Bogleheads.org

pkcrafter

FTIPX in my 401k Brokerage Link account has a 1% redemption fee. This bothers me, but I don’t know why. Is there a better Fidelity option for international stock? I’m comfortable with my other investment options in the other accounts. Can someone explain to me in English when that 1% would kick in,...

pkcrafter

Welcome, Hi I have been lurking for awhile on this site and really have learned a lot. Thank you all!. I am embarrassed to say but my husband and I have multiple investment accounts scattered all over and we really had no idea what our allocation was or should be. After reading up on this site and a...

pkcrafter

I have been a member of this forum for more than three years. I have been following the general ideas advocated here, three-fund portfolio in general, buy and hold, not time the market, max tax-advantaged accounts first, etc. These principles have helped me get good performance in the past few year...

pkcrafter

There's a book by Rick Van Ness that might be what you're looking for. It's titled " Why Bother With Bonds? ". There's a whole section titled "Are CD's Better Than Bonds?", and another titled "Indivudal Bonds or a Bond Fund?". It's available in paperback and Kindle versions. +1 on this recommendati...

pkcrafter

Ritholtz/Mauboussin on risk and uncertainty:

http://ritholtz.com/2012/12/defining-ri ... ncertainty:

Travis Morien: Risk is not having the money when you need it to buy something important

Paul

pkcrafter

I have $200K in American funds at Prudential (bought a long time ago...). Would it be cost effective to move them to Schwab? Also will Schwab accept a different asset class than the one they offer? Tx! Welcome, If you provide a little more information, you will get answers that may be more helpful....

pkcrafter

First, this is not my idea, I just heard about it, and I'm not going to do it with my 40/60 portfolio. I guess it is a bit of psychological deception. :happy The idea is in times like this when the market is rising, but investors believe it can't go on, you would rebalance minus an additional 5%. Fo...

pkcrafter

Thanks, DK. It will be interesting to see if there are any changes in the 401k expenses at the first of the year.

Paul

pkcrafter

I'm 34 and will be joining a partnership in January, we have opportunity to revamp our office 401k, which currently only offers a limited number of American Funds. If you were building a 401k from scratch, which funds would you want access to, assuming you planned on maxing out every year ($54K?) A...

pkcrafter

Wow, those ERs are really high, but what's worse, and the reason why they are so high, is R-2 funds contain a 0.75% 12b-1 fee (commission). That raises the question, is this plan really conforming to the new fiduciary standard? It's a terrible plan, and you have to wonder why it was selected. Is th...

pkcrafter

Meir Statman and the Dividend Puzzle Meir Statman on dividends. From the book: Finance for Normal People Why then do so many investors care if their money is in their dividend pocket or their capital pocket? This is what economist Fischer Black called “The Dividend Puzzle.” “Normal-ignorant investor...

pkcrafter

Wow, those ERs are really high, but what's worse, and the reason why they are so high, is R-2 funds contain a 0.75% 12b-1 fee (commission). That raises the question, is this plan really conforming to the new fiduciary standard? It's a terrible plan, and you have to wonder why it was selected. Is the...

pkcrafter

The "average" investor would not know the true benchmark--it would mean nothing to them. The S&P500 is the market benchmark and most every one has at least heard of it, although in many cases it isn't the correct benchmark. I don't know if it's better to be accurate or less confusing to average inve...

pkcrafter

Theseus wrote: ↑
Thu Sep 14, 2017 10:51 am
Thank you! I will go and see how it is.

Good, give us a review when you get back.

Paul

pkcrafter

avp, what is your current savings rate (% of income) and asset allocation?

Does your husband have a small business investment plan?

Paul

pkcrafter

I am trying to decide if this year's conference is worth attending. It will be my first time. For those who have attended this conference in the past, what value do you assign to it? Is it worth attending? I am an index investor but investment related topics interest me a lot. I have never attended...

pkcrafter

Akweli Parker: All right, so what is the appeal, then, of these dividend-oriented equity strategies that you write about?

That is the question. Not a very impressive discussion.

Paul

pkcrafter

Small business options from Vanguard

https://investor.vanguard.com/what-we-o ... pare-plans

Paul

pkcrafter

Hacksaw, your withdraw rate when you retire will need to be 4% or less, so how much more do you need in accumulated assets to meet that goal considering the pension and SS will help reduce the amount you need to withdraw? One thing that jumps out here is you have no taxable accounts and no emergency...

pkcrafter

I came across this paper yesterday. https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2604248 Apart from the apparent(?) spelling mistake in the title it looks like it's good stuff - one of the things that looks interesting is that compared to say momentum or moving averages rules which I was tol...

pkcrafter

Oh, oh, Nisiprius may be the harbinger of bad news. The best thing for Seides to do is get out of the market 'till the end of the year and wait for a crash. On the other hand, the bet is a paltry 1MM, so no big deal. Funny thing is that if the bet was made public immediately, Seides would have littl...

pkcrafter

What if I have a strategy to earn 15% per year

That would be great, but you don't have a strategy to earn 15% a year.

Paul

pkcrafter

Article on index funds. http://www.marketwatch.com/story/why-way-fewer-actively-managed-funds-beat-the-sp-than-we-thought-2017-04-24 Article on why index funds work. https://web.stanford.edu/~wfsharpe/art/active/active.htm “The grim irony of investing, then, is that we investors as a group not only ...

pkcrafter

Welcome to the forum. You are making a few mistakes in your comparison. First, PFZMX is 80% stock, and VBIAX is 60% stock. In addition, PFZMX uses leverage, so it's risk is almost as high as 100% stock. It's returns over the last five years are significantly lower than VBIAX. One year comparisons ar...

pkcrafter

I want to thank all of you for your thoughtful responses. I am still struggling with what I want my asset allocation to look like, but you guys have given me lots of food for thought. I know that many of my questions don't have simple answers. And many are probably dumb questions. Asset allocation ...

pkcrafter

Here's why I'm asking... Wife has a 401k, company has entered into a deal with Financial Engines where they will review asset allocation considering her age, expected time to retirement, desired retirement income, etc etc etc for a charge of 0.60 percent of assets (discount if over 100K). They will...

pkcrafter

livesoft wrote: ↑
Thu Sep 07, 2017 8:46 pm
Yes, depends on other income, tax brackets, account types, cost basis methods, and tax lots -- none of which you told us about.

True, but the most important thing is, is the 1M in tax-advantaged accounts or taxable accounts. Roths or TIRA?

Paul

pkcrafter

I'd like to allocate 10% of my retirement accounts to bonds. I have no tax deferred account. I only have taxable with vanguard and tax free(Roth ira and Roth tsp/401k). I am try to figure out if it's best to use F/G fund in Roth TSP or bonds funds in my taxable account either total bond market fund...

pkcrafter

Here's the breakdown of Vanguard's Total World stock index. https://personal.vanguard.com/us/funds/snapshot?FundId=0628&FundIntExt=INT Here's a breakdown of the U.S. total market https://www.bogleheads.org/wiki/Approximating_total_stock_market I think the global asset allocation is about 60% stock, ...

pkcrafter

] The article is OK, but look what that video claims. It states that if you want a good retirement that will last 25 years, you will need to have saved at least 8 times your ending salary. Eight times? That's a 12.5% initial withdrawal rate. Can it last 25 years? Paul The withdrawal rate is calcula...

pkcrafter

Saw a good article on retirement investing and withdrawals on CNN.com this morning. Offering it to others for it's perspective. "A Simple but Effective Retirement Income Plan" http://money.cnn.com/2017/09/06/retirement/retirement-income-plan/index.html?iid=hp-stack-dom Cheers, Ray The article is OK...

pkcrafter

I have a hard time agreeing with No. 2. If it is as easy as simply taking more risk, then more investors should beat indexing, but that presents a problem as well. If everyone took more risk, market returns would be higher across the board (maybe) and the market would capture the increase--more inv...

pkcrafter

Folks, We've all heard that it's hard to beat the market, in the long run. But I'm not sure exactly what is meant by this phrase. To me, there are two possibilities that are consistent with theory that I've read: (1) Over a long time period (say, 40 years), it is very unlikely that an actively-mana...

pkcrafter

I'm opening a new taxable account at Vanguard and don't know which account type to select - Individual or Joint. Does it really make any difference? I've read the other threads on this forum and it's still not clear to me. I already have 2 accounts at Vanguard, a Rollover IRA and Roth. Both are in ...

pkcrafter

I already opened a Roth IRA through Merrill Edge, but after researching, would like to start funding it with Index Funds. Are there any negatives to buying a Vanguard Index Fund such as Vanguards Balanced Index Fund (VBINX) through Merrill Edge or would it be more prudent to open an account with Va...

pkcrafter

TRPrice now has a total market index fund with an ER of 0.3%. Still a lot higher than Vanguard, Fidelity, or Schwab, but a lot better than 0.81%.

Paul

pkcrafter

VictoriaF wrote: ↑
Wed Sep 06, 2017 3:18 pm

Ben Carlson wrote:9. No investor is right all the time.
Taylor is!

Victoria

pkcrafter

Thanks Lobster, excellent link. And thanks to Ben Carlson for another winner.

Paul

pkcrafter

Edward Jones has already made the shift by requiring investors to be placed in Guided Solutions with it's 1.35% fee. You won't see that fee's impact on net returns. Paul This change actually caused my brother to notice how much he was paying in fees to EJ, thus the beginning of his move towards eit...

pkcrafter

Thanks for posting Kitces clear explanation of the rule and the slight-of-hand appearance of improvement. Active returns will look better because the embedded fees will no longer be embedded in the fund, but collected separately. The better performance is an odd consequence of this so-called fiducia...

pkcrafter

I don't know if this is helpful or not, but it will bump up your questions.

http://www.ise.ie/market-data-announcem ... report.pdf

Paul

pkcrafter

An amazingly similar story to my own. I asked Vanguard to merge two Roth IRA accounts. When I checked online, the "from" account was gone, as I expected it to be, but when I checked to "to" account, the assets hadn't been transferred to it. I gave it 2-3 days and checked again - no change. I checke...

pkcrafter

Question : Are the costs of the newsletters accounted for in the returns? Do you know what the newsletters do cost? The cost of the newsletter is not included in the returns. I am not a subscriber, so I don't have a first hand account. My understanding is the cost is about $100 per year. On a $100,...

pkcrafter

Thanks for the link, good article, but could have done without the plug for factor investing. Just to be clear, I do have great respect for Marks and Swedroe. He (Marks) then added: “Does that mean passive investing, index funds and ETFs are a no-lose proposition? Certainly not: While passive invest...

pkcrafter

Thanks Brad, your monthly reports are a nice contribution to the Bogleheads. The data is very interesting because it shows the market unwinding from the tech crash since 2000 (S&P500), much of it due to the collapse of a lot of tech stocks, but also investor behavior as they abandoned the 500 and we...

pkcrafter

Folks, Someone else is discussing portfolio construction for a very safe withdrawal. But, does that make any sense if your withdrawal rate is 2% or lower? Won't simple 60/40 portfolio works? There must be a gap in my thinking. For example, if the social security cover 50% of a person's retirement e...

pkcrafter

Isn't the whole concept of a "side portfolio", like "buckets", just a way of fooling yourself into taking a lower SWR (because you're not recognizing a portion of your total portfolio value)? It may be. I have never understood the bucket strategy, but I know that many people do use it because it he...

pkcrafter

Gilgamesh, it sounds like you have taken the time and done the research to end up with a very resilient strategy. I remember when I retired, I said it felt like walking a tightrope with no net below. However, the feeling did not last long, and confidence grew. Longinvest also has a good, flexible pl...

pkcrafter

What's going on here? LPMs have a 20% failure rate The problem with LMP is that it underestimates the costs substantially. It does this by constructing unrealistic scenarios and not actually matching liabilities. https://medium.com/@justusjp/liability-matching-portfolios-have-a-20-failure-rate-27b73...

pkcrafter

All these great and rational reasons, and yet investors still try to predict the future.

When it comes to rational behavior, investors are often off the rails.

Paul

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