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Vanguard reduced bond allocation in Target Dated fund

Have you all noticed that Vanguard reduced bond allocation in the target dated funds. I am invested in TR2020 and the bond allocation is down from ~39% to ~38%.
Isn’t this opposite to what TR funds are supposed to do?
by parsi1
Tue Mar 18, 2014 11:50 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard reduced bond allocation in Target Dated fund
Replies: 14
Views: 1248

Re: question about gold/silver storage

how about a fireproof safe and a security system.
by parsi1
Mon Mar 17, 2014 6:51 pm
 
Forum: Personal Consumer Issues
Topic: question about gold/silver storage
Replies: 26
Views: 1432

Re: What video games are you currently playing?

Any Sudoku fans here.
I have the app on my kid’s Nook and my wife’s Ipad. But since they don’t give me chance to use their electronics, I buy the Sudoku books from dollar stores.
The book works better with my semi blind eyes anyway.
by parsi1
Wed Mar 12, 2014 9:33 am
 
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 99
Views: 4223

Re: You know you're a Boglehead when ...

1-You still use an old (or New) flip phone, and/or pay less than $10/month for a cell phone. :D :sharebeer
2- Your home page is :http://www.bogleheads.org/ and you have only one favorite on your browser which is Vanguard.com
by parsi1
Tue Mar 04, 2014 4:17 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: You know you're a Boglehead when ...
Replies: 86
Views: 5147

Re: Paying off the mortgage. Kind of.

Payoff the mortgage and then set up an automatic payment to invest in any Vanguard fund that you like every month equal to your house payment.
Do you have a Roth IRA?
If you don't, your automatic monthly investment can be in a Roth IRA
by parsi1
Fri Feb 28, 2014 8:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Paying off the mortgage. Kind of.
Replies: 29
Views: 2783

Re: Should I put all my money in target funds?

In my 401K, I am 90% TR2020 and 10% REIT. I don’t have any strong logic/reason for the 10% REIT, except that I like to invest in real estate. I tried to model the perfect portfolio with the least volatility and best return using Excel spreadsheet with 30 years of historical data. Then, after all tha...
by parsi1
Thu Feb 20, 2014 11:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I put all my money in target funds?
Replies: 6
Views: 1148

Re: Market Crash Stategies?

Whoever is not comfortable enough about their investments to sleep well during ups and downs of market, don’t have a proper asset allocation. Is it possible that your asset allocation doesn’t fit your risk tolerance?
by parsi1
Wed Feb 19, 2014 5:05 pm
 
Forum: Investing - Theory, News & General
Topic: Market Crash Stategies?
Replies: 40
Views: 3136

Re: How do I find the next Berkshire Hathaway?

well that's easy the symbol is VTI, if you own VTI not only you will own the next Berkshire Hathaway but also you own Berkshire Hathaway.
by parsi1
Sun Jan 26, 2014 9:49 am
 
Forum: Investing - Help with Personal Investments
Topic: How do I find the next Berkshire Hathaway?
Replies: 37
Views: 2217

Re: Letting go: Classic textbooks

Keep them all, I have been holding to my books for the past 30 years and if you want to move, for movers a few boxes of books won't matter.
We also programed with Fortran IV and old punch cards and VAX system ( I am sure the VAX had light bulbs in them instead of transistors)
by parsi1
Thu Jan 16, 2014 7:20 pm
 
Forum: Personal Consumer Issues
Topic: Letting go: Classic textbooks
Replies: 54
Views: 3620

Re: Best choice for 100% Stocks?

Target 2060, I know you had 100% stock but this is not too far from 100% stock and probably has the best asset allocation.
by parsi1
Thu Jan 09, 2014 2:07 pm
 
Forum: Investing - Theory, News & General
Topic: Best choice for 100% Stocks?
Replies: 48
Views: 4400

Re: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST

S&P @ 1979

This is my lucky number, The year I immigrated to U.S.
by parsi1
Mon Jan 06, 2014 8:36 pm
 
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST
Replies: 525
Views: 10641

Re: The Funniest Movie Ever

Blues Brothers
and
cheeck and chong - up in smoke
by parsi1
Fri Jan 03, 2014 12:09 am
 
Forum: Personal Consumer Issues
Topic: The Funniest Movie Ever
Replies: 201
Views: 10572

Re: Tips for buying a $2,000 car

Take a look at craigslist in your local area for Mercedes Diesel within that price range. They last forever.
by parsi1
Wed Dec 11, 2013 10:26 pm
 
Forum: Personal Consumer Issues
Topic: Tips for buying a $2,000 car
Replies: 31
Views: 2177

Re: I Know Nothing! Absolutely Nothing!

Hay did you steal my way of thinking. :D I was in the same boat for a couple of years. :oops: Eventually I picked VG target dated 2020 fund and moved all of my money in it over of course of a year. The best decision I ever made. I won't touch or change it until I retire (or even after I retire). :sh...
by parsi1
Fri Nov 22, 2013 10:33 am
 
Forum: Investing - Help with Personal Investments
Topic: I Know Nothing! Absolutely Nothing!
Replies: 29
Views: 3413

Re: How many funds do you have in your portfolio?

Target Retirement 2020 (90%) and Reit (10%), but I am tempted to sell the Reit and make it only TR2020.
by parsi1
Mon Nov 11, 2013 9:11 pm
 
Forum: Investing - Theory, News & General
Topic: How many funds do you have in your portfolio?
Replies: 96
Views: 5757

Re: The Three Fund Portfolio

Vanguard Target dated funds were perfect 3-Fund portfolios until they added the International Bond to the mix. What do you all think about adding the international bond to the 3 fund portfolio? It seems like the international bond has lower yield than the total US bonds.
by parsi1
Tue Nov 05, 2013 2:43 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 742
Views: 256695

Re: Bogleheads' "Rags to Riches" Stories

Wow, I don’t need to check out a book from library this weekend. This is definitely one of the most interesting and insightful postings I have seen after a while and the way it is growing it will provide enough reading for this weekend.
Thanks to all those contributing with their life stories.
by parsi1
Fri Nov 01, 2013 3:03 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads' "Rags to Riches" Stories
Replies: 107
Views: 14123

Re: 2013 Nobel in Economics awarded to Fama, Hansen, and Shi

Basically, their message is: don't try to time the market. There is no way to predict whether the price of stocks and bonds will go up or down over the next few days or weeks. But it is quite possible to foresee the broad course of the prices of these assets over longer time periods, such as, the n...
by parsi1
Mon Oct 14, 2013 3:01 pm
 
Forum: Investing - Theory, News & General
Topic: 2013 Nobel in Economics awarded to Fama, Hansen, and Shiller
Replies: 53
Views: 4691

Re: New cellphone

I am also an old Samsung flip phone pre-paid T-Mobile user.
What is a difference between locked and an unlocked phone?
by parsi1
Fri Oct 11, 2013 11:18 am
 
Forum: Personal Consumer Issues
Topic: New cellphone
Replies: 63
Views: 3605

Re: Difference between 60/40 and 40/60

According to Vanguard's portfolio asset allocation tool, a 60/40 AA has had (in the past, and I know that doesn't mean much going forward) an average return of 8.7%, and a 40/60 AA has had an average return of 7.8% (50/50 was 8.3%.) So am I thinking correctly that when it comes to whether one has 5...
by parsi1
Tue Oct 01, 2013 2:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Difference between 60/40 and 40/60
Replies: 14
Views: 1614

Re: Asset Allocation via Stochastic Dynamic Programming

Target Dated Funds have all of this science behind them and they are also dynamic since they change over time. :D :confused
by parsi1
Mon Sep 16, 2013 9:21 pm
 
Forum: Investing - Theory, News & General
Topic: Asset Allocation via Stochastic Dynamic Programming
Replies: 19
Views: 1901

Re: trip to iran, suggestions?

I have been to Iran for work. I was there for a month or so a couple of years ago. (I am in a rush so I'll write this quickly) Thoughts: - The traffic is unbelievably awful. This is the number one most dangerous terrible thing you will run into constantly. India / China / Latin America are better t...
by parsi1
Sat Aug 03, 2013 5:30 pm
 
Forum: Personal Consumer Issues
Topic: trip to iran, suggestions?
Replies: 25
Views: 3308

Re: Bookshelves

I bought some cheap Walmart book cases for my books many years ago. When I was putting them together I used wood glue at the joints for reinforcement. It made a big difference how solid they stayed together even after several moves. They are still in the basement with the books. My wife didn't want ...
by parsi1
Sat Jul 20, 2013 10:54 pm
 
Forum: Personal Consumer Issues
Topic: Bookshelves
Replies: 26
Views: 2375

Re: (Planned) AA Change consideration - return to 100% equit

Well, I now have a plan that I feel comfortable with. Namely... Return to 100% equities. At 46 move to 96%, 47 move to 92%, until at 55 I've moved to 60%. Then the rule would be age - 15 until age 85 (so maintain 30% after that) Target dated funds do exactly this and you don't have to mess with it ...
by parsi1
Sat Jul 20, 2013 11:41 am
 
Forum: Investing - Help with Personal Investments
Topic: (Planned) AA Change consideration - return to 100% equities
Replies: 36
Views: 2697

Re: Best investment for our two year old son

My kids are 7 and 11 and I have their fund invested in Vanguard Wellington. It is a managed fund with annual fee less than many ETFs.
by parsi1
Wed Jul 10, 2013 7:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best investment for our two year old son
Replies: 15
Views: 1071

Re: Is this a good or bad bet?

With $100,000 initial bet and an Excel random number generator. Heads you gain 170% and tails you lose 70%, after 100 flips of coin you will end up with zero.
Not a good bet.
by parsi1
Tue Jul 09, 2013 8:50 pm
 
Forum: Investing - Theory, News & General
Topic: Is this a good or bad bet?
Replies: 41
Views: 2566

Re: A Portfolio That's as Easy, as One, Two, Three

The allocation they are suggesting from the article: "40% U.S. stocks, 20% international stocks and 40% bonds. That Vanguard portfolio, rebalanced annually, returned an average of 7.14% a year over the last decade" This allocation is very close to the allocation of Vanguard LifeStrategy Mo...
by parsi1
Mon Jul 08, 2013 9:59 pm
 
Forum: Investing - Theory, News & General
Topic: A Portfolio That's as Easy, as One, Two, Three
Replies: 18
Views: 2624

Re: Best asset allocation book to read?

I would also recommend "Personal Finance For Dummies" by Eric Tyson.
I read all the recommended books and eventually settled on Vanguard's Target Dated Fund (2020).
by parsi1
Mon Jul 01, 2013 1:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best asset allocation book to read?
Replies: 21
Views: 1623

Re: What was your worst investment?

Two mistakes, First bought Facebook at IPO :oops: and second (and/or third :confused ) tried to time the market a couple of times.
Advise to myself and others: don’t buy a stock at IPO and don’t try to time the market :sharebeer
by parsi1
Mon Jul 01, 2013 9:41 am
 
Forum: Investing - Help with Personal Investments
Topic: What was your worst investment?
Replies: 100
Views: 7258

Re: Cash at home

I don't believe in firearms that's why I keep a few pepper sprays around the house.
In a situation like that it might be a good idea to have some cash to invest.
by parsi1
Thu Jun 27, 2013 9:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Cash at home
Replies: 56
Views: 4724

Re: digital camera buying advice

I recently bought Canon s110. It takes nice pictures and videos. It is a small point and shot, but has manual control and slightly larger sensor than a regular point and shot.
by parsi1
Wed Jun 26, 2013 4:30 pm
 
Forum: Personal Consumer Issues
Topic: digital camera buying advice
Replies: 36
Views: 3317

Re: Bogleheads Without Avatars

I can't believe it, I have an Avatar. A dream comes true. Wow an Avatar.
Well now we need a better market.
by parsi1
Tue Jun 25, 2013 12:09 pm
 
Forum: Forum Issues and Administration
Topic: Bogleheads Without Avatars
Replies: 197
Views: 13661

Re: Is 3-Fund now 4-Fund with new Int. Bond Fund?

Does anyone know what is the yield on the Total International Bond Fund? Does it add to the annual yield of Target or the lifestrategy funds?
by parsi1
Mon Jun 17, 2013 4:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is 3-Fund now 4-Fund with new Int. Bond Fund?
Replies: 8
Views: 1355

Re: CFP or straight to Vanguard?

I didn't read all the replies sorry if there a repetition. If you are nervous to do it on your own, Instead of paying 1% plus the associated fees for the underlying investment funds, you can go with a managed fund like Wellington with total annual fee of 0.25% and close to 85 years of history and le...
by parsi1
Sat May 18, 2013 11:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: CFP or straight to Vanguard?
Replies: 35
Views: 2069

Re: Books that have actually changed your life, in a way.

"Don't Sweat the Small Stuff--and it's all small stuff"
by parsi1
Wed May 08, 2013 9:46 am
 
Forum: Personal Consumer Issues
Topic: Books that have actually changed your life, in a way.
Replies: 149
Views: 9605

Re: What's the best dandelion killer?

My wife loves Dandelion Tea. They are suppose to be good for you but not your wallet.
by parsi1
Tue May 07, 2013 3:02 pm
 
Forum: Personal Consumer Issues
Topic: What's the best dandelion killer?
Replies: 54
Views: 4131

Re: How do I sell a painting?

The paintings from this artist are very nice. Keep it, may be move it to a different room or location (do you have an office?). You may want to ask your wife if she can suggest a new location for the painting so you can keep it.
by parsi1
Wed May 01, 2013 9:54 am
 
Forum: Personal Consumer Issues
Topic: How do I sell a painting?
Replies: 21
Views: 1542

Re: Did any one see this article [about Target Funds]?

Stocks are at all time high and too risky. Bond prices are high and with near zero interest rates are too risky. Gold is fluctuating 25% to 30% weekly and they are too risky. Real estate is still too slow and too risky. Money under the mattress is too risky. Well over the past 25 years that I have b...
by parsi1
Thu Apr 25, 2013 11:32 am
 
Forum: Investing - Theory, News & General
Topic: Did any one see this article [about Target Funds]?
Replies: 19
Views: 2066

Re: Is today a RBD

Today is a good day for me, I am contributing to 401K since it is a pay day.
A bad day in the market when it is a pay day it is a good day.!!!???!!!
by parsi1
Fri Apr 05, 2013 2:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is today a RBD [Really Bad Day]
Replies: 83
Views: 7828

Re: Can this 24-ETF portfolio be simplified?

If you want to simplify, use a one fund portfolio of a Vanguard life strategy or a Vanguard Target Dated fund, for a more complete/complicated portfolio add Reit. What has been your annual return with the 24-fund portfolio? have you beat any of the bench mark indexes like S&P 500 or you are lagg...
by parsi1
Wed Apr 03, 2013 8:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can this 24-ETF portfolio be simplified?
Replies: 30
Views: 2476

Re: Books to Read. . .

Personal Finance For Dummies by Eric Tyson covers many topics and he is a proponent of indexing.
by parsi1
Mon Mar 04, 2013 10:49 pm
 
Forum: Investing - Theory, News & General
Topic: [Investing] Books to Read. . .
Replies: 12
Views: 1087

Re: Apple @ $2000

Trading individual stocks are only good for guys like Al, that can get their hands on $7.5 apples. The rest are better off with low cost index funds.
Did I ever mention that I lost thousands and thousands of $$ during tech bubble/burst.

http://www.cnbc.com/id/100390789
by parsi1
Thu Jan 24, 2013 1:27 pm
 
Forum: Investing - Theory, News & General
Topic: Apple @ $2000
Replies: 60
Views: 5123

Re: Another person attempting a David Swensen portfolio

What is wrong with your current portfolio?

Current retirement assets
Taxable $0
401k and Tax deferred accounts About $400,000
- 70% Vanguard Total Stock Market Index Fund
- 30% Vanguard Total Bond Market Index Fund - VBTIX
by parsi1
Thu Jan 24, 2013 12:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Another person attempting a David Swensen portfolio
Replies: 10
Views: 2149

Re: Thinking of moving to Switzerland

LiamLC wrote:
Politcal:
I don't agree with their government on everything (this isn't a con, it's more of a reality)



if you don't agree with their government on anything, it will be hell living there for you.
by parsi1
Thu Jan 17, 2013 11:22 pm
 
Forum: Personal Consumer Issues
Topic: Thinking of moving to Switzerland
Replies: 60
Views: 3381

Re: "FOREVER" Vanguard Index Fund Portfolio Allocation Strat

Take a look at these three funds, you don't even need to rebalance

Vanguard LifeStrategy Conservative Growth Fund (VSCGX)
Vanguard Target Retirement 2010 Fund (VTENX)
Vanguard Wellesley Income Fund Investor Shares (VWINX)

Good Luck, and enjoy your retirement.
by parsi1
Thu Jan 17, 2013 10:52 am
 
Forum: Investing - Help with Personal Investments
Topic: "Forever" Vanguard Index Fund Portfolio Allocation Strategy
Replies: 26
Views: 4087

Re: Using REITs in a lazy portfolio

This was actually a good post and interesting discussion. If some people find it excessive they don’t have to read it. They can go ahead and read the threads about movies, cars or Women's Working Cloth. I was struggling with the same issue for a while, a three fund portfolio plus REIT. I finally set...
by parsi1
Wed Jan 16, 2013 11:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Using REITs in a lazy portfolio
Replies: 24
Views: 2367

Re: Is it proper to feel "loyalty" to Vanguard?

It pays better to be part of a not-for-profit bank or investment firm. Since Vanguard don’t want to show EPS at the end of the year, their fees will be lower. It is similar to having your savings in a credit union. I am happy with Vanguard and their options, even their managed Funds have the longest...
by parsi1
Fri Jan 11, 2013 12:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it proper to feel "loyalty" to Vanguard?
Replies: 37
Views: 3210

Re: Missing 2 cents

When you do a wire transfer there are losses, it is called friction. It becomes heat and dissipates in to atmosphere. That is where most of the global warming is coming from in recent years, because of too much money being transferred to Vanguard.
by parsi1
Fri Jan 04, 2013 3:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Missing 2 cents
Replies: 12
Views: 801
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