratio one is looking for (or close to it) and the same U.S.-International stock ratio one is looking for (or close to it), it is a reasonable, low cost option through which one may obtain a complete, uber-diversified port...
by pingo
Fri May 06, 2016 5:39 pm
Forum: Investing - Help with Personal Investments
Topic: 401k fund allocation help
Replies: 7
Views: 509

Re: 401k fund allocation help

+1 gr99gt , After 1 post, welcome to the forum! :D I hope you won't feel short-changed when no one else pops in with advice. It's because of what you did right : 1. You posted all the relevant information in a your opening post exactly as recommended , so that 2. Duckie was able to offer a complete ...
by pingo
Wed May 04, 2016 10:28 pm
Forum: Investing - Theory, News & General
Topic: LifeStrategy Moderate Growth fund or its components?
Replies: 33
Views: 2905

Re: LifeStrategy Moderate Growth fund or its components?

As far as I'm concerned, the ability of Wellington to change allocations -- to the extent they use it -- is as bad of an idea as it was to have Asset Allocation in the LS. It just hasn't misfired yet. If they use it, it very likely will -- this stuff just doesn't work, as we can see widely in the s...
by pingo
Wed May 04, 2016 4:21 pm
Forum: Investing - Theory, News & General
Topic: LifeStrategy Moderate Growth fund or its components?
Replies: 33
Views: 2905

Re: LifeStrategy Moderate Growth fund or its components?

I just always look at star and think if I want active management why would I choose it over Wellington? Though star is a good fund in itself. Perhaps if I want more international stocks vs wellington. Bouncing off that I'll add that I break down the decision roughly in those terms. LifeStrategy, ST...
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: 2035

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: 2035

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: 2035

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: 2035

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: 2035

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: 2035

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: 2035

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: 4052

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: 1008

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: 1415

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: 1415

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: 1415

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: 1415

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: 6131

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: 659

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: 659

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: 659

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: 718

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: 6131

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: 13001

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: 801

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: 801

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: 553

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: 403

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: 407

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: 2288

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: 2288

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: 2288

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: 2288

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: 2288

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: 2288

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: 2288

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: 2288

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: 1086

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: 1086

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 ...

Go to advanced search