Search found 41 matches

by tchasteen
Sun May 07, 2017 8:30 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Institutional Index Fund Institutional Shares - Lacking Small and Mid-Cap
Replies: 17
Views: 1543

Re: Vanguard Institutional Index Fund Institutional Shares - Lacking Small and Mid-Cap

I just finished getting the 457 all set up with the 82-18 percentages. I appreciate it gentleman! :beer
by tchasteen
Sat Apr 22, 2017 1:54 pm
Forum: Investing - Help with Personal Investments
Topic: Periodic Investing and Wanting the Market to Drop
Replies: 28
Views: 3268

Re: Periodic Investing and Wanting the Market to Drop

Onourway, Wow! Thanks for the visualization. That is really eye-opening and the way you explained it was extremely helpful, I really appreciate you taking the time to share that with me. Thanks nisiprius, it was Warren Buffet's hamburger analogy that actually pushed me to ask this question, glad to ...
by tchasteen
Sat Apr 22, 2017 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Institutional Index Fund Institutional Shares - Lacking Small and Mid-Cap
Replies: 17
Views: 1543

Re: Vanguard Institutional Index Fund Institutional Shares - Lacking Small and Mid-Cap

NiceUnparticularMan and MotoTrojan,

The two options offered to me are Vanguard Institutional Index (VIIIX) and Vanguard Small-Cap Index (VSCPX). So if using a percentage of those two could get me close to TSM, I would be happy to do that for the simplicity of it!

Thanks for your help.
by tchasteen
Sat Apr 22, 2017 1:31 pm
Forum: Investing - Help with Personal Investments
Topic: Timing Assets Within Your Portfolio
Replies: 14
Views: 1371

Re: Timing Assets Within Your Portfolio

Thanks Artisan, that's going on my fridge as well.

Very good point NiceUnparticular Man.
by tchasteen
Fri Apr 21, 2017 5:59 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Institutional Index Fund Institutional Shares - Lacking Small and Mid-Cap
Replies: 17
Views: 1543

Re: Vanguard Institutional Index Fund Institutional Shares - Lacking Small and Mid-Cap

Thanks folks, My 457 (like a 401k) fund only offers the Vanguard Institutional Index Fund and a Small-Cap, however, I can invest in the extended market fund through my Vanguard Roth IRA. When you folks start talking about tilting toward or away from small-cap or small growth, it's a bit over my head...
by tchasteen
Fri Apr 21, 2017 5:51 am
Forum: Investing - Help with Personal Investments
Topic: Periodic Investing and Wanting the Market to Drop
Replies: 28
Views: 3268

Re: Periodic Investing and Wanting the Market to Drop

Thanks everyone, I understand it better now and it seems I'm right in thinking that it isn't always necessarily always a good thing. The examples provided show it certainly can be, especially over longer periods of time. In summary, sometimes it helps because when you purchase shares at a lower pric...
by tchasteen
Fri Apr 21, 2017 5:36 am
Forum: Investing - Help with Personal Investments
Topic: Quick Dividend Automatic Reinvesting Question
Replies: 6
Views: 727

Re: Quick Dividend Automatic Reinvesting Question

Thanks Bertilak and Alex,

I hadn't realized that dividends were not included in total value of the market.

I appreciate the link Derby!
by tchasteen
Wed Apr 19, 2017 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Institutional Index Fund Institutional Shares - Lacking Small and Mid-Cap
Replies: 17
Views: 1543

Re: Vanguard Institutional Index Fund Institutional Shares - Lacking Small and Mid-Cap

I appreciate the tip on changing the title to the full name.

So using that link I found:

81% Vanguard 500 Index Fund (VFINX)
19% Vanguard Extended Market Index Fund (VEXMX)

Is VFINX essentially the same as VINIX, so I need 81% VINIX and 19% VEXMX to represent the total market?
by tchasteen
Wed Apr 19, 2017 5:28 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Institutional Index Fund Institutional Shares - Lacking Small and Mid-Cap
Replies: 17
Views: 1543

Vanguard Institutional Index Fund Institutional Shares - Lacking Small and Mid-Cap

Hi all,

I've done some research and have been informed that the VINIX (which I'm planning on investing heavily in) is lacking small and mid-cap by a few percent points. Can you point me in the right direction on balancing my portfolio regarding large, mid, and small-cap?

Thanks,
Tim
by tchasteen
Wed Apr 19, 2017 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: Periodic Investing and Wanting the Market to Drop
Replies: 28
Views: 3268

Periodic Investing and Wanting the Market to Drop

Hello, I have read countless times that if you are routinely and periodically investing in a market that you should be happy when that market drops because you start to get shares at a cheaper price. I struggle to wrap my head around that philosophy and am hoping for your help to understand it. I ra...
by tchasteen
Wed Apr 19, 2017 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: Timing Assets Within Your Portfolio
Replies: 14
Views: 1371

Timing Assets Within Your Portfolio

Hello, What am wondering is if I have a portfolio made up of US Stocks, International Stocks, and REITs, would it be wise to strategically invest in assets when they're "on sale" over keeping a perfectly balanced portfolio. For example right now the US Stocks are at an all-time high and in...
by tchasteen
Wed Apr 19, 2017 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: Quick Dividend Automatic Reinvesting Question
Replies: 6
Views: 727

Quick Dividend Automatic Reinvesting Question

Hi fellow BHs, Let's say I invest 25k in the S & P 500 at 2300 and over a 10 year period it goes through a huge crash (down to 700 let's say), rebounds and then ends at 2300. 1. Would my portfolio be worth 25k? 2. Would I be better off because although my portfolio is worth the same, I now own m...
by tchasteen
Thu Feb 16, 2017 7:13 pm
Forum: Investing - Help with Personal Investments
Topic: The 6 403b Companies Offered Where I Teach
Replies: 19
Views: 1342

Re: The 6 403b Companies Offered Where I Teach

pyld76 - I appreciate you giving me an order of operations. I'll get started with putting 18,000 in the 457 this year. I'm definitely going to put more time into researching Fidelity. I was a bit sold on Vanguard but many of you have opened my eyes to this a good competitor. Yes, a lot of things ar...
by tchasteen
Wed Feb 15, 2017 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: Recommended books and resources to fully understand how the world stock market works.
Replies: 36
Views: 2800

Re: Recommended books and resources to fully understand how the world stock market works.

Valuethinker - I appreciate your counterargument, my thoughts were leaning in that direction. So do you trust the next 50-60 years of progress enough to invest in the stock market for your retirement? Also thank you for your links and insight.
by tchasteen
Tue Feb 14, 2017 5:38 pm
Forum: Investing - Help with Personal Investments
Topic: Recommended books and resources to fully understand how the world stock market works.
Replies: 36
Views: 2800

Re: Recommended books and resources to fully understand how the world stock market works.

Well thank you for your time and feedback, I will certainly keep all of that in mind when considering adding rentals into my investment portfolio. You certainly sound more savvy in RE than you give yourself credit for.
by tchasteen
Tue Feb 14, 2017 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: Does anyone know what the AXA 403(b) fees are?
Replies: 14
Views: 1208

Re: Does anyone know what the AXA 403(b) fees are?

Krow36 - Yeah that is a really cool feature especially of the 457. I am halfway through the podcast and am loving it, thanks for sharing that link, I'm excited to listen to more episodes. If I start with the 457 and then get a 403(b) with lower expenses added, do you know if I can transfer the fund...
by tchasteen
Tue Feb 14, 2017 5:07 pm
Forum: Investing - Help with Personal Investments
Topic: Recommended books and resources to fully understand how the world stock market works.
Replies: 36
Views: 2800

Re: Recommended books and resources to fully understand how the world stock market works.

Sandtrap - I appreciate the advice for investing in apartments. Since you do not advise using a management company, does it ever feel like you just bought yourself a job rather than an investment (no condescension meant)? You've caught me, I really like the idea of investing in low-cost mutual fund...
by tchasteen
Mon Feb 13, 2017 7:17 am
Forum: Investing - Help with Personal Investments
Topic: Does anyone know what the AXA 403(b) fees are?
Replies: 14
Views: 1208

Re: Does anyone know what the AXA 403(b) fees are?

Novine - Yeah someone had mentioned that in the other thread, it is disappointing. I think I'll use throw around that term financial literacy when/if trying to convince people to join my efforts to add a 403(b). 8-) Runner9 - Yep, it's offered! I will be making another thread to learn the pros and ...
by tchasteen
Mon Feb 13, 2017 7:03 am
Forum: Investing - Help with Personal Investments
Topic: The 6 403b Companies Offered Where I Teach
Replies: 19
Views: 1342

Re: The 6 403b Companies Offered Where I Teach

Rupert - Yeah they sure do like to hide that information, nothing like making it difficult for a customer to understand what they're getting into. Clark & Addison - Thanks for sharing that tip with me about Horace Mann, although it would be a pain to start having to divide everything over multi...
by tchasteen
Sat Feb 11, 2017 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: Recommended books and resources to fully understand how the world stock market works.
Replies: 36
Views: 2800

Re: Recommended books and resources to fully understand how the world stock market works.

Sandtrap - Thanks for the analogy on chicken farming, it makes things much easier to understand. Wow, excellent explanation of multi-unit apartments. So do you personally believe investing in multi-units without high leverage is a better investment strategy than investing in a balanced mutual fund ...
by tchasteen
Sat Feb 11, 2017 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: Does anyone know what the AXA 403(b) fees are?
Replies: 14
Views: 1208

Re: Does anyone know what the AXA 403(b) fees are?

KESP - Thanks for the tip on Aspire. When I looked into Vanguard, I found that I choose any of their mutual funds and only pay that expense, no administration fee. So for a Target Date 2055 for example the total expense is .16%. Then another $15 per mutual fund per year but if you have over $50,000...
by tchasteen
Fri Feb 10, 2017 11:14 am
Forum: Investing - Help with Personal Investments
Topic: Does anyone know what the AXA 403(b) fees are?
Replies: 14
Views: 1208

Does anyone know what the AXA 403(b) fees are?

AXA is the main annuity provider at my school district. Our human resources lady said if I can get 5 people interested in Vanguard's plan, the district could try to add them. So I want to prepare a forecast showing earnings over time Vanguard vs. AXA, to convince my colleagues to switch over. The pr...
by tchasteen
Fri Feb 10, 2017 10:39 am
Forum: Investing - Help with Personal Investments
Topic: The 6 403b Companies Offered Where I Teach
Replies: 19
Views: 1342

Re: The 6 403b Companies Offered Where I Teach

Yes on the Roth, I already max it out each year.

Good to hear BashDash, I'm not sure about the 457, I work in Ohio, it sounds interesting.
by tchasteen
Fri Feb 10, 2017 9:56 am
Forum: Investing - Help with Personal Investments
Topic: The 6 403b Companies Offered Where I Teach
Replies: 19
Views: 1342

The 6 403b Companies Offered Where I Teach

Hi all, My school does not offer a Vanguard 403b account, but they do offer these 6 companies: METLIFE INVESTORS AMERIPRISE FINANCIAL, INC. HORACE MANN INSURANCE COMPANY AXA EQUITABLE GALIC VOYA Do you guys have any recommendations on which would be my best choice? Do any of these companies allow yo...
by tchasteen
Fri Feb 10, 2017 7:46 am
Forum: Investing - Help with Personal Investments
Topic: Recommended books and resources to fully understand how the world stock market works.
Replies: 36
Views: 2800

Re: Recommended books and resources to fully understand how the world stock market works.

Taylor - Thanks for that simple description, I appreciate it King - Knowing the answer will provide me with confidence so that when things aren't looking so rosy I won't pull my money out. I just don't want to invest in something I don't fully understand. I've been struggling with deciding on dumpi...
by tchasteen
Thu Feb 09, 2017 3:58 pm
Forum: Investing - Help with Personal Investments
Topic: Recommended books and resources to fully understand how the world stock market works.
Replies: 36
Views: 2800

Recommended books and resources to fully understand how the world stock market works.

Hi all, I am late 20's with $80k in cash to invest. I have maxed out my Roth for the year and am trying to decide how to invest the rest of the money. As far as I can tell investing long-term in a target date mutual fund (10% bonds 90% stocks) seems to be the simplest option with the highest odds of...
by tchasteen
Sun Jan 15, 2017 11:20 pm
Forum: Investing - Help with Personal Investments
Topic: Moving Money Around With An IRA
Replies: 4
Views: 550

Re: Moving Money Around With An IRA

Thanks for the reassurance guys. To pkcrafter, don't worry I was just using that as an example! Although in the future I may let the money sit in a money market until the market drops a couple hundred points before investing in my mutual fund. I have also been thinking about moving the money from my...
by tchasteen
Sat Jan 14, 2017 8:19 pm
Forum: Investing - Help with Personal Investments
Topic: Moving Money Around With An IRA
Replies: 4
Views: 550

Moving Money Around With An IRA

Hi, This is a simple question. Every year I do the Backdoor Roth and have money sit in a Traditional IRA for some time and then convert it to a Roth within the same calendar year for simplicity come tax time. I am wondering if I am allowed to shuffle that money around within the IRAs without any leg...
by tchasteen
Mon Mar 21, 2016 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Complicated Tax Question Involving Roth Re-characterization 1099-R from previous tax year
Replies: 4
Views: 507

Re: Complicated Tax Question Involving Roth Re-characterization 1099-R from previous tax year

Thanks so much. Is there a way I can donate to you or repay the thanks, you have saved me a lot of anxiety.
by tchasteen
Mon Mar 21, 2016 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Complicated Tax Question Involving Roth Re-characterization 1099-R from previous tax year
Replies: 4
Views: 507

Re: Complicated Tax Question Involving Roth Re-characterization 1099-R from previous tax year

Thanks Duckie, That is a relief to hear. When I filled the conversion to the Roth (2015 taxes) I ended up paying on the gains then, so it didn't make since to me either. Plus, the re-characterization explanation on 2014 taxes showed contributions were $3700 and total amount was $3844.75. I did notic...
by tchasteen
Sun Mar 20, 2016 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Complicated Tax Question Involving Roth Re-characterization 1099-R from previous tax year
Replies: 4
Views: 507

Complicated Tax Question Involving Roth Re-characterization 1099-R from previous tax year

Hi, Here is the situation. On my 2014 taxes I filled the following: 1. $1800 contribution to Traditional IRA made in 2015 but for 2014 taxes. 2. $3700 contribution to Roth IRA that was re-characterized to the Traditional IRA for 2014 taxes. It ended up being $3844.75 that was re-characterized becaus...
by tchasteen
Sun Feb 22, 2015 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: Invest in Roth for next 8 years or save $24k in Std. Loans
Replies: 13
Views: 1755

Re: Invest in Roth for next 8 years or save $24k in Std. Loa

Thanks for clarifying Duckie! I didn't know that I could do repeat conversions but for simplicity the lump sum-money market approach seems to make the most sense.
by tchasteen
Sat Feb 21, 2015 12:11 pm
Forum: Investing - Help with Personal Investments
Topic: Invest in Roth for next 8 years or save $24k in Std. Loans
Replies: 13
Views: 1755

Re: Invest in Roth for next 8 years or save $24k in Std. Loa

Alright, well I just got off the phone with Vanguard and re-characterized my Roth IRA contribution to Traditional IRA. This will take place Monday, then I will wait a week or so (advised by some) before I convert it back to the Roth IRA. At that time I will use the advice I have found here: http://t...
by tchasteen
Fri Feb 20, 2015 10:45 pm
Forum: Investing - Help with Personal Investments
Topic: Invest in Roth for next 8 years or save $24k in Std. Loans
Replies: 13
Views: 1755

Re: Invest in Roth for next 8 years or save $24k in Std. Loa

That's the kind of quality advice I was hoping for grabiner, thank you! I think I misunderstood, I can still make a $5,500 contribution to a Traditional IRA just not a Roth IRA is that correct? If that's the case I will simply switch over to a traditional so that I can still use the fund I set-up in...
by tchasteen
Fri Feb 20, 2015 7:55 pm
Forum: Investing - Help with Personal Investments
Topic: Invest in Roth for next 8 years or save $24k in Std. Loans
Replies: 13
Views: 1755

Re: Invest in Roth for next 8 years or save $24k in Std. Loa

That's a good point, she is a teacher and we have the salary schedule for the next 8 years. Unfortunately her raises are very minimal, we ran the numbers using the highest amount she will earn over the 8 years! :E
by tchasteen
Fri Feb 20, 2015 11:32 am
Forum: Investing - Help with Personal Investments
Topic: Invest in Roth for next 8 years or save $24k in Std. Loans
Replies: 13
Views: 1755

Re: Invest in Roth for next 8 years or save $24k in Std. Loa

The student loan interest is around 7% but it's irrelevant as the payments will be consistent and the loans are completely forgiven in 8 years. Even at the higher payment there will still be a remaining balance when the loans are forgiven. We've run the numbers on the MFJ and MFS and they are very c...
by tchasteen
Fri Feb 20, 2015 8:43 am
Forum: Investing - Help with Personal Investments
Topic: Invest in Roth for next 8 years or save $24k in Std. Loans
Replies: 13
Views: 1755

Invest in Roth for next 8 years or save $24k in Std. Loans

Hello Fellow Bogleheads, WARNING: This question will require a lot of strategic and long-term thinking, more than my little brain can handle! This fall I started investing in a Roth IRA and was loving the process. However, when I went to file taxes this year I learned that I cannot invest in an IRA ...
by tchasteen
Tue Oct 28, 2014 7:57 pm
Forum: Investing - Help with Personal Investments
Topic: Young Investors Plan – I'm Firing Questions!
Replies: 14
Views: 2797

Re: Young Investors Plan – I'm Firing Questions!

Thanks blue!

I wasn't clear on that, I was thinking I could do $5500 for each - that makes my choice simple. I may have to post what they offer, it seems like their expenses were high from what I recall.
by tchasteen
Tue Oct 28, 2014 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: Young Investors Plan – I'm Firing Questions!
Replies: 14
Views: 2797

Re: Young Investors Plan – I'm Firing Questions!

noobvestor I noticed you crossed out traditional ira can you explain why? I do have a 403b option at work (no employer matching) would this be a better secondary account than a traditional IRA? The I bond interest rate seems hardly worth it, were you thinking that would be like my cash option? Grt2...
by tchasteen
Wed Oct 22, 2014 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: Young Investors Plan – I'm Firing Questions!
Replies: 14
Views: 2797

Young Investors Plan – I'm Firing Questions!

Hi Boggleheads, I am a teacher saving about $10,000 dollars a year, I read the bogglehead book and have been researching the best way to allocate my assets for the last few months and welcome your advice on my plan. Step 1. Put $5,500 dollars in the Vanguard Total Stock Market Index Fund (investor s...

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