Search found 14742 matches

by pkcrafter
Tue May 04, 2021 8:30 pm
Forum: Personal Investments
Topic: investment choices
Replies: 18
Views: 880

Re: investment choices

Hi again, Thanks, Exodus, If anything I post is publicly visible, and I write what is recommended to reveal about my accounts, how do I protect myself? I am not that computer savvy. Hi Sahra, I copied your post by looking it and then clicking on the quote icon in the upper right corner. Here is an ...
by pkcrafter
Tue May 04, 2021 4:05 pm
Forum: Personal Investments
Topic: investment choices
Replies: 18
Views: 880

Re: investment choices

Sahra, lakpr has provided solid Boglehead advice, and I will just focus one item-- 500k in stocks in Fidelity, mainly Apple What percent of total assets is in Apple? As stated above, 100% in stock is risky for a retiree, and a substantial amount in one stock is more risky--unless your needed withdra...
by pkcrafter
Tue May 04, 2021 11:10 am
Forum: Personal Investments
Topic: Index ETF’s vs Index Mutual Funds
Replies: 18
Views: 1330

Re: Index ETF’s vs Index Mutual Funds

Is there a consensus or preference of one type of fund (ETF) over the other (Mutual)? For a retired individual, is there a tax advantage between the two? A definite value I see is the immediate buy / sell capability for ETF’s A definite value? John Bogle didn't think so... From 2012 Vanguard Group ...
by pkcrafter
Mon May 03, 2021 12:57 pm
Forum: Personal Investments
Topic: What do people think of Targeted Employee Retirement Funds Instead of 2/3 Funds Schemes?
Replies: 7
Views: 734

Re: What do people think of Targeted Employee Retirement Funds Instead of 2/3 Funds Schemes?

Hi Those of us in larger corporations have access to targeted retirement funds for our 403B and 457B funds. A fund looks like this https://myucretirement.com/Managed/Assets/File/1539028519/UC%20PATHWAY%202050.pdf They are rather odd because its targeted for 2050-2055 Thoughts on the quality of thes...
by pkcrafter
Sun May 02, 2021 8:15 pm
Forum: Investing - Theory, News & General
Topic: Motley Fool Stock Advisor
Replies: 15
Views: 1597

Motley Fool Stock Advisor

Anyone know about Motley Fool Stock Advisor? Claim: Stock Advisor's recommendations have beaten the market over the past 18 years by staying true to our investing philosophy. We believe your best chance to succeed in the stock market is to buy at least 15 stocks and hold them for at least 5 years. S...
by pkcrafter
Sun May 02, 2021 8:00 pm
Forum: Personal Investments
Topic: What is the average historic P/E for US REIT Index?
Replies: 9
Views: 815

Re: What is the average historic P/E for US REIT Index?

Here is some information--

https://www.macrotrends.net/stocks/char ... e/pe-ratio

Problem with finding P/E is probably due to the fact that there are two kinds of REITS

https://www.fool.com/investing/general/ ... -reit.aspx

Paul
by pkcrafter
Sun May 02, 2021 10:33 am
Forum: Personal Investments
Topic: Schwab SWTSX vs SWPPX
Replies: 5
Views: 542

Re: Schwab SWTSX vs SWPPX

Welcome to the forum, Hi newbie here for advice, had previous investments in Target Date funds (non-index and other acct types) and I’m stuck in the planning phase. Age: late 30’s, married 2 small kids

 Desired Asset allocation: 90% stocks / 10% bonds
Desired International allocation: 10% of stock...
by pkcrafter
Sun May 02, 2021 10:00 am
Forum: Personal Investments
Topic: Okay, NOW is the time to balance my portfolio
Replies: 11
Views: 1568

Re: Okay, NOW is the time to balance my portfolio

Techie, can I shuffle around without a tax impact (like a 401k)? Yes, you could. Both the profit sharing plan and the cash balance plan are tax-deferred like an IRA, but you may not have any control on the assets in those accounts. Profit sharing plan https://www.thebalance.com/profit-sharing-plan-2...
by pkcrafter
Sat May 01, 2021 7:13 pm
Forum: Personal Investments
Topic: Harry Sit’s Advice-Only Financial Website Question
Replies: 6
Views: 690

Re: Harry Sit’s Advice-Only Financial Website Question

Hello All, Has anyone used Harry Sit’s Advice-Only Financial dot com website to find an advisor ? Major life changes here and have 450k cash to invest...and probably need to find an advisor. 58 yo recently retired with. 950k in a 401k (2015 Target Fund) 120k Roth IRA (Wellesley Fund) No debt Any in...
by pkcrafter
Sat May 01, 2021 9:53 am
Forum: Personal Investments
Topic: Asset Allocation - 12 years to go
Replies: 6
Views: 781

Re: Asset Allocation - 12 years to go

VTI - 56% VXUS - 14% BND - 15% Cash earning 2.35% - 15% I am only 70% equities - is that high enough? Already on state govt pension - not eligible for social security Welcome, Not really enough information. If you are retired, your 70% equity allocation would be considered high, but it depends on t...
by pkcrafter
Sat May 01, 2021 9:25 am
Forum: Personal Investments
Topic: How can I be sure that I have found ALL the 401(k) fees?
Replies: 7
Views: 672

Re: How can I be sure that I have found ALL the 401(k) fees?

It sounds like your 401k fees are reasonable. You can read this article to insure you've found everything. https://www.dol.gov/sites/dolgov/files/EBSA/about-ebsa/our-activities/resource-center/publications/a-look-at-401k-plan-fees.pdf Also, someone at the company would have the job of plan administr...
by pkcrafter
Fri Apr 30, 2021 6:11 pm
Forum: Personal Investments
Topic: Mitigating SORR
Replies: 40
Views: 2400

Re: Mitigating SORR

SORR - sequence of return risk. As we approach retirement we planning on upping the cash in our AA to help offset SORR. We are fully invested in Target 2025 and have been for a bazillion years. What TR fund are you holding. What are the allocations? What will your initial withdrawal rate be? In ord...
by pkcrafter
Fri Apr 30, 2021 11:33 am
Forum: Personal Investments
Topic: Friend's Father's Financial Advisor - 100% Bonds Last 10 Years
Replies: 42
Views: 5253

Re: Friend's Father's Financial Advisor - 100% Bonds Last 10 Years

ef11 wrote: What in the world is going on here? This seems like complete mismanagement of client's money. He apparently has over $100 MM in assets he manages in this manner...I'm blown away. Are you saying friend's father has 100 million in assets, or are you saying the advisor has 100 million in cl...
by pkcrafter
Fri Apr 30, 2021 11:01 am
Forum: Personal Investments
Topic: Best Stock Exchange/Broker To Invest For Beginner?
Replies: 37
Views: 3489

Re: Best Stock Exchange/Broker To Invest For Beginner?

Okay so to make things simple, I'm an American that resides outside the US most of the year but I do come and visit the US a few times a year. But I want to be able to use it outside the US. Now, I heard about stocks for years. I never looked into it because I heard you can't make much money from i...
by pkcrafter
Thu Apr 29, 2021 6:12 pm
Forum: Personal Investments
Topic: Transferring to another brokerage
Replies: 22
Views: 1598

Re: Transferring to another brokerage

I realize those are horrible funds, unfortunately I didn't know much about investing until I found this forum just recently. Thank you for the suggestion. Would this be the type of fund I have to transfer over to? Or could I basically add a couple others on top of this? I'm still not certain how tr...
by pkcrafter
Thu Apr 29, 2021 1:50 pm
Forum: Personal Investments
Topic: Transferring to another brokerage
Replies: 22
Views: 1598

Re: Transferring to another brokerage

I realize those are horrible funds, unfortunately I didn't know much about investing until I found this forum just recently. Thank you for the suggestion. Would this be the type of fund I have to transfer over to? Or could I basically add a couple others on top of this? I'm still not certain how tr...
by pkcrafter
Thu Apr 29, 2021 9:37 am
Forum: Personal Investments
Topic: Transferring to another brokerage
Replies: 22
Views: 1598

Re: Transferring to another brokerage

Toot, a closer look at the two funds you hold show they are both class C funds, meaning they carry an ongoing load (commission) and create expense ratios of 1.77 and 1.70%. They are both balanced funds meaning they hold stocks and bonds, and the components are not tax efficient. Both funds are absol...
by pkcrafter
Wed Apr 28, 2021 12:28 pm
Forum: Personal Investments
Topic: Which Brokerages Offer Good Perks for High AUM?
Replies: 24
Views: 2189

Re: Which Brokerages Offer Good Perks for High AUM?

What are the fees associated with investing through BofA?

Paul
by pkcrafter
Wed Apr 28, 2021 12:11 pm
Forum: Personal Investments
Topic: Transferring to another brokerage
Replies: 22
Views: 1598

Re: Transferring to another brokerage

I am soon finally getting out of my Prudential accounts and am moving to another brokerage. I am definitely considering Vanguard as the fees are very low and no load BS to deal with. My question is... All I want to do is move 55k (cash that is currently invested in Prudential funds) over to a Vangu...
by pkcrafter
Tue Apr 27, 2021 10:05 pm
Forum: Personal Investments
Topic: Comments Please on Cardiff Park Advisors
Replies: 13
Views: 1033

Re: Comments Please on Cardiff Park Advisors

+1 to Baba Wawa's post above. Boomer543, I don't see why you need an advisor at all. Put assets into funds like target date funds, or lifestrategy funds or stock/bond balanced funds and you won't have to do anything. Maybe shoot for an asset allocation of about 40% stock, which is enough to cover no...
by pkcrafter
Tue Apr 27, 2021 10:56 am
Forum: Personal Investments
Topic: Market correction
Replies: 36
Views: 5161

Re: Market correction

There are some great replies in this thread, (cyclingduo!) and it should be marked for future reference. What do you think, Thyrsis? The problem with jumping out of the market is, first, you know it's not recommended, but some do jump out and then, since they made a tough decision, they are hesitant...
by pkcrafter
Mon Apr 26, 2021 4:30 pm
Forum: Personal Investments
Topic: Roth IRA In-Kind Transfer Question
Replies: 3
Views: 337

Re: Roth IRA In-Kind Transfer Question

Currently in the process of doing a Roth IRA in-kind transfer. Curious if the consensus play is to sell off all ETF assets currently held at the other institution and funnel all money into a Vanguard Mutual Fund, or just keep all current ETF holdings as-is and just make all future contributions go ...
by pkcrafter
Sun Apr 25, 2021 8:48 am
Forum: Personal Finance (Not Investing)
Topic: How do you stop moving your goalpost ?
Replies: 88
Views: 7668

Re: How do you stop moving your goalpost ?

I'm talking about retirement readiness here. For a couple years running, I hit what I think is a reasonable number, knowing I have a pretty good handle on my retirement expenses. 58, pension coming, and SS at 70. I'm looking at a 4% draw for ages 58-70 and less than 2% after 70. I just can't seem t...
by pkcrafter
Sat Apr 24, 2021 10:34 am
Forum: Personal Investments
Topic: Bogleheads won't you ease my Worried Mind
Replies: 5
Views: 1839

Re: Bogleheads won't you ease my Worried Mind

NoviceNelly, I've read all your posts and it's difficult to get a good picture of where you are and what you plan to do. As to what you plan to do, it doesn't sound like you have a solid plan yet. Consider all accounts as one portfolio. I've recently opened a 403b and a 457. You just recently opene...
by pkcrafter
Fri Apr 23, 2021 9:34 am
Forum: Personal Investments
Topic: Asking for feedback about my current investing plan & percentage of monthly income invested
Replies: 9
Views: 924

Re: Asking for feedback about my current investing plan & percentage of monthly income invested

Welcome to the forum, Hi, I am a 26 year old Belgian who started investing in late 2019, didn't know what I was doing but I just bought a lot of coca cola, visa, johnson & johnson etc. The march 2020 crash spooked me out and I pulled out my money when I broke break even so I lost the potential ...
by pkcrafter
Thu Apr 22, 2021 7:43 pm
Forum: Investing - Theory, News & General
Topic: Mutual Fund Costs
Replies: 4
Views: 724

Mutual Fund Costs

If you are new to investing, read this article about cost/fees.

https://www.resourceconsulting.com/PDFs ... 20Fees.pdf


Paul
by pkcrafter
Thu Apr 22, 2021 7:41 pm
Forum: Personal Investments
Topic: 401k questions
Replies: 12
Views: 1167

Re: 401k questions

Thank you, if there were loads, I assume it would say something like "Sales Charge" or somewhere there would be a "Back" "Front" indication under where the rest of the fees are listed? Nope. Loads are cleverly hidden. Example: if you stated new and bought just one A cl...
by pkcrafter
Thu Apr 22, 2021 11:39 am
Forum: Personal Investments
Topic: 401k questions
Replies: 12
Views: 1167

Re: 401k questions

So I posted a different thread about my Prudential advisor and fee's were discussed a lot, which got me thinking about my 401k with my employer through VOYA. Over the years I have changed my elections multiple times (at least 4) to different funds. I usually have a 3 to 4 fund portfolio, and since ...
by pkcrafter
Wed Apr 21, 2021 2:52 pm
Forum: Personal Investments
Topic: Personal Finance Advisor - how to find
Replies: 19
Views: 2056

Re: Personal Finance Advisor - how to find

A review and recommendations will probably cost ~$400-$500. Paul $400-$500 Total? This seems very low. Allan Roth charges that for one hour. I think I recall that a typical client might need 8-10 hours, but that might be a faulty memory. I am sure that you can find advise for less per hour. But unl...
by pkcrafter
Wed Apr 21, 2021 12:24 pm
Forum: Personal Investments
Topic: Personal Finance Advisor - how to find
Replies: 19
Views: 2056

Re: Personal Finance Advisor - how to find

Rick Ferri is good, but I don't think he's taking on new clients right now. Here's some help on finding an advisor https://investingroadmap.wordpress.com/2011/02/22/chapter-10-on-your-own-or-hire-an-advisor/ Garrett Financial Network https://www.garrettplanningnetwork.com/ A review and recommendatio...
by pkcrafter
Wed Apr 21, 2021 11:33 am
Forum: Personal Investments
Topic: Taxable account - index funds vs. mutual funds
Replies: 5
Views: 543

Re: Taxable account - index funds vs. mutual funds

Welcome to the forum, Okay so for easy numbers, let's say you invest 100k in something like a FZROX - total market zero cost mutual fund in a TAXABLE brokerage account. MY REAL QUESTION IS... I started investing a couple of months ago, I purchased FZROX because of the no costs. However, as I am lea...
by pkcrafter
Wed Apr 21, 2021 10:46 am
Forum: Personal Investments
Topic: Taxable account - index funds vs. mutual funds
Replies: 5
Views: 543

Re: Taxable account - index funds vs. mutual funds

Welcome to the forum, Okay so for easy numbers, let's say you invest 100k in something like a FZROX - total market zero cost mutual fund in a TAXABLE brokerage account. MY REAL QUESTION IS... I started investing a couple of months ago, I purchased FZROX because of the no costs. However, as I am lea...
by pkcrafter
Wed Apr 21, 2021 10:02 am
Forum: Personal Investments
Topic: Bull Market in Bond
Replies: 52
Views: 5868

Re: Bull Market in Bond

TINA - there is no alternative :shock:

https://www.barrons.com/articles/tina-i ... 1593429300

Going all stocks because you don't like bonds right now is not a good plan.


Paul
by pkcrafter
Tue Apr 20, 2021 4:32 pm
Forum: Personal Investments
Topic: Lots of mess ups - time to clean-up retirement planning
Replies: 20
Views: 2256

Re: Lots of mess ups - time to clean-up retirement planning

Hello all, Hello and welcome to the forum, Very new to this community & I thank you in advance for the guidance you can provide. For background & why I'm here - we've listened to some bad financial advice in the past that I think didn't set us up for success & I feel have made our inves...
by pkcrafter
Tue Apr 20, 2021 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Personal liability for filing complaint for financial adviser?
Replies: 51
Views: 4366

Re: Personal liability for filing complaint for financial adviser?

Let's talk money, Regarding the advisor, you can either file a complaint and move on, or just move on. You must take control of investments because it's your mom's money and no one is going to help her more than you. Learning how to invest properly will also pay off for you as well. So, your next st...
by pkcrafter
Tue Apr 20, 2021 10:08 am
Forum: Personal Investments
Topic: Help with selecting 401(k) funds
Replies: 36
Views: 1927

Re: Help with selecting 401(k) funds

Hi Everyone, Welcome to the forum, I'm trying to get more organized with my investments. I'm getting hung up on how to best allocate my 401(k) alongside my Roth IRA and Brokerage Account. I also have noticed that many of the funds in the 401(k) have high expense rations. I have trouble understandin...
by pkcrafter
Mon Apr 19, 2021 12:30 pm
Forum: Personal Investments
Topic: Portfolio suggestions- simplifying and how to think of pension
Replies: 10
Views: 1127

Re: Portfolio suggestions- simplifying and how to think of pension

Hi all- I believe we 'have enough' with about 25x our annual income needs (including taxes and excluding pension). Instead, I hope to learn from others how to simplify for the future, and better understand how to think about our pension. Questions: 1. A major goal is to simplify things to the point...
by pkcrafter
Sun Apr 18, 2021 10:11 pm
Forum: Investing - Theory, News & General
Topic: Beginning to evaluate the holdings of Vanguard Target Retirement Funds
Replies: 138
Views: 8815

Re: Beginning to evaluate the holdings of Vanguard Target Retirement Funds

Flashes, perhaps you are overthinking this. Target date funds hold world stock and bond allocations and many investors opt for them because of the auto rebalancing and increasing bond allocation. They are an optional choice. If you don't like the variable asset allocation, you can use Lifestrategy f...
by pkcrafter
Sun Apr 18, 2021 8:13 pm
Forum: Investing - Theory, News & General
Topic: Tax Efficiency: Stocks vs. Bonds
Replies: 12
Views: 1318

Re: Tax Efficiency: Stocks vs. Bonds

Welcome to the forum,

Bogleheads recommend placing investments with highest potential return in Roth. Here is some information from our Wiki.

https://www.bogleheads.org/w/index.php? ... arch&go=Go


Paul
by pkcrafter
Sun Apr 18, 2021 6:08 pm
Forum: Personal Investments
Topic: Poor performing portfolio
Replies: 73
Views: 8174

Re: Poor performing portfolio

2020 beginning balance: $456,426, new money invested: $20,700, current balance as of today: $477,230, net gain: $104 An update.. what a difference a few months makes... my current balance as of today in the same account is sitting at $698,000 :shock: In the last 8 months my taxable has gained +46% ...
by pkcrafter
Sun Apr 18, 2021 1:09 pm
Forum: Personal Investments
Topic: Horrible market timer, looking to become a boglehead
Replies: 15
Views: 2040

Re: Horrible market timer, looking to become a boglehead

Welcome, HMT. All accounts marked for retirement are considered parts of one account. See the link to the 3-fund portfolio above. Here is information on taxable account investing. https://www.bogleheads.org/wiki/Tax-efficient_fund_placement Getting started https://www.bogleheads.org/wiki/Getting_sta...
by pkcrafter
Sun Apr 18, 2021 12:23 pm
Forum: Personal Investments
Topic: Fido Separately Managed Accounts
Replies: 12
Views: 1709

Re: Fido Separately Managed Accounts

Do you understand separately managed accounts?

https://www.magnifymoney.com/blog/inves ... gedaccount

Paul
by pkcrafter
Sat Apr 17, 2021 12:49 pm
Forum: Personal Investments
Topic: Portfolio Review - Passive Investor For Too Long
Replies: 5
Views: 922

Re: Portfolio Review - Passive Investor For Too Long

Welcome, Thomas, You used the term "passive" in your title and to Bogleheads it means using index funds instead of actively managed funds. Hi guys - Been a passive investor for too long concentrating on earning the money rather than taking an active role in the investment choices. Had a FA...
by pkcrafter
Sat Apr 17, 2021 12:04 pm
Forum: Personal Investments
Topic: Financial Samurai Blog -Passive Income Portfolio - is this guy legit or am I going off track?
Replies: 67
Views: 16702

Re: Financial Samurai Blog -Passive Income Portfolio - is this guy legit or am I going off track?

Hi, Recently I came across a blog post by the financial sumurai on his passive income portfolio and alternative investments. As part of my follow up into what he wrote, I wanted to ask everyone here their thoughts and opinions. I have 200k in my 3 fund and a 100k CD maturing this year (29 yrs old)....
by pkcrafter
Sat Apr 17, 2021 10:01 am
Forum: Personal Investments
Topic: VSMGX Bedfellow Options
Replies: 4
Views: 327

Re: VSMGX Bedfellow Options

Greetings- I finally made a decision and moved all(most) of my assets into the VSMGX fund (approx. 352T, but I have my inherited beneficiary still sitting there. Is VSMGX in a tax-advantaged account? How about Wellington? Both funds are 60% stock, but they have different strategies. Is 60% stock wh...
by pkcrafter
Fri Apr 16, 2021 7:49 pm
Forum: Personal Investments
Topic: Market Timing Change
Replies: 57
Views: 3976

Re: Market Timing Change

This seems like an odd outcome for a story that started with the intention of reducing risk related to a downturn, since the OP has now actually increased his risk and not avoided the downturn he feared. :shock: Maybe befuddled is the word I'm looking for. Regards, +1 :confused Peddler, I don't thi...