Search found 4861 matches

by Johm221122
Wed Oct 18, 2017 7:32 am
Forum: Investing - Help with Personal Investments
Topic: Can I hold Vanguard ETFs in a Vanguard Roth IRA?
Replies: 3
Views: 196

Re: Can I hold Vanguard ETFs in a Vanguard Roth IRA?

Yes,you can use ETF's in vanguard Roth IRA
by Johm221122
Wed Oct 18, 2017 4:24 am
Forum: Investing - Theory, News & General
Topic: Does bond length matter for investing in bond funds?
Replies: 20
Views: 1459

Re: Does bond length matter for investing in bond funds?

JustinR If interest rates go up, will the long term bonds go negative? Depends on how much rates go up,dividend(interest) may keep it from going negative Then it doesn't seem like there's any downside to going the higher yield long term bonds? https://www.bogleheads.org/forum/viewtopic.php?t=53592 ...
by Johm221122
Tue Oct 17, 2017 9:36 pm
Forum: Investing - Theory, News & General
Topic: Does bond length matter for investing in bond funds?
Replies: 20
Views: 1459

Re: Does bond length matter for investing in bond funds?

JustinR
If interest rates go up, will the long term bonds go negative?
Depends on how much rates go up,dividend(interest) may keep it from going negative
by Johm221122
Tue Oct 17, 2017 8:23 pm
Forum: Investing - Help with Personal Investments
Topic: seeking advice on asset allocation, or is Vanguard crazy
Replies: 26
Views: 2289

Re: seeking advice on asset allocation, or is Vanguard crazy

Whenever I question my AA,I look at
Vanguard portfolio allocation models
https://personal.vanguard.com/us/insigh ... llocations

How much difference would it make to have 10% more equities
by Johm221122
Tue Oct 17, 2017 6:34 pm
Forum: Investing - Theory, News & General
Topic: Does bond length matter for investing in bond funds?
Replies: 20
Views: 1459

Re: Does bond length matter for investing in bond funds?

aristotelian wrote:
Tue Oct 17, 2017 9:39 am
I am comfortable putting at risk in stocks, and then putting what I want to have stable in intermediate term bonds.
I agree with this,bonds are for stability short or intermediate government bonds
I just don't consider long term or corporate for my investments
by Johm221122
Tue Oct 17, 2017 4:44 am
Forum: Investing - Theory, News & General
Topic: Does bond length matter for investing in bond funds?
Replies: 20
Views: 1459

Re: Does bond length matter for investing in bond funds?

JustinR The yields are better in the long-term fund so why shouldn't I invest in that? The risk is greater,if/when rates rise long term bonds funds NAV will fall more than shorter bonds,but your fund will pay higher interest Have you looked at Wiki https://www.bogleheads.org/wiki/Individual_bonds_v...
by Johm221122
Mon Oct 16, 2017 8:35 pm
Forum: Investing - Help with Personal Investments
Topic: Purchasing Savings Bonds with Pre-Paid Debit Card?
Replies: 3
Views: 253

Re: Purchasing Savings Bonds with Pre-Paid Debit Card?

Is this "savings" for short term,a 401 would be good for hands off "savings"if long term
If and when you need money you could borrow with loan
by Johm221122
Mon Oct 16, 2017 8:10 am
Forum: Investing - Help with Personal Investments
Topic: EE/Ibonds & Tax Advantaged Space
Replies: 25
Views: 1488

Re: EE/Ibonds & Tax Advantaged Space

Yes he could
"Because of interest rates"
He probably would not,but they may be appeal more to him as he ages and if he still has no 401
by Johm221122
Mon Oct 16, 2017 4:31 am
Forum: Investing - Help with Personal Investments
Topic: a question about selecting investments for 401k
Replies: 8
Views: 460

Re: a question about selecting investments for 401k

Asking portfolio question
viewtopic.php?t=6212
Were missing information
What other investments do you have?IRA?tax rate?
by Johm221122
Mon Oct 16, 2017 1:39 am
Forum: Investing - Help with Personal Investments
Topic: EE/Ibonds & Tax Advantaged Space
Replies: 25
Views: 1488

Re: EE/Ibonds & Tax Advantaged Space

Ok, after doing some more reading, what would you think of this? i slowly sell all of my bond holdings (bnd) in my ira and invest in the following: 50% national intermediate muni fund 25% ny long term muni fund 25% ibonds (not too interested in EE bonds as I am also considering this plus my brokera...
by Johm221122
Sun Oct 15, 2017 8:26 pm
Forum: Investing - Help with Personal Investments
Topic: EE/Ibonds & Tax Advantaged Space
Replies: 25
Views: 1488

Re: EE/Ibonds & Tax Advantaged Space

Do you live in Ny city and do you want to invest in only Ny state municipal bonds?
by Johm221122
Sun Oct 15, 2017 8:15 pm
Forum: Investing - Help with Personal Investments
Topic: EE/Ibonds & Tax Advantaged Space
Replies: 25
Views: 1488

Re: EE/Ibonds & Tax Advantaged Space

What information in specific? I'm 33, live in NY, in the 28% tax bracket. Currently have low 6 figures invested in the market and am aiming for around 15% of that in bonds. If you have the same marginal tax rate today until you cash them out, the tax advantage of I and EE Bonds is equivalent to int...
by Johm221122
Sun Oct 15, 2017 7:59 pm
Forum: Investing - Help with Personal Investments
Topic: EE/Ibonds & Tax Advantaged Space
Replies: 25
Views: 1488

Re: EE/Ibonds & Tax Advantaged Space

I would consider Municipal bonds as mentioned by aristotelian And put about half for rebalancing in bond fund hmm...i don't know a single thing about muni bonds, will have to do some reading. are you recommending that i have 50% muni bond(nyc?) in my taxable account and then 50% bnd in my ira and n...
by Johm221122
Sun Oct 15, 2017 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: EE/Ibonds & Tax Advantaged Space
Replies: 25
Views: 1488

Re: EE/Ibonds & Tax Advantaged Space

Yes it would be advisable to not have all savings bonds,so you can easily rebalance Savings bonds have major drawbacks in rebalancing,taxes because of tax differed status and EE bonds and maturity makes sense. is there a certain allocation you would recommend? 50% bnd 50% ibonds? 75/25? Not without...
by Johm221122
Sun Oct 15, 2017 7:30 pm
Forum: Investing - Help with Personal Investments
Topic: EE/Ibonds & Tax Advantaged Space
Replies: 25
Views: 1488

Re: EE/Ibonds & Tax Advantaged Space

Yes it would be advisable to not have all savings bonds,so you can easily rebalance Savings bonds have major drawbacks in rebalancing,taxes because of tax differed status and EE bonds and maturity makes sense. is there a certain allocation you would recommend? 50% bnd 50% ibonds? 75/25? Not without...
by Johm221122
Sun Oct 15, 2017 7:27 pm
Forum: Investing - Theory, News & General
Topic: Which would you rather own: AAPL or S&P 600 Small Cap Index?
Replies: 57
Views: 3112

Re: Which would you rather own: AAPL or S&P 600 Small Cap Index?

Which is more diversified: a basket of 200 stocks of small companies, all in the same line of business, or a massive conglomerate with 200 divisions, each in a different line of business? Definitely 200 small companies,one scandal in one corporation can bring down 200 divisions of one company A dow...
by Johm221122
Sun Oct 15, 2017 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: EE/Ibonds & Tax Advantaged Space
Replies: 25
Views: 1488

Re: EE/Ibonds & Tax Advantaged Space

Yes it would be advisable to not have all savings bonds,so you can easily rebalance
Savings bonds have major drawbacks in rebalancing,taxes because of tax differed status and EE bonds and maturity
by Johm221122
Sun Oct 15, 2017 6:40 pm
Forum: Investing - Theory, News & General
Topic: Which would you rather own: AAPL or S&P 600 Small Cap Index?
Replies: 57
Views: 3112

Re: Which would you rather own: AAPL or S&P 600 Small Cap Index?

Which is more diversified: a basket of 200 stocks of small companies, all in the same line of business, or a massive conglomerate with 200 divisions, each in a different line of business? Definitely 200 small companies,one scandal in one corporation can bring down 200 divisions of one company A dow...
by Johm221122
Sun Oct 15, 2017 6:14 am
Forum: Investing - Theory, News & General
Topic: Which would you rather own: AAPL or S&P 600 Small Cap Index?
Replies: 57
Views: 3112

Re: Which would you rather own: AAPL or S&P 600 Small Cap Index?

How would you determine the "bottom" stocks? Do you mean the smallest or the ones that are somehow judged to be the most likely to perform poorly? If the market is efficient, you can't determine the underperformers in advance since they should all be fairly priced based on what we know at that time...
by Johm221122
Sun Oct 15, 2017 4:27 am
Forum: Investing - Theory, News & General
Topic: Does market timing matter for long term investing?
Replies: 11
Views: 1055

Re: Does market timing matter for long term investing?

I agree with what you said. So the bottom line is, decide your AA, pick low cost broad market index funds and invest regularly regardless of what's happening in the market. Forget market timing for long term investing. Yes,that is bottom line,if you don't feel comfortable with 70% stocks there is n...
by Johm221122
Sat Oct 14, 2017 6:20 pm
Forum: Investing - Theory, News & General
Topic: Which would you rather own: AAPL or S&P 600 Small Cap Index?
Replies: 57
Views: 3112

Re: Which would you rather own: AAPL or S&P 600 Small Cap Index?

Seasonal wrote:
Sat Oct 14, 2017 6:12 pm
Which is more diversified: a basket of 200 stocks of small companies, all in the same line of business, or a massive conglomerate with 200 divisions, each in a different line of business?
Definitely 200 small companies,one scandal in one corporation can bring down 200 divisions of one company
by Johm221122
Sat Oct 14, 2017 5:39 pm
Forum: Investing - Theory, News & General
Topic: Which would you rather own: AAPL or S&P 600 Small Cap Index?
Replies: 57
Views: 3112

Re: Which would you rather own: AAPL or S&P 600 Small Cap Index?

The most important reason I would rather own index is that the index will change with time,companies will either grow out of small cap index or fall from index but it will change with time and I hope to be investing another 50 years,were will Apple be in 50 years would be too much uncertainty(risk)
by Johm221122
Sat Oct 14, 2017 8:20 am
Forum: Investing - Help with Personal Investments
Topic: All in with Balanced Index fund
Replies: 41
Views: 4887

Re: All in with Balanced Index fund

Dexter74
isn't more popular


One reason people don't mention it or recommend it more because it is not an option in most people's workplace plans and mixing balanced funds with your other investments gets complicated
by Johm221122
Sat Oct 14, 2017 2:11 am
Forum: Investing - Theory, News & General
Topic: What's your asset allocation and why?
Replies: 160
Views: 13648

Re: What's your asset allocation and why?

Age 48 60% stocks/40 % fixed income 30% S&P 500 15% extended market index 8 % total international index 7% international explorer 25% stable value 15 % savings bonds Why 60/40 asset allocation?my plan is over half way to goal 60/40 under half way 70/30(so if market drops my portfolio to under half w...
by Johm221122
Thu May 07, 2015 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: emergency fund
Replies: 9
Views: 1928

Re: emergency fund

If you use search feature,there's lots of past posts

John
by Johm221122
Fri May 01, 2015 8:28 am
Forum: Investing - Help with Personal Investments
Topic: New User- Roth IRA
Replies: 11
Views: 715

Re: New User- Roth IRA

Do you have 401 or similar plan?
Welcome to forum
John
by Johm221122
Thu Apr 09, 2015 8:40 pm
Forum: Investing - Help with Personal Investments
Topic: Investing ROTH 401K
Replies: 3
Views: 452

Re: Investing ROTH 401K

If you decide to go with Roth,I would use Roth IRA before company Roth (401).But make sure you get match first.You may also want to consider IRA before 401

John
by Johm221122
Wed Mar 25, 2015 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Whole Life Insurance Vs. 401K/IRA
Replies: 9
Views: 2992

Re: Whole Life Insurance Vs. 401K/IRA

Use search feature and you will find lots of posts on this

John
by Johm221122
Wed Mar 25, 2015 9:11 am
Forum: Investing - Help with Personal Investments
Topic: Considering Vanguard Health Care Fund VGHCX
Replies: 15
Views: 5135

Re: Considering Vanguard Health Care Fund VGHCX

It would make little difference,increasing your savings rate even buy 1% would make more of a difference

John
by Johm221122
Tue Mar 17, 2015 8:30 am
Forum: Investing - Help with Personal Investments
Topic: Retiring. Looking for advice on 401K rollover
Replies: 6
Views: 954

Re: Retiring. Looking for advice on 401K rollover

Don't think it is possible for 5% and not take risk.No guarantee but maybe Vanguard target retirement income fund or similar balanced fund
Try the wiki
http://www.bogleheads.org/wiki/Getting_started
John
by Johm221122
Tue Mar 17, 2015 8:13 am
Forum: Investing - Help with Personal Investments
Topic: Is Now a Good Time to Decrease Stock Index Allocation?
Replies: 9
Views: 1990

Re: Is Now a Good Time to Decrease Stock Index Allocation?

I recently changed my AA because of life events,base your AA on your need,ability and willingness to take risk

John
by Johm221122
Mon Mar 16, 2015 8:47 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3015
Views: 881766

Re: What Movie Have You Recently Watched?

Winthorpe wrote:Gone Girl -- I thought is was excellent. It started out slowly, and I was beginning to get bored. After the first 45 minutes or so, it got exponentially better up to the very end. Unique plot and unpredictable.

I also enjoyed Gone Girl

John
by Johm221122
Wed Dec 10, 2014 3:15 am
Forum: Investing - Help with Personal Investments
Topic: IRA contributions help
Replies: 5
Views: 537

Re: IRA contributions help

You could but $5.5k isn't very much to invest and many fund minimums to get you started are $3k. Normally we see people using a traditional 401k and a roth. This is especially true because if you have a 401k or other plan available through your employer there are income limits for deductibility. Ha...
by Johm221122
Wed Dec 03, 2014 9:41 am
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund Threads
Replies: 10
Views: 1297

Re: Emergency Fund Threads

VirginiaBob wrote:I kind of like seeing the same questions posed over and over again and the responses to further reinforce my knowledge.

+1 always is helpful to rethink things or learn new ideas

John
by Johm221122
Wed Dec 03, 2014 9:33 am
Forum: Investing - Help with Personal Investments
Topic: Best Investments for Roth IRA
Replies: 12
Views: 3759

Re: Best Investments for Roth IRA

One goal one portfolio
http://www.kevinoninvesting.com/2012/04 ... o.html?m=1
This is great advice by Kevin



John
by Johm221122
Wed Nov 26, 2014 12:17 pm
Forum: Investing - Theory, News & General
Topic: Reporter doing story on Roth IRAs
Replies: 1
Views: 628

Re: Reporter doing story on Roth IRAs

Hopefully reporter doesn't overstate Roth advantage over traditional

John
by Johm221122
Mon Nov 24, 2014 5:57 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA for my fun money
Replies: 5
Views: 867

Re: Roth IRA for my fun money

Some consider Roth most valuable space

John
by Johm221122
Mon Nov 24, 2014 5:21 am
Forum: Personal Consumer Issues
Topic: Bogleheads, any "Black Friday" [recommendations]
Replies: 59
Views: 7483

Re: Bogleheads, anyone doing "Black Friday"

I'm taking grandson to zoo :beer
John
by Johm221122
Thu Nov 20, 2014 5:21 am
Forum: Investing - Help with Personal Investments
Topic: Which bond fund for a three-fund taxable portfolio?
Replies: 8
Views: 2462

Re: Which bond fund for a three-fund taxable portfolio?

This WIKI link may help m John From that article: "Depending on the interest rate, a typical money market fund yields anywhere from 2% to 5%" How long ago was it written? I think it needs updating. Makes me wonder what other information may be out of date. I'm sure there is some outdated ...
by Johm221122
Wed Nov 19, 2014 10:11 am
Forum: Investing - Help with Personal Investments
Topic: Help with Schwab 401k Investment Choices
Replies: 10
Views: 1236

Re: Help with Schwab 401k Investment Choices

nolax29 wrote:As a mix of three or four solid index funds but I may be wrong.

What are your 401 retirement funds? What are vanguard retirement funds?
John
by Johm221122
Wed Nov 19, 2014 9:39 am
Forum: Investing - Help with Personal Investments
Topic: Help with Schwab 401k Investment Choices
Replies: 10
Views: 1236

Re: Help with Schwab 401k Investment Choices

nolax29 wrote:I had not though about changing to target retirement funds that meet my desired AA. Seems like a very simple option and will be well diversified. Historically the returns are not as great though.

Historical returns of retirement fund not as great as?

John
by Johm221122
Wed Nov 19, 2014 8:56 am
Forum: Investing - Help with Personal Investments
Topic: Help with Schwab 401k Investment Choices
Replies: 10
Views: 1236

Re: Help with Schwab 401k Investment Choices

nolax29 wrote:I also have a Roth IRA with Vanguard in one fund the VTSAX

Have you considered changing your Roth to a target retirement fund and picking a similar one in 401.Pick a fund that meets your desired AA and not by year

John
by Johm221122
Wed Nov 19, 2014 8:23 am
Forum: Investing - Help with Personal Investments
Topic: IRA Contribution Question and Age
Replies: 18
Views: 2385

Re: IRA Contribution Question and Age

As long as I don't need money in current tax year i'd contribute

John
by Johm221122
Wed Nov 19, 2014 8:15 am
Forum: Investing - Help with Personal Investments
Topic: I may not make my retirement goals! What to do?
Replies: 49
Views: 5027

Re: I may not make my retirement goals! What to do?

It is easy to say just do it - much harder when you have to change your plan.. After the last 10-15 years we know what the market can do.You have to weight your need with ability and willingness to take risk.This is a question we need to take an educated guess because none of us know what future re...
by Johm221122
Wed Nov 19, 2014 5:03 am
Forum: Investing - Help with Personal Investments
Topic: Help with Schwab 401k Investment Choices
Replies: 10
Views: 1236

Re: Help with Schwab 401k Investment Choices

What other investments do you have, What AA do you want?
Asking portfolio question
viewtopic.php?t=6212

Welcome to forum
John
by Johm221122
Wed Nov 19, 2014 4:36 am
Forum: Investing - Theory, News & General
Topic: VWINX (Wellesley Inc.)
Replies: 44
Views: 8605

Re: VWINX (Wellesley Inc.)

Does it meet your desired asset allocation? If Wellesley is too risky for him, he can pair it with cash, and if it too safe, he can pair with the Vanguard Wellington fund. +1 investor Small cap, international, Reits John About 15% of Wellesley's equity holdings consist of international stocks (6% o...