Search found 191 matches

by Mors
Mon Jul 16, 2018 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: MFs in India [Mutual Funds]
Replies: 18
Views: 1412

Re: MFs in India [Mutual Funds]

Here you will find all the ETFs available to the Indian stock exchange. https://en.wikipedia.org/wiki/List_of_Indian_exchange-traded_funds I see it lacks international exposure, other than Motilal Oswal Mutual Fund - Motilal Oswal MOSt Shares Nasdaq Index N100 ETF. You can also help yourself findin...
by Mors
Sat Jul 14, 2018 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: MFs in India [Mutual Funds]
Replies: 18
Views: 1412

Re: MFs in India [Mutual Funds]

Here you will find all the ETFs available to the Indian stock exchange. https://en.wikipedia.org/wiki/List_of_Indian_exchange-traded_funds I see it lacks international exposure, other than Motilal Oswal Mutual Fund - Motilal Oswal MOSt Shares Nasdaq Index N100 ETF. You can also help yourself finding...
by Mors
Mon Jul 09, 2018 2:06 pm
Forum: Investing - Help with Personal Investments
Topic: First Portfolio Ever (Australian ETFs)
Replies: 9
Views: 629

Re: First Portfolio Ever (Australian ETFs)

Your allocation is great. I like the new Vanguard all-in-one etfs. The extra fees fully justify the automatic rebalance and convenience. I find it ideal if you are new to investing, I would probably suggest it over the more complex alternative. Will you invest through a tax-advantaged account? I kno...
by Mors
Sun Jul 08, 2018 5:08 am
Forum: Investing - Help with Personal Investments
Topic: Please help with my 401k allocation at my second job
Replies: 12
Views: 885

Re: Please help with my 401k allocation at my second job

To be fair, the fid Co pool is a valid Choice as a small part of your US allocation. It's Manager has a proved record, the er is fair, it beat its benchmark in the past.

It does take more risk though, so be conservative with your allocation.

The fid worldwide is relatively expensive.
by Mors
Sun Jul 08, 2018 4:54 am
Forum: Investing - Help with Personal Investments
Topic: US:International allocation ratio
Replies: 18
Views: 1526

Re: US:International allocation ratio

I say follow the way of Vanguard. It is market cap + a small US bias because of lower currency risk and lower cost. Seems fair and straight forward.
by Mors
Sat Jul 07, 2018 4:17 am
Forum: Investing - Help with Personal Investments
Topic: Please help with my 401k allocation at my second job
Replies: 12
Views: 885

Re: Please help with my 401k allocation at my second job

In addition to the funds mentioned, consider these: Compliment the fid int index with dfa emerging markets . It is relatively expensive but it gives access to em, so you diversify further in a part of the world with high growth potential according to current consensus. Many also believe that the qua...
by Mors
Fri Jul 06, 2018 5:44 pm
Forum: Investing - Help with Personal Investments
Topic: [Europe] [Belgium] Investing with DEGIRO
Replies: 25
Views: 1358

Re: [Europe] [Belgium] Investing with DEGIRO

Degiro also offers a cheap amundi emerging markets etf. It has an outdated ISIN number in its list though, the fund was merged with a newer. This is it. https://www.justetf.com/de-en/etf-profile.html?isin=LU1681045453 That is the one Degiro has in its list. https://www.justetf.com/de-en/etf-profile....
by Mors
Thu Jul 05, 2018 4:35 pm
Forum: Investing - Help with Personal Investments
Topic: UK - How to start
Replies: 3
Views: 261

Re: UK - How to start

Check here. http://monevator.com/compare-uk-cheapest-online-brokers/ Vanguard UK is a great place to start investing, and it is beginner friendly with their Lifestrategy and target retirement allocations. When you reach 50k, then the flat fee brokers like the ones Ted mentioned become the more favor...
by Mors
Tue Jul 03, 2018 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Help for a beginner investor in Germany
Replies: 22
Views: 1895

Re: Help for a beginner investor in Germany

So how are the dividends of those ETFs handled in Germany? And capital gains? Read these. https://www.justetf.com/de/news/etf/etf-und-steuern-das-neue-investmentsteuergesetz-ab-2018.html https://www.justetf.com/de/news/geldanlage/der-sparerpauschbetrag.html Essentially, both dividends and non-reali...
by Mors
Mon Jul 02, 2018 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: Husband's job finally has a 401k offering with unusual funds
Replies: 29
Views: 2084

Re: Husband's job finally has a 401k offering with unusual funds

No match :( he works for a nonprofit and I was happy to see that we had a 401k at all this year. So, recognizing these funds have pretty high ERs, would you recommend NOT maxing it out? I currently max out my 401k, we did the small backdoor Roth for me (he has too many rollover IRAs to make it wort...
by Mors
Mon Jul 02, 2018 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: Husband's job finally has a 401k offering with unusual funds
Replies: 29
Views: 2084

Re: Husband's job finally has a 401k offering with unusual funds

I am not impressed with the high fee index funds that are available. With these fees, I woudl rather go with the cheaper actively managed funds that their managers have a proven track record and do not take excessive risk.I would invest in: Fixed income Invesco Stable Asset Fund 1.08% PGIM Total Ret...
by Mors
Mon Jul 02, 2018 11:50 am
Forum: Investing - Help with Personal Investments
Topic: Do you own just 5% of anything?
Replies: 65
Views: 4945

Re: Do you own just 5% of anything?

I could see myself holding 5% of an EM bond fund.
by Mors
Sun Jul 01, 2018 3:40 pm
Forum: Investing - Theory, News & General
Topic: What is your one favorite Fidelity Fund??
Replies: 58
Views: 4852

Re: What is your one favorite Fidelity Fund??

The Contrafund fund (FCNTX) and the Low-Priced Stock fund (FLPSX) would be my-go to funds if I wanted to supplement the the index fund that make the core of my portfolio.
by Mors
Fri Jun 29, 2018 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: 401(k) through SavingsPlusNow
Replies: 8
Views: 518

Re: 401(k) through SavingsPlusNow

1) It is a FoF (Fund of Funds) structure, which is generally an expensive way to diversify while keeping your portfolio simple. Given that etfs are generally cheap though, and that the management fee on top is also very small, it is valid choice. 2) In general you should not alter your allocation j...
by Mors
Fri Jun 29, 2018 5:57 pm
Forum: Investing - Help with Personal Investments
Topic: Help for a beginner investor in Germany
Replies: 22
Views: 1895

Re: Help for a beginner investor in Germany

So how are the dividends of those ETFs handled in Germany? And capital gains? Read these. https://www.justetf.com/de/news/etf/etf-und-steuern-das-neue-investmentsteuergesetz-ab-2018.html https://www.justetf.com/de/news/geldanlage/der-sparerpauschbetrag.html Essentially, both dividends and non-reali...
by Mors
Thu Jun 28, 2018 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: 401(k) through SavingsPlusNow
Replies: 8
Views: 518

Re: 401(k) through SavingsPlusNow

1) It is a FoF (Fund of Funds) structure, which is generally an expensive way to diversify while keeping your portfolio simple. Given that etfs are generally cheap though, and that the management fee on top is also very small, it is valid choice. 2) In general you should not alter your allocation ju...
by Mors
Wed Jun 27, 2018 1:29 pm
Forum: Investing - Help with Personal Investments
Topic: Help for a beginner investor in Germany
Replies: 22
Views: 1895

Re: Help for a beginner investor in Germany

Hi Mors, I have them on the Deka Bank: https://preview.ibb.co/eBEiPo/Screenshot_1.png Thanks for the heads up. Since opening an account is so easy I might just get one at comdirect instead! You should probably sell. Comdirect also offers in a savings plan this small cap etf to combine with the Vang...
by Mors
Tue Jun 26, 2018 12:44 pm
Forum: Investing - Help with Personal Investments
Topic: Help for a beginner investor in Germany
Replies: 22
Views: 1895

Re: Help for a beginner investor in Germany

Hi Mors, thanks a lot for all the reading material! I will make sure to read all of it. I am planning on opening a free portfolio account from Ing Diba and purchase the ETFs monthly directly through there. I think I can get some info if I should be worried about taxation from the websites you sent ...
by Mors
Mon Jun 25, 2018 5:52 pm
Forum: Investing - Help with Personal Investments
Topic: Help for a beginner investor in Germany
Replies: 22
Views: 1895

Re: Help for a beginner investor in Germany

Justetf is ideal for research in ETFs and German brokers. Bogleheads wiki also has relevant pages. Also read the investing and retirement section of finanztip. They make a case for etf investing through insurance. I will post a good example of such a product. https://www.finanztip.de/altersvorsorge/...
by Mors
Thu Jun 21, 2018 5:30 pm
Forum: Investing - Help with Personal Investments
Topic: [100% stock, uncomfortable with international]
Replies: 66
Views: 6076

Re: [100% stock, uncomfortable with international]

Aren't you afraid of a Japan-like recession by going all-in in the stock market of just one country, even if this one country is the USA? I mean, before the crash Japan stock market also appeared unstoppable. US has definitely a more mature stock market with a abetter track record, but an allocation...
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: 1411

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: 611

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: 11
Views: 1261

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: 2780

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: 741

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: 445

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: 640

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: 633

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: 769

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: 2744

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: 2113

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: 2744

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: 1507

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: 1507

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: 457

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: 2113

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: 2113

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: 633

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: 692

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: 626

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: 1745

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: 1745

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: 1745

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: 1745

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: 768

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: 1745

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: 2862

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: 461

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: 11781

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: 555

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.