Search found 102 matches

by Timcom99
Sun Jan 19, 2014 7:50 pm
Forum: Investing - Theory, News & General
Topic: Curious on Asset Allocation & Age
Replies: 24
Views: 5230

Re: Curious on Asset Allocation & Age

I use age minus 10 in Bonds. Age 46 and around 65% stocks and 35% bonds.
by Timcom99
Sun Jan 19, 2014 7:05 pm
Forum: Investing - Theory, News & General
Topic: Which investment would you choose?
Replies: 21
Views: 2811

Re: Which investment would you choose?

I have Wellington Admiral in my 401k. It has an ER of 0.17%
by Timcom99
Wed Sep 04, 2013 8:23 pm
Forum: Investing - Help with Personal Investments
Topic: 401k + roth + roth + pension = enough?
Replies: 7
Views: 1363

Re: 401k + roth + roth + pension = enough?

IMHO You are good to go....more than enough :)
by Timcom99
Fri Aug 23, 2013 8:31 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with Vanguard Wellesley in this environment?
Replies: 35
Views: 5248

Re: What to do with Vanguard Wellesley in this environment?

Stick with your Wellesley IMHO and others who have suggested the same. Wellesley is is a great end game fund (Retiree) or risk adverse investor fund. You won't make big gains in Bull markets but won't get mauled in the Bears. A good Steady Eddy fund with index like ER's for an actively managed fund ...
by Timcom99
Wed Jul 31, 2013 9:22 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's emerging market stock fund versus American's
Replies: 3
Views: 623

Re: Vanguard's emerging market stock fund versus American's

No disconnect. If you're willing to pay a load, you're probably also used to paying much higher ERs than anything Vanguard offers. Morningstar is just acknowledging there are two types of investors: suckers investors who are willing to pay loads (who also typically pay higher ERs) and investors who...
by Timcom99
Fri May 31, 2013 8:33 pm
Forum: Investing - Theory, News & General
Topic: What's the right allocation to international bonds?
Replies: 39
Views: 4443

Re: What's the right allocation to international bonds?

connya wrote:How did they come up with the 20% recommendation?
Just a number. Same as with Total International Stock. They at first recommended a 20% holding and now the recommended holding is between 20% and 40%.
by Timcom99
Wed Mar 27, 2013 8:30 pm
Forum: Investing - Theory, News & General
Topic: Vanguard has lowered Wellington Admiral Expense
Replies: 6
Views: 1527

Re: Vanguard has lowered Wellington Admiral Expense

Great fund, good to hear the expense ratio is going down on it. The ER was already very low by actively managed fund standards. I own this fund in my 401K so it is good for me :)
by Timcom99
Sun Mar 10, 2013 4:35 pm
Forum: Investing - Theory, News & General
Topic: Vanguard High-Yield Corporate Fund
Replies: 14
Views: 4100

Re: Vanguard High-Yield Corporate Fund

Just go to the Vanguard website and look at the mutual fund page. It will let you know if you can invest or if the fund is closed to new investors.

https://investor.vanguard.com/home/
by Timcom99
Fri Mar 01, 2013 9:36 pm
Forum: Investing - Theory, News & General
Topic: Vanguard closes Wellington Fund to many new accounts
Replies: 35
Views: 11472

Re: Vanguard closes Wellington Fund to many new accounts

Why does Vanguard close funds as they become more popular? Thanks in advance. A managed fund has some favored companies/bonds that it likes to invest in at any particular time. If the fund has inflows that are too large, they start to run out of good investment opportunities for that money, or they...
by Timcom99
Tue Feb 26, 2013 10:08 pm
Forum: Investing - Help with Personal Investments
Topic: New Job = New 401k options -- Any Advice?
Replies: 12
Views: 1355

Re: New Job = New 401k options -- Any Advice?

3 Vanguard Institutional Index Fund Inst.------ VINIX------ Stock------ Large Cap------ 0.04% This is a winner with an extremely low expense ratio for Your 401K. Then [IMHO} get a Vanguard Roth IRA and add your International stocks and Bonds. Very low expense ratios and very diversified 3 fund port...
by Timcom99
Fri Feb 15, 2013 9:23 pm
Forum: Investing - Help with Personal Investments
Topic: Which energy to add to portfolio
Replies: 8
Views: 1003

Re: Which energy to add to portfolio

I have a feeling that energy funds are gonna do poorly going forward. There is just way too much gas and oil being produced in Texas, North Dakota and elsewhere. Plus all these conservation measures like hybrid cars is really putting a dent in usage. But I don't invest with feelings. My recommendat...
by Timcom99
Sun Feb 10, 2013 7:21 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Allocations in target retirement funds - vanguard
Replies: 4
Views: 1153

Re: Bond Allocations in target retirement funds - vanguard

The Target Date 2045 fund you have has very little bonds in it. The 2045 fund consists of 63% Total Stock Market Index, 27% Total International Stock Index and only 10% Total Bond Index. It will continue to have these ratios until I think 2021 when it will enter the glide path phase and progressivel...
by Timcom99
Sat Feb 09, 2013 10:25 pm
Forum: Investing - Theory, News & General
Topic: Finally arrived: The Vanguard Total International Bond Fund
Replies: 187
Views: 36766

Re: Finally arrived: The Vanguard Total International Bond F

How can an index fund "take a beating"? The huge outflow of money will cause its Expense Ratio to go up me thinks. Or, they lose a bunch of Facebook "friends"? As in high school, lack of popularity is likely an indicator of future success. Really, the folks at Vanguard are much more intelligent tha...
by Timcom99
Sat Feb 09, 2013 9:57 pm
Forum: Investing - Theory, News & General
Topic: Finally arrived: The Vanguard Total International Bond Fund
Replies: 187
Views: 36766

Re: Finally arrived: The Vanguard Total International Bond F

Do you think the expense ratio I will have to pay will go up to: --over 1.00% --over 0.50% --over 0.17%, which is the expense ratio for Fidelity Spartan U. S. Bond Index Fund, Advantage shares --over 0.11% --to 0.11%? Not that bad nisiprius. Maybe to 0.12% from the current 0.10%. Maybe I should have...
by Timcom99
Sat Feb 09, 2013 9:39 pm
Forum: Investing - Theory, News & General
Topic: Finally arrived: The Vanguard Total International Bond Fund
Replies: 187
Views: 36766

Re: Finally arrived: The Vanguard Total International Bond F

How can an index fund "take a beating"?

The huge outflow of money will cause its Expense Ratio to go up me thinks.
by Timcom99
Sat Feb 09, 2013 9:17 pm
Forum: Investing - Theory, News & General
Topic: Finally arrived: The Vanguard Total International Bond Fund
Replies: 187
Views: 36766

Re: Finally arrived: The Vanguard Total International Bond F

Total Bond is going to take a beating when the Total International fund goes live. A good portion of Total Bond is held in Target Date and Life Stragety type funds. When the Total International goes live these funds are going to sell off some of their Total Bond and buy the Total International. Tota...
by Timcom99
Fri Feb 08, 2013 9:40 pm
Forum: Investing - Help with Personal Investments
Topic: Total Stock Index + Small Cap?
Replies: 12
Views: 1869

Re: Total Stock Index + Small Cap?

I'm 25. I just opened my first fund through vanguard for my ROTH IRA. I decided to go with the Vanguard total stock market index investor shares. I'd like a little more "reward" that could be more aggressive/risky. I keep reading how popular the TOTAL STOCK index/ total international index/ bonds l...
by Timcom99
Fri Jan 18, 2013 8:46 pm
Forum: Investing - Theory, News & General
Topic: REITs vs low cost money
Replies: 8
Views: 754

Re: REITs vs low cost money

I like the Vanguard REIT Fund VGSIX or VGSLX next time around when I get promoted to Admiral. A Great fund to hold in ones ROTH IRA and it yields a high dividend. It holds many REITS including Residential, Commercial, Health Care ECT. A very diverse and large number of REITS all in one Fund. I Like ...
by Timcom99
Tue Jan 15, 2013 8:23 pm
Forum: Investing - Help with Personal Investments
Topic: Very high stock allocation- bad thing?
Replies: 29
Views: 3822

Re: Very high stock allocation- bad thing?

Check out Vanguards VSMGX fund which is their Moderate Growth Lifestrategy fund. It is an Index fund of 60% stocks and 40% bonds. The expense ratio is only 0.16% and it distibutes dividends semi annually. It might simplify your portfolio and contains most of the stuff your current portfolio does any...
by Timcom99
Thu Jan 03, 2013 10:28 pm
Forum: Investing - Theory, News & General
Topic: Wellington and Wellesley Interest Rate Risk
Replies: 37
Views: 9790

Re: Wellington and Wellesley Interest Rate Risk

Question: I hate to change my IPO though. What to do....... Answer: If you feel comfortable with two of Vanguards "Sleep Well At Night" funds Wellington And Wellesley simply Stay The Course. Your ROTH account with the 3 index funds provides plenty diversification. Wellington and Wellesley for the lo...
by Timcom99
Sat Dec 22, 2012 7:07 pm
Forum: Investing - Help with Personal Investments
Topic: Recent Retiree - Target Retirement Income or Wellesley Fund?
Replies: 31
Views: 6673

Re: Recent Retiree - Target Retirement Income or Wellesley F

Thank you all. I think I may just go with a 50/50 ratio b/w these two funds. What do ya'll think? I like the 50% - 50% but if it were me I might look into the lifestrategy funds instead of Target Date funds. Lifestrategy Conservative Growth kind of mimics the Wellesley funds 60% Bonds and 40% Stock...
by Timcom99
Sun Dec 02, 2012 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: 300k where to invest
Replies: 5
Views: 1268

Re: 300k where to invest

My wife and I have 300k we wish to grow via stock market or cd’s. WE are not risk adverse. The stock market and CD's are on 2 completely different ends of the risk tolerance spectrum. Stocks have more potential for gain but more risk. CD's risk are small but are currently yeilding very small gain. ...
by Timcom99
Sat Nov 17, 2012 11:00 pm
Forum: Investing - Theory, News & General
Topic: Why not dive into equities right now?
Replies: 25
Views: 3837

Re: Why not dive into equities right now?

CaliJim wrote:Can't dive into a pool when I'm already standing in it waist deep.
-calijim-
50/50
+1

I am 65% Stocks and 35% Bonds and still wont jump because it is my waist deep. Stick to my AA Guns and stay the course.
by Timcom99
Fri Nov 02, 2012 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Wellesley(VWINX) for IRA?
Replies: 5
Views: 1962

Re: Vanguard Wellesley(VWINX) for IRA?

The Vanguard Wellesley and Its more equity heavy father Vanguard Wellington have been doing well for investors since 1970 (Wellesley) and 1929 (Wellington). Lots of bubbles have come and gone or popped but the funds have remained tough. Some people dont like them because they are active funds. They ...
by Timcom99
Tue Oct 23, 2012 7:57 pm
Forum: Investing - Help with Personal Investments
Topic: Where to put $20k
Replies: 6
Views: 1641

Re: Where to put $20k

[IMHO] Wellington is a Great fund of about 65% large cap value stocks and 35% medium term corporate Bonds. Kind of a more equity heavy version of the Wellesley fund she already has. Either do that or just invest the $20,000 in VTSAX which is the Admiral Class version of the Vanguard Total Domestic S...
by Timcom99
Sat Oct 20, 2012 8:51 pm
Forum: Investing - Help with Personal Investments
Topic: Suggestions on portfolio please
Replies: 6
Views: 997

Re: Suggestions on portfolio please

IMHO

Use the Fidelity Spartan 500 fund at 0.05%, Vanguard Total Bond at 0.05% and Vanguard REIT at 0.08% in your 401K and max it if possible. Then in a Vanguard ROTH max it with Vanguard Total International.
by Timcom99
Mon Oct 01, 2012 8:16 pm
Forum: Investing - Theory, News & General
Topic: REITs - basic question, thanks
Replies: 16
Views: 1947

Re: REITs - basic question, thanks

In your Vanguard ROTH next year get the REIT fund if posible. Only $3,000 to get you in. No need to sell your Total Bond Fund that would get you out of Admiral. :)
by Timcom99
Thu Sep 20, 2012 9:32 pm
Forum: Investing - Help with Personal Investments
Topic: Considering 50/50 mix of Wellsley, Wellington
Replies: 18
Views: 3492

Re: Considering 50/50 mix of Wellsley, Wellington

Some people do that 50% Wellesley 50% Wellington split and it works very well for them. Others will argue it leaves you short on Internationals and Treasury Bonds that a Lifecycle or Target Retirement fund would give you. You already have plenty in the Target Retirement funds so you are well investe...
by Timcom99
Thu Sep 13, 2012 7:42 pm
Forum: Investing - Theory, News & General
Topic: International Allocation
Replies: 12
Views: 1340

Re: International Allocation

Maybe invest 50% Domestic and 50% International and rebalance once a year. Make it real easy.
by Timcom99
Thu Sep 13, 2012 7:29 pm
Forum: Investing - Theory, News & General
Topic: Poll: Equity allocation if you had enough to retire
Replies: 61
Views: 4316

Re: Poll: Equity allocation if you had enough to retire

I would just keep things the same as now with my AA being Age - 10 in Bonds. Now if I Won a $100 Million lottery I could go Way Way conservative. Then again, I could do anything I want at that point so I will still "Stay The Course" (Age - 10 in Bonds).
by Timcom99
Fri Sep 07, 2012 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: Need an Alternative to Welleslley for Taxable Account
Replies: 11
Views: 2354

Re: Need an Alternative to Welleslley for Taxable Account

How about the Welleslley Funds more equity involved Brother Wellington (VWENX). Wellington has done better than Wellesley in the last 10 years which History is no indication of how future motion is running. Check out Weillington or a hodge podge of Large Cap Value and Intermediate Term Investment Gr...
by Timcom99
Sun Aug 26, 2012 7:02 pm
Forum: Investing - Help with Personal Investments
Topic: Alternative to Vanguard High-Yield Corporate fund?
Replies: 45
Views: 8610

Re: Alternative to Vanguard High-Yield Corporate fund?

Can anyone recommend a good alternative to Vanguard's High Yield Corporate fund (which is now closed)? Something with low fees. Thanks If you want to stay in the Vanguard family and you are looking into High yields how about Vanguard Long Term Investment Grade (VWESX)? It's yield is below the High ...
by Timcom99
Sun Aug 19, 2012 6:43 pm
Forum: Investing - Help with Personal Investments
Topic: Target Date Fund Expense Ratios
Replies: 9
Views: 2451

Re: Target Date Fund Expense Ratios

Are Target Date Fund ERs include, or in addition to, the ERs of underlying holdings? For example, if a fund lists an ER of 0.75% and its underlying funds all have an ER of 0.5% am I paying 0.75% or 1.25% in total? If the ER of the Target Date fund list at 0.75% that is what it is. The underlying fun...
by Timcom99
Tue Aug 14, 2012 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: No Shelter & Wellington Advice
Replies: 14
Views: 2409

Re: No Shelter & Wellington Advice

Wellington is a Great large cap domestic value fund that also has about 9% international. Equity wise it averages about 65% stocks with the remaining 35% being mostly intermediate term investment grade bonds. It is best to hold in a tax deffered account as the bonds and stocks pay out good dividends...
by Timcom99
Mon Aug 06, 2012 8:13 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Utility Fund
Replies: 8
Views: 2008

Re: Vanguard Utility Fund

I am curious as to why Vanguard has a $100,000 minimum investment requirement for its Utility Fund. It is mostly a fund they offer in 401K type accounts. Not really meant for the average investor to participate in unless they have a Very Very Large well diversified account. In other words, not the ...
by Timcom99
Fri Aug 03, 2012 11:17 pm
Forum: Investing - Help with Personal Investments
Topic: have $100K to invest - unfortunately - taxable account
Replies: 7
Views: 1958

Re: have $100K to invest - unfortunately - taxable account

stlutz wrote:Municipal bonds, Ted. I'm talking Double A rating. Best investment in America.

+1

Tax Free muni bonds for your particular state is a great way to go. You dont want too many taxable bonds in a taxable account. Save the taxable bonds for tax deffered or ROTH IRA accounts.
by Timcom99
Thu Aug 02, 2012 8:38 pm
Forum: Investing - Help with Personal Investments
Topic: How To Manage/Invest 2 Million Usd
Replies: 8
Views: 2191

Re: How To Manage/Invest 2 Million Usd

...So I am 35 and I plan to maybe just retire... Well, the "maybe" makes a big difference. If you retire, put it all in Vanguard Retirement Income, and live off the income. About $40,000/year. Seems doable if you are single. +1 Either that or Vanguard Wellesley Income Fund Admiral Shares (VWIAX). M...
by Timcom99
Wed Aug 01, 2012 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: Help with mediocre 401(k) options
Replies: 10
Views: 1001

Re: Help with mediocre 401(k) options

Welcome to the forum! I'd use these: 25% - SWPPX – Schwab S&P 500 Index (.10%) 10% - DFSTX – DFA US Small Cap I (.37%) <--maybe 20% - MWTIX – Metropolitan West Total Return Bond (.43%) The international and Real Estate choices are too high cost. I'd hold these in IRA or maybe taxable. Your 401 choi...
by Timcom99
Mon Jul 23, 2012 8:01 pm
Forum: Investing - Help with Personal Investments
Topic: bonds in taxable? what should I do?
Replies: 13
Views: 1688

Re: bonds in taxable? what should I do?

Bonds and Big dividend yielding funds are for tax deffered accounts only if you want to be tax efficient. This is even more true if you are in a high tax bracket. If in a very low tax bracket it matters much less. Most tax efficient investors in a high tax bracket Bond invest in Muni Bonds (State Sp...
by Timcom99
Mon Jul 23, 2012 7:42 pm
Forum: Investing - Help with Personal Investments
Topic: Total bond market Is this enough?
Replies: 18
Views: 3079

Re: Total bond market Is this enough?

Should I have any other Type of bonds. I uses a 3 Fund With reit index. Or just stay the course The 3 fund 1) Total Stock Market Index 2) Total International Stock Index 3) Total Bond Market Index plus 4) REIT Index is a common holding of many on this forum. The TIPS fund as a diversifier and prote...
by Timcom99
Sat Jul 21, 2012 3:04 pm
Forum: Investing - Help with Personal Investments
Topic: Rate this Vanguard portfolio
Replies: 9
Views: 1669

Re: Rate this Vanguard portfolio

For a person with at least 25 years before retirement, what do you think about this set of Vanguard funds? 40% VFIAX (S&P 500 Index Admiral shares), 40% VFIAX (Total Int'l Admiral shares) and 20% VMMSX (EM Select stock). I want to just throw away the key and see what is there in 25 years to avoid m...
by Timcom99
Sat Jul 21, 2012 1:47 pm
Forum: Investing - Theory, News & General
Topic: Vanguard crosses $2 trillion asset mark
Replies: 6
Views: 1562

Re: Vanguard crosses $2 trillion asset mark

Costs are very visible when equity returns and interest rates are low. If a fund returns only 2 percent but the ER is 1 percent that means 50 percent of the return has been deducted for costs and investors are noticing this. However back in the days when funds were returning 10 percent, few people ...
by Timcom99
Mon Jul 16, 2012 6:52 pm
Forum: Investing - Help with Personal Investments
Topic: What 1 mutual fund should I start with?
Replies: 17
Views: 1966

Re: What 1 mutual fund should I start with?

Taxable account or tax deferred? VBIMX is the institutional version of Vanguards Intermediate Bond Index fund. Good fund for tax deferred but not necessarily a good fund for a taxable account.
by Timcom99
Fri Jul 06, 2012 9:08 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring Portfolio
Replies: 12
Views: 2095

Re: Retiring Portfolio

Thanks All for the sound advice. I think the consenses is I'm on pretty much the right track as I have a moderate risk tolorence. I am looking at taking 5% from Wellington and putting it a International fund According to the Vanguard site Wellington is curently 8.6% International https://personal.v...
by Timcom99
Thu Jul 05, 2012 8:26 pm
Forum: Investing - Help with Personal Investments
Topic: what do you think of california minis to buy now
Replies: 7
Views: 965

Re: what do you think of california minis to buy now

Assuming you are a California resident, is your tax situation such that you would save significantly on your State taxes by buying a CA muni bond fund rather than a National muni fund? If the answer is NO, then buying CA muni fund would be a mistake. Even if the answer is yes, default risk would wa...
by Timcom99
Wed Jul 04, 2012 7:27 pm
Forum: Investing - Help with Personal Investments
Topic: Considering 3-Fund Portfolio
Replies: 20
Views: 3100

Re: Considering 3-Fund Portfolio

Those 3 Funds 1. Total Domestic 2. Total International 3. Total Bonds are the core fund holdings in many a Bogleheads portfolios. They are also the core of Vanguards Lifestrategy and Target Date Funds. [IMHO] Call Vanguard and let them know your situation and see what they can do to make your swap a...
by Timcom99
Wed Jul 04, 2012 7:06 pm
Forum: Investing - Help with Personal Investments
Topic: 22 Year Old: First Time Investor Needing Help
Replies: 14
Views: 1875

Re: 22 Year Old: First Time Investor Needing Help

The Charles Schwab 2050 Target Date Fund looks to have an ER of 0.89% . http://www.schwabplan.com/FundDetail/SM150.pdf The Vanguard 2050 Target Date fund by comparison has an ER of 0.19% . The Wellington Fund (65% Large Cap Value Stocks and 35% Intermediate Corporate Bonds) Admiral offered to you ha...
by Timcom99
Mon Jul 02, 2012 7:46 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Vanguard funds.
Replies: 15
Views: 1628

Re: Help with Vanguard funds.

[IMHO] Invest the $10,000 into your VWEHX High Yield Corporate to get the lower ER of the Admiral shares making it VWEAX. WOW lots of big dividend yielding funds. You will be getting better than the $1,500 per quarter income on the dividends with that mix. In a taxable account you will have to pay a...
by Timcom99
Sat Jun 30, 2012 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: where to put 1 million dollars
Replies: 23
Views: 4542

Re: where to put 1 million dollars

$1M to invest in a Taxable account. How bout tax free Muni bonds?
by Timcom99
Wed Jun 27, 2012 10:06 pm
Forum: Investing - Help with Personal Investments
Topic: Wellesley Income Fund
Replies: 29
Views: 13381

Re: Wellesley Income Fund

Doing both Wellesley and the Vanguard Retirement Income will give you more diversification (Internationals And Medium And Small Caps And All). Keeping it all in Wellesley will keep things on the one fund stopping center. Wellesley is a great one stop fund by the way that is not very diverse but in h...