Search found 30 matches

by Kams1231
Wed Sep 16, 2020 3:30 pm
Forum: Personal Investments
Topic: Target allocation review
Replies: 11
Views: 758

Re: Target allocation review

Hello- Congratulations!. You are doing many things right, maximizing retirement and HSA accounts. I think you will do well do write up a Investment Policy Statement, with your desired asset allocation. You have answered the 2 biggest questions of this process in deciding 90/10 between stocks/bonds ...
by Kams1231
Wed Sep 16, 2020 11:34 am
Forum: Personal Investments
Topic: Target allocation review
Replies: 11
Views: 758

Re: Target allocation review

Drop REITs. Anything less than 5% of your portfolio is pretty pointless to hold - just won't make much of a difference. In taxable and IRA's - 20% Large Growth / 10% Large Blend / 18% Large Value can be simplified to just 50% Large Blend (e.g. S&P500 fund).15% developed market and 5% emerging marke...
by Kams1231
Tue Sep 15, 2020 11:26 pm
Forum: Personal Investments
Topic: Target allocation review
Replies: 11
Views: 758

Re: Target allocation review

I am not going to get into a full analysis of your plan right now. But a few things struck me. -What are your plans for the non deductible IRA? Can you roll the current traditional IRA into your 401k to make way for a Roth conversion? I had talked to my CPA and he advised me not to roll it into my ...
by Kams1231
Tue Sep 15, 2020 11:14 pm
Forum: Personal Investments
Topic: Target allocation review
Replies: 11
Views: 758

Re: Target allocation review

Drop REITs. Anything less than 5% of your portfolio is pretty pointless to hold - just won't make much of a difference. In taxable and IRA's - 20% Large Growth / 10% Large Blend / 18% Large Value can be simplified to just 50% Large Blend (e.g. S&P500 fund).15% developed market and 5% emerging marke...
by Kams1231
Tue Sep 15, 2020 11:10 pm
Forum: Personal Investments
Topic: Target allocation review
Replies: 11
Views: 758

Re: The Three-Fund Portfolio

Kams1231: This is a portfolio I think you should consider. Read the many benefits and recommendations here: The Three-Fund Portfolio Best wishes. Taylor Jack Bogle's Words of Wisdom: "The beauty of owning the market is that you eliminate individual stock risk, you eliminate market sector risk, and ...
by Kams1231
Tue Sep 15, 2020 11:29 am
Forum: Personal Investments
Topic: Target allocation review
Replies: 11
Views: 758

Target allocation review

Hi All: I have not been very structured in my investment planning having relied on a financial advisor for the last couple of years. I have now started my own planning and am nervous about making a mistake. I have already established my 401k with feedback from members here and have now chalked out a...
by Kams1231
Fri Sep 04, 2020 6:16 pm
Forum: Personal Investments
Topic: Supplementing AGG in Rollover IRA
Replies: 16
Views: 697

Re: Supplementing AGG in Rollover IRA

Ironically just investing in a long-term bond fund is less diversified than AGG, which was OP's original purpose in starting this thread. But AGG itself is actually almost the most diversified bond asset one could own. Inflation-linked bonds like I Bonds or TIPS are probably the key option that cou...
by Kams1231
Fri Sep 04, 2020 11:21 am
Forum: Personal Investments
Topic: Supplementing AGG in Rollover IRA
Replies: 16
Views: 697

Re: Supplementing AGG in Rollover IRA

I see. I am currently feeling overwhelmed with restructuring my rollover IRA which I just brought back into my own management from Ameriprise. So I was trying to tackle it piecewise and started with the bonds first. Wrong approach? I hear you, and it's normal to feel overwhelmed at first. The good ...
by Kams1231
Fri Sep 04, 2020 10:31 am
Forum: Personal Investments
Topic: Supplementing AGG in Rollover IRA
Replies: 16
Views: 697

Re: Supplementing AGG in Rollover IRA

Here are the bond funds I have: Taxable account - 10% VCAIX (Interim CA Muni) Non deductible-IRA - 8% AGG (iShares US Aggregated) & 2% VCLT (long term corporate) 401K - 10% FUAMX (Interim treasury) Rollover IRA - 5% AGG (got rid of some high cost bond funds that I had and need to re-invest that). W...
by Kams1231
Fri Sep 04, 2020 10:22 am
Forum: Personal Investments
Topic: Supplementing AGG in Rollover IRA
Replies: 16
Views: 697

Re: Supplementing AGG in Rollover IRA

Here are the bond funds I have: Taxable account - 10% VCAIX (Interim CA Muni) Non deductible-IRA - 8% AGG (iShares US Aggregated) & 2% VCLT (long term corporate) 401K - 10% FUAMX (Interim treasury) Rollover IRA - 5% AGG (got rid of some high cost bond funds that I had and need to re-invest that). W...
by Kams1231
Fri Sep 04, 2020 10:19 am
Forum: Personal Investments
Topic: Supplementing AGG in Rollover IRA
Replies: 16
Views: 697

Re: Supplementing AGG in Rollover IRA

petulant wrote: Fri Sep 04, 2020 8:06 am Why do you think it would be helpful to supplement AGG? What is your objective for supplementing AGG?
Just for diversification within bonds. My thought was that I have most of my bond allocation with AGG.
by Kams1231
Fri Sep 04, 2020 10:18 am
Forum: Personal Investments
Topic: Supplementing AGG in Rollover IRA
Replies: 16
Views: 697

Re: Supplementing AGG in Rollover IRA

UpperNwGuy wrote: Fri Sep 04, 2020 1:35 am Will 2% be enough to make a difference?
This is my biggest portfolio of just over 500K. I already have 5% in AGG and will add another 5%. In another few years (7 years or so) I will increase my bond allocation.
by Kams1231
Fri Sep 04, 2020 12:52 am
Forum: Personal Investments
Topic: Supplementing AGG in Rollover IRA
Replies: 16
Views: 697

Supplementing AGG in Rollover IRA

Here are the bond funds I have: Taxable account - 10% VCAIX (Interim CA Muni) Non deductible-IRA - 8% AGG (iShares US Aggregated) & 2% VCLT (long term corporate) 401K - 10% FUAMX (Interim treasury) Rollover IRA - 5% AGG (got rid of some high cost bond funds that I had and need to re-invest that). Wh...
by Kams1231
Tue Sep 01, 2020 2:14 pm
Forum: Investing - Theory, News & General
Topic: What is your age and asset allocation ?
Replies: 246
Views: 15541

Re: What is your age and asset allocation ?

Age 48. Plan to retire in 17 - 19 years.
Restructuring to go aggressive 90/10 for the next 5 to 7 years.
by Kams1231
Mon Aug 31, 2020 1:33 pm
Forum: Personal Investments
Topic: Unit trusts
Replies: 2
Views: 268

Re: Unit trusts

Here is some information: https://pocketsense.com/tax-implications-unit-investment-trust-7743499.html Here are more articles on the subject: https://www.bing.com/search?q=taxation+of+unit+investment+trusts&form=ANNNB1&refig=0b41b9f7275f43748acb596a72c132cf&sp=1&qs=SC&pq=yaxation+of+unit+iunve&sk=PR...
by Kams1231
Fri Aug 28, 2020 11:52 pm
Forum: Personal Investments
Topic: Unit trusts
Replies: 2
Views: 268

Unit trusts

What are the thoughts on unit trusts here? I have one (FT8669) in my taxable and tax advantaged account. I had made the purchase based on my financial advisor's recommendation. While it has shown significant growth in the last few months, I am a little wary of the tax implications in the taxable acc...
by Kams1231
Fri Aug 28, 2020 1:36 pm
Forum: Personal Investments
Topic: So I had my free phone call from Personal Capital . . .
Replies: 43
Views: 6188

Re: So I had my free phone call from Personal Capital . . .

It is not just Personal Capital. I had the same conversation with someone from Fidelity who balked when I said that I was switching to a 3 fund portfolio in my 401k. I was told that it was not a smart move and I should have someone pick my funds for me as index fund investing was passe. Well - I did...
by Kams1231
Wed Aug 26, 2020 10:31 am
Forum: Personal Investments
Topic: Question on Diversification over time
Replies: 7
Views: 636

Re: Question on Diversification over time

I am reading the book The Elements of Investing by Burton Malkiel & Charles Ellis. They talk about diversifying over time saying "Don't make all your investments at a single time. If you did, you might be unlucky enough to put all your money into the stock market during a market peak". I suspect th...
by Kams1231
Tue Aug 25, 2020 9:54 pm
Forum: Personal Investments
Topic: Question on Diversification over time
Replies: 7
Views: 636

Re: Question on Diversification over time

Thank you all. This portfolio was managed by Ameriprise over the last 2 years seeing only 4% growth and I paid 1% annually. :oops: I think it was 80/20 stock and bond allocation and not all funds were low cost and quite a bit in Delta airlines stock!! Having educated myself on low cost index fund in...
by Kams1231
Tue Aug 25, 2020 7:28 pm
Forum: Personal Investments
Topic: Question on Diversification over time
Replies: 7
Views: 636

Question on Diversification over time

I am reading the book The Elements of Investing by Burton Malkiel & Charles Ellis. They talk about diversifying over time saying "Don't make all your investments at a single time. If you did, you might be unlucky enough to put all your money into the stock market during a market peak". I am in the p...
by Kams1231
Fri Aug 21, 2020 11:52 am
Forum: Personal Investments
Topic: VXUS vs VEU in taxable account
Replies: 4
Views: 335

VXUS vs VEU in taxable account

I am trying to choose an international equity ETF to partner with VTI for my taxable investment account and have been puzzling over VEU vs VXUS. Both seem amazingly similar in characteristics in terms of expense ratio and turnover. Which one would you choose for a taxable account? If neither, what i...
by Kams1231
Thu Aug 20, 2020 1:40 pm
Forum: Personal Investments
Topic: 401k fund choices
Replies: 11
Views: 572

Re: 401k fund choices

My choices Fund Category Fund name Expense Ratio My choice US Large Blend Fidelity® Total Market Index Fund (FSKAX) 0.015% 60% US Mid Cap Fidelity® Extended Market Index Fund (FSMAX) 0.046% 15% US Intermed Bond Fidelity Advisor® Total Bond Fund - Class A (FEPAX) 0.750% 10% Foreign Large Fidelity® I...
by Kams1231
Thu Aug 20, 2020 11:08 am
Forum: Personal Investments
Topic: 401k fund choices
Replies: 11
Views: 572

Re: 401k fund choices

Please realize that if you are paying your advisor 1%* and if you have fund expense ratios and other internal costs up to 1% then you are going to lose half your retirement income to the advisor and to the funds. This is based on planning to take 4% of your portfolio in retirement withdrawals each ...
by Kams1231
Wed Aug 19, 2020 6:01 pm
Forum: Personal Investments
Topic: 401k fund choices
Replies: 11
Views: 572

Re: 401k fund choices

Most complicated portfolios like the advisor's recommendation end up looking like a slightly underperforming index portfolio. That's the case here. In fact you can simplify even more See how the three portfolios compare (yours, advisor's, and a three-fund portfolio): https://www.portfoliovisualizer...
by Kams1231
Wed Aug 19, 2020 5:19 pm
Forum: Personal Investments
Topic: 401k fund choices
Replies: 11
Views: 572

401k fund choices

Hello All: I am a recent convert to the low cost index fund strategy and actually had no structured strategy of investing at all before. I am about 17 years away from retirement (targeting age 65) and currently at 35% marginal rate. I realized my 401k had some expensive funds and am restructuring it...
by Kams1231
Fri Aug 14, 2020 12:10 am
Forum: Personal Investments
Topic: Bond fund choice for rollover IRA
Replies: 1
Views: 209

Bond fund choice for rollover IRA

Hello All: I just sold some high expense ratio mutual funds in one of my rollover IRAs and have some cash to reinvest. I am in my late 40s and am thinking of having 25% bonds. I am planning to use this cash to buy the bond funds/ETF which will take me to the 25% target. I have shortlisted VBTLX and ...
by Kams1231
Mon Aug 10, 2020 11:05 am
Forum: Personal Investments
Topic: Identifying tax efficient funds for my taxable account
Replies: 11
Views: 744

Re: Identifying tax efficient funds for my taxable account

Potential capital gains exposure is not particularly important for an ETF, Vanguard fund with an ETF class, or total-market index. This is the amount of capital gains that would be realized if the fund sold all of its holdings, but a total-market index won't sell anything, and an ETF can use the cr...
by Kams1231
Mon Aug 10, 2020 10:58 am
Forum: Personal Investments
Topic: Identifying tax efficient funds for my taxable account
Replies: 11
Views: 744

Re: Identifying tax efficient funds for my taxable account

Hi Kams1231, Welcome! Others far more knowledgeable will chime-in, I’m sure. You’re off to a great start in educating yourself by reading the Wiki and the Bogleheads Guide To Investing. You have the basic ideas down based on your questions below. You should focus again on Chapter 10 of the Boglehea...
by Kams1231
Mon Aug 10, 2020 10:55 am
Forum: Personal Investments
Topic: Identifying tax efficient funds for my taxable account
Replies: 11
Views: 744

Re: Identifying tax efficient funds for my taxable account

Hi All: I am new in planned investing and in financial planning in general. I am in the 35% federal tax bracket and am trying to make my taxable investment account more tax-efficient. I have read the relevant chapters in Bogleheads guide to investing and also the fund placement post in the Wiki her...
by Kams1231
Sun Aug 09, 2020 9:00 pm
Forum: Personal Investments
Topic: Identifying tax efficient funds for my taxable account
Replies: 11
Views: 744

Identifying tax efficient funds for my taxable account

Hi All: I am new in planned investing and in financial planning in general. I am in the 35% federal tax bracket and am trying to make my taxable investment account more tax-efficient. I have read the relevant chapters in Bogleheads guide to investing and also the fund placement post in the Wiki here...