I am currently watching season 12 of Death in Paradise and season 13 of Vera. Both are streaming on Amazon Prime with Britbox.
I recommend both.
Search found 26241 matches
- Sat Mar 02, 2024 8:29 am
- Forum: Personal Consumer Issues
- Topic: [What TV Show Have You Recently Watched?]
- Replies: 5973
- Views: 690185
- Fri Mar 01, 2024 4:55 pm
- Forum: Personal Investments
- Topic: New portfolio and 401k advice
- Replies: 22
- Views: 2341
Re: New portfolio and 401k advice
Welcome to the forum :D . It's great to see that you are debt free other than your mortgage note. . . . . . Some additional information may be helpful. Which fund firm or brokerage is your taxable account currently with? Will you be eligible for both a substantial pension and Social Security benefits? Does your employer offer a High Deductible Health Plan (HDHP) so that you are eligible to contribute to a Health Savings Account (HSA)? Is a HDHP suitable for your health insurance needs? Does your current employer's 401k plan permit Roth contributions? Does your current employer's plan permit, after-tax, non-Roth contributions? Does your current employer's plan permit EITHER (a) in-plan conversion of the after-tax, non-Roth contributions to t...
- Fri Mar 01, 2024 4:15 pm
- Forum: US Chapters
- Topic: Post your Financial Milestone Announcements Here
- Replies: 3606
- Views: 562406
Re: Post your Financial Milestone Announcements Here
You can blow some of it in something you both enjoy.mhc wrote: ↑Fri Mar 01, 2024 4:04 pmThank you everyone.ruralavalon wrote: ↑Fri Mar 01, 2024 3:31 pmCongratulations, you have dodged the sequence of returns risk so far
Its a wonderful feeling when portfolio growth is greater than retirement living expenses.
I'm still debating if I should tell my DW. She might really start blowing the dough.
Enjoying your retirement was the purpose for saving and investing as you did.
- Fri Mar 01, 2024 4:06 pm
- Forum: Personal Investments
- Topic: Help Learning to day trade on trading platforms
- Replies: 40
- Views: 6126
Re: Help Learning to day trade on trading platforms
About 1%.Vanguard User wrote: ↑Sat Sep 16, 2023 2:59 pm What is the success rate of people who day trade? I usually see people bragging on social media on how they are making millions.
- Fri Mar 01, 2024 4:02 pm
- Forum: Personal Investments
- Topic: Help Learning to day trade on trading platforms
- Replies: 40
- Views: 6126
Re: Help Learning to day trade on trading platforms
Welcome to the forum :D Hello all! Disabled senior who can't move around much due to balance issues, trying to keep my mind active. I'm tired of crossword puzzles, and Sudoku, so I thought I would try my hand at learning Day Trading, and if I can earn a few bucks on top, that would be a bonus!. Disabled senior here who can't get around much due to left hemiparesis. I keep my mind active by reading and learning new things. In my opinion day trading is a very bad idea. The SEC gives a firm message about day trading, with warnings like “Be prepared to suffer severe financial losses”. Investor.gov The Balance SEC.gov Public.com I suggest keeping your mind active with something more productive, study some subject that interests you (but won't ri...
- Fri Mar 01, 2024 3:31 pm
- Forum: US Chapters
- Topic: Post your Financial Milestone Announcements Here
- Replies: 3606
- Views: 562406
Re: Post your Financial Milestone Announcements Here
Congratulations, you have dodged the sequence of returns risk so far
Its a wonderful feeling when portfolio growth is greater than retirement living expenses.
- Fri Mar 01, 2024 10:55 am
- Forum: Investing - Theory, News & General
- Topic: What are you up YTD? [Year To Date]
- Replies: 5249
- Views: 900256
Re: What are you up YTD? [Year To Date]
Age 78 retired,no pension or annuity, my asset allocation is 60/40.
Total return of my portfolio is + 3.36% year to date.
That's about my expected withdrawal rate for the entire year.
Total return of my portfolio is + 3.36% year to date.
That's about my expected withdrawal rate for the entire year.
- Fri Mar 01, 2024 10:51 am
- Forum: US Chapters
- Topic: Post your Financial Milestone Announcements Here
- Replies: 3606
- Views: 562406
- Thu Feb 29, 2024 3:08 pm
- Forum: Personal Investments
- Topic: Why am I here? [Portfolio review request]
- Replies: 11
- Views: 1745
Re: Why am I here?
What are the general terms of the Early Retirement Incentive Plan? I'd suggest adding the full names of each fund -- most here have not memorized all the tickers. You can edit your original post and add this information - it will probably help generate faster, more appropriate replies. + 1. For the taxable brokerage account at Wells Fargo add information on the UNrealized capital gain/loss status and amount for each investment. This is to enable suggestions on how to remedy that account with lesser tax consequences. I also suggest posting in this format ( Asking Portfolio Questions ) to indicate all accounts and investments in each account. Will you be eligible for both a substantial pension and Social Security benefits? What annual amounts...
- Wed Feb 28, 2024 10:11 am
- Forum: Personal Investments
- Topic: Balance funds - what are the good ones?
- Replies: 18
- Views: 3068
Re: Balance funds - what are the good ones?
Out of curiousity, what do you think are great balance fund options? Which one has low enough expense? Which one is more tax efficient? The ones I can think of are something like Vanguard Life Strategy funds, then there's Wellington which was started in 1929, and Wesllesley, which was started in the 70's. In the 90's, I remember being interested in Dodge and Cox Balanced, but since I went with indexing soon after, I haven't looked at them for a while. Vanguard Tax-Managed Balanced Adm (VTMFX)ER 0.09% for a good tax-efficiency in a taxable account. In tax-advantaged accounts Vanguard Balanced Index Adm (VBIAX) ER 0.07%. Also Dodge & Cox Balanced I (DODBX) ER 0.52% is a good fund, with higher return and higher volatility. I am in a lower...
- Tue Feb 27, 2024 10:00 am
- Forum: Personal Investments
- Topic: I am not seeing how bonds have mitigated losses during downturns
- Replies: 27
- Views: 4337
Re: I am not seeing how bonds have mitigated losses during downturns
I am hoping someone can clear this up, but I always saw bonds as performing inversely to equities [emphasis added]. . . . . Incorrect. Stocks and bonds are not inversely correlated, they have a low correlation. . . . . . However, if I pull up the annual performance going back to ~2007 for VFIAX and VBTLX, I am not seeing that trend on first take. Example for 2022: VFIAX: -19.49% VBTLX: -15.22% Example 2018: VFIAX: -6.23% VBTLX: -2.77% Granted, we do see a delta between the magnitude of loss, but is that 4-5% delta make sense and even worth it considering all the growth of equities you miss out on every other year? . . . . Recency bias rears its ugly head again. The delta has been around 20%, 30% and 40%. Example for 2000 VFINX - 9.06 VBMFX...
- Tue Feb 27, 2024 9:40 am
- Forum: Personal Investments
- Topic: Can I simultaneously exchange VFIAX for VOO?
- Replies: 5
- Views: 937
Re: Can I simultaneously exchange VFIAX for VOO?
In my Roth at VG I have VFIAX and it occurred to me that VOO has a slightly lower ER. While it’s such a tiny difference and unlikely to be noticed decades from now, I still see no reason not to use the lowest ER available for the same fund. But when I tried to exchange my VFIAX for VOO it will not list VOO as a viable exchange option. It appears as if I can only exchange VFIAX for another mutual fund. Has anyone successfully exchanged a fund for an ETF and if so, please explaining how. I don't assume that the ETF share class with just a tiny bit lower expense ratio will have better performance. In the past the mutual fund has had slightly better performance, Portfolio Visualizer, 2011-2024 You don't "exchange", you "convert&...
- Tue Feb 27, 2024 9:12 am
- Forum: Personal Investments
- Topic: Asset Allocation help
- Replies: 16
- Views: 2153
Re: Asset Allocation help
My bond fund in my 401k is going to close soon (Fixed Income Index Fund, (Barclays Capital U.S. Aggregate Bond, total bond market) ER 0.18%) In its place, are the following I can choose from. U.S Treasuries Index Fund, Benchmark: Bloomberg U.S. Long treasury Bond Index ER 0.10% Credit/Corp Bond Index Fund, Benchmark: Bloomberg U.S. Intermediate Credit Index ER 0.115% Real Return Fund, Benchmark: Bloomberg Barclays TIPS Index ER 0.11% High Yield Bond Index, Benchmark: Vanguard High Yield Corporate Composite Index ER 0.20% If I don't do anything, the plan will split it 70/30 between the U.S. Treasuries Index Fund and the Credit/Corp Bond Index. I would just like to keep it in one if I can. If so, which one should I choose. Thanks "Credi...
- Tue Feb 27, 2024 8:59 am
- Forum: Personal Investments
- Topic: Asset Allocation help
- Replies: 16
- Views: 2153
Re: Asset Allocation help
Duplicate post deleted.
- Tue Feb 27, 2024 8:47 am
- Forum: US Chapters
- Topic: Post your Financial Milestone Announcements Here
- Replies: 3606
- Views: 562406
Re: Post your Financial Milestone Announcements Here
Congratulations on the two comma portfolioProsperGoalzz wrote: ↑Mon Feb 26, 2024 10:33 pm I was excited to see that my invested assets (minus a small-ish HSA and an "ok" 529) are now above $1,100,000. Add those and the equity in my home, and net worth is nearly $2M.
Being near retirement, I'm suddenly (well, last year or so) sensitive to a sense of impending (markets) doom. For this reason, earlier this year, I moved appropriately 2 years of expenses into cash. Drag? Helps me SWAN.
- Mon Feb 26, 2024 2:37 pm
- Forum: Personal Investments
- Topic: Portfolio Review request: I am a fumbling beginner
- Replies: 29
- Views: 3909
Re: Portfolio Review request: I am a fumbling beginner
Crikey. I won't pretend to understand this chart, Bosely, but I think I do think I understand the gist of it and I appreciate that I'll be able to come back to this chart as I understand more. I do also pay into Social Security. I will try to find out any way to estimate the pension so I can get a better sense of how much more I need. It's great that you will be eligible for both a substantial pension and Social Security benefits. So your investments will not need to fund all of your retirement spending needs. You want to aim for an investing portfolio at retirement which is around 25 times your annual retirement spending (net of annual pension and Social Security benefits). At age 45 it may not be possible to accurately forecast your reti...
- Mon Feb 26, 2024 2:18 pm
- Forum: Personal Consumer Issues
- Topic: What Movie Have You Recently Watched?
- Replies: 11037
- Views: 2066889
Re: What Movie Have You Recently Watched?
For a classic, try Cat People (1942 film).
- Sun Feb 25, 2024 2:24 pm
- Forum: Personal Investments
- Topic: converting VTSAX to VTI inside of a traditional IRA at Vanguard
- Replies: 43
- Views: 5520
Re: converting VTSAX to VTI inside of a traditional IRA at Vanguard
Questionscritterdude311 wrote: ↑Fri Feb 23, 2024 11:26 am I was wondering if anyone has converted/exchanged VTSAX to VTI inside of a Traditional or Roth IRA at Vanguard. There used to be a way to do this conversion process via the website, but I believe the option was removed a few years ago.
I know the conversion can be done in a plain old taxable brokerage account by calling Vanguard, but I'm curious if anyone has had this conversion done in a Traditional or Roth account.
No.
That would not serve any purpose in a tax-advantaged account. So why bother?
- Sun Feb 25, 2024 2:15 pm
- Forum: Personal Investments
- Topic: Portfolio Review request: I am a fumbling beginner
- Replies: 29
- Views: 3909
Re: Portfolio Review request: I am a fumbling beginner
welcome to the forum :D . It's great to see that you "have no debt, good budgeting practices in place, and live well within my means" You are not too late, and have no need to play "catch up" in my opinion.Just switch to very diversified index funds with low expense ratios in your IRAs, take advantage of any additional retirement plan offered by your employer, and contribute to investing as much as practical for you. After my first post yesterday, I was advised to present for a full portfolio review. I hope this helps provide the necessary context for my questions! Thank you all in advance. Emergency funds: 12 months Debt: none Tax Filing Status: single Tax Rate: 24% Federal, 6% State State of Residence: NY Age: 45 Desir...
- Sun Feb 25, 2024 1:34 pm
- Forum: Personal Investments
- Topic: Finances in retirement
- Replies: 30
- Views: 5054
Re: Finances in retirement
Thanks for the reply. From what I can gather from work the company stock payouts will be taxed as normal income. If I take SS at 65, when I add in my brokerage dividends and company stock payout I would have a yearly income of roughly $104,000 per year for 5 years. That was the reason I was thinking about delaying taking SS until the company stock payouts were depleted. In the past few years I started pulling out the dividends and put that money in CD's to lower my exposure to stocks. Health wise I don't get around like I used to and am a type 2 diabetic. I don't have a tax accountant but should probably look into getting one. Thanks Hi, Thinking about retiring next year when I turn 65. Not sure what to do with my 401k and Social Security....
- Sun Feb 25, 2024 1:27 pm
- Forum: Personal Investments
- Topic: Portfolio Review Request
- Replies: 9
- Views: 1509
Re: Portfolio Review Request
What index is used by each of those funds? Can you post a link to the fact sheet for each of those funds?
Large Cap US Equity Index Fund (.015)
Large Cap Growth Index Fund (.016)
Mid Cap US Equity Index Fund (.03)
Small Cap US Equity Index Fund (.04).
As others have noted it may be that simply using just the "Large Cap US Equity Index Fund (.015)" could be good enough by itself for investing in U.S. stocks, without adding the other U.S. stock funds.
Large Cap US Equity Index Fund (.015)
Large Cap Growth Index Fund (.016)
Mid Cap US Equity Index Fund (.03)
Small Cap US Equity Index Fund (.04).
As others have noted it may be that simply using just the "Large Cap US Equity Index Fund (.015)" could be good enough by itself for investing in U.S. stocks, without adding the other U.S. stock funds.
- Fri Feb 23, 2024 4:23 pm
- Forum: Personal Investments
- Topic: 401K Fund Selection
- Replies: 11
- Views: 1695
Re: 401K Fund Selection
Very excited to have found this community this year. I need help picking my 401K funds. Here is some info - I'm 36 and married (wife is 33) with 2 kids (5 and 1) - Filing jointly and are in the 22% tax bracket (5% Oklahoma) I am looking for a simplified and diverse, set-it-and-forget-it with rebalancing solution with the following fund options available to me and my wife: Name (Ticker) ER FOR ME: US Stock Total FID TOTAL MKT IDX (FSKAX) 0.015% US Stock - Small Cap WT SMID CAP RES EQ 1 0.82% International AF EUROPAC GROWTH R6 (RERGX) 0.47% Target Date Funds (only the ones that reflect my supposed retirement age) AF TRGT DATE 2050 R6 (RFITX) 0.38% AF TRGT DATE 2055 R6 (RFKTX) 0.38% AF TRGT DATE 2060 R6 (RFUTX) 0.39% Bonds BAIRD CORE PLUS INS...
- Fri Feb 23, 2024 4:02 pm
- Forum: US Chapters
- Topic: Post your Financial Milestone Announcements Here
- Replies: 3606
- Views: 562406
- Fri Feb 23, 2024 3:01 pm
- Forum: Personal Investments
- Topic: Where to manage a low touch portfolio
- Replies: 41
- Views: 3117
Re: Where to manage a low touch portfolio
What assets do you have at MS? Some things may not transfer in kind - don't know if that has anything to do with your current snag. Beyond that, though, with $500k in taxable you might have significant gains, and need to carefully consider the tax implications for anything you have to sell. Regarding a destination, Vanguard is fine, and I use them. But, there are others that offer pretty good bonuses for $500k, and would work fine to buy and hold a couple of index funds. Finally, stick with it and get away from the high fees. More money for you. :dollar Here are the assets I have: American Funds Fundamental Invs F2 , FINFX iShares Russell Mid-Cap Value ETF ,IWS iShares Core S&P Mid-Cap ETF IJF iShares S&P Small-Cap 600 Growth ETF I...
- Fri Feb 23, 2024 1:55 pm
- Forum: Personal Investments
- Topic: Portfolio Review Request
- Replies: 9
- Views: 1509
Re: Portfolio Review Request
Emergency funds: Yes Income: Him $170k + $20-30k bonus Her $90k + $5-9k bonus Debt: Car Loan - $10k balance @2.99%, 3 years remaining Mortgage - $290k balance @2.99%, 27 years remaining Tax Filing Status: Married Filing Jointly Tax Rate: 24% Federal, 6.25% State State of Residence: New York Age: Him 32, Her 30 Desired Asset allocation: 90% stocks / 10% bonds Desired International allocation: 16% of stocks Portfolio Size: $320k Current retirement assets Taxable 15.3% Vanguard Total Stock Market ETF (VTI) (0.03) 1.6% Invesco QQQ Trust (QQQ) (0.2) 1.9% Vanguard 500 index Fund ETF (VOO) (0.03) His 401k - Using self-directed option through fidelity 37.7% Fidelity® Total Market Index (FSKAX) (.015) 12.4% Fidelity® Total International Index (FTIH...
- Fri Feb 23, 2024 1:33 pm
- Forum: Personal Investments
- Topic: Where to manage a low touch portfolio
- Replies: 41
- Views: 3117
Re: Where to manage a low touch portfolio
What investments do you currently hold in that account?fsa317 wrote: ↑Fri Feb 23, 2024 10:18 amTaxable brokerage, they refer to it as "Select UMA Active Assets Account"ruralavalon wrote: ↑Fri Feb 23, 2024 10:09 am What type of account do you have at Morgan Stanley (taxable brokerage account, traditional IRA, Roth IRA, trust account, something else)?
- Fri Feb 23, 2024 10:09 am
- Forum: Personal Investments
- Topic: Where to manage a low touch portfolio
- Replies: 41
- Views: 3117
Re: Where to manage a low touch portfolio
What type of account do you have at Morgan Stanley (taxable brokerage account, traditional IRA, Roth IRA, trust account, something else)?
- Thu Feb 22, 2024 6:39 pm
- Forum: Personal Investments
- Topic: Question about IRA fund
- Replies: 3
- Views: 370
Re: Question about IRA fund
Diversification always means that something you own will be last in performance.Hipospadus wrote: ↑Thu Feb 22, 2024 6:24 pm I have a small position of 25K in my rollover IRA in the VXUS vanguard international index fund which represents 5.62% of my total IRA holdings. i bought it in 2019 andto date it has only grown 30%. i like staying diversified but would rather put that money into something with better growth. any suggestions? I have VOO, some bond funds, stocks and many other positions in my IRA as well. thanks
- Thu Feb 22, 2024 1:13 pm
- Forum: Personal Investments
- Topic: Where to manage a low touch portfolio
- Replies: 41
- Views: 3117
Re: Where to manage a low touch portfolio
In my opinion Vanguard, Fidelity or Schwab would all be good choices for a low cost fund provider. It's largely a matter of personal preference, my personal preference is Vanguard.fsa317 wrote: ↑Thu Feb 22, 2024 1:10 pm I currently have about 500k in a managed account with Morgan Stanley. The fees are killing me. I plan on moving that account in small chunks over to a new account where I will manage a few funds. I’m not sure where to open the account. I’ve read about Robinhood, or vanguard but wanted to get some expert advise before creating a new account. Any info is helpful.
I do NOT suggest using Robinhood.
- Thu Feb 22, 2024 1:04 pm
- Forum: Personal Investments
- Topic: Admiral Shares vs Investor Shares mutual fund
- Replies: 31
- Views: 3637
Re: Admiral Shares vs Investor Shares mutual fund
Hoping OP can comment on the following: Are you investing through a brokerage window (e.g. Fidelity's BrokerageLink) rather than choosing directly from the 401k fund selections? I find it interesting that a 401k plan selection would offer the same fund in different share classes. Certainly different than any 401k plan that I've been involved with. I learned from contributors to this forum topic that Admiral class shares require a higher minimum balance than Investor class shares. I am guessing that the Investor fund is for new employees or for very low savers, until they have accumulated enough for them to move to the Admiral class. I also learned from my plan administrator that exchanging in or out of the Admiral class is not allowed as o...
- Thu Feb 22, 2024 12:59 pm
- Forum: Personal Investments
- Topic: Admiral Shares vs Investor Shares mutual fund
- Replies: 31
- Views: 3637
Re: Admiral Shares vs Investor Shares mutual fund
What is the difference between a Vanguard ...Index Fund Admiral Shares mutual fund and a Vanguard ...Index Fund Investor Shares mutual fund? They seem to have identical allocations and historical performance. I have access to choose either in my 401k plan. They hold identical investments, and have identical performance the only difference in performance is the impact of the expense ratios, they are just different share classes of the same fund.I Some funds only have Investor Shares. I thought Vanguard stopped selling investor shares to retail investors. I read they are still sometimes (commonly?) offered through 401k plans Investor class shares are used as components of Vanguard target date funds and Vanguard LifeStrategy funds.
- Thu Feb 22, 2024 11:57 am
- Forum: Personal Investments
- Topic: 401k fund choices (make sure you're sitting down)
- Replies: 32
- Views: 2847
Re: 401k fund choices (make sure you're sitting down)
My wife's company has just switched from a simple to a 401k. The following fund choices are available. With this, im thinking she should just contribute up to the match (100% of the first 4%) and not bother with anymore. Which of these not so great choices should she go with? There is no plan fee on top of these expense ratios at least. This will be a very small % of our assets, so the rest of our allocation isn't important. Just looking for the best bang for our expense ratio buck. Leaning towards the smallcap world as I feel small caps, especially international, may have some value from active management and it is one of the funds that has outperformed its benchmark over the last 10 years. Thoughts? American Funds 2010 TD R3 .93%ER Ameri...
- Thu Feb 22, 2024 11:52 am
- Forum: Personal Investments
- Topic: VBIAX. Why not?
- Replies: 70
- Views: 11243
Re: VBIAX. Why not?
Really VBIAX is a great single fund in taxable, for lower tax bracket investors. VBIAX does not have X US; but that can be kept in tax sheltered or tax free accounts if desired. And as a single fund in taxable VBIAX is pretty tax efficient in and of itself, and also by eliminating the need to rebalance. Which lower tax brackets would you say it's great for? 40% of VBIAX is Taxable Bonds. From my investment plan (I may have gotten this from Grabiner many years ago) : Taxable or Tax-Exempt Bonds? To determine which alternative is best, calculate the tax equivalent yield (TEY) of an investment. The TEY is about equivalent to the tax-exempt yield (Y) divided by 100 percent minus the tax rate. TEY = Y/(100% - effective federal and state tax rat...
- Thu Feb 22, 2024 10:55 am
- Forum: Personal Investments
- Topic: Super beginner question about my current work retirement funds
- Replies: 16
- Views: 1914
Re: Super beginner question about my current work retirement funds
I'll try and do a summary of replies right here. I'm definitely late to this process as I'm in my mid 30's. - The one through T Rowe price is almost certainly a standard 401k whereas I know for certain my one through my last job is a Roth by my own choice at the time it was created. - My current job does not offer a retirement option as I am technically a contractor. Someone asked about how much money I currently make, and it is below $100k. - I'm have plenty of savings right now outside of retirement funds and no debts. I'd like to consider getting a house in the future though b/c I'm living in a cheap shared house situation. . . . . . Mid-30s is NOT too late to make a difference using a well diversified funds with low expense ratios and ...
- Wed Feb 21, 2024 10:20 am
- Forum: Personal Investments
- Topic: Super beginner question about my current work retirement funds
- Replies: 16
- Views: 1914
Re: Super beginner question about my current work retirement funds
Welcome to the forum :D I was just introduced to bogleheads and I'm trying to get started with investments. I'm going through the startup kit wiki , but I've also had multiple people tell me that the biggest hurdle to just start. You make for example, a roth ira with something like fidelity, make sure you set it to put in a set amount each month so you don't forget, and start with something simple like the S&P 500. However, I'm a bit confused (and maybe I'm overthinking this) on what that means I should do with my work retirement funds. I have a small amount that a part time job post-college contributed to with Trowe price. I also have a more significant amount that my first actual career job put into until that job went away in 2019. T...
- Mon Feb 19, 2024 3:10 pm
- Forum: Personal Investments
- Topic: What return should I target to plan for retirement
- Replies: 15
- Views: 3111
Re: What return should I target to plan for retirement
In my opinion "what RoR I should aim for" and "What return should I target" are the wrong questions.
"Planning for your retirement would be easy if you could depend on earning the same amount year after year from your savings. You'd know exactly how much you could afford to withdraw and would never have to deal with market uncertainties." Vanguard. But it's not that easy, there are many unknown and unknowable variables at play.
Here are calculators you can use to assess the range of possible outcomes at different levels of contributions and different asset allocations:
1) firecalc;
2) i-orp;
3) Vanguard Retirement Nest Egg Calculator; and
4) Otar Retirement Calculator (ORC)
"Planning for your retirement would be easy if you could depend on earning the same amount year after year from your savings. You'd know exactly how much you could afford to withdraw and would never have to deal with market uncertainties." Vanguard. But it's not that easy, there are many unknown and unknowable variables at play.
Here are calculators you can use to assess the range of possible outcomes at different levels of contributions and different asset allocations:
1) firecalc;
2) i-orp;
3) Vanguard Retirement Nest Egg Calculator; and
4) Otar Retirement Calculator (ORC)
- Mon Feb 19, 2024 2:52 pm
- Forum: Personal Investments
- Topic: Daughters employer 401K vendor is changing
- Replies: 19
- Views: 1530
Re: Daughters employer 401K vendor is changing
There is no sense in speculating, it all depends on her employer's choices. She must just wait to find out the funds offered and the fees if any to be charged plan participants.
- Mon Feb 19, 2024 9:18 am
- Forum: Personal Investments
- Topic: Keep funds at 401k or transfer to IRA
- Replies: 13
- Views: 1209
Re: Keep funds at 401k or transfer to IRA
Welcome to the :D Hi all, First time poster. I just started a job at an MBB consulting firm that has Vanguard administer the 401K plan. Beside the legal shield benefit of the 401K, like many other 401K plans, your investing options are very limited compared to an IRA held at Merrill or Chase etc. The only negligible benefit I see is to access select Admiral shares of several different funds (low expense ratio >10bps). Please tell me why I should not be transferring my contributions directly to my IRA? You probably can't legally do this. What funds are offered in your employer's 401k plan? Please give fund names, tickers and expense ratios. If any good funds with low expense ratios are offered then it's more convenient to stay in the plan. Y...
- Sun Feb 18, 2024 9:53 am
- Forum: Personal Investments
- Topic: Retirement investments
- Replies: 12
- Views: 1658
Re: Retirement investments
My father is a CPA/ businessman and has handled my investments in the past. It is all in individual stocks. Overall it has been a diverse portfolio (about 30 stocks) with overall decent return. However, he has turned 72 and dementia does run in the family. Based on what I have read and my financial understandings I would like to start shifting some (and maybe eventually all) of these stocks in our savings to mutual funds. Although I understand some financial principles (I majored in economics) I do not consider it a skill of mine to do market research and know what individual stocks to buy. I would love feedback on what mutual funds or other investments you recommend and how to make the transition. Emergency Funds: I have an individual acc...
- Sat Feb 17, 2024 11:27 am
- Forum: Personal Investments
- Topic: Advice for 53 year old single female
- Replies: 52
- Views: 7786
Re: Advice for 53 year old single female
Welcome to the forum :D . Congratulations on "finishing some loan payments (car etc)", and on the new job with greater income. It's good to see that you are making maximum annual employee contributions to your current employer's 401k plan, and plan to have your mortgage paid off by the time of retirement. Hi there, brand new here and have been reading around a ton. So very confused now. With about 12 years left to work and finding myself with some additional income, I have to get serious about investing. I currently have the following: Old TIAA 401-K: Vanguard Federal Money Market Investor VMFXX - 57,000 TCII do you mean TIAA-CREF Lifecycle 2035 Institutional TCIIX??? - 88,000 Old Voya 401-k State Street Target Retirement 2035 K S...
- Sat Feb 17, 2024 9:56 am
- Forum: Personal Investments
- Topic: Fixing my terrible 401k! (converting to ROTH?, and getting out of crappy, expensive fund)
- Replies: 34
- Views: 2284
Re: Fixing my terrible 401k! (converting to ROTH?, and getting out of crappy, expensive fund)
More information will be helpful. Does his current employer's plan offer an employer match, if so what is it? Do you have any other accounts? If so what are the other accounts, and what investments are currently in each account? About how much (in dollars) do you believe you may be able to contribute annually to investing (total, all accounts)? Do you have any debt? If so what types, amounts and interest rates? . . . . . 1) Because of the "Admin fees are 0.21% recordkeeping + 0.18% advisor" and the limited fund choices in the current employer's plan I suggest rollover of the old 401k account into a traditional IRA at a low cost provider like Vanguard, Fidelity or Schwab. 2 In the current employer's plan I suggest simply using EITH...
- Fri Feb 16, 2024 6:22 pm
- Forum: Personal Investments
- Topic: Looking for help with what funds to hold in 401k
- Replies: 30
- Views: 2144
Re: Looking for help with what funds to hold in 401k
Many actively managed funds use an index as a benchmark. Can you post a link to the fact sheet for "Large cap fund 0.02 expense ratio. S&P 500 TR USD is the bench mark." It may not be a mutual fund, it may be a Collective Investment Trust (CIT). It might (or might not) be an index fund/CIT. In my opinion even at your ages (mid-30s), she should also consider a fixed income/bond investment. Can you post a link to the fact sheet for "Bond fund 0.26 expense ratio Bloomberg US AGG TR USD is the bench mark." What interest rate is currently being paid on "FDIC insured savings account". What interest rate is currently being paid on "Stable value 0.25 expense ratio USTREAS T-Bill Cnst Mat Rate 3 Yr is the benc...
- Fri Feb 16, 2024 3:43 pm
- Forum: Personal Investments
- Topic: Looking for help with what funds to hold in 401k
- Replies: 30
- Views: 2144
Re: Looking for help with what funds to hold in 401k
Many actively managed funds use an index as a benchmark. Can you post a link to the fact sheet for "Large cap fund 0.02 expense ratio. S&P 500 TR USD is the bench mark." It may not be a mutual fund, it may be a Collective Investment Trust (CIT). It might (or might not) be an index fund/CIT. In my opinion even at your ages (mid-30s), she should also consider a fixed income/bond investment. Can you post a link to the fact sheet for "Bond fund 0.26 expense ratio Bloomberg US AGG TR USD is the bench mark." What interest rate is currently being paid on "FDIC insured savings account". What interest rate is currently being paid on "Stable value 0.25 expense ratio USTREAS T-Bill Cnst Mat Rate 3 Yr is the bench...
- Fri Feb 16, 2024 11:53 am
- Forum: Personal Investments
- Topic: Small Cap Value - US/International
- Replies: 25
- Views: 2402
Re: Small Cap Value - US/International
Welcome to the forum .
I suggest that you not do "an all SCV portfolio".masterofcoin wrote: ↑Fri Feb 16, 2024 10:52 am If creating an all SCV portfolio to hold for the next 40+ years, what is your recommended allocation of US and ex-US Developed using AVUV and AVDV? Why?
AVUV
Avantis U.S. Small Cap Value ETF
Number of Holdings: 744
Expense Ratio: .25
AVDV
Avantis International Small Cap Value ETF
Number of Holdings: 1308
Expense Ratio: .36
Risk Parity (Portfolio Visualizer)
AVUV 43.5%
AVDV 56.5%
World All Cap Weighting (Vanguard Total World Stock ETF - VT)
US 61.7%
Ex-US Developed 28.8%
Ex-US Emerging 9.5%
Thank You
- Fri Feb 16, 2024 11:41 am
- Forum: Personal Investments
- Topic: Is it Too Late to Invest in VTI?
- Replies: 126
- Views: 19044
Re: Is it Too Late to Invest in VTI?
No.
Or it may not have peaked, and may be headed to another peak. Nobody knows.
What if You Only Invested at Market Peaks?.
- Fri Feb 16, 2024 11:24 am
- Forum: Personal Investments
- Topic: Fixing my terrible 401k! (converting to ROTH?, and getting out of crappy, expensive fund)
- Replies: 34
- Views: 2284
Re: Fixing my terrible 401k! (converting to ROTH?, and getting out of crappy, expensive fund)
Welcome to the forum :D First, I’m so happy to have found this forum! I’ve spent weeks reading through articles and even Facebook groups before finding it. Have already read some helpful advice so thanks. My personal situation/questions: 44y.o., started buying stocks in Vanguard cash account out of boredom during covid. Recently had me thinking.. I wonder what my husband’s 401K is in? Come to find out, for as far back as I can tell (10 yrs) it’s all ($100K) in a single fund…JTMIX through John Hancock. Did quick research..total return over 10 years?…NEGATIVE 20%!! Expense ratio?…0.97%!! So ashamed I never thought to check or figure out retirement investing all this time. Keep in mind I know very little still. So my main questions.. 1. He swi...
- Fri Feb 16, 2024 11:12 am
- Forum: Personal Investments
- Topic: Fidelity Zero Funds
- Replies: 64
- Views: 6075
Re: Fidelity Zero Funds
Would not call them a gimmick, maybe loss leader is the correct term. Just like their no-fee HSA account. I am comfortable with 50% large cap, 30% international and 20% small/mid cap zero funds in Roth and HSA. All market indexes implementations sample and approximate anyway, so who am I to say one sampling is better than the other, while having fees or no fees is the only constant in the equation. I call the Fidelity ZERO funds a genius marketing strategy, with little or no apparent benefit to the investor. The benefit I see is that - all else being equal - my Zero fund will come out ahead in the long run since nothing (currently) beats a 0% ER. We can talk all day long about tax-drags and portability and number of funds and so on. In the...
- Fri Feb 16, 2024 10:58 am
- Forum: Personal Investments
- Topic: Fidelity Zero Funds
- Replies: 64
- Views: 6075
Re: Fidelity Zero Funds
I call the Fidelity ZERO funds a genius marketing strategy, with little or no apparent benefit to the investor.vshun wrote: ↑Fri Feb 16, 2024 10:26 am Would not call them a gimmick, maybe loss leader is the correct term. Just like their no-fee HSA account.
I am comfortable with 50% large cap, 30% international and 20% small/mid cap zero funds in Roth and HSA. All market indexes implementations sample and approximate anyway, so who am I to say one sampling is better than the other, while having fees or no fees is the only constant in the equation.
- Thu Feb 15, 2024 3:23 pm
- Forum: Personal Investments
- Topic: Best Money Market Fund right now
- Replies: 19
- Views: 3375
Re: Best Money Market Fund right now
Hi wise Bogleheads, What do you think is the best overall money market fund to hold $200-$300k right now all things considered (fund stability, growth, returns, etc.), given savings account rates at major banks are not that great. We are aware that MM returns/rates can change over time. Once we moved our $ to a MM fund, how often should we look into this and may need to do some research and move the $ again to a hopefully "better" MM account (6 months? a year? Each time the Fed changes rates? war time / peace time? etc). What may affect MM rates and trigger a change in what may dethrone the "overall best MM fund to invest in"? Quick transfer to checking account timing is nice however not critical. Our intent is to hold ...
- Thu Feb 15, 2024 3:14 pm
- Forum: Personal Investments
- Topic: Tax Efficiency - FI in 401k - Technical Issue
- Replies: 6
- Views: 583
Re: Tax Efficiency - FI in 401k - Technical Issue
Absent an apocalyptic market crash, the asset allocation will not shift enough to matter in an hour.
Find something else to worry about.
Find something else to worry about.