Search found 18155 matches

by Taylor Larimore
Tue Jul 07, 2015 8:16 pm
Forum: Investing - Theory, News & General
Topic: How many Bogleheads tilt Value?
Replies: 44
Views: 2334

Small Cap Value ?

I've just finished reading Paul Merriman's work. As well as Rick Ferri. These guys strongly believe in value stocks and small cap value stocks. They present some pretty strong evidence that returns can be several percentage points higher than the Total Stock Market Index over the long term. ajacobs...
by Taylor Larimore
Tue Jul 07, 2015 7:27 pm
Forum: Investing - Theory, News & General
Topic: How many Bogleheads tilt Value?
Replies: 44
Views: 2334

When experts disagree.

I've just finished reading Paul Merriman's work. As well as Rick Ferri. These guys strongly believe in value stocks and small cap value stocks. They present some pretty strong evidence that returns can be several percentage points higher than the Total Stock Market Index over the long term However,...
by Taylor Larimore
Tue Jul 07, 2015 5:41 pm
Forum: Investing - Theory, News & General
Topic: Robert Shiller's Continuing Demise
Replies: 18
Views: 2805

Re: Greek stocks and fund diversification.

normaldude wrote:
Taylor Larimore wrote:For the record, Vanguard's Total International Index Fund holds 0.01% Greek stocks.


Actually, it's 0.1%, not 0.01%.

normaldude:

Thank you for the correction. I have edited my post.

Best wishes.
Taylor
by Taylor Larimore
Tue Jul 07, 2015 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: Why US market is falling due to Greece crisis?
Replies: 14
Views: 1041

Are US markets falling?

rambalachandran: Welcome to the Bogleheads Forum! I'm kind of curious to learn why US markets are falling due to Greece - I'm not sure the US markets are falling. Vanguard's Total Market Index Fund (VTSMX) is UP +2% year-to-date. It is also helpful to know that Greece is only 0.01% of Vanguard's Tot...
by Taylor Larimore
Tue Jul 07, 2015 4:44 pm
Forum: Investing - Theory, News & General
Topic: "Vanguard's recommended international allocation."
Replies: 22
Views: 2049

Re: "Vanguard's recommended international allocation."

For the layman here, is your 15 - 20% International referencing % of int'l stocks in your overall stock holdings or total portfolio?

aspin:

The international stock percentage should be a percentage of the total stocks--not the percentage of the total portfolio.

Best wishes.
Taylor
by Taylor Larimore
Tue Jul 07, 2015 3:59 pm
Forum: Investing - Theory, News & General
Topic: Worlds' largest funds
Replies: 0
Views: 158

Worlds' largest funds

Bogleheads: Today's Wall Street Journal ranks the "Largest Stock and Balanced Funds." Largest U.S. Stock Fund: Vanguard Total Stock Market Index Fund (VTSAX). Largest International Stock Fund: Vanguard Total International Stock Index Fund (VGTSX) Vanguard Total Bond Market Index Fund (VBMF...
by Taylor Larimore
Tue Jul 07, 2015 3:16 pm
Forum: Investing - Theory, News & General
Topic: Robert Shiller's Continuing Demise
Replies: 18
Views: 2805

Greek stocks and fund diversification.

Bogleheads:

For the record, Vanguard's Total International Index Fund holds 0.1% Greek stocks. The fund is up 5.23% Year-To-Date. A good example why investors in Total Market Index Funds sleep better. :happy

Best wishes.
Taylor
by Taylor Larimore
Tue Jul 07, 2015 2:31 pm
Forum: Investing - Help with Personal Investments
Topic: Thanks to Forum Administrators
Replies: 15
Views: 1309

Re: Thanks to Forum Administrators

Steelersfan wrote:Far and away the best moderated board there is.

Thanks for your never ending effort.

Steelersfan:

Our moderators are a primary reason we are now the largest non-commercial financial forum on the internet!

Best wishes.
Taylor
by Taylor Larimore
Tue Jul 07, 2015 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to invest in OIL
Replies: 25
Views: 1160

Oxymoron ?

I am not trying to time the market but the price seems right to invest.


Isn't this an oxymoron ? :wink:

Best wishes.
Taylor
by Taylor Larimore
Tue Jul 07, 2015 11:39 am
Forum: Investing - Help with Personal Investments
Topic: Suitability of FSDGX for personal investment account
Replies: 14
Views: 544

Re: Suitability of FSDGX for personal investment account

Is FSDGX tax-efficient?

Starguru:

Yes. FSDGX (Fidelity Spartan® Global ex US, Index Advantage) fund can go in a taxable or tax-advantaged account.

This fund should be a good choice for International allocation in a portfolio.

Best wishes.
Taylor
by Taylor Larimore
Tue Jul 07, 2015 11:03 am
Forum: Investing - Theory, News & General
Topic: Age in Bonds Revisited: Vanguard Target Fund uses 90% Equities until Age 40?!?
Replies: 15
Views: 990

Re: Age in Bonds Revisited: Vanguard Target Fund uses 90% Equities until Age 40?!?

I apologize if this is old news, but I realized that the Vanguard Target Funds are using 90/10 stock/bond allocation until age 40 (assuming retiring at age 65). That's way more aggressive from the "age in bonds rule". I'm currently in my early 30s, and I do a 80/20 stock/bond allocation, ...
by Taylor Larimore
Tue Jul 07, 2015 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Suitability of FSDGX for personal investment account
Replies: 14
Views: 544

Re: Suitability of FSDGX for personal investment account

Again, the main question is whether its a bad idea to purchase this fund in a personal investment account because of tax concerns, or just in general . Conversely, is it a good idea to have international holdings in a personal account? starguru: I think we have a problem of definition. "Person...
by Taylor Larimore
Mon Jul 06, 2015 4:31 pm
Forum: Investing - Theory, News & General
Topic: Forbes: "Dealing With A Lousy 401K Plan"
Replies: 4
Views: 667

Forbes: "Dealing With A Lousy 401K Plan"

Bogleheads: Mel Lindauer, co-author of The Bogleheads' Guide to Investing and The Bogleheads' Guide to Retirement Planning , has written an article for Forbes about what to do if you have a "lousy" 401K plan. He begins with a link to this forum. Dealing With A Lousy 401K Plan Best wishes. ...
by Taylor Larimore
Mon Jul 06, 2015 4:02 pm
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1139
Views: 540352

The word is out

Bogleheads: Today, Morningstar posted a very positive article about Vanguard. This is what they said about the three funds in The Three Fund Portfolio : Although Vanguard recently has launched a few new offerings, most of the money has gone to existing, broad-based funds, including Vanguard Total In...
by Taylor Larimore
Mon Jul 06, 2015 12:51 pm
Forum: Forum Issues and Administration
Topic: [Forum running slow]
Replies: 43
Views: 1922

Re: SLOW

Bogleheads: I received this e-mail from Larry Auton, the technical wizard behind this wonderful forum: I see that it's slow but I haven't identified the root cause. I see that the CPU on the primary server, i.e., the one running the databases, is 100% busy. I am in meetings today but I'll do more in...
by Taylor Larimore
Mon Jul 06, 2015 11:49 am
Forum: Forum Issues and Administration
Topic: [Forum running slow]
Replies: 43
Views: 1922

Re: SLOW

Bogleheads:

I've sent an e-mail to both Alex Frakt and Larry Auton, owners of this non-commercial forum.

Best wishes.
Taylor
by Taylor Larimore
Mon Jul 06, 2015 11:23 am
Forum: Investing - Theory, News & General
Topic: Morningstar: "Top Honors Go to Vanguard and Its Strong Culture"
Replies: 6
Views: 688

Morningstar: "Top Honors Go to Vanguard and Its Strong Culture"

[Thread merged into here, see below. --admin LadyGeek] Bogleheads: Morningstar is featuring a very favorable report about Vanguard. These are excerpts: "Vanguard boasts the largest number of Gold-rated funds." "None of Vanguard's funds under coverage are rated Negative and just six a...
by Taylor Larimore
Mon Jul 06, 2015 10:38 am
Forum: Forum Issues and Administration
Topic: [Forum running slow]
Replies: 43
Views: 1922

SLOW

[Thread merged into here, see below. --admin LadyGeek]

Administrators:

I am sorry to bother you, but getting on the forum and posting are VERY SLOW this morning.

Thank you and best wishes
Taylor
by Taylor Larimore
Mon Jul 06, 2015 9:52 am
Forum: Investing - Theory, News & General
Topic: "Helping Your Parents Financially"
Replies: 7
Views: 1310

"Helping Your Parents Financially"

Bogleheads:

Many Bogleheads are faced with the problem of helping our parents with their financial problems. Boglehead author and adviser, Jim Dahle, has written the best article on the subject I have ever read. This is a link:

Helping Your Parents Financially

Best wishes.
Taylor
by Taylor Larimore
Mon Jul 06, 2015 9:27 am
Forum: Investing - Theory, News & General
Topic: Paul Merriman on Market Timing
Replies: 82
Views: 5135

Mr. Bogle on Market Timing

Bogleheads: When I am tempted to market-time I remember these words of wisdom from our mentor, Jack Bogle: "After nearly 50 years in this business, I do not know of anybody who has done market timing successfully and consistently. I don't even know anybody who knows anybody who has done it succ...
by Taylor Larimore
Sun Jul 05, 2015 9:22 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman on Market Timing
Replies: 82
Views: 5135

Definition of "Market Timing"

Bogleheads: I copied this from the Investopedia website: DEFINITION of 'Market Timing' 1. The act of attempting to predict the future direction of the market, typically through the use of technical indicators or economic data. 2. The practice of switching among mutual fund asset classes in an attemp...
by Taylor Larimore
Sun Jul 05, 2015 3:23 pm
Forum: Investing - Theory, News & General
Topic: Something I Still Don't Understand
Replies: 12
Views: 1716

"Buy the haystack"

mkbchi: Welcome to the Bogleheads Forum! Shouldn't we all pretty much be investing in the same index fund, whichever one has provided the highest returns in the past however many years? Past performance is such a lousy guide to future performance that the government requires mutual fund companies to...
by Taylor Larimore
Sun Jul 05, 2015 2:03 pm
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1139
Views: 540352

Allocating within The Three Fund Portfolio

Martin: Welcome to the Bogleheads Forum! Mr. Taylor, I am new to this thread and see there are thousands of responses about the Three Fund Portfolio. I am sure it has been stated hundreds of times, but can you quickly clarify the portfolio and is this it? These are the 10-year dollar and (annualized...
by Taylor Larimore
Sun Jul 05, 2015 1:27 pm
Forum: Personal Consumer Issues
Topic: Bernstein - ["Against the Gods" versus] Nassim Taleb
Replies: 7
Views: 1448

Re: Bernstein - ["Against the Gods" versus] Nassim Taleb

Kayanco: Many years ago I was browsing the financial bookshelves of the Coconut Grove Library in Miami. A stranger walked up and asked me if he could help me. It was advisor, Frank Armstrong, who had his own forum at Morningstar. I asked Mr. Armstrong if he had a book recommendation. Without hesitat...
by Taylor Larimore
Sun Jul 05, 2015 11:51 am
Forum: Investing - Theory, News & General
Topic: Paul Merriman on Market Timing
Replies: 82
Views: 5135

Re: Paul Merriman on Market Timing

Bogleheads:

To be a successful investor, it is helpful to remember these words by Upton Sinclair:
"It is difficult to get a man to understand something, when his salary depends upon his not understanding it!"

Best wishes.
Taylor
by Taylor Larimore
Sun Jul 05, 2015 10:25 am
Forum: Personal Finance (Not Investing)
Topic: financial adviser told me not to invest too much in 401k
Replies: 88
Views: 9037

Another embarrassing mistake

I think the person the original poster met with may have been an insurance agent rather than a financial advisor. Insurance agents never call themselves "insurance agent." "Life Insurance Underwriter" was on my calling card when I sold insurance in the 50s. Another one of my emb...
by Taylor Larimore
Sat Jul 04, 2015 7:30 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman on Market Timing
Replies: 82
Views: 5135

"Why Market Timing Doesn't Work" by Paul Merriman

Bogleheads: "I don’t think more than perhaps one in 100 investors will be successful using timing." -- Paul Merriman More advice: Don’t try to do it yourself unless you are certain you can carry out an ironclad discipline through thick and thin. I promise you this: Timing’s short-term resu...
by Taylor Larimore
Sat Jul 04, 2015 2:09 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman on Market Timing
Replies: 82
Views: 5135

Bad Advice

It's just as easy to apply market timing to bonds as well as to stocks. Bogleheads: I strongly urge you to ignore the above advice. The author is a very nice man but suggesting that it is " easy to apply market timing to bonds as well as to stocks" is simply wrong as Mr. Bogle and other e...
by Taylor Larimore
Sat Jul 04, 2015 7:13 am
Forum: Investing - Theory, News & General
Topic: Possible new lazy portfolio?
Replies: 58
Views: 6324

Return vs. Volatility

Bogleheads:

Never forget:
A point of excess return is priceless; one point of additional Standard Deviation is meaningless. -- Jack Bogle

Best wishes.
Taylor
by Taylor Larimore
Fri Jul 03, 2015 9:34 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle books at 50% discount for Bogleheads
Replies: 20
Views: 4259

Mr. Bogle dedicates his book to us

Ordered a copy of John Bogle on Investing: The First 50 Years and it arrived yesterday. Can't wait to get a chance to sit down with it. Major: The original copy I have is in Blue and Gold. A beautiful book. This is part of the book's Dedication: "And especially those "Bogleheads" of ...
by Taylor Larimore
Fri Jul 03, 2015 9:08 pm
Forum: Investing - Theory, News & General
Topic: How did you start?
Replies: 30
Views: 2654

Re: How did you start?

whatariver: I joined a new investment club in 1950 organized by a stock broker and friend. We had about 20 members and each made a monthly contribution. Each month a committee of 3 were designated to carefully analyze stocks recommended by the broker and come back with their own recommendation for t...
by Taylor Larimore
Fri Jul 03, 2015 8:02 pm
Forum: Investing - Theory, News & General
Topic: Possible new lazy portfolio?
Replies: 58
Views: 6324

Lazy portfolios outperform

Paul:

Thank you for suggesting a simple and diversified two fund portfolio.

The Second Grader Starter Portfolio containing Vanguard Total Stock Market, Total Bond Market and Total International funds is currently outperforming all the more elaborate Lazy Portfolios.

Best wishes.
Taylor
by Taylor Larimore
Fri Jul 03, 2015 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: How to check annualized return
Replies: 15
Views: 1105

Return and Risk

How to check annualized return?

lumberingc:

Never forget the other side of investing -- risk of loss.

Best wishes.
Taylor
by Taylor Larimore
Fri Jul 03, 2015 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: financial adviser told me not to invest too much in 401k
Replies: 88
Views: 9037

Run, don't walk.

You appear to have an excellent 401k plan. Inasmuch as your "advisor" gave you terrible self-serving advice recommending that you not invest in a 401k plan, I would not want her advice about Disability Income Insurance (a very complex product). It is now clear to me that she is more intere...
by Taylor Larimore
Fri Jul 03, 2015 10:48 am
Forum: Investing - Theory, News & General
Topic: U.S. Bond Market Bubble
Replies: 44
Views: 4283

Re: U.S. Bond Market Bubble

Hello. I have been reading about a U.S. bond market bubble. If that is the case, what bond funds would be the safest to invest in at this time? Have any of you adjusted your portfolio because of a worry about bonds? Ron Paul recently mentioned this issue: http://video.cnbc.com/gallery/?video=300038...
by Taylor Larimore
Fri Jul 03, 2015 10:08 am
Forum: Personal Finance (Not Investing)
Topic: financial adviser told me not to invest too much in 401k
Replies: 88
Views: 9037

Correction

Taylor wrote: "In a traditional 401k the contributions are tax-deductible; and the earnings are tax-free." Scone wrote: Surely you meant earnings are tax deferred? Or maybe you meant Roths? Or have I totally missed something? Scone: You didn't miss anything. I will edit my post. Thank you ...
by Taylor Larimore
Fri Jul 03, 2015 9:56 am
Forum: Personal Finance (Not Investing)
Topic: financial adviser told me not to invest too much in 401k
Replies: 88
Views: 9037

Investing in a 401k ?

Wes: You have not given us any information about your company's 401k Plan. Most 401k's are excellent investments although some are inferior. In a traditional 401k the contributions are tax-deductible and the earnings are tax-deferred. No insurance company product has these combined advantages. The b...
by Taylor Larimore
Thu Jul 02, 2015 9:44 pm
Forum: Investing - Help with Personal Investments
Topic: Girlfriend's Money Manager--Should She Switch to Vanguard?
Replies: 37
Views: 4126

"What experts say about 'costs'"

ReadySetMillionaire: Welcome to the Bogleheads Forum! Tread carefully--especially if the money belongs to your new wife. A good relationship is worth more than money. You may want to copy this for your future wife and father-in-law's consideration: What Experts Say About Costs Best wishes. Taylor
by Taylor Larimore
Thu Jul 02, 2015 9:26 pm
Forum: Investing - Help with Personal Investments
Topic: Help and advice please...
Replies: 3
Views: 508

Put it in the bank.

Beachrat57: Welcome to the Bogleheads Forum! The question is what is the best way to invest this money so that it will supplement SSDI and Social Security and provide me with retirement income and the ability to grow that money in the interim. You must be VERY careful because a mistake could leave y...
by Taylor Larimore
Thu Jul 02, 2015 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: financial adviser told me not to invest too much in 401k
Replies: 88
Views: 9037

Re: financial adviser told me not to invest too much in 401k

Is what she said about 401k have any validation?
Where else would i put my 401k money then?

Wes:

Where did the so-called "advisor" recommend you put your 401k money?

Best wishes.
Taylor
by Taylor Larimore
Wed Jul 01, 2015 9:23 pm
Forum: Investing - Theory, News & General
Topic: Are REITs necessary in a portfolio? Why?
Replies: 99
Views: 9466

"Rising Interest Rates Wreak Havoc on REITs"

Bogleheads:

Morningstar posted an article about REITs today. This is the link:

Rising Interest Rates Wreak Havoc on REITs

Best wishes.
Taylor
by Taylor Larimore
Wed Jul 01, 2015 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: value over growth ?
Replies: 15
Views: 1248

Re: value over growth ?

cadillex: Welcome to the Bogleheads Forum! My experience long term is that growth has outperformed value, so if one has 15+ year time horizon to retirement, isn't growth the better play. -- I am reading a lot here, and moving my portfolio towards the 3 fund goal. The Three Fund Portfolio contains bo...
by Taylor Larimore
Wed Jul 01, 2015 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Father died last year. $300k worth of stock went through Probate court (NY). Now what?
Replies: 9
Views: 1296

Re: Father died last year. $300k worth of stock went through Probate court (NY). Now what?

50% for her, 25% for me, and 25% for my sister. Gambler: I recommend each of you sell the stock immediately to avoid future capital-gain taxes. If the proceeds need reinvesting, use index funds or professionally managed mutual funds. They are MUCH less risky. What Experts Say About Individual Stock...
by Taylor Larimore
Tue Jun 30, 2015 10:19 pm
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST -- Mid-Year Report
Replies: 5
Views: 1066

BOGLEHEAD CONTEST -- Mid-Year Report

Bogleheads: On January 1st the S&P 500 Index was 2059. Today's mid-year closing price was 2063 --a four point gain (not including dividends). Listed below are the top ten Boglehead Contest Leaders and their January guesses on what the price of the S&P 500 Index will be on December 31st: 1 No...
by Taylor Larimore
Tue Jun 30, 2015 9:41 pm
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1139
Views: 540352

"Active funds win battles but lose wars"

Bogleheads: Rick Ferri, author of " All About Index Funds ," has written an excellent article for Dow Jones Indexology explaining why The Three Fund Portfolio containing only index funds is expected to outperform: It’s widely known that, over time, index investing has typically outperforme...
by Taylor Larimore
Tue Jun 30, 2015 8:32 pm
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1139
Views: 540352

"Lost decade" ?

Bogleheads: A Boglehead wrote: "We've already just experienced a lost decade." This was my reply: These are the 10-year dollar and (annualized returns) for $10,000 invested in each of the three index funds in The Three Fund Portfolio : $22,047 (8.23%) Vanguard Total Stock Market Index Fund...
by Taylor Larimore
Tue Jun 30, 2015 8:11 pm
Forum: Investing - Help with Personal Investments
Topic: How do you Lazy portfolio funders deal with dips in the market?
Replies: 61
Views: 6609

Not a "Lost Decade" for The Three Fund Portfolio

I'd hate to imagine the conditions where the market won't go up in the long term and the resulting consequences. We've already just experienced a lost decade. inbox 788: These are the 10-year dollar and (annualized returns) for $10,000 invested in each of the three index funds in The Three Fund Por...
by Taylor Larimore
Tue Jun 30, 2015 8:11 am
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1139
Views: 540352

Wrong Forum

MacGuy: This is your first post. Welcome to the Bogleheads Forum! In order to keep this thread manageable, we try to keep this topic confined specifically to The Three Fund Portfolio . Please post questions about your personal portfolio here: Investing -- Help with Personal Investments Thank you and...
by Taylor Larimore
Mon Jun 29, 2015 10:33 pm
Forum: Personal Finance (Not Investing)
Topic: Pay student loan off at 2.875%? - otherwise, 14 years to go
Replies: 52
Views: 5394

When knowledgeable people disagree . .

Personally, I'm still undecided.

nanoanalyzer:

When knowledgeable people disagree, it is often because it makes no foreseeable difference.

Best wishes.
Taylor

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