Search found 9706 matches

by abuss368
Thu May 26, 2016 1:09 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 43
Views: 5884

Re: Jack Bogle - Two Fund Portfolio

My Jack Bogle portfolio is Vanguard Total Stock Market Admiral and Vanguard Intermediate-Term Bond Index Fund. Very simple. Re-balance once a year with a 5% band in my retirement accounts. I am not interested in International investing as it most likely won't make a difference anyway ("When ex...
by abuss368
Thu May 26, 2016 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: Adding a tilt--which international fund to use?
Replies: 64
Views: 3453

Re: Adding a tilt--which international fund to use?

Hi Morik, In my opinion your investment portfolio is fine. I did not mean to imply that you may know more than the markets. Perhaps I should I worded it as if one if going to tilt away or in a different direction from the markets, please be aware of the possible additional risk and reward. As I alwa...
by abuss368
Wed May 25, 2016 9:07 pm
Forum: Investing - Help with Personal Investments
Topic: Adding a tilt--which international fund to use?
Replies: 64
Views: 3453

Re: Adding a tilt--which international fund to use?

Hi Morik, It can be dangerous to think you may know more than the market. Once investors tilt away from the market the result can be very good or bad. In my opinion Total International Stock Index Fund is an excellent and low cost way to own the international markets. This fund also includes emergin...
by abuss368
Wed May 18, 2016 9:54 pm
Forum: Investing - Help with Personal Investments
Topic: REIT investment
Replies: 27
Views: 2834

Re: REIT investment

REITs have been an excellent investment. Both U.S. and International.
by abuss368
Wed May 18, 2016 9:53 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1471
Views: 755700

Re: The Three-Fund Portfolio

Over 15,000 non-overlapping securities is very impressive! I own Lifestrategy Growth in my Roth and 2030 Target Fund in my Tradational IRA...with the Vanguard International Bond what would that number be of non-overlapping securities? Just curious! Franko1966: Below are the current numbers of secur...
by abuss368
Wed May 18, 2016 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: 10 Year TIPS Auction
Replies: 14
Views: 1098

Re: 10 Year TIPS Auction

Bogleheads,

Sometimes I am surprised at how many folks are still loyal to this asset class. That must be very tough at times.

Best.
by abuss368
Wed May 18, 2016 8:45 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1471
Views: 755700

Re: The Three-Fund Portfolio

Over 15,000 non-overlapping securities is very impressive! I own Lifestrategy Growth in my Roth and 2030 Target Fund in my Tradational IRA...with the Vanguard International Bond what would that number be of non-overlapping securities? Just curious! Vanguard Target Date funds include Total Internati...
by abuss368
Wed May 18, 2016 5:06 pm
Forum: Investing - Theory, News & General
Topic: Jim Cramer doesn’t beat the market
Replies: 61
Views: 6354

Re: The Power of the media

Taylor Larimore wrote:
abuss368 wrote:Bogleheads,

I am surprised that after all these years, Mad Money is still on CNBC.

Best.

Abuss368:

Never underestimate the power of the media to make people behave against their best interest.

Best wishes.
Taylor


Indeed!
by abuss368
Wed May 18, 2016 4:33 pm
Forum: Personal Consumer Issues
Topic: How to decide who gets the used Iphone
Replies: 15
Views: 1140

Re: How to decide who gets the used Iphone

We have provided our older Apple products to the kids and switch on and off. This has resulted in no problems or issues.
by abuss368
Wed May 18, 2016 4:32 pm
Forum: Investing - Theory, News & General
Topic: Bogle's Common Sense 5 fund portfolio
Replies: 13
Views: 2486

Re: Bogle's Common Sense 5 fund portfolio

I have that book and have purchased the 10th Anniversary updated edition to read.

Best.
by abuss368
Wed May 18, 2016 4:31 pm
Forum: Investing - Theory, News & General
Topic: Bogle's Common Sense 5 fund portfolio
Replies: 13
Views: 2486

Re: Bogle's Common Sense 5 fund portfolio

I read that book and remember it as a pretty passionate case against active funds, tilting, and especially sector funds. Where in the book can I find him recommending that portfolio? I do recall the portfolio he provided and at first was a little confused as it was not the Two Fund Portfolio. The c...
by abuss368
Wed May 18, 2016 4:27 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1471
Views: 755700

Re: The Three-Fund Portfolio

Thanks for the replies. If I got rid of NAESX and stuck with the 3 fund, would this be too aggressive even for someone who is aggressive and is 31. Total Stock Admiral 70% Total Intl 12% Total Bonds 18% This is a very personal decision and choice. Either way you will be fine. However, I am prefer a...
by abuss368
Wed May 18, 2016 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: Move USAA Managed Funds to Vanguard
Replies: 11
Views: 560

Re: Move USAA Managed Funds to Vanguard

Hi skollar,

I wanted to add that it is important to remember Jack Bogle's wise advice "Simplicity is the master key to financial success".

Best.
by abuss368
Wed May 18, 2016 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: Move USAA Managed Funds to Vanguard
Replies: 11
Views: 560

Re: Move USAA Managed Funds to Vanguard

New to Bogleheads, excited! Thanks for the referral Jim! Emergency funds: 6 months in savings Debt: $0 debt, however we do have a BMW lease for another 2.5yrs, boy do I regret that! Tax Filing Status: Married, filing jointly Tax Rate: 23%, no state tax State of Residence: TX Age: 44 Desired Asset a...
by abuss368
Wed May 18, 2016 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: "Don't you dare figure it out on your own!"
Replies: 38
Views: 6447

Re: "Don't you dare figure it out on your own!"

Hi Church Lady, A good post with a lot of very good questions. In my opinion, you would be wise to invest time in reading a very good book for starters. I would recommend The Bogleheads Guide To Retirement. In addition, there are many retired folks on the forum who are very successful. At that point...
by abuss368
Wed May 18, 2016 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Some days still not sure I made the right choice
Replies: 49
Views: 7764

Re: Some days still not sure I made the right choice

Hi mule,

Congrats on being financially independent and able to make these decisions in life.

Best.
by abuss368
Wed May 18, 2016 4:15 pm
Forum: Investing - Theory, News & General
Topic: Jim Cramer doesn’t beat the market
Replies: 61
Views: 6354

Re: Jim Cramer doesn’t beat the market

Bogleheads,

I am surprised that after all these years, Mad Money is still on CNBC.

Best.
by abuss368
Tue May 17, 2016 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Could I be held Liable for giving financial advice to a friend
Replies: 37
Views: 3621

Re: Could I be held Liable for giving financial advice to a friend

In my opinion I am unsure how you could possibly have any exposure.
by abuss368
Tue May 17, 2016 3:47 pm
Forum: Investing - Theory, News & General
Topic: Vanguard recommending international bond....
Replies: 46
Views: 7615

Re: Vanguard recommending international bond....

I suppose there have been even longish periods where one could say the same about unhedged international equities compared to domestic equities. So I am sympathetic to the argument that all else being equal, one should prefer the more diversified option. I guess I'm just not convinced that all else...
by abuss368
Sun May 15, 2016 9:19 pm
Forum: Investing - Theory, News & General
Topic: Jim Cramer doesn’t beat the market
Replies: 61
Views: 6354

Re: Jim Cramer doesn’t beat the market

I read his first book "Confessions of a Street Addict" many years ago. The book was not bad at all and one has to respect the work ethic and determination.

Best.
by abuss368
Sun May 15, 2016 9:27 am
Forum: Investing - Theory, News & General
Topic: Bond Index Funds - The turning tide from active
Replies: 45
Views: 3557

Re: Bond Index Funds - The turning tide from active

nedsaid wrote:There are some folks here that criticize US Total Bond Market but for me it is a "good enough" investment. It is a conservative bond fund, intermediate term, investment grade, and very low expenses. I own it in mutual fund and ETF form.


Well said. The fund definitely gets the job done.
by abuss368
Sun May 15, 2016 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Happy with Barclays savings account?
Replies: 49
Views: 15790

Re: Happy with Barclays savings account?

We have been transitioning to Wells Fargo and are very happy. A complete banking platform. The Barclays account is just an online Savings account - so a lot of people will link their B&M Bank to an Online Savings Bank to squeeze out more interest (e.g. 1%) versus the 0.01% - 0.07% offered at mo...
by abuss368
Sat May 14, 2016 9:59 pm
Forum: Investing - Theory, News & General
Topic: Bond Index Funds - The turning tide from active
Replies: 45
Views: 3557

Re: Bond Index Funds - The turning tide from active

The love affair with the poorly-performing Total Bond Index Fund continues. Oh...... :happy Hi Munir, What is your bond strategy? Best. Hi abuss, I apologize for the snarky comment of the "love-affair with TBM". My bond holdings currently are a mix of Intermediate Investment Grade and TBM...
by abuss368
Sat May 14, 2016 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: Decisions - Leave Fidelity Advisory Services for another...
Replies: 27
Views: 1835

Re: Decisions - Leave Fidelity Advisory Services for another...

costerdock wrote:
abuss368 wrote:Remember Jack Bogle's advice: "Simplicity is the master key to financial success!"


Thank you!


Best.
by abuss368
Sat May 14, 2016 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on funds for new car
Replies: 16
Views: 2127

Re: Advice on funds for new car

Sounds like an emergency to me. If you can't finance the purchase with the current low interest rates, you may need to make a down payment.
by abuss368
Sat May 14, 2016 8:23 pm
Forum: Investing - Help with Personal Investments
Topic: Decisions - Leave Fidelity Advisory Services for another...
Replies: 27
Views: 1835

Re: Decisions - Leave Fidelity Advisory Services for another...

Remember Jack Bogle's advice: "Simplicity is the master key to financial success!"
by abuss368
Sat May 14, 2016 8:21 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in VWIUX [Vanguard Intermediate-Term Tax-Exempt]
Replies: 10
Views: 1270

Re: Investing in VWIUX

We have invested in Intermediate Tax Exempt for many years and the fund does the job of providing safety and include me to an investment portfolio.
by abuss368
Sat May 14, 2016 8:18 pm
Forum: Investing - Theory, News & General
Topic: Bond Index Funds - The turning tide from active
Replies: 45
Views: 3557

Re: Bond Index Funds - The turning tide from active

Munir wrote:The love affair with the poorly-performing Total Bond Index Fund continues. Oh...... :happy


Hi Munir,

What is your bond strategy?

Best.
by abuss368
Sat May 14, 2016 8:13 pm
Forum: Investing - Theory, News & General
Topic: Investor Bulletin: Crowdfunding for Investors
Replies: 9
Views: 915

Re: Investor Bulletin: Crowdfunding for Investors

I have seen a lot of crowd funding websites and advertisements for investing in real estate. These websites and advertisements typically promise higher returns and better overall investments than REITs.
by abuss368
Sat May 14, 2016 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Happy with Barclays savings account?
Replies: 49
Views: 15790

Re: Happy with Barclays savings account?

We have been transitioning to Wells Fargo and are very happy. A complete banking platform.
by abuss368
Sat May 14, 2016 8:03 pm
Forum: Personal Consumer Issues
Topic: Food budget and frequent visitors who stay at our home
Replies: 43
Views: 2929

Re: Food budget and frequent visitors who stay at our home

Have you considered Ramen Noodles?
by abuss368
Sat May 14, 2016 8:02 pm
Forum: Personal Consumer Issues
Topic: Food budget and frequent visitors who stay at our home
Replies: 43
Views: 2929

Re: Food budget and frequent visitors who stay at our ho

Any macaroni and Italian meals. The best!
by abuss368
Sat May 14, 2016 8:00 pm
Forum: Investing - Theory, News & General
Topic: "Can Anything Stop Vanguard?"
Replies: 50
Views: 7286

Re: "Can Anything Stop Vanguard?"

Very good article Taylor about moving the needle going forward.

Thank you for sharing!
by abuss368
Sat May 14, 2016 7:52 pm
Forum: Investing - Theory, News & General
Topic: "Can Anything Stop Vanguard?"
Replies: 50
Views: 7286

Re: "CAN ANYTHING STOP VANGUARD?"

What is going to stop Vanguard is that they seem to have an awfully difficult time of running customer-facing operations. Those low prices for the funds are great, but for customers using them as custodian they get the "benefit" of those low costs. After a few years of trying to figure al...
by abuss368
Sat May 14, 2016 7:50 pm
Forum: Investing - Theory, News & General
Topic: "Can Anything Stop Vanguard?"
Replies: 50
Views: 7286

Re: "CAN ANYTHING STOP VANGUARD?"

Just to take the other side, Vanguard's customer service, technology platforms and representative knowledge is frequently the cause for client discontent as noted is several threads. If it isn't improved or if others continue to improve they will face challenges. I keep about 30% of our assets at V...
by abuss368
Sat May 14, 2016 7:47 pm
Forum: Investing - Theory, News & General
Topic: Bond Index Funds - The turning tide from active
Replies: 45
Views: 3557

Re: Bond Index Funds - The turning tide from active

Toons wrote:Total Bond :thumbsup


Indeed. We have invested in Total Bond Index for many years and it does the job. We are continuing to learn about Total International Bond Index.
by abuss368
Sat May 14, 2016 7:46 pm
Forum: Investing - Help with Personal Investments
Topic: S&P 500 real return since 2000
Replies: 33
Views: 3314

Re: S&P 500 real return since 2000

anil686 wrote:
abuss368 wrote:Does this include dividends being re-invested?


Yes for the OP's post/comment...


Wow! This is one of the risks of investing in the equity markets.
by abuss368
Sat May 14, 2016 6:37 pm
Forum: Investing - Help with Personal Investments
Topic: S&P 500 real return since 2000
Replies: 33
Views: 3314

Re: S&P 500 real return since 2000

Does this include dividends being re-invested?
by abuss368
Sat May 14, 2016 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Happy with Barclays savings account?
Replies: 49
Views: 15790

Re: Happy with Barclays savings account?

Our only experience with Barclay's was a U Promise credit card. We have had no problems and have the card for many years. We never used a savings account.
by abuss368
Sat May 14, 2016 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: TSP to Vanguard?
Replies: 23
Views: 1576

Re: TSP to Vanguard?

LAlearning wrote:
abuss368 wrote:In my opinion, moving our investment portfolio to Vanguard was the best financial decision we ever made.

Thank you Jack Bogle!


Yea, but not from the TSP.


Hi LAlearning,

I am surprised that you would know where we transferred from. In any event it was a wise decision to move to Vanguard.
by abuss368
Sat May 14, 2016 6:33 pm
Forum: Investing - Theory, News & General
Topic: Bond Index Funds - The turning tide from active
Replies: 45
Views: 3557

Re: Bond Index Funds - The turning tide from active

Rick... in the perspective of the retiree I would think one or two years draw in Treasuries would be sufficient followed by any mix of government guaranteed mortgage funds and IT corporates the investor was comfortable with. 1.75% for a ten year... that's really tough sledding after inflation and t...
by abuss368
Sat May 14, 2016 6:18 pm
Forum: Investing - Help with Personal Investments
Topic: Is now a bad time to transfer money to Vanguard???
Replies: 48
Views: 4815

Re: Is now a bad time to transfer money to Vanguard???

I'm getting conflicting information from family and friends on this so want to get feedback from those of you on bogleheads. My husband and I are in the process of moving away from a bad advisor. Basically we're moving all of our investments (401k, roth, etc.) in the next couple of months. I wish t...
by abuss368
Sat May 14, 2016 6:13 pm
Forum: Investing - Help with Personal Investments
Topic: TSP to Vanguard?
Replies: 23
Views: 1576

Re: TSP to Vanguard?

In my opinion, moving our investment portfolio to Vanguard was the best financial decision we ever made.

Thank you Jack Bogle!
by abuss368
Sat May 14, 2016 6:12 pm
Forum: Investing - Help with Personal Investments
Topic: VPAS recommendation: Do you agree? (new to index fund investing)
Replies: 61
Views: 3243

Re: VPAS recommendation: Do you agree? (new to index fund investing)

We're in the process of working with an advisor at Vanguard after a horrible experience with our advisor/salesman. At this point, I trust no advisors so am looking for your thoughts on what they have recommended. Here is the recommendation they gave us. Does this allocation look about right? Ages: ...
by abuss368
Sat May 14, 2016 6:08 pm
Forum: Investing - Theory, News & General
Topic: Investor Bulletin: Crowdfunding for Investors
Replies: 9
Views: 915

Re: Investor Bulletin: Crowdfunding for Investors

Hi Rick,

That is interesting and perhaps to rely to tell the investment risks to the general public.

In my opinion, investors have a hard enough time understanding very basic and simple investment strategy's without anything exotic like this.

Hopefully I am wrong!
by abuss368
Sat May 14, 2016 6:06 pm
Forum: Investing - Theory, News & General
Topic: Bond Index Funds - The turning tide from active
Replies: 45
Views: 3557

Re: Bond Index Funds - The turning tide from active

An interesting note however, is Vanguard's new active Core Bond Fund.
by abuss368
Sat May 14, 2016 6:05 pm
Forum: Investing - Theory, News & General
Topic: Bond Index Funds - The turning tide from active
Replies: 45
Views: 3557

Re: Bond Index Funds - The turning tide from active

Total Bond Index fund is an excellent investment. Vanguard now recommends a two fund bond approach that also includes Total International Bond Index.

Both funds are low cost, very diversified, no manager risk, no style risks, and simple.
by abuss368
Sat May 14, 2016 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: Investing using Rick Ferri's 4 core. Need execution help !
Replies: 18
Views: 1587

Re: Investing using Rick Ferri's 4 core. Need execution help !

The Core Four is an excellent investment portfolio that includes all os the major asset classes: stocks, bonds, real estate, and assuming you hold cash in a bank account.

This portfolio is low cost, very diversified, no manager risks, no style risks, and best of all simple and easy to manage.
by abuss368
Sat May 14, 2016 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: The Intelligent Investor
Replies: 12
Views: 1401

Re: The Intelligent Investor

The Intelligent Investor by Benjamin Graham is on sale for Amazon Kindle today for $2.99. Does anyone know if this is a good book that falls in line with boglehead thinking? It seems like a great deal, but I don't want to buy something if it's all about how to pick great stocks or other concepts I'...

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