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by abuss368
Sun Aug 21, 2016 4:02 pm
Forum: Investing - Theory, News & General
Topic: Got a Question for Jack Bogle? Post it Here.
Replies: 86
Views: 9926

Re: Got a Question for Jack Bogle? Post it Here.

Are the questions available to read from prior conferences?
by abuss368
Sat Aug 20, 2016 11:12 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1837
Views: 419959

Re: What Movie Have You Recently Watched?

"I Give It A Year" on Netflix. We enjoyed it.
by abuss368
Fri Aug 19, 2016 5:37 pm
Forum: Investing - Theory, News & General
Topic: Dividends, and the curse of popularity
Replies: 91
Views: 6135

Re: Dividends, and the curse of popularity

I understand the mechanics and the math in this never ending debate. Still it is psychological for us in terms of getting "paid" and seeing the dividend payments! If dividends were not important, the great capital allocator himself, Warren Buffett would not invest BILLIONS in dividend pay...
by abuss368
Fri Aug 19, 2016 4:57 pm
Forum: Investing - Theory, News & General
Topic: Bonds in Taxable
Replies: 146
Views: 7943

Re: Bonds in Taxable

The point I threw on the table (and in another thread) and that is the risk of a single bond market (i.e. tax exempt bonds) in taxable accounts compared to Total Bond (and many different bond markets) in a taxable account.
by abuss368
Fri Aug 19, 2016 4:56 pm
Forum: Investing - Theory, News & General
Topic: Dividends, and the curse of popularity
Replies: 91
Views: 6135

Re: Dividends, and the curse of popularity

I understand the mechanics and the math in this never ending debate. Still it is psychological for us in terms of getting "paid" and seeing the dividend payments! If dividends were not important, the great capital allocator himself, Warren Buffett would not invest BILLIONS in dividend payi...
by abuss368
Fri Aug 19, 2016 4:54 pm
Forum: Investing - Theory, News & General
Topic: Dividends, and the curse of popularity
Replies: 91
Views: 6135

Re: Dividends, and the curse of popularity

Yep ,hindsight is 20/20. Regarding my purchase of Mcdonalds in 1990, my analysis went something like this.... "The cars are always lined up at the drive thru windows" "There is a Mcdonalds on every corner" "The cash register is ringing somewhere in the world,while I am slee...
by abuss368
Fri Aug 19, 2016 2:33 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review ?
Replies: 23
Views: 2002

Re: Portfolio Review ?

Bogleheads: I have a friend who asked me to review his 4-fund portfolio: 50% Stocks: 25% Vanguard Total Stock Market (VTSSX) 25% Vanguard Global Minimal Volatility Fund (VMVFX)' 50% Bonds: 25% Vanguard Total Bond Market Index Fund VBMFX 25% Short Term Investment Grade Fund (VFSUX) Assuming his stoc...
by abuss368
Fri Aug 19, 2016 2:27 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffett recommends putting 90% in S&P500 index fund, 10% in Bond index
Replies: 36
Views: 4301

Re: Warren Buffett recommends putting 90% in S&P500 index fund, 10% in Bond index

Warren Buffett recommends putting 90% in S&P500 index fund, 10% in Bond index FOR HIS WIDOW WHO WILL HAVE $664 MILLION DOLLARS. I agree with Buffett's advice for his widow. If you have a thousand multiples of your Omaha retirement expenses, you are in your seventies, and you can live on only th...
by abuss368
Fri Aug 19, 2016 2:25 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffett recommends putting 90% in S&P500 index fund, 10% in Bond index
Replies: 36
Views: 4301

Re: Warren Buffett recommends putting 90% in S&P500 index fund, 10% in Bond index

If you want to do the Warren Buffett Portfolio, IBonds will be a much better choice in the longterm for the average investor than Short-term Government Bonds. Also, putting more than 10% of your portfolio into IBonds is being be far more prudent. I think 30% in IBonds is more like it. I disagree. O...
by abuss368
Fri Aug 19, 2016 11:36 am
Forum: Investing - Help with Personal Investments
Topic: The Three-Fund Portfolio [Minimizing tax impacts]
Replies: 8
Views: 905

Re: The Three-Fund Portfolio [Minimizing tax impacts]

We are splitting hairs. One strategy is "equal location" which places the same funds (for the most part) in all accounts. Another strategy is "asset location" which is the placement of a fund in only one account or so. There are advantages and disadvantages to both approaches. N...
by abuss368
Thu Aug 18, 2016 11:27 pm
Forum: Personal Consumer Issues
Topic: Are you on Facebook?
Replies: 144
Views: 7785

Re: Are you on Facebook?

Yes but I do not use much and never post.
by abuss368
Thu Aug 18, 2016 10:43 pm
Forum: Investing - Theory, News & General
Topic: Shark Tank's Kevin O'Leary creates ETF
Replies: 17
Views: 3423

Re: Shark Tank's Kevin O'Leary creates ETF

Interesting and thank you for sharing.
by abuss368
Thu Aug 18, 2016 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: How do you handle ATM access with checking accounts?
Replies: 21
Views: 1028

Re: How do you handle ATM access with checking accounts?

We never use a debit card. We almost never go to the ATM either. Everything is paid with a credit card and then paid off.
by abuss368
Thu Aug 18, 2016 10:39 pm
Forum: Investing - Theory, News & General
Topic: Dividends, and the curse of popularity
Replies: 91
Views: 6135

Re: Dividends, and the curse of popularity

I like our dividends! Some Jack said about opening your mailbox and receiving your dividend check sounds so neat!
by abuss368
Thu Aug 18, 2016 10:08 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffett recommends putting 90% in S&P500 index fund, 10% in Bond index
Replies: 36
Views: 4301

Re: Warren Buffett recommends putting 90% in S&P500 index fund, 10% in Bond index

Jack Bogle has always said "Simplicity is the master key to financial success".

Best.
by abuss368
Thu Aug 18, 2016 10:07 pm
Forum: Forum Issues and Administration
Topic: Improving the Bogleheads forum
Replies: 86
Views: 5842

Re: Improving the Bogleheads forum

Hard to think of anything!
by abuss368
Thu Aug 18, 2016 10:06 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1837
Views: 419959

Re: What Movie Have You Recently Watched?

Almost done with Season 4 of "House of Cards" on Netflix. Really good.
by abuss368
Thu Aug 18, 2016 10:04 pm
Forum: Investing - Theory, News & General
Topic: Bonds in Taxable
Replies: 146
Views: 7943

Re: Bonds in Taxable

Yes, adding a taxable account to the mix changes things, but not as much as you think. It really comes down to basis. If your basis is $100K and the account is $200K, and your LTCG is 15% and will always be 15%, then the government owns 7.5% of the account. If your basis is $100K and the account is...
by abuss368
Thu Aug 18, 2016 10:03 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Bond Index Funds, how many shall I use for good diversification?
Replies: 14
Views: 1643

Re: Vanguard Bond Index Funds, how many shall I use for good diversification?

Hi Everyone, I have been reading about 3 or 4 fund portfolios on BH and thinking that is how I would end up structuing my portfolio. My vanguard advisor however recommended something a bit more sophisticated. I was wondering your thoughts specifically on the Bond portion, Intermediate term vs Limit...
by abuss368
Thu Aug 18, 2016 9:56 pm
Forum: Investing - Theory, News & General
Topic: Bonds in Taxable
Replies: 146
Views: 7943

Re: Bonds in Taxable

The hand wringing over placement of bonds often seems skewed here; most investors are not above the 25% bracket. I agree. In fact many of my threads over the summer questioned tax exempt bond funds at all compared to Total Bond for the added diversity and safety in taxable accounts. Tax exempt bond...
by abuss368
Thu Aug 18, 2016 9:53 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Bond Index Funds, how many shall I use for good diversification?
Replies: 14
Views: 1643

Re: Vanguard Bond Index Funds, how many shall I use for good diversification?

Taylor, thank you! This structure perfect sense and will allow me to much more easily rebalance over time. One quick question: do you think the international % is too high? I'm 42 and hope to retire (or slow down) in ten years, which is why I chose a relatively conservative 60/40 portfolio, plus I ...
by abuss368
Thu Aug 18, 2016 9:34 pm
Forum: Investing - Help with Personal Investments
Topic: The Three-Fund Portfolio [Minimizing tax impacts]
Replies: 8
Views: 905

Re: The Three-Fund Portfolio [Minimizing tax impacts]

My question is would I be better off tax wise or otherwise spreading around my 3FP over the IRA and taxable accounts whereby, for example, the bonds would all be in the IRA's and the stocks would be in the taxable account while still maintaining my chosen asset allocations? Hi Mr. Dogg, Welcome to ...
by abuss368
Thu Aug 18, 2016 9:29 pm
Forum: Investing - Theory, News & General
Topic: Is BNDX (total international bond) and its utilization in target date funds terrible?
Replies: 79
Views: 5228

Re: Is BNDX (total international bond) and its utilization in target date funds terrible?

True, TIPS are relatively new and we don't always know how they will respond to various market and other changes. . Hi Dandy, In my opinion TIPS are largely a new asset class that provides 20 years of history at best. Investors may have some uncertainly because no one is exactly sure how TIPS will ...
by abuss368
Thu Aug 18, 2016 1:16 pm
Forum: Investing - Theory, News & General
Topic: Is BNDX (total international bond) and its utilization in target date funds terrible?
Replies: 79
Views: 5228

Re: Is BNDX (total international bond) and its utilization in target date funds terrible?

Here's my additional thought beyond "the too much money in the world chasing too few assets" problem ... When the U.S. Economy collapses, the stock market usually drops also but then the Fed often drops rates to spur the economy up. That gives a boost to your domestic bond holdings so it ...
by abuss368
Thu Aug 18, 2016 1:15 pm
Forum: Investing - Theory, News & General
Topic: Is BNDX (total international bond) and its utilization in target date funds terrible?
Replies: 79
Views: 5228

Re: Is BNDX (total international bond) and its utilization in target date funds terrible?

I'm a big fan of BNDX (TIBM) and VWOB (Emerging Market Bond). Ex-US bonds are a huge investable market and it's great to see Vanguard provide a low cost option in this space. I'd even like them to add a few more Ex-US bond funds in the future. I'm surprised that a forum dedicated to cheap, market-c...
by abuss368
Thu Aug 18, 2016 1:13 pm
Forum: Investing - Theory, News & General
Topic: Is BNDX (total international bond) and its utilization in target date funds terrible?
Replies: 79
Views: 5228

Re: Total Bond Market and Rising Rates

There aren't any US bond funds that would escape the rate of rising rates, are there? Consider this: 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 ...
by abuss368
Fri Aug 12, 2016 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: How to establish 3-fund portfolio with small overall balance
Replies: 14
Views: 983

Re: How to establish 3-fund portfolio with small overall balance

I would consider a simple all in one fund such as a Target or Life-strategy fund. Once your investment portfolio increases in value, you could consider the Three Fund Portfolio or the Vanguard Four Fund Portfolio. However, don't be surprised if you simply decide to stay the course with the all in on...
by abuss368
Fri Aug 12, 2016 8:23 pm
Forum: Investing - Theory, News & General
Topic: The Empire (of Active Managers) Strikes Back
Replies: 6
Views: 945

Re: The Empire (of Active Managers) Strikes Back

I thought Bogleheads would find Scott Burns' latest column of interest: https://assetbuilder.com/knowledge-center/articles/the-empire-strikes-back-(at-the-index-fund-uprising) Hi delamer, I always think of Jack Bogle's advice: Why search for the needle in the haystack when I can buy the haystack!
by abuss368
Fri Aug 12, 2016 1:22 am
Forum: Investing - Theory, News & General
Topic: Bogle & Buffett on International Investing
Replies: 82
Views: 6834

Re: Bogle & Buffett on International Investing

I don't invest in International because of simplicity. I am sticking to my two fund portfolio plan. In my opinion it won't make much of a difference anyway. +1 I'm in the same camp. I have been investing in my 401K for 22 years now and never held international. I also love simplicity and believe mo...
by abuss368
Thu Aug 11, 2016 11:53 pm
Forum: Investing - Help with Personal Investments
Topic: TIPS
Replies: 9
Views: 874

Re: TIPS

What is a reasonable allocation for TIPS- in some of the literature they say 20% for a middle-age investor which seems like a lot if I also have 20% in bonds. Also in buying TIPS are there any significant pros/cons in the STIP and FSIYX funds through Fidelity; expense ratios are about 0.1 each. Oth...
by abuss368
Wed Aug 10, 2016 9:31 pm
Forum: Investing - Theory, News & General
Topic: Websites - National Real Estate Investor and REIT.com
Replies: 3
Views: 364

Re: Websites - National Real Estate Investor and REIT.com

Does anyone read these real estate websites? If so, what value do you find? I have checked these sites in the past to read what's new on real estate investing [and I listen to a local radio show that loves to talk about/push local and national reits], but as far as value, honestly none. After retir...
by abuss368
Wed Aug 10, 2016 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Websites - CNBC & Fox Business
Replies: 13
Views: 1245

Re: Websites - CNBC & Fox Business

Very good feedback. It appears that many Bogleheads do not read such websites or follow the financial "porn".
by abuss368
Wed Aug 10, 2016 9:29 pm
Forum: Investing - Help with Personal Investments
Topic: Are bonds necessary for young investors?
Replies: 58
Views: 3205

Re: Are bonds necessary for young investors?

I also often think of Taylor's well advice: "Stocks let us eat well. Bonds let us sleep well."

Best.
by abuss368
Wed Aug 10, 2016 9:28 pm
Forum: Investing - Help with Personal Investments
Topic: Are bonds necessary for young investors?
Replies: 58
Views: 3205

Re: Are bonds necessary for young investors?

Hi RJER, Welcome to the Bogleheads. In my opinion almost all investment portfolios should have some allocation to a good, well diversified, and low cost bond fund. The importance of asset allocation and rebalancing was very evident during the financial crisis. In hindsight, I was thankful for the al...
by abuss368
Wed Aug 10, 2016 9:26 pm
Forum: Investing - Theory, News & General
Topic: Bogle & Buffett on International Investing
Replies: 82
Views: 6834

Re: Bogle & Buffett on International Investing

I have followed this too over the years. I have the most respect for both our mentor Mr. Bogle and Warren Buffett. However, I can't help but also listen to Vanguard investment experts. In addition, I look at some of the companies in the Total Stock Market and then the Total International Stock marke...
by abuss368
Wed Aug 10, 2016 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Life Strategy Funds
Replies: 32
Views: 3531

Re: Vanguard Life Strategy Funds

I moved my retirement funds into the Vanguard Life Strategy funds, the conservative growth fund, the moderate growth fund. My retirement portfolio is now balanced to 50% equities and 50% bonds. The funds charge .14% which I think is quite reasonable. Love to hear any suggestions or thoughts on thes...
by abuss368
Wed Aug 10, 2016 9:20 pm
Forum: Investing - Help with Personal Investments
Topic: Help needed...Bye Bye, Merrill Lynch....here I come Vanguard...
Replies: 30
Views: 3169

Re: Help needed...Bye Bye, Merrill Lynch....here I come Vanguard...

Hi AnthonyG, Welcome to the Bogleheads! We were once with Merrill Lynch too. We were never comfortable and eventually became very upset and frustrated with all the trading, account fees, load fees, among others. Eventually, we moved to Vanguard. Looking back, moving to Vanguard was the best financia...
by abuss368
Wed Aug 10, 2016 8:49 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1837
Views: 419959

Re: What Movie Have You Recently Watched?

"And So It Goes" with Michael Douglas and Diane Keaton on Netflix. Really enjoyed the film.
by abuss368
Wed Aug 10, 2016 8:16 am
Forum: Investing - Theory, News & General
Topic: Talking about the Bogleheads approach with non-Bogleheads
Replies: 64
Views: 4455

Re: Talking about the Bogleheads approach with non-Bogleheads

Pete12: Whenever I am asked about investing by good friends or relatives, I send them a copy of Mr. Bogle's "Little Book of Common Sense Investing." You can read excerpts here: An Investment Gem. Best wishes. Taylor Very well said Taylor. One of my favorite books from our mentor Jack Bogle!
by abuss368
Wed Aug 10, 2016 8:11 am
Forum: Personal Finance (Not Investing)
Topic: Websites - CNBC & Fox Business
Replies: 13
Views: 1245

Re: Websites - CNBC & Fox Business

Raymond wrote:I personally do not waste my time watching financial pornography :P


Well said. :sharebeer
by abuss368
Wed Aug 10, 2016 8:10 am
Forum: Investing - Theory, News & General
Topic: Vanguard upgrading to Brokerage account comes with some nuisances
Replies: 64
Views: 6562

Re: Vanguard upgrading to Brokerage account comes with some nuisances

Bogleheads, There appears to be frustration with the "upgrade" based on some of the posts I have read over the past year. Is this "upgrade" going to be mandatory? Our mutual fund accounts work fine and do the job! Thus we have been very hesitant to change anything and had no des...
by abuss368
Wed Aug 10, 2016 8:09 am
Forum: Investing - Theory, News & General
Topic: Websites - National Real Estate Investor and REIT.com
Replies: 3
Views: 364

Re: Websites - National Real Estate Investor and REIT.com

Does anyone read these real estate websites? If so, what value do you find? I have checked these sites in the past to read what's new on real estate investing [and I listen to a local radio show that loves to talk about/push local and national reits], but as far as value, honestly none. After retir...
by abuss368
Tue Aug 09, 2016 11:21 pm
Forum: Investing - Help with Personal Investments
Topic: How does a Boglehead save for child's education?
Replies: 138
Views: 9316

Re: How does a Boglehead save for child's education?

We opened 529 plans with Vanguard and selected a simple all in one fund. This has worked very well to date and we will stay the course through the college years. Remember, the stock and bond ratio is very important as the future expected need is much closer in terms of years. Retirement is much furt...
by abuss368
Tue Aug 09, 2016 10:27 pm
Forum: Investing - Theory, News & General
Topic: International Bond Debate
Replies: 16
Views: 1285

Re: International Bond Debate

We have discussed the appropriate allocation to international bonds quite a bit over the last couple of years. Here's the updated white paper from Vanguard that thoroughly discusses the case for some international bonds in your portfolio. https://personal.vanguard.com/pdf/icrifi.pdf It requires one...
by abuss368
Tue Aug 09, 2016 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: Websites - CNBC & Fox Business
Replies: 13
Views: 1245

Websites - CNBC & Fox Business

Bogleheads,

To follow up another thread (non-real estate here): Does anyone use the CNBC and Fox Business websites? Are these websites valuable for information and world/business news?

Best.
by abuss368
Tue Aug 09, 2016 10:21 pm
Forum: Investing - Theory, News & General
Topic: Vanguard upgrading to Brokerage account comes with some nuisances
Replies: 64
Views: 6562

Re: Vanguard upgrading to Brokerage account comes with some nuisances

Bogleheads, There appears to be frustration with the "upgrade" based on some of the posts I have read over the past year. Is this "upgrade" going to be mandatory? Our mutual fund accounts work fine and do the job! Thus we have been very hesitant to change anything and had no desi...
by abuss368
Tue Aug 09, 2016 10:18 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1837
Views: 419959

Re: What Movie Have You Recently Watched?

Watching "Cape Fear" on Netflix.
by abuss368
Tue Aug 09, 2016 10:17 pm
Forum: Investing - Theory, News & General
Topic: Websites - National Real Estate Investor and REIT.com
Replies: 3
Views: 364

Websites - National Real Estate Investor and REIT.com

Bogleheads,

I am interested in some thoughts and opinions with regards to a couple of real estate websites:

1) http://www.reit.com

2) http://www.nreionline.com


Does anyone read these real estate websites? If so, what value do you find?

Best.
by abuss368
Sun Aug 07, 2016 7:59 pm
Forum: Investing - Theory, News & General
Topic: International Bond Debate
Replies: 16
Views: 1285

Re: International Bond Debate

Is this asset class the largest in the world? How can investors ignore that?

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