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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 10:28 pm
 
Forum: Investing - Theory, News & General
Topic: Big Changes for Retirement Savers
Replies: 14
Views: 3251

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 8:29 pm
 
Forum: Investing - Theory, News & General
Topic: 30 yr TIPs auction announced 16 oct: yield=1.10%?
Replies: 93
Views: 6469

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 10:00 pm
 
Forum: Investing - Theory, News & General
Topic: Another TIPS Thread
Replies: 5
Views: 505

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 5:18 am
 
Forum: Investing - Theory, News & General
Topic: Does your ROTH hold risky or stable items?
Replies: 56
Views: 3372

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

Very informative - thank you!

elgob
by elgob.bogle
Mon Oct 13, 2014 1:27 pm
 
Forum: Investing - Theory, News & General
Topic: Market at a glance: 52-week and today
Replies: 16
Views: 2779

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 10:23 am
 
Forum: Investing - Theory, News & General
Topic: Market at a glance: 52-week and today
Replies: 16
Views: 2779

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 7:54 am
 
Forum: Investing - Theory, News & General
Topic: Market at a glance: 52-week and today
Replies: 16
Views: 2779

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 3:11 pm
 
Forum: Investing - Theory, News & General
Topic: Will you invest in Bill Gross's new bond fund?
Replies: 51
Views: 2882

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 2:40 pm
 
Forum: Investing - Theory, News & General
Topic: TIPS & Rick Ferri
Replies: 28
Views: 4920

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 9:02 am
 
Forum: Investing - Theory, News & General
Topic: Bill Gross moving from PIMCO to Janus, Monday
Replies: 113
Views: 10030

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 5:01 pm
 
Forum: Investing - Theory, News & General
Topic: "How to Win the Losers Game -- Part 5"
Replies: 3
Views: 940

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 12:53 pm
 
Forum: Investing - Theory, News & General
Topic: Time for another Death Cross Discussion
Replies: 3
Views: 723

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 10:30 pm
 
Forum: Investing - Theory, News & General
Topic: Consistent Yield & Duration to Help Choose TIPS Fund
Replies: 45
Views: 7116

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 12:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth help
Replies: 14
Views: 577

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 10:35 am
 
Forum: Investing - Theory, News & General
Topic: Inflation Bonds - Staying the Course?
Replies: 43
Views: 3196

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 10:30 pm
 
Forum: Investing - Theory, News & General
Topic: Trying to understand taxes in retirement, correct me
Replies: 11
Views: 1052

Re: Revocable trust

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

elgob
by elgob.bogle
Tue Sep 16, 2014 6:33 am
 
Forum: Personal Consumer Issues
Topic: Revocable trust
Replies: 13
Views: 1080

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 10:00 pm
 
Forum: Personal Consumer Issues
Topic: Revocable trust
Replies: 13
Views: 1080

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 2:21 pm
 
Forum: Investing - Theory, News & General
Topic: Link to webinar I did other day for our clients
Replies: 2
Views: 470

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 8:57 am
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle on Diversified Portfolios vs Speculation
Replies: 5
Views: 821

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 8:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Protfollio Allocation Advice
Replies: 14
Views: 1000

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 3:21 pm
 
Forum: Investing - Theory, News & General
Topic: Burton Malkiel Opinion in WSJ -- "Are Stock Prices ..."
Replies: 26
Views: 3058

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

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

was open at 2:30 pm EST

elgob
by elgob.bogle
Thu Aug 28, 2014 2:34 pm
 
Forum: Investing - Theory, News & General
Topic: Burton Malkiel Opinion in WSJ -- "Are Stock Prices ..."
Replies: 26
Views: 3058

Re: S&P500 over 2000

The link worked for me. Thanks!

elgob
by elgob.bogle
Mon Aug 25, 2014 9:30 pm
 
Forum: Investing - Theory, News & General
Topic: S&P500 over 2000
Replies: 68
Views: 5521

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: 34
Views: 3880

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: 2979

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: 6495

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: 4550

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: 4364

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: 4364

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: 4364

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: 4364

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: 723

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: 1947

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: 2400

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: 7992

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: 9045

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: 9045

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: 1370

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: 1689

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: 1370

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: 3005

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: 6801

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: 4962

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: 6801

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: 2520

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: 7274

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: 2520

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: 7274
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