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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?

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...

"Don't Sweat the Small Stuff--and it's all small stuff"

My wife loves Dandelion Tea. They are suppose to be good for you but not your wallet.

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.

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...

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.!!!???!!!

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...

Personal Finance For Dummies by Eric Tyson covers many topics and he is a proponent of indexing.

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

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

Yes please read the attached link.

http://finance.fortune.cnn.com/2012/02/ ... er-letter/

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.

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.

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...

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...

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.

It is possible that your asset allocation don’t match your risk tolerance and that is why you get tempted to pull money out of the market.
You may have to think about a more conservative asset allocation to make you more comfortable with your investment (you will also sleep better at night).
Good Luck

I also sometimes get tempted to do the same thing selling everything and staying on the sideline. But then I think, if I am such an expert in predicting the market direction why do I wake up in the morning and go to work. I can stay home and make bucket full of money every day. That quickly changes ...

S&P @ 1604.46

Up 12.5%

what is my prize and when do I get it?

If you want a one fund solution take a look at target dated funds or lifestrategy funds, you can pick the one that works the best with your risk tolerance.

Thanks for all the help and replies.
My understating/(or misunderstand) was that I always thought dividend is like interest on you investment. I didn't think that dividend reduced the company or mutual funds net asset so the stock should drop for the same amount. thanks for clearing that.

Sorry, but where is the advantage of all these divided reinvestment that we have been hearing. The net asset stays the same before and after the dividend distribution. So you don’t have any gain due to the dividend?

The distribution is suppose to be dividend, dividends are not suppose to bring the net asset down. If the net asset remain the same after the distribution, what happened to the dividend

I am invested in vanguard Target 2020, while the total market fund has a drop of 1.2% and total international fund had a drop of less than 1%, Target 2020 had a drop of 2.72%.
Does any one know what the reason is for such a big drop?
Thanks

Does anyone know why the distribution of Vanguard's Target dated funds are annual? The core components have monthly or quarterly distribution. Also Life Cycle Funds, with the same composition, have semi-annual distribution.
Why TR funds should be annual?
Thanks for the inputs.

What kind of TV antena do you all use to get free HD from air? can you please post a link to a site like amazon that sell that kind of antena.
Thanks

If you have the investment option take a look at TR2025 (TR=Target Fund)

I like my $10/month cell phone plan and invest the rest in my 401K. I have an old flip-type-of-phone.
When a phone company offer an Iphone plan for $10/month I may consider one.
Best of luck and joy to Iphone users.

I have a similar setup under my 401K, that is why I moved into a Target Retirement (2020) so I don’t have to pay transaction cost to rebalance. My core retirement is in a low cast index fund and then once a year I move my funds to TR2020 and pay the transaction cost. Take a look at vanguard Target r...

Do not overwhelm yourself with financial news.

Listen to Cramer, do the opposite.

Does anyone know how the asset allocation of Vanguard target dated funds change over time?
I am in TRD2020, what will be the stack/bond allocation in 2020 and 2025?
Thanks

I agree 100% with “adave”, his statement is completely true in my case as well. Since a year ago I tried to time the market by shifting money between different funds. Finally recently, after help and inputs from Bogleheads, I switched to TRD2020. This has been the best move I have made and I will st...

I have been a member for a short time and have just a few posting. But during this short time I have become a Bogle-Addict. I don’t work much anymore, I don’t eat much. I don’t watch TV and I have not taken the kids or the dog for a walk recently. All I do is read Bogleheads.Org. My wife is sick and...

Thank you all for your time and inputs.

I saw a chart comparing several Vanguard funds that included Wellington in this forum yesterday. Wellingtont was performing very well. Actually if you use the Vanguard site and compare Wellington against Moderate Growth Life Cycle Fund, STAR, Ballanced Index or Target 2025, Wellington does better in...

I didn’t know if I should start a new reply or edit my original post. Thanks for all the comments, I have also a Roth IRA with Vanguard but I try to move everything together and keep the same portfolio in all the accounts. It is simpler to manage. Vanguard’s total international fund is 57% Europe an...

This is the allocation I came up with since I am not optimistic of the Eurpean mess and trying to avoid it as much as possible.

Vanguard balanced index fund(Vbinx) 75%
Vanguard emerging market (VWO) 12.5%
Reit (VNQ) 12.5%

I am 52 years old.
Thanks