Search found 35 matches

by rerod
Wed Jan 11, 2017 3:33 pm
Forum: Investing - Help with Personal Investments
Topic: tiaa/cref lazy portfolio
Replies: 33
Views: 5030

Re: tiaa/cref lazy portfolio

For my US equity portion, I did a 4 : 1 mix of VINIX and VEXMX, which is a reasonable proxy for the VG Total Stock market (VTSMX) but with a lower ER because VTSMX wasn't offered in my choices.
by rerod
Tue Jan 10, 2017 5:41 pm
Forum: Investing - Help with Personal Investments
Topic: The Exclusive Consumer Staple Fund
Replies: 8
Views: 1749

Re: The Exclusive Consumer Staple Fund

Instead of starting a new thread..

Would a combination of VCSAX , VTSAX, VTIAX and VTBLX be good choices for a simple 4 fund portfolio in a taxable account?

Thanks!
by rerod
Sat Jan 07, 2017 10:44 pm
Forum: Personal Consumer Issues
Topic: Buying a unicorn retirement house, before retirement.
Replies: 5
Views: 1228

Re: Buying a unicorn retirement house, before retirement.

We were looking for a house with a big kitchen and big garage plus a lot of land. Well, we bought our house without the big kitchen and no garage. I later built the garage and bought a shed. I like that Jack. I want a two post lift with 14' ceiling for my 4x4 So much could change in 10-13 years. Th...
by rerod
Sat Jan 07, 2017 8:09 pm
Forum: Personal Consumer Issues
Topic: Buying a unicorn retirement house, before retirement.
Replies: 5
Views: 1228

Buying a unicorn retirement house, before retirement.

For the last three years since my children moved out, Iv been searching for a smaller house with a huge tall garage but haven't found anything even close to what I want within my area. My current 1700 square foot four bedroom home sits on the bus line close to work at the U of I which saves me enoug...
by rerod
Sun Dec 25, 2016 11:38 pm
Forum: Investing - Theory, News & General
Topic: What phase of the business cycle are we in?
Replies: 9
Views: 1165

Re: What phase of the business cycle are we in?

the 70/30 I should be at According to whom? At age 45, many would say that you should be at 55% stocks, 45% bonds. Some would shift those percentages by 5%, 10%, or maybe 20% towards stocks, but I don't think you'll find universal consensus that you "should be at" 70/30. 70/30 according t...
by rerod
Sun Dec 25, 2016 9:05 pm
Forum: Investing - Theory, News & General
Topic: What phase of the business cycle are we in?
Replies: 9
Views: 1165

Re: What phase of the business cycle are we in?

Trying to change your investments based on your analysis is definitely market timing. Thanks guys, but I haven't changed anything. My financial advisor left me holding mutual funds I didn't understand after I questioned why he had me at 40/60 at the age of 45. Iv been stressed and struggling ever s...
by rerod
Sun Dec 25, 2016 6:30 pm
Forum: Investing - Theory, News & General
Topic: What phase of the business cycle are we in?
Replies: 9
Views: 1165

What phase of the business cycle are we in?

What phase of the business cycle are we in now? And how do you know? Iv read we are in the late phase because profits are stalling and rates are beginning to rise.. We know rates are rising because the fed announced and implemented them. And I also see equities dividends reducing. Is it market timin...
by rerod
Sat Apr 09, 2016 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: Is TLH too much work for you?
Replies: 32
Views: 3409

Re: Is TLH too much work for you?

If you think it's too much work, you don't understand how to do it No I don't.. At first TLHing sounded doable. But after reading all the disagreements, and how you have to make it meaningful and time it.. Its something I might read more about at work. But not today Does anyone have a link to a goo...
by rerod
Thu Apr 07, 2016 9:32 pm
Forum: Investing - Help with Personal Investments
Topic: Is TLH too much work for you?
Replies: 32
Views: 3409

Re: Is TLH too much work for you?

I had a eye opening example shown to me why holding bonds in taxable is a bad practice. I hope not TLH'ing, isn't as expensive. OT: Was it one that you discovered on this forum? Is there any chance that you could share it? Suppose that at the end of 2015 you had $10K cash in a tax deferred acct and...
by rerod
Thu Apr 07, 2016 12:40 pm
Forum: Investing - Help with Personal Investments
Topic: Is TLH too much work for you?
Replies: 32
Views: 3409

Re: Is TLH too much work for you?

I've decided that it is too much work for me, so I don't do it. I have a super simple 3 fund portfolio, I rebalance when it's out of whack by more than 5%, and I have an IPS statement that tells me where my glidepath should be. I do all those things "right," so I think that's good enough....
by rerod
Thu Feb 11, 2016 8:01 pm
Forum: Investing - Theory, News & General
Topic: What's wrong with VTIAX? [Vanguard Total International]
Replies: 66
Views: 14135

Re: What's wrong with VTIAX?

It appears soon VTIAX will go down to near $15.00 a share and be a great buy! It has done nothing but go down , since I owned it 1 1/2 years ago.... Iv owned a chunk since 2011 when it was mid twenty range.. If I owned a crystal ball , I would have sold it last june and got back in soon. Oh well.. ...
by rerod
Wed Feb 10, 2016 8:52 pm
Forum: Investing - Help with Personal Investments
Topic: VBTLX, where's the upside? [Vanguard Total Bond Market Index]
Replies: 17
Views: 8250

Re: VBTLX, where's the upside? [Vanguard Total Bond Market Index]

Where's the upside holding bonds bound to lose value with the imminent interest rate hike? A month like last month. :mrgreen:

Is VBTLX a good choice for fixed income in a taxable account?

Thanks
by rerod
Sat Jan 30, 2016 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: How is VTIAX performing? [Vanguard Total International Stock]
Replies: 54
Views: 13066

Re: How is VTIAX performing?

inbox788 wrote:VTIAX is performing excellent in tracking the intended index. It's the index that sucks.


I will agree to that! :beer
by rerod
Sat Jan 30, 2016 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: How is VTIAX performing? [Vanguard Total International Stock]
Replies: 54
Views: 13066

Re: How is VTIAX performing? [Vanguard Total International Stock]

Truly good investments often have to have a foul odor from time to time. That's true. But I'd have to add, a truly good investment you shouldn't have to time when to get out. Iv held vtiax for 5 years and if I needed it today, I would be SOL . No growth in 5 years. Im not selling. But not buying ei...
by rerod
Mon Jan 25, 2016 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: How is VTIAX performing? [Vanguard Total International Stock]
Replies: 54
Views: 13066

Re: How is VTIAX performing? [Vanguard Total International Stock]

Why is my VINEX outperforming my VTIAX? if you want to call it that..
by rerod
Thu Jan 21, 2016 10:28 pm
Forum: Investing - Help with Personal Investments
Topic: How is VTIAX performing? [Vanguard Total International Stock]
Replies: 54
Views: 13066

Re: How is VTIAX performing?

Thanks. Understood. But it seems like VG intentionally makes it look like you've taken a hit on your investment.

I guess if nothing else , you might be inclined to think that's fair value. Or was it over valued in 2011?
by rerod
Thu Jan 21, 2016 10:04 pm
Forum: Investing - Help with Personal Investments
Topic: How is VTIAX performing? [Vanguard Total International Stock]
Replies: 54
Views: 13066

Re: How is VTIAX performing?

Yeah, but I invested 43500 into it 2011. Today its worth $43,492.80. :oops:

Yet my "total gain/loss" is – $5,911.77 Why?
by rerod
Thu Jan 21, 2016 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: How is VTIAX performing? [Vanguard Total International Stock]
Replies: 54
Views: 13066

Re: How is VTIAX performing?

livesoft wrote:Maybe it paid out $10 per share in dividends since 2011?
But then again, maybe not?


I wish I knew how to check that. But what bothers me is on the cost basis page, it shows a red number under "total gain/loss"
by rerod
Thu Jan 21, 2016 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: How is VTIAX performing? [Vanguard Total International Stock]
Replies: 54
Views: 13066

Re: How is VTIAX performing?

Holy cow.. I bought and held this since 2011 for $26.26 per share. Now its $21.59 !

Can someone give me a bit of hope this fund might turn around by 2020? :D

I was thinking about buying some, along with VTSAX soon.
by rerod
Wed Jan 20, 2016 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: Cash-on-the-sidelines thread
Replies: 39
Views: 5418

Re: Cash-on-the-sidelines thread

Iv been holding almost half of my port in VBTLX . I had a lame adviser who kept mentioning China, four years ago! Its time that changes.. I hope that what ever low we drop to, will iron out most of the bubbles. Word is, Oil may bottom in the low 20's, but I wont wait that long. But not quite yet. I ...
by rerod
Fri Sep 04, 2015 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: Need advice please.
Replies: 13
Views: 1863

Re: Need advice please.

Thanks Lafder. I was hoping I would get specific portfolio recommendations from one or more of the CPAs, tax attorneys, and financial advisers on here. But it seems like the time Iv spent gathering and posting my entire financial picture hasn't had any results yet. What info haven't I included in my...
by rerod
Sun Aug 23, 2015 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: Need advice please.
Replies: 13
Views: 1863

Re: Need advice please.

OK as asked, I posted the funds and expense ratio's TIAA/CREF offers me in the first post.. But lately wondering if monday is a good time to get more aggressive with my vanguard taxable funds and buy more Vanguard Total Stock Market Index Fund with cash from VMMXX? I know bogleheads don't time the m...
by rerod
Thu Aug 06, 2015 8:54 am
Forum: Investing - Help with Personal Investments
Topic: Need advice please.
Replies: 13
Views: 1863

Re: Need advice please.

You said that the funds in the taxable account were inherited. If they were, then the cost basis for the funds should be their value on the day the previous owner died. For your retirement account through work, it would be helpful if you listed all the available funds (not just the ones you invest ...
by rerod
Sun Aug 02, 2015 6:44 pm
Forum: Investing - Help with Personal Investments
Topic: Need advice please.
Replies: 13
Views: 1863

Need advice please.

Hello everyone. Iv lurked here for a few years and now finally spent the day writing this because iv never felt so, misallocated in the past. 19 months of emergency funds $0 Debt Single tax status. Children are adults 25% federal 7.9% state tax rate Iowa state of residence Age: 50 Desired Asset allo...
by rerod
Thu Jul 30, 2015 10:08 am
Forum: Investing - Help with Personal Investments
Topic: tiaa/cref lazy portfolio
Replies: 33
Views: 5030

Re: tiaa/cref lazy portfolio

American Funds Capital Income Builder Fund Class R6 American Funds Capital World Growth and Income Fund - R6 American Funds EuroPacific Growth Fund - R6 American Funds Fundamental Investors Fund Class R6 American Funds Growth Fund of America - R6 American Funds New Perspective R6 American Funds Wash...
by rerod
Thu Jul 30, 2015 7:40 am
Forum: Investing - Help with Personal Investments
Topic: tiaa/cref lazy portfolio
Replies: 33
Views: 5030

Re: tiaa/cref lazy portfolio

I think I might have a 50/50 port I can live with now.. VINIX .04% ER, Vanguard Institutional Idx 20% VEXMX .08% ER, Vanguard Extended Market Idx 5% VTMGX .07% ER, Vanguard Developed Markets Idx 20% TEQLX .23% ER, TIAA-CREF Emerging Markets Eq Idx 5% ============ TIAA traditional 25% QCBMIX .37% ER,...
by rerod
Wed Jul 29, 2015 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: tiaa/cref lazy portfolio
Replies: 33
Views: 5030

Re: tiaa/cref lazy portfolio

I love the idea of using TIAA Real Estate, but only if you're intending to market time it. Search here for "TREA". (And if you are, in fact, willing to be attentive and market time it, I have no objection to using a lot of it.) . The only timing I can pull off is after a correction, and g...
by rerod
Wed Jul 29, 2015 3:20 pm
Forum: Investing - Help with Personal Investments
Topic: tiaa/cref lazy portfolio
Replies: 33
Views: 5030

Re: tiaa/cref lazy portfolio

Why someone would pay 37 basis points for simplicities sake is beyond my comprehension ? Just some friendly suggestions. . . Good luck. That's is a great question about cref stock JRA. And thanks for your cheaper fund suggestions for the equities half of my portfolio. I had no idea, and still have ...
by rerod
Wed Jul 29, 2015 1:58 pm
Forum: Investing - Help with Personal Investments
Topic: tiaa/cref lazy portfolio
Replies: 33
Views: 5030

Re: tiaa/cref lazy portfolio

If you want to start playing around and saving at the margins on your ER, use a combination of the TIAA-CREF Equity Index Fund Institutional Class for domestic stocks (ER .05) and a combination of the TIAA-CREF International Equity Index Fund Institutional Class (ER .06) and the TIAA-CREF Emerging ...
by rerod
Sun Jul 19, 2015 9:03 am
Forum: Investing - Help with Personal Investments
Topic: tiaa/cref lazy portfolio
Replies: 33
Views: 5030

Re: tiaa/cref lazy portfolio

What are each of the expense ratios? They vary substantially by employer plan. In my R3 plan the index funds have ERs comparable to Vanguard. I added the expense ratios sawhorse.. I like the TIAA Real Estate fund, but I am not sure why you are including it as fixed income. Ralph That's a good point...
by rerod
Sat Jul 18, 2015 9:09 pm
Forum: Investing - Help with Personal Investments
Topic: tiaa/cref lazy portfolio
Replies: 33
Views: 5030

tiaa/cref lazy portfolio

Hello everyone. One of these days I will answer all the questions when asking for portfolio advice. Its complicated.. But this question doesn't ask percentages. Only, which mutual funds. I allowed the Ibbotson calculator to decide which tiaa/cref funds to invest in 3 months ago. But its to cumbersom...
by rerod
Sat Jul 18, 2015 8:33 pm
Forum: Investing - Theory, News & General
Topic: TIAA-CREF and Vanguard funds - any extra fees ?
Replies: 9
Views: 2016

Re: TIAA-CREF and Vanguard funds - any extra fees ?

I'm not happy with what the Ibbotson calculator suggested for me after looking at higher ER's in my tiaa/cref retirement account. I'm trying to decide which funds for a 3 or 4 fund lazy portfolio. But am I reading this right? There may be additional charges , other than the ER stated on the web site...
by rerod
Mon Mar 30, 2015 8:10 pm
Forum: Investing - Theory, News & General
Topic: Bernanke's Blog: why are interest rates so low?
Replies: 52
Views: 8741

Re: Bernanke's Blog: why are interest rates so low?

Great read! I've been thinking for awhile that people may be underwhelmed by what happens when the Fed eventually does increase interest rates (probably sometime later this year). Sure, short-term interest rates will rise. Money markets will probably yield a little more. But that's about it . Inter...
by rerod
Thu Jul 31, 2014 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Fund Question
Replies: 30
Views: 4207

Re: Bond Fund Question

rerod: let's put the slide / volatility / what have you of VBTLX in perspective. Morningstar says, total return of VBTLX from 12/15/2012 (one guess for "late last year") thru yesterday is -1.04%. If I play around with a start date "last fall" it can be as low as -1.24%. By bond ...
by rerod
Wed Jun 05, 2013 10:24 am
Forum: Investing - Help with Personal Investments
Topic: Bond Fund Question
Replies: 30
Views: 4207

Re: Bond Fund Question

AAA, The GOOD thing about interest rates being so low is that it has forced people to examine the fixed income part of their portfolios. For too many years, many concentrated on the equity side of things and spent very little time learning about fixed income. Granted, fixed income would not be expe...