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Re: The Three Fund Portfolio

I like it, but don't think I could only hold 33% bond! I currently do age -10 for bonds and some days I think it is too conservative and other days not conservative enough. I am however a big time believer of the 3 fund portfolio as the foundation of a portfolio, I just spice mine up a little with s...
by tsturbo
Thu May 08, 2014 7:13 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 950
Views: 393682

Re: Car Advice

Acura
Honda

Would be my only choices if you are looking for reliability, longevity and resale :beer
by tsturbo
Sun May 04, 2014 8:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car Advice
Replies: 32
Views: 3059

Re: International allocation

Thank you all!
by tsturbo
Mon Aug 26, 2013 8:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: International allocation
Replies: 6
Views: 738

International allocation

Quick question,

Companies such as Vanguard and others reccomend a certain percentage of international

Is the percentage reccomended a % of total portfolio or just equities?

Example, VG reccomends 20% in international, I hold a 60/40 AA, should it be 20% of the 60% or 20% of 100%

Thank you
by tsturbo
Sun Aug 25, 2013 5:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: International allocation
Replies: 6
Views: 738

Re: High ER and Index fund results

^^^^^^
What he said

Thank you Taylor for the great reminders index funds have over active management
by tsturbo
Wed Apr 10, 2013 7:50 pm
 
Forum: Investing - Theory, News & General
Topic: High ER and Index fund results
Replies: 19
Views: 1589

Re: Rebalanced today

I rebalanced last night to get back to my AA, I bought more bonds :happy
by tsturbo
Thu Mar 14, 2013 9:46 pm
 
Forum: Investing - Theory, News & General
Topic: Rebalanced today
Replies: 22
Views: 2626

Re: Percent allocation to TIPS?

About 33% of my bond holdings are in VG intermediate tips. The other 2/3rds are held in VG US intermediate treasuries and and VG Total bond fund. I am a big believer in the 3 Fund portfolio, I just like my bonds having a mix of all 3 as I have access at institutional shares on one and admiral shares...
by tsturbo
Wed Feb 27, 2013 9:31 pm
 
Forum: Investing - Theory, News & General
Topic: Percent allocation to TIPS?
Replies: 25
Views: 4198

TF ER's when international bond kicks in?

This may have been discussed previously, but is it expected for the Target Retirement and Life Strategy ER's to remain the same or increase when the international bonds portion kicks in?

Thank you :beer
by tsturbo
Sun Feb 17, 2013 5:26 pm
 
Forum: Investing - Theory, News & General
Topic: TF ER's when international bond kicks in?
Replies: 2
Views: 203

Re: Target Retirement Funds to add international bonds

I don't really get why people are so worked up and against the change. If you don't want a "one fund solution" or a fund of funds portfolio, just dont own it. It's simple. Target Date Funds need tweaking - if only because they are a relatively new product. There will almost certainly be n...
by tsturbo
Tue Feb 12, 2013 9:12 pm
 
Forum: Investing - Theory, News & General
Topic: Target Retirement Funds to add international bonds
Replies: 76
Views: 9655

Re: What is your current Asset Allocation Policy and why?

- I think there is no realistic hope for the future. I doubt the current government (U.S. Constitution-based) will even exist in 30 years. If it does, I think there's a good chance it will steal the assets in my retirement accounts. - On the off chance that I'm wrong, I'll be rich. - Otherwise, I'l...
by tsturbo
Thu Jan 03, 2013 8:45 pm
 
Forum: Investing - Theory, News & General
Topic: What is your current Asset Allocation Policy and why?
Replies: 83
Views: 9381

Re: What is your current Asset Allocation Policy and why?

57% equities
2/3 total stock
1/3 total international

43% bonds
1/3 Tips
1/3 Intermediate Treasuries
1/3 Total bond

All Vanguard funds.
Age - 10 years for bond allocation until I reach age 60, then will do 50/50
by tsturbo
Sat Dec 29, 2012 9:40 am
 
Forum: Investing - Theory, News & General
Topic: What is your current Asset Allocation Policy and why?
Replies: 83
Views: 9381

Re: The Three Fund Portfolio

The Vanguard Total Bond Market Index Fund has been recommended as one of the 3 funds to use in the 3 fund portfolio. The VTBM has average risk and slightly below average return (1 year=5%, 3 year=6%) based on Morningstar. Some similar funds that are also compared against the Barclays US Bond benchm...
by tsturbo
Sun Oct 21, 2012 9:01 am
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 950
Views: 393682

What is your rebalance trigger?

My AA is 3% off from my target. Target is 57% equities and 43% bonds which is age in bonds - 10. Current AA has grown to 60% equities and bonds have decreased to 40%.

Is 3% a big enough difference and would you rebalance back to target at this point?
by tsturbo
Sun Feb 26, 2012 11:09 am
 
Forum: Investing - Help with Personal Investments
Topic: What is your rebalance trigger?
Replies: 40
Views: 2197

Re: Risk: 3-Fund vs. Slice/Dice?

Nobody mentioned ER, atleast I did not see it when I scanned all of the posts. Typically, the S&D will have a larger ER vs. a typical 3 fund, especially if you buy the Admiral shares. And as we all know, the higher ER will eat into more of the returns.
by tsturbo
Sun Jan 22, 2012 9:00 pm
 
Forum: Investing - Theory, News & General
Topic: Risk: 3-Fund vs. Slice/Dice?
Replies: 30
Views: 2221

More Dan Wiener in your inbox?

I usually get about one email a week from him, lately I have been getting about four. I stay subscribed as it is entertaining to see what he has to say, even though I have no plans to buy his newsletter or to use active managed funds. Maybe his business is down? :confused
by tsturbo
Sun Dec 11, 2011 3:32 pm
 
Forum: Investing - Theory, News & General
Topic: More Dan Wiener in your inbox?
Replies: 3
Views: 579

Re-Fi comparison calculator/website?

Looking for an refi calculator or a good ammoritization comparison site. Currently have a 30 year fixed at 4.75%, with 25 years to go, have been paying extra and will pay off in about 10-12 years. But with 15 year rates at 3.3% wondering if this may be a better way to go? This would be on about 180k.
by tsturbo
Sun Dec 04, 2011 4:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Re-Fi comparison calculator/website?
Replies: 6
Views: 289

If the late Steve Jobs had been managing Vanguard, would it have taken so many years to realign the 4 LS funds into a pure index allocation and offer the public these near perfect blends with automatic reallaction? I suspect the LS funds, within a couple of years, will be among the largest funds of...
by tsturbo
Thu Dec 01, 2011 9:31 pm
 
Forum: Investing - Theory, News & General
Topic: LifeStrategy funds going all-index
Replies: 76
Views: 10327

Re: What is your age and AA?

pinnacleplace wrote:ages 44 and 45

65% stock- 35% Bond

25% tsm
15% small cap
20% international
5%Emerging markets
25% TBM
5% TIPS


Your allocation above indicates 65% stock; 30% bond. The remaining 5% cash?
by tsturbo
Mon Oct 24, 2011 8:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: What is your age and AA?
Replies: 219
Views: 56285

Re: What is your age and AA?

52 him, 53 her

59% equities
43% TSM index
16% International index

41% bond
30% TBM index
5% Intermediate treasuries
6% Tips

All VG funds
by tsturbo
Mon Oct 24, 2011 12:27 am
 
Forum: Investing - Help with Personal Investments
Topic: What is your age and AA?
Replies: 219
Views: 56285

Here is mine
0.09%
   
by tsturbo
Thu Oct 13, 2011 10:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Whose portfolio has the lowest expense ratio?
Replies: 30
Views: 4630

Thoughts on VBIAX?

Admiral shares of VG balanced index fund, approx 60/40 equities to bonds. Bonds are predominately high quality and with admiral shares ER is very low, .12%. The new and improved life strategy funds as well as the TR funds was where I was leaning, but the lower ER of this fund has sparked an interest...
by tsturbo
Sat Oct 08, 2011 10:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Thoughts on VBIAX?
Replies: 2
Views: 1129

Taylor, I respect your opinions very much, but I am curious as to why you think the TR funds are better than the new and improved life strategy funds? They both hold the same 3 core index funds, I do realize that TR funds do add some TIP's as they get closer to the target date, is that why you consi...
by tsturbo
Fri Oct 07, 2011 9:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: fund advice
Replies: 12
Views: 1281

blevine wrote:See Consumer Reports, Subaru is now neck and neck with Honda for reliability (ahead of Toyota). They also get top crash test ratings from IIHS.

I have a 2000 Outback and only had the O2 sensor problem, nothing else.


Yeah, but CR just dissed the new Civic. I don't put much stock in CR.
by tsturbo
Sat Aug 06, 2011 11:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: When do Bogleheads get a new(er) car?
Replies: 55
Views: 6925

If you are really worried, it might be best to do a media blackout (ha, see how I worked the word "black" in there again? LOL) and not pay attention to any of the coverage. Go outside and go fishing. Take a hike. Read a book (preferable fiction that has nothing to do with finance) and oth...
by tsturbo
Sat Aug 06, 2011 9:57 am
 
Forum: Investing - Theory, News & General
Topic: Black Monday?
Replies: 158
Views: 18261

Mr. Bogle,

Thank you for all you have done and continue to do.

Do you still believe in holding the entire market, or do you believe one should tilt a little more than the market towards small cap in us equities and more international?

Best regards to you and your family!
by tsturbo
Mon Jul 04, 2011 12:14 pm
 
Forum: Investing - Theory, News & General
Topic: Q&A WITH JACK BOGLE AT BOGLEHEADS 10
Replies: 36
Views: 7782

Buy a Honda Civic, it is the Boglehead thing to do. Not only will you have excellent reliability, you will have excellent resale value as well. And your cost is very similar to the ford.
by tsturbo
Sun Jul 03, 2011 11:28 pm
 
Forum: Personal Consumer Issues
Topic: Is car worth buying?
Replies: 30
Views: 3270

campy2010 wrote:
joe8d wrote:
I think the fact that I do not understand one thing in the original post means that I am a true Boglehead.


2nd that.


+3, post might as well have been written in Chinese.


+4
by tsturbo
Wed Jun 22, 2011 8:13 am
 
Forum: Investing - Help with Personal Investments
Topic: I may be in over my head [options & taxes]
Replies: 28
Views: 3263

investor wrote:I prefer Wellington to Balanced Index, historically it has performed better.
_________________
Best Wishes,
SpringMan


+1...Me Too

investor


Yes, but you have to consider the added risk of it being an active fund, lower credit quality of the fixed income and the higher ER.
by tsturbo
Sun Jun 19, 2011 11:02 am
 
Forum: Investing - Theory, News & General
Topic: Burns Still Likes VG Balanced Index
Replies: 14
Views: 3683

His 401k (Schwab - work) - $39k – 14.6% Vanguard Target Retirement 2030 Fund (VTHRX) – 100% Are you planning on keeping your 401K in target date along with your wifes? As I said there are worse things than TD funds but ideally you would have this in your slice adn dice AA also. What is wrong with V...
by tsturbo
Mon Jun 13, 2011 10:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Sanity Check! Totally redoing portfolio. Please advise.
Replies: 9
Views: 2309

TR Fund to match his AA - Simple one fund and low ER, broad diversification to US equities, foreign equities and total bond.
by tsturbo
Sun Jun 12, 2011 3:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: $10-15K to play with -- what to invest in?
Replies: 11
Views: 1687

I use a MAC :lol:
by tsturbo
Sat Jun 11, 2011 6:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Protecting yourself against the worst case scenario
Replies: 20
Views: 2755

I just rebalanced and bought more Treasuries! I am much more worried about equities right now.
by tsturbo
Fri Jun 10, 2011 10:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond anxiety
Replies: 39
Views: 3828

VFIUX or VFIDX Int. bond admiral to compliment other bonds

One is investment grade, the other US Treasuries, same ER, both Admiral share. This would compliment my other bond holdings, which are 25% PImco Total Return (PTTRX), 25% VG Total Bond (VBTLX) and 25% VG Tips (VAIPX). What are your thoughts on Treasuries? I hear some saying time is right to buy them...
by tsturbo
Fri Jun 03, 2011 10:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: VFIUX or VFIDX Int. bond admiral to compliment other bonds
Replies: 3
Views: 639

How about NAESX aka VSMAX in admiral shares. Index SC Blend, any reason not to choose this option vs. Other SC?
by tsturbo
Mon Apr 11, 2011 9:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: For those who tilt with small cap...which VG fund?
Replies: 17
Views: 2876

For those who tilt with small cap...which VG fund?

And why you chose that particular fund?

What % of you equity portion do you devote to small cap? I was thinking about going 60% TSM, 20% Total Int. And 20% Small cap, or is 50, 25, 25 recommended?
by tsturbo
Sun Apr 10, 2011 10:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: For those who tilt with small cap...which VG fund?
Replies: 17
Views: 2876

So if the market (your portfolio) is down 10%, you would be down 12%
by tsturbo
Tue Apr 05, 2011 9:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Am I being Overcharged by my Broker ?
Replies: 33
Views: 4721

My question is why would you pay an advisor 1%/year of your assets when you can easily do the same thing yourself (with a few basic funds) for free? +1 No fees here. My overall ER for all of my accounts equals 0.14% You need to take your total ER, your fee(s) x your portfolio value x number of year...
by tsturbo
Tue Apr 05, 2011 8:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Am I being Overcharged by my Broker ?
Replies: 33
Views: 4721

I got a look at my parents' statements. The average expense ration was 1.06. Seems pretty high. Supposedly, though, these funds still beat their index and were in the top 25th percentile. Most have loads of around 4-5% too... 1.06 is quite high. It isn't difficult to get the average ER under 20bp -...
by tsturbo
Sun Mar 27, 2011 8:22 pm
 
Forum: Investing - Theory, News & General
Topic: Junk and International Bonds Safe for Pre-Retirees?
Replies: 24
Views: 2849

These make up the CORE of my retirement portfolio (I've added TIPS and REITS). The pros, in my view, are simplicity, low cost and broad diversification; the only con I can think of is less "fun" than more complex, expensive and concentrated. Same here. I also hold VG TR fund in my 401 rol...
by tsturbo
Sun Mar 27, 2011 10:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Total/Total/Total?
Replies: 25
Views: 2910

jumpin wrote:
bertie wooster wrote:Why not go with 100% in the appropriate Vanguard Target Retirement fund?


Fidelity contra fund is closed to new investors and it is doing well.

What about

TR 2025 60%
Contra fund 30%
PIMCO 10%

You don't quite understand what the VG TR fund is if you insist on having other funds with it.
by tsturbo
Sat Mar 26, 2011 10:11 pm
 
Forum: Investing - Theory, News & General
Topic: Would you consider this a good combo
Replies: 8
Views: 1441

bertie wooster wrote:Why not go with 100% in the appropriate Vanguard Target Retirement fund?


My thoughts exactly, therefore I did not vote in poll
by tsturbo
Sat Mar 26, 2011 10:10 pm
 
Forum: Investing - Theory, News & General
Topic: Would you consider this a good combo
Replies: 8
Views: 1441

Way, way, way too many funds. And way, way, way too high ER's, especially hers. I would consider a simple 3-4 fund VG index portfolio based on tsm, total bond and total int. If you feel like you need to tilt, add another fund like REIT or small cap. BTW, VG target retirement funds are an excellent ...
by tsturbo
Wed Mar 23, 2011 9:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Young couple with messy situation
Replies: 11
Views: 3472

Re: Thanks Taylor

We just want to develop a core equity portion of a few index funds which we will be comfortable with. The five I mentioned are just fine with us.I appreciated what you did in bringing out the diversification aspect of the Total Stock Market. Your thoughts are always respected by me. Thanks, Ken Hav...
by tsturbo
Tue Mar 22, 2011 10:20 pm
 
Forum: Investing - Theory, News & General
Topic: Slice and Dice approach
Replies: 30
Views: 4401

VG VBTSX is always a great choice at a low ER. I also like PTTRX, but cannot justify the ER which is almost 4x the VG fund.
by tsturbo
Mon Mar 21, 2011 8:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving away from 100% Stocks
Replies: 13
Views: 2362

The VG TR funds are very straight forward. Three total market low cost index funds with a low ER, what is not to like? Look under the hood of other company TR funds and you will see what I mean. VG does it right IMO. 3fund portfolio from VG ROCKS!
by tsturbo
Fri Mar 18, 2011 10:42 pm
 
Forum: Investing - Theory, News & General
Topic: VG Target Retirement Funds
Replies: 14
Views: 2397

I fully agree with the above posts. Choose the right AA with TR funds, do not focus on the year.
by tsturbo
Fri Mar 18, 2011 10:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: International funds in Target Retirement Fund too high
Replies: 6
Views: 1313

Since you gave us Morningstar links, I used them. Flipped to the chart tab, and put all three funds on the same chart. 1) PTRAX (Pimco Total Return) has the best results over the 10 year and 20 year periods. It also has the lowest average credit quality. This is a candidate, but having the lowest q...
by tsturbo
Sun Feb 27, 2011 10:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which bond fund for 401k?
Replies: 5
Views: 1101

Vanguard Total Bond Market Index Inst Fund - 0.07%

This is what I am feeling!
by tsturbo
Sun Feb 27, 2011 8:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond Funds in 401k
Replies: 7
Views: 1566

I am 50% total bond, 1/4 tips and 1/4 int treasuries and feel good about this allocation in my bond portion.

My equity position is very simple also, 2/3 TSM & 1/3 Total Int. All VG of course, in admiral and institutional.
Simplicity at it's best.
by tsturbo
Sun Feb 27, 2011 8:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which bond fund for 401k?
Replies: 5
Views: 1101

I am in the balanced fund but am considering the total bond to balance out my AA
by tsturbo
Sun Feb 27, 2011 8:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Making the best of Vanguard Variable Annuity (VVA) choices
Replies: 8
Views: 1415
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