Search found 56 matches

by kmwilson343
Sun Jun 09, 2019 5:29 pm
Forum: Personal Investments
Topic: How aggressive is your AA? Can you help me with mine?
Replies: 19
Views: 2252

Re: How aggressive is your AA? Can you help me with mine?

Given that you're about 10 years away from retirement, you should probably consider what AA you want during retirement. I would then recommend that you consider taking incremental steps to move your current AA to that AA, if needed, over the course of the next decade or so. what would a comfortable...
by kmwilson343
Sun Jun 09, 2019 5:25 pm
Forum: Personal Investments
Topic: How aggressive is your AA? Can you help me with mine?
Replies: 19
Views: 2252

Re: How aggressive is your AA? Can you help me with mine?

Given that you're about 10 years away from retirement, you should probably consider what AA you want during retirement. I would then recommend that you consider taking incremental steps to move your current AA to that AA, if needed, over the course of the next decade or so. This is exactly what I'm...
by kmwilson343
Sun Jun 09, 2019 5:24 pm
Forum: Personal Investments
Topic: How aggressive is your AA? Can you help me with mine?
Replies: 19
Views: 2252

Re: How aggressive is your AA? Can you help me with mine?

At age 47, an 80/20 portfolio is aggressive but not “wrong”. Your pension helps buffer the more aggressive AA. AA is extremely personal, it needs to reflect your personal response to market fluctuations. How will you respond to another 2008-2009 when the stock market drops 60%? I am essentially imm...
by kmwilson343
Sun Jun 09, 2019 5:21 pm
Forum: Personal Investments
Topic: How aggressive is your AA? Can you help me with mine?
Replies: 19
Views: 2252

Re: How aggressive is your AA? Can you help me with mine?

Thank you for all the input. Below is an understanding what I believe I am hearing people recommend: -Stay the course. -My AA is aggressive but the pension help makes the AA a bit more tolerable and I can "stomach" the ups and downs of the market. -Time to gradually start changing my AA to a more le...
by kmwilson343
Wed Jun 05, 2019 6:10 pm
Forum: Personal Investments
Topic: Hidden Fees? Can You Help Me Find Them?!
Replies: 28
Views: 2081

Re: Hidden Fees? Can You Help Me Find Them?!

:sharebeer Wow, thanks for doing all that math! If my calculations are correct with the above information, i'm paying $7.60 a month in fees (or close to $100 a year), which I do not see on my statements. Should this be something I should clarify with ICMA-RC? If so, can i just copy and paste the abo...
by kmwilson343
Wed Jun 05, 2019 5:42 pm
Forum: Personal Investments
Topic: How aggressive is your AA? Can you help me with mine?
Replies: 19
Views: 2252

How aggressive is your AA? Can you help me with mine?

How aggressive would you make your AA if you were me? Should I be more aggressive and decrease both VTIAX and VBTLX to increase the VTSAX? What percentages would you put next to the 3 fund portfolio (below) for a long term aggressive growth? How long would you keep those percentages in the 3 fund po...
by kmwilson343
Wed Jun 05, 2019 3:42 pm
Forum: Personal Investments
Topic: Hidden Fees? Can You Help Me Find Them?!
Replies: 28
Views: 2081

Re: Hidden Fees? Can You Help Me Find Them?!

kmwilson, as explained, expense ratios are taken daily and the returns you see are after the expense ratio is deducted, so ER isn't an issue. If you still can't explain where some money is going, it's due to other fees imposed by the 457 plan. There is another issue you have to watch, and that is s...
by kmwilson343
Wed Jun 05, 2019 3:34 pm
Forum: Personal Investments
Topic: Hidden Fees? Can You Help Me Find Them?!
Replies: 28
Views: 2081

Re: Hidden Fees? Can You Help Me Find Them?!

ERs are not fees. They are expenses deducted from the fund NAV on a daily basis. You are paying the ERs implicitly and the statement that your fees are 0.00% is correct. The only place anyone would see an actual report of fund income and expenses would be in the fund annual reports published by Van...
by kmwilson343
Tue Jun 04, 2019 11:46 pm
Forum: Personal Investments
Topic: Hidden Fees? Can You Help Me Find Them?!
Replies: 28
Views: 2081

Re: Hidden Fees? Can You Help Me Find Them?!

Wow, thanks for doing all that math! If my calculations are correct with the above information, i'm paying $7.60 a month in fees (or close to $100 a year), which I do not see on my statements. Should this be something I should clarify with ICMA-RC? If so, can i just copy and paste the above equatio...
by kmwilson343
Tue Jun 04, 2019 3:43 pm
Forum: Personal Investments
Topic: Hidden Fees? Can You Help Me Find Them?!
Replies: 28
Views: 2081

Re: Hidden Fees? Can You Help Me Find Them?!

The city I work for goes through ICMA-RC for the 457 Deferred Comp program which I max out every year. I follow the 3 fund portfolio with my AA being the following: VTSAX 65%, VTIAX 15%, VBTLX 20% (A bit aggressive since I will retire in less than 12 years, but I can stomach the ups and downs.) My ...
by kmwilson343
Tue Jun 04, 2019 3:26 pm
Forum: Personal Investments
Topic: Hidden Fees? Can You Help Me Find Them?!
Replies: 28
Views: 2081

Re: Hidden Fees? Can You Help Me Find Them?!

The city I work for goes through ICMA-RC for the 457 Deferred Comp program which I max out every year. I follow the 3 fund portfolio with my AA being the following: VTSAX 65%, VTIAX 15%, VBTLX 20% (A bit aggressive since I will retire in less than 12 years, but I can stomach the ups and downs.) My ...
by kmwilson343
Tue Jun 04, 2019 3:19 pm
Forum: Personal Investments
Topic: Hidden Fees? Can You Help Me Find Them?!
Replies: 28
Views: 2081

Re: Hidden Fees? Can You Help Me Find Them?!

Correct Silk, I do not enroll in any of the services offered in the "I. Plan Related Information" located in their PDF fee disclosure packet. Basically i'm using this company because they have the "3 fund portfolio" that are highly recommended through the Boglehaead community. https://accountaccess...
by kmwilson343
Sat Jun 01, 2019 10:27 am
Forum: Personal Investments
Topic: Hidden Fees? Can You Help Me Find Them?!
Replies: 28
Views: 2081

Re: Hidden Fees? Can You Help Me Find Them?!

If the 40 basis points are truly not being incurred by you explicitly on your statements it is possible your employer is paying them or there is some kind of revenue sharing happening thru the investments on your plan menu. I had this going on in a previous plan I had, see below... The OP is not in...
by kmwilson343
Sat Jun 01, 2019 9:59 am
Forum: Personal Investments
Topic: Hidden Fees? Can You Help Me Find Them?!
Replies: 28
Views: 2081

Re: Hidden Fees? Can You Help Me Find Them?!

happysteward wrote:
Sat Jun 01, 2019 8:08 am
Good catch silk, sorry OP, missed that...
No worries HappySteward :D.
by kmwilson343
Fri May 31, 2019 10:13 pm
Forum: Personal Investments
Topic: Hidden Fees? Can You Help Me Find Them?!
Replies: 28
Views: 2081

Hidden Fees? Can You Help Me Find Them?!

The city I work for goes through ICMA-RC for the 457 Deferred Comp program which I max out every year. I follow the 3 fund portfolio with my AA being the following: VTSAX 65%, VTIAX 15%, VBTLX 20% (A bit aggressive since I will retire in less than 12 years, but I can stomach the ups and downs.) My q...
by kmwilson343
Mon Jan 28, 2019 11:45 am
Forum: Personal Investments
Topic: Recommendation AA for 529 Plan
Replies: 4
Views: 297

Re: Recommendation AA for 529 Plan

how many years left for kids to start college?
i have a 9 year old, 15 year old and 17 year old.

amount currently saved in each account?
9 year old = 3K
15 and 17 year old = 8K each

expense ratios of funds.
will have to get back to you on that?
by kmwilson343
Mon Jan 28, 2019 11:20 am
Forum: Personal Investments
Topic: Recommendation AA for 529 Plan
Replies: 4
Views: 297

Recommendation AA for 529 Plan

Good day all, What is a good AA for my 3 kids 529 plan? I currently have the Sumday Plan Management DreamAhead College Investment Plan, which automatically converts and rebalances to a more conservative AA over the years (as i understand it) very similar to a target date retirement fund. The current...
by kmwilson343
Sat Jan 05, 2019 1:49 pm
Forum: Personal Investments
Topic: Target Date Fund vs. 3 Fund Portfolio
Replies: 53
Views: 18750

Re: Target Date Fund vs. 3 Fund Portfolio

I have both

Deferred Comp through my employer = 3 fund portfolio VBTLX, VTSAX & VTIAX.

Vanguard TDF = 2035 VTTHX (since I'm 46 and plan to retire in 2033-ish)

Hope this helps
Kevin
by kmwilson343
Sun Jul 01, 2018 11:43 am
Forum: Personal Investments
Topic: Should I add REIT’s to my fortfolio?
Replies: 9
Views: 860

Re: Should I add REIT’s to my fortfolio?

There were some recent threads asking the exact same question a couple months ago just when REITs were hitting lows so far YTD and just before they went up 8% to 10%. So do you want to buy them after their run-up? See: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=249215 https://www.boglehea...
by kmwilson343
Sun Jul 01, 2018 10:58 am
Forum: Personal Investments
Topic: Should I add REIT’s to my fortfolio?
Replies: 9
Views: 860

Should I add REIT’s to my fortfolio?

Hey fellow Bogleheads, I have been listening to the “investors Manifesto” audio book (very good and a wealth of info. but a bit over my head, lol) and while listening it was mentioned to add no more than 10% of REIT’s to a portfolio. My current AA is the following: VTSAX 65% VTIAX 15% VBTLX 20% (Yes...
by kmwilson343
Sat Jun 30, 2018 5:26 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey against index funds?
Replies: 57
Views: 6629

Re: Dave Ramsey against index funds?

willthrill81 wrote:
Thu Jun 28, 2018 8:00 pm
mortfree wrote:
Thu Jun 28, 2018 7:27 pm
Dave Ramsey for debt.

Bogleheads for Investing.

[/mic drop]
:thumbsup

Bingo.
+1
by kmwilson343
Wed Jun 20, 2018 6:44 pm
Forum: Personal Investments
Topic: 9 Mutual Funds Asset Allocation Help
Replies: 23
Views: 1616

Re: 9 Mutual Funds Asset Allocation Help

kmwilson, good job of figuring this out. My only comment would be at retirement I would not go as low as 20% equity. 35% equity minimum to continue some growth and cover withdrawals. It sounds like the "advisor" may be getting a bit of commission for getting you into more funds or certain funds. No...
by kmwilson343
Wed Jun 20, 2018 6:43 pm
Forum: Personal Investments
Topic: 9 Mutual Funds Asset Allocation Help
Replies: 23
Views: 1616

Re: 9 Mutual Funds Asset Allocation Help

Chip wrote: I agree with the recommendation for a 3 fund portfolio. Though many here recommend exposure to small stocks and value stocks. Bogleheads: It is important to understand that The Three-Fund Portfolio already holds the market weight in small stocks and value stocks. Best wishes. Taylor So ...
by kmwilson343
Wed Jun 20, 2018 9:58 am
Forum: Personal Investments
Topic: 9 Mutual Funds Asset Allocation Help
Replies: 23
Views: 1616

Re: 9 Mutual Funds Asset Allocation Help

So my question is, the IMCA-RC representative wanted to know why I changed what his company recommended, to the 3 fund portfolio? Could you help me give him a good answer and to make me feel more comfortable with the dramatic change (maybe a good teaching point for the rep. also :)? Or am I way off...
by kmwilson343
Wed Jun 20, 2018 9:52 am
Forum: Personal Investments
Topic: 9 Mutual Funds Asset Allocation Help
Replies: 23
Views: 1616

Re: 9 Mutual Funds Asset Allocation Help

I agree with the recommendation for a 3 fund portfolio. Though many here recommend exposure to small stocks and value stocks, that is a decision you should come to on your own after MUCH research. Note that the Victory Sycamore Established Value Fund has an ER of .90%. The mantra here is to keep co...
by kmwilson343
Tue Jun 19, 2018 9:53 pm
Forum: Personal Investments
Topic: 9 Mutual Funds Asset Allocation Help
Replies: 23
Views: 1616

Re: 9 Mutual Funds Asset Allocation Help

UPDATE: Hey gang, I felt it was important to share some thoughts and a huge thank you for all the help (you are all my new investment family members, lol). After reading several forums, read a few books, listen to some podcasts (Vanguard style) the decision was easier to make my 457 as simple as pos...
by kmwilson343
Sun Jun 17, 2018 11:16 pm
Forum: Personal Investments
Topic: Investment book recommendations?
Replies: 12
Views: 1478

Re: Investment book recommendations?

Thanks you to all who replied, I will take all the recommendations and start my investment library today :)
by kmwilson343
Fri Jun 15, 2018 9:29 pm
Forum: Personal Investments
Topic: Investment book recommendations?
Replies: 12
Views: 1478

Investment book recommendations?

Hey fellow Bogleheads. Trying to educate myself on investing. What books, audio books and podcasts do you recommend reading / listening too that apply to the normal average middle class investor to retire comfortably?
by kmwilson343
Fri Jun 15, 2018 7:15 pm
Forum: Personal Investments
Topic: $3K, Which Vanguard Mutual Fund?
Replies: 13
Views: 1502

Re: $3K, Which Vanguard Mutual Fund?

I'm a newbie here myself, but I believe the standard advice is to settle on an asset allocation (% stocks vs bonds) that you are comfortable with first, and then to balance your entire portfolio, across all accounts, to that allocation. I'm a beginner to investing and boy do I feel stupid :oops: , ...
by kmwilson343
Fri Jun 15, 2018 7:12 pm
Forum: Personal Investments
Topic: $3K, Which Vanguard Mutual Fund?
Replies: 13
Views: 1502

Re: $3K, Which Vanguard Mutual Fund?

That sounds like a fine plan. You can tweak it slightly, without any change to returns or risk, in a way that may result in less taxes paid down the road. That is to keep all of the bond portion of your portfolio in the 457 account. The funds in your Roth IRA will be allowed to grow and you will ne...
by kmwilson343
Fri Jun 15, 2018 4:35 pm
Forum: Personal Investments
Topic: $3K, Which Vanguard Mutual Fund?
Replies: 13
Views: 1502

Re: $3K, Which Vanguard Mutual Fund?

Thank you for the article, very informative. Quick question, since my Roth IRA is a completely separate account from my ICMA-RC (457 work plan) would it be recommended to put 100% in the VTSMX then when it reaches $10K switch it to 100% VTSAX? Or keep it diversified in the 2035 TDF? There's nothing...
by kmwilson343
Thu Jun 14, 2018 9:08 pm
Forum: Personal Investments
Topic: $3K, Which Vanguard Mutual Fund?
Replies: 13
Views: 1502

Re: $3K, Which Vanguard Mutual Fund?

It wasn't obvious to me until after reading about 100 posts exactly what people mean by allocating across all your accounts. Each account need not replicate the preferred portion of stocks and bonds. In fact, that is counter-productive. The explanation is contained on the tax-efficient fund placeme...
by kmwilson343
Wed Jun 13, 2018 11:59 pm
Forum: Personal Investments
Topic: $3K, Which Vanguard Mutual Fund?
Replies: 13
Views: 1502

Re: $3K, Which Vanguard Mutual Fund?

Hey everyone! I need some advice. My 457 and Vanguard Roth IRA TDF seem to be very similar (see below), now that I have $3K in my 2035 TDF, should I just let it ride? not sure what you mean by “let it ride” - it seems like the asset allocation in your Roth roughly matches your 457. If you are comfo...
by kmwilson343
Wed Jun 13, 2018 11:57 pm
Forum: Personal Investments
Topic: $3K, Which Vanguard Mutual Fund?
Replies: 13
Views: 1502

Re: $3K, Which Vanguard Mutual Fund?

I'm a newbie here myself, but I believe the standard advice is to settle on an asset allocation (% stocks vs bonds) that you are comfortable with first, and then to balance your entire portfolio, across all accounts, to that allocation. As for diversification, you can't really get more diversified ...
by kmwilson343
Wed Jun 13, 2018 10:38 pm
Forum: Personal Investments
Topic: $3K, Which Vanguard Mutual Fund?
Replies: 13
Views: 1502

$3K, Which Vanguard Mutual Fund?

Hey everyone! I need some advice. My 457 and Vanguard Roth IRA TDF seem to be very similar (see below), now that I have $3K in my 2035 TDF, should I just let it ride? Or choose another mutual fund that doesn't closely resemble my 457 allocations? And if so which mutual fund would help make my retire...
by kmwilson343
Mon Jun 11, 2018 10:02 am
Forum: Personal Investments
Topic: Portfolio Diversification - General Advice Wanted
Replies: 38
Views: 2161

Re: Portfolio Diversification - General Advice Wanted

mcraepat9 wrote:
Sun Jun 10, 2018 2:09 am


Portfolio 1: 100% LifePath 2055 fund

+1, keep it simple.
by kmwilson343
Mon Jun 11, 2018 9:54 am
Forum: Personal Investments
Topic: Help - investor starting later in life
Replies: 37
Views: 5619

Re: Help - investor starting later in life

37.50% Vanguard Total Bond Market Index Fund - VBTLX $30,000 50% Vanguard Total Stock Market Index Fund - VTSAX $40,000 12.5% Vanguard Total International Stock Index Fund-VTIAX $10,000 Im 46, will retire in 14 years and have a very similar set up as stated above. Keep it simple, put money in it ev...
by kmwilson343
Mon Jun 11, 2018 9:37 am
Forum: Personal Consumer Issues
Topic: A Simple new car lease formula?
Replies: 14
Views: 1895

Re: A Simple new car lease formula?

Have had a lifetime of buying 2 year-old cars and driving them until theyhe are a clunker and t I just give away to family. That has allowed me to now afford to lease and drive a new car every 2-3 years. without the hassle of selling or trading in where I never have well or get anything near "trade...
by kmwilson343
Mon Jun 11, 2018 9:25 am
Forum: Personal Investments
Topic: Vanguard STAR, Vanguard 2030 TDF, pay extra toward the house, or other?
Replies: 22
Views: 1708

Re: Vanguard STAR, Vanguard 2030 TDF, pay extra toward the house, or other?

I posted a similar post earlier but after reading it I didn't feel it capture what I really wanted to ask (sorry if it seems redundant). I'm 46 and plan to retire with a nice pension in 2032 (14 years away). I'm maxing out my 457 with the following: VTSAX 55% VTIAX 17% VBTLX 28% I also am maxing ou...
by kmwilson343
Mon Jun 11, 2018 9:08 am
Forum: Personal Investments
Topic: Vanguard STAR, Vanguard 2030 TDF, pay extra toward the house, or other?
Replies: 22
Views: 1708

Re: Vanguard STAR, Vanguard 2030 TDF, pay extra toward the house, or other?

IMO, maxing your retirement accounts should normally take precedent over paying down the mortgage faster. There's seldom any advantage in paying taxes on your income any sooner than necessary when you can invest it for yourself to earn compound interest for the rest of your life. Because of the sta...
by kmwilson343
Sun Jun 10, 2018 10:12 pm
Forum: Personal Investments
Topic: 35 and Need Help With Building Wealth
Replies: 55
Views: 7355

Re: 35 and Need Help With Building Wealth

As far as diversity is concerned, the bulk of my investing is held in my 401k. I assume that counts. I try to keep diversification in mind, so here is my current 401k allocation (I set these myself): NUVEEN WIN LGCP GR I (40%) WM BLAIR SMMIDCP GR (15%) FID 500 INDEX IPR (13%) ICM SM CO INST (10%) V...
by kmwilson343
Sun Jun 10, 2018 9:59 pm
Forum: Personal Investments
Topic: Vanguard STAR, Vanguard 2030 TDF, pay extra toward the house, or other?
Replies: 22
Views: 1708

Re: Vanguard STAR, Vanguard 2030 TDF, pay extra toward the house, or other?

Beehave wrote:
Sun Jun 10, 2018 8:31 pm
If you make any extra payments on your mortgage, make sure they are applied to your principal, and not interest.
good catch, yes it goes to principle.
by kmwilson343
Sun Jun 10, 2018 7:26 pm
Forum: Personal Investments
Topic: Vanguard STAR, Vanguard 2030 TDF, pay extra toward the house, or other?
Replies: 22
Views: 1708

Re: Vanguard STAR, Vanguard 2030 TDF, pay extra toward the house, or other?

What is the “stupid mistake” you are referencing re your mortgage? I am not following. I was referring to having a 30 year mortgage over a 15 year mortgage. I should have done the 15 year mortgage because by the time I retire the house would be paid off. Add enough money to your monthly payment sta...
by kmwilson343
Sun Jun 10, 2018 7:25 pm
Forum: Personal Investments
Topic: Vanguard STAR, Vanguard 2030 TDF, pay extra toward the house, or other?
Replies: 22
Views: 1708

Re: Vanguard STAR, Vanguard 2030 TDF, pay extra toward the house, or other?

My questions are: Do I keep the STAR fund and let it ride till I retire? Switch to the 2030 Target date Fund? Neither and put it toward the principle of the house (26 years to pay it off, I know stupid mistake on a 30 year loan :oops: ). Choose a different Vanguard fund or funds? I am 10 years olde...
by kmwilson343
Sun Jun 10, 2018 7:23 pm
Forum: Personal Investments
Topic: Vanguard STAR, Vanguard 2030 TDF, pay extra toward the house, or other?
Replies: 22
Views: 1708

Re: Vanguard STAR, Vanguard 2030 TDF, pay extra toward the house, or other?

I was referring to having a 30 year mortgage over a 15 year mortgage. I should have done the 15 year mortgage because by the time I retire the house would be paid off. Make one extra payment a year and you have about a 17 year mortgage. Here is what I've been doing the last few years. I pay a few h...
by kmwilson343
Sun Jun 10, 2018 6:44 pm
Forum: Personal Investments
Topic: Vanguard STAR, Vanguard 2030 TDF, pay extra toward the house, or other?
Replies: 22
Views: 1708

Re: Vanguard STAR, Vanguard 2030 TDF, pay extra toward the house, or other?

mcraepat9 wrote:
Sun Jun 10, 2018 12:02 am
What is the “stupid mistake” you are referencing re your mortgage? I am not following.
I was referring to having a 30 year mortgage over a 15 year mortgage. I should have done the 15 year mortgage because by the time I retire the house would be paid off.
by kmwilson343
Fri Jun 08, 2018 4:02 pm
Forum: Personal Investments
Topic: Vanguard STAR, Vanguard 2030 TDF, pay extra toward the house, or other?
Replies: 22
Views: 1708

Vanguard STAR, Vanguard 2030 TDF, pay extra toward the house, or other?

I posted a similar post earlier but after reading it I didn't feel it capture what I really wanted to ask (sorry if it seems redundant). I'm 46 and plan to retire with a nice pension in 2032 (14 years away). I'm maxing out my 457 with the following: VTSAX 55% VTIAX 17% VBTLX 28% I also am maxing out...
by kmwilson343
Thu Jun 07, 2018 11:43 pm
Forum: Personal Investments
Topic: 457 and Vanguard Roth IRA, which mutual funds to pick?
Replies: 3
Views: 345

Re: 457 and Vanguard Roth IRA, which mutual funds to pick?

The following it what ICMA-RC (457) has to offer: VBTLX VT Puritan® Fund FPURX VT Invesco Diversified Div LCEYX VT MFS® Value MEIJX VT Parnassus Core Equity PRBLX VT Oppenheimer Main Street MIGYX Vanguard 500 Index Admiral VFIAX Vanguard Total Stock Mkt Index VTSAX VT Contrafund® FCNTX VT T Rowe Pri...
by kmwilson343
Thu Jun 07, 2018 10:49 pm
Forum: Personal Investments
Topic: 457 and Vanguard Roth IRA, which mutual funds to pick?
Replies: 3
Views: 345

457 and Vanguard Roth IRA, which mutual funds to pick?

Hey all, new hear, and so far I have received allot of solid advice from everyone, thank you! So now I need help choosing the right funds for my Vanguard Roth IRA. Currently with my 457 I have the following: VTSAX 55% VTIAX 17% VBTLX 28% Vanguard Roth IRA I have no clue on what to choose? Choose sim...