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Old 04-17-2014, 05:53 AM   #41
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Yes, that's very true. School IS the most important thing right now, but I feel like I can still focus on investments, right? I mean it's not a time consuming thing. I work 10 hrs/week during the semester and I will be interning every summer at nice pay, and 80% of everything I make will be put into an investment account.
Perfect time for you to do some research on funds/investing while you get ready for the "real" world .

Again, I like to browse discussion groups, my preference are the groups on Morningstar, to build real world knowledge from people who have done this and been through a few investing cycles. Those groups will lead you to good resources for further research.
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Old 04-17-2014, 09:23 AM   #42
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Originally Posted by Lurkin View Post
Perfect time for you to do some research on funds/investing while you get ready for the "real" world .

Again, I like to browse discussion groups, my preference are the groups on Morningstar, to build real world knowledge from people who have done this and been through a few investing cycles. Those groups will lead you to good resources for further research.
I will look into that. I researched Edward Jones before I invested with them, and got a lot of negativity about the fees and some positive feedback as well. Do you (or anyone else here) have experience with them (Or other brick and mortar investing companies)?
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Old 04-17-2014, 09:38 AM   #43
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Originally Posted by Chopper678 View Post
I will look into that. I researched Edward Jones before I invested with them, and got a lot of negativity about the fees and some positive feedback as well. Do you (or anyone else here) have experience with them (Or other brick and mortar investing companies)?
Personally no, and no on the brick and morter places. All my money is in employer 401k's, and rollovers and non-retirement $$$ is in Vanguard. IMHO, if you have a choice stick with Vanguard or TIAA-CREF as they seem to stay true to consideration for the investor, as opposed to money making for themselves (e.g., lower fees, control manager turnover, no 12b-1 fees). I'm sure there are others though, this is where the research comes in.

I'll say this again too, nothing wrong with opening an investment account with whomever makes sense to you, then just stick the money into a money market, or some safe cash alternative until you get comfortable with the funds/investments you want. Losing a few months of possible gains is probably cheaper then losses, buy/sell fees or redemption fees to change.
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Old 04-17-2014, 09:46 AM   #44
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Originally Posted by Lurkin View Post
Personally no, and no on the brick and morter places. All my money is in employer 401k's, and rollovers and non-retirement $$$ is in Vanguard. IMHO, if you have a choice stick with Vanguard or TIAA-CREF as they seem to stay true to consideration for the investor, as opposed to money making for themselves (e.g., lower fees, control manager turnover, no 12b-1 fees). I'm sure there are others though, this is where the research comes in.

I'll say this again too, nothing wrong with opening an investment account with whomever makes sense to you, then just stick the money into a money market, or some safe cash alternative until you get comfortable with the funds/investments you want. Losing a few months of possible gains is probably cheaper then losses, buy/sell fees or redemption fees to change.
So with something like Vanguard you just do all the research yourself and make your own decisions on investments? I'm stuck with EJ right now as I have a lot in there, but I'm confident that it will be profitable in the future. What is a TIAA-CREF?
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Old 04-17-2014, 10:29 AM   #45
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So with something like Vanguard you just do all the research yourself and make your own decisions on investments? I'm stuck with EJ right now as I have a lot in there, but I'm confident that it will be profitable in the future. What is a TIAA-CREF?
Vanguard let's you buy exactly what you want as long as they offer it. Low fees. But most funds have a 3k minimum investment as well.

They do offer financial planning as well but not sure how it is. It's still pretty new from them.
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Old 04-17-2014, 10:34 AM   #46
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Vanguard let's you buy exactly what you want as long as they offer it. Low fees. But most funds have a 3k minimum investment as well.

They do offer financial planning as well but not sure how it is. It's still pretty new from them.
That isn't an issue. I think I'm going to keep pumping money into my EJ account since I already have it though. Why do some people have multiple accounts?
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Old 06-20-2014, 11:07 AM   #47
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Capital Preservation Fund

I understand a Capital Preservation Fund is less likely to have significant market fluctuations (good or bad), and is best for people nearing retirement to try to maintain/preserve wealth.

What could cause these Capital Preservation Funds to decline? Are they tied to the bond market? If that is it the case, I fear that when interest rates finally rise, the bond market will suffer.
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Old 07-26-2014, 09:16 PM   #48
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I understand a Capital Preservation Fund is less likely to have significant market fluctuations (good or bad), and is best for people nearing retirement to try to maintain/preserve wealth.

What could cause these Capital Preservation Funds to decline? Are they tied to the bond market? If that is it the case, I fear that when interest rates finally rise, the bond market will suffer.
Newb here to tacomas, but have been in the finance world for a while. Answer is a little late, but you are correct here, capital preservation funds are bond heavy (generally in U.S. Treasuries and Agencies). Much lower systematic risk but you are correct about rising rates hurting your returns.
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