Search found 2933 matches

by alec
Sat Nov 17, 2018 7:48 am
Forum: Investing - Theory, News & General
Topic: What is the true expense of buying an ETF vs a mutual fund?
Replies: 8
Views: 720

Re: What is the true expense of buying an ETF vs a mutual fund?

I gave up 8-10 basis points this week (VG newb thinking that an ETF was going to be more tax efficient before I found out later that Vanguard MFs are just as tax efficient as their ETFs). I was very, very disappointed in the trade execution. At my previous broker I would almost always get placed at...
by alec
Thu Nov 15, 2018 9:10 pm
Forum: Investing - Help with Personal Investments
Topic: Move money from VG Total Bond Market Index Fund into TIAA Traditional?
Replies: 3
Views: 454

Re: Move money from VG Total Bond Market Index Fund into TIAA Traditional?

If you do move money from Vanguard TBM fund into TIAA traditional, what are your withdrawal options? Can you just take RMD from TIAA traditional?
by alec
Thu Nov 15, 2018 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Keep voluntary life through employer at 58 / 60 years old?
Replies: 7
Views: 514

Re: Keep voluntary life through employer at 58 / 60 years old?

Maybe you should see if you can get 5 Have you tried applying for a 5 or 10 year term? $200k or $250k. You mention having some medical issues, but I'd at least try. Then you can compare to the vol life costs. Should be a lot less. year term life insurance outside of work. That should be cheaper. :th...
by alec
Thu Nov 15, 2018 8:56 pm
Forum: Investing - Help with Personal Investments
Topic: LifePath Fund 2040
Replies: 4
Views: 227

Re: LifePath Fund 2040

My wife and I have our Roth/Trad'l's through her work. We have SAUIX Lifepath 2040 Institutional. We are in it due to my wife's lower than normal ER. This is changing to Blackrock in the immediate future (< a week) This rate of return as of yesterday is -3.28%. I was pretty much shocked to see the ...
by alec
Thu Nov 15, 2018 8:47 pm
Forum: Investing - Theory, News & General
Topic: Can someone explain specifically how the "bucket" approach to retirement withdrawals is supposed to work?
Replies: 75
Views: 4750

Re: Can someone explain specifically how the "bucket" approach to retirement withdrawals is supposed to work?

retire2022 wrote:
Thu Nov 15, 2018 8:37 pm
alec

still not working

morningstar.com error header
This page is temporarily unavailable. We apologize for the inconvenience. Please try back again later.

Click here return to morningstar.com.
hmmmm... that's weird. I'm using Chrome. Maybe Google it yourself.
by alec
Thu Nov 15, 2018 8:46 pm
Forum: Investing - Help with Personal Investments
Topic: Qualified Account Allocation Guidance
Replies: 2
Views: 217

Re: Qualified Account Allocation Guidance

I have a few responses, but bumping for more interested. 1) Our real estate investments are a substantial portion of our investments and not sure how to factor this into asset allocation for our equity/bond ratios. What would be a good recommended asset allocation? 2)We want to keep it simple; 3 or ...
by alec
Thu Nov 15, 2018 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Planning
Replies: 10
Views: 774

Re: Retirement Planning

I like the idea of a monthly check through dividends. I have not considered delaying Social Security by reducing my Portfolio. I have considered the bucket system, where I would need to sell off funds to provide income. That would be new to me and I guess I shy away from the unknown. There are many...
by alec
Thu Nov 15, 2018 8:20 pm
Forum: Investing - Theory, News & General
Topic: Can someone explain specifically how the "bucket" approach to retirement withdrawals is supposed to work?
Replies: 75
Views: 4750

Re: Can someone explain specifically how the "bucket" approach to retirement withdrawals is supposed to work?

I was totally searching for something else (promise), and stumbled across Morningstar discussion from... gasp... 2003 about the similar bucket approach by Paul Grangaard.

The Grangaard Strategy

ps - Grangaard's book was [shockingly] void of details on how to implement the bucket strategy. :D
by alec
Thu Nov 15, 2018 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Planning
Replies: 10
Views: 774

Re: Retirement Planning

To provide a regular income, with a monthly payout, I am looking at putting my Lump Sum of 413,000 into VWEHX. Vanguards High Yield Corporate Bond fund. It has a monthly dividend, with a yield currently of 6%. That would give me with a regular dependable income of just over 61K per year. I then wou...
by alec
Thu Nov 15, 2018 8:03 pm
Forum: Investing - Theory, News & General
Topic: Press Release--Vanguard Continues To Expand Active Fixed Income Offerings With Proposed Global Credit Bond Fund
Replies: 19
Views: 2100

Re: Press Release--Vanguard Continues To Expand Active Fixed Income Offerings With Proposed Global Credit Bond Fund

For the uniformed (e.g. me), what is a credit bond? The funds strategy and policy [kind of] explains it: Investment strategy The fund will invest in securities issued throughout the world, including issuers located in emerging markets, and denominated in global currencies. The fund will normally in...
by alec
Thu Nov 15, 2018 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Planning
Replies: 10
Views: 774

Re: Retirement Planning

It was a little confusing, but it appears you have:

1. Lump sum rollover to an IRA of 413,000, and then
2. an additional 600,000 somewhere else?

Is that right?
by alec
Thu Nov 15, 2018 7:36 pm
Forum: Investing - Help with Personal Investments
Topic: New 401(k) fund allocation advice
Replies: 6
Views: 423

Re: New 401(k) fund allocation advice

The Large + mid + small cap index funds probably add up to a total US stock market fund, but the int'l options you have higher priced. Why not just pick a target retirement fund? The amount you'll be contributing every year, since you're so young, is going to swamp the investment return of the funds...
by alec
Thu Nov 15, 2018 7:27 pm
Forum: Investing - Help with Personal Investments
Topic: Young Professional...No Safe Investment? Pay off Debts?
Replies: 22
Views: 1569

Re: Young Professional...No Safe Investment? Pay off Debts?

If you wouldn't take out loans to invest in stocks and real estate, then pay off the loans first. Very logical point. But I bet we'd agree that borrowing money to invest in the stock market is a spectacularly bad idea! Thanks. I learned that one after reading Why Smart People Make Big Money Mistake...
by alec
Thu Nov 15, 2018 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: Young Professional...No Safe Investment? Pay off Debts?
Replies: 22
Views: 1569

Re: Young Professional...No Safe Investment? Pay off Debts?

So what do I do? How do I grow my wealth? Is the smart thing to do, just to pay off my house and practice? If I budget correctly, I could at earliest pay off the practice loan in 5 years, and the house in about 5 years. Right now I have about 150k in personal savings sitting in tdameritrade, and I ...
by alec
Wed Nov 14, 2018 9:19 pm
Forum: Investing - Help with Personal Investments
Topic: Does my investment selection make sense?
Replies: 4
Views: 458

Re: Does my investment selection make sense?

Dear Bogleheads, I'm 33 and DW is 31. We both work for same employers. We do not have great fund options, have many high ER active funds. In 403b and ORP account, some of the good options include Vanguard 500 index admiral(VFIAX), Vanguard small cap (VSCIX), Vanguard midcap(VMCIX) index, Vanguard t...
by alec
Tue Nov 06, 2018 8:05 pm
Forum: Investing - Theory, News & General
Topic: Actively Managed Bond Funds
Replies: 24
Views: 1615

Re: Actively Managed Bond Funds

Here are Bogle's speeches. The one on bonds I was thinking of is:

Bond Funds: Treadmill to Oblivion?
by alec
Tue Nov 06, 2018 8:01 pm
Forum: Investing - Theory, News & General
Topic: Investments with zero yield
Replies: 41
Views: 3490

Re: Investments with zero yield

In another post, somebody was hollering about wanting high dividend yield, because they think that's the way to supercharged investment returns. (Or something like that.) My question is exactly 180 degrees from that. Does anybody know of some kind of mutual fund/ ETF / UIT / Grantor Trust that pays...
by alec
Tue Nov 06, 2018 7:38 pm
Forum: Investing - Theory, News & General
Topic: Actively Managed Bond Funds
Replies: 24
Views: 1615

Re: Actively Managed Bond Funds

Fidelity has been promoting the active management of Bond Funds/ETF's. Their position is that that investors can find alpha by taking advantage of the expert analysis of active managers. It is interesting to me that by doing this Fidelity is essentially admitting that active management has NOT retu...
by alec
Sun Nov 04, 2018 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Checkup: Post-Wedding Pre-Children
Replies: 7
Views: 1178

Re: Financial Checkup: Post-Wedding Pre-Children

Everything looks pretty good. Probably why not many response.

Only advice I’d have is to have one kid to see if u want 4. :D

Also, if you’re in Philly, my parents have a 4 bedroom house in the suburbs they’ll be looking to sell in the next few years.
by alec
Wed Oct 24, 2018 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: Market buy or limit buy Vanguard ETF?
Replies: 11
Views: 1084

Re: Market buy or limit buy Vanguard ETF?

Hi there, I have some cash and I want to buy some VTI and VEA. Should I market buy or it's nearly never a good choice to market buy? Also if I limit buy, what limit price should I set? Should I just use the price displayed on the brokerage software (robinhood) as the limit buy price? Which one will...
by alec
Sun Oct 21, 2018 7:28 pm
Forum: Investing - Theory, News & General
Topic: How long will TIAA Trad (3.5%) stay ahead of the fixed income pack?
Replies: 18
Views: 1808

Re: How long will TIAA Trad (3.5%) stay ahead of the fixed income pack?

Do you understand how the vintage system of TIAA works? Vaguely. I know (now that you remind me) that the interest you get (on each contribution) depends on the time it went in, and the time now. I'd forgotten about that, so good point. My contributions are new. There is that 120 day rule. Do you u...
by alec
Sun Oct 21, 2018 6:30 pm
Forum: Investing - Theory, News & General
Topic: How long will TIAA Trad (3.5%) stay ahead of the fixed income pack?
Replies: 18
Views: 1808

Re: How long will TIAA Trad (3.5%) stay ahead of the fixed income pack?

Even without a future bond yields crystal ball, we might still know how TIAA Trad yields might behave as other rates rise. For example, it seems that as rates rise, stable value funds (similar to TIAA Trad) rates barely budge, due to their structure (they hold back some of the increased interest to...
by alec
Sat Oct 20, 2018 9:14 am
Forum: Investing - Theory, News & General
Topic: POV on Vanguard's Global Wellington Fund Admiral Shares (VGWAX)
Replies: 3
Views: 803

Re: POV on Vanguard's Global Wellington Fund Admiral Shares (VGWAX)

I’d be concerned that the fund only holds 84 stocks.
by alec
Sat Oct 13, 2018 7:49 am
Forum: Investing - Help with Personal Investments
Topic: Home Depot Stock
Replies: 16
Views: 1785

Re: Home Depot Stock

Bogleheads, I have a friend who invested in Home Depot stock via its employee stock purchase plan back in 1996. These are common shares; he wasn't high up the food chain. As you can imagine, the modest amount he invested has grown quite a bit since then. I'm helping him simplify and improve his inv...
by alec
Thu Oct 11, 2018 7:36 pm
Forum: Personal Consumer Issues
Topic: Anyone here major in Economics in college?
Replies: 68
Views: 3992

Re: Anyone here major in Economics in college?

Econ major here. In high school, I was pretty good at math and physics, then did engineering for the first year in college. Didn't like that at all, so switched from the Engineering School to the College of Arts and Crafts. :D Took an intro Econ class my second year and decided I hated Econ less tha...
by alec
Tue Oct 09, 2018 5:55 am
Forum: Investing - Theory, News & General
Topic: Help me understand pro/con of market weighting
Replies: 11
Views: 874

Re: Help me understand pro/con of market weighting

According to MPT, the proper way for a risk-tolerant investor to increase returns beyond 100% risky assets is not to overweight a particular “risky” segment of the market (as that would be violating the CAPM); rather, it is to borrow money to buy more of the full market portfolio. But, on the subje...
by alec
Fri Sep 28, 2018 8:04 am
Forum: Investing - Help with Personal Investments
Topic: Lobbying for a bond index fund in employer 401K, approach?
Replies: 9
Views: 869

Re: Lobbying for a bond index fund in employer 401K, approach?

Note that ACITX is more expensive than VIPSX with no outperformance, so this should be any easy argument to switch to a cheaper fund.

Also, you should find out when the Double Line fund was added to your 401k. I’d be willing to bet money it wasn’t until after most of the outperformance.
by alec
Sat Sep 22, 2018 10:33 pm
Forum: Personal Consumer Issues
Topic: Did you really have something to retire to?
Replies: 133
Views: 11792

Re: Did you really have something to retire to?

My parents are traveling the world, spending my inheritance.
by alec
Sat Sep 22, 2018 10:27 pm
Forum: Personal Consumer Issues
Topic: How to get rid of rabbits
Replies: 66
Views: 3797

Re: How to get rid of rabbits

KyleAAA wrote:
Sat Sep 22, 2018 9:08 pm
Get a bald eagle or two to nest in your yard.
Nah, just take up falconry.
by alec
Fri Sep 21, 2018 7:09 am
Forum: Personal Consumer Issues
Topic: Thinking of selling my car
Replies: 36
Views: 1697

Re: Thinking of selling my car

I imagine you’ll be able to sell that Subaru pretty quickly in the pacific NW.
by alec
Mon Sep 17, 2018 11:40 am
Forum: Personal Consumer Issues
Topic: a low grade in a 9th-grade test
Replies: 44
Views: 3518

Re: a low grade in a 9th-grade test

My son, now a junior, did this in 9th grade and 10th grade. We talked to him and then talked to the teachers at the quarterly parent/teacher conferences, to which we brought our son. :twisted: He had to figure out how to study, even after rolling his eyes at all my suggestions, all of which he then ...
by alec
Fri Sep 14, 2018 7:19 pm
Forum: Investing - Help with Personal Investments
Topic: Is it LMP/RP, is it Buckets, is it rising equity AA, is it mental accounting, or is it just MLA? (Myopic loss aversion)?
Replies: 17
Views: 1432

Re: Is it LMP/RP, is it Buckets, is it rising equity AA, is it mental accounting, or is it just MLA? (Myopic loss aversi

I don't have anything substantial to add, but I just want to say thanks for this discussion. My mother turned her portfolio over to me this year upon retiring, and I'm struggling to sort out exactly how to manage her AA and withdrawals. It's one thing to debate theory, but quite another when forced...
by alec
Thu Sep 13, 2018 1:24 pm
Forum: Investing - Theory, News & General
Topic: Robinhood Is Making Millions Selling Out Their Millennial Customers To High-Frequency Traders
Replies: 20
Views: 5798

Re: Robinhood Is Making Millions Selling Out Their Millennial Customers To High-Frequency Traders

Personally, my own experience seems to be that I am getting more frequent price improvements at Vanguard and Schwab compared to at Merrill Edge. Unless you're doing a lot of trading, your experience is likely subject to small sample size bias. I was in the (un?)fortunate position of having to trade...
by alec
Tue Sep 11, 2018 6:02 pm
Forum: Investing - Theory, News & General
Topic: Barron's--Vanguard Is Losing Battles on Two Fronts in Fee Wars
Replies: 53
Views: 4789

Re: Barron's--Vanguard Is Losing Battles on Two Fronts in Fee Wars

Vanguard now has commission-free trading on 1,800 ETFs, so its not like nothing good is happening there. As a Vanguard mutual fund owner I'm not sure I like that. Who is paying for all this trading? Are enough people buying Vanguard ETFs that they make up the cost of the free trading for all 1,800 ...
by alec
Tue Sep 11, 2018 5:52 pm
Forum: Investing - Theory, News & General
Topic: Barron's--Vanguard Is Losing Battles on Two Fronts in Fee Wars
Replies: 53
Views: 4789

Re: Barron's--Vanguard Is Losing Battles on Two Fronts in Fee Wars

As has been noted many times on this forum before, Vanguard is also losing the fee battle in the solo 401k space, since they've long prevented individuals from holding admiral or ETFs there. This has caused lots of solo 401ks to go to Fidelity instead. I'm likely to move my wife's solo 401k to Fide...
by alec
Sun Sep 09, 2018 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Low pay and low stress jobs with health benefit
Replies: 41
Views: 5702

Re: Low pay and low stress jobs with health benefit

My wife worked as a library assistant for a year in my daughter's middle school recently. She didn't deal with any parents, but the teachers and principal were easy to work with. The kids were middle schoolers, so anyone that has those knows what they're like, but she's been dealing with my two kids...
by alec
Mon Sep 03, 2018 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: Help with next step on investment choices.
Replies: 4
Views: 315

Re: Help with next step on investment choices.

Isn’t FSITX the fidelity equivalent of VBMFX ? If so, use that.
by alec
Wed Aug 29, 2018 5:00 am
Forum: Personal Finance (Not Investing)
Topic: Healthcare benefit allowance/stipend
Replies: 2
Views: 341

Re: Healthcare benefit allowance/stipend

Can’t hurt to ask I guess.
by alec
Mon Aug 27, 2018 9:06 pm
Forum: Investing - Theory, News & General
Topic: Pension plan details about annuity value
Replies: 11
Views: 735

Re: Pension plan details about annuity value

There are sometimes different HR teams that deal with specific things, like one specifically for retirement benefits. If there’s not one at the former company, ask to speak with the HR people that coordinate with the actuaries that prepare the benefit estimates. Many companies outsource the actuaria...
by alec
Thu Aug 23, 2018 11:15 am
Forum: Investing - Help with Personal Investments
Topic: Municipal Bond Ladder / Tax Efficient Allocation of New Funds
Replies: 23
Views: 1931

Re: Municipal Bond Ladder / Tax Efficient Allocation of New Funds

The OP is in Virginia. Is your muni ladder just VA munis? If it isn’t, then comparing to a national muni fund (like the Vanguard fund that several posters mention above) isn’t appropriate. You’ll have tax leakage of +/- 15 basis points. Just something to consider. Yes, I'm located in Virginia so th...
by alec
Thu Aug 23, 2018 6:30 am
Forum: Investing - Theory, News & General
Topic: Stock options inducing employee sabotage
Replies: 14
Views: 1692

Re: Stock options inducing employee sabotage

The regulators would simply take the people that profited from the decline of the stock, give those names to the company, and quickly find out who did what you suggested.
by alec
Wed Jul 25, 2018 8:15 pm
Forum: Investing - Theory, News & General
Topic: Difference between S&P 500 and. NASDAQ
Replies: 8
Views: 781

Re: Difference between S&P 500 and. NASDAQ

DesertDiva wrote:
Wed Jul 25, 2018 1:56 pm
NASDAQ is a stock exchange - it is smaller than the New York Stock Exchange.
Eh, not so sure about that. Nasdaq looks to have higher share a dollar volume than NYSE.

https://markets.cboe.com/us/equities/market_share/
by alec
Wed Jul 11, 2018 7:51 pm
Forum: Personal Consumer Issues
Topic: Anyone take naps at work?
Replies: 93
Views: 6107

Re: Anyone take naps at work?

We have several wellness rooms with recliners in the basement of our building. I used t take naps during lunch after my kids were born.
by alec
Mon Jun 11, 2018 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: Cash Balance Plan- Should I participate
Replies: 8
Views: 794

Re: Cash Balance Plan- Should I participate

oldcomputerguy wrote:
Mon Jun 11, 2018 11:28 am
Forgive my ignorance, but what is a “cash balance plan”? I’m not familiar with the term.
Cash Balance Pension Plans
by alec
Wed May 16, 2018 6:51 pm
Forum: Investing - Theory, News & General
Topic: NAME for the MPT or CAPM-based diagram with the hyperbola and tangent line?
Replies: 114
Views: 7892

Re: NAME for the MPT or CAPM-based diagram with the hyperbola and tangent line?

Here's Zvi Bodie earlier this month talking about retirement planning. While he doesn't explicitly mention the separation property, it is definitely the framework he is using in planning for retirement. For the surrogate for the risk-free asset he discusses duration matching with ST & LT TIPS funds...
by alec
Thu May 03, 2018 7:37 am
Forum: Investing - Theory, News & General
Topic: NAME for the MPT or CAPM-based diagram with the hyperbola and tangent line?
Replies: 114
Views: 7892

Re: NAME for the MPT or CAPM-based diagram with the hyperbola and tangent line?

Question for BobK. Does the risky asset have to be equity? No, but typically the mix of risky assets is mainly equity. Stated differently, could my portfolio choice be risky = total bond, and risk free = TBills? It could be, but that would be unusual. That's true both on the risky asset side and th...
by alec
Fri Apr 27, 2018 5:52 pm
Forum: Investing - Theory, News & General
Topic: Thoughts on SPACs? [Special Purpose Acquisition Company]
Replies: 5
Views: 652

Re: Thoughts on SPACs?

csm14 wrote:
Wed Apr 25, 2018 9:49 pm
Any thoughts on this as an investment?

http://www.socialcapitalhedosophiaholdi ... index.html
Nope. But u can read the latest 10-k.