Search found 2587 matches

by pingo
Thu Jun 21, 2018 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: [100% stock, uncomfortable with international]
Replies: 66
Views: 7050

Re: [100% stock, uncomfortable with international]

The best time to get out of international equities is when you're losing sleep before something really bad happens.

You have to be able to sleep when the fit hits the shan.

100% U.S. is good enough.

Many happy returns! :thumbsup
by pingo
Thu May 31, 2018 6:54 pm
Forum: Investing - Help with Personal Investments
Topic: Please help with TIAA CREF fund picking
Replies: 12
Views: 1032

Re: Please help with TIAA CREF fund picking

Student just reminded me of what I keep forgetting to address: Columbia Mid Cap ER 0.20% is nice, since it's ER is below average, considering the options on the list. The problem is that the CREF Equity Index fund eliminates the need for mid caps. There might still be a few adherents to Mel's Unlove...
by pingo
Thu May 31, 2018 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: Please help with TIAA CREF fund picking
Replies: 12
Views: 1032

Re: Please help with TIAA CREF fund picking

Here is a typical-style DIY 90/10 portfolio based on your plan's asset class fund options: 60% CREF Equity Index ER 0.30 <--Tracks the Russell 3000 25% American Funds EuroPacific Growth ER 0.50 <--One of the kings of international investing at rock bottom cost 05% TIAA Real Estate ER 0.79 <--TIAA's...
by pingo
Wed May 30, 2018 1:26 pm
Forum: Investing - Help with Personal Investments
Topic: Please help with TIAA CREF fund picking
Replies: 12
Views: 1032

Re: Please help with TIAA CREF fund picking

Great questions! Furthermore, if I pick a lifecycle fund lets say 2040, and end up not liking it, then could I move my money into something else or am I stuck with it until 2040? Not stuck at all. The date is not a contract; it merely has to do with the fund's asset allocation "glidepath" (slow chan...
by pingo
Tue May 29, 2018 6:43 pm
Forum: Investing - Help with Personal Investments
Topic: Please help with TIAA CREF fund picking
Replies: 12
Views: 1032

Re: Please help with retirement fund picking

Congratulations on graduation and the new job. Awesome. Let's get you started on your retirement savings! You have an excellent plan. Retirement plans can be soooo expensive. Yours is not. I realize you might feel it's expensive when you see us splitting hairs over how to reduce the weighted expense...
by pingo
Fri May 25, 2018 6:25 pm
Forum: Investing - Help with Personal Investments
Topic: 401k investment choices
Replies: 7
Views: 840

Re: 401k investment choices

So BlackRock's large blend tracks pretty similarly to Vanguard's Total Stock Market index? I also like that it has a low ER. There will be no difference between them. Is the DFA US Core Equity 2 a mid cap value tilted fund? Or just a mid cap index fund? Active? For what it's worth, I think your 401...
by pingo
Sat May 12, 2018 11:06 am
Forum: Investing - Help with Personal Investments
Topic: [Three-fund portfolio in taxable account (New York City)]
Replies: 17
Views: 1999

Re: [Three-fund portfolio in taxable account (New York City)]

Edited: piggybacking on what Jags4186 posted: DO NOT use the funds' automatic dividend reinvestment option in your taxable account.

Use fund/ETF dividend income from the funds/ETFs just as you would new savings: to rebalance, i.e., to put into the fund(s) that are lagging per your AA.
by pingo
Fri Apr 20, 2018 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: 2018 Portfolio Review
Replies: 7
Views: 1153

Re: 2018 Portfolio Review

I love your portfolio funds just the way they are. Purists will see the opportunity for lower costs. However, think weighted ER , which currently is 0.23% and shrinking . That's pretty darn good. What concerns me is the company stock. I'll forgive your current holding that is 14% of the whole portfo...
by pingo
Fri Apr 20, 2018 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with T. Rowe Price funds
Replies: 18
Views: 2369

Re: What to do with T. Rowe Price funds

Have you asked for help per the recommended format for asking portfolio questions??

I don't any money invested with TRP, and I'm a huge Vanguard fan, but I consider TRP to be one of the good guys. Your overall financial picture might not necessitate the change though purists may encourage it.
by pingo
Sat Feb 03, 2018 10:51 am
Forum: Investing - Help with Personal Investments
Topic: 401k Portfolio Allocation
Replies: 14
Views: 2082

Re: 401k Portfolio Allocation

That's important for planning purposes and leads me to my next question. When looking at your 401k plan document, do you see any information about whether your employer also has a 401k After-Tax savings option? (It's not the same as a Roth 401k option.) It might also be called an elective savings ac...
by pingo
Fri Feb 02, 2018 1:15 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Portfolio Allocation
Replies: 14
Views: 2082

Re: 401k Portfolio Allocation

An important question just occurred to me in terms of the future.

Do you have a reasonable expectation that eventually you may be able to invest for retirement beyond the maxing your IRA and personal 401k contributions?
by pingo
Wed Jan 31, 2018 8:02 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Portfolio Allocation
Replies: 14
Views: 2082

Re: 401k Portfolio Allocation

Let's talk about some things I see in the first post in this thread, as well as your current portfolio choices. Forgive my pointing out them out, but they serve as a launch pad for discussion: 1. You're young and you want growth. Understandable. Time is on your side and you're in the accumulation ph...
by pingo
Wed Jan 31, 2018 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Portfolio Allocation
Replies: 14
Views: 2082

Re: 401k Portfolio Allocation

Thanks for the update. Recommendations will probably remain the same, however I'm looking over things with a fine-tooth comb. One question: With the funds above my Personal Capital account is properly balanced to a growth asset allocation. Are you saying that your RIRA and TIRA are at Personal Capit...
by pingo
Tue Jan 30, 2018 5:43 pm
Forum: Investing - Theory, News & General
Topic: SWYGX or VFORX or...
Replies: 2
Views: 454

Re: SWYGX or VFORX or...

I'm surprised that the transaction fee to buy VFORX through Schwab is only $15. I love Vanguard's Target Retirement funds. They're my favorite... ...but that's not enough to justify paying the transaction fee on a regular basis. Less meaningful is the slightly higher ER of Vanguard's TR funds, howev...
by pingo
Tue Jan 30, 2018 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Portfolio Allocation
Replies: 14
Views: 2082

Re: 401k Portfolio Allocation

For future reference, not everyone knows the tickers of those funds by heart, so it is important to give us fund names, too. --Looks like you just beat me to the punch. Thanks for adding the names. That said, I recognized most of them. Congratulations on having such nice 401k. I prefer the simplest ...
by pingo
Sat Jan 13, 2018 9:45 pm
Forum: Investing - Help with Personal Investments
Topic: 25 Year Old - Need help with picking 401k funds
Replies: 15
Views: 1369

Re: 25 Year Old - Need help with picking 401k funds

@inbox788 We won't know if it's the same iteration of the LifePath Index fund unless we see shreyasfifa's fund fact sheets, but the asset allocation will be similar, if not the same. I've seen different iterations of the LifePath Index funds. Some have 0% REIT, others include it. Some are re-brande...
by pingo
Fri Jan 12, 2018 2:14 pm
Forum: Investing - Help with Personal Investments
Topic: Need help in selecting funds for 401K
Replies: 13
Views: 1212

Re: Need help in selecting funds for 401K

You've come up with a solid plan. I find no fault with it. I do want to say that I like American Funds Target Date fund series when the price is right... ...and the price is right in your 401k. I doubt you'll find them any cheaper. Using a single AF TD fund will keep things simple and you'll get the...
by pingo
Mon Jan 08, 2018 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: 25 Year Old - Need help with picking 401k funds
Replies: 15
Views: 1369

Re: 25 Year Old - Need help with picking 401k funds

^ Exactly. If your plan says the LifePath Index Fund has an ER of 0.07%, that's what it is. Some very large companies can negotiate a lower ER for their employees because of the large asset base of the plan. Your 401k is excellent. The target funds are excellent. Some people would be tempted to "rol...
by pingo
Sat Jan 06, 2018 11:42 pm
Forum: Investing - Help with Personal Investments
Topic: 25 Year Old - Need help with picking 401k funds
Replies: 15
Views: 1369

Re: 25 Year Old - Need help with picking 401k funds

Okay, so I can't believe how many spelling error there were in that last post. I went ahead and edited them out.
by pingo
Sat Jan 06, 2018 10:50 pm
Forum: Investing - Help with Personal Investments
Topic: 25 Year Old - Need help with picking 401k funds
Replies: 15
Views: 1369

Re: 25 Year Old - Need help with picking 401k funds

I’m a big fan of target funds, and I’m a big fan of Blackrock’s LifePath Index target funds.

They’re arguably as good as Vanguard’s with a straight forward glidepath. You are very fortunate to have them as an option.

There is no need to invest in anything else.
by pingo
Wed Dec 27, 2017 12:37 am
Forum: Investing - Theory, News & General
Topic: Any Target Date Funds better than Vanguard?
Replies: 46
Views: 5803

Re: Any Target Date Funds better than Vanguard?

Vanguard may arguably have oversold the past performance diversification benefit of international bonds, but it's not as oversold as the "questionable benefit" arguments on our forum concerning those bonds. The first order of diversification comes from stocks vs. bonds. Beyond that level of diversif...
by pingo
Tue Dec 26, 2017 1:25 pm
Forum: Investing - Theory, News & General
Topic: Any Target Date Funds better than Vanguard?
Replies: 46
Views: 5803

Re: Any Target Date Funds better than Vanguard?

Agreed. When one wants to have a diversified portfolio and to have an experienced portfolio management team make ongoing investment decisions, a Target Retirement Fund fits the bill. As long as the portfolio manager isn't fleecing the investor, i.e. is low cost, and not involved in churning assets o...
by pingo
Sat Dec 23, 2017 10:54 pm
Forum: Investing - Theory, News & General
Topic: Any Target Date Funds better than Vanguard?
Replies: 46
Views: 5803

Re: Any Target Date Funds better than Vanguard?

Disclosure: We use Vanguard Target Date Funds and we're comfortable with their allocations in terms of stocks and international exposure. We are not adverse to Vanguard's adjustments and we do not dismiss them as frivolous or foolish. When I listen to Bogle speak, he is very adamant about no more th...
by pingo
Fri Nov 03, 2017 4:39 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman on newest edition of “The Little Book of Common Sense Investing”
Replies: 22
Views: 3674

Re: Paul Merriman on newest edition of “The Little Book of Common Sense Investing”

I have not read the 10th anniversary edition, but the original may be the finest book I've ever read on investing. It is usually the first book I think of when making a recommendation about investing. John Bogle's seminal work Common Sense on Mutual Funds was an industry shaker, but his Little Book ...
by pingo
Wed Aug 02, 2017 12:41 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help Please!
Replies: 40
Views: 4644

Re: Portfolio Help Please!

Sorry I'm so late to the party, but I wanted to add that MFS International Value is a great fund, especially at that price. You could do far worse. Fact is, Vanguard International Growth is another one of those really great actively-managed international funds at a good price--one that is lower than...
by pingo
Wed Jul 05, 2017 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: 401k- What to do with high expense funds?
Replies: 22
Views: 1646

Re: 401k- What to do with high expense funds?

Wait a second...we don't actually know what funds are available in your 401k other than what you listed in the portfolio Prudential suggested.

What other funds are available?
by pingo
Wed Jul 05, 2017 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: 401k- What to do with high expense funds?
Replies: 22
Views: 1646

Re: 401k- What to do with high expense funds?

I'd also consider Dodge & Cox International, if you're unable to obtain your international allocation for the whole portfolio in an account with lower cost options. I'm also in favor of ditching the high cost growth and value funds. They have to beat the S&P 500 index fund by 0.58% to 0.90% -ish eve...
by pingo
Wed Jun 21, 2017 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation - Help with %s | Traditional vs. Roth 401k
Replies: 45
Views: 3601

Re: Asset Allocation - Help with %s | Traditional vs. Roth 401k

Please clarify: are the i401ks Roth-only? Or, are they a Traditional and Roth? I can't find whether you specify it or not. I only see that your current contributions are to Roth i401k accounts. Please edit your initial post to indicate what percent of your portfolio is in Roth i401ks and what percen...
by pingo
Mon Jun 19, 2017 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking 401k rollover advice
Replies: 5
Views: 680

Re: Seeking 401k rollover advice

Rolling to the new 401k is fine. If you provide the information the others are requesting (best if it's all the recommended information (link) , we can help you know what advantage, if any, may be in one choice over the other. Please add that information into your initial post in this thread. I agre...
by pingo
Fri Jun 16, 2017 11:23 am
Forum: Investing - Help with Personal Investments
Topic: 401k Choices
Replies: 2
Views: 723

Re: 401k Choices

BlackRock LifePath Index Funds are great. I usually have no problem recommending them, but why did you leave out your plan's ER's for the Vanguard Target Funds and for the incoming LifePath funds? Judging by the high expenses of the asset class index funds in your plan, I'll assume that your 401k is...
by pingo
Tue Jun 06, 2017 1:27 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation Help
Replies: 30
Views: 3780

Re: Allocation Help

Great questions. Kudos to you for taking a closer look. Retiredjg is right. It is a fuzzy issue. I wanted to keep things simple and advise conservatively since it can be hard for anyone to hold Emerging Markets in a separate fund. They are * v O l a T i L e ! * To put me somewhere in the ballpark, I...
by pingo
Fri Jun 02, 2017 1:37 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Questions and Review
Replies: 25
Views: 3749

Re: Portfolio Questions and Review

Sorry for the delay. I somehow missed the notification. "29.75% marginal" comes from adding your federal and state brackets together. 401k pre-tax contributions defer taxes at your highest marginal rate. (Unlike retirement, where spending down the 401k starts off at your lowest marginal rate and pro...
by pingo
Fri May 26, 2017 11:18 am
Forum: Investing - Help with Personal Investments
Topic: Help with asset allocation across multiple accounts
Replies: 19
Views: 2284

Re: Help with asset allocation across multiple accounts

67/33 is a great asset allocation and you appear to have given it the thought it deserves. Is there a reason you recommend the BlackRock Large Cap Index fund over the Principal LargeCap S&P 500 Index fund? BlackRock's has a higher expense ratio of 0.35%, while Principal's has a lower expense ratio o...
by pingo
Thu May 25, 2017 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Questions and Review
Replies: 25
Views: 3749

Re: Portfolio Questions and Review

You could increase your 401k savings somewhat by taking advantage of pre-tax Traditional 401k contributions and putting the 29.75% marginal tax savings to work in the After-tax 401k...to the tune of up to $5,355 per year without shrinking your paycheck. Also, my back of the envelope math tells me th...
by pingo
Thu May 25, 2017 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: Is The Vanguard Balanced Index Fund All One Needs?
Replies: 52
Views: 13618

Re: Is The Vanguard Balanced Index Fund All One Needs?

I was advised upon retirement to spend bonds in down years and stocks in up years. Seems a combined fund would disallow this strategy... I suppose that a balanced fund will sell stocks when they're up and sell bonds when stocks are down. It would be necessary in order to maintain it's set asset all...
by pingo
Thu May 25, 2017 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Questions and Review
Replies: 25
Views: 3749

Re: Portfolio Questions and Review

If you already setup the 401k with those funds, don't touch it for at least 3 months in order to avoid any 1-3 month short-term trading fees they'd probably impose. When you start a new thread to discuss taxable portfolio and budgeting, you should also probably update and include all the information...
by pingo
Wed May 24, 2017 8:05 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Questions and Review
Replies: 25
Views: 3749

Re: Portfolio Questions and Review

I think you're fund selection in the above post is great. I cannot argue with your choices. Well done! Please consider 2 reasons I personally think you'll be better served by using one target fund in each account before moving on: 1. You seem to need to reduce as many distractions in your financial ...
by pingo
Wed May 24, 2017 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Questions and Review
Replies: 25
Views: 3749

Re: Portfolio Questions and Review

In the meantime, there’s a really big chunk of money sitting in cash ($420K) . Where is this $420k? I don't see it placed anywhere in your financial summary. Is it part of the money you have already marked for parent care, new care and mortgage pay-off? Also, you list one 401k account, but doesn't ...
by pingo
Wed May 24, 2017 10:55 am
Forum: Investing - Theory, News & General
Topic: American Funds beat out Vanguard Index over lifetime?
Replies: 63
Views: 13307

Re: American Funds beat out Vanguard Index over lifetime?

American Funds' forte is growth and (I was surprised to find out from Morningstar a few years back) momentum. I'd actually be surprised to see American Funds' growth funds being trounced by value when value does well, but I supposed I could take a little time to see what the past tells us. In fact, ...
by pingo
Mon May 22, 2017 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: Help with asset allocation across multiple accounts
Replies: 19
Views: 2284

Re: Help with asset allocation across multiple accounts

I suddenly had some time I may not have for a while, so I thought I'd work something out the best I can. Hopefully it is helpful. You can always ask for adjustments to my suggestions. The hardest part is over. Tax Rate: 25% Federal, 0% State Age: His: 45, Hers: 35 Desired Asset allocation: 67% stock...
by pingo
Fri May 19, 2017 6:31 pm
Forum: Investing - Help with Personal Investments
Topic: Help with asset allocation across multiple accounts
Replies: 19
Views: 2284

Re: Help with asset allocation across multiple accounts

I realize you may have wanted to abbreviate the process and choose only the winners we'd choose based on costs, but we should have all the information. In fact, I've been studying your portfolio and realized I cannot proceed without knowing if I have all the 401k information. 1. Have you listed all ...
by pingo
Thu May 18, 2017 12:46 pm
Forum: Investing - Theory, News & General
Topic: American Funds beat out Vanguard Index over lifetime?
Replies: 63
Views: 13307

Re: American Funds beat out Vanguard Index over lifetime?

There's a point where our passion to argue for low cost, passive investing morphs into vituperation against active management. Index funds are great because of diversification of holdings and because they typically (not always) have low costs. Preferential tax treatment may also become a part of a f...
by pingo
Sat May 13, 2017 11:09 pm
Forum: Investing - Theory, News & General
Topic: American Funds beat out Vanguard Index over lifetime?
Replies: 63
Views: 13307

Re: American Funds beat out Vanguard Index over lifetime?

American funds are well-managed and their managers eat their own cooking. I actually like them... ...but I really hate the fact that there are several iterations of each fund and most of them have loads or higher expense ratios than I like. Even if I knew for a fact that going forward an American Fu...
by pingo
Wed May 10, 2017 12:41 pm
Forum: Investing - Help with Personal Investments
Topic: New Investor- Need guidance- High Income Investment Options
Replies: 10
Views: 1552

Re: New Investor- Need guidance- High Income Investment Options

Chances are you should both be maxing your 401ks, but you need to give us plan information (funds, tickers and expense ratios) so we can confirm. Even with lemons, we can usually help you make delicious lemonade. Before saving any more money outside of the 401ks and (backdoor) Roths, you should look...
by pingo
Tue May 02, 2017 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: Is target date fund the best way to go?
Replies: 19
Views: 3738

Re: Is target date fund the best way to go?

If we narrow the topic back to OP's Vanguard account, Vanguard's target funds are simple, index fund-based portfolios that indicate the all in costs, except transaction costs and bid/ask stuff, etc, which is minimal and can be found in the Statement of Additional Information (SAI), not that most peo...
by pingo
Tue May 02, 2017 11:21 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Questions and Review
Replies: 25
Views: 3749

Re: Portfolio Questions and Review

Thank you for your response. I appreciate your patience as I may require further correction if I have misunderstood your posts. Please review the following table. If there are any errors, please make corrections onto the table and re-post it. It'll be a big help on my end to have it for easy referen...
by pingo
Mon May 01, 2017 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Questions and Review
Replies: 25
Views: 3749

Re: Portfolio Questions and Review

I realize that you may need a little more orientation, which we're happy to give. In order to do so, please answer to following questions so that I can be sure I understand your earlier posts with clarity: 1. Are you contributing to a Traditional (pre-tax) or Roth 401k (post-tax)? 2. Are you contrib...
by pingo
Mon May 01, 2017 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Questions and Review
Replies: 25
Views: 3749

Re: Portfolio Questions and Review

Nothing inherently wrong with the ETF. Nothing inherently wrong with using either or both funds to fill your desired U.S. stock allocation.

My question for you: what is it about ETFs that you prefer over equivalent traditional index funds?
by pingo
Mon May 01, 2017 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Questions and Review
Replies: 25
Views: 3749

Re: My 401K Plan Offers Vanguard!! Three Fund Portfolio Approach

Questions: 1) Vanguard Institutional Index Fund Institutional Plus Shares (VIIIX) and Fidelity Total Market Index Fund (FSTVX) comparable? Yes. Fido Total Stock (FSTVX) = 80% VG Instl Idx (VIIIX) + 20% Fido Ext Mkt (FSEVX). VIIIX and FSTVX are broad market indexes, but FSTVX is technically more com...
by pingo
Thu Apr 27, 2017 10:53 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Questions and Review
Replies: 25
Views: 3749

Re: Portfolio Questions and Review

That's right. There are those that will prefer to manage their portfolio to cut out any basis points they can. The argument—it's a good one—is that $600 is $600 and it is something over which we have control. When it comes to investing, costs and asset allocation are two of the few areas where we ca...