Search found 664 matches

by elgob.bogle
Tue Jan 31, 2017 12:07 pm
Forum: Investing - Theory, News & General
Topic: possible to reduce my holding of international with my setup
Replies: 5
Views: 489

Re: possible to reduce my holding of international with my setup

You didn't mention in what type of account your international holdings are. If in taxable, you could consider tax loss harvesting as a way to ease the sting of losses

elgob
by elgob.bogle
Sat Jan 21, 2017 1:52 pm
Forum: Investing - Theory, News & General
Topic: RMD question
Replies: 20
Views: 2541

Re: RMD question

You might want to read about his follow-up study: http://www.caniretireyet.com/the-best-r ... ng-deeper/


elgob
by elgob.bogle
Sun Jan 08, 2017 3:28 pm
Forum: Investing - Theory, News & General
Topic: WSJ - It's time for Fees to go even lower - Jason Zweig
Replies: 7
Views: 1601

Re: WSJ - It's time for Fees to go even lower - Jason Zweig

After reading the article, I am now looking forward to reading Warren Buffett's next shareholder letter.

elgob
by elgob.bogle
Wed Jan 04, 2017 8:38 am
Forum: Investing - Theory, News & General
Topic: A Funny Thing Happened at Vanguard on the way to our 2017 ROTH Contributions
Replies: 12
Views: 2756

Re: A Funny Thing Happened at Vanguard on the way to our 2017 ROTH Contributions

I checked this morning. Our balance in that account is $0.01. Perhaps we will just let it ride until next year. Our hope is that someone at Vanguard will pick up on this thread and remedy the situation.

elgob
by elgob.bogle
Tue Jan 03, 2017 4:10 pm
Forum: Investing - Theory, News & General
Topic: 10 Ways to Fend Off Medicare Surtaxes and Social Security Givebacks
Replies: 0
Views: 347

10 Ways to Fend Off Medicare Surtaxes and Social Security Givebacks

I found this article to be an interesting summary of tactics. http://www.forbes.com/sites/baldwin/201 ... 684dcf1a78 I am guessing that most BH do/plan to do these things already.

elgob
by elgob.bogle
Tue Jan 03, 2017 1:41 pm
Forum: Investing - Theory, News & General
Topic: Paying Vanguard (Roth) IRA transaction fees from a non-retirement account
Replies: 6
Views: 419

Re: Paying Vanguard (Roth) IRA transaction fees from a non-retirement account

Welcome to the forum! Could you convert your ROTH contribution amount to a Vanguard fund first, and then move $$ from this fund into your ROTH account?

elgob
by elgob.bogle
Tue Jan 03, 2017 1:19 pm
Forum: Investing - Theory, News & General
Topic: Champion of 401K Lament the Revolution they Started
Replies: 75
Views: 4694

Re: Champion of 401K Lament the Revolution they Started

This "I would gladly keep all of my fica and medicare tax and invest on my own in 401k."

elgob
by elgob.bogle
Mon Jan 02, 2017 9:55 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1288
Views: 210474

Re: What are you up YTD? [Year To Date]

Up 8.7% in 2016. Broke even last year, so our 2-year performance is "not-so-good". We have a bond-heavy portfolio.

elgob
by elgob.bogle
Mon Jan 02, 2017 9:29 am
Forum: Investing - Theory, News & General
Topic: A Funny Thing Happened at Vanguard on the way to our 2017 ROTH Contributions
Replies: 12
Views: 2756

A Funny Thing Happened at Vanguard on the way to our 2017 ROTH Contributions

In late December 2016, we transferred via check from our credit union, a total of $13k to a joint Vanguard money market account. The purpose of this transfer was to have funds ready for exchange/purchase of $6500 in mutual funds in each of our ROTH IRA accounts on the first day of business (January ...
by elgob.bogle
Sun Dec 11, 2016 11:58 am
Forum: Investing - Theory, News & General
Topic: Jason Zweig - Ben Graham speech
Replies: 16
Views: 4444

Re: Jason Zweig - Ben Graham speech

Thank you CyberBob for reviving this thread.

elgob
by elgob.bogle
Sun Dec 11, 2016 11:38 am
Forum: Investing - Theory, News & General
Topic: Traditional IRA to Roth for tax deduction
Replies: 3
Views: 307

Re: Traditional IRA to Roth for tax deduction

I have done several IRA to ROTH rollovers. All I had to do was ask the custodian (Vanguard) to do it for me. When you put money in a ROTH IRA, it is after tax money. When rolling an account, it is best to use cash from a taxable account to pay the taxes. I used the quarterly IRS estimated taxes for ...
by elgob.bogle
Wed Nov 30, 2016 10:59 pm
Forum: Investing - Help with Personal Investments
Topic: VG tax exempt funds
Replies: 12
Views: 1210

Re: VG tax exempt funds

The short answer is yes.

elgob
by elgob.bogle
Wed Nov 30, 2016 10:56 pm
Forum: Investing - Help with Personal Investments
Topic: New Investor's Late to Retirement Portfolio Help
Replies: 15
Views: 1104

Re: New Investor's Late to Retirement Portfolio Help

WELCOME to the forum. Your questions are way over my head. Consider PM to Larry Swedroe.

elgob
by elgob.bogle
Wed Nov 30, 2016 10:43 pm
Forum: Investing - Help with Personal Investments
Topic: VG tax exempt funds
Replies: 12
Views: 1210

Re: VG tax exempt funds

For intermediate term, 5 years to break even for a one-time rate hike. Spouse expects to retire in 3 years, which will require some expenditures (new vehicle, etc), which is why I am invested in Limited Term TE bonds instead of Intermediate Term. It is called "Duration Matching". If you do...
by elgob.bogle
Wed Nov 30, 2016 10:23 pm
Forum: Investing - Help with Personal Investments
Topic: New investor with $150k cash seeking Boglehead wisdom (self-employed)
Replies: 9
Views: 1585

Re: New investor with $150k cash seeking Boglehead wisdom (self-employed)

If I was your age, I would convince GF to move to the Dakotas, especially South Dakota, which has the lowest tax rates. In fact, if you "Google" South Dakota Residency (or similar) you will find a number of sites that offer South Dakota Residency Application packages for a nominal fee. I a...
by elgob.bogle
Wed Nov 30, 2016 10:12 pm
Forum: Investing - Help with Personal Investments
Topic: VG tax exempt funds
Replies: 12
Views: 1210

Re: VG tax exempt funds

We have Limited-Term Tax Exempt Admiral Funds also and are "staying the course". The duration of this fund is two years, which translates to if a one-time interest increase occursa, it will take about 2 years for the increased interest payments to put me/you back to "even". Paral...
by elgob.bogle
Wed Nov 30, 2016 9:58 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones to Vanguard - about to make the move
Replies: 46
Views: 4370

Re: Edward Jones to Vanguard - about to make the move

Are there any penalties for getting out of your current funds?

elgob
by elgob.bogle
Wed Nov 30, 2016 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: New Company New (bad) Plan - Suggestions, Please?
Replies: 9
Views: 746

Re: New Company New (bad) Plan - Suggestions, Please?

I know that htis does not resolve your issues, but consider contributing up to any match, and then put the rest in an IRA/ROTH IRA at Vanguard where you can pick and choose.

elgob
by elgob.bogle
Wed Nov 30, 2016 9:35 pm
Forum: Investing - Help with Personal Investments
Topic: Help me sell our TIPS
Replies: 11
Views: 1066

Re: Help me sell our TIPS

This Fund's TIPS allocation is worth considering: Vanguard Target Retirement Income Fund composition as of 10/31/2016 Total Bond Market Index Fund 37.3% Total International Bond Index Fund 15.9% Short-Term Inflation-Protected Securities Index Fund 16.8% Total Stock Market Index Fund 18.0% Total Inte...
by elgob.bogle
Sat Nov 26, 2016 8:07 am
Forum: Investing - Theory, News & General
Topic: Composition of US National Debt
Replies: 28
Views: 3536

Re: Composition of US National Debt

"Google" is your friend! Try starting here: https://en.wikipedia.org/wiki/National_ ... ted_States

elgob
by elgob.bogle
Tue Nov 22, 2016 3:31 pm
Forum: Investing - Theory, News & General
Topic: What was your Asset Allocation before and after retirement?
Replies: 91
Views: 9670

Re: What was your Asset Aloocation before and after retirement?

I was at "age in bonds" when I retired 5 years ago, and I am still at "age in bonds". Have been reducing equity position about 1% per year.

elgob
by elgob.bogle
Sat Nov 19, 2016 9:59 pm
Forum: Investing - Theory, News & General
Topic: Buy bonds during selloff?
Replies: 4
Views: 1225

Re: Buy bonds during selloff?

Welcome to the forum. Sounds like you are on a glide path to reduce your equity position as you age. I did that myself. Now is a good time to buy bonds, but so was yesterday and so will be tomorrow, assuming that you would be making a change in your AA and not just timing the market. I just bought s...
by elgob.bogle
Tue Nov 01, 2016 4:29 pm
Forum: Investing - Theory, News & General
Topic: Talk on Financial Literacy to College Students
Replies: 27
Views: 1223

Re: Talk on Financial Literacy to College Students

A handout with a few definitions such as these may be helpful:
https://quizlet.com/16342942/personal-f ... ash-cards/

elgob
by elgob.bogle
Thu Sep 22, 2016 9:16 am
Forum: Investing - Theory, News & General
Topic: Conversion to ROTH
Replies: 18
Views: 1543

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: 955

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: 10964

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: 4500

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: 12729

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: 1805

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: 1805

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: 1805

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: 2881

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: 2881

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: 967

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: 1766

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: 937

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: 1269

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: 133
Views: 16940

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: 1768

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: 11364

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: 18021

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: 18021

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: 48
Views: 14998

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: 1742

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: 590

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: 6129

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

Go to advanced search