Search found 10808 matches

by pkcrafter
Wed Jan 18, 2017 4:47 pm
Forum: Investing - Theory, News & General
Topic: Should you be worried about losing money in bonds?
Replies: 6
Views: 938

Re: Should you be worried about losing money in bonds?

livesoft wrote:Ha! Two pet peeves of mine were mentioned in the article: dog food and dry powder.


Ha-ha, +2. But tell me, is the dog food remark worse or better than the cat food remark?

No, we should not be worried about losing money in bonds. Do people that say that actually also hold equities?

Paul
by pkcrafter
Wed Jan 18, 2017 2:42 pm
Forum: Investing - Theory, News & General
Topic: Why should mutual funds have expense ratios, and not expense fees
Replies: 10
Views: 674

Re: Why should mutual funds have expense ratios, and not expense fees

Explanations don't account for some high ER funds. ER doesn't seem to be tied to expenses. OK, at Vanguard this is the case, but certainly it isn't for all funds. Generally speaking, funds with large asset bases should be less expensive than smaller funds, as they can spread their costs across a lar...
by pkcrafter
Wed Jan 18, 2017 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Daring to figure it out for myself: Dare I retire this year?
Replies: 27
Views: 5016

Re: Daring to figure it out for myself: Dare I retire this year?

When you do decide to retire I suggest you reduce your asset allocation to 50/50 at that time. :thumbsup But I hope you also understand your plan will change some. Life is not that precise. Yep, life happens while you are making other plans, but you've shown the ability to keep on top of it, so I d...
by pkcrafter
Tue Jan 17, 2017 9:39 pm
Forum: Investing - Theory, News & General
Topic: Brokers hit $1M revenue milestone
Replies: 6
Views: 1966

Re: Brokers hit $1M revenue milestone

Just remember from whom they are getting that money. It's the last run up. In April these guys are supposed to conform to new fiduciary standards. We'll see.

Paul
by pkcrafter
Tue Jan 17, 2017 7:07 pm
Forum: Investing - Help with Personal Investments
Topic: My co-worker boasting about his investments. What do you think about his selections?
Replies: 57
Views: 4455

Re: My co-worker boasting about his investments. What do you think about his selections?

Friend is holding UVXY, ProShares Ultra VIX short-term futures, ER 1.53% Check out the performance. SD (volatility) is a breath taking 133. One year return -97% http://performance.morningstar.com/funds/etf/total-returns.action?t=UVXY&region=usa&culture=en-US Friend said he's holding this sho...
by pkcrafter
Tue Jan 17, 2017 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: improperly administered SIMPLE IRA: who is responsible?
Replies: 4
Views: 429

Re: improperly administered SIMPLE IRA: who is responsible?

Interesting, does the IRS even know what the IRS is doing? Annual Notice to Eligible Employees You must notify each employee before the beginning of the election period of: The employee’s opportunity to make or change a salary reduction choice under the SIMPLE IRA plan; The employees’ ability to sel...
by pkcrafter
Mon Jan 16, 2017 11:58 am
Forum: Investing - Help with Personal Investments
Topic: 28yr old newbie playing catch up
Replies: 28
Views: 1968

Re: 28yr old newbie playing catch up

Wonderwoman indeed! Your saving rate and paying off loans rate is waaay above average. We consider saving 15% of income a good rate. Are you living with parents or sharing a place? Emergency funds: $0 Establishing an EF must be your first priority now. Depending on your job and it's sensitivity to ...
by pkcrafter
Mon Jan 16, 2017 12:19 am
Forum: Investing - Help with Personal Investments
Topic: Basic Boglehead conversion help!
Replies: 8
Views: 720

Re: Basic Boglehead conversion help!

Delta, I can't let this one go by, my issue is for all financial stuff I typically consult with my adviser close family friend etc over at Janney He ain't a family friend. He has put you in C class funds which contain an ongoing 1% commission. That's why the expense ratios (ERs) are so high. This is...
by pkcrafter
Sun Jan 15, 2017 9:19 pm
Forum: Investing - Theory, News & General
Topic: Who understands REITS?
Replies: 10
Views: 1212

Re: Who understands REITS?

Jonnie I don't understand what makes this asset class go up and down from day to day and month so month. Don't all asset classes go up or down every day? REITS are stocks of companies like all other stocks. From the Oblivious Investor (Mike Piper-Boglehead) Real estate investment trusts (REITs) are ...
by pkcrafter
Sun Jan 15, 2017 8:05 pm
Forum: Investing - Help with Personal Investments
Topic: Where is the best place to keep a 529, and a new member question.
Replies: 11
Views: 490

Re: Where is the best place to keep a 529, and a new member question.

Greg, you are using the wrong plan. The one you are in is an advisor plan. NE has a direct sold version that offers some VG funds. Don't use any of the advisor accounts, they add costs. Check it out here: http://www.savingforcollege.com/529_plan_details/index.php?state_id=28&page=plans_by_state ...
by pkcrafter
Sun Jan 15, 2017 3:02 pm
Forum: Investing - Help with Personal Investments
Topic: New to bogleheads
Replies: 18
Views: 1091

Re: New to bogleheads

Why would you want an ATM card from your investments? I would use your regular bank for ATM withdrawls. lafder Lafder makes a good point. In fact, you should not have a credit card for investments marked for retirement. You never want to withdraw from them until you are retired. As for where to go ...
by pkcrafter
Sun Jan 15, 2017 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Dollar-Cost-Average over HOW MANY years?
Replies: 58
Views: 3356

Re: Dollar-Cost-Average over HOW MANY years?

MikeT, Maybe look at it this way and then decide. You want to be at 80% stock, so if it takes you two years you will then be exposed to the same potential market loss you are worried about now. :happy It can happen any time. If you are going to be worried about losing some amount at 80% stock, then ...
by pkcrafter
Sat Jan 14, 2017 10:07 pm
Forum: Investing - Help with Personal Investments
Topic: Moving Money Around With An IRA
Replies: 4
Views: 467

Re: Moving Money Around With An IRA

Hi Tim
For example within my Roth going back and forth from a Money Market to cash holdings to mutual funds.


This is not what you asked about, but why are you transferring money back and forth?

Pal
by pkcrafter
Sat Jan 14, 2017 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: I can do this. Right?
Replies: 6
Views: 696

Re: I can do this. Right?

While I think a 2.5% withdrawal rate is low and safe, It think it is quite conservative and you could use a higher rate. Having said that, you are on the edge when it comes to need and ability to take risk. You do have a need to increase your total assets, but you don't have the ability to take the ...
by pkcrafter
Fri Jan 13, 2017 10:33 pm
Forum: Investing - Theory, News & General
Topic: UK Financial Conduct Authority Study on Asset Management, Nov2016
Replies: 1
Views: 166

Re: UK Financial Conduct Authority Study on Asset Management, Nov2016

Thanks, this is a very detailed study. Conclusions are no surprise to Bogleheads Investor outcomes 1.24 We looked at the relationship between price, performance and how actively the fund is managed. 1.25 Overall, our evidence suggests that actively managed investments do not outperform their benchma...
by pkcrafter
Fri Jan 13, 2017 10:49 am
Forum: Investing - Help with Personal Investments
Topic: 100% Stock or Bust?
Replies: 17
Views: 1808

Re: 100% Stock or Bust?

House7, I think dbr has provided a very good answer--you need to decide what is best for you considering your personal risk tolerance. Unfortunately that is hard to determine if you haven't experienced trial by fire. You wrote this, which might be an indicator: With being so responsible/conservative...
by pkcrafter
Thu Jan 12, 2017 9:59 pm
Forum: Investing - Help with Personal Investments
Topic: Yield vs Expense Ratio
Replies: 13
Views: 894

Re: Yield vs Expense Ratio

I also believe you are talking about total return and not yield. When comparing funds you have to be sure they are investing in the same kinds of things and carry the same level of risk. High costs are the second reason why investors don't get the returns they should. The first reason is investor be...
by pkcrafter
Thu Jan 12, 2017 9:39 pm
Forum: Investing - Help with Personal Investments
Topic: [Help Evaluating Legal & General S&P 500® Collective Investment Trust Fund Class A]
Replies: 16
Views: 708

Re: [Help Evaluating Legal & General S&P 500® Collective Investment Trust Fund Class A]

Miriam, oops, the ER is .01%. I'll go back and correct.

As for TRPrice, I just read TRP dropped the expense ratio on some of their funds. Still not in Vanguard's range, but still good to see.

Paul
by pkcrafter
Thu Jan 12, 2017 9:33 pm
Forum: Investing - Help with Personal Investments
Topic: Investing Retired Parent's IRA--Emotions vs Logic?
Replies: 13
Views: 961

Re: Investing Retired Parent's IRA--Emotions vs Logic?

70/30 is too high in my opinion, so Fisher is more likely to lose your mom's money than you are. Do you have any power of attorney or are you listed on the accounts? If not, I think you should do that so you can manage. I would stay with Fidelity, but lose Fisher. Here's one way to handle this- - Le...
by pkcrafter
Thu Jan 12, 2017 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: [Help Evaluating Legal & General S&P 500® Collective Investment Trust Fund Class A]
Replies: 16
Views: 708

Re: [Help Evaluating Legal & General S&P 500® Collective Investment Trust Fund Class A]

CITs are very common in 401k plans, but I don't think I've ever seen an ER as low as 0.01%. You get the prize. :happy

Paul
by pkcrafter
Thu Jan 12, 2017 10:30 am
Forum: Investing - Help with Personal Investments
Topic: Another How Much To Save For Retirement
Replies: 9
Views: 1105

Re: Another How Much To Save For Retirement

If you are saving 40k/year, then you are saving 10% of income. That should be a minimum. Also, you might think of it this way: If you require 100K/year now, it would take 2.5M to generate that (4% WR), but that number will roughly double in 25 years due to inflation, so you would need 5M and you wou...
by pkcrafter
Tue Jan 10, 2017 6:08 pm
Forum: Investing - Help with Personal Investments
Topic: Please Help With Friend's Investments!
Replies: 5
Views: 364

Re: Please Help With Friend's Investments!

austin, since your friend is not knowledgeable, you should clarify this statement.

Just sent in another SEP IRA check for $14,500....will need to be put into something...


Was this an IRA transfer, or what?

Paul
by pkcrafter
Tue Jan 10, 2017 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: American Funds vs. index funds - comparing returns
Replies: 20
Views: 1868

Re: American Funds vs. index funds - comparing returns

prd wrote: The adviser is paid via 12b-1 fees. How much is the 12b-1 fee? I believe American is dropping many front-end fees to comply with upcoming new fiduciary regs in April. American funds have performed well, but I don't see how we might give you useful answers if you don't want to provide some...
by pkcrafter
Mon Jan 09, 2017 11:51 pm
Forum: Investing - Theory, News & General
Topic: Fidelity cuts index fund fees (but returns are lower).
Replies: 47
Views: 5080

Re: Fidelity cuts index fund fees (but returns are lower).

FSTVX tracks the DJ US Total Stk Mkt. Vanguard tracks CRSP US Total Market Index.

Paul
by pkcrafter
Mon Jan 09, 2017 10:51 pm
Forum: Investing - Theory, News & General
Topic: Bill Sharpe's preferred portfolio
Replies: 9
Views: 2187

Re: Bill Sharpe's preferred portfolio

Thanks, Quark, good interview.

Paul
by pkcrafter
Mon Jan 09, 2017 8:00 pm
Forum: Investing - Theory, News & General
Topic: How to know your risk tolerance, without ever living through a crash?
Replies: 29
Views: 2254

Re: How to know your risk tolerance, without ever living through a crash?

neomutiny, as I see it, the market could drop 20-25% and you would be OK. But what caused it to drop in the first place? It's always the same reason, investors are selling. They sell based on news or an unexpected event, or simply because everyone else is selling in panic mode. Initial selling has a...
by pkcrafter
Sun Jan 08, 2017 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Considering the services of a CFP
Replies: 36
Views: 2164

Re: Considering the services of a CFP

MrMojoRisin wrote: I don't think the 5.7 included the management fees, as the book seems geared more towards the DIY... Of course it didn't. Yeah, he must have forgotten to mention that. Pay him to set things up where I can handle it and go from there. I would like to have some guidance as I move fu...
by pkcrafter
Sat Jan 07, 2017 11:28 pm
Forum: Personal Finance (Not Investing)
Topic: Considering the services of a CFP
Replies: 36
Views: 2164

Re: Considering the services of a CFP

Did the advisor say you could safely withdraw 5.7%, or did you tell him that's what you wanted to do? Does the 5.7% include the 1% advisory fee and other costs like taxes?

Paul
by pkcrafter
Sat Jan 07, 2017 4:45 pm
Forum: Investing - Theory, News & General
Topic: "The 401k Problem We Refuse to Solve"
Replies: 49
Views: 4235

Re: "The 401k Problem We Refuse to Solve"

Nicely done, Portfolio7. :thumbsup Living the Retirement Blues (12 bar aab pattern I believe it's called, iambic pentameter, just for fun ) I lost my pension, lost my job now I'm running with an angry mob Re-education, what's the point let go again from a different joint If I had work I'd save more ...
by pkcrafter
Sat Jan 07, 2017 2:19 pm
Forum: Investing - Theory, News & General
Topic: A few very basic investing theory questions that have bugged me lately
Replies: 49
Views: 4344

Re: A few very basic investing theory questions that have bugged me lately

1. If indices like the S&P 500 are selected by a committee based on requirements of fundamental analysis, then by extension aren't index funds that track the S&P 500 really just indirectly actively managed funds since the underlying index is actively managed? The big difference between an in...
by pkcrafter
Sat Jan 07, 2017 10:28 am
Forum: Investing - Help with Personal Investments
Topic: Mutual fund suggestions
Replies: 12
Views: 558

Re: Mutual fund suggestions

I recently cashed out our two mutual funds From a taxable account, I hope? As for what to buy with the 10k, it depends on what you already hold. You should view all accounts marked for retirement as one portfolio. Would this be in a taxable account? It isn't clear because your list of contenders ha...
by pkcrafter
Sat Jan 07, 2017 10:19 am
Forum: Investing - Help with Personal Investments
Topic: Index Funds - ETFs - Are you ready to grumble?!
Replies: 10
Views: 813

Re: Index Funds - ETFs - Are you ready to grumble?!

Agree with ruralavalon on personal preference for traditional mutual funds. I don't worry about not being able to trade shares during the day (a feature of ETFs). When one is holding for decades, being able to trade interday is a non-issue. To add to this, John Bogle doesn't care much for ETFs beca...
by pkcrafter
Fri Jan 06, 2017 9:58 pm
Forum: Investing - Help with Personal Investments
Topic: Rookie wanting to learn...everything about investing
Replies: 18
Views: 1031

Re: Rookie wanting to learn...everything about investing

AMDT, you have two separate plans. Non-Exempt Retirement Plan Eligibility: If you're a non-exempt employee, you automatically participate in the Non-Exempt and Frozen Retirement Plan if you work at least 910 hours in a plan year. There are no investment choices for you to make, but you still need to...
by pkcrafter
Fri Jan 06, 2017 5:22 pm
Forum: Investing - Theory, News & General
Topic: I am timing the market. Why am I wrong?
Replies: 89
Views: 5698

Re: I am timing the market. Why am I wrong?

Welcome, Olibri, heck of a first post! And you are market timing. I'm looking for someone to explain why I am wrong. I am totally putting myself out here, so if I'm wrong, I'm wrong, but I wanted to explain my thinking to get out of my own head and find the truth. Please don't simply quote the mill...
by pkcrafter
Fri Jan 06, 2017 3:32 pm
Forum: Investing - Help with Personal Investments
Topic: How will the market perform in 2017?
Replies: 45
Views: 3139

Re: How will the market perform in 2017?

I would like to invite your thoughts on how the market will perform in 2017 and why and what measures you are taking to take advantage of this situation. I'm a believer in the Lipstick Effect so I hang out at the local Marshall Fields and watch lips and sales and when the time is ripe, move my mone...
by pkcrafter
Fri Jan 06, 2017 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: How to read vanguard webpage: returns of investment
Replies: 3
Views: 415

Re: How to read vanguard webpage: returns of investment

BrokenBroker, I'm not sure what page you are referring to, but maybe this page will help, unless this is the page you don't understand. https://investor.vanguard.com/investing/portfolio-management/performance-details You will probably have to provide a specific example before you start getting repli...
by pkcrafter
Fri Jan 06, 2017 1:12 pm
Forum: Personal Consumer Issues
Topic: Cookies that don't go away
Replies: 19
Views: 1591

Re: Cookies that don't go away

azurekep, thanks for the tip.

surfstar, took a second... :happy :thumbsup

Paul
by pkcrafter
Fri Jan 06, 2017 11:56 am
Forum: Investing - Help with Personal Investments
Topic: Beginning to invest
Replies: 11
Views: 1024

Re: Beginning to invest

Here's a link to the posting format.

viewtopic.php?t=6212

Paul
by pkcrafter
Fri Jan 06, 2017 11:29 am
Forum: Personal Consumer Issues
Topic: Cookies that don't go away
Replies: 19
Views: 1591

Re: Cookies that don't go away

The reason it kept coming back was it had deactivated ad blocker. What a pain and unnecessary waste of your time. Seems like Wayfair's practice is over the top and should be reported so they are forced to stop it. I can't say I know WHERE it should be reported to though. Maybe epic.org? Anyone know...
by pkcrafter
Fri Jan 06, 2017 11:26 am
Forum: Investing - Theory, News & General
Topic: VMMXX-Vanguard Prime Money Market is 55% Yankee/Foreign
Replies: 25
Views: 2262

Re: VMMXX-Vanguard Prime Money Market is 55% Yankee/Foreign

Lack_ey and Valuethinker, thanks for mentioning the difference/definition of Yankee bonds and Yankee debt instruments.

Paul
by pkcrafter
Fri Jan 06, 2017 10:59 am
Forum: Personal Consumer Issues
Topic: Cookies that don't go away
Replies: 19
Views: 1591

Re: Cookies that don't go away

I finally got rid of this thing. The malwarebytes full scan caught it. The reason it kept coming back was it had deactivated ad blocker.

Thanks for the help,


Paul
by pkcrafter
Thu Jan 05, 2017 10:13 pm
Forum: Personal Consumer Issues
Topic: Cookies that don't go away
Replies: 19
Views: 1591

Re: Cookies that don't go away

Yesterday I got an annoying ad in my inbox, which is extremely rare. It was from Wayfair and I could not delete the email because it places a small photo over the delete button. also could not click on it move to spam. What email client are you using? Regardless, 1. Run MalwareBytes Anti-Malware 2....
by pkcrafter
Thu Jan 05, 2017 9:29 pm
Forum: Personal Consumer Issues
Topic: Cookies that don't go away
Replies: 19
Views: 1591

Re: Cookies that don't go away

Thanks Tamales, I was thinking of buying a Chromebook, but not any more. I'm using firefox with ad block and I've never gotten ads or emails that won't go away. Malwarebytes didn't find anything, so I'll try CCcleaner. jebmke, I'm able to go into cache and delete specific cookies, but this one keeps...
by pkcrafter
Thu Jan 05, 2017 8:30 pm
Forum: Personal Consumer Issues
Topic: Cookies that don't go away
Replies: 19
Views: 1591

Re: Cookies that don't go away

Thanks, good suggestions. I will run malwarebytes first and see if that helps.

Paul
by pkcrafter
Thu Jan 05, 2017 8:23 pm
Forum: Personal Consumer Issues
Topic: Cookies that don't go away
Replies: 19
Views: 1591

Cookies that don't go away

Yesterday I got an annoying ad in my inbox, which is extremely rare. It was from Wayfair and I could not delete the email because it places a small photo over the delete button. also could not click on it move to spam. I'm using Firefox and went into the cache and manually deleted Wayfair plus a lot...
by pkcrafter
Wed Jan 04, 2017 10:07 pm
Forum: Investing - Theory, News & General
Topic: Why S & P 500 fund is safer than Total Stock Market fund
Replies: 40
Views: 5140

Re: Why S & P 500 fund is safer than Total Stock Market fund

MusicBiz wrote: the 500 largest US companies, which will almost certainly continue to perform well, even if the US economy stagnates. Well, you heard it here first. :happy MusicBiz, "certainly" in not a word that goes well with market predictions. Total stock market is 80% S&P500. Paul
by pkcrafter
Wed Jan 04, 2017 8:23 pm
Forum: Investing - Theory, News & General
Topic: "Ponzi Schemes and Ego"
Replies: 10
Views: 1649

Re: "Ponzi Schemes and Ego"

Thanks for posting this, Taylor. I find myself reading more and more of what Ben Carlson writes. In the article you link is another link to the Dunning-Kruger effect. The Dunning-Kruger effect shows that people do not — or cannot — recognize just how incompetent they are in certain areas of life. We...
by pkcrafter
Wed Jan 04, 2017 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: Investment fund to IRA?
Replies: 5
Views: 436

Re: Investment fund to IRA?

Welcome, NezPierce, Sorry for more questions, but information is critical for good replies. Your age? Where is this fund held, at TRPrice or a brokerage? Whatever you do, do not take the money out of the IRA. You can change funds to one with lower stock at no cost expect maybe a transaction fee depe...
by pkcrafter
Wed Jan 04, 2017 10:09 am
Forum: Investing - Help with Personal Investments
Topic: Should I max my Roth TSP or invest?
Replies: 40
Views: 3599

Re: Should I max my Roth TSP or invest?

Welcome Slov, you are off to a great beginning. Starting to save at an early age is a great advantage because of the power of compounding over a long time period, plus you learn discipline and money management. One thing I would strongly suggest is do not use a Roth or any other long-term retirement...

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