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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: 34
Views: 3314

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: 64
Views: 3696

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: 579

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: 427

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: 427

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: 427

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: 27
Views: 3597

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: 1232

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: 3980

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: 64
Views: 3696

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: 64
Views: 3696

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: 27
Views: 3597

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: 4639

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: 631

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: 27
Views: 3597

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: 27
Views: 3597

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: 27
Views: 3597

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: 1390

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: 1626

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: 1007

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: 64
Views: 3696

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: 64
Views: 3706

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: 64
Views: 3706

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: 1007

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: 64
Views: 3696

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: 1007

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: 1007

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: 1007

Re: TBM too much treasury?

Jack Bogle, who knows more about investing and specifically bond fund investing has said that an investor could allocate a portion to Intermediate Index Fund or Intermediate Investment Grade Fund to move the needle a little in terms of yield. Let's step back and look at this on a broad level. Mr. Bo...
by abuss368
Thu Oct 16, 2014 2:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: TBM too much treasury?
Replies: 64
Views: 3696

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.
by abuss368
Thu Oct 16, 2014 11:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Strategy
Replies: 18
Views: 1007

Re: Portfolio Strategy

I know I am learning towards this portfolio strategy too now that I have seen it put into practice with relatives and for a few other reasons. * Jack Bogle - Mr. Bogle has always recommended a couple of index funds. There are more interviews and articles (and his excellent books) than I can remember...
by abuss368
Thu Oct 16, 2014 11:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Strategy
Replies: 18
Views: 1007

Portfolio Strategy

Bogleheads, I recently helped two family members with the following Vanguard portfolio: Taxable Account - Three Fund Portfolio * Total Stock Index * Total International Index * Intermediate Term Tax Exempt Tax Advantage Target Retirement Fund 2025 Questions/Notes 1) What are the thoughts on this por...
by abuss368
Thu Oct 16, 2014 11:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Strategy
Replies: 18
Views: 1007

Re: Headed for a 300+ point loss today?

Browser wrote:So far over 24,000 views by folks who don't care about market losses and/or welcome them as a great buying opportunity. Wonder what the average equity allocation is of the peekers?


Hi Browser,

Excellent observation.

Stay the course!
by abuss368
Thu Oct 16, 2014 11:20 am
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 428
Views: 27803

Re: Dry Powder

I do not think there is anything wrong with the strategy is that allows peace of mind. We would be comparing cash to bonds in a low interest rate environment.
by abuss368
Thu Oct 16, 2014 10:32 am
 
Forum: Investing - Theory, News & General
Topic: Dry Powder
Replies: 49
Views: 3484

Re: investing in bear market

Agreed - to the Oracle you listen: “Whether socks or stocks, I like buying quality merchandise when it is marked down.” I just read a comment from an interview he did last week where he compared it to going to the supermarket and buying hamburger when it is on sale. That folks need to think of inve...
by abuss368
Thu Oct 16, 2014 10:30 am
 
Forum: Investing - Help with Personal Investments
Topic: investing in bear market
Replies: 29
Views: 2234

Re: Airline carry on limits

In July I took a Delta evening flight from San Diego to San Juan via JFK, the flight was packed and before boarding the plane everyone was given the opportunity to check in the baggage for free, that was a good deal. But then you still have to wait for it at the baggage return don't you? That waste...
by abuss368
Thu Oct 16, 2014 10:29 am
 
Forum: Personal Consumer Issues
Topic: Airline carry on limits
Replies: 57
Views: 2740

Re: Dry Powder

If that works for you, there is no harm in that strategy. I simple contribute new funds to the asset class that is below the target. The bond funds also provide an additional pool of funds to rebalance if needed. The most important aspect is determining your asset allocation based on goals, time fra...
by abuss368
Thu Oct 16, 2014 10:27 am
 
Forum: Investing - Theory, News & General
Topic: Dry Powder
Replies: 49
Views: 3484

Re: Headed for a 300+ point loss today?

I will continue to "stay the course" and invest more.
by abuss368
Thu Oct 16, 2014 10:24 am
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 428
Views: 27803

Re: Why are 401k plans expensive?

401(k) plans are a challenge. A few years ago, the disclosure requirements in terms of fees were implemented. I expected that to have a little more impact than it appears to have been.

Best.
by abuss368
Thu Oct 16, 2014 10:24 am
 
Forum: Investing - Theory, News & General
Topic: Why are 401k plans expensive?
Replies: 39
Views: 2941

Re: Which HDHP Plan to choose?

I would go with Option 2. The premium difference is about $1000/yr, but the employer makes up $800 of it by contributing to the HSA. So, for $200/yr, you are reducing your out of pocket max and deductible by over $2000. I view that as a reasonable insurance premium in case of unexpected medical exp...
by abuss368
Thu Oct 16, 2014 10:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Which HDHP Plan to choose?
Replies: 7
Views: 428

Re: Moving IRA from TD to Vanguard

Well, my wife said that I was just CHEAP! Vanguard is helpful but I felt intimidated investing such a large sum, not that I'm prescient about the market. If I do not liquidate 90% of that TDAmeritrade portfolio, I'll be fumbling during this downturn and become rudderless. Always move forward and do...
by abuss368
Thu Oct 16, 2014 10:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Moving IRA from TD to Vanguard
Replies: 22
Views: 1293

Re: Allan Roth

ObliviousInvestor wrote:My understanding is that he's now writing for AARP instead:
http://blog.aarp.org/author/aarparoth/


Interesting. I typically do not see him post often on the forum.

Thank you for sharing.
by abuss368
Thu Oct 16, 2014 10:19 am
 
Forum: Investing - Theory, News & General
Topic: Allan Roth
Replies: 9
Views: 1580

Re: investing in bear market

Wait! How do you know we are in a "bear" market? If that is the case, I will sell everything and invest in "SDS" which is a short fund with a multiple that should allow me to out perform. Then when the market hits the bottom, I will invest in index funds again! This will work! Bo...
by abuss368
Thu Oct 16, 2014 10:19 am
 
Forum: Investing - Help with Personal Investments
Topic: investing in bear market
Replies: 29
Views: 2234

Re: Which HDHP Plan to choose?

It is a complete toss up and educated guess. Our health insurance brokers tell us that very bluntly every single year. No one can predict sickness or other unforeseen health expenses.

Best.
by abuss368
Thu Oct 16, 2014 10:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Which HDHP Plan to choose?
Replies: 7
Views: 428

Re: Reverse Mortgages

My Father In Law talked about it a little but never pulled the trigger. My understanding is that the fees are much higher.

Best.
by abuss368
Thu Oct 16, 2014 10:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Reverse Mortgages
Replies: 21
Views: 2048

Re: Can anybody to backdoor Roth IRA investments?

Hello, I don't really understand the backdoor RIRA thing. I hope somebody can share their knowledge with me. Can anybody invest by using backdoor RIRA method? I would like to invest in Roth IRA for my DH and myself ASAP (I've been waiting almost a whole year to invest in RIRA's already), but I will...
by abuss368
Thu Oct 16, 2014 10:11 am
 
Forum: Investing - Theory, News & General
Topic: Can anybody to backdoor Roth IRA investments?
Replies: 9
Views: 902

Re: Allan Roth

I am unaware of the website. I believe however, that Allan Roth does post to this forum.

Best.
by abuss368
Thu Oct 16, 2014 10:08 am
 
Forum: Investing - Theory, News & General
Topic: Allan Roth
Replies: 9
Views: 1580

Re: Moving IRA from TD to Vanguard

Hi htdrag11,

Congrats on your retirement!

I would consider contacting Vanguard. They have made the transfer process very simple and will work with TD and you to complete the process.

As Jack Bogle has stated many times over: "Costs count".

Best.
by abuss368
Thu Oct 16, 2014 9:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Moving IRA from TD to Vanguard
Replies: 22
Views: 1293

Re: Retired, my viewpoint has changed again.

I have found it most interesting to observe myself as I move towards retirement, and thought perhaps some of my observations could be of interest to others. Roughly I have mentally gone from: "I need enough to not eat cat food, and cover any medical expenses" to "I am my number - how...
by abuss368
Thu Oct 16, 2014 9:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Retired, my viewpoint has changed again.
Replies: 22
Views: 3114

Re: Who should regularly contribute to taxable investments?

Paying off a mortgage before investing in taxable is not a given. If someone has a low interest rate, it can make sense to not pay off the mortgage early. If someone inherits a taxable account, if they receive a large gift, or if they win a big lottery prize, they cannot just transfer it to an IRA....
by abuss368
Tue Oct 14, 2014 11:48 am
 
Forum: Investing - Theory, News & General
Topic: Who should regularly contribute to taxable investments?
Replies: 34
Views: 3529
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