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Re: Wash Sale Question in Reverse

my bad - i meant loss.
by bogle2013
Thu Dec 11, 2014 11:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Wash Sale Question in Reverse
Replies: 4
Views: 246

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
Thu Dec 11, 2014 11:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Wash Sale Question in Reverse
Replies: 4
Views: 246

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 12:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: MetLife Guarantee Advantage Universal Life Policy
Replies: 5
Views: 365

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
Tue Sep 02, 2014 11:48 am
 
Forum: Investing - Help with Personal Investments
Topic: MetLife Guarantee Advantage Universal Life Policy
Replies: 5
Views: 365

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
Fri Jul 25, 2014 5:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Treasury Direct--just blowing off steam
Replies: 58
Views: 4686

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
Tue Jul 01, 2014 11:14 am
 
Forum: Investing - Theory, News & General
Topic: The IPO is dying - Marc Andreessen
Replies: 16
Views: 1471

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
Mon Jun 30, 2014 9:38 am
 
Forum: Investing - Theory, News & General
Topic: The IPO is dying - Marc Andreessen
Replies: 16
Views: 1471

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 6:12 pm
 
Forum: Investing - Theory, News & General
Topic: Changed asset allocation from 60/40 to 50/50 today
Replies: 56
Views: 5621

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 5:59 pm
 
Forum: Investing - Theory, News & General
Topic: Changed asset allocation from 60/40 to 50/50 today
Replies: 56
Views: 5621

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
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: 5621

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
Mon Jun 02, 2014 1:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond Allocation for Portfolio mostly in Taxable
Replies: 19
Views: 1249

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 2:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond Allocation for Portfolio mostly in Taxable
Replies: 19
Views: 1249

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 2:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond Allocation for Portfolio mostly in Taxable
Replies: 19
Views: 1249

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 Jun 01, 2014 1:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond Allocation for Portfolio mostly in Taxable
Replies: 19
Views: 1249

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
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: 971

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
Thu May 15, 2014 10:10 am
 
Forum: Personal Finance (Not Investing)
Topic: The most expensive lottery ticket in the world
Replies: 0
Views: 577

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
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: 934

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
Thu May 01, 2014 9:53 am
 
Forum: Investing - Theory, News & General
Topic: May 2014 ibond Rate
Replies: 32
Views: 1678

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

would private real estate funds be considered under "alternative investments"?
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: 7543

Re: Lazy portfolios: no returns or risk information

Frans- What is your rebalancing method?
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: 8906

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
Mon Mar 31, 2014 5:24 pm
 
Forum: Investing - Theory, News & General
Topic: Lazy portfolios: no returns or risk information
Replies: 132
Views: 8906

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
Wed Mar 26, 2014 1:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Moving 529 Plan to South Carolina
Replies: 2
Views: 274

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
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: 713

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
Fri Jan 03, 2014 3:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: iBonds Exchange Question
Replies: 1
Views: 199

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
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: 2352

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
Sat Oct 26, 2013 7:11 am
 
Forum: Investing - Theory, News & General
Topic: CNBC Admits Passive has been beating active
Replies: 6
Views: 1203

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
Thu Oct 24, 2013 11:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Insurance with all the same company?
Replies: 7
Views: 486

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
Sun Oct 20, 2013 6:13 pm
 
Forum: Investing - Theory, News & General
Topic: Silton: Money managers respond to criticism of profession
Replies: 1
Views: 415

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 10:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Buying a house - where to put cash for 1 month?
Replies: 14
Views: 873

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 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: 873

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
Wed Sep 04, 2013 10:00 am
 
Forum: Investing - Theory, News & General
Topic: "For TIPS, Shorter is Better"
Replies: 25
Views: 3004

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
Mon Aug 19, 2013 1:11 pm
 
Forum: Investing - Theory, News & General
Topic: Is the Gone Fishin' Portfolio flawed?
Replies: 22
Views: 6924

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 Jul 31, 2013 8:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Google Spreadsheets n/a error
Replies: 2
Views: 304

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 7:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: VDIGX (Vanguard Dividend Growth)
Replies: 16
Views: 2082

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
Wed May 08, 2013 7:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: VDIGX (Vanguard Dividend Growth)
Replies: 16
Views: 2082

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
Sun May 05, 2013 7:25 pm
 
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway - Warren Buffett - Anyone own the stock?
Replies: 110
Views: 9953

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
Fri May 03, 2013 11:25 am
 
Forum: Investing - Theory, News & General
Topic: Dow surpasses 15000
Replies: 32
Views: 2959

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??
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: 7678

Re: Market > Buffet's BRK - Indexing wins again.

He didn't delve into succession plans, but said the two investment managers Berkshire has hired in recent years, Todd Combs and Ted Weschler, outperformed the S&P 500 by double digits in 2012.
by bogle2013
Sat Mar 02, 2013 7:37 pm
 
Forum: Investing - Theory, News & General
Topic: Market > Buffet's BRK - Indexing wins again.
Replies: 21
Views: 3189

Re: [sites with a non-Boglehead approach?]

stocktwits.com is pretty "active".
by bogle2013
Sat Feb 23, 2013 1:21 pm
 
Forum: Investing - Theory, News & General
Topic: [sites with a non-Boglehead approach?]
Replies: 26
Views: 2428

Re: Bogleheads ability to predict the market

Here is what Jack Bogle thinks of that: The best investment advice I ever got came when I was a runner for a brokerage firm when I was in college. One of the other runners said: “Nobody knows nothing.” And of course that’s true. It’s not given to us to know. The future is not ours to see. You try to...
by bogle2013
Mon Feb 18, 2013 8:00 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads ability to predict the market
Replies: 18
Views: 1496

Re: Swedroe Fat Tails Portfolio for VG 529 Plan

Bogle, If I had to try and imitate the original Swedroe concept given your mix, I would likely be 100% Vanguard Small Cap Index (about 30% of your portfolio), and the rest (70%) in ST High Quality Bonds (given current TIPS yields, and once I thoroughly looked under the hood of that ST fund you have...
by bogle2013
Fri Feb 01, 2013 7:52 pm
 
Forum: Investing - Theory, News & General
Topic: Swedroe Fat Tails Portfolio for VG 529 Plan
Replies: 14
Views: 1946

Re: The High Cost Of Index Funds (for me)

How many stocks are you invested in? just a few or a big basket?
by bogle2013
Fri Feb 01, 2013 6:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: The High Cost Of Index Funds (for me)
Replies: 20
Views: 2668

Swedroe Fat Tails Portfolio for VG 529 Plan

Is there any way to come close to replicating the Swedroe Fat Tails porfolio in the Vanguard 529 Plan? You are only allowed to use 5 funds, and the selection is limited. Here are the options: Stock Portfolios Vanguard 500 Index Portfolio Vanguard Aggressive Growth Portfolio Vanguard Growth Index Por...
by bogle2013
Fri Feb 01, 2013 1:35 pm
 
Forum: Investing - Theory, News & General
Topic: Swedroe Fat Tails Portfolio for VG 529 Plan
Replies: 14
Views: 1946

Re: Treasury Direct Online account

Just wanted to bump this thread. I want to max out the i-bond purchasing for my family each year (myself, wife, and two kids). Adding the kids was easy. But I can't figure out how to add my wife to be able to buy her $10k from the same account. I would like to make all the purchases from the same b...
by bogle2013
Fri Feb 01, 2013 9:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Treasury Direct Online account
Replies: 11
Views: 1670

Re: Treasury Direct Online account

Just wanted to bump this thread. I want to max out the i-bond purchasing for my family each year (myself, wife, and two kids). Adding the kids was easy. But I can't figure out how to add my wife to be able to buy her $10k from the same account. I would like to make all the purchases from the same b...
by bogle2013
Thu Jan 31, 2013 3:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Treasury Direct Online account
Replies: 11
Views: 1670

Re: Treasury Direct Online account

Just wanted to bump this thread. I want to max out the i-bond purchasing for my family each year (myself, wife, and two kids). Adding the kids was easy. But I can't figure out how to add my wife to be able to buy her $10k from the same account. I would like to make all the purchases from the same ba...
by bogle2013
Thu Jan 31, 2013 1:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Treasury Direct Online account
Replies: 11
Views: 1670

Re: Help Understanding Swedroe's Minimizing Fat Tails Portfo

Is it possible to use this portfolio if most of the money is in a taxable account with little tax-advantaged $?
by bogle2013
Wed Jan 30, 2013 4:55 pm
 
Forum: Investing - Theory, News & General
Topic: Help Understanding Swedroe's Minimizing Fat Tails Portfolio
Replies: 49
Views: 6223

Re: Help with Wife's Inherited Portfolio

What asset class does this stock track? Large Cap US? Small-cap US? Candadian large-cap? Something else? Whatever it tracks, I would not own that class as a Vanguard fund until the stock was less of my portfolio. For example, suppose this stock tracked a large US oil company. In that case, I would ...
by bogle2013
Tue Jan 22, 2013 7:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Wife's Inherited Portfolio
Replies: 7
Views: 917
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