Search found 12501 matches

by pkcrafter
Sun Apr 22, 2018 4:43 pm
Forum: Investing - Theory, News & General
Topic: -- Mixed Mutual Funds
Replies: 4
Views: 217

Re: -- Mixed Mutual Funds

Hello all, Welcome, I am a small time investor. Due to owning more than one 'Balanced'Mixed Mutual fund (i.e. Vanguard bal. index, vbiax, and life strategy vsmgx, etc)....I have a simple question regarding how to determine my overall percent of investments in my portfolio. (I am trying to determine...
by pkcrafter
Sun Apr 22, 2018 4:24 pm
Forum: Investing - Theory, News & General
Topic: The Limits of Modern Portfolio Theory - Do Investors Understand What They Own?
Replies: 15
Views: 1534

Re: The Limits of Modern Portfolio Theory - Do Investors Understand What They Own?

Another poor attempt at discrediting indexing. It doesn't even make much sense.

Paul
by pkcrafter
Sun Apr 22, 2018 11:36 am
Forum: Investing - Help with Personal Investments
Topic: My taxable account is banged up. Need some help!
Replies: 11
Views: 946

Re: My taxable account is banged up. Need some help!

Yes, if you have income you can contribute to an IRA or Roth. View all accounts as one portfolio. Doing that allows you to hold bonds in the 401k and stocks in taxable while still maintaining your target asset allocation. You might also consider Vanguard tax-managed balanced VTMFX (~50/50) for the t...
by pkcrafter
Sun Apr 22, 2018 11:01 am
Forum: Investing - Help with Personal Investments
Topic: New to Investing
Replies: 8
Views: 532

Re: New to Investing

Hi all, I’m in my mid 20s and am new to investing in a taxable account. I made my first installment into the market last week (all Schwab ETFs on my Schwab account). For some background, I was previously in the 35% income bracket but will be in the 22% income bracket for the next two years before m...
by pkcrafter
Sat Apr 21, 2018 9:53 pm
Forum: Investing - Help with Personal Investments
Topic: How much does tinkering hurt returns?
Replies: 16
Views: 1410

Re: How much does tinkering hurt returns?

With the help of the boglehead forum and website I have moved to a three fund portfolio. Thank you! I am happy with my current portfolio and feel much more confident. However, I continue to learn about things such as tilting to small caps, and some low cost actively managed funds. I am not yet read...
by pkcrafter
Sat Apr 21, 2018 6:40 pm
Forum: Investing - Help with Personal Investments
Topic: 2018 ETF Portfolio Maintenance & Asset Allocation
Replies: 4
Views: 501

Re: 2018 ETF Portfolio Maintenance & Asset Allocation

If you are now feeling a little concerned, and your portfolio is aggressive, you could lower the equity allocation to 80% or 75% with not much drop in return, but a noticeable drop in risk.

Paul
by pkcrafter
Sat Apr 21, 2018 2:24 pm
Forum: Investing - Theory, News & General
Topic: Stocks, bonds, bills, inflation, oh, my...
Replies: 1
Views: 479

Stocks, bonds, bills, inflation, oh, my...

Just a chart comparing these. Does everything continue to outpace inflation by increasing amounts?

https://calpers.voya.com/static/edtools ... _Bonds.jpg

Maybe not

https://i1.wp.com/inflationdata.com/art ... =901&ssl=1


Paul
by pkcrafter
Sat Apr 21, 2018 10:25 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Questions
Replies: 17
Views: 702

Re: Portfolio Questions

Welcome, Credit Card Debt: $3,000 @ 10% APR Pay this off every month. Tax Filing Status: Single Savings - $10,000 (emergency and all) This may be a little low for a single person. You might consider 3 months of EF. Stock - $1,000 Crypto - $11,000 401k - $28000 (20% of pay) Company match (90 cents f...
by pkcrafter
Sat Apr 21, 2018 9:02 am
Forum: Investing - Help with Personal Investments
Topic: Bonds beat stocks ?
Replies: 10
Views: 832

Re: Bonds beat stocks ?

I read in a 2012 post that bonds have beat us stocks over the last decade. Can someone explain how that is possible. When Bonds earn 9% in the best years for bonds and the S&P 500 earns over 20% in a good year. The S&P500 can earn over 20% in a good year, and it can lose more than than in a bad yea...
by pkcrafter
Fri Apr 20, 2018 10:23 am
Forum: Investing - Theory, News & General
Topic: Financial "coaching"/consulting certifications?
Replies: 13
Views: 1084

Re: Financial "coaching"/consulting certifications?

Dan, the replies you received from Harry and Rick are what I would expect as both do act like coaches, but hold no certification. Here's another guy, no advisor credential, doing coaching that has taken it to the next level. https://wellkeptwallet.com/deacon-hayes/ Of course, coaches without an advi...
by pkcrafter
Fri Apr 20, 2018 9:35 am
Forum: Investing - Help with Personal Investments
Topic: Grandparents requested our help to manage $300K
Replies: 21
Views: 2314

Re: Grandparents requested our help to manage $300K

Beach, it sounds like your wife's grandparents received this 300k from a sale and they've marked it for inheritance. In addition, they really don't want to have to managed it, so they have brought their daughter and son-in-law into management. That's fine, but it's still their money, which could tur...
by pkcrafter
Thu Apr 19, 2018 8:21 pm
Forum: Investing - Theory, News & General
Topic: Financial "coaching"/consulting certifications?
Replies: 13
Views: 1084

Re: Financial "coaching"/consulting certifications?

You might run your idea past Bogeheads Harry Sit (the oblivious investor) and Rick Van Ness, who operates Financing Life. Both do something like you describe and no certification is needed. Also see links in my response to Dan below. Harry Sit https://thefinancebuff.com/about Rick Van Ness https://f...
by pkcrafter
Thu Apr 19, 2018 7:55 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity 4 fund that would be better than freedom fund?
Replies: 15
Views: 1140

Re: Fidelity 4 fund that would be better than freedom fund?

The 4 fund portfolio is usually considered to be:

Total Stock Market
Total International
Bonds
International Bonds


Paul
by pkcrafter
Thu Apr 19, 2018 3:36 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity 4 fund that would be better than freedom fund?
Replies: 15
Views: 1140

Re: Fidelity 4 fund that would be better than freedom fund?

We don't know how much $$ is involved, but here is Fidelity Index Funds, Premium Class, which have a 10k min. I would just use a 3-fund version, with total stock market, total international, and a tax-efficient bond fund. https://www.fidelity.com/mutual-funds/investing-ideas/index-funds?imm_pid=7000...
by pkcrafter
Thu Apr 19, 2018 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: Financial planners [looking for one]
Replies: 26
Views: 1871

Re: Financial planners [looking for one]

Here's another option. Boglehead Harry Sit (the finance buff) offers a service that will provide you with the names of three screened advisors in your area, but what you really may want is a financial plan that includes a review of everything you have and provides a detailed course of action. This i...
by pkcrafter
Thu Apr 19, 2018 11:18 am
Forum: Investing - Theory, News & General
Topic: Bill Bonner: what's your take?
Replies: 36
Views: 3029

Re: Bill Bonner: what's your take?

Who is Bill Bonner? Never mind, I don't need to know.

Treadlightly, you and your husband's philosophy are wrong and harmful to long term potential wealth accumulation. You have to crank up education.

Paul
by pkcrafter
Thu Apr 19, 2018 9:38 am
Forum: Investing - Help with Personal Investments
Topic: EJ Escapee
Replies: 7
Views: 837

Re: EJ Escapee

Hey Everybody, Welcome Scott, Great sight and great people. I'm 29 years old and have just recently realized the EJ con I was wrapped up in. Ive begun the process of moving my 4 accts over to vanguard for a $400 EJ fee(whatever suck it Ed, I'm free). Vanguard is fine, but I'd be careful about movin...
by pkcrafter
Wed Apr 18, 2018 7:47 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable account
Replies: 5
Views: 944

Re: Taxable account

GAB The Gabelli Equity Trust is a closed-end, non-diversified management investment company whose investment objective is long term growth of capital, with income as a secondary objective. Investments will be made based on management's perception of their potential for capital appreciation. The Fund...
by pkcrafter
Wed Apr 18, 2018 6:34 pm
Forum: Investing - Theory, News & General
Topic: 2 Quick Questions
Replies: 9
Views: 1023

Re: 2 Quick Questions

Provide the names of a couple of international funds you are interested in and maybe readers can come up with answers.

I won't ask why you want to know this, but consider a fund that holds 200 stocks vs one that holds 30 stocks.

Paul
by pkcrafter
Wed Apr 18, 2018 3:37 pm
Forum: Investing - Theory, News & General
Topic: A fact about active fund performance
Replies: 1
Views: 263

A fact about active fund performance

A fact about active fund performance--it's worse than we thought. For example, according to S&P Global, only 34.11% of large-cap mutual funds that existed 15 years ago are around today. Needless to say, the 65.89% of funds that didn’t survive were mediocre performers when they were merged or liquida...
by pkcrafter
Wed Apr 18, 2018 11:57 am
Forum: Investing - Theory, News & General
Topic: Factor Investing - A convincing article
Replies: 60
Views: 4952

Re: Factor Investing - A convincing article

If factor investing works reliably it will become very popular and it will be reflected in total market profile. Ho hum.

Paul
by pkcrafter
Wed Apr 18, 2018 11:45 am
Forum: Investing - Theory, News & General
Topic: John Bogle Attends Warren Buffett's Shareholder Meeting
Replies: 7
Views: 1279

Re: John Bogle Attends Warren Buffett's Shareholder Meeting

Thanks Taylor, good story. Buffet has a lot of respect for John Bogle, and seems to be the other way around too.

Paul
by pkcrafter
Wed Apr 18, 2018 10:49 am
Forum: Investing - Help with Personal Investments
Topic: 2017 IRA Contribution Deadline
Replies: 4
Views: 465

Re: 2017 IRA Contribution Deadline

PFInterest wrote:
Wed Apr 18, 2018 9:06 am
Is the 2017 IRA contribution deadline also extended till today given the IRS extension?
You may make a contribution anytime from January 1 to the tax filing deadline (April 18 in 2018).
https://www.rothira.com/roth-ira-rules

Paul
by pkcrafter
Wed Apr 18, 2018 10:19 am
Forum: Investing - Help with Personal Investments
Topic: Please help me with arguments for/against actively managed...
Replies: 34
Views: 1569

Re: Please help me with arguments for/against actively managed...

RoadRat, you've gotten a lot of replies; here are is a summary. 1. 1.2% is expensive for a management fee. 2. The 60 stocks raises more questions. Is the advisor frequently selling/buying stocks? There are additional fees to buy and sell. This no doubt benefits the advisor more than the client. 3. I...
by pkcrafter
Tue Apr 17, 2018 7:18 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me with arguments for/against actively managed...
Replies: 34
Views: 1569

Re: Please help me with arguments for/against actively managed...

I am in a debate with a friend regarding performance of an actively managed portfolio that charges 1.2% fees per year vs. a three fund strategy at Vanguard. Please help me with the pros/cons of this argument. Thanks in advance. Love, RR Are you saying 1.2% is the advisor's fee, and in addition he h...
by pkcrafter
Mon Apr 16, 2018 11:13 pm
Forum: Investing - Help with Personal Investments
Topic: High fee funds
Replies: 19
Views: 2246

Re: High fee funds

billo, here's the performance of GABAX on Morningstar. This fund is also very tax-inefficient, so shouldn't be in a taxable account.

http://performance.morningstar.com/fund ... ture=en-US


Paul
by pkcrafter
Mon Apr 16, 2018 9:21 pm
Forum: Investing - Help with Personal Investments
Topic: Roth 401k and Roth IRA
Replies: 5
Views: 434

Re: Roth 401k and Roth IRA

Thanks for replying. Should I open an IRA account at the bank or at Vanguard .....? what do you recommend? Banks are expensive places to keep investments of any kind. If you want to try to open an account tomorrow, try Schwab or Fidelity, but don't opt for any managed or advisory accounts . Both ha...
by pkcrafter
Mon Apr 16, 2018 7:15 pm
Forum: Investing - Theory, News & General
Topic: Class Action suit against DDD?
Replies: 13
Views: 2001

Re: Class Action suit against DDD?

An example of specific stock risk.

Victoria... :wink:


Paul
by pkcrafter
Mon Apr 16, 2018 7:08 pm
Forum: Investing - Theory, News & General
Topic: We crush stock indexes, Yale claims
Replies: 98
Views: 11011

Re: We crush stock indexes, Yale claims

In 2015, Swensen said this: Fees can do terrible damage to your investment returns. Even in higher-risk, higher-return asset classes such as stocks you can only expect high-single digit or low double-digit returns over long periods of time. So if you end up paying 1 percent to a financial adviser, a...
by pkcrafter
Mon Apr 16, 2018 5:43 pm
Forum: Investing - Help with Personal Investments
Topic: Easy way to compare funds, indexes, stock
Replies: 16
Views: 1051

Re: Easy way to compare funds, indexes, stock

Mr Jones: I too need encouragement to stay the course even with my analytical personality. Now if I can prove to myself that the payoff was not worth the amount of time and effort in maintaining individual stock, I'd just go 100% index. It may take you 10 years or more to get a reliable answer to th...
by pkcrafter
Mon Apr 16, 2018 1:15 pm
Forum: Investing - Help with Personal Investments
Topic: What advantages do a personalized portfolio have over a target date fund, in your opinion?
Replies: 49
Views: 2873

Re: What advantages do a personalized portfolio have over a target date fund, in your opinion?

What advantages do a personalized portfolio have over a target date fund, in your opinion?
Personalized Portfolio...
ADVANTAGE - Allows hands on so you can customize and tweak
DISADVANTAGE - Allows hands on so you can customize and teak.

:happy

Paul
by pkcrafter
Sun Apr 15, 2018 10:56 am
Forum: Investing - Help with Personal Investments
Topic: Need some IRA advice please
Replies: 8
Views: 614

Re: Need some IRA advice please

Thanks guys for all your input. What do you think about my current scenario and me AA 100% towards US equities like a total US market index fund? Like I said I don’t really have any need for this cash in the next 5 years or so and I would hate to miss on any potential appreciation. Please advise.. ...
by pkcrafter
Sun Apr 15, 2018 10:50 am
Forum: Investing - Help with Personal Investments
Topic: Easy way to compare funds, indexes, stock
Replies: 16
Views: 1051

Re: Easy way to compare funds, indexes, stock

The question I'm trying to answer is what would have happened if I had invested - bought and sold - in one ticker versus another on a certain pair of dates. This is almost a totally useless exercise. What would have happened does not correlate very well with what will happen. Use index funds and yo...
by pkcrafter
Sun Apr 15, 2018 10:27 am
Forum: Investing - Help with Personal Investments
Topic: Bad money managers
Replies: 4
Views: 645

Re: Bad money managers

Unless you simply hold cash/CDs in the IRA, I would not recommend a bank for any investing. Broker Check/Complaint https://www.thebalance.com/financial-advistors-credentials-2388438 FINRA https://brokercheck.finra.org/ FINRA Broker Complaint http://www.finra.org/investors/investor-complaint-center
by pkcrafter
Sun Apr 15, 2018 10:10 am
Forum: Investing - Help with Personal Investments
Topic: Alternative website for those in lower tax brackets?
Replies: 59
Views: 5221

Re: Alternative website for those in lower tax brackets?

Let's not forget what Bogleheads' is all about. From Getting Started in the Wiki... The Bogleheads® motto is Investing Advice Inspired by Jack Bogle. We are part of his crusade "to give ordinary investors a fair shake." Buffett Called Me a Hero https://www.cnbc.com/2017/05/08/buffett-called-me-a-her...
by pkcrafter
Fri Apr 13, 2018 11:09 pm
Forum: Investing - Theory, News & General
Topic: Factor Investing - A convincing article
Replies: 60
Views: 4952

Re: Factor Investing - I convincing article

jhfenton wrote: 5 years of underperformance! I'm convinced. :oops: Or perhaps, I'll stick with what has overperformed for me for more than 20 years. Come on, don't leave us in suspense, what is your secret overperformance strategy? For those who aren't familiar with John Bogle's classic Tell Tail C...
by pkcrafter
Thu Apr 12, 2018 11:54 pm
Forum: Investing - Help with Personal Investments
Topic: High fee funds
Replies: 19
Views: 2246

Re: High fee funds

billo, there are several versions of that fund, we need the ticker symbol. Taylor has provided info on the investor class, but is that the fund you have? Some versions have even lower returns because of higher fees.

Paul
by pkcrafter
Wed Apr 11, 2018 11:18 pm
Forum: Investing - Theory, News & General
Topic: Why are expected returns so much lower than historical returns?
Replies: 153
Views: 8299

Re: Why are expected returns so much lower than historical returns?

Here's an explanation, but keep in mind if we follow and pay attention to P/E10 and returns, the P/E10 ratio should not be as high as it is. One thing is certain though, stocks don't grow to the sky, so forecasts have to be for lower returns.

https://www.lynalden.com/shiller-pe-cape-ratio/

Paul
by pkcrafter
Wed Apr 11, 2018 11:00 pm
Forum: Investing - Help with Personal Investments
Topic: Any aggressive index funds in your portfolio?
Replies: 35
Views: 3170

Re: Any aggressive index funds in your portfolio?

So, been reading this site a month now and have recently read a couple of the books recommended from this site (Bogleheads Guide to Retirement, and the other one Bogleheads Guide to Investing) and I’m currently trying to rearrange my 401K and my Roth IRA along with my Wife’s Roth IRA. Just curious ...
by pkcrafter
Wed Apr 11, 2018 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Good auto insurance
Replies: 3
Views: 541

Good auto insurance

I'm currently with GEICO, but just got an unsolicited letter from 21st Century claiming $300 less for same policy. 21st Century doesn't seem to have very good reviews, but it has made me curious about good, lower cost companies.

Any ideas?

thanks,

Paul
by pkcrafter
Wed Apr 11, 2018 10:34 am
Forum: Investing - Help with Personal Investments
Topic: Question on the lost decade
Replies: 9
Views: 920

Re: Queson on the lost decade

All great responses. Someone young like my son has 40 plus years of investing. Someone like me does not have that time especially if I want to enjoy the investments. So, as I did when I retired I lowered my AA stocks/fixed income to reduce some risk of the market. This makes even more sense now. I ...
by pkcrafter
Tue Apr 10, 2018 10:50 pm
Forum: Investing - Theory, News & General
Topic: The Slings and Arrows of Passive Fortune
Replies: 4
Views: 1185

Re: The Slings and Arrows of Passive Fortune

^ This is the best researched, most clearly argued 18 pages on the real facts about passive investing that I've seen. This write-up serves as a strong antidote to all the scare articles one sees in the financial press — and should be recommended in every future Forum thread about the "dangers" of p...
by pkcrafter
Tue Apr 10, 2018 3:15 pm
Forum: Investing - Theory, News & General
Topic: Factor Investing - A convincing article
Replies: 60
Views: 4952

Re: Factor Investing - I convincing article

jhfenton wrote: 5 years of underperformance! I'm convinced. :oops: Or perhaps, I'll stick with what has overperformed for me for more than 20 years. Come on, don't leave us in suspense, what is your secret overperformance strategy? For those who aren't familiar with John Bogle's classic Tell Tail C...
by pkcrafter
Tue Apr 10, 2018 10:34 am
Forum: Investing - Theory, News & General
Topic: Factor Investing - A convincing article
Replies: 60
Views: 4952

Re: Factor Investing - I convincing article

I am convinced! https://www.advisorperspectives.com/articles/2018/04/09/factor-investing-what-went-wrong Any comments? Thanks, excellent article from Allan Roth. There are a few investors on the board that have the knowledge and experience to actually capture some of these now you see 'em, now you ...
by pkcrafter
Mon Apr 09, 2018 10:11 pm
Forum: Investing - Help with Personal Investments
Topic: Two Interesting Investing Articles
Replies: 1
Views: 497

Two Interesting Investing Articles

Here are two investing articles that provide the fundamentals of Boglehead investing in a very few words. http://time.com/money/collection-post/3926814/best-investing-books-shiller-malkiel/ All the investment advice you'll ever need. https://www.washingtonpost.com/news/wonk/wp/2013/09/16/this-4x6-in...
by pkcrafter
Mon Apr 09, 2018 1:08 pm
Forum: Investing - Theory, News & General
Topic: "Here’s One Underappreciated Reason Why Index Funds Have Been So Popular"
Replies: 2
Views: 1173

Re: "Here’s One Underappreciated Reason Why Index Funds Have Been So Popular"

Thanks Taylor. I fully agree with the article, and index funds are incredibly hard to beat in a rising market. Index funds have attracted a lot of flip-flop investors and they will drop out when the market falls thus creating a deeper drop.

Paul
by pkcrafter
Mon Apr 09, 2018 12:49 pm
Forum: Investing - Theory, News & General
Topic: I’m looking for a word...
Replies: 114
Views: 9227

Re: I’m looking for a word...

participation effect, a.k.a The Ferri Effect
impetus?
The Ferri Conundrum
The Ferri Puzzle
by pkcrafter
Sun Apr 08, 2018 10:13 pm
Forum: Investing - Theory, News & General
Topic: Help Me Make The Case Against Online Trading Academy
Replies: 33
Views: 2342

Re: Help Me Make The Case Against Online Trading Academy

Yeah, give him a book -- Trade Like Chuck. :happy

Paul