Search found 2538 matches

by pingo
Thu Apr 27, 2017 10:53 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Questions and Review
Replies: 7
Views: 727

Re: Portfolio Questions and Review

That's right. There are those that will prefer to manage their portfolio to cut out any basis points they can. The argument—it's a good one—is that $600 is $600 and it is something over which we have control. When it comes to investing, costs and asset allocation are two of the few areas where we ca...
by pingo
Thu Apr 27, 2017 12:23 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Questions and Review
Replies: 7
Views: 727

Re: Portfolio Questions and Review

I don't visit this site as much as I used to, but this thread caught my eye and I figured I'd try to add my $0.02 if it didn't resolve quickly. One Fund? Really? Do Bogleheads put $1M in a single fund like the FXIFX Fidelity Freedom® Index 2030 Fund - Investor Class ER=0.15 ? Yes. In reality, the Fi...
by pingo
Mon Apr 17, 2017 11:14 pm
Forum: Investing - Help with Personal Investments
Topic: First Full-Time Job: Need Help Picking Funds
Replies: 21
Views: 1228

Re: First Full-Time Job: Need Help Picking Funds

Max out 457b and Roth IRA before thinking about a taxable account. Your good options look to be: [*]Vanguard Total Bond Market Index Fund (VBMPX/0.05) [*]Vanguard Institutional Index Fund – Plus Shares (VIIIX/0.02) [*]Vanguard Mid Cap Index - Institutional Plus (VMCPX/0.06) [*]Vanguard Small Cap Ind...
by pingo
Wed Apr 05, 2017 3:54 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation Advice
Replies: 18
Views: 1498

Re: Allocation Advice

OP, does your 401k have an after-tax 401k feature with the ability to take distributions from the after-tax 401k at least once per year? Be advised that I'm not referring to your 401k Roth option. I'm referring to an After-tax 401k option. It can be a way to get loads of extra savings from your a 40...
by pingo
Fri Mar 24, 2017 12:24 am
Forum: Investing - Help with Personal Investments
Topic: 401K Advice
Replies: 20
Views: 1188

Re: 401K Advice

Patience, young grasshopper. Yes, those are the quintessential funds. It is arguable you need nothing else. (I am partial to Vanguard Target Funds, but in my mind it's a question of six of one, half dozen of the other.) But, DON'T change your funds around until we see how the big picture shakes out....
by pingo
Wed Mar 22, 2017 6:01 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Advice
Replies: 20
Views: 1188

Re: 401K Advice

Please look at your 401k Plan Document to see if your 401k allows both of the following: 1. After-tax contributions (a.k.a. After-Tax 401k ) above and beyond your personal pre-tax contributions. (NOT the same as Roth contributions.) 2. In-service distributions of after-tax amounts at least once per ...
by pingo
Wed Mar 22, 2017 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Advice
Replies: 20
Views: 1188

Re: 401K Advice

Thank you for the updates. Please update your initial post to provide the expense ratios for each fund in the 401k. Also, please provide information about how much you contribute/will contribute to the 401k, Roth and "taxable" account each year for the forseeable future. Please give us the...
by pingo
Wed Mar 08, 2017 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: Wellesley or Balanced index?
Replies: 26
Views: 1565

Re: Wellesley or Balanced index?

It factors in a bit, but Morningstar rates the risk for both as below avg, and the Vanguard website rates them both as 3/5 risk factor, so if it's a better fund, the risk level doesn't seem too wide between the two [though I know having more stock AA will present more risk] Not trying to derail you...
by pingo
Wed Mar 08, 2017 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: Wellesley or Balanced index?
Replies: 26
Views: 1565

Re: Wellesley or Balanced index?

Balanced Index Fund is nearly twice as risky as Wellesley due to it's higher stock allocation. Does that factor into your decision?
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: 2833

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: 1803

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: 2833

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: 1803

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: 1664

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: 1664

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: 4025

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: 4025

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: 4025

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: 4025

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: 4025

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: 1196

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: 1196

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: 1423

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: 1036

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: 943

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: 2301

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: 2301

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: 2301

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: 2301

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: 2301

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: 2301

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: 2301

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: 2301

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: 1933

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: 2301

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: 511

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: 1933

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: 1933

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: 1933

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: 1933

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: 1241

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: 1241

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: 943

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: 1694

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: 943

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: 898

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: 6852

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: 898

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: 12
Views: 1132

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...

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