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Yes, it is obvious to everyone for a decade plus that interest rates will rise and cream bond funds. What would help immensely, however, is if we knew exactly when rates would rise so we could time the market and make a bundle. Since I'm not good at guessing, I'm content to follow my asset allocatio...

Thanks![/quote]
I agree with SpringMan, but does your plan hold bond index?
John[/quote]


Yes, my overall plan contains the Vanguard Total Bond Fund...my biggest holding in bonds. Looks like a little bit of Pimco or Dodge and Cox isn't going to hurt.

Thanks for the posts!

Fellow Bogleheads: My wife's 401(k) has only 2 bond fund options: PTTRX or DODIX. No index fund bond choice at all, so we're stuck with picking either the famous Pimco Bond Fund or the Dodge & Cox Bond fund. So my question is: Which do we pick? My wife's time horizon for retirement is 15-20 year...

Seems like Mr. Money Mustache is not "retired" in the classical sense. Seems like he simply has a home-based business which is the Mr. Money Mustache blog. Pretty clever angle that he's "retired at 30"...but I suppose his central thesis and appeal would not ring true if his main ...

Not too long ago I posted an innocent question about how a "currency war" might affect one's portfolio, and the post was frozen by Lady Geek as "political". Is a this discussion about Cyprus "political" and should the posts be frozen? Curious as to the why one post is p...

I shared these posts with my wife, and looks like retiring in Maryland gets the nod. The weather is great (gorgeous Spring and very mild winters) and we really like the Rockville area and Washington, DC. We're willing to deal with the COL as the price you pay for city living and all the amenities th...

The link below is pro-Maryland as a place to live: http://www.washingtonpost.com/blogs/rosenwald-md/post/maryland-scores-big-in-best-places-to-live-rankings/2012/08/21/966d943a-eb9a-11e1-9ddc-340d5efb1e9c_blog.html Gotta say I like urban areas and prefer to live in a City....not sure about that mill...

We like all the amenities...DC, Rockville Pike, reasonable drive to Baltimore, Virginia and other various touristy destinations. Nice place to retire despite the high cost of living and taxes.

My wife and I own a home in Maryland in Montgomery County about 12-15 miles from Washington, DC. We are renting the house while we live and work in another state. We got to thinking about where we want to retire (though we have a long way to go...about 15-years). Lately, we've been thinking of movin...

Rodc, Very impressive post and well thought out. Looks like you have definitively proven the superiority of slice & dice over the three-fund portfolio. But for me, I can't handle a lot of funds, so I'm sticking with my three-fund portfolio (50% Total Bond, 35% Total US, 15% Total International) ...

Nisiprius,

Many thanks for the laymans explanation of this topic. After reading your post, I went back and re-read the Yahoo article, and it is definitely "noise" that I am going to tune out.

Frank2012

Fellow Bogleheads: I saw an article on Yahoo about a possible "Currency War"...I'd appreciate if someone could explain this to me in simplistic terms; also...if we actually have a currency war, what is the effect on stocks and bonds? More specifically, what would be the consequences to a T...

So how much international would you put in a 50/50 portfolio for a three-fund portfolio? Would the following be reasonable? 30% US Total Stock Index 20% International World ex-US 50% Total Bond fund Frank: Vanguard research suggests international stocks should be between 20% and 40% of equity. 20% ...

So how much international would you put in a 50/50 portfolio for a three-fund portfolio?

Would the following be reasonable?

30% US Total Stock Index
20% International World ex-US
50% Total Bond fund

The following chart shows Fidelity's Spartan Total Market Index fund (in blue) against Vanguard's Total Stock Market Index fund (in orange) over the last 10 years. http://i.imgur.com/ho2Yw4V.png Yes, there really are two lines there. Conclusion: It looks like Fidelity is doing just as a good of a j...

Welcome to the forum! If I were investing at Fido, those are the funds I would pick. They are certainly a vast improvement in cost over what you have now. Regarding the international funds - they are similar, but not the same index. The Fido fund does not contain small cap stocks. However, that's t...

Fellow Bogleheads: I'm relatively new to the world of Bogleheads (this is only my second post) and I'm still in the learning phase of the Boglehead philosophy. However, I've read a number of books on indexing and have been lurking the Boglehead blog for awhile. Based on my research and temperment, I...

Thank you for the info, Skylar. Much appreciated. I had not heard about a "Collective Investment Trust" before. Many thanks!

My 457(b) contains some very good Blackrock index funds that are very low in cost (for example, their S&P 500 fund is only .01 basis point....wow!). However....my quarterly statements never seem to reflect income from dividends, even though these funds have a yield and supposedly distribute divi...

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