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Re: REIT

Definitely equities as the investment is in the equity of the real estate.
by abuss368
Sun Aug 31, 2014 1:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: REIT
Replies: 12
Views: 746

Re: I have 1M in Vanguard. Start Diversifying to Real Estate

Direct Real Estate is huge. There are thousands of companies of all different sizes in the US that specialize in various kinds of direct real estate investments ) apartments, shopping centers, single tenant triple net, Office, Self Storage, Health Buildings, even single family homes . Like I said I...
by abuss368
Sun Aug 31, 2014 1:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: I have 1M in Vanguard. Start Diversifying to Real Estate?
Replies: 38
Views: 4814

Re: I have 1M in Vanguard. Start Diversifying to Real Estate

Not every country has the same REIT structure as the US, so it's not necessarily obvious that some of the diversification benefits will apply for the VG ex-US RE fund, which "includes" some REITs, vs. the US fund, which is almost entirely REITs. For many years when REITs were underperform...
by abuss368
Sun Aug 31, 2014 1:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: I have 1M in Vanguard. Start Diversifying to Real Estate?
Replies: 38
Views: 4814

Re: Does anyone have 'Lazy Portfolios'?

Thanks abuss368! I guess what's unclear to me is why this is good advice. I recognize that there is sequence of return risk when a retiree first retires. So I do think that it's worth holding a few years of cash at retirement. I just don't think we need anything as fancy as age in bonds. Hi berntso...
by abuss368
Sun Aug 31, 2014 1:34 pm
 
Forum: Investing - Theory, News & General
Topic: Does anyone have 'Lazy Portfolios'?
Replies: 69
Views: 3684

Re: I have 1M in Vanguard. Start Diversifying to Real Estate

tibbitts wrote:My assumption is that the OP would be investing in RE somewhere outside of the US, which might introduce risks that we might not usually think about in terms of US RE. Those might include non-insurable risks, like acts of war, political confiscation, etc.


International REITs!
by abuss368
Sat Aug 30, 2014 10:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: I have 1M in Vanguard. Start Diversifying to Real Estate?
Replies: 38
Views: 4814

Re: My husband's " WILL", $ left for me to live on....

$7,000,000

5 kids and a spouse.

You are left with $300,000?

How about $1,000,000 per child. With 5 children that is $5,000,000.

$2,000,000 for you.

I really do not know how to respond and have second thoughts on this post.

Best of luck to you.
by abuss368
Sat Aug 30, 2014 8:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 258
Views: 16327

Re: My husband's " WILL", $ left for me to live on....

He is not very happy that I am holding on to my$100000 for myself and not willing to help with some cost of living expence. But I am worryied and cant let go of my only saving. Seriously? He is worth north of $7 MILLION and he is "not very happy" about your $100,000? Honestly, I do not ev...
by abuss368
Sat Aug 30, 2014 8:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 258
Views: 16327

Re: NYC [Visit to New York City]

9-11 museum - listening to the tape of some of people killed that they left for loved ones really moved me. If you go, buy tickets in advance. http://www.911memorial.org That is amazing. Years ago we walked down Broadway towards the WTC site. We had not done this in many years and were unfamiliar w...
by abuss368
Sat Aug 30, 2014 8:25 pm
 
Forum: Personal Consumer Issues
Topic: NYC [Visit to New York City]
Replies: 43
Views: 1594

Re: I have 1M in Vanguard. Start Diversifying to Real Estate

I have invested in several dozen real estate deals in the past 20 years, including office buildings, shopping centers, apartment complexes and raw land. Some of these deals were funds that had 3 or more buildings in them and some were single buildings (i.e.; one office building or one apartment com...
by abuss368
Sat Aug 30, 2014 8:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: I have 1M in Vanguard. Start Diversifying to Real Estate?
Replies: 38
Views: 4814

Re: Does anyone have 'Lazy Portfolios'?

Good Saturday to you, remember that there is NO official SWAN portfolio, but as far as asset classes your "SWAN" will have any asset class you like, as long as you sleep well at night. I have a boring portfolio of good amount of intermediate term bond funds, good amount of municipal bond ...
by abuss368
Sat Aug 30, 2014 6:18 pm
 
Forum: Investing - Theory, News & General
Topic: Does anyone have 'Lazy Portfolios'?
Replies: 69
Views: 3684

Re: I have 1M in Vanguard. Start Diversifying to Real Estate

Before going into direct real estate, I would consider the US and International REIT index funds. Many REIT management teams own the stock of the REIT. Trust me, these folks are not out ringing doorbells collecting rental receipts. They run the real estate companies (i.e. REIT) like a business and t...
by abuss368
Sat Aug 30, 2014 5:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: I have 1M in Vanguard. Start Diversifying to Real Estate?
Replies: 38
Views: 4814

Re: Does anyone have 'Lazy Portfolios'?

Good Saturday to you, remember that there is NO official SWAN portfolio, but as far as asset classes your "SWAN" will have any asset class you like, as long as you sleep well at night. I have a boring portfolio of good amount of intermediate term bond funds, good amount of municipal bond ...
by abuss368
Sat Aug 30, 2014 5:53 pm
 
Forum: Investing - Theory, News & General
Topic: Does anyone have 'Lazy Portfolios'?
Replies: 69
Views: 3684

Re: I have 1M in Vanguard. Start Diversifying to Real Estate

If I wanted to start a company it would be real estate. I would not have an interest in another services company, manufacturing, or any company that involved inventory. That said, I am a little lost on starting real estate if you are planning to live outside the country. Perhaps you could expand on ...
by abuss368
Sat Aug 30, 2014 5:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: I have 1M in Vanguard. Start Diversifying to Real Estate?
Replies: 38
Views: 4814

Re: I have 1M in Vanguard. Start Diversifying to Real Estate

Should I at least diversify to something else other than Vanguard, just in case anything happens with Vanguard? Hi webenterpreneur, That is a question that only you could answer. If it will allow you to sleep better at night then by all means go for it. Personally, it would not bother me at all to ...
by abuss368
Sat Aug 30, 2014 5:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: I have 1M in Vanguard. Start Diversifying to Real Estate?
Replies: 38
Views: 4814

Re: Does anyone have 'Lazy Portfolios'?

SWAN. I don't have a lazy portfolio, I have a SWAN (sleep well at night) portfolio, and it should be noted that there is no set SWAN allocation, it is all up to the individual investor and it is based on the pillow test. Thanks for reading. Hi cfs, Would you be willing to share what asset classes c...
by abuss368
Sat Aug 30, 2014 5:01 pm
 
Forum: Investing - Theory, News & General
Topic: Does anyone have 'Lazy Portfolios'?
Replies: 69
Views: 3684

Re: NYC [Visit to New York City]

The Apple Store in Manhattan?
by abuss368
Sat Aug 30, 2014 4:55 pm
 
Forum: Personal Consumer Issues
Topic: NYC [Visit to New York City]
Replies: 43
Views: 1594

Re: What Movie Have You Currently Watched?

snyder66 wrote:How about, Last Good Movie? It's been quite a while for me...


Hi snyder66,

I understand. I was thinking the last movie and if you recommend it or not. Good, Bad, Right, Wrong.

Best.
by abuss368
Sat Aug 30, 2014 4:54 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You [Recently] Watched?
Replies: 14
Views: 614

Re: What Movie Have You Currently Watched?

I watched Arnold Schwarzenegger's new film "Sabotage". If you are an Arnold fan, I recommend it.
by abuss368
Sat Aug 30, 2014 4:50 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You [Recently] Watched?
Replies: 14
Views: 614

Re: NYC [Visit to New York City]

Wall Street and the American Museum of Finance. I have been to Wall Street but never inside. The NASDAQ is located in Times Square and you can look inside all the glass windows. The exchange is a bunch of television screens. I am curious of the American Museum of Finance. Has anyone been there and ...
by abuss368
Sat Aug 30, 2014 4:39 pm
 
Forum: Personal Consumer Issues
Topic: NYC [Visit to New York City]
Replies: 43
Views: 1594

Re: NYC [Visit to New York City]

Little Italy
Trump Tower
World Trade Center
by abuss368
Sat Aug 30, 2014 4:38 pm
 
Forum: Personal Consumer Issues
Topic: NYC [Visit to New York City]
Replies: 43
Views: 1594

What Movie Have You [Recently] Watched?

Bogleheads, Based on the success of the mega thread "What Book Are You Currently Reading?", I would like to start a new thread related to movies that Bogleheads could share with each other. Many of us have Netflix, Crackle, or another streaming service. Best. [To keep this on topic, please...
by abuss368
Sat Aug 30, 2014 4:35 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You [Recently] Watched?
Replies: 14
Views: 614

Re: Correction

The main idea behind lazy portfolios: holding a relatively fixed allocation to stocks and bonds throughout your investing career. Sorry, this is not the main idea behind lazy portfolios. The main idea is to keep investing simple. Lazy portfolios, like The Three Fund Portfolio , are not designed to ...
by abuss368
Sat Aug 30, 2014 4:25 pm
 
Forum: Investing - Theory, News & General
Topic: Does anyone have 'Lazy Portfolios'?
Replies: 69
Views: 3684

Re: Does anyone have 'Lazy Portfolios'?

There has been lots of discussion of slicing and dicing in this thread, but I think this misses the main idea behind lazy portfolios: holding a relatively fixed allocation to stocks and bonds throughout your investing career. The advantages of glide paths are IMO oversold and simply add to the comp...
by abuss368
Sat Aug 30, 2014 4:09 pm
 
Forum: Investing - Theory, News & General
Topic: Does anyone have 'Lazy Portfolios'?
Replies: 69
Views: 3684

Re: Does anyone have 'Lazy Portfolios'?

Vanguard Total Stock 35% or thereabouts Vanguard Intn'l Stock 15% or thereabouts Vanguard Total Bond 40% or thereabouts Vanguard Int'l Bond 10% or thereabouts Hi Peterjens, This is the exact portfolio that Vanguard now recommends. Vanguard also includes thee four funds in both the Target and Life S...
by abuss368
Sat Aug 30, 2014 4:07 pm
 
Forum: Investing - Theory, News & General
Topic: Does anyone have 'Lazy Portfolios'?
Replies: 69
Views: 3684

Re: Does anyone have 'Lazy Portfolios'?

Some of what you're investing in is limited by what is available in your 401K, for instance. Thankfully, one of my available funds is a Vanguard Target Reirement fund. Right now, I'm investing solely in Vanguard Target Retirement funds in that account and then a Small Cap Value Fund in my ROTH with...
by abuss368
Sat Aug 30, 2014 4:05 pm
 
Forum: Investing - Theory, News & General
Topic: Does anyone have 'Lazy Portfolios'?
Replies: 69
Views: 3684

Re: If you had an extra $100,000

Taylor Larimore wrote:My $100,000 would go to under-performing funds to rebalance to my desired asset allocation. In other words: Stay-the-course.

Best wishes.
Taylor


Jack Bogle would be proud!
by abuss368
Sat Aug 30, 2014 3:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: If you had an extra $100,000
Replies: 53
Views: 4388

Re: Vanguard allocation Question

I'm 45 looking to retire in 15 yrs,best way to allocate my 60% stock portion? My vanguard choices VWELX. WELLINGTON VEMPX. EXT MARKET INDEX INST PLUS VIIIX INST INDEX FUND INSTITUTIONAL PLUS SHARES VPMCX. PRIMECAP VWNDX. WINDSOR FUND VWIGX. INTL GROWTH INV VTRIX. INTL VALUE FUND VTPSX. TOTAL INTL S...
by abuss368
Sat Aug 30, 2014 2:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard allocation Question
Replies: 4
Views: 664

Re: Donald Trump - The Apprentice

I wonder if "The Donald" will ever turn The Trump Organization into a REIT.
by abuss368
Sat Aug 30, 2014 2:21 pm
 
Forum: Personal Consumer Issues
Topic: Donald Trump - The Apprentice
Replies: 27
Views: 1604

Re: Does anyone have 'Lazy Portfolios'?

Wow, lots of replies since my last post :happy I still don't get the slice and dicers, but I will say this: As long as you're regularly investing, using low cost funds and with a good asset allocation for you, the difference in the long run between a slice and dice and a 3 fund portfolio is negligi...
by abuss368
Sat Aug 30, 2014 2:08 pm
 
Forum: Investing - Theory, News & General
Topic: Does anyone have 'Lazy Portfolios'?
Replies: 69
Views: 3684

Re: Does anyone have 'Lazy Portfolios'?

Vanguard Total Stock 35% or thereabouts Vanguard Intn'l Stock 15% or thereabouts Vanguard Total Bond 40% or thereabouts Vanguard Int'l Bond 10% or thereabouts Hi Peterjens, This is the exact portfolio that Vanguard now recommends. Vanguard also includes thee four funds in both the Target and Life S...
by abuss368
Sat Aug 30, 2014 2:03 pm
 
Forum: Investing - Theory, News & General
Topic: Does anyone have 'Lazy Portfolios'?
Replies: 69
Views: 3684

Re: Does anyone have 'Lazy Portfolios'?

Can someone explain to me benefits of putting ANY bonds into a taxable account? I'm high tax bracket, and young. Should I still put some intermediate bond funds in taxable? I have tax-deferred account, and am putting higher allocation of bonds there. Isn't the mantra here: consider everything as ON...
by abuss368
Sat Aug 30, 2014 2:00 pm
 
Forum: Investing - Theory, News & General
Topic: Does anyone have 'Lazy Portfolios'?
Replies: 69
Views: 3684

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: 69
Views: 3684

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: 44
Views: 5119

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: 27
Views: 1604

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: 68
Views: 2652

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: 68
Views: 2652

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: 68
Views: 2652

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: 27
Views: 1604

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: 68
Views: 2652

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: 68
Views: 2652

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: 68
Views: 2652

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: 26
Views: 2226

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: 27
Views: 1604

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: 27
Views: 1604

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: 27
Views: 1604

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: 33
Views: 2235

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: 2640

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: 4116

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: 6167

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: 2640
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