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I have had a whole life insurance policy for over 20 years now, only 100K. I had instructed the dividends to pay for the monthly premiums, but now I still have to contribute. I have plenty of term life for myself and family. My question is if were to take the cash value of the policy and close out, ...

Ok, both my wife and myself have one fund in our Roth IRA accounts. VBISX Vanguard short term bond index fund investor shares VMLTX Vanguard limited term tax exempt fund investor shares I know it was suggested here on this forum these are good funds for a ROTH if one needs some more bond exposure, b...

I looked but.... I am trying to find a program or calculator where I can figure out something like this for example with my own portfolio, if someone could help I would appreciate it. Thank you 1Wk YTD* 1Yr 3Yr 5Yr 10Yr P David Swensen Yale Individual Investor Portfolio Annual Rebalancing 1.1% 4.4% ...

But that is a good point, Intermediate Treasury funds may be the more prudent choice

But doesn't the yield on Long term treasuries increase which means dividends will be higher the longer it is held in an interest rate rising economy?

Thank you everyone, this is what I am going with (Swenson with SCV tilt) VTSAX (Vanguard Total Stock Market Index Fund Admiral Shares) 30% VIPSX (Vanguard Inflation-Protected Securities Investor Shares) 15% VUSTX (Vanguard Long Term Treasury Investor Shares) 15% VGSLX (Vanguard REIT Index Fund Admir...

Thank you

Articles discussing Swensen's portfolio from his book sometimes mention long-term bonds and sometimes short-term. Both are incorrect. To add to the confusion, other articles that speak of a barbell of both short and long-term bonds. Swensen was emailed directly and his answer was that you should mat...

I am aware of the tilt you mention.
VEU vs VXUS the expense ratio was a little better with VEU, had more Canada, but now that I compare the two, VXUS holds more stocks by far, so may be a better choice. Otherwise they both seemed similar and that is what Swenson has stayed with all these years.

YDNAL

I do own VUSUX not VUSTX, so sorry about the wrong ticker symbol. Not quite there yet for VIPSX, but not too far away

Retiredjg

You are right about the bond allocation. This would be better

VIT = 30%
VIPSX = 10%
VUSUX = 20%
VNQ =10%
VWO = 10%
VEU = 15%
VBR = 5%

Thank you all once again for the advice--I intend on holding steady and have chosen this portfolio

VTI = 40%
VEU= 15%
VWO = 5%
VNQ = 10%
VIPSX= 10%
VUSTX=10%
VBR= 10% Expense Ratio = .17

This basically follows D. Swenson's portfolio with a small cap value tilt

Not 3 commercial buildings, one office, my home and my father-in-laws home. Does that make a difference on REIT tilting?

One more question please:

I like the idea of tilting toward REIT as well as SCV.
I am the owner of three buildings, so doesn't that already tilt the REIT for me?

Any reason why just owning VIPSX for the fixed income side would not be a good choice? Since I already own them, I thought I would just keep them, then I could get rid of BND, BIV to simply things. Sounds like I am getting close to the Scott Burns' Margarita portfolio / Andrew Tobias' 3 Fund portfol...

livesoft

Thanks for sharing. Would you mind sharing your Bond side of the portfolio?

I will look into the consolidation and see if it works for me and post back

Original post has been editied to reflect the fund/ETF names

VBK

Well, my portfolio analysis showed zero growth funds so I thought adding this would help.


For the 2% being noise comment:

How would you do it differently. I would like to hear a different opinion. Thanks

BBL
poor choice of words, maybe more running bull to come - you are right

After being a Boglehead for a couple of years, stayed in the market at the 2008 decline, made my money back and at the beginning of 2012 started screwing around with T theory principles, listened to the noise etc.... and missed the entire bull market being mostly in VUSTX and shorting the market. Fl...

My wife and I each have a separate account at Vanguard, yet me total all our money together for the AA. If we each own the same fund, say VTI, does that mean that the expense ratio for this ETF is double? In other words, are we paying twince as much to manage the same fund?
Thanks as always

that is what I was looking for as a starting point, thank you

Could someone provide a sample portfolio of an all Vanguard fund/ETF Fama/French 3F portfolio for 75% stocks 70/30 US/Int 25% fixed with a scv tilt.
I would like to do some comparisons with it. Thank you

Mr Ferri,

Is VBR an acceptable alternative to IJS In your opinion? Thank you.

https://personal.vanguard.com/us/FundsS ... IntExt=INT

Thanks

Apparently it is a bug with the app, called Vanguard and they said the same. Thanks anyway.

The phone app is stocktracker. The value of the portfolio is the same as the Vanguard site, but it also reports Market value and Cash value. Those are the two I don't understand. I guess if the phone app just reported the portfolio value instead of all three, I wouldn't be asking any questions but s...

I inputed all the shares I own of the funds I have into a phone app analyzer. The market value is different from the Account value and is different from the Cash value. As an example: Cash value is 1 million, Account value is 700K and market value is 300k Which is correct? How am I suppose to interp...

Rick

4% Vanguard High-Yield Corporate Fund Investor Shares (VWEHX)

Is there a time when you won't carry this in your portfolio or maybe switch to VUSTX?

Thank you very much for the update

Rick

Just reread this thread
1. Would you be so kind as to let us know if anything has changed from your portfolio posted in 2010 - or maybe we have to wait to read the third book

Thank you as always

Yes. Thanks

I have a substantial part of my portfolio in VUSTX and I want to hold them for more than 15 years I do understand that when interest rates and yields increase and NAV decreases. I hear that an interest rate rise is bad for bonds. My question: If interest rates rise, and allowing my monthly dividends...

I remember reading a thread that had the personal portfolio of Rick Ferri on it with the comments. Could someone direct me to it.
Is there a link to other famous personal portfolio's e.g. Swedroe etc..
Thanks for the help

Simple

Go to App Store on I phone -- go to search ---type in Aundiobooks---download the first free one that pops up(Cross forward consulting books)---once downloaded ---go to popular books, just click on the free versions and enjoy

Well not really reading any books, but everyday back and forth to work in the car, I listen to the free audiobooks on my I phone. All the classics are free. Just finished Moby Dick, now just started The Count of Monti Cristo. Try it, you may like it.

Thanks

I phone 4
Verizon

Any help would be appreciated

I will be going to Brazil in a couple of weeks and wanted to know how to set my I phone so I won't get a huge bill when I get back. Up till now, I have only used it in the US.
Thanks

1. I have all tax advantaged accounts and would like an AA of 70/30. Would 1/2 LifeStrategy Growth + 1/2 LifeStategyModerate Growth work? Thanks 2. Does the 3 fund portfolio actually include REITS, TIPS or SCV? 3. Besides being against the Bogelheads philosophy, why is Gold not added as a hedge? Jus...

Do the Life Strategy funds rebalance like the Target retirement funds do?

If one was completely invested say 300k in the three fund portfolio at equal amounts%, starting in the year 2000. What would be the % gain (an estimate is fine) from 2000-2012?

This may sound very unBogleistic but works for me: 87% Bonds VUSUX/TLT/VIPSX/VBILX/VBISX/VMLTX 3% Stocks AWSHX 10% other 529/cash When the market hits bottom, will sell for a profit and purchase VCVSX/VOO/PSK/SSO with maybe a midcap/largecap tilt. Will hold this until CI changes and reverse back.

A relative wants to give a $$ gift to one of my children to deposit in a 529 account. I have one set up for Pennsylvania but was wondering if anyone could advise if the Vanguard one would be better. Can the gift giver just send a check to the 529 plan account manager? Is that how it works? Thanks fo...

I am not recommending this site, just wanted the op to see what else is out there and open his mind. Before choosing any investment philosophy, is it not wise to explore all the alternatives to reinforce your gut decisions?

Jonathan

Before you make this important move into index funds, I would suggest a visit to this site www.ttheory.com just for another point of view.

Just wondering. And if so, why?

Two questions please

Is there a better time to purchase I bonds than now? I mean, at any specific month of the year?
What kind of an account would be best to put them in? thanks for the help

No trick, just have the opportunity to invest in something and was wondering a few things.

Help me with the math please, if I invest 10K for a 1% stake in a company, what does this tell me about what the company is valued at or should be valued at? Thanks (hope I asked this correctly)

Does this portfolio loan modification sound like something worth pursuing? The bank I have the mortgage with M & T says that because my mortgage is not secured by Freddie or Fannie, I can do this. Here is the proposal: Very nice to talk to you today. I have attached the Portfolio Modification Fo...

Well, I contacted Vanguard brokerage services today to ask. They explained to me that I have a Rollover brokerage account for my Rollover IRA. This will allow me to move money from a fund to my MM account and then I can purchase any ETF I want all under the IRA umbrella. This will allow me to keep a...