tigerfan337

Weagle99 $50-$75 is what you’re supposed to tip.

Hopefully the Saints organization has forgotten where PP7 went to college and will make this happen.

WR: K. Allen, A. Cooper, Corey Davis, Robby Anderson
RB: S. Barkley, R. Freeman, R. Burkhead, N. Chubb
TE: J. Doyle

If you enter a country that ends in -stan you’re gonna have a bad time.

Will get berated by delusional LSU fans for this but here’s my prediction for 2018 season:

Miami - L
SE Louisiana - W
at Auburn - L
LA Tech - W
Ole Miss - W
at Florida - L
Georgia - L
Mississippi St - W
Alabama - L
at Arkansas - L
Rice - W
at Texas A&M - W

6-6 and could easily see that turning into 5-7.
Hope I’m wrong but just being realistic here.

- O is not a good head coach. I liked him as a d line coach and recruiter but he chokes under pressure as head coach.
I predict there will be multiple times where he will face criticism this year and completely throw others under the bus.
- Ensminger has not been a full time OC for 20 years
- We don’t have a QB
- We don’t have a RB
- Our receivers are avg at best
- Our O line is avg/below avg
+ Only bright spot will be our defense

LSU needs to clean house after this year.
- President F. King Alexander
- AD Joe Alleva
- Ed O
- Ensminger
All of them need to go.

quote:

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You've yet to answer why 2045 and 2065 shouldn't both be 90/10 right now. Unless you and I just have a completely different opinion on what asset allocation means.

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My fault, I should have clarified that. The 90/10 allocation is fine. It’s the fact that the holdings are almost identical to one another.

If you recall, a poster on here stated that “the tgt date funds are fine and unless you’re going to start paying attention to daily domestic and intl. market fluctuations then you’re better off keeping your money in a tgt retirement fund.” That’s simply just not true.
You do not have to become a CFA to know how aggressive/conservative and pick appropriate investments OR pick up the phone and call the company where your investments are and ask what their recommendation is based on your preferences. It just takes a little time and effort. Which isn’t asking much considering this is your retirement money. But if you don’t want to do that, then the easy way (lazy way imo) is to just stick with the tgt retirement fund.

But I think what my main problem with the tgt retirement funds is that the name is misleading. People get into these funds because they’re able to assimilate to the name “Target Retirement Fund 20XX”
They know how old they want to be when they retire and then they pick that fund, and that’s the extent of their retirement planning.
-They know nothing else about the fund.
-They don’t know what it’s invested in, they don’t even know if it’s invested in the stock market or what mutual funds are in the fund
-They don’t know if it’s as aggressive/conservative as they are

People just pick the fund because of the name and that’s it. They’re done. No more need to worry about retirement. They can now sweep it under the rug and not think about it for a long time.
The name of the funds were named what they are to get people to invest in the funds. More money in the funds = more money for the fund company.
“Target Retirement Fund 20XX ” sounds a lot more appealing to potential investors than “Basic Investing Retirement Fund 20XX” even though Basic Investing is a more appropriate name, because that’s what it is - basic (cookie cutter imo).

I think the fund allocation is too simplistic and it should be more sophisticated as your nest egg grows and you get closer and closer to retirement. It also assumes your risk tolerance based only on your age.
The only asset allocation Vangurd does with these tgt retirement funds is they merely adjust the % of the funds as time goes on.

Simply owning 4 funds within the tgt retirement fund:
2 equity funds
- US broad mkt index equity index fund
- Intl. broad mkt equity index fund
2 bonds funds
- US bond mkt index fund
- Intl. bond fund index fund

Is a lackadaisical way to invest for retirement in my opinion.

I’d argue that these funds are too simplistic.
Again, they’re great if you don’t want to put any effort at all but I feel like that’s a pretty lazy approach to investing considering this is your retirement money we’re talking about.

Take the tgt retirement fund 2055 for example: VFFVX
2055 is over 35 years away so why allocate 3% to an international bond fund and 7% to the total bond mkt index? Seems like a wasted opportunity for growth if you ask me.

Also, compare any vanguard tgt retirement fund’s asset allocation from 2045 to 2065.
2045, 2050, 2055, 2060 and 2065 have almost identical asset allocation!

Oh and 90% of your holdings are in TWO mutual funds. One is a broad market US equity index fund (VTSMX with +3,600 stocks) and one is a broad market international index fund (VGTSX with +6,000)!!! Whoop dee doo.
Cookie cutter.

In order:
Lafayette
Ruston
Hammond
Monroe

Second that.
The target date funds are about as cookie cutter as you can get. (Not just Vangurd but all of ‘em)

It’s just a fund of vanguard funds. You get the same 4-5 funds regardless of what target date year you pick and they just adjust the % allocations to each fund over time....

i.e.
Vanguard Tgt Retirement 2045: VTIVX
55% VTSMX - Total Stock Mkt Index
35% VGTSX - Total Intl. Stock Mkt Index
7% VBMFX - Total Bond Mkt Index
3% VTIBX - Total Intl. Bond Mkt Index

Vanguard Tgt Retirement 2065: VLXVX
54% VTSMX - Total Stock Mkt Index
36% VGTSX - Total Intl. Stock Mkt Index
7% VBMFX - Total Bond Mkt Index
3% VTIBX - Total Intl. Bond Mkt Index

Good for people that have absolutely no clue what they’re doing and prefer to be ignorant on investing but extremely too cookie cutter for me.

Proximity there is ideal. You can get to BR or NOLA in 45 min - 1 hr. and only about a 3 hr drive to the gulf coast.
The downtown area is really nice. Lot of restaurants, bars and places to shop around.
Good, safe neighborhoods.
Great place to raise a family if you're going the private school route. Wouldn't recommend if you're planning to send your kids to public school.