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Re: Money market vs bonds

I concur with some of the above: It's risky to constantly second-guess your investments because of this week's market news. Because it will never stop. Take a deep breath, take a long look at the Investment Plan, and if it really needs updating, then do so. I'm a few years older than you, still work...
by steve roy
Sun Feb 01, 2015 3:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Money market vs bonds
Replies: 9
Views: 333

Re: Investing in Russia - Please Discuss

I'm still sitting on a stash of Confederate bonds, hoping they'll come back.

No luck so far, but I think positive thoughts.
by steve roy
Mon Jan 26, 2015 4:18 pm
 
Forum: Investing - Theory, News & General
Topic: Investing in Russia - Please Discuss
Replies: 12
Views: 983

Re: Slice and Dice with Etf and Admiral?

Our portfolio has a lot of these pieces. Total Stock Admiral. Small Cap Value Admiral. International Small Cap ETF (to avoid the extra charge.) If you plan to buy and hold (we do this), then I wouldn't sweat conversion to ETF shares from Admiral. And it's really the same big fund, so why have misgiv...
by steve roy
Mon Jan 26, 2015 4:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Slice and Dice with Etf and Admiral?
Replies: 8
Views: 642

Re: 60/40 returns with 0 downside: the Ultimate Larry Portfo

Does Larry know of this?

Because I think his official Larry portfolio is a wee bit different.
by steve roy
Mon Jan 26, 2015 4:04 pm
 
Forum: Investing - Theory, News & General
Topic: 60/40 returns with 0 downside: the Ultimate Larry Portfolio
Replies: 16
Views: 3044

Re: Time to stop driving for 85 yo MIL

We had this problem with my grandfather. He was ticked, but he was a danger to others. Early dimentia. My father ended-up disconnecting the battery------he'd be sitting in his car bewildered why the car wouldn't start. It was really a very very sad ending to the greatest man I have even known .... ...
by steve roy
Mon Jan 26, 2015 4:00 pm
 
Forum: Personal Consumer Issues
Topic: Time to stop driving for 85 yo MIL
Replies: 69
Views: 3697

Re: Time to stop driving for 85 yo MIL

We took the keys away from my mother when she was 88 1/2. A total struggle. She resisted fiercely, but she had mild dementia and her three kids and doctor didn't want an avoidable accident to happen. We reported her to the DMV, they had her take a written and driving test, but she passed both. Then ...
by steve roy
Mon Jan 26, 2015 9:10 am
 
Forum: Personal Consumer Issues
Topic: Time to stop driving for 85 yo MIL
Replies: 69
Views: 3697

Re: What Experts Say [about various investing topics]

I would say, "Many Happy Returns," but it appears that Jack Bogle and Vanguard have already given you those.

HAPPY BIRTHDAY!
by steve roy
Sun Jan 25, 2015 9:28 pm
 
Forum: Investing - Theory, News & General
Topic: What Experts Say [about various investing topics]
Replies: 51
Views: 3365

Re: Portfolio review / paying debt vs investing with a windf

Re your question #1: The Mrs. and I have a similar conundrum about paying off a mortgage with an incoming chunk of money, also in the six figures. My inclination is to keep the mortgage because it's a tax deduction. Me, I would put your low six-figure windfall to work in Vanguard investments and rol...
by steve roy
Sun Jan 25, 2015 9:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review / paying debt vs investing with a windfall
Replies: 9
Views: 752

Re: What age did you pay off your "forever" home

Don't believe in "forever" homes, but only in houses that suit needs ... until they don't. While single, I bought a 950 square foot house that, with wife and children, became too small. Sold it after a few years and purchased a fixer-upper that we've lived in for twenty-one winters. That a...
by steve roy
Wed Jan 21, 2015 2:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age did you pay off your "forever" home
Replies: 52
Views: 4062

Re: “How Does Aging Affect Financial Decision Making?”

My mother became unable to manage her money-house-driving-shopping in her late eighties. Happily, she had children to step in and assist, which they did. She now lives in an adult/assisted care living situation, and is doing pretty okay. But the decline of competence took place over several years, a...
by steve roy
Tue Jan 20, 2015 6:01 pm
 
Forum: Investing - Theory, News & General
Topic: “How Does Aging Affect Financial Decision Making?”
Replies: 54
Views: 2770

Re: Honda Civic vs Fit Safety Question

Good and interesting test, but what we have here is a 2008 Accord (not Civic) vs. a 2008 Fit (not redesigned 2015). So the relevance is not strong. OP said "the latest US News Ranking shows an exceptionally high [safety] rating for the Fit". The video shows what happens when a subcompact ...
by steve roy
Sun Jan 18, 2015 11:34 pm
 
Forum: Personal Consumer Issues
Topic: Honda Civic vs Fit Safety Question
Replies: 55
Views: 3341

Re: Honda Civic vs Fit Safety Question

CFM300 wrote:https://www.youtube.com/watch?v=XPFdQqOLkuA


Good and interesting test, but what we have here is a 2008 Accord (not Civic) vs. a 2008 Fit (not redesigned 2015).

So the relevance is not strong.
by steve roy
Sun Jan 18, 2015 1:02 am
 
Forum: Personal Consumer Issues
Topic: Honda Civic vs Fit Safety Question
Replies: 55
Views: 3341

Re: Short term bonds in rising interest rates?

Even if the Fed begins the process of raising interest rates in 2015 what will be the impact on short-term bonds versus intermediate-term bonds? What happened with short versus intermediate bonds the last time (2003-2006) the Fed raised interest rates substantially? You should probably compare the ...
by steve roy
Sun Jan 18, 2015 12:29 am
 
Forum: Investing - Theory, News & General
Topic: Short term bonds in rising interest rates?
Replies: 26
Views: 2588

Re: Can't purchase Index funds at Ameriprise?

You'll find their mission statement buried on their website somewhere:

"Our unending goal: The orderly transfer of assets ... from your pocket to ours."
by steve roy
Sun Jan 18, 2015 12:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Can't purchase Index funds at Ameriprise?
Replies: 11
Views: 954

Re: Survey - Men Who Exercise At a Gym

In the gym, I wear t-shirt and shorts. I'm there for the weight machines and free weights, nothing else. My cardio is done out in the fresh air and sunshine, so I don't do much sweating.
by steve roy
Sat Jan 17, 2015 9:00 pm
 
Forum: Personal Consumer Issues
Topic: Survey - Men Who Exercise At a Gym
Replies: 23
Views: 2633

Re: Eliminating the "Face Palm" Icon

I come down in favor of broad diversification of symbols. The broadest possible.

So keep the face palm. It gives participants a wider choice, and isn't that what the forum is about? Diversification? Choice? Taking one of numerous roads to Dublin?
by steve roy
Fri Jan 16, 2015 5:50 pm
 
Forum: Forum Issues and Administration
Topic: Eliminating the "Face Palm" Icon
Replies: 33
Views: 2061

Re: Wellington Fund as primary retirement investment

I've put my mother in a 30/70 allocation -- Total Stock Market, Total International, Intermediate Tax Exempt. She's done well with this, has more money than when she started, and is pulling out two grand a month (previously it was five grand a month, either way she is still ahead.) But even simpler?...
by steve roy
Thu Jan 15, 2015 5:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Wellington Fund as primary retirement investment
Replies: 29
Views: 4735

Re: Small Cap Value worth it?

My asset allocation is 30% stocks/70% bonds. Within that, I tilt 70% domestic stock, 30% international Within that , I tilt 50% TSM/50% small cap value. With international it's a 50/50 split 'twixt large and small cap. This is, more or less, a combination of Larry Swedroe's "eliminating fat tai...
by steve roy
Thu Jan 15, 2015 5:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Small Cap Value worth it?
Replies: 33
Views: 3844

Re: Am I on the right track?

Does the employer's account have to include the American Funds at .3%. It's not bad, but the Vanguard Institutional Index would be a bit better over time, methinks.

But overall, you're on the right track. Just keep chugging along.
by steve roy
Sun Jan 11, 2015 11:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Am I on the right track?
Replies: 4
Views: 664

Re: 2015 BOGLEHEAD CONTEST REGISTRATION

$2383.38
by steve roy
Sat Jan 10, 2015 12:33 pm
 
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEAD CONTEST REGISTRATION
Replies: 556
Views: 19756

Re: Marketcap vs. FACTOR indexing

Hello and Happy New Year to everyone who contributed to this thread. In logically thinking this over again, FACTOR index is the way to go if you want any chance to beat the market. If you invest in the entire market, you will never have any chance of any ALPHA (beating the market). FACTOR investing...
by steve roy
Wed Jan 07, 2015 12:32 pm
 
Forum: Investing - Theory, News & General
Topic: Marketcap vs. FACTOR indexing
Replies: 15
Views: 1631

Re: Is "stay the course" a commandment or a suggestion?

Stay the Course = "Remain on the path to investing salvation ... with prudent adjustments along the way."
by steve roy
Mon Jan 05, 2015 6:57 pm
 
Forum: Investing - Theory, News & General
Topic: Is "stay the course" a commandment or a suggestion?
Replies: 60
Views: 4087

Re: "The Most Successful Investors Leave Their Money Alone"

Along the same lines: Fidelity did a study showing that Fidelity's most successful investors were those who had forgotten they had an investment account at Fidelity. Well, that sure flies right into the face of their advisory service, who just LOVE to trade. Thanks for the link; forwarded to somebo...
by steve roy
Mon Jan 05, 2015 11:03 am
 
Forum: Investing - Theory, News & General
Topic: "The Most Successful Investors Leave Their Money Alone"
Replies: 30
Views: 5334

Re: "The Most Successful Investors Leave Their Money Alone"

Along the same lines: Fidelity did a study showing that Fidelity's most successful investors were those who had forgotten they had an investment account at Fidelity.
by steve roy
Sun Jan 04, 2015 11:13 am
 
Forum: Investing - Theory, News & General
Topic: "The Most Successful Investors Leave Their Money Alone"
Replies: 30
Views: 5334

Re: To a novice, do you recommend TSM or 500 for indexing?

In the long term, either fund is fine, because their returns will be reasonably close to identical. (But given a choice, I would opt for TSM.)
by steve roy
Sat Jan 03, 2015 9:29 am
 
Forum: Investing - Theory, News & General
Topic: To a novice, do you recommend TSM or 500 for indexing?
Replies: 39
Views: 2250

Re: Vanguard's best fund: Healthcare?

It's a great fund in the sense that it's made a lot of money over a long period of time. And, I donno, maybe that's the only sense that counts. But VG Healthcare is a little like owning a great single stock. For instance Microsoft back in the day. Or Apple. It's an actively managed sector fund. And ...
by steve roy
Sat Jan 03, 2015 3:03 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard's best fund: Healthcare?
Replies: 60
Views: 7031

Re: [Annual POLL] What was your 2014 return?

Vanguard Personal Rate of Return has us at 3.8%. That includes a small cap value tilt, and a generous dollop of short-term TIPS, which didn't do well. Over three years (with the same 30% stock/70% bonds) the return has been 4%. Not great, but adequate. The wife's Target Income (same 30/70) did consi...
by steve roy
Fri Jan 02, 2015 2:07 am
 
Forum: Investing - Theory, News & General
Topic: [Annual POLL] What was your 2014 return?
Replies: 144
Views: 14212

Re: Rick Ferri's 60/40 portfolio mix

Rick Ferri made a point of saying at the last Bogleheads' forum that developing a viable investment plan AND STICKING WITH IT was as important as anything. In answer to a question, Rick said slice and dice ... or Three Fund ... or small cap value tilting ... is less important than executing your pre...
by steve roy
Thu Jan 01, 2015 5:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rick Ferri's 60/40 portfolio mix
Replies: 26
Views: 5578

Re: POLL: How do you make important investment decisions?

Simple ideas, simple concepts. I'm focused on A) asset allocation and B) small cap value tilt. I tend not to jettison anything I've acquired, but simply add more of something else. I've got more bond funds (both short and intermediate) than I likely need, but I've come to know that multiple bond fun...
by steve roy
Tue Dec 30, 2014 7:59 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: How do you make important investment decisions?
Replies: 27
Views: 2806

Re: What Movie Have You Recently Watched?

Noah ... pretty good flick. Not your normal biblical epic from the fifties.
by steve roy
Tue Dec 30, 2014 5:34 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 477
Views: 56577

Re: when do you start focusing on your retirement "number"

When I was in my twenties I couldn't even visualize retirement, and wouldn't have known what a "retirement number" was if you'd hit me in the back of the head with one. My first long-term job, an older worker stopped me in the hall and told me to "be sure and stay in the union pension...
by steve roy
Sun Dec 28, 2014 11:16 am
 
Forum: Investing - Help with Personal Investments
Topic: when do you start focusing on your retirement "number"
Replies: 34
Views: 3373

Re: What price are you planning to pay for your next car?

We bought a 2005 Saturn Vue with a Honda 6 cylinder engine for $5400 three months ago. Vehicle is in excellent shape with 75,000 miles on it. The younger kid is driving it, but I'm tempted to drive it myself since my wheels are a 2004 Saturn Vue (4 cylinder) with 100,000 miles. I have a gift for dri...
by steve roy
Sat Dec 27, 2014 1:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: What price are you planning to pay for your next car?
Replies: 91
Views: 6986

Re: Bonus how much do you spend vs save?

Minimal bonuses here, just straight, boring salary. But we try to save 25-30% of our wages.

The Mrs. And I are both fortunate in having industry pensions that have a defined benefit component AND a defined contribution. Plus we can access a 401(k) plan. (Lucky us.)
by steve roy
Fri Dec 26, 2014 4:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bonus how much do you spend vs save?
Replies: 50
Views: 4906

Re: What "actively" managed funds do you own?

Own a chunk of Wellesley and multiple Vanguard bond funds, some of which are not, strictly speaking, index funds. So my indexed holdings are only 60%, but that percentage will be going up over time.

My ER is 12%.
by steve roy
Mon Dec 22, 2014 2:10 am
 
Forum: Investing - Help with Personal Investments
Topic: What "actively" managed funds do you own?
Replies: 82
Views: 4831

Re: Need Cash if Hold Target or LS FUND ?

I plan to have 3-4 years of cash in Prime Money Market when I retire in 2017 so that we don't have to touch investment accounts. Seems only prudent.
by steve roy
Sun Dec 21, 2014 11:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Need Cash if Hold Target or LS Fund ?
Replies: 6
Views: 599

Re: Yahoo mail

Yahoo e-mail is running like a Swiss watch from my end.
by steve roy
Fri Dec 19, 2014 1:16 pm
 
Forum: Personal Consumer Issues
Topic: Yahoo mail [problems]
Replies: 29
Views: 2144

Re: At what age did you find dream job?

Got the dream job writing animated features at 27.

Lost the dream job, age 37.

Went on to various other jobs, ending in a gig that lasted from age 40 to retirement.
by steve roy
Sat Dec 13, 2014 11:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: At what age did you find dream job?
Replies: 32
Views: 2779

Re: What is your opinion about "tilting?"

I tilt, and I think the Vanguard funds are "good enough". I also think the Three-Fund is also "good enough", and that most people would be as well off using the TFP because it's simplicity will assist many in not lousing up an investment program. (Chasing high-performing sectors ...
by steve roy
Sat Dec 13, 2014 8:01 pm
 
Forum: Investing - Theory, News & General
Topic: What is your opinion about "tilting?"
Replies: 116
Views: 9383

Re: Why are high 401k fees maintained in competitive equilib

I've been a trustee on a 401(k) Plan with 2350 participants and $220 million in assets for fifteen years; here's some of what I've learned: A small plan, maybe one that's just starting or one attached to a small company, is going to have higher fees because the limited amount of dollars being admini...
by steve roy
Thu Dec 11, 2014 7:48 am
 
Forum: Investing - Theory, News & General
Topic: Why are high 401k fees maintained in competitive equilibrium
Replies: 46
Views: 2401

Re: Wellesley acutally outperforms Total Market/Intermed. Ta

Yes, Wellesley has had a good run; therefore we write about it. I'm so old, I can remember when we were chatting about the Harry Browne "Permanent Portfolio", back in those halcyon long-ago times. But now the PP is a Weak Sister, return wise, so it has fallen off the radar. Funny how that ...
by steve roy
Mon Dec 08, 2014 3:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Wellesley acutally outperforms Total Market/Intermed. Tax Ex
Replies: 5
Views: 994

Re: Do I need diversification with a small balance? (extensi

Your strategy is okay. Max out, if possible, the 401(k), because free money is being offered. Put something in the Roth; that serves you well long term. On the investment side, put everything in Total Stock Market and let it ride. When you get a bigger nut, you can get fancier if you like, but diver...
by steve roy
Sun Dec 07, 2014 11:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Do I need diversification with a small balance? (extensive)
Replies: 8
Views: 480

Re: What percent "Boglehead" are you?

Vanguard says I am 56% pure, if we judge Boglishness by level of indexing. But (sadly?) I have a few non-index bond funds, and a large slug (7%) of Wellesley, and I'm keeping it.

Which makes me, I guess, an infidel.
by steve roy
Sun Dec 07, 2014 11:08 am
 
Forum: Investing - Theory, News & General
Topic: What percent "Boglehead" are you?
Replies: 125
Views: 10251

Re: Small,Mid,Sp500 vs total stock market : VANGUARD

I lean toward equal-weighting large cap, mid cap, and small cap index funds (with a small-cap value tilt). It's worked for me, but there's much to be said for broad, cap weighted holdings in the Total Stock Market and Total International Stock index funds. In the end, I think, your stock to bond rat...
by steve roy
Sun Nov 30, 2014 10:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Small,Mid,Sp500 vs total stock market: Vanguard
Replies: 23
Views: 2044

Re: Small cap value premium

A small point sometimes overlooked in all the back and forth: When somebody says: "Small cap value under-performed large cap for 18 years", the inattentive might take that to mean small cap value did horribly, when in fact it could mean that SCV went up 11% while the S & P 500 went up,...
by steve roy
Thu Nov 27, 2014 1:23 am
 
Forum: Investing - Theory, News & General
Topic: Small cap value premium
Replies: 150
Views: 20015

Re: Portfolio Review- need to tighten up

Most of what you have is pretty decent, but I would lose (if it doesn't cost you a bundle in taxes) the Vanguard Global Equity in taxable. It's got 45% annual turnover, not good. And it's ER is high. Why not replace it with an international index ... or VG international small cap ETF?
by steve roy
Wed Nov 26, 2014 10:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review- need to tighten up
Replies: 5
Views: 1204

Re: Corporate bond funds? Tips? Long term bond funds? Yes or

I roll with 65% Vanguard Intermediate Term, and 35% Vanguard Short Term. And smatterings of other bond funds because I (we) don't sell anything.
by steve roy
Wed Nov 26, 2014 9:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Corporate bond funds? Tips? Long term bond funds? Yes or no?
Replies: 17
Views: 1663

Re: Favorite nonfiction books

"Life on the Mississippi" by Mark Twain. I think it's Twain's best book. The first half recounts Samuel Clemens years as a cub pilot and pilot on the Big River, and was originally a series of articles in Harper'ss Monthly titled "Old Times on the Mississippi." Seven years later, ...
by steve roy
Wed Nov 26, 2014 8:41 pm
 
Forum: Personal Consumer Issues
Topic: Favorite nonfiction books
Replies: 117
Views: 10369

Re: Freakonomics approach to 401(k) choices

There is always an investment better than your investment. Just like there's always somebody cuter/ smarter/ richer/ more socially adept than you are. But you're on your road, not theirs. Travel on your road to the best of your ability. Research your asset allocation strategy, then execute it. And k...
by steve roy
Sun Nov 23, 2014 4:48 pm
 
Forum: Investing - Theory, News & General
Topic: Freakonomics approach to 401(k) choices
Replies: 27
Views: 2757

Re: What Movie Have You Recently Watched?

"The Judge" with Robert Downey Jr. and Robert Duvall. Somewhat of a down-trip story about a Chicago lawyer returning to his rural, small-town and clashing with his father. Engrossing as it unspools, the movie doesn't quite come together. ( There's too many characters with too many back sto...
by steve roy
Wed Nov 19, 2014 1:29 am
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 477
Views: 56577
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