News and blogs contains the RSS feeds for news sites and site participant's blogs. (Podcasts can be found here.)
In recent weeks, a number of Vanguard mutual funds reported changes in their expense ratios.
With the tax filing deadline behind us, it's a good time to look ahead for ways to minimize your tax bite in 2014 and beyond, while keeping recent federal tax law changes in mind.
With the bull market now stretching into its sixth calendar year and corporate profits becoming harder to sustain, the emphasis on quality is as persuasive as ever. In the most recently published Vanguard fund reports, several advisors noted the importance of quality in portfolio construction.
Have you ever dreamed of receiving a financial windfall, winning the lottery, selling a successful business, or perhaps getting an unexpected inheritance? If that windfall is now real, there are a few things you'll want to consider to help keep your dream of long-term financial health real too.
As temperatures rise across the United States with the onset of spring, the nation's economic data show green shoots of growth following a harsh winter.
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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 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 [...]
For investors who prefer paper I Bonds to the electronic I Bonds issued via TreasuryDirect, there’s still a back-door option that allows you to purchase an additional $5,000 in paper I Bonds per tax return per year.
Two steps forward and one step back. That’s the stock market for you. It’s a dance all new investors need to learn because it affects the portion of your portfolio that you have allocated to common stocks. Two steps forward and one step back. The stock market has been dancing to that tune ever since [...]
Today’s guest columnist is author Bill Schultheis. The beat goes on. Corporate America continues its relentless shift away from defined benefit plans and toward defined contributions in helping workers prepare for retirement. Recently, American auto maker Chrysler announced it was going to freeze its pension plan for about 8,000 workers, transferring them to a defined [...]
The Bogleheads® View
Rick Ferri Blog
The dispersion among individual stock returns varies over time. Low dispersion occurs when all stocks tend to move in the same direction, and high dispersion occurs when stocks tend to go their separate ways. It’s during a period of high dispersion we hear Wall Street gurus proclaim: “It’s a stock picker’s market.” The inference is that it’s easier to beat the market during these periods. That’s not true.
Imagine we’re on an intergalactic spaceship traveling far away from Earth. It’s a quiet day. There are no meteor storms or alien encounters to contend with. We’re sitting in the Solar Lounge discussing a topic of great interest to both of us – the root elements of investment value. Our dialogue is as follows: What defines investment value? Is it the return of an investment over time? We contemplate this and decide that return cannot be a good definition of value because inflation causes prices to rise, which is not an increase in real value. Then inflation gains are taxed by governments, which reduces real value.
Freedom is not free. Our rights and privileges come at a high cost. The brave men and women who fought and died for our freedom are not able to enjoy the sacrifices they gave, but their families and friends are, and that’s what’s important. Seeing this reality firsthand as a young Marine Corp officer changed my life. It also shaped my career in the investment industry.
I’m often asked what I think about asset location strategies. This is a tax management technique where an investor places the most tax-efficient investments in the least tax-efficient account type and vice versa to reduce near-term taxes. There are advantages and disadvantages to this strategy. I believe whether you choose to do this or not is a matter of preference rather than substance.
Love and money have a lot in common. It struck me how similar these two pursuits are while reading a recent Wall Street Journal article on the pursuit of a satisfying life by Charles Murray. We seek both love and money over our lifetimes; we’re drawn to them, fight over them, agonize over them, neglect them and lose them on occasion, and then seek them again.
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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
A reader writes in, asking: “I don’t get it. From reading Harry Sit’s series on Vanguard financial plans, why would I want to pay for a financial plan if all that’s included in the portfolio is the same four funds that are included in a target retirement fund anyway? That seems like a cookie cutter […]
This week I especially enjoyed a piece from Bryan Caplan at EconLib about when to advise people to a) try harder as opposed to b) trying something easier, as well as an investing-specific followup piece at Abnormal Returns. Try Harder or Do Something Easier? from Bryan Caplan at EconLib Active vs. Passive: Try Harder or Do […]
In reply to a recent Vanguard blog post indicating that investors contribute significantly more to Roth IRAs than to traditional IRAs, a reader asked for an explanation of when it makes sense to use a Roth IRA as opposed to traditional IRA. For most people, the question of whether to make tax-deferred (i.e., “traditional”) retirement […]
Just a friendly reminder: We’re down to the wire here on 2013 IRA contributions. Also, for those of you who will have to make estimated tax payments in 2014, April 15 is the due date for payment #1. Investing Articles If You Can: How Millennials Can Get Rich Slowly (a new short book by William Bernstein) […]
Reminder: Today at 3pm EST, I’ll be participating in a WSJ webcast about creating an action plan for tapping investments and Social Security in retirement. Questions from viewers are very welcome, so please join us. (For anybody who is interested but who cannot make it at the scheduled time, a recorded version of the webcast will be available at the […]
Oblivious Investor RSS feed
Bill Schultheis - The Coffeehouse Investor
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Easy investing - it’s a simple approach really but many investors continue to try and time the market, eager for the next hot stock, and spend entirely too much emotional energy stressed about Wall Street’s next move. The act of simple investing with a few stocks and rebalancing when appropriate was highlighted in a recent Wall Street Journal article
Remember when we told you to avoid the unnecessary noise of Wall Street or did you hear Bill repeatedly remind you during a webinar? (By the way, next webinar is April 23rd @ 6pm - The Ins & Outs of Rebalancing.) If you haven’t heard or seen the latest mudslinging in regards to Michael Lewis’ new book, Fast Boys you may get an earful. Mr. Lewis, IEX founder Brad Katsuyama, and BATS Global Market President appeared on CNBC on Tuesday and between the accusations and arguing, it became quite a show for the trading floor.
It often takes inspiration from another place to provide much needed personal insight. I came across the quote "Buy Less, Choose Well" and then read an article we featured this month in our newsletter about a retired couple who figured out how to live off a little less to achieve their goals long term.
I’m sure you are busy filling out your NCAA tournament bracket for the office pool but if you haven’t heard the news yet, Warren Buffett (technically Quicken Loans and Yahoo!) is going to give you a billion dollars if you can predict the perfect NCAA tournament bracket.
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The Finance Buff
TFB - The Finance Buff
In previous articles I said Eli Lilly Federal Credit Union (Elfcu) offered the best HSA for investing HSA money. I moved my HSA there. I documented the setup process in details in Setting Up HSA at Eli Lilly Federal Credit Union. New Wire Transfer Fee Reader John brought to my attention that Elfcu started a […]
The more I think about retirement, the more I realize it’s a very loose concept. You hear in the media how many Americans can’t afford to retire. If retirement itself isn’t very well defined, what exactly does it mean by saying someone can or can’t retire? Blogger Pete MMM was profiled in a Washington Post […]
While looking for a feature photo for my articles on using a financial advisor, I only found ones like this: The pictures show either a couple sitting across the table at the advisor’s office or the advisor coming to their home. The common phrase for working with an advisor is “sit down with an advisor.” […]
Starting next week, my weekly digest like this one will move to e-mail delivery only. I’m making this change because I want to populate the blog website with only full-featured articles. Regular articles will still be posted to the blog and included in the RSS feed. Current e-mail subscribers will continue receiving both new blog […]
Up to the end of 2012, there had been news articles every year saying if Congress didn’t act how many millions of taxpayers would be caught by the Alternative Minimum Tax (AMT). Every year, Congress came to the rescue with a patch, saving those millions of taxpayers from the claws of AMT. They got tired […]
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Vanguard Blog - Insights and opinions from Vanguard leaders
I posted a blog in early January 2014 outlining my seven financial resolutions for the new year. I've made some progress, but frankly, I have some considerable work yet to do.
Here's an update:
April is here, and, for some, it’s a time to welcome spring. For others, it means a race against the clock to get their 2013 tax return done before the April 15 deadline. And part of that process frequently involves …
Municipal bonds and emerging markets have not seen the same rally as U.S. stocks and may hold a greater risk premium, Vanguard Chief Economist Joe Davis says.
It’s a question that’s harder to answer today than has been in …
Early in my Vanguard career, I accompanied Vanguard founder Jack Bogle to a meeting in New York City. I’d never traveled anywhere with the founder of a multi-billion-dollar anything before. Would we chopper up to the East 34th Street Heliport? …
In a famous experiment, psychologists Christopher Chabris and Daniel Simons asked people to watch a video of people playing basketball and count the number of passes. Technically, the answer is 15, but that misses the point of the experiment.
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For medical professionals (by Jim Dahle a.k.a. EmergDoc)
The White Coat Investor - Helping those who wear the white coat get a "fair shake"
[Editor's Note: This is a guest post from Lawrence Fassler at Realty Mogul. We have no financial relationship at this time.] Credit markets are continually evolving. The peer-to-peer lending businesses like LendingClub and Prosper, which sprang up to better service some consumer credit markets, showed that profitable financial sub-markets (like credit card re-finance) still exist. Real estate credit markets offer a familiar appeal to individuals whose house is often their largest single asset. Mortgages might … Continue reading →
Nearly every educated financial advisor agrees that tax diversification is a great idea when planning for your distributions in retirement. Tax diversification means having some of your assets in tax-deferred accounts (fully taxed upon withdrawal), some of your assets in Roth accounts (tax-free upon withdrawal), and some of your assets in taxable accounts (earnings taxed at lower long-term capital gains/dividend rates, or tax-free in the case of municipal bonds). However, it can be very difficult … Continue reading →
I discuss whole life insurance all the time on this blog. I don’t actually post about it all that much, but the comments on these posts number over 1000, and go on for years and years after the post is written. Most of the posts address whether or not you should buy a whole life policy (or its cousins, Universal Life and Variable Life). I generally recommend against them, and the insurance salesmen who love … Continue reading →
[Editor's Note: This is a guest post from Joe Capone, an insurance agent and a regular guest poster on the blog. Although this isn't a paid post, he is a regular advertiser on the blog. His websites, insuringincome.com and omnimedfinancial.com, provides lots of good information and tools including instantaneous quotes for term life insurance that don't require you to disclose any personal information. In this post, he discusses some of the unique aspects of disability … Continue reading →
I don’t hear about new ideas very often, but here is one that a few people might find very useful. I call it the “Mega Backdoor Roth IRA.” There are several variations. Two of them work well for selected people, but after discussing the third with several retirement plan experts, it probably isn’t a viable option. Prior to getting into the variations, I need to point out that most physicians and most Americans probably don’t … Continue reading →
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