Search found 12197 matches

by pkcrafter
Thu Jan 18, 2018 10:47 pm
Forum: Investing - Help with Personal Investments
Topic: Confused with what to do with money-Looking for guidance
Replies: 4
Views: 360

Re: Confused with what to do with money-Looking for guidance

Welcome, First thing you need to do is ramp up on the learning curve. Here is a link to Getting Started-- https://www.bogleheads.org/wiki/Bogleheads%C2%AE_personal_finance_planning_start-up_kit This will also help https://gallery.mailchimp.com/34a7cea33f33e45eedceea223/files/212585d4-0b93-42c6-aeda-...
by pkcrafter
Thu Jan 18, 2018 10:15 pm
Forum: Investing - Help with Personal Investments
Topic: Need a plan for Roth IRA after switch
Replies: 2
Views: 158

Re: Need a plan for Roth IRA after switch

Welcome to the forum Hello! I am currently with a financial advisor that I signed on with through my parents in my early 20s. Over the past year, I've learned a bit more about investing and the expense to invest. After getting information on what I am currently paying to maintain and purchase the fu...
by pkcrafter
Thu Jan 18, 2018 8:57 pm
Forum: Investing - Theory, News & General
Topic: Is there a reason I can't do a single-transaction rebalance in my IRAs?
Replies: 9
Views: 856

Re: Is there a reason I can't do a single-transaction rebalance in my IRAs?

Oreamnos, your rebalancing sounds complicated. What is your AA, how many funds total, how often are you rebalancing? Not complicated at all; just your basic 3 fund kinda thing. Doing separate transactions for the rebalance isn't hard, it just requires doing a touch of easy math. But the way it's im...
by pkcrafter
Thu Jan 18, 2018 7:58 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie wanting to INVEST!
Replies: 25
Views: 1545

Re: Newbie wanting to INVEST!

Take a look at the options in your tax deferred options at work. Look for a target date fund, something with 2040 - 2050 in the name. If the expenses are less than 0.2%, that is a very good option. If the expenses are 0.5% or less, than it is still an okay option. A target date fund is the easiest ...
by pkcrafter
Thu Jan 18, 2018 7:08 pm
Forum: Investing - Theory, News & General
Topic: Is there a reason I can't do a single-transaction rebalance in my IRAs?
Replies: 9
Views: 856

Re: Is there a reason I can't do a single-transaction rebalance in my IRAs?

Oreamnos, your rebalancing sounds complicated. What is your AA, how many funds total, how often are you rebalancing?


Paul
by pkcrafter
Thu Jan 18, 2018 3:25 pm
Forum: Investing - Theory, News & General
Topic: $399 - New Course - Fire your Financial Advisor - By WhiteCoat Investor - Anyone?
Replies: 121
Views: 6452

Re: $399 - New Course - Fire your Financial Advisor - By WhiteCoat Investor - Anyone?

p.s. A shout out to the owners of this forum. When I read someone making money of others for personal finance advice I am MORE amazed the folks on this site have stuck to their ethics and don't charge and don't take advertisement money either. Much respect. Many roads to Dublin. I love the Boglehea...
by pkcrafter
Thu Jan 18, 2018 12:43 pm
Forum: Investing - Theory, News & General
Topic: $399 - New Course - Fire your Financial Advisor - By WhiteCoat Investor - Anyone?
Replies: 121
Views: 6452

Re: $399 - New Course - Fire your Financial Advisor - By WhiteCoat Investor - Anyone?

White Coat Investor's class is specifically aimed at doctors with very high incomes. They do require selective help in money management.

Paul
by pkcrafter
Wed Jan 17, 2018 11:27 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice for New Investor
Replies: 1
Views: 108

Re: Portfolio Advice for New Investor

Welcome to the forum. Perhaps you have not yet received feedback because there isn't much wrong here. :sharebeer You've got a great 401k and you're using Vanguard. The only comment I might have is to think of all accounts as one portfolio. That can avoid unnecessary duplication. You might consider h...
by pkcrafter
Tue Jan 16, 2018 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: ThomasPartners Dividend Growth Question.
Replies: 14
Views: 1481

Re: ThomasPartners Dividend Growth Question.

I assumed Thomas Partners was a mutual fund, but can't find a ticker. Maybe it just a stock account. The following is interesting, and makes me wonder exactly what the total fees really are. Note too that returns are listed back to 2003, but Schwab did not partner up with Thomas until 2013. Addition...
by pkcrafter
Tue Jan 16, 2018 11:28 am
Forum: Investing - Theory, News & General
Topic: Investment Grade (barely)
Replies: 9
Views: 1067

Re: Investment Grade (barely)

This is exactly why Im 100% stocks and unapologetic about it. There is nothing new about this. It is in the inherent nature of profit seeking to reach unduly for yield. When the only thing holding one back from reaching for yield is a risk analysis and self discipline, I think it inevitable for suc...
by pkcrafter
Tue Jan 16, 2018 10:12 am
Forum: Investing - Theory, News & General
Topic: AA is much harder than I thought...
Replies: 32
Views: 3786

Re: AA is much harder than I thought...

rudeboy: Everything I have learned tells me that I should be buying bonds right now -- the 'trendiness' of 100% stocks (and their meteoric rise), the bleak projections for bonds, etc.. but yet, yesterday I logged into my 401k and bought 3k more of the Total Stock Index, bringing my allocation to 97/...
by pkcrafter
Sun Jan 14, 2018 10:26 pm
Forum: Investing - Theory, News & General
Topic: Know your Broker
Replies: 1
Views: 488

Re: Know your Broker

Good recommendation. Also check Form ADV-II

Paul
by pkcrafter
Sun Jan 14, 2018 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: Roll SGENX to Thrift Savings
Replies: 15
Views: 620

Re: Roll SGENX to Thrift Savings

If you are actually holding the fund at First Eagle, then you are probably paying a management fee also.

Paul
by pkcrafter
Sun Jan 14, 2018 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: Roll SGENX to Thrift Savings
Replies: 15
Views: 620

Re: Roll SGENX to Thrift Savings

Thank you for your replies and clarifying for me that the TSP is not an IRA. I have gotten into this so late in life but am trying to learn and play catch up. I have the SGENX fund through First Eagle. Would that be the custodian? I am not yet maxing out my TSP so any additional contributions I can...
by pkcrafter
Sun Jan 14, 2018 10:50 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Revised
Replies: 15
Views: 982

Re: Asset Allocation Revised

I don't understand what is going on here. If you don't like equities / stocks, then don't buy them. The question should be: Will your money last as long as needed if it just stays in cash and/or high quality Treasuries? If the answer is Yes, then there is your answer. Livesoft has provided the righ...
by pkcrafter
Sat Jan 13, 2018 12:35 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for advice for new 401k fund choices
Replies: 3
Views: 248

Re: Looking for advice for new 401k fund choices

Total stock market is probably your best choice for equity. Holding the S&P500 index and extended market only makes sense if you wanted to overweight mid caps. For bonds, you don't have any clear best choices. Baird is a reasonable choice although it's overall rating is BBB. It lost 2% in 2008 where...
by pkcrafter
Sat Jan 13, 2018 11:43 am
Forum: Investing - Help with Personal Investments
Topic: Capital Preservation after an 8 year bull market
Replies: 17
Views: 1940

Re: Capital Preservation after an 8 year bull market

Welcome, Sorry for taking a hard line here, but you have been very lucky. You have 500k, but not 500k in retirement assets As mentioned, money needed is 5 years should not be counted in with retirement assets, and should not be in the stock market. You need to correct this now. Money for the house a...
by pkcrafter
Fri Jan 12, 2018 5:44 pm
Forum: Investing - Theory, News & General
Topic: 4% Withdrawal vs Yield as Income
Replies: 41
Views: 2141

Re: 4% Withdrawal vs Yield as Income

Taking Dividends vs reinvesting dividends http://i55.tinypic.com/2ry1szo.jpg In addition to the obvious, if you take dividends you lose control of when to make withdrawals. You would not want to take dividends when the market is down. You would want to reinvest them and buy at the lower price. Paul
by pkcrafter
Fri Jan 12, 2018 10:51 am
Forum: Investing - Help with Personal Investments
Topic: Musician Asking for Advice
Replies: 8
Views: 1019

Re: Musician Asking for Advice

Welcome to the forum. Hi guys, I'm a freelance musician and a year removed from graduating with my doctorate in music education. I've been working on building my performance and education resume by doing gigs and adjunct teaching. My current income(40-50k) is solid for my low day to day overhead but...
by pkcrafter
Thu Jan 11, 2018 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: 401K high fees, no match - don't use it? Backdoor Roth instead...
Replies: 24
Views: 1059

Re: 401K high fees, no match - don't use it? Backdoor Roth instead...

Most 401k have significant fees, One percent is not unusual, if that's all there is! Are there any low cost funds in the 401k? Are you able to transfer funds out of the 401k while employed? High cost of 401k plans https://www.kiplinger.com/article/saving/T001-C000-S002-the-high-cost-of-401-k-fees-ho...
by pkcrafter
Thu Jan 11, 2018 7:35 pm
Forum: Investing - Help with Personal Investments
Topic: Help me stop my addiction to stock market peeping!
Replies: 66
Views: 4415

Re: Help me stop my addiction to stock market peeping!

Help me stop my addiction to stock market peeping!
You'll poke your eye out! :shock:
by pkcrafter
Thu Jan 11, 2018 12:14 pm
Forum: Investing - Theory, News & General
Topic: Running Maximum Withdrawal Percentage: Any data on this?
Replies: 26
Views: 1534

Re: Running Maximum Withdrawal Percentage: Any data on this?

As far as I can tell what you are asking for is exactly that 4% we are talking about. No, not quite dbr. The posters AlohaJoe, bigred77, livesoft all pointed me in the direction I was (am) exploring. I am looking for the max withdrawal percentage on a rolling basis for the last century or so. I gue...
by pkcrafter
Thu Jan 11, 2018 11:59 am
Forum: Investing - Theory, News & General
Topic: How do you time the market when you have to?
Replies: 14
Views: 935

Re: How do you time the market when you have to?

I know timing the market is frowned upon in general, but there are times it's necessary- like when moving money around. I just pulled the trigger yesterday on a 401k rollover (had to be liquidated). This 401k was about half full of mid and small caps, which, of course, are up pretty good today. So,...
by pkcrafter
Thu Jan 11, 2018 11:47 am
Forum: Investing - Theory, News & General
Topic: If I have a million with Edward Jones, in 10 years, how much money has my FA made off me?
Replies: 48
Views: 6277

Re: If I have a million with Edward Jones, in 10 years, how much money has my FA made off me?

Meg77 EJ doesn't charge AUM fees EJ is moving all customers to Guided Solutions. Here is the fee schedule: Value of Assets in Account, Annual Fee Rate First$250,000 1.35% Next$250,000 1.30% Next $500,000 1.25% Next $1,500,000 1.00% Notice that if a client has 1M, the fee is not 1.25. The client stil...
by pkcrafter
Wed Jan 10, 2018 8:32 pm
Forum: Investing - Help with Personal Investments
Topic: Brazilian Boglehead needs help with Ireland Domiciled ETFs
Replies: 9
Views: 381

Re: Brazilian Boglehead needs help

Wecome, We do have some members who are familiar with ETF's domiciled in Ireland, but it might help if you edited your title to include those words to alert them. Something like "Help with ETFs domiciled in Ireland" Go to your original post and up in the right corner is an image of a pencil. Click o...
by pkcrafter
Wed Jan 10, 2018 8:04 pm
Forum: Investing - Help with Personal Investments
Topic: Sequence of Return Risk impact on Retirement
Replies: 103
Views: 4162

Re: Sequence of Return Risk impact on Retirement

If, at age 62 with retirement pending and the retiree needing all of 4% for normal household operations, then I would think something like a 40/60 AA might provide a better chance of keeping the wheels from falling off in the event of an early crash. The problem would be worse right after retirement...
by pkcrafter
Wed Jan 10, 2018 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: First trust rising dividend achievers etf-RDVY
Replies: 3
Views: 188

Re: First trust rising dividend achievers etf-RDVY

Is this account for college funding or just a general account? If college, you should be using a 529 plan.

I didn't see a load on the fund, but I wouldn't be surprised if MS charged you a fee to get it. It is a 100% stock fund with more volatility than total market.

Paul
by pkcrafter
Wed Jan 10, 2018 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: 401k withdrawl question for a friend...
Replies: 8
Views: 555

Re: 401k withdrawl question for a friend...

No emergency fund? I agree, taking money from a 401k for this reason is not a good strategy.

Paul
by pkcrafter
Wed Jan 10, 2018 1:37 pm
Forum: Investing - Help with Personal Investments
Topic: Help with unique situation [stayed out of market since 2008]
Replies: 34
Views: 3821

Re: Help with unique situation [stayed out of market since 2008]

stocknoob, it's clear that you were really spooked even before 2008 and you didn't invest in your 401k between 2007 and 2012? While I agree that experience can help with emotional control, I don't think you are a candidate for a 100% stock portfolio. Just because there has not been a trigger for awh...
by pkcrafter
Wed Jan 10, 2018 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: Help -- Confusion about difference between fund performance/cost-basis gains-losses
Replies: 5
Views: 236

Re: Help -- Confusion about difference between fund performance/cost-basis gains-losses

Here is the performance of your bond fund. Use the sliders at the bottom of the chart to select the time frame you want to look at. Check the date in the upper left corner of the chart to target your desired date. That date change as you move the slider or by scrolling along the performance line. ht...
by pkcrafter
Wed Jan 10, 2018 11:59 am
Forum: Investing - Help with Personal Investments
Topic: Advice needed on my portfoilo
Replies: 22
Views: 1612

Re: Advice needed on my portfoilo

t88, I was going to comment on your asset allocation too, but retiredjg has now covered it, so I'll just add a bit more explanation. When choosing an asset allocation (AA), you need to assess need to take risk, ability, and willingness. In your situation, you do have a lot of need, but you don't hav...
by pkcrafter
Tue Jan 09, 2018 10:18 pm
Forum: Investing - Help with Personal Investments
Topic: A newb question about using Fin planner
Replies: 43
Views: 1546

Re: A newb question about using Fin planner

Fidelity has comparable funds to Vanguard with equal low cost. In an earlier post, I suggested a Fidelity target retirement index fund to begin. Link is in earlier post. This gives you several funds in one and rebalancing is automatic. These funds are great when just starting out because when you go...
by pkcrafter
Tue Jan 09, 2018 3:45 pm
Forum: Investing - Help with Personal Investments
Topic: A newb question about using Fin planner
Replies: 43
Views: 1546

Re: A newb question about using Fin planner

:sharebeer I am doing something about being illiterate, but may be slow at it. :sharebeer Slow is good! I am searching for risk, searching for the guy that may trade my money 3 times in a quarter to reap benefits as the market moves and shifts. Am I a complete idiot for this? Uh, YES! Paul Care to e...
by pkcrafter
Tue Jan 09, 2018 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: A newb question about using Fin planner
Replies: 43
Views: 1546

Re: A newb question about using Fin planner

I am doing something about being illiterate, but may be slow at it. :sharebeer

Slow is good!
I am searching for risk, searching for the guy that may trade my money 3 times in a quarter to reap benefits as the market moves and shifts. Am I a complete idiot for this?
Uh, YES!

Paul
by pkcrafter
Tue Jan 09, 2018 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: A newb question about using Fin planner
Replies: 43
Views: 1546

Re: A newb question about using Fin planner

Hoggrad: But being absolutely info illiterate on this stuff, my concern is my little bit of protection. Your first concern should be that you are absolutely illiterate on investing, and you should do something about it. A lifetime of bad investing habits will cost you tens of thousands of dollars. T...
by pkcrafter
Mon Jan 08, 2018 11:12 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard/Newport wants $6,500+ in fees for 403(b)
Replies: 11
Views: 1044

Re: Vanguard/Newport wants $6,500+ in fees for 403(b)

How do you convert to an ERISA plan? Oh, I see that if you have at least one employee the plan can qualify.

Have you looked at all the other small business plans at Vanguard?

Have you checked with Fidelity?


Paul
by pkcrafter
Mon Jan 08, 2018 10:01 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard/Newport wants $6,500+ in fees for 403(b)
Replies: 11
Views: 1044

Re: Vanguard/Newport wants $6,500+ in fees for 403(b)

FM, I don't know if I can provide any answers because I only have a few questions. From Vanguard: 403(b) plans are generally offered by public education institutions and certain tax-exempt organizations. Is your business education or a tax-exempt organization? I ask because these may be exempt from ...
by pkcrafter
Mon Jan 08, 2018 7:01 pm
Forum: Investing - Theory, News & General
Topic: Surefire best investment advice for 2018
Replies: 3
Views: 693

Re: Surefire best investment advice for 2018

Good article as usual from Ben Carlson. Thanks for the link.

Paul
by pkcrafter
Mon Jan 08, 2018 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking Getting Started Investment Advice
Replies: 5
Views: 348

Re: Seeking Getting Started Investment Advice

An IRA or Roth IRA will get you $5,500/year into tax-advantaged accounts, but you will also need to use taxable accounts, so here's some additional information that will help. You need an emergency fund if you don't yet have one, and you will have one retirement portfolio which includes both taxable...
by pkcrafter
Sun Jan 07, 2018 7:19 pm
Forum: Investing - Help with Personal Investments
Topic: Changing from Ameriprise to an index fund approach
Replies: 6
Views: 427

Re: Changing from Ameriprise to an index fund approach

Wecome, Ray, First post, need advice.. Married and we are both 52 years old. Been savers all of our lives. We have no debt including our house. We are very interested in index funds and would like to have a broad approach to the market. It just makes sense to me and it sounds a lot less stressful. O...
by pkcrafter
Sun Jan 07, 2018 3:19 pm
Forum: Investing - Help with Personal Investments
Topic: Anybody recommend a good equity fund?
Replies: 22
Views: 1373

Re: Anybody recommend a good equity fund?

You are not going about this correctly, but to answer your question, yes, I would recommend equity income. Paul What do you mean/ recommend exactly? You asked for a mutual fund recommendation and then mentioned Vanguard Equity Income. My reply was yes, that is a good fund -- when you have the 3k. F...
by pkcrafter
Sat Jan 06, 2018 10:46 pm
Forum: Investing - Help with Personal Investments
Topic: Anybody recommend a good equity fund?
Replies: 22
Views: 1373

Re: Anybody recommend a good equity fund?

You are not going about this correctly, but to answer your question, yes, I would recommend equity income.

Paul
by pkcrafter
Fri Jan 05, 2018 7:08 pm
Forum: Investing - Help with Personal Investments
Topic: UGH: New 401k Average Expense Ratio Increased 252%
Replies: 9
Views: 852

Re: UGH: New 401k Average Expense Ratio Increased 252%

long story short, my company merged with another last year and they're unifying benefits. 401k info finally came out and we're switching providers from fidelity to transamerica (ugh #1). the worst part is that when i looked at the options, the average expense ratio for the available fund options we...
by pkcrafter
Thu Jan 04, 2018 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: What Should My Investment Strategy Be?
Replies: 7
Views: 588

Re: What Should My Investment Strategy Be?

Yes, good advice from posters above. An 80/20 AA would normally be in the max range for someone your age, but retiredjg's suggestion of 60/40 is probably a better choice right now because of your concerns. It's more importing to set, commit, and hold, than to get too aggressive and fold. If you post...
by pkcrafter
Thu Jan 04, 2018 11:23 am
Forum: Investing - Help with Personal Investments
Topic: Edward Jones - help
Replies: 38
Views: 3222

Re: Edward Jones - help

Can you take the time to post your specific holdings in this format? https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 What funds do you hold at EJ? What type of account ? Etc If you get a several 1000 company match, it is unlikely you are paying more than that in fees, making it worth keep...
by pkcrafter
Wed Jan 03, 2018 3:11 pm
Forum: Investing - Help with Personal Investments
Topic: Brand New Investor; Thoughts on 401k allocations.
Replies: 7
Views: 585

Re: Brand New Investor; Thoughts on 401k allocations.

pkcrafter, According to my the plan info, it does contain merging markets. Here is the relevant excerpt from the overview: "This investment option invests in over 6,000 stocks in approximately 22 developed countries excluding the United States and 23 emerging market countries." That's somewhat vagu...
by pkcrafter
Wed Jan 03, 2018 11:18 am
Forum: Investing - Help with Personal Investments
Topic: Standard Deviation
Replies: 11
Views: 776

Re: Standard Deviation

Another annoying thing about MarketWatch is there is no information or reference on how they calculate SD. :confused

They show SD of 2.87 for VFINX as well.

Google shows a 1 year SD of 3.90 for VFIAX.


Paul
by pkcrafter
Wed Jan 03, 2018 9:49 am
Forum: Investing - Theory, News & General
Topic: How best to transition from VBTLX to ST bond or MM as target date approaches?
Replies: 3
Views: 301

Re: How best to transition from VBTLX to ST bond or MM as target date approaches?

Sorry if this question has already been asked. A quick google didn't reveal any obvious answers. Let's say you're investing with a target date in mind of say 8 years down the road. So you put the bond portion into a bond fund of appropriate duration (VBTLX or some such). All nice and good so far. B...
by pkcrafter
Tue Jan 02, 2018 4:31 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to launch US 'smart beta' ETFs - Will this board burn down?
Replies: 155
Views: 16645

Re: Vanguard To Introduce First Actively Managed ETFs With Suite Of Factor Funds

Now, we'll all be able to outperform! This post is pretty much on target. Of course it can't be true as mindboggling knows. The thing is everyone should know it. I've been a Boglehead since running into Taylor Larimore and Mel Lindauer on the old M* Diehards forum 20 years ago. To me this factor st...