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Re: The lowest stock allocation you plan to stay with

If we've "won the game" (have accumulated 50 x estimated annual expenses) by the time wife retires in 5 years at age 65 (I'll be 72), we plan to downsize our equity position from 35% to 25% and hold at that level.

elgob
by elgob.bogle
Fri Jan 30, 2015 7:26 pm
 
Forum: Investing - Theory, News & General
Topic: The lowest stock allocation you plan to stay with
Replies: 70
Views: 2721

Re: Rolling over 401ks to IRA

Welcome to the Forum! Have you considered moving your account to vanguard? They will do all of the work for you. Also, is there a limit on the number of rollovers and/or transfers that you can do in any given year without incurring tax penalties?

elgob
by elgob.bogle
Fri Jan 30, 2015 7:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rolling over 401ks to IRA
Replies: 3
Views: 216

Re: Is it unusual to have NO index fund options in 403(b)?

You didn't mention if you and your spouse have ROTH IRA's. When faced with a similar problem a few years back, a friend used the $$ to fund both her husband's and her ROTH IRA's. She did not have a 403b match, so she didn't loose out on anything except the total amount she was able to put in tax adv...
by elgob.bogle
Fri Jan 30, 2015 2:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is it unusual to have NO index fund options in 403(b)?
Replies: 10
Views: 531

Re: Cheaper to rollover old 401k?

That $100/per year extra bumps your overall ER from .08 up to .63 suggests that you don't have a lot of $$ in the account - or am I missing something? Accordingly, I suggest that you roll it into your IRA.

elgob
by elgob.bogle
Fri Jan 30, 2015 2:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Cheaper to rollover old 401k?
Replies: 7
Views: 366

Re: Is now a bad time to buy a mutual fund?

Welcome to the Forum! Short Answer - Yes. Others may have a different opinion. Wife would invest in Spartan Total Market if it was available for her, instead she uses Spartan S&P 500:Spartan Extended Market Index at a 4:1 ration to emulate the Total market Fund.

elgob
by elgob.bogle
Fri Jan 30, 2015 2:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is now a bad time to buy a mutual fund?
Replies: 13
Views: 1101

Re: Mr. Bogle on CNBC today--International and Bonds

Thanks for the link. I have been tempted lately to move toward cap weighting. Having watched the video, I think I'll do nothing.

elgob
by elgob.bogle
Tue Jan 27, 2015 4:52 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Bogle on CNBC today--International and Bonds
Replies: 48
Views: 5355

Re: Too Many SpecIDs for Cost Basis. Good case to not reinve

That's what I did - all dividends go to MM fund which I can then use as i please. I have using the $$ from the MM fund for my annual ROTH IRA purchases.

elgob
by elgob.bogle
Tue Jan 27, 2015 4:44 pm
 
Forum: Investing - Theory, News & General
Topic: Too Many SpecIDs for Cost Basis. Good case to not reinvest?
Replies: 8
Views: 595

Re: TIPs, what do they really add

quote I think it was Rick Ferri who attributed the "take the risk on the stock side" end-quote

This sounds more like something Bill Bernstein or Larry Swedroe would have said. I seem to recall that Rick holds junk bonds in his portfolio.

elgob
by elgob.bogle
Sun Jan 25, 2015 5:39 pm
 
Forum: Investing - Theory, News & General
Topic: TIPs, what do they really add
Replies: 33
Views: 2841

Re: Poll: Principles of Boglehead Philosopy

I wonder what the results would have been if the listings were in some other order, e.g. alphabetically?? Seems to me that he ones at the top were favored heavily, and I suspect that some of that is due to their location on the selection list.

elgob
by elgob.bogle
Fri Jan 23, 2015 1:09 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Principles of Boglehead Philosophy
Replies: 66
Views: 3532

Re: Newly Married: budgets, loans, and investments oh my!

I think that you can consolidate some or all of your federal loans - if you wish.

elgob
by elgob.bogle
Tue Jan 20, 2015 7:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Newly Married: budgets, loans, and investments oh my!
Replies: 9
Views: 954

Re: LMP TIPS ladder- Purchase at next week's auction?

FWIW, I already am retired and I am in the process of building a TIPS ladder. I have been purchasing 10 yr TIPS in January and 5 yr TIPS in April over the past two years, and I have already entered an order for this January's 10 yr TIPS auction. Continuing this purchasing strategy will allow me to b...
by elgob.bogle
Fri Jan 16, 2015 10:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: LMP TIPS ladder- Purchase at next week's auction?
Replies: 6
Views: 865

Vanguard now taking orders for 10yr TIPS

I was able to place my order for 10-year TIPs today (1-15-2015) at 12:15.

elgob
by elgob.bogle
Thu Jan 15, 2015 12:19 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard now taking orders for 10yr TIPS
Replies: 5
Views: 1385

Re: How do I protect my mutual fund accounts from hacking?

stan1 wrote: "Do not use Windows XP/Internet Explorer 8."

I concur - Microsoft no longer supports Windoze XP, and there may be hacking exploits that you cannot protect yourself from that are not possible with more recent Windoze operating systems. Time to upgrade!

elgob
by elgob.bogle
Fri Jan 02, 2015 11:46 pm
 
Forum: Investing - Theory, News & General
Topic: How do I protect my mutual fund accounts from hacking?
Replies: 44
Views: 2535

Re: Vanguard states ERs to 3 places!

On my account page, Vanguard reports individual TIPS prices to 3 decimal places but lists day-to-day changes to two decimal places. e.g price $101.297 change $0.87 change 0.87%

This is confusing!

elgob
by elgob.bogle
Fri Jan 02, 2015 11:35 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard states ERs to 3 places!
Replies: 26
Views: 2887

Re: 2015 BOGLEHEAD CONTEST REGISTRATION

2211.00

elgob.bogle
by elgob.bogle
Fri Jan 02, 2015 10:43 am
 
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEAD CONTEST REGISTRATION
Replies: 556
Views: 19743

Re: maximum 403b 2015 in 4 months

I did exactly what you are proposing with my 457b account during the 4 months prior to my May 2011 retirement. Spouse plans to to the same with her 401k when she retires. Since I am already retired, she plans to work until she maximizes ($23,000) her 401k plus earns an additional $13000 so we can pu...
by elgob.bogle
Tue Dec 30, 2014 9:07 am
 
Forum: Investing - Theory, News & General
Topic: maximum 403b 2015 in 4 months
Replies: 7
Views: 790

Re: Munis: intermediate vs. (intermediate plus limited)

I use my Municipal Bond fund to fund annual ROTH IRA ($13000). I will exhaust these funds in 4 years at about the time when spouse retires. I stick to the shortest Vanguard duration because of this need, coupled with the possibility that there may be an rate increase which may reduce the NAV when I ...
by elgob.bogle
Tue Dec 30, 2014 8:54 am
 
Forum: Investing - Theory, News & General
Topic: Munis: intermediate vs. (intermediate plus limited)
Replies: 10
Views: 1731

Re: What are your Financial New Year's Resolutions?

Stop peeking/updating spreadsheet so often

elgob
by elgob.bogle
Tue Dec 30, 2014 8:45 am
 
Forum: Personal Finance (Not Investing)
Topic: What are your Financial New Year's Resolutions?
Replies: 44
Views: 3300

Re: 403b AND 401k

Spouse originally had a 403b, for which new contributions were halted by employer when a 401k plan was established. Spouse cannot move 403b to 401k or to another location (e.g. Vanguard) until she retires. The mix of investments has always been the same for both plans. Recently with federal regulati...
by elgob.bogle
Sun Dec 28, 2014 8:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: 403b AND 401k
Replies: 3
Views: 608

Re: Int'l Value vs Int'l Small Caps?

FWIW - I think that the M* style box for VXUS is closely approximated by VEA:VSS:VWO at 3:1:1

elgob
by elgob.bogle
Sun Dec 28, 2014 7:51 pm
 
Forum: Investing - Theory, News & General
Topic: Int'l Value vs Int'l Small Caps?
Replies: 32
Views: 3991

Re: Asset Allocation Questions for Retirement Accounts

When I retired, I rolled both my 457b and my 401a into a Vanguard Rollover IRA. I just filled out a bit of paperwork and Vanguard did the rest for me. This has given me almost unlimited flexibility,lower fees, ownership in the funds, and a prospectus for each fund that I invest in. You might conside...
by elgob.bogle
Sun Dec 28, 2014 3:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Questions for Retirement Accounts
Replies: 4
Views: 467

Re: Roth IRA funds--should I make any changes?

Welcome to the forum. Yes - Exchange those expensive funds for low cost index funds. Recommend, as a start, that you plug in each of your funds with corresponding values, into the Morningstar X-ray Tool and compare the results, both individually and collectively, with a combination of Vanguard Total...
by elgob.bogle
Sat Dec 27, 2014 9:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA funds--should I make any changes?
Replies: 6
Views: 997

Re: Introductory article on vice.com about retirement

Excellent summary article! Is the author, Lee Fang ("Thee Fang"), in reality Mr Bogle?

elgob
by elgob.bogle
Thu Dec 18, 2014 9:58 am
 
Forum: Investing - Theory, News & General
Topic: Introductory article on vice.com about retirement
Replies: 1
Views: 760

Re: Bogle: How Bond Indexing Could Be Better

Question: Didn't Mr Bogle develop Vanguard's TBM product? Question: If so, did he do it a a time when sovereign banks did not make large US Treasury bond purchases and sit on them like they are doing now? Question: If so, is he subtly carping about foreign governments skewing the composition of his ...
by elgob.bogle
Wed Dec 17, 2014 8:00 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle: How Bond Indexing Could Be Better
Replies: 14
Views: 1343

Re: Parking money for 10+ years & tax considerations

Individual 10-year TIPs auction coming up in mid-January

elgob
by elgob.bogle
Wed Dec 17, 2014 11:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Parking money for 10+ years & tax considerations
Replies: 13
Views: 1394

Re: Could it be worth using Roth even in a high tax bracket?

I think that right now, ROTH IRA's are the way to go regardless of one's tax bracket because: a) We are currently paying income taxes at a historically low rate; b) someone has to pay for all of the future domestic spending which implies to me the rates are likely to increase to some previous level;...
by elgob.bogle
Tue Dec 16, 2014 8:37 pm
 
Forum: Investing - Theory, News & General
Topic: Could it be worth using Roth even in a high tax bracket?
Replies: 37
Views: 2474

Re: [POLL] What Fixed Income Assets Do You Use?

I would be in intermediate treasuries also, except that the duration exceeds the time frame during which I will use the ST Treasuries to purchase more indiviudal TIPS for my ladder. Eventually, I'll likely have all TIPS in a ladder and no ST Treasuries.

elgob
by elgob.bogle
Tue Dec 16, 2014 1:02 pm
 
Forum: Investing - Theory, News & General
Topic: [POLL] What Fixed Income Assets Do You Use?
Replies: 37
Views: 1816

Re: Investment books I have read.

Swimirvine asked: "Any other Suggestions?"
"The Only Guide to a Winning Bond Strategy You'll Ever Need" By l. Swedroe & J. Hempen
"The Four Pillars of Investing" by W. Bernstein

elgob
by elgob.bogle
Tue Dec 16, 2014 9:44 am
 
Forum: Investing - Theory, News & General
Topic: Investment books I have read.
Replies: 32
Views: 4574

Re: [POLL] What Fixed Income Assets Do You Use?

Welcome to the forum!

Individual 5 yr & 10 yr TIPS for ladder plus Short Term Treasury fund. In other words, all Treasuries, both nominal & inflation protected. Taking my risk on the equity side. Total Bond holds mortgage backed securities and corporate bonds.

elgob
by elgob.bogle
Tue Dec 16, 2014 8:24 am
 
Forum: Investing - Theory, News & General
Topic: [POLL] What Fixed Income Assets Do You Use?
Replies: 37
Views: 1816

Re: Total Market fund for Developed countries only

We once used Fidelity's FSPNX in wife's 401K. See https://nb.fidelity.com/public/workplacefunds/composition/2362. This is the Spartan Developed Market Institutional version with low (.07 ER) fees & 99.5% in Developed International Markets. According to Morningstar's Instant XRay Tool, VXUS can b...
by elgob.bogle
Sun Dec 14, 2014 9:05 am
 
Forum: Investing - Theory, News & General
Topic: Total Market fund for Developed countries only
Replies: 17
Views: 1465

Re: You folks think the big one is coming?

"It's a bearish pattern that suggests the current uptrend may reverse, however the middle plunge didn't hit the bottom channel line so it's a weak pattern. It's probably a decent time to proactively rebalance if you've been needing to anyways, but otherwise I wouldn't put much weight on it.&quo...
by elgob.bogle
Fri Dec 12, 2014 7:59 pm
 
Forum: Investing - Theory, News & General
Topic: You folks think [a market crash] is coming?
Replies: 64
Views: 5778

Re: TIPS Mutual Funds

I am "anxiously/nervously" awaiting the mid-January 2015 TIPS auction to purchase additional TIPS for my ladder.

elgob
by elgob.bogle
Fri Dec 12, 2014 6:59 pm
 
Forum: Investing - Theory, News & General
Topic: TIPS Mutual Funds
Replies: 42
Views: 3037

Re: Is monthly rebalancing too frequent?

I can't find the source, but I seem to recall that David Swenson indicated that optimal rebalancing occurs if it is done very frequently. Please correct me if I am wrong on this.

elgob
by elgob.bogle
Fri Dec 12, 2014 6:54 pm
 
Forum: Investing - Theory, News & General
Topic: Is monthly rebalancing too frequent?
Replies: 26
Views: 1559

Re: You folks think the big one is coming?

T. Boone Pickens thinks this dip is part of the oil cycle and that prices will recover. In the interview he state that "I don't think this is a big deal one way or the other"

http://money.cnn.com/video/news/2014/12 ... l.cnnmoney



elgob
by elgob.bogle
Fri Dec 12, 2014 6:39 pm
 
Forum: Investing - Theory, News & General
Topic: You folks think [a market crash] is coming?
Replies: 64
Views: 5778

Re: Poll: International Equity Portfolio Changes

I am currently 80/20 TSM/TISM and have been tempted to change to 70/30 TSM/TISM. However, on several occasions when I am about to pull the trigger on that move, I ask myself whether I should heed Mr Bogle (no more than 20% if you must) or get greedy. So far, Mr Bogle is winning inside my head.

elgob
by elgob.bogle
Thu Dec 11, 2014 7:16 am
 
Forum: Investing - Theory, News & General
Topic: Poll: International Equity Portfolio Changes
Replies: 6
Views: 667

Re: Don't Peek

My New Year's Resolution is to only peek when it is time to purchase TIPS at auction in January & April, add new $$ to ROTH IRA's, or respond to a Boglehead poll that requires peeking. :D

elgob
by elgob.bogle
Thu Dec 11, 2014 7:08 am
 
Forum: Investing - Theory, News & General
Topic: Don't Peek [at Your Portfolio Balance]
Replies: 33
Views: 3958

Re: What is your opinion about "tilting?"

I tilt to nominal Treasuries and TIPS and take my risk in equities.

elgob
by elgob.bogle
Thu Dec 11, 2014 7:00 am
 
Forum: Investing - Theory, News & General
Topic: What is your opinion about "tilting?"
Replies: 116
Views: 9377

Re: Why are high 401k fees maintained in competitive equilib

"I don't want to pay for The Golf Channel because you could not force me to watch it with a firearm. My neighbor probably is an avid watcher."


+1
elgob
by elgob.bogle
Thu Dec 11, 2014 6:52 am
 
Forum: Investing - Theory, News & General
Topic: Why are high 401k fees maintained in competitive equilibrium
Replies: 46
Views: 2398

Re: Poll: Your Portfolio Tax Diversification

Approximately 47.5% Traditional IRA, 47.5% ROTH IRA & 5.0% Taxable. This will change in January 2015 when I roll the last (7.5% of Portfolio) of my Traditional IRA into my ROTH IRA. The end result will be about 40% Traditional IRA, 55% ROTH IRA, 5% Taxable.

elgob
by elgob.bogle
Thu Dec 11, 2014 12:33 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Your Portfolio Tax Diversification
Replies: 45
Views: 2634

Re: Wade Pfau on 'The Toughest Retirement Decision'

I found an active link to a PDF containing the chart here https://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=1&cad=rja&uact=8&ved=0CB4QFjAA&url=http%3A%2F%2Fwww.alger.com%2Fpt%2FShowProperty%3FnodePath%3D%2FAlgerAppRepository%2FAlger%2FAlgerBinaryConten...
by elgob.bogle
Sun Nov 30, 2014 11:36 pm
 
Forum: Investing - Theory, News & General
Topic: Wade Pfau on 'The Toughest Retirement Decision'
Replies: 36
Views: 4930

Re: Does investing in a 401k actually save any money?

Another point to consider is ROTH IRA withdrawals do not impact taxes on Social Security http://www.fool.com/retirement/general/ ... efits.aspx

elgob
by elgob.bogle
Sun Nov 30, 2014 8:50 am
 
Forum: Investing - Theory, News & General
Topic: Does investing in a 401k actually save any money?
Replies: 75
Views: 10559

Re: What percent "Boglehead" are you?

Some of the 10 points have more to do with one's history, while others can characterize an investor's habits both formerly and today. I think that it is most important to look at where one stand today, and not in the past. After all, how many of us were born a boglehead? I'd give myself neatly a per...
by elgob.bogle
Sat Nov 22, 2014 6:42 pm
 
Forum: Investing - Theory, News & General
Topic: What percent "Boglehead" are you?
Replies: 125
Views: 10248

Re: Boglehead' Guide to Investing, 2/E

Excellent! Thanks!

elgob
by elgob.bogle
Fri Nov 21, 2014 4:01 pm
 
Forum: Investing - Theory, News & General
Topic: Boglehead' Guide to Investing, 2/E
Replies: 8
Views: 1793

Re: Additional Betas: Defining and implementing

Thanks for this. IMO - this is one of the best summary interviews I have seen on Beta and portfolio construction. It also suggests to me how informative it would be to watch a DVD on which you have succinctly combined all of your ideas from all of your books in one package. Any chance of something l...
by elgob.bogle
Tue Nov 18, 2014 7:12 am
 
Forum: Investing - Theory, News & General
Topic: Additional Betas: Defining and implementing
Replies: 6
Views: 786

Re: Looking for some opinions on 403b allocations

Welcome to the forum. Do you have access to Fidelity's Extended US Market Index Fund? If so, the Fidelity S&P Fund:Fidelity Extended Market Fund in a 4:1 ratio generates the same style box as Vanguard's Total US Market Fund. You can better explore your selections and ratios by using the free Mor...
by elgob.bogle
Thu Nov 13, 2014 6:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Looking for some opinions on 403b allocations
Replies: 5
Views: 403

Re: Is deflation possible and how do you hedge against it?

New Issue Individual TIPs are a hedge against deflation as well as a hedge against inflation. IMHO, they should be a big part of ones FI. I believe in taking my risk in equities.

elgob
by elgob.bogle
Wed Nov 05, 2014 10:09 pm
 
Forum: Investing - Theory, News & General
Topic: Is deflation possible and how do you hedge against it?
Replies: 4
Views: 666

Re: Why stay in intermediate term bonds?

Welcome to the forum! Read Larry Swedroe's Post : "Investment Lessons from QE" above (viewtopic.php?f=10&t=150188). It might give you some insight about staying the course.

elgob
by elgob.bogle
Wed Nov 05, 2014 7:19 pm
 
Forum: Investing - Theory, News & General
Topic: Why stay in intermediate term bonds?
Replies: 38
Views: 3855

Re: Vanguard web site changes

I don't have a cell phone either - and I don't want one. Perhaps this new security will have a beneficial Boglehead Effect by limiting logging on which is required to "do something" :D

elgob
by elgob.bogle
Tue Nov 04, 2014 4:00 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard web site changes
Replies: 51
Views: 7672

Re: So you think you're a Risk-taker?

Thanks for the link. Here is another that provided me the article without a sbuscription: http://blogs.wsj.com/moneybeat/2014/10/ ... isk-taker/
by elgob.bogle
Sat Oct 25, 2014 11:04 am
 
Forum: Investing - Theory, News & General
Topic: So you think you're a Risk-taker?
Replies: 36
Views: 5285
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