Search found 10179 matches

by abuss368
Thu Jul 28, 2016 5:14 am
Forum: Investing - Help with Personal Investments
Topic: 20% In REITS?
Replies: 45
Views: 3354

Re: 20% In REITS?

David Swensen, the very successful Chief Investment Officer at Yale University, in his classical "Unconventional Success" recommends a portfolio that holds 20% REIT. A lot has changed since his book came out in 2005. What does he recommend now? I was very fortunate to attend a lecture of ...
by abuss368
Thu Jul 28, 2016 12:01 am
Forum: Investing - Help with Personal Investments
Topic: 20% In REITS?
Replies: 45
Views: 3354

Re: 20% In REITS?

We have been very long time REIT investors. First with individual stocks and now Vanguard index funds. We allocate approximately 30% of equity to REITs and this has worked very well. U.S. REITs Index is 18% of equity and International REITs is 12% of equity.
by abuss368
Wed Jul 27, 2016 11:56 pm
Forum: Investing - Help with Personal Investments
Topic: 20% In REITS?
Replies: 45
Views: 3354

Re: 20% In REITS?

David Swensen, the very successful Chief Investment Officer at Yale University, in his classical "Unconventional Success" recommends a portfolio that holds 20% REIT. A lot has changed since his book came out in 2005. What does he recommend now? I was very fortunate to attend a lecture of ...
by abuss368
Wed Jul 27, 2016 5:36 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1745
Views: 389848

Re: What Movie Have You Recently Watched?

"Surviving Progress" on Netflix. Not bad at all and touches on banking, world debts, over population, earth resources, and technology.
by abuss368
Tue Jul 26, 2016 11:54 pm
Forum: Investing - Theory, News & General
Topic: John Bogle's home
Replies: 36
Views: 6171

Re: John Bogle's home

Thank you Mr. Bogle!
by abuss368
Tue Jul 26, 2016 11:49 pm
Forum: Investing - Help with Personal Investments
Topic: Rick Ferri and Microcaps
Replies: 3
Views: 717

Re: Rick Ferri and Microcaps

I believe he moved away from this fund years ago but could be wrong.
by abuss368
Tue Jul 26, 2016 11:33 pm
Forum: Investing - Help with Personal Investments
Topic: Beginner Investor
Replies: 16
Views: 817

Re: Beginner Investor

I would also consider a Roth IRA with a very low $1,000 opening deposit to a Vanguard LifeStrategy or Target Fund. This is a good idea, but you have to have earned income. If not earned, then a regular taxable account. Best choice would be a target retirement fund with maybe 40 to 60% stock. Nick, ...
by abuss368
Tue Jul 26, 2016 10:11 pm
Forum: Investing - Help with Personal Investments
Topic: Private Wealth Management - Vanguard or ML
Replies: 28
Views: 2464

Re: Private Wealth Management - Vanguard or ML

We left Merrill Lynch many years ago fro Vanguard because of the very high fees. In fact, moving our investment portfolio to Vanguard was the best financial decision we ever made.
by abuss368
Tue Jul 26, 2016 10:07 pm
Forum: Investing - Theory, News & General
Topic: Gold. OUNZ, PHYS, IAU, GLD, SGOL?
Replies: 7
Views: 447

Re: Gold. OUNZ, PHYS, IAU, GLD, SGOL?

I would consider this strategy carefully. Any precious metal is pure speculation and not investing. An investor is speculating that someone else will buy this precious metal or commodity at some point in the future at a higher price than they paid for it. Why? The metal or commodity has no earnings ...
by abuss368
Tue Jul 26, 2016 10:04 pm
Forum: Investing - Help with Personal Investments
Topic: Beginner Investor
Replies: 16
Views: 817

Re: Beginner Investor

I'm 16 years old and I've just read the Boggleheads Guide to Investing and I have around 1000$ I would like to invest just to test the market out. I was thinking Index Funds, low-risk Mutual Funds, or ETF's. How do I actaully get started, where do I make an account. Does Vanguard work for that? I k...
by abuss368
Tue Jul 26, 2016 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: Some TIPs Advice, Please
Replies: 10
Views: 813

Re: Some TIPs Advice, Please

Hi alan,

You have received some good advice on this thread. I am curious to your plans and any change in strategy.

Best.
by abuss368
Tue Jul 26, 2016 10:00 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Prime Money Market Fund (VMMXX) Question?
Replies: 31
Views: 9028

Re: Vanguard Prime Money Market Fund (VMMXX) Question?

I was starting to read this thread and noticed the original date and that new posts with a different subject. We moved out of the Vanguard Prime Money Market Fund many years ago to simplify cash management. We simply use our checking account at the bank as the to and from if needed. When yields redu...
by abuss368
Mon Jul 25, 2016 10:53 am
Forum: Investing - Theory, News & General
Topic: High Yield Junk Bonds
Replies: 42
Views: 3337

Re: High Yield Junk Bonds

Bogleheads, What are your thoughts on the high yield bond funds? More yield which means more risk. Many years ago I had a family member that invested in them that believed the dividends were everything... Technically, these are interest payments, not dividends. I tend to side with the "take yo...
by abuss368
Sun Jul 24, 2016 7:57 am
Forum: Investing - Help with Personal Investments
Topic: Bonds at an historic high; time to get out?
Replies: 37
Views: 3249

Re: Bonds at an historic high; time to get out?

I would stay the course. Market timing has been proven not to work.
by abuss368
Sun Jul 24, 2016 7:53 am
Forum: Personal Finance (Not Investing)
Topic: Some TIPs Advice, Please
Replies: 10
Views: 813

Re: Some TIPs Advice, Please

in my opinion I would keep your investing simple and select Total Bond Market Index Fund. This fund is very low cost and has thousands of bonds. During the financial crisis Total Bond increased while high yield bonds and TIPS bonds declined.
by abuss368
Sat Jul 23, 2016 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Some TIPs Advice, Please
Replies: 10
Views: 813

Re: Some TIPs Advice, Please

In my opinion TIPS are not "needed".
by abuss368
Fri Jul 22, 2016 11:44 am
Forum: Investing - Help with Personal Investments
Topic: Crazy to hold (BNDX) International Bonds?
Replies: 39
Views: 2242

Re: Crazy to hold (BNDX) International Bonds?

As I said, it has outperformed for 1 and 3 years. And that was all with the rates being lower. You didn't address that. The change in rates affects performance as well as the yield. Not an expert by any means, but you generally speaking should consider risk when discussing return. Long bonds have c...
by abuss368
Fri Jul 22, 2016 11:00 am
Forum: Investing - Theory, News & General
Topic: High Yield Junk Bonds
Replies: 42
Views: 3337

High Yield Junk Bonds

Bogleheads, What are your thoughts on the high yield bond funds? More yield which means more risk. Many years ago I had a family member that invested in them that believed the dividends were everything but never rally discussed or considered the risk on NAV (especially during market stress). They ev...
by abuss368
Fri Jul 22, 2016 10:43 am
Forum: Investing - Help with Personal Investments
Topic: Crazy to hold (BNDX) International Bonds?
Replies: 39
Views: 2242

Re: Crazy to hold (BNDX) International Bonds?

I would not be surprised if more and mor investors own this asset class in the next couple or few years. One can alre any sense a difference on this forum compared to when Vanguard launched the fund a few years ago.
by abuss368
Fri Jul 22, 2016 10:40 am
Forum: Investing - Help with Personal Investments
Topic: REIT , bubble and timing the market
Replies: 11
Views: 1656

Re: REIT , bubble and timing the market

Investors opinions of REITs going forward may be evolving once again like 1992. This August, REITs (and equity REITs only - not mortgage REITs) will become separated from the financial classification to their own classification in the S&P. The REIT market has grown (and is continuing to grow) th...
by abuss368
Fri Jul 22, 2016 9:05 am
Forum: Personal Finance (Not Investing)
Topic: How many folks choose to give inheritance to their children in unequal portions?
Replies: 182
Views: 13841

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

A good question and one that at some point most of us must consider. Personally we have decided to split everything equally. From there the payments are essentially in turst and will be paid to the children in multiple installments over time as they become much older. They will not come into a lot o...
by abuss368
Fri Jul 22, 2016 8:59 am
Forum: Investing - Theory, News & General
Topic: Govt mortgage backed bonds in Total Bond Mkt Fund
Replies: 5
Views: 471

Re: Govt mortgage backed bonds in Total Bond Mkt Fund

Unlike ABS, the star of "The Big Short", none of these are for credit support. We just watched "The Big Short" on Netflix and learned a lot regarding this topic. During the financial crisis, our Total Bond Index fund increased in value while TIPS, High Yield, and many other fund...
by abuss368
Fri Jul 22, 2016 8:57 am
Forum: Investing - Theory, News & General
Topic: Govt mortgage backed bonds in Total Bond Mkt Fund
Replies: 5
Views: 471

Re: Govt mortgage backed bonds in Total Bond Mkt Fund

That is a good question and one that I am not sure. I suspect the duration may fluctuate a little in each direction but maintains an overall average. The fund is constantly buying, selling, and having bonds mature for it's Shareholders.

Best.
by abuss368
Fri Jul 22, 2016 8:55 am
Forum: Investing - Help with Personal Investments
Topic: Where do you buy individual stocks?
Replies: 43
Views: 2160

Re: Where do you buy individual stocks?

Bogleheads, I was fortunate enough to attend a lecture of David Swensen's where he essentially reinforced his quote above and then expanded on it: David Swensen, Chief Investment Officer of Yale University: "There's no way that spending a few hours a week looking at individual securities is goi...
by abuss368
Fri Jul 22, 2016 8:51 am
Forum: Investing - Help with Personal Investments
Topic: REIT , bubble and timing the market
Replies: 11
Views: 1656

Re: REIT , bubble and timing the market

A good question. We have been REIT investors for a long time and are happy with the results and cash flows from dividends. First during our individual stock picking days, we invested in REITs and I could cite a lot about many of the companies. I am presently reading 'Investing in REITs" by Ralp...
by abuss368
Fri Jul 22, 2016 8:46 am
Forum: Investing - Theory, News & General
Topic: I'm down 44.22% YTD, 48.93% in 52 weeks
Replies: 51
Views: 12027

Re: I'm down 44.22% YTD, 48.93% in 52 weeks

You do realize you resuscitated a thread that's almost eight years old, do you not. Hi Gordon, I too thought the same thing at first but then I step back and found an important lesson here. This too shall pass and "stay the course". Investing principles that have stood the test of time an...
by abuss368
Fri Jul 22, 2016 8:43 am
Forum: Investing - Theory, News & General
Topic: Discussing investing with spouse
Replies: 39
Views: 2367

Re: Discussing investing with spouse

Bogleheads,

I also completed the Financial Inventory document that Vanguard has on their website and has been discussed in their presentations. This document provides an excellent snapshot of accounts, contact information, and so forth.

Best.
by abuss368
Fri Jul 22, 2016 8:42 am
Forum: Investing - Theory, News & General
Topic: Discussing investing with spouse
Replies: 39
Views: 2367

Re: Discussing investing with spouse

This is an excellent question and topic and one that I have appreciated more as time has moved forward. One can only do so much preparation. A few points I have done over the years: * Consolidated all banking with one bank - Wells Fargo - This has allowed every account to be consolidated on one webp...
by abuss368
Fri Jul 22, 2016 8:32 am
Forum: Investing - Theory, News & General
Topic: Great Rick Ferri Interview
Replies: 12
Views: 4473

Re: Great Rick Ferri Interview

This is a little old but you are right it was a good interview. I would like to see a current interview from Rick and his investment thoughts!
by abuss368
Fri Jul 22, 2016 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Wells Fargo
Replies: 73
Views: 8731

Re: Wells Fargo

Hi Bogleheads,

An update related to Wells Fargo and the Health Savings Accounts (HSA). Wells Fargo has made the decision to sell their HSA accounts to Optum. This will be moving forward over the days and weeks ahead. Some folks may already be aware but I wanted to share.

Best.
by abuss368
Fri Jul 22, 2016 8:29 am
Forum: Investing - Help with Personal Investments
Topic: Crazy to hold (BNDX) International Bonds?
Replies: 39
Views: 2242

Re: Crazy to hold (BNDX) International Bonds?

One additional thought: I don't think anyone is "crazy" to add Vanguard Total International Bond Index Fund. Personally I would have no interest however in adding Vanguard's Emerging Market Bond Index Fund. That is a risk I am not willing or interested in taking.
by abuss368
Fri Jul 22, 2016 8:28 am
Forum: Investing - Help with Personal Investments
Topic: Crazy to hold (BNDX) International Bonds?
Replies: 39
Views: 2242

Re: Crazy to hold (BNDX) International Bonds?

I am really on the fence and continuing to learn more about this asset class. I sometimes think this asset class is getting (or presently is) to hard to ignore. It is the largest in the investment universe. The yield is a little lower and the duration a little higher but I am thinking over time an i...
by abuss368
Fri Jul 22, 2016 8:25 am
Forum: Personal Consumer Issues
Topic: Orlando Disney Parks
Replies: 41
Views: 3077

Re: Orlando Disney Parks

I have never experienced a trip to Disney where a sore back and blisters on my feet were not involved!
by abuss368
Fri Jul 22, 2016 8:24 am
Forum: Personal Consumer Issues
Topic: World VCR production is ending next month. What to do with my old VHS tapes?
Replies: 57
Views: 4363

Re: World VCR production is ending next month. What to do with my old VHS tapes?

Bogleheads, We had so many VHS tapes at one time. I recall those days well. Soon it was apparent they were going to become extinct much the same as any medium of technology in time. We purchased some DVD's as the years went on but this market was really never as expensive (our experience) as VHS was...
by abuss368
Thu Jul 21, 2016 11:40 am
Forum: Investing - Help with Personal Investments
Topic: Crazy to hold (BNDX) International Bonds?
Replies: 39
Views: 2242

Re: Crazy to hold (BNDX) International Bonds?

What I found interesting in reviewing both the Annual Report for Total International Bond Index is the number of U.S. companies that are now issuing bonds in foreign markets - Bershire, Apple, etc. This is in the news more and more. The flip side is Total Bond Index holds foreign companies issuing b...
by abuss368
Thu Jul 21, 2016 11:13 am
Forum: Personal Consumer Issues
Topic: Orlando Disney Parks
Replies: 41
Views: 3077

Re: Orlando Disney Parks

We have always bought Disney passes at AAA. There is a deposit but then the balance due is some point in the future. Unlike paying Disney directly.

A week in Disney simply beats one up! We usually drive over to Sarasoa or somewhere for beach and relaxation time.
by abuss368
Wed Jul 20, 2016 9:26 pm
Forum: Investing - Help with Personal Investments
Topic: Crazy to hold (BNDX) International Bonds?
Replies: 39
Views: 2242

Re: Crazy to hold (BNDX) International Bonds?

Vanguard investment experts recommend an allocation of 30% of bonds.
by abuss368
Tue Jul 19, 2016 10:05 pm
Forum: Investing - Theory, News & General
Topic: Farmland REITs?
Replies: 26
Views: 1887

Re: Farmland REITs?

I forgot about this REIT sector.
by abuss368
Tue Jul 19, 2016 10:04 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Voice Verification
Replies: 21
Views: 3210

Re: Vanguard Voice Verification

We have been thinking about this.
by abuss368
Tue Jul 19, 2016 10:03 pm
Forum: Investing - Help with Personal Investments
Topic: Berkshire Hathaway Class B
Replies: 42
Views: 3129

Re: Berkshire Hathaway Class B

I usually read the annual Shareholder letter written by Warren Buffett.
by abuss368
Tue Jul 19, 2016 10:02 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1745
Views: 389848

Re: What Movie Have You Recently Watched?

Watching "The Big Short" on Netflix related to the financial crisis. Very good thus far.
by abuss368
Tue Jul 19, 2016 10:29 am
Forum: Investing - Help with Personal Investments
Topic: Berkshire Hathaway Class B
Replies: 42
Views: 3129

Re: Berkshire Hathaway Class B

I would not consider Beekshire like a mutual fund. I would also be cautious about past performance is a good indication of future performance. The last few years, Warren Buffett has said Berkshires results will probably be much different going forward as they are so large now. Not to sound gloomy bu...
by abuss368
Mon Jul 18, 2016 9:06 pm
Forum: Investing - Theory, News & General
Topic: R.I.P. CIT Bank 3.25% brokered CD (called)
Replies: 49
Views: 4622

Re: R.I.P. CIT Bank 3.25% brokered CD (called)

David Swensen, Yale University CIO, talked at length about call risk in his book "Unconventional Success".
by abuss368
Mon Jul 18, 2016 9:05 pm
Forum: Investing - Help with Personal Investments
Topic: Invest Emergency Fund?
Replies: 12
Views: 1010

Re: Invest Emergency Fund?

We have built (and continue to build) our cash balances. A simple and boring good old savings account has done the job just fine. We sleep well at night.
by abuss368
Mon Jul 18, 2016 9:04 pm
Forum: Investing - Theory, News & General
Topic: VMBS vs BND
Replies: 10
Views: 838

Re: VMBS vs BND

There is a good reason why Total Bond Index Fund is the largest bond fund in the world now. For good reason, as during the financial crisis when some bond funds were decreasing in value (i.e. TIPS and High Yield), Total Bond Index increased in value. This is an excellent investment to stay the cours...
by abuss368
Mon Jul 18, 2016 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: Early retiree: 3% SWR or 4% SWR for planning purposes?
Replies: 61
Views: 4801

Re: Early retiree: 3% SWR or 4% SWR for planning purposes?

Vanguard has a lot of research and so forth that recommends planning to at least 100 years old.
by abuss368
Mon Jul 18, 2016 9:01 pm
Forum: Investing - Help with Personal Investments
Topic: convert mutual fund to index fund
Replies: 29
Views: 1960

Re: convert mutual fund to index fund

Many brokers charge large fees. Many years ago we were with Merrill Lynch and the commissions, load fees, annual account fees, among others, were very high. Moving to Vanguard was the best financial decision we ever made.
by abuss368
Mon Jul 18, 2016 8:59 pm
Forum: Investing - Theory, News & General
Topic: "Global stock investing: Broadening the borders of your portfolio."
Replies: 2
Views: 269

Re: "Global stock investing: Broadening the borders of your portfolio."

The tendency to stick with investments within one's home country is common among investors worldwide. This predisposition is so common that there's an investment term to describe it, home bias. Even those who recognize the potential benefits of broad diversification may still feel reluctant to hold...

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