Search found 494 matches

by InvestingMom
Wed Oct 03, 2007 6:16 pm
Forum: Investing - Theory, News & General
Topic: Best way for withdrawl at retirement
Replies: 11
Views: 3539

My mom

I am helping my mom and have been asking the same sorts of questions. What is a TR account by the way? Anyway, my mom has a money market fund in her IRA and we have chosen to keep that account funded with approx 2 years of her cash needs. It is a bit conservative, but then again she is not as conser...
by InvestingMom
Wed Oct 03, 2007 5:00 pm
Forum: Investing - Theory, News & General
Topic: Bond question
Replies: 8
Views: 1478

Bond question

Still working on my mom's portfolio....now down to the bonds. I read some of the earlier posts as well as what was advised to me in an earlier post and am leaning towards a short term and intermediate treasury bond funds or perhaps the total bond funds (in addition to TIPs). I would prefer the secur...
by InvestingMom
Tue Oct 02, 2007 5:16 pm
Forum: Personal Investments
Topic: 401k Fund Allocation help
Replies: 15
Views: 7409

ADP

Who is ADP? It seems that your employer's 401(k) is full with hi expense ratios and commissions funds and ETFs. Do you know what are these expenses that effect you? I assumed ADP is his/her employer. However ADP happens to be a payroll processor as well and so I wondered if he/she was refering to a...
by InvestingMom
Tue Oct 02, 2007 5:13 pm
Forum: Personal Investments
Topic: 401k Fund Allocation help
Replies: 15
Views: 7409

You may not be getting much of a response because it is hard to tell what kind of funds these are? Also, not knowing anything else about you makes it a bit difficult. Are you a conservative or agressive investor? If I assume you are just starting out and have no other investments or even a beginning...
by InvestingMom
Tue Oct 02, 2007 3:12 pm
Forum: Investing - Theory, News & General
Topic: VG FTSE all world ex US vs Total It'l Stock Index
Replies: 17
Views: 3988

Thanks for the further input

Wow, I guess this has been vetted out before. Agree that a sticky would be good. Thanks again for the further input.
by InvestingMom
Tue Oct 02, 2007 3:10 pm
Forum: Personal Investments
Topic: My 401k is a MESS!
Replies: 11
Views: 2095

Interesting

Interesting. I guess that mostly only the non-slicer/dicers then respond to the AA questions. Perhaps that is good because beginners might do better to not slice and dice until they get a bit of experience and do their reading....and of course no one would agree on how to slice and dice as it is a p...
by InvestingMom
Tue Oct 02, 2007 2:12 pm
Forum: Personal Investments
Topic: My 401k is a MESS!
Replies: 11
Views: 2095

A bit more

I noted that the recommendation in fund advice is very similar to both Brian and Ken as well. The only difference is that Merriman (who is the author for fund advice) has a bent toward Value stocks. I too favor value, but you should read up more on this before you make a decision in favor of value. ...
by InvestingMom
Tue Oct 02, 2007 12:52 pm
Forum: Investing - Theory, News & General
Topic: VG FTSE all world ex US vs Total It'l Stock Index
Replies: 17
Views: 3988

Aha!

I knew one of you would know this right off the bat.
Now I understand why a few of the posters in my previous post recommended this in the taxable account. I am still thinking I will put it in an IRA because the chances of rebalancing are higher with this fund.
Thanks!
by InvestingMom
Tue Oct 02, 2007 12:48 pm
Forum: Personal Investments
Topic: My 401k is a MESS!
Replies: 11
Views: 2095

Check out fundadvice.com

Check out this web site, fundadvice.com. On it you will see specific recommendations for select company 401ks including Wells Fargo. I am not advocating his recommendations but some of his information may be useful to you. What strikes me is that you are invested in a lot of funds making it pretty d...
by InvestingMom
Tue Oct 02, 2007 12:38 pm
Forum: Investing - Theory, News & General
Topic: VG FTSE all world ex US vs Total It'l Stock Index
Replies: 17
Views: 3988

VG FTSE all world ex US vs Total It'l Stock Index

Trying to make a final decision on which fund to buy (for my mom) and am wondering if anyone has any knowledge of the differences between the two funds listed above. Recently I asked for portfolio advice on my mom's portfolio and most recommended the FTSE all world ex US (VFWIX). I think this is goo...
by InvestingMom
Mon Oct 01, 2007 2:33 pm
Forum: Personal Investments
Topic: Help with my Moms portfolio
Replies: 12
Views: 2681

Brian

Brian, Thanks for your research. I agree that Vanguard does not have much to offer for international value. I see that the fund Vanguard intl value (VTRIX) is described as "blend" by M*, Vanguard and charles schwab. However, when I look closer on M*, for example under the portfolio tab, it...
by InvestingMom
Mon Oct 01, 2007 1:53 pm
Forum: Personal Investments
Topic: Help with my Moms portfolio
Replies: 12
Views: 2681

Additional comments and questions

All , Consistently I am hearing that I should do the following: Get rid of most if not all of the non-vanguard funds (Thanks, I think I needed a push to go for it. As I mentioned in a subsequent post, I started with over 30 funds and have sold most of them. These last "legacy" funds were ...
by InvestingMom
Sat Sep 29, 2007 1:34 pm
Forum: Personal Investments
Topic: Help with my Moms portfolio
Replies: 12
Views: 2681

Thank you

I only have a few minutes to look at this today so I wanted to say Thank You very much for your responses so far. I feel like a broken record, but I am very grateful that there are so many people willing to help. I would like to spend some time thinking about many of the recommendations and ask some...
by InvestingMom
Fri Sep 28, 2007 7:40 pm
Forum: Personal Investments
Topic: Help with my Moms portfolio
Replies: 12
Views: 2681

Help with my Moms portfolio

Hi all, This is the second time I am asking for help with my mother's portfolio. I chose to start a new thread since the last one was over a month ago and I did not get a very good response (as Laura pointed out it may have been because I used tickers only). Also, my questions have evolved. I would ...
by InvestingMom
Fri Sep 28, 2007 1:40 pm
Forum: Personal Investments
Topic: Windfall...Financial Advisor? Updated-Ready for More Advice!
Replies: 66
Views: 21176

My 2 cents

It is not clear to me whether you are only asking whether you should hire this CPA or whether you are also asking whether you should hire an investment advisor in general. You implied that you might be able to take it on yourself at least eventually. If you are just asking about this guy, here are a...
by InvestingMom
Thu Sep 27, 2007 8:51 pm
Forum: Personal Investments
Topic: Retiring
Replies: 41
Views: 12059

Regarding SS

You might check out the Oct issue of consumer reports. They have a pretty good article about deciding when to take SS. The gist of the article was that...if you can afford it....and it sounds like you can...it makes more sense to wait. But of course this depends on you and your wife's health. Anothe...
by InvestingMom
Thu Sep 27, 2007 4:17 pm
Forum: Investing - Theory, News & General
Topic: Flagship Perks
Replies: 9
Views: 3238

I just switched my mother

You must have just missed it because I just had my mom switch over to Vanguard using my Flagship status a few weeks ago. They better keep her grandfathered! I will be very angry otherwise.
by InvestingMom
Thu Sep 27, 2007 4:13 pm
Forum: Investing - Theory, News & General
Topic: A Message from Mr. Bogle
Replies: 20
Views: 7138

San Francisco at10pm

I have it at 10pm in the SF Bay Area on channel 9. I will DVR it.

And who could argue that the DVR (or TIVO) is not great when you have a special on like The War! (Okay I admit I am going to use it for Grey's Anatomy tonight as well, which should make all of you guys ill :wink:)
by InvestingMom
Mon Sep 24, 2007 1:24 pm
Forum: Personal Investments
Topic: WELCOME NEW MEMBERS
Replies: 7
Views: 2540

Thanks for the info

Thanks for highlighing this. I am not sure if I would have noticed her stickys without your post.

And the stickies are extremely helpful!

BTW...who is Laura? A moderator? I have wondered about her since she responds to so many of the posts and her advice is so good.
by InvestingMom
Fri Sep 21, 2007 2:59 pm
Forum: Investing - Theory, News & General
Topic: Foreign Funds-Index versus Active
Replies: 29
Views: 7615

Taylor -thanks

Taylor, Thanks to you as well. I saw you logged in and was hoping that you would comment. I continue to be amazed at the great advice I get on this forum. I hope that newbies like myself do not keep you too busy repeating the same information over and over. If it helps, I ordered the paperback versi...
by InvestingMom
Fri Sep 21, 2007 2:43 pm
Forum: Investing - Theory, News & General
Topic: Foreign Funds-Index versus Active
Replies: 29
Views: 7615

Gatorking and Alec-Thanks!

Nothing speaks better than numbers (when they are calculated the correct way!)
Wow do I feel like a dope! I am going to study the information you passed on a bit more, but I think I am moving over to a lazier and more profitable portfolio.
by InvestingMom
Fri Sep 21, 2007 2:05 pm
Forum: Investing - Theory, News & General
Topic: Foreign Funds-Index versus Active
Replies: 29
Views: 7615

Re: Foreign Funds-Index versus Active

So I am curious are there many of you who subscribe to the belief that you can beat the market....over time....in foreign active funds or US small cap funds? As far as foreign is concerned, most well informed investors invest in foreign not to "beat the market" but to diversify their dome...
by InvestingMom
Fri Sep 21, 2007 1:41 pm
Forum: Investing - Theory, News & General
Topic: Foreign Funds-Index versus Active
Replies: 29
Views: 7615

Re: Foreign Funds-Index versus Active

However, I also have believed that one can choose some good active funds for small cap and especially foreign. Why? I wish I knew who started the myth that certain asset classes are less efficient and therefore more appropriate for actively-managed funds. - DDB One person who advocated this, at lea...
by InvestingMom
Fri Sep 21, 2007 1:28 pm
Forum: Personal Investments
Topic: Novice Investor
Replies: 4
Views: 1290

Re: Novice Investor

I am a Merrill Lynch customer who will shortly move my portfolio to Vanguard and start managing the portfolio myself. My reasons are high costs and questionable advise. My question is; for those of you that do not use index investing are you successful in beating the index returns? Am I correct to ...
by InvestingMom
Fri Sep 21, 2007 1:09 pm
Forum: Investing - Theory, News & General
Topic: Foreign Funds-Index versus Active
Replies: 29
Views: 7615

Foreign Funds-Index versus Active

Are there many bogleheads investing in active funds for their foreign funds? How about US small cap? Like most bogleheads, I believe in investing mostly in index funds. In fact I exclusively invest in index funds for my US large cap holdings. However, I also have believed that one can choose some go...
by InvestingMom
Fri Sep 21, 2007 11:41 am
Forum: Investing - Theory, News & General
Topic: Five closed funds have reopened to Flagship clients NOW
Replies: 22
Views: 6239

Re: Five closed funds have reopened to Flagship clients NOW

Sorry if this has already been posted. As many of you know, some closed Vanguard funds were scheduled to re-open to Flagship clients. Went to the Vanguard site today. They seem to be open today. I just purchased VGPMX for my IRA! Thank you. I did not see this. I agree that the VGPMX is an excellent...
by InvestingMom
Fri Sep 21, 2007 11:36 am
Forum: Investing - Theory, News & General
Topic: Five closed funds have reopened to Flagship clients NOW
Replies: 22
Views: 6239

they wanted to open up the spigot with a 1/4 turn. the only fair way to do that was let the shareholders who have the most money trusted at VG get first in line. makes perfect sense to me. loyalty has its rewards. I agree. However, perhaps loyalty could have also been measured by how long investors...
by InvestingMom
Fri Sep 21, 2007 11:25 am
Forum: Investing - Theory, News & General
Topic: Five closed funds have reopened to Flagship clients NOW
Replies: 22
Views: 6239

Re: Five closed funds have reopened to Flagship clients NOW

Sorry if this has already been posted. As many of you know, some closed Vanguard funds were scheduled to re-open to Flagship clients. Went to the Vanguard site today. They seem to be open today. I just purchased VGPMX for my IRA! Thank you. I did not see this. I believe that VPMCX is an excellent f...
by InvestingMom
Thu Sep 20, 2007 4:44 pm
Forum: Investing - Theory, News & General
Topic: How long can this go on?
Replies: 20
Views: 5901

Sounds to me like you guys need to reassess your asset allocation plan. This is exactly what is meant by making sure your asset allocation plan is in line with what you can and cannot accept with a market decline This always sounds so nice and if we weren't human, maybe it would even be reasonable....
by InvestingMom
Thu Sep 20, 2007 2:40 pm
Forum: Investing - Theory, News & General
Topic: How long can this go on?
Replies: 20
Views: 5901

Stay with your Asset Allocation

Sounds to me like you guys need to reassess your asset allocation plan. This is exactly what is meant by making sure your asset allocation plan is in line with what you can and cannot accept with a market decline. Also, ask yourself, if the market declines and then turns around will you be back in o...
by InvestingMom
Sun Sep 16, 2007 1:53 pm
Forum: Personal Investments
Topic: Should the amount of your wealth impact your AA Plan?
Replies: 13
Views: 2966

Invaluable advice

Thanks so much for all of your opinions and advice. Larry you brought it home and many of you said the same thing in so many words. I realize that as I am helping my mom with her asset allocation I need to sit down with her and convince her to lower her equity allocation or at least make sure she un...
by InvestingMom
Sun Sep 16, 2007 1:40 pm
Forum: Personal Investments
Topic: domestic value tilt AA
Replies: 7
Views: 1984

My 2 cents

I like your original plan. Because the blend funds already hold value (they are a blend of value and growth) you are in effect heavily tilting towards value with your original plan of (in effect) 50/50 blend/value. I have read many of the suggested books on this web site but the one which has recent...
by InvestingMom
Sat Sep 15, 2007 2:43 pm
Forum: Wiki and Reference Library
Topic: Suggestions for the Librarians
Replies: 255
Views: 257659

Suggestion

Why not have a sticky or some sort of reminder on the Investing and Personal Finance Forum to have newbies go to the reference library for popular topics? Also, is there a topic in the reference library for how to allocate funds between taxable and nontaxable accounts? This is one I like to refer ba...
by InvestingMom
Sat Sep 15, 2007 2:42 pm
Forum: Personal Investments
Topic: Advice for Newbies
Replies: 7
Views: 1869

Thanks Paul

Will do.
by InvestingMom
Sat Sep 15, 2007 2:38 pm
Forum: Personal Investments
Topic: Should the amount of your wealth impact your AA Plan?
Replies: 13
Views: 2966

Should the amount of your wealth impact your AA Plan?

I believe it should because the amount of wealth you have will impact how much you can afford to lose in a down market but I have seen conflicting advice on this, for example... Argument to lower equity if wealthy-I have seen advice in earlier posts to lower the equity allocation in situations where...
by InvestingMom
Sat Sep 15, 2007 1:31 pm
Forum: Personal Investments
Topic: Advice for Newbies
Replies: 7
Views: 1869

Advice for Newbies

I tried to post this in the reference library but only moderators can do this...so here goes here. Sorry if this post is in the wrong place. Why not have a sticky or some sort of reminder on the Investing and Personal Finance Forum to have newbies go to the reference library for popular topics? Also...
by InvestingMom
Sat Sep 15, 2007 1:24 pm
Forum: Personal Investments
Topic: Asset Allocation Question
Replies: 58
Views: 12828

Reference Library

Wow I just discovered the reference library (Perhaps I am a bit slow).
Anyway, there is an Asset Allocation topic which might also help you in understanding the previous advice on starting with a good asset allocation plan.
by InvestingMom
Sat Sep 15, 2007 11:57 am
Forum: Personal Investments
Topic: AA for my Mom
Replies: 7
Views: 1277

Laura and Ken

Thanks for your input. I am so grateful that there are people like you out there who are willing to help. I will review the 60/40 allocation with my mom again. She is actually at 80/20 right now (thanks to her wonderful broker). She is very risk tolerant but I will go over the potential losses with ...
by InvestingMom
Sat Sep 15, 2007 11:21 am
Forum: Personal Investments
Topic: Assest Allocation between Sheltered/Non-Sheltered accounts
Replies: 7
Views: 1964

This is a common question on the forum. I was just searching for this information myself yesterday and found the information below in an older post. I will let someone else answer the ETF question, although I believe they would follow the same guidelines below. These are guidelines, courtesy of Mr. ...
by InvestingMom
Fri Sep 14, 2007 7:51 pm
Forum: Personal Investments
Topic: Expensive House vs More in the Market?
Replies: 16
Views: 4162

My 2 cents

I think the key is that you said you bought a house that is larger than you need. Based on that statement I would say you should buy "moderate" and invest the rest. That being said it would be hard to say if you should sell now because as I am sure you are aware it is expensive to sell a h...
by InvestingMom
Fri Sep 14, 2007 7:38 pm
Forum: Personal Investments
Topic: AA for my Mom
Replies: 7
Views: 1277

Me again

You can tell I am a newbie. My message got away from me before I was done. The bond fund will be the Vanguard total bond fund and the Vanguard intermediate bond index. My lastest influence has been Paul Merriman's book Live it up without outlinving your money. I could not go with him entirely but he...
by InvestingMom
Fri Sep 14, 2007 7:27 pm
Forum: Personal Investments
Topic: AA for my Mom
Replies: 7
Views: 1277

AA for my Mom

I would appreciate comments on an asset allocation plan I have created for my 72 year old mom. Background: She has a trust fund with Northern in which she has no say in the invesments. All of the investments are in Northern funds and the allocation is approx 50/50 stock/equities. This represents app...
by InvestingMom
Fri Sep 14, 2007 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: I am actually liking the new M* forum...
Replies: 20
Views: 5011

I am off morningstar until they fix it

I agree that there are many useful changes. However the fact that the most current posts do not sort to the top is awful. I feel that if I post something for help no one will even see it.
It is also awful how you cannot search within one forum?
by InvestingMom
Fri Sep 14, 2007 12:49 pm
Forum: Personal Investments
Topic: Advising my mother
Replies: 11
Views: 2785

Very interesting. My mom does not have as much money but she too has been ripped off by a stock broker. She also was talked into a nonpublicly traded REIT with Wells Capital. They ripped off 10% right off the top and in her case I don't believe the REIT is expected to go public for several years. He...