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by abuss368
Thu May 28, 2015 12:23 am
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1104
Views: 510261

Re: The Three Fund Portfolio -- Very reassuring.

Bogleheads: I live on the 35th floor of a condominium in Miami, Florida. At least once a day I walk out on our balcony and look at the thousands of businesses, big and small, stretched-out below me. I know that every corporation I can see is trying to increase its stock value. Total Stock Market In...
by abuss368
Thu May 21, 2015 10:37 am
Forum: Investing - Help with Personal Investments
Topic: What to do with 5M?
Replies: 93
Views: 15408

Re: What to do with 5M?

4nursebee wrote:If I got 5M cash, I'd sure consider putting one or two of it in an annuity, but that is just me


What happens if the insurance company goes out of business?
by abuss368
Thu May 21, 2015 10:36 am
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 78
Views: 10378

Re: Improving the TSP [for current participants]

Uhh, No it would not be an unhappy outcome. It depends on what one wants to do. I'm not into this 3 or 4 fund portfolio. For those looking at that option, that would be great. I'm in these funds for personal reasons, and I'd suggest the same for everyone else. If it's right for them ? Go for it. Fo...
by abuss368
Wed May 20, 2015 8:36 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with 5M?
Replies: 93
Views: 15408

Re: What to do with 5M?

If you want to invest in real estate, consider US and International REITs.
by abuss368
Wed May 20, 2015 8:33 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable Account Help Needed
Replies: 11
Views: 1141

Re: Taxable Account Help Needed

Consider the Three Fund Portfolio.

Total U.S., Total International, and perhaps Intermediate Term Tax Exempt.
by abuss368
Wed May 20, 2015 8:31 pm
Forum: Investing - Theory, News & General
Topic: How 529 college savers invest.
Replies: 16
Views: 1631

Re: How 529 college savers invest.

We have invested in the age based option from Vanguard and this has worked well.
by abuss368
Wed May 20, 2015 8:30 pm
Forum: Investing - Theory, News & General
Topic: How 529 college savers invest.
Replies: 16
Views: 1631

Re: How 529 college savers invest.

Hi Gordon,

How do you invest your 529 plan?
by abuss368
Wed May 20, 2015 8:28 pm
Forum: Personal Consumer Issues
Topic: Just used my chip credit card for the first time!
Replies: 44
Views: 3063

Re: Just used my chip credit card for the first time!

I have seen the card but have not yet received one.
by abuss368
Wed May 20, 2015 8:27 pm
Forum: Investing - Theory, News & General
Topic: Our Mistakes Benefit Future Generations
Replies: 18
Views: 2932

Re: Our Mistakes Benefit Future Generations

Good luck Rick!

I am glad to see you will be helping investors learn the Boglehead way!
by abuss368
Wed May 20, 2015 10:38 am
Forum: Investing - Theory, News & General
Topic: Silver lining for bond fund NAV declines?
Replies: 33
Views: 2838

Re: Silver lining for bond fund NAV declines?

Essentially yes. Hold a bond fund longer than the duration and over time with the dividend income, you should be fine.

Remember to keep investing simple and stay the course.
by abuss368
Wed May 20, 2015 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Managed Payout Fund
Replies: 16
Views: 1903

Re: Vanguard Managed Payout Fund

Not a fan of the fund but in full disclosure I have never invested in it either.

I would prefer the Target or Life Strategy offerings with the Four Fund Index Portfolio in each.
by abuss368
Wed May 20, 2015 10:36 am
Forum: Personal Consumer Issues
Topic: Best Chromebook 2015
Replies: 52
Views: 4030

Re: Best Chromebook 2015

I purchased a 15" MacBook Pro and love it. We are completely Apple products and everything is so simple now. I can not ever see us moving away from Apple (and it did take a long time for Apple to "win" us over)!
by abuss368
Wed May 20, 2015 10:32 am
Forum: Investing - Help with Personal Investments
Topic: Any of these worth keeping?
Replies: 9
Views: 930

Re: Any of these worth keeping?

You are on the right track. Sell the assets but take taxes and potential gains and losses into consideration (which it appears you have) and move to Vanguard. Consider and excellent and very well diversified Three Fund Portfolio consisting of: * Total Stock Index * Total International Index * Total ...
by abuss368
Tue May 19, 2015 1:00 pm
Forum: Investing - Theory, News & General
Topic: Rick Ferri Launching A Robo Advisory
Replies: 12
Views: 2866

Re: Rick Ferri Launching A Robo Advisory

Rick Ferri is an excellent contributor to the forum who I have learned much from.
by abuss368
Tue May 19, 2015 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: Non traded REITs and indexed annuities
Replies: 49
Views: 2197

Re: Non traded REITs and indexed annuities

Since 1991 I have invested many non-traded REIT's and private real estate deals, and from first hand experience, some worked out like gangbusters and some were absolute duds. I have steered clear of non traded REITs for about 8 years now. The high and over the top number of fees plus the 8%-10% com...
by abuss368
Tue May 19, 2015 12:52 pm
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 78
Views: 10378

Re: Improving the TSP [for current participants]

Excellent thread and very good responses.
by abuss368
Tue May 19, 2015 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: Thrift Savings Plan and three-fund portfolio...
Replies: 22
Views: 1478

Re: Thrift Savings Plan and three-fund portfolio...

Welcome to the forum.

The Three Fund Portfolio is an excellent portfolio. You will enjoy the simplicity and the results.
by abuss368
Tue May 19, 2015 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: Dodge and cox foreign-anyone use it?
Replies: 11
Views: 1036

Re: Dodge and cox foreign-anyone use it?

I did find it interesting that overall from an asset class standpoint, it appears that Dodge & Cox has been following the Four Fund Portfolio much like Vanguard. They have US Stock, International Stock, US Bond, and now Global Bond. Global bond is US and International Bonds. Granted they also of...
by abuss368
Tue May 19, 2015 12:47 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 735
Views: 106501

Re: What Book Are You Currently Reading? Part VI

"King of Capital" The Blackstone Group. Very good thus far.
by abuss368
Tue May 19, 2015 12:47 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 849
Views: 118971

Re: What Movie Have You Recently Watched?

"Numbers Station" on Netflix. I enjoyed the movie.
by abuss368
Sun May 17, 2015 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: Dodge and cox foreign-anyone use it?
Replies: 11
Views: 1036

Re: Dodge and cox foreign-anyone use it?

They too launched an international bond fund. Essentially one can build the Four Fund Portfolio such as Vanguard recommends.
by abuss368
Sat May 16, 2015 8:23 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 849
Views: 118971

Re: What Movie Have You Recently Watched?

Hitler's Children in Netflix. Sad.
by abuss368
Tue May 12, 2015 6:34 am
Forum: Investing - Theory, News & General
Topic: "Why Would an Experienced Investor Buy a Target-Date Fund?"
Replies: 38
Views: 4631

Re: "Why Would an Experienced Investor Buy a Target-Date Fund?"

Excellent article. I have family that has moved from individual funds to Target funds and are very happy. The older I get, the more I appreciate these funds.
by abuss368
Tue May 12, 2015 6:30 am
Forum: Investing - Help with Personal Investments
Topic: Total World Stock Index
Replies: 44
Views: 3765

Re: Total World Stock Index

The investor can control their own allocations if they prefer something different from market weights.

Admiral shares are not available.

This funds has less diversification than the two individual funds.
by abuss368
Tue May 12, 2015 6:28 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice: Especially with TIAA Real Estate
Replies: 21
Views: 944

Re: Portfolio Advice: Especially with TIAA Real Estate

1) I would look into (if possible) consolidating any accounts for simplicity. 2) Real estate is fine but not needed. If you chose to invest in real estate, I would include it with stocks. They are not bonds. 3) I do not include 529 Plans as they are very short term. I keep retirement separate. Best.
by abuss368
Tue May 12, 2015 6:24 am
Forum: Personal Finance (Not Investing)
Topic: Jack Bogle hates ETFs?
Replies: 22
Views: 2333

Re: Jack Bogle hates ETFs?

Mr. Bogle does not like when ETF's are traded with a lot of frequency or invested in very narrow sectors of the markets. He has mentioned they are fine if the ETF is low costs, holds the entire market, and is for the long haul.

Best.
by abuss368
Fri May 08, 2015 9:14 pm
Forum: Investing - Theory, News & General
Topic: Target Date Funds: A financial innovation that's working
Replies: 11
Views: 1901

Re: Target Date Funds: A financial innovation that's working

Excellent article. Near get funds are hard to beat.

Mel - do you invest in Target funds?
by abuss368
Fri May 08, 2015 7:18 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday Mr. Bogle
Replies: 40
Views: 1902

Re: Happy Birthday Mr. Bogle

Happy Birthday Mr. Bogle!

I have learned much from your many books and interviews!

Best.
by abuss368
Fri May 08, 2015 7:08 pm
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1104
Views: 510261

Re: The Three Fund Portfolio

LadyGeek wrote:
abuss368 wrote:I would like to see the Lazy Portfolio's include Rick Ferri's "Core Four" Portfolio.

The "Core four" is in the wiki: Lazy portfolios


Great portfolio recommendation!

Thanks!
by abuss368
Thu May 07, 2015 9:43 pm
Forum: Investing - Theory, News & General
Topic: A Yale Portfolio Slice 'n Dice Question
Replies: 34
Views: 2196

Re: A Yale Portfolio Slice 'n Dice Question

Thirdly - even David Swensen no longer suggests 20% REIT if I remember correctly. Yes and no. I am familiar with the interview from Yale University magazine with the lowered REIT allocation by 5% and the increase in Emerging Markets by 5%. Does that move the dial. I also attended a lecture of David...
by abuss368
Thu May 07, 2015 9:39 pm
Forum: Investing - Help with Personal Investments
Topic: Non traded REITs and indexed annuities
Replies: 49
Views: 2197

Re: Non traded REITs and indexed annuities

Don't walk...run! If you are interested in real estate, consider the excellent low cost and diversified Vanguard REIT Index Fund. There is also the Vanguard International REIT / Real Estate Fund. Over time, the returns of REITs should mirror the returns from direct real estate. Keep investing simple.
by abuss368
Thu May 07, 2015 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: emergency fund
Replies: 9
Views: 1541

Re: emergency fund

Considering the goal is peace of mind and access to cash, we follow the old principal of "cash is king" and utilize a savings account.

This has worked very well and we sleep at night.
by abuss368
Thu May 07, 2015 9:36 pm
Forum: Investing - Theory, News & General
Topic: Should You Time the Markets When Experts Can’t?
Replies: 21
Views: 2232

Re: Should You Time the Markets When Experts Can’t?

Excellent article Rick! Thank you for sharing.

We gave up market timing many years ago. Now we simply invest in low cost and diversified index funds and "stay the course"!

Best.
by abuss368
Thu May 07, 2015 9:34 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard AMT-free National Municipal Bond Fund
Replies: 95
Views: 10353

Re: New Vanguard AMT-free National Municipal Bond Fund

I too would like to see the .50 purchase fee removed before investing.
by abuss368
Thu May 07, 2015 9:33 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard AMT-free National Municipal Bond Fund
Replies: 95
Views: 10353

Re: New Vanguard AMT-free National Municipal Bond Fund

BigJohn wrote:FWIW (and that may not be much), my sense is that VG did this so that they could have a muni bond ETF from a marketing perspective not necessarily because it was a better mousetrap than their existing mutual fund line-up.


That was my understanding as well based on a few articles I have read.
by abuss368
Thu May 07, 2015 9:32 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 849
Views: 118971

Re: What Movie Have You Recently Watched?

"Client #9" on Netflix. Essentially the rise and fall of Elliot Spitzer. Very good.
by abuss368
Thu May 07, 2015 9:31 pm
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1104
Views: 510261

Re: The Three Fund Portfolio beats 7 other Professional Portfolios

I asked about back testing simply so I could understand the past performance of various recommendations. Umfundi: Market Watch columnist, Paul Farrell, posted this comparison of "8 Lazy Portfolios." Allen Roth's "Second Grader's Starter Portfolio" uses the same 3 funds as "...
by abuss368
Thu May 07, 2015 9:25 pm
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1104
Views: 510261

Re: Total Bond Market and Total Stock Market = world's largest

Bogleheads: According to the Wall Street Journal , Vanguard's Total Bond Market Index Fund in The Three Fund Portfolio is now the "World's Largest Bond Fund." Vanguard's Total Stock Market Index Fund is already the "World's Largest Stock Fund." It has taken awhile, but Mr. Bogle...
by abuss368
Wed May 06, 2015 4:09 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard AMT-free National Municipal Bond Fund
Replies: 95
Views: 10353

Re: New Vanguard AMT-free National Municipal Bond Fund

Is anyone planning to move from the active fund to this new index fund?
by abuss368
Fri May 01, 2015 6:32 am
Forum: Investing - Help with Personal Investments
Topic: S&P 500 foreign revenue at 50% - advice on impact of port.
Replies: 28
Views: 2440

Re: S&P 500 foreign revenue at 50% - advice on impact of por

Bogle does say that about international stocks considering the number of U.S. Companies that do international business. He also adds if you feel you do need international stocks he would not recommend more than 20% allocation. +1 I know I'm a broken record when it comes to this topic, but if you in...
by abuss368
Thu Apr 30, 2015 11:00 pm
Forum: Investing - Help with Personal Investments
Topic: Total Bond Index Fund or Other?
Replies: 19
Views: 2292

Re: Total Bond Index Fund or Other?

Total Bond is a very diversified and low cost fund.

Stay the course with this fund.
by abuss368
Thu Apr 30, 2015 10:59 pm
Forum: Investing - Help with Personal Investments
Topic: S&P 500 foreign revenue at 50% - advice on impact of port.
Replies: 28
Views: 2440

Re: S&P 500 foreign revenue at 50% - advice on impact of por

Bogle does say that about international stocks considering the number of U.S. Companies that do international business. He also adds if you feel you do need international stocks he would not recommend more than 20% allocation. +1 I know I'm a broken record when it comes to this topic, but if you in...
by abuss368
Wed Apr 29, 2015 9:20 pm
Forum: Investing - Theory, News & General
Topic: Do REITs really offer effective portfolio diversification?
Replies: 108
Views: 9222

Re: Do REITs really offer effective portfolio diversificatio

What does home ownership have to do with how you invest, in particular, whether to own REIT? Unlike my portfolio, I could care less if my house value goes to zero. In fact it would be great since presumably my property taxes would also go to zero. I have never considered my home as an investment. I...
by abuss368
Wed Apr 29, 2015 9:15 pm
Forum: Investing - Theory, News & General
Topic: Do REITs really offer effective portfolio diversification?
Replies: 108
Views: 9222

Re: Do REITs really offer effective portfolio diversificatio

Vanguard stated in the paper, “Global equities: Balancing home bias and diversification”: Equities not domiciled in the United States accounted for 51% of the global equity market….despite the size of non-US markets, US mutual fund investors held, on average, only 27% of their total equity allocati...
by abuss368
Tue Apr 28, 2015 9:57 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Question
Replies: 15
Views: 1296

Re: Bond Question

With bonds, higher yield almost always means higher risks.

Total Bond is more diversified.
by abuss368
Tue Apr 28, 2015 9:56 pm
Forum: Investing - Theory, News & General
Topic: What experts say about "Stay-the-Course"
Replies: 10
Views: 2993

Re: What experts say about "Stay-the-Course"

galeno wrote:50% VT + 50% BND = 100% PP (portfolio perfection). Kudos.


Two fund approach? Jack Bogle recommends a two fund approach consisting of Total U.S. Stock and Bond.

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