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"The Asset Location Decision Revisited"

Bogleheads: Professor William Reichenstein is one of the nation's top scholars and thought leaders in the intersecting fields of income taxes and investment decisions. His 2013 Study concluded: Except in rare cases, investors should hold stocks in taxable accounts and bonds in retirement accounts. T...
by Taylor Larimore
Sun Apr 26, 2015 10:21 am
 
Forum: Investing - Theory, News & General
Topic: Kitces on Asset Location
Replies: 15
Views: 1061

Jack Bogle on "tilting"

I tilt heavily towards small and value. However, I often wonder why active managers under perform the s&p 500. Do they tilt? I understand the historical data behind small and value but why then haven't active managers been able to simply tilt and beat the market? Thx privatefarmer: Jack Bogle g...
by Taylor Larimore
Sat Apr 25, 2015 9:03 pm
 
Forum: Investing - Theory, News & General
Topic: Tilting
Replies: 25
Views: 1055

Miami

Miami is the second most visited U.S. city by international visitors (New York City is first). http://skift.com/2014/06/18/20-most-popular-u-s-cities-among-international-travelers-in-2013/ I enjoy foreign visitors. I'm also aware that they improve our economy and help pay our state and local taxes. ...
by Taylor Larimore
Sat Apr 25, 2015 3:40 pm
 
Forum: Personal Consumer Issues
Topic: Best touristy places to live in the world?
Replies: 30
Views: 2769

Re: “How Does Aging Affect Financial Decision Making?”

... so this will assure finances are managed soundly when I no longer am capable of handling. How would you know? I read a study recently that decision-making ability declines, but one's confidence does not. L. Leeraar: I know because today I started heading for the wrong mark of the course -- and ...
by Taylor Larimore
Sat Apr 25, 2015 2:28 pm
 
Forum: Investing - Theory, News & General
Topic: “How Does Aging Affect Financial Decision Making?”
Replies: 63
Views: 3801

Re: should I add Gold Fund to my portfolio?

I'm new to investing. Just opened a couple index funds last month with Vanguard. I'm 38 years old. MY allocation is 38% S&P 500, 16% International Stock, 32% Bonds, and 15% REIT's. Wondering if i should add Gold/Mining Fund that Vanguard has, to further diversify? gixxer: Welcome to the Boglehe...
by Taylor Larimore
Fri Apr 24, 2015 10:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: should I add Gold Fund to my portfolio?
Replies: 21
Views: 1632

Re: What is too long to stay the course?

We should let the maritime expert voice his opinion. Where is Taylor Larimore? :happy

Grt2bOutdoors:

Sometimes it is better to remain silent. :wink:

Best wishes.
Taylor
by Taylor Larimore
Fri Apr 24, 2015 10:03 pm
 
Forum: Investing - Theory, News & General
Topic: What is too long to stay the course?
Replies: 50
Views: 3220

Re: Study Recommends Keeping Status Quo for TSP Fund Offerin

Abuss: Thank you for sharing the report for the government TSP Plan; often considered the best 401k type plan available anywhere. The report found that the TSP Plan would not be improved by adding more funds. I come to a similar conclusion whenever I consider adding more funds to The Three Fund Port...
by Taylor Larimore
Fri Apr 24, 2015 9:53 pm
 
Forum: Investing - Theory, News & General
Topic: Study Recommends Keeping Status Quo for TSP Fund Offerings
Replies: 21
Views: 1247

Re: Morningstar: Target-Date MFs Offer Better Investor Retur

Barry:

Thank you for the article showing how Target Funds are helping investors achieve financial success.

Best wishes.
Taylor
by Taylor Larimore
Fri Apr 24, 2015 1:47 pm
 
Forum: Investing - Theory, News & General
Topic: Morningstar: Target-Date MFs Offer Better Investor Returns
Replies: 4
Views: 411

"Assuming" could be a mistake.

Say further his employer has told him that his position will be eliminated in the next 6-18 months. He has not been given a termination notice yet. He assumes there will no severance package that will greatly enhance his situation if it comes to that, and no early retirement incentives. If I were t...
by Taylor Larimore
Fri Apr 24, 2015 11:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Hypothetical "Can he pull the plug?" [Retire early]
Replies: 37
Views: 2740

Waiting for the Fed ?

My current thinking is to move more to the bond side but find myself waiting for the Fed raise hike shoe to drop to get a better buy price. Bob Bob: The chances are that by the time the Fed raises rates, speculators and insiders will have already increased the "buy price." Market-timing s...
by Taylor Larimore
Fri Apr 24, 2015 10:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Recommended stock to bond ratio??
Replies: 15
Views: 1398

Re: Recommended stock to bond ratio??

As a 58 year old investor I spoke with Vanguard regarding their recommendation for percent stock to bond ratio. They recommended a 65% stock to 35% bond ration until age 80 where they recommend a 60 stock 40 bond ratio. This was based on a moderately agressive investing style. Thoughts? ankonaman: ...
by Taylor Larimore
Thu Apr 23, 2015 7:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Recommended stock to bond ratio??
Replies: 15
Views: 1398

Doing what experts say

oldzey wrote:I've added many of these "What experts say about" quotes to my IPS.

Thanks Taylor!

oldzey:

I am pleased you like the quotes.

We can become a successful investor the same way I became a successful sailor -- listen to experts and then do what they say.

Best wishes.
Taylor
by Taylor Larimore
Wed Apr 22, 2015 7:46 pm
 
Forum: Investing - Theory, News & General
Topic: What experts say about "Stay-the-Course"
Replies: 4
Views: 1342

Wrong Forum

Taylor as a 58 year old investor I spoke with Vanguard regarding their recommendation for percent stock to bond ratio. They recommended a 65% stock to 35% bond ratio until age 80 where they recommend a 60 stock 40 bond ratio. This was based on a moderately aggressive investing style. Thoughts? anko...
by Taylor Larimore
Wed Apr 22, 2015 4:12 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1069
Views: 490552

"4 Passive-Investing Pitfalls to Avoid"

Bogleheads: This week, Morningstar, the worlds leading provider of objective mutual fund information, is discussing the benefits and pitfalls of index funds and managed funds. These are quotes from a recent article about index fund "pitfalls" : "There are a lot of advantages to an all...
by Taylor Larimore
Wed Apr 22, 2015 3:15 pm
 
Forum: Investing - Theory, News & General
Topic: "4 Passive-Investing Pitfalls to Avoid"
Replies: 4
Views: 1390

Improving fund-of-funds.

I don't like the way Vanguard changed these several times since their inception. Target and Life Strategy funds are normally in tax-advantaged accounts. This means that shareholders can easily exchange to other funds if they disapprove of changes. I applaud Vanguard experts for changing their Targe...
by Taylor Larimore
Wed Apr 22, 2015 2:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why I Chose Target Retirement Funds
Replies: 41
Views: 4544

The Three Fund Portfolio uses Morningstar's "Top Picks"

Bogleheads: Morningstar has a Special Report featuring "Top Core Picks for Indexers." Among their "Top Picks" are Total Stock Market, Total International Stock Market and Total Bond Market -- all in The Three Fund Portfolio. Morningstar's Top Core Picks for Indexers Best wishes T...
by Taylor Larimore
Wed Apr 22, 2015 10:35 am
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1069
Views: 490552

"Morningstar's Top Core Picks for Indexers"

Bogleheads: This article is part of Morningstar's April 2015 "Active, Passive, and In-Between Special Report." "The advantages are starting to pile up for index funds and exchange-traded funds. First, there's the cost advantage: Traditional index funds and exchange-traded funds that s...
by Taylor Larimore
Wed Apr 22, 2015 10:22 am
 
Forum: Investing - Theory, News & General
Topic: "Morningstar's Top Core Picks for Indexers"
Replies: 0
Views: 406

Re: 30 y/o looking for proper asset allocation

So I backtested the proposed vs. 3 fund

Hobo trader:

I respectfully suggest you read What Experts Say About Past Performance.

Best wishes.
Taylor
by Taylor Larimore
Tue Apr 21, 2015 6:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: 30 y/o looking for proper asset allocation
Replies: 15
Views: 1432

What experts say about "Stay-the-Course"

Bogleheads: "Stay-the-course" is very important for investment success. This is what experts say: Frank Armstrong, advisor and author of The Informed Investor : "Endless tinkering is unlikely to improve performance, and chasing last period's stellar achiever is a losing strategy."...
by Taylor Larimore
Tue Apr 21, 2015 5:47 pm
 
Forum: Investing - Theory, News & General
Topic: What experts say about "Stay-the-Course"
Replies: 4
Views: 1342

Re: "How much of your portfolio is in index funds, and why?"

is a money market fund an "index" fund?

Professor Emeritus:

No. Money market funds are not an index fund. I'm not certain, but I believe that all Vanguard funds that are pure index funds have the word "index" in their name.

Best wishes.
Taylor
by Taylor Larimore
Tue Apr 21, 2015 11:45 am
 
Forum: Investing - Theory, News & General
Topic: "How much of your portfolio is in index funds, and why?"
Replies: 56
Views: 4924

Re: evaluating two different portfolios in terms of risk/rew

I would like to do a risk/reward profile on both my current portfolio and their proposed portfolio.

Mucho dinero:

I think this Vanguard link will be helpful:

Develop a suitable asset allocation using broadly diversified funds

Best wishes.
Taylor
by Taylor Larimore
Tue Apr 21, 2015 10:43 am
 
Forum: Investing - Theory, News & General
Topic: evaluating two different portfolios in terms of risk/rewards
Replies: 3
Views: 338

"How much of your portfolio is in index funds, and why?"

Bogleheads: Morningstar has a homepage article by Assistant Site Editor, Adam Zell, asking readers: "We'd like to hear what percentage of your portfolio you hold in index funds and why. Whether you are all-active, all-passive, or somewhere in the middle, we want to know how you got there."...
by Taylor Larimore
Tue Apr 21, 2015 9:09 am
 
Forum: Investing - Theory, News & General
Topic: "How much of your portfolio is in index funds, and why?"
Replies: 56
Views: 4924

Re: Target Retirement 2040..Why 90% Equities?

I'm considering simplifying my IRA. I see many people advising the Target Retirement Funds. I'm 42 and looking at the Target Retirement 2040 but the 90% equity allocation is off putting. Any ideas why this fund is weighted this way? Seems to go against the general weighting rules of thumb. broadsto...
by Taylor Larimore
Tue Apr 21, 2015 7:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Target Retirement 2040..Why 90% Equities?
Replies: 14
Views: 1507

Balanced Index Fund?

When Jack Bogle is asked how many funds does a 100% index investor need. His answer is always the same. You can certainly do it with one and his choice is the Vanguard Balanced Index Fund. stemikger: Several problems with Vanguard Balanced Index Fund: * The stock/bond ratio (60% stocks/40% bonds) m...
by Taylor Larimore
Tue Apr 21, 2015 7:31 am
 
Forum: Investing - Help with Personal Investments
Topic: What are the best Vanguard Funds to buy?
Replies: 12
Views: 1655

Three Fund Portfolio or Target Funds for young investor.

kkeith1212: Welcome to the Bogleheads Forum! I am looking for a few funds to set up and forget about them. Wondering what few funds approximately 3-6 would give me a broad aggressive approach. Still very young and want to be as aggressive as possible, thanks for any input? Consider The Three Fund Po...
by Taylor Larimore
Mon Apr 20, 2015 9:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are the best Vanguard Funds to buy?
Replies: 12
Views: 1655

"Predicting the Past"

For those who are stats nerds: I am asking for the sill , nugget and range from a semivariance analysis . JZinCO: Is "sill" a new word? It is not listed in Investopedia. Thank you and best wishes. Taylor Sill is one of the parameters that decribes a variogram. JZinCO: You lost me. This po...
by Taylor Larimore
Mon Apr 20, 2015 6:49 pm
 
Forum: Investing - Theory, News & General
Topic: Temporal autocorrelation of stock/fund prices and movement
Replies: 30
Views: 1380

"Sill" ?

For those who are stats nerds: I am asking for the sill, nugget and range from a semivariance analysis
.
JZinCO:

Is "sill" a new word? It is not listed in Investopedia.

http://www.investopedia.com/terms/s/?page=8

Thank you and best wishes.
Taylor
by Taylor Larimore
Mon Apr 20, 2015 5:40 pm
 
Forum: Investing - Theory, News & General
Topic: Temporal autocorrelation of stock/fund prices and movement
Replies: 30
Views: 1380

Re: Question? Invest home deposit in funds?

kkeith1212:

Money that will be needed in 1-3 years should not be invested in the stock market.

In October, 1987, the Dow Jones Industrials plunged -22.6% in one day.

Best wishes
Taylor
by Taylor Larimore
Mon Apr 20, 2015 5:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question? Invest home deposit in funds?
Replies: 4
Views: 156

Re: 30 y/o looking for proper asset allocation

30% VTI - total market [thinking of a small cap value tilt] 20% Emerging markets [I think EAFE's have as much risk right now lol] 20% REITs 20% Long Bonds [suicidal interest rates for the duration, I know] 10% Gold [polarizing I know] Hobotrader: Compare your intended portfolio with The Three Fund ...
by Taylor Larimore
Mon Apr 20, 2015 4:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: 30 y/o looking for proper asset allocation
Replies: 15
Views: 1432

Re: Tempted to stay with Chase

As a Chase Private Client, her self directed brokerage account would incur no charges whatsoever (no management or transaction fees). Furthermore, we would have access to him as an advisor and have available a complete financial assessment for free when needed. Johnhello: There is no "free lun...
by Taylor Larimore
Mon Apr 20, 2015 3:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tempted to stay with Chase - self directed account
Replies: 16
Views: 934

Re: Has anyone changed their asset allocation

It's a tough investment climate in that bonds are going to certainly return less going forward, yet stocks seemed to be reaching frothy territory. Has anyone here changed their asset allocation due to what seems like a long running and possibly tired bull market. I know no one knows if and when it ...
by Taylor Larimore
Mon Apr 20, 2015 2:34 pm
 
Forum: Investing - Theory, News & General
Topic: Has anyone changed their asset allocation
Replies: 58
Views: 3390

Consumer Reports April Car Issue

Here’s our background in case you are interested: http://www.bogleheads.org/forum/viewtopic.php?f=11&t=163898 We are now thinking about an Audi A3 or Audi Q3. Or possibly a BMW 228i x. We are pretty sure we need all-wheel-drive because we live in a very snowy area and have experienced the joy o...
by Taylor Larimore
Mon Apr 20, 2015 2:18 pm
 
Forum: Personal Consumer Issues
Topic: “Entry level” luxury cars under 40k
Replies: 93
Views: 7912

Re: Jack Bogle books at 50% discount for Bogleheads

Bogleheads: These are valuable excerpts (I call "Gems") from John Bogle on Investing : Many Princetonians paved the way for my career. The first was Charles Nichols who lent me $60 to pay the General Fee required before I could enroll. (I repaid him shortly after I went to work following m...
by Taylor Larimore
Mon Apr 20, 2015 12:58 pm
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle books at 50% discount for Bogleheads
Replies: 13
Views: 2734

Economies of scale ?

Will the three funds eventually become so large that they become expensive to operate, or do economies of scale continue to be an advantage at any fund size. gasdoc: The "economies of scale" are a significant advantage in lowering the cost of a mutual fund. Vanguard's Total U.S. Stock Mar...
by Taylor Larimore
Mon Apr 20, 2015 10:03 am
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1069
Views: 490552

Re: Jack Bogle books at 50% discount for Bogleheads

Bogleheads: I own (and have read) all of Mr. Bogle's books. They are the source of much of what I know about investing and the primary reason I am enjoying a comfortable retirement. "John Bogle on Investing" is a beautiful (blue and gold) book dedicated (in part) to the Bogleheads with the...
by Taylor Larimore
Mon Apr 20, 2015 8:32 am
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle books at 50% discount for Bogleheads
Replies: 13
Views: 2734

Re: Single best piece of personal finance advice ever receiv

Bogleheads:

The best piece of personal finance advice I received was to read Jack Bogle's first book, Bogle on Mutual Funds.

Best wishes.
Taylor
by Taylor Larimore
Sun Apr 19, 2015 10:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Single best piece of personal finance advice ever received?
Replies: 90
Views: 6846

Re: Qualified dividends in international funds

Why do total international funds consistently have a dramatically lower percentage of qualified dividends than total US funds? Vanguard Total International, for instance, hovers around 70%, while Vanguard Total Stock hovers around 100%. I am aware that dividends from a few countries are not eligibl...
by Taylor Larimore
Sun Apr 19, 2015 9:16 pm
 
Forum: Investing - Theory, News & General
Topic: Qualified dividends in international funds
Replies: 11
Views: 526

Re: Fidelity Freedom® 2045 Fund FFFGX VS FIOFX ?

Correction, she will switch it ASAP. :wink:

Lady Geek:

Excellent point!

Thank you and best wishes.
Taylor
by Taylor Larimore
Sun Apr 19, 2015 8:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Freedom® 2045 Fund FFFGX VS FIOFX ?
Replies: 9
Views: 419

Exchange now.

Grover:
So I guess the difference FFGX is actively managed the FIOFX is index fund . I should switch it to FIOFX .

I would do it the first thing in the morning.

Best wishes.
Taylor
by Taylor Larimore
Sun Apr 19, 2015 8:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Freedom® 2045 Fund FFFGX VS FIOFX ?
Replies: 9
Views: 419

Re: The Three Fund Portfolio

gasdoc:

My stock funds were purchased long ago and are taxable. Selling or exchanging them now would trigger large capital gains which will be tax-free at my death (I'm 91). If I could start over I would own The Three Fund Portfolio.

Best wishes.
Taylor
by Taylor Larimore
Sun Apr 19, 2015 7:44 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1069
Views: 490552

Re: Ameriprise commissions

I'm not familiar with Ameriprise, are these folks commission based? Barefootgirl: This is from the Amariprise website: A portion of the fees charged for our products and services go to financial advisors in the form of commissions. The amount varies based on each financial advisor's type and level ...
by Taylor Larimore
Sun Apr 19, 2015 4:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Who is Ameriprise? Got invitation from a financial advisor]
Replies: 32
Views: 2833

"The Bogleheads' Guide to Retirement Planning"

I'd love to find some books/references on planning now for a tax efficient way to set things up while I still have a little time. reneeh63: I know of no better book than our own Bogleheads' Guide to Retirement Planning . You can read a sample of its valuable quotes here (I call them "Gems"...
by Taylor Larimore
Sun Apr 19, 2015 3:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax planning to prepare for retirement
Replies: 2
Views: 333

My Toyota Corolla

truenorth418:

A few years ago I sold my Toyota Corolla. It helped send us on a world cruise!

Best wishes.
Taylor
by Taylor Larimore
Sun Apr 19, 2015 2:39 pm
 
Forum: Personal Consumer Issues
Topic: Marginal benefit of spending more on car
Replies: 67
Views: 4730

A Million Dollar Car

So my question to you Bogleheads is: at each price point, what's the marginal benefit of spending more on a car? aabb: Despite the billions of dollars spent on marketing by automobile manafacturers, try to remember that a car is primarily to get from A to B. Nearly all cars do the job very well--ce...
by Taylor Larimore
Sun Apr 19, 2015 2:27 pm
 
Forum: Personal Consumer Issues
Topic: Marginal benefit of spending more on car
Replies: 67
Views: 4730

A real bear market -- What it is like.

That’s why Mr. Bernstein recommends that young investors start with a portfolio that’s roughly 50% stocks (split evenly between foreign and domestic) and 50% U.S. bonds until they experience their first bear market. “Then you see how you respond and you learn what your actual risk tolerance is,” he...
by Taylor Larimore
Sun Apr 19, 2015 12:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Coming to terms with low risk tolerance
Replies: 46
Views: 3447

Re: Anyone had the Personal Capital complementary review yet

walletless wrote:My Personal Capital representative has been calling me for a while for a complementary review of my investment.

Walletless:

There is no "free lunch" in investing. You are the target of a salesperson seeking commissions from your earnings.

Best wishes.
Taylor
by Taylor Larimore
Sun Apr 19, 2015 11:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Anyone had the Personal Capital complementary review yet?
Replies: 15
Views: 2190

"Dancing on the head of a pin"

I think we have found ourselves in that far off place Taylor can spot from a mile away: dancing on the head of a pin!

iceport:

I was thinking exactly those words.

Best wishes.
Taylor
by Taylor Larimore
Sun Apr 19, 2015 11:15 am
 
Forum: Investing - Theory, News & General
Topic: VTIAX or VTMGX and VEMAX
Replies: 30
Views: 2743

Re: a consensus? (Bonds in different accounts)

Dandy:

You are correct and made me rethink and delete my post above.

Thank you and best wishes.
Taylor
by Taylor Larimore
Sun Apr 19, 2015 10:54 am
 
Forum: Investing - Theory, News & General
Topic: a consensus? (Bonds in different accounts)
Replies: 20
Views: 1377

Deleted

Deleted.
by Taylor Larimore
Sun Apr 19, 2015 9:14 am
 
Forum: Investing - Theory, News & General
Topic: a consensus? (Bonds in different accounts)
Replies: 20
Views: 1377

Suggested links

sam.thode: Welcome to the Bogleheads Forum! It appears to me that you are considering two bad choices--especially the "Financial Representative" 16 fund plan. I wonder if you understand the futility of picking funds based on past performance? It is such a bad idea that the government requi...
by Taylor Larimore
Sat Apr 18, 2015 7:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to analyze portfolio recommendations
Replies: 13
Views: 691
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