Search found 2397 matches

by Index Fan
Sun Jun 25, 2017 9:46 am
Forum: Investing - Theory, News & General
Topic: Anyone else gotten totally bored with investing?
Replies: 98
Views: 8316

Re: Anyone else gotten totally bored with investing?

Yes. Much less tinkering than I used to do. There's more to life!
by Index Fan
Tue Jun 20, 2017 1:07 pm
Forum: Investing - Theory, News & General
Topic: Do Bonds have a place if basic expenses are covered by income streams?
Replies: 69
Views: 3456

Re: Do Bonds have a place if basic expenses are covered by income streams?

I have a pension that covers my living expenses but still maintain an AA of 50/50. I'm not interested in the market whipsawing my net worth in a big way.
by Index Fan
Tue Jun 20, 2017 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Liability with dogs, hypothetical
Replies: 67
Views: 2883

Re: Liability with dogs, hypothetical

I'm a big animal lover and would urge you to be a responsible dog owner. There are too many who are irresponsible- I see this almost every day. I get along with virtually any animal and enjoy petting dogs cats etc. but have been confronted a few times by snarling dogs whose owners couldn't be bother...
by Index Fan
Sun Jun 18, 2017 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Siblings in disagreement over mom's house.
Replies: 241
Views: 16200

Re: Siblings in disagreement over mom's house.

I'd urge people not to leave joint custody of property to family members. Such things often bring out the worst in people and can tear families apart.

There are many examples of such outcomes, I'll spare you my family's example.
by Index Fan
Sat Jun 17, 2017 2:40 pm
Forum: Investing - Theory, News & General
Topic: Your Favorite Portfolio Tilts
Replies: 86
Views: 5864

Re: Your Favorite Portfolio Tilts

I'm essentially a lumper (TSM, TISM, TBM, a bit in TIPS) with 10% of my portfolio in VG REIT Index. It's added spice- diversification and higher positive returns- to my portfolio over the years. It's worked out for me so far in the 21st century.
by Index Fan
Sun Jun 11, 2017 10:08 pm
Forum: Investing - Theory, News & General
Topic: Bogle Doubles Down on US Index Funds
Replies: 118
Views: 11936

Re: Bogle Doubles Down on US Index Funds

From another recent interview with Mr. Bogle: "So if people knew they were putting 45% of their so-called international, non-US, money in Great Britain, France and Japan — I mean every one of those three countries has real problems," Bogle said. "The French don’t work very hard, The ...
by Index Fan
Sun Jun 11, 2017 10:00 pm
Forum: Investing - Theory, News & General
Topic: Add TIPS and High Yield Corporate Bonds To Your Portfolio?
Replies: 16
Views: 1403

Re: Add TIPS and High Yield Corporate Bonds To Your Portfolio?

I have a modest portion of my fixed income (mostly consisting of TBM) in TIPS. I think Taylor is correct on taking your risks on the equity side, not fixed income which is more for stability. I have no desire to own high yield for that reason.
by Index Fan
Sun May 21, 2017 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Watching elderly family members burn money
Replies: 17
Views: 2632

Re: Watching elderly family members burn money

Americans and their money, American families. Two subject that have produced many novels.

Don't take it to heart or you'll grow bitter.
by Index Fan
Tue May 02, 2017 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Convince me that I'm holding too much cash
Replies: 62
Views: 8007

Re: Convince me that I'm holding too much cash

Only you can decide if you have too much cash.
by Index Fan
Thu Apr 20, 2017 4:30 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 37677

Re: Larry Swedroe says "Goodby."

I'll miss you, Larry. Thanks for your help over the years. I leaned a lot from you.
by Index Fan
Tue Apr 04, 2017 9:39 am
Forum: Investing - Theory, News & General
Topic: Early retirees - how did you inform your loved ones and friends?
Replies: 54
Views: 5935

Re: Early retirees - how did you inform your loved ones and friends?

In my experience, the less personal information you volunteer to everyone, the better. Sadly.

All sorts of assumptions will be made about you, often fitting what people want to think about you, or what advantage they can take of you.
by Index Fan
Tue Apr 04, 2017 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Credit Union Places Me in Crosshairs
Replies: 17
Views: 2053

Re: Credit Union Places Me in Crosshairs

If it was packaged so your personal information (not just name & address but SSN & DL ID #) was visible to everyone handling it, I'd: 1) Demand that this practice stop 2) If you do not get satisfaction, talk to an attorney That is insane in this day and age. Reminds me of when I joined a cre...
by Index Fan
Sun Apr 02, 2017 9:05 am
Forum: Investing - Help with Personal Investments
Topic: Andrew Tobias's "The only investment guide you'll ever need" $2.99 on Kindle
Replies: 4
Views: 1055

Re: Andrew Tobias's "The only investment guide you'll ever need" $2.99 on Kindle

This was one of the very first investing books I read. I picked it up- worthwhile and entertaining.
by Index Fan
Thu Mar 30, 2017 10:16 am
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 193
Views: 28636

Re: John Bogle on international

Diversity is good, except when Saint Jack says it isn't.
by Index Fan
Sat Mar 25, 2017 9:07 am
Forum: Investing - Theory, News & General
Topic: Justification for Adding REITs
Replies: 77
Views: 6564

Re: Justification for Adding REITs

I've held a 10% position in the VG REIT Index for 16 years now and it has been a good diversifier and is one of my highest-returning funds during that time period. It's a wild ride at times, but this is my 10% position in 'tilting'. The rest of my portfolio is basically TSM / TISM / TBM / TIPS.
by Index Fan
Tue Mar 14, 2017 11:27 am
Forum: Personal Finance (Not Investing)
Topic: When should you replace a vehicle?
Replies: 52
Views: 4528

Re: When should you replace a vehicle?

I replace mine when they die or when they cost as much to keep on the road as getting another car would cost.
by Index Fan
Tue Mar 14, 2017 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Is the Vanguard Balanced Index Fund all you need?
Replies: 58
Views: 9221

Re: Is the Vanguard Balanced Index Fund all you need?

You could do a lot worse. This is a good one-stop fund.
by Index Fan
Mon Mar 13, 2017 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: "We’re not going back to the ‘80s, but expect the Fed to raise rates" by Joe Davis of Vanguard
Replies: 28
Views: 3793

Re: "We’re not going back to the ‘80s, but expect the Fed to raise rates" by Joe Davis of Vanguard

The increasing of interest rates to more normal levels is in my view way overdue. I for one don't like having to use a microscope to see what my interest rate is on my savings accounts or to see what the bank has actually paid me for having money deposited with them. It has been tough on our senior...
by Index Fan
Mon Mar 13, 2017 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: 0.47% expense ratio - too high?
Replies: 24
Views: 2459

Re: 0.47% expense ratio - too high?

My personal level of ERs starting to feel a little high is 20-25 basis points. Not that I haven't owned funds with higher ERs, but Vanguard and Fidelity (Spartan) have spoiled me terribly.
by Index Fan
Fri Mar 10, 2017 11:56 am
Forum: Investing - Theory, News & General
Topic: Sitting on cash....Waiting for a crash
Replies: 129
Views: 18418

Re: Sitting on cash....Waiting for a crash

The market can remain irrational longer than you can remain solvent.

50/50 AA, not worrying about it.
by Index Fan
Thu Mar 09, 2017 11:58 am
Forum: Investing - Theory, News & General
Topic: Does anyone own gold?
Replies: 114
Views: 9869

Re: Does anyone own gold?

A small amount, more for insurance purposes than investment. Wow, a lot fewer gold bugs around here than I would have thought Like everything else on this board, when something is doing great there are all sorts of advocates. When something is doing poorly, there are few advocates. Bogleheads aren't...
by Index Fan
Thu Mar 09, 2017 11:56 am
Forum: Personal Finance (Not Investing)
Topic: How Much in Your Emergency Fund And Is It Used?
Replies: 176
Views: 16360

Re: How Much in Your Emergency Fund And Is It Used?

I find it fascinating that quite a few people obsess over such a small part of investing.
by Index Fan
Tue Mar 07, 2017 1:04 pm
Forum: Investing - Theory, News & General
Topic: Could the TSP solve the retirement crisis?
Replies: 4
Views: 885

Re: Could the TSP solve the retirement crisis?

Definitely interesting!

This is the mainstreaming of Bogleheadism.
by Index Fan
Wed Mar 01, 2017 10:25 am
Forum: Investing - Theory, News & General
Topic: Mom & Pop investors piling in. Bad Sign/Good sign?
Replies: 36
Views: 7193

Re: Mom & Pop investors piling in. Bad Sign/Good sign?

Historically, this is a bad sign. But no one knows the timing. For several years people thought bonds had nowhere to go, but they kept producing good returns.

Nobody knows the timing of such things.
by Index Fan
Sat Feb 25, 2017 12:40 pm
Forum: Investing - Help with Personal Investments
Topic: Bogleheads' Philosophy a Generalization?
Replies: 55
Views: 3533

Re: Bogleheads' Philosophy a Generalization?

Do I have this correct, the Bogleheads' strategy is to invest in low cost index funds because they perform as well as or outperform 98% (or some near perfect number) of all mutual funds? If so, what about the other 2%? Apparently it's not hard to find funds that have been outperforming indexes and ...
by Index Fan
Fri Feb 17, 2017 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Bogleheads not the norm?
Replies: 116
Views: 11202

Re: Bogleheads not the norm?

I'm a lower-income Boglehead who has never made more than 50k a year. I don't have a 7-figure portfolio. I don't always stay within my budget, nor did I ever max out all my retirement accounts. When I learned about investing over 20 years ago, the Bogleheads approach just made sense to me. In my opi...
by Index Fan
Sat Feb 11, 2017 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: Medium term savings goals
Replies: 14
Views: 827

Re: Medium term savings goals

For 3-10 years a bond fund would be good, even a conservative asset allocation fund if you wanted some more risk.
by Index Fan
Sat Feb 11, 2017 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Keep a Local Bank?
Replies: 76
Views: 5348

Re: Keep a Local Bank?

I have both a brick and mortar bank and an online savings bank. The former is for 'just in case' (a bank is 5 minutes down the road from me) and the latter is to maximize interest earned on the cash I keep in savings.
by Index Fan
Thu Feb 09, 2017 9:02 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Prime [versus] Total Bond
Replies: 12
Views: 1057

Re: Vanguard Prime virus Total Bond

Bonds have been said to have been dead for several years now. They've done well.

I suspect they'll do better than you anticipate.
by Index Fan
Tue Feb 07, 2017 10:04 am
Forum: Investing - Help with Personal Investments
Topic: Best Fund(s) in Taxable Account for a Low Income Retiree with Little Savings?
Replies: 3
Views: 534

Re: Best Fund(s) in Taxable Account for a Low Income Retiree with Little Savings?

Taylor Larimore wrote:PStrider:

I would strongly consider Vanguard Target Retirement Income Fund:

https://personal.vanguard.com/us/funds/ ... IntExt=INT

Best wishes.
Taylor



Taylor is spot-on.
by Index Fan
Tue Feb 07, 2017 9:58 am
Forum: Investing - Help with Personal Investments
Topic: Invest Emergency Fund in Bonds
Replies: 11
Views: 1283

Re: Invest Emergency Fund in Bonds

I have part of my emergency fund in an online savings account, and part in a bond fund. Works for me.
by Index Fan
Sat Feb 04, 2017 8:51 am
Forum: Investing - Help with Personal Investments
Topic: All investments with Vanguard - Should I diversify
Replies: 19
Views: 2025

Re: All investments with Vanguard - Should I diversify

It's a good idea to have a couple of investment companies IMHO. While the risk may be low of anything going wrong, it's prudent to have a backup plan.
by Index Fan
Mon Jan 23, 2017 9:51 am
Forum: Investing - Theory, News & General
Topic: Hypo: What would you do if you were SURE of impending deline in markets
Replies: 62
Views: 4779

Re: Hypo: What would you do if you were SURE of impending deline in markets

For several years, many prognosticators were sure bonds had 'nowhere to go but down'. They were wrong for several years.

Don't fall for the guessing game.
by Index Fan
Sun Jan 22, 2017 7:45 pm
Forum: Investing - Help with Personal Investments
Topic: Investment in International Bond Index
Replies: 5
Views: 741

Re: Investment in International Bond Index

I own a modest amount of Intl Bond as a part of a TR fund. I prefer to get my international/currency diversification with equities. Bond returns are pretty low to get any significant amount of that diversification. The purpose of bonds to me is to be semi-safe ballast in a total portfolio. I'm not o...
by Index Fan
Thu Jan 19, 2017 9:37 am
Forum: Investing - Theory, News & General
Topic: "The Year in Alternative Funds: A Bumpy Road With Some Bright Spots"
Replies: 21
Views: 2480

Re: "The Year in Alternative Funds: A Bumpy Road With Some Bright Spots"

james22 wrote:
Taylor Larimore wrote:+12.84% S&P 500 Index


+47.8% PM&M (VGPMX)

+30.7% Energy (VGELX)



So all you had to do was sector market-time! I wonder how market-timing works out over the long run, someone should do a study!
by Index Fan
Thu Jan 19, 2017 9:30 am
Forum: Investing - Theory, News & General
Topic: Vanguard's new "account overview" page... BOO!
Replies: 105
Views: 11320

Re: Vanguard's new "account overview" page... BOO!

Perhaps the large font is for older eyes. Tiny print and old eyes don't go well together.

Mobile phones have tiny screens to begin with.
by Index Fan
Wed Jan 18, 2017 9:48 pm
Forum: Investing - Theory, News & General
Topic: Fed Rate [may go] to 3% - [investing consequences?]
Replies: 85
Views: 9848

Re: Fed Rate to 3%

Ged wrote:I'm a retired guy with a 40/60 allocation mostly in short and intermediate bond funds. I will rebalance if the value of the bonds drop more than 10%.

Otherwise I welcome our new higher yield overlords.

Now back to my nap.



Now THAT is a true Boglehead!
by Index Fan
Mon Jan 16, 2017 7:27 pm
Forum: Investing - Help with Personal Investments
Topic: Short and Intermediate Term Bond Funds
Replies: 14
Views: 2329

Re: Short and Intermediate Term Bond Funds

Vanguard Total Bond Market Index
Vanguard TIPS

(a modest amount in VG International Bond Index & VG Short Term TIPS as part of VG Target Retirement fund)

I like keeping it simple- plus Total Bond owns a wide variety of investment-quality bonds.
by Index Fan
Mon Jan 16, 2017 4:30 pm
Forum: Investing - Theory, News & General
Topic: Target Date Fund - Retirement Years
Replies: 29
Views: 3110

Re: Target Date Fund - Retirement Years

I'm retired and use TR funds (though not exclusively).
by Index Fan
Mon Jan 16, 2017 1:14 pm
Forum: Investing - Theory, News & General
Topic: 3 Vanguard Funds That Are Taking on Water
Replies: 29
Views: 5836

Re: 3 Vanguard Funds That Are Taking on Water

dbr wrote:I is a tough business when your income depends on coming up with nonsense day after day.



:thumbsup
by Index Fan
Sat Jan 14, 2017 9:15 pm
Forum: Investing - Theory, News & General
Topic: Why not put it all in TIPS?
Replies: 87
Views: 5692

Re: Why not put it all in TIPS?

Just say that I've got my tuna, Krugerrands and ammo. What do you think is a safer investment than U.S. Govt. securities? A diversified portfolio with multiple asset classes (which can have a good amount of U.S. Govt. securities). You seem obsessed with the idea that safe means only one asset class...
by Index Fan
Sat Jan 14, 2017 4:26 pm
Forum: Investing - Theory, News & General
Topic: Why not put it all in TIPS?
Replies: 87
Views: 5692

Re: Why not put it all in TIPS?

As a general rule, putting all of one's money into one asset is a horrible idea.

TIPS had large liquidity problems in 2008 that no one saw coming before 2008.

Diversification is a core tenet of Bogleheadism. Don't put all of your eggs in one basket.
by Index Fan
Fri Jan 13, 2017 9:21 am
Forum: Investing - Help with Personal Investments
Topic: Mother's Recent Death: Helping Father with Retirement
Replies: 17
Views: 2407

Re: Mother's Recent Death: Helping Father with Retirement

Go see a fee-only financial planner. Don't see someone who wants a percentage of your father's money and will generate money for themselves, not dad.
by Index Fan
Thu Jan 12, 2017 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: Inquiring about family finances?
Replies: 46
Views: 4190

Re: Inquiring about family finances?

I long ago stopped talking about money to anyone unless they ask me for advice (which virtually never happens). This comes from a person who gave copies of The Bogleheads Guide To Investing to all my friends and family (as far as I know, nobody read it). After the fact, I have heard story after stor...
by Index Fan
Thu Jan 12, 2017 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: [Redemptions missing from Treasury Direct Account]
Replies: 20
Views: 1263

Re: Fraud in Treasury Direct Account

This is crazy. I had a TD account and I could barely get into it without submitting a full dossier of my personal info, so much so that I just stopped using the account. Someone else getting in and taking the contents would be bizarre.
by Index Fan
Thu Jan 12, 2017 3:36 pm
Forum: Investing - Theory, News & General
Topic: Bogle says 50-50 short/intermediate bonds
Replies: 45
Views: 6355

Re: Bogle says 50-50 short/intermediate bonds

I'm not John Bogle so I'll stick with Total Bond Market Index with some TIPS on the side.

Go to advanced search