Bogleheads

Hi Bogleheads:

Our mentor, Jack Bogle, has "updated" his original Common Sense on Mutual Funds written 10 years ago. This is really two books in one: The original book and the updated ver ...

Hi Mom:

I will try to answer your questions:

1. I welcome your suggestions. I am very exciting to be on the road to preparing a cohesive retirement portfolio. Choosing low cost 401K funds has me ...

Hi Bogleheads:

Today's Miami Herald has this headline:

"Businessman: I was Lured into Rothstein Scam"

A Coconut Grove businessman (Todd Snyder) says he invested $2.16 million with S ...

Doesn't one need to downwardly continually adjust the SWR each succeeding year of survival?

Hi wehang:

Actually, we can increase our safe withdrawal rate (SWR) each succeeding year as we grow ...

AerialP:

This thread is wonderful reading and this post in particular sings loudly to me. Thank you so much, sir!

You recognize a jewel when you see it.

Mlebuf is Michael LeBoeuf, author of ...

Hi Steve:

I have a mix of index and managed funds. That's another asset allocation decision.... percentage of managed to index.......

You might say, 'hope over reason.......' Wink

Summerfeld:

Thank you for your reply.

Hi Kevin:

Mr. Bogle sent us a copy of his new book with a personal inscription that Pat and I will treasure forever. He also wrote this (pages 569-570):

THE RISE OF THE BOGLEHEADS

When the pr ...

I appreciate your well wishes Taylor, but perhaps you should write your friend back and ask him to stop sending you spam chain letters with made-up stories?

Hi brxn:

You are right. I checked Goo ...

Hi Market timer:

Hi Taylor, the main risk to someone who borrows at 3.35% (mortgage) to earn 3.81% (long term tax-exempt) is the chance that the mortgage must be repaid ahead of schedule after rate ...

If you take money out of Admiral shares of Long-Term Tax Exempt, where it is earning 3.81% tax-free, and pay down your mortgage at 3.35% after-tax, you may come out ahead if rates rise and you are f ...

Hi LG:

Thank you for your explanation. It was not intuitive for me.

In my opinion, it would be improved by making it the same bold type as the top menu and without the "-".

Administrators:

If I link to www.bogleheads.org for the first time, and want to make my first post, the link: "Post a New Topic" in the left margin does not work?

Hi jlq:

What has not been mentioned is the benefit (if any) of the tax-deduction. Be sure to factor this into your calculations.

Investors in the highest tax-bracket who can deduct their inter ...

Bogleheads:

"A market downturn during the early years of retirement can have a lasting impact. We examine a 30-year retirement period using historical rates of return—but in the opposite ord ...

Hi:

Just last night, at the convenience store gas station (around midnight) I happened to witness the following.

I young lady entered the store, tentative and slightly distraught. She went up to ...

Hi WD4HJB:

Thank you for sharing your story--and also for your 27 contibutions to our forum.

It may be worth noting that TSM is still 25% off peak.

This is also worth noting:

When I started investing in the early 50s, the S&P was fluctuating around 25. Today it is over 1,100.

Hi Bogleheads:

A friend sent me this:
My husband, youngest son, and I went out to McDonald's one crisp March morning.
We were standing in line, waiting to be served, when all of a sudden everyo ...

Hi Reno:

My concern is that it seems interest rates have nowhere to go but up. If I load all my "safe" money into a bond fund, what will happen if indeed rates go up over the next 2-3 yea ...

Hi inve$t0r:

This is a rough rule of thumb:

"Never buy insurance for something you can afford to insure yourself."

I have been a regular reader at the Motley Fool site, but, find much of its editorial content less than fulfilling. This article will be different. Do you have any idea of when and how it will appear ...

Hi Reno:

What is the ratio between your tax-deferred and taxable accounts?

Thanks

Hi Paul:

The Vanguard Hi-yield tax exempt fund jumped from a duration of 7.5 years to 11.0 years over the weekend. This put the fund way beyond my risk scale so I pulled out.

Probably a good thi ...

Hi Paul:

T. Rowe Price put a lot of work into their Spring 2009 Report.

Thanks for sharing.

Was that literally an interview--can you speak that coherently and eloquently off the top of your head?

Hi nisiprius:

Four years ago I lost my voice to cancer [url=http://socialize.morningstar. ...

Hi WorktoLive:

The new question is should I sell before the ETF distribution or after? I tried to look at the FAQ, but couldn't figure out which would apply if you are trying to "maximize" ...

Hi DD:

Thanks for the link. Allan Roth tells it like it is:

Here is what investors are really asking.

March - Now that the stock market is having a half off sale, should I sell?

Today - N ...

Hi ddb:

The moderators could be rewarded for their efforts.

Sounds to me like a splended idea! Laughing

Seriously, one of the great things about this forum is that it is 100% free of commercia ...

Hi Bogleheads:

Last week I received an e-mail from Robert Brokamp, who asked me to do this interview for the Motley Fools. It reflects "In his 85 years, Taylor Larimore served as a World War I ...

Lbill:

I don't agree with the idea that the "long term" makes everything OK. Taken literally, Taylor's argument could be used to support the notion that being 100% in stocks is a good ide ...

When researching funds, I review their past performance which include 1,3,5,and 10 year returns. Vanguard's popular Total Stock Market Index (conservative and diversified equity fund) has a 0.84% retu ...

Hi Comptalk:

Schwab promoted its YieldPlus Investor Shares (SWYPX) as a very safe but higher yielding short-term bond fund. Guess what happened in 2008? It plunged -35%.

Reaching for yield in ...

Can anyone recommend some super safe bond funds with little to no risk, but pay a 2.5% or higher yield?

Or am I just dreaming?

Hi comptalk:

Bonds: The higher the yield--the higher the risk. ...

Hi:

Sorry, we can't forecast a fund's future but I would venture a guess that your funds will eventually recover because most do.

Do you realizse that a fund that "dropped 48%" must ga ...

According to Mr. Bogle in The Little Book of Common Sense Investing:

"Over the past 35 years only 9 of the 355 (US equity) funds in business at the outset outperformed the stock market index b ...

Hi Nathan:

How do we deal with the volatility.

I think most of us worry too much about volatility. For long-term investors it should be of little concern.

For example, when I started inve ...

Hi Dan:

I'm a relatively new investor and am wondering how best to track the performance of my portfolio.

We just look at the beginning and ending balance of our portfolio (which is what matters ...

Victoria/John:

Thank you for the correction. I edited my post.

Doesn't the book "Bogleheads Guide to Investing" use past performance data in it argument for index funds?

Hi Spam:

The primary argument for index funds is "low-cost" -- not ...

Taylor & I were posting at the same time. He is older and wiser than I.

Hi Munir:

"Older," yes. "Wiser," I doubt it.

Your post with all it's links is better than min ...

Hi Prokofiev:

Can you give this money to your children without paying gift taxes?

The IRS allows us to give up to $13,000 (in 2009) to as many individuals we want without reporting it. You can ...

Hi Golfer:

You appear to be a good candidate for an immediate lifetime annuity. Having purchased two lifetime annuities, I'll offer these suggestions:

* Look beyond AIG which might have credit ...

Hi Bogleheads:

We have seen an increasing number of Conversations emphasizing "past performance" and its implication that past performance can forecast future performance. It is not tru ...

My question is as follows:

What to do with my "other savings?"

Currently it is in a mixture of CDs, t-bills, high yield savings, and a small portfolio of individual equities.

Hi ...

Bogleheads:

Prior posts recommend paying down the mortgage. Let's look at this recommendation by using my own situation:

We are in our 80s and last year we took out a 30-year mortgage with Pen ...

Hi DD:

Thank you for the link to this article. John Waggoner is a good financial columnist. This sentence surprised me:

The average expense ratio (expenses divided by assets) for stock funds is ...

Thanks for taking the time to make the suggestions. One question, if the majority of my new contributions will be 401k (16500/year), the bond portion will grow too fast relative to the others. How w ...

Bogleheads:

Now is a good time to review our This is a moderated forum. We expect this forum to be a place where people can feel comfortable asking questions and where debates and discussions are c ...

Hi Meg:

Most Target Date Funds are expensive because their sub-account funds have high expense ratios plus an overlapping administrative fee for the Target Fund.

Vanguard is an exception. Their ...