Search found 754 matches

by spdoublebass
Thu Jun 01, 2017 2:25 pm
Forum: Personal Investments
Topic: AA Across Multiple Accounts.
Replies: 6
Views: 734

Re: AA Across Multiple Accounts.

[quote="ruralavalon"]In my opinion you are being far too complicated for a beginner, just starting your three accounts. Possibly, but I'm 33 and my wife 40, and each of these accounts serves a purpose. I'm going to max out my Roth IRA, so I thought we'd open one for her. We have 1099 incom...
by spdoublebass
Thu Jun 01, 2017 1:53 pm
Forum: Personal Investments
Topic: AA Across Multiple Accounts.
Replies: 6
Views: 734

AA Across Multiple Accounts.

I'm asking these questions looking forward. I recently have posted in this forum and posted my stats in the typical format etc... I have broader questions at this time regarding multiple accounts. - Currently my wife and I only have a Roth IRA in my name. We are close to maxing out my Roth IRA for t...
by spdoublebass
Thu Jun 01, 2017 4:09 am
Forum: Personal Investments
Topic: IRA Index picks?
Replies: 23
Views: 2241

Re: IRA Index picks?

John, VYMI hold 19% in EM Not saying you're wrong, but where did you find that stat? I thought it was more like 7%. I could be wrong though. Vanguard says it's 19%. https://personal.vanguard.com/us/funds/snapshot?FundIntExt=INT&FundId=4430#tab=2 Wow. Morningstar has it at less. 1.95% Europe Eme...
by spdoublebass
Wed May 31, 2017 10:37 pm
Forum: Personal Investments
Topic: IRA Index picks?
Replies: 23
Views: 2241

Re: IRA Index picks?

bsdsecprof wrote:
John, VYMI hold 19% in EM

Not saying you're wrong, but where did you find that stat?
I thought it was more like 7%. I could be wrong though.
by spdoublebass
Mon May 29, 2017 9:07 pm
Forum: Personal Investments
Topic: One Last Beginner Question Regarding Bonds
Replies: 26
Views: 3648

Re: One Last Beginner Question Regarding Bonds

I'd second the recommendation for Swedroe's book. Personally, almost all my fixed income is in non-bonds (a cash-balance pension and a stable value fund, and down the road I am planning to use a lot of the TSP's G Fund). I have a small allocation to TIPs, but no nominal bonds. However, if I wasn't ...
by spdoublebass
Mon May 29, 2017 8:15 pm
Forum: Personal Investments
Topic: One Last Beginner Question Regarding Bonds
Replies: 26
Views: 3648

Re: One Last Beginner Question Regarding Bonds

Beensabu wrote:These are a couple books I have seen repeatedly recommended here that you may find helpful:

The Only Guide to a Winning Bond Strategy You'll Ever Need: The Way Smart Money Preserves Wealth Today

~ Larry Swedroe and Joseph Hempen

The Bond Book

~ Annette Thau

Thanks!!!!!!!
by spdoublebass
Mon May 29, 2017 8:14 pm
Forum: Personal Investments
Topic: What happens after you max out your Roth IRA Limit?
Replies: 6
Views: 1891

Re: What happens after you max out your Roth IRA Limit?

So, if I understand this correctly, the 403b and the Solo 401K are basically the same thing. If so I would prefer the Solo 401K over the other because I do not know how long I'll be teaching there etc. Also, I'll always be filing a schedule C. I would also prefer to stay with Vanguard. Sorta but no...
by spdoublebass
Mon May 29, 2017 7:06 pm
Forum: Personal Investments
Topic: One Last Beginner Question Regarding Bonds
Replies: 26
Views: 3648

Re: One Last Beginner Question Regarding Bonds

My two cents: I'd consider owning a LESS diverse set of U.S. bonds than BND. This is based on the theory bonds are risk-management tools and you only want to buy the tools that help you accomplish your goals. But I wouldn't consider adding other U.S. bond funds to BND. That to me is going in the wr...
by spdoublebass
Mon May 29, 2017 6:48 pm
Forum: Personal Investments
Topic: One Last Beginner Question Regarding Bonds
Replies: 26
Views: 3648

Re: One Last Beginner Question Regarding Bonds

I would suggest sticking with what you have. You don't know why the alternatives may be good choices. None of us know what the next crash will be like. Your portfolio is good enough. You seem to be planning for a crash and yet you have an 80/20 stock bond portfolio with a size & value tilt. Per...
by spdoublebass
Mon May 29, 2017 6:35 pm
Forum: Personal Investments
Topic: One Last Beginner Question Regarding Bonds
Replies: 26
Views: 3648

Re: One Last Beginner Question Regarding Bonds

I do not like VGLT. Non-correllative to stocks is good but almost as risky. That is not what I want from a bond fund. I like the second one better but honestly you would be fine with 20% BND or 20% VGIT. Thanks. I'm realizing that's probably the best option. The only reason I gave it any thought is...
by spdoublebass
Mon May 29, 2017 5:55 pm
Forum: Personal Investments
Topic: One Last Beginner Question Regarding Bonds
Replies: 26
Views: 3648

Re: One Last Beginner Question Regarding Bonds

You might take a look at Intermediate Treasury (VFIUX) or Intermediate Government (VSIGX) for that purpose. Intermediate Treasury returned 13% in '08. Of course, no guarantee it will do that in the next bear market. I'm not trying to beat a dead horse with this issue. -I understand BND Total Bond M...
by spdoublebass
Mon May 29, 2017 3:59 pm
Forum: Personal Investments
Topic: Asking for help/ideas for my Father's retirement fund
Replies: 33
Views: 2078

Re: Asking for help/ideas for my Father's retirement fund

Just an update that I hope might give you a laugh on this Holiday. Last night my father had a beer, looked at me and said "Oh, I think I might have something else too. Some sharing thing I don't know." Turns out he has another $100K in profit sharing at work. I rolled my eyes and had to la...
by spdoublebass
Sat May 27, 2017 4:23 pm
Forum: Personal Investments
Topic: Asking for help/ideas for my Father's retirement fund
Replies: 33
Views: 2078

Re: Asking for help/ideas for my Father's retirement fund

livesoft wrote:Let me ask a question that should be easy to answer:

Should he invest in a 0.5% savings account or an account that pays about 3% interest?
The account that pays 3%.
by spdoublebass
Sat May 27, 2017 4:21 pm
Forum: Personal Investments
Topic: Asking for help/ideas for my Father's retirement fund
Replies: 33
Views: 2078

Re: Asking for help/ideas for my Father's retirement fund

I agree that if he want to invest in equities, then open an IRA, but not a Roth IRA. A problem is meeting the initial minimum purchase at Vanguard ... except that is not really a problem because he can use some of his emergency fund money to do the initial purchase. Also, since he is older than 59....
by spdoublebass
Sat May 27, 2017 4:12 pm
Forum: Personal Investments
Topic: Asking for help/ideas for my Father's retirement fund
Replies: 33
Views: 2078

Re: Asking for help/ideas for my Father's retirement fund

By "where," do you mean 1) what type of investment (stocks, bonds, cash) or 2) what custodian for the investment (Vanguard, Schwab, Fidelity, etc.) or 3) type of account (taxable, Roth IRA, traditional IRA, 401(k))? #3. Type of account. The others I understand. I have no knowledge of what...
by spdoublebass
Sat May 27, 2017 3:55 pm
Forum: Personal Investments
Topic: Asking for help/ideas for my Father's retirement fund
Replies: 33
Views: 2078

Re: Asking for help/ideas for my Father's retirement fund

They will add $12 if he puts in $48. If he puts in more then 48 (which he is doing, he's putting in $200 a week) they still only put the $12 in. He makes around 1200 a week. This is not good I know, but all they offer. Putting it in the correct percentages: If he contributes 4%, they contribute 1%....
by spdoublebass
Sat May 27, 2017 3:44 pm
Forum: Personal Investments
Topic: Asking for help/ideas for my Father's retirement fund
Replies: 33
Views: 2078

Re: Asking for help/ideas for my Father's retirement fund

They match 1% of 4% of his salary. So if he makes 1200 a week, 4% would be $48, they put in $12. That's the max, even though he is putting in $200 a week, they only match the 1% of 4% of his salary. So even though he puts in $200 a week, they still only match the $12. Are you certain about this? I ...
by spdoublebass
Sat May 27, 2017 3:27 pm
Forum: Personal Investments
Topic: Asking for help/ideas for my Father's retirement fund
Replies: 33
Views: 2078

Re: Asking for help/ideas for my Father's retirement fund

They match 1% of 4% of his salary. So if he makes 1200 a week, 4% would be $48, they put in $12. That's the max, even though he is putting in $200 a week, they only match the 1% of 4% of his salary. So even though he puts in $200 a week, they still only match the $12. Are you certain about this? I ...
by spdoublebass
Sat May 27, 2017 3:23 pm
Forum: Personal Investments
Topic: Asking for help/ideas for my Father's retirement fund
Replies: 33
Views: 2078

Re: Asking for help/ideas for my Father's retirement fund

I guess maybe it is 2.1% which is a decent fixed income rate. Yeah I meant 2.1%. Although Livesoft found it through a search as higher, I can't find the fund online. I have a statement here that year to date has been .52% I'm still confused as to where he should invest, the 401K he currently has or...
by spdoublebass
Sat May 27, 2017 2:58 pm
Forum: Personal Investments
Topic: Asking for help/ideas for my Father's retirement fund
Replies: 33
Views: 2078

Re: Asking for help/ideas for my Father's retirement fund

... where you can get over 1% interest on 1-yr CDs.) Would he be comfortable with an on-line bank/CU? Would he like to start with a 1+% savings account at Ally Bank to get used to online banking? bankrate.com shows rates from 6 months to 7 years for CDs. You could also call around to local banks an...
by spdoublebass
Sat May 27, 2017 2:41 pm
Forum: Personal Investments
Topic: Asking for help/ideas for my Father's retirement fund
Replies: 33
Views: 2078

Re: Asking for help/ideas for my Father's retirement fund

A web search shows that the Nationwide FXD SEL OPTN is not a money market fund, but is a fixed annuity paying 3.1% in the second quarter of 2017. If your father does not want to take any risk, then this investment is OK for him. What kind of income will he get in retirement? Social Security? Pensio...
by spdoublebass
Sat May 27, 2017 2:25 pm
Forum: Personal Investments
Topic: Asking for help/ideas for my Father's retirement fund
Replies: 33
Views: 2078

Re: Asking for help/ideas for my Father's retirement fund

Your father is investing as conservatively as possible right now, by having all his money in a money market fund. So if "conservative as possible" is really his goal, then he shouldn't change anything. As conservative as possible isn't consistent with having any stocks or bonds. So the is...
by spdoublebass
Sat May 27, 2017 1:11 pm
Forum: Personal Investments
Topic: Asking for help/ideas for my Father's retirement fund
Replies: 33
Views: 2078

Asking for help/ideas for my Father's retirement fund

Just to be up front, my father is a very conservative man. Very frugal, knows how to stretch a dollar. I have recently opened a Roth Ira for myself and learned a lot, but still do not know very much. My father and I were talking and he was sharing with me his 401K information. Here is his info and q...
by spdoublebass
Fri May 26, 2017 11:13 pm
Forum: Personal Investments
Topic: What happens after you max out your Roth IRA Limit?
Replies: 6
Views: 1891

Re: What happens after you max out your Roth IRA Limit?

spdoublebass, welcome to the forum! You can contribute up to 18k to the university’s 403b plan from your university employment. We would need to know more about the plan to know if that was a good idea. What are the funds you can select from, and what are their expense ratios? Are there any other f...
by spdoublebass
Fri May 26, 2017 10:29 pm
Forum: Personal Investments
Topic: What happens after you max out your Roth IRA Limit?
Replies: 6
Views: 1891

What happens after you max out your Roth IRA Limit?

I recently opened a Roth IRA through Vanguard. This forum has been great with helping me through that process. When I opened the account I really did not think we would max it out this year, but it's looking like we might be able to do so. We are both professional musicians and self employed at this...
by spdoublebass
Sun May 21, 2017 10:07 pm
Forum: Personal Investments
Topic: One Last Beginner Question Regarding Bonds
Replies: 26
Views: 3648

Re: One Last Beginner Question Regarding Bonds

For 20% of your portfolio, BND is fine and anything you add would probably not make a significant difference. That said, I would recommend reading a good book on different types of bonds. They all have a place depending on your needs. I had good luck with Larry Swedroe's Only Winning Bond Strategy....
by spdoublebass
Sun May 21, 2017 3:39 pm
Forum: Personal Investments
Topic: One Last Beginner Question Regarding Bonds
Replies: 26
Views: 3648

Re: One Last Beginner Question Regarding Bonds

The more I look at 2008, BND Total bond market performed just fine. I think I'll opt to just keep it simple and go with that one fund.
by spdoublebass
Sun May 21, 2017 2:24 pm
Forum: Personal Investments
Topic: One Last Beginner Question Regarding Bonds
Replies: 26
Views: 3648

Re: One Last Beginner Question Regarding Bonds

To be clear.... I'm interested in these three funds: -BND Total Bind Market -VGSH Governemnt Short Term (BSV=Short Term bond, is nice as well, but VGSH was more stable in 2008 due to including less corporate bonds) -BIV Inter-Term Bond. I know this is similar to BND, but I was thinking of a small po...
by spdoublebass
Sun May 21, 2017 1:43 pm
Forum: Personal Investments
Topic: One Last Beginner Question Regarding Bonds
Replies: 26
Views: 3648

Re: One Last Beginner Question Regarding Bonds

Consider that Merriman recommends Short-Term and Intermediate-Term Treasury funds, but also says a Total Bond fund is just fine. BND holds government and corporate bonds of short, intermediate, and long effective maturities -- that ends up having an average intermediate duration. So you've already ...
by spdoublebass
Sun May 21, 2017 8:33 am
Forum: Personal Investments
Topic: One Last Beginner Question Regarding Bonds
Replies: 26
Views: 3648

Re: One Last Beginner Question Regarding Bonds

VGLT would be a long term bond investment. Treasury based. Not corporate. Most people in this forum tend to avoid the long term bonds like the plague. But by having an allocation of: 1/3 BND 1/3 BSV 1/3 VGLT Would this possibly serve me better then only going with BND? This way I could hold the lon...
by spdoublebass
Sun May 21, 2017 4:48 am
Forum: Personal Investments
Topic: One Last Beginner Question Regarding Bonds
Replies: 26
Views: 3648

Re: One Last Beginner Question Regarding Bonds

I'm not a huge fan of allocating fixed income based on behavior in certain stock market crashes that are pretty rare to begin with. It also matters what happens in the years (decades) between them. There may be some value to considering fixed income as a secondary source of return, not just a not-s...
by spdoublebass
Sun May 21, 2017 2:32 am
Forum: Personal Investments
Topic: One Last Beginner Question Regarding Bonds
Replies: 26
Views: 3648

Re: One Last Beginner Question Regarding Bonds

I guess I'm also asking if im only buying BND for the security, why not just go with short term bonds.... or am I missing something (which I imagine I am).
by spdoublebass
Sat May 20, 2017 10:40 pm
Forum: Personal Investments
Topic: One Last Beginner Question Regarding Bonds
Replies: 26
Views: 3648

Re: One Last Beginner Question Regarding Bonds

BND is my only bond holding. The portfolio experts at Vanguard recommend around 20% of bond portfolio in international bonds. You must have a strong conviction that small caps are going to outperform the overall market cap weighted index? Small caps make up roughly 60% of your equities. Market cap ...
by spdoublebass
Sat May 20, 2017 10:10 pm
Forum: Personal Investments
Topic: One Last Beginner Question Regarding Bonds
Replies: 26
Views: 3648

One Last Beginner Question Regarding Bonds

I recently opened a Roth IRA. Retirement is 30+ years away. My allocation is: 80/20 stocks/bonds. My portfolio is: 20% VTI Total Stock Martket 20% VBR Small Cap Value 20% VXUS Total International 20% VSS International Small Cap 20% BND Total Bond Market My question has to do with the Bond portion of...
by spdoublebass
Tue May 16, 2017 1:24 pm
Forum: Personal Investments
Topic: Is this market timing? When to buy stock
Replies: 9
Views: 1293

Re: Is this market timing? When to buy stock

Allocation is a great place to focus because it is a "no-brainer". Just put the money in the fund that is under-weighted. If new money is not enough (this will be more likely as your balance gets larger), then rebalance on an annual basis if needed. This is exactly why I brought this up. ...
by spdoublebass
Tue May 16, 2017 12:51 pm
Forum: Personal Investments
Topic: Is this market timing? When to buy stock
Replies: 9
Views: 1293

Re: Is this market timing? When to buy stock

To clarify, you have effectively made "52 week high" your valuation metric for "overpriced". I believe that this is an error because "52 week high", in isolation, can be very misleading. You are absolutely correct. I openly disclose that this is all new to me. I take s...
by spdoublebass
Tue May 16, 2017 11:06 am
Forum: Personal Investments
Topic: Is this market timing? When to buy stock
Replies: 9
Views: 1293

Re: Is this market timing? When to buy stock

If you told me that your fund "A" was at 32% and the other two were are 34% then I would recommend contributing to fund "A" to try to get back to your allocation. This is what I'm thinking is best, especially for myself. I'm trying to formulate a process in buying that will elim...
by spdoublebass
Tue May 16, 2017 10:45 am
Forum: Personal Investments
Topic: Is this market timing? When to buy stock
Replies: 9
Views: 1293

Is this market timing? When to buy stock

I'll keep this example very brief: Say there you run a three fund portfolio with funds A,B, and C. You have equal allocations of 33% for each fund. Say your portfolio is over 33% for fund A, at 33% for fund B, and under 33% for fund C. Next, for this example say fund A is father away from its 52 wee...
by spdoublebass
Sun May 14, 2017 5:24 pm
Forum: Personal Investments
Topic: Ultimate Buy and Hold Variation.
Replies: 10
Views: 2047

Re: Ultimate Buy and Hold Variation.

Flip a coin. I would say VTI + VEU because owning VTI will have less tracking error regret for TSM. Our portfolio also has lots of VLCAX and VFIAX for historical and 401(k) reasons, so perhaps I'm not the best person to get advice from. I just want to say thanks again for your reply. To be honest I...
by spdoublebass
Sun May 14, 2017 2:35 pm
Forum: Personal Investments
Topic: Ultimate Buy and Hold Variation.
Replies: 10
Views: 2047

Re: Ultimate Buy and Hold Variation.

ff4930 wrote:
1 - VTI is more companies being more diversed. Holds about ~3k companies. I would stick with VTI

2 - REIT is really a personal choice. Lot of people include/exclude them

3 - Thats fine

4 - Similar to #1. Just more diversed in number of companies. VXUS holds ~6k companies.
Thank you.
by spdoublebass
Sun May 14, 2017 2:33 pm
Forum: Personal Investments
Topic: Ultimate Buy and Hold Variation.
Replies: 10
Views: 2047

Re: Ultimate Buy and Hold Variation.

I run a very similar portfolio, except it breaks like this : 20% bonds (int treasury and long) 20% scv 20% sp500 20% int developed 20% int em I don't tilt my international to small but that is mainly due to lack of available funds in my 401k. The benefit of this style of portfolio is simplicity! I ...
by spdoublebass
Sun May 14, 2017 1:19 pm
Forum: Personal Investments
Topic: Ultimate Buy and Hold Variation.
Replies: 10
Views: 2047

Re: Ultimate Buy and Hold Variation.

VTI is Total US stock. VT is Total World Stock. I don't see an issue with VEU vs VXUS. At TDAmeritrade, VEU is commission free, so that's what I use. Also, when I started my WellsTrade no-commissions account, VXUS did not exist, so I use VEU there as well. I will occasionally jump into VTIAX (aka V...
by spdoublebass
Sun May 14, 2017 11:47 am
Forum: Personal Investments
Topic: Ultimate Buy and Hold Variation.
Replies: 10
Views: 2047

Ultimate Buy and Hold Variation.

I've made two other posts in this forum asking questions and making many mistakes. I'm close to my final decision but have a few questions about this breakdown. Yes, this is based on the Ultimate Buy and Hold portfolio post from this forum, by Trev H. Also, I have 30+ years until retirement. 80/20 2...
by spdoublebass
Fri May 12, 2017 5:21 pm
Forum: Personal Investments
Topic: Old posts regarding VT (VTWSX) and VXUS (VTIAX)
Replies: 2
Views: 1137

Re: Old posts regarding VT (VTWSX) and VXUS (VTIAX)

Again, just wondering if there is any point in Holdong VT beyond simplicity.
by spdoublebass
Fri May 12, 2017 12:34 am
Forum: Personal Investments
Topic: Old posts regarding VT (VTWSX) and VXUS (VTIAX)
Replies: 2
Views: 1137

Old posts regarding VT (VTWSX) and VXUS (VTIAX)

I am still finalizing my portfolio and have read many posts regarding: VT/VTWSX = Total World Stock VXUS/VTIAX = Total International Stock VEU/ VFWAX = All World Ex-US Most of the information I've read from this website on this subject is from 5-10 years ago, when the expense ratios were much higher...
by spdoublebass
Sat May 06, 2017 9:27 pm
Forum: Personal Investments
Topic: A few Questions from a young investor.
Replies: 19
Views: 1965

Re: A few Questions from a young investor.

retiredjg wrote:
Then you move to 70/30. The ratio changes to 49% US, 21% foreign, and 30% bonds. Again, you have 30% of your total stocks in international.

Does that help?
Yes, more then you could possibly imagine. Ha.
by spdoublebass
Sat May 06, 2017 7:41 pm
Forum: Personal Investments
Topic: A few Questions from a young investor.
Replies: 19
Views: 1965

Re: A few Questions from a young investor.

That's not what I'd suggest. I'd suggest a target fund that contains the stock to bond ratio that you find appropriate. Have you given that any thought? Here's some information you might find helpful. https://www.bogleheads.org/wiki/Asset_allocation Yes, a lot of thought. That is what has been givi...
by spdoublebass
Sat May 06, 2017 7:20 pm
Forum: Personal Investments
Topic: A few Questions from a young investor.
Replies: 19
Views: 1965

Re: A few Questions from a young investor.

So all I really need to do is just keep buying VTI (Total Stock Market)?

No VT (Total World) or VXUS (Total International)?

Someone mentioned earlier I could just do three Funds with VT+VTI+BND

But...I guess no bonds or REIT?

Really it's that simple?

Again, thank you everyone for your responses.
by spdoublebass
Sat May 06, 2017 5:46 pm
Forum: Personal Investments
Topic: A few Questions from a young investor.
Replies: 19
Views: 1965

Re: A few Questions from a young investor.

It's kind of unclear what you want. What kind of portfolio are you trying to set up? I 'll be honest, every time I think I figure it out, it seems I have only made things worse. To answer your question, I'd have to give an example. Say I'm 30 years from retirement and I set up something as follows ...
by spdoublebass
Sat May 06, 2017 5:28 pm
Forum: Personal Investments
Topic: A few Questions from a young investor.
Replies: 19
Views: 1965

Re: A few Questions from a young investor.

Has anyone mentioned to you yet that it does not matter what you are invested in when your portfolio is small? If not, consider this. If you put in $5k the first year and $5k the second year, your portfolio has grown by 100%....by contributions alone. If the portfolio was all bonds, it may grow 102...