Portfolio Help [Teacher]

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gtag
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Portfolio Help [Teacher]

Post by gtag » Sun Apr 07, 2013 4:16 pm

Hello again everyone,

I posted earlier regarding Investing Diversification Issue VG vs VG HC. I am looking for help and knowledge from you on my finance and portfolio situation. Here is my situation:

I have no debt.

I am 42 and have about 3 months emergency fund.

Tax filing status: Single

Fed tax rate: 25% Ohio state tax rate: 4.1%

I have money sitting in the VG PMM account waiting to invest in some sort of VG MF account.

I am a teacher in Ohio and will have a pension at about 77% of my last 5 years of salary when I retire.

I have maxed out my Roth IRA since I was 27 and I continue to max it out which at the current time I have 100% invested in the VG HC fund Admiral shares.

I have no 403b at present, as discussed in my other post, I am currently waiting to hear from my Treasurer if we can get VG as a vendor because the other vendors are insurance companies with way too high of fees.

I am not sure what other information you need. I wanted your knowledge and thoughts to what I need to do to improve my financial situation and what is suggested to reallocate my Roth IRA?

I am more a stock mutual fund person than a bond mutual fund person, however I am open for any and all suggestions.

My goal is to retire with 100% of pre retirement net income and be able to live comfortably. I appreciate any and all help.

Thank you (thanks for the help LadyGeek)
Greg
Last edited by gtag on Sun Apr 07, 2013 5:31 pm, edited 4 times in total.

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LadyGeek
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Re: Portfolio Help

Post by LadyGeek » Sun Apr 07, 2013 4:25 pm

Hi,

Here's the thread you mentioned: Investing Diversification Issue Vanguard vs VG HealthCare

Have you seen this thread? Asking Portfolio Questions - it's a list of everything that we need to help answer your questions. If you missed anything, just update post #1 (the Edit button in the top right corner) or post in this thread. If you don't understand a concept, just do the best you can and ask for help.

I also retitled your thread to get the attention of the members who can help you the best.
Wiki To some, the glass is half full. To others, the glass is half empty. To an engineer, it's twice the size it needs to be.

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nirvines88
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Re: Portfolio Help [Teacher]

Post by nirvines88 » Sun Apr 07, 2013 8:16 pm

gtag wrote:I have maxed out my Roth IRA since I was 27 and I continue to max it out which at the current time I have 100% invested in the VG HC fund Admiral shares.
This fund has undoubtedly done well, but I would consider diversifying away from just a single sector. You're basically betting on one segment of the market, rather than betting on the market as a whole. There may be a payoff in the future, but there could also be significant downside. I would opt for a total market fund, a target retirement date fund, or a LifeStrategy fund.

I would suggest posting your whole portfolio for more advice (see link posted by LadyGeek above).
"Beware of little expenses, a small leak will sink a great ship" - Poor Richard

gtag
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Re: Portfolio Help [Teacher]

Post by gtag » Sun Apr 07, 2013 9:41 pm

Nirvines88

I appreciate your reply and your knowledge. I am not sure what else I can post on my portfolio. I listed everything I have including percentages. The only thing I can go into more detail is the exact dollar amounts I have in my accounts, which I thought I read in the Portfolio Questions that it is not necessary to list. I would appreciate you listing anything else I need to list- I thought I have. Please any others comments and help are greatly needed. Thank you for all of your help.

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zebrafish
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Re: Portfolio Help [Teacher]

Post by zebrafish » Sun Apr 07, 2013 10:46 pm

You have an extremely NON-diversified portfolio if you are 100% in HealthCare sector. This is a large risk.

Suggest looking at Wiki regarding determining asset allocation and reading about the 3-fund portfolio.

Also, I highly suggest reading the Boglehead's Guide to Investing-- my local library had this. I think you will find it very worth your time.

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Re: Portfolio Help [Teacher]

Post by rfburns » Mon Apr 08, 2013 6:41 pm

+1 zebrafish
Health Care is a sector/slice of the total stock market. If you own TSM you own the Health Care sector. You could overweight that sector if you felt strongly about it, but our mentor teaches it would be foolish not to own the rest of the market first. Take the time to read some of the books mentioned and it will become clearer. One I always suggest is Mike Piper's excellent guide: http://www.amazon.com/Investing-Made-Si ... mike+piper

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Re: Portfolio Help [Teacher]

Post by gtag » Mon Apr 08, 2013 7:28 pm

Zebrafish,

Thank you for your advice. I understand what you are saying about the TSM Index and HC being in it. I will have to check this book out to get some more knowledge to help me along. Come on all Boggleheads any and all advice is welcome. I am getting great information keep it coming.

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Re: Portfolio Help [Teacher]

Post by LadyGeek » Mon Apr 08, 2013 7:38 pm

gtag wrote:...I am looking for help and knowledge from you on my finance and portfolio situation.
Since you asked... start reading the wiki: Getting Started and use it as a supplement to the book.

:!: Pay attention to the wiki section on Financial planning - investing is part of financial planning. IOW, you create a portfolio as a final step after everything else has been addressed.
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hoppy08520
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Re: Portfolio Help [Teacher]

Post by hoppy08520 » Mon Apr 08, 2013 7:58 pm

Before you write off the 403(b) plan, can you confirm that the expenses and choices are truly that bad? I'm not an expert, but when I google "ohio teacher 403(b)" the first hit is this page:

K-12 Educators - State Teachers Retirement System of Ohio

If you're a K-12 public school teacher, and this link is for your 403(b) plan, then it looks like you have excellent and low-fee index fund choices. The fund expenses are 0.2% which is excellent. I couldn't tell, however, if there's a assets-under-management fee on top of the fund fees, so let us know if you have additional information.

If this is not your plan, of if I'm misinterpreting or misunderstanding, can you give us an idea of what your choices are and what the fees are?

Even if you are in a bad plan for 20 years, the opportunity to make tax-deductible contributions is often still worth doing.

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nirvines88
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Re: Portfolio Help [Teacher]

Post by nirvines88 » Mon Apr 08, 2013 8:02 pm

gtag wrote:Nirvines88

I appreciate your reply and your knowledge. I am not sure what else I can post on my portfolio. I listed everything I have including percentages. The only thing I can go into more detail is the exact dollar amounts I have in my accounts, which I thought I read in the Portfolio Questions that it is not necessary to list. I would appreciate you listing anything else I need to list- I thought I have. Please any others comments and help are greatly needed. Thank you for all of your help.
My apologies, I just assumed you had a taxable account or some other funds in your Roth IRA for whatever reason. Can you post your 403b choices?

If this is your whole portfolio, I'll just echo what others have said: Diversify away from a single sector fund! If you hold a fund like Total Stock Market, a Target Retirement Date Fund, or a LifeStrategy fund, you will indeed own the healthcare sector, but you will also own all of the other sectors, which is essential if healthcare has a down period.
"Beware of little expenses, a small leak will sink a great ship" - Poor Richard

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Re: Portfolio Help [Teacher]

Post by gtag » Mon Apr 08, 2013 10:21 pm

Nirvines88

I appreciate your reply about the risks that go along with single sector funds. Therefore, I am looking at different strategies to minimize risk and maximize returns.

Right now in my taxable, I have 100% monies in the VG Prime MM account. I am trying to decide my best course of action to invest this money again to minimize risk and maximize returns.

As for my 403b, if I did not mention earlier, I am in the process of trying to get VG as a choice in our school district. I am waiting to see what are district treasurer tells me after her talking to VG. The other choices which are insurance companies have mostly inadequate choices or too high of fees. So, I will try to keep everyone posted.

Any other suggestions and advice from you or any other is greatly appreciated.

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sometimesinvestor
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Re: Portfolio Help [Teacher]

Post by sometimesinvestor » Mon Apr 08, 2013 10:26 pm

The index has about 11% of the total market capitalization in health care. Like you I believe that having more in health care is a good idea but as noted by others having 100% in healthcare is extremely imprudent . I have 16% and that may also be imprudent but is certainly less risky than your allocation.. An argument against overweighting a sector like healthcare is that yes, everyone knows that baby boomers are getting older and will need more healthcare but that is partly or fully reflected in current stock prices so there is less reason to think overweighting will work out well.

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Re: Portfolio Help [Teacher]

Post by gtag » Mon Apr 08, 2013 10:39 pm

Sometimesinvestor

Thanks for the advice. I have been told by a couple others in another post that the current fund prices of the HC fund are already worked in because of the growing need in HC due to the baby boom generation. So, this has made me think more on my current 100% position in the HC fund. I am looking over the other options of broad index funds that have a HC sector weighed into it. I appreciate your help please keep the suggestions coming in everyone do not forget to make suggestions for my taxable account and hopefully my 403b account that will have VG funds as choices.

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runner9
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Re: Portfolio Help [Teacher]

Post by runner9 » Tue Apr 09, 2013 5:40 am

hoppy08520 wrote:Before you write off the 403(b) plan, can you confirm that the expenses and choices are truly that bad? I'm not an expert, but when I google "ohio teacher 403(b)" the first hit is this page:

K-12 Educators - State Teachers Retirement System of Ohio

If you're a K-12 public school teacher, and this link is for your 403(b) plan, then it looks like you have excellent and low-fee index fund choices. The fund expenses are 0.2% which is excellent. I couldn't tell, however, if there's a assets-under-management fee on top of the fund fees, so let us know if you have additional information.
The link above is for the Ohio STRS. It has defined benefit (what OP and most are in) defined contribution and combined. A quick look at the link above reads that all the details mentioned are all about the latter two choices.

That said, to the OP: I STRONGLY recommended looking at http://www.ohio457.org I'm a K-12 Ohio teacher and have never heard it mentioned in my district. Similar to a 403b (pre-tax contributions) it has far lower fees that any 403b I could get it. Many vanguard funds, etc. Just call and ask if your eligible, they'll look up your employer and let you know, you probably are.

A great solution to get away from all the 403b options from insurance companies!

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Re: Portfolio Help [Teacher]

Post by TT » Tue Apr 09, 2013 6:44 am

"I am a teacher in Ohio and will have a pension at about 77% of my last 5 years of salary when I retire."

If it were I this would not be considered in totality of my retirement plan considering your current age.
There are considerable variables that may occur over time.

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Re: Portfolio Help [Teacher]

Post by gtag » Tue Apr 09, 2013 7:28 am

TT

Thank you for your reply. how would you base your retirement plan then and can you give me a few variables that you think would occur over time?

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Re: Portfolio Help [Teacher]

Post by TT » Tue Apr 09, 2013 1:56 pm

gtag wrote:TT

Thank you for your reply. how would you base your retirement plan then and can you give me a few variables that you think would occur over time?
gtag,

My point was that 20 - 25 years is a long time and many scenarios can unfold so I would not calculate:
"will have a pension at about 77% of my last 5 years of salary when I retire" this should not be an absolute as you are developing a long term retirement plan IMO.

For Example
What could unfold when funding for state pensions is not economically feasible at the current level?

http://www.thefiscaltimes.com/Articles/ ... aspx#page1
http://www.governing.com/blogs/by-the-n ... ealth.html


Look at the Public sector:

http://www.pensionrights.org/publicatio ... sion-plans

State Pensions:

http://www.statebudgetsolutions.org/cat ... detail.asp


Better to plan for less and have more than Vice Versa
Hope this is helpful

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runner9
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Re: Portfolio Help [Teacher]

Post by runner9 » Tue Apr 09, 2013 2:06 pm

Just a few years ago it was 30 years and 66% of final salary's highest 3 year average. Now it's 35 years and 77% of salary's highest 5 year average.

Again, though, please look at the Ohio 457 plan, with ERs as low as 0.04.

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Re: Portfolio Help [Teacher]

Post by dbr » Tue Apr 09, 2013 3:19 pm

gtag wrote:TT

Thank you for your reply. how would you base your retirement plan then and can you give me a few variables that you think would occur over time?
You could get fired/laid off; you could become disabled; you could meet someone and move somewhere else with them; you could get fed up and change careers, etc. etc. etc. Calculating what the pension outcome might be in all those cases could be worth doing.

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Re: Portfolio Help [Teacher]

Post by gtag » Tue Apr 09, 2013 6:27 pm

Dbr and TT

I understand what both of you are saying. I have had concerns about knowing exactly what I will be receiving at the time of my retirement. Due to the factors you have brought up, I probably will have to have more ready for retirement personally than counting on a certain amount in my pension.

What do you guys suggest for a portfolio plan and the percentages to put in the portfolio?

Thanks again.

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Re: Portfolio Help [Teacher]

Post by gtag » Tue Apr 09, 2013 6:32 pm

Runner9

I definitely agree with you on the state changing the retirement pension plans for Ohio teachers and I am sure it will not be the last. I was not aware that Ohio had a 457 plan for teachers. I will definitely have to do research on this. How did you find out about this? Is this for Ohio teachers? Thanks for the info, it is appreciated.

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runner9
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Re: Portfolio Help [Teacher]

Post by runner9 » Tue Apr 09, 2013 6:42 pm

My wife teaches at an Ohio public college. In her benefit/health insurance packet in December it had a page, half describing the Ohio 457 plan. Based on that I researched them and then called to ask if my K-12 district was automatically a part of it. They said not automatically, what district is it...wait 5 seconds and yes I could also join.

We've joined in my wife's name only, first deduction is first paycheck more than 30 days after paperwork submitted; so first deduction is this Friday.

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Re: Portfolio Help [Teacher]

Post by LadyGeek » Tue Apr 09, 2013 6:45 pm

gtag wrote:I was not aware that Ohio had a 457 plan for teachers. I will definitely have to do research on this. How did you find out about this? Is this for Ohio teachers? Thanks for the info, it is appreciated.
The wiki can help from this perspective: 457-b, which goes to Links to 457-b Plans --> Ohio Public Employees 457 Plan
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Re: Portfolio Help [Teacher]

Post by bornloser » Tue Apr 09, 2013 6:48 pm

Many good recommendations re. diversification. I would add kudos to contributing yearly to a Roth. I would also echo the strong recommendation that you shelter monies with either a 403b and/or 457 and continue to lobby for more 403b choices. I am not a teacher but have been in several educational institutions with 403bs and I am familiar with the cozy relationships they traditionally have with insurance companies (Valic, etc.). Is TIAA-Cref one of the options?

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Re: Portfolio Help [Teacher]

Post by gtag » Tue Apr 09, 2013 8:10 pm

Runner9

I will have to definitely check into this. I have started to already by going to their website. Please let me know how it goes with your first deduction. That was going to be my next few questions: How soon do they set up the withdrawal from your paycheck? Was there a lot of paper work for your Treasurer or HR dept or whoever takes care of your 403b set up? Do they have good customer service? Obviously this next question you will not know personally, but have you heard any news on how reliable they are when it is time for them to distribute the money to the retiree? Please keep me informed.

LadyGeek,

Thanks for the links I will definitely check them out.

Bornloser,

Thank you for the kind words about contributing yearly to my Roth- I am continuing to try to improve my current and future financial situation. I am continuing to look for the best overall options to my financial situation(i.e. more diversification?) and to get as much knowledge and ideas from posters like you and the others who have commented and given me many things to research and think about. I am trying extremely hard to get a credible 403b program to our school district where it is going to try to benefit us teachers as much as possible versus the insurance sales people- nothing personally against them (they are just trying to earn a living- hopefully not off of me). Like everyone else, just trying to get the best bang for my buck and trying to help along fellow teachers in our school district. I went to the 403b wise website and explained to the posters there that I was originally trying to find companies who offered a Roth 403b option along with the Traditional 403b option. I had some leads with Fidelity, T Rowe Price, and Tiaa-Cref for they all offered Roth 403b/403b options and they are credible low cost vendors in a 403b plan (obviously not to the standards of VG but very credible). Any how no luck with any of them. T Rowe Price does not offer 403bs any more according to the rep I talked to on the phone. The reps from Fidelity and Tiaa-Cref told me that they need special conditions like a certain amount of teachers in the plan 10 or more approximately, $1,000,000 in assets combined transferred from everyone involved, and/or $250,000 invested per year combined from the teachers. We definitely could not meet these circumstances for we are a small district and would not be able to possibly meet the dollar amounts. Sorry for the long-winded response, but I just wanted you and the rest of the posters to see where our school district stands at this point in time. Thus, the last two options are Vanguard whom our treasurer directly needs to contact them to get details and I have not heard anything at this point in time but hope to any day. The second choice is the "blind-side"(a good thing for sure) given to me by Runner9 who mentioned to me this evening that Ohio has a 457/403b plan offered to public employees. So, I am currently checking out this option for it looks as if it has some very good choices from a first glance. I need to research more details. Thanks to everyone so far, please keep the advice and knowledge coming I am getting very good suggestions for me to research.

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Re: Portfolio Help [Teacher]

Post by gtag » Tue Apr 09, 2013 9:03 pm

Hoppy08520,

Sorry I was reading back through the posts and missed your post. I looked at the STRS website i am not eligible because I started before 2001. The 403b plans Our school district offers are many insurance companies- too many to list. However, we had a new company come and speak to our district a couple of months ago. It was Horace Mann investments who basically offered annuities, but they did offer mutual funds through American funds- A class shares. This means a declining investment front end load fee scale starting at 5.75% however it does have a fairly reasonable expense ratio with descent returns. They do offer a Roth 403b option to boot along with the traditional 403b route. I just can not bring myself to pay a load first and invest less than 100% of my initial money in an investment option (it is pay yourself first not pay the salesman first). I just can not do it. Any way, as I posted earlier, we are now down to inquiring about VG being available or this latest option of the Ohio 457 plan for public workers brought to my attention by Runner9 (thanks again Runner!). Thanks for your advice and any more information is definitely welcome.

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Re: Portfolio Help [Teacher]

Post by gtag » Wed Apr 10, 2013 6:00 pm

Hello everyone,

I called the Ohio Deferred Benefit plan. I have got the ball rolling they are going to send enrollment papers to my school treasurer. So, we will have a 457b program. Some interesting information I found out today. As long as any k-12 teacher wants to enroll in the Ohio Deferred Benefit plan, they must be allowed this is Ohio law according to the sales rep. The school treasurer, HR dept, or whomever deals with payroll needs to get it approved by the board of education and send in the paperwork to the ODB agency. The investment choices offered by them are very good and all below 1 % expense ratio. So, I will just have to wait for the paperwork to come in. Thanks again everyone especially Runner9 who first suggested this. I definitely would have never known.

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Re: Portfolio Help [Teacher]

Post by runner9 » Wed Apr 10, 2013 8:02 pm

You're quite welcome! Glad I was able to help someone, as so many have helped me here:)

When we signed up we did the online application that it says takes 20 minutes where you pick the investments you want right then.

It took me about 15 minutes. (I had previously picked a fund that was institutional of something we own in investor shares in a Roth.) Most of the app time was spent figuring out what my wife makes, etc which is wanted I think to make sure we weren't putting in more than she makes. Her school was listed from the choices in the part to pick your employer.

In the 30+ days since we've gotten a confirmation letter stating how much will be deducted and what day it will start. Separately we've gotten the prospectus for the fund we selected. We don't believe we've gotten anything from my wife's employer or any other mailings.

Signed up for online access earlier this week, I will keep you posted on how long from the paycheck date until deposit.

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Re: Portfolio Help [Teacher]

Post by gtag » Wed Apr 10, 2013 8:28 pm

Runner9,

Please do keep me updated on how the whole process is working out. I will do the same.

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Re: Portfolio Help [Teacher]

Post by runner9 » Sat Apr 13, 2013 7:12 am

Yesterday was payday: contribution bought share at yesterday's closing price and appear as a balance this morning. I don't think it could be any faster than that! Only wierd to thing is it shows the number of shares balance to 8 spots past the decimal point.

Saivng on taxes already: ( deposited $631, paycheck was only $511 less)

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Re: Portfolio Help [Teacher]

Post by gtag » Sat Apr 13, 2013 8:32 am

Runner9

Thanks for keeping me updated- So it seems like everything went smooth that is great! My situation is this: I received my packet from Ohio Deferred Compensation (ODC) yesterday (so I am assuming that if my district did not receive it yesterday, as well. I would assume they will get it no later than Monday, since it was sent out at the same time). In the packet that ODC sent me yesterday, they had a quarterly pamphlet in the packet. If you did not know, there is more great news! It stated that the VG Instutional Shares Index were going to improve to the VG Instutional Shares Index Plus, which means the expense ratio moves down from .04% to .02%. Also, the VG Small Cap Institutional Index is improving to the VG Small Cap Institutional Index Plus, which means the expense ratio moves down from .08% to .06%. Finally, they said they were replacing the Dodge and Cox Balanced Fund to their LifePath Portfoios due to having the same investment strategy with less expense ratio. I would just hope in the future they maybe able to add a few more funds for some more diversity (hopefully, VG funds). I will be meeting with the district staff this Thursday to let them know that this will be an option for them soon (hopefully things run quickly and smoothly with our Treasurer and Board to approve this plan asap). Again, I appreciate you alerting me to the ODC option for I do not know how long, if ever, I would have found out about this. Keep me updated and I will do the same.

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Re: Portfolio Help [Teacher]

Post by runner9 » Sat Apr 13, 2013 8:53 am

Thanks for the update as well. Interesting, we picked Small Cap Index (VSCIX) which is listed as ER of 0.08 on the vanguard.com site and .14 in the Ohio 457 performance report from 12/31/12. Back and forth several times with Ohio 457 and Vanguard my best guess based on all answers is that vanguard changed the ER since January to .08 and an investment with Ohio 457 mirrors the exact ticker VSCIX. Vanguard was unable to tell me if the ER changed, etc.

Can I ask out of curiousity since you have to work with your district to get this: do you work for a small district, medium sized, rural, suburban, large urban? Just curious that it's not already set up. Feel free to PM or not answer if you prefer.

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Re: Portfolio Help [Teacher]

Post by gtag » Sat Apr 13, 2013 6:23 pm

Runner9

I sent PM

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