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TIPS Theory

In theory, should Tips perform opposite from Total Bond thru all/most market cycles?
by lks
Sun Mar 16, 2014 12:44 pm
 
Forum: Investing - Theory, News & General
Topic: TIPS Theory
Replies: 5
Views: 595

Short Tips vs Tot. Bnd funds

Can the diversification of adding the Short Tips fund ,to the Tot. Bnd fund, be quantified? I am trying to determine if I want to eliminate my S-Tips, so I have the 3 fund portfolio.
by lks
Mon Feb 24, 2014 1:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Short Tips vs Tot. Bnd funds
Replies: 6
Views: 575

Mutual fund vs ETF ER

Why is a Vanguard ETF ER, lower than the mutual fund "investor" shares ER?
by lks
Tue Feb 18, 2014 2:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mutual fund vs ETF ER
Replies: 4
Views: 189

Total Int. Stock % allocation?

For a three Admiral fund portfolio, should one use the 70%/30% Tot. Stk. to Tot. Int. Stk. ratio contained in the Target & LifeStrategy funds?
by lks
Sun Feb 16, 2014 4:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total Int. Stock % allocation?
Replies: 46
Views: 2986

modified 3 fund rule?

Have 3 fund rule followers, added the Total International Bond Fund to their portfolio, like Vanguard did with their LifeStrategy funds, that use to be 3 funds?
by lks
Sun Feb 16, 2014 12:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: modified 3 fund rule?
Replies: 2
Views: 337

Re: Maybe a "duh" question, but I'll ask it anyways

Target contains Short term Inflation Bonds & LifeStrategy doesn't.
by lks
Fri Feb 14, 2014 6:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Maybe a "duh" question, but I'll ask it anyways
Replies: 7
Views: 1698

Target & LifeStrategy rebalancing

Has Vanguard ever given a reason for daily rebalancing, vs other less frequent approaches? Doe's daily rebalancing work best in a declining market,ie buy low?
by lks
Fri Feb 14, 2014 2:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Target & LifeStrategy rebalancing
Replies: 1
Views: 312

Admiral Shares

Has a reason ever been given for Vanguard not offering Admiral shares for their Target and LifeStrategy funds? I pay $900 more per year for LifeStrategy simplicity vs the cost of it's five individual funds in Admiral shares for my IRA account.
by lks
Fri Feb 14, 2014 1:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Admiral Shares
Replies: 4
Views: 621

Admiral or Life Strategy?

What would you pay in dollars or additional portfolio ER percent, to have the simplicity of one fund vs five? Do you think there is a monetary advantage to daily rebalancing vs Vanguard's (FTP) Frequent Trading Policy restrictions?
by lks
Thu Feb 13, 2014 9:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Admiral or Life Strategy?
Replies: 16
Views: 1900

Retiree S-Tips Allocation

Target Retirement Income Fund has 24% of fixed income, in S-Tips. What retirees, differ from this, and why?
by lks
Sun Feb 09, 2014 2:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiree S-Tips Allocation
Replies: 2
Views: 304

Retiree Tips Allocation

Target Retirement Income Fund has 24% of fixed, in Tips, while some Bogleheads advocate 50% tips of fixed. Why?
by lks
Thu Feb 06, 2014 1:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiree Tips Allocation
Replies: 3
Views: 433

Retiree assett alocation

What is Mr. Bogles current formula and does it entail including Social Security?
by lks
Wed Feb 05, 2014 7:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiree assett alocation
Replies: 1
Views: 325

Short TIPS history

Any actual or theoretical historical returns available?
by lks
Tue Jan 28, 2014 7:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Short TIPS history
Replies: 3
Views: 405

Age minus x = stocks

Is there a current consensus on what x should be, for the average retired person?
by lks
Tue Jan 28, 2014 12:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Age minus x = stocks
Replies: 9
Views: 664

Target's Glide Path

When will Target 2010, equal Target Retirement's assett alocation?
by lks
Sun Jan 26, 2014 8:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Target's Glide Path
Replies: 1
Views: 252

Overweight Short Tips?

Any one do this , compared to Target 2010's 20.9% weighting of fixed income? And, if so,why?
by lks
Fri Jan 24, 2014 4:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Overweight Short Tips?
Replies: 10
Views: 528

Vanguard Long TIPS vs Vanguard Short Tips

Is there any data showing how the Short TIPS fund would have performed, in the past, compared to the Long Tips fund?
by lks
Fri Dec 27, 2013 6:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Long TIPS vs Vanguard Short Tips
Replies: 11
Views: 887

Tips or not?

78 & Retired with Soc. Sec. & $1.6m Vanguard. 100% Life Strat. Cons. Growth or 70% Life Strat. Mod. Growth with 30% Short Tips?
by lks
Tue Dec 17, 2013 3:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tips or not?
Replies: 2
Views: 424

S&P 500% of Tot. Stk. Mkt?

What is the percent of S&P500 in the Total Stock market Fund?
by lks
Sun Dec 15, 2013 2:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: S&P 500% of Tot. Stk. Mkt?
Replies: 5
Views: 1153

Wellesley/Wellington vs Life Consrv/Mod Grwth

Why pick the passive vs the active, for the identical allocations funds?
by lks
Fri Aug 30, 2013 4:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Wellesley/Wellington vs Life Consrv/Mod Grwth
Replies: 4
Views: 866

Pimco Total Return

What Vanguard fund, or funds and their pecentages, would be the most accurate benchmark to the subject?
by lks
Thu Aug 15, 2013 8:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Pimco Total Return
Replies: 1
Views: 395

Total Int. Bond Index

Anyone going to invest in this, that is going to allocate less than 20% of their fixed income to it?
by lks
Fri Jun 14, 2013 8:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total Int. Bond Index
Replies: 1
Views: 266

Total International Bond Fund

I havn't been able to find out how many bonds it holds, not even reading the prospectus. Doe's anybody know how many?
by lks
Fri Jun 14, 2013 12:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total International Bond Fund
Replies: 2
Views: 467

Re: Investing is boring

If sensible investing wasn't boring, it would be called gambling.
by lks
Thu Jun 13, 2013 2:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing is boring
Replies: 34
Views: 3713

Don't understand graph

Don't know how to post a link, but Vanguard's March 2012 paper "Global fixed income: Considerations for U.S. investors", page three graph, lists four asset classes but only shows three fluctuating lines. What am I missing?
by lks
Tue Jun 11, 2013 11:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Don't understand graph
Replies: 3
Views: 267

Total Bond International

For those retired with 50% Total Bond and 50% Tips, what are you going to do about the subject?
by lks
Mon Jun 10, 2013 9:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total Bond International
Replies: 1
Views: 316

International Bonds

The fund of funds are supposed to get 20% of their bond allocation, invested in internationa bonds. Is that 20% of the Total Bond Fund or 20% of the total of Total Bond and TIPS Fund?
by lks
Thu Jun 06, 2013 6:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: International Bonds
Replies: 1
Views: 284

Target Tips

When is the change to Short Tips scheduled?
by lks
Wed May 22, 2013 9:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Target Tips
Replies: 2
Views: 361

Target Retirement Income change

Once Prime Mon. Mkt. is removed, will the Tips to Bond ratio change?
by lks
Thu Feb 28, 2013 6:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Target Retirement Income change
Replies: 1
Views: 390

Tips Duration?

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?
by lks
Sun Feb 17, 2013 9:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tips Duration?
Replies: 1
Views: 247

Fund of Funds Change

Has there been a date set, when the Tips and Int. Bnd. changes will take place?
by lks
Sun Feb 17, 2013 2:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fund of Funds Change
Replies: 3
Views: 467

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

Age 77 & married, with only Social Security and an IRA at Vanguard, it's 32%, or 40% of portfolio.
by lks
Tue Jan 15, 2013 2:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Percentage of "Net Worth" Invested in Stocks - Retired
Replies: 28
Views: 2743

Re: Exchanging a Target Retirement Fund into other mutual fu

Would you have had the courage to rebalance, as stocks plummeted during the last crash? If not, let Vanguard do it for you.
by lks
Tue Jan 15, 2013 2:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Exchanging a Target Retirement Fund into other mutual funds
Replies: 20
Views: 1565

Re: Switching from TR funds to DIY Three Funds, is it worth

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.
by lks
Sat Jan 05, 2013 12:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Switching from TR funds to DIY Three Funds, is it worth it ?
Replies: 6
Views: 698

Re: 3-Fund Approach Asset Allocation help

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...
by lks
Tue Jan 01, 2013 1:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: 3-Fund Approach Asset Allocation help
Replies: 5
Views: 855

Re: Considering Target Retirement Income as only holding.

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.
by lks
Mon Dec 31, 2012 7:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Considering Target Retirement Income as only holding.
Replies: 26
Views: 1826

Re: Portfolio: Smart or Stupid?

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.
by lks
Sun Dec 23, 2012 3:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio: Smart or Stupid?
Replies: 13
Views: 1529

Re: Your International vs. U.S. Stock Allocation?

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.
by lks
Sun Dec 23, 2012 3:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Your International vs. U.S. Stock Allocation?
Replies: 73
Views: 5958

Re: Recent Retiree - Target Retirement Income or Wellesley F

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.
by lks
Sun Dec 23, 2012 3:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Recent Retiree - Target Retirement Income or Wellesley Fund?
Replies: 31
Views: 3993

Re: Index Funds or VTINX (Target Retirement Income)

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...
by lks
Fri Dec 21, 2012 1:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Index Funds or VTINX (Target Retirement Income)
Replies: 7
Views: 952

Re: How to do 50:50 split with LifeStrategy Funds

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 ...
by lks
Fri Dec 21, 2012 1:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to do 50:50 split with LifeStrategy Funds
Replies: 21
Views: 2086

Re: Request for help on Mom's 40/60 portfolio w/Vanguard fun

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.
by lks
Thu Dec 20, 2012 6:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Request for help on Mom's 40/60 portfolio w/Vanguard funds
Replies: 7
Views: 2785

Re: Request for help on Mom's 40/60 portfolio w/Vanguard fun

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...
by lks
Thu Dec 20, 2012 3:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Request for help on Mom's 40/60 portfolio w/Vanguard funds
Replies: 7
Views: 2785

Withdrawal Rule of Thumb?

Is there a formula that utilizes your present age?
by lks
Thu Dec 20, 2012 3:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Withdrawal Rule of Thumb?
Replies: 7
Views: 1080

Distributions?

What is the difference between the Reinvest Date & Payable Date? Or maybe the question should have been, why are the dates different?
by lks
Thu Dec 20, 2012 2:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Distributions?
Replies: 2
Views: 293

Tips Crash?

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.
by lks
Wed Dec 19, 2012 7:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tips Crash?
Replies: 7
Views: 890

Re: International Equity volatility

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...
by lks
Sun Dec 16, 2012 1:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: International Equity volatility
Replies: 47
Views: 1990

Re: Bill Gros's Dec. 2012 Outlook

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 ...
by lks
Wed Dec 12, 2012 6:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bill Gros's Dec. 2012 Outlook
Replies: 6
Views: 837

Re: Bill Gros's Dec. 2012 Outlook

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?
by lks
Wed Dec 12, 2012 2:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bill Gros's Dec. 2012 Outlook
Replies: 6
Views: 837

Bill Gros's Dec. 2012 Outlook

Educational question only. One of his Pics is Non-Dollar Emerging- Market Stocks. Doe's that mean currency un-hedged? Is Vanguard's hedged?
by lks
Wed Dec 12, 2012 12:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bill Gros's Dec. 2012 Outlook
Replies: 6
Views: 837
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