Search found 13373 matches

by pkcrafter
Sat Jul 20, 2019 3:24 pm
Forum: Personal Investments
Topic: 21 Year Old with Roth Ira Looking for Investment Split Advice
Replies: 12
Views: 492

Re: 21 Year Old with Roth Ira Looking for Investment Split Advice

Hi, I'm just about to graduate college and have saved incessantly all of my money since I was 16 or so that didn't have to go to rent etc into a ROTH IRA at Vanguard and today have about $22k there. However, I've been way too nervous to invest it. Alert! My time horizon is 44 years minimum and I'm ...
by pkcrafter
Fri Jul 19, 2019 2:49 pm
Forum: Personal Investments
Topic: brokerage account from bank?
Replies: 6
Views: 370

Re: brokerage account from bank?

Hi Everyone, I'm new to investing and trying to manage my own accounts. I can open a brokerage account through my bank (PNC) and have access to lots of mutual funds, ETF's etc. including the ones like Vanguard Total STock that I'd be interested in , all for the price of $75 per year to maintain my ...
by pkcrafter
Fri Jul 19, 2019 9:39 am
Forum: Personal Consumer Issues
Topic: Looking for new laptop
Replies: 11
Views: 883

Re: Looking for new laptop

Thanks everyone, very helpful. Friend will now look at Lenovo and Acer.


Paul
by pkcrafter
Fri Jul 19, 2019 12:07 am
Forum: Personal Consumer Issues
Topic: Looking for new laptop
Replies: 11
Views: 883

Re: Looking for new laptop

Thanks for the ideas, I'll pass them on.

Paul
by pkcrafter
Thu Jul 18, 2019 7:52 pm
Forum: Personal Investments
Topic: thinking of moving American Funds 529 to Vanguard
Replies: 9
Views: 463

Re: thinking of moving American Funds 529 to Vanguard

Hi, new to the forum but not to Vanguard or John Bogle books - actually reading the Bogleheads Guide to Investing 2014 now which encouraged using this forum. That being said, back in Mar 2007 I invested 15k with American Funds into 529 accounts. I used an RIA, I wasn't aware of the 5.75 front load ...
by pkcrafter
Thu Jul 18, 2019 7:25 pm
Forum: Personal Consumer Issues
Topic: Looking for new laptop
Replies: 11
Views: 883

Looking for new laptop

A friend is looking for a new laptop and I offered to help, but I too quickly got in trouble. Friend was looking at Dell 13" 5000, but price and performance comparison is almost impossible as the same brand and model at different stores are not identical. We found several differences in the same mod...
by pkcrafter
Thu Jul 18, 2019 12:32 am
Forum: Personal Investments
Topic: Bond choices, risk vs yield
Replies: 21
Views: 1685

Re: Bond choices, risk vs yield

zach, VWEAX will perform pretty much like a 40/60 portfolio is a market drawdown. It lost almost 22% in 2008. You can't get a higher return without increasing the downside risk.

Paul
by pkcrafter
Wed Jul 17, 2019 8:20 pm
Forum: Personal Investments
Topic: asset allocation anxiety
Replies: 29
Views: 2124

Re: asset allocation anxiety

Arabesque, what will your initial withdrawal rate be? The answer to that will have an impact on recommendations. You have to look at ability, need and willingness to take risk. You obviously have willingness, but some investors actually have a risk taking gene, and it might be throwing off your deci...
by pkcrafter
Wed Jul 17, 2019 12:42 pm
Forum: Personal Investments
Topic: Switching from passive to active management
Replies: 104
Views: 7668

Re: Switching from passive to active management

I’m sorry you took the comment as mean spirited, it wasn’t meant to be. I guess I just cannot understand why you even made the post. Anyway, I’ve deleted that comment. You are going from 30/70 to 70/30 and you believe you won’t have higher volatility and no more downside risk? You don’t need 70% in ...
by pkcrafter
Wed Jul 17, 2019 11:52 am
Forum: Personal Investments
Topic: Counseling a Colleague About Their Financial Advisor
Replies: 30
Views: 1944

Re: Counseling a Colleague About Their Financial Advisor

Travelogue ,wow, if your friends are paying someone (anyone) 1% to tell them how to invest in TSP funds, they are just throwing the money away. An advisor, to justify the fee, will have to give the appearance of doing something, so the account will get constantly churned, which will ultimately hurt ...
by pkcrafter
Wed Jul 17, 2019 9:58 am
Forum: Personal Investments
Topic: Counseling a Colleague About Their Financial Advisor
Replies: 30
Views: 1944

Re: Counseling a Colleague About Their Financial Advisor

A colleague was chatting with me and mentioned she and her husband are thinking about changing financial advisors. I don’t have all the details, but it appears the advisor charges a fee of 1% of their assets. He doesn’t hold or manage their assets, he just gives advice. This doesn't sound right. If...
by pkcrafter
Mon Jul 15, 2019 9:15 pm
Forum: Personal Investments
Topic: Future Value and accruals
Replies: 3
Views: 201

Re: Future Value and accruals

I have an initial investment amount of $500. The interest rate is 10% and the fund fee is 0.05% (effective interest rate of 9.95%). Is this an actual mutual fund or an example? If it's actually a fund, please list the name. Mutual fund fees are taken daily and returns are provided after extracting ...
by pkcrafter
Mon Jul 15, 2019 1:31 pm
Forum: Personal Investments
Topic: Help - Talk to me like I'm 4 y/o please
Replies: 90
Views: 7913

Re: Help - Talk to me like I'm 4 y/o please

KelsaBlynn, you are receiving a lot of good replies, but I'm not sure this has been addressed as I didn't read all the replies -- Yes, Vanguard normally does charge to sell non-Vanguard funds, but there is something else you need to check. Make sure Vanguard carries all the funds you want to transfe...
by pkcrafter
Mon Jul 15, 2019 10:30 am
Forum: Personal Investments
Topic: VOO vs bonds
Replies: 62
Views: 2981

Re: VOO vs bonds

Qwen, I'll cut to the bottom line--you are approaching investing all wrong, at least in the Boglehead way. The stock and bond markets can be like a chameleon, that is constantly changing appearance and performance. You will underperform is you constantly try to optimize your portfolio to what you th...
by pkcrafter
Sun Jul 14, 2019 5:56 pm
Forum: Personal Investments
Topic: High ER 401k vs Taxable Account
Replies: 21
Views: 1124

Re: High ER 401k vs Taxable Account

Welcome, Bogleheads, First of all, I am excited to have found you - I'm currently reading "The Bogleheads' Guide to Investing" after having read several others along the same line (Simple Path to Wealth, Random Walk Down Wall Street) - Thank you for your consideration of this question :) I (32m, 45...
by pkcrafter
Sat Jul 13, 2019 7:10 pm
Forum: Personal Investments
Topic: Newbie Request For Guidance (Where To Start W/ My SEP-IRA)
Replies: 3
Views: 170

Re: Newbie Request For Guidance (Where To Start W/ My SEP-IRA)

Welcome Rhet, David Jay's suggestion of a target fund is an excellent idea, especially when starting. 1. Read this getting started link https://www.bogleheads.org/wiki/Getting_started 2. Read the links provided by others above 3. Schwab target date index funds https://www.schwab.com/public/schwab/in...
by pkcrafter
Fri Jul 12, 2019 9:42 pm
Forum: Investing - Theory, News & General
Topic: Index Fund Creator Jack Bogle Didn't Like ETFs Being Used For Speculation
Replies: 84
Views: 3409

Re: Index Fund Creator Jack Bogle Didn't Like ETFs Being Used For Speculation

OK, Bogle didn't like ETFs being used for speculation. I also think he didn't like ETFs in the hands of average investors. From the posted article... But in any event, I thought, well, wait a minute, there’s a message here. If all the—if all the appreciation—if the appreciation is heavily concentra...
by pkcrafter
Fri Jul 12, 2019 7:34 pm
Forum: Investing - Theory, News & General
Topic: Index Fund Creator Jack Bogle Didn't Like ETFs Being Used For Speculation
Replies: 84
Views: 3409

Re: Index Fund Creator Jack Bogle Didn't Like ETFs Being Used For Speculation

OK, Bogle didn't like ETFs being used for speculation. I also think he didn't like ETFs in the hands of average investors. From the posted article... But in any event, I thought, well, wait a minute, there’s a message here. If all the—if all the appreciation—if the appreciation is heavily concentrat...
by pkcrafter
Thu Jul 11, 2019 12:29 pm
Forum: Personal Investments
Topic: Finding an adviser to pay for advice
Replies: 16
Views: 1430

Re: Finding an adviser to pay for advice

Hello all, I have been reading a lot on these forums recently. Looking for advice for my situation. I have about $225K in a bunch of funds through a financial adviser that came on board through my wife when we got married (he'd been handling finances for her family for a long time). I had a lot of ...
by pkcrafter
Wed Jul 10, 2019 1:29 pm
Forum: Personal Investments
Topic: Re-balancing challenge....
Replies: 21
Views: 1159

Re: Re-balancing challenge....

I asked several questions earlier, but I'll try again with just one -- what do you mean when you say you don't have room?

Paul
by pkcrafter
Wed Jul 10, 2019 1:11 pm
Forum: Personal Investments
Topic: VIIIX and TISBX Allocation Question
Replies: 3
Views: 166

Re: VIIIX and TISBX Allocation Question

In my 457 the only palatable options are VIIIX (0.02 ER) and TISBX (0.06 ER). I am currently allocated 80% VIIIX and 20% TISBX. Is this Large Cap/Small Cap ratio appropriate to get close to an SP500 fund? Thanks, y'all! Your 80/20 mix would closely approximate total market, which I think is what yo...
by pkcrafter
Wed Jul 10, 2019 12:17 pm
Forum: Personal Investments
Topic: Performance differentiations (VTSAX vs. VWNAX)
Replies: 12
Views: 756

Re: Performance differentiations (VTSAX vs. VWNAX)

aaronh, this is from your link. Total Return The NAV doesn't tell the whole story of a mutual fund's performance; total return does. Total return is expressed as a percentage of the NAV over a given time period. It represents both appreciation and fund distributions. Together, these reflect the true...
by pkcrafter
Wed Jul 10, 2019 11:30 am
Forum: Personal Investments
Topic: Re-balancing challenge....
Replies: 21
Views: 1159

Re: Re-balancing challenge....

Hi livesoft, I did not hit a triggering band. I feel that I want to scale back a bit and have some protection form the recent highs. However, the fact that both stocks and bonds high, I don't have room to do that. Unless I decide to change my AA to 50/50.... Ok, so you don't want to rebalance, you ...
by pkcrafter
Mon Jul 08, 2019 9:57 am
Forum: Personal Investments
Topic: transferring money from an IRA acct into a new IRA acct. with a check
Replies: 24
Views: 1339

Re: transferring money from an IRA acct into a new IRA acct. with a check

Piton: I want to transfer money from an IRA(vanguard) into a new IRA(at a bank) I would not recommend you invest through a bank. It's very likely you will be charged an ongoing fee by the bank as well as the fund company. If the funds arrive at the bank with taxes missing, you will have to replace ...
by pkcrafter
Sun Jul 07, 2019 5:34 pm
Forum: Personal Investments
Topic: Dumb to investing [Portfolio Feedback]
Replies: 20
Views: 1820

Re: Dumb to investing [Portfolio Feedback]

Let me start by saying that investing has been confusing to me, so when I received the name of my investment advisor from my accountant and read he is a CFP, I thought I'd leave it up to him. Now I'm starting to think that maybe I should do something different. Last year and now this year mutual fu...
by pkcrafter
Sat Jul 06, 2019 3:13 pm
Forum: Personal Investments
Topic: Do I need a financial advisor to protect myself from myself?
Replies: 46
Views: 4238

Re: Do I need a financial advisor to protect myself from myself?

Do you think it is better to have him liquidate my positions at market open this Monday? Looks like it would be a good time to sell as a whole (85% equities) - or is this too market-timey and I should just transfer the positions to my own discount brokerage and liquidate them myself? Anyone have an...
by pkcrafter
Sat Jul 06, 2019 2:33 pm
Forum: Investing - Theory, News & General
Topic: The Genius of John Bogle in 9 quotes.
Replies: 10
Views: 3170

Re: The Genius of John Bogle in 9 quotes.

I would have guessed that after 20 years a passive index investor would have done much better than the top 20% of all investors. But on second thought if there are a significant number of indexers out there, then maybe not. :happy Ahh, don't worry, the top 20% is not constant, it's always changing ...
by pkcrafter
Sat Jul 06, 2019 12:55 pm
Forum: Personal Investments
Topic: Do I need a financial advisor to protect myself from myself?
Replies: 46
Views: 4238

Re: Do I need a financial advisor to protect myself from myself?

Hello everyone. I know that mathematically it makes sense for me to fire my financial advisor. I know how to fire my financial advisor. But I continue to pay 1.15% to have him manage half of all my net worth. Why? Because I am aware that I have behavioral issues and problems with compulsions. I kno...
by pkcrafter
Sat Jul 06, 2019 11:12 am
Forum: Personal Investments
Topic: Analysis, advice and suggestions on portfolio
Replies: 4
Views: 288

Re: Analysis, advice and suggestions on portfolio

LordPerradin, here's a link to an earlier discussion on minimum equity exposure.

viewtopic.php?t=211225

Paul
by pkcrafter
Sat Jul 06, 2019 10:05 am
Forum: Personal Investments
Topic: Analysis, advice and suggestions on portfolio
Replies: 4
Views: 288

Re: Analysis, advice and suggestions on portfolio

Hi folks. I wonder if I could get the forum's advice and thoughts on a family member's asset allocation and holdings in their retirement account. They've given me limited info to share but age is 60, with retirement age of 67-70. Current AA: 75% cash/money market 5% bond fund (FADMX) 20% peppered a...
by pkcrafter
Fri Jul 05, 2019 6:02 pm
Forum: Personal Investments
Topic: Why did SPTL drop today?
Replies: 6
Views: 714

Re: Why did SPTL drop today?

strongboy2005 wrote:
Fri Jul 05, 2019 1:56 pm
I can’t figure this out. Is it a dividend distribution?
You are going to see lots of drops and rises that you won't be able to figure out. Buy, hold, ignore.

Paul
by pkcrafter
Fri Jul 05, 2019 5:23 pm
Forum: Personal Investments
Topic: transferring money from an IRA acct into a new IRA acct. with a check
Replies: 24
Views: 1339

Re: transferring money from an IRA acct into a new IRA acct. with a check

bank-A coded it as a "distribution" and did not withhold any taxes Bank A is the "sending bank? It would seem to me that if they coded it as a distribution, whey would withhold taxes. If the transfer arrives and taxes have been withheld you must replace that money. Sounds like it might be a mess in...
by pkcrafter
Fri Jul 05, 2019 4:44 pm
Forum: Personal Investments
Topic: Talk me in or out of Switching Funds- VBIAX and VTIAX
Replies: 3
Views: 625

Re: Talk me in or out of Switching Funds- VBIAX and VTIAX

I agree with the above posters, switch to TR 2030. In about 5 years, if you think the allocation is too low (about 60% stock) then change to TR 2035. Follow the link, then go to the sliding scale at the bottom of the page. https://investor.vanguard.com/mutual-funds/target-retirement/#/mini/overview/...
by pkcrafter
Fri Jul 05, 2019 2:05 pm
Forum: Personal Investments
Topic: Sole prop with 2 employees, SEP-IRA questions
Replies: 1
Views: 219

Re: Sole prop with 2 employees, SEP-IRA questions

First post here, and total newb at this stuff so please forgive me for any mistakes I make. I run my own business as a sole prop, but a few years back I hired two part-time employees. I invest a small amount (a few hundred dollars) each month into a Vanguard brokerage account as well as a SEP-IRA o...
by pkcrafter
Thu Jul 04, 2019 5:00 pm
Forum: Personal Investments
Topic: 100% in VTSAX
Replies: 15
Views: 1825

Re: 100% in VTSAX

Considering that this fund invests in so many stocks and is very diversified (in stocks), what's the worst that could happen from having 100% of your Roth IRA invested in it? The worst stock market loss – 90% from September, 1929 to July 1932. Note: You will often see losses for one year, but the w...
by pkcrafter
Thu Jul 04, 2019 11:40 am
Forum: Personal Investments
Topic: Suggestions on Investments
Replies: 3
Views: 554

Re: Suggestions on Investments

TicoMan, consider all accounts as one unified portfolio, then put a minimum of 30% of the portfolio into equities. I use 40% equity as a retiree -- worst loss of 22% in 2008. You will need a minimum of 30% equity to keep up with inflation. Use the tax deferred accounts for bonds and cash. Perhaps yo...
by pkcrafter
Sat Jun 29, 2019 8:15 pm
Forum: Investing - Theory, News & General
Topic: Capital Efficiency Trumps Fees
Replies: 14
Views: 1502

Re: Capital Efficiency Trumps Fees

And awaaay we go. Alternates may be viable, but Bogleheads strongly promote a simplified investment strategy for two reasons: 1 It works 2 it is easy to understand and easy to implement I would guess that 50-75% of forum members would be less successful with an “alternative” strategy or any strategy...
by pkcrafter
Sat Jun 29, 2019 10:58 am
Forum: Personal Investments
Topic: Requesting a retirement consultation
Replies: 7
Views: 1079

Re: Requesting a retirement consulation

Welcome, Gil, Hello, So here is my story: Emergency Funds - Yes, Taxable accounts at American Century - Select (TWCIX) = 75000.00, raining day = Prime Money Mkt (BPRXX) = 19000.00 and cloudy day = Credit Union = 4000.00. Why are you using an expensive American Century fund that isn't very tax effic...
by pkcrafter
Thu Jun 27, 2019 3:23 pm
Forum: Personal Investments
Topic: New to investment
Replies: 15
Views: 814

Re: New to investment

Hi guys, I have been lurking around this forum for almost a year now. Finally decided to sign up because I’m in need of some advice. Age: 25 Income: 65,000 (can be more if I pick up more overtime) Tax: single 22% tax No 401k offered at work. Only pension. No debt. Rent is 1k/monthly Emergency fund:...
by pkcrafter
Thu Jun 27, 2019 11:20 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: How Trading Costs Erode Factor Returns
Replies: 43
Views: 3929

Re: Larry Swedroe: How Trading Costs Erode Factor Returns

I wonder if we are mixing definitions and application here. Small cap index funds do enhance exposure to size, but the purpose of these funds is not an attempt to capture factors. Small value captures both size and value, but again, an index fund does not focus on capturing factors, it remains a seg...
by pkcrafter
Wed Jun 26, 2019 7:33 pm
Forum: Personal Investments
Topic: which fund should i choose?
Replies: 15
Views: 1207

Re: which should i choose?

indexinvestor1977 wrote:
Wed Jun 26, 2019 5:26 pm
I have a long time horizon and I like an aggressive 100% stock portfolio.

Option A is more aggressive.

Paul
by pkcrafter
Wed Jun 26, 2019 2:55 pm
Forum: Investing - Theory, News & General
Topic: Ric Edelman's view on the stock market
Replies: 27
Views: 4019

Re: Ric Edelman's view on the stock market

Well, I for one, did not know that you could have a bear market without having a recession. I thought they went hand in hand. He also said some of the best months occur in the first months after a bear market ends (although of course no one knows at the time that the bear has ended). My takeaway: i...
by pkcrafter
Wed Jun 26, 2019 12:42 pm
Forum: Investing - Theory, News & General
Topic: Ric Edelman's view on the stock market
Replies: 27
Views: 4019

Re: Ric Edelman's view on the stock market

Maybe because pkcrafter was listening backwards from 1:22 to 1:13 made it interesting? Yes, that's right. Edelman is not popular with Bogleheads, but there is some content there that may be useful for newer investors. He talks about the 10 year bull run and the returns of investors during those 10 ...
by pkcrafter
Wed Jun 26, 2019 9:35 am
Forum: Investing - Theory, News & General
Topic: Ric Edelman's view on the stock market
Replies: 27
Views: 4019

Re: Ric Edelman's view on the stock market

Housedoc wrote:
Wed Jun 26, 2019 9:19 am
Not a fan of Ric after listening to a few of his weekend radio infomercial shows.
I'm not a fan either, but Edelman's comments on market behavior may help newer investors gain a better long term perspective.


Paul
by pkcrafter
Wed Jun 26, 2019 9:03 am
Forum: Investing - Theory, News & General
Topic: Ric Edelman's view on the stock market
Replies: 27
Views: 4019

Ric Edelman's view on the stock market

Here is a link to Ric Edelman's show (6/23) where he provides some interesting information on stock market behavior. This might give newer investors a better perspective on investing for the long run. Start at ~1:22:40 listen until 1:13, a total of about 10 minutes. http://www.wlsam.com/ric-edelman/...
by pkcrafter
Tue Jun 25, 2019 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone knew the answer where the money is
Replies: 29
Views: 4731

Re: Anyone knew the answer where the money is

Interesting story. :shock: I think you should just leave it all at Vanguard now.


Paul
by pkcrafter
Tue Jun 25, 2019 4:15 pm
Forum: Personal Investments
Topic: Small Value Tilt versus Safer Asset Allocation
Replies: 7
Views: 649

Re: Small Value Tilt versus Safer Asset Allocation

Welcome to the forum Long time reader, first time posting. Thank you all in advance. I am an emergency resident physician wrapping up my last year of residency. I am working through my asset allocation plans and could use some advice on a more aggressive allocation favoring Small Cap and Value vers...