Search found 20102 matches

by Taylor Larimore
Mon May 30, 2016 8:23 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Strategy
Replies: 8
Views: 744

Re: Asset Allocation Strategy

I am 40 years old and currently I am 75/25 stock/bond ratio. I follow age-15 in bonds. So next year when I re balance it will be 74/26 ratio. Is this a common method? What other methods do you use when changing your ratio? I will change it yearly with a 5% band. lostdog: I suggest that changing you...
by Taylor Larimore
Mon May 30, 2016 6:17 pm
Forum: Investing - Theory, News & General
Topic: What is the difference between disciplined rebalancing and making a market timing bet?
Replies: 25
Views: 1068

Re: What is the difference between disciplined rebalancing and making a market timing bet?

Both involve a strategy designed to sell a specific asset class based on its rise or fall relative to other investments. Rebalancing just has an odd psychological aspect to it...like a deal you made with yourself to stick to you principles, or the like. No? Ron: As I see it: " Market-timing &q...
by Taylor Larimore
Mon May 30, 2016 3:43 pm
Forum: Personal Consumer Issues
Topic: buying art?
Replies: 17
Views: 991

Re: buying art?

gips:

My mother was a successful artist whose portrait of President Kennedy hung in the lobby of the Miami Federal Building. My wife was president of Beau Arts in Miami.

I have learned that the "art" business is mostly marketing.

Beware and best wishes.
Taylor
by Taylor Larimore
Mon May 30, 2016 3:23 pm
Forum: Investing - Theory, News & General
Topic: Books on Options
Replies: 57
Views: 2073

Re: Books on Options: "Making the Most of Your Money"

Any good recommendations when it comes to learning about options and option strategy? Looking for something that's a little less dry than your average textbook. Jane Bryant Quinn's " Making the Most of Your Money " is one of the best books ever written about personal finance. She writes a...
by Taylor Larimore
Mon May 30, 2016 3:00 pm
Forum: Investing - Theory, News & General
Topic: Classic Bernstein 3 — Diversifying Portfolio Equities
Replies: 15
Views: 2478

Dr. Bernstein's Three-Fund Portfolio

PREFACE: This is the third in a series of posts highlighting the classic investing insights of William Bernstein from the 1990s and early 2000s. simplegift: This is Dr. Bernstein's advice in his most recent book: " If You Can " (page 1): Would you believe me if I told you that there's an ...
by Taylor Larimore
Mon May 30, 2016 11:35 am
Forum: Investing - Help with Personal Investments
Topic: Question on 401k vanguard funds
Replies: 5
Views: 306

"Asking Portfolio Questions"

Dottie57:

Welcome to the Bogleheads Forum!

In order to give you informed advice, we need additional information (use the "edit" button at the top of your post).

ASKING PORTFOLIO QUESTIONS

Thank you and best wishes
Taylor
by Taylor Larimore
Mon May 30, 2016 11:03 am
Forum: Investing - Help with Personal Investments
Topic: Is it worth the additional Expense to try to replicate Total International?
Replies: 20
Views: 1198

"Don't look for the needle in the haystack. Just buy the haystack" -- Jack Bogle

I think this Periodic Table is over my head. I am going to have to take some time to digest that. sco: That's largely the point of the Periodic Table. It shows how useless it is to try and pick winning fund categories in advance. "Don't look for the needle in the haystack. Just buy the haystac...
by Taylor Larimore
Mon May 30, 2016 10:36 am
Forum: Local Chapters and Bogleheads Community
Topic: Thank you to all of our Veterans
Replies: 14
Views: 844

Memorial Day

Swampy:

Memorial Day is the day we honor the men and women who died while serving in the U.S. military. It is their ultimate sacrifice for us.

Thank you for remembering.

Best wishes.
Taylor
by Taylor Larimore
Sun May 29, 2016 10:12 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to Retire; Where to put my money?
Replies: 4
Views: 1049

The Three Fund Portfolio

Clyde: Welcome to the Bogleheads Forum! I believe you made a good decision to use Vanguard's personal advisory service which is free of conflict-of-interest. If you are unsure of their advice, you can post their recommendations here for comments. Vanguard usually recommends a portfolio similar to Th...
by Taylor Larimore
Sun May 29, 2016 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone routinely analyze real estate comps?
Replies: 13
Views: 1549

Zillow

Jonny:

You may find a Zillow estimate helpful. This is the link:

http://www.zillow.com/find-your-home/

Best wishes.
Taylor
by Taylor Larimore
Sun May 29, 2016 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: Is Maryland state pension a good idea for me?
Replies: 5
Views: 557

Re: Is Maryland state pension a good idea for me?

Marylander:

After reading the company brochure describing your plans and options, it seems logical to ask your University H.R. adviser to explain to you what you don't understand.

Avoid verbal explanations. Use e-mail or write a letter numbering each item you want answered.

Best wishes.
Taylor
by Taylor Larimore
Sun May 29, 2016 4:53 pm
Forum: Investing - Theory, News & General
Topic: How much do costs matter?
Replies: 24
Views: 1532

"Road Map for Investing Success"

Absolutely, but chances of mistakes diminish when knowledge is increased and portfolio complexity is minimized. My point was behavioral mistakes can swamp low expenses when it comes to return efficiency. Paul: Thank you for another "Gem." For those who don't know, Paul wrote a wonderful, ...
by Taylor Larimore
Sun May 29, 2016 1:23 pm
Forum: Investing - Theory, News & General
Topic: How much do costs matter?
Replies: 24
Views: 1532

Re: How much do costs matter?

How much do costs matter? qwertyjazz: The matter a LOT. This is what experts say: American Association of Individual Investors: "Funds with loads, on average consistently underperform no load funds when the load is taken into consideration." Frank Armstrong, author of The Informed Investo...
by Taylor Larimore
Sun May 29, 2016 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: Reading advice
Replies: 26
Views: 1253

Lazy Portfolios

"First Time Investor" by Paul Merriman. Mr. Merriman slices and dices more than many here feel is proper, but he covers the basics very well. You can download from his web site, paulmerriman.com Bogleheads: More funds do not equate to higher returns. Mr. Merriman's "Ultimate" 11...
by Taylor Larimore
Sun May 29, 2016 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Core Bond Fund
Replies: 16
Views: 1802

History of Total Bond Market Index Fund

Poppa23: Below are U.S. inflation figures, and Vanguard Total Bond Market returns, since Mr. Bogle introduced TBM in 1986: YEAR..INFLATION....RETURN 1986-------1.1%--------15.2% 1987-------4.4-----------2.8 1988-------4.4-----------7.9 1989-------4.6----------14.5 1990-------6.1-----------8.9 (Infla...
by Taylor Larimore
Sun May 29, 2016 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: Reading advice
Replies: 26
Views: 1253

"Investment Gems"

holly54:

I have read hundreds of investment books. I extracted valuable quotes from many of the best book for you to read. I call them "Investment Gems":

https://www.bogleheads.org/wiki/Taylor_ ... tment_Gems

Best wishes.
Taylor
by Taylor Larimore
Sun May 29, 2016 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Core Bond Fund
Replies: 16
Views: 1802

Re: Vanguard Core Bond Fund vs. Total Bond Market

So I see Vanguard Core Bond is new...Im looking for a bond fund to put into my tax advantage space. I see one difference between Total Bond and Core Bond that being the amount of Bonds and hence diversification and Total Bond a bit better yield..any other differences im missing. Is the point of Cor...
by Taylor Larimore
Sun May 29, 2016 10:24 am
Forum: Investing - Help with Personal Investments
Topic: Thinking of removing funds from target retirement funds and investing by myself
Replies: 21
Views: 2020

The enemy of a good plan

I have a new 401k fund with around 1.6k in a vanguard target retirement 2050 fund. I am thinking of moving into more of a active management of my funds using index investing. alphna423df: In my opinion, you are very unlikely to design a portfolio better than Vanguard experts, plus the fact you will...
by Taylor Larimore
Sun May 29, 2016 9:25 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1472
Views: 756890

Total Bond Market in Rising Inflation

Duration of this bond fund is 5.8 I believe. Therefore every 1% rise in interest rates drops the NAV of this bond fund by 5.8%. 2% rise, then 11.6% drop, etc. Could take some years to break even. windwalker: Below are U.S. inflation figures, and Vanguard Total Bond Market returns, since Mr. Bogle i...
by Taylor Larimore
Sat May 28, 2016 9:41 pm
Forum: Local Chapters and Bogleheads Community
Topic: MEMORIAL DAY, 2014 [and 2016]
Replies: 26
Views: 3349

A Memorial Day Video

Bogleheads:

A friend sent me this Memorial Day video:

A Soldier Died Today

Best wishes
Taylor
by Taylor Larimore
Sat May 28, 2016 2:48 pm
Forum: Local Chapters and Bogleheads Community
Topic: MEMORIAL DAY, 2014 [and 2016]
Replies: 26
Views: 3349

Re: MEMORIAL DAY, 2014 & 2016

Mickeyd: I started this thread on Memorial Day in 2014. I think I know why you are the first to Reply in 2016. You gave it away when you adopted the "Combat Infantryman Badge" as your avatar. For those who don't know, this badge of honor is only awarded to front-line combat infantry soldie...
by Taylor Larimore
Sat May 28, 2016 2:24 pm
Forum: Investing - Theory, News & General
Topic: I can't believe I am thinking this
Replies: 171
Views: 39100

How to behave in market turbulence

If there was one thing to tell a younger man about how to behave through those periods of market turbulence - what would that one thing be? If Taylor Larimore sees this....I hope he answers this last question. What is 'the one thing'? JCE66: I agree with our mentor, Jack Bogle, who wrote in Common ...
by Taylor Larimore
Sat May 28, 2016 7:24 am
Forum: Investing - Help with Personal Investments
Topic: Roll call Warren Buffet 90/10 portfolio
Replies: 51
Views: 4441

What a bear market is like

Rule #1 for retirees: "Don't risk losing what you may need." Best wishes. Taylor I wholeheartedly agree. Every time I think I want to get more aggressive with my portfolio, I replay the story you shared with us about your Grandfather. Would you mind posting that in this thread, I can't se...
by Taylor Larimore
Fri May 27, 2016 9:51 pm
Forum: Investing - Help with Personal Investments
Topic: Roll call Warren Buffet 90/10 portfolio
Replies: 51
Views: 4441

Re: With increasing age: Increase or decrease stocks?

Since I retired 8 months ago I am 50/50. I plan to slowly increase my allocation back into stocks over the next 3-4 years. Blueskies123: Why would you increase your allocation to stocks? Most retirees, and most target funds (including Vanguard) decrease their stock allocation as we grow older. Than...
by Taylor Larimore
Fri May 27, 2016 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: My former attorney has become an Edward Jones rep
Replies: 45
Views: 3829

Re: My former attorney has become an Edward Jones rep

arizonaslim:

Congratulations! You made a very wise decision. However, based on many of the posts on this forum, I suspect you will soon receive another attempt to get your money.

Plan a polite "decline" now.

Best wishes.
Taylor
by Taylor Larimore
Fri May 27, 2016 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: If TSM and SP500 are so alike, why even do TSM?
Replies: 49
Views: 4617

Re: If TSM and SP500 are so alike, why even do TSM?

heybro wrote:I keep hearing that TSM and SP500 are so much alike, either is fine. In that case, why not just stick with SP500 and nothing else?

heybro:

Mr. Bogle started both funds. He prefers the Total Stock Market Index Fund.

Best wishes
Taylor
by Taylor Larimore
Fri May 27, 2016 3:02 pm
Forum: Investing - Help with Personal Investments
Topic: Roll call Warren Buffet 90/10 portfolio
Replies: 51
Views: 4441

With increasing age: Increase or decrease stocks?

Since I retired 8 months ago I am 50/50. I plan to slowly increase my allocation back into stocks over the next 3-4 years. Blueskies123: Why would you increase your allocation to stocks? Most retirees, and most target funds (including Vanguard) decrease their stock allocation as we grow older. Than...
by Taylor Larimore
Thu May 26, 2016 9:43 pm
Forum: Investing - Theory, News & General
Topic: What is evidence based investing?
Replies: 27
Views: 1852

"Predicting the Past"

qwertyjazz: Your post about Evidence Based Investing reminds me of this post made long ago by a very wise Boglehead with the username of "Ozark": --------------------------------------PREDICTING THE PAST-------------------------------- If you feel you can improve your portfolio's asset all...
by Taylor Larimore
Thu May 26, 2016 9:35 pm
Forum: Investing - Help with Personal Investments
Topic: US REIT P/E seem high - buy anyway for diversification?
Replies: 39
Views: 2125

Diversification

Bogleheads: Adding more funds to a broad market index portfolio adds cost and complexity. These experts explain: Jack Bogle: Diversification is the last refugee of the scoundrel. -- Stop looking for the needle. Buy the haystack. Laura Dogu, Ambassador to Nicaragua and co-author of "The Boglehea...
by Taylor Larimore
Thu May 26, 2016 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Buying home next door without agent
Replies: 15
Views: 1506

Re: Buying home next door without agent

chx:

Thank you for your excellent and convincing reply!

Best wishes.
Taylor
by Taylor Larimore
Thu May 26, 2016 6:31 pm
Forum: Personal Consumer Issues
Topic: Other Than Finances [Fun things to do]
Replies: 34
Views: 2150

Re: Other Than Finances

TheBestOrNothing wrote:What are typical things BH'ers do for fun on weekends and/or after work? I am always looking for new and exciting things to do. Thanks.

TheBestOrNothing:

I enjoy sailboat racing. This was last Saturday:

https://www.youtube.com/watch?v=vLlZXSKzLG4

Best wishes
Taylor
by Taylor Larimore
Thu May 26, 2016 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Buying home next door without agent
Replies: 15
Views: 1506

Re: Buying home next door without agent

Usually, if there is one agent involved, the one agent gets the whole 6% (typical) commission. That has not been my experience , although it is a nice myth that agents would like to propagate. chx: What has been your experience about the commission when only one agent is involved? How much experien...
by Taylor Larimore
Thu May 26, 2016 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: US REIT P/E seem high - buy anyway for diversification?
Replies: 39
Views: 2125

Reit diversification ?

I would expect them (reits) to continue to show some diversification benefit over the general stock market. Despite the limited sample size, back-testing appears to support this idea. noa: In the 2008-2009 bear market Vanguard Total Stock Market Index Fund fell -50.9%. Meanwhile, Vanguard REIT Fund...
by Taylor Larimore
Thu May 26, 2016 9:48 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1472
Views: 756890

Re: The Three-Fund Portfolio

Windwalker: Welcome to the Bogleheads forum! Vanguard's Total Bond Market Index Fund's worst annual loss since its 1986 inception was -2.66% in 1994. It is now the largest bond fund in the world and provides safety and income in The Three-Fund Portfolio. There are many securities that provide safety...
by Taylor Larimore
Thu May 26, 2016 8:41 am
Forum: Investing - Help with Personal Investments
Topic: Another thread about leaving Edward Jones (thank you Bogleheads)
Replies: 3
Views: 589

Re: Another thread about leaving Edward Jones (thank you Bogleheads)

I just would like to thank this community for being open about sharing their experiences with Edward Jones, and for posting numerous links to articles and threads exposing their treachery. I made the switch to Vanguard this past Monday after a decade at EJ (age 25-35), and after months of researchi...
by Taylor Larimore
Thu May 26, 2016 8:25 am
Forum: Investing - Help with Personal Investments
Topic: Roll call Warren Buffet 90/10 portfolio
Replies: 51
Views: 4441

The Three-Fund Portfolio

Question for Taylor..... Would you be willing to share your asset allocation at this point in your investing life? Thank you dbp7777: I am reluctant to share my asset allocation for two primary reasons: 1. Each of us should have our asset allocation based on our own goals, our own risk-tolerance, o...
by Taylor Larimore
Thu May 26, 2016 7:37 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio [Help with investment options]
Replies: 6
Views: 935

Answer to questions

CDK425: I prefer the simpler Three-Fund Portfolio although both portfolios should be very good (simple, low-cost, indexed, diversified, tax-efficient). Mr. Bogle has said he would not invest in international bonds although Vanguard disagrees. When experts disagree it often doesn't matter. Be sure to...
by Taylor Larimore
Wed May 25, 2016 10:05 pm
Forum: Investing - Help with Personal Investments
Topic: Roll call Warren Buffet 90/10 portfolio
Replies: 51
Views: 4441

Warren Buffet 90/10 portfolio not for most of us

Rattlenap: Welcome to the Bogleheads Forum! Just curious if any of you are doing the Warren Buffet 90/10 S&P 500 & Short-term Government Bond portfolio or at least something equivalent. For myself, I do the Vanguard 500 for the stock section, but for the other part I just do High Yield Savin...
by Taylor Larimore
Wed May 25, 2016 9:41 pm
Forum: Personal Consumer Issues
Topic: Advice w/ 62YO Mom Moving In - Rent? Resentment? Plans?
Replies: 95
Views: 7879

Why not a rental apartment ?

Onion: This is a very interesting (and helpful) thread. Your mother is very fortunate to have a son and daughter-in-law so willing to bring her into their life. Unless there were no other way, I would never impose on my children and spouse by moving in with them --especially at the relatively young ...
by Taylor Larimore
Wed May 25, 2016 8:31 pm
Forum: Investing - Help with Personal Investments
Topic: Need Moral Support for FA Breakup!
Replies: 68
Views: 4739

Free at last!

Nearly A Moose: Like many of us on this forum, you have seen the light and cut the bond with your self-serving advisor. Fortunately, advisors are not all like yours. Your next step is to contact Vanguard and tell them you would like to move your account to them (assuming that's what you want to do)....
by Taylor Larimore
Wed May 25, 2016 2:38 pm
Forum: Investing - Theory, News & General
Topic: Is Nationwide on my side ?
Replies: 2
Views: 448

Re: Is Nationwide on my side ?

happysteward: I visited Morningstar to look at GBIAX statistics. Its intermediate-term bond portfolio is diversified, high-quality, and low-cost--the most important characteristics of a bond fund for safety in a portfolio. The fact that Morningstar analysts have not "analyzed" a fund is se...
by Taylor Larimore
Wed May 25, 2016 2:14 pm
Forum: Investing - Theory, News & General
Topic: This Bull Seems to be Getting Pretty Long In the Tooth
Replies: 76
Views: 6631

Volatility?

So, you are ignoring the more than 20% drops in US small-cap value, the 35% drop in large-cap emerging markets, the 24% drop in large-cap foreign developed markets, and a few other things that hit low points earlier in 2016? Bogleheads: One of the advantages of total market index funds is that they...
by Taylor Larimore
Wed May 25, 2016 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 151
Views: 11149

"reassuring words"

Taylor, I need to thank you as well for your reassuring words.

Johnny:

I appreciate your reply.

Best wishes.
Taylor
by Taylor Larimore
Wed May 25, 2016 10:34 am
Forum: Investing - Help with Personal Investments
Topic: Adding a tilt--which international fund to use?
Replies: 65
Views: 3666

"The Best Diversifier has Been the Simplest"

"I can take on more risk and increase my return over that of the broad market by tilting towards riskier asset classes" In my opinion, the most "efficient" way to increase expected return (with more risk) is to increase our stock allocation. The Best Diversifier Has Been the Sim...
by Taylor Larimore
Wed May 25, 2016 10:22 am
Forum: Investing - Theory, News & General
Topic: This Bull Seems to be Getting Pretty Long In the Tooth
Replies: 76
Views: 6631

Ged

Ged:

You are confusing us with facts. :happy

Thank you and best wishes.
Taylor
by Taylor Larimore
Wed May 25, 2016 10:17 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 151
Views: 11149

Keep it simple and stay the course

I moved all my accounts from Fidelity to Vanguard a few months ago. After reading this thread I wonder if I made a mistake? lostdog: Moving to Vanguard from Merrill Lynch in 1986 was the best investment decision we ever made. If you have a simple portfolio and stay-the-course, most of the complaint...
by Taylor Larimore
Wed May 25, 2016 10:06 am
Forum: Investing - Theory, News & General
Topic: This Bull Seems to be Getting Pretty Long In the Tooth
Replies: 76
Views: 6631

The market is DOWN the last 12 months

Seems as though the S&P 500 has had a huge, nearly continuous, rise since 2008-9. Anyone getting weary? Anyone pondering taking some risk off the table and cooling off the AA? Anyone struggling with whether to pay a capital gains tax? Dave Dave: The S&P Index (not counting dividends) is dow...
by Taylor Larimore
Wed May 25, 2016 9:35 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1472
Views: 756890

Getting Started

Hello Taylor, I have been studying this thread as i have recently come to take an interest in investing. I was discuss this with some co-workers and i have a question that maybe you can answer: Would you say using ETF's is way easier for the lay investor because you don't need as much up front doug...
by Taylor Larimore
Wed May 25, 2016 7:02 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Annual Summary?
Replies: 7
Views: 589

Re: Vanguard Annual Summary?

I've looked around my Vanguard account, but can't find anything like this. Does Vanguard provide you with some sort of personal annual summary at the end of each year? For example, it might list the funds you own, gains/losses, total portfolio, etc. This may not exist, but thanks in advance if you ...
by Taylor Larimore
Wed May 25, 2016 6:49 am
Forum: Investing - Theory, News & General
Topic: irreverent??? [Bogleheads' Guide to Investing]
Replies: 19
Views: 2329

Re: irreverent???

goingup wrote:Ha! I wonder what Taylor thinks about that description.

goingup:

I never liked having our book described "Irreverent." Nevertheless, I'm proud we enjoy a 5-Star rating at Amazon.

Best wishes.
Taylor

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