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Re: Vanguard's economic and investment outlook [2015]

Given the predicted low inflation environment (with deflationary pressures rising in Europe) over the next decade or so, how do folks feel about EE-bonds as a 20 year investment guaranteeing a 3.53% annualized return? It depends on whether or not you want to have that bond mature in 20 years. For m...
by RyeWhiskey
Sat Dec 20, 2014 12:27 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard's economic and investment outlook [2015]
Replies: 21
Views: 2875

Re: Most/Least Boglehead 2014 Activity?

Least: Bought some individual stocks with a tiny, tiny, amount of money. Read financial headlines. Paid attention to the noise regarding these individual stocks. Most: Saved ~40% of my meager income. Will have maxed my Roth for yet another year and this year I managed to save enough to start a taxab...
by RyeWhiskey
Sat Dec 20, 2014 12:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Most/Least Boglehead 2014 Activity?
Replies: 83
Views: 7492

Re: Active or Not, I Love Wellington

Wellington, and Wellesley for that matter, are terrific funds and excellent single choices for people who have limited options or desire the idea of having a manager try their best on their behalf. Bogleheads probably won't end up under either of these rubrics but it doesn't mean there isn't a place...
by RyeWhiskey
Sat Dec 20, 2014 12:14 pm
 
Forum: Investing - Theory, News & General
Topic: Active or Not, I Love Wellington
Replies: 82
Views: 8472

Re: handling large market drops

Since I'm investing for the long term I like to keep my money in the market as much as possible rather than have cash sitting around waiting (who knows how long you'll have to wait?). This said, I have recently decided to invest a set amount for each 5% drop in the market (the total world market, th...
by RyeWhiskey
Sat Dec 20, 2014 12:03 pm
 
Forum: Investing - Theory, News & General
Topic: handling large market drops
Replies: 17
Views: 1554

Re: Would you invest $2500 or ?

Nope. If his skills are in demand, as you claim, then he can find work without the 'tools.' Now, if he's working for six months and clean then yes, I'd buy him some tools assuming that I can afford it but he needs to demonstrate that a) he's clean (which he's done), and b) he's working. If both thes...
by RyeWhiskey
Tue Dec 16, 2014 1:35 pm
 
Forum: Personal Consumer Issues
Topic: Would you invest $2500 or ?
Replies: 21
Views: 1646

Re: Why Vanguard Total Stock Market isn’t the best fund

You're absolutely right that it is not the best fund. The best fund is the Vanguard Total World Market Index, which is vastly more diversified. :beer
by RyeWhiskey
Thu Dec 11, 2014 1:20 pm
 
Forum: Investing - Theory, News & General
Topic: 10 Reasons why Merriman dislikes Total Stock Mkt
Replies: 155
Views: 18673

Re: Bogle Advises Investing No More Than 20% Outside U.S.

Since I only hold one equity fund, the Total World Stock Index, my current allocation to international is... 47.87%. :wink:
by RyeWhiskey
Sun Dec 07, 2014 4:34 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle Advises Investing No More Than 20% Outside U.S.
Replies: 106
Views: 11536

Re: Start saving for House downpayment using Wellesley?

There are two camps to the emergency fund / short-mid term savings debate: - Keep necessary funds in 'safe' investments (bank accounts, CDs, I-Bonds, short term treasuries). - Invest these funds in a mixed-allocation fund but "overfund" the account to cope with potential losses. With this ...
by RyeWhiskey
Sun Dec 07, 2014 4:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Start saving for House downpayment using Wellesley?
Replies: 35
Views: 3089

Re: Vanguard Turbo Tax prices anounced

I'm planning on doing my taxes by hand in 2015 thanks to a BH post from some time back in which a member commented on how much you learn about your money when you do your taxes by hand. This said, I'll tell my girlfriend about the discounted price and Taxact as well. :beer
by RyeWhiskey
Sat Dec 06, 2014 2:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Turbo Tax prices anounced
Replies: 57
Views: 7778

Re: Vanguard Extended Market vs Vanguard Small Cap

Indeed, what matters most is your commitment to holding either fund for the long term. Is there a particular reason why you want to hold the S&P & extended market as opposed to the Total Market Index? And in the same vein, is there a particular reason why you want to slice and dice rather th...
by RyeWhiskey
Sat Dec 06, 2014 2:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Extended Market vs Vanguard Small Cap
Replies: 12
Views: 897

Re: Oil / Energy ETFs

Many energy and oil ETFs are down significantly. What are the arguments against buying an oil ETF now, on the premise that it's currently cheap? The answer is the same as it ever was: if you're speculating (on oil prices, valuations, whatever) then sure, buy away. But only do so with money that you...
by RyeWhiskey
Sat Nov 29, 2014 7:07 pm
 
Forum: Investing - Theory, News & General
Topic: Oil / Energy ETFs
Replies: 54
Views: 3718

Re: Rebalancing quarterly beats yearly, monthly, or never

The take away from the whole rebalancing dilemma is quite simple: do whatever is simplest and makes the most sense to you and stick with it. :sharebeer
by RyeWhiskey
Tue Nov 11, 2014 12:17 pm
 
Forum: Investing - Theory, News & General
Topic: Rebalancing quarterly beats yearly, monthly, or never
Replies: 11
Views: 1152

Re: Savings rate of -2% for those under 35 - WSJ

I'm 28 and just recently started grad school so I took out 20.5k in loans. I had previously paid off all my undergrad debt about four years back. At the moment, I save approximately 50% of my income which varies greatly from month to month (I work as a waiter). This said, none of my friends and coll...
by RyeWhiskey
Tue Nov 11, 2014 12:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savings rate of -2% for those under 35 - WSJ
Replies: 69
Views: 4813

Re: Thinking about buying an individual stock NSC

Obviously you should purchase the single stock to get the certificate and hang it on your wall or whatever. This goes without saying. Just buy it and be done. It's not an investment here, it's a collectible and has sentimental value. As for the the other questions regarding 5% of your allocation, th...
by RyeWhiskey
Sat Nov 08, 2014 1:18 pm
 
Forum: Investing - Theory, News & General
Topic: Thinking about buying an individual stock NSC
Replies: 56
Views: 4829

Re: Asset Allocation by Roger Gibson

This looks like a pretty straightforward argument for the Permanent Portfolio, although perhaps a bit more diverse. :beer
by RyeWhiskey
Tue Oct 28, 2014 3:42 pm
 
Forum: Investing - Theory, News & General
Topic: Asset Allocation by Roger Gibson
Replies: 21
Views: 2982

Re: First Attempt at Posting my Portfolio for review

You have received good answers and advice regarding your questions. I'm just going to take a quick shot at simplifying your account situation. TAXABLES 12.1% Ally Bank On-line Savings @.87% 1.7% Savings Account 10.7% Amgen stock that is mostly gains 2.8% Disney stock that is mostly gains 4.9% T.Rowe...
by RyeWhiskey
Mon Oct 27, 2014 4:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: First Attempt at Posting my Portfolio for review
Replies: 17
Views: 2424

Re: Vanguard Balanced Index vs. Vanguard Lifestrategy Modera

50 years is far too long to hold 40% in bonds. 100% Total World Stock Index and forget it. Then, perhaps in 30 years, you can start buying into what hopefully will exist then: a Total World Bond Fund, and use new contributions to bring your allocation into a desired balance.
by RyeWhiskey
Sun Oct 19, 2014 2:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Balanced Index vs. Vanguard Lifestrategy Moderate
Replies: 17
Views: 2462

Re: Bogleheads.org android / iphone app

Wouldn't an easier option simply be to make the site work with Tapatalk?
by RyeWhiskey
Tue Sep 23, 2014 11:53 pm
 
Forum: Forum Issues and Administration
Topic: Bogleheads.org android / iphone app
Replies: 23
Views: 2694

Re: Which house to buy?

The better decision is the one you clearly like more and will have more emotional interest in maintaining, enjoying, and supporting. House B seems to be the option. :beer
by RyeWhiskey
Tue Sep 23, 2014 11:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which house to buy?
Replies: 16
Views: 1444

Re: After Roth IRA : Next Step In Investing

Do you have a high deductible medical plan? If so, an HSA is definitely what you're looking for as far as additional tax shelters. Look it up in the wiki here. Otherwise, I'd open a taxable account at Vanguard and buy only the Total World Market Index (VTWSX/VT). Move the funds within the Roth to th...
by RyeWhiskey
Tue Sep 16, 2014 12:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: After Roth IRA : Next Step In Investing
Replies: 7
Views: 444

Re: How well do you understand retirement finance?

Voted some idea about IRA/401k. I don't know very much about SS at all but, then again, I'm 28. I think it would be interesting to have this poll, assuming it is well attended, coupled with an age poll as I imagine folks 50+ would have a much better understanding of SS then myself. :beer
by RyeWhiskey
Thu Sep 11, 2014 10:57 am
 
Forum: Personal Finance (Not Investing)
Topic: How well do you understand SS and tax-deferral issues?
Replies: 16
Views: 870

Re: Low Income Investor (Tax Concerns)

Thanks again, everyone. From what I have gathered in reading the replies, I need to a) consider starting with a Roth IRA right now, and 2) look at the S&P 500 vs. Total Stock Market index. I am pretty much sold now on starting with the Roth IRA, especially knowing that I can go up to Admiral Sh...
by RyeWhiskey
Thu Sep 11, 2014 10:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Low Income Investor (Tax Concerns)
Replies: 31
Views: 1969

Re: Please Help: I am eligible to participate in my first 40

^ What was just said is correct. Read it again. :sharebeer
by RyeWhiskey
Sat Sep 06, 2014 5:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please Help: I am eligible to participate in my first 401K.
Replies: 16
Views: 1642

Re: Putting it all in VAIPX?

How safe is VAIPX in regard to interest rate risks? Vanguard Inflation-Protected Securities Admiral Shares (VAIPX) has a duration of 7.92 years. This means that for every 1% rise in interest rates it will lose approximately 8% of its NAV (net asset value). So, to answer your question, it is quite s...
by RyeWhiskey
Sat Sep 06, 2014 5:21 pm
 
Forum: Investing - Theory, News & General
Topic: Putting it all in VAIPX?
Replies: 6
Views: 632

Re: Best broker to build 3-fund portfolio?

I've been lurking on this site for a little while, and have learned a lot, thank-you all who contribute. I currently have a solid Roth 401k through my employer, but I also want the ability to handle *some* of my own investments completely separate going forward. I will center my portfolio around th...
by RyeWhiskey
Sun Aug 31, 2014 10:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best broker to build 3-fund portfolio?
Replies: 16
Views: 1847

Re: Property or stock?

I'm 28 and I'd do:
15k to pay off the loans
5.5k in the Roth
10k for an emergency fund
= 19.5k remaining.

This leaves you debt free and with a suitable emergency fund. Invest the 19.5k as a starter fund for a down payment at a later point. :beer
by RyeWhiskey
Sun Aug 31, 2014 10:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Property or stock?
Replies: 24
Views: 2424

Re: Why is my 401k and taxable considered "One Portfolio"?

Theoretical question: Each account has different investment goals (retirement vs. 15yr wealth accumulation).... Shouldn't they thus have different AA's? Practical question: My 401k and taxable has equal balances ($200k each). If I truly follow Boglehead principles, and want 30% international exposu...
by RyeWhiskey
Sat Aug 30, 2014 12:36 pm
 
Forum: Investing - Theory, News & General
Topic: Why is my 401k and taxable considered "One Portfolio"?
Replies: 37
Views: 3115

Re: When to invest in China?

TISM has 3.9% China holdings. TWSM has 2% China holdings. If you want to speculate on Chinese businesses, do so, but only with less than 5% of your total portfolio and with money you can afford to lose. For the rest, accept that as Chinese businesses are successful and occupy more of the market cap ...
by RyeWhiskey
Sat Aug 30, 2014 12:26 pm
 
Forum: Investing - Theory, News & General
Topic: When to invest in China?
Replies: 51
Views: 3137

Re: Why do we tip restaurant servers?

I work as a server in fine dining for a living. 95% of my income comes from tips. In fact, some weeks I get a paycheck of $0.00 as the taxes on my tips are taken out of my wages reducing them to zero. In short, you tip your server because the system (for good or bad) is set up in such a manner that ...
by RyeWhiskey
Fri Aug 22, 2014 4:02 pm
 
Forum: Personal Consumer Issues
Topic: Why do we tip restaurant servers?
Replies: 44
Views: 2427

Re: A question about Sherry

Sherry, like port, is a fortified wine. Regular wine ought not be exposed to oxygen until one is ready to consume it and then it ought be exposed for anywhere from 5 minutes to 3 hours depending upon the wine. Many sherries, on the other hand, are already partly oxidized and hence they do not 'suffe...
by RyeWhiskey
Fri Aug 22, 2014 3:58 pm
 
Forum: Personal Consumer Issues
Topic: A question about Sherry
Replies: 13
Views: 1324

Re: To be truly rich, take stock of your life before investi

It seems that to say you want to be "rich" is viewed as a negative thing. I mentioned investing as a way to gain wealth on a popular vacation spot and somehow in the minds of others, it translating into me being some money hungry, possession craving person who neglects their family in the...
by RyeWhiskey
Wed Aug 20, 2014 11:57 am
 
Forum: Investing - Theory, News & General
Topic: To be truly rich, take stock of your life before investing
Replies: 30
Views: 4677

Re: New iShares Global REIT ETF

VEET: 238 holdings; 62% US, the rest in UK, Australia, Japan, Canada, France, and a couple others. On the other hand Vanguard's REIT Index has 138 holdings, and their Ex-US REIT Index has 532 holdings with a much larger percentage of emerging markets. I think REET would make a good choice for many p...
by RyeWhiskey
Mon Aug 18, 2014 7:25 pm
 
Forum: Investing - Theory, News & General
Topic: New iShares Global REIT ETF
Replies: 5
Views: 646

Re: Safety of Finance Apps

Consider this important difference between apps like PersonalFinance and apps like SigFig. The former allow you to actually move money in the app (liability) while the latter do not - they are 'view only' apps. I use the latter for this simple reason. :beer
by RyeWhiskey
Mon Aug 18, 2014 7:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Safety of Finance Apps
Replies: 13
Views: 795

Re: What was Underestimated\Overestimated in Retirement

My parents retired about 5 years ago. In the past year I was able to get them on a budget, establish an EF, and get their assets transferred to Vanguard. Now that they have a budget they are astonished at the amount they spend dining out. With me long since out of the home and with both of them in a...
by RyeWhiskey
Sun Aug 17, 2014 3:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: What was Underestimated\Overestimated in Retirement
Replies: 48
Views: 5019

Re: Moving Average Backtest destroys Buy/Hold. Try for yours

Given that the market is a zero-sum game, shouldn't we be applauding posts like the OP's? :beer
by RyeWhiskey
Sat Aug 09, 2014 7:35 pm
 
Forum: Investing - Theory, News & General
Topic: Moving Average Backtest destroys Buy/Hold. Try for yourself.
Replies: 59
Views: 4841

Re: 3.3% Vanguard 10 year CD

Also some contradiction I am comfortable with taking the inflation risk if my yield is above average. No contradiction at all, let me extrapolate my statement, I am comfortable taking the inflation risk if the yield of my CD is at or above average inflation. Otherwards if the yield is 3% or higher ...
by RyeWhiskey
Sat Aug 09, 2014 7:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: 3.3% Vanguard 10 year CD
Replies: 99
Views: 10648

Re: Questions from a novice

- The University offers a ORP (Optional Retirement Program) through TIAA-CREF and Fidelity. Under this program, employee contributions are 6% of salary taken on a before-tax basis, and employer contributions are 6.84%. My understanding is that I cannot contribute more than 6.84% to this fund. Am I ...
by RyeWhiskey
Fri Aug 08, 2014 2:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Questions from a novice
Replies: 17
Views: 1003

Re: average American eats out 203 times per year

I'm 28, male, and single I am WAAAAAY over 203 times per year. Definitely at least once per day, sometimes twice. My food budget is at like $800/month I have the opposite situation. I'm 28, male, and in a wonderful committed relationship whereby we both are far too poor to eat out daily. I try to e...
by RyeWhiskey
Fri Aug 08, 2014 1:46 pm
 
Forum: Personal Consumer Issues
Topic: average American eats out 203 times per year
Replies: 105
Views: 6962

Re: A few days in San Francisco - what to do?

Being a native, I am not a fan of the touristy things. But if that's your bag, then what's been suggested so far is ample. I'd say that you should go to Muir Woods on Thursday, not Fri/Sat, as early as possible. On Friday you could go for a walk around Angel Island, which gives picturesque views of ...
by RyeWhiskey
Wed Aug 06, 2014 11:59 am
 
Forum: Personal Consumer Issues
Topic: A few days in San Francisco - what to do?
Replies: 9
Views: 790

Re: How do you document your HSA "stuff?"

I just went into my hospital and set an appointment to photocopy a couple years of records, did so, and keep them in a folder. It has all the money I spent during those years on one easy piece of paper. The other thing to remember is that you can withdraw the money penalty free after the age of 65 r...
by RyeWhiskey
Mon Aug 04, 2014 6:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: How do you document your HSA "stuff?"
Replies: 38
Views: 2307

Re: International investing. A good call by our mentor.

I think if we take into account the following widely-accepted and practiced general outlines, the conclusion is clear: - Keep things simple and costs low - Diversify - Stay the course The conclusion: Vanguard Total World Stock Market fund. Maximum diversity, maximum simplicity, low costs, easy to st...
by RyeWhiskey
Thu Jul 31, 2014 1:48 pm
 
Forum: Investing - Theory, News & General
Topic: International investing. A good call by our mentor.
Replies: 145
Views: 13075

Re: Grad school decision - Help requested

It seems as though a bit more information is necessary: - This is a Master's Program from Pacific Northwest College of Art. The program is entitled "Critical Theory and Creative Research." - I am only applying to the one school for the one program which is very specific. - It is a single-y...
by RyeWhiskey
Tue Jul 29, 2014 2:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Grad school decision - Help requested
Replies: 25
Views: 2434

Grad school decision - Help requested

Hello fellow Bogleheads, It's time for a post regarding my situation. I'm seeking general financial advice as I've come quite some way since finding this forum and taking control of my finances. I am applying for graduate school at the moment, which will cost a total of $47,500. Fortunately, FAFSA b...
by RyeWhiskey
Tue Jul 29, 2014 12:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Grad school decision - Help requested
Replies: 25
Views: 2434

Re: Do any boggleheads invest in individual companies?

I have a very, very, small portfolio compared to most Bogleheads and I own two individual stocks which make up under 5% of my total portfolio. I bought them with the sole purpose of speculating and am willing to lose all that money should fate decide it so. It is important to differentiate between i...
by RyeWhiskey
Mon Jul 28, 2014 7:37 pm
 
Forum: Investing - Theory, News & General
Topic: Do any boggleheads invest in individual companies?
Replies: 95
Views: 6190

Re: Bonds beat stocks over the last 15 years

To all those calling out the OP on cherry-picking data, I believe the overall point is that one ought not expect premiums to be consistent (as is proved in the OP). In other words, one ought to expect nothing outside of one's control. Hence asset allocation, low costs, and staying the course are the...
by RyeWhiskey
Thu Jul 24, 2014 5:49 pm
 
Forum: Investing - Theory, News & General
Topic: Bonds beat stocks over the last 15 years
Replies: 93
Views: 8607

Re: Where is your brokerage account?

New college graduate just beginning to have some income to invest. I've owned mutual funds with Vanguard for a few months and now I want to purchase ETFs through Vanguard too. Do you open a brokerage account with Vanguard and transfer your funds from your bank to Vanguard? Or do you have direct dep...
by RyeWhiskey
Wed Jul 23, 2014 3:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where is your brokerage account?
Replies: 41
Views: 2914

Re: retirement fund or college fund?

I've got $50K to put either way---I'm looking at either putting it toward our retirement or toward my son's college. He's 11. What's a good way to put this to use? what's the better use here? Stick it in the 401K or have a separate college fund (I have used college cost estimators and find that it'...
by RyeWhiskey
Thu Jul 17, 2014 12:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: retirement fund or college fund?
Replies: 15
Views: 919

Re: POLL: Do you have a dedicated REIT allocation?

My dedicated REIT allocation is 3.51%. That is the allocation to REITs in the Vanguard Total World Stock Index fund. :beer
by RyeWhiskey
Wed Jul 16, 2014 12:53 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Do you have a dedicated REIT allocation?
Replies: 123
Views: 8506

Re: New Grad needing some advice

1. Set up an emergency fund. Look at the Bogelhead wiki for more information. 2. Set up a Roth IRA. Again, see the wiki. 3. Check out your employment for a 401k or other retirement plan (with a match if possible). Again, see the wiki. 4. Keep reading the wiki or get the Boglehead's guide books if yo...
by RyeWhiskey
Tue Jul 15, 2014 9:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Grad needing some advice
Replies: 19
Views: 1925
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