Search found 89 matches

by PackersFan12
Sat Aug 01, 2020 10:40 pm
Forum: Personal Investments
Topic: Starting a new Roth - Advice?
Replies: 18
Views: 792

Re: INDEX FUNDS

VTSAX
by PackersFan12
Tue Jun 23, 2020 3:37 pm
Forum: Personal Consumer Issues
Topic: How do restaurants add value?
Replies: 8
Views: 1034

Re: How do you restaurants add value?

The value of going to a restaurant, for me, is that I don't have to cook.
by PackersFan12
Wed May 13, 2020 3:39 pm
Forum: Investing - Theory, News & General
Topic: Didn't receive Q1 2020 dividend for VFSAX (Vanguard FTSE All-World ex-US Small-Cap Index Fund)
Replies: 8
Views: 1008

Didn't receive Q1 2020 dividend for VFSAX (Vanguard FTSE All-World ex-US Small-Cap Index Fund)

I just realized I didn't get a divided for quarter 1 2020 for this fund. I called Vanguard to ask what happened, and the person I talked to didn't seem to know (very disappointed with Vanguard's customer service with regards to this and other issues, but that's another can of worms). Does anyone kno...
by PackersFan12
Wed May 13, 2020 2:56 pm
Forum: Personal Investments
Topic: My Portfolio - Critique it
Replies: 6
Views: 522

Re: My Portfolio - Critique it

Do you plan on sticking with it for the long haul? I think that's the most important thing.
by PackersFan12
Tue May 05, 2020 2:27 pm
Forum: Personal Investments
Topic: VTSAX or VTWAX over the next 35 years?
Replies: 181
Views: 31646

Re: VTSAX or VTWAX over the next 35 years?

Bumping this to see if there are any other opinions.
by PackersFan12
Tue Mar 17, 2020 12:03 pm
Forum: Investing - Theory, News & General
Topic: What are people buying that will rebound post-corona?
Replies: 10
Views: 660

Re: What are people buying that will rebound post-corona?

Total US Stock Market, Small Caps, and Total International
by PackersFan12
Fri Mar 13, 2020 8:45 pm
Forum: Investing - Theory, News & General
Topic: International is in meltdown
Replies: 308
Views: 22658

Re: International is in meltdown

watchnerd wrote: Fri Mar 13, 2020 8:28 pm This debate will keep happening until US underperforms ex-US for 2-3 years.
To be fair though, we have been hearing for the last several years that ex-US is going to outperform and it still has yet to happen
by PackersFan12
Wed Mar 11, 2020 1:59 pm
Forum: Personal Investments
Topic: officially bear market ...
Replies: 77
Views: 7142

Re: officially bear market ...

Stay the course.
by PackersFan12
Thu Feb 27, 2020 1:13 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 4012
Views: 309762

Re: Coronavirus and the market

S
T
A
Y

T
H
E

C
O
U
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S
E
by PackersFan12
Fri Feb 21, 2020 2:59 pm
Forum: Personal Investments
Topic: Car Loan pay off or VTSAX
Replies: 32
Views: 1763

Re: Car Loan pay off or VTSAX

I have a similar situation, though my car loan is ~$6,400 at 3.24% interest. I'm making the monthly payments of $280 per month, though I wonder if I should just try to pay it off or continue to invest in Roth IRA, HSA, 457 Roth...etc.
by PackersFan12
Tue Jan 28, 2020 12:46 pm
Forum: Personal Investments
Topic: What is the most aggressive Boglehead allocation for a Roth IRA?
Replies: 38
Views: 3786

Re: What is the most aggressive Boglehead allocation for a Roth IRA?

What are your reasons for the small cap indexes? I'm currently 83% in VTSAX and 17% VTIAX at 31. I previously had small and mid cap indexes but decided just to capture it all with the total market index fund. Overall, you're definitely aggressive and if you won't sell during a market crash then jus...
by PackersFan12
Tue Jan 28, 2020 11:45 am
Forum: Personal Investments
Topic: What is the most aggressive Boglehead allocation for a Roth IRA?
Replies: 38
Views: 3786

What is the most aggressive Boglehead allocation for a Roth IRA?

I'm thinking of doing this allocation for my Roth IRA: 50% Total US Stock Market (VTSAX) 25% Small Cap (VSMAX) 25% International Small Cap (VFSAX) I'm 29, so I can afford to be aggressive, and I'm willing to handle the ups and downs the market will give us in the decades to come. What are your thoug...
by PackersFan12
Fri Jan 10, 2020 9:50 am
Forum: Personal Finance (Not Investing)
Topic: What age did you reach 100K networth?
Replies: 433
Views: 94707

Re: What age did you reach 100K networth?

I actually just hit 100K net worth today! I'm 29. I don't make a lot of money (I'm an underpaid government worker), but I have been able to max out my Roth IRA and HSA, contribute to my 457 Roth plan, contribute to my pension plan, and make contributions to my taxable brokerage account. Slow and ste...
by PackersFan12
Thu Jan 09, 2020 7:31 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Total International Stock Index Fund
Replies: 69
Views: 5285

Re: Vanguard Total International Stock Index Fund

Just allocate 20% to 33% of your equities to international, and be done with it. I've found that this is not a topic that needs to be overthought.
by PackersFan12
Wed Jan 08, 2020 4:47 pm
Forum: Investing - Theory, News & General
Topic: What goes on at night with the S&P?
Replies: 12
Views: 1528

Re: What goes on at night with the S&P?

thelateinvestor43 wrote: Wed Jan 08, 2020 4:30 pm
langlands wrote: Wed Jan 08, 2020 4:11 pm Futures trade overnight.
So can futures trading over night give you an idea what the S&P will do the next day?

Thanks
Yes
by PackersFan12
Thu Dec 26, 2019 12:10 am
Forum: Investing - Theory, News & General
Topic: Question about SECURE and no more stretch IRAs
Replies: 50
Views: 3863

Re: Question about SECURE and no more stretch IRAs

I wonder what the rationale is for the requirement to withdraw all assets from a Roth IRA within a 10 year period. I guess I understand why this would be required for a traditional account, but with a Roth, the tax has already been paid, so why does a Roth account need to be fully withdrawn in 10 ye...
by PackersFan12
Sat Dec 21, 2019 11:02 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 8904
Views: 707011

Re: U.S. stocks continue to soar!

THIS BULL MARKET WILL NEVER END!!!!!!!!!!!!!!!!! EVER!!!!!!!!!!!
by PackersFan12
Thu Dec 12, 2019 1:50 pm
Forum: Investing - Theory, News & General
Topic: Fidelity on International Markets
Replies: 48
Views: 3769

Re: Fidelity on International Markets

Great, another international thread. Just what we needed.
by PackersFan12
Wed Dec 11, 2019 12:33 pm
Forum: Investing - Theory, News & General
Topic: Vanguard going to do TV commercials
Replies: 62
Views: 5469

Why doesn't Vanguard advertise on TV like other companies?

[Thread merged into here, see below (next page). --admin LadyGeek]

I don't watch a whole lot of television, but when I do, I get inundated with commercials from Fidelity, TD Ameritrade, Schwab, E-trade, though nothing from Vanguard. What gives?
by PackersFan12
Wed Dec 04, 2019 6:42 pm
Forum: Personal Investments
Topic: How do I get an ETF from ProShares into my IRA?
Replies: 5
Views: 278

How do I get an ETF from ProShares into my IRA?

I'm interested in getting SPXE (ProShare S&P 500 Ex-Energy ETF) into my IRA. I know we don't discuss politics on this board, but for my own reasons, I don't want to be invested in the energy sector going forward. I'm interested in getting this ETF, but I am not quite sure how I go about it. I've nev...
by PackersFan12
Fri Nov 29, 2019 9:52 am
Forum: Investing - Theory, News & General
Topic: Yes, another International vs Domestic Thread
Replies: 212
Views: 10946

Re: Yes, another International vs Domestic Thread

He’s not an academic, but JL Collins is also on the 100% US boat.
by PackersFan12
Mon Nov 11, 2019 2:14 pm
Forum: Personal Investments
Topic: Dad is looking to move money out of Fisher Investments...need advice
Replies: 16
Views: 3340

Re: Dad is looking to move money out of Fisher Investments...need advice

Thanks for the advice everyone. I'll be sharing this post with him, so thanks.
by PackersFan12
Sun Nov 10, 2019 9:46 pm
Forum: Personal Investments
Topic: Dad is looking to move money out of Fisher Investments...need advice
Replies: 16
Views: 3340

Re: Dad is looking to move money out of Fisher Investments...need advice

I agree with homestretch. Your parents have a lot of money relative to what is needed to cover their planned spending. That means they can allocate that money about any way they want to. Your three scenarios are so similar there is no real choice among them. The real question is how much tolerance ...
by PackersFan12
Sun Nov 10, 2019 3:44 pm
Forum: Personal Investments
Topic: Dad is looking to move money out of Fisher Investments...need advice
Replies: 16
Views: 3340

Dad is looking to move money out of Fisher Investments...need advice

My dad has a fair amount of his and my mom's retirement money at Fisher Investments. I recommended to him that he read "The Little Book of Common Sense Investing", and I think he's starting to catch on. He asked that I give him some proposed asset allocations in the event he decides to move some or ...
by PackersFan12
Fri Nov 01, 2019 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Why is money such a taboo topic?
Replies: 12
Views: 1285

Why is money such a taboo topic?

Seriously, why? Why are people so afraid and uncomfortable to talk about money?
by PackersFan12
Fri Oct 04, 2019 7:46 pm
Forum: Personal Investments
Topic: Sold stock and received check- not sure if I should cash it
Replies: 2
Views: 826

Sold stock and received check- not sure if I should cash it

When I was a kid, my dad bought stock for me, and the stock was held in a UTMA account with my dad being the custodian. Now that I'm a Boglehead, owning individual stock does not align with my investing philosophy, so I decided to sell the stock. I called the Shareowners Services phone number, and I...
by PackersFan12
Fri Aug 30, 2019 11:42 am
Forum: Investing - Theory, News & General
Topic: Is now still a good time to buy VTSAX?
Replies: 45
Views: 4337

Re: Is now still a good time to buy VTSAX?

Not to be a * but consider the following. You are arguably in the most developed, open, transparent economy in the world (contrast with Japan, India, China etc). We still are the world's reserve currency and despite our massive debt people still want to buy our debt securities. People will risk the...
by PackersFan12
Thu Aug 29, 2019 11:14 am
Forum: Investing - Theory, News & General
Topic: Is now still a good time to buy VTSAX?
Replies: 45
Views: 4337

Re: Is now still a good time to buy VTSAX?

02nz wrote: Thu Aug 29, 2019 11:10 am You’re saying you know you shouldn’t time the market but are asking whether you should do just that? :confused
I'm saying that it's easier said than done to ignore all of the noise.

As for market conditions, I'm talking about a decade plus bull market and a P/E ratio that is fairly high.
by PackersFan12
Thu Aug 29, 2019 10:05 am
Forum: Investing - Theory, News & General
Topic: Is now still a good time to buy VTSAX?
Replies: 45
Views: 4337

Is now still a good time to buy VTSAX?

Anyone continuing to buy VTSAX with these market conditions? I know I shouldn't market time, but it's hard to tune out the noise.
by PackersFan12
Fri Aug 02, 2019 6:19 pm
Forum: Personal Investments
Topic: Roth 457 to Roth IRA rollover questions
Replies: 2
Views: 218

Re: Roth 457 to Roth IRA rollover questions

will this create any taxes or penalties for me? If you roll it directly from the Roth 457 to the Roth IRA, no. I am assuming the Roth 457 is governmental. If not governmental you can't roll it over at all. will I be getting a 1099-R for this and have to report this on my tax return? You will be get...
by PackersFan12
Fri Aug 02, 2019 5:32 pm
Forum: Personal Investments
Topic: Roth 457 to Roth IRA rollover questions
Replies: 2
Views: 218

Roth 457 to Roth IRA rollover questions

Hello- I'm going to soon be leaving my current employer, and I have some money in my Roth 457 plan. All of the contributions in the plan were Roth contributions. Once I leave, I want to rollover the balance to my Roth IRA at Vanguard. My questions are: will this create any taxes or penalties for me?...
by PackersFan12
Mon Jul 29, 2019 6:53 pm
Forum: Investing - Theory, News & General
Topic: A low-cost 5 fund Boglehead portfolio
Replies: 137
Views: 27201

Re: A low-cost 5 fund Boglehead portfolio

Vineviz, can you construct something comparable using Vanguard mutual funds; not ETFs?
by PackersFan12
Sun Jul 28, 2019 7:22 pm
Forum: Investing - Theory, News & General
Topic: Why Mr. Bogle prefers U.S stocks
Replies: 241
Views: 20963

Re: Why Mr. Bogle prefers U.S stocks

I long carried 25% international. Now I'm down to probably sub 10%. At some point I'll move back up to a higher level, but it'll mostly be EMs....and only after I start seeing any sign that those markets are gaining momentum. Yes, this is some manner of market timing, shrug. I do think there is a g...
by PackersFan12
Sat Jul 27, 2019 4:11 pm
Forum: Personal Investments
Topic: Vanguard Info Tech VITAX
Replies: 11
Views: 1321

Re: Vanguard Info Tech VITAX

I don't think you'll find many fans of VITAX on this forum as a main/core holding. I personally prefer to get tech equity exposure via VTSAX.

:sharebeer
by PackersFan12
Sun Jul 21, 2019 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: When family members fight over the check when out to eat
Replies: 103
Views: 8935

Re: When family members fight over the check when out to eat

I personally find it absurd that you didn’t offer to pay. This is your mother correct? I can’t ever imagine expecting or even allowing my parent to pay for dinner on their birthday. I would have said mom sit down. This is between sis, bil, and I. But again we would have worked it out beforehand. No...
by PackersFan12
Fri Jul 19, 2019 8:42 pm
Forum: Personal Investments
Topic: 21 Year Old with Roth Ira Looking for Investment Split Advice
Replies: 12
Views: 722

Re: 21 Year Old with Roth Ira Looking for Investment Split Advice

Choosing an allocation that you're comfortable with and you'll stick with in the rough times is the most important thing here.

Me personally, I like having Total US Stock as my main foundation, and then I tilt a bit towards Small Caps.

It's really up to you.
by PackersFan12
Wed Jul 10, 2019 8:51 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 8904
Views: 707011

S&P 500 hit 3,000 today

[Thread merged into here, see below (several pages after this one). --admin LadyGeek]

Thoughts? Reactions?
by PackersFan12
Sat Jul 06, 2019 7:41 pm
Forum: Investing - Theory, News & General
Topic: No More Posts Of Larry Swedroe Essays [by Random Walker]
Replies: 64
Views: 7917

Re: No More Posts Of Larry Swedroe Essays

Wow, so Bogleheads is in favor of censorship? Is this Russia circa 1917?
by PackersFan12
Sat Jun 29, 2019 9:27 pm
Forum: Investing - Theory, News & General
Topic: Is anyone else worried about tech becoming too big/overvalued?
Replies: 54
Views: 5162

Is anyone else worried about tech becoming too big/overvalued?

To be honest, I'm getting somewhat worried about the tech sector and current valuations for some of the larger tech companies. I was just looking at some of the PE ratios for Amazon, Google, and Microsoft, and it's a bit alarming to see how high they are and the market capitalization these companies...
by PackersFan12
Tue Jun 25, 2019 9:01 pm
Forum: Personal Investments
Topic: What Allocation of International for Portfolio
Replies: 9
Views: 1150

Re: What Allocation of International for Portfolio

Great, another international thread
by PackersFan12
Mon Jun 24, 2019 9:21 am
Forum: Investing - Theory, News & General
Topic: Vanguard Small Cap Growth Fund or Info Tech ETF?
Replies: 9
Views: 1118

Re: Vanguard Small Cap Growth Fund or Info Tech ETF?

David Jay wrote: Mon Jun 24, 2019 9:16 am What specialized knowledge do you have about the InfoTech companies that comprise the fund that the market does not know and has not already priced into the value of these companies?
Snap.
by PackersFan12
Sun Jun 23, 2019 4:07 pm
Forum: Investing - Theory, News & General
Topic: RIP to value investing...
Replies: 44
Views: 6770

RIP to value investing...

https://www.cnbc.com/2019/06/21/is-valu ... ed-it.html

And yes, I realize that CNBC is just noise...
by PackersFan12
Tue Jun 18, 2019 11:23 am
Forum: Investing - Theory, News & General
Topic: Should I abandon the Total International Stock Index Fund for greener pastures?
Replies: 142
Views: 16767

Re: Should I abandon the Total International Stock Index Fund for greener pastures?

Is it possible to have too much diversification in a mutual fund? This is just an anecdotal observation, but it seems like the Total International Stock index never seems to fire on all cylinders because if one area of the index is doing well, there's another area of the index that does poorly, whic...
by PackersFan12
Sat Jun 08, 2019 9:16 am
Forum: Personal Investments
Topic: VTSAX or VTWAX over the next 35 years?
Replies: 181
Views: 31646

Re: VTSAX or VTWAX over the next 35 years?

Bump.

Instead of choosing between TVSAX or VTWAX, why not have both for the investor (like me) who wants international diversification, but may not be completely comfortable with a global market cap and wants to overweight US equities?