Search found 9668 matches

by pkcrafter
Tue Feb 09, 2016 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: buy-and-hold, vs more active mgt....question
Replies: 4
Views: 301

Re: buy-and-hold, vs more active mgt....question

Mike, when do you plan to retire? What will your initial withdrawal rate be? Answers to those questions will help with better answers. Right now, you are confirming your risk aversion, but you are not 60% stocks any longer. I think your bond funds are fine, but if you want a little more quality, con...
by pkcrafter
Mon Feb 08, 2016 11:00 pm
Forum: Investing - Help with Personal Investments
Topic: No guts to buy today!
Replies: 55
Views: 5085

Re: No guts to buy today!

I know that I will regret it. It happens to me every time that there is a major equity drop. Instead of buying I chicken out. In a year I will say the same I always say: "You fool" I have been at it over 30 years and I cannot correct my bad habit. You don't deserve your own criticism. You...
by pkcrafter
Sat Feb 06, 2016 5:47 pm
Forum: Investing - Help with Personal Investments
Topic: difference between two vanguard funds and more
Replies: 10
Views: 659

Re: difference between two vanguard funds and more

Just taking this example from my current 401k plan: Target Retirement 2050 Trust I (as in Fidelity website when i click on the link) - expense ratio: .07% Anna, some of us are a bit confused here. First of all, I've never seen a TR fund that is 100% stock. Second, is this a Fidelity fund or a fund ...
by pkcrafter
Fri Feb 05, 2016 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: I Lost My FInancial Brain - Please Help
Replies: 73
Views: 6278

Re: I Lost My FInancial Brain - Please Help

beehumble, I am also very sorry for your loss. You are being offered a pretty good rate on the GICs (insurance company contract), but you must look at the length of the contract and whether it's redeemable or not. Once you're in, you may have a very difficult time getting out. So if you have a long ...
by pkcrafter
Fri Feb 05, 2016 11:44 am
Forum: Investing - Theory, News & General
Topic: Expense ratio vs return on investment
Replies: 13
Views: 1144

Re: Expense ratio vs return on investment

uconnlj, dbr has provided a very good explanation of cost impact, and here is some data support SPIVA Report http://www.spindices.com/documents/spiva/spiva-us-year-end-2014.pdf Index funds have outperform 80% of all active funds over a 20 year period, and the winning 20% can't be identified in advan...
by pkcrafter
Fri Feb 05, 2016 9:11 am
Forum: Investing - Help with Personal Investments
Topic: Need advice - 1st time investor
Replies: 11
Views: 669

Re: Need advice - 1st time investor

alhhaois, is that 300k in a taxable account? Where is it held and what is it invested in right now?

Paul
by pkcrafter
Thu Feb 04, 2016 10:42 pm
Forum: Investing - Theory, News & General
Topic: Take the Verb Tense Pledge!
Replies: 69
Views: 3762

Re: Take the Verb Tense Pledge!

Nisi beat me too it, but I was going to say I think Nisi is trying to make a point about automatically applying past data as if it were a fact about present or future data. Taking the pledge is a good reminder to be accurate. I have to say, though, there are some great responses in this thread. I en...
by pkcrafter
Thu Feb 04, 2016 10:16 pm
Forum: Investing - Theory, News & General
Topic: If SS covers expenses why invest?
Replies: 64
Views: 4387

Re: If SS covers expenses why invest?

Exige wrote: ...and we are very young... You are about 30 and you have some certainty about how things will be in 35 years? You don't have a bird in hand. :happy Life is what happens when you are making other plans. John Lennon You are an excellent saver, so you must be doing that for a reason. I th...
by pkcrafter
Thu Feb 04, 2016 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: [Am I getting a bad deal from my financial planner?]
Replies: 58
Views: 3961

Re: Am I getting screwed?

Pepperz, you are doing what the majority of investors are doing, but luckily you now have a wake-up call. Could have been worse. Yes, you are with a high cost advisor, but you've also had the bad timing to hit a market downturn. Those are going to occur throughout your investing life. As far as the ...
by pkcrafter
Wed Feb 03, 2016 4:55 pm
Forum: Investing - Help with Personal Investments
Topic: Clueless college new grad 22 yo, 200k income looking to start saving
Replies: 143
Views: 11211

Re: Clueless college new grad 22 yo, 200k income looking to start saving

moonhalf wrote : I would also very much appreciate advice regarding long term investments. In the OP, moonhalf provided a lot of information which every post responded to, but he also asked about long term investing, which no one addressed. It may now be time to respond to investing questions. First...
by pkcrafter
Wed Feb 03, 2016 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: Help Ditching Ameriprise
Replies: 7
Views: 830

Re: Help Ditching Ameriprise

Welcome, I invested about 95K into a portfolio heavily skewed towards US equities\mutual funds back in October. I made the poor assumption that someone with a fiduciary responsibility wouldn't steer me towards poor investments. Nope, Ameriprize does not provide fiduciary duty. I'm determined to jump...
by pkcrafter
Wed Feb 03, 2016 9:35 am
Forum: Investing - Help with Personal Investments
Topic: Clueless college new grad 22 yo, 200k income looking to start saving
Replies: 143
Views: 11211

Re: Clueless college new grad 22 yo, 200k income looking to start saving

Bogleheads Investment Philosophy No. 1 Develop a workable plan-- Live below your means. Perhaps the most important idea underlying the Bogleheads approach to investing is recognizing you need to save a significant portion of income every month to have enough money for a comfortable retirement. There...
by pkcrafter
Mon Feb 01, 2016 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: Under-estimated my risk tolerance
Replies: 25
Views: 3205

Re: Under-estimated my risk tolerance

I always get a little nervous when I see an investor putting need to take risk above ability and willingness, and based on your situation, I don't think it's justified. You are ~25 years from retirement and have an excellent savings rate of 17%, so I don't see the necessity of more need to take risk...
by pkcrafter
Sun Jan 31, 2016 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: How does expense ratio work?
Replies: 16
Views: 1515

Re: How does expense ratio work?

'm planning on trading ETFs every month on my Vanguard account because it's free. This is exactly why John Bogle does not like ETFs. Trading monthly is not a good strategy. What is your goal with the frequent trading, or are you using "trading" to mean something else? Returns are listed a...
by pkcrafter
Sat Jan 30, 2016 10:12 am
Forum: Investing - Help with Personal Investments
Topic: Additional Investment Options
Replies: 3
Views: 368

Re: Additional Investment Options

It's not as good as it sounds on first read. I've never heard of a plan like this either. Let's say you make 100k/year and you start the plan. In year one you have zero in the plan and you add 10k over the next 12 months. At the end of the year you have earned zero because the balance at the beginni...
by pkcrafter
Sat Jan 30, 2016 9:17 am
Forum: Investing - Theory, News & General
Topic: "Why Simple Is Still a Hard Sell"
Replies: 24
Views: 4545

Re: "Why Simple Is Still a Hard Sell"

Thanks for this timely post. Before reading it this morning, I went down the list of posts and ran across several that were so far from the Boglehead approach I had to wonder why some were even posting here. When questioned by regulars the answers were always, yes, I understand that, but... Apparent...
by pkcrafter
Fri Jan 29, 2016 11:56 pm
Forum: Investing - Help with Personal Investments
Topic: How does expense ratio work?
Replies: 16
Views: 1515

Re: How does expense ratio work?

'm planning on trading ETFs every month on my Vanguard account because it's free. This is exactly why John Bogle does not like ETFs. Trading monthly is not a good strategy. What is your goal with the frequent trading, or are you using "trading" to mean something else? Returns are listed a...
by pkcrafter
Fri Jan 29, 2016 9:13 pm
Forum: Investing - Help with Personal Investments
Topic: EJones Advisor wants to talk!
Replies: 84
Views: 6251

Re: EJones Advisor wants to talk!

I assume you are talking about an IRA or 401k transfer. Did you not know you could initiate this transfer from TSP and avoid any conversation with EJ? https://www.tsp.gov/PlanParticipation/EligibilityAndContributions/RolloversTransfers/methods.html Use a direct transfer . I hope that is what you ask...
by pkcrafter
Fri Jan 29, 2016 10:18 am
Forum: Investing - Help with Personal Investments
Topic: Personal experience with Value Investors Club?
Replies: 6
Views: 467

Re: Personal experience with Value Investors Club?

http://www.valueinvestorsclub.com/ is a value investing club in which you have to provide some investment tips in order to gain access to tips from other professionals (if not you can see tips with 45 days lag). (I know Bogleheads are not too fond of Value Investing but just want to see if anyone h...
by pkcrafter
Wed Jan 27, 2016 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: Should I leave Ameriprise?
Replies: 28
Views: 1701

Re: Should I leave Ameriprise?

No friend would ever put a friend in C class funds.

Paul
by pkcrafter
Tue Jan 26, 2016 8:59 pm
Forum: Investing - Help with Personal Investments
Topic: HELP - need advisor-leaving advice quick...
Replies: 7
Views: 596

Re: HELP - need advisor-leaving advice quick...

Welcome, Ok, you have lots of questions, but you are approaching this is the right way--one thing at a time. For other questions, start another post. Meanwhile, I'm in few funds that have 1% or so loads, plus a whole mess of other stuff. And for reasons I can't make out, since even a simple S&P ...
by pkcrafter
Tue Jan 26, 2016 7:55 pm
Forum: Investing - Theory, News & General
Topic: "The Index Mutual Fund: 40 Years of Growth, Change and Challange" by Jack Bogle
Replies: 7
Views: 1171

Re: "The Index Mutual Fund: 40 Years of Growth, Change and Challange" by Jack Bogle

Thanks, Mr. Bogle, and thanks, Taylor. You pulled an excellent list of gems from the article.

Paul
by pkcrafter
Tue Jan 26, 2016 5:56 pm
Forum: Investing - Theory, News & General
Topic: Is having a Target Fund just park of a 2, 3 Portfolio a bad idea?
Replies: 19
Views: 1292

Re: Is having a Target Fund just park of a 2, 3 Portfolio a bad idea?

Maybe the OP does not want 40% international. If the reason is something like that, then he might use TSM instead of S&P500.

Paul
by pkcrafter
Tue Jan 26, 2016 11:59 am
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday Taylor!
Replies: 87
Views: 3692

Re: Happy Birthday Taylor!

Taylor, happy birthday and thanks for all you have done for me and thousands of other investors over the years.

best wishes,

Paul
by pkcrafter
Mon Jan 25, 2016 10:49 pm
Forum: Investing - Theory, News & General
Topic: What is your favorite Financial Quote or Metaphor??
Replies: 179
Views: 9371

Re: What is your favorite Financial Quote or Metaphor??

“the best kept secret in the investing world: Almost nothing turns out as expected.” -Harry Browne Why is it "a penny for your thoughts", but someone always wants to "put their two cents in"? Don't gamble; take all your savings and buy some good stock and hold it till it goes up,...
by pkcrafter
Mon Jan 25, 2016 8:31 pm
Forum: Investing - Help with Personal Investments
Topic: Risk Tolerance with Short Investment Horizon
Replies: 4
Views: 373

Re: Risk Tolerance with Short Investment Horizon

As mentioned, sequence of returns is looming as something you need to consider, which is exactly what you are doing. When we think of risk, we have to consider tolerance for risk, and that is primarily emotional tolerance, which is usually lower than cognitive/rationally deduced tolerance. It seems ...
by pkcrafter
Mon Jan 25, 2016 7:33 pm
Forum: Investing - Help with Personal Investments
Topic: Should we do what our FA advises?
Replies: 52
Views: 3460

Re: Should we do what our FA advises?

1.98% advisory fee is over twice the average rate, and I looked up 3 of the suggested stock funds and they have expense ratios (ER) over 1%. Emerging Markets debt ER - 1.36% SEI funds http://quicktake.morningstar.com/fundfamily/sei/0C00004JEC/fund-list.aspx Not good. Boglehead Rick Ferri charges 0.3...
by pkcrafter
Mon Jan 25, 2016 11:57 am
Forum: Investing - Help with Personal Investments
Topic: Another 100% stock thread!
Replies: 33
Views: 2816

Re: Another 100% stock thread!

Unread postby pkcrafter » Mon Jan 25, 2016 10:38 am I guess the question you have to ask is are stocks risky or not--and I'm not talking about volatility. Paul Stocks are risky and so are bonds. One can even lose money on US treasuries short term. Over long periods 20yrs + though stocks have beaten...
by pkcrafter
Mon Jan 25, 2016 10:38 am
Forum: Investing - Help with Personal Investments
Topic: Another 100% stock thread!
Replies: 33
Views: 2816

Re: Another 100% stock thread!

I guess the question you have to ask is are stocks risky or not--and I'm not talking about volatility.

Paul
by pkcrafter
Sun Jan 24, 2016 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: Think my future father in law is giving the wrong advice to my fiance..what should i do?
Replies: 111
Views: 9100

Re: Think my future father in law is giving the wrong advice to my fiance..what should i do?

I believe the situation was her father called her and said that she should change her aa because of market conditions. I believe she then gave him access to account to change the aa to t-bill fund That is not a good idea. She should change the PW. I appreciate the advice definitely respect fil as h...
by pkcrafter
Sun Jan 24, 2016 10:24 am
Forum: Investing - Help with Personal Investments
Topic: Think my future father in law is giving the wrong advice to my fiance..what should i do?
Replies: 111
Views: 9100

Re: Think my future father in law is giving the wrong advice to my fiance..what should i do?

jr wrote: I came home from work the other day and my fiance tells me her father moved all of her money out of these two funds and into the Fidelity Institutional Money Market Treasury Only Fund. Well, that isn't exactly accurate is it. Actually, it was your fiance who moved the money. What were your...
by pkcrafter
Sun Jan 24, 2016 9:35 am
Forum: Investing - Help with Personal Investments
Topic: Retirement AA - no rhyme or reason and in need of help
Replies: 33
Views: 2322

Re: Retirement AA - no rhyme or reason and in need of help

turnips wrote: I shouldn't have lumped all the TC holdings the way I did in the OP, I can now see that. Each contract is completely separate, each a different animal in the zoo! But before editing the OP to show the 4 separate TC contracts and offerings, I can check with TC about consolidating any o...
by pkcrafter
Sat Jan 23, 2016 12:19 pm
Forum: Investing - Theory, News & General
Topic: Best article/study describing why and by how much retail investors under-perform?
Replies: 41
Views: 2415

Re: Best article/study describing why and by how much retail investors under-perform?

Thanks for starting this discussion. It is important and any insights that can help investors understand the problem and their own behavior would be helpful. While I think the Dalbar studies are too extreme, there is no doubt investors, both professional and retail, make costly behavioral errors. Wh...
by pkcrafter
Fri Jan 22, 2016 8:27 am
Forum: Investing - Help with Personal Investments
Topic: Confused About Vanguard Div/CG Elections
Replies: 3
Views: 335

Re: Confused About Vanguard Div/CG Elections

jepalan wrote:Ah! :oops: I get it.

I think the note would have been better worded as "The Bank Transfer and Check options are only available for VG mutual funds."
Thanks!



Yes, that's poorly worded. Your wording is much clearer. Let them know.

Paul
by pkcrafter
Thu Jan 21, 2016 10:19 am
Forum: Investing - Help with Personal Investments
Topic: Edward Jones or Vanguard?
Replies: 53
Views: 4587

Re: Edward Jones or Vanguard?

Did you M-I-L ask for your help or opinion? If not, don't get involved. Anything that goes wrong will be your fault. :happy

Paul
by pkcrafter
Thu Jan 21, 2016 9:15 am
Forum: Investing - Help with Personal Investments
Topic: Boring investing - nothing to report until my first rebalance!
Replies: 7
Views: 371

Re: Boring investing - nothing to report until my first rebalance!

After setting up my 3 fund lazy portfolio several years ago I've felt quite bored. There's nothing to post about on these boards when you're simply shoveling money into Total US Stock, Total Bond, and Total International. And up until now I've manged to keep my AA in check simply by tweaking my con...
by pkcrafter
Thu Jan 21, 2016 9:13 am
Forum: Investing - Help with Personal Investments
Topic: Move to Bonds?
Replies: 18
Views: 1856

Re: Move to Bonds?

I am 30 years old, and almost 100% Stocks. When should I start incorporating bonds into my A/A?

You should have had some bonds in your portfolio from the start, but when stocks are falling is not the time to start thinking about adding bonds. Hang it there.


Paul
by pkcrafter
Thu Jan 21, 2016 8:55 am
Forum: Investing - Help with Personal Investments
Topic: So many Choices!!
Replies: 18
Views: 1708

Re: So many Choices!!

Disregarding lending series for a moment and just looking at the 3 funds you hold, it's clear that you don't have proper diversification because you don't have any U.S. large cap. You may have other assets invested, and that's why it's important to follow the recommended posting format. So, we are l...
by pkcrafter
Thu Jan 21, 2016 8:22 am
Forum: Investing - Help with Personal Investments
Topic: Going from 50/50 US/Int to All US
Replies: 80
Views: 5183

Re: Going from 50/50 US/Int to All US

I'm pretty sure Bogle did not say, if you have decided to invest in international, be sure to sell it when it doesn't do well.

Paul
by pkcrafter
Wed Jan 20, 2016 6:33 pm
Forum: Investing - Help with Personal Investments
Topic: Where to Allocate Money in Todays Market Starting From Scratch
Replies: 7
Views: 733

Re: Where to Allocate Money in Todays Market Starting From Scratch

I just opened a Vanguard Roth IRA with $11,000.

Was this for 2015 and 2016 contributions? I agree, you will get more helpful information if you follow the recommended posting guideline.

Paul
by pkcrafter
Mon Jan 18, 2016 9:40 am
Forum: Investing - Help with Personal Investments
Topic: Failing "sleep well" test: Change AA or more Boglehead-therapy?
Replies: 63
Views: 5110

Re: Failing "sleep well" test: Change AA or more Boglehead-therapy?

Nonetheless, I'm failing the sleep test. Rational analysis is trumped by emotion. Alas, as the wise mentors on this site have stated repeatedly, capacity for risk is not the same as emotional tolerance for risk. Right now I am clearly not tolerating it. You've got it! However, this concept is very ...
by pkcrafter
Mon Jan 18, 2016 9:17 am
Forum: Investing - Help with Personal Investments
Topic: I can sleep at night but it is on my mind a lot
Replies: 60
Views: 3383

Re: I can sleep at night but it is on my mind a lot

I will be retiring in a few month's and now with the markets dropping I'm getting a little nervous. It's natural to be nervous when you realize for the first time you don't have income back up. It feels a bit like walking a tight rope without a net. But here's the facts. Your actual withdrawal is $...
by pkcrafter
Fri Jan 15, 2016 8:54 am
Forum: Investing - Theory, News & General
Topic: Let's say you wanted to buy some investments....
Replies: 18
Views: 1584

Re: Let's say you wanted to buy some investments....

I have a friend, that after many, many, BIG losses buying individual stocks called me today and told me what he was buying. He won't listen to my suggestions to visit this site or ANYTHING I suggest. Good example of how NOT to invest. Your friend has no plan, or useful knowledge. Did he even ask yo...
by pkcrafter
Wed Jan 13, 2016 11:36 am
Forum: Investing - Help with Personal Investments
Topic: Why is there no vanguard competitor?
Replies: 48
Views: 5267

Re: Why is there no vanguard competitor?

Why is there no vanguard competitor? There is a simple answer. The fact there isn't says a lot about the entire mutual fund industry. Vanguard is the only not-for-profit mutual fund company. Every other company is in business to make as much money as they can. Now there are some big companies offer...
by pkcrafter
Wed Jan 13, 2016 10:04 am
Forum: Investing - Help with Personal Investments
Topic: Why is there no vanguard competitor?
Replies: 48
Views: 5267

Re: Why is there no vanguard competitor?

Why is there no vanguard competitor? There is a simple answer. The fact there isn't says a lot about the entire mutual fund industry. Vanguard is the only not-for-profit mutual fund company. Every other company is in business to make as much money as they can. Now there are some big companies offer...
by pkcrafter
Tue Jan 12, 2016 4:43 pm
Forum: Investing - Help with Personal Investments
Topic: Help needed comparing mean and median market caps
Replies: 2
Views: 195

Re: Help needed comparing mean and median market caps

I don't know that you need to worry about your retirement plan option in building the rest of your portfolio. The Lipper Balanced fund is not a fund, it is a composite of the 30 largest balanced funds. The only list I could find is from 2010. Certainly, Vanguard TR funds, LS funds, Wellington, and F...
by pkcrafter
Tue Jan 12, 2016 1:26 pm
Forum: Investing - Help with Personal Investments
Topic: Total Newbie Needs Help!
Replies: 9
Views: 565

Re: Total Newbie Needs Help!

When my son was born 2 years ago I started an American Fund College America account through my bank for college savings. It was only a couple thousand and there was initial loss of 200 for fees. But now two years later its still losing money, not much but everyone tells me an investment shouldn't b...
by pkcrafter
Mon Jan 11, 2016 10:41 am
Forum: Investing - Help with Personal Investments
Topic: Fixed 403b or 401K?
Replies: 3
Views: 250

Re: Fixed 403b or 401K?

Option 1: Make contributions to my husband's current 403b plan which is a fixed rate of 4.5% with no fees. Can you explain this a bit more. The way you wrote this sounds like this fixed rate is the only option. Is that true, or is the fixed rate just one option in the plan? What is this fixed rate ...

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