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Finding the Best Fund for a Passive Allocation to U.S. Equit

Bogleheads: Michael Rawson on Morningstar Research Team writes: Picking the Best ETFs: This list (6 total market ETFs) really has no bad options, although I do have my favorites. I like Vanguard Total Stock Market ETF (VTI) because of its low expense ratio, low trading costs, tight tracking, broades...
by Taylor Larimore
Fri Oct 24, 2014 12:20 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 914
Views: 369822

Vanguard Total Stock Market is a Morningstar favorite ETF

Bogleheads: Michael Rawson, CFA, on Morningstar Research Team writes: Picking the Best ETFs: This list (6 total market ETFs) really has no bad options, although I do have my favorites. I like Vanguard Total Stock Market ETF (VTI) because of its low expense ratio, low trading costs, tight tracking, b...
by Taylor Larimore
Fri Oct 24, 2014 12:13 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Total Stock Market is a Morningstar favorite ETF
Replies: 1
Views: 244

Fund Sizes

Buffet, Cramer and lots of other individual stock investors almost always say if you don't have the time or ability to evaluate individual issues then invest in a low cost S&P 500 fund. Note not total market. Vanguard's Total Stock Market Index Fund (VTSMX) is $355.4 Billion; the S&P 500 In...
by Taylor Larimore
Fri Oct 24, 2014 11:34 am
 
Forum: Investing - Theory, News & General
Topic: "Jack Bogle on Warren Buffett, Bill Gross and How to Invest"
Replies: 14
Views: 1475

Two kinds of interest rate forecasters.

Bogleheads:
There are only two kinds of interest rate forecasters: those who don't know, and those who don't know that they don't know. -- John Kenneth Galbraith

Source: The Bogleheads' Guide to Investing.

Best wishes.
Taylor
by Taylor Larimore
Thu Oct 23, 2014 10:23 pm
 
Forum: Investing - Theory, News & General
Topic: 100% of [surveyed] economists were dead wrong about yields
Replies: 23
Views: 2790

Re: 401k is a mess of managed & index funds, seeking help

If I choose Plan A (LifeStrategy) then when I open my IRA what should I choose? Starfox: If you have the $3,000 minimum, simply use the same Life Strategy Fund as ruralavalon suggests. An equally good alternative would be to start a Target Fund with the same stock/bond ratio. The Target Funds minim...
by Taylor Larimore
Thu Oct 23, 2014 4:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k is a mess of managed & index funds, seeking help
Replies: 9
Views: 582

Life Strategy Growth Fund

Starfox: Welcome to the Bogleheads Forum! I agree with ieee488 who wrote: For $30K and given your age, I would move everything into Vanguard LifeStrategy Growth Fund to simplify. This is a link to the Life Strategy Growth Fund (VASGX) designed by Vanguard experts: https://personal.vanguard.com/us/fu...
by Taylor Larimore
Thu Oct 23, 2014 12:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k is a mess of managed & index funds, seeking help
Replies: 9
Views: 582

Re: Forbes Article On Active vs Passive Investing

I just got done reading/browsing the latest print edition of Forbes I received yesterday. I find there is a certain humoristic value in it, especially in Steve Forbes' editorials, for how wrong and misguided they are. They are getting a bit predictable lately, though. Madbrain: Bogleheads Mel Linda...
by Taylor Larimore
Thu Oct 23, 2014 8:29 am
 
Forum: Investing - Theory, News & General
Topic: Forbes Article On Active vs Passive Investing
Replies: 35
Views: 3657

"The Arithmetic of Active Management"

What are your thoughts on this? This short statement by Nobel Laureate, William Sharpe, contradicts the author: The Arithmetic of Active Management "It is difficult to get a man to understand something, when his salary depends on his not understanding it." -- Upton Sinclair Best wishes. T...
by Taylor Larimore
Wed Oct 22, 2014 11:23 pm
 
Forum: Investing - Theory, News & General
Topic: Forbes Article On Active vs Passive Investing
Replies: 35
Views: 3657

Re: The Three Fund Portfolio

Columbia: If I may ask, at what age did you add TIPS to your portfolio? I added Vanguard's TIPS fund (VIPSX) shortly after its inception in June, 2000. I was age 76. Alternately, is there any rule of thumb for when investors should seriously consider the idea? There is no "rule of thumb." ...
by Taylor Larimore
Wed Oct 22, 2014 10:48 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 914
Views: 369822

"Vanguard 'Bogleheads' Crazy for 'Saint' Jack Bogle?"

Bogleheads: A long-time Boglehead, Nora Morrison, is now an editor for "TheStreet" newsletter and is attending our current Boglehead Conference . In her latest edition, she has written this very accurate and interesting account of Boglehead history: Why Are These Vanguard 'Bogleheads' so C...
by Taylor Larimore
Wed Oct 22, 2014 4:49 pm
 
Forum: Investing - Theory, News & General
Topic: "Vanguard 'Bogleheads' Crazy for 'Saint' Jack Bogle?"
Replies: 8
Views: 1463

Re: Forbes Article On Active vs Passive Investing

What are your thoughts on this? The 200 day moving average market-timing method is just one of many such self-serving schemes. My "thoughts" are the same as these experts: "The stock market will fluctuate, but you can't pinpoint when it will tumble or shoot up. If you have allocated ...
by Taylor Larimore
Wed Oct 22, 2014 11:51 am
 
Forum: Investing - Theory, News & General
Topic: Forbes Article On Active vs Passive Investing
Replies: 35
Views: 3657

"How to Win the Loser's Game -- Part 9"

Bogleheads:

This is a link to Part 9 of the excellent British series, "How to Win the Loser's Game.

http://www.sensibleinvesting.tv/how-to- ... ame-part-9

Best wishes.
Taylor
by Taylor Larimore
Wed Oct 22, 2014 11:31 am
 
Forum: Investing - Theory, News & General
Topic: "How to Win the Loser's Game -- Part 9"
Replies: 6
Views: 1479

Re: Putting Active Management to the Test

It appears that comparisons of active and passive do not attempt to screen-out active funds with known poor attributes such as high cost, poor performance that is persistent, high turnover, sold products etc. References that considered even one of the poor attributes, such as high cost (for example...
by Taylor Larimore
Tue Oct 21, 2014 6:45 pm
 
Forum: Investing - Theory, News & General
Topic: Putting Active Management to the Test
Replies: 107
Views: 11678

Re: Help a Confused New Boglehead

Caligal: Welcome to the Bogleheads Forum. Without more details about you and your investments, it is difficult to offer advice. You can edit your post in the format recommended in the link below. One strategy you might consider is to convert a portion of your 401Ks and Traditional IRAs to Roth IRAs ...
by Taylor Larimore
Tue Oct 21, 2014 10:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Help a Confused New Boglehead
Replies: 9
Views: 943

Past performance?

Bogleheads:

We must never forget this line in the article:
Picking based on past performance is often worse than picking randomly.

Best wishes.
Taylor
by Taylor Larimore
Mon Oct 20, 2014 3:22 pm
 
Forum: Investing - Theory, News & General
Topic: Fundamental Index Funds?
Replies: 14
Views: 1303

Fundamental Index Funds?

Bogleheads:

Boglehead Mike Piper, editor of the Oblivious Investor, has an excellent article, with graphs, about "Fundamental Indexes." This is the link:

Should I Invest in Schwab’s Fundamental Index Funds?

Best wishes.
Taylor
by Taylor Larimore
Mon Oct 20, 2014 11:17 am
 
Forum: Investing - Theory, News & General
Topic: Fundamental Index Funds?
Replies: 14
Views: 1303

Vanguard Personal Services

Carravagio16: Half of your mother's portfolio ($600,000) is in a brokerage account. In my opinion, this is almost certainly a big mistake. This is what Bill Bernstein, author of many investment books wrote in "If You Can": To be avoided at all cost are: any stock broker or "full-servi...
by Taylor Larimore
Sun Oct 19, 2014 7:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help Create a Portfolio Generating 2,500 a month on 600K
Replies: 22
Views: 3746

Re: My Anniversary

chaz wrote:I recently received a nice "Happy Anniversary" card from Bill McNabb for being a Vanguard investor for 25 years. I've enjoyed every year and look forward to more years invested there.

chaz:

Congratulations and best wishes!

Taylor
by Taylor Larimore
Sun Oct 19, 2014 7:14 pm
 
Forum: Personal Consumer Issues
Topic: My Anniversary [as Vanguard investor]
Replies: 3
Views: 618

Re: Three fund allocation per Vanguard Flagship CFP?

Bustoff wrote:Taylor -- Wake up!

Bustoff:

I'm awake. However, there is no need for me to add anything when our Bogleheads and Flagship CFP are giving CaringInvestor good advice.

Best wishes.
Taylor
by Taylor Larimore
Sun Oct 19, 2014 3:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Three fund allocation per Vanguard Flagship CFP?
Replies: 45
Views: 4677

Bond funds the experts recommend.

Bogleheads: When I am uncertain what to do, I listen to expert recommendations: William Bernstein -- Total Bond Market Jack Bogle -- Total Bond Market with Corporate Bonds Harry Browne -- Vanguard Long-Term Government Bond Rick Ferri -- Total Bond Market Harry Markowitz -- Total Bond Market Allan Ro...
by Taylor Larimore
Sun Oct 19, 2014 2:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: TBM too much treasury?
Replies: 67
Views: 4215

The important things.

I have learned that any good low cost, diversified, intermediate term bond fund will provide safety and income to a portfolio. Abuss: That is also my conclusion. When experts disagree it is often because there is little (if any) foreseeable difference. Knowledgeable investors concentrate on the imp...
by Taylor Larimore
Fri Oct 17, 2014 12:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: TBM too much treasury?
Replies: 67
Views: 4215

Does Total Bond Market have too much Treasury?

I've come across a few articles ( one quoting Jack Bogle ) suggesting that the Total Bond Index Fund is too heavy in government bonds and investors should consider adding Intermediate corporate bonds to achieve a better diversification . Any opinions on this? Mikle: Bonds are primarily for safety. ...
by Taylor Larimore
Thu Oct 16, 2014 10:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: TBM too much treasury?
Replies: 67
Views: 4215

"The best response to market volatility"

Bogleheads: Vanguard has posted an article about the current volatility in the stock market. Some excerpts (underline mine): "In a series of wild trading sessions, stock prices have tumbled as concerns about global economic growth reverberate through the markets. The best response? Stay cool.&q...
by Taylor Larimore
Thu Oct 16, 2014 6:16 pm
 
Forum: Investing - Theory, News & General
Topic: "The best response to market volatility"
Replies: 27
Views: 3339

A starter home.

DJB:

Upon returning to the States after World War II, we purchased a small house with a G.I. mortgage. As prices rose and our equity increased we upgraded from our small house to larger and larger homes from that original purchase.

Probably the best investment we ever made.

Best wishes.
Taylor
by Taylor Larimore
Tue Oct 14, 2014 11:55 pm
 
Forum: Personal Consumer Issues
Topic: Leaning towards buying a 1-BR condo in Bay Area
Replies: 21
Views: 2072

The mortgage ?

DJB:

Can you provide information about your intended mortgage? We might be able to offer suggestions.

Thank you and best wishes.
Taylor
by Taylor Larimore
Mon Oct 13, 2014 9:30 pm
 
Forum: Personal Consumer Issues
Topic: Leaning towards buying a 1-BR condo in Bay Area
Replies: 21
Views: 2072

Safe Withdrawal Rates (SWR)

Browser: Thank you for sharing the thoughts of Nobel Laureate, Wm Sharpe. I retired 33 years ago so I have some experience about safe withdrawal rates. This earlier post explains my own simple plan: Bogleheads: One of the great mysteries to me are the Great Debates over Safe Withdrawal Rates (SWR). ...
by Taylor Larimore
Mon Oct 13, 2014 7:08 pm
 
Forum: Investing - Theory, News & General
Topic: Bill Sharpe on the 4% SWR rule (he thinks it's silly)
Replies: 51
Views: 4618

Need more information

N52570:

It is difficult to give you sound advice without more information. Please answer the questions and use the posting format in this link:

ASKING PORTFOLIO QUESTIONS

Thank you and best wishes.
Taylor
by Taylor Larimore
Mon Oct 13, 2014 6:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dry Powder, When to Start Value Averaging In?
Replies: 23
Views: 2206

A Default Provision.

asc1982: I am sorry to learn that the sale of your house will not go through. This is the "Default" provision in the State of Florida standard Realtor sales contract: "Buyer Default: If buyer fails, neglects or refuses to perform Buyer's obligations under this Contract, including paym...
by Taylor Larimore
Mon Oct 13, 2014 6:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sale of house-closing tomorrow, buyer is backing out
Replies: 60
Views: 5077

S&P Indices Versus Active (SPIVA) 2014 Mid-Year Fund Report

Bogleheads: The S&P Indices Versus Active (SPIVA) Reports are the most accurate reports comparing Active vs. Index Fund performances. The latest 2014 Mid-Year Report concludes:  The U.S. domestic equity markets finished the 12-month period ending June 30, 2014, on a positive note. The S&P 5...
by Taylor Larimore
Mon Oct 13, 2014 11:13 am
 
Forum: Investing - Theory, News & General
Topic: S&P Indices Versus Active (SPIVA) 2014 Mid-Year Fund Report
Replies: 0
Views: 229

Re: SERVER GOING OFFLINE FOR MAINTENANCE TONIGHT - 7:45 PM E

Mingstar:

Nice job! Your marvelous forum was off-line for just a few minutes.

Thank you and best wishes.
Taylor
by Taylor Larimore
Sun Oct 12, 2014 9:18 pm
 
Forum: Forum Issues and Administration
Topic: SERVER GOING OFFLINE FOR MAINTENANCE TONIGHT - 7:45 PM ET
Replies: 8
Views: 785

Charles Ellis

Garlandwhizzer:

Charles Ellis has an impressive biography. He knows what he is talking about. When Mr. Ellis speaks or writes -- I listen.

Thank you and best wishes.
Taylor
by Taylor Larimore
Sun Oct 12, 2014 2:42 pm
 
Forum: Investing - Theory, News & General
Topic: The Rise and Fall of Performance Investing
Replies: 5
Views: 530

Re: Vanguard Target Retirement Funds for Roth IRA

JH88: Welcome to the Bogleheads Forum! I am a single, 25 year old who has only recently started investing. Last year, I opened a Roth IRA with Vanguard and maxed out the contribution with their 500 Index (VFINX). As I further educated myself, I now realize that this fund, including only domestic sto...
by Taylor Larimore
Sun Oct 12, 2014 2:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Retirement Funds for Roth IRA
Replies: 3
Views: 396

Re: When the roof needs replacement.

flyingaway wrote:Hi, Taylor:

Is this monthly maintenance fee the same as HOA fee, or is it a fee collected monthly in addition to HOA?


I pay a "Monthly Condominium Association Fee." We have no additional HOA (Homeowner Association) fee.

Best wishes.
Taylor
by Taylor Larimore
Sun Oct 12, 2014 12:37 pm
 
Forum: Personal Consumer Issues
Topic: Should I buy a condo on the GROUND FLOOR?
Replies: 50
Views: 4997

When the roof needs replacement.

In a multi-floor condo, if the roof needs to be replaced, who will pay for that? Flyingaway: Our condominium roof is currently being replaced. The cost will be paid from our monthly maintenance fee which is shared by all residents. I think this is true of all condominiums, although sometimes a spec...
by Taylor Larimore
Sun Oct 12, 2014 11:51 am
 
Forum: Personal Consumer Issues
Topic: Should I buy a condo on the GROUND FLOOR?
Replies: 50
Views: 4997

Re: Should I buy a condo on the GROUND FLOOR?

Bogleheads: When we moved into our 35th floor condo 25 years ago, I knocked on the door of the unit on the floor below and asked them to please let us know if they heard noise from us. I told them we would lay carpet over our tile floors if our noise penetrated their ceiling. Our lovely neighbors ne...
by Taylor Larimore
Sun Oct 12, 2014 11:38 am
 
Forum: Personal Consumer Issues
Topic: Should I buy a condo on the GROUND FLOOR?
Replies: 50
Views: 4997

The search for higher yield ?

LMR1229:

Focusing on "yield" can be a mistake. It is "total return" that matters.

"More money has been lost by investors seeking higher yield than has been lost at the point of a gun."

Best wishes.
Taylor
by Taylor Larimore
Sun Oct 12, 2014 9:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Stable Income Fund vs. Total Bond Market
Replies: 32
Views: 2176

Inflation and Total Bond Market Index

Bogleheads: There is a general misconception that when inflation increases, bonds must decline. Listed below are the historical U.S. inflation rates (CPI-U) and total returns for the Aggregate Bond Index since the Index inception: YEAR----INFLATION----BOND INDEX 1976-------4.9%--------15.6% 1977----...
by Taylor Larimore
Sat Oct 11, 2014 4:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Stable Income Fund vs. Total Bond Market
Replies: 32
Views: 2176

Chase rewards.

Why am I not getting these offers? :annoyed +1 If someone knows of a promo code I could use, I'd love it! knswamp and lululu: I suggest that you simply walk into the nearest Chase branch and ask for their latest promotion. They should be happy to offer it to you to get your account. Best wishes. Ta...
by Taylor Larimore
Sat Oct 11, 2014 4:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: $400 reward to open Chase accounts
Replies: 35
Views: 8090

Re: Stable Income Fund vs. Total Bond Market

My question is: Is it better to be totally in cash earning 1.72 percent at the moment, or am I better off in the Total Bond Market? Or maybe a combination of both? LMR1229: Welcome to the Bogleheads Forum! No one knows which security will outperform in the future. Cash offers virtually no risk but ...
by Taylor Larimore
Fri Oct 10, 2014 9:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Stable Income Fund vs. Total Bond Market
Replies: 32
Views: 2176

William Bernstein recommends The Three Fund Portfolio

Bogleheads: William Bernstein is a very respected physician, adviser and author of six highly praised investment books. His seventh, and latest book, If You Can. How Millennials Can Get Rich Slowly begins with this question: Would you believe me if I told you that there's an investment strategy that...
by Taylor Larimore
Fri Oct 10, 2014 6:11 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 914
Views: 369822

The ultimate benefit at Chase.

I get frequent offers in the mail, to be paid a bonus to open accounts at Chase. The latest pays me $200 to open a checking account, which has no fees if I keep a $1500 balance. It also offers me another $200 to open a savings account and keep $15,000 in it. You have to keep the accounts for 6 mont...
by Taylor Larimore
Fri Oct 10, 2014 8:49 am
 
Forum: Personal Finance (Not Investing)
Topic: $400 reward to open Chase accounts
Replies: 35
Views: 8090

Vanguard's recommended plan?

joyandjerry: Your professional, no-commission, Vanguard adviser has recommended The Three Fund Portfolio divided among your various accounts. Assuming the overall stock/bond allocation is suitable (your most important decision), I would accept Vanguard's recommendation. Total Bond Market gives you e...
by Taylor Larimore
Thu Oct 09, 2014 4:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should we diversify our bond holdings?
Replies: 13
Views: 902

Jack Bogle answers your question.

"Why wouldn't you tilt to small Value?"

Mr. Bogle answers:

The Telltale Chart

Best wishes.
Taylor
by Taylor Larimore
Thu Oct 09, 2014 10:25 am
 
Forum: Investing - Theory, News & General
Topic: Why Wouldn't You Tilt To Small Value?
Replies: 52
Views: 2914

The Three Fund Portfolio

You could use 3 funds and even if you never (well, almost never) changed anything, you would be miles ahead of giving your money to an adviser. (Total stock market admiral, total international stock market admiral, and fixed income (perhaps tax-exempt bonds) Vanguard will help you set it up. dliu: ...
by Taylor Larimore
Thu Oct 09, 2014 10:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Large Inheritance - Need Advice
Replies: 28
Views: 3488

Cap Weighted Total Stock Market is Efficient

I am not able to convince myself that market-cap weighting is optimal.


This article by John Norstad will help:

Three Proofs that the Total Stock Market is Efficient

Best wishes.
Taylor
by Taylor Larimore
Wed Oct 08, 2014 10:38 pm
 
Forum: Investing - Theory, News & General
Topic: Why Wouldn't You Tilt To Small Value?
Replies: 52
Views: 2914

Keep investing simple.

Hello, Just doing a quick survey as to what was your annualized rate of return over those 10 to 30 past years you were saving in your retirement funds? I was looking at some studies in the market and looks like the consensus is 7.5% (CalPERS uses that as an expected rate of return) ahmadcpa: Past p...
by Taylor Larimore
Wed Oct 08, 2014 8:57 pm
 
Forum: Investing - Theory, News & General
Topic: Retirees only, what was you average investment return?
Replies: 49
Views: 3347

A very good fund

I checked with Fidelity today - they said its large cap only Michael: According to Morningstar, Fidelity Spartan Total Market Index Advantage Fund (FSTVX) contains 72% large-cap stocks; 19% mid-cap stocks and 9% small-cap stocks. This is an excellent fund which (I believe) has never had below avera...
by Taylor Larimore
Wed Oct 08, 2014 8:42 pm
 
Forum: Investing - Theory, News & General
Topic: Mid and small cap exposure?
Replies: 23
Views: 2279

Re: Dollar averaging or single market entry

Nielsva: Welcome to the Bogleheads Forum! I would like to start with investing for the long term according to the bogglehead principles (I am 26 years old). My idea would be to save up money first and invest this once or twice a year at a fixed date in order to keep transaction costs low. At the mom...
by Taylor Larimore
Wed Oct 08, 2014 5:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dollar averaging or single market entry (in Switzerland)
Replies: 18
Views: 1165
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