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Re: Which bond fund is best?

Chorty: It is hard to go wrong with Vanguard's Total Bond Market Index Fund. It is the most diversified of all bond funds which assures you that you will not have all your bonds in an under-performing category. It invests only in investment quality bonds which insures that your bond fund will meet i...
by Taylor Larimore
Fri Oct 31, 2014 9:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which bond fund is best?
Replies: 13
Views: 1288

BOGLEHEAD CONTEST -- October 31, 2014

Bogleheads: Today the S&P 500 Index reached an all-time closing high of 2018.05. This represents a year-to-date return of +9.2%. Below are current Boglehead Contest Leaders and their year-end forecasts made last January: 1 Arichcrook 2018.00 2 Alskar 2017.00 3 Gauntlet 2019.12 4 Rob54keep 2020.0...
by Taylor Larimore
Fri Oct 31, 2014 8:57 pm
 
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST -- October 31, 2014
Replies: 2
Views: 295

"Boring High-Quality Bonds and Why You Need Them"

Bogleheads:

AARP columnist, author and adviser, Allan Roth, tells us why we need high-quality bonds:

Boring High-Quality Bonds and Why You Need Them

Allan is a regular on our Panel of Experts at Boglehead conferences.

Best wishes.
Taylor
by Taylor Larimore
Fri Oct 31, 2014 7:21 pm
 
Forum: Investing - Theory, News & General
Topic: "Boring High-Quality Bonds and Why You Need Them"
Replies: 1
Views: 341

Bonds

Would this book be helpful for someone who wants to learn about all the different types of bonds and bond funds, as well as rules of thumb for choosing one versus another in various situations? Ganacel: In my opinion, ANY good quality, low-cost, diversified short- or intermediate-term bond fund wil...
by Taylor Larimore
Fri Oct 31, 2014 6:21 pm
 
Forum: Investing - Theory, News & General
Topic: "Why Bother With Bonds" -- A Gem
Replies: 15
Views: 2585

Re: Does Jack Bogle really advocate against rebalance?

Minnesota:

It is also important to know that Jack has repeatedly said (as a rough rule of thumb) that our bond allocation should equal our age.

Best wishes.
Taylor
by Taylor Larimore
Fri Oct 31, 2014 5:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does Jack Bogle really advocate against rebalance?
Replies: 6
Views: 719

"This time it's different." Perhaps not.

The market has changed.

DXB:

"The four most dangerous words in investing are: This time it's different." -- Sir John Templeton, legendary investor.

Best wishes.
Taylor
by Taylor Larimore
Fri Oct 31, 2014 3:38 pm
 
Forum: Investing - Theory, News & General
Topic: A Challenge for Bogleheads - the market has changed
Replies: 52
Views: 5144

"Why Bother With Bonds" -- A Gem

Bogleheads: Rick Van Ness is a successful private investor and retired executive who provides investor education using online videos, short books, and workshops. Rick has an MBA in Finance and is a valuable contributor to our forum and our wiki. Below are excerpts from his latest book, Why Bother Wi...
by Taylor Larimore
Fri Oct 31, 2014 12:13 am
 
Forum: Investing - Theory, News & General
Topic: "Why Bother With Bonds" -- A Gem
Replies: 15
Views: 2585

Allan Roth: Bringing greater ethics to the financial industr

Allan:

Thank you for the link to your excellent article published in the Wall Street Journal.

I admire your leadership in your attempt to bring greater ethics and fairness into the financial industry. I know our mentor, Jack Bogle, is pleased.

Best wishes.
Taylor
by Taylor Larimore
Thu Oct 30, 2014 12:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: fleeced by an adviser, is there a recourse?
Replies: 104
Views: 8082

"Dos and Don'ts for Year-End Tax Planning"

Bogleheads:

Waiting until late December is apt to be too late if you're aiming to minimize your tax bill. Christine Benz of Morningstar shares some of her last minute tax-tips:

The Error Proof Portfolio: Dos and Don'ts for Year-End Tax Planning

Best wishes.
Taylor
by Taylor Larimore
Thu Oct 30, 2014 11:58 am
 
Forum: Investing - Theory, News & General
Topic: "Dos and Don'ts for Year-End Tax Planning"
Replies: 0
Views: 413

Re: Best approaches to accumulating in a down market

So here's a topic that has been bugging me lately. best approaches to adding/accumulating in a down market. for example, should you go overweight in e.g. small caps, especially when the market gives you such a nice pullback, or should you add across the board using specific weights that favor favor...
by Taylor Larimore
Wed Oct 29, 2014 9:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best approaches to accumulating in a down market
Replies: 23
Views: 1847

A message for Mr. Bogle

Dear Jack: Very few things mean more to me than the time I have spent in your presence. It has been both an honor and an education. At my elderly age (90) it is difficult to travel, even for important events. I also feel a daily duty to stay home and share your wisdom (40,000+ posts) on the Mornings...
by Taylor Larimore
Wed Oct 29, 2014 6:14 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: 2014 Bogleheads Conference Message from Jack Bogle
Replies: 10
Views: 1424

"Fast Traders are Getting Data from SEC Seconds Early"

Bustoff: It appears that your link does not work for non-subscribers to the Wall Street Journal. Using Google, I found this link: Fast Traders Are Getting Data From SEC Seconds Early In answer to your question, "Would any of this be a concern to Bogleheads?" My quick answer is "no&quo...
by Taylor Larimore
Wed Oct 29, 2014 4:51 pm
 
Forum: Investing - Theory, News & General
Topic: The "Timing Advantage"?
Replies: 3
Views: 435

It is foolish for most of us to purchase individual stocks.

The market average is the average earning, so you can only win if someone else loses. It is very easy to think that you are smarter than the average person, but since the majority of stocks are held by either institutions which have people who manage investments full-time, or by full-time investors...
by Taylor Larimore
Wed Oct 29, 2014 3:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: how risky is stock investing?
Replies: 16
Views: 1226

Just curious

Last week I had a gnarly cost basis question at Vanguard. A secured email question got a response in one day. :) The response was that they would answer my question in 20 business days. :( Meanwhile Schwab had the question solved and live on line months ago. :P Doc: Forgive me for asking, but if Sc...
by Taylor Larimore
Wed Oct 29, 2014 1:55 pm
 
Forum: Investing - Theory, News & General
Topic: "Schwab Intelligent Portfolios"
Replies: 40
Views: 2749

Are advisers necessary?

Bogleheads: Because we are not taught about investing in school, most investors are financially illiterate. For most investors (Bogleheads excluded), our knowledge about investing was learned from family, friends, TV, bad books, and the self-serving Wall Street marketing machine. In my opinion, a kn...
by Taylor Larimore
Wed Oct 29, 2014 11:14 am
 
Forum: Investing - Help with Personal Investments
Topic: fleeced by an adviser, is there a recourse?
Replies: 104
Views: 8082

"Schwab Intelligent Portfolios"

Bogleheads: Harry Sit, editor of The Finance Buff, reports that Charles Schwab will begin offering a free management service similar to Vanguard. Rick Ferri's advisory service is also mentioned. Thanks largely to Mr. Bogle and Vanguard, industry costs are coming down which will help give ordinary in...
by Taylor Larimore
Wed Oct 29, 2014 8:48 am
 
Forum: Investing - Theory, News & General
Topic: "Schwab Intelligent Portfolios"
Replies: 40
Views: 2749

A very appreciated comment.

I started my Boglehead journeys with one book you co-authored and I was empowered to read your comments where you said you too made mistakes in the past and have gained by taking charge of your finances. I am incredibly grateful for that book and others on this topic. I wish they make it a text boo...
by Taylor Larimore
Tue Oct 28, 2014 3:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: fleeced by an adviser, is there a recourse?
Replies: 104
Views: 8082

Answer to questions.

Financenoob: I will attempt to answer your questions: 1. With their limited tax advantaged space, they need to put nearly $250k of bonds in taxable space. What bond fund makes the most sense in taxable? I've heard talk of just using the regular old Total Bond Fund, some have mentioned Intermediate-T...
by Taylor Larimore
Tue Oct 28, 2014 2:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Questions on bond funds in taxable
Replies: 22
Views: 1591

Funds for taxable account

Within a year or so my wife and be in a position to dip our toes into taxable investing for the first time. Supersharpie: It is very important to start-out using only tax-efficient funds in taxable accounts that you can hold 'forever' (exchanging profitable funds is usually taxable). I suggest your...
by Taylor Larimore
Tue Oct 28, 2014 12:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxable investing neophyte looking for advice
Replies: 2
Views: 303

The Three Fund Portfolio

Niceguy:

I agree with ruralavalon and his much simpler Three Fund Portfolio.

Best wishes.
Taylor
by Taylor Larimore
Tue Oct 28, 2014 12:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Betterment Portfolio Review - Need 3 Fund equivalent %
Replies: 16
Views: 1048

Re: Most financially economical choice for a car

Andro: The April 2914 edition of Consumer Reports recommends these used cars. All less than $10,000. Small Cars Toyota Prius 2004-2007 Scion xB 2004-2006 Pontiac Vibe 2005-08 Toyota Matrix 2005-2007 Sedans Hyundai Sonata 2007-2008 Acura TSX 2004 SUVs Toyota Highlander V6 2004 Mitsubishi Outlander 20...
by Taylor Larimore
Tue Oct 28, 2014 10:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Most financially economical choice for a car
Replies: 53
Views: 4243

Learning from investor mistakes.

Subham: Many of us, like you and me, learned from sad experience. Fortunately, we have this forum where investors can learn from the mistakes of others and avoid the same mistakes (not all advisers are criminals). My best investment decision (and one of the hardest to make) was when we decided to mo...
by Taylor Larimore
Mon Oct 27, 2014 8:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: fleeced by an adviser, is there a recourse?
Replies: 104
Views: 8082

the "AMT" (Alternate Minimum Tax)

Taylor, do you have any advice on what to do if you are subject to the AMT? The article is kind of vague on that. Afty: Sorry, I'm not qualified to give you reliable advice. However, this link should be helpful: http://www.irs.gov/uac/Form-6251,--Alternative-Minimum-Tax---Individuals Best wishes. T...
by Taylor Larimore
Mon Oct 27, 2014 7:11 pm
 
Forum: Investing - Theory, News & General
Topic: "8 Year-End Tax Moves to Make Now"
Replies: 9
Views: 1875

Re: "8 Year-End Tax Moves to Make Now"

Peter:

Thank you for your tax suggestions. I hope others will add more.

Best wishes.
Taylor
by Taylor Larimore
Mon Oct 27, 2014 1:20 pm
 
Forum: Investing - Theory, News & General
Topic: "8 Year-End Tax Moves to Make Now"
Replies: 9
Views: 1875

"8 Year-End Tax Moves to Make Now"

Bogleheads: Boglehead Allan Roth is an an author and investment authority. He is also on our Panel of Experts at Boglehead Conventions and is the financial writer for AARP. In his latest article, he offers, "8 year-end tax moves to make now": 1. Give to charity. 2. Max out your 401(k). 3. ...
by Taylor Larimore
Mon Oct 27, 2014 12:18 pm
 
Forum: Investing - Theory, News & General
Topic: "8 Year-End Tax Moves to Make Now"
Replies: 9
Views: 1875

"Priced In"

Bogleheads: Mike Piper is a member of our Panel of Experts at Boglehead Conventions. In his latest newsletter, The Oblivious Investor , he explains the importance to investors of the term "Priced In." When I eventually understood this concept, I realized it was futile to try to "beat ...
by Taylor Larimore
Mon Oct 27, 2014 11:24 am
 
Forum: Investing - Theory, News & General
Topic: "Priced In"
Replies: 2
Views: 1213

"Asset Allocation, Third Edition by Roger Gibson" -- A Gem

Bogleheads " Asset Allocation, Third Edition" by Roger Gibson, “Dispenses with luck, market timing, and ‘get rich quick’ schemes.” Instead his book (primarily for advisers) offers guidance for the asset allocation of portfolios including many performance tables, charts and figures. These a...
by Taylor Larimore
Sun Oct 26, 2014 7:21 pm
 
Forum: Investing - Theory, News & General
Topic: "Asset Allocation, Third Edition by Roger Gibson" -- A Gem
Replies: 2
Views: 1021

Target or Life Strategy?

Any input on Vanguard LifeStrategy Growth fund, versus the Vanguard Target Retirement 2030 fund? Similar allocation….what’s the difference between the two? Suggestions? jeffmac82: Both of Vanguard's Target and Life-Strategy funds are among the best in the industry. I slightly prefer Target funds be...
by Taylor Larimore
Sun Oct 26, 2014 3:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: New to investment planning
Replies: 8
Views: 747

First: Read a good book about investing.

Sunnyday50: Welcome to the Bogleheads Forum! In my opinion, the first thing any investor should do is read a GOOD book about investing. The books and quotations in the link below were selected as a quick way to learn many of the best ideas from the best authors, and to help you decide if the book me...
by Taylor Larimore
Sun Oct 26, 2014 11:44 am
 
Forum: Investing - Help with Personal Investments
Topic: where to invest
Replies: 3
Views: 701

The Best Fund for a Passive Allocation to U.S. Equities

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: 373787

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: 505

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: 17
Views: 2925

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: 33
Views: 3950

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: 636

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: 636

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: 3863

"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: 3863

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: 373787

"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: 1798

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: 3863

"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: 1515

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: 108
Views: 12657

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: 959

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: 1348

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: 1348

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: 3800

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: 625

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: 4770
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