Search found 238 matches

Return to advanced search

Re: Is it this easy: Stocks are safe, bonds are risky?

At 4PM today I'm sure that a large number of buyers and sellers either purchased or sold something at what they consider a fair value. I can't begin to figure out who got the better deal. That's why I have to stick to my AA and look long term. Just shooting to be average. :D
by foxfirev5
Fri Aug 30, 2013 6:45 pm
 
Forum: Investing - Theory, News & General
Topic: Is it this easy: Stocks are safe, bonds are risky?
Replies: 59
Views: 3583

Re: Can A Boglehead join a club?

Sounds like this is something you can afford and is desired. Keep a steady balance and you will always meet your needs. Personally the CC route is not my style. My DW and I years ago looked into a local yacht club and decided it was not for us. Instead we bought a waterfront lot and built our own do...
by foxfirev5
Thu Aug 29, 2013 7:14 pm
 
Forum: Personal Consumer Issues
Topic: Can A Boglehead join a club?
Replies: 19
Views: 1896

Re: "Passive Index Investing Feels Wrong"

Taylor, your posts have been a steady influence over the last 5 years for me. I've been a Steady Eddy investing in index funds for 30 years now. Nothing fancy. Maybe that's why I only have a couple hundred posts, most of them hubris.
by foxfirev5
Fri Aug 23, 2013 6:46 pm
 
Forum: Investing - Theory, News & General
Topic: "Passive Index Investing Feels Wrong"
Replies: 8
Views: 1904

Re: India Crisis

Just another BRIC in the wall
by foxfirev5
Fri Aug 23, 2013 5:59 pm
 
Forum: Investing - Theory, News & General
Topic: India Crisis
Replies: 49
Views: 5807

Re: Eggs All in One Basket?

My wife and I use both Fidelity and Vanguard. Our 401k/403b's are with Fidelity and our Roth's and IRA rollovers with Vanguard. In addition a retiree medical acct and several bank accts along with treasury direct. No matter what we would have a number of accts if we combined the two. The Fidelity si...
by foxfirev5
Sun Aug 18, 2013 8:14 pm
 
Forum: Investing - Theory, News & General
Topic: Eggs All in One Basket?
Replies: 16
Views: 1960

Re: Anyone have VG's Managed Payout funds in their INV Portf

Awhile back I looked at these and realized if I invested my entire retirement portfolio I would be a pretty significant holder of the fund. Not comfortable at all. I agree with other posters that there are many other alternatives. Simply taking a fixed withdrawal from a lifestrategy fund or a three/...
by foxfirev5
Fri Aug 16, 2013 3:12 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone have VG's Managed Payout funds in their INV Portfolio
Replies: 19
Views: 1432

Re: POLL: Your Salary vs Inflation

Started in 1980 up 25% over inflation - however nothing in the last 5years.
by foxfirev5
Sun Aug 11, 2013 8:25 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Your Salary vs Inflation
Replies: 24
Views: 2257

Re: Credit score hurt because I don't borrow enough

I asked my agent how much my auto / boat/ homeowners insrance would increase if I fell from the top tier credit score. A couple of percent or $15 -20 per year was the answer. While I get credit reports I don't pay for the largely worthless score. No credit card balance, no installment loans, no mort...
by foxfirev5
Fri May 17, 2013 6:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit score hurt because I don't borrow enough
Replies: 23
Views: 1804

Re: Dave Ramsey and 7%

Like others have said Dave gives good debt reduction advice, but I don't necessarily like his investing advice. It's not for the squeamish and definitely not for a Boglehead. A pet peeve of mine is that Dave tells all his callers that you need a budget and you can't do it without one. Well I must b...
by foxfirev5
Fri Apr 19, 2013 6:00 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey and 7%
Replies: 46
Views: 8912

Re: Five Really Dumb Money Moves You've Got to Avoid

I have a small issue with #4. There are strategies that will ensure a larger SS benefit, but nobody can say for certain if they took it too early. Nobody knows when their time will be up. And depending on other factors taking SS earlier might allow a larger portfolio more time to grow. The payoff f...
by foxfirev5
Sat Apr 13, 2013 6:12 pm
 
Forum: Investing - Theory, News & General
Topic: Five Really Dumb Money Moves You've Got to Avoid
Replies: 24
Views: 4712

Re: Is today a RBD [Really Bad Day]

Wow. This stuff makes me wonder what will happen when we return to real volatility.
by foxfirev5
Fri Apr 05, 2013 8:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is today a RBD [Really Bad Day]
Replies: 83
Views: 8078

Re: 30 year bond prices up 2-3% today!!

All the more reason to pick your diversified portfolio and stick to it, regardless. We can look at all sorts of timeframes and scenarios, policy, what happens when rates rise or drop etc. and think we know, but we dont. :beer +1 to that (especially the beer!) Pick your AA and stick to it, by all me...
by foxfirev5
Fri Apr 05, 2013 6:38 pm
 
Forum: Investing - Theory, News & General
Topic: 30 year bond prices up 2-3% today!!
Replies: 39
Views: 4044

Re: Jack Bogle on CNBC warns about bumpy ride next decade

Isn't this kind of like saying there's going to be a major earthquake in the next ten years? What I find most disturbing today, is the effect the media has on public option and how they respond to situations. Something as stupid as one person making an off the cuff comment through Twitter, can chan...
by foxfirev5
Wed Apr 03, 2013 4:09 pm
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle on CNBC warns about bumpy ride next decade
Replies: 35
Views: 6151

Re: Lowering bond duration

I have to agree the statement from Vanguard appears a bit self serving for my tastes.
by foxfirev5
Sun Mar 24, 2013 6:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lowering bond duration
Replies: 6
Views: 672

Re: The Biggest Financial Asset in Your Portfolio

Call it human capital, a career, compensation path or whatever, it's a job. I prefer to treat my occupation and my investments as separate worlds. Why create new categories of finances just to rationalize a position? Do I include a pension and SS in my net worth? No - does it matter? How will this a...
by foxfirev5
Fri Feb 15, 2013 7:51 pm
 
Forum: Investing - Theory, News & General
Topic: The Biggest Financial Asset in Your Portfolio
Replies: 53
Views: 4977

Re: Retiree Medical Savings Account (RMSA)

I've had a RMSA acct for 7 years. The withdrawals can be taken tax free after retirement age ( 10 years of service after age 45) if used for medical insurance premiums or out of pocket medical expenses. The only downside to my plan is that there are no low cost VG funds. High expenses but the 50% ma...
by foxfirev5
Sun Feb 10, 2013 6:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiree Medical Savings Account (RMSA)
Replies: 4
Views: 1287

Re: Thought I was Moderate but Actually Conservative?

At 57, I'm 45% equities / 40% bond and 15 % cash. However the bond portion is shorter duration and I really don't see much difference in yield between cash and bonds at this point. So I'm tempted to just say my AA is 45/55. I really don't feel this or your allocation are overly conservative.
by foxfirev5
Sun Feb 10, 2013 6:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thought I was Moderate but Actually Conservative?
Replies: 7
Views: 980

Re: Bonds and Bond Funds are now considered Risky Investment

OK, I'll confess: I'm in the "bonds for safety" group. Yes, I like the income component, but "safety" is my primary reason for investing in bond funds. So long as they can at least stay even with inflation, I can survive with that, although I would prefer some real gain. So, wha...
by foxfirev5
Sun Feb 10, 2013 5:39 pm
 
Forum: Investing - Theory, News & General
Topic: Bonds and Bond Funds are now considered Risky Investments?
Replies: 40
Views: 3353

Re: Retire earlier or wealthier?

I'm close anyway with only a year or two to go. It would only take about 10% for me to pull the plug now. :happy
by foxfirev5
Sun Feb 10, 2013 5:16 pm
 
Forum: Investing - Theory, News & General
Topic: Retire earlier or wealthier?
Replies: 25
Views: 3110

Re: "Think, Act, and Invest Like Warren Buffett" -- A Gem

Thanks Taylor, which one is your favorite :?: I went back and read all the quotes. They are all so good that it is difficult to pick a "favorite." However, never one to knowingly avoid a question, I will pick this subtle "gem": "Investing is simple, but not easy." -- W...
by foxfirev5
Fri Feb 08, 2013 7:56 pm
 
Forum: Investing - Theory, News & General
Topic: "Think, Act, and Invest Like Warren Buffett" -- A Gem
Replies: 41
Views: 4923

Re: "Think, Act, and Invest Like Warren Buffett" -- A Gem

Beagler wrote:"Diversification is a protection against ignorance. It makes very little sense for those who know what they're doing."

Warren Buffett

Interesting :?
by foxfirev5
Fri Feb 08, 2013 4:37 pm
 
Forum: Investing - Theory, News & General
Topic: "Think, Act, and Invest Like Warren Buffett" -- A Gem
Replies: 41
Views: 4923

Re: Adjusting Strategy when you hit your # early

At my current age of nearly 57 I have hit my age 60 "number". I plan to stick fairly close to my current AA of 45/40/15 for the next few years. Since I am still accumulating my rebalancing is partially accomplished through new contributions. Currently these are all going into a stable valu...
by foxfirev5
Tue Jan 29, 2013 5:51 pm
 
Forum: Investing - Theory, News & General
Topic: Adjusting Strategy when you hit your # early
Replies: 38
Views: 2495

Re: Market "melt up" and the Airplane Game

My ISP and AA allow me to take some profits (rebalance) if things start to get crazy high. Keeps it simple
by foxfirev5
Sun Jan 27, 2013 8:55 pm
 
Forum: Investing - Theory, News & General
Topic: Market "melt up" and the Airplane Game
Replies: 71
Views: 6396

Re: John Bogle: “Invest, and don’t peek”

Yeah, at least if everyone followed that advice no body would have been misled by his advice in early 2009. "when you can't stand to lose another dollar...." Fortunately for me I only follow anyone's advice from a critical perspective. While he's done great things for all of us investors h...
by foxfirev5
Sun Jan 27, 2013 4:05 pm
 
Forum: Investing - Theory, News & General
Topic: John Bogle: “Invest, and don’t peek”
Replies: 24
Views: 3590

Re: Breaking in engine on new car

I've had new cars every couple years for business purposes. Over the last 30 years I've put about 1.5 million miles on these vehicles with all going over 130k miles up to 170k. I never had any problem with any of them and certainly never gave them any special break in treatment.
by foxfirev5
Sat Jan 26, 2013 4:44 pm
 
Forum: Personal Consumer Issues
Topic: Breaking in engine on new car
Replies: 43
Views: 3257

Re: A question on Target Date Funds

Since you didn't say specifically that you have Vanguard TDF's the answer is really it depends on which brand fund you have as each supplier of these funds has their own idea of what is the right glide path for you. In an Aug. 2012 article in Money magazine they compared the so called glide path (%...
by foxfirev5
Fri Jan 25, 2013 1:32 pm
 
Forum: Investing - Theory, News & General
Topic: A question on Target Date Funds
Replies: 11
Views: 1244

Re: Wellington and Wellesley Interest Rate Risk

I own Wellington and my wife Wellesley in our Roth IRA's. The Roths are the accts we plan to hold until passing to our children. We feel fairly secure with these funds. The other bigger accts are held in VG Index Funds which are rebalanced at 3% bands.
by foxfirev5
Fri Jan 25, 2013 1:28 pm
 
Forum: Investing - Theory, News & General
Topic: Wellington and Wellesley Interest Rate Risk
Replies: 37
Views: 6013

Re: How Bogleheads made me a worse Investor

I believe that if everyone here is really a Boglehead there's not much to talk about. :D
by foxfirev5
Fri Jan 25, 2013 1:11 pm
 
Forum: Investing - Theory, News & General
Topic: How Bogleheads made me a worse Investor
Replies: 76
Views: 7643

Re: Maximum Expense Ratio in your portfolio ...

Pimco Total Return Fund PTTRX .46% in 401k. Overall according to VG - .21%.
by foxfirev5
Sat Jan 19, 2013 8:04 pm
 
Forum: Investing - Theory, News & General
Topic: Re: Maximum Expense Ratio in your portfolio ...
Replies: 51
Views: 2918

Re: Percentage of "Net Worth" Invested in Stocks - Retired

I don't understand why stock investing percentage of total net worth, home and autos included . . . My mistake. I forgot that "home and cars" are part of net worth. I guess I should have excluded physical assets. Perhaps the better question is what percentage assets are held in cash equiv...
by foxfirev5
Sun Jan 13, 2013 8:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Percentage of "Net Worth" Invested in Stocks - Retired
Replies: 28
Views: 2802

Re: My (horrible) experience with Vanguard

I think it's fair to say that: 1) no institution out there is immune from mistakes (please let me know if there is one out there!) and 2) Vanguard's best features are its fund offerings, low cost, and shareholder ownership. I like #2 and luckily have not encountered #1 at Vanguard yet. Sorry you ha...
by foxfirev5
Fri Jan 11, 2013 9:55 pm
 
Forum: Personal Consumer Issues
Topic: My (horrible) experience with Vanguard
Replies: 82
Views: 10593

Re: LifeStrategy Funds for income

I would suggest taking a look at all the VG funds. There is very little difference in yield between the stock and bond funds on the whole. Assess your risk tolerance, set your allocation and stay the course.
by foxfirev5
Fri Jan 11, 2013 9:46 pm
 
Forum: Investing - Theory, News & General
Topic: LifeStrategy Funds for income
Replies: 13
Views: 1438

Re: My (horrible) experience with Vanguard

I found during a rollover of my wife's 403b that Vanguard has some room for improvement. During the transition the phone reps literally made up the status of the transaction during the process. At one point I was told the other company had not released the funds while I was looking at the funds rece...
by foxfirev5
Fri Jan 11, 2013 9:40 pm
 
Forum: Personal Consumer Issues
Topic: My (horrible) experience with Vanguard
Replies: 82
Views: 10593

Re: Can we afford it?

I flown plenty over the last 35 years. Many times I gotten free upgrades but have always flown coach overseas. My take on it is that combined you'll be flying 36 hours for $9000 or $250 per hour each in savings if you go coach. I can find a lot of ways to have fun with that cash. It's all about prio...
by foxfirev5
Wed Jan 09, 2013 4:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can we afford it? (International trip)
Replies: 92
Views: 6651

Re: Marriage & Finances - Joint vs. Separate Checking/Saving

Joint everything for the last 35 years. Teamwork in this case really paid off.
by foxfirev5
Sun Jan 06, 2013 7:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Marriage & Finances - Joint vs. Separate Checking/Savings?
Replies: 62
Views: 3483

Re: Do you have a written Investment Policy Statement?

Yes, it's on an index card posted on the fridge. If I tried real hard I could probably memorize it and take it down. :happy
by foxfirev5
Tue Dec 25, 2012 8:08 pm
 
Forum: Investing - Theory, News & General
Topic: Do you have a written Investment Policy Statement?
Replies: 61
Views: 5570

Re: Where can I get the best immediate annuity?

Sounds like an incentive to buy a SPIA and just live forever. I love simplicity
by foxfirev5
Mon Dec 24, 2012 9:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where can I get the best immediate annuity?
Replies: 9
Views: 1584

Re: Tooth Crown

Sounds about right. Have a Merry Christmas
by foxfirev5
Mon Dec 24, 2012 9:00 pm
 
Forum: Personal Consumer Issues
Topic: Tooth Crown
Replies: 48
Views: 2481

Re: Becoming a Landlord Experiences

Having a little experience in this area it amuses me when people want to retire to manage rental properties. All I can think is that they must have had really lousy jobs. My suggestion is to find your passion while your working and the rest will follow. From the investment standpoint I prefer the 3:...
by foxfirev5
Mon Dec 24, 2012 8:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Becoming a Landlord Experiences
Replies: 77
Views: 8217

Re: Anyone using a Stable Value Fund for their ballast?

I'm not putting down Stable Value Funds, but I simply don't understand why a person would want to be in one. You can create your own stable value portfolio by simply putting a few index funds together, all with much lower expense ratios, and you can adjust your risk tolerance to your exact needs, a...
by foxfirev5
Sun Dec 23, 2012 10:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Anyone using a Stable Value Fund for their ballast?
Replies: 38
Views: 2481

Re: What Is The Correct AA For a 107 Year Old Investor?

Or as my DW has said, put it all on Red
by foxfirev5
Sat Dec 22, 2012 6:49 pm
 
Forum: Investing - Theory, News & General
Topic: What Is The Correct AA For a 107 Year Old Investor?
Replies: 27
Views: 2324

Re: What Is The Correct AA For a 107 Year Old Investor?

rmelvey wrote:I think Irving Kahn knows exactly what he wants and takes great satisfaction from his stock picking. When you are 107 you can do whatever the hell you want!

Exactly
by foxfirev5
Sat Dec 22, 2012 6:45 pm
 
Forum: Investing - Theory, News & General
Topic: What Is The Correct AA For a 107 Year Old Investor?
Replies: 27
Views: 2324

Re: "Plan B" is an ambiguous idea

The phrase emerged in the depths of 2008-2009. It has been controversial all along. To me, it is encapsulated in John C. Bogle's comment: Unfortunately I think it is going to be bad timing but if you can’t afford to lose another penny or another nickel, you have to get out, That's the Bogle quote I...
by foxfirev5
Sat Dec 22, 2012 5:33 pm
 
Forum: Investing - Theory, News & General
Topic: "Plan B" is an ambiguous idea
Replies: 28
Views: 3158

Re: What Is The Correct AA For a 107 Year Old Investor?

Does it even matter? His assets may grow or decline but we're ignoring the 800# gorilla in the room
by foxfirev5
Sat Dec 22, 2012 5:28 pm
 
Forum: Investing - Theory, News & General
Topic: What Is The Correct AA For a 107 Year Old Investor?
Replies: 27
Views: 2324

Re: "Plan B" is an ambiguous idea

Plan B has been confusing because of various meanings. I don't consider a plan B at all because if you have incorporated a contingency into your plan, it is part of your investment policy, not a secondary option. Worth noting that Larry's Plan B does not include selling. Larry's plan is more about ...
by foxfirev5
Sat Dec 22, 2012 4:50 pm
 
Forum: Investing - Theory, News & General
Topic: "Plan B" is an ambiguous idea
Replies: 28
Views: 3158

Re: "Late Bloomer Millionaires" -- A Gem

It all looks good and has sure worked for me. However the quote about the new car smell does not ring true for me. I've had a lot of new, used, slightly used cars over the last 35 years. The best ones have always been brand new cars which provided many more years of service than even the best used c...
by foxfirev5
Sat Dec 22, 2012 9:32 am
 
Forum: Investing - Theory, News & General
Topic: "Late Bloomer Millionaires" -- A Gem
Replies: 48
Views: 11669

Re: 2012 Turbotax now available at Vanguard Tax Center

While I estimate thoughout the year I'll wait until the first week of Feb. to download and calculate. :happy
by foxfirev5
Fri Dec 14, 2012 8:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2012 Turbotax now available at Vanguard Tax Center
Replies: 72
Views: 8308

Re: How much do I really have for retirement?

We own two homes, one being our primary residence and the other a lakeside weekender. I include the value of the lake home as an asset but not the house we actually live in. I know it has value but you have to live somewhere right? Likewise we have both. I don't count the lake house. However it is ...
by foxfirev5
Fri Dec 14, 2012 12:40 pm
 
Forum: Investing - Theory, News & General
Topic: How much do I really have for retirement?
Replies: 65
Views: 5275

Re: Vanguard My Watch List problems

I have encountered the same problem. Another reason why Fidelity has just a little bit better website and acct service. In this case I firmly believe you get what you pay for. :)
by foxfirev5
Thu Dec 13, 2012 4:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard My Watch List problems
Replies: 10
Views: 1126

Re: How Much Cash??

It would be very difficult to provide an answer based on the wide variety of personal situations. No cash ? Living off the dividends & interest, perhaps a pension with ss, annuity? Unless the full picture is disclosed it is difficult to draw any conclusion.
by foxfirev5
Sun Dec 09, 2012 3:21 pm
 
Forum: Investing - Theory, News & General
Topic: How Much Cash??
Replies: 40
Views: 3389
Next

Return to advanced search