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Re: 100% Stock Thread Collection

in some circumstances a 100% equity portfolio might be the right move for some people I agree! It seems that in certain situations it makes sense. Heck even Jack's message when it comes to AA can be a little cryptic. He usually stays on age in bonds but every now and then he will throw in that you ...
by stemikger
Mon Sep 01, 2014 9:11 am
 
Forum: Investing - Theory, News & General
Topic: 100% Stock Thread Collection
Replies: 19
Views: 1322

Re: Warren Buffet and the S&P index fund

I really don't think Buffet was being literal when he said "S&P 500". He was providing a soundbite and not a detail explanasion of his investment philosophy. With just a few words he managed to convey the ideas of keeping costs low, using lots of diversification, having high equity ex...
by stemikger
Thu Aug 28, 2014 9:36 am
 
Forum: Investing - Theory, News & General
Topic: Warren Buffet and the S&P index fund
Replies: 23
Views: 1720

Re: AA of 60/40 for your Lifetime?

I like how you think. I often thought about doing this myself and who knows maybe I will. What could be sweeter than holding the Vanguard Balanced Index Fund for life and never looking back. Investing doesn't get easier than that and IMHO is the essence of what John Bogle teaches. Scott Burns makes ...
by stemikger
Thu Aug 28, 2014 7:06 am
 
Forum: Investing - Help with Personal Investments
Topic: AA of 60/40 for your Lifetime?
Replies: 27
Views: 2303

Re: 100% stock AA-> At what age to add bonds?

Bonds protect you from a down market. You're suppose to have Bonds if: -you're risk adversed or -are close to retirement because you might not have the time horizon to recover from a recession So a young person w/a strong stomach who graduated from college at age 22 can get by with: 80% Total Marke...
by stemikger
Tue Aug 26, 2014 6:33 pm
 
Forum: Investing - Theory, News & General
Topic: 100% stock AA-> At what age to add bonds?
Replies: 58
Views: 3675

Re: Buy & Hold Forever Blue Chip Stocks???

I realize that, but Berkshire owns so many companies, I look at it differently. After reading the book Warren Buffett's Berkshire Hathaway - 101 Reasons to own the World's Greatest Investment by Robert P. Miles, I do not look at it like any other individual stock on earth. However, I still recommen...
by stemikger
Sun Aug 24, 2014 2:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buy & Hold Forever Blue Chip Stocks???
Replies: 73
Views: 3800

Re: Buy & Hold Forever Blue Chip Stocks???

Poll for the group.... if you have $20,000 to play with, and HAD to pick <10 stocks to buy and hold forever, which one would you choose? I have: PG MRK AAPL GOOG DIS HD .... ? Boeing ? JNJ ? Wells Fargo Any thoughts? I realize I'm missing financial sector, but that's intentional after 2008 crisis d...
by stemikger
Sun Aug 24, 2014 2:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buy & Hold Forever Blue Chip Stocks???
Replies: 73
Views: 3800

Re: "Don't Be Scared of Rising Interest Rates"

I'm 37, have a long (>20 yr horizon), and a taxable account that's 100% stock funds. Does it make any sense for anyone to buy a bond fund right now for a taxable account???? In a round about way, I asked this question to Vanguard on Facebook and this was their response to me. Simply put, while the ...
by stemikger
Sun Aug 24, 2014 1:18 pm
 
Forum: Investing - Theory, News & General
Topic: "Don't Be Scared of Rising Interest Rates"
Replies: 4
Views: 1061

Re: Buy & Hold Forever Blue Chip Stocks???

Poll for the group.... if you have $20,000 to play with, and HAD to pick <10 stocks to buy and hold forever, which one would you choose? I have: PG MRK AAPL GOOG DIS HD .... ? Boeing ? JNJ ? Wells Fargo Any thoughts? I realize I'm missing financial sector, but that's intentional after 2008 crisis d...
by stemikger
Sun Aug 24, 2014 1:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buy & Hold Forever Blue Chip Stocks???
Replies: 73
Views: 3800

Re: Good interview with John Bogle

Jaxfann wrote: To go from 80/20 to 25/75 in one move was a huge change and very different to the philosophy continually expounded on this board by very intelligent members. I am surprised that at his age at the time he was so exposed to equities also. Clearly given extraordinary circumstances Bogle...
by stemikger
Sun Aug 24, 2014 8:31 am
 
Forum: Investing - Theory, News & General
Topic: Good interview with John Bogle
Replies: 34
Views: 3687

Re: Best nose hair trimmer (is this okay to ask?)

With all due respect this is a very weird post. I suggest a little scissors could do the job. Unless of course it is a wild growth and then I look to others for suggestions. This is not weird at all. If you are a hairy guy like myself, you have been battling this problem since your late 20s and now...
by stemikger
Sun Aug 24, 2014 8:23 am
 
Forum: Personal Consumer Issues
Topic: Best nose hair trimmer (is this okay to ask?)
Replies: 36
Views: 2647

Re: Good interview with John Bogle

Posted by abuss368
One thing is certain: Mr. Bogle and Mr. Buffett know a lot more about investing than I ever will.


:beer Well said Abuss368! That makes two of us!
by stemikger
Sat Aug 23, 2014 1:31 am
 
Forum: Investing - Theory, News & General
Topic: Good interview with John Bogle
Replies: 34
Views: 3687

Re: Good interview with John Bogle

In this case, we should all listen to Buffett and hold enough cash to be secure and put the rest in the Vanguard 500 Index. I actually did that for a few months and the short term results were pretty good except for the fact I turned into one of those people watching what the S&P did on a daily...
by stemikger
Fri Aug 22, 2014 6:59 am
 
Forum: Investing - Theory, News & General
Topic: Good interview with John Bogle
Replies: 34
Views: 3687

Re: Good interview with John Bogle

Jaxfann wrote: To go from 80/20 to 25/75 in one move was a huge change and very different to the philosophy continually expounded on this board by very intelligent members. I am surprised that at his age at the time he was so exposed to equities also. Clearly given extraordinary circumstances Bogle...
by stemikger
Fri Aug 22, 2014 2:37 am
 
Forum: Investing - Theory, News & General
Topic: Good interview with John Bogle
Replies: 34
Views: 3687

Re: Good interview with John Bogle

HurdyGurdy wrote:The specific video is part 9 of a series of 11, an extended interview with Bogle on many aspects of his work. Highly recommended.

https://www.youtube.com/user/witteecon/videos


Thanks!
by stemikger
Fri Aug 22, 2014 12:48 am
 
Forum: Investing - Theory, News & General
Topic: Good interview with John Bogle
Replies: 34
Views: 3687

Re: Good interview with John Bogle

Thank you for providing the link. Wasn't that awesome from Warren Buffett? Recommending his wife's asset be placed in the Vanguard Index 500 and Treasury bonds? Why again do we need 8 equity funds and 3 bond funds as investors? Do we know something more or better than Warren Buffett? Glad you found...
by stemikger
Thu Aug 21, 2014 10:27 pm
 
Forum: Investing - Theory, News & General
Topic: Good interview with John Bogle
Replies: 34
Views: 3687

Re: "The Bogleheads' Guide to Investing -- Second Edition"

Thank you Taylor!! I am going to print this out and stick it on my Fridge to protect me from myself. I really love your Gems!
by stemikger
Thu Aug 21, 2014 10:41 am
 
Forum: Investing - Theory, News & General
Topic: "The Bogleheads' Guide to Investing -- Second Edition"
Replies: 42
Views: 6191

Re: Good interview with John Bogle

I hadn't seen it, so thanks for posting a link to it. He explicitly stated a couple of things that I've long inferred from his writing, and I was glad to get confirmation that I had understood correctly. Looks like a long, multi-part interview. I look forward to having a block of time to listen to ...
by stemikger
Thu Aug 21, 2014 9:21 am
 
Forum: Investing - Theory, News & General
Topic: Good interview with John Bogle
Replies: 34
Views: 3687

Good interview with John Bogle

I'm sure most saw this, but if not, it's a great interview and he even mentions Buffett using the Vanguard 500 Index Fund to leave money for his wife.

https://www.youtube.com/watch?v=k6ra5PO ... ztsFvzSK1g
by stemikger
Thu Aug 21, 2014 4:15 am
 
Forum: Investing - Theory, News & General
Topic: Good interview with John Bogle
Replies: 34
Views: 3687

Re: Investment Allocation for 18 y/o

In my opinion, an 18 year old, with 40-50 years before retirement should have 100% of their retirement assets in equities. You can start to move some of your retirement money gradually into your retirement bond allocation in15-20 years. As you said, "I am not going to need access to my money a...
by stemikger
Thu Aug 21, 2014 2:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Investment Allocation for 18 y/o [military]
Replies: 17
Views: 791

Re: Vanguard on Facebook

pamela.day wrote:That was great that they apologized and researched the answer for you. It really did show that they cared and wanted to make their clients happy. Good job Vanguard!


I agree!
by stemikger
Wed Aug 20, 2014 5:57 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard on Facebook
Replies: 10
Views: 1482

Re: Your biggest "Missed Money" event that still kills you?

Not investing until my 30s is the only thing that comes to mind.
by stemikger
Tue Aug 19, 2014 6:17 am
 
Forum: Investing - Theory, News & General
Topic: Your biggest "Missed Money" event that still kills you?
Replies: 102
Views: 7966

Re: Do Super wealthy have access to different investing vehi

I didn't read the other replies, but many wealthy accredited investors have exclusive access to those lousy Hedge Funds that usually underperform those great index funds. Stay the Course and don't believe the Wall Street Hype. John Bogle has all his money with Vanguard and mostly in index funds and ...
by stemikger
Sat Aug 16, 2014 8:36 pm
 
Forum: Investing - Theory, News & General
Topic: Do Super wealthy have access to different investing vehicles
Replies: 76
Views: 6269

Re: Do you diversify into international bond?

My 401K does not even offer an international bond fund. When I started here 20 years ago they didn't even offer international equities. I don't invest in either so it's not a problem for me. International equities might be worth it, but I really don't see any advantage with international bonds if yo...
by stemikger
Sat Aug 16, 2014 7:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Do you diversify into international bond?
Replies: 33
Views: 2219

Re: [Poll] How I Feel When I Think about Investing, etc.

When I think about investing, retirement planning, personal finances, etc (the types of topics generally discussed on this board), I actually find it fun and interesting. It is a hobby that relaxes me and I like reading about it here or going to local chapter meetings to discuss it. I spend so much...
by stemikger
Sat Aug 16, 2014 4:52 am
 
Forum: Investing - Theory, News & General
Topic: [Poll] How I Feel When I Think about Investing, etc.
Replies: 36
Views: 2364

Re: Vanguard on Facebook

Thanks Tigermoose. I never really looked into Stable Value Funds and know nothing about them. I have seen them mentioned here on the boards. My 401K does not offer one either, so I stick to what I have been taught here and throughout but I will look into it and find out a little about them. :beer S...
by stemikger
Wed Aug 13, 2014 5:49 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard on Facebook
Replies: 10
Views: 1482

Re: If only one Vanguard fund to invest in - what's your cal

Personally I would be comfortable with 60/40 for Life. :happy But that is me. I feel the same way. If I am fortunate enough to live a long healthy life, and what I am supposed to get through social security is accurate, I don't see myself going below 60/40 until my 80s. Again, if I'm fortunate enou...
by stemikger
Wed Aug 13, 2014 5:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: If only one Vanguard fund to invest in - what's your call?
Replies: 67
Views: 9251

Re: Vanguard Balanced Index vs. Vanguard Lifestrategy Modera

I agree with others if you are looking at a 50 year time horizon, I would put it in the Vanguard Total Stock Market and forget it's there.

Think about it, don't you think the market will be higher 50 years from now?

Now to aswer your question, I love the Vanguard Balanced Index Fund.
by stemikger
Wed Aug 13, 2014 7:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Balanced Index vs. Vanguard Lifestrategy Moderate
Replies: 8
Views: 945

Re: Vanguard: "Social Security: How to decide when it's time

I am going to defer SS with two caveats: 1 If my portfolio took a severe hit, say down 50% I would probably start at FRA. 2 If my health suddenly failed, I'd probably start receiving SS ASAP. Some thing is better than nothing :) Very true! My dad and two uncles never lived long enough to even take ...
by stemikger
Tue Aug 12, 2014 6:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard:"Social Security: How to decide when it's time."
Replies: 82
Views: 5873

Re: Vanguard on Facebook

That was a good note. I find it interesting that they refer to "bonds" without specifically noting the additional risks of international bonds. Thank you for sharing. Hi abuss368, Time will tell if they will be the diversifier that some say, but I find many of the experts don't even like ...
by stemikger
Tue Aug 12, 2014 5:02 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard on Facebook
Replies: 10
Views: 1482

Re: Vanguard on Facebook

What you have to keep in mind is that you and others might have more options than what is available at Vanguard. Instead of bonds, you might have access to a Stable Value Fund, TIA-CREF, CDs, I-Bonds, etc that might pay out more without interest rate risk. So their point about giving up yield does ...
by stemikger
Tue Aug 12, 2014 5:00 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard on Facebook
Replies: 10
Views: 1482

Re: Vanguard on Facebook

Stem, you are an excellent poster and I enjoy your posts. I must say that I compliment both you on the quality of the question and Vanguard on the response. I was a little struck as I read this one that you thought that you should have had your questions addressed right away. It is possible that th...
by stemikger
Tue Aug 12, 2014 4:58 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard on Facebook
Replies: 10
Views: 1482

Vanguard on Facebook

Last week, Vanguard was taking questions on their Facebook page for 2 hours. I saw this as a great opportunity and being I work midnights, I was the first to post a question. Here is the question I posted: I always held a balanced portfolio of stocks and bonds. I hold my stocks in the Vanguard Total...
by stemikger
Tue Aug 12, 2014 10:45 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard on Facebook
Replies: 10
Views: 1482

Re: Need for International Investing ?

Hi Tomd37, I am 50 years old and have never invested in a separate international fund, I started investing at 30. There was a time a few years ago I questioned my decision on not holding international and asked the question on these boards, and some very intelligent people made a good case for it, ...
by stemikger
Tue Aug 12, 2014 1:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Need for International Investing ?
Replies: 49
Views: 2625

Re: Need for International Investing ?

Great Post Pingo!
by stemikger
Mon Aug 11, 2014 9:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Need for International Investing ?
Replies: 49
Views: 2625

Re: Need for International Investing ?

Our best days are ahead of us...I am still bullish on America. I love America as much as the next guy, really I do, but this kind of sentiment is speculation at best. The American financial system nearly imploded upon it self just a few short years ago (my how soon we forget), and from what I can s...
by stemikger
Sun Aug 10, 2014 10:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need for International Investing ?
Replies: 49
Views: 2625

Re: Need for International Investing ?

I think we've all taken someone's word about all this stuff. I don't think anyone here invented any of this stuff. We get our influences from somewhere, right? The "evidence" I've seen in many recent threads shows it really hasn't mattered if or how much one invested internationally. I th...
by stemikger
Sun Aug 10, 2014 11:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Need for International Investing ?
Replies: 49
Views: 2625

Re: Need for International Investing ?

So when John Bogle and Warren Buffett agree that international is not necessary, and after reading Jack's chapter on why he feels this way, I feel pretty secure not holding it. Jack did not come to this decision lightly and his chapter in Common Sense on Mutual Funds proves that point. What does th...
by stemikger
Sun Aug 10, 2014 10:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Need for International Investing ?
Replies: 49
Views: 2625

Re: Need for International Investing ?

And Jack's recent revision to Common Sense continues his former position. I have noticed watching many interviews with Jack, Warren and Charlie Munger that they never change their positions on the fundamentals. With their intellects once they think through their positions, they feel confident on no...
by stemikger
Sun Aug 10, 2014 8:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Need for International Investing ?
Replies: 49
Views: 2625

Re: Need for International Investing ?

Hi Tomd37, I am 50 years old and have never invested in a separate international fund, I started investing at 30. There was a time a few years ago I questioned my decision on not holding international and asked the question on these boards, and some very intelligent people made a good case for it, b...
by stemikger
Sat Aug 09, 2014 10:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need for International Investing ?
Replies: 49
Views: 2625

Re: Going 60+% international? (US resident)

John Bogle in Common Sense on Mutual Funds reccomends no more than 20% if you must but also makes a good argument of not needing to add it at all. Warren Buffett says the average person will do very well investing in an index fund that buys America. He is also putting his money where his mouth is a...
by stemikger
Sat Aug 09, 2014 2:34 am
 
Forum: Investing - Theory, News & General
Topic: Going 60+% international? (US resident)
Replies: 83
Views: 5955

Re: Who or what inspired you and your investing approach?

The first book that really lit my fire was The Automatic Millionaire by David Bach. It really suited my personality. After I wanted to learn more, I read A Random Walk Down Wall Street and from there I was totally hooked. However Common Sense on Mutual Funds and it's easier companion The Little Book...
by stemikger
Sat Aug 09, 2014 1:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Who or what inspired you and your investing approach?
Replies: 93
Views: 4311

Re: Affording a 1.3 million home?

Good Luck with whatever you decide to do. You will make it work either way!
by stemikger
Sat Aug 09, 2014 1:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Affording a 1.3 million home?
Replies: 105
Views: 11048

Re: Going 60+% international? (US resident)

John Bogle in Common Sense on Mutual Funds reccomends no more than 20% if you must but also makes a good argument of not needing to add it at all. Warren Buffett says the average person will do very well investing in an index fund that buys America. He is also putting his money where his mouth is an...
by stemikger
Sat Aug 09, 2014 1:06 am
 
Forum: Investing - Theory, News & General
Topic: Going 60+% international? (US resident)
Replies: 83
Views: 5955

Re: International investing. A good call by our mentor.

I never held international investments and in 20 years, I never missed not holding them. After reading Common Sense on Mutual Funds, no one could convince me otherwise. When Bogle and Buffett agree that it's not necessary, I think it's safe to say it's not necessary. When Jack was asked by the Motle...
by stemikger
Sun Aug 03, 2014 9:14 am
 
Forum: Investing - Theory, News & General
Topic: International investing. A good call by our mentor.
Replies: 145
Views: 12394

Re: How old are you?

50 and so far the only good thing I noticed is that I'm able to make catch-up provisions in my 401K. That and the fact that I'm above ground. My wife who is 54 and looks ten years younger than me has a much better outlook.
by stemikger
Wed Jul 30, 2014 9:46 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: How old are you?
Replies: 77
Views: 6599

Re: 401K Target Retirement Fund or Not

For what it's worth, I spent some time being all sophisticated and trying to build fancy portfolios. And now I've come full circle and put my money in balanced funds. Yes, you could marginally reduce your expense ratios, but will you really have the discipline to rebalance when appropriate, or stic...
by stemikger
Mon Jul 28, 2014 2:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K Target Retirement Fund or Not
Replies: 19
Views: 1077

Re: years of investing and balances

I started at 30 and did everything wrong. I had no clue about why I was putting my money in a fund. At the time, the firm I worked for had ten funds and I just blindly put 10% in each fund. LOL. Now at 50 and have a better understanding of how to invest, I laugh at how naïve I was. As far as worryin...
by stemikger
Mon Jul 21, 2014 10:29 am
 
Forum: Investing - Help with Personal Investments
Topic: years of investing and balances
Replies: 23
Views: 1960

Re: Should I use margin to buy a balanced fund?

This is a quote from Warren Buffett. "If you're smart, you don't need leverage. If you're dumb, you have no business using it."
by stemikger
Thu Jul 17, 2014 9:30 am
 
Forum: Investing - Theory, News & General
Topic: Should I use margin to buy a balanced fund?
Replies: 322
Views: 22198

Re: Asset Allocation At or Near Retirement?

We are hopefully 1 to 2 years from retirement. Very conservative. Have been 35-37% equities throughout this amazing market. :( However, have also slept quite well every night :happy , which is ultimately our first priority and trumps higher return (potential). My question is actually, what is the m...
by stemikger
Thu Jul 10, 2014 2:46 am
 
Forum: Investing - Theory, News & General
Topic: Asset Allocation At or Near Retirement?
Replies: 51
Views: 4827
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