Search found 12303 matches

by pkcrafter
Mon Feb 19, 2018 11:59 am
Forum: Investing - Theory, News & General
Topic: Dynamic Allocation based on the Intelligent Investor
Replies: 11
Views: 829

Re: Dynamic Allocation based on the Intelligent Investor

CFK: Nothing in this is based on any anticipation about market moves in the short or intermediate term. No? I don't really see much wrong with your strategy since your AA range is not extreme. Maybe just one small suggestion. Make your move on what the Shiller P/E will be, then you will be in vogue,...
by pkcrafter
Mon Feb 19, 2018 9:21 am
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 226
Views: 14187

Re: free dinner investing seminar

I started this thread with the question for a friend, but now I've received an invitation (Same Ruth's Chris) and I'm temped to go because there is a new twist. First of all, the brochure says "You must attend this event." :oops: *Protect your portfolio and avoid giving back all your gains *Stay in ...
by pkcrafter
Sun Feb 18, 2018 11:55 pm
Forum: Investing - Help with Personal Investments
Topic: Mechanics of rebalancing while in accumulation phase
Replies: 12
Views: 722

Re: Mechanics of rebalancing while in accumulation phase

How many funds in how many accounts? What is target allocation overall, and to each asset class in your portfolio?

Paul
by pkcrafter
Sun Feb 18, 2018 3:35 pm
Forum: Investing - Theory, News & General
Topic: Chillin' in the BH Lounge
Replies: 28
Views: 3146

Re: Chillin' in the BH Lounge

From a friend who read the thread.

"Beware the broker who claims to have smarts.
Like the rest of us, he’s just been throwing darts."
by pkcrafter
Sun Feb 18, 2018 12:06 am
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 226
Views: 14187

Re: free dinner investing seminar

bsteiner wrote:
Sat Feb 17, 2018 10:38 pm
I just got an invitation to a free dinner seminar for a dentist. From the mailing he’s an implant dentist and also does crowns and orthodontist work.
Yeah? Well watch out for pits in the free food. :happy

Paul
by pkcrafter
Sat Feb 17, 2018 9:23 pm
Forum: Investing - Help with Personal Investments
Topic: Why paying off loans would be better than fully funding 401k?
Replies: 87
Views: 6143

Re: Why paying off loans would be better than fully funding 401k?

ChinchillaWhiplash, I would like to sum up the situation, but first, I like your moniker. Yes, it is an affliction you are suffering and it causes monetary disability. Chinchilla is expensive, and you get the whiplash when that expense is more than you can afford, regardless of your income. Summary ...
by pkcrafter
Thu Feb 15, 2018 12:51 pm
Forum: Investing - Theory, News & General
Topic: What is the evidence against slice and dice?
Replies: 58
Views: 4245

Re: What is the evidence against slice and dice?

Hi All, First some numbers on the table, consider 3 portfolios: 1 > 100% US Stocks 2 > 50% Small US Stocks, 50% Large US Stocks 3 > 25% Small Value US Stocks, 25% Small Growth US Stocks, 25% LargeValue US Stocks, 25% Large Value US Stocks All 3 above are 100% US stock. Is #1 SP500 or total market? ...
by pkcrafter
Thu Feb 15, 2018 11:58 am
Forum: Investing - Theory, News & General
Topic: Portfolio Turnover Rate Synthetic Replication
Replies: 1
Views: 80

Re: Portfolio Turnover Rate Synthetic Replication

Welcome,

I'll try to get you started and clarify a few things for readers.

GER = You are in Germany?

You are planning to use synthetic ETFs? Is that necessary, no other options?

Synthetic ETFs

https://advisors.vanguard.com/VGApp/iip ... lSynthetic

Paul
by pkcrafter
Wed Feb 14, 2018 11:14 am
Forum: Investing - Help with Personal Investments
Topic: Is This Action by Megacorp Legal?
Replies: 64
Views: 3623

Re: Is This Action by Megacorp Legal?

I'm a little confused, the funds were moved Jan 1 and the move was not known until mid Feb? No statements, no ability to log into account and see? Apparently the OP's friend did know, but really didn't get excited until February when he lost some $$. By the way, Vested1, this won't help if your fri...
by pkcrafter
Tue Feb 13, 2018 5:26 pm
Forum: Investing - Help with Personal Investments
Topic: I'm Lost Please Help Me :(
Replies: 20
Views: 2179

Re: I'm Lost Please Help Me :(

In opposition to many here, I think you should NOT accelerate that loan. You have a good rate and term in a time when interest rates have been rising. Sinking money into the loan hurts your liquidity at point when you don't have a lot of resources. You can always decide to pay it off later, you can...
by pkcrafter
Tue Feb 13, 2018 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: Are these fees for real?
Replies: 25
Views: 2205

Re: Are these fees for real?

The back end load starts at 5% the first year and drops by 1% each year until is disappears after 5 years. This "advisor" could not pick a better fund for him nor a worse one for your wife. After 5 years he can move the money to a new fund and start the clock again. After all, who would consider a ...
by pkcrafter
Tue Feb 13, 2018 11:33 am
Forum: Investing - Help with Personal Investments
Topic: Are these fees for real?
Replies: 25
Views: 2205

Re: Are these fees for real?

Hey Everyone: After learning a lot from everyone here and making some much needed adjustments to my portfolio, I began digging around my wife's portfolio, one of them at least. The very first fund I found I was blown away by the fees I saw. She did not choose these by the way, as an adviser did I t...
by pkcrafter
Mon Feb 12, 2018 11:53 pm
Forum: Investing - Theory, News & General
Topic: Day trading for a living/career?
Replies: 95
Views: 6580

Re: Day trading for a living/career?

Windylotus, who is "the guy"? Friend or someone you just met, what? Is he in the business and is there a fee?

Paul
by pkcrafter
Sun Feb 11, 2018 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: What is this please, trying to help a friend
Replies: 8
Views: 871

Re: What is this please, trying to help a friend

FIAM IDX = FIAM Index Target Date Freedom Index 2050. Ask friend to confirm and find out what the expense ratio is.

Paul
by pkcrafter
Sun Feb 11, 2018 2:55 pm
Forum: Investing - Theory, News & General
Topic: "If there were ironclad rules, we would all be following them."
Replies: 6
Views: 1162

Re: "If there were ironclad rules, we would all be following them."

Thanks for the link. I like Josh Brown and this article is a good reminder, especially right now.


Paul
by pkcrafter
Sun Feb 11, 2018 1:03 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Time Series Momentum (aka Trend Following): A Good Time For A Refresh
Replies: 28
Views: 2214

Re: Larry Swedroe: Time Series Momentum (aka Trend Following): A Good Time For A Refresh

Well, Taylor has nailed it once again. If "trend following is go good, why are there (at least) two versions. Here's an explanation of trend following. https://www.trendfollowing.com/trend/ I would especially like to hear Nisiprius' comments on it. Also, what would be another term for trend followin...
by pkcrafter
Sun Feb 11, 2018 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: Traditional VS Pre-tax 401k
Replies: 9
Views: 454

Re: Traditional VS Pre-tax 401k

Hello everyone, First of all I wanted to say thank you to everyone on this forum, its been very educational for me! I have a question about my 401k. Any advice would be appreciated. Currently, my yearly salary is 44,761 a year, without overtime, bonuses and differentials and I contribute 15% of my ...
by pkcrafter
Sun Feb 11, 2018 11:51 am
Forum: Investing - Help with Personal Investments
Topic: Short term $3500 VTI loss now cash, do I
Replies: 4
Views: 587

Re: Short term $3500 VTI loss now cash, do I

When did you sell it, and why?

Paul
by pkcrafter
Sun Feb 11, 2018 11:35 am
Forum: Investing - Help with Personal Investments
Topic: Duplicating Total Stock Market in my 401k
Replies: 5
Views: 298

Re: Duplicating Total Stock Market in my 401k

You can use just the 500 and small cap and it will work fine.

82% Vanguard 500 Index Fund (VFINX)
18% Vanguard Small-Cap Index Fund (NAESX)

Paul
by pkcrafter
Sun Feb 11, 2018 10:42 am
Forum: Investing - Help with Personal Investments
Topic: 401K Rebalance
Replies: 5
Views: 291

Re: 401K Rebalance

rookie87, it's hard to understand what you actually have because you have information in two separate threads. So, I will echo what retiredjg and ruralavelon have suggested, and that is list everything according to the link at the bottom of retiredjg's post and provide answers to the questions rural...
by pkcrafter
Sat Feb 10, 2018 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: Arguments against rising equity glide path?
Replies: 40
Views: 2401

Re: Arguments against rising equity glide path?

I’m about 10 years away from FIRE and I’m now thinking about following that approach but wanted to get all perspective and any opposing arguments to make an informed decision. The rising equity glide path is based on after retiring, not ten years before. So, the quesition you need to think about is...
by pkcrafter
Sat Feb 10, 2018 11:19 am
Forum: Investing - Help with Personal Investments
Topic: Help Sell FIRE to spouse
Replies: 31
Views: 3527

Re: Help Sell FIRE to spouse

hammockman, I can see wife's apprehension, it's normal. To her it may feel suddenly like being on a tightrope with no net below. That feeling will go away, but at first the only things that will help are more understanding and an additional OK from a pro. It is a major step in the life of working pe...
by pkcrafter
Sat Feb 10, 2018 10:22 am
Forum: Investing - Help with Personal Investments
Topic: Accredited investor resources
Replies: 23
Views: 1278

Re: Accredited investor resources

I think you would get more meaningful replies if you name the investment you are interested in. I've looked at a few and my conclusion is these things are only offered to accredited investors because they are the only ones who could afford the potential losses. :happy It should be easy enough to lo...
by pkcrafter
Sat Feb 10, 2018 10:17 am
Forum: Investing - Help with Personal Investments
Topic: Accredited investor resources
Replies: 23
Views: 1278

Re: Accredited investor resources

I think you would get more meaningful replies if you name the investment you are interested in. I've looked at a few and my conclusion is these things are only offered to accredited investors because they are the only ones who could afford the potential losses. :happy

Paul
by pkcrafter
Fri Feb 09, 2018 10:05 pm
Forum: Investing - Help with Personal Investments
Topic: From EJ to Vanguard to Schwab
Replies: 21
Views: 1966

Re: From EJ to Vanguard to Schwab

I decided last week to move my Roth IRA to Vanguard after finding this forum. However when I started the new account I was promoted with a message to call Vangaurd if I wanted to sell my prior funds before transferring to Vanguard. All the advice on here was don't call EJ just call Vanguard and the...
by pkcrafter
Fri Feb 09, 2018 11:37 am
Forum: Investing - Help with Personal Investments
Topic: target retirement fund - that differs from planned retirement date?
Replies: 6
Views: 658

Re: target retirement fund - that differs from planned retirement date?

Hi Folks, New to the forum...what a great resource. My 403 has one fund: the Vanguard 2050 retirement fund. My wife and I decided that the fund is more risky than we'd like. I like that the target funds (1) include some international stock/bond funds and (2) "re-balance." Any reason I can't select,...
by pkcrafter
Thu Feb 08, 2018 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: ETF. What and how do you use them?
Replies: 35
Views: 1468

Re: ETF. What and how do you use them?

but I'm wondering if I could/should try use ETFs like stocks. Buy low sell high.
This is exactly why John Bogle does not like ETFs. The problem isn't the ETFs, it the investors urge to mess around.

Paul
by pkcrafter
Thu Feb 08, 2018 11:08 am
Forum: Investing - Help with Personal Investments
Topic: Why does my wife have this portfolio?
Replies: 32
Views: 3752

Re: Why does my wife have this portfolio?

She has decided she can’t pull the trigger. She LOVES her Wells Fargo adviser and thinks he is so good she wants to keep her money there. OP- That's your answer. She's known this guy longer than you've been married. She's got her own nestegg and trusts her advisor. Putting yourself in the middle of...
by pkcrafter
Thu Feb 08, 2018 10:41 am
Forum: Investing - Help with Personal Investments
Topic: Investing $20K in portfolio under current market situation
Replies: 23
Views: 1649

Re: Investing $20K in portfolio under current market situation

I am following 90% stocks, 10% bonds for my portfolio. Stocks cover US and Intl. indexes and similarly, bonds cover US and Intl. indexes. I have a $20k that came in by selling RSUs and ESPPs. I am wondering if the boggleheads recommendation is to still stick with 90-10 and invest $20k in the above ...
by pkcrafter
Thu Feb 08, 2018 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Financial Hole
Replies: 163
Views: 13302

Re: Financial Hole

JoeSo, I can’t tell if you are an internet troll or someone with a victim mentality and an external locus of control,
I'm going with troll now.

Paul
by pkcrafter
Thu Feb 08, 2018 1:10 am
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 226
Views: 14187

Re: free dinner investing seminar

gostars wrote:
Thu Feb 08, 2018 1:05 am
I want to stay the course by way of a free steak dinner. How does one get an invite to one of these? Nowhere near 55+, so that might be an issue.
Fake ID. :happy
by pkcrafter
Thu Feb 08, 2018 1:07 am
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 226
Views: 14187

Re: free dinner investing seminar

I don't know. My friend is not a knowledgeable investor and could be a prime target. I told him he shouldn't go, but he's still thinking about it. He only sees a nice free dinner. He's planning on inviting his new girl friend. Or would that be lady friend, considering they are both in their 60s?

Paul
by pkcrafter
Wed Feb 07, 2018 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Hole
Replies: 163
Views: 13302

Re: Financial Hole

Advising a guy to sell a house and live in a car for a while with a wife and kid? Really? That's not advice... unless the guy was like 20 years old and single. Joe- Bottom line is give us a good idea of dollar amounts. I think we're spinning our wheels here. What is your estimated monthly income (i...
by pkcrafter
Wed Feb 07, 2018 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 226
Views: 14187

Re: free dinner investing seminar

I've never gone, but yes I would assume they are financial instruments designed to profit the person paying for the free dinner. I would expect everyone in the room attends for the free dinner with no intentions of purchasing, but enough sign up to justify the free dinner. Your friend very well may...
by pkcrafter
Wed Feb 07, 2018 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 226
Views: 14187

Re: free dinner investing seminar

Iliketoridemybike wrote:
Wed Feb 07, 2018 9:23 pm
There’s no free dinner.
Right! I just could not tell him what to expect.

Paul
by pkcrafter
Wed Feb 07, 2018 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 226
Views: 14187

free dinner investing seminar

No, I've never been to one, but a friend called and asked about it. I couldn't tell him what they might pitch, but I'd guess annuities or insurance. He asked how much pressure they will put on him. I think he intends to go for the dinner and not sign up. -added- Agenda America's national debt and de...
by pkcrafter
Wed Feb 07, 2018 4:25 pm
Forum: Investing - Theory, News & General
Topic: There is no precise plan
Replies: 16
Views: 2021

Re: There is no precise plan

Well said, Homer.

Life is what happens when you're making other plans.

And I believe John Bogle has said something about common sense. :wink:

Paul
by pkcrafter
Wed Feb 07, 2018 3:58 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: 4 Horsemen Of Your Portfolio
Replies: 107
Views: 10150

Re: Larry Swedroe: 4 Horsemen Of Your Portfolio

I'm a bit surprised that Larry didn't discuss long-term care insurance. Perhaps he isn't yet being compensated to do so. I don't think a couple of funds is a panacea for the problems he discusses. yeah, investing in a new fund that sells volatility insurance hardly sounds like a way to reduce risk....
by pkcrafter
Tue Feb 06, 2018 2:09 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1261930

Re: U.S. stocks in freefall

not trying to jinx anything, but at least today is showing some advantage of owning 50/50 US/INT'L +1 Focusing on one day results is not generally useful or applicable - what lessons might one draw from a single day's/week's/month's or for that matter single year's returns/. But each to their own. ...
by pkcrafter
Sun Feb 04, 2018 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Advice for a Boglehead in Training
Replies: 16
Views: 1060

Re: 401k Advice for a Boglehead in Training

TheCamel wrote:
Sun Feb 04, 2018 4:07 pm
I will be reading some of the recommended books very soon, thanks for the link. Hopefully in a few years I can provide some answers for others instead of only asking questions!
Won't take you that long. :wink:

Paul
by pkcrafter
Sun Feb 04, 2018 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: Small Business 401k : John Hancock vs Vanguard Fiduciary question
Replies: 8
Views: 485

Re: Small Business 401k : John Hancock vs Vanguard Fiduciary question

Welcome jer, I recently had a meeting with a 401k investment advisor about my small companies John Hancock 401k and its high fees. I asked about moving from our current John Hancock plan to a low cost one such as Vanguard You asked your John Hancock advisor about moving to Vanguard?? :shock: Well, y...
by pkcrafter
Sun Feb 04, 2018 11:37 am
Forum: Investing - Help with Personal Investments
Topic: 401k Advice for a Boglehead in Training
Replies: 16
Views: 1060

Re: 401k Advice for a Boglehead in Training

20% match?! Greatest 401(k) in the world? Believe OP is referring to a 20% match up to a max of 18,500 or $3,700. I believe the OP is saying he can contribute $18,500, and the match is an additional $3700 (20%). A 20% match on a max contribution is really good. Camel, you've been given good advice....
by pkcrafter
Sat Feb 03, 2018 10:41 pm
Forum: Investing - Help with Personal Investments
Topic: Mutual Fund to ETF conversion cost basis math help
Replies: 13
Views: 1021

Re: Mutual Fund to ETF conversion cost basis math help

I'm wondering why you want to do this?

Paul
by pkcrafter
Sat Feb 03, 2018 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: For the sake of diversification!
Replies: 3
Views: 335

Re: For the sake of diversification!

Welcome to the forum. I think we need more information to make worthwhile suggestions. See below. Is the tax benefit of a 457b greater than the benefit of a more diversified portfolio??? Here's my situation: me: 31y pediatrician salary ~$250k wife 24y nurse salary ~$50k no kids, no debt ~$60k in bro...
by pkcrafter
Sat Feb 03, 2018 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: Finally going to invest, brother is FA
Replies: 89
Views: 6544

Re: Finally going to invest, brother is FA

OK, I think I knew what I needed to do all along but needed to hear it from >60 different people (thank you everyone). Just opened an account with Vanguard. I will be starting Roth IRA's for both my wife and I, and I'm thinking about fully funding them for 2017 and 2018 now, with the market down to...
by pkcrafter
Sat Feb 03, 2018 11:03 am
Forum: Investing - Theory, News & General
Topic: Gold IRA with pretty low costs
Replies: 16
Views: 1343

Re: Gold IRA with pretty low costs

Here is an earlier thread on gold returns. My conclusion is, if someone is considering buying gold, it can't be for long term gains, so it must be a short term defense against a falling market. That's the usual time for gold to jump. https://www.bogleheads.org/forum/viewtopic.php?t=236191 Also, here...
by pkcrafter
Sat Feb 03, 2018 10:24 am
Forum: Investing - Theory, News & General
Topic: Anyone has tried 'investing with the house'?
Replies: 49
Views: 3865

Re: Anyone has tried 'investing with the house'?

Anyone has tried 'investing with the house'?
Well, yes, I do that. It's called Total Stock Market! :happy

Paul
by pkcrafter
Fri Feb 02, 2018 11:59 pm
Forum: Investing - Help with Personal Investments
Topic: Is holding bonds in taxable right for me?
Replies: 8
Views: 876

Re: Is holding bonds in taxable right for me?

I think tax-efficient stock funds are best in taxable. Put your bonds in a tax-advantaged account.

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

Paul