Bogleheads.org

Retiredjg's link is a good complete answer: Cliff notes version: Dividends are taxed from a taxable account the same regardless of what you do with them, burn 'em, automatic reinvest them, give 'em away, ... whatever. So your decision really resides on what your intent is with the "new" mo...

To the OP, You could be 0% bonds, but that's not very good at risk management. In my view, AA is risk management, or rather achieving the highest risk-adjusted return possible. 100% equities does not fit that goal. Many studies show a better return with bonds. If nothing else, the bond (read: lower ...

Here's how I break my AA down: Asset class Target AA D Lg Blend 15% D Med Blend 15% D Sm Blend 7% D Sm Value 8% REIT 10% I Lg & Med Mkt 12% Emerg Mkts 5% I Sm Value 7% I Sm Mkt 6% Total bond 11% TIPS 4% Money Mkt 0% 100% I do reference M*, but don't get too wrapped around the axle. i used to hav...

Rai, This is exactly what some friends of mine do. They do it particularly with ESPP company stock, though others delve into the "volatile stocks." Over the years, they amassed a sizable amount, which they sell covered calls on. Now, the stock isn't as volatile as AAPL, and the premium is ...

Rick, What am I going to do? I'm gonna "stay on timeline". Does that bring you back to your 7523 days? If my portfolio indicates a rebalance, then I'll rebalance. If not, then I'll continue to chase the laggards with new monies. :sharebeer I'm guessing, the 5-year high will incite the gree...

Magic,

Of course!

Thank you

Folks, This is exactly the kind of discussion I was looking for! There is the simple, from Larry to describing the mathematical, logical and emotional (all the others). I thank everyone for their inputs. I can now go back to my IPS and say, this subject has been researched and I'm sticking to my bor...

Larry, Thank you for your time answering. I respect your professional knowledge you share with us (ditto a lot or you folks :D ) BBL, I suppose I was thinking once a Call was in the money, the holder would execute the option and purchase the stocks (from me) at the strike price (releasing my capital...

Hello all, Been a Boglehead since before my start date on this forum. To keep this post succinct, I'll just say I'm a true believer in our ways. The only time I sell any asset, is to rebalance; which is not done very often, currently I rebalance twice a year, 1) when I fund my Roth IRAs and 2)when m...

I have access to DFGEX (er 0.86%) in my 401k. I split my REIT AA between DFGEX, SCHH (er 0.07%), and VNQ (er 0.12%).

DFGEX makes up about half my RE AA. FWIW.

Wow,

Just realized that all the managing I do on my portfolio matches the er of VTTHX. Wow, just had a "could of had a V8" moment.

Interesting observation on my part ... sorry thinking (writing) out loud.

Goalie, I'll have to look at her account again. I set the Vanguard option years ago, as it was the only "low cost" option. I was happy about having this option, but when I dug through the weeds on total costs, it came up as 0.94%. Since I had this exact same MF at Vanguard, the difference ...

To steal someone else' reply: 0.19% (weighted average) Though to put it into perspective: 75 % equities, 15% FI, 10% REIT Eq = 40% US + 35% International FI = 10% Barclays US Agg Bond + 5% TIPs REIT = mix of VNQ, SCHH, & DFGEX No cash. Cruncher PS in my wife's IRA (managed by TransAmerica) I hav...

Sorry if my original post was vague. When "interest rates" rise? sscritic, I had a similar story. I wasn't one, but the interest rates were in the 13% is memory serves me correct. To clear up my post (again) Is it cheaper for the fed to repurchase outstanding debt "when" rates ri...

All, What are some opinions of the US equity market when this happens? What about the international market (either developed & EM)? Not to make this a political post, but how are we going to service 16 Trillion dollars in federal debt? When rates rise, will the face value of outstanding treasuri...

Where am I going with this, dunno. It's late, don't post much on this forum, but here goes: I-95 has killed more people than the war in Vietnam. I grew up in S Fl, and remember all the drivers' ed classes. Miss Fl a little. When you are away for long periods of time, when you return, the smell is ve...

My wife's 401k is with schwab, but doesn't allow for investments outside of the selected mutual funds...oh but WAIT! I logged in and poked around, and saw this PCRA option, which seems like it's similar to an "add-on" brokerage account to the 401k. I had read their literature on it in the...

Sorry is this has been mentioned:

...are the cons of index funds

It's boring.

It just keeps climbing, getting your fair share.

-C

Taylor,

Very true. There are few ex-Marines. Once a Marine, Always a Marine.

Mel,

Semper Fi to you my brother!

Cruncher

William, I agree. My bride is a bit older than me, not by much (couple months), but I still remind her on occasion :mrgreen: . If I knew my time was up, yea I'd convert it all. But if I go in a giant ball of flames, well guidance is there too. As a former Marine, we had a little saying, no matter ho...

... Particularly when my wife isn't nearly as interested in keeping up with things as I'd like. In my wife's 401k, I have her in 1 fund, Vanguard Tgt Dated Retirement Fund (TDRF). In our rIRAs & my 401k, I have 12 funds / ETFs (LB, LV, MB, MV, SB, SV, REIT, LG/Med Intl B, EM, ISV, ISB, TIPS &am...

Oops, sorry Taylor! Didn't mean to put words into your mouth

Have a great day.

Brian, I set up my current portfolio allocations based on research I did years ago, prolly close to my join date on this forum. But during my annual Investment Policy Statement review this year, I asked myself why I was splitting up my LC into LCB & LCV (seeing as this topic was not talked about...

Thanks folks, this is the dialogue I was looking for. Big picture: SCHV is part of my LC allocation, so it does not take away from another asset class, nor is overlap an issue (if I decided to remove my "LCV Asset Class", SCHV would be completely replaced with VIIIX anyway). Interesting ho...

Bogleheads, What are your thoughts on tilting large cap? Currently my two Domestic LC funds I have VIIIX (S&P 500 index; er 0.02%) & SCHV (DJ Large Cap Value Total Stock Market; er 0.13%). Essentially, everything I've ever read regarding value tilting relates to small caps. Does anyone do th...

Two things: 1) RODC, agree completely. Rodc wrote: No one has really demonstrated you can time in even one direction. No data whatsoever as far as I know. The problem is that "Markets can stay irrational longer than you can stay solvent". I think the key is not so much in timing markets, b...

Started as a young Captain in the Marine Corps, mid-late 90s. Saved a nice 6-figure sum in the S&P500. Of course, the "lost decade" was my fault :oops: because I was shoveling money in. As busy as Marines were (are), I didn't have much time to really study investing, nor was I taught a...

Stayingthecourse: The older I get the more contrarian I become. I am starting to realize if everyone goes one way the correct answer is going the opposite. I said this exact thing not too long ago to some friends! Just this morning, the financial news was Warren Buffett was bailing on Munis. Of cour...

41 yo. Live in US. Big picture: 75% equities, 15% fixed income, 10% REIT focused equities Closer look: 45% US, 30% foreign, 10% Total bond, 5% TIPS, REIT is split with a tilt towards US REITs. Asset class Target AA Actual % D Lg Mkt 7% 6.94% VIIIX D Lg Value 8% 7.84% SCHV & VTV D Med Mkt 7% 6.99...

oops thx

Additionally, with all the cash flowing into HY, I started to feel like the lemurs were running with me. I'm not a market timer, but their crowding had me thinking I may be doing something wrong. Hence picking up Swensen's book. Let's hope when BHs become more and more popular, I don't mistake their...

SGM, SGM wrote: Remind me again why this is a bad fund to hold. Yeah the dividends are taxed like ordinary income. Was that the only problem with it? Since its inception it has gone up 7-8% per annum. I thought of it as an annuity without the complete loss of principle. I've had this fund for years,...

#Cruncher, thank you. Signed Cruncher

PS just wanted to do that. Thanks to both, still learning.

Hello all, My question is, I am leaning to moving my "Junk" allocation into a "TIPS" allocation (I know a huge switch - middle of reading David Swensen's Unconventional Success ... I'm glad I got this book, it is very good). I've read a lot about TIPS, but one thing I can't seem ...

This is great information. Thanks to all for your responses.

More information to research is always great!

Hello Bogleheads, Here's my current situation: I'm looking to install a home solar system to offset the skyrocketing electrical costs here in SoCal. My house is a great candidate, no shade, SW facing roof, .... I've already completed a home energy audit to reduce our electrical consumption to about ...

Aint volatility grand?!

Yup! Very much so!

To add to Danny's post. I "lost" over $17,000 this past week, and I'm a relatively young guy here (75/15/10, EQ/FI/REIT) I say "lost" because it's just a paper loss, it's the day to day fluctuation of my account. It's part of the risk-reward exposure we all strive for; I view it ...

Mtbiker, This may have been said already, I haven't read all the posts yet. I view down markets as mini-sales. I am in the accumulation stage of my financial life, and look forward to down markets, it just means I'm getting whatever asset class falls the most, at the greatest discount. Similarly dur...

I just opened my Money magazine. Jack's article is about the middle page (59 out of 109), so without much effort (just flippin' the magazine open), Taylor, Laura, & Mel are introduced. Hello, it's nice to have a face to a name. Thank you for your efforts you give society. I "sell" your...

Great advice here already: Keep wifey happy - job #1. Happy wifey, make happy hubby. Educate & understand the various aspects of each solution (this might take a little longer than a couple days on a forum). Have a frank discussion, ... maybe a bottle of wine, come to an agreement. Next day, con...

They vetted this possibility, and still passed the law. They also know when you do this transaction, they get your tax dollars today (from what was a tax-deffered account[IRA]). You can't decide what part of your IRA you want to transfer, it comes equally from your entire pile. IMO, they will probab...

MY 401k has an option where you can invest in pretty much whatever you want (via a portal they call a PCRA - Personal Choice Retirement Account), save buying my company stock, anything leveraged (which our retirement committee guys to protect us) and the MFs that are on the MF side of the house. Ove...

Wizard good point. I'll have to think about that for awhile.

Cash looses value over time, I want to at least keep up with inflation, or if I can eek out a small gain above, than that's better.

Thanks for the replies. Yea, prolly a bit of chasing yield in my thinking. Agreed, prolly missing the point a little too regarding the stock exposure. Just trying to think outside the box, so to speak. Though, I don't want to overthink myself into auguring down a rabbit whole of mistakes. I do have ...

Hello Bogleheads, Sorry if this is old news / obvious, but what's the consensus of where you "store" your emergency fund? TIPS almost cost to own now. Short term Treasuries are not much better. Medium term are a little better, but will suffer when rates inevitably rise. A money market fund...

So does anyone know if Schwab changed management in '07, or at least a change in strategy?

... I guess this puts you in your place.

Well thank you sir; I'm glad you recognize the power of the simple.

Is it also good for older airline pilots?

For a 28 yo, I think you are in a great position (to understand the meaning of investing long term while minimizing costs, vice speculating - which is what many people do, most without even knowing). In no particular order: 4. Instead of high dividend stocks, would it be better to have a higher perc...