Search found 1890 matches

Go to advanced search

by Munir
Thu May 21, 2015 12:03 am
Forum: Investing - Help with Personal Investments
Topic: Should I move IRA funds to VSCGX?
Replies: 9
Views: 721

Re: Should I move IRA funds to VSCGX?

I'm a 77 year old retiree. A few months ago I moved all my IRA funds (the bulk of of my investments) to the Life Strategy Conservative Growth fund (VSCGX) for simplicity, and because my spouse and heirs have no interest in finance or investments. A one-fund portfolio will be much easier to manage af...
by Munir
Mon May 18, 2015 9:43 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 828
Views: 116108

Re: What Movie Have You Recently Watched?

" A Hijacking"- a Danish film about the hijacking of a ship by Somali pirates. Excellent all-around. Main actors are the same as in "Borgen", another excellent Danish equivalent of "House of Cards". Unfortunately, Hollywood is not rising to the standards of such Danish ...
by Munir
Tue May 12, 2015 12:52 pm
Forum: Investing - Theory, News & General
Topic: Are we experiencing a bond correction or crash?
Replies: 34
Views: 5648

Re: Are we experiencing a bond correction or crash?

I agree that bond funds like TBM shouldn't reach the 20% threshold that qualifies as a crash. At least it shouldn't reach this quickly. If we are going back towards more historical interest rates then I'd expect a slow erosion of asset values to be replaced by higher yield. I'm ready to get through...
by Munir
Tue May 12, 2015 10:28 am
Forum: Investing - Theory, News & General
Topic: Are we experiencing a bond correction or crash?
Replies: 34
Views: 5648

Re: Are we experiencing a bond correction or crash?

Rates up, bonds down, stocks down- again !! :(
by Munir
Fri May 08, 2015 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: Diversifying beyond Vanguard Target Date Fund
Replies: 45
Views: 4371

Re: Diversifying beyond Vanguard Target Date Fund

I thought it was ok for Bogleheads to use 5% of our investments as play money? :D Some individual Bogleheads have mentioned the term "Las Vegas" funds (but smaller than 5% of one's total portfolio). A better term is "high risk" money since that will not arouse strong feelings am...
by Munir
Wed May 06, 2015 11:57 am
Forum: Investing - Theory, News & General
Topic: Are we experiencing a bond correction or crash?
Replies: 34
Views: 5648

Re: Are we experiencing a bond correction or crash?

Rates up, bonds down, stocks down. Not a cheerful time if this persists :( - except for those who always think on a long term basis and can find a silver lining in any depressing piece of news.
by Munir
Tue May 05, 2015 6:22 am
Forum: Personal Consumer Issues
Topic: How To Find The Best Doctor
Replies: 42
Views: 2853

Re: How To Find The Best Doctor

In my line of work, the best doctor is the one on duty. If you need a doctor, and you need her now, the one in the ED is far better than the one off rock climbing. This may be true for emergencies but aren't ER physicians known not to want long-term relationships with individual patients because th...
by Munir
Tue May 05, 2015 6:15 am
Forum: Personal Consumer Issues
Topic: How To Find The Best Doctor
Replies: 42
Views: 2853

Re: How To Find The Best Doctor

To find the best doctor for a particular ailment or procedure do a few Google Searches, but most importantly, check with nurses. The nurses in a hospital are in the know about who is good and who is not. If a doctor has a bad reputation for his specialty they know and if he is good they know that a...
by Munir
Tue May 05, 2015 1:09 am
Forum: Investing - Help with Personal Investments
Topic: Bonds, Average Duration, and NAV - and Confusion
Replies: 9
Views: 920

Re: Bonds, Average Duration, and NAV - and Confusion

Isn't it true that rate increases usually are not a one-time event but successive over a period of time, and therefore, you have a decrease in the NAV with each rate increase? That means a recalculation of duration and return to original NAV for each rate increase when the increase occurs?
by Munir
Sun May 03, 2015 10:31 am
Forum: Personal Consumer Issues
Topic: How To Find The Best Doctor
Replies: 42
Views: 2853

Re: How To Find The Best Doctor

As a retired surgeon (urologist), I generally agree with the comments by "staythecourse". Doctors should be evaluated on two levels: professional competence in their field, and how well they relate to patients and staff. Ideally one looks for both qualities but that is rare to find. The pr...
by Munir
Sat May 02, 2015 7:48 am
Forum: Forum Issues and Administration
Topic: Oh yuck, what just happened to the font?
Replies: 65
Views: 4666

Re: Oh yuck, what just happened to the font?

Lady Geek Please see my last entry questions above. I tried changing my browser from Chrome to IE but no results with the Boglehead font. Back on Chrome again. Eureka!! The apple just fell on my head. Found the "refresh" icon. Clicking on it solved the problem. Thank you Lady Geek and all...
by Munir
Sat May 02, 2015 7:42 am
Forum: Forum Issues and Administration
Topic: Oh yuck, what just happened to the font?
Replies: 65
Views: 4666

Re: Oh yuck, what just happened to the font?

Lady Geek

Please see my last entry questions above.

I tried changing my browser from Chrome to IE but no results with the Boglehead font. Back on Chrome again.
by Munir
Sat May 02, 2015 7:12 am
Forum: Forum Issues and Administration
Topic: Oh yuck, what just happened to the font?
Replies: 65
Views: 4666

Re: Oh yuck, what just happened to the font?

Not a problem, I have Chrome. Yes, "R" is the letter R on your keyboard. This should help: Try Ctrl-Shift-R (instead of Ctrl-r) to tell the browser to reload the page ignoring the cache. You can also hold down the Shift key and click on the refresh button. The "refresh" button i...
by Munir
Sat May 02, 2015 6:56 am
Forum: Forum Issues and Administration
Topic: Oh yuck, what just happened to the font?
Replies: 65
Views: 4666

Re: Oh yuck, what just happened to the font?

My browser is chrome 42 on Windows 7. I tried everything and nothing works to get rid of the "yuk" font.

Is the R for refresh the letter R? Excuse my novice status.
by Munir
Sat May 02, 2015 6:33 am
Forum: Forum Issues and Administration
Topic: Oh yuck, what just happened to the font?
Replies: 65
Views: 4666

Re: Oh yuck, what just happened to the font?

IPer wrote:
IPer wrote:
Munir wrote:I rebooted my computer but still show the horrible font. What to do now?


Hit Ctrl-Shift-R a few times, that's all I did.


What is the R stand for?
by Munir
Sat May 02, 2015 6:13 am
Forum: Forum Issues and Administration
Topic: Oh yuck, what just happened to the font?
Replies: 65
Views: 4666

Re: Oh yuck, what just happened to the font?

I rebooted my computer but still show the horrible font. What to do now?
by Munir
Fri May 01, 2015 12:11 am
Forum: Investing - Help with Personal Investments
Topic: Is $700/yr too much to pay Vanguard to have VSMGX?
Replies: 28
Views: 3214

Re: Is $700/yr too much to pay Vanguard to have VSMGX?

Could not find Mike Piper's specific article on the one-fund solution with this link. What am I missing? I used this search: "one fund" site:www.obliviousinvestor.com, and one of the links is: Are We Still Using the LifeStrategy Growth Fund? I didn't try to backtrack to Mike's earlier pos...
by Munir
Thu Apr 30, 2015 4:12 pm
Forum: Investing - Help with Personal Investments
Topic: Is $700/yr too much to pay Vanguard to have VSMGX?
Replies: 28
Views: 3214

Re: Is $700/yr too much to pay Vanguard to have VSMGX?

I personally wouldn't do it, but if I wanted a super-simple solution, and/or wanted it as a damper on my urge to tinker, I would do it. My understanding is that forum member, author, and blogger Mike Piper, went with a one-fund solution for exactly the latter reason. Here is a link to his blog if y...
by Munir
Thu Apr 30, 2015 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: Is $700/yr too much to pay Vanguard to have VSMGX?
Replies: 28
Views: 3214

Re: Is $700/yr too much to pay Vanguard to have VSMGX?

Another nice thing about this fund (and other "all-in-one" funds) is you don't have to worry about your RMDs messing up your AA, as the only thing you have to do is decide HOW to take RMDs: via dividends, selling shares, or a combination of dividends and share sales. No matter your choice...
by Munir
Sat Apr 25, 2015 7:16 pm
Forum: Investing - Theory, News & General
Topic: Retirement Allocations
Replies: 13
Views: 1291

Re: Retirement Allocations

Without commenting on the withdrawal numbers, I feel that your asset allocation is too complicated and risky with too many managed funds. Why not decide on your equity:fixed income ratio then look for a Life Strategy or Target Retirement fund to meet that criterion? I doubt that your complicated pro...
by Munir
Sat Apr 25, 2015 11:48 am
Forum: Investing - Theory, News & General
Topic: Peter Bernstein's 60/40 solution
Replies: 32
Views: 4438

Re: Peter Bernstein's 60/40 solution

...Dr Bill Bernstein, MD, is a noted author who writes about retirement issues. Along with a PhD in Chemistry............! William (Bill) Bernstein, M.D. is a retired neurologist who used to practice in Coos Bay, Oregon, and later moved to Portland. I was not aware he had a degree in chemistry. I w...
by Munir
Fri Apr 24, 2015 5:12 pm
Forum: Investing - Theory, News & General
Topic: Peter Bernstein's 60/40 solution
Replies: 32
Views: 4438

Re: Peter Bernstein's 60/40 solution

For retirees like myself, I fully agree with Rick Ferri's column referred to above:

http://www.rickferri.com/blog/investmen ... -retirees/

After today, I'm at 34% equities.
by Munir
Wed Apr 22, 2015 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: Why I Chose Target Retirement Funds
Replies: 54
Views: 6680

Re: Why I Chose Target Retirement Funds

livesoft wrote:My kids invest only with TR funds, too. If you ask them the reason, they might tell you, "Because Dad said so."


Shame! Shame :happy

Educate, educate.
by Munir
Sat Apr 18, 2015 4:17 pm
Forum: Personal Consumer Issues
Topic: Netflix DVD delivery slowdown?
Replies: 112
Views: 19428

Re: Netflix DVD delivery slowdown?

Still slow, slow, slow, and no notifications or requests about delivery times.
by Munir
Fri Apr 17, 2015 5:50 pm
Forum: Forum Issues and Administration
Topic: Abbreviation: "OP"[? = "Original Poster"]
Replies: 14
Views: 1240

Re: Abbreviation: "OP"

Dulocracy wrote:
nisiprius wrote:but I at least do try to read the original post.


It is good that you try to at least make that effort... :P


How does one "make the effort to try and read" ? :happy
by Munir
Fri Apr 17, 2015 4:42 am
Forum: Investing - Theory, News & General
Topic: Your Questions for Jack Bogle Q&A @ Bogleheads Conference
Replies: 25
Views: 3377

Re: Your Questions for Jack Bogle Q&A @ Bogleheads Conferenc

Mel,

Can you please direct me to the transcript of Jack's Q&A in the 2014 Boglehead Conference? I assume it has been posted and I have missed it. Thanks.
by Munir
Sun Apr 12, 2015 4:49 am
Forum: Investing - Help with Personal Investments
Topic: Is Short-term Corp. Best With Total Bond?
Replies: 6
Views: 760

Re: Is Short-term Corp. Best With Total Bond?

I've been reading about various ways to increase exposure to corporate bonds for those holding the Total Bond market fund. Some people seem to like pairing Total Bond with the short-term corporate index, while others prefer the intermediate-term corporate fund. Is the main difference your time hori...
by Munir
Thu Apr 09, 2015 10:17 am
Forum: Investing - Help with Personal Investments
Topic: Required minimum distribution and year end fund distribution
Replies: 29
Views: 2079

Re: Required minimum distribution and year end fund distribu

I don’t mind paying quarterly taxes. With two pensions, social security, and RMDs trying to get all the withholdings just right so I don’t go too far over or too far under my total tax liability would be more of a hassle than just doing the quarterly estimated tax payments. I don't mind either. At ...
by Munir
Wed Apr 08, 2015 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Required minimum distribution and year end fund distribution
Replies: 29
Views: 2079

Re: Required minimum distribution and year end fund distribu

The biggest advantage to taking the RMD in late December is not having to pay quarterly taxes during the year since they can be withheld by Vanguard at the time of the RMD withdrawal for just a few months until you file your taxes (and hopefully get a refund). For me it has been a relief not having ...
by Munir
Mon Mar 30, 2015 1:37 am
Forum: Investing - Help with Personal Investments
Topic: M*: No Vanguard Funds Among Its Top Seven Inter. Bond Funds
Replies: 17
Views: 2666

Re: M*: No Vanguard Funds Among Its Top Seven Inter. Bond Fu

For clarification, Grabiner (and Nisiprius agrees) thinks there isn't that much difference in interest-rate risk between intermediate-term treasuries and intermediate-term corporate bonds, while the M* article states that treasuries are more risky in case of a rise in interest rates.
by Munir
Sat Mar 28, 2015 11:01 am
Forum: Personal Consumer Issues
Topic: Whats a good multi vitamin?
Replies: 17
Views: 1304

Re: Whats a good multi vitamin?

MD here. Not good evidence that a daily vitamin is helpful if you don't have a diet problem or gut disease like celiac spruce. Would get the cheap easily accessible one like the Kirkland myself if I took anything at all. +1. Vitamin D is recommended for northern climate sun-deprived individauls and...
by Munir
Fri Mar 27, 2015 9:35 am
Forum: Investing - Help with Personal Investments
Topic: M*: No Vanguard Funds Among Its Top Seven Inter. Bond Funds
Replies: 17
Views: 2666

Re: M*: No Vanguard Funds Among Its Top Seven Inter. Bond Fu

If you can't sleep at night because you are worried your bond index fund will underperform some suggested actively managed funds, then you could try switching and see if your sleep improves. Personally, I am sleeping well at night because I have consolidated all my funds into the Life Strategy Cons...
by Munir
Fri Mar 27, 2015 4:05 am
Forum: Investing - Help with Personal Investments
Topic: M*: No Vanguard Funds Among Its Top Seven Inter. Bond Funds
Replies: 17
Views: 2666

M*: No Vanguard Funds Among Its Top Seven Inter. Bond Funds

http://news.morningstar.com/articlenet/article.aspx?id=689802 In a recent article, Morningstar does not include any index (or Vanguard) funds among its top seven intermediate bond funds and lists the Vanguard Ginnie Mae fund as #8. The reason given is that bond index funds track the Barclay's Aggreg...
by Munir
Wed Mar 25, 2015 10:07 am
Forum: Personal Finance (Not Investing)
Topic: SPIA: Northwestern Mutual vs New York Life
Replies: 17
Views: 1536

Re: SPIA: Northwestern Mutual vs New York Life

If I were buying it for myself, which I have, I'd step down a notch in quality for a higher return. From your post I know you're looking for the best of the best, but there are many strong insurance carriers out there which also issue SPIA's. Gill +1. Have you tried the Income Solutions via the Van...
by Munir
Tue Mar 24, 2015 12:27 pm
Forum: Investing - Help with Personal Investments
Topic: VanG Intermediate Term Bond Market Question
Replies: 20
Views: 1959

Re: VanG Intermediate Term Bond Market Question

Intermediate Investment Grade Bond Fund (VFIDX) : yield 2.5%; duration 5.24 years per M* and 5.4 per Vanguard; corporate holdings 75%; bond credit quality A; Vanguard risk level 2 and M* is average risk. Check it out- you can use it by itself or together with TBM.
by Munir
Tue Mar 24, 2015 10:04 am
Forum: Investing - Help with Personal Investments
Topic: VanG Intermediate Term Bond Market Question
Replies: 20
Views: 1959

Re: VanG Intermediate Term Bond Market Question

Thank you. I've read all your responses more than once and I do appreciate them. The vibe I'm getting is that these funds aren't much different and I'd be fine with either. However, if these funds are so similar, then I guess I'm not understanding why the returns are so different. An average of 0.9...
by Munir
Mon Mar 23, 2015 11:06 pm
Forum: Investing - Help with Personal Investments
Topic: VanG Intermediate Term Bond Market Question
Replies: 20
Views: 1959

Re: VanG Intermediate Term Bond Market Question

If you are concerned about the possibility of rising interest rates, there is a signifcant difference in duration between the two funds.
by Munir
Mon Mar 23, 2015 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Mysterious Vanguard Security Code
Replies: 18
Views: 1945

Re: Mysterious Vanguard Security Code

Has anyone had their Vanguard account hacked or heard of others being hacked? How common is this hacking- if it is occurring?
by Munir
Sat Mar 21, 2015 6:43 pm
Forum: Investing - Help with Personal Investments
Topic: Target Retirement Income Fund (VTINX) As A Sole Holding
Replies: 20
Views: 2915

Re: Target Retirement Income Fund (VTINX) As A Sole Holding

You have two major concerns, each of which has a different solution, IMO. I don't believe there is a single solution that addresses both concerns. The concern about the risk of rising interest rates is mitigated by replacing a large portion of the bonds with CDs purchased directly from banks and/or...
by Munir
Sat Mar 21, 2015 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: Target Retirement Income Fund (VTINX) As A Sole Holding
Replies: 20
Views: 2915

Re: Target Retirement Income Fund (VTINX) As A Sole Holding

For follow up and closure purposes, I wanted to thank all those who participated in this discussion and let you know that after a discussion with my Vanguard rep, I ended up deciding on Life Strategy Conservative Growth (VSCGX) as my chosen fund and transferred all my existing four IRA funds to it. ...
by Munir
Thu Mar 19, 2015 3:54 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking of going with VSMGX
Replies: 25
Views: 3813

Re: Thinking of going with VSMGX

I made this comparison in this thread last week: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=160958&p=2416471 I personally think you are better off in VSMGX and not in the separate funds. Should your conclusion apply to all Life Strategy Funds- specifically the Conservative Growth ...
by Munir
Wed Mar 18, 2015 6:13 pm
Forum: Investing - Help with Personal Investments
Topic: Interest rate hike signaled
Replies: 25
Views: 2317

Re: Interest rate hike signaled

lack_ey wrote:So the interpreted signal is the opposite of the thread title? That would better explain bonds going up.


+1
by Munir
Wed Mar 18, 2015 6:11 pm
Forum: Investing - Help with Personal Investments
Topic: Interest rate hike signaled
Replies: 25
Views: 2317

Re: Interest rate hike signaled

I don't know what is and isn't possible, but please for future reference remember that bond ETFs went up when "an interest rate hike was signaled." File it as yet another reason to take all statements like "when X happens, Y tends to do Z" with a grain of salt. I assume the the ...
by Munir
Tue Mar 17, 2015 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: Target Retirement Income Fund (VTINX) As A Sole Holding
Replies: 20
Views: 2915

Re: Target Retirement Income Fund (VTINX) As A Sole Holding

Munir, I think you have a sound plan. Hopefully your investments are mostly in tax advantaged accounts where there would be no tax cost to switch over to your TR fund. Investments in the taxable account that have been held for decades could have substantial amounts of unrealized capital gains and m...
by Munir
Tue Mar 17, 2015 1:02 pm
Forum: Investing - Help with Personal Investments
Topic: Target Retirement Income Fund (VTINX) As A Sole Holding
Replies: 20
Views: 2915

Re: Target Retirement Income Fund (VTINX) As A Sole Holding

Thank you for all the thoughtful responses, especially Taylor's. A further disclosure: I am only 77 but am concerned about continuing to manage my four-fund portfolio for two reasons: 1. When I die (which could be sudden), I want to leave my spouse a one-fund portfolio to manage because she has no i...
by Munir
Tue Mar 17, 2015 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: VTINX - The Embodiment of Vanguard
Replies: 9
Views: 2074

Re: VTINX - The Embodiment of Vanguard

Congratulations on making the move. I am actively considering a similar move- see separate thread.

Will you have to sell shares of VTINX to pay your annual RMD?
by Munir
Tue Mar 17, 2015 10:38 am
Forum: Investing - Help with Personal Investments
Topic: Target Retirement Income Fund (VTINX) As A Sole Holding
Replies: 20
Views: 2915

Re: Target Retirement Income Fund (VTINX) As A Sole Holding

It is a good choice for many, if not most, octogenarians. However, for me, also in my 80s and living off of my savings (+ SS), I would not want it as a sole holding. At my age, 30% stock would be too much in a period like 2008, and I don't know when that will again be. Now, if I wasn't living off o...
by Munir
Tue Mar 17, 2015 10:11 am
Forum: Investing - Help with Personal Investments
Topic: Target Retirement Income Fund (VTINX) As A Sole Holding
Replies: 20
Views: 2915

Re: Target Retirement Income Fund (VTINX) As A Sole Holding

I think you could look at it this way. Let's take a bad scenario..... US and Foreign equities drop 50% ... the 30.4% of them you own drop the funds NAV 15.2% Let's suppose the bond funds drop 5% in NAV (roughly four 1/4 point interest raises in a short time frame). The 69.6% of bonds drop the funds...
by Munir
Tue Mar 17, 2015 9:28 am
Forum: Investing - Help with Personal Investments
Topic: Target Retirement Income Fund (VTINX) As A Sole Holding
Replies: 20
Views: 2915

Re: Target Retirement Income Fund (VTINX) As A Sole Holding

VTINX is 39.1% Total Bond, 16.7% Short Term TIPS and 13.8% International Bond in addition to 21.2% Total Stock Market and 9.2% Total International Stock Market. IMHO it is very well diversified and I would not have any issues as a sole holding in my 80's. A SPIA becomes a useful tool if the individ...
by Munir
Tue Mar 17, 2015 8:57 am
Forum: Investing - Help with Personal Investments
Topic: Target Retirement Income Fund (VTINX) As A Sole Holding
Replies: 20
Views: 2915

Target Retirement Income Fund (VTINX) As A Sole Holding

For retirees in their eighties, is the Target Retirement Income Fund (VTINX) with its 70% fixed income portfolio (mostly Total Bond Market Fund) adequate and safe enough as a sole holding and source of income IF rates rise and its NAV falls for the length of its duration of 5.2 years or longer? Or s...

Go to advanced search