Search found 12678 matches

by pkcrafter
Sun Jun 24, 2018 10:59 pm
Forum: Investing - Help with Personal Investments
Topic: Individual ETFs or all-in-one fund?
Replies: 2
Views: 240

Re: Individual ETFs or all-in-one fund?

Welcome to the forum. You haven't provided much information, for instance you say money needed in 10 years, is that retirement time or something else? It might be helpful if you edited this post and followed our suggested format. https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6211 I think the ...
by pkcrafter
Sun Jun 24, 2018 10:12 pm
Forum: Investing - Help with Personal Investments
Topic: IRA Investment Picks - Only One Fund?
Replies: 2
Views: 165

Re: IRA Investment Picks - Only One Fund?

vpm, your 401k pick is probably the best one, it is similar to the S&P500. Your bond choices, Fidelity Advisor Strategic Income and the stable value fund are not very good choices, but you may have to use one. Invest in the 401k up to the match if there is one, then IRA and taxable. When trying to b...
by pkcrafter
Sun Jun 24, 2018 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: Struggling - Seeking Advice to Get On Track
Replies: 90
Views: 4924

Re: Struggling - Seeking Advice to Get On Track

mhadden is correct, both small cap and mid cap have strong performance over the last year, but both are higher risk than the S&P500 or total market. These small cap funds are hit and miss and they could easily perform poorly for the next 5 years. Whenever you compare funds or portfolio you have to c...
by pkcrafter
Sun Jun 24, 2018 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: Struggling - Seeking Advice to Get On Track
Replies: 90
Views: 4924

Re: Struggling - Seeking Advice to Get On Track

If I sleep on it I will never make a change. Today I changed my employer 401k Before-Tax contributions from 6% to 12% I am still uncertain about the 2030 fund. What is its current YTD return ? Jack, you seem to have removed all information in your first post, so I'll have to just provide a few gene...
by pkcrafter
Sun Jun 24, 2018 8:32 am
Forum: Investing - Help with Personal Investments
Topic: "Never time the market" vs. lump sum investment
Replies: 57
Views: 3421

Re: "Never time the market" vs. lump sum investment

I suggested DCA only because the OP wanted to wait until there was a market drop. Why? Because he felt the current market was too high. That is a psychological block and DCA is really one way to get around that sort of block. From Vanguard's paper: But if the investor is primarily concerned with min...
by pkcrafter
Sat Jun 23, 2018 2:18 pm
Forum: Investing - Help with Personal Investments
Topic: "Never time the market" vs. lump sum investment
Replies: 57
Views: 3421

Re: "Never time the market" vs. lump sum investment

JoMoney wrote:
Thu Jun 21, 2018 11:05 am
It's just about guaranteed to NOT get you in at the absolute lowest price (I don't know anyone who knows how to do that)
Yeah, and I'll bet you don't know anyone who knows anyone who can do that. :happy

Paul
by pkcrafter
Sat Jun 23, 2018 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: Need 3% Steady Income from $1.1 Mil Nest Egg
Replies: 30
Views: 3894

Re: Need 3% Steady Income from $1.1 Mil Nest Egg

cameraman, I think you have received good feedback. Basically you can sustain a 3% withdrawal rate with a 40/60 portfolio. That will accommodate your "buckets," but I'm not a fan of buckets because it's simply a form of mental accounting--it's all coming from the same place. Balanced funds will comp...
by pkcrafter
Fri Jun 22, 2018 10:53 pm
Forum: Investing - Help with Personal Investments
Topic: Getting to Personal Investing 2.0
Replies: 2
Views: 623

Re: Getting to Personal Investing 2.0

Welcome to the forum. This is a bit hard to follow, but it looks like you are on the right track. Hi all! I just found Bogleheads within the past few weeks. Wish I'd known about it years ago, but, c'est la vie! I'm trying to take our investments from the very simple 1.0 level to a 2.0 level. Level ...
by pkcrafter
Fri Jun 22, 2018 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: American Funds 401k Advise
Replies: 39
Views: 2440

Re: American Funds 401k Advise

Kickstart, I have a feeling your boss had about as much knowledge of the plan as you did. It's the advisor who is responsible for a lack of information, and now I wonder what your boss is thinking. You are now forcing the advisor to do things he should have been doing all along. I think by the time ...
by pkcrafter
Thu Jun 21, 2018 11:53 pm
Forum: Investing - Help with Personal Investments
Topic: where to invest $150k while you are learning about investment
Replies: 4
Views: 455

Re: where to invest $150k while you are learning about investment

We need a little more information, for instance, do you have an employer plan. Please edit you first post (click on the pencil in the post) and then add info.

viewtopic.php?f=1&t=6212

Paul
by pkcrafter
Thu Jun 21, 2018 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: is Ed Jones always bad news?
Replies: 29
Views: 3210

Re: is Ed Jones always bad news?

is Ed Jones always bad news? My answer is yes. If some posters want to use EJ they should really understand the costs over time and decide if it's worth it. EJ charges a management fee of 1.35%, and then you have to add in the expense ratios of the funds you have. Using something like 0.65% for exp...
by pkcrafter
Thu Jun 21, 2018 1:18 pm
Forum: Investing - Help with Personal Investments
Topic: Feel like I'm sinking money into international
Replies: 43
Views: 3296

Re: Feel like I'm sinking money into international

.... Remember the buy low sell high mantra? :happy Of course, there's an opposing view explained by a Will Rogers quote that trend/momentum investors like: ... If it don't go up, don't buy it. Yeah, and if at least one of your investments isn't going down, you ain't diversified. notmyhand, go ahead...
by pkcrafter
Thu Jun 21, 2018 12:40 pm
Forum: Investing - Help with Personal Investments
Topic: Struggling - Seeking Advice to Get On Track
Replies: 90
Views: 4924

Re: Struggling - Seeking Advice to Get On Track

Here's more detail on the composition of the 2030 TR fund. Scroll down until you get to Holdings. https://www.blackrock.com/investing/products/227842/blackrock-lifepath-index-2030-portfolioinst-cl-fund http://performance.morningstar.com/fund/performance-return.action?t=LINIX®ion=usa&culture=en_US...
by pkcrafter
Thu Jun 21, 2018 9:19 am
Forum: Investing - Help with Personal Investments
Topic: "Never time the market" vs. lump sum investment
Replies: 57
Views: 3421

Re: "Never time the market" vs. lump sum investment

bonzai, what is your age and low long to needing the money? Have you decided on an overall asset allocation? I agree with others that the timing idea isn't a good idea. What if you wait and the market goes down? How far down will trigger your entry? It could continue to drop after you enter, or it c...
by pkcrafter
Wed Jun 20, 2018 5:20 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: True Alpha A Rare Thing
Replies: 1
Views: 363

Re: Larry Swedroe: True Alpha A Rare Thing

Thanks to Random Walker and Larry Swedroe. I'll just stick to my plain 'ol low cost index funds.

Paul
by pkcrafter
Wed Jun 20, 2018 10:31 am
Forum: Investing - Help with Personal Investments
Topic: 9 Mutual Funds Asset Allocation Help
Replies: 23
Views: 1286

Re: 9 Mutual Funds Asset Allocation Help

kmwilson, good job of figuring this out. My only comment would be at retirement I would not go as low as 20% equity. 35% equity minimum to continue some growth and cover withdrawals. It sounds like the "advisor" may be getting a bit of commission for getting you into more funds or certain funds. No ...
by pkcrafter
Wed Jun 20, 2018 10:14 am
Forum: Investing - Help with Personal Investments
Topic: Creative Planning vs Vanguard PAS
Replies: 90
Views: 5376

Re: Creative Planning vs Vanguard PAS

flroots, good to hear you are not completely hung up on CP, but in many of your earlier posts it sounded like you were trying hard to justify using them. Anyway, you do appear to be open to better investing strategies.

Paul
by pkcrafter
Wed Jun 20, 2018 9:35 am
Forum: Investing - Help with Personal Investments
Topic: 26yrs old and need startup advice
Replies: 14
Views: 1218

Re: 26yrs old and need startup advice

playup: My next step is to open a roth IRA Vanguard account and look into the SP500 index fund or the VFINX. I'm not familiar with which bonds and stocks are good for my situation but to play around I will throw $1000 bucks into a robo advisory to see how it handles it. VFINX is the ticker symbol f...
by pkcrafter
Wed Jun 20, 2018 8:48 am
Forum: Investing - Help with Personal Investments
Topic: Struggling - Seeking Advice to Get On Track
Replies: 90
Views: 4924

Re: Struggling - Seeking Advice to Get On Track

The first thing I would do is get rid of your Edward Jones IRA by rolling it over to a low cost company like Vanguard, Fidelity, or Schwab. It's very easy to do so and they will do most of the work for you. Just go to their website and search "rollover" and call their 1-800 number. I would go with ...
by pkcrafter
Wed Jun 20, 2018 8:23 am
Forum: Investing - Help with Personal Investments
Topic: 26yrs old and need startup advice
Replies: 14
Views: 1218

Re: 26yrs old and need startup advice

Hey thank you guys for the input. My company does have a 401k and looking at the benefits package it states... "Comapmy provides a comprehensive 401(k) plan administered by MassMutual. This self-directed plan allows participants to invest in a number of mutual funds across a variety of fund familie...
by pkcrafter
Tue Jun 19, 2018 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Help
Replies: 14
Views: 914

Re: Investment Help

Thanks Mckey, that confirms my suspicion--many of these funds are not tax-efficient, plus 3 REIT funds which are very inefficient. If you want to check for yourself, here's a link to VTSMX, Vanguard total stock market. Note the tax-cost ratio and then put your ticker in the quote box at the top of t...
by pkcrafter
Tue Jun 19, 2018 1:53 pm
Forum: Investing - Theory, News & General
Topic: Seeking input from folks invested in Van. Tax Managed Balanced Fund
Replies: 10
Views: 905

Re: Seeking input from folks invested in Van. Tax Managed Balanced Fund

I've held TM balanced for about 6 years and I'm happy with it. It's not quite as efficient as TSM, but on a par with S&P500. It does a good job of keeping taxes down, and like you, I will probably never sell it. I also have some TSM and tax-efficient bonds funds in the account if I ever need to pull...
by pkcrafter
Tue Jun 19, 2018 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: Creative Planning vs Vanguard PAS
Replies: 90
Views: 5376

Creative Planning vs Vanguard PAS

flroots, it appears you want to, and probably will, go with creative planning, and perhaps you are asking Bogleheads to confirm your choice. If you have decided on Creative Planning, that's fine, but you will have a hard time getting Bogleheads to agree. Also, you seem to be complicating what can be...
by pkcrafter
Mon Jun 18, 2018 10:05 pm
Forum: Investing - Help with Personal Investments
Topic: Morgan Stanley Target date portfolios?
Replies: 23
Views: 1157

Re: Morgan Stanley Target date portfolios?

CFCM sounds confusing. They haven't given you any idea on target date funds, but maybe they are using Blackrock, but CGCM doesn't seem to provide any TR funds of their own. http://www.myplaniq.com/LTISystem/f401k_view.action?ID=677 None listed here... https://www.morganstanley.com/wealth-investments...
by pkcrafter
Mon Jun 18, 2018 8:31 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Help
Replies: 14
Views: 914

Re: Investment Help

mckeypants: Current Wells Fargo Mutual Funds: 1) Equities- $258,000(71%) 2) Fixed Income- $78,000(21%) 3) Wells Fargo has spread this over 22 different funds Is this taxable? Please list the funds and ticker symbols. I'm going to guess there was no attempt to tax-manage this account. What's in the I...
by pkcrafter
Mon Jun 18, 2018 8:05 pm
Forum: Investing - Theory, News & General
Topic: Approximating total stock market
Replies: 22
Views: 1807

Re: Approximating total stock market

teddy, these funds are the way to approximate total market if they are the funds you have to work with. The style boxes are very close to total market shown at the top of the page. 81% Vanguard 500 Index Fund (VFINX) 4% Vanguard Mid-Cap Index Fund (VIMSX) 15% Vanguard Small-Cap Index Fund (NAESX) Up...
by pkcrafter
Mon Jun 18, 2018 9:15 am
Forum: Investing - Help with Personal Investments
Topic: STAR vs. 3-Fund Portfolio
Replies: 14
Views: 1383

Re: STAR vs. 3-Fund Portfolio

jmsaway, star is not a usual selection, but I don't see anything terribly wrong with using it. As dbr points out, the standard deviation (a measure of risk) is slightly higher, so performance would be expected to also be slightly higher. Star is also currently 62% stocks, and LS moderate is 59%. Sta...
by pkcrafter
Sun Jun 17, 2018 9:14 pm
Forum: Investing - Help with Personal Investments
Topic: Young and rich
Replies: 33
Views: 5170

Re: Young and rich

When considering risk, you need to think of need, ability and willingness. You don't have much need for high risk, but you do have ability. I think it's always worth remembering stocks are risky, so I would not recommend 90% of assets in equity, you don't need it. The 250k marked for home purchase s...
by pkcrafter
Sun Jun 17, 2018 7:29 pm
Forum: Investing - Help with Personal Investments
Topic: New to VG. Tax hit on trsfr of proprietary fund?
Replies: 9
Views: 569

Re: New to VG. Tax hit on trsfr of proprietary fund?

Just started with VG. I'm a low income retiree with a small nest egg which was managed before by a "retirement planner" (may he rest in peace, soon, I hope) who parks at credit unions and puts you into funds with high expense ratios. One mutual fund I tried to transfer to VG, MFS Moderate Allocatio...
by pkcrafter
Sun Jun 17, 2018 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: Need advise with the first investment
Replies: 12
Views: 483

Re: Need advise with the first investment

travellingrants, I would not recommend 100% for a new investor. It can be very tough for a new investor to hold when the fund drops 30-40%. Paul Hi Paul, Being new to the investment (At least how it works in the US), can you provide more information as what is meant by "not recommend 100% for a new...
by pkcrafter
Sun Jun 17, 2018 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: Need advise with the first investment
Replies: 12
Views: 483

Re: Need advise with the first investment

travellingrants, I would not recommend 100% for a new investor. It can be very tough for a new investor to hold when the fund drops 30-40%.


Paul
by pkcrafter
Sun Jun 17, 2018 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: IRA concerns
Replies: 29
Views: 989

Re: IRA concerns

Haven't had a chance to talk to anyone about the target date funds. Can you set up a SEPP in a target date fun, or maybe take periodic withdrawals. And can you opt out without penalties. ? Simple questions but I'm ignorant of the rules. Here is information on SEPP https://personal.vanguard.com/pdf/...
by pkcrafter
Sun Jun 17, 2018 8:32 am
Forum: Investing - Help with Personal Investments
Topic: Investment book recommendations?
Replies: 12
Views: 1020

Re: Investment book recommendations?

Videos from Rick Van Ness https://financinglife.org/learn-how-to-invest/investing-for-beginners/keep-it-simple/ Bogleheads' Wiki book list with "Taylor's gems" - selected quotes from books he has read. You can get a good summary by reading the gems. https://www.bogleheads.org/wiki/Books:_recommendat...
by pkcrafter
Sat Jun 16, 2018 7:38 pm
Forum: Investing - Theory, News & General
Topic: New Fidelity Freedom Funds?
Replies: 11
Views: 1868

Re: New Fidelity Freedom Funds?

Fidelity does not make it easy to find the Freedom Index Funds. Under their Asset Allocation Tab - The Index version does not show up. Fidelity Target You have to know how to work the system: Fidelity "Allocation" Funds . Thanks Duckie, but if you don't know this, search won't pull it anything help...
by pkcrafter
Sat Jun 16, 2018 6:52 pm
Forum: Investing - Theory, News & General
Topic: Mechanisms for disappearance of factor premia -- how does it work for momentum?
Replies: 14
Views: 764

Re: Mechanisms for disappearance of factor premia -- how does it work for momentum?

It is often argued that once a trading strategy that has previously beaten the market is made public, it stops working as increasing number of investors start using the strategy. This may also apply to factor premia often discussed in this forum (small, value, momentum, quality, etc.). I would be i...
by pkcrafter
Sat Jun 16, 2018 6:26 pm
Forum: Investing - Theory, News & General
Topic: New Fidelity Freedom Funds?
Replies: 11
Views: 1868

Re: New Fidelity Freedom Funds?

davidkw wrote:
Sat Jun 16, 2018 6:19 am
Fidelity does not make it easy to find the Freedom Index Funds. Under their Asset Allocation Tab - The Index version does not show up. Fidelity Target

It never has shown up.
Very true, and annoying! :annoyed

Paul
by pkcrafter
Sat Jun 16, 2018 6:22 pm
Forum: Investing - Theory, News & General
Topic: New Fidelity Freedom Funds?
Replies: 11
Views: 1868

Re: New Fidelity Freedom Funds?

The SEC Filings show an effective date of Aug 30, 2018, which is presumably the launch date of these new funds labeled "Fidelity Freedom Blend 20## Fund." These "Blend" funds are evidently meant to occupy a middle ground between the existing (actively managed) Fidelity Freedom funds and their Vangu...
by pkcrafter
Sat Jun 16, 2018 5:07 pm
Forum: Investing - Help with Personal Investments
Topic: I feel like selling my 3 fund
Replies: 57
Views: 7409

Re: I feel like selling my 3 fund

Leo, emotional investing is a sure way to very poor asset accumulation. Understand the pitfalls, write an investment policy statement, decide on an asset allocation. Not too aggressive because you appear to be risk averse. Don't follow the market: it is simply a knee-jerk reflection of current news,...
by pkcrafter
Sat Jun 16, 2018 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Reset - Best Strategy to (Re)Organize?
Replies: 7
Views: 1186

Re: Retirement Reset - Best Strategy to (Re)Organize?

Tax-efficent fund placement. Basically you want only tax efficient funds in taxable accounts. Total stock market and total international are the best stock funds, then you can add tax-exempt bonds/munis or tax-managed balanced (50/50). Look at all accounts in setting asset allocation. Do rebalancing...
by pkcrafter
Fri Jun 15, 2018 11:08 pm
Forum: Investing - Theory, News & General
Topic: New Fidelity Freedom Funds?
Replies: 11
Views: 1868

New Fidelity Freedom Funds?

Fidelity Investments, which has been cutting prices to compete with low-cost rivals such as Vanguard Group and Charles Schwab Corp., is trimming fees on the target-date index funds it sells to retirement plans and rolling out new offerings that combine active and passive strategies. https://finance...
by pkcrafter
Fri Jun 15, 2018 9:33 am
Forum: Investing - Help with Personal Investments
Topic: Beginner Investor 30 yrs old. 500k Saved
Replies: 8
Views: 595

Re: Beginner Investor 30 yrs old. 500k Saved

Rollwave, you made two other posts in the past 1-1/2 years, received some replies, but did not respond to them. Maybe you didn't even see them. Here they are: https://www.bogleheads.org/forum/search.php?author_id=115507&sr=posts Do you want to invest all or most of that 500k for retirement? If you a...
by pkcrafter
Fri Jun 15, 2018 9:19 am
Forum: Investing - Help with Personal Investments
Topic: 24 years old starting my first rothIRA
Replies: 14
Views: 1107

Re: 24 years old starting my first rothIRA

Randy: I would like to do the target retirement fund I believe. So I could put 2k in right now, then maybe in august I can put another 1k in depending on how much more i make into a max of 5500 correct? Sorry to be annoying, just wanna make sure im doing everything right Yes, a TR fund makes the mos...
by pkcrafter
Thu Jun 14, 2018 9:53 am
Forum: Investing - Help with Personal Investments
Topic: Living on Your Investments? What Happens When a Bear Market Hits?
Replies: 53
Views: 7502

Re: Living on Your Investments? What Happens When a Bear Market Hits?

Thanks for replies guys and thanks for the real life example sheepdog. I actually don't have that much in index funds as i only started a few years ago, however am really feeling they are overpirced at the moment e.g one index fund I have is up around 30%+ in just 2 years, so i'm not really sure wh...
by pkcrafter
Thu Jun 14, 2018 12:52 am
Forum: Investing - Help with Personal Investments
Topic: 47 and clueless - direction needed
Replies: 47
Views: 5421

Re: 47 and clueless - direction needed

I am new here, have read much and still feel dizzy. I feel like all of the investment folks who have guided me (sold me shares of this and that) have won and I am seriously worried about my future. Welcome Anne I am 47, single, no children, no debt, home paid off. Income approx. $33,000 In 2011 I w...
by pkcrafter
Tue Jun 12, 2018 10:30 pm
Forum: Investing - Help with Personal Investments
Topic: Please advise re:Guggenheim intermediate bond fund class p SIUPX
Replies: 17
Views: 564

Re: Please advise re:Guggenheim intermediate bond fund class p SIUPX

Luckygirl, SIUPX is a lower grade bond fund (BB) and that's why the recent returns look OK--higher risk. You should get higher returns for taking that risk. In 2008 the fund lost 11% while Vanguard Total Bond (AA) gained 5%. You have to decide if you want the higher risk in one of your bond funds. P...
by pkcrafter
Tue Jun 12, 2018 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Advisor Services
Replies: 45
Views: 3226

Re: Vanguard Advisor Services

Fancyrick, do you have taxable accounts or tax-deferred at Vanguard?


Paul
by pkcrafter
Tue Jun 12, 2018 8:48 pm
Forum: Investing - Help with Personal Investments
Topic: Need Investment Advice! Continue with Raymond James or Swap to Vanguard!
Replies: 20
Views: 1499

Re: Need Investment Advice! Continue with Raymond James or Swap to Vanguard!

Sorry for the confusion. I was thinking of it being a tax advantage account because of the munis being tax exempt. It is a regular tax account. OK, if it's a taxable account we can harp on REITS being in it. They are very tax-inefficient. Are these non-traded REITS?? I'd bet the advisor made 5% off...
by pkcrafter
Tue Jun 12, 2018 8:01 pm
Forum: Investing - Help with Personal Investments
Topic: Strategy for a prolonged bear market
Replies: 65
Views: 5415

Re: Strategy for a prolonged bear market

I didn't see it mentioned above so I'll throw out the obvious Plan B for a particular class of investor. This is for those who are a) retired, b) not really employable, c) depend on a relatively high WR and d) who have maintained an overly aggressive equity position in their AA. These retirees are ...
by pkcrafter
Tue Jun 12, 2018 8:57 am
Forum: Investing - Help with Personal Investments
Topic: What are Fido or VG equivalent funds for these?
Replies: 4
Views: 270

Re: What are Fido or VG equivalent funds for these?

Two funds that beat index funds? What indices is he referring to? Salesman hype. JHBIX is a Hi-Yield bond fund with a rating of BBB. It as a duration about the same as Vanguard's high yield bond fund (BBB). Vanguard's high-yield fund as beaten JHBIX over longer periods of time. Vanguard does not hav...
by pkcrafter
Mon Jun 11, 2018 8:34 pm
Forum: Investing - Help with Personal Investments
Topic: Strategy for a prolonged bear market
Replies: 65
Views: 5415

Re: Strategy for a prolonged bear market

Here is some good information on bear markets. There are two types, cyclical and secular. Of course you won't know which type you are in, so these plan B strategies may not help at all. https://finance.zacks.com/bear-market-stock-market-5670.html article from 2012 http://business.financialpost.com/i...