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Re: Different Strategy For 401k and IRA?

I have a 401k and an IRA and was wondering if it was a good idea to invest them differently? My 401k is invested mostly in an S&P 500 index fund. I have quite a bit more money in my 401k. Should I take a different strategy with my IRA to diversify my investments from the 401K? Any ideas or sugg...
by YDNAL
Wed Aug 20, 2014 4:37 pm
 
Forum: Investing - Theory, News & General
Topic: Different Strategy For 401k and IRA?
Replies: 3
Views: 212

Re: Why only stocks in a taxable account at retirement?

...Total Bond Market Index in a tax advantage account - 50% of portfolio Total Stock Market Index in a taxable account - 35% of portfolio Total International Index in a taxable account - 15% or portfolio I've read that you are supposed to withdraw at retirement (let's say 4%) in order from 1) Taxab...
by YDNAL
Wed Aug 20, 2014 1:40 pm
 
Forum: Investing - Theory, News & General
Topic: Why only stocks in a taxable account at retirement?
Replies: 26
Views: 1741

Re: Bad(?) advice given about Target Date Retirement funds

....If you pick ANY of the Vanguard TD funds that is NOT at its starting AA of 90/10 you are putting yourself on a glide path that will immediately start to change your carefully selected AA. TR funds assume retirement at 65, so TR 2035 would apply to a 44 year old investor -- one who is 21 years f...
by YDNAL
Mon Aug 18, 2014 4:09 pm
 
Forum: Investing - Theory, News & General
Topic: Bad(?) advice given about Target Date Retirement funds
Replies: 74
Views: 4720

Re: Market Timing?

"The time of maximum pessimism is the best time to buy, and the time of maximum optimism is the best time to sell." - John Templeton "Be greedy when others are fearful, and fearful when others are greedy." - Warren Buffett Would you consider these approaches to be market timing?...
by YDNAL
Sat Aug 16, 2014 10:21 am
 
Forum: Investing - Theory, News & General
Topic: Market Timing?
Replies: 20
Views: 1224

Re: New lower limit for Admiral share conversion

I thought some of you would get a kick out of the following: We got an e-mail from Vanguard for a transaction that we did not initiate. Since we don't ever make any trades in our Vanguard accounts, this was rather troubling. So I go online to see who hacked into our Vanguard account. It turns out t...
by YDNAL
Fri Aug 15, 2014 4:14 pm
 
Forum: Investing - Theory, News & General
Topic: New lower limit for Admiral share conversion
Replies: 10
Views: 1636

Re: Why would a passive investor use ETFs?

My understanding is that if I buy and hold an etf long term, I pay lt cap gain tax on the sale. For a mf, I pay regular income tax. In taxable, I see that as a big advantage for an etf There is NO distinction -- either case (ETF or MF) -- when the asset sold for profit is held >1 year. Why would a ...
by YDNAL
Fri Aug 15, 2014 4:07 pm
 
Forum: Investing - Theory, News & General
Topic: Why would a passive investor use ETFs?
Replies: 60
Views: 3651

Re: Do I need a small cap index if I already have total mark

Landy, All my TSP! I can do it , but then I can't re-balance from bonds to stocks, etc. I just am learning , and have never re-balanced. But, I won't be able to because my bonds will be in a seperate account! Yes, all of the TSP -- based on where your portfolio stands right now (account balances). ...
by YDNAL
Wed Aug 13, 2014 5:14 pm
 
Forum: Investing - Theory, News & General
Topic: Do I need a small cap index if I already have total market ?
Replies: 58
Views: 5337

Re: Do I need a small cap index if I already have total mark

riptide wrote:Thank you Landy for the calculations. Are you saying to put all my Tsp in the G fund?? You believe the G fund is better than the Vangaurd bond index funds that I hold??

Yes.
by YDNAL
Mon Aug 11, 2014 9:55 am
 
Forum: Investing - Theory, News & General
Topic: Do I need a small cap index if I already have total market ?
Replies: 58
Views: 5337

Re: Do I need a small cap index if I already have total mark

TSP through employment G fund = 50% Government bonds (this would be 12% of portfolio if added) C fund = 33% (large CAP) >>>> S fund = 17% small CAP) >>>>>> these two would add to total market index , they would be also be 12% of portfolio) Riptide, This is your starting point today: 1. If the TSP i...
by YDNAL
Mon Aug 11, 2014 8:10 am
 
Forum: Investing - Theory, News & General
Topic: Do I need a small cap index if I already have total market ?
Replies: 58
Views: 5337

Re: Do I need a small cap index if I already have total mark

Assuming that the Vanguard Total Market Index Fund is appropriately diverse and weighted to the real total market, the only reason for an additional holding in small cap stocks is the belief that small cap value stocks provide superior risk adjusted returns relative to other stocks.... Welcome to t...
by YDNAL
Sat Aug 09, 2014 5:32 pm
 
Forum: Investing - Theory, News & General
Topic: Do I need a small cap index if I already have total market ?
Replies: 58
Views: 5337

Re: Should this person buy bonds??

Suppose a retiree has sufficient income from pensions/annuities/social security (mostly COLA'd) to cover living expenses and even some extra. What would be the function of bonds in this persons portfolio? 1. Diversification. 2. Risk control. 3. Income. Are you assuming that non-Bond (for distinctio...
by YDNAL
Fri Aug 08, 2014 2:19 pm
 
Forum: Investing - Theory, News & General
Topic: Should this person buy bonds??
Replies: 16
Views: 1127

Re: What is "risk on, risk off" supposed to mean? Is it real

nisiprius wrote:I hear this phrase used a lot ["risk on, risk off"], and I don't even know what it's supposed to mean. Does it actually mean anything, other using the power of suggestion to prime you to see a pattern?

Did you know there are "indicators"? :)
by YDNAL
Fri Aug 08, 2014 2:04 pm
 
Forum: Investing - Theory, News & General
Topic: What is "risk on, risk off" supposed to mean? Is it real?
Replies: 7
Views: 639

Re: Short term vs Intermediate term bond funds

What are this forum's latest thoughts on short term bond funds (i.e. VBIRX and VTAPX) vs intermediate bond funds (i.e. VBTLX and VAIPX)..... I would venture to guess the "forum's latest thoughts" are the same as they were 6 months ago, last year, and the year before that. And this is docu...
by YDNAL
Fri Aug 08, 2014 1:45 pm
 
Forum: Investing - Theory, News & General
Topic: Short term vs Intermediate term bond funds
Replies: 27
Views: 2487

Re: U.S. stocks in freefall

One of my friends yesterday told me that since the market was down so much these past weeks it must be a good time to put a bunch more money in. I asked him how much it was down and he said over 10%. I just checked and all my funds are still up for the year. :sharebeer For "the year" and ...
by YDNAL
Fri Aug 08, 2014 1:07 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 802
Views: 134978

Re: Do I need a small cap index if I already have total mark

Thank you for letting me know it is not necessary. But, is it a good addition is what I really want to know? I didn't read all responses to your original post from Monday, so my apologies. To answer your question, I think we all need to take a closer look at the "Total" Stock Market index...
by YDNAL
Fri Aug 08, 2014 12:14 pm
 
Forum: Investing - Theory, News & General
Topic: Do I need a small cap index if I already have total market ?
Replies: 58
Views: 5337

Re: Volatility: Oh how I love thee.

In order to believe that you would have profited much from rebalancing in 2011--a year of "lovable" volatility--one has to assume "opportunistic" rebalancing, i.e. rebalancing based on correct intuition that it was "a good time." "Volatility" and its effect o...
by YDNAL
Fri Aug 08, 2014 8:13 am
 
Forum: Investing - Theory, News & General
Topic: Volatility: Oh how I love thee.
Replies: 44
Views: 3058

Re: Volatility: Oh how I love thee.

There’s nothing like good market volatility. It makes me sleep well at night. Plunging prices, several days of bad news, it makes me all smiles. No, I’m not a masochist. I just know that weak-minded investors become nervous and sell in a roller-coaster market, and that gives me more opportunities t...
by YDNAL
Fri Aug 08, 2014 7:34 am
 
Forum: Investing - Theory, News & General
Topic: Volatility: Oh how I love thee.
Replies: 44
Views: 3058

Re: Dividend Strategy Ain't For Everyone

... I hear soo many people looking for stocks paying high dividend. I often wonder if they attempt step 1 and 2 first. I am going to stick to step 1 and 2, unless I am missing something, if so please inform me. Any comments or opinions on this topic. Fundamentally, retirement savings = deferring CU...
by YDNAL
Fri Aug 01, 2014 1:03 pm
 
Forum: Investing - Theory, News & General
Topic: Dividend Strategy Ain't For Everyone
Replies: 149
Views: 10504

Re: Prove adding SV will increase E(r) given the same risk

Lately, I have seen many posts similar to "adding SV and more bonds to market/bonds portfolio will increase the expected return at the same risk." First, here's Jack Bogle's take (2012) on expected return: http://www.morningstar.com/cover/videocenter.aspx?id=571370 Benz: So, let's start w...
by YDNAL
Thu Jul 31, 2014 3:10 pm
 
Forum: Investing - Theory, News & General
Topic: Prove adding SV will lower the risk, given the same E(r)
Replies: 79
Views: 3996

Re: International investing. A good call by our mentor.

. Investing is NOT science. Water boiled at 212°F (99.98°C) at sea level in each of the last 15 years, the next 15 years, and 15 years after that. Stocks (US and non-US) behaved a certain way in the past and the behavior is unknown in the future. PS. "In this world nothing can be said to be cer...
by YDNAL
Thu Jul 31, 2014 2:47 pm
 
Forum: Investing - Theory, News & General
Topic: International investing. A good call by our mentor.
Replies: 145
Views: 12285

Re: POLL: Do you own corporate bonds?

With all the talk of tilting towards corporates, I'm curious how many Bogleheads use corporate bonds in their portfolio? Thanks! You may select 1 option Yes, I own a dedicated corporate bond fund or individual corporate bonds. Yes, but only as part of a total market bond fund. No, I only own govern...
by YDNAL
Fri Jul 25, 2014 1:39 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Do you own corporate bonds?
Replies: 35
Views: 2140

Re: Adding Corporates to Total Bond Market Index

Landy, You missed my point. I have an allocation to ST IG and LT Tax-Ex for rebalancing if/when needed. In fact, if you take a second read you will see I said that in my original response to you. I'm not conflating anything and your "stay the course" and mine may be different in ingredien...
by YDNAL
Thu Jul 24, 2014 11:19 am
 
Forum: Investing - Theory, News & General
Topic: Adding Corporates to Total Bond Market Index
Replies: 76
Views: 6982

Re: Adding Corporates to Total Bond Market Index

Welcome back Landy.... The most realistic solution I see for today's interest rate environment is ST IG (LT Tax-Ex in taxable) for rebalance money, which has a better interest rate rise recovery rate (yield/duration), and the rest in IT IG corporates. I don't like it, but I like it better than what...
by YDNAL
Wed Jul 23, 2014 11:09 am
 
Forum: Investing - Theory, News & General
Topic: Adding Corporates to Total Bond Market Index
Replies: 76
Views: 6982

Re: Adding Corporates to Total Bond Market Index

... As for the rebalancing bonus with Treasuries, I wonder how many people actually sold their precious Treasuries to buy equity during that crisis. I suspect very few. When discussions about rebalancing take place, the "rebalancing bonus" always raises its [ugly] head. I see it from a di...
by YDNAL
Wed Jul 23, 2014 8:15 am
 
Forum: Investing - Theory, News & General
Topic: Adding Corporates to Total Bond Market Index
Replies: 76
Views: 6982

Re: Adding Corporates to Total Bond Market Index

.... Can you let me know what you are saying in level clear language? Sorry, but I don't see the "unleveled, unclear" language in a synopsis I made of what you had said. Unless one panics and wants to cash out one's bond holdings during a temporary dip in bond prices , why should we gear ...
by YDNAL
Wed Jul 23, 2014 7:34 am
 
Forum: Investing - Theory, News & General
Topic: Adding Corporates to Total Bond Market Index
Replies: 76
Views: 6982

Re: Do you "Tax Adjust" your Asset Allocation (Pre vs Roth,

YDNAL - I hope you didn't take my response as snarky because I didn't mean it as such. No, I responded to your post. 1. IF you are convinced that you own only 75% of the 401K, the AA to manage risk should reflect it . 2. Meaning that you need to rebalance out of Equities into Fixed Income (per &quo...
by YDNAL
Tue Jul 22, 2014 10:01 am
 
Forum: Investing - Theory, News & General
Topic: Do you "Tax Adjust" your Asset Allocation (Pre vs Roth, etc)
Replies: 77
Views: 3740

Re: Do you "Tax Adjust" your Asset Allocation (Pre vs Roth,

Your Roth IRA is set up as follows: $50,000 in Total Stock Market. Your 401k is set up as follows: $25,000 in Total Stock Market. $75,000 in Total Bond..... What is your asset allocation right now, for rebalancing purposes? Is it: 50% Bond / 50% Stocks (75K each) or is it: 45% Bonds / 55% Stocks, b...
by YDNAL
Tue Jul 22, 2014 7:33 am
 
Forum: Investing - Theory, News & General
Topic: Do you "Tax Adjust" your Asset Allocation (Pre vs Roth, etc)
Replies: 77
Views: 3740

Re: Adding Corporates to Total Bond Market Index

Recall especially how corporates, even highly rated ones, behave in a crisis. They tank. Recall how treasuries behave in a crisis. They soar. Just look at the spread between corporates and US treasuries in the 2008 crash. Corporate bonds behave like stocks in a crisis, treasuries behave the opposit...
by YDNAL
Tue Jul 22, 2014 6:51 am
 
Forum: Investing - Theory, News & General
Topic: Adding Corporates to Total Bond Market Index
Replies: 76
Views: 6982

Re: Adding Corporates to Total Bond Market Index

Recall especially how corporates, even highly rated ones, behave in a crisis. They tank. Recall how treasuries behave in a crisis. They soar. Just look at the spread between corporates and US treasuries in the 2008 crash. Corporate bonds behave like stocks in a crisis, treasuries behave the opposit...
by YDNAL
Mon Jul 21, 2014 2:36 pm
 
Forum: Investing - Theory, News & General
Topic: Adding Corporates to Total Bond Market Index
Replies: 76
Views: 6982

Re: Do you "Tax Adjust" your Asset Allocation (Pre vs Roth,

Your Roth IRA is set up as follows: $50,000 in Total Stock Market. Your 401k is set up as follows: $25,000 in Total Stock Market. $75,000 in Total Bond..... What is your asset allocation right now, for rebalancing purposes? Is it: 50% Bond / 50% Stocks (75K each) or is it: 45% Bonds / 55% Stocks, b...
by YDNAL
Mon Jul 21, 2014 1:27 pm
 
Forum: Investing - Theory, News & General
Topic: Do you "Tax Adjust" your Asset Allocation (Pre vs Roth, etc)
Replies: 77
Views: 3740

Re: Do any bogleheads hold the "Larry Portfolio?"

With all the discussion about Larry Swedroe's SCV tilt portfolio on the board, I'm curious whether anyone besides Larry actually holds this portfolio allocation and how they're feeling about it. It's a curiously un-bogle like allocation. As I understand, we're talking about a split of approximately...
by YDNAL
Sat Jul 19, 2014 10:37 am
 
Forum: Investing - Theory, News & General
Topic: Do any bogleheads hold the "Larry Portfolio?"
Replies: 18
Views: 2513

Re: Sudden Wellington drop?

Bump!!! ....regardless of the level of experience, a buyer should know what they buy . • For mutual funds/ETFs, certainly know most basic things such as how much it costs to own, underlying holdings, distributions, etc. • The posters that don't know the basics of their funds, have not done sufficien...
by YDNAL
Sat Jun 21, 2014 10:16 am
 
Forum: Investing - Theory, News & General
Topic: [Why did my fund suddenly drop in value?]
Replies: 79
Views: 6572

Re: Who are the BogleHeads.org heavyweights?

Beautiful, nedsaid! Exactly the sort of post I was looking for. Someone who has been around for a while with suggestions on their own personal favorites. Now I have a question -- where is YDNAL? The search page (http://www.bogleheads.org/forum/memberlist.php?mode=viewprofile&u=1626) says this u...
by YDNAL
Tue Jun 17, 2014 1:48 pm
 
Forum: Forum Issues and Administration
Topic: Re: Who are the BogleHeads.org heavyweights?
Replies: 2
Views: 1145

Re: Grantham's Latest

Yeah! “ The bull market may come to an end any time , indeed as I write it may already have happened,” Mr. Grantham said. << snip >> ... probably (i.e., over 50%) will not end for at least a year or two and probably not before it reaches a level in excess of 2,250 on the S&P 500.” Each one of u...
by YDNAL
Sun May 04, 2014 9:43 am
 
Forum: Investing - Theory, News & General
Topic: Grantham's Latest
Replies: 8
Views: 1040

Re: Mea culpa [100% stock at 50]

On a side note, I do have two friends who are in their early 50s and one is an investment professional and years ago they were the first people to tell me to not hold bonds and go 100% in the S&P Index Fund (which is how they have been invested for years). I asked if they still feel this way an...
by YDNAL
Sun May 04, 2014 9:14 am
 
Forum: Investing - Theory, News & General
Topic: Mea culpa [100% stock at 50]
Replies: 46
Views: 5391

Re: Vanguard's Small Cap Value Fund Expense Ratio Goes Up

[OT comments removed by admin LadyGeek] 4) I think it matters that lately Vanguard can't seem to post accurate information on their website and has to keep revising it (while not acknowledging all of the revisions they've made). [Response to OT comments removed by admin LadyGeek] Now, on topic, I l...
by YDNAL
Sun May 04, 2014 8:28 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard's Small Cap Value Fund Expense Ratio Goes Up
Replies: 41
Views: 7366

Re: How do I find out about a stock that no longer exists?

lululu » Sat May 03, 2014 12:19 pm lululu has come up with a different company. I could be wrong, so I'll wait to hear from others. If anyone had actually read the link I posted in the first reply, they would know it said what happened to the company the OP asked about. Agree, lululu. However, some...
by YDNAL
Sat May 03, 2014 3:45 pm
 
Forum: Investing - Theory, News & General
Topic: How do I find out about a stock that no longer exists?
Replies: 9
Views: 860

Re: Grantham's Latest

Grantham has been discussed many times here, so I figured this latest WSJ article on his current thinking was "actionable": http://blogs.wsj.com/moneybeat/2014/05/02/jeremy-grantham-on-bubbles-i-am-sure-it-will-end-badly/ Yeah! “ The bull market may come to an end any time , indeed as I w...
by YDNAL
Sat May 03, 2014 10:14 am
 
Forum: Investing - Theory, News & General
Topic: Grantham's Latest
Replies: 8
Views: 1040

Re: An easy way to save money: Avoid the $300,000 car.

Taylor Larimore » Thu May 01, 2014 5:22 pm wrote:An easy way to save money: Avoid the $300,000 car.

I thought Taylor leased a new Lexus LFA. :)
by YDNAL
Sat May 03, 2014 9:39 am
 
Forum: Personal Finance (Not Investing)
Topic: An easy way to save money: Avoid the $300,000 car.
Replies: 152
Views: 17622

Re: How do I find out about a stock that no longer exists?

Thanks lulu but the company is Pensylvania Engineering Corp not Pensylvania Engineering Works or Pensylvania Engineering and Manufacturing Corp. It appears to be Pennsylvania Engineering & Manufacturing Corp. founded in 1942, listed in 1966 on Nasdaq (PNN). Now a private company. http://www.pen...
by YDNAL
Sat May 03, 2014 9:35 am
 
Forum: Investing - Theory, News & General
Topic: How do I find out about a stock that no longer exists?
Replies: 9
Views: 860

Re: Vanguard's Small Cap Value Fund Expense Ratio Goes Up

cb474 [OP] » Mon Apr 28, 2014 4:50 am I just saw that the expense ratio on VBR/VSIAX, Vanguard's small cap value fund, has gone up from .10% to .12%. (Not sure what, if any, change there was for the investor shares.) That surprised me. I haven't seen the ER on a Vanguard fund go up before. It's not...
by YDNAL
Sat May 03, 2014 8:50 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard's Small Cap Value Fund Expense Ratio Goes Up
Replies: 41
Views: 7366

Re: Mea culpa [100% stock at 50]

As of January of 2014 I have been 100% stocks. I'm turning 50 this June and after being a pretty conservative investor with a 70/30 portfolio I realize, I have no business in a 100% stock portfolio even if Warren says so. As of tomorrow I go back to 70/30 and will slowly take that down as I age to ...
by YDNAL
Wed Apr 30, 2014 1:16 pm
 
Forum: Investing - Theory, News & General
Topic: Mea culpa [100% stock at 50]
Replies: 46
Views: 5391

Re: Social security at 62 vs 70

Here's a simple explanation: Delay Social Security to age 70 and Spend more money at 62 $309/month increase for waiting until 70 collect social security. Sorry but my time during my golden/retired years are worth way way more than that. I'm collecting SS as soon as I can get it. My savings and inve...
by YDNAL
Wed Apr 30, 2014 12:30 pm
 
Forum: Investing - Theory, News & General
Topic: Social security at 62 vs 70
Replies: 76
Views: 5806

Re: Social security at 62 vs 70

Lets run some math. Your choices are 1500/month at 62 or 2600 at 70. Assume I spend 2600/month and have 500k 4% real Take it early age 70 563k age 84 739k age 90 850k by taking it late age 70 394k age 84 629K age 90 768K To end up with more money you need to live til 90 and have 2% real returns. Mo...
by YDNAL
Tue Apr 29, 2014 5:33 pm
 
Forum: Investing - Theory, News & General
Topic: Social security at 62 vs 70
Replies: 76
Views: 5806

Re: Vanguard response to issue of average annual returns

Frans » Mon Apr 28, 2014 5:44 pm ....Not a word about Vanguard personnel misinforming Vanguard members, not a word about my question whether or not Vanguard has or will petition the SEC to change the terminology, not a word about my question of possibly adding footnotes to clarify the issue. Frans,...
by YDNAL
Tue Apr 29, 2014 7:51 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard response to issue of average annual returns
Replies: 32
Views: 4597

Re: Convince me to lump sum into the market

A month or so after a recent seven figure windfall, I'm getting ready to execute my portfolio plan which calls for a reasonable equities allocation. I'm not one to normally time the market, but I'm really not feeling very confident about getting into the market at this level. That's why I'm thinkin...
by YDNAL
Sun Apr 27, 2014 8:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Convince me to lump sum into the market
Replies: 57
Views: 11094

Re: Savings Rate what do you include?

I must still have trouble reading, because you said sure there is, which read to me as a response to the immediate preceding portion of the quote. Let me repeat (as edited): freddie » Fri Apr 25, 2014 10:49 am [Saving rate is the same but if the goal is to have enough cash to match their spending n...
by YDNAL
Fri Apr 25, 2014 2:26 pm
 
Forum: Investing - Theory, News & General
Topic: Savings Rate what do you include?
Replies: 69
Views: 5521

Re: Bogle: Tilt To Corporates For More Yield

Doc wrote:All of which makes it perfectly clear of what I should do with my FI portfolio. :wink:

Stick with Treasuries!* :wink:

* they do [should] what you want them to do when you need.
by YDNAL
Fri Apr 25, 2014 11:43 am
 
Forum: Investing - Theory, News & General
Topic: Bogle: Tilt To Corporates For More Yield
Replies: 73
Views: 8927

Re: Savings Rate what do you include?

freddie » Fri Apr 25, 2014 10:49 am ...Who is saving more a)Person who makes 1 million, spends 200k on living expenses, saves 400k and pays 400k in taxes for a savings rate of 40%. or b) Person who makes 100k, saves 40k, spends 40k, and pays 20k in taxes for a savings rate of 40% Saving rate is the...
by YDNAL
Fri Apr 25, 2014 11:40 am
 
Forum: Investing - Theory, News & General
Topic: Savings Rate what do you include?
Replies: 69
Views: 5521

Re: Savings Rate what do you include?

freddie » Fri Apr 25, 2014 10:49 am ...Who is saving more a)Person who makes 1 million, spends 200k on living expenses, saves 400k and pays 400k in taxes for a savings rate of 40%. or b) Person who makes 100k, saves 40k, spends 40k, and pays 20k in taxes for a savings rate of 40% Saving rate is the...
by YDNAL
Fri Apr 25, 2014 11:27 am
 
Forum: Investing - Theory, News & General
Topic: Savings Rate what do you include?
Replies: 69
Views: 5521
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