Bogleheads.org

Here is a full list of local chapters, as well as a map.

Bob

G-Money wrote:?..better diversified (with the inclusion of mid/small caps).

This isn't true anymore. Total World changed in late 2011 from the FTSE All-world index to the FTSE Global All-cap index, so it's got the same mid/small caps.

Bob

Well, looking back, one wouldn't have made as much money in bonds. From the original post date to yesterday's close, $10k in Total Bond (VBMFX) turned into $13,417, while $10k in Total Stock grew to $22,051.

Bob

I've always liked Benjamin Graham's general advice: Finally, the investor should always have a minimum percentage of his total portfolio in common stocks and a minimum percentage in bond equivalents. I recommend at least 25 per cent of the total at all times in each category. A good case can be made...

0.1050%

It depends on ones definition of risk.
The chances of the market having a negative year this year certainly isn't affected by whether you've been investing for days or decades. But, as time goes by you're more likely to have a better return from stocks than from money under your mattress.

Bob

steadyeddy wrote:The motivation to purchase is primarily financial rather than a lifestyle decision--

That makes me think of Larry Swedroe's CBS Moneywatch article History says home real estate is a bad investment.

Bob

...is the target retirement fund too aggressive? No, the Target Retirement funds aren't too aggressive, because they are taking into account a young person's "human capital" and the fact that compared to that they likely have little money to invest and possibly lots of debt. An individual...

So target-date funds are too bond-heavy now? I read the same 'the sky is falling' article a few years ago complaining about how target-date funds were too aggressive and stock-heavy. So which is it? Or are they arguing for abandoning target-date funds in favor of market-timing? Investment porn indee...

If you don't care for Retirement funds, a combination of Spectrum Growth and Spectrum Income would make for a simple, easy to maintain portfolio that would cover all the essential asset classes.

Bob

Looking forward to it.

Bob

Charles Schwab
Apple
Amazon

I can't think of any others off the top of my head, so I guess the rest must be mediocre

Bob

And let's not forget Scott Adams 129-word Unified Theory of Everything Financial . 1. Make a will. 2. Pay off your credit cards. 3. Get term life insurance if you have a family to support. 4. Fund your 401k to the maximum. 5. Fund your IRA to the maximum. 6. Buy a house if you want to live in a hous...

'Risk tolerance' based on probable returns and how likely you are to reach an ultimate goal is one thing, but 'risk tolerance' based on emotions has always seemed way too wishy-washy and uncertain to me. Now I'm certainly not saying psychological factors don't loom large during down-markets, but the...

Your Apple TV is a good solution for movies and series and such. But to see if you are a good candidate for local tv channels via an antenna, check out http://antennaweb.org/ . It will also tell you how big an antenna you would need, based on your location.

Bob

It's because one’s “human capital” remains so dominant over the small balances in financial capital during the early stages of asset accumulation.
See Vanguard's paper Vanguard's approach to target-date funds.

Bob

Regardless, if real risk shows up, treasury bonds are still safer than stocks. Volatility isn't risk. To quote Warren Buffett: The riskiness of an investment is not measured by beta (a Wall Street term encompassing volatility and often used in measuring risk) but rather by the probability – the rea...

Problems usually result from no longer having a US address. However, as military, you should have an APO AP or AE or whatever address with a US Zip Code, so no problem. I did it for years without issue.

Bob

Yeah, but market-cap weighting isn't just another method of constructing an index. It represents the makeup of the actual market and how how the market actually exists.
So, the actual market isn't efficient now?

Bob

Check out the Vanguard paper Considerations for investing in non-U.S. equities (PDF). Executive summary. Non-U.S. equities currently account for close to 55% of global market capitalization, thus representing a significant opportunity for U.S. investors. In addition, the portfolio of an investor who...

As you mentioned, the actual monthly payment can consist of dividends, capital gains, or return of capital, but those distinctions are are essentially tax-related distinctions. For purposes of sending money to your bank, think of the funds working as any other fund would with monthly dividends and y...

SENT MESSAGES will appear in either the OUTBOX or the SENT MESSAGES folder. As long as the recipient(s) have not yet read the message, it will stay in the OUTBOX. As soon as someone reads the message it will be archived to the SENT MESSAGES folder. You can edit messages after sending them as long as...

There's a contact email on the local chapters map.

Bob

looking wrote:what does APPs means

Apps are applications or programs. Generally referring to ones that run on smartphones and tablets, rather than traditional computers.

Bob

PDFCreator lets you create PDF files from within any program by "printing" to a PDF file.

Bob

Someone on the Clark Howard radio show recently asked the same question. He recommended landlord.com

Bob

From Vanguard's paper Vanguard's approach to target-date funds . While the risk of inflation is prevalent throughout an investor’s life cycle, it’s primarily in the later stages that investors must focus on investment tools to provide some protection. This is because for investors in the accumulatio...

YDNAL wrote:In a Roth IRA it would be Target Retirement 2060.

I agree. Target Retirement 2060 (VTTSX) will get you the major asset classes all in one fund and with only a $1,000 minimum. It could be not only your first Vanguard fund, but your only Vanguard fund.

Bob

Check out iBank and iFinance and MoneyWell and MoneyWiz.

Bob

Since major brokers all now let you buy treasuries at auction for zero commission, is there really much reason to use Treasury Direct?

Bob

From the article: What exactly are we storing away in the boxes we cart from place to place? Answer: Time and Money. Also known as life-energy. When people ask what was the secret to my retiring at 42, I never give the answer they expect. Although I'm a long-time Boglehead, it wasn't my stellar inve...

I don't think many minimalists would be using a computer and internet connection to post on a web forum. As Alex mentioned above, minimalism doesn't equal asceticism. Digital technology goes a long way in helping one to have less physical 'stuff'. Check out the article Cult of less: Living out of a...

jegallup wrote:Just went and looked at the wife's MacBook Air (a gorgeous machine, and no mistake). It has a key marked Delete, but it's really a Backspace key...

delete will delete to the left of the cursor, fn+delete will delete to the right of the cursor.

Bob

Here are some funds I researched a while back for another post: DLS - WisdomTree International SmallCap Div http://img12.imageshack.us/img12/2970/dlsp.png GWX - SPDR S&P International Small Cap http://img29.imageshack.us/img29/8540/gwx.png SCHC - Schwab International Small-Cap Equity http://img8...

It's explained in Vanguard's Approach to Target-Date Funds (pdf).

Bob

dhodson wrote:i like seeking alpha as well

I'm thinking I used to like Seeking Alpha too, but having just gone to the site I see that you can't even view the main page anymore without registering. Boo!

Bob

In Vanguard's funds-of-funds offerings -- Target Retirement, LifeStrategy, Managed Payout -- they are allocating international stock as 30% of the overall stock allocation and international bond as 20% of the overall bond allocation, so I guess they're thinking that is the 'optimum'.

Bob

The announcement of the international bond fund mentions ...by the end of the second quarter of 2013.

Bob

Use the XIRR function.

Bob

Okay, I fixed my calendar
Meeting this Saturday, the 16th.
Looking forward to it.

Bob

Check out the wiki article Withdrawal Methods and William Bernstein's excellent article The Retirement Calculator from Hell Part I, Part II, Part III, Part IV, Part V (part I is especially applicable to the original question).

Bob

convert949 wrote:...-1% for VIPSX vs. -1.5% for VTIPX...

VTIPX is actually showing a yield today of -2.42%

Bob

?Vanguard Target Retirement Income Fund has 30% equity...[snip] [snip]...My guess is Vanguard runs that fund first and foremost for ultra-low short-term volatility (what some retirees refer to as "risk"), and worries less about long-term real returns and the purchasing power of that incom...

Of course if you need ongoing income, you need bonds. Eric That's not true. Why would it be true? Most disaccumulation models do not have much worse outcomes at 100% stocks than at some blend of stocks and bonds. The opposite statement that if one needs ongoing income you need stocks is somewhat tr...

runner9 wrote:

CyberBob wrote:Bump for visibility.
Meeting this Saturday

Bob

Not this Saturday (9th) but Saturday after this one

Oops! Got too excited and jumped the gun by a week. I wondered why that calendar was so inexpensive

Bob

Bump for visibility.
Meeting this Saturday

Bob

What is a particularly stunning is how little the actual returns for 2013 will be: only 3% of each month's dividend. Contrast this with the 32% actual returns in 2012. That 3% isn't an accurate year-end number. It'll be revised quite a bit at year end. 2012's number was smaller starting out the yea...

Check out iBank and Moneywell.

Bob

Edit: You Need a Budget is popular too, if your focus is on tracking spending.

...do Bogleheads do anything to preserve gains or do you just let the funds go up and down and deal with it? Yep, it's called rebalancing. When your stocks go up big, you sell down to your desired asset allocation and move the proceeds into bonds, or vice-versa. Rebalancing is essentially a forced ...