Search found 102 matches

Return to advanced search

Re: Can I replicate TSM with SP500, SP400 and Russell 2000?

Never mind, I found it on Bogleheads Wiki "Approximating Total Stock Market". The recommendation is TSM = 86% SP500 + 14% Russell 2000. No parking spot for the SP400. Interesting. Oh well, thanks anyway. I suspect it's difficult to Frankenstein the TSM with funds that track competing indic...
by golfallday
Fri Jul 12, 2013 10:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Can I replicate TSM with SP500, SP400 and Russell 2000?
Replies: 1
Views: 188

Can I replicate TSM with SP500, SP400 and Russell 2000?

My 457 plan recently added very low cost Northern Trust Index funds that track SP400 Index and Russell 2000 Index. I already use VIIIX as my sole equity holding in this plan. Can I replicate the Total US Stock Market with these 3 funds? What weighting? I tried searching the boards for the answer and...
by golfallday
Fri Jul 12, 2013 9:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Can I replicate TSM with SP500, SP400 and Russell 2000?
Replies: 1
Views: 188

Re: Anti-Boglehead book recommendations?

Peter Lynch's, Beating the Street (1993)

Now that's an Anti-Boglehead title.
by golfallday
Thu Jul 11, 2013 1:15 pm
 
Forum: Investing - Theory, News & General
Topic: Anti-Boglehead book recommendations?
Replies: 35
Views: 4336

US economy and Dow Transport Index

I listen closely to what Dr Bernanke says about our economy. I also listen, or read, whenever FOMC Governors or Reserve Bank Presidents speak about our economy. I respect their collective opinion. These are scholars that also have worked in the real world. Unemployment is 7.5% with concerns that the...
by golfallday
Thu Jul 11, 2013 11:35 am
 
Forum: Investing - Theory, News & General
Topic: US economy and Dow Transport Index
Replies: 3
Views: 278

Re: Opening a Vanguard Taxable Account

You are to be congratulated on your discipline in being able to save 55% of your income. Truly remarkable. I would not tap in to the checking account to invest in taxable TSM fund. I suspect the checking account is your emergency fund as well as your daily expense fund. I would get the checking acco...
by golfallday
Wed Jul 10, 2013 4:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Opening a Vanguard Taxable Account
Replies: 3
Views: 889

Re: Merriman - Buffett is more myth than legend

Sorry Mr Merriman, you are very mistaken. Mr Buffet is a legend.
by golfallday
Wed Jul 03, 2013 2:16 pm
 
Forum: Investing - Theory, News & General
Topic: Merriman - Buffett is more myth than legend
Replies: 21
Views: 2884

Re: Foreign stocks as a % of your stock asset allocation

I'm comfortable with 15% international (35% VIIIX; 10% Russell 2000 Index; 10% VGSLX; 30% VBMPX). Still amazed that Mr Bogle sees no need for an international fund. He reasons the SP500 or TSM have enormous global footprints. In The Investor's Manifesto , Dr Bernstein advises against the World Index...
by golfallday
Wed Jul 03, 2013 1:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Foreign stocks as a % of your stock asset allocation
Replies: 59
Views: 5886

Re: What was your worst investment?

In 1995, neighbor who was a stock broker advised me to dump Apple Computer and Walgreens stock and buy Callaway Golf and Motorola. It still hurts to think about it. Took a $20k haircut before I dumped ELY and MOT and got back into APPL and WAG. APPL and WAG have been wonderful to me, but due to my s...
by golfallday
Wed Jul 03, 2013 11:15 am
 
Forum: Investing - Help with Personal Investments
Topic: What was your worst investment?
Replies: 100
Views: 7833

Re: Danger in bond funds?

Thanks to all for the informative responses and replies. Indeed, Mr Swedroe and Dr Bernstein have written about this very topic. I'll keep peeling away at the onion for a while. Best to all.
by golfallday
Tue Jul 02, 2013 1:18 pm
 
Forum: Investing - Theory, News & General
Topic: Danger in bond funds?
Replies: 33
Views: 2145

Re: Danger in bond funds?

My only bond allocation is in my 457 plan: VBMPX. Would anybody suggest I break that up a bit?
by golfallday
Tue Jul 02, 2013 11:01 am
 
Forum: Investing - Theory, News & General
Topic: Danger in bond funds?
Replies: 33
Views: 2145

Danger in bond funds?

Newbie question here. The talking heads on CNBC and Bloomberg Radio incessantly rant that bonds are a terrible investment right now and a crash is coming. The problem is, they never explain why or how. Is the worry that when interest rates rise, a 10-year T-Note might yield 3% at a new auction; ther...
by golfallday
Tue Jul 02, 2013 10:22 am
 
Forum: Investing - Theory, News & General
Topic: Danger in bond funds?
Replies: 33
Views: 2145

How would you advise the 3 MegaMillions winners?

Apparently 3 tickets won in Maryland, Kansas, and Illinois. The $$$ probably must be invested in taxable accounts. What investments and what allocations? I fully understand some tax lawyers, CPAs, and CFPs might be stingy with advice on this board. Just wondering.
by golfallday
Sat Mar 31, 2012 10:52 am
 
Forum: Investing - Help with Personal Investments
Topic: How would you advise the 3 MegaMillions winners?
Replies: 34
Views: 2458

Re: 19 (now 20 years old) 100% stocks AA review

Congrats on a very well thought out portfolio! Very solid fund choices and allocations. Wish I was in your financial shape 35 years ago. You need bonds, sorry. They really smooth out turbulence.
by golfallday
Fri Jan 06, 2012 3:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: 19 (now 20 years old) 100% stocks AA review
Replies: 52
Views: 3286

Re: US stocks only

Yes, mpt, there is a person...make that a genius...who only invests in US equity index funds. His initials are JOHN BOGLE.
by golfallday
Fri Jan 06, 2012 3:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: US stocks only
Replies: 28
Views: 1813

Re: How did Dow beat up on VOO and VTI?

Thanks for explaining the differences in outcomes.
by golfallday
Tue Jan 03, 2012 11:01 am
 
Forum: Investing - Theory, News & General
Topic: How did Dow beat up on VOO and VTI?
Replies: 8
Views: 773

Re: How did Dow beat up on VOO and VTI?

I get that small caps and financials were a drag on VTI; but, SP500 Index is all mega-caps. More financials in VOO that were a drag? DIA just crushed VOO.
by golfallday
Tue Jan 03, 2012 8:34 am
 
Forum: Investing - Theory, News & General
Topic: How did Dow beat up on VOO and VTI?
Replies: 8
Views: 773

Re: The Three Fund Portfolio

I like that golfallday. A 2-fund portfolio. Makes life simple although there is less "diversification" although as you say, US stocks now have half their earnings abroad and probably international stocks have half their earnings here. So it may be all a wash. At least I'm going that way. ...
by golfallday
Mon Jan 02, 2012 12:13 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 914
Views: 373365

Re: The Three Fund Portfolio

Taylor. your post inspires confidence!! The only funds I use in my 457 plan are VIIIX and VBTIX; Mr Bogle's writings and discussions have thoroughly convinced me that the SP500 has an enormous international footprint. I use VTHRX in my IRA. When $$ is leftover at the end of month it goes to VTSMX in...
by golfallday
Mon Jan 02, 2012 11:17 am
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 914
Views: 373365

Re: Supplement portfolio with REIT Index?

Thank you for your kind replies. Happy and healthy 2012 to all...Cheers!!!
by golfallday
Sat Dec 31, 2011 6:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Supplement portfolio with REIT Index?
Replies: 7
Views: 788

Supplement portfolio with REIT Index?

Very grateful for the help the members have given me on these boards. Everytime I visit the site, I learn something new....indeed, I'm an amateur at this. I use VIIIX and VBTIX in my 457 plan; I use VTHRX for my Roth IRA. (I try to keep it simple!) Total portfolio is currently 73% stocks and 27% bon...
by golfallday
Sat Dec 31, 2011 11:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Supplement portfolio with REIT Index?
Replies: 7
Views: 788

How did Dow beat up on VOO and VTI?

Looks like Dow Index is going to beat the hyper-diversified SP500 Index and Total US Index by almost 6%. What gives? Is it there are just many more banks in the latter 2 which was a huge drag? All 3 indexes have a substantial international footprint, so that can't account for the 6% difference. I kn...
by golfallday
Fri Dec 30, 2011 12:01 pm
 
Forum: Investing - Theory, News & General
Topic: How did Dow beat up on VOO and VTI?
Replies: 8
Views: 773

The 2 funds I use in my 457 plan are:

VIIIX .02% ER
VBTIX .07% ER

In my IRA with Vanguard I use VTIAX .20% ER.
by golfallday
Fri Oct 14, 2011 3:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Whose portfolio has the lowest expense ratio?
Replies: 30
Views: 4629

No alarm by Bogleheads over Grecian debt crisis?

Personally, I'm terrified about what will happen when Greece defaults on their soverign debt obligations. Very little transparency as to who those bondholders are and how much exposure US has to the worthless paper. Some alarmists see global runs on banks and SP500 tanking >50% when the floor-trapdo...
by golfallday
Wed Sep 28, 2011 9:00 am
 
Forum: Investing - Theory, News & General
Topic: No alarm by Bogleheads over Grecian debt crisis?
Replies: 62
Views: 5650

Great help; thanks very much!! I use VIIIX and VBTIX in my 457 plan; and VTIAX in my IRA. I don't plan to slice and dice to the point of the Coffeehouse Model or Merriman's Ultimate Buy and Hold, but I would like exposure to smaller companies in US. Leaning towards VSMAX in IRA. Thanks again.
by golfallday
Wed Jul 13, 2011 8:58 am
 
Forum: Investing - Help with Personal Investments
Topic: VSMAX (Small Cap fund) or VEXAX (Extended Mkt fund)?
Replies: 14
Views: 2076

VSMAX (Small Cap fund) or VEXAX (Extended Mkt fund)?

Which do you prefer for a small cap allocation? These are Admiral Class funds with .17 and .16 ERs. Vanguard's Small Cap Growth and Small Cap Value funds don't offer Admiral shares.
by golfallday
Wed Jul 13, 2011 8:05 am
 
Forum: Investing - Help with Personal Investments
Topic: VSMAX (Small Cap fund) or VEXAX (Extended Mkt fund)?
Replies: 14
Views: 2076

At your young age, after maxing 401(k), fund as much as you can in Roth IRA . Tax free growth and no mandatory withdrawls is really passing up free money at your age. Just stay current with your car loan.

Good luck, and welcome to the forum!
by golfallday
Wed Jun 29, 2011 3:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: 23 yr male / full-time / looking to max-out 401(k) + more
Replies: 41
Views: 2764

34% VTI
33% VXF
33% VEU
by golfallday
Fri Apr 22, 2011 2:39 pm
 
Forum: Investing - Theory, News & General
Topic: What would you do with 15m?
Replies: 52
Views: 6838

Thanks for the help, all.
by golfallday
Thu Apr 21, 2011 12:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Inflation Protected Bonds in Total Bond Index?
Replies: 6
Views: 1133

Inflation Protected Bonds in Total Bond Index?

Does the Total Bond Index have inflation protected bonds? Any rule of thumb as to what portion of bond portfolio should be dedicated to inflation protected bonds or is the Total Bond Index enough?
Thanks. Sorry if this has been discussed before; I have trouble narrowing my searches for some reason.
by golfallday
Thu Apr 21, 2011 10:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Inflation Protected Bonds in Total Bond Index?
Replies: 6
Views: 1133

The donor is responsible for paying federal Gift Tax. Certainly, the donee may agree to pay it. Great advice has been given. I'd invest it. Since it wll have to be invested in a taxable account, you might want to talk to some people at Vanguard. They'll come up with something that mitigates the tax ...
by golfallday
Mon Mar 21, 2011 2:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: best way to use 200k gift?
Replies: 28
Views: 3101

Wow! Great job saving. Call Vanguard; they will certainly formulate a plan consistent with your risk tolerance. In fact, they will RUN to the firepoles to help you considering the amout of $$ here. Wouldn't be surprised if one of the big-shots in Valley Forge ended up with the call. I agree that you...
by golfallday
Mon Mar 14, 2011 7:57 am
 
Forum: Investing - Help with Personal Investments
Topic: I am embarrassed and need a great deal of help
Replies: 62
Views: 7922

Automatically every December: 65% VIIIX; 35% VBTIX.
by golfallday
Wed Mar 09, 2011 11:20 am
 
Forum: Investing - Help with Personal Investments
Topic: how are you rebalancing your 401K?
Replies: 17
Views: 2779

Great post, Taylor. These reminders keep me from wandering from the path. I look at Paul Merriman's FundAdvice "Ultimate Buy and Hold Portfolio" and I think instead of allocating 6% to 10 separate equity funds, you get a very similar result by coming up with an asset allocation b/n a Total...
by golfallday
Wed Mar 09, 2011 11:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Total Market Index Funds--What experts say.
Replies: 64
Views: 11017

Read Larry Swedroe's "The Only Guide To A Winning Investment Strategy You'll Ever Need". He answers your concerns in the first 6 chapters. The rest of the book is great, too. My favorite line Mr Swedroe's book....."diversification is always working for you; sometimes you like the resu...
by golfallday
Tue Mar 08, 2011 4:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can mutual funds outperform the indexes?
Replies: 45
Views: 4809

Read Dr William Bernstein's, "The 4 Pillars of Investing". Your portfolio is his recommendation for any Regular Joe looking for the right mix. In Dr Bernstein's words, "Looks too simple? Get over it!" Well done. _________________________ Amateurs built Noah's Ark....experts built...
by golfallday
Sun Feb 13, 2011 12:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: 3 Fund Retirement Portfolio
Replies: 33
Views: 4644

At first I was wondering why you weren't maxing your TSP. Now I see. The TSP I-Fund's bogey is the MSCI EAFE Index--international developed country mega-caps. You are using the Roth to complete your overall portfolio. I don't think you need VBR in the Roth. You can cover small caps adequately with t...
by golfallday
Fri Feb 11, 2011 10:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Opinions on my Asset Allocation
Replies: 7
Views: 1100

The Putnam Voyager Fund at my first job in 1989. What a race car!! What a car crash!! 70% of the portfolio was in dot.com stocks in 1999 when it returned 57%. They wandered a bit from the prospectus. Of course the next 3 years were a disaster for the fund and the firm with the stock selection and in...
by golfallday
Fri Feb 11, 2011 9:36 am
 
Forum: Investing - Help with Personal Investments
Topic: What was your first fund that you brought
Replies: 92
Views: 7300

EGPT -- Egyptian ETF

Was watching Fast Money on CNBC this evening. They mentioned that this is, normally, a very lightly traded ETF with net assets of $25m. They also said one needs to be very cautious with EGPT because although the ETF is still trading, the Egyptian markets have been closed for a week. In the panel's w...
by golfallday
Thu Feb 10, 2011 8:03 pm
 
Forum: Investing - Theory, News & General
Topic: EGPT -- Egyptian ETF
Replies: 2
Views: 560

Bogle, Bernstein, Schultheis, and 60/40

Dr William Bernstein and Bill "The Coffeehouse Portfolio" Schultheis both feel a 60%/40% stocks/bonds ratio is the ideal mix. Mr Bogle, in his book, "Don't Count On It!" writes that an investor should buy Vanguard's Balanced Index and be done with it. Mr Bogle also states quite o...
by golfallday
Fri Feb 04, 2011 7:57 am
 
Forum: Investing - Theory, News & General
Topic: Bogle, Bernstein, Schultheis, and 60/40
Replies: 58
Views: 8614

Thank you for the input.
by golfallday
Thu Feb 03, 2011 10:39 am
 
Forum: Investing - Help with Personal Investments
Topic: T Rowe Price Roth funds finally sent to VG...Now what?
Replies: 2
Views: 1498

You are young enough where a conversion to a Roth for the $21k makes sense. 40-50 years (hopefully) of tax-free growth = WOW!! After all, you have funds in taxble acct to pay the tax hit. VWELX is indeed an outstanding fund that has proven itself thru the test of time...82 years! All depends on the ...
by golfallday
Thu Feb 03, 2011 6:00 am
 
Forum: Investing - Help with Personal Investments
Topic: New to Vanguard and have a couple of questions
Replies: 2
Views: 785

T Rowe Price Roth funds finally sent to VG...Now what?

Shares I held at TRP in Roth IRA successfully transferred to my Roth Brokerage Acct at Vanguard. Do I have to sell those TRP fund shares myself or will sale automatically occur and fund the Roth Money Market "sweep acct" I was required to open at VG? Sorry for the bother, I'm sure this iss...
by golfallday
Thu Feb 03, 2011 5:40 am
 
Forum: Investing - Help with Personal Investments
Topic: T Rowe Price Roth funds finally sent to VG...Now what?
Replies: 2
Views: 1498

I like to use VEXMX for small and mid cap exposure.
by golfallday
Thu Feb 03, 2011 5:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Complement to Target Retirement 2035 Fund?
Replies: 13
Views: 2536

Congratulations on the new job! I guess it depends what's offered by your new employer's DC plan; also, of course, if they'll allow you to transfer assets to the plan. I changed jobs 3 years ago. I previously had VASGX with my old job; my new job offered VIIIX (.02 ER) and VBTIX (.07 ER). No way I c...
by golfallday
Wed Feb 02, 2011 3:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Switching Jobs What to do with 401k?
Replies: 22
Views: 2163

Max 401(k) first; then devote as much as you can to Roth.
by golfallday
Wed Feb 02, 2011 3:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where to invest $100-$400 a month?
Replies: 41
Views: 4968

"The Best 30 Minute Recipe" cookbook from America's Test Kitchen/Cook's Illustrated.
by golfallday
Wed Feb 02, 2011 2:50 pm
 
Forum: Personal Consumer Issues
Topic: Best Cookbook for Single Guy?
Replies: 62
Views: 7190

Autopilot Eric, Your plan using STAR is fine. I can't contribute to a Roth IRA; I contribute $2.5k to STAR in a Traditional IRA then convert that to the Roth where I hold VGSIX. (The other $2.5k goes to a Traditional IRA at Fidelity (FPURX) which is converted to a Roth there where I hold FSEMX.) Cou...
by golfallday
Sun Jan 30, 2011 10:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Is the Vanguard STAR fund a good temporary holding place?
Replies: 22
Views: 4108

Taxable accounts? Sure, don't throw $ in automatically every month into an asset class if your AA is becoming out-of-whack to the point you need to sell assets in taxable accounts. Tax sheltered? I could care less; I rebalance once at the end of the year. My monthly contributions to 457 and IRA are ...
by golfallday
Sat Jan 29, 2011 7:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Regarding rebalancing
Replies: 8
Views: 887

sugarland,

Welcome to the forum! Also, congratulations on an excellent AA for your age. You don't need any bonds for 10 years or so...just my thoughts. Max your Roth every year, then switch out to a target date in 8-10 years.

Good luck, and good investing.
by golfallday
Sat Jan 29, 2011 6:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: First Time in the Market! Would love Roth IRA AA feedback
Replies: 17
Views: 1364

TRP's retirement line up is extremely aggressive. I also think expensive. The hyper-diversification TRP employs in these funds basically lands you in what you would get in a Global Index Fund. I never understood why TRP's Retirement Funds 2020-2035 had around 20% allocations to their Growth Fund as ...
by golfallday
Sat Jan 29, 2011 1:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Target Date Retirement funds: Features or Flaws?
Replies: 16
Views: 2218
Next

Return to advanced search