Search found 17 matches

by CalMac91
Mon Mar 05, 2018 12:41 pm
Forum: Investing - Theory, News & General
Topic: A time to EVALUATE your jitters
Replies: 283
Views: 242770

Re: A time to EVALUATE your jitters

Thank you so much for this post! It was EXACTLY what I needed to read today
by CalMac91
Thu Jan 25, 2018 9:16 am
Forum: Investing - Help with Personal Investments
Topic: New to Vanguard - Switching from SEI - Need allocation advice
Replies: 37
Views: 1820

Re: New to Vanguard - Switching from SEI - Need allocation advice

PIMCO Income Fund Inst has an ER of .50%, so it's expensive from a Boglehead perspective. But not too terrible. If 80/20 heals you sleep well at night, then go for it! Actively managed funds get whacked in a bear market too. No one has a crystal ball. The difference is that you pay the active manag...
by CalMac91
Thu Jan 25, 2018 9:00 am
Forum: Investing - Help with Personal Investments
Topic: New to Vanguard - Switching from SEI - Need allocation advice
Replies: 37
Views: 1820

Re: New to Vanguard - Switching from SEI - Need allocation advice

So I have my finger on the trigger to do an 80/20 in my Roth 401k, because I am admittedly nervous about an entire pour into stocks. I was thinking 80% into 9889 Vanguard Total Intl Stk Index Fd Adm and 20% into 3524 PIMCO Income Fund Inst That's 8% of the total portfolio. What will you be doing in...
by CalMac91
Wed Jan 24, 2018 8:19 pm
Forum: Investing - Help with Personal Investments
Topic: New to Vanguard - Switching from SEI - Need allocation advice
Replies: 37
Views: 1820

Re: New to Vanguard - Switching from SEI - Need allocation advice

So I have my finger on the trigger to do an 80/20 in my Roth 401k, because I am admittedly nervous about an entire pour into stocks. I was thinking 80% into 9889 Vanguard Total Intl Stk Index Fd Adm and 20% into 3524 PIMCO Income Fund Inst Does this make sense? I am reading that investing entirely i...
by CalMac91
Wed Jan 24, 2018 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: New to Vanguard - Switching from SEI - Need allocation advice
Replies: 37
Views: 1820

Re: New to Vanguard - Switching from SEI - Need allocation advice

At 26, I'd probably be in 100% stocks; however, 90/10 is also aggressive. Tickers are investor shares, Admiral shares/ ETF Total Stock Market Index 55% VTSMX/VTSAX/VTI Total International Stock Index 35% VGTSX/VTIAX/VXUS Total Bond Market Index 7% VBMFX/VBTLX/BND Total International Bond Index 3% V...
by CalMac91
Wed Jan 24, 2018 10:06 am
Forum: Investing - Help with Personal Investments
Topic: New to Vanguard - Switching from SEI - Need allocation advice
Replies: 37
Views: 1820

Re: New to Vanguard - Switching from SEI - Need allocation advice

Yes, 100% stock in your Roth IRA. But you can only contribute a total of $5500 for IRA. You can split that between Roth and Traditional if you like. ETA: Always think of all your accounts as one portfolio. Like Tyler's examples above. Not 70/30 in your Rollover IRA which is 90% of your portfolio. 6...
by CalMac91
Wed Jan 24, 2018 10:01 am
Forum: Investing - Help with Personal Investments
Topic: New to Vanguard - Switching from SEI - Need allocation advice
Replies: 37
Views: 1820

Re: New to Vanguard - Switching from SEI - Need allocation advice

Asset allocation. At age 26 I suggest about 20% in bonds. This is,expected to significantly reduce portfolio volatility (risk), with only a relatively small reduction in portfolio performance. I suggest about 20-30% of stocks in international stocks. Historically 20% of stocks in international stoc...
by CalMac91
Wed Jan 24, 2018 8:16 am
Forum: Investing - Help with Personal Investments
Topic: New to Vanguard - Switching from SEI - Need allocation advice
Replies: 37
Views: 1820

Re: New to Vanguard - Switching from SEI - Need allocation advice

Re: one fund in the Roth -- Because I'm limited to $5500/year in a Roth, it tends to have less money in it than my 401k where I can contribute up to $18,500 (for 2018) plus the employer match. Also, bonds are more tax efficient in a tax deferred account (ie, my 401k). As a result, having Total Stoc...
by CalMac91
Tue Jan 23, 2018 10:26 pm
Forum: Investing - Help with Personal Investments
Topic: New to Vanguard - Switching from SEI - Need allocation advice
Replies: 37
Views: 1820

Re: New to Vanguard - Switching from SEI - Need allocation advice

I didn't read all the posts thoroughly, so I don't know if this was mentioned. You said, "Did not contribute to IRA last year, forgot to and missed the boat." If you are talking about 2017, you have until April 2018 to make your 2017 IRA contribution. If I were 26, I would open your 2017 IRA as a R...
by CalMac91
Tue Jan 23, 2018 10:24 pm
Forum: Investing - Help with Personal Investments
Topic: New to Vanguard - Switching from SEI - Need allocation advice
Replies: 37
Views: 1820

Re: New to Vanguard - Switching from SEI - Need allocation advice

Hi Cal - I agree with the general advice others have given you. The only potential complication of their advice is the minimum investment required to buy Vanguard's "Admiral" shares - which usually require a $10,000 minimum investment per fund. Since you said your IRA was in the lower 5-digit range...
by CalMac91
Tue Jan 23, 2018 10:14 pm
Forum: Investing - Help with Personal Investments
Topic: New to Vanguard - Switching from SEI - Need allocation advice
Replies: 37
Views: 1820

Re: New to Vanguard - Switching from SEI - Need allocation advice

100% International in Roth is absolutely correct. It's not unusual to hold solely one fund in a Roth. For example, the husband and I have two Roths and a solo 401k -- one fund each. (Plus Rollover IRAs with three funds each) ETA: If you prefer, switch it to VTSAX and Make the Rollover: 20% Vanguard...
by CalMac91
Tue Jan 23, 2018 7:19 pm
Forum: Investing - Help with Personal Investments
Topic: New to Vanguard - Switching from SEI - Need allocation advice
Replies: 37
Views: 1820

Re: New to Vanguard - Switching from SEI - Need allocation advice

Thanks, Tyler! So if I understand correctly, the Roth 401k has a 100% allocation to International stocks? That doesn't seem right, I must be misunderstanding that part. Could you clarify?
by CalMac91
Tue Jan 23, 2018 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: New to Vanguard - Switching from SEI - Need allocation advice
Replies: 37
Views: 1820

Re: New to Vanguard - Switching from SEI - Need allocation advice

These are the three funds you'll want in your traditional IRA once it's at Vanguard (at most): VTSAX Vanguard Total Stock Market Index Fund Admiral VTIAX Vanguard Total International Market Index Fund Admiral VTBLX Vanguard Total Bond Market Index Fund Admiral Another question for you -- what perce...
by CalMac91
Tue Jan 23, 2018 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: New to Vanguard - Switching from SEI - Need allocation advice
Replies: 37
Views: 1820

Re: New to Vanguard - Switching from SEI - Need allocation advice

Tyler Aspect wrote: ↑
Tue Jan 23, 2018 3:36 pm
Can you also add the available fund names of the 401k program? You included some of the funds that you had investments. Having the full list would be helpful for us to give specific recommendations.
Done! See Edit 2 on my OP. Thanks!
by CalMac91
Tue Jan 23, 2018 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: New to Vanguard - Switching from SEI - Need allocation advice
Replies: 37
Views: 1820

Re: New to Vanguard - Switching from SEI - Need allocation advice

Are you actually contributing to all of those funds in your Roth 401k? Let's stop that please! At most you need: 0899 Vanguard 500 Index Fund Adm 0756 Vanguard Mid-Cap Index Fund Adm 0757 Vanguard Small-Cap Index Fund Adm 9889 Vanguard Total Intl Stk Index Fd Adm In your Traditional IRA, are you sw...
by CalMac91
Tue Jan 23, 2018 3:18 pm
Forum: Investing - Help with Personal Investments
Topic: New to Vanguard - Switching from SEI - Need allocation advice
Replies: 37
Views: 1820

Re: New to Vanguard - Switching from SEI - Need allocation advice

Welcome to the forum :) . You are right to avoid any unnecessary fees for your investments. Low expenses are critical to long-term investing returns. Vanguard is an excellent choice for your IRA. Vanguard offers the largest selection of low expense mutual funds available anywhere. Hey everyone, I'm...
by CalMac91
Tue Jan 23, 2018 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: New to Vanguard - Switching from SEI - Need allocation advice
Replies: 37
Views: 1820

New to Vanguard - Switching from SEI - Need allocation advice

Hey everyone, I'm Cal, I am new to the board. A little bit about me: I have had an advisor for 7 years and I just broke the news to him yesterday that I am leaving him for Vanguard. I have my funds liquidated to a money market fund over at SEI and I am ready to transfer to Vanguard. I am hoping to g...