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Re: Good interview with John Bogle

So, is this the Buffet 2-fund Portfolio?

elgob
by elgob.bogle
Thu Aug 21, 2014 1:39 pm
 
Forum: Investing - Theory, News & General
Topic: Good interview with John Bogle
Replies: 24
Views: 2291

Re: An Honest Stock Market Update

Well - I missed it the first time around. Thanks for posting it!

elgob
by elgob.bogle
Mon Aug 18, 2014 5:34 pm
 
Forum: Investing - Theory, News & General
Topic: An Honest Stock Market Update - A good laugh
Replies: 17
Views: 2881

Re: Do Super wealthy have access to different investing vehi

Johnny said: I guess one avenue may be if they own a business, and have a presence abroad in a country with low taxes, and keep the money there? I'm not well versed in how business profits are taxed. But for this to work for a person, I'd imagine they'd have to own a significant portion of a company...
by elgob.bogle
Sun Aug 17, 2014 9:02 am
 
Forum: Investing - Theory, News & General
Topic: Do Super wealthy have access to different investing vehicles
Replies: 76
Views: 6200

Re: Poll: Do you own Total Bond Market?

No - Recently retired, 40/60 liability matching, low, two comma portfolio. Fixed Income: 5% Int Term Munis, 8% individual 5-yr TIPS, 8% Individual 10-yr TIPS, 15% Int Term Treasury Fund, 24% Short Term Treasury Fund - All Fixed income at Vanguard & about 80% of Fixed income in ROTH IRA accounts....
by elgob.bogle
Mon May 12, 2014 10:03 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Do you own Total Bond Market?
Replies: 50
Views: 4516

Re: 5 yr TIPs auction announced 4/10- any takers?

I'm still going for it! A TIPS ladder is part of my financial plan! I'm also looking at the overall portfolio, and not the return of TIPS in isolation.

elgob
by elgob.bogle
Thu Apr 17, 2014 7:32 am
 
Forum: Investing - Theory, News & General
Topic: 5 yr TIPs auction announced 4/10- any takers?
Replies: 36
Views: 4246

Re: 5 yr TIPs auction announced 4/10- any takers?

Thanks for the clarification & the link #Cruncher.

elgob
by elgob.bogle
Sat Apr 12, 2014 1:47 pm
 
Forum: Investing - Theory, News & General
Topic: 5 yr TIPs auction announced 4/10- any takers?
Replies: 36
Views: 4246

Re: 5 yr TIPs auction announced 4/10- any takers?

My confirmation statement indicates: "U S TREASURY INFLATION INDEX NOTE WHEN ISSUED 0% 04/15/19 04/15/14". Is Vanguard indicating that the auction will occur on April 15?

BTW, my purchase will be part of my TIPs ladder construction per my ISP.

elgob
by elgob.bogle
Fri Apr 11, 2014 11:45 am
 
Forum: Investing - Theory, News & General
Topic: 5 yr TIPs auction announced 4/10- any takers?
Replies: 36
Views: 4246

Re: 5 yr TIPs auction announced 4/10- any takers?

Placed my order today!

elgob
by elgob.bogle
Thu Apr 10, 2014 11:55 pm
 
Forum: Investing - Theory, News & General
Topic: 5 yr TIPs auction announced 4/10- any takers?
Replies: 36
Views: 4246

Re: VTI v. VTSAX: any reason to do one over the other in a R

With the Mutual Fund, you can choose to have dividends reinvested. This will occur at the end of the day, and will include fractional shares. With an ETF, dividends are paid into the sweep account from which you can buy whole shares a few days later.

elgob
by elgob.bogle
Mon Mar 03, 2014 7:31 pm
 
Forum: Investing - Theory, News & General
Topic: VTI v. VTSAX: any reason to do one over the other in a Roth?
Replies: 11
Views: 703

Re: TIPS & Sequence of Return Risk

castlemodo wrote: " perhaps 10 years out from retirement buy a 10 year TIPS then each year buy another 10 year TIPS" I'm using the 5 years between 65 & 69 to purchase a 10-year ladder so that when I am 70, one rung plus SS will cover my expected expenses. I am accomplishing this by pur...
by elgob.bogle
Fri Feb 28, 2014 7:52 pm
 
Forum: Investing - Theory, News & General
Topic: TIPS & Sequence of Return Risk
Replies: 27
Views: 1889

Re: Mutual Funds vs. ETF's

Correct me if I am wrong - but I seem to recall a lengthy discussion about ETFs vs MFs several years back and there was an apparent advantage that if you buy a mutual fund, you own it but if you buy an ETF, it can be borrowed and therefore is more risky in a crisis. Does anyone recall that discussio...
by elgob.bogle
Mon Feb 17, 2014 9:39 pm
 
Forum: Investing - Theory, News & General
Topic: Mutual Funds vs. ETF's
Replies: 30
Views: 2303

Re: How to invest $1.4 mil inheritance?

you might consider using some of the funds to buy 30 year TIPS (for inflation protection) at this week's Treasury auction.

elgob
by elgob.bogle
Sun Feb 16, 2014 7:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to invest $1.4 mil inheritance?
Replies: 74
Views: 7898

Re: 30 yr TIPs auction announced 2/13- any takers?

see also Boglehead Topic: Wade Pfau's TIPS ladder guide Postby Aptenodytes » Thu Dec 19, 2013 1:39 pm This will be of interest to many people here. I found it clear and illuminating. http://wpfau.blogspot.com/2013/12/how-d ... r-for.html For a recent thread that flushed out much of the forum's exper...
by elgob.bogle
Thu Feb 13, 2014 10:15 pm
 
Forum: Investing - Theory, News & General
Topic: 30 yr TIPs auction announced 2/13- any takers?
Replies: 131
Views: 8702

Re: 30 yr TIPs auction announced 2/13- any takers?

From the thread: Should We Hold TIPS? To me, the whole point about TIPS is not having to forecast inflation . Why do I care if inflation is low? I'm trying to provide for my wife and for me, not win an investment contest--if inflation is low and my TIPS do poorly, it's because prices are low and I d...
by elgob.bogle
Thu Feb 13, 2014 10:00 pm
 
Forum: Investing - Theory, News & General
Topic: 30 yr TIPs auction announced 2/13- any takers?
Replies: 131
Views: 8702

Re: Deciding between Vanguard Target Retirement 2040 and 204

Laura said: "The holdings will be almost identical. "

Perhaps I misunderstood your question. I was thinking that you were asking would the within equity ratios of the underlying funds be the same in 2040/2045 as they are today. If that is your question, I will stand by my answer.

elgob
by elgob.bogle
Thu Jan 16, 2014 3:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Deciding between Vanguard Target Retirement 2040 and 2045.
Replies: 15
Views: 1334

Re: New 10year TIP January 2014

Yes - I placed my order thru Vanguard Brokerage Service this morning for the January 23rd 10-Year TIPS Treasury Auction

elgob
by elgob.bogle
Thu Jan 16, 2014 3:20 pm
 
Forum: Investing - Theory, News & General
Topic: New 10year TIP January 2014
Replies: 20
Views: 1677

Re: Deciding between Vanguard Target Retirement 2040 and 204

Vanguard has been known to change the composition of its Target Date Funds. I doubt that anyone can say for sure what the ratio within equities will be.

elgob
by elgob.bogle
Wed Jan 15, 2014 11:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Deciding between Vanguard Target Retirement 2040 and 2045.
Replies: 15
Views: 1334

Re: 3 fund portfolio vs. slice and dice

"Paul Merriman isn't as wise as the 2 big horses we have on this website" I think that we have an entire herd of big horses on this web site!

elgob
by elgob.bogle
Wed Jan 15, 2014 11:35 pm
 
Forum: Investing - Theory, News & General
Topic: 3 fund portfolio vs. slice and dice
Replies: 39
Views: 2921

Re: Bond funds are not riskier than bond ladders

Thanks Doc! I'm getting ready to place my order with VBS for the upcoming TIPs auction. Going to increase purchase amount over last year's purchase to account for inflation. This annual increase to reflect inflation when building a bond ladder via Treasury Direct purchases apparently is not frequent...
by elgob.bogle
Wed Jan 15, 2014 11:30 pm
 
Forum: Investing - Theory, News & General
Topic: Bond funds are not riskier than bond ladders
Replies: 120
Views: 6663

Re: Larry Kudlow bad advice on bonds

bhsince87 wrote:
"I'll only own a bond if somebody pays me to own it!"
G-Money wrote:
"That's the basic idea behind bond ownership, no?"

+1

elgob
by elgob.bogle
Wed Jan 15, 2014 5:44 pm
 
Forum: Investing - Theory, News & General
Topic: Larry Kudlow bad advice on bonds
Replies: 52
Views: 4938

Re: Bond funds are not riskier than bond ladders

Here's a question whose answer I may have overlooked above: If one is building a TIPS bond ladder to meet anticipated future expenses, should the number of bonds purchased each successive year be incrqsed from the base year by the rate of inflation. For example, if one started with a $10,000 purchas...
by elgob.bogle
Wed Jan 15, 2014 4:14 pm
 
Forum: Investing - Theory, News & General
Topic: Bond funds are not riskier than bond ladders
Replies: 120
Views: 6663

Re: Should I add more money to a TIPS fund when its value dr

Individual TIPs held in a ROTH IRA are always available to sell. You may take a hit if sold before maturity.

elgob
by elgob.bogle
Wed Jan 08, 2014 10:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I add more money to a TIPS fund when its value drops?
Replies: 40
Views: 2420

Re: Jack Bogle: We Need to Fix the Bond Index

So what would a "Boglehead US Bond Index Fund of Funds" look like? e.g. 1/4 Teasury-Agency, 1/4 TIPS, 1/4 Corporate -High Yield Corporate, 1/4 Municipal. What should the target duration be?
It would be a nice exercise for the forum to put it together.


elgob
by elgob.bogle
Wed Jan 08, 2014 9:51 am
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle: We Need to Fix the Bond Index
Replies: 77
Views: 7223

Re: Should I add more money to a TIPS fund when its value dr

You could purchase 10-year TIPS individual bonds at the upcoming Treasury Auction Jan 23 and an equal amount of year 5-year TIPS individual bonds at the upcoming April Treasury Auction (or in any ratio that you would like) and would not have to worry about loosing any money if held to maturity. If y...
by elgob.bogle
Tue Jan 07, 2014 10:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I add more money to a TIPS fund when its value drops?
Replies: 40
Views: 2420

Re: Jack Bogle: We Need to Fix the Bond Index

Sound like Jack was saying reduce TBM by 1/2 and replace with short term corporate index fund.

elgob
by elgob.bogle
Tue Jan 07, 2014 8:03 pm
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle: We Need to Fix the Bond Index
Replies: 77
Views: 7223

Re: How much TIPS during accumulation phase?

I prefer half five-year TIPs and half 10-year TIPS bought at par to build my TIPS ladder.

elgob
by elgob.bogle
Sat Jan 04, 2014 11:40 am
 
Forum: Investing - Theory, News & General
Topic: How much TIPS during accumulation phase?
Replies: 74
Views: 4870

Re: Bond Allocation

I think Mr. Bogle suggested Age in Bonds as a general guideline. I have not seen 125-age as a guideline. Where did you get that idea?

elgob
by elgob.bogle
Fri Jan 03, 2014 12:20 am
 
Forum: Investing - Theory, News & General
Topic: Bond Allocation
Replies: 3
Views: 709

Re: How much TIPS during accumulation phase?

Here are a two points paraphrased from Chapter 11 in Larry's Bond Book that are, IMHO, worth considering: For most investors in the accumulation stage, the overriding motivation for including fixed-income assets in a portfolio is risk reduction and not to achieve the highest expected return. During ...
by elgob.bogle
Thu Jan 02, 2014 1:03 am
 
Forum: Investing - Theory, News & General
Topic: How much TIPS during accumulation phase?
Replies: 74
Views: 4870

Re: TIPs in my Roth IRA?

You might consider participating in the upcoming 23 January 10-year TIPS auction. If you purchase TIPS in a Vanguard ROTH IRA account, you will not pay taxes on the "phantom income" that is generated. If you purchase in a regular IRA, you delay the taxes until withdrawal. You would pay no ...
by elgob.bogle
Wed Jan 01, 2014 3:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIPs in my Roth IRA?
Replies: 1
Views: 227

Re: Retired investors international allocation

I'm 65.5 and I have 30% of Equities (about 10% of portfolio) in Vanguard Total International Index Fund. The decision was based on the "sweet spot" (20% - 40%) of equities and the desire to be diversified.

elgob
by elgob.bogle
Wed Jan 01, 2014 3:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retired investors international allocation
Replies: 6
Views: 598

Re: Desired portfolio size at retirement?

I wonder how many people accounted for their estimated annual SS income and divided that number by .04 to pump up their desired total??

elgob
by elgob.bogle
Wed Jan 01, 2014 3:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Desired portfolio size at retirement?
Replies: 41
Views: 3486

Re: Official 2014 IRA is DONE sign-up

Spouse still works so we set up exchanges for tomorrow of $6500 each from our taxable account to our ROTH IRA's.

elgob
by elgob.bogle
Wed Jan 01, 2014 2:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Official 2014 IRA is done. Sign-up
Replies: 47
Views: 2771

Re: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST

2001 - A SPACED OUT ODYSSEY is my 2014 prediction

elgob
by elgob.bogle
Wed Jan 01, 2014 12:45 pm
 
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST
Replies: 536
Views: 13726

Re: How much TIPS during accumulation phase?

It is coincidental that you should ask this question as I have just completed a quick re-read of Larry's "The Only Guide to a Winning Bond Strategy You'll Ever Need" in an attempt to answer the very question. In the book, Larry suggests no TIPS at this time due to low interest rate environ...
by elgob.bogle
Mon Dec 30, 2013 11:40 pm
 
Forum: Investing - Theory, News & General
Topic: How much TIPS during accumulation phase?
Replies: 74
Views: 4870

Re: Roth 5 Year Clarification

Thank you all!

elgob
by elgob.bogle
Mon Dec 23, 2013 1:24 pm
 
Forum: Investing - Theory, News & General
Topic: Roth 5 Year Clarification
Replies: 13
Views: 1100

Re: Roth 5 Year Clarification

I guess that I had it partly correct - but didn't carefully study the responses. Thanks for the clarification. It appears that reaching age 59.5 trumps all provided one has a 5-year old ROTH IRA! Is this scenario and others discussed somewhere in the Wiki?

elgob
by elgob.bogle
Sun Dec 22, 2013 11:59 pm
 
Forum: Investing - Theory, News & General
Topic: Roth 5 Year Clarification
Replies: 13
Views: 1100

Re: Roth 5 Year Clarification

Thanks! I was a little worried about the 5-year rule. For some reason, I had it in my mind that the 5-year wait was effective separately for each in a series of annual TIRA to ROTH conversions - DUH!!!!

thanks again

elgob
by elgob.bogle
Sun Dec 22, 2013 10:41 pm
 
Forum: Investing - Theory, News & General
Topic: Roth 5 Year Clarification
Replies: 13
Views: 1100

Re: Roth 5 Year Clarification

Does this 5-year rule apply to the rolled funds if they were originally deposited into a newly- created, separate ROTH IRA and then later comingled with funds from another, approximately 10 year old ROTH IRA? Or does it not matter, as long as one has had a ROTH for over 5 years? What if the ROTH was...
by elgob.bogle
Sun Dec 22, 2013 9:25 pm
 
Forum: Investing - Theory, News & General
Topic: Roth 5 Year Clarification
Replies: 13
Views: 1100

Re: Aligning my portfolio with the Three Fund strategy

"I can't believe that a group of people at the IRS " - think Lobbyists here!

elgob
by elgob.bogle
Thu Dec 12, 2013 8:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Aligning my portfolio with the Three Fund strategy
Replies: 33
Views: 7192

Re: Net Worth Survey 2014

" % of portfolio in equity + REIT's vs. fixed " I didn't see a similar response on this question - but I may have missed it. I recall that I reported values after estimated taxes the last time. I think that you should somehow tease apart those holdings that are tax-free vs. those that are ...
by elgob.bogle
Wed Dec 11, 2013 7:12 pm
 
Forum: Investing - Theory, News & General
Topic: Net Worth Survey 2014
Replies: 58
Views: 9019

Re: Income limits and affects on SS, and other things

Nice job summarizing. I think this should be in the Wiki.

elgob
by elgob.bogle
Wed Dec 04, 2013 10:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Income limits and affects on SS, and other things
Replies: 7
Views: 664

Re: Rising Interest Environment

RodC suggested "include a healthy dose of long TIPS in a portfolio ". Would you think that my 58yo spouse would benefit for participating in the upcoming (Feb 2014) Treasury Auction of 30yr TIPS? HAs she reached the age where she shouldn't buy 30-year TIPS?

elgob
by elgob.bogle
Wed Dec 04, 2013 2:59 pm
 
Forum: Investing - Theory, News & General
Topic: Rising Interest Environment
Replies: 47
Views: 4368

Re: Use VWIUX funds to purchase I-Bonds?

Thanks for your response. I was looking for another opinion. You confirmed my feelings about the move.

elgob
by elgob.bogle
Mon Nov 25, 2013 1:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Use VWIUX funds to purchase I-Bonds?
Replies: 2
Views: 360

Re: 22 years old, looking to start investing for retirement

Another way to find the ratio is to use Morningstar's XRay Tool. First, type in VTSMX (Total stock market) and a value such as $10000. The results for the entries will give you a style box as well as information on all of the investments in the fund. Then, edit the page and type in the symbols for t...
by elgob.bogle
Mon Nov 25, 2013 12:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: 22 years old, looking to start investing for retirement
Replies: 6
Views: 663

Use VWIUX funds to purchase I-Bonds?

Hi: We have 8 months emergency funds idle in cash at our local credit union, and we have many years of funds held in our Vanguard ROTH IRAs as principal that we could also tap in an emergency. We have Admiral shares of Intermediate Term Municipal Bonds (VWIUX) in our Taxable Vanguard account. Spouse...
by elgob.bogle
Sun Nov 24, 2013 4:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Use VWIUX funds to purchase I-Bonds?
Replies: 2
Views: 360

Re: Sell or not?

I have never donated shares, but others here with that experience may respond. I am guessing that if you decide to donate, you could mix various holdings each year to achieve the amount you want to donate to offset other income. I am also guessing that you can donate all of your holdings. Finding an...
by elgob.bogle
Sun Nov 24, 2013 4:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Sell or not?
Replies: 5
Views: 377

Re: 22 years old, looking to start investing for retirement

The Institutional Index (VIIIX) is and S&P 500 Index Fund. This fund, in combination with the Extended Market Fund, simulates a Total US Stock Market Fund. The ratio is about 4 to 1 Institutional to Extended. See the WIKI for the specific ratio. You might consider Vanguard Total Bond in your 401...
by elgob.bogle
Sun Nov 24, 2013 4:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: 22 years old, looking to start investing for retirement
Replies: 6
Views: 663

Re: Roll IRA to 401k to open up ROTH backdoor?

Roll them both to IRAs at Vanguard. With accounts at Vanguard, you can maximum amounts for each fund. e.g. Use your account for Total US and your wife's account for Total International. This may allow Admiral Status.

Best regards,

elgob
by elgob.bogle
Sun Nov 24, 2013 4:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roll IRA to 401k to open up ROTH backdoor?
Replies: 8
Views: 530

Re: Sell or not?

Take at look at this similar thread
viewtopic.php?f=1&t=126952

elgob
by elgob.bogle
Sun Nov 24, 2013 3:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Sell or not?
Replies: 5
Views: 377
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