Search found 13 matches

by time4life
Mon May 22, 2017 5:32 am
Forum: Investing - Help with Personal Investments
Topic: 3 Fund Portfolio with TSP help
Replies: 34
Views: 3003

Re: 3 Fund Portfolio with TSP help

time4life, If your name is any indication, this is becoming way too complicated. The goal of the 3 fund portfolio is simplicity . The L fund is likely close enough. Vanguard Total Retirement is good enough for your IRA. All the rebalancing is done for you and you reduce the opportunity for behavior...
by time4life
Mon May 22, 2017 2:43 am
Forum: Investing - Help with Personal Investments
Topic: 3 Fund Portfolio with TSP help
Replies: 34
Views: 3003

Re: 3 Fund Portfolio with TSP help

Yes, these are two different paths to the same end. I don't think it really matters which you choose, as long as these are tax-protected accounts and you aren't paying any fees for rebalancing when necessary. Tax-protected same as pre-tax accounts? Looked into Vanguard, are these the funds I'm inve...
by time4life
Sun May 21, 2017 4:56 am
Forum: Investing - Help with Personal Investments
Topic: 3 Fund Portfolio with TSP help
Replies: 34
Views: 3003

Re: 3 Fund Portfolio with TSP help

Ah I see. So VXUS, VSS and VMO (ETFs) in VG ROTH IRA... Would that still be 38% in VXUS , 45% in VSS and 17% in VMO? No, this is a different plan now. Now your VXUS is already what you want it to be, and you are using the VSS and VWO just to complete your I Fund holdings. You'd have to figure out h...
by time4life
Fri May 19, 2017 11:27 pm
Forum: Investing - Help with Personal Investments
Topic: 3 Fund Portfolio with TSP help
Replies: 34
Views: 3003

Re: 3 Fund Portfolio with TSP help

They all sound good haha. If i were to purchase ETFs, it would be ishares along with VSS, and VMO with a ROTH IRA brokerage account. That brought up another question, am I purchasing iShares MSCI EAFE ETF because it represents the "I" fund or that is the ETF i should purchase to replicate...
by time4life
Fri May 19, 2017 11:16 pm
Forum: Investing - Help with Personal Investments
Topic: Investing For Children
Replies: 20
Views: 1290

Re: Investing For Children

I dont have children yet but i do have young siblings (18 years old). They hold a job but mostly receive money from relatives, family members... Are UGMA/UTMAs accounts something i can open for them or should i go with IRA/retirement accounts ?
by time4life
Fri May 19, 2017 12:36 am
Forum: Investing - Help with Personal Investments
Topic: 3 Fund Portfolio with TSP help
Replies: 34
Views: 3003

Re: 3 Fund Portfolio with TSP help

What's an EFA? So is it simple to open a Roth IRA and invest 38% in EFA , 45% in VSS and 17% in VMO? Is it as simple as me just telling the rep to divide it that way from 5500 ? Sorry, EFA is an Exchange-Traded Fund, aka ETF. Specifically, it is iShares MSCI EAFE ETF, and therefore it tracks the sa...
by time4life
Thu May 18, 2017 1:26 pm
Forum: Investing - Help with Personal Investments
Topic: 3 Fund Portfolio with TSP help
Replies: 34
Views: 3003

Re: 3 Fund Portfolio with TSP help

So Total International has about 16% EM, and an average market cap of about $20.8B, per Morningstar. The I Fund should have about 0% EM, and an average market cap about $33.9B. VSS is about 14% EM and $1.5B, VWO is 80% (different definitions of EM) and $14.5. If you did 80% I Fund and 20% VWO, you'...
by time4life
Thu May 18, 2017 6:34 am
Forum: Investing - Help with Personal Investments
Topic: 3 Fund Portfolio with TSP help
Replies: 34
Views: 3003

Re: 3 Fund Portfolio with TSP help

So Total International has about 16% EM, and an average market cap of about $20.8B, per Morningstar. The I Fund should have about 0% EM, and an average market cap about $33.9B. VSS is about 14% EM and $1.5B, VWO is 80% (different definitions of EM) and $14.5. If you did 80% I Fund and 20% VWO, you'...
by time4life
Thu May 18, 2017 2:48 am
Forum: Investing - Help with Personal Investments
Topic: 3 Fund Portfolio with TSP help
Replies: 34
Views: 3003

Re: 3 Fund Portfolio with TSP help

Thank you all for your help. Update to my portfolio. TSP funds (18,000) G/F: 12% = 2160 C: 63% = 11340 S: 16% = 2880 I: 9% = 1620 Roth IRA (5500) Total International Fund: 100% = 5500 I have re-allocated my TSP funds and now all i have to do is set up a VG account and open a ROTH IRA. For approximat...
by time4life
Wed May 10, 2017 9:56 pm
Forum: Investing - Help with Personal Investments
Topic: 3 Fund Portfolio with TSP help
Replies: 34
Views: 3003

Re: 3 Fund Portfolio with TSP help

Thank you again everyone, definitely cleared things up.
by time4life
Wed May 10, 2017 7:13 am
Forum: Investing - Help with Personal Investments
Topic: 3 Fund Portfolio with TSP help
Replies: 34
Views: 3003

Re: 3 Fund Portfolio with TSP help

Fishing50 thanks for your response. Can anyone help me with my allocation or provide me with a ball park on percentages ?
by time4life
Sun May 07, 2017 10:20 pm
Forum: Investing - Help with Personal Investments
Topic: 3 Fund Portfolio with TSP help
Replies: 34
Views: 3003

Re: 3 Fund Portfolio with TSP help

First and foremost, I would like to thank everyone for their responses. Your guidance and insight is much appreciated. So far what I have summed up and not trying to be too conservative since I have time to invest: Going with individual TSP funds and international with VG ROTH IRA. If the L funds in...
by time4life
Sat May 06, 2017 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: 3 Fund Portfolio with TSP help
Replies: 34
Views: 3003

3 Fund Portfolio with TSP help

Hello all, I am young and new admirer of the BogleHead style of investing and accumulated a wealth of knowledge from the 3 Fund Portfolio thread from Taylor. My head is about to explode with all the knowledge I gained and I am only 1/3 through the thread. However I was eager to make some changes to ...

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