Bogleheads

I am thinking about how to transition my investments according to my unique set of circumstances where I plan on retiring in my 40s or early 50s. Age in Bonds is too aggressive late in the game if I ...

In a free market without govenment interference, profits are a metric of value creation of a company. How can a mutual fund company create too much value for their customers? That's silly. To say t ...

Is it fair to compare DFAs 1% advisor fee to a DIY Vanguard fund?

In practicality, I imagine they are for two very different investors. The 1% advisor DFA should be compared to an advisor that put ...

My cousin got his financial planner license and started working for a company that deals with DFA funds. He says he can setup an institutional fidelity account for me, for free, and give me access to ...

I read the Bill Gross report a couple weeks ago, and I wonder if what he says is true. It seems plausible. However, what does one do about it. If real estate and stocks are really overvalued, where ...

Gross, who exclusively manages hundreds of billions of dollars of bond mutual funds, makes a statement saying stocks, real estate, commodities and all non-bond assets are overpriced.

Hmm...

I've never heard of any of this before but it doesn't sound like a 401k I would be willing to invest in. Find a new job, rally your employer to change 401ks, or go without 401k investing for a few yea ...

I agree this is a TERRIBLE policy by vanguard. They don't settle any mutual fund transaction until the next business 4pm (same day or in a few days).

There's no reason why they couldn't change an ...

I am aware of the main differences between individual bonds and bond ladders, but most of these seem to be for nominal bonds and for withdrawal phase.

If one wanted to invest in individual TIPS as ...

I'd strongly consider seeing if they can switch HSA custodians to Alliant Credit Union. Currently yielding 3% on HSA accounts. It's been 3% for several months. It was 4% for the last few years.

...

I am 28 and have all the retirement savings I will be able to save until I turn about 35 and pay off all these high interest graduate school debt.

I am seriously considering putting all of my retir ...

Thanks for posting this!

I read in a few posts about 30 year TIPS at a 2.5% real rate. Sounds pretty good to me. Can anyone provide more information on these? My google-fu suggests they come in $10k increments.

Is it be ...

I didn't read the article and no interest to, but one could argue that efficient markets have zero economic profit returns on a risk-adjusted basis. Meaning that if the risk-reward model is X then yo ...

Deferred income. -- Tet

That's ridiculous. The present value of the money is a lot higher than the value it would be paid back over 3 years.

My wife bought a new car today. By agreeing to finan ...

Why is this better than Alliant that gives 2% on $100 balances?

The U.S. tariff on Brazilian sugar means that the soft drinks you buy are full of expensive American corn syrup instead of cheaper Brazilian cane sugar.

But we can use the tariff money to pay for t ...

I find these fees to be a non-issue, and actually a positive thing, since purchase fees are paid into the fund. If I trade in and out less frequently than average, I should benefit from higher purchas ...

time for an EM ex Brazil fund Smile

Those evil pharmaceutical companies trying to profit off a global pandemic!

Perhaps your choice to live 50 miles away from work had something to do with it. Lifestyles have choices, and costs.
Also, if last year you had the choice to lock in gas at 3 a gallon, how would you ...

Let's be reasonable here; who had a COL increase of 30% last year, or even 20%, or even 10% (not counting lifestyle changes)?

During 2008 when gas price were above $4/gal my COL went from $15 ...

In your original post here, you discussed the idea of buying commodity futures and holding them until retirement (never selling, which as Andy pointed out is not possible anyway). How would this st ...

Just buy TIPS to accomplish the same goal. TIPS aren't product-specific, but should be a reasonable proxy for increasing costs of living.

- DDB

Unfortunately in 2008 when I commuted 100 miles ...

The goal of the strategy is to guarantee that I have the spending power to purchase X gallons of gasolines, Y gallons of heating oil, Z pounds of grains in retirement.

Thus I can be guaranteed to b ...

I know commodity investing is considered highly speculative and frowned upon by many on this forum. The pros are that you have true protection versus CPI-protection which may not accurately reflect i ...

Why is anti-government discussion allowed if its not the US government?

What's Your Overall Expense Ratio?

Do not include:

Brokerage fees
Funds with no ER (CD's, Savings/Checking accounts)
Pension funds that pay interest but have no ER
Loads and other fees
etc. ...

If I was making a recommendation to this person based on the above information I would do the following:

25% of money into a USAA Annuity - currently at 3% but rate is variable. Consider VG annuit ...

I think I read a post on this forum a few months ago about them and I believe they were either institutional funds or ETFs.

Gasman = anesthesiologist... nice Smile

When the advisor and the fund "negotiate" the fee to be paid to the advisor, it is simply the advisor negotiating with himself. This is exactly what makes it "unfair" for the adv ...

I'm not exactly sure but my guess is that VG's protocols are setup that each fund has various levels of risk and ST Treasury bonds have no other risks so it defaulted to call risk. Since they are not ...

So why is it unfair for a mutual fund to charge X% expense ratio in a free market that no one is required to buy that mutual fund?
according to Bogle's brief, the law says that the board of directors ...

As you yourself correctly pointed out in an earlier post, there's no "free market" in captive 401k plans.

The problem here is the 401k plan system and not the mutual fund which likely d ...

Fair is fair, unfair is unfair, and is judged by external standards. If, in fact, a company is doing something currengly legal but unfair, there is nothing improper about bringing in our representati ...

Why are they unfair? Why shouldnt a private corporation be allowed to charge whatever they want for the services in a free market? Competition forces companies to offer better products and Vanguard ...

My google skills have revealed Canada issues TIPS referred to as Real Return Bonds.

I understand currency risk and if the transaction costs are reasonable, I would like to set aside a small amount ...

When you buy a mutual fund, the fund is accountable to handle bookkeeping of your purchase, redemption, taxes, distributions, etc. This requires personnel who require salary. It also requires money ...

Here is a question that I understand myself but have a difficult time articulating to people who ask my advice on investing.

If someone's income is low, they have a higher need to take risk and thu ...

Why not use 20% equities to 80% TBM to smooth out your returns? When the bond fund drops the rise in equities should compensate.

Isnt this already priced into CD yields? Banks know they are at risk of being callable for 1 year penalty and thus consequently offer a reduced yield on the CDs they issue.

Humans can make industrial diamonds. We may be able to make jewelry diamonds eventually too. Alchemists have tried to make gold for hundreds of years with no luck.

"Aussies raise int rate 0.25% to 3.25%"

The title made me think that they raised rates by 3%.

Diamond price is artificially raised through monopolistic controls.

Gold has no such monopoly and is much more of a free market economy.

Diamonds have never been used as a form of currency, gold ...

if we had taken full advantage of the allowed contributions from day one in 1998, we would have invested $39,500 each ($79,000 total). Nothing to sneeze at. However if it had been invested in the TSM ...

Jack Bogle says - skip foreign bonds. He earns his money in dollars, he spends his money in dollars, and he invests his money in dollars.

The contrarian position would be that even if you spend y ...

If you only invest in "good" companies then of course your returns will be higher Smile

I have to think of it as a band aid company and not a pharmaceutical company or else it makes me mad.

JnJ is far more than either a bandaid or pharma company. They make everything from HIV assays ...

... the situation should have immediately been escalated to a manager who has authority to grant a reprieve to RedRock if warranted by that manager's training and experience.

Why? If corp policy ...