Search found 10 matches

by limache
Sun May 12, 2013 7:41 pm
Forum: Investing - Help with Personal Investments
Topic: 401K no index funds?
Replies: 27
Views: 7345

Re: 401K no index funds?

Just how realistic is it for people to lobby for the inclusion of an index fund? Do employers have a contract with asset managers to be the sole providers of their 401ks or is it possible to ask if they can add the Vanguard Total Stock Market fund? I actually have just 3300 in a taxable personal acc...
by limache
Sun May 12, 2013 2:18 am
Forum: Investing - Help with Personal Investments
Topic: 401K no index funds?
Replies: 27
Views: 7345

Re: 401K no index funds?

Yes they do offer a match but I'm not sure how much they offer. I'll get back to you on that. They offer target funds vs building out out your own portfolio. Looking at the funds themselves, here is the info. I've scanned and attached them rather than typing everything out. https://www.box.com/s/f4b...
by limache
Sun May 12, 2013 1:44 am
Forum: Investing - Help with Personal Investments
Topic: 401K no index funds?
Replies: 27
Views: 7345

401K no index funds?

Hi I'm starting a new job and I'm looking over the 401K plan. I was looking through the funds and realized they had no index funds, only active funds. Would you still invest in a 401K that doesn't have index funds and if so, how would you approach that? Do people ever bring up the issue of the absen...
by limache
Tue Mar 12, 2013 2:33 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1875
Views: 1154249

Re: One fund or three?

... So what about the Vanguard LifeStrategy Growth Fund (VASGX) in terms of tax efficiency? Mine is in a taxable account. What's considered a "tax-efficient" stock fund? Hi limache (and I certainly hope that's an allegorical, not literal, name, otherwise my sympathies), The LifeStrategy f...
by limache
Tue Mar 12, 2013 12:41 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1875
Views: 1154249

Re: One fund or three?

limache: What do you think of a fund of fund vs buying the 3 funds separately? Vanguard experts now use the 3-fund portfolio for both their Target and Life-Strategy Funds. Vanguard fund-of-funds have a $1,000 minimum, so investors can now start a one-fund diversified portfolio with a $1,000 investm...
by limache
Wed Feb 20, 2013 3:52 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1875
Views: 1154249

Re: The Three Fund Portfolio

Actually I was just wondering, how does putting it in a taxable vs retirement account affect a FOF like the LifeStrategy? Since you can only put in 5000 annually for retirement accounts, if you want to invest more, would it make sense to max out the 5000 annual account and then open another FOF acco...
by limache
Wed Feb 20, 2013 3:18 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1875
Views: 1154249

Re: The Three Fund Portfolio

What do you think of a fund of fund vs buying the 3 funds separately? What are pros and cons? I thought about this on my own and so far I've come up with the fact that if you were to buy the 3 funds on your own, you'd need at least 9K to buy each. With the FOF, you only need a minimum of 3000. Howev...
by limache
Mon Dec 24, 2012 9:50 am
Forum: Investing - Help with Personal Investments
Topic: A couple questions [Investing on Behalf of Parents]
Replies: 11
Views: 1226

Re: A couple questions [Investing on Behalf of Parents]

Thank you for the feedback everyone. You have all definitely changed my mind and I am glad I asked first before putting any money into anything.c So I did a little research on I-bonds: is the biggest benefit basically that it is essentially a risk free guaranteed investment? I think now with this pe...
by limache
Sun Dec 23, 2012 6:55 am
Forum: Investing - Help with Personal Investments
Topic: A couple questions [Investing on Behalf of Parents]
Replies: 11
Views: 1226

Re: A couple questions [Investing on Behalf of Parents]

Thank you very much for the responses! I didn't get any notifications so I thought no one replied so I appreciate all the responses. I will have to take some time to look over the feedback, especially the i bonds. But I guess I'd like to start investing at least some money in equities and start reap...
by limache
Tue Dec 18, 2012 10:07 pm
Forum: Investing - Help with Personal Investments
Topic: A couple questions [Investing on Behalf of Parents]
Replies: 11
Views: 1226

A couple questions [Investing on Behalf of Parents]

So I'm a pretty young guy (23, turning 24 in Jan) and my parents have asked me invest some of their spare cash (exactly 10K) because it's just sitting there and doing nothing. After reading the book common sense on mutual funds, I understand the basics of index investing. Now I know that Vanguard ha...