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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 6:49 pm
 
Forum: Investing - Theory, News & General
Topic: Bonds beat stocks over the last 15 years
Replies: 92
Views: 6939

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 4:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where is your brokerage account?
Replies: 41
Views: 2568

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 1:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: retirement fund or college fund?
Replies: 15
Views: 855

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 1:53 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Do you have a dedicated REIT allocation?
Replies: 123
Views: 6943

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 10:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Grad needing some advice
Replies: 14
Views: 1146

Re: POLL: Walmart vs Amazon

What do you prefer and why? How do prices match up and do you have tips for Amazon shopping as far as getting everyday items like paper towels, soap? Do you buy any food or buy in bulk off of Amazon? What are some other factors such as job creation, local tax revenue, etc? I shop at both but after ...
by RyeWhiskey
Sat Jul 12, 2014 1:52 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Walmart vs Amazon
Replies: 137
Views: 8041

Re: Emerging Markets: making up 5% of your equities?

EM make up 7.2% of my portfolio: the amount of EM in the Total World Stock Index which is my only equity holding. As to your claim that EM won't drop when US equities do, I believe that EM took a huge (larger than domestic) hit in 2008. You should examine the correlations which I believe are quite h...
by RyeWhiskey
Sat Jul 12, 2014 1:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Emerging Markets: making up 5% of your equities?
Replies: 47
Views: 3598

Re: Portfolio Review request for investment accounts

Current Retirement Assets (mid 6 figures) Taxable at Etrade: 6% of portfolio 100% uninvested 100% Total International Stock Index His SIMPLE plan at Etrade: 30% of portfolio 100% in (VTI) - Vanguard Total Stock Market ETF, expense ratio .05% His Roth IRA at Etrade: 16% of portfolio 100% invested in...
by RyeWhiskey
Fri Jul 11, 2014 12:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review request for investment accounts
Replies: 5
Views: 576

Re: Boglehead Rules Of Thumb To Investing?

1) Live well below your means.
2) Invest regularly and responsibly.
3) Keep things simple, low cost, and long term.

:sharebeer
by RyeWhiskey
Fri Jul 11, 2014 12:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Boglehead Rules Of Thumb To Investing?
Replies: 23
Views: 3189

Re: Portfolio makeover please - am I too cash heavy?

Rolling/transfering everything to Vanguard is an excellent idea (my parents just did the same and couldn't be happier). You only have to deal with one (excellent) institution and you only get one set of tax forms, etc... Assuming that you will do this and given that you stated a desired 70/30 stock/...
by RyeWhiskey
Wed Jul 09, 2014 2:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio makeover please - am I too cash heavy?
Replies: 26
Views: 3736

Re: Want international exposure? You already have it.

It would seem to me as though the argument being put forth in the OP is logically incoherent: Claim A: Maximum diversification is best (Boglehead tenant of investment philosophy). Claim B: Don't diversify into international equities (or bonds for that matter). The argument that one may be "dive...
by RyeWhiskey
Wed Jul 09, 2014 12:35 pm
 
Forum: Investing - Theory, News & General
Topic: Want international exposure? You already have it.
Replies: 65
Views: 6332

Re: Dip into IRAs to pay off CC debt?

I'd say that before you consider something relatively drastic like selling the rental, taking out a mortgage on the home, or liquidating your limited tax-shelter space, you should take one month and dedicate yourself and your spouse to budgeting . You could very well benefit from software like YouNe...
by RyeWhiskey
Tue Jul 08, 2014 1:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Dip into IRAs to pay off CC debt?
Replies: 28
Views: 2030

Re: In Which Theories Should I Have Confidence?

How about this: instead of looking at all the differences in theories, conversations, hypotheticals, allocations, trends, percentages, graphs, portfolios, funds, ERs, etc... you look at the similarities ? Here on the forum and wiki the similarities are glaring: - Low costs - Buy and hold - Broad div...
by RyeWhiskey
Tue Jul 08, 2014 12:47 pm
 
Forum: Investing - Theory, News & General
Topic: In Which Theories Should I Have Confidence?
Replies: 43
Views: 4224

Re: Getting back to trying to live frugal, correct investmen

I agree that you seem to be conflicted on several items. Here's what I would suggest: 1) Establish an emergency fund of 6-12 months expenses. 2) Pay off your credit card debt. 3) Post your 401k investment options in the appropriate format here and work to get to the simplest, lowest cost, allocation...
by RyeWhiskey
Tue Jul 08, 2014 12:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Getting back to trying to live frugal, correct investments
Replies: 10
Views: 1438

Re: One Total Stock Market Index Fund or 3-4 Sub-Funds?

^ Regarding: He is handily disproving your black and white opinions over a 10+ year period. No, he isn't. Firstly, in the OP Taylor never claims, nor supports the claim, that a non-titled portfolio will outperform a titled portfolio over a random 10+ year period. So your straw man isn't really relev...
by RyeWhiskey
Tue Jul 08, 2014 12:17 pm
 
Forum: Investing - Theory, News & General
Topic: One Total Stock Market Index Fund or 3-4 Sub-Funds?
Replies: 19
Views: 3430

Re: Buffett 2-fund portfolio and 75/50

All I meant by a free lunch is looking for more return and reduced risk at the same time. It's certainly possible (the efficient frontier is basically that), but I wouldn't bet on it one way or the other. For what it's worth, I only own one fund for my equity allocation: the Total World Stock Index....
by RyeWhiskey
Sun Jul 06, 2014 2:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buffett 2-fund portfolio and 75/50
Replies: 18
Views: 2605

Re: Buffett 2-fund portfolio and 75/50

Thanks for the replies. Overthinking and complication are relative terms. One person’s overthinking is another person’s under-thinking. I’m not being a wise guy, that’s absolutely 100% true. I have to live with the choices I make, and I’m afraid just copying what others have done, without understan...
by RyeWhiskey
Sun Jul 06, 2014 1:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buffett 2-fund portfolio and 75/50
Replies: 18
Views: 2605

Re: Buffett 2-fund portfolio and 75/50

I agree with the rest of the chorus regarding the three fund portfolio, however, I will submit to you that in many cases the three fund portfolio can be simplified even further to a two fund portfolio: X% Total World Stock Index, Y% Total US Bond Index. :beer
by RyeWhiskey
Sun Jul 06, 2014 1:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buffett 2-fund portfolio and 75/50
Replies: 18
Views: 2605

Re: Decumulation accounts, Open Fidelity Cash MGT?

Both Fido and Schwab will meet your needs for bill pay, check writing, fee-free ATM withdrawals, and ease of use online. Both have low cost brokerages which can be attached to their checking accounts. Fido gets the nod as they offer a great credit card which can be managed from the same interface. S...
by RyeWhiskey
Fri Jul 04, 2014 1:27 pm
 
Forum: Personal Consumer Issues
Topic: Decumulation accounts, Open Fidelity Cash MGT?
Replies: 8
Views: 800

Re: [Poll] If all active funds have ER= 0.05%, will you buy

No. If I want to take more risk than the Total World Stock Index then I'll buy an individual stock or two with money I can afford to lose rather than compromise the simplicity of my plan on a managerial gamble. :beer
by RyeWhiskey
Fri Jul 04, 2014 1:12 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] If all active funds have ER= 0.05%, will you buy any?
Replies: 55
Views: 2662

Re: Expense Ratio - what's too high?

bertilak wrote:I simply figure that anything over what Vanguard charges for a similar fund is too high.


:sharebeer
by RyeWhiskey
Mon Jun 16, 2014 4:53 pm
 
Forum: Investing - Theory, News & General
Topic: Expense Ratio - what's too high?
Replies: 33
Views: 2776

Re: New investor advice--bond fund?

From the little research I've done I am a firm believer in the "Bogle" philosophy. Simple, low expense index funds, track the market, and you're doing better than most. There is only one thing I am struggling with right now, and that is putting 10% in the Vanguard Total bond market fund. ...
by RyeWhiskey
Fri Jun 06, 2014 2:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: New investor advice--bond fund?
Replies: 8
Views: 620

Re: Vessel For Real Estate Savings

I would ask myself if I'd be asking the same question after the equity market had not experienced a 5 year bull run and the bond markets a 30 year bull run. If the inverse were true, how would 50/50 look? CDs would be my choice for this money, or perhaps a short-term treasury fund. :beer
by RyeWhiskey
Wed Jun 04, 2014 3:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vessel For Real Estate Savings
Replies: 10
Views: 683

Re: Poll: Luxury and Happiness

The sort of things middle class and upper middle class people buy in America today aren't really luxuries, they are just cost-engineered commodities with lots of features-- noisy gadgets with a lot of flashing lights, things that consume time and effort, almost more than they save. Our houses, cars...
by RyeWhiskey
Wed Jun 04, 2014 3:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Luxury and Happiness
Replies: 141
Views: 8106

Re: Another Reason to Index

"Boglesaurs" I think this should be added to the wiki. +1. I honestly believe it's a valuable term. It describes our grandparents (maybe parents) who thought like us, using the best tools and info available during their times to limit costs, risk and to maximize portfolio returns. Perhaps...
by RyeWhiskey
Wed Jun 04, 2014 3:04 pm
 
Forum: Investing - Theory, News & General
Topic: Another Reason to Index
Replies: 26
Views: 2601

Re: HSA (Healthcare Spending Account) Investment Options

Yikes! Those investment options are mighty expensive. If you're not going to use the HSA for medical expenses but are going to treat it as a retirement account then the only fund which would work for me would be: JPMorgan Equity Index Fund – Select Shares…… HLEIX It's basically a closet S&P 500 ...
by RyeWhiskey
Tue Jun 03, 2014 5:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA (Healthcare Spending Account) Investment Options
Replies: 5
Views: 566

Re: Technical Analysis Drags Down Performance

Everyone knows the infamous investing disclaimer, "Past performance does not predict future results." Yet technical analysis is fundamentally based upon the assumption that past performance can indeed predict future results. Which one is right? Technical analysis is based on human behavio...
by RyeWhiskey
Tue Jun 03, 2014 4:58 pm
 
Forum: Investing - Theory, News & General
Topic: Technical Analysis Drags Down Performance
Replies: 52
Views: 2408

Re: Favorite guitarist...

Django Reinhardt. Next question. :sharebeer
by RyeWhiskey
Tue Jun 03, 2014 2:46 pm
 
Forum: Personal Consumer Issues
Topic: Favorite guitarist...
Replies: 187
Views: 18895

Re: wealthfront risk tolerance vs "rule of thumb"

At first glance, that's seven funds that Wealthfront is suggesting you hold, far too many in my opinion. I suggest you hold two funds: Vanguard Total World Stock Index and the Vanguard Total Bond Market Index. Sit down and pick an allocation that makes sense to you and that you think you'll hold for...
by RyeWhiskey
Tue Jun 03, 2014 2:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: wealthfront risk tolerance vs "rule of thumb"
Replies: 11
Views: 1032

Re: 100% VT - HIGH TAX, HIGH TRADING COST - PLEASE COMMENT

Why not move the assets from bonds to VT and then buy the appropriate amount of CDs and/or I-Bonds to round out your bond portion and stabilize your portfolio. CDs and I-Bonds cost nothing to purchase and are very tax-efficient. You also stated that you have the cash so this doesn't seem out of line...
by RyeWhiskey
Tue Jun 03, 2014 2:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: 100% VT - High Tax, High Trading Cost - Please Comment
Replies: 6
Views: 844

Re: Young Investor: Slightly Changing AA to get Admiral Fund

I'd first like to say, welcome and congratulations on your progress thus far. I agree wholeheartedly with DSInvestor's post above regarding looking at your Roth+401k as a total allocation rather than viewing them separately. Here are my thoughts on your more recent questions: Taxable Accounts $5k in...
by RyeWhiskey
Mon Jun 02, 2014 9:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Young Investor: Slightly Changing AA to get Admiral Funds?
Replies: 15
Views: 963

Re: Swenson question

I just re read unconventional success and was wondering why he didn't make any mention at all about precious metals as a hedge against inflation. In fact he didn't even mention gold at all even as a non-core asset to not invest in. I wonder why no mention of this asset class either way? Gold has a ...
by RyeWhiskey
Mon Jun 02, 2014 4:08 pm
 
Forum: Investing - Theory, News & General
Topic: Swenson question
Replies: 10
Views: 1071

Re: Vanguard Continues to Lower Expenses

Always nice to read new like this. However, to piggypack on the complain train, 0.30% is quite pricey for the Total World Stock Index. I'd really like to see an Admiral Shares offering for this all-world fund given that it is, effectively, the essence of indexing. :beer
by RyeWhiskey
Mon Jun 02, 2014 1:16 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Continues to Lower Expenses
Replies: 15
Views: 3611

Re: [short term job that's] easy to get and pays well?

I'm getting ready to go to graduate school and want to work off some debt asap. I'm looking for ideas about where to apply or what to do to earn money fast. I'm already tutoring and filling out marketing surveys. I've applied to some moving companies as well. More ideas welcome! (FYI - I'm a young ...
by RyeWhiskey
Mon Jun 02, 2014 1:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: [short term job that's] easy to get and pays well?
Replies: 44
Views: 4931

Re: Beginning Investor with Unique Situation

What do you guys think? Should I pull the trigger and go with the Target Retirement 2020 Fund? Is 55-60% Stocks and 35-40% Bonds conservative enough given our medical/income situation, or would you recommend an even lower percentage of stocks? Also, regardless of which fund I choose, should I put $...
by RyeWhiskey
Thu May 29, 2014 3:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Beginning Investor with Unique Situation
Replies: 39
Views: 2623

Re: Large Amount in Personal Savings - scared to invest

The title says it all really, I have about $250k sitting in a regular bank savings account and I simply don't trust the market sufficiently to invest it. In these days of market turmoil and fears of another 2007 style implosion is there really a "safe" option that would give me at least a...
by RyeWhiskey
Thu May 29, 2014 3:06 pm
 
Forum: Investing - Theory, News & General
Topic: Large Amount in Personal Savings - scared to invest
Replies: 48
Views: 5153

Re: Large Amount in Personal Savings - scared to invest

Allan Roth presents an approach here that may suit you: http://www.cbsnews.com/news/risk-free-stock-investing/ I like the way this article shows how an investor can manage risk with fixed income. That really is a good article for those who are too afraid/worried to invest at the moment. Thanks for ...
by RyeWhiskey
Thu May 29, 2014 2:53 pm
 
Forum: Investing - Theory, News & General
Topic: Large Amount in Personal Savings - scared to invest
Replies: 48
Views: 5153

Re: non retirement savings

What do you recommend for a non retirement/taxable account? Thanks! What does your IPS say? If this is money which will be used for retirement but will be held in a taxable account then I'd put my international equity portion there, followed by domestic equity, and last of all my bonds. You can use...
by RyeWhiskey
Thu May 29, 2014 2:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: non retirement savings
Replies: 10
Views: 1520

Re: Split emergency fund into separate categories?

When I helped my parents set up their finances in Boglehead fashion we set up an emergency fund with the following labels: - Large expense fund (house repairs, car repairs, etc... to be spent within the year). This is money in a bank account. - Travel fund in bank account (to be spent within 1-2 yea...
by RyeWhiskey
Thu May 29, 2014 2:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Split emergency fund into separate categories?
Replies: 17
Views: 1131

Re: Poor guy at 29 - need investment advice

Hi all, I love this forum and a long time reader. I am trying to get my life in order. Started working at 23. Until now, most of my spending was around on siblings, and other family issues. Now trying to save up some for retirement. Not married yet. I have a day job. Not much of earnings. End up sp...
by RyeWhiskey
Wed May 28, 2014 3:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Poor guy at 29 - need investment advice
Replies: 17
Views: 1868

Re: KOA campgrounds experience

I've camped across the US and can say that I'd only camp (that is, in a tent) at a KOA if it was absolutely necessary. You're far better off going to a state/national park and camping there. It's cheaper, quieter, and more relaxing. :beer
by RyeWhiskey
Tue May 27, 2014 3:56 pm
 
Forum: Personal Consumer Issues
Topic: KOA campgrounds experience
Replies: 14
Views: 1138

Re: Pursuing your calling in life at what cost?

My girlfriend and I are about your age and have, combined, less than 60k in total assets. We are both pursuing our calling and wouldn't think of giving it up for a 5-9 where we'd be unhappy but would earn more. You have 2.3M. Go do what you need to do. :beer
by RyeWhiskey
Tue May 27, 2014 3:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pursuing your calling in life at what cost?
Replies: 58
Views: 4539

Re: Basic Help- Small loan, starting investing, savings

Hello, welcome to the forum. Please see this thread and use the format posted there for portfolio questions. You'll find you get much better answers. As to your questions: 1) Establish emergency fund. See the wiki for more information. I keep 6 months expenses in mine. 2) Pay off remaining student l...
by RyeWhiskey
Mon May 26, 2014 3:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Basic Help- Small loan, starting investing, savings
Replies: 2
Views: 212

Re: Larry Swedroes The Only guide to a winning investment...

I think that, generally speaking, people approach the Swedroe vs. Bogle, commodities vs. none, tilt vs. no tilt, etc... issue entirely backwards. The point isn't which one produced better returns in back-testing or which one we think will produce better returns going forward. The point is: is the po...
by RyeWhiskey
Mon May 26, 2014 3:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Larry Swedroes The Only guide to a winning investment...
Replies: 19
Views: 2609

Re: Monthly Budget Comparison

28 years old. Portland metro area. Average monthly expenses: Rent: $500 Utilities: $50 Gas: $0, ride bike. Food: $0, on food stamps. Restaurant/Bar: $250 Insurance: $25 Other: $10 Total expense budget: $835 Average monthly savings: $750 I try to save $5,500/year for my Roth and $3,300 for my HSA. I ...
by RyeWhiskey
Wed May 21, 2014 1:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Monthly Budget Comparison
Replies: 86
Views: 4659

Re: Where to Allocate 10K Right Now

You seem to be uncomfortable with short term movements of the market. Consult your IPS - what does it say you should do with new contributions? Personally, I only own one equity fund: the Vanguard Total World Stock Index. All new contributions go there and I don't need to worry about whether one mar...
by RyeWhiskey
Mon May 19, 2014 1:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where to Allocate 10K Right Now
Replies: 32
Views: 1856

Re: 5-7 year stash fund: Vanguard Star VGSTX

So my finances are in order, all retirement accounts and HSA's are maxed. Asset allocations are all set. As we have some extra funds, my wife and I would like to begin stashing away money towards a down payment on our future retirement house (in a much warmer climate). We are thinking that within 5...
by RyeWhiskey
Mon May 19, 2014 1:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: 5-7 year stash fund: Vanguard Star VGSTX
Replies: 8
Views: 1832

Re: How much do you invest into equities and bonds per month

$0.

I don't make enough to DCA so I save throughout the year and make a lump sum contribution to my Roth and HSA in January. :beer
by RyeWhiskey
Mon May 19, 2014 1:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much do you invest into equities and bonds per month?
Replies: 14
Views: 1907

Re: New PC - Buy Office or use free alternatives

I have used most MS Office alternatives and I can say that Libre Office and Open Office are both superb, with Libre Office being slightly more user friendly. Google Docs is great for simple word processing and excellent for sharing, but doesn't operate in the same docs-on-computer-edit-in-program mi...
by RyeWhiskey
Mon May 19, 2014 1:20 pm
 
Forum: Personal Consumer Issues
Topic: New PC - Buy Office or use free alternatives
Replies: 29
Views: 2036
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