Search found 625 matches

by kayanco
Mon Jun 09, 2014 12:15 am
Forum: Investing - Help with Personal Investments
Topic: Expense ratio? How much difference does it make?
Replies: 25
Views: 2655

Re: Expense ratio? How much difference does it make?

Does ER matter for asset classes that have no low cost investment options like frontier markets or commodity futures? There is no comparison you can make to something cheaper wt Vanguard. The returns you get is as good as you will do. ER matters among options in any asset class; if the least expens...
by kayanco
Sun Jun 08, 2014 11:51 pm
Forum: Investing - Help with Personal Investments
Topic: Basics help! Asset Allocation?/401k/Roth [Confused...]
Replies: 60
Views: 4446

Re: Basics help! 401k/Roth/AA [Confused...]

[Progress update :happy ] Dear folks, based on all the valuable help you all have given me in this thread and elsewhere...I've taken these steps: (instead of figuring out EVERYTHING at the same time, I just implemented a few things, and I'll go from here) 1. Increased retirement contributions to 50%...
by kayanco
Sun Jun 08, 2014 11:00 pm
Forum: Investing - Help with Personal Investments
Topic: Basics help! Asset Allocation?/401k/Roth [Confused...]
Replies: 60
Views: 4446

Re: Basics help! 401k/Roth/AA [Confused...]

Kayanco, I will do my best to answer your questions. My thinking is this: 1) your Equity Index is most likely the S&P 500; 2) Pairing Equity Index with Sm Mid-Cap Core Index will replicate the Total US Stock Market; .... I do have to say, you are spot on!! I found it incredible that you were able t...
by kayanco
Sun Jun 08, 2014 10:36 pm
Forum: Investing - Help with Personal Investments
Topic: Basics help! Asset Allocation?/401k/Roth [Confused...]
Replies: 60
Views: 4446

Re: Basics help! 401k/Roth/AA [Confused...]

From digging more into this incredible useful form and the Wiki.... it looks like.... In my 401(k) if we combine (approx): 80% Equity Index fund (S&P 500) + 20% Small-Mid Cap Core Index Fund (S&P Completion Index) = S&P Total Market Index (I believe "S&P Total Market Index" should be good approximat...
by kayanco
Sun Jun 08, 2014 7:52 pm
Forum: Investing - Help with Personal Investments
Topic: Basics help! Asset Allocation?/401k/Roth [Confused...]
Replies: 60
Views: 4446

Re: Basics help! 401k/Roth/AA [Confused...]

LadyGeek wrote:What is the asset allocation of your selected "pre-mixed" 2045 target date fund?

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by kayanco
Sun Jun 08, 2014 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: Basics help! Asset Allocation?/401k/Roth [Confused...]
Replies: 60
Views: 4446

Re: Basics help! 401k/Roth/AA [Confused...]

Will your employer's 401k plan allow you to leave your account there after you leave their employment? Sorry I missed your questions, my bad....Yes they will The 401(k) plan is with Fidelity NetNenefits I don't see the ticker names. And they all say: The investment option has been unitized by Fidel...
by kayanco
Sun Jun 08, 2014 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: Basics help! Asset Allocation?/401k/Roth [Confused...]
Replies: 60
Views: 4446

Re: Basics help! 401k/Roth/AA [Confused...]

Tax Filing Status: Single Tax Rate: 25% Federal, 0% State State of Residence: TX . . . . . (looks like I also have option of Roth...but I don't understand this concept at all...please help/guide me!) . . . . . Should I: . . . . . iii) open some other IRA? Roth IRA? (I keep reading about it, but don...
by kayanco
Sun Jun 08, 2014 5:28 pm
Forum: Investing - Help with Personal Investments
Topic: Basics help! Asset Allocation?/401k/Roth [Confused...]
Replies: 60
Views: 4446

Re: Basics help! 401k/Roth/AA [Confused...]

What is the asset allocation of your selected "pre-mixed" 2045 target date fund? Go into your company's fund info and see if it matches your desired 80% stocks / 20 % bonds allocation. If so, that's fine. If not, you can change it. ruralavalon is suggesting a more cost-effective approach, but bear ...
by kayanco
Sun Jun 08, 2014 12:26 pm
Forum: Investing - Theory, News & General
Topic: Why US over International?
Replies: 15
Views: 2018

Re: Why US over International?

Guys, I want to thank everyone for sharing your knowledge and feedback. I'm happy I found this place, I'm becoming aware of many basic things that I think most folks know, but I was completely oblivious of. For example, I used to think bonds are bad, because their yield is low...but now I understand...
by kayanco
Sun Jun 08, 2014 10:19 am
Forum: Investing - Help with Personal Investments
Topic: Basics help! Asset Allocation?/401k/Roth [Confused...]
Replies: 60
Views: 4446

Re: Basics help! Roth/401k

1. One complication is, I may move out of the US in 5-6 years...permanently, and leaving current employer. So I need to take that possibility into consideration. This makes things complicated. Will you be surrendering your US citizenship? You might do better asking these questions in an ex-pat foru...
by kayanco
Sun Jun 08, 2014 3:49 am
Forum: Investing - Theory, News & General
Topic: Why US over International?
Replies: 15
Views: 2018

Re: Why US over International?

The historic efficient frontier for international equities is ~20%. This number moves around, with internationals outpacing the US in some decades and trailing in others. For what it's worth, I split 50 US/50 International. My logic is this: (1) We don't know what the efficient frontier is in the f...
by kayanco
Sun Jun 08, 2014 3:41 am
Forum: Investing - Help with Personal Investments
Topic: What does this mean? [investing terms and concepts]
Replies: 14
Views: 1518

Re: What does this mean? [investing terms and concepts]

boombaz, Gattamelata, kenner and Alex Frakt....guys...thanks so much for answering my questions!

Really appreciate it!

I'm just amazed by the wealth of knowledge!!

Thanks a lot!!
by kayanco
Sun Jun 08, 2014 2:31 am
Forum: Investing - Help with Personal Investments
Topic: Basics help! Asset Allocation?/401k/Roth [Confused...]
Replies: 60
Views: 4446

Re: Basics help! Roth/401k

Edited original post to answer questions from ruralavalon...
by kayanco
Sun Jun 08, 2014 12:40 am
Forum: Investing - Help with Personal Investments
Topic: What does this mean? [investing terms and concepts]
Replies: 14
Views: 1518

What does this mean? [investing terms and concepts]

Hi guys, I was reading some posts and articles here, and I came across these quotes that I can't understand. Can someone please explain these? 1. "You generally want to hold bonds in a retirement account and stocks in a taxable account" Does retirement account refer to 401(k)? What does taxable acco...
by kayanco
Sun Jun 08, 2014 12:07 am
Forum: Investing - Theory, News & General
Topic: Why US over International?
Replies: 15
Views: 2018

Why US over International?

Hey guys. In looking at the lazy portfolios, I notice that in all cases, there is much greater % allocation to US stock index vs. International stock index. And for bonds, it's only US bond index, and no International bond index? Can someone please explain the reasoning behind this? Is it because mo...
by kayanco
Sat Jun 07, 2014 5:59 pm
Forum: Investing - Help with Personal Investments
Topic: Expense ratio? How much difference does it make?
Replies: 25
Views: 2655

Re: Expense ratio? How much difference does it make?

FYI, to help other folks with a similar question, I found these calculators :happy http://www.begintoinvest.com/expense-ratio-calculator http://www.calcxml.com/do/inv12 They will tell you the difference in $ amount based on expense ration - so you can determine the final impact of expense ratio. (th...
by kayanco
Sat Jun 07, 2014 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: Expense ratio? How much difference does it make?
Replies: 25
Views: 2655

Re: Expense ratio? How much difference does it make?

Is it true that a relatively small portfolio for someone just starting out saving for retirement that expense ratios don't matter as much in their early years? For someone with a $100k portfolio, it's $1k in fees at a 1% er, which doesn't seem too bad at the onset. It does indeed matter - assuming ...
by kayanco
Sat Jun 07, 2014 5:12 pm
Forum: Investing - Help with Personal Investments
Topic: Expense ratio? How much difference does it make?
Replies: 25
Views: 2655

Re: Expense ratio? How much difference does it make?

Is it true that a relatively small portfolio for someone just starting out saving for retirement that expense ratios don't matter as much in their early years? For someone with a $100k portfolio, it's $1k in fees at a 1% er, which doesn't seem too bad at the onset. It does indeed matter - assuming ...
by kayanco
Sat Jun 07, 2014 3:00 pm
Forum: Investing - Help with Personal Investments
Topic: Expense ratio? How much difference does it make?
Replies: 25
Views: 2655

Re: Expense ratio? How much difference does it make?

Is it true that a relatively small portfolio for someone just starting out saving for retirement that expense ratios don't matter as much in their early years? For someone with a $100k portfolio, it's $1k in fees at a 1% er, which doesn't seem too bad at the onset. It does indeed matter - assuming ...
by kayanco
Sat Jun 07, 2014 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: Expense ratio? How much difference does it make?
Replies: 25
Views: 2655

Re: Expense ratio? How much difference does it make?

Admiral class components will give better results over your years of investing. But the TR funds rebalance for you. You need to decide if/how your asset allocation will change over time. You are starting with an 80/20 stock/bond allocation which might be appropriate for someone at the beginning of ...
by kayanco
Sat Jun 07, 2014 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: Expense ratio? How much difference does it make?
Replies: 25
Views: 2655

Re: Expense ratio? How much difference does it make?

Welcome to the forum :) . That makes my life easier that I don't have to worry about Vanguard expense rations...it was just a side concern I had. 10 years was just an example to help understand :) Don't ignore the expense ratios, even for Vanguard funds. But a difference of 0.03% is going to make l...
by kayanco
Sat Jun 07, 2014 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: Expense ratio? How much difference does it make?
Replies: 25
Views: 2655

Re: Expense ratio? How much difference does it make?

Admiral class components will give better results over your years of investing. But the TR funds rebalance for you. Hi, From what I've read about re-balancing, can you please tell if my understanding is correct? e.g. Today if we decide 50/30/20 for a 3-fund portfolio, then once a year, we should re...
by kayanco
Sat Jun 07, 2014 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: Expense ratio? How much difference does it make?
Replies: 25
Views: 2655

Re: Expense ratio? How much difference does it make?

johnny847, thanks so much for taking the time to help me understand! That makes my life easier that I don't have to worry about Vanguard expense rations...it was just a side concern I had. 10 years was just an example to help understand :) My main question, I've put here: http://www.bogleheads.org/f...
by kayanco
Sat Jun 07, 2014 4:24 am
Forum: Investing - Help with Personal Investments
Topic: Basics help! Asset Allocation?/401k/Roth [Confused...]
Replies: 60
Views: 4446

Basics help! Asset Allocation?/401k/Roth [Confused...]

[I've edited my original post, so please ignore the initial replies till "Call_Me_Op » Sun Jun 08"] Dear folks, I've tried to follow the format of "Asking Portfolio Questions"...please pardon me if I've missed something, just let me know and I'll correct it :) Overall, I'd like to implement a 3-Fund...
by kayanco
Sat Jun 07, 2014 12:38 am
Forum: Investing - Help with Personal Investments
Topic: Expense ratio? How much difference does it make?
Replies: 25
Views: 2655

Expense ratio? How much difference does it make?

Hi guys, I'm VERY new to investing. Can someone please help me understand expense ratio in this case: Vanguard LifeStrategy Growth Fund (VASGX) has 0.17% but It's components in Admiral class have 0.05%-0.14% How much of a difference does it make in the end? As in where/how would I see the difference...