That’s what I mean. Avantis needs to include the REIT fund in AVGE because their other stock ETFs (NOT ETF of ETFs) such as AVUS or AVUV exclude REITs
Search found 297 matches
- Sun Mar 17, 2024 12:12 pm
- Forum: Investing - Theory, News & General
- Topic: Comparing VT, AVGE, and AVGV
- Replies: 21
- Views: 2125
Re: Comparing VT, AVGE, and AVGV
- Sun Mar 17, 2024 11:58 am
- Forum: Personal Investments
- Topic: All-in-one fund recommendations
- Replies: 49
- Views: 5808
Re: All-in-one fund recommendations
In addition to Vanguard Total World, consider DFAW and AVGE
- Sun Mar 17, 2024 11:57 am
- Forum: Personal Investments
- Topic: All-in-one fund recommendations
- Replies: 49
- Views: 5808
Re: All-in-one fund recommendations
In addition to Vanguard Total World, consider DFAW and AVGE
- Sun Mar 17, 2024 11:47 am
- Forum: Investing - Theory, News & General
- Topic: Comparing VT, AVGE, and AVGV
- Replies: 21
- Views: 2125
Re: Comparing VT, AVGE, and AVGV
It’s an interesting topic for me as well. I think DFAW (Dimensional World Equity ETF) should be included here. I believe REITs are already included in VT. Avantis and Dimensional Fund Advisors (DFA) don’t include REITs in any of their stock funds. That is why REIT funds have to be added exclusively to their funds-of-funds (or ETFs-of-ETFs).
- Sun Mar 17, 2024 11:40 am
- Forum: Investing - Theory, News & General
- Topic: Fidelity introducing automatic ETF investing
- Replies: 160
- Views: 28781
Re: Fidelity introducing automatic ETF investing
It’s great Fidelity is allowing automatic investing of ETFs. It would even be greater if Fidelity and others allow systematic withdrawal of ETFs. Also, it would be great if free automatic rebalancing is implemented just it is for M1 Finance.
- Sun Mar 17, 2024 11:33 am
- Forum: Personal Investments
- Topic: Asset allocation for "bridge funds" to be used from age 50-59.5?
- Replies: 16
- Views: 2100
Re: Asset allocation for "bridge funds" to be used from age 50-59.5?
What is a “bridge fund”?
- Sat Mar 16, 2024 5:06 pm
- Forum: Investing - Theory, News & General
- Topic: Article: "Why "VT and Chill" Is Probably the Best ETF Investing Strategy Out There"
- Replies: 69
- Views: 19175
Re: Article: "Why "VT and Chill" Is Probably the Best ETF Investing Strategy Out There"
How about “DFAW and chill” or “AVGE and chill” instead of “VT and chill”?
For a taxable account, how about a combo of DFAW and GOVT?
I even was wondering how the 60/40 combo would work in a taxable account: viewtopic.php?t=425994
For a taxable account, how about a combo of DFAW and GOVT?
I even was wondering how the 60/40 combo would work in a taxable account: viewtopic.php?t=425994
- Mon Mar 04, 2024 1:31 pm
- Forum: Personal Investments
- Topic: Best Bond Fund for 3 Fund Portfolio in Taxable Account
- Replies: 21
- Views: 3976
Re: Best Bond Fund for 3 Fund Portfolio in Taxable Account
It depends on tax bracket:
At the lowest, either GOVT or any intermediate term treasury bond index fund/ETF.
At the highest, a broad maturity high quality national municipal bond fund/ETF. If one is concerned about credit risk and/or default risk, then a lower duration/maturity (short/ultrashort term) national municipal bond fund/ETF.
In general, I don’t recommend corporate bond funds or mortgage backed bond funds for taxable accounts.
At the lowest, either GOVT or any intermediate term treasury bond index fund/ETF.
At the highest, a broad maturity high quality national municipal bond fund/ETF. If one is concerned about credit risk and/or default risk, then a lower duration/maturity (short/ultrashort term) national municipal bond fund/ETF.
In general, I don’t recommend corporate bond funds or mortgage backed bond funds for taxable accounts.
- Sun Mar 03, 2024 10:27 pm
- Forum: Non-US Chapters
- Topic: Is there a U.K bogleheads Chapter??
- Replies: 41
- Views: 25554
- Sun Mar 03, 2024 10:08 pm
- Forum: Investing - Theory, News & General
- Topic: At what tax rate do Munis make sense?
- Replies: 66
- Views: 11652
Re: At what tax rate do Munis make sense?
At what tax rate do Munis make sense? Munis and treasuries are two different animals. . . . Treasuries, on the other hand, are considered to have no credit risk. I agree you need to compare like to like. The problem is that with total bond, munis (AAA/AA) and treasuries are difficult to compare. Clearly, treasuries are safer. I'd be really curious to hear everyone's thoughts on the following: Only for the highest tax bracket, if you're comfortable with the additional risk. That's because . . . Municipal bonds (munis) don’t offer their tax benefit without any downsides; that tax benefit has a downside. Munis may have more risk than higher-quality bonds. We saw this during the 2020 coronacrash, for example - with various muni funds (VWAHX, V...
- Sun Mar 03, 2024 10:01 pm
- Forum: Personal Investments
- Topic: Avge or VT?
- Replies: 23
- Views: 2187
Re: Avge or VT?
Between these two ETFS, I’d choose AVGE
Here is my list of all-in-one equity-only ETFs, in descending order of preference:
1. DFAW
2. AVGE
3. VT
Here is my list of all-in-one equity-only ETFs, in descending order of preference:
1. DFAW
2. AVGE
3. VT
- Sat Mar 02, 2024 9:51 pm
- Forum: Investing - Theory, News & General
- Topic: Vanguard Announces CEO Retirement and Appointment of President
- Replies: 372
- Views: 36439
- Sat Mar 02, 2024 5:44 pm
- Forum: Investing - Theory, News & General
- Topic: Two ETF portfolio for taxable accounts: 60% equities, 40% fixed income; my pick: 60% DFAW, 40% GOVT
- Replies: 6
- Views: 1245
Two ETF portfolio for taxable accounts: 60% equities, 40% fixed income; my pick: 60% DFAW, 40% GOVT
Hello,
For a taxable account 2 ETF portfolio of 60% equities 40% fixed income (60-40), my pick is:
60% DFAW https://www.dimensional.com/us-en/fund ... equity-etf
40% GOVT https://www.ishares.com/us/products/239468/
What does everyone this of these two ETFs for the 60-40 portfolio? If you could only build a two-ETF portfolio in a taxable account only (no IRAs, 401ks, HSAs, or 529 plans please; better yet pretend that the taxable account is your only account containing all your investments) with only one equity ETF and only one fixed income ETF, which two ETFs would you use and why? Looking forward to everyone’s thoughts!! TIA!!
For a taxable account 2 ETF portfolio of 60% equities 40% fixed income (60-40), my pick is:
60% DFAW https://www.dimensional.com/us-en/fund ... equity-etf
40% GOVT https://www.ishares.com/us/products/239468/
What does everyone this of these two ETFs for the 60-40 portfolio? If you could only build a two-ETF portfolio in a taxable account only (no IRAs, 401ks, HSAs, or 529 plans please; better yet pretend that the taxable account is your only account containing all your investments) with only one equity ETF and only one fixed income ETF, which two ETFs would you use and why? Looking forward to everyone’s thoughts!! TIA!!
- Sat Mar 02, 2024 5:24 pm
- Forum: Investing - Theory, News & General
- Topic: At what tax rate do Munis make sense?
- Replies: 66
- Views: 11652
Re: At what tax rate do Munis make sense?
At what tax rate do Munis make sense? Munis and treasuries are two different animals. . . . Treasuries, on the other hand, are considered to have no credit risk. I agree you need to compare like to like. The problem is that with total bond, munis (AAA/AA) and treasuries are difficult to compare. Clearly, treasuries are safer. I'd be really curious to hear everyone's thoughts on the following: Only for the highest tax bracket, if you're comfortable with the additional risk. That's because . . . Municipal bonds (munis) don’t offer their tax benefit without any downsides; that tax benefit has a downside. Munis may have more risk than higher-quality bonds. We saw this during the 2020 coronacrash, for example - with various muni funds (VWAHX, V...
- Mon Jan 22, 2024 7:31 am
- Forum: US Chapters
- Topic: 🎁 🎉Happy 100th Birthday to Taylor Larimore 🎊🎂
- Replies: 429
- Views: 43334
Re: 🎁 🎉Happy 100th Birthday to Taylor Larimore 🎊🎂
Happy amazing 100th birthday!! Best wishes!! I’d love to hear the secret of how you were able live a 100 years when many others couldn’t.
- Thu Jan 11, 2024 3:39 pm
- Forum: Investing - Theory, News & General
- Topic: Trading Cryptocurrency (Bitcoin ETFs) - Bogleheads forum policy remains unchanged
- Replies: 47
- Views: 7663
I don’t agree with Vanguard barring its clients from purchasing spot cryptocurrency ETFs
[Thread merged into here --admin LadyGeek]
I understand that Vanguard is a client owned company and is trying to protect investors from themselves. I don’t agree with any brokers barring its clients from purchasing certain products. I agree that any investor who buys an investment product needs to know the risks, and I agree that cryptocurrency is way more risky than a diversified portfolio of stocks. I also appreciate the wiki information on the Boglehead’s site on this topic. Although I would like to buy spot cryptocurrency ETFs at Vanguard, I am not advocating that every investor or any investor should buy spot cryptocurrency ETFs. I agree that if someone wants to own cryptocurrency, it should be a tiny piece/slice of the portfolio.
I understand that Vanguard is a client owned company and is trying to protect investors from themselves. I don’t agree with any brokers barring its clients from purchasing certain products. I agree that any investor who buys an investment product needs to know the risks, and I agree that cryptocurrency is way more risky than a diversified portfolio of stocks. I also appreciate the wiki information on the Boglehead’s site on this topic. Although I would like to buy spot cryptocurrency ETFs at Vanguard, I am not advocating that every investor or any investor should buy spot cryptocurrency ETFs. I agree that if someone wants to own cryptocurrency, it should be a tiny piece/slice of the portfolio.
- Wed Mar 22, 2023 11:58 am
- Forum: Personal Investments
- Topic: VDIGX: Is There an Equivalent ETF?
- Replies: 5
- Views: 1093
- Sat Nov 19, 2022 10:52 pm
- Forum: Personal Investments
- Topic: Fund Recommendations for my Child
- Replies: 9
- Views: 948
Re: Fund Recommendations for my Child
I am thinking of putting it in Vanguard Target Retirement Fund 2070 then adding small cap value ETFs all at Vanguard Brokerage
- Sat Nov 19, 2022 10:47 pm
- Forum: Personal Investments
- Topic: Advice pls - Good fund for child
- Replies: 33
- Views: 3102
Re: Advice pls - Good fund for child
I am thinking of putting it in Vanguard Target Retirement Fund 2070 then adding small cap value ETFs all at Vanguard Brokerage
- Sat Oct 29, 2022 11:11 am
- Forum: Investing - Theory, News & General
- Topic: Vanguard now allows purchase/sale of dollar amounts for Vanguard ETFs (fractional purchases)
- Replies: 217
- Views: 33503
Re: Vanguard now allows purchase/sale of dollar amounts for Vanguard ETFs (fractional purchases)
Long overdue: https://investor.vanguard.com/investor-resources-education/article/investing-in-vanguard-etfs Now Vanguard Brokerage needs to allow fractional share purchases of all ETFs and all individual stocks. This seems unlikely, as the brokerage winds up owning all the fractional leftovers, even if they can can consolidate many different dollar amount purchases into bigger lots. E.g. two people buy 1.5 shares. Vanguard buys 3 and allocates 1.5 to each. Vanguard barely wants the direct customers it has. There is no incentive for them to make it more convenient to own products they earn nothing from. Offering automatic investments in their ETFs with dollar purchases would be convenient, though. I hope it’s just one step/phase at a time. ...
- Wed Oct 26, 2022 8:50 pm
- Forum: Investing - Theory, News & General
- Topic: Vanguard now allows purchase/sale of dollar amounts for Vanguard ETFs (fractional purchases)
- Replies: 217
- Views: 33503
Re: Vanguard now allows purchase/sale of dollar amounts for Vanguard ETFs (fractional purchases)
Long overdue:
https://investor.vanguard.com/investor- ... guard-etfs
Now Vanguard Brokerage needs to allow fractional share purchases of all ETFs and all individual stocks.
https://investor.vanguard.com/investor- ... guard-etfs
Now Vanguard Brokerage needs to allow fractional share purchases of all ETFs and all individual stocks.
- Wed Oct 12, 2022 7:33 pm
- Forum: Investing - Theory, News & General
- Topic: Floating Rate Notes
- Replies: 72
- Views: 7628
Re: Floating Rate Notes
Would it make sense to ask about ETFs and mutual funds that hold only floating rate treasury notes in this thread or just to start a new thread?
- Fri Oct 07, 2022 10:07 pm
- Forum: Investing - Theory, News & General
- Topic: New Avantis worldwide ETF with value tilt
- Replies: 793
- Views: 115500
Re: New Avantis worldwide ETF with value tilt
I think this ETF would be perfect for investors who:
a.) want to keep their equity portion at less than 25% of their entire investing portfolio AND
b.) believe that factor investing with tilts to small and value are worthy or worthwhile
I am seriously considering this for my HSA.
a.) want to keep their equity portion at less than 25% of their entire investing portfolio AND
b.) believe that factor investing with tilts to small and value are worthy or worthwhile
I am seriously considering this for my HSA.
- Tue Feb 22, 2022 8:47 am
- Forum: Investing - Theory, News & General
- Topic: Fidelity ZERO Total Market Index Fund vs. Vanguard Total Market Index
- Replies: 53
- Views: 10877
Re: Fidelity ZERO Total Market Index Fund vs. Vanguard Total Market Index
For small dollar accounts at a taxable account at Fidelity, would it be better to purchase fractional shares of VTI, purchase FZROX, or purchase FSKAX. My understanding is that if I do either of the first two, these shares are not transferable if I want to use another brokerage custodian in the future. What are the other pros and cons of the three options?
- Sat Jan 22, 2022 6:46 pm
- Forum: Investing - Theory, News & General
- Topic: Target date funds ... so much for "set and forget" [and WSJ article]
- Replies: 567
- Views: 67988
Re: Target date funds ... so much for "set and forget" [and WSJ article]
It’s surprising that Vanguard Tax-Managed Balanced is the only tax-managed balanced fund out there. Only thing that sucks about this fund is that there is no international stocks in it. I think some time ago Morningstar did recommend that there should be some tax-managed/tax-efficient target date retirement funds. I am sure there can be a market for such products.
- Tue Dec 29, 2020 1:19 pm
- Forum: Personal Investments
- Topic: What site/brokerage/app, etc. is best for investing small amounts?
- Replies: 6
- Views: 876
Re: What site/brokerage/app, etc. is best for investing small amounts?
Bumping up this thread. How does Stockpile compare to Fidelity and Schwab?
- Wed Nov 25, 2020 8:13 am
- Forum: Investing - Theory, News & General
- Topic: BlackRock and the $15 trillion fund industry should be broken up, antimonopoly group says - CNN Business article
- Replies: 33
- Views: 4214
BlackRock and the $15 trillion fund industry should be broken up, antimonopoly group says - CNN Business article
Hi All,
I just saw this. What’s everyone’s take on this?
https://www.cnn.com/2020/11/24/business ... index.html
Thanks!!
I just saw this. What’s everyone’s take on this?
https://www.cnn.com/2020/11/24/business ... index.html
Thanks!!
- Sun Jun 28, 2020 12:09 pm
- Forum: Investing - Theory, News & General
- Topic: DFA Entering ETF space
- Replies: 37
- Views: 5209
Re: DFA Entering ETF space
Let’s hope we can get more choices in the global ex-US small cap value and global ex-US large cap value asset classes.
- Tue Jun 02, 2020 4:06 pm
- Forum: Investing - Theory, News & General
- Topic: "Vanguard Minimum Investment Cuts Overdue"
- Replies: 52
- Views: 6834
Re: "Vanguard Minimum Investment Cuts Overdue"
I have sent my request to Vanguard for the lowering of investment minimums for some of the Vanguard funds and the availability to purchase fractional shares of ETFs and individual stocks using dollar-based investing. I do wonder why Vanguard has not implemented these as of yet.
- Tue Jun 02, 2020 11:35 am
- Forum: Investing - Theory, News & General
- Topic: [How can I teach my young kids about investing?]
- Replies: 23
- Views: 1918
Re: [How can I teach my young kids about investing?]
I’d like to get Allan Roth’s take on this. He wrote a book called How A Second Grader Beat Wall Street. @Allan RothF150HD wrote: ↑Sun May 31, 2020 10:47 amif a young person doesn't understand compound interest or expo growth, some of it may be meaningless.I don't think teaching young kids about investing is important, depending on your definition of young.
Time may be better spend focusing on math, and then down the road, 'investing' (define 'investing' as you wish)
- Tue Jun 02, 2020 11:31 am
- Forum: Investing - Theory, News & General
- Topic: [How can I teach my young kids about investing?]
- Replies: 23
- Views: 1918
Re: [How can I teach my young kids about investing?]
I don't think teaching young kids about investing is important, depending on your definition of young. if a young person doesn't understand compound interest or expo growth, some of it may be meaningless. Time may be better spend focusing on math , and then down the road, 'investing' (define 'investing' as you wish) I'm gonna try to teach the kids compound interest and the rule of 72 this week (3rd and 6th graders). Wish me luck In order for compound interest to be meaningful, I'd surmise they'd need to understand linear (arithmetic) growth first (?). A 3rd grader doing and understanding geometric growth sounds like a big bite (to me). 8-) How about the analogy of planting a tree or a plant? The word “compound interest” doesn’t have to be ...
- Tue Jun 02, 2020 11:29 am
- Forum: Investing - Theory, News & General
- Topic: [How can I teach my young kids about investing?]
- Replies: 23
- Views: 1918
Re: [How can I teach my young kids about investing?]
I wish you good luck.Wannaretireearly wrote: ↑Tue Jun 02, 2020 2:45 amI'm gonna try to teach the kids compound interest and the rule of 72 this week (3rd and 6th graders). Wish me luckF150HD wrote: ↑Sun May 31, 2020 10:47 amif a young person doesn't understand compound interest or expo growth, some of it may be meaningless.I don't think teaching young kids about investing is important, depending on your definition of young.
Time may be better spend focusing on math, and then down the road, 'investing' (define 'investing' as you wish)
- Mon Jun 01, 2020 9:44 pm
- Forum: Investing - Theory, News & General
- Topic: [How can I teach my young kids about investing?]
- Replies: 23
- Views: 1918
Re: [How can I teach my young kids about investing?]
Thanks for the replies so far. Definitely food for thought. I understand there was a time when you had to pay a load to buy mutual funds, this before the founding of Vanguard. There was a time when investors were forced to deal with multiple papers when investing in mutual funds from different fund families. Charles Schwab created the brokerage mutual fund supermarket. When ETFs came into existence, everyone had to pay a commission fee to buy or sell ETF shares, even Vanguard investors had to pay commissions to buy and sell Vanguard ETFs in Vanguard brokerage account. Then Schwab created commission fee ETFs. When TD Ameritrade, Fidelity, Vanguard, and others followed suit, only certain ETFs were commission free. Then Vanguard in 2018 made a...
- Sat May 30, 2020 1:33 pm
- Forum: Investing - Theory, News & General
- Topic: Erictyson.com annual subscription- worth it?
- Replies: 4
- Views: 730
Re: Erictyson.com annual subscription- worth it?
I do those things too. I subscribe to Libby, OverDrive, & Hoopla all via my library card. What’s interesting is that Eric Tyson has mentioned free content having conflicts of interest.retired@50 wrote: ↑Wed May 27, 2020 4:27 pm I'd suggest a library card instead.
There are too many good authors to devote yourself to just one.
https://www.bogleheads.org/wiki/Books:_ ... nd_reviews
Regards,
- Sat May 30, 2020 11:32 am
- Forum: Investing - Theory, News & General
- Topic: [How can I teach my young kids about investing?]
- Replies: 23
- Views: 1918
Re: [How can I teach my young kids about investing?]
I don’t post on here often so I was unaware that I was doing anything inappropriate or in violation of forum policies/rules. Furthermore, I apologize for any inconvenience my multiple posts may have caused. This was not my intention.LadyGeek wrote: ↑Sat May 30, 2020 8:46 am BornInCA - In order to give appropriate advice, it's best to keep all the information in one spot. I merged all of your posts and replies into a single thread.
Additionally, each thread needs to focus on a single situation. Bumping a thread with a different topic detracts from helping the OP in that thread.
(Thanks to the member who reported the post. One of the reasons is "Duplicate thread".)
- Fri May 29, 2020 11:10 pm
- Forum: Investing - Theory, News & General
- Topic: [How can I teach my young kids about investing?]
- Replies: 23
- Views: 1918
Re: Schwab and Fractional Shares for ETFs
Thanks for the feedback. This site is so popular that thread responses keep pouring in.
- Fri May 29, 2020 11:01 pm
- Forum: Investing - Theory, News & General
- Topic: [How can I teach my young kids about investing?]
- Replies: 23
- Views: 1918
Re: Schwab to allow fractional stock trading (WSJ)
[Post merged into here, see below. --admin LadyGeek]
I want to get my young kids started in investing and I believe the “dollar based investing of fractional shares” feature for stocks and ETFs is of tremendous help to my family and families who are considering this as well. I wish Vanguard offered this. I even wrote to Vanguard but the response is “my feedback will be passed on to management”. I want my kids to invest in ETFs, individual stocks, and mutual funds with tiny amounts. Thus, I am inclined to use Fidelity for this purpose. As I mentioned in other threads, I would love to hear everyone’s thoughts on this as well as other brokerage ideas.
I want to get my young kids started in investing and I believe the “dollar based investing of fractional shares” feature for stocks and ETFs is of tremendous help to my family and families who are considering this as well. I wish Vanguard offered this. I even wrote to Vanguard but the response is “my feedback will be passed on to management”. I want my kids to invest in ETFs, individual stocks, and mutual funds with tiny amounts. Thus, I am inclined to use Fidelity for this purpose. As I mentioned in other threads, I would love to hear everyone’s thoughts on this as well as other brokerage ideas.
- Fri May 29, 2020 10:43 pm
- Forum: Personal Investments
- Topic: Schwab and Fractional Shares for ETFs
- Replies: 6
- Views: 1159
Re: Schwab and Fractional Shares for ETFs
I thought Motif is being acquired by Folio Investing.Nate79 wrote: ↑Mon May 11, 2020 8:17 pm To clarify so far Schwab announced the ability to buy fractional shares of S&P500 individual stocks, called Schwab Stock Slices starts June 9th. It doesnt include ETFs. Example article here and was discussed about a week ago when it became public:
https://www.businesswire.com/news/home/ ... -Investing
You may want to check again with your Schwab rep as their info doesn't match what was announced. Schwab is also acquiring Motif.
- Fri May 29, 2020 7:53 pm
- Forum: Investing - Theory, News & General
- Topic: [How can I teach my young kids about investing?]
- Replies: 23
- Views: 1918
[How can I teach my young kids about investing?]
[Moved into a new thread from: Better to teach kids about investing with ETFs or individual stocks? --admin LadyGeek] Bumping this thread up since there are new developments since the prior post: I would like to teach my little ones about investing by using both individual stocks and ETFs. Here are some brokerage firms I found of interest: Fidelity: https://www.fidelity.com/trading/fractional-shares Robinhood: https://robinhood.com/us/en/support/articles/fractional-shares/ Schwab: https://www.schwab.com/stock-slices https://www.barrons.com/amp/articles/schwab-to-offer-fractional-shares-of-s-p-500-companies-51588696540 https://thecollegeinvestor.com/20432/buy-fractional-shares-invest/ https://thefinancebuff.com/etf-orders-dollars-fractional...
- Wed May 27, 2020 10:00 am
- Forum: Investing - Theory, News & General
- Topic: Erictyson.com annual subscription- worth it?
- Replies: 4
- Views: 730
Erictyson.com annual subscription- worth it?
Hi,
I was wondering if anyone has an annual subscription to erictyson.com. It’s $18.95 a year. For those who have it, has his articles been informative and beneficial to you? Has the information and benefits you received make the annual subscription fee a worthy/worthwhile purchase? So far, I have really enjoyed reading/listening to his Dummies books especially “Mutual Funds For Dummies”. I haven’t gone through all of them yet.
I was wondering if anyone has an annual subscription to erictyson.com. It’s $18.95 a year. For those who have it, has his articles been informative and beneficial to you? Has the information and benefits you received make the annual subscription fee a worthy/worthwhile purchase? So far, I have really enjoyed reading/listening to his Dummies books especially “Mutual Funds For Dummies”. I haven’t gone through all of them yet.
- Tue Feb 25, 2020 8:03 pm
- Forum: Personal Investments
- Topic: Super Lazy portfolio, just VSMGX? [Vanguard LifeStrategy Moderate Growth]
- Replies: 117
- Views: 25010
Re: Super Lazy portfolio, just VSMGX? [Vanguard LifeStrategy Moderate Growth]
How about for someone who gets a major money windfall (life Insurance proceeds, lottery, etc.) then invests this lump sum amount then sets up a systematic withdrawal plan of no more than 4% a year? This would be in a taxable account with the mutual fund’s distributions of dividends and capital gains automatically reinvested. What does everyone think of this idea?
- Sun Feb 23, 2020 4:58 pm
- Forum: Investing - Theory, News & General
- Topic: "Wells Fargo Paying $3 Billion To Settle U.S. Case Over Fraudulent Customer Accounts"
- Replies: 61
- Views: 5918
Re: "Wells Fargo Paying $3 Billion To Settle U.S. Case Over Fraudulent Customer Accounts"
Sadly at the time of this post, Bank of America and Wells Fargo rank 15th and 28th respectively in terms of the largest stock holdings of the Vanguard Total Stock Market Index Fund (Admiral Shares VTSAX and ETF shares VTI). If there was a dark side to diversification, this would be it: Investing in companies that are disliked.
- Sun Feb 23, 2020 3:29 pm
- Forum: Investing - Theory, News & General
- Topic: March "Bogleheads on Investing" podcast guest will be Jim Dahle, the White Coat Investor
- Replies: 21
- Views: 3530
Re: March "Bogleheads on Investing" podcast guest will be Jim Dahle, the White Coat Investor
My questions for Dr. Dahle may seem long and broad but I’ll do my best to make them concise: 1.) I understand that your target audience are doctors and others with high incomes. Do you believe that middle income and “blue collar” workers can benefit from listening to these podcasts? Why or why not? I’m a listener but not a doctor. I find the podcasts intriguing nonetheless. 2.) I wish parents can set up a Roth Individual Retirement Arrangement (IRA) for infants and kids but the kids themselves don’t earn any income. I wish the U.S. government allowed parents to set up tax-deferred accounts for kids changing the requirement from that of income to that of birth in the U.S. [like create an individual birth-to-retirement account (IB2RA)] or U.S...
- Mon Feb 17, 2020 11:36 am
- Forum: Personal Finance (Not Investing)
- Topic: RIC-E Trust Alternatives
- Replies: 3
- Views: 699
Re: RIC-E Trust Alternatives
Hi Fellas, I was thinking the same thing as the OP and would love to get some updates on this. I know even information put out 6 months ago these days can seem to be "ancient history". However, I think it's becoming more difficult to implement via Vanguard Variable Annuity (VA). I don't even know whether or not it will be possible to use the Vanguard VA's this way. These are the links I looked at here: https://investor.vanguard.com/annuityfaq https://www.bogleheads.org/forum/viewtopic.php?t=283805 https://www.bogleheads.org/wiki/Vanguard_Variable_Annuity -- I think this needs an update based on the above two links. If one cannot or won't use a Vanguard VA to implement this program as intended by the Ric E Trust or Paul Merriman, w...
- Wed Jan 16, 2019 9:24 pm
- Forum: Investing - Theory, News & General
- Topic: John Bogle has died at age 89
- Replies: 856
- Views: 82093
Re: John Bogle has died at age 89
RIP to Jack Bogle. Many thanks to what he has done for the common man investor!!
- Sun Sep 18, 2016 8:05 pm
- Forum: Investing - Theory, News & General
- Topic: Adam Bold's Mutual Fund Stores & Mutual Fund Show (R.I.P.???)
- Replies: 4
- Views: 5076
Adam Bold's Mutual Fund Stores & Mutual Fund Show (R.I.P.???)
I have to admit I used to enjoy listening to Adam Bold's Mutual Fund Show. After I read The Lies About Money and the Bogleheads' books, I stopped listening. Then this past Saturday I listened to a snippet of the show in the car as I was getting lunch for my family. I found out that the Mutual Fund Show is now "Investing Sense" and the Mutual Fund Store has been taken over by Financial Engines. This link may explain why the change took place: https://financialengines.com/investing-sense/recent-shows/all-about-the-S-P-500-2016-09-17 After Googling, I found some links here: http://www.kansascity.com/news/business/article43245339.html http://sports.yahoo.com/news/financial-engines-expands-services-deliver-113000491.html http://www.bus...
- Mon Mar 28, 2016 8:50 pm
- Forum: Personal Finance (Not Investing)
- Topic: Advice for Passing the CPA Exam 2016-17 edition
- Replies: 23
- Views: 6422
Advice for Passing the CPA Exam 2016-17 edition
Dear Fellow Bogleheads, I believe that the Bogleheads message boards are a great source of advice on nearly everything except banned topics. I've seen good advice beyond the typical advice on investing and personal finance. I've taken a look at the various Boglehead threads: https://www.bogleheads.org/forum/viewtopic.php?t=96693 https://www.bogleheads.org/forum/viewtopic.php?t=86035 https://www.bogleheads.org/forum/viewtopic.php?t=52442 First of all, my congratulations to all who have become CPAs. I hope to join you one day. I could not find any recent (less than a year old) threads on this topic. I wonder if anything in terms of sentiment has changed since the most recent thread discussion on CPA exam preparation courses and techniques. I ...
- Fri Jan 29, 2016 5:01 pm
- Forum: Investing - Theory, News & General
- Topic: "6-reasons-we-lost-money-on-our-first-rental-property"
- Replies: 21
- Views: 6613
Re: "6-reasons-we-lost-money-on-our-first-rental-property"
This could not have come at a better time for me. I have "Pocket"ed this article and will share with my family. Thanks!!!
- Sun Oct 19, 2014 9:35 pm
- Forum: Personal Investments
- Topic: 401K changing Pimco Tot Ret to VG Int Term Bond Index. OK?
- Replies: 17
- Views: 2200
Re: 401K changing Pimco Tot Ret to VG Int Term Bond Index. O
Well, if one is comparing Inter-Term Bond Index to Total Bond Index, that would be up for debate. Some like one and others like the other. There are so many threads that make this comparison. However, since the OP stated Inter-Term Bond Index is the only bond fund in his/her 401k, I'd be happy if I cared about low costs and diversification. It's better to have one of those two bond funds as the 401k bond fund of choice than the majority (98%+) of other bond funds that are more risky and more expensive.
- Tue Oct 14, 2014 10:31 pm
- Forum: Personal Investments
- Topic: Limited Term Tax Exempt as a spot for short term savings?
- Replies: 24
- Views: 4605
Re: Limited Term Tax Exempt as a spot for short term savings
The OP didn't mention his/her tax bracket. Unless the OP is in the top 2 tax brackets, why bother with short-term muni funds? If the OP puts safety of principal first, I think Vanguard Short-Term Treasury would be best. If the OP puts fees first and has less than $50,000 to put into a fund, then Vanguard Short-Term Bond Index Admiral Shares would be best.If the OP has a short time horizon, put returns above all else, and is willing to take some risk (including a 10% decline in the value of his/her account), then Vanguard Short-Term Investment Grade would be best. It's worst calendar year performance over the last 15 years was -1.13%.