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Re: Mint Vs Ibank Vs Quicken for mac

Which is best for IRR or CAGR of a portfolio pulled together from various accounts? Most folks seem to use excel for such things, but a) I don't have excel, and b) it seems as thought there should be software sophisticated enought to tell my YTD returns on my portfolio. I want to be able to easily f...
by Taggerung
Mon Mar 03, 2014 9:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mint Vs Ibank Vs Quicken for mac
Replies: 40
Views: 5363

Re: TBM for life?

I think it may have been Mr. Swedroe who once recommended (apologies if I'm wrong) a combination of TBM, TIPS, and HY in order to accurately replicate the bond market. Rick Ferri has recommended this bond portfolio - 60% Total Bond, 20% Intermediate TIPS, and 20% High Yield. I am not sure what Larr...
by Taggerung
Fri Feb 28, 2014 1:01 am
 
Forum: Investing - Help with Personal Investments
Topic: TBM for life?
Replies: 26
Views: 2617

Re: TBM for life?

Wow, great info as always (that's why we love this forum, right?)! I'm glad to hear so many people chime in that TBM for life is a reasonable, responsible, rational strategy. I read so many threads on here where folks are debating between I-bonds vs. TIPS, various bond ladder strategies, whether or ...
by Taggerung
Thu Feb 27, 2014 8:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: TBM for life?
Replies: 26
Views: 2617

TBM for life?

I'm 40 and the first to admit that bonds confuse me. Am I irresposible for wanting to keep 100% of my fixed income allocation in TBM forever and always? Diversifying fixed income gets so complicated so quickly. Maybe just add short-term TIPS at retirement? Is following the Vanguard Target Date Funds...
by Taggerung
Thu Feb 27, 2014 2:41 am
 
Forum: Investing - Help with Personal Investments
Topic: TBM for life?
Replies: 26
Views: 2617

The Word Continues to Spread

http://finance.yahoo.com/news/crushingly-expensive-mistake-killing-retirement-164638067.html It seems that I run into pro-indexing articles more and more frequently these days. Of course it's difficult to drown out all of the noise, but it's nice to think that more and more advocates are having a vo...
by Taggerung
Tue Feb 18, 2014 10:06 pm
 
Forum: Investing - Theory, News & General
Topic: The Word Continues to Spread
Replies: 0
Views: 459

Re: Question on Bernstein's "Skating"

Hmmm, I had a very different takeaway from that book that can be expressed in the following quotes: In short, you have to move on when you get too much company; the first people to invest in an asset class with high expected returns and low correlations enjoy sirloin, while the Johnny-come-latelys ...
by Taggerung
Thu Jan 23, 2014 7:00 pm
 
Forum: Investing - Theory, News & General
Topic: Question on Bernstein's "Skating"
Replies: 6
Views: 702

Question on Bernstein's "Skating"

For anyone who as read, or has a handy copy of, "Skating Where the Puck Was" I have a question about the point being made on pp 22-23. While examining asset correlations over the short-term vs. long-term, Bernstein cites Large-cap Growth and Small-Cap Value as being, "the two least-re...
by Taggerung
Thu Jan 23, 2014 5:44 pm
 
Forum: Investing - Theory, News & General
Topic: Question on Bernstein's "Skating"
Replies: 6
Views: 702

Re: Emerging Markets Allocation

Isn't Swenson 15% and 5%?
by Taggerung
Wed Jan 22, 2014 8:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Emerging Markets Allocation
Replies: 30
Views: 1840

Re: Emerging Markets Allocation

When you day "developed" do you mean you have one developed market fund at say X % and then EM fund at X %, or do you have Europe at X %, Pacific at X%, and EM at 2X %?
by Taggerung
Wed Jan 22, 2014 7:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Emerging Markets Allocation
Replies: 30
Views: 1840

Emerging Markets Allocation

I am revisiting my allocation to international funds. I like to slice and dice my portfolio and the international portion is no exception. My current allocation to international is: Europe (VEURX) 7% Pacific (VPACX) 7% Int. Small-Cap (VFSVX) 7% Emerging Markets (VEIEX) 7% My original goal was to kee...
by Taggerung
Wed Jan 22, 2014 6:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Emerging Markets Allocation
Replies: 30
Views: 1840

Re: AA Comment Welcome

Thank you for the reply and I completely respect the warning/concern regarding the aggressiveness of 7% fixed income. I didn't think it was all that radical considering the Target Date Fund is only at 10%, so I'm not that far off. Would most Bogleheads then not recommend Vanguard's Target Date Funds?
by Taggerung
Thu Jan 02, 2014 11:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA Comment Welcome
Replies: 3
Views: 264

AA Comment Welcome

2014 Asset Allocation (across 2 Roth IRAs, 403(b), brokerage accounts). Large-Cap Blend - 28% Mid-Cap Value - 15% Small-Cap Value - 15% REITs - 7% Europe - 7% Pacific - 7% Emerging Mks - 7% Int. Small-Cap - 7% Total Bond Mkt - 7% 93/7 - Equities to Fixed Income 70/30 - Domestic to International 25 y...
by Taggerung
Thu Jan 02, 2014 8:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA Comment Welcome
Replies: 3
Views: 264

Re: What was your 2013 return?

Ugh. This is depressing/disconcerting. According to Vanguard's "Personal Performance" my personal rate of return for one year (as of 12/31/13) is only 16.6% whereas Vanguard Target Retirement 2040 Fund (VFORX) is showing 24.37% over that last year. All my efforts have apparently gotten me ...
by Taggerung
Thu Jan 02, 2014 11:46 am
 
Forum: Investing - Theory, News & General
Topic: [Poll] What was your 2013 return?
Replies: 209
Views: 8518

Re: New Jack Bogle Book

I purchase all of the economics books for our local public library. Unfortunately I probably won't be adding this to our library's collection. "The House that Bogle Built" was just released in 2011 and it has only circulated 3 times. It's hard to justify another Bogle book. I would love to...
by Taggerung
Fri Nov 22, 2013 3:42 pm
 
Forum: Investing - Theory, News & General
Topic: New Jack Bogle Book
Replies: 25
Views: 3699

Re: Benchmark Question

Ok, the M* Portfolio X-Ray is YTD through October 30, but the fund analysis page at M* is YTD through Sept. 30.
I'm sorry that I missed that one as well.

But any ideas why the M* X-Ray would show VFAIX at 26.35% YTD and Yahoo! would have it at 22.345%?
by Taggerung
Wed Oct 30, 2013 1:56 pm
 
Forum: Investing - Theory, News & General
Topic: Benchmark Question
Replies: 3
Views: 212

Re: Benchmark Question

You are right - Yahoo! Finance shows the YTD return for VFAIX (21.3%) is through Sept. 30. However, you can customize the charts on Yahoo and when you enter the dates 1/2/13 - 10/29/30 is shows VFAIX is 22.34% and the S&P 500 is 21.17% Also, M* is doing something stranger than I first noticed. I...
by Taggerung
Wed Oct 30, 2013 1:46 pm
 
Forum: Investing - Theory, News & General
Topic: Benchmark Question
Replies: 3
Views: 212

Benchmark Question

Excuse my ignorance, but I have a (hopefully) simple question regarding benchmarks, specifically the S&P 500. I have VFIAX (Vanguard 500 Index Admiral Shares) in my portfolio and Vanguard is showing the YTD return on that fund as 19.76% and the fund's benchmark (S&P 500) as 19.79%. All well ...
by Taggerung
Wed Oct 30, 2013 12:57 pm
 
Forum: Investing - Theory, News & General
Topic: Benchmark Question
Replies: 3
Views: 212

Re: Book Review - The 100 Best Stocks to Buy in 2013

I was trying to give them the benefit of some doubt that maybe I just wasn't "getting" their numbers - I find it even more concerning then if they really are that much further off. I love learning about passive investing and then discovering more and more examples of it's superiority and e...
by Taggerung
Thu Apr 04, 2013 9:42 pm
 
Forum: Investing - Theory, News & General
Topic: Book Review - The 100 Best Stocks to Buy in 2013
Replies: 6
Views: 960

Book Review - The 100 Best Stocks to Buy in 2013

Preaching to the choir, I know, but I thought some might find this interesting. Yet another great argument for Bogleheads, a bit of vindication of sorts. I am a librarian at a public library and purchase the investing/personal finance/economics books for the collection and each year I get the annual...
by Taggerung
Thu Apr 04, 2013 1:21 pm
 
Forum: Investing - Theory, News & General
Topic: Book Review - The 100 Best Stocks to Buy in 2013
Replies: 6
Views: 960

Re: Been lurking, getting started, advice welcome

Edited post to include tax rates and 403(b) funds available.
by Taggerung
Mon Oct 15, 2012 11:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Been lurking, getting started, advice welcome
Replies: 13
Views: 1401

Re: Been lurking, getting started, advice welcome

Instead of slice-n-dicing into separate large and small, you'll get a better expense ratio of you hold the Total Stock Market fund as the core and add tilts. So replace: 12% Large-Cap 12% Large-Cap Value 8% Small-Cap 8% Small-Cap Value With: 20% Total Stock Market 12% Large-Cap Value 8% Small-Cap V...
by Taggerung
Fri Oct 12, 2012 9:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Been lurking, getting started, advice welcome
Replies: 13
Views: 1401

Re: Been lurking, getting started, advice welcome

You need to find your marginal tax rate, not effective - this is the amount of tax you will owe on each incremental dollar. This figure will drive most decisions that concern tax efficiency. [most of our income is taxed at 15%, we only had a few thousand dollars taxed at 25%. MI income taxes are li...
by Taggerung
Thu Oct 11, 2012 7:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Been lurking, getting started, advice welcome
Replies: 13
Views: 1401

Been lurking, getting started, advice welcome

Emergency Funds: yes, 6 months of living expenses in cash. Debt: $8,000 car loan (@5.49%), $2,000 on credit cards (@19%), 9 years left on a 10 year mortgage (@ 3.25%) (very affordable monthly payments) Tax Filing Status: Married Filing Jointly Tax Rate: 4.25% state income tax, 25% marginal rate, but...
by Taggerung
Thu Oct 11, 2012 6:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Been lurking, getting started, advice welcome
Replies: 13
Views: 1401

Re: Question: Solin's New Book

Thanks again for the responses, the info is truly helpful. As for general comments on the book, I've only had a cursory glance at it. I purchase books for the library and there was a hold on the book so I could not read it before it went out. He does however seem to do a bit of a flip-flop in that h...
by Taggerung
Thu Nov 24, 2011 7:59 am
 
Forum: Investing - Theory, News & General
Topic: Question: Solin's New Book
Replies: 14
Views: 1474

Re: Question: Solin's New Book

Thanks for the additional info, but I think Dratkinson's response gets to the point of my question. I'm not questioning the validity of tilting toward value, rather I'm asking, why not just own the LC Value index? Why hold both the LC Blend AND the LC Value? It appears to be a redundancy in that suc...
by Taggerung
Wed Nov 23, 2011 12:06 am
 
Forum: Investing - Theory, News & General
Topic: Question: Solin's New Book
Replies: 14
Views: 1474

Re: Question: Solin's New Book

He does indeed recommend a Small-Cap Value as well, but does this mean there is no concern over holding two funds with 70% overlap? I guess I was assuming that if one were to put together a portfolio who's equity portion consisted of only 7 funds (his recommendation) that having 2 with that much in ...
by Taggerung
Tue Nov 22, 2011 2:51 pm
 
Forum: Investing - Theory, News & General
Topic: Question: Solin's New Book
Replies: 14
Views: 1474

Question: Solin's New Book

In Daniel R. Solin's latest addition to his "Smartest" series, "The Smartest Portfolio You'll Ever Own" he advocates holding 20% of Large-Cap (blend) and 20% of Large-Cap Value, e.g. VLACX and VIVAX. My question is this...the two are very similar, no? How is this diversifying? In...
by Taggerung
Tue Nov 22, 2011 1:09 am
 
Forum: Investing - Theory, News & General
Topic: Question: Solin's New Book
Replies: 14
Views: 1474

Re: Roth IRA vs. Roth 403(b)

Thanks for the helpful reply Kenyan! I do not at this time have any other investments. I hadn't considered tax diversification as you mentioned. Considering your advice might I be better off maxing out our Roth IRA's and putting the other $8,000 into a taxable Vanguard account? It certainly would be...
by Taggerung
Sun Nov 20, 2011 9:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA vs. Roth 403(b)
Replies: 5
Views: 497

Roth IRA vs. Roth 403(b)

My wife and I each have a Roth IRA which we max out but she is eligible for a 403(b) at work - no matching funds however. The max for the 403(b) is $17,500. We're currently putting away $18,000 a year for retirement. Since we cannot afford to max out the 403(b) and both of our IRA's does it make a d...
by Taggerung
Thu Nov 17, 2011 2:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA vs. Roth 403(b)
Replies: 5
Views: 497

Re: Detroit area Bogleheads Local Chapter interest?

Did the interest die? I am a newbie and have lots to learn. I would be interested in meeting with others.
by Taggerung
Sat Oct 22, 2011 3:57 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Detroit Metro Bogleheads Local Chapter Established
Replies: 13
Views: 3622

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