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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: 731

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: 1278

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: 1328

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: 2364

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: 1726

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: 4308

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: 1726

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: 1410

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: 5704

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: 2887

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: 1510

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: 5704

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: 617

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: 3895

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: 8787

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: 2177

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: 2461

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: 4902

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: 9704

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: 120
Views: 7887

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: 1638

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: 683

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: 389

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: 653

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: 3755

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: 7294

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: 4543

Big Changes for Retirement Savers

Sunday article http://online.wsj.com/public/resources/ ... _-A002.pdf indicates changes for 401k savers. After tax contributions to 401ks (where allowed) may now be moved to ROTH accounts and avoid some taxes. Doesn't apply to me, but big savers might want to peek at the article.

elgob
by elgob.bogle
Sun Oct 19, 2014 9:28 pm
 
Forum: Investing - Theory, News & General
Topic: Big Changes for Retirement Savers
Replies: 14
Views: 3361

Re: 30 yr TIPs auction announced 16 oct: yield=1.10%?

FWIW - One can buy 5-yr TIPS bonds and 10-yr TIPS bonds each year for 5 years and end up with a 10-yr TIPs ladder at the end of 5 years. I began building mine at age 65 and will complete it just before I turn 70 at which time I will begin to receive Social Security. The two combined will served as m...
by elgob.bogle
Fri Oct 17, 2014 7:29 pm
 
Forum: Investing - Theory, News & General
Topic: 30 yr TIPs auction announced 16 oct: yield=1.10%?
Replies: 93
Views: 6819

Re: Another TIPS Thread

I hold my individual TIPS in my ROTH IRA via a Vanguard Brokerage account. I think that the only way to hold individual TIPS in tax advantaged accounts is through a brokerage. Someone please correct me if I am wrong about this.

elgob
by elgob.bogle
Tue Oct 14, 2014 9:00 pm
 
Forum: Investing - Theory, News & General
Topic: Another TIPS Thread
Replies: 5
Views: 516

Re: Does your ROTH hold risky or stable items?

Out Roth IRA's, which constitute about 1/2 of our combined portfolio, are 2/3 Fixed Income (TIPS ladder & Short Term Treasuries) and 1/3 Equities (US Extended Market & Total International Funds). Two weeks ago, they were entirely Fixed Income . With the recent dips in equity values, we decid...
by elgob.bogle
Tue Oct 14, 2014 4:18 am
 
Forum: Investing - Theory, News & General
Topic: Does your ROTH hold risky or stable items?
Replies: 56
Views: 3554

Re: Market at a glance: 52-week and today

Very informative - thank you!

elgob
by elgob.bogle
Mon Oct 13, 2014 12:27 pm
 
Forum: Investing - Theory, News & General
Topic: Market at a glance: 52-week and today
Replies: 16
Views: 2876

Re: Market at a glance: 52-week and today

Thanks! We hold S&P 500 (Fido fund) in a 401k & Vanguard's Extended Market in a ROTH IRA. ROTH space will not support VTI, thus the split. Morningstar Style box for 4:1 FXSIX:VXF yields the same numbers as VTI.

elgob
by elgob.bogle
Sun Oct 12, 2014 9:23 am
 
Forum: Investing - Theory, News & General
Topic: Market at a glance: 52-week and today
Replies: 16
Views: 2876

Re: Market at a glance: 52-week and today

Great Charts - thanks. If you do this again, would it be possible to include VXF (Vanguard Extended US Market ETF)?

elgob
by elgob.bogle
Sat Oct 11, 2014 6:54 am
 
Forum: Investing - Theory, News & General
Topic: Market at a glance: 52-week and today
Replies: 16
Views: 2876

Re: Will you invest in Bill Gross's new bond fund?

FWIW - I once saw an interview with Richard Feynman (this guy - http://scienceblogs.com/builtonfacts/2008/10/23/greatest-physicists-5-richard/ ) who indicated that once a person has reached her 40's, her mind has passed its most creative time, which occurs in her 20's & 30's - or something simil...
by elgob.bogle
Tue Sep 30, 2014 2:11 pm
 
Forum: Investing - Theory, News & General
Topic: Will you invest in Bill Gross's new bond fund?
Replies: 51
Views: 3048

Re: TIPS & Rick Ferri

"Would it be wise for my to adjust the bond allocation to include this Vanguard TIPS fund?" Some of us do. I don't like the Mortgage Backed Securities in the Total Bond Fund. One can break it down to its component parts and substitute for MBS and/or any of its other components. You could d...
by elgob.bogle
Sun Sep 28, 2014 1:40 pm
 
Forum: Investing - Theory, News & General
Topic: TIPS & Rick Ferri
Replies: 28
Views: 5151

Re: Bond King Gross to leave Pimco for Janus

J. Bogle was on today's Bloomberg's "In The Loop with Betty Liu" indicating that the move was a loss to the mutual fund industry.

elgob
by elgob.bogle
Fri Sep 26, 2014 8:02 am
 
Forum: Investing - Theory, News & General
Topic: Bill Gross moving from PIMCO to Janus, Monday
Replies: 119
Views: 11663

Re: "How to Win the Losers Game -- Part 5"

Thank you very much for this. I have summarized the various links as follows: How to Win The Loser's Game Part 1 Text http://www.sensibleinvesting.tv/how-to-win-the-losers-game-part-1 Video http://www.youtube.com/watch?v=wXgzFDgdxJk Part 2 Text http://www.sensibleinvesting.tv/how-to-win-the-losers-g...
by elgob.bogle
Wed Sep 24, 2014 4:01 pm
 
Forum: Investing - Theory, News & General
Topic: "How to Win the Losers Game -- Part 5"
Replies: 3
Views: 991

Time for another Death Cross Discussion

http://money.cnn.com/2014/09/24/investi ... index.html
see: viewtopic.php?f=10&t=98404&p=1423398

Please supplement your discussion with hilarious pictures. Thanks!

elgob
by elgob.bogle
Wed Sep 24, 2014 11:53 am
 
Forum: Investing - Theory, News & General
Topic: Time for another Death Cross Discussion
Replies: 3
Views: 731

Re: Consistent Yield & Duration to Help Choose TIPS Fund

I happen to agree with you for my situation. However, I want to thank #Cruncher for providing invaluable information. IMO, it is sad that Vanguard is squandering an opportunity to educate potential buyers by providing this kind of information.

elgob
by elgob.bogle
Fri Sep 19, 2014 9:30 pm
 
Forum: Investing - Theory, News & General
Topic: Consistent Yield & Duration to Help Choose TIPS Fund
Replies: 46
Views: 8159

Re: Roth help

New IRS Rules worth reviewing to see if they apply http://www.irs.gov/Retirement-Plans/IRA ... -Year-Rule

best regards
elgob
by elgob.bogle
Wed Sep 17, 2014 11:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth help
Replies: 14
Views: 580

Re: Inflation Bonds - Staying the Course?

I'm going to continue to build my "safe floor' TIPS ladder in my ROTH IRA by purchasing at auction 5-yr & 10-year TIPS each Jan & April, respectively. I'm 66 and before I reach 70, I'll have it completed. As they mature, I'll repurchase new ones at auction if I don't need the $$. This w...
by elgob.bogle
Wed Sep 17, 2014 9:35 am
 
Forum: Investing - Theory, News & General
Topic: Inflation Bonds - Staying the Course?
Replies: 43
Views: 3245

Re: Trying to understand taxes in retirement, correct me

2retire said: "I personally keep a spreadsheet with each lot I've ever bought and how much in CG have been earned on that money. It is pretty easy then to choose a few lots and see how much I'll owe in CG.". Vanguard does this for me in my taxable account.

elgob
by elgob.bogle
Tue Sep 16, 2014 9:30 pm
 
Forum: Investing - Theory, News & General
Topic: Trying to understand taxes in retirement, correct me
Replies: 11
Views: 1075

Re: Revocable trust

Thanks - good to know - was contemplating placing my residence in a revocable trust.

elgob
by elgob.bogle
Tue Sep 16, 2014 5:33 am
 
Forum: Personal Consumer Issues
Topic: Revocable trust
Replies: 13
Views: 1160

Re: Revocable trust

You might want to check the rules regarding Homestead Exemption in Florida. My sense is that if your placing a residence in a trust causes the title to change, your property value will be reset and you will loose the annual property tax savings (3% max annual increase in appraised value for primary ...
by elgob.bogle
Mon Sep 15, 2014 9:00 pm
 
Forum: Personal Consumer Issues
Topic: Revocable trust
Replies: 13
Views: 1160

Re: Link to webinar I did other day for our clients

Thank you! Excellent. I also listened to "Lessons from 2013" which was equally impressive.

elgob
by elgob.bogle
Fri Sep 12, 2014 1:21 pm
 
Forum: Investing - Theory, News & General
Topic: Link to webinar I did other day for our clients
Replies: 2
Views: 475

Re: Jack Bogle on Diversified Portfolios vs Speculation

Thanks for the link - an excellent interview IMO. I also was impressed with the "Nisi-like" instructions for making comments: "Please use the comments to demonstrate your own ignorance, unfamiliarity with empirical data and lack of respect for scientific knowledge. Be sure to create s...
by elgob.bogle
Fri Sep 12, 2014 7:57 am
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle on Diversified Portfolios vs Speculation
Replies: 5
Views: 876

Re: Protfollio Allocation Advice

Octang - you may consider exploring the various ratios of assets in your portfolio using the Instant X-Ray Tool linked here: http://portfolio.morningstar.com/Rtport/Free/InstantXRayDEntry.aspx Be sure to look at all of the data for each comparison, and not just the style boxes at the top. As a basel...
by elgob.bogle
Sun Aug 31, 2014 7:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Protfollio Allocation Advice
Replies: 14
Views: 1040

Re: Burton Malkiel Opinion in WSJ -- "Are Stock Prices ..."

google this: are-stock-prices-headed-for-a-fall

link (2nd of 2 WSJ links for me) was open Friday at 3:20 pm

elgob
by elgob.bogle
Fri Aug 29, 2014 2:21 pm
 
Forum: Investing - Theory, News & General
Topic: Burton Malkiel Opinion in WSJ -- "Are Stock Prices ..."
Replies: 26
Views: 3134
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