Search found 8 matches

by swolesavage
Fri May 12, 2017 5:35 pm
Forum: Investing - Help with Personal Investments
Topic: Help me quantify exactly how expensive AXA is.
Replies: 9
Views: 4334

Re: Help me quantify exactly how expensive AXA is.

Stay away from AXA! I was with AXA before moving my funds to low cost index funds. They were charging me 1.5% on top of the cost of the investments they put me in. They had me in an American funds with 5 3/4 load which is basically a 60/40 which I can do myself. The crazy thing was that they put a b...
by swolesavage
Mon Apr 24, 2017 9:09 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Advice new member 30 years old
Replies: 11
Views: 1931

Re: Investment Advice new member 30 years old

I actually currently hold international ETF's in the iShares Core MSCI EAFE ETF IEFA Foreign large blend 8% and iShares Core MSCI Emerging Markets ETF IEMG 10% of my holding currently. They seem to be doing well and are diversified. That would make me 18% international. Or should I put all that mone...
by swolesavage
Sat Apr 22, 2017 8:07 am
Forum: Investing - Help with Personal Investments
Topic: Investment Advice new member 30 years old
Replies: 11
Views: 1931

Re: Investment Advice new member 30 years old

Having an international allocation is a personal preference. Vanguard has found between 20% and 40% of stocks in international to be the "sweet spot" when providing diversification. See the Vanguard paper link and the discussion Thanks for the links. I see it would be a good diversification for my ...
by swolesavage
Fri Apr 21, 2017 11:17 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Advice new member 30 years old
Replies: 11
Views: 1931

Re: Investment Advice new member 30 years old

Her rollover IRA at Schwab: SWTSX 1% Her Roth IRA: SWTSX 1% His rollover IRA: IEFA 8% IEMG 10% IJH 13% UESG 14% IUSV 11% IWM 4% VTI 21% SWRSX 3% SWAGX 3% His Roth IRA: SWPPX 2% SWSSX 1% SWTSX 8% =100% Had to figure that out. I know I still need to sell the ETF's. Any other suggestions other than the...
by swolesavage
Fri Apr 21, 2017 11:54 am
Forum: Investing - Help with Personal Investments
Topic: Investment Advice new member 30 years old
Replies: 11
Views: 1931

Re: Investment Advice new member 30 years old

Thanks for explaining that. When selling my other ETF's is it better for me to just sell at market price to get rid of it or should I try to use limit orders to get a better price? Not sure if I want to sell all the ETF's at least the ones with low expense ratios to see how they perform. Or would it...
by swolesavage
Thu Apr 20, 2017 7:49 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Advice new member 30 years old
Replies: 11
Views: 1931

Re: Investment Advice new member 30 years old

Aristotelian I sold the American Funds Balanced. Thank you. I think I will start 90/10 and adjust later. For what it's worth, I have SCHR (Intermediate Treasury ETF) as the main bond holding in my Roth. What is the advantage of SCHR? I don't have a good understanding of the bond market. Will he or s...
by swolesavage
Thu Apr 20, 2017 7:36 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Advice new member 30 years old
Replies: 11
Views: 1931

Re: Investment Advice new member 30 years old

Thank you for the response Duckie, Schwab has limited index funds/ETFs. If you stay at Schwab, for US stocks go with SWTSX or SCHB. For US bonds go with SWAGX or SCHZ. The problem is international. Schwab doesn't have a total international index fund. They have developed markets SWISX or SCHF, emerg...
by swolesavage
Mon Apr 17, 2017 7:38 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Advice new member 30 years old
Replies: 11
Views: 1931

Investment Advice new member 30 years old

Investing - Help with Personal Investments for 30 year old Emergency funds: Six months saved in money market account Debt: 1 car loan 0% and will be making last payment next month $410. Tax Filing Status: Married Filing Jointly with 1 dependent. Tax Rate: xx% 25,no state State of Residence: Florida ...