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Recommend the CR 401k portfolio
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Date: January 19th, 2020 1:34 PM Author: Razzmatazz french private investor Currently 75% Vanguard Target Retirement 2065 and some 25% some US equities fund (http://www.autoadmit.com/thread.php?thread_id=4425033&forum_id=2#39455291) |
Date: January 19th, 2020 1:34 PM Author: outnumbered dysfunction 100% VTI (http://www.autoadmit.com/thread.php?thread_id=4425033&forum_id=2#39455292) |
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Date: January 19th, 2020 1:56 PM Author: Salmon native skinny woman (http://www.autoadmit.com/thread.php?thread_id=4425033&forum_id=2#39455398) |
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Date: January 19th, 2020 2:01 PM Author: hilarious masturbator I like VOOG for long term hold (http://www.autoadmit.com/thread.php?thread_id=4425033&forum_id=2#39455431) |
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Date: January 19th, 2020 3:49 PM Author: bright odious tattoo market Aren't they 80% the same? You prefer slightly more overweight in the top 500 stocks vs. total market? (http://www.autoadmit.com/thread.php?thread_id=4425033&forum_id=2#39455897) |
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Date: January 19th, 2020 1:35 PM Author: Concupiscible newt incel I better be dead in 2065 (http://www.autoadmit.com/thread.php?thread_id=4425033&forum_id=2#39455294) |
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Date: January 19th, 2020 4:07 PM Author: Cracking area idea he suggested (http://www.autoadmit.com/thread.php?thread_id=4425033&forum_id=2#39455978) |
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Date: January 19th, 2020 1:36 PM Author: Hideous trip boistinker church $0 in fraud01k (http://www.autoadmit.com/thread.php?thread_id=4425033&forum_id=2#39455300) |
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Date: January 19th, 2020 1:38 PM Author: Curious sticky stag film mad cow disease Most important thing is fees. If your Target Retirement fund is greater than .15 you're getting fucking hose. (http://www.autoadmit.com/thread.php?thread_id=4425033&forum_id=2#39455306) |
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Date: January 19th, 2020 1:40 PM Author: Mewling Brunch the optimal portfolio will shift over time. being overweight US stocks is credited for now. (http://www.autoadmit.com/thread.php?thread_id=4425033&forum_id=2#39455318) |
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Date: January 19th, 2020 1:41 PM Author: Razzmatazz french private investor Doesn't a target retirement fund do that (http://www.autoadmit.com/thread.php?thread_id=4425033&forum_id=2#39455323) |
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Date: January 19th, 2020 1:43 PM Author: Mewling Brunch a target retirement fund adjusts its asset allocation based on your age to become more conservative you get closer to retirement. the vanguard 2065 fund won't change its allocation for decades under the current glide path.
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Date: January 19th, 2020 1:55 PM Author: Curious sticky stag film mad cow disease Fees motherfucker, what are they (http://www.autoadmit.com/thread.php?thread_id=4425033&forum_id=2#39455395) |
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Date: January 19th, 2020 1:58 PM Author: Razzmatazz french private investor https://investor.vanguard.com/mutual-funds/profile/VLXVX
this says 0.15
Is this the only relevant fee or is there some other layer of fees I should know about |
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Date: January 19th, 2020 2:06 PM Author: Curious sticky stag film mad cow disease No, that's fine and .15 is okay. Just put all your money in there and don't worry about then.
There was a study and the average woman has way more money in their retirement account (when controlling for age, salary, etc.) because they just set it up and then forget about it. |
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Date: January 19th, 2020 2:02 PM Author: Pink adventurous parlor voyeur VOO AMZN UBER BABA TTD SHOP MDB MELI ODFL ATVI
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Date: January 19th, 2020 2:04 PM Author: Razzmatazz french private investor Some of those are extremely random (http://www.autoadmit.com/thread.php?thread_id=4425033&forum_id=2#39455446) |
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Date: January 19th, 2020 2:08 PM Author: Pink adventurous parlor voyeur all are connected to ecommerce/advertising in some way. they all made me a ton of money over the last 2 years and i'm adding 500 shares of uber tuesday. (http://www.autoadmit.com/thread.php?thread_id=4425033&forum_id=2#39455464) |
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Date: January 19th, 2020 2:05 PM Author: Massive spot just pick single names better yet daytrade |
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Date: January 19th, 2020 2:11 PM Author: Curious sticky stag film mad cow disease An index fund with .04 in fees reduces your portfolio value 30 years hence by 1.59 percent.
Your target date fund with .15 in fees reduces your portfolio value 30 years hence by 5.83 percent.
If you put it in some fund with .75 in fees it reduces your portfolio value 30 years hence by 26 fucking percent.
In other words, in 30 years at a 6 percent ROR, $10k today can become $101k, $96.8k or $76.1k depending on the fees.
And the average offering from most employers includes funds with .75 or worse annual fees. |
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Date: January 19th, 2020 2:15 PM Author: Razzmatazz french private investor How'd you get 101k?
1.06^30 = 5.74 |
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Date: January 19th, 2020 2:20 PM Author: Curious sticky stag film mad cow disease uh, 8 percent ROR
I used a calculator online and it's not recreating these numbers, so I dunno
https://www.buyupside.com/calculators/feesdec07.htm |
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Date: January 19th, 2020 3:04 PM Author: Histrionic Kitty You should view as part of your overall portfolio allocation. I wouldn’t view as separate. Due to the tax advantages, you should allocate assets that spit off dividends/are tax inefficient; like you would with a Roth. (http://www.autoadmit.com/thread.php?thread_id=4425033&forum_id=2#39455702) |