Search found 617 matches

by elgob.bogle
Fri Apr 29, 2016 4:32 am
Forum: Investing - Theory, News & General
Topic: My Investment Policy Statement
Replies: 10
Views: 1009

Re: My Investment Policy Statement

Since you have such a long horizon, if you haven't done so already, you might want to check out historic Federal Income Tax ranges. Here is one source: http://taxfoundation.org/article/us-federal-individual-income-tax-rates-history-1913-2013-nominal-and-inflation-adjusted-brackets After reviewing th...
by elgob.bogle
Tue Apr 26, 2016 9:14 pm
Forum: Investing - Help with Personal Investments
Topic: Rolling wife's 403b to Vanguard IRA---any reason not to?
Replies: 8
Views: 465

Re: Rolling wife's 403b to Vanguard IRA---any reason not to?

I can't think of any reason not to. We plan to roll my wife's Fidelity 403b account into a rollover IRA at Vanguard as soon as she retires.

elgob
by elgob.bogle
Fri Apr 15, 2016 7:48 am
Forum: Investing - Theory, News & General
Topic: Fidelity Spartan 500 Index Fund Dividend
Replies: 73
Views: 4903

Re: Fidelity Spartan 500 Index Fund Dividend

Mark98 - Welcome to the forum. FWIW Fidelity's FXSIX (Total US Market Fund) last distributed a dividend on 13 Jan 2016. Today is only the 15th.

elgob
by elgob.bogle
Fri Apr 15, 2016 7:26 am
Forum: Investing - Theory, News & General
Topic: TIP 5-yr Indicative Yield -.323 today
Replies: 12
Views: 1392

Re: TIP 5-yr Indicative Yield -.323 today

FWIW - Vanguard lists (8:20 AM EST 15 Apr 2016) "Indicative Yield" at -.295

elgob
by elgob.bogle
Thu Apr 14, 2016 4:38 pm
Forum: Investing - Theory, News & General
Topic: TIP 5-yr Indicative Yield -.323 today
Replies: 12
Views: 1392

Re: TIP 5-yr Indicative Yield -.323 today

Vanguard. Just log in and find treasury Auctions. I assumed that it reflected the actual Treasury Direct values.

elgob
by elgob.bogle
Thu Apr 14, 2016 4:06 pm
Forum: Investing - Theory, News & General
Topic: TIP 5-yr Indicative Yield -.323 today
Replies: 12
Views: 1392

Re: TIP 5-yr Indicative Yield -.323 today

At 5:00 pm EST the 'indicative Yield' had risen to -.300

elgob
by elgob.bogle
Thu Apr 14, 2016 12:04 pm
Forum: Investing - Theory, News & General
Topic: TIP 5-yr Indicative Yield -.323 today
Replies: 12
Views: 1392

TIP 5-yr Indicative Yield -.323 today

Just checked (1:00 pm 14 Apr 2016 ) on the "indicative yield" of 5-Year TIPS scheduled for auction next week. It is -.323. This seems pretty low to me. Comments?

elgob
by elgob.bogle
Tue Apr 12, 2016 7:14 am
Forum: Investing - Theory, News & General
Topic: ‪"Lessons From the Great Minds of Investing‬"
Replies: 26
Views: 3881

Re: ‪"Lessons From the Great Minds of Investing‬"

Excellent talk! Thanks for the link!

elgob
by elgob.bogle
Sun Apr 10, 2016 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: The 'cost' of retiring early. what's wrong with my math?
Replies: 36
Views: 6054

Re: The 'cost' of retiring early. what's wrong with my math?

Celia said: "In addition, if you are married for at least 10 years to the same person when you start SS, the spouse (at his/her FRA) can take 1/2 of the higher person's FRA SS." Will this still be true after April 29, 2016 if not already eligible by then?

elgob
by elgob.bogle
Sat Apr 02, 2016 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: Reinvest in taxable, when?
Replies: 11
Views: 951

Re: Reinvest in taxable, when?

If you haven't filled up your ROTH space for the year, now might be a good time to move taxable money to it.

elgob
by elgob.bogle
Sat Apr 02, 2016 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: Money From Heaven: Pension Rollover Question & More
Replies: 12
Views: 1461

Re: Money From Heaven: Pension Rollover Question & More

Consider a Custodian to Custodian Transfer. When I retired, I was obligated to leave my lump sum distribution with my employer for 90 days, after which the funds were transferred directly to Vanguard. The bonus was Vanguard did all of the work. I just set up a Rollover IRA account with them and gave...
by elgob.bogle
Fri Apr 01, 2016 8:56 pm
Forum: Investing - Theory, News & General
Topic: Mr. Bogle and Global Corruption Crackdown
Replies: 32
Views: 4369

Re: Mr. Bogle and Global Corruption Crackdown

"Mr. Bogle recommends not investing in foreign markets because: (1) He doesn't envision the world economies outpacing the U.S. in terms of investment return in the future. Mr. Bogle stated the U.S. is the most innovative and entrepreneurial country in the world. (2) If you own the S&P 500 (...
by elgob.bogle
Fri Apr 01, 2016 8:50 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 28
Views: 3412

Re: Jack Bogle - Two Fund Portfolio

Please cite reference. Thanks.

elgob
by elgob.bogle
Thu Mar 31, 2016 7:09 am
Forum: Investing - Help with Personal Investments
Topic: I could use a retirement plan overview
Replies: 15
Views: 1775

Re: I could use a retirement plan overview

I should have added that there is a preferred order of where to invest. The general idea is to contribute to a ROTH IRA until you have it full, and then switch to 403b/401k/457b plans if you do not get an employer match. See this and other similar topics: https://www.bogleheads.org/forum/viewtopic.p...
by elgob.bogle
Wed Mar 30, 2016 10:56 pm
Forum: Investing - Help with Personal Investments
Topic: I could use a retirement plan overview
Replies: 15
Views: 1775

Re: I could use a retirement plan overview

Welcome to the forum! Consider investing in a ROTH IRA up to the max if you can't get a match. You will have much more flexibility.

elgob
by elgob.bogle
Wed Mar 30, 2016 8:35 am
Forum: Investing - Help with Personal Investments
Topic: 2 Buckets or 3 Buckets in Retirement??
Replies: 65
Views: 6358

Re: 2 Buckets or 3 Buckets in Retirement??

The Wizard coined the term "A pure bucketeer" . Catchy! :sharebeer

elgob
by elgob.bogle
Wed Mar 30, 2016 6:58 am
Forum: Investing - Theory, News & General
Topic: Understanding the impact of ROTH
Replies: 4
Views: 842

Re: Understanding the impact of ROTH

A secondary consideration of less weight is that ROTH money spent is not counted as income like TIRA money is when figuring Medicare Part B charges. For example, if you withdraw $30,000 from a Traditional IRA each year, that will boost your Part B payments. If you withdraw $30k from a ROTH IRA, it w...
by elgob.bogle
Mon Mar 28, 2016 2:57 pm
Forum: Investing - Theory, News & General
Topic: Financial burnout
Replies: 65
Views: 9003

Re: Financial burnout

We paid off a 15 year mortgage and a small college loan in 6 years. We then invested half of the accelerated monthly mortgage payment amount and spent the other half on travel beginning in 1990. We haven't stopped traveling and investing!

elgob
by elgob.bogle
Sat Mar 26, 2016 10:08 pm
Forum: Investing - Theory, News & General
Topic: TIPS Anyone?
Replies: 92
Views: 7361

Re: TIPS Anyone?

We hold about half of our fixed income in a 10-year TIPS Ladder. We don't plan to change that, but are considering adding (like others have done) a short-term tips fund into which we would direct our TIPS bond dividends (if it will still be possible later this year). All of this is in our ROTH IRA's...
by elgob.bogle
Thu Mar 24, 2016 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: Spouse contributing to my Roth question
Replies: 25
Views: 1752

Re: Spouse contributing to my Roth question

We've been doing exactly what you are asking about for the last 4 years since I retired. In our case, we send the funds to a joint taxable account at Vanguard in December of each year. On the first trading day of the following year, we move funds from our joint account to our individual ROTH IRA acc...
by elgob.bogle
Tue Mar 22, 2016 9:17 pm
Forum: Investing - Theory, News & General
Topic: What webs do you use to get financial information on your portfolio?
Replies: 14
Views: 1695

Re: What webs do you use to get financial information on your portfolio?

For market timing - check out "The Bloomberg" & "Jim Cramer""

elgob
by elgob.bogle
Tue Mar 22, 2016 9:16 pm
Forum: Investing - Theory, News & General
Topic: The Rarely Noted "Real Returns"
Replies: 45
Views: 5124

Re: The Rarely Noted "Real Returns"

Well Done - Thanks!

elgob
by elgob.bogle
Tue Mar 22, 2016 4:06 pm
Forum: Investing - Theory, News & General
Topic: Article: Six Questions with John Bogle
Replies: 2
Views: 753

Re: Article: Six Questions with John Bogle

Thanks for the link!

elgob
by elgob.bogle
Sun Mar 13, 2016 7:16 pm
Forum: Investing - Theory, News & General
Topic: Late Starters
Replies: 61
Views: 5496

Re: Late Starters

Married in Spring 1982 (me age 35, spouse age 28) when graduate students (both have MS degrees, graduated Dec 1982) . Didn't start saving until May 1983 when we finally landed decent jobs. Decided that we did not want to work all of our lives. Also decided that "no matter what", we would s...
by elgob.bogle
Fri Mar 11, 2016 6:59 pm
Forum: Investing - Theory, News & General
Topic: Your stock funds closed at highest [so far] of 2016 today
Replies: 35
Views: 4447

Re: Your stock funds closed at highest [so far] of 2016 today

Well, I just surpassed my peak portfolio amount that occurred on 24 April 2015. I am still down by 2 max ROTH contributions and almost an entire 401k contribution plus elderly bonus amounts for both ($37,000 total) since that date. This does not include the fact that we have made no $$ on our invest...
by elgob.bogle
Wed Mar 09, 2016 2:46 pm
Forum: Investing - Theory, News & General
Topic: "Monitor Your Portfolio Once This Year, Then Ignore It"
Replies: 53
Views: 6727

Re: "Monitor Your Portfolio Once This Year, Then Ignore It"

Ditto what the "frequent peekers" have said. Add to that the need to work with Vanguard Brokerage when building TIPS or other bond ladders.

elgob
by elgob.bogle
Sat Jan 30, 2016 9:51 pm
Forum: Investing - Theory, News & General
Topic: Correct TIPS Auction Price
Replies: 9
Views: 768

Re: Correct TIPS Auction Price

Vanguard listed $99.04 as the price that I paid per unit thru its Brokerage Services. More precisely $99.0406.

elgob
by elgob.bogle
Wed Jan 27, 2016 11:29 pm
Forum: Investing - Theory, News & General
Topic: Entire Portfolio Expense Ratio
Replies: 41
Views: 2285

Re: Entire Portfolio Expense Ratio

Ours is currently .0446 overall. We have a a lot of TIPS bonds in a ROTH IRA at Vanguard which have no fees - Fidelity Spartan S&P 500 (FXSIX) .05 - Vanguard Total US Equity (VTI) at .05 - Vanguard Short-term Municipal Bond Fund (VWSUX) at .12 - Fidelity Spartan Institutional Total Bond Market (...
by elgob.bogle
Mon Jan 25, 2016 12:23 am
Forum: Investing - Theory, News & General
Topic: What is Your Bond Allocation & Location
Replies: 48
Views: 5342

Re: What is Your Bond Allocation & Location

Retired - age 67 Fixed Income portion of portfolio: 63% in 10-year TIPS ladder (in ROTH IRA), 32% in Intermediate Term Total Bond Market Fund (in Traditional IRA), 5% in Intermediate Term Municipal Bond Fund (in Taxable Account)

elgob.bogle
by elgob.bogle
Tue Dec 01, 2015 3:29 pm
Forum: Investing - Theory, News & General
Topic: Fed ends 'too big to fail' lending to collapsing banks
Replies: 7
Views: 1445

Re: Fed ends 'too big to fail' lending to collapsing banks

ResearchMed said "Vanguard is putting back general access to the Federal MM fund".

I just checked and it appears closed. Did I miss an announcement?

elgob
by elgob.bogle
Wed Nov 04, 2015 4:35 pm
Forum: Investing - Theory, News & General
Topic: Why is the expense ratio .16 for the Prime MM?
Replies: 13
Views: 1977

Re: Why is the expense ratio .16 for the Prime MM?

Spouse's equivalent fund at Fidelity (FRTXX) has an ER of .42. Why? I think it is "because they can!".

elgob
by elgob.bogle
Wed Nov 04, 2015 9:49 am
Forum: Investing - Theory, News & General
Topic: Why separate Roth Conversions?
Replies: 5
Views: 758

Re: Why separate Roth Conversions?

It used to be OK with vanguard (at least they didn't complain) to sell a mutual fund in one ROTH and buy it back in another ROTH the next day, without penalty, if there was a minimum holding period to prevent "return trip" activity. This could benefit short term holders and those that make...
by elgob.bogle
Fri Sep 18, 2015 10:26 pm
Forum: Investing - Help with Personal Investments
Topic: VT and BND
Replies: 16
Views: 2096

Re: VT and BND

I believe that it would be more efficient for you to hold all 10% of your bonds in your Roth IRA account. See the Wiki for more information on tax efficient placement of investments. http://www.bogleheads.org/wiki/Principl ... _placement

elgob
by elgob.bogle
Thu Sep 17, 2015 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: VT and BND
Replies: 16
Views: 2096

Re: VT and BND

Recommend that you consider selling you company stock periodically. Remember how Enron employees ended up with their company stock.

elgob
by elgob.bogle
Thu Sep 17, 2015 8:19 pm
Forum: Investing - Help with Personal Investments
Topic: Does my portfolio make zero sense (in its current state)?
Replies: 12
Views: 1020

Re: Does my portfolio make zero sense (in its current state)?

Welcome to the forum. What you are doing makes perfect sense. When you are young and just starting out with investments, 100% or nearly 100% equities is usually recommended. Over time, the % of equities should go down and the % of fixed income should go up. Good luck.

elgob
by elgob.bogle
Wed Sep 09, 2015 8:20 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffett Says Don’t Make Investment Decision Based on the Fed
Replies: 6
Views: 1253

Re: Warren Buffett Says Don’t Make Investment Decision Based on the Fed

Thanks for the link. He sounds like Boglehead in this interview. I wonder if he ever visits this site?

elgob
by elgob.bogle
Mon Aug 31, 2015 6:28 am
Forum: Investing - Help with Personal Investments
Topic: What happens when a Brokered CD matures?
Replies: 3
Views: 445

Re: What happens when a Brokered CD matures?

Thanks for your replies.

elgob
by elgob.bogle
Sun Aug 30, 2015 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: What happens when a Brokered CD matures?
Replies: 3
Views: 445

What happens when a Brokered CD matures?

I have a 2-year ladder consisting of four Brokered CD's held in a Vanguard Brokerage account. At maturity, will the purchase price of each of these CD's automatically be added to my sweep account like the interest payments are? Will I need to take any kind of action at maturity? Please advise as I c...
by elgob.bogle
Tue Jul 07, 2015 8:46 pm
Forum: Investing - Theory, News & General
Topic: How aggressive are you in Taxable?
Replies: 37
Views: 3615

Re: How aggressive are you in Taxable?

We have 5 years worth of joint annual ROTH IRA contributions ($13,500 x 5) invested Vanguard's Short Term Municipal Bond fund in our taxable account which will hopefully cover contributions for the next 5 years until spouse retires. The dividends are directed to Vanguard's Tax Exempt money market fu...
by elgob.bogle
Tue Jul 07, 2015 8:31 pm
Forum: Investing - Theory, News & General
Topic: TIPS vs. Short Term Bond Funds
Replies: 17
Views: 2123

Re: TIPS vs. Short Term Bond Funds

Your question is above my pay grade. However, the duration 2.8 years that noted is the "point of indifference", i.e. the estimated number of years that it would take to recoup your investment with a one time rise in interest rates. If there is a series of step increases, such as many are e...
by elgob.bogle
Tue Jul 07, 2015 8:11 pm
Forum: Investing - Theory, News & General
Topic: Why are US Gov Bond Yields Higher than German?
Replies: 13
Views: 1733

Re: Why are US Gov Bond Yields Higher than German?

I have been hearing some Bloomberg folks profess that it is because it is simply easier/more desirable to buy bonds in one's own country than bonds in th international market. Sound familiar?

elgob
by elgob.bogle
Tue Jul 07, 2015 8:03 pm
Forum: Investing - Theory, News & General
Topic: TIPS vs. Short Term Bond Funds
Replies: 17
Views: 2123

Re: TIPS vs. Short Term Bond Funds

In response to one of your questions - TIPS are insurance against "unexpected inflation". As you noted, expected inflation is baked into the price of both TIPS and nominal treasuries. The FED's target rate is 2% inflation. Let's assume that expected inflation is 2%. If the Fed can hold inf...
by elgob.bogle
Tue May 05, 2015 10:14 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Extended Market Index Fund
Replies: 6
Views: 1033

Re: Fidelity Extended Market Index Fund

The extended market fund compliments the S&P 500 fund. It also tends to be more volatile because of the small & mid-cap stocks it contains. DW has both funds in her 401k account & invests S&P500:Extended Market at a 4:1 ratio. If you go to Morningstar's Instant X-Ray tool and enter t...
by elgob.bogle
Tue Apr 28, 2015 8:24 pm
Forum: Investing - Theory, News & General
Topic: 5 year tips auction: TBA 4/16/2015 Neg 0.480 Yield?
Replies: 8
Views: 1393

Re: 5 year tips auction: TBA 4/16/2015 Neg 0.480 Yield?

OOPS! Thanks for the correction!

elgob
by elgob.bogle
Fri Apr 24, 2015 12:02 pm
Forum: Local Chapters and Bogleheads Community
Topic: Tampa Bay Local Bogleheads Chapter
Replies: 60
Views: 7047

Re: Tampa, FL Chapter

Tampaite - at the time, a policeman from Clearwater named Adrian Nenu was heavily involved with the SW FL Chapter. The meeting was conducted pretty much like he described in this thread: https://www.bogleheads.org/forum/viewtopic.php?f=9&t=64383 I remember it was a long round trip, and I didn't ...
by elgob.bogle
Thu Apr 23, 2015 8:34 pm
Forum: Investing - Help with Personal Investments
Topic: vanguard making changes to asset allocation
Replies: 2
Views: 637

Re: vanguard making changes to asset allocation

This topic has bee discussed , mostly in the Theory sub-forum. Try using the search engine (top right). Also see the discussion concerning Rick Ferri & International Funds http://www.bogleheads.org/forum/viewtop ... 0&t=154400

elgob
by elgob.bogle
Thu Apr 23, 2015 2:40 pm
Forum: Local Chapters and Bogleheads Community
Topic: Tampa Bay Local Bogleheads Chapter
Replies: 60
Views: 7047

Re: Tampa, FL Chapter

I'm in Tampa & would go to local meetings. The SW FL chapter is kinda inactive. I went to one meeting at The Villages in Lake County a few years ago, and it was fun.

elgob
by elgob.bogle
Thu Apr 23, 2015 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: TIRA conversion to Roth
Replies: 2
Views: 274

Re: TIRA conversion to Roth

Read about Recharacterization on the Wiki https://www.bogleheads.org/wiki/IRA_recharacterization

elgob

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