Search found 8228 matches

by abuss368
Tue Jul 28, 2015 12:50 pm
Forum: Investing - Help with Personal Investments
Topic: Looking to Simplify Portfolio
Replies: 32
Views: 1580

Re: "Investor Questionnaire"

I have been reading up on everything that has been provided; especially the Asset Allocation in Multiple Accounts wiki. TinyElvis: Your stock/fixed-income allocation may be the most important investment decision you will make (individual funds are much less important). More than anything else, your...
by abuss368
Tue Jul 28, 2015 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Just Got Financially Independent
Replies: 32
Views: 2556

Re: Just Got Financially Independent

Congrats!

The feeling on knowing "you made it" must be awesome!
by abuss368
Tue Jul 28, 2015 12:15 pm
Forum: Investing - Theory, News & General
Topic: A bit of gold?
Replies: 35
Views: 1170

Re: A bit of gold?

Bogleheads, I always enjoy Warren Buffett when speaking about gold. He so often notes that it is a pretty little rock that we are going to pay a lot of money to mine, guard, watch over, etc. In a 100 years time, it will still be a rock. There are no earnings! If you are interested look back 2 - 3 ye...
by abuss368
Tue Jul 28, 2015 10:30 am
Forum: Investing - Help with Personal Investments
Topic: Moving from TIPs fund to TIPs ladder???
Replies: 17
Views: 918

Re: Moving from TIPs fund to TIPs ladder???

What is the nominal yield for the Vanguard Intermediate TIPS fund?
by abuss368
Tue Jul 28, 2015 9:15 am
Forum: Investing - Help with Personal Investments
Topic: Do I dump the Vanguard energy Fund in my 401k
Replies: 32
Views: 2784

Re: Do I dump the Vanguard energy Fund in my 401k

Jack Bogle has often said an investor could go their lifetime with no sector fund and never miss it.

Keep investing simple!
by abuss368
Tue Jul 28, 2015 9:09 am
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 95
Views: 13258

Re: South Florida Local Chapter

Hi Bogleheads,

It looks like you had a great and rewarding time!

Best.
by abuss368
Tue Jul 28, 2015 9:07 am
Forum: Investing - Theory, News & General
Topic: "Has the Index Fund Won?" by Jack Bogle
Replies: 7
Views: 1921

Re: "Has the Index Fund Won?" by Jack Bogle

Thanks for telling us about the article and the quotes. I like the reminders I get with I log on here as to why I use index funds and don't try to trade. I don't think I will hold them forever, but I at least plan to hold them until I need to sell for income in retirement. I want to hold my index f...
by abuss368
Tue Jul 28, 2015 9:06 am
Forum: Investing - Help with Personal Investments
Topic: Moving from TIPs fund to TIPs ladder???
Replies: 17
Views: 918

Re: Moving from TIPs fund to TIPs ladder???

I am 55 years old and hope to retire in the next few years. I have accumulated a solid (~$5mm) and conservative (~35/65) portfolio but will have no pension income other than social security, which I expect will cover ~25% of my retirement spending. I will be thus be counting on my portfolio to fund...
by abuss368
Tue Jul 28, 2015 8:58 am
Forum: Personal Consumer Issues
Topic: wife got in wreck with Honda CRV - no collison coverage
Replies: 71
Views: 3084

Re: wife got in wreck with Honda CRV - no collison coverage

The most important thing is your wife is healthy!

We have never dropped collision for any reason for these exact reasons.

Best.
by abuss368
Tue Jul 28, 2015 8:56 am
Forum: Forum Issues and Administration
Topic: Are Things Slowing Down Again?
Replies: 10
Views: 1346

Re: Are Things Slowing Down Again?

The forum is running very fast again!

Thank you Bogleheads!
by abuss368
Tue Jul 28, 2015 8:55 am
Forum: Investing - Help with Personal Investments
Topic: Penny Stocks
Replies: 23
Views: 1535

Re: Penny Stocks

Has anyone had any experience with Peter Leed's penny stock newsletter? I read his book Penny Stocks for Dummies and found it informative for individual stock selection. Hi Gbean, Many years ago we gave up trying to beat the markets and our subscription to stock picking newsletters. More times than...
by abuss368
Tue Jul 28, 2015 8:46 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 990
Views: 157817

Re: What Movie Have You Recently Watched?

The Frozen Ground on Netflix with Nicolas Cage and John Cusack. Good movie based on true events.
by abuss368
Tue Jul 28, 2015 8:42 am
Forum: Investing - Help with Personal Investments
Topic: All REIT roth?
Replies: 20
Views: 1462

Re: All REIT roth?

Have you considered adding International REITs to further diversify?
by abuss368
Mon Jul 27, 2015 4:42 pm
Forum: Investing - Theory, News & General
Topic: Scott Burns – Don’t quit your day job.
Replies: 92
Views: 8425

Re: Scott Burns – Don’t quit your day job.

Thank you for sharing.

We have always looked for ways to increase our retirement contributions each and every year.

Best.
by abuss368
Mon Jul 27, 2015 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: How long until a $10,000 loss matters?
Replies: 39
Views: 3234

Re: How long until a $10,000 loss matters?

It is not a loss until you sell.

Jack Bogle has always said: "stay the course"!
by abuss368
Mon Jul 27, 2015 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: All REIT roth?
Replies: 20
Views: 1462

Re: All REIT roth?

Hi Jay,

Rick Ferri often recommends this portfolio and refers to it as The Core Four.

Best.
by abuss368
Mon Jul 27, 2015 2:54 pm
Forum: Personal Consumer Issues
Topic: FWD vs AWD (Vehicle)
Replies: 60
Views: 2247

Re: FWD vs AWD

For the small difference I would consider AWD. I had a relative who went with FWD and the savings that were small. They regretted it the first winter with snow. I would rather have the safety and comfort.

Best.
by abuss368
Mon Jul 27, 2015 2:53 pm
Forum: Investing - Help with Personal Investments
Topic: Why invest in BNDX's when 30 day SEC yield = 0.76%.
Replies: 102
Views: 6646

Re: Why invest in BNDX's when 30 day SEC yield = 0.76%.

Bogleheads, I recently read a study regarding the TSP plan and the consideration of additional investments for the plan. My understanding is the TSP plan is a simple plan of either Target Funds of individual funds such as US Stock, International Stock, US Bond, a bond fund that resets interest rates...
by abuss368
Mon Jul 27, 2015 2:49 pm
Forum: Investing - Theory, News & General
Topic: "Has the Index Fund Won?" by Jack Bogle
Replies: 7
Views: 1921

Re: "Has the Index Fund Won?" by Jack Bogle

Hi Taylor,

I read the excellent interviews with Jack. In the one, he really was not supportive of international investing.

Thank you Jack Bogle for creating Vanguard!

Best.
by abuss368
Mon Jul 27, 2015 2:47 pm
Forum: Personal Consumer Issues
Topic: Would you look down on a co-worker for driving a beater?
Replies: 130
Views: 7271

Re: Would you look down on a co-worker for driving a beater?

No chance. I actually shake my head at some of the vehicles in our parking lot.

I would rather focus on retiring early.
by abuss368
Mon Jul 27, 2015 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Where do you keep/park your emergency fund?
Replies: 48
Views: 4630

Re: Where do you keep/park your emergency fund?

Hi Gemini,

Our cash if simple and available in a savings account.

We sleep well at night with the strategy.

Best.
by abuss368
Mon Jul 27, 2015 2:45 pm
Forum: Investing - Theory, News & General
Topic: Bond Market’s Got It All Wrong ?
Replies: 10
Views: 1627

Re: Bond Market’s Got It All Wrong ?

I always believed it was foolish as an individual investor to try and predict interest rates and the direction of the bond market when compared to investment experts.
by abuss368
Mon Jul 27, 2015 2:44 pm
Forum: Investing - Theory, News & General
Topic: Bond Market’s Got It All Wrong ?
Replies: 10
Views: 1627

Re: Bond Market’s Got It All Wrong ?

Bogleheads,

Should the calculation of inflation exceed expectations, the role of TIPS in a portfolio will provide additional inflation protection.

Best.
by abuss368
Mon Jul 27, 2015 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: How long until a $10,000 loss matters?
Replies: 39
Views: 3234

Re: How long until a $10,000 loss matters?

My portfolio is down well over $10,000 over the past week. No big deal the market ebbs and flows and I am still drawing a steady check. I was wondering when you are retired how long does it take and how large a loss before you think this might have a material effect on my retirement? Hi TheTimeLord...
by abuss368
Mon Jul 27, 2015 2:40 pm
Forum: Investing - Theory, News & General
Topic: "How the Pros Manage Assets for Retirees"
Replies: 7
Views: 1588

Re: "How the Pros Manage Assets for Retirees"

Hi Taylor,

Thank you fro sharing. The Vanguard Target retirement funds are hard to beat from a simplicity perspective. Four excellent low cost total market funds that are balanced for the individual investor.

Thank you Vanguard and Thank you Jack Bogle!
by abuss368
Mon Jul 27, 2015 2:38 pm
Forum: Investing - Help with Personal Investments
Topic: Need a Piece of Evidence on the Boglehead Strategy
Replies: 32
Views: 2376

Re: Need a Piece of Evidence on the Boglehead Strategy

Hey Everyone, I received some very thoughtful responses to a question I asked last time about moving mine and my wife's portfolio from an adviser that charges a 1% fee to Vanguard. This person also I'm just finding out has us invested in funds with a load of 5.75% on average, which I'm assuming we ...
by abuss368
Sat Jul 25, 2015 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Where do you keep/park your emergency fund?
Replies: 48
Views: 4630

Re: Where do you keep/park your emergency fund?

Buried with the bird food in the back yard like Mr. Soprano did!
by abuss368
Sat Jul 25, 2015 9:09 pm
Forum: Investing - Help with Personal Investments
Topic: Why invest in BNDX's when 30 day SEC yield = 0.76%.
Replies: 102
Views: 6646

Re: Why invest in BNDX's when 30 day SEC yield = 0.76%.

Emerging market or not, we all understand the difference in risk between USD-denominated and local-denominated. If this difference could be bridged at negligible additional risk by third parties, USD-denominated bonds would have no reason to exist. It must be the case that currency hedging is somew...
by abuss368
Wed Jul 22, 2015 10:15 pm
Forum: Personal Consumer Issues
Topic: Greatest money lesson movie
Replies: 63
Views: 5467

Re: Greatest money lesson movie

I.O. USA with David Walker, CPA, Comptroller General of the United States under President Clinton and President Bush.
by abuss368
Wed Jul 22, 2015 10:14 pm
Forum: Investing - Theory, News & General
Topic: Does how often you check your portfolio correlate with returns
Replies: 35
Views: 2639

Re: Stupid me.

Larry: Thank you for sharing another excellent article. This sentence caught my eye: The less you indulge in financial media that shows how the market is doing and the less you pay attention to economic or market forecasts (because they can cause you to imagine pain), the more successful an investo...
by abuss368
Wed Jul 22, 2015 10:11 pm
Forum: Investing - Help with Personal Investments
Topic: Advice Sought in International Fund Choice
Replies: 24
Views: 1350

Re: Why not follow Vanguard experts?

I have been invested in a two-fund portfolio: VTSAX: Vanguard Total Stock Market VNTLX: Vanguard Total Bond Market Bertilak: You are invested in the two funds recommended by Mr. Bogle in his Little Book of Common Sense Investing. I am confident you are outperforming (risk/return) the vast majority ...
by abuss368
Wed Jul 22, 2015 10:07 pm
Forum: Investing - Help with Personal Investments
Topic: Better to realize stock losses in taxable or TIRA?
Replies: 18
Views: 1175

Re: Better to realize stock losses in taxable or TIRA?

Hi bpg1234,

Unfortunately an investor can not tax lost harvest any losses in an IRA account. This is a taxable account only strategy.

Best.
by abuss368
Wed Jul 22, 2015 9:57 pm
Forum: Personal Consumer Issues
Topic: Greatest money lesson movie
Replies: 63
Views: 5467

Re: Greatest money lesson movie

The Wolf of Wall Street!
by abuss368
Wed Jul 22, 2015 9:55 pm
Forum: Investing - Help with Personal Investments
Topic: Why invest in BNDX's when 30 day SEC yield = 0.76%.
Replies: 102
Views: 6646

Re: Why invest in BNDX's when 30 day SEC yield = 0.76%.

We are all learning about this asset class and the nature of the derivative (which I do not understand completely) is causing me to not invest in the fund at this time. To be fair, Vanguard's domestic bond funds also use derivatives, and I don't understand them completely either. Total Bond fund ha...
by abuss368
Wed Jul 22, 2015 11:09 am
Forum: Personal Consumer Issues
Topic: Greatest money lesson movie
Replies: 63
Views: 5467

Re: Greatest money lesson movie

Wall Street and Gordon Gekko "Greed is Good"!
by abuss368
Wed Jul 22, 2015 11:08 am
Forum: Investing - Theory, News & General
Topic: Why I Said "No" to Peer-to-Peer Lending
Replies: 66
Views: 6002

Re: Why I Said "No" to Peer-to-Peer Lending

Peer-to-Peer (P2P) lending is a high-cost investment with single-party risk. Why I Said "No" to Peer-to-Peer Lending I do not consider this to be a Boglehead investment, but for those who do, here are all the risks and benefits. Hi Louis c, I would agree with your excellent conclusion. We...
by abuss368
Wed Jul 22, 2015 11:05 am
Forum: Investing - Theory, News & General
Topic: TRRKX (TDF) outperforms the Vanguard 3 fund ??
Replies: 6
Views: 955

Re: TRRKX (TDF) outperforms the Vanguard 3 fund ??

I currently have TRRKX in my 401k and I ran some historical numbers using backtest portfolio asset allocation site. The returns were higher over a 10 year period using the TDF rather than the 3 fund. Does that sound accurate? Also, I think it factors in ER when giving the annual returns. Hi Domer03...
by abuss368
Wed Jul 22, 2015 11:01 am
Forum: Investing - Theory, News & General
Topic: TIPS - Did you give up?
Replies: 112
Views: 11555

Re: TIPS - Did you give up?

Bogleheads, At the end of the day, TIPS are Treasury bonds and backed by the full faith and credit of the Untied States. International bonds, which Vanguard is heavily marketing, includes derivatives to create some financial instrument. I can not help but think if international bonds will do the job...
by abuss368
Wed Jul 22, 2015 10:58 am
Forum: Personal Consumer Issues
Topic: Worst financial book you have read (or will admit you have read)
Replies: 90
Views: 8493

Re: Worst financial book you have read (or will admit you have read)

SGM wrote:So do you throw these books away or donate them to a library or thrift shop so someone else will get suspect advice?


Hi SGM,

That is interesting and I never really thought of it. Truth be told, I donated the Donald Trump books to the library and now I am second guessing that decision!

Best.
by abuss368
Wed Jul 22, 2015 10:13 am
Forum: Investing - Help with Personal Investments
Topic: Why invest in BNDX's when 30 day SEC yield = 0.76%.
Replies: 102
Views: 6646

Re: Why invest in BNDX's when 30 day SEC yield = 0.76%.

Bogleheads, These are the exact posts and responses I have been wanting to read about and discuss. This asset class is now available in a low cost index fund from Vanguard. We are all learning about this asset class and the nature of the derivative (which I do not understand completely) is causing m...
by abuss368
Wed Jul 22, 2015 9:43 am
Forum: Investing - Theory, News & General
Topic: Is Harry Markowitz wrong? Why Optimal Portfolios Are So Difficult To Create
Replies: 33
Views: 2970

Re: Is Harry Markowitz wrong? Why Optimal Portfolios Are So Difficult To Create

Hi Rick, How about a future article on the Yale Portfolio from "Unconventional Success" written by David Swensen for the individual investor? Would that be possible? I would be interested in your thoughts. Best. +1 Just finished reading his book. Excellent read. Hi archii, I think David S...
by abuss368
Wed Jul 22, 2015 12:30 am
Forum: Investing - Help with Personal Investments
Topic: Why invest in BNDX's when 30 day SEC yield = 0.76%.
Replies: 102
Views: 6646

Re: Why invest in BNDX's when 30 day SEC yield = 0.76%.

Exactly. That is the one area I too am concerned with and would like additional information. What happens to currency hedging and derivates in times of financial market trauma if a derivative market dries up and there are no active buyers and sellers. Abuss, your question is really good. Why don't ...
by abuss368
Tue Jul 21, 2015 10:21 pm
Forum: Investing - Help with Personal Investments
Topic: This Is Why You Don't Buy Individual Stock
Replies: 11
Views: 2640

Re: This Is Why You Don't Buy Individual Stock

This article is one of the many reasons you should not buy individual stock. http://in.reuters.com/article/2015/07/21/chesapeake-enrgy-dividends-idINL3N1013ZC20150721 Hi spirogruf, Thank you for the article. I have read about this company for the past few years in The Wall Street Journal. Lesson le...
by abuss368
Tue Jul 21, 2015 10:17 pm
Forum: Investing - Help with Personal Investments
Topic: Why invest in BNDX's when 30 day SEC yield = 0.76%.
Replies: 102
Views: 6646

Re: Why invest in BNDX's when 30 day SEC yield = 0.76%.

I also think that the currency hedging ( and currency exchange rates) adds risk and complexity and I am not sure if this is a fund for an average US investor. But I also have a lot of trust in the people at Vanguard who put these bonds in the target retirement portfolios. The more I think about thi...
by abuss368
Tue Jul 21, 2015 10:15 pm
Forum: Investing - Help with Personal Investments
Topic: Why invest in BNDX's when 30 day SEC yield = 0.76%.
Replies: 102
Views: 6646

Re: Why invest in BNDX's when 30 day SEC yield = 0.76%.

This is one question that I have been unable to find an answer to. When reviewing the fund's financial statements, there is a note disclosure regarding the substantial derivatives the funds uses. This may be the one huge difference in the decision to invest in a foreign bond fund or not. I have rea...
by abuss368
Tue Jul 21, 2015 10:12 pm
Forum: Personal Consumer Issues
Topic: Worst financial book you have read (or will admit you have read)
Replies: 90
Views: 8493

Re: Worst financial book you have read (or will admit you have read)

Bogleheads, Has anyone else read any of Donald Trump's many books? They appear to be more entertainment and self promotion than actionable advice or strategies. Have not read the books, but the "Recipe for Success" seems to be. First Inherit about $200 Million, then use Bankruptcy laws to...
by abuss368
Tue Jul 21, 2015 10:11 pm
Forum: Investing - Theory, News & General
Topic: TIPS - Did you give up?
Replies: 112
Views: 11555

Re: TIPS - Did you give up?

All of mine are individual bonds with long dates. I still think inflation's inevitable and so they're a cheap hedge. I did refuse to buy them at negative yields, though. At present I'm no longer adding to my position until I have more space in tax deferred and the real yields are more attractive. H...
by abuss368
Tue Jul 21, 2015 10:09 pm
Forum: Investing - Theory, News & General
Topic: TIPS - Did you give up?
Replies: 112
Views: 11555

Re: TIPS - Did you give up?

If your personal situation is indifferent to potential increases in expected inflation, then you're good to go and you can forget all of these TIPS threads. If your personal situation is exposed to increased inflation risk (like we are as retirees), then you may want to think about diversifying you...

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