Search found 13064 matches

by pkcrafter
Mon Dec 17, 2018 11:29 pm
Forum: Investing - Help with Personal Investments
Topic: Re-balancing a Target Retirement Fund
Replies: 7
Views: 494

Re: Re-balancing a Target Retirement Fund

Yes, most target date retirment accounts rebalance daily. If what you currently have does not suite your desired asset allocation, consider exchanging for the TD that does. Correct and +1. Also, don't choose a TR fund by date. Instead, choose by desired asset allocation. TR funds will get lighter i...
by pkcrafter
Sat Dec 15, 2018 7:10 pm
Forum: Investing - Help with Personal Investments
Topic: 401(k) Allocation
Replies: 9
Views: 665

Re: 401(k) Allocation

https://drive.google.com/drive/folders/1Skh0kZKajgHYip9MoWtKnR3MvtsOKxsU?usp=sharing Here is the funds they are offering us, perhaps someone can point out best 3 fund options if possible. Thank you, 2328 Fidelity S&P 500 expense ratio (ER) 0.015% 2365 Fidelity Extended Mkt ER 0.05% combine these in...
by pkcrafter
Fri Dec 14, 2018 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: 401(k) Allocation
Replies: 9
Views: 665

Re: 401(k) Allocation

Do you have any low cost Fidelity index funds?

Paul
by pkcrafter
Fri Dec 14, 2018 4:36 pm
Forum: Investing - Help with Personal Investments
Topic: Imminent retirees & sequence fear
Replies: 64
Views: 3450

Re: Imminent retirees & sequence fear

Unless there are health issues and/or you have a financial emergency, it's usually financially better to collect SS later (ie: age 70). One key reason is that SS is indexed to inflation (unlike your investments), which is very helpful for maintaining purchasing power over the longer run. If you del...
by pkcrafter
Fri Dec 14, 2018 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: Imminent retirees & sequence fear
Replies: 64
Views: 3450

Re: Imminent retirees & sequence fear

Driver, comments below. The good news is that my wife and I are imminent retirees. Bad news is that this isn't looking (to us) like good timing. We're aware of market cycles, the overly-long bull market, the VIX, CAPE, yield curve inversion, death cross, complete chaos seemingly swirling around the...
by pkcrafter
Thu Dec 13, 2018 3:39 pm
Forum: Investing - Help with Personal Investments
Topic: Investment advice for stocks?
Replies: 16
Views: 1359

Re: Investment advice for stocks?

The allocation below approximates the total US market, which is what I would try to do. ( If you are detail oriented, the Bogleheads wiki says a more exact figure is 82% large/ 18% small.) 80% Columbia Large Cap Index Fund Institutional 2 Class CLXRX 20% Columbia Small Cap Index Fund Institutional ...
by pkcrafter
Wed Dec 12, 2018 4:00 pm
Forum: Investing - Help with Personal Investments
Topic: Another Newbie Question [IRA fund selection]
Replies: 7
Views: 337

Re: Another Newbie Question [IRA fund selection]

I agree with bloom - Target fund for both of you with a reasonable allocation (TR2035 or TR2030), at least until you build up your account. The TR funds will give you good diversification in one fund. https://investor.vanguard.com/mutual-funds/profile/VTTHX You can also use HSA and taxable, but you ...
by pkcrafter
Wed Dec 12, 2018 11:33 am
Forum: Investing - Help with Personal Investments
Topic: Seeking Advice as I Turn 30
Replies: 20
Views: 1923

Re: Seeking Advice as I Turn 30

Welcome to the forum, Hello All. As I enter the 30 years old milestone in 2019, I am hoping I can get some advice to help me stop stressing about my portfolio on the daily. As you can see below, I am clearly not doing a good job trying to manage it on my own. On a positive note I was able to achieve...
by pkcrafter
Fri Dec 07, 2018 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: Transferring Fidelity IRA to Vanguard IRA -- Does Current Allocation Seem Okay?
Replies: 10
Views: 634

Re: Transferring Fidelity IRA to Vanguard IRA -- Does Current Allocation Seem Okay?

Otherwise I'm just agonizing over each fund and getting anxious (money matters are super stressful to me since I've never had a lot of it). This statement does not encourage/suggest 80% stocks, at least not for now. Take a look at these allocations and max loss. https://personal.vanguard.com/us/ins...
by pkcrafter
Fri Dec 07, 2018 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: A 403b, Drifting At Sea
Replies: 6
Views: 621

Re: A 403b, Drifting At Sea

Hi, fellow Bogleheads. I'm hoping to get some sage advice. My wife is a Registered Nurse and used to work at a hospital years ago, where she was able to contribute to a 403b managed through Fidelity. She now does part-time home health nursing for a very small company which doesn't offer any type of...
by pkcrafter
Fri Dec 07, 2018 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: Helping my mom (60yr) - looking for stability
Replies: 13
Views: 1153

Re: Helping my mom (60yr) - looking for stability

Hello all, Just a quick opinion would be very helpful here. My mother is in the early stages of retiring. She want to get all funds moved from her work investment program. Is this a 401k type of tax-deferred account? What is the current asset allocation? What is mom's age? We will work on the long ...
by pkcrafter
Sun Dec 02, 2018 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: Smart Beta / Factor Presentation at Library
Replies: 4
Views: 390

Re: Smart Beta / Factor Presentation at Library

I am debating on attending and investment seminar at a local library. Tim Baker, CFA, Founder & CEO of Metric Financial, LLC will cover topics such as: What does an advisor really cost? What is an ETF? What is Smart Beta? What is Factor Investing? And more! Any one familiar with this presentation? ...
by pkcrafter
Sat Dec 01, 2018 11:00 am
Forum: Investing - Help with Personal Investments
Topic: Comments on creating my Three-Fund Portfolio, please.
Replies: 7
Views: 827

Re: Comments on creating my Three-Fund Portfolio, please.

Please list the amount in taxable and the funds you are currently in.


Paul
by pkcrafter
Fri Nov 30, 2018 6:43 pm
Forum: Investing - Help with Personal Investments
Topic: New 401k has terrible fees; options?
Replies: 22
Views: 1005

Re: New 401k has terrible fees; options?

Are expense ratios across the board this high? Do these expense ratios cover all 401k costs, or are there additional fees as well?

Paul
by pkcrafter
Fri Nov 30, 2018 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: Basic Bucket Theory
Replies: 40
Views: 3819

Re: Basic Bucket Theory

Bucket strategies, a.k.a. time-segmentation - Do not lose sight of your overall asset allocation, that is the most important. You list years of living expenses, but are they inflation adjusted? Bucket strategies are linked to mental accounting - Mental accounting The tendency for people to put their...
by pkcrafter
Fri Nov 30, 2018 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: Nullify Sequence of Returns Risk by Borrowing?
Replies: 31
Views: 1962

Re: Nullify Sequence of Returns Risk by Borrowing?

Phil wrote:
I am 50 years old and have a portfolio of primarily blue chip dividend stocks valued at $1m and providing about $30k per year in income.
Phil, what exactly is your overall asset allocation to stocks, non-stocks?

Paul
by pkcrafter
Fri Nov 30, 2018 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: Net Worth Question - Current Value or Personal Contribution?
Replies: 31
Views: 2087

Re: Net Worth Question - Current Value or Personal Contribution?

Jack: Say I invested $50,000 five-years ago and today that amount has grown to $100,000. If I stop adding anything further, should I use my original $50,000 investment from 5 years or the $100,000 value as of today in the " How Much You Have Saved For Retirement" section of the calculator to project...
by pkcrafter
Thu Nov 29, 2018 1:14 pm
Forum: Investing - Theory, News & General
Topic: Does 100% stocks make sense for very high net worth individuals
Replies: 89
Views: 6901

Re: Does 100% stocks make sense for very high net worth individuals

Considering very higher net worth individuals will want to create generational wealth to be passed on to several generations down the line, does it make sense for these individuals to go 100% stocks, since in the long run (>40 year duration) 100% stocks almost always wins? Yes, I like that, but it'...
by pkcrafter
Tue Nov 27, 2018 11:13 am
Forum: Investing - Help with Personal Investments
Topic: How to ratchet up equity allocation?
Replies: 22
Views: 1322

Re: How to ratchet up equity allocation?

TLDR: I'm at a 65/35 allocation considering increasing my allocation to 75/25. How should I approach that without the possibility of triggering newly found risk aversion or regret? Newly found risk aversion? I think that must strongly drive your decision. Why increase risk when it seems clear that ...
by pkcrafter
Mon Nov 26, 2018 10:57 am
Forum: Investing - Help with Personal Investments
Topic: 401k Match in Company Stock - What do you do
Replies: 15
Views: 1551

Re: 401k Match in Company Stock - What do you do

An employer match on a 401k plan is paid in company stock. The value of the stock (and therefore, the entire employer match portion in 401k) is down 30% over several years of receiving the match. Having made the mistake of not immediately converting the match when it was received to fit within your...
by pkcrafter
Sat Nov 24, 2018 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: Dealing with Reality
Replies: 20
Views: 3566

Re: Dealing with Reality

OK, let's just say someone has a large percentage of their money in a money market. And let's just say that person knows (and has known) this is a horrible, non tax advantaged, losing to inflation strategy. How does one enter in the 3 investment thing, taking into account putting it in all at once ...
by pkcrafter
Thu Nov 22, 2018 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: My Name is Paul, and I am a Larimore Boglehead
Replies: 19
Views: 4584

Re: My Name is Paul, and I am a Larimore Boglehead

What is a Larimore Boglehead and how does that differ from other sub sect and offshoot Boglehead tribes? Taylor (Larimore) has consistently advocated the 3 fund portfolio, and simplicity. No timing, no factors, no mo, no trend following. Paul I also consider myself a Larimore Boglehead as he is the...
by pkcrafter
Wed Nov 21, 2018 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: Market Timing? - Transferring funds to 3 fund portfolio and rebalancing to lower asset allocation at same time
Replies: 11
Views: 1015

Re: Market Timing? - Transferring funds to 3 fund portfolio and rebalancing to lower asset allocation at same time

Interesting... I have exactly the same question! In my case, forming a portfolio and investing was not a mistake, not setting the right allocation was. The question is, should I change the allocation immediately or wait for the market to recover. Selling now(in favor of bonds) would seem like panic...
by pkcrafter
Wed Nov 21, 2018 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: TSP Eligibility for widow
Replies: 2
Views: 228

Re: TSP Eligibility for widow

It seems unlikely. If the former spouse was enrolled then she would have been the beneficiary. If said spouse never elected to contribute to the TSP then that door remains closed, as far as I can tell. https://www.tsp.gov/PlanParticipation/EligibilityAndContributions/establishingAccount.html#NONBRS...
by pkcrafter
Wed Nov 21, 2018 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: TSP Eligibility for widow
Replies: 2
Views: 228

TSP Eligibility for widow

I have a friend who was married to a career Air Force pilot. He was retired and passed away 2 years ago. Friend has very limited knowledge of investing and is not a member of TSP. I wonder if she can join now?

thanks,


Paul
by pkcrafter
Wed Nov 21, 2018 10:58 am
Forum: Investing - Help with Personal Investments
Topic: My Name is Paul, and I am a Larimore Boglehead
Replies: 19
Views: 4584

Re: My Name is Paul, and I am a Larimore Boglehead

MJW wrote:
Wed Nov 21, 2018 12:37 am
What is a Larimore Boglehead and how does that differ from other sub sect and offshoot Boglehead tribes?
Taylor (Larimore) has consistently advocated the 3 fund portfolio, and simplicity. No timing, no factors, no mo, no trend following.

Paul
by pkcrafter
Wed Nov 21, 2018 1:02 am
Forum: Investing - Help with Personal Investments
Topic: How to setup a Vanguard Target fund (beginner)
Replies: 2
Views: 285

Re: How to setup a Vanguard Target fund (beginner)

Dindin, a target fund is a good choice for a first fund, but some here would not recommend 90% stock for a new investor as downside swings in account balance can be alarming when you're not used to it. I would suggest a target fund with no more than 80% stock. In other words, choose the fund by asse...
by pkcrafter
Tue Nov 20, 2018 8:36 pm
Forum: Investing - Help with Personal Investments
Topic: My Name is Paul, and I am a Larimore Boglehead
Replies: 19
Views: 4584

Re: My Name is Paul, and I am a Larimore Boglehead

Random Fund data: https://www.morningstar.com/portfolio.html?requestUrl=/RtPort/Reg/MyView.aspx?ViewPage=5 That just shows me my 'random' funds from last time I used the site 15 years ago, I think. After I logged in when forced to. So, you didn't get my list on that link? Hmm, funny. What did your ...
by pkcrafter
Tue Nov 20, 2018 12:41 pm
Forum: Investing - Help with Personal Investments
Topic: My Name is Paul, and I am a Larimore Boglehead
Replies: 19
Views: 4584

My Name is Paul, and I am a Larimore Boglehead

I found Taylor and Mel on the old Morningstar Vanguard Diehards forum 20 years ago. 1999 was a tough year to start investing because we were one year from the tech wreck where the market lost 49%. Very hard for a newbie to hold, but with the constant and unwavering advice from Taylor and Mel to "sta...
by pkcrafter
Tue Nov 20, 2018 11:25 am
Forum: Investing - Help with Personal Investments
Topic: Large Sum to Invest, Need Advice
Replies: 3
Views: 613

Re: Large Sum to Invest, Need Advice

viperguy, are you still operating the business on your own? If so, you can open a retirement account. The 3 fund -- total stock market, total international and total bond is a good portfolio. It would give you an asset allocation of 66/34 if you divided it evenly. If you must use taxable, use only t...
by pkcrafter
Mon Nov 19, 2018 9:19 pm
Forum: Investing - Help with Personal Investments
Topic: FOMO and Closed Funds
Replies: 16
Views: 1761

Re: FOMO and Closed Funds

Nutella Junkie wrote:
Mon Nov 19, 2018 7:55 pm
mhalley wrote:
Mon Nov 19, 2018 7:51 pm
If you want to experience FOMO, don't compare to the measly returns of funds. Look at what would have happened when you bought GOOG at the IPO, or AAPL when it was 18.
:evil: :evil: :evil: Fair point, but way to rub it in! :D :D :D

by pkcrafter
Mon Nov 19, 2018 1:58 pm
Forum: Investing - Help with Personal Investments
Topic: Confusion about ESG ETFs at Vanguard?
Replies: 2
Views: 196

Re: Confusion about ESG ETFs at Vanguard?

Not surprising you are confused. The page you linked says there is 1.8% oil and gas in the portfolio. Not much, but it's there. Sounds like a good question for Vanguard.


Paul
by pkcrafter
Fri Nov 16, 2018 11:11 am
Forum: Investing - Help with Personal Investments
Topic: Is this rollover restriction correct/allowed?
Replies: 3
Views: 225

Re: Is this rollover restriction correct/allowed?

My wife is likely to be leaving her current job for a new company just after the new year. She will be restricted from their 401k for full year of service, so my plan was to rollover her current 401k to Vanguard. Her current 401k is through Wells Fargo and the offerings, fees, and interface are les...
by pkcrafter
Thu Nov 15, 2018 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: Moving taxable account positions between brokerages?
Replies: 5
Views: 316

Re: Moving taxable account positions between brokerages?

Jason, who selected those funds for a taxable account? Most all are very tax inefficient. As noted above, you have to make sure the new fund company (Fidelity?) will accept all the funds, if not you will probably end up with partial transfer and a worse mess. Find out how much PFA charges for sales ...
by pkcrafter
Wed Nov 14, 2018 6:22 pm
Forum: Investing - Theory, News & General
Topic: World GDP by country 1960-2018 Video
Replies: 7
Views: 666

World GDP by country 1960-2018 Video

Interesting video on GDP growth from 1960. Click on arrow to start. Note Japan, China and US.

https://www.reddit.com/r/dataisbeautifu ... y_country/




Paul
by pkcrafter
Wed Nov 14, 2018 12:35 pm
Forum: Investing - Help with Personal Investments
Topic: Oops! Edward Jones tops Vanguard in customer survey
Replies: 50
Views: 5309

Re: Oops! Edward Jones tops Vanguard in customer survey

EJ far better schmoozers. They target clueless customers.

Paul
by pkcrafter
Wed Nov 14, 2018 11:50 am
Forum: Investing - Help with Personal Investments
Topic: I can't take this anymore=) I'm selling stocks and buying bonds!
Replies: 129
Views: 19781

Re: I can't take this anymore=) I'm selling stocks and buying bonds!

Alex, you appear to have a portfolio of ~500k, so a 12k loss is 2.4%. For most investors, that isn't much to get excited about. It means you are more risk averse than average; therefore, you need a lower equity allocation than others in your position. It's also not helpful to watch your portfolio to...
by pkcrafter
Tue Nov 13, 2018 5:18 pm
Forum: Investing - Help with Personal Investments
Topic: First time invester, help needed please
Replies: 100
Views: 5410

Re: First time invester, help needed please

stt: That is something I learned in the wiki. both of the 2055's I have are riskier, with low bonds. It does match because as noted above I'd like to be riskier That fund is 90% stock, so you have to lower stock somewhere else to get overall AA (asset allocation) of 75-80%, which would be in the ran...
by pkcrafter
Tue Nov 13, 2018 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: MAJOR Vanguard Screwups in 403(b) Rollover
Replies: 5
Views: 959

Re: MAJOR Vanguard Screwups in 403(b) Rollover

Hello All: Vangaurd has taken over 5 WEEKS to process an in-kind roll over of all funds in a university 403(b), managed by VG, to a SEP-IRA also managed by VG. First, I got a the runaround that I had to get authorization from my university. Then, a rep wrongly told me it was not possible. Later sti...
by pkcrafter
Tue Nov 13, 2018 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: Dimensional Funds
Replies: 18
Views: 1682

Re: Dimensional Funds

CWRadio wrote:
Tue Nov 13, 2018 11:39 am
Is there a way to buy DFA funds without paying advisors fee? Thanks
Maybe only one way, but probably not worth it.

https://thefinancebuff.com/backdoor-buy ... visor.html


Paul
by pkcrafter
Tue Nov 13, 2018 11:14 am
Forum: Investing - Help with Personal Investments
Topic: Dimensional Funds
Replies: 18
Views: 1682

Re: Dimensional Funds

Hi, I have been reading about Dimensional Index Funds. An adivser from IFA in Irvine, CA is talking to me at this time. Are they worth the high expense ratio for a person about to retiree? I don't have a 401K as I worked overseas most of the time? I would like to spend little time researching inves...
by pkcrafter
Sun Nov 11, 2018 6:01 pm
Forum: Investing - Help with Personal Investments
Topic: Strategy during the last stock market decline
Replies: 58
Views: 6521

Re: Strategy during the last stock market decline

Strategy during the last stock market decline Pretty simple: hold, rebalance. Rebalancing: When asset classes deviate from their target by a certain absolute percentage . For example, if your target asset allocation is 60% equities and 40% fixed income and your (absolute) rebalancing threshold is +...
by pkcrafter
Sun Nov 11, 2018 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: E. Jones/Vanguard and now Fisher Investments
Replies: 36
Views: 4728

Re: E. Jones/Vanguard and now Fisher Investments

I have had a conversation with Vanguard and would expect to sign up with their personal services. I have just set an appointment (I consider it tentative) with Fisher Investments Why? Going from EG to Fisher does not improve anything -- the same problems and costs. Low costs and simplicity are what...
by pkcrafter
Sun Nov 11, 2018 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: Does the order date or the execution date count when calculating wash sales?
Replies: 1
Views: 228

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

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

You're good.

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


Paul
by pkcrafter
Sun Nov 11, 2018 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 401K investments
Replies: 6
Views: 310

Re: Help with 401K investments

FID 500 INDEX (FXAIX) Large Cap 17.21% $35,980.45 $37,924.22 -4.76% As of 11/9/18 FXAIX appears to be up 5.7% I realize the market has been up and down but really thought I'd be doing a LITTLE bit better then that Nope, you cannot predict or expect future performance on past performance, they are u...
by pkcrafter
Fri Nov 09, 2018 10:06 am
Forum: Investing - Help with Personal Investments
Topic: First time invester, help needed please
Replies: 100
Views: 5410

Re: First time invester, help needed please

hello stt, you are getting good advice, so I'll just try to help organize. 1. asset allocation - Many of us will recommend 80% stock max across all accounts. Note: It can be much more difficult to hold your allocation during the panic that is present in an out of control market crash. It's also easi...
by pkcrafter
Tue Nov 06, 2018 8:47 am
Forum: Investing - Help with Personal Investments
Topic: In kind transfer from schwab?
Replies: 10
Views: 637

Re: In kind transfer from schwab?

If you are planning to handle your own portfolio, there is no reason you can't do that just as well at Schwab using either their mutual funds or no-transaction-fee ETFs. In other words, you may not have to transfer to Vanguard at all. You could even use one of the low cost Target Index funds at Sch...
by pkcrafter
Mon Nov 05, 2018 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: Percentage of small-caps in an aggressive portfolio
Replies: 17
Views: 956

Re: Percentage of small-caps in an aggressive portfolio

Mkt weight of small is 6%, so anything over that constitutes a tilt. 50% small is radical, but some do hold it. Here is the Larry portfolio which is 100% U.S. small (domestic stock AA). https://portfoliocharts.com/portfolio/larry-portfolio/ Inexperienced investors might want to ramp up on small over...