Bogleheads.org

Epsilon Delta wrote:I'm looking at Roth IRA as an emergency fund and I believe there are some math errors in the "Case Study"

Thanks, check and verify if the figures are now correct: Roth IRA as an emergency fund - Bogleheads

regards,

Hi:

I have created a google drive presentation document for The Bogleheads Investment Philosophy. It is open to the public for editing, so go ahead and fill it in. Slides with tables and charts are more than welcome.

Bogleheads Investment Philosophy - Google Drive

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Hi: In the process of updating wiki pages (as usual, help with updating is always welcome) See: Three-fund portfolio - Bogleheads Bogleheads® investment philosophy - Bogleheads Vanguard Target Retirement Funds - Bogleheads Vanguard LifeStrategy Funds - Bogleheads The most recent edits are accessible...

Hi:

I have added a few more touches : S&P 500 Index. Still open for anyone to edit.

regards,

HI:

Fiddling around with google, I have started the following, which is published and open to the public for editing. Everyone is welcome to edit:

S&P 500 index - Google Drive

regards

HI:

Recently revamped wiki page: The 2008 money market crisis - Bogleheads

regards,

Hi: The BYU Marrriott School has an on-line basic personal finance course that can provide a template for potential topics. The link is to the intermediate level of topics: Intermediate Lessons | Personal Finance . (Naturally, one can skip the topic elaboration directly tied to religious precepts). ...

Hi: For all interested in this venture, allow me to make the following invitation. To facilitate maximum access to all media for this project we invite everyone to have wiki access. The forum administration set the guideline that wiki access could not be wide open to anyone, but would have to manual...

Hi: Why does India lack Bogleheads? , For one, thus far, it has been easy for Indian fund managers to beat their benchmark indices. John Bogle, legendary investor and founder of Vanguard, is not just a trendsetter but almost a revolutionary in the funds industry. At a time in the US when investors b...

Hi : In a 5 -0 vote, the SEC on 6/5/2013 announced that they will propose rules that would reform the way that money market funds operate. The SEC’s proposal includes two principal alternative reforms that could be adopted alone or in combination. One alternative would require a floating net asset v...

HI: Notice from prospectuses of the Vanguard balanced fund of funds that will be establishing allocations to the Vanguard Total International Bond Index Fund: The reallocation from domestic bonds to foreign bonds will occur in three stages. First, each Target Retirement(/LifeStrategy) Fund will rede...

Bogleheads: Is anyone concerned about the initial "market impact" when Vanguard begins buying million's (perhaps billions) of dollars of international bonds for the new international bond fund? http://en.wikipedia.org/wiki/Market_impact Best wishes. Taylor From the Bank of International S...

HI: Please refer to the wiki page, Emerging Market Bonds - Bogleheads , and take note of the performance of the Barclays USD EM Bond Index over the period of time Nisi devotes to measuring active fund performance. The index annual performance has been less volatile than active fund performance (high...

Hi: EBRI has published its most recent examination of the U.S Individual Retirement Account system. Individual Retirement Account Balances, Contributions, and Rollovers, 2011: The EBRI IRA Database , May 2013 EBRI Issue Brief #386 . Executive Summary Individual retirement accounts (IRAs) are a vital...

Note the subtle qualifier:

"Now, of these 500 stocks, 490 of them virtually remained flat or went down. Only 10 stocks went up...."

regards.

Hi:

Thanks. corrected the error.

Hi:

Keep in mind that the conservative, moderate, and aggressive paradigm for target date funds is a long standing, common feature of age-based target date funds offered in 529 college savings plans.

regards,

Hi: Counterpoint provided in this 2011 paper, examining performance of inflation hedging portfolios including (1) publicly traded equity REITs as measured by the FTSE NAREIT All Equity REITs Index; (2) commodities as measured by the S&P Goldman Sachs Commodity Index (GSCI); (3) TIPS as measured ...

Hi Kelvin: You may not be aware that we attempt to document Boglehead conventions in our site's wiki, primarily as a means of recording these events for the historical record . See Bogleheads® Convention Meetings - Bogleheads . I have started a wiki page documenting the recently concluded Taiwan con...

Hi Nisi:

From wikipedia: 1997 Asian financial crisis - Wikipedia, the free encyclopedia

From SSRN: Search Asian contagion: 188 papers Search eLibrary :: SSRN

regards,

Hi: For our Asian contingent. News release: Leading Fund Manager Vanguard Unveils Hong Kong-domiciled Asia ex Japan Equity ETF ,Hong Kong, May 15, 2013 - (ACN Newswire) The first Hong Kong-domiciled exchange traded fund (ETF) to be offered by The Vanguard Group, Inc. (Vanguard), the world's largest ...

Hi: Although I am not personally familiar with SERPs, here is some information I have managed to put together. Investopedia defines a SERP: Definition of ' S upplemental E xecutive R etirement P lan - SERP' A non-qualified retirement plan for key company employees, such as executives, that provides ...

HI all: May 13, 2013 marks the fifth anniversary of the founding of the Bogleheads Wiki . As is customary, we issue an annual report to the forum readership on this date, giving everyone a glimpse at the statistical measures of wiki page creation, editing, and readership. We list the wiki's favorite...

Hi: Relevant fundamental material from the wiki Fiduciary Transfers - Bogleheads SIMPLE IRA Transfers Although SIMPLE IRA's comprise a small part of the employer-provided qualified plan universe, they are unique in being the sole plan that currently permits the individual employee to execute in-serv...

I'm sorry, I should have given more information. My first contribution to the SIMPLE on 4/4/12. I want to make sure that once the 2 years are up, I can transfer funds from a Vanguard SIMPLE to a Vanguard Traditional IRA, and close the SIMPLE account. I wasn't sure if I could make this transfer at t...

If I start a SIMPLE at Vanguard, next year I can roll those assets into a Traditional IRA at Vanguard, correct? Then after that I can roll the contributions at EJ directly into the Traditional IRA at Vanguard? I'm sorry for all of the questions, but I'm going to get charged $40/year to have my SIMP...

I checked with my employer and we have a form 5305-SIMPLE. I have a few additional questions. If I start a SIMPLE at Vanguard and transfer everything into that, can I roll the Vanguard SIMPLE into a traditional IRA when the 2 year requirement is up? After 2 years of being in the plan, can I roll co...

Hi: New whitepaper from Vanguard Institutional: Vanguard - Vanguard's framework for constructing diversified portfolios Executive summary. Most investment portfolios are designed to meet a specific future financial need—either a single goal or a multifaceted set of objectives. To best meet that need...

Hi: Relevant fundamental material from the wiki Fiduciary Transfers - Bogleheads SIMPLE IRA Transfers Although SIMPLE IRA's comprise a small part of the employer-provided qualified plan universe, they are unique in being the sole plan that currently permits the individual employee to execute in-serv...

Hi:

We have a wiki page devoted to the tax characteristics and history of the Vanguard Total Stock Market Index Fund :Vanguard Total Stock Market Index Fund Tax Distributions - Bogleheads.

regards,

Hi: There has been no fundamental difference in the expense ratios of Vanguard's domestic index funds. The drop in the expense ratios is due to the fact that the CRSP indexes that the funds now track do not include Business Development Companies (please refer to Business Development Company - Bogleh...

Hi: Check out Vanguard exec teases free ETFs The Vanguard Group Inc. has become the first U.S. ETF company to raise the possibility of funds with no expenses, according to a Financial Times report. “I would like to think the cost of investing [in ETFs] could come down to zero,” Nick Blake, head of r...

Hi Scooter: if you check for details on the long term (plus five year holdings) in the Vanguard Limited Term Tax Exempt fund, you will find that most of them are VDRO's (Variable Rate Demand Obligations), see Municipal Securities Rulemaking Board::EMMA A variable rate demand obligation (VRDO) is a m...

Hi: Vanguard provides a look at target date fund adoption in employer provided contributory retirement plans : Vanguard - Target-date fund adoption in 2012 In 2012, more than one-third of participants in defined contribution (DC) plans for which Vanguard provides recordkeeping were invested in a pro...

Hi:

In the wiki : SPIVA scorecards - Bogleheads

regards,

Hi Dr. Bill: I have tried to get index provider return data (annual) for the wiki and often have had to go through hoops to get whatever data I can piece together. For what it is worth MSCI, Wilshire, and Russell have return calculators that can be somewhat helpful. CRSP has spreadsheets with daily ...

Thanks for posting my article on the Bogleheads Guide Facebook page, Mel! :beer Rick Ferri Great article showing why investors should use index funds in their portfolio to gain financial independence. I thought it should be read by every investor I could reach, Rick, so I also posted it on Mornings...

Hi: We have a new page in the wiki devoted to providing a consolidation of S&P SPIVA scorecard reports. S&P Indices Versus Active (SPIVA®) measures the performance of actively managed funds against their relevant S&P index benchmarks.[1] SPIVA scorecard reports have been issued covering ...

Hi Taylor:

You might find these articles from William Bernstein's Efficient Frontier to be helpful:

Efficient Frontier
The Dunn�s Law Review
Dunn�s Law Review�Foreign Funds

regards,

Hi: You can laboriously gather historical data for Vanguard funds through the SEC EDGAR filing system. Here is the link: Vanguard . Fund returns can be accessed through the annual report filings. For years prior to 2003 you will need to search for the N-30D reports. (Here is an example of such a sea...

Hi: With the expansion of Bogleheadism (sic) to the investing public of Taiwan (see the upcoming Taiwan Bogleheads Conference ) I have attempted to provide some hopefully helpful resources for Taiwan investors in a number of wiki pages. These new wiki pages provide information on Taiwan benchmark in...

Hi: In the Prospectus and Statement of Additional Information section of the Vanguard Preliminary Prospectus for the International bond index funds (May 2013) , we have the following: As of January •, 2013, the target index for the Vanguard Total International Bond Fund held a substantial percentage...

Hi: Vanguard Institutional has recently published a 40 page whitepaper, Vanguard's principles for investing success, where the fundamental principles of investment planning are examined from the Vanguard perspective. Link: Vanguard's principles for investing success , Vanguard Institutional, 03/07/2...

Hi: March 21 2012 Malkiel interview at index.universe.com. : Malkiel: Dividend & EM Bond ETFs Place To Be Burton Malkiel, the Princeton economics professor emeritus and author of the index investing classic “A Random Walk Down Wall Street,” had a lot to say about the perils of relying on U.S. Tr...

Hi: Two recent academic papers regarding International real estate. 1. Gallo, John G., Lockwood, Larry J. and Zhang, Ying, Structuring Global Property Portfolios: A Cointegration Approach. Journal of Real Estate Research, Vol. 35, No. 1, 2013. Available at SSRN: http://ssrn.com/abstract=2236254 Abst...

Hi:

Also refer to our wiki page: Frontier market stocks - Bogleheads.

regards,

Hi:

Documentation of historical highlights can be found at The Bogleheads® - Bogleheads.

regards,

Hi:

See the wiki for historical tax information regarding the LifeStrategy funds :Vanguard LifeStrategy Fund Tax Distributions - Bogleheads.

regards,

Hi: An additional link: BlackRock, Fidelity Launch ETF Partnership BlackRock, the owner of the world’s biggest ETF company, iShares, agreed to help Fidelity Investments’ in its much-anticipated efforts to become a much bigger player in the fast-growing world of index exchange-traded funds. Also, Fid...

Hi :

Wiki resources:

Vanguard Total Stock Market Index Fund Tax Distributions - Bogleheads
Vanguard LifeStrategy Fund Tax Distributions - Bogleheads

regards,