Search found 21713 matches

by Taylor Larimore
Wed Feb 22, 2017 8:39 pm
Forum: Investing - Theory, News & General
Topic: Vanguard opens special offices for $1 million clients
Replies: 45
Views: 5962

Re: Vanguard opens special offices for $1 million clients

I don't understand the point of having offices in just three locations to meet certain clients. Malverm, Scottsdale and Charlotte are very far away from the vast majority of Vanguard's customers. HueyLD: Vanguard already has offices in Malvern, Scottsdale and Charlotte. I'm not sure if they are wal...
by Taylor Larimore
Wed Feb 22, 2017 8:03 pm
Forum: Investing - Help with Personal Investments
Topic: What are they trying to sell me here?
Replies: 27
Views: 2658

Re: What are they trying to sell me here?

BL: I am a former insurance consultant (we never called ourselves salesmen). We called doctor's "whales." You are about to be "harpooned." Don't waste your time --and money. Nevertheless, if you think you might be missing a good deal, ask them to send you the policy CONTRACT (not...
by Taylor Larimore
Tue Feb 21, 2017 7:23 pm
Forum: Investing - Theory, News & General
Topic: Interesting study on impact of providing investors feedback
Replies: 37
Views: 1411

"Investors Respond to Feedback"

Bogleheads:

Larry Swedroe has written an interesting article (where does he get the time) for ETF.com. If you are a trader, or thinking about it, Larry's article is for you:

Investors Respond to Feedback

Best wishes.
Taylor
by Taylor Larimore
Tue Feb 21, 2017 7:07 pm
Forum: Personal Consumer Issues
Topic: best type boat for FL Keys - need help from conchs
Replies: 10
Views: 1291

Re: best type boat for FL Keys - need help from conchs

rhalterassoc

There are boats for sale everywhere in the Keys. It would be an advantage to have a reputable dealer nearby to advise you and guarantee his product.

Don't be in a hurry for this important decision.

Best wishes.
Taylor
by Taylor Larimore
Tue Feb 21, 2017 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: Tax-sheltering and target retirement fund disadvantages
Replies: 2
Views: 152

Opening a taxable account

NewbieBogle007: I also "like the all-in-one funds because of the nice allocation set-ups that I don't have to tinker with." However, now that you are considering a taxable account it is very important to start-out using only tax-efficient funds that can be held 'forever' (exchanging later ...
by Taylor Larimore
Tue Feb 21, 2017 11:26 am
Forum: Investing - Theory, News & General
Topic: "Don't Overcomplicate Your Portfolio"
Replies: 0
Views: 551

"Don't Overcomplicate Your Portfolio"

Bogleheads:

Morningstar Director of Personal Finance, Christine Benz, has this short video explaining the importance of Simplicity:

Don't Overcomplicate Your Portfolio

Best wishes.
Taylor
by Taylor Larimore
Tue Feb 21, 2017 11:05 am
Forum: Investing - Theory, News & General
Topic: Merriman buy and hold strategy
Replies: 43
Views: 5205

Re: Merriman buy and hold strategy

http://paulmerriman.com/ultimate-buy-hold-strategy-2016/ Thoughts? How does it compare to what is recommended here? Gemini: Not very good according to MarketWatch : HISTORICAL RETURNS---------------- 1-year --- 3-years --- 5-years --- 10-years Aronson Family Taxable------------20.35% --- 5.68% ----...
by Taylor Larimore
Mon Feb 20, 2017 8:11 pm
Forum: Investing - Help with Personal Investments
Topic: VBILX vs VBTLX [Vanguard Intermediate-Term vs. Total Bond]
Replies: 31
Views: 2432

Re: VBILX vs VBTLX

Struggling to decide which to partner with VTSAX (60) in a 60/40 portfolio with 10-15 year investment period. Which one of the two would you choose and why? Thanks for the advice... Mr. Flish: Bonds are primarily for safety when the total stock market (VTSAX) plunges. In the last 2008 bear market, ...
by Taylor Larimore
Mon Feb 20, 2017 12:11 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1697
Views: 913392

The Three-Fund Portfolio Wins Again

Bogleheads:

The Three-Fund Portfolio (Second Grader Starter) is now the highest returning of eight "Lazy Portfolio" for 1-year, 5-year, and 10-year returns.

http://www.marketwatch.com/lazyportfolio

Past performance does not forecast future performance.

Best wishes
Taylor
by Taylor Larimore
Sun Feb 19, 2017 11:56 pm
Forum: Investing - Help with Personal Investments
Topic: Wow, Vanguard Flagship service is bad. Really bad.
Replies: 141
Views: 18812

QCD

dodecahedron:

Thank you for the reminder.

I do have a relatively small IRA but my contributions are mostly to family and not qualified. I've not bothered with QCDs (perhaps I should).

Taylor
by Taylor Larimore
Sun Feb 19, 2017 11:16 pm
Forum: Investing - Help with Personal Investments
Topic: Wow, Vanguard Flagship service is bad. Really bad.
Replies: 141
Views: 18812

QCD ?

sport wrote:Taylor,
If I may ask, do you make any QCD's? If so, how do you do that without contacting Vanguard?

What is a QCD?

Best wishes.
Taylor
by Taylor Larimore
Sun Feb 19, 2017 11:02 pm
Forum: Investing - Help with Personal Investments
Topic: Wow, Vanguard Flagship service is bad. Really bad.
Replies: 141
Views: 18812

Keep it simple and stay-the-course

Bogleheads:

With my three fund portfolio, and my stay-the-course philosophy, I seldom contact Vanguard. Sorry to learn that some are having problems.

Keep investing simple.

Best wishes.
Taylor
by Taylor Larimore
Sun Feb 19, 2017 10:25 pm
Forum: Investing - Help with Personal Investments
Topic: Paul Merriman Alloc as ETF vs. Vanguard Mutual Fund?
Replies: 7
Views: 423

Re: Paul Merriman's Ultimate Portfolio

MikeT:

You may find this MarketWatch table informative:

http://www.marketwatch.com/lazyportfolio

Best wishes.
Taylor
by Taylor Larimore
Sun Feb 19, 2017 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: Recommended books and resources to fully understand how the world stock market works.
Replies: 33
Views: 2057

Understanding the world stock markets ?

Recommended books and resources to fully understand how the world stock market works. tchasteen: In my opinion, you will never fully understand how the world stock markets work. I have been trying to understand how they work for a very long time. The result: The more I learn about the stock market,...
by Taylor Larimore
Sun Feb 19, 2017 11:09 am
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 10TH BIRTHDAY BOGLEHEADS FORUM
Replies: 62
Views: 2560

HAPPY TWENTY-FIRST BIRTHDAY MR. BOGLE

Mr. Bogle wrote:It’s particularly poignant that your tenth birthday comes just two days before my twenty-first birthday. This is a great week for celebration!


Our friend and mentor, Jack Bogle, received his heart transplant on February 21, 1996.

Best wishes.
Taylor
by Taylor Larimore
Sat Feb 18, 2017 10:37 pm
Forum: Investing - Help with Personal Investments
Topic: New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?
Replies: 55
Views: 2580

"If You Can"

Low cost Vanguard funds are a good choice. You could do a simple 3-fund portfolio (see Wiki or a thread on this topic) such as is suggested in this great little free pdf Booklet: https://www.etf.com/docs/IfYouCan.pdf Total stock market and total international stock market would be very tax-efficien...
by Taylor Larimore
Sat Feb 18, 2017 10:23 pm
Forum: Investing - Help with Personal Investments
Topic: Beginner opening Roth IRA for first time - Double up for 2016/2017 on VSMGX ($11,000)
Replies: 7
Views: 437

Re: Beginner opening Roth IRA for first time - Double up for 2016/2017 on VSMGX ($11,000)

Hello everyone first time poster here after lurking many other threads regarding this Vanguard LifeStrategy Fund. After research and reading up on this forum, I've decided on the VSMGX - Vanguard LifeStrategy Moderate Growth Fund a few days ago. I just had a simple question...was I too eager in put...
by Taylor Larimore
Sat Feb 18, 2017 10:08 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking of Leaving Vanguard Personal Advisory program
Replies: 26
Views: 3404

Re: Thinking of Leaving Vanguard Personal Advisory program

barb1948: Welcome to the Bogleheads Forum! 0.3% (less than 1/3 of 1%) is a relatively small amount to pay for professional service that you want or need. If you have a simple portfolio like The Three-Fund Portfolio (you did not list your securities), I would strongly consider managing it yourself--a...
by Taylor Larimore
Sat Feb 18, 2017 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Money for down payment in one year
Replies: 6
Views: 849

Re: Money for down payment in one year

I have always followed the school of thought that if the money is needed in the next year, hold it in cash or cash equivalents.

spedward:

Your "school of thought" is correct.

Best wishes.
Taylor
by Taylor Larimore
Fri Feb 17, 2017 9:32 pm
Forum: Personal Consumer Issues
Topic: best type boat for FL Keys - need help from conchs
Replies: 10
Views: 1291

Re: best type boat for FL Keys - need help from conchs

I've been boating all my life but the Keys and salt water are new to me. I'll be in northern Keys (Largo to Islamorada) in winter months soon - will have an oceanside slip that allows up to 21ft. Most boats here are 20' or 21' center consoles but those guys really only fish. I will fish a bit but a...
by Taylor Larimore
Wed Feb 15, 2017 6:59 pm
Forum: Investing - Theory, News & General
Topic: Creating Portfolio Using Target Factor Loads
Replies: 5
Views: 355

Re: Creating Portfolio Using Target Factor Loads

Thanks, Taylor. I appreciate your advice. The money that we are saving for a house is in a high-yield savings account and separate from our retirement savings. Stock/bond ratio is 80/20. I don't think 6 funds is overly complicated. bderekb28: You are right. "6 funds" is not overly complic...
by Taylor Larimore
Wed Feb 15, 2017 3:00 pm
Forum: Investing - Theory, News & General
Topic: Creating Portfolio Using Target Factor Loads
Replies: 5
Views: 355

Re: Creating Portfolio Using Target Factor Loads

bderekb28: A few months ago you wrote that you were " saving to buy a house ." This means you should invest very conservatively. Your planned portfolio is very complicated so I am not sure what your stock/bond ratio is? Your stock/bond ratio is much more important than individual funds bec...
by Taylor Larimore
Sun Feb 12, 2017 11:31 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1697
Views: 913392

Fund Placement

Assuming that half my assets are IRA and the other half are non-IRA, that I go for the three fund strategy holding all three in equal amounts, further assuming I'm in the 33% tax bracket, how should I divide them between IRA and non-IRA to obtain the most tax-efficient strategy? waters96: Your fund...
by Taylor Larimore
Sun Feb 12, 2017 3:05 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1697
Views: 913392

Better investment strategies?

I think one of its biggest advantages is that it keeps people from making mistakes, and it's easy to understand. Mr. Bogle agrees: "There may be better investment strategies than owning just three broad-based index funds but the number of strategies that are worse is infinite." Best wishe...
by Taylor Larimore
Sun Feb 12, 2017 2:11 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1697
Views: 913392

Safety of Total Bond Market

Duffydog1: I think your accountant and adviser are unduly concerned about the safety of diversified Vanguard Total Bond Market Index Fund. Its worst annual loss since its 1986 inception was -2.66% in 1994 (it gained +16% in 1995). I am 93 and TBM is my only bond fund. If you don't need the higher ex...
by Taylor Larimore
Sat Feb 11, 2017 7:56 am
Forum: Investing - Theory, News & General
Topic: Vanguard Reaches $4 Trillion for First Time
Replies: 25
Views: 3583

"Vanguard Hits $4 Trillion Milestone" Not a word about Bogle.

[Thread merged into here, see below. --admin LadyGeek] Bogleheads: This morning, before going sailing, I opened the door and picked-up our Wall Street Journal. On the front page was a large green graph showing the amazing growth of "Vanguard Group's assets under management, in trillions of dol...
by Taylor Larimore
Fri Feb 10, 2017 10:53 am
Forum: Investing - Theory, News & General
Topic: Total Bond is safe. Is it prudent?
Replies: 39
Views: 3903

Re: Total Bond Market Index Fund?

Bogleheads:

In his Little Book of Common Sense Investing Mr. Bogle recommends a 2-fund portfolio: Total Stock Market and Total Bond Market. Investors seem to agree. Each is now the largest stock and bond mutual fund in the world.

There is more than one road to Dublin.

Best wishes.
Taylor
by Taylor Larimore
Thu Feb 09, 2017 10:46 pm
Forum: Investing - Help with Personal Investments
Topic: Aspiring Boglehead Seeking Advice
Replies: 13
Views: 531

Re: Aspiring Boglehead Seeking Advice

There is no need to have all three funds in each account. Stock in the Roth, Total Bond Market in the 401k up to the allocation you want, and then fill in the rest of the space with 500 index and possibly mid-cap index or international. Don't worry about investing the HSA until you have at least on...
by Taylor Larimore
Thu Feb 09, 2017 10:40 pm
Forum: Investing - Help with Personal Investments
Topic: Opinion about VGPMX for 2017 [Vanguard Precious Metals and Mining]
Replies: 44
Views: 2046

Re: Opinion about VGPMX for 2017

lepa71 wrote:I'm wondering of people's opinion about VGPMX for 2017 or in general. Is it too late to jump on it?

Thanks

lepa71:

Most specialty stocks like Vanguard Precious Metals (VGPMX) are already in total market index funds without volatility risk and market timing mistakes.

Best wishes.
Taylor
by Taylor Larimore
Thu Feb 09, 2017 10:31 pm
Forum: Investing - Help with Personal Investments
Topic: Aspiring Boglehead Seeking Advice
Replies: 13
Views: 531

Three-Fund Portfolio in three accounts!

Fortunately/unfortunately, my situation is not overly complicated (yet!). All of my thoughts and plans are fair game but would love your input on my planned reallocation and future allocations. Input on Roth vs traditional for my 401k and IRA would also be helpful. Crystal Baller: Welcome to the Bo...
by Taylor Larimore
Thu Feb 09, 2017 8:03 pm
Forum: Investing - Theory, News & General
Topic: NYT Bogle Op-Ed today on fiduciary rule [Putting Clients Second]
Replies: 5
Views: 1299

"Putting Clients Second" by Jack Bogle

Bogleheads:

Mr. Bogle continues his crusade to give ordinary investors a fair shake:

PUTTING CLIENTS SECOND

Thank you, Jack You make us proud!

Taylor
by Taylor Larimore
Thu Feb 09, 2017 4:35 pm
Forum: Investing - Help with Personal Investments
Topic: Recommended books and resources to fully understand how the world stock market works.
Replies: 33
Views: 2057

Re: Recommended books and resources to fully understand how the world stock market works.

Tim: I think of the stock market as a huge auction house where nearly everyone has the same information which sets a value when they want to buy and sell securities (insider information is illegal). The result is a "market" price for each security. This is why investors and mutual fund man...
by Taylor Larimore
Thu Feb 09, 2017 4:18 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 251
Views: 9049

Re: Your USER NAME...what does it mean?

fishandgolf:

My parents taught me to stand behind everything I say. Accordingly, my username is my real name. I have never had a problem.

Best wishes.
Taylor
by Taylor Larimore
Thu Feb 09, 2017 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: Eating an Elephant Need Advice [Portfolio help]
Replies: 11
Views: 2234

Vanguard Personal Advisory Service

blaserf3: Welcome to the Bogleheads Forum! If I were you I would seek the services of Vanguard (non-commission) Personal Advisory Service . The reasons: * Vanguard PAS is very low-cost: 0.3% annually. * You are in a high income-tax bracket. The sale and transfer of taxable securities can trigger cap...
by Taylor Larimore
Wed Feb 08, 2017 11:45 pm
Forum: Investing - Help with Personal Investments
Topic: Late start but learning, next step?
Replies: 10
Views: 1307

A suggested portfolio

Badgolfer: Finish reading your Bogleheads' Guide to Investing and you may decide on a portfolio similar to this: 401k 64% Blackrock S&P 500 Index 16% Blackrock International Equity IRA 20% Vanguard Total Bond Market Comment: Simple* to understand and maintain, low-cost, tax-efficient, very diver...
by Taylor Larimore
Wed Feb 08, 2017 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: Late start but learning, next step?
Replies: 10
Views: 1307

Re: Late start but learning, next step?

Badgolfer: Thank you for the additional information. These thoughts may be helpful: * I am glad you do not have unneeded life insurance or annuities. These are mistakes often made by young singles (I once sold life insurance and annuities). Use the saved premiums for investing--preferably low-cost t...
by Taylor Larimore
Wed Feb 08, 2017 5:12 pm
Forum: Investing - Help with Personal Investments
Topic: Two-Fund Portfolio Role Call
Replies: 43
Views: 4408

Re: Two-Fund Portfolio Role Call

I am just curios to hear if any of you are doing a simple (John Bogle-ish) portfolio of U.S. Stocks and Bonds. What is your asset allocation and what two funds do you use across your varies accounts? rattlenap: Jack likes 2 funds; I have 3 funds so I'm not qualified to reply. We agree on Simplicity...
by Taylor Larimore
Wed Feb 08, 2017 5:04 pm
Forum: Investing - Theory, News & General
Topic: Historical Portfolio Returns Calculator
Replies: 7
Views: 501

Re: Historical Portfolio Returns Calculator

I need to find a retirement AA to lock in on, and if these help me to set it and forget it, it will be helpful. Scorpion: I am pleased to see that you realize the importance of Asset-Allocation. Except for regular savings, I consider it our most important investment decision because it determines o...
by Taylor Larimore
Wed Feb 08, 2017 3:41 pm
Forum: Investing - Theory, News & General
Topic: Historical Portfolio Returns Calculator
Replies: 7
Views: 501

Re: Historical Portfolio Returns Calculator

Is there a tool on the web somewhere that would let me put in a hypothetical asset allocation across the 9 style boxes plus bonds and it would produce the historical return of that AA over a specified time period? I am sure there must be such a calculator, but I have never stumbled across it. Thoug...
by Taylor Larimore
Wed Feb 08, 2017 3:30 pm
Forum: Investing - Theory, News & General
Topic: Rand Paul predicts bubble / boom in stock market
Replies: 16
Views: 1541

Re: Rand Paul predicts bubble / boom in stock market

Start watching at 4:25. Your thoughts? https://youtu.be/ULHe_1aFK9E?t=4m25s Does someone with 1 million+ in the market stay the course? Mark: I started watching at 4:25 where Senator Paul predicts a bubble/boom in the stock market. Senator Paul was a physician. He is a persuasive speaker but has li...
by Taylor Larimore
Wed Feb 08, 2017 3:14 pm
Forum: Personal Consumer Issues
Topic: Sinking funds - where to hold?
Replies: 18
Views: 1674

Re: Sinking funds - where to hold?

JimmyD:

Thank you for your reply.

Best wishes.
Taylor
by Taylor Larimore
Wed Feb 08, 2017 11:27 am
Forum: Investing - Theory, News & General
Topic: Multifactor Funds Use
Replies: 13
Views: 837

Factors

XBTC wrote:Opinions

Here's mine:

Factor Investing

Best wishes.
Taylor
by Taylor Larimore
Wed Feb 08, 2017 10:24 am
Forum: Investing - Help with Personal Investments
Topic: Wow, Vanguard Flagship service is bad. Really bad.
Replies: 141
Views: 18812

Consumer Reports: "Vanguard Does it Best"

Bogleheads: With millions of customers, any company will make mistakes and fall-short of 100% good service. This forum is a logical place to vent anger and disappointment. The September 2016 issue of Consumer Reports did a survey of more than 150,000 investment company readers asking about: Investme...
by Taylor Larimore
Wed Feb 08, 2017 10:11 am
Forum: Investing - Help with Personal Investments
Topic: Looking to open a taxable account
Replies: 3
Views: 515

Re: Looking to open a taxable account

jbuenoo:

slayed has given you good advice.

It is often preferable to pay-off debt instead of investing in a taxable account. It depends on:

1. Your tax-bracket (high = pay-off debt).

2. If debt is deductible (not deductible = pay-off debt).

Best wishes.
Taylor
by Taylor Larimore
Tue Feb 07, 2017 11:50 pm
Forum: Investing - Theory, News & General
Topic: Is a total market fund the most diversified
Replies: 157
Views: 13260

Re: Is a total market fund the most diversified

Just imagine what Gus and Larry could talk about.

GOR:

How many of us could understand what they're saying? :confused

Best wishes
Taylor
by Taylor Larimore
Tue Feb 07, 2017 8:13 pm
Forum: Investing - Theory, News & General
Topic: Bogle Center Web Site Has a New Look
Replies: 3
Views: 677

Re: Bogle Center Web Site Has a New Look

Mel: The new website is a nice improvement. I would like to express my thanks to those who designed the new website; the thousands of Boglehead contributors on the forum, and the selfless volunteers who work behind the scene to serve in Jack Bogle's crusade "to give ordinary investors a fair sh...
by Taylor Larimore
Tue Feb 07, 2017 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: Late start but learning, next step?
Replies: 10
Views: 1307

Re: Late start but learning, next step?

Badgolfer: Thank you for the additional information. Do you have a target fund in your 401k? Are you taking the maximum "match" in your 401k? Use this Vanguard Questionnaire and tell us your desired stock/bond allocation: https://personal.vanguard.com/us/FundsInvQuestionnaire?cbdInitTransU...
by Taylor Larimore
Tue Feb 07, 2017 4:19 pm
Forum: Personal Consumer Issues
Topic: Sinking funds - where to hold?
Replies: 18
Views: 1674

Re: Sinking funds - where to hold?

JimmyD wrote: I'm still in the accumulation phase and prefer to keep these sinking funds independent of my portfolio.


Why?

Thank you and best wishes.
Taylor
by Taylor Larimore
Tue Feb 07, 2017 3:25 pm
Forum: Investing - Theory, News & General
Topic: How steep should the glide path be?
Replies: 54
Views: 4002

Company "glide-paths" ?

FlyingMoose: A target fund's "glide path" based on age is better than nothing but it falls short of being ideal. Our stock/bond allocation should be based on 1) our goals, 2) our time-frame, 3) our risk-tolerance and 4) our personal financial situation--not just age. I'll use myself as an ...

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