Search found 54 matches

by Phenom01
Wed Oct 09, 2019 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: Question about the Safe Withdraw Rate rule
Replies: 20
Views: 1506

Re: Question about the Safe Withdraw Rate rule

The 4% "rule" from the Trinity study, Bergen, Pfau, et al assumes that you will adjust the initial 4% amount for inflation each year. So in your example you would need $1M to support $40k adjusted for inflation according to this rule. In other words future inflation is already factored in once you ...
by Phenom01
Wed Oct 09, 2019 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Question about the Safe Withdraw Rate rule
Replies: 20
Views: 1506

Re: Question about the Safe Withdraw Rate rule

so $40K + (1.03) ^ 25 = $83,751? Assuming I want to retire in 25 years, I would need $80,751 x 25 = $2,093,777.93?
by Phenom01
Wed Oct 09, 2019 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Question about the Safe Withdraw Rate rule
Replies: 20
Views: 1506

Question about the Safe Withdraw Rate rule

When calculating the amount of money needed for early retirement, do you need to account for inflation? Let say if my current annual expenses are $40k. $40k x 25 = $1M. Does that mean I would need $1M at retirement to maintain a $40k/year lifestyle? Or do I need to adjust that $1M for inflation?
by Phenom01
Sat Dec 10, 2016 6:04 pm
Forum: Personal Investments
Topic: Which bond should i add to my 401k?
Replies: 2
Views: 548

Re: Which bond should i add to my 401k?

which prudential fund? PDBZX?
by Phenom01
Sat Dec 10, 2016 12:54 pm
Forum: Personal Investments
Topic: Which bond should i add to my 401k?
Replies: 2
Views: 548

Which bond should i add to my 401k?

I already hold the BND fund in my Roth IRA and looking to hold another bond fund in my 401K so that i can hit my portfolio target. I am leaning towards Prudential Total Return Bond Fund Class Z (PDBZX), but here are my options: Loomis Sayles Bond Institutional (LSBDX, er = 0.66%) Neuberger Berman Hi...
by Phenom01
Wed Jun 08, 2016 9:03 pm
Forum: Personal Investments
Topic: Question about calculating %gain/loss
Replies: 1
Views: 197

Question about calculating %gain/loss

If six funds have the following daily change: .35%, .36%, .12%, .35%, .08%, .11% the average gain/loss for that day of this portfolio would be .23%?
by Phenom01
Tue May 10, 2016 7:59 pm
Forum: Personal Investments
Topic: What to invest in a brokerage
Replies: 9
Views: 1407

Re: What to invest in a brokerage

So you are saying move the VTI and VXUS to a brokerage and leave the BND fund in the IRA account?
by Phenom01
Tue May 10, 2016 7:25 pm
Forum: Personal Investments
Topic: What to invest in a brokerage
Replies: 9
Views: 1407

What to invest in a brokerage

I currently have $60k that is sitting on a savings account doing nothing and was thinking about opening up a brokerage account. The problem is that i don't know what to invest in since i already have a 401k and Roth IRA. Here is financial status/portfolio: Emergency fund: 1 year worth of savings 401...
by Phenom01
Sat Jan 23, 2016 2:30 pm
Forum: Personal Investments
Topic: Question about Vanguard funds
Replies: 12
Views: 1337

Re: Question about Vanguard funds

It is the same -0.33%. I don't get your first statement. If i had $10K i could buy more shares of the admiral fund since it lower in price. Wouldn't that be better than buying less shares of the ETF? No, it would not be. Allow me to explain. A share is a share of something. It's proportional owners...
by Phenom01
Mon Jan 18, 2016 9:44 pm
Forum: Personal Investments
Topic: Question about Vanguard funds
Replies: 12
Views: 1337

Re: Question about Vanguard funds

It is the same -0.33%. I don't get your first statement. If i had $10K i could buy more shares of the admiral fund since it lower in price. Wouldn't that be better than buying less shares of the ETF?
by Phenom01
Mon Jan 18, 2016 9:33 pm
Forum: Personal Investments
Topic: Question about Vanguard funds
Replies: 12
Views: 1337

Re: Question about Vanguard funds

I looked at the funds more closely and noticed that the admiral shares are lower in price but produce less dividend.
by Phenom01
Mon Jan 18, 2016 9:23 pm
Forum: Personal Investments
Topic: Question about Vanguard funds
Replies: 12
Views: 1337

Question about Vanguard funds

What is the difference between VTI and VTSAX? They both invest in the same stocks (Total stock market) and they both have the same expense ration.
by Phenom01
Tue Oct 27, 2015 9:32 pm
Forum: Personal Investments
Topic: Which fund to invest in
Replies: 26
Views: 3247

Re: Which fund to invest in

What should i invest in on a brokerage account when i max out my 401k and Roth IRA? About how much do you expect to contribute to a taxable account annually? $5,000 How much (in dollars) is the maximum employer match in your 401k annually? $1.50 up to 5% of my contribution Taylor is correct about t...
by Phenom01
Mon Oct 26, 2015 10:15 pm
Forum: Personal Investments
Topic: Which fund to invest in
Replies: 26
Views: 3247

Re: Which fund to invest in

What should i invest in on a brokerage account when i max out my 401k and Roth IRA? About how much do you expect to contribute to a taxable account annually? $5,000 How much (in dollars) is the maximum employer match in your 401k annually? $1.50 up to 5% of my contribution Taylor is correct about t...
by Phenom01
Mon Oct 26, 2015 8:29 pm
Forum: Personal Investments
Topic: Which fund to invest in
Replies: 26
Views: 3247

Re: Which fund to invest in

What should i invest in on a brokerage account when i max out my 401k and Roth IRA?
by Phenom01
Mon Sep 28, 2015 3:24 pm
Forum: Personal Investments
Topic: Which fund to invest in
Replies: 26
Views: 3247

Re: Which fund to invest in

I currently have 3 funds on each of my accounts Roth IRA @ Vanguard ($5.7k) Vanguard Total International Stock ETF @30% ER 0.14% Vanguard Total Stock Market ETF @ 60% ER 0.05% Vanguard Total Bond Market ETF @ 10% ER 0.07% 401k @ T. Rowe Price ($18k) T. Rowe Price Equity Index 500 Fund @ 60% ER 0.28...
by Phenom01
Sun Sep 27, 2015 6:27 pm
Forum: Personal Investments
Topic: Which fund to invest in
Replies: 26
Views: 3247

Re: Which fund to invest in

I currently have 3 funds on each of my accounts Vanguard Vanguard Total International Stock ETF @30% Vanguard Total Stock Market ETF @ 60% Vanguard Total Bond Market ETF @ 10% T. Rowe Price T. Rowe Price Equity Index 500 Fund @ 60% T. Rowe Price International Equity Index Fund @ 30% PIMCO Total Retu...
by Phenom01
Sun Sep 27, 2015 4:10 pm
Forum: Personal Investments
Topic: Which fund to invest in
Replies: 26
Views: 3247

Re: Which fund to invest in

I am investing on these funds at Vanguard: Vanguard Total Stock Market ETF 0.05% Vanguard Total International Stock ETF 0.14% Vanguard Total Bond Market ETF 0.07% What is your desired asset allocation? What other accounts do you have, and what funds are in each account in what amounts? What are the...
by Phenom01
Wed Sep 02, 2015 5:57 pm
Forum: Personal Investments
Topic: Which fund to invest in
Replies: 26
Views: 3247

Re: Which fund to invest in

I am investing on these funds at Vanguard:
Vanguard Total Stock Market ETF 0.05%
Vanguard Total International Stock ETF 0.14%
Vanguard Total Bond Market ETF 0.07%
by Phenom01
Wed Sep 02, 2015 3:51 pm
Forum: Personal Investments
Topic: Which fund to invest in
Replies: 26
Views: 3247

Re: Which fund to invest in

T. Rowe Price International Equity Index Fund (PIEQX) @ 0.50% exp T. Rowe Price International Growth & Income Fund (TRIGX) @ 0.86% exp T. Rowe Price Mid-Cap Growth Fund (RPMGX) @ 0.78% exp T. Rowe Price New Era Fund (PRNEX) @ 0.66% exp T. Rowe Price New Horizons Fund (PRNHX) @ 0.80% exp T. Rowe Pric...
by Phenom01
Mon Aug 31, 2015 7:02 pm
Forum: Personal Investments
Topic: Which fund to invest in
Replies: 26
Views: 3247

Re: Which fund to invest in

I plan to invest either of those funds on my 401k. They both have the same ER (.77%) but the health care fund has a much higher rate rate (16% vs 4.8%).
by Phenom01
Mon Aug 31, 2015 2:17 pm
Forum: Personal Investments
Topic: Which fund to invest in
Replies: 26
Views: 3247

Which fund to invest in

T. Rowe Price Target Retirement 2055 Fund

or

T. Rowe Price Health Sciences Fund

I already invest in Vanguard Total Stock Market, International Market and bond market.
by Phenom01
Sun Jul 19, 2015 6:49 pm
Forum: Personal Investments
Topic: Got $40,000 to invest
Replies: 4
Views: 948

Got $40,000 to invest

I already maxed out my 401k and Roth and have another $40,000 to invest. I was reading the sticky article and the next step would be to invest in a brokerage account. I am currently investing in a 2055 target retirement fund with vanguard and t.rowe price which covers the entire US, international an...
by Phenom01
Thu May 14, 2015 10:51 am
Forum: Personal Investments
Topic: Advice for Significant Others 401K Portfolio
Replies: 17
Views: 1334

Re: Advice for Significant Others 401K Portfolio

A 3 fund portfolio at fidelity uses: SPTN TOT MKT IDX ADV (FSTVX) SPTN GLB XUS IDX ADV (FSGDX) SPTN US BOND IDX ADV (FSITX) which are all available in the plan. Best to use those. Low cost, diversified index funds http://www.bogleheads.org/wiki/Fidelity The two she is invested in are both actively ...
by Phenom01
Sun Apr 19, 2015 9:57 pm
Forum: Personal Investments
Topic: New to investment (Portfolio advice)
Replies: 2
Views: 555

New to investment (Portfolio advice)

Emergency funds: 1 year of expenses in a saving account Debt: 0 Tax Filing Status: Single Tax Rate: 25% Federal, 6.45% State State of Residence: NY Age: 21 Desired Asset allocation: 60% stocks / 10% bonds Desired International allocation: 30% of stocks I plan to open a Roth IRA with vanguard and inv...
by Phenom01
Fri Apr 17, 2015 6:44 pm
Forum: Personal Investments
Topic: Calculating expense ratio
Replies: 6
Views: 1444

Re: Calculating expense ratio

You have to calculate the weighted average. Say your allocation is as follows: 50% Fund 1 @ 0.4% exp 30% Fund 2 @ 0.05% exp 20% Fund 3 @ 0.18% exp Your portfolio's expense ratio is the weighted average = (0.5 X 0.4%) + (0.3 X 0.05%) + (0.2 X 0.18%) = 0.2% + 0.015% + 0.036% = 0.251% Thanks DSInveste...
by Phenom01
Fri Apr 17, 2015 6:35 pm
Forum: Personal Investments
Topic: Calculating expense ratio
Replies: 6
Views: 1444

Re: Calculating expense ratio

You can't just sum the ratios. They aren't additive. You'd need to multiply each fund balance by its expense ratio to get the expenses. Then sum up the expenses and divide by the total portfolio balance. Ok so lets say i have the following: Fund 1: $100,000 @ 0.4 exp Fund 2: $25,000 @ 0.05 exp Fund...
by Phenom01
Fri Apr 17, 2015 6:14 pm
Forum: Personal Investments
Topic: Calculating expense ratio
Replies: 6
Views: 1444

Calculating expense ratio

How do you calculate the expense ratio of a diverse portfolio? Lets say if i invest in the following three funds:

Fund 1 @ 0.4% exp
Fund 2 @ 0.05% exp
Fund 3 @ 0.18% exp
-------------------------
Total exp 0.63?
by Phenom01
Wed Jan 07, 2015 8:31 pm
Forum: Personal Investments
Topic: First time investing for retirement (25 years old)
Replies: 36
Views: 4991

Re: First time investing for retirement (25 years old)

Laura,

I plant to max out my my Roth and 401K. Would the allocations still be the same? (61% Vangard total market, 28% International, 11% Bonds)
by Phenom01
Fri Dec 26, 2014 2:10 pm
Forum: Personal Investments
Topic: First time investing for retirement (25 years old)
Replies: 36
Views: 4991

Re: First time investing for retirement (25 years old)

I think you could find a more appropriate small cap fund than the one you just listed, but otherwise it (your last allocation posted) looks good to me. As others have said, it's more important to get the saving and investing going than what your exact allocation is. Good luck and happy investing! W...
by Phenom01
Thu Dec 25, 2014 10:56 pm
Forum: Personal Investments
Topic: First time investing for retirement (25 years old)
Replies: 36
Views: 4991

Re: First time investing for retirement (25 years old)

It could make sense but based on your new contributions it is easier to structure this the way I posted it so that your new contributions basically maintain your asset allocation. If you start adding more money to the 401k then this could shift around. Since all of your money will be sheltered you ...
by Phenom01
Thu Dec 25, 2014 9:01 pm
Forum: Personal Investments
Topic: First time investing for retirement (25 years old)
Replies: 36
Views: 4991

Re: First time investing for retirement (25 years old)

Not necessarily. The 401k costs are not outrageous and I believe you get some matching funds. You don't want to miss out of the free money. You are limited to $5.5k for the roth and based on the amount of new money going into each asset class it makes sense to use the two funds I proposed in the 40...
by Phenom01
Tue Dec 23, 2014 10:55 pm
Forum: Personal Investments
Topic: First time investing for retirement (25 years old)
Replies: 36
Views: 4991

Re: First time investing for retirement (25 years old)

One last question. Would it better to put the bond and International index fund in my vanguard account since vanguard has lower expense ratio?
by Phenom01
Sun Dec 21, 2014 6:52 pm
Forum: Personal Investments
Topic: First time investing for retirement (25 years old)
Replies: 36
Views: 4991

Re: First time investing for retirement (25 years old)

Thanks for sharing the 401k options. Based on what you are saying I assume you basically are starting from zero in all of your investments which is normal for young adults. So, here is how I would set this up to get you started. roth $5.5k Vanguard Total Stock Market 401k $2.5k T. Rowe Price Intern...
by Phenom01
Sun Dec 21, 2014 5:24 pm
Forum: Personal Investments
Topic: First time investing for retirement (25 years old)
Replies: 36
Views: 4991

Re: First time investing for retirement (25 years old)

I think you could find a more appropriate small cap fund than the one you just listed, but otherwise it (your last allocation posted) looks good to me. As others have said, it's more important to get the saving and investing going than what your exact allocation is. Good luck and happy investing! W...
by Phenom01
Fri Dec 19, 2014 1:07 pm
Forum: Personal Investments
Topic: First time investing for retirement (25 years old)
Replies: 36
Views: 4991

Re: First time investing for retirement (25 years old)

$3,500 is going into my 401K per year and i plan to invest $5,500 in my Roth (i haven't invested in a Roth yet). T. Rowe Price International Equity Index Fund (PIEQX) @ 0.50% exp T. Rowe Price International Growth & Income Fund (TRIGX) @ 0.86% exp T. Rowe Price Mid-Cap Growth Fund (RPMGX) @ 0.78% ex...
by Phenom01
Thu Dec 18, 2014 11:34 pm
Forum: Personal Investments
Topic: First time investing for retirement (25 years old)
Replies: 36
Views: 4991

Re: First time investing for retirement (25 years old)

I missed that but I do see one problem. It is likely that your 401k will receive more money than the other accounts so the small cap amount will grow much faster. Could you please post the information on all the fund choices in your 401k along with expense ratio? You need to consider how you will m...
by Phenom01
Thu Dec 18, 2014 10:17 pm
Forum: Personal Investments
Topic: First time investing for retirement (25 years old)
Replies: 36
Views: 4991

Re: First time investing for retirement (25 years old)

Bonds are to provide stability in your portfolio. Long term bonds don't do that and, in fact, act much like equity. I suggest you use a different bond fund. Look at short-term or intermediate term. That said, you don't mention what type of account this is? Roth, 401k, taxable? This is important to ...
by Phenom01
Thu Dec 18, 2014 9:37 pm
Forum: Personal Investments
Topic: First time investing for retirement (25 years old)
Replies: 36
Views: 4991

Re: First time investing for retirement (25 years old)

I think you could find a more appropriate small cap fund than the one you just listed, but otherwise it (your last allocation posted) looks good to me. As others have said, it's more important to get the saving and investing going than what your exact allocation is. Good luck and happy investing! W...
by Phenom01
Mon Dec 15, 2014 5:40 pm
Forum: Personal Investments
Topic: First time investing for retirement (25 years old)
Replies: 36
Views: 4991

Re: First time investing for retirement (25 years old)

WallyBird wrote:Two questions for the OP:

1. Which small cap fund is it that you hold?

2. Are you holding (or planning to hold) these assets in a Roth or Traditional IRA? If your income allows you to do so, you certainly should.
1. T. Rowe Price Health Sciences Fund
2. 401K
by Phenom01
Mon Dec 15, 2014 4:38 pm
Forum: Personal Investments
Topic: First time investing for retirement (25 years old)
Replies: 36
Views: 4991

Re: First time investing for retirement (25 years old)

What is your desired asset allocation plan? Have you written an Investment Policy Statement? Search the wiki for those two terms and examples ---> https://www.bogleheads.org/wiki While the portfolio looks fine, you have to be comfortable with the risks it entails. Are you? Since Total Stock Market ...
by Phenom01
Mon Dec 15, 2014 1:54 pm
Forum: Personal Investments
Topic: First time investing for retirement (25 years old)
Replies: 36
Views: 4991

Re: First time investing for retirement (25 years old)

What is your desired asset allocation plan? Have you written an Investment Policy Statement? Search the wiki for those two terms and examples ---> https://www.bogleheads.org/wiki While the portfolio looks fine, you have to be comfortable with the risks it entails. Are you? Since Total Stock Market ...
by Phenom01
Mon Dec 15, 2014 1:17 pm
Forum: Personal Investments
Topic: First time investing for retirement (25 years old)
Replies: 36
Views: 4991

First time investing for retirement (25 years old)

How does this portfolio look? Emergency funds: 1 Year worth of living expense. Debt: No debt. Tax Filing Status: Single Tax Rate: 15.31% Federal, 5.28% State State of Residence: NYC Age: 25 Desired Asset allocation: 65% stocks / 10% bonds Desired International allocation: 25% of stocks Small Cap mut...
by Phenom01
Sun Oct 05, 2014 6:37 pm
Forum: Personal Investments
Topic: Hello new to the boards [If retirement funds not used up?]
Replies: 24
Views: 2578

Re: Hello new to the boards [If retirement funds not used up

The lowest expense ratio for my employer's stocks is 2% and they take 18% of your profits. Is it still wise to invest in my company's 401k? With a bad 401(k), you should still invest in the 401(k) to get the maximum employer match, as it's hard for a 401(k) to be so bad that it eats up the immediat...
by Phenom01
Sat Oct 04, 2014 6:29 pm
Forum: Personal Investments
Topic: Hello new to the boards [If retirement funds not used up?]
Replies: 24
Views: 2578

Re: Hello new to the boards [If retirement funds not used up

The lowest expense ratio for my employer's stocks is 2% and they take 18% of your profits. Is it still wise to invest in my company's 401k?
by Phenom01
Mon Sep 29, 2014 7:09 pm
Forum: Personal Investments
Topic: Personal investment help
Replies: 2
Views: 362

Re: Personal investment help

So 75/25 with say 30% of stocks in international makes: 75*.7 = 52.5% Total US Stock Index 75*.3 = 22.5% International Index 25% Bond Index Contribute enough to the 401k to get the max employer match. At your tax rate, a Roth is appropriate. Does your employer offer a Roth 401? At your tax rate, yo...
by Phenom01
Mon Sep 29, 2014 6:09 pm
Forum: Personal Investments
Topic: Personal investment help
Replies: 2
Views: 362

Personal investment help

Hey guys/gals, i know i posed a thread on needing assistance with retirement/investing but i thought i would do it the correct way: Emergency funds: One year worth of living expense in a savings account. Debt: No debt Tax Filing Status: Single Tax Rate: 28% Federal, 6.45% State (not to sure if by fe...
by Phenom01
Sat Sep 27, 2014 8:33 pm
Forum: Personal Investments
Topic: 401k or Roth IRA
Replies: 4
Views: 665

Re: 401k or Roth IRA

livesoft wrote:That's the way I think. But instead of 401(k) or Roth, why not 401(k) and Roth IRA?

Also don't forget that tax brackets creep due to inflation.
I am not sure i understand this. From the year 1970 - 2014 the tax bracket for $40k decreased.
by Phenom01
Sat Sep 27, 2014 8:03 pm
Forum: Personal Investments
Topic: 401k or Roth IRA
Replies: 4
Views: 665

401k or Roth IRA

To my understanding (i might be wrong) when you have a 401k plan, your contributions do not get taxed after retirement. So lets say you have $1 million dollars in your 401k and decided to withdraw from it when you retired. Lets say you withdrew $40,000 each year. You will get taxed on that $40k, cor...
by Phenom01
Sat Sep 27, 2014 6:39 pm
Forum: Personal Investments
Topic: Hello new to the boards [If retirement funds not used up?]
Replies: 24
Views: 2578

Re: Hello new to the boards [If retirement funds not used up

Are you maxing out the 401k at 17.5K per year? If not, why not? Also, use low cost mutual funds and skip the brokerage. No, i am not maxing out the 401K because the funds offered by my broker has high expense ratio. I am currently maxing out the Roth IRA and invested those funds in ETFs. I am in th...