Search found 18327 matches

by Taylor Larimore
Sun Aug 02, 2015 10:23 pm
Forum: Investing - Help with Personal Investments
Topic: need portfolio evaluation and advice
Replies: 3
Views: 284

Re: need portfolio evaluation and advice

Jetfan:

I did not check to see if your actual asset allocation is the same as your desired asset allocation, but your portfolio appears excellent to me. It is:

Low-cost
Very diversified
All indexed
Tax-efficient
Simple to understand and maintain.

Congratulations and best wishes!
Taylor
by Taylor Larimore
Sun Aug 02, 2015 10:05 pm
Forum: Investing - Help with Personal Investments
Topic: Do I need other assets beside a 4 fund portfolio?
Replies: 10
Views: 681

Adding additional funds?

cats4days: Welcome to the Bogleheads Forum! My concern is, do I need any other assets aside from the LS fund? The Life Strategy Funds are designed by Vanguard experts to be a complete portfolio in one fund. Please resist the temptation to add more funds unless absolutely necessary (example: Your tax...
by Taylor Larimore
Sun Aug 02, 2015 9:16 pm
Forum: Investing - Help with Personal Investments
Topic: So, how do I compare two 401k plans?
Replies: 9
Views: 394

Re: So, how do I compare two 401k plans?

It would be smart of me to combine the funds from both to one account, but I'm not sure which provider is the best option. YoungBoglehead: It may be even smarter to exchange your old 401 Target Fund to a Vanguard IRA Target Fund. I'm interested in seeing how you answer AviN's questions. Best wishes...
by Taylor Larimore
Sun Aug 02, 2015 7:47 pm
Forum: Investing - Theory, News & General
Topic: [How often do you check on your investments?]
Replies: 34
Views: 1146

Re: Checking Investments

to2958 wrote:How often do you check on your investments?

Once or twice a year.

Best wishes.
Taylor
by Taylor Larimore
Sun Aug 02, 2015 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Enough is enough
Replies: 24
Views: 4657

Enough -- by Jack Bogle

snowshoes wrote:I'd suggest you read "Don't Count on it" by Jack C.Bogle himself. Good Luck!

Bogleheads can read valuable excerpts from Mr. Bogle's book here:

"Don't Count On It"--A Gem

Best wishes.
Taylor
by Taylor Larimore
Sun Aug 02, 2015 7:19 pm
Forum: Investing - Help with Personal Investments
Topic: Are bond mutual funds better than other types of bonds?
Replies: 7
Views: 300

Re: Are bond mutual funds better than other types of bonds?

Titan5045:

The Boglehead wiki will help answer your question:

Individual Bonds vs. a Bond Fund

Best wishes.
Taylor
by Taylor Larimore
Sun Aug 02, 2015 5:26 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1411
Views: 279442

Re: U.S. stocks in freefall

Bonds are for safety. Total Bond Market Index Fund is up year to date.

Stocks are best for higher returns--but with more risk of loss.

Best wishes.
Taylor
by Taylor Larimore
Sun Aug 02, 2015 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Enough is enough
Replies: 24
Views: 4657

Re: Enough is enough

Decided time was more important than $$. Put my apartment up for sale. Ran some numbers. Found a country where spending less than 3% would be fine and I could have the life I always wanted. Pulled the plug and moved across the world alone to retire aged 41. No pension or additional cash expected to...
by Taylor Larimore
Sun Aug 02, 2015 4:59 pm
Forum: Investing - Help with Personal Investments
Topic: US citizen/expat living in Belgium - investment advice
Replies: 6
Views: 476

Re: US citizen/expat living in Belgium - investment advice

sociableorg:

Welcome to the Bogleheads Forum!

I am unable to answer your question, but I helped liberate Belgium from the Nazi's in 1945. Enjoy your stay.

Best wishes.
Taylor
by Taylor Larimore
Sun Aug 02, 2015 3:22 pm
Forum: Local Chapters and Bogleheads Community
Topic: bogleheadism == Vanguard?
Replies: 65
Views: 4337

The Thrift Savings Plan

Bogleheads:

This is a good article describing the U.S. Government's Thrift Savings Plan:

What do you think of the Thrift Savings Plan?

Best wishes.
Taylor
by Taylor Larimore
Sun Aug 02, 2015 2:40 pm
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard Funds Are Right For Me?
Replies: 4
Views: 334

Re: Which Vanguard Funds Are Right For Me?

My understanding is that with the PMA package at Wells, I get 100 free trades per account per year. I do have an Advisor at Wells Fargo who I have met with two times since 2008, and who sends me a nice Christmas card in December. That is the extent of our relationship. There is no cost associated w...
by Taylor Larimore
Sun Aug 02, 2015 11:28 am
Forum: Local Chapters and Bogleheads Community
Topic: bogleheadism == Vanguard?
Replies: 65
Views: 4337

Government Thrift Savings Plan

VictoriaF wrote:TSP is better than Vanguard, but most people don't have access to it.

Victoria

This is an example of the even-handed way our Boglehead wiki handles non-Vanguard funds:

The Thrift Savings Plan

Best wishes.
Taylor
by Taylor Larimore
Sun Aug 02, 2015 11:15 am
Forum: Investing - Help with Personal Investments
Topic: Less funds in Taxable acct; better funds at TRowe or Fidelity for 403B?
Replies: 24
Views: 1010

One fund or more?

they-kemp: I don't often contradict, but putting all your investments into one asset-class, managed, stock fund, even one as good as Windsor II has been, could be a serious mistake. Please read "Asset-Allocation" on our wiki here: Asset Allocation Past performance does not guarantee future...
by Taylor Larimore
Sun Aug 02, 2015 10:39 am
Forum: Local Chapters and Bogleheads Community
Topic: bogleheadism == Vanguard?
Replies: 65
Views: 4337

Re: bogleheadism == Vanguard?

if the goal of this site is to help people adopt and understand the boglehead philosophy as opposed to becoming a Vanguard customer, then I encourage you to scrub references to Vanguard in anything that you control, like the wiki. Otherwise you run the danger of being perceived as a marketing tool ...
by Taylor Larimore
Sun Aug 02, 2015 10:15 am
Forum: Investing - Help with Personal Investments
Topic: Close to 93% of portfolio in individual stocks?
Replies: 15
Views: 1104

Stocks vs. Mutual Fund ?

I have a friend whose money is invested with Raymond James, 93% of which is invested in 15 or 16 stocks. I believe most of these stocks are dividend stocks such as Target, Microsoft, Apple, GE etc. What are the Bogleheads opinions on such a portfolio? TMCD75: Many years ago my portfolio was 100% in...
by Taylor Larimore
Sun Aug 02, 2015 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Enough is enough
Replies: 24
Views: 4657

Re: Enough is enough

Please share your story if you made a voluntary choice at some point to spend more, save less, and/or retire before reaching some magic number. Letsgobobby: I think many workers make the choice of continuing to work for more money or taking early retirement. In my case, I made the decision to retir...
by Taylor Larimore
Sun Aug 02, 2015 8:37 am
Forum: Investing - Help with Personal Investments
Topic: Long term plan
Replies: 3
Views: 325

Re: Long term plan

I'm at 2m and still work part time. I coach x-c in HS. I'm 62 wife 59. My plan is to start moving into a Roth ira from a ira. I'm at 15% tax bracket but at 70 I could be at 25%. My plan is to work at the Roth IRA so when I hit 70 I'm at 10% and use my Roth to help out if I need too. I live easily o...
by Taylor Larimore
Sat Aug 01, 2015 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: Hit with $10k tax bill from 2013, given 3 weeks to pay
Replies: 23
Views: 3245

Call or write?

Call the IRS and talk to them. They are helpful, and you want to make this right. They will help you. Sorry to disagree. This could be a complicated situation and the person who answers the phone is unlikely to know the answer -- even if you manage to get a representative. Worse, they may give you ...
by Taylor Larimore
Fri Jul 31, 2015 8:34 pm
Forum: Personal Consumer Issues
Topic: Retirees: Questions you hate being asked
Replies: 69
Views: 5163

Re: Retirees: Questions you hate being asked

Since I've been retired a few years now, sometimes I get asked questions that I don't understand or that annoy me. Was wondering if there are questions that you dislike, don't understand or feel are off limits. My pet peeve is: "what do you do all day?" tennisplyr: I can't recall a questi...
by Taylor Larimore
Fri Jul 31, 2015 8:16 pm
Forum: Investing - Help with Personal Investments
Topic: All-in-one versus multiple funds
Replies: 7
Views: 656

Re: All-in-one versus multiple funds

Scooper74: Welcome to the Bogleheads Forum! If all your investments are in a tax-advantaged account, I suggest a single Life Strategy or Target Fund for ultimate simplicity and expert design. This is a link to Vanguard's (12) Target Funds: https://investor.vanguard.com/mutual-funds/target-retirement...
by Taylor Larimore
Fri Jul 31, 2015 3:41 pm
Forum: Investing - Theory, News & General
Topic: What Experts Say About "Indexing"
Replies: 16
Views: 3713

Re: What Experts Say About "Indexing"

Ken French, Nobel Laureate: "If it weren't for noise, 98% of investors would see what's going on and buy passive strategies." Is this correct? I didn't think French was a Nobel Laureate. The Google tells me he isn't (not that I disagree with the quote). Brogleski: You are correct. I have ...
by Taylor Larimore
Fri Jul 31, 2015 3:27 pm
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1165
Views: 556283

Adding specific funds to The Three Fund Portfolio

I am thinking about adding some TIPS to my 3 fund portfolio. Can anyone comment on VTIP vs VIPSX and why one would be better? Thank you. fishdrzig: The primary advantages of The Three Fund Portfolio are its low-cost, broad diversification, and 3-fund simplicity. Adding additional funds to your port...
by Taylor Larimore
Fri Jul 31, 2015 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: CETERA
Replies: 5
Views: 310

Re: CETERA

Hue: CETERA does not look good to me. Turn to pages 15-18 to see their fees: https://myceterasmartworks.com/Public/Portal/Content.aspx?ContentId=6281132 United States Securities and Exchange Commission: "Independent studies show fees and expenses can be a reliable predictor of mutual fund perfo...
by Taylor Larimore
Fri Jul 31, 2015 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Could John Bogle Be Right About International Stock?
Replies: 68
Views: 6076

Bill Bernstein

I don't know Bill Bernstein dc81584 In 2003, at our third reunion in Chicago, I was having lunch at a large round table with 6 or 7 real investing experts. I'll never forget Mr. Bogle's words: " I am honored to be sitting among the brightest investment minds I know. " -- He was looking di...
by Taylor Larimore
Fri Jul 31, 2015 10:40 am
Forum: Investing - Theory, News & General
Topic: "How to Beat the S&P 500 Index"
Replies: 1
Views: 473

"How to Beat the S&P 500 Index"

Bogleheads:

Allan Roth is a Boglehead and a columnist for AARP magazine. His current article, with its provocative headline, explains how many (maybe most) journalists, authors and advisers trick us with misleading data.

How To Beat The S&P 500 Index

Best wishes.
Taylor
by Taylor Larimore
Fri Jul 31, 2015 10:14 am
Forum: Investing - Theory, News & General
Topic: Holding forecasters accountable
Replies: 10
Views: 955

Re: Holding forecasters accountable

Larry: Thank you for reminding us why Bogleheads ignore stock and bond market forecasts. 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 successful...
by Taylor Larimore
Thu Jul 30, 2015 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Hit with $10k tax bill from 2013, given 3 weeks to pay
Replies: 23
Views: 3245

Re: Hit with $10k tax bill from 2013, given 3 weeks to pay

sunny_socal: I know it is an unpleasant shock to receive a letter from the IRS notifying you that you owe them money. This is my suggestion (I am a former IRS Revenue Officer): * If you believe the IRS is wrong, and you have the evidence to prove it, simply reply as instructed and send them supporti...
by Taylor Larimore
Thu Jul 30, 2015 10:08 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with 3-fund portfolio basics
Replies: 7
Views: 541

Picking individual stocks ?

I am looking to invest in: Traditional IRA Cash: 80% Individual Stocks: 20% readytoinvest: Welcome to the Bogleheads Forum! If you are thinking about investing in individual stocks, may I suggest you consider the advice of these experts: Alpha Architect: "Between 1983 and 2006, around 73% of f...
by Taylor Larimore
Thu Jul 30, 2015 4:14 pm
Forum: Investing - Theory, News & General
Topic: Does VTSAX Needlessly Holds Too Many Stocks?
Replies: 20
Views: 1450

Re: Does VTSAX Needlessly Holds Too Many Stocks?

Does VTSAX (Vanguard Total Market Index Fund Admiral) Needlessly Holds Too Many Stocks? Patzer: My answer to questions like this is that the experts at Vanguard know far more than I do how to manage their funds. They have done a pretty good job. Vanguard Total Stock Market Index Fund is now the lar...
by Taylor Larimore
Thu Jul 30, 2015 11:58 am
Forum: Investing - Help with Personal Investments
Topic: Rebalance in Taxable or in IRA after receipt of Lump Sum
Replies: 11
Views: 819

Further improvement

Dave: You're right! I have edited your suggestion into the portfolio. You might also reduce the taxable allocations to include cash. Use a tax-exempt money market fund for that purpose. I run all my account transactions (not many) through my MM fund for record-keeping in one fund's account. Best wis...
by Taylor Larimore
Thu Jul 30, 2015 11:23 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle in this Month's Money Magazine
Replies: 79
Views: 8114

Jack Bogle was right.

Bogleheads: Mr. Bogle is often criticized for his belief, reflected in his 1993 statement in Bogle on Mutual Funds that "Your exposure to mutual funds investing in foreign stocks should not exceed 20% of your equity allocation." Up to now, he has been right . Investors who followed his adv...
by Taylor Larimore
Thu Jul 30, 2015 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Priorities
Replies: 52
Views: 4125

Food for thought. . .

protagonist:

Thank you for one of the longest and best posts I have read on the forum. It contains "food for thought" for all of us.

Best wishes.
Taylor
by Taylor Larimore
Thu Jul 30, 2015 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Terrible Index Funds
Replies: 10
Views: 1572

Costs Matter!

Johnston does the math on the Great-West S&P 500 Index Fund (MXVIX), which charges 0.6% a year. Assuming a 30-year time frame compared with an S&P 500-tracking fund that charges 0.1%, he concludes that an investor is missing out on $114,000 over their lifetime. Late Starter: Thank you for t...
by Taylor Larimore
Thu Jul 30, 2015 1:59 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle in this Month's Money Magazine
Replies: 79
Views: 8114

Re: Jack Bogle in this Month's Money Magazine

CFM 300:

Thank you for the correction.

Best wishes.
Taylor
by Taylor Larimore
Thu Jul 30, 2015 1:44 am
Forum: Investing - Help with Personal Investments
Topic: Could John Bogle Be Right About International Stock?
Replies: 68
Views: 6076

Re: Could John Bogle Be Right About International Stock?

CFM:

Thank you for the correction! I have deleted my post.

Best wishes.
Taylor
by Taylor Larimore
Thu Jul 30, 2015 1:35 am
Forum: Personal Finance (Not Investing)
Topic: Hope for 4% swr
Replies: 3
Views: 798

Re: Hope for 4% swr

mhalley: Thank you for this article by Michael Kitces. This earlier post of mine may also be helpful: Safe Withdrawal Rates ? Complexity vs. Simplicity Post by Taylor Larimore » Thu Apr 21, 2011 9:31 pm Hi Bogleheads: One of the great mysteries to me are the Great Debates over Safe Withdrawal Rates ...
by Taylor Larimore
Thu Jul 30, 2015 12:34 am
Forum: Investing - Help with Personal Investments
Topic: Rebalance in Taxable or in IRA after receipt of Lump Sum
Replies: 11
Views: 819

Re: Rebalance in Taxable or in IRA after receipt of Lump Sum

"Why did you put the TBM in the Roth accounts rather then fill them with TSM?" Dave: It is usually more tax-efficient to put bonds in tax-deferred accounts and tax-efficient stock funds in taxable accounts. You are right about normally spending your Roth accounts last (and your taxable ac...
by Taylor Larimore
Wed Jul 29, 2015 3:35 pm
Forum: Investing - Theory, News & General
Topic: "The Sad State of the Financial Web, in 10 Charts"
Replies: 13
Views: 2444

Re: "The Sad State of the Financial Web, in 10 Charts"

dad2000 wrote:Taylor,

Your link did not work for me, but I did find this one: http://fundreference.com/articles/2015/ ... ncial-web/

Dad2000:

I have edited my Opening Post. Thank you for the correction.

Best wishes.
Taylor
by Taylor Larimore
Wed Jul 29, 2015 3:17 pm
Forum: Investing - Theory, News & General
Topic: "The Sad State of the Financial Web, in 10 Charts"
Replies: 13
Views: 2444

"The Sad State of the Financial Web, in 10 Charts"

Bogleheads: I discovered this interesting article and its colorful charts on the " Fund Reference " website: The Sad State of the Financial Web, in 10 Charts Jimmy Atkinson, editor, listed "A number of sites dedicated to conveying investment advice that is actually worthwhile. The exc...
by Taylor Larimore
Wed Jul 29, 2015 10:26 am
Forum: Personal Finance (Not Investing)
Topic: CFA Exam Results
Replies: 16
Views: 1625

"Sometimes simplicity is the highest form of sophistication"

CFA exam results came out yesterday. Did anyone on this forum participate? I just passed level 2 and am excited to take level 3! I think the program material is wonderful and it is a nice alternative to a very expensive MBA. The books are quite well written and generally support the the Boglehead's...
by Taylor Larimore
Wed Jul 29, 2015 9:20 am
Forum: Investing - Help with Personal Investments
Topic: Rebalance in Taxable or in IRA after receipt of Lump Sum
Replies: 11
Views: 819

Suggested Portfolio

Dave: I have modified your (already excellent) portfolio. It now meets your desired asset-allocation with the same three Vanguard funds placed in the most tax-efficient accounts (as before) but with fewer funds: Taxable (35%) 19% Total Stock Market 16% Total International His 401k (16%) 16% Total Bo...
by Taylor Larimore
Wed Jul 29, 2015 5:36 am
Forum: Investing - Theory, News & General
Topic: Just Read AAAA - Tilting Quandary
Replies: 11
Views: 1016

Re: Just Read AAAA - Tilting Quandary

BRM7576:

What you suggest is often called "Slice and Dice." Mr. Bogle addressed this strategy in a speech he titled, "The Telltale Chart." This is a link:

http://www.vanguard.com/bogle_site/sp20020626.html

Best wishes.
Taylor
by Taylor Larimore
Tue Jul 28, 2015 9:30 pm
Forum: Investing - Theory, News & General
Topic: "A Random Walk Down Wall Street"
Replies: 14
Views: 1843

"A Random Walk Down Wall Street"

Bogleheads: Professor Burton Malkiel's classic book, A Random Walk Down Wall Street , made a strong impression on me. It is a primary reason I stopped trying to "beat the market." This is one of the paragraphs: Any successful technical scheme must ultimately be self defeating. The moment I...
by Taylor Larimore
Tue Jul 28, 2015 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: Good approximation to 3 fund portfolio?
Replies: 1
Views: 252

Re: Good approximation to 3 fund portfolio?

I'm trying my best to approximate the 3 fund portfolio of total stock, total international, and total bond in a 80/20 asset allocation. Does this seem appropriate? Based on the information you provided: Yes. I could list ER and other funds available if anyone is interested, but this seems like the ...
by Taylor Larimore
Tue Jul 28, 2015 6:20 pm
Forum: Investing - Theory, News & General
Topic: The Futility of Predicting Future Returns
Replies: 87
Views: 4042

Boglehead Contests

Bogleheads:

Many years ago I started the Boglehead Contests to demonstrate how difficult it is to forecast stock market returns.

I pay no attention to stock market forecasts. They are meaningless to a buy and hold investor -- and usually wrong. We get what the market gives.

Best wishes.
Taylor
by Taylor Larimore
Tue Jul 28, 2015 5:19 pm
Forum: Investing - Theory, News & General
Topic: Why is stock market so reactionary to news on daily basis?
Replies: 46
Views: 2785

"Investment Pornography"

Roterhead: Thank you for your appropriate cartoon. I no longer subscribe to business magazines, investment newsletters or watch business news on TV. I have learned it is a complete waste of time for stay-the-course investors like myself. Watching this stuff takes away from more important endeavors i...
by Taylor Larimore
Tue Jul 28, 2015 4:25 pm
Forum: Investing - Theory, News & General
Topic: Rick’s Top Ten List of When Not To Invest
Replies: 16
Views: 4064

"Winning the Loser's Game" A Gem

Charles D. Ellis wrote about making fewer mistakes in his classic book Winning the Loser’s Game. His observation was that winners don’t do anything special; they just make fewer avoidable errors than the losers. In investing, what separates winners from losers is the number of unnecessary mistakes ...
by Taylor Larimore
Tue Jul 28, 2015 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: Setting up new portfolio
Replies: 17
Views: 1163

Family and money

My dad is a stockbroker and is adamant on putting all of it into a financial services mutual fund, but I just wouldn't be able to sleep at night doing that... .. cphil: If your dad is financially knowledgeable and wants you to invest with him--I'd do it. Family relationships are more important than...
by Taylor Larimore
Tue Jul 28, 2015 2:21 pm
Forum: Investing - Theory, News & General
Topic: Rick’s Top Ten List of When Not To Invest
Replies: 16
Views: 4064

Very important advice in few words

Rick:

This is another one of your helpful articles--very important advice in few words.

Thank you for sharing.

Best wishes.
Taylor

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