Search found 2283 matches

by Index Fan
Fri Sep 30, 2016 11:35 am
Forum: Investing - Help with Personal Investments
Topic: How much cash should I have in my portfolio?
Replies: 19
Views: 2081

Re: How much cash should I have in my portfolio?

How much cash you have in your portfolio is like your asset allocation decision- how much makes you feel comfortable? I view cash as a part of a diversified portfolio of equities and bonds. I don't want to hold too much of it, due to its lack of inflation protection, but having enough on hand not to...
by Index Fan
Fri Sep 30, 2016 11:07 am
Forum: Investing - Help with Personal Investments
Topic: Are REITS appropriate in a "buy and hold" portfolio?
Replies: 16
Views: 1636

Re: Are REITS appropriate in a "buy and hold" portfolio?

I'm a buy-and-holder with 10% of my total portfolio in the VG REIT Index. I'm largely a lumper- 90% of my portfolio consists of TSM, TISM, TBM, and VG TIPS Fund- the 10% in the REIT Index is my one nod to slice-and-dice. The volatility (and over the last 16 years, the increased return) of RIETs has ...
by Index Fan
Thu Sep 29, 2016 7:13 pm
Forum: Investing - Help with Personal Investments
Topic: Furious about adult education class [Investment seminar]
Replies: 42
Views: 3356

Re: Furious about adult education class

The sooner you make your peace with the world being non-optimal, the sooner you can focus on what you yourself can control.
by Index Fan
Thu Sep 29, 2016 7:01 pm
Forum: Investing - Theory, News & General
Topic: Total Bond Market vs. 2% CD
Replies: 23
Views: 4135

Re: Total Bond Market vs. 2% CD

Total Bond Market Index returns: 2008: 5.15% 2009: 6.04% 2010: 6.54% 2011: 7.69% 2012: 4.15% 2013: -2.15% 2014: 5.89% 2015: 0.40% YTD 5.81% Useful information if you have a time machine. Actually, if you have a time machine, you could have done much better. Kevin Nothing to do with a time machine. ...
by Index Fan
Thu Sep 29, 2016 6:56 pm
Forum: Investing - Theory, News & General
Topic: reit allocation
Replies: 25
Views: 1510

Re: reit allocation

I have 10% of my total asset allocation allotted to the VG REIT Index. I consider it part of my equity allocation. It has worked out well for me for the last 16 years and has been a good diversifier. It is not a fund for the faint of heart, but the other 90% of my portfolio is TBM/TIPS/TSM/TISM whic...
by Index Fan
Wed Sep 28, 2016 8:07 am
Forum: Investing - Theory, News & General
Topic: The allocation you pick has little to do with performance success
Replies: 42
Views: 4140

Re: The allocation you pick has little to do with performance success

We don't know what allocation will return the most in the future.

Set an allocation you are comfortable with and go live your life.
by Index Fan
Wed Sep 28, 2016 7:53 am
Forum: Investing - Help with Personal Investments
Topic: What Percentage To Put In International Stock?
Replies: 58
Views: 4728

Re: What Percentage To Put In International Stock?

It should be noted that since Mr. Bogle first recommended 0%-20% foreign stocks in 1993, U.S. stocks have significantly outperformed international stocks. He has been right for U.S. investors. This appears to be saying 'diversity is bad when it leads to underperformance of the best-performing asset...
by Index Fan
Mon Sep 26, 2016 8:56 pm
Forum: Investing - Theory, News & General
Topic: Total Bond Market vs. 2% CD
Replies: 23
Views: 4135

Re: Total Bond Market vs. 2% CD

Total Bond Market Index returns:

2008: 5.15%
2009: 6.04%
2010: 6.54%
2011: 7.69%
2012: 4.15%
2013: -2.15%
2014: 5.89%
2015: 0.40%

YTD 5.81%
by Index Fan
Wed Sep 21, 2016 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: What Percentage To Put In International Stock?
Replies: 58
Views: 4728

Re: What Percentage To Put In International Stock?

From zero to 50%, depending on who you talk to. Vanguard says 40%. I have 33%. It's true that international is increasingly correlated with the US stock market. I like international equity for the currency diversification.
by Index Fan
Wed Sep 21, 2016 3:30 pm
Forum: Investing - Theory, News & General
Topic: Do Bogleheads Bucket?
Replies: 87
Views: 6939

Re: Do Bogleheads Bucket?

An emergency fund (as discussed here) is a bucket, really. OK, a quasi-bucket.
by Index Fan
Tue Sep 20, 2016 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Anyone accidentally tell a friend about your inheritance?
Replies: 83
Views: 9076

Re: Anyone accidentally tell a friend about your inheritance?

I too learned my lesson when talking about finances. I foolishly mentioned how much I'd made in the market at a family gathering. Some months later, a relative asked to borrow money from me because they couldn't afford the balloon payment on their house and were desperate to throw other relatives' m...
by Index Fan
Wed Jul 27, 2016 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: Think larva stage when I say "newbie" [buy an annuity?]
Replies: 25
Views: 1416

Re: Think larva stage when I say "newbie" [buy an annuity?]

Don't do it! Take your time to read up on investing, then make your decision.
by Index Fan
Tue Jul 26, 2016 7:58 am
Forum: Investing - Help with Personal Investments
Topic: short term (1 yr) investing strategy
Replies: 7
Views: 544

Re: short term (1 yr) investing strategy

nmack wrote:Any money you need for the house should be in a savings account (preferably 1%) or Very short term investments (< 1 year cd/bond) Anything else is far too risky for a 1 year time frame.


This is the way to go.
by Index Fan
Sun Jul 24, 2016 7:33 am
Forum: Investing - Help with Personal Investments
Topic: 20% In REITS?
Replies: 45
Views: 3779

Re: 20% In REITS?

I'm a 'lumper' (owning Total Stock Market, Total International Stock, Total Bond, TIPS) that has a 10% REIT Index holding as a nod to the 'slice n' dice' strategy. I've done this for the past 15 years or so and it's worked out well for diversification (future results may be different yadda yadda).
by Index Fan
Fri Jul 22, 2016 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Where were you financially when you were at 30?
Replies: 226
Views: 24605

Re: Where were you financially when you were at 30?

At 30, I picked up a 2nd job to get out of debt, and I started- in a small manner- to invest. 5 years later, I was a Boglehead.
by Index Fan
Fri Jul 22, 2016 7:03 am
Forum: Personal Finance (Not Investing)
Topic: How many folks choose to give inheritance to their children in unequal portions?
Replies: 193
Views: 16964

Re: How many folks choose to give inheritance to their children in unequal portions?

You often find out what people value by watching them divy up the spoils after the funeral. True. Also, you may be surprised to know that some children who are 'struggling' would resent an even distribution of an inheritance- 'why does HE get as much as I when he has so much and I so little?' Human...
by Index Fan
Tue Jul 05, 2016 5:31 pm
Forum: Investing - Theory, News & General
Topic: "Jane Bryant Quinn: Plan for a long retirement and maybe even a 101st birthday party."
Replies: 66
Views: 6623

Jane Bryant Quinn advocates for a bucket strategy

Interesting- I know Quinn has many fans here. Jane Bryant Quinn: Plan for a long retirement and maybe even a 101st birthday party (Vanguard) https://personal.vanguard.com/us/insights/article/quinn-plan-retirement-062016 The book advocates "bucket" investing. Would you explain what that is ...
by Index Fan
Tue Jul 05, 2016 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Money vs. Happiness
Replies: 94
Views: 11386

Re: Money vs. Happiness

I get a kick out of 'money vs. happiness' threads, because most of the people posting on them are probably among the wealthiest 10-20% of Americans. The working class (and more and more the shrinking middle class) has little scope for such debates. If you can debate this issue, you're better off tha...
by Index Fan
Fri Jun 17, 2016 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Dr. Charges Facilities fee of $300 - what should I do?
Replies: 142
Views: 8694

Re: Dr. Charges Facilities fee of $300 - what should I do?

No wonder the hospital-industrial complex builds 'facilities' the size of cities these days. Last time I went to a hospital, 6 different people saw me, each for a small amount of time, one just to extract as much money as he could out of me. Talk about a going concern. This also illustrates the dang...
by Index Fan
Fri Jun 10, 2016 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: REITs [good investment?]
Replies: 18
Views: 2699

Re: REITs [good investment?]

I've held approximately 10% of my portfolio in the VG REIT Index for the last 15+ years. It has been a solid diversifier and has done well over that time. Since I don't know what the future holds, I'm holding onto my position. This applies to my positions in the Total Stock Market Index, Total Inter...
by Index Fan
Fri Jun 10, 2016 5:34 pm
Forum: Investing - Help with Personal Investments
Topic: Maxed out 457, 403b and Roth IRA, What's next?
Replies: 3
Views: 315

Re: Maxed out 457, 403b and Roth IRA, What's next?

Relax and spend a little on you and yours. You've earned it and if you die before using your investments, you'll have some fond memories.

Moderation in all things.
-Aristotle
by Index Fan
Thu Jun 02, 2016 8:04 am
Forum: Investing - Theory, News & General
Topic: Thank you Taylor Larimore
Replies: 51
Views: 7906

Re: Thank you Taylor Larimore

'There are many roads to Dublin' is an absolute classic. Much of what is debated on his board matters little after you get past the basics such as diversify, buy low-cost funds and having an AA that allows you to sleep comfortably.

Thanks Taylor, for keeping things in perspective.
by Index Fan
Sat Apr 30, 2016 9:04 am
Forum: Investing - Theory, News & General
Topic: McKinsey report on diminishing returns
Replies: 91
Views: 7593

Re: McKinsey report on diminishing returns

Leesbro63 wrote:Savers will save. Spenders will spend and investment returns will be what they will be.


Wise words.
by Index Fan
Sat Apr 30, 2016 9:02 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 174
Views: 14391

Re: Is Vanguard phone support always this bad?

When I patronize a very low cost business, I do not expect Cadillac customer service. I accept this situation because I've rarely needed to use customer service and I've saved a lot in fees over the years.
by Index Fan
Tue Apr 26, 2016 5:26 pm
Forum: Investing - Theory, News & General
Topic: Why Are Real Interest Rates So Low Worldwide?
Replies: 87
Views: 9710

Re: Why Are Real Interest Rates So Low Worldwide?

Of possible interest-

"A Total Game Changer" - From Over-Population To De-Population (Zero Hedge)

http://www.zerohedge.com/news/2016-04-2 ... population
by Index Fan
Tue Apr 26, 2016 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Local Major Bank Recommendations
Replies: 16
Views: 1165

Re: Local Major Bank Recommendations

Best advice is to use locally owned bank or CU where you can get to know management and they can get to know you. Have had Wells Fargo account for almost 40 years until got fed up with their seeming incompetence and now BofA account but still miss the locally owned bank in which I was a very minori...
by Index Fan
Fri Apr 22, 2016 11:00 pm
Forum: Investing - Theory, News & General
Topic: Do you think this is a bad time to enter the market? With the dow at 18,000
Replies: 89
Views: 8758

Re: Do you think this is a bad time to enter the market? With the dow at 18,000

Nobody knows. Really.

You are looking for emotional support for a choice that will be more or less a coin toss.
by Index Fan
Thu Apr 07, 2016 4:00 pm
Forum: Personal Consumer Issues
Topic: I'm Addicted [to investing and personal finance]
Replies: 64
Views: 9394

Re: I'm Addicted

If you're like the typical person here, your addiction will eventually wear off and you'll go back to 'normal'. You may even stop logging on and posting to this forum.
by Index Fan
Tue Apr 05, 2016 9:39 pm
Forum: Investing - Theory, News & General
Topic: Are Bogleheads too conservative?
Replies: 135
Views: 15343

Re: Are Bogleheads too conservative?

I know the details of a few non-Boglehead investors that are friends and family. One is drowning in high fees. Another has seen an actively-managed fund (Janus) lost 1/3 of their money, while the one S&P 500 fund (TRP) they hold has done well. Another lost 90% of his money in the tech bubble cra...
by Index Fan
Sun Mar 27, 2016 7:41 am
Forum: Investing - Theory, News & General
Topic: TIPS Anyone?
Replies: 92
Views: 8090

Re: TIPS Anyone?

Still holding the Vanguard TIPS Fund.
by Index Fan
Sun Mar 13, 2016 10:19 pm
Forum: Investing - Theory, News & General
Topic: Less is more [Vanguard blog - 2% economic growth prediction]
Replies: 41
Views: 5339

Re: Less is more [Vanguard blog - 2% economic growth prediction]

Towards the end of The Birth of Plenty, William J Bernstein discusses the lower growth of mature economies. A great book worth reading.
by Index Fan
Fri Mar 04, 2016 9:38 am
Forum: Investing - Help with Personal Investments
Topic: Do You Give Your Friends Investment Advice?
Replies: 58
Views: 4686

Re: Do You Give Your Friends Investment Advice?

Whenever the topic comes up (pretty rarely), I'll say "I have my investments in Vanguard index funds. They are very low cost and costs matter a lot. I own both stock funds and bond funds so that I can sleep well, and owning broad markets mean I get market returns. Most active investors don't be...
by Index Fan
Thu Mar 03, 2016 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Is An Online Savings Account A No-Brainer?
Replies: 27
Views: 3940

Re: Is An Online Savings Account A No-Brainer?

I have a brick-and-mortar checking account bank (with some extra cash in it just in case) a short drive from my residence, but everything else including my savings account is online. In the many years I've done this I haven't had a problem yet.
by Index Fan
Thu Mar 03, 2016 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Savings Bond Refund gotcha
Replies: 11
Views: 1450

Re: Savings Bond Refund gotcha

Sorry to hear about your troubles. I took part of my refund in paper I-bonds when I filed electronically and received them 13 days later in the mail.
by Index Fan
Wed Mar 02, 2016 10:02 pm
Forum: Investing - Theory, News & General
Topic: Where Are the Customer Yachts ? - two books ?
Replies: 13
Views: 1701

Re: Where Are the Customer Yachts ? - two books ?

This is the best title ever for a book about investing.
by Index Fan
Wed Mar 02, 2016 9:55 pm
Forum: Investing - Theory, News & General
Topic: Gold / Silver - small tactical allocation?
Replies: 44
Views: 3566

Re: Gold / Silver - small tactical allocation?

Having a modest amount of precious metals- particularly in jewelry or 'junk' coins- helped people in Argentina when their economy collapsed in 2001. From someone who lived through it: http://www.amazon.com/Modern-Survival-Manual-Surviving-Economic/dp/9870563457/ref=sr_1_1 Argentina was once one of t...
by Index Fan
Mon Feb 22, 2016 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: Mr Money Mustache Article (New Yorker)
Replies: 94
Views: 13256

Re: Mr Money Mustache Article (New Yorker)

duplicate post- delete
by Index Fan
Mon Feb 22, 2016 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Mr Money Mustache Article (New Yorker)
Replies: 94
Views: 13256

Re: Mr Money Mustache Article (New Yorker)

duplicate post- delete
by Index Fan
Mon Feb 22, 2016 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Mr Money Mustache Article (New Yorker)
Replies: 94
Views: 13256

Re: Mr Money Mustache Article (New Yorker)

Index Fan wrote:
greg24 wrote:I retired at 33. Since then, I have worked full time in IT for "fulfillment".



:mrgreen:




Before MMM came along, living on 24k would have been ridiculed and laughed at on this board. Now people aspire to it. FUnny how times change, but the world is a very different place now.
by Index Fan
Mon Feb 22, 2016 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Mr Money Mustache Article (New Yorker)
Replies: 94
Views: 13256

Re: Mr Money Mustache Article (New Yorker)

duplicate post - delete
by Index Fan
Sat Feb 20, 2016 9:25 am
Forum: Investing - Theory, News & General
Topic: Madoff--Ponzi Scheme
Replies: 37
Views: 4642

Re: Madoff--Ponzi Scheme

And $2.5M doesn't go very far in Manhattan.


Move.
by Index Fan
Sat Feb 20, 2016 8:52 am
Forum: Investing - Theory, News & General
Topic: Madoff--Ponzi Scheme
Replies: 37
Views: 4642

Re: Madoff--Ponzi Scheme

IMHO Madoff didn't think long-term (most criminals don't). He received respect and accolades for his alleged outperforming of the market, which fulfilled some deep-seated emotional need inside him.
by Index Fan
Sat Feb 20, 2016 8:49 am
Forum: Investing - Theory, News & General
Topic: Book Recommendation for New Investor
Replies: 24
Views: 2791

Re: Book Recommendation for New Investor

The Bogleheads' Guide to Investing is pure gold for those who have some basic knowledge about investing.

For very basic books introducing the concept of investing, The Wealthy Barber is solid.
by Index Fan
Sat Feb 20, 2016 8:45 am
Forum: Investing - Theory, News & General
Topic: Active or Passive bond funds through Vanguard?
Replies: 6
Views: 1039

Re: Active or Passive bond funds through Vanguard?

I'd say they add little value versus passive funds. But the low cost aspect is the most important factor in selecting Vanguard bond funds.
by Index Fan
Tue Feb 09, 2016 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Displeased with Fidelity Cash / BNY Mellon- debit card theft
Replies: 53
Views: 6463

Re: Displeased with Fidelity Cash / BNY Mellon- debit card theft

Sorry to hear of the theft. I'd suggest carrying no more than 2 debit/credit cards at any one time in the future so one doesn't temporarily lose access to all of one's 'plastic funds'. Diversify one's holdings by keeping them in different baskets, so to speak.
by Index Fan
Tue Feb 09, 2016 9:57 am
Forum: Investing - Theory, News & General
Topic: "Politics and Investing Don't Mix"
Replies: 23
Views: 2377

Re: "Politics and Investing Don't Mix"

I wonder what investors in the Russian stock market in 1915 thought about politics and investing not mixing? :)
by Index Fan
Mon Feb 08, 2016 11:27 pm
Forum: Investing - Theory, News & General
Topic: Jeremy Siegel : I was too bullish
Replies: 20
Views: 4451

Re: Jeremy Siegel : I was too bullish

Siegel was too bullish? lol

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