Search found 37 matches

by kmwilson343
Sun Jul 01, 2018 11:43 am
Forum: Investing - Help with Personal Investments
Topic: Should I add REIT’s to my fortfolio?
Replies: 9
Views: 804

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: Investing - Help with Personal Investments
Topic: Should I add REIT’s to my fortfolio?
Replies: 9
Views: 804

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: 6270

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: Investing - Help with Personal Investments
Topic: 9 Mutual Funds Asset Allocation Help
Replies: 23
Views: 1544

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: Investing - Help with Personal Investments
Topic: 9 Mutual Funds Asset Allocation Help
Replies: 23
Views: 1544

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: Investing - Help with Personal Investments
Topic: 9 Mutual Funds Asset Allocation Help
Replies: 23
Views: 1544

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: Investing - Help with Personal Investments
Topic: 9 Mutual Funds Asset Allocation Help
Replies: 23
Views: 1544

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: Investing - Help with Personal Investments
Topic: 9 Mutual Funds Asset Allocation Help
Replies: 23
Views: 1544

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: Investing - Help with Personal Investments
Topic: Investment book recommendations?
Replies: 12
Views: 1321

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: Investing - Help with Personal Investments
Topic: Investment book recommendations?
Replies: 12
Views: 1321

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: Investing - Help with Personal Investments
Topic: $3K, Which Vanguard Mutual Fund?
Replies: 13
Views: 1417

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: Investing - Help with Personal Investments
Topic: $3K, Which Vanguard Mutual Fund?
Replies: 13
Views: 1417

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: Investing - Help with Personal Investments
Topic: $3K, Which Vanguard Mutual Fund?
Replies: 13
Views: 1417

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: Investing - Help with Personal Investments
Topic: $3K, Which Vanguard Mutual Fund?
Replies: 13
Views: 1417

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: Investing - Help with Personal Investments
Topic: $3K, Which Vanguard Mutual Fund?
Replies: 13
Views: 1417

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: Investing - Help with Personal Investments
Topic: $3K, Which Vanguard Mutual Fund?
Replies: 13
Views: 1417

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: Investing - Help with Personal Investments
Topic: $3K, Which Vanguard Mutual Fund?
Replies: 13
Views: 1417

$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: Investing - Help with Personal Investments
Topic: Portfolio Diversification - General Advice Wanted
Replies: 38
Views: 1992

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: Investing - Help with Personal Investments
Topic: Help - investor starting later in life
Replies: 37
Views: 5399

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: 1727

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: Investing - Help with Personal Investments
Topic: Vanguard STAR, Vanguard 2030 TDF, pay extra toward the house, or other?
Replies: 22
Views: 1595

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: Investing - Help with Personal Investments
Topic: Vanguard STAR, Vanguard 2030 TDF, pay extra toward the house, or other?
Replies: 22
Views: 1595

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: Investing - Help with Personal Investments
Topic: 35 and Need Help With Building Wealth
Replies: 55
Views: 7178

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: Investing - Help with Personal Investments
Topic: Vanguard STAR, Vanguard 2030 TDF, pay extra toward the house, or other?
Replies: 22
Views: 1595

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: Investing - Help with Personal Investments
Topic: Vanguard STAR, Vanguard 2030 TDF, pay extra toward the house, or other?
Replies: 22
Views: 1595

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: Investing - Help with Personal Investments
Topic: Vanguard STAR, Vanguard 2030 TDF, pay extra toward the house, or other?
Replies: 22
Views: 1595

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: Investing - Help with Personal Investments
Topic: Vanguard STAR, Vanguard 2030 TDF, pay extra toward the house, or other?
Replies: 22
Views: 1595

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: Investing - Help with Personal Investments
Topic: Vanguard STAR, Vanguard 2030 TDF, pay extra toward the house, or other?
Replies: 22
Views: 1595

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: Investing - Help with Personal Investments
Topic: Vanguard STAR, Vanguard 2030 TDF, pay extra toward the house, or other?
Replies: 22
Views: 1595

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: Investing - Help with Personal Investments
Topic: 457 and Vanguard Roth IRA, which mutual funds to pick?
Replies: 3
Views: 323

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: Investing - Help with Personal Investments
Topic: 457 and Vanguard Roth IRA, which mutual funds to pick?
Replies: 3
Views: 323

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...
by kmwilson343
Wed Jun 06, 2018 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: 9 Mutual Funds Asset Allocation Help
Replies: 23
Views: 1544

Re: 9 Mutual Funds Asset Allocation Help

Going back to the domestic vs. international stock allocation question, I mentioned that most US investors put at least half of their stock investment in US companies (VTSAX). American companies in total represent about half of the total world market capitalization right now, so there's some logic ...
by kmwilson343
Wed Jun 06, 2018 7:16 pm
Forum: Investing - Help with Personal Investments
Topic: 9 Mutual Funds Asset Allocation Help
Replies: 23
Views: 1544

Re: 9 Mutual Funds Asset Allocation Help

kmwilson343: Welcome to the Bogleheads Forum! There is no need to have 9 overlapping funds in a portfolio. Fortunately, you have two excellent funds: Vanguard Total Stock Mkt Index VTSAX Large Blend Vanguard Total Intl Stock Idx VTIAX Foreign Large Blend Add Vanguard Total Bond Market Index Fund, o...
by kmwilson343
Wed Jun 06, 2018 7:12 pm
Forum: Investing - Help with Personal Investments
Topic: 9 Mutual Funds Asset Allocation Help
Replies: 23
Views: 1544

Re: 9 Mutual Funds Asset Allocation Help

WOW! You guys rock! thats exactly the advice I was looking for. Below are the bonds offered, which one and what percentage for the long haul? Vanguard Ttl Bond Mkt Idx Adm VT Western Asset Core Plus Bnd VT Vantagepoint Infltn Focused VT PIMCO High Yield I'd start by considering a portfolio that loo...
by kmwilson343
Wed Jun 06, 2018 6:10 pm
Forum: Investing - Help with Personal Investments
Topic: 9 Mutual Funds Asset Allocation Help
Replies: 23
Views: 1544

Re: 9 Mutual Funds Asset Allocation Help

Im 46, will retire at 60 with 30 years in the fire service. My pension is 2% a year (which will be 60% my salary of last 5 years). I like the mainstream approach and shot the medium at Age -15. Every year over the next 12 years add 4% into bonds until I retire in 2030. With that being said how does ...
by kmwilson343
Wed Jun 06, 2018 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: 9 Mutual Funds Asset Allocation Help
Replies: 23
Views: 1544

Re: 9 Mutual Funds Asset Allocation Help

WOW! You guys rock! thats exactly the advice I was looking for. Below are the bonds offered, which one and what percentage for the long haul?

Vanguard Ttl Bond Mkt Idx Adm
VT Western Asset Core Plus Bnd
VT Vantagepoint Infltn Focused
VT PIMCO High Yield
by kmwilson343
Tue Jun 05, 2018 9:59 pm
Forum: Investing - Help with Personal Investments
Topic: 9 Mutual Funds Asset Allocation Help
Replies: 23
Views: 1544

9 Mutual Funds Asset Allocation Help

I have ICMA-RC for my 457 plan, going through their Mutual Funds I found 9 that are fairly strong, I could use help putting some percentages next to them, any help would be appropriated. I have 14 years till retirement and maxing out my 457 plan. I was planning 10% next to each of them and 10% into ...