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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: 15
Views: 436

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: 1419

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: 80
Views: 5538

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: 6114

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: 31
Views: 1850

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: 2320

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: 1419

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: 9149

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: 934

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: 79
Views: 5374

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: 1419

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: 1419

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: 1419

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: 1419

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: 2524

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: 2524

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: 2524

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: 2524

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: 2524

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: 2524

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: 2524

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: 5871

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: 4272

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: 10953

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: 5871

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: 12276

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: 6457

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: 1070

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: 1957

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: 266
Views: 17085

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: 4697

Re: What one Vanguard fund for retirement?

Jack was asked this question during a very good interview by Motley Fool and without missing a beat he said the Vanguard Balanced Index Fund would be just fine. I agree! Interestingly enough, Warren Buffett feels you only need one fund which is the Vanguard 500 Index Fund. So it seems like Buffett i...
by stemikger
Thu Jul 10, 2014 12:57 am
 
Forum: Investing - Help with Personal Investments
Topic: What one Vanguard fund for retirement?
Replies: 12
Views: 2701

Re: >$1MM saved -- thank you BogleHeads!

Awesome!!! Way to Go! That is a great accomplishment! :beer
by stemikger
Mon Jun 16, 2014 11:43 am
 
Forum: Personal Finance (Not Investing)
Topic: >$1MM saved -- thank you BogleHeads!
Replies: 21
Views: 3434

Re: Why don't we like Dave Ramesy's investment advice

It is definitely challenging times when it comes to all the noise about not owning bonds. Dave Ramsey always told his audience that he doesn't own bonds, his money is all in managed equity funds and he encourages you to go to his ELPs to help set this up. This sounds expensive. It was always easy to...
by stemikger
Mon Jun 16, 2014 8:57 am
 
Forum: Investing - Theory, News & General
Topic: Why don't we like Dave Ramesy's investment advice
Replies: 50
Views: 5053

Re: What Do You Eat For Snacks?

Unhealthy snacking should one's dirty little secret, on par with listening to Jim Cramer. Victoria Victoria, as far as I'm concerned it's all a crapshoot. I know people who were heatlh food fanatics and died young from cancer and I know others who did everything wrong and lived a long life. It seem...
by stemikger
Sat Jun 14, 2014 7:53 am
 
Forum: Personal Consumer Issues
Topic: What Do You Eat For Snacks?
Replies: 103
Views: 6448

Re: What Do You Eat For Snacks?

fareastwarriors wrote:You guys are so healthy.

I eat chips, candy, chocolate, crackers. Anything in sight lol.


LOL. I was thinking the same thing. My snack/meal of choice is Pepporoni Pizza! I'm also a chip, pretzel and candy guy!
by stemikger
Sat Jun 14, 2014 7:09 am
 
Forum: Personal Consumer Issues
Topic: What Do You Eat For Snacks?
Replies: 103
Views: 6448

Re: Any Bogleheads here into real estate investing?(renting

When we were at a point where we could afford to consider real estate, I talked about it with my wife. She wisely pointed out that I know nothing about the business, am not handy, have no understanding of the real estate market, didn't make a smart decision when we bought our first home (due to me ...
by stemikger
Sat Jun 14, 2014 1:33 am
 
Forum: Investing - Theory, News & General
Topic: Any Bogleheads here into real estate investing?(renting out)
Replies: 69
Views: 6303

Re: What Book Are You Currently Reading? Part V

The Boglehead's Guide to Retirement. It's not as sexy as The Boglehead's Guide to Investing, but at 50 it's time to start getting informed on the planning side.

I'm also reading Clash of the Cultures by Jack Bogle.
by stemikger
Sat Jun 14, 2014 1:00 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3196
Views: 1081904

Re: Why is Tilting and Slice&Dice so popular in this forum?

I guess they don't agree with Jack when he says fall back on the majesty of simplicity and for some reason think they need to make this wonderful invention of indexing the total stock and total bond market hard. Why do you think that a slice and dice portfolio is "hard"? Not hard to imple...
by stemikger
Fri Jun 13, 2014 4:23 am
 
Forum: Investing - Theory, News & General
Topic: Why is Tilting and Slice&Dice so popular in this forum?
Replies: 110
Views: 6251

Re: Any Bogleheads here into real estate investing?(renting

Hi Bogleheads, So, over my years of being a Boglehead my net worth has climbed quite a bit. I now have a 6 figure sum in stocks, similar to a lazy 3 fund portfolio. Total US, total intl, and bnd. I have a buddy I recently spoke with. Not so much a buddy as a random person I met (no reason to be dis...
by stemikger
Fri Jun 13, 2014 4:12 am
 
Forum: Investing - Theory, News & General
Topic: Any Bogleheads here into real estate investing?(renting out)
Replies: 69
Views: 6303

Re: Apple looks interesting right now

placeholder wrote:I'm not sure what the point of deleting the OP is when it's been quoted in subsequent messages so just stand by your words.


Well, I'm not under oath and I am and was having a bad day so I didn't feel like reading snarky comments. That seemed to be the direction it was going.
by stemikger
Thu Jun 12, 2014 1:28 am
 
Forum: Investing - Theory, News & General
Topic: Apple looks interesting right now
Replies: 35
Views: 2432

Re: Why is Tilting and Slice&Dice so popular in this forum?

One would think that the mathematical proof in favor of low-cost passive market-weighted index funds would convince most Bogleheads, as they seem very bright, rational people. Yet, not a day goes by on this forum without new threads about tilting portfolios towards something: small, value, reits, m...
by stemikger
Thu Jun 12, 2014 1:06 am
 
Forum: Investing - Theory, News & General
Topic: Why is Tilting and Slice&Dice so popular in this forum?
Replies: 110
Views: 6251

Re: As Bogelheads, a comforting thought for everyone....

Great post. I think many people (especially bogleheads) are so conditioned to save that when the time comes it may be hard to switch gears. I fear I might be one of those people. However, posts like this help bring some reality to us penny pinchers and enjoy what we worked so hard to obtain while we...
by stemikger
Wed Jun 11, 2014 7:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: As Bogleheads, a comforting thought for everyone....
Replies: 46
Views: 4841

Re: Apple looks interesting right now

I never bought a single stock in my life, but I have to say Apple looks interesting right now. Does anyone else feel this way with the recent split. This post is so ridiculous for this forum, especially for someone with over 2000 posts, that I wonder if you are just intentionally wasting everyone's...
by stemikger
Wed Jun 11, 2014 5:08 pm
 
Forum: Investing - Theory, News & General
Topic: Apple looks interesting right now
Replies: 35
Views: 2432

Re: Apple looks interesting right now

DELETED
by stemikger
Tue Jun 10, 2014 11:18 am
 
Forum: Investing - Theory, News & General
Topic: Apple looks interesting right now
Replies: 35
Views: 2432

Re: Apple looks interesting right now

DELETED
by stemikger
Tue Jun 10, 2014 10:39 am
 
Forum: Investing - Theory, News & General
Topic: Apple looks interesting right now
Replies: 35
Views: 2432

Re: Apple looks interesting right now

DELETED
by stemikger
Tue Jun 10, 2014 10:36 am
 
Forum: Investing - Theory, News & General
Topic: Apple looks interesting right now
Replies: 35
Views: 2432

Apple looks interesting right now

DELETED
by stemikger
Tue Jun 10, 2014 9:47 am
 
Forum: Investing - Theory, News & General
Topic: Apple looks interesting right now
Replies: 35
Views: 2432
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