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Re: POLL: Are You Re-Balancing?

Stonebr wrote:No. I don't fuss with this stuff until December.


+1
by Gauntlet
Tue Jul 15, 2014 12:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: POLL: Are You Re-Balancing?
Replies: 70
Views: 5036

Re: Want international exposure? You already have it.

I think international diversification makes sense for several reasons but my opinion is not nearly as important as the numerous experts the bogleheads look up to that believe international diversification is important. The experts include Swedroe, Bernstein, Ferri, the Vanguard Group, among others. ...
by Gauntlet
Wed Jul 09, 2014 2:30 pm
 
Forum: Investing - Theory, News & General
Topic: Want international exposure? You already have it.
Replies: 65
Views: 6478

Re: The Death of Savings Bonds

I like Savings Bonds but I sold all of my Savings Bonds last year and don't plan on buying anymore. For me they kept becoming a smaller and smaller portion of my portfolio. Once they got down to 3% of my portfolio, I made the decision to get rid of them. Maybe a lame reason? It also had the added be...
by Gauntlet
Tue Jun 17, 2014 5:29 pm
 
Forum: Investing - Theory, News & General
Topic: The Death of Savings Bonds
Replies: 33
Views: 3547

Re: Talk me out of my TSP L2050 choice

OP, more opinions for you. 1) you need to look at your TSP in combination with the rest of your portfolio. 2) I too think that everyone should hold some bonds and the G fund is a great option. It has just about zero interest rate and default risk. I have been investing in the TSP for 15 years and I ...
by Gauntlet
Fri Mar 21, 2014 10:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Talk me out of my TSP L2050 choice
Replies: 20
Views: 1319

Re: 529 Plan Allocations

I like the Vanguard moderate-age based fund. When my children are 16 it turns very conservative. You probably can't go wrong with any of Vanguard's age-based options.
by Gauntlet
Thu Mar 13, 2014 12:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529 Plan Allocations
Replies: 3
Views: 258

Re: Would you invest an emergency fund?

I use a savings account and some CDs. In my opinion, if you want to have some safe money that you can get quickly for an emergency, keep things simple. In the long run it probably won't make much difference to your overall portfolio because your emergency fund will become a smaller and smaller part ...
by Gauntlet
Fri Feb 21, 2014 10:27 am
 
Forum: Investing - Theory, News & General
Topic: Would you invest an emergency fund?
Replies: 30
Views: 2920

Re: Bonds go in taxable (whitecoatinvestor aka EmergDoc arti

The rational solution, for me, is to admit that I can't guess future returns and tax law changes. My solution simplifies rebalancing and doesn't require any calculation to tax-adjust my asset allocation. I use a mirrored asset allocation across accounts. It is NOT a behavioral mistake; it is a logi...
by Gauntlet
Thu Feb 20, 2014 11:34 am
 
Forum: Investing - Theory, News & General
Topic: Bonds go in taxable (whitecoatinvestor aka EmergDoc article)
Replies: 96
Views: 6419

Re: Thoughts on putting emergency funds into vanguard muni f

OP, whether you put your emergency fund money in an intermediate fund, Savings Bonds, or in a Savings account it is not going to create much wealth or make much difference to your portfolio long term. If you are the type of person that likes the idea of a rainy day fund, I say put it in a very safe ...
by Gauntlet
Thu Feb 06, 2014 5:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thoughts on putting emergency funds into vanguard muni fund
Replies: 20
Views: 1978

Re: Amazon Prime Price Increase

I have seen a couple threads on this. I can't see why someone using prime and paying $80 a year would instantly drop it for and extra 20 or 40 bucks a year. I mean this equals a couple trips to Starbucks. I consider myself to be pretty cheap but I can't for the life of me see what the fuss is about.
by Gauntlet
Wed Feb 05, 2014 4:01 pm
 
Forum: Personal Consumer Issues
Topic: Amazon Prime Increase
Replies: 185
Views: 9401

Re: Bonds - Throw it all on the table!!!

1) List the bond funds, individual bonds, CD's, etc. that you invest in Total Bond and G Fund 2) In which account TSP, 401k, IRA, 529 3) Allocation as a percentage of Fixed Income about 50/50 4) Allocation to bonds overall (i.e. age in bonds, etc.) about 30% 5) Any other plans such as adding more bo...
by Gauntlet
Thu Jan 30, 2014 5:12 pm
 
Forum: Investing - Theory, News & General
Topic: Bonds - Throw it all on the table!!!
Replies: 135
Views: 15148

Re: Which bond fund is best?

I'm not sure which is better. For years I have thought about changing my total bond to Vanguard's intermediate-term bond index fund. Mainly because my plan calls for intermediate-term bonds and the intermediate-term bond index fund "feels" like the more accurate choice. I still have not ma...
by Gauntlet
Mon Jan 27, 2014 3:17 pm
 
Forum: Investing - Theory, News & General
Topic: Which bond fund is best?
Replies: 83
Views: 4384

Re: Should I opt out of my bond allocation?

All the reasons given so far to hold bonds are great but here is another reason to hold bonds that I think is very practical. It is important to hold some bonds, even at a young age, if for no other reason than to learn how they work. There is no better way to learn how an asset works than to own it...
by Gauntlet
Fri Jan 03, 2014 12:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I opt out of my bond allocation?
Replies: 47
Views: 3779

Re: Can TSP G fund be used as liability matching portfolio?

Personally, I think the short answer is yes. It is not tied to inflation but here is the objective of the fund from TSP.gov: "The G Fund's investment objective is to produce a rate of return that is higher than inflation while avoiding exposure to credit (default) risk and market price fluctuat...
by Gauntlet
Tue Dec 17, 2013 3:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can TSP G fund be used as liability matching portfolio?
Replies: 4
Views: 357

Re: Bond index funds vs cash

Julieta wrote:It seems that cash is a safer investment these days than a bond index fund.


Also, a good argument could be made that cash as an asset class is always "safer" (less risk) than bonds as an asset class. These days are no different.
by Gauntlet
Mon Dec 16, 2013 10:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond index funds vs cash
Replies: 49
Views: 5032

Re: Thoughts on having kids?

Wow. This is an emotional thread. I'll make my opinion short and sweet. Kids are amazing. If you are fortunate enough to have the opportunity to have some, you should.
by Gauntlet
Wed Dec 04, 2013 4:16 pm
 
Forum: Personal Consumer Issues
Topic: Thoughts on having kids?
Replies: 101
Views: 3402

Re: investment with after tax money or pay off mortgage?

OP, I am in a similar situation. I decided to put most if the taxable money towards our mortgage and a small amount in the taxable account. No real good reason except I enjoy investing but also love the idea of being debt free. Also, it is nice to have some liquid assets outside the retirement accou...
by Gauntlet
Wed Nov 20, 2013 12:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: investment with after tax money or pay off mortgage?
Replies: 29
Views: 1955

Re: Estimated outcome of Boglehead Contest

I'm in the game! Sitting pretty at 21 with less than a 1% chance of winning :)
by Gauntlet
Thu Nov 07, 2013 10:20 am
 
Forum: Investing - Theory, News & General
Topic: Estimated outcome of Boglehead Contest
Replies: 16
Views: 806

Re: Short Term Bond Fund

Note: longer term rates have already gone up, short term rates have yet to go up. Beware market timing. +1 To jump on this market timing point, bond funds have already gone down. Some long-term funds are down double digits YTD. Granted, they could easily go down further but much of the damage could...
by Gauntlet
Mon Sep 16, 2013 8:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Short Term Bond Fund
Replies: 21
Views: 2522

Re: TIPS - Going Down with the Ship?

At the end of the day, for us bonds are for safety and income. The Intermediate Term TIPS fund is paying next to nothing and has dropped over 9% this year. We just can not pull the trigger on this fund and get back into it. There is more than one road to Rome. This is true but also a little mislead...
by Gauntlet
Fri Sep 13, 2013 10:05 am
 
Forum: Investing - Help with Personal Investments
Topic: TIPS - Going Down with the Ship?
Replies: 112
Views: 13108

Re: Allocation to international stocks

More food for thought. If an investor's human capital and house are both in her home country, it might make some sense to diversify some net worth outside the home country. One way to do this is through international stocks. In other words, it helps avoid having one's entire net worth (human capital...
by Gauntlet
Thu Sep 12, 2013 8:27 am
 
Forum: Investing - Theory, News & General
Topic: Allocation to international stocks
Replies: 21
Views: 2099

Re: "In it for the long haul"

Similar to other responses, its means that I plan to hold stocks and bonds for the rest of my life. I started investing at 22, so I it could mean 60-70 years.
by Gauntlet
Thu Aug 29, 2013 2:08 pm
 
Forum: Personal Consumer Issues
Topic: "In it for the long haul"
Replies: 19
Views: 1924

Re: Any thoughts on a "Market Neutral" bond strategy?

I just wanted to add how quickly and to what extent things have already changed in the bond market. For example, the yield on the 10yr Treasury is starting to push 3%. I believe it has already increased over 150 basis points (doubled!) in the last 12 months. In other words, if you have not changed y...
by Gauntlet
Wed Aug 21, 2013 8:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Any thoughts on a "Market Neutral" bond strategy?
Replies: 29
Views: 2207

Re: poll; what % of your bond allocation is in I-bonds?

I Bonds are about 6% of my bonds but only 2% of my entire portfolio which is why I have decided to stop buying them. Over the years, my percentage of savings bonds as it relates to my total portfolio has gotten smaller and smaller. I think they are a fine investment but the more money I put into my ...
by Gauntlet
Wed Aug 14, 2013 9:51 am
 
Forum: Investing - Theory, News & General
Topic: poll; what % of your bond allocation is in I-bonds?
Replies: 36
Views: 2686

Re: Berkshire A

I don't know what was/is in your taxable but why not total stock market or total international market and get even more diversification. It sounds like you don't know what BRK is even comprised of. I don't want to come off mean but I would not recommend investing over 300k in a company that you don'...
by Gauntlet
Tue Aug 13, 2013 2:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Berkshire A
Replies: 29
Views: 2350

Re: Bond Problems - Ignore the Chatter?

I think the best way to calm your nerves is to go to vanguard.com and check out the YTD performance of the total bond fund. After all the "panic" and "craziness" the fund is down 2.3% YTD. Yes, that is it, -2.3%.
by Gauntlet
Tue Aug 13, 2013 10:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond Problems - Ignore the Chatter?
Replies: 3
Views: 513

Re: college savings for kids - how much?

+1 for shooting for the low-end expected cost of college in the 529s. While 529s are nice, they do have many rules and penalties if not spent on allowable college expenses. I have decided to use a combination of 529s and taxable to pay for my kids' college. This way I'll make sure to drain the 529 a...
by Gauntlet
Thu Aug 08, 2013 10:01 am
 
Forum: Personal Finance (Not Investing)
Topic: college savings for kids - how much?
Replies: 20
Views: 2094

Re: Pay off student loans, or invest?

+1 for paying of the debt (unless Roth is an option than I would do that). It is a risk free rate of return and a good habit to get into. In my opinion, limiting your debt simplifies your finances and if you ever have a time in your life when you are under financial stress (loss of job), the less ma...
by Gauntlet
Tue Jul 30, 2013 10:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Pay off student loans, or invest?
Replies: 19
Views: 1387

Re: Americans wary of stocks

I actually think that the majority of citizens would be better off putting all of their savings in CDs and Savings Bonds rather than stocks and other bonds. And I'm not saying this because I think people are not smart enough to learn how to invest but I think most don't take the time and end up maki...
by Gauntlet
Tue Jul 30, 2013 10:19 am
 
Forum: Investing - Theory, News & General
Topic: Americans wary of stocks
Replies: 14
Views: 1599

Re: Larry Swedroe is next to 10,000 posts

Larry Swedroe has 9991 posts as of this writing, and many more contributions on the Boglehead philosophy which are not counted because they appear elsewhere, such as his CBS column. As an advisor who understands the financial details and makes an effort to explain them, he is a valuable contributor...
by Gauntlet
Wed Jul 24, 2013 9:42 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Larry Swedroe is next to 10,000 posts
Replies: 38
Views: 3244

Re: Thank you for saving me once again

I think it is very challenging not to tinker with ones portfolio when one is very into personal finance and is constantly digesting new investing ideas. Personally, I made a rule in my IPS that states that I am only aloud to tinker with my portfolio once a year. It is sad that I had to do this but i...
by Gauntlet
Wed Jul 17, 2013 8:24 am
 
Forum: Investing - Theory, News & General
Topic: Thank you for saving me once again
Replies: 11
Views: 3183

Re: Total Bond Market Substitution

I have about half of my bond allocation in the Vanguard total bond. The other half is in short-term gov. securities (G fund). Every once in a while I think about changing the total bond fund because it holds too many Treasuries or too many mortgage back securities etc. However, I never do because ov...
by Gauntlet
Sun Jul 14, 2013 6:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total Bond Market Substitution
Replies: 17
Views: 2033

Re: Long-Term Returns website down?

I really enjoyed the long-term return blog too. The person seemed to give good financial advice. I did a little searching with good ol' google and came across this forum over at Mr. Money Mustache. They seem to think that the person that runs LTR is getting sued. Scroll down and they start talking a...
by Gauntlet
Fri Jun 28, 2013 1:39 pm
 
Forum: Investing - Theory, News & General
Topic: Long-Term Returns website down?
Replies: 56
Views: 8766

Re: Thoughts on lump sum investing?

My suggestion is to develop a financial plan if you have not already. Take your time developing this plan and think long and hard on what you want your asset allocation to be. Then take all of your "side line" money and put it towards your AA. The wiki here has a ton of info that will help...
by Gauntlet
Mon Jun 24, 2013 7:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Thoughts on lump sum investing?
Replies: 70
Views: 2607

Re: What the blank is going on with bonds?

For the heck of it, I went to Vanguard's website and filtered all the bonds with a risk level of 1 and 2. Besides, the inflation-protection securities, nothing is down YTD much more than 3%. Intermediate-term tax exempt is down 2.13% and Total Bond is down 2.27. I guess what I'm saying is that if yo...
by Gauntlet
Fri Jun 21, 2013 9:25 am
 
Forum: Investing - Help with Personal Investments
Topic: What the blank is going on with bonds?
Replies: 36
Views: 3854

Re: Why is the Market having a major sell off?

One of the great things about being a boglehead is that we don't have worry about why the market does what it does on a daily basis. :sharebeer
by Gauntlet
Thu Jun 20, 2013 10:06 am
 
Forum: Investing - Theory, News & General
Topic: Why is the Market having a major sell off?
Replies: 121
Views: 8213

Re: 2nd set of eyes needed on newbie plan before implementat

Bonds are a bad investment right now, not sure why you would bother adding them at this time. According to my brokerage account, BND is down about 4.4% from November 2012. I can't tell if you are joking or not? If you are serious, I think this is horrible advice. Bonds still have a role in just abo...
by Gauntlet
Tue Jun 18, 2013 1:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: 2nd set of eyes needed on newbie plan before implementation
Replies: 17
Views: 754

Re: 2nd set of eyes needed on newbie plan before implementat

Other than just double-checking my numbers, I think I only have one question: Since 100% of my future 2013 retirement account contributions will go to the TSP where I have no international, won't I need to rebalance my portfolio more than just once a year to keep the US vs. International ratio at t...
by Gauntlet
Tue Jun 18, 2013 1:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: 2nd set of eyes needed on newbie plan before implementation
Replies: 17
Views: 754

Re: 2nd set of eyes needed on newbie plan before implementat

Bonds are a bad investment right now, not sure why you would bother adding them at this time. According to my brokerage account, BND is down about 4.4% from November 2012. I can't tell if you are joking or not? If you are serious, I think this is horrible advice. Bonds still have a role in just abo...
by Gauntlet
Tue Jun 18, 2013 1:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: 2nd set of eyes needed on newbie plan before implementation
Replies: 17
Views: 754

Re: Bond allocation - TIPS/I bonds

OP, I think that 50/50 TIPS fund and Total Bond is a perfectly fine allocation for your bonds. Heck, the book that basically started all of this, "The Boglehead's Guide To Investing" recommended that allocation. But like the majority here, I'm just some person on the Internet so you need t...
by Gauntlet
Mon Jun 17, 2013 10:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond allocation - TIPS/I bonds
Replies: 11
Views: 1467

Re: when to re-balance ??

+1 for rebalancing once per year.
by Gauntlet
Wed Jun 12, 2013 8:13 am
 
Forum: Investing - Help with Personal Investments
Topic: when to re-balance ??
Replies: 11
Views: 701

Re: A good core bond fund

OP, I don't know how all of your other money is allocated but personally, I think that the Vanguard Intermediate Term Tax-Exempt fund is a fine choice for a bond fund located in a taxable account. Full disclosure, I currently use savings bonds for my taxable bonds.
by Gauntlet
Tue Jun 11, 2013 9:33 am
 
Forum: Investing - Help with Personal Investments
Topic: A good core bond fund
Replies: 12
Views: 1845

Re: Using Int Term Tax Exempt vs. Savings Acct

You should NEVER use any bond fund for an emergency fund. I think this is too strict of a statement. Emergency funds are different things for different people. Mainly, savers just need to make sure they have access to money if the dreaded emergency happens. A short-term bond fund would be a fine ch...
by Gauntlet
Tue Jun 11, 2013 8:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Using Int Term Tax Exempt vs. Savings Acct
Replies: 21
Views: 1432

Re: Opinions on recent Boglehead convert portfolio

It might have been better to take longer than 3 weeks to make the decision. Having said that, your new strategy sounds much better than your previous one and you will likely be much wealthier because of it. I have been a passive investor for almost 15 years and I have yet to regret my decision.
by Gauntlet
Wed May 29, 2013 9:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Opinions on recent Boglehead convert portfolio
Replies: 16
Views: 1128

Re: The new profitability factor, US and int'l evidence

Let's see... the value factor is supposed to be more persistent and positive than the size factor or the market factor. However, recent evidence suggests that MOM, a growth factor, is also persistent and positive. Now we have another positive factor, profitability, associated with growth. So two fa...
by Gauntlet
Wed May 15, 2013 9:25 am
 
Forum: Investing - Theory, News & General
Topic: The new profitability factor, US and int'l evidence
Replies: 169
Views: 11320

Re: Deciding How Much to put in International

The choice of an investor's percentage of equities that are international is much less important than the choice of percentage of the overall portfolio that is in bonds. Having said that, I really don't understand why some are so against holding international. If an investor owns zero international ...
by Gauntlet
Thu May 09, 2013 9:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Deciding How Much to put in International
Replies: 59
Views: 5897

Re: Maine or Vanguard 529 plan

I use the Vanguard plan. I like it. The expense ratio for the age-based solution is .25. The age-based solution has my favorite funds: Total US, International, and US Bond. The Vanguard plan also doesn't have any annual fee.
by Gauntlet
Wed May 08, 2013 12:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Maine or Vanguard 529 plan
Replies: 9
Views: 1160

Re: Now's the time to buy bonds - Gundlach

During the past 5 years, it has never felt better to be a boglehead. The market tanked and the world was going to end. I did nothing but re-balance into equities and everything turned out great. Bond bubble talk has been going on for 2 years. Again, I have done nothing and bonds just kept going up w...
by Gauntlet
Tue May 07, 2013 5:05 pm
 
Forum: Investing - Theory, News & General
Topic: Now's the time to buy bonds - Gundlach
Replies: 15
Views: 3808

Re: A good day to take some money off the table

I take money off the table or put money on the table once a year. When times are good follow your plan. When times are bad follow your plan. my 2 cents.
by Gauntlet
Fri May 03, 2013 8:49 pm
 
Forum: Investing - Theory, News & General
Topic: A good day to take some money off the table
Replies: 96
Views: 8002

Re: Time to Leave F Fund for G Fund?

VictoriaF wrote:I keep all my TSP fixed income in the G Fund. If I wanted 'regular' bond funds, I could find them elsewhere.

Victoria


+1

However, if all of my retirement money was within the TSP, I would probably have my fixed income be a 50/50 split between F and G for life.
by Gauntlet
Fri Apr 26, 2013 12:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Time to Leave F Fund for G Fund?
Replies: 37
Views: 2825
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