Search found 13091 matches

by pkcrafter
Fri Jan 18, 2019 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: Differences in Investment Approach
Replies: 27
Views: 610

Re: Differences in Investment Approach

Hi folks, I'm fairly new here and have noticed that the two biggest investment disagreements revolve around: 1. The amount of bonds in your portfolio relative to age/situation/etc. 2. The amount of international exposure vs total US market Are there other contentious topics that BH's tend to disagr...
by pkcrafter
Thu Jan 17, 2019 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: Is there a tool that can take a fund and convert it to closest Vanguard fund?
Replies: 7
Views: 416

Re: Is there a tool that can take a fund and convert it to closest Vanguard fund?

Friends, I've recently become the DPOA for my mom. She is retired (age 72), with 350k in invested assets. 100% of those assets are being managed by a longtime financial advisor at one of the big firms. I've taken a look at where he has her assets invested and while there are no alarm bells going of...
by pkcrafter
Wed Jan 16, 2019 1:18 pm
Forum: Investing - Help with Personal Investments
Topic: Error in Bogleheads Guide to Retirement Planning, 2009 edition?
Replies: 14
Views: 1001

Re: Error in Bogleheads Guide to Retirement Planning, 2009 edition?

Dale wrote:
("Employer contributions are not included in your annual contribution limit").
No and yes. Employer contributions do contribute to the overall max of 55k, but they don't count as part of the employees contribution of 19k.

Paul
by pkcrafter
Wed Jan 16, 2019 12:40 pm
Forum: Investing - Help with Personal Investments
Topic: Error in Bogleheads Guide to Retirement Planning, 2009 edition?
Replies: 14
Views: 1001

Re: Error in Bogleheads Guide to Retirement Planning, 2009 edition?

I re-read the paragraph and clearly it is confusing. It's not the third sentence you quoted, but the first sentence: "If ... you receive a match, be careful not to exceed the annual contribution limit before your final pay period, which could cause you to miss out on part of the match." In fact, yo...
by pkcrafter
Wed Jan 16, 2019 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: 100% in VTSAX - Is it crazy???
Replies: 68
Views: 5857

Re: 100% in VTSAX - Is it crazy???

Hey Gang, For the last year I 18 months I have been 100% invested into VTSAX and I must admit I have slept great. When I was first turned onto the boglehead nation I was a firm believer in the 3 fund portfolio and I often got into the discussion of how much international. I always tended to have th...
by pkcrafter
Mon Jan 14, 2019 1:19 pm
Forum: Investing - Theory, News & General
Topic: Vanguard factor funds slow to catch on
Replies: 86
Views: 10602

Re: Vanguard factor funds slow to catch on

Nice posts from two of our FAs, Rick Ferri and Bill Schultheis. Bill - https://soundmarkwealth.com/team/bill-schultheis/ My take - Factors? I don't need no stinkin' factors. If factors are really good and investors can handle the tracking error, they will eventually incorporated into total market an...
by pkcrafter
Mon Jan 14, 2019 10:35 am
Forum: Investing - Help with Personal Investments
Topic: low volatility funds in a Roth IRA
Replies: 12
Views: 873

Re: low volatility funds in a Roth IRA

Mathguy, maybe concider 50% VMNVX and 50% total stock market. That will give you ~22% international, which is within the low end of recommended range, and market weight in small cap. Mid caps will be over weighted because VMNVX market cap is only 12 B vs 59 B for TSM. VMNVX holds ~50% mid cap, TSM h...
by pkcrafter
Mon Jan 07, 2019 11:33 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: The Loser’s Game Reaffirmed
Replies: 21
Views: 2748

Re: Larry Swedroe: The Loser’s Game Reaffirmed

https://www.etf.com/sections/index-investor-corner/swedroe-losers-game-reaffirmed Larry reviews the December SPIVA reports. These S&P Index versus Active reports don’t just compare active to appropriate passive benchmarks, they also look at the persistence of active outperformance when it occurs. A...
by pkcrafter
Mon Jan 07, 2019 11:04 am
Forum: Investing - Theory, News & General
Topic: Embarrassed to ask... dividends and Total Return
Replies: 39
Views: 4708

Re: Embarrassed to ask... dividends and Total Return

Chart of S&P 500 growth with and without dividends reinvested.

http://i55.tinypic.com/2ry1szo.jpg





Paul
by pkcrafter
Sun Jan 06, 2019 10:35 am
Forum: Investing - Help with Personal Investments
Topic: Convince me to all-in index fund [Malaysia]
Replies: 6
Views: 524

Re: Convince me to all-in index fund [Malaysia]

Welcome, Dear BHs Okay, I'm sold. And here's my story. Started stockpicking mania in 2017, gained 135%. Ended 2018 with half the profit wiped out. Now sitting at some 85k my home currency (x4 weaker than USD). Advice needed: 1) I have >85% of fund stuck in individual stocks. It's painful to sell th...
by pkcrafter
Sat Jan 05, 2019 12:42 pm
Forum: Investing - Theory, News & General
Topic: Factor-Based Investing: The Long-Term Evidence - Dimson & Marsh
Replies: 100
Views: 7462

Re: Factor-Based Investing: The Long-Term Evidence - Dimson & Marsh

Here's a review of the paper by Larry Swedroe. https://thebamalliance.com/blog/the-long-term-evidence-on-factor-based-investing/ As Dimson, Marsh and Staunton note, we must recognize that all factors have experienced, and almost certainly will continue to experience, long periods of underperformanc...
by pkcrafter
Fri Jan 04, 2019 1:17 pm
Forum: Investing - Help with Personal Investments
Topic: Two years from retirement - what's more important?
Replies: 57
Views: 2591

Re: Two years from retirement - what's more important?

Carol, my only concern with your plan is not getting enough return to maintain portfolio value. Will you have a pension? What will be your initial withdrawal rate? There really are no perfect strategies when it comes to investing because every decision involves some sort of compromise. An allocation...
by pkcrafter
Thu Jan 03, 2019 12:26 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: investing Uncomfortably
Replies: 88
Views: 7705

Re: Larry Swedroe: investing Uncomfortably

I'm guarded on Swedroe's recommendations over the recent past. Swedroe used to recommend indexing, now he doesn't. What's different? BAM (Buckingham Asset Management) and BAM alliance. Larry works for both and is on the board of directors (director of research}. Who are the partners in the BAM allia...
by pkcrafter
Thu Jan 03, 2019 10:28 am
Forum: Investing - Help with Personal Investments
Topic: Employer 401k Help
Replies: 2
Views: 175

Re: Employer 401k Help

I recently became eligible to enroll in the 401k plan offered by my employer through ADP but I have no clue how to start and what allocations to choose. There are 4 different categories to choose from: Growth, Income, Growth & Income, and Aggressive Growth. Under each of these categories are differ...
by pkcrafter
Tue Jan 01, 2019 11:47 pm
Forum: Investing - Help with Personal Investments
Topic: just starting out
Replies: 4
Views: 393

Re: just starting out

Hello, I am opening a roth ira (my first) and 401k with vangaurd. I have and existing 401k with a broker. I also have an investment account with an advisor. I decided that I will fund my roth fully for 2018 and 2019 immediately. I will also transfer my 401k account and contribute that fully for 201...
by pkcrafter
Thu Dec 27, 2018 1:10 pm
Forum: Investing - Help with Personal Investments
Topic: 401k and Roth IRA. Am I doing it wrong?
Replies: 3
Views: 467

Re: 401k and Roth IRA. Am I doing it wrong?

+1 on retiredjg's advice. Many of the experienced posters here will recommend a maximum of 80% in stocks, especially for new investors. Target funds are fine, especially when just starting out. You can always change to individual funds later if low-cost index funds are offered in the 401k plan. 1.) ...
by pkcrafter
Mon Dec 24, 2018 12:55 am
Forum: Investing - Theory, News & General
Topic: All the "should I be 100% stocks" threads over the last year.
Replies: 175
Views: 11862

Re: All the "should I be 100% stocks" threads over the last year.

If the market drops 60, 70, 80%, then most of those holding 100% stocks will sell out. Does anyone want to argue that the market cannot fall that much? A quick calculation based on Shiller's data suggests that, including dividends and deflation, the maximum drawdown during the great depression was ...
by pkcrafter
Sun Dec 23, 2018 12:12 pm
Forum: Investing - Theory, News & General
Topic: All the "should I be 100% stocks" threads over the last year.
Replies: 175
Views: 11862

Re: All the "should I be 100% stocks" threads over the last year.

Anyone want to argue with the following statement? If the market drops 60, 70, 80%, then most of those holding 100% stocks will sell out. I disagree with this statement (depending on how we define "most" whether you mean in the population as a whole or people who spend enough time thinking about th...
by pkcrafter
Sun Dec 23, 2018 11:45 am
Forum: Investing - Theory, News & General
Topic: All the "should I be 100% stocks" threads over the last year.
Replies: 175
Views: 11862

Re: All the "should I be 100% stocks" threads over the last year.

Anyone want to argue with the following statement? If the market drops 60, 70, 80%, then most of those holding 100% stocks will sell out. Does anyone want to argue that the market cannot fall that much?

If anyone asks, "should I be 100% stocks" then they should not be 100% stocks.

Paul
by pkcrafter
Thu Dec 20, 2018 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: Current allocation is 100% stocks- any good reason to change?
Replies: 71
Views: 5801

Re: Current allocation is 100% stocks- any good reason to change?

I'll ask, what is the maximum % you might lose in a very bad crash when holding 100% equity? How much gain would be required to get it back? Well I guess if the markets drop by 50% ('08 was 38%, right?), it would take 10 years of ~5% returns to get it back, or 15 years of 3.5% returns. I would expe...
by pkcrafter
Thu Dec 20, 2018 2:47 pm
Forum: Investing - Help with Personal Investments
Topic: Current allocation is 100% stocks- any good reason to change?
Replies: 71
Views: 5801

Re: Current allocation is 100% stocks- any good reason to change?

I'll ask, what is the maximum % you might lose in a very bad crash when holding 100% equity? How much gain would be required to get it back?


Paul
by pkcrafter
Thu Dec 20, 2018 2:39 am
Forum: Investing - Help with Personal Investments
Topic: Average expense ratios
Replies: 13
Views: 996

Re: Average expense ratios

Is there an average or number to shoot for with expense ratios on investment funds. I found this: Equities: .59% Bonds: .48% target funds: .44% Does this sound reasonable? Info on MF expense ratios. You certainly do not want to pay average expense ratios for mutual funds. http://www.icifactbook.org...
by pkcrafter
Wed Dec 19, 2018 11:28 am
Forum: Investing - Theory, News & General
Topic: Behavioral Finance for normal people
Replies: 6
Views: 1153

Re: Behavioral Finance for normal people

This 2014 article seems familiar because it was written by Meir Statman who has been writing the same thing for many news outlets for quite a while, such as https://www.bogleheads.org/forum/viewtopic.php?t=227422 He even wrote a book that I highly recommended that has come up a few times in this fo...
by pkcrafter
Tue Dec 18, 2018 2:28 pm
Forum: Investing - Theory, News & General
Topic: Behavioral Finance for normal people
Replies: 6
Views: 1153

Behavioral Finance for normal people

Good article for those interested in behavioral finance. Article will give most readers a somewhat different perspective on investing.

https://www.sciencedirect.com/science/a ... 00143#sec2


Paul
by pkcrafter
Tue Dec 18, 2018 1:24 pm
Forum: Investing - Help with Personal Investments
Topic: Is anyone's portfolio not tanking???
Replies: 129
Views: 13129

Re: Is anyone's portfolio not tanking???

I guess I can't see how anyone's portfolio is "tanking." Total stock market is down -3.76% YTD, and up 5.6% for past 12 months. Total International is down 14.20 YTD, but it's a smaller allocation than U.S. TSM in most portfolios. I'm retired with an AA of ~50/50, which means there is really nothing...
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: 621

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: 10
Views: 816

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: 10
Views: 816

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: 69
Views: 4496

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: 69
Views: 4496

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: 1431

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: 371

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: 2040

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: 676

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: 649

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: 1195

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: 5
Views: 518

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: 862

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: 1061

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: 3925

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: 2039

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: 2147

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: 7092

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: 1348

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: 1573

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: 3618

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 ...