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Re: Vanguard Balanced Index from Cradle to Grave

I think the Balanced Fund from cradle to grave is a good thing. I'd prefer LifeStrategy Moderate Growth for the greater diversification, but both would be a good 60/40 portfolio. Once upon a time a 60/40 portfolio was seen as a standard asset allocation for investors (Peter Bernstein was a champion ...
by Index Fan
Sun Apr 26, 2015 7:59 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Balanced Index from Cradle to Grave
Replies: 32
Views: 2978

Re: International Stock Poll: Emerging vs Developed Ratio

Whatever the market cap of the Total International Index is. I know it varies.

I suspect this would be a fairly popular poll option.
by Index Fan
Sun Apr 26, 2015 9:59 am
 
Forum: Investing - Theory, News & General
Topic: International Stock Poll: Emerging vs Developed Ratio
Replies: 55
Views: 2523

Re: should I add Gold Fund to my portfolio?

Yes, that too. Here's some other research for those not watching Mel Gibson flicks for hints- https://en.wikipedia.org/wiki/Argentine_economic_crisis_%281999%E2%80%932002%29 https://en.wikipedia.org/wiki/Hyperinflation Insurance is not a bad thing, except when involving things you don't want to cont...
by Index Fan
Sat Apr 25, 2015 4:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: should I add Gold Fund to my portfolio?
Replies: 21
Views: 1679

Re: should I add Gold Fund to my portfolio?

A small amount (say 5%) wouldn't hurt for insurance purposes, such as the collapse of the financial system. Almost happened in 2008, and historically it's happened to a number of countries. Black swans can happen.
by Index Fan
Sat Apr 25, 2015 1:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: should I add Gold Fund to my portfolio?
Replies: 21
Views: 1679

Re: "How much of your portfolio is in index funds, and why?"

I'm 85% indexed- the VG TIPS Fund, GLD and SVF (stable value fund) are the only exceptions.
by Index Fan
Thu Apr 23, 2015 1:11 pm
 
Forum: Investing - Theory, News & General
Topic: "How much of your portfolio is in index funds, and why?"
Replies: 80
Views: 6719

Age in Bonds Poll

There should be a poll about this!

For those who don't know, 'age in bonds' is the rule of thumb that the percentage of your asset allocation in bonds should be your age (age 50 - 50% in bonds etc).
by Index Fan
Thu Apr 23, 2015 10:19 am
 
Forum: Investing - Theory, News & General
Topic: Age in Bonds Poll
Replies: 72
Views: 3675

Re: Who follows Age in Bonds

I follow age in bonds as a great rule of thumb. I have close to my age in bonds right now. I sleep well.
by Index Fan
Thu Apr 23, 2015 10:14 am
 
Forum: Investing - Theory, News & General
Topic: Who follows Age in Bonds
Replies: 62
Views: 4389

Re: Can't get excited about bond funds

Here's Total Bond Index returns, they look good to me, even in a rising rate environment. Far ahead of the inflation rate. Beat cash handily. 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 5.89%
by Index Fan
Tue Apr 21, 2015 12:08 pm
 
Forum: Investing - Theory, News & General
Topic: Can't get excited about bond funds
Replies: 19
Views: 1538

Re: Do REITs really offer effective portfolio diversificatio

Do REITs really offer effective portfolio diversification?


Over the last 15 or so years, they have for me. They are also the best-returning asset class I own. Volatile, but worth it (for the last 15 years anyway).
by Index Fan
Thu Apr 16, 2015 6:55 pm
 
Forum: Investing - Theory, News & General
Topic: Do REITs really offer effective portfolio diversification?
Replies: 69
Views: 5906

Re: Family member asking for money

You've helped them twice already, and now they are coming back for a third time. They live in a house 3x more expensive than yours. If they had sold the house and moved into a more modest dwelling so they could have an improved financial situation, I'd be more likely to help, but it looks to me that...
by Index Fan
Mon Apr 06, 2015 2:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Family member asking for money
Replies: 141
Views: 13620

A 'Like' Function for Posts on this Forum

I imagine it's been asked for before, but it would be great to have a 'like' function for posts on this forum. This would render those '+1' etc. posts unnecessary. Perhaps there could be a way to display the most liked posts within a thread.
by Index Fan
Wed Apr 01, 2015 10:26 pm
 
Forum: Forum Issues and Administration
Topic: A 'Like' Function for Posts on this Forum
Replies: 18
Views: 1225

Re: Anyone concerned about their bond holdings?

Thanks for the explanations. After reading http://en.wikipedia.org/wiki/Yield_curve#Theory, it sounds like bond prices always factor in expected interest rate increases. So my plan to cash out of my muni funds before interest rates rise a couple of percentage points in the next two years probably i...
by Index Fan
Tue Mar 24, 2015 8:03 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone concerned about their bond holdings?
Replies: 58
Views: 5938

Re: Are Bogleheads by definition Hayek-ians?

I agree with this, and it sounds Bogleheadish to me- "The curious task of economics is to demonstrate to men how little they really know about what they imagine they can design." -Friedrich Hayek That pretty much sums up the history of economic theory. "I think the Austrian business-c...
by Index Fan
Sat Mar 14, 2015 8:15 pm
 
Forum: Investing - Theory, News & General
Topic: Are Bogleheads by definition Hayek-ians?
Replies: 6
Views: 875

Re: Finra raps UBS, Vanguard with fines totaling $850,000

Perhaps this is a sign of a perilous market high, like shoeshine boys discussing hot tips.
by Index Fan
Thu Mar 12, 2015 11:33 pm
 
Forum: Investing - Theory, News & General
Topic: Finra raps UBS, Vanguard with fines totaling $850,000
Replies: 23
Views: 2855

Re: Should Vanguard Offer A Low Minimum Fund?

But if $500 would be the new minimum, someone will post they only have $200...and so it goes. I guess you could have a $100 minimum fund, that should do it. For kids opening their first fund or what have you. Wouldn't be a bad idea. It's not a big deal to me either way. $1000 is OK. Save it up and h...
by Index Fan
Tue Mar 10, 2015 10:21 pm
 
Forum: Investing - Theory, News & General
Topic: Should Vanguard Offer A Low Minimum Fund?
Replies: 31
Views: 2496

Re: If you could send an investment message 10 years in the

This board is littered with locked threads dealing with investment news because they are 'non-actionable', but a thread like this is fine. *scratches his head*
by Index Fan
Tue Mar 10, 2015 6:32 pm
 
Forum: Investing - Theory, News & General
Topic: If you could send an investment message 10 years in the past
Replies: 62
Views: 4534

Re: Bear Market strategies, if any

Interesting how having a decent portfolio makes you less interested in seeing markets head south, isn't it? I'm right there with you! I invest in the basics- Total Stock Market Index, Total International Stock Index, Total Bond Index, TIPS, with a modest amount of REIT Index on the side for some spi...
by Index Fan
Sun Mar 08, 2015 8:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Bear Market strategies, if any
Replies: 43
Views: 3249

Re: safest bond fund to buy right now?

Not a fund, but I-bonds are the safest IMO. Can't lose money, and you gain the rate of inflation.
by Index Fan
Sat Mar 07, 2015 9:10 am
 
Forum: Investing - Help with Personal Investments
Topic: safest bond fund to buy right now?
Replies: 8
Views: 863

Re: What's with VG Complaints???

I've been with Vanguard over 15 years and have no complaints. Realize too that people are far more likely to complain about something they don't like while most satisfied people do not burn with desire to tell you of their acceptable experiences.
by Index Fan
Sat Mar 07, 2015 9:04 am
 
Forum: Investing - Theory, News & General
Topic: What's with VG Complaints???
Replies: 42
Views: 3360

Re: Anyone fans of the CNBC show American Greed???

How is this an 'on-topic' thread? The mods are way too strict around here, but they shut down investment news topics constantly.
by Index Fan
Fri Mar 06, 2015 6:28 pm
 
Forum: Personal Consumer Issues
Topic: Anyone fans of the CNBC show American Greed???
Replies: 32
Views: 2523

Re: ammunition stocks or funds?

Vista Outdoor (Federal, Speer), Remington Arms and Hornady Manufacturing come to mind...
by Index Fan
Thu Mar 05, 2015 6:52 pm
 
Forum: Investing - Theory, News & General
Topic: ammunition stocks or funds?
Replies: 11
Views: 1111

Re: Long term care insurance?

rfowler wrote:To add another 2cents...


Excellent post, rfowler. Plenty of food for thought.
by Index Fan
Thu Feb 26, 2015 5:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance?
Replies: 37
Views: 3637

Re: REITs [Why did Vanguard's REIT lose 2% today?]

I've owned the Vanguard REIT Index for 15 years. I've seen it go up/down by 5% daily on occasion. It's quite volatile, and often uncorrelated with the market. It's also my highest returning fund during that time. Future results may vary...
by Index Fan
Thu Feb 26, 2015 4:53 pm
 
Forum: Investing - Theory, News & General
Topic: REITs [Why did Vanguard's REIT lose 2% today?]
Replies: 33
Views: 3600

Re: How much did you have saved up for retirement at age 30?

Not much at all.

At age 30 I started investing a monthly amount into a variable annuity within an IRA on advice from my insurance agent. 5 years later I rolled that over into Vanguard LifeStrategy Growth, having become a Boglehead.
by Index Fan
Tue Feb 24, 2015 1:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much did you have saved up for retirement at age 30?
Replies: 173
Views: 13816

Re: Improving the Lifestrategy Funds

Add REITs and TIPS to them and they'd be a Total portfolio Fund for me :)
by Index Fan
Mon Feb 16, 2015 9:44 am
 
Forum: Investing - Theory, News & General
Topic: Improving the Lifestrategy Funds
Replies: 63
Views: 5463

Re: Vanguard - remove old funds associated with account

Same thing happened to me- it took months for the old zero-balance accounts to vanish.
by Index Fan
Sun Feb 15, 2015 3:09 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard - remove old funds associated with account
Replies: 10
Views: 1206

Re: Target date funds

Target Date funds are a great way to invest. Keeping it simple is a worthy goal.

Best of luck!
by Index Fan
Sun Feb 15, 2015 3:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Target date funds-- Retirement Tax RMD Planning
Replies: 11
Views: 1410

Re: John Bogle on International Investing

Noobvestor wrote:They say diversification is the only free lunch - that's a big part of being a Boglehead - you're saying being less diversified is a free lunch. I just don't get it.



This board really needs an 'up vote' function. +1, Noobvestor!
by Index Fan
Wed Feb 11, 2015 4:58 pm
 
Forum: Investing - Theory, News & General
Topic: John Bogle on International Investing
Replies: 184
Views: 16074

Re: Long term care insurance?

Just one thought. Think of the runarounds that are not uncommon when it comes to health insurance claims. Now imagine you are incapable of representing yourself and you get those same runarounds from your LTCI company. Hopefully someone will be there to represent you.
by Index Fan
Wed Feb 11, 2015 4:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance?
Replies: 37
Views: 3637

Re: Mr. Money Mustache: Hero or Foolish?

I still have a full-time job with a six-figure income


MMM you aren't.
by Index Fan
Tue Feb 10, 2015 1:49 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 452
Views: 73562

Re: Mr. Money Mustache: Hero or Foolish?

Boglehead MMM fans, please post here if you dropped your high-income job for making a small amount of money with lots of free time in the prime of your life. I'd like to hear from you. Bogleheads on average seem to make higher than normal salaries...this whole phenomena is intriguing to me.
by Index Fan
Tue Feb 10, 2015 1:15 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 452
Views: 73562

Re: Vanguard Ultra-Short-Term Bond Fund now available

Well, it's better than the money market fund ;)

I'll stick with Short Term Bond Index.
by Index Fan
Tue Feb 10, 2015 1:08 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Ultra-Short-Term Bond Fund now available
Replies: 41
Views: 5586

Re: Long Term bond performance during 1975-1981

Don't fall for the historical fallacy of returns. Returns are due to historical events which may never be repeated. Taking the average of past historical events for certain periods is a shaky way to see through a crystal ball.
by Index Fan
Mon Feb 09, 2015 6:06 pm
 
Forum: Investing - Theory, News & General
Topic: Long Term bond performance during 1975-1981
Replies: 11
Views: 1085

Re: Mr. Money Mustache: Hero or Foolish?

With the certain popularity of MMM, many people are now living his lifestyle, I would assume. I find it interesting that we don't seem to hear from them...
by Index Fan
Mon Feb 09, 2015 6:03 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 452
Views: 73562

Re: John Bogle on International Investing

Stemikger, I have a hypothetical question for you, with all due respect to Mr. Bogle. Lets say you have a doctor that you've been seeing all your life and you trust, and he/she tells you that you have a serious medical condition that is going to require an expensive and dangerous surgery. You belie...
by Index Fan
Sun Feb 08, 2015 9:23 pm
 
Forum: Investing - Theory, News & General
Topic: John Bogle on International Investing
Replies: 184
Views: 16074

Re: Should we all invest in hedge funds?

Larry Swedroe doesn't think so-

Swedroe: Hedge Funds Are Status Symbols (ETF.com)

http://www.etf.com/sections/index-investor-corner/swedroe-hedge-funds-are-status-symbols?nopaging=1
by Index Fan
Fri Feb 06, 2015 5:08 am
 
Forum: Investing - Theory, News & General
Topic: Should we all invest in hedge funds?
Replies: 20
Views: 1461

For fans of paper I-Bonds...

...don't forget you can still get your federal tax refund in paper I-Bonds. Every little bit helps! Here's Bogleheads' own Mel Lindauer discussing this subject: 'Back-Door' Method For Getting Paper I Bonds (Forbes) http://www.forbes.com/sites/thebogleheadsview/2013/11/04/back-door-method-for-getting...
by Index Fan
Fri Feb 06, 2015 1:52 am
 
Forum: Investing - Theory, News & General
Topic: For fans of paper I-Bonds...
Replies: 0
Views: 407

Re: FI: Total Bond Market or Intermediate Fund?

I use TBM with a decent amount of TIPS (10-20%).
by Index Fan
Wed Feb 04, 2015 4:49 am
 
Forum: Investing - Theory, News & General
Topic: FI: Total Bond Market or Intermediate Fund?
Replies: 19
Views: 2660

Re: Jack Bogle: We Need to Fix the Bond Index

I'm not a big fan of increasing the amount of corporate bonds in TBM. Put me in Larry Swedroe's camp- government bonds are a greater diversifier and flight to quality target, whereas corporates are more correlated to stock performance. For portfolios with a good amount of equities, adding corporates...
by Index Fan
Mon Feb 02, 2015 2:32 am
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle: We Need to Fix the Bond Index
Replies: 89
Views: 10063

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: 63
Views: 3508

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: 1743

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: 68
Views: 5407

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: 50
Views: 6699

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: 1905

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: 113
Views: 14630

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: 68
Views: 4008

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: 1096

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: 735
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