Search found 17 matches

by Beaker
Thu Mar 14, 2019 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Is my *entire* life financed when I have a mortgage?
Replies: 84
Views: 6375

Re: Is my *entire* life financed when I have a mortgage?

No. There is nothing special about the percentage of housing expenses that goes to debt. Hypothetically, say a retired person has $10 million dollars in a three fund portfolio, spends $100,000 / year, and has a $300,000 mortgage at 3.5%. Would you say that this person's "entire life is financed"? Ob...
by Beaker
Fri Feb 22, 2019 10:08 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Total World Stock (VTWAX) and All-World ex-US Small Cap Admiral Shares (VFSAX) now available (February 7)
Replies: 181
Views: 23655

Re: Vanguard Total World Stock (VTWAX) and All-World ex-US Small Cap Admiral Shares (VFSAX) now available (February 7)

VTWAX and VFSAX appear to now be loading in Google Finance, and the GOOGLEFINANCE function in Google Sheets.

Returning the expense ratio seems to be broken.
by Beaker
Thu Dec 03, 2015 10:14 am
Forum: Personal Consumer Issues
Topic: What is the "Honda Accord" of bicycles?
Replies: 78
Views: 9271

Re: What is the "Honda Accord" of bicycles?

Sounds like your use case is a hybrid or comfort bike, although really any bike (comfort/hybrid/mountain/road) could keep pace with a toddler. So think about how you might want to use the bike on your own, using that order listed as a rough baseline of toddler compatibility. Caveat, I personally don...
by Beaker
Fri Jan 23, 2015 5:32 pm
Forum: Investing - Theory, News & General
Topic: Ultimate Buy and Hold - 8 slices vs 4
Replies: 758
Views: 379218

Re: Ultimate Buy and Hold - 8 slices vs 4

Much thanks to TrevH and everyone else for their work on this post! I constructed my portfolio across my 401k, Vanguard Roth IRA/Brokerage, and wife's 403b with a preference for the lowest possible cost indexes as possible, as follows: Stocks: 22.5% TSM: Vanguard Institutional Total Stock Market VIT...
by Beaker
Mon Oct 10, 2011 5:43 pm
Forum: Personal Investments
Topic: Emerging Mkts - VWO vs FPEMX
Replies: 6
Views: 1905

You can always have both. Use the Spartan fund, but once a year sell and buy VWO if you are so inclined. I'm in a similar situation, and unfortunately because of the $10,000 minimum for FPEMX I can't do this. I just rebalance yearly into VWO, but it would be nice to put a little each paycheck into ...
by Beaker
Mon Sep 26, 2011 6:08 pm
Forum: Personal Investments
Topic: Transferring Over to the Permament Portfolio
Replies: 85
Views: 7494

I think the permanent portfolio is at least as valid as any other. There is a Permanent Portfolio mutual fund (PRPFX). You could just buy it and be done with it. I don't have a strong opinion on the Permanent Portfolio, but I wouldn't buy PRPFX with it's 0.77% ER. Seems like the underlying assets c...
by Beaker
Mon Sep 26, 2011 5:08 pm
Forum: Personal Investments
Topic: Transferring Over to the Permament Portfolio
Replies: 85
Views: 7494

I think the permanent portfolio is at least as valid as any other. There is a Permanent Portfolio mutual fund (PRPFX). You could just buy it and be done with it. I don't have a strong opinion on the Permanent Portfolio, but I wouldn't buy PRPFX with it's 0.77% ER. Seems like the underlying assets c...
by Beaker
Sun Sep 18, 2011 5:09 pm
Forum: Personal Consumer Issues
Topic: 401k rules incentivize employer-switching.
Replies: 21
Views: 3458

Another, more universal reason why 401k rules incentivize quitting: Leaving your employer is typically the only way to roll over your money to an IRA and have control over your own investments, rather than being forced to use your employer's choices, terrible or not.
by Beaker
Tue Sep 06, 2011 4:34 pm
Forum: Personal Investments
Topic: 401k scrambled - need to determine all-new lazy portfolio
Replies: 7
Views: 1979

I tried to do a M* x-ray analysis of your proposed breakdown, but I realized since they are "non-lending" (no ticker symbols) I can't do that. Any other ideas on how to analyze to make sure the funds match my overall AA%? You can use index funds / ETFs that track the same index for a very similar M...
by Beaker
Mon Sep 05, 2011 1:40 pm
Forum: Personal Investments
Topic: vG being removed from 401k. fido equivalent to visvx
Replies: 5
Views: 882

If you have BrokerageLink, why not re-balance yearly, and get the exact same fund (VBR) with fees of approximately $8/year?

You can buy FCPVX if you MUST put money into a small cap value fund each paycheck without fees, but it's expensive (1.18% ER) so I wouldn't.
by Beaker
Fri Aug 26, 2011 1:38 pm
Forum: Personal Investments
Topic: 401k changing, adding 4 CITs: Can these funds be trusted?
Replies: 6
Views: 4192

Thanks Dale_G. I feel lucky, I've been suffering with a less than perfect 401k plan for 6 years, the changes they are making seem great.

texas_archer: Yes, I do work at a large company.
by Beaker
Fri Aug 26, 2011 9:25 am
Forum: Personal Investments
Topic: 401k changing, adding 4 CITs: Can these funds be trusted?
Replies: 6
Views: 4192

401k changing, adding 4 CITs: Can these funds be trusted?

Bogleheads, please help! My 401k is changing as of Sept 1st. In addition to adding Fidelity Brokeragelink (access to ETFs in my 401k, woohoo!), most of my current funds are being eliminated or replaced. Some of the new funds are Collective Investment Trusts (CIT), and have expense ratios that are al...
by Beaker
Sat Jun 18, 2011 9:57 pm
Forum: Personal Investments
Topic: Company adds Roth 401k mid yr. How to handle 4% emplr match?
Replies: 14
Views: 3578

SuperDaveJ,

My company is doing the exactly the same, so I'm guessing we are coworkers. Did you notice a new option for Fidelity BrokerageLink? That could be an interesting way to get access to ETFs, etc. However, it all depends on the fee schedule...
by Beaker
Sat Mar 26, 2011 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: At What Point Would You Walk Away From Your House?
Replies: 184
Views: 19579

I would walk away when it is in my financial and personal interest to do so. I respect the honorable position that many of you have taken, that a contract is your word. Nevertheless, the banks have no moral qualms with doing everything legally (most of the time) possible to succeed. I wouldn't hold ...
by Beaker
Sat Jan 29, 2011 3:49 pm
Forum: Personal Investments
Topic: Fidelity Freedom K funds in 401k: Expense Ratio Scam?
Replies: 2
Views: 1759

Fidelity Freedom K funds in 401k: Expense Ratio Scam?

I was perusing my frustrating 401k plan and I noticed that all the Fidelity Freedom K funds had "Expense Ratio after Reductions" of 0.05%. From their site: Expense Ratio after Reductions is an annualized figure which reflects amounts reimbursed by Fidelity or reductions from brokerage service arrang...
by Beaker
Mon Jun 02, 2008 8:21 pm
Forum: Personal Investments
Topic: A young new investor would appreciate your help
Replies: 4
Views: 1260

PiperWarrior- Thank you for your very detailed response! I think you are right about the Wellington fund. I love lowering my taxes! You suggest that I should have 54.1% of my portfolio in a S&P 500 fund (Large Cap Blend). Is that a large amount to have in a single sector? For example, I am looking a...
by Beaker
Sun Jun 01, 2008 10:55 pm
Forum: Personal Investments
Topic: A young new investor would appreciate your help
Replies: 4
Views: 1260

A young new investor would appreciate your help

First, let me thank everyone in advance for any comments they have. I really appreciate it. Emergency funds - ~ 6 months expenses in savings / high yield checking (FDIC insured). Debt - 0. Technically, I have ~$5000 student loan in my name, but my parents have promised to and are paying it. If for s...