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VTI vs. VTSAX [Vanguard Total Stk Mkt: ETF vs. Mutual Fund]

For the long term Vanguard investor who periodically invests, does the eft have any advantage over the total stock market mutual fund?
by devotee
Tue Apr 15, 2014 8:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: VTI vs. VTSAX [Vanguard Total Stk Mkt: ETF vs. Mutual Fund]
Replies: 7
Views: 1004

Re: Reits in VTSMX?

I also like the idea of having the Vanguard TR as the only fund you need and that's why I wish they would include the REIT index fund in the mix to somewhat increase the real estate allocation from the minuscule percentage that's in VTSMX.
by devotee
Sat Apr 12, 2014 1:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reits in VTSMX?
Replies: 7
Views: 441

Re: Reits in VTSMX?

Many people like the simplicity and automatic re-balancing of a target retirement fund. Do you feel that the Vanguard TR funds should include the REIT index fund as a separate part of their equity allocation?
by devotee
Sat Apr 12, 2014 12:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reits in VTSMX?
Replies: 7
Views: 441

Reits in VTSMX?

Many financial advisors include reits in their suggested equity allocation. I know that Vanguard has a REIT index fund. I was wondering if the Vanguard Total Stock Market Index Fund contains Reits to any appreciable extent.
by devotee
Sat Apr 12, 2014 12:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reits in VTSMX?
Replies: 7
Views: 441

Re: Can I split Target Retirement Funds?

The TR funds provide for additional bond diversification with foreign bonds and short-term TIPS. Also, if one pre-decreases a spouse beneficiary who is not at all financially savvy, the TR can put their inherited nest egg on auto pilot.
by devotee
Sun Mar 09, 2014 3:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can I split Target Retirement Funds?
Replies: 11
Views: 1075

Re: Is John Bogle Wrong on Retirement Asset Allocation?

"Capitalizing" involves a rigid quantitative response which for me (OP) would result in the unacceptable, risky placement of 80% of my nest egg into equities. "Taking into Account" implies a more qualitative response allowing one's individual risk tolerance to determine stock/bon...
by devotee
Wed Mar 05, 2014 7:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is John Bogle Wrong on Retirement Asset Allocation?
Replies: 43
Views: 4829

Re: Is John Bogle Wrong on Retirement Asset Allocation?

I just don't see why the opinions of Bogle (or anyone, for that matter) engender any devotion, or creation of camps to defend, or cause anyone (like the OP) to sheepishly ask, "Is John Bogle Wrong". Build positions around financial research papers; defend or question their assumptions and ...
by devotee
Tue Mar 04, 2014 8:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is John Bogle Wrong on Retirement Asset Allocation?
Replies: 43
Views: 4829

Re: Is John Bogle Wrong on Retirement Asset Allocation?

I can afford to be that conservative because half of my fixed income nest egg is totally in a 403b that pays exactly 7% year in and year out with no possible loss of principal no matter what happens to interest rates. I can understand that those without that benefit may want to have more allocation ...
by devotee
Mon Mar 03, 2014 6:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is John Bogle Wrong on Retirement Asset Allocation?
Replies: 43
Views: 4829

Re: Is John Bogle Wrong on Retirement Asset Allocation?

I agree with the bogleheads that Mel Lindauer mentions as being opposed to Mr. Bogle's inclusion of pension and Social Security in the asset allocation calculation. I personally use the latter two as an income stream (as Mel suggests) to reduce any necessary distributions from my nest egg. I do inte...
by devotee
Mon Mar 03, 2014 5:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is John Bogle Wrong on Retirement Asset Allocation?
Replies: 43
Views: 4829

Is John Bogle Wrong on Retirement Asset Allocation?

A recent article on marketwatch.com mentioned Mr. Bogle's long-held belief, with which I agree, to have your fixed income allocation roughly equal your age. Then the article proceeded to mention what they said was Mr.Bogle's lesser well-known advice to include any pension and Social Security payment...
by devotee
Mon Mar 03, 2014 4:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is John Bogle Wrong on Retirement Asset Allocation?
Replies: 43
Views: 4829

Re: 17.6 year stock market cycle

ajcp,
That's what makes it intriguing to see if the pattern continues. There's nothing intriguing about a well established pattern-- nobody's wondering if the sun will rise in the East tomorrow.
by devotee
Wed Jan 15, 2014 11:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: 17.6 year stock market cycle
Replies: 38
Views: 2587

Re: 17.6 year stock market cycle

Only time will tell.
by devotee
Wed Jan 15, 2014 11:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: 17.6 year stock market cycle
Replies: 38
Views: 2587

Re: 17.6 year stock market cycle

Taylor, I am aware of the CYCLICAL bull and bear markets in this decade. However, this long-term alternating 17 yr. (or so) pattern undeniably exists: 1929 - 1947 No overall gain in DJIA 1947 - 1965 DJIA quadruples 1965 - 1982 No overall gain in DJIA 1982 - 2000 DJIA increases over 1200% No predicti...
by devotee
Wed Jan 15, 2014 10:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: 17.6 year stock market cycle
Replies: 38
Views: 2587

Re: 17.6 year stock market cycle

postby baw703916 ┬╗ Wed Jan 15, 2014 7:23 pm G-Money wrote: I had not heard of Balenthiran before this thread. I expect that by tomorrow, I will have forgotten his theory/observation. And I anticipate that will be the most productive possible use of his analysis. :) If the prediction is right, then y...
by devotee
Wed Jan 15, 2014 8:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: 17.6 year stock market cycle
Replies: 38
Views: 2587

Re: 17.6 year stock market cycle

G-Money,
Try googling it. You'll see almost 2,000,000 results. It appears to be a well-known phenomenon in the financial world. I am not in a position to either mock it or support it. I simply wanted to throw it out there and get a discussion going.
by devotee
Wed Jan 15, 2014 7:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: 17.6 year stock market cycle
Replies: 38
Views: 2587

17.6 year stock market cycle

I was not able to find a conversation about the 17.6 year alternating bull/bear markets theory popularized by mathematician Kerry Balenthiran and written about a lot. For those of you unfamiliar with it, here is some approximate data: YEAR DJIA 1929 380 1947 220 (end of bear cycle) 1965 900 (end of ...
by devotee
Wed Jan 15, 2014 6:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: 17.6 year stock market cycle
Replies: 38
Views: 2587

Re: The Anti-Target Date Retirement Strategy

Taylor,
I respect your opinions and would be interested to know how you changed your stock allocation as your retirement progressed since 1982. One thought-- you were lucky in that you retired at the start of the greatest 17 year bull market in history until the dot com meltdown.
by devotee
Wed Jan 15, 2014 11:40 am
 
Forum: Investing - Help with Personal Investments
Topic: The Anti-Target Date Retirement Strategy
Replies: 48
Views: 3668

Re: The Anti-Target Date Retirement Strategy

Michread, where do you come down-- on the side of the target-date strategy or on the side of the U path?
by devotee
Mon Jan 13, 2014 5:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: The Anti-Target Date Retirement Strategy
Replies: 48
Views: 3668

Re: The Anti-Target Date Retirement Strategy

sambb and The Wizard don't seem to have bought into the target-date strategy where the 50% allocated to stocks at retirement winds down to 30% over the next ten years in the Vanguard model. Opinions?
by devotee
Mon Jan 13, 2014 5:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: The Anti-Target Date Retirement Strategy
Replies: 48
Views: 3668

The Anti-Target Date Retirement Strategy

I recently read about a retirement strategy at http://online.wsj.com/news/articles/SB10001424052702304866904579268332305015074?ru=yahoo?mod=yahoo_itp&mg=reno64-wsj&url=http%3A%2F%2Fonline.wsj.com%2Farticle%2FSB10001424052702304866904579268332305015074.html%3Fru%3Dyahoo%3Fmod%3Dyahoo_itp that...
by devotee
Mon Jan 13, 2014 5:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: The Anti-Target Date Retirement Strategy
Replies: 48
Views: 3668

Is VMMXX safe?

With respect to the impending debt ceiling deadline on Thursday, I read on-line today that Fidelity issued a statement that none of its money market funds hold any securities issued by the U.S. Treasury that mature in late October. I went on the Vanguard site, but couldn't find any information about...
by devotee
Sun Oct 13, 2013 12:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is VMMXX safe?
Replies: 9
Views: 1007

Re: Keeping cash in IRA for distributions

There is no RMD since we are not 70-1/2 yet. There is no transfer of funds into taxable accounts. The money withdrawn from the IRA monthly is for on-going living expenses. The point is not to have to take money from depressed stock funds, but to give those stock funds time to recover. I like the fir...
by devotee
Mon Oct 07, 2013 6:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Keeping cash in IRA for distributions
Replies: 8
Views: 602

Keeping cash in IRA for distributions

My wife and I are both 65 year old retires. Next year we plan to begin taking distributions from our IRAs. Since I do not want to have to liquidate stock mutual funds in a possible down market, I plan to keep a percentage of our IRAs in Vanguard's money market fund so we can take monthly distributio...
by devotee
Mon Oct 07, 2013 2:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Keeping cash in IRA for distributions
Replies: 8
Views: 602

Dumping Target Fund IRA

As a 65 year old retiree about to begin annual distributions from my Target 2015 fund, which holds the bulk of my assets, I am concerned that the inevitable rise in interest rates coming down the pike will adversely impact the fund due to its continual increasing allocation to fixed income with dura...
by devotee
Sun Jun 09, 2013 12:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dumping Target Fund IRA
Replies: 3
Views: 699

vcsh vs. vfstx [Short Term Corp. vs. Investment Grade Bond]

Any thoughts on which would be the better short-term bond vehicle? The ETF VCSH has a slightly better yield (1.15% vs. 1.03%) and expense ratio (0.12% vs. 0.20%). The mutual fund VFSTX has a lower duration (2.3 vs. 2.9) and is more diversified beyond simply U.S. corporate bonds (some treasury/agency...
by devotee
Mon May 06, 2013 7:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: vcsh vs. vfstx [Short Term Corp. vs. Investment Grade Bond]
Replies: 3
Views: 398

Fabulous Target-Date Move by Vanguard

Just read on finance.yahoo.com that Vanguard will add Total International Bond Index to the target funds (it will comprise 20% of the bond allocation) for diversification. Second, it's dropping the money market fund from the target funds. Third, it's replacing its TIPS fund with a duration over 8 wi...
by devotee
Wed Feb 13, 2013 7:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fabulous Target-Date Move by Vanguard
Replies: 2
Views: 1072

Re: vscgx vs. target retirement fund for 65 yr. old ?

The TIPS are scary to me because the moniker "inflation-protected" sounds great, but they're difficult to understand and predict.
by devotee
Mon Feb 04, 2013 11:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: vscgx vs. target retirement fund for 65 yr. old ?
Replies: 4
Views: 452

Re: vscgx vs. target retirement fund for 65 yr. old ?

You could match the 30% eventual stock allocation in the target funds by putting 50% in VSCGX (Life Stategy Conservative Growth) and 50% in VASIX (Life Strategy Income) and re-balancing periodically.
by devotee
Mon Feb 04, 2013 11:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: vscgx vs. target retirement fund for 65 yr. old ?
Replies: 4
Views: 452

vscgx vs. target retirement fund for 65 yr. old ?

With the general direction of interest rates no doubt headed up for the next few decades and the heavy emphasis in Target Retirement funds on VIPSX ( increasing to 20% of the portfolio 7 yrs. after the target date) with its duration over 8, do you think the Life Cycle Conservative Growth fund with i...
by devotee
Mon Feb 04, 2013 11:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: vscgx vs. target retirement fund for 65 yr. old ?
Replies: 4
Views: 452

Re: Rollovers to IRA

BTW, the Vanguard site can also link you to annuity quotes from insurance companies they work with and similarly, I found that the monthly pension pays more than the annuity quotes I got there. Furthermore, I read that taking the pension option is particularly beneficial for women because, whereas i...
by devotee
Sun Feb 03, 2013 11:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rollovers to IRA
Replies: 8
Views: 580

Re: Rollovers to IRA

Just took your advice and did it. The immediate annuity would pay $137 less than the pension each month. That certainly justifies the decision to take the pension. Thanks again.
by devotee
Sun Feb 03, 2013 11:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rollovers to IRA
Replies: 8
Views: 580

Re: Rollovers to IRA

I used Vanguard's RMD IRA tool to run four different scenarios comparing the lump sum approach against the pension with a 75% income for me if she pre-deceases me. One optimistic one I ran with an assumption of continuous 5% annual returns in VTXVX had my wife initially behind the pension by about $...
by devotee
Sun Feb 03, 2013 7:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rollovers to IRA
Replies: 8
Views: 580

Re: Rollovers to IRA

She wants to go with the lump sum because although the pension would pay out a few thousand more a year in the beginning, over time the distributions from the IRA would match and then exceed it. She also plans to work part-time for a few years. Additionally, assuming an actuarily normal lifespan wou...
by devotee
Sun Feb 03, 2013 12:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Rollovers to IRA
Replies: 8
Views: 580

Rollovers to IRA

My wife is retiring and will rollover her 401k and her cash balance pension (as a lump sum in lieu of taking a joint and survivor annuity pension from her employer) into her Vanguard Target Retirement 2015 IRA fund. I am quite sanguine about the 401k rollover since it is invested with a very similar...
by devotee
Sun Feb 03, 2013 12:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Rollovers to IRA
Replies: 8
Views: 580

Re: Interest Rate Risk with Retirement Income Fund

I am 64. The target retirement fund is 2015 presently, but would morph into Retirement Income Fund by about 2022, when I will be 73. ( I always remember John Bogle's rough estimate of your fixed income allocation equalling your age).
by devotee
Fri Jan 18, 2013 9:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Interest Rate Risk with Retirement Income Fund
Replies: 5
Views: 612

Interest Rate Risk with Retirement Income Fund

I have always been a proponent of Vanguard's Target Retirement funds. However, about 7 years or so after the target date, the fund will morph into the Retirement Income Fund (VTINX). With 45 percent in Total Bond ( duration over 5 with almost half it's portfolio in Treasuries/Agencies) and 20 percen...
by devotee
Fri Jan 18, 2013 6:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Interest Rate Risk with Retirement Income Fund
Replies: 5
Views: 612

Interest Rate Risk with Retirement Income fund

I have always been a proponent of Vanguard's Target Retirement funds. However, about 7 years or so after the target date, the fund will morph into the Retirement Income Fund (VTINX). With 45 percent in Total Bond ( duration over 5 with almost half it's portfolio in Treasuries/Agencies) and 20 percen...
by devotee
Fri Jan 18, 2013 5:51 pm
 
Forum: Investing - Theory, News & General
Topic: Interest Rate Risk with Retirement Income fund
Replies: 1
Views: 269

Re: IRA fund choice [VG Target Retirement vs. Wellesley fund

Thanks to John, Dave, and SpringMan (6 posts from them so far). John and Dave offer good advice on both sides of the indexing vs. active management argument. I like SpringMan's advice to diversify by making my IRA a two-fund portfolio with both of them. Since Wellesley can get up to 40% stocks, wher...
by devotee
Fri Jan 18, 2013 1:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: IRA fund choice [VG Target Retirement vs. Wellesley funds]
Replies: 10
Views: 908

IRA fund choice [VG Target Retirement vs. Wellesley funds]

For a one-fund IRA holding most of my assets, do you feel that a target retirement fund, which would become Vanguard's Retirement Income Fund (VTINX) after about 7 years would be better than The Wellesley Fund (VWINX)? VTINX has 30% stock exposure, some international stock allocation and mostly bond...
by devotee
Thu Jan 17, 2013 10:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: IRA fund choice [VG Target Retirement vs. Wellesley funds]
Replies: 10
Views: 908

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