Bogleheads.org

TIPS do not protect against inflation but rather unexpected inflation. There is a difference.

There is a cost for this protection as well.

These two funds are different and hard to compare.

Stay with the simplicity and all market approach of the Total Bond Market fund.

In fact, it is Mr. Bogle's favorite bond fund.

Best.

So I don't need a full portfolio review or anything. I'm happy with my investments as is in general. Everything is highly Boglehead already. Just need some input. Basics: My age: 38 Basic equaity allocation: Age-10 in bonds Current allocation (across taxable, 401k (with self-directed option), rolle...

Hi Mel,

Thanks for posting. Another awesome speech by our mentor Jack Bogle!

Best.

David Swensen advises to avoid foreign bonds in Unconventional Success.

You don't need to place them in a tax advantaged account only.

Interesting article.

Thanks.

I like to keep things simple. REIT's pass 90% of profit through as a dividend. Dividends moved from 6%-8% to 3%. Unless you have a reasonable expectation that rents will double in a relatively short time period, the speculative return should be assumed to be negative. At the same time, there is evi...

Having the same problem for a while now. Downloaded the file multiple times with no change.

An investor can use an equal location or asset location approach. Rick Ferri and another advisor who used to post here, recommend equal location. This approach is low cost with admiral shares, diversified, easy to manage and rebalance, minimal taxes, and my spouse completely understands it. Tried th...

Wow! I am surprised there has been no additional advice and feedback from fellow Bogleheads.

I did read this article on Yahoo earlier.

Thank you for posting.

Dr. Swensen recommends 15% - 20% of a portfolio in REITs. We don't know what Swensen (and Malkiel?) would say *now*. Swensen has been off work with cancer for the past year, and the edition of his book that I have is 2005? There is a later one. Given the volatility of REITs in the 2008-09 period, t...

The weighted average expense ratio for a broadly diversified mutual fund portfolio should be no more than 0.20%. If an adviser is hired to manage a portfolio, the total investment expense should be no more than 0.75% including fund expenses, the adviser fee and trading costs. This would equal 15% o...

Apple TV.

Not at all. Everything follows our asset allocation.

Happy Birthday Mr. Bogle!

Thank you for all you have done to make sure investors earn their fair share.

Best.

What about inflation bonds? They have tax benefits too such as no state and local taxes.

Dr. Swensen recommends 15% - 20% of a portfolio in REITs.

Qtman wrote:Give him $50 and a Bogle book so he can get off on the right foot early in his investment knowledge.

What a great idea. "The little book of common sense investing" would be perfect.

I still prefer a real old fashioned newspaper.

Thank you Warren Buffett for doing your best to keep newspapers alive.

That makes sense.

Any additional feedback in Bogleheads land?

Now if Dr. Swensen would update Unconventional Success!

I am in the process of converting a Traditional IRA to a Roth IRA. I would like to present the following information and then inquire the forum for advice and feedback: * One Traditional IRA account only. * No non-deductible contributions ever made. * $5,000 in contributions made during calendar yea...

Consider investing in REITs I stead. Dividend checks can be a great source of retirement income without the headaches.

David Swensen, who knows more about investing than any of, notes 5% - 10% is the minimum. He allocates between 20% - 30% of equity depending on if one follows the Unconventional Success portfolio or the Yale Magazine March 2009 Portfolio. This is the allocation we follow. Anything less does not move...

Happy Birthday Mr. Bogle and many more!

The Intermediate Term Inflation Bond fund has a positive yield again!

There is no problem with this. We have a simple spreadsheet we use that details the allocations.

Do what works best for you.

IlikeJackB wrote:
This link has the letters to his partners in the pre-Berkshire Hathaway days: http://www.rbcpa.com/WEB_letters/WEB_Le ... EDOFF.html

Awesome! Thank you so much!!!

We should consider not referring to Eric (aka "EDN") anymore as I understand he is no longer a member of the forum.

I have no idea why he left the forum again for a second time. I did enjoy his contributions as they provided yet another perspective on investing.

You might find this of interest, from David Swensen's Unconventional Success . Well-informed investors avoid the no-win consequences of high-yield fixed income investing. Best wishes Larry When I met Dr. Swensen at the conference I attended, he mentioned the asset classes to avoid, and this was one...

Thank you for the update Rick.

Are you anticipating any additional changes?

Quicken Rental Properties

The Berkshire Hathaway website notes 1977 as the first year. There is a book available for sale on Amazon (with a link on Berkshire's website) that has all of the Shareholder letters unedited.

Great thoughts from everyone.

I thought Rick Ferri noted once that he has attended the Berkshire Shareholders meeting? Perhaps Rick will see this posts!

Mine is just spreadsheet entries. What percentage is allocated to each asset class, when to rebalance, glide path plan. Pretty much the same for me, although mine has a formula to examine the asset classes and do a 5/25 analysis. It then puts up color-code indicators INCREASE, IN RANGE, REDUCE so I...

U Promise 529 rewards card.

But I am not seeing this reflected in the performance charts. It seems like the funds underperform the S&P 500 in a down market. Shouldn't this be somehow mitigated by the bond portion of the fund? Or am i misundersanding how the bonds affect the mix? You're either looking at the wrong charts o...

I am always amused by peoples fascination with Tax Loss Harvesting, it is like The Red Badge of Courage, they're proud of it. In reality it is trying to get some benefit from an investing mistake. The market has been going up for the past 4 years, if I did any TLH in the past 4 years I wouldn't adm...

Of course, it would have been very un-BH to have sold during the crash of 08-09, but I'm curious if there are folks who moved all to cash or fixed and still haven't returned to the equity market yet. We did for the first time what we never did before (because we used to think we were smarter than t...

It just seems too complicated. I want a set-it-and-forget-it portfolio, and am strongly considering investing 100% in VT. Put it all in VT, and leave it alone for a long time. But if I wanted to TLH, I'd be better off slicing and dicing to take advantage of market volatility, monitoring the portfol...

Most Bogleheads on this forum, including us, do not own any individual stocks. However, if their is one stock I constantly come across where the individual investor may own some shares, it is Warren Buffett's Berkshire Hathaway. In fact, unless I am mistaken, I believe Rick Ferri posted an article o...

I emailed the link to this thread and Ferri's core four thread to a couple of my friends who were paying thousands of dollars to investment firms to manage their assets. Since then, they have fired their advisers and haven't stopped thanking me. That is great to hear. Jack Bogle's crusade "to ...

Consider moving your assets to Vanguard.

David's 10,000th post on the thread thanking him for his contributions = awesome.

Bogleheads: In another Topic I was asked: What was the "inspiration" for the three fund portfolio? This is part of my answer: My interest in investing is inherited. My grandfather, Christopher Foster Coombs, was one of three principals heading United Founders Group , the largest group of ...

Hilda wrote:Gross. I don't think the source needs my money but the practice of tithing has been good for me.

+1

This article surprised me. For all the negativity we see about the average Americans ability to retire these days, it would seem we are in fact living in the best of times when it comes to retirement. http://www.fool.com/investing/general/2013/05/02/the-biggest-retirement-myth-ever-told.aspx That w...