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That article is a great example of not defining the purpose of the article or knowing your audience. I think the author's real goal was to show how smart he is rather than communicate something useful. I'm guessing he just received his PhD and still thinks he's writing his thesis. The article ramble...

Keith, I think we can restore your faith in the gurus. From the article... When you're young, you can't be too aggressive when buying mutual funds that invest in stocks. But by the time you reach an older age and your paycheck stops, you need reliable sources of income to pay your bills. This transi...

If an active manager isn't willing to put their skin in the game, why isn't that significant? The fund is sold on beating the market hype. An active manager that isn't willing to risk a significant portion of their assets on their own fund, makes me believe they don't believe their own strategy is ...

I don't see any significance in what the manager is doing.

Paul

Welcome to the forum, Please post the fund names and your current overall asset allocation. Here's a link to the suggested posting format: http://www.bogleheads.org/forum/viewtopic.php?t=6212 Don't include the 529 in your retirement portfolio. At first glance, it looks like you have too many funds t...

For me, it was about experience. I started investing right before the 2000 collapse when I didn't really have the money to lose (which meant I shouldn't have invested). Of course, I lost a good portion of that money. I didn't invest again for almost a decade, just in time to hit the next down turn....

This is a very old thread but I thought I would point out BRUFX made the current Forbes Mutual Fund Honor Roll list. http://www.forbes.com/sites/baldwin/2013/05/08/the-forbes-mutual-fund-honor-roll/ Fortunately for me :happy, this fund is not available at Fidelity or Vanguard, the two brokerages I ...

Forgive me I'm an unsophisticated investor...equities are "overvalued" and bonds are in a "bubble", so where's my money supposed to go at present? John, sorry your question was ignored. Without knowing what you're holding, I'd say you should stick with your chosen asset allocati...

cwenger, I second grabiner, your fund is not very tax efficient, so that's going to cost you some of the return each year. I also agree that you have to look at your total portfolio as one and make sure it is diversified and efficient as possible.


Paul

I am also considering dividend paying stocks but for an entirely different reason. My thought there us that if the stock declines in value I still have the dividends . I am 66, working, have a portfolio of about 50% stocks , 40 bonds 10 cash. No plans to retire. When I do, I need the bond portion n...

Thank you, Jack and happy birthday...

Here's tae us
Wha's like us...and I'm sure you know the rest!

Rabbie Burns,

Paul

Seems to me that active managers have known this all along. After all, profitability has always been a major criterion for stock selection. Larry, I think that investors like the 3 factor model--it is elegant and makes sense in explaining ~90% of returns. When you add momentum it sounds a bit like r...

My gf and I are looking at places currently and looking to pick up a duplex then rent out the other side. If you mean you are going to buy property with your gf as co-owner, don't do it! You should be owner or wait until you're married to add her name. I agree on getting your Roth fully funded this...

Thanks, looks like an interesting read.

Paul

http://news.morningstar.com/articlenet/SubmissionsArticle.aspx?submissionid=169955.xml could somebody who is knowledgeable about finance look at this and explain what he's saying Sure, he's saying we have no idea what's going to happen, so we are throwing it at the wall and we'll see what sticks. C...

vpotus, you have not convinced me that you can do this transfer. The transfer is not up to Vanguard, it's up to your current employer. I assume you read the article provided by Barry. One other thing, even if your company approves a transfer, if it isn't done according to IRS rules, it will be a tax...

Khalestorm wrote: Allocations: stock U.S. (50%), stock international (20%), and bond (30%) sound like good allocations? I'm 30 y/o, prob retire around 60 y/o. Also wrote: schuyler74 wrote:Vanguard holds its 2045 Retirement fund as follows: 63.3% Total US Stock Market 26.6% Total Int'l Stock Market 1...

The best you can do is figure out how to get your mom to listen to you and to see another advisor. By advisor I am sure that is meant to be one that she is paying by the hour that is willing to give a clear written statement that they are not getting any other compensation. Yes, you're right, I sho...

Let's not forget that 10 year forecasts are made every year. GMO does them every quarter! Normal market times... Here is what William Coaker, CFP, CIMA, says you will encounter in your investment journey: From 1926 to 2004, the S&P 500 rose between 8 percent and 14 percent in only six years, an ...

Soccerman, I think you're going to have a very tough time with this advisor. These guys are trained to dodge tough questions, and your mom seems to have confidence in him. That being said, the portfolio is very high risk, at least the half in REITS. We normally recommend about 15% of equity in REITs...

Last Thursday I pulled the trigger and liquidated all of my mutual funds in both the 457 and the Roth. I'm up about 40-50K over the last 6 years, and I just couldn't bear to be the idiot holding on tight during the next reversal. I decided to lock in my gains and hold my funds in cash until I see a...

Welcome, I have to say your grand entrance to the forum was a stunner. I'm wondering why you chose the Bogleheads to make this announcement since we do not advocate timing, especially to the degree you did it. Timing is considered a major investor behavioral mistake. I appreciate your honest respons...

Looks impressive! Even if let us say there are some costs that this chart does not account for like taxes on capital gains distributions and some sales costs or whatever, and the chart is lower than in the figure, would it not be still higher than the index? I would have taken that! Maybe, I should...

Pkcrafter.....Maybe this will help you understand the way I look at this.In your own words you said at the beginning you were told to read and learn and not base your decisions on past results.In my mind when you read and learn you are of course looking at market history and how managed funds and i...

I guess we did not convince you, but the facts don't change. The beauty of indexing is you will do better than ~80% of investors over a 20 year period, and past returns simply validate the strategy--they don't provide the reason why the strategy works. If you fully understand the reason why they wor...

Hoops wrote: Pkcrafter....Your point about mathematical certainty.The only certainty with an index is that you will have low cost,lower taxes and diversification of the market.The return is not a certainty and it can be 10% up or 10 % down over the next 20 years. It appears you did not read the sugg...

hoops and others, I applaud you for asking these questions. Bogleheads must be able to explain their investing method. hoops: I know it is a big deal to ever own something based on past performance but isn't the entire Boglehead philosophy based on past performance? No, past performance is not neede...

Welcome to the forum. 1. Currently, I changed my 401k contribution to 100% bonds since S&P 500 has been hitting record highs. Is that the right strategy? or Should I setup specific asset allocation and not adjust it no matter how market is doing? You should set an asset allocation and stick with...

Just so we cover everything that's wrong-- C class shares are available with no front end load, and no back end load if i keep it for over a year. You, or he, makes this sound like a good deal, no front or back end load, BUT this advisor is giving you no deal. C shares are by far the worst because t...

Bought some VT this morning.

Oh, no, market drop tomorrow.

Paul

Welcome to the forum. The first thing you should do in nothing... By that I mean you have a lot to straighten out, but it could prove costly in both time and money if not done correctly. Two good resources to ramp up on the learning curve are: White Coat Investor, a blog run by Emergdoc, a forum mem...

Oh, and what's odd about the OP is, he/she says nothing about the split of that $200K between equities and non equities. ... Yes, that's why I have asked if he/she has determined an asset allocation, and one based on risk tolerance and capacity. Boggler has said he wants 100% stock (VT) and also wa...

I think your advice is good. Does friend's husband have a company plan? The first thing they should do is each contribute $5500 to an IRA or Roth, then maybe fund the 401k. The Federated fund, FMXKX, is labeled as a mid cap fund, but the size is 58B, so it's clearly large cap. It might be something ...

154 posts, but you don't seem to have any idea what Bogleheads are about. You want 100% stock and now you want to borrow against it. You seem to be pretty determined to get yourself into deep financial trouble. I don't mean to sound harsh, but you are so far off the track that some kind of comment i...

From what I've read, high-yield bonds tend to hold up well in rising rate environments. There are many references supporting this on the web--here's one from PIMCO. In a rising rate environment, as would be expected in the recovery phase of the economic cycle, high yield bonds would be expected to o...

You might review this site. Maybe you can purchase direct from one the the listed companies. http://www.incomesolutions.com/InstPricing.aspx This site is recommended by Paula Hogan in this article (pg 3): http://www.advisorone.com/2013/04/29/investing-for-a-lifetime Please repost if you find you can...

With that in mind, is it better to take your yearly distributions in May as opposed to spread out thru the year. Does dollar cost averaging apply here? I learned this from Taylor Larimore--Take distributions near the end of the year, that way the IRS holds taxes for a minimum amount of time. Also, ...

I'm looking for ideas on what to do with my TSP account. I currently have a tsp account with around 10,000 in it. Recently after reading Bogleheads investing book i have opened a Vanguard Roth IRA and have began to invest into their 2055 mutual fund. My goal is to max out my IRA contributions every...

Why is there an $8.95 fee for trading NO transaction Fee Mutual Funds,after my 100 free trades are used up? Wells Fargo's answer: Once you have used all 100 commission-free trades in a WellsTrade brokerage account linked to a Grandfathered PMA Package, you are assessed a $8.95 commission fee therea...

Thanks Bobcat for an excellent article. Paula Hogan is well worth listening to.


Paul

gkaplan wrote:You're bumping a year-old thread.

Yes, but it's actually a six year old original post, and it's timeless and worth discovery by newer members.

Thanks again, Robert.


Paul

My previous choices were not really great but not that bad E/Rs were a bit higher than I am used to with my Vanguard R-IRA and taxable account If your choices were just a little higher than Vanguard, you had a very good plan and the company was probably paying administrative costs. The company migh...

What kind of business and how much would the loan be?

Paul

Portlandhead, I may have missed this, but what did you take out the 150k loan for--home purchase, or was it wife's personal loan? Is it secured? You said you have 50k set aside in riskless or low risk assets in taxable to pay the loan in 2023, but there isn't 50k in low risk assets there. In fact, t...

It's a proprietary fund (not good) and your friend is probably paying for a wrap fee. Who's the advisor? Really doesn't matter, it's definitely the wrong way to go.

Paul

I've tried to tweak the portfolio a bit to make it more tax efficient. I contribute significantly to my brokerage account monthly and so that account must hold all types of funds in order to maintain balance within the entire account. Is there another way to maintain balance within the portfolio wh...

Your AA look about right, and yes, the TR funds are too aggressive for most people.

Next, you need to focus on getting your portfolio efficient.

Paul

You want to drop an investment with a risk rating of about 3 for a less risky one with a risk rating of about 7? How does that make sense? The bond duration of Wellington is 6.5, which suggests the bond portion will drop about 6.5% for each 1% rise in interest rates. If you do anything, use individu...

megaluke wrote; 1. Should he take all the money out of his IRA, pay the taxes on it(28% bracket), then take the remaining money and put it in a taxable account so he can invest further in it. I will only assume once he starts taking his RMD's there will not be much growth to his account. This would ...

Looks like there are four classes of this fund. The 0.45% is class IV. That would be the total charge. There is no charge for funds within the TR fund. http://www.schwabbankfunds.com/public/sbf/home/target_date/smrt_2050 I don't see a ER of 083% in the link I provided, but there is a 0.89, so maybe ...