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Re: WHY YOU OWE YOUR FREEDOM TO JACK BOGLE

At first, I was a little offended by the title of the article, despite the fact that I believe whole heartedly that Bogle deserves this award considering the individuals who it has typically been awarded to and how it has been used in the past. However, after some consideration, in my mind freedom ...
by Munir
Tue Mar 03, 2015 5:45 pm
 
Forum: Investing - Theory, News & General
Topic: WHY YOU OWE YOUR FREEDOM TO JACK BOGLE
Replies: 33
Views: 2452

Re: What Movie Have You Recently Watched?

1. Olive Kitteridge

2. Ida

3. Still Alice

They are all pithy well-crafted and well-acted films.
by Munir
Sun Mar 01, 2015 5:28 am
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 573
Views: 70488

Re: [Is it worth getting an] AARP [membership]?

It seems to me that every few months a thread presumably starts with "questions" about AARP but it quickly evolves into AARP bashing. The same complaints get rehashed again and again. What gives?
by Munir
Tue Feb 24, 2015 1:48 am
 
Forum: Personal Consumer Issues
Topic: [Is it worth getting an] AARP [membership]?
Replies: 58
Views: 3988

Re: Read WSJ every day ?

Read it 30 years ago. Had a prescription for awhile. I don't remember learning much about investing, as that came later from experience. Today, as with most Bogleheads, I ignore any and all print, TV and an internet financial media. It only reports news that is basically sensational, negative and h...
by Munir
Sat Feb 21, 2015 9:00 am
 
Forum: Personal Consumer Issues
Topic: Read WSJ every day ?
Replies: 86
Views: 4985

Re: Read WSJ every day ?

On their web site, I read the headlines from the front page and some selected personal finance articles like Clements and Zweig. I never read the opinion section.
by Munir
Mon Feb 16, 2015 10:51 am
 
Forum: Personal Consumer Issues
Topic: Read WSJ every day ?
Replies: 86
Views: 4985

Re: What Movie Have You Recently Watched?

"Still Alice". Highly recommend the film and Julienne Moore's performance.
by Munir
Sun Feb 15, 2015 3:53 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 573
Views: 70488

Re: How many have a membership in AARP?

I belong to AARP and appreciate the benefits and some of the articles in their publications. Used their car/home insurance previously and currently use their Medigap insurance for Medicare. In my opion, most of the objections to it are politcal and not because of what they offer or don't offer.
by Munir
Thu Feb 12, 2015 10:24 pm
 
Forum: Personal Consumer Issues
Topic: [Is it worth getting an] AARP [membership]?
Replies: 58
Views: 3988

Re: Mr. Bogle's current bond investing advice--what is it?

FreeAtLast wrote:Partially because of JB's comments, I now own Intermediate Term Bond Index and Intermediate Term Investment Grade in addition to TBM.


+1
by Munir
Sat Feb 07, 2015 11:08 am
 
Forum: Investing - Theory, News & General
Topic: Mr. Bogle's current bond investing advice--what is it?
Replies: 27
Views: 4553

Re: What Book Are You Currently Reading? Part VI

All ye over 60, Being Mortal by Atul Gawande is for thee.
by Munir
Tue Feb 03, 2015 6:47 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 511
Views: 68790

Re: Do retired Bogleheads have rising net assets?

How can you compare those with pensions (or SPIAs) and S.S. to those living off their nest eggs? Is everyone comparing their total assets or just their investment portfolios? I haven't seen one reponse saying their "assets" are flat or have declined. Are the members of the flat/declining g...
by Munir
Mon Feb 02, 2015 9:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do retired Bogleheads have rising net assets?
Replies: 42
Views: 4443

Re: Jack Bogle: We Need to Fix the Bond Index

I'm not a big fan of increasing the amount of corporate bonds in TBM. Put me in Larry Swedroe's camp- government bonds are a greater diversifier and flight to quality target, whereas corporates are more correlated to stock performance. For portfolios with a good amount of equities, adding corporate...
by Munir
Mon Feb 02, 2015 3:24 am
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle: We Need to Fix the Bond Index
Replies: 89
Views: 9790

Re: Wiki comments requested: The importance of asset allocat

The SEC? Here's the link: Beginners' Guide to Asset Allocation, Diversification, and Rebalancing That's surprisingly well written. Yes, and that's what I tried to say when i quoted Jane Bryant Quinn. Asset Allocation is part of a long term framework that goes with diversification and rebalancing to...
by Munir
Sun Feb 01, 2015 3:48 pm
 
Forum: Investing - Theory, News & General
Topic: Wiki comments requested: The importance of asset allocation
Replies: 208
Views: 10303

Re: Mr. Bogle's current bond investing advice--what is it?

While waiting for the publication of the Boglehead Conference responses from Mr. Bogle to questions posed by Bogleheads via Mel, I own a mix of Intermediate Investment Grade and Total Bond Market Funds in my IRA. The reason I chose Inv. Gr. over pure intermediate coprorate funds is duration and cost.
by Munir
Mon Jan 26, 2015 1:26 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Bogle's current bond investing advice--what is it?
Replies: 27
Views: 4553

Re: Poll: Principles of Boglehead Philosophy

Low-cost diversified passive investing sums it up for me. My life-style has nothing to do with being a BH even though I think $5K watches are a waste of money (and ostentatious).
by Munir
Mon Jan 26, 2015 1:10 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Principles of Boglehead Philosophy
Replies: 68
Views: 3822

Re: Poll: Principles of Boglehead Philosopy

Keep Investing Costs Low, Diversify Your Investments, Stay the Course! Carry on! Voted the same. Indexing is really a tool—and not necessarily the only one—for implementing the first two. Really, I think keeping taxes low should be a poll response as well unless you lump that in with keeping costs ...
by Munir
Sat Jan 24, 2015 2:18 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Principles of Boglehead Philosophy
Replies: 68
Views: 3822

Re: Bogle's Response to Boglehead Questions at Annual Conf

Have the responses by Jack Bogle to the questions submitted by Bogleheads thru Mel at the Boglehead Annual Convention been published yet? No, the videos are not available yet. Remember, this work is done by a Boglehead volunteer who just happens to be a heart specialist with a thriving practice and...
by Munir
Fri Jan 16, 2015 9:49 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle's Response to Boglehead Questions at Annual Conf
Replies: 7
Views: 1590

Re: Bogle's Response to Boglehead Questions at Annual Conf

Have the responses by Jack Bogle to the questions submitted by Bogleheads thru Mel at the Boglehead Annual Convention been published yet? No, the videos are not available yet. Remember, this work is done by a Boglehead volunteer who just happens to be a heart specialist with a thriving practice and...
by Munir
Fri Jan 16, 2015 8:29 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle's Response to Boglehead Questions at Annual Conf
Replies: 7
Views: 1590

Bogle's Response to Boglehead Questions at Annual Conf

Have the responses by Jack Bogle to the questions submitted by Bogleheads thru Mel at the Boglehead Annual Convention been published yet?
by Munir
Fri Jan 16, 2015 2:56 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle's Response to Boglehead Questions at Annual Conf
Replies: 7
Views: 1590

Re: Tilting to Corp. Bonds

I think you have to look at and absorb the gain/decline numbers Taylor put forth. If you were fortunate enough to market-time (yes, market time) the bottom you would have had about 9% or so more to rebalance with. Not so lucky market timing not so great an amount. If you were going to hold pat a di...
by Munir
Fri Jan 16, 2015 2:49 pm
 
Forum: Investing - Theory, News & General
Topic: Tilting to Corp. Bonds
Replies: 36
Views: 2976

Re: Is a Sub-4% SWR a Boglehead Quirk?

I've noticed whenever SWRs are discussed, there is a committed group of Bogleheads that urge lower, often much lower, SWRs. I'm confused by that since Vanguard's best research still suggests 4% works for nearly everyone. There might be a few qualifiers, such as whether you retire at 40 or if you in...
by Munir
Mon Jan 12, 2015 12:40 pm
 
Forum: Investing - Theory, News & General
Topic: Is a Sub-4% SWR a Boglehead Quirk?
Replies: 177
Views: 10795

Re: An Excellent Article about 4% Withdrawal Rule

I've found following article, which is well written in regard with 4% withdrawal rule, very helpful and wish to share with other bogleheads. http://vanguardblog.com/2014/11/07/the-4-spending-rule-20-years-later/ In the Vanguard webinar this past Thursday, both the Vanguard president and chief inves...
by Munir
Sat Jan 10, 2015 1:12 am
 
Forum: Personal Finance (Not Investing)
Topic: An Excellent Article about 4% Withdrawal Rule
Replies: 10
Views: 3280

Re: "Vanguard Group execs say deflation a real risk..."

livesoft wrote:Did they say what to do in order to benefit from deflation? Or at least how to take advantage of deflation?


No.
by Munir
Fri Jan 09, 2015 11:50 am
 
Forum: Investing - Theory, News & General
Topic: "Vanguard Group execs say deflation a real risk..."
Replies: 61
Views: 6311

Re: Jonathan Clements Money Guide 2015 -- A Gem

I agree it's a great book, and have purchased it for my daughter.
by Munir
Thu Jan 08, 2015 10:51 pm
 
Forum: Investing - Theory, News & General
Topic: Jonathan Clements Money Guide 2015 -- A Gem
Replies: 17
Views: 3052

Re: Is "stay the course" a commandment or a suggestion?

englishgirl wrote:the brothers??? :shock:


+1.

Can we also skip all the "shipmates" expressions?
by Munir
Mon Jan 05, 2015 3:08 pm
 
Forum: Investing - Theory, News & General
Topic: Is "stay the course" a commandment or a suggestion?
Replies: 60
Views: 4121

Re: Why not just follow John Bogle

Speaking of Jack Bogle, has his response to the questions submitted to him by Bogleheads thru Mel at the last Boglehead Conference been posted yet? (Sorry for the digression).
by Munir
Sun Jan 04, 2015 12:15 pm
 
Forum: Investing - Theory, News & General
Topic: Why not just follow John Bogle
Replies: 78
Views: 5973

Re: 2015 BOGLEHEAD CONTEST REGISTRATION

2264.00
by Munir
Sat Jan 03, 2015 3:22 am
 
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEAD CONTEST REGISTRATION
Replies: 556
Views: 19930

Re: Active total bond fund

On the other hand, I wouldn't go all the way to corporates. I'd keep these Treasury positions. So, if we don't have an index fund that accurately reflects the total bond market for U.S. investors, you maybe take half of that and put it in a corporate-bond index fund. So, why not do exactly what he ...
by Munir
Wed Dec 31, 2014 12:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Active total bond fund
Replies: 10
Views: 1001

Re: Bond Fund Selection

You will get many more responses if you post fund names rather than ticker symbols. We do not have these memorized and often won't take time to look them up. However, in this case I did. PTRAX is an excellent all purpose fund that you find in many retirement plans. ACITX holds inflation adjusted bo...
by Munir
Wed Dec 31, 2014 7:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond Fund Selection
Replies: 3
Views: 802

Re: Active total bond fund

Bogle's concern as I understand it, is, as you say, not that Treasuries should be avoided, but simply that he thinks that over time the proportion of Treasuries in the Barclay's Aggregate index has gotten high and that a suitable mix for the average investor would have more corporate bonds in it, i...
by Munir
Wed Dec 31, 2014 7:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Active total bond fund
Replies: 10
Views: 1001

Re: Target Retirement Funds - are they the AA you would choo

Here's a column I wrote for Morningstar back in 2009 which covered my thoughts and suggestions for Target Date Funds. The title of the column is "Fixing Target Date Funds". http://news.morningstar.com/articlenet/article.aspx?postId=2686718 I like Mel's proposal. I wonder why no mutual fun...
by Munir
Tue Dec 30, 2014 7:21 pm
 
Forum: Investing - Theory, News & General
Topic: Target Retirement Funds - are they the AA you would choose?
Replies: 32
Views: 2800

Re: Diversifying bond allocation: Adding VFICX to VBMFX

I have 60% of my porfolio in fixed income- nearly all in my IRA. Bond holdings are important in my current distribution phase of retirement. I agonized on the questions you raised and studied all kinds of opinions on them. My conclusion was to be 50:50 in Total Bond Market Fund and Intermediate Inve...
by Munir
Tue Dec 30, 2014 2:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Diversifying bond allocation: Adding VFICX to VBMFX
Replies: 15
Views: 1290

Re: Bond SEC yield, credit rating

ogd wrote:
A case could also be made for keeping a stash of Treasuries separate just for rebalancing and holding corporates as a "deep allocation" that you're unlikely to touch except in the longer term. That can work.


Good idea. Thanks.
by Munir
Tue Dec 30, 2014 10:11 am
 
Forum: Investing - Theory, News & General
Topic: Bond SEC yield, credit rating
Replies: 10
Views: 617

Re: Bond SEC yield, credit rating

All other things being equal, more credit risk = higher yield. One thing that will cause a corporate-only fund to have a higher yield than one with treasuries is call risk (i.e. the fact that that the issuer can call the bond if rates go down). One thing I do to get a handle on the risks that fund ...
by Munir
Tue Dec 30, 2014 1:26 am
 
Forum: Investing - Theory, News & General
Topic: Bond SEC yield, credit rating
Replies: 10
Views: 617

Re: Happy with Barclays savings account?

@OP: I opened a Barclays account about 1 year ago for my emergency savings holdings. I also use Cap 1 360 (rest in peace ING) for my primary Bank. I really like Barclays as a savings account. GO FOR IT!!!!!!!!!!!!!!!!!!!! FYI, for their savings account, they just raised the rate to an even 1%. It w...
by Munir
Sat Dec 27, 2014 2:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Happy with Barclays savings account?
Replies: 24
Views: 10563

Re: What Movie Have You Recently Watched?

"Ida"- a Polish/Danish film. Best in 2014.
by Munir
Thu Dec 25, 2014 1:50 am
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 573
Views: 70488

Re: What Book Are You Currently Reading? Part VI

Being Mortal by Atul Gawande. A Harvard surgeon discusses life in retirement especially independent & assisted living, retirement homes, and hospice.
by Munir
Wed Dec 24, 2014 7:18 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 511
Views: 68790

Re: U.S. stocks in freefall

A new all-time high for the S&P 500 today- or close to it. Should the title of this thread be updated?
by Munir
Mon Dec 22, 2014 4:48 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1195
Views: 222565

Re: Master Thread for Portland, Oregon

ComStar wrote:I live in Salem and would like to join in... Is this group still meeting?


Yes. See the post immediately above yours.
by Munir
Wed Dec 17, 2014 12:02 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Portland, Oregon
Replies: 82
Views: 18476

Re: [POLL] What Fixed Income Assets Do You Use?

I would have liked to see SPIAs listed separately instead of being considered "other".
by Munir
Tue Dec 16, 2014 4:18 pm
 
Forum: Investing - Theory, News & General
Topic: [POLL] What Fixed Income Assets Do You Use?
Replies: 37
Views: 1841

Re: 3 Fund vs. Stategic Life Style

3 Fund vs. Stategic Life Style dansmail26: The Vanguard Three Fund Portfolio and the Vanguard Life Strategy Funds both contain Vanguard's three total market index funds -- so they are similar funds. * The Life Strategy Funds are normally preferred when portfolios contain only tax-advantaged account...
by Munir
Mon Dec 15, 2014 12:04 am
 
Forum: Investing - Help with Personal Investments
Topic: 3 Fund vs. Stategic Life Style
Replies: 13
Views: 1112

Re: "Why Bother With Bonds" -- A Gem

A good bond book for beginners.
by Munir
Mon Dec 08, 2014 6:59 pm
 
Forum: Investing - Theory, News & General
Topic: "Why Bother With Bonds" -- A Gem
Replies: 33
Views: 9305

Re: THANK YOU!!! Bogleheads Conference #13 (2014)

Would anyone be aware when the Q&A to Jack Bogle may be available? Nothing's changed since the last time you asked and I responded upthread. http://www.bogleheads.org/forum/viewtopic.php?p=2241077#p2241077 Thanks Mel! I am looking forward to it. Perhaps someday I can attend a conference! Any ta...
by Munir
Wed Dec 03, 2014 11:40 am
 
Forum: Local Chapters and Bogleheads Community
Topic: THANK YOU!!! Bogleheads Conference #13 (2014)
Replies: 73
Views: 9091

Re: Favorite nonfiction books

Being Mortal by Atul Gawande (2014)

Boston Globe: “Being Mortal: Medicine and What Matters in the End,” Harvard surgeon Atul Gawande’s masterful exploration of aging, death, and the medical profession’s mishandling of both, is his best and most personal book yet.
by Munir
Mon Dec 01, 2014 1:25 am
 
Forum: Personal Consumer Issues
Topic: Favorite nonfiction books
Replies: 117
Views: 10568

Re: Should 529s be counted part of our net worth?

Calculating networth is a great way to see where you are In terms of accumulating wealth. Paid off house and 529s account for a big chunk of my assets. I can use house equity and 529s for retirement albeit with penalties and interest. It is used in my networth calculations. Do you include the 529 w...
by Munir
Sat Nov 29, 2014 2:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Should 529s be counted part of our net worth?
Replies: 34
Views: 2611

Re: Should 529s be counted part of our net worth?

If the 529 is included in my assets, does that mean I should include it in my asset allocation calculations when considering equites, fixed income etc even though my intent is not to use it for my personal investments/spending except in a dire emergency?
by Munir
Fri Nov 28, 2014 8:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should 529s be counted part of our net worth?
Replies: 34
Views: 2611

Re: Jack Bogle says VTBMX + VICSX?

Personally, after reading similar statements from Mr Bogle multiple times, I chose to switch to VBILX for now. I wanted to keep it simple, while still doing *something* about the matter... Now hopefully, I'll be disciplined enough to NOT change my mind for a few years. Although I don't think it is ...
by Munir
Tue Nov 18, 2014 2:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Jack Bogle says VTBMX + VICSX?
Replies: 15
Views: 2627

Re: Jack Bogle says VTBMX + VICSX?

I wouldn't obsess about it, especially if you are just starting out and have a relatively small bond allocation. Even Bogleheads don't agree with everything Mr. Bogle says (though we appreciate what he has done for the common investor). I started out with 6 to 7 different funds and have consolidate...
by Munir
Mon Nov 17, 2014 11:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Jack Bogle says VTBMX + VICSX?
Replies: 15
Views: 2627

Re: Assisted Living

gatorking wrote:I recommend http://atulgawande.com/book/being-mortal/
Not all assisted living facilities are created equally.


+1
by Munir
Tue Nov 11, 2014 7:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Assisted Living
Replies: 24
Views: 2304

Re: Poll: What is your Bond Allocation %?

Also am in Total S/T Bond Index instead of Intermediate. Kalo What is "Total S/T Bond Index?" S/T = short term https://personal.vanguard.com/us/funds/snapshot?FundId=0132&FundIntExt=INT I know S/T means short-term, but there is no Vanguard bond fund title that includes the words "...
by Munir
Sat Nov 08, 2014 9:55 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: What is your Bond Allocation %?
Replies: 93
Views: 12381
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