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Need help with my investing
Old 01-12-2010, 12:40 PM   #1
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Need help with my investing

Okay. I'm ready to try and get my financial house in better order. I have a 401K that is settled among the investment choices prescribed. Not much else I can do there for now.

I have $270,000 in a money market earning 1%. I'd like to keep about $100,000 in cash. That leaves $170,000 able to invest. Also, I have three accounts with Oppenheimer that are iin some doggy funds from which I really want to escape. Two of these accounts are DW and my IRA accounts. Mine is only $6500 and hers is $59,000. The other account is $24,000 and is not an IRA.

I have read enough to appreciate the Bogle philosphy of investing over my experience with managed services. Indexing seems very agreeable to me. But in looking on the Vanguard site I quickly get confused between ETF's, regular index funds, mutual funds, etc. And I sure don't know which ones to choose.

I would like to just choose a few (3-4) index funds that allocate the above balances across equities and bonds. Probably a 65/35 split. Maybe a little international exposure but probably not very much.

Can someone help suggest the funds I should look into to accomplish this? Also, will be leaving Oppenhiemer. Guess I will go with Vanguard for a new brokerage account(s) unless someone has other suggestions.

Sorry to be an investing ignoramous. But that is what I am. Any help is appreciated.

“Of all the paths you take in life, make sure a few of them are dirt.” John Muir
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Old 01-12-2010, 12:54 PM   #2
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Not to be a spoil-sport, but if you are going to use Vanguard and follow a Boglehead philosophy, then the best place to get help is at
Bogleheads :: View Forum - Investing - Help with Personal Investments

Read and follow the directions in the sticky "Asking Portfolio Questions"

It just seems redundant to ask on this forum. We are all nice folks, but those folks are experts in this area and I think much better suited to giving folks the best advice. Good luck!

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Old 01-12-2010, 01:34 PM   #3
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Went to that site. I agree. Thanks. I'll ask my questions there.
“Of all the paths you take in life, make sure a few of them are dirt.” John Muir
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Old 01-12-2010, 01:42 PM   #4
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Good. Many of us here (including me) have used the excellent advice given to us at the Bogleheads forum as a foundation upon which to build and design our own portfolios. The advice I received was very good. I made some major modifications to my initial ideas based on that advice, and consequently my portfolio has behaved exactly as I wished.
"You can never cross the ocean until you have the courage to lose sight of the shore." - - - C. Columbus
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