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Target Funds. Answer to questions

dsquy: First of all, I want to thank you (and I am sure other Bogleheads feel the same) for your service to our country! What I haven't quite found in language simple enough for me to grasp is whether or not this just applies to new contributions, or if the existing portions of the fund are automati...
by Taylor Larimore
Tue Apr 15, 2014 8:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Target Funds
Replies: 3
Views: 248

Bond yields ?

Bogleheads:

Higher yield in bonds nearly always equals higher risk. This quote says it all:
More money has been lost by investors seeking higher yield than has been lost at the point of a gun.

Best wishes.
Taylor
by Taylor Larimore
Tue Apr 15, 2014 7:38 pm
 
Forum: Investing - Theory, News & General
Topic: Why are total bond market funds so often recommended?
Replies: 20
Views: 1856

Re: Rebalancing

Just a quick question for the board. I just did my annual rebalance in a few months back so I won't be doing another one until 2015. This past year I just allowed TIAA-CREF to rebalance my account automatically on my birthday (I use all Vanguard Institutional funds in my TIAA-CREF 403B). Am I bette...
by Taylor Larimore
Tue Apr 15, 2014 7:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing Question
Replies: 5
Views: 244

Long-term returns of U.S. stock market.

I would like to see if Great-great-great-great Grandpa invested a $1,000 in Vanguard Total Stock Market back in 1792, what would his account value be worth now? Also, his average performance for 222 years. :-) imgritz Jeremy Siegel has a graph on the cover of the second edition of his Stocks for th...
by Taylor Larimore
Tue Apr 15, 2014 6:49 pm
 
Forum: Investing - Theory, News & General
Topic: Stocks: How Bad It Can Get
Replies: 57
Views: 4058

Re: Stocks: How Bad It Can Get

Cosmo wrote:So what action can I take on this information?

Cosmo:

Allocate a sufficient amount of bonds in your portfolio so that you will not lose sleep or sell during the next bear market.

Best wishes.
Taylor
by Taylor Larimore
Tue Apr 15, 2014 5:46 pm
 
Forum: Investing - Theory, News & General
Topic: Stocks: How Bad It Can Get
Replies: 57
Views: 4058

Re: what bond funds to hold(Bernstein's Sheltered Sam)

I read William Bernstein's Four Pillars of Investing and Intelligent Asset Allocator about a year ago and have been investing according to his "Sheltered Sam" portfolio since. I've had the bond portion of my porfolio(80stock/20bond) in the following: 12% VSGDX Vanguard Short-Term Federal ...
by Taylor Larimore
Tue Apr 15, 2014 5:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: what bond funds to hold(Bernstein's Sheltered Sam)
Replies: 4
Views: 350

A personal story.

Stocks: How Bad It Can Get? asset_chaos: This is a post I wrote on November 15, 2008, near the bottom of a bad bear market when most stock funds had already lost over 50%. Our family owned "Larimore's Diner" in Foxboro, Mass. in 1929. I was 5 years old and remember. When the depression hi...
by Taylor Larimore
Tue Apr 15, 2014 5:16 pm
 
Forum: Investing - Theory, News & General
Topic: Stocks: How Bad It Can Get
Replies: 57
Views: 4058

Re: Annuities

CountryBoy: A 5-year SPIA (Single Premium Immediate Annuity) sounds like an oxymoron to me. In any event, so few companies offer them that I doubt if the premium is competitive. I would stay liquid until you are sure you are ready to start receiving your annuity income. Buy at that time (assuming yo...
by Taylor Larimore
Tue Apr 15, 2014 4:52 pm
 
Forum: Investing - Theory, News & General
Topic: Annuities
Replies: 58
Views: 3212

The case for TBM.

Can anyone make a case for TBM? Not "it doesn't matter", but a real reason to introduce agency and corporate bonds into a simple stock + treasury portfolio? Steve: No one can forecast which bond fund category will outperform (risk & return) in the future. The case for Total Bond Marke...
by Taylor Larimore
Tue Apr 15, 2014 4:20 pm
 
Forum: Investing - Theory, News & General
Topic: Why are total bond market funds so often recommended?
Replies: 20
Views: 1856

Re: SPIA Annuities

But as of the moment, the complexity of the product together with the learning curve required cause me to back off. Country Boy: A single premium immediate annuity (SPIA) is one of the most simple investment products you can buy. You pay a one-time premium and receive a guaranteed income for life. ...
by Taylor Larimore
Tue Apr 15, 2014 8:09 am
 
Forum: Investing - Theory, News & General
Topic: Annuities
Replies: 58
Views: 3212

Stay the course.

In the past few months i lost about $10K in my retirement investments and my biotech mutual fund has tanked as well. is this downswing in the market temporary? whats everyone doing now..staying the course as always? Stoney: Six months ago you wrote: i am really tempted to sell all my stocks and fun...
by Taylor Larimore
Tue Apr 15, 2014 7:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Lost $10K in my investments past few months
Replies: 36
Views: 4048

John Bogle

Bogleheads: A wonderful picture of our mentor, John Bogle, working in his office "to give ordinary investors a fair shake": http://news.investors.com/photopopup.aspx?path=MFjump_140403.jpg&docId=695709&xmpSource=&width=3600&height=2526&caption=Still+hard+at+work%2c+John...
by Taylor Larimore
Mon Apr 14, 2014 9:44 pm
 
Forum: Investing - Theory, News & General
Topic: IBD's interview John Bogle [Investor's Business Daily]
Replies: 24
Views: 1863

"Roadmap for Investing Success"

cetncetn wrote:Paul, yes the Altucher article was the one I was referring to

cetncetn:

If you are serious about investing, there is no better on-line book than Paul's free ROADMAP FOR INVESTING SUCCESS

Best wishes.
Taylor
by Taylor Larimore
Mon Apr 14, 2014 9:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: What does "invest in the market mean"
Replies: 11
Views: 858

Bogleheads don't waste money hoping to beat the market.

You read Kiplinger over The Wall Street Journal?

Abuss:

Kiplinger was a gift. The Wall Street Journal is expensive.

Bogleheads don't spend money unnecessarily hoping to beat the market.

Best wishes.
Taylor
by Taylor Larimore
Mon Apr 14, 2014 9:15 pm
 
Forum: Investing - Theory, News & General
Topic: IBD's interview John Bogle [Investor's Business Daily]
Replies: 24
Views: 1863

Re: What does "invest in the market mean"

Am absolutely new to investing ( as in I have no investments yet ) So I came across this statement in an article in business insider "Mutual funds don't outperform the general market so better to invest in the general market without paying the extra layer of fees." So I guess my question ...
by Taylor Larimore
Mon Apr 14, 2014 5:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: What does "invest in the market mean"
Replies: 11
Views: 858

Arthur Kane--Miami stock trader.

"Kane was a big trader. He knew everything about the market. You know how people get hooked on the market? He was one of them."

Stock Market Loser Kills Brokerage Manager, Self in Shooting Rampage

Best wishes.
Taylor
by Taylor Larimore
Sun Apr 13, 2014 9:56 pm
 
Forum: Investing - Theory, News & General
Topic: What % of stock market "drive" is gambling?
Replies: 23
Views: 2380

Re: What % of stock market "drive" is gambling?

Bogleheads: Many years ago when I was a Revenue Officer with the IRS, I was sent to collect a substantial unpaid estimated-tax from a man in Miami. I expected to meet a man of means. Instead, I found the delinquent, poorly dressed taxpayer in the front row of Merrill Lynch's downtown Miami office. T...
by Taylor Larimore
Sun Apr 13, 2014 9:03 pm
 
Forum: Investing - Theory, News & General
Topic: What % of stock market "drive" is gambling?
Replies: 23
Views: 2380

Re: Best car comparison website

What's the best site for comparing a bunch of cars? I'm looking to compare price, gas mileage, safety, warranty and some more specific things like ground clearance and interior dimensions for 5-10 cars. sunnyday: You might want to look at the April "Car Issue" of Consumer Reports availabl...
by Taylor Larimore
Sun Apr 13, 2014 8:35 pm
 
Forum: Personal Consumer Issues
Topic: Best car comparison website
Replies: 4
Views: 537

Thank you, Lady Geek.

I added this thread to the wiki: Taylor Larimore's Investment Gems

Thank you, Lady Geek.

Best wishes.
TAylor
by Taylor Larimore
Sun Apr 13, 2014 7:30 pm
 
Forum: Investing - Theory, News & General
Topic: "If You Can: How Millennials Can Get Rich Slowly"-- A Gem
Replies: 4
Views: 1766

Re: Vanguard S&P 500 vs Total Stock

Any ideas/insights why choose one fund over the other?

Lazyfabs:

Jack Bogle, who started both funds, prefers Total Stock Market Index Fund (the world's largest stock fund).

Both funds should be excellent in taxable accounts.

Best wishes.
Taylor
by Taylor Larimore
Sun Apr 13, 2014 4:19 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard S&P 500 vs Total Stock
Replies: 17
Views: 2865

"If You Can: How Millennials Can Get Rich Slowly"-- A Gem

Bogleheads: William Bernstein, Ph.D., M.D., is a practicing neurologist in Oregon and also a highly respected author and adviser. Doctor Bernstein is a long-time member of the Panel of Experts at Boglehead conferences. "I am writing this (e-book) book for my children, my grandchildren, and for ...
by Taylor Larimore
Sun Apr 13, 2014 4:00 pm
 
Forum: Investing - Theory, News & General
Topic: "If You Can: How Millennials Can Get Rich Slowly"-- A Gem
Replies: 4
Views: 1766

William Bernstein backs The Three Fund Portfolio

Bogleheads:

Financial expert, Bill Bernstein, has a new book recommending The Three Fund Portfolio:

Bernstein "blasts financial industry, backs 3-fund portfolio

Best wishes.
Taylor
by Taylor Larimore
Thu Apr 10, 2014 1:43 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 738
Views: 254498

Risk Tolerance factors.

As I think you know, your risk-tolerance is only one of the factors to consider when structuring your asset-allocation plan. Other factors are your goals, time-frame and personal financial situation. This simple formula* will help match your portfolio with your risk-tolerance : Stocks should not ex...
by Taylor Larimore
Thu Apr 10, 2014 12:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: "Choose an AA appropriate for your personal risk tolerance"
Replies: 10
Views: 805

"Risk Tolerance" formula

This is a common idea around here, and central to the buy - hold - re-balance investment philosophy. The follow-up question is: How do I determine my personal risk tolerance? Is this just an emotional decision? How well can I stomach a loss? I'm not simply asking what my risk tolerance should be. R...
by Taylor Larimore
Thu Apr 10, 2014 11:36 am
 
Forum: Investing - Help with Personal Investments
Topic: "Choose an AA appropriate for your personal risk tolerance"
Replies: 10
Views: 805

Vanguard Pen ?

Bogleheads:

I don't have a "Vanguard Pen" and never saw one advertised. Are they cheap and superior -- the same as Vanguard funds? How does one get one?

Thank you and best wishes.
Taylor
by Taylor Larimore
Thu Apr 10, 2014 10:42 am
 
Forum: Local Chapters and Bogleheads Community
Topic: I saw a "Boglehead" on my flight yesterday!
Replies: 61
Views: 7033

Outstanding post!

The risk is that the emotions associated with loss-aversion will be unmanageable and that the investor will engage in wealth-destroying behavior. Berntson Thank you for your outstanding Topic Post and links. You remind me of this insightful saying: "The investor's worst enemy is in our mirror....
by Taylor Larimore
Wed Apr 09, 2014 8:07 pm
 
Forum: Investing - Theory, News & General
Topic: Stocks, Bonds, and Myopic Loss Aversion
Replies: 4
Views: 459

Happy heirs.

For those with assets in excess of their needs, and who want to leave a legacy, equities belong in taxable and bonds belong in tax deferred to the extent possible. Dale: I am in late retirement and agree with your recommendation. All capital-gain taxes on the stock funds in my taxable account will ...
by Taylor Larimore
Wed Apr 09, 2014 7:39 pm
 
Forum: Investing - Theory, News & General
Topic: Asset location strategies for taxes are OK; but not great
Replies: 27
Views: 2556

Low fees and The Three Fund Portfolio

hello, I was wondering if even though I like the personable advice and constant attention of my Edward Jones advisor, if I'm making a big mistake and losing too much money with them? We only have 425k and not enough for personal advice and planning with Vanguard I was told. Thoughts and comments we...
by Taylor Larimore
Wed Apr 09, 2014 11:41 am
 
Forum: Investing - Help with Personal Investments
Topic: advisor advice?
Replies: 25
Views: 1370

Re: Placement of Balanced Fund and Stock Funds in Roth Accou

I invest in the C, S, and G funds in my Roth TSP and have the Lifestrategy Growth in my VG Roth IRA. Obviously I focus on maxing-out these accounts before considering taxable investing, so I was wondering if their is a significant negative impact on tax-efficiency by placing these funds in a Roth a...
by Taylor Larimore
Wed Apr 09, 2014 11:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Placement of Balanced Fund and Stock Funds in Roth Accounts
Replies: 2
Views: 251

Re: I saw a "Boglehead" on my flight yesterday!

Bogleheads:

HInt: Victoria's secret handshake involves the index finger. :wink:

Best wishes.
Tayloor
by Taylor Larimore
Tue Apr 08, 2014 9:10 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: I saw a "Boglehead" on my flight yesterday!
Replies: 61
Views: 7033

The Three Fund Portfolio

Why shouldn't i invest mostly in value funds? Phokus: Welcome to the Bogleheads Forum! It is dangerous to invest in only a single stock category. The Callan Table linked by BL shows this graphically. Consider the more diversified Three Fund Portfolio recommended by many investing authorities. Best ...
by Taylor Larimore
Tue Apr 08, 2014 9:00 pm
 
Forum: Investing - Theory, News & General
Topic: Why shouldn't i invest mostly in value funds?
Replies: 22
Views: 1386

"White Coat Investor"

EmergDoc wrote:If I can't find one, I make one. I sat next to someone on my last flight reading The Intelligent Investor and studying for his CFA.

Jim:

He would have done better reading your White Coat Investor.

Best wishes.
Taylor
by Taylor Larimore
Tue Apr 08, 2014 8:35 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: I saw a "Boglehead" on my flight yesterday!
Replies: 61
Views: 7033

Complexity vs. Simplicity

jnet: Trying to decide which bond funds to own probably does not make much difference that can be foreseen in advance. This is why you are receiving many different opinions. I think your choice is between the possible better performance of complexity and the value you place on simplicity. Concentrat...
by Taylor Larimore
Tue Apr 08, 2014 12:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: My Vanguard Financial Plan...additional bond funds
Replies: 19
Views: 1872

Is there a winner for every loser ?

Where do all those losses go? It can be tempting to think that the money just evaporates into thin air. But for everyone who foolishly sells losers and buys winners, there is someone wisely buying losers and selling winners. That's the way the markets work. One investor's negative alpha is another ...
by Taylor Larimore
Tue Apr 08, 2014 12:17 pm
 
Forum: Investing - Theory, News & General
Topic: Is Alpha Dead?
Replies: 38
Views: 1969

A second opinion

Tim:

It is reassuring to hear from another client who also had a good experience with Vanguard's Financial Planning Service.

Best wishes.
Taylor
by Taylor Larimore
Tue Apr 08, 2014 11:45 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard Financial Planning Service ?
Replies: 8
Views: 1592

Re: I saw a "Boglehead" on my flight yesterday!

Bogleheads:

Gail Cox attended the first Boglehead Conference with Jack Bogle in our Miami home and has been a loyal and valuable contributor ever since.

Thank you, Gail, for sharing your encounter in the sky.

Best wishes.
Taylor
by Taylor Larimore
Tue Apr 08, 2014 11:35 am
 
Forum: Local Chapters and Bogleheads Community
Topic: I saw a "Boglehead" on my flight yesterday!
Replies: 61
Views: 7033

Secondary Market Annuities

I'm considering purchasing a secondary market annuity that would get us to age 70.

Matonplayer:

This could be a very big mistake. Jason Zweig, respected columnist for the Wall Street Journal, explains:

Another Can't-Miss Deal That Can Miss Spectacularly

Best wishes.
Taylor
by Taylor Larimore
Tue Apr 08, 2014 11:25 am
 
Forum: Investing - Theory, News & General
Topic: What next after you have enough sort of.
Replies: 31
Views: 3223

Swedroe and Bogle on "Rebalancing."

Bogleheads: Larry's article may be the best I have read about all the nuances of rebalancing a portfolio. I agree that his article should be linked in our wiki. Mr. Bogle wrote this in his Blog: We’ve just done a study for the NYTimes on rebalancing, so the subject is fresh in my mind. Fact: a 48%S&...
by Taylor Larimore
Tue Apr 08, 2014 11:06 am
 
Forum: Investing - Theory, News & General
Topic: Rebalancing the whys and hows of it
Replies: 25
Views: 2201

"Five Myths"

larryswedroe wrote:Jonathan Berk wrote about this in his wonderful paper the five myths of active investing

Best wishes
Larry

Bogleheads:

This is a link to Larry's referenced article: Five Myths of Active Portfolio Management

Best wishes
Taylor
by Taylor Larimore
Tue Apr 08, 2014 8:46 am
 
Forum: Investing - Theory, News & General
Topic: Is Alpha Dead?
Replies: 38
Views: 1969

Re: What Book Are You Currently Reading?

Bogleheads:

I am on page 252 of The Racing Rules of Sailing by Dave Perry.

Best wishes.
Taylor
by Taylor Larimore
Mon Apr 07, 2014 10:31 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 2616
Views: 591757

What might have been. . . .

Angelus:

The S&P 500 Index was under 20 when I started investing. It is now 1845 (not counting dividends).

I would be a multi-millionaire if I had just stayed-the-course instead of wasting many years trying to "beat the market."

Best wishes.
Taylor
by Taylor Larimore
Mon Apr 07, 2014 7:48 pm
 
Forum: Investing - Theory, News & General
Topic: Market falling emotions
Replies: 31
Views: 2060

Stay the course.

I just can't wait for a market correction to happen, so I can stop feeling like I'm investing at a bad time. Angelus: I'm sorry to tell you but investors never know if it is a bad or good time to invest because we don't know what the stock market will do next. Try to ignore your "feelings.&quo...
by Taylor Larimore
Mon Apr 07, 2014 7:40 pm
 
Forum: Investing - Theory, News & General
Topic: Market falling emotions
Replies: 31
Views: 2060

Re: Property investment: should my name be on the deed?

Stanley: Welcome to the Bogleheads Forum! Your intuition is absolutely correct. You need legal documentation of your rights and obligations in your upcoming partnership investment. I'm not a lawyer, so I cannot offer specific advice. I am confident other Bogleheads will give you additional suggestio...
by Taylor Larimore
Mon Apr 07, 2014 5:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Property investment: should my name be on the deed?
Replies: 15
Views: 689

Vanguard Financial Planning Service ?

Bogleheads: Harry Sit, editor of The Finance Buff, decided to investigate Vanguard's Financial Planning Service by actually subscribing. These four links relate his experience and his conclusion: 1. Vanguard Financial Plan Review: The Questionnaire 2. Vanguard Financial Plan Review: The Plan. 3. Van...
by Taylor Larimore
Mon Apr 07, 2014 3:14 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Financial Planning Service ?
Replies: 8
Views: 1592

Bear markets.

Bogleheads:

"I have endured at least 10 bear markets when the S&P 500 declined 20% or more." You can read more here:

In Focus. Taylor Larimore

Best wishes.
Taylor
by Taylor Larimore
Mon Apr 07, 2014 2:30 pm
 
Forum: Investing - Theory, News & General
Topic: How are you preparing for the coming bear market
Replies: 104
Views: 7747

"20 Largest Stock Mutual Funds"

Bogleheads:

The May, 2014, edition of Kiplinger Personal Finance lists the world's "20 Largest Mutual Funds." Total Stock Market Index Fund (VTSMX) is the largest and also has the best 5-year annualized return (26.0%).

Thank you, Mr. Bogle.

Best wishes.
Taylor
by Taylor Larimore
Sun Apr 06, 2014 7:49 pm
 
Forum: Investing - Theory, News & General
Topic: "20 Largest Stock Mutual Funds"
Replies: 1
Views: 575

Re: How are you preparing for the coming bear market

I have an asset allocation that takes into account how much I would be comfortable losing in a bear market. Then I go on with the rest of my life. Bogleheads: I do what Geologist is doing. Best wishes. Taylor The same with me. However, I would point out that there is enough allocated to equities th...
by Taylor Larimore
Sun Apr 06, 2014 1:41 pm
 
Forum: Investing - Theory, News & General
Topic: How are you preparing for the coming bear market
Replies: 104
Views: 7747

"Three Fund Portfolio outperformed 82.9% of the time."

Bogleheads: Three Fund Portfolio owners will be pleased: The authors (Rick Ferri and Alex Benke) created a basic 60-40 portfolio with three of the most commonly held asset classes: 40% in a broad U.S. equity fund, 20% in a broad international equity fund, and 40% in a U.S. investment-grade bond fund...
by Taylor Larimore
Sun Apr 06, 2014 11:59 am
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 738
Views: 254498

Jonathan Clements

Without being cynical, is there anything that any of us can actually learn by reading his columns, or frankly anybody's columns, that would have any effect on anything we would do aside from it's providing some confirmation bias or promote some unnecessary fears? I mean that. Calm Man: Much of what...
by Taylor Larimore
Sun Apr 06, 2014 8:56 am
 
Forum: Investing - Theory, News & General
Topic: Jonathan Clements to return to Wall Street Journal Sunday.
Replies: 29
Views: 3181
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