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Re: Should I buy more REITs?

Swensen took a year off work to deal with cancer. I don't know his status. Hi Valuethinker, My understanding is David Swensen has returned to Yale University a while ago and is fully engaged with the endowment. I was recently reading the endowment press releases regarding the investment strategy an...
by abuss368
Thu Oct 30, 2014 10:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I buy more REITs?
Replies: 43
Views: 3865

Re: Should I buy more REITs?

Swensen took a year off work to deal with cancer. I don't know his status. Hi Valuethinker, My understanding is David Swensen has returned to Yale University a while ago and is fully engaged with the endowment. I was recently reading the endowment press releases regarding the investment strategy an...
by abuss368
Thu Oct 30, 2014 5:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I buy more REITs?
Replies: 43
Views: 3865

Re: Best approaches to accumulating in a down market

So here's a topic that has been bugging me lately. best approaches to adding/accumulating in a down market. for example, should you go overweight in e.g. small caps, especially when the market gives you such a nice pullback, or should you add across the board using specific weights that favor favor...
by abuss368
Thu Oct 30, 2014 11:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Best approaches to accumulating in a down market
Replies: 23
Views: 1815

Re: Should I buy more REITs?

Swensen took a year off work to deal with cancer. I don't know his status. Hi Valuethinker, My understanding is David Swensen has returned to Yale University a while ago and is fully engaged with the endowment. I was recently reading the endowment press releases regarding the investment strategy an...
by abuss368
Thu Oct 30, 2014 11:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I buy more REITs?
Replies: 43
Views: 3865

Re: REIT Index Fund in a SEP IRA vs Roth IRA

Hi JohnnyFive,

You are probably fine placing REITs in either account. However, considering that stocks outperform bonds over the long term, REITs may be better placed in the Roth IRA as distributions from a Roth are not taxable.

Best.
by abuss368
Thu Oct 30, 2014 9:29 am
 
Forum: Investing - Theory, News & General
Topic: REIT Index Fund in a SEP IRA vs Roth IRA
Replies: 9
Views: 552

Re: Distribution in excess of basis

It depends it terms of was cash contributed. Did you take out a personal loan and put the proceeds in the business? Unfortunately, with the complexity involved, you are going to need to meet with your accountant to better understand it or engage the services of a different CPA.
by abuss368
Thu Oct 30, 2014 9:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Distribution in excess of basis
Replies: 11
Views: 583

Re: Distribution in excess of basis

There is stock basis and debt basis. Do you have both? Essentially distributions in excess of basis are taxable at capital gains rates.
by abuss368
Thu Oct 30, 2014 9:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Distribution in excess of basis
Replies: 11
Views: 583

Re: IRS Announces new 401(k) contribution max for 2015 ($18,

I posted an earlier question above: Does anyone know why IRAs have never had the same contribution limits as 401(k)'s?
by abuss368
Thu Oct 30, 2014 9:06 am
 
Forum: Investing - Theory, News & General
Topic: IRS Announces new 401(k) contribution max for 2015 ($18,000)
Replies: 50
Views: 7104

Re: THANK YOU!!! Bogleheads Conference #13 (2014)

Does anyone know (and I apologize if this has already been addressed) when the questions to both Jack Bogle and the Panel (that we posted to the threads) will be available to review? They'll be posted whenever they're ready. The folks doing this work are volunteers and they have real jobs. Awesome ...
by abuss368
Wed Oct 29, 2014 9:42 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: THANK YOU!!! Bogleheads Conference #13 (2014)
Replies: 48
Views: 4341

Re: tax efficiency

Total Bond Market!
by abuss368
Wed Oct 29, 2014 9:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: tax efficiency
Replies: 5
Views: 864

Re: Should I buy more REITs?

David Swensen, Yale University CIO, and author of the excellent book "Unconventional Success" has recommended a 20% of total portfolio allocation to REITs.

I would be curious of Dr. Swensen's recent thoughts in terms of International REITs.

Best.
by abuss368
Wed Oct 29, 2014 5:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I buy more REITs?
Replies: 43
Views: 3865

Re: 2014 Bogleheads Conference Message from Jack Bogle

Mr. Bogle,

Thank you for everything you have done for ordinary investors so that we too can earn our fair share!

Stay the course!
by abuss368
Wed Oct 29, 2014 5:37 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: 2014 Bogleheads Conference Message from Jack Bogle
Replies: 10
Views: 1407

Re: THANK YOU!!! Bogleheads Conference #13 (2014)

Does anyone know (and I apologize if this has already been addressed) when the questions to both Jack Bogle and the Panel (that we posted to the threads) will be available to review?
by abuss368
Wed Oct 29, 2014 5:26 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: THANK YOU!!! Bogleheads Conference #13 (2014)
Replies: 48
Views: 4341

Re: IRS Announces new 401(k) contribution max for 2015 ($18,

Thanks! If only IRAs would catch up or have the same limits.
by abuss368
Thu Oct 23, 2014 10:34 pm
 
Forum: Investing - Theory, News & General
Topic: IRS Announces new 401(k) contribution max for 2015 ($18,000)
Replies: 50
Views: 7104

Re: Rebalancing with dividends

I am rebalancing our AA in taxable account with new money from RMD and also by directing all dividend income from tax-inefficient funds, bond funds, into Vanguard TSM. I often see in these forums advice to accumulate dividends and invest in lum sum. Can someone explain why this better than buying r...
by abuss368
Thu Oct 23, 2014 2:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing with dividends
Replies: 9
Views: 1209

Re: Do all mutual funds have 12b-1 fees?

Vanguard does not charge their Shareholder's 12b-1 fees.
by abuss368
Thu Oct 23, 2014 2:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do all mutual funds have 12b-1 fees?
Replies: 23
Views: 3561

Re: Should I use margin to buy a balanced fund?

Bogleheads have found it to be an important investment principle not to invest of margin. In fact, Jack Bogle has often advised not to invest on margin in many of his interviews and excellent books.

We would be well to follow Mr. Bogle's advice.
by abuss368
Thu Oct 23, 2014 2:19 pm
 
Forum: Investing - Theory, News & General
Topic: Should I use margin to buy a balanced fund?
Replies: 432
Views: 38203

Re: Three Possible Outcomes for Future Investment Returns

My planning assumption is 0% real return. Anything above that is a bonus. if you will be OK with 0% real why not just do CDs, like 10 or 20 years, brokered, and you will get the inflation return with no risk.... Hi ArthurO, I would expect with many portfolio's, an investor runs the risks of having ...
by abuss368
Thu Oct 23, 2014 2:16 pm
 
Forum: Investing - Theory, News & General
Topic: Three Possible Outcomes for Future Investment Returns
Replies: 32
Views: 2312

Re: Why I won't have bond funds

I DO own bond funds but in a smaller proportion than I would like to have for somebody my age. My asset allocation has been approximately 70% stocks and 30% bonds and cash for a while. I feel like I am hanging way out there risk wise. But I share the concerns that others have about bonds, there mig...
by abuss368
Thu Oct 23, 2014 1:47 pm
 
Forum: Investing - Theory, News & General
Topic: Why I won't have bond funds
Replies: 54
Views: 7967

Re: 2 Fund + International?

Hi Put It On The List, That is really a strategy question to your portfolio in general. Essentially one strategy is based on "asset location" where stocks are in one account and bonds in another. The other strategy is "equal location" where basically the same funds are in the sam...
by abuss368
Wed Oct 22, 2014 2:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: 2 Fund + International?
Replies: 13
Views: 861

Re: Bond fund, why such high returns?

I was planning to invest in the following european bond fund: https://www.justetf.com/ch-en/etf-profile.html?region=Europe&index=EuroMTS%2BInvestment%2BGrade%2BEurozone%2BGovernment%2BBond&assetClass=class-bonds&distributionPolicy=distributionPolicy-accumulating&isin=FR0010028860&am...
by abuss368
Wed Oct 22, 2014 1:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond fund, why such high returns?
Replies: 13
Views: 1581

Re: Sold all my individual stocks, but....

Congrats. It is important not to becomes emotionally attached to individual stocks.

You are now on your way to becoming a Boglehead.
by abuss368
Wed Oct 22, 2014 1:40 pm
 
Forum: Investing - Theory, News & General
Topic: Sold all my individual stocks, but....
Replies: 5
Views: 893

Re: Why include International Index in AA?

I have been wondering about why to invest part of my AA in International stocks (VGTSX). I was reading up on the three fund portfolio and this was one thing I couldn't quite get my head around. It seems to me that most of the holdings in a broad US based index fund (VTSMX) contain companies that ha...
by abuss368
Wed Oct 22, 2014 1:39 pm
 
Forum: Investing - Theory, News & General
Topic: Why include International Index in AA?
Replies: 39
Views: 2769

Re: Vanguard Account Error [Roth gone missing]

I received a message from Vanguard late last week that their annual purge of $0 balance accounts would be deleted from the system over this past weekend. I logged on to check and our accounts were cleaned up. However, the same thing happened to us where accounts were "missing" for the mome...
by abuss368
Wed Oct 22, 2014 9:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Account Error [Roth gone missing]
Replies: 10
Views: 1149

Re: Write-off capital loss against capital gains?

The advice from your CPA is correct. You can deduct up to $3,000 per year in capital losses against ordinary income. The unused portion rolls forward indefinitely. I am aware of taxpayers who are still deducting $3,000 capital losses left over from the technology boom in 2000!
by abuss368
Wed Oct 22, 2014 9:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Write-off capital loss against capital gains?
Replies: 27
Views: 1266

Re: Bonds in taxable or tax advantaged?

The best portfolio is the one that works for you and allows you to stay the course.
by abuss368
Wed Oct 22, 2014 9:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Bonds in taxable or tax advantaged?
Replies: 9
Views: 875

Re: What Are We Doing To Our Young Investors?

This is really interesting and unfortunate.

Spreading the Boglehead message one investor at a time can continue to make a difference!
by abuss368
Tue Oct 21, 2014 5:23 pm
 
Forum: Investing - Theory, News & General
Topic: What Are We Doing To Our Young Investors?
Replies: 29
Views: 4147

Re: 529 Strategies

Consider Vanguard's website for additional 529 Plan information. I would also reach out and contact Vanguard directly. My experience was they were very helpful during the entire 529 Plan process.

Best.
by abuss368
Tue Oct 21, 2014 4:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529 Strategies
Replies: 3
Views: 648

Re: Bonds in taxable or tax advantaged?

That is really a strategy question to your portfolio in general. Essentially one strategy is based on "asset location" where stocks are in one account and bonds in another. The other strategy is "equal location" where basically the same funds are in the same accounts. There may b...
by abuss368
Tue Oct 21, 2014 4:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bonds in taxable or tax advantaged?
Replies: 9
Views: 875

Re: US REITs: An Expanding Market

To anyone who may be interested in expanding their education and knowledge of REITs, I recommend the excellent book "Investing in REITs" by Ralph Block. I recently purchased the 4th edition (I previously read the 3rd edition many years ago before the Great Recession) and it is well worth t...
by abuss368
Tue Oct 21, 2014 4:32 pm
 
Forum: Investing - Theory, News & General
Topic: US REITs: An Expanding Market
Replies: 29
Views: 4015

Re: TBM too much treasury?

I believe when most investing experts disagree, it probably does not matter much.
by abuss368
Tue Oct 21, 2014 4:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: TBM too much treasury?
Replies: 67
Views: 4366

Re: Why I won't have bond funds

I did read this article earlier today. I am not aware of many investors who have the stomach for that. Second, I found during the Great Recession that having bond funds provided a pool of funds that allowed us to rebalance into equities (along with fresh funds). Looking back, it was an excellent str...
by abuss368
Tue Oct 21, 2014 10:55 am
 
Forum: Investing - Theory, News & General
Topic: Why I won't have bond funds
Replies: 54
Views: 7967

Re: Advice sought for $6M investment

Haha, Jazztonight. It's real. I went to this forum because right now most everything is just seating in <1% savings accounts. I did move a little money (relatively) in an online portfolio just to get a feel for what it is (like seeing it shrinking over the last 2 weeks!). The world of investment is...
by abuss368
Tue Oct 21, 2014 10:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice sought for $6M investment
Replies: 36
Views: 3714

Re: Advice sought for $6M investment

lapuce wrote:Some colleagues went the "active" road with Merril Lynch and the likes, and they get calls pitching them to move into this new this or that. I don't buy it.


Hi lapuce,

If "Mother Merrill" comes a knocking don't go walking....run!!!

Best.
by abuss368
Tue Oct 21, 2014 10:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice sought for $6M investment
Replies: 36
Views: 3714

Re: Advice sought for $6M investment

Congrats on your financial success!
by abuss368
Mon Oct 20, 2014 12:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice sought for $6M investment
Replies: 36
Views: 3714

Re: Bond funds the experts recommend.

Bogleheads: When I am uncertain what to do, I listen to expert recommendations: William Bernstein -- Total Bond Market Jack Bogle -- Total Bond Market with Corporate Bonds Harry Browne -- Vanguard Long-Term Government Bond Rick Ferri -- Total Bond Market Harry Markowitz -- Total Bond Market Allan R...
by abuss368
Sun Oct 19, 2014 10:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: TBM too much treasury?
Replies: 67
Views: 4366

Re: My Anniversary [as Vanguard investor]

That is great and nice to hear from the company that Jack Bogle built!
by abuss368
Sun Oct 19, 2014 10:38 pm
 
Forum: Personal Consumer Issues
Topic: My Anniversary [as Vanguard investor]
Replies: 3
Views: 624

Re: Employer Profit Sharing Plan - High Fees!

The plan is not a 401(k), but rather a Profit Sharing Plan. You receive the contribution from the employer regardless of if you contribute funds.
by abuss368
Sat Oct 18, 2014 9:09 am
 
Forum: Investing - Theory, News & General
Topic: Employer Profit Sharing Plan - High Fees!
Replies: 5
Views: 436

Re: Employer Profit Sharing Plan - High Fees!

I should be with my employer the rest of my career. I have selected the lowest cost investment at 1% which is a Vanguard Target Fund. Not a mutual fund but repackaged by the insurance company. Then there is at least another .25 charged to our accounts. Besides the Vanguard Roth IRA, this is the only...
by abuss368
Sat Oct 18, 2014 8:19 am
 
Forum: Investing - Theory, News & General
Topic: Employer Profit Sharing Plan - High Fees!
Replies: 5
Views: 436

Employer Profit Sharing Plan - High Fees!

Bogleheads, I have a question regarding our employer profit sharing plan: * Not mutual funds but unit trusts * Insurance company - Transamerica * Traditional or Roth options * High fees of 1.25% or more * Employer makes profit sharing contributions each year even if employee contributions are $0. * ...
by abuss368
Fri Oct 17, 2014 11:26 pm
 
Forum: Investing - Theory, News & General
Topic: Employer Profit Sharing Plan - High Fees!
Replies: 5
Views: 436

Re: US REITs: An Expanding Market

I am not capable of outguessing what the market determines to be the "proper" valuation. Valuations for both bonds and equities may be inflated as a function of QE, but that tells me nothing about what will happen next for interest rates, and we know REITs are interest rate sensitive. Sim...
by abuss368
Fri Oct 17, 2014 10:05 pm
 
Forum: Investing - Theory, News & General
Topic: US REITs: An Expanding Market
Replies: 29
Views: 4015

Re: Tax Loss Harvesting VTIAX

Why not simply realize the losses and wait 31 days to take the position. This period of time will not even be a blip on the radar over the long term.

Keep investing simple.
by abuss368
Fri Oct 17, 2014 2:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting VTIAX
Replies: 18
Views: 1273

Re: Livesoft - Thank you

I have always enjoyed posts from Livesoft.

Stay the course!
by abuss368
Fri Oct 17, 2014 2:45 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Livesoft - Thank you
Replies: 37
Views: 4115

Re: TBM too much treasury?

As soon as there is market trauma Treasuries are invaluable in a portfolio and investors can not get enough.
by abuss368
Fri Oct 17, 2014 2:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: TBM too much treasury?
Replies: 67
Views: 4366

Re: The important things.

I have learned that any good low cost, diversified, intermediate term bond fund will provide safety and income to a portfolio. Abuss: That is also my conclusion. When experts disagree it is often because there is little (if any) foreseeable difference. Knowledgeable investors concentrate on the imp...
by abuss368
Fri Oct 17, 2014 2:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: TBM too much treasury?
Replies: 67
Views: 4366

Re: US REITs: An Expanding Market

fwiw Long term REIT earnings grow minus 1.5% in REAL terms So using a Gordon discount model and assuming say 3% div would give you about 1.5% real expected return, awfully low IMO for equity risks People chasing anything with yield drives prices until.... Larry Hi Larry, I would like to ask if you ...
by abuss368
Fri Oct 17, 2014 2:43 pm
 
Forum: Investing - Theory, News & General
Topic: US REITs: An Expanding Market
Replies: 29
Views: 4015

Re: Three fund allocation per Vanguard Flagship CFP?

I will try to stay on the topic of my original post. Spoke with a close friend who also sold their home this year. They are 64 and planning to retire in 5 years and want to increase retirement assets. They currently have $150K in IRA at Fidelity. They deposited $700,000 into Vanguard taxable accoun...
by abuss368
Fri Oct 17, 2014 10:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Three fund allocation per Vanguard Flagship CFP?
Replies: 45
Views: 4760

Re: lump sum [How to invest?]

I'm struggling over how to invest a 500k lump sum (pension). One advisor says Jackson Annuity with a 5% guarantee (3-3.5% cost per year). Last year Jackson made 24%. Our other advisor says Edward Jones IRA with a guarantee. That guarantee is 5%, or the market, whichever is higher. (One time 2.5% co...
by abuss368
Fri Oct 17, 2014 10:21 am
 
Forum: Investing - Help with Personal Investments
Topic: lump sum [How to invest?]
Replies: 5
Views: 651

Re: US REITs: An Expanding Market

Here is a helpful report by S&P on the expanding US REITs market. REITs: Making Property Accessible Rick Ferri Hi Rick, A very nice summary of the REIT industry and the growth of it since 1990's (i.e. 1960 REIT Act). REITs have come a long way and it appears as if the next big growth aspect of ...
by abuss368
Fri Oct 17, 2014 10:20 am
 
Forum: Investing - Theory, News & General
Topic: US REITs: An Expanding Market
Replies: 29
Views: 4015
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