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Re: 100% Stock Thread Collection

Dyloot wrote:For me, it's 90-10 for now until something else makes sense.


You mean, what your IPS dictates :wink:
by gvsucavie03
Mon Sep 01, 2014 8:49 pm
 
Forum: Investing - Theory, News & General
Topic: 100% Stock Thread Collection
Replies: 31
Views: 1957

Re: Married couple starting out - advice

I commend you for combining finances with your spouse. Spouses must be in unity unless an extreme financial situation exists. Ditch the lease... you are renting your car. They are making a killing off of you. QUESTIONS 1. First, what would you change about our investments? Should we both just put 10...
by gvsucavie03
Mon Sep 01, 2014 8:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Married couple starting out - advice
Replies: 11
Views: 470

Re: How does this portfolio look like?

Can't you purchase bonds with lower tax liability versus what you have listed? Also, to make this portfolio happen in and of itself is a lot of realized capital gains... Go slow and methodical. My suggestion of 3-fund works in taxable and tax-deferred. Can you move most or all of your tax-deferred t...
by gvsucavie03
Mon Sep 01, 2014 7:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: How does this portfolio look like?
Replies: 6
Views: 429

Re: Suggestions for a Western States road trip?

I LOVE Denver. If you get a chance to see the city, please do.

Drive through northern CA on your way to OR to see the redwoods. Ashland OR is also a beautiful town.
by gvsucavie03
Mon Sep 01, 2014 4:40 pm
 
Forum: Personal Consumer Issues
Topic: Suggestions for a Western States road trip?
Replies: 8
Views: 467

Re: Why invest in bonds?

I definitely don't recommend 100% bonds, but it should make someone think that maybe they're worthwhile. Too many people see those handy tools that show expected rates of return, with 100% stocks on top, and just figure they should get the most out of their money without realizing what they're sign...
by gvsucavie03
Mon Sep 01, 2014 4:36 pm
 
Forum: Investing - Theory, News & General
Topic: Why invest in bonds?
Replies: 88
Views: 4534

Re: How does this portfolio look like?

Why not just hold a simple (yet highly sophisticated) Three Fund Portfolio? Adding TIPS in retirement transition???

Because you are in an all-taxable account, rebalancing this will be very costly. Tax efficiency (fewer funds to mess with) will be to your advantage.
by gvsucavie03
Mon Sep 01, 2014 4:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: How does this portfolio look like?
Replies: 6
Views: 429

Re: 100% Stock Thread Collection

...posting a thread that's obviously mocking and deriding people strikes me as out of character for this site. Not mocking... pointing out faulty logic, over-confidence, and overly-romanticized recency bias that comes in a strong bull market. I think this thread reminds us to not develop superman s...
by gvsucavie03
Mon Sep 01, 2014 12:03 pm
 
Forum: Investing - Theory, News & General
Topic: 100% Stock Thread Collection
Replies: 31
Views: 1957

Re: Why invest in bonds?

Claver and abyan both brought up points about fear preventing investors from holding more stock. As I see it, the idea that bonds are there to help you "sleep well at night" should be put out of its misery. This causes mistakes in both directions. Aggressive investors hear that bonds are ...
by gvsucavie03
Mon Sep 01, 2014 11:45 am
 
Forum: Investing - Theory, News & General
Topic: Why invest in bonds?
Replies: 88
Views: 4534

Re: 100% Stock Thread Collection

Ha! This is great, thank you for starting this!
by gvsucavie03
Sun Aug 31, 2014 5:17 pm
 
Forum: Investing - Theory, News & General
Topic: 100% Stock Thread Collection
Replies: 31
Views: 1957

Re: Why invest in bonds?

A lot of people would be willing to take the risk involved in making the assumptions mentioned above This is VERY true. It is also very true that 70-80% of investors underperform basic market indexes because they think like the rest of your OP. You're not superman, and you're cherry-picking data. B...
by gvsucavie03
Sun Aug 31, 2014 5:09 pm
 
Forum: Investing - Theory, News & General
Topic: Why invest in bonds?
Replies: 88
Views: 4534

Re: International allocation

Where am I wrong, here? Not wrong, just some folks don't like adding that much risk for the diversification Int. stocks allow. I really don't think there is a right answer here. You have that completely backwards. You can't possibly have LESS risk by heavily tilting towards a single country. Unless...
by gvsucavie03
Fri Aug 29, 2014 1:48 pm
 
Forum: Investing - Theory, News & General
Topic: International allocation
Replies: 73
Views: 4125

Re: 100% stock AA-> At what age to add bonds?

On his 25th birthday, he should change to a 90/10 allocation and decide from there how the "glide path" will take shape. Either hold on at 90/10 or start changing every year (age - 15). Using Age-15, starting the glide at age 25 puts him at 60/40 at age 55, and 50/50 at age 65. A TR fund h...
by gvsucavie03
Sun Aug 24, 2014 5:59 pm
 
Forum: Investing - Theory, News & General
Topic: 100% stock AA-> At what age to add bonds?
Replies: 58
Views: 3677

Re: International allocation

arcticpineapplecorp. wrote:Thanks for clarifying with the dates from the original graph, I wasn't exactly sure what time period that was covering.


No problem.

Vanguard places Total Int on level 5 of risk while TSM is level 4. There is much to say about the additional risk of having a greater international holding.
by gvsucavie03
Sun Aug 24, 2014 4:06 pm
 
Forum: Investing - Theory, News & General
Topic: International allocation
Replies: 73
Views: 4125

Re: International allocation

Taken from Rick Ferri off of a google search for "efficiency frontier - US stock/Int Stock" http://i61.tinypic.com/bev8e1.png Be careful there...depends on what time period you're looking at doesn't it? http://i.imgur.com/oP9dy.jpg http://i.imgur.com/oP9dy.jpg First image covers a much lo...
by gvsucavie03
Sun Aug 24, 2014 3:16 pm
 
Forum: Investing - Theory, News & General
Topic: International allocation
Replies: 73
Views: 4125

Re: Buy & Hold Forever Blue Chip Stocks???

SuperSaver wrote:Thanks to the wise BG community. I will take my hard earned salary and stick with index funds. I was tempted by the fantasy blue chip market by $0 trades on my Merrill Edge account. If anything, I will use a tiny allotment of play money to ride the wave.


:beer
by gvsucavie03
Sun Aug 24, 2014 2:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buy & Hold Forever Blue Chip Stocks???
Replies: 73
Views: 3841

Re: International allocation

Taken from Rick Ferri off of a google search for "efficiency frontier - US stock/Int Stock"

Image
by gvsucavie03
Sun Aug 24, 2014 2:44 pm
 
Forum: Investing - Theory, News & General
Topic: International allocation
Replies: 73
Views: 4125

Re: Buy & Hold Forever Blue Chip Stocks???

Everybody said the same thing about GE not that long ago - it was "mutual-fund-like" because it bought and operated so many diverse businesses. I had personal experience with GE, as an employee and stockholder. Books were written about GE, too. You may not look at BRK like any other indiv...
by gvsucavie03
Sun Aug 24, 2014 2:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buy & Hold Forever Blue Chip Stocks???
Replies: 73
Views: 3841

Re: Buy & Hold Forever Blue Chip Stocks???

Please think very hard about that. GE is a perfect example of the blue-chip fantasy. Circa 1999 People said "GE is like mutual fund." Globally diversified. Sector diversified. In thirty different business, and one of the three top companies in the world in every single one of those thirte...
by gvsucavie03
Sun Aug 24, 2014 2:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buy & Hold Forever Blue Chip Stocks???
Replies: 73
Views: 3841

Re: Buy & Hold Forever Blue Chip Stocks???

I realize that, but Berkshire owns so many companies, I look at it differently. After reading the book Warren Buffett's Berkshire Hathaway - 101 Reasons to own the World's Greatest Investment by Robert P. Miles, I do not look at it like any other individual stock on earth. However, I still recommen...
by gvsucavie03
Sun Aug 24, 2014 2:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buy & Hold Forever Blue Chip Stocks???
Replies: 73
Views: 3841

Re: New funds available...AA check?

cherijoh wrote:Why not keep the Spartan S&P 500 fund and just add some mid-cap and small cap to get your domestic exposure?


http://www.bogleheads.org/wiki/Approxim ... ock_market

Already covered above
by gvsucavie03
Sun Aug 24, 2014 2:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: New funds available...AA check?
Replies: 7
Views: 575

Re: AAII

I wouldn't pay $30/year to get the advice I could read for free on Oblivious Investor's blog, this Wiki/blog or this forum.
by gvsucavie03
Sun Aug 24, 2014 2:06 pm
 
Forum: Personal Consumer Issues
Topic: AAII
Replies: 3
Views: 329

Re: Buy & Hold Forever Blue Chip Stocks???

SuperSaver, how stable do you think the market of Google and Apple are? "Stability" itself is an illusion... the market is constantly changing, and technology will only make the rate of change more difficult. Imagine just going back to 1990 and doing this same exercise... how many compani...
by gvsucavie03
Sun Aug 24, 2014 1:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buy & Hold Forever Blue Chip Stocks???
Replies: 73
Views: 3841

Re: Buy & Hold Forever Blue Chip Stocks???

In the spirit of answering your original post, you could always add some JNJ with a portion of your $20,000. Agree with your post in its entirety, but one could also get decent J&J exposure through Vanguard Health (VHT) and the IYH and IXJ iShares. All have handily outperformed J&J, which a...
by gvsucavie03
Sun Aug 24, 2014 1:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buy & Hold Forever Blue Chip Stocks???
Replies: 73
Views: 3841

Re: Buy & Hold Forever Blue Chip Stocks???

FYI - some of the wisest and most "seasoned" BH's are chiming in on this thread. I suggest you do exactly what they are recommending if you want to be a successful investor. This forum was founded on helping folks like the OP see the "light."
by gvsucavie03
Sun Aug 24, 2014 1:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buy & Hold Forever Blue Chip Stocks???
Replies: 73
Views: 3841

Re: New funds available...AA check?

You might consider the 4 fund tilting portfolio: http://www.bogleheads.org/forum/viewtopic.php?f=10&t=38374 And consider reading Taylor's Three Fund Portfolio thread. This changed my mind in regards to simplicity. http://www.bogleheads.org/forum/viewtopic.php?f=10&t=88005
by gvsucavie03
Sun Aug 24, 2014 1:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: New funds available...AA check?
Replies: 7
Views: 575

Re: International allocation

Austintatious wrote:Where am I wrong, here?


Not wrong, just some folks don't like adding that much risk for the diversification Int. stocks allow. I really don't think there is a right answer here.
by gvsucavie03
Sun Aug 24, 2014 1:26 pm
 
Forum: Investing - Theory, News & General
Topic: International allocation
Replies: 73
Views: 4125

Re: New funds available...AA check?

mrjcgumby wrote:I think that looks good and isn't overly complicated.


According to what? This is VERY complicated in comparison to a 3-fund or Core 4.

Stick with simplicity. Add TIPS in transition to retirement and continue to build more in retirement until between 30-50% of FI.
by gvsucavie03
Sun Aug 24, 2014 11:30 am
 
Forum: Investing - Help with Personal Investments
Topic: New funds available...AA check?
Replies: 7
Views: 575

Re: Buy & Hold Forever Blue Chip Stocks???

Read the wiki of this website... you'll find quickly that your post runs directly perpendicular to the philosophies that have developed this community, especially that this is a portfolio you intend to pass on to your children.
by gvsucavie03
Sun Aug 24, 2014 11:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Buy & Hold Forever Blue Chip Stocks???
Replies: 73
Views: 3841

Re: Help with AA for 25 year old

You all bring up very good points, and I'm happy I have more discussion points to bring up with her to help her make the best decision. From a personal standpoint, I understand the benefits of a market correction when you have a long investment horizon and I can stay the course, but I also understa...
by gvsucavie03
Sun Aug 24, 2014 10:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with AA for 25 year old
Replies: 11
Views: 521

Re: International allocation

We're at 30%, although I'm steadily becoming convinced, largely by all the discussions about international on this forum, that it should be higher, reflecting true market share. World market share and personal risk tolerance are two different issues. Some folks may not like the greater volatility o...
by gvsucavie03
Sun Aug 24, 2014 10:39 am
 
Forum: Investing - Theory, News & General
Topic: International allocation
Replies: 73
Views: 4125

Re: Help with AA for 25 year old

... I would caution recommending that to someone I don't know. Exactly why I refrained from making hard-set allocations. Contributing up to a match in a 401(k) is not a lot annually based on a 50K income, so one fund (Spartan 500 or TR) isn't going to shift stuff around too much. Again, we don't ev...
by gvsucavie03
Sun Aug 24, 2014 10:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with AA for 25 year old
Replies: 11
Views: 521

Re: International allocation

If selecting individual funds for a 3-fund (or Core 4 or whatever your flavor is), a higher % of international gives you Admiral shares more quickly.
by gvsucavie03
Sun Aug 24, 2014 10:02 am
 
Forum: Investing - Theory, News & General
Topic: International allocation
Replies: 73
Views: 4125

Re: Help with AA for 25 year old

Those are the right four funds. The question would be the allocations. I'd go with 500 to extended at a ratio of 4 - 1, about matching the market. I'd have international at about 30% of total equities. Based on research of past performance by others, the minimum I'd recommend for bonds at any age i...
by gvsucavie03
Sun Aug 24, 2014 9:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with AA for 25 year old
Replies: 11
Views: 521

Re: Help with AA for 25 year old

Thanks for the reply. When we lived together last year, she had about $2K in CC debt and a small personal loan to her parents. I can't understand being in CC debt at such a young age (or any age), so I made her promise that she would pay more than the minimum and be out of debt before our lease was...
by gvsucavie03
Sun Aug 24, 2014 9:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with AA for 25 year old
Replies: 11
Views: 521

Re: Asset Allocation in Vanguard LifeStrategy Funds

Don't forget also that you can set up a "ladder" to gradually adjust allocation and not be stuck at 80, 60, 40 and 20% stocks... The ladder shows one's desired allocation and the percentage towards LS Growth and LS Income. Desired AA Mix Gr/Inc 80/20 100/0 70/30 83.33/16.67 60/40 66.67/33....
by gvsucavie03
Sun Aug 24, 2014 9:43 am
 
Forum: Investing - Theory, News & General
Topic: Asset Allocation in Vanguard LifeStrategy Funds
Replies: 8
Views: 1304

Re: Help with AA for 25 year old

Income does not give one their tax bracket, it is based on taxable income... I make around $60K and I'm in the 15% bracket because of deductions and exemptions. The standard deduction alone might put her close to the 15% bracket. You've made a pretty detailed conclusion without all of the facts.... ...
by gvsucavie03
Sun Aug 24, 2014 9:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with AA for 25 year old
Replies: 11
Views: 521

Re: New Investor- Am I making sound investments?

At 26 years old, I would be 100% in stocks in my retirement accounts. You have 35-40 years before retirement. You just can't panic and sell if the stock market goes down 20%-50%. That's the "sell low" strategy. You can start to move toward your bond allocation in your retirement accounts ...
by gvsucavie03
Sat Aug 23, 2014 7:31 am
 
Forum: Investing - Help with Personal Investments
Topic: New Investor- Am I making sound investments?
Replies: 22
Views: 2567

Re: Which Vanguard bond Fund ?

I don't disagree with anything you said and would also like to hear what he says at the BH conference. I know that over the past 2 years he has repeatedly stated his discomfort with the high US government instruments percentage (c.70%) in the index that TBM follows and therefore with the fund itsel...
by gvsucavie03
Fri Aug 22, 2014 7:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard bond Fund ?
Replies: 36
Views: 3164

Re: Which Vanguard BOND Fund ?

Why would one select a bond fund with the same criteria (performance) as they do a stock fund? Bond fund selection should be about choosing a fund with the highest rating and greatest diversification without too long or short of a duration. TBM is a no-brainer. +1 Tell Jack Bogle that TBM is a no-b...
by gvsucavie03
Fri Aug 22, 2014 4:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard bond Fund ?
Replies: 36
Views: 3164

Re: Reading Suggestions

Glad you figured out that DR's investing advice is flawed... :annoyed
by gvsucavie03
Thu Aug 21, 2014 6:51 pm
 
Forum: Investing - Theory, News & General
Topic: Reading Suggestions
Replies: 12
Views: 791

Re: Reading Suggestions

Little Book of Common Sense Investing by Bogle is also a quick, informative, and even humorous read. It's also not nearly as "dense" as his two main textbooks - Bogle on Mutual Funds and Common Sense on Mutual Funds, but both of those are excellent for a serious investor.
by gvsucavie03
Thu Aug 21, 2014 6:40 pm
 
Forum: Investing - Theory, News & General
Topic: Reading Suggestions
Replies: 12
Views: 791

Re: New Investor- Am I making sound investments?

Does your 6% match only apply if you buy company stock? How long until you can sell the stock within the 401(k)? Reason I'm asking is you have almost 1/4 of your nest egg in company stock which is very risky.
by gvsucavie03
Thu Aug 21, 2014 6:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Investor- Am I making sound investments?
Replies: 22
Views: 2567

Re: Which Vanguard BOND Fund ?

A number of Bogleheads do not see the Total Bond Fund as the apporpriate sole bond fund to hold. These doubters include Jack Bogle and Larry Swedroe (who have different reasons for not liking it). There have been many threads on this forum discussing this subject. The risks of corporate bonds have ...
by gvsucavie03
Wed Aug 20, 2014 9:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard bond Fund ?
Replies: 36
Views: 3164

Re: portfolio turnover

Probably due to maturities being reached. Why would you buy TBM in a taxable account?
by gvsucavie03
Wed Aug 20, 2014 9:21 pm
 
Forum: Investing - Theory, News & General
Topic: portfolio turnover
Replies: 9
Views: 939

Re: New Investor- Am I making sound investments?

Hrer is the link to asking portfolio questions

viewtopic.php?f=1&t=6212
by gvsucavie03
Wed Aug 20, 2014 9:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Investor- Am I making sound investments?
Replies: 22
Views: 2567

Re: New Investor- Am I making sound investments?

Welcome! Please post portfolio questions under the guidelines on the investment forum page. Read the wiki as far as you possibly can and pick up a copy of Bogleheads Guide to investing off of Amazon. You'll learn that those friends selling are not wise. We are buy-and-hold after setting an asset all...
by gvsucavie03
Wed Aug 20, 2014 9:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Investor- Am I making sound investments?
Replies: 22
Views: 2567

Re: Which Vanguard BOND Fund ?

Why would one select a bond fund with the same criteria (performance) as they do a stock fund? Bond fund selection should be about choosing a fund with the highest rating and greatest diversification without too long or short of a duration. TBM is a no-brainer.
by gvsucavie03
Wed Aug 20, 2014 7:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard bond Fund ?
Replies: 36
Views: 3164

Re: Which Vanguard BOND Fund ?

Total bond market.... Greatest diversification. Even better to add inTIPS.
by gvsucavie03
Wed Aug 20, 2014 4:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard bond Fund ?
Replies: 36
Views: 3164

Re: Purpose of VTIAX?

Image

Yay... learned something new. Can't figure out how to link, but the img is there at least....

Blue line is US, Orange is Int
by gvsucavie03
Wed Aug 20, 2014 3:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Purpose of VTIAX?
Replies: 5
Views: 471
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