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A wise and good son!

i have decided to put $3000 for myself into VTSMX (i hope i make the right choice lol) and i will try to max it as i can. As for my parents i have take Mr. Taylor advised i have put $4000 down into VTINX for my parents as their birthday gift and will rush them to max it out. starnox: Total Stock Ma...
by Taylor Larimore
Thu Jul 31, 2014 5:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please give me advice to help my parents
Replies: 8
Views: 803

Sound investing is not complicated.

Some people just can't embrace how simple it can be, and seem to want to try and push and pull their stocks hoping their efforts will somehow generate something extra. JoMoney: Thank you for your post. A study by Rick Ferri found that for the 10-year period (2003-2012) The Three Fund Portfolio outp...
by Taylor Larimore
Thu Jul 31, 2014 4:57 pm
 
Forum: Investing - Theory, News & General
Topic: International investing. A good call by our mentor.
Replies: 28
Views: 2726

Re: Dave Ramsey still defending 12% and still angry at "nerd

M_to_the_G:

Mr. Ramsey might benefit from reading this 2012 speech by Mr. Bogle:

Thinking About What Lies Ahead For Investors

Best wishes.
Taylor
by Taylor Larimore
Thu Jul 31, 2014 2:14 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey still defending 12% and still angry at "nerds"
Replies: 38
Views: 3543

Re: Is rebalancing worth having bonds?

Yes, even as a 38-year old I still have a 15+ year horizon
.
madbrain:

Assuming you live to my age (90), you have 52 years of investing ahead.

Best wishes.
Taylor
by Taylor Larimore
Thu Jul 31, 2014 10:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Is rebalancing worth having bonds?
Replies: 26
Views: 1769

Re: How old are you?

I see that my good friend,Taylor, hasn't checked in yet (he's 90). Of course, he may have a hard time getting his mouse to stand still in the circle long enough to vote. :D Mel: Your old paratrooper friend is a jump ahead of you. There are currently 225 replies-- one of which is over age 85. The 85...
by Taylor Larimore
Wed Jul 30, 2014 9:52 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: How old are you?
Replies: 66
Views: 4216

Re: Help with my portfolio

I have read the fee disclosure and it does say "operating expenses charged to participants" is 0%. There is a note which says: The Bank of New York Mellon Corporation pays the Total Annual Operating Expense for this investment alternative, which is managed by Mellon Capital Management, an...
by Taylor Larimore
Wed Jul 30, 2014 9:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with my portfolio
Replies: 9
Views: 805

401k Fee Disclosure Statement

The expense ratio is really 0.0 for the index funds offered through my spouse's 401k. surprising, right? Authrid: Very surprising. I never heard of such a thing. What about administrative fees, record-keeping fees, investment management fees, sales loads, transaction fees, investment advisory fees,...
by Taylor Larimore
Wed Jul 30, 2014 8:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with my portfolio
Replies: 9
Views: 805

Order of investments

hi, 1 more question. I need a bond fund for my 401K. The choices are PIMCO Real Return Fund Institutional Class (PRRIX) or PIMCO Total Return Fund Institutional Class (PTTRX). I could also just hold stock index funds in my 401K and invest in bonds in my IRA Rollover. Your advice is appreciated. PH1...
by Taylor Larimore
Wed Jul 30, 2014 8:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Investing Advice
Replies: 17
Views: 1464

Re: Should retirement investors own small/value stocks at al

I'm not looking for an exact guaranteed answer, but just some help getting a feeling for the size of the effects. rnitz: The size effect may not be in the direction you want. There is a strong argument that a cap-weighted total market index fund is efficient -- in the sense that no other US stock p...
by Taylor Larimore
Wed Jul 30, 2014 8:03 pm
 
Forum: Investing - Theory, News & General
Topic: Should retirement investors own small/value stocks at all?
Replies: 35
Views: 2471

Don't rely on mortality tables.

Enkido: In my opinion, using mortality tables for planning is more likely to mislead than help. Here's why: Mortality tables are averages. Few of us die on the date of any mortality table. Half die younger; half die older. I am older than my youngest son and my wife. The mortality table said I would...
by Taylor Larimore
Wed Jul 30, 2014 6:56 pm
 
Forum: Investing - Theory, News & General
Topic: Using equal mortality time intervals for planning
Replies: 14
Views: 627

Re: Was ready to pull plug on Janus..until

galeno wrote:..Just have to decide on the bonds allocation, thinking 30%, with 50% total stock index, 20% total INT index.>>

galeno:

This asset-allocation tool may be helpful:

https://personal.vanguard.com/us/funds/ ... mmendation

Best wishes.
Taylor
by Taylor Larimore
Wed Jul 30, 2014 6:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Was ready to pull plug on Janus..until
Replies: 66
Views: 3823

A superior portfolio.

authrd: Welcome to the Bogleheads Forum! Your asset-allocation plan appears reasonable. I did not verify that your funds match your plan. However, your portfolio has the elements of a superior portfolio: You have a plan. You are saving regularly. Your portfolio is very low cost. Your portfolio is ve...
by Taylor Larimore
Wed Jul 30, 2014 6:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with my portfolio
Replies: 9
Views: 805

International investing. A good call by our mentor.

Bogleheads: Fifteen Years ago Mr. Bogle published his first edition of Common Sense on Mutual Funds . He wrote (page 186): I would recommend limiting international investments to a maximum of 20 percent of a global equity portfolio. Today , fifteen years later, I went to Morningstar to look-up the p...
by Taylor Larimore
Wed Jul 30, 2014 5:03 pm
 
Forum: Investing - Theory, News & General
Topic: International investing. A good call by our mentor.
Replies: 28
Views: 2726

Nice post.

ML59:

Nice post!

Thank you and best wishes.
Taylor
by Taylor Larimore
Wed Jul 30, 2014 11:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Was ready to pull plug on Janus..until
Replies: 66
Views: 3823

Re: global diversification works in long term

Larry: Thank you for sharing your well-written and balanced article about Global Diversification. Vanguard did a February, 2014 study on the subject of Global Equities. This was their conclusion: Although no one answer fits all investors, empirical and practical considerations suggest a reasonable s...
by Taylor Larimore
Wed Jul 30, 2014 8:55 am
 
Forum: Investing - Theory, News & General
Topic: global diversification works in long term
Replies: 19
Views: 1283

Return and Volatility

rfowler:
"One percentage point of excess return is priceless; one point of additional standard deviation is meaningless." -- Jack Bogle

Best wishes.
Taylor
by Taylor Larimore
Tue Jul 29, 2014 7:31 pm
 
Forum: Investing - Theory, News & General
Topic: Should retirement investors own small/value stocks at all?
Replies: 35
Views: 2471

The smallest concern.

It looks like Fidelity could raise the fees on their total market fund from .05 to .07 in April 2015. Should I be concerned?

PH 12:

Although cost is very important, In my opinion .02% of 1.00% is so tiny it is the last thing you should be concerned about when selecting a fund.

Best wishes.
Taylor
by Taylor Larimore
Tue Jul 29, 2014 7:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Investing Advice
Replies: 17
Views: 1464

Re: Please give me advice to help my parents

Starnox: Welcome to the Bogleheads Forum! Your parents raised a smart and caring son. I'm sure your parents must be very concerned about their retirement income. However, I'm not sure this is the time to help them with your own savings. Instead try to get them to start their own IRAs. A Vanguard's T...
by Taylor Larimore
Tue Jul 29, 2014 6:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please give me advice to help my parents
Replies: 8
Views: 803

It depends.

Situation: Suppose someone has $50k sitting in a 0.85% savings account with Discover Bank with plans to use this money to build a cabin next summer (12 months from now). Question: Would you leave it sit in that account or would you put that money elsewhere for the next 12 months? Risk: This person ...
by Taylor Larimore
Tue Jul 29, 2014 6:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Opinions - What to do with $50k for 12mos
Replies: 10
Views: 1184

"Tail risk"

Can you elaborate on what you mean: "to cut tail risk" I'm not familiar with that phrase. rfowler: You are not alone. This is one definition: Tail risk is the risk of an asset or portfolio of assets moving more than 3 standard deviations from its current price. In particular, most asset m...
by Taylor Larimore
Tue Jul 29, 2014 6:19 pm
 
Forum: Investing - Theory, News & General
Topic: Should retirement investors own small/value stocks at all?
Replies: 35
Views: 2471

Re: Goodbye and Good Luck!

Longtimelurker: Thank you for all you have done for us. We appreciate knowing that he have helped you become a more successful investor. I have tried to give back what I have learned and hope that my small contributions have been a benefit to others. Your many contributions have helped thousands and...
by Taylor Larimore
Tue Jul 29, 2014 4:33 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Goodbye and Good Luck!
Replies: 12
Views: 2383

Re: Vanguard Asset Allocation Tool

MillennialDoc: Welcome to the Bogleheads Forum! I'm still deciding what my asset allocation should be. Vanguard has this Asset Allocation Tool to help you decide what your asset allocation should be: Asset Allocation Tool Best wishes Taylor Interesting. I filled it out quickly guessing what the OP ...
by Taylor Larimore
Tue Jul 29, 2014 4:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is rebalancing worth having bonds?
Replies: 26
Views: 1769

Vanguard Asset Allocation Tool

MillennialDoc:

Welcome to the Bogleheads Forum!
I'm still deciding what my asset allocation should be.

Vanguard has this Asset Allocation Tool to help you decide what your asset allocation should be:

Asset Allocation Tool

Best wishes
Taylor
by Taylor Larimore
Tue Jul 29, 2014 4:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is rebalancing worth having bonds?
Replies: 26
Views: 1769

Minority ownership.

aprilcpa: Owning minority shares in a company with no public marketplace can be a disaster. The company gets to use your money, any way they want, and it is likely that you will have no way to sell your shares at fair value (or at all). My dad died broke owning shares in a successful small-business ...
by Taylor Larimore
Tue Jul 29, 2014 1:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need help deciding whether to sell inherited business
Replies: 12
Views: 776

The ultimate compliment.

Any post of Taylor that has nothing to do with finance, but just the wisdom he has developed over the many years of life. He has a way of conveying simple messages much the same way as Mr. Bogle, but still with profound meaning. Staythecourse: Being compared, in any way, with Mr. Bogle is the ultim...
by Taylor Larimore
Tue Jul 29, 2014 12:49 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: favorite bogleheads posts?
Replies: 50
Views: 4050

Nisiprius on "bonds."

Bogleheads: I just finished reading the Nisiprius post on bonds (it's the 4th Reply). His post is a gem. Nisiprius tells us all we need to know about bonds. In my opinion, ANY low-cost, good quality, diversified, short- or intermediate-term bond fund provides a portfolio with safety and income. Best...
by Taylor Larimore
Tue Jul 29, 2014 9:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Bonds!!??
Replies: 56
Views: 10437

Investing in individual stocks and bonds?

Does anybody hold individual companies, as a portion of your portfolio? Anybody with a riskier 80/20 Stocks to bonds?? riptide: I stopped holding individual company stocks many years ago. Here's why: "Think you know how to pick stocks? Then guess again. Every time you buy or sell, the person o...
by Taylor Larimore
Mon Jul 28, 2014 3:22 pm
 
Forum: Investing - Theory, News & General
Topic: Do any boggleheads invest in individual companies?
Replies: 95
Views: 5209

"Five ascending levels of intellect."

Bogleheads:

When thinking about adding additional funds, consider these words of wisdom:
"The five ascending levels of intellect are: smart, intelligent, brilliant, genius, simple." -- Albert Einstein

Best wishes.
Taylor
by Taylor Larimore
Mon Jul 28, 2014 3:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Young investor blending SUBH and Minimized Fat Tails?
Replies: 39
Views: 2249

Bonds: Lump sum or invest over time?

PH12: Welcome to the Bogleheads Forum! Hi, I looked at the Spartan US Bond Index Fund (FBIDX) and Vanguard Total Bond Market Index fund (VBMFX) that were recommend. If I wanted 30% of my potfolio in bonds should I just invest the money in one lump sum? Should do it over time? I have no experience wi...
by Taylor Larimore
Sun Jul 27, 2014 7:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Investing Advice
Replies: 17
Views: 1464

Bob's Financial Website

Bogleheads:

Below is a link to the discontinued Bob's Financial Website:

http://web.archive.org/web/201102080640 ... bsite.com/

Good financial advice withstands the test of time.

Best wishes.
Taylor
by Taylor Larimore
Sun Jul 27, 2014 3:13 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: favorite bogleheads posts?
Replies: 50
Views: 4050

A very nice comment from "clearwater."

I want to thank "clearwater" for this recent post: Taylor's "Three Fund Portfolio" postings win hands down for the best thing I've ever read on any finance site, anywhere, ever. That he faithfully introduces people to it with great charm, graciousness, and wisdom, makes it even m...
by Taylor Larimore
Sun Jul 27, 2014 2:30 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 822
Views: 320525

"Best 401(K) Plans"

[Thread merged, see below. --admin LadyGeek] Bogleheads: Bloomberg has ranked the 401(k) plans of the 250 biggest companies in the S&P 500 as of February 21, 2014. ConocoPhillips is at the top; Facebook is at the bottom. If your employer is listed, I hope you are near the top. BEST 401(K) PLANS...
by Taylor Larimore
Sun Jul 27, 2014 2:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bloomberg rates Large Company 401k plans
Replies: 22
Views: 2269

100% stocks ?

Also, thanks for the reading suggestions, I have some more research to do. Trevor: A million dollars is no longer a large amount of money for retirement. $1M at 4% = $40,000/year (before tax). Check-out The Three Fund Portfolio , it's advantages, and the many experts who recommend it. I strongly re...
by Taylor Larimore
Sun Jul 27, 2014 11:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Have a million to transfer, thinking of doing 100% stocks
Replies: 38
Views: 3667

Reversion to the Mean

The Equity Income Fund, which is managed in part by Wellington Management Co, seems to be outperforming other large cap index funds such as 500 Index, Large Cap Index, Growth Index and Value Index in the 5 year and 10 year returns. Has anyone invested in this large Cap fund? Is it just benefiting f...
by Taylor Larimore
Sun Jul 27, 2014 10:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Equity Income Fund Good Performance
Replies: 3
Views: 354

Re: Vanguard sued for charging too little

Bogleheads:

One thing I know for certain: Jack Bogle, founder of Vanguard, would never knowingly break the law.

I doubt Vanguard's integrity has changed.

Best wishes.
Taylor
by Taylor Larimore
Sat Jul 26, 2014 10:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard sued for charging too little
Replies: 114
Views: 11505

100th post!

P.S. My 100th post :sharebeer

rrppve:

Congratulations and thank you.

Best wishes
Taylor
by Taylor Larimore
Sat Jul 26, 2014 9:28 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard quietly adds longevity annuities
Replies: 76
Views: 5237

Re: Van. total bond vs intermediate

I can not thank everyone enough for your responses. This website is a golden jewel. People are so generous in sharing their vast knowledge. I have learned so much. Hopefully in the future I will be able to contribute my knowledge when newbies ask questions. Thank you again! Janet Janet: This forum ...
by Taylor Larimore
Sat Jul 26, 2014 3:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Van. total bond vs intermediate
Replies: 11
Views: 1504

More is less.

If you continue to gain experience the Target-Date fund will start to look good again. A very astute observation. Paul Crafter is one of our most experienced Bogleheads and the author of Investment Guide / Paul put it this way: After doing it all, I now feel I've come around in a complete circle, e...
by Taylor Larimore
Sat Jul 26, 2014 3:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Young investor blending SUBH and Minimized Fat Tails?
Replies: 39
Views: 2249

Re: List of Worst financial advice (what not to do):

I hope I loosen up in retirement years or else my kids will gladly spend it:-)

Ldevelopment:

The problem is that you would rather give it to your kids than spend it on yourself.

Best wishes.
Taylor
by Taylor Larimore
Fri Jul 25, 2014 10:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: List of Worst financial advice (what not to do):
Replies: 144
Views: 16115

Seeking more complicated strategies ?

metaphysik: Welcome to the Bogleheads forum! I've been a passive Target-Date investor for ten years, but I feel like I now have enough experience, confidence, and savings to branch out into more complicated investment strategies. All four of your mutual funds are Vanguard Target Retirement 2050 (VFI...
by Taylor Larimore
Fri Jul 25, 2014 9:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Young investor blending SUBH and Minimized Fat Tails?
Replies: 39
Views: 2249

Our best financial decision.

There never is any free lunch, and especially with Merrill Lynch. I am certain our senior and distinguished colleague, Taylor Larimore, can offer further insights into that observation. Choose wisely..and good luck--Shawcroft SP500: The "insight" that Shawcroft referred to, can be told in...
by Taylor Larimore
Fri Jul 25, 2014 4:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mutual fund account with Vanguard or MerrillEdge?
Replies: 31
Views: 1262

New Rules For Money Market Funds.

[Thread merged, see below. --admin LadyGeek] Bogleheads: Morningstar has published the new rules for Money Market Funds: Required Liquidity Fees If a money-fund's holding can be easily and readily converted to true cash, the SEC designates that holding as being either a "daily liquid" or ...
by Taylor Larimore
Fri Jul 25, 2014 11:37 am
 
Forum: Investing - Theory, News & General
Topic: SEC Adopts Money Market Fund Reform Rules
Replies: 52
Views: 2774

Fund placement

abuss368 wrote:Why not just simply use a strategy of "equal location ?"

Because either stocks or bonds will be in the wrong type account.

Best wishes.
Taylor
by Taylor Larimore
Fri Jul 25, 2014 11:15 am
 
Forum: Investing - Theory, News & General
Topic: The article on tax efficient placement needs to be rewri
Replies: 75
Views: 4095

Mathematics can be detrimental.

Rodc:

I wish more Bogleheads could read your post, above.

Thank you and best wishes.
Taylor
by Taylor Larimore
Thu Jul 24, 2014 11:04 pm
 
Forum: Investing - Theory, News & General
Topic: "What Has Time Taught Bill Bernstein?"
Replies: 19
Views: 3885

"Simplify, Simplify, simplify."

rca:

Thank you for your link to Mr. Bogle's interview which included this advice:
What we should be trying to do is simplify, simplify, simplify.

Best wishes.
Taylor
by Taylor Larimore
Thu Jul 24, 2014 6:28 pm
 
Forum: Investing - Theory, News & General
Topic: Primer on slice and dice alternatives to total bond market?
Replies: 8
Views: 593

"Corporate Junk Bonds?"

Some people like Jack Bogle say it fails to include corporate junk bonds. rca: I follow Jack Bogle's teachings closely, but I never heard Mr. Bogle criticize Total Bond Market because "it fails to include corporate junk bonds." Can you give us your source? Thank you and best wishes. Taylor
by Taylor Larimore
Thu Jul 24, 2014 12:16 pm
 
Forum: Investing - Theory, News & General
Topic: Primer on slice and dice alternatives to total bond market?
Replies: 8
Views: 593

Total Bond Market Index Fund -- a "free lunch."

I am taking my first step in purchasing bonds. I have been reading about Vanguards Total Bond Fund and Van. Intermeoudiate Bond Fund for my IRA. I can not determine much difference. I am nearing retirement. Am I missing anything? Looks like the intermediate has better return. Any recommendations? T...
by Taylor Larimore
Thu Jul 24, 2014 8:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Van. total bond vs intermediate
Replies: 11
Views: 1504

Re: Consumer Staples > Total Index?

Investo: I used your link to the article by Patrick O'Shaughnessy on how to beat the market with Consumer Staples. Patrick O'Shaughnessy is the manager of three funds. Morningstar ranks his three funds for a maximum of three years and only for after-tax performance. This is each O'Shaughnessy funds ...
by Taylor Larimore
Wed Jul 23, 2014 10:08 pm
 
Forum: Investing - Theory, News & General
Topic: Consumer Staples > Total Index?
Replies: 9
Views: 825

401(k)s and Total Market Index Funds

aj44:

It is gratifying to learn that 401k administrators are beginning to recognize the many benefits of Total Market Index Funds.

Best wishes.
Taylor
by Taylor Larimore
Wed Jul 23, 2014 6:58 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 822
Views: 320525

"Asset Location Revisited"

rca: William Reichenstein, Ph.D., CFA is an acknowledged authority on the subject of Fund Location. Last year, during a period of even lower bond yields, Professor Reichenstein and William Meyer wrote a paper published in the Journal of Financing: This paper concludes by indicating that except in ra...
by Taylor Larimore
Wed Jul 23, 2014 5:49 pm
 
Forum: Investing - Theory, News & General
Topic: The article on tax efficient placement needs to be rewri
Replies: 75
Views: 4095
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