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Re: Retirement planning - Too soon for TIPS?

Thanks, Jim! I'll look for the threads you mentioned. My options for purchase currently include: I Bonds in taxable A longer-duration VG TIPS fund in a tax-deferred retirement account (.07 expense ratio) Any TIPS ETF and maybe after-market bonds in ROTH IRAs Since I don't want to use ROTH space, I ...
by Noobvestor
Sat Feb 28, 2015 4:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Retirement planning - Too soon for TIPS?
Replies: 12
Views: 1151

Re: International increase in Target Retirement & LifeStrate

I couldn't agree more, Durzo. Global is the starting point - tilts are always an option, but it' is a question of strategically subtracting international, not adding it. I agree with this. I think they want to move towards global weighting, but the fact that international investing is still more exp...
by Noobvestor
Sat Feb 28, 2015 4:19 am
 
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 86
Views: 5554

Re: International increase in Target Retirement & LifeStrate

This is to me a byproduct of not having a natural or neutral exposure to international - for stocks, at least, they should simply go with global market weights, which would forever stop them from fidgeting on that front. For stocks/bonds they should pick a rule of thumb (e.g. age minus ten in bonds)...
by Noobvestor
Fri Feb 27, 2015 4:38 pm
 
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 86
Views: 5554

Re: International is disappointing

The best thing a (passive index) investor can do is cultivate the attitude that what is underperforming is 'cheap' and what is outperforming is 'expensive'. I get a positive feeling each time I contribute to the parts of my portfolio that are not doing so well. On the one hand, I feel good about buy...
by Noobvestor
Fri Feb 27, 2015 4:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: International is disappointing
Replies: 48
Views: 2589

Re: Mr. Money Mustache: Hero or Foolish?

boroc7 wrote:So MMM, you must really be having a good laugh reading this thread.


He clearly likes the attention, and drums up traffic via the controversy. I have to hand it to him: playing up neologisms that spark debate on both sides is great marketing.
by Noobvestor
Fri Feb 27, 2015 4:23 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 414
Views: 60758

Re: Retirement planning - Too soon for TIPS?

* Starting this year, I could purchase 20-30K in I Bonds, and continue that for the next 10 years. Since I Bonds can only be bought in a taxable account they are pretty much guaranteed to lose purchasing power when you eventually cash them and are taxed on the inflation gain. They sometimes have th...
by Noobvestor
Thu Feb 26, 2015 6:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Retirement planning - Too soon for TIPS?
Replies: 12
Views: 1151

Re: 401(k) Rollover/Rollout Options During Merger/Acquisitio

There might be a different answer for different situations, but my company held by VC was sold to a different VC and then my company was folded into a larger company that was held by the new VC and ceased to be a distinct company anymore. The employees of the old company were allowed to roll out th...
by Noobvestor
Thu Feb 26, 2015 5:01 am
 
Forum: Investing - Help with Personal Investments
Topic: 401(k) Rollover/Rollout Options During Merger/Acquisition?
Replies: 6
Views: 406

Re: 401(k) Rollover/Rollout Options During Merger/Acquisitio

Nobody huh? No worries - I did a bit more research and it looks like maybe it's too late even if there had been something to do (or that there may have been nothing to do in the first place).
by Noobvestor
Wed Feb 25, 2015 3:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401(k) Rollover/Rollout Options During Merger/Acquisition?
Replies: 6
Views: 406

Re: Retirement planning - Too soon for TIPS?

I'm a lot further from retirement age and am already 50/50 nominal/inflation-adjusted bonds as a target - I think it's reasonable/wise at any age. I would suggest maxing out I Bonds and filling in the rest with TIPS - I Bonds have no duration risk and are paying as well as TIPS more or less, plus th...
by Noobvestor
Wed Feb 25, 2015 3:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement planning - Too soon for TIPS?
Replies: 12
Views: 1151

Re: Mr. Money Mustache: Hero or Foolish?

I think it's great he has gotten some people to save more. I worry, though, that he has contributed to this 'financial independence' and 'early retirement' movement that seems to chronically overestimate portfolio returns and underestimate how much you really need to retire, thus causing some to *no...
by Noobvestor
Tue Feb 24, 2015 5:57 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 414
Views: 60758

401(k) Rollover/Rollout Options During Merger/Acquisition?

A relative of mine asked me if I knew anything about this - I confessed I didn't but said I would ask here on their behalf (also suggested a few other starting points). Basically they were working for a company that got bought (or merged - not entirely clear to me). They transitioned to the new comp...
by Noobvestor
Tue Feb 24, 2015 4:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401(k) Rollover/Rollout Options During Merger/Acquisition?
Replies: 6
Views: 406

Re: John Bogle on International Investing

The view seems to be that global investing provides better diversification, since you have a stake around the world across various foreign markets. From this view, being invested solely in the US is riskier. I think what's hidden in this argument is the notion that the US economy has grown to the p...
by Noobvestor
Mon Feb 23, 2015 4:53 pm
 
Forum: Investing - Theory, News & General
Topic: John Bogle on International Investing
Replies: 184
Views: 14573

Re: John Bogle on International Investing

I find these threads funny in that the US only side says basically, the US should do well enough and there are risks and complications in international they don't want, but to each their own and it probably won't do bad or good to hold international.... Then there's the international/total diversit...
by Noobvestor
Sun Feb 22, 2015 3:21 pm
 
Forum: Investing - Theory, News & General
Topic: John Bogle on International Investing
Replies: 184
Views: 14573

Re: Vguard tax exempt bond fund

Quick question, living in Alaska with no state income tax and have extra savings $$$ soon after paying off student loans. Was thinking through putting some money into VWAHX (or other federally exempt bond fund) as a way to generate a small return with reduced volatility and tax burden of most equit...
by Noobvestor
Sun Feb 22, 2015 4:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Vguard tax exempt bond fund
Replies: 3
Views: 716

Re: John Bogle on International Investing

Bernstein and RobertT both point out the benefits of currency diversification, the cost difference is the same as between a stock and a bond fund at Vanguard, and unless we're in the business of saying some countries offer a free lunch there's no reason to bank on the US over other nations. That's a...
by Noobvestor
Sun Feb 22, 2015 4:39 am
 
Forum: Investing - Theory, News & General
Topic: John Bogle on International Investing
Replies: 184
Views: 14573

Re: John Bogle on International Investing

The media and this board give Bogle guff for it every time he discusses his view on international. When Bogle changed his view a bit on the things like the "Total Bond" fund, he has been willing to talk about it, despite the criticisms from the peanut gallery. Trying to argue that Buffett...
by Noobvestor
Fri Feb 20, 2015 11:15 pm
 
Forum: Investing - Theory, News & General
Topic: John Bogle on International Investing
Replies: 184
Views: 14573

Re: John Bogle on International Investing

You make it sound like Bogle and Buffett are frozen in time, incapable of seeing how 'enlightened' it is to be a global investor. Bull. I'm saying we all have personal preferences, biases and baggage we bring to the table, and that it's only human to feel attached to a fund or strategy that has bee...
by Noobvestor
Fri Feb 20, 2015 2:04 pm
 
Forum: Investing - Theory, News & General
Topic: John Bogle on International Investing
Replies: 184
Views: 14573

Re: The challenges of staying the course...

My portfolio is 60/40 stocks bonds, 25% of stocks are small cap, 50% of stock are international, and my portfolio returned around 5.5% or so last year. Sorry but I just don't see any easy way that international and small value could drag a 60/40 portfolio down to 2.5% last year.
by Noobvestor
Thu Feb 19, 2015 5:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: The challenges of staying the course...
Replies: 66
Views: 5181

Re: How often do you purchase EE bonds?

I buy the same month each year (January) for simplicity down the line (and now).
by Noobvestor
Thu Feb 19, 2015 3:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: How often do you purchase EE bonds?
Replies: 8
Views: 779

Re: John Bogle on International Investing

Bogle and Buffett are part of the post WW2 generation of Americans and as Buffett acknowledges being born American was the making of him. Double digit returns in the post war period made it hard for any other country to measure up so over that time period foreign diversification definitely reduced ...
by Noobvestor
Thu Feb 19, 2015 3:49 pm
 
Forum: Investing - Theory, News & General
Topic: John Bogle on International Investing
Replies: 184
Views: 14573

Re: John Bogle on International Investing

Here's an old Dr.Bernstein article from 1998, http://www.efficientfrontier.com/ef/499/death.htm He criticizes an article written by Roger Lowenstein who was also dismissive of the need for international investing. I'm basicly in the same boat with Dr.Bernstein where he says: " There is in fact...
by Noobvestor
Wed Feb 18, 2015 9:42 pm
 
Forum: Investing - Theory, News & General
Topic: John Bogle on International Investing
Replies: 184
Views: 14573

Re: John Bogle on International Investing

As much as we Bogleheads like to think we are more rational than the average investor, I think threads like this are proof that even we fall victim to recency bias. The only reason the topic of international vs. domestic has come up so often lately is because US markets have done so well relative t...
by Noobvestor
Wed Feb 18, 2015 1:30 am
 
Forum: Investing - Theory, News & General
Topic: John Bogle on International Investing
Replies: 184
Views: 14573

Re: John Bogle on International Investing

Well, one solution is to tilt toward less-correlated international markets, specifically developing markets. But if things only become more correlated regardless, we're back to the one-of-three-outcomes scenario, specifically the one in which it is largely a wash - in that case, there isn't really m...
by Noobvestor
Wed Feb 18, 2015 1:28 am
 
Forum: Investing - Theory, News & General
Topic: John Bogle on International Investing
Replies: 184
Views: 14573

Re: Is it worth it to buy a condo vs a house.

Bustoff wrote:Just curious if storage space ever becomes an issue with no garage or basement?


My unit came with a basement storage unit that is (IIRC) something like 10 feet long by 6 feet wide by 10 feet high. I also (separately) have an underground parking spot.
by Noobvestor
Tue Feb 17, 2015 2:48 pm
 
Forum: Personal Consumer Issues
Topic: Is it worth it to buy a condo vs a house.
Replies: 41
Views: 4954

Re: John Bogle on International Investing

It gets applied all the time. People choose bonds over stocks when they're not willing to accept the risks inherent in the unpredictable returns of stocks. Nobody here is claiming that they know for certain that stocks will earn more or less than bonds, but most people are willing to acknowledge th...
by Noobvestor
Tue Feb 17, 2015 2:21 pm
 
Forum: Investing - Theory, News & General
Topic: John Bogle on International Investing
Replies: 184
Views: 14573

Re: John Bogle on International Investing

As much as we Bogleheads like to think we are more rational than the average investor, I think threads like this are proof that even we fall victim to recency bias. The only reason the topic of international vs. domestic has come up so often lately is because US markets have done so well relative t...
by Noobvestor
Tue Feb 17, 2015 2:08 pm
 
Forum: Investing - Theory, News & General
Topic: John Bogle on International Investing
Replies: 184
Views: 14573

Re: How to Invest $250,000 now?

I guess my opinion will not be popular here. Looking at CAPE or any other types of valuation method, the US market is very overvalued. There are other markets (emerging, Asia etc) are not as much overvalued might perform better in the next 20 years. I know you can't time the market well. But there ...
by Noobvestor
Tue Feb 17, 2015 3:52 am
 
Forum: Investing - Help with Personal Investments
Topic: How to Invest $250,000 now?
Replies: 10
Views: 1549

Re: Mr. Money Mustache: Hero or Foolish?

Yeah, the thing is, love him or hate him, MMM is very successful at riling people up and thus grabbing attention - it's a very winning business model, but makes me extremely skeptical of the underlying advice being given (not to mention the motives behind it).
by Noobvestor
Tue Feb 17, 2015 1:23 am
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 414
Views: 60758

Re: Is it worth it to buy a condo vs a house.

A good mix of condo experiences have been shared here. What I love about my condo is the ability to leave it for months on end - no need to shovel snow, have neighbors pick up the mail and so forth. For me, that's worth paying a premium for. For others, the annoyance of having closer neighbors, etc....
by Noobvestor
Tue Feb 17, 2015 1:22 am
 
Forum: Personal Consumer Issues
Topic: Is it worth it to buy a condo vs a house.
Replies: 41
Views: 4954

Re: just starting my roth IRA: which funds to choose?

Thank you so much for all the warm-hearted replies. It is really great that so many nice people giving me suggestions. Yes, I agree I can leave the money in the money market for now, and spend some time reading and learning. And thank you for the links in some replies. I am glad I have found a good...
by Noobvestor
Tue Feb 17, 2015 1:19 am
 
Forum: Investing - Help with Personal Investments
Topic: just starting my roth IRA: which funds to choose?
Replies: 12
Views: 788

Re: John Bogle on International Investing

I still love that you used the subprime mortgage crisis - which was an epic failure of US regulations - to try and create an analogy about how the US is better and safer. Not a great example to illustrate your point. The US doesn't get a pass, but the excesses of the real estate market and egregiou...
by Noobvestor
Tue Feb 17, 2015 12:35 am
 
Forum: Investing - Theory, News & General
Topic: John Bogle on International Investing
Replies: 184
Views: 14573

Re: John Bogle on International Investing

Being US only has worked over the last 4 decades, I believe. If I had to guess -- and it's anybody's guess -- it would be that being US only vs. globally diversified with be a wash going forward. No clear advantage for being US-centric, but not a clear loser either. I think global investing starts ...
by Noobvestor
Sun Feb 15, 2015 2:27 pm
 
Forum: Investing - Theory, News & General
Topic: John Bogle on International Investing
Replies: 184
Views: 14573

Re: John Bogle on International Investing

They say diversification is the only free lunch - that's a big part of being a Boglehead - you're saying being less diversified is a free lunch. I just don't get it. This board really needs an 'up vote' function. +1, Noobvestor! Thanks, Index Fan - appreciate it! :sharebeer Noob - not claiming a fr...
by Noobvestor
Sat Feb 14, 2015 3:49 pm
 
Forum: Investing - Theory, News & General
Topic: John Bogle on International Investing
Replies: 184
Views: 14573

Re: Vanguard's Recommended Portfolio

Considering retirement is 10 years ago, I am surprised a higher allocation to bonds was not recommended. With 30% in bonds, one bond fund would work. Vanguard typically recommends a total market approach to investing. Scrolled through responses to discover and say the same thing - 10 years from ret...
by Noobvestor
Thu Feb 12, 2015 2:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard's Recommended Portfolio
Replies: 36
Views: 5986

Re: Mr. Money Mustache: Hero or Foolish?

Neither hero nor foolish - he is clever but dangerous, twisting the meaning of words like 'retirement' as well as the story of his own past to make his lifestyle seem more easily obtainable than it really is. Lots more I could say on the subject but I'll leave it at that.
by Noobvestor
Thu Feb 12, 2015 1:57 am
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 414
Views: 60758

Re: How To Decide Which Asset Class To Sell?

I'm in the situation of: retirement accounts full of bonds, stock accounts in taxable. My own approach is to rebalance using dividends and allow for a bit of drift. If things get really out of whack, you can always sell some bonds in tax-advantaged, buy stocks there, and buy tax-exempt bonds in taxa...
by Noobvestor
Thu Feb 12, 2015 1:55 am
 
Forum: Investing - Theory, News & General
Topic: How To Decide Which Asset Class To Sell?
Replies: 5
Views: 416

Re: John Bogle on International Investing

My simple answer to this is that you are adding geographical, political and economic risk diversification . You are adding additional risks, I agree with that. But you imply that this is a good idea because now you have a palette of geographic, and political-economic risks. If the US heads south, t...
by Noobvestor
Wed Feb 11, 2015 3:40 pm
 
Forum: Investing - Theory, News & General
Topic: John Bogle on International Investing
Replies: 184
Views: 14573

Re: John Bogle on International Investing

The notion of "diversification" is a bit ambiguous, and that's always part of the problem when discussing it. In one sense, "diversification" is like motherhood; it's good and warm and fuzzy. Who doesn't like diversification? It is an idea with no enemies. But what are the under...
by Noobvestor
Wed Feb 11, 2015 12:52 pm
 
Forum: Investing - Theory, News & General
Topic: John Bogle on International Investing
Replies: 184
Views: 14573

Re: John Bogle on International Investing

I don't care for the "U.S. exceptionalism" title or the nationalisitc/patriotic notions that might be implied by that being the argument, although I don't think that's necessarily bad either... But would anyone really argue that the U.S. markets aren't exceptional? With the massive liquid...
by Noobvestor
Wed Feb 11, 2015 12:46 pm
 
Forum: Investing - Theory, News & General
Topic: John Bogle on International Investing
Replies: 184
Views: 14573

Re: John Bogle on International Investing

Noob - since you put it that way, I guess you're right except for the matter of currency risk which is a factor regardless of your home country. You seem to be making the case that spreading your money around globally is safer than just investing at home, because nobody knows the future and we need...
by Noobvestor
Tue Feb 10, 2015 8:16 pm
 
Forum: Investing - Theory, News & General
Topic: John Bogle on International Investing
Replies: 184
Views: 14573

Re: John Bogle on International Investing

As far as I can tell, the purported benefits of International repeatedly fail the quantitative risk measurements that are so often used by those selling it. They also look worse by most qualitative standards, the funds have legal disclosure statements regarding the various additional risks one assu...
by Noobvestor
Tue Feb 10, 2015 5:52 pm
 
Forum: Investing - Theory, News & General
Topic: John Bogle on International Investing
Replies: 184
Views: 14573

Re: shall I transfer roth IRA from fedility to Vanguard?

The Fidelity Spartan series should have everything you need. I actually have my Roth IRA there as an accident of history and am completely fine with it - I even like the idea a bit that I have some diversification in terms of where my money is held.
by Noobvestor
Tue Feb 10, 2015 4:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: just starting my roth IRA: which funds to choose?
Replies: 12
Views: 788

Re: John Bogle on International Investing

Noob - I think the argument in favor of global investing always comes down to the one you presented. Essentially, "since we can't show that it hurts" then we should do it because, well, it improves diversification right? And more diversification is always a good thing. Let's ignore for th...
by Noobvestor
Tue Feb 10, 2015 4:25 pm
 
Forum: Investing - Theory, News & General
Topic: John Bogle on International Investing
Replies: 184
Views: 14573

Re: John Bogle on International Investing

As compelling as the case might be for global diversification, it's very difficult to "prove" with historical data that global diversification has helped US investors . Since the data are not compelling, we're left with opinions and one person's is as good as another's on this topic so we...
by Noobvestor
Tue Feb 10, 2015 3:58 am
 
Forum: Investing - Theory, News & General
Topic: John Bogle on International Investing
Replies: 184
Views: 14573

Re: Multiple Account Breakdown for Early Retirement?

What would be the best realistic account breakdown for someone who had a tax-deferred account, a Roth, and a taxable account and wanted to retire early? I'm thinking maybe 50% in taxable (to be used to fund the early retirement with leftover carried on to regular retirement), 25% in Roth, and 25% i...
by Noobvestor
Mon Feb 09, 2015 4:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Multiple Account Breakdown for Early Retirement?
Replies: 8
Views: 961

Re: John Bogle on International Investing

To me, the question is "where did the 'everyone needs international stocks' meme come from, who is promoting it, and why?" International got cheaper and more accessible. It is analogous to going to Total Stock over S&P 500, maybe, except in the case of that example the S&P covers ...
by Noobvestor
Mon Feb 09, 2015 3:47 am
 
Forum: Investing - Theory, News & General
Topic: John Bogle on International Investing
Replies: 184
Views: 14573

Re: Is it worth it to buy a condo vs a house.

I love living in a condo, but if you don't love living in a condo, save up and buy a house instead - no sense buying something you don't want to keep.
by Noobvestor
Fri Feb 06, 2015 7:58 pm
 
Forum: Personal Consumer Issues
Topic: Is it worth it to buy a condo vs a house.
Replies: 41
Views: 4954

Re: Are TIPS the ultimate inflation hedge?

IIRC Britain and perhaps other places have longer histories with inflation-linked bonds - can't we use such examples to extrapolate likely TIPS behaviors in the US?
by Noobvestor
Thu Feb 05, 2015 6:19 am
 
Forum: Investing - Theory, News & General
Topic: Are TIPS the ultimate inflation hedge?
Replies: 27
Views: 2014

Re: Mr. Bogle on CNBC today--International and Bonds

From a strictly lay person's perspective, broad acceptance of index investing is a fairly new phenomenon. When I first got into investing in the stock market (late '90s), most people I knew used either actively managed mutual funds or purchased stocks directly. Having a collection of 20 or so diffe...
by Noobvestor
Sun Feb 01, 2015 6:19 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Bogle on CNBC today--International and Bonds
Replies: 50
Views: 6403

Re: Mr. Bogle on CNBC today--International and Bonds

I think the bottom line is... do you believe that currency diversification adds any benefit if you spend your whole life in one country where goods are bought/sold by only the US dollar? Jack's position is it does not. 2014's international performance (in US dollars) seems to support his argument. ...
by Noobvestor
Fri Jan 30, 2015 7:51 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Bogle on CNBC today--International and Bonds
Replies: 50
Views: 6403
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