Search found 71 matches

by bennettg
Mon Oct 21, 2019 12:14 pm
Forum: Investing - Theory, News & General
Topic: Help Needed: 3 Fund Vanguard ETF vs Schwab Mutual Funds
Replies: 14
Views: 1591

Re: Help Needed: 3 Fund Vanguard ETF vs Schwab Mutual Funds

For those who have commented in the thread about vanguard as a broker, what do you think about the difference between the Schwab products (mutual funds) and vanguard products (etfs) that are available for me to buy at Schwab? Would you sell the mutual funds and buy the etfs for my 3 fund portfolio?
by bennettg
Mon Oct 21, 2019 9:31 am
Forum: Investing - Theory, News & General
Topic: Help Needed: 3 Fund Vanguard ETF vs Schwab Mutual Funds
Replies: 14
Views: 1591

Re: Help Needed: 3 Fund Vanguard ETF vs Schwab Mutual Funds

Thank you to all who responded. I was surprised that the responses all suggest I stay with the Schwab mutual funds. I’ve been agonizing over not owning vanguard products for a long time and thought this would be the time to switch.
by bennettg
Sat Oct 19, 2019 8:57 am
Forum: Investing - Theory, News & General
Topic: Help Needed: 3 Fund Vanguard ETF vs Schwab Mutual Funds
Replies: 14
Views: 1591

Help Needed: 3 Fund Vanguard ETF vs Schwab Mutual Funds

Hi, I am locked into using Schwab as my brokerage in my tax advantaged employer based retirement account (deferred compensation). Currently, I have a 3 fund that utilizes schwab mutual funds. I chose to use the schwab mutual funds because of a slight preference for mutual funds over ETFs and because...
by bennettg
Fri Aug 23, 2019 5:16 am
Forum: Investing - Theory, News & General
Topic: Boglehead’s Vanguard Dogma
Replies: 31
Views: 3091

Re: Boglehead’s Vanguard Dogma

Nate79 wrote:
Thu Aug 22, 2019 10:33 pm
I would highly recommend Schwab over the likes of Vanguard. Switched from Vanguard to Schwab and very happy.
Do you mean the funds (etfs) or as a brokerage? I am wondering about the mutual funds or etfs.
by bennettg
Thu Aug 22, 2019 4:34 pm
Forum: Investing - Theory, News & General
Topic: Boglehead’s Vanguard Dogma
Replies: 31
Views: 3091

Re: Boglehead’s Vanguard Dogma

This is why I worry about Schwab (or other brokerages without the ownership structure of VG)

https://www.nytimes.com/2011/01/14/busi ... orris.html
by bennettg
Thu Aug 22, 2019 2:27 pm
Forum: Investing - Theory, News & General
Topic: Boglehead’s Vanguard Dogma
Replies: 31
Views: 3091

Re: Boglehead’s Vanguard Dogma

Just to clarify, is this account an employer's 401k or similar? If so, it might help to list the available options in the plan, you may have fund options that are good enough that you could build a three-fund portfolio using the available offerings. Similar to 401K. Have access to no fee Schwab equ...
by bennettg
Thu Aug 22, 2019 1:38 pm
Forum: Investing - Theory, News & General
Topic: Boglehead’s Vanguard Dogma
Replies: 31
Views: 3091

Re: Boglehead’s Vanguard Dogma

Apologies. The retirement account is tied to my employer. No way to go to VG directly. Can only use Schwab as brokerage.
by bennettg
Thu Aug 22, 2019 1:32 pm
Forum: Investing - Theory, News & General
Topic: Boglehead’s Vanguard Dogma
Replies: 31
Views: 3091

Boglehead’s Vanguard Dogma

Hi, I currently have a 3 fund Schwab mutual fund index portfolio in a tax advantaged space. I strongly prefer the ownership structure of vanguard. I’m trying to quantify how much that is worth to me. My retirement account is funded biweekly from my payroll, so it is dollar cost averaging no matter w...
by bennettg
Thu Aug 22, 2019 12:46 pm
Forum: Investing - Theory, News & General
Topic: We want all-in-one balanced ETFs. Where are they?
Replies: 34
Views: 2795

Re: We want all-in-one balanced ETFs. Where are they?

Does anyone know of target date etf? Would like VG target etf because mutual fund Version is too expensive where I must buy it. Likewise I’d rather avoid buying the 4 etf components frequently because it is too expensive
by bennettg
Sat Aug 17, 2019 2:22 pm
Forum: Investing - Theory, News & General
Topic: Portfolio Comparison Tool
Replies: 7
Views: 444

Re: Portfolio Comparison Tool

PortfolioVisualizer.com is mentioned countless times (plus 2 now) at bogleheads.org. Have you tried it? Thank you. I’ve taken a look but it doesn’t seem to account for Costs like AUM. But I’m simple and maybe don’t understand how to do that on the site? A loved one is being taken advantage of by an...
by bennettg
Sat Aug 17, 2019 2:10 pm
Forum: Investing - Theory, News & General
Topic: Portfolio Comparison Tool
Replies: 7
Views: 444

Portfolio Comparison Tool

Hi. Does anyone know of a website or tool to compare a portfolio historically? I’m trying to demonstrate to someone that a bogleheads portfolio (3 fund) would have outperformed what an aum advisor designed portfolio.
by bennettg
Mon Aug 12, 2019 11:17 am
Forum: Personal Investments
Topic: Brokerages with no-transaction fees for Vanguard funds
Replies: 36
Views: 3206

Re: Brokerages with no-transaction fees for Vanguard funds

Schwab will waive purchase fees for all Vanguard funds that are available for purchase at non-Vanguard brokers if you have a large enough account. They'll usually do this for a single fund family (Vanguard, Pimco, whatever) - your choice - assuming you have a couple hundred k there. Hi. Can you sha...
by bennettg
Wed Aug 07, 2019 2:52 pm
Forum: Personal Investments
Topic: Bond help needed
Replies: 4
Views: 333

Bond help needed

Hi. Can anyone help me confirm that BMOIX (Blackrock Us aggregate bond index fund) is essentially the same as AGG (Blackrock ishares core us aggregate bond index etf)? I have the first available to me in a deferred compensation plan as a CIT at an ER=0.02. The plan has a brokerage window with Schwab...
by bennettg
Tue Apr 09, 2019 1:20 pm
Forum: Investing - Theory, News & General
Topic: Lower Fees/ER vs Increased Transparency
Replies: 6
Views: 347

Re: Lower Fees/ER vs Increased Transparency

Thanks....I'm not the sharpest tool in the shed, but think that because it is a CIT that I cannot be sure what benchmark it tracks? So is using a proxy the same? From reading the boards, I've learned that low fees are good, but not to forget about tracking error? This is all so complicated for me. ...
by bennettg
Tue Apr 09, 2019 12:42 pm
Forum: Investing - Theory, News & General
Topic: Lower Fees/ER vs Increased Transparency
Replies: 6
Views: 347

Re: Lower Fees/ER vs Increased Transparency

I agree that it is a matter of convenience if you like to track your portfolio in M* or your own spreadsheet. I personally do both. But I wouldn't pay a single basis point for a ticker symbol. In the past, when I had a CIT in my 401(k), I just used an institutional index fund with the same expense ...
by bennettg
Tue Apr 09, 2019 12:11 pm
Forum: Investing - Theory, News & General
Topic: Lower Fees/ER vs Increased Transparency
Replies: 6
Views: 347

Lower Fees/ER vs Increased Transparency

Hi, Hoping to get some thoughts on a tradeoff between lower fees and increased transparency. Most of my retirement holdings are in a NY State 457B plan, which has a brokerage window with schwab. They recently changed their investment options to CITs, which have lowered fees at the expense of transpa...
by bennettg
Sat Apr 06, 2019 11:32 am
Forum: Personal Investments
Topic: Changes to NYS Deferred Compensation Plan
Replies: 124
Views: 20956

Re: Changes to NYS Deferred Compensation Plan

I am trying to use the portfolio tracker on Morningstar to keep track of the investments in the DCP. One of the board members told me to use BSMKX to track the Russel 2500, BMOIX to track the US Debt and VIIIX to track the Equity Index 500. I went to Morningstar and inputed these tickers along with ...
by bennettg
Mon Apr 01, 2019 2:56 pm
Forum: Personal Investments
Topic: [Three-Fund Portfolio in a 529 account]
Replies: 6
Views: 730

Re: [Three-Fund Portfolio in a 529 account]

Sure, I'd get fairly conservative. You could browse the glide paths of the various age-based strategies and see how they approach it. What is your current AA in the 529? Thank you. The plan offers Vanguard Short term reserves (no ticket) and vanguard inflation protected securities (VIPIX). I’m not ...
by bennettg
Sun Mar 31, 2019 3:11 pm
Forum: Investing - Theory, News & General
Topic: That's enough for me in 2019
Replies: 906
Views: 121482

Re: That's enough for me in 2019

I'm not clever enough to follow a lot of the information in this thread, but I look at investing as if I went to a casino and gambled. Right now, about half of my tax advantaged portfolio (457b, 200K) is earnings. So, I've doubled my money. If I were at a casino, I would probably take my winnings an...
by bennettg
Fri Mar 29, 2019 1:36 pm
Forum: Personal Investments
Topic: [Three-Fund Portfolio in a 529 account]
Replies: 6
Views: 730

Re: [Three-Fund Portfolio in a 529 account]

[Moved into a new thread from: The Three-Fund Portfolio --admin LadyGeek] I’ve used the 3 fund portfolio across a couple of different kinds of accounts, but have a question I’m hoping someone can help with. I have the 3 fund in a 529 account. My goal for the account was to save for the full cost of...
by bennettg
Fri Mar 29, 2019 1:11 pm
Forum: Personal Investments
Topic: [Three-Fund Portfolio in a 529 account]
Replies: 6
Views: 730

[Three-Fund Portfolio in a 529 account]

[Moved into a new thread from: The Three-Fund Portfolio --admin LadyGeek] I’ve used the 3 fund portfolio across a couple of different kinds of accounts, but have a question I’m hoping someone can help with. I have the 3 fund in a 529 account. My goal for the account was to save for the full cost of...
by bennettg
Wed Feb 13, 2019 1:45 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Confusion VT/BNDW
Replies: 12
Views: 1850

Re: Vanguard Confusion VT/BNDW

Thank you for all the responses. They are appreciated. With the exception of the international bond ETF, you can get everything you want at Schwab commission free. It won't be a Vanguard product, but likely a Schwab or iShares product and there is no reason to avoid either one of those. If you reall...
by bennettg
Wed Feb 13, 2019 11:28 am
Forum: Investing - Theory, News & General
Topic: Vanguard Confusion VT/BNDW
Replies: 12
Views: 1850

Vanguard Confusion VT/BNDW

Hi, I've read about the Vanguard EFTs that combine all world stock (VT) and all world bond (BNDW). I'm a simple guy, but disciplined. Is it accurate to say that VT is the same as VTI+VXUS? Likewise, it is accurate to say that BNDW is the same as BND+BNDX? I have tax advantaged accounts, but need to ...
by bennettg
Mon Feb 04, 2019 3:44 pm
Forum: US Chapters
Topic: Any Albany, NY Bogleheads out there?
Replies: 19
Views: 6133

Re: Any Albany, NY Bogleheads out there?

Hi,

Did the chapter get established? I would like to join.
by bennettg
Mon Jan 21, 2019 1:00 pm
Forum: Personal Investments
Topic: Expensive 401K at Work but Company Match, Need Help
Replies: 5
Views: 474

Re: Expensive 401K at Work but Company Match, Need Help

That is one of the worsts plan that I have ever seen anyone post about. You should double check to see if you understand the details correctly, that sounds too bad to be true. When looking at the fees you need to be careful to only look at the numbers in the paper literature you get or when you are...
by bennettg
Mon Jan 21, 2019 11:36 am
Forum: Personal Investments
Topic: Expensive 401K at Work but Company Match, Need Help
Replies: 5
Views: 474

Expensive 401K at Work but Company Match, Need Help

Hi, There is a 401K at work which comes with a company match. The match is the lesser of 4%(match %) of wages up to $275,000 of wages or the deferral amount. The investments are made via schwab, but the 401K plan charges 2% of AUM as a fee (on top of schwab's ER). Since most of the options in the pl...
by bennettg
Sat Jan 19, 2019 8:09 am
Forum: Personal Finance (Not Investing)
Topic: How much money did you receive from family? (Gifts/inheritance)
Replies: 127
Views: 15289

Re: How much money did you receive from family? (Gifts/inheritance)

As a companion to the thread on leaving money to children, I thought it might be interesting to flip this around and discuss how much we received, at what age, and what impact it had on us. I note that many people are nervous about leaving large sums to their children. I wonder if there are negativ...
by bennettg
Sun Jan 14, 2018 1:11 pm
Forum: Investing - Theory, News & General
Topic: Help with 529: Save for College vs Pay for Private School
Replies: 14
Views: 1394

Re: Help with 529: Save for College vs Pay for Private School

Thanks for the quick response. I should have added more detail to my original post. I am in NYS and at present, they do offer a tax deduction for 529 contributions.
by bennettg
Sun Jan 14, 2018 1:01 pm
Forum: Investing - Theory, News & General
Topic: Help with 529: Save for College vs Pay for Private School
Replies: 14
Views: 1394

Help with 529: Save for College vs Pay for Private School

Hi, I've read that the new tax law will allow folks to use funds from their 529 to pay for private K-12 schooling. Can anyone point me to a primer or wiki about the benefits of using money in my 529 now to pay for parochial school for 3rd grade vs. continuing out existing use of the 529 to save for ...
by bennettg
Thu Jun 22, 2017 7:53 pm
Forum: Personal Consumer Issues
Topic: Cricket Wireless Groups
Replies: 31
Views: 4879

Re: Cricket Wireless Groups

I run a group over there and its fine. I Don't share the username/password or PIN number, everyone paypals me $20 per month (or higher depending on their plan). I claim all the referrals in exchange for managing the group. Plus I am able to stock up on the sales at target/best buy for refill cards ...
by bennettg
Wed Jun 07, 2017 4:34 pm
Forum: Personal Consumer Issues
Topic: Cricket Wireless Groups
Replies: 31
Views: 4879

Re: Cricket Wireless Groups

My understanding from the cricket website is that the total discount on 5 lines is $100 or $20 per line. So someone on the $40 plan should pay $20 while someone on the unlimited plan, which is $60, would pay $40.

https://www.cricketwireless.com/content ... iline.html
by bennettg
Tue Jun 06, 2017 12:56 pm
Forum: Personal Consumer Issues
Topic: Cricket Wireless Groups
Replies: 31
Views: 4879

Re: Cricket Wireless Groups

I run a group over there and its fine. I Don't share the username/password or PIN number, everyone paypals me $20 per month (or higher depending on their plan). I claim all the referrals in exchange for managing the group. Plus I am able to stock up on the sales at target/best buy for refill cards ...
by bennettg
Tue Jun 06, 2017 11:51 am
Forum: Personal Consumer Issues
Topic: Cricket Wireless Groups
Replies: 31
Views: 4879

Re: Cricket Wireless Groups

I run a group over there and its fine. I Don't share the username/password or PIN number, everyone paypals me $20 per month (or higher depending on their plan). I claim all the referrals in exchange for managing the group. Plus I am able to stock up on the sales at target/best buy for refill cards ...
by bennettg
Tue Jun 06, 2017 11:26 am
Forum: Personal Consumer Issues
Topic: Cricket Wireless Groups
Replies: 31
Views: 4879

Re: Cricket Wireless Groups

BW1985 wrote:I have one spot open in my group if anyone wants in. $20/mo
I'll go in with someone from Bogleheads. I will PM you now.
by bennettg
Tue Jun 06, 2017 10:19 am
Forum: Personal Consumer Issues
Topic: Cricket Wireless Groups
Replies: 31
Views: 4879

Re: Cricket Wireless Groups

Thanks for all the responses. I've decided to port to cricket but will not join a group via reddit strangers.

If anyone wants to send a referral code, I'm happy to use that when I port.
by bennettg
Mon Jun 05, 2017 2:53 pm
Forum: Personal Consumer Issues
Topic: Cricket Wireless Groups
Replies: 31
Views: 4879

Re: Cricket Wireless Groups

I'm not sure how the groups work with Cricket (or other deals). The Cricket offer works like this: First line $40 Second line $30 Third line $20 Fourth line $10 Fifth line $0 Total = $100 which averages to $20/line. You can only have 1 payment method on your Cricket account. So the "lead" would hav...
by bennettg
Mon Jun 05, 2017 2:39 pm
Forum: Personal Consumer Issues
Topic: Cricket Wireless Groups
Replies: 31
Views: 4879

Cricket Wireless Groups

I'm trying to minimize my monthly expenses to redirect what I can to retirement savings. One thought was to try to join a cricket wireless group plan via reddit....there is a dedicated thread to linking folks together....with a full group you get 4GB of data and unlimited calls/texts for $20/month i...
by bennettg
Thu May 18, 2017 9:41 am
Forum: Personal Investments
Topic: Asset Allocation Re-balancing Math: Help Needed
Replies: 3
Views: 530

Asset Allocation Re-balancing Math: Help Needed

Hello, I am trying to create a spreadsheet to help me rebalance monies in my retirement account in the New York State Deferred Compensation Plan (DCP). There are 2 components to the plan.....the main fund offerings and a self-directed option (known as a SDO or PCRA) with schwab. My desired asset all...
by bennettg
Fri May 12, 2017 8:55 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2699
Views: 1802929

Re: Collective Investment Trusts (CITs)

bennettg: Sorry, I don't know enough about CITs (Collective Investment Trusts) to give you a reliable reply. Lady Geek is right. Please ask your question on the forum where you will get more and better replies. Thank you and best wishes. Taylor Appreciate your response and that of Lady Geek. Have a...
by bennettg
Thu May 11, 2017 12:12 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2699
Views: 1802929

Re: Adding small funds?

Bennetg: I'm the one who is obtuse: If I understand correctly, you are asking if you should add small-cap and emerging market funds to the Schwab (total) International Equity Fund which contains only negligible amounts of these two asset-classes. In my opinion, adding two small funds to a portfolio...
by bennettg
Tue May 09, 2017 2:35 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2699
Views: 1802929

Re: Adding small funds?

Bennetg: I'm the one who is obtuse: If I understand correctly, you are asking if you should add small-cap and emerging market funds to the Schwab (total) International Equity Fund which contains only negligible amounts of these two asset-classes. In my opinion, adding two small funds to a portfolio...
by bennettg
Tue May 09, 2017 12:19 pm
Forum: Personal Investments
Topic: Changes to NYS Deferred Compensation Plan
Replies: 124
Views: 20956

Re: Changes to NYS Deferred Compensation Plan

I just got off the phone with the DCP. I asked them about the Expense Ratios for the Blackrock CITs: S&P is expected to be 0.0084 Russell 2500 is expected to be 0.0225 US Debt Index is expected to be 0.0198 There will not be any changes to the plans admin fees of $10 twice a year ($20) and 2bp AUM u...
by bennettg
Sun May 07, 2017 8:10 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2699
Views: 1802929

Re: Adding small funds?

Bennetg: I'm the one who is obtuse: If I understand correctly, you are asking if you should add small-cap and emerging market funds to the Schwab (total) International Equity Fund which contains only negligible amounts of these two asset-classes. In my opinion, adding two small funds to a portfolio...
by bennettg
Sun May 07, 2017 2:54 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2699
Views: 1802929

Re: Schwab vs. Vanguard

bennettg: Be sure to read Jonathan Clement's article, above by using the link near the bottom of my Opening Post. If you are a happy Schwab customer, I would use Schwab Total Market Index Funds which are now as low-cost as Vanguard. Best wishes. Taylor Thanks....forgive me obtuseness....do I correc...
by bennettg
Sun May 07, 2017 12:27 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2699
Views: 1802929

Re: The Three Fund Portfolio

Decided to go with a Schwab ETF version of the 3 Fund Portfolio. My question centers around the weighting of the 3 International funds. Your thoughts? SCHB US Broad Market SCHZ. US Aggregate Bond SCHC International Small Cap Equity SCHF international Equity SCHE Emerging Market Equity macav933: In ...
by bennettg
Sun May 07, 2017 9:25 am
Forum: Personal Investments
Topic: Help: Vanguard Total International Stock Market vs. Schwab International Index
Replies: 15
Views: 5219

Re: VGTSX vs SWISX

Ah, I see. Maybe say a bit more about why you don't like ETFs? Vanguard's ETF shares and funds shares are just different share classes of the very same funds. You have the same thing either way. For my own part, I would definitely put up with using ETFs to get Vanguard's better coverage of internat...
by bennettg
Sun May 07, 2017 8:08 am
Forum: Personal Investments
Topic: Help: Vanguard Total International Stock Market vs. Schwab International Index
Replies: 15
Views: 5219

Re: VGTSX vs SWISX

Is there are reason you want to use Schwab instead of Vanguard? Vanguard sends all of its security lending revenue back to investors, unlike its for profit competitors, so the ER is often in reality lower than the stated ER. Schwab is what I am offered via my employer's plan. I suppose I could buy ...
by bennettg
Sat May 06, 2017 8:21 am
Forum: Personal Investments
Topic: Help: Vanguard Total International Stock Market vs. Schwab International Index
Replies: 15
Views: 5219

Re: VGTSX vs SWISX

I've been intrigued with Schwab's new lower cost index funds.....had reluctantly been using ETFs to save a bit. But with the new lower ERs, I'd like to go back to index funds. Is there are reason you want to use Schwab instead of Vanguard? Vanguard sends all of its security lending revenue back to ...
by bennettg
Sat May 06, 2017 6:37 am
Forum: Personal Investments
Topic: Help: Vanguard Total International Stock Market vs. Schwab International Index
Replies: 15
Views: 5219

Re: VGTSX vs SWISX

I've been intrigued with Schwab's new lower cost index funds.....had reluctantly been using ETFs to save a bit. But with the new lower ERs, I'd like to go back to index funds. Is there are reason you want to use Schwab instead of Vanguard? Vanguard sends all of its security lending revenue back to ...
by bennettg
Sat May 06, 2017 6:35 am
Forum: Personal Investments
Topic: Help: Vanguard Total International Stock Market vs. Schwab International Index
Replies: 15
Views: 5219

Re: VGTSX vs SWISX

gkaplan wrote:OP, you might get more responses if you edit your thread title to include the fund names for the tickers.
Updated, thanks.