Search found 13021 matches

by pkcrafter
Sun Nov 11, 2018 6:01 pm
Forum: Investing - Help with Personal Investments
Topic: Strategy during the last stock market decline
Replies: 41
Views: 3513

Re: Strategy during the last stock market decline

Strategy during the last stock market decline Pretty simple: hold, rebalance. Rebalancing: When asset classes deviate from their target by a certain absolute percentage . For example, if your target asset allocation is 60% equities and 40% fixed income and your (absolute) rebalancing threshold is +...
by pkcrafter
Sun Nov 11, 2018 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: E. Jones/Vanguard and now Fisher Investments
Replies: 36
Views: 4586

Re: E. Jones/Vanguard and now Fisher Investments

I have had a conversation with Vanguard and would expect to sign up with their personal services. I have just set an appointment (I consider it tentative) with Fisher Investments Why? Going from EG to Fisher does not improve anything -- the same problems and costs. Low costs and simplicity are what...
by pkcrafter
Sun Nov 11, 2018 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: Does the order date or the execution date count when calculating wash sales?
Replies: 1
Views: 203

Re: Does the order date or the execution date count when calculating wash sales?

A wash sale occurs when you sell a security at a loss and then purchase that same security or “substantially identical” securities within 30 days (before or after the sale date).

You're good.

https://www.investopedia.com/terms/w/washsalerule.asp


Paul
by pkcrafter
Sun Nov 11, 2018 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 401K investments
Replies: 6
Views: 266

Re: Help with 401K investments

FID 500 INDEX (FXAIX) Large Cap 17.21% $35,980.45 $37,924.22 -4.76% As of 11/9/18 FXAIX appears to be up 5.7% I realize the market has been up and down but really thought I'd be doing a LITTLE bit better then that Nope, you cannot predict or expect future performance on past performance, they are u...
by pkcrafter
Fri Nov 09, 2018 10:06 am
Forum: Investing - Help with Personal Investments
Topic: First time invester, help needed please
Replies: 74
Views: 3381

Re: First time invester, help needed please

hello stt, you are getting good advice, so I'll just try to help organize. 1. asset allocation - Many of us will recommend 80% stock max across all accounts. Note: It can be much more difficult to hold your allocation during the panic that is present in an out of control market crash. It's also easi...
by pkcrafter
Tue Nov 06, 2018 8:47 am
Forum: Investing - Help with Personal Investments
Topic: In kind transfer from schwab?
Replies: 10
Views: 592

Re: In kind transfer from schwab?

If you are planning to handle your own portfolio, there is no reason you can't do that just as well at Schwab using either their mutual funds or no-transaction-fee ETFs. In other words, you may not have to transfer to Vanguard at all. You could even use one of the low cost Target Index funds at Sch...
by pkcrafter
Mon Nov 05, 2018 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: Percentage of small-caps in an aggressive portfolio
Replies: 17
Views: 901

Re: Percentage of small-caps in an aggressive portfolio

Mkt weight of small is 6%, so anything over that constitutes a tilt. 50% small is radical, but some do hold it. Here is the Larry portfolio which is 100% U.S. small (domestic stock AA). https://portfoliocharts.com/portfolio/larry-portfolio/ Inexperienced investors might want to ramp up on small over...
by pkcrafter
Wed Oct 31, 2018 11:47 am
Forum: Investing - Help with Personal Investments
Topic: Easy retirement income method.
Replies: 20
Views: 3768

Re: Easy retirement income method.

Welcome, It seems one of the biggest risks of a probability SWR strategy is sequence of return. The problem arises when you are forced to sell stocks or bonds at a loss (market crashed, interest rates are rising). My idea is to set up my accounts to sweep all dividends and interest into my cash acco...
by pkcrafter
Tue Oct 30, 2018 9:40 am
Forum: Investing - Help with Personal Investments
Topic: nobody can time the market ... but is it a bad idea to be tech ETF ?
Replies: 12
Views: 1205

Re: nobody can time the market ... but is it a bad idea to be tech ETF ?

etguy wrote:
Mon Oct 29, 2018 9:36 pm
' tech is the future '
Pssst, everyone already knows that.


Paul
by pkcrafter
Mon Oct 29, 2018 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Annoying Fund Data
Replies: 13
Views: 994

Re: Annoying Fund Data

anyone else see that total US is up 10.6% ( :shock: ) on Google and Yahoo, but 0.39% in Morningstar.... why cant we all share the same data!? It's the dates Here's M* showing two Year to Date returns. Upper shows 10.52% as of 9/30/2018. Lower shows Year to Date return 0.31% as of 10/26/18. http://p...
by pkcrafter
Sat Oct 27, 2018 9:14 am
Forum: Investing - Help with Personal Investments
Topic: Paul Merriman's 2-fund portfolio: Suggestions for small-cap funds
Replies: 15
Views: 2103

Re: Paul Merriman's 2-fund portfolio: Suggestions for small-cap funds

Hi, Paul Merriman's 2-fund suggestion is out this week, see here for reference: https://paulmerriman.com/2-funds-for-life/?fbclid=IwAR3SmZBzayDhQQtzZNNMV1xaOneru9VRYrCJddg4jWi-ABJPIszITWAYicI As far as I can understand, he suggests Target-date-fund + Small-cap value funds. I hold three-fund portfol...
by pkcrafter
Fri Oct 26, 2018 11:28 pm
Forum: Investing - Help with Personal Investments
Topic: How to exit out of the Stock Market?
Replies: 58
Views: 6071

Re: How to exit out of the Stock Market?

Welcome Sophia, Hello All, I am new here and very grateful this forum exists! I keep reading that if you can't sleep at night then reduce your exposure to equities. My question is what do I move the money into so that I feel less stress and am able to sleep at night? Bonds, CDs, G fund A little abou...
by pkcrafter
Thu Oct 25, 2018 8:56 am
Forum: Investing - Help with Personal Investments
Topic: Got charged 3 brokerage fees for one sell transaction is that normal ?
Replies: 17
Views: 1405

Re: Got charged 3 brokerage fees for one sell transaction is that normal ?

$620 for a stock trade? OMG. That almost sounds fraudulent to me. That’s way above their stock commission fee: more likely it was a mutual fund with a back-end load. It’s be nice if the OP gave us some supporting details. OP says it was a single stock. EJ commission Maximum Fee in Range 1 – to $5,9...
by pkcrafter
Tue Oct 23, 2018 6:52 pm
Forum: Investing - Help with Personal Investments
Topic: Investment help, please
Replies: 9
Views: 900

Re: Investment help, please

Welcome, Hello, new to Bogleheads, but read the book along with The new coffee house investor. My wife and I are newly retirees and are living off our pensions, with our main expense being health insurance. Most of our savings is from bank accounts, CDs and scarcely from the market. We are ULTRA con...
by pkcrafter
Tue Oct 23, 2018 9:52 am
Forum: Investing - Help with Personal Investments
Topic: "The market always comes back"
Replies: 20
Views: 4021

Re: "The market always comes back"

It seems pretty obvious: annuitization or nothing. Even if you take everything about "stocks for the long run" at face value, and assume "normal optimism." Professor Siegel did not lightly choose Stocks for the Long Run as the title of his book. The operative number is 20. Volatility of returns is ...
by pkcrafter
Mon Oct 22, 2018 9:30 pm
Forum: Investing - Help with Personal Investments
Topic: Timing the market - Some say it’s possible?
Replies: 44
Views: 2737

Re: Timing the market - Some say it’s possible?

Appreciate the input. As I get closer to retirement I don’t know if I’m getting more emotional about investing because I watch the ticker much more than when I was a busy young professional and rarely watched the market (my investments). I’ve actually always been long and hold. I need to take my ow...
by pkcrafter
Mon Oct 22, 2018 3:47 pm
Forum: Investing - Theory, News & General
Topic: Help me understand dividends
Replies: 146
Views: 13138

Re: Help me understand dividends

Dividends are simply automatic withdrawals of total return. I don't think anyone would want them in the accumulation phase. I don't think most would want them in retirement either because you have no control on when to take them, for instance when the market is down. The real benefit of dividends go...
by pkcrafter
Mon Oct 22, 2018 2:24 pm
Forum: Investing - Theory, News & General
Topic: Set it and forget it
Replies: 47
Views: 9229

Re: Set it and forget it

Target Date Fund. All I do is check my balance periodically, feed it, and watch it grow. Simplicity at its best. What would you do if you don't have a TD fund in your 401K and most of your funds are crappy except may be one SP500 index fund? How would you maintain your AA across all your accounts w...
by pkcrafter
Mon Oct 22, 2018 9:38 am
Forum: Investing - Theory, News & General
Topic: Set it and forget it
Replies: 47
Views: 9229

Re: Set it and forget it

Target Date Fund. All I do is check my balance periodically, feed it, and watch it grow. Simplicity at its best. What would you do if you don't have a TD fund in your 401K and most of your funds are crappy except may be one SP500 index fund? How would you maintain your AA across all your accounts w...
by pkcrafter
Mon Oct 22, 2018 9:37 am
Forum: Investing - Theory, News & General
Topic: Set it and forget it
Replies: 47
Views: 9229

Re: Set it and forget it

"Nobody buys a farm based on whether they think it's going to rain next year; they buy it because they think it's a good investment over 10 or 20 years." Warren Buffett "Don't just do something, stand there!" Jack Bogle You'll be a better investor when you forget about your investments, providing y...
by pkcrafter
Mon Oct 22, 2018 7:42 am
Forum: Investing - Help with Personal Investments
Topic: American Century Small Cap ASVIX
Replies: 16
Views: 784

Re: American Century Small Cap ASVIX

I doubt any Boglehead would think it's a good fund. ER of 1.26%. About the same returns as Vanguard small value, but more volatility. Forgive my lack of know-how, but where did you find the ER 1.26% ? (Are you referring to price/earning ratio?) Tu! Sorry, ER = expense ratio. Google search shows som...
by pkcrafter
Sun Oct 21, 2018 9:06 pm
Forum: Investing - Help with Personal Investments
Topic: My Edward Jones IRA is out performing my Vanguard 401K
Replies: 65
Views: 8187

Re: My Edward Jones IRA is out performing my Vanguard 401K

Hate to say it, but the reality is EJ advisors are trained far more in schmoozing then looking out for customer's welfare. Talking to this guy is a complete waste of time.

Paul
by pkcrafter
Sun Oct 21, 2018 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: Old Newbie Looking For The Same Advice?
Replies: 10
Views: 816

Re: Old Newbie Looking For The Same Advice?

Paul, That's probably part of my problem: I see a 401k and investing the remaining money after expenses as two completely separate things until you just said "This sounds like you haven't invested anything, but below you say you have a 401k." I was (so fortunately) guided into the 401k, which is pr...
by pkcrafter
Sun Oct 21, 2018 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: American Century Small Cap ASVIX
Replies: 16
Views: 784

Re: American Century Small Cap ASVIX

edvest wrote:
Sun Oct 21, 2018 7:43 pm
Do you think this is a good fund?
I doubt any Boglehead would think it's a good fund. ER of 1.26%. About the same returns as Vanguard small value, but more volatility.

Paul
by pkcrafter
Sun Oct 21, 2018 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: Old Newbie Looking For The Same Advice?
Replies: 10
Views: 816

Re: Old Newbie Looking For The Same Advice?

Welcome, Hi, I'm looking for your input. I'm 35, married, baby 7mo out, although I didn't grow up with a family that invested. Fortunately, I didn't grow up with a family that spent a lot either, they put what money they had in a savings account, so that's what I do. I have about $100k saved and her...
by pkcrafter
Sat Oct 20, 2018 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: Do Any Annuities Offer a "Free Lunch"?
Replies: 21
Views: 1948

Re: Do Any Annuities Offer a "Free Lunch"?

Do Any Annuities Offer a "Free Lunch"?
NO!
by pkcrafter
Sat Oct 20, 2018 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: My Edward Jones IRA is out performing my Vanguard 401K
Replies: 65
Views: 8187

Re: My Edward Jones IRA is out performing my Vanguard 401K

New member here. After reading all the threads on the internet about how Edward Jones has really high fees, I have been considering moving my Edward Jones IRAs to Vanguard or Fidelity based on everyone's recommendations. However, my current Vanguard 401K (2045 target fund portfolio) has a YTD retur...
by pkcrafter
Fri Oct 19, 2018 9:39 am
Forum: Investing - Help with Personal Investments
Topic: What if your risk tolerance is lower than what's best for your portfolio?
Replies: 51
Views: 3908

Re: What if your risk tolerance is lower than what's best for your portfolio?

I'd love to be at 20/80, but then I'd have to pay cap gains, so the lowest I can go without tax penalty is 30/70. How would a change in the asset allocation trigger a different tax? Our long-term savings have not yet entered into taxable (all IRA/401K) so I know less about that. I would like to und...
by pkcrafter
Fri Oct 19, 2018 8:55 am
Forum: Investing - Help with Personal Investments
Topic: What if your risk tolerance is lower than what's best for your portfolio?
Replies: 51
Views: 3908

Re: What if your risk tolerance is lower than what's best for your portfolio?

Hi, Bogleheads. My AA is 37/63 now, after this slight correction. I lost more than a year's expenses in one week. I just hate losing money, even if it's only paper losses, especially now that I'm semi-retired. (I've lived through bears and recessions and don't panic sell. But my mood goes south.) H...
by pkcrafter
Thu Oct 18, 2018 9:27 am
Forum: Investing - Help with Personal Investments
Topic: Spoke with a CFP...underwhelming!
Replies: 51
Views: 5276

Re: Spoke with a CFP...underwhelming!

I have a family friend who is a CFP in the local area, and I've always been curious to talk to him, as I've only learned from reading, forums, blogs, etc. I was always eager to hear his take on where I stand, and his thoughts. I finally spoke with him yesterday afternoon, and it was a bit underwhel...
by pkcrafter
Fri Oct 12, 2018 2:33 pm
Forum: Investing - Help with Personal Investments
Topic: Scared to Jump
Replies: 11
Views: 1470

Re: Scared to Jump

Welcome, I have never seen a tax-efficient taxable account created by an advisor, so it might be good to post your current holdings so we can suggest an order of selling. What is your tax bracket? Here is another link for tax information from our Wiki https://www.bogleheads.org/w/index.php?search=ta...
by pkcrafter
Thu Oct 11, 2018 8:59 pm
Forum: Investing - Help with Personal Investments
Topic: Investing Philosophy
Replies: 11
Views: 998

Re: Investing Philosophy

Peter, what you have written is an investment policy statement. https://www.bogleheads.org/wiki/Investment_policy_statement These can be difficult to write because the investor must get all the facts together and write up an organized plan. There are strong benefits in writing an IPS: It provides a ...
by pkcrafter
Wed Oct 10, 2018 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: Comparing my performance against S&P 500
Replies: 20
Views: 1316

Re: Comparing my performance against S&P 500

Boba, I'm not sure the S&P 500 is the appropriate index. Maybe you are holding lots of tech stocks or mid and small cap, so you have to find a benchmark that is similar to your holdings, and you also need to know the amount of risk you are taking. You also have to track trading costs and taxes if in...
by pkcrafter
Wed Oct 10, 2018 3:58 pm
Forum: Investing - Theory, News & General
Topic: You know you’re a Boglehead when. . .
Replies: 44
Views: 4963

Re: You know you’re a Boglehead when. . .

This is a "family-friendly" environment - things you can say in front of the little ones. I removed a post which used an "adult language" phrase for a certain type of money (having enough money so you don't need to work for a living). I also removed a reply which linked to a website (and subsequent...
by pkcrafter
Tue Oct 09, 2018 11:52 am
Forum: Investing - Help with Personal Investments
Topic: Index vs. actively managed funds....is there a good tool to compare?
Replies: 24
Views: 1907

Re: Index vs. actively managed funds....is there a good tool to compare?

Cody, here are the persistence scoreboards from S&P. Take a look at first link, March 2018. https://us.spindices.com/resource-center/thought-leadership/spiva/ Active vs Passive. Download "Latest Reports, SPIVA® U.S. Year-End 2017," then look at page 6 to see performance data over multiple years. htt...
by pkcrafter
Tue Oct 09, 2018 10:56 am
Forum: Investing - Help with Personal Investments
Topic: How to get over paper loss?
Replies: 43
Views: 3924

Re: How to get over paper loss?

I feel your pain. I have some losses pre-boglehead days of individual stocks in my Roth IRA. I just can't bring myself to sell them knowing how valuable Roth space is. I understand the opportunity cost of keeping them as opposed to buying vti or vxus but I keep hoping for them to go up. (This is no...
by pkcrafter
Sun Oct 07, 2018 1:46 pm
Forum: Investing - Help with Personal Investments
Topic: Rate of return in negative
Replies: 16
Views: 1963

Re: Rate of return in negative

New to investing & started my 401k around month & half ago. I am investing $1500/month to Vanguard Instl Trgt Retire 2050 Instl. I know rate of return fluctuates but it's currently at (-1.50%). Rate of return is in negative. Is this normal & expected. Whoops, stop and reread what your wrote, "I kno...
by pkcrafter
Sun Oct 07, 2018 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: Understanding management fees and expense ratio
Replies: 9
Views: 449

Re: Understanding management fees and expense ratio

The fund you listed has a net ER (expense ratio) of 0.89%. That is the total cost. However, if your dad has a managed account there will be an additional and separate account management fee charged by the advisor. 1% is the norm, but it could be higher.



Paul
by pkcrafter
Sun Oct 07, 2018 1:02 pm
Forum: Investing - Help with Personal Investments
Topic: Management fees
Replies: 10
Views: 990

Re: Management fees

But the problem is that once I leave, she'll charge my husband with a 2.5% fee. This needs some explanation since it is highly unusual. Is it because when you leave your husband will be under the minimum required to get the 1%. 1% is bad enough, and your husband is nuts to stay with an advisor who ...
by pkcrafter
Sat Oct 06, 2018 8:22 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Shtekman and Xu beat Asness: Alt. Strategies (VASFX) vs. AQR (QSPIX)!
Replies: 18
Views: 1166

Re: Vanguard's Shtekman and Xu beat Asness: Alt. Strategies (VASFX) vs. AQR (QSPIX)!

Based on all history to date, the only question I have is why one would want either one. Very well, QSPIX (yellow) beat the category average (orange), and VASFX (blue) beat QSPIX--but neither of them beat Morningstar's "moderate target risk" benchmark (green). To my eyeball it doesn't look as if ei...
by pkcrafter
Sat Oct 06, 2018 8:01 pm
Forum: Investing - Theory, News & General
Topic: 7 Investing Truths That Aren't
Replies: 53
Views: 5980

Re: 7 Investing Truths That Aren't

I don't get the knock on the eight year old comment. It simply comes down to investing can, and for most, should be very simple. We explain it that way to unknowledgeable adults every day. :happy

Paul
by pkcrafter
Sat Oct 06, 2018 6:05 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for help investing 140k savings
Replies: 15
Views: 1986

Re: Looking for help investing 140k savings

I set up a free consultation with another advisor later in October and will present them with a version of this plan. I will reply with more detail as I get closer to putting a plan in to action. Thank you all! Was the first advisor EJ? Who is the second advisor? The second advisor will most likely...
by pkcrafter
Sat Oct 06, 2018 4:05 pm
Forum: Investing - Help with Personal Investments
Topic: The Psychological Dimension Of The Transition To Retirement
Replies: 25
Views: 2873

Re: The Psychological Dimension Of The Transition To Retirement

For those of you who are retired, how did you become comfortable with moving from a lifetime of accumulating assets to a de-accumulation mindset? I will retire in another week, a few months before my 62nd birthday, and I am finding the prospect of the transition to be somewhat daunting. No problem,...
by pkcrafter
Fri Oct 05, 2018 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: Combating Analysis Paralysis
Replies: 17
Views: 1906

Re: Combating Analysis Paralysis

Short story - plans to retire early at 60, just less than 4 years away with pension and SS and planning to take between 3.5% and 4% of a not yet $1million portfolio each year. Hmmmm. The 80/20 idea appears to be for after retirement. I don't know what the current portfolio has. If the initial withd...
by pkcrafter
Fri Oct 05, 2018 6:17 pm
Forum: Investing - Help with Personal Investments
Topic: Learned some lessons... back for fresh approach
Replies: 17
Views: 2179

Re: Learned some lessons... back for fresh approach

If you start buying individual bonds through a broker you have to be careful of potential 5% commish on each bond.

Paul
by pkcrafter
Fri Oct 05, 2018 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: Differences between Index Funds
Replies: 20
Views: 1988

Re: Differences between Index Funds

Hello, I'm new to investing. I opened an account with Charles-Schwab and started investing with them. Vanguard always seems to be the index funds people praise but I invested with Charles-Schwab index funds since they had no commission. Is there a major difference between the two that could make up...
by pkcrafter
Thu Oct 04, 2018 11:50 pm
Forum: Investing - Help with Personal Investments
Topic: Timing the Market
Replies: 18
Views: 2298

Re: Timing the Market

Welcome, They say it is impossible to time the market. I am very conservative, so I've been saving to have 1-years worth of fully liquid living expenses (mostly all in high-yield checking or MM accounts). I recently reached that 1-year expenses goal, so I decided to start doing some investing in a t...
by pkcrafter
Thu Oct 04, 2018 7:19 pm
Forum: Investing - Help with Personal Investments
Topic: Self-employee investments
Replies: 11
Views: 815

Re: Self-employee investments

Here is some information on small business options from Schwab. Vanguard also has information on these plans.

https://www.schwab.com/public/schwab/in ... retirement


Paul
by pkcrafter
Thu Oct 04, 2018 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: Opinion's: Best time to withdraw RMD's when required to do so.
Replies: 42
Views: 3289

Re: Opinion's: Best time to withdraw RMD's when required to do so.

Is anyone taking the RMD and then requesting a certain amount be withheld for taxes?

Paul