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I had a post about this a year? ago. I suggested that you switch back and forth between the two each quarter or month, based on what fund was doing worse. That way, in a tax deferred account, you were always buying the down fund at a discount compared to the other. The theory was that you could beat...

It is for MainePers. Vesting is 5 years for the pension, three years for the 457.

Got a new job working for local Public Works. 48 years old. My wife and I have $750,000 currently saved for retirement in Vanguard Target date funds. House paid is paid for, no debt. Summer home has $27,000 balance. Once I choose a plan, that is it, I can't change. Pension: NO social security offset...

The STAR or the Target retirement looks like better choices.

Thank you

I would prefer him to open his account at Vanguard. I thought the IRA's had only a $1000 minimum for any fund?

Hello all - My son has the opportunity to work for the next 3 weeks at his first job. He is 16 years old. If he works all the overtime the state allows him to work, he should make over $1200. Vanguard has a minimum of $1000 for an IRA. Does his income need to gross over $1000 or net over $1000 to qu...

maj wrote:You have just presented the major problem with an excellent investment plan--it is boring.
Be grateful you ended up with this problem.

I needed to hear that.

I am in the 2035 Target Date Fund for my IRA. I have been for years. It puts me on a glide path to retire at 65. I am currently 46. Returns have been "eh". Should I look at other options? Any other Vanguard funds or combination of Vanguard funds would you recommend? I am kind of mentally s...

Good Morning, My wife and I work for the same company. We file jointly. She is enrolled in an HSA through work and we have a high deductible plan. We currently have over $14,000 in the account and are only making 0.05 interest on the money through a local bank. I want to transfer the money to a Vang...

Looking for recommendations. I am 44 and the wife is 45.

Thank you.

My wife and I rolled over our old 401K plans into Vanguard. If we move some more of our savings out of our bank account to Vanguard, we will be over the $500,000 threshold and qualify for their Investment Plan Services. Is this service worthwhile? How detailed does it get? We have a lot in cash righ...

I am in the same boat. I have read a lot of negative reivews on the Maine plan. I was looking at a Vanguard plan. Anyone else have any input?

Hi everyone. I live in Maine and I am looking at revamping our childrens college savings plans. We have Coverdale ESA's set up for each child ($8000 in each) and they are in some growth stock mutual funds. My parents set up some 529 plans for my children ($10,000 in each). The 529's are in the Maine...

What fund would you use for $25000 to keep in a low risk account instead of a Savings/Money Market fund?

I was looking at Vanguard GNMA as an option. Any alternatives?

Thanks for the comments. It was something that popped into my head. I guess I was looking at it from more of a general Value approach within a well recognized benchmark of performance....just buy the fund each quarter that is undervalued or underperforming. The 500 Index and the Growth/Value funds s...

Lets say in a tax-deferred account you invested only in the Vanguard Growth Index Fund or the Vanguard Value Index Fund and automaticly shifted all of the assests into the fund each month or quarter that performed the worst. Would that not be buying low and selling high within the S&P 500 Index ...

My parents set up a 529 plan for each of my kids and the plans are really performing poorly. We have been saving in a Vanguard Coverdale ESA for them, but want to contribute more than $2000/year. Can we open up our own 529 Vanguard plans for each of our kids, or can they only have one each? PS - Can...

I personally do not care what "the math" says about paying off your home. You have to live somewhere. In our instance, my wife and I wanted to create a stable upbringing for our two children. I NEVER wanted to be in a position, where we lost our jobs or had something horrible happen to us ...

101... You should look at all accounts as one portfolio. When you do that you will realize it's perfectly fine to hold the same TR fund in all accounts. My comment on your choice is-- I would consider an 88/12 portfolio extremely aggressive. Paul If we want to retire at 60 then, according to Vangua...

Does that include retirement accounts and home value?

101... You should look at all accounts as one portfolio. When you do that you will realize it's perfectly fine to hold the same TR fund in all accounts. My comment on your choice is-- I would consider an 88/12 portfolio extremely aggressive. Paul If we want to retire at 60 then, according to Vangua...

The Vanguard 2035 Fund has just under 12% invested in bonds with the remainder allocated to Domestic/International equities. How does a 12% bond allocation match your risk tolerance? Most Bogleheads run with bonds = age or bonds = age - 10. You're at bonds = age - 29, so the 2035 fund is appropriat...

Hello all - I am 41 years old and my wife is 42. We each have Roth IRA's in Vanguard Target 2035 fund. Between our 401ks and Roth IRA's and Traditional IRA we have over $200,000 saved so far. Roths make up a small share, but we are now contributing $10,000 a year between the two of us and maxing out...