Search found 2129 matches

by Index Fan
Tue Jul 28, 2015 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Where do you keep/park your emergency fund?
Replies: 53
Views: 5449

Re: Where do you keep/park your emergency fund?

Half is in an online savings account, half in the Short Term Bond Index (I actually have checks to write on the latter).
by Index Fan
Mon Jul 20, 2015 3:55 pm
Forum: Investing - Theory, News & General
Topic: When did you start investing in the Market?
Replies: 60
Views: 3315

Re: When did you start investing in the Market?

At age 30, my insurance agent talked me into investing a monthly amount into a variable annuity within an IRA. I educated myself on investing...5 years later I rolled this over into Vanguard LifeStrategy Growth. I thought of telling her how terrible her investment advice was, but she got me started ...
by Index Fan
Thu Jul 09, 2015 9:20 am
Forum: Personal Consumer Issues
Topic: Vanguard's Security image going away?
Replies: 71
Views: 6981

Re: Vanguard's Security image going away?

Dandy wrote:How does not having it increase security? At least when I see it I have some assurance that I'm on the true VG site. People ignore security best practices all the time - why penalize a person who actually looks at the security image. I'm hoping there is more to it than that.


Excellent point.
by Index Fan
Sat Jul 04, 2015 10:39 am
Forum: Personal Finance (Not Investing)
Topic: 2 million dollar mistake meeting with MIL's financial guy
Replies: 47
Views: 13622

Re: 2 million dollar mistake meeting with MIL's financial gu

stemikger wrote:I may not know much, but I know not to take investing advice from an insurance agent.


Throw in 'or bankers' and then chisel that statement in stone!
by Index Fan
Sat Jul 04, 2015 12:10 am
Forum: Investing - Theory, News & General
Topic: Emergdoc on Mr. Money Mustache
Replies: 186
Views: 21667

Re: Emergdoc on Mr. Money Mustache

I really don't care much about MMM one way or the other. It's just funny that, outside of Mr. Bogle himself (and that's a whole other subject we could talk about :D ), MMM seems to have a real fan club here with an emotional component for such a numbers-and-logic-oriented website (Bogleheads). There...
by Index Fan
Fri Jul 03, 2015 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: What age did you become debt free and what opportunities did it create?
Replies: 95
Views: 9182

Re: What age did you become debt free and what opportunities did it create?

At age 30 I realized that having over 16k on credit cards was not a good thing, A few lears later, after getting a 2nd job, I had paid off every penny of that debt.

Paying it off felt incredibly good. I then started investing.
by Index Fan
Fri Jul 03, 2015 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Getting Married and Living in Separate States
Replies: 10
Views: 2031

Re: Getting Married and Living in Separate States

He is planning to move (back) to Oregon in a year. Taxwise, I am wondering if we should wait until we are both in Oregon again to get married. Without being able to give you tax advice, if it were me I'd wait until both partners were in Oregon to marry. To me, that would be the non-complicated thin...
by Index Fan
Fri Jul 03, 2015 1:21 pm
Forum: Investing - Theory, News & General
Topic: Emergdoc on Mr. Money Mustache
Replies: 186
Views: 21667

Re: Emergdoc on Mr. Money Mustache

Read the rest of my post for clarification- millions of people live modest self-employed lives but don't have cult followings. There ya go!

Maybe it never occurred to many of his readers that that's not as revolutionary as they seem to think.
by Index Fan
Fri Jul 03, 2015 1:11 pm
Forum: Investing - Theory, News & General
Topic: Emergdoc on Mr. Money Mustache
Replies: 186
Views: 21667

Re: Emergdoc on Mr. Money Mustache

We used to call someone like Mr. MM, "self employed". He has an income of around 40K where a chunk of it is earned "off the books". He rides his bike and does lots of handyman things. He saved up and bought a rental unit. This is not unique, nor even particularly unusual. He's f...
by Index Fan
Fri Jul 03, 2015 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: How often should I check my accounts online?
Replies: 20
Views: 2325

Re: How often should I check my accounts online?

I check my accounts once a week.
by Index Fan
Wed Jul 01, 2015 8:31 pm
Forum: Investing - Help with Personal Investments
Topic: Intermediate Term Bond Funds Index vs. Investment-Grade
Replies: 13
Views: 1662

Re: Intermediate Term Bond Funds Index vs. Investment-Grade

I'd go with the index myself. Yield isn't everything- the index, having government bonds, would probably do better in a market downturn. Investment grade would probably be more correlated with equities.
by Index Fan
Mon Jun 29, 2015 1:35 am
Forum: Investing - Theory, News & General
Topic: Puerto Rico Governor Says Island’s Debts Are ‘Not Payable’
Replies: 37
Views: 3473

Re: Puerto Rico Governor Says Island’s Debts Are ‘Not Payable’

This is actionalbe? ;)


Just remember, when systems fail, it can happen very abruptly.
by Index Fan
Sat Jun 27, 2015 7:59 pm
Forum: Investing - Theory, News & General
Topic: Will Demographics Be Destiny for Stocks and Bonds?
Replies: 23
Views: 3163

Re: Will Demographics Be Destiny for Stocks and Bonds?

bhsince87 wrote:Millennials in the US now outnumber baby boomers. And this is the age where folks tend to have their greatest economic impact.


True, but a decent amount of Millennials are living with their parents, working menial jobs with a huge amount of college debt.
by Index Fan
Sat Jun 27, 2015 11:03 am
Forum: Investing - Theory, News & General
Topic: While you've been waiting for interest rates to go UP ...
Replies: 12
Views: 2446

Re: While you've been waiting for interest rates to go UP ...

Did we miss the Great Bond Massacre? It's so hard to tell these days.
by Index Fan
Sat Jun 27, 2015 11:02 am
Forum: Investing - Theory, News & General
Topic: "Target Date Funds Are Riskier Than You Think"
Replies: 45
Views: 7024

Re: Target Date Funds ?

Taylor Larimore wrote:After reading the article and links, my "thoughts" is that Mr. Ritter needed something to write about.


Amen, Taylor!
by Index Fan
Mon Jun 22, 2015 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: Investing 11 Million Dollar Gift
Replies: 80
Views: 12493

Re: Investing 11 Million Dollar Gift

I'd strongly recommend a fee-for-service financial planner, someone with lots of good referrals. I see no reason to pay a percentage of your money forever to someone, get yourself set up and have a yearly fee-only checkup afterwards with an expert. It is very important that not only you not tell any...
by Index Fan
Mon Jun 22, 2015 9:23 am
Forum: Investing - Theory, News & General
Topic: When saving money becomes an irrational obsession
Replies: 146
Views: 24508

Re: When saving money becomes an irrational obsession

I would say if the person is not unhappy, who cares? I have an acquaintance who is obsessed with creating new day lily hybrids. It's his hobby. He likes it. He can't take them with him when he dies. Whether it is rational or irrational is irrelevant. Excellent point. For every miser in the US, ther...
by Index Fan
Sun Jun 21, 2015 7:55 am
Forum: Investing - Theory, News & General
Topic: The Other Side (proposed series)
Replies: 35
Views: 4626

Re: The Other Side (proposed series)

Excellent thread!
by Index Fan
Sat Jun 20, 2015 4:48 pm
Forum: Investing - Theory, News & General
Topic: Why High Equity Allocation in Retirement
Replies: 82
Views: 10823

Re: Why High Equity Allocation in Retirement

I think 30% equities in retirement is a great rule of thumb- since 'age in bonds' would be 70% at age 70, this makes sense to me. Conservative folk may want 20%, aggressive or those with a great pension might want 40-50%, and so on. Also, if your money is going to grandkids, you can be more aggressi...
by Index Fan
Sat Jun 20, 2015 4:42 pm
Forum: Investing - Theory, News & General
Topic: Wsj article today on reit investing
Replies: 34
Views: 6092

Re: Wsj article today on reit investing

...In any case I have 10% of my portfolio in VG REIT index and no plans to change. Same here. It can be a wild ride- I remember the REIT Index Fund going up or down 5% a day on occasion- but as a long-term 10% holding it's been my highest returning fund in the last 15 years or so. And it isn't alwa...
by Index Fan
Fri Jun 19, 2015 4:57 pm
Forum: Personal Consumer Issues
Topic: Your Top 10 Bands and Top 10 Movies
Replies: 30
Views: 3765

Re: Your Top 10 Bands and Top 10 Movies

I'll do bands for now, it always takes me a ton of time to narrow down movies to a top 10 list and I edit it forever as I remember other films-

Genesis (pre-1980)
Yes
Jethro Tull
Big Big Train
Marillion
Pendragon
IQ
Pallas
Arena
Rush

Honorable mentions to Bach, Handel and Simon & Garfunkel
by Index Fan
Fri Jun 19, 2015 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: Financial and worldly advice to college kids
Replies: 27
Views: 3280

Re: Financial and worldly advice to college kids

Don't get your name online for a bad reason. The consequences for misconduct can be very long-lived and affect the rest of your life. As a matter of fact, the less your name is online, the better IMHO. Not a fan of Facebook here.
by Index Fan
Fri Jun 19, 2015 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: Crazy error on Vanguard's part
Replies: 16
Views: 3806

Re: Crazy error on Vanguard's part

I know that this will sound lame in your current predicament, but I know of no mistake-free financial organization out there.
by Index Fan
Sat Jun 13, 2015 1:57 pm
Forum: Investing - Theory, News & General
Topic: Aren't bogleheads predicting the long term?
Replies: 84
Views: 8870

Re: Aren't bogleheads predicting the long term?

You've articulated why I feel a bit peeved when I hear that past performance of a fund is no guarantee of future performance, yet the same people use past total market performance as a gauge for the future. Good post. People tend to see markets as an inevitable growth machine as opposed to constant...
by Index Fan
Sat Jun 13, 2015 1:52 pm
Forum: Investing - Theory, News & General
Topic: The world's cheapest stock markets 2015
Replies: 21
Views: 3637

Re: The world's cheapest stock markets 2015

Back before I was a Boglehead, I bought the T Rowe Price Japan Fund on the theory that it had underperformed for years and it was due to have a good year. :oops: Still waiting for a good year!

Glad I cut my losses and bought the Vanguard LifeStrategy Growth fund, all those many years ago.
by Index Fan
Sat Jun 13, 2015 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: Individual stocks that have outperformed the market
Replies: 41
Views: 4402

Re: Individual stocks that have outperformed the market

I'm having a harder time determining which posts are troll posts these days.
by Index Fan
Sun May 31, 2015 6:44 am
Forum: Investing - Help with Personal Investments
Topic: Investment allocations
Replies: 14
Views: 1581

Re: Investment allocations

Welcome to the forum! Your proposed asset allocation is fine IMHO. I'd be a bit heavier in bonds, but that is my risk tolerance, not yours. International allocation is a big topic around here, with most people falling in the 20%-50% int'l equities spread. Yours looks to be fine to me. Int'l bond all...
by Index Fan
Mon May 11, 2015 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: Anybody 50/50?
Replies: 78
Views: 6871

Re: Anybody 50/50?

50/50 AA here- the 'sleep well' factor is great.
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: 3647

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 9:59 am
Forum: Investing - Theory, News & General
Topic: International Stock Poll: Emerging vs Developed Ratio
Replies: 55
Views: 3231

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
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: 1933

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 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: should I add Gold Fund to my portfolio?
Replies: 21
Views: 1933

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
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: 91
Views: 9258

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 10:19 am
Forum: Investing - Theory, News & General
Topic: Age in Bonds Poll
Replies: 72
Views: 4556

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 10:14 am
Forum: Investing - Theory, News & General
Topic: Who follows Age in Bonds
Replies: 62
Views: 5591

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
Tue Apr 21, 2015 12:08 pm
Forum: Investing - Theory, News & General
Topic: Can't get excited about bond funds
Replies: 19
Views: 1752

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
Thu Apr 16, 2015 6:55 pm
Forum: Investing - Theory, News & General
Topic: Do REITs really offer effective portfolio diversification?
Replies: 108
Views: 9918

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
Mon Apr 06, 2015 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Family member asking for money
Replies: 141
Views: 15149

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
Wed Apr 01, 2015 10:26 pm
Forum: Forum Issues and Administration
Topic: A 'Like' Function for Posts on this Forum
Replies: 18
Views: 1692

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
Tue Mar 24, 2015 8:03 pm
Forum: Investing - Theory, News & General
Topic: Anyone concerned about their bond holdings?
Replies: 58
Views: 6958

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
Sat Mar 14, 2015 8:15 pm
Forum: Investing - Theory, News & General
Topic: Are Bogleheads by definition Hayek-ians?
Replies: 6
Views: 962

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
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: 3174

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
Tue Mar 10, 2015 10:21 pm
Forum: Investing - Theory, News & General
Topic: Should Vanguard Offer A Low Minimum Fund?
Replies: 31
Views: 2797

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 6:32 pm
Forum: Investing - Theory, News & General
Topic: If you could send an investment message 10 years in the past
Replies: 62
Views: 5172

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
Sun Mar 08, 2015 8:12 am
Forum: Investing - Help with Personal Investments
Topic: Bear Market strategies, if any
Replies: 61
Views: 6890

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
Sat Mar 07, 2015 9:10 am
Forum: Investing - Help with Personal Investments
Topic: safest bond fund to buy right now?
Replies: 8
Views: 993

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 9:04 am
Forum: Investing - Theory, News & General
Topic: What's with VG Complaints???
Replies: 42
Views: 3835

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
Fri Mar 06, 2015 6:28 pm
Forum: Personal Consumer Issues
Topic: Anyone fans of the CNBC show American Greed???
Replies: 32
Views: 2773

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
Thu Mar 05, 2015 6:52 pm
Forum: Investing - Theory, News & General
Topic: ammunition stocks or funds?
Replies: 11
Views: 1203

Re: ammunition stocks or funds?

Vista Outdoor (Federal, Speer), Remington Arms and Hornady Manufacturing come to mind...

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