Search found 3202 matches

by iceport
Sat Aug 19, 2017 12:30 pm
Forum: Investing - Theory, News & General
Topic: How Might Bogle View Proxy Vote Prop 7? Here's a Hint.
Replies: 9
Views: 1643

Re: How Might Bogle View Proxy Vote Prop 7? Here's a Hint.

bump... revised OP to reflect additional information on Bogle's perspective.
by iceport
Fri Aug 18, 2017 2:40 pm
Forum: Investing - Theory, News & General
Topic: How Might Bogle View Proxy Vote Prop 7? Here's a Hint.
Replies: 9
Views: 1643

How Might Bogle View Proxy Vote Prop 7? Here's a Hint.

The current Vanguard proxy vote includes a unique proposal: Proposal 7 — A shareholder proposal to institute transparent procedures to avoid holding investments in companies that, in management’s judgement, substantially contribute to genocide or crimes against humanity, the most egregious violation...
by iceport
Fri Aug 18, 2017 2:09 pm
Forum: Investing - Theory, News & General
Topic: "Vanguard fund shareholders encouraged to vote as proxy campaign gets under way."
Replies: 69
Views: 8117

Re: "Vanguard fund shareholders encouraged to vote as proxy campaign gets under way."

The REIT proposal is very important as it fundamentally changes the REIT Index Fund from REITs to Real Estate: Vanguard is proposing to add real estate development and management companies to this fund. I voted no. Before I would vote no on this question, I would want to know how how constrained th...
by iceport
Wed Aug 16, 2017 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone planning on never retiring?
Replies: 132
Views: 8304

Re: Anyone planning on never retiring?

Howdy I retired about 18 months ago. I don't think I got stupid - but since I am enjoying a second childhood, like a nine year on an extended summer vacation it may look like that to someone still employed. And vice versa :twisted: When does school start back? W B I retired 5 months ago, and I can ...
by iceport
Wed Aug 16, 2017 10:08 pm
Forum: Investing - Theory, News & General
Topic: What a Low Return Outlook Means for Your Retirement?
Replies: 42
Views: 5060

Re: What a Low Return Outlook Means for Your Retirement?

Another way: https://www.gmo.com/docs/default-source/research-and-commentary/strategies/asset-allocation/who-ate-joe-s-retirement-money-sequence-risk-and-its-insidious-drag-on-retirement-wealth-.pdf?sfvrsn=20 https://www.gmo.com/docs/default-source/research-and-commentary/strategies/asset-allocatio...
by iceport
Wed Aug 16, 2017 9:54 pm
Forum: Investing - Help with Personal Investments
Topic: Variable Annuities for 62 Y/O
Replies: 14
Views: 998

Re: Variable Annuities for 62 Y/O

Can somebody give me advice on if variable annuities are good or not? I'm 62, I'm retired, I have 200,000 in my 401k, I'm single and I have a pension of about $1,000/month. Unsure what to do. Please help! Run! Don't walk, run. boglebob3000, I highly recommend Jane Bryant Quinn's How to Make Your Mo...
by iceport
Wed Aug 16, 2017 11:30 am
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 407
Views: 55578

Re: Forum software upgrade bug reports and change requests

LadyGeek wrote:
Tue Aug 15, 2017 6:01 pm
To those with the problem, have email notifications resumed?
I wouldn't call them "resumed." Yesterday (Tuesday) morning I received two notices from Sunday, two days late. I have yet to receive any from Monday, and it's now Wednesday.
by iceport
Tue Aug 15, 2017 5:10 pm
Forum: Investing - Theory, News & General
Topic: REITs a disappointment, yet still useful
Replies: 19
Views: 2516

Re: REITs a disappointment, yet still useful

On the other hand, VNQI (Vanguard Global RE ETF) is up 17% YTD. 5 yr returns for VNQ and VNQI are are in the 8-9% range Yes, exactly. I've split my 10% REIT allocation evenly between VGSNX (the institutional class) and VNQI (Vanguard Global ex-U.S. Real Estate). Much of the non-correlation is proba...
by iceport
Mon Aug 14, 2017 5:57 pm
Forum: Personal Consumer Issues
Topic: Retired Boglehead obsession with money- devil's advocate
Replies: 66
Views: 6855

Re: Retired Boglehead obsession with money- devil's advocate

I'm playing devil's advocate here. I'm addressing this to what I think is representative of many self-proclaimed retired "Bogleheads" who have won the game. And by winning the game, I don't mean the extremely rich. But rather those, after working hard all their lives for a happy retirement, shouldn...
by iceport
Mon Aug 14, 2017 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: Do you manage your asset allocation like a Target Fund?
Replies: 20
Views: 1389

Re: Do you manage your asset allocation like a Target Fund?

rgs92 wrote:
Mon Aug 14, 2017 11:42 am
Do you adjust your asset allocation as you age like a target fund does? Why or why not?
(This assumes that you don't use target funds for the bulk of your retirement portfolio.)
Thank you.
Nope! See here, explained in more detail here.

Image
by iceport
Mon Aug 14, 2017 11:51 am
Forum: Investing - Theory, News & General
Topic: What a Low Return Outlook Means for Your Retirement?
Replies: 42
Views: 5060

Re: What a Low Return Outlook Means for Your Retirement?

Kitces has completed analyses which incorporate valuations into appropriate historic safe withdrawal rates. Thank you for that, willthrill81 ! I hadn't seen it before, though I've read many of Kitces' later articles. Michael Kitces is really adding enormous value to this area of research. More impo...
by iceport
Mon Aug 14, 2017 11:11 am
Forum: Investing - Help with Personal Investments
Topic: Bitcoin
Replies: 121
Views: 7268

Re: Bitcoin

I personally think investing is gambling. Agreed. And gambling is investing. We often see the following position in this forum: only Boglehead-style investing counts as real investing, whereas everything else is simply "speculating". I've wrongly perpetuated this falsehood myself, but I know now th...
by iceport
Mon Aug 14, 2017 10:55 am
Forum: Investing - Theory, News & General
Topic: What a Low Return Outlook Means for Your Retirement?
Replies: 42
Views: 5060

Re: What a Low Return Outlook Means for Your Retirement?

[...]I'm not entirely convinced of the methods they used to model future returns or examine sequence of returns. They also assume that valuations remain at their current levels, which is not an appropriate assumption IMHO. They could come down if earnings go up and prices do not, which would presum...
by iceport
Sun Aug 13, 2017 10:04 pm
Forum: Personal Consumer Issues
Topic: Tub/shower/bath cleaners...your recommended products?
Replies: 19
Views: 1679

Re: Tub/shower/bath cleaners...your recommended products?

After trying many things I've found that a foaming Clorox spray used about once a week eliminates it, even from the shower curtain. How do you get the Clorox to "foam?" Is it a certain product? Foaming Clorox spray is a commercial product: https://www.clorox.com/products/clorox-bleach-foamer/ Thanks!
by iceport
Sun Aug 13, 2017 10:03 pm
Forum: Investing - Theory, News & General
Topic: It's easy to have an investment plan until you get punched in the face
Replies: 53
Views: 6517

Re: It's easy to have an investment plan until you get punched in the face

I thought this was a terribly garbled article. Everyone’s a ‘Buy and Hold’ Investor Now. But Can You Stay That Way? Unless you read it carefully — and probably unless you already knew its ultimate message — you could easily be misled. For the first half of the article, there is a case made that mark...
by iceport
Sun Aug 13, 2017 7:51 pm
Forum: Personal Consumer Issues
Topic: Tub/shower/bath cleaners...your recommended products?
Replies: 19
Views: 1679

Re: Tub/shower/bath cleaners...your recommended products?

invst65 wrote:
Sun Aug 13, 2017 2:41 pm
After trying many things I've found that a foaming Clorox spray used about once a week eliminates it, even from the shower curtain.
How do you get the Clorox to "foam?" Is it a certain product?
by iceport
Sun Aug 13, 2017 7:46 pm
Forum: Investing - Help with Personal Investments
Topic: REIT
Replies: 52
Views: 3190

Re: REIT

Is there something I am missing? Yes, that stocks are risky. That means they can — and frequently do — lose value. The trick is to establish target allocations for all your assets and hold them for the long term, re-balancing as needed. If you are not committed to holding stocks for the long term*,...
by iceport
Sun Aug 13, 2017 7:35 pm
Forum: Investing - Help with Personal Investments
Topic: AA Question on 3 fund
Replies: 6
Views: 470

Re: AA Question on 3 fund

Question: what I am learning is you have to decide if the better return is worth the risk. And is the return in the 60/40 worth the higher stdev. Also, more than double in worse year. I'm I looking at this correctly?? Without checking your numbers (the worst year losses look light to me at a glance...
by iceport
Sun Aug 13, 2017 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: One more year [to retire]
Replies: 23
Views: 2505

Re: One more year [to retire]

Here is my question for nomad and the other early retires....what do you do for health care? That's an excellent question, Ed. In my case, I am able to maintain group coverage through my former employer, at a similar cost as when I was working. Had that not been the case, retirement this early woul...
by iceport
Sun Aug 13, 2017 11:37 am
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 407
Views: 55578

Re: Forum software upgrade bug reports and change requests

I noticed the list of registered users who are logged in, previously visible at the bottom of each page, is no longer visible without being logged in. Is that a setting that will be reset, or is that just the way it will be after the upgrade? I didn't change anything, so I'm guessing it's a new fea...
by iceport
Sun Aug 13, 2017 11:19 am
Forum: Personal Finance (Not Investing)
Topic: One more year [to retire]
Replies: 23
Views: 2505

Re: One more year

I find that as I get older, the variety of things I can do other than work (mostly athletic) seems to be declining. I'm very curious what people intend to do in retirement. When I was 20 I thought retirement would be awesome. Now I'm wary of it. I'm pretty sure once I don't have to work, I'll be in...
by iceport
Sun Aug 13, 2017 11:14 am
Forum: Personal Finance (Not Investing)
Topic: One more year [to retire]
Replies: 23
Views: 2505

Re: One more year

My first post to Bogleheads, but a devot d follower era for many years. My DW and I have achi fed FI with 25-30 of expenses saved. I am ten years from collecting SS and my much younger DW is 20 years out. We have no debt. My job pays well. I travel much, and have moderate to high stress - job relat...
by iceport
Sat Aug 12, 2017 4:41 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 407
Views: 55578

Re: Forum software upgrade bug reports and change requests

I noticed the list of registered users who are logged in, previously visible at the bottom of each page, is no longer visible without being logged in. Is that a setting that will be reset, or is that just the way it will be after the upgrade? I didn't change anything, so I'm guessing it's a new fea...
by iceport
Sat Aug 12, 2017 1:48 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 407
Views: 55578

Re: Forum software upgrade bug reports and change requests

I noticed the list of registered users who are logged in, previously visible at the bottom of each page, is no longer visible without being logged in. Is that a setting that will be reset, or is that just the way it will be after the upgrade?
by iceport
Sat Aug 12, 2017 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: Bernstein's Simpleton's Portfolio
Replies: 40
Views: 4244

Re: Bernstein's Simpleton's Portfolio

What's far more important than fine tuning your allocation, whether it's 2 equity classes (US and Int'l total stock) or extreme slice and dice (a bit more than a dozen stock asset classes, not 30!) is finding the right stock/bond mix and sticking to your policy through thick and thin. That's a mess...
by iceport
Sat Aug 12, 2017 10:52 am
Forum: Personal Consumer Issues
Topic: What the best identity theft co.?
Replies: 21
Views: 1191

Re: What the best identity theft co.?

Agree. But what about real time updates ? They contact u well before one would realize ?? Any positives ? No, not really. That "early notification" sure sounds good, but what it really means is that your security has already been compromised. So what are you paying for, a head start on cleaning up ...
by iceport
Fri Aug 11, 2017 8:50 pm
Forum: Investing - Theory, News & General
Topic: Upcoming 2017 changes to Vanguard REIT fund(s)
Replies: 7
Views: 1545

Re: Upcoming 2017 changes to Vanguard REIT fund(s)

I think you are correct, but there is also a reference to broader exposure to the real estate market (which I read as providing more investment capacity by increasing the number of stocks in the index), and the note from people who must have access to the index composition that it will include timbe...
by iceport
Fri Aug 11, 2017 8:35 pm
Forum: Investing - Theory, News & General
Topic: Upcoming 2017 changes to Vanguard REIT fund(s)
Replies: 7
Views: 1545

Re: Upcoming 2017 changes to Vanguard REIT fund(s)

It seems like everyone would have some thoughts as to how this change affects the value of the Vanguard REIT fund, assuming one accepts the value of having REITs at a level beyond they're reflected in the total market. Maybe I've missed the discussion somewhere? Huh. I hadn't heard about this, so t...
by iceport
Fri Aug 11, 2017 6:30 pm
Forum: Investing - Theory, News & General
Topic: "5 Steps to Take in Jittery Markets"
Replies: 20
Views: 2584

Re: "5 Steps to Take in Jittery Markets"

2015 wrote:Bucketing helps me to keep my clothes on. :wink:
I don't want to turn this into an unwholesome thread, but you really wouldn't make a good pimp!
by iceport
Fri Aug 11, 2017 6:06 pm
Forum: Investing - Help with Personal Investments
Topic: Stable Value Funds vs Bond Funds
Replies: 33
Views: 2040

Re: Stable Value Funds vs Bond Funds

I have access to a SVF that pays a guaranteed 3.25% and has full liquidity. I also use my Nationwide stable value fund paying 3.5%. The stable value is in my Nationwide 457 and it currently yields 3.35%. My Stable value fund has a 3% and change yield, diversified across multiple insurers. Some exce...
by iceport
Fri Aug 11, 2017 5:59 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Tot Intl funds vs Venezuela
Replies: 19
Views: 1809

Re: Vanguard Tot Intl funds vs Venezuela

I'm with Jack. Why worry about something that will add 20 bps even if it can somehow outperform by 10%. No EM in Doc's house. I'm not sure what statement by Jack you are referring to. I recall his advice to put 50% (of a 20% international equity allocation) into EM. That's hardly a recommendation a...
by iceport
Fri Aug 11, 2017 11:12 am
Forum: Investing - Theory, News & General
Topic: "5 Steps to Take in Jittery Markets"
Replies: 20
Views: 2584

Re: "5 Steps to Take in Jittery Markets"

This is great advice: 5. Recognize how much is in your hands. Last but not least, the long-running strength of the equity market has inured many investors to the fact that their own actions will have an even bigger impact on whether they meet their financial goals than market returns. But it's true....
by iceport
Fri Aug 11, 2017 11:07 am
Forum: Investing - Theory, News & General
Topic: "5 Steps to Take in Jittery Markets"
Replies: 20
Views: 2584

Re: "5 Steps to Take in Jittery Markets"

I don't like her bucket approach for retirees. I am NOT going to keep 1-2 years of expenses in cash. I keep a max of $10k in checking and any excess from monthly retirement income goes into the total stock market in my taxable account. We're not wimps here... Two thoughts on this... I honestly thin...
by iceport
Fri Aug 11, 2017 12:26 am
Forum: Investing - Theory, News & General
Topic: "5 Steps to Take in Jittery Markets"
Replies: 20
Views: 2584

Re: "5 Steps to Take in Jittery Markets"

I stopped reading after this: This year has been a remarkably placid one for investors thus far, but saber rattling between the United States and North Korea has some pundits discussing whether geopolitical worries could be the catalyst for the long-anticipated market sell-off . That's unfortunate,...
by iceport
Thu Aug 10, 2017 12:35 pm
Forum: Investing - Theory, News & General
Topic: Alternatives to the Vanguard Total International Fund?
Replies: 33
Views: 3333

Re: Alternatives to the Vanguard Total International Fund?

To evaluate the index fund's performance, you need only compare the fund's performance to the index it tracks. That's all. If the index fund has faithfully tracked its index, you have no justification for disappointment. Sorry but I don't think that's true. I got burned badly with VPACX. It faithfu...
by iceport
Thu Aug 10, 2017 12:28 pm
Forum: Investing - Theory, News & General
Topic: What Percentage CASH are you?
Replies: 90
Views: 6007

Re: What Percentage CASH are you?

I hold a large "cash" position (>20%), but I am recently retired. This position could fund 5 years' worth of withdrawals at a 4% SWR. Also, almost all my "cash" is earning 2.75% interest in an employer-sponsored stable value fund. So it's not the same stark choice a true cash option would present. (...
by iceport
Tue Aug 08, 2017 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Money Market vs. Savings Accounts
Replies: 42
Views: 5548

Re: Vanguard Money Market vs. Savings Accounts

I am curious if many Bogleheads have a savings account? I do, but I'm considering transferring most of it to Vanguard. And my circumstances surely differ from yours. While working, I maintained (and grew) a sinking fund in a decent-yielding savings account at my credit union. The account served as ...
by iceport
Tue Aug 01, 2017 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Evaluate this fund - JYHIX
Replies: 6
Views: 608

Re: Evaluate this fund - JYHIX

I don't know if I should toss this one or not out of my IRA. Its JYHIX. A high yield, class A fund. I wonder if it includes junk bonds. Expense ratio in the prospectus is .71%. I already have a fidelity bond fund that I like, so wonder if I should get rid of this. Nobody can really provide advice t...
by iceport
Mon Jul 31, 2017 10:10 am
Forum: Investing - Theory, News & General
Topic: If You're Uncomfortable With Your AA, Maybe You're In The Right Place
Replies: 26
Views: 2645

Re: If You're Uncomfortable With Your AA, Maybe You're In The Right Place

+1 Everything about investing involves some sort of compromise. If you are really happy with your asset allocation, you probably don't understand everything. Definitely way more important to stick to the plan than having the perfectly tweaked plan. +2 There is no perfectly tweaked plan. Very true. ...
by iceport
Mon Jul 31, 2017 8:02 am
Forum: Investing - Theory, News & General
Topic: Alternatives to the Vanguard Total International Fund?
Replies: 33
Views: 3333

Re: Alternatives to the Vanguard Total International Fund?

So why shouldn't I chase proven quality management and proven performance? Here's a great article for you to read from renowned personal finance journalist Jason Zweig: What Fund Investors Really Need to Know To take just one example, Firsthand Technology Value earned an impressive 16% annualized t...
by iceport
Sun Jul 30, 2017 9:34 pm
Forum: Investing - Theory, News & General
Topic: Alternatives to the Vanguard Total International Fund?
Replies: 33
Views: 3333

Re: Alternatives to the Vanguard Total International Fund?

I'm got the performance data off of Yahoo.com/finance. I'm guessing they don't include dividends. But maybe it does? But do you know of a performance tracker that does include dividend reinvestment? Morningstar? Yes, M* provides growth charts that include dividends. However, there is a catch: you n...
by iceport
Sun Jul 30, 2017 4:11 pm
Forum: Investing - Theory, News & General
Topic: Alternatives to the Vanguard Total International Fund?
Replies: 33
Views: 3333

Re: Alternatives to the Vanguard Total International Fund?

You're right. I am chasing performance. And I guess this butts up against the Boglehead philosophy. But, 10 years from now, when I see that certain managed mutual funds that specialize in international stocks have continued to trounce VXUS as they have these past 10 years don't you think I'm going ...
by iceport
Sun Jul 30, 2017 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: All at once or bit by bit?
Replies: 11
Views: 991

Re: All at once or bit by bit?

How much is $150,000 relative to your portfolio, and where did the $150,000 come from (was it previously invested)? These are two psychological issues which may affect whether you dollar-cost average, and how fast, since they affect how much your risk will change. I don't like Balanced Index in a t...
by iceport
Sat Jul 29, 2017 9:42 pm
Forum: Investing - Theory, News & General
Topic: NYT Carl Richards "You’re No Coward if You’re Keeping Some Money Out of Stocks"
Replies: 42
Views: 5035

Re: NYT Carl Richards "You’re No Coward if You’re Keeping Some Money Out of Stocks"

Can't believe I got so old so fast! Ha! You and me both! I had barely any (5-10%) fixed income until I was around 40, when I woke up one day and realized (with Taylor's gentle prodding, BTW) I was no longer the yout' I thought I was. ;^) Suddenly seeing my age more clearly (denial is a formidable a...
by iceport
Sat Jul 29, 2017 9:33 pm
Forum: Investing - Theory, News & General
Topic: How Do You Like My New 'Doo
Replies: 60
Views: 14398

Re: How Do You Like My New 'Doo

Average mutual fund expense ratio: 0.48% Oof. That's not bad, but it could be better, nedsaid. Does that include the zeros for the individual stocks? Are the workplace plans bumping up the costs? Otherwise, if you went all passive with your funds you could likely get expenses down to single digit b...
by iceport
Fri Jul 28, 2017 2:52 pm
Forum: Investing - Theory, News & General
Topic: NYT Carl Richards "You’re No Coward if You’re Keeping Some Money Out of Stocks"
Replies: 42
Views: 5035

Re: NYT Carl Richards "You’re No Coward if You’re Keeping Some Money Out of Stocks"

Can't believe I got so old so fast! Ha! You and me both! I had barely any (5-10%) fixed income until I was around 40, when I woke up one day and realized (with Taylor's gentle prodding, BTW) I was no longer the yout' I thought I was. ;^) Suddenly seeing my age more clearly (denial is a formidable a...
by iceport
Fri Jul 28, 2017 2:23 pm
Forum: Investing - Theory, News & General
Topic: NYT Carl Richards "You’re No Coward if You’re Keeping Some Money Out of Stocks"
Replies: 42
Views: 5035

Re: NYT Carl Richards "You’re No Coward if You’re Keeping Some Money Out of Stocks"

...So I have been in this process for four years now. I have reduced my stocks from 69% of my portfolio to 67% over that time period. ...this was a baby step in starting to reduce my risk profile. A "baby step?" No kidding! Well, I keep saying that I am thoughtful and conservative in my a...
by iceport
Fri Jul 28, 2017 10:42 am
Forum: Investing - Theory, News & General
Topic: NYT Carl Richards "You’re No Coward if You’re Keeping Some Money Out of Stocks"
Replies: 42
Views: 5035

Re: NYT Carl Richards "You’re No Coward if You’re Keeping Some Money Out of Stocks"

I'm not a fan of this piece. "Why are they scared? Many of them cite the fact that markets are at record highs and the endless stream of uncertainty in the news. Feel that way yourself? Well guess what: You don’t have to invest the money." If you're basing your willingness to invest on su...
by iceport
Fri Jul 28, 2017 9:35 am
Forum: Investing - Help with Personal Investments
Topic: New to This and Needing Advice on Reallocating Funds
Replies: 6
Views: 568

Re: New to This and Needing Advice on Reallocating Funds

— It's not necessary to pack up and move as much as possible to Vanguard. It's a great firm, but since you already have funds at Fidelity (which you will probably need to keep there), you can build a fine portfolio there also. There are many advantages to minimizing the number or firms you have you...
by iceport
Fri Jul 28, 2017 9:22 am
Forum: Investing - Theory, News & General
Topic: NYT Carl Richards "You’re No Coward if You’re Keeping Some Money Out of Stocks"
Replies: 42
Views: 5035

Re: NYT Carl Richards "You’re No Coward if You’re Keeping Some Money Out of Stocks"

nedsaid wrote:...So I have been in this process for four years now. I have reduced my stocks from 69% of my portfolio to 67% over that time period.

...this was a baby step in starting to reduce my risk profile.

A "baby step?" No kidding!

8-)