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Re: best performer - very similar index funds

Selftalk: Paul is correct. It makes no sense to own two funds holding similar securities. It adds unnecessary complexity. This is a post I made a few days ago in which I recommended Vanguard's Total Stock Market Index Fund: Below are 20 Reasons why Vanguard's Total Stock Market Index Fund is now the...
by Taylor Larimore
Thu Nov 27, 2014 1:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: best performer - very similar index funds
Replies: 15
Views: 939

Re: Is 60/40 mix of stocks and bonds still best balance?

Is 60/40 mix of stocks and bonds still best balance?

arcticpineapplecorp:

The highly esteemed Peter Bernstein thinks so:

THE 60/40 SOLUTION

Best wishes.
Taylor
by Taylor Larimore
Thu Nov 27, 2014 1:41 pm
 
Forum: Investing - Theory, News & General
Topic: Is 60/40 mix of stocks and bonds still best balance?
Replies: 32
Views: 4215

Dividends ?

Who doesn't like dividends?

Warren Buffet Hates Dividends

Best wishes.
Taylor
by Taylor Larimore
Thu Nov 27, 2014 1:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why should I avoid REITs?
Replies: 41
Views: 3429

How to select the best investment book.

Investing books 30% off @ Amazon Srinivasan777in: Thank you for this information. I have taken quotes from dozen's of investing books in my Investing Gems . This helps us select the best investment book to read. It also allows us learn the best advice from the best authors: http://www.bogleheads.or...
by Taylor Larimore
Thu Nov 27, 2014 12:18 pm
 
Forum: Investing - Theory, News & General
Topic: Investing books 30% off @ Amazon
Replies: 3
Views: 529

"A BOGLEHEAD THANKSGIVING TO REMEMBER"

Bogleheads:

This is the 15th Anniversary of a special Thanksgiving Day. Mel Lindauer explains:

A THANKSGIVING TO REMEMBER

Best wishes.
Taylor
by Taylor Larimore
Thu Nov 27, 2014 10:57 am
 
Forum: Local Chapters and Bogleheads Community
Topic: "A BOGLEHEAD THANKSGIVING TO REMEMBER"
Replies: 8
Views: 509

Three Fund Portfolio Tax Efficiency

Bogleheads: Vanguard has posted "Year-End Capital-Gain Estimates" for the three funds in the Three Fund Portfolio: Total U.S. Stock Market Index Fund: "None" Total International Stock Index Fund: "None" Total Bond Market Index Fund: "0.28%" * * Total Bond Mark...
by Taylor Larimore
Wed Nov 26, 2014 8:32 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 950
Views: 393092

Re: best performer - very similar index funds

Mr. Larimore, the Vanguard. com website indicates that for the 3,5 and 10 year periods the VTCLX had higher returns than VFIAX and VTSAX in the compare section. Where did you get your information about that? Selftalk: I read it today on Morningstar.com. Frankly, it is all meaningless, anyhow. Past ...
by Taylor Larimore
Wed Nov 26, 2014 7:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: best performer - very similar index funds
Replies: 15
Views: 939

Re: Roth versus Traditional Debate

Newcat:

Consider using this Morningstar calculator:

http://screen.morningstar.com/IRA/IRACalculator.html

Best wishes
Taylor
by Taylor Larimore
Wed Nov 26, 2014 6:38 pm
 
Forum: Investing - Theory, News & General
Topic: Roth versus Traditional Debate
Replies: 17
Views: 1008

Investing does not need to be complicated.

Peter:

Thank you for your reminder that investing does not need to be complicated.
Simplicity is the master-key to financial success. When there are multiple solutions to a problem, choose the simplest one. -- Jack Bogle

Best wishes.
Taylor
by Taylor Larimore
Wed Nov 26, 2014 6:35 pm
 
Forum: Investing - Theory, News & General
Topic: Investing in 100 Words
Replies: 19
Views: 1804

Past performance.

I always thought that you should never put a tax managed fund in a tax shelter like an IRA. I never heard that. Do you have an authoritative source? When you compare the returns over 12 years, you see that the VTCLX outperformed both the VFIAX and the VTSAX in total returns. This may be true for 12...
by Taylor Larimore
Wed Nov 26, 2014 5:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: best performer - very similar index funds
Replies: 15
Views: 939

Re: Opinions Please - REIT's vs. EM

Midareff:

Many studies have found that market timing does not work.

The Boglehead philosophy is to design a personal asset-allocation plan--then stay the course.

Best wishes.
Taylor
by Taylor Larimore
Wed Nov 26, 2014 5:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Opinions Please - REIT's vs. EM
Replies: 14
Views: 957

Using Past Performance

I've seen the performance graphs for the active funds and I can't convince myself to dump them. Captain Andrew: These quotes should convince you that you are making a mistake: Jack Bogle: "The biggest mistake investors make is looking backward at performance and thinking it’ll recur in the fut...
by Taylor Larimore
Wed Nov 26, 2014 4:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Performance Graphs [Help with fund choices]
Replies: 9
Views: 668

"Two Key Lessons You Can Learn From Academic Research"

Bogleheads:

This is the latest video of the British series: Sensible Investing.

"Two Key Lessons You Can Learn From Academic Research"

Best wishes.
Taylor
by Taylor Larimore
Wed Nov 26, 2014 11:22 am
 
Forum: Investing - Theory, News & General
Topic: "Two Key Lessons You Can Learn From Academic Research"
Replies: 9
Views: 1176

Re: Help: Three Fund Portfolio at Fidelity

I think there is no meaningful difference between the Spartan Total Stock and the Vanguard Total Stock. I also think there is no meaningful difference in performance between the Spartan Global Except US Fund and the Vanguard Total International. However, some people have a distinct philosophical pr...
by Taylor Larimore
Wed Nov 26, 2014 9:23 am
 
Forum: Investing - Theory, News & General
Topic: Help: Three Fund Portfolio at Fidelity
Replies: 36
Views: 2978

Re: Three Fund Portfolio Allocation

Hello, does this look right ---- Thanks for your opinion in advance Total Cash: $83,429.82 Domestic 50% : 41,714.91 Fidelity Spartan Total Mkt Idx Advtg (FSTVX) International 30% : 25,028.95 Fidelity Spartan Glb ex USIdxAdvtg (FSGDX) Bonds 15%: 12,514.47 Fidelity Spartan US Bond Idx Advtg (FSITX) P...
by Taylor Larimore
Tue Nov 25, 2014 5:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Three Fund Portfolio Allocation
Replies: 5
Views: 931

When experts disagree.

"Expert financial advisers" on a do-it yourself investor internet forum can't decide on what to call an asset class.

MountainMan:

When experts disagree it is often because it doesn't make much difference.

Best wishes.
Taylor
by Taylor Larimore
Tue Nov 25, 2014 5:03 pm
 
Forum: Investing - Theory, News & General
Topic: Small cap value premium
Replies: 140
Views: 8977

Risk of Three-Fund Portfolio vs. Two-Fund Portfolio

[Moved into a stand-alone thread from: Re: The Three Fund Portfolio --admin LadyGeek] Bottom line is there is more risk with a three fund portfolio than a two fund portfolio. The three-fund strategy puts a lot of weight on international equities. Is that justifiable? TwoByFour: The Three-Fund Portf...
by Taylor Larimore
Tue Nov 25, 2014 4:51 pm
 
Forum: Investing - Theory, News & General
Topic: Risk of Three-Fund Portfolio vs. Two-Fund Portfolio
Replies: 3
Views: 483

Re: Thank You

I want to thank this entire board for all of the advice you have given me, directly and indirectly. One important thing this forum has taught me is the importance of simplicity . I have discovered that I need a simple portfolio that works for me. I.e. - the three fund portfolio. Prior to this forum...
by Taylor Larimore
Tue Nov 25, 2014 3:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thank You
Replies: 3
Views: 664

Re: TSM vs Small/Mid Cap fund

Teacher:

Thank you for your reply.
Forget the needle. Buy the haystack. -- Jack Bogle

Best wishes.
Taylor
by Taylor Larimore
Tue Nov 25, 2014 1:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: TSM vs Small/Mid Cap fund
Replies: 10
Views: 663

Small/Mid Cap funds lagging

We have nearly 8% of our entire portfolio in a Fidelity Small and Mid-Sized U.S. Stock Index Fund which is an institutional fund in DH’s 401k (YTD 7.32%). This fund has not done nearly as well as the Fidelity Total U.S. Stock Market Index Fund (YTD for TSM Index is 12.75%). This sort of disparity h...
by Taylor Larimore
Tue Nov 25, 2014 12:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: TSM vs Small/Mid Cap fund
Replies: 10
Views: 663

REITs now clear.

Oh ok. Thanks for clearing this up.

Ijim:

Nisiprius and his charts cleared this up better than I did.

Best wishes.
Taylor
by Taylor Larimore
Tue Nov 25, 2014 12:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why should I avoid REITs?
Replies: 41
Views: 3429

REITs ?

At this time I invest quite heavily in the US Stock index. -- I am wondering if I should add REITs to my portfolio. Vanguard's Total Stock Market Index Fund already holds the U.S. market weight in REIT stocks. Overweighting REITs can be dangerous. Vanguard's REIT fund plunged -68.3% during the 2008...
by Taylor Larimore
Tue Nov 25, 2014 12:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why should I avoid REITs?
Replies: 41
Views: 3429

"Common Sense on Mutual Funds"

ThankYouJack:
What are your favorite nonfiction books?

Common Sense on Mutual Funds--10th Anniversary Edition by Jack Bogle

Best wishes.
Taylor
by Taylor Larimore
Tue Nov 25, 2014 12:07 pm
 
Forum: Personal Consumer Issues
Topic: Favorite nonfiction books
Replies: 63
Views: 2942

Equal Weight vs. Asset Weight ?

Investorguy: Welcome to the Bogleheads Forum! I have been giving the idea of equal weighting asset classes some thought. Basically my reasoning is, Markets are at least pretty efficient. Therefore all asset classes are on usually priced right. Since different assert classes or differently correlated...
by Taylor Larimore
Mon Nov 24, 2014 9:35 pm
 
Forum: Investing - Theory, News & General
Topic: Equal Weight portfolio
Replies: 12
Views: 1096

Re: Why Alpha is getting more elusive

Larry:

Thank you for a link to your well-written and interesting article.

Makes me glad I am an "indexer."

Best wishes
Taylor
by Taylor Larimore
Mon Nov 24, 2014 6:30 pm
 
Forum: Investing - Theory, News & General
Topic: Why Alpha is getting more elusive
Replies: 28
Views: 3321

Switching to top performing funds ?

If you want to get better performance, just invest in the top performing funds each year. Bogleheads: There is a mutual fund called "Fund X Upgrader" that switches regularly into top performing funds. This is their stated strategy: Upgrading is the investment approach we developed years a...
by Taylor Larimore
Mon Nov 24, 2014 3:48 pm
 
Forum: Investing - Theory, News & General
Topic: Fidelity Portfolio Advisory Service [Going to Arbitration]
Replies: 37
Views: 4185

Inner-directed or Outer-directed

surfhb wrote:If you want to look good in your eyes and others around you just put $5000 in a money clip in your pocket.

I've found that "Inner-directed" people are usually happier than "outer-directed" people."

Best wishes.
Taylor
by Taylor Larimore
Mon Nov 24, 2014 3:21 pm
 
Forum: Personal Consumer Issues
Topic: 23 year old... Can I afford a Rolex?
Replies: 167
Views: 10903

"It's very hard to sit there and do nothing."

It's very hard to sit there and do nothing.

Tim:

Investing is easy--but hard to do.

Best wishes.
Taylor
by Taylor Larimore
Mon Nov 24, 2014 2:32 pm
 
Forum: Investing - Theory, News & General
Topic: What percent "Boglehead" are you?
Replies: 119
Views: 6252

A good portfolio.

Clip651:

Thank you for your reply. I read your prior posts.

You appear to have a good understanding of how to invest successfully.

Congratulations and best wishes.
Taylor
by Taylor Larimore
Mon Nov 24, 2014 2:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: new taxable account set up
Replies: 8
Views: 793

Tax advantaged account(s) ?

clip651:

Do you have work income? If so, I wonder if you have a tax-advantaged account (IRA, 401k, etc.)? If so, please give details. Taxable and tax-advantaged accounts need to be coordinated as one portfolio.

Thank you and best wishes.
Taylor
by Taylor Larimore
Mon Nov 24, 2014 1:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: new taxable account set up
Replies: 8
Views: 793

"Which Accounts Should I Spend from Each Year in Retirement?

Bogleheads:

Boglehead author, Mike Piper, has posted this useful and important article for investors in retirement:

Which Accounts Should I Spend from Each Year in Retirement?

Best wishes.
Taylor
by Taylor Larimore
Mon Nov 24, 2014 11:06 am
 
Forum: Investing - Theory, News & General
Topic: "Which Accounts Should I Spend from Each Year in Retirement?
Replies: 3
Views: 844

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: 140
Views: 8977

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: 27
Views: 2632

"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: 443

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: 19
Views: 1307

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: 140
Views: 8977

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: 27
Views: 2632

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: 167
Views: 10903

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: 27
Views: 2632

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: 36
Views: 2978

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: 927

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: 500

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: 927

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: 119
Views: 6252

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: 36
Views: 2978

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: 167
Views: 10903

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: 167
Views: 10903

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: 167
Views: 10903

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: 167
Views: 10903
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