Bogleheads.org

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

what happened to the posts since the last meeting (May 2013)?

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...

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....

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...

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...

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...

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

thanks in advance!!!

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...

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...

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

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.

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

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...

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-...

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...

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.

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...

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...

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...

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.

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...

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...

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...

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...

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...

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...

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 ...

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...

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 ...

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...

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...

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...

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'...

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 ...

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?

Isn't this similar to Roth's other post "Build Your Own Annuity", 93% CDs and 7% VTI (or something like that)?

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...

How about Ken Heebner's CGM Focus fund CGMFX? ;) That's a market timing fund No it's not. That fund lost 48% in 2008. Where was the timing? Well, it's a fund that "tries and times the market". That's not a fund I recommend anyway. I never said it times the market successfully. I was just ...

How about Ken Heebner's CGM Focus fund CGMFX? That's a market timing fund

I looked at some of Trev H's messages. They're old and were posted I believe before VSS was available, Vanguard improved its Total International Index fund, Vanguard offered Admiral shares for Small Cap Value index fund, and before Vanguard changed index providers for its index funds across the boar...

What are the pros and cons of Kindle vs Nook vs Google Play vs ePub?

I just sent a secure email to Vanguard and requested that they consider offering ESAs again. I opened 2 ESAs at USAA as soon as I heard the provisions had been made permanent in the fiscal cliff legislation. I wish they had increased the $2000 contribution limit, but it is still very good news if y...

Hi, I'd like to purchase both "The Bogleheads' Guide To ...." e-books. However, I only want to purchase each of them only once and be able to read that purchase on any e-book readers and tablets I have now and that I may purchase in the future. These questions would apply to any e-books I ...

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/VXUS...

100% of my traditional IRA is in VWO (aka VEIEX). The major drawback is that it loses money and there is no way to do any tax-loss harvesting, so you eat the whole loss. This assumes that the rest of your portfolio and asset allocation makes sense. You know: US stocks, small and large, fixed income...

I also posted a thread on Vanguard Coverdell here:
http://www.bogleheads.org/forum/viewtopic.php?f=10&t=110630

I don't have a Wells Fargo/WellsTrade brokerage account. If one has an account there, are all Vanguard funds and ETFs commission-free/transaction-fee-free? Assuming the answer is "yes", I would pick one of these four funds for dollar cost averaging: 1.) Vanguard Total International Stock I...

Coverdells can be used for non-college education (e.g. private high school). Yes, but: Is there really enough time to reap investment gains and get much tax benefit? I decided not, and did not use their Coverdells for my kids' high school tuition. Keith Depends on when you decide to start funding a...

umfundi wrote:And, the reasons you are so passionate about a Coverdell (vs a 529 or a UTM) are?

Use cases will be appreciated.

Keith

I plan on having a baby this year and I would like to start contributing as soon as (s)he is born. I know it can be used for K-12 expenses unlike 529 plans.