Bogleheads.org

it is speculation and it lends itself to use by criminals which certainly doesn't add any appeal. I prefer not partake in activities that further organized criminal activities. Criminals use money in the black market and many large banks engage in money laundering, so you would have to stop using U...

Thanks! In our situation are I-Bonds a no-brainer? Should muni bonds enter the discussion? CD's? Concerning our AA, I just had thoughts the bond AA is going to get more and more difficult to keep if PIMCO isnt used in his 401K. Also, should a combination of F and G Fund be used when we are forced t...

But we did see cases of a "fat finger" in the stock exchange that temporary made a drastic price shift.... I guess you didn't bother to read that link you posted about the flash crash that you are suggesting indicates 'fat fingering'. Allow me: " The fat-finger theory: Disproved. In ...

This didn't take long.... Bitcoin hacked: http://finance.yahoo.com/news/bitcoin-hacked-price-stumbles-buying-103848677.html Reading this and concluding that "Bitcoin was hacked" is like reading an article stating that hackers manged to slow down the services of some big U.S bank and concl...

Can you be more specific with your intended AA? You could fill your 60K per year of taxable with 20K in I bonds and 40K in TSM/TISM but it isn't clear beyond 80/20 equity/FI and 30 international what you are trying to accomplish AA-wise. You do not have issues keeping your 20% bonds efficiently now ...

Ahhh.. bubble thinking. This is precisely what Shiller wrote about. I first saw a lecture of him talking about it in 1990 at the LSE. And eventually in 1999 he wrote 'Irrational Exuberance'. Academically this will be really interesting. But as an investment class? Way too new. Seems to offer the ne...

This didn't take long.... Bitcoin hacked: http://finance.yahoo.com/news/bitcoin-hacked-price-stumbles-buying-103848677.html Bitcoin wasn't hacked. Bitcoin exchange mtgox.com was hacked. There are plenty of other exchanges. ...Which caused an overnight sell-off leading to a 20% drop in value. Is tha...

As you describe the situation she might be better off with a low cost fee only advisor to manage a more properly diversified portfolio and deposit funds at certain intervals to the checking account for her. You could create this arrangement for implementation when you no longer have the willingness ...

This didn't take long....

Bitcoin hacked:

http://finance.yahoo.com/news/bitcoin-h ... 48677.html

The primary heir is a mature adult and knows all - the lines of communication are wide-open both ways. One secondary heir is 9Y old and thinks $50 is a huge amount of money, so no, she isn't ready. The other secondary heir is 9M old and I tell her absolutely everything but she doesn't say much about...

How long would you be willing to wait? What if you never get your price? I've been in your boat before. When I wanted to add REIT to my portfolio, REIT had been doing too well for too long so I sat on my hands and waited. Then the 07-09 business unfolded and I got my chance, filled the allocation an...

In 2000 I extrapolated where I thought I would be. Bad idea... Yes sir. I stopped making those projections sometime between the Asian flu and the dot bomb episode. They always fell badly apart in such a hurry. I lost interest in making a new 10/20/30 year projection every six months after the prese...

What do you tell yourself when your portfolio is doing worse than the stock market? "You're smart, and good-looking, and gosh darn it people like you; so what if your portfolio is a dumpster fire?" Said into mirror in Stuart Smalley voice. :D I always need something to buy with new funds....

Grt2bOutdoors wrote:...

I like the line - "when the Fed stops printing money" - when has the Fed ever stopped printing money?

Are you saying: "The next time will be the first time"? I merely hope they have a variable speed printer. We'll see...

what was the one yr return of vbmfx, and bnd for 2012.... The 2012 annual report provides what you seek, first couple of pages: https://personal.vanguard.com/funds/reports/q840.pdf?2210073338 "For the 12 months ended December 31, 2012, returns for Vanguard Total Bond Market Index Fund ranged f...

It is difficult not to be skeptical when any arm of the financial industrial complex tells you you're getting a better deal. However Fidelity runs a good operation and that lower expense ratio is pure benefit to you so ---- be happy its another win for the little guy.

1. Current valuations say: Lots of international 2. The trend is your friend [momentum]: US 3. Historic Sharpe: 40% international, roughly as I recall [too early to look, only one cup of coffee so far...] 4. Global cap, roughly, rounded,: 55% international 5. VG study: 20-40% international is suffic...

umfundi wrote:How about this? Portfolio is 100% GLD. SPY is 100% SPDR S&P 500 ETF Trust.

Keith

That's great, thank you Keith. I really need to update my forum posting skills....

To answer the OPs question: Those that use gold due to PP or at some long term fixed portfolio amount are surely still doing what they do. Gold is volatile. The recency and performance chasing crowd has found a new love - maybe US mid cap value? That's been doing well. :D nisiprius [or anyone else m...

I admit to being on the conservative side with the AA. My question, however, is why are you making your options binary? You can have any US:INT split you want irrespective of the bond component [or lack thereof]. It seems you're considering "A" or "B" when you have many other opt...

Read Benoit Mandelbrot.

Recommendation #1: The (mis)Behavior of markets - A fractal view of risk, ruin and reward authored by Mandelbrot and Hudson.

Here's a prelude:

http://users.math.yale.edu/~bbm3/web_pd ... relude.pdf

The most ridiculed part of that article appears to be: "For many American families with wealth, the moment when their children learn how much money they have at their disposal causes profound anxiety. They fear that their children will not know what to do with the money and either squander it ...

sscritic wrote:Where was the S&P 500 on March 29, 1983? Where is it today?

Note: I understand recency. Picking the historic high as the end point is cheating, but what choice do I have?

None - you fight fire with fire.

Ken French has quite a bit of data available at this site at Tuck:

http://mba.tuck.dartmouth.edu/pages/fac ... brary.html

Sorry OP but I really don't like telling people what to do [or not do]. But I really like to say: "It's your money, do what you want".... FWIW

Just quick thoughts The ONLY cases where Vanguard has advantages are in the two funds that are pure commodities--basically the DFA and the Vanguard funds are virtually identical with costs being the difference. They are the 500 index fund and DFAs Large Cap Fund and the two REITS--the difference in...

Other than a bit of US SV I haven't bought anything but international since... last November, October? Something like that. Like many I've been selling US to buy international but new funds are mainly going to FI. The 'stay in balance' dance continues on as always...

Our finances are in great order. And somehow now I'm having a crisis... ...It leaves me feeling kind of powerless. The days when I could pack a lunch every day for a month rather than eating out and watching its impact on my wealth are gone... I'm not as comfortable as I would like to be. The "...

Ask the Cypriots. No, that's not a political statement.

Delaying gratification pays off in an additional manner that instant gratification does not. Instant gratification = immediate reward. The end. Delayed gratification = anticipation, then reward. The anticipation is a pleasurable experience. Those who reap more pleasure from anticipation are better a...

That's what happened alright. How are my old shares doing? Yours are just fine, in case you've been wondering about them. They were a little under the weather for a while, but all recovered now. :happy 8949s - well, it wasn't too bad for me this time around. The good thing is now all my taxable sha...

1. If you have no job be happy you have a large EF. Reconsider the EF size once you have your next job. 2. I would start buying I Bonds and perhaps some CDs in taxable if/as needed. Not like there are fabulous FI options right now. 3. You have a somewhat low equity AA combined with an international ...

While we're at it you can click on this link and compare all three of these by looking in the second table from the top:

https://indices.barcap.com/index.dxml

Just more info if you're interested.

I added a bit to my original post in case you were interested. You have access to a good fund for "3 fund" purposes and you should use it IMHO.

Assuming you aren't leaving out some important detail I would use that BARCAP-tracking bond fund in the 401 for my bond allocation. That is perfectly acceptable in the 3 fund. Vanguard TBM used to track the BARCAP as far as I recall [until '09 or so]. OK, I'll go look: "**Barclays U.S. Aggregat...

Love the Boglehead approach but am concerned when I see talk of recommended retirement Safe Withdrawal Rates below 3%, even 2%. If you blow through retirement savings by 70, you failed. However - and this is equally important - if your estate grew or remained stable from 60 to 90 years old, you als...

Word around the forum is that a $5,000 watch is a real game changer.

I like VXUS better, because it includes small caps, but I own the mutual fund equivalent of VEU in taxable because of a terrific tax-loss harvesting opportunity I had last summer from the VXUS mutual fund equivalent. Calculated as a percentage of my overall retirement portfolio that leaves me a lit...

1) Sure. If cap gains are not an issue you could simplify the taxable if you want to. All of those really small allocations (and that one individual stock) aren't going to move the needle. 2) Nothing major. 3) Many of us do not agree with that logic. I think of 20% as the bare minimum international ...

I think there is a way to get money to VBS side directly. If you have a Vanguard Advantage account set up for VBS, you can do a push of funds from another financial institution into VBS. Usually, for most financial institutions, money pushed in from an external source do not have holds placed on th...

You can solve this problem of funding by 1) have the funds at Vanguard before purchasing the ETF, or 2) apply for a margin account at VBS. #1 - that is the inconvenience that the trading method avoided. #2 - this is an IRA account, and according to vanguard: "Margin investing is allowed only w...

VIPIX - Institutional shares - ER 0.07 - Total Return 6.87% VAIPX - Admiral shares - ER 0.11 - Total Return 6.90% In the OP's example, all funds have the same ER (at least to the nearest bp). That really is curious. Not really significant or anything but curious.... On the OPs two funds I got as fa...

What is the ER difference? For example:

VG 500 investor shares: ER .17 / SEC yield 2.04

VG 500 Admiral shares: ER.05 / SEC yield 2.16

I'm having trouble with this whole thread. Why would someone buy something without having the funds available to pay for it? Now this does not work, and you're complaining? I initiate a purchase into one of my sweep accounts today, 03/21. In one of the overnight ACH runs my actual, real money depar...

http://www.bogleheads.org/forum/viewtopic.php?f=1&t=113056&newpost=1646922 Here's a link to the other thread. I put in a buy for VSS and will try to fund the MMF when it executes and will see what happens. Assuming you are funding with outside funds as I did be on the look out for that 'cas...

I took a graduate federal income taxation class once upon a time. I guess I'm trying to get my moneys' worth by doing it myself or I'm just a glutton for punishment.

Two days ago, I had sent a secure email to VBS regarding MMF sweep when depositing new funds by ACH. I received the reply today. Here's the relevant part of the reply: In your example the $5,000 will be swept on the settlement date to cover the purchase of the ETF trade. There is a 7 calendar day h...

VXUS is generally considered the superior choice.

Incorporating high quality munis into the FI allocation may also give an investor more flexibility with how they use their [often limited] tax advantaged space. That’s nothing to sneeze at.

Hello, I'm thinking about investing a small amount of funds into FNMA and selling at cob today or tomorrow. It's up over 25% today and 200% in the last 5 days. :shock: I know this isn't the Boglehead thing to do, but what do you think about this? Hard to resist the temptation. What could possibly g...