Search found 77 matches

by spdoublebass
Sat Jun 24, 2017 2:36 pm
Forum: Investing - Theory, News & General
Topic: Ultimate Buy and Hold - 8 slices vs 4
Replies: 708
Views: 290289

Re: Ultimate Buy and Hold - 8 slices vs 4

Thank you dbr!!!
Great information.
by spdoublebass
Sat Jun 24, 2017 2:14 pm
Forum: Investing - Theory, News & General
Topic: Ultimate Buy and Hold - 8 slices vs 4
Replies: 708
Views: 290289

Re: Ultimate Buy and Hold - 8 slices vs 4

I have a question regarding the 8 slices vs 4. I understand the 4 slices would be LB, SCV, Int. V, Int. Small Cap, all at 25% each. This would have you 50/50 with US/INT. Could you change that ratio? Say 70/30 US/INT making the 4 slices 35% LB, 35% SCV, 15% INT VAL, 15% INT Small Cap I'm just curiou...
by spdoublebass
Sat Jun 24, 2017 2:05 am
Forum: Investing - Theory, News & General
Topic: Anything wrong with 100% US Stocks?
Replies: 31
Views: 1528

Re: Anything wrong with 100% US Stocks?

I hold VT (Vanguard World Stock Fund) which is basically 55% US/45% International. It just makes sense to me for many reasons; Broad diversification, 7,800 stocks, exposure to all parts of the world, no home country bias, etc. However, I do get nervous sometimes when I hear Bogle and Buffett discus...
by spdoublebass
Fri Jun 23, 2017 8:47 pm
Forum: Investing - Theory, News & General
Topic: Anyone have a habit of checking the market all day?
Replies: 38
Views: 1986

Re: Anyone have a habit of checking the market all day?

Maybe its because Im a young investor but I find myself checking the market everyday once it opens and periodically throughout the day. I get excited when it goes even by pennies and upset when it goes down.. I have a 3 fund and I really should be taking a set it and forget it approach.. Or at leas...
by spdoublebass
Fri Jun 23, 2017 3:53 am
Forum: Investing - Theory, News & General
Topic: Ultimate Buy and Hold - 8 slices vs 4
Replies: 708
Views: 290289

Re: Ultimate Buy and Hold - 8 slices vs 4

Cb474 I agree 100%. I was just pointing out that it's the volume that makes me not want VYMI.
by spdoublebass
Fri Jun 23, 2017 3:15 am
Forum: Investing - Theory, News & General
Topic: Ultimate Buy and Hold - 8 slices vs 4
Replies: 708
Views: 290289

Re: Ultimate Buy and Hold - 8 slices vs 4

You could theoretically do this now with Vanguard index funds if you consider VIHAX (International High Yield) as a proxy for ILV. So, you could go 25 VTSAX (LC) / 25 VSIAX (SCV) / 25 VIHAX (ILV) / 25 VFSVX (IS). If they would ever get rid of that ridiculous purchase fee (load) of 25 bps for VIHAX,...
by spdoublebass
Thu Jun 22, 2017 1:43 pm
Forum: Investing - Help with Personal Investments
Topic: Simplicity is beautiful.
Replies: 32
Views: 5584

Re: Simplicity is beautiful.

I wanted to revive this thread. Simplicity is beautiful when I think about my portfolio. I am thankful for the collective wisdom of bogleheads. The wisdom I learned from here over the years has protected me from the predatory "noise" we are constantly bombarded with when it comes to inves...
by spdoublebass
Tue Jun 20, 2017 1:05 pm
Forum: Investing - Help with Personal Investments
Topic: Which fund for Solo 401K
Replies: 15
Views: 758

Re: Which fund for Solo 401K

I have 7 figure solo 401k. I would love to have it at vanguard, but I'm not paying 0.15% for a total US stock fund while any other account at vanguard allows admiral shares 0.04% for 10k minimum. Hence, I have my solo401k at TDA. At least for the OP since he chose vanguard as his solo 401k provider...
by spdoublebass
Tue Jun 20, 2017 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: Which fund for Solo 401K
Replies: 15
Views: 758

Re: Which fund for Solo 401K

I would never hold anything other than a life strategy or TR fund in a Vanguard i401k. Imagine when you have 500k+ in total US stock market yet you are paying 0.15%. At least with LS and TR funds you are getting a value added service. Regards, John Most LS and TR's are .15 or .16. The range right n...
by spdoublebass
Mon Jun 19, 2017 10:27 pm
Forum: Investing - Help with Personal Investments
Topic: Which fund for Solo 401K
Replies: 15
Views: 758

Re: Which fund for Solo 401K

I would just pick one of the funds I already hold in the Roth IRA. This might be the one with the smallest Investor-class ER or perhaps more sensibly the one with the smallest difference between Admiral and Investor shares. Or, if you didn't elect the Roth option for the Solo 401k, decide by consid...
by spdoublebass
Mon Jun 19, 2017 8:00 pm
Forum: Investing - Help with Personal Investments
Topic: Which fund for Solo 401K
Replies: 15
Views: 758

Re: Quick question

gkaplan wrote:OP, you would likely get more responses to your question if you edit your thread title to indicate your specific question.


Changed. Thanks
by spdoublebass
Mon Jun 19, 2017 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: Which fund for Solo 401K
Replies: 15
Views: 758

Re: Quick question

If you only have a Roth IRA and a 401(k), then I would pick a LifeStrategy fund in the 401(k) and not use 4-fund in Roth. In essence, I don't think your question can have a quick answer. I don't have a Vanguard solo 401(k), but if you have to pay $20 a year, what's up with that? Will that go away w...
by spdoublebass
Mon Jun 19, 2017 11:54 am
Forum: Investing - Help with Personal Investments
Topic: Which fund for Solo 401K
Replies: 15
Views: 758

Re: Quick question

Wellington is a great fund, but it is actively managed. For a one fund solution, total stack market is fine if you have other accounts to complete your aa. You might also consider a target retirement fund or lifestrategy fund. Those go more along the bogleheads philosophy than Wellington, but there...
by spdoublebass
Mon Jun 19, 2017 11:31 am
Forum: Investing - Help with Personal Investments
Topic: Which fund for Solo 401K
Replies: 15
Views: 758

Which fund for Solo 401K

I know this is a basic question, I'm just looking for confirmation that I am thinking clearly. I recently opened a Solo 401K. I have to pick a fund, I'd like to stick with one fund because Vanguard charges $20 per fund. Also, I'm not dealing with huge amounts of money in this account. At first I was...
by spdoublebass
Sun Jun 18, 2017 10:01 pm
Forum: Investing - Help with Personal Investments
Topic: What Is The Right Amount For An Emergency Fund?
Replies: 27
Views: 2449

Re: What Is The Right Amount For An Emergency Fund?

For myself it is 3 months worth and I can't believe how much better I feel having that amount. I've always heard I should have one and never did. Then, even when I started saving one, it was instant peace of mind. As stated above, I am also curious where people put their ER if it is over a years wor...
by spdoublebass
Fri Jun 16, 2017 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement portfolio help
Replies: 15
Views: 1222

Re: Retirement portfolio help

Note:
VBR is Not Vanguard REIT index it is Vanguard Small Cap Value etf.
by spdoublebass
Tue Jun 13, 2017 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: Help calculating max solo-401k contribution
Replies: 4
Views: 257

Re: Help calculating max solo-401k contribution

Your 403B doesn't have anything to do with your 401K as I understand it. I have a 403B through my job with teaching as a university and my self employed income (which is 1099) I use to fund my solo 401K. You have a misunderstanding, DSInvestor is correct. There are two possible interactions between...
by spdoublebass
Tue Jun 13, 2017 5:55 pm
Forum: Investing - Help with Personal Investments
Topic: Help calculating max solo-401k contribution
Replies: 4
Views: 257

Re: Help calculating max solo-401k contribution

I'm NOT an authority in this forum, but I do know a little about this topic. My sister also works for the IRS, so I get some info from her as well. I just recently sent in my paperwork for a solo 401K. I'm sure others will give you far better information.....but I'll try anyway. Your 403B doesn't ha...
by spdoublebass
Mon Jun 12, 2017 11:19 pm
Forum: Investing - Help with Personal Investments
Topic: Question on Solo 401K, with spouse
Replies: 2
Views: 177

Re: Question on Solo 401K, with spouse

1. Would I have to open up a another Solo 401K for my wife? So she can contribute her 1099 income to her own Solo 401K? You would each adopt your own one-participant 401k and contribute based on your net self-employment income (Schedule C net business profit - 1/2 Schedule SE tax). 2. Is there any ...
by spdoublebass
Mon Jun 12, 2017 10:48 pm
Forum: Investing - Help with Personal Investments
Topic: Question on Solo 401K, with spouse
Replies: 2
Views: 177

Question on Solo 401K, with spouse

I have read the Wiki and searched the forum, but I'm still a little confused on this topic. My wife and I are both musicians and our income is from multiple employers (orchestras). None of the orchestra's we currently work with offer a 401K (larger orchestra's do offer a 401K). We end up each having...
by spdoublebass
Sat Jun 10, 2017 10:34 pm
Forum: Investing - Help with Personal Investments
Topic: Let.s get serious here [need bond fund]
Replies: 12
Views: 2687

Re: Let.s get serious here !!!!!!!!!!!!!!!!!!!!!!!!!!!!

dwickenh wrote:I currently have a 50/50 split between total bond and Intermediate corporate.

Dan


May I ask why the split between Total Bond and Intermediate corporate? I'm just curious as to what the advantages are of Int. Corp. bonds. Just trying to to learn more.

Thanks
by spdoublebass
Thu Jun 01, 2017 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: IRA Index picks?
Replies: 23
Views: 1468

Re: IRA Index picks?

Vanguard says it's 19%. https://personal.vanguard.com/us/funds/snapshot?FundIntExt=INT&FundId=4430#tab=2 Wow. Morningstar has it at less. 1.95% Europe Emerging 5.62 Asia Emerging. I've always been interested in this ETF, but most posts in this forum slam it for being too new, not enough volume,...
by spdoublebass
Thu Jun 01, 2017 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: AA Across Multiple Accounts.
Replies: 6
Views: 423

Re: AA Across Multiple Accounts.

In my opinion you are being far too complicated for a beginner, just starting your three accounts. Possibly, but I'm 33 and my wife 40, and each of these accounts serves a purpose. I'm going to max out my Roth IRA, so I thought we'd open one for her. We have 1099 income....If I write that off inste...
by spdoublebass
Thu Jun 01, 2017 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: AA Across Multiple Accounts.
Replies: 6
Views: 423

Re: AA Across Multiple Accounts.

[quote="ruralavalon"]In my opinion you are being far too complicated for a beginner, just starting your three accounts. Possibly, but I'm 33 and my wife 40, and each of these accounts serves a purpose. I'm going to max out my Roth IRA, so I thought we'd open one for her. We have 1099 incom...
by spdoublebass
Thu Jun 01, 2017 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: AA Across Multiple Accounts.
Replies: 6
Views: 423

AA Across Multiple Accounts.

I'm asking these questions looking forward. I recently have posted in this forum and posted my stats in the typical format etc... I have broader questions at this time regarding multiple accounts. - Currently my wife and I only have a Roth IRA in my name. We are close to maxing out my Roth IRA for t...
by spdoublebass
Thu Jun 01, 2017 4:09 am
Forum: Investing - Help with Personal Investments
Topic: IRA Index picks?
Replies: 23
Views: 1468

Re: IRA Index picks?

John, VYMI hold 19% in EM Not saying you're wrong, but where did you find that stat? I thought it was more like 7%. I could be wrong though. Vanguard says it's 19%. https://personal.vanguard.com/us/funds/snapshot?FundIntExt=INT&FundId=4430#tab=2 Wow. Morningstar has it at less. 1.95% Europe Eme...
by spdoublebass
Wed May 31, 2017 10:37 pm
Forum: Investing - Help with Personal Investments
Topic: IRA Index picks?
Replies: 23
Views: 1468

Re: IRA Index picks?

bsdsecprof wrote:
John, VYMI hold 19% in EM



Not saying you're wrong, but where did you find that stat?
I thought it was more like 7%. I could be wrong though.
by spdoublebass
Mon May 29, 2017 9:07 pm
Forum: Investing - Help with Personal Investments
Topic: One Last Beginner Question Regarding Bonds
Replies: 26
Views: 2155

Re: One Last Beginner Question Regarding Bonds

I'd second the recommendation for Swedroe's book. Personally, almost all my fixed income is in non-bonds (a cash-balance pension and a stable value fund, and down the road I am planning to use a lot of the TSP's G Fund). I have a small allocation to TIPs, but no nominal bonds. However, if I wasn't ...
by spdoublebass
Mon May 29, 2017 8:15 pm
Forum: Investing - Help with Personal Investments
Topic: One Last Beginner Question Regarding Bonds
Replies: 26
Views: 2155

Re: One Last Beginner Question Regarding Bonds

Beensabu wrote:These are a couple books I have seen repeatedly recommended here that you may find helpful:

The Only Guide to a Winning Bond Strategy You'll Ever Need: The Way Smart Money Preserves Wealth Today

~ Larry Swedroe and Joseph Hempen

The Bond Book

~ Annette Thau



Thanks!!!!!!!
by spdoublebass
Mon May 29, 2017 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: What happens after you max out your Roth IRA Limit?
Replies: 6
Views: 1253

Re: What happens after you max out your Roth IRA Limit?

So, if I understand this correctly, the 403b and the Solo 401K are basically the same thing. If so I would prefer the Solo 401K over the other because I do not know how long I'll be teaching there etc. Also, I'll always be filing a schedule C. I would also prefer to stay with Vanguard. Sorta but no...
by spdoublebass
Mon May 29, 2017 7:06 pm
Forum: Investing - Help with Personal Investments
Topic: One Last Beginner Question Regarding Bonds
Replies: 26
Views: 2155

Re: One Last Beginner Question Regarding Bonds

My two cents: I'd consider owning a LESS diverse set of U.S. bonds than BND. This is based on the theory bonds are risk-management tools and you only want to buy the tools that help you accomplish your goals. But I wouldn't consider adding other U.S. bond funds to BND. That to me is going in the wr...
by spdoublebass
Mon May 29, 2017 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: One Last Beginner Question Regarding Bonds
Replies: 26
Views: 2155

Re: One Last Beginner Question Regarding Bonds

I would suggest sticking with what you have. You don't know why the alternatives may be good choices. None of us know what the next crash will be like. Your portfolio is good enough. You seem to be planning for a crash and yet you have an 80/20 stock bond portfolio with a size & value tilt. Per...
by spdoublebass
Mon May 29, 2017 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: One Last Beginner Question Regarding Bonds
Replies: 26
Views: 2155

Re: One Last Beginner Question Regarding Bonds

I do not like VGLT. Non-correllative to stocks is good but almost as risky. That is not what I want from a bond fund. I like the second one better but honestly you would be fine with 20% BND or 20% VGIT. Thanks. I'm realizing that's probably the best option. The only reason I gave it any thought is...
by spdoublebass
Mon May 29, 2017 5:55 pm
Forum: Investing - Help with Personal Investments
Topic: One Last Beginner Question Regarding Bonds
Replies: 26
Views: 2155

Re: One Last Beginner Question Regarding Bonds

You might take a look at Intermediate Treasury (VFIUX) or Intermediate Government (VSIGX) for that purpose. Intermediate Treasury returned 13% in '08. Of course, no guarantee it will do that in the next bear market. I'm not trying to beat a dead horse with this issue. -I understand BND Total Bond M...
by spdoublebass
Mon May 29, 2017 3:59 pm
Forum: Investing - Help with Personal Investments
Topic: Asking for help/ideas for my Father's retirement fund
Replies: 33
Views: 1232

Re: Asking for help/ideas for my Father's retirement fund

Just an update that I hope might give you a laugh on this Holiday. Last night my father had a beer, looked at me and said "Oh, I think I might have something else too. Some sharing thing I don't know." Turns out he has another $100K in profit sharing at work. I rolled my eyes and had to la...
by spdoublebass
Sat May 27, 2017 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: Asking for help/ideas for my Father's retirement fund
Replies: 33
Views: 1232

Re: Asking for help/ideas for my Father's retirement fund

livesoft wrote:Let me ask a question that should be easy to answer:

Should he invest in a 0.5% savings account or an account that pays about 3% interest?


The account that pays 3%.
by spdoublebass
Sat May 27, 2017 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: Asking for help/ideas for my Father's retirement fund
Replies: 33
Views: 1232

Re: Asking for help/ideas for my Father's retirement fund

I agree that if he want to invest in equities, then open an IRA, but not a Roth IRA. A problem is meeting the initial minimum purchase at Vanguard ... except that is not really a problem because he can use some of his emergency fund money to do the initial purchase. Also, since he is older than 59....
by spdoublebass
Sat May 27, 2017 4:12 pm
Forum: Investing - Help with Personal Investments
Topic: Asking for help/ideas for my Father's retirement fund
Replies: 33
Views: 1232

Re: Asking for help/ideas for my Father's retirement fund

By "where," do you mean 1) what type of investment (stocks, bonds, cash) or 2) what custodian for the investment (Vanguard, Schwab, Fidelity, etc.) or 3) type of account (taxable, Roth IRA, traditional IRA, 401(k))? #3. Type of account. The others I understand. I have no knowledge of what...
by spdoublebass
Sat May 27, 2017 3:55 pm
Forum: Investing - Help with Personal Investments
Topic: Asking for help/ideas for my Father's retirement fund
Replies: 33
Views: 1232

Re: Asking for help/ideas for my Father's retirement fund

They will add $12 if he puts in $48. If he puts in more then 48 (which he is doing, he's putting in $200 a week) they still only put the $12 in. He makes around 1200 a week. This is not good I know, but all they offer. Putting it in the correct percentages: If he contributes 4%, they contribute 1%....
by spdoublebass
Sat May 27, 2017 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: Asking for help/ideas for my Father's retirement fund
Replies: 33
Views: 1232

Re: Asking for help/ideas for my Father's retirement fund

They match 1% of 4% of his salary. So if he makes 1200 a week, 4% would be $48, they put in $12. That's the max, even though he is putting in $200 a week, they only match the 1% of 4% of his salary. So even though he puts in $200 a week, they still only match the $12. Are you certain about this? I ...
by spdoublebass
Sat May 27, 2017 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: Asking for help/ideas for my Father's retirement fund
Replies: 33
Views: 1232

Re: Asking for help/ideas for my Father's retirement fund

They match 1% of 4% of his salary. So if he makes 1200 a week, 4% would be $48, they put in $12. That's the max, even though he is putting in $200 a week, they only match the 1% of 4% of his salary. So even though he puts in $200 a week, they still only match the $12. Are you certain about this? I ...
by spdoublebass
Sat May 27, 2017 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: Asking for help/ideas for my Father's retirement fund
Replies: 33
Views: 1232

Re: Asking for help/ideas for my Father's retirement fund

I guess maybe it is 2.1% which is a decent fixed income rate. Yeah I meant 2.1%. Although Livesoft found it through a search as higher, I can't find the fund online. I have a statement here that year to date has been .52% I'm still confused as to where he should invest, the 401K he currently has or...
by spdoublebass
Sat May 27, 2017 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: Asking for help/ideas for my Father's retirement fund
Replies: 33
Views: 1232

Re: Asking for help/ideas for my Father's retirement fund

... where you can get over 1% interest on 1-yr CDs.) Would he be comfortable with an on-line bank/CU? Would he like to start with a 1+% savings account at Ally Bank to get used to online banking? bankrate.com shows rates from 6 months to 7 years for CDs. You could also call around to local banks an...
by spdoublebass
Sat May 27, 2017 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: Asking for help/ideas for my Father's retirement fund
Replies: 33
Views: 1232

Re: Asking for help/ideas for my Father's retirement fund

A web search shows that the Nationwide FXD SEL OPTN is not a money market fund, but is a fixed annuity paying 3.1% in the second quarter of 2017. If your father does not want to take any risk, then this investment is OK for him. What kind of income will he get in retirement? Social Security? Pensio...
by spdoublebass
Sat May 27, 2017 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: Asking for help/ideas for my Father's retirement fund
Replies: 33
Views: 1232

Re: Asking for help/ideas for my Father's retirement fund

Your father is investing as conservatively as possible right now, by having all his money in a money market fund. So if "conservative as possible" is really his goal, then he shouldn't change anything. As conservative as possible isn't consistent with having any stocks or bonds. So the is...
by spdoublebass
Sat May 27, 2017 1:11 pm
Forum: Investing - Help with Personal Investments
Topic: Asking for help/ideas for my Father's retirement fund
Replies: 33
Views: 1232

Asking for help/ideas for my Father's retirement fund

Just to be up front, my father is a very conservative man. Very frugal, knows how to stretch a dollar. I have recently opened a Roth Ira for myself and learned a lot, but still do not know very much. My father and I were talking and he was sharing with me his 401K information. Here is his info and q...
by spdoublebass
Fri May 26, 2017 11:13 pm
Forum: Investing - Help with Personal Investments
Topic: What happens after you max out your Roth IRA Limit?
Replies: 6
Views: 1253

Re: What happens after you max out your Roth IRA Limit?

spdoublebass, welcome to the forum! You can contribute up to 18k to the university’s 403b plan from your university employment. We would need to know more about the plan to know if that was a good idea. What are the funds you can select from, and what are their expense ratios? Are there any other f...
by spdoublebass
Fri May 26, 2017 10:29 pm
Forum: Investing - Help with Personal Investments
Topic: What happens after you max out your Roth IRA Limit?
Replies: 6
Views: 1253

What happens after you max out your Roth IRA Limit?

I recently opened a Roth IRA through Vanguard. This forum has been great with helping me through that process. When I opened the account I really did not think we would max it out this year, but it's looking like we might be able to do so. We are both professional musicians and self employed at this...
by spdoublebass
Sun May 21, 2017 10:07 pm
Forum: Investing - Help with Personal Investments
Topic: One Last Beginner Question Regarding Bonds
Replies: 26
Views: 2155

Re: One Last Beginner Question Regarding Bonds

For 20% of your portfolio, BND is fine and anything you add would probably not make a significant difference. That said, I would recommend reading a good book on different types of bonds. They all have a place depending on your needs. I had good luck with Larry Swedroe's Only Winning Bond Strategy....
by spdoublebass
Sun May 21, 2017 3:39 pm
Forum: Investing - Help with Personal Investments
Topic: One Last Beginner Question Regarding Bonds
Replies: 26
Views: 2155

Re: One Last Beginner Question Regarding Bonds

The more I look at 2008, BND Total bond market performed just fine. I think I'll opt to just keep it simple and go with that one fund.

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