Bogleheads.org

MnD wrote:That's it........
I'm moving everything into 50:50 Emerging Market Bond and Powerball tickets.

Not diversified enough in my opinion. I'd do at least 1/3 bit coins as well

I thought I remembered reading on here that Mr. Bogle himself adjusted his AA back when PE valuations were at a ridiculously high level, no?

http://www.bogleheads.org/wiki/Bogleheads%C2%AE_investment_philosophy

Read #3 and #5

Thanks for the quick response and the advice. DCA is exactly how the money got invested in the 1st place! I forgot about that. I like to use the following funds in my IRA: VOO VO VB VEU VSS VNQ VNQI EDV GLD Commodity or single country ETF 10% in each. Does this asset allocation seem crazy? You migh...

If it were me I would throw it all at total international. But that's only because my target asset allocation calls for 50% international, and given that If I had to pick between the two funds and I believe that international stocks are priced better than u.s., then total international it is. Howeve...

However right now international is on sale. If I buy international today, can I transfer it (staying within my Roth Account) to US Stock Index Fund at a later date for free, or is there a charge to switch funds like that? No fee if you are using vanguard funds within vanguard, but there will be a b...

I'd suggest VTWSX or the ETF version (VT). The ETF version has lower fees. It's a market-cap-weighted combination of the two you mentioned. I am new to investing, can you tell me a little about the difference between these two please and what is an ETF, is there a reason it has a lower expense rati...

I personally would start with international and then add US - only because US has done so well compared to international over the past 3 months. And to this point you mean the international can be purchased at a lower price as of today? Yes, I believe international stocks are right now priced cheap...

It appears that the most aggressive target fund is the 2060 fund, which is about 90% stocks

https://personal.vanguard.com/us/funds/vanguard/TargetRetirementList#targetAnchor

Thanks for the replies. I am considering using this fund as a portion of our emergency fund, so I'm just trying to make sure I understand all the risks.

Cool, I had to re-read the bonds section in the wiki but now I understand better: from the wiki: Duration has another useful summary property, which is that if the yield curve shifts in parallel[2], then duration is the point of indifference to interest rate changes. Makes me wonder what all the fus...

Suppose I invest $10,000 today in Vanguard Short-Term Investment-Grade Fund Investor Shares (VFSTX). Then suppose tomorrow the interest rate rises by 1%. Since the average duration on this fund is 2.3 years, am I correct to assume that that my $10,000 investment would immediately decrease by 2.3%, d...

what's the rush?
why does it matter?

Do you live in a state that offers a state tax deduction for 529 contributions?

I-bonds if you can hold it there for at least 1 year

Edit: up to $10,000 per year per ssn that is

Definition of a really bad day? I think this book sums it up pretty well.

We all have our own style and may change as needed according to the environments outside that day. That may be true for many investors, but Bogleheads instead choose an asset allocation that is appropriate for there risk tolerance, and then simply stay the course. Who cares what the environment is ...

Every 2 weeks, right before pay day. I do this to see which asset class is most underfunded compared to my target AA, then funnel the new contribution accordingly.

Chan_va wrote:I don't think commodities give you any diversification that the total stock market doesn't. (The exception being owning actual gold bullion as a catastrophe hedge. Asteroid impact for example.)

If the asteroid is made of gold, this might have the opposite effect.

reventon,

You may want to do some more research on asset allocation. "Paying off debt" is not an asset class, and should not be part of a AA. Maybe you mean "20% allocated to bonds"?

You should look into I-bonds

Might another reason for multiple accounts be for additional tax deductions? Accoring to this thread , for VA 529 plans you get a up to $4,000 in state income deduction per account . So you could have multiple accounts each with $4,000, giving you additional tax savings. (I haven't actually done my ...

Our toilet paper now uses larger diameter tubes. I think I first noticed back in 2008 or 2009. Don A few years back when I worked in the paper industry, we reduced the width of our toilet paper by half an inch. But we could still proudly display "1,000 sheets per roll!" on the packaging. ...

Here's a link.

http://video.cnbc.com/gallery/?play=1&video=3000140716

Is there a limit to how many conversions can be done in a single year? For example can you contribute $5,000 now for 2012 and convert to Roth, then contribute $5,500 later in the year, say in December, and then convert that as well (both conversions taking place in 2013)?

1298.72

I was thinking that I had until tax day to make additional 2012 contributions for the VA state tax decuction (up to $4,000 per account). But after reading this: Contribution deadline is receipt (not postmark date) by the last business day of the year based on agency calendar. does that mean I had be...

...I'll load up on popcorn and enjoy the show.

or maybe a clif bar instead?

Ahh, I think I got it now. Thanks! I was confused, because I was thinking that the 8606 form was supposed to include both of our contributions combined. That's why I was thinking that part of the conversion (2012 contribution made in March 2013) wouldn't be recognized until 2013 taxes, so the pro ra...

Hi All, This is the first year I have done a Backdoor Roth, so I want to make sure I'm doing this right. - No non-roth IRA's prior to 2012 - On 6/18/12 I contributed $3,000 to traditional IRA (Vanguard Money Market fund) - On 7/30/12 I contributed another $2,000 to traditional IRA (Vanguard Money Ma...

The posts that stand out for me are the posts I don't like. They state as fact things that aren't true; they are responses to posts that the poster clearly did not bother to read; etc. There are so many ways a post can be bad. At a minimum, I would like a FF button (false facts) and a TR (try readi...

I disagree. So far in this thread alone, ive seen 4 posts with one-liners such as "+1" or "agree". To me this pollutes the thread and requires extra mouse-scrolling on my part. A simple button would resolve this, and to me that's where the value is. I meant that it adds no conte...

There are a lot of problems with a like button, but the primary problem is it adds no value. Who cares if you or I agree with a post? If it is that important to show your affirmation, surely you have something constructive to add, no? I disagree. So far in this thread alone, ive seen 4 posts with o...

pennstater2005 wrote:Please no like button. I'm not 12.

I'm not 12 either.

Similar to Facebook, why not add a "like" button feature to posters comments? I often see posts that I want to express my "likeness" for, but don't want to quote the whole post just to say "great post!". Just a thought.

Jerilynn wrote:

1. On any RBD,

What does RBD stand for?

Really bad day

I am actually not trying to time the market. I will be making 4 purchases over the next year in order to reduce risk. As a rule of thumb Is there percentage under a 52 week high that is a good time to buy as stock? Any other thoughts? I don't get it. This is like saying "I don't do drugs... bu...

You should not buy it at all. Buy a low cost index fund instead. Don't try to time the market either.

Good luck.

0.19% (weighted average)

I think it really depends on each person's particular situation, and what options they have at their disposal. Have you maxed out all your other tax-advantaged space? Have you bought the max amount of I-bond and E-bonds for the year? Do you have a mortgage to pay off, and what's the interest rate? I...

http://www.bogleheads.org/forum/viewtopic.php?f=1&t=102318

Here's a poll I started a few months ago

I just opened a 529 a couple weeks ago for our newborn. I also decided to take the top down approach, and include the 529 in our overall AA. Our target international equity is 50%, and we have limited options for international in our 401k's, so right now we're stuffing the 529 with international sto...

You would need to take a weighted average of your retirement portfolio and your 529. So with 90% of the total at 60% stocks (retirement) and 10% at 100% stocks (529), that would be (0.9 x 0.6) + (0.1 x 1) = 0.64, so overall you'd want 64/36 stocks/bonds.

Since you know the future, you should borrow as much money as possible and put it all into REITS.

Funny, I just listened to that one on my way home from work today. Enjoyed it thoroughly, as I do most of planet money podcasts

Considering that Vanguard's Target Retirement funds for young investors only have 10% bonds, why not go Suze's route and wipe bonds out completely for the first 5-7 years. It wouldn't make a whole lot of difference, imo. It would if one were to underestimate his/her risk tolerance, and end up aband...

Are those returns before or after expenses are accounted for?

The poll says to select ALL that applies. I find it interesting that 6 people are willing to pay $20, but only 1 would pay $15.

By the way, Stocks will fall on Monday or Tuesday. Analysts will instantly explain (after the fact) that investors feel Friday's optimism about a Euro solution was overstated, and that they are being cautious heading into the mid-week 4th of July market closing. You read it here first. Keith I will...

0%. My human capital should provide sufficient protection against inflation.