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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: 31
Views: 2753

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: 12467

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: 3866

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: 3772

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: 10460

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: 5025

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: 29
Views: 7381

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: 6762

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: 1828

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: 9011

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: 10654

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: 6077

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: 9350

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: 1777

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: 10323

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: 2291

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: 2346

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: 4088

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: 8151

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: 5773

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: 23557

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: 2373

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: 197
Views: 26858

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: 2462

Re: Susie Orman says buy individual Munis instead of Bond fu

I'd recommend dropping Ms. Orman and checking out what Larry Swedroe, Rick Ferri, Jason Zweig, and Bill Bernstein are saying.
by Index Fan
Wed Jul 23, 2014 9:36 pm
 
Forum: Investing - Theory, News & General
Topic: Susie Orman says buy individual Munis instead of Bond funds
Replies: 15
Views: 2960

Re: Poll: Has your AA changed in the last 18 months

No, still at 50/50 as planned.
by Index Fan
Tue Jul 22, 2014 8:02 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Has your AA changed in the last 18 months
Replies: 58
Views: 3808

Re: Hw many credit cards to own?

I prefer to have 2 credit cards. One is a rewards card for regular purchases, the other is a backup in case something goes wrong with the first one.
by Index Fan
Mon Jul 21, 2014 8:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hw many credit cards to own?
Replies: 123
Views: 76340

Re: A Romney Problem

I hear you can start your own foundation and do pretty well that way.
by Index Fan
Fri Jul 18, 2014 7:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: A Romney Problem
Replies: 16
Views: 2058

Re: POLL: Do you have a dedicated REIT allocation?

I have essentially a 5-fund portfolio: Total Stock Market Index Total International Stock Market Index Total Bond Market Index TIPS REIT Index For around 15 years now I've had approximately 10% of my portfolio in the Vanguard REIT Index, and I've been happy with the diversification it has provided m...
by Index Fan
Fri Jul 18, 2014 11:51 am
 
Forum: Investing - Theory, News & General
Topic: POLL: Do you have a dedicated REIT allocation?
Replies: 123
Views: 8256

Re: bogleheads thoughts on renter's insurance?

Increasingly, renter's insurance is a requirement, but even if it isn't where you live, get it- it's cheap, and even if you can self-insure your items there's always liability coverage that's good to have. True story- in my apartment complex, someone was storing flammable items in their hot water ta...
by Index Fan
Sun Jul 13, 2014 6:58 am
 
Forum: Personal Finance (Not Investing)
Topic: bogleheads thoughts on renter's insurance?
Replies: 40
Views: 4828

Re: What to invest in with Vanguard?

Target Retirement or LifeStrategy funds are great one-stop shopping at Vanguard- highly recommended.
by Index Fan
Wed Jul 09, 2014 7:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to invest in with Vanguard?
Replies: 19
Views: 2769

Re: Why not include gold?

Phineas J. Whoopee wrote:
pjstack wrote:But WHY do all governments think it is important to have gold reserves?

I dunno. Tradition?



Thanks for the good belly laugh!
by Index Fan
Wed Jul 09, 2014 2:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why not include gold?
Replies: 48
Views: 3964

Re: Why not include gold?

This isn't Argentina. I can see holding gold if you lived in a 3rd world country, but I do not. Argentina isn't a 3rd-world country- or wasn't until some horrible economic policies were enacted. And 'it hasn't happened here yet' is not a sound argument to my way of thinking. They probably said that...
by Index Fan
Wed Jul 09, 2014 10:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Why not include gold?
Replies: 48
Views: 3964

Re: Why not include gold?

Keeping a small portion of one's portfolio in precious metals is a defensible and reasonable choice IMHO. Think of it as financial meltdown insurance. This would have come in very handy in the 1998–2002 Argentine great depression and in several 20th century instances of economies collapsing. I'd lim...
by Index Fan
Wed Jul 09, 2014 8:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Why not include gold?
Replies: 48
Views: 3964

Re: At 25 years old and with 10k to invest, should I buy bon

When I started out investing in mutual funds in my 30s, I just threw everything into Vanguard LifeStrategy Growth (80/20 stocks/bonds) until I had a good amount in my IRA and then I tweaked my holdings (REIT Index etc.), but honestly, I think that something like a Vanguard Target Retirement or LifeS...
by Index Fan
Sun Jul 06, 2014 9:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: At 25 years old and with 10k to invest, should I buy bonds?
Replies: 11
Views: 971

Re: Worried about my parents' financial health

I've found it very hard to give financial advice to family members. You run the risk of becoming a busybody from their point of view. If they ask for your help or input, that is the best situation, because they are open to suggestions. Otherwise, it's a familial minefield, because until they lose mo...
by Index Fan
Fri Jul 04, 2014 11:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Worried about my parents' financial health
Replies: 10
Views: 1118

Re: Stock / Bonds Allocation

My bond % equals my age (+ or - 5%). I'm on the conservative side risk-wise, and have a pension (I'm an early retiree). I really don't need to take on more risk.
by Index Fan
Wed Jun 25, 2014 8:21 pm
 
Forum: Investing - Theory, News & General
Topic: Stock / Bonds Allocation
Replies: 48
Views: 2595

Re: Long-Term Care Insurance? Is it a good idea?

I once had LTCi but dropped it. My reasons: 1) LTCi companies are starting to drop this coverage, since this seems to be an insurance that isn't paying off well for them. The thought of paying for decades only to have it dropped when I probably needed it most was galling. 2) Doing some research, I f...
by Index Fan
Wed Jun 25, 2014 3:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Long-Term Care Insurance? Is it a good idea?
Replies: 24
Views: 1934

Re: Anyone switch to non-branch banking?

These are the days we live in, unfortunately. My old HSBC online savings account was paying 6.0% back in 2005 or so. Anything in the 0.75% to 1.25% range is about as good as you'll find right now Man, that brought back pleasant memories of 5-6% money market savings accounts. Last I checked HSBC was...
by Index Fan
Tue Jun 24, 2014 11:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone switch to non-branch banking?
Replies: 54
Views: 4617

Re: Target date vs. Lifestrategy fund

Target Retirement Income is 30/70 stocks/bonds, LifeStrategy Income is 20/80 stocks/bonds.
by Index Fan
Tue Jun 24, 2014 10:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Target date vs. Lifestrategy fund
Replies: 12
Views: 2327

Re: Cryptocurrency potpourri

I go back and forth on this issue, but I don't feel it passes the 'understand what you invest in' test for me personally.
by Index Fan
Sun Jun 22, 2014 3:53 pm
 
Forum: Investing - Theory, News & General
Topic: Cryptocurrency potpourri
Replies: 2
Views: 324

Re: Poll: Dave Ramsey - Harmful or helpful?

Helpful on personal finance issues, harmful on investing issues. I couldn't vote given the simple binary helpful or harmful.
by Index Fan
Sun Jun 22, 2014 3:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Dave Ramsey - Harmful or helpful?
Replies: 65
Views: 5381

Re: 10% tilt?

I think that 10% is a good rule of thumb for an effective minimum holding.
by Index Fan
Sun Jun 22, 2014 3:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: 10% tilt?
Replies: 10
Views: 995

Re: Gold and Silver as an Insurance Policy?

If I were afraid of bad times e.g. market crash, hyper inflation I would rather have U.S. Treasuries/TIPS than gold or silver. That may work out, but it depends on the circumstances. Say the US dollar lost its world reserve currency status and the dollar dropped steeply in value. The Chinese and ot...
by Index Fan
Sun Jun 22, 2014 6:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Gold and Silver as an Insurance Policy?
Replies: 37
Views: 2073

Re: Gold and Silver as an Insurance Policy?

hearing peter schiff on the joe rogan podcast really got me spun on this one day. then i realized just how vested his own personal interests were in selling currency fear. before i buy gold i'll be getting a gun. That seems like a lot more worthwhile holding if the whole shebang goes up in flames h...
by Index Fan
Sun Jun 22, 2014 6:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Gold and Silver as an Insurance Policy?
Replies: 37
Views: 2073

Re: Gold and Silver as an Insurance Policy?

I think that a small portion of one's wealth invested in precious metals as an insurance policy against financial system collapse is a reasonable idea. In the last 100 years or so, several countries have had stock exchanges that went to zero. There is a non-trivial possibility that the somewhat frag...
by Index Fan
Sat Jun 21, 2014 11:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Gold and Silver as an Insurance Policy?
Replies: 37
Views: 2073

Re: What Do You Eat For Snacks?

*opens a can of cashews after reading this thread*
by Index Fan
Wed Jun 18, 2014 9:25 pm
 
Forum: Personal Consumer Issues
Topic: What Do You Eat For Snacks? [for exercise-induced hunger]
Replies: 129
Views: 9204

Re: Avoiding Paypal/Ebay Scam

I'd avoid Ebay & Craig's List like the plague in the future (at least for expensive items).
by Index Fan
Wed Jun 18, 2014 9:22 pm
 
Forum: Personal Consumer Issues
Topic: Avoiding Paypal/Ebay Scam
Replies: 30
Views: 2360

Re: New Bill Bernstein Interview - CNN

Interesting to see Mr. Bernstein advocating the bucket approach- I also think that it makes sense to divide your portfolio into two separate buckets. The first one should be designed to safely meet your living expenses, above and beyond your Social Security and pension checks. In the second portfoli...
by Index Fan
Mon Jun 16, 2014 11:31 am
 
Forum: Investing - Theory, News & General
Topic: New Bill Bernstein Interview - CNN
Replies: 2
Views: 827
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