Search found 15 matches

by BlackwaterPark10
Mon Aug 05, 2019 3:42 pm
Forum: Personal Investments
Topic: How do I execute my AA?
Replies: 12
Views: 677

Re: How do I execute my AA?

retiredjg wrote:
Mon Aug 05, 2019 1:20 pm
Yeah. It's easier.
Then why do so many people choose to not use them, and do a three fund, or other mixes?
by BlackwaterPark10
Mon Aug 05, 2019 12:22 pm
Forum: Personal Investments
Topic: How do I execute my AA?
Replies: 12
Views: 677

Re: How do I execute my AA?

I’d put the money in the target fund and enjoy the newborn. They grow up so fast. My newborn just turned 20. :-) +1 Don’t make it more complicated than it needs to be. Not liking a fund based on it being 2% too conservative is just a little nit picky. Keep your life simple with just a target fund o...
by BlackwaterPark10
Mon Aug 05, 2019 11:21 am
Forum: Personal Investments
Topic: How do I execute my AA?
Replies: 12
Views: 677

Re: How do I execute my AA?

retiredjg wrote:
Mon Aug 05, 2019 9:13 am
The Vanguard website indicates an AA of 90/10 on June 30. If the funds have migrated 2% since then, you could put everything into the 2055 fund.

90% stocks and 10% bonds is plenty aggressive in my opinion.
For some reason I was thinking it was 70/30 already, sorry.
by BlackwaterPark10
Mon Aug 05, 2019 9:07 am
Forum: Personal Investments
Topic: How do I execute my AA?
Replies: 12
Views: 677

Re: How do I execute my AA?

retiredjg wrote:
Mon Aug 05, 2019 9:00 am
I'd just put the target fund in all the accounts that you have control over.
But from looking at the way the target funds are split up, they don’t appear to be aggressive enough.
by BlackwaterPark10
Mon Aug 05, 2019 8:55 am
Forum: Personal Investments
Topic: How do I execute my AA?
Replies: 12
Views: 677

How do I execute my AA?

Info *33M and 33F married, 1 newborn. *Both employed at a college with 403B, Life insurance, and pension/investment retirement options. *Wife is in pension plan, I am in investment plan. *Both have 403b and Roth IRA's with Vanguard (Maxing IRA, adding $50 a paycheck each to 403) *Gross pay is $108,...
by BlackwaterPark10
Thu Jul 25, 2019 6:34 am
Forum: Personal Finance (Not Investing)
Topic: Handling Emergency to Emergency Fund
Replies: 54
Views: 4211

Handling Emergency to Emergency Fund

Summary of last six months: We had a 4 month emergency fund in place which we were ok with as we have plenty of financial backing from other areas while we slowly were increasing this a hundred or two each paycheck. We were maxing Roth IRAs for the first time ever. First child born in January and go...
by BlackwaterPark10
Mon Jul 01, 2019 10:03 am
Forum: Personal Investments
Topic: Thoughts on my asset allocation plan
Replies: 5
Views: 462

Re: Thoughts on my asset allocation plan

Hello BlackwaterPark10! Other BHs will be better at advising you on tweaking your allocations, but I just have an overall observation: Also, would going all Index US Stocks for a few years be unwise decision since im trying to catch up for some lost years? This indicates you are putting pressure on...
by BlackwaterPark10
Mon Jul 01, 2019 7:53 am
Forum: Personal Investments
Topic: Thoughts on my asset allocation plan
Replies: 5
Views: 462

Thoughts on my asset allocation plan

Info *33M and 33F married, 1 newborn. *Both employed at a college with 403B, Life insurance, and pension/investment retirement options. *Wife is in pension plan, I am in investment plan. *Both have 403b and Roth IRA's with Vanguard (Maxing IRA, adding $50 a paycheck each to 403) *Gross pay is $108,...
by BlackwaterPark10
Sat Jun 29, 2019 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 690
Views: 71144

Re: Why are you NOT buying rental properties?

I would love to, but can’t foresee being able to afford to even try this.
by BlackwaterPark10
Fri Jun 28, 2019 11:19 pm
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 650
Views: 86139

Re: Picking College and College Scholarships

www.irsc.edu Indian River State College in Fort Pierce Fl is a GREAT school to consider. They offer many online degrees, and most impressively just won the Aspen award for being the Best Community College in the USA. Combine that with being one of the five most affordable colleges in the country las...
by BlackwaterPark10
Fri Jun 28, 2019 10:56 pm
Forum: US Chapters
Topic: South Florida Local Chapter
Replies: 414
Views: 99109

Re: South Florida Local Chapter

Is there a group north of Palm Beach ? BlackwaterPark10: There is no Florida Bogleheads Chapter north of Palm Beach. We meet at the Hollywood Library, 5-minutes west of I-95. You will have a delightful Sunday lunch. meet many interesting Bogleheads, and learn more about successful investing. Best w...
by BlackwaterPark10
Fri Jun 28, 2019 7:37 pm
Forum: US Chapters
Topic: South Florida Local Chapter
Replies: 414
Views: 99109

Re: South Florida Local Chapter

Is there a group north of Palm Beach ?
by BlackwaterPark10
Wed May 15, 2019 10:47 am
Forum: Personal Investments
Topic: Vanguard fund advice for a novice, trying to make "right" decision
Replies: 7
Views: 1446

Re: Vanguard fund advice for a novice, trying to make "right" decision

Something else to consider is tax-efficiency. You mentioned that you have Vanguard TDF's in your Roth account. If you adopt a three-fund portfolio across your various accounts, it makes sense to load up the Roth accounts with nothing but equities. Over time, equities ought to grow more than bond fu...
by BlackwaterPark10
Mon May 13, 2019 2:28 pm
Forum: Personal Investments
Topic: Vanguard fund advice for a novice, trying to make "right" decision
Replies: 7
Views: 1446

Re: Vanguard fund advice for a novice, trying to make "right" decision

Yes, I would switch to Vanguard. 1% ER is expensive. You choose the allocation of your 3-fund approach. It's all in your risk tolerance. There is a separate thread here that is very long but worth reading. https://www.bogleheads.org/forum/viewtopic.php?t=88005 You can also look on Vanguard's websit...
by BlackwaterPark10
Mon May 13, 2019 11:01 am
Forum: Personal Investments
Topic: Vanguard fund advice for a novice, trying to make "right" decision
Replies: 7
Views: 1446

Vanguard fund advice for a novice, trying to make "right" decision

My wife and I are 33 years old, debt free minus the house, and have a 4 month emergency fund we are slowly chipping in some money to increase to 6-8 month range. Our mortgage is on year 11/15 @ 2.7% interest, and payment is around 22% of our take home. We have Roth IRA's with Vanguard, and been work...