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Re: Do you think the biotech sector will be hurt long term?

Most investors on the forum have a strategy of total market index investing. Actually, polls on the forum show that most investors on the forum have a strategy of small-cap and value-tilt slice-and-dice investing. The total market index investing folks are a minority. We should run an updated poll....
by abuss368
Tue Apr 22, 2014 9:20 pm
 
Forum: Investing - Theory, News & General
Topic: Do you think the biotech sector will be hurt long term?
Replies: 54
Views: 2489

Re: Warren Buffett

Looks like things are heating up on a battle I'm not going to win here so we'll just have to agree to disagree. Time will tell on active versus passive investing. I have worked in wealth management and from experience I can say that the most successful portfolios we saw were all buy and hold for a ...
by abuss368
Tue Apr 22, 2014 4:26 pm
 
Forum: Investing - Theory, News & General
Topic: Warren Buffett
Replies: 45
Views: 2354

Re: Tax efficient fund in taxable account.

There are a few funds that you could you and also create a Three Fund Portfolio in the process:

1) Total Stock Index
2) Total International Stock Index
3) Intermediate Term Tax Exempt Bond Fund

Keep investing simple.
by abuss368
Tue Apr 22, 2014 4:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax efficient fund in taxable account.
Replies: 5
Views: 524

Re: Is Vanguard Adding Investment Grade Funds To Bond Advice

I can not see them changing the Total Bond and Total International Bond funds now.
by abuss368
Tue Apr 22, 2014 4:24 pm
 
Forum: Investing - Theory, News & General
Topic: Is Vanguard Adding Investment Grade Funds To Bond Advice ?
Replies: 6
Views: 1078

Re: Jack Bogle on CNBC

Thank you for posting the link.

Best.
by abuss368
Tue Apr 22, 2014 4:22 pm
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle on CNBC
Replies: 3
Views: 587

Re: Hedge fund fees

It is a "crime" but investors should know what they are paying for. I have never bothered to look into it more.
by abuss368
Tue Apr 22, 2014 4:22 pm
 
Forum: Investing - Theory, News & General
Topic: Hedge fund fees
Replies: 12
Views: 939

Re: Stopping unwanted "junk" newspaper

I know what you mean. We receive a few junk papers and they go straight to the circular file!
by abuss368
Tue Apr 22, 2014 4:21 pm
 
Forum: Personal Consumer Issues
Topic: Stopping unwanted "junk" newspaper
Replies: 23
Views: 1491

Re: Do you think the biotech sector will be hurt long term?

I should have added: "Keep investing simple"!
by abuss368
Tue Apr 22, 2014 4:19 pm
 
Forum: Investing - Theory, News & General
Topic: Do you think the biotech sector will be hurt long term?
Replies: 54
Views: 2489

Re: Do you think the biotech sector will be hurt long term?

Most investors on the forum have a strategy of total market index investing. This often excludes sector funds but you may want to start a new thread with a poll inquiring about sector funds in general. Typically the only sector fund you most commonly read about on the forum is REITs/Real Estate whic...
by abuss368
Tue Apr 22, 2014 4:19 pm
 
Forum: Investing - Theory, News & General
Topic: Do you think the biotech sector will be hurt long term?
Replies: 54
Views: 2489

Re: FORUM REACHES 2,000,000 POSTS TODAY

What a great milestone event!

Stay the course!
by abuss368
Tue Apr 22, 2014 4:14 pm
 
Forum: Forum Issues and Administration
Topic: FORUM REACHES 2,000,000 POSTS TODAY
Replies: 52
Views: 1580

Re: Warren Buffett

Andymoler58 wrote:I know I'm not Buffett but I still think i can beat an index by 1-2 pct over time. That's a lot of money over time.


That is awesome. I am glad you have figured out how to beat the market when most folks and the evidence says otherwise.

Could you please share the secret?
by abuss368
Tue Apr 22, 2014 4:10 pm
 
Forum: Investing - Theory, News & General
Topic: Warren Buffett
Replies: 45
Views: 2354

Re: Warren Buffett

I ignore Warren Buffett when it comes to investing. We don't have much in common. If he has provided anything useful to me, others that are closer to my situation have given the same message, so I don't need to waste my time on Mr Buffett. I have nothing against Mr Buffett and admire his down-to-ea...
by abuss368
Tue Apr 22, 2014 4:09 pm
 
Forum: Investing - Theory, News & General
Topic: Warren Buffett
Replies: 45
Views: 2354

Re: Do you use a dry powder/tactical asset allocation strate

I rebalance as needed. Our bond position, combined with new funds, allows us to do this. The bonds provide safety and income.
by abuss368
Mon Apr 21, 2014 8:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you use a dry powder/tactical asset allocation strategy?
Replies: 24
Views: 1945

Re: "Cookie Cutter Portfolios Are (Usually) Just Fine"

Bogleheads: The Three Fund Portfolio has been called a "cookie cutter" portfolio. A reader asked Mike Piper, editor of the highly regarded Oblivious Investor: Why would I want to pay for a (Vanguard) financial plan if all that’s included in the portfolio is the same four funds that are in...
by abuss368
Mon Apr 21, 2014 7:47 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 749
Views: 258591

Re: Q&A with Jack Bogle at 2014 Bogleheads Conference

Mel,

As I started to pen above, I would like to know Mr. Bogle's updated thoughts on the TIPS fund and also the new Total International Bond Index Fund that Vanguard is recommending. Jack moved out of TIPS years ago and was only invested in them for a short period it appears.
by abuss368
Mon Apr 21, 2014 7:18 pm
 
Forum: Investing - Theory, News & General
Topic: Q&A with Jack Bogle at 2014 Bogleheads Conference
Replies: 23
Views: 2173

Re: New Baby Girl - What Can/Should We Do?

We opened a 529 Plan for our children and it has been a very wise decision. However, we do not let the funding of the 529 plans short change funding our retirement savings & investing. One can finance college but not retirement.
by abuss368
Mon Apr 21, 2014 7:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Baby Girl - What Can/Should We Do?
Replies: 39
Views: 2748

Re: Q&A with Jack Bogle at 2014 Bogleheads Conference

Munir wrote:Question to Jack:

Which Vanguard bond fund (or combination of funds) should a retiree in the distribution phase use in his IRA if 70% of his portfolio is in fixed income?


Including Jack's thoughts on Vanguard's new Total International Bond Fund!
by abuss368
Sun Apr 20, 2014 8:49 pm
 
Forum: Investing - Theory, News & General
Topic: Q&A with Jack Bogle at 2014 Bogleheads Conference
Replies: 23
Views: 2173

Re: Q&A with Jack Bogle at 2014 Bogleheads Conference

Hi Jack, Warren Buffett has recently been giving personal finance advice for regular folks who have no desire or inclination to become value investors. His advice is to hold enough in cash to feel secure and to put the rest in the Vanguard 500 Index Fund. He also calls bonds and bond funds dangerou...
by abuss368
Sun Apr 20, 2014 8:48 pm
 
Forum: Investing - Theory, News & General
Topic: Q&A with Jack Bogle at 2014 Bogleheads Conference
Replies: 23
Views: 2173

Re: Help select laptop

Dave55 wrote:After 22 years of Windows, I have had the MacBook Air for the past 3 years and LOVE it. I would never go back to Windows.


Awesome!
by abuss368
Sun Apr 20, 2014 8:41 pm
 
Forum: Personal Consumer Issues
Topic: Help select laptop
Replies: 21
Views: 1428

Re: Quicken 2014 opinions wanted

After using Quicken for so long, we decided to abandon ship over 5 years ago. While it felt strange at first, it was a very good decision. No entering, balancing, adjusting, etc. This has freed up even more time for the important things in life.
by abuss368
Fri Apr 18, 2014 6:40 pm
 
Forum: Personal Consumer Issues
Topic: Quicken 2014 opinions wanted
Replies: 47
Views: 1585

Re: AA accross multiple accounts

At the end of the day this is splitting hairs. As I noted earlier, you have to decide what works best for you and stay the course. If you decide to have the Three Fund Portfolio in all accounts, go for it. No one can honestly tell you that is too complex.
by abuss368
Fri Apr 18, 2014 6:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA accross multiple accounts
Replies: 25
Views: 1122

Re: Portfolio minimum?

jsl11 wrote:15K is more than enough to start. However, it is important to have an emergency fund established prior to investing. Things happen and you do not want to be forced to withdraw from your investments at an inopportune time.
Jeff


Good point. A emergency fund should be established before investing.
by abuss368
Fri Apr 18, 2014 4:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio minimum?
Replies: 9
Views: 1140

Re: AA accross multiple accounts

I find having bonds and stocks in both 401k and taxable convenient . I am early enough in accumulation phase that i balance with new money only. Early in the year most contributions go to 401k ( bonds and stocks at my predefined AA split). Later in the year savings go to taxable ( tax exempt interm...
by abuss368
Fri Apr 18, 2014 4:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA accross multiple accounts
Replies: 25
Views: 1122

Re: Fixed Income Categories

I would expect CD's can be cash or fixed income depending on the term.

In the financial accounting profession, a maturity of 90 days or less is classified on the Balance Sheet as Cash & Cash Equivalents.
by abuss368
Fri Apr 18, 2014 4:39 pm
 
Forum: Investing - Theory, News & General
Topic: Fixed Income Categories
Replies: 19
Views: 1168

Re: AA accross multiple accounts

A related question I haven't been able to find on the Vanguard site yet. Is the minimum investment amount for Admiral funds aggregated? Or do I need $10k in each account (Roth 1, Roth 2, Rollover)? If I AA inside each account, a couple of funds inside the Roths will be short of the $10k to start. E...
by abuss368
Fri Apr 18, 2014 4:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA accross multiple accounts
Replies: 25
Views: 1122

Re: Portfolio minimum?

The minimum is your first $1.00 to get going. The journey starts with the first step. Would the $15,000 be in a taxable or tax advantage account? If tax advantaged, you could consider the simplicity of a Target Retirement fund. You could also consider the Three Fund Portfolio - Total Stock, Total In...
by abuss368
Fri Apr 18, 2014 4:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio minimum?
Replies: 9
Views: 1140

Re: The Three Fund Portfolio

I am concerned about what seems to be the same philosophy that applies to stocks (which I 100% agree with) and applying it to bond funds. After a first read of Thau's Bond Book, it seems that individual bonds and bond funds are quite the different animals. I think it may be useful to start a discus...
by abuss368
Fri Apr 18, 2014 3:01 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 749
Views: 258591

Re: AA accross multiple accounts

You can easily place the Three Fund Portfolio in each account with all Admiral shares. * Total Stock Index Fund * Total International Index Fund * Total Bond Index Fund (or Intermediate Term Tax Exempt in Taxable) Very easy to keep in balance, add funds too, and stay the course. No additional costs.
by abuss368
Fri Apr 18, 2014 2:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA accross multiple accounts
Replies: 25
Views: 1122

Re: The Three Fund Portfolio

Thank you for the link Taylor. I will be interested in following the new Vanguard Total International Index Bond Fund in the years ahead to see how it performs and develops. Vanguard is really pushing the Four Fund Portfolio in their articles, research, video's, and now the Target and Life Strategy ...
by abuss368
Fri Apr 18, 2014 2:56 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 749
Views: 258591

Re: Vanguard IRA Insights

Thank you for sharing. I have been following this ne publication from Vanguard and have enjoyed it.
by abuss368
Fri Apr 18, 2014 2:53 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard IRA Insights
Replies: 7
Views: 865

Re: Help select laptop

Your budget makes it limited. I am so done with Windows and have no desire to use Windows 8. We switched to Apple products and they are so easy to use. I would save my pennies and consider a MacBook Air.
by abuss368
Fri Apr 18, 2014 2:52 pm
 
Forum: Personal Consumer Issues
Topic: Help select laptop
Replies: 21
Views: 1428

Re: Vanguard Total International (VTSAX) - Taxable Account

I have a really basic question about VTSAX in my taxable account. I'm relatively new to Bogleheads and shifted my taxable investment into international following the guidelines for tax efficient investing. Stocks are tax efficient and I was under the impression that the foreign tax deduction made t...
by abuss368
Fri Apr 18, 2014 2:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total International (VTSAX) - Taxable Account
Replies: 24
Views: 2246

Re: Vanguard Total International (VTSAX) - Taxable Account

I think you may be overthinking the strategy. Both the US and International Stock Index funds are tax efficient in a taxable account.
by abuss368
Fri Apr 18, 2014 2:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total International (VTSAX) - Taxable Account
Replies: 24
Views: 2246

Re: Fixed Income Categories

The articles are all over the place. I typically keep it simple with 1) equities and 2) fixed income.

Fixed income can be considered your bonds, CD"s, etc.
by abuss368
Fri Apr 18, 2014 2:41 pm
 
Forum: Investing - Theory, News & General
Topic: Fixed Income Categories
Replies: 19
Views: 1168

Re: AA accross multiple accounts

There are two ways to structure an account: 1) Equal Location - the same funds for the most part in each account (Bonds can have tax exempt in taxable and Total Bond Index in tax advantage). 2) Asset Location - different funds in each account. We follow equal location and this has worked much better...
by abuss368
Fri Apr 18, 2014 2:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA accross multiple accounts
Replies: 25
Views: 1122

Re: Monti Carlo Software

I have never seen or used this software to process and simulations. It never really interested me.
by abuss368
Thu Apr 17, 2014 1:04 pm
 
Forum: Investing - Theory, News & General
Topic: Monte Carlo Software
Replies: 13
Views: 1194

Re: Where are the Opportunities now ?

The opportunity for us is to invest in the future of business enterprises to earn our fair share of whatever returns the stocks and bond markets are going to provide.

Market timing and security selection has been proven time and again to not work.
by abuss368
Thu Apr 17, 2014 1:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where are the Opportunities now ?
Replies: 28
Views: 1992

Re: Why are total bond market funds so often recommended?

No one knows in advance what subsection of the bond market is going to outperform. The goal is to hold the market's weight in bonds with a low cost and diversified index fund. Bond returns are a function of credit and term. Higher yield almost always means higher risks. Bonds should provide both saf...
by abuss368
Thu Apr 17, 2014 12:17 pm
 
Forum: Investing - Theory, News & General
Topic: Why are total bond market funds so often recommended?
Replies: 52
Views: 4443

Re: Need Help Setting Up Port For Father

I would consider a very simple but effective Vanguard Target Retirement Income Fund that has a 30% equity and 70% fixed income allocation.
by abuss368
Thu Apr 17, 2014 12:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Help Setting Up Port For Father
Replies: 7
Views: 336

Re: Let's say we live for 150 years...

Hi Rick,

There was a book written by a Russian doctor titled "Can we live 150 years?"
by abuss368
Thu Apr 17, 2014 12:03 pm
 
Forum: Investing - Theory, News & General
Topic: Let's say we live for 150 years...
Replies: 20
Views: 3413

Re: Baby Boomers: Top 10 Movies

Godfather, Jaws, Das Boot.....all classic films.
by abuss368
Thu Apr 17, 2014 12:00 pm
 
Forum: Personal Consumer Issues
Topic: Baby Boomers: Top 10 Movies
Replies: 44
Views: 2748

Re: Getting Best Price for a Prescription Drug

I'm the original poster. I did my pricing using the 5MG dose. The best US price that I could find using Goodrx.com...which was $6 per day....$6 per tab. I used the "Canadian" company http://www.planetdrugsdirect.com to get ninety 5mg tabs for $1.06 per tab. It took around 30 days for the ...
by abuss368
Thu Apr 17, 2014 11:55 am
 
Forum: Personal Consumer Issues
Topic: Getting Best Price for a Prescription Drug
Replies: 55
Views: 3752

Re: Jack on Bloomberg Today...

Jack just makes so much sense. It's comforting to me that it doesn't take a genius to understand his perspective and make an informed decision that what he says is logical. Am sorry he was cut off, as what he was saying was very interesting to me. The smartest people have a way of making the compli...
by abuss368
Thu Apr 17, 2014 11:54 am
 
Forum: Investing - Theory, News & General
Topic: Jack on Bloomberg Today...
Replies: 12
Views: 1643

Re: Investments/Allocations

Warren Buffett writes in his annual letter to Shareholders about the magic of dividends. In the most recent letter, he noted that the "big four" for Berkshire (i.e. IBM, Coca Cola, American Express, and Wells Fargo) paid $1.4 BILLION in dividends.

That is clearly no illusion!
by abuss368
Tue Apr 15, 2014 2:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investments/Allocations
Replies: 11
Views: 666

Re: TIAA-CREF is buying Nuveen?

I did see this and I was not sure what to make of it. A "not for profit" buying a "for profit"! Interesting. That is incorrect. TIAA-CREF became a private, for profit company in 1998. The change occurred due to industry complaints (Vanguard and Fidelity amongst others) that TIAA...
by abuss368
Tue Apr 15, 2014 2:41 pm
 
Forum: Investing - Theory, News & General
Topic: TIAA-CREF is buying Nuveen?
Replies: 44
Views: 2468

Re: A portfolio with a 7% yield? Your thoughts?

I learned a long time ago that higher yield almost always means higher risks!
by abuss368
Tue Apr 15, 2014 2:39 pm
 
Forum: Investing - Theory, News & General
Topic: A portfolio with a 7% yield? Your thoughts?
Replies: 9
Views: 1030

Re: Stocks: How Bad It Can Get

That chart is incredible and really puts investing in perspective. If all funds drop on average as reflected in the graph, why is there a need for multiple mutual funds in a portfolio? Would not one or two equity funds (i.e. Three Fund Portfolio) work just fine? In addition, with a fund or two, new ...
by abuss368
Tue Apr 15, 2014 12:09 pm
 
Forum: Investing - Theory, News & General
Topic: Stocks: How Bad It Can Get
Replies: 72
Views: 5375

Re: Stocks: How Bad It Can Get

Sheepdog wrote:
ginmqi wrote:As a young investor in my infancy years of investing, I can't wait for another financial crisis. 60-80% drop for next 2-3 years? I can only hope. :wink:

Before you know it, young investor, you will be retired and think 100% different. :annoyed


Good point.
by abuss368
Tue Apr 15, 2014 12:07 pm
 
Forum: Investing - Theory, News & General
Topic: Stocks: How Bad It Can Get
Replies: 72
Views: 5375

Re: Asset location question

See Rick Ferri's excellent recent post on this exact subject - asset location versus equal location. You can find it on his website: http://www.rickferri.com
by abuss368
Tue Apr 15, 2014 11:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Asset location question
Replies: 4
Views: 194

Re: IRA Contributions AFTER 70 1/2 years of age??

My understanding is an employer retirement plan must follow the plan document. It is difficult to answer retirement plan questions as we do not have the correct documentation and every plan is unique.
by abuss368
Tue Apr 15, 2014 11:57 am
 
Forum: Investing - Help with Personal Investments
Topic: IRA Contributions AFTER 70 1/2 years of age??
Replies: 12
Views: 740
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