Bogleheads.org

I have the same concerns--If I were you given your age --I would only be in a very short term bonds or the Vanguard GNMA fund. Bonds have been on an upswing for 30 years---moreover interest rates can only go up which will crush bonds. Please define "crush bonds". How risky do you think bo...

I would not touch the TBM--the average duration of the bonds if 6+ years. Bonds are very risky right now so if you need bonds I would go with a shorter duration bond fund or TIPS I wanted to ask for some advice as I tune-up my portfolio: Her's my previous post: http://www.bogleheads.org/forum/viewto...

I have the same concerns--If I were you given your age --I would only be in a very short term bonds or the Vanguard GNMA fund. Bonds have been on an upswing for 30 years---moreover interest rates can only go up which will crush bonds.

I currently have 40% of my Portfolio in the (Vanguard Total Bond Market Index I VBTIX) fund. I am worried about interest rates going up which will decrease the value of bonds. Therefore, I was thinking of purchasing the 2 bonds below and selling the total bond fund which I feel because of its holdi...

I currently have 40% of my Portfolio in the (Vanguard Total Bond Market Index I VBTIX) fund. I am worried about interest rates going up which will decrease the value of bonds. Therefore, I was thinking of purchasing the 2 bonds below and selling the total bond fund which I feel because of its holdi...

I currently have 40% of my Portfolio in the (Vanguard Total Bond Market Index I VBTIX) fund. I am worried about interest rates going up which will decrease the value of bonds. Therefore, I was thinking of purchasing the 2 bonds below and selling the total bond fund which I feel because of its holdin...

Both are quite low risk, low reward in the world of investing. But the TIPS is even lower risk, and lower reward. This isn't exactly true and another Boglehead will hopefully give you the nitty gritty details. I would be more cautious calling bonds low risk---bonds have undergone 3 decades of growt...

Do we need an estate plan such as a Will or Trust if all our assets are in Vanguard with up-to-date beneficiary designations ? We are married and currently retired. We have no children. Is it true that a Will is mostly for personal possessions like a vehicle, house and its contents ? YES YES YES---...

Okta, If you do buy in with $6000 in VTSMX when you carry a balance of over $10k Vanguard will change you to Admiral shares and the lower ER. One thing to think about is how much US equities is in your ISP. The 2050 fund will have a significant amount in it. That could make your overall amount high...

Default User BR wrote:The cart is way before the horse. Start with this:

http://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212


Brian

Totally agree--you need to understand why you are buying various funds, allocation etc

I might add a Vanguard Small Cap or REIT into your mix.

Hi All: this is my first post; I've read and enjoyed the forum entries over the past year or so. Here is my question: I have (what to me is) a good deal of money in the Vanguard intermediate bond fund VBILX. The NAV has been tanking lately, and I wonder if I should get out now (with about what I pu...

Buying 2 Condos does not make sense when you have 100K in a Home Equity Loan---if you want financial freedom pay off your debts--I do not get keep 220K in cash but having a 100K Home Equity and a 300+ mortgage. Have you taken into account HOA fees, property tax, repairs, etc etc etc. I think you mi...

Buying 2 Condos does not make sense when you have 100K in a Home Equity Loan---if you want financial freedom pay off your debts--I do not get keep 220K in cash but having a 100K Home Equity and a 300+ mortgage. Have you taken into account HOA fees, property tax, repairs, etc etc etc.

What I would do is refinance and get a 15 year fixed Mortgage--this will take 15 years off your mortgage--then pay some extra each month to the mortgage but keep on investing in all your taxable and non-taxable accounts.

[quote="nedsaid"]Ditto Total Stock Index.
Ditto Small Value Index.
Ditto REIT Index.
Ditto Total Bond Index.
Ditto I Bonds.

in my opinion Total Bond, Total International, REIT, SMALL Cap, Large Cap if you are very conservative remove Small Cap

Very interesting your take on REITs--I had the same question and was interested in adding a REIT--thank you After months of research including ~ 20 books and countless studies, articles, and history lessons my portfolio is modeled on Swensen's portfolio and is: 30% S&P 500 25% REIT 15% Internati...

Thank you so much for that explanation. I think you are right the 401K is best option for me. Really appreciate your comment.

I am interested in learning more about Roth 401K vs. SEP IRA options. Vanguard is very unique in having a Roth 401K. I have a small business just me and my business partner--no employees and less than $250K in profit. I have maxed out my Roth IRA with $5500 but wanted to be able to save more in a no...

Dear Bertilak, Thank you those are great points. I have really noticed the efficiency of my Vanguard accounts and I am trying to move my other accounts into Vanguard because of low fees, diversification and simplicity. I had my accounts managed at Merrill. My manager is retiring so I am now taking o...

John,

Thanks--I have updated my post

VLT

Dear Bertilak, Thank you--those are great questions that I need to reflect on. I also did not realize that a total stock fund has a REIT included even at 3%. It seems my portfolio has developed a Small Cap Tilt thru appreciation in prices. I do not think I want more bonds than the Total Bond Fund. T...

I would try to do both depending on your mortgage something like $200-300 for mortgage and the remaining for investment--if you can make 1 additional principal payment on your mortgage per year (26 Payment Plan) it will reduce your mortgage by about 7.5 years. You will need to see if your mortgage c...

Emergency funds: 1 Year + Debt: 140K left on Mortgage 15 Year Fixed will be paid off in 5 Years Tax Filing Status: Married Filling Jointly Tax Rate : 0 Live Overseas and I am tax exempt on first 92K State of Residence: 0 Age : 40 Desired Asset allocation : 75% stocks / 25% bonds Desired Internation...

Try Paytrust.com --Fantastic Service--Have used them for 10 years--just perfect

Great Article--thank you

Do not forget that you will not pay taxes on the first 92k of income as long as you meet the bona Fide residence test

Have you taken a look at Seeking Alpha, Jason Kelly's Newsletter, Dividends4Life, Dividendsvalue,

I don't plan to work off the books indefinitely but right now I have no choice. When I can find a better opportunity I will take it. I went from being excited to feeling very down about this now. This isn't the first investment book I've read btw and actually a few years ago took and passed the ser...

All investments have risk--if you want income you need to expose yourself to some risk--the point is to give ideas and the individual should evaluate the risk of the investment given their own circumstances and tolerance for risk. How about Vanguard Dividend Growth or Vanguard Total Bind Relatively ...

How about Vanguard Dividend Growth or Vanguard Total Bind

I personally like the following index funds Vanguard Total Market Vanguard Total Bond Vanguard Total International Vanguard Total Small Cap It is a simple portfolio that covers everything. Too many people end up suggesting in this forum 10-15 mutual funds in. I just think keeping simple works and ea...

I am not sure why Vanguard and Morningstar do not have an iPad app

Emergency funds = 12 months Debt: Mortgage 300K left (Home Value 1.1 million) Other Real Estate: 1.7 Million Etrade Account (Dividend Stocks Only): 150K Merrill Lynch Account: 300K Vanguard: 70K Tax Filing Status: Married filing Jointly Age: 40 Vanguard Total Bond Mkt Index Inv 18.5% Vanguard Divide...

Vanguard Total Bond
Vanguard total Small Cap
Vanguard Total International
Vanguard Dividend Growth

Really want to thank everyone for the replies. I really appreciate it

I currently have the Vanguard Total Bond in my Vanguard Portfolio--I was thinking of switching it to the Wellesly income because the yield is slightly higher with more potential for appreciation in price. Thoughts?