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Once Prime Mon. Mkt. is removed, will the Tips to Bond ratio change?

77 & married with SS and Vanguard IRA,larger than RMD need, & no debt. 67% Life Mod. Growth & 33% original Tips fund. Stay as is, exchange existing Tips to 100% short Tips, or something in between?

Has there been a date set, when the Tips and Int. Bnd. changes will take place?

Age 77 & married, with only Social Security and an IRA at Vanguard, it's 32%, or 40% of portfolio.

Would you have had the courage to rebalance, as stocks plummeted during the last crash? If not, let Vanguard do it for you.

If you don't have the courage to rebalance during a severe stock market decline and take advantage of buying low, then having Vanguard do it for you can be a great advantage. Only you know if the higher fund of funds ER vs Admiral ER is worth it.

What you have described, can be acheived in just one fund, the LifeStrategy Moderate Growth fund. Although I think most Bogleeads would say the LifeStrategy Conservative Growth fund would be more appropriate. There are many opinions, that the inclusion of the Tips fund is advisable. Combining LifeSt...

LifeStrategy Moderate Growth in taxable and Total Bond in tax deferred=30% stocks/70% bonds in only two funds.Personally, I would add Tips to the deferred, for a three fund portfolio.

Roth at 100% LifeStrategy Mod. Growth, would eliminate rebalancing, which takes courage when the market crashes. Less Int., of course. Or 60% Tot. World and 40% Tot. Bnd. is about as simple as it gets and you don't have to try and beat the market with custom asset allocations.

I think a lot of people pick 40%, because it's half way in between Vanguard's Target & Life fund's 30% and the worlds 50% weighting. A lot of retirees have 40% stocks/60% bonds, so 40% Int/60% US keeps things simple.

My IRA is 67% LifeStrategy Moderate Growth & 33% Tips because I don't like Target's Prime, which pays nothing, and low Tips to Tot. Bnd. allocation. I keep my Prime balance low and only to pay bills.

I had my single sister in law roll her 401K into this fund when she retired, at age 70, a year ago. Other than S.S., this is her only pension. I don't use this fund because, 5% in Prime, would be $80K earning nothing and I am also a Die Hard that believes in my 60% bonds being split 50%/50% Tot. Bnd...

I went from the traditional 4 fund 40% stocks/60% bonds portfolio, all Admiral Shares, to 67% lifeStrategy Moderate Growth and 33% Tips/Admiral shares, which retained my desired 40% stocks. I did this to get 67% of my portfolio automatically rebalanced because, why I didn't sell anything during the ...

There has been millions of pages written on the historical (hysterical) odds against beating the market. An index fund portfolio guarantees you lowest cost and elimination of one of investments greatest risks, manager risk. Two out of three, ain't bad.

I went from multiple funds to just two funds, after I adopted the KISS (Keep it Simple Stupid) approach. 67% LifeStrategy Moderate Growth & 33% Tips Fund. Result is, 40% Stocks & 60% Bonds, with a high degree of hands off daily rebalancing. There are many two fund approaches, to achieve diff...

Is there a formula that utilizes your present age?

What is the difference between the Reinvest Date & Payable Date? Or maybe the question should have been, why are the dates different?

How could iShares Barclays TIPS Bond be up + 0.08% today and Vanguard TIPS/ADM shares be down -2.63%? I have always found a close correlation between the two.

For the 10 year quarter's end average annual return, Vanguard's Total Stock Market Fund (USA) returned 8.63% vs the Total International Stock Market Fund's (Foreign) 9.44%. Morning Star shows Vanguard's 15 returns at 4.94% USA vs 5.12% Foreign. These compound out to significant differences. You appe...

I actually believe it is possible that he said "stocks" and meant to say "bonds." As simple as that. <--snip--> In context, I think that means non-dollar denominated emerging countries' bonds ... as opposed to the dollar-denominated emerging markets bonds that will comprise the ...

wwross wrote:Can you rephrase? The language is a little too obscure for me. Thanks.

He said, invest in "Non-Dollar Emerging-Market Stocks". What are they?

Educational question only. One of his Pics is Non-Dollar Emerging- Market Stocks. Doe's that mean currency un-hedged? Is Vanguard's hedged?

I can't provide a link, because I have received it in the mail free since his first book (1997), although I have never had a penny invested in Pimco. I think I understand his last page "PANS", but I would like to see posts regarding his "Picks".

Is there a percent of an IRA left when RMDs reach the end of a persons actuaril life?

Doe's Vanguard have the most U.S. investor/retail assets? Is there a world ranking? How about institutional assets?

Rather then use the TR or LS Income funds.I would core with LS Moderate (60/40) or LS Conservative (40/60) and then dilute to the desired bond level with a separate Short Term Investment Grade Bond Fund.You could also add a TIPS fund in some proportion. Current is 67% LifeStrategy Moderate Growth &...

I am set with a 4 index fund IRA, so this question is just for education. Would you prefer Target with it's 5% Prime earning nothing or Life with no Tips? Since the operative word (verb) is "prefer" my answer is TR Income VTINX. I think Cash as an asset class is disrespected since interes...

I am set with a 4 index fund IRA, so this question is just for education. Would you prefer Target with it's 5% Prime earning nothing or Life with no Tips?

Anybody know if the Hulbert Financial Digest news letter tracks any of Dan's portfolios and, if so, the performance of the best and worst? I subscribed to the Hulbert when it first came out, but didn't need it when I became a 4 fund indexer.

Has Target Retirement Income Fund always been 70% Tot. Bnd./30% Tips? Has Vanguard, or anyone, ever published a paper describing the reason for this allocation? Same questions for LifeStrategy Income Fund's 100% Tot. Bnd.

The more I learn, the less I know. What concern is volatility, in a risk free security? While I agree the Tips Fund has been more volatile than Tot. Bnd., why doe's the Tips page state,"**Historically, the real interest rates on TIPS have been somewhat less volatile than the nominal yields on c...

Was there an article that said retiree's assets that can't be risked, should only be in Tips and the rest in stocks? You may be thinking of Prof. Zvi Bodie, who has recommended TIPS for retirement and stocks for money that one can afford to risk-- IIRC! He wrote a book called Risk Less and Prosper ...

Was there an article that said retiree's assets that can't be risked, should only be in Tips and the rest in stocks?

rec7 wrote:You can look at them all at once here

https://personal.vanguard.com/us/funds/ ... sTableView

This lists over 100 funds, on multiple pages. My Watch List allows you to list all your funds on one page.

I have a Vanguard web site, My Watch List book marked, that doesn't require I Log On to my account. It displays Fund Name, Price, YTD Change in $ & %, YTD Return%, IYR%, 5YR%, & 10YR%, on one page. When I make changes on the Edit List Page, and click Submit, I am taken back to the My Watch L...

For 2011 and 2012, QDI that falls in 15% bracket or lower is taxed at 0%, and 15% for QDI that falls in the 25% bracket or higher. Under current tax rules the best case for $1820 QDI is ZERO Fed Tax and worst case is 15% of 1820. The Bond dividends are non-QDI and will be taxed as ordinary income a...

Morningstar's description of Tax Cost Ratio: http://www.morningstar.com/InvGlossary/tax_cost_ratio.aspx Tax Cost Ratio The Morningstar Tax Cost Ratio measures how much a fund's annualized return is reduced by the taxes investors pay on distributions. Mutual funds regularly distribute stock dividend...

Morning Star shows a 1 year Tax Cost Ratio of 1.03% for Tot.Bnd and 0.28% for Tot. Stk. For a taxable account. Does that mean 0.75% more Federal tax for Tot.Bnd vs Tot. Stk? I am only looking for a ballpark number, to make my decision. This is Morningstar's definition of "Tax Cost Ratio": ...

CyberBob wrote:If you need exact numbers, Morningstar has tax-adjusted returns and tax-cost ratios listed under the 'tax' tab for each fund. http://www.morningstar.com

Bob

Thank's, made a major $ decision easier.

I can convert my IRA Bogle 4 Fund into a 2 Fund portfolio containing the same funds with only a slight/ acceptable allocation difference. If you wanted to do this, what would be the maximum percent ER increase you would accept?

What is the tax impact, for each of these, in a taxable account?

What ever became of it?

lks: Thank you for your quick reply. With all your investments in and IRA, may I suggest Vanguard's Target Retirement Income Fund for a simple one-fund solution. This fund was designed by Vanguard experts for retirees. It is very diversified with virtually no maintenance (rebalancing) and your even...

lks: Thank you for your quick reply. With all your investments in and IRA, may I suggest Vanguard's Target Retirement Income Fund for a simple one-fund solution. This fund was designed by Vanguard experts for retirees. It is very diversified with virtually no maintenance (rebalancing) and your even...

Taylor Larimore wrote:It is important to coordinate fund selection with ALL the securities in your ENTIRE portfolio--not just the IRA. Is the IRA your entire portfolio? If not, please present it.

ASKING PORTFOLIO QUESTIONS

Thank you and best wishes.
Taylor

This is my only portfolio.

Current age 77 IRA is: 24% Tot. Stk/ 16% Tot. Int./ 30% Tot. Bnd./ 29.5% Tips/ .05% Prime. Prime is in a taxable account used for check writting and I don't count it as one of my investment funds. This is my only portfolio. In an effort to simplify and obtain a high degree of hands off rebalancing, ...

Is there a recommended retirement age that this asset allocation is appropriate for a retiree, who has no debt or mortgage, and only other income is Social Security?

Total World is 50%/50% and Target & LifeStrategy are 70%/30%. What pecentages do Vanguard retirees select and why?

Assuming a 50%/50% allocation at retiremment, should Tips percentage be reduced as one becomes older? Should Bond duration be decreased?

Any way to tell when Target 2020 would begin seeing the Tips in Target 2015?