Search found 12825 matches

by pkcrafter
Tue Aug 14, 2018 9:50 pm
Forum: Investing - Help with Personal Investments
Topic: Wealthfront 529 vs Vanguard NV 529
Replies: 1
Views: 177

Re: Wealthfront 529 vs Vanguard NV 529

My son is joining high school this month and I want to open a 529 for his college and superfund it with $70K. I live in a state which does not offer any tax benefits on 529 contributions so I can choose any plan. I explored Wealthfront 529 and found it is internally investing in Naveda's 529 which ...
by pkcrafter
Tue Aug 14, 2018 8:06 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Target Dates
Replies: 4
Views: 655

Re: Retirement Target Dates

Thanks. I was putting this together for my wife. I think in her case it’s be easier to just do the retirement target date fund. Plus, vanguards fees for retirement date funds are really low, and has a low portfolio turnover. (I saw 4% on the 2055 fund) You need to understand that TR funds are aggre...
by pkcrafter
Tue Aug 14, 2018 2:52 pm
Forum: Investing - Help with Personal Investments
Topic: What am I missing about bonds...
Replies: 26
Views: 2735

Re: What am I missing about bonds...

Most of my money in my various type of accounts is at Schwab. I have some Wellington VWELX in both taxable and deferred accounts. I have been thinking lately of breaking that up to redirect that back into separate funds, elsewhere in my portfolio at lower ER via index and bonds. My AA is +90% s&p a...
by pkcrafter
Mon Aug 13, 2018 11:16 pm
Forum: Investing - Help with Personal Investments
Topic: Asked my advisor about fees and here's their reply
Replies: 40
Views: 5027

Re: Asked my advisor about fees and here's their reply

John, how many funds do you have. Would you mind posting some of them along with ticker symbols? Paul Sure, heres what I see: DFTCX $47,500 DFTWX $21,500 QTMRX $18,000 DFSMX $13,700 DFTIX $13,000 BTIIX $18,000 DGEIX $11,500 DFUVX $10,600 DURPX $10,600 AMOMX $1,500 DFSVX $7800 DFSTX $6000 DFVIX $950...
by pkcrafter
Mon Aug 13, 2018 9:26 pm
Forum: Investing - Help with Personal Investments
Topic: Asked my advisor about fees and here's their reply
Replies: 40
Views: 5027

Re: Asked my advisor about fees and here's their reply

John, how many funds do you have. Would you mind posting some of them along with ticker symbols?

Paul
by pkcrafter
Mon Aug 13, 2018 7:25 pm
Forum: Investing - Help with Personal Investments
Topic: VTSAX, rebalancing...market crash question
Replies: 14
Views: 1704

Re: VTSAX, rebalancing...market crash question

Good day bogleheads. This is my first post. I'm excited! Just a quick run down. Right now I have 3 accounts, Roth, tIRA, and brokerage with Vanguard. Both the IRAs have about $19,450 right now, and the brokerage has $14.5k, and all 3 are 100% VTSAX. I just turned 37 and make about 85k/yr. I've been...
by pkcrafter
Sun Aug 12, 2018 9:11 pm
Forum: Investing - Help with Personal Investments
Topic: [How can I simplify rebalancing across multiple accounts?]
Replies: 5
Views: 569

Re: [How can I simplify rebalancing across multiple accounts?]

[Moved into a new thread from: Solo 401k w/457 and Roth IRA-How to balance and allocate --admin LadyGeek] Thanks for reviewing my thread. I read the boadhead threads and guidelines. I like to present multi account across multiple brokerages bring me allocation & balance nightmare. I am looking some...
by pkcrafter
Sun Aug 12, 2018 10:42 am
Forum: Investing - Help with Personal Investments
Topic: “Safe” investment approaching retirement
Replies: 17
Views: 1638

Re: “Safe” investment approaching retirement

I did have a substantial portion of my retirement funds in Vanguard Short-Term Investment-Grade Fund (VFSUX) during the crash, and I bailed in October 2008 because I hadn't anticipated losing that much money in a short term bond fund. It recovered quickly after that of course. Well, that's interest...
by pkcrafter
Sat Aug 11, 2018 11:27 pm
Forum: Investing - Theory, News & General
Topic: I had a meeting with David Swensen tonight!
Replies: 59
Views: 9400

Re: I had a meeting with David Swensen tonight!

Here's the updated version of this comparison. I believe Swensen moved from 20% REIT to 15%. Anyway, this link compares Swensen's portfolio to the 3 fund with the same AA. It's a tie, and the conclusion is.... Lesson learned: Portfolios do not need to be complicated to be successful. :happy https://...
by pkcrafter
Sat Aug 11, 2018 10:33 am
Forum: Investing - Help with Personal Investments
Topic: Newly retired - need to make a big change
Replies: 34
Views: 5172

Re: Newly retired - need to make a big change

Highfeehater wrote: He knows I am upset and he offered to work with me to transfer my SEI funds to wherever I want, waive his fee, and only get charged $100 each for my 4 accounts. What is he charging you $400 for? It might be an account closing fee of $100 for each of your accounts, but you should ...
by pkcrafter
Sat Aug 11, 2018 8:50 am
Forum: Investing - Help with Personal Investments
Topic: Preparing for a bear market
Replies: 43
Views: 4954

Re: Preparing for a bear market

Until a month ago, we were comfortable maintaining a 70/30 mix between stock and bond index funds. But we are increasingly concerned that there may be a recession in the next three years and it seems like we are taking more risk than needed. For that reason, we recently reallocated to a 50/50 mix. ...
by pkcrafter
Fri Aug 10, 2018 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: Old dog needs to learn to manage his investments
Replies: 60
Views: 4935

Re: Old dog needs to learn to manage his investments

I'm a little surprised that you folks seem to be leaning toward the Lifestrategy fund rather than the Three or Four Fund Portfolio? After so many years of having a dozen mutual funds putting it all in one fund seems a little, all eggs in one basket to me. Even though the single funds risk is spread...
by pkcrafter
Fri Aug 10, 2018 9:59 am
Forum: Investing - Help with Personal Investments
Topic: Old dog needs to learn to manage his investments
Replies: 60
Views: 4935

Re: Old dog needs to learn to manage his investments

The Vanguard Three and Four Fund Portfolios sure make a lot of sense to me. I like the simplicity as well as their success. It really seems to be about adopting a philosophy for investing. I also like the fact that if I happen to kick the bucket before my wife it's not some bewildering thing for he...
by pkcrafter
Thu Aug 09, 2018 10:22 pm
Forum: Investing - Theory, News & General
Topic: Request for distribution data of Vanguard REIT Index Fund
Replies: 10
Views: 866

Re: Request for distribution data of Vanguard REIT Index Fund

FactualFran wrote:
Thu Aug 09, 2018 2:12 pm
I would appreciate it if someone posted a reply with the per share amount of each of the five return of capital distributions made by the Vanguard REIT Index Fund Investor Shares (VGSIX) from June 2007 to June 2008.
You will probably have to call Vanguard for this information.

Paul
by pkcrafter
Thu Aug 09, 2018 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: Total Stock and Total Bond Market(s) at Vanguard
Replies: 14
Views: 1821

Re: Total Stock and Total Bond Market(s) at Vanguard

Thank you all so much. Of course these excellent replies and they were extremely helpful raises the point mentioned earlier about "tilting". As I understand it, some investors that follow the Boglleheads philosophy would not engage in "tilting", let's say overweighing small caps by buying this addi...
by pkcrafter
Thu Aug 09, 2018 11:09 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing When Average Are Under or Over Market Prices(?)
Replies: 8
Views: 643

Re: Rebalancing When Average Are Under or Over Market Prices(?)

Here's a previous discussion on Kelly's method for anyone who might be interested.

viewtopic.php?t=190514

Paul
by pkcrafter
Wed Aug 08, 2018 11:45 pm
Forum: Investing - Help with Personal Investments
Topic: Old dog needs to learn to manage his investments
Replies: 60
Views: 4935

Re: Old dog needs to learn to manage his investments

Okay, here's what we're in....more info that you wanted I imagine. Preferreds TRIPLEPOINT VENTURE GROWTH BDC Corp note TPVY (5.75% due 7/15/22) DIANA SHIPPING INC SR NOTE DSXN (8.5% Due 5/15/20) GMAC CAPITAL TR 1 GTD TR PRD SECS SER 2 ALLY’A CASH Fixed Income TWO HBRS INVT CORP SR NOTE CONV CASH (6...
by pkcrafter
Wed Aug 08, 2018 7:36 pm
Forum: Investing - Help with Personal Investments
Topic: Nervous about not using a personal wealth manager. How do I do this myself?
Replies: 135
Views: 6054

Re: Planning to invest in these funds -- any issues?

[Thread merged into here, see below. --admin LadyGeek] I have posted a couple times recently ( here and here ) about how my wife and I have recently been seeing a financial advisor. At this point, we plan on managing the portfolio ourselves. He is recommending that we purchase the following funds. ...
by pkcrafter
Wed Aug 08, 2018 3:32 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking Words of Wisdom
Replies: 4
Views: 519

Re: Seeking Words of Wisdom

Greetings, I have much admiration for the insights, knowledge and support people offer here. I've visited frequently, but never posted. Having just turned 64, with fewer than more years of earning potential ahead, I'd like insight on my short term investment choices. We're blessed to have amassed s...
by pkcrafter
Wed Aug 08, 2018 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: Old dog needs to learn to manage his investments
Replies: 60
Views: 4935

Re: Old dog needs to learn to manage his investments

I really appreciate you all sharing your advice and experience. It’s wonderful. I think I’ll spend the next several weeks digesting all of this good information and running some comparisons with the goal of making a positive change before the end of the year. I’m really looking forward to it! Thank...
by pkcrafter
Wed Aug 08, 2018 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Advice - Lump sum investing
Replies: 15
Views: 1146

Re: Investment Advice - Lump sum investing

Hi all - I am fortunate to have a 250k lump sum to invest. I've read and read and read about lump sum investing vs DCA and how lump sum is the better approach most of the time. I've been sitting on this money since Feb 2018 of course thinking the market was in a down swing. Currently the majority o...
by pkcrafter
Tue Aug 07, 2018 11:03 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalance / Additional Funding / Bonds - Assistance Please
Replies: 5
Views: 500

Re: Rebalance / Additional Funding / Bonds - Assistance Please

All accounts are part of one portfolio. That allows you to optimize fund placement. Bonds in the tax-advantaged accounts, tax-efficient equity funds in tax-advantaged accounts and taxable. 2. In a continued effort to rebalance, I'm thinking of selling VINIX and buying more of WFBIX in my 401k. Wise ...
by pkcrafter
Tue Aug 07, 2018 10:42 pm
Forum: Investing - Help with Personal Investments
Topic: Should I pay for a 401k?
Replies: 32
Views: 2095

Re: Should I pay for a 401k?

Some of the small business plans require the company owner to contribute to employee funding. Sounds like your employer doesn't want to do that. Here's another option, but again, your employer doesn't know what he doing. He has prohibited his own pre-tax retirement funding by not having a plan. http...
by pkcrafter
Tue Aug 07, 2018 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: Best over the counter stock mutual fund?
Replies: 9
Views: 1056

Re: Best over the counter stock mutual fund?

The only OTC fund I know of is from Fidelity, FOCPX. Paul That fund is called OTC, but the name makes no sense. It looks like a megacap tech fund to me as its top holdings are Apple, Amazon, Alphabet, Facebook, and Microsoft. True, the Fidelity fund is called OTC, and it is the only one that uses t...
by pkcrafter
Tue Aug 07, 2018 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: Best over the counter stock mutual fund?
Replies: 9
Views: 1056

Re: Best over the counter stock mutual fund?

The only OTC fund I know of is from Fidelity, FOCPX.

Paul
by pkcrafter
Tue Aug 07, 2018 10:40 am
Forum: Investing - Help with Personal Investments
Topic: Question about my Portfolio's Performance
Replies: 6
Views: 595

Re: Question about my Portfolio's Performance

Thanks for the feedback everyone. And great idea about finding a benchmark fund to compare it to. You can pick a "benchmark" like a TR fund, but you are holding 3x the amount of small cap that is in total stock market, so be aware that you will get tracking error. Small may outperform large over lo...
by pkcrafter
Tue Aug 07, 2018 10:19 am
Forum: Investing - Help with Personal Investments
Topic: About a decade behind on investing - jumping start advice?
Replies: 15
Views: 1247

Re: About a decade behind on investing - jumping start advice?

Vanguard's small business plans https://investor.vanguard.com/what-we-offer/small-business/compare-plans Tax efficient fund placement https://www.bogleheads.org/wiki/Tax-efficient_fund_placement Decide on an overall asset allocation, then fund the small business plan you choose, back-door Roth, and ...
by pkcrafter
Tue Aug 07, 2018 9:42 am
Forum: Investing - Help with Personal Investments
Topic: 401k administrative fees
Replies: 19
Views: 1079

Re: 401k administrative fees

Here is some information of 401k plan fees. If what you have listed is all of the fees, then you aren't too bad https://www.plansponsor.com/new-401k-averages-book-continues-show-larger-plans-pay-lower-fees/ https://humaninterest.com/blog/average-401k-fees/ Now let's take a look at some of your avail...
by pkcrafter
Mon Aug 06, 2018 11:00 pm
Forum: Investing - Help with Personal Investments
Topic: Fee only advisor suggestion
Replies: 7
Views: 911

Re: Fee only advisor suggestion

Joe, Harry Sit is good, and here is link to Garrett Financial Network, also good. https://www.garrettplanningnetwork.com/about Having posted this, your best first bet is posting your information here and seeing what the members recommend. It's usually a version of the 3-fund portfolio. Really all yo...
by pkcrafter
Mon Aug 06, 2018 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie quick questions about risk
Replies: 13
Views: 684

Re: Newbie quick questions about risk

Hammer: PS. This morning I had a financial professional tell me that DIY investors are almost almost destined to fail because they don’t know how to buy and sell at the right times. :confused Ask him if he will guarantee to outperform a buy and hold index investor. Start at 40/60 like I did in 1998,...
by pkcrafter
Sun Aug 05, 2018 10:40 pm
Forum: Investing - Help with Personal Investments
Topic: Whole Life - wish I knew then what I have learned now
Replies: 7
Views: 1413

Re: Whole Life - wish I knew then what I have learned now

Here is probably the clearest explanation of this policy you're going to find. :confused I couldn't find the actual cost of this policy, which makes me suspicious of the intentions of the article. https://bankingtruths.com/pacific-life-pdx-pacific-discovery-xelerator/ Oops, found another article-- ...
by pkcrafter
Sun Aug 05, 2018 9:45 pm
Forum: Investing - Help with Personal Investments
Topic: Whole Life - wish I knew then what I have learned now
Replies: 7
Views: 1413

Re: Whole Life - wish I knew then what I have learned now

Here is probably the clearest explanation of this policy you're going to find. :confused I couldn't find the actual cost of this policy, which makes me suspicious of the intentions of the article. https://bankingtruths.com/pacific-life-pdx-pacific-discovery-xelerator/ Oops, found another article-- h...
by pkcrafter
Sun Aug 05, 2018 4:58 pm
Forum: Investing - Help with Personal Investments
Topic: My wife's 403B allocation and investments help
Replies: 4
Views: 352

Re: My wife's 403B allocation and investments help

Welcome, Yes, it would help a lot if you follow the suggested format and include any investments of your own. Also, it's much more efficient and eliminates duplication if you consider all accounts as one retirement portfolio. That would include both you and your wife's accounts unless for some reaso...
by pkcrafter
Sat Aug 04, 2018 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: Has Anyone Used Grove for CFP Guidance?
Replies: 6
Views: 542

Re: Has Anyone Used Grove for CFP Guidance?

So, there's a new CFP/Personal Financial Planning model in town. Grove - as discussed on MadFientist and other FI/PF blogs. http:///www.hellogrove.com The idea is that you pay ~ a $600 flat fee, and they do checkups, create an investment plan, they'll manage your portfolio if you prefer (or won't i...
by pkcrafter
Sat Aug 04, 2018 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: tax managed funds
Replies: 2
Views: 266

Re: tax managed funds

I don't have a preference for the two funds you listed, both are tax-efficient and 10 year performance is virtually identical, but the small caps in total stock market may eventually create a bit higher return. Performance chart... http://quotes.morningstar.com/chart/fund/chart?t=VTCLX®ion=usa&cu...
by pkcrafter
Fri Aug 03, 2018 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: Early Retirement Income Allocation Portfolio Recommendations
Replies: 11
Views: 1422

Re: Early Retirement Income Allocation Portfolio Recommendations

Welcome, comments below in blue. I'm 57, single, and got an unforeseen early retirement (layoff) last November. Looking to change my investment portfolio mix to focus on Income Allocation Portfolio and learn how to draw down for the least taxes and most efficient way of utilizing assets. Tax Advant...
by pkcrafter
Thu Aug 02, 2018 11:49 pm
Forum: Investing - Help with Personal Investments
Topic: Nervous about not using a personal wealth manager. How do I do this myself?
Replies: 135
Views: 6054

Re: Financial Planner is going to buy funds for me. What should I find out first before letting him?

My new wife and I just spent about $2k on a financial planner to get an investment plan in place. We really liked the advisor we worked with and found the process very helpful. After getting tons of helpful feedback in a previous post of mine on weather to use his firm for wealth management, I am p...
by pkcrafter
Wed Aug 01, 2018 12:40 pm
Forum: Investing - Help with Personal Investments
Topic: 457 or taxable help!
Replies: 8
Views: 291

Re: 457 or taxable help!

Is there a match? Also, check to see if there are any other 401k providers.

Paul
by pkcrafter
Wed Aug 01, 2018 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: Fund expenses for TDFs
Replies: 3
Views: 117

Re: Fund expenses for TDFs

First, you are looking at non-index TR funds. Here are the TR Index funds. TR2035 is 0.08% and that is total cost. You don't add in the underlying funds. You don't add in expense ratios of underlying funds in any TR fund. https://www.schwab.com/public/schwab/investing/accounts_products/investment/mu...
by pkcrafter
Wed Aug 01, 2018 11:27 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation for a intermediate savings goal.
Replies: 12
Views: 996

Re: Asset Allocation for a intermediate savings goal.

Considering you have some flexibility, something like this might work. 40/60 first 3 years. If there is a substantial market drop, continue to hold until recovery, then reduce to 30/70 until 5 years from needing the money. If no major drop in first 3 years, then reduce to 30-70 until 5 years from ne...
by pkcrafter
Wed Aug 01, 2018 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Nervous about not using a personal wealth manager. How do I do this myself?
Replies: 135
Views: 6054

Re: Nervous about not using a personal wealth manager. How do I do this myself?

Welcome, maxsamson, Yes, you can manage your assets. What is your overall asset allocation? Buy, hold, stay on track. Think of all retirement accounts as one portfolio. Don't include emergency funds or house savings. Rebalance with new money and/or rebalance if necessary once or twice a year. Only t...
by pkcrafter
Tue Jul 31, 2018 9:51 pm
Forum: Investing - Help with Personal Investments
Topic: 60 day indirect rollover - does deadline end on trade date or settlement?
Replies: 9
Views: 615

Re: 60 day indirect rollover - does deadline end on trade date or settlement?

My first time doing an indirect rollover. I made the deadline, but out of curiosity, is the 60-day deadline based on the settlement date (cash has to hit the receiving broker) or the trade date (the day the transfer is initiated)? I asked the broker, and he said the trade date, but that doesn't mak...
by pkcrafter
Tue Jul 31, 2018 6:18 pm
Forum: Investing - Theory, News & General
Topic: Learning How to Value Invest
Replies: 5
Views: 588

Re: Learning How to Value Invest

Top Three are the ones to focus on... https://www.investopedia.com/university/value-investing/value-investing7.asp Having said that, I would recommend the Bogleheads' strategy. https://www.bogleheads.org/wiki/Getting_started https://www.bogleheads.org/forum/viewtopic.php?f=10&t=88005 https://www.van...
by pkcrafter
Tue Jul 31, 2018 10:32 am
Forum: Investing - Theory, News & General
Topic: Interesting Take on the 3 Fund Model
Replies: 66
Views: 2911

Re: The Guy with the Weird Portfolio

Well, centennialstate, you asked. :happy How did you come up with those sectors? Do you have some special information? Gut feeling? Past returns? If your goal is to beat the market, perhaps you have a chance, but you will also have 4 chances of underperforming a Boglehead portfolio. REITs certainly ...
by pkcrafter
Tue Jul 31, 2018 10:12 am
Forum: Investing - Theory, News & General
Topic: DOOM!!!!! Morgan Stanley warns
Replies: 41
Views: 4767

Re: DOOM!!!!! Morgan Stanley warns

As you can see, those big headlines can be scary to many, but of course, not to seasoned Bogleheads. :wink: I'm beginning to think this is all planned by the insiders. Once they have driven the market up and collected profits, they want to reverse the cycle, drive the market down and they buy in aga...
by pkcrafter
Mon Jul 30, 2018 8:50 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Difficulties Of Discipline
Replies: 12
Views: 1448

Re: Larry Swedroe: Difficulties Of Discipline

Thanks for the link RW. An excellent article by Larry. Hats off to Larry!

Paul