Search found 13310 matches

by pkcrafter
Thu Jun 20, 2019 11:43 am
Forum: Personal Investments
Topic: TSP Allocation for Retirement
Replies: 7
Views: 356

Re: TSP Allocation for Retirement

I'm retired and looking for advice on my TSP Allocation. I haven't begun disbursements from this fund yet but want to follow a 4% per year withdrawal rate hoping to make my balance last for 30 years. I'm currently invested as follows: C (40%) S (10%) G (44%) F (6%). My primary question is what do y...
by pkcrafter
Thu Jun 20, 2019 11:06 am
Forum: Investing - Theory, News & General
Topic: Why do large personal portfolios include bonds?
Replies: 145
Views: 9527

Re: Why do large personal portfolios include bonds?

Bogleheads post by John Norstad: “The 16 years from 1966 through 1981 were indeed a period when stocks went nowhere (actually less than nowhere – they went backwards). Using the “Fama/French Factors” data at Ken French’s web site for the total stock market (not just large caps), the total return in...
by pkcrafter
Thu Jun 20, 2019 10:25 am
Forum: Personal Investments
Topic: Getting out of Edward Jones "Guided Solutions" Account
Replies: 5
Views: 914

Re: Getting out of Edward Jones "Guided Solutions" Account

I signed up for the SIMPLE through work. I told the adviser at EJ what I wanted to change the portfolio holdings to. 3% match I'm still not sure I understand this. I'm not sure an advisor at EJ would have any control over your SIMPLE unless you signed something that permitted it. ...directed my adv...
by pkcrafter
Wed Jun 19, 2019 8:09 pm
Forum: Personal Investments
Topic: Vanguard?
Replies: 48
Views: 3384

Re: Vanguard?

I just downloaded jack bogel book. Initiated first transfer today by opening the fluid market account with vanguard, getting rollover papers from Oppenheimer, and arranging my employer to sign the transfer. I will mail those off next week. I’m steering clear of my advisor for now I closed the expen...
by pkcrafter
Wed Jun 19, 2019 11:11 am
Forum: Personal Investments
Topic: Getting out of Edward Jones "Guided Solutions" Account
Replies: 5
Views: 914

Re: Getting out of Edward Jones "Guided Solutions" Account

Hello all, I work for a small business (25 employees) that is gracious enough to offer a SIMPLE IRA through Edward Jones with an employer match. When I became eligible to open this account in June 2018, I was perhaps a bit excited to begin contributing, and went to the Edward Jones office to sign t...
by pkcrafter
Wed Jun 19, 2019 10:17 am
Forum: Personal Investments
Topic: Vanguard?
Replies: 48
Views: 3384

Re: Vanguard?

Welcome Rebus, You are new to all this, so go slow and develop a plan before starting. For instance, most investors consider both husband and wife's accounts as one portfolio. If you do that, then you should consider your overall asset allocation to stocks and non-stocks as one unified portfolio. Do...
by pkcrafter
Tue Jun 18, 2019 10:54 am
Forum: Investing - Theory, News & General
Topic: Why do large personal portfolios include bonds?
Replies: 145
Views: 9527

Re: Why do large personal portfolios include bonds?

willthrill81 wrote:
Mon Jun 17, 2019 11:04 pm
pkcrafter wrote:
Mon Jun 17, 2019 5:34 pm
Risk is not having the money for something important when you need it.
:thumbsup I 10,000% agree.

Volatility is not risk.
Volatility is not risk in the long term, but it can be in the short term.
by pkcrafter
Mon Jun 17, 2019 5:34 pm
Forum: Investing - Theory, News & General
Topic: Why do large personal portfolios include bonds?
Replies: 145
Views: 9527

Re: Why do large personal portfolios include bonds?

kfitz1313: However if their portfolio were much larger such that a 50% drop would still not affect the $40K withdrawal then why have any bonds at all? Do we truly understand "risk"? Risk is not having the money for something important when you need it . The problem is defining the time line between ...
by pkcrafter
Mon Jun 17, 2019 4:34 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads vs Hedgefunds [or vs. venture capital]
Replies: 33
Views: 2326

Re: Bogleheads vs Hedgefunds [or vs. venture capital]

Well, I just think. While it's nice to save funds for retirement, I'm 26 and that's not exactly my goal. People don't save (mutual) funds, they invest using mutual funds, which means they invest in a variety of companies, both American and foreign. My goal is to earn money and with the money I have...
by pkcrafter
Mon Jun 17, 2019 8:39 am
Forum: Personal Investments
Topic: Help me Built a Dividend Growth Investment Portfolio
Replies: 33
Views: 3705

Re: Help me Built a Dividend Growth Investment Portfolio

As I am approaching my retirement (about 10-12 yrs), I want to gradually develop a more conservative portfolio with both tax-free and taxable accounts. I would like to invest in more value-based equity earning dividends so I will have some monthly income down the road. Dividends are simply part of ...
by pkcrafter
Sun Jun 16, 2019 9:27 am
Forum: Personal Investments
Topic: Why are my Vanguard returns suddenly so low?
Replies: 34
Views: 4918

Re: Why are my Vanguard returns suddenly so low?

ThisJustIn wrote:
Sat Jun 15, 2019 8:51 pm
It's totally Vanguard's fault. Stock market volatility has nothing to do with it at all.
??

You gotta be joking. Doesn't help, the OP is already misinformed.
by pkcrafter
Fri Jun 14, 2019 9:30 am
Forum: Personal Investments
Topic: Deep out of Money Puts and LEAP Puts- What am I overlooking?
Replies: 29
Views: 2366

Re: Deep out of Money Puts and LEAP Puts- What am I overlooking?

Bogleheads, I invite constructive critiques and welcome honest feedback about buying deep out of the money puts and LEAPS puts. Why am I writing this? - To see if I am overlooking anything What are the specifics? - Very small part of portfolio (1-5%), commonly traded funds If you want to fool aroun...
by pkcrafter
Fri Jun 14, 2019 8:49 am
Forum: Personal Investments
Topic: Rebalance question
Replies: 9
Views: 927

Re: Rebalance question

Thank you all for your feedback. To be more specific, here is my current situation. Current assets = 180K (40K in company stock, and 140K in VANG IS TL STK MK IP). So roughly 20/80 split between those 2. I have already adjusted my future investments to be a 15% Bond, 35% Large Cap blend, 19% Small ...
by pkcrafter
Thu Jun 13, 2019 4:34 pm
Forum: Personal Investments
Topic: Rebalance question
Replies: 9
Views: 927

Re: Rebalance question

140K in VANG IS TL STK MK IP) Is everything--company stock and total stock market fund--in a 401k or other tax-deferred account? Do you have any IRAs or Roths? You might consider posting in this recommended format if you want more specific feedback. https://www.bogleheads.org/forum/viewtopic.php?f=...
by pkcrafter
Thu Jun 13, 2019 12:23 pm
Forum: Personal Investments
Topic: Rebalance question
Replies: 9
Views: 927

Re: Rebalance question

Welcome mjo, I am far too late in deciding to get serious about my portfolio mix, and honestly pretty novice when it comes to understanding how to go about this. I am 45 and single, and work for a large company. But I am behind on my retirement savings. The good news is that I can afford to throw a...
by pkcrafter
Thu Jun 13, 2019 10:01 am
Forum: Personal Investments
Topic: small company 401k
Replies: 7
Views: 616

Re: small company 401k

Information of small company 401k options. 401k plans for small business https://www.dol.gov/sites/default/files/ebsa/about-ebsa/our-activities/resource-center/publications/401k-plans-for-small-businesses.pdf Best small business 401k providers https://www.forusall.com/401k-blog/who-are-the-best-401k...
by pkcrafter
Wed Jun 12, 2019 9:25 am
Forum: Personal Investments
Topic: My Retirement "Catch Up" plan. Please help/critique.
Replies: 23
Views: 3243

Re: My Retirement "Catch Up" plan. Please help/critique.

Steven, if you feel like your behind, be sure you are saving/investing at least 15%-18% of income in your long term plan. Don't focus on dividends, it's total return that matters. Also, create an emergency fund if you don't have one now. Investing in a taxable account https://www.whitecoatinvestor.c...
by pkcrafter
Tue Jun 11, 2019 5:31 pm
Forum: Investing - Theory, News & General
Topic: Can you help me understand this paper? Factor premia by Scot & Cavaglia
Replies: 4
Views: 557

Re: Can you help me understand this paper? Factor premia by Scot & Cavaglia

Thanks for posting this information. Here's a bit more. This paper confirms the importance for investors to be exposed to certain factor premia (value, size, momentum, quality). In fact, it shows that an equal allocation to these four premia on top of a global equity portfolio: 1) enhances the proba...
by pkcrafter
Tue Jun 11, 2019 9:47 am
Forum: Personal Investments
Topic: Individual Investment - Please help
Replies: 19
Views: 800

Re: Individual Investment - Please help

Hi All, I am a 28-year old that will be moving across the country to California at the start of 2020. I currently work as a Federal Account Manager for a large tech business, but I will be leaving this job to pursue another field. I'm just trying to figure out if there's any advice to how to handle...
by pkcrafter
Mon Jun 10, 2019 6:04 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Three Fund Portfolio Question for Retired Bogleheads
Replies: 7
Views: 1479

Re: Vanguard Three Fund Portfolio Question for Retired Bogleheads

For retired Bogleheads that only have the standard Vanguard 3 Fund portfolio (VTSAX, VBTLX, VTIAX) and S.S. - (no pensions). I am interested to know: are you living off of just the dividends and interest only, or just withdrawing from your portfolio or a combination of both? Dividends are just part...
by pkcrafter
Mon Jun 10, 2019 5:48 pm
Forum: Investing - Theory, News & General
Topic: Info request on your withdrawals in retirement
Replies: 13
Views: 1761

Re: Info request on your withdrawals in retirement

4nursebee, I don't really understand what collecting data from other people is going to do for you. I think you would be much better off posting your information and reviewing the replies. Meeting with an advisor on a one time basis is a good idea, because he will create a plan, but it's rather expe...
by pkcrafter
Mon Jun 10, 2019 4:25 pm
Forum: Investing - Theory, News & General
Topic: Perpetual Withdrawal Rates for 18 Portfolios
Replies: 50
Views: 4860

Re: Perpetual Withdrawal Rates for 18 Portfolios

Interesting work, Klaus. Now I wonder what do your portfolios look like in these two periods posted by John Norstad? “The 16 years from 1966 through 1981 were indeed a period when stocks went nowhere (actually less than nowhere – they went backwards). Using the “Fama/French Factors” data at Ken Fren...
by pkcrafter
Mon Jun 10, 2019 3:29 pm
Forum: Investing - Theory, News & General
Topic: Insights From a Long Call With Vanguard Reps Today
Replies: 74
Views: 11997

Re: Insights from Vanguard

bondsr4me, I asked if we could come & take the Vg reps to lunch. They thanked me, but said their ethics policy wouldn't allow it. So, we settled for a face-to-face in a conference room at their place. I took the whole family! Was perhaps the best investment meeting we've ever had. I cannot say enou...
by pkcrafter
Mon Jun 10, 2019 2:46 pm
Forum: Investing - Theory, News & General
Topic: AA : willingness, ability, need
Replies: 24
Views: 1835

Re: AA : willingness, ability, need

I have been reading a bit lately and trying to come up with a suitable AA. Most recommend AA should be based on the ability, willingness and need to take risk. I understand ability and willingness clearly, but having a hard time understanding “need”. The "need" is essentially defined as how much re...
by pkcrafter
Sun Jun 09, 2019 5:06 pm
Forum: Investing - Theory, News & General
Topic: What percentage of time does 100% stocks win?
Replies: 52
Views: 6526

Re: What percentage of time does 100% stocks win?

John Norstand answers in this thread https://www.bogleheads.org/forum/viewtopic.php?t=78230 “The 16 years from 1966 through 1981 were indeed a period when stocks went nowhere (actually less than nowhere – they went backwards). Using the “Fama/French Factors” data at Ken French’s web site for the tot...
by pkcrafter
Sun Jun 09, 2019 4:29 pm
Forum: Personal Investments
Topic: why are Small Caps falling?
Replies: 113
Views: 9320

Re: why are Small Caps falling?

stocknoob4111 wrote:
Thu Jun 06, 2019 3:42 pm
Just curious as to why Small Caps are falling when the rest of the market is going up?
Because that's what they do...... sometimes. :shock:

Paul
by pkcrafter
Sun Jun 09, 2019 3:55 pm
Forum: Personal Investments
Topic: 3 fund portfolio vs. target date index funds
Replies: 2
Views: 536

Re: 3 fund portfolio vs. target date index funds

I'm debating over which one to invest my Roth IRA money in. I like the 3 fund portfolio idea, especially since it keeps fees low, and keeps the portfolio pretty simple and straight forward, but target date index funds seem like the same thing (fees are low as well), just with about twice as many fu...
by pkcrafter
Sun Jun 09, 2019 10:35 am
Forum: Personal Investments
Topic: VTSAX or VTWAX over the next 35 years?
Replies: 173
Views: 17661

Re: VTSAX or VTWAX over the next 35 years?

Bogleheads are such ironic beasts sometimes: Bogleheads in general: past performance doesn't predict future returns! VTSAX proponents: USA has outperformed international for a long time. See chart. VTWAX proponent: you can't use past performance! Look at this chart of economies over the past centur...
by pkcrafter
Sat Jun 08, 2019 6:42 pm
Forum: Personal Investments
Topic: How to find a reputable, fee-only advisor?
Replies: 14
Views: 1413

Re: How to find a reputable, fee-only advisor?

How to choose an advisor--

https://investingroadmap.wordpress.com/ ... n-advisor/

Scroll down to Factors to Evaluate When Looking for an Advisor


Paul
by pkcrafter
Sat Jun 08, 2019 1:15 pm
Forum: Personal Investments
Topic: Guaranteed income stream options?
Replies: 14
Views: 1107

Re: Guaranteed income stream options?

My 50 yr brother (he is single) and has expenses of 50K/annum. He has 1M in savings and has put in high interest saving account (2.3%). He is looking to retire now for spiritual reasons. To cover his expenses he is looking for 5% tax free guaranteed income. He is willing to invest this money for up...
by pkcrafter
Sat Jun 08, 2019 12:40 pm
Forum: Personal Investments
Topic: Investing as a soon-to-be 21 year old
Replies: 26
Views: 1119

Re: Investing as a soon-to-be 21 year old

Welcome, Greetings all! Currently I am 20 years old, and I turn 21 this September. I need advice and help on investing and setting myself up for the future. Ive been working since I was 16, however I haven't saved a whole lot of money. I tried my hand at day trading, and lost 30% of my portfolio and...
by pkcrafter
Thu Jun 06, 2019 6:44 pm
Forum: Personal Investments
Topic: This market just scares me...
Replies: 43
Views: 4161

Re: This market just scares me...

Hey guys, I'm going to sound a little like an idiot here, but here goes... Over the last six months, I'm made it priority to take a more active role in my investments. I've - Read the two Bogleheads investing books - Decided on a 60/40 AA - Moved all my money from Betterment to Fidelity to start ma...
by pkcrafter
Wed Jun 05, 2019 5:28 pm
Forum: Personal Investments
Topic: Tax Managed Balanced Fund -- PLEASE HELP
Replies: 22
Views: 2192

Re: Tax Managed Balanced Fund -- PLEASE HELP

I am now realizing that I can get a better after-tax return in a taxable bond fund at my tax rate. Tax-managed balanced returned 8.87% over the past 10 years and it is pretty tax efficient Maybe you mean you can get more tax-efficiency and a better return by holding a tax-efficient stock fund like t...
by pkcrafter
Wed Jun 05, 2019 5:07 pm
Forum: Personal Investments
Topic: Help with taking control of investments/moving to online brokerage
Replies: 5
Views: 373

Re: Help with taking control of investments/moving to online brokerage

However, over half our investments with NW mutual (around 1.3 MM) are in a taxable account. What is the best way to go about transferring these funds while avoiding adverse tax consequences (capital gains, etc)? They are not mutual funds at NW mutual. They are an alphabet soup of high fee funds tha...
by pkcrafter
Wed Jun 05, 2019 10:57 am
Forum: Personal Investments
Topic: DCA on the way out, too? Even towards a conservative AA?
Replies: 13
Views: 920

Re: DCA on the way out, too? Even towards a conservative AA?

What is your current equity-heavy allocation? What are you thinking for your new conservative allocation? I yanked off the band aid yesterday. I'm moving into the bond index fund at Vanguard. I think you've done the right thing. You have gone from 88% stock to 60%? You are 58? When do you plan to r...
by pkcrafter
Wed Jun 05, 2019 9:41 am
Forum: Personal Investments
Topic: Hidden Fees? Can You Help Me Find Them?!
Replies: 28
Views: 2078

Re: Hidden Fees? Can You Help Me Find Them?!

kmwilson, as explained, expense ratios are taken daily and the returns you see are after the expense ratio is deducted, so ER isn't an issue. If you still can't explain where some money is going, it's due to other fees imposed by the 457 plan. There is another issue you have to watch, and that is se...
by pkcrafter
Tue Jun 04, 2019 12:31 pm
Forum: Investing - Theory, News & General
Topic: Excellent Larry Swedroe Podcast Interview: Factors For The Long Run
Replies: 337
Views: 17409

Re: Excellent Larry Swedroe Podcast Interview: Factors For The Long Run

Thank you Rick! 1. Over 80% of Bogleheads should not/could not hold a factor-constructed portfolio. You must hold for lengthy periods of underperformance, deal with lots of tracking error, higher costs, etc. Finally, factor investing is not Boglehead investing. If factor investing gets too popular, ...
by pkcrafter
Tue Jun 04, 2019 9:33 am
Forum: Personal Investments
Topic: 401K help for family
Replies: 3
Views: 419

Re: 401K help for family

My family member has recently started a career in Ohio and he's looking for some guidance on a simple AA on his Fidelity 401K that will require minimal upkeep so he had me check out his options. He's currently 29 years old and will be contributing the max to take advantage of any company match. He ...
by pkcrafter
Mon Jun 03, 2019 6:24 pm
Forum: Personal Investments
Topic: Does an Advisors AUM fee also include assets in your 401k that they advise on?
Replies: 24
Views: 2049

Re: Does an Advisors AUM fee also include assets in your 401k that they advise on?

I can't imagine an advisor tacking on an AUM to money in a 401k (unless they work for the 401k plan itself). Perhaps I'm naive. jg, I agree with you but... My mother in law went with a 1% AUM advisor for her inherited assets and also her 401k. My question is would the 401k which the advisor doesn't...
by pkcrafter
Mon Jun 03, 2019 6:08 pm
Forum: Investing - Theory, News & General
Topic: Two books coming in.
Replies: 12
Views: 1869

Re: Two books coming in.

Both those Bernstein books are worth reading eventually, but I wouldn’t rush to read them now. If you’ve read Bernstein’s If You Can , I’d continue on with the book recommendations in there. The Millionaire Next Door was first (which you’ve read), next up is John Bogle’s Common Sense on Mutual Fund...
by pkcrafter
Mon Jun 03, 2019 1:23 pm
Forum: Investing - Theory, News & General
Topic: How did you all do in the month of May, 2019
Replies: 125
Views: 9774

Re: How did you all do in the month of May, 2019

yousha wrote:
Fri May 31, 2019 8:54 pm
My portfolio was down 50k.
Yousha, this doesn't mean anything without context. Total stock market was down 6.43% for month of May.

Paul
by pkcrafter
Mon Jun 03, 2019 9:19 am
Forum: Personal Investments
Topic: Can't do this alone-need a financial planner-please help!
Replies: 17
Views: 3238

Re: Can't do this alone-need a financial planner-please help!

Welcome, yes it can seem overwhelming at first, but you certainly can learn what to do. No one is more responsible for your money than you. You have to at least know if someone is trying to take advantage of you. hi, i've just started reading bogleheads and taylor larimore's book and i KNOW: Good, s...
by pkcrafter
Sat Jun 01, 2019 3:28 pm
Forum: Personal Investments
Topic: I Need Advice Fixed-Income Portion ($ 3 million total Taxable Account)
Replies: 5
Views: 831

Re: I Need Advice Fixed-Income Portion ($ 3 million total Taxable Account)

Hello dear wise people on this forum, I need advice on the fixed income portion of my life savings which I want to invest in my taxable account, via a three-fund portfolio concept (VTI/VXUS/FIXED INCOME). I allocated one third of this to fixed income (I am mid-50s and retired). Initially I was goin...
by pkcrafter
Sat Jun 01, 2019 9:26 am
Forum: Personal Investments
Topic: I Need Advice Fixed-Income Portion ($ 3 million total Taxable Account)
Replies: 5
Views: 831

Re: I Need Advice Fixed-Income Portion ($ 3 million total Taxable Account)

TNOA, I've read all of your posts, so I'm going to begin with asset allocation and accounts. You might consider using this format if you want more and better replies. https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 What percent of all retirement assets will you need to withdraw annually fo...
by pkcrafter
Sat Jun 01, 2019 8:51 am
Forum: Personal Investments
Topic: Is an emergency just mental accounting?
Replies: 70
Views: 5658

Re: Is an emergency just mental accounting?

Maybe we are looking at this backwards. One definition of investing risk is not having the money for something important when you need it. To me that means you should have some money available that is not tied to investments because something may come up were you need money and it isn't quickly acce...
by pkcrafter
Fri May 31, 2019 7:43 pm
Forum: Personal Investments
Topic: Buying/ Rebalancing Questions
Replies: 2
Views: 257

Re: Buying/ Rebalancing Questions

:thumbsup

Paul
by pkcrafter
Fri May 31, 2019 4:40 pm
Forum: Personal Investments
Topic: Vanguard Index funds
Replies: 8
Views: 1326

Re: Vanguard Index funds

Welcome,

Take a look at the 3 fund portfolio,

viewtopic.php?f=10&t=88005

Also, Getting Started,

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


Paul
by pkcrafter
Fri May 31, 2019 4:36 pm
Forum: Personal Investments
Topic: Ultimate Buy and Hold...thoughts?
Replies: 38
Views: 6109

Re: Ultimate Buy and Hold...thoughts?

I don't follow Merriman's strategies, but they make some sense and he does do some good for many investors ,and I respect him. He's always touted the 12% return and this is how he figures it. Scroll down and you will see the article... https://paulmerriman.com/realistic-expect-12-long-term-return/ P...
by pkcrafter
Fri May 31, 2019 2:01 pm
Forum: Investing - Theory, News & General
Topic: Get Ready - Four Things To Do Before You Retire
Replies: 3
Views: 964

Re: Get Ready - Four Things To Do Before You Retire

adamthesmythe wrote:
Fri May 31, 2019 1:29 pm
4 things are, I guess, somewhere in the 28 pages.
Article starts on Pg 6.

Paul