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Vanguard Growth and Value Indexes -- 22 year performance

What happens to that chart if large Value is figured in? Value is more than just small cap. rustymutt: Vanguard opened two large-cap index funds; Growth Index (VIGRX) and Value Index (VIVAX) on the the same day in 1992. This is what happened as of 9/30/2014 (similar returns): ----------------------...
by Taylor Larimore
Mon Nov 24, 2014 10:41 am
 
Forum: Investing - Theory, News & General
Topic: Small cap value premium
Replies: 95
Views: 5795

What happens in a bad bear market

CuriousAaron:

You may find my experience, written near the bottom of a bad bear market, helpful:

A Personal Story About Investor Behavior

Best wishes.
Taylor
by Taylor Larimore
Mon Nov 24, 2014 9:46 am
 
Forum: Investing - Theory, News & General
Topic: Freakonomics approach to 401(k) choices
Replies: 24
Views: 1976

"The last refuge of the scoundrel"

They offer access to hedge funds with much smaller minimums to further "diversify portfolios".

sibnoob:
Diversification is the last refuge of the scoundrel. -- Jack Bogle

Best wishes
Taylor
by Taylor Larimore
Sun Nov 23, 2014 9:40 pm
 
Forum: Investing - Theory, News & General
Topic: slicedinvesting.com : access to hedge funds
Replies: 4
Views: 354

Re: order of investing?

Youkai: I don't know what list you are using. This is a priority list from our Boglehead wiki: The general rule for investing priority is: Company plan (401k, 403b, etc.) up to the company match Health Savings Account, if eligible.[1][footnotes 1] Roth IRA or deductible traditional IRA up to maximum...
by Taylor Larimore
Sun Nov 23, 2014 8:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: order of investing?
Replies: 16
Views: 753

Re: Small cap value premium

But if you are only paying 25bp or less (and in some cases you gain 7bp per year for holding SCV) you don't need much factor persistence to make the SCV fund better than the S&P 500. Packer 16: Personally, I would sleep better knowing I was invested in the S&P 500 companies which are among ...
by Taylor Larimore
Sun Nov 23, 2014 8:08 pm
 
Forum: Investing - Theory, News & General
Topic: Small cap value premium
Replies: 95
Views: 5795

Nice post!

I would say it is time to start reading about the basics of investing and diversification. To sum it up, the BEST any good investor can hope for is their index funds they are invested in will mimic the actual performance of the benchmark(s) they represent minus fees. So SP500 fund will ALWAYS do be...
by Taylor Larimore
Sun Nov 23, 2014 7:49 pm
 
Forum: Investing - Theory, News & General
Topic: Freakonomics approach to 401(k) choices
Replies: 24
Views: 1976

Michael LeBeouf

Hi Marjimmy, Before indulging yourself in conspicuous consumption, I suggest you read this small column written by someone who is just slightly older than you are: http://www.fool.com/investing/general/2013/06/20/wealth-is-what-you-dont-see.aspx Marjimmy: "mlebuf" is Michael LeBoeuf, co-a...
by Taylor Larimore
Sun Nov 23, 2014 4:51 pm
 
Forum: Personal Consumer Issues
Topic: 23 year old... Can I afford a Rolex?
Replies: 134
Views: 6956

Past performance and diversification

CuriousAaron: Welcome to the Bogleheads Forum! If you look at a comparison of the Vanguard 2055 lifecycle fund (retiring in 2055) vs the Vanguard 500 Index fund (S&P 500) for this year, you find this: The lifecycle fund has had a YTD return (as of 9/30/2014) of 4.78% The Vanguard 500 Index fund ...
by Taylor Larimore
Sun Nov 23, 2014 4:33 pm
 
Forum: Investing - Theory, News & General
Topic: Freakonomics approach to 401(k) choices
Replies: 24
Views: 1976

Re: Help: Three Fund Portfolio at Fidelity

Of the 3 funds (Total US Stocks, International Stocks, Total Bonds), am I correct to say that the Total Bond Index Fund is the least Tax Efficient? If so, I would clearly want the Bonds in at least one of my tax advantage accounts at all times, but does one (Roth or 401k) help curb the slight tax i...
by Taylor Larimore
Sun Nov 23, 2014 3:53 pm
 
Forum: Investing - Theory, News & General
Topic: Help: Three Fund Portfolio at Fidelity
Replies: 25
Views: 2069

Re: Vanguard Funds Outperform Peer Group

RM:
How are you getting that statistic?

Your interpretation is correct.

Thank you and best wishes.
Taylor
by Taylor Larimore
Sun Nov 23, 2014 3:23 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Funds Outperform Peer Group
Replies: 9
Views: 860

Re: Help Creating the most tax efficient allocation with $10

Jon: It is important to know your income tax bracket and the amount of capital gains in each fund you want to sell. If you are old or in poor health, it is often better to not sell unwanted securities with large capital gains because the capital-gain tax will be eliminated at death. Best wishes. Tay...
by Taylor Larimore
Sun Nov 23, 2014 2:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help Creating the most tax efficient allocation with $100k
Replies: 4
Views: 450

Re: Vanguard Funds Outperform (risk and return) Peer Group

Toons:

Not only are Vanguard's stock, bond and balanced funds in the top 10% of all funds for 10-year returns, we also know that index funds have less risk than managed funds.

Thank you, Vanguard (and Jack Bogle) !

Best wishes.
Taylor
by Taylor Larimore
Sun Nov 23, 2014 2:20 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Funds Outperform Peer Group
Replies: 9
Views: 860

100%

What percent "Boglehead" are you? RunningRad: The Boglehead Philosophy: 1 Develop a workable plan 2 Invest early and often 3 Never bear too much or too little risk 4 Diversify 5 Never try to time the market 6 Use index funds when possible 7 Keep costs low 8 Minimize taxes 9 Invest with si...
by Taylor Larimore
Sun Nov 23, 2014 1:56 pm
 
Forum: Investing - Theory, News & General
Topic: What percent "Boglehead" are you?
Replies: 95
Views: 4309

Duplicate portfolios?

I hold international in both my 401k and Roth. My allocation is for the most part the same for both. New2Bogle2: Your 401k and Roth IRA are both tax-advantaged accounts so it is hard to be wrong. It is usually better to consider all your accounts as one portfolio. The result is fewer (and larger) f...
by Taylor Larimore
Sun Nov 23, 2014 12:46 pm
 
Forum: Investing - Theory, News & General
Topic: Help: Three Fund Portfolio at Fidelity
Replies: 25
Views: 2069

Words of wisdom.

Every time we yearn for something we cannot afford, we grow poorer, whatever our resources. And every time we feel satisfied with what we have, we can be counted as rich. -- Alain de Botton

Best wishes.
Taylor
by Taylor Larimore
Sun Nov 23, 2014 12:30 pm
 
Forum: Personal Consumer Issues
Topic: 23 year old... Can I afford a Rolex?
Replies: 134
Views: 6956

Re: 23 year old... Can I afford a Rolex?

Marjimmy:

I owned a Rolex "Oyster" watch I purchased in Switzerland many years ago. I much prefer my Timex with its many features and without worry about being attacked or robbed.

Best wishes.
Taylor
by Taylor Larimore
Sun Nov 23, 2014 10:17 am
 
Forum: Personal Consumer Issues
Topic: 23 year old... Can I afford a Rolex?
Replies: 134
Views: 6956

Re: 23 year old... Can I afford a Rolex?

Mr. Bogle wears a $12 watch given to him by a friend when he was in the hospital awaiting his heart transplant.

Best wishes.
Taylor
by Taylor Larimore
Sun Nov 23, 2014 9:34 am
 
Forum: Personal Consumer Issues
Topic: 23 year old... Can I afford a Rolex?
Replies: 134
Views: 6956

Re: 23 year old... Can I afford a Rolex?

Marjimmy:

Put the $5,000 in a Roth IRA earning 8% and you will have $126,697.41 when you are age 65.

This should be an easy choice.

Best wishes.
Taylor
by Taylor Larimore
Sat Nov 22, 2014 5:10 pm
 
Forum: Personal Consumer Issues
Topic: 23 year old... Can I afford a Rolex?
Replies: 134
Views: 6956

When authorities disagree . .

My main question is, what are everyone's thoughts on diversifying their bond holdings among different types of bonds?
\
nspayne17:

When authorities disagree it is often because there is no foreseeable difference.

Best wishes.
Taylor
by Taylor Larimore
Sat Nov 22, 2014 4:00 pm
 
Forum: Investing - Theory, News & General
Topic: Diversification among Bonds?
Replies: 32
Views: 2806

Simplicity

Dandy wrote:It is important to strive for simplicity

Why?

Dandy:

Please use the link in my signature below.

Best wishes.
Taylor
by Taylor Larimore
Sat Nov 22, 2014 8:22 am
 
Forum: Investing - Theory, News & General
Topic: Diversification among Bonds?
Replies: 32
Views: 2806

Re: What would be the investing strategy for a coming crash?

Obviously some economists do believe it is possible to predict busts.

Nile98:

"There are two types of forecasters; those who don't know and those who don't know they don't know." -- John Kenneth Galbraith

Best wishes.
Taylor
by Taylor Larimore
Fri Nov 21, 2014 10:08 pm
 
Forum: Investing - Theory, News & General
Topic: What would be the investing strategy for a coming crash?
Replies: 51
Views: 3910

Re: The Bogleheads Have Taken Over

On The Bogleheads' Guide to Retirement Planning - is this book aimed toward the accumulation or distribution phase? It seems it's similar to The Bogleheads' Guide to Investing but more focused specifically on retirement accounts? Was reading Amazon description and was trying to put it all together ...
by Taylor Larimore
Fri Nov 21, 2014 9:54 pm
 
Forum: Investing - Theory, News & General
Topic: The Bogleheads Have Taken Over
Replies: 8
Views: 2231

Re: Diversification among Bonds?

My main question is, what are everyone's thoughts on diversifying their bond holdings among different types of bonds? nspayne17: In my opinion, ANY low-cost, good quality, diversified short- or intermediate-term bond fund will do the job of providing safety in a portfolio. It is more efficient to u...
by Taylor Larimore
Fri Nov 21, 2014 6:31 pm
 
Forum: Investing - Theory, News & General
Topic: Diversification among Bonds?
Replies: 32
Views: 2806

Re: Past and Future returns

I don't see the next 15 years providing the returns of the past 15 years. This table includes the past 15 year asset-class returns for the period ending 6-30-00: Just to clarify if I may, are these results for the period starting 6-30-00? Or are these '85-2000? Nicely formatted table by the way! in...
by Taylor Larimore
Fri Nov 21, 2014 5:38 pm
 
Forum: Investing - Theory, News & General
Topic: Small cap value premium
Replies: 95
Views: 5795

"If You Can" Free Again, Starting Tomorrow

Bill:

Thank you for your contribution of this fine book.

I have included important excerpts from If You Can in my "Collection of Investment Gems":

If You Can

Best wishes.
Taylor
by Taylor Larimore
Fri Nov 21, 2014 5:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: If You Can Free Again, Starting Tomorrow
Replies: 4
Views: 1483

"Are You an Irrational Investor? Here’s How to Tell"

Bogleheads:

Allan Roth, an author and Boglehead who writes the finance articles for AARP magazine, asks:

Are You an Irrational Investor? Here's How to Tell

Best wishes.
Taylor
by Taylor Larimore
Fri Nov 21, 2014 5:14 pm
 
Forum: Investing - Theory, News & General
Topic: "Are You an Irrational Investor? Here’s How to Tell"
Replies: 13
Views: 1788

Past and Future returns

I don't see the next 15 years providing the returns of the past 15 years. This table includes the past 15 year asset-class returns for the period ending 6-30-00: Style.......1 Yr...3 Yrs.....5 Yrs...10 Yrs...15 Yrs. LCG......27.19...27.04....24.98...17.85....17.15 LCB........8.93...17.29....20.35.....
by Taylor Larimore
Fri Nov 21, 2014 1:40 pm
 
Forum: Investing - Theory, News & General
Topic: Small cap value premium
Replies: 95
Views: 5795

Re: New Investor (23), Switch from Vanguard Target Retiremen

Create a three-fund portfolio that is 35% Total Stock Market Index Fund Admiral Shares (Personal Account), 35% Total International Stock Index Fund Admiral Shares (Personal Account), 30% Total Bond Market Index Fund Admiral Shares (Roth IRA). briansfeldman: What you propose is the simple, sophistic...
by Taylor Larimore
Thu Nov 20, 2014 6:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Investor (23), Switch from Vanguard Target Retirement?
Replies: 6
Views: 875

The Merriman Funds ?

Bogleheads: I met Mr. Merriman long ago and was impressed enough to buy his book, Investing for a Lifetime. In his book, published in 1992, he refers to his three Merriman Funds: Merriman Timed Blue Chip Fund; Merriman Timed Capital Appreciation Fund ; and Merriman Timed Asset Allocation Fund. Does ...
by Taylor Larimore
Thu Nov 20, 2014 9:37 am
 
Forum: Investing - Theory, News & General
Topic: 10 Reasons why Merriman dislikes Total Stock Mkt
Replies: 88
Views: 8068

Re: Is investing more risky today today than before the inte

Victoria:

Nice post! The Bogleheads forum at its best!

Thank you and best wishes.
Taylor
by Taylor Larimore
Wed Nov 19, 2014 6:59 pm
 
Forum: Investing - Theory, News & General
Topic: Is investing more risky today today than before the internet
Replies: 30
Views: 2775

20 reasons TSM is now the world's largest mutual fund

10 Reasons why Merriman dislikes Total Stock Mkt Springman: Below are 20 Reasons why Vanguard's Total Stock Market Index Fund is now the largest mutual fund in the world: 1 Rated Gold (highest rating) by Morningstar analysts . 2 Broad diversification containing more U.S. stocks than any other mutua...
by Taylor Larimore
Wed Nov 19, 2014 5:05 pm
 
Forum: Investing - Theory, News & General
Topic: 10 Reasons why Merriman dislikes Total Stock Mkt
Replies: 88
Views: 8068

Jack's speech: The Telltale Chart

Why people keep bringing up the Telltale Chart when it is completely incorrect in its conclusions is beyond by grasp. Larry: I brought it up because I know that anything Mr. Bogle says is worth listening to. I had the honor of sitting next to Jack as he made the final revisions. Best wishes. Taylor
by Taylor Larimore
Wed Nov 19, 2014 9:13 am
 
Forum: Investing - Theory, News & General
Topic: Small cap value premium
Replies: 95
Views: 5795

Capitalization weighted or Asset weighted?

One purported minus of index funds is that since they are capitalization-weighted, they buy more of the stocks that are popular and have gone up a lot in value. In that sense, they chase winners. This does seem to be a form of running with the crowd. CAll_Me_Op: Running with the crowd or not, capit...
by Taylor Larimore
Tue Nov 18, 2014 10:45 pm
 
Forum: Investing - Theory, News & General
Topic: Why I Like Index Funds
Replies: 26
Views: 3894

The small-cap value premium ?

Private Farmer:

Mr. Bogle discusses the "small-cap value premium" (and much more) in this speech that many Bogleheads heard him give during our conference 12 years ago:

The Telltale Chart.

Best wishes.
Taylor
by Taylor Larimore
Tue Nov 18, 2014 5:51 pm
 
Forum: Investing - Theory, News & General
Topic: Small cap value premium
Replies: 95
Views: 5795

"Portfolio Valuations in Perspective"

Bogleheads:

This is the latest video in the Sensible Investing series:

Portfolio Valuations in Perspective

Best wishes.
Taylor
by Taylor Larimore
Tue Nov 18, 2014 12:08 pm
 
Forum: Investing - Theory, News & General
Topic: "Portfolio Valuations in Perspective"
Replies: 0
Views: 307

10 Worst Years for the S&P 500 Index

Just something to throw out there.With the internet and the digital age do you feel investing is more or less risky,or the same? hoops777: Below are listed the 10 Worst Years for the S&P 500 Index since 1930: 1931 -47.1% 1937 -38.6% 2008 -38.5% 1974 -29.7% 1930 -28.5% 2002 -23.4% 1941 -17.9% 19...
by Taylor Larimore
Tue Nov 18, 2014 11:37 am
 
Forum: Investing - Theory, News & General
Topic: Is investing more risky today today than before the internet
Replies: 30
Views: 2775

"Stay the course."

Coachz: No one in the mutual fund industry has a greater combination of impeccable character, knowledge, inventive genius, practical experience, wisdom, perseverance, literary ability, kindness, modesty, and the desire to help others than Jack Bogle. This is what he wrote in Common Sense on Mutual F...
by Taylor Larimore
Tue Nov 18, 2014 11:06 am
 
Forum: Investing - Theory, News & General
Topic: One Source to follow world markets ?
Replies: 26
Views: 1805

Wrong topic

I stick with 90% VT (total world stock) en and 10% BND (total bond market). Perhaps a value tilt in the future when a good total world value fund will become available for low cost. Why is it still not there?!! iw90qkmq: This thread is about The Three Fund Portfolio . Please ask your question HERE ...
by Taylor Larimore
Tue Nov 18, 2014 10:02 am
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 946
Views: 389688

Re: Why I Like Index Funds

Taylor, I think it would be helpful if you defined what index funds you are advocating for, is it just the three cap-weighted Vanguard funds in your three fund portfolio? There has been a proliferation of "indexes" that track all sorts of things, and many of them, like the Vix index (VXX)...
by Taylor Larimore
Tue Nov 18, 2014 9:30 am
 
Forum: Investing - Theory, News & General
Topic: Why I Like Index Funds
Replies: 26
Views: 3894

Three favorite index funds.

Bogleheads:

My three favorite index funds are in The Three Fund Portfolio

Best wishes.
Taylor
by Taylor Larimore
Mon Nov 17, 2014 5:18 pm
 
Forum: Investing - Theory, News & General
Topic: Why I Like Index Funds
Replies: 26
Views: 3894

William Bernstein's media recommendation.

coachz wrote:I have read it (Four Pillars of Investing). :-)
coachz:

Page 224 of Bill Bernstein's Four Pillars of Investing:
Do not read any more magazine or newspaper articles on finance, and, whatever you do, do not watch Wall Street Week, Nightly Business Report, or CNBC.

Best wishes
Taylor
by Taylor Larimore
Mon Nov 17, 2014 2:21 pm
 
Forum: Investing - Theory, News & General
Topic: One Source to follow world markets ?
Replies: 26
Views: 1805

Why I Like Index Funds

Bogleheads: Listed below are 15 reasons I like index funds: 1. Low cost: Research has shown that "low-cost" is the best predictor of future returns. Index funds have much lower costs than most managed funds. 2. Higher returns: Index funds (on average) have higher returns than managed funds...
by Taylor Larimore
Mon Nov 17, 2014 10:55 am
 
Forum: Investing - Theory, News & General
Topic: Why I Like Index Funds
Replies: 26
Views: 3894

What it is like to be poor.

generalzodschicken

Because of your link, I will never look at the poor the same way.

Thank you and best wishes.
Taylor
by Taylor Larimore
Sun Nov 16, 2014 10:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: How Not to Retire
Replies: 67
Views: 6891

Past Performance ?

Jeff: Welcome to the Bogleheads forum! "Also, a proven track record is as sound an investing basis as many, imo." Sorry, past performance is NOT a "sound investment basis" as these experts attest: Jack Bogle: "The biggest mistake investors make is looking backward at perform...
by Taylor Larimore
Sun Nov 16, 2014 9:51 pm
 
Forum: Investing - Theory, News & General
Topic: VWINX (Wellesley Inc.)
Replies: 44
Views: 4867

Re: portfolio allocation

Wells Fargo Private Bank gave me a proposed allocation which included things that I'm not really interested in implementing since I don' t know how to such as Event Driven hedge, EquityHedge, and Commodities so I just upped some of the other classes to account for them early30s: Welcome to the Bogl...
by Taylor Larimore
Sun Nov 16, 2014 9:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: portfolio allocation
Replies: 8
Views: 980

The "pulse" of world financial markets?

Why is it that you want to keep your finger "on the pulse" of world financial markets?

Asset_chaos:

Thank you for a very good question I would like to see answered.

Best wishes.
Taylor
by Taylor Larimore
Sun Nov 16, 2014 9:05 pm
 
Forum: Investing - Theory, News & General
Topic: One Source to follow world markets ?
Replies: 26
Views: 1805

Premiums can be raised on long-term care policies.

So now they've got this boat anchor of old policies that is dragging them down. Bogleheads: I don't understand why Genworth's long-term care policies are "dragging them down." It is my understanding that long-term care policies have a clause in their contracts allowing them to raise futur...
by Taylor Larimore
Sun Nov 16, 2014 8:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: "The dangers of long-term care insurance"
Replies: 132
Views: 12915

Re: Taylor Larimore, My Favorite Teacher

Michael (my co-author) and others who replied:

Unless you are as old as I am (90), you have no idea how much it means to me to have a former student or Boglehead remember and thank me for lessons learned.

Best wishes.
Taylor
by Taylor Larimore
Sun Nov 16, 2014 8:28 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Taylor Larimore, My Favorite Teacher
Replies: 13
Views: 2005

Need more information

Waterman:

It would be helpful if you would list each of your funds showing it's percentage of your total portfolio and indicating if the fund is in a taxable or tax-advantaged account (IRA, 401K, etc.). Use the format here: ASKING PORTFOLIO QUESTIONS

Thank you and best wishes.
Taylor
by Taylor Larimore
Sun Nov 16, 2014 3:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond Selection in Core 4 Portfolio
Replies: 6
Views: 437
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