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Re: How often do YOU rebalance and when?

An investor can rebalance by: 1) Selling shares of one asset and redirecting to another asset. 2) Directing new contributions to the needed asset. We have typically done the second option and directed new contributions to the needed asset. This has worked well for us and we intend to stay the course...
by abuss368
Wed Sep 17, 2014 1:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: How often do YOU rebalance and when?
Replies: 36
Views: 1353

Re: Real Estate Question

Have you considered a different Property Manager?
by abuss368
Wed Sep 17, 2014 1:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Real Estate Question
Replies: 15
Views: 892

Re: Real Estate Question

Sounds like a no brainer to me - sell. Move on and get on with what you really want to do! +1 I would also start going through your stuff and getting rid of some of it. I suspect a lot of it is expendable. Make your life simpler and save your heirs the work of doing that. Hi swampy, To me this is a...
by abuss368
Wed Sep 17, 2014 1:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Real Estate Question
Replies: 15
Views: 892

Re: Inflation Bonds - Staying the Course?

We currently invest in Total Bond and Intermediate Tax Exempt. If we added a second bond fund, it would probably be Intermediate TIPS. This fund is non-overlapping and recommended by David Swensen and Rick Ferri. I would guess an allocation of 30% of bonds as a starting point.
by abuss368
Wed Sep 17, 2014 1:47 pm
 
Forum: Investing - Theory, News & General
Topic: Inflation Bonds - Staying the Course?
Replies: 17
Views: 1069

Inflation Bonds - Staying the Course?

There is an article on Yahoo Finance today that inflation is now at the lowest point in 16 months. My question is for Bogleheads who invest in inflation bonds (i.e. Individual TIPS, TIPS funds, iBonds), are you planning to stay the course with inflation bonds? Have you sold out of inflation bonds ov...
by abuss368
Wed Sep 17, 2014 9:30 am
 
Forum: Investing - Theory, News & General
Topic: Inflation Bonds - Staying the Course?
Replies: 17
Views: 1069

Re: Vanguard Total Stock Market Index Fund (VTSMX)

Great news!

Thank you for sharing Taylor.
by abuss368
Wed Sep 17, 2014 9:27 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard Total Stock Market Index Fund (VTSMX)
Replies: 10
Views: 1925

Re: Where do I put my cash now?

The stock markets have been soaring for a while, and the pundits have been predicting a correction. Yet, I have not seen one yet. In the meantime, my cash is building up earning nothing. I am very well diversified across stocks and bonds including international investments. I have put in some order...
by abuss368
Wed Sep 17, 2014 9:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Where do I put my cash now?
Replies: 16
Views: 1443

Re: CalPERS Eliminates Hedge Fund Program

How is CalPERS going to bank 7.5% returns going forward? Appears the expected return has been declining over the last few years.
by abuss368
Wed Sep 17, 2014 9:23 am
 
Forum: Investing - Theory, News & General
Topic: CalPERS Eliminates Hedge Fund Program
Replies: 37
Views: 2086

Re: A History of the Equity Risk Premium and its Estimation

Hi Rick,

Thank you for sharing the paper. I have been using a projected 6% equity return for the foreseeable future. Jack Bogle has been noting 6% - 8% nominal return as well for some time.

Best.
by abuss368
Wed Sep 17, 2014 9:22 am
 
Forum: Investing - Theory, News & General
Topic: A History of the Equity Risk Premium and its Estimation
Replies: 19
Views: 1587

Re: Why Invest in Bonds in your early 30s?

I am in my early thirties and am interested in investing for a comfortable retirement (not sure if social security will be around for me). I understand why I should invest in stock funds for retirement: through compounding, a stock fund will generate a lot of value over 20-30 years. But why should ...
by abuss368
Wed Sep 17, 2014 9:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Why Invest in Bonds in your early 30s?
Replies: 36
Views: 2806

Re: CalPERS Eliminates Hedge Fund Program

It will be interesting to see in the months and years ahead if this is just a start towards a more passive and index oriented strategy.
by abuss368
Wed Sep 17, 2014 9:14 am
 
Forum: Investing - Theory, News & General
Topic: CalPERS Eliminates Hedge Fund Program
Replies: 37
Views: 2086

Re: Help me understand Bonds

There is an excellent section in the wiki regarding the fund that you will benefit from. I looked in the wiki and couldn't find a page specific to the fund, is it possible you could link it? Thanks. I've been reading "The Only Guide to a Winning Bond Strategy You'll Ever Need" by Swedroe ...
by abuss368
Tue Sep 16, 2014 4:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help me understand Bonds
Replies: 7
Views: 370

Re: 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 Hi Taylor, Thank you for...
by abuss368
Tue Sep 16, 2014 4:48 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 893
Views: 350649

Re: Individual Stocks

After 2 years of using 5% of my portfolio to dabble in individual stocks, I have now sold the last of them. Between losses, gains, and fees, I made about $100 and wasted a lot of energy and stomach acid doing so. It was an interesting experience, if but to reinforce the notion that "You Rarely...
by abuss368
Tue Sep 16, 2014 2:44 pm
 
Forum: Investing - Theory, News & General
Topic: Individual Stocks
Replies: 29
Views: 1783

Re: Help me understand Bonds

Also consider "The Bond Book". You can pick up at copy via Amazon.com. Just be sure to click the Amazon.com link on the Bogleheads main page.
by abuss368
Tue Sep 16, 2014 2:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help me understand Bonds
Replies: 7
Views: 370

Re: Any success stories of ppl who never made >$50,000?

In my mind, Bogleheads isn't about numbers, it's about philosophy. The number of zeroes behind the first number really doesn't matter - it's your approach to investing that's important. I don't have my copy handy, but in Jack's book "The Little Book of Common Sense Investing" he relates t...
by abuss368
Tue Sep 16, 2014 2:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any success stories of ppl who never made >$50,000?
Replies: 134
Views: 7179

Re: Help me understand Bonds

When it comes to asset allocation, how do you determine which bond fund to select? Lets assume these are in a tax-advantaged account. Taking these two funds, one is slightly more risk adverse with greater returns, and the other is more stable. I have heard the term "junk bonds" before, at...
by abuss368
Tue Sep 16, 2014 2:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help me understand Bonds
Replies: 7
Views: 370

Re: CalPERS Eliminates Hedge Fund Program

Does anyone think CalPERS will sell everything and go with a simple Three Fund Portfolio?
by abuss368
Tue Sep 16, 2014 2:24 pm
 
Forum: Investing - Theory, News & General
Topic: CalPERS Eliminates Hedge Fund Program
Replies: 37
Views: 2086

Re: CalPERS Eliminates Hedge Fund Program

Incredible! Thanks for sharing.
by abuss368
Mon Sep 15, 2014 11:53 pm
 
Forum: Investing - Theory, News & General
Topic: CalPERS Eliminates Hedge Fund Program
Replies: 37
Views: 2086

Re: 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. Excellent question! The Total Bond Index fund includes ...
by abuss368
Mon Sep 15, 2014 11:48 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 893
Views: 350649

Re: Individual Stocks

We have not owned an individual stocks in over 6 years after a lifetime of investing in them. I can not see going back to individual stocks at this point. Index funds have worked so well. The investing world is risky so be careful.

Thank you Jack Bogle!

Best.
by abuss368
Mon Sep 15, 2014 4:22 pm
 
Forum: Investing - Theory, News & General
Topic: Individual Stocks
Replies: 29
Views: 1783

Re: The Three Fund Portfolio

Michael Edessess and his three co-authors of "The 3 Simple Rules of Investing," also recommend a simple portfolio similar to The Three Fund Portfolio. The book is an interesting read as these authors dismantle many investment myths. Hi LHerr, I have read more about the Three Fund Portfoli...
by abuss368
Mon Sep 15, 2014 4:01 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 893
Views: 350649

Re: To Tilt or Not to Tilt - Rick Ferri's Latest

. While the sample may be small (181 asset managers), I can't help but think about William Bernstein's book "Skating where the puck was" when reading this survey - "smart beta adoption is happening, and happening broadly" http://www.russell.com/documents/indexes/research/smart-b...
by abuss368
Mon Sep 15, 2014 4:00 pm
 
Forum: Investing - Theory, News & General
Topic: To Tilt or Not to Tilt - Rick Ferri's Latest
Replies: 77
Views: 7780

Re: How should I invest the money in my taxable account?

Given the relative size of the taxable account relative to the non-taxable, I'd be looking at every opportunity to increase the size of the tax shelter each year. You might consider purchasing some I Bonds via the treasury using taxable money. This could contribute to the bond allocation, or be use...
by abuss368
Mon Sep 15, 2014 12:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: How should I invest the money in my taxable account?
Replies: 20
Views: 2551

Re: Tax Deduction for Charitable Contributions at Businesses

If you have supporting documentation than you are fine. Any reported item without supporting documentation could be disallowed.
by abuss368
Fri Sep 12, 2014 3:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Deduction for Charitable Contributions at Businesses
Replies: 15
Views: 778

Re: 100% Small and Value Tilting

If you are aware of the potential risks and rewards, and this portfolio will allow you to sleep well at night, then develop your strategy and execute it. Many DFA funds tilt this way correct?
by abuss368
Fri Sep 12, 2014 3:16 pm
 
Forum: Investing - Theory, News & General
Topic: 100% Small and Value Tilting
Replies: 70
Views: 3862

Re: How should I invest the money in my taxable account?

Hi bmorehokie, Congrats on accumulating a sizable portfolio at such a young age. I would suggest a simple Three Fund Portfolio for your taxable account. This portfolio would consist of the following funds: * Total Stock Index - 70% of equity * Total International Index - 30% of equity * Intermediate...
by abuss368
Fri Sep 12, 2014 3:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: How should I invest the money in my taxable account?
Replies: 20
Views: 2551

Re: How would you handle this situation ?

Be honest and say you are not interested as a result of your concerns if that is the direction the group is moving. Another possibility is just to say you are unavailable and pass.
by abuss368
Fri Sep 12, 2014 3:10 pm
 
Forum: Personal Consumer Issues
Topic: How would you handle this situation ?
Replies: 33
Views: 2430

Re: Are Mid Caps the NEW Small Caps

I'm wondering if, given the amount of love that small cap and small cap value tilting is getting recently, and the sheer number of investors tilting that way, if it's possible that the risk premiums normally associated with this type of tilt will be for naught and we will begin to see smaller and s...
by abuss368
Fri Sep 12, 2014 3:07 pm
 
Forum: Investing - Theory, News & General
Topic: Are Mid Caps the NEW Small Caps
Replies: 15
Views: 1668

Re: Bond Allocation

Hi Blinx,

One book that I found very interesting and a good resource was "The Bond Book". You may want to consider purchasing a copy at Amazon.

Best.
by abuss368
Fri Sep 12, 2014 3:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond Allocation
Replies: 10
Views: 1638

Re: Why is REIT only sector fund recommended in slice & dice

jay22 wrote:Small cap index (NAESX) is also recommended for those who slice & dice, isn't it?


Hi jay22,

I am unsure if Small Cap Index is recommended, but most often Small Cap Value is mentioned.

Best.
by abuss368
Fri Sep 12, 2014 3:05 pm
 
Forum: Investing - Theory, News & General
Topic: Why is REIT only sector fund recommended in slice & dice?
Replies: 113
Views: 7318

Re: Angry when stock market is down

The older I get? Not at all. That means I can buy securities on sale.

Best.
by abuss368
Fri Sep 12, 2014 1:10 pm
 
Forum: Investing - Theory, News & General
Topic: Angry when stock market is down
Replies: 79
Views: 3860

Re: Angry when stock market is down

Time to take the pillow test. In cases like this The Pillow Test is recommended. If you are unable to sleep well at night thinking about your portfolio then it is time to make some adjustments until you can finally pass the pillow test. Fwiw I do not have a perfect portfolio but I sleep well at nig...
by abuss368
Fri Sep 12, 2014 1:10 pm
 
Forum: Investing - Theory, News & General
Topic: Angry when stock market is down
Replies: 79
Views: 3860

Re: Why is REIT only sector fund recommended in slice & dice

The International REIT fund has been established with Vanguard for approximately 4 years. I would be interested in knowing if more Bogleheads have started to invest in this asset class since inception. I've been in the fund since it started, moving half my REITs from the US to the international fun...
by abuss368
Fri Sep 12, 2014 1:09 pm
 
Forum: Investing - Theory, News & General
Topic: Why is REIT only sector fund recommended in slice & dice?
Replies: 113
Views: 7318

Re: Are Mid Caps the NEW Small Caps

JoMoney wrote:No, as I said, I'm "tilted" a bit to large-caps, I'm 100% in S&P500.


Hi JoMoney,

The portfolio that Warren Buffett has recommended and set up for his wife - Vanguard S&P 500 index fund with treasury bonds!

Best.
by abuss368
Wed Sep 10, 2014 4:53 pm
 
Forum: Investing - Theory, News & General
Topic: Are Mid Caps the NEW Small Caps
Replies: 15
Views: 1668

Re: bogleheads - can I scale it back?

Hi Schmitz, A few things: 1) Congrats on the birth of the baby! Enjoy this time as it goes very fast. 2) Expenses - a little high at $7,000 - $8,000 per month. Is there any way to properly review and decrease? That would help if you have lower expected income. 3) Net Worth - congrats on your achieve...
by abuss368
Wed Sep 10, 2014 4:44 pm
 
Forum: Investing - Theory, News & General
Topic: bogleheads - can I scale it back?
Replies: 34
Views: 3980

Re: ow Does Paying Off a Mortgage Affect Your Credit Score

I just noticed the original poster has not followed up with a response. Perhaps he will see a lot of the good advice above and provide some follow up.

Best.
by abuss368
Wed Sep 10, 2014 4:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: ow Does Paying Off a Mortgage Affect Your Credit Score
Replies: 16
Views: 1413

Re: ow Does Paying Off a Mortgage Affect Your Credit Score

I've read all the pros and cons about paying off your mortgage early. I am leaning toward paying it off, but I was wondering how would paying off a mortgage affect my credit score? I am 51...owe $140K on the house and have just over $1,000,000 in my portfolio (taxable and non-taxable). Hi Kuota Rid...
by abuss368
Wed Sep 10, 2014 4:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: ow Does Paying Off a Mortgage Affect Your Credit Score
Replies: 16
Views: 1413

Re: Are Mid Caps the NEW Small Caps

I'm wondering if, given the amount of love that small cap and small cap value tilting is getting recently, and the sheer number of investors tilting that way, if it's possible that the risk premiums normally associated with this type of tilt will be for naught and we will begin to see smaller and s...
by abuss368
Wed Sep 10, 2014 4:35 pm
 
Forum: Investing - Theory, News & General
Topic: Are Mid Caps the NEW Small Caps
Replies: 15
Views: 1668

Re: Why is Total Intl's turnover rate much lower than its pa

I decided to switch from Vanguard's Total International fund to (most of) its component parts: pacific, european, and emerging. My rationale is Rick Ferri's argument about possibly getting a rebalancing bonus from currency discrepancies (I also like being able to see how the different slices are do...
by abuss368
Wed Sep 10, 2014 10:28 am
 
Forum: Investing - Theory, News & General
Topic: Why is Total Intl's turnover rate much lower than its parts?
Replies: 12
Views: 820

Re: Fixed income placement

I would pass. The general advice it to keep an investor's bond allocation in short or intermediate term bond funds.

Best.
by abuss368
Wed Sep 10, 2014 9:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Fixed income placement
Replies: 7
Views: 859

Re: Total World is 50% Intl?!

This fund hold the market weight of international and US equities. Approximately 50% - 60% of the world's capitalization is international and it is a moving target.

Best.
by abuss368
Wed Sep 10, 2014 9:37 am
 
Forum: Investing - Theory, News & General
Topic: Total World is 50% Intl?!
Replies: 17
Views: 2186

Re: Why is REIT only sector fund recommended in slice & dice

The International REIT fund has been established with Vanguard for approximately 4 years. I would be interested in knowing if more Bogleheads have started to invest in this asset class since inception.
by abuss368
Wed Sep 10, 2014 9:35 am
 
Forum: Investing - Theory, News & General
Topic: Why is REIT only sector fund recommended in slice & dice?
Replies: 113
Views: 7318

Re: Bond Allocation

Several years ago my wife asked the Bogleheads group for recommendations for our bond fund allocation. The feedback we received generally said that a total bond fund would be fine, or even TIPS or an intermediate bond fund would all generally work. Since then we have been allocated 80% TIPS and 20%...
by abuss368
Wed Sep 10, 2014 9:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond Allocation
Replies: 10
Views: 1638

Re: Is it time to start using a taxable account?

For a retiree this could be part of a two-fund portfolio, that is, target retirement income on the tax-advantaged accounts, and tax-managed balanced on the taxable account. Thanks for reading. Hi cfs, What a simple but very effective approach! Best. Good evening, abuss368 I can't wait to see the pe...
by abuss368
Wed Sep 10, 2014 9:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Is it time to start using a taxable account?
Replies: 13
Views: 1452

Re: Bond Funds and Interest Rates Question

If the FEDS raise interest rates to 4% what will be the corresponding percentage drop in an average bond index fund, for example VTAPX? Hi pc95, The best bond advice you could receive is to select a diversified and low cost bond fund and stay the course. Higher yield almost always means higher risk...
by abuss368
Wed Sep 10, 2014 9:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Bond Funds and Interest Rates Question
Replies: 17
Views: 1244

Re: The Three Fund Portfolio

Why is it some would poopoo ETF's in general. In other words, what could possibly be wrong with a ETF portfolio of Total Stock Market, Total International, and Total Bond Market, properly allocated? Hi Mr. Digweed, You received a good response to your question. I will also add that Jack Bogle has m...
by abuss368
Wed Sep 10, 2014 9:29 am
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 893
Views: 350649

Re: What Movie Have You Recently Watched?

We watched "Goodbye World" on Netflix. About a virus the takes down the energy grid for years. Not a bad movie but one that really makes you think in today's electronic device dependent world.
by abuss368
Wed Sep 10, 2014 9:26 am
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 84
Views: 3632

Re: Property or stock?

Hi zorph,

You have received many good responses but I have not read a follow up from you in over a week. Do you have any updated thoughts?

Best.
by abuss368
Mon Sep 08, 2014 7:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Property or stock?
Replies: 24
Views: 2231

Re: Is it time to start using a taxable account?

cfs wrote:For a retiree this could be part of a two-fund portfolio, that is, target retirement income on the tax-advantaged accounts, and tax-managed balanced on the taxable account.

Thanks for reading.


Hi cfs,

What a simple but very effective approach!

Best.
by abuss368
Mon Sep 08, 2014 7:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is it time to start using a taxable account?
Replies: 13
Views: 1452
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