Search found 12207 matches

by pkcrafter
Sun Jan 21, 2018 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: Rollover 401k from Hewitt via rollovercentral.com and 401k account numbers
Replies: 2
Views: 122

Re: Rollover 401k from Hewitt via rollovercentral.com and 401k account numbers

I'm trying to complete a 401k rollover from my old employer at Hewitt and it's asking me to add a rollover account to the file before I can initiate the rollover. When trying to add the rollover account, it's sending me to rollovercentral.com This appears to be a new service. Here's some info. If t...
by pkcrafter
Sun Jan 21, 2018 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Going Bogle
Replies: 12
Views: 1422

Re: Going Bogle

Is the 401k pre-tax, after-tax, or some of both? I also assume Ameritrade is available through your Solo 401k. Is there an additional fee for that? No total international? You also have total market plus small caps, so that is an overweight, but fine if that was our goal. Do the following funds lis...
by pkcrafter
Sun Jan 21, 2018 9:37 am
Forum: Investing - Theory, News & General
Topic: "Why You Should Probably Just Give Up Trying To Beat The Stock Market"
Replies: 12
Views: 1622

Re: "Why You Should Probably Just Give Up Trying To Beat The Stock Market"

Thanks Taylor. The article is short and to the point, and the message is clear. Hulbert did not go into the reasons mutual funds and stock pickers don't consistently stay above average except to say it's quite difficult. Investors need to understand this before they ask "What should I do about it." ...
by pkcrafter
Sat Jan 20, 2018 9:18 pm
Forum: Investing - Theory, News & General
Topic: Corrections and Bears since 1900
Replies: 3
Views: 362

Re: Corrections and Bears since 1900

If you want to be a Boglehead (efficient investor) you have to have the right AA and hold for years/decades. I don't necessarily agree with the article on what you should do and when. It's interesting to note that 2.5 years ago we were due for a correction and volatility was expected to increase. Y...
by pkcrafter
Sat Jan 20, 2018 8:24 pm
Forum: Investing - Theory, News & General
Topic: Corrections and Bears since 1900
Replies: 3
Views: 362

Corrections and Bears since 1900

Here's an article that shows the number and length of corrections and bear markets from 1900. If you are fairly new to investing and are nervous, this information may help, but I'll also add if you are really worried about your asset allocation, it may be too high. Having said that, if you cut back ...
by pkcrafter
Sat Jan 20, 2018 6:20 pm
Forum: Investing - Help with Personal Investments
Topic: Going Bogle
Replies: 12
Views: 1422

Re: Going Bogle

I think I should have described better. All of my solo 401k is pre-tax , and in 2018 all of my contributions will be pre-tax. My income is > $200k for 2016, 2017, and 2018 and I am self-employed, so I am putting away the maximum. It is likely that in 5-10 years my income will be considerably lower,...
by pkcrafter
Fri Jan 19, 2018 10:20 pm
Forum: Investing - Theory, News & General
Topic: Interesting PIMCO Article on Credit Risk in BBB Corporates
Replies: 1
Views: 386

Re: Interesting PIMCO Article on Credit Risk in BBB Corporates

I don't see anything but a sales pitch. Apparently only PIMCO can save us.

Paul
by pkcrafter
Fri Jan 19, 2018 8:17 pm
Forum: Investing - Help with Personal Investments
Topic: Keeping it in a shoe-box is a safer AA
Replies: 33
Views: 2869

Re: Keeping it in a shoe-box is a safer AA

My very elderly in-law just inherited 1.2 million in stocks, no bonds. Apparently her late husband was 100% equity. Would selling all the equity and moving to one balanced fund be the proper course here? Vanguard Wellesley perhaps? Taxable account? Is it stocks or funds? Paul Mixed stocks and some ...
by pkcrafter
Fri Jan 19, 2018 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: Keeping it in a shoe-box is a safer AA
Replies: 33
Views: 2869

Re: Keeping it in a shoe-box is a safer AA

zz4 wrote:
Fri Jan 19, 2018 6:42 pm
My very elderly in-law just inherited 1.2 million in stocks, no bonds. Apparently her late husband was 100% equity. Would selling all the equity and moving to one balanced fund be the proper course here? Vanguard Wellesley perhaps?
Taxable account? Is it stocks or funds?

Paul
by pkcrafter
Fri Jan 19, 2018 11:47 am
Forum: Investing - Help with Personal Investments
Topic: MEC's instead of Bonds?
Replies: 18
Views: 714

Re: MEC's instead of Bonds?

Would you consider using MEC's instead of Bonds for AA? No. Please explain your negative response. Not jg, but: One Modified Endowment Contract (MEC) that I am looking at is a completely liquid instrument that can grow a maximum of 9% in a year 9% tells me this is a risky asset and not bond-like at...
by pkcrafter
Thu Jan 18, 2018 10:47 pm
Forum: Investing - Help with Personal Investments
Topic: Confused with what to do with money-Looking for guidance
Replies: 8
Views: 790

Re: Confused with what to do with money-Looking for guidance

Welcome, First thing you need to do is ramp up on the learning curve. Here is a link to Getting Started-- https://www.bogleheads.org/wiki/Bogleheads%C2%AE_personal_finance_planning_start-up_kit This will also help https://gallery.mailchimp.com/34a7cea33f33e45eedceea223/files/212585d4-0b93-42c6-aeda-...
by pkcrafter
Thu Jan 18, 2018 10:15 pm
Forum: Investing - Help with Personal Investments
Topic: Need a plan for Roth IRA after switch
Replies: 2
Views: 203

Re: Need a plan for Roth IRA after switch

Welcome to the forum Hello! I am currently with a financial advisor that I signed on with through my parents in my early 20s. Over the past year, I've learned a bit more about investing and the expense to invest. After getting information on what I am currently paying to maintain and purchase the fu...
by pkcrafter
Thu Jan 18, 2018 8:57 pm
Forum: Investing - Theory, News & General
Topic: Is there a reason I can't do a single-transaction rebalance in my IRAs?
Replies: 9
Views: 930

Re: Is there a reason I can't do a single-transaction rebalance in my IRAs?

Oreamnos, your rebalancing sounds complicated. What is your AA, how many funds total, how often are you rebalancing? Not complicated at all; just your basic 3 fund kinda thing. Doing separate transactions for the rebalance isn't hard, it just requires doing a touch of easy math. But the way it's im...
by pkcrafter
Thu Jan 18, 2018 7:58 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie wanting to INVEST!
Replies: 26
Views: 1699

Re: Newbie wanting to INVEST!

Take a look at the options in your tax deferred options at work. Look for a target date fund, something with 2040 - 2050 in the name. If the expenses are less than 0.2%, that is a very good option. If the expenses are 0.5% or less, than it is still an okay option. A target date fund is the easiest ...
by pkcrafter
Thu Jan 18, 2018 7:08 pm
Forum: Investing - Theory, News & General
Topic: Is there a reason I can't do a single-transaction rebalance in my IRAs?
Replies: 9
Views: 930

Re: Is there a reason I can't do a single-transaction rebalance in my IRAs?

Oreamnos, your rebalancing sounds complicated. What is your AA, how many funds total, how often are you rebalancing?


Paul
by pkcrafter
Thu Jan 18, 2018 3:25 pm
Forum: Investing - Theory, News & General
Topic: $399 - New Course - Fire your Financial Advisor - By WhiteCoat Investor - Anyone?
Replies: 121
Views: 7085

Re: $399 - New Course - Fire your Financial Advisor - By WhiteCoat Investor - Anyone?

p.s. A shout out to the owners of this forum. When I read someone making money of others for personal finance advice I am MORE amazed the folks on this site have stuck to their ethics and don't charge and don't take advertisement money either. Much respect. Many roads to Dublin. I love the Boglehea...
by pkcrafter
Thu Jan 18, 2018 12:43 pm
Forum: Investing - Theory, News & General
Topic: $399 - New Course - Fire your Financial Advisor - By WhiteCoat Investor - Anyone?
Replies: 121
Views: 7085

Re: $399 - New Course - Fire your Financial Advisor - By WhiteCoat Investor - Anyone?

White Coat Investor's class is specifically aimed at doctors with very high incomes. They do require selective help in money management.

Paul
by pkcrafter
Wed Jan 17, 2018 11:27 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice for New Investor
Replies: 1
Views: 119

Re: Portfolio Advice for New Investor

Welcome to the forum. Perhaps you have not yet received feedback because there isn't much wrong here. :sharebeer You've got a great 401k and you're using Vanguard. The only comment I might have is to think of all accounts as one portfolio. That can avoid unnecessary duplication. You might consider h...
by pkcrafter
Tue Jan 16, 2018 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: ThomasPartners Dividend Growth Question.
Replies: 14
Views: 1505

Re: ThomasPartners Dividend Growth Question.

I assumed Thomas Partners was a mutual fund, but can't find a ticker. Maybe it just a stock account. The following is interesting, and makes me wonder exactly what the total fees really are. Note too that returns are listed back to 2003, but Schwab did not partner up with Thomas until 2013. Addition...
by pkcrafter
Tue Jan 16, 2018 11:28 am
Forum: Investing - Theory, News & General
Topic: Investment Grade (barely)
Replies: 9
Views: 1083

Re: Investment Grade (barely)

This is exactly why Im 100% stocks and unapologetic about it. There is nothing new about this. It is in the inherent nature of profit seeking to reach unduly for yield. When the only thing holding one back from reaching for yield is a risk analysis and self discipline, I think it inevitable for suc...
by pkcrafter
Tue Jan 16, 2018 10:12 am
Forum: Investing - Theory, News & General
Topic: AA is much harder than I thought...
Replies: 44
Views: 4414

Re: AA is much harder than I thought...

rudeboy: Everything I have learned tells me that I should be buying bonds right now -- the 'trendiness' of 100% stocks (and their meteoric rise), the bleak projections for bonds, etc.. but yet, yesterday I logged into my 401k and bought 3k more of the Total Stock Index, bringing my allocation to 97/...
by pkcrafter
Sun Jan 14, 2018 10:26 pm
Forum: Investing - Theory, News & General
Topic: Know your Broker
Replies: 1
Views: 490

Re: Know your Broker

Good recommendation. Also check Form ADV-II

Paul
by pkcrafter
Sun Jan 14, 2018 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: Roll SGENX to Thrift Savings
Replies: 15
Views: 627

Re: Roll SGENX to Thrift Savings

If you are actually holding the fund at First Eagle, then you are probably paying a management fee also.

Paul
by pkcrafter
Sun Jan 14, 2018 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: Roll SGENX to Thrift Savings
Replies: 15
Views: 627

Re: Roll SGENX to Thrift Savings

Thank you for your replies and clarifying for me that the TSP is not an IRA. I have gotten into this so late in life but am trying to learn and play catch up. I have the SGENX fund through First Eagle. Would that be the custodian? I am not yet maxing out my TSP so any additional contributions I can...
by pkcrafter
Sun Jan 14, 2018 10:50 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Revised
Replies: 15
Views: 996

Re: Asset Allocation Revised

I don't understand what is going on here. If you don't like equities / stocks, then don't buy them. The question should be: Will your money last as long as needed if it just stays in cash and/or high quality Treasuries? If the answer is Yes, then there is your answer. Livesoft has provided the righ...
by pkcrafter
Sat Jan 13, 2018 12:35 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for advice for new 401k fund choices
Replies: 3
Views: 251

Re: Looking for advice for new 401k fund choices

Total stock market is probably your best choice for equity. Holding the S&P500 index and extended market only makes sense if you wanted to overweight mid caps. For bonds, you don't have any clear best choices. Baird is a reasonable choice although it's overall rating is BBB. It lost 2% in 2008 where...
by pkcrafter
Sat Jan 13, 2018 11:43 am
Forum: Investing - Help with Personal Investments
Topic: Capital Preservation after an 8 year bull market
Replies: 17
Views: 1956

Re: Capital Preservation after an 8 year bull market

Welcome, Sorry for taking a hard line here, but you have been very lucky. You have 500k, but not 500k in retirement assets As mentioned, money needed is 5 years should not be counted in with retirement assets, and should not be in the stock market. You need to correct this now. Money for the house a...
by pkcrafter
Fri Jan 12, 2018 5:44 pm
Forum: Investing - Theory, News & General
Topic: 4% Withdrawal vs Yield as Income
Replies: 41
Views: 2164

Re: 4% Withdrawal vs Yield as Income

Taking Dividends vs reinvesting dividends http://i55.tinypic.com/2ry1szo.jpg In addition to the obvious, if you take dividends you lose control of when to make withdrawals. You would not want to take dividends when the market is down. You would want to reinvest them and buy at the lower price. Paul
by pkcrafter
Fri Jan 12, 2018 10:51 am
Forum: Investing - Help with Personal Investments
Topic: Musician Asking for Advice
Replies: 8
Views: 1023

Re: Musician Asking for Advice

Welcome to the forum. Hi guys, I'm a freelance musician and a year removed from graduating with my doctorate in music education. I've been working on building my performance and education resume by doing gigs and adjunct teaching. My current income(40-50k) is solid for my low day to day overhead but...
by pkcrafter
Thu Jan 11, 2018 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: 401K high fees, no match - don't use it? Backdoor Roth instead...
Replies: 24
Views: 1064

Re: 401K high fees, no match - don't use it? Backdoor Roth instead...

Most 401k have significant fees, One percent is not unusual, if that's all there is! Are there any low cost funds in the 401k? Are you able to transfer funds out of the 401k while employed? High cost of 401k plans https://www.kiplinger.com/article/saving/T001-C000-S002-the-high-cost-of-401-k-fees-ho...
by pkcrafter
Thu Jan 11, 2018 7:35 pm
Forum: Investing - Help with Personal Investments
Topic: Help me stop my addiction to stock market peeping!
Replies: 66
Views: 4453

Re: Help me stop my addiction to stock market peeping!

Help me stop my addiction to stock market peeping!
You'll poke your eye out! :shock:
by pkcrafter
Thu Jan 11, 2018 12:14 pm
Forum: Investing - Theory, News & General
Topic: Running Maximum Withdrawal Percentage: Any data on this?
Replies: 26
Views: 1544

Re: Running Maximum Withdrawal Percentage: Any data on this?

As far as I can tell what you are asking for is exactly that 4% we are talking about. No, not quite dbr. The posters AlohaJoe, bigred77, livesoft all pointed me in the direction I was (am) exploring. I am looking for the max withdrawal percentage on a rolling basis for the last century or so. I gue...
by pkcrafter
Thu Jan 11, 2018 11:59 am
Forum: Investing - Theory, News & General
Topic: How do you time the market when you have to?
Replies: 14
Views: 940

Re: How do you time the market when you have to?

I know timing the market is frowned upon in general, but there are times it's necessary- like when moving money around. I just pulled the trigger yesterday on a 401k rollover (had to be liquidated). This 401k was about half full of mid and small caps, which, of course, are up pretty good today. So,...
by pkcrafter
Thu Jan 11, 2018 11:47 am
Forum: Investing - Theory, News & General
Topic: If I have a million with Edward Jones, in 10 years, how much money has my FA made off me?
Replies: 48
Views: 6307

Re: If I have a million with Edward Jones, in 10 years, how much money has my FA made off me?

Meg77 EJ doesn't charge AUM fees EJ is moving all customers to Guided Solutions. Here is the fee schedule: Value of Assets in Account, Annual Fee Rate First$250,000 1.35% Next$250,000 1.30% Next $500,000 1.25% Next $1,500,000 1.00% Notice that if a client has 1M, the fee is not 1.25. The client stil...
by pkcrafter
Wed Jan 10, 2018 8:32 pm
Forum: Investing - Help with Personal Investments
Topic: Brazilian Boglehead needs help with Ireland Domiciled ETFs
Replies: 9
Views: 386

Re: Brazilian Boglehead needs help

Wecome, We do have some members who are familiar with ETF's domiciled in Ireland, but it might help if you edited your title to include those words to alert them. Something like "Help with ETFs domiciled in Ireland" Go to your original post and up in the right corner is an image of a pencil. Click o...
by pkcrafter
Wed Jan 10, 2018 8:04 pm
Forum: Investing - Help with Personal Investments
Topic: Sequence of Return Risk impact on Retirement
Replies: 103
Views: 4252

Re: Sequence of Return Risk impact on Retirement

If, at age 62 with retirement pending and the retiree needing all of 4% for normal household operations, then I would think something like a 40/60 AA might provide a better chance of keeping the wheels from falling off in the event of an early crash. The problem would be worse right after retirement...
by pkcrafter
Wed Jan 10, 2018 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: First trust rising dividend achievers etf-RDVY
Replies: 3
Views: 188

Re: First trust rising dividend achievers etf-RDVY

Is this account for college funding or just a general account? If college, you should be using a 529 plan.

I didn't see a load on the fund, but I wouldn't be surprised if MS charged you a fee to get it. It is a 100% stock fund with more volatility than total market.

Paul
by pkcrafter
Wed Jan 10, 2018 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: 401k withdrawl question for a friend...
Replies: 8
Views: 558

Re: 401k withdrawl question for a friend...

No emergency fund? I agree, taking money from a 401k for this reason is not a good strategy.

Paul
by pkcrafter
Wed Jan 10, 2018 1:37 pm
Forum: Investing - Help with Personal Investments
Topic: Help with unique situation [stayed out of market since 2008]
Replies: 34
Views: 3841

Re: Help with unique situation [stayed out of market since 2008]

stocknoob, it's clear that you were really spooked even before 2008 and you didn't invest in your 401k between 2007 and 2012? While I agree that experience can help with emotional control, I don't think you are a candidate for a 100% stock portfolio. Just because there has not been a trigger for awh...
by pkcrafter
Wed Jan 10, 2018 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: Help -- Confusion about difference between fund performance/cost-basis gains-losses
Replies: 5
Views: 237

Re: Help -- Confusion about difference between fund performance/cost-basis gains-losses

Here is the performance of your bond fund. Use the sliders at the bottom of the chart to select the time frame you want to look at. Check the date in the upper left corner of the chart to target your desired date. That date change as you move the slider or by scrolling along the performance line. ht...
by pkcrafter
Wed Jan 10, 2018 11:59 am
Forum: Investing - Help with Personal Investments
Topic: Advice needed on my portfoilo
Replies: 22
Views: 1647

Re: Advice needed on my portfoilo

t88, I was going to comment on your asset allocation too, but retiredjg has now covered it, so I'll just add a bit more explanation. When choosing an asset allocation (AA), you need to assess need to take risk, ability, and willingness. In your situation, you do have a lot of need, but you don't hav...
by pkcrafter
Tue Jan 09, 2018 10:18 pm
Forum: Investing - Help with Personal Investments
Topic: A newb question about using Fin planner
Replies: 43
Views: 1562

Re: A newb question about using Fin planner

Fidelity has comparable funds to Vanguard with equal low cost. In an earlier post, I suggested a Fidelity target retirement index fund to begin. Link is in earlier post. This gives you several funds in one and rebalancing is automatic. These funds are great when just starting out because when you go...
by pkcrafter
Tue Jan 09, 2018 3:45 pm
Forum: Investing - Help with Personal Investments
Topic: A newb question about using Fin planner
Replies: 43
Views: 1562

Re: A newb question about using Fin planner

:sharebeer I am doing something about being illiterate, but may be slow at it. :sharebeer Slow is good! I am searching for risk, searching for the guy that may trade my money 3 times in a quarter to reap benefits as the market moves and shifts. Am I a complete idiot for this? Uh, YES! Paul Care to e...
by pkcrafter
Tue Jan 09, 2018 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: A newb question about using Fin planner
Replies: 43
Views: 1562

Re: A newb question about using Fin planner

I am doing something about being illiterate, but may be slow at it. :sharebeer

Slow is good!
I am searching for risk, searching for the guy that may trade my money 3 times in a quarter to reap benefits as the market moves and shifts. Am I a complete idiot for this?
Uh, YES!

Paul
by pkcrafter
Tue Jan 09, 2018 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: A newb question about using Fin planner
Replies: 43
Views: 1562

Re: A newb question about using Fin planner

Hoggrad: But being absolutely info illiterate on this stuff, my concern is my little bit of protection. Your first concern should be that you are absolutely illiterate on investing, and you should do something about it. A lifetime of bad investing habits will cost you tens of thousands of dollars. T...
by pkcrafter
Mon Jan 08, 2018 11:12 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard/Newport wants $6,500+ in fees for 403(b)
Replies: 11
Views: 1048

Re: Vanguard/Newport wants $6,500+ in fees for 403(b)

How do you convert to an ERISA plan? Oh, I see that if you have at least one employee the plan can qualify.

Have you looked at all the other small business plans at Vanguard?

Have you checked with Fidelity?


Paul
by pkcrafter
Mon Jan 08, 2018 10:01 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard/Newport wants $6,500+ in fees for 403(b)
Replies: 11
Views: 1048

Re: Vanguard/Newport wants $6,500+ in fees for 403(b)

FM, I don't know if I can provide any answers because I only have a few questions. From Vanguard: 403(b) plans are generally offered by public education institutions and certain tax-exempt organizations. Is your business education or a tax-exempt organization? I ask because these may be exempt from ...
by pkcrafter
Mon Jan 08, 2018 7:01 pm
Forum: Investing - Theory, News & General
Topic: Surefire best investment advice for 2018
Replies: 3
Views: 695

Re: Surefire best investment advice for 2018

Good article as usual from Ben Carlson. Thanks for the link.

Paul
by pkcrafter
Mon Jan 08, 2018 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking Getting Started Investment Advice
Replies: 5
Views: 350

Re: Seeking Getting Started Investment Advice

An IRA or Roth IRA will get you $5,500/year into tax-advantaged accounts, but you will also need to use taxable accounts, so here's some additional information that will help. You need an emergency fund if you don't yet have one, and you will have one retirement portfolio which includes both taxable...
by pkcrafter
Sun Jan 07, 2018 7:19 pm
Forum: Investing - Help with Personal Investments
Topic: Changing from Ameriprise to an index fund approach
Replies: 6
Views: 429

Re: Changing from Ameriprise to an index fund approach

Wecome, Ray, First post, need advice.. Married and we are both 52 years old. Been savers all of our lives. We have no debt including our house. We are very interested in index funds and would like to have a broad approach to the market. It just makes sense to me and it sounds a lot less stressful. O...