Bogleheads.org

pkcrafter

I doubt very much if the fund is expense ratio free. I think they mean the load is waived. And no, I would not recommend you hold it.

Paul

pkcrafter

Welcome, However, what is the forums opinion regarding investing a lump sum (windfall) in VHYDX during retirement, in a taxable account, if the dividends are equal to the amount one wishes to withdraw annually? Could this possibly be a good position in the event of a market downturn, which might mak...

pkcrafter

Hello all, Welcome, I am a small time investor. Due to owning more than one 'Balanced'Mixed Mutual fund (i.e. Vanguard bal. index, vbiax, and life strategy vsmgx, etc)....I have a simple question regarding how to determine my overall percent of investments in my portfolio. (I am trying to determine...

pkcrafter

Another poor attempt at discrediting indexing. It doesn't even make much sense.

Paul

pkcrafter

Yes, if you have income you can contribute to an IRA or Roth. View all accounts as one portfolio. Doing that allows you to hold bonds in the 401k and stocks in taxable while still maintaining your target asset allocation. You might also consider Vanguard tax-managed balanced VTMFX (~50/50) for the t...

pkcrafter

Hi all, I’m in my mid 20s and am new to investing in a taxable account. I made my first installment into the market last week (all Schwab ETFs on my Schwab account). For some background, I was previously in the 35% income bracket but will be in the 22% income bracket for the next two years before m...

pkcrafter

With the help of the boglehead forum and website I have moved to a three fund portfolio. Thank you! I am happy with my current portfolio and feel much more confident. However, I continue to learn about things such as tilting to small caps, and some low cost actively managed funds. I am not yet read...

pkcrafter

If you are now feeling a little concerned, and your portfolio is aggressive, you could lower the equity allocation to 80% or 75% with not much drop in return, but a noticeable drop in risk.

Paul

pkcrafter

Just a chart comparing these. Does everything continue to outpace inflation by increasing amounts?

https://calpers.voya.com/static/edtools ... _Bonds.jpg

Maybe not

https://i1.wp.com/inflationdata.com/art ... =901&ssl=1

Paul

pkcrafter

Welcome, Credit Card Debt: $3,000 @ 10% APR Pay this off every month. Tax Filing Status: Single Savings - $10,000 (emergency and all) This may be a little low for a single person. You might consider 3 months of EF. Stock - $1,000 Crypto - $11,000 401k - $28000 (20% of pay) Company match (90 cents f...

pkcrafter

I read in a 2012 post that bonds have beat us stocks over the last decade. Can someone explain how that is possible. When Bonds earn 9% in the best years for bonds and the S&P 500 earns over 20% in a good year. The S&P500 can earn over 20% in a good year, and it can lose more than than in a bad yea...

pkcrafter

Dan, the replies you received from Harry and Rick are what I would expect as both do act like coaches, but hold no certification. Here's another guy, no advisor credential, doing coaching that has taken it to the next level. https://wellkeptwallet.com/deacon-hayes/ Of course, coaches without an advi...

pkcrafter

Beach, it sounds like your wife's grandparents received this 300k from a sale and they've marked it for inheritance. In addition, they really don't want to have to managed it, so they have brought their daughter and son-in-law into management. That's fine, but it's still their money, which could tur...

pkcrafter

You might run your idea past Bogeheads Harry Sit (the oblivious investor) and Rick Van Ness, who operates Financing Life. Both do something like you describe and no certification is needed. Also see links in my response to Dan below. Harry Sit https://thefinancebuff.com/about Rick Van Ness https://f...

pkcrafter

The 4 fund portfolio is usually considered to be:

Total Stock Market
Total International
Bonds
International Bonds

Paul

pkcrafter

We don't know how much $$ is involved, but here is Fidelity Index Funds, Premium Class, which have a 10k min. I would just use a 3-fund version, with total stock market, total international, and a tax-efficient bond fund. https://www.fidelity.com/mutual-funds/investing-ideas/index-funds?imm_pid=7000...

pkcrafter

Here's another option. Boglehead Harry Sit (the finance buff) offers a service that will provide you with the names of three screened advisors in your area, but what you really may want is a financial plan that includes a review of everything you have and provides a detailed course of action. This i...

pkcrafter

Who is Bill Bonner? Never mind, I don't need to know.

Treadlightly, you and your husband's philosophy are wrong and harmful to long term potential wealth accumulation. You have to crank up education.

Paul

pkcrafter

Hey Everybody, Welcome Scott, Great sight and great people. I'm 29 years old and have just recently realized the EJ con I was wrapped up in. Ive begun the process of moving my 4 accts over to vanguard for a $400 EJ fee(whatever suck it Ed, I'm free). Vanguard is fine, but I'd be careful about movin...

pkcrafter

GAB The Gabelli Equity Trust is a closed-end, non-diversified management investment company whose investment objective is long term growth of capital, with income as a secondary objective. Investments will be made based on management's perception of their potential for capital appreciation. The Fund...

pkcrafter

Provide the names of a couple of international funds you are interested in and maybe readers can come up with answers.

I won't ask why you want to know this, but consider a fund that holds 200 stocks vs one that holds 30 stocks.

Paul

pkcrafter

A fact about active fund performance--it's worse than we thought. For example, according to S&P Global, only 34.11% of large-cap mutual funds that existed 15 years ago are around today. Needless to say, the 65.89% of funds that didn’t survive were mediocre performers when they were merged or liquida...

pkcrafter

If factor investing works reliably it will become very popular and it will be reflected in total market profile. Ho hum.

Paul

pkcrafter

Thanks Taylor, good story. Buffet has a lot of respect for John Bogle, and seems to be the other way around too.

Paul

pkcrafter

PFInterest wrote: ↑
Wed Apr 18, 2018 9:06 am
Is the 2017 IRA contribution deadline also extended till today given the IRS extension?

You may make a contribution anytime from January 1 to the tax filing deadline (April 18 in 2018).

https://www.rothira.com/roth-ira-rules

Paul

pkcrafter

RoadRat, you've gotten a lot of replies; here are is a summary. 1. 1.2% is expensive for a management fee. 2. The 60 stocks raises more questions. Is the advisor frequently selling/buying stocks? There are additional fees to buy and sell. This no doubt benefits the advisor more than the client. 3. I...

pkcrafter

I am in a debate with a friend regarding performance of an actively managed portfolio that charges 1.2% fees per year vs. a three fund strategy at Vanguard. Please help me with the pros/cons of this argument. Thanks in advance. Love, RR Are you saying 1.2% is the advisor's fee, and in addition he h...

pkcrafter

billo, here's the performance of GABAX on Morningstar. This fund is also very tax-inefficient, so shouldn't be in a taxable account.

http://performance.morningstar.com/fund ... ture=en-US

Paul

pkcrafter

Thanks for replying. Should I open an IRA account at the bank or at Vanguard .....? what do you recommend? Banks are expensive places to keep investments of any kind. If you want to try to open an account tomorrow, try Schwab or Fidelity, but don't opt for any managed or advisory accounts . Both ha...

pkcrafter

An example of specific stock risk.

Victoria...

Paul

pkcrafter

In 2015, Swensen said this: Fees can do terrible damage to your investment returns. Even in higher-risk, higher-return asset classes such as stocks you can only expect high-single digit or low double-digit returns over long periods of time. So if you end up paying 1 percent to a financial adviser, a...

pkcrafter

Mr Jones: I too need encouragement to stay the course even with my analytical personality. Now if I can prove to myself that the payoff was not worth the amount of time and effort in maintaining individual stock, I'd just go 100% index. It may take you 10 years or more to get a reliable answer to th...

pkcrafter

What advantages do a personalized portfolio have over a target date fund, in your opinion?

Personalized Portfolio...
ADVANTAGE - Allows hands on so you can customize and tweak
DISADVANTAGE - Allows hands on so you can customize and teak.

Paul

pkcrafter

Thanks guys for all your input. What do you think about my current scenario and me AA 100% towards US equities like a total US market index fund? Like I said I don’t really have any need for this cash in the next 5 years or so and I would hate to miss on any potential appreciation. Please advise.. ...

pkcrafter

The question I'm trying to answer is what would have happened if I had invested - bought and sold - in one ticker versus another on a certain pair of dates. This is almost a totally useless exercise. What would have happened does not correlate very well with what will happen. Use index funds and yo...

pkcrafter

Unless you simply hold cash/CDs in the IRA, I would not recommend a bank for any investing. Broker Check/Complaint https://www.thebalance.com/financial-advistors-credentials-2388438 FINRA https://brokercheck.finra.org/ FINRA Broker Complaint http://www.finra.org/investors/investor-complaint-center

pkcrafter

Let's not forget what Bogleheads' is all about. From Getting Started in the Wiki... The Bogleheads® motto is Investing Advice Inspired by Jack Bogle. We are part of his crusade "to give ordinary investors a fair shake." Buffett Called Me a Hero https://www.cnbc.com/2017/05/08/buffett-called-me-a-her...

pkcrafter

jhfenton wrote: 5 years of underperformance! I'm convinced. :oops: Or perhaps, I'll stick with what has overperformed for me for more than 20 years. Come on, don't leave us in suspense, what is your secret overperformance strategy? For those who aren't familiar with John Bogle's classic Tell Tail C...

pkcrafter

billo, there are several versions of that fund, we need the ticker symbol. Taylor has provided info on the investor class, but is that the fund you have? Some versions have even lower returns because of higher fees.

Paul

pkcrafter

Here's an explanation, but keep in mind if we follow and pay attention to P/E10 and returns, the P/E10 ratio should not be as high as it is. One thing is certain though, stocks don't grow to the sky, so forecasts have to be for lower returns.

https://www.lynalden.com/shiller-pe-cape-ratio/

Paul

pkcrafter

So, been reading this site a month now and have recently read a couple of the books recommended from this site (Bogleheads Guide to Retirement, and the other one Bogleheads Guide to Investing) and I’m currently trying to rearrange my 401K and my Roth IRA along with my Wife’s Roth IRA. Just curious ...

pkcrafter

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pkcrafter

I'm currently with GEICO, but just got an unsolicited letter from 21st Century claiming $300 less for same policy. 21st Century doesn't seem to have very good reviews, but it has made me curious about good, lower cost companies.

Any ideas?

thanks,

Paul

pkcrafter

M* is having all kinds of problems with their "upgraded" website.

http://socialize.morningstar.com/NewSoc ... px#3923552

http://socialize.morningstar.com/NewSoc ... px#3908651

Paul

pkcrafter

All great responses. Someone young like my son has 40 plus years of investing. Someone like me does not have that time especially if I want to enjoy the investments. So, as I did when I retired I lowered my AA stocks/fixed income to reduce some risk of the market. This makes even more sense now. I ...

pkcrafter

^ This is the best researched, most clearly argued 18 pages on the real facts about passive investing that I've seen. This write-up serves as a strong antidote to all the scare articles one sees in the financial press — and should be recommended in every future Forum thread about the "dangers" of p...

pkcrafter

jhfenton wrote: 5 years of underperformance! I'm convinced. :oops: Or perhaps, I'll stick with what has overperformed for me for more than 20 years. Come on, don't leave us in suspense, what is your secret overperformance strategy? For those who aren't familiar with John Bogle's classic Tell Tail C...

pkcrafter

I am convinced! https://www.advisorperspectives.com/articles/2018/04/09/factor-investing-what-went-wrong Any comments? Thanks, excellent article from Allan Roth. There are a few investors on the board that have the knowledge and experience to actually capture some of these now you see 'em, now you ...

pkcrafter

Here are two investing articles that provide the fundamentals of Boglehead investing in a very few words. http://time.com/money/collection-post/3926814/best-investing-books-shiller-malkiel/ All the investment advice you'll ever need. https://www.washingtonpost.com/news/wonk/wp/2013/09/16/this-4x6-in...

pkcrafter

Thanks Taylor. I fully agree with the article, and index funds are incredibly hard to beat in a rising market. Index funds have attracted a lot of flip-flop investors and they will drop out when the market falls thus creating a deeper drop.

Paul

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