Search found 651 matches

by elgob.bogle
Wed Nov 30, 2016 10:59 pm
Forum: Investing - Help with Personal Investments
Topic: VG tax exempt funds
Replies: 12
Views: 1104

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: 929

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: 1104

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: 4
Views: 670

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: 1104

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: 23
Views: 1673

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: 607

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: 957

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: 2771

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: 75
Views: 6257

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: 1190

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: 1057

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: 1382

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: 895

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: 10372

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: 4160

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: 12248

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: 1651

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: 1651

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: 1651

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: 2709

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: 2709

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: 920

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: 1688

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: 890

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: 1182

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: 12323

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: 1678

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: 10939

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: 17441

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: 17441

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: 13405

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: 1696

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: 550

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: 5871

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: 1529

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: 1529

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: 1529

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: 1529

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: 4347

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: 6497

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: 1033

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: 1576

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: 4744

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: 6970

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: 1917

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: 1917

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: 8623

Re: 2 Buckets or 3 Buckets in Retirement??

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

elgob

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