Search found 2171 matches

by Index Fan
Sat Aug 29, 2015 7:51 pm
Forum: Investing - Theory, News & General
Topic: REITs: The one Tilt that Makes Sense?
Replies: 47
Views: 3167

Re: REITs: The one Tilt that Makes Sense?

10% of my portfolio is in the REIT Index. It's been a good diversifier over the years, though it can be volatile.
by Index Fan
Fri Aug 28, 2015 4:09 pm
Forum: Investing - Theory, News & General
Topic: Why doesn't the 3 fund portfolio have TIPS?
Replies: 38
Views: 2729

Re: Why doesn't the 3 fund portfolio have TIPS?

The 4 and 5-fund portfolio does :)
by Index Fan
Thu Aug 27, 2015 7:17 pm
Forum: Investing - Theory, News & General
Topic: NPR story, Stock market is wealth indicator of top 1% - HUH??
Replies: 8
Views: 1443

Re: NPR story, Stock market is wealth indicator of top 1% - HUH??

So all that talk about 'the investor class' when numbers reached 1/2 of American households owning stocks and mutual funds has taken a backseat to a reframing for other purposes?
by Index Fan
Thu Aug 27, 2015 9:50 am
Forum: Investing - Help with Personal Investments
Topic: Was about to change from 100% equity to 80%. Now what?
Replies: 71
Views: 7352

Re: Was about to change from 100% equity to 80%. Now what?

You're in this for the long run, right?

In 10 years you'll forget all about it.
by Index Fan
Mon Aug 24, 2015 8:36 pm
Forum: Investing - Theory, News & General
Topic: The Bogleheads' Silent Majority
Replies: 194
Views: 21268

Re: The Bogleheads' Silent Majority

Reverend Shipmate, pouring oil upon troubled waters :)

Stay the course!
by Index Fan
Mon Aug 24, 2015 8:34 pm
Forum: Investing - Theory, News & General
Topic: Megan McArdle, Boglehead
Replies: 6
Views: 1123

Re: Megan McArdle, Boglehead

I like Megan McArdle. She's not an investment writer, but she has good basic advice when she writes about the subject.
by Index Fan
Mon Aug 24, 2015 8:26 pm
Forum: Investing - Theory, News & General
Topic: Can anyone help me understand China
Replies: 31
Views: 3835

Re: Can anyone help me understand China

Combine emerging market (political) risk with one of the world's biggest economies, and things are really dicey. I never thought it was a good idea to buy a Chinese fund or stocks. I'll stick with their weighting in Total International Index (currently 4.6%).
by Index Fan
Mon Aug 24, 2015 11:51 am
Forum: Investing - Theory, News & General
Topic: Bogle: retirees should focus on dividends
Replies: 157
Views: 15598

Re: Bogle: retirees should focus on dividends

LOL!!! LOL!!! LOL!!! I have posted on dividends so many times and almost got hooted out of the forum for saying many of the same things that Mr. Bogle has said. The equivalent of picking a fight in a bar and starting a brawl on this forum is to post that you like dividends. I have seen the fists fl...
by Index Fan
Thu Aug 20, 2015 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: Cybertheft worries - Vanguard response
Replies: 9
Views: 1274

Re: Cybertheft worries - Vanguard response

Considering there's a 7-10 day calendar hold on the use of any new bank accounts added online, it'd have to be a patient hacker. In addition, I think they mail you a paper confirmation if you add a new bank, so you'd get a notification in the mail before the hacker could use the account. That's the...
by Index Fan
Wed Aug 19, 2015 5:54 pm
Forum: Investing - Theory, News & General
Topic: Bogle: retirees should focus on dividends
Replies: 157
Views: 15598

Re: Bogle: retirees should focus on dividends

I could swear others who advocated a dividend focus on this board have been shot down for years. Funny.
by Index Fan
Wed Aug 19, 2015 8:12 am
Forum: Investing - Theory, News & General
Topic: How many here follow Bogle's "no international" theory?
Replies: 82
Views: 5312

Re: How many here follow Bogle's "no international" theory?

1/3 of equities in international. Too bad polls are gone, lol.

'Diversification is great, until you start looking at other countries' just doesn't click with me.
by Index Fan
Wed Aug 19, 2015 8:09 am
Forum: Personal Finance (Not Investing)
Topic: Bank closed all my accounts without explanation
Replies: 66
Views: 6048

Re: Bank closed all my accounts without explaination

Starting to sound like you're guilty until proven innocent, and maybe not even then. That's the way the world is heading these days.

Except when banks are actually caught money laundering, then it's a fine and business as usual.
by Index Fan
Tue Aug 18, 2015 5:59 pm
Forum: Investing - Theory, News & General
Topic: Are we headed into a difficult period? [Telegraph "Doomsday" article]
Replies: 25
Views: 3089

Re: Are we headed into a difficult period? [Telegraph "Doomsday" article]

From Saint Jack himself: Legends Of Indexing: John Bogle http://www.etf.com/publications/journalofindexes/joi-articles/24198-legends-of-indexing-john-bogle.html What I’m worried about more than anything else though, to be quite honest with you, is the world production economy and its growth, the wor...
by Index Fan
Mon Aug 17, 2015 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Cash in the house
Replies: 80
Views: 6621

Re: Cash in the house

Keeping a few hundred in cash at home is a prudent thing to do in case of a natural disaster or an ATM cash shortage. If the power is out, some merchants will still take cash. Think of it as diversifying for a black swan event.
by Index Fan
Mon Aug 17, 2015 12:13 am
Forum: Investing - Theory, News & General
Topic: Are we headed into a difficult period? [Telegraph "Doomsday" article]
Replies: 25
Views: 3089

Re: Are we headed into a difficult period? [Telegraph "Doomsday" article]

Who was it that called a market high in 1929 and blindly got it right? Sometimes bad things happen and their effects last for years. There's just no way to predict when they will happen. The question should not be 'are we headed into a difficult period?', the question should be 'if we have a market-...
by Index Fan
Sun Aug 16, 2015 9:07 am
Forum: Investing - Theory, News & General
Topic: Balanced Portfolio Vulnerable to Inflation?
Replies: 46
Views: 3540

Re: Balanced Portfolio Vulnerable to Inflation?

I think some of the air went out of the Vanguard TIPS Fund sails when it returned -8.9% in 2013. That same year Total Bond Market went down -2.1%. This was a shock for many bond holders. Prior to 2013, this board was on balance pro-TIPS. Since 2013, it seems there's less talk about them. There is mo...
by Index Fan
Sat Aug 15, 2015 11:12 am
Forum: Investing - Theory, News & General
Topic: the 12 commandments of gold bugs
Replies: 62
Views: 4388

Re: the 12 commandments of gold bugs

A small amount of gold can be seen as 'portfolio insurance'. Never put all your eggs in one basket.
by Index Fan
Fri Aug 14, 2015 1:34 pm
Forum: Investing - Theory, News & General
Topic: Money Mag:Why Vanguard Founder Jack Bogle Doesn’t Like Investing in Foreign Markets
Replies: 64
Views: 6753

Re: Money Mag:Why Vanguard Founder Jack Bogle Doesn’t Like Investing in Foreign Markets

The US system perplexes us-- how can a state with 500,000 people have 2 senators, same as California, and yet the Senate is so influential? Also how can different States have such totally different laws? In colonial days, citizens would say they were a Virginian or a Massachusetts man or woman, sta...
by Index Fan
Thu Aug 13, 2015 2:19 pm
Forum: Investing - Theory, News & General
Topic: Money Mag:Why Vanguard Founder Jack Bogle Doesn’t Like Investing in Foreign Markets
Replies: 64
Views: 6753

Re: Money Mag:Why Vanguard Founder Jack Bogle Doesn’t Like Investing in Foreign Markets

Wow! A whiff of jingoism in the air?...I'll agree with the Anglosphere's beneficial legal and property rights structures, the focus on innovation and tech as being positives, but...I remember the French 'weren't productive enough' (untrue), now it's their work week? Hmmm. I'm sure we have plenty of ...
by Index Fan
Thu Aug 13, 2015 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Gasoline price [rise in Midwest]
Replies: 18
Views: 1625

Re: Gasoline price [rise in Midwest]

Refinery issue to blame for jump in gas prices http://www.cincinnati.com/story/news/2015/08/13/bp-refinery--blame--steep-cincy-gas-prices--could-last--month/31622823/ Trouble at a British Petroleum refinery in northern Indiana is to be blame for Cincinnati's sudden and steep increase in gas prices ...
by Index Fan
Tue Aug 11, 2015 9:47 pm
Forum: Investing - Theory, News & General
Topic: What is going on out there?
Replies: 43
Views: 6412

Re: What is going on out there?

angelescrest wrote:
Index Fan wrote:As my Dad used to say, 'in 10 years you'll forget all about it'.

That's a good one! I'd say that in 10 months you'll forget about it!


Its good Boglehead advice, actually. Dad wasn't a Boglehead though ;)
by Index Fan
Tue Aug 11, 2015 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Your First Job
Replies: 113
Views: 6578

Re: Your First Job

Mowing lawns in my early teens (do kids still do that or is it just lawn services now)...paperboy at age 16.
by Index Fan
Mon Aug 10, 2015 11:28 pm
Forum: Investing - Theory, News & General
Topic: What is going on out there?
Replies: 43
Views: 6412

Re: What is going on out there?

As my Dad used to say, 'in 10 years you'll forget all about it'.
by Index Fan
Mon Aug 10, 2015 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Buy a house that is registered under a sex offender[?]
Replies: 36
Views: 4184

Re: Buying a house that is registered under a sex offender

barnaclebob wrote:
tomtoms wrote:
You can't erase the Internet.



This is an irrational fear based in ignorance.


Not at all.
by Index Fan
Sat Aug 08, 2015 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: [lifehacker article] How to buy Happiness
Replies: 8
Views: 2466

Re: [lifehacker article] How to buy Happiness

chicago_meatball wrote:Money can't buy happiness. But I have never seen someone frown on a jet ski.


A correlation to this- I've never seen anyone smile at a bus stop.
by Index Fan
Fri Aug 07, 2015 2:24 pm
Forum: Local Chapters and Bogleheads Community
Topic: Congrats to Laura Dogu
Replies: 61
Views: 5829

Re: Congrats to Laura Dogu

Congratulations, Ambassador!
by Index Fan
Fri Aug 07, 2015 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Parent caught up in forex (vietnamese dong) scam... What should I do?
Replies: 50
Views: 7662

Re: Parent caught up in forex (vietnamese dong) scam... What should I do?

Amazing that people of sound mind (I'm perhaps assuming a lot here) fall for these things. Some advice for friends and relatives- "If it sounds too good to be true, it probably is." "If someone knows how to become an instant multi-millionaire, why would they share that info with total...
by Index Fan
Thu Aug 06, 2015 11:58 am
Forum: Investing - Theory, News & General
Topic: Energy Sector: Oil and gas
Replies: 50
Views: 3532

Re: Energy Sector: Oil and gas

You cannot forecast where oil prices are going. Look back some years on this board to see all of the 'peak oil' discussions when prices were high.
by Index Fan
Thu Aug 06, 2015 11:23 am
Forum: Investing - Theory, News & General
Topic: Vanguard Managed Payout to add new fund
Replies: 43
Views: 5701

Re: Vanguard Managed Payout to add new fund

Vanguard, keep it boring and sensible please.
by Index Fan
Wed Aug 05, 2015 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Have you ever encountered hostility because people think you're "rich"?
Replies: 71
Views: 5538

Re: Have you ever encountered hostility because people think you're "rich"?

JW Nearly Retired wrote:If you have anything remotely like comfortable retirement savings tell no one. Especially gossipy friends and family.



Truer words were never spoken.
by Index Fan
Wed Aug 05, 2015 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Have you ever encountered hostility because people think you're "rich"?
Replies: 71
Views: 5538

Re: Have you ever encountered hostility because people think you're "rich"?

Once a member of your peer group finds out that you are okay financially, it's not long before everyone else knows too. The conversation goes something like this, "hey, I heard old Abe has more money than he knows to do with". For some reason early on, I was inclined to save and invest. O...
by Index Fan
Tue Aug 04, 2015 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: Total Bond Market vs. Interm-Term Treasury
Replies: 34
Views: 2345

Re: Total Bond Market vs. Interm-Term Treasury

Mark me down as advocating a 50/50 split between the 2 funds since you've spent such a long time trying to decide. You'll participate in the 'better' choice regardless.
by Index Fan
Tue Aug 04, 2015 8:53 am
Forum: Investing - Theory, News & General
Topic: Malkiel on Chinese Stock Markets
Replies: 18
Views: 2333

Re: Malkiel on Chinese Stock Markets

I too am disappointed that the author of A Random Walk Down Wall Street seems to have turned into a tout for a market that obviously has a large amount of political risk.
by Index Fan
Mon Aug 03, 2015 11:04 am
Forum: Investing - Theory, News & General
Topic: Asset Class Returns and Climate Change, 2015-2050
Replies: 30
Views: 1557

Re: Asset Class Returns and Climate Change, 2015-2050

Simplegift wrote:Since this is an investing Forum, I doubt it's an appropriate place or thread in which to debate the science issues.


I agree with you 100%, and this would apply to the OP here as well. 'What's good for the goose is good for the gander'.
by Index Fan
Mon Aug 03, 2015 9:50 am
Forum: Investing - Theory, News & General
Topic: Asset Class Returns and Climate Change, 2015-2050
Replies: 30
Views: 1557

Re: Asset Class Returns and Climate Change, 2015-2050

There should be an option option for falling temperatures- 'Mini ice age' coming in next fifteen years, new model of the sun's cycle shows http://www.independent.co.uk/environment/climate-change/mini-ice-age-coming-in-next-fifteen-years-new-model-of-the-suns-cycle-shows-10382400.html There have been...
by Index Fan
Sun Aug 02, 2015 9:53 pm
Forum: Investing - Theory, News & General
Topic: [How often do you check on your investments?]
Replies: 43
Views: 2157

Re: [How often do you check on your investments?]

Once a week I check all my financial accounts to make sure everything is as it should be. I look at my investments then.
by Index Fan
Sun Aug 02, 2015 8:58 pm
Forum: Investing - Theory, News & General
Topic: Why the obsession with Gold?
Replies: 18
Views: 1628

Re: Why the obsession with Gold?

I always wanted some gold, silver, copper and platinum coins from the time I first started playing AD&D in middle school. Okay, I'll bite: why not electrum? I'm still waiting for mithril myself :D https://sleeplessthought.files.wordpress.com/2013/12/tn-500_smaug19.jpg
by Index Fan
Sun Aug 02, 2015 9:07 am
Forum: Investing - Theory, News & General
Topic: Why the obsession with Gold?
Replies: 18
Views: 1628

Re: Why the obsession with Gold?

I'm not a gold bug, I own perhaps 1% of my portfolio in GLD and have a small amount of gold & silver coins, but people are attracted to gold for the following reasons IMHO- 1) Fiat money losing large amounts of value over time due to inflation (check out inflation calculators for some fun) 2) Fi...
by Index Fan
Sat Aug 01, 2015 9:46 pm
Forum: Investing - Help with Personal Investments
Topic: ? Portfolio for older couple
Replies: 22
Views: 4441

Re: ? Portfolio for older couple

If this were my portfolio, I'd make sure I had government bonds, which are the best flight-to-safety instruments and less correlated with equities. I'd replace VFIDX and probably VWEAX with Total Bond Market Index.
by Index Fan
Sat Aug 01, 2015 1:32 pm
Forum: Investing - Theory, News & General
Topic: The Long-Term Decline of Interest Rates
Replies: 63
Views: 6643

Re: The Long-Term Decline of Interest Rates

If I remember right, William J. Bernstein in The Birth of Plenty: How the Prosperity of the Modern World was Created had a chapter discussing this. Developed mature economies have a long-term trend towards lower interest rates. This is to be expected from historical observations.
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: 54
Views: 6495

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: 3639

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: 81
Views: 8597

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: 13745

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: 22245

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: 9491

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: 2045

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: 22245

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.

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