Search found 14678 matches

by pkcrafter
Sat Apr 10, 2021 10:00 am
Forum: Personal Investments
Topic: VWAHX
Replies: 4
Views: 313

Re: VWAHX

VWAHX: In the combined 28% tax bracket, is this fund worth the risk given its return? Despite the rise in rates it seems to have outperformed other Vanguard tax exempt funds despite it longer duration. Is the inherent risk worthwhile given its past performance? Thanks You will have to decide on the...
by pkcrafter
Sat Apr 10, 2021 9:22 am
Forum: Personal Investments
Topic: Best passive besides dividends?
Replies: 8
Views: 1128

Re: Best passive besides dividends?

I'm 19 and am familiar with investing. I mostly trade and sell but I was wondering if there is a better more profitable way to make money than dividends? Welcome to the forum. How did you happen to find out about Bogleheads? Dividends are part of total return, and total return is what you should fo...
by pkcrafter
Fri Apr 09, 2021 11:08 pm
Forum: Personal Investments
Topic: Life Savings in Cash--Need Advice
Replies: 15
Views: 2299

Re: Life Savings in Cash--Need Advice

Here’s my situation… I have 523K in cash. 65K in 403b 65K in Roth IRA 393K in bank. (House paid for; 200K value) Age 45; could retire at 56, but will work longer if healthy. Salary 75K; 0 debt. 1K month expenses; very frugal. I feel like a total dummy for missing the greatest bull market in history...
by pkcrafter
Fri Apr 09, 2021 8:25 pm
Forum: Personal Investments
Topic: AA - Too conservative?
Replies: 27
Views: 2505

Re: AA - Too conservative?

After reading All about asset allocation by Richard Ferri 6 years ago I decided to set my asset allocation to 70% stocks and 30% bonds. I can’t recall exactly how I landed on this and now I’m questioning it. I’m currently 36 married with kids and have about $1m in retirement savings. With the run u...
by pkcrafter
Fri Apr 09, 2021 6:06 pm
Forum: Personal Investments
Topic: Sanity Check - Factor Portfolio Review
Replies: 14
Views: 1004

Re: Sanity Check - Factor Portfolio Review

Is there a forum anyone can recommend where they discuss factor portfolios? Thanks! I think now that you have changed the title you will get more replies. My thought is you seem to understand what you are doing and you have a plan, so just stay with it. There are Bogleheads who invest in factors, s...
by pkcrafter
Thu Apr 08, 2021 8:29 pm
Forum: Personal Investments
Topic: Help! Vanguard lost my money in a 403b trustee transfer
Replies: 9
Views: 1626

Re: Help! Vanguard lost my money in a 403b trustee transfer

Hello! I initiated a transfer from an old employees 403b to my new employer’s 403b. Both are at vanguard and are managed by Newport group. Both managed by Newport, but both were already at Vanguard? What are the names/tickers of the funds you tried to transfer? If the funds where something other th...
by pkcrafter
Wed Apr 07, 2021 9:25 am
Forum: Personal Investments
Topic: How should I invest cash just sitting in the bank?
Replies: 27
Views: 3976

Re: How should I invest cash just sitting in the bank?

Hello again :sharebeer William, you've been given several ideas, but let's make sure we are all on the same track . :happy Everyone is helping me conquer retirement, so now I'm onto general investment. I'm not sure what "general investment" means. You should have an emergency fund that is...
by pkcrafter
Tue Apr 06, 2021 12:09 pm
Forum: Personal Investments
Topic: Financial advisor help
Replies: 22
Views: 2040

Re: Financial advisor help

Welcome, rabma00 You've found Bogleheads and a lot of your questions can be answered by members who have knowledge and experience in the areas you are interested in, plus there is a lot of information in our Wiki. So, you might take each question one at a time. Hi, My wife and I have gone down the f...
by pkcrafter
Mon Apr 05, 2021 2:23 pm
Forum: Personal Investments
Topic: 403b fund picks and percentage to put in large and mid cap?
Replies: 5
Views: 404

Re: 403b fund picks and percentage to put in large and mid cap?

Welcome,

Here's a link to help you get started. Also, the performance of S&P 500 and total stock market are very close.

https://www.bogleheads.org/wiki/Approxi ... ock_market

Consider all accounts as parts of one portfolio and keep bonds out of Roth.


Paul
by pkcrafter
Mon Apr 05, 2021 10:48 am
Forum: Personal Investments
Topic: Financial advisor advice
Replies: 9
Views: 1281

Re: Financial advisor advice

Welcome to the forum. Please clarify a few things, Hi all, We are relatively new to investing so please be kind. We have a financial advisor we got through wci.com. WCI--do you mean White coat investor? If yes, did you get the advisor through Physician Financial Services? Did they set you up with l...
by pkcrafter
Sun Apr 04, 2021 11:17 am
Forum: Personal Investments
Topic: I need a brokerage (or financial instrument) that won't let me sell
Replies: 25
Views: 2319

Re: I need a brokerage (or financial instrument) that won't let me sell

VTI, what is your age and asset allocation? What funds, ETFs do you currently have?


Paul
by pkcrafter
Sat Apr 03, 2021 10:05 pm
Forum: Personal Investments
Topic: Wells-Fargo Settlement Check from Former IRA Account
Replies: 15
Views: 1177

Re: Wells-Fargo Settlement Check from Former IRA Account

Greetings, Bogleheads, I received a letter from Wells-Fargo Investments in March with the subject line: Refund for losses associated with single-inverse exchange traded funds (ETFs) in your account ending in nnnn [number redacted]. They are going to send me a check this month for roughly $1,500 as ...
by pkcrafter
Fri Apr 02, 2021 10:00 am
Forum: Personal Investments
Topic: What to do with the VIIXF [VelocityShares VIX Short Term ETN]
Replies: 8
Views: 415

Re: What to do with the VIIXF [VelocityShares VIX Short Term ETN]

VIIXF performance. :shock: Days To Maturity-- 3 Month Return -30.00% YTD Return -30.00% 1 Year Return -77.87% 3 Year Return -38.18% 5 Year Return -47.28% Nav (On 04/01/2021)23.45 Total Assets (M USD) (On 04/01/2021)8.330 https://www.morningstar.com/etfs/xnas/viixf/performance :thumbsdown Welcome to ...
by pkcrafter
Thu Apr 01, 2021 5:39 pm
Forum: Investing - Theory, News & General
Topic: Why is housing market hot but REITS not?
Replies: 27
Views: 3526

Re: Why is housing market hot but REITS not?

anonsdca wrote: Wed Mar 31, 2021 10:16 pm REIT index) or REZ (ishares residential REIT index)?
Great question and exactly why you would never want to own VNQ or any other index.
[/quote]

Aren't you on the wrong forum?


Paul
by pkcrafter
Thu Apr 01, 2021 2:41 pm
Forum: Personal Investments
Topic: Vanguard Target Date Funds Question
Replies: 3
Views: 645

Re: Vanguard Target Date Funds Question

I am going to pull my Roth IRA out of Wealthfront and switch to Vanguard. I'm wavering on if I want to self-manage a three fund portfolio or just dump it all into a Target Date Fund (to alleviate having to rebalance). My question is, does Vanguard still apply the expense ratios on the individual fu...
by pkcrafter
Thu Apr 01, 2021 11:26 am
Forum: Personal Investments
Topic: CA resident w/ HSA, which fund to pick?
Replies: 11
Views: 436

Re: CA resident w/ HSA, which fund to pick?

Use VIIIX VANGUARD INST INDEX INSTL PLUS LARGE BLEND. This is the S&P500 index. Performance is very close to VTI.

Another all-in-one option would be one of the target retirement funds. Choose by desired allocation, not year.

Paul
by pkcrafter
Thu Apr 01, 2021 9:49 am
Forum: Personal Investments
Topic: Starting with nothing.
Replies: 28
Views: 2858

Re: Starting with nothing.

Welcome to the forum. I think you will discover this is the right place for you. :happy Please follow the "asking portfolio questions" link posted above. Hello, I am not sure that this is the place for me but I will give it a shot. Up until 15 years ago was an addict living on the street....
by pkcrafter
Wed Mar 31, 2021 8:43 am
Forum: Personal Investments
Topic: Approximating Total Stock Market
Replies: 4
Views: 345

Re: Approximating Total Stock Market

As others have already noted, there is very little difference between returns of total stock market vs S&P 500, but if you want to match total market here is now to do it. Some investors will intentionally overweight small or mid, so that's another option when using individual funds. https://www...
by pkcrafter
Mon Mar 29, 2021 6:43 pm
Forum: Personal Investments
Topic: VWINX as a place to park emergency funds?
Replies: 19
Views: 2622

Re: VWINX as a place to park emergency funds?

Does anyone use VWINX (Vanguard Wellesley Income Fund Investor Shares) to invest their emergency funds? This fund has a dividend yield of 1.94%, which is much better than money market funds at the moment. Is this fund conservative or safe enough to park money into without worrying about large losse...
by pkcrafter
Sun Mar 28, 2021 12:49 pm
Forum: Personal Investments
Topic: The safest way to 7%?
Replies: 88
Views: 8306

Re: The safest way to 7%?

There's a difference between someone asking for a guaranteed 7% return, which doesn't exist, and the safest way possible to shoot for 7% long term. OP never asked for the former despite some of the dismissive responses he received. The latter is very doable with plain old VOO or VTI. Will it return...
by pkcrafter
Sun Mar 28, 2021 10:24 am
Forum: Personal Investments
Topic: The safest way to 7%?
Replies: 88
Views: 8306

Re: The safest way to 7%?

I thought it would’ve been assumed that I meant in the investment markets. Given the inherent risk I am asking what investment vehicles would you use and what allocations would you use within the investment markets to as safely as possible within that framework to realize a 7% return over a ten plu...
by pkcrafter
Sun Mar 28, 2021 9:28 am
Forum: Investing - Theory, News & General
Topic: "Nobody Knows Nothin'"
Replies: 83
Views: 7849

Re: "Nobody Knows Nothin'"

This post was initially made in Aug. 2020, but has been revived. Seems like it needs some clarification, This is not a prediction, or political statement, it is an example of an economic lesson that “nobody knows nothing.” These are the words of John Bogle, the founder of Vanguard, arguably the most...
by pkcrafter
Thu Mar 25, 2021 9:56 pm
Forum: Personal Investments
Topic: Why, just why?! (American Century proposal)
Replies: 32
Views: 3503

Re: Why, just why?! (American Century proposal)

Sounds rhetorical, but why? Honestly what would the purpose of this be?
To impress you with all you get for a mere 0.9% advisory fee. :confused

Also note that there are some very tax-inefficient funds in taxable! :oops:

Don't mess with this.


Paul
by pkcrafter
Thu Mar 25, 2021 10:09 am
Forum: Personal Investments
Topic: Advice on not stressing closer to retirement
Replies: 62
Views: 3768

Re: Advice on not stressing closer to retirement

So I’m turning 60 in a few weeks and starting to think seriously about the retirement end game. I’ve always just maxed out my tax deferred space (and now, spending all extra cash making taxable investments and paying down mortgage) and not paid too much attention. But now that I’m thinking about it...
by pkcrafter
Tue Mar 23, 2021 5:41 pm
Forum: Personal Investments
Topic: Asset allocation between different types of accounts
Replies: 15
Views: 846

Re: Asset allocation between different types of accounts

What about home equity? No, this is not part of your investment account. You should follow our guideline for asking questions. Paul No, it’s not part of my investment account. I was just thinking that it was part of my assets, and it’s somewhat less volatile than stocks. It is part of your assets, ...
by pkcrafter
Tue Mar 23, 2021 4:51 pm
Forum: Personal Investments
Topic: Asset allocation between different types of accounts
Replies: 15
Views: 846

Re: Asset allocation between different types of accounts

What about home equity?
No, this is not part of your investment account.

You should follow our guideline for asking questions.



Paul
by pkcrafter
Tue Mar 23, 2021 11:04 am
Forum: Personal Investments
Topic: Talk me out of changing AA to 50% stocks
Replies: 43
Views: 4597

Re: Talk me out of changing AA to 50% stocks

I began retirement at 30% stock and discovered it wasn't enough to keep up with withdraws and inflation. I went to 40% stock and it's been fine with a normal withdrawal rate of 3-3.5%

Paul
by pkcrafter
Tue Mar 23, 2021 9:00 am
Forum: Personal Investments
Topic: Interesting retirement strategy
Replies: 45
Views: 5507

Re: Interesting retirement strategy

Work with a guy who’s retiring at the end of the year. He said that in January he moved his entire $1 million 401k into a stable value fund in order to preserve it for this year and at least 2 years into retirement. He said he’s protecting himself from series of returns. Does "series of return...
by pkcrafter
Mon Mar 22, 2021 7:06 pm
Forum: Personal Investments
Topic: Hi, New Investor, 37/M, Need help with Roth, please.
Replies: 32
Views: 2931

Re: Hi, New Investor, 37/M, Need help with Roth, please.

Sorry, the Original Post is updated. I wasn't sure how to answer all the info but I included what I did know. Again, I'm new and don't know the terminology. You will catch-on quickly. :wink: As for some of y'alls questions. This is direct from the Voya site as to options available for my 401k: Sorr...
by pkcrafter
Mon Mar 22, 2021 11:48 am
Forum: Personal Investments
Topic: New to Fidelity; confused and intimidated by etf screener
Replies: 8
Views: 496

Re: New to Fidelity; confused and intimidated by etf screener

FIDI is international high dividend.

You could use FTIHX, total international, ER= 0.06% or use VXUS

Vanguard's international recommendation is world allocation, but most investors here don't want that much international.


Paul
by pkcrafter
Mon Mar 22, 2021 11:36 am
Forum: Personal Investments
Topic: Should I rollover some of my 401A into an IRA?
Replies: 4
Views: 529

Re: Should I rollover some of my 401A into an IRA?

Thanks for mentioning this, I was not aware of it. Here's some more information: https://www.nolo.com/legal-encyclopedia/are-my-retirement-accounts-protected-from-judgment-creditors-california.html "Amount Necessary For Support” Is Protected California law allows you to exempt the amounts of yo...
by pkcrafter
Mon Mar 22, 2021 11:27 am
Forum: Personal Investments
Topic: Deciding on a portfolio/allocation
Replies: 22
Views: 1254

Re: Deciding on a portfolio/allocation

efficient frontier https://www.wtwealthmanagement.com/documents/pdf/WTWealth_2014-05_EfficientFrontier.pdf http://www.efficientfrontier.com/ef/996/basics.htm If you are looking for higher return, the risk goes up, market tracking goes down, extended periods of underperformance goes up. The simplest ...
by pkcrafter
Mon Mar 22, 2021 10:04 am
Forum: Personal Investments
Topic: Cleanest Mutual Fund performance and analysis site?
Replies: 16
Views: 961

Re: Cleanest Mutual Fund performance and analysis site?

In IRA accounts through our present FA there are 20 mutual funds we are invested in. I want to analyze, consolidate down to 3 or 4 index funds or ETF's. What site or resource does everyone like to view Mutual Fund performance and analysis information? Thank you Your portfolio is typical of one sele...
by pkcrafter
Sat Mar 20, 2021 5:50 pm
Forum: Personal Investments
Topic: Your Advice Please on Equity Investments - Starting Fresh
Replies: 6
Views: 657

Re: Your Advice Please on Equity Investments - Starting Fresh

So here's my brief story. I am retired, age 68, good health, married with my wife in good health, no grandkids but who knows down the line re my recently married son. Fortunately, with my wife's and my pensions we are more than covered for our lifestyle needs. Our income will be enhanced next year ...
by pkcrafter
Sat Mar 20, 2021 4:15 pm
Forum: Personal Investments
Topic: Average Bond Duration and Makeup
Replies: 4
Views: 568

Re: Average Bond Duration and Makeup

Hey, 500th post :sharebeer

Check out your bond funds (why so many?) on Morningstar. Go to portfolio so see duration.

https://www.morningstar.com/etfs/arcx/mub/quote

AAAGGGG, HYLD has an ER of 1.25%!!


Paul
by pkcrafter
Sat Mar 20, 2021 9:53 am
Forum: Personal Investments
Topic: 403(B) and Personal Roth IRA
Replies: 13
Views: 939

Re: 403(B) and Personal Roth IRA

403B and Roth https://www.investopedia.com/ask/answers/101314/what-are-advantages-and-disadvantages-getting-403b-vs-roth-ira.asp The only flags I'm aware of is the income limit or how you filed. You said you contributed about 6k to the Roth. Of course, it cannot be over 6k. https://www.irs.gov/retir...
by pkcrafter
Fri Mar 19, 2021 12:28 pm
Forum: Personal Investments
Topic: New Person Portfolio Plan - Hello Bogleheads!
Replies: 17
Views: 2036

Re: New Person Portfolio Plan - Hello Bogleheads!

Welcome to the forum, Hello Bogleheads! I'm a recent reader of The Little Book of Common Sense Investing and The Bogleheads Guide to Investing. After doing some planning, I thought I would join this forum and humbly request any feedback (and validation) of my plan! Overview Emergency funds: 1-year (...
by pkcrafter
Fri Mar 19, 2021 11:57 am
Forum: Personal Investments
Topic: Use the same 3 fund portfolio for taxable account?
Replies: 11
Views: 1167

Re: Use the same 3 fund portfolio for taxable account?

> My question is should I just buy VT (or VTSAX and VTIAX)? Or is there something different that I should be thinking about when investing in a taxable brokerage account? I think Investments in taxable accounts should be the most tax-efficient you can get. So yes, VTSAX or VTIAX are fine. If you pl...
by pkcrafter
Fri Mar 19, 2021 11:26 am
Forum: Personal Investments
Topic: Large Cap Fund Choices
Replies: 11
Views: 1019

Re: Large Cap Fund Choices

HACAX has outperformed the index because it's a large growth fund and growth has had a strong run, but it has lagged the index for the last 4 months. Do not chase past performance of various segments of the market, ride the market with a total market index fund.


Paul
by pkcrafter
Wed Mar 17, 2021 9:42 am
Forum: Personal Investments
Topic: 457b Choices
Replies: 21
Views: 1406

Re: 457b Choices

What is your overall asset allocation? Consider all retirement accounts as parts of one portfolio. You don't have to duplicate the portfolio in every account. Be sure Vanguard carries all the funds you intend to transfer. Use a custodian to custodian direct transfer, which is initiated by Vanguard. ...
by pkcrafter
Tue Mar 16, 2021 8:00 pm
Forum: Personal Investments
Topic: Current Asset Mix Advice
Replies: 12
Views: 1109

Re: Current Asset Mix Advice

My wife has a regular Roth and a Roth IRA that she contributes to at her work. Between her contribution and her company match she puts in 9% to each. I also opened a Fidelity account a couple weeks ago to do a Roth for myself. I have been hesitant to get it started until I understand more. Your wif...
by pkcrafter
Tue Mar 16, 2021 10:46 am
Forum: Personal Investments
Topic: Investment options for future gift to son
Replies: 10
Views: 868

Re: Investment options for future gift to son

Silk McCue wrote: Tue Mar 16, 2021 7:23 am Given the timeframe of about 15 years I would simply buy Vanguard Total World Stock and let it ride.

Cheers
Yep. :thumbsup

Paul
by pkcrafter
Sun Mar 14, 2021 10:15 pm
Forum: Personal Investments
Topic: Asset allocation
Replies: 13
Views: 958

Re: Asset allocation

Hi, I am a single parent in mid-50's and plan to work another 10 yrs for I have to put my child through college education. At the advice of my coworker, I sold all my mutual funds in retirement account in Feb'20 and moved funds to money market. I took a loss of 20K! No, you did not take a loss, you...
by pkcrafter
Sun Mar 14, 2021 7:06 pm
Forum: Personal Investments
Topic: Poor Fund Choices in 457b
Replies: 5
Views: 475

Re: Poor Fund Choices in 457b

Comments in blue below... Emergency funds : Seven months of bare-bones expenses (no giving). Debt : $110,000 mortgage. (Refi in-progress from 3.875% to 2.85%) - Good! Tax Filing Status :  Single. I can't imagine a scenario where this would change, and I have no desire for children. Tax Rate : 22% F...
by pkcrafter
Sun Mar 14, 2021 2:01 pm
Forum: Personal Investments
Topic: Calculating fees?
Replies: 13
Views: 648

Re: Calculating fees?

Expense ratios (ER) are taken daily before the performance numbers are shown, so you don't actually see the expense ratios or have to deduct them. High ER funds cause a performance drag over time. Mutual funds may also have loads (commissions), either front-end, back-end, or ongoing and you won't no...
by pkcrafter
Sun Mar 14, 2021 1:33 pm
Forum: Personal Investments
Topic: Retirement: Help I want out!
Replies: 58
Views: 7197

Re: Retirement: Help I want out!

slyfox, keep in mind that the "safe" withdrawal rate is 4%.


Paul
by pkcrafter
Sat Mar 13, 2021 1:00 pm
Forum: Personal Investments
Topic: Help with Asset Allocation
Replies: 21
Views: 1419

Re: Help with Asset Allocation

Hi everyone, I am looking for some advice today regarding asset allocation. I am 43 and a teacher so I will have a pension. Husband is 44 and a tradesman. We do have about 6 months emergency savings and our only debt is our mortgage. We are behind on retirement saving on behalf of my husband. I am ...
by pkcrafter
Sat Mar 13, 2021 10:51 am
Forum: Personal Investments
Topic: Personal risk-free return and growth-stock valuation
Replies: 5
Views: 467

Re: Personal risk-free return and growth-stock valuation

Now consider the situation of someone who has a significant amount of debt (say, student loans or a mortgage) with an interest of 3.5%. The common advice is to let that debt sit and invest in index funds instead. I'm not so sure this is true. Most posters here would recommend getting rid of the dep...
by pkcrafter
Sat Mar 13, 2021 12:40 am
Forum: Personal Investments
Topic: Asset Allocation in Roth IRA
Replies: 8
Views: 1033

Re: Asset Allocation in Roth IRA

Hello Bogleheads, I'm planning on opening a Roth IRA. Once I open the account, should I invest only in low-cost stock index funds or should I allocate a little portion to a bond index? Kindly let me know. Thank you for your time. Roth IRA investments grow tax-free, so it's best to fund them with fu...