Bogleheads.org

^^^^^^
What he said

Thank you Taylor for the great reminders index funds have over active management

I rebalanced last night to get back to my AA, I bought more bonds

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...

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

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...

- 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...

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

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...

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?

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.

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?

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.

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...

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?

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

Here is mine
0.09%
   

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...

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...

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.

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...

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!

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.

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

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.

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...

TR Fund to match his AA - Simple one fund and low ER, broad diversification to US equities, foreign equities and total bond.

I use a MAC

I just rebalanced and bought more Treasuries! I am much more worried about equities right now.

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...

How about NAESX aka VSMAX in admiral shares. Index SC Blend, any reason not to choose this option vs. Other SC?

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?

So if the market (your portfolio) is down 10%, you would be down 12%

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...

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 -...

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...

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.

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

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 ...

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...

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.

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!

I fully agree with the above posts. Choose the right AA with TR funds, do not focus on the year.

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...

Vanguard Total Bond Market Index Inst Fund - 0.07%

This is what I am feeling!

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.

I am in the balanced fund but am considering the total bond to balance out my AA

I have heard that the "new" VGTSX is similar, and the ER ratio difference was enough for me to make the switch from the Vanguard FTSE All-World ex-US Index Fund.

johngunther wrote:
What expense ratio you typically see in your 401k funds?
John

About .10 or less if I stick with the VG institutional funds.

I've made a perfectly logic statement that is entirely accurate and you claim it is the stupidest thing you ever read. Your statement was void of meaning. "Investing in an index fund allows you to invest in an index fund. Nothing more" It was logical like, "Blue is blue". It add...

Briefs or Boxers?