Search found 9850 matches

by pkcrafter
Sun May 01, 2016 11:42 am
Forum: Investing - Help with Personal Investments
Topic: Can Vanguard represent me with the rollover?!
Replies: 13
Views: 1092

Re: Can Vanguard represent me with the rollover?!

You should be considering a direct transfer, not a rollover. Here's the difference. This process is known as a direct rollover or trustee-to-trustee transfer. When you move your money this way, you never have to worry about the tax consequences of your transfer. 401k rollovers are NEVER trustee-to-...
by pkcrafter
Sun May 01, 2016 10:26 am
Forum: Investing - Theory, News & General
Topic: Company Match and high ERs
Replies: 20
Views: 967

Re: Company Match and high ERs

I believe that the high expense ratio (ER) of the Vanguard funds, and all funds in the plan, is due to having the plan's administrative costs tacked on and visible. The majority of companies pass on administrative costs to the plan participants, but they aren't tacked on to the ER of the funds, they...
by pkcrafter
Sat Apr 30, 2016 9:54 pm
Forum: Investing - Theory, News & General
Topic: Reading Recommendations
Replies: 5
Views: 455

Re: Reading Recommendations

sschullo wrote:Bogleheads recommended list: https://www.bogleheads.org/wiki/Books:_recommendations_and_reviews

Yes, and while you are looking at the list be sure to take a look at Taylor's select quotes (gems).

Paul
by pkcrafter
Sat Apr 30, 2016 2:18 pm
Forum: Investing - Help with Personal Investments
Topic: New 401k
Replies: 9
Views: 593

Re: New 401k

Hi All First let start by saying thank you for all the suggestions and insight. Everyone has been very nice and helpful. This sight is full of information that can help anyone that would like to listen. OK I have decided on an allocation with the help of my BF after speaking with him at length rega...
by pkcrafter
Sat Apr 30, 2016 12:11 pm
Forum: Investing - Help with Personal Investments
Topic: Can Vanguard represent me with the rollover?!
Replies: 13
Views: 1092

Re: Can Vanguard represent me with the rollover?!

You should be considering a direct transfer, not a rollover. Here's the difference. Rollover Comparison There are two ways to move money from one 401k to another or to an IRA. Either the money moves via a direct transfer or the money is sent to you and you move the money to the new account. For this...
by pkcrafter
Sat Apr 30, 2016 10:39 am
Forum: Investing - Theory, News & General
Topic: A Vanguard Target fund deconstructed - pros/cons?
Replies: 32
Views: 2249

Re: A Vanguard Target fund deconstructed - pros/cons?

30% (not 40%) of bonds is allocated to Total International Bond Index fund. Thanks. I just corrected my original post. Why not just follow market weight. Vanguard themselves recommend 20-50%. I'm still learning and I don't even know what market weight means. 20-50% seems like an awfully wide range....
by pkcrafter
Sat Apr 30, 2016 9:22 am
Forum: Investing - Help with Personal Investments
Topic: Investment Fee's [too high?]
Replies: 36
Views: 1724

Re: Investment Fee's [too high?]

Hi Everyone. Was wondering...Is 1% fee to my advisor and 2% to the actively managed fund he hooked me up with too much to pay on a annual basis? $405K is what I rolled over from my employment 401K when I retired last July. Thank You Kim Kim, what is the ticker symbol of the fund that's charging 2%?...
by pkcrafter
Fri Apr 29, 2016 9:44 am
Forum: Investing - Help with Personal Investments
Topic: Help with Long-term Allocation
Replies: 30
Views: 1686

Re: Help with Long-term Allocation

Indexaway, just to add a bit of perspective, you have an aggressive portfolio of 80% stock, plus the high-yield will also act like a stock fund in a downturn. You also have a strong tilt to small cap and you've included REITs. What this means is you will get lots of tracking error plus a potential d...
by pkcrafter
Thu Apr 28, 2016 5:55 pm
Forum: Investing - Help with Personal Investments
Topic: Please advise me.
Replies: 6
Views: 604

Re: Please advise me.

I am looking for a medium to low risk , long term investing portfolio with a 25 - 30 year plan with an annual before inflation ROR of ~ 8 %.

You cannot have low risk and return of 8%. What is your idea of medium to low risk? Your Freedom 2050 fund is 90% stock, which is high.

Paul
by pkcrafter
Wed Apr 27, 2016 11:52 pm
Forum: Personal Finance (Not Investing)
Topic: I Hate My Job: Politics at Work (Advice Needed)
Replies: 105
Views: 10575

Re: I Hate My Job: Politics at Work (Advice Needed)

tjhar: I recently moved for my first job after getting a PhD, but I'm really not adjusting well. No, you're not. Has it occurred to you that you are the one being tested to see if you have a cooperative team attitude among other things they are looking for. Hate to say it, but you're probably flunki...
by pkcrafter
Wed Apr 27, 2016 2:48 pm
Forum: Investing - Theory, News & General
Topic: the effect of market returns on investor behavior
Replies: 2
Views: 516

Re: the effect of market returns on investor behavior

Thanks Larry, glad to see you doing more in the behavioral finance area. Now you might write--
The Effect of Investor Behavior on Market Returns. :happy

Paul
by pkcrafter
Tue Apr 26, 2016 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: Feedback on plan to balance my portfolio
Replies: 14
Views: 949

Re: Feedback on plan to balance my portfolio

Have you been through a big downturn like 2008? If not, do you think you could hold while losing 35-40% of assets? Yup, I saw 30-40% of my 401k evaporate in 2008. I did panic a bit and move the remainder into bonds, which I came to understand was a terrible idea. I missed out on a lot of rebounding...
by pkcrafter
Tue Apr 26, 2016 9:38 am
Forum: Investing - Help with Personal Investments
Topic: How to find a good financial planner?
Replies: 7
Views: 660

Re: How to find a good financial planner?

Check Garrett Financial Network. They provide a list of fee-only hourly advisors. You can search according to city/state.

http://www.garrettplanningnetwork.com/about

Paul
by pkcrafter
Mon Apr 25, 2016 4:22 pm
Forum: Investing - Theory, News & General
Topic: Social Security loopholes closed
Replies: 19
Views: 2479

Re: Social Security loopholes closed

Thanks, that's a very interesting article.

Paul
by pkcrafter
Mon Apr 25, 2016 9:47 am
Forum: Investing - Help with Personal Investments
Topic: Feedback on plan to balance my portfolio
Replies: 14
Views: 949

Re: Feedback on plan to balance my portfolio

Your plan looks good, but I don't think you should hold extended market in taxable because of it's average tax efficiency. The 80/20 allocation may be OK, but you can't just go on anyone's recommendation because recommendations don't account for emotional risk tolerance. Have you been through a big ...
by pkcrafter
Mon Apr 25, 2016 8:45 am
Forum: Investing - Help with Personal Investments
Topic: Finding my mom a financial advisor
Replies: 25
Views: 1608

Re: Finding my mom a financial advisor

Czilla9000, where is mom's money now and how is it invested? I don't think you should manage mom's money because you will be blamed for anything that goes wrong. Mom could consider an hourly advisor's full review. These consultations can be fairly expensive, but they cover everything and it's a one-...
by pkcrafter
Sun Apr 24, 2016 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: Me vs. Vanguard
Replies: 24
Views: 3780

Re: Me vs. Vanguard

Hello Bogleheads- I'm writing to give you an update about my situation that I discussed in my first post to this forum (" My husband left me for a younger woman - help me take control of my finances "). To recap, I created a index fund-centric investment plan. But since I'm not a professi...
by pkcrafter
Sun Apr 24, 2016 2:53 pm
Forum: Investing - Help with Personal Investments
Topic: Differing yield figures for vanguard bond funds?
Replies: 6
Views: 333

Re: Differing yield figures for vanguard bond funds?

Right now, both M* and Vanguard are showing a 30 day yield of 1.69%

Paul
by pkcrafter
Sun Apr 24, 2016 9:15 am
Forum: Investing - Theory, News & General
Topic: Do you think this is a bad time to enter the market? With the dow at 18,000
Replies: 89
Views: 7194

Re: Do you think this is a bad time to enter the market? With the dow at 18,000

I know it seems like a silly question. I just have got burned bad before so I am super careful. I think I will dollar cost average over a longer period of time maybe 7 years. I don't know if you are serious with this idea, but it's not what you should be thinking about. First, if and when you get b...
by pkcrafter
Sat Apr 23, 2016 11:18 pm
Forum: Investing - Theory, News & General
Topic: Determine risk tolerance
Replies: 19
Views: 1137

Re: Determine risk tolerance

For the record, 70% stock is not conservative. You might lose 35% in a bad crash and you probably don't know right now how you might react. No one else can tell you what asset allocation you should have because they base the recommendation on their own perceptions which are likely different than you...
by pkcrafter
Sat Apr 23, 2016 7:57 pm
Forum: Investing - Theory, News & General
Topic: How do you avoid bad market timing for lump sum investments?
Replies: 23
Views: 2016

Re: How do you avoid bad market timing for lump sum investments?

If you are worried about bad market timing, you are not ready to be invested in stocks. There's a lot said here. But to clarify... Are you new to investing? is the money you want to invest new to the market, or is was it invested somewhere else? What is your intended asset allocation for the money?...
by pkcrafter
Sat Apr 23, 2016 6:05 pm
Forum: Investing - Theory, News & General
Topic: Did TIPS Really work?
Replies: 41
Views: 3212

Re: Did TIPS Really work?

These type of threads really amaze me. Bogleheads who should know better succumb to recency bias. This forum was very pro-TIPS when I first started coming here. We have a few years of disappointing performance and people ask, what do we need these things for anyway? International stocks have also b...
by pkcrafter
Sat Apr 23, 2016 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: New 401k
Replies: 9
Views: 593

Re: New 401k

Welcome driggs70, sounds like you've got a pretty smart BF. :happy Coming here yourself was by far your best choice, after all, it is your money and you need to learn how to manage it. Were you investing previously, and if so, what was your allocation to stocks? I'm asking because those questionnair...
by pkcrafter
Fri Apr 22, 2016 5:34 pm
Forum: Investing - Theory, News & General
Topic: Did TIPS Really work?
Replies: 41
Views: 3212

Re: Did TIPS Really work?

Also remember TIPs have never been tested in a significant rising rate situation.

Paul
by pkcrafter
Fri Apr 22, 2016 10:10 am
Forum: Investing - Help with Personal Investments
Topic: First time investor, nervous about dropping $150.000 into the market
Replies: 8
Views: 1996

Re: First time investor, nervous about dropping $150.000 into the market

Why 80/20 stocks/bonds? All the sources (both books, robo advisor recommendations) agree that in my situation (young, good income, no responsibilities) this is the lower bound of risk, some even going to 90/10. This is not a good enough reason. You have to try to understand your emotional risk tole...
by pkcrafter
Fri Apr 22, 2016 9:09 am
Forum: Investing - Help with Personal Investments
Topic: Please help a Bogle Newbie Make Final Selections & Ratios
Replies: 37
Views: 1890

Re: Please help a Bogle Newbie Make Final Selections & Ratios

Desired Asset allocation: 70? stocks / 30? bonds

What has your AA been in the past? Were you ever stressed by volatility or losses?

Paul
by pkcrafter
Thu Apr 21, 2016 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: Entering the market: lump sum vs DCA vs tactical asset allocation
Replies: 19
Views: 1138

Re: Entering the market: lump sum vs DCA vs tactical asset allocation

As a personal investor with a finite time horizon, I don't want to lose half my savings because of unlucky timing. Ahh, you don't need unlucky timing. In fact, once in you can't avoid losses. The only thing you can do is limit those losses with asset allocation. And don't forget volatility is norma...
by pkcrafter
Wed Apr 20, 2016 8:36 pm
Forum: Investing - Help with Personal Investments
Topic: Financial Engines (Vanguard) tax exempt bond recommendation
Replies: 6
Views: 694

Re: Financial Engines (Vanguard) tax exempt bond recommendation

Quark wrote:Total bond market has a duration of 5.7 years. Half each of intermediate and long muni has an average duration of 5.6.

True, but performance of intermediate term tax exempt is very close to long term with a duration of 4.8.

Paul
by pkcrafter
Wed Apr 20, 2016 7:57 pm
Forum: Investing - Help with Personal Investments
Topic: management of accounts of less than $250,000 [advisor will no longer handle account]
Replies: 13
Views: 2108

Re: management of accounts of less than $250,000 [advisor will no longer handle account]

Tell him if he had done a better job, you would have 250k. :confused How much were they charging? A much better approach would have been to keep current customers and apply new limits to new investors. No, there is no law. This might be the best thing that's happened to you regarding investments. Paul
by pkcrafter
Wed Apr 20, 2016 7:15 pm
Forum: Investing - Help with Personal Investments
Topic: Financial Engines (Vanguard) tax exempt bond recommendation
Replies: 6
Views: 694

Re: Financial Engines (Vanguard) tax exempt bond recommendation

I've looked at that fund and it's a bit curious. While it has a good record against the muni long bond category and only lost about half of what the benchmark did in 2008, it has also had a few years where it's underperformed. Over 15 years, it's beaten the category by about half percent and matched...
by pkcrafter
Wed Apr 20, 2016 11:22 am
Forum: Investing - Theory, News & General
Topic: If past performance doesn't indicate future performance, why buy stocks?
Replies: 43
Views: 3970

Re: If past performance doesn't indicate future performance, why buy stocks?

You invest because you have faith in the capitalistic system, or even more fundamentally, you have faith in human endeavor, and that's about all you have to go on. This is also the reason why investing in the entire market is a very solid approach. But note, having faith doesn't guarantee anything, ...
by pkcrafter
Tue Apr 19, 2016 10:06 pm
Forum: Investing - Theory, News & General
Topic: What is "wrong" with having more funds in a portfolio?
Replies: 70
Views: 3548

Re: What is "wrong" with having more funds in a portfolio?

7006, it is obvious that you have put a lot of thought into this portfolio. My only constructive comments would be that all those bond funds with very low allocations aren't going to do much for you, so you could trim the number down. Finally be careful of tax-inefficient funds in a taxable account....
by pkcrafter
Tue Apr 19, 2016 8:09 pm
Forum: Investing - Theory, News & General
Topic: What is "wrong" with having more funds in a portfolio?
Replies: 70
Views: 3548

Re: What is "wrong" with having more funds in a portfolio?

7006 wrote: I like picking a few different funds within each category. This will likely drag down overall performance over time. And I'd guess you will have to replace a few funds each year, but if it works for you, that fine. But you asked a bunch of seasoned investors and they have given you their...
by pkcrafter
Tue Apr 19, 2016 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: HELP! HR Doesn't Believe in Index Funds for 401k
Replies: 64
Views: 5219

Re: HELP! HR Doesn't Believe in Index Funds for 401k

Agree with most everyone above - you're not likely to get far. But you could innocently say that you just want to help make sure that the Plan is in compliance with this SCOTUS ruling from 2014: <http://www.supremecourt.gov/opinions/14pdf/13-550_97be.pdf> ... then say no more. ! +1 I'm not sure tha...
by pkcrafter
Mon Apr 18, 2016 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: AA question? [Asset Allocation]
Replies: 4
Views: 529

Re: AA question?

85% stock is very risky for a 50yo, so it's a good to see you are adjusting it. Glad you found that article in the Wiki, it really is a fantastic resource. I guess for obvious reasons I'm a little more "attached" to the money in the taxable account. In other words, it bothers me more to se...
by pkcrafter
Mon Apr 18, 2016 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: fee only financial planner recomendation
Replies: 10
Views: 1032

Re: fee only financial planner recomendation

Take a look at Garrett Financial Planning Network--fee only, hourly.

http://www.garrettplanningnetwork.com/

Paul
by pkcrafter
Mon Apr 18, 2016 6:19 pm
Forum: Investing - Help with Personal Investments
Topic: MyRA - Good Way To Build Initial Investment?
Replies: 12
Views: 1004

Re: MyRA - Good Way To Build Initial Investment?

Another problem here is MyRA invests in short-term U.S. treasuries and it is very similar to the TSP G fund. That's good, but while it may teach your relative about saving, it isn't going to teach investing nor grow money over time. Having said that, I would not use a Schwab S&P500 fund because ...
by pkcrafter
Mon Apr 18, 2016 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: What expected % return should a longterm investor use?
Replies: 50
Views: 4546

Re: What expected % return should a longterm investor use?

I use 9% for my stock allocation and 4% for my bonds (I want to be conservative). Here is a Vanguard chart with various allocations: https://personal.vanguard.com/us/insights/saving-investing/model-portfolio-allocations Oh-oh, Nisiprius is going to have to comment on this one. Past returns... When ...
by pkcrafter
Mon Apr 18, 2016 9:24 am
Forum: Investing - Help with Personal Investments
Topic: $100,000 fell into my lap and I have no idea what to do
Replies: 14
Views: 3072

Re: $100,000 fell into my lap and I have no idea what to do

Welcome Anthony, it is important that you take some time to fully understand what you are going to do before making any moves. You wrote: But I do have two children, 22 and 18 and I'd like to invest the money for them. I'd appreciate any advice. Again, this is very generous, but you don't have any m...
by pkcrafter
Sun Apr 17, 2016 4:10 pm
Forum: Investing - Theory, News & General
Topic: Whole Life vs. Bonds - what am I missing? help please
Replies: 11
Views: 1443

Re: Whole Life vs. Bonds - what am I missing? help please

But the people giving me the pitch are good friends and true believers. Of course they are believers--they are trying to sell you an expensive product. Friends?? In your case it doesn't matter about the insurance, a long-standing rule is never invest with friends or relatives. It's a good recipe fo...
by pkcrafter
Sun Apr 17, 2016 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: HELP! HR Doesn't Believe in Index Funds for 401k
Replies: 64
Views: 5219

Re: HELP! HR Doesn't Believe in Index Funds for 401k

BolderBoy wrote:Agree with most everyone above - you're not likely to get far.

But you could innocently say that you just want to help make sure that the Plan is in compliance with this SCOTUS ruling from 2014:

<http://www.supremecourt.gov/opinions/14pdf/13-550_97be.pdf>

... then say no more.


! +1
by pkcrafter
Sat Apr 16, 2016 9:52 pm
Forum: Investing - Theory, News & General
Topic: Looking for an online tool that compares mutual fund/portfolios after expenses
Replies: 6
Views: 587

Re: Looking for an online tool that compares mutual fund/portfolios after expenses

Expense ratios have already been explained, but I would add that most company plans waive front-end loads.
I would agree that you should have some low cost index options.

Have you looked at the White Coat Investor site?

http://whitecoatinvestor.com/

Retiredjg's link is also very useful.

Paul
by pkcrafter
Sat Apr 16, 2016 9:38 pm
Forum: Investing - Theory, News & General
Topic: "Bogle's Folly"
Replies: 28
Views: 4548

Re: "Bogle's Folly"

Thanks Taylor, I've read very similar stories before and never get tired of reading them. Mr. Bogle's vision and remarkable unselfishness is a great gift to all investors-their fair share. The best thing investors can do is thankfully accept their gift and stop trying to find ways to diminish it. Paul
by pkcrafter
Sat Apr 16, 2016 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: HELP! HR Doesn't Believe in Index Funds for 401k
Replies: 64
Views: 5219

Re: HELP! HR Doesn't Believe in Index Funds for 401k

Betcha your company is holding one index fund just to stay in ERISA compliance. Also betcha your company is getting a kick-back from the fund provider.

Paul
by pkcrafter
Sat Apr 16, 2016 7:35 pm
Forum: Investing - Theory, News & General
Topic: The Problem with Raw Returns in a Backtest
Replies: 19
Views: 1958

Re: The Problem with Raw Returns in a Backtest

Thanks for the reminder, Rick. They seem to be needed frequently.

Paul
by pkcrafter
Sat Apr 16, 2016 9:21 am
Forum: Investing - Help with Personal Investments
Topic: Buy a house or Buy Stocks?
Replies: 8
Views: 1572

Re: Buy a house or Buy Stocks?

Not enough information. Is this an investment rental or will you live there? How long would you own it? What would rent be vs mortgage ? Whether a rental or for you to live in? I like owning the house I live in. But renting can make more sense, depending. lafder +1 A home should not count as an inv...
by pkcrafter
Fri Apr 15, 2016 9:23 pm
Forum: Investing - Theory, News & General
Topic: Investing legends change their bond portfolio
Replies: 29
Views: 4042

Re: Investing legends change their bond portfolio

I think this is exactly the kind of advice that causes investors to make emotional mistakes. Here are the "experts" telling us to sell bonds and buy stocks because it's really safer. Once I hear something like that, I stop listening.

Paul

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