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Help me select bond fund in 401K

Friends, My 401K has has changed to a new provider and has limited bond fund selections. No index bond funds. The equity side has nice Vanguard signal shares and I'm happy with that. Here are the bond funds (no load), please tell me your opinion of these for my fixed income side. I desire 50/50 bond...
by Gort
Tue Apr 08, 2014 11:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help me select bond fund in 401K
Replies: 3
Views: 310

Re: How/do you change asset allocation with time?

Aptenodytes wrote:Ambiguities are likely to cloud results.


Thanks for your comments. I expected "cloudy" answers based on the ambiguous question. I was more interested in the discussion rather than the poll results.
by Gort
Thu Mar 27, 2014 8:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: How/do you change asset allocation with time?
Replies: 18
Views: 1136

How/do you change asset allocation with time?

Friends,
I was wondering how or if you change your asset allocation as you get older. Specifically, what manner do you use to increase fixed income and reduce equity exposure as time goes by.
Thanks,
Gort
by Gort
Thu Mar 27, 2014 9:59 am
 
Forum: Investing - Help with Personal Investments
Topic: How/do you change asset allocation with time?
Replies: 18
Views: 1136

Re: LifeStrategy, Not TR in 401k

Calm Man wrote:I love LS Moderate Growth for IRA, 401K and Roths. It is somewhat more expensive (about double) than the components but no need for rebalancing which presumably is worth 8 basis points per year. And if not "worth" it dollars-wise it is convenience-wise.


:happy
by Gort
Fri Mar 14, 2014 7:44 pm
 
Forum: Investing - Theory, News & General
Topic: LifeStrategy, Not TR in 401k
Replies: 25
Views: 1665

Re: Are Bogleheads "robots with Excel Spreadsheets?"

I'm not a robot. Oops, maybe I am!
Gort
by Gort
Sun Dec 29, 2013 7:09 pm
 
Forum: Investing - Theory, News & General
Topic: Are Bogleheads "robots with Excel Spreadsheets?"
Replies: 74
Views: 3850

Re: S&P 500% of Tot. Stk. Mkt?

From the wiki link above, it looks like 80%.
by Gort
Sun Dec 15, 2013 5:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: S&P 500% of Tot. Stk. Mkt?
Replies: 5
Views: 1153

Re: Math question about Rick Ferri's efficient frontier curv

Methinks some people have too much time on their hands :happy
by Gort
Fri Dec 06, 2013 11:41 pm
 
Forum: Investing - Theory, News & General
Topic: Math question about Rick Ferri's efficient frontier curve
Replies: 45
Views: 2890

Re: Marijuana index funds

InvestorNewb wrote:
I'm sure this will come off as a stupid question

Yep.
by Gort
Wed Dec 04, 2013 11:47 pm
 
Forum: Investing - Theory, News & General
Topic: Marijuana index funds
Replies: 29
Views: 3855

Re: Vanguard Inconsistency

It's interesting to see the actual Countries and Regions represented in a 50:50 TSM and TINTL portfolio (rounded to whole numbers): COUNTRIES (Top 10 + USA): 50% USA 8% United Kingdom 8% Japan 4% Canada 3% France 3% Germany 3% Switzerland 3% Australia 2% China 2% Korea 2% Taiwan REGION 54% North Ame...
by Gort
Mon Dec 02, 2013 1:30 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard Inconsistency
Replies: 23
Views: 2574

Re: Independent Adviser for Vanguard Investors

EmergDoc wrote:I'm starting to get skeptical of these periodic questions about the newsletter from first time posters. Has anyone every looked at the IP addresses of these Wiener questioners?

The OP's question and subsequent response to CABob seem legit. I wouldn't worry.
by Gort
Fri Nov 29, 2013 10:47 pm
 
Forum: Investing - Theory, News & General
Topic: Independent Adviser for Vanguard Investors
Replies: 8
Views: 1182

Re: Simplicity is beautiful.

“If you can't explain it to a six year old, you don't understand it yourself.”
― Albert Einstein

My simple portfolio (age 60, retiring soon).
50% Total Bond Market
25% Total Stock Market
25% Total International Market.
by Gort
Fri Nov 29, 2013 5:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Simplicity is beautiful.
Replies: 29
Views: 3867

Re: When has Total Intl outperformed Total US?

Middle wrote:When has VGSTX outperformed VTSAX?

I think you meant "VGTSX" rather than "VGSTX".
by Gort
Wed Nov 27, 2013 4:50 pm
 
Forum: Investing - Theory, News & General
Topic: When has Total Intl outperformed Total US?
Replies: 17
Views: 3094

Re: Best way to sell old engagement ring

VictoriaF wrote:Reuse it for the next engagement. Choose a girl by the size of her fingers.

Victoria

Start large then go skinny. It's easier and cheaper to resize the ring by taking metal out rather than putting it in.
by Gort
Sun Nov 10, 2013 11:03 pm
 
Forum: Personal Consumer Issues
Topic: Best way to sell old engagement ring
Replies: 47
Views: 3690

Front load washer and dryer pedestals - like them?

Friends,
For those of you with non-stacked front load washer and dryers, did you get the pedestals? If so, do you like them? Anyone who didn't get them, do you wish you did?
Thanks,
Gort
by Gort
Fri Oct 18, 2013 12:14 am
 
Forum: Personal Consumer Issues
Topic: Front load washer and dryer pedestals - like them?
Replies: 33
Views: 2387

Does VBS offer same account service as Vanguard?

Friends, Does the Vanguard Brokerage Service offer the same service as having just a Vanguard mutual fund account? By this I mean will VBS provide you with all the cost basis, capital gains/loss info and other tax-related information that Vanguard supplies for their mutual fund account? Thanks much,...
by Gort
Wed Oct 16, 2013 2:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Does VBS offer same account service as Vanguard?
Replies: 2
Views: 218

Why no Total World Stock Index admiral shares?

Friends,
The Total World Stock index mutual fund has an ER of 0.35%. The corresponding ETF has an ER of 0.19%. Why do you think Vanguard doesn't offer admiral shares of the mutual fund with an ER closer to the ETF? Would be nice of they did.
Thanks,
Gort
by Gort
Wed Oct 16, 2013 2:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why no Total World Stock Index admiral shares?
Replies: 3
Views: 598

Re: Vanguard joining the Mutual Fund Marketing Bandwagon

CyberBob wrote:And it's going to have Admiral shares from day one? Aw, come on! Where are the Admiral shares for Total World Stock fund, which has already been around for five years?!?

Bob :annoyed


Good point Bob!! Why doesn't Vanguard offer Total World Stock admiral shares??? :x
by Gort
Sat Sep 28, 2013 6:19 pm
 
Forum: Investing - Theory, News & General
Topic: [Vanguard Announces New Low Volatility Fund]
Replies: 91
Views: 10468

WSJ Online - Sunday Edition

Friends,
I used to be able to read select financial news articles in the Wall Street Journal, Sunday online edition for free. It appears it's no longer free :annoyed . Anyone else notice this?
Gort
by Gort
Sun Aug 11, 2013 10:37 pm
 
Forum: Personal Consumer Issues
Topic: WSJ Online - Sunday Edition
Replies: 3
Views: 527

Re: Vanguard Target Retirement Funds?

Here are the scenarios where TR funds shine brightest: 5) You are not sure you have the discipline (or time or inclination...) to maintain your preferred asset allocation, including a reduction in your equity allocation as you age (according to whatever glidepath you may have selected). Some people...
by Gort
Sat Jul 27, 2013 1:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Retirement Funds?
Replies: 14
Views: 6210

Building new house - central vacuum worth it?

Friends,
I'm in the process of having a new house built. For those of you who have experience with central vacuums, do you find that was money well spent for the appliance?
Thanks,
Gort
by Gort
Fri Jul 26, 2013 10:50 pm
 
Forum: Personal Consumer Issues
Topic: Building new house - central vacuum worth it?
Replies: 35
Views: 3577

A/V Receiver for TV - which one?

Friends, I want to get a simple A/V receiver for my television. In addition to the TV, I want to hook up a cable TV box, Apple TV box, and a DVD player to the receiver and be able to control which device provides the signal to the TV from the receiver. Currently, I'm swapping the HDMI cables out of ...
by Gort
Mon Jul 22, 2013 11:23 pm
 
Forum: Personal Consumer Issues
Topic: A/V Receiver for TV - which one?
Replies: 8
Views: 687

50:50 Total Bond & Total International Bond??

Friends,
For simplicity in my fixed income components, what do you think of having equal amounts of the Total Bond Market and Total International Bond Market funds?
Thanks,
Gort
by Gort
Fri Jul 19, 2013 4:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: 50:50 Total Bond & Total International Bond??
Replies: 3
Views: 396

Sold house. Where to put money for next home purchase??

Friends,
I recently sold my house and will be closing on a new house in 6 months. I'm using the money from the sale to purchase a new home. No mortgage. Where should I keep the money until closing?
Thanks,
Gort
by Gort
Sun Jul 14, 2013 6:00 pm
 
Forum: Personal Consumer Issues
Topic: Sold house. Where to put money for next home purchase??
Replies: 4
Views: 605

New garage floor: Stain, Epoxy, Paint or leave plain?

Friends, If you had a choice to put a finish on your new concrete garage floor, which product would you use? I have used alkyd based paint before on a different garage floor but with time the paint peels from exposure to the car's tires. I would like a surface that doesn't peel but if it did, it wou...
by Gort
Sun Jun 30, 2013 6:01 pm
 
Forum: Personal Consumer Issues
Topic: New garage floor: Stain, Epoxy, Paint or leave plain?
Replies: 15
Views: 3166

Re: Returning used items to the store [POLL]

I answered "Yes" before reading the first post. Knowing that, I would have answered "no". To do otherwise would be dishonest.
by Gort
Fri May 31, 2013 8:13 pm
 
Forum: Personal Consumer Issues
Topic: Returning used items to the store [POLL]
Replies: 50
Views: 2343

Why no Intermediate-Term (I-T) Corporate Bond Fund?

Friends, It was my understanding that Vanguard's ETF's were (somehow???) related to their respective mutual fund. The I-T Treasury mutual fund (VFITX) appears to have a corresponding ETF, the I-T Government ETF (VGIT). There seems to be an I-T Corporate Bond ETF (VCIT) but no corresponding mutual fu...
by Gort
Fri May 31, 2013 5:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why no Intermediate-Term (I-T) Corporate Bond Fund?
Replies: 8
Views: 951

Re: Why don't Vanguard fund-of-funds use admiral shares?

You do at least get the lower ER of the Total Bond Market II Investor shares (0.12) in these fund-of-funds instead of the 0.20 ER in the TBM Investor shares (0.20). That's still higher than the TBM admiral shares ER (0.10).
by Gort
Thu May 30, 2013 8:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why don't Vanguard fund-of-funds use admiral shares?
Replies: 19
Views: 2734

Re: [Why do posts have "[physician]" in thread title]

JW Nearly Retired wrote:I don't think the moderators should be routinely adding anything to the thread titles. If they want to change something they should at least ask permission from the OP first.

Good grief, Bogleheads doesn't need to become a nanny web site.
JW


Well said.
by Gort
Sat May 04, 2013 12:36 pm
 
Forum: Forum Issues and Administration
Topic: [Why do posts have "[physician]" in thread title]
Replies: 44
Views: 4226

And the Highest-Paid College Majors Are...(revisited)

Private message sent to moderator asking to reopen the original post.
by Gort
Mon Apr 29, 2013 11:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: And the Highest-Paid College Majors Are...(revisited)
Replies: 3
Views: 825

Re: Ferri's 60-20-20 Bond Portfolio

From the Morningstar interview, Bogle says the following: "...I wouldn't go all the way to corporates. I'd keep these Treasury positions. So, if we don't have an index fund that accurately reflects the total bond market for U.S. investors, you maybe take half of that and put it in a corporate-...
by Gort
Sun Apr 21, 2013 4:33 pm
 
Forum: Investing - Theory, News & General
Topic: Ferri's 60-20-20 Bond Portfolio
Replies: 43
Views: 4630

Re: Ferri's 60-20-20 Bond Portfolio

Rick Ferri said "I believe the 20% TIPS / 60 TBM / 20 high yield mix offers adequate diversification without complication and higher cost."
Too bad the high-yield corporate fund is still closed to new investors however.
Maybe it's open to Flagship level investors???
by Gort
Sun Apr 21, 2013 1:07 pm
 
Forum: Investing - Theory, News & General
Topic: Ferri's 60-20-20 Bond Portfolio
Replies: 43
Views: 4630

Re: Jack Bogle: We need to fix the bond index

From the Morningstar interview, Bogle says the following: "...I wouldn't go all the way to corporates. I'd keep these Treasury positions. So, if we don't have an index fund that accurately reflects the total bond market for U.S. investors, you maybe take half of that and put it in a corporate-b...
by Gort
Fri Apr 19, 2013 11:48 pm
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle: We need to fix the bond index
Replies: 48
Views: 6584

Re: What is the lowest possible Expense Ratios could go?

larryswedroe wrote:could go to zero because of the ability to earn fees from securities lending
Larry


Maybe it could even go lower than zero - then Vanguard would be paying us to invest with them! :greedy :moneybag :greedy
by Gort
Sat Apr 13, 2013 1:07 pm
 
Forum: Investing - Theory, News & General
Topic: What is the lowest possible Expense Ratios could go?
Replies: 26
Views: 1738

Re: Post your asset allocation here:

50% Intermediate-term Bond Index
30% Total Stock Market
15% Total International Stock Index
5% REIT index
by Gort
Tue Apr 09, 2013 10:02 pm
 
Forum: Investing - Theory, News & General
Topic: Post your asset allocation here:
Replies: 136
Views: 11072

Re: Vanguard is on the Password Hall of Shame.

Has anyone who has posted in this discussion have their Vanguard account hacked into? Seems to me this thread is a solution looking for a problem.
by Gort
Sun Apr 07, 2013 7:28 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard is on the Password Hall of Shame.
Replies: 250
Views: 30420

Re: [POLL] What would you like Vanguard to change or improve

From the T.Rowe Price website concerning their quarterly automatic rebalancing program: "Prior to the rebalancing of my accounts, T. Rowe Price will calculate for each fund account included in the IRA Asset Rebalancing the absolute value of the difference between the actual percentage and perce...
by Gort
Sun Mar 17, 2013 12:21 am
 
Forum: Investing - Theory, News & General
Topic: [POLL] What would you like Vanguard to change or improve?
Replies: 92
Views: 6674

Re: [POLL] What would you like Vanguard to change or improve

T.Rowe Price has a nice rebalancing tool for their investors. I wish Vanguard would have one. High on my wish list!
by Gort
Fri Mar 15, 2013 2:07 pm
 
Forum: Investing - Theory, News & General
Topic: [POLL] What would you like Vanguard to change or improve?
Replies: 92
Views: 6674

Slice and dice international: By Region or Large and Small?

Friends, Do you think it is beneficial to slice and dice international equities into: 1. Equal amounts of VEURX (European Index), VPACX (Pacific Index) and VEIEX (Emerging Markets Index), or 2. Some combination of FTSE All World ex-US Index (VFWIX) and FTSE All World ex-US small cap (VFSVX), or 3. J...
by Gort
Tue Mar 12, 2013 8:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Slice and dice international: By Region or Large and Small?
Replies: 2
Views: 280

Re: Target Retirement Funds to add international bonds

John Maynard Keynes famously stated, "When my information changes, I alter my conclusions." If a new relevant fund appears, why should not Target-Retirement funds adjust their composition? The strategy set it and forget it works far better than market timing and speculation. Appropriate s...
by Gort
Sat Feb 09, 2013 11:59 am
 
Forum: Investing - Theory, News & General
Topic: Target Retirement Funds to add international bonds
Replies: 76
Views: 8911

Does Vanguard allow 401k tranfers into closed funds?

Friends,
If I was ready to retire and transfer my company sponsored 401K (Hartford acct) to Vanguard, would Vanguard allow me access to closed funds? Just wondering.
Thanks,
Gort
by Gort
Sun Jan 27, 2013 1:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Does Vanguard allow 401k tranfers into closed funds?
Replies: 3
Views: 400

Re: How to do 50:50 split with LifeStrategy Funds

An 85% LifeStrategy Moderate Growth fund (60/40) combined with 15% TIPS Fund results in the following portfolio: 36% TSM 15% Total International 34% Total Bond 15% TIPS. Nice. Super easy to rebalance. Well diversified. Low ER. Thanks for the great suggestion. You all are very helpful!!! No comments...
by Gort
Thu Dec 27, 2012 9:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to do 50:50 split with LifeStrategy Funds
Replies: 21
Views: 2086

Re: How to do 50:50 split with LifeStrategy Funds

An 85% LifeStrategy Moderate Growth fund (60/40) combined with 15% TIPS Fund results in the following portfolio:
36% TSM
15% Total International
34% Total Bond
15% TIPS.
Nice. Super easy to rebalance. Well diversified. Low ER.
Thanks for the great suggestion. You all are very helpful!!!
by Gort
Wed Dec 26, 2012 10:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to do 50:50 split with LifeStrategy Funds
Replies: 21
Views: 2086

How to put value on military pension?

Friends, Is there a way to put a value on a annual military retirement pension equating that to what amount of fixed income investment (let's say Total Bond Market fund) would be required to generate the same annual amount? For example, if i was to receive $24,000 annually ($2,000 per month), what a...
by Gort
Tue Dec 25, 2012 12:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to put value on military pension?
Replies: 28
Views: 2628

How to do 50:50 split with LifeStrategy Funds

Friends, If I wanted a 50/50 (equity/bonds) allocation in a tax-deferred account by just using two LifeStrategy balanced funds, what would be the difference between using equal amounts of a 60/40 fund combined with a 40/60 fund versus equal amounts of an 80/20 fund combined with a 20/80 fund? Thanks...
by Gort
Thu Dec 20, 2012 10:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to do 50:50 split with LifeStrategy Funds
Replies: 21
Views: 2086

Re: Tempur-Pedic mattresses

While Tempurpedic can be comfortable when initially laying on it, the foam does not dissipate heat. I absolutely detest the product as it causes people's skin temperatures to rise too much and causes excessive sweating. I recommend Tempurpedic only for those individuals who are always cold. Nonsens...
by Gort
Thu Dec 20, 2012 10:12 pm
 
Forum: Personal Consumer Issues
Topic: Tempur-Pedic mattresses
Replies: 64
Views: 5847

Re: Vanguard is on the Password Hall of Shame.

If someone hacked into your account, what would they do to it? Transfer money to your bank account?
by Gort
Sun Dec 02, 2012 11:13 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard is on the Password Hall of Shame.
Replies: 250
Views: 30420

Re: Thoughts on Target-Date Funds...

"it takes people away from being aware of what the market is doing"
Yep, that's what it does - with more time to do other pleasurable things :happy.
by Gort
Sun Oct 21, 2012 10:58 pm
 
Forum: Investing - Theory, News & General
Topic: Thoughts on Target-Date Funds...
Replies: 45
Views: 3108

Re: Buying a Certified Pre-Owned BMW

I bought a 2006 CPO 330 coupe in 2008. It replaced a 2003 325 sedan I bought new. I'm very happy with both purchases and the driving experience is wonderful. Obviously some people aren't concerned about this but I am and I'll pay extra for the experience. I don't know what price you can put on buyin...
by Gort
Sat Oct 06, 2012 1:44 pm
 
Forum: Personal Consumer Issues
Topic: Buying a Certified Pre-Owned BMW
Replies: 54
Views: 6808

Which fund to draw cash from during retirement

Friends, If I have 3 funds in my IRA (TSM, TISM, TBM) but want to rebalance annually and put 5% of the total amount in a fund to automatically withdraw 12 equal monthly amounts each year, what fund would you use? Also, would that fund be placed in your IRA or would you put it in a taxable account? T...
by Gort
Sat Sep 29, 2012 4:58 pm
 
Forum: Investing - Theory, News & General
Topic: Which fund to draw cash from during retirement
Replies: 6
Views: 596
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