Search found 2467 matches

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: 3044

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: 707

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: 707

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: 1643

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: 707

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?
by pingo
Fri Jul 01, 2016 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer Vanguard Funds to T. Rowe Price?
Replies: 6
Views: 468

Re: Transfer Vanguard Funds to T. Rowe Price?

Likewise, if my employer plan moved to T.Rowe Price, I'd be very happy. T. Rowe Price is one of the good guys of active management. That said, I'd probably leave the Vanguard account alone.
by pingo
Fri Jul 01, 2016 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: Please show me why three fund is better than this...
Replies: 44
Views: 3044

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

Each fund in the ideal Three Fund Portfolio is mathematically certain to provide above average returns over the long haul when compared to funds of the same category. However, other categories will perform differently, for better or for worse. There is no way to know ahead of time which categories w...
by pingo
Thu Jun 30, 2016 10:25 pm
Forum: Investing - Theory, News & General
Topic: Why do Bogleheads tend to hold more bonds?
Replies: 67
Views: 9741

Re: Why do Bogleheads tend to hold more bonds?

^ You'd have to do far "worse" than that to get thrown out of this community. 25% long-term treasuries are part of the "orthodox" Boglehead-ish Harry Browne Permanent Portfolio.
by pingo
Fri Jun 10, 2016 11:59 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio [Help with investment options]
Replies: 9
Views: 1562

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

Hmmm. You had indicated a need/desire for a "total" international stock index fund, so that's where we've been focused. TDAmeritrade does offer a few other commission-free international ETFs, but they are unnecessary. For example, 80% of VEU is comprised of foreign developed markets, so Va...
by pingo
Fri Jun 03, 2016 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: 401k asset allocation help
Replies: 11
Views: 748

Re: 401k asset allocation help

I still strongly recommend you take advantage of the availability of Vanguard's target funds in your employer plan for the effectiveness and simplicity they can provide. But you must consider you're own preferences and philosophy. You are not obligated to use the date they've recommended if you beli...
by pingo
Fri Jun 03, 2016 11:51 am
Forum: Investing - Help with Personal Investments
Topic: New 401k - Which Funds for 3-Fund Protfolio
Replies: 21
Views: 1762

Re: New 401k - Which Funds for 3-Fund Protfolio

But honestly, this question has been bouncing around in my mind; The way I understand it is bonds allocation is meant to stabilize the portfolio, which makes a lot of sense as retirement approaches, but if I'm not retiring for 30 years, do I even really need it stabilized within the next decade, or...
by pingo
Fri Jun 03, 2016 11:38 am
Forum: Investing - Help with Personal Investments
Topic: 401k asset allocation help
Replies: 11
Views: 748

Re: 401k asset allocation help

Simplicity is where its at. I am a big fan of Vanguard's Target Funds. They're really not funds, though. When you select one, you are selecting a portfolio of funds, the same as we'd recommend here. You get a top-rate investment vehicle developed by the experts' experts delivered to you at a low, lo...
by pingo
Fri Jun 03, 2016 3:39 am
Forum: Personal Consumer Issues
Topic: Anyone convert a van for travel/camping?
Replies: 38
Views: 3578

Re: Anyone convert a van for travel/camping?

My grandparents had a van in the late 70's -early 80's that this discussion has brought to mind. The front seats were captains chairs, behind which was a bench seat that fit at least three, maybe four (?). Behind the Bench seat was a platform resting on some kind of low profile supports that were mo...
by pingo
Thu Jun 02, 2016 7:16 pm
Forum: Investing - Help with Personal Investments
Topic: New 401k - Which Funds for 3-Fund Protfolio
Replies: 21
Views: 1762

Re: New 401k - Which Funds for 3-Fund Protfolio

Yes, I'm planning on going aggressive right now due to I'm 35 and have several years to go before retirement. My instincts tell me that an unspecific reference to having an "aggressive" portfolio will result in what Duckie, ruralavalon, Taylor and I all consider to be very, highly or extr...
by pingo
Wed Jun 01, 2016 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: New 401k - Which Funds for 3-Fund Protfolio
Replies: 21
Views: 1762

Re: New 401k - Which Funds for 3-Fund Protfolio

As a very general rule (when there is no other compelling reason to avoid it), we recommend a single, high quality, intermediate-term bond fund for one's bond portion. Fidelity Advisor Total Bond (FEPIX) is a decent fit. However, I accept the reasons for holding Vanguard Short-Term Federal (VSGDX), ...
by pingo
Mon May 30, 2016 11:10 am
Forum: Investing - Help with Personal Investments
Topic: Thinking of removing funds from target retirement funds and investing by myself
Replies: 21
Views: 2243

Re: Thinking of removing funds from target retirement funds and investing by myself

Shakespeare's Duke of Albany said: Were it not sinful then, striving to mend, To mar the subject that before was well? I'll note the irony that OP is interested in changing to a "Lazy Portfolio" from the simplest, laziest, low cost, extremely effective lazy portfolio option (a Vanguard Ta...
by pingo
Thu May 26, 2016 2:01 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio [Help with investment options]
Replies: 9
Views: 1562

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: 3070

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: 3070

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: 9
Views: 1562

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: 51
Views: 5383

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: 3487

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: 55
Views: 6871

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: 568

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: 1738

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: 568

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: 3044

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: 568

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: 3044

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: 3044

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: 2197

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: 2197

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: 2197

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: 2197

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: 2197

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: 2197

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: 2197

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: 4180

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: 1065

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: 1489

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: 1489

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: 1489

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: 1489

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: 6183

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: 702

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: 702

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: 702

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: 775

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: 6183

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...

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