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Re: Why I Chose Target Retirement Funds

Excellent thread!
by abuss368
Sat Apr 25, 2015 8:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why I Chose Target Retirement Funds
Replies: 37
Views: 3916

Re: Warren Buffett on equties, treasuries, and "risk"

Mr. Buffett has recommended a two asset class solution before: S&P 500 and Treasuries.

Keep investing simple.
by abuss368
Fri Apr 24, 2015 10:09 pm
 
Forum: Investing - Theory, News & General
Topic: Warren Buffett on equties, treasuries, and "risk"
Replies: 46
Views: 4199

Re: should I add Gold Fund to my portfolio?

Only if you want to speculate!
by abuss368
Fri Apr 24, 2015 10:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: should I add Gold Fund to my portfolio?
Replies: 21
Views: 1580

Re: What is too long to stay the course?

We stay the course forever. Newhart is the alternative?
by abuss368
Fri Apr 24, 2015 9:42 pm
 
Forum: Investing - Theory, News & General
Topic: What is too long to stay the course?
Replies: 50
Views: 3145

Re: Muni bond fund vs taxable

Don't forget the low cost and diversified Vanguard Intermediate Tax Exempt. This is a national bond fund and will be a lot more diversified than a California only bond fund.
by abuss368
Fri Apr 24, 2015 9:36 pm
 
Forum: Investing - Theory, News & General
Topic: Muni bond fund vs taxable
Replies: 6
Views: 539

Re: Study Recommends Keeping Status Quo for TSP Fund Offerin

It appears to be Total U.S., International (without emerging), Bond, and a form of TIPS.
by abuss368
Fri Apr 24, 2015 9:22 pm
 
Forum: Investing - Theory, News & General
Topic: Study Recommends Keeping Status Quo for TSP Fund Offerings
Replies: 20
Views: 1120

Study Recommends Keeping Status Quo for TSP Fund Offerings

Bogleheads, I read this article online, and while a couple of year old, I found it most interesting about the various asset classes. Specifically, no need for international bonds, emerging market bonds, high yield bonds, small cap, etc. The TIPS fund appeared to be a middle of the road investment op...
by abuss368
Fri Apr 24, 2015 1:03 pm
 
Forum: Investing - Theory, News & General
Topic: Study Recommends Keeping Status Quo for TSP Fund Offerings
Replies: 20
Views: 1120

Re: VNQ/other REITS as proxy for hard real estate ?

I did read that Warren Buffett's Berkshire Hathaway invested significant dollars in a health care REIT. It may have been HCP but I do not remember. He mentioned the benefit was the huge and rising cash flow from dividends.
by abuss368
Fri Apr 24, 2015 1:00 pm
 
Forum: Investing - Theory, News & General
Topic: VNQ/other REITS as proxy for hard real estate ?
Replies: 26
Views: 1362

Re: VNQ/other REITS as proxy for hard real estate ?

REITs were a wonderful asset class to invest in during the technology bubble explosion!
by abuss368
Fri Apr 24, 2015 12:59 pm
 
Forum: Investing - Theory, News & General
Topic: VNQ/other REITS as proxy for hard real estate ?
Replies: 26
Views: 1362

Re: VNQ/other REITS as proxy for hard real estate ?

I'm a UK investor. At a point in the past I switched from funds that hold property directly to (effectively) REITs. There are differences. 1. Asset allocation. The typical direct property fund here is run by an insurance company and might really be 80% property and 20% cash, the cash being necessar...
by abuss368
Fri Apr 24, 2015 12:59 pm
 
Forum: Investing - Theory, News & General
Topic: VNQ/other REITS as proxy for hard real estate ?
Replies: 26
Views: 1362

Re: VNQ/other REITS as proxy for hard real estate ?

The biggest reason is that REITs are highly leveraged but it's transparent to the stockholder. So just like your leveraged house went down 30% and your equity went into negative numbers, your Real Estate goes down 30% but the value of the REIT went down 50/70/90%. That's in addition to the standard...
by abuss368
Thu Apr 23, 2015 9:43 pm
 
Forum: Investing - Theory, News & General
Topic: VNQ/other REITS as proxy for hard real estate ?
Replies: 26
Views: 1362

Re: Rick Ferri looking to internationalize his portfolio

Rick Ferri wrote:I have not, but that doesn't mean anything in the big picture.

Rick Ferri


Your right and you have taught me that over the years!
by abuss368
Thu Apr 23, 2015 8:02 pm
 
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 353
Views: 46858

Re: Looking for emerging markets fund

I'm looking to add an emerging markets fund. The Vanguard and Fidelity emerging markets indexes both require $10,000 so that's out of the question. Those are the only two index funds that I know of. What do you recommend? Is there a good affordable active fund for emerging markets with a low minimu...
by abuss368
Thu Apr 23, 2015 8:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Looking for emerging markets fund
Replies: 14
Views: 725

Re: Looking for emerging markets fund

gkaplan wrote:I thought you posted that you had a low risk tolerance. Are you sure this isn't recency bias, since Vanguard's Emerging Markets Stock Index Fund closed up 10.99% year-to-date?


I thought you had a large allocation to emerging markets?
by abuss368
Thu Apr 23, 2015 7:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Looking for emerging markets fund
Replies: 14
Views: 725

Re: Vanaguard Account Activity Alerts

Great feature. Thank you!
by abuss368
Thu Apr 23, 2015 7:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanaguard Account Activity Alerts
Replies: 20
Views: 1497

Re: VNQ/other REITS as proxy for hard real estate ?

David Swensen considers it a proxy. Rental properties fluctuate in value too. We just don't have and exchange quoting us prices all day. Beach town near us had homes drop from $750,000 to $300,000 in crash. So yes, they dropped like the REITS index fund. Your very weakly real estate investors (Sam Z...
by abuss368
Thu Apr 23, 2015 7:56 pm
 
Forum: Investing - Theory, News & General
Topic: VNQ/other REITS as proxy for hard real estate ?
Replies: 26
Views: 1362

Re: VNQ/other REITS as proxy for hard real estate ?

I consider them a separate asset class within the stock part of an allocation. But they are securities, and they behave like them, so no, I do not consider them a proxy in that sense. VNQ does give you something hard real estate does not provide (unless you are "Warren Buffet" rich): dive...
by abuss368
Thu Apr 23, 2015 7:53 pm
 
Forum: Investing - Theory, News & General
Topic: VNQ/other REITS as proxy for hard real estate ?
Replies: 26
Views: 1362

Re: Have You Prepared A Durable Power Of Attorney?

Yes, we had them prepared.
by abuss368
Thu Apr 23, 2015 7:09 pm
 
Forum: Personal Consumer Issues
Topic: Have You Prepared A Durable Power Of Attorney?
Replies: 24
Views: 1829

Re: ER/Urgent Care/AmWell online A Choice

That is very interesting. I actually expected the cost to be lower.
by abuss368
Thu Apr 23, 2015 7:08 pm
 
Forum: Personal Consumer Issues
Topic: ER/Urgent Care/AmWell online A Choice
Replies: 6
Views: 630

Re: 1 day in San Francisco, no car

Alcatraz!
by abuss368
Thu Apr 23, 2015 7:04 pm
 
Forum: Personal Consumer Issues
Topic: 1 day in San Francisco, no car
Replies: 29
Views: 1313

Re: Anyone Manually Manage Quicken?

I did for 10 years and then quit using Quicken all together 6 years ago. An adjustment at first but have not missed it or needed it since. Life is more simple.
by abuss368
Thu Apr 23, 2015 7:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone Manually Manage Quicken?
Replies: 35
Views: 1234

Re: Rick Ferri looking to internationalize his portfolio

I did my small part to further internationalize my portfolio. I sold 1/2 of my US REIT fund at my Mutual Fund IRA and used the proceeds to buy a Global Real Estate Fund. The Global Real Estate Fund is 1/2 US and 1/2 International. So what I did was create a Real Estate portfolio that is about 25% I...
by abuss368
Thu Apr 23, 2015 7:01 pm
 
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 353
Views: 46858

Re: Why I Chose Target Retirement Funds

A Target fund in the IRAs and perhaps the Three Fund Portfolio in taxable with the same overall asset allocation and tax exempt bonds. Not a bad combination. ... Did I do the math correctly here given some reasonable assumptions? Your math and logic appear reasonable. One item to consider is if at ...
by abuss368
Thu Apr 23, 2015 4:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why I Chose Target Retirement Funds
Replies: 37
Views: 3916

Re: Rick Ferri looking to internationalize his portfolio

Rick Ferri wrote:
jay22 wrote:
abuss368 wrote:Total International is outperforming Total Stock this year!

That would explain Rick's strategy above. ;-)


Ha! I published my thoughts on January 1, 2015. So there! :D

Rick Ferri


Rick,

Have you started to increase your international allocation?
by abuss368
Thu Apr 23, 2015 3:30 pm
 
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 353
Views: 46858

Re: Rick Ferri looking to internationalize his portfolio

I did my small part to further internationalize my portfolio. I sold 1/2 of my US REIT fund at my Mutual Fund IRA and used the proceeds to buy a Global Real Estate Fund. The Global Real Estate Fund is 1/2 US and 1/2 International. So what I did was create a Real Estate portfolio that is about 25% I...
by abuss368
Thu Apr 23, 2015 3:29 pm
 
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 353
Views: 46858

Re: International bonds - VTIBX - bubble, short, stay

I am still trying to understand this asset class. None of the investment experts I follow recommend international bonds. Vanguard as an entity is recommending the fund in their research and all in one funds. I still get "stuck" at U.S. fund returns based on hedging, longer duration, higher...
by abuss368
Thu Apr 23, 2015 3:28 pm
 
Forum: Investing - Theory, News & General
Topic: International bonds - VTIBX - bubble, short, stay
Replies: 7
Views: 954

Re: Home purchase = sell REIT?

We invest in REITs and have done so for many years. Many years ago, we invested in individual REITs and now we simply invest in 1) Vanugard US REIT Index and 2) Vanguard International REITs. We allocation 18% of equity to US REITs and 12% of equity to International REITs and this has worked well. A ...
by abuss368
Thu Apr 23, 2015 12:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Home purchase = sell REIT?
Replies: 12
Views: 748

Re: Home purchase = sell REIT?

I was wondering something similar this morning. I don't consider my home equity as part of my portfolio. However, I am considering purchasing a rental property. My thought is to carry that equity as part of my portfolio for asset allocation purposes. Doing so would probably cause me to be over-weig...
by abuss368
Thu Apr 23, 2015 12:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Home purchase = sell REIT?
Replies: 12
Views: 748

Re: Home purchase = sell REIT?

There is no right answer. REITs and houses are both exposure to the real estate sector. That said, they are extremely different instruments to gain exposure to that sector, and by and large do not move in tandem. REITs are primarily commercial real estate investments that are income-producing. Publ...
by abuss368
Thu Apr 23, 2015 12:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Home purchase = sell REIT?
Replies: 12
Views: 748

Re: Why I Chose Target Retirement Funds

A Target fund in the IRAs and perhaps the Three Fund Portfolio in taxable with the same overall asset allocation and tax exempt bonds. Not a bad combination. Please correct my numbers or logic, but this is how I'd make the decision between a Lifestrategy/TR fund for taxable versus 3-fund with tax-e...
by abuss368
Thu Apr 23, 2015 12:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why I Chose Target Retirement Funds
Replies: 37
Views: 3916

Re: TV show recommendations?

Finished "House of Cards" on Netflix. Is another season going to be released?
by abuss368
Thu Apr 23, 2015 12:33 pm
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 335
Views: 147530

Re: Great little interview with John Bogle

Great article. Thanks!
by abuss368
Wed Apr 22, 2015 11:41 pm
 
Forum: Investing - Theory, News & General
Topic: Great little interview with John Bogle
Replies: 23
Views: 2172

Re: "How much of your portfolio is in index funds, and why?"

I am 100% in index funds and hold a very simple portfolio. I do not have taxable investments (just an old fashioned emergency fund in a savings account), but my 401K is in two funds the Vanguard Institutional Index Fund and the Black Rock U.S. Debt Index Fund. I also have a smaller IRA and it is al...
by abuss368
Wed Apr 22, 2015 11:33 pm
 
Forum: Investing - Theory, News & General
Topic: "How much of your portfolio is in index funds, and why?"
Replies: 56
Views: 4916

Re: Why I Chose Target Retirement Funds

I have a Target fund in an employer plan and also the 529 plans and it has worked great. In fact the older I get the more I consider switching our portfolio even more. A Target fund in the IRAs and perhaps the Three Fund Portfolio in taxable with the same overall asset allocation and tax exempt bond...
by abuss368
Wed Apr 22, 2015 11:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why I Chose Target Retirement Funds
Replies: 37
Views: 3916

Re: The Three Fund Portfolio uses Morningstar's "Top Picks"

Bogleheads: Morningstar has a Special Report featuring "Top Core Picks for Indexers." Among their "Top Picks" are Total Stock Market, Total International Stock Market and Total Bond Market -- all in The Three Fund Portfolio. Morningstar's Top Core Picks for Indexers Best wishes ...
by abuss368
Wed Apr 22, 2015 11:25 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1069
Views: 490347

Re: TV show recommendations?

The Americans finished the latest season tonight. Excellent program!
by abuss368
Wed Apr 22, 2015 11:22 pm
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 335
Views: 147530

Re: Expert Tips on Building Wealth for Forty Somethings

Thanks Rick. I would love to see you expand your post in a future blog article regarding 40 year olds if you could.
by abuss368
Wed Apr 22, 2015 11:20 pm
 
Forum: Investing - Theory, News & General
Topic: Expert Tips on Building Wealth for Forty Somethings
Replies: 9
Views: 2342

Re: To ETF or Not to ETF? That is the question.

Great article. However, I am going to be boring and stay the course with our index mutual funds.
by abuss368
Wed Apr 22, 2015 11:14 pm
 
Forum: Investing - Theory, News & General
Topic: To ETF or Not to ETF? That is the question.
Replies: 10
Views: 1310

Re: Cash is King with the Profitability Factor

Is this one of the reasons REITs have done very well? That is 90% of income must be paid out to Shareholders in the form of dividends.
by abuss368
Wed Apr 22, 2015 11:08 pm
 
Forum: Investing - Theory, News & General
Topic: Cash is King with the Profitability Factor
Replies: 2
Views: 1148

Re: Rick Ferri looking to internationalize his portfolio

Total International is outperforming Total Stock this year!
by abuss368
Wed Apr 22, 2015 5:51 pm
 
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 353
Views: 46858

Re: The Three Fund Portfolio

Thanks, Taylor. I have an actively managed international fund in taxable that I am waiting for retirement to exchange. I have another question, though. Will the three funds eventually become so large that they become expensive to operate, or do economies of scale continue to be an advantage at any ...
by abuss368
Wed Apr 22, 2015 6:59 am
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1069
Views: 490347

Re: What Movie Have You Recently Watched?

Finished season 3 of House of Cards. Excellent series.
by abuss368
Wed Apr 22, 2015 6:55 am
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 771
Views: 103436

Re: To TIP or not to TIP?

This is a tough one because you would be selling low. OTOH, you are basically asking us if you should cut your losses and just go with TBM. Tough decision. I don't own TIPS. Would I sell here? Probably. This was exactly my dilemma after investing in the VG Intermediate TIPS fund as a newbie, withou...
by abuss368
Sat Apr 18, 2015 9:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: To TIP or not to TIP (funds)?
Replies: 23
Views: 3348

Re: Considering the new MacBook 12-inch Retina ...

15 inch MacBook Pro. Love it.
by abuss368
Fri Apr 17, 2015 10:45 pm
 
Forum: Personal Consumer Issues
Topic: Considering the new MacBook 12-inch Retina ...
Replies: 26
Views: 3467

Re: What Movie Have You Recently Watched?

Snake Eyes with Nicholas Cage and Gary Sinese.
by abuss368
Fri Apr 17, 2015 9:30 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 771
Views: 103436

Re: How's my diversification?

The most important decision is the asset allocation between stocks and bonds.
by abuss368
Thu Apr 16, 2015 9:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: How's my diversification?
Replies: 7
Views: 805

Re: Will Saudi Arabia be added into Total International Stoc

WSJ article today: http://www.wsj.com/articles/saudi-arabia-to-open-stock-market-to-foreign-investors-on-june-15-1429191506 For non-subscribers, google "Saudi Arabia to Open Stock Market to Foreign Investors on June 15". Apparently Saudi Arabian companies haven't really been open to forei...
by abuss368
Thu Apr 16, 2015 8:48 pm
 
Forum: Investing - Theory, News & General
Topic: Will Saudi Arabia be added into Total International Stock?
Replies: 14
Views: 1600

Re: Will Saudi Arabia be added into Total International Stoc

gkaplan wrote:Wouldn't Saudi Arabia be considered a frontier market?



Do you still invest in frontier markets?
by abuss368
Thu Apr 16, 2015 8:47 pm
 
Forum: Investing - Theory, News & General
Topic: Will Saudi Arabia be added into Total International Stock?
Replies: 14
Views: 1600

Re: To TIP or not to TIP?

I used to have the Vanguard TIPS fund, but sold it a year ago. I finally got tired of waiting for inflation to happen. Maybe I'll regret it, but I went with Total Bond Index (.80) and International Bond Index (.20). Taxable or tax advantage accounts? How is Total International Bond doing for your p...
by abuss368
Thu Apr 16, 2015 8:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: To TIP or not to TIP (funds)?
Replies: 23
Views: 3348

Re: Collecting: A Hobby First, Investment Second

Remember the days of valuable baseball cards?
by abuss368
Thu Apr 16, 2015 7:57 pm
 
Forum: Investing - Theory, News & General
Topic: Collecting: A Hobby First, Investment Second
Replies: 33
Views: 2863
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