Bogleheads.org

Same thing but splitting is cheaper.

I'm just going to do the opposite of what the forecasters are predicting.

Given that they are wrong most of the time, doing the opposite should yield the best results.

What is the value of the stock?

That email address is listed at:
https://personal.vanguard.com/web/email ... _Core.html

Vanguard owns the email address according to http://www.whois.sc.

With that said, it's very easy to spoof an email address. It is probably fake.

We could be in the middle of a bull market. Who knows. So yes, I think you are a little crazy to sell everything like that.

If it's a long term plan you shouldn't care all that much.

I'm a little late to the party - but happy belated birthday!

I don't think there is any need to add "downside" to the word "risk". Risk itself is a downside.

Thanks for the info. I entered each of my initial investments and then added new contributions (including dividends) under the "Buy/Sell" tab. However, my gains in M* are off by a little over 1%. i.e. they are higher than what I see in my brokerage account. I guess this isn't a big deal, b...

Total World is slightly more expensive than owning Total US and Total International separately. For this reason, I opted for the latter.

I also like being able to control my international allocation. 30% seems to be what most experts agree on.

I can't believe anyone takes that web site seriously.

I saw the same story about 6 months ago... they recycle the same ones over and over again, hoping to get readers by instilling fear.

There are a handful of professional investors that have done very well over the years with relatively low diversity. Many of them came from Ben Grahams thought process. For every one of those success stories, there are thousands of people that have gotten killed trying to pick stocks. Maybe luck pl...

I agree 100% with the OP. We all look at past performance before investing. Otherwise, indexing would never have caught on in the first place.

IMO, looking at past performance over long periods is a good indication of future performance.

Hello, I want to enter all of my portfolio data on Morningstar, but I'm confused about the best way to do it. Are dividends automatically factored-in/calculated, or do they have to be manually entered? I would prefer to manually enter them so that I can enter the exact price I paid for new shares. D...

These guys will NEVER recommend an index fund, because there's no incentive to. I remember when I met with a fund manager at a different bank many months ago, he showed me a list of their funds. One was an index fund and he also discouraged it by saying that the problem with index funds is that the...

I'm about 80% equities and 20% cash.

What a joke... comparing apples with oranges.

It's reasons like this why I don't bother with fund managers.

Hello, I found a condo (currently being built) for sale in my area for 200k but it is only 400 s.f. and doesn't have a balcony or separate bedroom. It's in a main city downtown and close to transit, so I'm thinking about getting it. The condo fee would only be $200/mo. based on the size of the unit....

He should stick with his original plan of VT. Boggler reminds me of me when I first started posting here; lots of questions, very indecisive, all over the place, afraid to take action. It's all part of the journey. Bought some VT this morning. :) Congrats. :sharebeer Bought some VT this morning. Oh...

If VT had a 0.05% expense ratio I would be tempted to use it for the core of my portfolio.

By investing in only the S&P 500 index you will automatically beat 75% of mutual funds. The returns of VOO vs. VTI are virtually identical.

That would be great if we saw excess returns for the next 5 years. It would mean that going all in this year was a good decision on my part.

He should stick with his original plan of VT.

Boggler reminds me of me when I first started posting here; lots of questions, very indecisive, all over the place, afraid to take action. It's all part of the journey.

The whole point of investing is to consistently reach new highs. How big of a dip are folks waiting for?

I wasn't in the market in 2008, so I basically 'yawned' when the crash happened, not knowing much about it.

Hopefully we won't see one of that magnitude again.

If I had millions of dollars I would probably use the permanent portfolio. It seems like a good way to preserve what you have, get moderate gains, and not take on too much risk.

Isn't it also worth nothing that REITs still haven't reached their former high in 2007? i.e. REITs were priced higher 6 years ago. Today's "highs" are relative to the period in which we look at them. Over the last 3-4 years, it does feel like a bubble. But over the last 10, it doesn't. I'm...

If I could do it two months ago with double the amount, you can do it today.

viewtopic.php?f=1&t=109785&p=1619679#p1619679

The way I look at it is the longer you are in the market, the more of a "cushion" you have built up to absorb potential losses. And the loss isn't as bad if the principle isn't affected. For instance, I've only been in the market for about 3-4 months. In that time, I've already built up a ...

0.105% 8-) What's funny is that if I didn't happen to "stumble" across these message boards, I would likely be paying 10, 15, possibly even 20 times the expense ratio. Thankfully I arrived here at a relatively young age and have been absorbing the wisdom of all of the great folks on here. ...

Hello, In November 2012 I started the 3-fund portfolio with an investment of 10k. Part of that (10%) went to buying the Total Bond Index fund, BND. Since then, I decided to expand my portfolio to include Canada (VCE) and REITs (VNQ). After considerable research, these are 4 ETFs that I plan on holdi...

It will be interesting to come back in a year or two from now and see where REITs are priced at. I only bought into REITs a few months ago and have been enjoying the returns to date. I don't know how much longer they will rise in the short-term, but in the long-term, everything seems to go up. I wou...

REITs make up about 20% of my portfolio... and I only bought in about 3 months ago. Hopefully today's "high" will be next year's low. It just seems that for everyone who says not to buy REITs in 2013, somebody else comes along and says they're a great investment. I find it difficult to dis...

I'm also 100% stock but I prefer to diversify across different indexes. When one index is down, it's nice to see that another one is up. I also do this for tax reasons. There are withholding taxes on dividends if I hold US equities in my tax free account, so I hold the Canadian index in that account...

Extremely risky :!: OP wants safe :happy John Edit, look at chart in this post http://www.bogleheads.org/forum/viewtopic.php?f=1&t=115718 I posted the chart in that post. :happy Then you know it is not safe for OP's time frame :idea: John I know it's not safe for short time frames, and that's w...

Johm221122 wrote:Extremely risky
OP wants safe
John
Edit, look at chart in this post
viewtopic.php?f=1&t=115718

I posted the chart in that post.

Nothing exists like that. But I read that REITs have an expected return of around 10% over long periods. According to the site below, "the last ten years saw REITs return around 10% annually compared with the S&P 500's decline of 1% a year over the same period. REITs returned the same 10% a...

I debated about only using the Total World Index. But there is something about a 0.05% expense ratio for the Total US Index that just has a good "feeling" to it. I also didn't like not being able to control my international allocation. In the end I decided to split 70:30 between VTI and VX...

^^ Thanks for these very helpful insights. In the last 10 years (probably longer) both REITs and the Total Stock Mkt Index have been pretty closely correlated: http://s24.postimg.org/6df96n0np/Capture2.png Another reason I want to buy more REITs in my tax deferred account is to take advantage of the...

You remind me of me in November 2012. In February 2013 I went all in. With the way things are going right now, I'm happy I did.

Do you have an IPS? I manage the portfolio myself, so no IPS here. What does it mean "manage the portfolio myself"? Tactical Asset Allocation? I just meant that I passively manage it myself. i.e. by reinvesting quarterly dividends, making new contributions, and rebalancing (when the time ...

People are living longer and bonds are losing money. This AA doesn't surprise me considering that you only need a small income stream.

Elbowman wrote:Do you have an IPS?

I manage the portfolio myself, so no IPS here.

Hello, I have more contribution space in my tax-deferred account, so I'm thinking about buying more REITs. If I use the full amount to buy more REITs, it will account for about 20% of my overall portfolio. It's already very high even before the new contribution. Is 20% too high to allocate to REITs?...

My dad's main argument for active management for the entire portfolio is that active managers are better at avoiding downside risk and can avoid or lessen the negative impacts on compounding when the market drops. According to his theory, they are professional and the best managers and they underst...

Buying a $5,000 tv that I never use.

entyrii wrote:There is no free lunch.

Would you be willing to bet your retirement on their proprietary algorithm?

Probably not, unless it had a proven track record with decades (maybe even a century) of data.

Don't contrarians also look for a "sale"? I wouldn't exactly consider bonds a sale right now.

Hello, I read an article today on yahoo about computer-based trading: http://ca.news.yahoo.com/google-based-trading-strategy-made-big-return-study-152948272--sector.html The article claims a 326% return since 2004. Since joining the forums, I don't recall seeing any threads about computer-based trad...

At your age I'd be 80% stock, 20% bond, or 90% stock, 10% bond. I like a 60/40 split between domestic and international equities. As others above have said, dont try to time the market. Set your allocation and rebalance as necessary, or buy the target retirement fund (which rebalances for you) and ...

Your investment decisions should be based on time horizon and the amount of risk you can afford to take rather than trying to determine what asset classes are "on sale." Who knows? The Euro could collapse and Europe could go into free fall tomorrow. Answer some of these questions and we m...

Hello, I'm thinking about investing more money into the Total International Stock Index. Given that Europe makes up around 50% of this index, it almost seems like a good time to buy. Although it's hard diverging money away from the Total US Stock Index, given that it's done so well this year. The on...