Bogleheads

Guess we finally figured out the unnamed investor who bought all those CDOs, eh?

Laughing

Sadly, I am an admittedly naive and simple-minded investor, and while I don't recommend anyone follow my own perspective, it is nonetheless immutable:

* I abhor the use of leverage, in any for ...

Some snips from the prospectus, bold & color added by me:

PRINCIPAL INVESTMENT STRATEGIES

The Fund seeks to achieve its investment objective by investing under normal circumstances at least ...

I have NEVER been disappointed in Bill Gross.

considering Bill's expertise and experience that's no problem

PIMCO has a great track record and is trusted by many great conservative fund mana ...

I imagine just as with Mark Twain, that the reports of most absent poster's virtual deaths have been much exaggerated, and that mostly, life has probably just intruded on their ability to camp out her ...

the market conditions we are experiencing are not normal.

heh heh "This time, it's different?"

Not laughing at you, laughing with you, and maybe laughing at us as a species jus ...

Total Return’s most recent complete list of holdings, from the end of June, fills 368 dense pages that read like gibberish to anyone unfamiliar with the intricacies of bond investing.

The fund’ ...

One moral is that it is a question of positing a stable income and trying to figure out what is going to happen to the assets or of knowing the assets will survive and trying to figure out what will h ...

.?

Has hunting season for 'the value premium' been canceled?

Laughing

heh heh heh - we shun bad news 'worser' than good news. Rolling Eyes

LOL -- you always crack me up!
...

I guess I'd add at this point, referring back to the promotional material selling insurance-type annuities in the thread starter, that whatever issues there may be with either the sufficiency or accur ...

Drip guy - yes. I still believe the upside is stronger than the downside. And what I can receive for a 3 year CD is minimal. I know it is stacked against me. Again, it is only about 4% of my overall p ...

I will probably take 10% of my CD ladder to invest in here.

Thank you.

Is that still your plan?

Awesome. Thanks for sharing that with us!

Perhaps this Bogle quote applies.... bold added]

Beware of financial innovation. Why? Because most of it is designed to enrich the innovators, not investors. Just think of the multiple layers of fe ...

An earlier thread on BRIC vs USD offset CDs:

http://www.bogleheads.org/forum/viewtopic.php?t=41131&start=0&postdays=0&postorder=asc&highlight=bric

A couple of notable quotes I ...

But you can't always resolve the issue.

True that if you have a set of constraints, i.e. only want to work X years, but retire at Y age, and save Z percent into 50/50 TSM/Treas, that you may not b ...

I always thought that anything backwards has a demonic overtone. Remember the "dead Beatle message" when playing a song backwards? I forgot which one.

Laughing

As usual, just keep on talking in generalities.

If I missed some specific that is particularly important to you, I'd have been happy to address it if you point it out to me. As it was, I thought yo ...

Thank you.

http://i46.tinypic.com/sv2hi8.gif

3) A private citizen or two, who, with an inadequate nest egg, an innumerate's view of math, and a zealot's energy for trying to get noticed, went on a multi-decade rant against logic and common se ...

dbr - thanks for the "fine print" regarding the 4% rule. I still think it has achieved the status of a "myth" in the popular media that is in need of debunking.

This wouldn't b ...

You just made my point.

Here are a few *extremely* unlikelies...

1. Wellington and Wellesley are performing better than the combo of diversified index funds. How long they do it?
decades....an ...

Congrats.
One big difference...they are a lot more open minded....

Instead of
VG, VG, VG...we are the best

Either you are with us or....

Indexing is the only successful game in town.

It' ...

I sent a PM to Larry. He says he is tired of the personal attacks etc. So I guess the trolls won this one. Dave

Sad

It appears that symmetrical tolerance bands don't result in symmetrical risk bands.

Interesting insight. [lurks...listens...]

Congratulations! It is indeed a rarity with individual issues.

Awesome! Terrific job, Taylor, I hope it gets many eyes, especially of the younger investors just starting out.

http://i35.tinypic.com/ehhiyh.gif

Proof that just as in a clam, a tiny irritant can start the forming of a beautiful pearl!

Congrats to all that made and make this place the very best quali ...

Once I realize they are up to hijinks, I don't feel compelled to know much more....

DRiP Guy:

Is it permitted for a ‘buy and hold’ investor to periodically rebalance his portfolio or have we already parted ways?

Assuming you’re still with me, let’s say that my initial ...

I want to thank some of the contributors to this post that have been so generous in helping me illustrate my previous point. May I add "ignorant stereotyping" to those who have continued ...

I'll rely on (and second) the input that you were already given, going on two years ago, in a similar vein:

"...Do you seriously think you can predict the future?..."
http://www.bogle ...

Well, if sarcasm and cynicism are the foundation blocks of debate....I believe
I've stumbled upon the greatest collection of writers and orators since Lincoln-Douglas. I would imagine that at lea ...

Awesome find.

At semi-random, I selected 'fungibility' and see that it is not just haphazard links, but lists most important paper, and a heck of a list of further references.

...with the remaining small ten percent, you are encouraged to go to the casino

DRiP Guy, Taleb seems to have expressed different viewpoints around this over time, but his core recommendation is to ...

Taleb has argued that modern portfolio theory has the "the empirical and scientific validity of astrology (without the aesthetics)", and that the more rational portfolio is 90% cash equivale ...

(Said to the cadence of the Iphone commercial:)

"There's a link for that."

Laughing

our philosophy simply mirrors the facts.

Especially if we believe a Boglehead is likely to take this view of things:

1. Do I need to grow my existing holdings (or projected savings) in order t ...

the "own the market" hypothesis seems to be the ultimate in herd behavior.

Explain, please.

I happen to disagree completely: I find that it is actually about as far from herd behavior ...

Seems you have been thinking of insurance for a long time. From your initial post here:

"...even though the returns on the whole life aren't real good, the tax savings may really make it bene ...

Disgorgement:

http://www.investopedia.com/terms/d/disgorgement.asp

I guess I'll be out of style again... like that was important, anyway...

Rolling Eyes

Firecalc:

http://fireseeker.com/

I am trying to reconcile various and apparently contrary bits of advice. For example, keep only (or mostly) equities in your taxable accounts; tap your taxable accounts first in retirement; spend the ...

Warren Zevon - died at 56:

http://en.wikipedia.org/wiki/Warren_Zevon

If you could, would you swap your Boglehead investments of mostly stocks and bonds, and put your money into a mix of the Harvard/Yale/Stanford endowments instead?

Hell no.

41.

I predicted I would be a 45.

My profile is perceptibly and voluntarily changing as I age, and as I enter retirement.

Liz brings with her a wealth of experience as a CFP, a former finance writer for the Los Angeles Times, ...
She still writes for the LA Times.

Thank you for the correction!

Cool

Pension Dumping--- the Wreckage,the Stakes for Wall ST.
by Fran Hawthorne

Many companies froze pensions even when they did not have to. Yes they are backended. Myself and other 20,30 year plus e ...

Just a rehash of the same old one-note 'hook' this tired old non-mainstream econ prof has used for years now, as her way to get some books sold, and some notoriety, IMHO. I don't see her views gaining ...