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Re: Buying first Index Fund New Investor

Mattwess12: Welcome to the Bogleheads Forum! I am interested in index fund investing and am planning on buying one of the Target Retirement Date funds from Vanguard since the initial buy is only $1000. Is it possible for me to buy this fund and then in a few years when I have enough money to buy a 3...
by Taylor Larimore
Tue Sep 30, 2014 9:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buying first Index Fund New Investor
Replies: 4
Views: 223

Lump Sum or Dollar Cost Average?

kkhanmd wrote:I am wondering if I should invest all my cash (around 150K) to start with at a single time or spread it out over few months?

kkhanmd:

This is a common question which our wiki attempts to answer:

Lump Sum vs. Dollar-Cost-Averaging

Best wishes.
Taylor
by Taylor Larimore
Tue Sep 30, 2014 8:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: The Three Fund Portfolio [Portfolio help]
Replies: 18
Views: 2154

Past Performance. . .

Bogleheads: This is what experts say about using Past Performance for picking funds: Jack Bogle: " The biggest mistake investors make is looking backward at performance and thinking it’ll recur in the future." Frank Armstrong, financial author: "Rating services such as Morningstar's '...
by Taylor Larimore
Tue Sep 30, 2014 3:38 pm
 
Forum: Investing - Theory, News & General
Topic: Active Manager Marketing Quote of the Day
Replies: 25
Views: 3099

"The Truth About Risk"

What is risk?

Skeptic:

Vanguard has a link which will help answer your question:

THE TRUTH ABOUT RISK

Best wishes.
Taylor
by Taylor Larimore
Tue Sep 30, 2014 12:28 pm
 
Forum: Investing - Theory, News & General
Topic: what is risk?
Replies: 101
Views: 3424

Investing priority

What I would do is on an annual basis roll my 401k over to an IRA that does not have ridiculous retirement fee's (The obvious being Vanguard Targeted Retirement Funds). So while your 401k amount will (sadly) have to suck up those bad fee's, your overall retirement amounts will not because you are c...
by Taylor Larimore
Tue Sep 30, 2014 12:03 pm
 
Forum: Investing - Theory, News & General
Topic: "How Retirement Fees Cost You"
Replies: 28
Views: 2629

Good debt and stupid debt.

Yeah, with the caveat that I'm not anti-debt. I'm anti-stupid debt. I happen to think a (reasonable) mortgage is not a stupid debt. Sometimes student loans are not a stupid debt. Occasionally, a car loan is not stupid (although this one often is stupid). Not everyone agrees. :P Retiredjg: I agree. ...
by Taylor Larimore
Mon Sep 29, 2014 8:21 pm
 
Forum: Investing - Theory, News & General
Topic: Read too many books... help untangle
Replies: 35
Views: 2391

Manager risk

As you probably know, Bill Gross has left PIMCO and will be heading to Janus to run their Global Uncontrained Bond Fund (JUDCX). How will this effect your fixed income investments? Will you invest in his new fund? Tanelorn: This is a good example of why we invest in index funds (no manager risk). B...
by Taylor Larimore
Mon Sep 29, 2014 6:34 pm
 
Forum: Investing - Theory, News & General
Topic: Will you invest in Bill Gross's new bond fund?
Replies: 49
Views: 2214

The Three Fund Portfolio or a LIfe Cycle Fund?

Out of curiosity, what is an advantage of the Three Fund Portfolio over a LifeStrategy fund? Is it because costs may be slightly lower? I think an advantage of a LifeStrategy fund is that you do not need to rebalance (until maybe you get older or want more bonds) and it is easier to just forget abo...
by Taylor Larimore
Mon Sep 29, 2014 5:34 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 898
Views: 355054

Re: Considering slice and dice -- need help choosing funds

I've been reading a lot about the value tilting and slice and dice portfolio's. I haven't made a decision on whether or not I want to do this yet, but one of the things that is persuading me is the fact that so many financial advisers are suggesting this. Mark: One of the reasons many financial adv...
by Taylor Larimore
Sun Sep 28, 2014 1:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Considering slice and dice -- need help choosing funds
Replies: 18
Views: 534

The enemy of a good plan.

So help me untangle all these concepts from folks we all know and love around these parts that are seemingly contradictory. Bubbagump: When experts disagree it is often because it does not make a foreseeable difference. Jack Bogle wrote: "The enemy of a good plan is the dream of a perfect plan...
by Taylor Larimore
Sun Sep 28, 2014 12:20 pm
 
Forum: Investing - Theory, News & General
Topic: Read too many books... help untangle
Replies: 35
Views: 2391

"How Retirement Fees Cost You"

Bogleheads:

Bogleheads will appreciate this PBS Frontline article about costs:

HOW RETIREMENT FEES COST YOU

Thank you, Jack!

Best wishes
Taylor
by Taylor Larimore
Sun Sep 28, 2014 11:08 am
 
Forum: Investing - Theory, News & General
Topic: "How Retirement Fees Cost You"
Replies: 28
Views: 2629

Re: Active Manager Marketing Quote of the Day

Packer: In a post last February, you wrote about your 2013 performance: This year I had performance of 146% (my best year yet). This was with portfolio of about 20 value stocks with top 10 concentration of about 85%. You outperformed Warren Buffett and the best fund managers. Please tell us your sec...
by Taylor Larimore
Sun Sep 28, 2014 10:40 am
 
Forum: Investing - Theory, News & General
Topic: Active Manager Marketing Quote of the Day
Replies: 25
Views: 3099

"Market timing is for the birds"

Bogleheads: USA Today columnist, John Waggoner, offers advice about "market-timing." These are quotes from his most recent column: "When you watch the market, you get worries. If stocks are up too much, you worry that they will fall. If stocks are down too much, you also worry that th...
by Taylor Larimore
Fri Sep 26, 2014 2:28 pm
 
Forum: Investing - Theory, News & General
Topic: "Market timing is for the birds"
Replies: 2
Views: 740

Thank you Alex Frakt and Larry Auton!!

Bogleheads: I asked Alex Frakt, one of the (2) owners of this forum, to give me daily activity figures. This was his reply: Each day we have approximately: 60 new topics 1,000 new posts 40,000 visitors (unique IP addresses) - roughly the number of different people who view at least one page 70,000 v...
by Taylor Larimore
Fri Sep 26, 2014 1:45 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Thank you Alex Frakt and Larry Auton!!
Replies: 11
Views: 1081

Trevor's sound advice.

kkhanmd

Trevor's reply makes sense to me.

Consider taxes and fees (if any) when making the exchanges.

Best wishes.
Taylor
by Taylor Larimore
Fri Sep 26, 2014 11:45 am
 
Forum: Investing - Help with Personal Investments
Topic: The Three Fund Portfolio [Portfolio help]
Replies: 18
Views: 2154

Captain hates boats?

Captain Electron wrote:
"I'm a ship captain by profession"

I hate boats

Care to explain?

Best wishes.
Taylor
by Taylor Larimore
Thu Sep 25, 2014 12:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: inherited 500k, still a college student, how to invest???
Replies: 48
Views: 4113

"How to Win the Losers Game -- Part 5"

Bogleheads:

Sensible Investing offers this informative interview featuring our mentor, Jack Bogle, and several Nobel Laureates.

http://www.sensibleinvesting.tv/how-to- ... ame-part-5

Best wishes.
Taylor
by Taylor Larimore
Wed Sep 24, 2014 11:50 am
 
Forum: Investing - Theory, News & General
Topic: "How to Win the Losers Game -- Part 5"
Replies: 3
Views: 914

Vanguard Concierge Services

kkhanmd: Thank you for the additional information. Unfortunately, it is not in a useful format as requested in Asking Portfolio Questions. Also, you have a hodge-podge of stocks and funds making analysis very difficult. Simplifying to a manageable portfolio without excessive fees and taxes may be di...
by Taylor Larimore
Tue Sep 23, 2014 9:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: The Three Fund Portfolio [Portfolio help]
Replies: 18
Views: 2154

Indexing wins again.

I'd note that Wiener has four portfolios including a portfolio of index ETFs that he positions as an alternative to his mostly managed Growth portfolio. I subscribe to Dan's newsletter primarily to receive his annual Independent Guide to the Vanguard Funds. This 288 page Guide is the best source of...
by Taylor Larimore
Tue Sep 23, 2014 4:36 pm
 
Forum: Investing - Theory, News & General
Topic: Do you consider Dan Wiener to be a Boglehead?
Replies: 32
Views: 2073

Managing a Windfall.

First, sorry to hear about your dad . . Mine passed the week before last, leaving me an estate about 6x the size of yours. It sounds like you have your head on right. Stay the course and finish school, and you're going to discover that what your Dad has left you will continue to enrich your life fo...
by Taylor Larimore
Tue Sep 23, 2014 12:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: inherited 500k, still a college student, how to invest???
Replies: 48
Views: 4113

Re: Individual Stocks

I recently sold all of my stocks in my Sharebuilder account totaling less than $1k. I am moving that money over to my VTSMX (within my Roth IRA). I do hold a DRIP account with Exxon Mobil Corp, but I have no idea what to do with this. In the end, I am out of the stock picking game. Indexing from he...
by Taylor Larimore
Tue Sep 23, 2014 11:46 am
 
Forum: Investing - Theory, News & General
Topic: Individual Stocks
Replies: 46
Views: 3223

Re: The Three Fund Portfolio [Portfolio help]

Hey Taylor Thanks for welcoming me, I am really new to Bogleheads. So I went to the site and it says 70 % VTSMX and 30 % VGTSX. No bonds. However I was thinking about 80% stocks and 20% bonds split. I am 38. So I was thinking of putting 1) VTSAX 60 % (Total US stocks) 2) VTIAX 20 % (total internati...
by Taylor Larimore
Tue Sep 23, 2014 10:48 am
 
Forum: Investing - Help with Personal Investments
Topic: The Three Fund Portfolio [Portfolio help]
Replies: 18
Views: 2154

Re: The Three Fund Portfolio

LadyGeek:

Thank you for the alert. I answered here:

viewtopic.php?f=1&t=147428&p=2200647#p2200647

Taylor
by Taylor Larimore
Mon Sep 22, 2014 8:46 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 898
Views: 355054

Re: The Three Fund Portfolio [Portfolio help]

kkhanmd: Welcome to the Bogleheads Forum! Your first and most important decision is to decide on your long-term stock/bond ratio. More than anything else, our stock/bond ratio determines our expected risk and expected return. Use this link for help with Vanguard's asset allocation tool: https://pers...
by Taylor Larimore
Mon Sep 22, 2014 8:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: The Three Fund Portfolio [Portfolio help]
Replies: 18
Views: 2154

Simple vs. complicated portfolios?

It probably makes sense as you get further into retirement to go simple as you are less able to handle much complexity at some point, spouse and heirs might also benefit. Dandy: The problem with "as you get further into retirement to go simple" is that if we have numerous funds in a taxab...
by Taylor Larimore
Mon Sep 22, 2014 5:04 pm
 
Forum: Investing - Theory, News & General
Topic: Leeraar's Three-Holding Portfolio
Replies: 27
Views: 2128

How many funds ?

It doesn't matter if you have one, two, or 20 funds. The key to investing has NOTHING to do with how many or few funds you have. In my opinion, one of the keys to successful investing is simplicity . Fewer funds mean a simpler portfolio with numerious advantages: * Fewer funds mean larger funds--an...
by Taylor Larimore
Mon Sep 22, 2014 3:06 pm
 
Forum: Investing - Theory, News & General
Topic: Leeraar's Three-Holding Portfolio
Replies: 27
Views: 2128

"The Three Fund Portfolio"

gardenofeden: Welcome to the Bogleheads Forum! This is a link to The Three Fund Portfolio mentioned above. I might mention that when I started investing about your age, the S&P 500 Index was about 20 . Today it is about 2000 (not including dividends). I wish I had simply bought a tax-efficient b...
by Taylor Larimore
Mon Sep 22, 2014 1:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: inherited 500k, still a college student, how to invest???
Replies: 48
Views: 4113

Re: Shuffling between TSP, Edward Jones, and Vanguard

kgt031:

Welcome to the Bogleheads Forum!
TSP The has made me a believer of index funds, while EJ makes me feel like I’m getting hustled.


You are probably correct.

Best wishes.
Taylor
by Taylor Larimore
Sun Sep 21, 2014 8:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Shuffling between TSP, Edward Jones, and Vanguard
Replies: 14
Views: 1369

Re: Risks to putting most investments at Vanguard

Risks to putting most investments at Vanguard?

dh37:

Your question is answered in our wiki:

Vanguard Safety?

Best wishes
Taylor
by Taylor Larimore
Sun Sep 21, 2014 8:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Risks to putting most investments at Vanguard
Replies: 18
Views: 1084

Roth IRA can be an "Emergency Fund."

I plan to keep selling company stock immediately and take the tax hit until I have 6-9 months of EF money.

jh 1391:

Many Bogleheads use their Roth for an Emergency Fund. This would allow you to avoid the short-term "tax-hit."

Best wishes.
Taylor
by Taylor Larimore
Sun Sep 21, 2014 8:14 am
 
Forum: Investing - Help with Personal Investments
Topic: How to get a 3-fund portfolio?
Replies: 14
Views: 1785

Re: Regular vs Roth 401k?

Leeraar:

A 401k is similar to a traditional IRA. Your friend can use this Morningstar calculator to help determine which tax-advantaged account will be best for her:

Morningstar IRA Calculator

Best wishes.
Taylor
by Taylor Larimore
Sat Sep 20, 2014 4:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Regular vs Roth 401k?
Replies: 5
Views: 410

Making a good portfolio better.

jh-1391: In my opinion, you have a satisfactory portfolio; no hodge-podge of expensive funds like many investors. Suggestion: Exchange the money-market fund in your IRA for diversified Total Bond Market Index Fund which is almost certain to give you a larger long-term return. TBMs worst annual loss ...
by Taylor Larimore
Sat Sep 20, 2014 3:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to get a 3-fund portfolio?
Replies: 14
Views: 1785

One fund or three?

I was coming back here just now to ask why people recommended the target date fund through vanguard for someone with a small account balance. Why start there and then switch over to the 3 fund portfolio after the fact, when you have more money? (But i do love the idea of owning just ONE fund, that ...
by Taylor Larimore
Sat Sep 20, 2014 3:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to add to my portfolio monthly without crazy fees
Replies: 35
Views: 2399

The Three Fund Portfolio

33ZY: Welcome to the Bogleheads forum! Yes you do need a plan. Central to that plan would be diversification. Bogleheads in general tend toward owning the whole market rather than a single market segment. That whole market includes all US stocks , all international stocks and (at least) all US bonds...
by Taylor Larimore
Fri Sep 19, 2014 9:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: No plan till today, not even frame work
Replies: 7
Views: 825

SPIAs are primarily insurance.

SPIAs aren't a bad product but you need to exceed you expected life expectancy by quite a bit to break even. That is almost the same as saying: Fire insurance is not a bad product but you need your house to burn down to break even. A SPIA is insurance against running out of money before running out...
by Taylor Larimore
Fri Sep 19, 2014 6:42 pm
 
Forum: Investing - Theory, News & General
Topic: Immediate payable annuity is a bad investment?
Replies: 45
Views: 2638

Re: Why wait to purchase a SPIA?

Most annuity salespeople will urge us to buy SPIA annuities NOW. Best wishes. Taylor Really? :confused Pretty sure that most annuity salespeople are urging us to buy higher commission products (Equity Indexed, "Hybrid', etc). ndchamp: You are undoubtedly correct. Thank you and best wishes. Tay...
by Taylor Larimore
Fri Sep 19, 2014 1:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Moshe Milevsky's Life Annuities Monograph
Replies: 21
Views: 2371

"The academic big guns behind your humble index tracker fund

Bogleheads:

The link below is to an excellent article (don't miss the video) featuring the history of indexing:

The academic big guns behind your humble index tracker fund

Best wishes.
Taylor
by Taylor Larimore
Fri Sep 19, 2014 12:54 pm
 
Forum: Investing - Theory, News & General
Topic: "The academic big guns behind your humble index tracker fund
Replies: 1
Views: 699

Boglehead definition

Bogleheads definition:

"Investors who foolishly use academic research for their investing. They also naively follow the wisdom of Jack Bogle who has more practical investing experience than anyone."

Best wishes.
Taylor
by Taylor Larimore
Fri Sep 19, 2014 12:24 pm
 
Forum: Investing - Theory, News & General
Topic: Jason's Zweig's new dictionary ---enjoy
Replies: 27
Views: 2489

Boglehead's care.

nelson1015 wrote:Taylor,

If you were 77 when the article was written, does that mean you're 90 now?

nelson 1015:

Yes; I'm 90 now. You can read my messages from hundred's of caring Bogleheads here:

Taylor's 90th Birthday

Best wishes.
Taylor
by Taylor Larimore
Fri Sep 19, 2014 12:02 pm
 
Forum: Investing - Theory, News & General
Topic: "Here Come the Bogleheads" by Jason Zweig
Replies: 10
Views: 2064

My 2 annuities

Bogleheads: When I was about 82, my wife and I purchased two single premium immediate annuities (SPIAs) with these advantages: * The guaranteed annual lifetime income is about 11% of our investments. Today, similar joint annuities at age 82 will pay a guaranteed lifetime income of about 8%. * I no l...
by Taylor Larimore
Fri Sep 19, 2014 9:20 am
 
Forum: Investing - Theory, News & General
Topic: Immediate payable annuity is a bad investment?
Replies: 45
Views: 2638

"Here Come the Bogleheads" by Jason Zweig

Bogleheads: This morning I Goggled my favorite article about a Boglehead convention with the title: "Here Come the Bogleheads." The article was written by Jason Zweig for Money Magazine. Jason is now a highly respected columnist for the Wall Street JournaI. This wonderful article, written ...
by Taylor Larimore
Thu Sep 18, 2014 11:00 pm
 
Forum: Investing - Theory, News & General
Topic: "Here Come the Bogleheads" by Jason Zweig
Replies: 10
Views: 2064

Bond indexes

Bond index funds (like TBM and Total International), however, give you the organizations that are the most indebted and the most need of cash (maybe in trouble, like someone opening multiple credit card lines)? Is this even a problem? If it is a problem, is there a way around it without going to ac...
by Taylor Larimore
Thu Sep 18, 2014 10:07 am
 
Forum: Investing - Theory, News & General
Topic: Bond Index Conundrum
Replies: 9
Views: 709

Vanguard target funds.

That being said, i was going to call vanguard today and ask them about moving over, even before i saw this post. I was coming back here just now to ask why people recommended the target date fund through vanguard for someone with a small account balance. Why start there and then switch over to the ...
by Taylor Larimore
Thu Sep 18, 2014 9:05 am
 
Forum: Investing - Help with Personal Investments
Topic: How to add to my portfolio monthly without crazy fees
Replies: 35
Views: 2399

How does Vanguard make money? They don't.

One can also ask, "How does Vanguard make money from passive investors?" :)

They don't. Vanguard has no stockholders taking profits from our returns. Vanguard operates at cost. Any "profit" is returned to investors in their mutual fund returns.

Best wishes.
Taylor
by Taylor Larimore
Wed Sep 17, 2014 6:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to add to my portfolio monthly without crazy fees
Replies: 35
Views: 2399

Total Stock Market Index Fund Report

Bogleheads:

Morningstar recently reported that only 8 of 1,144 funds with Analyst Ratings have beaten their category averages for at least ten straight years. Total Stock Market Index Fund is one of them!

THE LONGEST WINNING STREAKS AMONG OUR RATED FUNDS

Best wishes.
Taylor
by Taylor Larimore
Tue Sep 16, 2014 4:12 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 898
Views: 355054

T-Bills and The Three Fund Portfolio

I may have missed this in the 18 pages of this great thread, but where do t-bills fit into the 3-fund portfolio? Is it covered in TBM treasuries? I remember reading over and over in Bogle on Mutual Funds that they are an essential asset class. gvsucavieo3: In Bogle on Mutual Funds , Mr. Bogle offer...
by Taylor Larimore
Tue Sep 16, 2014 2:47 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 898
Views: 355054

Vanguard Target Retirement Funds

i just want a good reliable index / mutual fund where i can put my money each month and save for retirement. (This is a Roth IRA.) -- If i'm trying to put 450$ a month (give or take) into the market, and not worry about it, what would be my best strategy with minimal fees? Notwerby: If the Roth IRA...
by Taylor Larimore
Tue Sep 16, 2014 9:19 am
 
Forum: Investing - Help with Personal Investments
Topic: How to add to my portfolio monthly without crazy fees
Replies: 35
Views: 2399

Vanguard Total Stock Market Index Fund (VTSMX)

Bogleheads: On October 26, 2000, Jack Bogle had the following to say to the Investment Analysts Society of Chicago. We formed the first S&P 500 Index fund in 1975, and then in 1987 pioneered the completion ("Extended Market") index fund, tracking the small- and mid-cap stocks unreprese...
by Taylor Larimore
Mon Sep 15, 2014 6:47 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Total Stock Market Index Fund (VTSMX)
Replies: 10
Views: 2155

Checking adviser's qualifications.

I've just signed with an adviser who is flat-fee only, fiduciary, and who blogs regularly about his investment philosophy (which pretty much exactly matches the Bogleheads' philosophy). He has no disciplinary actions logged against him anywhere, and I spoke with four current clients of his who prai...
by Taylor Larimore
Mon Sep 15, 2014 5:52 pm
 
Forum: Investing - Theory, News & General
Topic: How much value can an advisor add for the average investor?
Replies: 71
Views: 4725

Selecting an adviser

Bogleheads: It is instructive to read what Mr. Bogle wrote about advisers in Common Sense on Mutual Funds. This is a portion: Consider Carefully the Added Costs of Advice: Tens of millions of investors need personal guidance in allocating their assets and selecting funds. Other tens of millions do ...
by Taylor Larimore
Mon Sep 15, 2014 11:50 am
 
Forum: Investing - Theory, News & General
Topic: How much value can an advisor add for the average investor?
Replies: 71
Views: 4725
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