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Re: Vanguard Reaches $3 Trillion In Assets, matching Hedge F

Vanguard Reaches $3 Trillion In Assets, Matching Entire Hedge-Fund Industry Courtesy Kirsten Grind & Wall Street Journal http://blogs.wsj.com/moneybeat/2014/09/18/vanguard-reaches-3-trillion-in-assets-matching-entire-hedge-fund-industry/ Thanks for posting the link!! Will share with my family!!!
by BornInCA
Fri Sep 19, 2014 11:49 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Reaches $3 Trillion In Assets, matching Hedge Funds
Replies: 12
Views: 1323

Re: AliBaba

Reminds me of the Facebook IPO!! I wonder how those who bought Facebook at IPO day fared :?:
by BornInCA
Fri Sep 19, 2014 11:46 pm
 
Forum: Investing - Theory, News & General
Topic: AliBaba
Replies: 85
Views: 4232

Cross Reference - ACCT Made Simple with ACCT Principles

ACCT = Accounting Mr. Piper, I'm taking the first of two "Principles of Accounting" classes. For both these classes, I'm using this text: Accounting Principles, 11th edition by Jerry J. Weygandt, Paul D. Kimmel, Donald E. Kieso As I progress though these courses and take more advanced acco...
by BornInCA
Sun Feb 09, 2014 4:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cross Reference - ACCT Made Simple with ACCT Principles
Replies: 1
Views: 162

Careers (Business, Finance, Economics, Information Tech)

After starting a new thread on this, I saw this thread so I was wondering if it would be fine to post here as well. I am curious what careers under the umbrellas of Business, Finance, Economics, and Information Technology that people who believe in the Bogleheads’ philosophy of investing have pursue...
by BornInCA
Tue Sep 03, 2013 11:38 am
 
Forum: Investing - Theory, News & General
Topic: YOUR QUESTIONS FOR THE EXPERTS PANEL
Replies: 63
Views: 8493

Careers (Business, Finance, Economics, Information Tech)

Hi, I am curious what careers under the umbrellas of Business, Finance, Economics, and Information Technology that people who believe in the Bogleheads’ philosophy of investing have pursued or are pursuing. At the risk of asking questions that have been asked before and under the 4 aforementioned um...
by BornInCA
Tue Sep 03, 2013 11:35 am
 
Forum: Personal Consumer Issues
Topic: Careers (Business, Finance, Economics, Information Tech)
Replies: 1
Views: 384

Re: What did Bogleheads do when the stock market crashed?

I handled my TSP differently in 2009 than normal. Normally, I contribute the IRS limit divided by 26 pay periods on a bi-weekly basis. In 2009, I "front-loaded" meaning I contributed 3-4x as much in the first 3-4 pay periods of 2009. After the 4th pay period, I reduced the contribution to ...
by BornInCA
Tue Jul 30, 2013 8:52 am
 
Forum: Investing - Theory, News & General
Topic: What did Bogleheads do when the stock market crashed?
Replies: 127
Views: 80075

Re: The Perils Of Picking Past Winners

I think "Consumer Reports" beat you to the punch on this one ;)

Top performing stock funds usually don't stay that way
by BornInCA
Mon Jul 22, 2013 1:38 pm
 
Forum: Investing - Theory, News & General
Topic: The Perils Of Picking Past Winners
Replies: 28
Views: 2011

Vanguard Coverdell ESAs

Question for Vanguard:

When will Vanguard allow parents to establish Coverdell ESA accounts? Why is Vanguard still not allowing Coverdell ESA accounts to be established at this time?
by BornInCA
Sat Jul 20, 2013 9:42 pm
 
Forum: Investing - Theory, News & General
Topic: YOUR QUESTIONS FOR THE EXPERTS PANEL
Replies: 63
Views: 8493

Re: Splitting Growth And Value Leads To A Worse Return

What if a US equity portfolio was equally split this way?
25% US Stock market index
25% US Large Cap Value
25% US Small Cap Blend
25% US Small Cap Value

It's a 4-way split among the "funds" but it's a tilt towards "small" and "value", is it not?
by BornInCA
Mon Jul 15, 2013 1:36 pm
 
Forum: Investing - Theory, News & General
Topic: Splitting Growth And Value Leads To A Worse Return
Replies: 20
Views: 2376

Re: Young, Dumb, and trying to learn!

I am sure I am being stupid... I looked at the stickies but I am sure I am missing something you guys will need to help, so please go gentle on me : 26 dumb? You gotta be kidding me. Most older folks would envy you for posting. The fact that you stumbled upon this website shows that you are interes...
by BornInCA
Sat Jul 13, 2013 9:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Young, Dumb, and trying to learn!
Replies: 19
Views: 1770

Re: Sub-emerging Markets: All that's left is the crying

Emerging market stock and bond funds have been hammered this year. The Vanguard FTSE Emerging Markets ETF (VWO) is down 11% and it's at a cumulative loss for the past 2-years. My how things change. Weren't emerging market supposed to be the saving grace of investor's portfolios? Rick Ferri I always...
by BornInCA
Mon Jul 01, 2013 2:06 pm
 
Forum: Investing - Theory, News & General
Topic: Sub-emerging Markets: All that's left is the crying
Replies: 62
Views: 6278

Re: Best asset allocation book to read?

How about "Asset Allocation for Dummies"? :P
by BornInCA
Mon Jul 01, 2013 1:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best asset allocation book to read?
Replies: 21
Views: 1880

Re: Washington DC Area Bogleheads

Reposted links:
Scottevest
Missile Guidance System -- scroll down close to the bottom and download "guidance.wav" file. I think it's funnier when you hear it than when you read it
by BornInCA
Fri May 24, 2013 10:38 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Archived master thread for Washington DC Area Bogleheads
Replies: 174
Views: 62979

Re: Washington DC Area Bogleheads

what happened to the posts since the last meeting (May 2013)?
by BornInCA
Fri May 24, 2013 8:39 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Archived master thread for Washington DC Area Bogleheads
Replies: 174
Views: 62979

Adding funds over time

I was also wondering the same thing for adding money to IRAs over time one fund at a time starting at $3000 and adding funds to the fund till $10000 is reached (unless otherwise noted). Here's the priority order I'm implementing for my wife's IRA: 1.) Total Stock Market Index 2.) Total International...
by BornInCA
Tue Apr 23, 2013 12:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do small cap value tilters need REITs?
Replies: 45
Views: 5172

Re: Approximating VXUS with TSP's I Fund and ETFs in IRAs

I was looking at the example list in this link: Approximating Total International Stock Market I found an error: For TSP I Fund Investors or any investor with a MSCI EAFE Index fund: 61.12% Vanguard Developed Markets Index Fund (VDMIX) (0.20%) 17.19% Vanguard Emerging Markets Stock Index (VEIEX) (0....
by BornInCA
Tue Apr 23, 2013 11:55 am
 
Forum: Investing - Theory, News & General
Topic: Approximating VXUS with TSP's I Fund and ETFs in IRAs
Replies: 3
Views: 1030

Re: Let's stop worrying about bonds.

Bogleheads: Many investors are worried about their bond allocation. I find it helps to look at history: Vanguard's Total Bond Market Index Fund was started by Jack Bogle, our mentor, in December, 1986. It is a very diversified, high-quality, intermediate-term bond index fund that tracks Barclays US...
by BornInCA
Mon Mar 25, 2013 3:49 pm
 
Forum: Investing - Theory, News & General
Topic: From Vanguard: The bond market: Challenges ahead
Replies: 17
Views: 1897

Re: [POLL] What would you like Vanguard to change or improve

I completely forgot... I'd like to see Vanguard lower their mutual fund purchase minimums across the board. Maybe not all the way to Schwab's $100, but maybe to $1000 for all of their "core" index funds, and maybe even to $500 for their "core" index funds (Total Stock, Total Bon...
by BornInCA
Mon Mar 25, 2013 3:38 pm
 
Forum: Investing - Theory, News & General
Topic: [POLL] What would you like Vanguard to change or improve?
Replies: 92
Views: 6969

New index funds, enable trust setup, low minimums for LS fun

Other: 1.) if the STAR fund and the Target Retirement funds have a $1000 minimum, why not have a $1000 minimum for the LifeStrategy funds instead of $3000? 2.) create index funds for International Large Value, International Small Cap Value, Emerging Markets Large Cap Value, Emerging Markets Small Ca...
by BornInCA
Wed Mar 20, 2013 10:32 am
 
Forum: Investing - Theory, News & General
Topic: [POLL] What would you like Vanguard to change or improve?
Replies: 92
Views: 6969

Re: Washington DC Area Bogleheads

any referrals to some good CPAs/tax advisors would be helpful

thanks in advance!!!
by BornInCA
Sat Mar 16, 2013 11:04 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Archived master thread for Washington DC Area Bogleheads
Replies: 174
Views: 62979

Re: Paying off mortgage Versus 529 Plan

other than paying off the mortgage, retirement, and kids' colleges, do you have other financial goals such as car purchases, home improvements, vacations, and kids's weddings after college graduation? those may need to be factored in. Perhaps investing in taxable (50-100%) would be best. 529s you sh...
by BornInCA
Sat Mar 16, 2013 1:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying off mortgage Versus 529 Plan
Replies: 9
Views: 1149

Re: Equity portfolio with 4 VG funds instead of 2

I am curious on people's thoughts on evenly divided portfolio of 4 Vanguard funds. I know the popular one is "only 2 Vanguard funds are needed for the equity side of the portfolio: Vanguard Total Stock Market Index (VTSMX/VTSAX/VTI) and Vanguard Total International Stock Index (VGTSX/VTIAX/VXU...
by BornInCA
Sat Mar 16, 2013 1:28 pm
 
Forum: Investing - Theory, News & General
Topic: Equity portfolio with 4 VG funds instead of 2
Replies: 11
Views: 1407

Re: Fama/French example portfolio

I posted a 4 Vanguard fund equity portfolio a few weeks ago:
viewtopic.php?f=10&t=111362

I wonder how that is for a simple low-fee low-maintainence FF equity portfolio
by BornInCA
Sat Mar 16, 2013 9:33 am
 
Forum: Investing - Theory, News & General
Topic: Fama/French example portfolio
Replies: 8
Views: 1166

Re: Why Emerging Markets doing poorly so far in 2013?

maybe because they've been doing better than other markets for awhile and they're due for a breather. i always considered them to be more volatile than other markets. that's part of the reason i use veiex as the fund to contribute to my IRA on a bi-weekly basis. ;)
by BornInCA
Fri Mar 15, 2013 4:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why Emerging Markets doing poorly so far in 2013?
Replies: 14
Views: 2581

Re: Ron Delegge vs John Bogle on ETFs?

Ketawa wrote:Vanguard has only one Emerging Markets fund


Now they got 2. here is their second one
Vanguard Emerging Markets Select Stock Fund VMMSX
https://personal.vanguard.com/us/funds/ ... IntExt=INT
by BornInCA
Fri Mar 15, 2013 12:07 pm
 
Forum: Investing - Theory, News & General
Topic: Ron Delegge vs John Bogle on ETFs?
Replies: 11
Views: 1239

Re: Ron Delegge vs John Bogle on ETFs?

http://money.cnn.com/2010/12/31/pf/investing/jack_bogle.moneymag/index.htm I like the Vanguard Total Stock Market mutual fund, but if you want to buy the ETF version of it and hold it for a long, long time, up to forever, how could I argue against that? The trouble is, when you buy something for the...
by BornInCA
Fri Mar 15, 2013 11:57 am
 
Forum: Investing - Theory, News & General
Topic: Ron Delegge vs John Bogle on ETFs?
Replies: 11
Views: 1239

Ron Delegge vs John Bogle on ETFs?

Ron Delegge has stated "Why Bogle is dead wrong on ETFs" http://m.advisorone.com/2013/03/12/delegge-why-bogle-is-dead-wrong-on-etfs?ref=hp Bogle's response to Delegge was "It is you who are dead wrong" http://m.advisorone.com/2013/03/12/bogle-to-delegge-on-etfs-it-is-you-who-are-...
by BornInCA
Thu Mar 14, 2013 11:24 pm
 
Forum: Investing - Theory, News & General
Topic: Ron Delegge vs John Bogle on ETFs?
Replies: 11
Views: 1239

Re: For Windows 8, is a touchscreen laptop preferable?

Let me acknowledge the existence of iPads, iOS, Ubuntu, Android, Chromebook, Samsung Galaxy, Windows 7, and move on. They're not relevant to my question. Take the given to be "a laptop with Windows 8." Neither I can think of nor am I aware of any benefit of Windows 8 without the touchscre...
by BornInCA
Wed Mar 13, 2013 3:15 pm
 
Forum: Personal Consumer Issues
Topic: For Windows 8, is a touchscreen laptop preferable?
Replies: 39
Views: 2086

Re: Where does GLD, SLV or any other commodities fit...

chaz wrote:Not in a 3 fund portfolio.


I agree "Not In". ;) How about "On Top" with the "3 fund portfolio" serving as the base? I'd say Commodities should max out at 5% of all one's investments. 0% would be fine as well.
by BornInCA
Wed Mar 13, 2013 3:08 pm
 
Forum: Investing - Theory, News & General
Topic: Where does GLD, SLV or any other commodities fit...
Replies: 35
Views: 1378

Re: If you have the TSP, should it be a 6-fund portfolio?

One might not have the opportunity to literally hold only 3 funds in a portfolio (or across accounts), the spirit and intent of a three fund portfolio can inform one's fund selection, regardless. Maybe it's just me, but I still consider such portfolios to be "3 fund". If the number of fun...
by BornInCA
Tue Mar 12, 2013 9:11 am
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 893
Views: 351502

Re: Why should young people invest in bonds at all?

Valuethinker, Agree that paying down high-interest-rate debt is a great investment,whether you are young or old. I wrote a blog post on exactly this point: Paying Down Debt as an Investment . I would even place a higher priority on paying down high-interest-rate debt than contributing to retirement...
by BornInCA
Mon Mar 11, 2013 6:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why should young people invest in bonds at all?
Replies: 87
Views: 7854

Re: Passive Investing Doesn’t Exist, But So What?

It's all a question of degree, Taylor. It's not where others draw the line, it's where YOU draw the line. :D Well, what is "passive"? Is adding money to a mutual fund on a regular basis (weekly, bi-weekly, monthly, quarterly, etc.) "active" or "passive"? The decision t...
by BornInCA
Mon Mar 11, 2013 2:09 pm
 
Forum: Investing - Theory, News & General
Topic: Passive Investing Doesn’t Exist, But So What?
Replies: 26
Views: 2133

Re: Tax Deferred/Roth Accounts and the Foreign Tax Credit

earlyout wrote:Or to ask the question another way, are the foreign taxes paid by the mutual fund included in the expense ratio of the fund?


Sounds like a question to ask the fund company. ;)
by BornInCA
Mon Mar 11, 2013 12:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax Deferred/Roth Accounts and the Foreign Tax Credit
Replies: 8
Views: 1259

Re: Passive Investing Doesn’t Exist, But So What?

Well, what is "passive"? Is adding money to a mutual fund on a regular basis (weekly, bi-weekly, monthly, quarterly, etc.) "active" or "passive"? Here's why it can be called "passive" -- For a particular mutual fund, the investor sets a fixed schedule where bo...
by BornInCA
Mon Mar 11, 2013 12:34 pm
 
Forum: Investing - Theory, News & General
Topic: Passive Investing Doesn’t Exist, But So What?
Replies: 26
Views: 2133

Re: Vanguard High-Yield Corporate Fund

It wouldn't "make sense" if you were looking for exposure to high yield. You could invest in a high yield ETF like JNK which is an index with a ER of .40 while you wait for Vanguard to reopen. I doubt the outcome would be very different from being in VWEHX now. Personally I think the inde...
by BornInCA
Mon Mar 11, 2013 12:24 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard High-Yield Corporate Fund
Replies: 14
Views: 2864

If you have the TSP, should it be a 6-fund portfolio?

I don't think a 3-fund portfolio would be adequate when the government's Thrift Savings Plan (TSP) constitutes a majority of one's life savings. The Thrift Savings Plan: 1.) Doesn't have a Total Stock Market (TSM) Index Fund. You have to build your own U.S. TSM from the allocations to the "C Fu...
by BornInCA
Mon Mar 11, 2013 12:08 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 893
Views: 351502

Young person's simple bond portfolio

I'm wondering if this is a good idea for simplicity: For tax-shielded retirement accounts: Vanguard Total Bond Market Index For taxable accounts: Vanguard Short-Term Bond Index I came up with this for a multitude of reasons: 1.) Young people don't have much to save and invest in their early years. B...
by BornInCA
Mon Mar 11, 2013 11:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Why should young people invest in bonds at all?
Replies: 87
Views: 7854

Re: Tax Deferred/Roth Accounts and the Foreign Tax Credit

If you have the Thrift Savings Plan (which I and all Federal employees have), the "I fund" is the cheapest international fund anywhere. That's one reason to hold international in tax-deferred instead of taxable. However, the TSP and "I fund" have its drawbacks: 1.) Canadian equit...
by BornInCA
Mon Mar 11, 2013 11:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Tax Deferred/Roth Accounts and the Foreign Tax Credit
Replies: 8
Views: 1259

Re: Vanguard High-Yield Corporate Fund

It will be a while. I don't anticipate HY opening again until after credit spreads widen, interest rates jump, and no one wants to invest in it anymore. Rick Ferri If someone really wants to add HY to a long term portfolio using only Vanguard High-Yield Corporate Fund (VWEHX/VWEAX) and since it's c...
by BornInCA
Mon Mar 11, 2013 10:55 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard High-Yield Corporate Fund
Replies: 14
Views: 2864

Re: Bogleheads' DRM-free e-books available?

Buy Once, Read Everywhere Exactly what I want to do. Will it work on Kindle? I would like to click on the Amazon link and purchase the "Bogleheads' Guides.." on Kindle so a referral fee will to go to support Bogleheads. BUT I only want to purchase once and read everywhere. What's holding ...
by BornInCA
Thu Mar 07, 2013 8:53 am
 
Forum: Investing - Theory, News & General
Topic: Bogleheads' DRM-free e-books available?
Replies: 18
Views: 2053

Re: 529 and ESA which one to tap first?

If you have a 529 and an ESA for your kids college which one would you tap first, all other things being equal? I'm assuming it's for college. Is the student eligible for the HOPE scholarship? If the answer is "no", I'd tap Coverdells first. Otherwise, I'm not sure. When choosing either o...
by BornInCA
Tue Mar 05, 2013 12:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529 and ESA which one to tap first?
Replies: 3
Views: 194

Re: Bogleheads' DRM-free e-books available?

Buy Once, Read Everywhere Exactly what I want to do. Will it work on Kindle? I would like to click on the Amazon link and purchase the "Bogleheads' Guides.." on Kindle so a referral fee will to go to support Bogleheads. BUT I only want to purchase once and read everywhere. What's holding ...
by BornInCA
Tue Mar 05, 2013 12:47 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads' DRM-free e-books available?
Replies: 18
Views: 2053

Re: Could bogleheads vote on Top 10 "asks" of Vanguard?

My top asks 1) Bring back coverdells! pretty please! seriously. +1 I'm with you there. BRING BACK THE COVERDELLS!! PLEEEEEEEEZE!!!! :happy Vanguard is my 1st choice for coverdells. TD Ameritrade is my 2nd since I can purchase Vanguard ETFs commission-free. Besides my health savings account custodie...
by BornInCA
Tue Mar 05, 2013 12:43 pm
 
Forum: Investing - Theory, News & General
Topic: Could bogleheads vote on Top 10 "asks" of Vanguard?
Replies: 100
Views: 6558

Re: Bogleheads' DRM-free e-books available?

Nope. It's up to the publisher, not the authors. Wiley has recently partnered with O'Reilly to offer DRM-free technology books, but they have not said anything about adding the rest of their catalogue. FWIW, tech books have built-in obsolescence, so publishers are more willing to cut the DRM string...
by BornInCA
Fri Mar 01, 2013 8:10 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads' DRM-free e-books available?
Replies: 18
Views: 2053

Rick Ferri's view on ETFs

just read the blog below: http://www.rickferri.com/blog/investments/how-i-view-etfs/?utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A+RickFerri+%28Rick+Ferri+Blog%29 what jumped out at me was: "I first became interested in ETFs in 2006 while working as a broker at Smith Barney...
by BornInCA
Thu Feb 28, 2013 5:16 pm
 
Forum: Investing - Theory, News & General
Topic: Rick Ferri's view on ETFs
Replies: 3
Views: 1122

Re: "Time to say goodby to the lost decade"

Before reading Taylor's post, I read the Vanguard post and found it interesting, especially the tagline. But the hardest thing which is more trickier than it sounds is calculating your own rate of return. I can't count on getting returns that match the numbers for any period of time in question. It'...
by BornInCA
Tue Feb 26, 2013 7:56 am
 
Forum: Investing - Theory, News & General
Topic: "Time to say goodby to the lost decade"
Replies: 48
Views: 5403

Re: Vanguard's market timing fund.

jwblue: In November, 1988, Vanguard opened a market-timing fund which they named "Asset Allocation Fund." In February, 2012, Vanguard eliminated this underperforming fund. Best wishes Taylor Why did Vanguard ever include this fund as part of its LifeStrategy funds? What was their idea at ...
by BornInCA
Mon Feb 25, 2013 3:07 pm
 
Forum: Investing - Theory, News & General
Topic: Are there any mutual funds that try and time the market?
Replies: 16
Views: 1230

Re: So what will people do? [if bond bubble bursts]

EternalOptimist wrote:If the so-called bond bubble bursts, what do you think most people will do--1)nothing, 2)move some to cash, 3)move a lot to cash, 4)move some to equities, 5)move a lot to equities :?:


Run to Gold? :greedy
by BornInCA
Mon Feb 25, 2013 3:04 pm
 
Forum: Investing - Theory, News & General
Topic: So what will people do? [if bond bubble bursts]
Replies: 66
Views: 5126

Re: Allan Roth's 5% income strategy

Isn't this similar to Roth's other post "Build Your Own Annuity", 93% CDs and 7% VTI (or something like that)?
by BornInCA
Mon Feb 25, 2013 3:01 pm
 
Forum: Investing - Theory, News & General
Topic: Allan Roth's 5% income strategy
Replies: 34
Views: 3531

Re: Are there any mutual funds that try and time the market?

baw, the STAR fund is fixed in that it has precise percentages given to the various asset classes. It is actually an excellent fund as far as active funds go. The ER is relatively low. My daughter is in it because when we started a ROTH for her at about age 15, it was the only one accepting less th...
by BornInCA
Mon Feb 25, 2013 9:03 am
 
Forum: Investing - Theory, News & General
Topic: Are there any mutual funds that try and time the market?
Replies: 16
Views: 1230
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