Search found 12327 matches

by pkcrafter
Sat Feb 24, 2018 11:06 am
Forum: Investing - Help with Personal Investments
Topic: Company changes 401k...again.
Replies: 5
Views: 306

Re: Company changes 401k...again.

Costie, the TRP 2040 fund would be a good choice because the expense ratio is less than half of what the retail version is. You can get info on the fund, (different class) but same fund, here. Choose these funds by allocation, not date. http://portfolios.morningstar.com/fund/summary?t=TRRDX®ion=u...
by pkcrafter
Sat Feb 24, 2018 10:28 am
Forum: Investing - Help with Personal Investments
Topic: Should I Pay Learnvest for Financial Advice to Convince Wife?
Replies: 27
Views: 1380

Re: Should I Pay Learnvest for Financial Advice to Convince Wife?

sockpuppet, this is a bit confusing-- Her big objection to a conservative portfolio of bonds or even the FDIC option in her 401K is if we put too much into the 401K and an emergency happens we’ll go bankrupt. “Once you put money into the 401K it’s gone.” So, is her fear about contributing to a 401k ...
by pkcrafter
Sat Feb 24, 2018 9:32 am
Forum: Investing - Help with Personal Investments
Topic: SEI, Charles Schwab, Vanguard?
Replies: 5
Views: 304

Re: SEI, Charles Schwab, Vanguard?

SEI is 60/40 large taxable, smaller traditional IRA and roth IRA. Regarding in-kind tranfer, this is where I don't understand how this will be done. Initially I want my funds to stay at and be managed by SEI because that is a known factor to me. I basically want to change advisors to a less expensi...
by pkcrafter
Fri Feb 23, 2018 9:14 pm
Forum: Investing - Help with Personal Investments
Topic: Should I Pay Learnvest for Financial Advice to Convince Wife?
Replies: 27
Views: 1380

Re: Should I Pay Learnvest for Financial Advice to Convince Wife?

Sockpuppet, if your wife is open to learnvest, then do it. You have made some progress getting her up to 12% contributions in the 401k, but don't push any harder.

Learnvest information and review

https://investorjunkie.com/15569/learnvest-review/

Paul
by pkcrafter
Fri Feb 23, 2018 12:40 pm
Forum: Investing - Help with Personal Investments
Topic: Young Investor: Investing In A Bear Market
Replies: 29
Views: 2271

Re: Young Investor: Investing In A Bear Market

I'm a relatively young investor. I'm about to turn 30 and I've only been investing since 2010 so I still consider myself relatively new to the "game". Historically I've just invested in low expense ratio index funds that stratagize to match the market. I'm talking about assets like DIA, QQQ, VOO, e...
by pkcrafter
Fri Feb 23, 2018 11:49 am
Forum: Investing - Help with Personal Investments
Topic: Should I bite the bullet and invest in this market?
Replies: 36
Views: 2511

Re: Should I bite the bullet and invest in this market?

Welcome Razor,
I have had about $450k sitting in cash for too long and naturally have missed out on this great bull market.
What does this mean? Were you in the market and then got out, or you have not ever invested before?

Paul
by pkcrafter
Thu Feb 22, 2018 11:19 pm
Forum: Investing - Help with Personal Investments
Topic: Need $100,000 in 20 years. Help!
Replies: 52
Views: 4650

Re: Need $100,000 in 20 years. Help!

I assume that you'll still be under age 59 1/2 in 20 years. If so, you're likely looking at a penalty on any gains in the Roth IRA. You may want to consider putting this money into a taxable account. The IRS hit could be significant. I don't know your tax situation, but I don't see why you would ne...
by pkcrafter
Thu Feb 22, 2018 10:46 pm
Forum: Investing - Help with Personal Investments
Topic: Need $100,000 in 20 years. Help!
Replies: 52
Views: 4650

Re: Need $100,000 in 20 years. Help!

I assume that you'll still be under age 59 1/2 in 20 years. If so, you're likely looking at a penalty on any gains in the Roth IRA. You may want to consider putting this money into a taxable account. The IRS hit could be significant. I don't know your tax situation, but I don't see why you would ne...
by pkcrafter
Thu Feb 22, 2018 6:54 pm
Forum: Investing - Theory, News & General
Topic: "Bogleheads.org" by Kristine Hayes"
Replies: 44
Views: 4937

Re: "Bogleheads.org" by Kristine Hayes"

I thought I would simply post a link to acronyms and abbreviations, but was surprised at the length of the list. In good writing, the first time you use an acronym or abbreviation, you should explain it. I know, very hard to explain something like TSM every time you write a post. Maybe a link to acr...
by pkcrafter
Thu Feb 22, 2018 6:24 pm
Forum: Investing - Theory, News & General
Topic: Does Vanguard brokerage culture represent the underlying Vanguard fund?
Replies: 10
Views: 1195

Re: Does Vanguard brokerage culture represent the underlying Vanguard fund?

Boglehead Mel Lindauer addressed this several years ago. Mel Lindauer wrote: What if Vanguard Went Broke? This is a very serious and timely issue, so I'll address it to hopefully set everyone at ease. First, The Vanguard Group Inc. (VGI) is actually a subsidiary of the various mutual funds, each of ...
by pkcrafter
Wed Feb 21, 2018 10:51 pm
Forum: Investing - Help with Personal Investments
Topic: Still lose with bonds even at duration
Replies: 35
Views: 3483

Re: Still lose with bonds even at duration

Was just doing some calculations, I own 11,100 shares of VBTLX that I picked up at 10.69 with yield 2.61%. Total cost was $118,659. Current price is 10.45 @ 2.91% or $115,995 for a current loss of $2,664. If I wait 6 years and assuming interest rates stay *exactly* where they are I thought i'd comp...
by pkcrafter
Wed Feb 21, 2018 9:08 pm
Forum: Investing - Help with Personal Investments
Topic: Morningstar's Holding Style: Good enough to base allocations??
Replies: 12
Views: 551

Re: Morningstar's Holding Style: Good enough to base allocations??

JT, here is a link to the overall market make up, plus ways to reproduce it. Vanguard's total market holds the market weight in large, mid, small, growth and value. https://www.bogleheads.org/wiki/Approximating_total_stock_market What you have is close to market weight, but if you go with your prop...
by pkcrafter
Wed Feb 21, 2018 4:43 pm
Forum: Investing - Help with Personal Investments
Topic: Morningstar's Holding Style: Good enough to base allocations??
Replies: 12
Views: 551

Re: Morningstar's Holding Style: Good enough to base allocations??

JT, here is a link to the overall market make up, plus ways to reproduce it. Vanguard's total market holds the market weight in large, mid, small, growth and value. https://www.bogleheads.org/wiki/Approximating_total_stock_market What you have is close to market weight, but if you go with your propo...
by pkcrafter
Wed Feb 21, 2018 12:38 am
Forum: Investing - Help with Personal Investments
Topic: Update: Yikes, I waited too long, am I [too late]? 50k to invest
Replies: 53
Views: 5349

Re: Yikes, I waited too long, am I [too late]? 50k to invest

Welcome, And from the top, :( *big sigh* OK, I am 45 and don't have an opportunity for a 401k and I haven't really contributed into social security. Yikes. Where did the time go??? I have 50k I need/want to invest in the instance I can't bank on my parents (who are sinking EVERYTHING into REITS) so...
by pkcrafter
Tue Feb 20, 2018 7:18 pm
Forum: Investing - Help with Personal Investments
Topic: Need Help with 401k - Getting back into Market
Replies: 3
Views: 444

Re: Need Help with 401k - Getting back into Market

Welcome, I fear that shifting current AA back into the market on one fell swoop may prove ill-timed since we are in what appears to be the latter part of a long bull run, but of course there’s no way to know that. Correct, there is no way to know what the market will do, or when. But you did get out...
by pkcrafter
Tue Feb 20, 2018 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 245
Views: 15849

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. ... It's time to receive a second opinion from a fiduciary. Jim and Dan provide advice in their capacities as Fiduciaries. A fiduciary has...
by pkcrafter
Tue Feb 20, 2018 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: Will REIT funds ever see another drawdown like 2008?
Replies: 51
Views: 4388

Re: Will REIT funds ever see another drawdown like 2008?

It's just ordinary common sense to assume that if it actually happened once, it could happen again. Nassim Nicholas Taleb has noted: Risk management professionals look in the past for information on the so-called ​worst-case scenario ​and use it to estimate future risks – this method is called “str...
by pkcrafter
Tue Feb 20, 2018 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: Will REIT funds ever see another drawdown like 2008?
Replies: 51
Views: 4388

Re: Will REIT funds ever see another drawdown like 2008?

Old thread but not very, and some relevant things have happened. Combining two BH favorites in this one resurrected thread: Barron's and market timing. REITs are down even more (e.g., Vanguard Real Estate Index Fund ETF; VNQ ) since this thread was started. There was an article on REITs in Barron's...
by pkcrafter
Tue Feb 20, 2018 11:25 am
Forum: Investing - Help with Personal Investments
Topic: Adviser said I made a big mistake switching 403b to Aspire??
Replies: 19
Views: 1484

Re: Adviser said I made a big mistake switching 403b to Aspire??

25 years ago when I was learning about using no-load mutual funds for my 403(b), I asked my insurance agent about that. She barked back loudly, "I never recommend mutual funds!" When I asked why, she said that "Mutual funds are too risky for teachers." That's what she said: I KID YOU NOT! Can you b...
by pkcrafter
Tue Feb 20, 2018 11:20 am
Forum: Investing - Help with Personal Investments
Topic: Solo 401k Question
Replies: 14
Views: 882

Re: Solo 401k Question

idoc5, it sounds like you have your answer, but here's some info from an earlier discussion.

viewtopic.php?t=203130


Paul
by pkcrafter
Mon Feb 19, 2018 11:33 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone use LS & TDF's together for target AA?
Replies: 6
Views: 290

Re: Anyone use LS & TDF's together for target AA?

If you want auto rebalancing and 65/35, use 75% LS moderate and 25% LS growth. You won't need to make adjustments until you change AA.

Paul
by pkcrafter
Mon Feb 19, 2018 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 245
Views: 15849

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. ... It's time to receive a second opinion from a fiduciary. Jim and Dan provide advice in their capacities as Fiduciaries. A fiduciary has...
by pkcrafter
Mon Feb 19, 2018 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 245
Views: 15849

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
Mon Feb 19, 2018 11:59 am
Forum: Investing - Theory, News & General
Topic: Dynamic Allocation based on the Intelligent Investor
Replies: 15
Views: 1221

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: 245
Views: 15849

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: 812

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: 46
Views: 5270

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: 245
Views: 15849

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: 97
Views: 7000

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: 59
Views: 4569

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: 91

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: 65
Views: 4069

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: 2205

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: 2231

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: 2231

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: 6647

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: 881

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: 1171

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: 2244

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: 468

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: 593

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: 302

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: 295

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: 2432

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: 3557

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: 1285

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: 1285

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: 1984

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...