Search found 171 matches

by Mors
Sun Jun 17, 2018 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: Take Advantage of Stable Value Fund?
Replies: 22
Views: 1285

Re: Take Advantage of Stable Value Fund?

You can use it to fund a part of your fixed-income allocation. it could be 2% to 5% of your fixed income allocation, the rest being the Long Term treasuries you mention. You lower a bit your expected returns, but you also lower the interest rate risk and you increase your diversification.
by Mors
Thu Jun 14, 2018 6:51 pm
Forum: Investing - Help with Personal Investments
Topic: Which bond fund in 401k?
Replies: 7
Views: 550

Re: Which bond fund in 401k?

Dodix is also my choice. Leave vipix for later. You could add a small portion of your fixed income to the managed income portfolio for diversification purposes, it is a stable value fund. It does not have interest rate risk, although it has probably smaller expected return too.
by Mors
Thu Jun 14, 2018 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: First timer looking for help [Estonia]
Replies: 9
Views: 932

Re: First timer looking for help [Estonia]

Two points: 1) 50% Europe is too much. Yes you lower currency risk, but you introduce massive tracking error. Lower it to something closer to global market cap. Use XDWD and IEMM to achieve it. 2) global Corp bonds is fine if it is hedged, but it is unsuitable if it is not. If it is not hedged go 10...
by Mors
Thu Jun 14, 2018 2:47 pm
Forum: Investing - Help with Personal Investments
Topic: What do you think of my Asset Allocation? (UK Investor)
Replies: 38
Views: 2460

Re: What do you think of my Asset Allocation? (UK Investor)

I also second Lifestrategy 80. I find the UK tilt justified, for currency risk reduction and possible tax benefits. ... Would you mind to elaborate on the tax benefits of Lifestrategy? Not the author of the post you quote, but one potential tax benefit I can see comes from the fact that having more...
by Mors
Wed Jun 13, 2018 5:12 pm
Forum: Investing - Help with Personal Investments
Topic: Structuring 401k - MorningStar rating matters?
Replies: 15
Views: 667

Re: Structuring 401k - MorningStar rating matters?

What ruralavalon said. I would just like to point out that if you want to accompany the main index portfolio with an actively managed fund, the Vanguard Wellington has great potential. It is cheap, it does not invest overly risky and has great managers that outperformed the market consistently in th...
by Mors
Sun Jun 10, 2018 8:18 pm
Forum: Investing - Help with Personal Investments
Topic: Which 401k funds to choose from these?
Replies: 5
Views: 400

Re: Which 401k funds to choose from these?

Staying with the TDF would not be a bad choice, however I also believe that you can do better. I would go with the 3 indexes + the short term bonds. I would invest internationally through an IRA and taxable preferably, but if this is not possible I would go with the Europacific growth. State Street ...
by Mors
Tue May 22, 2018 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking 401k advice
Replies: 8
Views: 603

Re: Seeking 401k advice

Hi all, I am 38 years old and am deciding what to do with my 401k after changing jobs. I have been in a 2045 target date fund and paying an expense ratio of 0.74% (which I understand is not bad but I can do better). I can leave it where it is in the target date, change my selections in my old 401k ...
by Mors
Sat Mar 31, 2018 2:27 am
Forum: Investing - Help with Personal Investments
Topic: Choosing new funds in new 403b, diversify with new IRA/Roth, old 401k
Replies: 8
Views: 584

Re: Choosing new funds in new 403b, diversify with new IRA/Roth, old 401k

Thank you Mors for your input. By the way, I understand now that I don't think I need to invest $50, 000 for the bond fund personally, as it's an institutional rate. Which begs the question, might investing through an employer's IRA offer better access to lower-expense-ratio funds than investing as...
by Mors
Thu Mar 29, 2018 2:45 am
Forum: Investing - Help with Personal Investments
Topic: Is this 529 account doing OK?
Replies: 4
Views: 748

Re: Is this 529 account doing OK?

I also agree with the poster above. The portfolio for the older one should have at most 20% stocks, I woudl suggest no stocks at all, and be something like 100% bond fund or 70-80% bonds / 20-30% cash. The return numbers for a portfolio in invested in s&p 500 are fine, but they probably mean that yo...
by Mors
Tue Mar 27, 2018 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: How to use a 4.1% guaranteed fund?
Replies: 22
Views: 2613

Re: How to use a 4.1% guaranteed fund?

I would add that it maybe makes sense to add a 5% allocation or so to a bond fund for diversification benefits.
by Mors
Mon Mar 26, 2018 6:25 pm
Forum: Investing - Help with Personal Investments
Topic: 457b finally has Vanguard funds! Help with AA please.
Replies: 37
Views: 2005

Re: 457b finally has Vanguard funds! Help with AA please.

457b: 45% Vanguard 500 Index Fund Admiral (VFIAX) 5% Vanguard Small-Cap Index Fund Admiral (VSMAX) 25% Vanguard FTSE All-World ex-US Index Fund Admiral (VFWAX) 20% Vanguard Intermediate-Term Bond Index Fund Admiral (VBILX) HSA: 55% JPMorgan - JPMorgan Equity Index I (HLEIX) 25% iShares MSCI EAFE In...
by Mors
Sun Mar 25, 2018 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: How to use a 4.1% guaranteed fund?
Replies: 22
Views: 2613

Re: How to use a 4.1% guaranteed fund?

Stable value funds can be tricky as far as their fine print is concerned. Assuming there is no special issue though, it is indeed a better alternative than bond funds, and it also justifies a more conservative asset allocation (most experts agree that for the next decade US markets will not perform ...
by Mors
Sat Mar 24, 2018 9:38 pm
Forum: Investing - Help with Personal Investments
Topic: Best Target fund for my age?
Replies: 23
Views: 1441

Re: Best Target fund for my age?

Ok, so make it simple with just the 2025 Target Fund, or doing the 3 index fund portfolio approach? Which route be less expensive with fees and provide the higher return over the next 12 years in a Roth IRA? I am 55 and plan to retire at 67. If you qualify for admiral shares then the 3 fund portfol...
by Mors
Sat Mar 24, 2018 9:37 pm
Forum: Investing - Help with Personal Investments
Topic: Best Target fund for my age?
Replies: 23
Views: 1441

Re: Best Target fund for my age?

TDF 2030 is the one designed by Vanguard for your situation. As bloom2708 mentioned though, if you want a smaller stock allocation go with 2025 or 2020. For a bigger stock allocation go with 2035, although this is not generally suggested (and I do not suggest it either).
by Mors
Sat Mar 24, 2018 9:33 pm
Forum: Investing - Help with Personal Investments
Topic: Index Fund, then Target Date Fund in Roth IRA
Replies: 3
Views: 391

Re: Index Fund, then Target Date Fund in Roth IRA

Vanguard TDFs consist from index funds, so you are also invested in index funds. The only advantage of separate index funds is the option to invest in marginally cheaper admiral share versions if you have at least 10k in each. That and of course the freedom to decide your own allocations, but the po...
by Mors
Sat Mar 24, 2018 9:30 pm
Forum: Investing - Help with Personal Investments
Topic: 457b finally has Vanguard funds! Help with AA please.
Replies: 37
Views: 2005

Re: 457b finally has Vanguard funds! Help with AA please.

Rolling over 401k to 457b will allow for international investing but it will still not include emerging markets at all Vanguard FTSE All-World ex-US Index Fund has emerging markets. It's just missing small-caps. Yes you are right I am sorry. I had in mind the EAFE index fund in the HSA when I was w...
by Mors
Sat Mar 24, 2018 6:05 pm
Forum: Investing - Help with Personal Investments
Topic: 457b finally has Vanguard funds! Help with AA please.
Replies: 37
Views: 2005

Re: 457b finally has Vanguard funds! Help with AA please.

457b: 45% Vanguard 500 Index Fund Admiral (VFIAX) 5% Vanguard Small-Cap Index Fund Admiral (VSMAX) 25% Vanguard FTSE All-World ex-US Index Fund Admiral (VFWAX) 20% Vanguard Intermediate-Term Bond Index Fund Admiral (VBILX) HSA: 55% JPMorgan - JPMorgan Equity Index I (HLEIX) 25% iShares MSCI EAFE Int...
by Mors
Fri Mar 23, 2018 2:40 pm
Forum: Investing - Help with Personal Investments
Topic: Choosing new funds in new 403b, diversify with new IRA/Roth, old 401k
Replies: 8
Views: 584

Re: Choosing new funds in new 403b, diversify with new IRA/Roth, old 401k

Greetings. I suggest avoiding the bond funds in your 403b and instead make up for them in other accounts. Even if you did had $50000 for bonds I would still avoid the inflation protected bond fund. Robo is not bad but you can do without. Some sample equity allocation could be (assuming 60/40 us/int ...
by Mors
Fri Mar 16, 2018 10:11 am
Forum: Investing - Help with Personal Investments
Topic: 29 year old looking for help with Asset Allocation [Australia]
Replies: 6
Views: 655

Re: 29 year old looking for help with Asset Allocation [Australia]

You are welcome. VGS includes emerging markets. You could overweight them if you wish, just do not go too far.

A solid allocation all in all, make sure to stick with your plan.
by Mors
Tue Mar 13, 2018 10:48 pm
Forum: Investing - Help with Personal Investments
Topic: Platform for monthly investing in funds or ETFS - For Europeans
Replies: 5
Views: 581

Re: Platform for monthly investing in funds or ETFS - For Europeans

Do you want a robo-advisor? They exist, but they are usually pretty expensive. ETFmatic has decent pricing, but in the end I would rather go with a simple portfolio from a cheap broker, like Degiro. Here is a list. http://robo-advisors.eu/ Interesting that there's already that many robo-advisors in...
by Mors
Mon Mar 12, 2018 3:23 am
Forum: Investing - Help with Personal Investments
Topic: Best way to approximate VTSAX with my 401k choices
Replies: 30
Views: 1653

Re: Best way to approximate VTSAX with my 401k choices

I would argue that combining value and growth is inefficient, pick one factor and stick with it. What do you mean by inefficient? A 50% split between growth and value is pretty much identical to a blend fund and will yield pretty much the same results as a blend fund. If you choose one or the other...
by Mors
Sun Mar 11, 2018 6:13 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to approximate VTSAX with my 401k choices
Replies: 30
Views: 1653

Re: Best way to approximate VTSAX with my 401k choices

I would argue that combining value and growth is inefficient, pick one factor and stick with it. What do you mean by inefficient? A 50% split between growth and value is pretty much identical to a blend fund and will yield pretty much the same results as a blend fund. If you choose one or the other...
by Mors
Sun Mar 11, 2018 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to approximate VTSAX with my 401k choices
Replies: 30
Views: 1653

Re: Best way to approximate VTSAX with my 401k choices

Welcome to John Hancock. Between high ERs and plan fees, I'm paying a weighted 1.56% in total expenses for my mix of Total Stock and Total Bond. And the posted ERs for those two funds (.67 and .68 respectively) in my plan are cheaper than any of the ERs posted on Vanguard funds in the plan, which I...
by Mors
Sun Mar 11, 2018 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to approximate VTSAX with my 401k choices
Replies: 30
Views: 1653

Re: Best way to approximate VTSAX with my 401k choices

I would argue that combining value and growth is inefficient, pick one factor and stick with it. I would go with value for us markets for all cap sizes. OP did say his goal was to approximate TSM, so that's why most responses include both Growth and Value. I know, no fault at that. I just wanted to...
by Mors
Sat Mar 10, 2018 10:07 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation
Replies: 6
Views: 733

Re: Asset Allocation

A fine plan.

20% int is all right, maybe a bit conservative. Vanguard chooses 40%, closer to market cap.
by Mors
Sat Mar 10, 2018 9:59 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to approximate VTSAX with my 401k choices
Replies: 30
Views: 1653

Re: Best way to approximate VTSAX with my 401k choices

I would argue that combining value and growth is inefficient, pick one factor and stick with it. I would go with value for us markets for all cap sizes. 80/20 large/small value or 80/5/15 large/mid/small would be my allocations, roughly the allocations of total us stock market. Large value has Berks...
by Mors
Sat Mar 10, 2018 9:34 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab Intelligent Advisory
Replies: 23
Views: 2589

Re: Schwab Intelligent Advisory

The cash drag and the over-specialization of asset classes of SIA are too big of a drawback. Consider Betterment (my "favorite"), Wealthfront or Vanguard PAS if you value human interaction. Tax harvesting is the standout feature of robos, if you do not utilize it you are missing out. Wealthfront is ...
by Mors
Thu Mar 08, 2018 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: Help on allocations for 401K
Replies: 6
Views: 424

Re: Help on allocations for 401K

American Funds are usually a good choice in 401k but a big reason for that is that they are discounted. With the regular expenses I cannot recommend them. I would suggest such an allocation. 25% Shares S&P 500 Index A Growth-and-income 5% Columbia Small Cap Index A Growth 20% iShares MSCI EAFE Inter...
by Mors
Thu Mar 08, 2018 2:27 pm
Forum: Personal Consumer Issues
Topic: Honda vs. Toyota: Which has more bang for the buck?
Replies: 119
Views: 11269

Re: Honda vs. Toyota: Which has more bang for the buck?

invst65 wrote:
Wed Mar 07, 2018 11:40 pm
Mors wrote:
Sun Mar 04, 2018 6:32 pm
Maybe you find this index useful.

http://www.reliabilityindex.com/top-100
Do they not sell the RAV4 in Great Britain or is it called something else? Don't see it on that list.
It was just not in the top 100 list.

http://www.reliabilityindex.com/reliability/search/211
by Mors
Wed Mar 07, 2018 5:10 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Variable Withdrawal Strategy
Replies: 7
Views: 521

Re: 401k Variable Withdrawal Strategy

A convenient way to withdraw is to transfer the annual amount in a money market account (or savings account with non-restricted withdrawals) and withdraw the monthly amount from there. This way you reduce the inter-year fluctuations.
by Mors
Tue Mar 06, 2018 9:33 pm
Forum: Investing - Help with Personal Investments
Topic: 401 k with limited choices-Help selecting lazy portfolio find
Replies: 6
Views: 472

Re: 401 k with limited choices-Help selecting lazy portfolio find

I would suggest that as long as you do not mind holding 4-5 funds, to add a small cap allocation (maybe a mid cap too) and the EUROPAC GRW in addition to the INST INDEX and the US BOND INDX. 80/20 large cap/small cap or 80/5/15 large/mid/small cap is approximating total US stock market. The europac ...
by Mors
Tue Mar 06, 2018 9:17 pm
Forum: Investing - Help with Personal Investments
Topic: help with 401k fund selection
Replies: 2
Views: 317

Re: help with 401k fund selection

I believe that the TDF you have chosen is a better choice than constructing a custom portfolio, even without regarding simplicity. You have only one expensive actively managed emerging markets fund if you try a simple custom portfolio. And assuming ERs are what we can find online, you cannot lower y...
by Mors
Mon Mar 05, 2018 10:48 pm
Forum: Investing - Help with Personal Investments
Topic: Emerging Market Fund... Should I sell off some?
Replies: 19
Views: 2358

Re: Emerging Market Fund... Should I sell off some?

I would sell it because it is too expensive. If you wish to buy an em markets allocation, do it through a cheap index fund or etf. Vanguard and iShares have possible choices. I own PRMSX; it has beaten VWO and EEM over the past 10 years. Before or after fees? Even if it did after fees, it is too ex...
by Mors
Mon Mar 05, 2018 5:57 pm
Forum: Investing - Help with Personal Investments
Topic: Emerging Market Fund... Should I sell off some?
Replies: 19
Views: 2358

Re: Emerging Market Fund... Should I sell off some?

I would sell it because it is too expensive.

If you wish to buy an em markets allocation, do it through a cheap index fund or etf. Vanguard and iShares have possible choices.
by Mors
Mon Mar 05, 2018 11:15 am
Forum: Investing - Help with Personal Investments
Topic: 401(k) asset allocation for nearing retirement
Replies: 3
Views: 472

Re: 401(k) asset allocation for nearing retirement

So, for a 30/70 stocks/ bonds, it would go like this. 15% Principal Global Investors, Large Cap S&P Index Separate Account 5% Principal, SmallCap S&P 600 Index Separate Account 10% Capital Research and Mgmt Co, American Funds EuroPacific Growth R5 Fund 70% Fidelity Advisor Total Bond I Fund ... Goi...
by Mors
Sun Mar 04, 2018 7:09 pm
Forum: Investing - Help with Personal Investments
Topic: 29 year old looking for help with Asset Allocation [Australia]
Replies: 6
Views: 655

Re: 29 year old looking for help with Asset Allocation [Australia]

Greetings. I am of the opinion to cut down your plan to 5-7 etfs, otherwise you make your portfolio much harder to manage. David Swensen in his book "Pioneering Portfolio Management" also argues against too many separate asset classes. For example. VAS Vanguard Australian Shares Index VGS + VGAD Van...
by Mors
Sun Mar 04, 2018 6:54 pm
Forum: Investing - Help with Personal Investments
Topic: 401(k) asset allocation for nearing retirement
Replies: 3
Views: 472

Re: 401(k) asset allocation for nearing retirement

Greetings. The TDF is decent. Generally, a combination of the index funds available would be better, but given the only mediocre choice available for a bond fund, and the fact that the majority of the amount invested will be in bonds, the benefit of a custom allocation will probably not be spectacul...
by Mors
Sat Mar 03, 2018 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: Three-Fund Portfolio with ETFs for European/Swiss investor
Replies: 5
Views: 793

Re: Three-Fund Portfolio with ETFs for European/Swiss investor

You are fine. They only thing I could add is to consider a small allocation in emerging markets bonds. I would suggest to have a part of your stock etfs euro-hedged, but I do not see how you can do it without choosing more expensive and less liquid funds so I omit it. Maybe making stocks/bonds alloc...
by Mors
Fri Mar 02, 2018 4:03 pm
Forum: Investing - Help with Personal Investments
Topic: [401k Advice on replicating Target fund]
Replies: 5
Views: 375

Re: [401k Advice on replicating Target fund]

You have a fine portfolio, nothing important to add. You have over-weighted small cap by ~5%. I would not take that bet, or if I did I may had chosen a small cap value to accompaniment my core holdings. I may also prefer the PIMCO bond fund, since I find them more "trustworthy" and they have consist...
by Mors
Tue Feb 27, 2018 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: Euro denominated ETF portfolio
Replies: 7
Views: 390

Re: Euro denominated ETF portfolio

Check here about PEA. https://www.service-public.fr/particuliers/vosdroits/F2385 From r/vosfinances, "PEA can only be invested in equities of the European Union, but these rules can be easily circumvented with synthetic ETFs. Excellent support for investing in the stock market without paying the PFU...
by Mors
Mon Feb 26, 2018 10:04 pm
Forum: Investing - Help with Personal Investments
Topic: TSP & taxable allocations, near retirement
Replies: 7
Views: 952

Re: TSP & taxable allocations, near retirement

You lose access to the attractive Google fund if move your bonds in taxable. There is no similar loss if you so the other way around, on top of being more tax efficient.

Keeping the fixed income in tsp seems like the best solution.
by Mors
Mon Feb 26, 2018 9:50 pm
Forum: Investing - Help with Personal Investments
Topic: Best mix of short-term and intermediate-term bond funds?
Replies: 9
Views: 1142

Re: Best mix of short-term and intermediate-term bond funds?

I believe that in the long term a total bond fund will overperform a short term fund, despite the rising rates currently.
by Mors
Mon Feb 26, 2018 10:15 am
Forum: Investing - Help with Personal Investments
Topic: P2P Platforms for EU investors?
Replies: 10
Views: 623

Re: P2P Platforms for EU investors?

A neat trick to use bogus words like "alternative", "risk premium" etc. to justify a huge management fee. Sometimes the fees are somewhat justified because of the nature of the fund, like some funds from AQR. This fund though is definitely not one of them. haha :D good point, though a number of wea...
by Mors
Sun Feb 25, 2018 1:05 am
Forum: Investing - Help with Personal Investments
Topic: 403 fund allocation Advice
Replies: 4
Views: 363

Re: 403 fund allocation Advice

Ruralavalon said what it had to be said. For an allocation of 90/10 stocks bonds, I would go like this. 45% VANGUARD INST INDEX 10% VANGUARD SMALL CAP INDEX INSTL 35% VANGUARD TTL INTL STK IND 10% VANGUARD TOTAL BOND INDEX 60/40 us/int like Vanguard uses in its TDFs, 80/20 large/small cap. It has to...
by Mors
Sun Feb 25, 2018 12:59 am
Forum: Investing - Help with Personal Investments
Topic: P2P Platforms for EU investors?
Replies: 10
Views: 623

Re: P2P Platforms for EU investors?

A neat trick to use bogus words like "alternative", "risk premium" etc. to justify a huge management fee.

Sometimes the fees are somewhat justified because of the nature of the fund, like some funds from AQR. This fund though is definitely not one of them.
by Mors
Sun Feb 25, 2018 12:49 am
Forum: Investing - Help with Personal Investments
Topic: TSP & taxable allocations, near retirement
Replies: 7
Views: 952

Re: TSP & taxable allocations, near retirement

Check here. https://www.bogleheads.org/wiki/Thrift_Savings_Plan https://www.bogleheads.org/wiki/TSP_Lifecycle_funds Keeping your TSP in the L fund is a perfectly valid choice. The I fund will change its tracking index to ACWI ex US IMI this year most likely, so it will include EM and everything else...
by Mors
Sat Feb 24, 2018 1:46 pm
Forum: Investing - Help with Personal Investments
Topic: Wife's 401K Options, Need help while early in the game
Replies: 4
Views: 256

Re: Wife's 401K Optioins, Need help while early on the game

You can make a 3 fund portfolio of 90/10 stocks/bonds like this: 55% US stocks 45% Vanguard 500 Index Fund 10% Vanguard Small Cap Index Fund 35% Int stocks 35% Vanguard Total International Stock Index Fund 10% US bonds 10% Vanguard Intermediate-Term Bond Index Fund I omitted the Midcap index fund si...
by Mors
Fri Feb 23, 2018 6:01 pm
Forum: Investing - Help with Personal Investments
Topic: Guaranteed 2% return?
Replies: 34
Views: 2966

Re: Guaranteed 2% return?

I would keep it as long as I can guarantee the minimum payments. Maybe increase my emergency fund a bit to compensate for the added risk.
by Mors
Fri Feb 23, 2018 12:37 am
Forum: Investing - Help with Personal Investments
Topic: Diversification when total market isn't an option...
Replies: 10
Views: 772

Re: Diversification when total market isn't an option...

I would go invest 80% in VFIAX in the 403b plan and 20% in an Extended market fund in an IRA. https://fundresearch.fidelity.com/mutual-funds/summary/315911503 Otherwise use the midcap value and small cap grwoth to approximate the total stock market like the boglheads page suggests, or 80/5/15 large/...