Search found 14205 matches

by pkcrafter
Sun Sep 27, 2020 10:28 pm
Forum: Personal Investments
Topic: New to Vanguard
Replies: 5
Views: 630

Re: New to Vanguard

Welcome, First post so be gentle. So about 10yrs ago me and my wife did the Dave Ramsey FPU thing and went to one of the "Endorsed Local Providers". This lead to a decent guy at Raymond James. He recently sold off his office and we were feeling some serious pressure from his replacement. We've know...
by pkcrafter
Sun Sep 27, 2020 7:41 pm
Forum: Personal Investments
Topic: Vanguard Customer Service: How to Proactively Avoid a Problem
Replies: 15
Views: 1198

Re: Vanguard Customer Service: How to Proactively Avoid a Problem

kookaburra, why do you want to send the IRA to a 401k? Normally, 401ks have higher expenses and limited choices. Paul To allow the backdoor Roth without getting zinged by the pro-rata rule. Ahhh, thank you. :thumbsup Unfortunately, your experience with Vanguard doesn't appears to be a rarity, but I...
by pkcrafter
Sun Sep 27, 2020 7:11 pm
Forum: Personal Investments
Topic: Vanguard Customer Service: How to Proactively Avoid a Problem
Replies: 15
Views: 1198

Re: Vanguard Customer Service: How to Proactively Avoid a Problem

kookaburra, why do you want to send the IRA to a 401k? Normally, 401ks have higher expenses and limited choices.

Paul
by pkcrafter
Sat Sep 26, 2020 8:20 pm
Forum: Personal Investments
Topic: Is this a perfect time to pile into a 3% yield, net of fees, stable value fund?
Replies: 18
Views: 2750

Re: Is this a perfect time to pile into a 3% yield, net of fees, stable value fund?

Seems like this would be a perfect time for piling in, at least for the already existing FI allocation that's currently spread across a dozen accounts.
This sounds like more of a problem than the 3% yield.


Paul
by pkcrafter
Fri Sep 25, 2020 11:27 am
Forum: Investing - Theory, News & General
Topic: Myths of international investing - Fidelity
Replies: 153
Views: 9917

Re: Myth's of international investing - Fidelity

...Does this mean you don't hold any international?... No. About 20% of my stock allocation is invested in the Vanguard Total International Stock Index Fund. ...and do not recommend it to new investors?... No. New investors need to make a decision and stick to it, and 0% is one end of a range of pe...
by pkcrafter
Fri Sep 25, 2020 10:13 am
Forum: Personal Investments
Topic: Standard Boglehead Portfolio plus Small Cap Value (SCV) tilt from AVUV. Does my tilt percentage make sense?
Replies: 28
Views: 1397

Re: Standard Boglehead Portfolio plus Small Cap Value (SCV) tilt from AVUV. Does my tilt percentage make sense?

I recently paid off my graduate-school debt and have been investing in accordance with general Boglehead philosophy as much as possible, given my income of $50k/year. Fama and French's research (as elaborated by Ben Felix) has persuaded me to tilt my portfolio to SCV. Avantis' AVUV ETF (.25% ER) is...
by pkcrafter
Fri Sep 25, 2020 8:50 am
Forum: Personal Investments
Topic: Long Suffering VXUS Holder No More
Replies: 128
Views: 10679

Re: Long Suffering VXUS Holder No More

cowdogman, you might be interested in this discussion on an article Fidelity wrote about international investing. https://www.bogleheads.org/forum/viewtopic.php?f=10&t=326238 Vanguad's target funds and lifestrategy funds hold about 40% international, which many here believe is too much. The average ...
by pkcrafter
Fri Sep 25, 2020 8:25 am
Forum: Investing - Theory, News & General
Topic: Myths of international investing - Fidelity
Replies: 153
Views: 9917

Re: Myth's of international investing - Fidelity

It has actually convinced me of the opposite. The article is full of such nonsense that it makes me feel that I am being sold something, at high pressure, by a clever salesperson who is trying to mislead without technically lying. Investors who lack international exposure miss out on the world's be...
by pkcrafter
Thu Sep 24, 2020 7:40 pm
Forum: Personal Investments
Topic: About to retire and looking for consolidation/asset allocation suggestions
Replies: 18
Views: 1834

Re: About to retire and looking for consolidation/asset allocation suggestions

news, your plan is very well organized and laid out. A withdrawal rate of 120k/year is within the acceptable 4%. I'm retired and have been holding a 40 stock/60 bond portfolio for the past 10 years and the returns have been enough to maintain the portfolio while accounting for inflation (some growth...
by pkcrafter
Thu Sep 24, 2020 10:39 am
Forum: Investing - Theory, News & General
Topic: Myths of international investing - Fidelity
Replies: 153
Views: 9917

Myths of international investing - Fidelity

Myths of international investing

https://www.fidelity.com/viewpoints/inv ... ting-myths

The international allocation in Vanguard's Total World Stock Index is 39-40%. Are you comfortable with that much? Did reading this article change your view?

Paul
by pkcrafter
Thu Sep 24, 2020 9:53 am
Forum: Personal Investments
Topic: Buckets in Retirement
Replies: 97
Views: 7387

Re: Buckets in Retirement

Curious how many active retirees on this site use the three bucket approach during retirement for short term cash needs, medium term and longer term growth? Would be interested in the Vanguard funds used in each of the three buckets I think the "3 bucket" idea is simply a mental accounting trick. T...
by pkcrafter
Wed Sep 23, 2020 12:57 pm
Forum: Personal Investments
Topic: Taking the plunge into personal investing - advice requested.
Replies: 4
Views: 531

Re: Taking the plunge into personal investing - advice requested.

Welcome to the forum,

How much do you have toward retirement goal now?

Can you provide a list of available fund in the 401k?

Paul
by pkcrafter
Wed Sep 23, 2020 12:37 pm
Forum: Personal Investments
Topic: High Dividend for diversification
Replies: 42
Views: 2733

Re: High Dividend for diversification

According to the Boglehead ideas, which I personally believe in: 1) Since you can't pick stocks, period, you can't pick dividend stocks either. It's not as if it were difficult to identify the best stocks , but easy to identify the best of the dividend stocks. Therefore, there is no advantage in pi...
by pkcrafter
Tue Sep 22, 2020 6:21 pm
Forum: Personal Investments
Topic: Seeking Advice - Modified GB Portfolio
Replies: 5
Views: 459

Re: Seeking Advice - Modified GB Portfolio

Hello! My new allocation would be 25% Total Stock Market 25% Small cap value 15% Long Term Treasuries 10% Short Term Treasuries 25% Gold What do you think about it? I've backtested it and it shows more volatility than the classical GB. When it goes down, it does so 5/6% more than the GB, but it rec...
by pkcrafter
Tue Sep 22, 2020 10:36 am
Forum: Personal Investments
Topic: Flexible retirement planner software question
Replies: 7
Views: 753

Re: Flexible retirement planner software question

I've been using the flexible retirement planner software program to hopefully figure out if we can retire in a few years. In the section for annual retirement income if you're not working but are collecting dividends Is that considered retirement income? Also, has anybody been using this for a whil...
by pkcrafter
Tue Sep 22, 2020 10:17 am
Forum: Personal Investments
Topic: Why is this portfolio wrong?
Replies: 55
Views: 3648

Re: Why is this portfolio wrong?

2 1/2 years from retirement. Basically am where I want to be in terms of investments right now...future contributions are gravy. I've had the same portfolio for years. 50% SPY, 50% QQQ. May occasionally go 10% cash. No international, no emerging markets, no bonds. Should I change and why??? Thanks,...
by pkcrafter
Tue Sep 22, 2020 10:03 am
Forum: Personal Investments
Topic: What does a load look like on a statement?
Replies: 10
Views: 833

Re: What does a load look like on a statement?

I am reviewing some statements for a relative who doesn't think they are paying very much in fees to an advisor. When looking at Class A share purchases - what does a load look like? Does it show as buying a share price at 5.75% higher than it closed on the day of the transaction? Others have expla...
by pkcrafter
Mon Sep 21, 2020 12:24 pm
Forum: Personal Investments
Topic: Contemplating retiring in about a year: are we ready?
Replies: 9
Views: 2386

Re: Contemplating retiring in about a year: are we ready?

Key points highlighted... Greetings, Bogleheads, I have been lurking on Bogleheads for 8 years or more. This is my first post. I’ve made an effort to post with the standardized format, adjusted to fit with unique aspects. I know this is a terribly long post which many will find tedious to read. Tha...
by pkcrafter
Mon Sep 21, 2020 10:35 am
Forum: Personal Investments
Topic: Portfolio Review for Newly Retired Single
Replies: 2
Views: 558

Re: Portfolio Review for Newly Retired Single

Dear Bogleheads, I need to conserve my money and generate income. No, you don't. You just need enough growth to sustain the portfolio and the withdrawals. Currently, I have 74% equities and 26% bonds/cash based on 2 million. Your right about this, you've got to clean it up and simplify it. With 2MM...
by pkcrafter
Sun Sep 20, 2020 8:25 pm
Forum: Investing - Theory, News & General
Topic: No Dividends for S&P500 index fund in 401k?
Replies: 10
Views: 1479

Re: No Dividends for S&P500 index fund in 401k?

Is the S&P fund a true mutual fund with a ticker or a commingled trust? If the commingled then the dividends don’t show up as dividends and are just renovated into the trust if I remember correctly. Yes, JoeNJ is correct. https://thefinancebuff.com/collective-trust-vs-mutual-fund-whats-the-differen...
by pkcrafter
Sun Sep 20, 2020 6:04 pm
Forum: Personal Investments
Topic: Portfolio evaluation - looking to refinance mortgage and drop to 1 income
Replies: 3
Views: 531

Re: Portfolio evaluation - looking to refinance mortgage and drop to 1 income

This was a doozie to put together (into 8th page in word) and its long so I thank you in advance if you make your way anywhere near through it. Yes, it's a doozie! Emergency Funds: Have 13 months of approximate expenses in cash Debt: Mortgage ($398,000 @ 3.875%, 27 years remaining, 30-year fixed, c...
by pkcrafter
Sun Sep 20, 2020 8:03 am
Forum: Personal Investments
Topic: Help me select my 401k funds to align with low cost and close to 3 fund portfolio
Replies: 9
Views: 766

Re: Help me select my 401k funds to align with low cost and close to 3 fund portfolio

At my recent employer's place, Fidelity is the 401(k) administrator and we have the following fund choices. I am in the process of simplifying our investments to VSMGX (in Vanguard) and FFNOX (in Fidelity) inspired by @longinvest thread on one-fund portfolio. What funds would you suggest to use to ...
by pkcrafter
Sat Sep 19, 2020 12:12 pm
Forum: Personal Investments
Topic: Losing Money with Index Funds
Replies: 149
Views: 13687

Re: Losing Money with Index Funds

Let's not forget John Maynard Keynes famous quote following the great crash of 1929 which resulted in the market losing 89%. Markets can remain irrational longer than you can remain solvent. The Dot Com bubble/crash of 2002 saw the NASDAQ lose 78%. New tech companies simply closed up, so many invest...
by pkcrafter
Sat Sep 19, 2020 10:37 am
Forum: Personal Investments
Topic: Rebalancing to 50/50
Replies: 55
Views: 5180

Re: Rebalancing to 50/50

Kayaking, just to clarify a few things, I said Bogleheads seem to like 20-30% international. That's the usual range, but choices do vary, and in the end it's a personal choice. Most posters agree that Vanguard's 40% is too high; however, those with international history may opt for it. The recommend...
by pkcrafter
Fri Sep 18, 2020 5:16 pm
Forum: Personal Investments
Topic: Rebalancing to 50/50
Replies: 55
Views: 5180

Re: Rebalancing to 50/50

Now that I am 70 I have a shorter time horizon, but I want to have enough money to have friends for dinner, buy symphony tickets and theater subscriptions, take my daughter on camping/snorkeling vacations, and spend a month in a small apartment in Italy every year when the sidewalks in my town are ...
by pkcrafter
Fri Sep 18, 2020 3:11 pm
Forum: Investing - Theory, News & General
Topic: Are Active Funds actually getting worse
Replies: 8
Views: 1193

Re: Are Active Funds actually getting worse

Not surprising at all. Here is a recent SPIVA report for the U.S. market.

https://www.ifa.com/articles/despite_br ... d_-_works/

Paul
by pkcrafter
Fri Sep 18, 2020 12:55 pm
Forum: Investing - Theory, News & General
Topic: So, you want to tilt to growth
Replies: 33
Views: 2747

Re: So, you want to tilt to growth

Personally I am adding an innovation tilt, a new category if you will, to capture some of the more forward thinking opportunities, if they develop. [ quote fixed by admin LadyGeek] That might be good, I'm sure no one has ever thought of it before. :happy No, seriously, this is now also popular and ...
by pkcrafter
Fri Sep 18, 2020 12:49 pm
Forum: Investing - Theory, News & General
Topic: Questions to ask a prospective financial advisor
Replies: 112
Views: 4888

Re: Questions to ask a prospective financial advisor

I was just speaking with a relative who called to let me know he is retiring next month. He is 64 and wife is 62. He’s been a saver all his life and has accumulated a substantial nest egg. I wasn’t aware, until today, that he has never learned basic financial/investing principles. He mentioned that...
by pkcrafter
Fri Sep 18, 2020 10:43 am
Forum: Investing - Theory, News & General
Topic: Books/websites for a 12 year old to learn about investing
Replies: 14
Views: 826

Re: Books/websites for a 12 year old to learn about investing

The Teenage Investor by Timothy Olsen. https://www.amazon.com/Teenage-Investor-Start-Invest-Wealth/dp/0071416633 This book created quite a stir when it first came out, but I don't know if it follows Boglehead principles, which are absolutely the way to go. Here is Getting Started from our Wiki, but ...
by pkcrafter
Fri Sep 18, 2020 9:58 am
Forum: Personal Investments
Topic: Thoughts about Leveraged ETF's
Replies: 19
Views: 1136

Re: Thoughts about Leveraged ETF's

Welcome Alexander,

Please scroll down in this link and read Nisiprius' post--

viewtopic.php?t=304761


Paul
by pkcrafter
Thu Sep 17, 2020 2:07 pm
Forum: Investing - Theory, News & General
Topic: So, you want to tilt to growth
Replies: 33
Views: 2747

So, you want to tilt to growth

Lots of recent posts strongly favoring growth funds. Something to keep in mind: One of the most common errors in finance is the extrapolation of recent returns. Investors buy recent winners rather than build a well-balanced portfolio because of a myopic view of performance. Over the last 40 years, g...
by pkcrafter
Wed Sep 16, 2020 9:09 pm
Forum: Investing - Theory, News & General
Topic: Index Investing Explained
Replies: 0
Views: 495

Index Investing Explained

Index Investing by Sven Carlin, Seeking Alpha

https://seekingalpha.com/article/432267 ... 00-history.

You also may like the comments following the article.


Paul
by pkcrafter
Wed Sep 16, 2020 12:38 pm
Forum: Personal Investments
Topic: Looking for help structuring three fund portfolio between 6 accounts
Replies: 4
Views: 542

Re: Looking for help structuring three fund portfolio between 6 accounts

Welcome to the forum, Grt2bOutdoors has provided some good advice to get you on track. Hi Bogleheads, My wife and I are in our mid forties with two children under 10. I work full-time. After selling some real estate we've accumulated some savings but online savings account rates aren't what they use...
by pkcrafter
Tue Sep 15, 2020 2:40 pm
Forum: Personal Investments
Topic: Too Much Cash, Too Many Funds? Portfolio
Replies: 5
Views: 756

Re: Too Much Cash, Too Many Funds? Portfolio

Hello, I got nervous early this year and moved a lot of money into cash just before things crashed and everything was shut down. I have recently hit full retirement age, but I am not fully retired. I would like advice on simplifying my holdings, and on how much cash I really need. I don't mind havi...
by pkcrafter
Tue Sep 15, 2020 2:04 pm
Forum: Personal Investments
Topic: Short-Term Investment
Replies: 11
Views: 1017

Re: Short-Term Investment

Hi all, I've been reading this site for several months now and have started getting my finances in order. Currently maxing out retirement accounts. My question for the forum: I am beginning to put away money for a down-payment on a house. (Not looking for advice on whether or not to buy a house.). ...
by pkcrafter
Tue Sep 15, 2020 12:46 pm
Forum: Personal Investments
Topic: Vanguard funds in retirement
Replies: 15
Views: 1611

Re: Vanguard funds in retirement

bpkasl, in order to get more useful feedback, you should post your information according to this:

viewtopic.php?f=1&t=6212

If you don't know which funds you want to use, we can help with that, but we do need your information first.

Paul
by pkcrafter
Tue Sep 15, 2020 10:59 am
Forum: Personal Investments
Topic: Poor performing portfolio
Replies: 71
Views: 7206

Re: Poor performing portfolio

Was just looking at my taxable account and noticed that my Year To Date gains are currently just $100. LOL! I kid you not. This is on a close to half million dollar position. Clearly I am doing something terribly wrong. Positions : VOO (S&P 500) - 14.14% VFWAX (Total International) - 23.31% VBILX (...
by pkcrafter
Mon Sep 14, 2020 10:34 am
Forum: Personal Investments
Topic: Thoughts on VTWAX Rebalancing
Replies: 19
Views: 1240

Re: Thoughts on VTWAX Rebalancing

However, if the investor instead chose to put all their money into VTWAX, there wouldn't be anything to rebalance into. The question: Does investing in a single fund remove this ability to leverage profits from a successful part of the fund to purchase more of the currently less performant asset? I...
by pkcrafter
Mon Sep 14, 2020 10:18 am
Forum: Personal Investments
Topic: Thoughts on VTWAX Rebalancing
Replies: 19
Views: 1240

Re: Thoughts on VTWAX Rebalancing

However, if the investor instead chose to put all their money into VTWAX, there wouldn't be anything to rebalance into. The question: Does investing in a single fund remove this ability to leverage profits from a successful part of the fund to purchase more of the currently less performant asset? I...
by pkcrafter
Sun Sep 13, 2020 7:15 pm
Forum: Personal Investments
Topic: Thoughts on VTWAX Rebalancing
Replies: 19
Views: 1240

Re: Thoughts on VTWAX Rebalancing

However, if the investor instead chose to put all their money into VTWAX, there wouldn't be anything to rebalance into. The question: Does investing in a single fund remove this ability to leverage profits from a successful part of the fund to purchase more of the currently less performant asset? I...
by pkcrafter
Sun Sep 13, 2020 12:09 pm
Forum: Personal Investments
Topic: Portfolio Checkup 40 Year Old
Replies: 5
Views: 1305

Re: Portfolio Checkup 40 Year Old

mlbosu, here is some information on needed saving/investing rate.

https://www.investopedia.com/articles/p ... y-save.asp


Paul
by pkcrafter
Sun Sep 13, 2020 10:45 am
Forum: Personal Investments
Topic: Anyone successfully living off dividends & interest?
Replies: 204
Views: 19725

Re: Anyone successfully living off dividends & interest?

I'm a few years out from retirement and am exploring a bunch of different portfolio strategies. I won't have enough money to just dump it in a bond fund (unless it's some volatile CEF) and "live off the interest" like our grandparents did. I've run the numbers every which way and in this low-intere...
by pkcrafter
Sat Sep 12, 2020 7:21 pm
Forum: Personal Investments
Topic: Portfolio Checkup 40 Year Old
Replies: 5
Views: 1305

Re: Portfolio Checkup 40 Year Old

What % of income are you investing for retirement? Your wife is also eligible for a spousal Roth IRA.


Paul
by pkcrafter
Sat Sep 12, 2020 5:39 pm
Forum: Personal Investments
Topic: retirement/growth investment
Replies: 20
Views: 1660

Re: retirement/growth investment

Hello All, I have been spending the last month absorbing and learning so much fascinating info about investing. If one doesnt have enough to start an index fund at $3000 minimum I.e. VTSAX, one finds its alternative VTI etf has lower expense ratio and doesnt require a minimum investment. Yes, corre...
by pkcrafter
Sat Sep 12, 2020 10:37 am
Forum: Personal Investments
Topic: Do growth ETFs fall victim to to buying high/selling low?
Replies: 7
Views: 730

Re: Do growth ETFs fall victim to to buying high/selling low?

I've started looking into VUG (Vanguard Growth ETF) that seeks to track the performance of the CRSP US Large Cap Growth Index. You, like many inexperienced investors, have been "looking into" VUG lately. The reason, of course, is stellar recent returns. Recent returns are not a good way to select l...
by pkcrafter
Fri Sep 11, 2020 3:00 pm
Forum: Personal Investments
Topic: Rate My Portfolio- Advice/Changes?
Replies: 2
Views: 312

Re: Rate My Portfolio- Advice/Changes?

...and have 10k in cash about to invest when I feel this correction is over.

Does this mean you are waiting for the market to up before investing your money?


Paul
by pkcrafter
Fri Sep 11, 2020 12:29 pm
Forum: Personal Investments
Topic: Is there a tax-efficient, one-fund portfolio?
Replies: 25
Views: 2571

Re: Is there a tax-efficient, one-fund portfolio?

Since target date funds cannot seem to meet this criteria due to bond holdings and turnover, is there anything else out there can be used in a taxable account? Something like Vanguard Tax-Managed Balanced Fund Admiral Shares (VTMFX)?? +1 https://www.bogleheads.org/wiki/Tax-efficient_fund_placement ...
by pkcrafter
Fri Sep 11, 2020 10:14 am
Forum: Personal Investments
Topic: Invest in 1 Vanguard Fund - VIGAX -- Is it wrong ?
Replies: 25
Views: 4053

Re: Invest in 1 Vanguard Fund - VIGAX -- Is it wrong ?

Hello, I have limited options in my Vanguard 401K through my employer. I looked at the performance of mutual funds and VIGAX performance is the best amongst all selections. I do check the performance of mutual funds on a weekly basis and make sure things look okay. :shock: Not a good idea. I unders...