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Re: Why don't YOU follow Buffett's advice?

Buffett offers this advice (90/10, VG 500/ST bonds) for someone with a minimum 20-year time horizon. Seems reasonable to me: broad-based index stock fund and low-risk bonds. I don't think his wife is going to inherit billions of dollars--most of his fortune is going to charity. I never heard him sa...
by stemikger
Wed Dec 17, 2014 9:30 am
 
Forum: Investing - Theory, News & General
Topic: Why don't YOU follow Buffett's advice?
Replies: 114
Views: 7974

Re: Bogle Advises Investing No More Than 20% Outside U.S.

Saw that today and he was pretty clear about the lack of need to invest in foreign equities. 1) he says that investing in U.S. companies, because they are global, gives you plenty of international exposure no matter what anybody says. 2) he says that investing abroad incurs all sorts of additional ...
by stemikger
Wed Dec 17, 2014 7:45 am
 
Forum: Investing - Theory, News & General
Topic: Bogle Advises Investing No More Than 20% Outside U.S.
Replies: 106
Views: 11152

Re: Bought in, and then they start tumbling

Hi, I seem to have a bad timing when it comes to making contributions to my portfolio. I only contribute quarterly. Last time I did so in bonds, it was just before bonds started to fall. Recently when I did so in stocks, it was just before the recent plunge. Although I know I am holding for the lon...
by stemikger
Wed Dec 17, 2014 3:24 am
 
Forum: Investing - Theory, News & General
Topic: Bought in, and then they start tumbling
Replies: 67
Views: 9104

Re: 80/20 stocks/bonds for near retirement

I am 63 and planning to retire at 66. I can live comfortably with SS and 4% of my investments. Almost all my investments are in IRA's and 401K's and are well diversified. Right now I have only 20% of my investments in bonds. Intermediate corporate Admiral shares. The rest are in index funds and ETF...
by stemikger
Mon Dec 15, 2014 7:51 am
 
Forum: Investing - Help with Personal Investments
Topic: 80/20 stocks/bonds for near retirement
Replies: 26
Views: 2255

Re: Most/Least Boglehead 2014 Activity?

The Most Boglehead Activity: After realizing I am not Warren Buffett and don't have his risk tolerance or his money, I went back to my 65/35 AA after going 100% in the Vanguard Institutional Index Fund for two months. Thanks to the advice from my friends here and my inner risk meter. The Least Bogle...
by stemikger
Sun Dec 14, 2014 10:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Most/Least Boglehead 2014 Activity?
Replies: 71
Views: 5914

Re: Does your work define you?

Definitely not!!! My family defines me. As long as I have my wife and daughter by my side, I can deal with all the other BS life tends to surprise you with.
by stemikger
Sun Dec 14, 2014 7:02 am
 
Forum: Personal Consumer Issues
Topic: Does your work define you?
Replies: 30
Views: 2697

Re: You folks think [a market crash] is coming?

Nobody knows nothing!

https://www.youtube.com/watch?v=A0gQiz0pCyI

Which is why, you have to stick with your asset allocation, get more conservative the closer you get to retirement, and Stay the Course!!!
by stemikger
Sat Dec 13, 2014 10:44 am
 
Forum: Investing - Theory, News & General
Topic: You folks think [a market crash] is coming?
Replies: 64
Views: 5659

Re: Does 80/20 have more risk or volatility than 60/40?

This really won't answer your question, but whenever someone mentions or is thinking of 60/40 this article comes to mind. Who knows it might make you look at it a little different. It's one of my favorites.

http://web.archive.org/web/200612140619 ... in6040.pdf
by stemikger
Sat Dec 13, 2014 10:28 am
 
Forum: Investing - Theory, News & General
Topic: Does 80/20 have more risk or volatility than 60/40?
Replies: 25
Views: 2622

Re: Does Mr. Bogle ALWAYS suggest Bonds?

Masters of investing have been saying how bad bonds and bond funds can do in a rising interest rate environment. That has not come to pass, but they all agree, it is not if but when. Warren Buffett is one of these people. He even put it in his 2013 letter to shareholders and numerous You Tube video...
by stemikger
Fri Dec 12, 2014 6:37 am
 
Forum: Investing - Theory, News & General
Topic: Does Mr. Bogle ALWAYS suggest Bonds?
Replies: 8
Views: 1193

Re: Poll: International Equity Portfolio Changes

I'm staying the course with my pristine two fund all U.S. stock and bond portfolio. Vanguard Institutional Index Fund - 70% Blackrock all U.S. debt Index Fund - 30% Deep down, I remain absolutely confident that the vast majority of American families will be well served by owning their equity holding...
by stemikger
Thu Dec 11, 2014 7:20 am
 
Forum: Investing - Theory, News & General
Topic: Poll: International Equity Portfolio Changes
Replies: 6
Views: 599

Don't Peek [at Your Portfolio Balance]

How many Bogleheads follow this advice. I wish I could but my OCD prevents me from doing so. I think for a passive investor it is a great Bogle rule. For the new year I'm going to try and adopt this rule and I hope when I'm ready for retirement I fall off my chair like Jack says.
by stemikger
Thu Dec 11, 2014 7:00 am
 
Forum: Investing - Theory, News & General
Topic: Don't Peek [at Your Portfolio Balance]
Replies: 33
Views: 3867

Re: 'Might Vanguard Founder Jack Bogle Be Wrong for a Change

cfs wrote:No need to defend him.

No need to defend Mister Bogle, he can whip all these guys blindfolded.


+1
I agree. Jack can do that blind folded, one hand tied behind his back and with a smile on his face.
by stemikger
Thu Dec 11, 2014 3:20 am
 
Forum: Investing - Theory, News & General
Topic: 'Might Jack Bogle Be Wrong for a Change?' [Int'l holdings]
Replies: 49
Views: 4155

Re: Why don't YOU follow Buffett's advice?

To the OP you may find these You Tube videos from Vanguard interesting and/or helpful.

https://www.youtube.com/watch?v=rZgN6lVRytg

https://www.youtube.com/watch?v=6UTy66tqMWE
by stemikger
Thu Dec 11, 2014 3:00 am
 
Forum: Investing - Theory, News & General
Topic: Why don't YOU follow Buffett's advice?
Replies: 114
Views: 7974

Re: Why don't YOU follow Buffett's advice?

The ironic elephant in the room hasn't been pointed out, unless I just skimmed over it. Warren Buffet didn't become extraordinarily wealthy by investing in index funds, nor would he have. The appeal to authority doesn't really make sense when the "advice" isn't what made him an authority....
by stemikger
Thu Dec 11, 2014 1:33 am
 
Forum: Investing - Theory, News & General
Topic: Why don't YOU follow Buffett's advice?
Replies: 114
Views: 7974

Re: Why don't YOU follow Buffett's advice?

gkaplan wrote:I don't follow Buffett's advice, because I am my own person.


Are you sure about that? I just read an article that Warren Buffett is buying 100% of gkaplan for Berkshire. It could be a rumor though.
by stemikger
Wed Dec 10, 2014 7:35 pm
 
Forum: Investing - Theory, News & General
Topic: Why don't YOU follow Buffett's advice?
Replies: 114
Views: 7974

Re: Does Mr. Bogle ALWAYS suggest Bonds?

Mr. Bogle has used a rough guide for many years called age in bonds. However, he also has said we should count social security as a fixed income portion. Not everyone here agrees with that advice. Also, over the last several years, many respected Masters of investing have been saying how bad bonds a...
by stemikger
Wed Dec 10, 2014 7:27 pm
 
Forum: Investing - Theory, News & General
Topic: Does Mr. Bogle ALWAYS suggest Bonds?
Replies: 8
Views: 1193

Re: Why don't YOU follow Buffett's advice?

I followed his lead - asked CEOs for preferred stock in their companies and other preferential treatment. They never got back to me. Maybe I need to get a mistress and throw money at Hillary Clinton. Well, there's always Tesco. I always am amused by Buffett hate Me too. I can't imagine anyone not l...
by stemikger
Wed Dec 10, 2014 6:37 pm
 
Forum: Investing - Theory, News & General
Topic: Why don't YOU follow Buffett's advice?
Replies: 114
Views: 7974

Re: Why don't YOU follow Buffett's advice?

Warren Buffett has consistently said: --most people's equity exposure should just be a low-cost S&P 500 Index fund --the only other holding should be something liquid enough to be safe in a crunch, like short-term government bonds --the proper asset allocation for someone with a long-term horiz...
by stemikger
Wed Dec 10, 2014 6:01 pm
 
Forum: Investing - Theory, News & General
Topic: Why don't YOU follow Buffett's advice?
Replies: 114
Views: 7974

Re: Quick question: S&P 500 or Total Stock

For diversification purposes the Total Mrkt is better but if you look at the long term returns they are pretty much identical.
by stemikger
Wed Dec 10, 2014 7:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Quick question: S&P 500 or Total Stock
Replies: 18
Views: 1729

Re: What is your opinion about "tilting?"

I don't tilt mostly due to the fact that simplicity is very important to me and I fear if you push to much in that direction you may get less than the market is willing to give. I just don't know and don't think it's really worth it or necessary.
by stemikger
Wed Dec 10, 2014 6:47 am
 
Forum: Investing - Theory, News & General
Topic: What is your opinion about "tilting?"
Replies: 114
Views: 7649

Re: How to Think About Risk in Retirement - Bernstein

I like the approach of holding a fixed AA and spending a fixed percentage of the portfolio each year. +1 Me too. My wife who I'm sure will outlive me (this assumption is due to my health status), has no interest or clue when it comes to investing. I told her if something happens to me put it in eit...
by stemikger
Wed Dec 10, 2014 6:40 am
 
Forum: Investing - Theory, News & General
Topic: How to Think About Risk in Retirement - Bernstein
Replies: 64
Views: 7648

Re: What is the best meal you've had at a restaurant?

I enjoy a good meal and will seek out restaurants which have been recommended by others. I'm a big fan of Diners, Drive-ins and Dives. In fact, I've been to most of the restaurants Guy Fieri has recommended in my city. I will often go to his website to check out his restaurant recommendations when ...
by stemikger
Wed Dec 10, 2014 6:25 am
 
Forum: Personal Consumer Issues
Topic: What is the best meal you've had at a restaurant?
Replies: 88
Views: 6523

Re: What Movie Have You Recently Watched?

I'm a bit horror film fan, but most are just not that good. I recentlys aw this gem. If you like the genre, this is a good one. The Babadook (2014) Six years after the violent death of her husband, Amelia (Essie Davis) is at a loss. She struggles to discipline her 'out of control' 6 year-old, Samuel...
by stemikger
Wed Dec 10, 2014 1:11 am
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 250
Views: 26766

Re: S&P 500 and Barclays Capital U.S. Aggregate Bond Fund‬

I often see articles and videos mentioning a 60/40 split between the S&P 500 and Barclays Capital U.S. Aggregate Bond Fund. I also know these are two vital Benchmarks here in the U.S. that people follow. So I am wondering if someone were looking to just do a simple 60/40 AA would all they need ...
by stemikger
Tue Dec 09, 2014 10:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: S&P 500 and Barclays Capital U.S. Aggregate Bond Fund‬
Replies: 7
Views: 709

Re: Bogle on the past and future of investing

Thanks for posting, I look forward to reading it.
by stemikger
Tue Dec 09, 2014 7:51 am
 
Forum: Investing - Theory, News & General
Topic: Bogle on the past and future of investing
Replies: 15
Views: 2146

Re: Bogle Advises Investing No More Than 20% Outside U.S.

Story today that Buffett has become the world's second richest man. Dang -- if he'd just gone 50/50 between domestic and international he'd probably be number one! We get it, Buffett advocates 100% US - argumentum ab auctoritate. I guess since you invest like Buffett you'll be a billionaire soon to...
by stemikger
Mon Dec 08, 2014 10:34 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle Advises Investing No More Than 20% Outside U.S.
Replies: 106
Views: 11152

Re: Bogle Advises Investing No More Than 20% Outside U.S.

Story today that Buffett has become the world's second richest man. Dang -- if he'd just gone 50/50 between domestic and international he'd probably be number one! +1 Who are two of the most intelligent men the world has ever known when it comes to investing. Warren Buffett is one and John Bogle is...
by stemikger
Mon Dec 08, 2014 5:22 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle Advises Investing No More Than 20% Outside U.S.
Replies: 106
Views: 11152

Re: Did you parents and your childhood effect the way you ha

I distinctly remember getting my 3rd paycheck and thinking "how could anyone spend all this money when every two weeks they are handing you another big pile of it?" I was making today's equivalent of about $40K. + 1 I too had this experience and I was making less than today's equivalent o...
by stemikger
Sun Dec 07, 2014 2:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did your parents/childhood affect the way you handle money?
Replies: 29
Views: 2049

Re: Did you parents and your childhood effect the way you ha

I think I was a born saver but both my parents were horrible with money. My dad died at 52 years old and my mom lost the house and all. Sadly my sister took after my mom and after seeing my mom practically homeless relying on the goodness of strangers, I vowed never to let myself be put in that situ...
by stemikger
Sun Dec 07, 2014 2:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did your parents/childhood affect the way you handle money?
Replies: 29
Views: 2049

Re: Bogle Advises Investing No More Than 20% Outside U.S.

I actually agree with Jack on this. Today, U.S. companies conduct almost as much business overseas as they do in the U.S. Close to 50 percent of production, sales, and profits are from overseas business, and the amount paid in foreign taxes is more than that paid in U.S. taxes. +1 The two are joine...
by stemikger
Sun Dec 07, 2014 9:30 am
 
Forum: Investing - Theory, News & General
Topic: Bogle Advises Investing No More Than 20% Outside U.S.
Replies: 106
Views: 11152

Re: Why do target date funds get so bond heavy?

Does anyone know the theory behind target date funds very heavy bond allocation at and after the target date has passed? Vanguard's 2010 fund is 62% bond. Research (Bengen, Pfau, etc) has shown that the safe withdrawal rate in retirement is maximized with a bond allocation of 50% to 70%. See page 1...
by stemikger
Sun Dec 07, 2014 9:21 am
 
Forum: Investing - Theory, News & General
Topic: Why do target date funds get so bond heavy?
Replies: 39
Views: 2688

Re: Disadvantages of not investing in bonds

Dear all, I have a simple question. I was wondering if you could tell me what are some of the disadvantages of *not* investing anything in bonds or other types of safe securities. I know it is generally said that you should invest in bonds (in terms of the percentage of your portfolio devoted to bo...
by stemikger
Sat Dec 06, 2014 4:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Disadvantages of not investing in bonds
Replies: 29
Views: 2512

Re: Dave Ramsey Only Invests in Mutual Funds that Beat the S

Bravo Lawlord! I was on Dave's show many years ago, there wasn't much he could tell me. I also contacted one of his ELPs and he recommended Index funds. LOL I agree about Dave's arrogance. It seems to be getting worse the minute someone questions him. Not that Dave is even close to John Bogle and Wa...
by stemikger
Sat Dec 06, 2014 10:07 am
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey Only Invests in Mutual Funds that Beat the S&P
Replies: 23
Views: 3253

Re: Documentaries to recommend?

Just watched the Manor - A peculiar Jewish family attempt to nurse their relationships and themselves back to health while running a small-town strip-club. So dysfunctional, it can't be described.
by stemikger
Sat Dec 06, 2014 9:46 am
 
Forum: Personal Consumer Issues
Topic: Documentaries to recommend?
Replies: 86
Views: 6829

Re: Documentaries to recommend?

Just recently saw these two. Magical Universe - This one was probably one of the weirdest documentaries I have ever seen. A little on the depressing side but fascinating and worth a watch. This captivating film reveals the wondrous world of a true American original: an 88-year-old, Barbie doll-obses...
by stemikger
Sat Dec 06, 2014 6:59 am
 
Forum: Personal Consumer Issues
Topic: Documentaries to recommend?
Replies: 86
Views: 6829

Re: Someone explain why bond funds are "safe?"

You are not alone - Warren Buffett agrees with you. See YouTube clip below: https://www.youtube.com/watch?v=1N3g47P-iRc Actually, if you read the substance of the OP, Warren does NOT agree with that. He says bonds everywhere, not bond funds. The OP thinks bond funds specifically are not safe, which...
by stemikger
Fri Dec 05, 2014 11:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Someone explain why bond funds are "safe?"
Replies: 33
Views: 2627

Re: should I buy in Record High? S&P 500

I have invested in the Market highs and lows consistently since 1981(Dow 960) and every point in between on the Dow march to its current number 17.962 give or take a few points :happy .Matter of fact ,I just purchased some shares of in index fund(not bonds). The point is,if you are investing for li...
by stemikger
Fri Dec 05, 2014 4:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: should I buy in Record High? S&P 500
Replies: 35
Views: 2672

Re: Amazon Echo (Alexa)

barton277 wrote:I did. Received the email on Wednesday, ordered that night and it showed up the next morning (a day earlier than promised).

BTW, in my opinion $199 is too much. After the introductory price goes up, I would wait until it offers more features.


Thanks! Hopefully I'll get an invite soon.
by stemikger
Fri Dec 05, 2014 10:09 am
 
Forum: Personal Consumer Issues
Topic: Amazon Echo (Alexa)
Replies: 40
Views: 5579

Re: Someone explain why bond funds are "safe?"

So I am thinking of putting a small amount of my portfolio in a bond fund. I've been doing research, and my understanding is that while individual bonds (if held to maturity) do not lose value, bond funds DO lose value if interest rates rise. If rates rise, the underlying NAV will go down (because ...
by stemikger
Fri Dec 05, 2014 3:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Someone explain why bond funds are "safe?"
Replies: 33
Views: 2627

Re: Amazon Echo (Alexa)

I like it so far. It's still in it's infancy and not all the features are there yet. Admittedly, I'm an Amazon fan boy. It's understood most of what I've asked it. The speaker is adequate but not amazing. Will it make my life better or easier? Doubtful. Is it a fun toy? Yes. Did you get it through ...
by stemikger
Fri Dec 05, 2014 3:15 am
 
Forum: Personal Consumer Issues
Topic: Amazon Echo (Alexa)
Replies: 40
Views: 5579

Re: Bogle Advises Investing No More Than 20% Outside U.S.

Hi Earlystart, This is nothing new. In Common Sense on Mutual Funds Mr. Bogle devotes an entire chapter to why he doesn't think international is necessary. I have been investing for 20 years now and have not directly invested in a seperate internatioal fund, I do not feel I'm missing out. Jack does ...
by stemikger
Fri Dec 05, 2014 3:13 am
 
Forum: Investing - Theory, News & General
Topic: Bogle Advises Investing No More Than 20% Outside U.S.
Replies: 106
Views: 11152

Re: Update: 6 years into Buffett's Bet With Hedge Funds

Great Post. I would be very hesitant to vote against Buffett and America. I remember on my honeymoon 22 years ago the front page of I believe it was Newsweek with the title has Buffett lost his touch. Since then I have seen several documentaries and it's hard to count how many times people have sai...
by stemikger
Thu Dec 04, 2014 12:12 pm
 
Forum: Investing - Theory, News & General
Topic: Update: 6 years into Buffett's Bet With Hedge Funds
Replies: 24
Views: 2711

Re: Stanley Kubrick's 2001 a space odyssey

bpp wrote:
oldzey wrote:The ending is even groovier with Pink Floyd: https://www.youtube.com/watch?v=i2uuRG9l1JA

Enjoy! :beer


Excellent!


+ 1 I missed this one! Very cool!
by stemikger
Thu Dec 04, 2014 11:01 am
 
Forum: Personal Consumer Issues
Topic: Stanley Kubrick's 2001 a space odyssey
Replies: 64
Views: 3958

Re: New Tony Robbins Book on Financial Freedom

I can't seem to find the time to read this book. Like I said in a previous post I have been jumping around. Maybe due to that fact, I find it confusing that in what part of the book he is talking about how Warren Buffett is saying bonds should come with a warning label and during the 2008 crisis bo...
by stemikger
Thu Dec 04, 2014 10:59 am
 
Forum: Investing - Theory, News & General
Topic: New Tony Robbins Book on Financial Freedom
Replies: 85
Views: 16348

Re: Update: 6 years into Buffett's Bet With Hedge Funds

Great Post. I would be very hesitant to vote against Buffett and America. I remember on my honeymoon 22 years ago the front page of I believe it was Newsweek with the title has Buffett lost his touch. Since then I have seen several documentaries and it's hard to count how many times people have said...
by stemikger
Thu Dec 04, 2014 10:57 am
 
Forum: Investing - Theory, News & General
Topic: Update: 6 years into Buffett's Bet With Hedge Funds
Replies: 24
Views: 2711

Re: Exercise machine for small apartment?

I'm a big fan of isometrics. I have three pieces of equipment I have been using for many years. http://bowproducts.com/ http://www.igripsports.com/ http://www.bodyblade.com/en/ If you decide to go the isometric route, you will not need to buy the bullworker and the I-Grip. I have been using the Bull...
by stemikger
Thu Dec 04, 2014 9:59 am
 
Forum: Personal Consumer Issues
Topic: Exercise machine for small apartment?
Replies: 21
Views: 2011

Re: New Tony Robbins Book on Financial Freedom

I just saw an interview with Tony Robbins and he was touting Index Funds. He relayed a story of a UPS man that never made more than $14K per year. And by investing 20% of his income he amassed a fortune of $70 Million Dollars in 50 years. I ran some brief numbers and found that by investing 20% of ...
by stemikger
Thu Dec 04, 2014 8:45 am
 
Forum: Investing - Theory, News & General
Topic: New Tony Robbins Book on Financial Freedom
Replies: 85
Views: 16348

Re: New Tony Robbins Book on Financial Freedom

I did buy Tony Robbins new book on Financial Freedom. I leafed through it last night and I came to some conclusions about the book. His book seems to be built on a few core ideas. 1) Bucketize your money into a safety bucket, a growth bucket, and a dreams bucket. (Sounds a bit like Ray Lucia). 2) C...
by stemikger
Thu Dec 04, 2014 8:00 am
 
Forum: Investing - Theory, News & General
Topic: New Tony Robbins Book on Financial Freedom
Replies: 85
Views: 16348
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