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Laura: "Queen of the Bogleheads"

Thank you Taylor for bringing us back to the roots. :happy I especially like this one: Laura Dogu, co-auther of "The Bogleheads Guide to Retirement Planning" : A simple portfolio is actually the ultimate in sophistication. It almost always lowers cost (including taxes), makes analysis eas...
by Taylor Larimore
Sat Jan 24, 2015 6:11 pm
 
Forum: Investing - Theory, News & General
Topic: What Experts Say About "Simplicity"
Replies: 4
Views: 938

What Experts Say About "Asset-Allocation & Diversification"

Bogleheads: What experts say about "Asset-Allocation" and "Diversification": "The stock market will fluctuate, but you can't pinpoint when it will tumble or shoot up. If you have allocated your assets properly and have sufficient emergency money, you shouldn't need to worry....
by Taylor Larimore
Sat Jan 24, 2015 5:00 pm
 
Forum: Investing - Theory, News & General
Topic: What Experts Say About "Asset-Allocation & Diversification"
Replies: 1
Views: 464

What Experts Say About "Simplicity"

Bogleheads: What experts say about Simplicity : Scott Adams, author of Dilbert : "I once tried to write a book about personal investing. - After extensive research I realized I could describe everything that a young first-time investor needs to know on one page." Christine Benz, Morningsta...
by Taylor Larimore
Sat Jan 24, 2015 4:16 pm
 
Forum: Investing - Theory, News & General
Topic: What Experts Say About "Simplicity"
Replies: 4
Views: 938

What Experts Say About Market-Timing

Bogleheads: What experts say about market-timing: "The stock market will fluctuate, but you can't pinpoint when it will tumble or shoot up. If you have allocated your assets properly and have sufficient emergency money, you shouldn't need to worry." AAII Guide to Mutual Funds "Endless...
by Taylor Larimore
Sat Jan 24, 2015 3:04 pm
 
Forum: Investing - Theory, News & General
Topic: What Experts Say About Market-Timing
Replies: 0
Views: 310

Re: What Experts Say About "Indexing"

nanosour wrote:Shouldn't the title of the thread read, What "Experts" Say About Indexing?

nanosour:

You have a point. :wink:

Best wishes.
Taylor
by Taylor Larimore
Fri Jan 23, 2015 7:11 pm
 
Forum: Investing - Theory, News & General
Topic: What Experts Say About "Indexing"
Replies: 9
Views: 1422

Re: Vanguard STAR Fund (VGSTX)

What do you thing about the Star fund for retirement. I bought it when it came out in 85, I was thinking having only it as my retirement income. Hulburt1: In my opinion, Vanguard's STAR fund can be an excellent fund for retirement. It is very diversified and low-cost. However, it is not tax-efficie...
by Taylor Larimore
Fri Jan 23, 2015 7:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard STAR Fund (VGSTX)
Replies: 8
Views: 940

Jim Cramer on "Indexing"

"After a lifetime of picking stocks, I have to admit that Bogle's arguments in favor of the index fund have me thinking of joining him rather than trying to beat him." Jim Cramer Did Jim Cramer actually say that? Then why does he keep misleading viewers on his show on CNBC everyday??? Lat...
by Taylor Larimore
Fri Jan 23, 2015 6:12 pm
 
Forum: Investing - Theory, News & General
Topic: What Experts Say About "Indexing"
Replies: 9
Views: 1422

"What Experts Say"

Yes, indexing works pretty darned well. Thanks Taylor for putting together a nice collection of quotes. nedsaid: Thank you. My intention is to upgrade "What Experts Say" about each element of The Bogleheads Philosophy . When completed, I'll make a single post containing links to what expe...
by Taylor Larimore
Fri Jan 23, 2015 6:01 pm
 
Forum: Investing - Theory, News & General
Topic: What Experts Say About "Indexing"
Replies: 9
Views: 1422

What Experts Say About "Indexing"

Bogleheads: What experts say about indexing: "It should come as no surprise that behavioral finance research makes a strong case for buying and holding low-cost, broadly diversified index funds." American Association of Individual Investors "Personally I think indexing wins hands down...
by Taylor Larimore
Fri Jan 23, 2015 1:28 pm
 
Forum: Investing - Theory, News & General
Topic: What Experts Say About "Indexing"
Replies: 9
Views: 1422

"Its Time To End Financial Advisers 1% Fees"

Bogleheads:

Jonathan Clements, author and Wall Street Journal columnist, has written an interesting article explaining how low-cost online advisers are challenging traditional advisers:

"Its Time To End Financial Advisers 1% Fees"

Best wishes.
Taylor
by Taylor Larimore
Fri Jan 23, 2015 10:52 am
 
Forum: Investing - Theory, News & General
Topic: "Its Time To End Financial Advisers 1% Fees"
Replies: 8
Views: 1905

Past Performance ?

Bogleheads: What experts say: Jack Bogle: "The biggest mistake investors make is looking backward at performance and thinking it’ll recur in the future." Frank Armstrong, financial author: "Rating services such as Morningstar's 'Star Awards' or the 'Forbes Honor Roll' attest to the fu...
by Taylor Larimore
Fri Jan 23, 2015 10:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Diversify my portfolio
Replies: 18
Views: 1658

Re: Selling mutual fund to buy ETF - "out of market" risk

I'd like to sell a mutual fund holding and invest it in an Vanguard ETF instead. I'm concerned about the "1 day out of market" risk and am wondering whether there's a way to further reduce it. Megaroth: Don't worry about being out of the market for one day. It could be a blessing: Five La...
by Taylor Larimore
Thu Jan 22, 2015 11:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Selling mutual fund to buy ETF - "out of market" risk
Replies: 17
Views: 818

Mr. Bogle's "age in bonds" rule is a starting point."

Now Mr. Bogle begins the process by specifying that one should hold age in bonds. That is an absolute that leaves an open question how one should take into account the presence of a pension. Bogle on Mutual Funds: I recommended --as a crude starting point--that an investor's bond position should eq...
by Taylor Larimore
Wed Jan 21, 2015 10:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Portfolio - effect of pension
Replies: 5
Views: 850

A few more suggestions

i am really hoping that both Taylor and Laura will chime in with their thoughts as I have read many threads over time with their very streamlined, solid and simplistic advice on allocation and portfolio management. tt122209: You have received many posts containing sound suggestions. Not much I can ...
by Taylor Larimore
Wed Jan 21, 2015 5:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Two CSRS Fed Employees Retiring 2015 - Need Input Please!
Replies: 43
Views: 2366

Re: Starting to Invest - 26 Years Old

2. How does this look for Vanguard funds (investing 70K): VTSAX (Total Market Admiral Shares) - 15K VFIAX (S&P 500 Admiral Shares) - 15K VIMAX (Mid-Cap) - 10K VDIGX (Dividend Growth) - 10K VWNFX (Large Cap) - 10K VWELX (Wellington Fund - Balanced) - 10K (I was also considering VWINX) firsttimeb...
by Taylor Larimore
Tue Jan 20, 2015 10:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Starting to Invest - 26 Years Old
Replies: 14
Views: 1335

Foolish to buy insurance you don't need.

I've always heard that if you are going to buy life insurance, it's better to get term vs. whole life insurance. But does it ever make sense to buy term life insurance if you are single with no dependents? mmoneytalks: In my opinion, it is foolish to buy insurance you don't need. Best wishes. Taylor
by Taylor Larimore
Tue Jan 20, 2015 9:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance when single
Replies: 15
Views: 903

Re: 15 year fixed mortgage vs ARM 5 1

there is an over 95% chance that we will relocate to another town in the next 2-3 years. And if we don't I will consider building a new house. Streptococcus: I think it is probably a mistake to refinance for a period of 2-3 years considering the hassle and $2,500 closing costs. Your current mortgag...
by Taylor Larimore
Tue Jan 20, 2015 7:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: 15 year fixed mortgage vs ARM 5 1
Replies: 4
Views: 437

"The ABCs of Common Sense Investing"

Bogleheads:

Rick Van Ness has put Boglehead Philosophy into poetry:

The ABCs of Common Sense Investing

Thank you, Rick.

Best wishes.
Taylor
by Taylor Larimore
Tue Jan 20, 2015 5:55 pm
 
Forum: Investing - Theory, News & General
Topic: "The ABCs of Common Sense Investing"
Replies: 11
Views: 1648

"When you've won the game, stop playing"

[Thread merged into here, see below (page 2). -- admin LadyGeek] Bogleheads: Boglehead, author and advisor, Bill Bernstein, has a lengthy article in the Wall Street Journal today titled, How to Tell if Your Retirement Nest Egg Is Big Enough. Bill put in italics something I also think is very import...
by Taylor Larimore
Tue Jan 20, 2015 4:47 pm
 
Forum: Investing - Theory, News & General
Topic: "When you've won the game, stop playing"
Replies: 83
Views: 8242

Re: Diversify my portfolio

Riptide:

I think you have a very good plan (assuming your stock/bond allocation is suitable).
"The enemy of a good plan is the dream of a perfect plan." -- John Bogle

Stay-the-course.

Best wishes.
Taylor
by Taylor Larimore
Tue Jan 20, 2015 4:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Diversify my portfolio
Replies: 18
Views: 1658

Re: Trying to understand index funds

While I understand the arguments and results behind the success of many index funds, there is one aspect with which I still struggle. Index funds don't really hold an entire index. There are still individual stocks that SOMEONE has to pick to include in individual mutual funds and ETFs. Isn't there...
by Taylor Larimore
Tue Jan 20, 2015 3:48 pm
 
Forum: Investing - Theory, News & General
Topic: Trying to understand index funds
Replies: 14
Views: 1187

Target and Three Fund Portfolio for simplicity

The findings confirm that declining cognition, a common occurrence among individuals in their 80s, is associated with a significant decline in financial literacy. The study also finds that large declines in cognition and financial literacy have little effect on an elderly individual’s confidence in...
by Taylor Larimore
Tue Jan 20, 2015 2:09 pm
 
Forum: Investing - Theory, News & General
Topic: “How Does Aging Affect Financial Decision Making?”
Replies: 54
Views: 2728

Re: The Three Fund Portfolio

BogleInvestorLondon:

Thank you for the correction. I edited my post.

Best wishes.
Taylor
by Taylor Larimore
Tue Jan 20, 2015 12:23 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1012
Views: 444469

The Bogleheads forum at its best.

Bogleheads:

This is a good example of the Bogleheads forum at its best. People helping people effectively.

Thanks everyone!

Best wishes.
Taylor
by Taylor Larimore
Mon Jan 19, 2015 10:22 pm
 
Forum: Personal Consumer Issues
Topic: Need Help Responding to Debt Collector (for invalid request)
Replies: 13
Views: 1395

Re: calculating tax deferred vs taxable

Calculating tax deferred vs taxable?

Joe:

Morningstar has a tool to help answer your question:

Morningstar's IRA Calculator

Best wishes.
Taylor
by Taylor Larimore
Mon Jan 19, 2015 4:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: calculating tax deferred vs taxable
Replies: 11
Views: 599

Sell expensive and tax-inefficient fund in taxable account

Taxable Investment Account ~$2K (100% GBLAX American Funds Global Balanced A only had < 1 year). DPTocs: Please sell your tax-inefficient and expensive fund (GBLAX) before you get locked-in with large capital-gains making it very expensive to later exchange to a more tax-efficient fund. According t...
by Taylor Larimore
Mon Jan 19, 2015 3:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice: Considering surrendering newer Midland National IUL
Replies: 7
Views: 444

Correction

Christine:

Thank you for the correction. I have edited my post to reflect that Balanced Index Fund does not contain two index funds but simply tracks two indexes.

Best wishes
Taylor
by Taylor Larimore
Mon Jan 19, 2015 3:09 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1012
Views: 444469

Predicting the Past

Taylor, I read the Vanguard research from your link, it was very informative. As a part of this overall international allocation discussion, my question is in regards to your comment that you pay little attention to past results. When I read the Vanguard research, it was heavily based on historical...
by Taylor Larimore
Mon Jan 19, 2015 2:00 pm
 
Forum: Investing - Theory, News & General
Topic: Does 3-funds offer higher returns or lower risk?
Replies: 30
Views: 2564

"Does 3-Funds Offer Higher Returns Or Lower Risk"

Bogleheads:

Below is the link to a lengthy discussion about The Three Fund Portfolio in another thread:

Does 3-funds offer higher returns or lower risk?

Best wishes.
Taylor
by Taylor Larimore
Mon Jan 19, 2015 1:31 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1012
Views: 444469

Jack Bogle on The Three Fund Portfolio

I understand that Mr. Bogle (and Buffett) suggest 2 funds - US Stock Market Index & Bonds. Allroads: Mr. Bogle also told the Wall Street Journal in a December 2006 interview: "There may be better investment strategies than owning just three broad-based index funds but the number of strateg...
by Taylor Larimore
Sun Jan 18, 2015 5:39 pm
 
Forum: Investing - Theory, News & General
Topic: Does 3-funds offer higher returns or lower risk?
Replies: 30
Views: 2564

International stocks in the Three Fund Portfolio?

I'm glad you made a post Taylor. May I ask you - in terms more of a "theory" rather than past results would a person holding a 3-fund vs 2-fund portfolio be mostly having international to increase returns or reduce risk/volatility ? Allroads: I pay little attention to "past results&q...
by Taylor Larimore
Sun Jan 18, 2015 4:37 pm
 
Forum: Investing - Theory, News & General
Topic: Does 3-funds offer higher returns or lower risk?
Replies: 30
Views: 2564

Re: Does 3-funds offer higher returns or lower risk?

The 3-fund portfolio does not appear to be on the "efficient frontier" of risk/reward. Livesoft: The three funds in The Three Fund Portfolio are not fixed to any "efficient frontier." The percentage of each fund varies depending on what the investor feels is most suitable for th...
by Taylor Larimore
Sun Jan 18, 2015 4:11 pm
 
Forum: Investing - Theory, News & General
Topic: Does 3-funds offer higher returns or lower risk?
Replies: 30
Views: 2564

Re: RMD withdrawals.

I turn 70 1/2 in 2015, and will be required to begin RMD's of my IRA, which is invested 65% bonds, (LT Corp/GNMA) 35% equities (Tot Stk Mkt Idx). I plan to reinvest the RMD into my personal taxable account. My question is, would it be better to take one withdrawal at the beginning of 2015, take mon...
by Taylor Larimore
Sun Jan 18, 2015 3:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: RMD withdrawals.
Replies: 38
Views: 2547

Re: Why I like this forum

Civility is in the eye of the powerful and that's why I don't sign on to it. Cromwell: Civility applies to all of us: "Be civil to all, sociable to many, familiar with few, friend to one, enemy to none." -- Benjamin Franklin “Every action done in company ought to be with some sign of resp...
by Taylor Larimore
Sun Jan 18, 2015 3:05 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Why I like this forum
Replies: 34
Views: 2244

ERP ?

There is a ERP with international equities. I believe it was Dimson and Marsh 101 yrs. of international returns data that shows in almost (if not ALL) equity markets equities outperform the same country's cash (and even bonds) this shows there is a +ERP. There is no premium of investing in one equi...
by Taylor Larimore
Sun Jan 18, 2015 2:11 pm
 
Forum: Investing - Theory, News & General
Topic: Why invest in International funds? It's a mystery
Replies: 121
Views: 10374

Re: Life Strategy and Target Funds alternative

I might add that Mike Piper personally uses the Vanguard LifeStrategy funds, which are about as pure a one-fund implementation of the three-fund portfolio as you can get. Leeraar: Mr. Piper is a very knowledgeable investor who is on our Panel of Experts at Boglehead Conferences. I agree with Mike t...
by Taylor Larimore
Sun Jan 18, 2015 1:30 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1012
Views: 444469

Re: The Three Fund Portfolio

Being an amateur at this, I am trying to understand the (practical) process of investing using a 3 Fund Portfolio. If I wished to invest $11,500 annually in a 3 Fund Portfolio while meeting the following requirements: 1. max my Roth IRA contribution ($5500) 2. use a 60:40 stock:bond allocation What...
by Taylor Larimore
Sun Jan 18, 2015 12:39 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1012
Views: 444469

Re: Why I like this forum

protagonist:

The Bogleheads Forum (and its links) has been my single most important source of investment education.

I am deeply indebted to you and all the other contributing Bogleheads.

Thank you and best wishes.
Taylor
by Taylor Larimore
Sun Jan 18, 2015 12:05 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Why I like this forum
Replies: 34
Views: 2244

Re: Tilting to Corp. Bonds

I wrote: I agree with columbia: It is much more efficient to use bonds for safety and stocks for higher returns. Comeinvest wrote: Do you have any quantitative evidence supporting your statement "It is much more efficient to use bonds for safety and stocks for higher returns"? I'm rushing ...
by Taylor Larimore
Sat Jan 17, 2015 8:01 am
 
Forum: Investing - Theory, News & General
Topic: Tilting to Corp. Bonds
Replies: 36
Views: 2895

Re: Why invest in International funds? It's a mystery

Trevor wrote:Investing 100% into the U.S isn't really comparable to investing 100% in Japan, is it? No country comes close to the market cap of the U.S.

Trevor:

In 1989 the Japanese stock market was larger than the U.S. stock market.
Source: Stocks for the Long Run by Jeremy Siegel

Best wishes
Taylor
by Taylor Larimore
Fri Jan 16, 2015 4:40 pm
 
Forum: Investing - Theory, News & General
Topic: Why invest in International funds? It's a mystery
Replies: 121
Views: 10374

Re: Should I Declare Victory and Pack It In?

So, can/should I pack it in, declare early victory at age 56 and move onto Life3.0 or is it risky? Doctor wormwood: I don't believe it is "risky" for you. A physician should be able to find work if you retire early and later change your mind. I retired at age 57 and I' am now 90. I have n...
by Taylor Larimore
Fri Jan 16, 2015 4:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I Declare Victory and Pack It In?
Replies: 173
Views: 16389

Re: "An account transfer can be key to better control"

akblizzard wrote:Copy that. And on a similar note, although I've been with Vanguard for decades I just finished "The Bogleheads' Guide to Investing" last night. Very good.

akblizzard:

Our book was a labor of love. You have made me and my co-authors very happy.

Thank you and best wishes.
Taylor
by Taylor Larimore
Fri Jan 16, 2015 4:07 pm
 
Forum: Investing - Theory, News & General
Topic: "An account transfer can be key to better control"
Replies: 2
Views: 467

"An account transfer can be key to better control"

Have accounts here, there, and everywhere? With a transfer of assets, you can treat yourself to the benefits of consolidation. Bogleheads: The above quote is from an article now on Vanguard's Home Page. I can relate because long ago I reduced our mish-mash of accounts to only two Vanguard accounts ...
by Taylor Larimore
Fri Jan 16, 2015 3:04 pm
 
Forum: Investing - Theory, News & General
Topic: "An account transfer can be key to better control"
Replies: 2
Views: 467

Re: Portfolio Review

Forget about your losses. They are history. Every investor has periods of losses. With a profit or loss, you should never hold funds you would not buy today (after considering taxes and costs).. . .Best wishes. Taylor This should be included in one of the Boglehead "Favorite Quotes" or &q...
by Taylor Larimore
Fri Jan 16, 2015 1:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 11
Views: 931

Bonds are for safety. Stocks are for higher returns.

If one is trying to squeeze out higher returns from their bonds (than provided by TBM), perhaps they should own more equities. Bogleheads: Bonds are for safety. Vanguard's Total Bond Market Index Fund does just that. The safety of bonds is needed most when stocks plunge in bear markets. In 2008 Van...
by Taylor Larimore
Fri Jan 16, 2015 1:39 pm
 
Forum: Investing - Theory, News & General
Topic: Tilting to Corp. Bonds
Replies: 36
Views: 2895

Ignore the "losses."

Hello everyone. I'm back again greatly humbled by my mistakes. I've decided to take the investment decisions out my hands and move into the TR 2015 Fund. I've put a great amount of my ROTH into the Total International Stock Index Fund (VTIAX). I'm down about %7,000.00 now. Do I make the move now or...
by Taylor Larimore
Fri Jan 16, 2015 12:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 11
Views: 931

Re: Merrill Lynch or Vanguard

BitDude: I understand this Merrill Lynch investment is in a taxable account. If so, you must consider after-tax return. The managed funds your adviser wants to put you in are nearly always less tax-efficient than low cost index funds. Another problem is that you should only start out with tax-effici...
by Taylor Larimore
Wed Jan 14, 2015 10:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Merrill Lynch or Vanguard
Replies: 48
Views: 3196

"The Market Needs Active Managers--Just Far Fewer Of Them"

Bogleheads:

This is the latest (short) video of Sensible Investing featuring a DFA adviser:

The Market Needs Active Managers--Just Far Fewer Of Them

Best wishes.
Taylor
by Taylor Larimore
Wed Jan 14, 2015 10:25 am
 
Forum: Investing - Theory, News & General
Topic: "The Market Needs Active Managers--Just Far Fewer Of Them"
Replies: 2
Views: 483

Re: Fortune 500 index fund

I am looking for an ETF or Fund that tracks the Fortune 500. State Street Global Investor's (SSgA) had one in the early 2000's, a streeTRACKS sector Fund, actually an ETF listed on AMEX as FFF but switched it into the Wilshire 5000 index due to confusion over the Fortune 500 List. Recently saw a br...
by Taylor Larimore
Tue Jan 13, 2015 10:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fortune 500 index fund
Replies: 5
Views: 658
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