Search found 236 matches

by 1789
Thu Nov 21, 2019 6:12 pm
Forum: Personal Investments
Topic: Agressive Investing of $6mm?
Replies: 36
Views: 3409

Re: Agressive Investing of $6mm?

If you are confident that things will be OK when fund drops 50% then you can do 100% VTSAX. But i am not sure how can you be so sure of that?
by 1789
Thu Nov 21, 2019 6:07 pm
Forum: Personal Investments
Topic: IRA to 401K Roll In Rules, 60 Days, Vanguard Screw Ups
Replies: 15
Views: 679

Re: IRA to 401K Roll In Rules, 60 Days, Vanguard Screw Ups

Frustrated out of my mind. If anyone is considering Vanguard as an investment option, steer clear. RUN THE OTHER DIRECTION AS FAST AS YOU CAN. Interesting, but i understand you had a bad experience. A lot of people here are happy with Vanguard including myself. My complain is that they don't have a...
by 1789
Thu Nov 21, 2019 3:26 pm
Forum: Personal Investments
Topic: Are there ways to use 401k's and ROTH IRA's strategically together?
Replies: 10
Views: 553

Re: Are there ways to use 401k's and ROTH IRA's strategically together?

How did you decide roth 401k is right for you?
What is your age?
When do you expect to retire?
How much pretax 401k balance do you have now?
Are you single/married filling jointly?
by 1789
Thu Nov 21, 2019 3:10 am
Forum: Personal Investments
Topic: Should we choose ADP as a 401K provider?
Replies: 8
Views: 474

Re: Should we choose ADP as a 401K provider?

My spouse’s 401k provider was ADP in her last job. We did not have any issues during or after she left that job. They had great selection of Vanguard funds. After she quit, her account was rolled over to an IRA without any issues. I agree that 50 funds are too many. I believe something around 15-20 ...
by 1789
Wed Nov 20, 2019 7:12 pm
Forum: Personal Investments
Topic: Which 529 Plan?
Replies: 14
Views: 941

Re: Which 529 Plan?

We have state tax deduction in OR, so we are using that one. Plan has institutional vanguard funds and charges around 0.25% per year. If you don't have state deduction i agree you can pick one of the plans listed above.
by 1789
Wed Nov 20, 2019 11:56 am
Forum: Personal Investments
Topic: 529 in S&P fund, child senior in HS
Replies: 18
Views: 949

Re: 529 in S&P fund, child senior in HS

Don't take unnecessary risk, you may not got lucky next time.
by 1789
Tue Nov 19, 2019 11:39 pm
Forum: Personal Investments
Topic: S&P 500 Index vs Total Stock Market Index
Replies: 20
Views: 2763

Re: S&P 500 Index vs Total Stock Market Index

Both of them are superior to any other funds out there. If you have a choice pick TSM, if no TSM choice (as in most 401k
Plans) you cant go wrong by picking SP500
by 1789
Tue Nov 19, 2019 9:44 pm
Forum: Personal Investments
Topic: Portfolio Review
Replies: 5
Views: 906

Re: Portfolio Review

Sorry for the late response. It seems i missed this. I think understanding and utilizing bonds are key at your age. Please refer to this reading below and feel free to ask your questions.i am sure more knowledgable folks will chip in to explain if you have further questions about bonds. https://www....
by 1789
Tue Nov 19, 2019 9:18 pm
Forum: Personal Investments
Topic: Thanks to Bogleheads for saving me $$$
Replies: 6
Views: 2079

Re: Thanks to Bogleheads for saving me $$$

Best forum on internet. Thank you Bogleheads!
by 1789
Tue Nov 19, 2019 9:17 pm
Forum: Personal Investments
Topic: Signing up with Fidelity for a Roth Ira question
Replies: 10
Views: 890

Re: Signing up with Fidelity for a Roth Ira question

thelateinvestor43 wrote:
Tue Nov 19, 2019 5:58 pm
How long do they take to ok the savings account? Seems like I've been waiting for about 5 days now.
It should be done by Friday
by 1789
Tue Nov 19, 2019 9:15 pm
Forum: Personal Investments
Topic: Should I move my IRA from etrade?
Replies: 19
Views: 801

Re: Should I move my IRA from etrade?

Dont pay for management fees
by 1789
Mon Nov 18, 2019 12:18 am
Forum: Investing - Theory, News & General
Topic: Are individual stocks back on the table now that we have $0 commissions?
Replies: 54
Views: 3807

Re: Are individual stocks back on the table now that we have $0 commissions?

Let's say you wanted to put together a 500-stock fund of your own making, and that the average share price among those 500 stocks is $ 50. You could devise a $ 25,000 investment, with $ 0 transactions costs. Why not? But why do you think this make any sense? What will be your selection criteria for...
by 1789
Sun Nov 17, 2019 10:21 pm
Forum: Personal Investments
Topic: 60/40 [Portfolio asset allocation]
Replies: 14
Views: 1964

Re: 60/40 [Portfolio asset allocation]

Is the 60%/40% investment still a good thing right now given that the market is way overdue for a major pullback? ( was thinking of investing 60% in BND and BNDX and 40% in VTI and VXUS ) Hi and welcome to the forum. The stock market will always go up and will go down. This is normal and expected. ...
by 1789
Sun Nov 17, 2019 10:15 pm
Forum: Personal Investments
Topic: Why do you have to "beat the market"?
Replies: 97
Views: 6061

Re: Why do you have to "beat the market"?

thelateinvestor43: 1) You don't have to beat the market. 2) You have landed in one of the few investment forums on the Internet whose core philosophy is to try to tie the market. Not everyone who posts in the forum agrees with that or practices it, but that is part of the Bogleheads investment phil...
by 1789
Sun Nov 17, 2019 10:13 pm
Forum: Personal Investments
Topic: Why don’t we use this leverage strategy?
Replies: 12
Views: 1575

Re: Why don’t we use this leverage strategy?

You may want to check this thread

viewtopic.php?f=10&t=288192
by 1789
Sun Nov 17, 2019 6:30 pm
Forum: Personal Investments
Topic: Increasing risk appetite
Replies: 36
Views: 1447

Re: Increasing risk appetite

You could just forget this idea and spend time with something else. Biking would be a great hobby to start if you haven’t tried yet.
by 1789
Sun Nov 17, 2019 4:55 pm
Forum: Personal Investments
Topic: Fitbit [stock] giving me fits
Replies: 10
Views: 990

Re: Fitbit giving me fits

I would just recommend you to get rid of it asap. There is some excitement going on for google news, once that passes the reality weights in. It always happens that way.
by 1789
Sun Nov 17, 2019 11:34 am
Forum: Personal Investments
Topic: Why do you have to "beat the market"?
Replies: 97
Views: 6061

Re: Why do you have to "beat the market"?

Because people act emotionally not logically.
by 1789
Sat Nov 16, 2019 5:59 pm
Forum: Personal Investments
Topic: Track Fidelity - Vanguard Funds in Google Finance
Replies: 3
Views: 361

Re: Track Fidelity - Vanguard Funds in Google Finance

401k’s often have trusts that aren’t traded outside 401k’s and cannot be found in google finance. If you want live updates you can convert the share quality to one of these similar funds. Assuming you update somewhat often there won’t be much tracking error; mostly just expense ratio and potentiall...
by 1789
Sat Nov 16, 2019 5:47 pm
Forum: Personal Investments
Topic: Buy some VYM [Vanguard High Dividend Yield]?
Replies: 31
Views: 2977

Re: Buy some VYM [Vanguard High Dividend Yield]?

Dividend investing is called an anomaly by financial theorists and it creates a separate place in investors mind. This is all psychological and has nothing to do with scientific research or historical returns. Dividend investors psychologically focus on price of stocks rather than total returns. One...
by 1789
Sat Nov 16, 2019 5:18 pm
Forum: Personal Investments
Topic: Roth 401k or Roth IRA
Replies: 7
Views: 414

Re: Roth 401k or Roth IRA

I get a match through the company roth 401k plan. 50% match on the first 6% that I put in. I currently have it set at 11%, and then fully fund my Roth IRA. This next year, finances will be tighter. Am I better off getting the full match at 6%, and using the rest of the money to fund my Roth IRA, or...
by 1789
Sat Nov 16, 2019 3:30 pm
Forum: Personal Investments
Topic: New Member - Portfolio Allocation Feedback
Replies: 16
Views: 1013

Re: New Member - Portfolio Allocation Feedback

All i can say is make a strategy to unload goog stock from your entire portfolio and stick with total market stock and bond funds. You and her have great mutual funds to buy in 401ks. And don't bother to use self brokerage at all. Congrats on savings. Thanks for the input. What do you mean by ‘don’...
by 1789
Sat Nov 16, 2019 11:54 am
Forum: Personal Investments
Topic: overlap?
Replies: 9
Views: 426

Re: overlap?

With the information you provided i think you want to go with 100% stocks and you don’t want to include bonds and international markets. One note for your funds: growth funds are bad over the long haul. Extra returns historically maybe proven to come from small and value factors. Not growth funds. I...
by 1789
Sat Nov 16, 2019 1:56 am
Forum: Personal Investments
Topic: Need Advice on RSUs and AA
Replies: 3
Views: 396

Re: [Need Advice on RSUs and AA]

Hello, As a starting point, you can sell all future RSUs once they are vested so you don’t run into this problem. 1) I am in the camp that does not favour RSUs. I would get rid all of them before substantial gains. 2) MM accounts, HYSA rates are around 2% regime. If you are easily tracking this buck...
by 1789
Sat Nov 16, 2019 1:38 am
Forum: Personal Investments
Topic: Portfolio Review
Replies: 5
Views: 906

Re: Portfolio Review

Hello, As Mr Bogle used to say “ Simplicity is the master key to financial success” . I think you took a very important decision to simplify your holdings.If 50-50 is the number that let you sleep well, then you can stick to that. Generally bonds are bad in taxable accounts and you need an estimate ...
by 1789
Sat Nov 16, 2019 1:19 am
Forum: Personal Investments
Topic: New to investing, starting a roth ira at 46
Replies: 26
Views: 1980

Re: New to investing, starting a roth ira at 46

Hi, Regrettably, at 46 I have just begun to start a Roth Ira at Fidelity. I plan on working at least another 20 years, and maybe never retiring really as I don't think I can afford to. I don't make a lot of money and I'm single and have no kids. Is it too late to start a Roth? The Roth wasn't even ...
by 1789
Sat Nov 16, 2019 1:16 am
Forum: Personal Investments
Topic: New to Forum. Vanguard funds from Fidelity account?
Replies: 10
Views: 737

Re: New to Forum. Vanguard funds from Fidelity account?

Both Vanguard and Fidelity are great at what they do. My 401k is at Fidelity and my Roth IRA and taxable (it just has cash in MM for emergency expenses) at Vanguard. I sometimes think I want to pull this IRA and taxable to Fidelity but then if i were to leave my job and look to consolidate all accou...
by 1789
Fri Nov 15, 2019 9:30 pm
Forum: Investing - Theory, News & General
Topic: Preparing for a down market
Replies: 78
Views: 6415

Re: Preparing for a down market

I haven't seen a strong down turn or crash down to 50% yet. We are 35 years old couple and hold around 10% bonds. We include 6 months of expenses in cash and we are on the way to increase this upto 1 year. I really want to have cash upto 2 years if possible . This cash is not included in out AA mode...
by 1789
Fri Nov 15, 2019 12:41 pm
Forum: Personal Investments
Topic: Mortgage? Pay cash?
Replies: 44
Views: 3227

Re: Mortgage? Pay cash?

I would stay away from debt if i am retired. Paying with cash sounds the way i would take if i were you.
by 1789
Fri Nov 15, 2019 12:37 pm
Forum: Personal Investments
Topic: Entertainment fund
Replies: 10
Views: 676

Re: Entertainment fund

Why not keeping it simpler. Put money In Schwab money market and transfer whatever needed to your checking account. I think you want to minimize the work and time on this. No?
by 1789
Fri Nov 15, 2019 10:30 am
Forum: Personal Investments
Topic: Taxable account
Replies: 10
Views: 466

Re: Taxable account

I have a small taxable account and bought VTSAX for it :). I just listened to the most recent Boglehead podcast on ETF’s and was wondering if I should sale VTSAX and buy VTI instead to prevent taxes in the future? Would this create a tax event but selling VTSAX to buy VTI? Sorry if this is a silly ...
by 1789
Fri Nov 15, 2019 10:24 am
Forum: Personal Investments
Topic: New Member - Portfolio Allocation Feedback
Replies: 16
Views: 1013

Re: New Member - Portfolio Allocation Feedback

All i can say is make a strategy to unload goog stock from your entire portfolio and stick with total market stock and bond funds. You and her have great mutual funds to buy in 401ks. And don't bother to use self brokerage at all. Congrats on savings.
by 1789
Fri Nov 15, 2019 10:18 am
Forum: Personal Investments
Topic: HSA Investment Choice
Replies: 2
Views: 312

Re: HSA Investment Choice

Sure that would be the default and right choice if you are buying index funds not ETFs as Fidelity made ETF trading free of charge
by 1789
Fri Nov 15, 2019 1:35 am
Forum: Personal Investments
Topic: Emergency Fund - HYSA, VTSAX, VBTLX
Replies: 4
Views: 588

Re: Emergency Fund - HYSA, VTSAX, VBTLX

I previously asked about putting my $15k emergency fund into a HYSA. That seems like a no brainer, as right now it is simply sitting in my BoA savings account (0.03%). However, I'm wondering if taking it a step further and splitting it up 3 ways might not be a bad idea: -$5k HYSA -$5k VTSAX -$5k VB...
by 1789
Thu Nov 14, 2019 5:57 pm
Forum: Personal Investments
Topic: HSA vs 401k Roth Conversions
Replies: 10
Views: 335

Re: HSA vs 401k Roth Conversions

If I would be healthier than i am today, i think that would be a better convincing reason not to pass an HSA. You will need this money one way or another when time comes. So why not max out and let it grow tax free and use it when needed. It is hard to know when one needs to go to hospital.
by 1789
Thu Nov 14, 2019 5:49 pm
Forum: Personal Investments
Topic: Asset allocation
Replies: 7
Views: 695

Re: Asset allocation

Hello, I’m starting my investing portfolio but I’m having problems diversifying it. I currently own (VOO) ETF and I’m looking to buy three other ETF but I’m having a hard time picking them for long term investment. Anyone has any recommendations? Thanks. VXUS for International stock BND for U.S. Bo...
by 1789
Thu Nov 14, 2019 4:08 pm
Forum: Personal Investments
Topic: After tax 401k worth
Replies: 30
Views: 1979

Re: After tax 401k worth

It would not make any sense to put money in taxable account if the 401k after tax comes with automatic in plan roth rollover feature with in service distributions . Please re-read this. Essentially one is funding taxable/after tax 401k after taxes paid. One will grow tax free, the other taxes will ...
by 1789
Thu Nov 14, 2019 2:38 pm
Forum: Personal Investments
Topic: After tax 401k worth
Replies: 30
Views: 1979

Re: After tax 401k worth

automatic in plan roth rollover feature with in service distributions . So would you not do it without automatic in plan rollover (I Assume the alternative is to manually do the in plan rollover)? Does "in service distributions" mean transferring a Roth 401K to a Roth IRA and you can then withdraw ...
by 1789
Thu Nov 14, 2019 2:28 pm
Forum: Personal Investments
Topic: After tax 401k worth
Replies: 30
Views: 1979

Re: After tax 401k worth

It would not make any sense to put money in taxable account if the 401k after tax comes with automatic in plan roth rollover feature with in service distributions . Please re-read this. Essentially one is funding taxable/after tax 401k after taxes paid. One will grow tax free, the other taxes will ...
by 1789
Thu Nov 14, 2019 2:27 pm
Forum: Personal Investments
Topic: After tax 401k worth
Replies: 30
Views: 1979

Re: After tax 401k worth

automatic in plan roth rollover feature with in service distributions . So would you not do it without automatic in plan rollover (I Assume the alternative is to manually do the in plan rollover)? Does "in service distributions" mean transferring a Roth 401K to a Roth IRA and you can then withdraw ...
by 1789
Thu Nov 14, 2019 12:43 pm
Forum: Personal Investments
Topic: market crash
Replies: 8
Views: 881

Re: market crash

sk2101 wrote:
Thu Nov 14, 2019 12:39 pm
VTSAX

absolutely
by 1789
Thu Nov 14, 2019 12:43 pm
Forum: Personal Investments
Topic: After tax 401k worth
Replies: 30
Views: 1979

Re: After tax 401k worth

Agree, doesnt make sense to fund taxable before after tax. My issue is I have a large taxable balance and only recently obtained the use of after tax 401k. As a result, I am floating my contributions by maxing the after tax from paychecks and essentially not drawing a cash paycheck. My day to day e...
by 1789
Thu Nov 14, 2019 12:00 pm
Forum: Personal Investments
Topic: After tax 401k worth
Replies: 30
Views: 1979

Re: After tax 401k worth

It would not make any sense to put money in taxable account if the 401k after tax comes with automatic in plan roth rollover feature with in service distributions . Please re-read this. Essentially one is funding taxable/after tax 401k after taxes paid. One will grow tax free, the other taxes will b...
by 1789
Thu Nov 14, 2019 9:55 am
Forum: Personal Investments
Topic: After tax 401k worth
Replies: 30
Views: 1979

Re: After tax 401k worth

It is starting in Jan 2020. I am planning to put 10k if i can. I think it is a very powerful tool to use. Of course i will do that beyond regular pre tax 401k and Roth IRA. No taxable account other than emergency money.
by 1789
Thu Nov 14, 2019 1:56 am
Forum: Personal Investments
Topic: Investment Allocation
Replies: 4
Views: 463

Re: Investment Allocation

I agree that you will get more responses if you provide your info with default format. All i can say for now is you have too many funds. I recommend decreasing number of holdings to 2-3 fund portfolio, with funds covering only US/International total markets (VTSAX/VTIAX) and US total bonds (VBTLX) w...
by 1789
Thu Nov 14, 2019 12:50 am
Forum: Personal Investments
Topic: My 401k Investment Strategy vs. The Experts
Replies: 7
Views: 847

Re: My 401k Investment Strategy vs. The Experts

PTTAX ER = 1.05%, advisor fee = 0.9%. Is there a reason why cant you do this?

VTI - 50%
BND - 50%

These are commissions free ETFs at TD Ameritrade
by 1789
Wed Nov 13, 2019 11:13 pm
Forum: Non-US Investing
Topic: Asset Allocation advice
Replies: 8
Views: 805

Re: Asset Allocation advice

Hi, New member and this is my 1st post (yay!). Would love to get inputs on my current asset allocation for retirement in 25 years. Also, are there situations when changing asset allocation makes sense (besides shifting towards safer assets as you get closer to retirement)? 27% - VTI (Total US Marke...
by 1789
Wed Nov 13, 2019 10:07 pm
Forum: Personal Investments
Topic: How to combine finances with your spouse? Recently married/early30s
Replies: 72
Views: 4984

Re: How to combine finances with your spouse? Recently married/early30s

This is only my opinion, but I don't believe there's a healthy, realistic way to sort of combined finances. His debt is now your debt, and your nest egg is now his nest egg. Combine it all, work on financial goals together, and share in failures and successes. That's marriage. I absolutely agree. C...
by 1789
Wed Nov 13, 2019 3:09 pm
Forum: Personal Investments
Topic: Where to park $ for about 1.5 yrs
Replies: 10
Views: 1081

Re: Where to park $ for about 1.5 yrs

Rates are low. We are keeping at VMMXX
by 1789
Wed Nov 13, 2019 12:22 pm
Forum: Personal Investments
Topic: Strategy for transitioning to Bogle
Replies: 10
Views: 521

Re: Strategy for transitioning to Bogle

Welcome. Congrats on transitioning to Bogle’s 2 fund portfolio. I think you took the best decision for your financial future.