Search found 12948 matches

by pkcrafter
Tue Sep 25, 2018 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: How to create good ETF Portfolio?
Replies: 2
Views: 67

Re: How to create good ETF Portfolio?

Welcome, Is the 5k earned income? If so, you can open an IRA or Roth IRA at Fidelity and buy a Fidelity Freedom Index fund--something like Fidelity Freedom Index 2030, which is very close to 75% equity/25% bond (75/25). I wouldn't go much higher than that in equity when just starting out. The Freedo...
by pkcrafter
Mon Sep 24, 2018 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing/modifying a portfolio
Replies: 6
Views: 544

Re: Rebalancing/modifying a portfolio

Greetings everyone, My current portfolio is: 60% Vanguard Total Stock Mkt Idx Adm (VTSAX) 40% Vanguard Total Intl Stock Lx Admiral (VTIAX) I have this portfolio for the last 4 years and now I just want to lower my international exposure to 20%. That means, transferring the 20% from VTIAX to VTSAX. ...
by pkcrafter
Mon Sep 24, 2018 9:32 am
Forum: Investing - Help with Personal Investments
Topic: Preparing for My First Recession?
Replies: 41
Views: 3562

Re: Preparing for My First Recession?

Yes, you're thinking of market timing. The real problem here is a bad choice on your original asset allocation. Allocation adjustment is OK here, but keep in mind when you do it never go back to 100% stock. Most long time members here will recommend 80% max in equity. Never forget the stock market r...
by pkcrafter
Sun Sep 23, 2018 7:26 pm
Forum: Investing - Help with Personal Investments
Topic: Emotional Investor - I'm a mess and need help!
Replies: 75
Views: 5087

Re: Emotional Investor - I'm a mess and need help!

Thank you everyone. Your advice is truly priceless. From reading your posts I think I'm probably overthinking things too much. I know this is related to my personality of aiming for perfection and trying to find that strategy that will give me the best end result but the truth is as one of you said...
by pkcrafter
Sun Sep 23, 2018 5:52 pm
Forum: Investing - Help with Personal Investments
Topic: Personal investment plans
Replies: 13
Views: 902

Re: Personal investment plans

Dear all, I am brand new on here so please forgive me if my question is amateur or even stupid to some of you. I am a huge fan of Jack Bogles books which I have to admit I stumbled across by chance after reading one of Tony Robbins books on wealth. My question is can anyone advise me on a tool / re...
by pkcrafter
Sun Sep 23, 2018 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: Emotional Investor - I'm a mess and need help!
Replies: 75
Views: 5087

Re: Emotional Investor - I'm a mess and need help!

Hello everyone. This email is long overdue from me and I finally found the guts and time to write it. I appreciate this forum and all those who spend precious time helping others with investment advice. Here's my story I am a 40-year old physician relatively well to do with about 300k to invest a y...
by pkcrafter
Sat Sep 22, 2018 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: New to Investing, I feel lost
Replies: 43
Views: 1906

Re: New to Investing, I feel lost

Health insurance? Car insurance? Also, I am seeing someone, and she likes to cook things for me, so my food money stretches even further. Uh-huh. Well, things may change around your place some day. :wink: Anyway, getting back to investing, we need to see a list of funds available from Fidelity inclu...
by pkcrafter
Fri Sep 21, 2018 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: Out of Market
Replies: 23
Views: 3297

Re: Out of Market

Never thought I would walkway from the market but at the age of 78 with health issues I decided to maintain about 10% of my assets in stocks (currently own) and another 10% in high rated corporate bonds (currently own) yielding 4-5%. 10% in stocks won't keep up with rising costs. What high rated bo...
by pkcrafter
Fri Sep 21, 2018 2:40 pm
Forum: Investing - Help with Personal Investments
Topic: Investing my first million
Replies: 36
Views: 5165

Re: Investing my first million

Hello there, Welcome to the forum. Best to ramp up on the learning curve before starting out. That way you can do it right the first time. :happy Getting started: https://www.bogleheads.org/wiki/Getting_started I'm new to this forum (and to investing in general) so pardon me in advance for any rook...
by pkcrafter
Fri Sep 21, 2018 2:03 pm
Forum: Investing - Help with Personal Investments
Topic: One thing I dislike about TDFs
Replies: 20
Views: 853

Re: One thing I dislike about TDFs

What does "global market weight"mean? Does it mean that US equities make up about 50% of the global market? Global market -- https://investor.vanguard.com/mutual-funds/profile/portfolio/vhgex Yes, nobody much likes too much international in TR funds or in any portfolio right now , but diversificati...
by pkcrafter
Fri Sep 21, 2018 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio with 3.2% Yield
Replies: 16
Views: 2203

Re: Portfolio with 3.2% Yield

My current 401(K) is in a Fidelity Target fund and I am not happy with their expense ratio and also the active funds within it. I am moving to a new job next month and they have Vanguard funds in their plan. I am thinking of the below allocations. VWINX - Vanguard Wellesley Income Fund - 34% VHDYX ...
by pkcrafter
Fri Sep 21, 2018 12:14 pm
Forum: Investing - Help with Personal Investments
Topic: should I invest it all now?
Replies: 7
Views: 1091

Re: should I invest it all now?

Welcome LFM Hi everyone! I am new here and to this way of thinking. I have lost over $250,000 over the course of my life trying to BEAT the market but instead got Beat up... SO ITS A RELIEF TO FIND MR BOGLE AND THE BOGLEHEADS!! I have two questions that I would really appreciate input on. First one ...
by pkcrafter
Wed Sep 19, 2018 11:39 pm
Forum: Investing - Help with Personal Investments
Topic: It seems simplke bot of course not! Benchmarking ...
Replies: 14
Views: 743

Re: It seems simplke bot of course not! Benchmarking ...

... You still have not posted your portfolio ... Paul Paul … I might have messed up by starting a second thread on this general idea of benchmarking. In my original thread I posted my portfolio as it is currently constructed and the additional options I have (very few for sure). Also, When I figure...
by pkcrafter
Wed Sep 19, 2018 11:32 pm
Forum: Investing - Help with Personal Investments
Topic: So new to all this it hurts!
Replies: 27
Views: 3391

Re: Maybe I'm overthinking this ...

Is there any sense in thinking that international funds are not such a good thing now because of all the financial issues? Or is that a lot like market-timing in that you don't know what is going to happen … so cover all the bases? Duckie and Kenkat have provided the fund choices that most all Bogl...
by pkcrafter
Wed Sep 19, 2018 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: It seems simplke bot of course not! Benchmarking ...
Replies: 14
Views: 743

Re: It seems simplke bot of course not! Benchmarking ...

I have a 401(k) with Fidelity and I called them today. My question was very simple … over the past 5 years what has been the performance of my fully managed account … because 5 years ago I switched to this because I had no clue. She told me the 401(k) is up 11.36% over 1 year, 9.95% over 3 years an...
by pkcrafter
Wed Sep 19, 2018 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: What can go wrong in shorting Tilray, and can EU investors short it (and how?)
Replies: 29
Views: 1253

Re: What can go wrong in shorting Tilray, and can EU investors short it (and how?)

Lauretta, you should go look at your investing strategy and investment policy statement and see if you really are a Boglehead or not.

Paul
by pkcrafter
Wed Sep 19, 2018 1:11 pm
Forum: Investing - Help with Personal Investments
Topic: any opinions of this fund? Vanguard Dividend Growth (VDIGX)
Replies: 15
Views: 1184

Re: any opinions of this fund? Vanguard Dividend Growth (VDIGX)

This fund has been closed to new investors for quite some time. The expense ratio is .26% My wife's has about $130,000 in her tIRA in it and I'm wondering if there is a better place to put that money. Maybe move it to Total Stock Market Index? She is currently 53 years old. I am 10 years older and ...
by pkcrafter
Wed Sep 19, 2018 11:48 am
Forum: Investing - Help with Personal Investments
Topic: Dollar cost average funds being transferred to new retirement account?
Replies: 25
Views: 1603

Re: Dollar cost average funds being transferred to new retirement account?

Dollar cost averaging is only for new money, and it it's pretty much a psychological play. Money already in the market should just be transferred with as little time out of the market as possible. When transferring tax-advantaged accounts, use a custodian to custodian direct transfer. These are init...
by pkcrafter
Tue Sep 18, 2018 6:22 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Advisor suggesting 7 Bond funds for my 40%
Replies: 44
Views: 5187

Re: Vanguard Advisor suggesting 7 Bond funds for my 40%

Why bonds. In the last 10 years what would you have made. I'm 5% mm and 95% in stocks In the last 10 years I'm up 15% per year. Why would a 10 year bull market be a useful time frame for deciding why bonds? Bonds: because the market doesn't always go up for 10 years. Benjamin Roth, The Great Depres...
by pkcrafter
Tue Sep 18, 2018 4:51 pm
Forum: Investing - Help with Personal Investments
Topic: Balanced Index Fund asset turn over on 8/31/18
Replies: 1
Views: 403

Re: balanced index bonds

Using the Vanguard portfolio tool I noticed that the composition of the bond portion of my Balanced index fund has significantly increased its short term percentage. Update: I called Vanguard and they said there has been no bond changes in either vbtlx or vbiax, however they could not explain why m...
by pkcrafter
Mon Sep 17, 2018 7:55 pm
Forum: Investing - Theory, News & General
Topic: Chasing Mutual Fund Performance - Follow the Momentum?
Replies: 5
Views: 485

Chasing Mutual Fund Performance - Follow the Momentum?

Article some of you will probably like. From CFA Institute. We found the best-performing funds beat an equal-weight index of all equity mutual funds as well as the worst-performing funds by a handsome margin. Put another way: Performance chasing works. https://blogs.cfainstitute.org/investor/2018/09...
by pkcrafter
Mon Sep 17, 2018 6:38 pm
Forum: Investing - Help with Personal Investments
Topic: $20k Investment for 3-5 Years
Replies: 5
Views: 999

Re: $20k Investment for 3-5 Years

Total stock market lost 37% in 2008, VWAHX lost 14%. Vanguard's Lifestrategy income fund (20% stock) also lost 14% in 2008.

Paul
by pkcrafter
Mon Sep 17, 2018 12:44 pm
Forum: Investing - Help with Personal Investments
Topic: (No Savings) *Everything* in S&P 500?
Replies: 33
Views: 3794

Re: (No Savings) *Everything* in S&P 500?

Of course, he doesn't mind being 100% sp500. Outside of when he started investing when he had no money at stake the market has ONLY gone up. Would he have said the same thing if he started in 2000 through 2010 when the return was flat? I doubt it. This is the question I'd like to indirectly answer ...
by pkcrafter
Mon Sep 17, 2018 9:23 am
Forum: Investing - Help with Personal Investments
Topic: (No Savings) *Everything* in S&P 500?
Replies: 33
Views: 3794

Re: (No Savings) *Everything* in S&P 500?

Good to know risk is no longer a potential problem. Friend is violating several fundamentals rules of common sense investing. How much can he lose, 50%? No, maybe 80%-90%. Anyone want to sign up for that? Anyone comparing themselves to Warren Buffet needs a reality check. If the definition of risk i...
by pkcrafter
Sun Sep 16, 2018 6:33 pm
Forum: Investing - Help with Personal Investments
Topic: Am I "buying high" if I transfer stable value funds over to stock index fund now?
Replies: 26
Views: 1826

Re: Am I "buying high" if I transfer stable value funds over to stock index fund now?

LXEX, there is some important information missing in you post and that makes replies difficult. See below in blue. I will be retiring between December 1 of this year and March 30th of 2019, depending on whether my wife needs a medical procedure performed or not. As of now, my entire 401k money has b...
by pkcrafter
Sun Sep 16, 2018 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: Opinions on American Funds
Replies: 28
Views: 1870

Re: Opinions on American Funds

Hello all, I've traditionally been a passive index investor. My new job offers a Simple IRA through Wells Fargo Advisors. I met with the advisor yesterday to discuss options. She recommends American Funds for the fact that they have low expense ratios and fees similar to index funds, but are active...
by pkcrafter
Sat Sep 15, 2018 11:20 am
Forum: Investing - Help with Personal Investments
Topic: Daughter's 401k w/Edward Jones
Replies: 3
Views: 581

Re: Daughter's 401k w/Edward Jones

Daughter, aged 39, just starting 401k at job: it's at Edward Jones, employer matches - at least the hundred or so she puts in each month. She's got about 5K in it so far. The adviser put her in a Balanced fund that appears to be made up of a dozen or so EJ funds. I can only imagine the fees in that...
by pkcrafter
Fri Sep 14, 2018 10:46 pm
Forum: Investing - Help with Personal Investments
Topic: So new to all this it hurts!
Replies: 27
Views: 3391

Re: So new to all this it hurts!

Welcome to the forum I made it to 60 before I realized I should be a lot smarter. I think my question is very simple but I'm not able to tease it out by searching the forum! I have a 401(k) at work that is Fidelity Funds (I have no options with this). About 5 years ago I flipped to a managed accoun...
by pkcrafter
Fri Sep 14, 2018 4:12 pm
Forum: Investing - Help with Personal Investments
Topic: Planning to Contact Vanguard
Replies: 29
Views: 1786

Re: Planning to Contact Vanguard

What just happened here? What did the OP do wrong, what did we do wrong? I don't think it was intended, but an edge came though.


Paul
by pkcrafter
Fri Sep 14, 2018 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: 40/60 allocation returns ytd
Replies: 24
Views: 2602

Re: 40/60 allocation returns ytd

It is just a down year, I wonder how many of us that are active on here just started investing in the last 10 years.. I started pretty much early last year.. If so then we have seen the last 10 years having outstanding performance, and I think people are forgetting this is a long game idea.. Not ju...
by pkcrafter
Fri Sep 14, 2018 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: 3 fund vs EJ
Replies: 16
Views: 997

Re: 3 fund vs EJ

Find out the front end loads and fees EJ is charging. They're not very transparent. http://kronstantinople.blogspot.com/p/edward-jones-saga.html Well he is not with EJ anymore so he is not paying any of the advisor fees. He will still pay a front end load but that doesn't seem to phase him as much ...
by pkcrafter
Fri Sep 14, 2018 2:40 pm
Forum: Investing - Help with Personal Investments
Topic: 40/60 allocation returns ytd
Replies: 24
Views: 2602

Re: 40/60 allocation returns ytd

It is just a down year, I wonder how many of us that are active on here just started investing in the last 10 years.. I started pretty much early last year.. If so then we have seen the last 10 years having outstanding performance, and I think people are forgetting this is a long game idea.. Not ju...
by pkcrafter
Fri Sep 14, 2018 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: How to overcome regrets/fears?
Replies: 15
Views: 1440

Re: How to overcome regrets/fears?

Thanks for the links :D Wow didn't know that about the lawsuits. Yea nearly all my funds are class A. All my equity options are class A but one "open class"? still 1.06% The bonds are class A or a class R4? I mentioned that class A front end loads (commission) are normally waived in 401k plans, so ...
by pkcrafter
Fri Sep 14, 2018 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: How to overcome regrets/fears?
Replies: 15
Views: 1440

Re: How to overcome regrets/fears?

Chris, investing is for the looooong term, in your case maybe 30 more years working and another 30 years in retirement, therefore, listening to daily "noise" is a total waste of time. Buy the market and spend your time doing something else. The big picture, Chris. I also saw in an earlier post you w...
by pkcrafter
Fri Sep 14, 2018 11:05 am
Forum: Investing - Help with Personal Investments
Topic: 40/60 allocation returns ytd
Replies: 24
Views: 2602

Re: 40/60 allocation returns ytd

Lifestrategy conservative (40/60) is up 1.21%, but I would not worry about this. Wellesley is a good fund and you should continue to hold.

Vanguard total bond is down -1.55

LS Moderate is 60/40.

Paul
by pkcrafter
Fri Sep 14, 2018 12:27 am
Forum: Investing - Help with Personal Investments
Topic: Index allocation question.
Replies: 13
Views: 739

Re: Index allocation question.

From 1988 to now, extended market has slightly beaten S&P500. Small cap has slightly outperformed both. This trend has continued, but for the last 8 years, the S&P500 has slightly beaten both. This is characteristic of smaller cap performance--some periods of not providing the premium. In the grand ...
by pkcrafter
Thu Sep 13, 2018 10:12 pm
Forum: Investing - Help with Personal Investments
Topic: Frozen In Place - Buying a Home - Don't know what to do
Replies: 13
Views: 931

Re: Frozen In Place - Buying a Home - Don't know what to do

Thanks btenny... I was hoping for a high level view on this without going into detail... that is, as a percentage of overall assets, if 20% for a home seemed reasonable to those with the smarts on this board. Again, I am living within my means... expenses are less than revenue. Agcentral, you now h...
by pkcrafter
Wed Sep 12, 2018 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: Hypothetical Question - Market Timing
Replies: 43
Views: 2418

Re: Hypothetical Question - Market Timing

Whoa, ya I did the math wrong on those scenarios. Thanks for pointing that out. It’s late here in Texas :) I appreciate the feedback. The more I think about it, the more I’m leaning towards a 60/40 type portfolio until the next recession hits. Then I can just rebalance my account to my desired 90/1...
by pkcrafter
Wed Sep 12, 2018 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: Planning to Contact Vanguard
Replies: 29
Views: 1786

Re: Planning to Contact Vanguard

I spelled Vanguard incorrectly in the title of my post. Duh. :oops: Hi J, You can go back and edit the title by going to your post and then clicking on the pencil image. I don't know the answer to your question, but I guess you could try calling Vanguard. I will say your feelings are normal because...
by pkcrafter
Wed Sep 12, 2018 11:05 am
Forum: Investing - Help with Personal Investments
Topic: Help with my new Vanguard Roth IRA
Replies: 5
Views: 678

Re: Help with my new Vanguard Roth IRA

Welcome Chris, First thing, consider all retirement accounts as one portfolio and maintain your target asset allocation in total. VOO is S&P 500, so it matters what's in all your other accounts such as 401k. What target date funds are you holding? Funds are fine and Vanguard's target date funds have...
by pkcrafter
Tue Sep 11, 2018 10:42 am
Forum: Investing - Help with Personal Investments
Topic: RMD will turn 70 in Nov. 2018
Replies: 22
Views: 1741

Re: RMD will turn 70 in Nov. 2018

Income tax withheld from IRA distributions can reduce/eliminate the need to make estimated tax payments. I take my RMD distribution late in the year, withhold (federal) tax for the entire year, and don't make estimated federal payments for the first three quarters. (You can also withhold state taxe...
by pkcrafter
Tue Sep 11, 2018 8:28 am
Forum: Investing - Help with Personal Investments
Topic: RMD will turn 70 in Nov. 2018
Replies: 22
Views: 1741

Re: RMD will turn 70 in Nov. 2018

Shelly, you won't turn 70-1/2 until 2019 so that is the year for first distribution. However, in the first year, you have the option of waiting until up to April 1 of 2020 to make the first distribution. If you do that then you have to take two distributions in 2020 and that means a lot more money w...
by pkcrafter
Mon Sep 10, 2018 6:35 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Article on Volatility
Replies: 3
Views: 555

Vanguard Article on Volatility

New Vanguard article (8/24/18) on volatility and how to handle it. Readers were asked for feedback and several hundred replied. I wonder how many were Bogleheads. I don't think this was posted earlier. https://vanguardblog.com/2018/08/24/vanguard-investors-share-advice-for-weathering-market-volatili...
by pkcrafter
Sun Sep 09, 2018 11:07 pm
Forum: Investing - Help with Personal Investments
Topic: Lower Return Decade Says Jack: Thoughts?
Replies: 81
Views: 6572

Re: Lower Return Decade Says Jack: Thoughts?

Just read Jack Bogle's book (edited in 2017) and was a little discouraged about his comments that we should all expect lower returns in the next decade. I guess if there is a decade of abnormally higher returns, then you might expect lower than average returns, but what do you do about it? Nothing....
by pkcrafter
Sun Sep 09, 2018 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: What are the impacts of having these ETF/FUND in Portfolios?
Replies: 2
Views: 311

Re: What are the impacts of having these ETF/FUND in Portfolios?

RIMD, take a look at M*. Plug the ticker in the box at the top of the page. Look at portfolio, which gives duration and bond quality. Look at Rating and Risk, performance, and chart. With chart, you can add another fund to see performance and volatility. None are tax-efficient. http://portfolios.mor...
by pkcrafter
Sun Sep 09, 2018 4:24 pm
Forum: Investing - Theory, News & General
Topic: Why Bull Markets Are Dangerous
Replies: 152
Views: 16991

Re: Why Bull Markets Are Dangerous

quote="Random Walker" post_id=4110679 time=1536523662 user_id=280] Regarding dog years and time dilation, It’s easy to look at graphs of the market over decades, appreciate the overall trend, and think the little downward blips don’t look so bad. But those blips are frequently years in length. When ...
by pkcrafter
Sun Sep 09, 2018 2:00 pm
Forum: Investing - Theory, News & General
Topic: Why Bull Markets Are Dangerous
Replies: 152
Views: 16991

Re: Why Bull Markets Are Dangerous

Thanks Rick, posting this was a great reality check. Most investors do get swept up in the thrill of good returns and the agony of big losses. Investors also have every short time frames, they think in dog years. :happy Paul Just read recent Cliff Asness essay referenced above. What you call dog ye...
by pkcrafter
Sat Sep 08, 2018 10:26 pm
Forum: Investing - Theory, News & General
Topic: Why Bull Markets Are Dangerous
Replies: 152
Views: 16991

Re: Why Bull Markets Are Dangerous

Thanks Rick, posting this was a great reality check. Most investors do get swept up in the thrill of good returns and the agony of big losses. Investors also have every short time frames, they think in dog years. :happy

Paul
by pkcrafter
Sat Sep 08, 2018 10:10 pm
Forum: Investing - Help with Personal Investments
Topic: Newly retired - need to make a big change
Replies: 51
Views: 10071

Re: Newly retired - need to make a big change

Right, the most important thing an advisor learns is to be your best buddy an gain your trust. Ha-ha. You have to know when you are being schmoozed!


Paul
by pkcrafter
Sat Sep 08, 2018 8:35 pm
Forum: Investing - Help with Personal Investments
Topic: [Retirement accounts locked by Vanguard, unable to convert Admiral funds to ETF]
Replies: 57
Views: 4168

Re: [Retirement accounts locked by Vanguard, unable to convert Admiral funds to ETF]

Vanguard does NOT want you out, but they will insist on proper procedure. They do want we out and please don't say that I lied. They want me out because I didn't put up with incompetence and didn't compliment their employees for being idiots. For instance, I ask for a check to be made payable to Sm...