Search found 11916 matches

by pkcrafter
Sat Oct 21, 2017 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Better than 4% Rule
Replies: 19
Views: 1596

Re: Better than 4% Rule

Knighted, I guess I'll have to admit Sharpe's study bothers me a bit. He seems to be penalizing a strategy that produces more than enough income--excess he calls waste and inefficient. I don't agree. Seems like excess at times can cover shortfalls at other times. He also shows that 0 volatility won'...
by pkcrafter
Sat Oct 21, 2017 10:51 am
Forum: Investing - Theory, News & General
Topic: Why do I need bonds? (I'm 30)
Replies: 32
Views: 1811

Re: Why do I need bonds? (I'm 30)

TheHouse:
I have not Invested through a bear market, right now I am 80/20 AA from recommendations from this site. Looking for more wisdom as to why I need bonds with 20+years to invest.
Ask again after you experience a panic crash of 30-50%.

Paul
by pkcrafter
Sat Oct 21, 2017 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Better than 4% Rule
Replies: 19
Views: 1596

Re: Better than 4% Rule

Knighted, have you looked at any other withdrawal studies? Dottie provided a link to VPR, and here's a link to some Wiki information.

https://www.bogleheads.org/wiki/Safe_withdrawal_rates

Paul
by pkcrafter
Fri Oct 20, 2017 6:19 pm
Forum: Investing - Help with Personal Investments
Topic: Out of BND and into VTI or VEU?
Replies: 21
Views: 1458

Re: Out of BND and into VTI or VEU?

blue2016, your OP (original post) shows the following, comments, questons below: I have the following distribution in my 401K 25% BND 44% VTI 31% VEU You stated these allocations for your 401k, but that does not tell us your asset allocation for all assets/all accounts. We know there is substantial ...
by pkcrafter
Fri Oct 20, 2017 11:58 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Moderate Growth Fund in taxable?
Replies: 6
Views: 515

Re: Vanguard Moderate Growth Fund in taxable?

TyleS, I beleive dbr is assuming you mean Life Strategy Mod. Growth, and he's probably right, but considering there are a lot of Vanguard funds it would avoid any misunderstanding if you used the full name of the fund. This may sound nitpicky, but if something is incorrect, the replies won't be usef...
by pkcrafter
Fri Oct 20, 2017 11:03 am
Forum: Investing - Help with Personal Investments
Topic: One Total Market Index Fund vs Three Different Cap Index Fund
Replies: 14
Views: 1154

Re: One Total Market Index Fund vs Three Different Cap Index Fund

Amy, I don't see anything wrong with your portfolio, but what you are really doing is "tilting", not approximating total market. Your investments in total stock market are 30% large, 20% mid and 20% small, total equaling 70%. If we look at these holdings as 100% we get (rounded) 43% large 28.5% mid ...
by pkcrafter
Fri Oct 20, 2017 12:02 am
Forum: Investing - Help with Personal Investments
Topic: Help! Portfolio checkup needed!
Replies: 3
Views: 351

Re: Help! Portfolio checkup needed!

Welcome,

Can you please add fund names and use percentages as part of the entire portfolio. It looks like you have read the posting suggestions, but I'll provide the link just in case.

viewtopic.php?f=1&t=6212

thanks,

Paul
by pkcrafter
Thu Oct 19, 2017 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: Need Some Advice [changing advisors]
Replies: 20
Views: 1266

Re: Need Some Advice [changing advisors]

Yodi, the new fiduciary rules are causing EJ problems and they want to push customers into Guided Solutions (GS) where they can charge 1.3% in management fees in addition to the fund expenses. I just got the feeling I shouldn't sign which probably isn't the best way to make decisions. I understand t...
by pkcrafter
Thu Oct 19, 2017 3:55 pm
Forum: Investing - Help with Personal Investments
Topic: I need help with our Fidelity accounts
Replies: 23
Views: 1586

Re: I need help with our Fidelity accounts

Thanks so much for all of the suggestions. I will continue to look at the suggested funds in MorningStar. At this point in my life I need to get the money into two or three top funds and leave it there for a while. I am leaning toward moving my money to Vanguard and keeping George's at Fidelity. I ...
by pkcrafter
Thu Oct 19, 2017 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: Help me convince my parents to leave their advisor
Replies: 11
Views: 1259

Re: Help me convince my parents to leave their advisor

I think your idea has been covered quite well, so the only other thing you might do is demonstrate the compounding of costs and how much parents will lose. Costs are advisor fee, plus fund expense ratios, plus any other fees EJ is charging for brokerage activity. This revelation might promote more i...
by pkcrafter
Thu Oct 19, 2017 10:08 am
Forum: Investing - Help with Personal Investments
Topic: I need help with our Fidelity accounts
Replies: 23
Views: 1586

Re: I need help with our Fidelity accounts

Ginny, do you know what asset allocation you want? I would suggest a min. of 25% stock and a max of about 40% stock. Fidelity has some Freedom Index funds (target date all-in-one funds) with expense ratios of 0.15%, and I would suggest Freedom Index 2005 (33% stock) or Freedom Index 2010 (~42% stock...
by pkcrafter
Wed Oct 18, 2017 10:00 pm
Forum: Investing - Help with Personal Investments
Topic: Small article : Investment priorities change
Replies: 6
Views: 753

Re: Small article : Investment priorities change

Questionguy, is this the article?

https://www.pressreader.com/usa/usa-tod ... 0183442002

Uh-oh, another dividends are great article.

Paul
by pkcrafter
Wed Oct 18, 2017 9:55 pm
Forum: Investing - Help with Personal Investments
Topic: I need help with our Fidelity accounts
Replies: 23
Views: 1586

Re: I need help with our Fidelity accounts

onthecusp wrote:
I think all TOD are taxable accounts.
I think you are correct, but I wanted to check and confirm.

Paul
by pkcrafter
Wed Oct 18, 2017 8:34 pm
Forum: Investing - Help with Personal Investments
Topic: I need help with our Fidelity accounts
Replies: 23
Views: 1586

Re: I need help with our Fidelity accounts

Welcome Ahdah, You listed "my portfolio," is that a taxable account? He has a TOD with a value of $53,117.84 his portfolio: Cash $17,415.54 Fidelity Low Price Stock $10,628.12 Fidelity New Millennium $25,074.18 Is this a taxable account? How about joint TOD? I also have $84,000 in T.R. Price. taxabl...
by pkcrafter
Wed Oct 18, 2017 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: If someone held a gun to your head, and force u to gamble whether the S&P 500 will rise or fall tomorrow, what do u say?
Replies: 45
Views: 2160

Re: If someone held a gun to your head, and force u to gamble whether the S&P 500 will rise or fall tomorrow, what do u

Thanks guys for not ripping me too hard. Yes I am trying to decide whether to lump sum or DCA a decent amount of $$ before 4 pm EST today. I realize that this is a completely ridiculous question. Go easy! Well, too late now. What did you do? This is my suggestion: If it's new money, then DCA. If it'...
by pkcrafter
Wed Oct 18, 2017 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: Making a Roth IRA for my Dad
Replies: 31
Views: 1300

Re: Making a Roth IRA for my Dad

CrownVic, where did your father ever get those two funds? FISBX has a back end load, an ongoing 1% commission (12b-1) and an ER if 2.14! FISSX has a front end load and an ER of 1.24%. Neither fund is tax efficient. They need to be dumped. Vanguard does carry the funds, so an in kind transfer is poss...
by pkcrafter
Wed Oct 18, 2017 2:50 pm
Forum: Investing - Theory, News & General
Topic: Help me Understand: Guide to Investing Book Chart
Replies: 6
Views: 654

Re: Help me Understand: Guide to Investing Book Chart

Basically, the safe withdrawal rate for 30 years in retirement starts with 4% of total assets. So, if you need $1000 per year, you would need to have saved assets of approx. $25,000. In you need $40,000/year income, you would need 1 million in today's dollars. Paul Thanks for the reply, just to cla...
by pkcrafter
Wed Oct 18, 2017 11:43 am
Forum: Investing - Theory, News & General
Topic: Help me Understand: Guide to Investing Book Chart
Replies: 6
Views: 654

Re: Help me Understand: Guide to Investing Book Chart

Basically, the safe withdrawal rate for 30 years in retirement starts with 4% of total assets. So, if you need $1000 per year, you would need to have saved assets of approx. $25,000. In you need $40,000/year income, you would need 1 million in today's dollars.

Paul
by pkcrafter
Wed Oct 18, 2017 10:19 am
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 200
Views: 14691

Re: Dividends vs. Capital Gains for Spending Needs?

jack, this is the one single point that explains your stance on dividends: 4). Once my dividends are greater than my expenses I' am essentially free. It gives me greater options. I' am not always checking my account values I follow the trend line of the dividend payments. I' am much calmer & less st...
by pkcrafter
Tue Oct 17, 2017 8:42 pm
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 200
Views: 14691

Re: Dividends vs. Capital Gains for Spending Needs?

I just put a lot of money into the TSM Fund so I could get exposure to the whole market. And to reduce (dividend taxes) in the future. The TSM fund will probably work out better for me over the long haul. I' am trying to get a super efficient portfolio. However, I see both sides of the coin... :thu...
by pkcrafter
Tue Oct 17, 2017 1:15 pm
Forum: Investing - Theory, News & General
Topic: Vanguard expects "decent sized correction" soon, sometime, maybe later
Replies: 68
Views: 6714

Re: Vanguard expects "decent sized correction" soon

Yes, there will be an adjustment, possibly a mild "correction," however, if there is a black swan catalyst like 2008, it will be a very big drop.

Paul
by pkcrafter
Tue Oct 17, 2017 12:56 pm
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 200
Views: 14691

Re: Dividends vs. Capital Gains for Spending Needs?

I just put a lot of money into the TSM Fund so I could get exposure to the whole market. And to reduce (dividend taxes) in the future. The TSM fund will probably work out better for me over the long haul. I' am trying to get a super efficient portfolio. However, I see both sides of the coin... :thu...
by pkcrafter
Tue Oct 17, 2017 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: Critique My Portfolio
Replies: 5
Views: 515

Re: Critique My Portfolio

You did pretty good. I would not recommend long term bonds though, and no need for gov bonds in a tax-deferred account. Gov bonds have high safety ratings, but returns will be lower. Another option you might consider now is a target all-in-one fund until you build up assets.

Paul
by pkcrafter
Tue Oct 17, 2017 11:00 am
Forum: Investing - Help with Personal Investments
Topic: seeking advice on asset allocation, or is Vanguard crazy
Replies: 26
Views: 2554

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

There is no consensus on how much equity an investor should hold. I would agree with Dandy that Vanguard's recommendations are too high, but many here will disagree with that opinion. I would also say that 72% equity at age 48 is still within reason. Am I depriving myself of higher returns by being ...
by pkcrafter
Tue Oct 17, 2017 10:45 am
Forum: Investing - Theory, News & General
Topic: Funny book selection
Replies: 3
Views: 537

Re: Funny book selection

"Day Trading for Dummies"

Aptly named.

Paul
by pkcrafter
Tue Oct 17, 2017 10:16 am
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 200
Views: 14691

Re: Dividends vs. Capital Gains for Spending Needs?

The dividend puzzle, as it is known, is strictly driven by a person's make-up and behavior, and this is why the topic turns into long discussions. Here's a short explanation from Meir Statman, finance professor. If you Google Dividend Puzzle, you will find more information. See top of pg 3. http://w...
by pkcrafter
Mon Oct 16, 2017 9:09 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Giving Less in Dividends than Competitors?
Replies: 13
Views: 2043

Re: Vanguard Giving Less in Dividends than Competitors?

metsfan, I think you would be better off not paying 0.5% to the advisor. You can list your available funds/ETFs here and we will help you choose the best options, and you should be able to do automatic contributions with out the advisor. His answer was that while Vanguard claims to have the lowest E...
by pkcrafter
Mon Oct 16, 2017 7:13 pm
Forum: Investing - Help with Personal Investments
Topic: Finally got wife to invest - Roth IRA allocation?
Replies: 3
Views: 320

Re: Finally got wife to invest - Roth IRA allocation?

Should she just put it in an appropriate Vanguard Target Date Fund (2045)? I'm having trouble convincing her to contribute the rest of her money in a taxable account (yet). I don't think so, Ryan. Putting a new investor who knows nothing into 90% stocks might be a good way to turn her off from now ...
by pkcrafter
Mon Oct 16, 2017 5:04 pm
Forum: Investing - Theory, News & General
Topic: Roth as good as you think?
Replies: 29
Views: 3443

Roth as good as you think?

I'm not saying there is something wrong with a Roth, just trying to point out the tax issue. 15% tax bracket in both cases. TIRA Begin pretax 100, invest 100 Maturing at 8% for 30 years: 100 * (1.08 ^ 30) = 1006.27 Amount taxed at 15%: 1006.27 * 0.85 = 855.33 -------------------------------------- R...
by pkcrafter
Mon Oct 16, 2017 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: My EJ portfolio vs my Vanguard, side by side
Replies: 27
Views: 3127

Re: My EJ portfolio vs my Vanguard, side by side

Did you calculate the advisor fee correctly? The double blow of investment fees The impact of fees is twofold: An investor pays an ever-increasing amount in fees as account balances grow, because the fees are based on a percentage of assets. And fees also strike a blow to the portfolio’s returns. Th...
by pkcrafter
Mon Oct 16, 2017 11:17 am
Forum: Investing - Help with Personal Investments
Topic: First time poster:NEED HELP! We are total newbies and late to the game*updated
Replies: 31
Views: 2301

Re: First time poster:NEED HELP! We are total newbies and late to the game*updated

sprintingtoretirment We are hoping to be more aggressive than the past. So, you have not been at 70% equity for long. I've been trying to determine what AA I would suggest for you, and here are the considerations. --Not used to a high equity allocation --Are you trying to build portfolio for you or ...
by pkcrafter
Mon Oct 16, 2017 9:31 am
Forum: Investing - Help with Personal Investments
Topic: Employer Listens To Brokerage Calls?
Replies: 13
Views: 1192

Re: Employer Listens To Brokerage Calls?

I agree with dbr, but... Called Fidelity after work and asked if my phone calls were confidential. After some initial stammering, the Fidelity Rep stated that they are confidential and they don’t share them with anyone, but... they do record all calls and because they perform a record keeping functi...
by pkcrafter
Mon Oct 16, 2017 9:12 am
Forum: Investing - Help with Personal Investments
Topic: Dividends on FSTVX
Replies: 5
Views: 1165

Re: Dividends on FSTVX

starguru wrote:
Tue Aug 16, 2016 5:29 pm
Hmm Im not seeing an SEC Yield anywhere on M* for that fund.
You have to go to M*, then portfolio, then click on holdings.

http://portfolios.morningstar.com/fund/ ... ture=en-US

Why are you interested in yield for a total market index?


Paul
by pkcrafter
Sun Oct 15, 2017 7:59 pm
Forum: Investing - Help with Personal Investments
Topic: The theory seems irrelevant. How does one execute?
Replies: 23
Views: 1663

Re: The theory seems irrelevant. How does one execute?

Sofar, don't forget volatility is normal and if you don't sell there is no loss. When volatility does go down, you don't lose your shares, only the value is temporarily lower. By definition, volatility is the down and up movement of asset prices. At 60/40 a very bad crash might down your portfolio b...
by pkcrafter
Sun Oct 15, 2017 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: Help on simplifying my portfolio
Replies: 24
Views: 1453

Re: Help on simplifying my portfolio

29er, I think I'm seeing some behavioral errors in your posts, and that can be a problem. It may be one reason why your portfolio is out of control, and definitely why you want to continue to hold company stock. I could roll my old ones to Fidelity. But I like the stock fund from my previous employe...
by pkcrafter
Sun Oct 15, 2017 10:13 am
Forum: Investing - Help with Personal Investments
Topic: Help me optimize my portfolio
Replies: 5
Views: 366

Re: Help me optimize my portfolio

rolly, in addition to fund names, what kind of account are the Fidelity funds in? Do you have a company plan?

What is your overall asset allocation, including cash marked as retirement money?

Fundrise info

https://www.fool.com/investing/2016/06/ ... seems.aspx

Paul
by pkcrafter
Sat Oct 14, 2017 7:03 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with current market (voo,vti)
Replies: 48
Views: 2008

Re: Need help with current market (voo,vti)

nkotbbh, do you have an investment plan and and an investment policy statement? If not, here's some information.

https://www.bogleheads.org/wiki/Boglehe ... art-up_kit

Paul
by pkcrafter
Sat Oct 14, 2017 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: First time investing - Invest now or wait?
Replies: 14
Views: 1043

Re: First time investing - Invest now or wait?

Hi, here is a snapshot of my financials - Emergency funds: $20,000 (think it should cover 3 months) Debt: $0 Tax Filing Status: Single Tax Rate: 28% federal + NY state & city taxes State of Residence: New York Age: 31 Desired Asset Allocation: 70/30 Or 75/25 (stocks/bonds) Are you sure about a 70/3...
by pkcrafter
Fri Oct 13, 2017 11:52 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with current market (voo,vti)
Replies: 48
Views: 2008

Re: Need help with current market (voo,vti)

nkotbbh: I want to invest in ETF's but those two etf's are currently really high and are about as high as they have been so I was thinking to currently invest in bonds I actually transferred the Edward Jones account over to Vanguard and sold the stocks that Edward Jones was buying me every month "L...
by pkcrafter
Fri Oct 13, 2017 11:29 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with current market (voo,vti)
Replies: 48
Views: 2008

Re: Need help with current market (voo,vti)

nkotbbh: I want to invest in ETF's but those two etf's are currently really high and are about as high as they have been so I was thinking to currently invest in bonds I actually transferred the Edward Jones account over to Vanguard and sold the stocks that Edward Jones was buying me every month "LC...
by pkcrafter
Fri Oct 13, 2017 11:06 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer Roth IRA from Fidelity to VG
Replies: 5
Views: 484

Re: Transfer Roth IRA from Fidelity to VG

Voyager, you listed 3 funds, FBIOX, FSCKX, FTIPX) = Select Biotech, Mid Cap Index, and Total International. These aren't your whole portfolio are they? What else do you hold. Can you list your entire portfolio with percentages and expense ratios for all your accounts? I agree with others, there real...
by pkcrafter
Fri Oct 13, 2017 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with current market (voo,vti)
Replies: 48
Views: 2008

Re: Need help with current market (voo,vti)

nkotbbh, why would you want to buy VTI and VOO? They are almost the same, so choose just one--VTI. As for what to do, if you had an allocation in stocks at EJ, then your move is a sideways move and you should continue with the same asset allocation (AA) you had before the transfer. If you are not co...
by pkcrafter
Fri Oct 13, 2017 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: Low cost 457 plans
Replies: 15
Views: 855

Re: Low cost 457 plans

This continues to be baffling. The gov. now requires most plans (401ks) to be qualifying plans subject to ERISA rules and the new fiduciary standards, but 403b and 457 state gov plans continue to be exempt from both, hence, the high costs. *Intended as a notation, but do not wish to get off topic. P...
by pkcrafter
Thu Oct 12, 2017 5:48 pm
Forum: Investing - Theory, News & General
Topic: 100% in bond to wait for market crash?
Replies: 122
Views: 11753

Re: 100% in bond to wait for market crash?

From a post above: Henry2 Hi Paul, we just put $550k in stock market last month with $420k in vanguard total market, $80k total international, $50k vanguard intermediate tax exempt bond. We do have about $600k in the bank which we are not sure what to do yet. Also going to have about $700k next spri...
by pkcrafter
Thu Oct 12, 2017 9:43 am
Forum: Investing - Theory, News & General
Topic: Rebalancing - Personal Philosophies
Replies: 43
Views: 3600

Re: Rebalancing - Personal Philosophies

I check twice a year--March and October, but generally rebalance in October when I take RMDs.

Paul
by pkcrafter
Thu Oct 12, 2017 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Books on setting up a 401k-solo and managing it
Replies: 14
Views: 730

Re: Books on setting up a 401k-solo and managing it

Here's some info from Vanguard https://investor.vanguard.com/what-we-offer/small-business/compare-plans?Link=facet IRS https://www.irs.gov/retirement-plans/plan-sponsor/small-business-retirement-plan-resources Fidelity https://www.fidelity.com/viewpoints/retirement-plan-small-business Alan Roth Revi...
by pkcrafter
Wed Oct 11, 2017 11:50 pm
Forum: Investing - Help with Personal Investments
Topic: 100% invested, all in, no cash- how do you do it?
Replies: 42
Views: 3526

Re: 100% invested, all in, no cash- how do you do it?

i've been reading threads re: cash holding and it varies all over the place. there are some here that hold no cash and are 100% invested all the time. how do you do it? i tried search terms "all invested" "100% invested" "all-in" "no cash" etc but couldn't find any posts detailing how to go no cash...
by pkcrafter
Wed Oct 11, 2017 10:42 pm
Forum: Investing - Theory, News & General
Topic: Financial Advisor news
Replies: 1
Views: 530

Re: Financial Advisor news

Thanks, that's a particularly bad story, but once again it proves that getting some honest financial education is mandatory for anyone even thinking about investing. Of course, the problem is knowing just what good financial information really is.

Paul
by pkcrafter
Wed Oct 11, 2017 11:22 am
Forum: Investing - Theory, News & General
Topic: 100% in bond to wait for market crash?
Replies: 122
Views: 11753

Re: 100% in bond to wait for market crash?

Henry, I guess I'm a bit confused by this: I dont to want to see my hard earned money to sink. We just started putting roughly $500k to taxable account last month that I am thinking to move it to intermediate tax exempt bond. If the money was appreciated from the stock, I would feel more comfortable...
by pkcrafter
Tue Oct 10, 2017 9:31 pm
Forum: Investing - Help with Personal Investments
Topic: How to move a portfolio out of a traditional advisor service?
Replies: 18
Views: 1039

Re: How to move a portfolio out of a traditional advisor service?

purplesaber, I suggest you stay on the forum, ask questions and learn. I think you may be able to self manage at least some of your assets while turning over some to an advisor. Ok, your portfolio is complicated, but at least list the accounts types with the amounts in each account, his/hers--taxabl...