Search found 62 matches

by bogle2013
Sat Jul 04, 2015 1:21 pm
Forum: Investing - Theory, News & General
Topic: Bond Funds - Recent Performance Across the Yield Curve
Replies: 8
Views: 729

Re: Bond Funds - Recent Performance Across the Yield Curve

Does that % include total return calculating monthly dividends?
by bogle2013
Thu Jun 11, 2015 6:22 pm
Forum: Investing - Theory, News & General
Topic: Lower Returns
Replies: 19
Views: 2019

Re: Lower Returns

not that this is the wisest thing - but what i am actually keeping my AA split the same (65 stock - 35 bonds), but taking more risk in my stocks (small cap, emerging) and less risk in my bonds (shorter term, better credit).
by bogle2013
Tue May 05, 2015 6:51 pm
Forum: Personal Consumer Issues
Topic: Looking to Retire in Cleveland
Replies: 32
Views: 2648

Re: Looking to Retire in Cleveland

As a native clevelander - this is a thread i thought i would never see as most of the people i grew up with have left cleveland long ago (including me). That being said - this could be the perfect contrarian move. One thing I would suggest is plan your trips in the winter and stay put in the summer....
by bogle2013
Tue May 05, 2015 6:39 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds being expensive?
Replies: 2
Views: 551

Bonds being expensive?

I understand that it is the job of CNBC to scare people to stocks. I see articles all the time about bonds being overpriced at the moment. Is there a more rationale theory behind this? I understand the interest rate risk and inflation risk, but if you plan on holding (for example) a 10 year treasury...
by bogle2013
Thu Mar 05, 2015 11:43 am
Forum: Investing - Theory, News & General
Topic: Experts Predicting Interest Rates
Replies: 12
Views: 1603

Experts Predicting Interest Rates

I remember a thread or article that detailed how bond experts were asked at the beginning of each year to guess whether interest rates would go up or down by the end of the upcoming year. 50/50 question, and year in and year out the "experts" failed to even beat the coin flip on that quest...
by bogle2013
Thu Mar 05, 2015 7:15 am
Forum: Investing - Theory, News & General
Topic: Vanguard Energy Fund (VGNEX) - Cheap Enough Yet?
Replies: 19
Views: 3004

Re: Vanguard Energy Fund (VGNEX) - Cheap Enough Yet?

It is still double what it was in 2009, so it does have plenty of room to go down.
by bogle2013
Wed Mar 04, 2015 4:19 pm
Forum: Investing - Help with Personal Investments
Topic: REITs and Bonds, Little tax advantaged space. Var annuity?
Replies: 10
Views: 675

Re: REITs and Bonds, Little tax advantaged space. Var annuit

We are in a similar position and there is no right answer. slowly maxing out ibonds and EE bonds each year using our kids too, but that is just $80k a year. We have a large position in Vanguard Intermediate-Term Tax-Exempt Fund Admiral Shares (VWIUX) but I feel like we have too much for the risk of ...
by bogle2013
Sat Feb 21, 2015 7:31 pm
Forum: Investing - Theory, News & General
Topic: Dual Momentum Investing
Replies: 136
Views: 12508

Re: Dual Momentum Investing

It is important not to confuse outcome with strategy. I became a boglehead in 2010. i had a fairly large portfolio (mostly inherited) full of individual US Stocks (no bonds). Over the past 5 years, I have liquidated a huge amount of individual stocks and diversified into the 3 fund portfolio with mo...
by bogle2013
Sat Feb 21, 2015 6:20 pm
Forum: Investing - Theory, News & General
Topic: Dual Momentum Investing
Replies: 136
Views: 12508

Re: Dual Momentum Investing

The backtested data is compelling - no doubt. the strategy is no doubt more sound than a lot of others. I can't decide if it is in the realm for me of a excessive small value tilt or the Larry Portfolio which I find compelling too. My mind continues to return to the thought: "the strategy works...
by bogle2013
Fri Feb 13, 2015 6:00 am
Forum: Investing - Theory, News & General
Topic: Buffett/Hedge Fund Bet - Protege Partners' Excuses!
Replies: 34
Views: 2901

Re: Buffett/Hedge Fund Bet - Protege Partners' Excuses!

The explanation by the hedge fund manager reminds me of an "expert" blackjack player that loses big and blames the other "less skilled" players at the table for messing up his cards by hitting at the wrong time.
by bogle2013
Thu Jan 15, 2015 7:12 pm
Forum: Investing - Theory, News & General
Topic: High Net Worth Investing
Replies: 84
Views: 11215

Re: High Net Worth Investing

Personally I don't see how a small allocation to metals will make any difference in the big picture for a high net worth person. I would think a fort full of food and ammo would be better when governments implode.
by bogle2013
Thu Dec 11, 2014 11:12 am
Forum: Investing - Help with Personal Investments
Topic: Wash Sale Question in Reverse
Replies: 4
Views: 300

Re: Wash Sale Question in Reverse

my bad - i meant loss.
by bogle2013
Thu Dec 11, 2014 11:07 am
Forum: Investing - Help with Personal Investments
Topic: Wash Sale Question in Reverse
Replies: 4
Views: 300

Wash Sale Question in Reverse

The other day I bought some Vanguard Total International Stock Index Shares. I just had a need come up unexpectedly today where I need some capital, so I want to sell something that has a capital gain loss. The only loser in the portfolio is that same Total International that i bought last year, so ...
by bogle2013
Tue Sep 02, 2014 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: MetLife Guarantee Advantage Universal Life Policy
Replies: 5
Views: 408

Re: MetLife Guarantee Advantage Universal Life Policy

I've read many articles on whole life and posts on this board, and my conclusion is that the best course of action is to do nothing. Just wanted to make sure that I am not missing anything. I guess at this point the biggest risk is that MetLife when the time comes will not be able to pay out.
by bogle2013
Tue Sep 02, 2014 11:48 am
Forum: Investing - Help with Personal Investments
Topic: MetLife Guarantee Advantage Universal Life Policy
Replies: 5
Views: 408

MetLife Guarantee Advantage Universal Life Policy

Before I discovered Bogleheads - my father-in-law had his best friend's wife (who is an insurance agent) call on my wife and she purchased a MetLife Guarantee Advantage universal life policy in August 2008. It is held in an Irrevocable Life Insurance Trust in my wife's name, beneficiaries are our ch...
by bogle2013
Fri Jul 25, 2014 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Treasury Direct--just blowing off steam
Replies: 58
Views: 4910

Re: Treasury Direct--just blowing off steam

We moved so I needed to change the bank on my wife's account. I filled out all the forms but messed up her social security number somehow by one digit. they sent back saying it was rejected and we needed to fill out this other form that was in the neighborhood of 20 pages to "fix it". I tr...
by bogle2013
Tue Jul 01, 2014 11:14 am
Forum: Investing - Theory, News & General
Topic: The IPO is dying - Marc Andreessen
Replies: 16
Views: 1561

Re: The IPO is dying - Marc Andreessen

One of the major benefits of indexing is diversification, so I can't imagine having more successful companies staying private is a net positive.
by bogle2013
Mon Jun 30, 2014 9:38 am
Forum: Investing - Theory, News & General
Topic: The IPO is dying - Marc Andreessen
Replies: 16
Views: 1561

The IPO is dying - Marc Andreessen

http://www.vox.com/2014/6/26/5837638/the-ipo-is-dying-marc-andreessen-explains-why The result of all that is the effective death of the IPO. The number of public companies in the US has dropped dramatically. And then correspondingly, growth companies go public much later. Microsoft went out at unde...
by bogle2013
Fri Jun 06, 2014 6:12 pm
Forum: Investing - Theory, News & General
Topic: Changed asset allocation from 60/40 to 50/50 today
Replies: 56
Views: 5752

Re: Changed asset allocation from 60/40 to 50/50 today

bertilak wrote:
bogle2013 wrote:i bought some vanguard short term investment grade today.

Was this part of an overall plan?

yes, new money came in and needed to be allocated. stocks at record high again so spreadsheet called for bonds.
by bogle2013
Fri Jun 06, 2014 5:59 pm
Forum: Investing - Theory, News & General
Topic: Changed asset allocation from 60/40 to 50/50 today
Replies: 56
Views: 5752

Re: Changed asset allocation from 60/40 to 50/50 today

I don't see bonds as necessarily safer than stocks at their valuations. :oops: It's a never ending battle here with the bond fear, uncertainty, and doubt. With 1000+ posts are you being flippant, or do you actually believe this? Yes. Although I could probably come up with a better word than "s...
by bogle2013
Fri Jun 06, 2014 7:48 am
Forum: Investing - Theory, News & General
Topic: Changed asset allocation from 60/40 to 50/50 today
Replies: 56
Views: 5752

Re: Changed asset allocation from 60/40 to 50/50 today

Let's say that 90/10 is the right portfolio for your kids. Holding a 50/50 portfolio (with 75% of your current assets) and a 90/10 portfolio (with 25% or your current assets) leaves you with exactly the portfolio you have right now: 60/40. Moving to a 50/50 allocation either means that you are adop...
by bogle2013
Mon Jun 02, 2014 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Allocation for Portfolio mostly in Taxable
Replies: 19
Views: 1267

Re: Bond Allocation for Portfolio mostly in Taxable

Well, as Dr. Bernstein said, if you fear inflation and keep your bond maturities short and then turn out to be wrong, you've lost only a few percent of yield. But if you make the opposite bet, ignore inflation and reach for yield, and you turn out to be wrong, you could find yourself greeting peopl...
by bogle2013
Sun Jun 01, 2014 2:22 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Allocation for Portfolio mostly in Taxable
Replies: 19
Views: 1267

Re: Bond Allocation for Portfolio mostly in Taxable

Thanks OGD- I guess that is my concern - i'm so diversified in the stock portion, but the bond is not. Taxes are not a big problem b/c of our lack of earned income (but that could change in any given year). So ultimately I believe my goal is to eventually get to in the bond portion of the portfolio:...
by bogle2013
Sun Jun 01, 2014 2:03 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Allocation for Portfolio mostly in Taxable
Replies: 19
Views: 1267

Re: Bond Allocation for Portfolio mostly in Taxable

Thanks Taylor. Some days you read a bunch of articles and posts about rising rates, municipal debt/default/obligations, etc... and I get nervous.
by bogle2013
Sun Jun 01, 2014 1:03 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Allocation for Portfolio mostly in Taxable
Replies: 19
Views: 1267

Bond Allocation for Portfolio mostly in Taxable

I've converted our portfolio from mostly individual stocks to the 3 fund portfolio. 60% in stocks now (combination of Total Stock Market and International Stock Market). 40% of our bond funds is divided between (30% CD ladder, 20% ibonds/EE Savings bonds, and then the other 50% in Vanguard Intermedi...
by bogle2013
Sun May 25, 2014 3:58 pm
Forum: Investing - Help with Personal Investments
Topic: Lump Sum into 529 - Picking the college type
Replies: 9
Views: 1014

Lump Sum into 529 - Picking the college type

As I plan for college savings for my 5 and 3 year old - I want to make sure to not overfund their account. At their age, we have no idea if they are going to Harvard or not to school at all. So I am looking for a happy medium. Taking the 5 year old for example- Vanguard college savings planner calls...
by bogle2013
Thu May 15, 2014 10:10 am
Forum: Personal Finance (Not Investing)
Topic: The most expensive lottery ticket in the world
Replies: 0
Views: 587

The most expensive lottery ticket in the world

http://blogs.reuters.com/felix-salmon/2014/04/21/the-most-expensive-lottery-ticket-in-the-world/ A large part of the answer is that Silicon Valley is gripped by a mass delusion, compounded by a deep “fake it til you make it” attitude toward success. Why do so many people in Silicon Valley want to b...
by bogle2013
Tue May 06, 2014 6:07 pm
Forum: Investing - Help with Personal Investments
Topic: Lump summing into a 529 -- What would you do?
Replies: 14
Views: 1028

Re: Lump summing into a 529 -- What would you do?

I've had the same issues - and I decided instead of trying to time with the market by DCA - i just got a more conservative fund and lumped summed. originally i was going to DCA into an 80/20 fund (80% stocks, 20% bonds), but then I just decided to lump sum into a 60/40 fund. Now I am considering cha...
by bogle2013
Thu May 01, 2014 9:53 am
Forum: Investing - Theory, News & General
Topic: May 2014 ibond Rate
Replies: 32
Views: 1742

May 2014 ibond Rate

Looks like they lowered the fixed rate from .20 to .10. Not that it is a substantial difference, but further proves that you can't time the bond market. I didn't purchase in January b/c I was convinced the rate would go up. We lost 4 months of interest and .10% fixed. I Bond Earnings Rate of 1.94% i...
by bogle2013
Fri Apr 25, 2014 4:17 pm
Forum: Investing - Theory, News & General
Topic: Allan Roth: "Don't Buy It" (AARP Magazine)
Replies: 21
Views: 7741

Re: Allan Roth: "Don't Buy It" (AARP Magazine)

would private real estate funds be considered under "alternative investments"?
by bogle2013
Wed Apr 02, 2014 2:51 pm
Forum: Investing - Theory, News & General
Topic: Lazy portfolios: no returns or risk information
Replies: 132
Views: 9477

Re: Lazy portfolios: no returns or risk information

Frans- What is your rebalancing method?
by bogle2013
Mon Mar 31, 2014 5:24 pm
Forum: Investing - Theory, News & General
Topic: Lazy portfolios: no returns or risk information
Replies: 132
Views: 9477

Re: Lazy portfolios: no returns or risk information

Frans -

Do you think it is possible that Small Cap Value will underperform the next 20 years like it has done in other periods? Or 30 years?
by bogle2013
Wed Mar 26, 2014 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Moving 529 Plan to South Carolina
Replies: 2
Views: 289

Moving 529 Plan to South Carolina

I started two 529 Plans for my daughters (now 3 & 5) using the Nevada 529 Plan with Vanguard. My reason was for simplicity and my state of Georgia did not have a good plan. We moved to South Carolina this year, and it appears that they have a good plan using low fees and Vanguard funds. We have ...
by bogle2013
Thu Mar 13, 2014 2:32 pm
Forum: Investing - Theory, News & General
Topic: Tune out noise and enjoy bull market: JPM's Lee
Replies: 3
Views: 721

Tune out noise and enjoy bull market: JPM's Lee

This quote from the CNBC article made me laugh out loud: Investors will actually want to buy value stocks," Lee said. "I think you want to buy things that have smokestacks. You'll want to buy technology. You really want to buy financials here as well, but you still always want to own healt...
by bogle2013
Fri Jan 03, 2014 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: iBonds Exchange Question
Replies: 1
Views: 210

iBonds Exchange Question

I have been maxing out ibond purchases for the past few years. A question I have had about exchanging the ibonds when real rates rise. For example, lets say I have bought $10,000 of ibonds for 4 years getting me to a total of $40,000. Hypothetically, if the government raises the real rate to 5% (won...
by bogle2013
Tue Nov 12, 2013 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: Buying iBonds in my early 30s: Wise or maybe not?
Replies: 23
Views: 2374

Re: Buying iBonds in my early 30s: Wise or maybe not?

At the current rates, how much tax are we actually talking about? I have been buying i-bonds for the safety and lack of interest rate risk.
by bogle2013
Sat Oct 26, 2013 7:11 am
Forum: Investing - Theory, News & General
Topic: CNBC Admits Passive has been beating active
Replies: 6
Views: 1210

CNBC Admits Passive has been beating active

The last 5 years have been an anomoly I guess.. :) http://www.cnbc.com/id/101143125 Because the rise in equities over the last five years has been indiscriminate, with all stocks reacting to the same news in the same way, it has been a bad time to try to beat the market by running an active fund, an...
by bogle2013
Thu Oct 24, 2013 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Insurance with all the same company?
Replies: 7
Views: 519

Insurance with all the same company?

We are moving out of state and buying a new house. Interested in thoughts as we need to move all of our insurance (and specifically pick a homeowners insurance company before the closing in a few weeks). Do you recommend shopping around individually for auto and home, or go with 1 company to handle ...
by bogle2013
Sun Oct 20, 2013 6:13 pm
Forum: Investing - Theory, News & General
Topic: Silton: Money managers respond to criticism of profession
Replies: 1
Views: 433

Silton: Money managers respond to criticism of profession

http://www.newsobserver.com/2013/10/19/3289735/andrew-silton-money-managers-respond.html After spending the past several months laying out the case against active money management, alternative investments, and excessive compensation and fees, I’ve received a number of emails and phone calls challen...
by bogle2013
Wed Oct 16, 2013 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house - where to put cash for 1 month?
Replies: 14
Views: 892

Re: Buying a house - where to put cash for 1 month?

Our concern was having so much in a money market account at Vanguard. Wondering if it would just be safer at our local bank savings account.
by bogle2013
Wed Oct 16, 2013 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house - where to put cash for 1 month?
Replies: 14
Views: 892

Buying a house - where to put cash for 1 month?

My wife and I will be buying a house in 1 month. We have the cash ready to go - spread out in a few accounts (vanguard, a couple of banks). Where would you recommend we keep the money? More interested in safety and convenience over return.
by bogle2013
Wed Sep 04, 2013 10:00 am
Forum: Investing - Theory, News & General
Topic: "For TIPS, Shorter is Better"
Replies: 25
Views: 3105

Re: "For TIPS, Shorter is Better"

Great article - thanks Taylor.

Does VTAPX receive the same tax treatment in a taxable account as VTIP?
by bogle2013
Mon Aug 19, 2013 1:11 pm
Forum: Investing - Theory, News & General
Topic: Is the Gone Fishin' Portfolio flawed?
Replies: 22
Views: 8213

Re: Is the Gone Fishin' Portfolio flawed?

the short answer to the subject is a simple: "yes". :) you covered all the bases in your post.
by bogle2013
Wed Jul 31, 2013 8:44 am
Forum: Investing - Help with Personal Investments
Topic: Google Spreadsheets n/a error
Replies: 2
Views: 315

Google Spreadsheets n/a error

I've been struggling with my google spreadsheets - seems like i keep getting #N/A error (error: The query for the VFINX stock symbol has no data. Check whether the parameters are valid.) last night all the fields were loading fine, this morning a few had n/a. checking now - some that had n/a an hour...
by bogle2013
Wed May 08, 2013 7:21 pm
Forum: Investing - Help with Personal Investments
Topic: VDIGX (Vanguard Dividend Growth)
Replies: 16
Views: 2507

Re: VDIGX (Vanguard Dividend Growth)

So if you do the last 10 years, here is how $10,000 ends up:

Vanguard Dividend Growth Inv:26,402.20

Vanguard Value Index Inv:22,713.62

Vanguard Total Stock Mkt Idx Inv:23,241.04

Vanguard 500 Index Inv:21,511.65
by bogle2013
Wed May 08, 2013 7:13 pm
Forum: Investing - Help with Personal Investments
Topic: VDIGX (Vanguard Dividend Growth)
Replies: 16
Views: 2507

Re: VDIGX (Vanguard Dividend Growth)

Keep in mind that the fund changed strategies in 2002, so those charts starting in 1992 are misleading. **Effective December 6, 2002, the fund changed its investment objective and concentration policy. Prior to making these modifications, the fund was called Vanguard Utilities Income Fund, reflectin...
by bogle2013
Sun May 05, 2013 7:25 pm
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway - Warren Buffett - Anyone own the stock?
Replies: 110
Views: 10483

Re: Berkshire Hathaway - Warren Buffett - Anyone own the sto

at the end of the day, if the average investor had put every available $ to buy into BRK.b over the last few decades, and that is all they did, they would have done very well. as opposed to trying to decide btw intermediate or short term bonds, small value tilt or not, precious metals or emerging ma...
by bogle2013
Fri May 03, 2013 11:25 am
Forum: Investing - Theory, News & General
Topic: Dow surpasses 15000
Replies: 32
Views: 2989

Re: Dow surpasses 15000

I hit a rebalancing band and just exchanged TSM for Limited Term Tax Exempt. It was a little painful to be honest, the frequent trading warning saying I couldn't rebuy TSM until 7/2/2013 for some reason gave me pause (although I know there are a ton of "close enough" funds I could use for ...
by bogle2013
Sat Mar 02, 2013 7:44 pm
Forum: Investing - Theory, News & General
Topic: Vanguard closes Wellington Fund to many new accounts
Replies: 35
Views: 8044

Re: Vanguard closes Wellington Fund to many new accounts

This might be a naive question - but is the price of the fund based upon the performance of the assets it owns or the buy/sell activity of the fund on the open market, or both??

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