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Re: IRS Announces new 401(k) contribution max for 2015 ($18,

Thanks! If only IRAs would catch up or have the same limits.
by abuss368
Thu Oct 23, 2014 10:34 pm
 
Forum: Investing - Theory, News & General
Topic: IRS Announces new 401(k) contribution max for 2015 ($18,000)
Replies: 34
Views: 4474

Re: Rebalancing with dividends

I am rebalancing our AA in taxable account with new money from RMD and also by directing all dividend income from tax-inefficient funds, bond funds, into Vanguard TSM. I often see in these forums advice to accumulate dividends and invest in lum sum. Can someone explain why this better than buying r...
by abuss368
Thu Oct 23, 2014 2:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing with dividends
Replies: 9
Views: 1167

Re: Do all mutual funds have 12b-1 fees?

Vanguard does not charge their Shareholder's 12b-1 fees.
by abuss368
Thu Oct 23, 2014 2:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do all mutual funds have 12b-1 fees?
Replies: 23
Views: 1330

Re: Should I use margin to buy a balanced fund?

Bogleheads have found it to be an important investment principle not to invest of margin. In fact, Jack Bogle has often advised not to invest on margin in many of his interviews and excellent books.

We would be well to follow Mr. Bogle's advice.
by abuss368
Thu Oct 23, 2014 2:19 pm
 
Forum: Investing - Theory, News & General
Topic: Should I use margin to buy a balanced fund?
Replies: 380
Views: 33146

Re: Three Possible Outcomes for Future Investment Returns

My planning assumption is 0% real return. Anything above that is a bonus. if you will be OK with 0% real why not just do CDs, like 10 or 20 years, brokered, and you will get the inflation return with no risk.... Hi ArthurO, I would expect with many portfolio's, an investor runs the risks of having ...
by abuss368
Thu Oct 23, 2014 2:16 pm
 
Forum: Investing - Theory, News & General
Topic: Three Possible Outcomes for Future Investment Returns
Replies: 32
Views: 2251

Re: Why I won't have bond funds

I DO own bond funds but in a smaller proportion than I would like to have for somebody my age. My asset allocation has been approximately 70% stocks and 30% bonds and cash for a while. I feel like I am hanging way out there risk wise. But I share the concerns that others have about bonds, there mig...
by abuss368
Thu Oct 23, 2014 1:47 pm
 
Forum: Investing - Theory, News & General
Topic: Why I won't have bond funds
Replies: 47
Views: 6319

Re: 2 Fund + International?

Hi Put It On The List, That is really a strategy question to your portfolio in general. Essentially one strategy is based on "asset location" where stocks are in one account and bonds in another. The other strategy is "equal location" where basically the same funds are in the sam...
by abuss368
Wed Oct 22, 2014 2:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: 2 Fund + International?
Replies: 13
Views: 835

Re: Bond fund, why such high returns?

I was planning to invest in the following european bond fund: https://www.justetf.com/ch-en/etf-profile.html?region=Europe&index=EuroMTS%2BInvestment%2BGrade%2BEurozone%2BGovernment%2BBond&assetClass=class-bonds&distributionPolicy=distributionPolicy-accumulating&isin=FR0010028860&am...
by abuss368
Wed Oct 22, 2014 1:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond fund, why such high returns?
Replies: 13
Views: 1535

Re: Sold all my individual stocks, but....

Congrats. It is important not to becomes emotionally attached to individual stocks.

You are now on your way to becoming a Boglehead.
by abuss368
Wed Oct 22, 2014 1:40 pm
 
Forum: Investing - Theory, News & General
Topic: Sold all my individual stocks, but....
Replies: 5
Views: 873

Re: Why include International Index in AA?

I have been wondering about why to invest part of my AA in International stocks (VGTSX). I was reading up on the three fund portfolio and this was one thing I couldn't quite get my head around. It seems to me that most of the holdings in a broad US based index fund (VTSMX) contain companies that ha...
by abuss368
Wed Oct 22, 2014 1:39 pm
 
Forum: Investing - Theory, News & General
Topic: Why include International Index in AA?
Replies: 39
Views: 2582

Re: Vanguard Account Error [Roth gone missing]

I received a message from Vanguard late last week that their annual purge of $0 balance accounts would be deleted from the system over this past weekend. I logged on to check and our accounts were cleaned up. However, the same thing happened to us where accounts were "missing" for the mome...
by abuss368
Wed Oct 22, 2014 9:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Account Error [Roth gone missing]
Replies: 10
Views: 1140

Re: Write-off capital loss against capital gains?

The advice from your CPA is correct. You can deduct up to $3,000 per year in capital losses against ordinary income. The unused portion rolls forward indefinitely. I am aware of taxpayers who are still deducting $3,000 capital losses left over from the technology boom in 2000!
by abuss368
Wed Oct 22, 2014 9:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Write-off capital loss against capital gains?
Replies: 27
Views: 1239

Re: Bonds in taxable or tax advantaged?

The best portfolio is the one that works for you and allows you to stay the course.
by abuss368
Wed Oct 22, 2014 9:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Bonds in taxable or tax advantaged?
Replies: 9
Views: 853

Re: What Are We Doing To Our Young Investors?

This is really interesting and unfortunate.

Spreading the Boglehead message one investor at a time can continue to make a difference!
by abuss368
Tue Oct 21, 2014 5:23 pm
 
Forum: Investing - Theory, News & General
Topic: What Are We Doing To Our Young Investors?
Replies: 29
Views: 4114

Re: 529 Strategies

Consider Vanguard's website for additional 529 Plan information. I would also reach out and contact Vanguard directly. My experience was they were very helpful during the entire 529 Plan process.

Best.
by abuss368
Tue Oct 21, 2014 4:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529 Strategies
Replies: 3
Views: 634

Re: Bonds in taxable or tax advantaged?

That is really a strategy question to your portfolio in general. Essentially one strategy is based on "asset location" where stocks are in one account and bonds in another. The other strategy is "equal location" where basically the same funds are in the same accounts. There may b...
by abuss368
Tue Oct 21, 2014 4:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bonds in taxable or tax advantaged?
Replies: 9
Views: 853

Re: US REITs: An Expanding Market

To anyone who may be interested in expanding their education and knowledge of REITs, I recommend the excellent book "Investing in REITs" by Ralph Block. I recently purchased the 4th edition (I previously read the 3rd edition many years ago before the Great Recession) and it is well worth t...
by abuss368
Tue Oct 21, 2014 4:32 pm
 
Forum: Investing - Theory, News & General
Topic: US REITs: An Expanding Market
Replies: 29
Views: 3997

Re: TBM too much treasury?

I believe when most investing experts disagree, it probably does not matter much.
by abuss368
Tue Oct 21, 2014 4:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: TBM too much treasury?
Replies: 67
Views: 4305

Re: Why I won't have bond funds

I did read this article earlier today. I am not aware of many investors who have the stomach for that. Second, I found during the Great Recession that having bond funds provided a pool of funds that allowed us to rebalance into equities (along with fresh funds). Looking back, it was an excellent str...
by abuss368
Tue Oct 21, 2014 10:55 am
 
Forum: Investing - Theory, News & General
Topic: Why I won't have bond funds
Replies: 47
Views: 6319

Re: Advice sought for $6M investment

Haha, Jazztonight. It's real. I went to this forum because right now most everything is just seating in <1% savings accounts. I did move a little money (relatively) in an online portfolio just to get a feel for what it is (like seeing it shrinking over the last 2 weeks!). The world of investment is...
by abuss368
Tue Oct 21, 2014 10:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice sought for $6M investment
Replies: 36
Views: 3694

Re: Advice sought for $6M investment

lapuce wrote:Some colleagues went the "active" road with Merril Lynch and the likes, and they get calls pitching them to move into this new this or that. I don't buy it.


Hi lapuce,

If "Mother Merrill" comes a knocking don't go walking....run!!!

Best.
by abuss368
Tue Oct 21, 2014 10:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice sought for $6M investment
Replies: 36
Views: 3694

Re: Advice sought for $6M investment

Congrats on your financial success!
by abuss368
Mon Oct 20, 2014 12:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice sought for $6M investment
Replies: 36
Views: 3694

Re: Bond funds the experts recommend.

Bogleheads: When I am uncertain what to do, I listen to expert recommendations: William Bernstein -- Total Bond Market Jack Bogle -- Total Bond Market with Corporate Bonds Harry Browne -- Vanguard Long-Term Government Bond Rick Ferri -- Total Bond Market Harry Markowitz -- Total Bond Market Allan R...
by abuss368
Sun Oct 19, 2014 10:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: TBM too much treasury?
Replies: 67
Views: 4305

Re: My Anniversary [as Vanguard investor]

That is great and nice to hear from the company that Jack Bogle built!
by abuss368
Sun Oct 19, 2014 10:38 pm
 
Forum: Personal Consumer Issues
Topic: My Anniversary [as Vanguard investor]
Replies: 3
Views: 620

Re: Employer Profit Sharing Plan - High Fees!

The plan is not a 401(k), but rather a Profit Sharing Plan. You receive the contribution from the employer regardless of if you contribute funds.
by abuss368
Sat Oct 18, 2014 9:09 am
 
Forum: Investing - Theory, News & General
Topic: Employer Profit Sharing Plan - High Fees!
Replies: 5
Views: 433

Re: Employer Profit Sharing Plan - High Fees!

I should be with my employer the rest of my career. I have selected the lowest cost investment at 1% which is a Vanguard Target Fund. Not a mutual fund but repackaged by the insurance company. Then there is at least another .25 charged to our accounts. Besides the Vanguard Roth IRA, this is the only...
by abuss368
Sat Oct 18, 2014 8:19 am
 
Forum: Investing - Theory, News & General
Topic: Employer Profit Sharing Plan - High Fees!
Replies: 5
Views: 433

Employer Profit Sharing Plan - High Fees!

Bogleheads, I have a question regarding our employer profit sharing plan: * Not mutual funds but unit trusts * Insurance company - Transamerica * Traditional or Roth options * High fees of 1.25% or more * Employer makes profit sharing contributions each year even if employee contributions are $0. * ...
by abuss368
Fri Oct 17, 2014 11:26 pm
 
Forum: Investing - Theory, News & General
Topic: Employer Profit Sharing Plan - High Fees!
Replies: 5
Views: 433

Re: US REITs: An Expanding Market

I am not capable of outguessing what the market determines to be the "proper" valuation. Valuations for both bonds and equities may be inflated as a function of QE, but that tells me nothing about what will happen next for interest rates, and we know REITs are interest rate sensitive. Sim...
by abuss368
Fri Oct 17, 2014 10:05 pm
 
Forum: Investing - Theory, News & General
Topic: US REITs: An Expanding Market
Replies: 29
Views: 3997

Re: Tax Loss Harvesting VTIAX

Why not simply realize the losses and wait 31 days to take the position. This period of time will not even be a blip on the radar over the long term.

Keep investing simple.
by abuss368
Fri Oct 17, 2014 2:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting VTIAX
Replies: 18
Views: 1261

Re: Livesoft - Thank you

I have always enjoyed posts from Livesoft.

Stay the course!
by abuss368
Fri Oct 17, 2014 2:45 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Livesoft - Thank you
Replies: 37
Views: 4067

Re: TBM too much treasury?

As soon as there is market trauma Treasuries are invaluable in a portfolio and investors can not get enough.
by abuss368
Fri Oct 17, 2014 2:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: TBM too much treasury?
Replies: 67
Views: 4305

Re: The important things.

I have learned that any good low cost, diversified, intermediate term bond fund will provide safety and income to a portfolio. Abuss: That is also my conclusion. When experts disagree it is often because there is little (if any) foreseeable difference. Knowledgeable investors concentrate on the imp...
by abuss368
Fri Oct 17, 2014 2:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: TBM too much treasury?
Replies: 67
Views: 4305

Re: US REITs: An Expanding Market

fwiw Long term REIT earnings grow minus 1.5% in REAL terms So using a Gordon discount model and assuming say 3% div would give you about 1.5% real expected return, awfully low IMO for equity risks People chasing anything with yield drives prices until.... Larry Hi Larry, I would like to ask if you ...
by abuss368
Fri Oct 17, 2014 2:43 pm
 
Forum: Investing - Theory, News & General
Topic: US REITs: An Expanding Market
Replies: 29
Views: 3997

Re: Three fund allocation per Vanguard Flagship CFP?

I will try to stay on the topic of my original post. Spoke with a close friend who also sold their home this year. They are 64 and planning to retire in 5 years and want to increase retirement assets. They currently have $150K in IRA at Fidelity. They deposited $700,000 into Vanguard taxable accoun...
by abuss368
Fri Oct 17, 2014 10:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Three fund allocation per Vanguard Flagship CFP?
Replies: 45
Views: 4691

Re: lump sum [How to invest?]

I'm struggling over how to invest a 500k lump sum (pension). One advisor says Jackson Annuity with a 5% guarantee (3-3.5% cost per year). Last year Jackson made 24%. Our other advisor says Edward Jones IRA with a guarantee. That guarantee is 5%, or the market, whichever is higher. (One time 2.5% co...
by abuss368
Fri Oct 17, 2014 10:21 am
 
Forum: Investing - Help with Personal Investments
Topic: lump sum [How to invest?]
Replies: 5
Views: 645

Re: US REITs: An Expanding Market

Here is a helpful report by S&P on the expanding US REITs market. REITs: Making Property Accessible Rick Ferri Hi Rick, A very nice summary of the REIT industry and the growth of it since 1990's (i.e. 1960 REIT Act). REITs have come a long way and it appears as if the next big growth aspect of ...
by abuss368
Fri Oct 17, 2014 10:20 am
 
Forum: Investing - Theory, News & General
Topic: US REITs: An Expanding Market
Replies: 29
Views: 3997

Re: US REITs: An Expanding Market

What's a good measurement for determining if a REIT is a good buy? For individual REITS, Funds-from-Operations (FFO) is the traditional metric — and there's an explanation here of how to do the analysis. But it's a complicated process that involves a lot of research. For the REIT market as a whole ...
by abuss368
Fri Oct 17, 2014 10:12 am
 
Forum: Investing - Theory, News & General
Topic: US REITs: An Expanding Market
Replies: 29
Views: 3997

Re: US REITs: An Expanding Market

I thought Exhibit 8 was interesting... http://i1093.photobucket.com/albums/i426/DHoss83/64994836-18d7-4350-a2c0-5a6e0b24bb22.jpg It looks to me like the REIT yield premium has shrunk, especially when you consider that stock buybacks are in essence a dividend... not sure how you quantify buybacks wh...
by abuss368
Fri Oct 17, 2014 10:11 am
 
Forum: Investing - Theory, News & General
Topic: US REITs: An Expanding Market
Replies: 29
Views: 3997

Re: Aspiring Personal Finance Advisor

I would consider reviewing with both the AICPA and your state Board of Accountancy.

Then consider obtaining information from your state securities regulator.

Best.
by abuss368
Fri Oct 17, 2014 10:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Aspiring Personal Finance Advisor
Replies: 8
Views: 1404

Re: Current market volatility

Panic is good for my portfolio because I can buy more stock index funds at lower prices (with fresh cash and by rebalancing out of bonds). So, pass the word for everyone to start panic selling. :shock: THANK YOU! Rick Ferri Hi Rick, I could not have said it better myself. Warren Buffett says the sa...
by abuss368
Fri Oct 17, 2014 9:40 am
 
Forum: Investing - Theory, News & General
Topic: Current market volatility
Replies: 21
Views: 1636

Re: Portfolio Strategy

Hi Abuss368! - I have thought about the VG Balanced Index. Talk about set it and forget it, and the Admiral er of 0.09. That by itself or with one or two other funds to compliment it could be effective. Hi marklearnsbogle, Jack Bogle has often recommended index funds and very simple portfolios. The...
by abuss368
Fri Oct 17, 2014 9:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Strategy
Replies: 18
Views: 1025

Re: Does Total Bond Market have too much Treasury?

I've come across a few articles ( one quoting Jack Bogle ) suggesting that the Total Bond Index Fund is too heavy in government bonds and investors should consider adding Intermediate corporate bonds to achieve a better diversification . Any opinions on this? Mikle: Bonds are primarily for safety. ...
by abuss368
Fri Oct 17, 2014 9:35 am
 
Forum: Investing - Help with Personal Investments
Topic: TBM too much treasury?
Replies: 67
Views: 4305

Re: Best place (with warm weather) to raise children

Gill wrote:
abuss368 wrote:Tampa, Clearwater, or Sarasota Florida.

This is a 600 mile drive from the nearest mountains.
Gill


Sure but the original message referenced ocean, lake, mountains.

Best.
by abuss368
Fri Oct 17, 2014 9:33 am
 
Forum: Personal Consumer Issues
Topic: Best place (with warm weather) to raise children
Replies: 73
Views: 4997

Re: Best place (with warm weather) to raise children

Tampa, Clearwater, or Sarasota Florida.
by abuss368
Thu Oct 16, 2014 7:38 pm
 
Forum: Personal Consumer Issues
Topic: Best place (with warm weather) to raise children
Replies: 73
Views: 4997

Re: Portfolio Strategy

Out of curiosity, why target fund for tax advantaged vs three fund, if they were okay with three fund in taxable, as you mentioned no Admiral class for target? Essentially tax advantages for Intermediate Tax Exempt compared to Total Bond and Total International Bond in the target fund. The simplici...
by abuss368
Thu Oct 16, 2014 4:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Strategy
Replies: 18
Views: 1025

Re: TBM too much treasury?

In reviewing a lot of Vanguard's material on their website and reports it is very clear that the TIPS fund has fallen out of favor over the past couple of years. I suspect this is a result of the low interest rate and inflation rate we present find ourselves in. On the flip side, they are recommendi...
by abuss368
Thu Oct 16, 2014 3:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: TBM too much treasury?
Replies: 67
Views: 4305

Re: Portfolio Strategy

International REITs are more expensive than US REITs and I don't know their history as well (I'll have to do some research on them), so I haven't added them. The case for international bonds is very weak based on the research I have seen (particularly Vanguard's own paper on them). Hi asif408, I wo...
by abuss368
Thu Oct 16, 2014 3:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Strategy
Replies: 18
Views: 1025

Re: Portfolio Strategy

What's the allocation between the 3 funds in the Taxable account? 33-33-33? The asset allocation for the taxable account would be: 1) "Age in bonds" or "age less 10". 2) Equities would be sub allocated at 70% US Total Stock and 30% Total International. This follows Vanguard's Ta...
by abuss368
Thu Oct 16, 2014 3:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Strategy
Replies: 18
Views: 1025

Re: Portfolio Strategy

Are REITs, International REITS, International Bonds, TIPS, etc. really needed? Everything has been proven to revert to the mean correct? I look at the 10 year performance of the US REIT and Total Stock Index and now they are essentially the same. The only difference would be taxes paid. As a recent...
by abuss368
Thu Oct 16, 2014 3:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Strategy
Replies: 18
Views: 1025
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