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Re: Mid Thirties - Messy Retirement Portfolio ~$600k

AndThen: Welcome to the Bogleheads Forum! What can we do to simplify the fund allocations? Scone wrote: "All you really need is a broad indexed domestic stock fund, a broad indexed international stock fund, and a broad indexed domestic bond fund." These are the three broad indexed funds in...
by Taylor Larimore
Sun Mar 01, 2015 6:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mid Thirties - Messy Retirement Portfolio ~$600k
Replies: 2
Views: 175

Re: Vanguard Managed Payout to add new fund

Barry:

Thank your for information about this new Vanguard fund. I find it very disappointing.

Best wishes.
Taylor
by Taylor Larimore
Sun Mar 01, 2015 5:41 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Managed Payout to add new fund
Replies: 11
Views: 603

Target Retirement Income fund

i have upper mid 6 figure ( investable money ) and i have only one fund in it all target retirement income fund looking: I copied the above from one of your earlier posts. Vanguard's Target Retirement Income fund could be ideal. "The enemy of a good plan is the dream of a perfect plan." -...
by Taylor Larimore
Sat Feb 28, 2015 5:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: I need some comments on my portfolios
Replies: 6
Views: 588

Re: Looking for good market dashboard

Kevin:

Thank you for your interesting reply.

Best wishes.
Taylor
by Taylor Larimore
Sat Feb 28, 2015 4:25 pm
 
Forum: Investing - Theory, News & General
Topic: Looking for good market dashboard
Replies: 6
Views: 562

"Berkshire Hathaway's Annual Letter to Stockholders"

[Thread merged into here, see below. --admin LadyGeek] Bogleheads: It is interesting and informative to read Warren Buffett's Annual Letter to Stockholders. This is a portion that will resonate with Bogleheads: Investors, of course, can, by their own behavior, make stock ownership highly risky. And...
by Taylor Larimore
Sat Feb 28, 2015 2:18 pm
 
Forum: Investing - Theory, News & General
Topic: Past, present, and future of Berkshire - Annual letter
Replies: 29
Views: 2164

Re: Thank you!

Josh:

Thank you for your post. It is much appreciated by forum contributors whose only desire is to help others in Jack Bogle's crusade "to give ordinary investors a fair shake."

Best wishes.
Taylor
by Taylor Larimore
Sat Feb 28, 2015 1:35 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Thank you!
Replies: 5
Views: 636

"2015 Annual Letter by Scott Burns and Kennon Grose"

Bogleheads: Scott Burns, a former columnist, now an adviser, and inventor of "The Couch Potato Portfolios," has written an excellent "Annual Letter" with an important graph and quotes such as these: "The most treasured fantasy (underline mine) of investing is the belief that...
by Taylor Larimore
Sat Feb 28, 2015 1:02 pm
 
Forum: Investing - Theory, News & General
Topic: "2015 Annual Letter by Scott Burns and Kennon Grose"
Replies: 8
Views: 1043

Maintaining a spreadsheet.

Kevin:

How much time during the year do you spend maintaining your spreadsheet and making portfolio adjustments?

Thank you and best wishes.
Taylor
by Taylor Larimore
Sat Feb 28, 2015 12:09 pm
 
Forum: Investing - Theory, News & General
Topic: Looking for good market dashboard
Replies: 6
Views: 562

Seasickness

Go with a captain that wont turn around for a seasick passenger. I was a charter captain and I disagree with this one. Few things are worse feeling than severe seasickness (I know). Whenever I had a passenger that was seasick and wanted to go into smooth water we turned around and went back. Best w...
by Taylor Larimore
Fri Feb 27, 2015 10:24 am
 
Forum: Personal Consumer Issues
Topic: Father / Son Deep Sea Fishing Trip
Replies: 21
Views: 1263

Re: "The world's largest non-commercial financial forum".

How do we know that it's the world's largest non-commercial financial forum? I would bet a large amount of money that it's true, but I was expecting some link to back up the claim. Sam & Ken: You are right, I always try to include a link when I make a positive statement like "we are the wo...
by Taylor Larimore
Thu Feb 26, 2015 10:04 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: "The world's largest non-commercial financial forum".
Replies: 29
Views: 2140

Adding Total International Bond Fund to The Three Fund Port.

New here and I have a question. I have recently moved to Vanguard after leaving USAA. Embarrassed that it took me this long to grow a brain. I currently am diversified in 4 Admiral Index Stocks. VTSAX, VTIAX, VBTLX, & VTABX. I also have some individual equities that are basically the "Hous...
by Taylor Larimore
Thu Feb 26, 2015 8:44 pm
 
Forum: Investing - Theory, News & General
Topic: Does 3-funds offer higher returns or lower risk?
Replies: 33
Views: 3471

"The world's largest non-commercial financial forum".

Bogleheads: In July 2001, Alex Frakt and Larry Auton debuted http://www.Bogleheads.org.. We are now the world's largest non-commercial financial forum with an average of over 1200 posts each day and over 2,000,000 viewers each month. Investors need to know that we are not just another financial webs...
by Taylor Larimore
Thu Feb 26, 2015 11:31 am
 
Forum: Local Chapters and Bogleheads Community
Topic: "The world's largest non-commercial financial forum".
Replies: 29
Views: 2140

Re: Asset Allocation me+spouse w/ different risk tolerance

We're going to go with 70/30 all around. When the Vanguard calculator came back and told us she was around 60/40 and I said I was at 80/20 she easily and immediately said "OK then let's do 70/30". CRC301: Deciding your stock/bond ratio is one of the most important investment decisions bec...
by Taylor Larimore
Wed Feb 25, 2015 8:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation me+spouse w/ different risk tolerance
Replies: 19
Views: 1308

Re: Picking a Vanguard fund

The ER and asset allocation of a fund are better indicators of future returns than are past returns. For index funds that track the same index, choose the one with the lower ER. Could you explain this further? Why is ER and asset allocation a better indicator than past returns of a fund that's been...
by Taylor Larimore
Tue Feb 24, 2015 9:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Picking a Vanguard fund
Replies: 7
Views: 796

Re: List of favorite accounts

Oh, man. No one has any accounts they'd like to share? I guess people might be afraid that if others start taking advantage of what they're doing, the benefit will go away. I suppose if no one responds in another day, I'll just delete the post. I hope that's possible. I don't want to waste good for...
by Taylor Larimore
Tue Feb 24, 2015 7:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: List of favorite accounts
Replies: 29
Views: 3273

Re: Guns for hunting/defense

What guns do you own and what would you like to own either for hunting or for self defense?

martin7:

I dislike killing animals and I live in a guarded condominium. No need for a gun.

Best wishes.
Taylor
by Taylor Larimore
Tue Feb 24, 2015 6:45 pm
 
Forum: Personal Consumer Issues
Topic: Guns for hunting/defense
Replies: 121
Views: 6050

Re: Target Retirement Fund over self managed portfolio

phanas:

Based on the information you provided, I would do exactly what you are considering.

If you ALSO have a taxable account, I would adopt The Three Fund Portfolio for better tax-efficiency and slightly lower cost.

Keep investing simple.

Best wishes.
Taylor
by Taylor Larimore
Tue Feb 24, 2015 6:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Target Retirement Fund over self managed portfolio
Replies: 6
Views: 955

"What the Experts Say About Investing"

Bogleheads: The financial world is so huge that we can only learn a small portion of what there is to know. Retaining even this "small portion" is almost impossible. Accordingly, many years ago I began collecting quotes from investing experts to help me on the road to investment success. O...
by Taylor Larimore
Tue Feb 24, 2015 5:29 pm
 
Forum: Investing - Theory, News & General
Topic: [favorite] Boglehead quotes
Replies: 42
Views: 3878

Oliver's and Versailles

I'd like to thank Taylor for pointing out Oliver's Bistro. We went there this morning and the breakfast was reasonable and very tasty. dsivi: I am glad you and your friends enjoyed breakfast at Oliver's . We went there last week before the Boat Show. There is a famous Cuban Restaurant in Miami wher...
by Taylor Larimore
Tue Feb 24, 2015 4:09 pm
 
Forum: Personal Consumer Issues
Topic: Help! I can't afford to eat on my South Beach vacation
Replies: 60
Views: 4888

Why wait to purchase a SPIA?

gasdoc: About 11 years ago at my age 80, we decided to purchase a SPIA (Single Premium Immediate Annuity). I, of course, contacted Vanguard first for pricing and service. I compared Vanguard's price with SPIAs at http://www.immediateannuities.com. They were cheaper than Vanguard for identical contr...
by Taylor Larimore
Tue Feb 24, 2015 12:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Experience with Vanguard Annuities?
Replies: 44
Views: 2612

Re: Experience with Vanguard Annuities?

gasdoc: About 11 years ago at my age 80, we decided to purchase a SPIA (Single Premium Immediate Annuity). I, of course, contacted Vanguard first for pricing and service. I compared Vanguard's price with SPIAs at http://www.immediateannuities.com. They were cheaper than Vanguard for identical contra...
by Taylor Larimore
Tue Feb 24, 2015 9:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Experience with Vanguard Annuities?
Replies: 44
Views: 2612

Index funds in a bear market?

The whole reason to choose the managed fund is they have the freedom to switch into treasuries if it makes sense. With the index, you would have to make that decision on your own to switch to another index. Standard & Poor's tracks managed funds vs. the fund's index. This is their finding: Bear...
by Taylor Larimore
Mon Feb 23, 2015 10:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Wellesley Income Fund a Buy?
Replies: 36
Views: 3163

Oliver's Bistro on South Miami Beach

A trick I do at other vacation spots is to load up at a big breakfast buffet and then skip lunch. I can't do that here - even breakfasts are expensive. dsivi: Skip Smith and Wollensky . This is their Menu. :oops: Oliver's Bistro at 959 West Avenue is a good place for a big breakfast with reasonable...
by Taylor Larimore
Mon Feb 23, 2015 9:57 pm
 
Forum: Personal Consumer Issues
Topic: Help! I can't afford to eat on my South Beach vacation
Replies: 60
Views: 4888

Re: Thoughts on Chase for everyday banking

TxAg: We moved to the Chase branch bank located on the nearest corner about 3 years ago. We have been delighted with their service. * Ask them if they offer benefits for a new customer (we received a cash benefit of several hundred dollars). * It's not announced but veterans get extra perks. I am gr...
by Taylor Larimore
Mon Feb 23, 2015 6:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Chase for everyday banking
Replies: 28
Views: 1880

Re: How much has Bogleheads contributed to your net worth?

On the 2-comma thread I got to thinking about how much this forum has helped contribute to my wife's and my net worth. In terms of asset allocation, fee minimization, lifestyle and saving, and tax strategies such as using HSAs. I started reading this forum in 2007. while it is just a guess, I don't...
by Taylor Larimore
Mon Feb 23, 2015 2:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much has Bogleheads contributed to your net worth?
Replies: 58
Views: 4096

Vanguard "Select Funds"

Bogleheads:

Today I learned that Vanguard keeps a short list of "Select Funds."

The three funds in The Three Fund Portfolio are on the list.

Vanguard Select Funds

Best wishes.
Taylor
by Taylor Larimore
Sun Feb 22, 2015 5:49 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1018
Views: 457090

Vanguard "Select" funds.

Toons and Ki_poorrichard:

Thank you for your quick reply.

Best wishes
Taylor
by Taylor Larimore
Sun Feb 22, 2015 5:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Wellesley Income Fund a Buy?
Replies: 36
Views: 3163

Re: The QQQ fund?

My girlfriend's grandfather (who is retired and well off, owned his own law practice) and I got to talking about personal finance and we pretty much shared the same views on passive investing. However, all that being said, he did say two things on top of this: 1. Hold the QQQ fund 2. If you have to...
by Taylor Larimore
Sun Feb 22, 2015 5:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: The QQQ fund?
Replies: 21
Views: 1640

Re: Vanguard Wellesley Income Fund a Buy?

Why else would Vanguard recommend it as one of their select funds?

Ki_poorrichard:

I am unaware that Vanguard recommends "select funds." Where can I find the list?

Thank you and best wishes.
Taylor
by Taylor Larimore
Sun Feb 22, 2015 5:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Wellesley Income Fund a Buy?
Replies: 36
Views: 3163

"The dream of a perfect plan?"

ybc: Welcome to the Bogleheads Forum! Should I continue with the safe vanguard funds ? or distribute a little more aggressively ? Sorry if im asking newb questions. I'm sort of new to this. As long as you are investing in tax-advantaged accounts, I would continue with the same expertly designed Vang...
by Taylor Larimore
Sun Feb 22, 2015 5:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: New to investing - advice
Replies: 4
Views: 342

When you have won the game -- stop playing

We've made our number regardless of stock-bond market performance. Itstomuch: In my experience, one of the biggest mistakes successful investors make is to get greedy trying to get more. I know. My multi-millionaire grandfather died bankrupt. I am in late retirement. Money that I can't afford to lo...
by Taylor Larimore
Sun Feb 22, 2015 8:26 am
 
Forum: Investing - Theory, News & General
Topic: [What to do at] Market Top
Replies: 57
Views: 4924

Thank you.

mrxyz:

Thank you for remembering.

Your success is our success.

Best wishes.
Taylor
by Taylor Larimore
Sat Feb 21, 2015 9:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2 comma club (my way)!!
Replies: 31
Views: 5056

Re: Asset Allocation me+spouse w/ different risk tolerance

My wife and I both have our Roth IRA's at Vanguard. We've been in 100% VTSAX for the past 6 years and I just read The Bogleheads' Guide to Investing and am serious about doing a proper asset allocation now (that said, not a bad 6 years to do 100% Domestic Stocks like idiots; thankfully it ended up ...
by Taylor Larimore
Sat Feb 21, 2015 9:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation me+spouse w/ different risk tolerance
Replies: 19
Views: 1308

Re: Letters to my Senators/Congressman re Bogle Medal of Fre

Peterantone:

Thank you for recognizing the qualities of John Bogle which make him an obvious contender for the Presidential Medal of Freedom--and for doing something about it.

John Bogle's Biography

Our mentor, Jack Bogle, deserves the support of everyone on this forum!

Best wishes.
Taylor
by Taylor Larimore
Sat Feb 21, 2015 9:25 pm
 
Forum: Investing - Theory, News & General
Topic: Letters to my Senators/Congressman re Bogle Medal of Freedom
Replies: 5
Views: 452

What experts say

Bill1952: Welcome to the Bogleheads Forum! If the advice to a 25 year old is to have a strong allocation to stocks (and under my formula that is probably 60% allocation, going as high as 80% and as low as 40% depending upon stock prices), then why wouldn't I want to do the exact same thing during my...
by Taylor Larimore
Sat Feb 21, 2015 9:16 pm
 
Forum: Investing - Theory, News & General
Topic: When 60/40 just isn't appropriate
Replies: 127
Views: 13053

What to do?

With DOW and S&P making new highs wondering what are the visitors to this forum doing. Cash out play money ? Sell individual stock positions and reinvest in index funds ? n00b_to_investing: I would do exactly what you suggest: "Cash out play money" and "Sell individual stock posi...
by Taylor Larimore
Sat Feb 21, 2015 7:01 pm
 
Forum: Investing - Theory, News & General
Topic: [What to do at] Market Top
Replies: 57
Views: 4924

Re: Starting a portfolio with large expenses on the horizon

Fluffy-yeti: Welcome to the Bogleheads Forum! The best financial book I have read for young doctors is The White Coat Investor written by Boglehead, Jim Dahle, MD. You can read valuable excerpts here: The White Coat Investor If you do not find it worthwhile, PM me and I will refund your money. Best ...
by Taylor Larimore
Sat Feb 21, 2015 6:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Starting a portfolio with large expenses on the horizon
Replies: 7
Views: 657

Re: On line product reviews vs Consumers Reports

I have been a longtime subscriber to Consumers Reports and have found it's recommendations to be generally good. But the last couple of years I find I use online recommendations more than Consumers. I tend to use recommendations on Amazon for most things but even Sears and other retailers have what...
by Taylor Larimore
Sat Feb 21, 2015 6:24 pm
 
Forum: Personal Consumer Issues
Topic: On line product reviews vs Consumers Reports
Replies: 37
Views: 2565

"Renovating a 401(k) Plan"

Bogleheads: If you are in an expensive 401(k) plan without low-cost index funds, today's Wall Street Journal has an excellent article suggesting what you can do about it. These are excerpts: "Common flaws in the popular saving plans include high fees and the absence of low-cost index funds, whi...
by Taylor Larimore
Sat Feb 21, 2015 6:01 pm
 
Forum: Investing - Theory, News & General
Topic: "Renovating a 401(k) Plan"
Replies: 0
Views: 239

Chase and me

I recently received the ultimate benefit: Lunch with the employees in their private lounge. :sharebeer Best wishes. Taylor Hello Taylor - Did the lunch turn into a sales pitch? Thanks. SHIFTs SHIFTs: Chase gave up pitching me for their "Wealth Management" service when I told them I'm very...
by Taylor Larimore
Fri Feb 20, 2015 9:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: $400 reward to open Chase accounts
Replies: 52
Views: 13480

Re: Should I switch to the 3 fund portfolio?

Re: Should I switch to the 3 fund portfolio? h8 2 lose: \Vanguard's Target and LifeStrategy funds were designed by Vanguard experts and primarily contain the same three Total Market Index funds containing over 10,000 individual diversified securities (for lower risk): Total U.S. Stock Market; Total...
by Taylor Larimore
Fri Feb 20, 2015 5:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I switch to the 3 fund portfolio?
Replies: 23
Views: 3086

Victoria's Boglehead handshake.

Victoria:

Thank you for your reply. It should be a wonderful adventure.

Please don't reveal the secret Boglehead handshake you invented using only Index fingers. :happy

Best wishes.
Taylor
by Taylor Larimore
Mon Feb 16, 2015 7:44 pm
 
Forum: Personal Consumer Issues
Topic: Preparing for 2 months incommunicado
Replies: 142
Views: 6335

The Three Fund Portfolio

Vicky:

Welcome to the Bogleheads Forum!
What would you do, if I were you?

I would avoid market-timing and invest in The Three Fund Portfolio.

Best wishes.
Taylor
by Taylor Larimore
Mon Feb 16, 2015 7:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to Invest $250,000 now?
Replies: 10
Views: 1553

el Camino de Santiago

Victoria:

There are several " el Camino de Santiago's." Which one are you choosing?

http://en.wikipedia.org/wiki/Camino_de_ ... iptions%29

Best wishes.
Taylor
by Taylor Larimore
Mon Feb 16, 2015 7:26 pm
 
Forum: Personal Consumer Issues
Topic: Preparing for 2 months incommunicado
Replies: 142
Views: 6335

Re: Morningstar: "20 IRA Mistakes to Avoid"

Gordon:

Thank you for this important article that should be read by everyone with an IRA (or expecting to inherit one).

Best wishes.
Taylor
by Taylor Larimore
Mon Feb 16, 2015 6:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Morningstar: "20 IRA Mistakes to Avoid"
Replies: 2
Views: 701

Re: Long term bonds in VBTLX/VBMFX

The BH bond wiki recommends intermediate-term bonds over long-term bonds for most investors (" Long-term bonds have historically returned no more than intermediate-term bonds, but with far greater volatility.") I've noticed that many BHs use VBTLX or VBMFX as a core holding, especially th...
by Taylor Larimore
Mon Feb 16, 2015 12:38 pm
 
Forum: Investing - Theory, News & General
Topic: Long term bonds in VBTLX/VBMFX
Replies: 12
Views: 795

LifeStrategy or Target Funds?

How would you improve upon the Vanguard Lifestrategy Funds? mbk 734: Vanguard LifeStrategy funds were first offered in 1994. In 2003 Vanguard offered its Target Funds which, in my opinion, were meant as an improvement over the LifeStrategy funds. I prefer the Target Funds for these reasons: * Twelv...
by Taylor Larimore
Mon Feb 16, 2015 12:27 pm
 
Forum: Investing - Theory, News & General
Topic: Improving the Lifestrategy Funds
Replies: 29
Views: 2522

Re: Read WSJ every day ?

Do most Bogleheads read the Wall Street Journal every day to keep well informed concerning personal finance ? Jpg: I am currently a subscriber because I was given a subscription. It is a very good newspaper full of interesting information about the world. They do a good job of keeping the news and ...
by Taylor Larimore
Mon Feb 16, 2015 9:52 am
 
Forum: Personal Consumer Issues
Topic: Read WSJ every day ?
Replies: 86
Views: 4967

Re: possible churning?

is there any rational reason for a financial manager to continually sell and buy shares of an S&P mid cap ETF on a monthly basis? magpiejst: I cannot think of any rational reason. Buying and selling shares has a direct cost and often results in a tax (short-term capital-gain) in a taxable accou...
by Taylor Larimore
Sun Feb 15, 2015 1:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: possible churning?
Replies: 20
Views: 1308

Re: The Three Fund Portfolio

* Minimum investment is $3,000 (VBINX investor shares). Life Strategy and Target Fund minimums are $1,000. STAR fund and the Target Retirement series have a $1,000 minimum. The LifeStrategy funds have a $3,000 minimum AE81: Thank you for the correction. I will edit my post. Best wishes. Taylor
by Taylor Larimore
Sun Feb 15, 2015 11:46 am
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1018
Views: 457090
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