Search found 5659 matches

Return to advanced search

Re: Investments/Allocations

Warren Buffett writes in his annual letter to Shareholders about the magic of dividends. In the most recent letter, he noted that the "big four" for Berkshire (i.e. IBM, Coca Cola, American Express, and Wells Fargo) paid $1.4 BILLION in dividends.

That is clearly no illusion!
by abuss368
Tue Apr 15, 2014 2:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investments/Allocations
Replies: 11
Views: 603

Re: TIAA-CREF is buying Nuveen?

I did see this and I was not sure what to make of it. A "not for profit" buying a "for profit"! Interesting. That is incorrect. TIAA-CREF became a private, for profit company in 1998. The change occurred due to industry complaints (Vanguard and Fidelity amongst others) that TIAA...
by abuss368
Tue Apr 15, 2014 2:41 pm
 
Forum: Investing - Theory, News & General
Topic: TIAA-CREF is buying Nuveen?
Replies: 41
Views: 2036

Re: A portfolio with a 7% yield? Your thoughts?

I learned a long time ago that higher yield almost always means higher risks!
by abuss368
Tue Apr 15, 2014 2:39 pm
 
Forum: Investing - Theory, News & General
Topic: A portfolio with a 7% yield? Your thoughts?
Replies: 9
Views: 887

Re: Stocks: How Bad It Can Get

That chart is incredible and really puts investing in perspective. If all funds drop on average as reflected in the graph, why is there a need for multiple mutual funds in a portfolio? Would not one or two equity funds (i.e. Three Fund Portfolio) work just fine? In addition, with a fund or two, new ...
by abuss368
Tue Apr 15, 2014 12:09 pm
 
Forum: Investing - Theory, News & General
Topic: Stocks: How Bad It Can Get
Replies: 59
Views: 4263

Re: Stocks: How Bad It Can Get

Sheepdog wrote:
ginmqi wrote:As a young investor in my infancy years of investing, I can't wait for another financial crisis. 60-80% drop for next 2-3 years? I can only hope. :wink:

Before you know it, young investor, you will be retired and think 100% different. :annoyed


Good point.
by abuss368
Tue Apr 15, 2014 12:07 pm
 
Forum: Investing - Theory, News & General
Topic: Stocks: How Bad It Can Get
Replies: 59
Views: 4263

Re: Asset location question

See Rick Ferri's excellent recent post on this exact subject - asset location versus equal location. You can find it on his website: http://www.rickferri.com
by abuss368
Tue Apr 15, 2014 11:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Asset location question
Replies: 4
Views: 178

Re: IRA Contributions AFTER 70 1/2 years of age??

My understanding is an employer retirement plan must follow the plan document. It is difficult to answer retirement plan questions as we do not have the correct documentation and every plan is unique.
by abuss368
Tue Apr 15, 2014 11:57 am
 
Forum: Investing - Help with Personal Investments
Topic: IRA Contributions AFTER 70 1/2 years of age??
Replies: 12
Views: 710

Re: TV show recommendations?

Is it just me or does shows like NCIS (like CSI) just seem to get old with the typical crime, science, solved, etc.?
by abuss368
Tue Apr 15, 2014 11:13 am
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 200
Views: 14090

Re: Life Insurance Policy Necessary for 25 year old?

If you would like to expand your post you may receive some excellent investing advice. Perhaps a new thread would be more focused too.

You noted you are a Three Fund Portfolio investor? I presume Total Stock, Total International, and Total Bond?
by abuss368
Tue Apr 15, 2014 11:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Life Insurance Policy Necessary for 25 year old?
Replies: 9
Views: 523

Re: IRA Contributions AFTER 70 1/2 years of age??

My understanding is not to a Traditional IRA as RMD (i.e. Required Minimum Distributions) must begin.

A contribution to a Roth IRA is allowable if you have earned income.
by abuss368
Tue Apr 15, 2014 11:08 am
 
Forum: Investing - Help with Personal Investments
Topic: IRA Contributions AFTER 70 1/2 years of age??
Replies: 12
Views: 710

Re: Favorite Investing Book?

Any book by Jack Bogle! I really enjoyed "Bogle on Mutual Funds" and also "Common Sense on Mutual Funds". However, I hold a special place for "The Little Book of Common Sense Investing". I also enjoyed Jack Brennan's book "Plain Talk on Investing". David Swens...
by abuss368
Tue Apr 15, 2014 11:06 am
 
Forum: Investing - Theory, News & General
Topic: Favorite Investing Book?
Replies: 42
Views: 2923

Re: Jack on Bloomberg Today...

Thank you for the update. I will look for it later on.
by abuss368
Tue Apr 15, 2014 11:02 am
 
Forum: Investing - Theory, News & General
Topic: Jack on Bloomberg Today...
Replies: 10
Views: 1177

Re: New homeowner: lawn care advice

We have a gas powered lawn mower so I can't help you there. Many years ago we purchased a cordless battery trimmer from Black & Decker at The Home Depot. This trimmer has worked very well and I would definitely buy another one. The charge lasts a long time. We have used the Scott's Lawn Care 4 o...
by abuss368
Tue Apr 15, 2014 11:02 am
 
Forum: Personal Consumer Issues
Topic: New homeowner: lawn care advice
Replies: 44
Views: 2579

Re: TIAA-CREF is buying Nuveen?

I did see this and I was not sure what to make of it. A "not for profit" buying a "for profit"! Interesting.
by abuss368
Tue Apr 15, 2014 11:00 am
 
Forum: Investing - Theory, News & General
Topic: TIAA-CREF is buying Nuveen?
Replies: 41
Views: 2036

Re: Life Insurance Policy Necessary for 25 year old?

I do not like mixing investing with insurance as whole life and universal life policies typically do. The only exception that appears reasonable from my experience is possibly a high net worth individual or small business owner for estate tax liabilities and considerations. Most advice on the forum ...
by abuss368
Tue Apr 15, 2014 10:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Life Insurance Policy Necessary for 25 year old?
Replies: 9
Views: 523

Re: Investments/Allocations

joe8d wrote:Lets see: Retired, 50/50,7 figure balance,all funds distribute divs.

Looks good to me.


That is a criteria of ours - cash flow from dividends! TIPS Bond funds no longer provide that.

I like your four fund portfolio. You can add REITs for even more cash flow from dividends.
by abuss368
Mon Apr 14, 2014 10:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investments/Allocations
Replies: 11
Views: 603

Re: My financial advisor doubt

After many years, different "advisors", and many investment "houses", we found that moving everything to Vanguard was the best financial decision we ever made.

Own 3 - 6 low cost and total market index funds and nothing else is "needed" ever!

Keep investing simple.
by abuss368
Mon Apr 14, 2014 8:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: My financial advisor doubt
Replies: 28
Views: 3103

Re: Answer to Don's question.

Hi Taylor Just curious, do you subscribe to IBD ? I like to read most of the paper, just not the trader stuff. Thanks Don Don: I subscribed to IBD and nearly every other financial publication in my earlier unsuccessful attempts to beat the market. Today my only financial subscription is Kiplinger w...
by abuss368
Mon Apr 14, 2014 8:45 pm
 
Forum: Investing - Theory, News & General
Topic: IBD's interview John Bogle [Investor's Business Daily]
Replies: 24
Views: 1866

Re: Investments/Allocations

Hi Bob, You have a very diversified portfolio utilizing a Total markets approach with core index funds. A handful of index funds is all that is needed. Specifically 3 - 6 index funds tops. If you would like to easily increase the yield of the portfolio without too much additional risk, consider addi...
by abuss368
Mon Apr 14, 2014 8:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investments/Allocations
Replies: 11
Views: 603

Re: Save for 25 years = $1million?

It is a fair question. The best advice you could provide to him at this stage is to save and invest more than he spends. A few low cost index funds and let compounding do it's magic. A few of the online calculators would provide a rough idea too. I would buy him one or two simple and very good inves...
by abuss368
Mon Apr 14, 2014 5:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Save for 25 years = $1million?
Replies: 22
Views: 3919

Re: Young doctor, taking over my own investments...

1) Cash - cash is king. Never a bad idea to hold a fair amount of cash as an emergency fund and peace of mind to sleep at night. 2) Roth IRA - is this with Vanguard? If not, consider a direct transfer to Vanguard as they are the only client owned firm offering the lowest fees to the individual inves...
by abuss368
Mon Apr 14, 2014 4:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Young doctor, taking over my own investments...
Replies: 24
Views: 2457

Re: Does Mint.com randomly access your account?

I have never used Mint.com but I used Quicken for many years. I was never comfortable with the whole download and login process. I never entered financial account numbers, login, and password information. It just did not pass my "sleep test". For us, it no longer matters as we do not use Q...
by abuss368
Mon Apr 14, 2014 4:42 pm
 
Forum: Personal Consumer Issues
Topic: Does Mint.com randomly access your account?
Replies: 25
Views: 1884

Re: Tax deductions from charities

If you itemize your deductions, donation to charities are generally deductible.

The deduction may be limited to 50% of your AGI, however it does carry forward for 5 years.
by abuss368
Sat Apr 12, 2014 2:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax deductions from charities
Replies: 31
Views: 1592

Re: Asset location strategies for taxes are OK; but not grea

This has been an excellent article by Rick and the responses just as good too. This is what makes the forum such a great place.
by abuss368
Sat Apr 12, 2014 2:33 pm
 
Forum: Investing - Theory, News & General
Topic: Asset location strategies for taxes are OK; but not great
Replies: 27
Views: 2557

Re: Why does Vanguard use average return iso compound annual

Not sure. Personally for any investment question or information I am looking for, Vanguard's website has always had more information than I could ever need.
by abuss368
Sat Apr 12, 2014 2:32 pm
 
Forum: Investing - Theory, News & General
Topic: Why does Vanguard use average return iso compound annual?
Replies: 81
Views: 3502

Re: Can I get some alpha? (DFA / Wealthfront)

I never got caught up in any of that but preferred to follow Jack Bogle's advice and simply "own the market".
by abuss368
Sat Apr 12, 2014 2:29 pm
 
Forum: Investing - Theory, News & General
Topic: Can I get some alpha? (DFA / Wealthfront)
Replies: 58
Views: 2823

Re: Stock markets in free fall?

Has anyone noticed that the S&P 500 has plummeted to levels not seen since February 10, 2014? L. :wink: To me this is no "plummet". Now 2007 - 2009 was a plummet and I am sure the folks who invested during the Great Depression would have a whole different perspective to share. If this...
by abuss368
Sat Apr 12, 2014 2:28 pm
 
Forum: Investing - Theory, News & General
Topic: Stock markets in free fall?
Replies: 92
Views: 6447

Re: My Investment Policy Statement

DualIncomeNoDebt wrote:
Citizens of Japan would like a word with you . . . .

Image


That chart is priceless and it really puts everything in perspective.
by abuss368
Sat Apr 12, 2014 2:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: My Investment Policy Statement
Replies: 13
Views: 858

Re: Worth $1.6m but clueless on investments

I think overall you are off to an excellent start especially considering your ages. Individual Stocks - I would consider removing the individual stocks as many advisors have noted that you can not diversify away the risks and that one is not typically rewarded for the risks involved. Cash - Holding ...
by abuss368
Sat Apr 12, 2014 2:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Worth $1.6m but clueless on investments
Replies: 15
Views: 3360

Re: I saw a "Boglehead" on my flight yesterday!

That is a nice story and always good to hear. Thank you for sharing.
by abuss368
Sat Apr 12, 2014 2:16 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: I saw a "Boglehead" on my flight yesterday!
Replies: 61
Views: 7043

Re: I have a cell phone and am in search of a carrier

I have used both Verizon and AT&T and both are reliable and very good. I like how AT&T allows unused minutes to rollover.
by abuss368
Sat Apr 12, 2014 2:14 pm
 
Forum: Personal Consumer Issues
Topic: I have a cell phone and am in search of a carrier
Replies: 24
Views: 1213

Re: My Investment Policy Statement

I think overall it looks good and very reasonable.

Benjamin Graham, the mentor to Warren Buffett has noted that investors should not hold less than 25% in bonds. Jack Bogle will recommend "age in bonds" or "age less 10 in bonds" something that increases over time.
by abuss368
Sat Apr 12, 2014 2:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: My Investment Policy Statement
Replies: 13
Views: 858

Re: Investing in REIT for a future house?

I think you would be crazy to invest any home down payment in the equity markets. Warren Buffett has often said that if one does not have at least 10 years they should not invest in the stock markets.

Your home down payment money should be in a safe investment such as a short term bond fund.
by abuss368
Sat Apr 12, 2014 2:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing in REIT for a future house?
Replies: 4
Views: 397

Re: Reits in VTSMX?

I also like the idea of having the Vanguard TR as the only fund you need and that's why I wish they would include the REIT index fund in the mix to somewhat increase the real estate allocation from the minuscule percentage that's in VTSMX. I understand your point. Overall however, the Vanguard Targ...
by abuss368
Sat Apr 12, 2014 2:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reits in VTSMX?
Replies: 7
Views: 394

Re: Retirement Check

3) Traditional IRA - any way to convert in small amounts to your existing Roth IRA over time while your income is low? He wrote "IRA" but then specified TSP funds. I wonder if he is using IRA and TSP interchangeably. If it is TSP, you cannot convert to Roth, at least not now. Victoria Goo...
by abuss368
Sat Apr 12, 2014 2:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Check
Replies: 12
Views: 1177

Re: Vanguard S&P 500 vs Total Stock

Total Stock Market Index = 500 Index + Extended Market Index The 500 Index is the most tax efficient of the three. The Extended Market Index has better returns of the three... even after taxes. The S&P Index 500 fund is the most tax efficient? I was always under the impression that Total Stock ...
by abuss368
Sat Apr 12, 2014 1:16 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard S&P 500 vs Total Stock
Replies: 17
Views: 2867

Re: Reits in VTSMX?

Many people like the simplicity and automatic re-balancing of a target retirement fund. Do you feel that the Vanguard TR funds should include the REIT index fund as a separate part of their equity allocation? My guess is as good as yours. Many retirements funds that are available include REITs. I d...
by abuss368
Sat Apr 12, 2014 1:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reits in VTSMX?
Replies: 7
Views: 394

Re: Retirement Check

1) Is there any way to lower your monthly expenses? 2) $1.4 MILLION - 50% in taxable accounts is approximately $700,000. 60% in bonds for taxable is $420,000. If this was invested in the Vanguard Intermediate Term Tax Exempt Bond Fund the cash flow from dividends would be approximately $13,000 plus ...
by abuss368
Sat Apr 12, 2014 1:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Check
Replies: 12
Views: 1177

Re: Bernstein "blasts financial industry, backs 3-fnd portfo

It is interesting that Bernstein has changed from being a tilter to a 3 fund guy. Rick Ferri has also stated that as he gets older that he becomes more and more convinced of the virtue of the 3 fund portfolio. Ferri's book All About Asset Allocation recommends tilting. So two guys that I really res...
by abuss368
Sat Apr 12, 2014 12:55 pm
 
Forum: Investing - Theory, News & General
Topic: Bernstein "blasts financial industry, backs 3-fnd portfolio"
Replies: 15
Views: 3710

Re: Transitioning From Commissioned Adviser (& non-traded RE

They appear to have the assets at $2.9 MILLION and that is excellent. Most of it is tied up in illiquid cropland. The goal now is to clean up the investment accounts and start to realize a cash flow stream for retirement. The Three Fund Portfolio would do this. Perhaps the addition of US and Interna...
by abuss368
Sat Apr 12, 2014 12:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Transitioning From Commissioned Adviser (& non-traded REITs)
Replies: 10
Views: 506

Re: Help w/simplifying our accounts and emergency fund

Open taxable account at Vanguard with remaining $40,000, allocated 50/50 between Total Stock and Total Bond Generally speaking an investor should not hold a taxable bond fund such as the Vanguard Total Bond Market Index fund in a taxable account. Most times this fund is best placed in a tax advanta...
by abuss368
Sat Apr 12, 2014 12:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help w/simplifying our accounts and emergency fund
Replies: 22
Views: 1913

Re: New TV or Sound bar?

That is the "thing". Many televisions today are not expense and provide a variety of USB ports.
by abuss368
Sat Apr 12, 2014 12:43 pm
 
Forum: Personal Consumer Issues
Topic: New TV or Sound bar?
Replies: 35
Views: 1682

Re: Reits in VTSMX?

Many financial advisors include reits in their suggested equity allocation. I know that Vanguard has a REIT index fund. I was wondering if the Vanguard Total Stock Market Index Fund contains Reits to any appreciable extent. Hi devotee, Correct. The Vanguard Total Stock Market Index Fund contains th...
by abuss368
Sat Apr 12, 2014 12:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reits in VTSMX?
Replies: 7
Views: 394

Re: Tax audit poll

Simple: If a taxpayer does not have support for a deduction, it should not be reported on a tax return!
by abuss368
Fri Apr 11, 2014 5:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax audit poll
Replies: 19
Views: 918

Re: Vanguard app for iPad

Thanks. For whatever reason I always go directly to the website.
by abuss368
Fri Apr 11, 2014 5:23 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard app for iPad
Replies: 32
Views: 4725

Re: Vanguard S&P 500 vs Total Stock

Jack Bogle has written in his many excellent books how the performance of the S&P 500 Index fund and the Total Stock Market Index fund has been very close. He noted in one book that the results sometimes even puzzle him. As a bit of financial history, the S&P 500 Index fund was the first ind...
by abuss368
Fri Apr 11, 2014 5:23 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard S&P 500 vs Total Stock
Replies: 17
Views: 2867

Re: What Book Are You Currently Reading? Part V

I am thinking I am in the frame of mind to begin one of Jack Bogle's books that I have not yet read.
by abuss368
Fri Apr 11, 2014 5:16 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 2616
Views: 591946

Re: The Three Fund Portfolio

Thanks for all the opinions/advice. Only reason I'm anxious about bonds is simply due to the fact that I'm a new investor and I know that I do not know enough about bonds at this point. And so I'd like to learn more before I put my money into them. I think I understand equity assets enough at this ...
by abuss368
Fri Apr 11, 2014 5:16 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 738
Views: 254581

Re: Transitioning From Commissioned Adviser (& non-traded RE

If they want REITs in the future, consider the Vanguard US REIT Index Fund and also the International REIT / Real Estate fund.
by abuss368
Fri Apr 11, 2014 4:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Transitioning From Commissioned Adviser (& non-traded REITs)
Replies: 10
Views: 506

Re: REITS up (Still impossible to time the mkt)

Short-term market movements are completely unpredictable. Think back to 1998. Tech stocks were expensive relative to their fundamentals. An investor could have very reasonably avoided tech companies altogether. But that bet wouldn't have paid off for another three years, as tech stocks got even mor...
by abuss368
Fri Apr 11, 2014 4:42 pm
 
Forum: Investing - Theory, News & General
Topic: REITS up (Still impossible to time the mkt)
Replies: 13
Views: 1883
Next

Return to advanced search