Search found 12759 matches

by pkcrafter
Sat Jul 21, 2018 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for advice on Portfolio
Replies: 14
Views: 860

Re: What to do with a sub par 401k plan?

Wow, this is a bad plan, and the match has been discontinued? Is the plan provided by a small company? Those plans sometimes are more expensive, but there is no excuse for using funds with high 12-b1 fees. I looked at 3 index fund choices and they all have a 0.50% 12b-1 fee (read commission). In add...
by pkcrafter
Fri Jul 20, 2018 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: Am I on the right track?
Replies: 7
Views: 524

Re: Am I on the right track?

Welcome, Hello everyone, new to Bogleheads here. And very new to the investment world. My company is currently switching 401k providers from Merril Lynch to Fidelity. This change has made me start to think more about where my money is being invested. I was previously using the company's default inv...
by pkcrafter
Thu Jul 19, 2018 5:09 pm
Forum: Investing - Help with Personal Investments
Topic: Best Vanguard Fund for 25 year time horizon?
Replies: 8
Views: 1333

Re: Best Vanguard Fund for 25 year time horizon?

Thanks for response! Yes to other assets, this represents maybe 5-10% of net worth, and this is rolling from a roth 401k to a traditional roth ira, so not taxable. This is not investing a lump sum if the money was already invested in another account, it's just a transfer. Think of all retirement ac...
by pkcrafter
Thu Jul 19, 2018 2:14 pm
Forum: Investing - Help with Personal Investments
Topic: Beginner looking for portfolio/investment guidance
Replies: 4
Views: 340

Re: Beginner looking for portfolio/investment guidance

Welcome, Hello! I have been visiting this forum since the start of the year and i'm really impressed with the level of insight and construct feedback provided by its members. So today I figured I would finally make an account and jump into things, here is my situation... Income: $52,000 annually De...
by pkcrafter
Thu Jul 19, 2018 1:14 pm
Forum: Investing - Help with Personal Investments
Topic: Best Vanguard Fund for 25 year time horizon?
Replies: 8
Views: 1333

Re: Best Vanguard Fund for 25 year time horizon?

Looking to invest a lump sum in a low cost vanguard fund with a 25 year horizon to withdrawal. Thoughts from the group on best fund? Hard to give a good answer without more information. Is this in a taxable account? Do you have any other assets? For best replies please post in this recommended form...
by pkcrafter
Thu Jul 19, 2018 9:49 am
Forum: Investing - Help with Personal Investments
Topic: Heresy: Is It Worth Converting tIRAs to Roth?
Replies: 46
Views: 4318

Re: Heresy: Is It Worth Converting tIRAs to Roth?

So, DH is now in his mid-50's, and has ~ $85k in tIRA and a SEP-IRA. We're in the 24% Fed bracket, and ~ 9% state tax bracket. 80%+ of our savings are in tax-deferred accounts. We had planned to convert the IRAs to his Roth, now that the Fed tax brackets are lower. However, we only have ~ 7 years b...
by pkcrafter
Wed Jul 18, 2018 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: Anything wrong with this portfolio?
Replies: 8
Views: 974

Re: Anything wrong with this portfolio?

You're doing fine, but what is making you stay at TDAneritrade? There are a number of posters here that use it, but not much of a fan.

Paul
by pkcrafter
Wed Jul 18, 2018 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: How do you handle the urge to DO something?
Replies: 102
Views: 6476

Re: How do you handle the urge to DO something?

The Boglehead philosophy is to decide on your long term investment strategy, allocate your assets accordingly and then do nothing outside of an annual rebalance for the next 20/30/40/50+ years. That is difficult for me because I am a doer, I have to struggle daily to just leave it. My brain knows i...
by pkcrafter
Wed Jul 18, 2018 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: Anything wrong with this portfolio?
Replies: 8
Views: 974

Re: Anything wrong with this portfolio?

Your making progress, and your portfolio is fine, but just for a little more information-- VEA is not total total international, nor is MSCI EAFE, so you don't have any emerging markets. If you want to approximate total stock market (not really necessary), see this. Your 2% small cap isn't going to ...
by pkcrafter
Tue Jul 17, 2018 6:08 pm
Forum: Investing - Help with Personal Investments
Topic: How to reinvest previous years gains to facilitate compounding effect.
Replies: 6
Views: 760

Re: How to reinvest previous years gains to facilitate compounding effect.

Hi everyone. I have a simple question regarding investing, but one that I am having difficulty getting my head around: How do I reinvest the money earned in interest from the previous investment year? Do I simply divide it into three parts according to the ratio I have decided upon (65/25/10) and p...
by pkcrafter
Tue Jul 17, 2018 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: Assistance Needed with Moving SIMPLE IRA
Replies: 6
Views: 193

Re: Assistance Needed with Moving SIMPLE IRA

No, it doesn't sound right. Here's IRS information. Transfers from SIMPLE IRAs You may be able to transfer money in a tax-free rollover from your SIMPLE IRA to another IRA (except a Roth IRA) or to an employer-sponsored retirement plan (such as a 401(k), 403(b), or governmental 457(b) plan). However...
by pkcrafter
Tue Jul 17, 2018 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: Smart401K going away
Replies: 11
Views: 1018

Re: Smart401K going away

The cost was $200 dollars per year. Totally unnecessary. I'm currently using the Smart401K service to determine the asset allocation for my 401K. Smart401K is going out of business at the end of this month. Does anyone know of a similar service that I could switch to? Thanks. Yes, Bogleheads--no ch...
by pkcrafter
Tue Jul 17, 2018 3:50 pm
Forum: Investing - Help with Personal Investments
Topic: Kids Investemnt Advice
Replies: 3
Views: 249

Re: Kids Investemnt Advice

What state plan?

I believe your parents can each gift 15k to each grandchild--30k each. Your state probably has other limits for your contributions.

Paul
by pkcrafter
Tue Jul 17, 2018 10:10 am
Forum: Investing - Help with Personal Investments
Topic: Smart401K going away
Replies: 11
Views: 1018

Re: Smart401K going away

Was there a cost to use "smart" 401k, if so, what was it?

Paul
by pkcrafter
Tue Jul 17, 2018 10:01 am
Forum: Investing - Help with Personal Investments
Topic: Why is my bond fund going up with interest rates?
Replies: 16
Views: 1524

Re: Why is my bond fund going up with interest rates?

My take is different. There was so much worry about bonds losing money that people sold out of them back in early May in an emotional behavioral finance mistake . Bonds got oversold. One could tell this because of the large, single-day drop. Then people came to their senses and had to buy back into...
by pkcrafter
Mon Jul 16, 2018 10:34 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me untangle this mess!
Replies: 17
Views: 2489

Re: Please help me untangle this mess!

Comments in blue... Emergency funds: Six months of expenses Debt: Only debt is mortgage @3.25%; will be paid off in 7yrs Tax Filing Status: Married Filing Jointly Tax Rate: 15% Federal, 4% State State of Residence: PA Age: 39/39 Desired Asset allocation: 85% stocks / 15% bonds Desired International...
by pkcrafter
Mon Jul 16, 2018 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: Advice adjusting Asset Allocation
Replies: 25
Views: 1286

Re: Advice adjusting Asset Allocation

Always consider all accounts as part of one portfolio, so yes, increase bonds in the 401k. DODIX probably best choice, but you could also put 25-30% into TSYYX. It's shorter duration, but lower quality. I'm thinking of using a low cost Vanguard Target fund that has lots of bonds in that account. Lo...
by pkcrafter
Mon Jul 16, 2018 4:27 pm
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 192
Views: 30316

Re: NY Times reviews Taylor's Guide to the Three Fund Portfolio

I disagree with a one of the reviewer's comments. I could have done without the constant praise from his fellow Bogleheads — who are known only by their initials in the book — for the three-fund idea. It’s a good idea. Fine. No need to keep saying so. I think he is dead wrong. A big challenge with ...
by pkcrafter
Mon Jul 16, 2018 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: Advice adjusting Asset Allocation
Replies: 25
Views: 1286

Re: Advice adjusting Asset Allocation

Welcome, Can use some help from the group. I am just shy of 61 and my wife and I are planning to retire in 2 or 3 years. We have no debt, own our home that we plan to remain in, and currently have around $2.6 million saved - about 1.85M in 401k/IRAs and $750k in taxable accounts. I know most would ...
by pkcrafter
Sun Jul 15, 2018 7:46 pm
Forum: Investing - Help with Personal Investments
Topic: All-In VTSAX
Replies: 37
Views: 3874

Re: All-In VTSAX

Hawaiianshrimp: Current AA: 67% US, 33 % Int'l How about dropping int'l to 20% and forgetting about it? I suspect the comments you found annoying are focused on the behavioral aspects of your decision, but you did ask for feedback. In the end it's still your decision and there are many other decisio...
by pkcrafter
Sun Jul 15, 2018 5:41 pm
Forum: Investing - Theory, News & General
Topic: turnover rate impact on return
Replies: 13
Views: 834

Re: turnover rate impact on return

Here is some information on tax-efficiency. VSIIX is pretty tax efficient. Can you get access to that fund in a taxable account?

https://www.bogleheads.org/wiki/Tax-eff ... _placement

Paul
by pkcrafter
Sat Jul 14, 2018 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: 26 years old. Roth ira with edward jones last 3.5 years.
Replies: 44
Views: 2543

Re: 26 years old. Roth ira with edward jones last 3.5 years.

VG will charge $40 to sell each fund, and I've never heard of them waving that fee. Fidelity may wave fees. You are correct that EJ will charge $95 to close the account. To move the Roth, contact the receiving company and do a custodian to custodian transfer. The receiving company will give you the ...
by pkcrafter
Fri Jul 13, 2018 10:36 am
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 318
Views: 26334

Re: free dinner investing seminar

For you free dinner pros who enjoy the dinners and never sign up, if you keep that up the sales people may see that new sign-ups aren't covering the cost of dinner and they will have to offer something more tempting. Keep up the good work. :happy

Paul
by pkcrafter
Fri Jul 13, 2018 12:12 am
Forum: Investing - Help with Personal Investments
Topic: Traditional IRA Withdrawal and Tax Stategy
Replies: 4
Views: 436

Re: Traditional IRA Withdrawal and Tax Stategy

I will need to withdraw between $450K to $550K from my traditional IRA for a home purchase. I am 65 yrs. old, retired and collecting SSDI with plans to suspend this at age 66 when it converts to SS retirement until I reach 70. I am looking for strategies to manage the income tax on this withdrawal....
by pkcrafter
Thu Jul 12, 2018 11:45 pm
Forum: Investing - Help with Personal Investments
Topic: Admiral shares: VWUSG vs VWUAG
Replies: 6
Views: 709

Re: Admiral shares: VWUSG vs VWUAG

Yep those are the right ones sorry was posting on my phone. So if convert to admiral shares do I have to pay any sales fees or taxes? What if I decide to move money to another vanguard fund? No fee and no tax on conversion to admiral shares. Yes on taxes if you shift to another fund. You didn't ask...
by pkcrafter
Thu Jul 12, 2018 5:30 pm
Forum: Investing - Help with Personal Investments
Topic: Questions about my perspective on bond funds
Replies: 13
Views: 906

Re: Questions about my perspective on bond funds

My minds perspective sees the following in regards to bond funds after reading too many forum threads on them. Rising rates have dropped bond fund share prices-I see this as a firesale and want to buy the dips now for future growth. Buy total bond fund as its share price is a “value” that will long...
by pkcrafter
Thu Jul 12, 2018 3:20 pm
Forum: Investing - Help with Personal Investments
Topic: Self Employed 48years old and nothing saved for retirement
Replies: 40
Views: 4766

Re: Self Employed 48years old and nothing saved for retirement

Zhawk, it's good that you are now realizing it is a very high priority to build assets to be used in retirement. You probably should be saving/investing at least 15% of your income because you will need about 25x your spending rate saved to make the "safe" withdrawal rate of 4%. The longer you can l...
by pkcrafter
Thu Jul 12, 2018 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: What is a shell account?
Replies: 7
Views: 715

Re: What is a shell account?

Rosie: My husbands company has their 401K invested in American Funds through a local financial services company. We got a letter from the company's representative that said -"We have been doing some housekeeping and it was discovered that we do not have a "shell" account for the following account he...
by pkcrafter
Thu Jul 12, 2018 10:49 am
Forum: Investing - Help with Personal Investments
Topic: Admiral shares: VWUSG vs VWUAG
Replies: 6
Views: 709

Re: Admiral shares: VWUSG vs VWUAG

Welcome DDS, All ticker symbols end with X, so I'm guessing you are concerned with VWUSX, Vanguard Growth investor shares and VWUAX, Vanguard Growth admiral shares. These are two classes of the same fund. https://investor.vanguard.com/mutual-funds/profile/portfolio/vwusx https://investor.vanguard.co...
by pkcrafter
Wed Jul 11, 2018 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: When asking advice
Replies: 11
Views: 1605

Re: When asking advice

When I send you what is available in workplace retirement accounts, do you want each available fund listed with ticker symbol and name, and cost, or just the info on the ones I am invested in? What we are really looking for is low-cost index fund options and they will always be recommended, so you ...
by pkcrafter
Wed Jul 11, 2018 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 318
Views: 26334

Re: free dinner investing seminar

47Percent-- There may even be a shill planted to ask the question just at the right time. I've always been very suspicious of that. Ah, Victoria, your dinner description sounds far worse that the pitch one has to endure. Maybe they should say, "Stay and listen and sign up for the old equity indexed ...
by pkcrafter
Wed Jul 11, 2018 9:30 am
Forum: Investing - Help with Personal Investments
Topic: When asking advice
Replies: 11
Views: 1605

Re: When asking advice

When I send you what is available in workplace retirement accounts, do you want each available fund listed with ticker symbol and name, and cost, or just the info on the ones I am invested in? What we are really looking for is low-cost index fund options and they will always be recommended, so you ...
by pkcrafter
Tue Jul 10, 2018 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: Avoided Ameriprise thanks to this forum! Now what??
Replies: 11
Views: 1282

Re: Avoided Ameriprise thanks to this forum! Now what??

Thank you, ExitStageLeft and Duckie, for your quick replies and thoughtful advice. I updated the post to include more details and % of the total portfolio. I did this at the account level as opposed to the asset level, since I will plan to sell all assets within the accounts to move to the three-fu...
by pkcrafter
Tue Jul 10, 2018 11:08 am
Forum: Investing - Help with Personal Investments
Topic: What's up with Wells Fargo
Replies: 27
Views: 2881

Re: What's up with Wells Fargo

Several years ago I helped my son setup a Wells Account to put some excess cash in. My son has some disabilities so I help him with his accounts. We got a letter yesterday requiring us to verify the account or it will be considered abandoned. :shock: The funny thing is we log into the account month...
by pkcrafter
Tue Jul 10, 2018 9:58 am
Forum: Investing - Help with Personal Investments
Topic: Investing cash into Vanguard target retirement fund
Replies: 20
Views: 1876

Re: Investing cash into Vanguard target retirement fund

Johnkgan - I am 21 years old finishing college next year. I have inherited some cash which is in my savings account in a bank. I plan to invest that in something that could grow and come in handy a few years later for down payment of a house or may be longer term. If you plan to use some or all of t...
by pkcrafter
Tue Jul 10, 2018 8:25 am
Forum: Investing - Help with Personal Investments
Topic: Target date funds....unsophisticated?
Replies: 64
Views: 4545

Re: Target date funds....unsophisticated?

Sophistication has nothing to do with sound investing fundamentals. Aiming for a sophisticated portfolio, whatever that is, seems to fall into the behavioral, ego-feeding category. Taylor Larimore doesn't say aim for sophistication, he says aim for simplicity. If someone invests in a Target Fund tha...
by pkcrafter
Mon Jul 09, 2018 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: Expense Ratios Correlation with Returns
Replies: 6
Views: 589

Re: Expense Ratios Correlation with Returns

Some years ago, the SEC produced an official notice that expense ratios hurt returns. Link below. The gist is that expense ratios are a better predictor than past returns of future returns. Does anyone know how this is calculated exactly? I believe that a significant (negative) correlation is prese...
by pkcrafter
Mon Jul 09, 2018 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: Roth Account
Replies: 4
Views: 399

Re: Roth Account

Often a Target Date or LifeStrategy can be that one fund. Pick the one that matches your desired mix of stocks/bonds to keep your asset mix where you want. 70/30, 60/40 stocks/bonds, etc. I really like the LifeStrategy family of funds. Tell us about your tolerance for account balance volatility (in...
by pkcrafter
Mon Jul 09, 2018 10:45 am
Forum: Investing - Help with Personal Investments
Topic: New and looking for help simplifying portfolio for FIRE(?)
Replies: 25
Views: 1874

Re: New and looking for help simplifying portfolio for FIRE(?)

Welcome to the forum, Introduction I came across Bogleheads back in 2016 when I wanted to be more clued into investment choices, but totally got intimidated/overwhelmed with the amount of info available. You got intimidated/overwhelmed? And look what you have now--a blivit! This really shakes my vi...
by pkcrafter
Sun Jul 08, 2018 10:06 pm
Forum: Investing - Help with Personal Investments
Topic: What did you sign with your financial advisor?
Replies: 14
Views: 1387

Re: What did you sign with your financial advisor?

ThriftyPhD I don't give my plumber POA to my brokerage account so he can withdraw his fee, I write a check when my sink starts working again. Why would be be different for a fee only advisor? But it is different. Very few investors pay an advisor by check or card. gwrvmd You allow a fee only advisor...
by pkcrafter
Sun Jul 08, 2018 11:14 am
Forum: Investing - Help with Personal Investments
Topic: [Moving from Edward Jones to Vanguard, paperwork help requested]
Replies: 3
Views: 463

Re: [Moving from Edward Jones to Vanguard, paperwork help requested]

[Moved into a stand-alone post from: Moving away from Edward Jones to Vanguard --admin LadyGeek] I'm assisting my parents in moving one of their accounts from EJ to Vanguard. One of their accounts is the infamous Advisory Solution Fund Model. I attempted to fill out the paperwork to transfer this a...
by pkcrafter
Sat Jul 07, 2018 9:29 pm
Forum: Investing - Theory, News & General
Topic: Girls and investing
Replies: 115
Views: 5635

Re: Girls and investing

bottlecap wrote:
Sat Jul 07, 2018 9:21 pm
My oldest is 7. I don’t think I’m going to teach her about investing. Stuff like saving is more digestible and important at this point.

Yes, one must learn to save before there is anything to invest. :happy

Paul
by pkcrafter
Sat Jul 07, 2018 1:39 pm
Forum: Investing - Theory, News & General
Topic: M* article on Taylor Larimore
Replies: 6
Views: 1699

M* article on Taylor Larimore

M*'s John Rekenthaler article on Taylor Larimore's book, "The Bogleheads' Guide to the Three-Fund Portfolio."

https://www.morningstar.com/articles/87 ... folio.html

Paul
by pkcrafter
Sat Jul 07, 2018 12:32 am
Forum: Investing - Help with Personal Investments
Topic: Please help with my 401k allocation at my second job
Replies: 12
Views: 847

Re: Please help with my 401k allocation at my second job

Rei, welcome, Suggested funds Vanguard Inst. Index (S%P500) Fidelity Extended Mkt Fidelity International (developed markets) Vanguard Total Bond or the very simple target date fund that matches your target asset allocation. 3-fund portfolio. https://www.bogleheads.org/forum/viewtopic.php?f=10&t=8800...
by pkcrafter
Fri Jul 06, 2018 11:30 pm
Forum: Investing - Help with Personal Investments
Topic: Upping my retirement savings game
Replies: 11
Views: 2208

Re: Upping my retirement savings game

Welcome Jack, I don't know what I can recommend that you aren't already doing, but are you now making tax-deductible contributions to a company plan? What kind of plan? In your tax bracket it's probably better to make tax-deductible contributions. You can then contribute $5,500 to an IRA or Roth, al...
by pkcrafter
Fri Jul 06, 2018 9:53 am
Forum: Investing - Help with Personal Investments
Topic: Wanting to self-manage retirement accounts - Advice Requested
Replies: 12
Views: 1482

Re: Wanting to self-manage retirement accounts - Advice Requested

amiller, you are well informed, organized and will have no problem managing your own accounts. You didn't specify your withdrawal rate, but I'm guessing it's 3% or maybe a bit less. 4% is still considered safe. When considering AA (asset allocation) you have to consider need, ability and willingness...
by pkcrafter
Thu Jul 05, 2018 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: Financial Advisor: Jazz Wealth (CRD #282807)
Replies: 21
Views: 987

Re: Financial Advisor: Jazz Wealth (CRD #282807)

cheese_breath wrote:
Thu Jul 05, 2018 11:25 am
59 Google reviews, a great number of them within the past month, and not one less than 5 stars. Does that make anyone suspicious?
I'm no longer suspicious. I now know that it is common practice to front-load reviews on new products. :shock:

Paul