Search found 17539 matches

Return to advanced search

Re: 403B - 3 fund portfolio possible? or what should I pick?

Drewman:

If HurdyGurdy's suggestion will not work because you have no other account, consider: 80% DFA Global Equity and 20% Pioneer Bond.

These two funds are a reasonable match to The Three Fund Portfolio and they are also among the lowest cost in your 403B.

Best wishes.
Taylor
by Taylor Larimore
Sun Mar 29, 2015 9:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: 403B - 3 fund portfolio possible? or what should I pick?
Replies: 3
Views: 190

John Norstad's Finance Page

Hmm Any answer with a “best” involved is suspect. Having said that, one of the best "investing" moves I made was finding the diehards forum. I have learned so much here. I cant thank everyone enough. So many really smart people participate here and the discussion format really adds to the...
by Taylor Larimore
Sun Mar 29, 2015 7:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Smartest Financial Move You Ever Made
Replies: 128
Views: 10653

Need for life insurance usually decreases

Woody: Your need for insurance decreases as you get older. Not only does the time insurance is needed get shorter, but your net worth should also increase so there is less need for insurance. Consider "decreasing-term life" or perhaps multiple policies of different lengths with the idea th...
by Taylor Larimore
Sun Mar 29, 2015 6:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much life insurance should my wife and i have???
Replies: 16
Views: 1217

Re: Overlap between VFSVX and VTIAX

livesoft, prk:

You will receive more replies if you add fund names to ticker symbols (which few of us have memorized).

Thank you and best wishes.
Taylor
by Taylor Larimore
Sun Mar 29, 2015 11:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Overlap between VFSVX and VTIAX
Replies: 4
Views: 443

Re: How many of you invest in individual stocks?

Know that we all subscribe to the Boglehead style of fund investing but wonder how many of you also buy/sell individual stocks? If so do you allocate a serious amount of your portfolio or would you say you dabble in them? And why - for a bit more action with chance of a higher payoff, hunch sustain...
by Taylor Larimore
Sun Mar 29, 2015 10:02 am
 
Forum: Investing - Theory, News & General
Topic: How many of you invest in individual stocks?
Replies: 41
Views: 1936

Asset Location?

The Three Fund Portfolio allows the investor to locate tax-inefficient bonds in tax-advantaged accounts, and tax-efficient stocks in the taxable account when tax-advantaged accounts are full. The net result is a more tax-efficient portfolio providing a higher after-tax return. Best wishes Taylor Is...
by Taylor Larimore
Sat Mar 28, 2015 10:53 pm
 
Forum: Investing - Theory, News & General
Topic: Why is Two Fund Less Popular Than Three Fund Portfolio?
Replies: 149
Views: 11967

Re: Vanguard Account Protection

I read recently that cybercriminals have stolen as much as $1 billion from more than 100 banks in 30 countries since the end of 2013 and new data breaches seem to pop up daily. I’ve changed all my passwords and placed a freeze on my credit. Can someone point to previous posts, or explain what prote...
by Taylor Larimore
Sat Mar 28, 2015 1:10 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Account Protection
Replies: 6
Views: 706

One-armed economists

Everything he says seems reasonable, but what is striking to me is that he is unable to reach any conclusion on the motivating question. What I take away is that if he can't figure it out, I shouldn't try either. Aptenodytes: I am reminded of the time President Harry Truman asked to be sent a one-a...
by Taylor Larimore
Sat Mar 28, 2015 1:05 pm
 
Forum: Investing - Theory, News & General
Topic: Michael Spence: Are Equities Overvalued?
Replies: 13
Views: 1427

"Are Index-Fund Investors Smarter?"

Bogleheads: Today's Wall Street Journal has an article by Jonathan Clements titled "Are Index Fund Investors Smarter? The answer seems to be "yes." These are excerpts: "Index funds don't just outperform most actively managed mutual funds. They also make more money for investors.&...
by Taylor Larimore
Sat Mar 28, 2015 12:52 pm
 
Forum: Investing - Theory, News & General
Topic: "Are Index-Fund Investors Smarter?"
Replies: 10
Views: 1267

The Three Fund Portfolio

LifeAt35: Welcome to the Bogleheads Forum! If you were to design a portfolio through Vanguard with this in mind, what would you select and where (taxable/non-taxable account) would you put it?! I would select The Three Fund Portfolio. The link contains instructions about "where (taxable/non-tax...
by Taylor Larimore
Sat Mar 28, 2015 10:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Collective wisdom for a portfolio design?
Replies: 7
Views: 429

Re: How much life insurance should my wife and i have???

$__She is 33 so I would say 40 years*160k = 6.4M__Annual income shortfall multiplied by number of years income is needed. Woody: Are you sure your wife will need $160,000 for 40 years? Consider: * Your wife currently earns $100,000/year. It is not included in #2. * Your wife will received a social ...
by Taylor Larimore
Fri Mar 27, 2015 8:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much life insurance should my wife and i have???
Replies: 16
Views: 1217

Economic media forecasts ?

EyeDee: Vanguard's " Eye on the Economy" is one e-mail I'll not bother reading. I have learned that economic forecasts are wrong as often as right. Economic articles are mostly wasted time for me. Long ago I made a decision to simply own total market funds, ignore media "noise," ...
by Taylor Larimore
Fri Mar 27, 2015 8:11 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard's Week In Review
Replies: 19
Views: 2048

Re: How much life insurance should my wife and i have???

How much life insurance should my wife and i have?? Woody: This Table is in The Bogleheads' Guide to Investing designed to answer your question: 1. $____Annual income (in dollars) that will be needed by the survivor(s) 2. $____Annual income available (pension, Social Security, annuities, etc.) 3. $...
by Taylor Larimore
Fri Mar 27, 2015 7:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much life insurance should my wife and i have???
Replies: 16
Views: 1217

Collection of Investment Gems

My wife and I aren't new to investing/retirement savings but we aren't experts either. I'm 40, she is 33 and we have a 1 year old. We owe $100k on a $450 house and have about $70k in other debt. We have about ~70k in emergency funds and about $500k in retirement savings. We have a combined salary o...
by Taylor Larimore
Fri Mar 27, 2015 7:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: If you had 1 [investing] book to recommend...
Replies: 36
Views: 2859

"Filling Your 401k with Company Stock"

Bogleheads:

If you own stock in your company's 401k plan, you will want to read this New York Times article:

Filling Your 401k with Company Stock

Best wishes.
Taylor
by Taylor Larimore
Fri Mar 27, 2015 10:53 am
 
Forum: Investing - Theory, News & General
Topic: "Filling Your 401k with Company Stock"
Replies: 20
Views: 1585

Buying stocks in a bear market?

Taylor Larimore wrote:
Buying stocks is unthinkable.

gbru316 wrote:
Why?

One reason: When you have lost much of your investments, and you don't know how much more you will lose, it his very hard to convince yourself to risk more.

Best wishes.
Taylor
by Taylor Larimore
Thu Mar 26, 2015 8:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can you really know your AA until you've hit a bear market?
Replies: 70
Views: 4765

Re: Can you really know your AA until you've hit a bear mark

Felix: I think it is impossible to know our risk tolerance until we have experienced a bad (and lengthy) bear market. For this reason, I think nearly every new investor should have 20%-50% in bonds. This is my earlier post on the subject: Hi Bogleheads: Our family owned "Larimore's Diner" ...
by Taylor Larimore
Thu Mar 26, 2015 6:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can you really know your AA until you've hit a bear market?
Replies: 70
Views: 4765

Re: Designing a superior 401k plan

I'm in a position to completely overhaul our 401K plan and I'd like the bogleheads' help. What plan provisions would you include? CFOKevin: A good starting point would be funds in the government Thrift Savings Plan (TSP) which is similar to a 401K and generally considered the best such plan. Adopti...
by Taylor Larimore
Thu Mar 26, 2015 6:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Designing a superior 401k plan
Replies: 6
Views: 471

Individual stocks vs professionally managed mutual funds?

So, any thoughts, statistical arguments maybe, on how to handle this when it comes up again would be appreciated. Maybe it's even advice for me, I don't know - need a non-biased view! Mojave: Show your husband these quotes by investing authorities: Brett Arends, Wall Street Journal columnist: "...
by Taylor Larimore
Thu Mar 26, 2015 4:27 pm
 
Forum: Investing - Theory, News & General
Topic: My evil plan backfired
Replies: 53
Views: 6652

The biggest mistake . . .

I was wondering if anyone knows where I can find Russell 1000 and Russell 2000 index total returns (w dividends included) since their inceptions. I've heard that their returns have actually been very similar (within several basis points of each other) despite all the academic research that supports...
by Taylor Larimore
Thu Mar 26, 2015 4:12 pm
 
Forum: Investing - Theory, News & General
Topic: Russell 1000 and Russell 2000 total returns since inception
Replies: 11
Views: 764

Outstanding post

Kevin:

Outstanding post!

Thank you and best wishes.
Taylor
by Taylor Larimore
Thu Mar 26, 2015 3:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Suggest a good passive allocation 4 hi-tax-bracket investor
Replies: 43
Views: 3640

Need Expense Ratios and other costs.

If there's anything in the whole world of mutual funds that you can take to the bank, it's that expense ratios help you make a better decision. In every single time period and data point tested, low-cost funds beat high-cost funds. City of Angels: The above quote is by Russel Kinnel, director of ma...
by Taylor Larimore
Thu Mar 26, 2015 12:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: New job, trying to setup my 401(k)
Replies: 9
Views: 561

Need Expense Ratios and other costs.

If there's anything in the whole world of mutual funds that you can take to the bank, it's that expense ratios help you make a better decision. In every single time period and data point tested, low-cost funds beat high-cost funds. City of Angels: The above quote is by Russel Kinnel, director of ma...
by Taylor Larimore
Thu Mar 26, 2015 12:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: New job, trying to setup my 401(k)
Replies: 9
Views: 561

"TIPS. Love them or leave them?"

Bogleheads:

A frequent topic on the Boglehead Forum is whether or not to add a TIPS fund to our bond allocation. Morningstar is currently featuring this article to help us decide:

TIPS: Love Them or Leave Them?

Best wishes.
Taylor
by Taylor Larimore
Thu Mar 26, 2015 11:20 am
 
Forum: Investing - Theory, News & General
Topic: "TIPS. Love them or leave them?"
Replies: 16
Views: 1945

Re: Graduating Medical Student- Rent vs. Buy in Residency

Mathkid: In my opinion you should probably rent for these reasons: You intend to have a larger family within a few years requiring more space than needed now. You intend to move in 5 years. Renting gives flexibility if you don't like the neighbors, etc. If you buy the cost of selling and buying agai...
by Taylor Larimore
Thu Mar 26, 2015 10:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Graduating Medical Student- Rent vs. Buy in Residency
Replies: 37
Views: 2048

"What Experts Say"

lack_ey wrote:
Taylor Larimore keeps pages of quotes about various topics.

This is a link to the quotes: What Experts Say

Best wishes
Taylor
by Taylor Larimore
Thu Mar 26, 2015 7:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Getting over the psychology of the simplicity
Replies: 8
Views: 1078

SPIAs = The largest guaranteed life time income

Bogleheads:

The special feature of a SPIA is that it provides the largest guaranteed life-income of any investment. I own two.

Best wishes
Taylor
by Taylor Larimore
Wed Mar 25, 2015 8:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: SPIA: Northwestern Mutual vs New York Life
Replies: 17
Views: 1359

Re: Intl Funds with Currency Hedge - Good or dumb?

RenoJay:

I edited my post.

jhfenton:

Thank you for the correction.

Best wishes.
Tau;pr
by Taylor Larimore
Wed Mar 25, 2015 4:12 pm
 
Forum: Investing - Theory, News & General
Topic: Intl Funds with Currency Hedge - Good or dumb?
Replies: 8
Views: 395

Re: Intl Funds with Currency Hedge - Good or dumb?

RenoJay: Vanguard Research favors currency hedging for international bond funds and unhedged international equity funds: Understanding the ‘hedge return’: The impact of currency hedging in foreign bonds Currency management: Considerations for the equity hedging decision Best wishes. Taylor
by Taylor Larimore
Wed Mar 25, 2015 3:40 pm
 
Forum: Investing - Theory, News & General
Topic: Intl Funds with Currency Hedge - Good or dumb?
Replies: 8
Views: 395

Market-timing bonds?

In the past few days, I've been reading about liquidity concerns in bond funds. From the Wall Street Journal http://www.wsj.com/articles/investors-raise-alarm-over-liquidity-shortage-1426701094 "On Wednesday, the Bank for International Settlements became the latest major authority to sound the...
by Taylor Larimore
Wed Mar 25, 2015 2:02 pm
 
Forum: Investing - Theory, News & General
Topic: "Looming Crisis" in Corporate Bond Fund Liquidity
Replies: 16
Views: 2590

SPIA for Mom

RVDreamin: You mother appears to be an excellent candidate, and at the right age, to consider a Single Premium Immediate Annuity (SPIA). You did not state the size of the annuity but I would not go over the State Guaranty amount with a single company. Use this link to determine the maximum guarantee...
by Taylor Larimore
Wed Mar 25, 2015 1:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: SPIA: Northwestern Mutual vs New York Life
Replies: 17
Views: 1359

"What Happens When Vanguard Owns Everything?"

Bogleheads:

John Rekanthaler, Morningstar's Vice-President of Research, wrote this interesting article about Vanguard's success. Enjoy!

What Happens When Vanguard Owns Everything?

Best wishes
Taylor
by Taylor Larimore
Tue Mar 24, 2015 9:44 pm
 
Forum: Investing - Theory, News & General
Topic: What Happens When Vanguard Owns Everything?
Replies: 19
Views: 4695

Fund of funds

Surely I can do better than a fund of funds." I doubt if I could do better than a low-cost, diversified, easily maintained fund of funds designed by Vanguard experts. if I could start over with everything in a tax-advantaged account I would own the appropriate Vanguard target fund. Best wishes...
by Taylor Larimore
Tue Mar 24, 2015 9:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Suggest a good passive allocation 4 hi-tax-bracket investor
Replies: 43
Views: 3640

Re: VanG Intermediate Term Bond Market Question

If these funds are so similar, then I guess I'm not understanding why the returns are so different. An average of 0.97% difference over 10 years is big deal to me. Bobsmith: * Bonds are primarily for safety. In 2008 when the S&P 500 plunged -37%, Intermediate-term Bond Index fell -5%. Meanwhile...
by Taylor Larimore
Tue Mar 24, 2015 8:17 am
 
Forum: Investing - Help with Personal Investments
Topic: VanG Intermediate Term Bond Market Question
Replies: 20
Views: 1826

"Annuities: Good, Bad Or Ugly?"

FamilyGuy87:

My co-author of The Bogleheads' Guide to Investing, Mel Lindauer, is an annuity expert and a writer for Forbes. You should find this article helpful:

Annuities: Good, Bad Or Ugly?

Best wishes.
Taylor
by Taylor Larimore
Mon Mar 23, 2015 6:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax Differed Variable Annuity
Replies: 16
Views: 1135

Re: Best Bank for Checking Account

Looking for the best bank to place our checking account. Any advice welcome. We have large monthly swings from the begiining of the month to the end. Bogleheads are great at finding low cost mutual funds. I am hoping you can help with a low cost/fee bank. Many thanks. prk: My Chase branch bank prov...
by Taylor Larimore
Mon Mar 23, 2015 5:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best Bank for Checking Account
Replies: 29
Views: 2562

TLH

Sorry, I know I'm gonna feel foolish once I know, but what does TLH stand for?

bobsmith:

"TLH" stands for Tax-Loss Harvesting.

There are no "foolish" questions on this forum.

Best wishes.
Taylor
by Taylor Larimore
Mon Mar 23, 2015 5:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Suggest a good passive allocation 4 hi-tax-bracket investor
Replies: 43
Views: 3640

Keep investing simple.

Bogleheads:

I have never had a difficult problem with Vanguard -- one of the advantages of a simple portfolio.

Best wishes.
Taylor
by Taylor Larimore
Mon Mar 23, 2015 5:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Problems [Account transactions]
Replies: 22
Views: 3110

Re: Nonretirement investments...

rbaldini: Welcome to the Bogleheads forum! It is difficult to know where to place savings for a house down-payment. Morningstar's, Christine Benz, wrote this article which may be helpful: Improving Your Finances. Are You Holding Your Assets in the Right Types of Accounts? You may find this post usef...
by Taylor Larimore
Mon Mar 23, 2015 4:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Nonretirement investments...
Replies: 14
Views: 2206

Re: Differences in costs of funds

Yes, this is just part of the portfolio. I should have been more clear in that my question is more about is 10 basis points between different funds a big deal rather than the specific funds I am looking at in this case. Duke: In my opinion, unless you have a very large portfolio, a saving of 10 bas...
by Taylor Larimore
Mon Mar 23, 2015 12:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Differences in costs of funds
Replies: 10
Views: 614

Generating retirement Income ?

cavalier69: Welcome to the Bogleheads Forum! I am looking for a low-risk fund option to generate retirement income. What are best Vanguard funds for this objective? To best answer your question, we need to know if the funds would go into a taxable or tax-advantaged account? Knowing your income-tax b...
by Taylor Larimore
Mon Mar 23, 2015 11:56 am
 
Forum: Investing - Help with Personal Investments
Topic: best income producing Vanguard fund?
Replies: 6
Views: 1349

Which bond fund ?

bobsmith:

In my opinion (I worked in the bond world), any low-cost, good quality, short- or intermediate-term bond fund will provide safety and income in a portfolio.

Best wishes.
Taylor
by Taylor Larimore
Mon Mar 23, 2015 11:42 am
 
Forum: Investing - Help with Personal Investments
Topic: VanG Intermediate Term Bond Market Question
Replies: 20
Views: 1826

Less is more.

VBR is a great fund. VSS is good, but I would rather have a value tilted option. How many others out there would like an Ex-US Small Cap Value fund from Vanguard? If many people requested it, do you think that it could happen? I have asked Vanguard about it myself, but have gotten a standard "...
by Taylor Larimore
Mon Mar 23, 2015 11:28 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard Ex-US Small Cap Value Petition
Replies: 24
Views: 3028

One mutual fund company or more?

My wife and I are in the process of setting up our investments following the advice here and in the wiki, but one thing I can't find or search for is whether it's a good idea to "diversify" where we invest. We'll have my Roth, her Roth and a taxable account, which I was planning on doing ...
by Taylor Larimore
Mon Mar 23, 2015 10:51 am
 
Forum: Investing - Help with Personal Investments
Topic: "Diversified" Accounts?
Replies: 6
Views: 658

"The market portfolio is the most sensible decision"--Jack B

Bogleheads: In June 2002, Mr. Bogle was the keynote speaker at the Morningstar Investment Forum in Chicago. In that speech (which I attended) he discusses: "slice & dice," small-cap stocks, value stocks, and the validity of early statistics. He concluded (underline mine): Like Dr. Fama...
by Taylor Larimore
Sun Mar 22, 2015 8:41 pm
 
Forum: Investing - Theory, News & General
Topic: "Small-Cap Indexing: Popularity Can Be a Pain"
Replies: 14
Views: 2124

Eat well or sleep well.

StillaNoob: Welcome to the Bogleheads Forum! After reading your book The Bogleheads' Guide to Investing I realized I needed to diversify further and specifically move my Bond investments to my tax deferred accounts. However my workplace retirement accounts offer limited bond funds. The only two are ...
by Taylor Larimore
Sun Mar 22, 2015 6:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond Funds
Replies: 7
Views: 975

"Mind the Gap"

Bogleheads: Below are excerpts from a 2014 article by Russel Kinnel based on Morningstar research about the importance of stay-the-course. The article is a year old, but Boglehead Principles for successful investing do not change: "Yikes. I knew it would be bad, but the latest Morningstar Inves...
by Taylor Larimore
Sun Mar 22, 2015 5:51 pm
 
Forum: Investing - Theory, News & General
Topic: "Mind the Gap"
Replies: 9
Views: 2294

"Small-Cap Indexing: Popularity Can Be a Pain"

Bogleheads:

Michael Rawson has a featured article about small-cap indexing on the Morningstar website. It may be of interest to those who tilt with U.S. small-cap stocks:

Small-Cap Indexing: Popularity Can Be a Pain

Best wishes.
Taylor
by Taylor Larimore
Sun Mar 22, 2015 2:57 pm
 
Forum: Investing - Theory, News & General
Topic: "Small-Cap Indexing: Popularity Can Be a Pain"
Replies: 14
Views: 2124

Re: Free Book! Fixing 403(b) Plans

Steve:

Your long-time efforts to lower costs for your 403(b) plan participants is epic.

Thank you for allowing interested Bogleheads to read your book without cost.

Best wishes.
Taylor
by Taylor Larimore
Sun Mar 22, 2015 9:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Free Book! Fixing 403(b) Plans
Replies: 10
Views: 617

The risk and return of various stock/bond allocations

Helenbaz:

This Vanguard chart gives the history of various stock/bond combinations. Knowledgeable investors can use this chart to help select their most suitable combination.

https://personal.vanguard.com/us/insigh ... llocations

Best wishes.
Taylor
by Taylor Larimore
Sat Mar 21, 2015 8:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Opened an account Vanguard yesterday, now having cold feet
Replies: 60
Views: 3647
Next

Return to advanced search