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Message
Just Read a Book and Now Second Guessing Myself
Posted on 7/31/14 at 9:45 pm
Posted on 7/31/14 at 9:45 pm
Ok so I was going to start with FLGEX next week for my main fund in my roth. I know Im probably the most aggravating guy on here and you did successful pawn me off on bogleheads for a few days, but I'm back.
I read Bogle's "Little Book of Common Sense Investing" and now I'm thinking I should do the Spartan Total market index. I can also have this one in my 401k. What would you do?? Have the account with employer match have the more expensive funds or the Roth??
Come on guys, just one more thread I promise!!!!!!!!
I read Bogle's "Little Book of Common Sense Investing" and now I'm thinking I should do the Spartan Total market index. I can also have this one in my 401k. What would you do?? Have the account with employer match have the more expensive funds or the Roth??
Come on guys, just one more thread I promise!!!!!!!!
7
Posted on 7/31/14 at 10:26 pm to ragacamps
If you're this confused and indecisive, go 75% full market and 25% international and forget it.
Posted on 7/31/14 at 10:29 pm to ragacamps
Does it really matter? Odds are, one fund isn't going to make you a millionaire while the other loses money. Pick one and forget about it
Posted on 7/31/14 at 10:34 pm to ragacamps
quote:
Just Read a Book and Now Second Guessing Myself
Just give me all your money. I'll surely find a way to allocate it.
Posted on 7/31/14 at 10:47 pm to ragacamps
Im second guessing myself for clicking on this thread.
Posted on 8/1/14 at 7:42 am to ragacamps
I was one who sent you over to bogleheads. I also have all of my non-401k money with Vanguard. But I don't have all in index funds. To answer your question, though index funds have lower fees, that doesn't mean they are always better than actively managed funds. It just depends.
In your case, I think it would be a good idea to stick with FLGEX and buy some Total Market as well.
ETA: I just saw where you haven't bought FLGEX yet. As I'm sure you've read, a lot of people use a Total Market fund as the core fund, then add around that. That's a good strategy too.
In your case, I think it would be a good idea to stick with FLGEX and buy some Total Market as well.
ETA: I just saw where you haven't bought FLGEX yet. As I'm sure you've read, a lot of people use a Total Market fund as the core fund, then add around that. That's a good strategy too.
This post was edited on 8/1/14 at 7:47 am
Posted on 8/1/14 at 7:50 am to Sigma
Side question.
If you chose to go with the total target date retirement fund, what other funds should you look at once you maxed out the retirement Roth contributions
If you chose to go with the total target date retirement fund, what other funds should you look at once you maxed out the retirement Roth contributions
This post was edited on 8/1/14 at 7:50 am
Posted on 8/1/14 at 7:58 am to HailToTheChiz
quote:
If you chose to go with the total target date retirement fund, what other funds should you look at once you maxed out the retirement Roth contributions
Inside the Roth or in a taxable acct?
Posted on 8/1/14 at 8:26 am to Sigma
It would have to be taxable because I would have maxed roth contributions for the target date fund
Posted on 8/1/14 at 8:35 am to HailToTheChiz
quote:
It would have to be taxable because I would have maxed roth contributions for the target date fund
You've asked a really big question. What are your goals for the money? ie when will you need it? What is your risk tolerance? Do you have an emergency fund? Does your employer offer a 401k or 403b?
Posted on 8/1/14 at 8:39 am to Sigma
I didnt mean to be big lol
Goals retirement so wont need it for another 30 years or so. I'm fine with some risk due to such a long period.
No 401k or 403b. Yes emergency fund
Goals retirement so wont need it for another 30 years or so. I'm fine with some risk due to such a long period.
No 401k or 403b. Yes emergency fund
Posted on 8/1/14 at 9:01 am to ragacamps
Here's another book for you to read. It's about a guy who spends all his time hemming and hawing and second guessing himself, and is never able to make any decisions. He gets murdered in the end, which is what will happen to you if you don't stop making daily threads about your 403(b) allocation.
LINK
LINK
Posted on 8/1/14 at 9:05 am to HailToTheChiz
quote:
I didnt mean to be big lol
Goals retirement so wont need it for another 30 years or so. I'm fine with some risk due to such a long period.
No 401k or 403b. Yes emergency fund
If it's in a taxable account, a lot of people like to stick to index funds like those in the Target Date funds (VTSMX, VGTSX) because they are tax-efficient. That's a good option if you don't mind so much money in the same funds (retirement and taxable).
Tax-advantaged balanced funds like VTMFX, VBIAX, and the LifeStrategy funds are a good option if you want a little less risk (some $$ in bond funds).
Another thing you might think about are high quality actively managed balanced funds like VWINX and VWELX. They aren't as tax-efficient but have historically beaten the indexes enough to compensate.
These are all Vanguard funds, but you can find the equivalents with Fidelity, Schwabb, etc.
Posted on 8/1/14 at 9:31 am to Sigma
Thanks. I thought about that but just wasnt sure on the thoughts of having 2 overall funds with one tax one not
Posted on 8/1/14 at 11:04 am to ragacamps
if you don't know what to do, buy broad based ETF with low fees. Maybe VTI? Or SPY? use that for 75% of your portfolio.
Then use the rest of the 25% in fixed income, bonds or CDs. Probably a bond fund of some sorts.
Then use the rest of the 25% in fixed income, bonds or CDs. Probably a bond fund of some sorts.
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