Bogleheads.org

Posted by Noobvestor I am not suggesting anyone should be tilting toward international, but the US has had a nice run and these things do turn around now and again ... Buy, hold, rebalance, and don't trick yourself into thinking you're lowering your international allocation because you want to 'red...

dbr wrote:It's going to be very interesting to see the conversation when the stock market has its next downtrend.

Very true. That is when Staying the Course will surely be tested.

I understand that Jack Bogle and Warren Buffett are friends. I wish we could see an interview with the two of them discussing/debating this issue. I think Jack Bogle has the same concerns. He is becoming increasingly concerned about fixing the Bond Index. He also did say pertaining to this issue is...

This presumes he knows anything about individual investors or the future of the bond market. A guy who buys companies for a living may not overlap with us much. I think it's a safe bet that interest rates will not stay this low for much longer. The stock market is doing great, the economy is pickin...

I think people should rethink spending that much on college. First off, they don't have to room and board. Second they should go to a local senior college and pay in-state tuition. I gave my daughter a choice. A private school where you would most likely have to take out loans or the college where w...

This was inspired by another thread about Buffett talking to Becky Quick about bonds. In that thread I talked about the Buffett Bunch. For those of you who don't know about them, they were ordinary people from Omaha who invested with a young man named Warren Buffett. Most of them still live very sim...

Reading Commonsense on Mutual Funds did it for me. Also, The Bogleheads Guide to Investing and other authors I highly respect all seem to be on the same page when it comes to index funds. I also don't like to do research which you have to with managed funds. I don't want have to keep track when a ma...

He is 100% right. However, you really need to know if you can handle the volatility of all equities. Having said that when the smartest investor this world has ever seen gives advice, how can any of us mere mortals argue and not take it. I often fantasize about investing with Warren when he was just...

I would agree that this is the best piece of advice, but definitely the hardest. I think that is what Warren Buffett means when he says investing is easy but it's not simple. I don't think you have it quite right. It is: "investing is simple but not easy." It is simple to set up an asset ...

I would agree that this is the best piece of advice, but definitely the hardest. I think that is what Warren Buffett means when he says investing is easy but it's not simple. I have changed my mind about what strategy I want to follow so much I even forget half of the ideas that crossed my mind. I r...

Thanks for the link. My guess is that the Balanced Index may once have had an annuity feature. Given the reference to the Wilshire index (which was replaced by MSCI, which was replaced by CRSP), my bet is the info is at least 10 years old. I currently hold Balanced Index in my 401k, and haven't see...

Sorry folks. I should have put the link. This is where I found it.

http://www.marketwatch.com/investing/fund/VBINX

Does anyone know how the annuity feature works within the Vanguard Balanced Index Fund. When I was looking up some info on it I found this paragraph. Investment Policy The Fund seeks to track, with respect to 60% of its assets, investment performance of the Wilshire 5000, and with respect to 40% of ...

I understand. I guess what I am saying is that when we retire we have maybe between 10 and 30 good years left. I live in NJ. I like going into NYC to see and do well, everything. I could save say $10,000 a year for example in taxes by moving to Texas or Florida Alaska or another tax free state. Tax...

This is a question I’m curious about. Let’s say for instance you invested 50% in the Total Stock Market index Fund and 50% in the Total Bond Index fund in your 401K or IRA your entire working life. You readjusted your asset allocation every year on your birthday to keep the 50/50 allocation. Now it’...

In your opinion is it sufficient to own the Vanguard Total World Fund along with the Vanguard Total Bond Market Index Fund 50/50? If so how do the returns compare to the 3 fund ( total stock market index fund, total international and total bondmarket index fund) 33/33/33 portfolio over time? As oth...

MarcMyWord wrote:

Splais wrote:each of these funds has strengths not offered by the other

That is what I would like to know. Could you amplify. thanks.

I don't think I can "amplify" more than the line-by-line, item-by-item comparison in my post above.

+1

Been there, done that, bought that T-Shirt. Fortunately, I learned about asset allocation and portfolio theory before the 2000 crash and diversifed. Having 30% in bonds helped cushion the two bear markets that I experienced in the next decade. My losses each time were about 1/3 of the portfolio, wh...

Happy Birthday Mr. Bogle. Thank you for all you do for the little guy!!!

Not tacky at all. I would print something from the internet to go along with it so they know a little bit about it and it's worth. I think it is an awesome gift.

pkcrafter wrote: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

+1

Paid $500 for Barbra Streisand tickets because my wife loves her, but for some reason I went along. BORING!!!

This was 18 years ago when she played Madison Square Garden.

These funds seem too confusing. I don't think they would have John Bogle's blessing. Simplicity is best and these funds seem like a gimmick to me. I'm surprised Vanguard is promoting them.

If you are a member of Amazon Prime, you can purchase it for $1.99.

http://www.nytimes.com/2013/02/02/busin ... d=all&_r=0

After reading this, I'm going to just Stay the Course. If the pros are confused, that tells me to sit tight.

My wife and I are really working on cleaning up and taking control of our finances. We have been listening to Dave Ramsey and thinking about trying his program. Just wanted to hear what you all thought about it or if any have tried it? Any help would be appreciated. Thanks! I love Dave Ramsey for m...

We have HDTV, phone, and internet on Time Warner. My wife say a friend of her's gets a discount by calling in once a year a threatening to cancel. She wants me to try it, but I have no experience with doing this. Does anyone here do this? I suppose I should research an alternative, I think AT&T...

I know there are a lot of seniors here and I know how much tougher many of them had it coming up, and how different the world was then. I know many who never invested in their entire lives and just putting food on the table was a challenge. I was wondering if there are any seniors or middle aged peo...

I'm a Boglehead because I grew up poor and always craved that security. My parents always fought over money and never had a plan. They robbed Peter to pay Paul and when my dad passed away at 52 my Mom lost the house and was homeless. I swore if I could help it I would never be in that situation. Unf...

I never did a budget in my life. So you're single? :) One thing Dave teaches is that most marriages have one nerd and one "free spirit". I am definitely the nerd (saver, budget-conscious) whereas Mrs. Nozzle is... um, not. The only reason we have a budget is because she needs financial bo...

I have been a fan of Dave's for a long time. I saw him live when he came to New York City years ago and I was a caller on his show. As others said, I think he knows his forte is not investing and I guess that is why he spends so little time talking about it on his show and even in his book The Total...

I hear you, but as a doc. you should appreciate someone who wants to get a second opinion, especially when it's free. I didn't ask him about retiring in 2 years, but I did ask him about the AA for older people in retirement. He said he thinks everyone should always have a pretty good percentage of ...

This was a blessing in disguise. You learned a lesson you will never forget and it made you a better investor. Sell and do the three fund portfolio and Stay the Course. Look at it this way. Many folks pay large sums for investing seminars, you probably learned more from this mistake then many of tho...

Like others have said Dave gives good debt reduction advice, but I don't necessarily like his investing advice. It's not for the squeamish and definitely not for a Boglehead. A pet peeve of mine is that Dave tells all his callers that you need a budget and you can't do it without one. Well I must be...

Once your wealth reaches a certain point (very large) you don't need bonds. You have so much that even if you lose a lot you still have enough. Until then some bonds are a good idea. Possibly so. The same a logic also says that once your wealth reaches a certain point you don't need stocks. You hav...

The company I work for sent out an e-mail that Morgan Stanley's Financial advisors were available to take a look at our 401K investments and if any of us need advice they are available at any time. I called the person and he got back to me. I should clarify that Morgan Stanley is the company that r...

Stemikger, I agree with your assessment of the Mogan Stanley rep and your reaction to his so-called advice. I once met with a 401(k) advisor back in my working days. It was a quick meeting and he did not try to push any products my way. At the time, my early retirement plan was in its very early st...

What reason could Morgan Stanley or the saleman have to be bothering with this? What do they get out of it? It's in the prospectus . Payments to Broker-Dealers and Other Financial Intermediaries If you purchase shares of the Fund through a broker-dealer or other financial intermediary (such as a ba...

I think that this forum is a great resource, but can also be a double-edged sword at times. If you read enough, you will see various posts advocating very aggressive strategies for younger investors, usually in the neighborhood of 90% equities a la the TR Funds in the 2045-2050 range. On the other ...

stemikger, I'm shocked at even Morgan Stanley pumping this silly little fund. I went to the trouble of looking it up...... Westfield Capital Large Cap Growth Instl (WCLGX). ER=1%. Net assets $163M. Min investment $0.5M. Largest asset AAPL at 5.9% of holdings. Started up in July 2011. What reason co...

Bump so I can read later.

momar wrote:They invest in potential QVC products. Or at least thats what Shark Tank wants me to think.

+1. I love this show, but I too question the reality behind reality tv.

Stem, you are such a good forum member and your posts are usually so logical and sound. You have a great, low cost, indexed portfolio, in fact if anything a little more aggressive than some would suggest. You made one big mistake. Why did you even bother to schedule the free consultation? Just keep...

Great replies thanks to all, especially nisprius with those cool charts.

The company I work for sent out an e-mail that Morgan Stanley's Financial advisors were available to take a look at our 401K investments and if any of us need advice they are available at any time. I called the person and he got back to me. I should clarify that Morgan Stanley is the company that ru...

There is a show on the radio called The Mutual Fund Show and it is basically a long infomercial for The Mutual Fund Store. These guys claim to be able to find the funds with the right managers at the right price that can beat the market. Dave Ramsey claims he has averaged 12% through managed funds ...

Check out this thread:

viewtopic.php?f=10&t=114835&newpost=1670275

Duplicate Post.

There is a show on the radio called The Mutual Fund Show and it is basically a long infomercial for The Mutual Fund Store. These guys claim to be able to find the funds with the right managers at the right price that can beat the market. Dave Ramsey claims he has averaged 12% through managed funds a...

Bogleheads: We don't have any "Why Bonds?" posts today. :wink: Selected Vanguard funds: -2.25% Total International -2.49% Total Stock Market -7.23% Precious Metals and Mining +.09% Total Bond Market Best wishes. Taylor Taylor, Thanks for being the voice of sanity in these insane times.