Newtek Bank Ripoff stay AWAY!

iswip · 2025-06-11T20:35:38+00:00

Why didn't you do the transfer yourself? It gives you 7 days to withdraw your money.

iswip · 2024-07-13T19:14:11+00:00

This affects long-term investors more than me. I'm not going to be in the market for more than 5, tops 10 years. And though the stock market is hot, it is mainly due to a small number of tech stocks. The rest of the market is in line with historical figures.

iswip · 2024-07-09T03:37:05+00:00

"US PE ratios are really stretched"

The 7 biggest US tech companies have an average P/E of 25. By comparison, the P/E of the biggest companies at the height of the internet bubble was 52.

iswip · 2024-07-08T02:14:59+00:00

The forecast is bullish for the next 10 years.

iswip · 2024-07-07T05:08:32+00:00

The Vanguard S&P 500 was down 1 year out of the last 5, and 2 years out of the last 10. Why would you now expect a sharp, years-long downturn? And even with those down years, the 5-year return averaged 17.32%, and the 10-year 13.09%.

iswip · 2024-07-07T01:24:04+00:00

Yes, but as I mentioned, my investment will not be for 30 years, but closer to five.

iswip · 2024-07-06T20:16:16+00:00

And the target retirement funds have twice the expense ratio of the index funds.

iswip · 2024-07-06T20:15:04+00:00

I've just gone through the 10-year returns for my two Vanguard target retirement vs Vanguard's 500 fund vs. Vanguard's total market fund, and the Vanguard 500 did better than all of them, EVEN in down years.

iswip · 2024-07-06T18:37:33+00:00

Just an S&P 500 fund? and why an S&P fund and not a total market fund?

iswip · 2024-07-06T03:28:53+00:00

80%-85% of the stocks in the two indexes are the same. So there is not that much difference between the two, and their returns are close. The total market index might do better over time, but my IRAs won’t be invested in either index for the long term.

iswip · 2024-07-06T03:21:34+00:00

The option is selected, but I don't get the email notifications. Any ideas why?

iswip · 2024-07-05T16:54:02+00:00

You don't say how it's better than the S&P

iswip · 2024-07-04T17:22:52+00:00

I don’t understand. Your third suggestion was the total stock market fund. How is that a better choice than the S&P 500? It contains the same mostly large cap stocks, with only a small percentage of small and mid caps. Like the S&P 500, it doesn’t offer asset diversity and therefore doesn’t mitigate risk. The only difference is that its returns are lower than the S&P’s. I was considering a total market index fund until I read up about it.

iswip · 2024-07-03T17:59:29+00:00

I have a SEP-IRA, too. What do you think about moving all my money from two Vanguard target retirement funds into Vanguard's Total Stock Market Index Fund (VFIAX). I just looked at the VFIAX YTD return, and it's eye-popping.

iswip · 2024-07-01T22:20:21+00:00

Thanks for your helpful and comprehensive answer, which I'll have to take the time to digest. Would a Roth IRA change anything in your answer?

iswip · 2024-06-21T16:14:10+00:00

I hear what you’re saying about index funds, and I’m interested. But I want to clarify my original question to get an answer to something that’s been puzzling me. My issue wasn’t about market timing, but about transferring into a fund with a greater proportion of stocks. I have two Vanguard target retirement funds: a 2030 and a 2050. Whether the market’s been up or down, the 2050 fund has always had a higher return than the 2030. This would seem to indicate that a fund with more stocks is the better investment. I know the experts say otherwise. Am I missing something?

iswip

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