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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: 34
Views: 2668

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: 4
Views: 669

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: 126
Views: 7766

International Equities ?

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 Portfolio puts only as much weight in international equities as the investor desires. This ...
by Taylor Larimore
Tue Nov 25, 2014 4:51 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 950
Views: 391196

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: 611

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: 631

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: 631

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: 23
Views: 1807

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: 23
Views: 1807

"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: 46
Views: 1717

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: 7
Views: 724

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: 3277

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: 4091

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: 158
Views: 9616

"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: 5911

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: 776

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: 776

"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: 828

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: 126
Views: 7766

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: 2609

"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: 436

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: 1288

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: 126
Views: 7766

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: 2609

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: 158
Views: 9616

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: 2609

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: 34
Views: 2668

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: 916

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: 495

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: 916

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: 5911

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: 34
Views: 2668

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: 158
Views: 9616

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: 158
Views: 9616

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: 158
Views: 9616

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: 158
Views: 9616

When authorities disagree . .

My main question is, what are everyone's thoughts on diversifying their bond holdings among different types of bonds?
\
nspayne17:

When authorities disagree it is often because there is no foreseeable difference.

Best wishes.
Taylor
by Taylor Larimore
Sat Nov 22, 2014 4:00 pm
 
Forum: Investing - Theory, News & General
Topic: Diversification among Bonds?
Replies: 32
Views: 2850

Simplicity

Dandy wrote:It is important to strive for simplicity

Why?

Dandy:

Please use the link in my signature below.

Best wishes.
Taylor
by Taylor Larimore
Sat Nov 22, 2014 8:22 am
 
Forum: Investing - Theory, News & General
Topic: Diversification among Bonds?
Replies: 32
Views: 2850

Re: What would be the investing strategy for a coming crash?

Obviously some economists do believe it is possible to predict busts.

Nile98:

"There are two types of forecasters; those who don't know and those who don't know they don't know." -- John Kenneth Galbraith

Best wishes.
Taylor
by Taylor Larimore
Fri Nov 21, 2014 10:08 pm
 
Forum: Investing - Theory, News & General
Topic: What would be the investing strategy for a coming crash?
Replies: 81
Views: 6396

Re: The Bogleheads Have Taken Over

On The Bogleheads' Guide to Retirement Planning - is this book aimed toward the accumulation or distribution phase? It seems it's similar to The Bogleheads' Guide to Investing but more focused specifically on retirement accounts? Was reading Amazon description and was trying to put it all together ...
by Taylor Larimore
Fri Nov 21, 2014 9:54 pm
 
Forum: Investing - Theory, News & General
Topic: The Bogleheads Have Taken Over
Replies: 8
Views: 2246

Re: Diversification among Bonds?

My main question is, what are everyone's thoughts on diversifying their bond holdings among different types of bonds? nspayne17: In my opinion, ANY low-cost, good quality, diversified short- or intermediate-term bond fund will do the job of providing safety in a portfolio. It is more efficient to u...
by Taylor Larimore
Fri Nov 21, 2014 6:31 pm
 
Forum: Investing - Theory, News & General
Topic: Diversification among Bonds?
Replies: 32
Views: 2850

Re: Past and Future returns

I don't see the next 15 years providing the returns of the past 15 years. This table includes the past 15 year asset-class returns for the period ending 6-30-00: Just to clarify if I may, are these results for the period starting 6-30-00? Or are these '85-2000? Nicely formatted table by the way! in...
by Taylor Larimore
Fri Nov 21, 2014 5:38 pm
 
Forum: Investing - Theory, News & General
Topic: Small cap value premium
Replies: 126
Views: 7766

"If You Can" Free Again, Starting Tomorrow

Bill:

Thank you for your contribution of this fine book.

I have included important excerpts from If You Can in my "Collection of Investment Gems":

If You Can

Best wishes.
Taylor
by Taylor Larimore
Fri Nov 21, 2014 5:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: If You Can Free Again, Starting Tomorrow
Replies: 4
Views: 1508

"Are You an Irrational Investor? Here’s How to Tell"

Bogleheads:

Allan Roth, an author and Boglehead who writes the finance articles for AARP magazine, asks:

Are You an Irrational Investor? Here's How to Tell

Best wishes.
Taylor
by Taylor Larimore
Fri Nov 21, 2014 5:14 pm
 
Forum: Investing - Theory, News & General
Topic: "Are You an Irrational Investor? Here’s How to Tell"
Replies: 13
Views: 1805

Past and Future returns

I don't see the next 15 years providing the returns of the past 15 years. This table includes the past 15 year asset-class returns for the period ending 6-30-00: Style.......1 Yr...3 Yrs.....5 Yrs...10 Yrs...15 Yrs. LCG......27.19...27.04....24.98...17.85....17.15 LCB........8.93...17.29....20.35.....
by Taylor Larimore
Fri Nov 21, 2014 1:40 pm
 
Forum: Investing - Theory, News & General
Topic: Small cap value premium
Replies: 126
Views: 7766

Re: New Investor (23), Switch from Vanguard Target Retiremen

Create a three-fund portfolio that is 35% Total Stock Market Index Fund Admiral Shares (Personal Account), 35% Total International Stock Index Fund Admiral Shares (Personal Account), 30% Total Bond Market Index Fund Admiral Shares (Roth IRA). briansfeldman: What you propose is the simple, sophistic...
by Taylor Larimore
Thu Nov 20, 2014 6:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Investor (23), Switch from Vanguard Target Retirement?
Replies: 6
Views: 900

The Merriman Funds ?

Bogleheads: I met Mr. Merriman long ago and was impressed enough to buy his book, Investing for a Lifetime. In his book, published in 1992, he refers to his three Merriman Funds: Merriman Timed Blue Chip Fund; Merriman Timed Capital Appreciation Fund ; and Merriman Timed Asset Allocation Fund. Does ...
by Taylor Larimore
Thu Nov 20, 2014 9:37 am
 
Forum: Investing - Theory, News & General
Topic: 10 Reasons why Merriman dislikes Total Stock Mkt
Replies: 88
Views: 8166

Re: Is investing more risky today today than before the inte

Victoria:

Nice post! The Bogleheads forum at its best!

Thank you and best wishes.
Taylor
by Taylor Larimore
Wed Nov 19, 2014 6:59 pm
 
Forum: Investing - Theory, News & General
Topic: Is investing more risky today today than before the internet
Replies: 30
Views: 2809

20 reasons TSM is now the world's largest mutual fund

10 Reasons why Merriman dislikes Total Stock Mkt Springman: Below are 20 Reasons why Vanguard's Total Stock Market Index Fund is now the largest mutual fund in the world: 1 Rated Gold (highest rating) by Morningstar analysts . 2 Broad diversification containing more U.S. stocks than any other mutua...
by Taylor Larimore
Wed Nov 19, 2014 5:05 pm
 
Forum: Investing - Theory, News & General
Topic: 10 Reasons why Merriman dislikes Total Stock Mkt
Replies: 88
Views: 8166
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