News and blogs contains the RSS feeds for news sites and site participant's blogs. (Podcasts can be found here.)
Economic data out this week was mixed. While new-home sales ticked up, existing-home sales remained sluggish and orders for durable goods continued to slide.
To maximize IRAs,you should consider "asset location." This means holding tax-inefficient investments in IRAs, while keeping tax-efficient investments in taxable accounts.
Nearly four out of every ten U.S. households own an Individual Retirement Account (IRA). Are they maximizing their IRA contributions and what are the trends around IRA use? Each month Vanguard researchers analyze the trends to see if these investors are taking full advantage of the opportunities available to build a bigger retirement portfolio.
In March 2015, a number of Vanguard mutual funds reported changes in their expense ratios.
James Anderson and Kave Sigaroudinia of Baillie Gifford explains its philosophy of generating long-term investment results.
Vanguard News RSS feed
Jim Dahle (a.k.a. EmergDoc, for medical professionals)
The White Coat Investor - Helping those who wear the white coat get a "fair shake"
Well, Match Day has come and gone. Most US MS4s are giddy with excitement about moving on to the next phase of life (where they actually start getting paid, even if it is relatively meager payment.) A few are heartbroken as well, and there will be a post about that on Monday. But this weekend, we’re going to do a brief update about what’s going on in the doctor mortgage marketplace. These posts are relatively … Continue reading →
As a general rule, Roth accounts are for people who are not in their peak earnings years, and tax-deferred accounts are for those in their peak earnings years. There are lots of exceptions to this general rule, of course. One of the most well-known ones is the Backdoor Roth IRA. But in that case, you’re really comparing a Roth account to a taxable account. Of course the Roth wins hands down. In a 401(k), you … Continue reading →
[Editor’s Note: This is a guest post from Chris who has a blog titled Eat The Financial Elephant. He and his wife blog about do-it-yourself wealth building, financial planning, and investing with a focus on achieving financial independence and retiring at an early age simply by eliminating waste and living efficiently to create a high savings rate, in their case over 50%. I bet he doesn’t buy $11K tables or waste money on expensive boats! … Continue reading →
I have a confession to make. I’m not frugal. I used to be. In fact, I was pretty frugal for a good portion of my life. Maybe I still am in the view of many physicians, since I drive a 13 year old car I bought for $4K four years ago. But I don’t see myself as frugal at all. However, what I am, and what most physicians need to be if they hope to … Continue reading →
Retire Secure, by CPA/JD James Lange, is the best financial book I have read in the last year. I recommend you buy it and read it. However, it is not the first financial book you should read. But after years and years of reading pretty much everything I can get my hands on, I admit I learned a number of things I did not know while reading this book. If I’m still learning from it, … Continue reading →
The White Coat Investor Blog RSS feed
Laura Dogu is a contributor to The Bogleheads® View blog on Forbes.com.
Laura Dogu, Mel Lindauer: The Bogleheads - Advice Inspired by Jack Bogle
On February 19th, the Bogleheads.org forum will celebrate its eighth birthday. What an amazing trip it’s been! BACKGROUND The website was originally set up and funded by two long-time Bogleheads, Alex Frakt and Larry Auton. For several years, the site served as a front-end index for the old Vanguard Diehards forum at .com. Bogleheads.org was […]
On behalf of the entire Bogleheads Community, I’d like to wish each and every one of our readers all the very best in this holiday season. For now, I’ll leave you with some steps you can take in the New Year that can help lead to your financial success. Obviously, these steps can only come […]
Because I was one of the most vocal supporters of I when they were first introduced, I’m often asked for my thoughts on today’s I Bond offerings. The most common question I get is “Are today’s I a good investment?” While we can reminisce about the “good old days” when one could purchase up to […]
On February 19th, the Bogleheads.org forum will celebrate its seventh birthday. What an amazing trip it’s been! BACKGROUND The website was originally set up and funded by two long-time Bogleheads, Alex Frakt and Larry Auton. For several years, the site served as a front-end index for the old Vanguard Diehards forum at .com. Bogleheads.org was […]
On January 25th, Taylor Larimore, who Jack Bogle dubbed “The King of the Bogleheads” turned 90. Taylor, a decorated World War II paratrooper, was in the Battle of the Bulge and is a member of “The Greatest Generation.” In 1998, Taylor was one of the founders of the Bogleheads community at the Vanguard Diehards forum […]
The Bogleheads® View
Rick Ferri Blog
Each year, I put my head on the chopping block and publish a 30-year forecast for global stock and bond market returns. This forecast is used to create long-term asset allocation strategies for our clients. It’s a terribly imprecise exercise because no one can know how financial markets will perform in the future. There are [...]
The cost to invest in mutual funds is often couched in terms of expense ratios and commissions. These are important structural costs and certainly worthy of your consideration. However, other costs are not so obvious that can eat deep into your investment return. It’s wise to know what those costs are and how they relate [...]
Peter Bernstein wrote The 60/40 Solution in 2002. His seminal article laid out arguments for why 60% stocks and 40% bonds is the “ideal asset allocation” for long-term investors. He considered this allocation the “center of gravity” on a risk and return spectrum. Bernstein’s observation is timeless advice for many investors, but not everyone. The [...]
I make investment changes at a glacial speed. The last change was about five years ago when I combined micro-cap stocks with small-cap value stocks to reduce the number of funds in the portfolio. Before that, I eliminated a preferred stock allocation, which was fortunately done right before the financial crisis. Over the coming year, I believe the opportunity may present itself for another change.
Asset classes and investment strategies are two different concepts. An asset class is a category of tangible or intangible assets whose scope may or may not be fully quantifiable. The quantifiable part is the raw material from which an investment strategy is created. US equity is an asset class that’s fairly easy to define and measure. How one invests in US equity is an investment strategy, and there are many ways.
Rick Ferri RSS feed
Mel Lindauer is a contributor to The Bogleheads® View blog on Forbes.com. The Bogleheads® View RSS feed is listed above.
Mike Piper - Oblivious Investor
No matter how confident you are in your employer’s prospects, it’s generally a bad idea to hold a significant portion of your portfolio in your employer’s stock, if you have a choice in the matter. As Ron Lieber reminds us this week, investing heavily in the stock of your employer puts you in a position where not […]
A reader writes in, asking: “Regarding Roth conversions, is it worth it to convert, putting yourself in pretty high tax brackets if you have a lot to convert? Second is it worthwhile to do some converting when the result would likely still leave you with heavy RMD’s and 85% of SS taxed, nullifying some of […]
Over the last few weeks, I’ve repeatedly received questions (and seen similar questions on the Bogleheads forum) about whether it’s worth ditching international stocks entirely, given their poor performance over the last several years relative to U.S. stocks. In short, my answer is that that’s the opposite of what most investors should be doing right […]
A reader writes in, asking: “I understand that a bond’s price goes up when interest rates go down and vice versa. Do interest rates usually move together with all rates going up by roughly the same amount? And if not, which interest rate is it that determines bond prices? Federal funds rate? Treasury bond rates? Other??” Firstly, interest […]
I generally make a point to keep politics out of my writing, because I do not want to alienate anybody. (And I don’t intend to change that policy.) At the same time, many financial topics are important political issues. Kay Bell of Don’t Mess With Taxes has some information this week on how you can […]
Oblivious Investor RSS feed
Bill Schultheis - The Coffeehouse Investor
I watched the first practice of little league baseball for 11 little boys this week. They missed catches, pitches, and spent a lot of time in the dirt. They had to focus on a series of step, step, and throw movements during one part of practice. All of the boys were so focused on getting the steps right that they negated the whole act of throwing the ball. They were so focused on trying to do the steps correctly and avoid failing, they missed the end goal of throwing the ball.
“The study seemed to support the considerable body of evidence suggesting that most people shouldn’t even try to beat the market: Just pick low-cost index funds, assemble a balanced and appropriate portfolio for your specific needs, and give up on active fund management.”
Great discussion in the New York Times about the ongoing study reviewing mutual fund performance.
The Motley Fool is at it again, proving the power of patience and inactivity. In a recent article, Morgan Housel discusses author Jason Siegel's book, The Future for Investors, his data examining the original 500 companies that made up the Standard & Poor’s 500 in 1957 and the buy and hold success an investor could have had. "
If you haven’t ventured to the Bogleheads forum, you should. The site provides a wealth of information and often a great way to get an investment question answered from experts. If you are lucky, you may even get a response from Bill himself, he makes an appearance from time to time helping investors from around the world.
It is time to nestle down for the evening, grab your pen and paper, favorite beverage and spend an evening with Bill. What’s the biggest drain on your portfolio? How did your funds perform in 2014? Should you be investing in bonds? Find out the answers to these questions and more tonight at 6pm (PST) with our first […]
Coffeehouse Investor RSS feed
The Finance Buff
TFB - The Finance Buff
2015 and 2016 calendar year HSA contribution limit and HDHP qualification for individual coverage and family coverage. Small increases due to low inflation.
The Federal Poverty Levels (FPL) is used to determine the premium subsidy tax credit under the Affordable Care Act. You should know where the cutoff is.
Schwab Intelligent Portfolios will use Schwab ETFs as the primary ETFs in most asset classes.
New IRS regulation makes it crucial to adjust the cost basis from 1099-B when you sell ESPP shares. Otherwise you will be double-taxed. Here's how to do it in H&R Block software.
The true cost of holding cash in Schwab Intelligent Portfolios is much lower than what you are led to believe.
The Finance Buff RSS feed
Retirement Researcher Blog by Wade Pfau
Retirement Researcher Blog RSS feed