Search found 16 matches

by bpkasl
Wed Nov 18, 2020 2:13 pm
Forum: Personal Investments
Topic: Index fund vs ETF
Replies: 4
Views: 404

Index fund vs ETF

Noted this description of the difference between the two, for a taxable retirement account with 75% of the holdings not needed for 5years+, it appears no inherent difference between the two??? "Most stock ETFs have a potential tax advantage over similar mutual funds. However, Vanguard ETFs have...
by bpkasl
Wed Nov 11, 2020 1:10 pm
Forum: Personal Investments
Topic: Alternative to Intl Index during Retirement
Replies: 13
Views: 1083

Re: Alternative to Intl Index during Retirement

Poor choice of wording, by growth I mean best returns
If that is by value, growth, etc, all the better
Just think I should have a piece of that pie in an existing retirement pot while we are in retirement
by bpkasl
Wed Nov 11, 2020 11:18 am
Forum: Personal Investments
Topic: Alternative to Intl Index during Retirement
Replies: 13
Views: 1083

Re: Alternative to Intl Index during Retirement

Why would you want more growth in retirement, I mean why would you expect better in retirement than what you accepted during accumulation? We retire in Jan 2021, have split up the assets in buckets based on timeframe they will be needed, 1-2 years, 3-5 years and 6+ years. The growth portion of tota...
by bpkasl
Wed Nov 11, 2020 10:40 am
Forum: Personal Investments
Topic: Alternative to Intl Index during Retirement
Replies: 13
Views: 1083

Alternative to Intl Index during Retirement

Looking for a Vanguard Fund other than International VTIAX that would be longer term growth international exposure for 6 years + during retirement.
VTIAX has only averaged about 4% over its 10 year history and maybe thats still the best choice.
by bpkasl
Tue Nov 10, 2020 2:33 pm
Forum: Personal Investments
Topic: Now In Retirement Phase
Replies: 8
Views: 1270

Re: Now In Retirement Phase

VTSAX Total Stock Market, VBTLX Total Bond Market and VTIAX Total International with a 60/40 split amonst the three asset classes Unclear what that means, 60% in two asset classes (US and Intl.), 40% in one class (bonds)? yes as noted with the international to be no more the 30% of the total 60% on...
by bpkasl
Tue Nov 10, 2020 12:22 pm
Forum: Personal Investments
Topic: Now In Retirement Phase
Replies: 8
Views: 1270

Re: Now In Retirement Phase

I probably didnt word that correctly, should be 70% left in our portfolio is being allocated for expenses after the first six years are spent down, only estimates but the largest bucket for growth
by bpkasl
Tue Nov 10, 2020 9:40 am
Forum: Personal Investments
Topic: Now In Retirement Phase
Replies: 8
Views: 1270

Re: Now In Retirement Phase

Yes 60% stocks in the longer term growth bucket and 40% bonds with no more than 30% of the 60% stock allocation in International and yes we will both be collecting SS
by bpkasl
Tue Nov 10, 2020 9:28 am
Forum: Personal Investments
Topic: Now In Retirement Phase
Replies: 8
Views: 1270

Now In Retirement Phase

Effective 1-1-21 Looking at allocation of overall retirement funds with existing Vanguard account into the following buckets- 5% or one years expenses into VTAPX Tips/Money Market 10% or two years expenses into VGSH Short Term Treasury or VBIRX Short Term Bond 15% or three years expenses into VGIT I...
by bpkasl
Mon Sep 28, 2020 9:28 am
Forum: Personal Investments
Topic: Buckets in Retirement
Replies: 97
Views: 7779

Re: Buckets in Retirement

Woodspinner on your three phase approach, curious in #3 why VGIT was chosen over a intermediate or longer term bond fund?
Thanks for the reply
by bpkasl
Thu Sep 24, 2020 9:15 am
Forum: Personal Investments
Topic: Buckets in Retirement
Replies: 97
Views: 7779

Buckets in Retirement

Curious how many active retirees on this site use the three bucket approach during retirement for short term cash needs, medium term and longer term growth? Would be interested in the Vanguard funds used in each of the three buckets
by bpkasl
Tue Sep 15, 2020 11:29 am
Forum: Personal Investments
Topic: Vanguard funds in retirement
Replies: 15
Views: 1654

Vanguard funds in retirement

Trying to assemble a portfolio of Vanguard funds starting in 2021 for our retirement when we will both be 65. So far have used Vangaurd indexing for decades but now will be looking at preserving what we have through dividends, and still intl exposure, bonds, etc. So many to choose from, etf vs fund?...
by bpkasl
Fri Jul 31, 2020 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Do not use Personal Capital
Replies: 172
Views: 39226

Re: Do not use Personal Capital

thanks
by bpkasl
Fri Jul 31, 2020 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Do not use Personal Capital
Replies: 172
Views: 39226

Re: Do not use Personal Capital

I checked Personal Capital out today, based on this ongoing discussion, what is a preferred online retirement calculator that can be trusted? We also have access to Financial Engines through Vanguard and the Fidelity Retirement Plan Calculator, maybe those two are enough?
Thanks
by bpkasl
Fri Jul 31, 2020 11:12 am
Forum: Personal Investments
Topic: Financial engines
Replies: 6
Views: 705

Re: Financial engines

I played with Financial Engines for several years, I even paid a subscription when they first started. I prefer other free retirement readiness tools such as the one from Personal Capital, Fidelity (free after regostration), and other from the web such as firecalc, cfiresim and i-orp. What has been...
by bpkasl
Fri Jul 31, 2020 7:53 am
Forum: Personal Investments
Topic: Financial engines
Replies: 6
Views: 705

Re: Financial engines

I have Vanguard for retirement and wife has Fidelity
Torn between the two, retiring in 5 months
by bpkasl
Fri Jul 31, 2020 7:04 am
Forum: Personal Investments
Topic: Financial engines
Replies: 6
Views: 705

Financial engines

Have been using it for years’ but no longer see it available, has Vanguard changed to the digital advisor?