How I Personally Allocate my Roth IRA Investments for Free Through Vanguard Using Index Funds



★ Remember to LIKE, COMMENT and SUBSCRIBE to push me higher in the search rankings! ★ === === === === This is a brief summary / walk-through how I re-balance my wife's and my Roth IRA portfolio annually. 2014's contribution limits are $5,500.00 per individual. So it'll total $11,000 between husband and wife. I've simplified my investment portfolio beginning in 2013 to Vanguard ETF / Index / Mutual funds: MSCI US Broad Market Index MSCI All Country World MSCI US Small Cap Value VTSE Emerging Market Index They have ETF and Admiral share equivalents. VTSAX VTI VTIAX VXUS VSIAX VBR VEMAX VWO Spreadsheet: https://docs.google.com/spreadsheets/d/14kC1r3sC3c4Jupd1ybxQ3n6dtvlSLvehhQ2UfvdRO0A/edit#gid=45 === === === === http://JeffersonKim.com

Comments

  1. I am now invested into 3 Vanguard Index funds. I'm new to this, so when can I expect to see growth from my investments? Do you like to pay all your investment in one payment or add a bit every month to take advantage of Dollar Cost Averaging?
  2. I read 99 Minute Millionaire by Scott Alan Turner. He recommends to buy a three fund portfolio (VTSMX, VGTSX, VBMFX) and each one has a minimum of $3,000 which is equal to $9000. So if I can only contribute $5,500 a year, how am I suppose to buy all three of these funds? I'm lost and trying to figure out how to get my Roth setup correctly. I'd like to do it myself rather than a target date fund.
  3. You can buy gold coins and bullion, and other precious metals*, in a self-directed IRA or 401(k) established with a trust company. People with retirement plans typically have a conventional IRA or 401(k) with a bank or brokerage firm that specializes in bank deposits, stocks, mutual funds, annuities and other assets. In many cases, these investors have little or no say in the investments being made. A self-directed plan empowers the individual to make his or her own investment decisions and adds to the available investment options. The precious metals are among those options. * In recent years, many IRA investors have come to view silver as a retirement asset with qualities similar to gold. USAGOLD has placed thousands of silver American Eagles and Canadian Maple Leafs with investors who believe in silver's asset preservation attributes. Read More: http://GoldAndSilverForLife.com/partner?p=romeoicq&w=webinar
  4. On vanguard do you personally have to alllocate your roth ira funds or do they allocate automatically once your transaction is cleared? I just started and I am confused. Plus the website is user-unfriendly. Any help?
  5. Thank you for the spreadsheet and video.
  6. I'm new to all this. If you open an Roth IRA with Vanguard do they do all the investing for you or do you have to be on top of it all the time? I'm worried about opening an account at vanguard.
  7. Thanks for being so open about your investments! Definitely a high-risk portfolio, but you have certainly thought it through. Keep the videos coming!
  8. Wow! No Bonds at all? You cautioned that your change to 50% EM, 50% SC Value is high risk but you forget the more important caveat that you are all equities - that going all stocks is not recommended for the faint of heart.

    You have NO BONDS and were 50% foreign and over-weighted in EM and over-weighted in SC Value. Now you are still NO BONDS and now 50% EM and 50% SC Value. It's one thing for you, one person to make such a big bet if you were single but to make such a gamble when married is down right foolhardy.

    "..29 cents..equates enough to be Admiral shares..." Why are you letting a 29 cent difference bothers you? That's nothing. And it sounds like you want to get $10k in the VXUS EFT so that you can convert it Admiral shares. You know you can't do that, right?

    Your spreadsheet is rudimentary and the same information can be had in one third the space.
  9. Can you make an updated video on this - I am doing a Roth and am overwhelmed
  10. I just start a Roth IRA account at Vanguard and I'm not sure what to do with it. It's still all short-term reserves and I'm trying to understand what needs to be done.
  11. Jefferson, love the video. I can appreciate your tilt to small cap value. A Paul Merman fan I presume. Do you have a specific bond allocation? Also, any thoughts on spreading the risk to Large cap / Mid cap value? How'd you get to to be so bullish on emerging markets, any references? Thanks!
  12. Have you looked at Rebalance IRA? They have Bert Malkiel and Charley Ellis on their advisory board, the rebalance your portfolio and no hidden fees and you do not have to do a thing!
  13. I just opened an IRA but have not invested yet. When I do invest, do I have to choose how much of my $5,500 goes towards each mutual fund/stock? or is it like a 401k where a percent of all my money goes towards a certain fund?

    Thanks!
  14. Hello, Jefferson I would like to know if you could upload the Excel sheet for everyone ?
  15. Great video...thanks.  I was at Bogleheads and started a thread on this topic.  I have a Roth IRA at Investco I want to transfer to Vanguard.  I am 52.  Any help on this?  Can I just call VG on this?  Ideally, I want to work my Roth, 403b, and personal investments into a 3-4 portfolio model.  You seem to have a 4 fund portfolio. Do you do this with all your investments? If you had a 401k, ideally, would it look like your Roth here? Another investment, same thing? Love to hear back from you.
  16. Wow. You're picking passively managed mutual funds within one fund family.  I mean, wow. Mind blown. That's pretty impressive..
  17. What is your return from the time you made this video till now?
  18. Thanks for info. Where can i learn all the skills
  19. Interested to know how you set up your spreadsheet formulas to automate the process of rebalancing. I imagine you have weight formulae set up that will tell you the dollar figure per weight/%age? Obviously you're very comfortable with Excel.
  20. you are heavy in overseas I think ,I do like  index funds .


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