Bogleheads.org

I've got a problem with Fidelity! I'm pissed! I've been with Fidelity for 35 years and have never had a problem. I also had an account with MS predating my Fidelity account. Two years ago I (mistakingly) brought all my DRIPs to MS and received some hefty rebalancing advice. Since I never listen to a...

Another look? Anyone who does their own due diligence has long ago tracked the predictions of the talking heads blowhards. I guess it makes some people feel good when the loudest voices are wrong, but come on, somebody has to sell advertising. Since we all watch these shows with the sound off anyway...

Your responses helped me decide to go ahead and buy the Vanguard funds now instead of waiting for any sort of market correction. I found myself looking at a video on cnbc today with a "stock market expert" talking about how the market is ready for a reversal. My first thought was good for...

It doesn't appear that anyone actually deciphered all the information from that link. If you had, you'd see all the fantastic value that can be had for a very low price. Your Entire Package Includes: The NY Times Best-Selling Book Aftershock . . . . . . . . . . . . . . . . . . . . . . $28 value The ...

A closer apples to apples comparison. http://quote.morningstar.com/fund/chart.aspx?t=JCMVX&region=USA&culture=en-US&statePara=%7Bsecurities%3A%5B%7Bn%3A%22JPMorgan%20Mid%20Cap%20Value%20C%22%2Cids%3A%22FOUSA02T00%7C0P0000330W%7CCU%24%24%24%24%24USD%7C1%7C1%7CFO%7C2001-4-29%7C%7C%7Cfalse%...

Depending what your interest are, there's the Museum of Fine Arts, which is not too far from Symphony Hall, which has free tours, I believe, or maybe if you're lucky John Williams might be performing while you're there. (Probably sold out, but I found this notice) Hooray for Hollywood May 28, 2011, ...

the farther out the payment is, the greater the risk (both that the borrower will be unable to pay, and that rising rates will decrease the present value of future payments). Thus a loan with equal payments has a shorter duration than an equal-term bond (which is typically an interest-only loan wit...

I have an opportunity, a good one I think, to invest in a business expansion. I can be an investor and get a piece of the action or just make a loan, which I prefer. What are the advantages of taking the interest as payment on a monthly basis and have the principal paid at the end of the term, like ...

When I asked about their performance in relation to an index fund they claimed that they can do much better than those because they use funds through Fidelity that are no-load or load-waived. I apologize for beating the dead horse, by responding to the same quote I responded to earlier, but this se...

When I asked about their performance in relation to an index fund they claimed that they can do much better than those because they use funds through Fidelity that are no-load or load-waived. Ask for an example and compare it to the corresponding indexes over the past 30 years, then subtract 1.5% f...

Thanks everybody for the suggestions. There's probably an easy way to replicate the fund by combining other funds as has been mentioned. As I tend to move from individual equities and managed funds (as tax gains allow) to index funds and more muni's, I'm still attracted to the Wellesley fund. I just...

You may wish to also look at Fidelity's Spartan funds, which are competitive with Vanguard funds in terms of expenses. That's a good suggestion for just about anything, but I'm interested in the Wellesley fund and I haven't seen anything that mirrors that. But maybe I'm missing something? It's prob...

I recently tried to buy some Admiral shares at Fidelity, but they wouldn't allow it even though I was trying to buy over the minimum amount needed. It's not bad enough that I have to pay $75 to buy a Vanguard fund at Fidelity, but this is the process I have to go through to make it happen. Thank you...

I wouldn't drop it just yet. Call back, talk to a supervisor. Say that you have a competing offer (TD Ameritrade will do). You'd prefer to stay, but you feel they let you down on this and you're planning to move it back out if they don't reconsider. Yes, don't drop it. I transferred my second accou...

Don't a lot of people trade these stocks with no care about the divs? Therefore causing the the stocks to rise on fall on normal market movements. All things being equal, the payment of the div would still devalue the stock, but are all things really equal? Is there a reliable way to measure this? W...

He opened up a Roth IRA and will trade online when he gets home. I gave him no advice, but the licensed broker recommended some managed funds that had great 5 year track records. My friend said that his friend, an experienced trader, recommended he put everything in IBM, because it was going to pop,...

I'm surprised at the responses, extreme indeed. Giving advice without a license? Come on. We've been over most everything mentioned. Books were my first suggestion, but this kid is a full time college student with a part time job and has told me he doesn't have a minute to read outside of his educat...

I've been preaching to the local youth (early twenties) for sometime about the importance of investing and indexing. They are finally coming around and I'm going with my first converted tomorrow to open his first account, along with a number for my number two converted and it looks like things may s...

Thanks for the chuckle Taylor.

Barron's could be reduced to one page:

Indexing Wins: So Index!!

There are risks associated with investing including the possible loss of principal." Wisdom Tree

Seems oddly out of place.

I would stay clear of any actively managed fund that, a) tries to beat the market, b) is glorified on a radio show, or c) bragged about by the fund managers themselves, by showing how great they have performed over the last three to five years. This leads to popularity and flocking to by the sheep, ...

EyeYield, In this particular case (divs re-invested) a visual representation would best be seem by comparing on the same graph two opposing funds of relatively the same characteristics, one paying dividends and the other not. In this particular case if you haven't spent anything, they will perform ...

So it doesn't matter if you take the dividend and spend it or if you have another stock of the same characteristics but doesn't pay a dividend and you sell the stock to generate the same amount of cash as the dividend you must end up in the same place. Best wishes Larry But if it's reinvested, as i...

FinancialDave wrote:
EyeYield,

Your plan sounds very close to mine, except that I am only withdrawing 2% or less, and the rest is in a growth portfolio.

fd

Yes, I've been able to relate to many things you've said, but now I feel I have to withdraw 1.95% or less, just to be competitive.

The fact that a company pays a dividend is IRRELEVANT to the return investors earn. Thanks for verifying that, I was going nuts trying to find evidence that when a company started paying a dividend, it some how magically started under performing with returns. The negatives are much less diversifica...

It amazes me the length to which people will go to try and find some reason to justify what is not justifiable. It simply makes no sense, just psychological crutch, a mental accounting issue.If that is what is needed to keep an investor disciplined, that's fine? But that doesn't change the fact tha...

EyeYield: While my dividend reinvestment program (DRP) doesnt go back nearly as far as yours (mine began in 1994/5), I faced the same situation. My cash flow didnt generate large sums and it was much easier to write a check for $100 - $500 on a quarterly then monthly basis. Mutual funds were used f...

Way, way, way, back in the day, when buying stocks meant paying a broker $100 to enter a trade, I was taught the low expense method of investing. You bought stock directly from the company through dividend reinvestment plans and reinvested the dividends. Four times a year I would get a statement and...

Perhaps this thing that is old should be new again.... http://en.wikipedia.org/wiki/Home_economics Whatever works. I suppose it could be feasible to teach someone how to bake a cake and then parallel the steps to asset allocation. The four pillars of baking your portfolio; defining your mix. :P

Fallible Good for you and I hope you won't give up. Also, I think it's pretty well agreed on by educators that parents also need to teach their children about personal finance. Do you know if schools actually ask or suggest to parents that they do so? I haven't seen any evidence of the schools spec...

These stories make me sad because they illustrate the extremely low level of financial literacy is in America. Websites like this one do a great job helping to educate a few thousand investors per year. Now, if we could only figure out how to reach the remaining 100 million individual investors. Ri...

Just as realistic as a 90% gain.

So apparently they told their clients to sell everything late in 2007 and told them precisely when to get back in early 2009?? And their clients actually listened and have the statements to prove it? Or maybe they didn't lose money until they failed to get back in at the perfect time and accumulated...

Dr baseballdad94 I'll let the more learned here respond to your concerns, but let me just tell you I feel your pain. I just left my MS "adviser" who is a personal friend and I know how hard it can be. I use quotation marks because "adviser" can mean anything you want it to mean. ...

For 50 years this was the standard all across the US, until it wasn't.
http://upload.wikimedia.org/wikipedia/c ... C_1902.jpg
Bad example actually, since they went on to make automobiles; until they didn't.

The important thing is to get started and stay-the-course. Best wishes. Taylor I would guess that everyone on this site knows this intellectually. I would also guess that everyone on this site has, at some time in their investing life, had psychological difficulties with timely execution. Whether i...

Anyway, I'm getting some analysis paralysis here

Been there, will be there again.

Eventually I self loath for my procrastination until I just invest it.

The good news is, once it's invested, I don't have to think about it again, because I ultimately believe in my planned AA.

eyeyield The problem is really that the pension plan managers have THEIR self interest at heart, not that of their employer or the taxpayers or the beneficiaries. They need to promote active management as the winning strategy so there needs to be someone there to monitor the active managers!!!! Hir...

Seriously, why don't huge pension funds use a simple 3-fund approach. Are they smarter than us ? If they did that, what would all those fund managers do for work? And all those brokers, in the full service broker branches that would have to close, what would they do? Oh, of course, :oops: they coul...

Wow, you just got a lot of really good advice. Nothing to add, except I wish I got the above advice 30 - 40 years ago. As far as "Playing", some BH's think 5% is ok for playing, I'm of the belief that 1% is ok. only invest in what you know Peter Lynch was on to something when he said this,...

I would be happy to explain why the market is climbing so fast, but then everybody would know and I would lose my advantage.

36,000 - Maybe not. This will be the year of the great crash!!! http://www.cnbc.com/id/44481286/Dow_Could_Crash_to_3000_in_2013_Author Take 3000 journalists, authors and fortune tellers and they'll come up with 3000 different predictions. One will be right, will be on CNBC, and then charge for a new...

Even though the Morgan Stanley guy is a nice guy, I realize that he needs to say what he has to in order to try to get us to stay. My MS guy is also great and I see him regularly in recreation, but when he made sweeping recommendations I started researching, which led me here eventually. I did not ...

I hate this. I still have a bunch of cash to invest and although I have no sense of being able to market time, my next purchase is due on April 1, and at these levels I have to hold my nose or hold off a bit. This thing has gone straight up without so much as a 5% correction. In the same boat, but ...

We need some final encouragement to push us to move from our “full service broker” to Vanguard. I was recently in your situation at MS and found this forum, which encouraged me to start reading. The final piece of information that "pushed" me out of MS, was reading "The Clash of the ...

When WB buys a company, there a good chance he has an office somewhere on the company grounds and has a say in what goes on there.
Invest like Buffett? In my dreams.

To get the best answer, you might try being more specific in what you want to learn. The Mutual Fund industry; fact vs fiction? The stock market; history and reality? Start up investing? Retirement Investing? Psychology of the investor? Philosophy of investing? Risk management? I asked the same gene...

Depending on your tax bracket, you may not need a federal alternative minimum tax free fund. If you do, there are plenty to choose from. Instead of paying a brokerage fee to trade at MS (maybe $100 or the 2.75% they were charging me when I was there), I would just trasfer your holding to where ever ...

I'm surprised this has lasted as long as it has; it's so out of place here. Having said that: Once a year I'll "invest" about .025% of my portfolio on a slightly researched whim, that has a real product going for it and a possibility of a real return. I search finviz for some oversold phar...

Austintatious wrote:what bond bubble?

Maybe this one?

Not a site per se, but this guy has a feeling in his gut AND a webinar too: http://www.youtube.com/watch?NR=1&featu ... XveGyGkHxA
DOW down to 6000 sometime in 2013; maybe tomorrow.