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Re: What mutual fund companies do you use?

Vanguard. I used to use T Rowe Price, but switched everything to Vanguard because of lower costs.
by Index Fan
Tue Jan 27, 2015 8:34 pm
 
Forum: Investing - Theory, News & General
Topic: What mutual fund companies do you use?
Replies: 62
Views: 2790

Re: data mining vs. historical performance

I've always looked at historical performance as a result of historical events as opposed to something you can extrapolate an 'average investing return' from. I think seeing average investing returns can be dangerous because you 'expect' a certain amount of returns because that's what happened in pas...
by Index Fan
Tue Jan 27, 2015 8:29 pm
 
Forum: Investing - Theory, News & General
Topic: data mining vs. historical performance
Replies: 39
Views: 1584

Re: Play money- what is your process?

I allow myself up to 5% of my total investing money as play money. Right now, that consists in a couple percent in GLD. No real procedures involved, just keeping the amount limited to 5% or less. Why would someone follow a non-optimal investment strategy? Just because they chose to call certain fund...
by Index Fan
Tue Jan 27, 2015 8:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Play money- what is your process?
Replies: 63
Views: 3827

Re: Mr. Bogle on CNBC today--International and Bonds

I can't quite figure out why Mr. Bogle says you don't need international equities then says don't own more than 20% of your equities in international. Shouldn't he say you should own 0%, given his view on the subject? Or is he seeing that 20% a limit on currency plays? Me and Mr. Bogle will have to ...
by Index Fan
Tue Jan 27, 2015 6:31 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Bogle on CNBC today--International and Bonds
Replies: 49
Views: 5553

Re: Bank adviser did some terrible advising...Help please

After leaving, tell the credit union manager you will tell everyone you know what a bunch of self-interested thieves they are, recommending load funds to the untutored. It probably won't make a difference, but you never know. You'll feel slightly better, too. If your girlfriend becomes a Boglehead b...
by Index Fan
Tue Jan 27, 2015 6:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bank adviser did some terrible advising...Help please
Replies: 25
Views: 1820

Re: Is it time to give-up on TIPS?

I'm staying the course with my TIPS because nobody knows what's going to happen. That's the reason I diversify. Case in point- we've heard 'bond rates have nowhere to go but up' for several years now. In all but 1 of those years, bonds have done fairly well. Bond rates have not gone up. Timing is ve...
by Index Fan
Mon Jan 26, 2015 8:34 am
 
Forum: Investing - Theory, News & General
Topic: Is it time to give-up on TIPS?
Replies: 39
Views: 4055

Poll: Principles of Boglehead Philosophy

Just for fun...pick what you think are the top 3 Boglehead principles. You can re-vote if you change your mind.
by Index Fan
Fri Jan 23, 2015 1:05 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Principles of Boglehead Philosophy
Replies: 66
Views: 3532

Re: What is your commodities stocks/indexes allocation?

1-4% for a small amount of GLD & silver/gold coins.
by Index Fan
Thu Jan 22, 2015 9:18 pm
 
Forum: Investing - Theory, News & General
Topic: What is your commodities stocks/indexes allocation?
Replies: 20
Views: 1020

Re: Poll

Cremation is cheaper and takes up less space- seems to be fairly Bogleheadish to me ;)
by Index Fan
Thu Jan 22, 2015 2:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll [Cemetery or Cremation]
Replies: 20
Views: 700

Re: What age did you hit $100,000?

Not to be a killjoy here, but there are far too many variables to get any conclusions from this simple question. Someone making $150,000 a year with a spouse also making 6 figures will generally take far less time to get there than a single person making $50,000 annually. Some people start investing...
by Index Fan
Wed Jan 21, 2015 8:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age did you hit $100,000?
Replies: 68
Views: 5831

Re: Poll: Your Max. REIT Allocation

10% of my portfolio is in the REIT Index, has been for over a dozen years. It's my one nod to slice and dice / sector investing in a TSM / TISM / TBM / TIPS portfolio. It's worked out well, but it can be a wild ride.
by Index Fan
Sat Jan 17, 2015 7:16 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Your Max. REIT Allocation
Replies: 54
Views: 4050

Re: investing in community solar panels

I wouldn't invest money outside of broad market index funds (properly allocated) that I couldn't afford to lose. Play money, as in 5-10% of your allocation? Sure. As far as something that sounds like a good investment opportunity, it's probably a coin toss. My guess would be that the 'best investmen...
by Index Fan
Tue Jan 13, 2015 8:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: investing in community solar panels
Replies: 12
Views: 762

Re: Prognosis On REIT Index Fund

You should only invest in something because you believe in the premise of how it makes money, and you should only divest if the facts change, or your circumstances change. If you think real estate should be part of your asset allocation, I doubt this article is a reason to change that allocation. I...
by Index Fan
Tue Jan 13, 2015 8:44 pm
 
Forum: Investing - Theory, News & General
Topic: Prognosis On REIT Index Fund
Replies: 9
Views: 2142

Re: We miss Larry Swedroe

Add my name to the rolls of the Larry Swedroe & Rick Ferri Fan Clubs. This board would be a poorer place without them.
by Index Fan
Sun Jan 11, 2015 11:15 pm
 
Forum: Investing - Theory, News & General
Topic: We miss Larry Swedroe
Replies: 28
Views: 7438

Re: 50/50 simplicity

50/50 here as well- and I sleep well. You participate in both equity & bond rallies mostly without huge gyrations.
by Index Fan
Wed Jan 07, 2015 4:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: 50/50 simplicity
Replies: 25
Views: 3139

Re: What would you have done differently when retiring?

If you want to work part-time, start working that first year. You'd be surprised how hard it is to go back to work after years of not working- your mental space with what you do with your time becomes totally different.
by Index Fan
Sun Dec 28, 2014 10:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: What would you have done differently when retiring?
Replies: 107
Views: 10677

Re: Facebook is Outrageous

Always hard to tell where these internet stocks will go. Remember the big days of Yahoo, AOL and CompuServe?

I'll stick to my index funds!
by Index Fan
Sun Dec 28, 2014 12:30 am
 
Forum: Investing - Theory, News & General
Topic: Facebook is Outrageous
Replies: 78
Views: 9874

Re: [Why did my fund suddenly drop in value?]

Please sticky this post!
by Index Fan
Thu Dec 18, 2014 6:20 pm
 
Forum: Investing - Theory, News & General
Topic: [Why did my fund suddenly drop in value?]
Replies: 151
Views: 22934

Re: Bonds

If your bond position would be a long-term buy-and-hold in accordance with your asset allocation plan, I'd buy them. Remember, if rates go up, bonds will start earning more interest and if you are holding them for the long term this works out for you. I have 50% of my allocation in bonds and sleep l...
by Index Fan
Mon Dec 15, 2014 5:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bonds
Replies: 7
Views: 794

Re: Am I crazy to move my emergency fund to bonds?

Welcome back Noob!

I keep some emergency money in savings accounts, and some in short term bonds. Not crazy at all.
by Index Fan
Sun Dec 14, 2014 11:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Am I crazy to move my emergency fund to bonds?
Replies: 8
Views: 1233

Re: I'm an Irrational Bond Chicken Little

12-year returns of the Vanguard Total Bond Market Index (admiral shares), which is an intermediate-duration bond fund: 2002 8.32% 2003 4.04% 2004 4.33% 2005 2.49% 2006 4.36% 2007 7.02% 2008 5.15% 2009 6.04% 2010 6.54% 2011 7.69% 2012 4.15% 2013 -2.15% 2014 6.07% YTD This was during a time of stock m...
by Index Fan
Sun Dec 14, 2014 8:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: I'm an Irrational Bond Chicken Little
Replies: 32
Views: 2997

Re: TOTALLY STRESSED - HUSBAND LOST JOB..

It's not the end of the world if your kids work their way through college or technical school. I and many others have done this. There is a satisfaction in paying one's own way, and it grounds you in financial reality.
by Index Fan
Thu Dec 11, 2014 10:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Totally Stressed. Husband lost job.
Replies: 29
Views: 6922

'Might Jack Bogle Be Wrong for a Change?' [Int'l holdings]

Might Vanguard Founder Jack Bogle Be Wrong for a Change? Is the father of index investing a market xenophobe? And is Ray Dalio’s “all-weather portfolio” all wet? (Barron's) http://online.barrons.com/articles/might-vanguard-founder-jack-bogle-be-wrong-for-a-change-1418168114 “A portfolio that was 50...
by Index Fan
Wed Dec 10, 2014 5:30 pm
 
Forum: Investing - Theory, News & General
Topic: 'Might Jack Bogle Be Wrong for a Change?' [Int'l holdings]
Replies: 49
Views: 4326

Re: Supporting the Operating Costs of the Forum

In true Boglehead form, I am freeloading here ;)
by Index Fan
Tue Dec 09, 2014 6:10 pm
 
Forum: Forum Issues and Administration
Topic: Supporting the Operating Costs of the Forum
Replies: 35
Views: 4422

Re: Why should I avoid REITs?

I keep roughly 10% of my AA in the REIT Index too. Over the last 15 years it has been quite rewarding- my best-returning fund for that time period- though at times its volatility has been extreme- occasionally in the neighborhood of 5% A DAY . Overall diversification with TSM has been good. Not for ...
by Index Fan
Thu Nov 27, 2014 12:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Why should I avoid REITs?
Replies: 59
Views: 8893

Re: Girlfriend with a LOT of Student debt.

Don't be a fool. But hey, it's your life (at least for now).
by Index Fan
Wed Nov 26, 2014 12:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Girlfriend with a LOT of Student debt.
Replies: 166
Views: 13774

Re: Vanguard Ultra-Short-Term Bond Fund coming in early 2015

I'll stick with the Short-Term Bond Index.
by Index Fan
Tue Nov 25, 2014 5:42 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Ultra-Short-Term Bond Fund coming in early 2015.
Replies: 39
Views: 4814

Re: Obligation to Parents?

Obligation to help? Yes.

Obligation to facilitate destructive financial behaviors? No.
by Index Fan
Thu Nov 13, 2014 2:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Obligation to Parents?
Replies: 77
Views: 4340

Re: Gold As A Currency Hedge

metacritic wrote:I hedge with cowry shells, while others use gold. To each their own.


You'd have a point if banks worldwide hoarded cowrie shells.
by Index Fan
Tue Nov 11, 2014 3:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Gold And Silver As A Currency Hedge?
Replies: 125
Views: 18078

Re: Is Vanguard a good place to invest?

I've been with Vanguard since the 1990s and I've been satisfied with both the very low-cost products and the service I've received.
by Index Fan
Tue Nov 04, 2014 10:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is Vanguard a good place to invest?
Replies: 59
Views: 5274

Re: "Why Bother With Bonds" -- A Gem

"There are currently a lot of people that think rates are so low that there is nowhere to move but up. They have thought this for six years now."

If there ever is a sticky quotes thread, this belongs on it!
by Index Fan
Fri Oct 31, 2014 4:00 pm
 
Forum: Investing - Theory, News & General
Topic: "Why Bother With Bonds" -- A Gem
Replies: 33
Views: 9214

Re: A Challenge for Bogleheads - the market has changed

nisiprius wrote:The market is always changing.


This!
by Index Fan
Fri Oct 31, 2014 3:54 pm
 
Forum: Investing - Theory, News & General
Topic: A Challenge for Bogleheads - the market has changed
Replies: 53
Views: 7138

Re: Why so long to transfer IRA to Vanguard?

It took 2 weeks for my rollover to Vanguard to happen- that was in the 1990's.
by Index Fan
Fri Oct 31, 2014 3:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why so long to transfer IRA to Vanguard?
Replies: 29
Views: 1878

Re: fleeced by an adviser, is there a recourse?

Look on the bright side- you've now educated yourself and this will not happen again. He will get nothing from you from this day forward. Drop him a note about your newfound knowledge. Feel free to post comments about the 'service' you received from him on appropriate sites and hopefully a few other...
by Index Fan
Tue Oct 28, 2014 3:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: fleeced by an adviser, is there a recourse?
Replies: 104
Views: 9781

Re: Why do Engineers Think They’ll Be Good at Picking Stocks

Members of a MENSA investors club thought they would be good at picking stocks. They weren't, in a famous example.

Investing is really counter intuitive, even for smart people.
by Index Fan
Tue Oct 21, 2014 4:56 pm
 
Forum: Investing - Theory, News & General
Topic: Why do Engineers Think They’ll Be Good at Picking Stocks?
Replies: 135
Views: 11028

Re: Why I sold my gold, and would sell commodities too

Am waiting to buy a small portion of GLD myself, hopefully on a price dip :) No more than (and probably less than) 5% of my portfolio. I'm not looking at the price movement of gold over any period of time as a rationale, but as a crisis 'if the s*** hits the fan' portfolio insurance.
by Index Fan
Mon Sep 22, 2014 8:23 pm
 
Forum: Investing - Theory, News & General
Topic: Why I sold my gold, and would sell commodities too
Replies: 71
Views: 6392

Re: You may want to rethink the odds of ever needing LTCi

I'd be very interested in seeing how often LTCi actually pays when it is needed. I've seen quite a few (admittedly anecdotal) stories about people who paid for LTCi for years and then when it was needed all sorts of roadblocks and denial of claims came from the insurance company. If someone who is i...
by Index Fan
Mon Sep 22, 2014 8:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: You may want to rethink the odds of ever needing LTCi
Replies: 89
Views: 9659

Re: How do you store your electronic account statements?

I store my recent electronic account statements on an encrypted flash drive.

My older electronic records I store on a CD.
by Index Fan
Thu Sep 18, 2014 7:13 am
 
Forum: Personal Finance (Not Investing)
Topic: How do you store your electronic account statements?
Replies: 24
Views: 1835

Re: Any success stories of ppl who never made >$50,000?

I always get a kick out of the Boglehead idea of what 'middle class' is :mrgreen: Back to the OP's question, I remember reading about a Boglehead janitor who introduced himself to Jack Bogle at some event- I want to say he was worth a million bucks (or a lot on a modest salary, anyway). Somebody els...
by Index Fan
Tue Sep 16, 2014 1:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any success stories of ppl who never made >$50,000?
Replies: 149
Views: 10510

Re: Vanguard Total Stock Market Index Fund (VTSMX)

TSM is probably the best mutual fund ever created. Stock market performance without all of that managed underperformance and high fees. Two big thumbs up for 'Bogle's Folly'!
by Index Fan
Mon Sep 15, 2014 8:08 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Total Stock Market Index Fund (VTSMX)
Replies: 10
Views: 2353

Re: Future direction of U.S. stock market

I think it's easy to get trapped into the view that the market has mid- or long-term trends. It is just as possible that what we see is a chain of specific historical events effecting our market which gives it the appearance of having trends. Think of countries whose markets went to zero- they have ...
by Index Fan
Thu Sep 11, 2014 8:57 am
 
Forum: Investing - Theory, News & General
Topic: Future direction of U.S. stock market
Replies: 23
Views: 2371

Re: Bank Closing My Account With No Reason Given

It looks like there are more reasons than ever for this to happen these days (no idea if this relates to your specific problem)-

http://en.wikipedia.org/wiki/Operation_Choke_Point
by Index Fan
Tue Sep 09, 2014 2:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bank Closing My Account With No Reason Given
Replies: 38
Views: 4194

Re: Why is REIT only sector fund recommended in slice & dice

Indeed, REITs are not a good value today, as Dr. Bernstein has recently noted. Unfortunately a lot of folks seem attached to his 1999 views on them. I'm confused. Is a 21% YTD return (11% return for the last 13 years) on a fund I've bought and held according to my long-term investment plan a good o...
by Index Fan
Thu Sep 04, 2014 8:08 pm
 
Forum: Investing - Theory, News & General
Topic: Why is REIT only sector fund recommended in slice & dice?
Replies: 113
Views: 8278

Re: 100% Stock Thread Collection

100% in ANY asset class is not a good idea IMHO. Diversification 101.
by Index Fan
Wed Sep 03, 2014 3:44 pm
 
Forum: Investing - Theory, News & General
Topic: 100% Stock Thread Collection
Replies: 93
Views: 5908

Re: Dave Ramsey still defending 12% and still angry at "nerd

Dave needs to let the 12% thing go, really. Getting the facts straight, aka "the truth" simply does not matter to this type of person (one could cite other radio personalities of a similar ilk who focus on politics). It's all about the rhetoric. And he gets away with it , because in the co...
by Index Fan
Thu Jul 31, 2014 3:44 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey still defending 12% and still angry at "nerds"
Replies: 194
Views: 24364

Re: A third of Americans delinquent on debt, study says

[OT comments removed by admin LadyGeek]
by Index Fan
Tue Jul 29, 2014 2:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: A third of Americans delinquent on debt, study says
Replies: 23
Views: 2395

Re: Vanguard sued for charging too little

If he wants to go after a Non-Profit that brings in a ton of money, he should look at the NFL - a non-profit that brings in revenue of $9.5 Billion per year.


Ah, but how much money has Vanguard given to politicians to get their tax exemption written into law? (sad, I know)
by Index Fan
Sun Jul 27, 2014 8:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard sued for charging too little
Replies: 209
Views: 33295

Re: Afraid of Bonds

Are you afraid of stocks after they've had a multi-year runup without a significant correction? It seems bonds get worried about much more for some reason.
by Index Fan
Sat Jul 26, 2014 6:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Afraid of Bonds
Replies: 28
Views: 2482
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