Search found 2369 matches

by Index Fan
Fri Feb 17, 2017 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Bogleheads not the norm?
Replies: 116
Views: 9967

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: 635

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: 4448

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: 904

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: 467

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: 1017

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: 1728

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: 4181

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: 606

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: 2213

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: 98
Views: 8677

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: 8836

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: 1980

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: 2682

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: 5650

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: 5245

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: 5245

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: 2180

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: 4021

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: 1049

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: 5802

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.
by Index Fan
Thu Jan 12, 2017 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Where do you keep your emergency fund?
Replies: 80
Views: 6417

Re: Where do you keep your emergency fund?

In both an online savings account and in a conservative asset allocation fund, which also doubles as my 'operating fund' for large unexpected bills such as health-care, new car etc. Neither are counted as investments.
by Index Fan
Thu Jan 12, 2017 6:12 am
Forum: Personal Finance (Not Investing)
Topic: Best Financial Moves You've Made
Replies: 141
Views: 15905

Re: Best Financial Moves You've Made

Working 2 jobs for several years to get out of debt. I started investing right afterwards.

Everything after that was details, such as becoming a Boglehead.
by Index Fan
Sun Jan 08, 2017 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Is a prenup always necessary when remarrying?
Replies: 49
Views: 3806

Re: Is a prenup always necessary when remarrying?

Not necessary, but prudent.
by Index Fan
Sun Jan 08, 2017 12:34 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Short-Term Bond Index Fund Question
Replies: 25
Views: 2072

Re: Vanguard Short-Term Bond Index Fund Question

I used to keep part of my emergency fund in VG STBI in taxable. I'm in a low tax bracket and I had no problem with that.
by Index Fan
Sat Jan 07, 2017 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: What monetary value has your education provided you?
Replies: 107
Views: 5613

Re: What monetary value has your education provided you?

I was a college dropout who went back and finished my BA degree which boosted my income by 75% (promotion to a job requiring a BA). I started a Masters Degree but dropped out when I realized my field was undergoing significant paraprofessionalization. Another person who attained a Masters Degree in ...
by Index Fan
Fri Jan 06, 2017 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: How will the market perform in 2017?
Replies: 45
Views: 3302

Re: How will the market perform in 2017?

Wagnerjb wrote:It will fluctuate


:mrgreen:
by Index Fan
Thu Jan 05, 2017 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Getting rid of Financial Engines
Replies: 42
Views: 3454

Re: Getting rid of Financial Engines

Never, ever, agree to anything a shark (financial business) offers to you. The fine print hides a lot even if it sounds like it is free and with no consequences.
by Index Fan
Thu Jan 05, 2017 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: You have 5-10 minutes to teach someone about personal finance
Replies: 54
Views: 4032

Re: You have 5-10 minutes to teach someone about personal finance

1) Debt is bad- it traps many people into a lifetime of poor financial situations. 2) Live below your means and save money every paycheck. Start this as soon as possible. 3) Buy low-cost no-load index mutual funds. 4) Own a diversity of asset classes, such as Total Stock Market, Total International ...
by Index Fan
Thu Jan 05, 2017 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Investing in a Masters and Ph.D?
Replies: 101
Views: 5215

Re: Investing in a Masters and Ph.D?

Beware of being overqualified for most jobs when you are highly educated.

I've worked with more than one Masters Degree holder who worked as a laborer.
by Index Fan
Thu Jan 05, 2017 12:14 pm
Forum: Investing - Help with Personal Investments
Topic: Pros and cons of having a 3 fund portfolio at Schwab and another at Vanguard?
Replies: 26
Views: 2731

Re: Pros and cons of having a 3 fund portfolio at Schwab and another at Vanguard?

Congratulations on the 3-fund portfolio. I'm a fan of simplicity as well (though I do have a bit of $ in REITs and TIPS). One advantage of such a plan is having your money spread over 2 financial institutions. In my opinion, this is as important as holding a diversity of asset classes in one's portf...
by Index Fan
Tue Jan 03, 2017 4:03 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Target Date funds - asset alloc
Replies: 10
Views: 1115

Re: Vanguard Target Date funds - asset alloc

They've made changes in the past- they used to be 30% international. Then they added international bonds. I assume the future will hold more changes sooner or later.
by Index Fan
Tue Jan 03, 2017 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Another view on Vanguard security
Replies: 20
Views: 2374

Re: Another view on Vanguard security

If someone hacks my account, they cannot get my money. They would have to change the email or associated bank account or address/phone, and if any of that happens, Vanguard sends out an email and snail mail to you that such things are happening. In other words, pay reasonable attention and you will ...
by Index Fan
Tue Jan 03, 2017 11:16 am
Forum: Investing - Theory, News & General
Topic: Why Mix Asset Classes in a Single Fund?
Replies: 20
Views: 1480

Re: Why Mix Asset Classes in a Single Fund?

Putting your investment money in a low-cost asset allocation or target retirement index fund of your choice means never having to rebalance. Not everyone likes fiddling with investments. It is an excellent fund situation to leave to an heir who has no interest in investing. It also aids those who ha...
by Index Fan
Mon Jan 02, 2017 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: I-bonds
Replies: 28
Views: 3418

Re: I-bonds

I've purchased paper I-bonds with tax return money in the past. I've always received the paper I-bonds promptly. At one time I created a Treasury Direct online account but found it extremely user-unfriendly and stopped using it. Other people have found it a pain while others are fine with it. YMMV.
by Index Fan
Sun Jan 01, 2017 6:40 pm
Forum: Investing - Theory, News & General
Topic: 100% TIPS and 0% in Nominal Bonds?
Replies: 168
Views: 8933

Re: 100% TIPS and 0% in Nominal Bonds?

I think it is foolish to put 100% of fixed income in anything other than a broad index like US Total Bond Market, a low cost Investment Grade Intermediate Term Bond Fund, or a Intermediate Term Treasury Fund. TIPS were pretty volatile during the 2008-2009 financial crisis and that surprised me. I w...
by Index Fan
Sat Dec 31, 2016 9:55 am
Forum: Investing - Theory, News & General
Topic: The predictive nature of valuations
Replies: 6
Views: 742

Re: The predictive nature of valuations

Great article, Larry- Happy Holidays and thanks for all of your contributions!
by Index Fan
Sat Dec 31, 2016 9:51 am
Forum: Investing - Theory, News & General
Topic: VG & other firms with security
Replies: 2
Views: 401

Re: VG & other firms with security

Personally, I think the piling on of security features is not necessary. I check my financial accounts weekly. If someone hacked my Vanguard account and changed contact information or added a new account to attempt to withdraw my money, I would be contacted via email and physically via post office a...
by Index Fan
Thu Dec 29, 2016 4:51 pm
Forum: Investing - Theory, News & General
Topic: Bonds return more than stocks in the LT?
Replies: 5
Views: 565

Re: Bonds return more than stocks in the LT?

So much of investing discussion comes down to "X returned Y in Z timeframe." I think it is a mistake to generalize like this. Returns are the result of particular historic events that most likely will never be repeated. I believe it is a fallacy to think that markets are mechanistic instea...
by Index Fan
Wed Dec 28, 2016 8:29 pm
Forum: Investing - Theory, News & General
Topic: How many of you invest 100% at Vanguard?
Replies: 118
Views: 7633

Re: How many of you invest 100% at Vanguard?

Most of my assets are at Vanguard except a 457 plan.

I opened a Fidelity account this year to diversify my financial company holdings, just in case something bizarre happens.

I think diversity of investment companies is a good idea. Just in case.
by Index Fan
Wed Dec 28, 2016 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Help Parents Again?
Replies: 63
Views: 4701

Re: Help Parents Again?

In my humble opinion, you have helped them a great deal- 100k over the last decade. There is no indication that they will ever stop needing your help. You have your own future and the future of your family to plan for. I had a similar situation where a relative got in over their head in a balloon pa...
by Index Fan
Wed Dec 28, 2016 12:39 am
Forum: Investing - Theory, News & General
Topic: frustrating to keep investing in international/EM
Replies: 179
Views: 17745

Re: frustrating to keep investing in international/EM

sid hartha wrote:How do you know if you are diversified? Answer: you always hate something in your portfolio!


This Buddha is wise!
by Index Fan
Tue Dec 27, 2016 11:47 pm
Forum: Investing - Theory, News & General
Topic: 100% TIPS and 0% in Nominal Bonds?
Replies: 168
Views: 8933

Re: 100% TIPS and 0% in Nominal Bonds?

Taylor nailed it.
by Index Fan
Tue Dec 27, 2016 11:46 pm
Forum: Investing - Theory, News & General
Topic: Does Vanguard always have our best interests in mind?
Replies: 55
Views: 4700

Re: Does Vanguard always have our best interests in mind?

Virtually no one outside of your family has your best interests in mind.

Vanguard is one of the least selfish of the investment firms out there. That's good enough for me.
by Index Fan
Tue Dec 27, 2016 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: Help me understand if/why I should buy bonds in this environment
Replies: 21
Views: 2534

Re: Help me understand if/why I should buy bonds in this environment

Since 2009, there have been multiple threads on this board about this subject. Rates can't go any lower, they must go up soon so why buy bonds? And yet the rates kept dropping and dropping. Yeah, rates finally went up and somebody who posted about this subject back in 2009 can finally say "see...
by Index Fan
Tue Dec 13, 2016 4:05 pm
Forum: Investing - Help with Personal Investments
Topic: Telephoning Vanguard
Replies: 77
Views: 5179

Re: Telephoning Vanguard

I'd rather go to the dentist than call any big business on the phone :|

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