Search found 11387 matches

by pkcrafter
Fri May 26, 2017 8:22 pm
Forum: Investing - Theory, News & General
Topic: Boglehead Portfolio vs. All Other Possible Investments
Replies: 45
Views: 2310

Re: Boglehead Portfolio vs. All Other Possible Investments

Simple question: Is a passive, low-cost, diversified index portfolio* really the best bet to achieve the highest possible risk-adjusted, long-term returns anywhere? How do you know this? * total stock, total bond, total int'l (optional: small-cap value, REITs and TIPS) You can beat 80% of all inves...
by pkcrafter
Fri May 26, 2017 8:07 pm
Forum: Investing - Theory, News & General
Topic: Depletion calculator? Chance of losing X% from withdrawing $Y annually?
Replies: 6
Views: 496

Re: Depletion calculator? Chance of losing X% from withdrawing $Y annually?

I know there's tons posted about SWRs, but I was wondering about shorter timeframes and not depleting to $0. For example, if I have $100,000 with 75% stocks and withdrawal $5,000 annually what's the chance it'll be under $80,000 in 5 years, 10 years, 15 years. Does anyone know of anything out there...
by pkcrafter
Fri May 26, 2017 11:14 am
Forum: Investing - Help with Personal Investments
Topic: 4 Years to Retirement. Want to get out of Fidelity PAS. Need Advice
Replies: 40
Views: 1931

Re: 4 Years to Retirement. Want to get out of Fidelity PAS. Need Advice

The decision to use PAS or not is not based on short term returns, it's based on total costs of 1.9%. The returns you've listed do include the expense ratios, but they don't include the 1% advisory fee. If you need an advisor, then pay the 1% fee, but don't pay for funds that have high ERs. An alter...
by pkcrafter
Fri May 26, 2017 10:16 am
Forum: Investing - Help with Personal Investments
Topic: Help me invest long term please
Replies: 8
Views: 604

Re: Help me invest long term please

You are about 20% in stock, which are in a taxable account, is that correct? Wife has 10% in an IRA and you have 2 401ks and two Roths but you are not sure what they hold? Your current asset allocation is not 0 stocks, so are you uncomfortable holding any stock, and you want to go to zero? For most ...
by pkcrafter
Thu May 25, 2017 11:44 pm
Forum: Investing - Help with Personal Investments
Topic: Help me invest long term please
Replies: 8
Views: 604

Re: Help me invest long term please

Welcome to the forum.

This doesn't seem to make sense -
Desired Asset allocation: 0% stocks / 100% bonds but can go with suggested allocation


You really don't want any stock? Then you say you want to invest long term. You need to clarify what you would like to do.

Paul
by pkcrafter
Thu May 25, 2017 7:17 pm
Forum: Investing - Help with Personal Investments
Topic: Sell high??
Replies: 8
Views: 987

Re: Sell high??

hacksaw: so I'm struggling as to whether I should sell some now when the market is up....or just ride it out. Money market fund? and then buy stocks when the market is down?? or put it into the bond funds? Ok, you are now 80/20 and that would be considered very aggressive when approaching retirement...
by pkcrafter
Wed May 24, 2017 9:50 pm
Forum: Personal Consumer Issues
Topic: Should I drink or sell my Pappy 12 year?
Replies: 52
Views: 4996

Re: Should I drink or sell my Pappy 12 year?

Just keep it for 3 more years. :sharebeer

Paul
by pkcrafter
Wed May 24, 2017 1:48 pm
Forum: Investing - Theory, News & General
Topic: Anyone else track the value of their investments by discounting the value of equities?
Replies: 64
Views: 3575

Re: Anyone else track the value of their investments by discounting the value of equities?

Why 40%? Why not 80%? Probably because the odds of that happening are too remote to worry about. And if it did happen to a global diversified portfolio of equities; well, it's probably gonna be game over no matter what you're holding. The OP has repeatedly stated he doesn't believe in international...
by pkcrafter
Tue May 23, 2017 5:52 pm
Forum: Investing - Theory, News & General
Topic: "The Problem With Factor Investing Research"
Replies: 58
Views: 2501

Re: "The Problem With Factor Investing Research"

Taylor, all I can say is thank you for posting this article. Good info and it has triggered a good discussion. I have a feeling you will continue to simply advocate the Boglehead way. :sharebeer

Paul
by pkcrafter
Tue May 23, 2017 5:36 pm
Forum: Investing - Theory, News & General
Topic: Question on Shiller CAPE predictions
Replies: 66
Views: 2223

Re: Question on Schiller CAPE predictions

Thought about this a bit more over the past hour, and here's a question for you all: If you received an unexpected gift of $100,000 tomorrow morning and wanted to invest it, would you invest it based on your current allocation, or perhaps put it in a more conservative investment (e.g., bonds) until...
by pkcrafter
Tue May 23, 2017 11:35 am
Forum: Investing - Help with Personal Investments
Topic: To me this is the most significant investment lesson ever
Replies: 16
Views: 2801

Re: To me this is the most significant investment lesson ever

alohajoe, the averages were given in the last line of the chart, 50.7 % equity, 28.7% bond and 17.6% alternatives. You are right about the alternatives. The alternatives are real estate, hedge funds, commodities, and private equity, in other words, stock assets. Also notice that those portfolios wit...
by pkcrafter
Tue May 23, 2017 10:51 am
Forum: Investing - Help with Personal Investments
Topic: Help Figuring Out Asset Allocation
Replies: 7
Views: 546

Re: Help Figuring Out Asset Allocation

Welcome Gustopher65, I think you may be the most informed young investor to ever post on this forum. Lesson #1, Life has a funny way of going booga-booga to young people's carefully laid out plans. :happy Here is my savings goal: -- Monthly contribution of approximately 10% gross to retirement, 5% t...
by pkcrafter
Tue May 23, 2017 8:53 am
Forum: Investing - Help with Personal Investments
Topic: I admit, I give up [need strategy for getting back in]
Replies: 30
Views: 4243

Re: I admit, I give up [need strategy for getting back in]

Bogleuser, we really need a little more information. Please edit your first post and follow this suggested format. Are you self employed, or perhaps MDs? Do you and spouse? have access to employer plans? https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 You appear to be strongly risk ave...
by pkcrafter
Mon May 22, 2017 9:27 pm
Forum: Investing - Help with Personal Investments
Topic: Feedback for portfolio rebalancing
Replies: 1
Views: 199

Re: Feedback for portfolio rebalancing

I need some feedback to make sure I’m rebalancing correctly. I have 6% of our total portfolio in a 2025 fund Trust Select Fund. Expense ratio is 0.05% (This is in our 401k plan) It’s breakdown is as follows Vanguard Total Stock Mkt Idx Instl Pls 38.67% Vanguard Total Intl Stock Idx InstlPls 25.99% ...
by pkcrafter
Mon May 22, 2017 7:46 pm
Forum: Investing - Help with Personal Investments
Topic: More assistance & help with 73 Father In Law - planning
Replies: 11
Views: 854

Re: More assistance & help with 73 Father In Law - planning

I'll bump this up, but only have a few comments for now.

We got him to balance at $4500K

I think you meant $4500.

I would not recommend small caps for dad's portfolio.

Paul
by pkcrafter
Mon May 22, 2017 6:57 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA with Vanguard Now what
Replies: 12
Views: 1093

Re: Roth IRA with Vanguard Now what

Welcome to the forum, I've had an IRA for about a year I put money in it here and there. But this year I want to at least max it out and start investing. I just don't know what to invest in there are so many things to learn. Yes, there are some things to learn, but the basics are not overwhelming. ...
by pkcrafter
Mon May 22, 2017 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: Is Schwab Intelligent Portfolio OK for taxable accounts???
Replies: 33
Views: 2177

Re: Is Schwab Intelligent Portfolio OK for taxable accounts???

David, you didn't actually say what type of accounts those funds are in, IRA, taxable or both? Retiredjg's comment is relevant. I don't think the stock funds (too many) or bond funds (very tax In-efficient) are suitable for a taxable account. How often are they rebalancing the equity funds?

Paul
by pkcrafter
Mon May 22, 2017 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: FAN [First Trust Global Wind Energy ETF]
Replies: 17
Views: 674

Re: FAN [First Trust Global Wind Energy ETF]

bugsy, why would you not pick this instead of that? PacifiCorp PacifiCorp, a Warren Buffett-owned utility with customers from California to Wyoming, said Tuesday it would spend $3.5 billion bringing hundreds of new wind turbines online over the next three years, http://www.desertsun.com/story/tech/s...
by pkcrafter
Sun May 21, 2017 10:44 pm
Forum: Investing - Help with Personal Investments
Topic: Does anyone know [choosing a Vanguard bond ETF]
Replies: 11
Views: 932

Re: Does anyone know [choosing a Vanguard bond ETF]

Vanguard's total int. bond fund is fairly long intermediate term, with a duration of 7.8.

Bond fund, Admiral - VTABX
EFT - BNDX


Paul
by pkcrafter
Sun May 21, 2017 10:19 pm
Forum: Investing - Help with Personal Investments
Topic: Investing Emergency Fund
Replies: 33
Views: 3462

Re: Investing Emergency Fund

Frugalnotbroke wrote: Excuse me if this seems stupid but is it more or less difficult to get money out of certain funds. What i mean is as far as any emergencies go I have a high limit credit card that I use and pay monthly and if I had any kind of emergency i could easily put a 30k charge on it and...
by pkcrafter
Sun May 21, 2017 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: The Novice [need books/resources for learning]
Replies: 8
Views: 487

Re: The Novice [need books/resources for learning]

Welcome,

Here's some information to get you started.

Here's how to post information for review

viewtopic.php?f=1&t=6212

Getting Started (from our Wiki)

https://www.bogleheads.org/wiki/Getting_started

Paul
by pkcrafter
Sun May 21, 2017 2:38 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones vs Vanguard self managed
Replies: 29
Views: 1917

Re: Edward Jones vs Vanguard self managed

SmmSmm, did the advisor mention Guided Solutions, or are you already in that? The fee is 1.35%, so it's not clear how you got up to 1.44%. The new fiduciary rules are for advisors, not individual investors, so you would not be restricted at Vanguard or anywhere else.

Paul
by pkcrafter
Sun May 21, 2017 9:25 am
Forum: Investing - Help with Personal Investments
Topic: Investing Emergency Fund
Replies: 33
Views: 3462

Re: Investing Emergency Fund

The 7Twelve Portfolio http://www.7twelveportfolio.com/ Frugalnotbroke: I currently have 30K in a money market account, I also keep 5K in savings. Im curious if anyone has researched the 7twelve portfolio. I'm thinking of investing my emergency fund in the portfolio. I understand the risk but also th...
by pkcrafter
Sun May 21, 2017 8:55 am
Forum: Investing - Help with Personal Investments
Topic: Consolidating vendors
Replies: 8
Views: 411

Re: Consolidating vendors

I have a 8-10 accounts (mix of ira, Roth, taxable,401k) with about half at Fido and half at VG. Almost all the $ are in VG funds/etf Nearing retirement and Looking to simplify and make it easier for analysis, cash management, reporting. I find fidelity web tools and service to be superior, plus I g...
by pkcrafter
Sat May 20, 2017 8:46 am
Forum: Investing - Theory, News & General
Topic: "Why Value Stocks Have Disappointed"
Replies: 39
Views: 4559

Re: "Why Value Stocks Have Disappointed"

I didn't read the article, but the first thing that comes to mind is Mr. Bogle's telltale chart. Growth and value have taken turns outperforming, and then they revert to the mean. Growth has been the recent leader. I noticed a lot of investors have been favoring growth over the past one or two year...
by pkcrafter
Fri May 19, 2017 11:53 pm
Forum: Investing - Help with Personal Investments
Topic: I'm having a freak-out moment (portfolio question)
Replies: 24
Views: 2362

Re: I'm having a freak-out moment (portfolio question)

macandal wrote: I didn't know what else to call this. Let me explain why I set this up. I live in San Francisco. Houses are very expensive here. The median price of a home here (~2BD/1BA, $700,000) would buy you a mansion somewhere else. That said, I want to live here. This is where I went to school...
by pkcrafter
Fri May 19, 2017 6:52 pm
Forum: Investing - Theory, News & General
Topic: "Why Value Stocks Have Disappointed"
Replies: 39
Views: 4559

Re: "Why Value Stocks Have Disappointed"

I didn't read the article, but the first thing that comes to mind is Mr. Bogle's telltale chart. Growth and value have taken turns outperforming, and then they revert to the mean. Growth has been the recent leader. I noticed a lot of investors have been favoring growth over the past one or two years...
by pkcrafter
Fri May 19, 2017 9:48 am
Forum: Investing - Help with Personal Investments
Topic: Help with investing
Replies: 6
Views: 303

Re: Help with investing

I have about 50k in Santander MMA which i do not intend to use in next 5 years

The needed information is, when do you need the 50k? Certainly you don't want money you need in 5 years in the market. Beyond that depends on time to needing the money.

Paul
by pkcrafter
Wed May 17, 2017 6:29 pm
Forum: Investing - Help with Personal Investments
Topic: Convince me to get back into stocks!
Replies: 83
Views: 5564

Re: Convince me to get back into stocks!

All these suggestions and I don't think we even know what your target asset allocation will be when you get back in. So, when you move into equities how much of your cash assets will go to equities and how much to other things like bonds? You made a mistake in 2014 when you transferred funds to anot...
by pkcrafter
Tue May 16, 2017 10:23 am
Forum: Investing - Help with Personal Investments
Topic: Helping a friend in choosing CFPs
Replies: 4
Views: 472

Re: Helping a friend in choosing CFPs

Here's a video by Rick Van Ness. https://www.bogleheads.org/wiki/Video:Bogleheads%C2%AE_investment_philosophy Schwab is now offering a robo service with 24/7 access to an advisor. Might work for your friend as long as they are using low cost index funds. http://www.investmentnews.com/article/2016121...
by pkcrafter
Tue May 16, 2017 8:59 am
Forum: Investing - Help with Personal Investments
Topic: AA revisited and Fund Placement?
Replies: 3
Views: 349

Re: AA revisited and Fund Placement?

I recently posted concerning my AA and how I was having difficulty sticking to it. I believe this occurs due to too many funds over our various accounts. You do have far too many funds. These allocations with less than 5% aren't enough to make a difference and they just add complexity with no portf...
by pkcrafter
Mon May 15, 2017 10:39 pm
Forum: Investing - Theory, News & General
Topic: Determining Morningstar Performance and Fees to Compare Funds
Replies: 9
Views: 372

Re: Determining Morningstar Performance and Fees to Compare Funds

tharbors, as already noted, mutual fund performance is always listed with fees included, so the returns you see are the returns you get. The fund you listed, Washington Mutual, has a front end load of 5.75%, which is not accounted for in the returns nor the money invested. So, if you give American $...
by pkcrafter
Mon May 15, 2017 8:58 pm
Forum: Investing - Help with Personal Investments
Topic: Need some guidance
Replies: 14
Views: 830

Re: Need some guidance

1) shift the money from our IRA's to a 401k to be able to start a backdoor roth IRA. I (unfortunately) would have to move my money from Vanguard's solo 401k to a fidelity or other solo product as vanguard doesn't allow the roll in. My wife doesn't have a 401k option at this time, unfortunately, but...
by pkcrafter
Mon May 15, 2017 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: Need some guidance
Replies: 14
Views: 830

Re: Need some guidance

1) shift the money from our IRA's to a 401k to be able to start a backdoor roth IRA. I (unfortunately) would have to move my money from Vanguard's solo 401k to a fidelity or other solo product as vanguard doesn't allow the roll in. My wife doesn't have a 401k option at this time, unfortunately, but...
by pkcrafter
Mon May 15, 2017 7:47 pm
Forum: Investing - Help with Personal Investments
Topic: New Investor!!
Replies: 6
Views: 526

Re: New Investor!!

Welcome, you are off to a good start. Emergency funds: 10k in savings Debt: 95k Mortgage at 3.4% (650 per month) Tax Filing Status: Single Tax Rate: (I dont know, I make 30k per year) State of Residence: TN Age: 28 Desired Asset allocation: 80% stocks 20% bonds Desired International allocation: Unk...
by pkcrafter
Sun May 14, 2017 9:44 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard's safest all-equity fund
Replies: 59
Views: 4903

Re: Vanguard's safest all-equity fund

Joker, just so you don't get confused, I gave you the VDC loss in 2008, but that was not the low. In early 2009, the loss did fall to -32% as Nisi reported, but by the end of 2009 it had fully recovered.

Paul
by pkcrafter
Sun May 14, 2017 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Pre-retirement Advice Requested
Replies: 18
Views: 1558

Re: Pre-retirement Advice Requested

It might be worth the one time cost of getting a good review on the big picture. Here's a place to start looking for an advisor.

Garrett financial network

http://www.garrettplanningnetwork.com/about/faqs

Paul
by pkcrafter
Sun May 14, 2017 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard's safest all-equity fund
Replies: 59
Views: 4903

Re: Vanguard's safest all-equity fund

TheJoker wrote:Paul, the loss of VDC in 2008 was 10%. Please check me on this.

TheJoker


I didn't mention the VDC loss, but it looks like it was just about ~17% in 2008

https://personal.vanguard.com/us/funds/ ... INT#tab=1a

M* agrees with Vanguard.


Paul
by pkcrafter
Sun May 14, 2017 10:34 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard's safest all-equity fund
Replies: 59
Views: 4903

Re: Vanguard's safest all-equity fund

brak, considering this is taxable and the goal is heirs, but your parents are somewhat risk averse, I suggest Vanguard tax-managed balanced, VTMFX, which is 50/50. Loss in 2008 was 18%.

Paul
by pkcrafter
Sat May 13, 2017 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard's safest all-equity fund
Replies: 59
Views: 4903

Re: Vanguard's safest all-equity fund

Regarding consumer stapes and utilities--yes, lower drop in 2008, but Vanguard rates both funds risk level higher than total stock market--5 vs 4 for TSM. brak, I'm not sure what you would do with this information. The way to reduce risk is to add non-equity holdings. Looking at past performance is ...
by pkcrafter
Fri May 12, 2017 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: Trouble sticking to a plan
Replies: 19
Views: 1925

Re: Trouble sticking to a plan

Hello Everyone, I have had a hard time setting an AA and keeping it. It is critical that you overcome this. What is your AA now? I feel like I am timing the market a bit by putting new money into the settlement fund. If you are putting money into a settlement fund because you are worried about the ...
by pkcrafter
Thu May 11, 2017 6:36 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey's ELP's pay him to not understand investment fees
Replies: 24
Views: 2421

Re: Dave Ramsey's ELP's pay him to not understand investment fees

I watched the video the OP posted a link too. In it Dave says you can invest $500 per month (the average car payment) into the stock market and have $5 million in 30 years. That would be a return of over 16.5%. He said you don't want to invest in large cap companies because they are too boring. He ...
by pkcrafter
Thu May 11, 2017 10:45 am
Forum: Investing - Help with Personal Investments
Topic: Objectively critique an AXA recommended portfolio.
Replies: 16
Views: 778

Re: Objectively critique an AXA recommended portfolio.

BeBh wrote: Why are you preparing this? This is key. My question was going to be: who is this for, the agent or an interested friend? You've brought up some good points, but it this is for the agent, then I don't think you have an argument for the portfolio recommendation. He can counter with his &q...
by pkcrafter
Wed May 10, 2017 10:21 pm
Forum: Investing - Help with Personal Investments
Topic: VTIAX vs VIHAX [Vanguard Total Int'l vs. Int'l High Dividend Yield]
Replies: 16
Views: 930

Re: VTIAX vs VIHAX

Thanks for the responses guys. This brings me to 3 questions. When you say "tax advantaged space", what exactly do you mean? I'm a newbie here. Also, what exactly is tilting? Thirdly, do you know of a cheaper fund that still has very high return? I'm honestly just trying to maximize retur...
by pkcrafter
Wed May 10, 2017 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking advice for retirees (age 69, perhaps $3 MM) that are unhappy with their advisors
Replies: 34
Views: 2731

Re: Seeking advice for retirees (age 69, perhaps $3 MM) that are unhappy with their advisors

Perkunas, I'm not getting good vibes from what you have said. What are you going to recommend? Did they actually lose money or just didn't make what they thought they should? Oh, absolute returns. :confused This is a big part of the problem: Adsolute return investing. Absolute return investment tech...
by pkcrafter
Wed May 10, 2017 8:35 pm
Forum: Investing - Help with Personal Investments
Topic: Help appreciated, if you can be patient with a newbie
Replies: 12
Views: 1137

Re: Help appreciated, if you can be patient with a newbie

Welcome new and confused, Did this sales guy actually talk to you about fiduciary duty and then then put you in one of the worst class funds possible? Your fund not only has a 1% commission to sell, but it also has an ongoing 1% commission embedded in the expense ratio. Tell the advisor not to buy/s...
by pkcrafter
Wed May 10, 2017 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: Live off dividends or sell securities during retirement?
Replies: 9
Views: 1359

Re: Live off dividends or sell securities during retirement?

One reason to not take dividends is you lose the option of when and from where to make withdrawals. In a down market you definitely don't want dividends pulled out, you want them to buy shares.

Paul
by pkcrafter
Wed May 10, 2017 10:14 am
Forum: Investing - Help with Personal Investments
Topic: What is up with this fee structure? Helping a non-profit not get snookered.
Replies: 3
Views: 475

Re: What is up with this fee structure? Helping a non-profit not get snookered.

I can see why you are a bit confused. The MFs have expense ratios which are unrelated to the administrative fees. MF fees are taken daily and returns are reported after costs are removed no matter where you hold them. So, no additional cost as far as the plan is concerned. Oh, you pay the ERs all ri...
by pkcrafter
Tue May 09, 2017 10:48 pm
Forum: Investing - Help with Personal Investments
Topic: where to allocate new cash? input to balance my portfolio
Replies: 10
Views: 1096

Re: where to allocate new cash? should I hire financial advisor...

BL, the H on your HTTP is missing, so link won't work.

Paul

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