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Re: Does anyone have 'Lazy Portfolios'?

I am a newer Boglehead. I have a pretty straight line "3 fund portfolio". Age 43, 65% stocks/35% bonds. Taxable accounts: 45% VTSAX, 20% VTIAX, 35% VWIUX (Int-Term Tax-Exempt Bonds) Tax sheltered: 45% VTSAX, 20% VTIAX, 35% VBTLX I thought about TIPS and REIT, but Taylor Larimore was helpf...
by abuss368
Fri Aug 29, 2014 8:40 pm
 
Forum: Investing - Theory, News & General
Topic: Does anyone have 'Lazy Portfolios'?
Replies: 37
Views: 1750

Re: I'd buy an S&P 500 index fund in a pinch

Hi Rick,

Excellent article on your website. I remember years ago how the S&P 500 was the talk of the town for an investor's U.S. holdings. How times have changed! I agree that it is a fine fund when compared to many other options.

Best.
by abuss368
Fri Aug 29, 2014 3:39 pm
 
Forum: Investing - Theory, News & General
Topic: I'd buy an S&P 500 index fund in a pinch
Replies: 27
Views: 2872

Re: Donald Trump - The Apprentice

I worked at a bank that in the same year extended loans to Pan Am and Trump. I asked at the time why we wanted to throw money down the toilet, but I was in software development and nobody listened to me. I'm pretty sure that Trump has never paid back 100 cents on the dollar. Wow! You worked for the...
by abuss368
Fri Aug 29, 2014 2:27 pm
 
Forum: Personal Consumer Issues
Topic: Donald Trump - The Apprentice
Replies: 23
Views: 1317

Re: Poll: How many own zero/few stocks?

Some target date funds are funds of index funds - like Vanguard's LifeStrategy funds and TargetRetirement Date Funds. However other target date funds may contain underlying managed funds. So it depends on the provider. You can usually tell by the expense ratio. :P Hi Meg77, I believe Fidelity's Tar...
by abuss368
Fri Aug 29, 2014 2:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: [Sell off individual stocks?] How many own zero/few stocks?
Replies: 63
Views: 2178

Re: Poll: How many own zero/few stocks?

nobsinvestor wrote:
Why subject 5% of your portfolio to uncompensated risk and losses?


Please see Jack Bogle's excellent book "The Little Book of Common Sense Investing". Near the end of the book, Mr. Bogle outlines many points to consider. The 5% in individual stocks was one of them.

Best.
by abuss368
Fri Aug 29, 2014 2:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: [Sell off individual stocks?] How many own zero/few stocks?
Replies: 63
Views: 2178

Re: Poll: How many own zero/few stocks?

nobsinvestor wrote:
Make investing more interesting? Good investing is supposed to be more boring than watching paint dry :D


An excellent quote that Warren Buffett has said time and again!
by abuss368
Fri Aug 29, 2014 2:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: [Sell off individual stocks?] How many own zero/few stocks?
Replies: 63
Views: 2178

Re: Donald Trump - The Apprentice

I worked at a bank that in the same year extended loans to Pan Am and Trump. I asked at the time why we wanted to throw money down the toilet, but I was in software development and nobody listened to me. I'm pretty sure that Trump has never paid back 100 cents on the dollar. Wow! You worked for the...
by abuss368
Fri Aug 29, 2014 2:20 pm
 
Forum: Personal Consumer Issues
Topic: Donald Trump - The Apprentice
Replies: 23
Views: 1317

Re: Poll: How many own zero/few stocks?

I would say there is no need to select individual stocks. One is not compensated for the risks involved. The last time we owned an individual stock was 2008. 6 years have passed real quick. I do not see the need for us to own them. If you really want to hold an individual stock to make investing mor...
by abuss368
Fri Aug 29, 2014 12:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: [Sell off individual stocks?] How many own zero/few stocks?
Replies: 63
Views: 2178

Re: Poll: How many own zero/few stocks?

SuperSaver wrote:3) My 3 largest equities have out-performed the market handsomely since purchased in late 1990s. I'd hate to sell my "winners".


That may be the way the chips fell but please do not think one has superior stock picking ability. One could just as easily select stocks that underperformed.
by abuss368
Fri Aug 29, 2014 12:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: [Sell off individual stocks?] How many own zero/few stocks?
Replies: 63
Views: 2178

Re: Poll: How many own zero/few stocks?

gkaplan wrote:What poll?


Gordon, do you still own stocks?
by abuss368
Fri Aug 29, 2014 12:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: [Sell off individual stocks?] How many own zero/few stocks?
Replies: 63
Views: 2178

Re: Protecting one's bank account from PayPal

Knock on wood we have never had an issue with Paypal. We recently called them as they still had an old cancelled credit card on our account listing and we could not remove it. The customer service representative was able to. While we were on the telephone, I inquired if we could remove the bank acco...
by abuss368
Fri Aug 29, 2014 11:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Protecting one's bank account from PayPal
Replies: 25
Views: 1934

Re: Donald Trump - The Apprentice

baw703916 wrote:How about one where John Bogle fires active managers if they can't beat the market after expenses? :twisted:


That would be a great reality TV show. Vanguard should consider for their YouTube channel.
by abuss368
Fri Aug 29, 2014 10:58 am
 
Forum: Personal Consumer Issues
Topic: Donald Trump - The Apprentice
Replies: 23
Views: 1317

Re: Donald Trump - The Apprentice

Oh no! 95% of Bogleheads on this thread do not watch "The Donald's" show!
by abuss368
Thu Aug 28, 2014 11:49 pm
 
Forum: Personal Consumer Issues
Topic: Donald Trump - The Apprentice
Replies: 23
Views: 1317

Re: Donald Trump - The Apprentice

joe8d wrote:More interested in his current bidding to become the new owner of the Buffalo Bills.


I watched an interview he just did on Fox where he discussed that. Interesting considering his history with the USFL.
by abuss368
Thu Aug 28, 2014 11:48 pm
 
Forum: Personal Consumer Issues
Topic: Donald Trump - The Apprentice
Replies: 23
Views: 1317

Re: Berkshire Hathaway Inc. or a Vanguard Variable Annuity

It appears you have a made a decision on strategy. Some good advice has been provided on this thread. I would execute your plan.

Best.
by abuss368
Thu Aug 28, 2014 4:57 pm
 
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway Inc. or a Vanguard Variable Annuity
Replies: 32
Views: 1866

Re: Total International Bond Index Fund

I just don't know anymore. Vanguard is really marketing this fund. The fund assets are over $25 BILLION now and going to pass the Intermediate Term TIPS fund soon. I expect this fund to become the second largest Vanguard bond fund very soon. I suspect a large share of the fund's assets have to do w...
by abuss368
Thu Aug 28, 2014 4:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total International Bond Index Fund
Replies: 36
Views: 2618

Re: International allocation

I don't understand why I would want to own Ford and Chevy but would want to skip Toyota, Honda and BMW if I can easily and cheaply own them all. This would make a great signature! I say this all the time when I hear US (or home country only). To me it makes no sense. And with "inversions"...
by abuss368
Thu Aug 28, 2014 4:48 pm
 
Forum: Investing - Theory, News & General
Topic: International allocation
Replies: 73
Views: 3985

Re: "The Boglehead Investment Philosophy" is nearly timeless

Taylor Larimore wrote:
abuss368 wrote:Is anyone aware if The Bogleheads a) will be updating the Retirement Guide and b) plan on writing any additional books or updates?

Abuss:

I am unaware of additional Boglehead books or updates. The Boglehead Investment Philosophy is nearly timeless.

Best wishes.
Taylor


Thanks Taylor!
by abuss368
Thu Aug 28, 2014 4:47 pm
 
Forum: Investing - Theory, News & General
Topic: "The Bogleheads' Guide to Investing -- Second Edition"
Replies: 42
Views: 5989

Re: Total International Bond Index Fund

Good Morningstar article dated 8/28/14 For those interested on joining the international bond fund festivities there is a good article (dated 8/28/14) by Christine Benz-- The Error-Proof Portfolio: 4 Questions to Ask Before Adding International Bonds to Your Portfolio. Thanks for reading. Hi cfs, T...
by abuss368
Thu Aug 28, 2014 4:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total International Bond Index Fund
Replies: 36
Views: 2618

Re: The Three Fund Portfolio

* Automatic rebalancing within each fund. This is one of the benefits that Taylor sites for the 3 Fund Portfolio. If I use the 3 Fund Portfolio, wouldn't I simply rebalance between those three funds?. How could rebalancing "within each fund" have anything to do with my own yearly rebalanc...
by abuss368
Thu Aug 28, 2014 4:46 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 873
Views: 341004

Re: Donald Trump - The Apprentice

I don't have a television. If I did, however, this would be the last thing I would watch. Newton Minow must have meant this when he termed television as a "vast wasteland." Are you serious Gordon? You don't have a television? I thought you had mentioned you had a huge widescreen in anothe...
by abuss368
Thu Aug 28, 2014 4:44 pm
 
Forum: Personal Consumer Issues
Topic: Donald Trump - The Apprentice
Replies: 23
Views: 1317

Re: Donald Trump - The Apprentice

chaz wrote:A waste of time.


I am sorry to hear it is a waste of time for you. "The Donald" is often in rare form!
by abuss368
Thu Aug 28, 2014 4:43 pm
 
Forum: Personal Consumer Issues
Topic: Donald Trump - The Apprentice
Replies: 23
Views: 1317

Re: Donald Trump - The Apprentice

miles monroe wrote:i don't make plans to be at home when it is on, on dvr it, but if i'm home and its on i watch it. it was better before the celebritys got involved.



I agree. I think it was better before celebrities as well. Probably a strategy to increase (or try too) the ratings!
by abuss368
Thu Aug 28, 2014 4:43 pm
 
Forum: Personal Consumer Issues
Topic: Donald Trump - The Apprentice
Replies: 23
Views: 1317

Re: Berkshire Hathaway Inc. or a Vanguard Variable Annuity

I would prefer to invest in Total Stock Index in a taxable account rather than a variable annuity.

Why not a simple and effective taxable account and a small percentage of Berkshire too?
by abuss368
Thu Aug 28, 2014 4:41 pm
 
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway Inc. or a Vanguard Variable Annuity
Replies: 32
Views: 1866

Donald Trump - The Apprentice

I saw a commercial that The Apprentice is returning this fall.

How many Bogleheads watch "The Donald" in action?
by abuss368
Thu Aug 28, 2014 12:48 pm
 
Forum: Personal Consumer Issues
Topic: Donald Trump - The Apprentice
Replies: 23
Views: 1317

Re: If you had an extra $100,000

That's it! I am going to Atlantic City!
by abuss368
Thu Aug 28, 2014 12:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: If you had an extra $100,000
Replies: 43
Views: 3136

Re: Do Bogleheads worry about institutional risk?

nobsinvestor wrote:In a catastrophic scenario (global/US internet is shut down, world war 3, global financial meltdown), logic asks me, in what situation does Vanguard go down and Fidelity doesn't? Seems like we'd all be screwed.


If the financial crisis taught us anything, when one goes, they all will go!
by abuss368
Thu Aug 28, 2014 12:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do Bogleheads worry about institutional risk?
Replies: 31
Views: 1250

Re: Do Bogleheads worry about institutional risk?

There is no consensus so one has to do what makes you sleep well at night.
by abuss368
Thu Aug 28, 2014 12:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do Bogleheads worry about institutional risk?
Replies: 31
Views: 1250

Re: Selling 2 Individual Stocks in a VG Brokerage Roth IRA

1) No tax impact as the securities are held in a Roth IRA.

2) I prefer the separate funds (i.e. Total Stock and Total International) over Total World because of a) Admiral Shares, b) you control the sub-allocation between the two funds, and c) lower expense ratio's.

Best.
by abuss368
Thu Aug 28, 2014 12:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Selling 2 Individual Stocks in a VG Brokerage Roth IRA
Replies: 16
Views: 769

Re: Need some Boglehead advice ...

Either fund is fine. Personally I prefer Total Stock Index for the addition of mid and small caps. Combined they comprise approximately 35% of Total Stock with large caps approximately 65%. However, both funds have tracked each other very closely and Jack Bogle has written on this extensively in his...
by abuss368
Thu Aug 28, 2014 12:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need some Boglehead advice ...
Replies: 14
Views: 1318

Re: Which bed should I buy?

I prefer straw on a dirt ground! Good for the back!
by abuss368
Thu Aug 28, 2014 11:58 am
 
Forum: Personal Consumer Issues
Topic: Which bed should I buy?
Replies: 20
Views: 1541

Re: If you had an extra $100,000

We would probably improve our Balance Sheet and enjoy a little life.

1) 25% to savings and investing
2) 25% to debt reduction
3) 25% to college education for the children
4) 25% to be divided to a small vacation, new furniture if needed, or something. If no need increase the first three choices.
by abuss368
Thu Aug 28, 2014 11:56 am
 
Forum: Personal Finance (Not Investing)
Topic: If you had an extra $100,000
Replies: 43
Views: 3136

Re: What to do with individual stock I received?

On one hand, the stock allocation will become a smaller percentage of your portfolio and net worth over time. If you want to hold an individual stock or two, where is the harm? If anything, it might make things a little more exciting!
by abuss368
Thu Aug 28, 2014 11:53 am
 
Forum: Investing - Help with Personal Investments
Topic: What to do with individual stock I received?
Replies: 42
Views: 1908

Re: Total International Bond Index Fund

No, I guess I didn't make myself clear. My points were that ⋅ UN-hedged "international," "foreign," or "global" bond funds are a completely different kind of beast from a hedged fund like VTIBX, EVEN MORE SO if they invests in bonds of low credit quality; &sd...
by abuss368
Thu Aug 28, 2014 11:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Total International Bond Index Fund
Replies: 36
Views: 2618

Re: "The Bogleheads' Guide to Investing -- Second Edition"

Is anyone aware if The Bogleheads a) will be updating the Retirement Guide and b) plan on writing any additional books?
by abuss368
Thu Aug 28, 2014 11:45 am
 
Forum: Investing - Theory, News & General
Topic: "The Bogleheads' Guide to Investing -- Second Edition"
Replies: 42
Views: 5989

Re: What's "The Herd" doing today?

JonnyDVM wrote:Buy bonds if you want to fade what the investing masses are doing at the moment.


We have been buying more bonds than stocks this year because stocks have been on a tear. We are re-balancing to our asset allocation.
by abuss368
Thu Aug 28, 2014 11:36 am
 
Forum: Investing - Theory, News & General
Topic: What's "The Herd" doing today?
Replies: 52
Views: 3400

Re: What's "The Herd" doing today?

"After the crash, I sold everything, and I'm still in cash. Because the end of the world is nigh." -- my realtor :oops: Wow. Jack Bogle has explained the double hit by following that strategy. First one sells out at the bottom to cash and then misses the rebound. What gets me is the inher...
by abuss368
Thu Aug 28, 2014 11:35 am
 
Forum: Investing - Theory, News & General
Topic: What's "The Herd" doing today?
Replies: 52
Views: 3400

Re: Total International Bond Index Fund

The point is that high-quality bonds are what they are--they are almost a pure financial instrument, divorced from any characteristic of the issuer except whether the issuer is good for the dough. Hi nisiprius, That is an interesting observation. I thought that post was well written and I read it a...
by abuss368
Thu Aug 28, 2014 11:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Total International Bond Index Fund
Replies: 36
Views: 2618

Re: Total International Bond Index Fund

PFOAX, which might be comparable, but it has a 3.75% load and an 0.90% ER. As a side note, I was out in Bill Gross's stomping grounds this summer. With the size and quality of the homes and yacht's on the water where he lives, I now better understanding the impact of load fees and high expense rati...
by abuss368
Thu Aug 28, 2014 11:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Total International Bond Index Fund
Replies: 36
Views: 2618

Re: Total International Bond Index Fund

mbenz1997 wrote:what would be the equivalent on fidelity?


Does anyone know if Fidelity is a) marketing international bonds to the degree Vanguard is, and b) including them in their target fund offerings?

Best.
by abuss368
Thu Aug 28, 2014 11:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Total International Bond Index Fund
Replies: 36
Views: 2618

Re: Total International Bond Index Fund

I just don't know anymore. Vanguard is really marketing this fund. The fund assets are over $25 BILLION now and going to pass the Intermediate Term TIPS fund soon. I expect this fund to become the second largest Vanguard bond fund very soon. I suspect a large share of the fund's assets have to do w...
by abuss368
Thu Aug 28, 2014 12:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Total International Bond Index Fund
Replies: 36
Views: 2618

Re: Total International Bond Index Fund

I just don't know anymore. Vanguard is really marketing this fund. The fund assets are over $25 BILLION now and going to pass the Intermediate Term TIPS fund soon. I expect this fund to become the second largest Vanguard bond fund very soon. I suspect a large share of the fund's assets have to do w...
by abuss368
Wed Aug 27, 2014 9:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total International Bond Index Fund
Replies: 36
Views: 2618

Re: What's "The Herd" doing today?

Buying penny stocks from The Wolf of Wall Street!
by abuss368
Wed Aug 27, 2014 12:50 pm
 
Forum: Investing - Theory, News & General
Topic: What's "The Herd" doing today?
Replies: 52
Views: 3400

Re: What's "The Herd" doing today?

scone wrote:"After the crash, I sold everything, and I'm still in cash. Because the end of the world is nigh." -- my realtor :oops:


Wow. Jack Bogle has explained the double hit by following that strategy. First one sells out at the bottom to cash and then misses the rebound.
by abuss368
Wed Aug 27, 2014 12:46 pm
 
Forum: Investing - Theory, News & General
Topic: What's "The Herd" doing today?
Replies: 52
Views: 3400

Re: Municipal bonds 1y returns - exuberance and caution

We plan to stay the course and continue investing in our Vanguard Intermediate Term Tax Exempt Bond Fund. We have been a shareholder in this fund for a long time and it has worked well.

Thank you Jack Bogle!
by abuss368
Wed Aug 27, 2014 12:45 pm
 
Forum: Investing - Theory, News & General
Topic: Municipal bonds 1y returns - exuberance and caution
Replies: 40
Views: 3529

Re: What's "The Herd" doing today?

MLPs, High Yield Bonds, Emerging Market bonds, etc.
by abuss368
Wed Aug 27, 2014 12:17 pm
 
Forum: Investing - Theory, News & General
Topic: What's "The Herd" doing today?
Replies: 52
Views: 3400

Re: What Book Are You Currently Reading? Part V

Has anyone read any of Donald Trump's books? Are they good, interesting, worth it?
by abuss368
Wed Aug 27, 2014 12:14 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3253
Views: 1108878

Re: What Book Are You Currently Reading? Part V

I did finish "The E Myth" Accountant. Excellent book for anyone in the profession. I previously read "The E Myth".

Best.
by abuss368
Wed Aug 27, 2014 12:14 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3253
Views: 1108878

Re: Saving for a house down payment in 5-7 years...

If it was me, I would pass on the CD's. I mentioned it as a possibility if you were interested but I personally would not want to be bothered with a "ladder". I would go the short term bond route with Short Term Tax Exempt or Limited Term as a possibility.

Best.
by abuss368
Tue Aug 26, 2014 11:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Saving for a house down payment in 5-7 years...
Replies: 13
Views: 914
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