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Re: Bonds in portfolios ??

We are seeing a lot of these threads lately!
by abuss368
Thu Sep 18, 2014 5:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bonds in portfolios ??
Replies: 11
Views: 691

Re: iOS 8 update available today

I did read this yesterday and notice the update available on my iPhone last night.

Thank you for the information.
by abuss368
Thu Sep 18, 2014 5:00 pm
 
Forum: Personal Consumer Issues
Topic: iOS 8 update available today
Replies: 37
Views: 2883

Re: Why Invest in Bonds in your early 30s?

I'm in my mid 60's and never allocated more than 55% to equities. Lived below our means, saved in the mid double digits or more and retired in 2008 with more than enough to last through retirement. That was a pretty bad time to retire. I started off with heavy investments in my Stable Value Fund th...
by abuss368
Thu Sep 18, 2014 4:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why Invest in Bonds in your early 30s?
Replies: 43
Views: 3496

Re: Why Invest in Bonds in your early 30s?

So, with the exception of the required G fund investments for a short time in my early investment years, we've never owned bonds. So I'm not crazy! My wife and I are in our early 30s. We have our emergency fund in bonds, but have never owned bonds in our "portfolio". Our general plan has ...
by abuss368
Thu Sep 18, 2014 4:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why Invest in Bonds in your early 30s?
Replies: 43
Views: 3496

Re: Inflation Bonds - Staying the Course?

Inflation Protected Securities (VIPSX/VAIPX): $26.1 billion as of 08/31/2014 Short-Term Inflation Protected Securities (VTIPX/VTAPX): $9.8 billion as of 08/31/2014 Total International Bond Index (VTIBX/VTABX): $26.8 billion as of 08/31/2014 As I have said at nauseam in this forum, in my opinion, th...
by abuss368
Thu Sep 18, 2014 2:15 pm
 
Forum: Investing - Theory, News & General
Topic: Inflation Bonds - Staying the Course?
Replies: 43
Views: 2863

Re: What Movie Have You Recently Watched?

Lon wrote:Tom Clancy's Jack Ryan


Hi Lon,

I wanted to see that movie. Was it good?
by abuss368
Thu Sep 18, 2014 2:02 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 105
Views: 4376

Re: Inflation Bonds - Staying the Course?

I did notice that the Vanguard Total International Bond Fund is now larger than the Intermediate TIPS fund. That did not take long. How times have changed.
by abuss368
Thu Sep 18, 2014 9:49 am
 
Forum: Investing - Theory, News & General
Topic: Inflation Bonds - Staying the Course?
Replies: 43
Views: 2863

Re: Need for International Investing ?

I think it is totally up to you. As your portfolio stands: Total Stock, Total International, REIT, and Total Bond, is an excellent portfolio that is very low cost and a lot of diversification. In fact, Rick Ferri often recommends this portfolio and calls it "The Core Four". I allocate 40% ...
by abuss368
Thu Sep 18, 2014 9:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Need for International Investing ?
Replies: 56
Views: 2955

Re: Need for International Investing ?

I take a different read on Warren Buffet, based on several years of reading his letters to Shareholders (for what that's worth): Everytime Mr. Buffet has bet against the U.S. he has been wrong. When I say "bet", I mean in his opinions, not in his investments. He has admitted to have perso...
by abuss368
Thu Sep 18, 2014 9:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Need for International Investing ?
Replies: 56
Views: 2955

Re: How do you store your electronic account statements?

This is one area I have been hesitant about. Everything we do is electronic today. We "reconcile" (if you call it that anymore) our checking account in practically real time every week or two as there is usually only one or two transactions. Years ago we were printing everything and placin...
by abuss368
Thu Sep 18, 2014 9:33 am
 
Forum: Personal Finance (Not Investing)
Topic: How do you store your electronic account statements?
Replies: 24
Views: 1583

Re: Inflation Bonds - Staying the Course?

Excellent perspectives from the Bogleheads thus far.

Thank you!
by abuss368
Thu Sep 18, 2014 9:26 am
 
Forum: Investing - Theory, News & General
Topic: Inflation Bonds - Staying the Course?
Replies: 43
Views: 2863

Re: How often do YOU rebalance and when?

I mainly focus on the equity vs fixed income allocation vs the sub allocations. That is where the main risk usually is. Being in retirement I have tighter bands/tolerance. So, in 2013 I made several moves out of equities but have made none this year. I am more likely to pass on moving into equities...
by abuss368
Thu Sep 18, 2014 9:25 am
 
Forum: Investing - Help with Personal Investments
Topic: How often do YOU rebalance and when?
Replies: 39
Views: 1919

Re: CalPERS Eliminates Hedge Fund Program

Does anyone think CalPERS will sell everything and go with a simple Three Fund Portfolio? It's 1 step closer. :) I think that would be a bad idea as the 3 fund portfolio excludes real estate and inflation-linked securities like TIPS. I was part joking and part serious! Yes, a 5 Fund portfolio with ...
by abuss368
Thu Sep 18, 2014 9:23 am
 
Forum: Investing - Theory, News & General
Topic: CalPERS Eliminates Hedge Fund Program
Replies: 44
Views: 2787

Re: Real Estate Question

You could always sell your property and invest in both US and International REITs. This is a low cost and very diversified way to invest in real estate.
by abuss368
Thu Sep 18, 2014 9:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Real Estate Question
Replies: 21
Views: 1543

Re: Real Estate Question

Sounds like a no brainer to me - sell. Move on and get on with what you really want to do! +1 I would also start going through your stuff and getting rid of some of it. I suspect a lot of it is expendable. Make your life simpler and save your heirs the work of doing that. Hi swampy, To me this is a...
by abuss368
Thu Sep 18, 2014 9:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Real Estate Question
Replies: 21
Views: 1543

Re: What Movie Have You Recently Watched?

We are watching "Carlos" on Netflix. A true story of the terrorist during the 1970's and the OPEC meetings. Interesting.
by abuss368
Thu Sep 18, 2014 9:18 am
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 105
Views: 4376

Re: Creating a permanent legacy?

Most of the trusts that I have seen incur higher expenses.

The other item is trust law. No one has any idea how that will evolve over time.

Trust law is very complicated. I would recommend the services of a qualified attorney.
by abuss368
Thu Sep 18, 2014 9:15 am
 
Forum: Investing - Theory, News & General
Topic: Creating a permanent legacy?
Replies: 34
Views: 1810

Re: How often do YOU rebalance and when?

An investor can rebalance by: 1) Selling shares of one asset and redirecting to another asset. 2) Directing new contributions to the needed asset. We have typically done the second option and directed new contributions to the needed asset. This has worked well for us and we intend to stay the course...
by abuss368
Wed Sep 17, 2014 1:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: How often do YOU rebalance and when?
Replies: 39
Views: 1919

Re: Real Estate Question

Have you considered a different Property Manager?
by abuss368
Wed Sep 17, 2014 1:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Real Estate Question
Replies: 21
Views: 1543

Re: Real Estate Question

Sounds like a no brainer to me - sell. Move on and get on with what you really want to do! +1 I would also start going through your stuff and getting rid of some of it. I suspect a lot of it is expendable. Make your life simpler and save your heirs the work of doing that. Hi swampy, To me this is a...
by abuss368
Wed Sep 17, 2014 1:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Real Estate Question
Replies: 21
Views: 1543

Re: Inflation Bonds - Staying the Course?

We currently invest in Total Bond and Intermediate Tax Exempt. If we added a second bond fund, it would probably be Intermediate TIPS. This fund is non-overlapping and recommended by David Swensen and Rick Ferri. I would guess an allocation of 30% of bonds as a starting point.
by abuss368
Wed Sep 17, 2014 1:47 pm
 
Forum: Investing - Theory, News & General
Topic: Inflation Bonds - Staying the Course?
Replies: 43
Views: 2863

Inflation Bonds - Staying the Course?

There is an article on Yahoo Finance today that inflation is now at the lowest point in 16 months. My question is for Bogleheads who invest in inflation bonds (i.e. Individual TIPS, TIPS funds, iBonds), are you planning to stay the course with inflation bonds? Have you sold out of inflation bonds ov...
by abuss368
Wed Sep 17, 2014 9:30 am
 
Forum: Investing - Theory, News & General
Topic: Inflation Bonds - Staying the Course?
Replies: 43
Views: 2863

Re: Vanguard Total Stock Market Index Fund (VTSMX)

Great news!

Thank you for sharing Taylor.
by abuss368
Wed Sep 17, 2014 9:27 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard Total Stock Market Index Fund (VTSMX)
Replies: 10
Views: 2085

Re: Where do I put my cash now?

The stock markets have been soaring for a while, and the pundits have been predicting a correction. Yet, I have not seen one yet. In the meantime, my cash is building up earning nothing. I am very well diversified across stocks and bonds including international investments. I have put in some order...
by abuss368
Wed Sep 17, 2014 9:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Where do I put my cash now?
Replies: 23
Views: 2481

Re: CalPERS Eliminates Hedge Fund Program

How is CalPERS going to bank 7.5% returns going forward? Appears the expected return has been declining over the last few years.
by abuss368
Wed Sep 17, 2014 9:23 am
 
Forum: Investing - Theory, News & General
Topic: CalPERS Eliminates Hedge Fund Program
Replies: 44
Views: 2787

Re: A History of the Equity Risk Premium and its Estimation

Hi Rick,

Thank you for sharing the paper. I have been using a projected 6% equity return for the foreseeable future. Jack Bogle has been noting 6% - 8% nominal return as well for some time.

Best.
by abuss368
Wed Sep 17, 2014 9:22 am
 
Forum: Investing - Theory, News & General
Topic: A History of the Equity Risk Premium and its Estimation
Replies: 19
Views: 1657

Re: Why Invest in Bonds in your early 30s?

I am in my early thirties and am interested in investing for a comfortable retirement (not sure if social security will be around for me). I understand why I should invest in stock funds for retirement: through compounding, a stock fund will generate a lot of value over 20-30 years. But why should ...
by abuss368
Wed Sep 17, 2014 9:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Why Invest in Bonds in your early 30s?
Replies: 43
Views: 3496

Re: CalPERS Eliminates Hedge Fund Program

It will be interesting to see in the months and years ahead if this is just a start towards a more passive and index oriented strategy.
by abuss368
Wed Sep 17, 2014 9:14 am
 
Forum: Investing - Theory, News & General
Topic: CalPERS Eliminates Hedge Fund Program
Replies: 44
Views: 2787

Re: Help me understand Bonds

There is an excellent section in the wiki regarding the fund that you will benefit from. I looked in the wiki and couldn't find a page specific to the fund, is it possible you could link it? Thanks. I've been reading "The Only Guide to a Winning Bond Strategy You'll Ever Need" by Swedroe ...
by abuss368
Tue Sep 16, 2014 4:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help me understand Bonds
Replies: 7
Views: 385

Re: Total Stock Market Index Fund Report

Bogleheads: Morningstar recently reported that only 8 of 1,144 funds with Analyst Ratings have beaten their category averages for at least ten straight years. Total Stock Market Index Fund is one of them! THE LONGEST WINNING STREAKS AMONG OUR RATED FUNDS Best wishes. Taylor Hi Taylor, Thank you for...
by abuss368
Tue Sep 16, 2014 4:48 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 893
Views: 351315

Re: Individual Stocks

After 2 years of using 5% of my portfolio to dabble in individual stocks, I have now sold the last of them. Between losses, gains, and fees, I made about $100 and wasted a lot of energy and stomach acid doing so. It was an interesting experience, if but to reinforce the notion that "You Rarely...
by abuss368
Tue Sep 16, 2014 2:44 pm
 
Forum: Investing - Theory, News & General
Topic: Individual Stocks
Replies: 30
Views: 1935

Re: Help me understand Bonds

Also consider "The Bond Book". You can pick up at copy via Amazon.com. Just be sure to click the Amazon.com link on the Bogleheads main page.
by abuss368
Tue Sep 16, 2014 2:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help me understand Bonds
Replies: 7
Views: 385

Re: Any success stories of ppl who never made >$50,000?

In my mind, Bogleheads isn't about numbers, it's about philosophy. The number of zeroes behind the first number really doesn't matter - it's your approach to investing that's important. I don't have my copy handy, but in Jack's book "The Little Book of Common Sense Investing" he relates t...
by abuss368
Tue Sep 16, 2014 2:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any success stories of ppl who never made >$50,000?
Replies: 149
Views: 9664

Re: Help me understand Bonds

When it comes to asset allocation, how do you determine which bond fund to select? Lets assume these are in a tax-advantaged account. Taking these two funds, one is slightly more risk adverse with greater returns, and the other is more stable. I have heard the term "junk bonds" before, at...
by abuss368
Tue Sep 16, 2014 2:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help me understand Bonds
Replies: 7
Views: 385

Re: CalPERS Eliminates Hedge Fund Program

Does anyone think CalPERS will sell everything and go with a simple Three Fund Portfolio?
by abuss368
Tue Sep 16, 2014 2:24 pm
 
Forum: Investing - Theory, News & General
Topic: CalPERS Eliminates Hedge Fund Program
Replies: 44
Views: 2787

Re: CalPERS Eliminates Hedge Fund Program

Incredible! Thanks for sharing.
by abuss368
Mon Sep 15, 2014 11:53 pm
 
Forum: Investing - Theory, News & General
Topic: CalPERS Eliminates Hedge Fund Program
Replies: 44
Views: 2787

Re: The Three Fund Portfolio

I may have missed this in the 18 pages of this great thread, but where do t-bills fit into the 3-fund portfolio? Is it covered in TBM treasuries? I remember reading over and over in Bogle on Mutual Funds that they are an essential asset class. Excellent question! The Total Bond Index fund includes ...
by abuss368
Mon Sep 15, 2014 11:48 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 893
Views: 351315

Re: Individual Stocks

We have not owned an individual stocks in over 6 years after a lifetime of investing in them. I can not see going back to individual stocks at this point. Index funds have worked so well. The investing world is risky so be careful.

Thank you Jack Bogle!

Best.
by abuss368
Mon Sep 15, 2014 4:22 pm
 
Forum: Investing - Theory, News & General
Topic: Individual Stocks
Replies: 30
Views: 1935

Re: The Three Fund Portfolio

Michael Edessess and his three co-authors of "The 3 Simple Rules of Investing," also recommend a simple portfolio similar to The Three Fund Portfolio. The book is an interesting read as these authors dismantle many investment myths. Hi LHerr, I have read more about the Three Fund Portfoli...
by abuss368
Mon Sep 15, 2014 4:01 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 893
Views: 351315

Re: To Tilt or Not to Tilt - Rick Ferri's Latest

. While the sample may be small (181 asset managers), I can't help but think about William Bernstein's book "Skating where the puck was" when reading this survey - "smart beta adoption is happening, and happening broadly" http://www.russell.com/documents/indexes/research/smart-b...
by abuss368
Mon Sep 15, 2014 4:00 pm
 
Forum: Investing - Theory, News & General
Topic: To Tilt or Not to Tilt - Rick Ferri's Latest
Replies: 77
Views: 7806

Re: How should I invest the money in my taxable account?

Given the relative size of the taxable account relative to the non-taxable, I'd be looking at every opportunity to increase the size of the tax shelter each year. You might consider purchasing some I Bonds via the treasury using taxable money. This could contribute to the bond allocation, or be use...
by abuss368
Mon Sep 15, 2014 12:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: How should I invest the money in my taxable account?
Replies: 20
Views: 2653

Re: Tax Deduction for Charitable Contributions at Businesses

If you have supporting documentation than you are fine. Any reported item without supporting documentation could be disallowed.
by abuss368
Fri Sep 12, 2014 3:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Deduction for Charitable Contributions at Businesses
Replies: 15
Views: 809

Re: 100% Small and Value Tilting

If you are aware of the potential risks and rewards, and this portfolio will allow you to sleep well at night, then develop your strategy and execute it. Many DFA funds tilt this way correct?
by abuss368
Fri Sep 12, 2014 3:16 pm
 
Forum: Investing - Theory, News & General
Topic: 100% Small and Value Tilting
Replies: 70
Views: 4017

Re: How should I invest the money in my taxable account?

Hi bmorehokie, Congrats on accumulating a sizable portfolio at such a young age. I would suggest a simple Three Fund Portfolio for your taxable account. This portfolio would consist of the following funds: * Total Stock Index - 70% of equity * Total International Index - 30% of equity * Intermediate...
by abuss368
Fri Sep 12, 2014 3:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: How should I invest the money in my taxable account?
Replies: 20
Views: 2653

Re: How would you handle this situation ?

Be honest and say you are not interested as a result of your concerns if that is the direction the group is moving. Another possibility is just to say you are unavailable and pass.
by abuss368
Fri Sep 12, 2014 3:10 pm
 
Forum: Personal Consumer Issues
Topic: How would you handle this situation ?
Replies: 33
Views: 2551

Re: Are Mid Caps the NEW Small Caps

I'm wondering if, given the amount of love that small cap and small cap value tilting is getting recently, and the sheer number of investors tilting that way, if it's possible that the risk premiums normally associated with this type of tilt will be for naught and we will begin to see smaller and s...
by abuss368
Fri Sep 12, 2014 3:07 pm
 
Forum: Investing - Theory, News & General
Topic: Are Mid Caps the NEW Small Caps
Replies: 15
Views: 1704

Re: Bond Allocation

Hi Blinx,

One book that I found very interesting and a good resource was "The Bond Book". You may want to consider purchasing a copy at Amazon.

Best.
by abuss368
Fri Sep 12, 2014 3:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond Allocation
Replies: 10
Views: 1650

Re: Why is REIT only sector fund recommended in slice & dice

jay22 wrote:Small cap index (NAESX) is also recommended for those who slice & dice, isn't it?


Hi jay22,

I am unsure if Small Cap Index is recommended, but most often Small Cap Value is mentioned.

Best.
by abuss368
Fri Sep 12, 2014 3:05 pm
 
Forum: Investing - Theory, News & General
Topic: Why is REIT only sector fund recommended in slice & dice?
Replies: 113
Views: 7493

Re: Angry when stock market is down

The older I get? Not at all. That means I can buy securities on sale.

Best.
by abuss368
Fri Sep 12, 2014 1:10 pm
 
Forum: Investing - Theory, News & General
Topic: Angry when stock market is down
Replies: 79
Views: 3945

Re: Angry when stock market is down

Time to take the pillow test. In cases like this The Pillow Test is recommended. If you are unable to sleep well at night thinking about your portfolio then it is time to make some adjustments until you can finally pass the pillow test. Fwiw I do not have a perfect portfolio but I sleep well at nig...
by abuss368
Fri Sep 12, 2014 1:10 pm
 
Forum: Investing - Theory, News & General
Topic: Angry when stock market is down
Replies: 79
Views: 3945
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