Search found 68 matches

by nwffdiver
Fri Dec 28, 2012 9:05 pm
Forum: Investing - Help with Personal Investments
Topic: how does IWV compare to VG TSM?
Replies: 5
Views: 658

Re: how does IWV compare to VG TSM?

Thanks Nispirius, That's way more info than I was able to find. I am pretty sure I'm going to switch as even though it uses the IWV ETF (ER .035) as opposed to a mutual fund for the Total stock index it is even more cheaper than my current combo of an S&P 500 index and a Small Cap Index at .44 and ....
by nwffdiver
Fri Dec 28, 2012 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: how does IWV compare to VG TSM?
Replies: 5
Views: 658

Re: how does IWV compare to VG TSM?

Thanks Livesoft, I looked at M* , bit unfortunately most of the articles require a premium membership, and I don't have one. I did find a few other pages about them, and they say they are similar although VTI or VG TSM is more complete. Anyone else have any other insight or suggestions?
by nwffdiver
Fri Dec 28, 2012 1:05 pm
Forum: Investing - Help with Personal Investments
Topic: Money Market vs. online bank: what am I missing?
Replies: 6
Views: 946

Re: Money Market vs. online bank: what am I missing?

My Ally account pays more than my Bank of America 18 month CD. I can't pull it out early or they'll charge me like $30. Just another of the investing mistakes I made before Educating myself!

And MM accounts are even worse now :oops:
by nwffdiver
Fri Dec 28, 2012 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: how does IWV compare to VG TSM?
Replies: 5
Views: 658

how does IWV compare to VG TSM?

At work we are eligible for 4 different 457 plans. I have always had ING, I started looking at the ER's in the Oregon Growth Savings plan and their Index stock Option is iShares Russell 3000 index, with an ER of .035. Their Int Bond is .10 (combination of 3 bond funds 1 index, 2 managed), but the In...
by nwffdiver
Tue Dec 25, 2012 11:37 pm
Forum: Investing - Theory, News & General
Topic: UPDATE: Get yours FREE this Sunday, Feb 3
Replies: 60
Views: 12562

Re: New book available. Get yours FREE Dec 22 & 23

Steve thank you and Dan for writing a book about your personal journey. It made me reflect on a couple of big mistakes I made earlier in my saving career. The whole Boglehead community is very special, and I feel lucky to be a part of it. I read the book in its entirety yesterday. A great read. I ho...
by nwffdiver
Sat Nov 17, 2012 11:31 am
Forum: Investing - Help with Personal Investments
Topic: Would like to streamline my portfolio
Replies: 20
Views: 2666

Re: Would like to streamline my portfolio

So. I guess I may need to rethink my need for REITs as well. I get the impression they add more volatility, and MAYBE some non correlated diversification. Possibly more complication than I need. I appreciate everyone who has given me ideas here. I have learned more on this board, and reading the BGH...
by nwffdiver
Sat Nov 17, 2012 11:19 am
Forum: Investing - Help with Personal Investments
Topic: Would like to streamline my portfolio
Replies: 20
Views: 2666

Re: Would like to streamline my portfolio

YDNAL,

His/Her Roth IRA
9% Vanguard IT Bond Index (VBIIX 0.22%, VBILX 0.11% over $10,000)


Is there a reason you prefer the Intermediate term bond to VG TBM?
by nwffdiver
Thu Nov 15, 2012 9:27 pm
Forum: Investing - Help with Personal Investments
Topic: Would like to streamline my portfolio
Replies: 20
Views: 2666

Re: Would like to streamline my portfolio

YDNAL and ruralavalon, thanks for the explanations.
by nwffdiver
Thu Nov 15, 2012 5:09 pm
Forum: Investing - Help with Personal Investments
Topic: Would like to streamline my portfolio
Replies: 20
Views: 2666

Re: Would like to streamline my portfolio

Thanks for all the replies, obviously I have some work to do. One question I thought I might use the SEIX bond in her 401 as the expense was lower than the PIMCO, yet everyone seems to have avoided it. Is there a reason, or was it just how everything lined up? I was definitely planning on moving the...
by nwffdiver
Thu Nov 15, 2012 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: Would like to streamline my portfolio
Replies: 20
Views: 2666

Re: Would like to streamline my portfolio

The IAP is a secondary account (part of my pension plan) I added it in the total as it is amount added for consideration. However I have no control over how the money is invested. I probably should have left it out of the conversation .

So for discussion my total is about 165k.
by nwffdiver
Thu Nov 15, 2012 11:36 am
Forum: Investing - Help with Personal Investments
Topic: Would like to streamline my portfolio
Replies: 20
Views: 2666

Re: Would like to streamline my portfolio

223k includes the 58k in the IAP, it's actually only 165k I have control over the accounts. The IAP is run by the PERS investment council. It grows by 6% of my salary annually.

So I added it into the total, sorry I should have been clearer on that.
by nwffdiver
Thu Nov 15, 2012 11:33 am
Forum: Investing - Help with Personal Investments
Topic: Would like to streamline my portfolio
Replies: 20
Views: 2666

Re: Would like to streamline my portfolio

Pingo, I just forgot to add the taxable percentages. I realize my wife's plan has much better cost than mine. She doesn't make near the money I do so she feels like if she contributes more, we won't have enough cash for day to day. I do consider those as part of my FI. How can I divide up the other ...
by nwffdiver
Wed Nov 14, 2012 11:00 pm
Forum: Investing - Help with Personal Investments
Topic: Would like to streamline my portfolio
Replies: 20
Views: 2666

Would like to streamline my portfolio

I want to thank everyone for the first round of help streamlining my portfolio. I have instituted all the lowest cost index funds available in my different accounts. Wondering how it looks ? **Update** Emergency Fund: 5-6 months Debt: Mortgage: 148K @ 3% (15 yr) Tax Filing Status: Married filing Joi...
by nwffdiver
Sun Nov 04, 2012 8:48 pm
Forum: Forum Issues and Administration
Topic: [merged donation threads] Dear Bogleheads - time to pony up
Replies: 277
Views: 21524

Re: Dear Bogleheads - time to pony up

I am new to the site, but I have to admit I missed it during the superstorm. Kept checking every couple hours. PayPal made it an easy donation. Thanks to all the admins for their work, and everyone else for all the great free information! :D
by nwffdiver
Tue Oct 23, 2012 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: Fund picking and is a Roth IRA right for me?
Replies: 4
Views: 631

Re: Fund picking and is a Roth IRA right for me?

I am in a very similar situation, and actually think we share the same NW funds. (I'm about 10 years ahead age wise) but since your employer doesn't give a match you should definitely max out a Roth IRA before adding more money to your 457. I worry that my PERS (pension) may actually be voted out of...
by nwffdiver
Tue Oct 23, 2012 4:08 pm
Forum: Investing - Help with Personal Investments
Topic: Fund picking and is a Roth IRA right for me?
Replies: 4
Views: 631

Re: Fund picking and is a Roth IRA right for me?

I am in a very similar situation, and actually think we share the same NW funds. (I'm about 10 years ahead age wise) but since your employer doesn't give a match you should definitely max out a Roth IRA before adding more money to your 457. I worry that my PERS (pension) may actually be voted out of...
by nwffdiver
Mon Oct 15, 2012 7:30 pm
Forum: Investing - Help with Personal Investments
Topic: A question about I Bonds
Replies: 3
Views: 860

Re: A question about I Bonds

First, thanks for the help :happy Remember, you can always redeem I Bonds after the first year if something more attractive comes along. Therefore, I would simply consider them as short-term given the 0% current fixed rate. If they continue to outperform other risk-free investments based on the infl...
by nwffdiver
Mon Oct 15, 2012 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: A question about I Bonds
Replies: 3
Views: 860

A question about I Bonds

I am new to the forum (been lurking about a month). My question is about I bonds. The best I can understand from the Treasurys site is that the Fixed rate is currently 0%, but the inflation Rate ( for the next 6 months) is 2.2 %. I realize that is subject to go up or down in the next 6 months. My qu...