Search found 638 matches

by elgob.bogle
Thu Sep 22, 2016 9:16 am
Forum: Investing - Theory, News & General
Topic: Conversion to ROTH
Replies: 18
Views: 1245

Re: Conversion to ROTH

US individual income taxpayers are currently enjoying a period http://taxfoundation.org/article/us-federal-individual-income-tax-rates-history-1913-2013-nominal-and-inflation-adjusted-brackets of historically low income tax rates. If you think that rates may go up in the future (e.g. as a way to fun...
by elgob.bogle
Sun Sep 18, 2016 8:59 pm
Forum: Investing - Theory, News & General
Topic: Goldman Sachs Wants To Lower Smart Beta Fee's
Replies: 9
Views: 819

Re: Goldman Sachs Wants To Lower Smart Beta Fee's

"dumb beta" ha! ha! ha!
+1

elgob
by elgob.bogle
Wed Sep 14, 2016 9:41 pm
Forum: Local Chapters and Bogleheads Community
Topic: I think I found Rick Ferri
Replies: 53
Views: 9800

Re: I think I found Rick Ferri

mhaley said "Looks like he skimped on the RV. He should have got a Long, Long Trailer." I don't think so. The problem with a long trailer is navigating the 'switchbacks' when going thru the mountains, and the lack of suitable campsites that will hold a larger RV. Speaking from experience, ...
by elgob.bogle
Mon Sep 12, 2016 9:27 pm
Forum: Investing - Theory, News & General
Topic: Presidential Election Insurance, Use T-Bills?
Replies: 65
Views: 3763

Re: Presidential Election Insurance, Use T-Bills?

Would not funds parked in the new mandatory brokerage money market sweep account serve your purpose?

elgob
by elgob.bogle
Sun Sep 11, 2016 6:55 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads' Rule of Thumb - Stocks vs Bonds
Replies: 103
Views: 11900

Re: Bogleheads' Rule of Thumb - Stocks vs Bonds

Michealseig wrote:
I wonder what happened to him.


Google "Adrain Nenu"

elgob
by elgob.bogle
Fri Sep 09, 2016 2:49 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle on Bloomberg 9-9-16
Replies: 15
Views: 1595

Re: Jack Bogle on Bloomberg today

Disregard - Every-Ready beat me to it!

elgob
by elgob.bogle
Fri Sep 09, 2016 2:48 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle on Bloomberg 9-9-16
Replies: 15
Views: 1595

Re: Jack Bogle on Bloomberg 9-9-16

Bump

elgob
by elgob.bogle
Fri Sep 09, 2016 2:47 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle on Bloomberg 9-9-16
Replies: 15
Views: 1595

Jack Bogle on Bloomberg today

[Thread merged into here, see below. --admin LadyGeek]

http://www.bloomberg.com/news/videos/20 ... cs-idiotic


Responding to the Marxist issue.

elgob
by elgob.bogle
Tue Sep 06, 2016 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella insurance?
Replies: 26
Views: 2521

Re: Umbrella insurance?

Bogle_feet: The scenario about the boat was something that I learned a number of years ago from the instructor when I took my boating safety course. I have not asked an insurance agent.

elgob
by elgob.bogle
Mon Sep 05, 2016 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella insurance?
Replies: 26
Views: 2521

Re: Umbrella insurance?

Boglefeet wrote: Note that it only covers personal related stuff. Nothing "business" related. So for example If you own a boat and take some friends out on a day trip and one buys the beer, one buys the gas, etc - you are technically doing something "for hire" as you have been co...
by elgob.bogle
Sat Aug 06, 2016 8:31 pm
Forum: Investing - Theory, News & General
Topic: Taking profit off table
Replies: 6
Views: 891

Re: Taking profit off table

Perhaps it is time to revisit your Investment Plan if you have "won the game". I changed mine when I retired, as mine had applied to accumulation. Now I am in the "preserve mode". Prior to the Great Recession, we used to have 90% - 95% equities. After the market recovered & r...
by elgob.bogle
Sat Jul 30, 2016 8:10 pm
Forum: Investing - Theory, News & General
Topic: How to switch between bonds / stocks to maximize profits
Replies: 23
Views: 1604

Re: How to switch between bonds / stocks to maximize profits

Her actions could be characterized as "re-balancing" if they are based on an Investment Plan, and "Market Timing" if they are not. Is she "all-in" with either stocks or bonds? I would not recommend that as a course of action. There is a rule of thumb range (25% - 75%) o...
by elgob.bogle
Mon Jul 04, 2016 2:52 am
Forum: Investing - Theory, News & General
Topic: A few questions [Tracking mutual fund prices vs. ETF]
Replies: 8
Views: 865

Re: A few questions

An easy way to do this during a trading day is to look at the 15-minute delay prices posted on Yahoo finance. For example, to get approximate net asset value for the Vanguard Total Stock Market (VTSMX/VTSAX) index funds, check on the price of VTI, their corresponding ETF. The percentage up or down i...
by elgob.bogle
Sun Jul 03, 2016 6:10 pm
Forum: Investing - Theory, News & General
Topic: VTIP etf [Vanguard Short-Term Inflation-Protected Securities]
Replies: 9
Views: 1132

Re: VTIP etf [Vanguard Short-Term Inflation-Protected Securities]

I've seen the NAV of my Vanguard Short Term Inflation Protected Bond Fund increase with the recent "rush to safety" over the "Brexit Issue". These are relatively safe Treasury bonds. The NAV may stay elevated above recent preBrexit levels, but I suspect that it will settle back d...
by elgob.bogle
Sat Jul 02, 2016 10:12 pm
Forum: Investing - Help with Personal Investments
Topic: $400,000 Roth Conversions Between Ages 66-69?
Replies: 109
Views: 11537

Re: $400,000 Roth Conversions Between Ages 66-69?

The Fairmark Forum is another good place to ask your questions: http://www.fairmark.com/forum/ FWIW, we don't have near your total portfolio, but we have about $1 M in our combined ROTH IRA's and anticipate about $1 M in our TIRA's when wife retires in 2 years. This will give us a 50:50 split on tax...
by elgob.bogle
Fri Jul 01, 2016 7:55 pm
Forum: Investing - Theory, News & General
Topic: Strategy for FIRL (Retiring Late!)
Replies: 11
Views: 1625

Re: Strategy for FIRL (Retiring Late!)

Physician on Fire - please define all of your FIRL, etc abbreviations. Thanks

elgob
by elgob.bogle
Wed Jun 29, 2016 4:44 pm
Forum: Investing - Theory, News & General
Topic: For those that "buy" during stock market downturns...
Replies: 158
Views: 10611

Re: For those that "buy" during stock market downturns...

Livesoft wrote "That's only for Flagship investors. For Dinghy investors like me, I can use another account." I am Flagship & I personally have two ROTH IRA accounts at Vanguard. In the past, I have been able to sell a mutual fund in one of them and then buy back the same mutual fund i...
by elgob.bogle
Fri Jun 24, 2016 3:26 am
Forum: Investing - Theory, News & General
Topic: Actionable advice in a Brexit scenario
Replies: 162
Views: 16949

Re: Actionable advice in a Brexit scenario

You could use the percentage change values for the ETFs VTI (US) & VXUS (x-US) late in the trading day to estimate the values of your corresponding mutual funds at the time and adjust accordingly. This will not be precise, but may be close enough.

elgob
by elgob.bogle
Mon Jun 13, 2016 5:32 pm
Forum: Investing - Theory, News & General
Topic: Actionable advice in a Brexit scenario
Replies: 162
Views: 16949

Re: Actionable advice in a Brexit scenario

So, with all of the above in mind, should someone (such as I), who is approaching/or at a re-balance threshold for Total International,contemplate re-balancing on the day before the "Brexit Vote", or wait and see?

elgob
by elgob.bogle
Thu Jun 02, 2016 6:40 am
Forum: Investing - Theory, News & General
Topic: Anyone Switched to Vanguard Account Upgrade?
Replies: 43
Views: 12863

Re: Anyone Switched to Vanguard Account Upgrade?

RelaxMore - welcome to the forum!

elgob
by elgob.bogle
Fri Apr 29, 2016 4:32 am
Forum: Investing - Theory, News & General
Topic: My Investment Policy Statement
Replies: 15
Views: 1655

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: 538

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: 5727

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: 1488

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: 1488

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: 1488

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: 1488

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: 4282

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: 6416

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: 1010

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: 1555

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: 4670

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: 43
Views: 6619

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: 1889

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: 1889

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: 72
Views: 8458

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: 910

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: 9565

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: 8086

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: 1919

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: 1825

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: 5450

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: 798

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: 5885

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: 4673

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: 7141

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: 825

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: 2509

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: 5818

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

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