Search found 12571 matches

by pkcrafter
Tue May 22, 2018 9:01 am
Forum: Investing - Help with Personal Investments
Topic: Seeking 401k advice
Replies: 8
Views: 522

Re: Seeking 401k advice

Hi all, I am 38 years old and am deciding what to do with my 401k after changing jobs. I have been in a 2045 target date fund and paying an expense ratio of 0.74% (which I understand is not bad but I can do better). I can leave it where it is in the target date, change my selections in my old 401k ...
by pkcrafter
Sun May 20, 2018 9:27 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me rationalise this 401k investment choice
Replies: 23
Views: 1240

Re: Please help me rationalise this 401k investment choice

You're doing fine. VINIX is the S&P500, which is fine for broad U.S. holdings. You have Dodge and Cox for international, and that's acceptable because the ER (expense ratio) isn't too high. Performance is listed after the expense ratio is deducted, but costs do matter a lot over time. In addition, p...
by pkcrafter
Sun May 20, 2018 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: Rick Ferri Core Four questions
Replies: 13
Views: 1385

Re: Rick Ferri Core Four questions

tweet, are REITs in taxable too? They are very tax-inefficient, so you need to consider that. As for international, stop contributions and direct all new money to U.S stocks. I see Rick has replied, so look for his new recommendations on Core Four.

Paul
by pkcrafter
Sat May 19, 2018 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: Short term investment suggestion
Replies: 3
Views: 285

Re: Short term investment suggestion

Welcome to the forum,

Are you 59-1/2 or older? If so, you can withdraw from the IRA, if under that age you will pay a 10% penalty + taxes. If you are under 59-1/2 you should try to figure any way possible to come up with the money needed. This is one reason why everyone needs an emergency fund.

Paul
by pkcrafter
Sat May 19, 2018 5:11 pm
Forum: Investing - Help with Personal Investments
Topic: Why diversify 401k
Replies: 14
Views: 971

Re: Why diversify 401k

Welcome, I think we are just trying to tell you diversification is a smart play over the long term. Take a look at The Telltail Chart, #2 - 2. RTM - Value Stocks vs. Growth Stocks, (RTM = Reversion to the Mean) https://www.vanguard.com/bogle_site/sp20020626.html If you want to hold the TRP fund, als...
by pkcrafter
Sat May 19, 2018 9:14 am
Forum: Investing - Help with Personal Investments
Topic: Can which brokerage you choose for your accounts be a risk?
Replies: 11
Views: 1138

Re: Can which brokerage you choose for your accounts be a risk?

Welcome, Hello Everyone, New here. I have entered my 40s and unfortunately waited to now to wake up and understand investing better. Trying to invest the full 18.5 to the 401k (with a generous employer match on top), been doing so for several years. If you want to get into this a little more, provi...
by pkcrafter
Sat May 19, 2018 8:48 am
Forum: Investing - Help with Personal Investments
Topic: New to Bogleheading...young family looking for advice and open to all feedback
Replies: 17
Views: 1063

Re: New to Bogleheading...young family looking for advice and open to all feedback

I cant bring myself to start a 401k solo.

You can't open a Solo 401k unless you are self employed, but it sounds like that is something you are thinking about. Why is that not something you would utilize?

Paul
by pkcrafter
Fri May 18, 2018 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: Even though opinions differ in safe withdrawal rate would appreciate feedback with this allocation
Replies: 8
Views: 792

Re: Even though opinions differ in safe withdrawal rate would appreciate feedback with this allocation

3 million @4% is 120k/year plus 36k in SS = 156k/yr. If they are spending 156k/year, what are they spending it on--it must be discretionary. If that is true, then they have a lot of wiggle room. At 67 he should begin SS IF they actually have to spend 4%/year. Their current asset allocation is reason...
by pkcrafter
Fri May 18, 2018 11:09 am
Forum: Investing - Help with Personal Investments
Topic: How to Invest $600K for Retirees
Replies: 26
Views: 3963

Re: How to Invest $600K for Retirees

Welcome VNPharmd, how much of parents money is in tax-advantaged accounts. I'm asking because there are additional alternatives such as VG lifestrategy conservative growth (40/60) if tax advantaged, or total stock market and tax-efficient bonds for taxable. A 4% withdrawal rate at 77 can easily acc...
by pkcrafter
Thu May 17, 2018 11:39 am
Forum: Investing - Help with Personal Investments
Topic: Percent Confidence in Planning Scenario
Replies: 27
Views: 995

Re: Percent Confidence in Planning Scenario

You're good. Life and market behavior are what happen when you're making other plans. At this point, be sure to develop a solid asset allocation, contribute at least 12% to retirement funding, and make adjustments along the way as circumstances change. All of this is full of uncertainties.

Paul
by pkcrafter
Thu May 17, 2018 10:46 am
Forum: Investing - Help with Personal Investments
Topic: Allocation help
Replies: 10
Views: 344

Re: Allocation help

Few years ago when I was worried that market was overpriced, I tried to select ETF that I felt was less risky. We would have to consider that an attempt at market timing, and it's not a good idea. If you discover that your risk exposure is beyond your comfort zone, you should just reduce the equity...
by pkcrafter
Thu May 17, 2018 10:00 am
Forum: Investing - Help with Personal Investments
Topic: Is Vanguard's Tax Managed Balanced Fund (VTMFX) truly passive/Index??
Replies: 16
Views: 1166

Re: Is Vanguard's Tax Managed Balanced Fund (VTMBF) truly passive/Index??

VTMFX is the ticker, and no, it is not a passive, index fund.

Paul
by pkcrafter
Wed May 16, 2018 7:17 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Value Premium Lives!
Replies: 39
Views: 2805

Re: Larry Swedroe: Value Premium Lives!

...I'm not saying the value premium does not exist, I'm saying most investors don't have the patience to capture it... Considering the (lack of a) FF Large-Value "Premium" over the past 30+ years, some investors may not live long enough to capture it. http://i.imgs.fyi/img/3bbv.png "Small-Value" pr...
by pkcrafter
Wed May 16, 2018 7:06 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Value Premium Lives!
Replies: 39
Views: 2805

Re: Larry Swedroe: Value Premium Lives!

Being totally selfish, the more people who don't believe in the value premium, the larger it is likely to be. So I'm OK with y'all concluding it is a bunch of Edward Jones. :wink: I'm not saying the value premium does not exist, I'm saying most investors don't have the patience to capture it. Paul ...
by pkcrafter
Wed May 16, 2018 6:10 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Value Premium Lives!
Replies: 39
Views: 2805

Re: Larry Swedroe: Value Premium Lives!

Being totally selfish, the more people who don't believe in the value premium, the larger it is likely to be. So I'm OK with y'all concluding it is a bunch of Edward Jones. :wink: I'm not saying the value premium does not exist, I'm saying most investors don't have the patience to capture it. Paul
by pkcrafter
Wed May 16, 2018 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: How indexing works--a good video for newer Bogleheads
Replies: 0
Views: 200

How indexing works--a good video for newer Bogleheads

Here's a short video interview with John Bogle. In this video Mr. Bogle explains why indexing has to work. An excellent resource for new Bogeheads.

http://paytaxeslater.com/videos/bogle-d ... and-there/

Paul
by pkcrafter
Wed May 16, 2018 3:22 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Value Premium Lives!
Replies: 39
Views: 2805

Re: Larry Swedroe: Value Premium Lives!

My conclusion is that the most recent 10 years of performance is likely just another of those occasionally occurring but fairly long periods in which the value premium is negative." Combine that with this from John Bogle-- What followed their introduction was a classic case of performance chasing. ...
by pkcrafter
Wed May 16, 2018 1:20 pm
Forum: Investing - Theory, News & General
Topic: This is Unbelievable - another Vanguard customer support odyssey
Replies: 55
Views: 10953

Re: This is Unbelievable - another Vanguard customer support odyssey

We have invested with Vanguard for many years. After another bad experience today, I don't dare trust Vanguard with any account I might need help with someday. My elderly father needs to resign as trustee of a trust for my daughter. Vanguard cannot accomplish this task. More and more of our money i...
by pkcrafter
Wed May 16, 2018 11:18 am
Forum: Investing - Help with Personal Investments
Topic: Friend says "Stock market will crash, invest in silver" - thoughts?
Replies: 127
Views: 7531

Re: Friend says "Stock market will crash, invest in silver" - thoughts?

If you want to be a good long term investor you cannot listen to this stuff . We've been hearing about the coming crash for the past 3 years... Your friend is correct, as is everyone that says there will be a crash, but so what. The predictions of a crash are far more common than the actual crashes...
by pkcrafter
Wed May 16, 2018 10:59 am
Forum: Investing - Theory, News & General
Topic: Withdrawal strategies update (Zolt)
Replies: 2
Views: 681

Withdrawal strategies update (Zolt)

This is a Financial Planning Association (FPA) recent article by David Zolt. I don't believe it's been posted before but hard to tell since FPA doesn't date articles. :confused This article adds option TPA 3 to the previously written and posted TPA article by David Zolt. TPA - Target Percentage Adju...
by pkcrafter
Wed May 16, 2018 9:54 am
Forum: Investing - Help with Personal Investments
Topic: How to Invest $600K for Retirees
Replies: 26
Views: 3963

Re: How to Invest $600K for Retirees

Welcome VNPharmd, how much of parents money is in tax-advantaged accounts. I'm asking because there are additional alternatives such as VG lifestrategy conservative growth (40/60) if tax advantaged, or total stock market and tax-efficient bonds for taxable. A 4% withdrawal rate at 77 can easily acco...
by pkcrafter
Tue May 15, 2018 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: VBK [Vanguard Small Cap Growth]
Replies: 8
Views: 409

Re: VBK [Vanguard Small Cap Growth]

I agree with ruralavalon, and the small premium mainly comes from small value, although it's on again off again, so you do have to hold it for many years.

Paul
by pkcrafter
Tue May 15, 2018 10:31 am
Forum: Investing - Help with Personal Investments
Topic: Three fund portfolio performance
Replies: 31
Views: 3920

Re: Three fund portfolio performance

Sonic, here is a M* chart of Vanguard total stock market performance from 6/2/17 to 5/14/18. You did have the drag of 0.3% for the robo fee, but that would have no visible effect. International was up a bit and BND was down a few %. Overall, you had a decent gain. So, the only conclusion is this isn...
by pkcrafter
Mon May 14, 2018 3:24 pm
Forum: Investing - Theory, News & General
Topic: Agressive factor Investing
Replies: 44
Views: 4023

Re: Agressive factor Investing

Well, if all this factor stuff really works then everyone is going to know about it and either A- it won't work anymore, or B- it will continue to work and become part of the total market profile. If it's B, then I will be in on it because I hold the total market. Paul Well, you would be in on it P...
by pkcrafter
Mon May 14, 2018 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: Preparing for RMD's in 2 3/4 years
Replies: 4
Views: 512

Re: Preparing for RMD's in 2 3/4 years

My wifes Vanguard account has been TSM for all the years she has invested. I am thinking 50% Wellington and 50% Wellesley now. This way we can rebalance when necessary or take RMD based on how we feel market conditions dictate. Our thinking is that the TSM has done well and now should not be forced...
by pkcrafter
Sat May 12, 2018 8:00 pm
Forum: Investing - Theory, News & General
Topic: Difference between Composite and Model Portfolio return ?
Replies: 2
Views: 205

Re: Difference between Composite and Model Portfolio return ?

Welcome to the forum, I will provide some definitions, but these aren't going to give you any insight into what will perform better in the future, and unless you use a specific model portfolio, they won't help with your own portfolio. Model Portfolios from Vanguard. A simple example-- https://person...
by pkcrafter
Sat May 12, 2018 6:55 pm
Forum: Investing - Theory, News & General
Topic: Agressive factor Investing
Replies: 44
Views: 4023

Re: Agressive factor Investing

Well, if all this factor stuff really works then everyone is going to know about it and either A- it won't work anymore, or B- it will continue to work and become part of the total market profile. If it's B, then I will be in on it because I hold the total market.

Paul
by pkcrafter
Sat May 12, 2018 6:22 pm
Forum: Investing - Help with Personal Investments
Topic: Help to Leave Edward Jones / Allocation & Taxes
Replies: 18
Views: 1664

Re: Help to Leave Edward Jones / Allocation & Taxes

rksanrmv, if you want to transfer the existing funds to a new custodian, you have to make sure that custodian can accept all of your funds, otherwise you will end up with some funds still at EJ. I also think Schwab is a good choice, and if you ask they may give you an incentive. Schwab has the right...
by pkcrafter
Fri May 11, 2018 11:38 pm
Forum: Investing - Theory, News & General
Topic: [Bloomberg to Launch Cryptocurrency Index]
Replies: 8
Views: 801

[Bloomberg to Launch Cryptocurrency Index]

How much of a surprise is this: Amid increasing interest in the cryptocurrency markets, Bloomberg, the global leader among market data providers and index services, has launched the Bloomberg Galaxy Crypto Index (BGCI), which is “designed to track the performance of the largest, most liquid portion ...
by pkcrafter
Fri May 11, 2018 9:57 pm
Forum: Investing - Help with Personal Investments
Topic: Help! Looking to finally invest - Admiral shares or ETFs?
Replies: 10
Views: 927

Re: Help! Looking to finally invest - Admiral shares or ETFs?

mega317 wrote: I gotta say I'd think twice about moving from 20 years of being in cash to 70/30. I think this is worth considering. Would you think differently if you heard a 30% market drop was going to occur in the next 4 years? Wellesley - Currently in a traditional IRA *** This constitutes 6% of...
by pkcrafter
Fri May 11, 2018 4:43 pm
Forum: Investing - Help with Personal Investments
Topic: Living off Dividends of Vanguard Total Stock
Replies: 49
Views: 6479

Re: Living off Dividends of Vanguard Total Stock

What does everyone think of retiring when you can live off of the Dividends of the Vanguard Total Stock Market Index, and having 100% in stocks? Well, we've got lots of discussion on this, but this aspect has not been mentioned--You've got a pot with x amount of $$ in it. That pot is the total sum ...
by pkcrafter
Fri May 11, 2018 10:11 am
Forum: Investing - Help with Personal Investments
Topic: Quick question regarding asset distribution
Replies: 4
Views: 341

Re: Quick question regarding asset distribution

I have a taxable, Roth IRA, traditional 401k. I currently have four funds: intermediate bond fund, total stock, small cap value, total international. Based on my tax bracket, and based on the tax efficiency spreadsheet for 2017 (https://www.bogleheads.org/forum/viewtopic.php?f=10&t=242137) it seems...
by pkcrafter
Fri May 11, 2018 9:36 am
Forum: Investing - Help with Personal Investments
Topic: How do you quantify the risk differential between 85/15 and 70/30?
Replies: 70
Views: 5705

Re: How do you quantify the risk differential between 85/15 and 70/30?

TheBogleway, dbr is correct, Vanguard is reporting single year performance, but losses compounded during those years in question. Have a look here.. http://pages.stern.nyu.edu/~adamodar/New_Home_Page/datafile/histretSP.html Blow by blow http://business.financialpost.com/personal-finance/the-great-cr...
by pkcrafter
Thu May 10, 2018 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: Mail Check or Wire Funds from Vanguard IRA fund to Bank IRA CD??
Replies: 14
Views: 857

Re: Mail Check or Wire Funds from Vanguard IRA fund to Bank IRA CD??

I have a 2008 Vanguard IRA in a 2020 retirement fund. I want to transfer it to an Ally Bank IRA CD. You should also be aware that you can put your IRA money into a CD at Vanguard. There would be no transfer, you would get a good rate, and it would take just a few clicks on the mouse. The only hitch...
by pkcrafter
Thu May 10, 2018 5:42 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Advice from Pension Fund Manager - Should I listen?
Replies: 39
Views: 1702

Re: Investment Advice from Pension Fund Manager - Should I listen?

Welcome Tyler, Should I take his advice or continue with my slow and steady approach and adding lump sums with big dips? My goal is to have 20% down for my first duplex near me in Tacoma, WA area in the next 5 years. A definition of risk I like is "having the money to buy something important when yo...
by pkcrafter
Wed May 09, 2018 6:18 pm
Forum: Investing - Help with Personal Investments
Topic: Bad(?) advice from employer retirement advisor [on per-year contribution limits]
Replies: 29
Views: 1998

Re: Bad(?) advice from employer retirement advisor [on per-year contribution limits]

I was just talking with the financial advisor who comes into my workplace to advise employees about their retirement strategies, and I ran my current plan by him. This is my plan currently: Vanguard Roth IRA (max being $5,500/yr given my income level) $5500/ year 401k (max being $18,500/yr) Traditi...
by pkcrafter
Wed May 09, 2018 12:19 am
Forum: Investing - Help with Personal Investments
Topic: Breaking Up and Staying On Good Terms with an Advisor
Replies: 17
Views: 1570

Re: Breaking Up and Staying On Good Terms with an Advisor

"Can we still be friends?" I'm getting closer to breaking up with my Ameriprise advisor. I want to stay on good terms with him, because he is my parents' advisor. I'm not involved in their finances and may never be. But it's possible. It's also emotional. He has been my advisor since I was in high ...
by pkcrafter
Tue May 08, 2018 9:52 pm
Forum: Investing - Help with Personal Investments
Topic: Basic knowledge-inexperienced and overwhelmed
Replies: 43
Views: 3329

Re: Basic knowledge-inexperienced and overwhelmed

Do you plan to use this money in retirement or will it be put to use before that? The time frame i pacts the best investment choice for the money. I would eventually like to have both options. My thoughts for now were to put the money in a mutual fund instead of a basic savings account. If it made ...
by pkcrafter
Tue May 08, 2018 12:57 pm
Forum: Investing - Help with Personal Investments
Topic: Why the shift away from the S&P?
Replies: 32
Views: 3953

Re: Why the shift away from the S&P?

An observation: whether or not we're newbies or brilliant, experienced investors, the returns are the same --as long as we don't touch it! 8-) An excellent perspective. It's easy to get market returns, in fact it appears so easy that many investors tend to want to fiddle a bit to increase the retur...
by pkcrafter
Mon May 07, 2018 9:01 am
Forum: Investing - Help with Personal Investments
Topic: Help with in-laws investment- 100% in stocks with 5 years left to retire
Replies: 46
Views: 2985

Re: Help with in-laws investment- 100% in stocks with 5 years left to retire

Jack, can you clarify what this means? Is it a 15% needed withdrawal in addition to SS and pensions?
Good points. They will need about 15% so quite a bit more than 3%. They don't have a huge pension.



Paul
by pkcrafter
Sun May 06, 2018 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: Help with in-laws investment- 100% in stocks with 5 years left to retire
Replies: 46
Views: 2985

Re: Help with in-laws investment- 100% in stocks with 5 years left to retu

I don't know what the replies are going to tell you, but first, if they didn't ask for your opinion, it might not be wise to interfere. On the other hand, if losing 40%-50% of assets will cause serious problems, then you might approach the subject as a concern. Note also that pension amounts are not...
by pkcrafter
Sat May 05, 2018 6:25 pm
Forum: Investing - Help with Personal Investments
Topic: Ed. Jones rep didn't like our plan, now we're locked out
Replies: 152
Views: 17653

Re: Ed. Jones rep didn't like our plan, now we're locked out

I would move all $ from EJ. But after that, I would share liberally that Broker #2 was much better to work with than broker #1. That sharing can be factual without much commentary if your parents are sensitive to that. May not matter, but I think you see the potential. Wait, we don't know what #2 i...
by pkcrafter
Fri May 04, 2018 8:31 pm
Forum: Investing - Help with Personal Investments
Topic: Basic knowledge-inexperienced and overwhelmed
Replies: 43
Views: 3329

Re: Basic knowledge-inexperienced and overwhelmed

Hi. I’m interested in putting some of my money in a mutual fund!or more than one. I don’t have a lot of extra money but I easily pay my monthly bills and save about 500 a month. I can’t add more money to my retirement account and would like to put some money in a mutual fund instead of a savings ac...
by pkcrafter
Fri May 04, 2018 8:15 pm
Forum: Investing - Help with Personal Investments
Topic: Growth charts, loads & fees
Replies: 4
Views: 290

Re: Growth charts, loads & fees

SeaLaVie wrote:
Fri May 04, 2018 2:58 pm
Thanks so much for the help. So it sounds like I can look at the load information from the prospectus on my 401k plan website and subtract that from the charted ending balance to get a better idea of what the ending 10 yr would really end up at.
Loads, A class, are often waived in a 401k.

Paul
by pkcrafter
Fri May 04, 2018 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: Ed. Jones rep didn't like our plan, now we're locked out
Replies: 152
Views: 17653

Re: Ed. Jones rep didn't like our plan, now we're locked out

OP here. My father has contacted another EJ advisor who has agreed have the account transferred to their office. The purpose of this is to simply regain online access to the account as quickly as possible, as my parents have a long term care annual premium due any day now that is typically paid fro...
by pkcrafter
Fri May 04, 2018 10:32 am
Forum: Investing - Help with Personal Investments
Topic: Moving from FSSVX to IJR
Replies: 3
Views: 258

Re: Moving from FSSVX to IJR

Keeping bloom's comments in mind, yes, you can simply switch to IJR in the 401k in one transaction.


Paul
by pkcrafter
Thu May 03, 2018 11:56 pm
Forum: Investing - Help with Personal Investments
Topic: US resident (non-citizen) soon returning needs advice
Replies: 8
Views: 974

Re: A timid investor needs a serious guidance

anich: After some contemplation, I think I still have to take some risk and invest in the market. If the investment turn sour by the time I've to depart, I take whatever I have and reinvest after reaching the home country, mostly at the similar prices (and forget about the retirement or delay it unt...
by pkcrafter
Tue May 01, 2018 11:34 am
Forum: Investing - Help with Personal Investments
Topic: Advice for problem firm holding my inherited funds
Replies: 21
Views: 1414

Re: Advice for problem firm holding my inherited funds

They cannot be prevented from refusing me as a customer. They can CHOOSE to accept my application without that information, but they are not REQUIRED to.
NIce, you would think it's THEIR MONEY! Dump them ASAP.


Paul