Search found 78 matches

by anthonyphamy
Fri Jan 25, 2019 10:14 am
Forum: Personal Finance (Not Investing)
Topic: MBA vs real estate license vs both?
Replies: 20
Views: 1768

Re: MBA vs real estate license vs both?

My general rule of thumb is that if you are going to stay in the same industry, it does not really matter what MBA school you attend. If you are going to change careers, you need to go to a highly respected school. FWIW, I attended a top 10 MBA school because I was changing careers. Essentially you...
by anthonyphamy
Fri Jan 25, 2019 10:14 am
Forum: Personal Finance (Not Investing)
Topic: MBA vs real estate license vs both?
Replies: 20
Views: 1768

Re: MBA vs real estate license vs both?

Good morning, I appreciate the ongoing discussion as I find these points very helpful in navigating my decision making for my future goals. 1. CTU business school is accredited by ACBSP. My company will pay 100% if I attend CTU. I'm not certain the value my company has for MBA with people in my fiel...
by anthonyphamy
Thu Jan 24, 2019 12:23 am
Forum: Personal Finance (Not Investing)
Topic: MBA vs real estate license vs both?
Replies: 20
Views: 1768

Re: MBA vs real estate license vs both?

Good evening, My company is affiliated with Colorado Technical University, and will only pay 100% of tuition through this school. Hence me looking into the online MBA program at this school. (link: https://www.coloradotech.edu/degrees/masters/business/general) My company does offer to pay 3500 for t...
by anthonyphamy
Wed Jan 23, 2019 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: MBA vs real estate license vs both?
Replies: 20
Views: 1768

Re: MBA vs real estate license vs both?

Good afternoon, Thank you for all the helpful responses. 1. Regarding which state, I currently live in California, and therefore would follow CA licensure. I haven't looked into any brokerages that I would want to work under yet. 2. I don't want to quit my job and become a R/E salesman. I do strongl...
by anthonyphamy
Tue Jan 22, 2019 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: MBA vs real estate license vs both?
Replies: 20
Views: 1768

MBA vs real estate license vs both?

Good evening, I am a recent pharmacist graduate 30 years old, now working full time, very happy with my job, but looking for the next step/challenge. Loans are all paid off, maxing out my IRA/401k, and currently saving for a down payment for my first home. I am debating between MBA and/or real estat...
by anthonyphamy
Sat Dec 29, 2018 11:11 am
Forum: US Chapters
Topic: My favorite Boglehead posters
Replies: 154
Views: 13770

Re: My favorite Boglehead posters

ruralavalon
by anthonyphamy
Fri Nov 23, 2018 4:48 pm
Forum: Investing - Theory, News & General
Topic: Prime MM vs 6-month Treasury in IRA
Replies: 94
Views: 11494

Re: Prime MM vs 6-month Treasury in IRA

I’ve read on some posts the arguments of vanguard prime money market fund vs federal money market fund but still haven’t been able to come to a consensus. Recommendations?
by anthonyphamy
Tue Nov 20, 2018 9:12 pm
Forum: Investing - Theory, News & General
Topic: Why Active Funds Have Outperformed in Theory
Replies: 20
Views: 2344

Re: Why Active Funds Have Outperformed in Theory

Could the same be said about vanguard primecap VPMAX?
by anthonyphamy
Thu Oct 11, 2018 9:23 am
Forum: Personal Investments
Topic: Help with 401k fund choice please!
Replies: 30
Views: 2204

Re: Help with 401k fund choice please!

A final question I'd like to ask is about mega backdoor roth potential. I recently found out that my company allows for in-service conversations, so I am thinking about contributing to that (approximately 16k annually). That would be converted to my roth IRA which I could put into VTSAX or VTIAX. A...
by anthonyphamy
Thu Oct 11, 2018 9:22 am
Forum: Personal Investments
Topic: Help with 401k fund choice please!
Replies: 30
Views: 2204

Re: Help with 401k fund choice please!

Brokerage: 1. VANGUARD TOTAL BOND MARKET ETF BND (ER 0.05%) 3.3% of portfolio 2. VANGUARD TOTAL INTL BOND INDEX ETF BNDX (ER 0.11%) 3.3% of portfolio Currently I have $5,000 in taxable brokerage account in bond ETF, but I plan on saving that for a down payment for a condo in the next year or two. I...
by anthonyphamy
Sun Oct 07, 2018 10:12 pm
Forum: Personal Investments
Topic: Active vs passive indexing
Replies: 14
Views: 1783

Re: Active vs passive indexing

... I know you can't predict future results from historic numbers, but from some actively managed funds I am considering they are outperforming the passive index counterpart.... But will they outperform tomorrow? If you know you can't predict future results from historic numbers why are you acting ...
by anthonyphamy
Sun Oct 07, 2018 5:02 pm
Forum: Personal Investments
Topic: Help with 401k fund choice please!
Replies: 30
Views: 2204

Re: Help with 401k fund choice please!

29yo looking for advice on 401k fund choice. Currently, my portfolio is below: Brokerage: 1. VANGUARD TOTAL BOND MARKET ETF BND (ER 0.05%) 3.3% of portfolio 2. VANGUARD TOTAL INTL BOND INDEX ETF BNDX (ER 0.11%) 3.3% of portfolio Roth IRA: 1. Vanguard LifeStrategy Growth Fund Investor Shares VASGX (...
by anthonyphamy
Sun Oct 07, 2018 12:08 am
Forum: Personal Investments
Topic: Active vs passive indexing
Replies: 14
Views: 1783

Active vs passive indexing

I am having some trouble between deciding active vs passive indexing for my portfolio. I know you can't predict future results from historic numbers, but from some actively managed funds I am considering they are outperforming the passive index counterpart. US Stocks: VPMAX (ER 0.32%) vs VITPX (ER 0...
by anthonyphamy
Thu Oct 04, 2018 8:21 pm
Forum: Personal Investments
Topic: Help with 401k fund choice please!
Replies: 30
Views: 2204

Re: Help with 401k fund choice please!

You have excellent funds offered in your 401k, you are fortunate :) . At age 29 I suggest: 1) 60%, Institutional Vanguard Total Stock Market Index Fund Institutional Plus (VITPX) ER 0.02%; 2) 20%, Vanguard International Growth Fund Admiral Shares (VWILX) ER 0.32%; and 3) 20%, Vanguard Total Bond Ma...
by anthonyphamy
Thu Oct 04, 2018 9:56 am
Forum: Personal Investments
Topic: Fungible taxable savings=what to do with Asset Allocation
Replies: 16
Views: 731

Re: Fungible taxable savings=what to do with Asset Allocation

My thoughts are put it all in equities in taxable. Put the bonds in the tax-deferred. I do exactly that. Shoulds bonds be in tax-deferred or in taxable? Same question with equities? Bonds can be in both tax-deferred and taxable. Equities can go anywhere. It will depend on one's income and how bond ...
by anthonyphamy
Thu Oct 04, 2018 9:25 am
Forum: Personal Investments
Topic: Help with 401k fund choice please!
Replies: 30
Views: 2204

Re: Help with 401k fund choice please!

You have excellent funds offered in your 401k, you are fortunate :) . At age 29 I suggest: 1) 60%, Institutional Vanguard Total Stock Market Index Fund Institutional Plus (VITPX) ER 0.02%; 2) 20%, Vanguard International Growth Fund Admiral Shares (VWILX) ER 0.32%; and 3) 20%, Vanguard Total Bond Ma...
by anthonyphamy
Thu Oct 04, 2018 9:23 am
Forum: Personal Investments
Topic: Help with 401k fund choice please!
Replies: 30
Views: 2204

Re: Help with 401k fund choice please!

You have excellent funds offered in your 401k, you are fortunate :) . At age 29 I suggest: 1) 60%, Institutional Vanguard Total Stock Market Index Fund Institutional Plus (VITPX) ER 0.02%; 2) 20%, Vanguard International Growth Fund Admiral Shares (VWILX) ER 0.32%; and 3) 20%, Vanguard Total Bond Ma...
by anthonyphamy
Thu Oct 04, 2018 9:21 am
Forum: Personal Investments
Topic: Fungible taxable savings=what to do with Asset Allocation
Replies: 16
Views: 731

Re: Fungible taxable savings=what to do with Asset Allocation

livesoft wrote: Thu Oct 04, 2018 9:03 am My thoughts are put it all in equities in taxable. Put the bonds in the tax-deferred.

I do exactly that.
Shoulds bonds be in tax-deferred or in taxable? Same question with equities?
by anthonyphamy
Thu Oct 04, 2018 1:12 am
Forum: Personal Investments
Topic: Help with 401k fund choice please!
Replies: 30
Views: 2204

Re: Help with 401k fund choice please!

You have excellent funds offered in your 401k, you are fortunate :) . At age 29 I suggest: 1) 60%, Institutional Vanguard Total Stock Market Index Fund Institutional Plus (VITPX) ER 0.02%; 2) 20%, Vanguard International Growth Fund Admiral Shares (VWILX) ER 0.32%; and 3) 20%, Vanguard Total Bond Ma...
by anthonyphamy
Wed Oct 03, 2018 11:07 pm
Forum: Personal Investments
Topic: Help with 401k fund choice please!
Replies: 30
Views: 2204

Re: Help with 401k fund choice please!

You are 29, 33% bonds is too conservative. I would recommend 60% US stock, 30% international stock, 10% bonds. The target 2055 fund you are currently using is probably close to this allocation mentioned by HEDGEFUNDIE. I like a little more in bonds, even for young people. I'd suggest something like...
by anthonyphamy
Wed Oct 03, 2018 11:06 pm
Forum: Personal Investments
Topic: Help with 401k fund choice please!
Replies: 30
Views: 2204

Re: Help with 401k fund choice please!

You have excellent funds offered in your 401k, you are fortunate :) . At age 29 I suggest: 1) 60%, Institutional Vanguard Total Stock Market Index Fund Institutional Plus (VITPX) ER 0.02%; 2) 20%, Vanguard International Growth Fund Admiral Shares (VWILX) ER 0.32%; and 3) 20%, Vanguard Total Bond Ma...
by anthonyphamy
Wed Oct 03, 2018 8:56 am
Forum: Personal Investments
Topic: Help with 401k fund choice please!
Replies: 30
Views: 2204

Re: Help with 401k fund choice please!

You are 29, 33% bonds is too conservative. I would recommend 60% US stock, 30% international stock, 10% bonds. The target 2055 fund you are currently using is probably close to this allocation mentioned by HEDGEFUNDIE. I like a little more in bonds, even for young people. I'd suggest something like...
by anthonyphamy
Wed Oct 03, 2018 12:32 am
Forum: Personal Investments
Topic: Help with 401k fund choice please!
Replies: 30
Views: 2204

Re: Help with 401k fund choice please!

I'd hold 500 Index (institutional index) and the bond fund in the 401k and a total international Index in the Roth IRA. Your choices for international in the 401k are not as good as what you can hold in Roth IRA. I like target funds, but you can get a pretty significant drop in cost by changing to ...
by anthonyphamy
Tue Oct 02, 2018 11:29 pm
Forum: Personal Investments
Topic: Help with 401k fund choice please!
Replies: 30
Views: 2204

Re: Help with 401k fund choice please!

I'd hold 500 Index (institutional index) and the bond fund in the 401k and a total international Index in the Roth IRA. Your choices for international in the 401k are not as good as what you can hold in Roth IRA. I like target funds, but you can get a pretty significant drop in cost by changing to ...
by anthonyphamy
Tue Oct 02, 2018 8:19 am
Forum: Personal Investments
Topic: Help with 401k fund choice please!
Replies: 30
Views: 2204

Re: Help with 401k fund choice please!

billfromct wrote: Tue Oct 02, 2018 4:17 am You will get more responses if you include the mutual fund name & expense ratio (ER).

Not too many people on this site have memorized the thousands of mutual fund ticker symbols.

bill
Thank you for the feedback. I updated original post!
by anthonyphamy
Tue Oct 02, 2018 12:22 am
Forum: Personal Investments
Topic: Help with 401k fund choice please!
Replies: 30
Views: 2204

Help with 401k fund choice please!

29yo looking for advice on 401k fund choice. Currently, my portfolio is below: Brokerage: 1. VANGUARD TOTAL BOND MARKET ETF BND (ER 0.05%) 3.3% of portfolio 2. VANGUARD TOTAL INTL BOND INDEX ETF BNDX (ER 0.11%) 3.3% of portfolio Roth IRA: 1. Vanguard LifeStrategy Growth Fund Investor Shares VASGX (E...
by anthonyphamy
Sun Sep 02, 2018 11:55 pm
Forum: Personal Investments
Topic: Invest in IRA concurrently as saving for down payment?
Replies: 3
Views: 455

Re: Invest in IRA concurrently as saving for down payment?

Thank you for the info! I will do them concurrently then!
by anthonyphamy
Sun Sep 02, 2018 4:20 pm
Forum: Personal Investments
Topic: Invest in IRA concurrently as saving for down payment?
Replies: 3
Views: 455

Invest in IRA concurrently as saving for down payment?

I am currently maxing out 401k, and make too much to invest into Roth IRA. I hope to buy a condo in the next couple of years, and am just starting to save for a down payment. My question is should I: 1. Save the rest of my paycheck towards down payment (without investing into IRA) 2. Put $5,500 annu...