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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: 22
Views: 3197

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: 66
Views: 3507

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: 66
Views: 3507

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: 1576

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: 1576

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: 1576

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: 2910

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: 10645

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: 3261

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: 6221

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: 3010

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: 4076

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: 5911

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: 19738

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: 979

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: 798

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: 979

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: 2777

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: 1264

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: 607

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: 607

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: 9931

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: 471
Views: 55091

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: 442
Views: 57134

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: 221389

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: 81
Views: 18108

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: 1815

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: 1106

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: 9207

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: 8744

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: 10326

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: 2590

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: 2590

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: 2569

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: 2569

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: 2291

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: 12321

Re: Poll: What is your Bond Allocation %?

Kalo wrote:Also am in Total S/T Bond Index instead of Intermediate.

Kalo


What is "Total S/T Bond Index?"
by Munir
Sat Nov 08, 2014 1:23 am
 
Forum: Investing - Theory, News & General
Topic: Poll: What is your Bond Allocation %?
Replies: 93
Views: 12321

Re: Intermediate Grade Corp vs Intermed Grade Investment?

0) Please try to post fund names more clearly. For the record, the ticker symbols are VICSX and VFIDX respectively, Admiral Shares. 1) The Corp fund is a bit longer duration and a bit lower credit risk, that's why it pays more. The extra yield doesn't come for free. 2) I haven't checked on sector c...
by Munir
Thu Nov 06, 2014 10:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Intermediate Grade Corp vs Intermed Grade Investment?
Replies: 12
Views: 919

Re: Intermediate Grade Corp vs Intermed Grade Investment?

The Corp fund yield is somewhat higher and is investment grade but is concentrated in financials and industrials. So the higher yield results from the greater risk due to concentration? Any comments on which may be a better choice right now? Hi EdwardL007, Any good short term or intermediate term b...
by Munir
Thu Nov 06, 2014 10:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Intermediate Grade Corp vs Intermed Grade Investment?
Replies: 12
Views: 919

Re: Intermediate Grade Corp vs Intermed Grade Investment?

AlanSteven wrote:I like the intermediate term investment grade since the duration is 5.3 years vs 6.5 for the Corporate bond fund. Given interest rates will eventually go up, you will have somewhat less of a decline in NAV with the shorter duration.

Alansteven


+1
by Munir
Thu Nov 06, 2014 10:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Intermediate Grade Corp vs Intermed Grade Investment?
Replies: 12
Views: 919

Re: Anyone consider retiring to Vancouver, Washington?

To live in Vancouver, WA, and purchase goods in Oregon is a tax avoidance scheme and not ethical in my opinion because it means I'm unloading my tax share onto someone else. If both states had the exact same sales tax rate, and you choose to make a purchase in Oregon, while living in Washington, I ...
by Munir
Sat Nov 01, 2014 6:12 pm
 
Forum: Personal Consumer Issues
Topic: Anyone consider retiring to Vancouver, Washington?
Replies: 45
Views: 4679

Re: Anyone consider retiring to Vancouver, Washington?

If I was going to live in that area I would pick Portland over Vancouver simply because I don't want to get out of the car and pump my own gas when it's raining out. :D +1. As for taxes, I do not believe in an exclusive sales tax sytem and neither in an exclusive income tax. A balanced combination ...
by Munir
Sat Nov 01, 2014 12:50 pm
 
Forum: Personal Consumer Issues
Topic: Anyone consider retiring to Vancouver, Washington?
Replies: 45
Views: 4679

Re: 401K changing Pimco Tot Ret to VG Int Term Bond Index. O

Great fund with a good balance between corporates and US government instruments. The only possible slight disadvantage is its longer duration of 6.5 years vs. 5.6 for Total Bond Market and 5.3 for the Intermediate Investment Grade. A combination of the latter two (not available in your plan) could g...
by Munir
Thu Oct 30, 2014 7:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K changing Pimco Tot Ret to VG Int Term Bond Index. OK?
Replies: 17
Views: 1326

Re: The safest 4 door sedan out there

Why not a Hummer? Or just get a tank- THAT has to be the safest. :happy
by Munir
Thu Oct 30, 2014 10:31 am
 
Forum: Personal Consumer Issues
Topic: The safest 4 door sedan out there
Replies: 74
Views: 4734

Re: Total bond market vs. Total international bond market /

1) We don't use the international bond fund, I think it adds unnecessary complexity and extra expense, with little or no readily apparent benefit. 2) I don't understand your second question. On the Bogleheads' wiki look at "principles of tax-efficient fund placement". 3) He has suggested ...
by Munir
Mon Oct 27, 2014 10:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Total bond market vs. Total international bond market / IRA
Replies: 7
Views: 646

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

My question/comment was in error, so I deleted it. Billy had more than one entry in the conversation and I missed that.
by Munir
Sat Oct 25, 2014 2:26 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: THANK YOU!!! Bogleheads Conference #13 (2014)
Replies: 73
Views: 8744

Re: Thank You!!! Bogleheads Conference #13 (2014)

I retitled the thread... I'm back home and want to say I had a blast. It was great meeting everyone. I've contacted the appropriate people and expect to get copies of the slide packages for posting in the wiki. Give everyone a few days to get organized. Lady Geek, Can you remind those of us who wer...
by Munir
Fri Oct 24, 2014 8:32 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: THANK YOU!!! Bogleheads Conference #13 (2014)
Replies: 73
Views: 8744

Re: Meaning of Important note included in Medicare part D pl

My views on mail order pharmacies are for longterm medications used for chronic problems. Anything that is dependent on temperature control ( don't know any in that category) would be a special case. I take a common generic BP medication. It comes in a factory sealed 90 count package. The factory l...
by Munir
Fri Oct 17, 2014 10:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Meaning of Important note included in Medicare part D plan ?
Replies: 28
Views: 2244
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