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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: 26
Views: 2031

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: 14
Views: 1225

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: 26
Views: 2031

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: 8806

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: 8806

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: 1222

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: 2860

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.
by abuss368
Tue Apr 28, 2015 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: S. Corp questions
Replies: 32
Views: 2051

Re: S. Corp questions

This was never about us wanting to take large distributions in an attempt to pay less in payroll taxes. The subject matter was HOW the payroll taxes were going to be paid. The current way was with monthly installments to the IRS and state and a W2 was in the mix. New way would have been to take the...
by abuss368
Tue Apr 28, 2015 9:50 pm
Forum: Investing - Theory, News & General
Topic: Two Index Fund Studies: One Good Strategy
Replies: 6
Views: 1374

Re: Two Index Fund Studies: One Good Strategy

Thank you for sharing the reliable research Rick.

Best.
by abuss368
Tue Apr 28, 2015 9:48 pm
Forum: Investing - Help with Personal Investments
Topic: Can you improve this constructed portfolio?
Replies: 34
Views: 2107

Re: Can you improve this constructed portfolio?

No hate. In fact play a little music from the Doctor of love Barry White!
by abuss368
Tue Apr 28, 2015 3:32 pm
Forum: Investing - Help with Personal Investments
Topic: LifeStrategy Moderate Growth vs Separate funds
Replies: 50
Views: 5036

Re: LifeStrategy Moderate Growth vs Separate funds

Livesoft, I have a similar situation in that my portfolio is 45% taxable and 55% tax advantaged. Currently, I use the 3Fund portfolio with equity funds in the taxable and fixed income fund in the tax advantaged. (Note: due to my AA, I currently have an equity fund in my tax advantaged account). My ...
by abuss368
Tue Apr 28, 2015 3:21 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 796
Views: 108913

Re: What Movie Have You Recently Watched?

We rented Interstellar last weekend. Was an excellent movie. Really enjoyed it. Some of the planet hopping was a bit hard to believe, but overall, one I was happy to have spent the money! Interesting that you mention that. The previews looked good but a did not read a lot of good feedback. I hated ...
by abuss368
Tue Apr 28, 2015 11:54 am
Forum: Investing - Help with Personal Investments
Topic: Taxable Bond Fund Suggestions
Replies: 5
Views: 801

Re: Taxable Bond Fund Suggestions

The Vanguard Intermediate Term Tax Exempt Bond Fund is low cost and diversified and is an excellent choice that provides monthly cash flow from dividends.

Best.
by abuss368
Tue Apr 28, 2015 11:52 am
Forum: Investing - Help with Personal Investments
Topic: Investing 150k in the short term
Replies: 9
Views: 1036

Re: Investing 150k in the short term

I would recommend cash or a very short term bond fund.

Protecting the principal is important in your situation rather than risking it trying to gain more.
by abuss368
Tue Apr 28, 2015 11:50 am
Forum: Personal Consumer Issues
Topic: Documentaries to recommend?
Replies: 138
Views: 16652

Re: Documentaries to recommend?

"The Rape of Utopia" on Netflix. Just watched it. A good movie (but sad) story of the German's taking the art and treasures of Europe during World War II.
by abuss368
Tue Apr 28, 2015 11:49 am
Forum: Investing - Help with Personal Investments
Topic: bond allocation as retirement nears
Replies: 20
Views: 1279

Re: bond allocation as retirement nears

My I feel the hate coming on from you guys just because I may have embellished calling myself a Vanguard Expert. Maybe I'll just leave this site instead of helping people, which is why I joined. I've also asked questions to get feedback from you guys. So don't go on trying to keep up some pandering...
by abuss368
Tue Apr 28, 2015 11:48 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 796
Views: 108913

Re: What Movie Have You Recently Watched?

crinkles2 wrote:We rented Interstellar last weekend. Was an excellent movie. Really enjoyed it. Some of the planet hopping was a bit hard to believe, but overall, one I was happy to have spent the money!


Interesting that you mention that. The previews looked good but a did not read a lot of good feedback.
by abuss368
Tue Apr 28, 2015 11:46 am
Forum: Personal Finance (Not Investing)
Topic: S. Corp questions
Replies: 32
Views: 2051

Re: S. Corp questions

My CPA's advice for my S-Corp with me as only employee was to pay myself a W-2 salary and take S-Distributions. I paid myself a reasonable salary and did not push it. BTW, when organized as an S-Corp the retirement plan contributions (Solo 401k and/or SEP-IRA) are driven by your W-2 salary. Correct...
by abuss368
Mon Apr 27, 2015 10:14 pm
Forum: Investing - Help with Personal Investments
Topic: bond allocation as retirement nears
Replies: 20
Views: 1279

Re: bond allocation as retirement nears

I do not bother with CD's.
by abuss368
Mon Apr 27, 2015 10:09 pm
Forum: Investing - Help with Personal Investments
Topic: Can you improve this constructed portfolio?
Replies: 34
Views: 2107

Re: Can you improve this constructed portfolio?

Ditch the Total US Bond Index. You break out equites into large, small, and foreign – why not break bonds into smaller chunks? There are long, intermediate, short bonds. government, corporate, and junk bonds. The differences between either of these axis (time or quality) is much larger than the equ...
by abuss368
Mon Apr 27, 2015 10:05 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Bond Position at Vanguard
Replies: 6
Views: 572

Re: Help with Bond Position at Vanguard

One or two bond funds maximum is all that is needed (and usually one fund).
by abuss368
Mon Apr 27, 2015 10:03 pm
Forum: Investing - Help with Personal Investments
Topic: bond allocation as retirement nears
Replies: 20
Views: 1279

Re: bond allocation as retirement nears

My portfolio (35 years old), and based on my own risk tolerance - which I choose is 60% Stocks/40% Bonds is: 20% S&P 500 Index 20% Extended Market Index 10% REIT Index 10% Total International Index 40% Total Bond Index I know none of us know what will outperform in the future, but go use Portfo...
by abuss368
Mon Apr 27, 2015 9:53 pm
Forum: Investing - Theory, News & General
Topic: What is a Boglehead?
Replies: 55
Views: 2818

Re: What is a Boglehead?

Jack Bogle's Wisdom!
by abuss368
Mon Apr 27, 2015 9:48 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Bond Position at Vanguard
Replies: 6
Views: 572

Re: Help with Bond Position at Vanguard

Any low cost and diversified short or intermediate term bond fund should provide safety and income to a portfolio.

I like Total Bond Index and perhaps TIPS. I am still struggling to understand the big marketing push for Total International Bonds.
by abuss368
Mon Apr 27, 2015 9:43 pm
Forum: Investing - Help with Personal Investments
Topic: bond allocation as retirement nears
Replies: 20
Views: 1279

Re: bond allocation as retirement nears

Yea maybe that takes it too far. But I can repeat just about anything from the Website, porfolio construction of any fund, portfolio statistics, performances, and ticket symbols by memory, etc. But, based on your number of posts, maybe you got more on me :-). But I have about 8 straight years in st...
by abuss368
Mon Apr 27, 2015 9:41 pm
Forum: Investing - Help with Personal Investments
Topic: bond allocation as retirement nears
Replies: 20
Views: 1279

Re: bond allocation as retirement nears

One very easy solution is to put 40% of your portfolio in the total bond market index, and then have a 'bucket' that is 10% of your portfolio in the Vanguard Short Term Bond index fund. That way you can sleep knowing that you have 10% ready to distribute at any time if you need cash for an emergenc...
by abuss368
Mon Apr 27, 2015 9:30 pm
Forum: Investing - Help with Personal Investments
Topic: where to put my money?
Replies: 8
Views: 545

Re: where to put my money?

wkndplyr wrote:Thank you for the quick responses!!

I'm going to read some books first and ask many questions afterwards.


That is good plan. Stop back and ask any questions you may have. This is a great forum.
by abuss368
Mon Apr 27, 2015 9:28 pm
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 57
Views: 8223

Re: Improving the TSP [for current participants]

At its November 2014 meeting, the FRTIB approved a mutual fund window ("MFW") concept for the TSP. Here are links to: (1) the FRTIB's minutes on this topic ( see item 5.b.); (2) the memo from the TSP's Executive Director recommending a MFW; and (3) his accompanying PowerPoint presentation...
by abuss368
Mon Apr 27, 2015 9:01 pm
Forum: Investing - Help with Personal Investments
Topic: where to put my money?
Replies: 8
Views: 545

Re: where to put my money?

One thing to keep in mind is that you or a spouse will need to be able to manage the account 20 years from now when your financial abilities may not be up to doing keeping the index funds balanced. That is one of the reasons that I moving more and more towards the target date funds. This has been o...
by abuss368
Mon Apr 27, 2015 8:53 pm
Forum: Investing - Help with Personal Investments
Topic: where to put my money?
Replies: 8
Views: 545

Re: where to put my money?

Welcome to the forum. Please consider providing additional information. I would consider reading a good book on investing first. Here are some excellent and very easy choices: * John Bogle - The Little Book of Common Sense Investing. * The Bogleheads Guide to Investing. * John Brennan - Plain Talk o...
by abuss368
Mon Apr 27, 2015 8:47 pm
Forum: Investing - Theory, News & General
Topic: Who's holding cash?
Replies: 86
Views: 6172

Re: Who's holding cash?

Cash loses purchasing power daily to inflation.
by abuss368
Mon Apr 27, 2015 8:45 pm
Forum: Investing - Theory, News & General
Topic: Do REITs really offer effective portfolio diversification?
Replies: 108
Views: 8806

Re: Do REITs really offer effective portfolio diversificatio

I didn't read the whole thread so I hope this isn't redundant, but I came across this article discussing the "7 asset portfolio" by Craig Israelsen: http://www.hardassetsinvestor.com/hard-assets-university/23-hard-assets-302-guest-lectures/878-craig-israelsens-seven-asset-portfolio.html T...
by abuss368
Mon Apr 27, 2015 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Account Activity Alerts
Replies: 26
Views: 2177

Re: Vanaguard Account Activity Alerts

I received this message online Friday.
by abuss368
Mon Apr 27, 2015 8:33 pm
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 351
Views: 149195

Re: TV show recommendations?

We have been watching Madam Secretary.
by abuss368
Mon Apr 27, 2015 8:25 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 796
Views: 108913

Re: What Movie Have You Recently Watched?

joe8d wrote:
abuss368 wrote:Nick Cage "Joe" on Netflix. Strange!


Yes, but well acted.


I would agree. Different movie but very well acted.

Best.
by abuss368
Mon Apr 27, 2015 8:23 pm
Forum: Investing - Theory, News & General
Topic: Who's holding cash?
Replies: 86
Views: 6172

Re: Who's holding cash?

I would consider reading a good investment book. From there you want to develop an asset allocation and "stay the course".

Keep investing simple.
by abuss368
Mon Apr 27, 2015 8:20 pm
Forum: Investing - Theory, News & General
Topic: Do REITs really offer effective portfolio diversification?
Replies: 108
Views: 8806

Re: Do REITs really offer effective portfolio diversificatio

Aren't International REITs very tax-inefficient because you pay the taxes overseas but have no way of recuperating those costs? At least with US REITs you can put them in tax-deferred accounts. Someone correct me on this if I'm wrong. It is a toss up as there is the Foreign Tax Credit depending on ...
by abuss368
Mon Apr 27, 2015 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Help getting rid of debt
Replies: 56
Views: 3223

Re: Help getting rid of debt

What is your typical tax situation in terms of owing or receiving a refund? If you are receiving a tax refund, you may be able to adjust your withholdings to free up more cash during the year.
by abuss368
Mon Apr 27, 2015 2:06 pm
Forum: Investing - Theory, News & General
Topic: next ex div date [Ex-Dividend]
Replies: 13
Views: 1201

Re: next ex div date

Dividends are declared by the Board of Directors to Shareholders as of a specified date (i.e. record date). After a dividend is paid, the shares are trading "ex-dividend".
by abuss368
Mon Apr 27, 2015 2:04 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle at The Aspen Institute
Replies: 3
Views: 637

Re: Jack Bogle at The Aspen Institute

Thank you for sharing. I always enjoy listening to Mr. Bogle.
by abuss368
Mon Apr 27, 2015 2:03 pm
Forum: Investing - Theory, News & General
Topic: Who's holding cash?
Replies: 86
Views: 6172

Re: Who's holding cash?

We are maintaining our asset allocation and "Staying the course".

Market timing has been proven time and again to not work.

Best.
by abuss368
Mon Apr 27, 2015 2:01 pm
Forum: Investing - Theory, News & General
Topic: Vanguard REIT Index Fund
Replies: 5
Views: 1483

Re: Vanguard REIT Index Fund

In August of 2016 (being planned and communicated presently) Real Estate will become a new sector class that will include Real Estate companies and Equity only REITs. These companies will no longer be grouped with Financials. Mortgage REITs will continue to be grouped with Financials. This change wa...
by abuss368
Mon Apr 27, 2015 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: Questions about VNQI
Replies: 14
Views: 1514

Re: Questions about VNQI

watchnerd wrote:As for purchase and redemption fees, it's an ETF, so not quite sure what you're referring to (unless it's something specific to Vanguard brokerage accounts).


Hi watchnerd,

I was referring to the purchase and redemption fees for the index shares rather than the ETF.

Best.
by abuss368
Mon Apr 27, 2015 1:51 pm
Forum: Investing - Theory, News & General
Topic: Do REITs really offer effective portfolio diversification?
Replies: 108
Views: 8806

Re: Do REITs really offer effective portfolio diversificatio

gasdoc wrote:For me, the more I keep investing to a simple, straightforward process, the less I am distracted by "the noise."


This is a good strategy. I would stay the course.

Best.
by abuss368
Mon Apr 27, 2015 1:45 pm
Forum: Investing - Theory, News & General
Topic: Do REITs really offer effective portfolio diversification?
Replies: 108
Views: 8806

Re: Do REITs really offer effective portfolio diversificatio

ankonaman wrote:Well this begs the question how much REIT exposure is alread baked into the Vanguard Total US Stock market Index Fund?


Hi ankonaman,

I believe the allocation (which adjusts over time) is approximately 3% - 4% of the Total Stock Market Index.

Best.
by abuss368
Mon Apr 27, 2015 1:43 pm
Forum: Investing - Theory, News & General
Topic: Do REITs really offer effective portfolio diversification?
Replies: 108
Views: 8806

Re: Do REITs really offer effective portfolio diversificatio

Maybe someone could explain for me why REITs would be any more important as a diversification tool than, say, a health care sector fund, or a heavy metals fund. I would guess any number of examples could be found where as a group some sector behaves quite differently from the equities market as a w...
by abuss368
Mon Apr 27, 2015 1:42 pm
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 351
Views: 149195

Re: TV show recommendations?

jay22 wrote:
abuss368 wrote:I am thinking about watching The West Wing on Netflix. Anyone recommend?

You'd love it if you liked House of Cards.


Thanks! I am looking forward to the series.
by abuss368
Mon Apr 27, 2015 1:41 pm
Forum: Investing - Help with Personal Investments
Topic: Why I Chose Target Retirement Funds
Replies: 54
Views: 6376

Re: Why I Chose Target Retirement Funds

I beg to differ on the expense ratio! $40 a month IS a big deal and a $500,000 portfolio is not large enough to make $40 month insignificant. When I first started I owned target retirement funds but I jumped ship for lower fees and more personalization. I laugh at the posts that claim they have mor...

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