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by YDNAL
Thu May 14, 2015 11:34 am
Forum: Investing - Theory, News & General
Topic: Where are the dividends with Funds??
Replies: 21
Views: 2614

Re: Where are the dividends with Funds??

If you want those dividends, the obvious choice is to use a mutual fund that focusses on dividend-paying stocks and Vanguard has several. I know little about dividend stock investing because I don't believe in it myself and don't do it, but two obvious possibilities are: Vanguard High Dividend Yiel...
by YDNAL
Tue May 05, 2015 8:36 am
Forum: Investing - Theory, News & General
Topic: Where are the dividends with Funds??
Replies: 21
Views: 2614

Re: Where are the dividends with Funds??

If you want those dividends, the obvious choice is to use a mutual fund that focusses on dividend-paying stocks and Vanguard has several. I know little about dividend stock investing because I don't believe in it myself and don't do it, but two obvious possibilities are: Vanguard High Dividend Yiel...
by YDNAL
Fri Apr 03, 2015 2:32 pm
Forum: Investing - Theory, News & General
Topic: The Detriments of Rebalancing
Replies: 67
Views: 5969

Re: The Detriments of Rebalancing

My [original] post was an attempt to gauge the expected returns between a rebalanced portfolio and a non-rebalanced portfolio with the following facts. The portfolio is currently 55/45 AA, will have no contributions or withdrawals for the next 15 years, and then will be spent down from the over wei...
by YDNAL
Thu Mar 26, 2015 12:03 pm
Forum: Investing - Theory, News & General
Topic: Wise move to move some $ to cash before bear market?
Replies: 116
Views: 12465

Re: Wise move to move some $ to cash before bear market?

I just read an article that described how to prepare for a bear market and listed the history of the previous bear markets over time. Since we are at an all time high , a bear market is coming , nobody knows when. The author suggested taking 20%- 30 % and putting it in cash to hold and buy in the b...
by YDNAL
Wed Mar 25, 2015 2:50 pm
Forum: Investing - Theory, News & General
Topic: Total International Stock Index includes small caps or not?
Replies: 9
Views: 1396

Re: Total International Stock Index includes small caps or n

Can you please help me as I am confused. Does the Vanguard Total International Stock Index Fund include small caps or not? According to Vanguards website in Fund Facts the Fund is a "Foreign Large Blend" fund. However, the index it is tracking (FTSE all World ex US) includes small caps. I...
by YDNAL
Wed Mar 25, 2015 9:14 am
Forum: Investing - Theory, News & General
Topic: College funding
Replies: 10
Views: 1105

Re: College funding

We have a one year old granddaughter and the parents are asking me how to save for college. Just to get things straight, they are not asking for financial help (tho that might be a gift down the road), but are wanting to know the best avenue for investing. With my two sons years ago, I set up a UGT...
by YDNAL
Wed Mar 25, 2015 9:10 am
Forum: Investing - Theory, News & General
Topic: Why Bonds With 20 Year Horizon?
Replies: 72
Views: 5569

Re: Why Bonds With 20 Year Horizon?

For savings with a 20+ year horizon (i.e. I'm 35 and plan to retire at 65) why own any bonds? From the 1920s until today I haven't found a 20 year period where bonds beat stocks. Seems INCREDIBLY likely that stocks will beat bonds over any 20 year period in the next 50 years. This is assuming I can...
by YDNAL
Mon Feb 23, 2015 10:17 am
Forum: Investing - Theory, News & General
Topic: ? present value of soc sec and pension
Replies: 37
Views: 3269

Re: ? present value of soc sec and pension

Feel free to go with your analysis. But I'll go with John Bogle's recommendation to treat social security (and, of course, well-secured pensions) as an annuity or bond, i.e., as fixed income with a present value. So, I am not really interested in advice on that issue. Using the "John Bogle&quo...
by YDNAL
Sat Feb 21, 2015 10:35 am
Forum: Investing - Theory, News & General
Topic: ? present value of soc sec and pension
Replies: 37
Views: 3269

Re: ? present value of soc sec and pension

I know there have been threads about whether social security and pensions should be valued as part of an asset allocation in the way that bonds are. I am not asking about that. Rather, I would like to know the following: How should one estimate the present cash value of the following three assets: ...
by YDNAL
Thu Feb 19, 2015 1:27 pm
Forum: Investing - Theory, News & General
Topic: The 8x retirement savings rule
Replies: 83
Views: 8575

Re: The 8x retirement savings rule

Recently I got an email from Fidelity about the "8x retirement savings rule", which is basically: When you’re: Aim to have: 67 years old 8x your salary saved 55 5x 45 3x 35 1x Is this realistic? Sorry, OP, but I would not use this (or similar) email to plan MY retirement. First, what sala...
by YDNAL
Tue Feb 03, 2015 7:05 am
Forum: Investing - Theory, News & General
Topic: Bill Gross warns about bonds. Are you worried?
Replies: 38
Views: 5330

Re: Bill Gross warns about bonds. Are you worried?

Yahoo recently posted this interview with Bill Gross in which he said that bonds are basically safe for 6 to 12 months, but the 10-30 year outlook is bad: http://finance.yahoo.com/news/bill-gross--cautions-for-bond-investors-175812765.html Gross is always saying something (or other). http://www.cbs...
by YDNAL
Tue Feb 03, 2015 6:32 am
Forum: Investing - Theory, News & General
Topic: The lowest stock allocation you plan to stay with
Replies: 79
Views: 4839

Re: The lowest stock allocation you plan to stay with

Stupid question, when people say they have saved X times expenses, what do they mean? If I want $80,000 per year and I have a $40,000 pension do I just take the remaining $40,000 and divide by portfolio? Do I ignore future Social Security? I realized I have answered this in polls but maybe not accu...
by YDNAL
Sun Feb 01, 2015 1:43 pm
Forum: Investing - Theory, News & General
Topic: The lowest stock allocation you plan to stay with
Replies: 79
Views: 4839

Re: The lowest stock allocation you plan to stay with

Stupid question, when people say they have saved X times expenses, what do they mean? If I want $80,000 per year and I have a $40,000 pension do I just take the remaining $40,000 and divide by portfolio? Do I ignore future Social Security? I realized I have answered this in polls but maybe not accu...
by YDNAL
Sun Feb 01, 2015 7:12 am
Forum: Investing - Theory, News & General
Topic: Wiki comments requested: The importance of asset allocation
Replies: 208
Views: 11139

Re: Wiki comments requested: The importance of asset allocat

The SEC? Here's the link: Beginners' Guide to Asset Allocation, Diversification, and Rebalancing That's surprisingly well written. Yes, and that's what I tried to say when i quoted Jane Bryant Quinn. Asset Allocation is part of a long term framework that goes with diversification and rebalancing to...
by YDNAL
Sun Feb 01, 2015 7:00 am
Forum: Investing - Theory, News & General
Topic: Vesting and Normal Retirement Age
Replies: 12
Views: 1127

Re: Vesting and Normal Retirement Age

I've never seen normal retirement age defined as age 59.5 What age(s) have you seen to be normal retirement age? Notice 2012-29 Section 401(a) sets forth the qualification requirements for a trust forming part of a stock bonus, pension, or profit-sharing plan of an employer. Several of these qualif...
by YDNAL
Sat Jan 31, 2015 10:07 am
Forum: Investing - Theory, News & General
Topic: The lowest stock allocation you plan to stay with
Replies: 79
Views: 4839

Re: The lowest stock allocation you plan to stay with

Hey folks, Don't get nervous, this is not whether I should go into a 100% stock portfolio. I was looking at the Vanguard Target Retirement Income fund which settles at 30% stocks and I remember in another thread Taylor was saying how 60/40 Balanced Index Fund is too aggressive for an older person. ...
by YDNAL
Sat Jan 31, 2015 1:51 am
Forum: Investing - Theory, News & General
Topic: Wiki comments requested: The importance of asset allocation
Replies: 208
Views: 11139

Re: Wiki comments requested: The importance of asset allocat

On several wiki pages, such as Asset allocation and Risk and return: an introduction , we make a very bold statement: http://www.bogleheads.org/w/images/c/c8/Ambox_notice.png Asset allocation is one of the most important decisions that investors can make. In other words, the importance of an invest...
by YDNAL
Mon Jan 26, 2015 7:04 am
Forum: Investing - Theory, News & General
Topic: What's wrong with volatility if buy&hold
Replies: 52
Views: 3828

Re: What's wrong with volatility if buy&hold

I read that fiance professor Dr. Andrew Lo said that the markets are getting so volatile these days, that the buy and hold strategies don't work anymore. I don't exactly understand why this is the case. I thought that the whole purpose of the buy and hold strategy was to avoid caring about volatili...
by YDNAL
Mon Jan 26, 2015 6:02 am
Forum: Investing - Theory, News & General
Topic: What is the international portion of your portfolio and why?
Replies: 140
Views: 12981

Re: What is the international portion of your portfolio and

Thanks for the input. I am trying to re-balance to a lower international allocation. Once I get there, I will maintain my AA. Is there a flaw in that approach? When one rebalances they are selling the winners (U.S.) and buy more of the losers (international) as an example from last years world equi...
by YDNAL
Sun Jan 25, 2015 5:07 pm
Forum: Investing - Theory, News & General
Topic: Why not invest in bond fund in taxable account?
Replies: 23
Views: 2882

Re: Why not invest in bond fund in taxable account?

Thanks the response, Doc.

Been watching Heat/Bulls and now OKC/Cleveland basketball.
by YDNAL
Sun Jan 25, 2015 12:09 pm
Forum: Investing - Theory, News & General
Topic: Why not invest in bond fund in taxable account?
Replies: 23
Views: 2882

Re: Why not invest in bond fund in taxable account?

So if I have $260k total (including savings, 401k, IRA, etc.) and will need $70k in the next 5 years, I could do something like this: Retirement/long-term money: $190k = 90/10 stock/bond allocation Short-term money: $70k = 20/60/20 stock/bond/cash allocation Total will be $185k stocks, $61k bonds, ...
by YDNAL
Sun Jan 25, 2015 10:58 am
Forum: Investing - Theory, News & General
Topic: Why not invest in bond fund in taxable account?
Replies: 23
Views: 2882

Re: Why not invest in bond fund in taxable account?

Saved money doesn't care what it is saved for. 1. Regardless how you compartmentalize the savings, "if stocks do tank," NET WORTH is affected identically. 3. Unless/Until we recognize this FACT, we then continue struggling with mental accounting issues. What would you do in my situation? ...
by YDNAL
Sun Jan 25, 2015 10:16 am
Forum: Investing - Theory, News & General
Topic: Poll: Principles of Boglehead Philosophy
Replies: 68
Views: 4059

Re: Poll: Principles of Boglehead Philosophy

I disagree with you that any discussion of the Bogleheads philosophy must address all ten principles listed in the Wiki. In some contexts, it's very useful; in others, it's too much information. We shall remain in disagreement, because a philosophy is a comprehensive (and non-exclusive) body of pri...
by YDNAL
Sun Jan 25, 2015 9:17 am
Forum: Investing - Theory, News & General
Topic: Poll: Principles of Boglehead Philosophy
Replies: 68
Views: 4059

Re: Poll: Principles of Boglehead Philosopy

1. Keeping expenses low is the cornerstone of the Bogleheads philosophy. - Implementation of low-cost index funds is Jack Bogle's main contribution to personal finance. - "Low cost" is not the same as the "lowest cost." 2. For most Boglehead newcomers, the best first step is to ...
by YDNAL
Sun Jan 25, 2015 7:41 am
Forum: Investing - Theory, News & General
Topic: Poll: Principles of Boglehead Philosophy
Replies: 68
Views: 4059

Re: Poll: Principles of Boglehead Philosopy

Nonsense. The Boglehead philosophy isn't about "having fun" with it, or about "goals, fantasy." The philosophy is an activity of thought meant to guide action all of the time. "The most effective number to focus on" is ALL . 10 Principles of the Bogleheads investment p...
by YDNAL
Sun Jan 25, 2015 6:37 am
Forum: Investing - Theory, News & General
Topic: SCIF vs SCIN vs SMIN
Replies: 2
Views: 266

Re: SCIF vs SCIN vs SMIN

comeinvest wrote:Can someone please help me analyzing SCIF, SCIN and SMIN?

Look what a difference when letters are transposed.
VDE - Vanguard Energy
EDV - Vanguard Extended Duration Treasury

You need to identify what you want analyzed. Many (most?) Forum participants don't go looking to find out.
by YDNAL
Sun Jan 25, 2015 6:06 am
Forum: Investing - Theory, News & General
Topic: Why not invest in bond fund in taxable account?
Replies: 23
Views: 2882

Re: Why not invest in bond fund in taxable account?

What I really want to do is this, for simplicity and mental accounting purposes: Keep separate "retirement" accounts and all other money - emergency fund, cash needed for near future large or one-time purchases, down payment money for my next house (3 years, maybe), allowance for home rep...
by YDNAL
Sat Jan 24, 2015 8:12 am
Forum: Investing - Theory, News & General
Topic: Poll: Principles of Boglehead Philosophy
Replies: 68
Views: 4059

Re: Poll: Principles of Boglehead Philosopy

Ten, eleven, or whatever is the right number of the Bogleheads principles, provide a comprehensive view of one's personal financial management. Perhaps, things like adequate insurance and estate planning belong here, too. However, the most effective number to focus on is THREE. If you have a list o...
by YDNAL
Fri Jan 23, 2015 6:36 pm
Forum: Investing - Theory, News & General
Topic: Poll: Principles of Boglehead Philosophy
Replies: 68
Views: 4059

Re: Poll: Principles of Boglehead Philosopy

. There are no 3, 4 (whatever) important investing principles. The Boglehead investing philosophy is comprehensive -- all 10 principles -- encompassing important investing decisions that enhance our ability (and probability) to meet financial goals. I didn't really read all responses in detail, but ...
by YDNAL
Fri Jan 23, 2015 5:05 am
Forum: Investing - Theory, News & General
Topic: Poll: Principles of Boglehead Philosophy
Replies: 68
Views: 4059

Re: Poll: Principles of Boglehead Philosopy

Just for fun...pick what you think are the top 3 Boglehead principles. You can re-vote if you change your mind. I thought there were only 10 Principles of the Bogleheads investment philosophy. Your poll shows many other choices and some very important choices are actually excluded. Gosh, I dislike ...
by YDNAL
Fri Jan 16, 2015 6:14 pm
Forum: Investing - Theory, News & General
Topic: Is a Sub-4% SWR a Boglehead Quirk?
Replies: 177
Views: 11337

Re: Is a Sub-4% SWR a Boglehead Quirk?

I don't see what's incorrect about that unless you're making a pedantic argument that instructing the user to exclude needs covered by SS & pensions before putting their input into the calculator is "accounting for it". By contrast, what I was referring to is a calculator like Firecal...
by YDNAL
Fri Jan 16, 2015 3:37 pm
Forum: Investing - Theory, News & General
Topic: What is the international portion of your portfolio and why?
Replies: 140
Views: 12981

Re: What is the international portion of your portfolio and

100% in equities with 20% in VGSTX... Why: I've done numerous research and run the numbers for different time horizons and ranges and 15-20% gives me the highest returns for the level of risk. I'm not sure if 20 years from now I'll have this weighting of assets (who cares, it's 20 years from now), ...
by YDNAL
Fri Jan 16, 2015 3:02 pm
Forum: Investing - Theory, News & General
Topic: Is a Sub-4% SWR a Boglehead Quirk?
Replies: 177
Views: 11337

Re: Is a Sub-4% SWR a Boglehead Quirk?

In the Vanguard calculator , for 30 years and 4%,..... If aware if that (<- I'm aware of that?) and as I said, closer to 4% than 2%; I'm not literally planning on a full 4% WR. Also, most calculators like that fail to account for the value of social security, which can significantly reduce one's po...
by YDNAL
Fri Jan 16, 2015 1:07 pm
Forum: Investing - Theory, News & General
Topic: Buying Call Option to Fund 2015 & 2016 IRA
Replies: 18
Views: 560

Re: Buying Call Option to Fund 2015 & 2016 IRA

What am I missing? The market can be irrational longer than you can come-up with other mind games! I suggest funding the IRA when you have the money, and while at it, make sure your TOTAL savings are maximized to the best of your ability. I max at all tax advantaged accouts and adding to a taxable ...
by YDNAL
Fri Jan 16, 2015 1:03 pm
Forum: Investing - Theory, News & General
Topic: Tilting to Corp. Bonds
Replies: 36
Views: 3091

Re: Tilting to Corp. Bonds

I heard Bogle suggest tilting to corporate bonds. He said that the purpose of indexing is to "beat the guy next door" and most investors have more corporate bonds. He said the reason the index has more government bonds is because other governments buy them. Any thoughts? That's not necess...
by YDNAL
Fri Jan 16, 2015 12:50 pm
Forum: Investing - Theory, News & General
Topic: Buying Call Option to Fund 2015 & 2016 IRA
Replies: 18
Views: 560

Re: Buying Call Option to Fund 2015 & 2016 IRA

NOVACPA wrote:What am I missing?

The market can be irrational longer than you can come-up with other mind games!

I suggest funding the IRA when you have the money, and while at it, make sure your TOTAL savings are maximized to the best of your ability.
by YDNAL
Fri Jan 16, 2015 11:27 am
Forum: Investing - Theory, News & General
Topic: Is International Equity a "Factor"?
Replies: 8
Views: 663

Re: Is International Equity a "Factor"?

I lean mostly toward pure Boglehead principles and don't slice-and-dice. However, I wonder why allocating a part of the equity portion of one's portfolio to various "factors" such as small-cap value, etc. is considered "tilting", while investing in international equity seems not...
by YDNAL
Fri Jan 16, 2015 10:51 am
Forum: Investing - Theory, News & General
Topic: Is a Sub-4% SWR a Boglehead Quirk?
Replies: 177
Views: 11337

Re: Is a Sub-4% SWR a Boglehead Quirk?

I'm sure my family would appreciate me being around more than getting a bigger check when I'm gone, at least the ones that I'd care to leave anything to. Have you asked all of them? :D In the Vanguard calculator , for 30 years and 4%,..... If aware if that (<- I'm aware of that?) and as I said, clo...
by YDNAL
Fri Jan 16, 2015 10:21 am
Forum: Investing - Theory, News & General
Topic: [What's the difference? All-world ex-US vs. Total Internat.]
Replies: 5
Views: 769

Re: Could someone explain the difference...

Note that FTSE All-World ex-US has almost 2500 stocks. FTSE All-World ex-US Small Cap has almost 3300 stocks. Total International has almost 5800 stocks. This is quite different than the relation between S&P 500, Extended Market and Total Stock Market on the US side. Total Stock Market has a la...
by YDNAL
Fri Jan 16, 2015 10:02 am
Forum: Investing - Theory, News & General
Topic: Short term bonds in rising interest rates?
Replies: 26
Views: 2887

Re: Short term bonds in rising interest rates?

What if you do not need the money until you start your RMD's in 8 years and your bond funds will be the main source of the RMD's? Foolish to have it in short term in this case? Yes, foolish. 1. If you buy Vanguard IT Bond Index (VBILX) today, you can expect to get compensated an amount approximatin...
by YDNAL
Fri Jan 16, 2015 9:45 am
Forum: Investing - Theory, News & General
Topic: Why invest in International funds? It's a mystery
Replies: 121
Views: 11121

Re: Why invest in International funds? It's a mystery

.... companies in the S&P 500 get 46.2% of their earnings from overseas, and that's enough international exposure for anyone. If the S&P 500 is giving that much exposure, isn't that enough? And didn't Bogle just say in an interview he thinks US investing is just fine, international is not n...
by YDNAL
Thu Jan 15, 2015 1:24 pm
Forum: Investing - Theory, News & General
Topic: Am I making a mistake being too conservative?
Replies: 58
Views: 7890

Re: Am I making a mistake being too conservative?

I need to figure what amount to count of the business in my overall portfolio. I wonder if I should consider what the business would sell (what someone would pay to buy it) today? I don't plan to sell it for at least another 20+ years but life changes may occur that I am not expecting. The business...
by YDNAL
Thu Jan 15, 2015 1:16 pm
Forum: Investing - Theory, News & General
Topic: Short term bonds in rising interest rates?
Replies: 26
Views: 2887

Re: Short term bonds in rising interest rates?

I was reading an article that quoted William Bernstein on the topic of bonds. His position is to invest in short term high grade bond funds exclusively. One point in the article talked about the risk of rising interest rates as it relates to bonds and that the shorter duration of the bond fund, the...
by YDNAL
Thu Jan 15, 2015 11:46 am
Forum: Investing - Theory, News & General
Topic: Am I making a mistake being too conservative?
Replies: 58
Views: 7890

Re: Am I making a mistake being too conservative?

my current portfolio will still grow Well, just to be pedantic, you actually can't know that. It probably will grow, but it might not. There's also the risk of it not growing enough to keep pace with inflation, which is financially equivalent to not growing. Statements as yours need to be addressed...
by YDNAL
Wed Jan 14, 2015 1:46 pm
Forum: Investing - Theory, News & General
Topic: [What's the difference? All-world ex-US vs. Total Internat.]
Replies: 5
Views: 769

Re: Could someone explain the difference...

...between FTSE all-world (ex-US) index (VFWAX) and Total International Index (VTIAX)? I get they track different indices. When I graph the performances together they seem identical. If there were no real difference there would not be two (you'd think), so what am I not seeing? VTIAX tracks the FTS...
by YDNAL
Tue Jan 13, 2015 12:36 pm
Forum: Investing - Theory, News & General
Topic: Do you use the 9 style-box for AA?
Replies: 24
Views: 1952

Re: Do you use the 9 style-box for AA?

I have occasionally read posts on this forum that site the Morningstar style box. Sometimes people will share their numbers in each of the 9 boxes. Until now I have only used this as a tool for individual funds but it sounds like some use this for their whole portfolio. If so, is it used in both AA...
by YDNAL
Sun Jan 11, 2015 2:52 pm
Forum: Investing - Theory, News & General
Topic: Is a Sub-4% SWR a Boglehead Quirk?
Replies: 177
Views: 11337

Re: Is a Sub-4% SWR a Boglehead Quirk?

It is shortsighted to see savings rate (33x, 50x, whatever) as a single objective. Savers save for multiple objectives regardless if "you don't." But even you would agree that a SWR can be too low, wouldn't you? What would you say to someone who proposes a 1.5% SWR? My point is simply tha...
by YDNAL
Sun Jan 11, 2015 1:04 pm
Forum: Investing - Theory, News & General
Topic: Is a Sub-4% SWR a Boglehead Quirk?
Replies: 177
Views: 11337

Re: Is a Sub-4% SWR a Boglehead Quirk?

In the most extreme cases, we've even seen a few Bogleheads advocating sub-3% withdrawal rates. Makes very little sense for anyone retiring in their 60s. In sum, this might be a quirk of the conservative nature of Bogleheads who have vigilently denied gratification by saving all those years during ...
by YDNAL
Sun Jan 11, 2015 8:32 am
Forum: Investing - Theory, News & General
Topic: Where do you tilt your Total Int'l Fund?
Replies: 40
Views: 3474

Re: Where do you tilt your Total Int'l Fund?

I have read many posts on here about people that move off the 3 fund portfolio and tilt to US equities. There are some who also tilt their fixed income portfolio. But id like to learn from those who tilt their international index fund - where do you tilt and why? :beer A couple of things: 1. Accord...
by YDNAL
Sun Jan 11, 2015 7:06 am
Forum: Investing - Theory, News & General
Topic: Is a Sub-4% SWR a Boglehead Quirk?
Replies: 177
Views: 11337

Re: Is a Sub-4% SWR a Boglehead Quirk?

In the most extreme cases, we've even seen a few Bogleheads advocating sub-3% withdrawal rates. Makes very little sense for anyone retiring in their 60s. In sum, this might be a quirk of the conservative nature of Bogleheads who have vigilently denied gratification by saving all those years during ...

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