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by red5
Tue May 26, 2015 5:15 am
Forum: Investing - Help with Personal Investments
Topic: A Lesson [in Portfolio Simplicity]
Replies: 8
Views: 1246

Re: A Lesson [in Portfolio Simplicity]

Keep in mind that your personal performance results are likely to include the effects of your additional contributions and withdrawals throughout the years while the results of the Life Strategy fund do not. The Life Strategy returns that you see are based on "one-time investments" made 1,...
by red5
Sat May 23, 2015 5:45 am
Forum: Personal Finance (Not Investing)
Topic: Not able to max out all the retirement accounts
Replies: 69
Views: 3891

Re: Not able to max out all the retirement accounts

yellowgirl, Keep your chin up. Take a few days to relax out of this state of mind. Everything is going to be A-Okay. Trim your monthly expenses is my advice. As others have mentioned there is a bias in who reports their income and savings on this board. We all read about the higher earning and highe...
by red5
Thu May 21, 2015 9:45 am
Forum: Investing - Help with Personal Investments
Topic: Article on Drawdowns (the real returns)
Replies: 17
Views: 1098

Re: Article on Drawdowns (the real returns)

While the above math is, of course, correct, I do have a quibble. The quibble is that in reporting investment performance in the market it is conventional for average return to already mean the compound average growth rate, so the compounded volatility is already taken into account. It is completel...
by red5
Thu May 21, 2015 8:33 am
Forum: Investing - Help with Personal Investments
Topic: Article on Drawdowns (the real returns)
Replies: 17
Views: 1098

Re: Article on Drawdowns (the real returns)

As a side note it is interesting to see those figures in inflation adjusted terms. If one looks at a "growth of" chart at Morningstar the S&P 500 nearly doubled over those dates while according to the OPs figures from the article the S&P 500 only grew to $138,000...not even close t...
by red5
Thu May 21, 2015 7:46 am
Forum: Investing - Help with Personal Investments
Topic: Article on Drawdowns (the real returns)
Replies: 17
Views: 1098

Re: Article on Drawdowns (the real returns)

(update) It looks like the year 2001 data might be off? The final total should be $89,870. This changes the end value to $138,700 instead of $132,900. By the way, you are not really supposed to copy and paste articles. You should create a link instead with maybe a summary so people know what you are...
by red5
Mon May 18, 2015 11:18 am
Forum: Investing - Theory, News & General
Topic: Benchmarking - Do you and what is your reference?
Replies: 13
Views: 736

Re: Benchmarking - Do you and what is your reference?

I'm benchmarking my portfolio performance using M* data for YTD, 12 month, 3 year, 5 year and 10 year performance. S&P500 in the same percentage as portfolio equities, Total Bond Market in the same percentage as portfolio bonds and same/same cash. AA has remained within reason constant over the...
by red5
Mon May 18, 2015 8:31 am
Forum: Investing - Theory, News & General
Topic: What's so great about simplicity?
Replies: 117
Views: 8425

Re: What's so great about simplicity?

"Investing is simple. To be sure, you can make it ludicrously complicated." ... "Best of all, a simple portfolio allows the investor to spend more time with family and friends." ~Jonathan Clements. Not sure I quite agree. A more complex portfolio of index funds can easily be man...
by red5
Thu May 14, 2015 5:00 am
Forum: Personal Finance (Not Investing)
Topic: Where does everyone stand [Portfolio holdings]
Replies: 16
Views: 2987

Re: Where does everyone stand

mule wrote:Thanks and very interesting. I'm not as wealthy as I thought I was! Thanks


I would be careful making any comparisons using the 2015 net worth poll...In fact I would be hesitant to make comparisons period. That poll is not exactly representative.
by red5
Tue May 12, 2015 9:00 am
Forum: Investing - Help with Personal Investments
Topic: 529 plans- Are they part of your overall A.A?
Replies: 22
Views: 1109

Re: 529 plans- Are they part of your overall A.A?

I just posted my entire portfolio last night- see post "Portfolio advice- especially with TIAA Real Estate" I am also wondering about 529 Plans. Are these considered part of your overall Assett Allocation? I have a 1 year old and 3 year old- so it will be quite some time before the money ...
by red5
Wed May 06, 2015 9:19 am
Forum: Personal Finance (Not Investing)
Topic: escrow increase...
Replies: 28
Views: 1866

Re: escrow increase...

I'm curious why you chose to go with escrow. All you're doing is lending money to the mortgage company ahead of time which they will eventually use to pay your taxes and insurance. Did they offer an exceptionally high interest rate on the escrow account? Sometimes one is not given the choice, at le...
by red5
Tue May 05, 2015 6:41 am
Forum: Investing - Help with Personal Investments
Topic: How do you keep track of your investments?
Replies: 48
Views: 3011

Re: How do you keep track of your investments?

I use Excel. It takes a while to set up but once set up it is pretty easy to maintain.

However, Morningstar has an excellent and free portfolio manager tool that is also easy to maintain.

Morningstar Portfolio Manager
by red5
Mon May 04, 2015 8:25 am
Forum: Forum Issues and Administration
Topic: Polls Disabled
Replies: 60
Views: 3577

Re: Polls Disabled

It was always impossible to conduct a good poll on this site. That people like yourself could feel otherwise is an important reason I felt it necessary to cut them off. That is a pretty high-handed statement. You make some valid points but you do not seem to be considering the equally valid stateme...
by red5
Mon Apr 27, 2015 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Savers Credit preparation for 2015
Replies: 17
Views: 1448

Re: Savers Credit preparation for 2015

I don't believe the Saver's Credit is refundable, is it? Meaning it would only reduce your tax liability to $0.00. You would not get the extra $200 in the form of a refund. http://www.irs.gov/uac/Get-Credit-for-Your-Retirement-Savings-Contributions http://www.investopedia.com/articles/retirement/04/...
by red5
Sun Apr 26, 2015 4:40 am
Forum: Personal Consumer Issues
Topic: 25 year old baseball cards and coins worth anything?
Replies: 16
Views: 3212

Re: 25 year old baseball cards and coins worth anything?

I recently browsed through my old collection from the late 80's and 90's. I found a few cards that at the time I thought would be worth money someday. They aren't worth anything (I looked up cards on E-Bay to see what they were selling for). Maybe in another 50 years.... Okay, when I was young I did...
by red5
Thu Apr 16, 2015 6:59 am
Forum: Personal Finance (Not Investing)
Topic: Poll: Effective average Adjusted Livesoft tax rate?
Replies: 67
Views: 5306

Re: Poll: Effective average Adjusted Livesoft tax rate?

<80k, -18% if I did everything correctly.
by red5
Mon Apr 13, 2015 6:44 am
Forum: Investing - Help with Personal Investments
Topic: Moving away from VGSTX
Replies: 4
Views: 981

Re: Moving away from VGSTX

If you are pretty sure you want to use this money for a house down payment in the next few years, you might want to start moving it to cash to be sure it does not drop in value when you need it. Yes, if you are going to use this in the next few years then I would also recommend putting this money i...
by red5
Sat Apr 11, 2015 6:34 am
Forum: Local Chapters and Bogleheads Community
Topic: Favorite Boglehead Avatar?
Replies: 89
Views: 5334

Re: Favorite Boglehead Avatar?

ANC wrote:The Monarch Butterfly.

I don't always have time to read much on this list, but if I see the butterfly on the right, I know it will be worth my time.


+1
by red5
Thu Apr 09, 2015 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: Accrued dividends: What happens when you sell?
Replies: 8
Views: 1066

Re: Accrued dividends: What happens when you sell?

Does it differ when one sells a bond ETF versus a bond mutual fund? I believe I once sold a bond mutual fund and received a paper cheque in the mail and another time I sold a bond ETF but did not receive anything (i.e. the dividend was baked into the nav).
by red5
Wed Apr 08, 2015 7:37 am
Forum: Investing - Help with Personal Investments
Topic: Best way to track my personal historic return?
Replies: 6
Views: 771

Re: Best way to track my personal historic return?

For simplicity you could choose a fund of funds to use as the benchmark. Vanguard's retirement or life strategy funds would do the trick. Just pick the fund that you want to use as a benchmark. As someone previously mentioned, the internal transactions would not matter (selling fund A and purchasing...
by red5
Tue Mar 24, 2015 7:51 am
Forum: Investing - Help with Personal Investments
Topic: Passive Investing w/Vanguard
Replies: 9
Views: 1337

Re: Passive Investing w/Vanguard

So far I have my age in % bonds. rest is stocks. If I do this new vanguard investment, I would have more % stocks than before, obviously. I don't know the %, I would have to calculate how much would I have by the end of the year or something... However, thinking of tax efficiency on a taxable accou...
by red5
Tue Mar 24, 2015 4:18 am
Forum: Investing - Theory, News & General
Topic: Get rid of PMI or Max out 401K?
Replies: 13
Views: 1341

Re: Get rid of PMI or Max out 401K?

I'd at least contribute enough to the 401k to obtain all of the employer match, if there is one.
by red5
Tue Mar 24, 2015 4:12 am
Forum: Investing - Help with Personal Investments
Topic: Passive Investing w/Vanguard
Replies: 9
Views: 1337

Re: Passive Investing w/Vanguard

kravist wrote:thanks so much guys...


kravist, do you have an asset allocation / plan that you are following? Will these new investments with Vanguard fall in line with your current investments / plan and your desired asset allocation?
by red5
Tue Mar 24, 2015 3:54 am
Forum: Investing - Help with Personal Investments
Topic: How will my upgrade to "Voyager status" work?
Replies: 6
Views: 1162

Re: How will my upgrade to "Voyager status" work?

I'm 23 years old and I should be able to move enough assets into my vanguard account to break the $50,000 limit in combined IRA/Taxable/401k with in the next few months. How does this process work? If I call them will that accelerate it? I know these may be dumb questions and I know I'm kind of poo...
by red5
Sun Mar 22, 2015 4:53 am
Forum: Investing - Theory, News & General
Topic: Should I invest my emergency fund?
Replies: 71
Views: 7134

Re: Should I invest my emergency fund?

I have about 9-months invested 40/60 in a taxable account. I have done this for about the last 4 or 5 years. I have done this despite the vast majority (in here and elsewhere) saying emergency money should be kept safe and in a plain vanilla savings account. I have done this being aware that I could...
by red5
Sat Mar 21, 2015 4:11 am
Forum: Personal Finance (Not Investing)
Topic: Why I don't file early
Replies: 35
Views: 3580

Re: Why I don't file early

jebmke wrote:I just received a revised Vanguard Brokerage Statement.

Reason #502 to wait and file taxes as late as possible.


I'm wondering if you might share what they corrected and if it is something that could have been an error on other's Vanguard brokerage statement?
by red5
Fri Mar 20, 2015 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: Boglehead Portfolio
Replies: 3
Views: 445

Re: Boglehead Portfolio

Target Date 2055

or

10% Stable Value or Core Bond or ...
60% S&P 500
30% International Large Cap index


That is what **I** would personally do, I think.
by red5
Thu Mar 19, 2015 11:02 am
Forum: Investing - Help with Personal Investments
Topic: 32, New to investing, No retirement fund, Advice Please
Replies: 24
Views: 2024

Re: 32, New to investing, No retirement fund, Advice Please

This is the book that I really enjoyed. http://www.amazon.com/Bogleheads-Guide-Investing-Taylor-Larimore/dp/1118921283/ref=sr_1_1?ie=UTF8&qid=1426780845&sr=8-1&keywords=bogleheads+guide+investing The Vanguard retirement funds are top notch. If in an IRA of some kind they are all you woul...
by red5
Thu Mar 19, 2015 5:22 am
Forum: Investing - Help with Personal Investments
Topic: Single father Needs help on retirement portfolio (o)(o)
Replies: 14
Views: 1802

Re: Single father Needs help on retirement portfolio (o)(o)

I'm writing this mostly for a bump. Your funds look good to me. One possible suggestion is to clean up / simplify some of your accounts a bit. For example, in one of your accounts you no longer contribute to you could hold only bonds in it. In another account you could hold only REITs, etc. You woul...
by red5
Wed Mar 18, 2015 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: How often to rebalance?
Replies: 9
Views: 912

Re: How often to rebalance?

I found this to be interesting and informative. It is worth the time to read in my humble opinion.

http://www.tdainstitutional.com/pdf/Opportunistic_Rebalancing_JFP2007_Daryanani.pdf

Of course future results may differ from past results...
by red5
Wed Mar 18, 2015 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: how often do you check performance?
Replies: 70
Views: 5048

Re: how often do you check performance?

Once a week every week I update my spreadsheet with prices. It has never led to any issues. I have never panicked, sold, bought, transferred, or anything else because of what I see. I have never felt bad because of a declining portfolio value but perhaps being decades away from retirement helps that...
by red5
Wed Mar 18, 2015 8:24 am
Forum: Investing - Help with Personal Investments
Topic: Too good to be true? vgenx or vgpmx
Replies: 25
Views: 3093

Re: Too good to be true? vgenx or vgpmx

Sector funds are not needed. In fact, Jack Bogle has stated an investor could never own a sector fund and be just fine. What's up with that? I just read in Money that if I invest in last year's worst performing S&P 500 sector, I could trounce the S&P 500 over time. :) Or the S&P 500 cou...
by red5
Wed Mar 18, 2015 4:56 am
Forum: Investing - Help with Personal Investments
Topic: 3 questions on tax deferred accounts
Replies: 4
Views: 752

Re: 3 questions on tax deferred accounts

The differences between 45-55 and 60-40 may not be all that dramatic. If you are two years away from retirement perhaps you want to be a bit conservative? Something like 50-50? Easy to remember. It is perfectly fine to have different AAs within your accounts. It is your portfolio wide AA that really...
by red5
Wed Mar 18, 2015 4:38 am
Forum: Investing - Help with Personal Investments
Topic: Three fund portfolio in tax-advantaged account
Replies: 2
Views: 388

Re: Three fund portfolio in tax-advantaged account

I would personally fill up my traditional IRA with bonds. If there were any room left over then fill up the rest with either Total US or Total International. If you do not have enough room in your traditional IRA for bonds then put the remaining bonds in your Roth IRA. Fill up your Roth IRA with wha...
by red5
Tue Mar 17, 2015 12:02 pm
Forum: Investing - Theory, News & General
Topic: Any Vanguard Balanced Index Fund Diehards
Replies: 24
Views: 3157

Re: Any Vanguard Balanced Index Fund Diehards

It's a great fund in a tax-advantaged account. If you are comfortable with 60/40 then go for it. I personally don't use it but not because it is not a good fund. I have other reasons. Do what is right for you and don't worry about how others invest. You needn't seek the approval of the Boglehead's &...
by red5
Tue Mar 17, 2015 5:20 am
Forum: Investing - Help with Personal Investments
Topic: Need Your Advice on Which Funds or ETFs
Replies: 2
Views: 400

Re: Need Your Advice on Which Funds or ETFs

Are you just looking for funds that kind of match up with what you currently have? Anyways, I use Vanguard so the few funds that I will suggest are Vanguard funds. 1. VTSAX - Total US Stock market VTIAX - Total International stock market VBMFX - Total Bond market That is all you would need. Total wo...
by red5
Mon Mar 16, 2015 9:49 am
Forum: Investing - Theory, News & General
Topic: John Bogle's Don't Peek Challenge
Replies: 149
Views: 13480

Re: John Bogle's Don't Peek Challenge

What is wrong with peeking often if it does not come with any negative consequences? For me this "challenge" would just cause me worry as it would give me a sense of uncertainty of some wrong doing happening to my investments. Peeking often gives me peace of mind. I also like knowing how m...
by red5
Sat Mar 14, 2015 2:46 pm
Forum: Personal Consumer Issues
Topic: do you like vanguard's new web site?
Replies: 9
Views: 1199

Re: do you like vanguard's new web site?

It is not really any different in my humble opinion. I suppose I don't poke around that much though.
by red5
Tue Mar 10, 2015 12:35 pm
Forum: Investing - Help with Personal Investments
Topic: How many really understand how investing works?
Replies: 37
Views: 3340

Re: How many really understand how investing works?

rocko wrote:^ Wow


Don't let it wow you too much, I'm trailing the Vanguard 2045 retirement fund when taking into account purchase sums and dates :happy
by red5
Tue Mar 10, 2015 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: How many really understand how investing works?
Replies: 37
Views: 3340

Re: How many really understand how investing works?

^ SMART! Taylor: Thank you so much for the link. And for those of you willing to share... how do my overall returns of 5.6% (ten years)/7.5% (five years) compare to yours? I'll share with the knowledge it is comparing apples and oranges (or perhaps it is red delicious and granny smith)... 7.5% ten ...
by red5
Tue Mar 10, 2015 6:35 am
Forum: Investing - Help with Personal Investments
Topic: How to invest $400 in Vanguard Retirement 2060?
Replies: 23
Views: 1750

Re: How to invest $400 in Vanguard Retirement 2060?

Just go on line to vanguard.com, follow the steps, and open an account. It is easy. I think there is a minimum that will not allow him to open an account with $400. I think you would need at least $1,000 to open a Vanguard account. OP, not sure that you will find any brokerage that will allow you t...
by red5
Tue Mar 10, 2015 6:32 am
Forum: Investing - Help with Personal Investments
Topic: STAR Fund vs Schwab VTSAX ETF
Replies: 11
Views: 639

Re: STAR Fund vs Schwab VTSAX ETF

There are plenty of questions to ask yourself before going ahead and investing that $1,000. Will you have any income at all this year? You need income in order to contribute to an IRA. Did you have any income last year? If so, that $1,000 could be used as last years IRA contribution assuming you did...
by red5
Mon Mar 09, 2015 1:04 pm
Forum: Investing - Theory, News & General
Topic: Poll: Increasing international equities
Replies: 70
Views: 5566

Re: Poll: Increasing international equities

Thank you to everyone who provided a response to the poll and to those who took the time to write a reply. I was not expecting 18% to increase and another 6% to at least contemplate it but perhaps there is a bit of bias in the poll as well. Thanks!
by red5
Fri Mar 06, 2015 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: Stupid Question from a Finance Newcomer
Replies: 6
Views: 375

Re: Stupid Question from a Finance Newcomer

Vanguard is a fine company to invest. There are others but I use Vanguard. Try vanguard.com or personal.vanguard.com Consider building your emergency fund inside of a Roth IRA, but use some ultra-safe investing fund. Otherwise use a savings account. In the meantime, read read read. Bogleheads has an...
by red5
Fri Mar 06, 2015 8:49 am
Forum: Investing - Theory, News & General
Topic: Too late to invest in Health Care Fund?
Replies: 56
Views: 4478

Re: Too late to invest in Health Care Fund?

If you own something like Total Stock Market then you already own all those health care stocks. What you are really thinking of doing is over-weighting those health care stocks. Just because those health care stocks may have done great in the past X years does not mean they'll do that great in the n...
by red5
Thu Mar 05, 2015 7:41 am
Forum: Personal Finance (Not Investing)
Topic: Check your HSA Bank Statement!
Replies: 20
Views: 3401

Re: Check your HSA Bank Statement!

I personally think it's a good idea to check ALL accounts on a frequent basis. I have caught a few mistakes by doing so.
by red5
Thu Mar 05, 2015 7:30 am
Forum: Investing - Theory, News & General
Topic: Poll: Increasing international equities
Replies: 70
Views: 5566

Re: Poll: Increasing international equities

digarei wrote:The evident lack of unanimity among respondents in this thread regarding the reason(s) for "staying the course" or adapting their international allocation tells me that, as in so many other aspects of investing, there is no one right answer.


100% agree.
by red5
Wed Mar 04, 2015 10:50 am
Forum: Investing - Theory, News & General
Topic: Poll: Increasing international equities
Replies: 70
Views: 5566

Re: Poll: Increasing international equities

I increased international equity exposure about 5 or 6 months ago from 30% to 40% of total equity. There is no option offered for those who have already done so. Garland Whizzer You are right concerning those who had already done so. In this case, if it were me, I would vote for "staying the c...
by red5
Wed Mar 04, 2015 9:45 am
Forum: Investing - Theory, News & General
Topic: What's your average ER? [Expense Ratio]
Replies: 123
Views: 8089

Re: What's your average ER? [Expense Ratio]

Until I read all the previous posts, I thought I was doing exceptionally well with .11 You are doing exceptionally well with a weighted average ER of .11%. I feel once a portfolio's average ER gets really low (say, .25%) then other factors will outweigh the small differences between .08% and .11% a...
by red5
Wed Mar 04, 2015 5:12 am
Forum: Investing - Help with Personal Investments
Topic: Thinking of going with VSMGX
Replies: 25
Views: 3825

Re: Thinking of going with VSMGX

All I'll say is that VSMGX is a great low-cost Vanguard LifeStrategy fund for someone interested in a 60/40 stock/bond allocation.
by red5
Tue Mar 03, 2015 7:54 pm
Forum: Investing - Theory, News & General
Topic: Poll: Increasing international equities
Replies: 70
Views: 5566

Re: Poll: Increasing international equities

I'm sticking with my AA: 30% of equities. I will admit though that after reading this thread I feel like I'm in the minority. Maybe I'm missing out, but I'm ok with that. I don't know...out of the people who voted who made a decision most are not increasing. What is it right now, 12 for increasing ...

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