Search found 453 matches

by robertalpert
Mon May 06, 2013 10:24 pm
Forum: Personal Investments
Topic: How to start with small amount?
Replies: 24
Views: 2533

Re: How to start with small amount?

A reasonable approach would be to use 20 percent of income to pay down debt; 10 percent of income for investment. Enhance your 3 month emergency fund by possessing perhaps three credit cards, but keep them at zero balance. If your IRA account is at Vanguard, then the best (initial) choice is to keep...
by robertalpert
Tue Apr 16, 2013 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: Soc Sec: Does this benefit sound right?
Replies: 12
Views: 2212

Re: Soc Sec: Does this benefit sound right?

Leesbro63 wrote:robertalpert, you are behind the curve on this thread. Read my (I am the original poster) update, 3 replies above.

Oops, my bad. Glad it turned out well.
by robertalpert
Tue Apr 16, 2013 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Soc Sec: Does this benefit sound right?
Replies: 12
Views: 2212

Re: Soc Sec: Does this benefit sound right?

Auntie did receive the $255 death benefit for Uncle last week, confirming the letter received today that they did process his death claim and look at her survivor eligibility. Does this appear to be right? I sort of assumed she's get the $384 that Uncle received. Death benefit is one time pmt of th...
by robertalpert
Sat Apr 06, 2013 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: Do you discuss your estate with your future heirs?
Replies: 38
Views: 3626

Re: Do you discuss your estate with your future heirs?

larryswedroe wrote:Great book would urge everyone to read called Preparing Your Heirs

Larry
Could you give more specifics? (Whose the book's author)
by robertalpert
Thu Apr 04, 2013 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: Rick ferri portfolio solutions
Replies: 33
Views: 5235

Re: Rick ferri portfolio solutions

You might read through one of his books, eg The Power of Passive Investing Richard Ferri 2011 Then (for comparison) perhaps read another forum participant author The Quest for Alpha Larry Swedroe 2011 That would give you a good flavor of who they are and you can decide for yourself if they are the r...
by robertalpert
Fri Mar 29, 2013 10:36 pm
Forum: Personal Investments
Topic: I'm stuck at Fidelity, but like Vanguard funds better
Replies: 23
Views: 3295

Re: I'm stuck at Fidelity, but like Vanguard funds better

Do they allow in-service rollovers of employer profit sharing and/or after tax (not Roth) dollars? Perhaps you can roll parts of it over to an tIRA or rIRA at Vanguard. Nope. Every share, bond and mutual fund that I (or anyone in my family -- that was an interesting conversation with my wife) own n...
by robertalpert
Mon Mar 18, 2013 5:06 pm
Forum: Personal Investments
Topic: First Vanguard fund choice?
Replies: 16
Views: 2692

Re: First Vanguard fund choice?

But I curious why you think my income is not reliable? I know it sounds risky but in the last two and a half years I have been able to consistently pay all of my living expenses and my tuition ( both of which are very low) for college and also build up a years worth of living expenses. So i don't u...
by robertalpert
Sat Mar 16, 2013 8:00 pm
Forum: Personal Investments
Topic: First Vanguard fund choice?
Replies: 16
Views: 2692

Re: First Vanguard fund choice?

With $10k, I would vote in favor of $10k intermediate term tax exempt VWITX. It will earn some interest while (perhaps in a small way) balance your financial risk-taking. Until you have alternative means of more reliable income, equity should not be on the proverbial table. If you have $20K, then I ...
by robertalpert
Fri Mar 08, 2013 7:58 pm
Forum: Personal Investments
Topic: Which fixed income fund to pair with my TSP G Fund?
Replies: 18
Views: 1701

Re: Which fixed income fund to pair with my TSP G Fund?

I'm the guy who hit his number several days ago. I had been planning to reduce my equity exposure anyway, and this event gives me further impetus. Right now, my only fixed income allocation is a substantial amount in the TSP G Fund. What would be an appropriate fixed income fund in my Vanguard Roth...
by robertalpert
Tue Mar 05, 2013 10:20 pm
Forum: Investing - Theory, News & General
Topic: Poll - will you buy Vanguard's new international bond funds?
Replies: 33
Views: 4121

Re: Poll - will you buy Vanguard's new international bond fu

Probably the total international bonds.

Will emerging market be included in the total fund?
by robertalpert
Sat Mar 02, 2013 6:37 pm
Forum: Investing - Theory, News & General
Topic: Vanguard closes Wellington Fund to many new accounts
Replies: 35
Views: 11873

Re: Vanguard closes Wellington Fund to many new accounts

Does this imply that Wellington (will at some point in the future) become closed to all new investors (even new investors with accounts at Vanguard)? Have other closed funds followed that sequence of first (initially) being closed to investors at other brokerages? Does anyone know --- did it progres...
by robertalpert
Thu Feb 21, 2013 7:36 pm
Forum: Personal Investments
Topic: International index funds.
Replies: 6
Views: 1008

Re: International index funds.

Vanguard's Total International ........... The fund is switching to the "FTSE Global All Cap ex US Index" as the new target index for the Fund, replacing the MCSI All Country World ex USA Investable Market Index, which should give the same comprehensive coverage. https://personal.vanguard...
by robertalpert
Wed Jan 30, 2013 7:49 pm
Forum: Personal Investments
Topic: Allocation when 401(k) choices make me sad
Replies: 16
Views: 2039

Re: Allocation when 401(k) choices make me sad

For her 401K, consider using Vanguard Wellington Adm VWENX (.19%) for perhaps all of your domestic large-cap and intermediate corporate bond allocation.

Then stick to indexing in other accounts for all your other allocation components.
by robertalpert
Wed Jan 16, 2013 11:35 am
Forum: Personal Investments
Topic: Exchanging a Target Retirement Fund into other mutual funds
Replies: 20
Views: 2572

Re: Exchanging a Target Retirement Fund into other mutual fu

If you are replacing target fund with investor level funds, then there is no savings at all on expense ratio. If using admiral funds, then some savings may occur at the expense of time and effort in rebalancing process. If using market weights (similar to target funds) then better to stick with targ...
by robertalpert
Sat Jan 12, 2013 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Wellington
Replies: 23
Views: 9937

Re: Vanguard Wellington

I need to find another balanced fund that holds about the same % of bonds as Wellington does, but my search always returns to Wellington. Why do you need another? What is your goal? I am a bit concert about giving all the money to just one fund. Am I wrong? Sounds like a concern with active-managem...
by robertalpert
Thu Jan 10, 2013 7:46 pm
Forum: Investing - Theory, News & General
Topic: Divorce to save money
Replies: 84
Views: 7989

Re: Divorce to save money

It's cheaper to keep 'er.
by robertalpert
Sat Dec 15, 2012 10:40 pm
Forum: Personal Investments
Topic: Vanguard Wellington like?
Replies: 24
Views: 2768

Re: Vanguard Wellington like?

mpt follower wrote: I have felt very comfortable with this fund for too log to believe otherwise. Unfortunately, for tax reasons I need to revisit this fund.

If you have chosen to sell from taxable account, why not just re-purchase Wellington within IRA?
by robertalpert
Sat Dec 15, 2012 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: New job requiring me to move my brokerage accounts to them..
Replies: 20
Views: 2493

Re: New job requiring me to move my brokerage accounts to th

In our case, we have duplicate confirmations and the requirement of pre-approval by the compliance department for any trade of individual equities. The rationale apparently is that even with inside information, it would not be actionable for mutual funds. We have taxable accounts at Vanguard, and t...
by robertalpert
Fri Dec 14, 2012 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: New job requiring me to move my brokerage accounts to them..
Replies: 20
Views: 2493

Re: New job requiring me to move my brokerage accounts to th

RE: brokerage products versus investment products


Edit: Deleted because already covered above
by robertalpert
Mon Dec 10, 2012 12:06 am
Forum: Investing - Theory, News & General
Topic: Wellsley Fund
Replies: 20
Views: 3198

Re: Wellsley Fund

Can I ask what is the advantage of owning both funds concurrently since they complement each other, I assume the strategy would be Wellington, then transitioning to Wellesley would be more suitable move in retirement. Also wanted to point out the misspelling on OP's part. Diversification: Wellesley...
by robertalpert
Sun Dec 09, 2012 10:19 pm
Forum: Investing - Theory, News & General
Topic: Wellsley Fund
Replies: 20
Views: 3198

Re: Wellsley Fund

I personally like these two funds a lot. Our portfolio uses equal amounts of Wellesley, Wellington, and SEQUX exclusively for large cap / corporate bond allocation. For the rest, we index. The disadvantage -- it makes for a few more than three funds. I guess you can't have it both ways.
by robertalpert
Tue Nov 13, 2012 7:45 pm
Forum: Personal Investments
Topic: TIPS fund, why negative yield?
Replies: 26
Views: 4043

Re: TIPS fund, why negative yield?

bump bump
by robertalpert
Wed Nov 07, 2012 6:09 pm
Forum: Investing - Theory, News & General
Topic: inflation: soft signs
Replies: 14
Views: 1951

Re: inflation: soft signs

I use Barbasol because it is by a good margin the cheapest shaving cream available. An 11-ounce can lasts me about six months. Yesterday, I bought a new can and the price had gone up from $1.49 to $1.79 and the identical-looking can is now labeled as containing only 10 ounces. Obviously inflation i...
by robertalpert
Wed Nov 07, 2012 10:29 am
Forum: Investing - Theory, News & General
Topic: inflation: soft signs
Replies: 14
Views: 1951

Re: inflation: soft signs

Timing does not work. So if you want insurance when there is smoke visible, and the horse is halfway out of the barn, yeah expect to pay for it. But what about allocation? For example, most of vanguard target retirement funds do not contain tips, (except for target 2010 and target retirement income...
by robertalpert
Tue Nov 06, 2012 10:38 pm
Forum: Investing - Theory, News & General
Topic: inflation: soft signs
Replies: 14
Views: 1951

Re: inflation: soft signs

Whether TIPS belong in your portfolio is another question altogether, depending on your overall portfolio size and tax-advantaged % and equity % it might or might not make sense in your investment plan. This makes a lot of sense, A matter of IPS. We are at about 75 / 25 stock- bond ratio. If alloca...
by robertalpert
Tue Nov 06, 2012 8:49 am
Forum: Investing - Theory, News & General
Topic: inflation: soft signs
Replies: 14
Views: 1951

Re: inflation: soft signs

Perhaps there is a shortage of ruby red grapefruit? There is similar price increase for all products offered in these machines, Red Ruby is the only one that i buy. OK, let's say you put 10% of your portfolio in TIPS, yielding -1%. What have you accomplished? You have guaranteed that 10% of your po...
by robertalpert
Mon Nov 05, 2012 7:37 pm
Forum: Investing - Theory, News & General
Topic: inflation: soft signs
Replies: 14
Views: 1951

inflation: soft signs

My favorite beverage from vending machine, ruby red greatfruit juice just increased in price from $1.25 to $1.45 (15 fluid oz bottle). Does that mean that it's time to consider a TIPs allocation? Should we even look for soft signs of inflation? Or is it best to simply consider the TIPs interest rate...
by robertalpert
Sat Oct 27, 2012 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Conflict resolution strategies for toxic co-workers
Replies: 18
Views: 2410

Re: Conflict resolution strategies for toxic co-workers

Perhaps there is a trust issue.

Another book recommendation:
The speed of trust : the one thing that changes everything -------- by Stephen M. R. Covey
by robertalpert
Sat Oct 27, 2012 8:13 pm
Forum: Personal Consumer Issues
Topic: Laptop recommendation - under $500
Replies: 32
Views: 4280

Re: Laptop recommendation - under $500

From your post, I don't think you would like it. It is really a Googlebook that runs the GoogleOS and prominently features the Google browser whose default homepage is Google.com. Thanks sscritic, I'm running XP on a desktop and it is working well. But family of three, each seeking time on computer...
by robertalpert
Sat Oct 27, 2012 5:40 pm
Forum: Personal Consumer Issues
Topic: Laptop recommendation - under $500
Replies: 32
Views: 4280

Re: Laptop recommendation - under $500

If you are looking for security and simplicity, I suggest taking a look at the various Chromebook systems from Samsung. Simplicity is good. Does Chromebook support DVD writers / CD writers: ( copying CDs, including copying of musical CDs?) Is Chromebook supported by most websites? Is hard drive of ...
by robertalpert
Thu Oct 25, 2012 8:44 am
Forum: Personal Investments
Topic: Fidelity offers a promotion to bring your money
Replies: 36
Views: 6025

Re: Fidelity offers a promotion to bring your money

At one point I got a call from someone from the Fidelity 'Trading desk'. I said there had to be some mistake, as we are going to go with a few broad index funds as suggested. ( on this website) I explained we would not be trading. .......... What the heck is a fund company 'giving money away?"...
by robertalpert
Thu Sep 27, 2012 5:13 pm
Forum: Investing - Theory, News & General
Topic: What #s to Set Inflation Rate and Rate of return for Plan..
Replies: 25
Views: 1635

Re: What #s to Set Inflation Rate and Rate of return for Pla

Cut-throat,

If 1% real return suites you and your future needs, then you may not need the allocation risk associated with 70/30. Have you considered limiting the downside, acheive 1% real with allocation of 60/40 or 50/50?
by robertalpert
Thu Sep 27, 2012 9:17 am
Forum: Investing - Theory, News & General
Topic: What #s to Set Inflation Rate and Rate of return for Plan..
Replies: 25
Views: 1635

Re: What #s to Set Inflation Rate and Rate of return for Pla

Cut-Throat wrote: The numbers I posted represent a 'Real Return' Rate of 1%....Historic Average of 30% Stock/70% Bond is much higher than that.
If future time frame is 20+ years, then your growth estimate would be very conservative.
by robertalpert
Thu Sep 27, 2012 9:03 am
Forum: Investing - Theory, News & General
Topic: What #s to Set Inflation Rate and Rate of return for Plan..
Replies: 25
Views: 1635

Re: What #s to Set Inflation Rate and Rate of return for Pla

1.) Plan Inflation Rate - I am currently using 3% 2.) Rate of Investment Return - I am currently using 4%[/b] These are long-term "real-rate" historic averages. Nominal rates would be higher. If you think future is same as past in real-rate terms, then use them. If you think otherwise, ad...
by robertalpert
Tue Sep 25, 2012 6:47 pm
Forum: Personal Investments
Topic: Conversion to admiral shares
Replies: 16
Views: 2048

Re: Conversion to admiral shares

Vanguard rep told me that they check value of admiral share holdings once per year in June or July. If you convert and your holdings go below 10K, probably no harm done, unless it is during the June / July timeframe. If you convert to admiral now (and not sell any), then chances are, its value will ...
by robertalpert
Tue Sep 04, 2012 6:54 pm
Forum: Investing - Theory, News & General
Topic: State pension and asset allocation question
Replies: 46
Views: 3996

Re: State pension and asset allocation question

So is the smart thing to take the separation refund and run? The 6.5% guaranteed is very attractive however, but if I will not be able to get this money later I would rather invest it in the markets myself. I think this is the worst of all choices. Take the $1800 / month and assure lifetime income ...
by robertalpert
Sun Aug 19, 2012 9:22 am
Forum: Investing - Theory, News & General
Topic: Are Vanguard ER's stacked?
Replies: 12
Views: 3068

Re: Are Vanguard ER's stacked?

I once asked a Vanguard rep that very question about Vanguard Target date funds ---- Vanguard said it was not stacked, but the Target date ERs are a weighted average. Does any else know how this compares with other non-Vanguard balanced-type funds? Do other fund families stack their fund-of-fund ERs?
by robertalpert
Fri Aug 17, 2012 9:52 am
Forum: Investing - Theory, News & General
Topic: What are good funds to tilt to international small value?
Replies: 24
Views: 5844

Re: What are good funds to tilt to international small value

An alternative to DLS: Schwab Fdmtl Intl Sm Mid Co Idx Instl (SFILX) SFILX is also available in etf format: PowerShares FTSE RAFI Developed Markets ex-US Small-Mid Portfolio ( NYSE Arca : PDN ) My personal preference is keep it simple and stick with VSS.
by robertalpert
Tue Aug 07, 2012 8:28 am
Forum: Personal Investments
Topic: My Kids Want To Invest - Thoughts and Considerations
Replies: 18
Views: 2094

Re: My Kids Want To Invest - Thoughts and Considerations

With only $1000 to invest, ETFs are really not worth the trouble. ETF's are not at all practical if your household accounts (& kids' accounts) are at the Standard level (less then $50K combined asset value) due to brokerage account fees. And there the hidden ETF fees from bid-ask spreads. Keep ...
by robertalpert
Mon Aug 06, 2012 10:26 pm
Forum: Personal Investments
Topic: My Kids Want To Invest - Thoughts and Considerations
Replies: 18
Views: 2094

Re: My Kids Want To Invest - Thoughts and Considerations

There are many good suggestions above. I feel that Target-date-funds have simpler Indexed construction, and much greater transparency than STAR. With only $1000 to invest, ETFs are really not worth the trouble. ETF's are not at all practical if your household accounts (& kids' accounts) are at t...
by robertalpert
Sun Jul 22, 2012 9:11 pm
Forum: Personal Investments
Topic: Rolling over a Roth 401(k) containing employer match
Replies: 32
Views: 11853

Re: Rolling over a Roth 401(k) containing employer match

The original 401-K broker should be able to transfer the after-tax contributions separately from the pre-tax match. Tell Fidelity to transfer the after-tax portion to Vanguard Roth IRA and the pre-tax-match portion to Vanguard Traditional IRA. Then you may choose to convert (or not to convert) the T...
by robertalpert
Sat Jun 30, 2012 10:07 pm
Forum: Investing - Theory, News & General
Topic: Active Passive Bet Year 6: Active Winning
Replies: 155
Views: 17779

Re: Active Passive Bet Year 6: Active Winning

* The average return of the active funds fell short of the benchmark, yet * By count , the majority of the active funds beat their benchmarks. That is, the distribution of returns of actively managed funds would turn out to have a skewed distribution, skewed downward, in which most beat their bench...
by robertalpert
Sat Jun 30, 2012 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Why retire in June, of all months?
Replies: 52
Views: 5676

Re: Why retire in June, of all months?

Some employers give one year's employment credit toward retirement with working at least 1000 hours during a calender year. Many full-time workers would have 1000 worked hours by end of June.
by robertalpert
Wed Jun 20, 2012 6:46 pm
Forum: Personal Investments
Topic: Leaving Wells Fargo - sell first or transfer in-kind?
Replies: 14
Views: 2002

Re: Leaving Wells Fargo - sell first or transfer in-kind?

Taxable account best to transfer strictly cash (sell funds prior to transfer). This saves major headaches next year at tax time.

IRA's: If you will be staying in same investments after the tranafer, then just do it in-kind.
by robertalpert
Tue Jun 19, 2012 6:56 pm
Forum: Personal Investments
Topic: Vanguard Roth-1 & Roth-2: Merge pros/cons
Replies: 7
Views: 1004

Re: Vanguard Roth-1 & Roth-2: Merge pros/cons

I would also like to know these answers. Am considering converting tira. Have existing roth for 10 plus years. Am older than 60.
by robertalpert
Sat Jun 16, 2012 10:20 am
Forum: Personal Investments
Topic: Everything at Vanguard?
Replies: 21
Views: 2441

Re: Everything at Vanguard?

I used to be split between Fidelity and Vanguard, but have consolidated at Vanguard a couple years ago. Nearly all of my investments are in Vanguard funds. I do have some SEQUX, part of which is held partly at Vanguard, and partly held directly with Sequoiafund. Fidelity has chosen not to offer SEQU...
by robertalpert
Tue Jun 12, 2012 9:52 am
Forum: Investing - Theory, News & General
Topic: A case for actively managed funds
Replies: 52
Views: 4405

Re: A case for actively managed funds

A time frame of 10-years is not nearly long enough to conclude that a fund's out-performance is not by chance alone. What would your friend respond to using a time frame of 40 years of history. Do any of his stock-fund choices even have a 40 year history? That would be my minimum benchmark.
by robertalpert
Wed May 30, 2012 9:45 am
Forum: Investing - Theory, News & General
Topic: Rebalancing into Poverty
Replies: 211
Views: 15265

Re: Rebalancing into Poverty

Consider using wider bands to reduce the frequency of re-balancing. This may reduce discouragement and may be more effective to boot.
by robertalpert
Sun May 27, 2012 9:10 pm
Forum: Investing - Theory, News & General
Topic: Fun with treemap charts (updated w/ new website)
Replies: 49
Views: 5595

Re: Fun with treemap charts (updated w/ new website)

It looks kinda like Telab's fractal geometry maps. Interesting stuff, but fractal mappings have have not proven to be very practical.


But still very interesting!!!