Bogleheads.org

Steve, thanks for all the effort putting this excellent meeting together. Thanks to Larry Swedroe for sharing his insight and experience with all of us. A big thank you to Bull City Co-Working for hosting this meeting. It was a perfect venue. Regards to all. Tom

Ironhorse: If an investor has access to SV Funds in their tax deferred space, is this a decent alternative to a short term bond fund? Definately not. Bonds are for safety. Stocks are risky. You can see this below: In 2008 Vanguard's Small-Cap Value Index Fund (VISVX) plunged -32.05% In 2008 Vanguar...

If an investor has access to SV Funds in their tax deferred space, is this a decent alternative to a short term bond fund?

I currently hold a SV Fund in a tax deferred account as part of the FI side of my portfolio. I have no short term bond funds.

Thanks for the replies. I did not even think to take a look at wiki. :oops: I currently hold, on the fixed income side of our portfolio, the Stable Value Income Fund, TBM, TIPS, PIMCO Emerging Markets Bond Fund and Wellington. Our portfolio is 60% equity funds / 40% bond funds. Yes, I have been read...

In my 457 Plan (NYC), I have access to and maintain a portion of my fixed income in a Stable Income Fund. Would I be correct to consider this similar to a Short Term Bond Index Fund? Thanks in advance.

Just reflecting on our journey to Dublin and the route we have taken so far. Things we do or did right: -Contributed consistently to our tax advantaged accounts on a regular basis over an extended period of time with an appropriate allocation. We were bogleheadish and we didn’t even know it. -We und...

[quote="livesoft"]Surprisingly, the market climate is pretty stable right now. The previous 12 months have had one of the lowest levels of volatility in memory.

That is, volatility can only go higher from here ... back to normal levels.

Define normal.

1516.22

How much of an international component is factored into Total Stock Market (VTSAX)? Can that be quantified? My question is if I have 20% of my equities in Total International (VTIAX) and 80% in TSM (VTSAX), don't I have more than 20% International because of the global business conducted by US compa...

There seems to be a wide range of views regarding the inclusion of corporate bond funds as discussed in the below topics. Jack Bogle seems to feel that adding some corporate exposure is not a bad choice. If I chose to purchase Intermediate Term Bond Index fund to add a little more exposure to US Inv...

The funds in question are in tax advantaged accounts.

Basically, If I did nothing, I would still be in good shape. The diversification of Total Bond and Inflation Protected Securities should be adequate. So if it ain't broken, don't fix it.

I get a sense from reading various posts on bogleheads.org that investors are diversifying their bond investments beyond Total Bond and Inflation Protected Securities funds. Does anyone feel that Total Bond and Inflation Protected Securities funds are adequately diversified bond fund options going f...

My suggestion is to minimally have a written plan that takes into consideration IF your wife should happen to be disinterested in this topic while having to deal with significant and excessive (my opinion) number of accounts and holdings.[/quote] Agreed. His R/O IRA & Roth IRA can't be consolida...

Still too many funds. There is no need for more than one or two bond funds and two or three stock funds if desired. Total Stock, Total International, US REIT, Total Bond (Intermediate Tax Exempt in taxable), maybe Inflation bonds. That is it. You noted some of Jack Bogle's books above. From reading...

I realize this is a July 2012 thread that keeps on ticking. ⋅ Unless 5% of portfolio is a few six figures ($xxx,xxx), it doesn't matter if you hold SC Index, REIT Index, etc. ⋅ What matters is how much you make/save and how you get to retirement with the financial resources to ke...

You didn't ask a question, so I'm not sure if you have one or not. But I do. It appears you have 28 different "positions" when you could have had only 11. Why do you want to do it that way? You don't have to answer and if you like it, it does not matter. But it makes my brain hurt to see ...

Wellesley, REIT and Small Cap Index (from R/O IRA) were eliminated. A portion of Small Cap was maintained in the 457 Plan to approximate TSM. Life Strategy Moderate Growth and Total Bond were added. Adjusted allocation is below. Target 60% stock funds and 40% bond funds Actual: 59%stock funds and 41...

retiredjg. Thank you for taking the time to look over our portfolio. I have some things to consider. LH posted that I should wait to make any changes. I am going to think about things and take another look at it in October. While I believe I can consolidate a bit, my allocation and diversification i...

Can you sell some of the Total Stock Market in taxable without taking a tax hit? (I'm trying to get all the international into taxable.) If not, don't worry about it. I wasn't planning to. One thing I have been considering is starting to take some 457 distributions and rolling them into the Roth. I...

Taxable: 22% of portfolio. Amount added varies. Minimum between 1K and 2K per yr. 401k: 10% of portfolio. Including company match: 18K to 20K per yr. 457: 27% of portfolio. 0 per yr. His tIRA: 18% of portfolio. 0 per yr. Her tIRA: 19% of portfolio. 0 per yr. His Roth IRA: 2% of portfolio. 5K per yr....

Ok, this is going to sound blunt, but it is just meant to get to the point....Do you want to nibble around the edges or would you like to fix whole thing once and for all? :D I understand you might want to keep W & W. That could probably be arranged. But it is perfectly senseless to keep the ba...

retiredjg thanks for your response. Yeah I know....I feel strogly about Wellesley & Wellington. Balanced and VLSMGF look good also. Potential 457 would look like this: 40% Equity Fund, 20% Intl Equity Fund, 25% Stable Income Fund & 15% Bond Fund. Potentially all REIT would move to TSM. Curre...

Books I have read to help guide my (our) formulation of our current portfolio: "Common Sense on Mutual Funds 10th Anniversary Edition” “The Bogleheads Guide to Investing” “All About Asset Allocation” (Second Edition) “The Bogleheads Guide to RetirementPlanning” As well as numerous posts on this...

Thanks for the replies. Also thanks for the patience. I guess I am looking at optimizing diversification if possible. Perhaps I am already in a good position. Below will give you an idea of where we currently are currently positioned: 60% stock funds and 40% bond funds (approx.) Stock Funds Total St...

Why would you want to hold both total stock market and 500 index (which is part of total stock market)? That would overweight large caps. It appears you want to get rid of your mid and small caps and overweight large caps. This plan is not making much sense to me. Perhaps you could show us the layo...

Thoughts on this? I have not initiated any adjustment to our portfolio. I am currently reading "Common Sense on Mutual Funds 10th Anniversary Edition. We currently are approximately 60% Equity Funds and 40% bond funds. Small Cap Index is approximately 5% of portfolio (8% of equity), REIT Index ...

Thanks for the replies. This was a conversation I had with a family member. My gut has always told me to keep paying extra into the mortgage as well as continuing to invest in the Roths and anything else we can add to a taxable account. My attitude is to continue along my path and eventually the mor...

We refinanced our mortgage September 2011 to a 15 year, 3.625% with a current balance of 135K. We currently pay an extra $380 per month towards principal. My wife and I have no debt other than this mortgage and we contribute the highest percentage her job allows to her 401K (not maxed out). We also ...

I don't see a problem with Wellesley or Wellington in a portfolio. I would think they help diversify a portfolio that also includes TSM Index, TBM Index and International Stock Index. I know that past performance is not indicative of future performance, but both funds have a very solid track record....

1461 is my prediction.

1461

[quote="vesalius"][quote="IronHorse1928"]FYI on the 457 Deferred Comp Plan: Stable Income: Managers - ICMA, Fid Cap MGT, BlackRock, PIMCO, Wellington Mgt Co. What is the yield on this fund? The yield for the Stable Income Fund from April 1, 2010 to June 30, 2010 was 4.38%. The yi...

FYI on the 457 Deferred Comp Plan: Stable Income: Managers - ICMA, Fid Cap MGT, BlackRock, PIMCO, Wellington Mgt Co. What is the yield on this fund? TBD - new quarter starts tomorrow Bond Fund: Managers- PIMCO & Blackrock Is this a Long or intermediate Term bond fund? The fund will maintain an ...

If I move my 457 Plan to (rollover) to my TIRA, I loose the option to draw the funds if needed without penalty. Once I left NYC service, I was eligible to draw on the 457. Any 457 distribution would be treated as income. If I roll it to TIRA, it is locked up until 59 1/2. While I have no intention o...

FYI on the 457 Deferred Comp Plan: Stable Income: Managers - ICMA, Fid Cap MGT, BlackRock, PIMCO, Wellington Mgt Co. Bond Fund: Managers- PIMCO & Blackrock Equity Index Fund: Managers- Bank of NY Mellon Mid Cap Equity: Managers- State St. Global Advisors (Index), Earnest Partners (Value) Welling...

Hi IronHorse: I have been watching this thread and I am beginning to understand your portfolio. However, we need to know exactly which account contains which funds . Please list your current portfolio this way (I tried to complete the taxable account): My current portfolio is the first post. I am i...

Fidelity 401K options Credit Suisse Trust U.S. Equity Flex I (WTSGX) ER 1.85% Vanguard LifeStrategy Mod Growth (VSMGX) ER 0.23% Vanguard LifeStrategy Consv Growth (VSCGX) ER 0.24% Several T. Rowe Price Retirement Funds @ ER’s of 0.47% Credit Suisse High Income Common CL (CSHIX) ER 1.38% Alliance Gro...

457 Plan NYC Deferred Compensation Plan Options (no ticker symbols) Stable Income Fund ER 0.26% Bond Fund ER 0.27% Equity Index Fund 0.06% Socially Responsible Fund ER 0.47% Mid Cap Equity fund ER 0.52% International Equity Fund 0.40% Small Cap Equity Fund 0.42% The rest of the options are Target Fu...

Edit with total portfolio percentages. Proposed Portfolio Taking all of our investments into consideration, this is what I have come up with so far. I have not implemented any transactions yet. We are going to rollover the Putnam 401K to a Vanguard Traditional IRA. We kept the 457Plan, Fidelity 401K...

Edit with figures. OK, here is a snapshot of our investments. I believe my wife and I are in the ballpark as it pertains to our investments. I am 45 and my wife is 41. I am retired with a pension and I am currently not employed. My wife is employed with a 401K. She contributes 25% to her 401K with a...

401K Fidelity Current funds: Fidelity Diversified International Fund - Class K (FDIKX) ER 0.78% Vanguard LifeStrategy Growth (VASGX) ER 0.23% Vanguard Russell 3000 Index Fund ER 0.06% Vanguard Capital Opportunity Fund Class Admiral (VHCAX) ER 0.41% PIMCO Emerging Markets Bond Instl CL (PEBIX) ER 0.8...

Proposed Portfolio Taking all of our investments into consideration, this is what I have come up with so far. I have not implemented any transactions yet. We are going to rollover the Putnam 401K to a Vanguard Traditional IRA. We kept the 457Plan, Fidelity 401K (currently active). I put everything o...

Hello. This is my first post. I initially posted this topic on the M* Bogleheads Unite thread under the same subject. It was recommended to me to also post it on this forum for feedback. Thanks in advance. Please go to the M* thread if you wish to read the whole thread. I am posting what my prtfolio...